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2025 Laporan Tahunan dan Laporan Keberlanjutan Annual Report and Sustainability Report Expanding with Confidence
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SANGGAHAN DAN BATASAN TANGGUNG JAWAB Disclaimer and Limit of Liability Laporan Tahunan ini memuat berbagai informasi terkait kondisi keuangan, hasil operasional, strategi, kebijakan, rencana, serta prospek bisnis PT Bank Oke Indonesia, Tbk. (selanjutnya disebut “OK BANK”, “Perseroan”, atau “Bank”). This Annual Report contains various information related to the financial condition, operational results, strategies, policies, plans, and business prospects of PT Bank Oke Indonesia, Tbk. (hereinafter referred to as "OK BANK", "the Company", or "the Bank"). Selain mencakup data historis, Laporan ini juga mengandung In addition to historical data, this report also includes pernyataan prospektif yang dibuat berdasarkan kondisi terkini forward-looking statements made based on current serta asumsi terhadap perkembangan di masa mendatang. conditions and assumptions about future developments. Pernyataan prospektif tersebut dibuat dengan mengacu These forward-looking statements are made in accordance pada peraturan perundang-undangan yang berlaku dan with applicable laws and regulations and reflect mencerminkan ekspektasi manajemen terhadap arah bisnis management's expectations regarding the future direction of OK BANK di masa depan. OK BANK's business. Namun, perlu diperhatikan bahwa pernyataan prospektif Nevertheless, it should be noted that the forward-looking dalam laporan ini memiliki risiko dan ketidakpastian yang statements in this report are subject to inherent risks melekat, termasuk tetapi tidak terbatas pada perubahan and uncertainties, including but not limited to changes kondisi ekonomi makro, volatilitas pasar keuangan, perubahan in macroeconomic conditions, financial market volatility, kebijakan pemerintah, regulasi perbankan, persaingan changes in government policies, banking regulations, industry industri, serta faktor eksternal lainnya yang berada di luar competition, and other external factors beyond the Company's kendali Perseroan. Oleh karena itu, terdapat kemungkinan control. Therefore, there is a possibility that OK BANK's future bahwa realisasi kinerja dan pencapaian OK BANK di masa performance and achievements may differ materially from mendatang dapat berbeda secara material dari proyeksi the projections or estimates presented in this report. atau estimasi yang disampaikan dalam Laporan ini. OK BANK tidak memberikan jaminan bahwa strategi, kebijakan, OK BANK makes no guarantee that the strategies, policies, atau langkah-langkah yang telah atau akan diambil akan or measures that have been or will be implemented will menghasilkan pencapaian sesuai dengan yang diharapkan. achieve the expected outcomes. Therefore, any information Dengan demikian, setiap informasi yang tercantum dalam presented in this Report should not be used as the sole basis Laporan ini tidak dapat dijadikan sebagai dasar utama dalam for making investment, business, or financial decisions without pengambilan keputusan investasi, bisnis, atau keuangan tanpa considering other relevant factors. OK BANK is not responsible mempertimbangkan faktor lain yang relevan. OK BANK tidak for any consequences arising from the use of the information bertanggung jawab atas dampak dari penggunaan informasi in this Report based on certain assumptions or expectations dalam Laporan ini yang didasarkan pada asumsi atau without further analysis. Stakeholders are expected to conduct ekspektasi tertentu tanpa kajian lebih lanjut. Para pemangku independent analysis and consult with professional advisors kepentingan diharapkan untuk melakukan analisis independen before making any decisions based on the information provided serta berkonsultasi dengan penasihat profesional sebelum in this Annual Report. mengambil keputusan berdasarkan informasi yang terdapat dalam Laporan Tahunan ini.
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LAPORAN TAHUNAN DAN LAPORAN KEBERLANJUTAN 2025
Advancing 2025 ANNUAL REPORT AND SUSTAINABILITY REPORT
with Integrity for
Sustainable
EXPANDING WITH Exellence
CONFIDENCE
OK BANK memasuki fase pertumbuhan yang lebih progresif OK BANK has entered a more progressive growth phase,
dengan bertumpu pada penguatan fundamental, disiplin tata underpinned by strengthened fundamentals, disciplined
kelola, serta pengelolaan risiko yang semakin terintegrasi. Arah governance, and increasingly integrated risk management.
pengembangan usaha difokuskan pada ekspansi yang terukur, Its business development direction is focused on measured
dengan memastikan setiap inisiatif bisnis selaras dengan expansion, by ensuring that every business initiative is aligned
kapasitas permodalan, kualitas aset, serta kecukupan likuiditas. with capital capacity, asset quality, and liquidity adequacy. This
Pendekatan ini memungkinkan OK BANK untuk menjaga approach enables OK BANK to maintain performance stability
stabilitas kinerja di tengah dinamika industri perbankan, amid the dynamic banking industry, while enhancing resilience
sekaligus meningkatkan ketahanan dalam menghadapi berbagai against emerging risks. At the same time, strengthening
potensi risiko yang berkembang. Seiring dengan itu, penguatan innovation, operational efficiency, and organizational readiness
inovasi, efisiensi operasional, dan kesiapan organisasi menjadi are key factors in ensuring that growth remains high-quality
faktor kunci dalam memastikan bahwa pertumbuhan yang and sustainable.
dicapai tetap berkualitas dan berkelanjutan.
Dalam implementasinya, OK BANK memperluas jangkauan In its implementation, OK BANK expands its business
bisnis melalui optimalisasi layanan berbasis digital, penguatan reach through the optimization of digital-based services,
jaringan layanan, serta peningkatan kualitas interaksi strengthening service networks, and improving the quality
dengan nasabah yang lebih cepat, aman, dan andal. Upaya of customer interactions to be faster, more secure, and
tersebut didukung oleh konsistensi dalam penerapan tata more reliable. These efforts are supported by consistent
kelola perusahaan yang baik, transparansi, serta kepatuhan implementation of good corporate governance, transparency,
terhadap regulasi, sehingga mampu memperkuat kepercayaan and regulatory compliance, thereby reinforcing stakeholder
pemangku kepentingan. Di sisi lain, integrasi prinsip trust. On the other hand, the integration of sustainability
keberlanjutan ke dalam strategi bisnis terus diperkuat melalui principles into business strategy continues to be strengthened
pengembangan pembiayaan berkelanjutan, peningkatan through the development of sustainable financing, increased
inklusi keuangan, serta pengelolaan dampak lingkungan dan financial inclusion, and responsible management of
sosial secara bertanggung jawab, sehingga ekspansi yang environmental and social impacts, ensuring that expansion not
dilakukan tidak hanya mendorong pertumbuhan kinerja, tetapi only drives performance growth but also creates broader long-
juga menciptakan nilai jangka panjang yang lebih luas. term value.
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Kesinambungan Tema
Theme Continuity
2022 2023 2024
ADVANCING WITH INTEGRITY FOR SUSTAINABLE EXELLENCE
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2024 Annual Report and Sustainability Report
OK BANK berkomitmen untuk terus bertumbuh dan berinovasi OK BANK is committed to continuous growth and innovation in
dalam industri perbankan dengan menjunjung tinggi integritas the banking industry by upholding integrity and achieving
serta mencapai keunggulan yang berkelanjutan. Integritas menjadi sustainable excellence. Integrity serves as the fundamental
fondasi utama dalam setiap aspek operasional, memastikan pillar in every aspect of its operations, ensuring that all
bahwa seluruh aktivitas bisnis dilakukan dengan transparansi, business activities are conducted with transparency, ethics, and
etika, serta kepatuhan terhadap peraturan perundang-undangan compliance with applicable laws and regulations, as well as GCG
yang berlaku dan prinsip-prinsip GCG. Dengan mempertahankan principles. By maintaining high standards of accountability and
standar akuntabilitas dan transparansi yang tinggi, OK BANK transparency, OK BANK strives to build and sustain the trust of
berupaya membangun serta menjaga kepercayaan dari Pemegang Shareholders, customers, regulators, and other stakeholders.
Saham, nasabah, regulator, dan pemangku kepentingan lainnya.
Keunggulan berkelanjutan yang diusung OK BANK tidak hanya The sustainable excellence highlighted by OK BANK is measured
diukur dari pertumbuhan keuangan, tetapi juga dari peningkatan not only by financial growth, but also by improvements in service
kualitas layanan, inovasi, dan tanggung jawab sosial. Transformasi quality, innovation, and social responsibility. Digital transformation,
digital, efisiensi operasional, serta pengembangan SDM menjadi operational efficiency, and HR development are key elements in
elemen kunci dalam menghadirkan layanan perbankan yang lebih delivering more modern, inclusive, and highly competitive banking
modern, inklusif, dan berdaya saing tinggi. Selain itu, OK BANK services. Additionally, OK BANK is committed to contributing to
berkomitmen untuk berkontribusi dalam pertumbuhan ekonomi sustainable economic growth by supporting financial inclusion,
berkelanjutan dengan mendukung inklusi keuangan, pembiayaan green financing, and the implementation of responsible business
hijau, serta penerapan praktik bisnis yang bertanggung jawab. practices.
Melalui pendekatan yang adaptif dan progresif, OK BANK Through an adaptive and progressive approach, OK BANK
menegaskan bahwa pertumbuhan bisnis harus selalu selaras dengan emphasizes that business growth must always align with
prinsip integritas, inovasi berkelanjutan, serta tanggung jawab the principles of integrity, sustainable innovation, and economic,
terhadap ekonomi, sosial, dan lingkungan. Dengan strategi yang social, and environmental responsibility. With the right strategy,
tepat, OK BANK optimis dapat memperkuat daya saing, memberikan OK BANK is optimistic about strengthening its competitiveness,
nilai tambah bagi pemangku kepentingan, serta terus berkontribusi creating added value for stakeholders, and continuously
dalam membangun industri perbankan yang lebih stabil, tangguh, contributing to building a more stable, resilient, and sustainable
dan berkelanjutan. banking industry.
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PT Bank Oke Indonesia, Tbk.
STRONGER FUNDAMENTAL FOR SUSTAINABLE GROWTH
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2023 Annual Report and Sustainability Report
Kondisi perekonomian nasional di tahun 2023 yang berubah dinamis The dynamic and challenging changes in Indonesia’s national
dan penuh tantangan akibat pemberlakuan suku bunga rujukan economy in 2023, driven by high benchmark interest rates and
yang tinggi serta turunnya harga-harga komoditas membuat declining commodity prices, put pressure on Indonesia’s economic
pertumbuhan ekonomi Indonesia tertekan. Kondisi perekonomian growth. This economic downturn became more challenging with
yang tertekan tersebut juga semakin menantang dengan dimulainya the commencement of the national election agenda, which led
agenda nasional Pemilu, yang membuat para pelaku usaha menunda businesses to postpone expansion plans, ultimately resulting in
rencana ekspansi, yang akhirnya berdampak pada rendahnya sluggish growth in national banking credit disbursement.
pertumbuhan penyaluran kredit perbankan nasional.
OK BANK merespons kondisi tersebut dengan meningkatkan intensitas OK BANK responded to these conditions by intensifying its
penerapan strategi untuk berfokus pada pembiayaan nasabah strategic focus on financing SME customers while simultaneously
UKM dan disaat bersamaan membuka ruang bagi meningkatnya expanding its corporate portfolio. OK BANK heightened its
portofolio korporasi. OK BANK meningkatkan kewaspadaannya vigilance in loan disbursement by prioritizing customer selection
dalam menyalurkan kredit dengan mengedepankan peningkatan through the development of an IT-based due diligence application
pemilahan calon nasabah dengan mengembangkan aplikasi due- for credit approval process and emphasizing the implementation
dilligence proses persetujuan kredit berbasis teknologi informasi of prudent risk management. OK BANK also strengthened its
dan menekankan penerapan manajemen risiko yang prudent. collaboration with fintech companies, including developing credit
OK BANK juga meningkatkan kerja samanya dengan perusahaan channeling partnerships with P2P lending and multifinance
fintech, termasuk mengembangkan credit channeling bekerja sama institutions. In addition to focusing on improving the quality
dengan P2P lending dan Multifinance. Selain berfokus pada upaya of its financing portfolio, OK BANK also attempted to resolve
meningkatkan portofolio pembiayaan yang berkualitas, OK BANK existing non-performing loans through restructuring efforts and
juga mengupayakan penyelesaian kredit-kredit bermasalah yang increasing adequate loss reserves.
masih ada, dengan mengupayakan restrukturisasi dan meningkatkan
cadangan kerugian yang memadai.
Seluruh upaya tersebut membuat OK BANK mampu melalui tahun All these efforts enabled OK BANK to navigate 2023 with
2023 dengan raihan kinerja yang membanggakan. Sekalipun remarkable performance achievements. Although the growth of
pertumbuhan portofolio pembiayaan lebih rendah dari pertumbuhan its financing portfolio was lower than the industry's credit growth,
kredit industri, OK BANK mampu mencatatkan kinerja keuangan OK BANK managed to record stronger financial performance in
yang lebih baik, dari sisi profitabilitas, pemenuhan CAR maupun terms of profitability, CAR compliance, and NPL position. With these
posisi NPL. Dengan capaian tersebut, OK BANK kini memiliki accomplishments, OK BANK now has a much stronger foundation
fundamental yang jauh lebih kuat, guna meraih peluang mencatatkan to seize opportunities for high-quality and sustainable business
pertumbuhan skala usaha yang berkualitas dan berkelanjutan growth in the coming years, with even better performance.
di tahun-tahun mendatang, dengan kinerja yang semakin baik.
ACCELERATE THE GROWTH MOMENTUM
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Iklim usaha di tahun 2022 masih dipenuhi dengan tantangan The business climate in 2022 was filled with uncertainty.
ketidakpastian. Dalam menghadapi tantangan tersebut, Perseroan To address these challenges, OK BANK adopted a series of
telah melakukan serangkaian kebijakan strategis, antara lain fokus strategic policies, including a focus on savings banking, consumer
pada saving bank, pembiayaan konsumer, bisnis keuangan dengan financing, financial business specialization in loans, and capital
spesialisasi pada kredit dan penguatan modal. Berbagai upaya tersebut strengthening. These efforts were carried out to drive positive
diterapkan dalam rangka mendorong laju pertumbuhan bisnis yang business growth and reinforce the Bank’s position. Through
positif dan memperkuat posisi. Dengan adanya aksi korporasi ini, these corporate actions, OK BANK is optimistic about seizing
OK BANK optimis mampu merangkul momentum pertumbuhan bisnis business growth momentum while positioning itself as a leading
sekaligus menjadi perusahaan yang terdepan menjadi bank terbaik bank that prioritizes excellent service.
dalam memprioritaskan pelayanan prima.
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Keunggulan Kompetitif
Competitive Advantage
Keunggulan kompetitif OK BANK berakar pada kemampuan OK BANK’s competitive advantage is rooted in its ability to
dalam menghadirkan layanan keuangan yang inovatif, mudah provide financial services that are innovative, easily accessible,
diakses, dan selaras dengan kebutuhan nasabah. Melalui and aligned with customer needs. Through the use of integrated
pemanfaatan teknologi digital yang terintegrasi, penerapan digital technology, the implementation of efficient business
process, and a strong commitment to transaction security and
proses bisnis yang efisien, serta komitmen yang kuat terhadap
convenience, OK BANK is able to create sustainable added
keamanan dan kenyamanan transaksi, OK BANK mampu
value for its stakeholders. These advantages enhance OK
menciptakan nilai tambah yang berkelanjutan bagi para
BANK’s agility in responding to the dynamics of the financial
pemangku kepentingan. Keunggulan tersebut memperkuat industry, while also enabling the provision of relevant and
ketangkasan OK BANK dalam merespons dinamika industri adaptive financial solutions, thereby reinforcing OK BANK’s
keuangan, sekaligus memungkinkan penyediaan solusi position as a trusted banking institution with sustainable
keuangan yang relevan dan adaptif, sehingga menegaskan competitiveness. This competitive advantage is reflected in
posisi OK BANK sebagai institusi perbankan yang terpercaya several aspects, as outlined below:
dan memiliki daya saing yang berkesinambungan.
Keunggulan kompetitif ini tercermin dalam beberapa aspek
sebagaimana diuraikan berikut:
JARINGAN LAYANAN
YANG LUAS DAN TERINTEGRASI
Extensive and Integrated Service Network
OK BANK memiliki jaringan layanan yang tersebar di
berbagai wilayah strategis dan potensial, didukung oleh
teknologi perbankan modern yang mempermudah akses
dan kenyamanan bagi nasabah dalam berbagai aktivitas
perbankan.
OK BANK has a service network spread across various
strategic and high-potential areas, supported by modern
banking technology that enhances accessibility and
convenience for customers in conducting various banking
activities.
INOVASI DIGITAL
YANG BERKESINAMBUNGAN
Continuous Digital Innovation
Dalam menghadapi era digitalisasi, OK BANK terus
berinovasi melalui pengembangan produk dan layanan
berbasis teknologi. Hal ini memastikan bahwa OK BANK
mampu memenuhi kebutuhan nasabah dengan cara yang
efisien, cepat, dan aman.
In response to the digitalization era, OK BANK
continues to innovate through the development of
technology-based products and services. This ensures
that OK BANK can meet customer needs efficiently,
quickly, and securely.
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PT Bank Oke Indonesia, Tbk.
SUMBER DAYA MANUSIA YANG PENDEKATAN BERBASIS
PROFESIONAL NASABAH
Professional Human Resources Customer-Centric Approach
OK BANK percaya bahwa sumber daya manusia yang kompeten dan Fokus pada kebutuhan dan kepuasan nasabah menjadi prioritas
berpengalaman merupakan kunci utama keberhasilan. Oleh karena utama. Dengan pendekatan personal yang berbasis solusi,
itu, OK BANK terus berinvestasi dalam pengembangan kapasitas OK BANK membangun hubungan yang erat dan saling
dan keahlian karyawan untuk mendukung penerapan strategi bisnis menguntungkan dengan nasabah.
secara optimal.
OK BANK believes that competent and experienced human Focusing on customer needs and satisfaction is a top priority.
resources are the key to success. Therefore, OK BANK continuously Through a personalized, solution-oriented approach, OK BANK builds
invests in developing employees’ skills and capabilities strong and mutually beneficial relationships with its customers.
to support the optimal implementation of business strategies.
Dengan berbagai keunggulan kompetitif tersebut, OK BANK With these various competitive advantages, OK BANK
menunjukkan kapasitas dan kesiapan untuk terus bertumbuh demonstrates the capacity and readiness to continue growing
dalam menghadapi persaingan industri yang dinamis. Sinergi amid dynamic industry competition. The synergy among
antara inovasi, kualitas layanan, dan pemahaman terhadap innovation, service quality, and a deep understanding of
kebutuhan nasabah menjadi fondasi penting bagi keberlanjutan customer needs becomes a vital foundation for sustaining
kinerja dan penguatan posisi OK BANK. Secara keseluruhan, performance and strengthening OK BANK’s position.
keunggulan ini tidak hanya mencerminkan komitmen OK BANK Overall, these advantages not only reflect OK BANK’s
dalam memberikan layanan terbaik, tetapi juga menjadi pendorong commitment to delivering excellent services, but also
utama dalam mencapai tujuan strategis dan meningkatkan nilai act as main drivers in achieving strategic objectives and
bagi seluruh pemangku kepentingan. enhancing value for all stakeholders.
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Tentang Laporan
About the Report
Tujuan dan Standar Pelaporan [GRI 2-3] Objectives and Reporting Standards [GRI 2-3]
OK BANK menyusun dan menerbitkan Laporan ini sebagai bentuk OK BANK prepares and publishes this Report as a form
pertanggungjawaban dan penyampaian informasi tentang of accountability and disclosure of information regarding
aspek keuangan, operasional, manajemen risiko, tata kelola financial, operational, risk management, corporate governance,
perusahaan, dan kinerja keberlanjutan dalam seluruh aspek and sustainability performance aspects across all business
bisnis yang dijalankan OK BANK. Acuan penyusunan Laporan ini activities carried out by OK BANK. The preparation of this
mengacu pada beberapa standar sebagaimana berikut: Report refers to several standards, as follows:
1. POJK Nomor 29/POJK.04/2016 tentang Laporan Tahunan 1. POJK Number 29/POJK.04/2016 on Annual Reports of
Emiten atau Perusahaan Publik; Issuers or Public Companies;
2. Surat Edaran Otoritas Jasa Keuangan Republik Indonesia 2. Financial Services Authority Circular of the Republic of
Nomor 16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Indonesia Number 16/SEOJK.04/2021 on the Form and
Tahunan Emiten atau Perusahaan Publik; Content of Annual Reports of Issuers or Public Companies;
3. Global Reporting Initiative (GRI) Standards 2021 opsi with 3. Global Reporting Initiative (GRI) Standards 2021, with
Reference dan kaitannya terhadap dukungan pencapaian Reference option, and their linkage to support the
TujuanPembangunanBerkelanjutan(SustainableDevelopment achievement of the Sustainable Development Goals (SDGs);
Goals/SDGs); serta and
4. ESG Matriks yang diterbitkan Bursa Efek Indonesia. 4. ESG Matrix, issued by Indonesia Stock Exchange.
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Entitas dalam Pelaporan [GRI 2-2] Reporting Entities [GRI 2-2]
Laporan ini dibuat dalam Bahasa Indonesia dan Bahasa Inggris. This Report is prepared in Indonesian and English. In the event
Dalam hal terdapat perbedaan istilah, informasi, atau data of any differences in terminology, information, or data in this
dalam Laporan ini, maka yang berlaku adalah istilah, informasi Report, the terminology, information, and/or data presented
dan/atau data yang disajikan dalam Bahasa Indonesia. in the Indonesian version shall prevail. Meanwhile, the scope
Sementara dalam penyajian data ruang lingkup pelaporan of reporting data includes data from OK BANK only, without
mencakup data dari OK BANK, tanpa melibatkan data involving consolidated data from its Subsidiaries.
konsolidasian dari Entitas Anak.
Periode, Frekuensi, dan Kontak Pelaporan Reporting Period, Frequency, and Contact
[GRI 2-3, 2-4] [GRI 2-3, 2-4]
OK BANK menyusun dan menerbitkan Laporan ini 1 (satu) OK BANK prepares and publishes this Report once a year.
kali dalam setiap tahun. Laporan periode sebelumnya dirilis The previous reporting period was released in April 2025.
pada April 2025. Periode Laporan 2025 adalah 1 Januari 2025 The 2025 reporting period covers from January 1, 2025, to
hingga 31 Desember 2025. Laporan periode 2025 ini mengalami December 31, 2025. This 2025 Report reflects significant
perubahan signifikan terkait dengan pengembangan penggunaan changes related to the development and application of
standar pelaporan dan topik material. Untuk memenuhi prinsip reporting standards and material topics. To meet the principle
validitas, apabila ada pernyataan ulang atau pernyataan kembali of validity, if there is any restatement or re-presentation of
informasi yang dimuat pada laporan sebelumnya karena alasan information included in previous reports due to certain reasons,
tertentu, misalnya perbedaan metodologi atau cara perhitungan, such as differences in methodology or calculation methods,
kami memberi tanda: *disajikan kembali. we mark it with the notation: *restated.
OK BANK senantiasa memberikan kesempatan bagi seluruh OK BANK consistently provides opportunities for all parties
pihak untuk memberikan masukan, arahan, kritik, dan saran to submit feedback, guidance, criticisms, and suggestions
yang dapat disampaikan melalui: through:
Sekretaris Perusahaan
Corporate Secretary
Kantor Pusat / Headquarters 021-2312633
PT Bank Oke Indonesia, Tbk. 021-2312604
Jl. Ir. H. Juanda No. 12 corsec@okbank.co.id
Jakarta Pusat / Central Jakarta, Indonesia www.okbank.co.id
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Daftar Isi
Table of Contents
SANGGAHAN DAN BATASAN i PROFIL PERUSAHAAN FUNGSI PENUNJANG
TANGGUNG JAWAB Company Profile BISNIS
Disclaimer and Limit of Liability Business Support
TEMA DAN PENJELASAN TEMA 1
Functions
Theme and Theme Explanation
Informasi Perusahaan 62
Company Information Pengelolaan Sumber Daya Manusia 112
KESINAMBUNGAN TEMA 2 Sekilas OK BANK 64 Human Resources Management
Theme Continuity
OK BANK at a Glance
Tata Kelola Teknologi Informasi 149
KEUNGGULAN KOMPETITIF 4
Competitive Advantage
Jejak Langkah Perusahaan 66 Information Technology Governance
Company Milestone
TENTANG LAPORAN 6
About the Report
Bidang Usaha 68
Line of Business ANALISIS DAN
DAFTAR ISI 8 PEMBAHASAN
Table of Contents
Produk dan Layanan 70
Products and Services MANAJEMEN
PENENTUAN ISI DAN TOPIK 10 Management
MATERIAL LAPORAN
Wilayah Operasi OK BANK 72
OK BANK’s Operational Area Discussion and Analysis
Determination of Report Content
and Material Topics Perubahan Signifikan 74
Significant Changes
Kondisi Perekonomian Global 158
Global Economic Condition
Keanggotaan dalam Asosiasi 74
Membership in Association
Kondisi Perekonomian Nasional 160
IKHTISAR UTAMA 2025 National Economic Condition
Key Highlights in 2025 Visi, Misi, dan Nilai OK BANK 76
OK BANK’s Vision, Mission, and Values
Tinjauan Operasional 163
Operational Review
Ikhtisar Kinerja 2025 24 Struktur Organisasi 78
2025 Performance Highlights Organizational Structure Tinjauan Keuangan 178
Financial Review
Ikhtisar Keuangan 26 Profil Dewan Komisaris 80
Financial Highlights Board of Commissioners' Profile
Ikhtisar Saham 32 Profil Direksi 86 TATA KELOLA
Stock Highlights Board of Directors’ Profile
PERUSAHAAN
Penghargaan dan Sertifikasi 34 Pejabat Eksekutif 94 Corporate
Awards and Certifications Executive Officers Governance
Peristiwa Penting 2025 35 Demografi Karyawan 96
2025 Event Highlights Employee Demographics Kebijakan Tata Kelola 212
Governance Policy
Struktur dan Komposisi 99
Pemegang Saham Struktur Tata Kelola 215
LAPORAN MANAJEMEN Structure and Composition of Governance Structure
Shareholders
Management Report Rapat Umum Pemegang Saham 218
Pemegang Saham Utama dan 102 General Meeting of Shareholders
Pemegang Saham Pengendali
Laporan Dewan Komisaris 40 Major Shareholders and
Dewan Komisaris 232
Board of Commissioners’ Report Board of Commissioners
Controlling Shareholders
Laporan Direksi 48 Entitas Anak dan Entitas Asosiasi 104 Direksi 244
Board of Directors’ Report Board of Directors
Subsidiaries and Associate Entities
Kronologis Pencatatan Saham 104 Nominasi dan Remunerasi Dewan 256
SURAT PERNYATAAN ANGGOTA 59 Share Listing Chronology Komisaris dan Direksi
DEWAN KOMISARIS DAN DIREKSI Nomination and Remuneration of
TENTANG TANGGUNG JAWAB Kronologi Penerbitan dan 105 the Board of Commissioners and
ATAS LAPORAN TAHUNAN DAN Pencatatan Efek Lainnya the Board of Directors
LAPORAN KEBERLANJUTAN TAHUN Chronology of Issuance and
2025 PT BANK OKE INDONESIA, TBK. Other Securities Listing Kebijakan Pengunduran Diri 262
Statement Letter of Members of Dewan Komisaris dan Direksi
Struktur Grup Bank 105 Resignation Policy of
the Board of Commissioners and
The Bank’s Group Structure the Board of Commissioners
Members of the Board of Directors
Regarding the Responsibility Lembaga dan Profesi Penunjang 106 and the Board of Directors
for the 2025 Annual Report and Pasar Modal
Sustainability Report of
Rangkap Jabatan Dewan Komisaris 262
Capital Market Supporting Institutions dan Direksi
PT Bank Oke Indonesia, Tbk. and Professions Concurrent Positions of the Board of
Situs Web Perusahaan 108 Commissioners and the Board
Company Website of Directors
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Komite di Bawah Dewan Komisaris 263 Pembelian Kembali (Buyback) Saham 353
LAPORAN
Committees Under the Board of dan/atau Obligasi Bank KEBERLANJUTAN
Commissioners Buyback of Bank Shares and/or Bond Sustainability Report
Komite di Bawah Direksi 282 Transaksi Afiliasi dan Transaksi 353
Committees Under the Board of Directors Benturan Kepentingan
Ikhtisar Kinerja Keberlanjutan 436
Sustainability Performance Highlights
Affiliate Transactions and Conflict of
Sekretaris Perusahaan 307 Strategi Pencapaian Tujuan Keberlanjutan 440
Interest Transactions
Corporate Secretary
Strategies to Achieve Sustainability Goals
Pemberian Dana untuk Kegiatan Sosial 355
Satuan Kerja Audit Internal 310
Internal Audit Unit
Politik Tata Kelola Keberlanjutan 450
Provision of Funds for Social Political Governance of Sustainability
Penerapan Fungsi Kepatuhan 319 Activities
Kinerja Aspek Ekonomi dan Inklusi 456
Implementation of Compliance Function
Kode Etik dan Budaya Perusahaan 356 Keuangan
Audit Eksternal 327 Code of Conducts and Corporate Culture Economic Aspect Performance and
External Audit Financial Inclusion
Sistem Pelaporan Pelanggaran 358
Sistem Pengendalian Internal 329 Whistleblowing System Kinerja Lingkungan Hidup Berkelanjutan 467
Internal Control System Sustainable Environmental Performance
Kebijakan Strategi Anti-Fraud 360
Penyediaan Dana kepada Pihak Terkait 332 Anti-Fraud Strategy Policy Pengembangan Sosial dan 478
dan Penyediaan Dana Besar Kemasyarakatan
Provision of Funds to Related Parties
Pencegahan Insider Trading 362 Social and Community Development
Insider Trading Prevention
and Large Exposure Aspek Ketenagakerjaan 482
Perselisihan Internal 362 Employment Aspects
Transparansi Kondisi Keuangan dan 333
Internal Disputes
Non-Keuangan yang Belum Diungkap Komitmen terhadap Nasabah 494
dalam Laporan Lainnya Kebijakan Pencegahan Konflik 363 Commitment to Customers
Transparency of Financial and Kepentingan bagi Dewan Komisaris dan
Non-Financial Conditions Not Direksi
Disclosed in Other Reports Conflict of Interest Prevention Policy for VERIFIKASI PIHAK INDEPENDEN 500
the Board of Commissioners and Independent Party Verification
Informasi Lain yang terkait Tata 335
Board of Directors
Kelola Bank LEMBAR UMPAN BALIK 501
Other Information related to Bank Pengadaan Barang dan Jasa 363 Feedback Sheet
Governance Procurement of Goods and Services
TANGGAPAN TERHADAP UMPAN BALIK 503
Kepemilikan Saham Anggota 335 Perilaku Anti-Persaingan, 364 LAPORAN KEBERLANJUTAN TAHUN
Dewan Komisaris dan Direksi yang Praktik Anti-Pakat, dan Monopoli SEBELUMNYA
Mencapai 5% (Lima Persen) atau Lebih Anti-Competitive Behavior, Response to Previous Year’s
dari Modal Disetor pada Bank atau Anti-Collusion Practices, and Monopoly Sustainability Report Feedback
Lembaga Lainnya INDEKS PEMENUHAN SEOJK 16/2021 503
Share Ownership of Members of
Penerapan Tata Kelola pada Kantor 364
Cabang Bank Luar Negeri (KCLBN) TENTANG BENTUK DAN ISI LAPORAN
the Board of Commissioners and TAHUNAN EMITEN ATAU PERUSAHAAN
Implementation of Governance in
Board of Directors that Reach 5% PUBLIK
Overseas Branch Offices (KCLBN)
(Five Percent) or More than Compliance Index for SEOJK 16/2021 on
Paid-Up Capital in the Bank or Internal Control over Financial 365 the Form and Content of Annual Reports
Other Institutions Reporting (ICoFR) of Issuers or Public Companies
Internal Control over Financial
Jumlah Penyimpangan Internal 336 DAFTAR INDEKS REFERENSI - 511
Reporting (ICoFR) POJK 51/2017 TENTANG PENERAPAN
(Internal Fraud) yang Terjadi dan
KEUANGAN BERKELANJUTAN BAGI
Upaya Penyelesaian oleh Bank Rencana Strategi Bank 366
Total Internal Fraud Incidents and Bank Strategic Plan LEMBAGA JASA KEUANGAN, EMITEN,
DAN PERUSAHAAN PUBLIK
Resolution Efforts by the Bank
Praktik Bad Governance 367 List of Reference Indexes -
Permasalahan Hukum 337 Bad Governance Practices POJK 51/2017 on the Implementation
Legal Issues of Sustainable Finance for Financial
Penerapan atas Pedoman Tata Kelola 368 Services Institutions, Issuers, and Public
Sanksi Administrasi 351 Perusahaan Companies
Administrative Sanctions Implementation of Corporate Governance
Guidelines DAFTAR INDEKS REFERENSI - METRIK ESG 515
Akses Informasi dan Data Perusahaan 352 List of Reference Indexes - ESG Metrics
Access to Company Information Penerapan Sistem Manajemen Risiko 374
and Data Implementation of Risk Management
DAFTAR INDEKS REFERENSI - GRI 516
STANDARDS 2021
System
Share Option yang Dimiliki 352 List of Reference Indexes - GRI
Direksi, Dewan Komisaris, dan Pengungkapan Permodalan dan 394 Standards 2021
Pejabat Eksekutif Manajemen Risiko
Share Options Owned by Disclosure of Capital and Risk
the Board of Directors, Management LAPORAN KEUANGAN
Board of Commissioners, and
Executive Officers
Financial Report
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Penentuan Isi dan Topik Material Laporan [GRI 3-1]
Determination of Report Content and Material Topics
Dalam penyusunan Laporan ini, OK BANK menetapkan In preparing this Report, OK BANK places stakeholder
keterlibatan pemangku kepentingan sebagai dasar utama engagement as the primary basis for determining the scope
dalam menentukan cakupan informasi dan topik material of information and material topics disclosed. This approach
yang diungkapkan. Pendekatan ini mencerminkan komitmen reflects OK BANK’s commitment to ensuring that the Report not
OK BANK untuk memastikan bahwa Laporan ini tidak hanya only fulfills reporting obligations, but also provides information
memenuhi kewajiban pelaporan, tetapi juga memberikan that is relevant, meaningful, and aligned with the expectations
gambaran yang relevan, bermakna, dan selaras dengan of parties who have an interest in OK BANK’s performance and
ekspektasi pihak-pihak yang memiliki kepentingan terhadap sustainability. Through continuous engagement, OK BANK
kinerja dan keberlangsungan OK BANK. Melalui pelibatan seeks to maintain information transparency while strengthening
yang berkelanjutan, OK BANK berupaya menjaga keterbukaan trust as a responsible banking institution.
informasi sekaligus memperkuat kepercayaan sebagai
lembaga perbankan yang bertanggung jawab.
OK BANK secara berkala melakukan proses pemetaan dan OK BANK periodically conducts a mapping and assessment
penilaian atas isu-isu strategis yang berpotensi memengaruhi process of strategic issues that may affect the Bank’s
kinerja, profil risiko, serta keberlanjutan usaha Bank. Proses performance, risk profile, and business sustainability.
tersebut disusun secara terstruktur dengan mengacu This process is structured and carried out by referring to
pada masukan pemangku kepentingan dan dilaksanakan stakeholder input and is implemented in accordance with
berdasarkan prinsip-prinsip dalam AA1000 Stakeholder the principles of AA1000 Stakeholder Engagement Standard
Engagement Standard (SES) 2015, yang menekankan aspek (SES) 2015, which emphasizes inclusivity, materiality, and
inklusivitas, materialitas, dan responsivitas. Hasil dari responsiveness. The results of this process form the basis
proses ini menjadi dasar dalam menetapkan topik-topik for determining topics deemed significant for disclosure,
yang dianggap signifikan untuk diungkapkan, baik dari sisi both in terms of stakeholder interests and their relevance
kepentingan pemangku kepentingan maupun relevansinya to OK BANK’s strategic direction.
terhadap arah strategis OK BANK.
Melalui penerapan AA1000 SES 2015, OK BANK mengelompokkan Through the implementation of AA1000 SES 2015, OK BANK
pemangku kepentingan dan menentukan kebutuhan categorizes its stakeholders and identifies their information
informasinya dengan mempertimbangkan tingkat keterkaitan, needs by considering the level of relevance, influence, and
pengaruh, serta intensitas interaksi masing-masing pihak intensity of each party’s interaction with the Bank’s business
terhadap kegiatan usaha Bank. Pendekatan ini memungkinkan activities. This approach enables the Bank to prepare
Bank menyusun Laporan sebagai sarana komunikasi yang the Report as an effective and proportionate communication
efektif dan proporsional, sekaligus memastikan bahwa tool, while also ensuring that the disclosures presented reflect
pengungkapan yang disampaikan mampu mencerminkan prudent and accountable banking practices and a long-term
praktik perbankan yang prudent, akuntabel, dan berorientasi sustainability orientation. The factors considered in mapping
pada keberlanjutan jangka panjang. Adapun faktor-faktor yang these stakeholder groups are outlined as follows:
menjadi pertimbangan dalam memetakan kelompok pemangku
kepentingan tersebut diuraikan sebagai berikut:
KETERGANTUNGAN PERHATIAN
Dependence Attention
PENGARUH TANGGUNG JAWAB PERSPEKTIF
Influence Responsibility Perspective
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PENGARUH
Influence
Kelompok tersebut memberikan pengaruh terhadap keputusan yang diambil oleh OK BANK
terkait keberlangsungan usaha.
This group influences decisions made by OK BANK related to business continuity.
KETERGANTUNGAN
Dependence
OK BANK memiliki ketergantungan terhadap kelompok tersebut, baik secara langsung
maupun tidak langsung.
OK BANK has dependencies on this group, either directly or indirectly.
TANGGUNG JAWAB
Responsibility
OK BANK memiliki tanggung jawab, baik saat ini atau di masa yang akan datang,
terhadap kelompok tersebut.
OK BANK has responsibilities, either currently or in the future, toward this group.
PERHATIAN
Attention
Kelompok tersebut membutuhkan perhatian dari OK BANK berkenaan isu ekonomi,
sosial, lingkungan hidup, dan tata kelola.
This group requires attention from OK BANK regarding economic, social, environmental,
and governance issues.
PERSPEKTIF
Perspective
Kelompok tersebut dapat memberikan sudut pandang baru yang sebelumnya belum
ada terhadap isu penting yang relevan.
This group can provide new perspectives that are previously unavailable on relevant
material issues.
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Pemetaan Pemangku Kepentingan [POJK E.4] Stakeholder Mapping [POJK E.4] [GRI 2-29]
[GRI 2-29]
Dengan mengacu pada kriteria pemetaan yang telah ditetapkan, By referring to the established mapping criteria, OK BANK
OK BANK mengidentifikasi kelompok pemangku kepentingan yang identifies stakeholder groups that have a significant level of
memiliki tingkat keterkaitan dan pengaruh signifikan terhadap relevance and influence on the Bank’s business continuity. This
keberlangsungan kegiatan usaha Bank. Proses pemetaan ini mapping process is carried out to comprehensively understand
dilakukan untuk memahami secara komprehensif kepentingan, the interests, expectations, and main issues of concern for each
ekspektasi, serta isu-isu utama yang menjadi perhatian masing- stakeholder group within the context of the banking industry.
masing kelompok pemangku kepentingan dalam konteks industri Through this mapping, OK BANK formulates appropriate
perbankan. Melalui pemetaan tersebut, OK BANK merumuskan approaches and strategic measures to respond to stakeholder
pendekatan dan langkah strategis yang tepat dalam merespons needs, while ensuring that relationship management is conducted
kebutuhan pemangku kepentingan, sekaligus memastikan in an effective, transparent, and sustainable manner. The results
bahwa pengelolaan hubungan dilakukan secara efektif, of the stakeholder mapping are described as follows:
transparan, dan berkesinambungan. Hasil pemetaan pemangku
kepentingan tersebut diuraikan sebagai berikut:
Pemangku Kepentingan
Stakeholders
Pemegang Saham dan Investor
Shareholders and Investors
Dasar Pemilihan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Basis of Selection Topic and Main Issue Approach Engagement Frequency
Tanggung Jawab Peningkatan kinerja perusahaan Rapat Umum Pemegang Saham (RUPS) Minimal setahun sekali
Responsibility Company performance improvement General Meeting of Shareholders (GMS) At least once a year
Perspektif
Perspective
Pengaruh
Influence
Nasabah
Customers
Dasar Pemilihan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Basis of Selection Topic and Main Issue Approach Engagement Frequency
Tanggung Jawab Pelayanan jasa terbaik Rapat Koordinasi Sesuai kebutuhan
Responsibility Best services Coordination Meeting According to the needs
Perspektif
Perspective Harga jasa yang bersaing dan efisien Komunikasi melalui media yang tersedia Sesuai kebutuhan
Pengaruh Competitive and efficient service price Communication through available media According to the needs
Influence
Karyawan
Employees
Dasar Pemilihan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Basis of Selection Topic and Main Issue Approach Engagement Frequency
Tanggung Jawab Terjamin kesejahteraan pekerja Serikat pekerja dan Perjanjian Kerja Setiap saat
Responsibility beserta keluarganya Bersama
Perspektif Guaranteed welfare for employees and Labor union and Collective Labor Anytime
Perspective their families Agreement
Pengaruh
Influence Suasana kerja yang kondusif, sehat Forum tatap muka Setiap saat
dan aman
A conducive, healthy, and safe working Face-to-face forum Anytime
environment
Jenjang karier dan penilaian kinerja Knowledge sharing Minimal 1 (satu) kali setahun
yang jelas, setara dan tidak ada praktik
diskriminasi
Clear career paths and performance Knowledge sharing At least once a year
evaluations, with equality and no
discriminatory practices
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PT Bank Oke Indonesia, Tbk.
Pemangku Kepentingan
Stakeholders
Pemasok
Suppliers
Dasar Pemilihan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Basis of Selection Topic and Main Issue Approach Engagement Frequency
Tanggung Jawab Kepatuhan terhadap peraturan Kontrak dan perjanjian Sesuai kebutuhan
Responsibility Regulatory compliance Contract and agreement According to the needs
Ketergantungan
Pembayaran tepat waktu Suppliers 1 kali (satu) setahun
Dependence
Timely payment Suppliers Once a year
Proses evaluasi yang objektif Penilaian kinerja pemasok Minimal 1 (satu) kali per proyek
Objective evaluation process Supplier performance assessment At least once per project
Kepatuhan terhadap peraturan Kepatuhan terhadap peraturan Setiap saat
Regulatory compliance Regulatory compliance Anytime
Kontribusi ekonomi pada pemerintah Kontribusi ekonomi pada pemerintah Sesuai ketentuan perpajakan
(pajak dan penggunaan subsidi) (pajak dan penggunaan subsidi)
Economic contribution to the government Economic contribution to the government In accordance with tax provisions
(taxes and use of subsidies) (taxes and use of subsidies)
Pemerintah
Government
Dasar Pemilihan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Basis of Selection Topic and Main Issue Approach Engagement Frequency
Tanggung Jawab Kepatuhan terhadap peraturan Kepatuhan terhadap peraturan Setiap saat
Responsibility Regulatory compliance Regulatory compliance Anytime
Pengaruh
Kesehatan perusahaan Kesehatan perusahaan Setiap saat
Influence
Company’s financial health Company’s financial health Anytime
Kontribusi ekonomi pada pemerintah Kontribusi ekonomi pada pemerintah Sesuai ketentuan perpajakan
(pajak dan penggunaan subsidi) (pajak dan penggunaan subsidi)
Economic contribution to the government Economic contribution to the government In accordance with tax provisions
(taxes and use of subsidies) (taxes and use of subsidies)
Masyarakat
Community
Dasar Pemilihan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Basis of Selection Topic and Main Issue Approach Engagement Frequency
Tanggung Jawab Hubungan yang harmonis tanpa ada Kegiatan Tanggung Jawab Sosial Sesuai kebutuhan/mengikuti ketentuan
Responsibility konflik Perusahaan Pemegang Saham
Perhatian Harmonious relationships without Corporate Social Responsibility According to the needs/provisions of
Attention conflict activities the Shareholders
Perspektif
Perspective Memperoleh akses informasi yang luas Forum tatap muka Sesuai kebutuhan
Broad access to information Face-to-face forum According to the needs
Media Massa
Mass Media
Dasar Pemilihan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Basis of Selection Topic and Main Issue Approach Engagement Frequency
Tanggung Jawab Hubungan yang harmonis Konferensi pers Sesuai kebutuhan
Responsibility Harmonious relationship Press conference According to the needs
Analisis Risiko dan Peluang terkait ESG ESG Risk and Opportunity Analysis
Setelah proses pelibatan pemangku kepentingan dilaksanakan, Following the completion of stakeholder engagement process,
OK BANK melanjutkan tahapan penentuan isi dan topik material OK BANK proceeds to the stage of determining the content
Laporan melalui analisis risiko dan peluang terkait aspek and material topics of the Report through an analysis of
lingkungan, sosial, dan tata kelola (Environmental, Social, and risks and opportunities related to environmental, social, and
Governance/"ESG"). Analisis ini dilakukan untuk mengidentifikasi governance ("ESG") aspects. This analysis is conducted to
isu-isu keberlanjutan yang berpotensi memberikan dampak identify sustainability issues that may have a significant impact
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Annual Report and Sustainability Report
2025 13
Page 16
signifikan terhadap kinerja usaha, stabilitas operasional, on business performance, operational stability, reputation,
reputasi, serta kemampuan Bank dalam menciptakan nilai and the Bank’s ability to create long-term value. Through this
jangka panjang. Dengan pendekatan ini, penetapan topik approach, the determination of material topics not only reflects
material tidak hanya merefleksikan ekspektasi pemangku stakeholder expectations, but also takes into account risk and
kepentingan, tetapi juga mempertimbangkan faktor risiko dan opportunity factors relevant to the banking business model.
peluang yang relevan dengan model bisnis perbankan.
Dalam melaksanakan analisis tersebut, OK BANK menggunakan In conducting this analysis, OK BANK uses the materiality map
materiality map yang dikembangkan oleh Sustainability developed by the Sustainability Accounting Standards Board
Accounting Standards Board (SASB) sebagai salah satu acuan (SASB) as one of its main references. The SASB framework
utama. Kerangka SASB dipilih karena menyediakan daftar isu is selected because it provides a list of sector-specific
keberlanjutan yang spesifik sektor dan telah diakui secara sustainability issues that is widely recognized internationally,
luas secara internasional, termasuk untuk industri perbankan. including for the banking industry. Furthermore, these issues
Selanjutnya, isu-isu tersebut ditelaah dan disesuaikan dengan are then reviewed and aligned with the Bank’s operational
konteks operasional Bank, karakteristik portofolio usaha, serta context, the characteristics of its business portfolio, as
dinamika risiko yang melekat pada industri jasa keuangan well as the risk dynamics inherent in Indonesia’s financial
di Indonesia. services industry.
Analisis risiko dilakukan dengan menilai potensi dampak The risk analysis is carried out by assessing the potential
negatif dari isu-isu ESG terhadap kegiatan usaha Bank, negative impacts of ESG issues on the Bank’s business activities,
antara lain risiko lingkungan yang berkaitan dengan including environmental risks related to climate change, social
perubahan iklim, risiko sosial yang mencakup perlindungan risks covering customer protection and labor practices, and
nasabah dan ketenagakerjaan, serta risiko tata kelola yang governance risks related to integrity, compliance, and internal
berhubungan dengan integritas, kepatuhan, dan pengendalian control. This assessment considers the implications for asset
internal. Penilaian ini mempertimbangkan implikasinya quality, financing portfolios, operational continuity, as well as
terhadap kualitas aset, portofolio pembiayaan, kelangsungan exposure to reputational and regulatory risks. On the other
operasional, serta eksposur risiko reputasi dan regulasi. Di hand, the opportunity analysis is aimed at identifying potential
sisi lain, analisis peluang diarahkan untuk mengidentifikasi benefits from the application of sustainability principles, such
potensi manfaat dari penerapan prinsip keberlanjutan, seperti as the development of sustainable finance products and
pengembangan produk dan layanan keuangan berkelanjutan, services, improved efficiency through digital transformation,
peningkatan efisiensi melalui transformasi digital, serta and strengthened stakeholder trust through more robust
penguatan kepercayaan pemangku kepentingan melalui tata governance. The results of this risk and opportunity
kelola yang lebih solid. Hasil dari analisis risiko dan peluang analysis are presented as follows:
tersebut diuraikan sebagai berikut:
Pilar ESG Isu Spesifik
ESG Pillar Specific Issues
Financed Emissions (Emisi dari Pembiayaan)
Financed Emissions (Emissions from Financing)
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Ketidaktersediaan baseline data emisi GRK dari Memulai perhitungan emisi GRK dari pembiayaan
Jangka
portofolio kredit dapat menimbulkan kesulitan dapat membantu Bank memahami profil risiko iklim
Pendek memenuhi permintaan data dari pemangku kepentingan dalam portofolio kredit.
Short-Term terkait.
The unavailability of baseline GHG emissions data Initiating the calculation of GHG emissions from
from the credit portfolio may create difficulties in financing can help the Bank understand the climate
Lingkungan meeting related stakeholder data requests. risk profile of its credit portfolio.
Environment
Apabila portofolio kredit lebih banyak di sektor tinggi Memiliki strategi pengurangan emisi GRK membuat
Jangka
emisi, maka kualitas kredit dapat melemah dan aset bank lebih dipercaya pemangku kepentingan dan
Panjang berisiko kehilangan nilai. membuka peluang pembiayaan hijau.
Long-Term
If the credit portfolio is concentrated in high-emission Having a GHG emissions reduction strategy makes
sectors, credit quality may deteriorate and assets may the Bank more trusted by stakeholders and opens
lose value. opportunities for green financing.
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Pilar ESG Isu Spesifik
ESG Pillar Specific Issues
Risiko Iklim Fisik (Banjir dan Panas Ekstrem)
Physical Climate Risks (Flooding and Extreme Heat)
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Agunan yang berada di wilayah rawan banjir dapat Pemetaan lokasi agunan terhadap risiko bencana
Jangka
turun nilainya dan meningkatkan risiko kredit. membuat kebijakan kredit lebih akurat.
Pendek
Collateral located in flood-prone areas may decline in Mapping collateral locations against disaster risks
Short-Term
value and increase credit risk. enables more accurate credit policies.
Perubahan iklim yang makin parah dapat mengganggu Portofolio menjadi lebih tahan terhadap bencana
Jangka
stabilitas portofolio properti dan UMKM. sehingga risiko jangka panjang lebih terkelola.
Panjang
Worsening climate change may disrupt the stability of A more disaster-resilient portfolio allows long-term
Long-Term
property and MSME portfolios. risks to be better managed.
Pembiayaan Hijau dan Berkelanjutan
Green and Sustainable Financing
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Pengembangan produk hijau membutuhkan biaya dan Mulai dengan skala kecil melalui proyek pembiayaan
Jangka
waktu, serta ada risiko salah mengategorikan proyek. hijau yang terpilih dan berisiko rendah.
Pendek
The development of green products requires time and Starting on a small scale through selected, low-risk
Short-Term
costs, and there is a risk of misclassifying projects. green financing projects.
Apabila Bank terlambat masuk, peluang pembiayaan Portofolio hijau dapat meningkatkan reputasi, fee-based
Jangka
transisi hijau dapat diambil kompetitor dan menurunkan income, dan akses pendanaan internasional.
Panjang daya saing.
Long-Term
Green transition financing opportunities may be A green portfolio can enhance reputation, fee-based
captured by competitors if the Bank enters too late income, and access to international funding.
and reduce competitiveness.
Jejak Lingkungan Operasional (Energi, Kertas, dan Air)
Operational Environmental Footprint (Energy, Paper, and Water)
Risiko Utama Peluang Potensial
Lingkungan Main Risks Potential Opportunities
Environment
Konsumsi energi dan sumber daya yang tinggi Digitalisasi dokumen, penggantian lampu LED, dan
Jangka
meningkatkan biaya operasional. efisiensi penggunaan energi dan sumber daya lainnya
Pendek dapat menurunkan biaya operasional harian.
Short-Term
High energy and resource consumption increases Document digitalization, replacement with LED
operating costs. lighting, and efficiency in energy and other resource
usage can reduce daily operating costs.
Kegiatan operasional perbankan yang tidak efisien Operasional yang hemat energi membantu Bank
Jangka
dapat merusak citra Bank sebagai institusi yang ingin mencapai target lingkungan dan meningkatkan
Panjang berkelanjutan. kepercayaan pemangku kepentingan.
Long-Term
Inefficient banking operations may damage Energy-efficient operations help the Bank achieve
the Bank’s image as an institution committed to environmental targets and strengthen stakeholder
sustainability. trust.
Inklusi Keuangan dan Literasi Nasabah
Financial Inclusion and Customer Literacy
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Debitur UMKM atau masyarakat kecil berisiko gagal Program literasi keuangan dan kemudahan membuka
Jangka
bayar apabila tidak memahami produk atau mencatat rekening dapat memperluas basis nasabah.
Pendek arus keuangan dengan baik.
Short-Term
MSME debtors or low-income communities may Financial literacy programs and easier account
face a higher risk of default if they do not understand opening can expand the customer base.
the products or do not properly record their cash flows.
Bank dapat dianggap tidak mendukung pemerataan Portofolio nasabah kecil menjadi lebih berkualitas
Jangka
akses keuangan nasional. dan mendukung pertumbuhan ekonomi lokal.
Panjang
The Bank may be perceived as not supporting equitable Portfolio of small customers becomes better in quality
Long-Term
national financial access. and supports local economic growth.
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Pilar ESG Isu Spesifik
ESG Pillar Specific Issues
Perlindungan Nasabah dan Kesetaraan Layanan
Customer Protection and Service Equality
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Produk yang rumit dapat membuat nasabah salah Penyederhanaan penyampaian syarat produk dan
Jangka
paham dan memicu keluhan. transparansi proses dapat meningkatkan kepuasan
Pendek nasabah.
Short Term
Complex products may lead to customer Simplifying the communication of product terms
misunderstandings and trigger complaints. and ensuring process transparency can enhance
customer satisfaction.
Ketidakpercayaan nasabah dapat terjadi apabila Reputasi sebagai Bank yang adil dan transparan
Jangka
terdapat kasus mis-selling yang terus berulang. meningkatkan loyalitas nasabah dan pertumbuhan
Panjang kinerja simpanan atau pinjaman.
Long-Term
Customer distrust may arise if repeated cases of A reputation as a fair and transparent bank increases
mis-selling occur. customer loyalty and growth in deposit and loan
performance.
Inklusi Digital
Digital Inclusion
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Sebagian nasabah belum siap menggunakan layanan Edukasi penggunaan mobile banking dan bantuan
Jangka
digital dan merasa kesulitan. di cabang membantu percepatan adopsi digital.
Pendek
Some customers are not yet ready to use digital services Education on mobile banking usage and assistance
Short-Term
and experience difficulties. at branches help accelerate digital adoption.
Ketimpangan akses digital dapat memperburuk Layanan digital yang ramah dan mudah diakses
Jangka
persepsi terhadap layanan Bank. memperluas jangkauan Bank ke berbagai segmen
Panjang masyarakat.
Long-Term
Inequality in digital access may worsen perceptions of User-friendly and accessible digital services expand
Sosial the Bank’s services. the Bank’s reach across various customer segments.
Social Pengembangan dan Kesejahteraan Karyawan
Employee Development and Well-Being
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Karyawan yang lelah atau tidak terlatih dapat Pelatihan terarah dan program kesejahteraan
Jangka
menurunkan kualitas layanan. meningkatkan kinerja dan motivasi.
Pendek
Fatigued or inadequately trained employees may Targeted training and well-being programs improve
Short-Term
reduce service quality. performance and motivation.
Bank tidak memiliki SDM dengan talenta digital dan ESG Ketersediaan SDM yang kompeten mendukung inovasi
Jangka
yang baik sehingga mendorong penurunan daya saing. produk dan transformasi digital di masa depan.
Panjang
The Bank doesn’t have HR with strong digital and ESG The availability of competent HR supports future
Long-Term
capabilities, leading to declining competitiveness. product innovation and digital transformation.
Dampak Sosial dari Pembiayaan (Employment & Community)
Social Impact of Financing (Employment & Community)
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Pembiayaan pada nasabah dengan dampak sosial Pemeriksaan aspek sosial saat menilai kredit membuat
Jangka
negatif dapat menimbulkan kritik publik. keputusan pembiayaan lebih bertanggung jawab.
Pendek
Financing customers with negative social impacts may Assessing social aspects in credit evaluations leads to
Short-Term
lead to public criticism. more responsible financing decisions.
Portofolio dapat terganggu jika sektor-sektor dengan Bank dapat berkontribusi menciptakan lapangan kerja
Jangka
dampak sosial buruk menjadi tidak stabil. dan pertumbuhan ekonomi dalam jangka panjang.
Panjang
The portfolio may be disrupted if sectors with negative The Bank can contribute to job creation and long-term
Long-Term
social impacts become unstable. economic growth.
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PT Bank Oke Indonesia, Tbk.
Pilar ESG Isu Spesifik
ESG Pillar Specific Issues
Keamanan Data dan Privasi
Data Security and Privacy
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Kebocoran data dapat langsung merusak kepercayaan Peningkatan keamanan sistem dapat mengurangi
Jangka
nasabah dan menimbulkan denda. risiko insiden keamanan data.
Pendek
Data breaches can directly undermine customer trust Enhancing system security can reduce the risk of data
Short-Term
and result in fines. security incidents.
Serangan siber makin rumit dan berulang jika Sistem keamanan digital yang kuat memperkuat
Jangka
perlindungan tidak diperkuat. reputasi dan menarik lebih banyak nasabah digital.
Panjang
Cyberattacks may become more complex and recurrent Strong digital security systems reinforce reputation
Long-Term
if protections are not strengthened. and attract more digital customers.
Integrasi ESG dalam Analisis Kredit
ESG Integration in Credit Analysis
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Penilaian kredit yang tidak mempertimbangkan risiko Menggunakan screening ESG dalam pemberian kredit
Jangka
ESG dapat membuat Bank salah menilai kemampuan membuat keputusan lebih tepat.
Pendek bayar debitur.
Short-Term
Credit assessments that do not consider ESG risks Using ESG screening in credit decisions results in
may cause the Bank to misjudge debtors’ repayment more accurate outcomes.
capacity.
Portofolio dan struktur kredit yang telah terbentuk Model kredit yang mempertimbangkan ESG membuat
Jangka
berpotensi tidak siap menghadapi perubahan regulasi portofolio lebih stabil dan tahan terhadap perubahan
Panjang atau tren industri. pasar.
Long-Term
Existing portfolios and credit structures may be Credit models that incorporate ESG considerations
unprepared to face regulatory changes or industry result in a more stable portfolio that is resilient to
trends. market changes.
Tata Kelola
Governance Etika Bisnis, AML-CTF, dan Market Conduct
Business Ethics, AML-CTF, and Market Conduct
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Pelanggaran ketentuan AML-CTF dapat menyebabkan Memperketat pemeriksaan transaksi dan pelatihan
Jangka
sanksi yang mahal dan pencitraan negatif. karyawan menjaga kepatuhan harian.
Pendek
Violations of AML-CTF regulations may lead to costly Strengthening transaction monitoring and employee
Short-Term
sanctions and negative public perception. training helps maintain daily compliance.
Reputasi Bank bisa rusak permanen jika terjadi kasus Reputasi integritas tinggi memudahkan kerja sama
Jangka
besar. internasional dan pembiayaan besar.
Panjang
The Bank’s reputation could be permanently damaged A strong reputation for integrity facilitates international
Long-Term
if a major incident occurs. cooperation and large-scale financing.
Tata Kelola ESG
ESG Governance
Risiko Utama Peluang Potensial
Main Risks Potential Opportunities
Tanpa arahan jelas, program ESG berjalan terpisah dan Penugasan unit keberlanjutan memperjelas arah
Jangka
tidak efektif. kebijakan.
Pendek
Without clear direction, ESG programs may operate in Assigning a sustainability unit clarifies policy
Short-Term
isolation and become ineffective. direction.
Investor akan menghindari Bank dengan tata kelola Tata kelola ESG yang kuat meningkatkan nilai
Jangka
ESG yang lemah. perusahaan dan daya tarik investasi.
Panjang
Investors may avoid banks with weak ESG governance. Strong ESG governance enhances corporate value
Long-Term
and investment attractiveness.
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Page 20
Topik Material dan Batasan Laporan Material Topics and Reporting Boundaries
Setelah menyelesaikan proses pelibatan pemangku After completing the stakeholder engagement process as well
kepentingan serta analisis risiko dan peluang terkait ESG, as the ESG-related risk and opportunity analysis, OK BANK
OK BANK selanjutnya menetapkan topik-topik material then determines the material topics that become the focus of
yang menjadi fokus pengungkapan dalam Laporan. disclosure in the Report. These material topics are determined
Penetapan topik material tersebut dilakukan dengan by considering the relevance of each issue to the Bank’s
mempertimbangkan relevansi isu terhadap kegiatan usaha banking activities and the level of its impact on the Bank’s
perbankan yang dijalankan serta tingkat dampaknya performance and sustainability. Compared to the previous
terhadap kinerja dan keberlanjutan Bank. Dibandingkan year, the list of material topics has been refined in line with
dengan tahun sebelumnya, daftar topik material mengalami OK BANK’s increased attention to ESG issues that are considered
penyempurnaan seiring dengan meningkatnya perhatian increasingly significant for the financial services industry.
OK BANK terhadap isu-isu ESG yang dinilai semakin signifikan
bagi industri jasa keuangan.
Penguatan topik material ini mencerminkan komitmen The strengthening of these material topics reflects OK BANK’s
OK BANK untuk terus meningkatkan kualitas dan kedalaman commitment to continuously improving the quality and depth of
pelaporan secara berkelanjutan. Melalui proses penelaahan its sustainability reporting. Through an internal review process
internal yang melibatkan berbagai fungsi dan unit kerja, daftar involving various functions and business units, the resulting list
topik material yang dihasilkan telah memperoleh persetujuan of material topics has received management approval and is
manajemen dan digunakan sebagai landasan dalam penyusunan used as the basis for preparing disclosures and formulating
pengungkapan serta perumusan strategi keberlanjutan pada sustainability strategies for the reporting year. In addition to
tahun pelaporan. Selain menetapkan prioritas topik, OK BANK setting topic priorities, OK BANK also determines reporting
juga menentukan batasan laporan untuk masing-masing topik boundaries for each topic to ensure that the scope of disclosure
guna memastikan bahwa cakupan pengungkapan mencerminkan reflects the relevant range of impacts, both those arising from
ruang lingkup dampak yang relevan, baik yang berasal dari the Bank’s internal operational activities (inside boundary) and
aktivitas operasional internal Bank (inside boundary) maupun those occurring outside the entity but still related to its business
dampak yang timbul di luar entitas namun tetap berkaitan activities (outside boundary). Through this approach, the Report
dengan kegiatan usaha (outside boundary). Dengan pendekatan is expected to present information that is accurate, transparent,
tersebut, Laporan ini diharapkan mampu menyajikan informasi and aligned with the needs and expectations of stakeholders.
yang akurat, transparan, dan selaras dengan kebutuhan serta
ekspektasi pemangku kepentingan.
Informasi mengenai daftar topik material serta batasan Information on the list of material topics and their reporting
pelaporannya diuraikan sebagai berikut: boundaries is presented as follows:
DAFTAR TOPIK MATERIAL DAN BATASANNYA [GRI 3-2]
List of Material Topics and Their Boundaries
Batasan Pemangku
Kepentingan
Stakeholder
Pilar ESG Isu Spesifik Alasan Bersifat Material
Boundaries
ESG Pillar Specific Issues Reason for Being Material
Internal Eksternal
Internal External
Emisi terbesar OK BANK bukan berasal dari operasional kantor,
melainkan dari kegiatan pembiayaan kepada nasabah. Sektor-sektor
dengan emisi tinggi dapat meningkatkan risiko kredit, risiko
reputasi, dan tekanan dari regulator. Mengelola dan mengurangi
emisi pembiayaan membantu OK BANK menjaga kualitas portofolio
Financed Emissions
dan memenuhi ekspektasi pemangku kepentingan mengenai
(Emisi dari Pembiayaan)
pengungkapan iklim.
Financed Emissions
The largest emissions of OK BANK do not come from office operations,
(Emissions from Financing)
Lingkungan but from financing activities provided to customers. High-emission
Environment sectors can increase credit risk, reputational risk, and regulatory
pressure. Managing and reducing financed emissions helps OK BANK
maintain portfolio quality and meet stakeholder expectations regarding
climate-related disclosures.
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Batasan Pemangku
Kepentingan
Stakeholder
Pilar ESG Isu Spesifik Alasan Bersifat Material
Boundaries
ESG Pillar Specific Issues Reason for Being Material
Internal Eksternal
Internal External
Banjir, cuaca ekstrem, dan bencana lainnya dapat menurunkan nilai
agunan, mengurangi kemampuan bayar debitur, dan meningkatkan
Risiko Iklim Fisik
NPL. Perubahan iklim yang makin tidak terduga menjadikan isu ini
(Banjir dan Panas
sangat penting untuk pengelolaan risiko pembiayaan jangka panjang
Ekstrem)
OK BANK.
Physical Climate Risks
Floods, extreme weather, and other disasters can reduce collateral
(Flooding and Extreme
values, weaken debtors’ repayment capacity, and increase NPLs.
Heat)
Increasingly unpredictable climate change makes this issue highly
material for OK BANK’s long-term financing risk management.
Produk pembiayaan hijau merupakan peluang bisnis besar untuk
OK BANK, sekaligus mendukung transisi ekonomi nasional. Topik
ini material karena dapat meningkatkan pertumbuhan pendapatan,
Pembiayaan Hijau dan memperkuat reputasi, dan membuka akses pendanaan hijau dari
Berkelanjutan lembaga internasional.
Green and Sustainable Green financing products represent a significant business opportunity
Financing for OK BANK, while also supporting the national economic transition.
Lingkungan This topic is material because it can drive revenue growth,
Environment strengthen reputation, and open access to green funding from
international institutions.
Meskipun dampak lingkungan OK BANK relatif kecil dibanding industri
lain, efisiensi energi dan digitalisasi mengurangi biaya operasional
Jejak Lingkungan secara langsung. Pengelolaan jejak lingkungan juga menjadi simbol
Operasional (Energi, Kertas, komitmen keberlanjutan dan meningkatkan kepercayaan pemangku
dan Air) kepentingan.
Operational Environmental Although OK BANK’s environmental impact is relatively small
Footprint (Energy, Paper, compared to other industries, energy efficiency and digitalization
and Water) directly reduce operating costs. Managing the environmental footprint
also symbolizes a commitment to sustainability and enhances
stakeholder trust.
Sebagai lembaga intermediasi, OK BANK berperan besar dalam
memperluas akses layanan keuangan. Kurangnya inklusi dapat
Inklusi Keuangan dan
menghambat pertumbuhan ekonomi lokal dan meningkatkan risiko
Literasi Nasabah
gagal bayar.
Financial Inclusion and
As a financial intermediary, OK BANK plays a major role in expanding
Customer Literacy
access to financial services. Insufficient inclusion can hinder local
economic growth and increase the risk of default.
Produk yang tidak jelas, rumit, atau membingungkan dapat memicu
keluhan, menurunkan kepercayaan nasabah, dan menimbulkan risiko
Perlindungan Nasabah dan hukum. Pelindungan, kesetaraan, dan transparansi produk OK BANK
Kesetaraan Layanan meningkatkan loyalitas dan membangun reputasi yang kuat.
Customer Protection and Unclear, complex, or confusing products may trigger complaints,
Service Equality reduce customer trust, and create legal risks. Customer
protection, service equality, and product transparency strengthen
customer loyalty and build a strong reputation for OK BANK.
Transformasi digital dapat mengecualikan kelompok yang kurang
familiar dengan teknologi. Jika tidak dikelola, dapat menciptakan
Sosial kesenjangan layanan. Akses digital yang inklusif memperluas pasar
Social Inklusi Digital OK BANK dan meningkatkan efisiensi layanan.
Digital Inclusion Digital transformation may exclude groups that are less familiar
with technology. If not managed properly, it can create service
gaps. Inclusive digital access expands OK BANK’s market reach and
improves service efficiency.
SDM merupakan penggerak utama layanan perbankan. Karyawan
yang stres, kurang kompeten, atau tidak mendapatkan pelatihan
Pengembangan dan memadai dapat menurunkan kualitas layanan dan meningkatkan
Kesejahteraan Karyawan risiko operasional.
Employee Development HR are the primary drivers of banking services. Employees
and Well-Being who are stressed, lack competence, or do not receive
adequate training may reduce service quality and increase
operational risk.
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Batasan Pemangku
Kepentingan
Stakeholder
Pilar ESG Isu Spesifik Alasan Bersifat Material
Boundaries
ESG Pillar Specific Issues Reason for Being Material
Internal Eksternal
Internal External
Keputusan pembiayaan OK BANK berdampak langsung pada
lapangan kerja dan kondisi sosial masyarakat. Pembiayaan yang
mendukung sektor berdaya guna tinggi membantu meningkatkan
Dampak Sosial dari
kesejahteraan dan stabilitas ekonomi. Sebaliknya, pembiayaan yang
Pembiayaan (Employment &
terkait isu sosial negatif dapat menciptakan risiko reputasi.
Community)
OK BANK’s financing decisions have a direct impact on employment
Social Impact of Financing
and social conditions within communities. Financing that supports
Sosial (Employment & Community)
high-impact sectors helps improve welfare and economic
Social
stability, while financing associated with negative social issues
can create reputational risk.
Keamanan data merupakan fondasi kepercayaan nasabah. Kebocoran
data akan langsung menurunkan reputasi dan dapat mengundang
Keamanan Data dan Privasi sanksi regulator.
Data Security and Privacy
Data security is the foundation of customer trust. Data breaches can
immediately damage reputation and may trigger regulatory sanctions.
Risiko ESG dapat memengaruhi kemampuan bayar debitur. Tidak
memasukkan faktor ESG dalam analisis kredit dapat membuat
Integrasi ESG dalam
OK BANK salah menilai risiko, meningkatkan NPL, dan menciptakan
Analisis Kredit
kerugian jangka panjang
ESG Integration in
ESG risks can affect debtors’ repayment capacity. Failure to
Credit Analysis
incorporate ESG factors into credit analysis may cause OK BANK to
misjudge risks, increase NPLs, and create long-term losses.
Perbankan sangat rentan terhadap pencucian uang dan penyalahgunaan
pasar. Kegagalan menjaga etika bisnis tidak hanya menimbulkan denda
Etika Bisnis, AML-CTF, besar, tetapi juga dapat menyebabkan hilangnya izin atau hubungan
Tata Kelola dan Market Conduct dengan bank koresponden asing.
Governance Business Ethics, AML-CTF, The banking sector is highly vulnerable to money laundering and
and Market Conduct market abuse. Failure to uphold business ethics can result not only
in significant fines, but also in the loss of licenses or relationships
with foreign correspondent banks.
Tanpa arah dan pengawasan yang jelas dari Dewan Komisaris/Direksi,
inisiatif ESG berjalan terpisah-pisah dan tidak efektif. Tata kelola ESG
yang kuat menjadi dasar untuk strategi keberlanjutan yang terintegrasi.
Tata Kelola ESG
ESG Governance Without clear direction and oversight from the Board of Commissioners/
the Board of Directors, ESG initiatives may operate in silos and
become ineffective. Strong ESG governance forms the foundation for
an integrated sustainability strategy.
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Iktisar Utama
2025
Key Highlights in 2025
Sepanjang tahun 2025, OK BANK mencatatkan kinerja
yang semakin kuat di berbagai indikator utama. Capaian
ini mencerminkan konsistensi dalam mengedepankan
efektivitas operasional dalam mempertahankan kesehatan
keuangan dengan terus melakukan penyempurnaan di
seluruh lini bisnis untuk memastikan layanan yang lebih
baik dan mampu memenuhi harapan seluruh pemangku
kepentingan.
Throughout 2025, OK BANK recorded increasingly strong
performance across key indicators. This achievement
reflects consistent efforts to prioritize operational
effectiveness in maintaining financial soundness,
while continuously improving all business lines to
ensure better services and meet the expectations of all
stakeholders.
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IKHTISAR UTAMA 2025
Key Highlights in 2025
Ikhtisar Kinerja 2025
2025 Performance Highlights
JUMLAH ASET
Total Assets
miliar / billion
2025
Rp
13.417,63
2024 Rp11.870,49
2023 Rp11.075,15
13,03%
LABA BERSIH JUMLAH KREDIT
Net Profit Total Loans
miliar / billion miliar / billion
2025 2025
Rp
159,98 220,03% Rp
10.734,81 15,43%
2024 2023 2024 2023
Rp49,99 Rp28,65 Rp9.300,15 Rp8.527,88
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PT Bank Oke Indonesia, Tbk.
2025
SIMPANAN
DARI NASABAH Rp
8.174,48
Deposits from
Customers
2024 Rp6.818,15 19,89%
miliar / billion
2023 Rp6.069,75
2025
PENDAPATAN BUNGA – Rp
BERSIH 688,88
Net Interest Income
2024 Rp601,42 14,54%
miliar / billion
2023 Rp603,36
KEWAJIBAN PENYEDIAAN
MODAL MINIMUM (KPMM)
Capital Adequacy Ratio
(CAR)
2025
42,21%
Berada di tingkat yang sehat dan
di atas ketentuan regulasi.
At a sound level as well as above
regulatory requirements.
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IKHTISAR UTAMA 2025
Key Highlights in 2025
Ikhtisar Keuangan [POJK C.3]
Financial Highlights
Aset
Assets
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Uraian 2025 2024 2023 Description
Kas 21.783 23.122 17.164 Cash
Penempatan pada Bank Indonesia 672.953 540.794 562.794 Placements with Bank Indonesia
Penempatan pada Bank Lain 341.112 265.427 452.730 Placements with Other Banks
Surat Berharga Marketable Securities
1.596.238 1.628.912 1.382.902
(Termasuk Reverse Repo) (Including Reverse Repo)
Pinjaman yang Diberikan 10.734.810 9.300.154 8.527.881 Loans
Cadangan Kerugian Penurunan Nilai Aset Keuangan
Allowance for Impairment Losses of Financial Assets
CKPN Kredit (239.410) (207.640) (217.321) CKPN of Loans
Aset Tak Berwujud (Net) 22.472 15.860 24.825 Intangible Assets (Net)
Aset Tetap & Hak Guna Aset (Net) 134.650 144.555 153.322 Fixed Assets & Right of Use Asset (Net)
Agunan yang Diambil Alih (Net) 11.396 43.504 65.716 Foreclosed Assets (Net)
Aset Lainnya 121.624 115.804 105.139 Other Assets
Jumlah Aset 13.417.628 11.870.492 11.075.151 Total Assets
Liabilitas
Liabilities
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Uraian 2025 2024 2023 Description
Simpanan Nasabah 8.174.482 6.818.150 6.069.745 Deposits from Customers
Liabilitas dari Bank Lain 803.889 725.613 744.263 Deposits from Other Banks
Pinjaman yang Diterima 500.000 550.000 550.000 Borrowings
Setoran Jaminan 188 165 151 Security Deposits
Liabilitas Lainnya 141.638 140.882 126.507 Other Liabilities
Jumlah Liabilitas 9.620.197 8.234.810 7.490.666 Total Liabilities
Ekuitas
Equity
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Uraian 2025 2024 2023 Description
Modal Ditempatkan dan Disetor Penuh 1.689.239 1.703.779 1.703.779 Issued and Fully Paid Capital
Tambahan Modal Disetor 1.592.825 1.633.486 1.633.486 Additional Paid-in Capital
Saham Treasury - (55.201) (55.201) Treasury Stock
Komponen Ekuitas Lain (14) (1.788) (2.996) Other Equity Components
Surplus Revaluasi Aset Tetap – Neto 80.715 81.949 85.480 Revaluation Surplus of Fixed Assets – Net
Saldo Laba/Rugi 434.665 273.457 219.938 Retained Earnings/Loss
Jumlah Ekuitas 3.797.430 3.635.682 3.584.486 Total Equity
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PT Bank Oke Indonesia, Tbk.
JUMLAH ASET JUMLAH LIABILITAS
Total Assets Total Liabilities
13.417.628
11.870.492
11.075.151
9.620.197
8.234.810
7.490.666
(dalam jutaan Rupiah) (dalam jutaan Rupiah)
(in millions of Rupiah) (in millions of Rupiah)
2023 2024 2025 2023 2024 2025
JUMLAH EKUITAS PINJAMAN YANG DIBERIKAN
Total Equity Loans
10.734.810
9.300.154
8.527.881
3.584.486 3.635.682 3.797.430
(dalam jutaan Rupiah) (dalam jutaan Rupiah)
(in millions of Rupiah) (in millions of Rupiah)
2023 2024 2025 2023 2024 2025
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IKHTISAR UTAMA 2025
Key Highlights in 2025
Ikhtisar Laba Rugi dan Penghasilan Komprehensif
Highlights of Profit or Loss and Comprehensive Income
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Uraian 2025 2024 2023 Description
Pendapatan Bunga – Bersih 688.876 601.419 603.360 Interest Income – Net
Pendapatan Operasional Lainnya 31.946 28.296 16.949 Other Operating Income
Beban Operasional Lainnya – Bersih (506.590) (561.896) (583.140) Other Operating Expenses – Net
Laba Operasional 214.233 67.820 37.169 Operating Income
Pendapatan (Beban) Non-Operasional – Bersih (283) 318 (97) Non-Operating Income (Expenses) – Net
Laba Tahun Berjalan Sebelum Pajak 213.950 68.138 37.072 Income for the Year Before Tax
Beban Pajak Penghasilan (53.976) (18.150) (8.420) Income Tax Expense
Laba Bersih Tahun Berjalan 159.975 49.988 28.652 Net Profit for the Year
Penghasilan Komprehensif Lainnya 1.774 1.208 3.474 Other Comprehensive Income
Jumlah Laba Komprehensif 161.748 51.196 32.126 Total Comprehensive Income
Laba per Saham (Nilai Penuh) 9,41 2,93 1,68 Basic Earnings per Share (Full Amount)
PENDAPATAN BUNGA – BERSIH LABA OPERASIONAL
Interest Income – Net Operating Income
688.876
603.360 601.419
214.233
67.820
(dalam jutaan Rupiah) (dalam jutaan Rupiah) 37.169
(in millions of Rupiah) (in millions of Rupiah)
2023 2024 2025 2023 2024 2025
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PT Bank Oke Indonesia, Tbk.
LABA BERSIH TAHUN BERJALAN
Net Profit for the Year
159.975
49.988
(dalam jutaan Rupiah) 28.652
(in millions of Rupiah)
2023 2024 2025
Rasio Keuangan dan Kepatuhan
Financial and Compliance Ratios
(dalam %, kecuali dinyatakan lain / in %, unless otherwise stated)
Uraian 2025 2024 2023 Description
Permodalan
Capital
Rasio Kecukupan Pemenuhan Modal
42,21 46,83 49,22 Capital Adequacy Ratio (CAR)
Minimum (KPMM)
Rasio Tier 1 41,11 45,74 48,14 Tier 1 Ratio
Rasio Tier 2 1,10 1,09 1,09 Tier 2 Ratio
Aset Tetap terhadap Modal 3,12 3,31 3,65 Fixed Assets to Capital
Kualitas Aset
Assets Quality
Non-Performing Earning Assets and
Aset Produktif Bermasalah dan Aset
Non-Performing Non-Earning Assets
Non-Produktif Bermasalah terhadap Total 1,79 1,99 3,16
to Total Earning Assets and
Aset Produktif dan Aset Non-Produktif
Non-Earning Assets
Aset Produktif Bermasalah terhadap Non-Performing Earning Assets to
1,97 1,91 2,89
Jumlah Aset Produktif Total Earning Assets
Rasio Pinjaman Bermasalah
2,50 2,49 3,80 Non-Performing Loan (NPL) Ratio – Gross
(Non-Performing Loan - NPL Ratio) – Bruto
Rasio Kredit Bermasalah
1,22 1,45 2,30 Non-Performing Loan (NPL) Ratio – Net
(Non-Performing Loan - NPL Ratio) – Neto
Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for Impairment Losses
1,80 1,78 1,99
terhadap Aset Produktif (CKPN) to Earning Assets
Rasio Penurunan Nilai Kredit
2,23 2,23 2,55 Loans Impairment Ratio
(Impairment Ratio)
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IKHTISAR UTAMA 2025
Key Highlights in 2025
(dalam %, kecuali dinyatakan lain / in %, unless otherwise stated)
Uraian 2025 2024 2023 Description
Rentabilitas
Profitability
Return on Asset (ROA) 1,70 0,61 0,35 Return on Asset (ROA)
Return on Equity (ROE) 4,35 1,41 0,46 Return on Equity (ROE)
Margin Bunga Bersih (NIM) 5,67 5,58 5,87 Net Interest Margin (NIM)
Beban terhadap Pendapatan (CIR) 44,69 47,95 51,88 Cost to Income Ratio (CIR)
Biaya Operasional terhadap Operating Expense to Operating
82,71 93,64 96,35
Pendapatan Operasional (BOPO) Income (BOPO)
Likuiditas
Liquidity
Pinjaman yang Diberikan terhadap
128,99 132,30 136,73 Loan to Deposit Ratio (LDR)
Simpanan dari Nasabah (LDR)
Net Stable Funding Ratio (NSFR) 131,42 129,16 121,65 Net Stable Funding Ratio (NSFR)
Liquidity Coverage Ratio (LCR) 345,71 127,36 161,45 Liquidity Coverage Ratio (LCR)
Current Account Saving Account
Rasio Dana Murah (CASA) 23,27 23,63 20,64
(CASA) Ratio
Kepatuhan
Compliance
Persentase Pelanggaran BMPK LLL Violation Percentage
Pihak Terkait - - - Related Parties
Pihak Tidak Terkait - - - Non-Related Parties
Persentase Pelampauan BMPK LLL Exceeding Percentage
Pihak Terkait - - - Related Parties
Pihak Tidak Terkait - - - Non-Related Parties
Giro Wajib Minimum (GWM) Minimum Statutory Reserve (GMW)
GWM Utama Rupiah Rupiah Main GWM
Primer 4,46 6,49 7,19 Primary
Penyangga Likuiditas Makroprudensial
19,44 25,13 23,06 Macroprudential Liquidity Buffer (PLM)
(PLM)
Ikhtisar Operasional
Operational Highlights
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Uraian 2025 2024 2023 Description
Pinjaman yang Diberikan 10.734.810 9.300.154 8.527.881 Loans
Simpanan dari Nasabah 8.174.482 6.818.150 6.069.745 Deposits from Customers
Pendapatan Bunga Kredit yang Diberikan 1.050.783 898.235 888.987 Interest Income from Loans
Fee Based Income 10.169 14.021 10.906 Fee Based Income
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PT Bank Oke Indonesia, Tbk.
PINJAMAN YANG DIBERIKAN SIMPANAN DARI NASABAH
Loans Deposits from Customers
10.734.810
9.300.154
8.527.881
8.174.482
6.818.150
6.069.745
(dalam jutaan Rupiah) (dalam jutaan Rupiah)
(in millions of Rupiah) (in millions of Rupiah)
2023 2024 2025 2023 2024 2025
PENDAPATAN BUNGA KREDIT FEE BASED INCOME
YANG DIBERIKAN Fee Based Income
Interest Income from Loans
888.987 898.235 1.050.783
(dalam jutaan Rupiah) (dalam jutaan Rupiah)
(in millions of Rupiah) (in millions of Rupiah) 10.906 14.021 10.169
2023 2024 2025 2023 2024 2025
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IKHTISAR UTAMA 2025
Key Highlights in 2025
Ikhtisar Saham
Stock Highlights
Jumlah Saham
Kapitalisasi
Beredar Volume
Tertinggi Terendah Penutupan Pasar
Tahun Periode (Lembar Saham) Perdagangan
Highest Lowest Closing Market
Year Period Total Outstanding Trading
(Rp) (Rp) (Rp) Capitalization
Shares Volume
(Rp)
(Share)
Triwulan I
174 75 85 17.037.792.274 548.024.200 1.448.212.343.290
Quarter I
Triwulan II
134 76 104 17.037.792.274 311.948.600 1.771.930.396.496
Quarter II
2025
Triwulan III
157 102 120 17.037.792.274 690.534.500 2.044.535.072.880
Quarter III
Triwulan IV
302 111 186 16.892.391.185 1.947.900.500 3.141.984.760.410
Quarter IV
Triwulan I
120 116 116 17.037.792.274 445.700 1.976.383.903.784
Quarter I
Triwulan II
76 74 76 17.037.792.274 81.700 1.294.872.212.824
Quarter II
2024
Triwulan III
86 80 85 17.037.792.274 195.000 1.448.212.343.290
Quarter III
Triwulan IV
118 107 113 17.037.792.274 7.076.100 1.925.270.526.962
Quarter IV
GRAFIK PERDAGANGAN SAHAM
Chart of Stock Trading
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Shares) Closing Price (Rp)
300.000.000 300
250.000.000 250
200.000.000 200
150.000.000 150
100.000.000 100
50.000.000 50
- -
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b
b
t
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Ju
Oc
Ju
Oc
Ap
Ap
No
No
De
De
Au
Au
Se
Se
Ju
Ju
Ja
Ja
Fe
Fe
M
M
M
M
2024 2025
Volume Perdagangan (Lembar Saham) / Trading Volume (Shares) Harga Penutupan (Rp) / Closing Price (Rp)
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PT Bank Oke Indonesia, Tbk.
Sanksi atas Perdagangan Saham Sanctions on Stock Trading
Sepanjang tahun 2025, saham OK BANK tidak pernah menerima Throughout 2025, OK BANK’s shares were not subject to any
sanksi (sanction) ataupun mengalami penghentian sementara sanctions nor did they experience any temporary trading
(suspension) yang memengaruhi aktivitas perdagangan suspensions that affected the Company’s share trading
saham Perseroan di Bursa Efek Indonesia. OK BANK juga tidak activities on Indonesia Stock Exchange. OK BANK also did
melakukan penghapusan pencatatan saham (delisting) di not carry out any delisting of its shares from Indonesia
Bursa Efek Indonesia. Stock Exchange.
Aksi Korporasi terkait Saham Corporate Actions related to Shares
Pada tanggal 12 Desember 2025 , OK BANK telah melaksanakan In December 12, 2025, OK BANK executed a corporate action in
aksi korporasi berupa Pengalihan Saham Treasuri yang the form of a Transfer of Treasury Shares, by withdrawing
dilakukan dengan ditarik kembali dengan cara pengurangan them through a capital reduction pursuant to Article 21 of
modal berdasarkan Pasal 21 POJK Nomor 29/POJK.04/2023 POJK Number 29/POJK.04/2023 on the Buyback of Shares
tentang Pembelian Kembali Saham yang Dikeluarkan oleh Issued by Public Companies. This corporate action was
Perusahaan Terbuka. Aksi korporasi ini dilakukan sebagai undertaken as part of an effort to adjust OK BANK's capital
bagian dari upaya penyesuaian struktur permodalan OK BANK structure to be more efficient and aligned with OK BANK's
agar lebih efisien dan selaras dengan kondisi keuangan serta financial condition and future business needs.
kebutuhan bisnis OK BANK ke depan.
Berdasarkan aksi korporasi tersebut, jumlah saham beredar Based on this corporate action, the number of OK BANK's
OK BANK mengalami perubahan dari 17.037.792.274 lembar outstanding shares changed from 17,037,792,274 shares to
saham menjadi 16.892.391.185 lembar saham dengan nilai 16,892,391,185 shares with a nominal value of Rp1.69 trillion.
nominal Rp1,69 triliun. Sementara itu, perubahan harga saham Meanwhile, changes in OK BANK's share price in the market
OK BANK yang terdapat di pasar dipengaruhi oleh mekanisme are influenced by generally accepted supply and demand
permintaan dan penawaran yang berlaku umum. mechanisms.
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IKHTISAR UTAMA 2025
Key Highlights in 2025
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan Awards
Sepanjang tahun 2025, OK BANK belum menerima penghargaan Throughout 2025, OK BANK had not received any awards
dari institusi eksternal. Kondisi ini tidak mengurangi fokus from external institutions. This condition does not diminish
OK BANK dalam menjaga kualitas kinerja, memperkuat OK BANK’s focus on maintaining performance quality,
fundamental usaha, serta memastikan seluruh aktivitas strengthening business fundamentals, and ensuring that
operasional berjalan sesuai dengan prinsip kehati-hatian, tata all operational activities are carried out in accordance with
kelola perusahaan yang baik, dan kepatuhan terhadap regulasi prudential principles, good corporate governance, and
yang berlaku. compliance with applicable regulations.
Sertifikasi / Certificate
ISO 27001:2013
tentang Sistem Manajemen Keamanan Informasi
pada Layanan Mobile Banking dan Internet
Banking (Personal & Corporate)
ISO 27001:2013 on Information Security
Management System for Mobile Banking and Sertifikasi / Certificate
Internet Banking Services
(Personal & Corporate)
Penerima / Recipient: ISO 27001:2022
PT Bank Oke Indonesia, Tbk.
tentang Sistem Manajemen Keamanan Informasi pada
Penyelenggara / Organizer: Layanan Mobile Banking dan Internet Banking
PT Bureau Veritas Indonesia
(Personal & Corporate)
Masa Berlaku / Validity Period:
ISO 27001:2022
Sampai 7 Desember 2025 / Until December 7, 2025
on Information Security Management System
for Mobile Banking and Internet Banking Services
(Personal & Corporate)
Penerima / Recipient:
PT Bank Oke Indonesia, Tbk.
Penyelenggara / Organizer:
PT Bureau Veritas Indonesia
Masa Berlaku / Validity Period:
Sampai 7 Desember 2028 / Until December 7, 2028
CERTIFICATE
PT BANK OKE INDONESIA TBK Certificate number:
Jl. Ir. H. Juanda No. 12, RT. 14/RW. 4, Kebon Kelapa, Gambir, Jakarta Pusat, DKI ID006584
Jakarta, 10120, Indonesia
Original cycle start date by another
certification body:
This is a multi-site certificate, additional site(s) are listed on the next 8-12-2022
page(s) Expiry date of previous cycle:
Bureau Veritas Certification certify that the Management System of the 7-12-2025
above organisation has been audited and found to be in accordance with the Certification / Recertification
requirements of the management system standards detailed below Audit date:
28-10-2025
ISO/IEC 27001:2022 Certification / Recertification cycle
start date:
8-12-2025
Subject to the continued
Scope of certification : satisfactory operation of the
organization’s Management System,
Sistem Manajemen Keamanan Informasi pada Layanan Mobile Banking and Internet this certificate expires on:
Banking (Personal & Corporate) 7-12-2028
Version: 1
Issue Date:
8-12-2025
Statement of Applicability version 1.0 dated 01 Oct 2025
LSSM-021-IDN
Certification body address: PT Bureau Veritas Indonesia, Wisma 76 Building, 21st Floor Jl. Let. Jend. S. Parman
Kav.76 Slipi, Palmerah Jakarta Barat 11410
Further clarifications regarding the scope of this certificate and the applicability of the management system
requirements may be obtained by consulting the organisation.
To check this certificate validity please call: +6221-5366 6861
1/2
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Peristiwa Penting 2025
2025 Event Highlights
Februari-Maret / February-March
OK Lucky Program
Pada bulan Februari hingga Maret 2025, OK BANK menyelenggarakan
OK Lucky Program sebagai program undian berhadiah yang ditujukan
untuk meningkatkan partisipasi dan loyalitas nasabah. Program ini
diperuntukkan bagi 100 (seratus) orang nasabah yang melakukan
penempatan dana minimal sebesar Rp500.000.000,- dengan tenor
6 (enam) bulan, sebagai bentuk apresiasi atas kepercayaan
nasabah terhadap produk simpanan OK BANK. Melalui program ini,
OK BANK menyediakan berbagai hadiah menarik, dengan 1 (satu) unit
mobil BYD Atto 3 sebagai hadiah utama dan 30 (tiga puluh) hadiah
hiburan lainnya.
From February to March 2025, OK BANK held OK Lucky Program,
a prize draw program aimed at increasing customer participation and
loyalty. This program was intended for 100 (one hundred) customers
who deposited a minimum of Rp500,000,000 for a 6 (six) month term,
as a token of appreciation for customer trust in OK BANK's savings
products. Through this program, OK BANK offered various attractive
prizes, including one BYD Atto 3 as the main prize and 30 (thirty) other
consolation prizes.
Maret / March
7,14,
& 21
OK Berbagi di Bulan Suci
OK Sharing in the Holy Month
OK BANK telah melaksanakan kegiatan Corporate Social Responsibility
(CSR) dalam bentuk berbagi takjil gratis dengan tema “OK Berbagi di
Bulan Suci”. Kegiatan ini dilaksanakan sebanyak 3 (tiga) kali, yaitu
pada tanggal 7, 14, dan 21 Maret 2025. Pembagian takjil dilakukan di
depan kantor pusat OK BANK dan ditujukan bagi masyarakat umum
di sekitar lokasi. Setiap harinya, OK BANK membagikan sebanyak
100 (seratus) kotak takjil kepada berbagai kalangan masyarakat,
termasuk pedagang kecil, pengemis, pengemudi ojek online,
dan warga yang membutuhkan.
OK BANK organized a Corporate Social Responsibility (CSR) activity in
the form of free takjil with the theme "OK Sharing in the Holy Month".
This activity was held 3 (three) times: on March 7, 14, and 21, 2025.
The takjil distribution took place in front of OK BANK's head office and
was intended for the general public in the surrounding area. Every day,
OK BANK distributed 100 (one hundred) boxes of takjil to various groups
in the community, including small traders, beggars, online motorcycle
taxi drivers, and residents in need.
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IKHTISAR UTAMA 2025
Key Highlights in 2025
Juni/ June
17
Setetes Darah, Sejuta Harapan
A Drop of Blood, a Million Hopes
OK BANK mengadakan kegiatan donor darah dengan mengusung
tagline “Setetes Darah, Sejuta Harapan”. Kegiatan tersebut
berlangsung atas kerja sama OK BANK dan Unit Transfusi Darah
Rumah Sakit (UTDRS) Bayu Asih Purwakarta, yang diselenggarakan
di kantor pusat OK BANK. Antusiasme masyarakat tercermin dari
82 (delapan puluh dua) orang pendaftar yang ingin mendonorkan
darahnya. Namun, setelah melewati pemeriksaan darah dan
pemeriksaan kesehatan, tidak semua pendaftar berkesempatan untuk
mendonorkan darahnya. Kegiatan sosial ini berhasil mengumpulkan 53
(lima puluh tiga) kantong darah yang siap digunakan untuk menolong
orang-orang yang membutuhkan.
OK BANK held a blood drive with the tagline "A Drop of Blood,
a Million Hopes". The event, held in collaboration of OK BANK with
Bayu Asih Purwakarta Hospital Blood Transfusion Unit (UTDRS), was
held at OK BANK's headquarters. The community's enthusiasm was
reflected in the 82 (eighty two) people who registered to donate blood.
However, after undergoing blood tests and health screenings, not all
registrants were able to donate. This social drive successfully collected
53 (fifty three) blood bags, ready to be used to help those in need.
September / September
19
Berbagi Kasih untuk Sesama Bersama Anak-Anak Balita
di Jakarta Timur
Sharing Love and Care for the Community Together with Underprivileged
Toddlers in East Jakarta
OK BANK kembali mewujudkan komitmen dalam memberikan kontribusi
positif kepada masyarakat melalui kegiatan CSR. Pada kesempatan ini,
kegiatan CSR bertajuk “Berbagi Kasih untuk Sesama” dilaksanakan di
Panti Sosial Asuhan Anak Balita Tunas Bangsa, Jakarta Timur dengan
melibatkan 67 (enam puluh tujuh) anak balita berusia 2 (dua) hingga
7 (tujuh) tahun. Dalam kegiatan tersebut, OK BANK menyalurkan
berbagai bentuk bantuan yang disesuaikan dengan kebutuhan
anak-anak, di antaranya pampers, susu formula, sembako, aneka
snack, dan perlengkapan penunjang lainnya yang bermanfaat bagi
tumbuh kembang serta keseharian mereka.
OK BANK once again demonstrated its commitment to making
a positive contribution to the community through its CSR activities.
On this occasion, a CSR activity titled "Sharing Love for Others" was
held at Tunas Bangsa Toddler Orphanage in East Jakarta, involving
67 (sixty seven) toddlers aged 2 (two) to 7 (seven) years. During
the activity, OK BANK distributed various forms of assistance
tailored to the children's needs, including diapers, formula milk,
basic necessities, various snacks, and other supporting equipment
beneficial for their growth and development and daily life.
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PT Bank Oke Indonesia, Tbk.
September-Oktober / September-October
OK Lucky Program
Melanjutkan kesuksesan program sebelumnya, pada bulan September
hingga Oktober 2025, OK BANK kembali menyelenggarakan OK Lucky
Program. Pada bulan ini, OK Lucky Program memberikan undian
berhadiah yang ditujukan bagi 50 (lima puluh) orang nasabah yang
melakukan penempatan dana sebesar Rp1.000.000.000,- dengan
tenor 12 (dua belas) bulan. Melalui program ini, OK BANK menyediakan
berbagai hadiah menarik, termasuk 1 (satu) unit mobil Denza D9 dan
1 (satu) unit BYD Atto 1 sebagai hadiah utama, serta 50 (lima puluh)
hadiah hiburan lainnya.
Continuing the success of the previous program, from September to
October 2025, OK BANK held another OK Lucky Program. This month,
OK Lucky Program provided a prize draw for 50 (fifty) customers who
deposited Rp1,000,000,000 with a 12 (twelve) month term. Through
this program, OK BANK offered various attractive prizes, including
1 (one) Denza D9 and one BYD Atto 1 as the grand prize, along with
50 (fifty) other consolation prizes.
Desember / December
17
OK BANK Salurkan Bantuan Kemanusiaan untuk Korban Bencana
Alam di Sumatra melalui Yayasan Kitabisa
OK BANK Distributed Humanitarian Aid to Victims of Natural Disasters
in Sumatra through a Collaboration with Kitabisa Foundation
OK BANK menyalurkan bantuan kemanusiaan bagi para korban
bencana alam di Sumatra melalui kolaborasi dengan Yayasan Kitabisa
sebagai mitra penyalur. Inisiatif ini merupakan wujud kepedulian sosial
dan tanggung jawab OK BANK dalam merespons kondisi darurat
yang berdampak pada masyarakat terdampak bencana, baik dari sisi
kebutuhan dasar maupun pemulihan pascabencana. Bantuan yang
disalurkan difokuskan pada pemenuhan kebutuhan mendesak, seperti
paket logistik, perlengkapan kesehatan, serta dukungan lainnya yang
diperlukan untuk membantu meringankan beban para penyintas.
Penyaluran melalui lembaga yang memiliki jaringan relawan dan sistem
distribusi terverifikasi memastikan bantuan dapat diterima secara tepat
sasaran, cepat, dan transparan.
OK BANK distributed humanitarian aid to victims of natural disasters
in Sumatra through a collaboration with Kitabisa Foundation as
a distribution partner. This initiative demonstrated OK BANK's
social concern and responsibility in responding to emergencies that
impact disaster-affected communities, both in terms of basic needs
and post-disaster recovery. The distributed aid focused on meeting
urgent needs, such as logistical packages, health supplies, and other
necessary support to help ease the burden on survivors. Distribution
through an institution with a network of volunteers and a verified
distribution system ensured that aid reached its intended recipients
promptly and transparently.
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Laporan
Manajemen
Management Report
Pertumbuhan yang dicapai sepanjang tahun 2025
mencerminkan arah strategi yang terukur dan disiplin
eksekusi yang konsisten, di mana OK BANK tidak
hanya memperkuat kinerja finansial, tetapi juga
membangun fondasi bisnis yang lebih resilien, adaptif,
dan berkelanjutan dalam menghadapi dinamika industri
perbankan yang semakin kompleks.
The growth achieved throughout 2025 reflects
a well-measured strategic direction and consistent
execution discipline, where OK BANK not only
strengthened its financial performance but also built
a more resilient, adaptive, and sustainable business
foundation in facing the increasingly complex dynamics
of the banking industry.
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LAPORAN MANAJEMEN
Management Report
Laporan Dewan Komisaris
Board of Commissioners’ Report
Sang Ton Sim
Komisaris Utama
President Commissioner
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PT Bank Oke Indonesia, Tbk.
Para Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Shareholders and Stakeholders,
Dewan Komisaris menilai bahwa kinerja OK BANK pada tahun 2025 mencerminkan pertumbuhan
yang solid yang diiringi dengan penguatan tata kelola, disiplin manajemen risiko, serta
peningkatan integrasi prinsip keberlanjutan dalam pengambilan keputusan strategis, sebagai
fondasi dalam membangun ketahanan dan nilai jangka panjang OK BANK.
The Board of Commissioners considers that OK BANK’s performance in 2025 reflects solid
growth accompanied by strengthened governance, disciplined risk management, and increased
integration of sustainability principles in strategic decision-making, serving as the foundation
for building OK BANK’s resilience and long-term value.
Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha We extend our praise and gratitude to the Almighty God for
Esa atas kinerja OK BANK sepanjang tahun 2025 yang tetap OK BANK’s performance throughout 2025, which continued
menunjukkan ketahanan dan pertumbuhan yang positif di to demonstrate resilience and positive growth amid complex
tengah dinamika ekonomi global dan domestik yang kompleks. global and domestic economic dynamics. A business
Lingkungan usaha yang diwarnai oleh ketidakpastian environment marked by geopolitical uncertainty and monetary
geopolitik serta penyesuaian kebijakan moneter di berbagai policy adjustments across various countries has posed distinct
negara telah memberikan tantangan tersendiri bagi industri challenges for the banking industry. Amid these dynamics,
perbankan. Di tengah dinamika tersebut, Dewan Komisaris the Board of Commissioners has continued to carry out its
terus menjalankan fungsi pengawasan secara aktif, supervisory function actively, independently, and consistently
independen, dan berkesinambungan untuk memastikan bahwa to ensure that the management of OK BANK is conducted in
pengelolaan OK BANK dilakukan secara selaras dengan prinsip line with prudential principles, good corporate governance,
kehati-hatian, tata kelola yang baik, serta arah strategis jangka and long-term strategic direction. The oversight performed
panjang. Pengawasan yang dilakukan tidak hanya mencakup encompasses not only financial performance but also the
aspek kinerja keuangan, tetapi juga efektivitas implementasi effectiveness of strategy implementation, the adequacy of risk
strategi, kecukupan manajemen risiko, serta integrasi aspek management, and the integration of sustainability aspects in
keberlanjutan dalam pengambilan keputusan. decision-making.
Tinjauan Perekonomian dan Overview of Economic Condition and
Industri Perbankan Banking Industry
Dewan Komisaris memandang bahwa sepanjang tahun 2025, The Board of Commissioners observes that throughout
perekonomian global masih diwarnai oleh tingkat 2025, the global economy remained characterized by a high
ketidakpastian yang tinggi akibat dinamika geopolitik level of uncertainty driven by geopolitical dynamics and
dan kebijakan perdagangan yang semakin proteksionis. increasingly protectionist trade policies. The fragmentation
Fragmentasi perdagangan global serta meningkatnya of global trade and heightened financial market volatility
volatilitas pasar keuangan memberikan tekanan terhadap had exerted pressure on economic stability and global
stabilitas ekonomi dan arus investasi global. Meskipun investment flows. Nevertheless, global economic growth
demikian, pertumbuhan ekonomi global tetap berada pada remained at approximately 3.3%, with inflation gradually
kisaran 3,3% dengan inflasi yang mulai menurun menuju declining to 4.1%, reflecting a relatively controlled adjustment
4,1%, mencerminkan adanya proses penyesuaian yang relatif process. These conditions require the banking industry to be
terkendali. Kondisi ini menuntut industri perbankan untuk increasingly adaptive in managing liquidity risk, interest rates,
semakin adaptif dalam mengelola risiko likuiditas, suku bunga, and market volatility.
dan volatilitas pasar.
Di tengah kondisi tersebut, perekonomian Indonesia Amid these conditions, Indonesia’s economy demonstrated
menunjukkan ketahanan yang solid dengan pertumbuhan solid resilience, growing by 5.11%, supported by strong
sebesar 5,11%, didukung oleh konsumsi domestik yang kuat domestic consumption and increased investment activity.
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serta peningkatan aktivitas investasi. Stabilitas makroekonomi Macroeconomic stability, as reflected in controlled inflation
yang tercermin dari inflasi yang terkendali dan kebijakan and accommodative monetary policy, including BI Rate
moneter yang akomodatif, termasuk penurunan BI-Rate cut to 4.75%, provided room for the banking sector to
menjadi 4,75%, memberikan ruang bagi sektor perbankan continue performing its intermediation function optimally.
untuk tetap menjalankan fungsi intermediasi secara optimal. A relatively balanced economic structure had also supported
Struktur ekonomi yang relatif seimbang juga menjadi faktor the maintenance of sustainable growth momentum.
pendukung dalam menjaga momentum pertumbuhan yang
berkelanjutan.
Sejalan dengan perkembangan tersebut, industri perbankan In line with these developments, the national banking industry
nasional tetap menunjukkan kinerja yang sehat dengan continued to exhibit sound performance, with credit growth of
pertumbuhan kredit sekitar 9,63%, rasio likuiditas AL/DPK around 9.63%, AL/DPK liquidity ratio of 28.57%, and an LDR of
sebesar 28,57%, serta LDR sebesar 85,35%. Kualitas aset 85.35%. Asset quality remained well maintained, with the NPL
tetap terjaga dengan rasio NPL pada level yang terkendali, ratio at a controlled level, while strong industry capitalization
sementara permodalan industri yang kuat tercermin dari rasio was reflected in a CAR ratio well above the minimum
CAR yang berada jauh di atas ketentuan minimum. Dewan requirement. The Board of Commissioners also noted that
Komisaris juga mencermati bahwa akselerasi digitalisasi, the acceleration of digitalization, including the growth of
termasuk pertumbuhan transaksi QRIS dan BI-FAST, telah QRIS and BI-FAST transactions, has become a key driver in
menjadi pendorong utama dalam meningkatkan efisiensi improving efficiency and expanding financial inclusion, while
dan memperluas inklusi keuangan, sekaligus mendorong also encouraging a shift in banking business models toward
perubahan model bisnis perbankan ke arah yang lebih a more technology-based approach.
berbasis teknologi.
Pelaksanaan Fungsi Pengawasan dan Implementation of the Supervisory
Pemberian Nasihat Dewan Komisaris dalam and Advisory Functions of the Board of
Perumusan dan Implementasi Strategi Bank Commissioners in the Formulation and
Implementation of the Bank’s Strategy
Dalam menjalankan fungsi pengawasan, Dewan Komisaris In carrying out its supervisory function, the Board of
memastikan bahwa seluruh proses perumusan strategi Commissioners ensures that all strategic formulation
yang dilakukan Direksi telah mempertimbangkan secara processes undertaken by the Board of Directors have
komprehensif kondisi makroekonomi, dinamika industri comprehensively considered macroeconomic conditions,
perbankan, serta profil risiko OK BANK. Dewan Komisaris banking industry dynamics, and OK BANK’s risk profile.
secara aktif memberikan arahan strategis melalui forum The Board of Commissioners actively provides strategic
rapat gabungan dan pembahasan berkala dengan Direksi, direction through joint meetings and regular discussions with
khususnya dalam memastikan bahwa arah kebijakan yang the Board of Directors, particularly to ensure that the policies
ditetapkan tidak hanya berorientasi pada pertumbuhan, tetapi established are not only growth-oriented but also grounded in
juga memiliki landasan manajemen risiko yang kuat serta strong risk management and aligned with prudential principles.
selaras dengan prinsip kehati-hatian. Fokus perhatian Dewan The Board of Commissioners’ focus during the strategy
Komisaris dalam tahap perumusan strategi mencakup kualitas formulation stage includes the quality of credit expansion
perencanaan ekspansi kredit, ketahanan struktur pendanaan, planning, the resilience of the funding structure, the readiness
kesiapan infrastruktur digital, serta kemampuan dalam of digital infrastructure, and the ability to anticipate regulatory
mengantisipasi perubahan regulasi dan ekspektasi pemangku changes and stakeholder expectations, including those related
kepentingan, termasuk terkait aspek keberlanjutan. to sustainability aspects.
Dalam pengawasan implementasi strategi, Dewan Komisaris In overseeing the implementation of strategy, the Board of
melakukan pemantauan secara berkelanjutan melalui Commissioners conducts continuous monitoring through
mekanisme evaluasi periodik terhadap pelaksanaan rencana periodic evaluation mechanisms of the Company’s work
kerja dan anggaran Perseroan. Pengawasan tersebut plan and budget execution. Such supervision focuses on
difokuskan pada konsistensi antara strategi yang dirumuskan the consistency between the formulated strategies and
dengan implementasi di tingkat operasional, termasuk their implementation at the operational level, including
efektivitas kebijakan yang diterapkan, kejelasan indikator the effectiveness of the policies applied, the clarity of
kinerja, serta kualitas pengendalian internal dalam mendukung performance indicators, and the quality of internal controls in
pelaksanaan strategi. Dewan Komisaris juga menaruh supporting strategy execution. The Board of Commissioners
perhatian pada kecukupan sistem pelaporan manajemen yang also places attention on the adequacy of the management
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digunakan Direksi, guna memastikan bahwa informasi yang reporting system utilized by the Board of Directors to ensure
disampaikan mencerminkan kondisi yang aktual dan dapat that the information presented reflects actual conditions and
digunakan sebagai dasar pengambilan keputusan yang tepat. can serve as a reliable basis for sound decision-making.
Penilaian atas Kinerja Direksi Assessment of the Board of Directors’
Performance
Dewan Komisaris menilai bahwa Direksi telah menunjukkan The Board of Commissioners assesses that the Board of
kinerja yang sangat baik sepanjang tahun 2025, yang tercermin Directors delivered an excellent performance throughout 2025,
dari pencapaian indikator keuangan utama yang melampaui as reflected in the achievement of key financial indicators
target yang telah ditetapkan. Pertumbuhan kredit sebesar that exceeded the established targets. Credit growth of
15,43% menjadi Rp10,73 triliun, simpanan nasabah 19,89% 15.43% to Rp10.73 trillion, customer deposits increasing by
menjadi Rp8,17 triliun, laba bersih 220,03% menjadi Rp159,98 19.89% to Rp8.17 trillion, and net profit surging by 220.03%
miliar, menunjukkan efektivitas strategi yang dijalankan. to Rp159.98 billion demonstrate the effectiveness of
Pencapaian tersebut mencerminkan kemampuan Direksi the strategies implemented. These achievements reflect
dalam mengelola momentum pertumbuhan secara optimal, the Board of Directors’ ability to optimally manage growth
khususnya dalam memanfaatkan peluang intermediasi momentum, particularly in capturing intermediation
di tengah kondisi likuiditas industri yang kompetitif serta opportunities amid competitive industry liquidity conditions
dinamika suku bunga yang masih menantang. and still-challenging interest rate dynamics.
Dari perspektif kualitas kinerja, Dewan Komisaris memandang From a performance quality perspective, the Board of
bahwa Direksi telah mampu menjaga keseimbangan antara Commissioners views that the Board of Directors has been
ekspansi bisnis dan pengelolaan risiko secara prudent. Hal ini able to maintain a balance between business expansion and
tercermin dari stabilitas kualitas aset dengan rasio NPL yang prudent risk management. This is reflected in the stability of
tetap terjaga, serta peningkatan rasio profitabilitas seperti ROA asset quality, with the NPL ratio remaining well controlled,
menjadi 1,70% dan ROE menjadi 4,35%, yang menunjukkan as well as improvements in profitability ratios such as ROA
adanya perbaikan kualitas aset produktif dan efisiensi to 1.70% and ROE to 4.35%, indicating enhanced quality
penggunaan modal. Selain itu, peningkatan NIM menjadi of earning assets and more efficient capital utilization. In
5,67% serta perbaikan efisiensi operasional menunjukkan addition, the increase in NIM to 5.67% and improvements in
bahwa Direksi tidak hanya berfokus pada pertumbuhan operational efficiency indicate that the Board of Directors is
volume, tetapi juga pada peningkatan kualitas pendapatan not only focused on volume growth but also on enhancing
dan pengelolaan biaya secara disiplin. Dewan Komisaris juga income quality and maintaining disciplined cost management.
menilai bahwa penguatan struktur pendanaan dan permodalan The Board of Commissioners also notes that the strengthening
telah memberikan ruang yang memadai bagi OK BANK untuk of the funding and capital structure has provided adequate
mendukung ekspansi yang berkelanjutan. room for OK BANK to support sustainable expansion.
Secara keseluruhan, Dewan Komisaris memandang bahwa Overall, the Board of Commissioners believes that the Board
kinerja Direksi pada tahun 2025 telah menunjukkan kemajuan of Directors’ performance in 2025 had shown significant
yang signifikan baik dari sisi pertumbuhan maupun kualitas progress in terms of both growth and performance quality.
kinerja. Namun demikian, Dewan Komisaris menekankan bahwa Nevertheless, the Board of Commissioners emphasizes that
keberlanjutan kinerja tersebut akan sangat bergantung pada the sustainability of such performance will largely depend on
kemampuan Direksi dalam menjaga disiplin eksekusi strategi, the Board of Directors’ ability to maintain disciplined execution
memperkuat fondasi manajemen risiko, serta mengantisipasi of strategies, strengthen the foundations of risk management,
perubahan lingkungan usaha secara lebih proaktif dan terstruktur. and anticipate changes in the business environment in a more
Dengan penguatan pada aspek-aspek tersebut, Dewan Komisaris proactive and structured manner. By strengthening these
meyakini bahwa Direksi akan mampu mempertahankan areas, the Board of Commissioners is confident that the Board
momentum pertumbuhan sekaligus meningkatkan ketahanan of Directors will be able to sustain growth momentum while
bisnis Perseroan di masa yang akan datang. enhancing the Company’s business resilience in the future.
Pandangan atas Prospek Usaha Overview on Business Prospects Prepared by
yang Disusun Direksi the Board of Directors
Dewan Komisaris memandang bahwa prospek usaha OK BANK The Board of Commissioners views that OK BANK’s business
pada tahun 2026 tetap menunjukkan potensi pertumbuhan prospects in 2026 continue to demonstrate positive growth
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yang positif, seiring dengan proyeksi pertumbuhan ekonomi potential, in line with projected national economic growth
nasional yang didukung oleh permintaan domestik yang supported by stable domestic demand and increased
stabil serta peningkatan aktivitas ekonomi di berbagai sektor. economic activity across various sectors. These conditions
Kondisi tersebut memberikan ruang bagi industri perbankan provide room for the banking industry to continue performing
untuk terus menjalankan fungsi intermediasi secara optimal, its intermediation function optimally, particularly in supporting
khususnya dalam mendukung pembiayaan sektor-sektor financing for productive sectors that are resilient to economic
produktif yang memiliki daya tahan terhadap dinamika dynamics. In this context, the Board of Commissioners
ekonomi. Dalam konteks ini, Dewan Komisaris menilai bahwa assesses that growth opportunities for OK BANK remain
peluang pertumbuhan bagi OK BANK masih terbuka, terutama open, particularly through strengthening a selective financing
melalui penguatan portofolio pembiayaan yang selektif, portfolio, improving the quality of earning assets, and managing
peningkatan kualitas aset produktif, serta pengelolaan struktur a more efficient and sustainable funding structure.
pendanaan yang lebih efisien dan berkelanjutan.
Namun demikian, Dewan Komisaris menekankan bahwa Nevertheless, the Board of Commissioners emphasizes that
dinamika eksternal yang semakin kompleks memerlukan increasingly complex external dynamics require the Board of
kesiapan Direksi dalam mengantisipasi berbagai risiko yang Directors to be well-prepared in anticipating various risks that
berpotensi memengaruhi kinerja OK BANK. Volatilitas nilai may affect OK BANK’s performance. Exchange rate volatility,
tukar, tekanan terhadap biaya, serta dinamika suku bunga cost pressures, and interest rate dynamics that remain less
yang belum sepenuhnya optimal dapat memberikan tekanan than optimal may put pressure on margins and the quality
terhadap margin dan kualitas portofolio pembiayaan. Selain of the financing portfolio. In addition, the potential increase
itu, potensi peningkatan risiko pada segmen konsumsi in risks within the consumer and MSME segments also
dan UMKM juga perlu menjadi perhatian, mengingat requires attention, considering their sensitivity to changes
sensitivitas segmen tersebut terhadap perubahan kondisi in economic conditions. In addressing these challenges,
ekonomi. Dalam menghadapi hal tersebut, Direksi perlu the Board of Directors needs to strengthen a more
memperkuat pendekatan berbasis manajemen risiko secara comprehensive risk management-based approach, including
lebih komprehensif, termasuk peningkatan kualitas analisis improving the quality of credit analysis, enhancing early
kredit, penguatan mekanisme early warning system, serta warning system mechanisms, and optimizing liquidity
optimalisasi pengelolaan likuiditas dan struktur pendanaan management and funding structure to remain within controlled
agar tetap berada dalam koridor risiko yang terkendali. risk parameters.
Dewan Komisaris juga memandang bahwa ke depan Direksi The Board of Commissioners also views that, in the future,
perlu mempersiapkan organisasi untuk menghadapi perubahan the Board of Directors needs to prepare the organization to face
struktural industri yang semakin menuntut keseimbangan structural changes in the industry that increasingly demand
antara pertumbuhan dan ketahanan. Penguatan kapasitas a balance between growth and resilience. Strengthening
organisasi, peningkatan kualitas sumber daya manusia, organizational capacity, improving the quality of human
serta penyempurnaan proses bisnis dan tata kelola menjadi resources, and refining business processes and governance
faktor penting dalam menjaga daya saing OK BANK. Selain are key factors in maintaining OK BANK’s competitiveness.
itu, integrasi aspek ESG ke dalam kerangka manajemen risiko Additionally, the integration of ESG aspects into the risk
dan pengambilan keputusan bisnis perlu terus dipercepat, management framework and business decision-making needs
termasuk dalam mengantisipasi risiko perubahan iklim yang to be further accelerated, including in anticipating climate
dapat berdampak pada kualitas portofolio pembiayaan serta change risks that may affect the quality of the financing
keberlanjutan usaha nasabah. Dengan penguatan pada portfolio and the sustainability of customers’ businesses. With
aspek-aspek tersebut, Dewan Komisaris meyakini bahwa these enhancements, the Board of Commissioners believes
Perseroan memiliki kapasitas untuk mempertahankan that the Company has the capacity to sustain its growth
momentum pertumbuhan sekaligus meningkatkan ketahanan momentum while strengthening its business resilience in
bisnis secara berkelanjutan. a sustainable manner.
Pandangan atas Penerapan Tata Kelola Overview on the Implementation of Good
Perusahaan yang Baik Corporate Governance
Dewan Komisaris menilai bahwa penerapan Tata Kelola The Board of Commissioners assesses that the implementation
Perusahaan yang Baik (Good Corporate Governance/GCG) of Good Corporate Governance (GCG) at OK BANK has been
di OK BANK telah berjalan secara efektif dan konsisten, serta carried out effectively and consistently, serving as a main
menjadi fondasi utama dalam menjaga keberlangsungan foundation in maintaining a sound and sustainable business.
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usaha yang sehat dan berkelanjutan. Struktur tata kelola A clear governance structure, with a well-defined separation of
yang jelas, dengan pemisahan fungsi yang tegas antara roles between the Board of Commissioners and the Board of
Dewan Komisaris dan Direksi, serta didukung oleh peran Directors, supported by the active roles of committees under
aktif komite-komite di bawah Dewan Komisaris dan Direksi, both the Board of Commissioners and the Board of Directors,
telah memastikan bahwa proses pengambilan keputusan has ensured that strategic decision-making processes are
strategis dilakukan secara transparan, akuntabel, dan conducted in a transparent, accountable manner and based
berbasis pada prinsip kehati-hatian. Dewan Komisaris juga on prudential principles. The Board of Commissioners also
mencermati bahwa mekanisme rapat dan pelaporan telah observes that meeting and reporting mechanisms have been
berjalan secara memadai, sehingga memungkinkan fungsi adequately implemented, enabling supervisory functions
pengawasan dilakukan secara tepat waktu dan berbasis to be carried out in a timely manner and based on relevant
informasi yang relevan. information.
Dari sisi implementasi, Dewan Komisaris memandang bahwa In terms of implementation, the Board of Commissioners views
integrasi antara tata kelola, manajemen risiko, dan sistem that the integration of governance, risk management, and
pengendalian internal telah berjalan dengan baik, khususnya internal control systems has been well established, particularly
melalui penerapan prinsip three lines of defense yang through the application of the three lines of defense principle,
memberikan kejelasan peran antara fungsi operasional, fungsi which provides clear delineation of roles among operational
pengendalian risiko dan kepatuhan, serta fungsi assurance functions, risk management and compliance functions,
independen. Kerangka ini dinilai telah mendukung pengelolaan and independent assurance functions. This framework
risiko secara menyeluruh, termasuk dalam menjaga kualitas is considered to have supported comprehensive risk
aset, stabilitas operasional, serta kepatuhan terhadap management, including maintaining asset quality, operational
ketentuan regulator. Dalam konteks pelaporan keuangan, stability, and compliance with regulatory requirements. In
Dewan Komisaris menilai bahwa penerapan Internal Control the context of financial reporting, the Board of Commissioners
over Financial Reporting (ICoFR) telah berjalan secara efektif assesses that the implementation of Internal Control over
dalam memastikan keandalan, akurasi, dan transparansi Financial Reporting (ICoFR) has been effective in ensuring
Laporan Keuangan OK BANK. Proses pengendalian yang the reliability, accuracy, and transparency of OK BANK’s
dijalankan telah memberikan keyakinan bahwa potensi risiko Financial Statements. The control processes in place have
kesalahan penyajian Laporan Keuangan dapat dimitigasi provided assurance that the risk of material misstatement
secara memadai. Selain itu, mekanisme pengendalian in the Financial Statements can be adequately mitigated. In
preventif serta pengawasan turut memperkuat integritas addition, preventive control mechanisms and oversight have
pelaporan keuangan. further strengthened the integrity of financial reporting.
Pandangan atas Penerapan Tata Kelola Overview on the Implementation of
Teknologi Informasi Information Technology Governance
Dewan Komisaris memandang bahwa tata kelola teknologi The Board of Commissioners observes that information
informasi telah berkembang menjadi salah satu pilar technology governance has evolved into a strategic pillar in
strategis dalam mendukung transformasi bisnis OK BANK, supporting OK BANK’s business transformation, particularly in
khususnya dalam merespons perubahan model bisnis industri responding to the increasingly digital-based business model
perbankan yang semakin berbasis digital. Penyusunan of the banking industry. The development of an information
roadmap pengembangan teknologi informasi yang terintegrasi technology roadmap that is integrated with the Bank’s
dengan strategi bisnis menunjukkan bahwa Direksi telah business strategy indicates that the Board of Directors has
memiliki arah yang jelas dalam mengembangkan kapabilitas established a clear direction in building digital capabilities,
digital, baik dari sisi peningkatan layanan kepada nasabah both in enhancing customer services and improving internal
maupun efisiensi operasional internal. Dewan Komisaris operational efficiency. The Board of Commissioners views that
mencermati bahwa pengembangan sistem dan aplikasi, the development of systems and applications, including in
termasuk pada area layanan digital dan proses kredit, telah digital services and credit processes, has become an important
menjadi bagian penting dalam meningkatkan daya saing element in strengthening OK BANK’s competitiveness amid
OK BANK di tengah dinamika industri yang semakin an increasingly dynamic and competitive industry. The Board
kompetitif. Dewan Komisaris menilai bahwa peningkatan of Commissioners also notes that the growing reliance on
ketergantungan pada sistem digital juga meningkatkan digital systems increases exposure to operational and
eksposur risiko operasional dan reputasi, sehingga memerlukan reputational risks, thereby requiring stronger and more
penguatan kontrol yang lebih ketat dan berkelanjutan. sustainable control measures.
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Dari perspektif pengelolaan risiko, Dewan Komisaris menilai From a risk management perspective, the Board of
bahwa langkah-langkah penguatan keamanan siber yang Commissioners assesses that the cybersecurity enhancement
dilakukan OK BANK telah menunjukkan kemajuan dan berada measures undertaken by OK BANK have shown progress and
di atas ekspektasi dalam kondisi pasar yang menantang. exceeded expectations amid challenging market conditions.
Implementasi berbagai inisiatif serta pengujian keamanan The implementation of various initiatives and regular security
secara berkala telah meningkatkan kemampuan OK BANK testing has strengthened OK BANK’s ability to detect,
dalam mendeteksi, merespons, dan memitigasi potensi respond to, and mitigate increasingly complex cyber threats.
ancaman siber yang semakin kompleks. Dewan Komisaris juga The Board of Commissioners also emphasizes the importance
menekankan pentingnya penguatan aspek tata kelola data of strengthening data governance and customer privacy
dan perlindungan privasi nasabah, mengingat meningkatnya protection, given the rising risk exposure alongside the growth
eksposur risiko seiring dengan pertumbuhan transaksi digital of digital transactions and broader system integration. In this
dan integrasi sistem yang lebih luas. Dalam hal ini, kecukupan regard, the adequacy of policies, procedures, and oversight of
kebijakan, prosedur, serta pengawasan terhadap implementasi implementation at the operational level remains a key area of
di tingkat operasional menjadi faktor yang terus menjadi focus.
perhatian.
Dewan Komisaris juga mendorong Direksi untuk memperkuat The Board of Commissioners also encourages the Board of
kerangka manajemen risiko teknologi informasi secara Directors to further strengthen the information technology risk
lebih komprehensif, termasuk dalam mengantisipasi risiko management framework in a more comprehensive manner,
operasional akibat ketergantungan pada sistem digital serta including in anticipating operational risks arising from reliance
potensi gangguan layanan. Dengan penguatan tersebut, on digital systems as well as potential service disruptions.
OK BANK diharapkan tidak hanya mampu memanfaatkan By strengthening these aspects, OK BANK is expected not only
peluang digitalisasi secara optimal, tetapi juga menjaga to optimally leverage digitalization opportunities but also to
ketahanan operasional dan kepercayaan pemangku maintain operational resilience and sustain stakeholder trust
kepentingan secara berkelanjutan. over the long term.
Pandangan atas Penerapan Keuangan Overview on the Implementation of
Berkelanjutan Sustainable Finance
Dewan Komisaris menilai bahwa OK BANK telah menunjukkan The Board of Commissioners assesses that OK BANK has
komitmen yang semakin terstruktur dalam penerapan demonstrated an increasingly structured commitment to
keuangan berkelanjutan, khususnya melalui implementasi the implementation of sustainable finance, particularly
Rencana Aksi Keuangan Berkelanjutan (RAKB) sebagai through the implementation of the Sustainable Finance
kerangka strategis dan operasional. Komitmen tersebut Action Plan (RAKB) as a strategic and operational framework.
tercermin dari realisasi penyaluran pembiayaan pada This commitment is reflected in the realization of financing
sektor-sektor yang mendukung keberlanjutan, termasuk disbursements to sectors that support sustainability, including
pembiayaan UMKM serta sektor lingkungan seperti pengelolaan MSME financing as well as environmental sectors such as
sumber daya alam hayati dan konservasi keanekaragaman the management of biological natural resources and
hayati. Dewan Komisaris memandang bahwa langkah ini tidak biodiversity conservation. The Board of Commissioners
hanya mencerminkan kepatuhan terhadap ketentuan regulator, considers that this initiative not only reflects compliance with
tetapi juga merupakan upaya awal dalam mengarahkan regulatory requirements but also represents an initial effort
portofolio pembiayaan ke sektor-sektor yang memiliki dampak to steer the financing portfolio toward sectors that generate
ekonomi, sosial, dan lingkungan yang lebih positif. Dari sisi more positive economic, social, and environmental impacts.
operasional, berbagai inisiatif efisiensi penggunaan sumber From an operational perspective, various resource efficiency
daya, seperti pengurangan konsumsi energi, optimalisasi initiatives, such as reducing energy consumption, optimizing
penggunaan kertas, serta pengurangan plastik sekali pakai, paper usage, and minimizing single-use plastics, demonstrate
menunjukkan komitmen OK BANK dalam menurunkan jejak OK BANK’s commitment to lowering its environmental footprint.
lingkungan. Selain itu, pelaksanaan program literasi dan inklusi In addition, the implementation of financial literacy and
keuangan serta kegiatan tanggung jawab sosial perusahaan inclusion programs, as well as corporate social responsibility
mencerminkan peran aktif OK BANK dalam memperluas akses activities, reflects OK BANK’s active role in expanding financial
keuangan dan meningkatkan kesejahteraan masyarakat. access and improving community welfare.
Lebih lanjut, Dewan Komisaris memandang bahwa tantangan Furthermore, the Board of Commissioners views that, in
utama ke depan tidak hanya terletak pada peningkatan volume the future, the main challenge lies not only in increasing
pembiayaan berkelanjutan, tetapi juga pada penguatan the volume of sustainable financing but also in strengthening
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integrasi aspek ESG ke dalam kerangka manajemen risiko dan the integration of ESG aspects into the risk management
pengambilan keputusan bisnis. Direksi perlu mempercepat framework and business decision-making processes.
pengembangan metodologi untuk mengidentifikasi, mengukur, The Board of Directors needs to accelerate the development
dan memantau risiko perubahan iklim, baik risiko fisik maupun of methodologies to identify, measure, and monitor
transisi, yang berpotensi memengaruhi kualitas portofolio climate-related risks, both physical and transition risks,
pembiayaan. Sejalan dengan perkembangan regulasi dan which may affect the quality of the financing portfolio. In
praktik global, Dewan Komisaris juga mendorong implementasi line with evolving regulations and global practices, the Board
standar pelaporan keberlanjutan berbasis IFRS S1 dan IFRS S2. of Commissioners also encourages the implementation of
Dengan langkah-langkah tersebut, Dewan Komisaris meyakini sustainability reporting standards based on IFRS S1 and IFRS
bahwa OK BANK tidak hanya mampu memenuhi ekspektasi S2. Through these measures, the Board of Commissioners
regulator dan pemangku kepentingan, tetapi juga memperkuat believes that OK BANK will not only be able to meet
kualitas portofolio serta akses terhadap sumber pendanaan the expectations of regulators and stakeholders but also
di masa depan sebagai bagian dari transisi menuju ekonomi strengthen portfolio quality and access to funding sources in
yang lebih berkelanjutan. the future as part of the transition toward a more sustainable
economy.
Penutup dan Apresiasi Closing and Appreciation
Sebagai penutup, Dewan Komisaris menyampaikan apresiasi As a closing remark, the Board of Commissioners extends its
kepada Direksi atas kinerja yang telah dicapai sepanjang appreciation to the Board of Directors for the performance
tahun 2025, khususnya dalam menjaga pertumbuhan yang achieved throughout 2025, particularly in maintaining
sehat dan pengelolaan risiko yang prudent. Dewan Komisaris healthy growth and prudent risk management. The Board
juga mengapresiasi seluruh karyawan atas kontribusi dan of Commissioners also expresses its appreciation to all
dedikasi yang telah diberikan. Ucapan terima kasih kami employees for their contributions and dedication. We would
sampaikan kepada Pemegang Saham, regulator, nasabah, like to convey our gratitude to the Shareholders, regulators,
serta seluruh pemangku kepentingan atas kepercayaan yang customers, and all stakeholders for the trust placed in
diberikan kepada Perseroan. Dengan sinergi yang kuat dan the Company. With strong synergy and a commitment to
komitmen terhadap tata kelola, inovasi, dan keberlanjutan, governance, innovation, and sustainability, the Board of
Dewan Komisaris optimis bahwa OK BANK akan terus Commissioners remains optimistic that OK BANK will continue
memperkuat kinerja dan menciptakan nilai berkelanjutan di to strengthen its performance and create sustainable value in
masa mendatang. the future.
Atas nama Dewan Komisarisi
On behalf of the Board of Commissioners
PT Bank Oke Indonesia, Tbk.
Sang Ton Sim
Komisaris Utama
President Commissioner
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Laporan Direksi [POJK D.1]
Board of Directors’ Report
Kang Bong Joo
Direktur Utama
President Director
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Para Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Shareholders and Stakeholders,
Sepanjang tahun 2025, OK BANK mengarahkan pertumbuhan secara terukur melalui penguatan
fundamental bisnis, percepatan inovasi berbasis digital, serta integrasi prinsip keberlanjutan
ke dalam strategi dan operasional, guna menciptakan kinerja yang berkualitas, resilien, dan
berorientasi jangka panjang.
Throughout 2025, OK BANK directed its growth in a measured manner through strengthening
business fundamentals, accelerating digital-based innovation, and integrating sustainability
principles into its strategy and operations, in order to create high-quality, resilient, and
long-term-oriented performance.
Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha We extend our praise and gratitude to Almighty God for His
Esa atas limpahan rahmat dan karunia-Nya, sehingga OK BANK blessings and grace, which have enabled OK BANK to carry
dapat menjalankan kegiatan usaha sepanjang tahun 2025 out its business activities throughout 2025 effectively, amid
dengan baik di tengah dinamika ekonomi global dan domestik global and domestic economic dynamics that continue to
yang masih diwarnai ketidakpastian. Tekanan eksternal akibat be marked by uncertainty. External pressures arising from
fragmentasi perdagangan global serta kebijakan moneter global trade fragmentation and adaptive monetary policies
yang adaptif di berbagai negara menjadi tantangan tersendiri across various countries became unique challenges for the
bagi industri perbankan, namun di sisi lain juga membuka banking industry; however, they also created opportunities
peluang bagi penguatan intermediasi dan transformasi digital for strengthening intermediation and accelerating digital
yang semakin cepat. Dalam konteks tersebut, OK BANK transformation. In this context, OK BANK has directed its
mengarahkan strategi secara adaptif dengan tetap menjaga strategy in an adaptive manner while upholding prudential
prinsip kehati-hatian, memperkuat fondasi bisnis, serta principles, strengthening its business foundations, and
mengintegrasikan aspek keberlanjutan ke dalam pengelolaan integrating sustainability aspects into performance
kinerja. Pendekatan ini memastikan bahwa setiap strategi management. This approach ensures that every strategy
yang dijalankan tidak hanya menghasilkan kinerja jangka implemented not only delivers short-term performance but
pendek, tetapi juga memperkuat ketahanan bisnis dalam also reinforces business resilience in the medium term and
jangka menengah serta menciptakan nilai berkelanjutan creates long-term sustainable value through the optimization
dalam jangka panjang melalui optimalisasi seluruh modal of all of OK BANK’s capital and competitive advantages.
dan keunggulan OK BANK.
Tinjauan Makroekonomi dan Industri Overview of Macroeconomic and Banking
Perbankan Tahun 2025 Industry in 2025
Perekonomian global sepanjang tahun 2025 masih diwarnai The global economy throughout 2025 continued to face
tingkat ketidakpastian yang tinggi akibat dinamika geopolitik high levels of uncertainty due to geopolitical dynamics and
dan kebijakan perdagangan yang semakin proteksionis. increasingly protectionist trade policies. The implementation
Penerapan kebijakan tarif impor oleh Amerika Serikat yang of import tariff policies by the United States, known as
dikenal sebagai “Liberation Day” memicu respons balasan “Liberation Day,” triggered retaliatory responses from several
dari sejumlah negara besar dan memperdalam fragmentasi major countries and deepened global trade fragmentation,
perdagangan global, sehingga menekan kepercayaan pelaku thereby putting pressure on business confidence and
usaha serta meningkatkan volatilitas pasar keuangan. increasing financial market volatility. Nevertheless, global
Meskipun demikian, pertumbuhan ekonomi global tetap economic growth remained resilient, with a projected growth of
menunjukkan ketahanan dengan proyeksi sebesar 3,3%, 3.3%, supported by technology-driven investments, relatively
didukung oleh investasi berbasis teknologi, kebijakan fiskal accommodative fiscal and monetary policies, and private
dan moneter yang relatif akomodatif, serta adaptasi sektor sector adaptation. On the other hand, global inflation began to
swasta. Di sisi lain, inflasi global mulai mereda menuju ease toward approximately 4.1%, although the normalization
kisaran 4,1% meskipun proses normalisasi berlangsung tidak process remained uneven, prompting global central banks to
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merata, sehingga mendorong bank sentral global untuk tetap remain cautious in determining the direction of interest rate
berhati-hati dalam menentukan arah kebijakan suku bunga. policies.
Di tengah dinamika global tersebut, perekonomian Indonesia Amid these global dynamics, Indonesia’s economy managed
mampu mempertahankan kinerja yang solid dengan to maintain solid performance by recording growth of 5.11%
pertumbuhan sebesar 5,11% pada tahun 2025, meningkat in 2025, an increase from 5.03% in the previous year. This
dibandingkan tahun sebelumnya sebesar 5,03%. Pertumbuhan growth was driven by strong domestic demand, particularly
ini ditopang oleh permintaan domestik yang kuat, khususnya household consumption, which contributed more than half of
konsumsi rumah tangga yang berkontribusi lebih dari separuh GDP, and was further supported by increased investment and
PDB, serta didukung oleh peningkatan investasi dan ekspor. exports. The national economic structure remained relatively
Struktur ekonomi nasional relatif stabil dengan sektor industri stable, with the manufacturing, trade, and agriculture sectors
pengolahan, perdagangan, dan pertanian sebagai kontributor as the main contributors. Macroeconomic stability was also
utama. Stabilitas makroekonomi juga tetap terjaga, tercermin well maintained, as reflected in inflation within the target range,
dari inflasi yang berada dalam kisaran sasaran, nilai tukar yang a stable exchange rate, and accommodative monetary policy
terkendali, serta kebijakan moneter yang akomodatif melalui through the reduction of the BI Rate to 4.75% at year-end.
penurunan BI-Rate menjadi 4,75% pada akhir tahun. Kondisi These conditions reflect the resilience of domestic economic
ini mencerminkan ketahanan fundamental ekonomi domestik fundamentals in sustaining growth momentum.
dalam menjaga momentum pertumbuhan yang berkelanjutan.
Sejalan dengan kondisi tersebut, industri perbankan nasional In line with these conditions, the national banking industry
menunjukkan kinerja yang tetap solid dengan pertumbuhan continued to demonstrate solid performance, marked by
intermediasi yang positif serta tingkat stabilitas yang terjaga. positive intermediation growth and maintained stability.
Likuiditas industri berada pada level yang memadai dengan Industry liquidity remained at an adequate level, with
rasio AL/DPK sebesar 28,57% dan LDR sebesar 85,35%, an AL/DPK ratio of 28.57% and an LDR of 85.35%, while credit
sementara pertumbuhan kredit mencapai 9,63% yang didorong growth reached 9.63%, driven primarily by corporate and
terutama oleh pembiayaan sektor korporasi dan investasi. investment financing. In terms of asset quality, the NPL ratio
Dari sisi kualitas aset, rasio NPL tetap terjaga pada level yang remained at a sound level, and strong industry capitalization was
sehat, serta permodalan industri yang kuat tercermin dari reflected in a CAR that stayed above the minimum regulatory
rasio CAR yang berada di atas ketentuan minimum. Di sisi lain, requirement. On the other hand, digital transformation has
transformasi digital menjadi pendorong utama perkembangan become a key driver of growth in the banking industry, as
industri perbankan, ditandai dengan pertumbuhan transaksi evidenced by the increase in digital payment transactions,
pembayaran digital, termasuk peningkatan transaksi QRIS, including the rising use of QRIS, BI-FAST, and other electronic
BI-FAST, dan sistem pembayaran elektronik lainnya. Integrasi payment systems. The expanding integration of the digital
ekosistem keuangan digital yang semakin luas tidak hanya financial ecosystem had not only improved efficiency and
meningkatkan efisiensi dan inklusi keuangan, tetapi juga financial inclusion but also strengthened the competitiveness
memperkuat daya saing industri perbankan dalam menghadapi of the banking industry in responding to changing customer
perubahan perilaku nasabah dan perkembangan teknologi behavior and rapid technological advancements.
yang semakin pesat.
Tantangan dan Isu-Isu Eksternal Challenges and External Issues
yang Dihadapi
Seiring dengan dinamika makroekonomi global dan nasional In line with the dynamics of the global and national
serta transformasi industri perbankan yang semakin kompleks, macroeconomy, as well as the increasingly complex
OK BANK dihadapkan pada berbagai tantangan eksternal yang transformation of the banking industry, OK BANK faces
memerlukan respons strategis yang terintegrasi, khususnya various external challenges that require an integrated strategic
dalam menjaga kualitas pertumbuhan dan ketahanan bisnis. response, particularly in maintaining the quality of growth
Dari perspektif ekonomi dan tata kelola, tantangan utama and business resilience. From an economic and governance
berkaitan dengan meningkatnya kompleksitas risiko dalam perspective, the main challenge lies in the increasing
pengelolaan portofolio kredit dan operasional perbankan. complexity of risks in managing credit portfolios and banking
Integrasi faktor ESG dalam analisis kredit menjadi semakin operations. The integration of ESG factors into credit analysis
krusial, mengingat penilaian yang belum mempertimbangkan has become increasingly crucial, as assessments that do not
risiko lingkungan dan sosial berpotensi menyebabkan take environmental and social risks into account may lead to
ketidaktepatan dalam mengukur kemampuan bayar debitur. inaccuracies in measuring debtors’ repayment capacity. In
Selain itu, penguatan keamanan data dan privasi menjadi addition, strengthening data security and privacy has become
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perhatian utama di tengah meningkatnya risiko serangan a primary concern amid the rising risk of cyberattacks, which
siber yang dapat berdampak langsung pada kepercayaan can directly affect customer trust and expose the Bank to
nasabah dan eksposur terhadap sanksi regulasi. Dalam jangka regulatory sanctions. In the long term, unpreparedness
panjang, ketidaksiapan dalam mengintegrasikan prinsip ESG to comprehensively integrate ESG principles also has the
secara menyeluruh juga berpotensi memengaruhi daya tarik potential to impact OK BANK’s attractiveness to investors and
OK BANK di mata investor serta meningkatkan risiko reputasi increase reputational and compliance risks.
dan kepatuhan.
Dari sisi lingkungan, OK BANK menghadapi tantangan From an environmental perspective, OK BANK faces
yang semakin relevan seiring meningkatnya tekanan increasingly relevant challenges in line with growing global
global terhadap isu perubahan iklim dan pembiayaan pressure on issues related to climate change and sustainable
berkelanjutan. Keterbatasan ketersediaan data emisi dari financing. Limited availability of emissions data from
portofolio pembiayaan (financed emissions) menjadi kendala financing portfolios (financed emissions) poses a challenge
dalam memenuhi ekspektasi transparansi dari pemangku in meeting stakeholders’ transparency expectations, as
kepentingan, sekaligus menjadi tantangan dalam pengukuran well as becoming a challenge in measuring climate risk
risiko iklim secara komprehensif. Di sisi lain, eksposur comprehensively. On the other hand, exposure to physical
terhadap risiko iklim fisik, seperti banjir dan panas ekstrem, climate risks, such as floods and extreme heat, may reduce
berpotensi menurunkan nilai agunan dan meningkatkan risiko collateral value and increase credit risk in the short term. In
kredit dalam jangka pendek. Dalam jangka panjang, perubahan the long term, intensifying climate change may affect
iklim yang semakin intensif dapat memengaruhi stabilitas the stability of sectors serving the basis of the financing
sektor-sektor yang menjadi basis portofolio pembiayaan, portfolio, including property and MSMEs. These climate-
termasuk properti dan UMKM. Risiko perubahan iklim tersebut related risks also have financial implications for the quality
juga memiliki implikasi finansial terhadap kualitas portofolio of the financing portfolio, making their management
pembiayaan, sehingga pengelolaannya menjadi bagian an integral part of OK BANK’s risk management framework.
integral dalam kerangka manajemen risiko OK BANK. Selain In addition, the development of green and sustainable
itu, pengembangan pembiayaan hijau dan berkelanjutan financing requires significant investment and adequate
memerlukan investasi yang tidak sedikit serta kesiapan methodological readiness to avoid the risk of misclassification
metodologi yang memadai untuk menghindari risiko salah (greenwashing). At the same time, improving operational
klasifikasi (greenwashing). Pada saat yang sama, efisiensi efficiency in energy and resource utilization remains
operasional dalam penggunaan energi dan sumber daya a challenge, given the increasing expectations for banks
juga menjadi tantangan tersendiri, mengingat meningkatnya to operate in a more environmentally responsible and
ekspektasi terhadap perbankan untuk menjalankan operasional sustainable manner.
yang lebih ramah lingkungan dan bertanggung jawab.
Sementara itu, dari aspek sosial, tantangan utama berkaitan Moreover, from a social aspect, the main challenges relate to
dengan peningkatan kualitas layanan, inklusi keuangan, improving service quality, financial inclusion, and the readiness
serta kesiapan sumber daya manusia dalam menghadapi of human resources in facing digital transformation. Low
transformasi digital. Rendahnya literasi keuangan pada financial literacy in certain segments, particularly MSMEs, may
segmen tertentu, khususnya UMKM, dapat meningkatkan increase the risk of default due to a lack of understanding of
risiko gagal bayar akibat kurangnya pemahaman terhadap financial products and financial management. On the other
produk dan pengelolaan keuangan. Di sisi lain, kompleksitas hand, the complexity of products and services may lead to
produk dan layanan berpotensi menimbulkan risiko mis-selling risks, potentially resulting in increased complaints
mis-selling yang dapat berdampak pada meningkatnya and declining customer trust. Rapid digital transformation also
keluhan dan menurunnya kepercayaan nasabah. Transformasi presents challenges in ensuring inclusive digital access, as
digital yang semakin pesat juga menghadirkan tantangan some segments of society are not yet fully prepared to adopt
dalam memastikan inklusi digital yang merata, mengingat technology-based services. Furthermore, the need for talent
masih terdapat sebagian masyarakat yang belum sepenuhnya with expertise in digital and ESG areas is becoming increasingly
siap mengadopsi layanan berbasis teknologi. Selain itu, critical, where limitations in human capital development may
kebutuhan akan talenta yang memiliki kompetensi di bidang affect service quality and long-term competitiveness. In
digital dan ESG menjadi semakin penting, di mana keterbatasan a broader context, the social impact of financing also becomes
dalam pengembangan SDM dapat memengaruhi kualitas a key consideration, as exposure to sectors with negative
layanan dan daya saing jangka panjang. Dalam konteks yang social impacts may create reputational risks and affect
lebih luas, dampak sosial dari pembiayaan juga menjadi the future stability of OK BANK’s portfolio.
perhatian, mengingat eksposur terhadap sektor-sektor dengan
dampak sosial negatif berpotensi menimbulkan risiko reputasi
serta memengaruhi stabilitas portofolio OK BANK ke depan.
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Respons Bank melalui Penerapan Strategi Bank’s Response through the Implementation
dan Kebijakan Strategis of Strategic Initiatives and Policies
Menghadapi berbagai tantangan eksternal yang semakin In addressing increasingly complex external challenges across
kompleks, baik dari sisi ekonomi, lingkungan, maupun sosial, economic, environmental, and social dimensions, OK BANK
OK BANK secara proaktif merespons melalui penerapan has proactively responded through the implementation of
strategi dan kebijakan strategis yang terarah dan terintegrasi. well-directed and integrated strategies and policies. This
Pendekatan ini tidak hanya difokuskan pada mitigasi risiko yang approach is not only focused on mitigating emerging risks but
muncul, tetapi juga diarahkan untuk mengoptimalkan peluang is also aimed at optimizing growth opportunities arising from
pertumbuhan yang tercipta dari dinamika industri perbankan the dynamics of the banking industry and the acceleration
dan akselerasi transformasi digital. Melalui penguatan fondasi of digital transformation. By strengthening its business
bisnis dan peningkatan kapabilitas organisasi, OK BANK foundations and enhancing organizational capabilities,
memastikan bahwa setiap langkah strategis yang diambil OK BANK ensures that every strategic initiative maintains
mampu menjaga keseimbangan antara pertumbuhan kinerja, a balance between performance growth, risk management,
pengelolaan risiko, serta penciptaan nilai jangka panjang bagi and the creation of long-term value for stakeholders.
pemangku kepentingan.
Dari perspektif ekonomi, OK BANK mengarahkan strategi From an economic perspective, OK BANK has directed its
pada penguatan daya saing melalui pengembangan jaringan strategy toward strengthening competitiveness through
layanan yang luas dan terintegrasi, serta optimalisasi the development of a broad and integrated service network,
pemanfaatan teknologi perbankan. Jaringan layanan yang as well as optimizing the utilization of banking technology.
tersebar di berbagai wilayah strategis memungkinkan A service network spread across various strategic regions
OK BANK untuk menjangkau potensi pasar secara lebih luas enables OK BANK to reach broader market potential while
sekaligus mendukung peningkatan intermediasi secara supporting sustainable intermediation growth. In line with this,
berkelanjutan. Sejalan dengan itu, inovasi digital yang continuous digital innovation serves as a key pillar in improving
berkesinambungan menjadi pilar utama dalam meningkatkan operational efficiency and service quality, including through
efisiensi operasional dan kualitas layanan, termasuk melalui the development of digital platforms, technology-based
pengembangan platform digital, sistem kredit berbasis credit systems, and enhanced fast and secure transaction
teknologi, serta peningkatan fitur layanan transaksi yang features. This approach allows OK BANK to respond more
cepat dan aman. Pendekatan ini memungkinkan OK BANK agilely to changing customer behavior while strengthening its
untuk merespons perubahan perilaku nasabah secara lebih business structure in facing competitive pressures and market
agile sekaligus memperkuat struktur bisnis dalam menghadapi dynamics.
tekanan kompetisi dan dinamika pasar.
Dari sisi lingkungan dan sosial, OK BANK mengintegrasikan From environmental and social perspectives, OK BANK
strategi keberlanjutan melalui penguatan peran sumber daya integrates its sustainability strategy by strengthening the role
manusia serta pendekatan berbasis nasabah yang inklusif of human capital and adopting an inclusive, customer-centric,
dan berorientasi jangka panjang. Investasi berkelanjutan and long-term-oriented approach. Continuous investment
dalam pengembangan kompetensi karyawan, termasuk in employee competency development, including enhancing
peningkatan kapasitas di bidang digital dan ESG, menjadi capabilities in digital and ESG areas, is essential to ensure
kunci dalam memastikan kesiapan organisasi dalam organizational readiness in navigating increasingly complex
menghadapi perubahan industri yang semakin kompleks. industry changes. Furthermore, a customer-based approach
Selain itu, pendekatan berbasis nasabah diterapkan secara is consistently implemented to build closer and mutually
konsisten untuk membangun hubungan yang lebih erat dan beneficial relationships, through the provision of relevant,
saling menguntungkan, melalui penyediaan solusi keuangan accessible financial solutions tailored to the needs of various
yang relevan, mudah diakses, serta sesuai dengan kebutuhan segments, including MSMEs and underserved communities.
berbagai segmen, termasuk UMKM dan masyarakat yang Through this strategy, OK BANK not only enhances service
belum terlayani secara optimal. Dengan strategi ini, OK BANK quality and customer loyalty but also contributes to greater
tidak hanya memperkuat kualitas layanan dan loyalitas financial inclusion and the creation of sustainable positive
nasabah, tetapi juga berkontribusi terhadap peningkatan social impact.
inklusi keuangan dan penciptaan dampak sosial yang positif
secara berkelanjutan.
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Komitmen dan Peran Direksi dalam Board of Directors’ Commitment and Role
Perumusan dan Implementasi Strategi Bank in the Formulation and Implementation of
the Bank’s Strategies
Direksi OK BANK memegang peran sentral dalam memastikan The Board of Directors of OK BANK plays a central role
bahwa perumusan dan implementasi strategi Bank berjalan in ensuring that the formulation and implementation of
secara terarah, adaptif, dan selaras dengan dinamika eksternal the Bank’s strategy are carried out in a well-directed, adaptive
serta tujuan jangka panjang. Dalam proses perumusan manner and aligned with external dynamics as well as
strategi, Direksi secara aktif melakukan evaluasi terhadap long-term objectives. In the strategy formulation process,
kondisi makroekonomi, perkembangan industri, serta profil the Board of Directors actively evaluates macroeconomic
risiko yang dihadapi, termasuk integrasi faktor ESG ke conditions, industry developments, and the Bank’s risk
dalam kebijakan bisnis dan rencana kerja OK BANK. Strategi profile, including the integration of ESG factors into business
yang telah ditetapkan kemudian diterjemahkan ke dalam policies and OK BANK’s work plans. The established
rencana operasional yang terukur melalui penetapan target strategy is then translated into measurable operational plans
kinerja, penguatan kebijakan internal, serta penyelarasan through the setting of performance targets, strengthening of
fungsi organisasi agar setiap unit kerja memiliki peran internal policies, and alignment of organizational functions
yang jelas dalam mendukung pencapaian tujuan. Dalam to ensure that each work unit has a clear role in supporting
implementasinya, Direksi memastikan pelaksanaan strategi the achievement of objectives. In its implementation, the Board
dilakukan secara disiplin melalui mekanisme monitoring of Directors ensures disciplined execution through periodic
dan evaluasi berkala. Pendekatan ini memungkinkan Direksi monitoring and evaluation mechanisms. This approach
untuk menjaga konsistensi antara perencanaan dan realisasi, enables the Board of Directors to maintain consistency
sekaligus memastikan bahwa setiap inisiatif strategis between planning and realization, while ensuring that
mampu memberikan kontribusi nyata terhadap peningkatan every strategic initiative delivers tangible contributions
kinerja, ketahanan bisnis, dan penciptaan nilai berkelanjutan to performance improvement, business resilience, and
bagi seluruh pemangku kepentingan. the creation of sustainable value for all stakeholders.
Perbandingan antara Kinerja dengan Target Comparison Between Performance
and Targets
Implementasi strategi yang dijalankan secara konsisten The consistent implementation of strategies throughout 2025
sepanjang tahun 2025 tersebut tercermin dalam capaian is reflected in OK BANK’s performance achievements, which
kinerja OK BANK yang melampaui target yang telah exceeded the established targets. From an intermediation
ditetapkan. Dari sisi intermediasi, penyaluran kredit mencapai perspective, loan disbursement reached Rp10,734.81 billion,
Rp10.734,81 miliar atau 105,24% dari target, tumbuh 15,43% or 105.24% of the target, growing by 15.43% compared
dibandingkan tahun sebelumnya sebesar Rp9.300,15 miliar, to the previous year’s Rp9,300.15 billion. The main
dengan kontribusi utama berasal dari segmen komersial dan contributions came from the commercial and corporate
korporasi yang masing-masing menyumbang 22,58% dan segments, which accounted for 22.58% and 42.33% of
42,33% terhadap total portofolio. Pencapaian ini menunjukkan the total portfolio, respectively. This achievement
keberhasilan OK BANK dalam mengoptimalkan peluang demonstrates OK BANK’s success in selectively
pembiayaan secara selektif sekaligus menjaga kualitas optimizing financing opportunities while maintaining asset
aset. Di sisi pendanaan, simpanan nasabah mencapai quality. In terms of funding, customer deposits reached
Rp8.174,48 miliar atau 101,86% dari target, meningkat 19,89% Rp8,174.48 billion, or 101.86% of the target, increasing by
secara tahunan, didorong oleh pertumbuhan giro, tabungan, 19.89% year-on-year, driven by growth in current accounts,
serta deposito berjangka masing-masing sebesar 11,16%, savings, and time deposits of 11.16%, 41.90%, and 20.45%,
41,90%, dan 20,45%. Struktur pendanaan yang semakin kuat respectively. This increasingly strong funding structure
ini memberikan dukungan likuiditas yang memadai bagi provides adequate liquidity support for OK BANK’s business
ekspansi usaha OK BANK. expansion.
Sejalan dengan pertumbuhan intermediasi dan pendanaan, In line with the growth in intermediation and funding,
posisi keuangan OK BANK juga mengalami peningkatan OK BANK’s financial position also recorded solid improvement.
yang solid. Total aset tercatat sebesar Rp13,42 triliun atau Total assets amounted to Rp13.42 trillion, or 106.90% of
106,90% dari target, meningkat 13,03% dibandingkan tahun the target, increasing by 13.03% compared to the previous
sebelumnya, seiring dengan ekspansi kredit yang terkelola year, in line with well-managed credit expansion. Liabilities
dengan baik. Liabilitas meningkat menjadi Rp9,62 triliun atau rose to Rp9.62 trillion, growing by 16.82%, while equity reached
tumbuh 16,82%, sementara ekuitas mencapai Rp3,80 triliun Rp3.80 trillion, up 4.45%, reflecting a strengthened capital
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atau meningkat 4,45%, mencerminkan penguatan struktur structure. Positive operational performance also drove
permodalan yang tetap terjaga. Kinerja operasional yang an increase in interest income to Rp1.21 trillion, growing by
positif turut mendorong peningkatan pendapatan bunga 16.33% year-on-year. This directly contributed to a significant
menjadi Rp1,21 triliun atau tumbuh 16,33% secara tahunan. rise in net profit to Rp159.98 billion, or 154.01% of the target,
Hal ini berdampak langsung pada peningkatan laba bersih surging by 220.03% compared to the previous year. This
yang signifikan menjadi Rp159,98 miliar atau 154,01% dari achievement reflects OK BANK’s success in enhancing
target, melonjak 220,03% dibandingkan tahun sebelumnya. profitability through a combination of business growth and
Pencapaian ini menunjukkan keberhasilan OK BANK dalam operational efficiency.
meningkatkan profitabilitas melalui kombinasi pertumbuhan
bisnis dan efisiensi operasional.
Dari sisi rasio keuangan, perbaikan kinerja tercermin pada In terms of financial ratios, performance improvement is
peningkatan indikator profitabilitas dan efisiensi yang reflected in increased profitability and efficiency indicators,
seluruhnya melampaui target. NIM tercatat sebesar 5,67% all of which exceeded their targets. NIM stood at 5.67%, or
atau 104,43% dari target, sementara ROA mencapai 1,70% atau 104.43% of the target, while ROA reached 1.70%, or 150.18%
150,18% dari target, dan ROE sebesar 4,35% atau 153,96% dari of the target, and ROE was recorded at 4.35%, or 153.96% of
target. Kualitas aset tetap terjaga dengan baik, ditunjukkan the target. Asset quality remained well maintained, as
oleh penurunan rasio NPL neto serta peningkatan terbatas indicated by a decline in the net NPL ratio and only a limited
pada NPL bruto, yang mencerminkan stabilitas risiko kredit increase in gross NPL, reflecting stable credit risk amid
di tengah ekspansi yang dilakukan. Selain itu, penguatan ongoing expansion. In addition, capital strengthening was
permodalan juga tercermin dari peningkatan Modal Inti menjadi reflected in the increase in Core Capital to Rp3,763.62 billion,
Rp3.763,62 miliar atau tumbuh 5,39% dibandingkan tahun growing by 5.39% compared to the previous year, thereby
sebelumnya, sehingga memberikan ruang yang lebih besar providing greater capacity for OK BANK to support sustainable
bagi OK BANK untuk mendukung pertumbuhan bisnis secara business growth. Overall, the comparison between targets
berkelanjutan. Secara keseluruhan, perbandingan antara target and actual performance in 2025 demonstrates that OK BANK
dan realisasi kinerja tahun 2025 menunjukkan bahwa OK BANK not only achieved its targets but also delivered more optimal
tidak hanya mampu mencapai target yang ditetapkan, tetapi performance while maintaining prudential principles and
juga berhasil menciptakan kinerja yang lebih optimal dengan business sustainability.
tetap menjaga prinsip kehati-hatian dan keberlanjutan usaha.
Tinjauan atas Peluang dan Prospek Usaha Overview of Business Opportunities
and Prospects
Prospek industri perbankan nasional pada tahun 2026 The prospect for the national banking industry in 2026 is
diperkirakan tetap berada dalam tren pertumbuhan yang positif, expected to remain on a positive growth trajectory, despite
meskipun dihadapkan pada dinamika global yang semakin increasingly complex global dynamics. The International
kompleks. International Monetary Fund (IMF) memproyeksikan Monetary Fund (IMF) projects global economic growth at
pertumbuhan ekonomi global sebesar 3,3% dengan 3.3%, with a downside risk balance influenced by trade policy
keseimbangan risiko yang cenderung menurun, dipengaruhi uncertainty, elevated financial asset valuations, and potential
oleh ketidakpastian kebijakan perdagangan, tingginya valuasi corrections in technology-driven investments. Meanwhile,
aset keuangan, serta potensi koreksi terhadap investasi rising geopolitical tensions, including escalating conflicts
berbasis teknologi. Di sisi lain, meningkatnya ketegangan in the Middle East, have contributed to the strengthening of
geopolitik, termasuk eskalasi konflik di Timur Tengah, the US Dollar and increased volatility in global financial
turut mendorong penguatan Dolar AS dan meningkatkan markets. These conditions limit the scope for monetary
volatilitas pasar keuangan global. Kondisi ini berdampak easing and require the banking industry to be more adaptive
pada terbatasnya ruang pelonggaran kebijakan moneter dan in maintaining stability and managing risks in a more prudent
menuntut industri perbankan untuk semakin adaptif dalam manner.
menjaga stabilitas dan mengelola risiko secara lebih prudent.
Dalam konteks tersebut, industri perbankan nasional In this context, the national banking industry faces the need
dihadapkan pada kebutuhan untuk menjaga keseimbangan to balance growth with prudence. Challenges such as the not-
antara pertumbuhan dan kehati-hatian. Tantangan seperti yet-optimal transition toward lower interest rates, potential
transisi penurunan suku bunga yang belum optimal, potensi increases in risk within the consumer and MSME segments,
peningkatan risiko pada segmen konsumsi dan UMKM, as well as pressures on exchange rates and cost of funds,
serta tekanan terhadap nilai tukar dan biaya dana menjadi are key factors to monitor. Nevertheless, banking industry
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faktor yang perlu dicermati. Namun demikian, fundamental fundamentals remain resilient, as reflected in a gross NPL
industri perbankan tetap menunjukkan ketahanan yang ratio of 2.14%, net NPL of 0.82%, Loan at Risk of 9.01%, ROA
kuat, tercermin dari rasio NPL gross sebesar 2,14%, NPL net of 2.49%, and CAR of 25.87% at the beginning of 2026. Under
sebesar 0,82%, Loan at Risk sebesar 9,01%, ROA sebesar these conditions, the industry outlook is expected to remain
2,49%, serta CAR sebesar 25,87% pada awal tahun 2026. healthy, supported by a more selective expansion approach,
Dengan kondisi tersebut, prospek industri diperkirakan tetap risk-based management, and a focus on productive sectors
tumbuh secara sehat dengan pendekatan ekspansi yang lebih with strong resilience to economic fluctuations.
selektif, berbasis manajemen risiko, serta difokuskan pada
sektor-sektor produktif yang memiliki daya tahan tinggi
terhadap fluktuasi ekonomi.
Sejalan dengan proyeksi tersebut, OK BANK memandang In line with these projections, OK BANK sees continued growth
peluang pertumbuhan tetap terbuka dan menetapkan opportunities and has set its 2026 performance targets based
target kinerja tahun 2026 dengan mengacu pada asumsi on moderate macroeconomic assumptions. Accordingly, OK
makroekonomi yang moderat. Berdasarkan asumsi BANK targets asset growth to Rp14,456.71 billion, loans to
tersebut, OK BANK menargetkan pertumbuhan aset menjadi Rp11,757.45 billion, customer deposits to Rp9,066.47 billion,
Rp14.456,71 miliar, kredit Rp11.757,45 miliar, simpanan net interest income to Rp835.58 billion, and net profit
nasabah Rp9.066,47 miliar, pendapatan bunga bersih to Rp187.13 billion. To achieve these targets, OK BANK
Rp835,58 miliar, serta laba bersih Rp187,13 miliar. Untuk will strengthen its strategy through the enhancement of
mencapai target tersebut, OK BANK akan memperkuat strategi savings and current accounts product features and services,
melalui peningkatan fitur dan layanan produk tabungan dan the development of competitive medium-term funding
giro, pengembangan program pendanaan jangka menengah programs, participation as a sub-distribution partner for
yang kompetitif, partisipasi sebagai sub-mitra distribusi retail government securities, and the strengthening of payroll
Surat Berharga Negara ritel, serta penguatan layanan payroll services to expand the customer base and increase transaction
guna memperluas basis nasabah dan meningkatkan volume volumes. These strategies are expected to drive sustainable
transaksi. Strategi ini diharapkan mampu mendorong growth, enhance competitiveness, and strengthen OK BANK’s
pertumbuhan yang berkelanjutan, meningkatkan daya saing, position in navigating future banking industry dynamics.
serta memperkuat posisi OK BANK dalam menghadapi
dinamika industri perbankan ke depan.
Penerapan Tata Kelola Perusahaan yang Baik Implementation of Good Corporate
Governance
Penerapan GCG di OK BANK senantiasa menjadi fondasi The implementation of GCG at OK BANK consistently serves
utama dalam memastikan keberlangsungan usaha yang as the primary foundation in ensuring a sound, transparent,
sehat, transparan, dan berintegritas. OK BANK menjalankan and integrity-driven business sustainability. OK BANK upholds
tata kelola melalui struktur organisasi yang jelas dengan governance through a clear organizational structure with
pemisahan fungsi antara Dewan Komisaris dan Direksi, a separation of functions between the Board of Commissioners
serta didukung oleh komite-komite yang menjalankan fungsi and the Board of Directors, supported by committees
pengawasan dan pengambilan keputusan secara efektif. that effectively carry out oversight and decision-making
Dalam praktiknya, penerapan GCG terintegrasi dengan functions. In practice, GCG implementation is integrated with
sistem manajemen risiko dan pengendalian internal yang a comprehensive risk management and internal control
komprehensif, mencakup proses identifikasi, pengukuran, system, encompassing continuous processes of risk
pemantauan, dan pengendalian risiko secara berkelanjutan. identification, measurement, monitoring, and control. This
Pendekatan ini diperkuat dengan penerapan prinsip approach is reinforced by the application of prudential
kehati-hatian, budaya kepatuhan, serta standar etika yang principles, compliance culture, and high ethical standards,
tinggi, termasuk penguatan sistem pencegahan fraud, including the strengthening of fraud prevention systems,
penerapan Anti Pencucian Uang dan Pencegahan Pendanaan the implementation of Anti-Money Laundering and Counter-
Terorisme (AML-CTF), serta pengelolaan risiko operasional Terrorist Financing (AML-CTF), as well as disciplined
dan reputasi secara disiplin. Melalui kerangka three lines of management of operational and reputational risks.
defense, OK BANK memastikan adanya mekanisme check Through the three lines of defense framework, OK BANK
and balance yang efektif dalam seluruh aktivitas operasional, ensures effective check-and-balance mechanisms across
sehingga mampu menjaga kualitas pengambilan keputusan all operational activities, thereby maintaining the quality of
sekaligus meningkatkan kepercayaan pemangku kepentingan. decision-making while enhancing stakeholder trust.
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Sejalan dengan penguatan tata kelola tersebut, OK BANK juga In line with strengthening governance, OK BANK has also
mengimplementasikan ICoFR. Penerapan ICoFR dilakukan implemented ICoFR. The implementation of ICoFR is carried
secara menyeluruh dalam seluruh siklus pelaporan keuangan, out comprehensively across the entire financial reporting
mulai dari pencatatan transaksi hingga publikasi laporan, cycle, from transaction recording to report publication, to
guna memastikan bahwa informasi keuangan disajikan ensure that financial information is presented accurately,
secara akurat, lengkap, dan andal. OK BANK telah menetapkan completely, and reliably. OK BANK has established financial
kebijakan integritas pelaporan keuangan, melakukan reporting integrity policies, conducted control mapping and
pemetaan dan evaluasi pengendalian melalui Risk Control Self evaluation through Risk Control Self-Assessment (RCSA),
Assessment (RCSA), serta menyusun dokumentasi Business and developed Business Process Mapping (BPM) and Risk
Process Mapping (BPM) dan Risk Control Matrix (RCM) Control Matrix (RCM) documentation to ensure the adequacy
untuk memastikan kecukupan desain dan efektivitas of control design and effectiveness. In addition, preventive
pengendalian. Selain itu, mekanisme pengendalian preventif control mechanisms are implemented through segregation
diterapkan melalui pemisahan fungsi dan otorisasi berjenjang, of duties and tiered authorization, supported by the role of
didukung oleh peran Anti-Fraud Unit sebagai fungsi oversight. the Anti-Fraud Unit as an oversight function. The reliability of
Keandalan laporan keuangan juga diperkuat melalui audit financial reporting is further strengthened through independent
eksternal yang independen serta pemantauan tindak lanjut external audits and systematic monitoring of follow-ups on
atas rekomendasi audit secara sistematis. audit recommendations.
Penerapan Tata Kelola Teknologi Informasi Implementation of Information Technology
Governance
Sejalan dengan penguatan penerapan GCG, OK BANK juga In line with strengthening GCG implementation, OK BANK
terus memperkuat tata kelola teknologi informasi sebagai continues to enhance its information technology (IT)
enabler utama dalam mendukung transformasi bisnis governance as a key enabler in supporting business
dan peningkatan kualitas layanan. Pengelolaan teknologi transformation and improving service quality. IT management
informasi dilakukan secara terstruktur melalui penyusunan is carried out in a structured manner through the development
roadmap pengembangan TI jangka menengah dan panjang of a medium- and long-term IT roadmap that is integrated
yang terintegrasi dengan strategi bisnis Bank. Roadmap ini with the Bank’s business strategy. This roadmap focuses on
difokuskan pada optimalisasi sistem yang telah berjalan, optimizing existing systems, enhancing digital services for
peningkatan layanan digital kepada nasabah, serta customers, and strengthening compliance with regulatory
penguatan kepatuhan terhadap ketentuan regulator. Dalam requirements. In the medium to long term, development
jangka menengah dan panjang, pengembangan diarahkan efforts are directed toward improving system scalability and
pada peningkatan skalabilitas dan integrasi sistem serta integration, as well as modernizing main platforms to ensure
modernisasi platform utama guna memastikan kesiapan Bank the Bank’s readiness in addressing increasingly complex and
dalam menghadapi kebutuhan bisnis yang semakin kompleks dynamic business needs.
dan dinamis.
Dalam implementasinya, OK BANK menerapkan manajemen In its implementation, OK BANK applies comprehensive IT
risiko teknologi informasi secara komprehensif untuk risk management to ensure system reliability, data security,
memastikan keandalan sistem, keamanan data, dan and operational continuity. IT risk management is conducted
kesinambungan operasional. Pengelolaan risiko TI dilakukan through continuous processes of identification, measurement,
melalui proses identifikasi, pengukuran, pemantauan, monitoring, and control, covering operational risks, information
dan pengendalian secara berkelanjutan, mencakup risiko security, and potential system disruptions that may affect
operasional, keamanan informasi, serta potensi gangguan customer services. To strengthen cyber resilience, OK BANK has
sistem yang dapat memengaruhi layanan kepada nasabah. implemented various strategic initiatives, including a Security
Untuk memperkuat ketahanan siber, OK BANK telah Operations Center (SOC), Security Information and Event
mengimplementasikan berbagai inisiatif strategis, antara Management (SIEM), Digital Rights Management (DRM), and
lain Security Operation Center (SOC), Security Information penetration testing tools to enhance detection and response
and Event Management (SIEM), Digital Rights Management capabilities against cyber threats. In addition, the development
(DRM), serta penetration testing tools guna meningkatkan of applications and digital systems, such as credit scoring
kemampuan deteksi dan respons terhadap ancaman siber. systems, mobile banking, and transaction service features,
Selain itu, pengembangan aplikasi dan sistem digital seperti continues to improve efficiency and service quality. Overall, this
credit scoring system, mobile banking, serta fitur layanan integrated and adaptive IT governance implementation reflects
transaksi terus dilakukan untuk meningkatkan efisiensi dan OK BANK’s commitment to maintaining security, reliability, and
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kualitas layanan. Secara keseluruhan, penerapan tata kelola operational sustainability amid the rapid acceleration of digital
TI yang terintegrasi dan adaptif ini mencerminkan komitmen transformation in the banking industry.
OK BANK dalam menjaga keamanan, keandalan, serta
keberlanjutan operasional di tengah akselerasi transformasi
digital di industri perbankan.
Penerapan Nilai-Nilai Keuangan Implementation of Sustainable Finance
Berkelanjutan Principles
Penerapan nilai-nilai keuangan berkelanjutan di OK BANK The implementation of sustainable finance principles at
dilaksanakan sebagai bagian integral dari strategi bisnis OK BANK is carried out as an integral part of its business
yang selaras dengan agenda pembangunan berkelanjutan strategy, aligned with the global sustainable development
global dan komitmen nasional dalam pencapaian Tujuan agenda and national commitments toward achieving
Pembangunan Berkelanjutan (Sustainable Development the Sustainable Development Goals (SDGs), particularly SDG
Goals/SDGs), khususnya SDG 8 (Pekerjaan Layak dan 8 (Decent Work and Economic Growth), SDG 10 (Reduced
Pertumbuhan Ekonomi), SDG 10 (Berkurangnya Kesenjangan), Inequalities), SDG 12 (Responsible Consumption and
SDG 12 (Konsumsi dan Produksi yang Bertanggung Jawab), Production), and SDG 13 (Climate Action). This approach
serta SDG 13 (Penanganan Perubahan Iklim). Pendekatan ini reflects OK BANK’s role as a financial institution that is
mencerminkan peran OK BANK sebagai institusi keuangan not only focused on economic performance but also on
yang tidak hanya berorientasi pada kinerja ekonomi, tetapi creating long-term value for society and the environment.
juga pada penciptaan nilai jangka panjang bagi masyarakat The implementation of sustainable finance is conducted
dan lingkungan. Implementasi keuangan berkelanjutan through the Sustainable Finance Action Plan (RAKB), which
dilakukan melalui Rencana Aksi Keuangan Berkelanjutan serves as a strategic and operational framework in guiding
(RAKB) yang menjadi kerangka strategis dan operasional policies, targets, and priorities for sustainable business
dalam mengarahkan kebijakan, target, serta prioritas development. In 2025, the RAKB entered an advanced
pengembangan bisnis yang berkelanjutan. Pada tahun 2025, implementation phase, with the realization of fund mobilization
RAKB memasuki tahap implementasi lanjutan dengan realisasi meeting sustainable business criteria amounting to
penghimpunan dana yang memenuhi kriteria kegiatan usaha Rp205.94 billion, as well as sustainable financing
berkelanjutan sebesar Rp205,94 miliar, serta penyaluran disbursements, including Rp396.31 billion for the biological
pembiayaan berkelanjutan antara lain pada sektor pengelolaan natural resources management sector, Rp586.99 billion for
sumber daya alam hayati sebesar Rp396,31 miliar, konservasi biodiversity conservation, and Rp699.43 billion for MSME
keanekaragaman hayati sebesar Rp586,99 miliar, serta financing as part of efforts to promote financial inclusion and
pembiayaan UMKM sebesar Rp699,43 miliar sebagai bagian more equitable economic growth.
dari upaya mendorong inklusi keuangan dan pertumbuhan
ekonomi yang lebih merata.
Dari sisi lingkungan, OK BANK secara bertahap mengintegrasikan From an environmental perspective, OK BANK has gradually
prinsip efisiensi sumber daya dan pengelolaan dampak integrated resource efficiency principles and environmental
lingkungan dalam operasional sehari-hari. Inisiatif yang impact management into its daily operations. Initiatives
dilakukan antara lain memprioritaskan pemanfaatan kertas bekas include prioritizing the use of recycled paper to reduce
untuk mengurangi penggunaan bahan baru, serta membatasi the consumption of new materials, as well as limiting
penggunaan plastik sekali pakai melalui pengurangan air single-use plastics by reducing bottled drinking water and
minum kemasan dan penggunaan alternatif yang lebih ramah adopting more environmentally friendly alternatives. In
lingkungan. Selain itu, OK BANK juga menjalankan berbagai addition, OK BANK has implemented various energy efficiency
program efisiensi energi, seperti penggunaan lampu LED, programs, such as the use of LED lighting, optimal air
pengaturan penggunaan pendingin ruangan secara optimal, conditioning management, activation of energy-saving modes
penerapan mode hemat energi pada perangkat elektronik, serta on electronic devices, and maximizing the use of natural
optimalisasi pemanfaatan cahaya alami. Upaya ini tidak hanya lighting. These efforts aim not only to reduce operational
bertujuan menekan biaya operasional, tetapi juga mendukung costs but also to support the gradual reduction of the Bank’s
pengurangan jejak karbon secara bertahap. Sejalan dengan carbon footprint. In line with its commitment to the transition
komitmen terhadap transisi menuju ekonomi rendah karbon, toward a low-carbon economy, OK BANK has begun preparing
OK BANK mulai mempersiapkan dukungan terhadap target net to support net zero emission targets by strengthening
zero emission melalui penguatan analisis risiko dan peluang the analysis of climate-related risks and opportunities,
terkait perubahan iklim, termasuk pengembangan kerangka including the development of frameworks aligned with IFRS
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kerja yang selaras dengan standar IFRS S1 dan IFRS S2 dalam S1 and IFRS S2 standards for sustainability and climate risk
pengungkapan keberlanjutan dan risiko iklim ke depan. disclosures in the future.
Sementara itu, dari aspek sosial, OK BANK terus memperkuat Meanwhile, in terms of social aspect, OK BANK continues
kontribusi melalui berbagai program yang berfokus pada to strengthen its contributions through various programs
pemberdayaan masyarakat dan peningkatan kualitas hidup. focused on community empowerment and improving quality
Kegiatan tanggung jawab sosial yang dilaksanakan sepanjang of life. Corporate social responsibility initiatives carried out
tahun 2025 antara lain program pembagian takjil gratis pada throughout 2025 include the distribution of free iftar meals
bulan Ramadan, kegiatan donor darah, serta kunjungan ke during Ramadan, blood donation activities, and visits to
panti asuhan sebagai bentuk kepedulian terhadap masyarakat. orphanages as a form of social care. In addition, OK BANK
Selain itu, OK BANK juga aktif menjalankan program literasi actively implemented financial literacy and inclusion programs
dan inklusi keuangan guna meningkatkan pemahaman to enhance public understanding of banking products and
masyarakat terhadap produk dan layanan perbankan, services, while also expanding financial access for underserved
sekaligus memperluas akses keuangan bagi segmen yang segments. Through an integrated approach encompassing
belum terlayani secara optimal. Melalui pendekatan yang economic, environmental, and social aspects, OK BANK strives
terintegrasi antara aspek ekonomi, lingkungan, dan sosial, to ensure that all its business activities not only generate
OK BANK berupaya memastikan bahwa seluruh aktivitas financial value but also create sustainable positive impacts for
usaha tidak hanya memberikan nilai tambah secara finansial, society and the environment.
tetapi juga memberikan dampak positif yang berkelanjutan
bagi masyarakat dan lingkungan.
Penutup dan Apresiasi Closing and Appreciation
Sebagai penutup, Direksi memandang bahwa capaian kinerja In conclusion, the Board of Directors views the performance
dan implementasi strategi sepanjang tahun 2025 merupakan achievements and strategic implementation throughout 2025
hasil dari sinergi yang kuat antara arah kebijakan yang terukur, as the result of strong synergy between well-measured policy
pelaksanaan yang disiplin, serta dukungan penuh dari seluruh direction, disciplined execution, and the full support of all
pemangku kepentingan. Oleh karena itu, kami menyampaikan stakeholders. Therefore, we extend our highest appreciation
apresiasi yang setinggi-tingginya kepada seluruh karyawan to all employees for their dedication, professionalism,
atas dedikasi, profesionalisme, dan kontribusi yang telah and contributions in supporting OK BANK’s performance
diberikan dalam mendukung pencapaian kinerja OK BANK. achievements. We also express our sincere gratitude to
Ucapan terima kasih juga kami sampaikan kepada Dewan the Board of Commissioners for their constructive guidance
Komisaris atas arahan dan pengawasan yang konstruktif, and supervision, as well as to the Shareholders, customers,
serta kepada Pemegang Saham, nasabah, regulator, dan regulators, and all business partners for their trust and
seluruh mitra usaha atas kepercayaan dan kerja sama yang continued collaboration. The sustained support of all
terjalin dengan baik. Dukungan yang berkelanjutan dari stakeholders remains a key factor in maintaining stability and
seluruh pemangku kepentingan menjadi faktor penting dalam driving the sustainable growth of OK BANK.
menjaga stabilitas dan mendorong pertumbuhan OK BANK
secara berkesinambungan.
Atas nama Direksi
On behalf of the Board of Directors
PT Bank Oke Indonesia, Tbk.
Kang Bong Joo
Direktur Utama
President Director
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PT Bank Oke Indonesia, Tbk.
Surat Pernyataan Anggota Dewan Komisaris dan Direksi
tentang Tanggung Jawab atas Laporan Tahunan
dan Laporan Keberlanjutan Tahun 2025
PT Bank Oke Indonesia, Tbk.
Statement Letter of Members of the Board of Commissioners and
Members of the Board of Directors Regarding the Responsibility
for the 2025 Annual Report and Sustainability Report
of PT Bank Oke Indonesia, Tbk.
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, declare that all information in the 2025
semua informasi dalam Laporan Tahunan dan Laporan Annual Report and Sustainability Report of PT Bank Oke
Keberlanjutan PT Bank Oke Indonesia, Tbk. (“Perseroan”) Indonesia, Tbk. (“the Company”) has been presented in
Tahun 2025 telah dimuat secara lengkap dan bertanggung its entirety and we are fully responsible for the accuracy
jawab penuh atas kebenaran isi Laporan Tahunan dan Laporan of the contents of the Company’s Annual Report and
Keberlanjutan Perseroan Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement has been made truthfully.
Jakarta, 28 April 2026
Jakarta, April 28, 2026
Dewan Komisaris
Board of Commissioners
Sang Ton Sim
Komisaris Utama
Sondang Martha Samosir President Commissioner Chairudin
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Direksi
Board of Directors
Kang Bong Joo Hendra Lie
Direktur Utama Wakil Direktur Utama
President Director Vice President Director
Vincentia M. Djuniwati Wijaya Jong Ha Lee Efdinal Alamsyah
Direktur Bisnis Direktur Kredit Direktur Kepatuhan
Director of Business Director of Credit Director of Compliance
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Profil
Perusahaan
Company Profile
OK BANK merupakan institusi perbankan yang berfokus
pada penyediaan solusi layanan keuangan yang unggul
dan bernilai tambah bagi nasabah. Melalui penguatan
inovasi produk, pemanfaatan teknologi digital, dan
peningkatan kualitas layanan secara berkelanjutan,
OK BANK menghadirkan pengalaman perbankan yang
semakin efisien, aman, dan andal, sekaligus memperkuat
posisi dalam menghadapi dinamika industri perbankan
yang terus berkembang.
OK BANK is a banking institution focused on providing
superior and value-added financial service solutions
for its customers. Through strengthened product
innovation, utilization of digital technology, and
continuous improvements in service quality, OK BANK
delivers a banking experience that is increasingly
efficient, secure, and reliable, while also reinforcing
its position in responding to the ever-evolving dynamics
of the banking industry.
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PROFIL PERUSAHAAN
Company Profile
Informasi Perusahaan
Company Information
NAMA PERUSAHAAN [GRI 2-1]
Company Name PT Bank Oke Indonesia, Tbk.*
KEGIATAN USAHA [GRI 2-6]
Business Activities
Jasa Perbankan
Banking Services
TANGGAL PENDIRIAN
Date of Establishment
22 November 1991
November 22, 1991
JUMLAH KARYAWAN
Total Employee
331 Karyawan
331 Employees
STATUS PERUSAHAAN
[GRI 2-1]
Company Status
Perusahaan Terbuka atas
Penjualan Saham ke Publik
Public Company on the Sale of
Shares to the Public
KODE SAHAM
Stock Code
ALAMAT KANTOR [POJK C.2] DNAR
[GRI 2-1]
Office Address
Jl. Ir. H. Juanda No. 12
Jakarta Pusat / Central Jakarta
021-2312633
021-2312604 ANGGARAN DASAR DAN PERUBAHAN TERAKHIR
Articles of Association and Latest Amendments
Perubahan akta terakhir Bank adalah Akta Nomor 2 tanggal 1 Oktober 2025,
SITUS WEB yang dibuat di hadapan Dr. Agung Iriantoro, S.H, M.H., Notaris di Jakarta, yang
Website penerimaan pemberitahuan perubahan data Perseroannya telah diterima dan
www.okbank.co.id dicatat di dalam Sistem Administrasi Badan Hukum Kementerian Hukum
Republik Indonesia Nomor AHU-AH.01.03-0239856 tanggal 1 Oktober 2025.
The Bank's latest deed amendment is Deed Number 2 dated October 1, 2025,
TANGGAL GO PUBLIC drawn up before Dr. Agung Iriantoro, S.H., M.H., a Notary in Jakarta, where
Go Public Date the notification of the Company's data changes had been received and recorded
11 Juli 2014 in the Legal Entity Administration System of the Ministry of Law of the Republic of
July 11, 2014 Indonesia under Number AHU-AH.01.03-0239856 dated October 1, 2025.
* Pada tahun 2025, OK BANK tidak pernah melakukan perubahan nama. / In 2025, OK BANK did not make any changes to its name.
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PT Bank Oke Indonesia, Tbk.
MODAL DASAR MODAL DITEMPATKAN DAN DISETOR PENUH
Authorized Capital Issued and Paid-up Capital
Rp3.000.000.000.000,- Rp1.689.239.118.500,-
Rp3,000,000,000,000 Rp1,689,239,118.500
KOMPOSISI PEMEGANG SAHAM [POJK C.3] 9,49
Shareholders Composition
Per Desember 2025 / As of December 2025
(dalam % / in %)
Keterangan / Description:
OK Next (d/h.APRO Financial) Co. Ltd.
90,51
Masyarakat / Public
DASAR HUKUM PENDIRIAN
Legal Basis of Establishment
OK BANK didirikan dari proses penggabungan PT Bank Oke Indonesia ke dalam PT Bank Dinar Indonesia Tbk berdasarkan Akta
Penggabungan Nomor 5 tanggal 5 Juli 2019, dibuat di hadapan Dewi Kusumawati, S.H., Notaris di Jakarta, yang pemberitahuan
penggabungannya telah diterima dan dicatat di dalam Sistem Administrasi Badan Hukum Kementerian Hukum dan Hak
Asasi Manusia Republik Indonesia Nomor AHU-AH.01.10-0008817 tanggal 8 Juli 2019 dan Akta Pernyataan Keputusan
Rapat Nomor 6 tanggal 5 Juli 2019, dibuat di hadapan Dewi Kusumawati, S.H., Notaris di Jakarta, yang telah memperoleh
persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sebagaimana tercatat dalam Surat Keputusan
Nomor AHU-0035514.AH.01.02.TAHUN 2019 tanggal 8 Juli 2019, yang penerimaan pemberitahuan perubahan anggaran dasar
telah diterima dan dicatat di dalam Sistem Administrasi Badan Hukum Kementerian Hukum dan Hak Asasi Manusia Republik
Indonesia Nomor AHU-AH.01.03-0295214 tanggal 8 Juli 2019 dan penerimaan pemberitahuan perubahan data telah diterima
dan dicatat di dalam Sistem Administrasi Badan Hukum Kementerian Hukum dan Hak Asasi Manusia Republik Indonesia
Nomor AHU-AH.01.03-0295215 tanggal 8 Juli 2019.
OK BANK was established through the merger of PT Bank Oke Indonesia into PT Bank Dinar Indonesia Tbk based on Merger
Deed Number 5 dated July 5, 2019, drawn up before Dewi Kusumawati, S.H., a Notary in Jakarta. The merger notification was
received and recorded in the Legal Entity Administration System of the Ministry of Law and Human Rights of the Republic of
Indonesia under Number AHU-AH.01.10-0008817 dated July 8, 2019, and the Deed of Meeting Resolutions Number 6 dated
July 5, 2019, drawn up before Dewi Kusumawati, S.H., a Notary in Jakarta, which had received approval from the Minister of
Law and Human Rights of the Republic of Indonesia as recorded under Decree Number AHU-0035514.AH.01.02.TAHUN 2019
dated July 8, 2019, which the notification of amendments to the articles of association had been received and recorded
in the Legal Entity Administration System of the Ministry of Law and Human Rights of the Republic of Indonesia under
Number AHU-AH.01.03-0295214 dated July 8, 2019, and the notification of data changes had been received and recorded in
the Legal Entity Administration System of the Ministry of Law and Human Rights of the Republic of Indonesia under
Number AHU-AH.01.03-0295215 dated July 8, 2019.
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PROFIL PERUSAHAAN
Company Profile
Sekilas OK BANK
OK BANK at a Glance
Bank Dinar didirikan pada tahun 1990 dengan nama PT Liman International Bank dan memperoleh izin untuk
beroperasi sebagai Bank Umum. Pada tahap awal pendiriannya, Bank Dinar memfokuskan kegiatan usaha pada
pembangunan fondasi bisnis perbankan. Seiring dengan perkembangan industri keuangan nasional dan kebutuhan
untuk memperkuat posisi strategis, dilakukan penyesuaian identitas korporasi sebagai bagian dari langkah
transformasi. Perubahan tersebut secara resmi disahkan melalui Rapat Umum Pemegang Saham Luar Biasa
(RUPSLB) pada 8 November 2012, yang menetapkan perubahan nama menjadi PT Bank Dinar Indonesia.
Bank Dinar was established in 1990 under the name PT Liman International Bank and obtained a license to
operate as a Commercial Bank. In the initial stage of its establishment, Bank Dinar focused its business activities
on building the foundation of its banking operations. Along with the development of national financial industry
and the need to strengthen its strategic position, adjustments to the corporate identity were made as part of
a transformation initiative. These changes were officially approved through an Extraordinary General Meeting of
Shareholders (EGMS) on November 8, 2012, which resolved to change the name to PT Bank Dinar Indonesia.
Transformasi Bank Dinar berlanjut dengan langkah strategis Bank Dinar’s transformation continued with a strategic move into
memasuki pasar modal. Pada 11 Juli 2014, Bank Dinar secara the capital market. On July 11, 2014, Bank Dinar officially listed
resmi mencatatkan sahamnya di Bursa Efek Indonesia dengan its shares on Indonesia Stock Exchange under the ticker code
kode saham DNAR. Pencatatan saham ini membuka akses DNAR. This share listing provided broader access to funding
pendanaan yang lebih luas sekaligus memperkuat penerapan while also strengthening the implementation of good corporate
tata kelola perusahaan yang baik. Perkembangan tersebut turut governance. These developments attracted the interest
menarik minat investor asing, termasuk APRO Financial Co., Ltd., of foreign investors, including APRO Financial Co., Ltd.,
institusi keuangan asal Korea Selatan. Melalui transaksi yang a South Korean financial institution. Through a transaction
diselesaikan pada 25 Oktober 2018, APRO Financial Co., Ltd. completed on October 25, 2018, APRO Financial Co., Ltd.
mengakuisisi 77,38% saham Bank Dinar, yang menjadi tonggak acquired 77.38% of Bank Dinar’s shares, marking an important
penting dalam mendorong percepatan pengembangan usaha milestone in accelerating business development and enhancing
serta penguatan daya saing Bank menuju institusi perbankan the Bank’s competitiveness toward becoming a more modern
yang lebih modern dan kompetitif. and competitive banking institution.
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PT Bank Oke Indonesia, Tbk.
Momentum strategis berikutnya terjadi pada 8 Juli 2019, ketika The next strategic milestone occurred on July 8, 2019, when
PT Bank Dinar Indonesia, Tbk. melaksanakan penggabungan PT Bank Dinar Indonesia, Tbk. carried out a business merger
usaha (merger) dengan PT Bank Oke Indonesia, Tbk. (OK BANK), with PT Bank Oke Indonesia, Tbk. (OK BANK), which at that
yang pada saat itu juga berada di bawah pengendalian APRO time was also under the control of APRO Financial Co., Ltd.
Financial Co., Ltd. dengan kepemilikan saham sebesar 99%. Merger with a 99% shareholding. This merger represented a key step
ini menjadi langkah penting dalam proses konsolidasi usaha in the banking business consolidation process to strengthen
perbankan guna memperkuat struktur permodalan, meningkatkan the capital structure, expand operational scale, and optimize
skala operasional, serta mengoptimalkan sinergi bisnis dalam business synergies in response to increasingly dynamic
menghadapi persaingan industri yang semakin dinamis. industry competition.
OK BANK sendiri memiliki sejarah panjang dalam industri OK BANK itself has a long history in the national banking industry.
perbankan nasional. OK BANK didirikan pada tahun 1980 OK BANK was established in 1980 under the name Maskapai
dengan nama Maskapai Andil Indonesia Bank Pasar Seri Andil Indonesia Bank Pasar Seri Partha and obtained a license as
Partha dan memperoleh izin sebagai Bank Umum pada tahun a Commercial Bank in 1989. Along with business development,
1989. Seiring perkembangan usaha, dilakukan perubahan its name was changed to PT Bank Sri Partha in 1997, with
nama menjadi PT Bank Sri Partha pada tahun 1997 dengan a primary focus on financing the micro, small, and medium
fokus utama pada pembiayaan sektor usaha mikro, kecil, enterprises (MSME) sector, particularly in Bali region. After
dan menengah (UMKM), khususnya di wilayah Bali. Setelah undergoing several changes in ownership, PT Bank Sri Partha
melalui sejumlah perubahan kepemilikan, PT Bank Sri Partha received approval from Bank Indonesia to change its name to
memperoleh persetujuan dari Bank Indonesia untuk berganti Bank Andara on April 20, 2009, as part of efforts to strengthen
nama menjadi Bank Andara pada 20 April 2009 sebagai its business and expand its services.
bagian dari upaya penguatan bisnis dan perluasan layanan.
Perjalanan transformasi tersebut berlanjut dengan masuknya This transformation journey continued with the entry of
APRO Financial Co., Ltd. sebagai Pemegang Saham pengendali. APRO Financial Co., Ltd. as the controlling Shareholder. On
Pada 18 November 2016, APRO secara resmi mengakuisisi November 18, 2016, APRO officially acquired Bank Andara
Bank Andara melalui pembelian 40,00% saham baru, yang through the purchase of 40.00% of newly issued shares, as
ditandai dengan penandatanganan akta akuisisi. Selanjutnya, evidenced by the signing of the acquisition deed. Subsequently,
pada Mei 2017, APRO meningkatkan kepemilikannya dengan in May 2017, APRO increased its ownership by acquiring
mengakuisisi saham dari Pemegang Saham lain, sehingga shares from other shareholders, bringing its total shareholding
total kepemilikan mencapai 99,00%. Sejalan dengan penguatan to 99.00%. In line with the strengthening of this ownership
struktur kepemilikan tersebut, pada Agustus 2017 Bank Andara structure, in August 2017 Bank Andara officially changed its
resmi berganti nama menjadi PT Bank Oke Indonesia, Tbk., name to PT Bank Oke Indonesia, Tbk., after obtaining approval
setelah memperoleh persetujuan dari Otoritas Jasa Keuangan. from the Financial Services Authority.
Proses penggabungan usaha antara Bank Dinar dan OK BANK menetapkan OK BANK sebagai
bank yang menggabungkan diri, sementara Bank Dinar bertindak sebagai bank yang menerima
penggabungan (surviving bank). Penggabungan ini menghasilkan entitas perbankan dengan
struktur yang lebih solid, didukung oleh pengalaman yang terakumulasi, jaringan usaha yang
lebih luas, serta pemanfaatan teknologi modern untuk memperkuat kapasitas operasional dan
daya saing Bank.
The merger process between Bank Dinar and OK BANK designated OK BANK as the merging
bank, while Bank Dinar acted as the receiving bank (surviving bank). This merger resulted in
a banking entity with a more solid structure, supported by accumulated experience, a broader
business network, and utilization of modern technology to strengthen the Bank’s operational
capacity and competitiveness.
Sejak 26 Agustus 2019, OK BANK resmi beroperasi dengan nama Since August 26, 2019, OK BANK has officially operated under
PT Bank Oke Indonesia, Tbk., dan terus mengembangkan posisinya the name PT Bank Oke Indonesia, Tbk., and has continued to
sebagai institusi perbankan yang adaptif, inklusif, dan berbasis develop its position as an adaptive, inclusive, and technology-
teknologi. Melalui penguatan inovasi dan kualitas layanan, based banking institution. Through strengthened innovation
OK BANK secara berkelanjutan menghadirkan solusi finansial yang and service quality, OK BANK consistently delivers relevant
relevan guna memenuhi kebutuhan masyarakat Indonesia. financial solutions to meet the needs of Indonesian people.
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PROFIL PERUSAHAAN
Company Profile
Jejak Langkah Perusahaan
Company Milestone
Bank Oke Indonesia Bank Dinar Indonesia
1980 1990
- -
2017 2018
1980 - Berdiri dengan nama Maskapai Andil Indonesia Bank 1990 - Berdiri dengan nama PT Liman International Bank.
Pasar Seri Partha. Established under the name PT Liman International Bank.
Established under the name Maskapai Andil Indonesia Bank
Pasar Seri Partha.
1991 - Memperoleh izin operasi dari Bank Indonesia sebagai
Bank Umum.
1989 - Peningkatan status Maskapai Andil Indonesia Bank Obtaining operating license from Bank Indonesia as
Pasar Seri Partha menjadi Bank Umum dengan nama a Commercial Bank.
PT Bank Seri Partha.
Status of Maskapai Andil Indonesia Bank Pasar Seri Partha
2012 - Perubahan nama menjadi PT Bank Dinar Indonesia.
was upgraded into a Commercial Bank under the name
Change of name ot PT Bank Dinar Indonesia.
PT Bank Seri Partha.
2014 - Pencatatan perdana saham di Bursa Efek Indonesia
1997 - Perubahan nama dari PT Bank Seri Partha menjadi PT Bank
sehingga menjadi PT Bank Dinar Indonesia, Tbk. dengan
Sri Partha.
kode saham DNAR.
Change of name from PT Bank Seri Partha to PT Bank
Initial shares listing on Indonesia Stock Exchange resulting
Sri Partha.
in the establishment of PT Bank Dinar Indonesia, Tbk. with
a stock code DNAR.
2008 - Mercy Corps, IFC, HTF, dan Catholic Organization for Relief
and Development Aid (Cordaid) mengakuisisi PT Bank
2018 - Diakuisisi oleh APRO Financial Co., Ltd.
Sri Partha.
Acquired by APRO Financial Co., Ltd.
Mercy Corps, IFC, HTF, and Catholic Organization for
Relief and Development Aid (Cordaid) acquired PT Bank
Sri Partha.
2009 - Perubahan nama dari PT Bank Sri Partha menjadi PT Bank
Andara.
Change of name from PT Bank Sri Partha to PT Bank
Andara.
2016 - Diakuisisi oleh APRO Financial Co. Ltd.
Acquired by APRO Financial Co., Ltd.
2017 - Perubahan nama PT Bank Andara menjadi PT Bank Oke
Indonesia, Tbk.
Change of name from PT Bank Andara to PT Bank Oke
Indonesia, Tbk.
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PT Bank Oke Indonesia, Tbk.
2019 2023
- -
2022 2024
2019 - • Penambahan modal melalui Penawaran Umum Terbatas 2023 - • Mendapatkan Sertifikat ISO 27001:2013 - Sistem
(PUT) I dengan Hak Memesan Efek Terlebih Dahulu Manajemen Keamanan Informasi.
(HMETD). • Membuka Kantor Cabang di Bandung.
• Penggabungan usaha antara Bank Dinar Indonesia • Obtaining ISO 27001:2013 - Information Security
dan Bank Oke Indonesia dengan nama PT Bank Dinar Management System.
Indonesia, Tbk. di mana 91,33% saham dimiliki oleh • Opening a Branch Office in Bandung.
APRO Financial Co. Ltd.
• Perubahan nama dari PT Bank Dinar Indonesia, Tbk.
2024 - • Melakukan relokasi Kantor Cabang Pembantu di area
menjadi PT Bank Oke Indonesia, Tbk.
Cikarang, Jawa Barat.
• Capital increase through Limited Public Offering (PUT) I • Melakukan relokasi Kantor Cabang Pembantu di area
with Pre-emptive Rights (HMETD). Pantai Indah Kapuk, Jakarta.
• Merger between Bank Dinar Indonesia and Bank • Meningkatkan pelayanan 24 Jam melalui layanan
Oke Indonesia under the name PT Bank Dinar Call Center 7/24.
Indonesia, Tbk., with 91.33% of shares owned by • Mengadakan OK! Lucky Program atau program undian
APRO Financial Co., Ltd. berhadiah untuk nasabah yang melakukan penempatan
• Name change from PT Bank Dinar Indonesia, Tbk. to dana sebesar Rp500.000.000,- di mana nasabah
PT Bank Oke Indonesia, Tbk. mendapatkan kesempatan memenangkan grand prize
mobil Hyundai Kona.
2020 - Penambahan modal melalui Penawaran Umum Terbatas
• Relocating the Sub-Branch Office in Cikarang area,
(PUT) II dengan Hak Memesan Efek Terlebih Dahulu
West Java.
(HMETD).
• Relocating the Sub-Branch Office in Pantai Indah
Capital increase through Limited Public Offering (PUT) II Kapuk area, Jakarta.
with Pre-emptive Rights (HMETD). • Enhancing 24-hour service through the 7/24 Call Center.
• Organizing OK! Lucky Program, a prize draw for
2021 - Penambahan modal melalui Penawaran Umum Terbatas customers who placed funds of Rp500,000,000, giving
(PUT) III dengan Hak Memesan Efek Terlebih Dahulu them a chance to win a Hyundai Kona as the grand prize.
(HMETD).
Capital increase through Limited Public Offering (PUT) III
with Pre-emptive Rights (HMETD).
2022 - • PT Bank Oke Indonesia, Tbk. (OK BANK) meningkatkan
modal dasar perusahaan dari Rp2,50 triliun menjadi
Rp3 triliun.
• Penambahan modal melalui Penawaran Umum Terbatas
(PUT) IV dengan Hak Memesan Efek Terlebih Dahulu
(HMETD).
• PT Bank Oke Indonesia, Tbk. (OK BANK) increased
the Company’s authorized capital from Rp2.50 trillion
to Rp3 trillion.
• Capital increase through Limited Public Offering (PUT) IV
with Pre-emptive Rights (HMETD).
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PROFIL PERUSAHAAN
Company Profile
Bidang Usaha
Line of Business
Sesuai dengan Pasal 3 Anggaran Dasar OK BANK yang terakhir, In accordance with the latest Article 3 of OK BANK’s Articles
tujuan utama OK BANK adalah menjalankan usaha sebagai of Association, the main objective of OK BANK is to conduct
bank umum. Dalam mencapai maksud dan tujuan tersebut, business as a commercial bank. In achieving these goals and
OK BANK berwenang untuk mengelola berbagai kegiatan usaha objectives, OK BANK is authorized to manage various banking
perbankan, mulai dari penghimpunan dan penyaluran dana, business activities, from the collection and distribution of
penyediaan layanan jasa keuangan, hingga kegiatan pendukung funds, the provision of financial services, to other supporting
lain yang diperbolehkan oleh ketentuan perundang-undangan activities permitted under the prevailing laws and regulations
di sektor perbankan. Informasi lebih lengkap mengenai in the banking sector. More detailed information regarding
kegiatan usaha OK BANK diuraikan sebagai berikut: OK BANK’s business activities is described as follows:
Kegiatan Usaha yang
Dijalankan di Tahun 2025
Business Activities Carried
Kegiatan Usaha berdasarkan Anggaran Dasar Terakhir Out in 2025
Business Activities based on the Latest Articles of Association Belum
Sudah
Dijalankan
Dijalankan
Not Yet
Implemented
Implemented
Kegiatan Usaha Utama
Main Business Activities
1. Menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro, deposito berjangka, sertifikat
deposito, tabungan dan/atau bentuk lainnya yang dipersamakan dengan itu.
Collecting funds from the public in the form of deposits, such as demand deposits, time deposits,
certificates of deposits, savings, and/or other equivalent forms.
2. Memberikan kredit, baik untuk jangka panjang, jangka menengah, dan jangka pendek.
Providing credit for long-term, medium-term, and short-term periods.
3. Menerbitkan surat pengakuan utang.
Issuing debt acknowledgements.
4. Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk kepentingan dan/atau perintah
nasabahnya:
a. Surat-surat wesel termasuk wesel yang diakseptasi oleh bank yang masa berlakunya tidak lebih lama
dari kebiasaan dalam perdagangan surat-surat dimaksud;
b. Surat pengakuan utang dan kertas dagang lainnya yang masa berlakunya tidak lebih lama dari
kebiasaan dalam perdagangan surat-surat dimaksud;
c. Sertifikat Bank Indonesia (SBI);
d. Obligasi;
e. Surat dagang berjangka waktu; serta
f. Instrumen surat berharga lainnya.
Buying, selling, or guaranteeing at its own risk or on behalf of and/or at the request of its customers:
a. Bills of exchange, including those accepted by banks, with a validity period no longer than customary
in the trading of such instruments;
b. Debt acknowledgments and other trading papers with a validity period no longer than customary in
the trading of such instruments;
c. Bank Indonesia Certificates (SBI);
d. Bond;
e. Term trade certificates; and
f. Other securities instruments.
5. Memindahkan uang, baik untuk kepentingan sendiri maupun untuk kepentingan nasabah.
Transferring funds, either for its own interests or on behalf of customers.
6. Menempatkan dana pada, meminjam dana dari, atau meminjamkan dana kepada bank lain, baik dengan
menggunakan surat, sarana telekomunikasi maupun dengan wesel unjuk, cek atau sarana lainya.
Placing funds with, borrowing funds from, or lending funds to other banks, using letters,
telecommunication facilities or by money orders, checks or other means.
7. Menerima pembayaran dari tagihan atas surat berharga dan melakukan perhitungan dengan atau
antara pihak ketiga.
Receiving payments from claims on securities and conducting settlements with or between third parties.
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Kegiatan Usaha yang
Dijalankan di Tahun 2025
Business Activities Carried
Kegiatan Usaha berdasarkan Anggaran Dasar Terakhir Out in 2025
Business Activities based on the Latest Articles of Association Belum
Sudah
Dijalankan
Dijalankan
Not Yet
Implemented
Implemented
8. Menyediakan tempat untuk menyimpan barang dan surat berharga.
Providing storage facilities for goods and securities.
9. Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu kontrak.
Performing custodial services for the benefit of other parties based on a contract.
10. Melakukan penempatan dana dari nasabah kepada nasabah lainnya dalam surat berharga yang tidak
tercatat di bursa efek.
Facilitating the placement of funds from one customer to another in securities that are not listed
on the stock exchange.
11. Membeli melalui pelelangan agunan, baik semua maupun sebagian, dalam hal debitur tidak memenuhi
kewajibannya kepada Bank, dengan ketentuan agunan yang dibeli tersebut wajib dicairkan secepatnya.
Purchasing collateral through auction, in whole or in part, in cases where the debtor fails to fulfill
obligations to the Bank, with the condition that the acquired collateral must be liquidated as soon as
possible.
12. Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali amanat.
Conducting factoring, credit card business, and trustee activities.
13. Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang ditetapkan oleh Bank
Indonesia serta peraturan perundang-undangan yang berlaku.
Conducting foreign exchange transactions in compliance with the regulations set by Bank Indonesia
and applicable laws and regulations.
14. Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain di bidang keuangan, seperti
sewa guna usaha, modal ventura, perusahaan efek, asuransi serta lembaga kliring penyelesaian dan
penyimpanan, dengan memenuhi ketentuan yang ditetapkan oleh Bank Indonesia.
Conducting equity participation in banks or other financial sector companies, such as leasing, venture
capital, securities companies, insurance, and clearing, settlement, and depository institutions, in
accordance with Bank Indonesia regulations.
15. Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat kegagalan kredit dengan
syarat harus menarik kembali penyertaannya, dengan memenuhi ketentuan yang ditetapkan oleh Bank
Indonesia.
Conducting temporary equity participation activities to address the consequences of credit failures,
provided that the investment must be withdrawn in compliance with Bank Indonesia regulations.
16. Bertindak sebagai pendiri dana pensiun dan mengurus dana pensiun sesuai dengan ketentuan-
ketentuan dalam peraturan perundang-undangan dana pensiun yang berlaku.
Acting as a pension fund founder and managing pension funds in accordance with the applicable
pension fund regulations.
Kegiatan Usaha Penunjang
Supporting Business Activities
Melakukan kegiatan lain yang lazim dilakukan oleh bank sepanjang tidak bertentangan dengan peraturan
perundang-undangan yang berlaku, termasuk antara lain tindakan dalam rangka restrukturisasi atau
penyelamatan kredit antara lain membeli agunan, baik semua maupun sebagian, melalui lelang atau
dengan cara lain, dalam hal debitur tidak memenuhi kewajibannya kepada bank, dengan ketentuan agunan
yang dibeli wajib dicairkan secepatnya.
Carrying out other activities commonly conducted by banks, as long as they do not conflict with
applicable laws and regulations, including but not limited to actions related to restructuring or credit
rescue, such as purchasing collateral, either in whole or in part, through auctions or other means, in
cases where the debtor fails to fulfill their obligations to the Bank, provided that the purchased collateral
must be liquidated as soon as possible.
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PROFIL PERUSAHAAN
Company Profile
Produk dan Layanan [POJK C.4]
Products and Services
Beragam produk dan layanan keuangan disediakan OK BANK OK BANK provides a wide range of financial products and
untuk menjawab kebutuhan nasabah, baik perorangan maupun services to address the needs of customers, both individuals
pelaku usaha, yang mendukung aktivitas keuangan sehari-hari. and business entities, in supporting their daily financial
Melalui rangkaian solusi yang dirancang agar mudah diakses activities. Through various solutions designed to be easily
dan relevan dengan perkembangan pasar, OK BANK berupaya accessible and relevant to market developments, OK BANK
memberikan pengalaman perbankan yang praktis, aman, dan strives to deliver a banking experience that is practical, secure,
dapat diandalkan bagi setiap segmen nasabah. Informasi lebih and reliable for every customer segment. Further information
lanjut mengenai produk dan layanan yang ditawarkan OK BANK regarding the products and services offered by OK BANK is
diuraikan sebagai berikut: described as follows:
Pinjaman Loans
Pinjaman Retail Bisnis Business Retail Loans
• Produk Program Kredit Potong Gaji (KPG), merupakan pembiayaan • Salary Deduction Credit Program (SDC) product, a financing program
yang dikhususkan kepada karyawan perusahaan yang bekerja sama specifically designed for employees of companies that collaborate
dengan OK BANK, dalam hal kebutuhan dana untuk apa saja, bagi with OK BANK to provide funds for any financial needs of employees
karyawan dan keluarganya; and their families;
• Produk Program Pembiayaan Multiguna dengan Jaminan adalah • Multipurpose Financing Program product with Collateral, a financing
pembiayaan dengan target UMKM dan juga masyarakat umum. program targeted at MSMEs and the general public. This financing
Pembiayaan ini menggunakan jaminan fix asset; serta requires fixed asset collateral; and
• Produk Program Merchant Loan, yaitu merupakan program pembiayaan • Merchant Loan Program Product, an unsecured financing program for
tanpa jaminan untuk kebutuhan multiguna dengan limit sampai dengan multipurpose needs, with a loan limit of up to Rp200 million.
Rp200 juta.
Pinjaman Bisnis Komersial Commercial Business Loans
• Pinjaman Rekening Koran; • Current Account Loans;
• Pinjaman Modal Kerja; serta • Working Capital Loans; and
• Pinjaman Investasi. • Investment Loans.
Simpanan Savings
Dana Pihak Ketiga (DPK) Third Party Funds (TPF)
Untuk menghimpun dana dari pihak ketiga, Bank mengeluarkan produk In order to raise funds from third parties, the Bank issues its deposits
simpanannya sebagai berikut: products, namely:
Deposito Berjangka Time Deposits
Deposito ditawarkan dengan jangka waktu 1 (satu), 3 (tiga), 6 (enam), dan Deposits are offered with terms of 1 (one), 3 (three), 6 (six), and
12 (dua belas) bulan, serta dapat diperpanjang sesuai keinginan nasabah 12 (twelve) months, and can be extended according to the customer’s
dan terbagi atas 3 segmen di antaranya adalah: preference and are divided into 3 segments, as follows:
• Deposito Berjangka LKM, yakni deposito berjangka untuk LKM agar • MFI Time Deposits, time deposits for Microfinance Institutions (MFI) to
nasabah dapat melakukan pengelolaan likuiditas yang lebih baik; help customers manage liquidity more effectively;
• Deposito Berjangka Korporasi, yakni deposito berjangka yang ditujukan • Corporate Time Deposits, time deposits designed for corporations;
bagi korporasi;
• Deposito Berjangka Individual, yakni deposito berjangka yang ditujukan • Individual Time Deposits, time deposits designed for individual
bagi individu; customers;
• Deposito Online, yakni E-Time Deposit yang merupakan deposito • Online Deposits, E-Time Deposits which are time deposits designed for
berjangka yang ditujukan bagi individu melalui media e-channel (mobile individuals, accessible via e-channel (mobile banking); and
banking); serta
• OK TD Breakable, yakni deposito berjangka yang ditujukan bagi LKM, • OK TD Breakable, time deposits available for Microfinance Institutions
korporasi, dan individual di mana deposito dapat dicairkan setelah (MFI), corporations, and individuals, which can be withdrawn after
1 (satu) bulan tanpa dikenakan biaya administrasi dan bunga dibayarkan 1 (one) month without administrative fees and interest paid according
sesuai kontrak awal pembukaan. to the initial contract.
Tabungan Savings
Merupakan produk dana simpanan yang menjangkau semua kalangan, A savings fund product that reaches all people, safe, and flexible.
aman, dan fleksibel. Saat ini produk tabungan yang sudah tersedia di Currently, available savings products include:
antaranya:
• OK Savings; • OK Savings;
• OK Taman Savings; • OK Taman Savings;
• OK Savings Plan; • OK Savings Plan;
• Tabungan Bisnis; serta • Business Savings; and
• OK Banget Savings. • OK Banget Savings.
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Simpanan Savings
Giro Current Accounts
Merupakan produk dana simpanan yang relatif lebih fleksibel untuk A savings fund product that offers greater flexibility for liquidity
pengaturan likuiditas dan transaksi. Saat ini, produk giro yang sudah management and transactions. Currently, the available current accounts
tersedia di antaranya: products include:
• OK Giro; serta • OK Giro; and
• OK Banget Giro. • OK Banget Giro.
Layanan Services
Dalam rangka menunjang bisnis, OK BANK juga menyediakan berbagai To support its business, OK BANK also provides various services that add
layanan yang dapat memberikan nilai tambah positif bagi customer positive value for its customers, including:
OK BANK, antara lain:
• Transfer dana melalui RTGS dan SKN; • Fund transfers via RTGS and SKN;
• E-Channel (Internet Banking/Mobile Banking); • E-Channel (Internet Banking/Mobile Banking);
• Layanan ATM/Debit Bersama; • ATM/Debit Bersama services;
• Pembayaran Telepon; • Telephone bill payments;
• Sewa Safe Deposit Box (SDB); • Safe Deposit Box (SDB) rental;
• OK EDC; • OK EDC;
• Virtual Account; serta • Virtual Account; and
• OK! BPR (d/h Bank Oke Bersama BPR (OBB)) adalah suatu forum • OK! BPR (formerly known as Bank Oke Bersama BPR (OBB)) is
kebersamaan antara Bank Perkreditan Rakyat (BPR) anggota a collaborative forum for Rural Banks (BPR) that are members of
Perhimpunan Bank Perkreditan Rakyat Indonesia (PERBARINDO), the Indonesian Rural Banks Association (PERBARINDO). It was
dibentuk untuk melakukan kegiatan bersama mengembangkan established to facilitate joint activities in developing BPR businesses
usaha BPR dan sumber dayanya agar dapat berkembang lebih and resources for better growth. OK! BPR services include
baik. Layanan OK! BPR di antaranya adalah penghimpunan dana fund pooling, liquidity mismatch support, and various technical
(fund pooling), penyediaan likuiditas mismatch, dan beberapa bantuan assistance programs. Currently, OK! BPR operates actively in Bali,
teknis (technical assistance). Saat ini, OK! BPR masih aktif di Bali, with 95 BPR members under OBB Bali.
dengan jumlah anggota OBB Bali 95 BPR.
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PROFIL PERUSAHAAN
Company Profile
Wilayah Operasi OK BANK [POJK C.3]
OK BANK's Operational Area
Jakarta Jawa Tengah Jawa Timur Bali
1 Kantor Pusat Central Java East Java 1 Kantor Cabang
1 Head Office 1 Kantor Cabang 1 Kantor Cabang 1 Branch Office
1 Kantor Cabang 1 Branch Office 1 Branch Office
1 Branch Office
8 Kantor Cabang Pembantu
8 Sub-Branch Office
Jawa Barat
West Java
1 Kantor Cabang
Banten 1 Branch Office
1 Kantor Cabang Pembantu 1 Kantor Cabang Pembantu Pulau Jawa dan Bali, Indonesia
1 Sub-Branch Office 1 Sub-Branch Office Java and Bali Island, Indonesia
BERDASARKAN JUMLAH PROVINSI
Based on Number of Provinces
Kantor Jawa Barat Jawa Tengah Jawa Timur
Jakarta Banten Bali
Office(s) West Java Central Java East Java
Kantor Pusat
Head Office 1 - - - - -
Kantor Cabang
Branch Office 1 - 1 1 1 1
Kantor Cabang Pembantu
Sub-Branch Office 8 1 1 - - -
KANTOR PUSAT
Head Office
PT Bank Oke Indonesia, Tbk.
Jl. Ir. H. Juanda No. 12
Jakarta Pusat / Central Jakarta 10120, Indonesia
(021) 231 2633 (021) 231 2604 customercare@okbank.co.id 150-112
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KANTOR CABANG
Branch Office
Juanda Semarang
Jl. Ir. H. Juanda No. 12 Jl. Pemuda No. 45-51, Pandansari
Jakarta Pusat / Central Jakarta Semarang, Jawa Tengah / Central Java
(021) 231 2633 (024) 8604 1171
(021) 231 2604 customercare@okbank.co.id
customercare@okbank.co.id
Surabaya Denpasar
Jl. Manyar Kertoarjo No. 45 Jl. Teuku Umar No. 173
Surabaya, Jawa Timur / East Java Denpasar Barat / West Denpasar
(031) 359 54001 Bali – 80114
customercare@okbank.co.id (0361) 227 721
customercare@okbank.co.id
Bandung
Jl. Pasir Kaliki No. 161, Pamoyanan, Kec. Cicendo
Kota Bandung / Bandung City
Jawa Barat / West Java 40173
(022) 2059 7570
customercare@okbank.co.id
KANTOR CABANG PEMBANTU
Sub-Branch Office
Sudirman Cikarang
Gedung Wisma Nugra Santana, Lt. Ground / Ground Floor Ruko Robson Square Lippo Cikarang
Jl. Jenderal Sudirman Kav. 7-8 Jl. MH. Thamrin Blok B6, Kota Cikarang, Desa Cibatu
Jakarta Pusat / Central Jakarta 10220 Kec. Cikarang Selatan
(021) 570 2600 (021) 387 3505
customercare@okbank.co.id customercare@okbank.co.id
Mangga Dua Pantai Indah Kapuk (PIK)
Ruko Harco Mangga Dua Blok I No. 3 Ruko Metro Broadway The Gallery
Jakarta Utara / North Jakarta Jl. Pantai Indah Utara 2 No. DF Blok 8
(021) 600 5588 Kapuk Muara, Penjaringan
customercare@okbank.co.id Jakarta Utara / North Jakarta 14460
(021) 300 5100
customercare@okbank.co.id
Pondok Indah Kelapa Gading
Plaza V, Pondok Indah Blok B-03 Jl. Raya Boulevard Barat Blok LC. 7 No. 16
Jl. Margaguna Raya, Kel. Gandaria Utara Jakarta Utara / North Jakarta
Kec. Kebayoran Baru (021) 451 5367, 451 5368
Jakarta Selatan / South Jakarta 12140 customercare@okbank.co.id
(021) 739 4007
customercare@okbank.co.id
Wahid Hasyim Taman Ratu
Jl. KH. Wahid Hasyim No. 212, Kel. Kampung Bali Jl. Komplek Perumahan Taman Ratu Indah Blok AA2 No. 31
Kec. Tanah Abang (021) 2125 2815
Jakarta Pusat / Central Jakarta 10250 customercare@okbank.co.id
(021) 310 5105, 310 5106
customercare@okbank.co.id
Perniagaan Gading Serpong
Jl. Pasar Pagi Raya No. 33, Roa Malaka Ruko Alexsandrite Blok ALX 03 No. 25
Jakarta Barat / West Jakarta Jl. Boulevard Gading Serpong, Tangerang
(021) 690 7170 (021) 2222 0029
customercare@okbank.co.id customercare@okbank.co.id
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Company Profile
Perubahan Signifikan [POJK C.6] [GRI 2-6]
Significant Changes
Sepanjang tahun 2025, tidak terdapat perubahan signifikan Throughout 2025, there were no significant changes at
yang terjadi pada OK BANK. Selain itu, struktur rantai pasokan OK BANK. OK BANK’s supply chain structure also did not
OK BANK juga tidak mengalami perubahan signifikan. Dengan undergo any significant changes. Accordingly, this Annual
demikian, Laporan Tahunan dan Laporan Keberlanjutan ini tidak Report and Sustainability Report do not present information
menyajikan informasi mengenai penutupan atau pembukaan regarding the closure or opening of new branches,
cabang baru, pembukaan atau penutupan unit usaha baru, the establishment or closure of new business units, or
maupun penggabungan usaha. any business merger.
Keanggotaan dalam Asosiasi [POJK C.5] [GRI 2-28]
Membership in Association
Dalam memperkuat posisi dan kontribusi di industri keuangan, In strengthening its position and contribution within the financial
OK BANK senantiasa menjalin keterlibatan aktif dalam berbagai industry, OK BANK consistently maintains active participation
asosiasi sektor keuangan yang relevan. Melalui keanggotaan ini, in various relevant financial sector associations. Through
OK BANK dapat berpartisipasi dalam pengembangan standar, such memberships, OK BANK is able to participate in
berbagi pengetahuan, dan mengikuti dinamika regulasi serta the development of standards, share knowledge, and keep
praktik terbaik yang mendorong pertumbuhan industri secara abreast of regulatory dynamics and best practices that support
sehat dan berkelanjutan. Informasi mengenai keanggotaan healthy and sustainable industry growth. Information regarding
asosiasi OK BANK diuraikan sebagai berikut: OK BANK’s association memberships is outlined as follows:
Nama Posisi Lingkup
No.
Name Position Scope
Perhimpunan Bank Nasional (Perbanas) Anggota Nasional
1.
National Bank Association (Perbanas) Member National
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) Anggota Nasional
2.
Communication Forum of Banking Compliance Directors (FKDKP) Member National
Asosiasi Sistem Pembayaran Indonesia (ASPI) Anggota Nasional
3.
Indonesian Payment System Association (ASPI) Member National
Anggota Nasional
4. ATM Bersama
Member National
Ikatan Bankir Indonesia (IBI) Anggota Nasional
5.
Indonesian Bankers Association (IBI) Member National
Anggota Nasional
6. ALTO
Member National
Pefindo Biro Kredit Anggota Nasional
7.
Pefindo Credit Agency Member National
Forum Komunikasi Direktur Operasional Perbankan (FKDOP) Anggota Nasional
8.
Communication Forum for Banking Operations Directors (FKDOP) Member National
Anggota Nasional
9. Indonesia Corporate Secretary Association (ICSA)
Member National
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PROFIL PERUSAHAAN
Company Profile
Visi, Misi, dan Nilai OK BANK
OK BANK's Vision, Mission, and Values
Untuk menjadi bank terbaik
dalam memprioritaskan
VISI pelayanan prima.
To become the best bank in
VISION prioritizing service
excellent.
Untuk memberikan
kepercayaan kepada pelanggan
serta memberikan kontribusi
MISI kepada masyarakat dengan
layanan terbaik.
MISSION
To give trust to customers
and contribute to the society
with the best service.
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Nilai-Nilai Perusahaan
Corporate Values
Tinjauan Visi dan Misi oleh BUDAYA KERJA YANG BERORIENTASI PADA KEUNTUNGAN
Dewan Komisaris dan Direksi Profit Oriented Work Culture
Penelaahan terhadap Visi dan Misi
dilakukan secara berkala oleh Dewan
Komisaris dan Direksi sebagai bagian Berusaha keras untuk mengembangkan
dari komitmen untuk memastikan arah budaya kerja yang berorientasi pada
strategis OK BANK tetap sejalan dengan keuntungan.
perkembangan lingkungan usaha. Proses
Strive to develop a profit-oriented work
ini melibatkan evaluasi menyeluruh
culture.
atas kondisi industri, dinamika regulasi,
dan kebutuhan pemangku kepentingan
agar landasan strategis OK BANK
selalu mencerminkan tujuan jangka
panjang yang ingin dicapai. PRIORITAS DALAM LAYANAN PELANGGAN
Priority in Customer Services
Hasil peninjauan yang dilakukan untuk
tahun buku 2025, menunjukkan bahwa
Visi dan Misi OK BANK masih relevan
dengan karakteristik dan tuntutan Klien kami adalah alasan kehadiran kami
industri perbankan saat ini. Hal ini hari ini. PT Bank Oke Indonesia, Tbk.
menegaskan bahwa arah panduan akan selalu mengutamakan kepuasan
strategis yang dimiliki OK BANK dinilai pelanggan.
mampu mendukung pertumbuhan Our clients are the reason we are here
yang berkelanjutan dan memperkuat today. PT Bank Oke Indonesia, Tbk. will
posisi dalam memberikan layanan dan always prioritize customer satisfaction.
nilai tambah bagi nasabah.
KEHADIRAN DALAM KODE ETIK
Review of Vision and Mission Proficiency in the Code of Conduct
by the Board of Commissioners
and Board of Directors
Kode etik menghayati nilai-nilai kita dan
The Vision and Mission are periodically memenuhi janji merek kita dalam segala
reviewed by the Board of Commissioners
hal yang kita lakukan.
and Board of Directors as part of
a commitment to ensuring that OK BANK’s Our code of conduct lives up to our values
strategic direction remains aligned with and delivers on our brand promise in
the business environment developments. everything we do.
This process involves a comprehensive
evaluation of industry conditions,
regulatory dynamics, and stakeholder needs
so that OK BANK’s strategic foundation KERJA TIM YANG KUAT
consistently reflects the long-term Strong Teamwork
objectives to be achieved.
The review results for the 2025
financial year indicate that OK BANK’s Pentingnya kerja tim di tempat kerja
Vision and Mission remain relevant to sangat penting untuk keberhasilan
the characteristics and demands of bank dan untuk pengembangan karyawan.
the current banking industry. This affirms
The importance of teamwork in
that OK BANK’s strategic guiding direction
the workplace is critical for the success of
is considered capable of supporting
the bank and for employee development.
sustainable growth and strengthening
its position in delivering services and
added value to customers.
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PROFIL PERUSAHAAN
Company Profile
Struktur Organisasi [GRI 2-9]
Organizational Structure
Remuneration and Risk Oversight
Audit Committee
Nomination Committee Committee
Risk Management
IT Steering Committee Loan Committee ALCO
Committee
Corp. Planning Division
AI Strategy & Compliance Director Credit Director
Transformation Unit
Credit Review
Compliance Division
Division
Risk Management Loan Assets
Division Management Division
HC & Corporate
Secretary Division
Legal Division
Informasi nama pejabat pada Struktur Organisasi disampaikan pada uraian Profil dan informasi Pejabat Eksekutif berikut:
Information on the names of officials in the Organizational Structure is presented in the following Profile and Executive Officer description:
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Shareholder's
Meeting
Board of
Commissioners
Credit Policy Product Development
Board of Directors
Committee Committee
CEO Internal Audit
Deputy President
Business Director
Director
Marketing
Business 1 Division GA Division Finance Division
Comm Division
Retail Business
Business 2 Division Funding Division 1
Development Division
IT Planning
Business 3 Division Funding Division 2
Division
Funding Product
IT Operation
Business 4 Division Business Branches Development
Division
Department
Credit Analyst
Treasury Division Operation Division
Department
Retail Credit and Digital IT Security &
Operation Branches
Strategy Division Resilience Unit
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PROFIL PERUSAHAAN
Company Profile
Profil Dewan Komisaris
Board of Commissioners' Profile
3 1 2
Keterangan / Description:
1. Sang Ton Sim (Komisaris Utama / President Commissioner);
2. Sondang Martha Samosir (Komisaris Independen / Independent Commissioner); dan / and
3. Chairudin (Komisaris Independen / Independent Commissioner).
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Sang Ton Sim
Komisaris Utama
President Commissioner
KEBANGSAAN
Nationality
Korea Selatan / Korean
DOMISILI
Domicile
Seoul
USIA
Age
56 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat sebagai Komisaris Utama berdasarkan Keputusan RUPSLB Appointed as President Commissioner based on the EGMS Resolution
tanggal 15 Mei 2024 dan telah mendapatkan persetujuan OJK pada dated May 15, 2024 and approved by OJK on October 16, 2024.
tanggal 16 Oktober 2024.
Riwayat Pendidikan Educational Background
Sarjana Business Administration dari Korea University (1994). Bachelor's degree in Business Administration from Korea University
(1994).
Riwayat Jabatan Professional Background
• Director Sun-Consulting (2001-2004); • Director of Sun-Consulting (2001-2004);
• Senior Manager Woori Bank (1998-2001); serta • Senior Manager of Woori Bank (1998-2001); and
• Manager Sandong Accounting Firm (1994-1998). • Manager of Sandong Accounting Firm (1994-1998).
Rangkap Jabatan Concurrent Position
• CEO OK Holdings Co., Ltd. (Korea) (sejak 2021); • CEO of OK Holdings Co., Ltd. (Korea) (since 2021);
• CEO APRO Financial Co., Ltd. (Korea) (sejak 2014); serta • CEO of APRO Financial Co., Ltd. (Korea) (since 2014); and
• CEO OK NEXT Co., Ltd. (d/h APRO Financial) (sejak 2004). • CEO of OK NEXT Co., Ltd. (formerly APRO Financial) (since 2004).
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 6 (2024); • Risk Management Certification Level 6 (2024);
• Certificate of Competence oleh Lembaga Sertifikasi Profesional • Certificate of Competence by the Banking Professional Certification
Perbankan (LSPP) – Level 6 (2024); serta Agency (LSPP) – Level 6 (2024); and
• Certificated Public Accountant (CPA) oleh Financial Supervisiory • Certified Public Accountant (CPA) by the Financial Supervisory
Service in Korea – Level CPA (1995). Service in Korea – CPA Level (1995).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris Has no affiliation with other members of the Board of Commissioners,
lainnya, Anggota Direksi, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholder, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
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PROFIL PERUSAHAAN
Company Profile
Sondang Martha Samosir
Komisaris Independen
Independent Commissioner
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
63 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
• Diangkat pertama kali sebagai Komisaris Independen berdasarkan • Appointed for the first time as an Independent Commissioner
Keputusan RUPSLB tanggal 11 Mei 2022 dan telah mendapatkan based on the EGMS Resolution dated May 11, 2022, and obtained
persetujuan OJK pada tanggal 8 Agustus 2022; serta approval from OJK on August 8, 2022; and
• Diangkat kembali sebagai Komisaris Independen berdasarkan • Reappointed as an Independent Commissioner based on the EGMS
Keputusan RUPSLB tanggal 22 Mei 2025. Resolution dated May 22, 2025.
Riwayat Pendidikan Educational Background
• Master of Management dari STIE IPWI (1999); serta • Magister of Management of STIE IPWI (1999); and
• Sarjana Ekonomi dari Universitas Sumatera Utara (1985). • Bachelor’s Degree in Economics of Universitas Sumatera Utara
(1985).
Riwayat Jabatan Professional Background
• Advisor Departemen Riset Jasa Keuangan pada Departemen • Advisor at Financial Services Research Department under
Organisasi dan Sumber Daya Manusia OJK (2020-2022); Organization and Human Resources Department of OJK
(2020-2022);
• Direktur Eksekutif/Kepala Departemen Literasi dan Inklusi Keuangan • Executive Director/Head of Financial Literacy and Inclusion
OJK (2018-2020); Department of OJK (2018-2020);
• Advisor Departemen Pengendalian Kualitas Pengawasan Perbankan • Advisor at Banking Supervision Quality Control Department of OJK
OJK (2017-2018); (2017-2018);
• Direktur Direktorat Perlindungan Konsumen OJK (2013-2017); • Director of Consumer Protection Directorate of OJK (2013-2017);
serta and
• Bank Indonesia jabatan terakhir sebagai Direktur (April 1987-2013). • Bank Indonesia with the last position as Director (April 1987-2013).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun She does not hold any concurrent positions, either within or outside
eksternal OK BANK. of OK BANK.
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 6 (2024); • Risk Management Certification Level 6 (2024);
• Sertifikasi Manajemen Risiko Perbankan Level 6 oleh Lembaga • Banking Risk Management Certification Level 6 by the Professional
Sertifikasi Profesi Lembaga Sertifikasi Profesional Perbankan Certification Institute of Banking Professional Certification Agency
(LSP LSPP) (2024); (LSP LSPP) (2024);
• Refreshment Risk Management for Top Level (2023); • Refreshment Risk Management for Top Level (2023);
• Sertifikasi Manajemen Risiko Perbankan Level 2 oleh Lembaga • Banking Risk Management Certification Level 2 by the Banking
Sertifikasi Profesi Perbankan (LSPP) (2022); Professional Certification Institute (LSPP) (2022);
• Certified Interviewer of Targeted Selection (Sertifikasi Pewawancara) • Certified Interviewer of Targeted Selection (Interviewer Certification)
(2009); (2009);
• Sertifikasi Pengawas Bank (2006); • Bank Supervisor Certification (2006);
• Mediasi - Pusat Mediasi Nasional (2006); serta • Mediation - National Mediation Center (2006); and
• Mediasi - Learning Center DSDM (2006). • Mediation - DSDM Learning Center (2006).
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Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris Has no affiliation with other members of the Board of Commissioners,
lainnya, Anggota Direksi, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
Pernyataan Independensi Statement of Independence
Beliau diangkat sebagai Komisaris Independen untuk periode kedua She was appointed as an Independent Commissioner for
sehingga tidak memiliki kewajiban untuk menandatangani surat the second period and therefore is not required to sign a statement
pernyataan independensi dalam hal Komisaris Independen telah of independence, which applies to Independent Commissioners who
menjabat lebih dari 2 (dua) periode. have served more than 2 (two) periods.
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PROFIL PERUSAHAAN
Company Profile
Chairudin
Komisaris Independen
Independent Commissioner
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
65 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat pertama kali sebagai Komisaris Independen berdasarkan Appointed for the first time as an Independent Commissioner based
Keputusan RUPSLB tanggal 11 Mei 2023 dan telah mendapatkan on the EGMS Resolution dated May 11, 2023, and obtained approval
persetujuan OJK pada tanggal 17 Juli 2023. from OJK on July 17, 2023.
Riwayat Pendidikan Educational Background
Sarjana Akuntansi dari Universitas Swadaya Gunung Jati, Cirebon Bachelor's degree in Accounting from Universitas Swadaya Gunung
(2001). Djati, Cirebon (2001).
Riwayat Jabatan Professional Background
• Head of Regulatory Compliance DBS Bank of Indonesia • Head of Regulatory Compliance of DBS Bank Indonesia
(2020-2023); (2020-2023);
• Deputy Director OJK (2014-2020); • Deputy Director of OJK (2014-2020);
• Bank Supervisor Bank Indonesia, Jakarta (2003-2006); • Bank Supervisor of Bank Indonesia, Jakarta (2003-2006);
• Bank Indonesia, Jambi (1998-2003); serta • Bank Indonesia, Jambi (1998-2003); and
• Bank Indonesia, Jakarta (1984-1992). • Bank Indonesia, Jakarta (1984-1992).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun He does not hold any concurrent positions, either within or outside
eksternal OK BANK. of OK BANK.
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 6 (2024); • Risk Management Certification Level 6 (2024);
• Sertifikasi Manajemen Risiko Perbankan Level 6 oleh Lembaga • Banking Risk Management Certification Level 6 by the Professional
Sertifikasi Profesi Lembaga Sertifikasi Profesional Perbankan Certification Institute of Banking Professional Certification Agency
(LSP LSPP) (2024); (LSP LSPP) (2024);
• Program Pembekalan Manajemen Risiko bagi Calon Anggota • Risk Management Training Program for Prospective Board of
Komisaris oleh Lembaga Pengembangan Perbankan Indonesia Commissioners Members by the Indonesian Banking Development
(LPPI) (2023); Institute (LPPI) (2023);
• Sertifikasi Manajemen Risiko Level 4 oleh Badan Sertifikasi • Risk Management Certification Level 4 by the Risk Management
Manajemen Risiko (BSMR) (2022); Certification Agency (BSMR) (2022);
• Program Pengembangan Kepemimpinan Berjenjang PPKB Level • Tiered Leadership Development Program (PPKB) Intermediate
Madya oleh Otoritas Jasa Keuangan (2016); Level by the Financial Services Authority (2016);
• Sertifikasi Sektor Perbankan oleh Bank Indonesia (2011); • Banking Sector Certification by Bank Indonesia (2011);
• Risk Based Bank Supervision oleh Bank Indonesia (2011); • Risk Based Bank Supervision by Bank Indonesia (2011);
• Program Kepemimpinan Indonesia I oleh Bank Indonesia (2010); • Indonesia Leadership Program I by Bank Indonesia (2010);
• Pedoman Akuntansi Perbankan Indonesia oleh Ikatan Akuntan • Indonesian Banking Accounting Guidelines by the Institute of
Indonesia (2009); Indonesia Chartered Accountants (2009);
• Sertifikasi Perbankan Do or Delegate oleh Lembaga Manajemen • Banking Do or Delegate Certification by IMMI Management
IMMI (2005); Institute (2005);
• Bank - Pengawasan & Pemeriksaan Bank oleh Institut Bankir • Bank - Supervision & Examination by the Indonesian Bankers
Indonesia (2001); serta Institute (2001); and
• Pendidikan Calon Pemeriksa/Analis Bank oleh Bank Indonesia • Education of Prospective Bank Examiner/Analyst by Bank Indonesia
(1992). (1992).
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Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris Has no affiliation with other members of the Board of Commissioners,
lainnya, Anggota Direksi, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
Pernyataan Independensi Statement of Independence
Beliau diangkat sebagai Komisaris Independen untuk periode kedua He was appointed as an Independent Commissioner for his second
sehingga tidak memiliki kewajiban untuk menandatangani surat period. Thus, he is not required to sign a statement of independence,
pernyataan independensi dalam hal Komisaris Independen telah which applies to Independent Commissioners serving more than 2
menjabat lebih dari 2 (dua) periode. (two) terms.
Perubahan Komposisi Anggota Dewan Changes in the Board of Commissioners’
Komisaris dan Alasan Perubahannya Composition and Reasons for Changes
Pada tahun 2025, tidak terdapat perubahan komposisi anggota In 2025, there were no changes to the composition of OK BANK’s
Dewan Komisaris OK BANK. Komposisi Dewan Komisaris Board of Commissioners. The current composition of OK BANK’s
OK BANK saat ini telah memenuhi ketentuan dalam Board of Commissioners complies with the provisions of
POJK Nomor 33/POJK.04/2014 tentang Direksi dan Dewan POJK Number 33/POJK.04/2014 on the Board of Directors and
Komisaris Emiten atau Perusahaan Publik. Board of Commissioners of Issuers or Public Companies.
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PROFIL PERUSAHAAN
Company Profile
Profil Direksi
Board of Directors' Profile
3 2 1 5 4
Keterangan / Description:
1. Kang Bong Joo (Direktur Utama / President Director);
2. Hendra Lie (Wakil Direktur Utama / Vice President Director); dan / and
3. Vincentia M. Djuniwati Wijaya (Direktur Bisnis / Director of Business);
4. Jong Ha Lee (Direktur Kredit / Director of Credit); dan / and
5. Efdinal Alamsyah (Direktur Kepatuhan / Director of Compliance).
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PT Bank Oke Indonesia, Tbk.
Kang Bong Joo1)
Direktur Utama
President Director
KEBANGSAAN
Nationality
Korea Selatan / Korean
DOMISILI
Domicile
Jakarta
USIA
Age
60 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat sebagai Direktur Utama berdasarkan Keputusan RUPSLB Appointed as President Director based on the EGMS Resolution dated
tanggal 19 Februari 2025 dan telah mendapatkan persetujuan OJK February 19, 2025, and obtained approval from OJK on May 20, 2025.
pada tanggal 20 Mei 2025.
Riwayat Pendidikan Educational Background
• Department of Public Administration dari Korea University (1988); • Department of Public Administration of Korea University (1988);
serta and
• College of Education High School dari Korea University (1984). • College of Education High School of Korea University (1984).
Riwayat Jabatan Professional Background
• Vice-President (Corporate Director) PT Bank Woori Saudara • Vice-President (Corporate Director) of PT Bank Woori Saudara
Indonesia (2020–2024); Indonesia (2020–2024);
• General Manager of SusongDong Finance (Banking) Center Bank • General Manager of SusongDong Finance (Banking) Center of
Woori (2018); Bank Woori (2018);
• General Manager of Investment Finance (Banking) Department • General Manager of Investment Finance (Banking) Department of
Bank Woori (2015); Bank Woori (2015);
• General Manager of Project Finance (Banking) Department Bank • General Manager of Project Finance (Banking) Department of Bank
Woori (2014); Woori (2014);
• Corporate Branch Manager of Samsung Corporate Finance • Corporate Branch Manager of Samsung Corporate Finance
(Banking) Department Bank Woori (2013); (Banking) Department of Bank Woori (2013);
• Team Leader of Project Finance Department Bank Woori (2009); • Team Leader of Project Finance Department of Bank Woori (2009);
• Senior Manager of Hong Kong Branch Bank Woori (2006); serta • Senior Manager of Hong Kong Branch of Bank Woori (2006); and
• Manager of IB Business Division Bank Woori (2001). • Manager of IB Business Division of Bank Woori (2001).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun He does not hold any concurrent positions, either within or outside
eksternal OK BANK. of OK BANK.
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 (2025). Risk Management Certification Level 7 (2025).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with members of the Board of Commissioners, other
Anggota Direksi lainnya, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
1) Diangkat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan efektif menjabat sejak tanggal
9 Juli 2025. / Appointed as President Director of OK BANK based on EGMS resolution held on February 19, 2025, and effective as of July 9, 2025.
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PROFIL PERUSAHAAN
Company Profile
Hendra Lie
Wakil Direktur Utama
Vice President Director
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
59 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
• Diangkat pertama kali sebagai Wakil Direktur Utama berdasarkan • Appointed for the first time as Vice President Director based on
Keputusan RUPSLB tanggal 11 Maret 2019 dan telah mendapatkan the EGMS Resolution dated March 11, 2019, and obtained approval
persetujuan OJK pada tanggal 21 Juni 2019; serta from OJK on June 21, 2019; and
• Diangkat kembali sebagai Wakil Direktur Utama berdasarkan • Reappointed as Vice President Director based on the EGMS
Keputusan RUPSLB tanggal 22 Mei 2025. Resolution dated May 22, 2025.
Riwayat Pendidikan Educational Background
• Magister Hukum dari Universitas Trisakti (2017); serta • Master’s Degree in Law from Universitas Trisakti (2017); and
• Sarjana Ekonomi dari Universitas Krida Wacana (1990). • Bachelor’s Degree in Economics from Universitas Krida Wacana
(1990).
Riwayat Jabatan Professional Background
• Direktur Utama PT Bank Dinar Indonesia, Tbk. (2012-2019); • President Director of PT Bank Dinar Indonesia, Tbk. (2012-2019);
• Division Head Network Development Bank Mutiara (2011-2012); • Division Head of Network Development of Bank Mutiara
(2011-2012);
• Head of Regional Office 3 Bank Mutiara (2010-2011); • Head of Regional Office 3 of Bank Mutiara (2010-2011);
• Head of Regional Office 2 Bank Mutiara (2009-2010); • Head of Regional Office 2 of Bank Mutiara (2009-2010);
• Branch Manager Bank Century dan Bank Mutiara (2008-2009); • Branch Manager of Bank Century and Bank Mutiara (2008-2009);
• Branch Manager Bank Danpac (2000-2005); • Branch Manager of Bank Danpac (2000-2005);
• Branch Manager Bank Asia Pasific (Aspac) (1990-1999); serta • Branch Manager of Bank Asia Pacific (Aspac) (1990-1999); and
• Analisis Kredit Bank Windu Kentjana (1989). • Credit Analyst of Bank Windu Kentjana (1989).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun He does not hold any concurrent positions, either within or outside
eksternal OK BANK. of OK BANK.
Sertifikasi Certification
• Sertifikasi Treasury Jenjang 7 (2025); • Treasury Certification Level 7 (2025);
• Sertifikasi Manajemen Risiko Jenjang 7 (2024); • Risk Management Certification Level 7 (2024);
• Sertifikasi Treasury Level 7 oleh ACI Financial Markets Association • Treasury Certification Level 7 by ACI Financial Markets Association
Indonesia (2024); Indonesia (2024);
• Sertifikasi Manajemen Risiko Perbankan Level 7 oleh Lembaga • Banking Risk Management Certification Level 7 by the Professional
Sertifikasi Profesi Lembaga Sertifikasi Profesional Perbankan Certification Institute of Banking Professional Certification Agency
(LSP LSPP) (2024); (LSP LSPP) (2024);
• Refreshment Risk Management for Top Level (2023); serta • Refreshment Risk Management for Top Level (2023); and
• Risk Management Certification Refreshment Program “Control of • Risk Management Certification Refreshment Program “Control of
Bank Operational Risk in the Digital Banking and Covid-19 Era” Bank Operational Risk in the Digital Banking and Covid-19 Era”
(2021). (2021).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with members of the Board of Commissioners, other
Anggota Direksi lainnya, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
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PT Bank Oke Indonesia, Tbk.
Vincentia M. Djuniwati
Wijaya
Direktur Bisnis
Director of Business
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
58 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat pertama kali sebagai Direktur Bisnis berdasarkan Appointed for the first time as Director of Business based on
Keputusan RUPSLB tanggal 11 Mei 2023 dan telah mendapatkan the EGMS Resolution dated May 11, 2023, and obtained approval
persetujuan OJK pada tanggal 25 Juli 2023. from OJK on July 25, 2023.
Riwayat Pendidikan Educational Background
Magister Business dari STIE IPWI (1992). Master’s Degree in Business from STIE IPWI (1992).
Riwayat Jabatan Professional Background
• Business 1 (Commercial & Corporate) Division Head OK BANK • Business 1 (Commercial & Corporate) Division Head of OK BANK
(2019-2023); (2019-2023);
• Chief Commercial Officer SME & Wholesales Banking Bank MNC • Chief Commercial Officer SME & Wholesale Banking of Bank MNC
(2015-2019); (2015-2019);
• Bank UOB Indonesia (2011-2015); • Bank UOB Indonesia (2011-2015);
• Senior Business Manager – Regional Jawa Barat Bank BNP • Senior Business Manager – West Java Regional of Bank BNP
(2009-2011); (2009-2011);
• Business Manager – Regional Jakarta Bank Danamon • Business Manager – Jakarta Regional of Bank Danamon
(2007-2009); serta (2007-2009); and
• Head of Asset Sales Management & Recovery Bank Permata • Head of Asset Sales Management & Recovery of Bank Permata
(1990-2005). (1990-2005).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun She does not hold any concurrent positions, either within or outside
eksternal OK BANK. of OK BANK.
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 (2024); • Risk Management Certification Level 7 (2025);
• Sertifikasi Manajemen Risiko Perbankan Level 7 oleh Lembaga • Level 7 Banking Risk Management Certification by
Sertifikasi Profesi Lembaga Sertifikasi Profesional Perbankan the Professional Certification Institute of Banking Professional
(LSP LSPP) (2024); Certification Agency (LSP LSPP) (2024);
• Program Pembekalan Manajemen Risiko bagi Calon Anggota • Risk Management Preparation Program for Prospective Board
Direksi oleh Lembaga Pengembangan Perbankan Indonesia (LPPI) of Directors Members by the Indonesian Banking Development
(2023); serta Institute (LPPI) (2023); and
• Pelatihan Mandatory POJK Nomor 8 Tahun 2023, APU PPT dan • Mandatory Training on POJK Number 8 of 2023, AML CFT, and
PPPSPM Tata Cara Penilaian Risiko, Termasuk Perhitungan PPPSPM Risk Assessment Procedures, Including Individual Risk
Individual Risk Assessment (2023). Assessment Calculation (2023).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with members of the Board of Commissioners, other
Anggota Direksi lainnya, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
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PROFIL PERUSAHAAN
Company Profile
Jong Ha Lee2)
Direktur Kredit
Director of Credit
KEBANGSAAN
Nationality
Korea Selatan / Korean
DOMISILI
Domicile
Jakarta
USIA
Age
55 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat pertama kali sebagai Direktur Kredit berdasarkan Keputusan Appointed for the first time as Director of Credit based on the EGMS
RUPSLB tanggal 20 November 2024 dan telah mendapatkan Resolution dated November 20, 2024, and obtained approval from
persetujuan OJK pada tanggal 2 Mei 2025. OJK on May 2, 2025.
Riwayat Pendidikan Educational Background
Sarjana Ekonomi dari Hanyang University (1996). Bachelor of Economics from Hanyang University (1996).
Riwayat Jabatan Professional Background
• Loan Asset Management Div. Head OK BANK (2023); • Loan Asset Management Division Head of OK BANK (2023);
• Certified Loan Officer OK Saving Bank (2023); • Certified Loan Officer of OK Savings Bank (2023);
• Deputy General Manager Citibank Korea (2022); • Deputy General Manager of Citibank Korea (2022);
• Credit Officer Citibank Korea (2014); • Credit Officer of Citibank Korea (2014);
• Relationship Manager Citibank Korea (2009); serta • Relationship Manager of Citibank Korea (2009); and
• Associated Relation Manager Koram Bank (merged with Citibank) • Associated Relationship Manager of Koram Bank (merged with
(2003). Citibank) (2003).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun He does not hold any concurrent positions, either within or
eksternal OK BANK. outside of OK BANK.
Sertifikasi Certification
• Sertifikasi Treasury Jenjang 7 (2025); serta • Treasury Certification Level 7 (2025); and
• Sertifikasi Manajemen Risiko Jenjang 7 (2024). • Risk Management Certification Level 7 (2024).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with members of the Board of Commissioners, other
Anggota Direksi lainnya, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak tanggal
26 Juni 2025. / Appointed as Director of Credit of OK BANK based on EGMS resolution held on November 20, 2024, and effective as of June 26, 2025.
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PT Bank Oke Indonesia, Tbk.
Efdinal Alamsyah
Direktur Kepatuhan
Director of Compliance
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
61 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
• Diangkat pertama kali sebagai Direktur Kepatuhan berdasarkan • Appointed for the first time as Director of Compliance based on
Keputusan RUPSLB tanggal 11 Maret 2019 dan telah mendapatkan the EGMS Resolution dated March 11, 2019, and obtained approval
persetujuan OJK pada tanggal 21 Juni 2019; serta from OJK on June 21, 2019; and
• Diangkat kembali sebagai Direktur Kepatuhan berdasarkan • Reappointed as Director of Compliance based on the EGMS
Keputusan RUPSLB tanggal 22 Mei 2025. Resolution dated May 22, 2025.
Riwayat Pendidikan Educational Background
• Magister Hukum dari Universitas Jayabaya (2013); • Master's Degree in Law from Universitas Jayabaya (2013);
• Magister Manajemen dari Universitas Katolik Atmajaya (2003); • Master's Degree in Management from Universitas Katolik Atmajaya
serta (2003); and
• Sarjana Hukum dari Universitas Padjadjaran (1992). • Bachelor's Degree in Law from Universitas Padjadjaran (1992).
Riwayat Jabatan Professional Background
• Director of Compliance yang juga membawahi Risk Management, • Director of Compliance overseeing Risk Management, Legal,
Legal dan HR PT Bank Oke Indonesia (d/h Bank Andara) and HR of PT Bank Oke Indonesia (formerly Bank Andara)
(2016-2019); (2016-2019);
• Director of Compliance yang juga membawahi Risk Management • Director of Compliance overseeing Risk Management and
dan HR PT Bank KEB Indonesia (sekarang PT Bank KEB Hana) HR of PT Bank KEB Indonesia (now PT Bank KEB Hana)
(2006-2016); (2006-2016);
• Assistant to the Chief Operating Officer (COO) dan Head of • Assistant to the Chief Operating Officer (COO) and Head of Human
Human Resources & General Administration PT Bank BNP Paribas Resources & General Administration of PT Bank BNP Paribas
Indonesia (2003-2006); Indonesia (2003-2006);
• Manager beberapa posisi antara lain General Affairs, Compliance, • Manager in various positions, including General Affairs, Compliance,
Corporate Loan, Credit Restructuring & Review, Legal, dan lain-lain Corporate Loan, Credit Restructuring & Review, Legal, and others
PT Korea Exchange Bank Danamon (sekarang PT Bank KEB Hana) of PT Korea Exchange Bank Danamon (now PT Bank KEB Hana)
(1994-2003); serta (1994-2003); and
• Staff of The Bank of Tokyo, Ltd. (sekarang MUFG) (1990-1994). • Staff of The Bank of Tokyo, Ltd. (now MUFG) (1990-1994).
Rangkap Jabatan Concurrent Position
Sekretaris Perusahaan OK BANK (sejak 2019). Corporate Secretary of OK BANK (since 2019).
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Sertifikasi Certification
• Sertifikasi APU PPT Jenjang 7 (2025); • AML CTF Certification Level 7 (2025);
• Sertifikasi Kepatuhan Jenjang 7 (2025); • Compliance Certification Level 7 (2025);
• Sertifikasi Manajemen Risiko Jenjang 7 (2024); • Risk Management Certification Level 7 (2024);
• Sertifikasi Manajemen Risiko Perbankan Level 7 oleh Lembaga • Level 7 Banking Risk Management Certification by
Sertifikasi Profesi Lembaga Sertifikasi Profesional Perbankan the Professional Certification Institute of Banking Professional
(LSP LSPP) (2024); Certification Agency (LSP LSPP) (2024);
• Refreshment Risk Management for Top Level (2023); • Refreshment Risk Management for Top Level (2023);
• Sertifikasi Kepatuhan Perbankan Level Executive oleh Lembaga • Executive Level Banking Compliance Certification by
Sertifikasi Profesi Perbankan (LSPP) (2022); the Banking Professional Certification Agency (LSPP) (2022);
• Refreshment Risk Management “Risiko Operasional & Fraud pada • Refreshment Training on Risk Management “Operational Risk &
sektor Perbankan” (2021); Fraud in the Banking Sector” (2021);
• Risk Management Certification Refreshment Program “Control of • Risk Management Certification Refreshment Program “Control of
Bank Operational Risk in the Digital Banking and Covid-19 Era” Bank Operational Risk in the Digital Banking and Covid-19 Era”
(2021); (2021);
• Refreshment Risk Management Budaya Internal Kontrol Landasan • Refreshment Training on Risk Management Internal Control Culture
Manajemen Risiko Operasional (2019); serta as the Foundation of Operational Risk Management (2019); and
• Sertifikasi Pendidikan Khusus Profesi Advokat (PKPA) oleh • Special Education Certification for the Advocate Profession (PKPA)
Perhimpunan Advokat Indonesia (2006). by the Indonesian Advocates Association (2006).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with members of the Board of Commissioners, other
Anggota Direksi lainnya, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
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Park Young Man3)
Direktur Utama
President Director
KEBANGSAAN
Nationality
Korea Selatan / South Korea
DOMISILI
Domicile
Jakarta
USIA
Age
62 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat pertama kali sebagai Direktur Utama berdasarkan Keputusan Appointed for the first time as President Director based on the EGMS
RUPSLB tanggal 12 Januari 2021 dan telah mendapatkan persetujuan Resolution dated January 12, 2021, and obtained approval from OJK
OJK pada tanggal 15 Maret 2021. on March 15, 2021.
Riwayat Pendidikan Educational Background
• Executive Master of Business Administration dari Helsinki School • Executive Master of Business Administration from Helsinki School
of Economics and Business Administration (2000); serta of Economics and Business Administration (2000); and
• Bachelor of Business Administration dari Hankuk University of • Bachelor of Business Administration from Hankuk University of
Foreign Studies (1990). Foreign Studies (1990).
Riwayat Jabatan Professional Background
• Direktur Bank Woori Saudara Indonesia (2017-2020); • Director of Bank Woori Saudara Indonesia (2017-2020);
• Senior General Manager Woori Bank, Singapore (2012-2017); • Senior General Manager of Woori Bank, Singapore (2012-2017);
• General Manager Woori Bank, Korea di Investment Banking Group • General Manager of Woori Bank, Korea, in the Investment Banking
dan Branch Manager (2004-2012); Group and Branch Manager (2004-2012);
• Senior Manager Woori Bank, Singapore (2001-2004); serta • Senior Manager of Woori Bank, Singapore (2001-2004); and
• Manager Woori Bank, Korea (1990-2001). • Manager of Woori Bank, Korea (1990-2001).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun He does not hold any concurrent positions, either within or outside
eksternal OK BANK. of OK BANK.
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Perbankan Level 7 oleh Lembaga • Banking Risk Management Certification Level 7 by the Professional
Sertifikasi Profesi Lembaga Sertifikasi Profesional Perbankan Certification Institute of Banking Professional Certification Agency
(LSP LSPP) (2024); (LSP LSPP) (2024);
• Refreshment Risk Management for Top Level (2023); serta • Refreshment Risk Management for Top Level (2023); and
• Risk Management Certification Refreshment Program “Control of • Risk Management Certification Refreshment Program “Control of
Bank Operational Risk in the Digital Banking and Covid-19 Era” Bank Operational Risk in the Digital Banking and Covid-19 Era”
(2021). (2021).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with members of the Board of Commissioners, other
Anggota Direksi lainnya, dan Pemegang Saham Utama, baik langsung members of the Board of Directors, or the Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual ultimate beneficial owners.
3) Efektif berhenti menjabat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025. / Effectively resigned as
President Director of OK BANK based on the EGMS resolution dated February 19, 2025.
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Perubahan Komposisi Anggota Direksi dan Changes in the Board of Directors’
Alasan Perubahannya Composition and Reasons for Changes
Pada tahun 2025, OK BANK menyelenggarakan RUPSLB In 2025, OK BANK held an EGMS on February 19, 2025, resulting
pada tanggal 19 Februari 2025 sehingga terdapat perubahan in a change in the Board of Directors’ composition. OK BANK
komposisi anggota Direksi, yaitu OK BANK memberhentikan respectfully dismissed Park Young Man as President Director,
dengan hormat Park Young Man selaku Direktur Utama, yang which will be effective after the appointment of the new
akan berlaku efektif sejak pengangkatan Direktur Utama yang President Director, Kang Bong Joo, be declared effective and
baru, Kang Bong Joo telah dinyatakan efektif dan memperoleh approval from OJK as well as from other relevant authorities.
persetujuan dari OJK serta instansi lain yang terkait. Dengan Accordingly, the composition of OK BANK’s Board of Directors
demikian, komposisi Direksi OK BANK per tanggal 19 Februari as of February 19, 2025, is as follows:
2025 sebagai berikut:
Komposisi Direksi Sebelum RUPS Luar Biasa Komposisi Direksi Setelah RUPS Luar Biasa
tanggal 19 Februari 2025 tanggal 19 Februari 2025
Composition of the Board of Directors Prior to Composition of the Board of Directors After
the Extraordinary GMS dated February 19, 2025 the Extraordinary GMS dated February 19, 2025
Park Young Man Kang Bong Joo
(Direktur Utama / President Director) (Direktur Utama / President Director)
Hendra Lie Hendra Lie
(Wakil Direktur Utama / Vice President Director) (Wakil Direktur Utama / Vice President Director)
Vincentia M. Djuniwati Wijaya Vincentia M. Djuniwati Wijaya
(Direktur Bisnis / Director of Business) (Direktur Bisnis / Director of Business)
Jong Ha Lee Jong Ha Lee
(Direktur Kredit / Director of Credit) (Direktur Kredit / Director of Credit)
Efdinal Alamsyah Efdinal Alamsyah
(Direktur Kepatuhan / Director of Compliance) (Direktur Kepatuhan / Director of Compliance)
Komposisi Direksi OK BANK tersebut telah memenuhi ketentuan The composition of OK BANK’s Board of Directors complies
dalam POJK Nomor 33/POJK.04/2014 tentang Direksi dan with the provisions of POJK Number 33/POJK.04/2014 on
Dewan Komisaris Emiten atau Perusahaan Publik. the Board of Directors and Board of Commissioners of Issuers
or Public Companies.
Pejabat Eksekutif
Executive Officers
Nama Jabatan
Name Position
Kepala Divisi Operasional
Nining Kieswati
Head of Operations Division
Kepala Divisi Risk Management
Jefitra
Head of Risk Management Division
Kepala Divisi General Affairs
Hendy Setiawan
Head of General Affairs Division
Kepala Divisi SKAI
Murniasih
Head of Internal Audit Division
Kepala Divisi IT Planning
Park Dong Won
Head of IT Planning Division
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Nama Jabatan
Name Position
Kepala Divisi Business 2
Silvya Suryadi
Head of Business 2 Division
Kepala Divisi Funding 1
Natalia Janette Budiman
Head of Funding 1 Division
Kepala Divisi Retail Business Development
Yoon Junkang
Head of Retail Business Development Division
Branch Manager Cabang Semarang
Prayitno
Branch Manager of Semarang Branch
Kepala Divisi Legal
Moch. Maurice
Head of Legal Division
Kepala Divisi Human Capital & Corporate Secretary
Novita Dwi Kusumawardhani
Head of Human Capital & Corporate Secretary Division
Branch Manager Cabang Denpasar
I Gusti Agung Putu Sidhi Yasa
Branch Manager of Denpasar Branch
Kepala Divisi IT Operation
Lim Siau Sien
Head of IT Operations Division
Branch Manager Cabang Juanda
Nonikha Indrajana Ie
Branch Manager of Juanda Branch
Kepala Divisi Business 4
Oscar Suwarnadwipa
Head of Business 4 Division
Kepala Divisi Retail Credit & Digital Strategy
Hyosun Kwak
Head of Retail Credit & Digital Strategy Division
Branch Manager Cabang Surabaya
Fenny Martha Gunawan
Branch Manager of Surabaya Branch
Kepala Divisi Finance
Dina Ageng Setiani
Head of Finance Division
Kepala Departemen Credit Analyst
Barbara Reni Hankusuma D.
Head of Credit Analyst Department
Kepala Divisi Treasury
Haryadi Eko Trismianto
Head of Treasury Division
Kepala Departemen Marketing Communication
Amanda Dwi Permatasari
Head of Marketing Communication Department
Kepala Divisi Loan Asset Management
Seong Hyeon Baek
Head of Loan Asset Management Division
Kepala Divisi Business 3
Okky Widhi Yunanto
Head of Business 3 Division
Kepala Divisi Corporate Planning
Lee Chang Sup
Head of Corporate Planning Division
Kepala Divisi Funding 2
Canti Widi Yudiastuti
Head of Funding 2 Division
Pejabat Sementara Branch Manager Bandung
Yulia Reka Pancariasih
Acting Branch Manager of Bandung
Kepala Departemen Funding Product
Cindy Wuisang
Head of Funding Product Department
Kepala Divisi Compliance
Sistya Rachmawati
Head of Compliance Division
Kepala Divisi Credit Review
Rian Abdi Gunawan
Head of Credit Review Division
Kepala Divisi Business 1
Nadhya Atindriya
Head of Business 1 Division
Kepala Unit AI Strategy & Transformation
Mayosa
Head of AI Strategy & Transformation Unit
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Demografi Karyawan [POJK C.3] [GRI 2-7]
Employee Demographics
Demografi karyawan OK BANK dibentuk melalui proses OK BANK’s employee demographics are shaped through
rekrutmen dan seleksi yang mempertimbangkan berbagai a recruitment and selection process that considers various
aspek penting, mulai dari rentang usia, latar belakang important aspects, including age range, educational
pendidikan, hingga pengalaman kerja. Pendekatan ini background, and work experience. This approach enables
memungkinkan OK BANK memiliki SDM yang beragam OK BANK to have diverse and high-quality HR that aligns with its
dan berkualitas namun tetap sesuai kebutuhan, sehingga needs, allowing each employee to contribute optimally according
setiap karyawan dapat berkontribusi secara optimal sesuai to the competencies and career stage. With this combination,
kompetensi dan tahapan kariernya. Dengan kombinasi OK BANK strives to create a dynamic and professional work
tersebut, OK BANK berupaya menciptakan lingkungan environment that supports the achievement of the Company’s
kerja yang dinamis, profesional, dan mampu mendukung objectives. Information on OK BANK’s employee demographics
pencapaian tujuan perusahaan. Informasi mengenai demografi is outlined as follows:
karyawan OK BANK diuraikan sebagai berikut:
KOMPOSISI KARYAWAN BERDASARKAN JENIS KELAMIN
Employee Composition by Gender
2025 2024 2023
Jenis
Persentase Persentase Persentase Gender
Kelamin Jumlah Jumlah Jumlah
Percentage Percentage Percentage
Total Total Total
(%) (%) (%)
Pria 166 50,15 170 51,67 174 52,40 Male
Wanita 165 49,85 159 48,33 158 47,60 Female
Jumlah 331 100,00 329 100,00 332 100,00 Total
KOMPOSISI KARYAWAN BERDASARKAN LEVEL JABATAN [ESG S-01]
Employee Composition by Level of Position
2025 2024 2023
Level Pria Wanita Pria Wanita Pria Wanita
Jabatan Male Female Male Female Male Female
Level of
Position Persentase Persentase Persentase Persentase Persentase Persentase
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Percentage Percentage Percentage Percentage Percentage Percentage
Total Total Total Total Total Total
(%) (%) (%) (%) (%) (%)
Executive
4 80,00 1 20,00 3 75,00 1 25,00 4 80,00 1 20,00
Level
Senior Level 13 59,09 9 40,91 13 68,42 6 31,58 12 63,16 7 36,84
Mid Level 18 41,86 25 58,14 41 53,25 36 46,75 28 53,85 24 46,15
Entry Level 131 50,19 130 49,81 113 49,34 116 50,66 130 50,78 126 49,22
Jumlah
166 50,15 165 49,85 170 51,67 159 48,33 174 52,41 158 47,59
Total
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KOMPOSISI KARYAWAN BERDASARKAN USIA
Employee Composition by Age
2025 2024 2023
Pria Wanita Pria Wanita Pria Wanita
Rentang
Male Female Male Female Male Female
Usia
Age Range
Persentase Persentase Persentase Persentase Persentase Persentase
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Percentage Percentage Percentage Percentage Percentage Percentage
Total Total Total Total Total Total
(%) (%) (%) (%) (%) (%)
>55 Tahun
>55 Years 6 60,00 4 40,00 4 44,44 5 55,56 7 53,85 6 46,15
Old
45-54 Tahun
45-54 Years 22 62,86 13 37,14 23 65,71 12 34,29 25 65,79 13 34,21
Old
35-44 Tahun
35-44 Years 73 55,73 58 44,27 70 60,34 46 39,66 73 60,83 47 39,17
Old
25-34 Tahun
25-34 Years 58 41,13 83 58,87 61 41,78 85 58,22 62 41,61 87 58,39
Old
18-24 Tahun
18-24 Years 7 50,00 7 50,00 12 52,17 11 47,83 7 58,33 5 41,67
Old
Jumlah
166 50,15 165 49,85 170 51,67 159 48,33 174 52,41 158 47,59
Total
KOMPOSISI KARYAWAN BERDASARKAN TINGKAT PENDIDIKAN
Employee Composition by Education Level
2025 2024 2023
Tingkat Pria Wanita Pria Wanita Pria Wanita
Pendidikan Male Female Male Female Male Female
Education
Level Persentase Persentase Persentase Persentase Persentase Persentase
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Percentage Percentage Percentage Percentage Percentage Percentage
Total Total Total Total Total Total
(%) (%) (%) (%) (%) (%)
Pasca
Sarjana 17 58,62 12 41,38 17 62,96 10 37,04 19 73,08 7 26,92
Postgraduate
Sarjana
141 50,36 139 49,64 144 51,80 134 48,20 146 53,09 129 46,91
Bachelor
Akademi/
Diploma
6 40,00 9 60,00 7 41,18 10 58,82 7 38,89 11 61,11
Academy/
Diploma
SMU atau
Sederajat
2 28,57 5 71,43 2 28,57 5 71,43 2 15,38 11 84,62
High School
or Equivalent
Jumlah
166 50,15 165 49,85 170 51,67 159 48,33 174 52,41 158 47,59
Total
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KOMPOSISI KARYAWAN BERDASARKAN STATUS KETENAGAKERJAAN
Employee Composition by Employment Status
2025 2024 2023
Status Pria Wanita Pria Wanita Pria Wanita
Ketenagakerjaan Male Female Male Female Male Female
Employment
Status Persentase Persentase Persentase Persentase Persentase Persentase
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Percentage Percentage Percentage Percentage Percentage Percentage
Total Total Total Total Total Total
(%) (%) (%) (%) (%) (%)
Karyawan Tetap
151 49,51 154 50,49 156 53,24 137 46,76 161 53,31 141 46,69
Permanent Employee
Karyawan Kontrak
10 58,82 7 41,18 9 42,86 12 57,14 4 33,33 8 66,67
Contract Employee
Probation
5 55,56 4 44,44 5 33,33 10 66,67 9 50,00 9 50,00
Probation
Jumlah
166 50,15 165 49,85 170 51,67 159 48,33 174 52,41 158 47,59
Total
JUMLAH LEVEL KARYAWAN YANG DIMILIKI OLEH PRIA DAN WANITA BERDASARKAN
KELOMPOK USIA [ESG S-02]
Total Employee Levels Held by Male and Female by Group
Level Jabatan
Position Level
Jumlah
Rentang
Karyawan
Usia Entry Level Mid Level Senior Level Executive Level
Total
Age Range
Employee
Pria Wanita Pria Wanita Pria Wanita Pria Wanita
Male Female Male Female Male Female Male Female
>55 Tahun
- - - 3 2 - 4 1 10
>55 Years Old
45-54 Tahun
15 7 3 5 4 1 - - 35
45-54 Years Old
35-44 Tahun
53 36 13 14 7 8 - - 131
35-44 Years Old
25-34 Tahun
56 80 2 3 - - - - 141
25-34 Years Old
18-24 Tahun
7 7 - - - - - - 14
18-24 Years Old
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Struktur dan Komposisi Pemegang Saham [POJK C.3]
Structure and Composition of Shareholders
Masyarakat
OK NEXT
Public
90,51% 9,49%
Jalur Pengendali
Controlling Line
PT Bank Oke Indonesia, Tbk.
Jalur Non-Pengendali
Non-Controlling Line
KOMPOSISI PEMEGANG SAHAM
Composition of Shareholders
1 Januari 2025 31 Desember 2025
January 1, 2025 December 31, 2025
Nama
Shareholders
No. Pemegang Jumlah Saham Jumlah Saham
Persentase Persentase Name
Saham (Lembar Saham) (Lembar Saham)
Percentage Percentage
Total Shares Total Shares
(%) (%)
(Shares) (Shares)
1 OK Next 15.288.673.243 89,73 15.288.673.243 90,51 OK Next
2. Saham Treasury 145.401.089 0,85 - - Treasury Shares
3. Masyarakat 1.603.717.942 9,42 1.603.717.942 9,49 Public
Jumlah 17.037.792.274 100,00 16.892.391.185 100,00 Total
Klasifikasi Pemegang Saham Shareholders Classification
Informasi mengenai klasifikasi Pemegang Saham OK BANK Information on the classification of OK BANK’s Shareholders at
pada awal tahun 2025 diuraikan sebagai berikut: the beginning of 2025 is outlined as follows:
Pemilikan dalam Satuan
Pemilikan Tidak dalam Satuan Standar
Standar Perdagangan Jumlah
Perdagangan
Ownership in Standard Total
Status Ownership Not in Standard Trading Unit
Trading Unit
Pemilik
No. Jumlah Saham Jumlah Saham Jumlah Saham
Ownership Jumlah Jumlah Jumlah
Status (Lembar Persentase (Lembar Persentase (Lembar Persentase
Investor Investor Investor
Saham) Percentage Saham) Percentage Saham) Percentage
Total Total Total
Total Shares (%) Total Shares (%) Total Shares (%)
Investor Investor Investor
(Shares) (Shares) (Shares)
Pemodal Nasional
National Investor
Perorangan
1. 5.027 953.581.997 5,60 278 11.646 0,00 5.305 953.593.643 5,60
Individual
Perseroan
Terbatas
2. Limited 9 785.258.189 4,61 3 185 0,00 12 785.258.374 4,61
Liability
Companies
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Pemilikan dalam Satuan
Pemilikan Tidak dalam Satuan Standar
Standar Perdagangan Jumlah
Perdagangan
Ownership in Standard Total
Status Ownership Not in Standard Trading Unit
Trading Unit
Pemilik
No. Jumlah Saham Jumlah Saham Jumlah Saham
Ownership Jumlah Jumlah Jumlah
Status (Lembar Persentase (Lembar Persentase (Lembar Persentase
Investor Investor Investor
Saham) Percentage Saham) Percentage Saham) Percentage
Total Total Total
Total Shares (%) Total Shares (%) Total Shares (%)
Investor Investor Investor
(Shares) (Shares) (Shares)
Yayasan
3. - - - 1 77 0,00 1 77 0,00
Foundation
Sub-Jumlah
Pemodal Nasional
5.036 1.738.840.186 10,21 282 11.908 0,00 5.318 1.738.852.094 10,21
Sub-Total
National Investor
Pemodal Asing
Foreign Investor
Perorangan
1. 2 132.400 0,00 - - 2 132.400 0,00
Individual -
Perseroan
Terbatas
2. Limited 7 15.298.807.725 89,79 1 55 0,00 8 15.298.807.780 89,79
Liability
Companies
Sub-Jumlah
Pemodal Asing
9 15.298.940.125 89,79 1 55 0,00 10 15.298.940.180 89,79
Sub-Total
Foreign Investor
Jumlah
5.045 17.037.780.311 100,00 283 11.963 0,00 5.328 17.037.792.274 100,00
Total
Sementara itu, informasi mengenai klasifikasi Pemegang Saham Meanwhile, information on the classification of OK BANK’s
OK BANK pada akhir tahun 2025 diuraikan sebagai berikut: Shareholders at the end of 2025 is outlined as follows:
Pemilikan dalam Satuan
Pemilikan Tidak dalam Satuan Standar
Standar Perdagangan Jumlah
Perdagangan
Ownership in Standard Total
Status Ownership Not in Standard Trading Unit
Trading Unit
Pemilik
No. Jumlah Saham Jumlah Saham Jumlah Saham
Ownership Jumlah Jumlah Jumlah
Status (Lembar Persentase (Lembar Persentase (Lembar Persentase
Investor Investor Investor
Saham) Percentage Saham) Percentage Saham) Percentage
Total Total Total
Total Shares (%) Total Shares (%) Total Shares (%)
Investor Investor Investor
(Shares) (Shares) (Shares)
Pemodal Nasional
National Investor
Perorangan
1. 8.769 965.538.636 5,72 300 12.135 0,00 9.069 965.550.771 5,72
Individual
Perseroan
Terbatas
2. Limited 10 627.485.370 3,71 2 119 0,00 12 627.485.489 3,71
Liability
Companies
Yayasan
3. - - - 1 77 0,00 1 77 00,00
Foundation
Sub-Jumlah
Pemodal Nasional
8.779 1.593.024.006 9,43 303 12.331 0,00 9.082 1.593.036.337 9,43
Sub-Total
National Investor
Pemodal Asing
Foreign Investor
Perorangan
1. 2 30.100 0,00 - - - 2 30.100 0.00
Individual
Perseroan
Terbatas
2. Limited 9 15.299.324.748 90,57 - - - 9 15.299.324.748 90,57
Liability
Companies
Sub-Jumlah
Pemodal Asing
11 15.299.354.848 90,57 - - - 11 15.299.354.848 90,57
Sub-Total
Foreign Investor
Jumlah
8.790 16.892.378.854 100,00 303 12.331 - 9.093 16.892.391.185 100,00
Total
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Kepemilikan Saham oleh Dewan Komisaris Share Ownership by the Board of
dan Direksi Commissioners and the Board of Directors
OK BANK menjalankan kepatuhan secara konsisten terhadap OK BANK consistently complies with POJK Number 4 of
POJK Nomor 4 Tahun 2024 tentang Laporan Kepemilikan atau 2024 on Share Ownership Reports or Any Changes in Share
Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka Ownership of Public Companies and Reports on Activities
dan Laporan Aktivitas Menjaminkan Saham Perusahaan Pledging Shares of Public Companies. Under this regulation,
Terbuka. Sesuai ketentuan tersebut, setiap anggota Dewan every member of the Board of Commissioners and Board of
Komisaris dan Direksi wajib menyampaikan laporan kepada Directors is required to submit a report to OJK no later than
OJK paling lambat 5 (lima) hari kerja sejak terjadi kepemilikan 5 (five) business days after acquiring new shares
baru maupun perubahan atas kepemilikan saham OK BANK. or any changes in share ownership of OK BANK. Throughout
Sepanjang tahun 2025, OK BANK telah memenuhi ketentuan 2025, OK BANK had complied with this requirement by
ini dengan mengirimkan laporan bulanan terkait kepemilikan submitting monthly reports on the share ownership of
saham para anggota Dewan Komisaris dan Direksi melalui members of the Board of Commissioners and Board
e-reporting kepada OJK dan BEI. Dalam laporan tersebut of Directors through e-reporting to OJK and IDX.
dinyatakan bahwa anggota Dewan Komisaris dan anggota The reports stated that the members of OK BANK’s Board of
Direksi OK BANK tidak memiliki saham, baik secara langsung Commissioners and Board of Directors did not hold shares
maupun tidak langsung, pada OK BANK. in OK BANK, either directly or indirectly.
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PROFIL PERUSAHAAN
Company Profile
Pemegang Saham Utama dan
Pemegang Saham Pengendali
Major Shareholders and Controlling Shareholders
5,7% 97,4% 100%
OK Holding Co., Ltd. OK Company
64,2% 26,8% 100% 100% 98,8%
OK Capital OK Ventures OK Saving Bank OK Next Co., Ltd.
3,0% 25,5%
51% 49% 28,1% 100% 33,3% 100% 100%
Tianjin ABURO Shenzhen
OK Credit OK Investment OK Fintech Corporate ABURO Corporate
OK Networks Management Management
Information Partners Vietnam (VN)
Consulting (CN) Consulting (CN)
66,7%
85% 96,2% 0,4% 99,6%
OK PtoP (IN) Newdays OK Asset (IN)
15%
Pada 31 Desember 2025, OK Next (d/h APRO Financial) Co., Ltd. memiliki 15.288.673.243 lembar saham atau setara dengan 90,51%
dari keseluruhan saham OK BANK, sehingga OK Next (d/h APRO Financial) Co., Ltd. merupakan Pemegang Saham Utama dan
Pemegang Saham Pengendali OK BANK.
APRO Financial Co., Ltd. merupakan perusahaan pembiayaan sektor kredit swasta terbesar di Korea yang didirikan tahun 1999
dengan nama awal A&O Financial. Pada tahun 2014, melakukan ekspansi ke China dan Polandia dan mengubah nama menjadi
APRO Financial Co., Ltd.
Pada tanggal 18 Oktober 2023 usaha APRO berubah dari financial menjadi non-financial. Pada tanggal 12 Desember 2023,
APRO Financial Co., Ltd. berubah nama menjadi OK Next Co., Ltd.
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CEO
100% 100%
J&K Capital (JP) OK Data System
100%
0,03%
OK F&I Loan
7,4%
100% 90,5% 50,9% 50,9% 100%
APRO Asia APRO Investment YES Capital
OK BANK (IN) EXIN Housing
Finance (HK) (VN) Investment (VN)
49,1% 49,1%
0,4% 99,6% 10,6% 89,4% 49,2% 25,4% 25,4%
APRO Investment YES Capital
OK Investment (IN) Vietnam (VN) Investment (VN)
46,4% 53,6% 100%
OK Debt
OK Fin (VN) Trading (VN)
As of December 31, 2025, OK Next (formerly APRO Financial) Co., Ltd. has 15,288,673,243 shares, equivalent to 90.51% of
OK BANK’s total shares, resulting in OK Next (formerly APRO Financial) Co., Ltd. as the Major Shareholder and Controlling Shareholder
of OK BANK.
APRO Financial Co., Ltd. is the largest private-sector credit financing company in Korea, established in 1999 initially under the name
A&O Financial. In 2014, it expanded into China and Poland and changed its name to APRO Financial Co., Ltd.
On October 18, 2023, APRO’s business changed from financial to non-financial. Subsequently, on December 12, 2023,
APRO Financial Co., Ltd. changed its name to OK Next Co., Ltd.
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PROFIL PERUSAHAAN
Company Profile
Entitas Anak dan Entitas Asosiasi
Subsidiaries and Associate Entities
Sampai dengan akhir tahun 2025, OK BANK tidak memiliki Until the end of 2025, OK BANK did not have any Subsidiaries
Entitas Anak maupun Entitas Asosiasi. Seluruh kegiatan usaha or Associate Entities. All business activities and operational
dan pengelolaan operasional dilakukan secara langsung oleh management were carried out directly by the Bank without
Bank tanpa keterlibatan perusahaan lain yang berada dalam the involvement of any other company under its control or with
pengendalian maupun kepemilikan signifikan. significant ownership.
Kronologis Pencatatan Saham
Share Listing Chronology
Perjalanan OK BANK di pasar modal dimulai pada 11 Juli 2014, OK BANK’s journey in the capital market began on July 11, 2014,
ketika Perseroan melaksanakan Penawaran Umum Perdana when the Company conducted its Initial Public Offering (IPO)
Saham (Initial Public Offering/IPO) dan secara resmi and officially listed its shares on Indonesia Stock Exchange.
mencatatkan sahamnya di Bursa Efek Indonesia. Langkah This step marked an important milestone in strengthening
ini menjadi tonggak penting dalam memperkuat struktur its capital structure as well as enhancing transparency and
permodalan serta meningkatkan transparansi dan tata kelola governance as a public company. Subsequently, OK BANK
sebagai perusahaan terbuka. Selanjutnya, OK BANK secara continuously strengthened its capital through Limited
berkelanjutan melakukan penguatan permodalan melalui Public Offerings (PUT). On December 9, 2019, the Company
Penawaran Umum Terbatas (PUT). Pada 9 Desember 2019, conducted PUT I, followed by PUT II on October 15, 2020,
Perseroan melaksanakan PUT I, diikuti dengan PUT II pada PUT III on October 1, 2021, and PUT IV on October 19, 2022.
15 Oktober 2020, PUT III pada 1 Oktober 2021, dan PUT IV This series of corporate actions reflects OK BANK’s efforts
pada 19 Oktober 2022. Rangkaian aksi korporasi tersebut to maintain adequate capital, support business development,
mencerminkan upaya OK BANK dalam menjaga kecukupan and strengthen its financial foundation sustainably in line with
permodalan, mendukung pengembangan usaha, serta the dynamics of the banking industry.
memperkuat fondasi keuangan secara berkelanjutan sejalan
dengan dinamika industri perbankan.
Informasi lebih lengkap mengenai kronologi pencatatan saham More detailed information on the chronology of OK BANK’s
OK BANK diuraikan sebagai berikut: share listings is outlined as follows:
Jumlah Saham Lembar Saham
Baru yang Setelah Aksi Nilai
Jumlah Saham
Diterbitkan Korporasi Nominal
Tanggal Pencatatan Saham (Lembar Saham)
(Lembar Saham) (Lembar Saham) Nominal
Date Share Listing Total Shares
Total New Shares Shares After Value
(Shares)
Issued Corporate Action (Rp)
(Shares) (Shares)
Sebelum Penawaran Umum
Perdana Saham - - 100 1.750.000.000
Before the Initial Public Offering
11 Juli 2014 Penawaran Umum Perdana
Saham 500.000.000 2.227.500.000 100 2.227.500.000
July 11, 2024 Initial Public Offering
9 Desember 2019 Penawaran Umum Terbatas
(PUT) I 2.534.789.887 8.787.562.275 100 8.787.562.275
December 9, 2019 Limited Public Offering (PUT) I
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Jumlah Saham Lembar Saham
Baru yang Setelah Aksi Nilai
Jumlah Saham
Diterbitkan Korporasi Nominal
Tanggal Pencatatan Saham (Lembar Saham)
(Lembar Saham) (Lembar Saham) Nominal
Date Share Listing Total Shares
Total New Shares Shares After Value
(Shares)
Issued Corporate Action (Rp)
(Shares) (Shares)
15 Oktober 2020 Penawaran Umum Terbatas
(PUT) II 2.686.443.983 11.562.788.016 100 11.562.788.016
October 15, 2020 Limited Public Offering (PUT) II
1 Oktober 2021 Penawaran Umum Terbatas
(PUT) III 2.537.197.095 14.099.985.111 100 14.099.985.111
October 1, 2021 Limited Public Offering (PUT) III
19 Oktober 2022 Penawaran Umum Terbatas
(PUT) IV 2.937.807.163 17.037.792.274 100 17.037.792.274
October 19, 2022 Limited Public Offering (PUT) IV
OK BANK mencatatkan seluruh sahamnya di Bursa Efek OK BANK has listed all of its shares on Indonesia Stock
Indonesia. Exchange.
Kronologi Penerbitan dan Pencatatan Efek Lainnya
Chronology of Issuance and Other Securities Listing
Sampai dengan akhir tahun 2025, OK BANK tidak menerbitkan Until the end of 2025, OK BANK did not issue any securities
efek lainnya selain saham. Dengan demikian tidak terdapat other than shares. Therefore, there is no information regarding
informasi mengenai nama efek, tahun penerbitan, tingkat suku the name of the securities, issuance year, interest rate or yield,
bunga atau imbal hasil, tanggal jatuh tempo, nilai penawaran, maturity date, offering value, and credit rating.
dan peringkat efek.
Struktur Grup Bank
The Bank’s Group Structure
Struktur Grup menunjukkan hubungan antara OK BANK dengan The Group Structure illustrates the relationship between
Entitas Anak, Entitas Asosiasi, atau Perusahaan Ventura Bersama OK BANK and its Subsidiaries, Associate Entities, or Joint
yang berada dalam satu kesatuan usaha. Namun demikian, Venture Companies within a single business entity. However,
OK Bank tidak memiliki bentuk struktur tersebut karena tidak OK BANK does not have such a structure as it does not have
memiliki entitas-entitas pendukung. Dengan kondisi ini, supporting entities. Under this condition, all of OK BANK’s
seluruh aktivitas usaha dan pengelolaan OK BANK berfokus business activities and management are focused on its main
pada entitas utamanya, sehingga memungkinkan OK BANK entity, allowing OK BANK to operate in a more directed and
menjalankan operasional secara lebih terarah dan konsisten consistent manner in line with its established strategy.
sesuai strategi yang ditetapkan.
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PROFIL PERUSAHAAN
Company Profile
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professions
Lembaga dan profesi penunjang pasar modal berperan sebagai Capital market supporting institutions and professions serve as
penghubung penting antara berbagai pihak yang terlibat dalam important intermediaries among various parties involved in capital
aktivitas pasar modal, seperti OK BANK, investor, dan regulator. market activities, such as OK BANK, investors, and regulators.
Keberadaan lembaga tersebut memastikan bahwa setiap transaksi The presence of these institutions ensures that every transaction
berjalan secara transparan, teratur, dan sesuai dengan ketentuan is conducted transparently, orderly, and in accordance with
yang berlaku. Melalui keahlian dan fungsi masing-masing, lembaga applicable regulations. Through their expertise and respective
dan profesi penunjang ini membantu menyediakan informasi functions, these supporting institutions and professions help
yang akurat, menjaga keamanan transaksi, serta menegakkan provide accurate information, maintain transaction security, and
kepatuhan, sehingga menciptakan ekosistem pasar modal enforce compliance, thereby creating a healthy, efficient, and
yang sehat, efisien, dan dapat dipercaya oleh seluruh pelaku trustworthy capital market ecosystem for all market participants.
pasar. Informasi mengenai lembaga dan profesi penunjang Information regarding OK BANK’s capital market supporting
pasar modal OK BANK diuraikan sebagai berikut: institutions and professions is outlined as follows:
Perdagangan dan Pencatatan Saham
Shares Trading and Listing
PT Bursa Efek Indonesia Jasa yang Diberikan / Services Provided
Gedung Bursa Efek Indonesia / Indonesia Stock Exchange Building Jasa Pencatatan Tahunan Saham / Annual Share Listing Service
Tower I, Jl. Jend. Sudirman Kav. 52-53
Jakarta Selatan / South Jakarta, DKI Jakarta 12910
Periode Penugasan / Assignment Period Biaya / Fee
2025 Rp277.500.000,- (Termasuk PPN).
Rp277,500,000 (Include PPN).
Kantor Akuntan Publik
Public Accounting Firm
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan Jasa yang Diberikan / Services Provided
UOB Plaza Lt. 30 & 42 Jasa Audit / Audit Service:
UOB Plaza 30th & 42th Floor Audit Laporan Keuangan PT Bank Oke Indonesia, Tbk.
Jl. MH. Thamrin Lot 8 – 10 per 31 Desember 2025.
Jakarta Pusat / Central Jakarta, DKI Jakarta 10230
Audit of Financial Statements of PT Bank Oke Indonesia, Tbk.
as of December 31, 2025.
Jasa Non-Audit / Non-Audit Service :
Tidak ada. / None.
Periode Penugasan / Assignment Period Biaya / Fee
2025 Jasa Audit / Audit Service:
Rp288.600.000,- (Termasuk PPN).
Rp288,600,000 (Include PPN).
Jasa Non-Audit / Non-Audit Service :
-
Biro Administrasi Efek
Securities Administration Bureau
Ficomindo Buana Registrar Jasa yang Diberikan / Services Provided
Wisma Bumiputera Lt. M / M Floor Suite 209 Jasa Administrasi Saham Pasar Sekunder
Jl. Jend. Sudirman Kav. 75 Secondary Market Stock Administration Service
Jakarta Selatan / South Jakarta, DKI Jakarta 12910
Periode Penugasan / Assignment Period Biaya / Fee
2025 Rp31.750.000,-
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Kustodian
Custodian
PT Kustodian Sentral Efek Indonesia (KSEI) Jasa yang Diberikan / Services Provided
Gedung Bursa Efek Indonesia / Indonesia Stock Exchange Building Pengelolaan Administrasi Efek / Securities Administration Management
Tower 1, Lt. 5 / Tower 1, 5th Floor
Jl. Jend. Sudirman Kav. 52-53
Jakarta Selatan / South Jakarta, DKI Jakarta 12910
Periode Penugasan / Assignment Period Biaya / Fee
2025 Rp62.715.000,-
Notaris
Notary
Dr. Agung Iriantoro, S.H., M.H Jasa yang Diberikan / Services Provided
Jl. Jati Padang Raya No. 13/A Pasar Minggu Rapat Umum Pemegang Saham dan Jasa Bidang Kenotariatan Lainnya /
Jakarta Selatan / South Jakarta, DKI Jakarta 12540 General Meeting of Shareholders and Other Notary Services
Periode Penugasan / Assignment Period Biaya / Fee
2025 Rp111.052.500,-
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PROFIL PERUSAHAAN
Company Profile
Situs Web Perusahaan
Company Website
OK BANK menyediakan akses informasi yang mudah OK BANK provides easy and transparent access to information
dan transparan melalui situs web yang dapat diakses di through its website, accessible at www.okbank.co.id.
www.okbank.co.id. Situs web ini dirancang untuk memberikan The website is designed to provide up-to-date information
informasi terkini mengenai OK BANK, mencakup profil about OK BANK, including the Company profile, performance,
perusahaan, kinerja, dan berita serta kejadian terbaru and the latest news and events. This aligns with the principles
yang relevan. Hal ini sejalan dengan prinsip keterbukaan of openness and transparency of information to the public,
dan transparansi informasi terhadap publik, yang which are part of OK BANK’s commitment to implementing
menjadi bagian dari komitmen OK BANK terhadap praktik GCG practices.
penerapan GCG.
SIMPANAN
Saving
PINJAMAN
FAQ
Loan
KARIER TENTANG OK BANK
Career About OK BANK
Beranda Home
Tampilan muka web resmi Bank yang berisikan dan memuat The main page of the Bank's official website, featuring
berita terkini, pengumuman, informasi produk dan layanan, the latest news, announcements, product and service
dan berbagai informasi lainnya bagi nasabah atau pemangku information, and various other details for customers and
kepentingan. stakeholders.
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Simpanan Saving
Informasi terkait produk simpanan yang ditawarkan OK BANK. Information about the deposit products offered by OK BANK.
Pinjaman Loan
Informasi terkait produk pinjaman yang ditawarkan OK BANK. Information about the loan product offered by OK BANK.
Tentang OK BANK About OK BANK
Berisikan berbagai informasi penting tentang OK BANK, Containing key information about OK BANK, including
mulai dari profil perusahaan, tata kelola perusahaan hubungan the Company profile, corporate governance, investor relations,
investor, tanggung jawab sosial, dan berbagi informasi korporat social responsibility, and other corporate information.
lainnya.
Karier Career
Berisikan tentang informasi kesediaan lowongan pekerjaan Provided information on job vacancies available at the company
perusahaan diperuntukkan bagi seluruh masyarakat yang ingin for individuals interested in pursuing a career in banking.
berkarier di perbankan.
FAQ/Tanya Jawab FAQ/Questions and Answers
Berisikan berbagai macam pertanyaan umum beserta A collection of frequently asked questions and their answers
jawabannya untuk berbagai macam produk Bank. regarding various products of the Bank.
Selain melalui situs web resmi perusahaan, OK BANK juga In addition to the Company’s official website, OK BANK also
menyediakan informasi terkait saham dan permodalan yang provides information related to its shares and capital that
dapat diakses secara terbuka oleh publik. Informasi ini tersedia can be accessed publicly. This information is available on
di situs web Bursa Efek Indonesia melalui laman www.idx.co.id, Indonesia Stock Exchange website at www.idx.co.id, under
dengan kode saham DNAR. Selain itu, OK BANK melakukan the ticker code DNAR. Furthermore, OK BANK discloses
keterbukaan informasi melalui berbagai media sosial yang dimiliki, information through its various social media platforms,
seperti Youtube, Instagram, Facebook, dan Twitter/X. such as YouTube, Instagram, Facebook, and Twitter/X.
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Fungsi Penunjang
Bisnis
Business Support Functions
Keberhasilan operasional OK BANK sangat ditopang
oleh sinergi antara pengelolaan SDM yang profesional
dan pengembangan sistem TI yang andal. Di sisi SDM,
fokus diarahkan pada peningkatan kompetensi melalui
program pelatihan terstruktur, pengembangan karier yang
berkesinambungan, dan pengelolaan talenta muda. Sementara
itu, pengembangan TI menjadi tulang punggung transformasi
digital, dengan rencana jangka pendek dan menengah yang
mencakup optimalisasi sistem existing, penambahan fitur
layanan, penguatan keamanan data, dan perluasan layanan
Core Banking serta transaksi internasional. Sinergi antara
pengembangan SDM dan TI ini memastikan bahwa OK BANK
tidak hanya siap menghadapi tantangan bisnis saat ini, tetapi
juga mampu berinovasi dan tumbuh secara berkelanjutan di
masa depan.
OK BANK’s operational success is strongly supported by
the synergy between professional HR management and
reliable IT system development. In terms of HR, the focus is on
enhancing competencies through structured training programs,
continuous career development, and young talent management.
Meanwhile, IT development serves as the backbone
of digital transformation, with short- and medium-term
plans that include optimizing existing system, adding service
features, strengthening data security, and expanding Core
Banking services and international transactions. This synergy
between HR and IT development ensures that OK BANK
is not only prepared to face current business challenges
but also capable of innovating and growing sustainably
in the future.
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FUNGSI PENUNJANG BISNIS
Business support functions
Pengelolaan Sumber Daya Manusia
Human Resources Management
Pengelolaan SDM OK BANK berfokus pada pengembangan OK BANK’s HR management focuses on developing employees
karyawan sebagai aset utama dengan menekankan as the organization’s main asset by emphasizing competency
peningkatan kompetensi, budaya kerja yang adaptif, dan enhancement, an adaptive work culture, and a result-oriented
sistem manajemen kinerja yang berorientasi hasil. Upaya ini performance management system. These efforts are realized
diwujudkan melalui pelatihan berkelanjutan, penempatan yang through continuous training, placement according to expertise,
sesuai keahlian, dan pemanfaatan teknologi untuk mendukung and utilization of technology to support recruitment process
proses rekrutmen serta evaluasi kinerja. Selain itu, OK BANK and performance evaluation. In addition, OK BANK promotes
mendorong lingkungan kerja yang kolaboratif dan sehat guna a collaborative and healthy work environment to maintain
menjaga motivasi serta retensi talenta, sehingga SDM mampu motivation and talent retention, enabling employees to
berkontribusi optimal terhadap pertumbuhan bisnis dan contribute optimally to business growth and the quality of
kualitas layanan kepada nasabah. services provided to customers.
Strategi Pengelolaan SDM Tahun 2025 HR Management Strategy in 2025
Tahun 2025 menjadi momentum penting bagi OK BANK dalam The year 2025 becomes an important momentum for OK BANK
memperkuat arah pengelolaan SDM melalui pendekatan to strengthen HR management direction through a more
yang lebih terstruktur, adaptif, dan selaras dengan dinamika structured, adaptive approach, aligned with business
bisnis. Fokus utama diarahkan pada terciptanya landasan dynamics. The main focus was on creating a foundation
yang mampu mendukung kebutuhan organisasi yang terus that supports the needs of a continuously evolving
berkembang, sekaligus memastikan kesiapan talenta dalam organization while ensuring talent readiness in facing
menghadapi perubahan. Dengan mempertimbangkan change. Considering competitive challenges and efficiency
tantangan kompetitif dan tuntutan efisiensi, pengelolaan SDM demands, HR management this year was designed to promote
pada tahun ini dirancang untuk mendorong produktivitas, productivity, resilience, and continuous development of
ketangguhan, dan kesinambungan pengembangan karyawan employees so that OK BANK can continue to advance in
secara menyeluruh agar OK BANK dapat terus bergerak maju a sustainable manner.
secara berkelanjutan.
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Strategi pengelolaan SDM yang diterapkan OK BANK pada The HR management strategies implemented by OK BANK in
tahun 2025 diuraikan sebagai berikut: 2025 are outlined as follows:
1. Program Pelatihan Berkelanjutan; 1. Continuous Training Programs;
2. Pengembangan Kepemimpinan; 2. Leadership Development;
3. Keterlibatan Karyawan; 3. Employee Engagement;
4. Meningkatkan Program Retensi Karyawan; serta 4. Enhancing Employee Retention Programs; and
5. Meningkatkan Budaya Kerja. 5. Strengthening Work Culture.
Program Pelatihan dan Pengembangan Competency Training and Development
Kompetensi Program
Strategi Pengembangan SDM [GRI 404-2] HR Development Strategy [GRI 404-2]
Penerapan strategi pengembangan SDM diarahkan The HR development strategy is applied with directions
pada pemetaan kebutuhan kompetensi yang dilakukan towards mapping competency needs comprehensively through
secara menyeluruh melalui Kebutuhan Analisis Pelatihan. a Training Needs Analysis. This approach helps OK BANK
Pendekatan ini membantu OK BANK memahami kesenjangan understand employee skill gaps across various units and
kemampuan karyawan di berbagai unit dan menentukan determine the most relevant forms of training. Based on this
bentuk pelatihan yang paling relevan. Dengan dasar tersebut, foundation, the process of enhancing HR quality can proceed in
proses peningkatan kualitas SDM dapat berlangsung lebih a more targeted manner and aligned with business objectives,
terarah dan selaras dengan tujuan bisnis, sehingga setiap ensuring that each development program truly impacts
program pengembangan benar-benar memberikan dampak performance improvement. [GRI 3-3]
bagi peningkatan kinerja. [GRI 3-3]
Berbagai jenis pelatihan disediakan untuk memperkuat Various types of training are provided to strengthen technical
kemampuan technical, soft skill, maupun kapasitas skills, soft skills, and leadership capacity. Technical training is
kepemimpinan. Pembekalan technical ditujukan untuk aimed at ensuring that employees can keep pace with evolving
memastikan karyawan mampu mengikuti perkembangan proses work process and technologies, while soft skill development
dan teknologi kerja, sementara penguatan soft skill membantu helps build communication, collaboration, and adaptive
membangun komunikasi, kolaborasi, dan pola pikir yang adaptif. thinking. On the other hand, leadership development serves
Di sisi lain, pengembangan kepemimpinan berfungsi menyiapkan to prepare future leaders to be ready to face organizational
kader pemimpin yang siap menghadapi tantangan organisasi challenges. Through this balanced range of programs,
di masa depan. Dengan rangkaian program yang berimbang, OK BANK strives to create competent, resilient employees
OK BANK berupaya menciptakan SDM yang kompeten, capable of making optimal contributions. [GRI 3-3]
tangguh, dan mampu memberikan kontribusi optimal. [GRI 3-3]
1. Pengembangan Kompetensi Technical Skill 1. Development of Technical Skill Competency
a Pelatihan yang diberikan kepada karyawan untuk posisi a. Training provided to front-line employees, such
garda depan, seperti Customer Service dan Teller terkait as Customer Service and Tellers, focuses on speed
dengan kecepatan dalam memberikan pelayanan and efficiency in serving customers using the core
kepada Nasabah dalam penggunaan core banking banking system.
system.
b. Pelatihan yang diberikan kepada karyawan untuk b. Training provided to employees in specific positions
beberapa posisi tertentu yang memerlukan ketepatan emphasizes accuracy in analyzing Financial Report data.
dalam melakukan analisis data Laporan Keuangan.
2. Pengembangan Kompetensi Soft Skill 2. Development of Soft Skill Competency
Pelatihan yang diberikan kepada karyawan terkait Trainings provided for employees focusing on leadership,
dengan kepemimpinan, kemampuan berkomunikasi dan communication, and negotiation skills for those with
kemampuan bernegosiasi untuk karyawan dengan major a major field in marketing.
field sebagai marketing.
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FUNGSI PENUNJANG BISNIS
Business support functions
3. Pembekalan Sertifikasi 3. Certification Preparation
Pelatihan yang diberikan kepada karyawan yang akan Training provided to employees preparing for competency
melakukan pemenuhan ujian sertifikasi kompetensi yang certification exams as required by regulators.
telah ditetapkan oleh regulator.
Kesempatan Setara Equal Opportunity
Upaya menjaga kesempatan setara di lingkungan kerja menjadi Efforts to maintain equal opportunities in the workplace
perhatian penting dalam memastikan setiap individu memperoleh are an important focus to ensure that every individual has
peluang yang sama untuk berkembang. Praktik ini diterapkan the same chance to grow. This practice is applied regardless
tanpa memandang latar belakang, jabatan, maupun perbedaan of background, position, or other personal differences, allowing
personal lainnya, sehingga seluruh karyawan memiliki ruang all employees a fair space to contribute and demonstrate
yang adil untuk berkontribusi dan menunjukkan kapabilitasnya. their capabilities. This approach not only fosters an inclusive
Pendekatan ini tidak hanya menciptakan suasana kerja work environment but also strengthens trust and a sense of
yang inklusif, tetapi juga memperkuat kepercayaan dan rasa belonging among employees.
memiliki di antara karyawan.
Human Capital berperan krusial dalam memastikan kebijakan Human Capital plays a crucial role in ensuring that equal
kesempatan setara berjalan konsisten di seluruh proses opportunity policies are consistently implemented across all
pengelolaan SDM. Mulai dari rekrutmen, pengembangan HR processes. From recruitment and competency development
kompetensi, hingga penilaian kinerja, setiap tahapan dirancang to performance evaluation, each stage is designed to
agar bebas dari bias dan mengedepankan prinsip objektivitas. be free from bias and grounded in objectivity. Through
Dengan pengawasan yang berkelanjutan, OK BANK dapat ongoing oversight, OK BANK ensures that all employees
memastikan bahwa seluruh karyawan mendapatkan akses have balanced access to career opportunities, thereby
yang seimbang terhadap peluang karier, sehingga tercipta creating a fair, transparent work environment that supports
lingkungan kerja yang adil, transparan, dan mendukung collective growth.
pertumbuhan bersama.
Biaya Pengembangan Kompetensi Competency Development Cost
Investasi OK BANK dalam pengembangan kompetensi karyawan OK BANK’s investment in employee competency development
pada tahun 2025 menunjukkan komitmen kuat terhadap in 2025 demonstrates a strong commitment to enhancing
peningkatan kualitas SDM. Anggaran yang dialokasikan mencapai HR quality. The allocated budget reached Rp3.26 billion,
Rp3,26 miliar, menggambarkan keseriusan OK BANK dalam reflecting OK BANK’s seriousness in ensuring that employees
memastikan bahwa karyawan terus memperoleh keterampilan continuously acquire relevant skills and can keep pace with
yang relevan dan mampu mengikuti perkembangan kebutuhan the evolving needs of the organization. This expenditure reflects
organisasi. Pengeluaran ini mencerminkan pandangan bahwa the view that competency enhancement is not merely a cost
peningkatan kompetensi bukan sekadar biaya, tetapi bagian but part of a long-term strategy to strengthen competitiveness.
dari strategi jangka panjang untuk memperkuat daya saing.
Jika dibandingkan dengan jumlah biaya tenaga kerja, alokasi Compared to total labor costs, this allocation represents
tersebut setara dengan 3,59% dari keseluruhan pengeluaran 3.59% of overall HR-related expenditures. This proportion
terkait SDM. Proporsi ini menunjukkan bahwa OK BANK indicates that OK BANK places employee development
menempatkan pengembangan karyawan sebagai salah satu as one of the key priorities in HR management. Through this
prioritas penting dalam pengelolaan SDM. Melalui investasi yang measured investment, OK BANK expects that the improvement of
terukur, OK BANK berharap peningkatan kemampuan individu individual capabilities will positively impact productivity, service
dapat memberikan dampak positif pada produktivitas, kualitas quality, and the overall achievement of business objectives.
layanan, dan pencapaian tujuan bisnis secara keseluruhan.
Daftar Program Pengembangan Kompetensi 2025 List of Competency Development Programs in 2025
Informasi mengenai program pelatihan dan pengembangan Information on the training and competency development
kompetensi yang diikuti karyawan pada tahun 2025 diuraikan programs participated in by employees in 2025 is outlined
sebagai berikut: as follows:
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DAFTAR PELATIHAN JANUARI-DESEMBER 2025 [POJK F.22] [GRI 404-2]
List of Training in January-December 2025
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
2 Januari 2025 Human Capital &
1. Internal Audit. Internal Internal 9
January 2, 2025 Corporate Secretary
2 Januari 2025 Human Capital &
2. Introduction of OK BANK. Internal Internal 9
January 2, 2025 Corporate Secretary
2 Januari 2025 Human Capital &
3. Company Regulation & Career Path. Internal Internal 9
January 2, 2025 Corporate Secretary
3 Januari 2025 Human Capital &
4. Strategy & Corporate Planning. Internal Internal 9
January 3, 2025 Corporate Secretary
3 Januari 2025 Human Capital &
5. Who’s Who in the the Organization. Internal Internal 9
January 3, 2025 Corporate Secretary
3 Januari 2025 Human Capital &
6. General Banking. Internal Internal 9
January 3, 2025 Corporate Secretary
6 Januari 2025 Human Capital &
7. Legal. Internal Internal 9
January 6, 2025 Corporate Secretary
6 Januari 2025 Human Capital &
8. Banking Operational. Internal Internal 9
January 6, 2025 Corporate Secretary
7 Januari 2025 Human Capital &
9. Risk Management. Internal Internal 9
January 7, 2025 Corporate Secretary
Compliance & APU PPT. 7 Januari 2025 Human Capital &
10. Internal Internal 9
Compliance & AML CTF January 7, 2025 Corporate Secretary
8 Januari 2025 Human Capital &
11. Funding Product Knowledge. Internal Internal 9
January 8, 2025 Corporate Secretary
8 Januari 2025 Human Capital &
12. Retail Product Knowledge. Internal Internal 9
January 8, 2025 Corporate Secretary
Credit Review (Lending Product, 9 Januari 2025 Human Capital &
13. Internal Internal 9
Spreadsheet, etc). January 9, 2025 Corporate Secretary
9 Januari 2025 Human Capital &
14. Finance and Accounting. Internal Internal 9
January 9, 2025 Corporate Secretary
10 Januari 2025 Human Capital &
15. Credit Administration. Internal Internal 9
January 10, 2025 Corporate Secretary
10 Januari 2025 Human Capital &
16. Appraisal. Internal Internal 9
January 10, 2025 Corporate Secretary
10 Januari 2025 Human Capital &
17. IT Security. Internal Internal 9
January 10, 2025 Corporate Secretary
10 Januari 2025 Human Capital &
18. IT Operation. Internal Internal 9
January 10, 2025 Corporate Secretary
Sosialisasi SBDK berdasarkan POJK
Nomor 13 Tahun 2024. 13 Januari 2025
19. OJK Hybrid Treasury Division 3
Dissemination of SBDK based on POJK January 13, 2025
Number 13 of 2024.
Pelatihan PBK SPPUR J4 Sub Bidang 13,14, dan 15
KCP Cikarang
Pengelolaan Uang Tunai (PUT). Januari 2025
20. LPK Praveena Public Cikarang 1
PBK SPPUR Level 4 Training for the Cash January 13, 14,
Sub-Branch Office
Management (PUT) Sub-Division. and 15, 2025
13-14 Januari
2025 Human Capital &
21. Level Up Your Impact. Jejak Pemimpin Inhouse 27
January 13-14, Corporate Secretary
2025
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Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Sosialisasi Tata Cara Pelaporan
dan Publikasi Suku Bunga Dasar Kredit
sesuai POJK Nomor 13 Tahun 2024.
14 Januari 2025
22. Dissemination of Procedures for OJK Hybrid Compliance Division 4
January 14, 2025
Reporting and Publishing Prime
Lending Rates in accordance with POJK
Number 13 of 2024.
15-16 Januari
Learning 2025 Human Capital &
23. Professional Presentation Skill. Inhouse 9
Resources January 15-16, Corporate Secretary
2025
Sosialisasi Aplikasi Pelaporan Online
OJK APOLO “Modul Laporan Insidental
Perbankan (BU, BUS & UUS)”. 16 Januari 2025 Human Capital &
24. OJK Public 7
Dissemination of OJK Online Reporting January 16, 2025 Corporate Secretary
Application (APOLO) “Incidental
Banking Report Module (BU, BUS & UUS)”.
Corporate
How to Achieve a Peak Performance 17 Januari 2025 Planning Division,
25. OJK Public 7
in 2025. January 17, 2025 Finance Division &
Compliance Division
20 Januari 2025 Risk Management
26. Recovery Plan. RMG Hybrid 3
January 20, 2025 Division
Pelatihan PBK SPPUR J4 Sub Bidang
Settlement Transaksi Treasury. 20-22 Januari
KCP Cikarang
2025
27. PBK SPPUR Level 4 Training for LPK Praveena Public Cikarang 1
January 20-22,
the Treasury Transaction Settlement Sub-Branch Office
2025
Sub-Division.
Sosialisasi Ekspos Draft SPI 302 –
Penilaian Properti Pengembangan. 21 Januari 2025 Appraisal
28. KPSPI_MAPPI Hybrid 7
Dissemination of the Draft SPI 302 – January 21, 2025 Department
Property Development Appraisal.
Banking Beyond Growth “Powering a
Sustainable and Inclusive Economy 22 Januari 2025 Direktur
29. PERBANAS & IBI Public 1
for 2025 Onward (PERBANAS-IBI CEO January 22, 2025 Director
FORUM 2025).
Sosialisasi ESG Reporting. 22 Januari 2025 Compliance &
30. IDX Hybrid 8
Dissemination of ESG Reporting. January 22, 2025 Corporate Secretary
Transformasi Digital: Tren Inovasi
Teknologi di Sektor Keuangan.
23 Januari 2025 SKAI Division &
31. Digital Transformation: Technology OJK Hybrid 7
January 23, 2025 Operations Division
Innovation Trends in the Financial
Sector.
23-24 Januari
2025 Loan Asset
Workshop on Internal Credam (LAM)
32. Internal Internal Management 14
Training. January 23-24, Division
2025
Workshop Pelaporan Rencana dan
Realisasi Kegiatan Literasi dan Inklusi
Keuangan Melalui Sistem Pelaporan
Edukasi dan Pelindungan Konsumen
(SIPEDULI). Compliance Division
30 Januari 2025
33. OJK Hybrid & Corporate 3
Workshop on Reporting the Plan and January 30, 2025
Secretary
Realization of Financial Literacy and
Inclusion Activities through
the Consumer Education and Protection
Reporting System (SIPEDULI).
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Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Diskusi Penyempurnaan Mekanisme
Kerja IASC dan Sosialisasi KASPI Fraud 30-31 Januari
dari OJK. 2025 Human Capital,
34. OJK Hybrid Operation, 14
Discussion on the Enhancement January 30-31, Compliance
of IASC Working Mechanisms and 2025
Dissemination of KASPI Fraud from OJK.
Launching Lembaga Sertifikasi
Profesi (LSP) Sistem Pembayaran
Indonesia (SPI). 1 Februari 2025 Human Capital &
35. ASPI Public 3
Launch of the Indonesian Payment February 1, 2025 Compliance Division
System Professional Certification
Agency (LSP SPI).
Refreshment Sertifikasi Treasury J6.
1 Februari 2025
36. Treasury Level 6 Certification ACI Public Treasury Division 1
February 1, 2025
Refreshment.
Pelatihan SPPUR J6 a.n Ivan Rivaldi
Sub Bidang Pemrosesan Transaksi
Pembayaran (PTP). 3 Februari 2025
37. LSP SPI Public Operations Division 1
SPPUR Level 6 Training for Ivan Rivaldi February 3, 2025
from Payment Transaction Processing
Sub-Division (PTP).
Evaluasi Implementasi Program KEJAR
Tahun 2024 dan Rencana Implementasi
KEJAR Tahun 2025. 4 Februari 2025
38. OJK Hybrid Compliance 1
Evaluation of the 2024 KEJAR Program February 4, 2025
Implementation and the 2025 KEJAR
Implementation Plan.
Sosialisasi POJK Nomor 45 Tahun 2024
tentang Pengembangan dan Penguatan
Emiten dan Perusahaan Publik.
6 Februari 2025 Corporate Secretary
39. Dissemination of POJK Number 45 OJK Hybrid 7
February 6, 2025 & Compliance
of 2024 on the Development and
Strengthening of Issuers and Public
Companies.
RPOJK Transparansi dan Publikasi
Laporan Bank. 6 Februari 2025
40. OJK Hybrid Finance 2
RPOJK on Transparency and February 6, 2025
Publication of Bank Reports.
PPA Fakultas
Pelatihan Certified Professional Ekonomi & 10 Februari-
Management Accountant (CPMA). Bisnis UI 10 Mei 2025
41. Public Finance Division 1
Certified Professional Management PPA, Faculty of February 10-
Accountant (CPMA) Training. Economics & May 10, 2025
Business, UI
Online Training on Digital Rights 11 Februari 2025
42. Internal Internal IT Operation 322
Management (DRM). February 11, 2025
PSPK 1 dan PSPK 2. 11 Februari 2025
43. IAI Hybrid Finance 1
PSPK 1 and PSPK 2. February 11, 2025
Sosialisasi Kewajiban Penyampaian
Laporan Penilaian Sendiri dan
Pengkinian Data Pokok Bank. 12 Februari 2025 Corporate Secretary
44. LPS Hybrid 1
Dissemination of the Obligation to February 12, 2025 & Compliance
Submit Self-Assessment Reports
and Update Core Bank Data.
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FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Workshop Penerapan Climate Risk
Management and Scenario Analysis 12-14 Februari
bagi Bank KBMI 1. 2025 Risk Management &
45. OJK Hybrid 3
Workshop on the Implementation of February 12-14, Corporate Planning
Climate Risk Management and Scenario 2025
Analysis for KBMI 1 Banks.
Waspada Modus Kejahatan Account
Take-Over dan Cara Mitigasinya.
13 Februari 2025 Human Capital &
46. Be Aware of Account Takeover OJK Hybrid 4
February 13, 2025 Compliance
Fraud Schemes and Their Mitigation
Measures.
Resfreshment Penggunaan Guest Bank
SP & FMI. 13 Februari 2025 Operation, Treasury
47. BI Public 9
Refreshment on the Use of Guest Bank February 13, 2025 & IT Operation
SP & FMI.
Pembekalan Sertifikasi Manajemen 13 -14 Februari
Risiko Jenjang 4. 2025 Treasury &
48. MAISA EDUKASI Public 2
Preparation of Risk Management February 13-14, Compliance Division
Certification Level 4. 2025
Pembekalan Sertifikasi Treasury 15-16 Februari
Jenjang 5. 2025
49. APUVINDO Public Treasury Division 2
Preparation of Treasury Certification February 15-16,
Level 5. 2025
Sosialisasi KPI 2025. 17 Februari 2025 Human Capital
50. Internal Internal 322
Dissemination of KPI 2025. February 17, 2025 Division
CXO Expert Series Transforming
18 Februari 2025
51. Banking with Cloud Solutions, PERBANAS Public Risk Management 2
February 18, 2025
Cybersecurity, and Innovation.
ESG Disclosures: Why and How Should
18 Februari 2025
52. Companies Identify Nature-related IDX Public RIsk Management 1
February 18, 2025
Risks and Opportunities.
Unlocking The Ower of Generative AI
19 Februari 2025
53. with Cloudera Data Platform and Red MII Hybrid IT Planning 2
February 19, 2025
Had Oppenshift.
Uji Parsial Sistem SP & FMI (Guest Bank).
20 Februari 2025 Operation &
54. Partial System Testing for SP & FMI BI Public 5
February 20, 2025 Treasury Division
(Guest Bank).
Webinar “Outlook Ekonomi dan
Keuangan di Tahun 2025”. Corporate Planning,
20 Februari 2025
55. OJK Hybrid Corporate Secretary 8
Webinar on “Economic and Financial February 20, 2025
& Finance
Outlook for 2025”.
20-21 Februari
Cyberattack 2025
56. Web Application Firewall (WAF). Public IT Operation 1
Nexus February 20-21,
2025
Webinar BI dengan Agenda:
1. Refreshment Cakupan Pelindungan
Konsumen Bank Indonesia.
2. Rencana Penguatan Kapasitas
Industri dalam Praktik Pelindungan
Konsumen. 21 Februari 2025 Human Capital
57. BI Public 3
February 21, 2025 Division
BI Webinar with the following Agenda:
1. Refreshment on the Scope of Bank
Indonesia Consumer Protection.
2. Plan to Strengthen Industry Capacity
in Consumer Protection Practices.
Uji Sertifikasi Treasury Jenjang 5.
22 Februari 2025
58. Examination of Treasury Certification ACI FMA Public Treasury Division 2
February 22, 2025
Level 5.
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Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Pelatihan Economy and Market Outlook
2025 serta Teknik Pengumpulan Data
Property Market Trend dan Aplikasinya
dalam Penilaian Properti Komersil. Loan Asset
24 Februari 2025
59. Training on Economic and Market KPSPI_MAPPI Public Management 1
February 24, 2025
Outlook 2025 and Techniques for Division
Collecting Property Market Trend Data
and Its Application in Commercial
Property Valuation.
Cermati Coretax System Tahun 2025.
Pratama 24 Februari 2025
60. Understanding the Coretax System Public Finance Division 1
Indomitra February 24, 2025
for 2025.
Sosialisasi POJK Nomor 28 Tahun
2024 tentang Pengelolaan Informasi
Rekam Jejak Pelaku melalui Sistem
Informasi Pelaku di Sektor Jasa
Keuangan (SIPELAKU) dan Mekanisme
Penggunaan SIPELAKU.
24 Februari 2025
61. Dissemination of POJK Number 28 of OJK Hybrid Compliance Division 5
February 24, 2025
2024 on the Management of Fraudulers
Track Record Information through
the Information System of Fraudulers
in the Financial Service Sector
(SIPELAKU) and the Mechanism for
Using SIPELAKU.
Seminar Infobank Banking Connect 2025. 25 Februari 2025
62. Infobank Public Risk Management 1
Infobank Banking Connect 2025 Seminar. February 25, 2025
Peran GRC dalam Meningkatkan
Kepercayaan Investor dan Stabilitas Risk Management,
Sektor Keuangan. 25 Februari 2025
63. OJK Hybrid Corporate Planning & 6
February 25, 2025
The Role of GRC in Enhancing Investor Corporate Secretary
Confidence and Financial Sector Stability.
Sosialisasi Produk OK Lucky Program
“Agent Call Center”. 25 Februari 2025
64. Internal Internal Call Center 5
Dissemination of OK Lucky Program February 25, 2025
Product “Agent Call Center”.
25-26 Februari
Pelatihan General Affairs Professional. Johnson 2025 General Affairs
65. Public 1
General Affairs Professional Training. Indonesia February 25-26, Division
2025
26 Februari 2025
66. Induction Training Batch XXV. Internal Internal For New Employee 19
February 26, 2025
Membongkar Mitos: Memahami CDP
dan CEP untuk Pertumbuhan yang
Lebih Cerdas. 27 Februari 2025
67. Insider Hybrid Marcom 4
February 27, 2025
Debunking Myths: Understanding CDP
and CEP for Smarter Growth.
Sosialisasi Peran dan Dukungan Bank
Indonesia dalam Implementasi PP
Nomor 8 Tahun 2025.
28 Februari 2025
68. Dissemination of the Role and Support BI Hybrid Corporate Planning 3
February 28, 2025
of Bank Indonesia in the Implementation
of Government Regulation Number 8
of 2025.
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FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Undangan Audiensi dan Persiapan
Teknis PIC PK Penyelenggara d.r.
Penanganan Pengaduan Konsumen
BI ke Web Portal.
3 Maret 2025 Human Capital
69. Invitation for Hearing and Technical BI Hybrid 3
March 3, 2025 Division
Preparation of PIC PK Organizers
regarding the Handling of Consumer
Complaints by Bank Indonesia via
the Web Portal.
Forum Penguatan Fungsi GRC:
Penerapan Internal Control Over
Financial Reporting (ICOFR) dalam
Rangka Penguatan Sektor Jasa
Keuangan. 3 Maret 2025
70. OJK Public Compliance Division 5
Forum on Strengthening GRC March 3, 2025
Functions: Implementation of Internal
Control Over Financial Reporting
(ICOFR) to Strengthen the Financial
Services Sector.
Uji Sertifikasi Manajemen Risiko
Jenjang 4. 4 Maret 2025 Treasury &
71. LSPP Public 2
Examination of Risk Management March 4, 2025 Compliance Division
Certification Level 4.
Sosialisasi KPI 2025 Divisi Retail. Retail Credit &
4 Maret 2025 Digital Strategy
72. Dissemination of KPI 2025 for Retail Internal Internal 18
March 4, 2025 and Retail Business
Division. Development
Refreshment Sosialisasi IASC to Call
Center Agent with Compliance. 5 Maret 2025 Call Center &
73. Internal Internal 8
Refreshment on IASC Dissemination for March 5, 2025 Compliance
Call Center Agents with Compliance.
Peluncuran GEBER PK Ramadan 2025
“Soft Launching Web Portal Pengaduan
Konsumen BI, Pengenalan Logo GEBER
PK, dan Penguatan Forum Diskusi
Reguler Pelindungan Konsumen untuk
Indonesia (SIGUNA)”.
5 Maret 2025 Human Capital
74. Launch of GEBER PK Ramadan 2025: BI Public 4
March 5, 2025 Division
“Soft Launching of Bank Indonesia
Consumer Complaint Web Portal,
Introduction of GEBER PK Logo, and
Strengthening of the Regular Consumer
Protection Discussion Forum for
Indonesia (SIGUNA)”.
Corporate Planning,
Sustainability Accounting and 6 Maret 2025
75. OJK Public Compliance & 9
Reporting in the Financial Services. March 6, 2025
Finance Division
Peningkatan Awareness terhadap
Risiko Tindak Pidana terkait Investment
Fraud dan Green Financial Crime. 6 Maret 2025
76. OJK Public Compliance Division 6
Enhancing Awareness of Risks Related March 6, 2025
to Investment Fraud and Green
Financial Crime.
FGD Likuiditas Ramadhan. 7 Maret 2025
77. BI Public Treasury Division 4
Ramadan Liquidity FGD. March 7, 2025
Eliminate Blind Spots: Gain Full
PT Mitra Integrasi 11 Maret 2025
78. Visibility with Tenable Vulnerability Public Risk Management 2
Informatika March 11, 2025
Management.
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Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Waspada SMS Phishing (SMISHING)
Mengatasnamakan PJP. 12 Maret 2025 Human Capital &
79. BI Public 8
Beware of SMS Phishing (Smishing) March 12, 2025 Compliance Division
Impersonating PJP.
Inovasi Produk Keuangan Islam:
Peran Etika Halal dalam Memperluas
Penetrasi Pasar. 13 Maret 2025
80. OJK Public Corporate Planning 1
Islamic Financial Product Innovation: March 13, 2025
The Role of Halal Ethics in Expanding
Market Penetration.
PMK 136 Tahun 2024 tentang
Pengenaan Pajak Minimum
Global Berdasarkan Kesepakatan
Internasional. 17 Maret 2025
81. PERBANAS Public Finance Division 1
March 17, 2025
PMK 136 of 2024 on the Imposition
of Global Minimum Tax Based on
International Agreements.
17 Maret 2025 Human Capital
82. Final Assessment TDP 2025. Internal Internal 9
March 17, 2025 Division
PBK SPPUR J5 Sub-Bidang Pemrosesan
Transaksi Pembayaran (PTP). 17-19 Maret 2025 KCP Cikarang
83. PBK SPPUR Level 5 for the Payment Praveena Public March 17-19, Cikarang 1
Transaction Processing (PTP) 2025 Sub-Branch Office
Sub-Division.
Koordinasi dalam Rangka Permintaan
Data untuk Analisis Seleksi Jabatan. 19 Maret 2025
84. PPATK Public Compliance Division 4
Coordination for Data Requests for March 19, 2025
Position Selection Analysis.
Transparansi Beneficial Ownership di
Indonesia. 19 Maret 2025
85. AEI Public Compliance Division 4
Transparency of Beneficial Ownership March 19, 2025
in Indonesia.
Undangan Webinar Navigating
Sustainability Reporting
Standars – IFRS. 20 Maret 2025 Corporate Planning
86. AEI Public 3
March 20, 2025 & Finance Division
Invitation to Webinar on Navigating
Sustainability Reporting Standards – IFRS.
Pelatihan APU PPT a.n Runa
Ramadanty Aisyi Putri “Pelatihan
Penerapan & Red Flag Tata Cara
Penerapan pada Front-Liner (Bisnis),
Business Support, Kepatuhan,
Rintisan 20-21 Maret 2025
Manajemen Risiko”.
87. Manajemen Public March 20-21, Compliance Division 1
AML CTF Training for Runa Gagas 2025
Ramadanty Aisyi Putri: “Training on
the Implementation & Red Flags on
Procedures for Front-Liners (Business),
Business Support, Compliance, and
Risk Management”.
20-21 Maret 2025
Analisa Kredit Korporasi.
88. Value Consult Public March 20-21, SKAI Division 3
Corporate Credit Analysis.
2025
PBK SPPUR J5 Sub-Bidang
20-22 Maret 2025 KC Denpasar
Pengelolaan Transfer Dana (PTD).
89. Praveena Public March 20-22, Denpasar Branch 1
PBK SPPUR Level 5 for the Fund Transfer
2025 Office
Management (PTD) Sub-Division.
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 121
Page 124
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Menakar Kebijakan Penghapusan Kredit
Macet UMKM. 21 Maret 2025 SKAI Division, Credit
90. LPPI Public 9
Assessing Policies on the Write-Off of March 21, 2025 Admin & Compliance
Non-Performing MSME Loans.
Penjelasan Inisiatif mengenai Konsep
IDX Green Equity Designation. 21 Maret 2025
91. IDX Public Compliance Division 3
Explanation of Initiatives regarding IDX March 21, 2025
Green Equity Designation Concept.
Undangan Sosialisasi Ketentuan
mengenai Kebijakan Intensif Likuiditas
Makroprudensial dan Ketentuan
mengenai Giro Wajib Minimum. Risk Management,
25 Maret 2025
92. BI Public Finance Division & 4
Invitation to Dissemination on March 25, 2025
Operations Division
Provisions regarding Macroprudential
Liquidity Incentive Policy and Minimum
Statutory Reserve.
Sosialisasi PADG Perubahan KLM.
25 Maret 2025
93. Dissemination of the Amendments to BI Public Treasury Division 4
March 25, 2025
PADG on KLM.
Sharing Session Market Properti Until
Q4 2024 dan Properti Outlook 2025. 26 Maret 2025
94. Internal Internal - 48
Sharing Session: Property Market Until March 26, 2025
Q4 2024 and Property Outlook 2025.
Mitigasi dan Tindak Lanjut terhadap
Keamanan BI-FAST terhadap Risiko
Fraud. 29 Maret 2025 Human Capital &
95. BI Public 8
March 29, 2025 Operation Division
Mitigation and Follow-Up on BI-FAST
Security against Fraud Risk.
Webinar “Sosialisasi Rancangan POJK
tentang Pelaporan Bank Umum melalui
Sistem Pelaporan OJK”. Credit Admin,
10 April 2025
96. OJK Public Finance Division & 12
Webinar on “Dissemination of the Draft April 10, 2025
Compliance
POJK on Commercial Bank Reporting
through the OJK Reporting System”.
Pelatihan Audit Intern Bank Kualifikasi
V KKNI Supervisor. 15 April 2025
97. Maisa Edukasi Public SKAI Division 2
Bank Internal Audit Training April 15, 2025
Qualification V (KKNI – Supervisor).
Sosialisasi Aplikasi OK Portal. 16 April 2025
98. Internal Internal All Staff 330
Dissemination of OK Portal Application. April 16, 2025
Perdagangan Karbon bagi Sektor Jasa
Keuangan. 16 April 2025
99. OJK Public Risk Management 1
Carbon Trading for the Financial April 16, 2025
Services Sector.
Webinar “Meneropong Masa Depan
Pasar Emas Peran Bullion Bank”. Treasury Division,
17 April 2025
100. Webinar on “Looking Ahead to OJK Public Corporate Planning 6
April 17, 2025
the Future of the Gold Market: & Finance
The Role of Bullion Banks”.
Panduan Manajemen Risiko Iklim
(Climate Risk Management and
Scenario Analysis atau CRMS). 17 April 2025
101. OJK Public Compliance Division 3
April 17, 2025
Guidelines for Climate Risk Management
and Scenario (CRMS) Analysis.
Webinar Idea Talks OJK Institute
Volume 7 tahun 2025 “Credit Scoring”. 21 April 2025 SKAI Division &
102. OJK Public 11
Webinar on Idea Talks OJK Institute April 21, 2025 Compliance Division
Volume 7 of 2025 “Credit Scoring”.
Laporan Tahunan dan Laporan Keberlanjutan
122 2025
Annual Report and Sustainability Report
Page 125
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Workshop Tanggap Insiden Siber
Sektor Keuangan, Perdagangan, dan
Pariwisata Workshop TTIS BSSN. 21 April 2025
103. BSSN Public Risk Management 1
Workshop on Cyber Incident Response April 21, 2025
for the Financial, Trade, and Tourism
Sectors (TTIS Workshop – BSSN).
PBK SPPUR J5 Sub-Bidang
KCP Cikarang
Pengelolaan Uang Tunai (PUT). 21-22 April 2025
104. Praveena Public Cikarang 1
PBK SPPUR Level 5 for the Cash April 21-22, 2025
Sub-Branch Office
Management (PUT) Sub-Division.
Pembekalan Sertifikasi Manajemen
Risiko Jenjang 4. 21-22 April 2025
105. MAISA EDUKASI Public Business 1 1
Preparation for Risk Management April 21-22, 2025
Certification Level 4.
Refresher Jenjang 4 - Pemenuhan 2 UK,
Credit Risk and Operational Risk
(Periode 22 April 2025).
22 April 2025
106. Level 4 Refresher – Fulfillment of Kovida Public - 23
April 22, 2025
2 Units of Competency: Credit Risk
and Operational Risk
(Period: April 22, 2025).
Webinar “Sosialisasi Pedoman Akses
Pelayanan Keuangan Inklusif untuk
Disabilitas Berdaya (Pedoman SETARA).
22 April 2025
107. Webinar on “Dissemination of Guidelines OJK Public Funding Division 1
April 22, 2025
for Access to Inclusive Financial
Services for Empowered Persons with
Disabilities (SETARA Guidelines)”.
Pelatihan Audit Intern Bank Kualifikasi
IV KKNI Auditor. 23 April 2025
108. Maisa Edukasi Public SKAI Division 3
Internal Bank Audit Training April 23, 2025
Qualification IV (KKNI – Auditor).
Sosialisasi Pedoman Akses Pelayanan
Keuangan untuk Disabilitas Berdaya
(Pedoman SETARA).
23 April 2025
109. Dissemination of Guidelines for Access OJK Public Compliance Division 2
April 23, 2025
to Financial Services for Empowered
Persons with Disabilities (SETARA
Guidelines).
PBK SPPUR J5 Sub-Bidang
KCP Cikarang
Pengelolaan Transfer Dana (PTD). 24-26 April 2025
110. Praveena Public Cikarang 1
PBK SPPUR Level 5 for the Fund Transfer April 24-26, 2025
Sub-Branch Office
Management (PTD) Sub-Division.
Efisiensi Anggaran, Dampak terhadap
Pendidikan Tinggi, dan Peran Strategik
Akuntansi Sektor Publik. 28 April 2025
111. IAI Public Finance Division 1
Budget Efficiency, Its Impact on Higher April 28, 2025
Education, and the Strategic Role of
Public Sector Accounting.
28-29 April 2025 Risk Management &
112. Workshop on Climate Setting Target OJK Public 3
April 28-29, 2025 Corporate Planning
Sosialisasi SPRINT Modul Produk Bank
Umum. Corporate Planning
29 April 2025
113. OJK Public & Compliance 6
Dissemination of SPRINT Module for April 29, 2025
Division
Commercial Bank Products.
Seminar Digibank Summit 2025. 29 April 2025
114. 10DX Public Finance Division 1
Digibank Summit 2025 Seminar. April 29, 2025
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 123
Page 126
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Peluncuran Tata Kelola Kecerdasan
Artifisial Perbankan Indonesia. 29 April 2025
115. OJK Public Compliance Division 1
Launch of Artificial Intelligence April 29, 2025
Governance in Indonesian Banking.
Webinar “Sosialisasi Pendalaman
POJK 45/2024 Penguatan Emiten dan
Perusahaan Publik”. 30 April 2025
116. OJK Public Corsec Division 2
Webinar on “In-Depth Dissemination April 30, 2025
of POJK 45/2024 on the Strengthening
Issuers and Public Companies”.
Refreshment SPPUR J4 Sub-Bidang
Pengelolaan Uang Tunai (PUT). 2 Mei 2025
117. Praveena Public Branch 3
SPPUR Level 4 Refreshment for the Cash May 2, 2025
Management (PUT) Sub-Division.
Pelaksanaan Uji Sertifikasi Audit Intern
Bank Kualifikasi V (SPV).
2 Mei 2025
118. Implementation of Internal Bank LSPP Public SKAI Division 2
May 2, 2025
Audit Certification Examination
Qualification V (SPV).
Webinar on Financing Decarbonisation
6 Mei 2025 Risk Management
119. in the Commercial and Light Industry OJK Public 2
May 6, 2025 Division
Supply Chain.
Webinar Penyusunan TP DOC. PT Pratama 7 Mei 2025
120. Public Finance Division 1
Webinar on the Preparation of TP DOC. Indomitra May 7, 2025
Pelatihan Sertifikasi Tresuri. 7-8 Mei 2025
121. Internal Internal Treasury Division 2
Treasury Certification Training. May 7-8, 2025
Refreshment SPPUT J4 Sub-Bidang
Pengelolaan Transfer Dana (PTD). KCP Perniagaan
8 Mei 2025
122. SPPUT Level 4 Refreshment for Praveena Public Perniagaan 1
May 8, 2025
the Fund Transfer Management (PTD) Sub-Branch Office
Sub-Division.
Peran Strategis Industri Jasa Keuangan
dalam Mendorong Pengembangan Compliance,
Ekonomi Daerah. 8 Mei 2025 Operations,
123. OJK Public 9
The Strategic Role of the Financial May 8, 2025 Corporate Planning
Services Industry in Driving Regional Division
Economic Development.
Sharing Informasi Mitigasi Risiko
Operasional TI dan Siber kepada Compliance
PJP/PIP. 8 Mei 2025
124. OJK Public & Risk Management 8
May 8, 2025
Information Sharing on IT Operational Division
and Cyber Risk Mitigation for PJP/PIP.
Pelatihan dan Sertifikasi Perancang
Kontrak. 14-17 Mei 2025
125. Hukum Online Public Legal Division 2
Contract Drafting Training May 14-17, 2025
and Certification.
Efek Domino Tarif Trump: “Ancaman
atau Peluang bagi Ekonomi
Indonesia?”. Operations &
15 Mei 2025
126. OJK Public Corporate Planning 5
The Domino Effect of Trump Tariffs: May 15, 2025
Division
“A Threat or an Opportunity for
Indonesia’s Economy?”.
Laporan Tahunan dan Laporan Keberlanjutan
124 2025
Annual Report and Sustainability Report
Page 127
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Pembahasan Pengaturan Internal
Liquidity Adequacy Assessment
Process (ILAAP) serta Permohonan Uji
Coba Laporan ILAAP. 15 Mei 2025
127. OJK Public Compliance Division 3
Discussion on the Internal Liquidity May 15, 2025
Adequacy Assessment Process (ILAAP)
Framework and Request for ILAAP
Reporting Trial.
Sosialisasi Pembahasan Pengaturan
Internal Liquidity Adequacy
Assessment Process (ILAAP). 15 Mei 2025 Risk Management
128. OJK Public 1
Dissemination on the Internal Liquidity May 15, 2025 Division
Adequacy Assessment Process (ILAAP)
Framework.
Pembahasan Pengaturan Internal
Liquidity Adequacy Assessment
Process (ILAAP) serta Laporan ILAAP 15 Mei 2025
129. OJK Public Finance Division 4
Discussion on the Internal Liquidity May 15, 2025
Adequacy Assessment Process (ILAAP)
Framework and ILAAP Report.
Undangan FGD Keamanan Sistem
Informasi dan Ketahanan Siber. 15-16 Mei 2025 Risk Management
130. Artarajasa Public 2
Invitation to FGD on Information May 15-16, 2025 Division
System Security and Cyber Resilience.
Pelaksanaan Uji Sertifikasi Audit Intern
Bank Kualifikasi IV. 16 Mei 2025
131. LSPP Public SKAI Division 3
Implementation of Internal Bank Audit May 16, 2025
Certification Examination Qualification IV.
Coaching Clinic dalam Rangka
Penguatan Keamanan BI-FAST. 16 Mei 2025 Compliance & Risk
132. BI Public 2
Coaching Clinic for Strengthening May 16, 2025 Management
BI-FAST Security.
IAMI “Institut
Akuntan
Uji Certified Professional Management Manajemen
Accountant (CPMA). Indonesia” 17-18 Mei 2025
133. Public Finance Division 1
Certified Professional Management IAMI “Indonesian May 17-18, 2025
Accountant (CPMA) Examination. Institute of
Management
Accountants”
Pembekalan Sertifikasi Manajemen
Risiko Jenjang 4. 19-20 Mei 2025 Loan Asset
134. Maisa Edukasi Public 1
Preparation for Risk Management May 19-20, 2025 Management
Certification Level 4.
GRI Financial Services (Banking,
20 Mei 2025
135. Insurance and Capital Market) Sector IDX Public Finance Division 2
May 20, 2025
Standard: Exposure Drafts.
Training of “COBIT 2019 Foundation – Andalan 20-21 Mei 2025
136. Public SKAI Division 2
an ISACA Accredited Course”. Teknologi Inovasi May 20-21, 2025
PBK SPPUR J5 Sub-Bidang
Pemrosesan Transaksi Pembayaran
KC Denpasar
(PTP). 20-22 Mei 2025
137. IBI Public Denpasar Branch 1
PBK SPPUR Level 5 Training for May 20-22, 2025
Office
the Payment Transaction Processing
(PTP) Sub-Division.
Level 4 Risk Management Refresher 21 Mei 2025
138. Kovida Inhouse - 21
Program. May 21, 2025
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 125
Page 128
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Pelatihan MAPPI “Penilaian Properti
Resedensial dan Ruko dengan Luas
Tanah yang Tidak Ideal”. 22 Mei 2025
139. MAPPI Public Apprasial 8
MAPPI Training on “Residential May 22, 2025
Property and Shop-houses (Ruko)
Valuation with Non-Ideal Land Area”.
Human Capital,
Compliance,
Customer Experience: Strategies for 22 Mei 2025
140. OJK Public Operations & 14
Success in Digital Era Confirmation. May 22, 2025
Corporate Planning
Division
Webinar IAI Strategik ICoFR untuk
Pengungkapan & Mencegah
Kecurangan Keuangan. 23 Mei 2025
141. IAI Public Finance Division 1
IAI Webinar on Strategic ICoFR for May 23, 2025
Disclosure and Prevention of Financial
Fraud.
Pelaksanaan Uji Sertifikasi
Management Risiko Kualifikasi 4. 24 Mei 2025
142. BSMR Public Business 1 Division 1
Implementation of Risk Management May 24, 2025
Certification Examination Level 4.
Urgensi Transparansi Keuangan Hijau Operations, Risk
pada Lembaga Jasa Keuangan. 26 Mei 2025 Management &
143. OJK Public 12
The Urgency of Green Finance May 26, 2025 Corporate Planning
Transparency in Financial Institutions. Division
PBK SPPUT J5 Sub-Bidang
KC Denpasar
Pengelolaan Uang Tunai (PUT). 26-27 Mei 2025
144. Praveena Public Denpasar Branch 1
PBK SPPUT Level 5 for the Cash May 26-27, 2025
Office
Management (PUT) Sub-Division.
PBK SPPUR J4 Sub-Bidang
Pengelolaan Transfer Dana (PTD). KCP Cikarang
26-28 Mei 2025
145. PBK SPPUR Level 4 for the Fund Praveena Public Cikarang 1
May 26-28, 2025
Transfer Management (PTD) Sub-Branch Office
Sub-Division.
Kemenkum: Undangan Webinar
KEMENKUM
Layanan Fidusia tanggal 27 Mei 2025.
Ministry of Law 27 Mei 2025
146. Ministry of Law and Human Rights: Public Compliance Division 1
and Human May 27, 2025
Invitation to Fiduciary Services Webinar
Rights
on May 27, 2025.
Focus Group Discussion: Penyusunan
Individual Risk Assessment (IRA) APU
PPT PPSPM – FKDKP. 27 Mei 2025
147. FKDKP Public Compliance Division 3
Focus Group Discussion: Preparation of May 27, 2025
Individual Risk Assessment (IRA) AML
CTF CPF – FKDKP.
Kegiatan Sharing Informasi Mitigasi
Risiko Operasional Teknologi Informasi
(TI) dan Siber pada Periode Libur HBKN
Mei 2025. Compliance &
27 Mei 2025
148. BI Public Risk Management 9
Information Sharing Activity on May 27, 2025
Division
Mitigating Information Technology (IT)
and Cyber Operational Risks during
the May 2025 HBKN Holiday Period.
Undangan Capacity Building serta
Evaluasi Kegiatan Setoran dan Penarikan
Perbankan Se-Jabar Tahun 2025. KC Bandung
29-31 Mei 2025
149. Invitation to Capacity Building and BI Public Bandung 1
May 29-31, 2025
Evaluation of Banking Deposit and Branch Office
Withdrawal Activities across West Java
in 2025.
Laporan Tahunan dan Laporan Keberlanjutan
126 2025
Annual Report and Sustainability Report
Page 129
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Kegiatan Bedah Buku “Diorama
Keuangan Berkelanjutan Indonesia”. 3 Juni 2025
150. OJK Public Operations Division 2
Book Review Activity: “Diorama of June 3, 2025
Sustainable Finance in Indonesia.”
Sharing Informasi Mitigasi Risiko
Operasional TI dan Siber pada Periode
Libur HBKN Juni 2025.
4 Juni 2025 Risk Management &
151. Information Sharing Activity on BI Public 4
June 4, 2025 Compliance Division
Mitigating IT and Cyber Operational
Risks during the June 2025 HBKN
Holiday Period.
Johnson 4-5 Juni 2025
152. Basic Accounting IT Training. Public IT Planning 4
Indonesia June 4-5, 2025
SKAI Division,
The Future of Cybersecurity: Threats, 5 Juni 2025 Risk Management,
153. OJK Public 8
Challenges, and Innovations. June 5, 2025 Finance &
Operations Division
Human Capital
Evaluasi Implementasi SK SP. 5 Juni 2025
154. BI Public & Corporate 3
Evaluation of SK SP Implementation. June 5, 2025
Secretary Division
Sosialisasi KEJAR Awards 2025. 5 Juni 2025
155. OJK Public Funding, Compliance 2
Dissemination of KEJAR Awards 2025. June 5, 2025
Kegiatan Progres Reviu Implementasi
Standardisasi Kompetensi di Bidang
Sistem Pembayaran.
6 Juni 2025
156. Progress Review Activity on BI Public Compliance Division 2
June 6, 2025
the Implementation of Competency
Standardization in the Payment System
Sector.
Refreshment SPPUR J5 Sub-Bidang
Pengelolaan Transfer Dana (PTD).
11 Juni 2025
157. SPPUR Level 5 Refreshment for Praveena Public Branch 3
June 11, 2025
the Fund Transfer Management (PTD)
Sub-Division.
Focus Group Discussion (FGD) dan
Sosialisasi Hasil Survei Orientasi
Bisnis Perbankan OJK (SBPO) Triwulan
II-2025. 11 Juni 2025
158. OJK Public Treasury Division 1
Focus Group Discussion (FGD) and June 11, 2025
Dissemination of the Results of the OJK
Banking Business Orientation Survey
(SBPO) for Q2 2025.
11 Juni 2025
160. Induction Training Batch XXVI. Internal Internal - 14
June 11, 2025
UU PDP Indonesia dalam Masa
Transisi. Anggraeni & 11 Juni 2025
161. Public Compliance Division 1
Indonesia UU PDP in the Transition Partners June 11, 2025
Period.
Webinar Nasional Perpajakan AEI x DJP: Asosiasi Emiten
Penerapan PMK 118 Indonesia
Tahun 2024. 11 Juni 2025
162. Indonesian Public Finance Division 4
June 11, 2025
AEI x DJP National Tax Webinar: Issuers
Implementation of PMK 118 of 2024. Association
Pelaksanaan Uji Sertifikasi
Management Risiko Kualifikasi 4.
11 Juni 2025 Loan Asset
163. Implementation of Risk Management BSMR Public 1
June 11, 2025 Management
Certification Examination Qualification
Level 4.
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 127
Page 130
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Workshop AYDA dan Penerapannya
“Ketika Debitur Dinyatakan Pailit
berdasarkan UU Kepailitan Nomor 37”.
12 Juni 2025
164. Workshop on AYDA and Its Kontan Academy Public Legal Division 4
June 12, 2025
Implementation: “When a Debtor is
Declared Bankrupt under Bankruptcy
Law Number 37”.
Pelatihan “Tata Cara Penyusunan TP
Doc sesuai PMK 172-2023”.
Pratama Indo 12 Juni 2025
165. Training on “Procedures for Preparing Public Finance Division 1
Mitra June 12, 2025
TP Documentation in accordance with
PMK 172-2023”.
Sosialisasi Ketentuan Keamanan
Sistem Informasi dan Ketahanan Siber
kepada Penyelenggara. 12 Juni 2025 Risk Management &
166. BI Public 4
Dissemination of Information System June 12, 2025 Compliance Division
Security and Cyber Resilience
Provisions to Operators.
Penerapan ICoFR Untuk Meningkatkan
Integritas Laporan Keuangan dan
Kepercayaan Publik. 13 Juni 2025
167. LPPI Public Operations Division 1
Implementation of ICoFR to Enhance June 13, 2025
the Integrity of Financial Statements
and Public Trust.
Training on Banking Skill Journey 14 Juni 2025 Branches (Frontliner
168. Internal Internal 45
Program Training 2025. June 14, 2025 Cs, Teller & Ka Ops)
PUSAT STUDI
PENGEMBANGAN
Pelatihan Perlindungan Konsumen EKONOMI
& Layanan Pengaduan Nasabah DAERAH
Berdasarkan POJK Nomor 22 Tahun (PUSPERA) Human Capital &
2023. 17 Juni 2025
169. CENTER FOR Public Corporate Secretary 3
June 17, 2025
Consumer Protection & Customer REGIONAL Division
Complaint Handling Training based on ECONOMIC
POJK Number 22 of 2023. DEVELOPMENT
STUDIES
(PUSPERA)
Sertifikasi Ahli K3 Umum BNSP. Mutiara Mutu 17-20 Juni 2025
170. Public General Affairs 1
BNSP General OHS Expert Certification. Sertifikasi June 17-20, 2025
Sosialisasi Pelaporan sesuai POJK
Nomor 12 Tahun 2024 tentang
Penerapan Strategi Anti-Fraud. Compliance, Human
17 Juni 2025
171. Dissemination of Reporting in OJK Public Capital & Corporate 5
June 17, 2025
accordance with POJK Number 12 Secretary Division
of 2024 on the Implementation of
Anti-Fraud Strategy.
Sosialisasi Pelaporan sesuai POJK
Nomor 12 Tahun 2024 tentang
Penerapan Strategi Anti-Fraud bagi
Lembaga Jasa Keuangan kepada Bank
Umum. 17 Juni 2025
172. OJK Public Risk Management 3
Dissemination of Reporting in June 17, 2025
accordance with POJK Number 12 of
2024 on the Implementation of
Anti-Fraud Strategy for Financial Services
Institutions to Commercial Banks.
Pelatihan Excel Internal. 18 Juni 2025
173. Internal Internal - 19
Internal Excel Training. June 18, 2025
Laporan Tahunan dan Laporan Keberlanjutan
128 2025
Annual Report and Sustainability Report
Page 131
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Ujian Sertifikasi Chartered Accountant.
19 Juni 2025
174. Chartered Accountant Certification IAI Public Finance Division 1
June 19, 2025
Examination.
Sosialisasi SiPEDULI Semester 1 Compliance Division,
Tahun 2025. 19 Juni 2025 Human Capital &
175. OJK Public 5
Dissemination of SiPEDULI in June 19, 2025 Corporate Secretary
Semester 1 of 2025. Division
Sosialisasi POJK Nomor 9 Tahun 2025
tentang Dematerialisasi Efek Bersifat
Ekuitas dan Pengelolaan Aset yang
Tidak Diklaim di Pasar Modal. 19 Juni 2025
176. OJK Public Compliance Division 1
Dissemination of POJK Number 9 of June 19, 2025
2025 on the Dematerialization of Equity
Securities and the Management of
Unclaimed Assets in the Capital Market.
Asosiasi Emiten
Webinar AEI POJK Nomor 9 2025. Indonesia
19 Juni 2025
177. AEI Webinar on POJK Number 9 of Indonesian Public Finance Division 1
June 19, 2025
2025. Issuers
Association
Strategi Aman Transaksi Aset Kripto
dan Keuangan Digital: Perlindungan
Data Pribadi dan Dampak Teknologi
Biometrik di Indonesia. 19 Juni 2025 Compliance &
178. OJK Public 6
Secure Strategies for Crypto Asset and June 19, 2025 Operations Division
Digital Financial Transactions: Personal
Data Protection and the Impact of
Biometric Technology in Indonesia.
Sosialisasi Rancangan POJK tentang
Akses Pembiayaan Usaha Mikro, Kecil
dan Menengah (RPOJK UMKM) dan
Panduan Tata Kelola Kecerdasan
Artifisial Perbankan Indonesia.
19 Juni 2025
179. Dissemination of the Draft POJK on OJK Public Compliance Division 2
June 19, 2025
Access to Financing for Micro, Small,
and Medium Enterprises (RPOJK
UMKM) and Guidelines for Artificial
Intelligence Governance in Indonesian
Banking.
Datadog Live Jakarta 2025 “Membahas
Peningkatan Keamanan dan Kolaborasi
dalam Teknologi”. 19 Juni 2025
180. Datadog Public IT Planning 3
Datadog Live Jakarta 2025: “Enhancing June 19, 2025
Security and Collaboration in
Technology”.
Pelaksanaan Uji Sertitifikasi Treasury
Jenjang 5. 21 Juni 2025
181. ACI FMA Public Treasury Division 2
Implementation of Treasury June 21, 2025
Certification Examination Level 5.
Trainer of Banking Skill Journey
Program Training 2025 (Pelaksanaan
Ujian Mini Banking Frontliner).
21 Juni 2025 Branches (Frontliner
182. Trainer of Banking Skill Internal Internal 45
June 21, 2025 Cs, Teller & Ka Ops)
Journey Program Training 2025
(Implementation of Mini Banking
Frontliner Examination).
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 129
Page 132
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Webinar Implementasi (TKBI) serta
Rencana Digitalisasi Laporan
Keberlanjutan (SR) dan Rencana Aksi
Keuangan Berkelanjutan (RAKB).
23 Juni 2025
183. Webinar on the Implementation OJK Public Risk Management 2
June 23, 2025
of (TKBI), as well as the Plan for
Digitalization of Sustainability Reports
(SR) and Sustainable Finance Action
Plans (RAKB).
Focus Group Discussion (FGD)
“Implementasi Taksonomi untuk
Keuangan Berkelanjutan Indonesia (TKBI)
serta Rencana Digitalisasi Laporan
Keberlanjutan (SR) dan Rencana Aksi
Keuangan Berkelanjutan (RAKB)”. 23 Juni 2025
184. OJK Public Compliance Division 6
Focus Group Discussion (FGD): June 23, 2025
“Implementation of Indonesian
Sustainable Finance Taxonomy (TKBI),
as well as the Plan for Digitalization
of Sustainability Reports (SR) and
Sustainable Finance Action Plans (RAKB)”.
Sosialisasi Implementasi Aplikasi
SIPESAT versi 3.0. 24 Juni 2025
185. BI Public Compliance Division 4
Dissemination of the Implementation of June 24, 2025
SIPESAT Application Version 3.0.
Pemaparan Rencana Implementasi
TKBI Versi 2 (In Depth Interview). 24 Juni 2025 Corporate Secretary
186. OJK Public 2
Presentation of the Implementation Plan June 24, 2025 Division
for TKBI Version 2 (In-Depth Interview).
Sharing Informasi Mitigasi Risiko
Operasional TI dan Siber pada Periode
Libur HBKN Akhir Juni 2025.
25 Juni 2025 Risk Management &
187. Information Sharing on IT and Cyber BI Public 4
June 25, 2025 Compliance Division
Operational Risk Mitigation during
the HBKN Holiday Period at the End of
June 2025.
Resfreshment SPPUR J5 Sub-Bidang
Pengelolaan Uang Tunai (PUT).
25 Juni 2025
188. SPPUR Level 5 Refreshment for Praveena Public Branch 3
June 25, 2025
the Cash Management (PUT)
Sub-Division.
Resfreshment SPPUR J4 Sub-bidang
Pengelolaan Uang Tunai (PUT).
26 Juni 2025
189. SPPUR Level 4 Refreshment for Praveena Public Branch 2
June 26, 2025
the Cash Management (PUT)
Sub Division.
Memutus Mata Rantai Scam: Sinergi Risk Management,
dan Strategi Perlindungan Konsumen Human Capital &
Sektor Keuangan. 26 Juni 2025 Corporate Secretary
190. OJK Public 18
Breaking the Scam Chain: Synergy and June 26, 2025 Division, Finance
Strategies for Consumer Protection in Division, Compliance
the Financial Sector. & Operation Division
Refreshment SPPUR J5 Sub-Bidang
Pengelolaan Transfer Dana (PTD).
2 Juli 2025
191. SPPUR Level 5 Refreshment for Funds Praveena Public Branches 4
July 2, 2025
Transfer Management (PTD) Sub
Division.
Agentic AI in Finance : A New Era of 3 Juli 2025
192. OJK Public SKAI Division 1
Autonomous Decision Making. July 3, 2025
Laporan Tahunan dan Laporan Keberlanjutan
130 2025
Annual Report and Sustainability Report
Page 133
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
WTW Beyond Data Webinar – Thriving
Human Capital &
Through Uncertainty: Asia Pacific 9 Juli 2025
193. WTW Public Corporate Secretary 2
Salary Budgets, Benefit Strategies and July 9, 2025
Division
Resilient Incentive Plans.
MUC BIJAK: Merespons Pembaruan
Bentuk SPT Masa dan Tahunan Sesuai
PER-11/2025 Confirmation. Human Capital &
9 Juli 2025
194. MUC BIJAK: Responding to Updates in MUC Public Corporate Secretary 2
July 9, 2025
Monthly and Annual Tax Return (SPT) Division
Forms in accordance with
PER-11/2025 Confirmation.
Prinsip Penerapan AI pada Bank di
Indonesia. 9 Juli 2025 Risk Management
195. PERBANAS Public 1
Principles for AI Implementation in July 9, 2025 Division
Banks in Indonesia.
Compliance Division,
Workshop “Identifikasi Transaksi KC Denpasar & KPO
Keuangan Mencurigakan”. 9-10 Juli 2025 Juanda
196. FKDKP Public 3
Workshop on “Identification of July 9-10, 2025 Compliance Division,
Suspicious Financial Transactions”. Denpasar Branch
Office & KPO Juanda
PBK SK SP Jenjang 4 (PUT) Sub-
Bidang Pengelolaan Uang Tunai (PUT). 10-12 Juli 2025
197. Praveena Public KPO Juanda 1
PBK SK SP Level 4 (PUT) for Cash July 10-12, 2025
Management (PUT) Sub Division.
Pelatihan Kursus Bahasa Inggris LIA
“Class CVB Intermediate”. 12 Juli 2025
198. LIA Public Finance Division 1
LIA English Course Training “Class CVB July 12, 2025
Intermediate”.
Refreshment SPPUR J4 Sub-Bidang
Pengelolaan Transfer Dana (PTD). 14 Juli 2025
199. Praveena Public Branches 3
SPPUR Level 4 Refreshment for Funds July 14, 2025
Transfer Management (PTD) Sub Division.
Pembekalan Sertifikasi Manajemen
KCP PIK
Risiko Jenjang 4. 14-15 Juli 2025
200. EFEKTIF PRO Public PIK 1
Preparation of Level 4 Risk July 14-15, 2025
Sub-Branch Office
Management Certification.
Pemeliharaan Sertifikasi Manajemen
Risiko Jenjang 4. 15 Juli 2025
201. EFEKTIF PRO Public Business 2 Division 1
Maintenance of Level 4 Risk July 15, 2025
Management Certification.
Pelatihan Excel Internal. 16 Juli 2025
202. Internal Internal - 5
Internal Excel Training. July 16, 2025
Sosialisasi Penilaian Sendiri
(Self-Assessment) terhadap
Pemenuhan Ketentuan Pelindungan
Konsumen dan Masyarakat di Sektor Human Capital &
Jasa Keuangan. 16 Juli 2025
203. OJK Public Corporate Secretary 1
July 16, 2025
Dissemination of Self-Assessment on Division
Compliance with Consumer and Public
Protection Regulations in
the Financial Services Sector.
Implementasi dan Peran Industri
Keuangan dalam Bisnis dan HAM. Human Capital &
17 Juli 2025
204. Implementation and Role of OJK Public Corporate Secretary 2
July 17, 2025
the Financial Industry in Business Division
and Human Rights.
Kick Off Hari Indonesia Menabung. 17 Juli 2025
205. BI Public Funding Division 2
Kick-Off National Saving Day. July 17, 2025
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 131
Page 134
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
28 Juli 2025
206. Training Bloomberg ESG Data. Blomberg Public Treasury Division 4
July 28, 2025
Peran Penting Penyusunan dan
Implementasi Contingency Plan
(Recovery & Resolution Plan)
sebagai Langkah Mitigasi Risiko
untuk Menghadapi Dampak Kondisi
Ketidakpastian di Tengah Tingginya
Dinamika Perekonomian dan Volatilitas
Pasar Keuangan terhadap Kinerja
Perusahaan, Khususnya Perbankan. 23 Juli 2025 Risk Management
207. BaRa Public 2
July 23, 2025 Division
The Importance of Preparing and
Implementing a Contingency Plan
(Recovery & Resolution Plan) as
a Risk Mitigation Measure to Address
Uncertainty amid High Economic
Dynamics and Financial Market
Volatility on Company Performance,
Particularly in Banking.
Diskusi SIGUNA dengan Topik “Cerdas
Komunikasi dan Edukasi, Strategis
Bangun Reputasi”. Human Capital &
24 Juli 2025
208. BI Public Corporate Secretary 3
SIGUNA Discussion with the Topic July 24, 2025
Division
“Smart Communication and Education,
Strategic Reputation Building”.
PBK SK SP Jenjang 4 (PTD) Sub-
Bidang Pengelolaan Transfer Dana. 28-30 Juli 2025
209. Praveena Public KPO Juanda 1
PBK SK SP Level 4 (PTD) for Funds July 28-30, 2025
Transfer Management Sub-Division.
Pelatihan Excel Internal. 30 Juli 2025
210. Internal Internal - 16
Internal Excel Training. July 30, 2025
Kegiatan Sharing Informasi Mitigasi
Risiko Operasional TI dan Siber. 30 Juli 2025 Risk Management
211. BI Public 2
Information Sharing Activity on IT and July 30, 2025 Division
Cyber Operational Risk Mitigation.
Sosialisasi, Coaching Clinic, dan
Industrial Test Sistem Pelaporan Online
Standarisasi Kompetensi di Bidang
Sistem Pembayaran. 31 Juli-1 Agustus
Human Capital &
2025
212. Dissemination, Coaching Clinic, BI Public Corporate Secretary 1
July 31-August
and Industrial Test of the Online Division
1, 2025
Reporting System for Competency
Standardization in the Payment
Systems Sector.
Business Continuity Management 4 Agustus 2025
213. RAP Online Risk Management 1
Profesional (BCMP). August 4, 2025
Refreshment SPPUR Jenjang 5
Sub-Bidang Pengelolaan Transfer Dana
(PTD). 6 Agustus 2025 Divisi Operation
214. Praveena Public 1
August 6, 2025 Operations Division
SPPUR Level 5 Refreshment for Funds
Transfer Management (PTD) Sub-Division.
Membedah PMK 54/2025 & Konsekuensi
Perpajakannya di Era Coretax. Pratama
6 Agustus 2025
215. Indomitra Online Finance 3
Reviewing PMK 54/2025 & Its Tax August 6, 2025
Konsultan
Implications in the Coretax Era.
Diskusi SIGUNA dengan Topik
“Pentingnya Memahami ‘Customer
Journey’ di Era Digital”. 6 Agustus 2025
216. PERBANAS Online Compliance 1
SIGUNA Discussion with the Topic August 6, 2025
“The Importance of Understanding
the Customer Journey in the Digital Era”.
Laporan Tahunan dan Laporan Keberlanjutan
132 2025
Annual Report and Sustainability Report
Page 135
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
“Fighting Digital Fraud: Membangun
Digital Trust Layanan Perbankan
melalui Inovasi Identitas Digital”
bersama Privy. 6 Agustus 2025
217. AFTECH Online Compliance 3
August 6, 2025
“Fighting Digital Fraud: Building Digital
Trust in Banking Services through
Digital Identity Innovation” with Privy.
Refreshment SPPUR Jenjang 4 (PUT)
Sub-Bidang Pengelolaan Uang Tunai
(PUT). 7 Agustus 2025
218. Praveena Public KPO Juanda 1
August 7, 2025
SPPUR Level 4 (PUT) Refreshment for
Cash Management (PUT) Sub-Division.
Refreshment SPPUR Jenjang 4 (PTD)
Sub-Bidang Pengelolaan Transfer
Dana (PTD). 7 Agustus 2025
219. LPPI Public Branches 5
August 7, 2025
SPPUR Level 4 (PTD) Refreshment Funds
Transfer Management (PTD) Sub-Division.
Mid-Year Capital Market Review 2025:
Evaluasi Kinerja Pasar dan Strategi
Investasi ke Depan. 7 Agustus 2025
220. OJK Institute Zoom Finance & Operation 7
Mid-Year Capital Market Review 2025: August 7, 2025
Market Performance Evaluation and
Future Investment Strategies.
Team Work Training 2025 (Jabodetabek 9 Agustus 2025
221. Internal Inhouse Jobedatabek 278
Participants). August 9, 2025
KPO Juanda, KC
Denpasar & KC
PBK SK SP Jenjang 4 (PUT) Sub-
Surabaya
Bidang Pengelolaan Uang Tunai (PUT). 11 Agustus 2025
222. Praveena Public KPO Juanda, 3
PBK SK SP Level 4 (PUT) for Cash August 11, 2025
Denpasar Branch
Management (PUT) Sub-Division.
Office & Surabaya
Branch Office
Membedah PMK 51/2025 &
Konsekuensi Perpajakannya di Era Pratama
Coretax. 13 Agustus 2025
223. Indomitra Online Finance 3
August 13, 2025
Reviewing PMK 51/2025 & Its Tax Konsultan
Implications in the Coretax Era.
KC Bandung, KCP
Pondok Indah & KCP
Refreshment SPPUR J5 (PUT)
Gading Serpong
Sub-Bidang Pengelolaan Uang Tunai
(PUT). 14 Agustus 2025 Bandung Branch
224. Praveena Public Office, Pondok 3
SPPUR Level 5 (PUT) Refreshment for August 14, 2025
Indah Denpasar
Cash Management (PUT)
Sub-Branch Office
Sub-Division.
& Gading Serpong
Sub-Branch Office
PBK SK SP Jenjang 4 (PTP) Sub-Bidang
Pemrosesan Transaksi Pembayaran
(PTP). 14 Agustus 2025
225. Praveena Public KPO Juanda 1
PBK SK SP Level 4 (PTP) for Payment August 14, 2025
Transaction Processing (PTP)
Sub-Division.
Dinamika Geopolitik dan Ketahanan
Nasional: Strategi Memperkuat
Perekonomian Indonesia. 14 Agustus 2025
226. OJK Institute Zoom Finance 2
Geopolitical Dynamics and National August 14, 2025
Resilience: Strategies to Strengthen
Indonesia’s Economy.
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 133
Page 136
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Sosialisasi Peraturan Perbankan bagi
Eksternal OJK. 14 Agustus 2025
227. OJK Online Finance 2
Dissemination of Banking Regulations August 14, 2025
for OJK Externals.
Sosialisasi Ketentuan Perbankan. 14 Agustus 2025
228. OJK Online Compliance 3
Dissemination of Banking Regulations. August 14, 2025
Dinamika Geopolitik dan Ketahanan
Nasional: Strategi Memperkuat
Perekonomian Indonesia. 14 Agustus 2025
229. OJK Zoom Operation 5
Geopolitical Dynamics and National August 14, 2025
Resilience: Strategies to Strengthen
Indonesia’s Economy.
14 Agustus 2025
230. Amazon Q Developer Workshop. AWS Public IT Planning 3
August 14, 2025
Undangan Sosialisasi Ketentuan
Perbankan. Human Capital,
14 Agustus 2025
231. OJK Public Corporate Secretary 8
Invitation to the Dissemination Banking August 14, 2025
& Risk Management
Regulations.
Kegiatan Sharing Informasi Mitigasi
Risiko Operasional TI dan Siber
pada Periode Libur Panjang Hari
Kemerdekaan Republik Indonesia. 14 Agustus 2025
232. BI Online Risk Management 2
Information Sharing Activity on IT August 14, 2025
and Cyber Operational Risk Mitigation
during the Long Holiday Period of
Indonesia’s Independence Day.
Pembekalan Sertifikasi Manajemen 18-19 Agustus Finance Division &
Risiko Jenjang 4. 2025 KC Bandung (BM)
233. Maisa Edukasi Public Finance Division & 1
Preparation for Level 4 Risk August 18-19, Bandung Branch
Management Certification. 2025 Office (BM)
19 Agustus 2025 Finance, Compliance
234. Risk and Governance Summit. OJK Zoom 6
August 19, 2025 & Risk Management
RSEOJK Transparansi BUK. 20 Agustus 2025
235. OJK Zoom Finance 3
RSEOJK on BUK Transparency. August 20, 2025
Dengar Pendapat RPOJK TKA dan
Permohonan Penerusan Surat kepada
Perbankan. 20 Agustus 2025
236. OJK Online Compliance 3
August 20, 2025
Hearing on RPOJK concerning TKA and
Request for Forwarding Letter to Banks.
Undangan Peluncuran FIR on ML/TF
Tahun 2025 kepada Bank Umum. 20 Agustus 2025
237. PPATK Online Compliance 1
Invitation to the Launch of FIR on August 20, 2025
ML/TF 2025 for Commercial Banks.
Undangan Menghadiri Kegiatan Final
and Closing Ceremony TrackAML
Hackathon 2.0 Tahun 2025. 20 Agustus 2025
238. PPATK Onsite Compliance 1
Invitation to Attend the Final and August 20, 2025
Closing Ceremony of TrackAML
Hackathon 2.0 in 2025.
Pembekalan Sertifikasi Kepatuhan
Sub-Bidang Bank Umum J5.
21 Agustus 2025
239. Preparation of Compliance Certification Maisa Edukasi Public Compliance Division 2
August 21, 2025
for Commercial Bank Sub-Division
Level 5.
Laporan Tahunan dan Laporan Keberlanjutan
134 2025
Annual Report and Sustainability Report
Page 137
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Refreshment SPPUR Jenjang 4 (PTD)
Sub-Bidang Pengelolaan Transfer Dana
(PTD). 21 Agustus 2025
240. Praveena Public Branches 9
SPPUR Level 4 (PTD) Refreshment for August 21, 2025
Funds Transfer Management (PTD)
Sub-Division.
Pembekalan Sertifikasi Kepatuhan
Jenjang 5. 21 Agustus 2025
241. LSPP Online Compliance 2
Preparation for Level 5 Compliance August 21, 2025
Certification.
Mewujudkan Hari Tua yang Sejahtera:
Strategi Peningkatan Kepesertaan Dana
Pensiun di Sektor Informal. 21 Agustus 2025 Human Capital &
242. OJK Public 2
Achieving a Prosperous Old Age: August 21, 2025 Corporate Secretary
Strategies to Increase Pension Fund
Participation in the Informal Sector.
Dengar Pendapat RPOJK TKA dan
Permohonan Penerusan Surat kepada
Perbankan. 22 Agustus 2025
243. OJK Online Compliance 2
August 22, 2025
Hearing on RPOJK concerning TKA and
Request for Forwarding Letter to Banks.
Refreshment SK SP Jenjang 4 (PTD)
Sub-Bidang Pengelolaan Transfer Dana
(PTD). 25 Agustus 2025
244. Praveena Public KPO Juanda 1
SK SP Level 4 (PTD) Refreshment for August 25, 2025
Funds Transfer Management (PTD)
Sub-Division.
Bedah Buku: “Segitiga Keluarga”. 26 Agustus 2025
245. OJK Online Compliance 1
Book Review: “Segitiga Keluarga”. August 26, 2025
27 Agustus 2025
246. RSEOJK LCR ILAAP. OJK Zoom Finance 3
August 27, 2025
Uji Sertifikasi Kepatuhan Jenjang 5. 27 Agustus 2025
247. Level 5 Compliance Certification LSPP Public August 27, 2025 Compliance 2
Examination.
Undangan Go Publik Workshop
“Asset Backed Securities in Focus
Opportunities and Challenges in
Indonesia’s Market”. BEI dan KSEI 27 Agustus 2025 Human Capital &
248. Public 1
Invitation to the Go Public Workshop IDX and KSEI August 27, 2025 Corporate Secretary
on “Asset Backed Securities in Focus:
Opportunities and Challenges in
Indonesia’s Market”.
Dengar pendapat RSEOJK ILAAP. 27 Agustus 2025
249. OJK Online Risk Management 1
Hearing on RSEOJK ILAAP. August 27, 2025
Sosialisasi SEOJK Nomor 10
Tahun 2025. 28 Agustus 2025
250. OJK Online Compliance 2
Dissemination of SEOJK Number 10 August 28, 2025
of 2025.
Sosialisasi POJK 14 2025 – RUPS,
RUPO, dan RUPSu, Secara Elektronik. 28 Agustus 2025
251. OJK Online Compliance 3
Dissemination of POJK 14/2025 – August 28, 2025
RUPS, RUPO, and RUPSu Electronically..
Strategi Peningkatan Daya Saing serta
Pendalaman Perbankan dan Pasar
Modal Syariah Confirmation. 28 Agustus 2025
252. OJK Zoom Operation 5
Strategies to Enhance Competitiveness August 28, 2025
and Deepen Islamic Banking and
Capital Markets Confirmation.
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 135
Page 138
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Pelaksanaan Uji Sertifikasi Kepatuhan
Sub-bidang Bank Umum J5.
27 Agustus 2025
253. Implementation of Compliance LSPP Public Compliance Division 2
August 27, 2025
Certification Examination for
Commercial Bank Sub-division Level 5.
Pelaksanaan Uji Sertifikasi Treasury
Jenjang 5. 30 Agustus 2025
254. ACI FMA Public Treasury Division 1
Implementation of Treasury August 30, 2025
Certification Examination Level 5.
Desk and Field Collection Retail 30 Agustus 2025
255. Jonson Indonesia Inhouse Retail 48
Training. August 30, 2025
Diskusi Publikasi, Pelaporan, dan
Penetapan Suku Bunga Dasar
Kredit dan Suku Bunga Kredit pada
2 September 2025
Perbankan.
256. OJK Online September 2, Finance 7
Discussion on Publication, Reporting,
2025
and Determination of Prime Lending
Rates and Lending Interest Rates in
Banking.
Sharing Informasi Mitigasi Risiko
Operasional TI dan Siber pada Periode
Libur HBKN Awal September. 2 September 2025
257. Information Sharing on IT and Cyber BI Online September 2, Compliance 2
Operational Risk Mitigation during 2025
the HKBN Holidays Period in Early
September.
Webinar Undangan Seminar GRI 102
& GRI 103 Climate Change and Energy
3 September 2025
Topic Standards – 3 September 2025.
258. IDX Online September 3, Risk Management 2
Invitation to Webinar on GRI 102 & GRI
2025
103 Climate Change and Energy Topic
Standards – September 3, 2025.
Meeting terkait Asistensi Pengisian
Kuesioner FIR on ML/TF Tahun 2025. 3 September 2025
259. Meeting regarding Assistance in PPATK Online September 3, Compliance 2
Completing the FIR on ML/TF 2025 2025
Questionnaire.
Focus Group Discussion terkait RPOJK
4 September 2025
Pengelolaan Rekening Bank.
260. OJK Online September 4, Compliance 4
Focus Group Discussion on Draft POJK
2025
for Bank Account Management.
9 September 2025
Training Akuntansi Perbankan.
261. IAI Public September 9, Finance 1
Banking Accounting Training.
2025
UMKM Mendunia: Strategi Peningkatan
Skala Bisnis Menembus Pasar Nasional
dan Internasional Starts in 1 Hour. 9 September 2025
262. MSMEs Go Global: Strategies to Scale OJK Public September 9, Operation 4
Businesses to Penetrate National and 2025
International Markets – Starts in 1
Hour.
10 September
2025
263. Bloomber Money Morket 101. Bloomberg Offline Credit 1
September 10,
2025
Laporan Tahunan dan Laporan Keberlanjutan
136 2025
Annual Report and Sustainability Report
Page 139
PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Finance Division &
Pelaksanaan Uji Sertifikasi Manajemen 10 September
KC Bandung (BM)
Risiko Jenjang 4. 2025
264. BSMR Public Finance Division & 1
Implementation of Level 4 Risk September 10,
Bandung Branch
Management Certification Examination. 2025
Office (BM)
RPOJK Gugatan oleh OJK untuk
Pelindungan Konsumen di Sektor 11 September
Jasa Keuangan. 2025
265. OJK Online Compliance 1
RPOJK on Lawsuits by OJK for September 11,
Consumer Protection in the Financial 2025
Services Sector.
Dengar Pendapat Publik DE PSAK 338 12 September
(Revisi 2025). 2025
266. IAI Online Finance 1
Public Hearing on Exposure Draft PSAK September 12,
338 (Revision 2025). 2025
Diskusi Recovery Plan dan Integrated 12 September
Stress Test. 2025
267. RMG Online Risk Management 3
Discussion on Recovery Plan and September 12,
Integrated Stress Test. 2025
Rapat Dengar Pendapat atas
Rancangan SEOJK tentang Pelaporan
Bank Umum Konvensional Melalui
15 September
Sistem Pelaporan Otoritas Jasa
2025
268. Keuangan. OJK Online Finance 4
September 15,
Hearing on the Draft SEOJK concerning
2025
Reporting by Conventional Commercial
Banks through the OJK Reporting
System.
Webinar Rancangan SEOJK tentang
Pelaporan Bank Umum APOLO – 15 September
15 September 2025. 2025
269. OJK Online Risk Management 3
Webinar on Draft SEOJK concerning September 15,
APOLO Commercial Banks Reporting – 2025
September 15, 2025.
Permintaan Tanggapan dan Undangan
Rapat Dengar Pendapat atas
Rancangan SEOJK tentang Pelaporan
Bank Umum Konvensional melalui Sistem 15 September
Pelaporan Otoritas Jasa Keuangan. 2025
270. OJK Online Compliance 3
Request for Feedback and Invitation to September 15,
Hearing on the Draft SEOJK concerning 2025
Conventional Commercial Banks
Reporting through the OJK Reporting
System.
15 September
PPh 21 A To Z Coretax Implementasi. Satukelas 2025 Human Capital &
271. Income Tax Article 21 A to Z: Coretax Adhyapana Public 1
September 15, Corporate Secretary
Implementation. Nusantara
2025
16 September
Sosialisasi SPT Tahunan. 2025
272. AEI Online Finance 2
Dissemination of Annual SPT. September 16,
2025
16 September
2025
273. IAI Economic Briefing 2025. IAI Online Finance 1
September 16,
2025
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 137
Page 140
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Permohonan Tanggapan atas RPOJK
tentang Gugatan oleh OJK untuk
Pelindungan Konsumen di Sektor Jasa 16 September
Keuangan. 2025
274. OJK Online Compliance 1
Request for Feedback on RPOJK September 16,
regarding Lawsuits by OJK for 2025
Consumer Protection in the Financial
Services Sector.
17 September
2025
275. Bloomberg Bonds Trading. Bloomberg Online Credit 1
September 17,
2025
Pelatihan dan Sertifikasi Pelindungan 17 September
Data Pribadi. Justitia Training Online and 2025
276. Legal 2
Personal Data Protection Training Center Offline September 17,
and Certification. 2025
Undangan – Korea – Indonesia
Cybersecurity Partnership Day 18 September
(18 September 2025, Jakarta). 2025
277. KISA Offline Risk Management 1
Invitation – Korea – Indonesia September 18,
Cybersecurity Partnership Day 2025
(September 18, 2025, Jakarta).
Tren Modus dan Skema Pencucian
Uang Terbaru: Strategi Identifikasi,
18 September
Mitigasi, dan Penegakan Hukum.
2025 Compliance,
278. Latest Trends in Money Laundering OJK Online 17
September 18, Operation, SKAI
Methods and Schemes: Identification,
2025
Mitigation, and Law Enforcement
Strategies.
18 September
Uji Sertifikasi APU PPT Jenjang 5.
2025
279. AML CTF Certification Examination LSPP Public Compliance 1
September 18,
Level 5.
2025
Asosiasi Emiten
19 September
ESG TALK SERIES #6: IFRS S2 Indonesia
2025
280. Governance: The Strategic Role of ESG Indonesian Online Finance 8
Committees. September 19,
Issuers
2025
Association
22 September
Bulan Inklusi Keuangan. 2025
281. OJK Online Compliance 1
Financial Inclusion Month. September 22,
2025
22 September
Standar Akuntan Keuangan. 2025
282. IAI Book Finance 1
Financial Accounting Standards. September 22,
2025
23 September
Workshop on IFRS Sustainability BEI 2025
283. Online Finance 3
Standards. IDX September 23,
2025
Webinar Indonesia Stock Exchange
Workshop on IFRS Sustainability 23 September
Standards – 23 September 2025. 2025
284. IDX Online Risk Management 2
Indonesia Stock Exchange Webinar: September 23,
Workshop on IFRS Sustainability 2025
Standards – September 23, 2025.
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Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
23 September
IDX - UN SSE: Workshop on IFRS 2025
285. IDX Online Compliance 2
Sustainability Standards. September 23,
2025
Membedah Permasalahan SPT PPN di 24 September
Era Coretax. Pratama 2025
286. Online Finance 4
Reviewing VAT (PPN) Tax Return Issues Indomitra September 24,
in the Coretax Era. 2025
24 September
Chief Risk Officer (CRO) Roundtable 2025
287. PERBANAS Offline Risk Management 1
2025. September 24,
2025
24 September
Excel Series: Business and Financial 2025
288. IAI Public Finance 1
Modeling. September 24,
2025
Edukasi Pengisian SPT Tahunan 25 September
Coretax. 2025
289. IKPI Online Finance 1
Education on Completing Annual Tax September 25,
Returns in Coretax. 2025
Transformasi Generative AI: Peluang
Generative Engine Optimization (GEO)
dalam Menggeser Dominasi Search
25 September
Engine Optimization (SEO).
2025 Compliance, SKAI,
290. Generative AI Transformation: OJK Online 13
September 25, Operation
Opportunities of Generative Engine
2025
Optimization (GEO) in Shifting
the Dominance of Search Engine
Optimization (SEO).
Strengthening Cybersecurity in the 26 September
Payment System Industry to Safeguard 2025
291. BI Offline Risk Management 1
National Interests in September 26,
the Digital Economy. 2025
Webinar IDXCarbon Virtual Open House
Webinar Road to COP 30 – 29 September
29 September 2025. 2025
292. IDX Online Risk Management 2
September 29,
IDXCarbon Virtual Open House Webinar: 2025
Road to COP 30 – September 29, 2025.
29 September
IDXCarbon Virtual Open House Webinar: 2025
293. IDX Online Compliance 2
Road to COP 30. September 29,
2025
30 September
2025
294. Data Strategy and AI Journey. FKDOP Public Operation 4
September 30,
2025
Sharing Informasi Keamanan dan
Keandalan Sistem Pembayaran. 1 Oktober 2025
295. BI Public Compliance Division 3
Information Sharing on Payment October 1, 2025
System Security and Reliability.
Evaluasi Layanan Bank Indonesia Fast
Payment (BI-FAST) Tahun 2025. 1 Oktober 2025
296. BI Public Compliance Division 1
Evaluation of Bank Indonesia Fast October 1, 2025
Payment (BI-FAST) Services in 2025.
The Sustainable Financing
2 Oktober 2025
297. Opportunities in the Indonesian OJK Public Operations Division 4
October 2, 2025
Insurance Industry.
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Page 142
FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Webinar Bijak Mengelola Risiko, Cerdas
Mengambil Keputusan. 3 Oktober 2025
298. One Point Public Compliance 5
Webinar on Managing Risks Wisely, October 3, 2025
Making Smart Decisions.
Sosialisasi CCP APUVINDO. 3 Oktober 2025
299. BI Public Operations Division 3
Dissemination of CCP APUVINDO. October 3, 2025
Team Work Training KC Bandung. KC Bandung
4 Oktober 2025
300. Team Work Training for Bandung Internal Inhouse Bandung 10
October 4, 2025
Branch Office. Branch Office
Team Work Training KC Semarang. KC Semarang
4 Oktober 2025
301. Team Work Training for Semarang Internal Inhouse Semarang 12
October 4, 2025
Branch Office. Branch Office
The 3rd OJK International Research
Forum 2025 Advancing Financial 6 Oktober 2025
302. OJK Public Finance 1
Resilience in a Disrupted Global October 6, 2025
Landscape.
Coaching Clinic BI SKSP. 8 Oktober 2025
303. BI Public Compliance Division 1
Coaching Clinic on BI SKSP. October 8, 2025
Risk Appetite and Risk Culture:
Pilar Utama dalam Penguatan
Manajemen Risiko di Sektor Keuangan
Confirmation. 9 Oktober 2025
304. OJK Public Compliance Division 7
Risk Appetite and Risk Culture: October 9, 2025
Key Pillars in Strengthening Risk
Management in the Financial
Sector Confirmation.
KC Denpasar, KC
Semarang, KCP
Perniagaan
Refreshment SPPUR J4 PUT. 9 Oktober 2025 Denpasar Branch
305. Praveena Public 3
SPPUR Level 4 Refreshment for PUT. October 9, 2025 Office, Semarang
Branch Office,
Perniagaan
Sub-Branch Office
Risk Appetite and Risk Culture: Pilar
Utama dalam Penguatan Manajemen
Risiko di Sektor Keuangan. 9 Oktober 2025
306. OJK Public Operations Division 2
Risk Appetite and Risk Culture: October 9, 2025
Key Pillars in Strengthening Risk
Management in the Financial Sector.
Mendorong Pembiayaan Positif
terhadap Hutan melalui Penguatan
Kapasitas Bank di Indonesia. 14 Oktober 2025
307. PERBANAS Public Risk Management 1
Promoting Positive Financing for October 14, 2025
Forests through Capacity Building of
Banks in Indonesia.
Workshop Lokakarya Perbanas. 14 Oktober 2025
308. PERBANAS Public Compliance 1
Perbanas Workshop. October 14, 2025
Refreshment SPPUR J5 PUT. 15 Oktober 2025
309. LPPI Public Operation Branch 6
SPPUR Level 5 Refreshment for PUT. October 15, 2025
Memahami Pentingnya Integritas
dalam Pengelolaan Lembaga
Keuangan. 16 Oktober 2025
310. FKDKP Public Compliance Division 2
Understanding the Importance of October 16, 2025
Integrity in Managing Financial
Institutions.
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Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Peran Digital Forensik dalam
Penanganan dan Pengungkapan
Kejahatan Keuangan. 16 Oktober 2025 Compliance,
311. OJK Public 13
The Role of Digital Forensics in October 16, 2025 Operation, Finance
Handling and Investigating Financial
Crimes.
Sosialisasi SLIK Enhancement 2025. Loan Asset
17 Oktober 2025
312. Dissemination of SLIK Enhancement OJK Public Management 4
October 17, 2025
2025. Division
18 Oktober 2025
313. LTKM Training. PPATK Inhouse - 100
October 18, 2025
Team Work Training KC Denpasar. KC Denpasar
19 Oktober 2025
314. Team Work Training for Denpasar Internal Inhouse Denpasar 15
October 19, 2025
Branch Office. Branch Office
Kegiatan Tahunan Workshop
ISO27001:2022 tahun 2025. 20 Oktober 2025
315. Skypro Public Compliance 3
Annual ISO 27001:2022 Workshop October 20, 2025
2025.
PBK SPPUR J4 PTP. 21 Oktober 2025 KC Bandung, KC
316. IBI Public 2
PBK SPPUR Level 4 for PTP. October 21, 2025 Juanda
Workshop Simulasi Penanganan
Insiden Siber Sektor Keuangan,
Perdagangan, dan Pariwisata (BSSN). 22 Oktober 2025 Risk Management,
317. BSSN Public 2
Workshop on Cyber Incident Handling October 22, 2025 IT Operation
Simulation in the Financial, Trade, and
Tourism Sectors (BSSN).
Sosialisasi SPT Tahunan Badan dan Kanwil Jakarta
Pribadi. Khusus 22 Oktober 2025
318. Public Finance 1
Dissemination of Annual SPT for Special Jakarta October 22, 2025
Corporate and Individual Taxpayers. Regional Office
22 Oktober 2025
319. IT Compliance Training. Sinaran Training Public IT Operation 2
October 22, 2025
Sosialisasi BI-FRN dan 4 Arah
Kebijakan Operasi Moneter. 24 Oktober 2025
320. BI Public Treasury 1
Dissemination of BI-FRN and the 4 October 24, 2025
Directions of Monetary Operation Policy.
25 Oktober 2025
321. Team Work Training for GA Outsource. Internal Inhouse General Affairs 45
October 25, 2025
Consultative Paper Country dan
Transfer Risk. 27 Oktober 2025
322. OJK Public Compliance 4
Consultative Paper Country and October 27, 2025
Transfer Risk.
Komunikasi Awal PBI dan PADG
Kebijakan Insentif Likuiditas
Makroprudensial (KLM). 29 Oktober 2025
323. BI Public Finance, Compliance 7
Initial Communication on PBI and PADG October 29, 2025
regarding Macroprudential Liquidity
Incentive Policy (KLM).
Webinar Peraturan Bank Indonesia
(PBI) dan Peraturan Anggota Dewan
Gubernur (PADG) mengenai Kebijakan
Insentif Likuiditas Makroprudensial
(KLM). 29 Oktober 2025
324. OJK Public Compliance 4
Webinar on Bank Indonesia Regulation October 29, 2025
(PBI) and Regulation of Members of
the Board of Governors (PADG)
concerning Macroprudential Liquidity
Incentive Policy (KLM).
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FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Secure Issuance, Unified: Strengthening
30 Oktober 2025
325. Operational Resilience for Indonesia FKDKP Public Operations Division 1
October 30, 2025
Banks.
Undangan Kegiatan Refreshment
Pelaporan Pelindungan Konsumen
terkait Rencana Kegiatan Literasi dan
Inklusi Keuangan melalui SIPEDULI. Human Capital &
30 Oktober 2025
326. OJK Public Corporate Secretary 4
Invitation to Refreshment Activity on October 30, 2025
Division
Consumer Protection Reporting related
to Financial Literacy and Inclusion
Programs through SIPEDULI.
30 Oktober 2025
327. Operations Banking Summit 2026. FKDOP Public Operations Division 3
October 30, 2025
Sosialisasi BI-FRN dan 4 Arah
Kebijakan Operasi Moneter. 30 Oktober 2025
328. BI Public Treasury, Operation 2
Dissemination of BI-FRN and the 4 October 30, 2025
Directions of Monetary Operation Policy.
Aplikasi Layanan Bank Indonesia. 30 Oktober 2025
329. BI Public Operations Division 1
Bank Indonesia Service Application. October 30, 2025
Team Work Training KC Surabaya. KC Surabaya
31 Oktober 2025
330. Team Work Training for Surabaya Internal Inhouse Surabaya 16
October 31, 2025
Branch Office. Branch Office
Team Work Training for Retail 1 November 2025
331. Internal Inhouse Retail 87
Outsource. November 1, 2025
Human Capital &
Team Work Training for Outsource 1 November 2025
332. Internal Inhouse Corporate Secretary 5
(OK! Call Center). November 1, 2025
Division
Undangan Kegiatan Komunikasi Awal
Ketentuan mengenai Kebijakan Insentif
Likuiditas Makroprudensial. Treasury, Risk
4 November 2025
333. Invitation to Initial Communication BI Public Management, 8
November 4, 2025
Activity on Regulations regarding Compliance
Macroprudential Liquidity Incentive
Policy.
Diseminasi “Penguatan Komite TPPU
dalam Mencegah dan Memberantas
Tindak Pidana Pencucian Uang terkait
Perjudian Online”. 4 November 2025
334. PPATK Public Compliance 2
Dissemination: “Strengthening the AML November 4, 2025
Committee in Preventing and Combating
Money Laundering Related to Online
Gambling”.
Pemeliharaan Sertifikasi SPPUR J4
Sub-Bidang Pengelolaan Transfer
KC Semarang
Dana. 4 November 2025
335. LPPI Public Semarang 1
Maintenance of SPPUR Level 4 November 4, 2025
Branch Office
Certification for Funds Transfer
Management Sub-Division.
Her Uji Sertifikasi Business Continuity
Management Profesional (BCMP).
5 November 2025
336. Re-examination for Business Continuity RAP Public Risk Management 1
November 5, 2025
Management Professional (BCMP)
Certification.
Menumbuhkan Generasi Melek
Finansial: Memahami Dinamika
Ekonomi dan Stabilitas Keuangan
sebagai Pilar Perekonomian Nasional 11 November
Starts in 1 Hour. 2025
337. OJK Public Operation 5
Fostering a Financially Literate November 11,
Generation: Understanding Economic 2025
Dynamics and Financial Stability as
Pillars of the National Economy Starts
in 1 Hour.
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Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
14 November
Sosialisasi Trade Finance Registry.
2025
338. Dissemination of Trade Finance OJK Public Compliance 1
November 14,
Registry.
2025
15 November
2025 SKAI, Compliance,
Fraud Prevention and Document
339. One Point Inhouse Support Operation, 60
Forensics (Graphonomy) Training. November 15, Operation Branch
2025
Pembekalan Sertifikasi Manajemen 18 November
Risiko Jenjang 4. 2025
340. Maisa Edukasi Public Business 1 Division 1
Level 4 Risk Management Certification November 18,
Preparation. 2025
Joint Workshop Pengembangan Pasar
Repurchase Agreement (Repo) dengan
tema Strengthening Indonesia’s Repo
Market through Synergy and Global 19 November
Best Practices. 2025
341. BI Public IT Operation 3
Joint Workshop on Repurchase November 19,
Agreement (Repo) Market Development 2025
with the theme Strengthening
Indonesia’s Repo Market through
Synergy and Global Best Practices.
Seminar Peran Corporate Secretary
20 November
dalam Era AI dan Reputasi Digital. Human Capital &
2025
342. Seminar on the Role of the Corporate ICSA Public Corporate Secretary 2
November 20, Division
Secretary in the AI Era and Digital
2025
Reputation.
Undangan Seminar When Security
Becomes the Greatest Risk in Financial 20 November
Industry. 2025
343. Infobank Public Risk Managemnet 1
Invitation to Seminar When Security November 20,
Becomes the Greatest Risk in Financial 2025
Industry.
20 November
Pelatihan ICOFR. 2025
344. IAI Public Compliance 1
ICOFR Training. November 20,
2025
Uji Sertifikasi Manajemen Risiko 22 November
Jenjang 4. KCP PIK
2025
345. BSMR Public PIK Sub-Branch 1
Level 4 Risk Management Certification November 22,
Office
Examination. 2025
Indonesia Banking Innovation Conclave 24 November
24 November 2025. 2025
346. FKDOP Public Operation 5
Indonesia Banking Innovation Conclave November 24,
on November 24, 2025. 2025
Sosialisasi APOLO Modul Laporan
Berkala Bank Umum Konvensional
(BUK) serta Laporan Berkala Bank
Umum Syariah (BUS) dan Unit Usaha
24 November
Syariah (UUS).
2025
347. Dissemination of APOLO Module for OJK Public Risk Managemnet 6
November 24,
Periodic Reports of Conventional
2025
Commercial Banks (BUK), as well as
Periodic Reports of Islamic Commercial
Banks (BUS) and Sharia Business Units
(UUS).
25 November
Forum FSI: AI Outlook 2026. 2025
348. AWS Public Risk Managemnet 1
FSI Forum: AI Outlook 2026. November 25,
2025
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FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Finance, Human
26 November Capital & Corporate
Sosialisasi OK! Tax Cove. 2025 Secretary,
349. Internal Inhouse 44
Dissemination of OK! Tax Cove. November 26, Compliance,
2025 Operation, and
Branch
26 November
2025 Human Capital &
Shaping the Future of Work Through
350. Rockbird Media Public Corporate Secretary 2
Innovation. November 26, Division
2025
Undangan Menghadiri Diseminasi Hasil
Penilaian Financial Integrity Rating
on Money Laundering and Terrorist 27 November
Financing (FIR on ML/TF) Tahun 2025. 2025
351. PPATK Public Compliance 2
Invitation to Attend the Dissemination November 27,
of Financial Integrity Rating on Money 2025
Laundering and Terrorist Financing
(FIR on ML/TF) 2025 Assessment Results.
Sosialisasi PADG tentang 28 November
Penyelenggara Saranan Transaksi. 2025
352. BI Public Operation 5
Dissemination of PADG concerning November 28,
Transaction Infrastructure Providers. 2025
Sosialisasi POJK Nomor 24 Tahun 2025 – 28 November
Rekening Bank Umum. 2025
353. OJK Public Compliance 4
Dissemination of POJK Number 24 of November 28,
2025 – Commercial Bank Accounts. 2025
1 Desember 2025
354. Premium CFI Course (Self Study). CFI Institute Public Corporate Planning 3
December 1, 2025
The 2025 ASEAN-Korea Financial
Cooperation Forum: The Future of 2 Desember 2025
355. OJK Public Operation 5
Digital Innovation in Finance Starts in December 2, 2025
1 day.
Uji Sertifikasi Manajemen Risiko
Jenjang 4. 3 Desember 2025
356. BSMR Public Business 1 Division 1
Level 4 Risk Management Certification December 3, 2025
Examination.
Greening Value Chain - Practical
5 Desember 2025
357. Approaches to Decarbonizing SMEs OJK Public Risk Management 1
December 5, 2025
and Enhancing Climate Resilience.
SK SP PBK Jenjang 4 Sub-Bidang PTD.
8 Desember 2025
358. SK SP PBK Level 4 for PTD Praveena Public Branches 2
December 8, 2025
Sub-Division.
Sosialisasi Pendalaman Peraturan
Nomor I-A tentang Pencatatan Saham
dan Efek Bersifat Ekuitas Selain Saham
yang Diterbitkan oleh Perusahaan
Tercatat. 9 Desember 2025 Human Capital &
359. ICSA Public 1
December 9, 2025 Corporate Secretary
In-Depth Dissemination of Regulation
Number I-A concerning the Listing of
Shares and Equity Securities other than
Shares Issued by Listed Companies.
Webinar Proses Bisnis Initial
Public Offering (IPO) dan Dampak 10 Desember
Perpajakannya. 2025 Human Capital &
360. AEI Public 1
Webinar on the Initial Public Offering December 10, Corporate Secretary
(IPO) Business Process and Its Tax 2025
Implications.
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PT Bank Oke Indonesia, Tbk.
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
Kegiatan Refreshment Tanggap Darurat 12 Desember
– Floor Warden. 2025 Head Office
361. Internal Internal 9
Emergency Response Refreshment December 12, Participants
Activity – Floor Warden. 2025
Sosialisasi Kegiatan 2nd Annual
Indonesia Operations Banking Summit 12 Desember
(IOBS) 2026. 2025
362. FKDOP Public Operation 5
Dissemination of the 2nd Annual December 12,
Indonesia Operations Banking Summit 2025
(IOBS) 2026.
Pembekalan Sertifikasi Manajemen 15 Desember
Risiko Jenjang 4. 2025 AI Stratefy, Funding
363. Maisa Edukasi Public 2
Level 4 Risk Management Certification December 15, Product
Preparation. 2025
15 Desember
SK SP PBK Jenjang 4 Sub-Bidang PUT.
2025
364. SK SP PBK Level 4 for PUT Sub- Praveena Public Branches 2
December 15,
Division.
2025
15 Desember
Sosialisasi Ketentuan Perbankan. 2025
365. OJK Public Compliance 1
Dissemination of Banking Regulations. December 15,
2025
Sosialisasi Peraturan Bank Indonesia
dan Peraturan Anggota Dewan
15 Desember
Gubernur (PBI dan PADG).
2025
366. Dissemination of Bank Indonesia BI Public Compliance 2
December 15,
Regulations and Regulations of
2025
Members of the Board of Governors
(PBI and PADG).
15 Desember
Sosialisasi Perubahan Besaran KLM.
2025
367. Dissemination of Changes in the KLM BI Public Compliance 1
December 15,
Rate.
2025
SK SP Pemeliharaan Jenjang 4 17 Desember
Sub-Bidang PUT. 2025
368. Praveena Public Branches 1
SK SP Maintenance Level 4 for PUT December 17,
Sub-Division. 2025
Focus Group Discussion POJK Nomor 24
Tahun 2025 tentang Pengelolaan 17 Desember
Rekening pada Bank Umum Confirmation. 2025
369. OJK Public Operation 5
Focus Group Discussion on POJK December 17,
Number 24 of 2025 concerning Bank 2025
Account Management Confirmation.
Sosialisasi Apolo Modul TPPU TPPT 17 Desember
PPSPM (All Sector). 2025
370. OJK Public Compliance 2
Dissemination of APOLO Module on December 17,
AML/CTF and CPF (All Sectors). 2025
18 Desember
SK SP PBK Jenjang 4 Sub-Bidang PTP. 2025
371. Praveena Public Branches 3
SK SP PBK Level 4 for PTP Sub-Division. December 18,
2025
Undangan Sosialisasi Regulasi
dan Sistem Pelaporan Perubahan 19 Desember
Kepemilikan Saham. 2025 Human Capital &
372. OJK Public Corporate Secretary, 2
Invitation to Dissemination of December 19, Compliance
Regulations and Reporting System 2025
for Changes in Share Ownership.
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FUNGSI PENUNJANG BISNIS
Business support functions
Metode Jumlah
Pelatihan Pelatihan Periode Divisi Peserta
No. Vendor
Training Training Period Division Total
Method Participants
19 Desember
Kesiapan SP FMI BI NATARU 2025.
2025 Operation, IT
373. Readiness of BI FMI Payment Systems BI Public 13
December 19, Operation
for the 2025 NATARU Period.
2025
20 Desember
Transforming Credit Quality: From 2025 Credit Review and
374. Review to Strategic Action Training Internal Inhouse 25
December 20, Business
Program 2025.
2025
23 Desember Human Capital
Sosialisasi Sistem dan SPO IASC.
2025 & Corporate
375. Dissemination of IASC Systems OJK Public 10
December 23, Secretary, Operation,
and SOPs. Compliance
2025
Undangan Sosialisasi Pengembangan
Sistem Informasi Program Anti-
Pencucian Uang dan Pencegahan
Pendanaan Terorisme (SIGAP) Tahun 23 Desember
2025. 2025
376. OJK Public Compliance 2
Invitation to Dissemination on December 23,
the Development of the Information 2025
System for Anti-Money Laundering
and Counter-Terrorist Financing
Programs (SIGAP) 2025.
SK SP Pemeliharaan Jenjang 6 29 Desember
Sub-Bidang PTD. 2025
377. LSP SPI Public Operation 1
SK SP Maintenance Level 6 for PTD December 29,
Sub-Division. 2025
RATA-RATA JAM PELATIHAN KARYAWAN OK BANK [GRI 404-1]
Average Employee Training Hours at OK BANK
Jumlah Karyawan yang Rata-Rata Jam
Memperoleh Pelatihan Pelatihan per Karyawan
Total Employees Average Training Hours
Jam Pelatihan
Uraian Receiving Training per Employee Description
Training Hours
(Orang) (Jam/Orang)
(Persons) (Hours/Person)
Jumlah 333 15.522 5,83 Total
Berdasarkan Gender
By Gender
Pria 167 7.948 5,95 Male
Wanita 166 7.574 5,70 Female
Berdasarkan Level Organisasi
By Organizational Level
Executive Level 8 376 5,87 Executive Level
Senior Level 65 3.081 5,92 Senior Level
Mid Level 38 2.043 6,72 Mid Level
Entry Level 222 10.022 5,64 Entry Level
OK BANK telah menyelenggarakan 436 program pengembangan OK BANK organized 436 competency development programs
kompetensi dengan jumlah peserta mencapai 333 orang atau with a total of 333 participants or 100.00% of the total
100,00% dari jumlah karyawan pada tahun 2025. Selain itu, employees in 2025. In addition, the total training hours reached
jumlah jam pelatihan mencapai 15.522 jam dengan rata-rata 15,522 hours, with an average of 5.83 hours of training
jam pelatihan 5,83 jam pada setiap karyawan. [ESG S-05] per employee. [ESG S-05]
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PT Bank Oke Indonesia, Tbk.
Penilaian Kinerja [GRI 404-3] Performance Assessment [GRI 404-3]
Pelaksanaan penilaian kinerja pada tahun 2025 menjadi The performance assessment, conducted in 2025, became
bagian penting dalam memastikan kualitas dan kontribusi an important part of ensuring that the quality and contribution
setiap karyawan di OK BANK terus terpantau dan berkembang. of each employee at OK BANK are continuously monitored
Sebanyak 306 karyawan mengikuti proses penilaian yang and developed. A total of 306 employees participated in
dilakukan secara terstruktur untuk memperoleh gambaran the assessment process, which was conducted in a structured
objektif mengenai pencapaian karyawan sepanjang tahun. manner to obtain an objective overview of employees’
Hasil evaluasi ini tidak hanya memberikan umpan balik yang achievements throughout the year. The evaluation results
konstruktif bagi karyawan, tetapi juga membantu OK BANK not only provide constructive feedback to employees but also
memahami area yang perlu diperkuat, baik dari sisi kompetensi help OK BANK identify areas that need strengthening, both in
maupun dukungan yang diperlukan untuk meningkatkan terms of competencies and the support required to improve
performa. performance.
Hasil dari penilaian kinerja tersebut kemudian digunakan The outcomes of this performance assessment are then used
sebagai dasar dalam pengembangan karier, pemberian as a basis for career development, rewards, and promotion
penghargaan, hingga penentuan promosi jabatan. Dari decisions. Of all participants, 14 employees successfully
keseluruhan peserta, sebanyak 14 karyawan berhasil received promotions due to outstanding achievements
memperoleh promosi berkat pencapaian yang menonjol dan and consistent demonstration of optimal performance.
konsistensi dalam menunjukkan kinerja optimal. Pencapaian This accomplishment reflects OK BANK’s commitment to
ini mencerminkan komitmen OK BANK dalam menerapkan implementing a fair system while also motivating all employees
sistem yang adil, sekaligus memberikan motivasi bagi to continue improving their skills and contributions. Thus,
seluruh karyawan untuk terus meningkatkan kemampuan the performance assessment process plays a crucial role in
dan kontribusinya. Dengan demikian, proses penilaian kinerja supporting both individual growth and the organization’s
berperan penting dalam mendukung pertumbuhan individu continuous advancement.
maupun kemajuan organisasi secara berkelanjutan.
Dasar penilaian kinerja yang diterapkan oleh OK BANK The performance assessment criteria applied by OK BANK
diuraikan sebagai berikut: are as follows:
1. Teamwork Behaviour; 1. Teamwork Behaviour;
2. Komunikasi; 2. Communication;
3. Kepemimpinan; 3. Leadership;
4. Disiplin; serta 4. Discipline; and
5. Kepatuhan. 5. Compliance.
JUMLAH KARYAWAN OK BANK YANG MENERIMA TINJAUAN RUTIN TERHADAP KINERJA DAN
PENGEMBANGAN KARIER
Total OK BANK’s Employees Receiving Regular Performance and Career Development Reviews
Uraian 2025 2024 2023 Description
Karyawan yang Menerima Tinjauan Rutin berdasarkan Gender
Employee Receiving Regular Review by Gender
Pria 161 167 170 Male
Wanita 164 158 157 Female
Karyawan yang Menerima Tinjauan Rutin berdasarkan Level Organisasi
Employee Receiving Regular Review by Organizational Level
Executive Level 40 35 39 Executive Level
Senior Level 77 62 62 Senior Level
Mid Level 138 128 143 Mid Level
Entry Level 70 72 82 Entry Level
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Rencana Pengembangan SDM ke Depan Future HR Development Plan
Arah pengembangan SDM ke depan menuntut OK BANK untuk The future direction of HR development requires
semakin responsif terhadap perubahan lingkungan bisnis yang OK BANK to become increasingly responsive to the rapidly
bergerak cepat dan dinamika kebutuhan kompetensi yang terus changing business environment and the evolving demands
berkembang. OK BANK perlu membangun fondasi pengelolaan for competencies. OK BANK needs to build a stronger,
talenta yang lebih kuat, terukur, dan berkelanjutan agar setiap measurable, and sustainable talent management foundation
individu memiliki kesempatan yang sama untuk bertumbuh so that every individual has an equal opportunity to grow and
dan memberikan kontribusi terbaik. Dalam konteks ini, fokus contribute the best. In this context, the focus is not only on
tidak hanya pada peningkatan keterampilan teknis, tetapi enhancing technical skills but also on strengthening character,
juga pada penguatan karakter, pola pikir, dan kemampuan mindset, and adaptability relevant to future requirements. By
adaptasi yang relevan dengan tuntutan masa depan. Dengan considering the various emerging challenges and opportunities,
mempertimbangkan berbagai tantangan dan peluang yang the HR development plan is designed as a strategic guide to
muncul, rencana pengembangan SDM disusun sebagai ensure OK BANK’s readiness to face changes and maintain
panduan strategis untuk memastikan kesiapan OK BANK operational continuity with increasingly superior HR quality.
dalam menghadapi perubahan dan menjaga keberlangsungan
operasional dengan kualitas SDM yang semakin unggul.
Rencana program pengembangan SDM yang akan dilakukan The HR development programs planned by OK BANK for
OK BANK di tahun mendatang meliputi: the coming year include:
1. Sertifikasi Kompetensi, seperti: 1. Competency Certifications, such as:
a. Sertifikasi Risk Management; a. Risk Management Certification;
b. Sertifikasi Appraisal; b. Appraisal Certification;
c. Sertifikasi SPPUR; c. SPPUR Certification;
d. Dan lain-lain pelatihan sertifikasi yang merupakan d. Other certification trainings that constitute mandatory
sertifikasi kompetensi wajib dari regulator (OJK dan BI); competency certifications required by regulators
(OJK and BI);
2. Sertifikasi Non-Kompetensi, seperti: 2. Non-Competency Certifications, such as:
a. Sertifikasi K3; a. OHS Certification;
b. Sertifikasi General Banking; b. General Banking Certification;
3. Peningkatan Kompetensi Lainnya, seperti: 3. Other Competency Development, such as:
a. Pelatihan Excel; a. Excel Training;
b. Grafonomi; b. Graphonomy;
c. Bagaimana melakukan analisis terhadap Laporan c. How to conduct analysis of a company’s Financial
Keuangan perusahaan dan kelayakan pemberian Statements and assess the feasibility of credit
persetujuan kredit; approval;
d. Dan lain-lain; d. And others;
4. Kepemimpinan; serta 4. Leadership; and
5. Pelatihan Non-Teknis Lainnya, seperti: 5. Other Non-Technical Training, such as:
a. Presentation Skill; a. Presentation Skills;
b. Service Ethics; b. Service Ethics;
c. Sales Ethics; c. Sales Ethics;
d. Dan lain-lain. d. And others.
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Tata Kelola Teknologi Informasi
Information Technology Governance
OK BANK menerapkan tata kelola Teknologi Informasi (TI) OK BANK applies good Information Technology (IT) governance
yang baik sebagai landasan utama dalam penyelenggaraan as a main basis for the implementation and management of
dan pengelolaan sistem TI yang andal, aman, dan selaras IT system which is reliable, secure, and aligns with the Bank’s
dengan strategi bisnis Bank. Tata kelola ini dirancang untuk business strategy. This governance framework is designed
memastikan bahwa pemanfaatan TI tidak hanya mendukung to ensure that the utilization of IT not only supports smooth
kelancaran operasional, tetapi juga memberikan nilai tambah, operations but also creates added value, enhances efficiency,
meningkatkan efisiensi, serta menjaga keberlangsungan usaha and safeguards business continuity amid the increasingly
di tengah dinamika industri perbankan yang semakin digital. digital dynamics of the banking industry.
Penyelenggaraan TI dilakukan melalui kerangka kebijakan, IT implementation is carried out through a clear policy
struktur organisasi, serta mekanisme pengawasan yang jelas, framework, organizational structure, and supervisory
termasuk pemisahan peran dan tanggung jawab antara fungsi mechanisms, including the segregation of roles and
perencanaan, pengembangan, pengoperasian, dan pengendalian. responsibilities among planning, development, operations, and
Pemisahan fungsi tersebut bertujuan untuk memperkuat control functions. This segregation aims to strengthen internal
pengendalian internal, meminimalkan potensi risiko, serta controls, minimize potential risks, and ensure that each IT
memastikan setiap inisiatif TI dikelola secara objektif, terukur, initiative is managed objectively, measurably, and accountably
dan akuntabel sesuai dengan kebutuhan bisnis Bank. in accordance with the Bank’s business needs.
Dalam rangka menjaga keandalan sistem dan keamanan In order to maintain system reliability and information security,
informasi, OK BANK secara konsisten menerapkan pengendalian OK BANK consistently implements internal controls and
internal dan melakukan evaluasi berkala terhadap kebijakan, conducts periodic evaluations of IT policies, procedures, and
prosedur, serta kinerja sistem TI. Evaluasi ini dilakukan untuk system performance. These evaluations are undertaken to
memastikan efektivitas pengendalian, kesiapan menghadapi ensure the effectiveness of controls, readiness to address
risiko teknologi, serta kemampuan sistem dalam mendukung technology-related risks, and the capability of IT systems to
layanan kepada nasabah secara berkelanjutan. sustainably support customer services.
Roadmap Pengembangan TI IT Development Roadmap
Roadmap pengembangan TI OK BANK disusun sebagai panduan OK BANK’s IT development roadmap is formulated as
strategis jangka menengah dan panjang untuk memastikan a medium- to long-term strategic guide to ensure the Bank’s
kesiapan Bank dalam menghadapi perkembangan teknologi readiness in addressing technological advancements and
dan kebutuhan bisnis yang semakin kompleks. Roadmap ini increasingly complex business needs. The roadmap integrates
mengintegrasikan inisiatif pengembangan secara bertahap, development initiatives in phases, by considering priority
dengan mempertimbangkan skala prioritas, kesiapan sistem, serta scales, system readiness, as well as prudential principles in
prinsip kehati-hatian dalam pengelolaan risiko dan investasi. risk and investment management.
Pada tahap awal, pengembangan TI difokuskan pada In the initial phase, IT development is focused on optimizing
optimalisasi sistem yang telah berjalan, pemenuhan existing systems, meeting regulatory compliance requirements,
kebutuhan kepatuhan regulasi, serta peningkatan kualitas and enhancing the quality of digital services for customers. This
layanan digital kepada nasabah. Langkah ini menjadi fondasi step serves as the foundation for more advanced development,
bagi pengembangan lanjutan yang lebih kompleks, termasuk including the strengthening of electronic banking services,
penguatan layanan perbankan elektronik, peningkatan sistem enhancement of financing systems, and reinforcement of IT
pembiayaan, serta penguatan keamanan dan infrastruktur TI. security and infrastructure.
Dalam jangka menengah hingga panjang, roadmap For the medium to long term, the development roadmap is
pengembangan diarahkan pada peningkatan skalabilitas directed towards improving system integration scalability and
integrasi sistem dan modernisasi platform utama Bank. Dengan modernizing the Bank’s main platforms. Through a structured
roadmap yang terarah dan berkesinambungan, OK BANK and sustainable roadmap, OK BANK ensures that each IT
memastikan bahwa setiap pengembangan TI dapat mendukung development initiative supports sustainable business growth
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pertumbuhan bisnis secara berkelanjutan dan meningkatkan and enhances the Bank’s competitiveness within the banking
daya saing Bank di industri perbankan. industry.
Manajemen Risiko Penyelenggaraan TI Risk Management of Implementing IT
OK BANK menerapkan manajemen risiko penyelenggaraan OK BANK implements structured IT operations risk management
TI secara terstruktur untuk memastikan keandalan sistem, to ensure system reliability, data security, and the continuity of
keamanan data, dan kesinambungan operasional Bank. the Bank’s operations. Risk management is carried out through
Pengelolaan risiko dilakukan melalui proses identifikasi, continuous processes of identifying, measuring, monitoring,
pengukuran, pemantauan, dan pengendalian risiko TI secara and controlling IT-related risks, in alignment with the Bank’s
berkelanjutan, sejalan dengan kerangka manajemen risiko overall risk management framework.
Bank secara keseluruhan.
Risiko yang dikelola mencakup risiko operasional, risiko The risks managed include operational risk, information security
keamanan informasi, serta risiko kegagalan sistem yang dapat risk, and system failure risk that may affect customer services.
memengaruhi layanan kepada nasabah. Penerapan manajemen The implementation of IT risk management is supported by
risiko TI didukung oleh kebijakan dan prosedur yang selaras policies and procedures aligned with the Bank’s business
dengan strategi bisnis dan ketentuan regulator, sehingga setiap strategy and regulatory requirements, ensuring that every
pengembangan dan pengoperasian sistem dilakukan secara system development and operation is conducted in a controlled
terkendali. manner.
Evaluasi risiko TI dilakukan secara berkala melalui pemantauan IT risk evaluations are conducted periodically through system
kinerja sistem, pengujian keamanan, serta peninjauan performance monitoring, security testing, and reviews of
efektivitas pengendalian internal. Dengan pendekatan ini, the effectiveness of internal controls. Through this approach,
OK BANK dapat merespons potensi gangguan secara lebih OK BANK is able to respond more swiftly and appropriately to
cepat dan tepat, serta memastikan bahwa pemanfaatan TI potential disruptions, while ensuring that the utilization of IT
tetap berada dalam tingkat risiko yang dapat diterima. remains within an acceptable level of risk.
Ketahanan dan Keamanan Siber Cybersecurity and Resilience
Ketahanan dan keamanan siber merupakan bagian integral Cyber resilience and security form an integral part of
dari penyelenggaraan TI di OK BANK. Bank menerapkan IT implementation at OK BANK. The Bank implements
kebijakan keamanan informasi dan penguatan infrastruktur information security policies and progressively strengthens its
TI secara bertahap dan berkelanjutan guna melindungi data, IT infrastructure on an ongoing basis to protect data, systems,
sistem, serta layanan perbankan dari berbagai ancaman siber. and banking services from various cyber threats.
Sepanjang tahun 2025, OK BANK telah merealisasikan sejumlah Throughout 2025, OK BANK had realized several strategic
inisiatif strategis untuk memperkuat keamanan siber, antara initiatives to strengthen cyber security, including
lain melalui implementasi Security Operation Center (SOC) the implementation of a Security Operation Center (SOC) and
dan Security Information and Event Management (SIEM) Security Information and Event Management (SIEM) systems
guna meningkatkan kemampuan pemantauan dan respons to enhance monitoring capabilities and incident response
terhadap insiden keamanan. Selain itu, penerapan Digital to security threats. In addition, the adoption of Digital Rights
Rights Management (DRM) dan penggunaan penetration Management (DRM) and the use of penetration testing tools
testing tools dilakukan untuk melindungi aset digital Bank serta were undertaken to safeguard the Bank’s digital assets and
mengidentifikasi potensi kerentanan sistem secara proaktif. proactively identify potential system vulnerabilities.
Pengelolaan keamanan siber juga dilengkapi dengan Cyber security management is further supported by incident
mekanisme respons insiden dan pemulihan sistem untuk response and system recovery mechanisms to ensure
memastikan kesinambungan operasional apabila terjadi operational continuity in the event of disruptions. Through
gangguan. Dengan pendekatan yang terintegrasi dan adaptif an integrated and adaptive approach to evolving digital threats,
terhadap perkembangan ancaman digital, OK BANK berupaya OK BANK strives to maintain customer trust and ensure the
menjaga kepercayaan nasabah dan memastikan stabilitas stability and reliability of its banking services.
serta keandalan layanan perbankan.
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Realisasi Pengembangan TI di Tahun 2025 Realization of IT Development in 2025
Sepanjang tahun 2025, OK BANK merealisasikan berbagai Throughout 2025, OK BANK had realized various IT development
inisiatif pengembangan TI yang mencakup penguatan layanan initiatives encompassing the strengthening of digital services,
digital, pemenuhan kewajiban pelaporan regulasi, peningkatan fulfilment of regulatory reporting obligations, enhancement
manajemen risiko, dan penguatan keamanan serta of risk management, and reinforcement of IT security and
infrastruktur TI. Seluruh realisasi pengembangan dilakukan infrastructure. All development initiatives were carried out
secara bertahap sesuai rencana implementasi dengan in phases in accordance with the implementation plan, by
memperhatikan prinsip tata kelola, efektivitas biaya, serta considering governance principles, cost-effectiveness, and
kesiapan operasional Bank. the Bank’s operational readiness.
Pada aspek pengembangan aplikasi dan sistem bisnis, Bank In terms of application and business system development,
telah menyelesaikan implementasi sejumlah inisiatif yang the Bank completed several initiatives aimed at improving
mendukung peningkatan efisiensi dan kualitas layanan. efficiency and service quality. The Direct Debit feature through
Fitur Direct Debit melalui AyoConnect pada Loan Origination AyoConnect within the Loan Origination System (LOS) had
System (LOS) telah direalisasikan untuk memberikan been implemented to facilitate customers in meeting their loan
kemudahan pembayaran kewajiban pinjaman bagi nasabah. repayment obligations. In addition, a Credit Scoring System
Selain itu, Credit Scoring System (CSS) untuk segmen (CSS) for the retail segment was introduced to enhance
ritel telah diimplementasikan guna meningkatkan kualitas the quality of credit analysis and risk assessment with greater
analisis kredit dan pengukuran risiko secara lebih akurat. accuracy. The Bank also completed the development of
Bank juga telah menyelesaikan pengembangan landing page a funding product landing page on the OK BANK website to
produk funding pada situs web OK BANK untuk mendukung support fund-raising activities by Relationship Managers.
aktivitas penghimpunan dana oleh Relationship Manager.
Sejalan dengan penguatan layanan digital, OK BANK telah In line with the strengthening of digital services, OK BANK
menyelesaikan seluruh tahapan pengembangan aplikasi completed all stages of development for its New Mobile Banking
New Mobile Banking pada tahun 2025. Hingga akhir tahun, application in 2025. Until the end of the year, the application
aplikasi tersebut berada dalam tahap proses persetujuan dan was undergoing the approval and licensing process with
perizinan dari regulator, termasuk BI dan OJK. Tahapan ini the regulators, including BI and OJK. This process was carried
dilakukan untuk memastikan bahwa implementasi layanan out to ensure that the implementation of the Mobile Banking
Mobile Banking dapat memenuhi seluruh ketentuan regulator service complies with all regulatory requirements prior to its
sebelum dioperasikan secara penuh kepada nasabah. full launch to customers.
Dalam rangka pemenuhan kebutuhan kepatuhan dan penguatan In order to fulfil compliance requirements and strengthen risk
manajemen risiko, OK BANK merealisasikan pengembangan management, OK BANK carried out the development of various
berbagai laporan regulasi, antara lain Kewajiban Penyediaan regulatory reports, including the Capital Adequacy Ratio (CAR),
Modal Minimum (KPMM), Suku Bunga Dasar Kredit (SBDK), Prime Lending Rate (SBDK), Net Stable Funding Ratio (NSFR),
Net Stable Funding Ratio (NSFR), dan Liquidity Coverage Ratio and Liquidity Coverage Ratio (LCR), which are currently in
(LCR), yang saat ini berada dalam tahap penyelesaian. Selain the finalization stage. In addition, the Bank also had completed
itu, Bank juga telah menyelesaikan pengembangan laporan the development of the Interest Rate Risk in the Banking
Interest Rate Risk in Banking Book (IRRBB) sebagai bagian Book (IRRBB) report as part of its efforts to strengthen
dari upaya memperkuat pengelolaan risiko suku bunga secara interest rate risk management in a more measured and
lebih terukur dan sistematis. systematic manner.
Dari sisi keamanan dan infrastruktur TI, OK BANK telah From the perspective of IT security and infrastructure,
merealisasikan berbagai inisiatif strategis, antara lain OK BANK carried out various strategic initiatives, including
implementasi Digital Rights Management (DRM), penggunaan the implementation of Digital Rights Management (DRM),
penetration testing tools untuk meningkatkan keamanan the use of penetration testing tools to enhance system
sistem, dan penggantian perangkat jaringan serta firewall security, and the replacement of network devices and firewalls
yang telah memasuki masa akhir dukungan. Bank juga telah that had reached end-of-support. The Bank also completed
menyelesaikan implementasi Security Operation Center (SOC) the implementation of a Security Operation Center (SOC)
dan Security Information and Event Management (SIEM) guna and Security Information and Event Management (SIEM) to
memperkuat kemampuan pemantauan serta respons terhadap strengthen integrated monitoring capabilities and response to
insiden keamanan siber secara terintegrasi. cyber security incidents.
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Selain penguatan sistem dan keamanan, OK BANK juga telah In addition to system and security enhancements, OK BANK had
mengimplementasikan Groupware C-Lounge sebagai sarana also implemented Groupware C-Lounge as a platform to support
pendukung kolaborasi dan komunikasi internal antar-unit internal collaboration and communication across business units.
kerja. Implementasi ini bertujuan meningkatkan produktivitas, This implementation aimed to improve productivity, enhance
efektivitas koordinasi, serta mendukung budaya kerja yang coordination effectiveness, and foster a more collaborative work
lebih kolaboratif dalam menjalankan operasional Bank. culture in carrying out the Bank’s operations.
Secara keseluruhan, realisasi pengembangan TI sepanjang Overall, the IT development initiatives realized throughout
tahun 2025, mencerminkan komitmen OK BANK dalam 2025 reflect OK BANK’s commitment to building reliable,
membangun sistem TI yang andal, aman, dan terintegrasi. secure, and integrated IT systems. The initiatives implemented
Inisiatif yang telah direalisasikan memberikan fondasi yang have established a strong foundation for improving service
kuat bagi peningkatan kualitas layanan, kepatuhan terhadap quality, ensuring compliance with regulatory requirements,
ketentuan regulator, serta kesiapan Bank dalam melanjutkan and enhancing the Bank’s readiness to continue its digital
transformasi digital secara berkelanjutan. transformation on a sustainable basis.
Tujuan Pengembangan Sistem Berbasis Objectives of IT-Based System Development
TI 2025 in 2025
Pengembangan sistem berbasis TI pada tahun 2025 diarahkan The development of IT-based systems in 2025 was directed
untuk memperkuat kapabilitas operasional OK BANK agar towards strengthening OK BANK’s operational capabilities to
mampu memberikan layanan yang lebih efisien, aman, dan deliver more efficient, secure, and responsive services. These
responsif. Upaya ini bertujuan mendukung kelancaran proses efforts aim to support the smooth execution of business
bisnis, meningkatkan kualitas layanan kepada nasabah, serta processes, enhance service quality for customers, and ensure
memastikan kesiapan sistem dalam memenuhi kebutuhan system readiness in meeting compliance and risk management
kepatuhan dan pengelolaan risiko. requirements.
Selain peningkatan efisiensi operasional, pengembangan In addition to improving operational efficiency, IT system
sistem TI juga ditujukan untuk membangun fondasi teknologi development was also intended to build a more integrated and
yang lebih terintegrasi dan adaptif terhadap perkembangan adaptive technological foundation in response to developments
industri perbankan. Sistem yang dikembangkan diharapkan in the banking industry. The systems developed are expected
dapat mendukung pengambilan keputusan berbasis data, to support data-driven decision-making, enhance operational
meningkatkan ketahanan operasional, serta membuka peluang resilience, and create opportunities for the sustainable
pengembangan layanan di masa depan secara berkelanjutan. development of future services.
Manfaat Pengembangan TI Benefits of IT Development
Pengembangan TI memberikan manfaat nyata bagi OK BANK IT development provides tangible benefits to OK BANK in
dalam meningkatkan efisiensi operasional dan kualitas layanan enhancing operational efficiency and service quality for
kepada nasabah. Sistem yang semakin terintegrasi membantu customers. Increasingly integrated systems help accelerate
mempercepat proses, mengurangi potensi kesalahan, serta processes, reduce the potential for errors, and improve
meningkatkan keandalan layanan perbankan melalui berbagai the reliability of banking services across various available
kanal yang tersedia. channels.
Selain manfaat operasional, penguatan TI juga memberikan Beyond operational benefits, IT strengthening also delivers
nilai strategis bagi manajemen dalam mendukung pengambilan strategic value to management in supporting decision-making.
keputusan. Ketersediaan data yang lebih akurat dan terukur The availability of more accurate and measurable data enables
membantu Bank dalam memantau kinerja, mengelola risiko, the Bank to monitor performance, manage risks, and formulate
dan merumuskan strategi bisnis yang lebih tepat sasaran, more targeted business strategies, thereby strengthening
sehingga memperkuat daya saing Bank di industri perbankan. the Bank’s competitiveness within the banking industry.
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Investasi TI Tahun 2025 IT Investment in 2025
Investasi di bidang TI pada tahun 2025 menjadi fokus utama In 2025, IT investment became a key focus for OK BANK to
OK BANK untuk memperkuat infrastruktur digital dan strengthen its digital infrastructure and support comprehensive
mendukung transformasi operasional secara menyeluruh. operational transformation. These efforts include
Upaya ini mencakup pengembangan sistem baru, penambahan the development of new systems, addition of service features,
fitur layanan, dan peningkatan keamanan serta efisiensi proses and improvements in security and business process efficiency.
bisnis. Dengan pendekatan yang strategis, OK BANK berupaya With a strategic approach, OK BANK aims to ensure that
memastikan bahwa setiap proyek TI tidak hanya meningkatkan every IT project not only enhances internal performance but
kinerja internal, tetapi juga menghadirkan pengalaman yang lebih also delivers a better experience for customers and supports
baik bagi nasabah serta mendukung daya saing jangka panjang. long-term competitiveness.
Alokasi anggaran dana OK BANK untuk investasi TI pada tahun OK BANK’s budget allocation for IT investment in 2025
2025 mencapai Rp27,77 miliar. Hingga saat ini, sebesar Rp16,39 amounted to Rp27.77 billion. Until now, Rp16.39 billion, or
miliar, atau 59,03% dari jumlah anggaran telah digunakan untuk 59.03% of the total budget, has been utilized for various ongoing
berbagai proyek investasi TI yang sedang berjalan. Realisasi ini IT investment projects. This realization reflects OK BANK’s
mencerminkan komitmen OK BANK dalam menjalankan strategi commitment to consistently implementing its digital strategy
digital secara konsisten, sekaligus memastikan bahwa dana yang while ensuring that allocated funds are effectively used to
dialokasikan dapat dimanfaatkan secara efektif untuk mencapai achieve the planned technology development objectives.
tujuan pengembangan teknologi yang telah direncanakan.
Informasi mengenai investasi TI yang dilakukan OK BANK Information regarding IT investments undertaken by OK BANK
sepanjang tahun 2025 diuraikan sebagai berikut: throughout 2025 is outlined as follows:
INVESTASI TI TAHUN 2025
IT Investment in 2025
Biaya Investasi
No. Investasi Investment Fee Investment
(Rp)
1. Hardware 4.342.847.400 Hardware
2. Software 23.279.435.600 Software
3. License 150.000.000 License
Jumlah 27.772.283.000 Total
BIAYA INVESTASI TI
IT Investment Expenditure
Realisasi Biaya Anggaran Penyerapan
No. Investasi Fee Realization Budget Absorption Investment
(Rp) (Rp) (Rp)
1. Investasi TI OPEX 33.034.494.753 31.913.000.000 103,51 OPEX IT Investment
2. Investasi TI CAPEX 16.395.041.750 27.772.283.000 59,03 CAPEX IT Investment
Rencana Pengembangan Sistem TI ke Depan Future IT System Development Plans
OK BANK menyusun rencana pengembangan sistem TI untuk OK BANK has formulated an IT system development plan for
periode 2026 hingga 2028 sebagai bagian dari strategi jangka the 2026–2028 period as part of its medium- and long-term
menengah dan panjang dalam memperkuat transformasi strategy to strengthen digital transformation, enhance
digital, meningkatkan kapabilitas operasional, serta operational capabilities, and sustainably expand banking
memperluas layanan perbankan secara berkelanjutan. Rencana services. The plan is designed to be implemented in phases, by
ini dirancang secara bertahap dengan mempertimbangkan considering business needs, system readiness, and prudential
kebutuhan bisnis, kesiapan sistem, dan prinsip kehati-hatian principles in managing IT-related risks and investments.
dalam pengelolaan risiko serta investasi TI.
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Pada tahun 2026, fokus utama pengembangan diarahkan In 2026, the main focus of development will be directed to
pada penyelesaian dan penguatan layanan digital yang telah completing and strengthening digital services established in
dibangun pada tahun sebelumnya, khususnya implementasi the previous year, particularly the final implementation of
final aplikasi New Mobile Banking setelah memperoleh the New Mobile Banking application upon obtaining regulatory
persetujuan regulator. Selain itu, Bank merencanakan approval. Moreover, the Bank plans to enhance Core Banking
peningkatan kapabilitas Core Banking melalui pengembangan capabilities through the development of foreign currency
layanan pendanaan dan pembiayaan valuta asing yang funding and financing services integrated with the SWIFT
terintegrasi dengan jaringan SWIFT. Inisiatif ini mencakup network. This initiative includes upgrades to the core
peningkatan sistem inti, middleware, infrastruktur pendukung, system, middleware, supporting infrastructure, and fulfilment
dan pemenuhan kebutuhan lisensi guna mendukung transaksi of licensing requirements to support secure and reliable
internasional secara aman serta andal. Pada tahun yang sama, international transactions. In the same year, the Bank also
Bank juga merencanakan peningkatan sistem pelaporan Anti- plans to upgrade its Anti-Money Laundering (AML) reporting
Pencucian Uang (AML), pengembangan sistem operasional, system, enhance operational systems, and further develop
dan pengembangan Loan Origination System (LOS) untuk the Loan Origination System (LOS) for the non-retail segment
segmen non-ritel sebagai upaya meningkatkan efisiensi serta as part of efforts to improve efficiency and the quality
kualitas proses pembiayaan. of financing processes.
Sejalan dengan peningkatan layanan dari sistem inti, OK BANK In line with enhancements to its core systems, OK BANK
juga memprioritaskan penguatan keamanan TI pada tahun 2026 also prioritizes strengthening IT security in 2026 through
melalui penambahan berbagai security tools. Penguatan ini the addition of various security tools. This reinforcement
mencakup perlindungan terhadap serangan siber, pencegahan includes protection against cyberattacks, prevention of data
kebocoran data, dan peningkatan kemampuan deteksi serta breaches, and improved detection and response capabilities
respons terhadap ancaman keamanan. Selain itu, Bank to security threats. In addition, the Bank plans to leverage
merencanakan pemanfaatan teknologi berbasis kecerdasan artificial intelligence–based technology through the OK GPT
buatan melalui inisiatif OK GPT AI yang dikembangkan bersama AI initiative developed in collaboration with Head Office, with
Kantor Pusat dengan tujuan mendukung efisiensi operasional the objective of gradually improving operational efficiency and
dan peningkatan produktivitas kerja secara bertahap. work productivity.
Memasuki tahun 2027, fokus pengembangan TI diarahkan Entering 2027, IT development will focus on enhancing
pada peningkatan efisiensi sistem transaksi dan pengelolaan transaction system efficiency and internal management.
internal. Bank merencanakan peningkatan layanan BI-FAST The Bank plans to upgrade BI-FAST services to support bulk
untuk mendukung fitur bulk transfer secara lebih optimal transfer features more optimally and to develop an IT Asset
dan pengembangan sistem IT Asset Management guna Management system to improve integrated management and
meningkatkan pengelolaan dan pengawasan aset TI secara oversight of IT assets. During this period, OK BANK also plans
terintegrasi. Pada periode ini, OK BANK juga merencanakan to implement Data Loss Prevention (DLP) and Network Access
implementasi Data Loss Prevention (DLP) dan Network Control (NAC) as part of efforts to strengthen data security
Access Control (NAC) sebagai bagian dari penguatan and network access controls in order to support of improved
pengamanan data dan pengendalian akses jaringan IT governance.
guna mendukung tata kelola TI yang lebih baik.
Pada tahun 2028, rencana pengembangan difokuskan pada In 2028, the development plan will focus on modernizing
modernisasi sistem utama Bank melalui Upgrade Core Banking the Bank’s main systems through a Core Banking System
System dan penyesuaian sistem legacy yang terkait. Langkah upgrade and the alignment of related legacy systems.
ini ditujukan untuk meningkatkan skalabilitas, keandalan, dan This initiative is aimed at enhancing system scalability,
fleksibilitas sistem dalam mendukung pertumbuhan bisnis reliability, and flexibility to support long-term business
jangka panjang. Selain itu, OK BANK juga merencanakan growth. Furthermore, OK BANK plans to expand its payment
perluasan jaringan pembayaran dengan bergabung ke jaringan network by joining the Visa network, thereby broadening
Visa, sehingga dapat memperluas cakupan layanan transaksi transaction service coverage and strengthening the Bank’s
dan meningkatkan daya saing Bank di industri perbankan. competitiveness within the banking industry.
Secara keseluruhan, rencana pengembangan sistem TI ke Overall, the future IT system development plan reflects
depan mencerminkan komitmen OK BANK dalam membangun OK BANK’s commitment to building a modern, secure, and
ekosistem TI yang modern, aman, dan terintegrasi. Pendekatan integrated IT ecosystem. The phased and well-measured
pengembangan yang bertahap dan terukur diharapkan development approach is expected to support sustainable
dapat mendukung pertumbuhan bisnis yang berkelanjutan, business growth, improve service quality for customers,
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meningkatkan kualitas layanan kepada nasabah, serta and reinforce the Bank’s position in addressing the evolving
memperkuat posisi Bank dalam menghadapi tantangan challenges of the banking industry.
industri perbankan yang terus berkembang.
OK BANK juga telah menyusun rencana investasi pengembangan OK BANK has also prepared a plan for future IT development
TI ke depan sebagaimana diuraikan berikut: investment, as outlined below:
Rencana Waktu Anggaran Biaya
Implementasi Budget
Aplikasi/Infrastruktur Jenis
No. Planned (Rp)
Aplication/Infrastructure Type
Implementation
Timeline CAPEX OPEX
Peningkatan Layanan Perbankan Online
1. S/W Q1-Q4 2026 2.000.000.000 -
Enhancement of Online Banking Services
Pendanaan & Pinjaman Valuta Asing
dengan SWIFT Alliance
2. H/W & S/W Q4 2026 7.542.000.000 1.104.000.000
Foreign Currency Funding & Loans with
SWIFT Alliance
Peningkatan Laporan AML
3. S/W Q4 2026 300.000.000 -
Improvement of AML Reporting
Peningkatan Sistem Operasi
4. S/W Q4 2026 1.500.000.000 -
Operating System Upgrade
Sistem Pembuatan Pinjaman
(Loan Origination System/LOS) untuk
5. Non-Ritel S/W 2026-2027 3.000.000.000 -
Loan Origination System (LOS) for
Non-Retail
Alat Keamanan Tambahan
6. H/W & S/W Q3 2026 3.500.000.000
Additional Security Tools
7. OK GPT AI H/W & S/W Q4 2026 250.000.000 550.000.000
Jumlah
18.092.000.000 1.654.000.000
Total
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Analisis dan
Pembahasan
Manajemen
Management Discussion
and Analysis
Pada tahun 2025, OK Bank menjalankan berbagai strategi
usaha yang disusun dengan memperhatikan dinamika
serta tantangan ekonomi yang berkembang sepanjang
tahun. Langkah-langkah yang diambil diarahkan
untuk menjaga keselarasan antara strategi OK BANK
dan kondisi pasar, sekaligus memperkuat kesiapan
dalam mengelola berbagai risiko yang berpotensi
memengaruhi kinerja. Strategi tersebut dirancang dan
dilaksanakan secara terukur dengan penekanan pada
penguatan inovasi, peningkatan efisiensi operasional,
serta pemeliharaan ketahanan finansial, guna
mendukung stabilitas kinerja dan keberlanjutan usaha
OK BANK.
In 2025, OK Bank carried out various business strategies
that are formulated by considering the evolving
economic dynamics and challenges throughout
the year. The steps taken were aimed at maintaining
alignment between OK BANK’s strategies and market
conditions, while also strengthening readiness to
manage various risks that could potentially affect
performance. These strategies were designed and
executed in a measured manner, with an emphasis
on strengthening innovation, improving operational
efficiency, and maintaining financial resilience, in order to
support performance stability and OK BANK’s business
sustainability.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Kondisi Perekonomian Global
Global Economic Condition
Pada tahun 2025, perekonomian global masih dibayangi In 2025, the global economy was still overshadowed by
tingkat ketidakpastian yang tinggi. Eskalasi kebijakan a high degree of uncertainty. The escalation of increasingly
perdagangan yang semakin proteksionis, termasuk penerapan protectionist trade policies, including the unilateral imposition
tarif impor sepihak oleh Amerika Serikat dalam kebijakan yang of import tariffs by the United States under a policy known
dikenal sebagai “Liberation Day”, memicu gelombang tarif as “Liberation Day”, triggered a wave of retaliatory tariffs
balasan dari sejumlah negara besar, seperti Tiongkok, Kanada, from several major economies, such as China, Canada, and
dan Uni Eropa. Tarif efektif yang dikenakan terhadap Tiongkok the European Union. The effective tariff imposed on China
mencapai sekitar 54%, sementara Kanada dan Meksiko hingga reached approximately 54%, while those on Canada and Mexico
25%, serta sejumlah negara lain seperti Kamboja 49%, Vietnam were as high as 25%, and on several other countries such
46%, dan Myanmar 44%. Ketegangan tersebut memperdalam as Cambodia 49%, Vietnam 46%, and Myanmar 44%. These
fragmentasi perdagangan dan investasi global, menekan tensions deepened global trade and investment fragmentation,
kepercayaan pelaku usaha, serta meningkatkan volatilitas dampened business confidence, and heightened volatility in
pasar keuangan internasional. international financial markets.
Di tengah dinamika tersebut, prospek pertumbuhan ekonomi Amid these dynamics, the global economic growth outlook
global tetap menunjukkan ketahanan meskipun cenderung continued to demonstrate resilience, albeit at a moderate
moderat. International Monetary Fund (IMF) memproyeksikan pace, the International Monetary Fund (IMF) projected global
pertumbuhan ekonomi dunia sebesar 3,3%. Proyeksi ini growth at 3.3%. This projection reflected a balance between
mencerminkan keseimbangan antara berbagai faktor penekan various downside and upside factors. On the one hand, shifts
dan pendorong. Di satu sisi, perubahan kebijakan perdagangan in trade policy and geopolitical tensions served as headwinds
dan ketegangan geopolitik menjadi headwinds yang membatasi constraining economic expansion. Meanwhile, a surge in
ekspansi ekonomi. Di sisi lain, lonjakan investasi berbasis technology-driven investment, including Artificial Intelligence
teknologi, termasuk Kecerdasan Buatan (Artificial Intelligence/ (AI), particularly in North America and Asia, along with fiscal
AI)—khususnya di Amerika Utara dan Asia, dukungan fiskal and monetary support, relatively accommodative global
dan moneter, kondisi keuangan global yang relatif akomodatif, financial conditions, and the adaptability of the private sector,
serta kemampuan adaptasi sektor swasta menjadi tailwinds acted as tailwinds supporting growth.
yang menopang pertumbuhan.
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Tekanan inflasi global juga diperkirakan mereda secara Global inflationary pressures were also projected to ease
bertahap, menjadi 4,1% pada akhir tahun 2025. Namun, gradually, reaching 4.1% by the end of 2025. However,
proses normalisasi inflasi berlangsung tidak merata, dengan the normalization process was expected to be uneven, with
Amerika Serikat diperkirakan mengalami penurunan inflasi the United States likely to experience a more gradual decline
yang lebih gradual dibandingkan sejumlah ekonomi besar in inflation compared to several other major economies.
lainnya. Kondisi ini menempatkan bank-bank sentral pada This situation placed central banks in a more complex policy
posisi kebijakan yang lebih kompleks. Federal Reserve position. The Federal Reserve (the Fed) gradually lowered its
(The Fed) menurunkan suku bunga acuannya secara bertahap benchmark interest rate to 3.75% by the end of 2025, while
hingga mencapai 3,75% pada akhir 2025, sementara European the European Central Bank (ECB) cut its policy rate to 2.00%
Central Bank (ECB) memangkas suku bunga menjadi 2,00% in 2025. Although the overall direction of global monetary
pada tahun 2025. Meskipun arah kebijakan moneter global policy tended to be accommodative, uncertainty arising from
cenderung akomodatif, ketidakpastian akibat perang dagang the trade war and geopolitical risks prompted central banks
dan risiko geopolitik membuat bank sentral lebih berhati-hati to exercise greater caution in determining the pace of further
dalam menentukan kecepatan pelonggaran lanjutan. easing.
Dari sisi risiko, prospek ekonomi global tetap cenderung In terms of risk, the global economic outlook remained tilted
ke arah penurunan (downside risks). Revaluasi ekspektasi to the downside (downside risk). A revaluation of productivity
produktivitas dari pengembangan AI berpotensi memicu koreksi expectations stemming from AI development could trigger
tajam di pasar keuangan apabila investasi melambat secara sharp corrections in financial markets should investment slow
mendadak. Ketegangan perdagangan yang kembali memanas, abruptly. Heightened trade tensions, widening fiscal deficits
membengkaknya defisit fiskal dan utang publik global, serta and rising global public debt, as well as increasing financial
meningkatnya kerentanan pasar keuangan dapat mendorong market vulnerabilities, might drive up long-term interest
kenaikan suku bunga jangka panjang dan memperketat kondisi rates and tightened liquidity conditions. Domestic political
likuiditas. Ketidakpastian politik domestik dan konflik geopolitik uncertainty and geopolitical conflicts could also disrupt supply
juga berpotensi mengganggu rantai pasok dan stabilitas harga chains and commodity price stability. On the other hand, growth
komoditas. Di sisi lain, peluang pertumbuhan tetap terbuka opportunities remains if AI-driven technological investment
apabila investasi teknologi berbasis AI mampu meningkatkan is able to sustainably enhance productivity and if trade
produktivitas secara berkelanjutan dan jika ketegangan tensions can be alleviated through international cooperation.
perdagangan dapat diredakan melalui kerja sama internasional.
Sumber: Sources:
• World Economic Outlook Edisi Januari 2026 dari International Monetery Fund; • World Economic Outlook, January 2026 Edition, published by the International
serta Monetary Fund; and
• Laporan Perekonomian Indonesia 2025 dari Bank Indonesia. • Indonesia Economic Report 2025, published by Bank Indonesia.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Kondisi Perekonomian Nasional
National Economic Condition
Perekonomian Indonesia sepanjang tahun 2025 menunjukkan Indonesia’s economy throughout 2025 continued to
kinerja yang tetap solid dengan peningkatan moderat demonstrate solid performance, with moderate improvement
dibandingkan tahun sebelumnya. Secara tahunan, ekonomi compared to the previous year. The economy grew by 5.11%
Indonesia tumbuh sebesar 5,11%, lebih tinggi dibandingkan on annual basis, higher than the 5.03% growth recorded
pertumbuhan tahun 2024 yang sebesar 5,03%. Nilai Produk in 2024. Gross Domestic Product (GDP) at current prices
Domestik Bruto (PDB) atas dasar harga berlaku mencapai reached Rp23,821.1 trillion, with GDP per capita amounting to
Rp23.821,1 triliun, dengan PDB per kapita sebesar Rp83,75 juta Rp83.75 million or equivalent to USD5,083.4. This increase
atau setara USD5.083,4. Peningkatan tersebut mencerminkan reflects the sustained expansion of the domestic economy
kesinambungan ekspansi ekonomi domestik di tengah dinamika amid ongoing global volatility.
global yang masih bergejolak.
Dari sisi produksi, pertumbuhan terjadi pada hampir seluruh In terms of production, growth was recorded across almost
lapangan usaha, kecuali sektor Pertambangan dan Penggalian all sectors, except for Mining and Quarrying, which contracted
yang mengalami kontraksi sebesar 0,66%. Sektor dengan by 0.66%. The highest growth was recorded in Other Services
pertumbuhan tertinggi adalah Jasa Lainnya sebesar 9,93%, at 9.93%, followed by Business Services at 9.10%, and
diikuti Jasa Perusahaan sebesar 9,10%, serta Transportasi dan Transportation and Warehousing at 8.78%. Meanwhile, sectors
Pergudangan sebesar 8,78%. Sementara itu, sektor yang memiliki with dominant contributions to the GDP structure continued
kontribusi dominan terhadap struktur PDB tetap menunjukkan to post stable growth, namely Manufacturing Industry at
pertumbuhan yang stabil, yaitu Industri Pengolahan sebesar 5.30% and Wholesale and Retail Trade at 5.49%. The national
5,30% dan Perdagangan Besar dan Eceran sebesar 5,49%. economic structure remained relatively unchanged, with
Struktur ekonomi nasional relatif tidak mengalami perubahan Manufacturing Industry contributing 19.07%, Trade 13.17%,
signifikan, dengan Industri Pengolahan berkontribusi 19,07%, and Agriculture 13.10%, resulting in the 5 (five) main sectors
Perdagangan 13,17%, serta Pertanian 13,10%, sehingga 5 (lima) accounting for 63.92% of total GDP.
sektor utama menyumbang 63,92% terhadap total PDB.
Dari sisi pengeluaran, seluruh komponen utama tumbuh positif From the expenditure side, all main components recorded
sepanjang 2025. Komponen Ekspor mencatat pertumbuhan positive growth throughout 2025. Exports posted
tertinggi sebesar 7,03%, diikuti Pembentukan Modal Tetap Bruto the highest growth at 7.03%, followed by Gross Fixed Capital
(PMTB) sebesar 5,09%, serta Pengeluaran Konsumsi Rumah Formation (GFCF) at 5.09%, and Household Consumption
Tangga sebesar 4,98%. Konsumsi rumah tangga tetap menjadi Expenditure at 4.98%. Household consumption remained
penopang utama dengan kontribusi 53,88% terhadap PDB, the main driver, contributing 53.88% to GDP, while GFCF
sementara PMTB berkontribusi 28,77% dan ekspor sebesar accounted for 28.77% and exports for 22.85%. This
22,85%. Struktur tersebut menunjukkan bahwa permintaan structure indicates that domestic demand continued to
domestik masih menjadi motor utama pertumbuhan, serve as the main engine of growth, supported by relatively
dengan dukungan investasi dan ekspor yang relatif menguat stronger investment and export performance compared to
dibandingkan tahun sebelumnya. the previous year.
Stabilitas makroekonomi tetap terjaga sepanjang 2025. Macroeconomic stability was maintained throughout
Inflasi berada dalam kisaran sasaran 2,5±1%, nilai tukar 2025. Inflation remained within the target range of 2.5±1%,
Rupiah terkendali, serta sistem perbankan tetap solid dengan the Rupiah exchange rate was well managed, and the banking
permodalan yang kuat dan risiko kredit yang rendah. Untuk system stayed solid with strong capitalization and low credit
menjaga momentum pertumbuhan dan stabilitas, suku bunga risk. To preserve growth momentum and stability, the BI-Rate
kebijakan BI-Rate diturunkan hingga mencapai 4,75% pada policy rate was lowered to 4.75% in December 2025, in line with
Desember 2025, sejalan dengan bauran kebijakan moneter dan an accommodative mix of monetary and macroprudential
makroprudensial yang akomodatif. policies implemented by Bank Indonesia.
Secara keseluruhan, dibandingkan tahun 2024, perekonomian Overall, compared to 2024, Indonesia’s economy in 2025
Indonesia pada 2025 menunjukkan peningkatan pertumbuhan demonstrated measured growth improvement, with a stable
yang terukur dengan struktur ekonomi yang tetap stabil dan economic structure and well-maintained macroeconomic
fundamental makroekonomi yang terjaga. Pertumbuhan fundamentals. The slightly higher growth, supported by
yang sedikit lebih tinggi, didukung konsumsi domestik, domestic consumption, strengthening investment, and positive
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investasi yang menguat, serta ekspor yang tumbuh positif, export performance, reflects the continued expansion of
menggambarkan keberlanjutan ekspansi ekonomi nasional the national economy throughout the reporting year.
sepanjang tahun pelaporan.
Sumber: Sources:
• Laporan Perekonomian Indonesia 2025 dari Bank Indonesia; serta • Indonesia Economic Report 2025, published by Bank Indonesia; and
• Berita Resmi Statistik dari Badan Pusat Statistik. • Official Statistics Release, published by Statistics Indonesia.
Kondisi Industri Keuangan dan Perbankan Financial and Banking Industry Condition
Industri keuangan dan perbankan nasional sepanjang The national financial services and banking industry throughout
tahun 2025 menunjukkan kinerja yang tetap solid dengan 2025 continued to demonstrate solid performance, with
intermediasi yang tumbuh positif serta stabilitas sistem positive intermediation growth and maintained financial system
keuangan yang terjaga. Likuiditas perbankan berada pada level stability. Banking liquidity remained ample, as reflected in
yang longgar, tercermin dari rasio Alat Likuid terhadap Dana the Liquid Assets to Third-Party Funds (AL/DPK) ratio of
Pihak Ketiga (AL/DPK) sebesar 28,57% dan Loan-to-Deposit 28.57% and a Loan-to-Deposit Ratio (LDR) of 85.35% as of
Ratio (LDR) sebesar 85,35% per Desember 2025. Kondisi December 2025. These conditions indicate sufficient liquidity
tersebut menunjukkan ruang likuiditas yang memadai untuk buffers to support credit expansion to the real sector.
mendukung ekspansi pembiayaan ke sektor riil.
Penyaluran kredit perbankan pada 2025 tumbuh sebesar Bank lending in 2025 grew by 9.63%, increasing compared to
9,63%, meningkat dibandingkan dinamika awal tahun seiring the earlier part of the year in line with monetary policy easing
pelonggaran kebijakan moneter dan ekspansi likuiditas. and liquidity expansion. By type of use, the highest growth was
Berdasarkan jenis penggunaan, pertumbuhan tertinggi terjadi recorded in investment loans, which increased significantly
pada kredit investasi yang meningkat signifikan sebesar 21,06%, by 21.06%, reflecting stronger investment activity. Meanwhile,
mencerminkan penguatan aktivitas investasi. Sementara working capital loans and consumer loans grew by 4.52% and
itu, kredit modal kerja dan kredit konsumsi masing-masing 6.58%, respectively. In terms of segments, corporate lending
tumbuh 4,52% dan 6,58%. Dari sisi segmen, kredit korporasi expanded strongly by 18.33%, while MSME lending experienced
tumbuh kuat sebesar 18,33%, sedangkan kredit UMKM a slight contraction of 0.30%. These developments indicate that
mengalami kontraksi tipis sebesar 0,30%. Perkembangan credit expansion in 2025 was primarily driven by the corporate
tersebut menunjukkan bahwa ekspansi kredit pada 2025 lebih sector and investment financing.
ditopang oleh sektor korporasi dan pembiayaan investasi.
Dari sisi pendanaan, Dana Pihak Ketiga (DPK) tumbuh sebesar In terms of funding, Third-Party Funds (DPK) grew by
13,83% pada Desember 2025. Pertumbuhan DPK yang relatif 13.83% in December 2025. This relatively strong DPK growth
tinggi tersebut memperkuat basis likuiditas industri perbankan strengthened the banking industry’s liquidity base and
dan mendukung kapasitas pembiayaan yang memadai. Sejalan supported adequate financing capacity. In line with this,
dengan itu, pertumbuhan uang beredar dalam arti luas (M2) the growth of currency in circulation (M2) increased from 5.46%
meningkat dari 5,46% pada Januari 2025 menjadi 8,3% pada in January 2025 to 8.3% in November 2025, reflecting more
November 2025, mencerminkan kondisi likuiditas perekonomian expansionary liquidity conditions in the economy compared to
yang lebih ekspansif dibandingkan awal tahun. Kualitas the beginning of the year. Asset quality also remained sound,
kredit juga tetap terjaga pada level yang sehat, di mana rasio with the banking sector’s Non-Performing Loan (NPL) ratio
Non-Performing Loan (NPL) perbankan pada November 2025 recorded at 2.21% (gross) and 0.86% (net) as of November
tercatat sebesar 2,21% (bruto) dan 0,86% (neto). Risiko kredit juga 2025. Credit risk was further reflected in the Loan at Risk (LAR)
tercermin dari Loan at Risk (LAR) yang terus menurun. Dari sisi ratio, which continued to decline. In terms of capitalizations,
permodalan, hasil stress test menunjukkan ketahanan perbankan stress test results indicated strong banking resilience, with
yang kuat dengan rasio Capital Adequacy Ratio (CAR) industri the industry’s Capital Adequacy Ratio (CAR) remaining above
tetap berada di atas 25% pada berbagai skenario. Profitabilitas 25% under various scenarios. Sustained banking profitability
perbankan yang terjaga turut menopang penguatan permodalan. also supported further capital strengthening.
Sumber: Laporan Perekonomian Indonesia 2025 dari Bank Indonesia. Source: Indonesia Economic Report 2025, published by Bank Indonesia.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Perkembangan Ekonomi dan Perbankan Development of Digital Economy and
Digital Banking
Perkembangan ekonomi pada tahun 2025 semakin ditandai Economic developments in 2025 were increasingly marked
oleh menguatnya peran teknologi digital sebagai pendorong by the strengthening role of digital technology as a main driver
utama aktivitas bisnis dan konsumsi masyarakat. Digitalisasi of business activities and public consumption. Digitalization
berkontribusi signifikan dalam meningkatkan efisiensi made a significant contribution to improving business
proses usaha, memperluas akses pasar, serta mempercepat process efficiency, expanding market access, and accelerating
arus transaksi lintas sektor. Pelaku usaha, baik skala besar transaction flows across sectors. Business players, including
maupun Usaha Mikro, Kecil, dan Menengah (UMKM), semakin large corporations and Micro, Small, and Medium Enterprises
mengandalkan platform digital dalam kegiatan pemasaran, (MSMEs), increasingly relied on digital platforms for marketing,
distribusi, serta pengelolaan keuangan, sehingga struktur distribution, and financial management activities, thereby
perekonomian menjadi lebih inklusif, adaptif, dan responsif making the economic structure more inclusive, adaptive, and
terhadap perubahan global. responsive to global changes.
Sejalan dengan perkembangan tersebut, industri perbankan In line with these developments, the digital banking industry
digital terus menunjukkan pertumbuhan seiring meningkatnya continued to demonstrate growth as public demand for fast,
kebutuhan masyarakat terhadap layanan keuangan yang convenient, and secure financial services increased. Players
cepat, mudah, dan aman. Pelaku usaha di industri perbankan in the banking industry actively developed digital-based
secara aktif mengembangkan layanan berbasis digital untuk services to facilitate transactions without dependence on
memberikan kemudahan bertransaksi tanpa ketergantungan physical branches. Various services, such as online account
pada kantor fisik. Berbagai layanan, seperti pembukaan rekening opening, digital payments, technology-based financing
secara daring, pembayaran digital, penyaluran pembiayaan disbursement, and digital investment services, became
berbasis teknologi, hingga layanan investasi digital semakin increasingly integrated into the financial activities of the public
terintegrasi dalam aktivitas keuangan masyarakat sepanjang throughout 2025.
tahun 2025.
Integrasi antara ekonomi digital dan perbankan digital juga Digital economy and digital banking integration continued
semakin kuat melalui pengembangan sistem pembayaran to strengthen through the development of cashless payment
non-tunai, penggunaan uang elektronik, pemanfaatan QR Code system, the use of electronic money, and the utilization of
Indonesian Standard (QRIS). Ekosistem keuangan digital yang QR Code Indonesian Standard (QRIS). This interconnected
saling terhubung ini tidak hanya meningkatkan kenyamanan digital financial ecosystem not only enhances convenience
dan kecepatan layanan bagi nasabah, tetapi juga mendukung and service speed for customers, but also supports greater
peningkatan transparansi, efisiensi, dan akuntabilitas dalam transparency, efficiency, and accountability within the national
sistem keuangan nasional. Di sisi lain, peran pemerintah financial system. On the other hand, the role of the government
dan otoritas terkait tetap krusial dalam memastikan bahwa and relevant authorities remains crucial in ensuring that digital
inovasi digital berjalan seiring dengan penerapan tata kelola innovation progresses in line with the implementation of good
perusahaan yang baik, perlindungan data, dan penguatan corporate governance, data protection, and strengthened
keamanan sistem. system security.
Aktivitas transaksi perbankan dan sistem pembayaran digital Banking transaction activities and digital payment systems
sepanjang tahun 2025 menunjukkan kinerja yang sangat kuat throughout 2025 recorded very strong and continuously
dan terus meningkat. Kinerja transaksi ekonomi dan keuangan improving performance. Digital economic and financial
digital tetap terjaga solid, didukung oleh sistem pembayaran transactions remained solid, supported by payment systems
yang aman, lancar, dan andal serta infrastruktur yang semakin that are secure, efficient, and reliable, as well as increasingly
berdaya tahan. Dari sisi nilai besar (high value payment), resilient infrastructure. In terms of high-value payments,
transaksi melalui BI-RTGS pada triwulan IV 2025 meningkat transactions processed through BI-RTGS in the fourth quarter
31,04% sehingga mencapai Rp65.069,78 triliun. Pada of 2025 increased by 31.04%, reaching Rp65,069.78 trillion. In
segmen ritel, volume transaksi BI-FAST tumbuh 30,44% dan the retail segment, BI-FAST transaction volume grew by 30.44%
mencapai 1.358,65 juta transaksi. Secara agregat, transaksi to 1,358.65 million transactions. In aggregate, digital payment
digital payment tercatat sebesar 14,26 miliar transaksi atau transactions reached 14.26 billion transactions, representing
tumbuh 39,21%, mencerminkan akselerasi digitalisasi layanan growth of 39.21%, reflecting the acceleration of digitalization in
perbankan dan pembayaran nasional. national banking and payment services.
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Transaksi QRIS mencatat pertumbuhan yang sangat tinggi QRIS transactions recorded exceptionally high growth of
sebesar 139,99%, dengan jumlah pengguna mencapai 139.99%, with the number of users reaching 59.53 million and
59,53 juta dan jumlah merchant sebanyak 42,75 juta. Peningkatan merchants totaling 42.75 million. This increase demonstrates
tersebut menunjukkan perluasan ekosistem pembayaran the expansion of a more inclusive digital payment ecosystem,
digital yang semakin inklusif, termasuk penetrasi yang kuat including strong penetration in the MSME and micro-enterprise
pada segmen UMKM dan usaha mikro. Perkembangan ini juga segments. This development has also been supported
didukung oleh peningkatan interkoneksi sistem pembayaran by enhanced payment system interconnectivity and
serta perluasan implementasi Standar Nasional Open API the broader implementation of the National Open API
Pembayaran (SNAP). Sementara itu, transaksi pembayaran Payment Standard (SNAP). Meanwhile, card-based payment
menggunakan instrumen kartu, baik kartu ATM/debit maupun instruments, including ATM/debit cards and credit cards,
kartu kredit, masih menjadi bagian penting dalam sistem continued to play an important role in the national payment
pembayaran nasional. Namun, secara bertahap terjadi system. However, there has been a gradual shift in public
pergeseran preferensi masyarakat ke instrumen pembayaran preference towards QRIS-based digital payments and
digital berbasis QRIS dan transfer instan, seiring kemudahan, instant transfers, driven by convenience, efficiency, and
efisiensi, dan perluasan ekosistem digital. the expanding digital ecosystem.
Secara keseluruhan, perkembangan ekonomi dan perbankan Overall, the development of digital economy and digital banking
digital sepanjang tahun 2025 mencerminkan proses throughout 2025 reflected a transformation process toward
transformasi menuju sistem ekonomi yang semakin modern an increasingly modern and sustainable economic system.
dan berkelanjutan. Meskipun tantangan, seperti risiko Although challenges, such as cybersecurity risks, the need
keamanan siber, peningkatan literasi digital, serta kesenjangan to enhance digital literacy, and gaps in access to technology
akses teknologi masih menjadi perhatian, upaya kolaboratif remained areas of concern, collaborative efforts among
antara pemerintah, industri jasa keuangan, dan masyarakat the government, the financial services industry, and the public
terus dilakukan untuk memperkuat fondasi ekonomi digital continued to be undertaken to strengthen the foundation of
nasional. Transformasi ini menjadi bagian penting dalam national digital economy. This transformation plays an important
mendukung stabilitas sistem keuangan serta memperluas role in supporting financial system stability and expanding
akses layanan keuangan bagi seluruh lapisan masyarakat. access to financial services for all segments of society.
Tinjauan Operasional
Operational Review
Arah Kebijakan OK BANK OK BANK Policy Direction
Arah kebijakan OK BANK pada periode pelaporan difokuskan OK BANK's policy direction during the reporting period was
pada penguatan kinerja secara berkelanjutan dengan tetap focused on strengthening sustainable performance while
menjaga prinsip kehati-hatian. OK BANK terus berupaya continuing to uphold the principle of prudence. OK BANK
memastikan seluruh kegiatan usaha berjalan selaras dengan consistently strives to ensure that all business activities are
visi dan misi, serta mampu merespons dinamika ekonomi carried out in line with its vision and mission, and are able to
dan industri perbankan. Kebijakan yang diterapkan diarahkan respond to developments in the economic environment and
untuk menjaga stabilitas operasional dan meningkatkan nilai the banking industry. The policies implemented are directed
tambah bagi para pemangku kepentingan. toward maintaining operational stability and enhancing value
creation for stakeholders.
Dalam mendukung pertumbuhan bisnis, OK BANK menetapkan In supporting business growth, OK BANK has established
kebijakan yang menitikberatkan pada optimalisasi portofolio policies that emphasize portfolio optimization and
usaha dan peningkatan kualitas aset. Pengelolaan risiko improvements in asset quality. Risk management is carried out
dilakukan secara konsisten melalui penerapan tata kelola consistently through the implementation of good corporate
perusahaan yang baik dan pengawasan internal yang memadai. governance and adequate internal control. These measures are
Langkah ini bertujuan untuk menjaga kesehatan OK BANK dan intended to safeguard OK BANK's soundness and strengthen
memperkuat fondasi keuangan dalam jangka panjang. its long-term financial foundation.
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Management discussion and analysis
OK BANK memiliki strategi yang ditempuh untuk mencapai OK BANK has formulated strategies to achieve its established
tujuan yang telah diterapkan, meliputi: objectives, which include:
1. Meningkatkan Daya Saing dan Mengembangkan 1. Enhancing Competitiveness and Developing Sales
Infrastruktur Penjualan Infrastructure
a. Meningkatkan efisiensi alur kredit dengan a. Improving credit flow efficiency by developing
mengembangkan CREPASS, yaitu sistem kredit scoring CREPASS, an online credit scoring system, integrating
online, melekatkan kebutuhan nasabah dalam proses customer needs into a simple and fast loan
penyaluran kredit yang sederhana dan cepat dan disbursement process, and advancing the collection
mengembangkan collection system. system.
b. Tetap menggunakan Midtrans untuk penyaluran retail b. Using Midtrans for retail loan disbursement to
loan ke nasabah dan sebagai salah satu channel untuk customers and as one of the channels for loan
pembayaran cicilan kredit melalui minimarket (seperti installment payments through minimarkets (such
Indomaret & Alfamart). as Indomaret & Alfamart).
c. Meningkatkan proses seleksi untuk memperoleh c. Enhancing the selection process to recruit highly
Relationship Manager (RM) yang mumpuni. competent Relationship Managers (RM).
d. Melakukan relokasi cabang ke tempat yang memiliki d. Relocating branches to areas with higher business
potensi bisnis yang lebih tinggi. potential.
2. Mengembangkan Pembiayaan Ritel Konsumen dengan 2. Developing Consumer Retail Financing with Strong Stability
Stabilitas yang Kuat
a. Meningkatkan penjualan berbasis kemitraan bekerja a. Expanding partnership-based sales by collaborating
sama dengan loan agency, payroll loan & loan aggregator with loan agencies, payroll loan providers & loan
(seperti Ayo Kenalin, dan lain-lain). Mengekspansi aggregators (such as Ayo Kenalin, etc.). Expanding loan
penyaluran kredit melalui P2P Channeling dan bermitra disbursement through P2P Channeling and partnering
dengan perusahaan Fintech (sepeti Asetku, Shopee, dan with Fintech companies (such as Asetku, Shopee, etc.)
lain-lain) dalam upaya percepatan inklusi keuangan. to accelerate financial inclusion.
b. Mengelola dan menambah tenaga call center, organisasi b. Managing and increasing the number of call center staff,
penagihan, KYC Agen Internal berbasis outsource collection organizations, and outsourced Internal KYC
(PT Cahaya Research Indonesia, dan lain-lain). Agents (such as PT Cahaya Research Indonesia, etc.).
c. Menambah kerja sama dengan perusahaan-perusahaan c. Expanding collaborations with companies for payroll
dalam kredit payroll loan karyawan serta meningkatkan loan financing for employees and increasing payroll
penjualan payroll loan melalui cross-selling. loan sales through cross-selling.
3. Meningkatkan Kapasitas Sistem dan Layanan 3. Enhancing System Capacity and Services
a. Menggunakan teknologi untuk menambah aplikasi a. Using technology to develop additional applications,
(app), yaitu loan aplikasi berbasis mobile, mobile web including a mobile-based loan application which
page, dan meningkatkan kepuasan nasabah dengan is a mobile web page, and enhancing customer
menambahkan fungsi aplikasi kredit agar dapat satisfaction by adding credit application functions
melakukan self-assessment. Mengembangkan web that allow for self-assessment. Developing a separate
page terpisah yang akan digunakan untuk mendukung web page to support the Sales Referral Program and
Sales Referral Program dan memberikan layanan yang provide services that enhance customer convenience.
membuat kenyamanan nasabah.
b. Menambah fitur-fitur di internet banking dan mobile b. Adding new features to internet banking and mobile
banking, antara lain penambahan layanan pembayaran banking, including bill payment services, e-wallet
tagihan, transfer e-wallet, pembukaan rekening, dan transfers, account opening, and the development of
pengembangan BI-Fast tahap II. BI-Fast phase II.
OK BANK juga mengarahkan kebijakannya pada penguatan OK BANK also directs its policies toward strengthening
layanan kepada nasabah melalui peningkatan kualitas customer services through improvements in product quality
produk dan proses operasional. Pemanfaatan teknologi dan and operational process. The utilization of technology and
pengembangan sistem dilakukan untuk mendukung efisiensi development of system are undertaken to support efficiency
serta kenyamanan nasabah dalam bertransaksi. Dengan and enhance customer convenience in conducting transactions.
pendekatan ini, OK BANK berupaya membangun hubungan yang Through this approach, OK BANK seeks to build sustainable and
berkelanjutan dan saling menguntungkan dengan nasabah. mutually beneficial relationships with its customers.
Secara keseluruhan, arah kebijakan OK BANK disusun untuk Overall, OK BANK's policy direction is formulated to ensure
memastikan kesiapan dalam menghadapi tantangan industri readiness in addressing the continuously evolving challenges
perbankan yang terus berkembang. OK BANK berkomitmen untuk of the banking industry. OK BANK is committed to implementing
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menjalankan kebijakan secara konsisten dan bertanggung jawab, its policies consistently and responsibly, while continuing to
dengan tetap memerhatikan aspek kepatuhan terhadap peraturan pay due attention to compliance with applicable regulations.
yang berlaku. Melalui arah kebijakan tersebut, OK BANK diharapkan Through this policy direction, OK BANK is expected to maintain
mampu menjaga kinerja yang stabil dan berkontribusi positif stable performance and contribute positively to business
terhadap pertumbuhan usaha di masa mendatang. growth in the future.
Langkah-Langkah Strategis OK BANK OK BANK's Strategic Steps
Keberhasilan OK BANK dalam menjaga kinerja dan keberlanjutan OK BANK's success in maintaining performance and business
usaha sangat ditentukan oleh ketepatan langkah strategis sustainability is largely determined by the accuracy of the strategic
yang dijalankan. Di tengah dinamika industri perbankan dan measures implemented. Amid the dynamics of the banking
perubahan kondisi ekonomi, diperlukan arah kebijakan yang industry and changing economic conditions, a measured and
terukur dan adaptif. Oleh karena itu, OK BANK merumuskan adaptive policy direction is required. Therefore, OK BANK has
berbagai langkah strategis sebagai dasar dalam menghadapi formulated various strategic initiatives as a foundation for
tantangan sekaligus memanfaatkan peluang pertumbuhan addressing challenges while simultaneously capitalizing on
secara berkelanjutan sebagaimana diuraikan berikut: sustainable growth opportunities, as outlined below:
1. Strategi OK BANK berdasarkan Jangka Waktu 1. OK BANK Strategy based on Timeframe
a. Jangka Pendek a. Short-Term
Dalam menghadapi tantangan pasar yang dinamis, In response to the challenges of a dynamic market,
OK BANK menerapkan serangkaian langkah strategis OK BANK implements a series of strategic measures
yang dirancang untuk meningkatkan daya saing dan designed to enhance competitiveness and short-term
kinerja jangka pendek. Fokus utama dari strategi ini performance. The primary focus of this strategy is to
untuk memastikan pertumbuhan yang berkelanjutan ensure sustainable growth and achieve operational
dan pencapaian target operasional melalui pemanfaatan targets by utilizing existing resources more efficiently.
sumber daya yang ada secara lebih efisien.
Inovasi pada layanan Retail Loan ditunjukkan OK BANK melalui peluncuran aplikasi berbasis
mobile yang dilengkapi fitur E-KYC. Kehadiran aplikasi ini memungkinkan nasabah mengajukan
pinjaman secara praktis langsung melalui perangkat seluler, dengan proses verifikasi yang
aman dan efisien. Melalui solusi digital tersebut, kebutuhan pembiayaan dapat dipenuhi tanpa
keharusan datang ke kantor cabang, sehingga memberikan pengalaman layanan yang lebih
cepat, mudah, dan sesuai dengan gaya hidup modern.
OK BANK demonstrated innovation in its Retail Loan services through the launch of
a mobile-based application equipped with E-KYC features. This application enables customers
to apply for loans conveniently directly via their mobile devices, with a secure and efficient
verification process. Through this digital solution, financing needs can be fulfilled without
the need to visit a branch office, thereby providing a service experience that is faster,
more convenient, and aligned with a modern lifestyle.
• Sektor Ritel • Retail Sector
a) Tetap melakukan ekspansi bisnis yang disertai a) Conducting business expansion while adhering
dengan prinsip kehati-hatian untuk portofolio to prudent principles to ensure a higher-quality
yang lebih berkualitas; portfolio;
b) Menambah partner kerja sama dengan perusahaan b) Increasing partnerships with Fintech companies,
Fintech, termasuk kredit channeling bekerja sama including credit channeling in collaboration with
dengan P2P lending dan Multifinance; P2P lending and Multifinance institutions;
c) Meningkatkan pelayanan call center c) Enhancing call center services (telemarketing,
(telemarketing, call center, management); call center, management);
d) Penerapan CREPASS atau kredit scoring online d) Implementing CREPASS or online credit scoring,
sehingga calon nasabah bisa melakukan self- allowing prospective customers to conduct
assessment terhadap aplikasi kreditnya; self-assessment of their loan applications;
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e) Mengembangkan dan menjalankan Retail e) Developing and implementing a Retail Loan
Loan Application berbasis mobile application Application based on a mobile application by
dengan menambahkan fitur E-KYC. Dengan adding an E-KYC feature. With E-KYC, OK BANK
adanya fitur E-KYC, nasabah dan calon customers and prospective customers can
nasabah OK BANK dapat mengajukan fasilitas apply for credit facilities through a fast and
kredit dengan proses yang singkat dan mudah; easy process;
f) Meningkatkan kehati-hatian terkait keabsahan f) Enhancing prudence in verifying debtor
dokumen debitur termasuk pengecekan kartu document authenticity, including online
identitas secara online melalui Dukcapil; identity card checks through Dukcapil;
g) Meningkatkan OK! Brand Awareness melalui g) Increasing OK! Brand Awareness through
iklan/advertisement di berbagai media advertisements in various media, including
termasuk online media; online platforms;
h) Mengembangkan Aplikasi sistem BI-FAST h) Developing BI-FAST system application for
untuk transaksi online nasabah 24 (dua puluh continuous online customer transactions,
empat) jam dan 7 (tujuh) hari dalam seminggu available 24 (twenty-four) hours a day,
terus menerus; 7 (seven) days a week;
i) Mengembangkan QRIS, password sidik jari dan i) Expanding QRIS, fingerprint password
layanan IB/MB lainnya untuk mempermudah authentication, and other IB/MB services to
nasabah melakukan transaksi sehari-hari; serta facilitate customers’ daily transactions; and
j) Memanfaatkan sistem data Dukcapil untuk j) Utilizing Dukcapil’s data system to obtain more
mendapatkan informasi data nasabah accurate customer information, incorporating
yang lebih akurat dengan pengembangan biometric facial analysis for prospective
menggunakan foto biometric analisa wajah customers.
calon nasabah.
• Sektor SME (UMKM), Korporasi, dan Komersial • SME (MSMEs), Corporate, and Commercial Sectors
a) Tetap melakukan ekspansi bisnis yang disertai a) Continuing business expansion while adhering
dengan prinsip kehati-hatian; to prudent principles;
b) Melakukan cross-selling melalui inovasi produk b) Conducting cross-selling through product
yang sesuai dengan kebutuhan debitur; innovations tailored to debtor needs;
c) Meningkatkan proses monitoring dan c) Enhancing monitoring processes and
mempercepat proses normalisasi debitur-debitur accelerating the normalization of restructured
restruktur; debtors;
d) Mempercepat proses penyelesaian kredit d) Speeding up the resolution of non-performing
kredit bermasalah melalui penjualan jaminan loans through collateral sales or cessie
maupun cessie; transactions;
e) Pembentukan CKPN yang memadai terutama e) Establishing adequate CKPN, especially for
untuk debitur-debitur dengan risiko tinggi; high-risk debtors;
f) Memperluas pangsa pasar dengan merekrut f) Expanding market share by recruiting
RM dan Kepala Cabang dengan talenta terbaik; top-talented RMs and Branch Heads;
g) Fokus pada kegiatan marketing dan branding; g) Focusing on marketing and branding activities;
h) Menyiapkan sistem scoring dan memperkuat h) Developing a scoring system and strengthening
sistem kontrol internal; internal control systems;
i) Melakukan update pedoman kredit berdasarkan i) Updating credit guidelines based on industry
sektor industri dan juga skala bisnis; sectors and business scales;
j) Melakukan kerja sama dengan perusahaan j) Collaborating with insurance companies for
asuransi dalam bentuk penjaminan asuransi credit guarantee schemes; and
kredit; serta
k) Menambah rekanan asuransi dalam produk k) Adding insurance partners for reference
referensi terkait produk OK BANK (general, life, products related to the OK BANK's products
earthquake). (general, life, earthquake).
• Sektor Lainnya (Financial Institution (BPR, MFC), • Other Sectors (Financial Institutions (BPR, MFC)
dan Multiguna (KMG)) and Multipurpose (KMG))
a) Meningkatkan kapasitas operasional di bidang a) Enhancing operational capacity in
pemasaran; the marketing sector;
b) Memonitor kondisi kredit restruktur secara b) Monitoring restructured credit conditions
berkala; regularly;
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c) Biaya CKPN dijaga sesuai dengan ketentuan c) Maintaining CKPN costs in accordance with
POJK 48, PSAK 71 & 68 yang berlaku; applicable POJK 48, PSAK 71 & 68 regulations;
d) Melakukan update atas rating perusahaan d) Updating the rating of Multifinance
Multifinance dalam otomatisasi sistem companies in the automated CKPN formation
perhitungan pembentukan CKPN; calculation system;
e) Memperbaharui kebijakan & prosedur untuk e) Updating policies & procedures for
segmen Financial Institutions dan KMG sesuai the Financial Institutions and KMG segments
dengan kondisi pasar; serta based on market conditions; and
f) Fokus pada target market BPR dan Multifinance f) Focusing on large-scale BPR and Multifinance
berskala besar dengan background Pemegang target markets with strong Shareholder/group
Saham/afiliasi grup yang kuat. affiliation backgrounds.
b Jangka Menengah b. Medium-Term
• Sektor Ritel • Retail Sector
a) Menambah jumlah kantor cabang; a) Increasing the total branch offices;
b) Melakukan optimalisasi dan alokasi sumber b) Optimizing and allocating branch resources;
daya cabang;
c) Melakukan cross-selling; c) Conducting cross-selling;
d) Menambah layanan private banking (priority d) Expanding private banking services (priority
service) kepada klien; service) for clients;
e) Menyelenggarakan produk bancassurance e) Providing bancassurance products through
dengan skema referensi dan/atau integrasi; referral and/or integration schemes; and
serta
f) Bekerja sama dengan merchant dan e-commerce f) Collaborating with merchants and e-commerce
dalam layanan pembayaran referral pembiayaan. platforms for financing referral payment services.
• Sektor SME - Usaha Kecil Menengah (UKM), • SME sector - Small and Medium Enterprises (SME),
Korporasi, dan Komersial Corporate, and Commercial
a) Melakukan ekspansi bisnis dan memperluas a) Expanding business and extending networks
jaringan ke wilayah berkembang; to developing regions;
b) Menjajaki untuk berpartisipasi dalam kredit b) Exploring participation in syndicated loans;
sindikasi;
c) Melakukan proses pengajuan perizinan c) Processing licensing applications to become
sebagai Bank Devisa; serta a Foreign Exchange Bank; and
d) Menjajaki kredit valuta asing guna melengkapi d) Exploring foreign exchange loans to meet
kebutuhan nasabah lending. customers’ lending needs.
• Sektor Lainnya • Other Sectors
a) Melakukan penambahan fitur-fitur e-Channels a) Adding new features to e-Channels, including
yang meliputi Internet Banking, Mobile Banking, Internet Banking, Mobile Banking, and ATMs,
dan ATM, seperti: QRIS, akses Mobile Banking such as QRIS, Mobile Banking access using
menggunakan Biometric, dan pembukaan Biometrics, and account opening via Mobile
rekening tanpa datang ke cabang melalui Banking without visiting a branch;
Mobile Banking;
b) Membuka produk simpanan (tabungan, giro, b) Introducing savings products (savings
dan deposito) dalam bentuk valas; serta accounts, current accounts, and deposits)
in foreign currencies; and
c) Meningkatkan keamanan siber terhadap c) Enhancing cybersecurity measures to protect
jaringan OK BANK untuk melindungi data customer data and maintain customer trust in
nasabah dan menjaga tingkat kepercayaan using internet banking and mobile banking.
nasabah dalam penggunaan internet banking
dan mobile banking.
2. Strategi OK BANK berdasarkan Segmen Produk 2. OK BANK Strategy based on Product Segments
Pada saat ini, OK BANK akan mempertahankan segmen Currently, the OK BANK is maintaining 6 (six) credit
kredit menjadi 6 (enam), yaitu Retail, Multiguna (KMG), SME segments Retail, Multipurpose (KMG), SME (MSMEs),
(UMKM), Korporasi, Komersial, serta Financial Institution. Corporate, Commercial, and Financial Institution.
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Pengembangan segmen pasar korporasi menjadi salah satu fokus OK BANK dengan
menitikberatkan pada penguatan layanan transactional banking. Melalui pemanfaatan
Internet Banking Corporate dan fasilitas Virtual Account, OK BANK menghadirkan solusi
transaksi yang lebih terintegrasi dan efisien bagi nasabah korporasi. Langkah ini mendukung
pengelolaan arus kas yang lebih optimal dan memperkuat peran OK BANK sebagai mitra
perbankan yang andal dalam mendukung aktivitas bisnis perusahaan.
The corporate market segment development has become one of OK BANK's focuses,
with an emphasis on strengthening transactional banking services. Through the utilization of
Internet Banking Corporate and Virtual Account facilities, OK BANK provides more integrated
and efficient transaction solutions for corporate customers. This initiative supports more
optimal cash flow management and reinforces OK BANK's role as a reliable banking partner
in supporting corporate business activities.
• Pendanaan • Funding
Target: Meningkatkan portofolio dana pihak ketiga Target: Increasing the third-party fund portfolio by
dengan target nasabah individual dengan segmen targeting individual affluent customers, corporate,
nasabah affluent, korporasi, dan institusi finansial and financial institutions with a competitive and
dengan biaya cost of fund yang kompetitif dan measurable cost of funds.
terukur.
a) Melakukan peningkatan pada fitur produk a) Enhancing features of existing products for
existing untuk segmen produk CASA; the CASA product segment;
b) Membuat program pendanaan jangka b) Developing medium-term funding program
menengah dengan berbagai benefit yang by offering various attractive benefits to
menarik bagi nasabah; customers;
c) Mengembangkan target segmen institusi c) Developing the target segment of financial
finansial berbekal hasil rating dari perusahaan institutions based on ratings from independent
penilai rating independen; rating agencies;
d) Mengembangkan segmen nasabah individual d) Expanding the individual and corporate
dan korporasi dengan melakukan rekrutmen customer segments by recruiting marketing
pada tenaga pemasar yang sudah memiliki personnel with extensive customer networks;
jaringan nasabah yang luas;
e) Melakukan peningkatan motivasi dengan e) Improving motivation through coaching and
program coaching maupun training untuk training programs to maintain the productivity
menjaga produktivitas tenaga pemasar OK BANK; of the OK BANK's marketing team;
f) Mengembangkan segmen pasar korporasi f) Developing the corporate market segment
untuk peningkatan pada aktivitas transactional to enhance transactional banking activities
banking dengan kemudahan layanan Internet by providing convenient Internet Banking
Banking Corporate dan juga Virtual Account; Corporate and Virtual Account services;
g) Berpartisipasi dalam memasarkan produk Surat g) Participating in marketing retail Government
Berharga Negara ritel yang diterbitkan oleh Securities issued by the government
pemerintah sebagai sub mitra distribusi; serta as a sub-distribution partner; and
h) Pengembangan EDC Merchant & QR. h) Development of EDC Merchant & QR.
• Kredit kepada Financial Institution (BPR dan • Credit to Financial Institutions (BPR and Financing
Perusahaan Pembiayaan) Companies)
Target: Mempertahankan rasio pemberian kredit Target: Maintaining the credit disbursement ratio
untuk segmen BPR dan Perusahaan Pembiayaan for BPR and Financing Company segments while
dengan tetap mengkaji risiko sektor tersebut. continuously assessing the risks in these sectors.
a) Fokus hanya pada penyaluran kredit skala a) Focusing solely on large-scale credit
besar; disbursement;
b) Menyasar perusahaan Multifinance dengan b) Targeting Multifinance companies with
background Pemegang Saham/afiliasi dari Shareholders/affiliates from major conglomerate
konglomerasi grup besar, Bank BUMN/KBMI 4, groups, State-Owned Banks (BUMN)/KBMI 4,
dan perusahaan finansial Korea; and Korean financial companies;
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c) Menyasar BPR besar dan BPR milik pemerintah c) Targeting large BPRs and regionally owned
daerah; serta BPRs; and
d) Membuat acara-acara untuk memelihara dan d) Organizing events to maintain relationships
memberikan layanan pendukung bagi nasabah. and provide additional services for customers.
• Kredit SME/UKM • SME Loans
Target: Kolateral yang aman. Target: Secure collateral.
a) Mewajibkan adanya kolateral berupa properti a) Requiring collateral in the form of property with
yang dipasang hak tanggungan; a registered mortgage;
b) Fokus pada nilai dari kolateral; b) Focusing on the value of the collateral;
c) Memonitor pendapatan bisnis dari debitur; c) Monitoring the debtors’ business income;
d) Menambah jumlah RM termasuk rotasi d) Increasing the Total RMs, including rotating
RM dari kantor pusat ke cabang; RMs from the head office to branches;
e) Memasarkan kredit untuk UKM melalui e) Promoting SME loans through flyers,
selebaran, brosur, dan beberapa media sosial brochures, and various social media
lainnya; serta platforms; and
f) Menjadikan penyaluran kredit untuk UKM f) Positioning SME loan disbursement as part of
sebagai bagian dari image OK BANK. the OK BANK's image.
• Kredit Komersial & Korporasi • Commercial & Corporate Loans
Target: Fokus terhadap kelompok debitur Target: Focusing on potential conglomerate debtor
konglomerasi yang berpotensi dan memiliki groups with a good reputation.
reputasi baik.
a) OK BANK memilah segmen kredit komersial & a) The OK BANK categorizes commercial & corporate
korporasi untuk debitur-debitur dengan plafon loan segments for debtors with a ceiling above
di atas Rp20 miliar dan di atas Rp150 miliar; Rp20 billion and above Rp150 billion;
b) OK BANK melakukan update pada kebijakan b) The OK BANK updates credit policies and
dan prosedur perkreditan terkait pembagian procedures related to loan segmentation;
segmen kredit;
c) Melakukan kerja sama kredit sindikasi dengan c) Collaborating on syndicated loans with other
bank-bank lain; serta banks; and
d) Mengembangkan produk dan skema kredit d) Developing loan products and schemes
sesuai bisnis/proyek yang dibiayai (project tailored to the financed business/project
financing, supplier financing, distributor (project financing, supplier financing,
financing, dan lain-lain). distributor financing, etc.).
• Kredit Ritel dan KMG (Multiguna) • Retail and KMG (Multipurpose) Loans
Target: Pengembangan untuk bisnis di masa depan. Target: Development for future business.
a) Melakukan perluasan wilayah pemasaran a) Expanding the marketing coverage for general
produk kredit KTA umum; unsecured loan (KTA) products;
b) Fokus pada kredit karyawan di kota-kota besar; b) Focusing on employee loans in major cities;
c) Kerja sama kredit dengan pihak-pihak lain c) Collaborating on loans with third parties,
termasuk fintech melalui channeling; including fintech, through channeling;
d) Menambah jumlah RM termasuk rotasi d) Increasing the Total RMs, including rotating
RM dari kantor pusat ke cabang; RMs from the head office to branches;
e) Implementasi registrasi secara online; e) Adopting online registration;
f) Memasarkan kredit melalui iklan di Facebook, f) Marketing loans through advertisements on
Instagram, website, dan Youtube; serta Facebook, Instagram, websites, and YouTube;
and
g) Menyiapkan aplikasi credit scoring dan g) Developing a credit scoring application and
aplikasi loan KTA dalam mobile app. a KTA loan application within the mobile app.
Pada tahun 2026, OK BANK menargetkan pertumbuhan usaha In 2026, OK BANK targets business growth, which is focused
yang berfokus pada penyaluran kredit secara prudent dan on prudent and sustainable credit disbursement. This strategy
berkesinambungan. Strategi ini diarahkan pada penguatan is directed toward strengthening financing in the corporate
pembiayaan di segmen korporasi dan komersial sebagai and commercial segments as the main portfolio, accompanied
portofolio utama, disertai dengan pengembangan penyaluran by the development of retail lending through channeling
kredit ritel melalui mekanisme channeling guna memperluas mechanisms to expand financing outreach in a measured
jangkauan pembiayaan secara terukur. manner.
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Kinerja Kredit Credit Performance
Kinerja kredit OK BANK menunjukkan perkembangan yang OK BANK's credit performance shows well-maintained
terjaga dengan baik seiring penerapan strategi penyaluran progress in line with the implementation of a selective and
yang selektif dan berorientasi pada kualitas. Penyaluran quality-oriented lending strategy. Credit disbursement is
kredit dilakukan dengan mempertimbangkan profil risiko carried out by considering debtors’ risk profiles and economic
debitur dan kondisi ekonomi, sehingga kualitas aset tetap conditions, thereby ensuring that asset quality remained well
terjaga. Fokus pada sektor dan segmen yang memiliki preserved. The focus on sectors and segments with positive
prospek positif turut mendukung stabilitas portofolio kredit, prospects further supports the stability of the credit portfolio,
sekaligus mencerminkan komitmen OK BANK dalam menjaga while also reflecting OK BANK's commitment to maintaining
pertumbuhan kredit yang sehat dan berkelanjutan. healthy and sustainable credit growth.
Pada tahun 2025, jumlah kredit yang diberikan mencapai In 2025, total loans disbursed amounted to Rp10,734.81
Rp10.734,81 miliar, meningkat 15,43% dibandingkan tahun billion, increasing by 15.43% compared to the previous
sebelumnya Rp9.300,15 miliar. Pertumbuhan jumlah year’s Rp9,300.15 billion. The growth in loans disbursed by
kredit yang diberikan OK BANK berada di kisaran rata-rata OK BANK was within the average range of credit growth in
pertumbuhan kredit industri perbankan nasional tahun 2025 the national banking industry in 2025, which stood at 9.69%.
sebesar 9,69%.
SALDO DAN PORSI PORTOFOLIO SUB-SEGMEN BISNIS KREDIT
Balance and Portfolio Portion of Credit Business Sub-Segment
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
2025 2024
Growth 2025
Uraian Description
Nominal % Nominal % Nominal %
Modal Kerja 6.071.773 56,56 5.278.951 56,76 792.822 15,02 Working Capital
Investasi 2.374.577 22,12 2.076.787 22,33 297.790 14,34 Investment
Konsumsi 989.048 9,21 930.623 10,01 58.425 6,28 Consumption
Sindikasi 1.282.379 11,95 1.000.713 10,76 281.666 28,15 Syndication
Karyawan 17.033 0,16 13.080 0,14 3.953 30,22 Employees
Jumlah Bruto 10.734.810 100,00 9.300.154 100,00 1.434.656 15,43 Total Gross
Penyisihan CKPN (239.410) (207.640) (31.770) Allowance CKPN
Jumlah Kredit – Bersih 10.495.401 9.092.514 1.402.887 Total Credit – Net
Berdasarkan jenis kredit, penyaluran pembiayaan OK BANK Based on credit types, OK BANK's financing disbursement
didominasi oleh kredit modal kerja dengan nilai mencapai was dominated by working capital loans, amounting to
Rp6.071,77 miliar, meningkat sebesar 15,02% dibandingkan Rp6,071.77 billion, representing an increase of 15.02% compared
tahun sebelumnya yang tercatat Rp5.278,95 miliar. Penyaluran to the previous year’s Rp5,278.95 billion. Such lending continued
kredit tersebut tetap difokuskan pada segmen pasar utama, to be focused on the Bank’s main market segments, particularly
terutama di wilayah Jakarta, Jawa Barat, Jawa Tengah, Jawa in the regions of Jakarta, West Java, Central Java, East Java, and
Timur, dan Bali. Selain itu, OK BANK mulai memperluas pangsa Bali. In addition, OK BANK began expanding its market share and
pasar dan melakukan diversifikasi produk pembiayaan melalui diversifying its financing products through the optimization of
optimalisasi SDM di sejumlah cabang strategis, antara lain HR at several strategic branches, including Jakarta, Bandung,
Jakarta, Bandung, Surabaya, Denpasar, dan Semarang, guna Surabaya, Denpasar, and Semarang, in order to support more
mendukung pertumbuhan yang lebih berkelanjutan. sustainable growth.
Sejalan dengan itu, peningkatan aset juga menjadi salah satu In line with this, asset growth has also become one of
prioritas utama OK BANK dengan mendorong ekspansi kredit OK BANK's main priorities by encouraging credit expansion in
pada segmen Korporasi dan Financial Institution. Fokus ini the Corporate and Financial Institution segments. This focus
diarahkan untuk membangun portofolio pembiayaan yang lebih is aimed at building a stronger and higher-quality financing
kuat dan berkualitas, sejalan dengan kebutuhan pembiayaan portfolio, in line with the financing needs of business players
pelaku usaha dan institusi keuangan. Seiring dengan strategi and financial institutions. In line with this strategy, OK BANK
tersebut, OK BANK terus mengembangkan aplikasi Retail continues to develop its mobile-based Retail Loan application
Loan berbasis mobile dan memperkuat produk funding guna and strengthen its funding products to create a balance
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menciptakan keseimbangan antara pertumbuhan kredit dan between credit growth and liquidity. To support this expansion,
likuiditas. Untuk mendukung ekspansi ini, OK BANK terus OK BANK continues to enhance its existing infrastructure and
menyempurnakan infrastruktur dan fasilitas yang ada, meliputi: facilities, which include:
1. Pengembangan fitur dan layanan e-Channel, termasuk 1. Developing features and services for e-Channels, including
ATM, Internet Banking, dan Mobile Banking untuk ATMs, Internet Banking, and Mobile Banking, to enhance
meningkatkan kemudahan transaksi bagi nasabah; transaction convenience for customers;
2. Menjaga keamanan siber atas jaringan OK BANK untuk 2. Maintaining cybersecurity across OK BANK's network to
memberi rasa aman dan kepercayaan nasabah; serta ensure customer safety and trust; and
3. Melakukan relokasi kantor cabang ke daerah yang 3. Relocating branch offices to areas with higher business
mempunyai potensi bisnis yang lebih tinggi. potential.
Berbagai inisiatif tersebut mencerminkan komitmen OK BANK These various initiatives reflect OK BANK's commitment
dalam menghadirkan solusi yang relevan dan berkelanjutan to providing relevant and sustainable solutions for its
bagi nasabah. Dengan pendekatan yang terintegrasi antara customers. Through an integrated approach combining credit
ekspansi kredit, inovasi digital, dan penguatan funding, expansion, digital innovation, and the strengthening of funding,
OK BANK optimistis dapat menjaga kinerja yang solid dan OK BANK is optimistic about maintaining solid performance
mendukung pertumbuhan jangka panjang. and supporting long-term growth.
SALDO DAN PORSI PORTOFOLIO SUB-SEGMEN BISNIS KREDIT
Balance and Portfolio Portion of Credit Business Sub-Segment
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Desember 2025
December 2025
Loan Segment Balance Loan Segment Balance
Nominal %
Commercial 2.424.175 22,58 Commercial
Corporate 4.544.297 42,33 Corporate
Financial Institution 1.798.829 16,76 Financial Institution
a. BPR 205.224 1,91 a. BPR
b. MFC 1.438.675 13,40 b. MFC
Multipurpose 39.289 0,37 Multipurpose
Retail 971.849 9,05 Retail
SME 956.371 8,91 SME
Jumlah 10.734.810 100,00 Total
Pada tahun 2025, segmen Komersial dan Korporasi menjadi In 2025, the Commercial and Corporate segments were
kontributor utama terhadap outstanding kredit OK BANK, the main contributors to OK BANK's outstanding loans, with
dengan nilai masing-masing sebesar Rp2.424,18 miliar values of Rp2,424.18 billion (22.58%) and Rp4,544.30 billion
(22,58%) dan Rp4.544,30 miliar (42,33%). Pencapaian ini (42.33%), respectively. This achievement was in line with
sejalan dengan strategi OK BANK yang menitikberatkan OK BANK's strategy, which emphasizes strengthening
pada penguatan pembiayaan bagi sektor bisnis dan financing for the business and corporate sectors that are
korporasi, yang dianggap memiliki prospek pertumbuhan considered to have high growth prospects. The dominance of
yang tinggi. Dominasi kredit pada kedua segmen tersebut lending in these two segments reflects OK BANK's commitment
mencerminkan komitmen OK BANK untuk mendukung to supporting business development, while also expanding
pengembangan usaha, sekaligus memperluas kehadiran dan its presence and contribution to the broader economy.
kontribusinya dalam perekonomian yang lebih luas.
OK BANK juga menempatkan segmen ritel sebagai fokus utama OK BANK also positions the retail segment the main focus
untuk mendorong pertumbuhan profit, dengan mengembangkan to drive profit growth by developing systems that support
sistem yang mendukung bisnis kredit retail konsumen. the consumer retail lending business. This strategy includes
Strategi ini meliputi penyempurnaan layanan Online Banking enhancing Online Banking services so that customers
agar nasabah dapat menikmati kemudahan dan kenyamanan can enjoy greater convenience and comfort in conducting
dalam bertransaksi, serta perluasan jangkauan layanan transactions, as well as expanding service coverage through
melalui penambahan jaringan kantor di luar wilayah Jakarta. the addition of branch networks outside Jakarta area.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
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Dengan langkah-langkah tersebut, OK BANK bertujuan Through these measures, OK BANK aims to strengthen
memperkuat posisi kompetitif di pasar ritel, memberikan akses its competitive position in the retail market, provide wider
yang lebih luas bagi nasabah di berbagai daerah, sekaligus access for customers across various regions, and deliver
menghadirkan layanan digital yang lebih efisien, responsif, dan digital services that are more efficient, responsive, and of
berkualitas. higher quality.
Suku Bunga Dasar Kredit Prime Lending Rate
OK BANK secara rutin mempublikasikan Suku Bunga Dasar OK BANK regularly publishes its Prime Lending
Kredit (SBDK) dalam mata uang Rupiah sebagai wujud Rate (SBDK) in Rupiah as a form of compliance with
kepatuhan terhadap ketentuan POJK Nomor 37/POJK.3/2019 POJK Number 37/POJK.3/2019 on Transparency and
tentang Transparansi dan Publikasi Laporan Bank. Publication of Bank Reports. Information on SBDK is
Informasi mengenai SBDK juga diatur lebih rinci dalam further regulated in SEOJK Number 9/SEOJK.03/2020 on
SEOJK Nomor 9/SEOJK.03/2020 tentang Transparansi dan Transparency and Publication of Reports of Conventional
Publikasi Laporan Bank Umum Konvensional. Publikasi ini Commercial Banks. This publication aims to provide
bertujuan untuk memberikan keterbukaan informasi kepada information transparency to the public and customers on
masyarakat dan nasabah mengenai acuan suku bunga kredit the benchmark lending rates applied by OK BANK. Data related
yang diterapkan oleh OK BANK. Data terkait SBDK dapat to SBDK can be easily accessed through OK BANK's official
diakses secara mudah melalui situs web resmi OK BANK, website, enabling the public and customers to obtain accurate
sehingga masyarakat dan nasabah dapat memperoleh and up-to-date information.
informasi yang akurat dan terkini.
Sebagai bentuk respons terhadap perubahan kondisi ekonomi As a response to changes in economic conditions and
dan kebijakan moneter, OK BANK secara berkala meninjau monetary policy, OK BANK periodically reviews and updates its
dan memperbarui SBDK. Peninjauan ini mempertimbangkan SBDK. This review considers movements in Bank Indonesia’s
pergerakan suku bunga acuan Bank Indonesia, yaitu benchmark interest rate, the BI 7-day (Reverse) Repo Rate,
BI 7-day (Reverse) Repo Rate, sehingga suku bunga kredit so that the lending rates remain competitive and aligned with
yang ditetapkan tetap kompetitif dan selaras dengan kondisi market conditions. Through this mechanism, OK BANK is
pasar. Dengan mekanisme ini, OK BANK dapat menyesuaikan able to adjust its credit offerings in a timely manner, provide
penawaran kreditnya secara tepat waktu, memberikan flexibility to customers, and at the same time maintain
fleksibilitas bagi nasabah, sekaligus menjaga kestabilan the Bank’s financial stability amid continuously evolving
keuangan OK BANK dalam menghadapi dinamika ekonomi economic dynamics. Information on OK BANK's SBDK is
yang terus berkembang. Informasi mengenai SBDK OK BANK outlined as follows:
diuraikan sebagai berikut:
(dalam % / in %)
Kredit
Kredit
Loans
Korporasi Kredit Ritel Kredit Mikro
Periode Period
Corporate Retail Loan Micro Loan
KPR Non-KPR
Loan
Housing Non-Housing
Desember 2024 7,47 7,93 8,90 8,91 13,89 December 2024
Maret 2025 7,48 8,08 8,13 8,16 15,78 March 2025
Juni 2025 7,50 8,25 8,98 9,00 15,42 June 2025
September 2025 7,25 8,00 8,35 8,25 15,75 September 2025
Desember 2025 7,15 8,00 8,35 8,25 18,42 December 2025
Perbaikan Kualitas Aset Asset Quality Improvement
OK BANK terus melakukan perbaikan kualitas aset melalui OK BANK continues to improve asset quality through
pendekatan pengelolaan debitur yang lebih terstruktur a more structured and forward-looking approach to debtor
dan berorientasi ke depan. OK BANK melakukan pemetaan management. The Bank maps its debtors based on their
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debitur berdasarkan potensi pengembangan usaha masing- respective business development potential, enabling resource
masing, sehingga alokasi sumber daya dapat difokuskan pada allocation to be focused on debtors with strong growth
debitur yang memiliki prospek pertumbuhan dan kemampuan prospects and good repayment capacity. This approach
pembayaran yang baik. Pendekatan ini membantu OK BANK supports OK BANK in building a more solid and sustainable
dalam membangun portofolio kredit yang lebih solid dan loan portfolio.
berkelanjutan.
Sebagai bagian dari upaya pengendalian risiko, OK BANK As part of its risk control efforts, OK BANK conducts intensive
melakukan pemantauan secara intensif terhadap debitur yang monitoring of debtors that show indications of declining
menunjukkan indikasi penurunan kinerja. Debitur dengan gejala performance. Debtors exhibiting early signs of repayment
awal kesulitan pembayaran ditempatkan dalam kelompok difficulties are placed on a special monitoring group or
pemantauan khusus atau watchlist untuk mendapatkan watchlist to receive closer attention and more stringent
perhatian dan pengelolaan yang lebih ketat. Langkah ini management. This step allows OK BANK to implement
memungkinkan OK BANK melakukan tindakan mitigasi secara timely mitigation measures to prevent further deterioration
tepat waktu guna mencegah terjadinya penurunan kualitas in credit quality.
kredit yang lebih lanjut.
Selain itu, OK BANK mengoptimalkan penerapan sistem Furthermore, OK BANK optimizes the implementation of
peringatan dini atau Early Warning System (EWS) dalam proses an Early Warning System (EWS) in its credit management
pengelolaan kredit. Sistem ini digunakan untuk mengidentifikasi process. This system is used to identify potential issues
potensi permasalahan sejak tahap awal melalui pemantauan at an early stage through the monitoring of various risk
berbagai indikator risiko. Dengan dukungan EWS, OK BANK indicators. With the support of EWS, OK BANK is able to
dapat mengambil langkah korektif secara proaktif, sehingga take proactive corrective actions, thereby ensuring that
perbaikan kualitas aset dapat dilakukan secara konsisten dan asset quality improvements are carried out consistently and
berkesinambungan. on a sustainable basis.
Special Asset Management Special Asset Management
OK BANK membentuk Unit Special Asset Management (SAM) OK BANK has established a Special Asset Management (SAM)
sebagai langkah strategis untuk mengelola, memantau, Unit as a strategic measure to manage, monitor, and resolve
dan menyelesaikan kredit bermasalah secara lebih fokus non-performing loans in a more focused and structured
dan terarah, sehingga proses penanganan dapat dilakukan manner, enabling the handling process to be carried out
secara efektif dan sesuai dengan kebijakan manajemen risiko. effectively and in accordance with risk management policies.
Informasi mengenai tugas dan tanggung jawab SAM diuraikan Information on SAM Unit’s duties and responsibilities is outlined
sebagai berikut: as follows:
1. Menerima pengalihan account bermasalah dari Business 1. Receiving the transfer of non-performing accounts from
Unit dan secara bersama-sama melakukan due diligence the Business Unit and jointly conducting due diligence on
terhadap account yang dialihkan; the transferred accounts;
2. Melakukan kunjungan ke lokasi usaha debitur dan membuat 2. Conducting site visits to debtors’ business locations and
call report atas hasil kunjungan yang dilakukan; serta preparing call reports based on the visit findings; and
3. Melakukan upaya penyelesaian terhadap pinjaman debitur 3. Carrying out resolution efforts for debtor loans through
berupa penagihan dan/atau upaya penyelesaian lainnya collection and/or other settlement measures, including but
termasuk namun tidak terbatas pada usulan restrukturisasi, not limited to restructuring proposals, collateral execution
eksekusi jaminan melalui lelang, penjualan jaminan through auctions, voluntary collateral sales, Asset-for-Debt
sukarela, Asset-for-Debt Settlement (AYDA), litigasi, dan Settlement (AYDA), litigation, and other necessary actions.
lain-lain.
Kredit Bermasalah Non-Performing Loans
Pengelolaan kredit bermasalah menjadi bagian penting dalam Managing non-performing loans is an important part of
menjaga kualitas aset dan stabilitas kinerja OK BANK. Setiap maintaining OK BANK's asset quality and performance stability.
potensi penurunan kualitas kredit memerlukan perhatian Any potential deterioration in credit quality requires special
khusus agar risiko dapat dikendalikan sejak dini. Melalui attention so that risks can be controlled at an early stage.
pendekatan yang terstruktur, OK BANK berupaya memastikan Through a structured approach, OK BANK seeks to ensure
bahwa penanganan kredit bermasalah dilakukan secara tepat that non-performing loans are handled in an appropriate and
dan konsisten. consistent manner.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
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Penanganan kredit bermasalah dilaksanakan oleh tim SAM The non-performing loans are handled by the SAM team under
yang berada di bawah Divisi Loan Asset Management. Tim the Loan Asset Management Division. This team has a specific
ini memiliki peran khusus dalam melakukan pemantauan, role in monitoring, analyzing, and formulating resolution
analisis, dan perumusan langkah penyelesaian atas kredit measures for loans experiencing difficulties. With centralized
yang mengalami kendala. Dengan keahlian dan fokus yang expertise and focus, the process of restructuring and collection
terpusat, proses restrukturisasi dan penagihan dapat berjalan can be conducted more effectively in accordance with
lebih efektif sesuai dengan ketentuan yang berlaku. applicable regulations.
Upaya yang dilakukan oleh tim SAM diarahkan untuk The efforts undertaken by the SAM team are directed toward
meminimalkan potensi kerugian sekaligus meningkatkan minimizing potential losses while increasing the possibility
peluang pemulihan kredit. Setiap tindakan disesuaikan dengan of credit recovery. Each action is tailored to debtor’s
karakteristik debitur dan kondisi usaha yang dihadapi. Melalui characteristics and the business conditions faced. Through
pengelolaan kredit bermasalah yang disiplin dan berkelanjutan, disciplined and sustainable management of non-performing
OK BANK berupaya menjaga kualitas portofolio kredit serta loans, OK BANK strives to maintain the quality of its loan
mendukung kinerja yang lebih sehat ke depan. portfolio and support healthier performance going forward.
Melalui penerapan sistem penanganan yang tepat, Through the implementation of appropriate, measurable,
terukur, dan sistematis, OK BANK memiliki jumlah kredit and systematic handling mechanisms, OK BANK recorded
bermasalah sebesar Rp263,11 miliar per 31 Desember 2025, non-performing loans amounting to Rp263.11 billion as of
meningkat 17,37% dibandingkan dengan tahun 2024 sebesar December 31, 2025, an increase of 17.37% compared to 2024,
Rp224,18 miliar. Peningkatan ini mencerminkan meningkatnya which stood at Rp224.18 billion. This increase reflects a higher
jumlah kredit yang memiliki potensi gagal bayar yang lebih number of loans with greater default risk potential; however, it
tinggi, akan tetapi hal ini diiringi dengan peningkatan jumlah is accompanied by an increase in total loans disbursed.
kredit yang diberikan.
Informasi mengenai rasio kredit bermasalah/NPL selama Information regarding the non-performing loan (NPL) ratio
2 (dua) tahun terakhir diuraikan sebagai berikut: over the last 2 (two) years is presented as follows:
TABEL RASIO KREDIT BERMASALAH 2024-2025
Table of Non-Performing Loan Ratio in 2024-2025
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
2025 2024
Uraian Description
Nominal % Nominal %
Pinjaman kepada Bank 205.224 1,91 290.722 3,13 Loan to Bank
Pinjaman kepada Non-Bank 10.529.586 98,09 9.009.432 96,87 Loan to Non-Bank
Jumlah Kredit 10.734.810 100,00 9.300.154 100,00 Total Loan
NPL Bruto Bank - - - - Gross NPL of the Bank
CKPN (NPL) Bank - - - - CKPN (NPL) of the Bank
NPL Neto Bank - - - - Net NPL of the Bank
NPL Bruto Non-Bank 263.114 2,50 224.181 2,49 Gross NPL of Non-Bank
CKPN (NPL) Non-Bank 135.013 93.880 CKPN (NPL) of Non-Bank
NPL Neto Non-Bank 128.101 1,22 130.301 1,45 Net NPL Non-Bank
Kinerja Pendanaan Funding Performance
Kinerja pendanaan OK BANK ditopang oleh struktur produk OK BANK's funding performance is supported by a diverse
simpanan yang beragam, meliputi Giro, Tabungan, dan structure of deposit products, including Current Accounts,
Deposito. Kompos OK BANK dalam memenuhi kebutuhan Savings Accounts, and Time Deposits. This composition
pendanaan dan mendukung pengelolaan likuiditas yang lebih enables OK BANK to meet its funding needs and support more
seimbang. Dengan basis pendanaan yang terdiversifikasi, balanced liquidity management. With a diversified funding
OK BANK memiliki fondasi yang kuat untuk mendukung base, OK BANK has a strong foundation to support its business
kegiatan usaha secara berkelanjutan. activities on a sustainable basis.
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Dalam upaya meningkatkan kualitas pendanaan, OK BANK In an effort to enhance funding quality, OK BANK directs its
mengarahkan strategi pada penguatan dana murah sebagai strategy toward strengthening low-cost funds as the primary
sumber pendanaan utama. Fokus pengembangan diarahkan source of funding. Development efforts are focused on
pada produk Current Account Saving Account (CASA) yang Current Account Savings Account (CASA) products, which
dinilai mampu memberikan efisiensi biaya dana sekaligus are considered capable of improving cost-of-funds efficiency
memperkuat stabilitas likuiditas. Peningkatan porsi CASA while reinforcing liquidity stability. Increasing the proportion of
menjadi salah satu prioritas OK BANK dalam menjaga kinerja CASA has become one of OK BANK's priorities in maintaining
pendanaan yang sehat dan kompetitif. healthy and competitive funding performance.
Sejalan dengan perkembangan teknologi, OK BANK terus In line with technological developments, OK BANK continues to
melakukan inovasi layanan melalui pemanfaatan kanal innovate its services through the utilization of digital channels.
digital. Pengembangan aplikasi mobile banking menjadi The development of mobile banking applications is one of
salah satu langkah strategis untuk memberikan kemudahan the strategic initiatives undertaken to provide convenience and
dan kenyamanan bagi nasabah dalam mengelola transaksi comfort for customers in managing their financial transactions.
keuangan. Selain itu, OK BANK secara aktif memperluas kerja In addition, OK BANK actively expands cooperation with
sama dengan berbagai biller guna memperkaya fitur dan various billers to enrich the features and services available to
layanan yang tersedia bagi nasabah. customers.
Inisiatif digital tersebut diharapkan dapat meningkatkan These digital initiatives are expected to enhance long-term
keterikatan nasabah terhadap layanan OK BANK dalam jangka customer engagement with OK BANK's services. Ease of
panjang. Kemudahan akses dan kelengkapan layanan menjadi access and comprehensive service offerings serve as key
daya tarik tersendiri, terutama bagi segmen nasabah generasi attractions, particularly for younger customer segments
muda yang memiliki preferensi tinggi terhadap layanan with a strong preference for technology-based services.
berbasis teknologi. Dengan pendekatan ini, OK BANK berupaya Through this approach, OK BANK seeks to strengthen
memperkuat basis pendanaan sekaligus membangun its funding base while building closer relationships with
hubungan yang lebih erat dengan nasabah. its customers.
OK BANK juga menerapkan inisiatif strategis untuk mencapai OK BANK also implements strategic initiatives to achieve
target yang telah ditentukan, meliputi: its predetermined targets, which include:
1. Pengembangan produk baru pada Tabungan, Giro, dan 1. Initiating the development of new Savings, Current
Deposito yang memiliki fitur produk sesuai dengan Account, and Time Deposit products with features tailored
kebutuhan nasabah; to customer needs;
2. Mengembangkan program marketing yang menarik 2. Launching attractive marketing programs for savings and
terhadap produk tabungan dan deposito dengan time deposit products by offering rewards in the form of
memberikan reward dalam bentuk hadiah menarik ataupun exciting prizes or cashback for customers;
cashback kepada setiap nasabah;
3. Promosi gabungan dengan nasabah debitur maupun 3. Carrying out joint promotions with debtor and depositor
deposan untuk melakukan sponsorship dalam bentuk customers through sponsorships, such as open booths
open booth dan pameran sebagai bentuk perkenalan and exhibitions, as part of OK BANK Indonesia’s corporate
corporate branding OK BANK Indonesia; branding efforts;
4. Mengadakan event dengan tema keuangan untuk target 4. Hosting finance-themed events targeted at specific
nasabah tertentu sebagai bagian dari bentuk promosi dan customer segments as a form of promotion and financial
literasi finansial kepada nasabah; serta literacy education; and
5. Pengembangan pada target supply chain network nasabah 5. Expanding the supply chain network of existing
korporasi existing, khususnya yang memiliki koneksi corporate customers, particularly those connected to
dengan anak perusahaannya. their subsidiaries.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Informasi mengenai realisasi sumber pendanaan OK BANK Information regarding the realization of OK BANK's funding
selama 2 (dua) tahun terakhir diuraikan sebagai berikut: sources over the last 2 (two) years is outlined as follows:
TABEL SUMBER PENDANAAN 2024-2025
Table of Funding Sources in 2024-2025
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Simpanan Pihak Ketiga 8.160.018 6.800.392 1.359.626 19,99 Deposit from Third Parties
Giro 1.387.258 1.247.986 139.272 11,16 Current Accounts
Tabungan 508.283 358.106 150.177 41,94 Savings
Deposito Non-Bank 6.264.477 5.194.300 1.070.177 20,60 Non-Bank Deposits
Simpanan Pihak Berelasi 14.464 17.759 (3.295) (18,55) Deposit from Related Parties
Simpanan dari Bank Lain 803.889 725.613 78.276 10,79 Deposit from Other Banks
Jumlah Dana Pihak Ketiga 8.978.371 7.543.763 1.434.608 19,02 Total Third-Party Funds
Jumlah Pinjaman Pihak Lain 500.000 550.000 (50.000) (9,09) Total Borrowing from Other Parties
Jumlah Sumber Pendanaan 9.478.371 8.093.763 1.384.608 17,11 Total Funding Sources
Dana Pihak Ketiga (DPK) Third-Party Funds (DPK)
DPK per 31 Desember 2025 meningkat sebesar 19,02% atau DPK as of December 31, 2025 increased by 19.02%, or grew by
bertumbuh sebesar Rp1.434,61 miliar dibandingkan posisi Rp1,434.61 billion compared to the position as of December 31,
31 Desember 2024. Peningkatan tertinggi secara persentase 2024. The highest percentage increase occurred in the Savings
terjadi pada komponen Tabungan dengan peningkatan sebesar component, which rose by 41.90%, followed by Time Deposits,
41,90%, diikuti komponen Deposito Berjangka yang meningkat which increased by 20.45%.
sebesar 20,45%.
Per 31 Desember 2025, jumlah DPK OK BANK, termasuk As of December 31, 2025, total DPK of OK BANK, including
pihak berelasi sebesar Rp8.978,37 miliar, yang terdiri dari related parties, amounted to Rp8,978.37 billion, consisting
Giro Rp1.387,26 miliar, Tabungan Rp515,32 miliar, Deposito of Current Accounts of Rp1,387.26 billion, Savings of
Rp6.271,91 miliar, dan Simpanan dari Bank Lain sebesar Rp515.32 billion, Time Deposits of Rp6,271.91 billion, and
Rp803,89 miliar. Deposits from Other Banks amounting to Rp803.89 billion.
Pertumbuhan DPK juga didorong oleh rasio dana murah The growth in DPK was also driven by OK BANK's low-cost fund
OK BANK, yang meningkat menjadi 23,27%. Dalam rangka ratio, which increased to 23.27%. In order to strengthen funding
memperkuat pendanaan melalui CASA, OK BANK terus through CASA, OK BANK continues to maintain harmonious
memelihara hubungan yang harmonis dengan nasabah, relationships with its customers, with a focus on excellent
dengan fokus pada pelayanan prima dan penyediaan service and the provision of well-targeted banking products
produk perbankan yang tepat sasaran sesuai kebutuhan tailored to the specific needs of each customer.
masing-masing nasabah.
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Informasi mengenai simpanan nasabah OK BANK selama Information regarding OK BANK's customer deposits over
2 (dua) tahun terakhir diuraikan sebagai berikut: the last 2 (two) years is outlined as follows:
SIMPANAN NASABAH
Deposits from Customers
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
2025 2024
Growth in 2025
Uraian Description
Nominal % Nominal % Nominal %
Giro 1.387.258 16,97 1.247.986 18,30 139.272 11,16 Current Accounts
Tabungan 515.318 6,30 363.167 5,33 152.151 41,90 Savings
Deposito Berjangka 6.271.906 76,73 5.206.997 76,37 1.064.909 20,45 Time Deposits
Total Deposits from
Jumlah Simpanan Nasabah 8.174.482 100,00 6.818.150 100,00 1.356.332 19,89
Customers
Giro Current Accounts
Pada tahun 2025, jumlah Giro OK BANK mencapai In 2025, OK BANK's Current Accounts amounted to
Rp1.387,26 miliar, meningkat 11,16% dibandingkan tahun 2024 Rp1,387.26 billion, representing an increase of 11.16%
sebesar Rp1.247,99 miliar. Kondisi ini terutama dipengaruhi compared to Rp1,247.99 billion in 2024. This condition was
oleh peningkatan pada nasabah korporasi yang mempercayakan primarily influenced by the growth in corporate customers
OK BANK sebagai bagian dari partner dalam melakukan who have entrusted OK BANK as a partner in conducting
transaksi keuangan atas kegiatan operasional. financial transactions related to their operational activities.
Tabungan Savings
Pada tahun 2025, jumlah Tabungan OK BANK mencapai In 2025, OK BANK's Savings amounted to Rp515.32 billion,
Rp515,32 miliar, meningkat 41,90% dibandingkan tahun 2024 increasing by 41.90% compared to Rp363.17 billion in 2024.
sebesar Rp363,17 miliar. Kondisi ini terutama dipengaruhi oleh This condition was also influenced by customers’ interest in
ketertarikan nasabah pada produk Bank. the Bank’s products.
Deposito Berjangka Time Deposits
Pada tahun 2025, jumlah Deposito Berjangka OK BANK In 2025, OK BANK's Time Deposits reached Rp6.27 trillion,
mencapai Rp6,27 triliun, meningkat 20,45% dibandingkan increasing by 20.45% compared to Rp5.21 trillion in 2024.
tahun 2024 sebesar Rp5,21 triliun. Kondisi ini dipengaruhi This condition was influenced by the Bank’s strategy in
oleh strategi Bank dalam memberikan penawaran suku bunga offering competitive interest rates and maintaining strong
yang menarik dan hubungan yang baik melalui pelayanan relationships through excellent service, thereby increasing
excellence yang diberikan sehingga dapat meningkatkan customer trust.
kepercayaan nasabah.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Tinjauan Keuangan
Financial Review
Analisis dan pembahasan terkait tinjauan keuangan dalam The analysis and discussion related to the financial review in this
Laporan Tahunan dan Laporan Keberlanjutan ini disusun dengan Annual Report and Sustainability Report are prepared by referring
mengacu pada Laporan Keuangan PT Bank Oke Indonesia, to the Financial Statements of PT Bank Oke Indonesia, Tbk.
Tbk. untuk tahun buku yang berakhir pada 31 Desember 2025 for the financial years ended December 31, 2025 and 2024,
dan 2024, yang telah diaudit oleh Kantor Akuntan Publik which were audited by Public Accounting Firm Paul Hadiwinata,
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan. Hidajat, Arsono, Retno, Palilingan & Partner. The preparation of
Penyusunan laporan ini bertujuan memberikan gambaran yang this report aims to provide an accurate and transparent overview
akurat dan transparan mengenai kondisi keuangan OK BANK of OK BANK’s financial condition during the relevant period.
selama periode terkait.
Penyajian dan pengungkapan Laporan Keuangan PT Bank The presentation and disclosure of the Financial Statements
Oke Indonesia, Tbk. mengikuti ketentuan Standar Akuntansi of PT Bank Oke Indonesia, Tbk. comply with the Indonesian
Keuangan (SAK) di Indonesia, termasuk Pernyataan Standar Financial Accounting Standards (SAK), including Statements
Akuntansi Keuangan (PSAK) dan Interpretasi Standar Akuntansi of Financial Accounting Standards (PSAK) and Interpretations
Keuangan (ISAK) yang diterbitkan oleh Dewan Standar Akuntansi of Financial Accounting Standards (ISAK) issued by
Keuangan Ikatan Akuntan Indonesia (DSAK-IAI). Pembahasan the Financial Accounting Standards Board of the Institute of
analisis tinjauan keuangan OK BANK disampaikan dengan Indonesian Chartered Accountants (DSAK-IAI). The analysis
merujuk pada penjelasan dalam Catatan Laporan Keuangan and discussion of OK BANK's financial review are presented
dari auditor eksternal, yang menjadi bagian integral dari with reference to the explanations in the Notes to the Financial
Laporan Tahunan dan Laporan Keberlanjutan ini. Statements from the external auditor, which form an integral
part of this Annual Report and Sustainability Report.
Laporan Posisi Keuangan
Statement of Financial Position
ASET
Assets
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth 2025
Uraian 2025 2024 Description
Nominal %
Kas 21.783 23.122 (1.339) (5,79) Cash
Current Accounts with
Giro pada Bank Indonesia 372.953 440.809 (67.856) (15,39)
Bank Indonesia
Current Accounts with
Giro pada Bank Lain – Bersih 297 427 (130) (30,39)
Other Banks – Net
Penempatan pada Bank Indonesia Placements with Bank Indonesia
640.815 364.985 275.830 75,57
dan Bank Lain – Bersih and Other Banks – Net
Efek-Efek yang Dibeli dengan Marketable Securities Purchased
21.747 123.630 (101.883) (82,41)
Janji Dijual Kembali under Resale Agreement
Efek-Efek 1.574.460 1.628.912 (54.452) (3,34) Marketable Securities
Pinjaman yang Diberikan 10.734.810 9.300.154 1.434.656 15,43 Loans
Penyisihan Kerugian Penurunan Nilai (239.410) (207.640) (31.770) 15,30 Allowance for Impairment Losses
Aset Tetap – Bersih 118.575 120.449 (1.874) (1,56) Fixed Assets – Net
Aset Tak Berwujud – Bersih 22.472 15.860 6.612 41,69 Intangible Assets – Net
Aset Hak Guna – Bersih 16.074 24.107 (8.033) (33,32) Right of Use Assets – Net
Aset Pajak Tangguhan – Bersih 10.718 6.887 3.831 55,63 Deferred Tax Assets – Net
Aset Lain-Lain 122.331 152.421 (30.090) (19,74) Other Assets
Jumlah Aset 13.417.628 11.870.492 1.547.136 13,03 Total Assets
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Aset Keuangan Financial Assets
Kas Cash
OK BANK mencatatkan kas sebesar Rp21,78 miliar pada OK BANK recorded cash of Rp21.78 billion in 2025,
tahun 2025, menurun sebesar 5,79% dari tahun 2024 sebesar representing a decrease of 5.79% from Rp23.12 billion in 2024.
Rp23,12 miliar. Kondisi ini terutama dipengaruhi oleh aktivitas This condition was primarily influenced by the Bank’s
operasional Bank dan optimalisasi likuiditas. operational activities and liquidity optimization.
Giro pada Bank Indonesia Current Accounts with Bank Indonesia
OK BANK mencatatkan giro pada Bank Indonesia sebesar OK BANK recorded current accounts with Bank Indonesia
Rp372,95 miliar pada tahun 2025, menurun sebesar 15,39% amounting to Rp372.95 billion in 2025, decreasing by
dari tahun 2024 sebesar Rp440,81 miliar. Kondisi ini terutama 15.39% from Rp440.81 billion in 2024. This condition was
dipengaruhi oleh kebijakan moneter yang memengaruhi giro primarily influenced by monetary policies affecting the Bank’s
wajib minimum Bank. minimum statutory reserve.
Penempatan pada Bank Indonesia dan Placement with Bank Indonesia and
Bank Lain – Bersih Other Banks – Net
OK BANK mencatatkan penempatan pada Bank Indonesia OK BANK recorded placements with Bank Indonesia and
dan Bank Lain – bersih sebesar Rp640,82 miliar pada other banks – net amounting to Rp640.82 billion in 2025,
tahun 2025, meningkat sebesar 75,57% dari tahun 2024 sebesar representing an increase of 75.57% from Rp364.99 billion in
Rp364,99 miliar. Kondisi ini terutama dipengaruhi oleh 2024. This condition was primarily influenced by the Bank’s
kebijakan internal Bank dalam mengelola likuiditas optimal. internal policies in managing optimal liquidity.
Efek-Efek Marketable Securities
OK BANK mencatatkan efek-efek sebesar Rp1,57 triliun pada OK BANK recorded marketable securities amounting to
tahun 2025, menurun sebesar 3,34% dari tahun 2024 sebesar Rp1.57 trillion in 2025, decreasing by 3.34% from Rp1.63 trillion
Rp1,63 triliun. Kondisi ini terutama dipengaruhi oleh kebijakan in 2024. This condition was primarily influenced by the Bank’s
Bank dalam pengelolaan dana dan likuiditas dengan imbas policies in fund and liquidity management, resulting in optimal
hasil optimal. returns.
Pinjaman yang Diberikan Loans
OK BANK mencatatkan pinjaman yang diberikan sebesar OK BANK recorded loans amounting to Rp10.78 trillion in
Rp10,78 triliun pada tahun 2025, meningkat sebesar 15,43% 2025, increasing by 15.43% from Rp9.30 trillion in 2024.
dari tahun 2024 sebesar Rp9,30 triliun. Kondisi ini seiring This condition is in line with the Bank's credit expansion
dengan strategi ekspansi kredit Bank dalam meningkatkan strategy in increasing the loan portfolio supported by
portofolio pinjaman didukung dengan kondisi perekonomian economic conditions that support credit growth.
yang mendukung pertumbuhan kredit.
Aset Non-Keuangan Non-Financial Assets
Aset Tetap – Bersih Fixed Assets – Net
OK BANK mencatatkan aset tetap – bersih sebesar Rp118,58 OK BANK recorded fixed assets – net amounting to
miliar pada tahun 2025, menurun sebesar 1,56% dari Rp118.58 billion in 2025, representing a decrease of 1.56%
tahun 2024 sebesar Rp120,45 miliar. Kondisi ini terutama from Rp120.45 billion in 2024. This condition was primarily
dipengaruhi oleh optimalisasi investasi pada aset tetap dalam influenced by the optimization of investments in fixed
rangka menciptakan efisiensi operasional yang sehat. assets to create sound operational efficiency.
Aset Lain-Lain Other Assets
OK BANK mencatatkan aset lain-lain sebesar Rp122,33 miliar OK BANK recorded other assets amounting to Rp122.33 billion
pada tahun 2025, menurun sebesar 19,74% dari tahun 2024 in 2025, decreasing by 19.74% from Rp152.42 billion in 2024.
sebesar Rp152,42 miliar. Kondisi ini terutama dipengaruhi This condition was mainly influenced by the Bank’s policy
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ANALISIS DAN PEMBAHASAN MANAJEMEN
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oleh kebijakan Bank dalam mengefisienkan aset non-produktif to improve the efficiency of non-earning assets in order to
guna meningkatkan efisiensi keuangan. enhance financial efficiency.
Jumlah Aset Total Assets
OK BANK mencatatkan jumlah aset sebesar Rp13,42 triliun OK BANK recorded total assets amounting to Rp13.42 trillion
pada tahun 2025, meningkat sebesar 13,03% dari tahun 2024 in 2025, representing an increase of 13.03% from
sebesar Rp11,87 triliun. Kondisi ini terutama dipengaruhi oleh Rp11.87 trillion in 2024. This condition was primarily influenced
peningkatan nilai aset keuangan Bank, termasuk pertumbuhan by the increase in the Bank’s financial assets, including
portofolio kredit. the growth of the loan portfolio.
LIABILITAS
Liabilities
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Liabilitas Segera 52.719 54.949 (2.230) (4,06) Liabilities Immediately Payable
Simpanan Nasabah 8.174.482 6.818.150 1.356.332 19,89 Deposits from Customers
Simpanan dari Bank Lain 803.889 725.613 78.276 10,79 Deposits from Other Banks
Pinjaman yang Diterima 500.000 550.000 (50.000) (9,09) Borrowings
Utang Pajak 29.037 33.772 (4.735) (14,02) Taxes Payable
Liabilitas Imbalan Pasca Kerja 20.882 15.853 5.029 31,73 Post-Employment Benefit Liabilities
Liabilitas Sewa 8.339 10.952 (2.553) (23,31) Lease Liabilities
Liabilitas Lain-Lain 30.789 25.520 5.269 20,65 Other Liabilities
Jumlah Liabilitas 9.620.197 8.234.810 1.385.387 16,82 Total Liabilities
Liabilitas Keuangan Financial Liabilities
Liabilitas Segera Liabilities Immediately Payable
OK BANK mencatatkan liabilitas segera sebesar Rp52,72 miliar OK BANK recorded liabilities immediately payable amounting
pada tahun 2025, menurun sebesar 4,06% dari tahun 2024 to Rp52.72 billion in 2025, representing a decrease of 4.06%
sebesar Rp54,95 miliar. Kondisi ini terutama dipengaruhi oleh from Rp54.95 billion in 2024. This condition was primarily
penyelesaian kewajiban jangka pendek atas penghasilan influenced by the settlement of current liabilities related to
ditangguhkan kredit restrukturisasi. deferred income from restructured loans.
Simpanan Nasabah Deposits from Customers
OK BANK mencatatkan simpanan nasabah sebesar OK BANK recorded deposits from customers amounting
Rp8,17 triliun pada tahun 2025, meningkat sebesar 19,89% to Rp8.17 trillion in 2025, increasing by 19.89% from
dari tahun 2024 sebesar Rp6,82 triliun. Kondisi ini seiring Rp6.82 trillion in 2024. This condition is in line with
dengan meningkatnya kepercayaan nasabah terhadap layanan the increasing customer trust in banking services and products,
dan produk perbankan yang didukung strategi pemasaran supported by the Bank’s funding marketing strategy.
pendanaan Bank.
Simpanan dari Bank Lain Deposits from Other Banks
OK BANK mencatatkan simpanan dari bank Lain sebesar OK BANK recorded deposits from other banks amounting
Rp803,89 miliar pada tahun 2025, meningkat sebesar 10,79% to Rp803.89 billion in 2025, increasing by 10.79% from
dari tahun 2024 sebesar Rp725,61 miliar. Kondisi ini terutama Rp725.61 billion in 2024. This condition was primarily
dipengaruhi oleh meningkatnya kepercayaan nasabah influenced by the increasing customer trust in banking services
terhadap layanan dan produk perbankan yang didukung and products, supported by the Bank’s funding marketing
strategi pemasaran pendanaan Bank. strategy.
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Pinjaman yang Diterima Borrowings
OK BANK mencatatkan pinjaman yang diterima sebesar OK BANK recorded borrowings amounting to Rp500.00 billion
Rp500,00 miliar pada tahun 2024, menurun sebesar 9,09% in 2025, decreasing by 9.09% from Rp550.00 billion in 2024.
dari tahun 2024 sebesar Rp550,00 miliar. Kondisi ini terutama This condition was mainly influenced by the Bank’s policy
dipengaruhi oleh kebijakan Bank dalam memastikan to ensure a stable funding structure.
pengelolaan struktur pendanaan yang tetap stabil.
Liabilitas Non-Keuangan Non-Financial Liabilities
Utang Pajak Taxes Payables
OK BANK mencatatkan utang pajak sebesar Rp29,04 miliar OK BANK recorded taxes payables amounting to
pada tahun 2025, menurun sebesar 14,02% dari tahun 2024 Rp29.04 billion in 2025, representing a decrease of 14.02%
sebesar Rp33,77 miliar. Kondisi ini terutama dipengaruhi oleh from Rp33.77 billion in 2024. This condition was primarily
penurunan laba kena pajak yang berdampak pada penurunan influenced by the decrease in taxable income, which resulted
kewajiban pajak. in a reduction in tax liabilities.
Liabilitas Imbalan Pasca Kerja Post-Employment Benefit Liabilities
OK BANK mencatatkan liabilitas imbalan pasca kerja sebesar OK BANK recorded post-employment benefits liabilities
Rp20,88 miliar pada tahun 2025, meningkat sebesar 31,73% amounting to Rp20.88 billion in 2025, increasing by 31.73%
dari tahun 2024 sebesar Rp15,85 miliar. Kondisi ini terutama from Rp15.85 billion in 2024. This condition was primarily
dipengaruhi oleh penyesuaian skema manfaat pasca kerja influenced by adjustments to post-employment benefit
berdasarkan kebijakan Bank. schemes in accordance with the Bank’s policies.
Liabilitas Lain-Lain Other Liabilities
OK BANK mencatatkan liabilitas lain-lain sebesar Rp30,79 miliar OK BANK recorded other liabilities amounting to Rp30.79 billion
pada tahun 2025, meningkat sebesar 20,65% dari tahun 2024 in 2025, increasing by 20.65% from Rp25.52 billion in 2024.
sebesar Rp25,52 miliar. Kondisi ini terutama dipengaruhi oleh This condition was mainly influenced by the increase in
peningkatan beban operasional yang belum terselesaikan unresolved operational expenses in the reporting period.
dalam periode pelaporan.
Jumlah Liabilitas Total Liabilities
OK BANK mencatatkan jumlah liabilitas sebesar OK BANK recorded total liabilities amounting to Rp9.62 trillion
Rp9,62 triliun pada tahun 2025, meningkat sebesar 16,82% dari in 2025, representing an increase of 16.82% from Rp8.23 trillion
tahun 2024 sebesar Rp8,23 triliun. Kondisi ini seiring dengan in 2024. This condition is in line with the Bank’s financial
strategi pengelolaan keuangan Bank yang mempertahankan management strategy to maintain a balance between fund
keseimbangan antara penghimpunan dan penyaluran dana. collection and disbursement.
EKUITAS
Equity
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Modal Saham Ditempatkan dan
1.689.239 1.703.779 (14.540) (0,85) Issued and Fully Paid Share Capital
Disetor Penuh
Saham Treasuri - (55.201) 55.201 (100,00) Treasury Stock
Tambahan Modal Disetor 1.592.825 1.633.486 (40.661) (2,49) Additional Paid-in Capital
Surplus Revaluasi Aset Tetap – Revaliation Surplus of Fixed Asset –
80.715 81.949 (1.234) (1,51)
Neto Net
Rugi yang Belum Direalisasi
Unrealized Loss on Securities
atas Efek yang Diukur pada
2.737 (136) 2.873 2.112,16 Measured at Fair Value through
Nilai Wajar melalui Penghasilan
Other Comprehensive Income
Komprehensif Lain
Kerugian Pengukuran Kembali Losses Remeasurement of Defined
(2.750) (1.651) (1.099) 66,59
Program Manfaat Pasti Benefit Pension Plans
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Saldo Laba Retained Earnings
Telah Ditentukan Penggunaannya 47.484 37.486 9.998 26,67 Appropriated Retained Earnings
Belum Ditentukan Penggunaannya 387.181 235.971 151.210 64,08 Unappropriated Retained Earnings
Jumlah Ekuitas 3.797.430 3.635.682 161.748 4,45 Total Equity
Jumlah Ekuitas Total Equity
OK BANK mencatatkan jumlah ekuitas sebesar Rp3,80 triliun OK BANK recorded total equity amounting to Rp3.80 trillion
pada tahun 2025, meningkat sebesar 4,45% dari tahun 2024 in 2025, representing an increase of 4.45% from
sebesar Rp3,64 triliun. Kondisi ini terutama dipengaruhi Rp3.64 trillion in 2024. This condition was primarily
oleh peningkatan laba ditahan yang belum ditentukan influenced by the increase in unappropriated retained earnings
penggunaannya sebagai bagian dari strategi penguatan modal. as part of the Bank’s capital strengthening strategy.
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 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Pendapatan Bunga 1.206.747 1.037.329 169.418 16,33 Interest Income
Beban Bunga (517.871) (435.910) (81.961) 18,80 Interest Expenses
Pendapatan Bunga – Bersih 688.876 601.419 87.457 14,54 Interest Income – Net
Pendapatan Operasional Lainnya 31.946 28.296 3.650 12,90 Other Operating Income
Beban Operasional Lainnya
Other Operating Expenses
Tenaga Kerja (155.401) (139.471) (15.930) 11,42 Personnel
Umum dan Administrasi (138.901) (143.731) 4.830 (3,36) General and Administrative
Penyisihan Kerugian Penurunan Allowance for Impairment Losses
(212.288) (278.694) 66.406 (23,83)
Nilai atas Aset Keuangan on Financial Assets
Jumlah Beban Operasional
(506.590) (561.896) 55.306 (9,84) Total Other Operating Expenses – Net
Lainnya – Bersih
Laba Operasional 214.233 67.820 146.413 215,88 Operating Income
Pendapatan (Beban) Non-Operasional
Non-Operating Income (Expenses)
Pendapatan Non-Operasional 33 368 (335) (90,93) Non-Operating Income
Beban Non-Operasional (316) (51) (265) 519,84 Non-Operating Expenses
Jumlah (Beban) Pendapatan Total Non-Operating Income
(283) 318 (601) (188,92)
Non-Operasional – Bersih (Expenses) – Net
Laba Sebelum Beban Pajak
213.950 68.138 145.812 214,00 Income Before Income Tax Expenses
Penghasilan
Beban Pajak Penghasilan Badan (53.976) (18.150) (35.826) 197,39 Income Tax Expense
Laba Bersih Tahun Berjalan 159.975 49.988 109.987 220,03 Net Profit for the Year
Jumlah Penghasilan Komprehensif –
1.774 1.208 566 46,84 Total Comprehensive Income – Net
Bersih
Jumlah Laba Komprehensif 161.748 51.196 110.552 215,94 Total Comprehensive Profit
Laba per Saham Dasar Basic Earnings per Share
9,41 2,93 6,48 221,15
(Rupiah penuh) (full Rupiah)
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Pendapatan Bunga Interest Income
OK BANK mencatatkan pendapatan bunga sebesar OK BANK recorded interest income amounting to
Rp1,21 triliun pada tahun 2025, meningkat sebesar 16,33% Rp1.21 trillion in 2025, representing an increase of 16.33% from
dari tahun 2024 sebesar Rp1,04 triliun. Kondisi ini terutama Rp1.04 trillion in 2024. This condition was primarily influenced
dipengaruhi oleh peningkatan volume kredit yang disalurkan by the increase in the volume of loans disbursed by the Bank
oleh Bank sepanjang tahun 2025. throughout 2025.
Beban Bunga Interest Expenses
OK BANK mencatatkan beban bunga sebesar Rp517,87 miliar OK BANK recorded interest expense amounting to
pada tahun 2025, meningkat sebesar 18,80% dari tahun 2024 Rp517.87 billion in 2025, increasing by 18.80% from
sebesar Rp435,91 miliar. Kondisi ini terutama dipengaruhi oleh Rp435.91 billion in 2024. This condition was mainly influenced
kenaikan jumlah Dana Pihak Ketiga (DPK) yang dihimpun Bank by the increase in Third-Party Funds (DPK) collected by
dengan tingkat bunga kompetitif. the Bank at competitive interest rates.
Pendapatan Bunga – Bersih Interest Income – Net
OK BANK mencatatkan pendapatan bunga bersih sebesar OK BANK recorded interest income – net amounting to
Rp688,88 miliar pada tahun 2025, meningkat sebesar 14,54% Rp688.88 billion in 2025, representing an increase of 14.54%
dari tahun 2024 sebesar Rp601,42 miliar. Kondisi ini terutama from Rp601.42 billion in 2024. This condition was primarily
dipengaruhi oleh pertumbuhan pendapatan bunga yang lebih influenced by higher growth in interest income compared to
tinggi dibandingkan dengan peningkatan beban bunga. the increase in interest expenses.
Pendapatan Operasional Lainnya Other Operating Income
OK BANK mencatatkan pendapatan operasional lainnya OK BANK recorded other operating income amounting to
sebesar Rp31,95 miliar pada tahun 2025, meningkat sebesar Rp31.95 billion in 2025, increasing by 12.90% from
12,90% dari tahun 2024 sebesar Rp28,30 miliar. Kondisi ini Rp28.30 billion in 2024. This condition was primarily influenced
terutama dipengaruhi oleh peningkatan pendapatan dari by increased income from loan recoveries through write-offs,
pemulihan kredit melalui penghapusan buku dan pertumbuhan as well as growth in fee and commission income compared to
pendapatan dari provisi serta komisi yang meningkat the previous year.
dibandingkan tahun sebelumnya.
Beban Operasional Lainnya Other Operating Expenses
OK BANK mencatatkan beban operasional lainnya sebesar OK BANK recorded other operating expenses amounting
Rp506,59 miliar pada tahun 2025, menurun sebesar 9,84% to Rp506.59 billion in 2025, decreasing by 9.84% from
dari tahun 2024 sebesar Rp561,90 miliar. Kondisi ini terutama Rp561.90 billion in 2024. This condition was primarily
dipengaruhi oleh efisiensi dalam beban umum dan administrasi influenced by efficiency in the Bank’s general and
Bank yang tetap sejalan dengan efektivitas operasional secara administrative expenses, which remained aligned with overall
keseluruhan serta penurunan biaya penyisihan penurunan operational effectiveness, as well as a decrease in impairment
nilai. losses.
Laba Operasional Operating Income
OK BANK mencatatkan laba operasional sebesar Rp214,23 miliar OK BANK recorded operating income amounting to
pada tahun 2025, meningkat sebesar 215,88% dari tahun 2024 Rp214.23 billion in 2025, representing an increase of
sebesar Rp67,82 miliar. Kondisi ini terutama dipengaruhi oleh 215.88% from Rp67.82 billion in 2024. This condition was
kontribusi atas peningkatan pendapatan operasional lainnya primarily influenced by the contribution from increased other
dan efisiensi dalam pengelolaan beban operasional yang operating income and efficiency in managing operating
berhasil meningkatkan profitabilitas serta pendapatan bunga expenses, which improved profitability, along with higher net
bersih yang meningkat. interest income.
Pendapatan (Beban) Non-Operasional – Bersih Non-Operating Income (Expenses) – Net
OK BANK mencatatkan beban non-operasional – bersih OK BANK recorded non-operating income – net of
sebesar Rp283 juta pada tahun 2025, menurun sebesar 188,92% Rp283 million in 2025, decreasing by 188.92% from
dari tahun 2024 sebesar Rp318 juta. Kondisi ini terutama Rp318 million in 2024. This condition was primarily influenced
dipengaruhi oleh peningkatan beban non-operasional yang by an increase in non-operating expenses that exceeded
lebih tinggi dari pendapatan non-operasional. non-operating income.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Laba Sebelum Pajak Penghasilan Income Before Income Tax
OK BANK mencatatkan laba sebelum pajak penghasilan sebesar OK BANK recorded income before income tax amounting to
Rp213,95 miliar pada tahun 2025, meningkat sebesar 214,00% Rp213.95 billion in 2025, representing an increase of 214.00%
dari tahun 2024 sebesar Rp68,14 miliar. Kondisi ini terutama from Rp68.14 billion in 2024. This condition was primarily
dipengaruhi oleh peningkatan laba atas aktivitas operasional influenced by increased income from operating activities,
yang didukung pendapatan aktivitas non-operasional yang supported by non-operating income that contributed to
memberikan kontribusi terhadap profitabilitas. profitability.
Laba Bersih Tahun Berjalan Net Profit for the Year
OK BANK mencatatkan laba bersih tahun berjalan sebesar OK BANK recorded net profit for the year amounting to
Rp159,98 miliar pada tahun 2025, meningkat sebesar Rp159.98 billion in 2025, representing an increase of 220.03%
220,03% dari tahun 2024 sebesar Rp49,99 miliar. Kondisi ini from Rp49.99 billion in 2024. This condition was mainly
terutama dipengaruhi oleh peningkatan laba operasional yang influenced by increased operating income, which made
memberikan kontribusi signifikan terhadap laba bersih. a significant contribution to net income.
Penghasilan Komprehensif – Bersih Comprehensive Income – Net
OK BANK mencatatkan penghasilan komprehensif bersih OK BANK recorded comprehensive income – net amounting
sebesar Rp1,77 miliar pada tahun 2025, meningkat sebesar to Rp1.77 billion in 2025, increasing by 46.84% from
46,84% dari tahun 2024 sebesar Rp1,21 miliar. Kondisi ini Rp1.21 billion in 2024. This condition was primarily
terutama dipengaruhi oleh keuntungan/kerugian yang belum influenced by higher unrealized gains/losses on securities
direalisasi atas efek yang diukur pada nilai wajar melalui measured at fair value through other comprehensive income.
penghasilan komprehensif lain lebih tinggi.
Laba Komprehensif Comprehensive Income
OK BANK mencatatkan laba komprehensif sebesar OK BANK recorded comprehensive income amounting to
Rp161,75 miliar pada tahun 2025, meningkat sebesar 215,94% Rp161.75 billion in 2025, representing an increase of 215.94%
dari tahun 2024 sebesar Rp51,20 miliar. Kondisi ini terutama from Rp51.20 billion in 2024. This condition was primarily
dipengaruhi oleh peningkatan laba bersih tahun berjalan yang influenced by an increase in net income for the year, which
secara langsung berdampak pada laba komprehensif. directly impacted comprehensive income.
Laba per Saham Dasar Basic Earnings per Share
OK BANK mencatatkan laba per saham dasar sebesar Rp9,41 OK BANK recorded basic earnings per share of Rp9.41 in 2025,
pada tahun 2025, meningkat sebesar 221,15% dari tahun increasing by 221.15% from Rp2.93 in 2024. This condition
2024 sebesar Rp2,93. Kondisi ini terutama dipengaruhi oleh was primarily influenced by higher net income, which had
peningkatan laba bersih yang memberikan dampak positif a positive impact on earnings per share.
pada nilai laba per saham.
Laporan Arus Kas
Statement of Cash Flows
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Arus Kas Diperoleh dari (Digunakan Cash Flows Provided by (Used in)
(68.072) 55.512 (123.584) (222,62)
untuk) Aktivitas Operasi Operating Activities
Arus Kas Diperoleh dari (Digunakan Cash Flows Provided by (Used in)
32.587 (244.204) 276.791 113,34
untuk) Aktivitas Investasi Investing Activities
Arus Kas dari Aktivitas Pendanaan (57.990) (14.653) 43.337 295,75 Cash Flow from Financing Activities
Kenaikan (Penurunan) Bersih Kas Net Increase (Decrease) in Cash
(93.474) (203.345) (109.871) (54,03)
dan Setara Kas and Cash Equivalent
Kas dan Setara Kas pada Cash and Cash Equivalents at
829.357 1.032.702 (203.345) (19,69)
Awal Tahun the Beginning of the Year
Kas dan Setara Kas pada Cash and Cash Equivalents at
735.883 829.357 (93.474) (11,27)
Akhir Tahun the End of the Year
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Arus Kas Diperoleh dari (Digunakan untuk) Cash Flows Provided by (Used in) Operating
Aktivitas Operasi Activities
OK BANK mencatatkan arus kas yang digunakan untuk OK BANK recorded cash flows used in operating activities
aktivitas operasi sebesar Rp68,07 miliar pada tahun 2025, amounting to Rp68.07 billion in 2025, a decrease of 222.62%
menurun sebesar 222,62% dari arus kas yang diperoleh tahun compared to cash flows provided in 2024 of Rp55.51 billion.
2024 sebesar Rp55,51 miliar. Kondisi ini terutama dipengaruhi This condition was primarily influenced by the increase in
oleh peningkatan penyaluran pinjaman yang diberikan (neto) net loan disbursements, which reached Rp1.59 trillion, and
yang mencapai Rp1,59 triliun dan penempatan pada Bank placements with Bank Indonesia amounting to Rp300.00
Indonesia sebesar Rp300,00 miliar. billion.
Arus Kas Diperoleh dari (Digunakan untuk) Cash Flows Provided by (Used in) Investing
Aktivitas Investasi Activities
OK BANK mencatatkan arus kas yang diperoleh dari aktivitas OK BANK recorded cash flows provided by investing
investasi sebesar Rp32,59 miliar pada tahun 2025, meningkat activities amounting to Rp32.59 billion in 2025, an increase
sebesar 113,34% dari arus kas yang digunakan tahun 2024 of 113.34% compared to cash flows used in 2024 of
sebesar Rp244,20 miliar. Kondisi ini terutama dipengaruhi Rp244.20 billion. This condition was primarily influenced by
oleh penerimaan dari surat berharga yang telah jatuh tempo receipts from matured securities, which were significantly
yang jauh lebih besar dibandingkan dengan pengeluaran untuk higher than expenditures for the purchase of new securities.
pembelian surat berharga baru.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
OK BANK mencatatkan arus kas yang digunakan dari aktivitas OK BANK recorded cash flows used from financing
pendanaan sebesar Rp57,99 miliar pada tahun 2025, meningkat activities amounting to Rp57.99 billion in 2025, representing
sebesar 295,75% dari tahun 2024 sebesar Rp14,65 miliar. an increase of 295.75% from Rp14.65 billion in 2024. This
Kondisi ini terutama dipengaruhi oleh adanya pembayaran condition was primarily influenced by loan repayments
pinjaman sebesar Rp50,00 miliar. amounting to Rp50.00 billion.
Jumlah Kas dan Setara Kas Total Cash and Cash Equivalents
OK BANK mencatatkan jumlah kas dan setara kas sebesar OK BANK recorded total cash and cash equivalents amounting
Rp753,88 miliar pada tahun 2025, menurun sebesar 11,27% to Rp753.88 billion in 2025, decreasing by 11.27% from
dari tahun 2024 sebesar Rp829,36 miliar. Kondisi ini terutama Rp829.36 billion in 2024. This condition was primarily
dipengaruhi oleh penurunan saldo penempatan dana pada influenced by a decrease in the balance of placements with
Bank Indonesia dan Bank lain dengan jatuh tempo 3 (tiga) Bank Indonesia and other banks with maturities of 3 (three)
bulan yang disesuaikan dengan kebutuhan likuiditas Bank. months, adjusted to the Bank’s liquidity needs.
Rasio Keuangan
Financial Ratio
(dalam % / in %)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Poin Persentase
Percentage Points
Permodalan
Capital
Rasio Tier 1 41,11 45,74 (4,63) Tier 1 Ratio
Rasio Tier 2 1,10 1,09 0,01 Tier 2 Ratio
Aset Tetap terhadap Modal 3,12 3,31 (0,19) Fixed Assets to Capital
Kualitas Aset
Assets Quality
Aset Produktif Bermasalah dan Aset Non-Performing Earning Assets and
Non-Produktif Bermasalah terhadap Non-Performing Non-Earning Assets
1,79 1,99 (0,20)
Total Aset Produktif dan Aset to Total Earning Assets and
Non-Produktif Non-Earning Assets
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
(dalam % / in %)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Poin Persentase
Percentage Points
Aset Produktif Bermasalah terhadap Non-Performing Earning Assets to
1,97 1,91 0,06
Total Aset Produktif Total Earning Assets
Rasio Pinjaman Bermasalah
Non-Performing Loan (NPL) Ratio –
(Non-Performing Loan – NPL Ratio) – 2,50 2,49 0,01
Gross
Bruto
Rasio Kredit Bermasalah
(Non-Performing Loan – NPL Ratio) – 1,22 1,45 (0,23) Non-Performing Loan (NPL) Ratio – Net
Neto
Cadangan Kerugian Penurunan Nilai Allowance for Impairment Losses
1,80 1,78 0,02
(CKPN) terhadap Aset Produktif (CKPN) to Earning Assets
Rasio Penurunan Nilai Kredit
2,23 2,23 - Impairment Ratio
(Impairment Ratio)
Rentabilitas
Profitability
Return on Asset (ROA) 1,70 0,61 1,09 Return on Asset (ROA)
Return on Equity (ROE) 4,35 1,41 2,94 Return on Equity (ROE)
Margin Bunga Bersih (NIM) 5,67 5,58 0,09 Net Interest Margin (NIM)
Beban terhadap Pendapatan (CIR) 44,69 47,95 (3,26) Cost to Income Ratio (CIR)
Biaya Operasional terhadap Operating Expense to Operating
82,71 93,64 (10,93)
Pendapatan Operasional (BOPO) Income (BOPO)
Kepatuhan
Compliance
Persentase Pelanggaran BMPK LLL Violation Percentage
Pihak Terkait - - - Related Parties
Pihak Tidak Terkait - - - Non-Related Parties
Persentase Pelampauan BMPK LLL Exceeding Percentage
Pihak Terkait - - - Related Parties
Pihak Tidak Terkait - - - Non-Related Parties
Giro Wajib Minimum (GWM) Minimum Statutory Reserve (GMW)
GWM Utama Rupiah Rupiah Main GWM
Primer 4,46 6,49 (2,03) Primary
Penyangga Likuiditas Makroprudensial
19,44 25,13 (5,69) Macroprudential Liquidity Buffer (PLM)
(PLM)
Retun on Asset (ROA) Return on Assets (ROA)
OK BANK mencatatkan rasio return on asset sebesar 1,70% OK BANK recorded a return on assets (ROA) ratio of 1.70% in
pada tahun 2025, meningkat sebesar 1,09 poin persentase 2025, representing an increase of 1.09 percentage points (pp)
(pp) dari tahun 2024 sebesar 0,61%. Kondisi ini terutama from 0.61% in 2024. This condition was primarily influenced
dipengaruhi oleh peningkatan laba bersih yang mendorong This condition was primarily influenced by an increase in net
pertumbuhan profitabilitas aset secara keseluruhan. income, which drove overall asset profitability growth.
Return on Equity (ROE) Return on Equity (ROE)
OK BANK mencatatkan rasio return on equity sebesar 4,35% OK BANK recorded a return on equity ratio of 4.35% in 2025,
pada tahun 2025, meningkat sebesar 2,94 pp dari tahun increasing by 2.94 pp from 1.41% in 2024. This condition
2024 sebesar 1,41%. Kondisi ini terutama dipengaruhi was primarily influenced by growth in net income, which
oleh pertumbuhan laba bersih yang memperkuat rasio strengthened the return on equity ratio for Shareholders.
pengembalian terhadap ekuitas Pemegang Saham.
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Margin Bunga Bersih (NIM) Net Interest Margin (NIM)
OK BANK mencatatkan rasio margin bunga bersih sebesar OK BANK recorded a net interest margin ratio of 5.67%
5,67% pada tahun 2025, meningkat sebesar 0,09 pp dari tahun in 2025, increasing by 0.09 pp from 5.58% in 2024.
2024 sebesar 5,58%. Kondisi ini terutama dipengaruhi oleh This condition was primarily influenced by the increase in
peningkatan pendapatan bunga bersih Bank. the Bank’s net interest income.
Biaya Operasional terhadap Pendapatan Operating Expenses to Operating Income (BOPO)
Operasional (BOPO)
OK BANK mencatatkan rasio biaya operasional terhadap OK BANK recorded its operating expenses to operating income
pendapatan operasional (BOPO) sebesar 82,71% pada (BOPO) ratio of 82.71% in 2025, decreasing by 10.93 pp from
tahun 2025, menurun sebesar 10,93 pp dari tahun 2024 93.64% in 2024. This condition was mainly influenced by
sebesar 93,64%. Kondisi ini terutama dipengaruhi oleh improved operational efficiency, which reduced the Bank’s
peningkatan efisiensi operasional yang menurunkan biaya operating expenses.
operasional Bank.
Rasio Kredit terhadap Pendanaan Loan-to-Funding Ratio
OK BANK mencatatkan rasio kredit terhadap pendanaan OK BANK recorded a loan to funding ratio of 128.99% in 2025,
sebesar 128,99% pada tahun 2025, menurun sebesar 3,31 decreasing by 3.31 pp from 132.30% in 2024. This condition
pp dari tahun 2024 sebesar 132,30%. Kondisi ini terutama was primarily influenced by the higher growth in Third-Party
dipengaruhi oleh peningkatan Dana Pihak Ketiga (DPK) yang Funds (DPK) compared to credit growth, as well as the Bank’s
lebih tinggi secara proporsional dari pertumbuhan kredit dan efforts to maintain a sustainable balance between credit
upaya Bank dalam mengelola keseimbangan antara ekspansi expansion and funding growth.
kredit serta pertumbuhan pendanaan secara berkelanjutan.
Rasio NPL NPL Ratio
OK BANK mencatatkan rasio NPL sebesar 2,50% pada OK BANK recorded an NPL ratio of 2.50% in 2025, increasing
tahun 2025, meningkat sebesar 0,01 pp dari tahun 2024 by 0.01 pp from 2.49% in 2024. This condition was primarily
sebesar 2,49%. Kondisi ini terutama dipengaruhi oleh adanya influenced by a slight decline in credit quality, however,
sedikit penurunan kualitas kredit, akan tetapi Bank sudah the Bank has made adequate reserves, resulting in a well-
melakukan pencadangan yang memadai sehingga NPL Neto maintained Net NPL position.
berada pada kondisi yang baik.
Kemampuan Membayar Utang Debt Service Ability
Kemampuan membayar utang merupakan salah satu aspek Debt service ability is one of the important aspects in
penting dalam menilai kesehatan keuangan OK BANK. Penilaian assessing OK BANK's financial soundness. This assessment
ini umumnya dilakukan melalui pengukuran rasio likuiditas, is generally conducted through the measurement of
yang menggambarkan kemampuan OK BANK dalam memenuhi liquidity ratios, which illustrate OK BANK's ability to meet its
kewajiban jangka pendek dengan menggunakan aset lancar short-term obligations using its current assets. Liquidity ratio
yang dimiliki. Rasio likuiditas memberikan gambaran apakah provides an overview of whether OK BANK has sufficient and
OK BANK memiliki dana yang cukup dan mudah dicairkan readily liquid funds to settle debts that are about to mature,
untuk membayar utang yang segera jatuh tempo, sehingga thereby reflecting the level of security and smoothness of
mencerminkan tingkat keamanan dan kelancaran operasional short-term operations.
dalam jangka pendek.
Selain rasio likuiditas, kemampuan membayar utang In addition to liquidity ratio, debt service ability is also
juga dianalisis menggunakan rasio solvabilitas. Rasio ini analyzed using solvency ratios. These ratios indicate
menunjukkan kemampuan OK BANK dalam memenuhi seluruh OK BANK's ability to meet all of its obligations, both
kewajibannya, baik jangka pendek maupun jangka panjang, short-term and long-term, by comparing total assets
dengan melihat perbandingan antara jumlah aset dan jumlah with total liabilities. Through solvency ratios, it can be
utang. Melalui rasio solvabilitas, dapat diketahui sejauh mana determined to what extent OK BANK's capital structure is
struktur permodalan OK BANK mampu menopang beban utang able to support its existing debt burden. By combining these
yang ada. Dengan mengombinasikan kedua rasio tersebut, two ratios, the assessment of debt service ability becomes
penilaian terhadap kemampuan membayar utang menjadi more comprehensive and thorough.
lebih komprehensif dan menyeluruh.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Informasi mengenai perhitungan rasio-rasio tersebut diuraikan Information regarding the calculation of these ratios is outlined
sebagai berikut: as follows:
TABEL RASIO LIKUIDITAS DAN RASIO SOLVABILITAS 2024-2025
Table of Liquidity Ratio and Solvency Ratio 2024-2025
(dalam % / in %)
Uraian 2025 2024 Description
Rasio Likuiditas
Liquidity Ratio
Pinjaman yang Diberikan terhadap Simpanan dari
128,99 132,30 Loan to Deposit Ratio (LDR)
Nasabah (LDR)
Net Stable Funding Ratio (NSFR) 131,42 129,16 Net Stable Funding Ratio (NSFR)
Liquidity Coverage Ratio (LCR) 345,71 127,36 Liquidity Coverage Ratio (LCR)
Rasio Dana Murah (CASA) 23,27 23,63 Current Account Saving Account (CASA)
Rasio Solvabilitas
Solvency Ratio
Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) 42,21 46,83 Capital Adequacy Ratio (CAR)
Liabilitas terhadap Aset 71,70 69,37 Debt to Assets
Liabilitas terhadap Ekuitas 253,33 226,50 Debt to Equity
Tingkat Kolektibilitas Piutang Receivables Collectability Level
Perkembangan tingkat kolektibilitas piutang OK BANK pada The development of OK BANK’s receivables collectability
tahun ini menunjukkan kondisi yang relatif stabil. Hal ini level this year indicates a relatively stable condition. This is
terlihat dari menurunnya rasio NPL Neto dan sedikitnya reflected in the decrease in the Net NPL ratio and the slight
peningkatan pada NPL Bruto dibandingkan tahun sebelumnya. increase in the Gross NPL compared to the previous year.
NPL Bruto pada tahun 2025 sebesar 2,50% dan tahun 2024 Gross NPL stood at 2.50% in 2025, compared to 2.49% in 2024.
sebesar 2,49%. Sementara, NPL Neto pada tahun 2025 sebesar Meanwhile, Net NPL was 1.22% in 2025, down from 1.45% in
1,22% dan tahun 2024 sebesar 1,45%. Hasil NPL tersebut 2024. These NPL results reflect well-maintained receivables
mencerminkan kualitas pengelolaan piutang yang tetap management quality, along with increased effectiveness in
terjaga dengan baik, disertai peningkatan efektivitas dalam credit risk mitigation, thereby optimizing the ability to collect
mitigasi risiko kredit, sehingga kemampuan penagihan dan and control problem financing.
pengendalian pembiayaan bermasalah semakin optimal.
Kebijakan Struktur Modal Capital Structure Policy
Kebijakan struktur modal OK BANK disusun untuk memastikan OK BANK's capital structure policy is formulated to ensure
ketersediaan modal yang memadai dalam mendukung kegiatan the availability of adequate capital to support business
usaha dan menjaga tingkat kesehatan OK BANK secara activities and maintain OK BANK's soundness on a sustainable
berkelanjutan. Kebijakan ini dirancang dengan mempertimbangkan basis. This policy is designed by considering business
kebutuhan pengembangan bisnis, profil risiko, dan ketentuan development needs, risk profile, and applicable regulatory
regulator yang berlaku, sehingga struktur permodalan yang requirements, so that the capital structure remains balanced
dimiliki tetap seimbang dan mampu menopang pertumbuhan and capable of supporting prudent business growth.
usaha secara prudent.
Dalam pelaksanaannya, Direksi OK BANK menyusun rencana In its implementation, OK BANK's Board of Directors
permodalan sebagai bagian yang tidak terpisahkan dari prepares a capital plan as an integral part of the Bank’s
Rencana Bisnis Bank (RBB). Rencana tersebut memuat Business Plan (RBB). The plan contains projections of capital
proyeksi kebutuhan modal dalam jangka waktu tertentu dan requirements over a certain period and the financing strategies
strategi pembiayaan yang akan ditempuh untuk memenuhi to be pursued to meet those requirements. All planning is
kebutuhan tersebut. Seluruh perencanaan dilakukan secara carried out in a measured manner and aligned with OK BANK's
terukur dan disesuaikan dengan arah strategis OK BANK agar strategic direction to ensure that capital utilization is effective
penggunaan modal dapat berjalan efektif dan efisien. and efficient.
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Rencana permodalan yang telah disusun selanjutnya diajukan The prepared capital plan is subsequently submitted to
kepada Dewan Komisaris untuk memperoleh persetujuan the Board of Commissioners for approval and oversight.
dan pengawasan. Dengan posisi modal inti yang berada di With core capital positioned below Rp6 trillion, OK BANK is
bawah Rp6 triliun, OK BANK diklasifikasikan dalam Kelompok classified under Core Capital Bank Group (KBMI) 1. This
Bank berdasarkan Modal Inti (KBMI) 1. Klasifikasi ini menjadi classification serves as one of the bases for determining
salah satu dasar dalam penetapan kebijakan struktur modal, the capital structure policy, ensuring that capital planning
sehingga perencanaan dan pengelolaan permodalan tetap and management remain aligned with the Bank’s scale of
sejalan dengan skala usaha dan ketentuan yang berlaku. operations and applicable regulations.
Rincian Struktur Modal Capital Structure Details
Berdasarkan Peraturan Bank Indonesia, modal OK BANK terdiri Based on Bank Indonesia regulations, OK BANK's capital
dari: consists of the following:
1. Modal Inti 1. Core Capital
Modal inti merupakan unsur utama permodalan OK BANK Core capital is the main component of OK BANK's capital,
yang berperan sebagai penopang kekuatan keuangan dan serving as the foundation of its financial strength, and
terdiri atas Modal Inti Utama (Common Equity Tier 1/CET 1) consists of Common Equity Tier 1 (CET 1) and Additional
dan Modal Inti Tambahan (Additional Tier 1). Modal inti Tier 1 capital. Common Equity Tier 1 includes paid-in
utama mencakup modal disetor dan cadangan tambahan capital and additional capital reserves (disclosed reserves)
modal (disclose reserve) yang berasal dari unsur penambah, derived from capital additions, such as agio, general
seperti agio saham, cadangan umum, laba tahun reserves, retained earnings from previous years, profit for
sebelumnya, laba tahun berjalan, dan opsi saham, setelah the year, and stock options, after calculating deduction
memperhitungkan unsur pengurang. Unsur pengurang items. These deductions include, among others, other
tersebut antara lain kerugian komprehensif lainnya yang comprehensive losses arising from financial asset
timbul dari transaksi aset keuangan yang diklasifikasikan transactions classified as available for sale, shortfall
sebagai tersedia untuk dijual, selisih kurang antara between Allowance for Asset Losses (PPA) on earning
Penyisihan Penghapusan Aset (PPA) atas aset produktif assets and Allowance for Impairment Losses, as well
dengan Cadangan Kerugian Penurunan Nilai, dan PPA atas as PPA on non-earning assets. Overall, core capital reflects
aset non-produktif, sehingga secara keseluruhan modal OK BANK's ability to absorb risks and maintain capital
inti mencerminkan kemampuan OK BANK dalam menyerap stability.
risiko dan menjaga stabilitas permodalan.
Di akhir tahun 2025, Modal Inti yang dimiliki oleh At the end of 2025, OK BANK's Core Capital amounted
OK BANK sebesar Rp3.763,62 miliar, meningkat 5,39% to Rp3,763.62 billion, an increase of 5.39% or rising by
atau bertambah sebesar Rp192,51 miliar dibandingkan Rp192.51 billion compared to Core Capital in 2024 of
Modal Inti di tahun 2024 sebesar Rp3.571,11 miliar. Rp3,571.11 billion.
2. Modal Pelengkap (Maksimum 100% dari Modal Inti) 2. Supplementary Capital (Maximum 100% of Core Capital)
Modal pelengkap merupakan bagian dari struktur Supplementary capital is a part of the capital structure that
permodalan yang berfungsi untuk memperkuat kemampuan functions to strengthen OK BANK's capacity to absorb risks.
OK BANK dalam menanggung risiko. Komponen modal ini The components of this capital include general reserves
mencakup cadangan umum PPA atas aset produktif yang for PPA on earning assets, which are recognized up to
diperhitungkan dengan batas maksimum sebesar 1,25% a maximum limit of 1.25% of RWA for Credit Risk, as well
dari ATMR untuk Risiko Kredit dan Cadangan Tujuan yang as Specific Purpose Reserves established in accordance
dibentuk sesuai dengan ketentuan yang berlaku. with applicable regulations.
TABEL PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM 2024-2025
Table of the Calculation of Minimum Capital Adequacy Requirement 2024-2025
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Modal Inti (Tier 1) 3.763.622 3.571.113 192.509 5,39 Core Capital (Tier 1)
Modal Pelengkap (Tier 2) 100.303 85.420 14.883 17,42 Supplementary Capital (Tier 2)
Jumlah Modal 3.863.925 3.656.533 207.392 5,67 Total Capital
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Aset Tertimbang Rata menurut Credit, Operational, Market
9.155.699 7.807.873 1.347.826 17,26
Risiko Kredit, Operasional, Pasar Risk-Weighted Assets
Rasio KPMM (%) 42,21 46,83 (4,62) (10,95) CAR Ratio (%)
Ikatan Material untuk Investasi Barang Material Commitment for Capital Goods
Modal Investment
Merujuk pada POJK Nomor 17/POJK.04/2020 tentang Referring to POJK Number 17/POJK.04/2020 on Material
Transaksi Material dan Perubahan Kegiatan Usaha, Transactions and Changes in Business Activities,
Pasal 3 ayat (1) menjelaskan bahwa suatu transaksi Article 3 paragraph (1) stipulates that a transaction is
dikategorikan sebagai material apabila nilai transaksinya categorized as material if its value reaches or exceeds 20% of
mencapai atau melebihi 20% dari ekuitas Perusahaan Terbuka. the equity of a Public Company. Throughout 2025, OK BANK
Sepanjang tahun 2025, OK BANK tidak melakukan investasi did not make any capital goods investments that fell within
barang modal yang termasuk dalam kategori material. Seluruh the category of material transactions. All capital goods
investasi barang modal yang dilakukan telah sesuai dengan investments undertaken were in accordance with the budget
anggaran yang telah ditetapkan oleh OK BANK. Dengan approved by OK BANK. Accordingly, OK BANK does not
demikian, OK BANK tidak menyajikan informasi mengenai present information regarding the purpose of any material
tujuan ikatan material terkait investasi barang modal sumber commitments related to capital goods investments,
dana yang diharapkan untuk memenuhi ikatan tersebut, the expected sources of funds to fulfill such commitments,
mata uang yang menjadi denominasi, serta langkah yang the currency denominations involved, or the measures planned
direncanakan untuk melindungi risiko dari posisi mata uang to hedge foreign exchange risks arising from the related foreign
asing yang terkait. currency positions.
Investasi Barang Modal yang Direalisasikan Capital Goods Investment Realized in
pada Tahun Buku 2025 the 2025 Financial Year
Tujuan Investasi Barang Modal Purpose of Capital Goods Investment
OK BANK merealisasikan investasi barang modal secara OK BANK realized its capital goods investments on
berkesinambungan dengan tujuan untuk mendukung an ongoing basis to support improvements in service quality
peningkatan kualitas layanan kepada nasabah sekaligus for customers while strengthening OK BANK's operational
memperkuat efisiensi operasional dan daya saing efficiency and competitiveness. Through strategic and
OK BANK. Melalui pengelolaan aset yang bersifat strategis dan sustainable asset management, these investments are
berkelanjutan, investasi ini diarahkan pada pengembangan directed toward technological infrastructure development,
infrastruktur teknologi, perluasan digitalisasi layanan, dan service digitalization expansion, and operational system
penyempurnaan serta optimalisasi sistem operasional. Dengan enhancement and optimization. Through these initiatives, it
langkah tersebut, diharapkan kinerja operasional menjadi lebih is expected that operational performance be more effective,
efektif, proses bisnis semakin andal, dan kemampuan dalam business process be more reliable, and the Bank’s ability to
memenuhi kebutuhan nasabah dapat terus ditingkatkan continuously meet customer needs be further enhanced on
secara berkesinambungan. a sustainable basis.
Jenis dan Nilai Investasi Types and Value of Investment
Pada tahun 2025, OK BANK merealisasikan investasi barang In 2025, OK BANK realized its capital goods
modal senilai Rp17,63 miliar, meningkat sebesar 268,68% investments amounting to Rp17.63 billion, representing
dibandingkan tahun 2024 sebesar Rp4,78 miliar. Investasi an increase of 268.68% compared to that of 2024, which
barang modal ini sebagian besar dialokasikan untuk amounted to Rp4.78 billion. These capital goods investments
penambahan aset tetap serta pengembangan teknologi were largely allocated to additional fixed assets and information
informasi guna meningkatkan layanan perbankan OK BANK. technology development to enhance OK BANK's banking services.
Informasi mengenai jenis dan nilai investasi barang modal Information on the types and values of capital expenditure
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yang dilakukan OK BANK selama 2 (dua) tahun terakhir diuraikan investments made by OK BANK over the past 2 (two) years is
sebagai berikut: presented as follows:
TABEL INVESTASI BARANG MODAL 2024-2025
Table of Capital Goods Investment in 2024-2025
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Inventaris Kantor 537 983 (446) (45,37) Office Inventory
Peralatan Kantor 2.947 389 2.558 657,58 Office Equipment
Kendaraan 92 524 (432) (82,44) Vehicle
Aset dalam Penyelesaian 793 1.371 (578) (42,16) Asset under Progress
Aset Tak Berwujud 13.265 1.516 11.749 775,00 Intangible Assets
Jumlah Investasi Barang Modal 17.634 4.783 12.851 268,68 Total Capital Goods Investment
Perbandingan Target dan Realisasi Comparison of Target and Realization
[POJK F.2] [POJK F.2]
Uraian mengenai perbandingan antara target dan realisasi Details on comparison between targets and realization
disajikan untuk memberikan gambaran mengenai tingkat are presented to provide an overview of the established
pencapaian kinerja yang telah ditetapkan. Melalui perbandingan performance target’s achievement level. Such comparison can
ini, dapat diketahui sejauh mana rencana dan sasaran yang telah determine to what extent the plans and objectives formulated
dirumuskan dapat diwujudkan dalam pelaksanaannya, sekaligus have been realized, while also identifying any gaps between
mengidentifikasi kesenjangan yang terjadi antara perencanaan the plan and actual results as a basis for future evaluation and
dan hasil aktual sebagai dasar evaluasi dan perbaikan ke depan. improvement. Information regarding the comparison between
Informasi mengenai perbandingan target dan realisasi kinerja operational performance targets and realizations of OK BANK
operasional OK BANK diuraikan sebagai berikut: is presented as follows:
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
2025
Pencapaian
Uraian Achievement Description
Realisasi
Target (%)
Realization
Keuangan
Finance
Aset 12.551.999 13.417.628 106,90 Assets
Kredit 10.200.184 10.734.810 105,24 Loans
DPK 8.025.000 8.174.482 101,86 Third-Party Funds
Giro 1.150.000 1.387.258 120,63 Current Account
Tabungan 450.000 515.318 114,52 Savings
Deposito 5.516.316 6.271.906 113,70 Time Deposits
Simpanan dari Bank Lain 908.684 803.889 88,47 Deposits from Other Banks
Pendapatan Bunga – Bersih 654.521 688.876 105,25 Interest Income – Net
Laba Setelah Pajak 103.872 159.975 154,01 Income After Tax
Dalam Persentase (%)
In Percentage (%)
CAR 44,39 42,21 95,09 CAR
NIM 5,43 5,67 104,43 NIM
ROE 2,83 4,35 153,96 ROE
ROA 1,13 1,70 150,18 ROA
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
2025
Pencapaian
Uraian Achievement Description
Realisasi
Target (%)
Realization
LFR (LDR) 139,20 128,99 92,67 LFR (LDR)
BOPO 88,35 82,71 93,62 BOPO
NPL Gross 2,48 2,50 100,81 NPL Gross
NPL Netto 1,39 1,22 87,42 NPL Netto
Struktur Modal
Capital Structure
Rasio KPMM (%) 44,39 42,21 5,16 CAR Ratio (%)
Kebijakan Dividen
Dividend Policy
OK BANK tidak menetapkan target khusus mengenai nominal pembayaran dividen yang akan dibagikan untuk tahun 2024 dan 2025. Pembagian
dividen akan ditentukan berdasarkan Anggaran Dasar OK BANK, keputusan Pemegang Saham melalui Rapat Umum Pemegang Saham, serta
bergantung pada berbagai indikator keuangan dan permodalan OK BANK.
OK BANK did not set a specific target on the dividend amount to be distributed for 2024 and 2025. Dividend distribution would be determined based
on OK BANK's Articles of Association, Shareholders’ resolutions through the General Meeting of Shareholders, and would depend on various financial
and capital indicators of OK BANK.
Proyeksi 2026 2026 Projection
OK BANK telah menyusun RBB 2026 dan telah disampaikan OK BANK has prepared the 2026 RBB and has submitted
kepada OJK. OK BANK menggunakan sejumlah asumsi dalam it to OJK. In preparing the RBB, OK BANK applied several
rangka menyusun RBB tersebut sebagaimana diuraikan berikut: assumptions as outlined below:
TABEL ASUMSI DAN PROYEKSI 2026
Table of Assumption and Projection for 2026
(dalam %, kecuali dinyatakan lain / in %, unless otherwise stated)
Proyeksi 2026
Asumsi Assumption
2026 Projection
Asumsi Makro
Macro-Assumption
Pertumbuhan PDB 5,10 GDP Growth
Inflasi 2,70 Inflation
Kurs USD (Rupiah per Dolar AS) 16.500 USD Exchange Rate (Rupiah per US Dollar)
BI 7D Rate 4,75 BI 7D Rate
Asumsi Mikro
Micro-Assumption
Pertumbuhan Kredit 9,50 Credit Growth
Pertumbuhan Dana Pihak Ketiga 10,00 Third-Party Fund Growth
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Berdasarkan asumsi tersebut, OK BANK menetapkan Based on the assumption, OK BANK has set targets/projection
target/proyeksi kinerja tahun 2026 sebagai berikut: of performance for 2026 as follows:
TABEL PROYEKSI 2026
Table of Projection for 2026
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Proyeksi 2026
Uraian Description
2026 Projection
Keuangan
Finance
Aset 14.456.707 Assets
Kredit 11.757.446 Credit
DPK 9.066.470 Third-Party Funds
Giro 1.300.000 Current Accounts
Tabungan 520.000 Savings
Deposito 7.246.470 Time Deposits
Simpanan dari Bank Lain 808.530 Deposits from Other Banks
Pendapatan Bunga – Bersih 835.585 Interest Income – Net
Laba Setelah Pajak 187.128 Profit After Tax
Dalam Persentase (%)
In Percentage (%)
CAR 40,27 CAR
NIM 5,95 NIM
ROE 4,84 ROE
ROA 1,71 ROA
LFR (LDR) 127,35 LFR (LDR)
BOPO 82,78 Operating Expenses to Operating Income
NPL Gross 2,40 NPL Gross
NPL Netto 1,32 NPL Netto
Struktur Modal
Capital Structure
Rasio KPMM (%) 40,27 CAR (%)
Kebijakan Dividen
Dividend Policy
OK BANK tidak menetapkan proyeksi khusus mengenai nominal pembayaran dividen yang akan dibagikan untuk tahun 2025 dan 2026. Pembagian
dividen akan ditentukan berdasarkan Anggaran Dasar OK BANK, keputusan Pemegang Saham melalui Rapat Umum Pemegang Saham, serta
bergantung pada berbagai indikator keuangan dan permodalan OK BANK.
OK BANK does not set any specific projections on the dividend amount to be distributed for 2025 and 2026. Dividend distributions will be determined
based on OK BANK's Articles of Association, Shareholders’ resolution through the General Meeting of Shareholders, and will also depend on various
financial and capital indicators of OK BANK.
Kebijakan Dividen Dividend Policies
Kebijakan dividen OK BANK ditetapkan dengan OK BANK's dividend policy is determined by considering
mempertimbangkan keseimbangan antara kepentingan a balance between the interests of shareholders and the need
Pemegang Saham dan kebutuhan penguatan permodalan. to strengthen capital. Decisions on dividend distribution
Penentuan pembagian dividen dilakukan dengan consider the Bank’s financial performance, profitability level,
memperhatikan kinerja keuangan, tingkat profitabilitas, liquidity condition, and capital adequacy, while remaining in
kondisi likuiditas, dan kecukupan modal OK BANK, sekaligus compliance with applicable regulations. Through this policy,
tetap mengacu pada ketentuan regulator yang berlaku. Melalui OK BANK seeks to provide reasonable returns to shareholders
kebijakan ini, OK BANK berupaya memberikan imbal hasil yang without compromising its ability to support business
wajar kepada Pemegang Saham tanpa mengurangi kemampuan growth and maintain long-term financial stability.
OK BANK dalam mendukung pertumbuhan usaha dan menjaga
stabilitas keuangan jangka panjang.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Pada tahun 2024 dan 2025, OK BANK tidak membagikan dividen kepada para Pemegang Saham. Dengan demikian, OK BANK tidak
menyajikan informasi mengenai persentase jumlah dividen yang dibagikan terhadap laba bersih, tanggal pembayaran dividen kas
dan distribusi dividen non-kas, jumlah dividen per saham, serta jumlah dividen per tahun yang dibayar.
Realisasi Penggunaan Dana Hasil Penawaran Umum
OK BANK telah menyampaikan laporan mengenai realisasi penggunaan dana yang diperoleh dari penawaran umum sesuai dengan
ketentuan yang diatur dalam POJK Nomor 30/POJK.04/2015 tanggal 16 Desember 2015 tentang Laporan Realisasi Penggunaan
Dana Hasil Penawaran Umum.
Penawaran Umum Perdana Saham (IPO)
Dana hasil Penawaran Umum Perdana (Initial Public Offering/IPO) telah terealisasi seluruhnya sebagaimana Laporan Realisasi
Penggunaan Dana per Desember 2020 dan telah dilaporkan pada Rapat Umum Pemegang Saham tanggal 8 Mei 2020.
Nilai Realisasi Hasil Penawaran Umum
Realization Value of Public Offering Proceeds
Jenis Penawaran Umum Tanggal Efektif Biaya
No. Jumlah Hasil
Type of Public Offering Effective Date Penawaran
Penawaran Hasil Bersih
Umum
Umum Net Profit
Public Offering
Total Proceeds
Cost
Penawaran Umum Saham Perdana 11 Juli 2014
1. 55.000.000.000 4.828.000.000 50.172.000.000
Initial Public Offering July 11, 2014
Jumlah
55.000.000.000 4.828.000.000 50.172.000.000
Total
Penawaran Umum Terbatas (PUT) I dengan Hak Memesan Efek Terlebih Dahulu (HMETD)
Dana hasil PUT I telah terealisasi seluruhnya sebagaimana Laporan Realisasi Penggunaan Dana per Desember 2020 dan telah
dilaporkan pada Rapat Umum Pemegang Saham tanggal 5 Mei 2021.
Nilai Realisasi Hasil Penawaran Umum
Realization Value of Public Offering Proceeds
Jenis Penawaran Umum Tanggal Efektif Biaya
No. Jumlah Hasil
Type of Public Offering Effective Date Penawaran
Penawaran Hasil Bersih
Umum
Umum Net Profit
Public Offering
Total Proceeds
Cost
Penawaran Umum dengan Memberikan
HMETD 19 Desember 2019
1. 499.353.607.739 1.550.808.000 497.802.799.739
Public Offering with Pre-Emptive Rights December 19, 2019
(HMETD)
Jumlah
499.353.607.739 1.550.808.000 497.802.799.739
Total
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In 2024 and 2025, OK BANK did not distribute dividends to its shareholders. Accordingly, OK BANK does not present information
on the percentage of dividends distributed relative to net profit, cash dividend payment dates and non-cash dividend distributions,
dividends per share, or the total dividends paid per year.
Realization of the Use of Public Offering Proceeds
OK BANK has submitted reports on the realization of the use of proceeds obtained from the public offering in as per the provisions
stipulated in POJK Number 30/POJK.04/2015 dated December 16, 2015, on the Report on the Realization of the Use of Proceeds
from Public Offerings.
Initial Public Offering (IPO)
The proceeds from the Initial Public Offering (IPO) had been fully utilized as stated in the Report on the Realization of the Use of
Proceeds as of December 2020 and had been reported at the General Meeting of Shareholders on May 8, 2020.
Rencana Penggunaan Realisasi Penggunaan Dana
Sisa Dana Hasil
Usage Plan Realization of Fund Usage
Penawaran
Umum
Ekspansi Jaringan Ekspansi Jaringan Outstanding
Kredit Kantor Jumlah Kredit Kantor Jumlah Proceeds from
Credit Office Total Credit Office Total Initial Public
Expansion Network Expansion Network Offering
37.629.000.000 12.543.000.000 50.172.000.000 37.629.000.000 12.543.000.000 50.172.000.000 -
37.629.000.000 12.543.000.000 50.172.000.000 37.629.000.000 12.543.000.000 50.172.000.000 -
Limited Public Offering (PUT) I with Pre-Emptive Rights (HMETD)
The proceeds from PUT I had been fully utilized as stated in the Report on the Realization of the Use of Proceeds as of December
2020 and had been reported at the General Meeting of Shareholders on May 5, 2021.
Rencana Penggunaan Realisasi Penggunaan Dana
Sisa Dana Hasil
Usage Plan Realization of Fund Usage
Penawaran
Umum
Ekspansi Jaringan Ekspansi Jaringan Outstanding
Kredit Kantor Jumlah Kredit Kantor Jumlah Proceeds from
Credit Office Total Credit Office Total Initial Public
Expansion Network Expansion Network Offering
497.802.799.739 497.802.799.730 497.802.799.739 497.802.799.739 497.802.799.730 497.802.799.739 -
497.802.799.739 497.802.799.730 497.802.799.739 497.802.799.739 497.802.799.730 497.802.799.739 -
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Penawaran Umum Terbatas (PUT) II dengan Hak Memesan Efek Terlebih Dahulu (HMETD)
Dana hasil PUT II telah terealisasi seluruhnya sebagaimana Laporan Realisasi Penggunaan Dana per Juni 2021 dan telah dilaporkan
pada Rapat Umum Pemegang Saham tanggal 11 Mei 2022.
Nilai Realisasi Hasil Penawaran Umum
Realization Value of Public Offering Proceeds
Jenis Penawaran Umum Tanggal Efektif Biaya
No. Jumlah Hasil
Type of Public Offering Effective Date Penawaran
Penawaran Hasil Bersih
Umum
Umum Net Profit
Public Offering
Total Proceeds
Cost
Penawaran Umum dengan Memberikan
HMETD 2 November 2020
1. 499.678.580.838 1.086.976.244 498.591.604.594
Public Offering with Pre-Emptive Rights November 2, 2020
(HMETD)
Jumlah
499.678.580.838 1.086.976.244 498.591.604.594
Total
Penawaran Umum Terbatas (PUT) III dengan Hak Memesan Efek Terlebih Dahulu (HMETD)
Dana hasil PUT III telah terealisasi seluruhnya sebagaimana Laporan Realisasi Penggunaan Dana per April 2022 dan telah dilaporkan
pada Rapat Umum Pemegang Saham tanggal 11 Mei 2022.
Nilai Realisasi Hasil Penawaran Umum
Realization Value of Public Offering Proceeds
Jenis Penawaran Umum Tanggal Efektif Biaya
No. Jumlah Hasil
Type of Public Offering Effective Date Penawaran
Penawaran Hasil Bersih
Umum
Umum Net Profit
Public Offering
Total Proceeds
Cost
Penawaran Umum dengan Memberikan
HMETD 14 Oktober 2021
1. 499.827.827.115 1.065.736.985 498.762.090.730
Public Offering with Pre-Emptive Rights October 14, 2021
(HMETD)
Jumlah
499.827.827.115 1.065.736.985 498.762.090.730
Total
Penawaran Umum Terbatas (PUT) IV dengan Hak Memesan Efek Terlebih Dahulu (HMETD)
Dana hasil PUT IV telah terealisasi seluruhnya sebagaimana Laporan Realisasi Penggunaan Dana per Januari 2023 dan sudah
dilaporkan pada Rapat Umum Pemegang saham tahun 2023.
Nilai Realisasi Hasil Penawaran Umum
Realization Value of Public Offering Proceeds
Jenis Penawaran Umum Tanggal Efektif Biaya
No. Jumlah Hasil
Type of Public Offering Effective Date Penawaran
Penawaran Hasil Bersih
Umum
Umum Net Profit
Public Offering
Total Proceeds
Cost
Penawaran Umum dengan Memberikan
HMETD 19 Oktober 2021
1. 499.427.217.710 1.169.086.330 498.258.131.380
Public Offering with Pre-Emptive Rights October 19, 2021
(HMETD)
Jumlah
499.427.217.710 1.169.086.330 498.258.131.380
Total
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Limited Public Offering (PUT) II with Pre-Emptive Rights (HMETD)
The proceeds from PUT II were fully realized as stated in the Report on the Realization of the Use of Proceeds as of June 2021 and
had been reported at the General Meeting of Shareholders on May 11, 2022.
Rencana Penggunaan Realisasi Penggunaan Dana
Sisa Dana Hasil
Usage Plan Realization of Fund Usage
Penawaran
Umum
Outstanding
Ekspansi Kredit
Ekspansi Kredit Jaringan Kantor Jumlah Jumlah Proceeds from
Credit
Credit Expansion Office Network Total Total Initial Public
Expansion
Offering
498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 -
498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 -
Limited Public Offering (PUT) III with Pre-Emptive Rights (HMETD)
The proceeds from PUT III had been fully realized as stated in the Report on the Realization of the Use of Proceeds as of April 2022
and had been reported at the General Meeting of Shareholders on May 11, 2022.
Rencana Penggunaan Realisasi Penggunaan Dana
Sisa Dana Hasil
Usage Plan Realization of Fund Usage
Penawaran
Umum
Outstanding
Ekspansi Kredit
Ekspansi Kredit Jaringan Kantor Jumlah Jumlah Proceeds from
Credit
Credit Expansion Office Network Total Total Initial Public
Expansion
Offering
498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 -
498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 -
Limited Public Offering (PUT) IV with Pre-Emptive Rights (HMETD)
The proceeds from PUT IV had been fully realized as stated in the Report on the Realization of the Use of Proceeds as of January
2023 and had been reported at the General Meeting of Shareholders in 2023.
Rencana Penggunaan Realisasi Penggunaan Dana
Sisa Dana Hasil
Usage Plan Realization of Fund Usage
Penawaran
Umum
Outstanding
Ekspansi Kredit
Ekspansi Kredit Jaringan Kantor Jumlah Jumlah Proceeds from
Credit
Credit Expansion Office Network Total Total Initial Public
Expansion
Offering
498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 -
498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 -
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Informasi dan Fakta Material yang Terjadi Information and Material Facts that Occur
Setelah Tanggal Laporan Akuntan After the Date of the Accountant Report
Tidak terdapat informasi dan fakta material yang terjadi setelah There was no material information or material fact occurring
tanggal laporan akuntan. after the date of the acountant’s report.
Informasi Material Mengenai Investasi, Material Information on Investment,
Ekspansi, Divestasi, Penggabungan/Peleburan Expansions, Divestments, Business Merger,
Usaha, Akuisisi, Restrukturisasi Utang/Modal Acquisitions, or Debt/Capital Restructuring
Investasi Investment
Jumlah investasi OK BANK dalam efek-efek sepanjang 2 (dua) The amount of OK BANK's investments in securities over
tahun terakhir diuraikan sebagai berikut: the last 2 (two) years is described as follows:
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Uraian 2025 2024 Description
Rupiah
Nilai Wajar melalui Penghasilan Komprehensif Lain
Fair Value through Other Comprehensive Income
Surat Utang Negara 108.321 - Government Bonds
Sekuritas Rupiah - 131.314 Rupiah Securities
Bank Indonesia - - Bank Indonesia
Sub-Jumlah 108.321 131.314 Sub-Total
Biaya Perolehan Diamortisasi
Amortized Cost
Surat Utang Negara 980.169 902.968 Government Bonds
Obligasi Korporasi 100.000 - Corporate Bonds
Sukuk Ritel Negara 386.000 386.000 State Retail Sukuk
Sekuritas Rupiah Bank Indonesia - 85.000 Bank Indonesia Rupiah Securities
Sub-Jumlah 1.466.169 1.373.968 Sub-Total
Dolar Amerika Serikat
United States Dollar
Wesel Tagih - - Notes Receivables
Jumlah - - Total
Cadangan Kerugian Penurunan Nilai (30) - Allowance for Impairment Losses
Jumlah – Bersih 1.574.460 1.505.282 Total – Net
Selain melakukan kegiatan investasi, OK BANK tidak melakukan In addition to conducting investment activities, OK BANK does
kegiatan lain, seperti ekspansi, divestasi, penggabungan/ not engage in other activities, such as expansion, divestment,
peleburan usaha, akuisisi, atau restrukturisasi utang/modal. business mergers/consolidations, acquisitions, or debt/equity
restructuring.
Program Kepemilikan Saham oleh Karyawan Employee and/or Management Stock Option
dan/atau Manajemen (ESOP/MSOP) Programs (ESOP/MSOP)
Sepanjang tahun 2025, OK BANK tidak menyelenggarakan Throughout 2025, OK BANK did not conduct an employee
program kepemilikan saham oleh karyawan dan/atau manajemen. and/or management stock option program. This decision
Keputusan tersebut disesuaikan dengan kebijakan internal aligns with the Bank’s internal policies and strategic focus,
dan fokus strategis OK BANK, dengan tetap mengedepankan while still prioritizing other reward and incentive systems that
sistem penghargaan dan insentif lainnya yang mendukung support optimal HR performance and engagement.
kinerja serta keterlibatan SDM secara optimal.
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Informasi Transaksi Material yang Material Information that Contains
Mengandung Benturan Kepentingan dan/atau Conflict of Interest and/or Transaction
Transaksi dengan Pihak Afiliasi with Affiliated Parties
Dalam menjalankan kegiatan usaha, OK BANK menyadari In conducting its business activities, OK BANK recognizes
pentingnya menjaga integritas dan transparansi, terutama dalam the importance of maintaining integrity and transparency,
transaksi yang mengandung benturan kepentingan, transaksi particularly in transactions involving conflicts of interest,
dengan afiliasi, dan transaksi dengan pihak berelasi. OK BANK transactions with affiliates, and transactions with related
memastikan bahwa setiap keputusan yang diambil bebas dari parties. OK BANK ensures that every decision is made free
pengaruh kepentingan pribadi dan dilaksanakan berdasarkan from personal interests and is executed based on principles of
prinsip kewajaran, kehati-hatian, serta sesuai dengan ketentuan fairness, prudence, and in compliance with regulations. Special
regulator. Hubungan khusus yang dimiliki oleh pihak-pihak relationships held by certain parties do not justify preferential
tertentu tidak menjadi alasan untuk memberikan perlakuan treatment, as OK BANK is committed to implementing
istimewa, karena OK BANK berkomitmen untuk menerapkan good corporate governance and maintaining the trust of all
tata kelola perusahaan yang baik dan menjaga kepercayaan stakeholders.
seluruh pemangku kepentingan.
Informasi Transaksi Material yang Mengandung Information on Material Transactions Involving
Benturan Kepentingan Conflicts of Interest
Sepanjang tahun 2025, OK BANK tidak melakukan transaksi Throughout 2025, OK BANK did not engage in any transactions
yang mengandung benturan kepentingan. involving conflicts of interest.
Informasi Transaksi dengan Pihak Afiliasi Information on Transactions with Affiliates
Sepanjang tahun 2025, OK BANK melaksanakan 5 (lima) Throughout 2025, OK BANK carried out 5 (five) transactions
transaksi dengan pihak afiliasi. Informasi lebih lengkap with affiliates. More detailed information regarding
mengenai pelaksanaan transaksi tersebut diuraikan pada bab the implementation of this transaction is elaborated in
Tata Kelola Perusahaan dalam Laporan Tahunan dan Laporan the Corporate Governance chapter of this Annual Report
Keberlanjutan ini. and Sustainability Report.
Sementara itu, untuk transaksi material atau transaksi dengan Meanwhile, for material transactions or transactions with
pihak afiliasi yang merupakan kegiatan usaha yang dijalankan affiliates that are part of business activities carried out to
dalam rangka menghasilkan pendapatan usaha dan dijalankan generate operating income and are conducted routinely,
secara rutin, berulang, dan/atau berkelanjutan, OK BANK telah repeatedly, and/or continuously, OK BANK has disclosed them
mengungkapkannya sebagaimana penjelasan saldo dan as explained in the balances and transactions with related
transaksi dengan pihak berelasi yang tertuang dalam Catatan parties presented in the Notes to the Financial Statements,
atas Laporan Keuangan sebagaimana diuraikan berikut: as described below:
Pihak Berelasi Sifat Hubungan Sifat dari Transaksi
Related Parties Nature of Relationship Nature of Transaction
A. Kredit yang Diberikan / Loans
Dewan Komisaris, Direksi dan Pejabat Eksekutif
Karyawan Kunci B. Simpanan / Deposits
Board of Commissioners, Board of Directors,
Key Employees C. Beban Bunga / Interest Expenses
and Executive Officers
D. Pendapatan Bunga / Interest Income
Pemegang Saham Pengendali A. Simpanan / Deposits
Ok Next Co, Ltd. (dahulu APRO Financial Co, Ltd.)
Controlling Shareholders B. Beban Bunga / Interest Expenses
Dimiliki oleh Pemegang Saham Akhir yang Sama A. Kredit yang Diberikan / Loans
PT Oke Asset Indonesia
Owned by the Same Ultimate Shareholder B. Simpanan / Deposits
Dimiliki oleh Pemegang Saham Akhir yang Sama A. Simpanan / Deposits
PT Oke Investment Indonesia
Owned by the Same Ultimate Shareholder B. Beban Bunga / Interest Expenses
Dimiliki oleh Pemegang Saham Akhir yang Sama A. Simpanan / Deposits
PT PTOP Indonesia
Owned by the Same Ultimate Shareholder B. Beban Bunga / Interest Expenses
Rincian transaksi pihak berelasi terdapat dalam catatan 36 dalam The details of related party transactions are provided in Note 36
Laporan Keuangan Tahun 2025 yang telah Diaudit yang terdapat of the Audited Financial Statements for the Year 2025, which
dalam Laporan Tahunan dan Laporan Keberlanjutan ini. are included in this Annual Report and Sustainability Report.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Kewajaran Transaksi Fairness of Transactions
Dalam melaksanakan transaksi dengan pihak afiliasi, In conducting transactions with affiliates, OK BANK always
OK BANK senantiasa menjunjung prinsip kewajaran dan tidak upholds the principle of fairness and does not have any specific
memiliki tujuan khusus yang dapat berpotensi melanggar intent that could potentially violate applicable regulations. All
ketentuan peraturan yang berlaku. Seluruh transaksi dilakukan transactions are conducted independently and on equal terms,
secara independen dan setara, sebagaimana transaksi pada as with general arm’s-length transactions.
umumnya (arm’s length transaction).
Pemenuhan Peraturan dan Ketentuan Terkait Compliance with Related Regulations and
Provisions
Seluruh transaksi yang melibatkan pihak afiliasi dilaksanakan All transactions involving affiliates are carried out in accordance
sesuai dengan ketentuan standar akuntansi yang berlaku, with the applicable accounting standards, particularly PSAK
khususnya PSAK Nomor 7 (Revisi 2015) tentang “Pengungkapan Number 7 (Revised 2015) on “Related Party Disclosures”.
Pihak-Pihak Berelasi”. Penerapan standar ini memastikan The implementation of this standard ensures transparency
transparansi dan kepatuhan dalam setiap transaksi yang and compliance in every transaction. Throughout 2025,
dilakukan. Sepanjang tahun 2025, OK BANK tidak melakukan OK BANK did not provide funds to related parties in violation of
penyediaan dana kepada pihak berelasi yang melanggar or exceeding the LLL provisions.
maupun melebihi ketentuan BMPK.
Pernyataan Direksi dan Dewan Komisaris atas Statement of the Board of Directors and Board of
Transaksi dengan Pihak Afiliasi Commissioners on Affiliated Party Transactions
Dewan Komisaris, Direksi, dan Komite Audit menyatakan The Board of Commissioners, Board of Directors, and Audit
bahwa transaksi antara OK BANK dengan pihak afiliasi telah Committee affirm that transactions between OK BANK and its
dilakukan secara objektif dan profesional, tanpa adanya affiliates have been conducted objectively and professionally,
indikasi benturan kepentingan. Seluruh proses transaksi without any indication of conflicts of interest. All transaction
mengikuti standar praktik usaha yang umum diterapkan di processes follow standard business practices commonly
industri perbankan dan mematuhi ketentuan hukum serta applied in the banking industry and comply with applicable
peraturan yang berlaku. laws and provisions.
Transaksi Pihak Afiliasi yang Membutuhkan Affiliated Party Transactions Requiring Approval
Persetujuan dari Pemegang Saham Independen from Independent Shareholders
Sepanjang tahun 2025, tidak ada transaksi pihak afiliasi yang Throughout 2025, there were no affiliate transactions that
memerlukan persetujuan dari Pemegang Saham Independen. required approval from Independent Shareholders.
Komitmen dan Kontinjensi Commitments and Contingencies
OK BANK memiliki berbagai komitmen dan kontinjensi yang OK BANK has various commitments and contingencies
mencerminkan tanggung jawab dan potensi kewajiban di that reflect responsibilities and potential future obligations.
masa depan. Komitmen ini meliputi kesepakatan yang telah Commitments include agreements that have been promised
dijanjikan tetapi belum terealisasi, sementara kontinjensi but not yet realized, while contingencies relate to possible
berkaitan dengan kemungkinan kewajiban yang belum pasti obligations that may arise depending on certain events.
timbul tergantung pada kejadian tertentu. Pengelolaan kedua Both matters are managed carefully to ensure that their
hal tersebut dilakukan secara hati-hati untuk memastikan impact on financial and operational conditions can be
bahwa dampaknya terhadap kondisi keuangan dan operasional controlled and does not compromise OK BANK's stability.
dapat dikendalikan dan tidak mengganggu stabilitas OK BANK. Information regarding OK BANK's commitments and
Informasi mengenai komitmen dan kontinjensi OK BANK selama contingencies over the past 2 (two) years is described as
2 (dua) tahun terakhir diuraikan sebagai berikut: follows:
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(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan 2025
Growth in 2025
Uraian 2025 2024 Description
Nominal %
Komitmen
Commitment
Liabilitas Komitmen
Commitment Liabilities
Fasilitas Kredit kepada Nasabah Unused Loans Commitment
1.952.789 1.539.443 413.346 26,85
yang Belum Digunakan Granted to Customers
Jumlah Komitmen – Bersih 1.952.789 1.539.443 413.346 26,85 Total Commitment – Net
Kontinjensi
Contingencies
Tagihan Kontinjensi
Contingencies Receivables
Pendapatan Bunga dalam
61.528 58.070 3.458 5,95 Past Due Interest Receivables
Penyelesaian
Pendapatan Bunga Kredit Interest Receivables on
17.369 19.742 (2.373) (12,02)
Restrukturisasi Restructure Loans
Kredit Hapus Buku 815.396 669.538 145.858 21,78 Loan Write-Off
Jumlah Tagihan Kontinjensi 894.293 747.349 146.944 19,66 Total Contingent Receivables
Liabilitas Kontinjensi
Contingent Liabilities
Bank Garansi - - - - Bank Guarantees
Jumlah Liabilitas Kontinjensi - - - - Total Contingent Liabilities
Jumlah Kontinjensi – Bersih 894.293 747.349 146.944 19,66 Total Contingencies – Net
Informasi Keuangan yang Mengandung Financial Information Containing
Kejadian yang Sifatnya Luar Biasa dan Extraordinary and Rare Events
Jarang Terjadi
Pada tahun 2025, tidak terdapat informasi keuangan yang In 2025, there was no financial information involving
mengandung kejadian yang sifatnya luar biasa atau peristiwa extraordinary or rare events. This indicates that OK BANK's
yang bersifat jarang terjadi. Hal ini menunjukkan bahwa aktivitas operational activities and financial condition proceeded
operasional dan kondisi keuangan OK BANK berjalan secara normally and in line with routine business patterns, without
normal dan sesuai dengan pola bisnis yang rutin, tanpa adanya any disruptions or significant events that materially affected
gangguan atau peristiwa signifikan yang berdampak secara the Financial Statements.
material pada Laporan Keuangan.
Dampak Perubahan Peraturan Impact of the Amendments to Laws and
Perundang-Undangan Regulations
Perubahan peraturan perundang-undangan merupakan dinamika Amendment to laws and regulations are an unavoidable dynamic
yang tidak terelakkan dalam sistem hukum nasional dan hal ini within the national legal system and can have a significant
dapat memberikan dampak signifikan terhadap keberlangsungan impact on a company’s continuity and operations. Any
dan operasional suatu perusahaan. Setiap penyesuaian regulasi, regulatory adjustments, whether substantive or administrative,
baik yang bersifat substantif maupun administratif, menuntut require OK BANK to conduct a thorough evaluation of its
OK BANK untuk melakukan evaluasi menyeluruh terhadap business strategy, legal compliance, and corporate governance.
strategi bisnis, kepatuhan hukum, dan tata kelola perusahaan.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management discussion and analysis
Informasi mengenai perubahan peraturan perundang-undangan Information regarding amendments to laws and regulations
yang berdampak signifikan terhadap OK BANK di sepanjang that had a significant impact on OK BANK during 2025 is
tahun 2025 diuraikan sebagai berikut: described as follows:
PERATURAN OTORITAS JASA KEUANGAN YANG BERDAMPAK SIGNIFIKAN BAGI OK BANK
Financial Services Authority Regulations with Significant Impact on OK BANK
Judul Nomor Regulasi Ringkasan Dampak terhadap Kewajiban OK BANK
Title Regulation Number Summary of the Impact on OK BANK’s Obligations
Penyediaan Informasi dan Penyampaian Peraturan Anggota Dewan OK BANK wajib menyusun atau menyesuaikan ketentuan internal
Informasi untuk Pemasaran Produk dan Komisioner Otoritas Jasa dan bentuk penyediaan informasi produk dan layanan sesuai format
Layanan Jasa Keuangan Keuangan (PADK OJK) ringkasan informasi produk dan/atau layanan dan contoh iklan yang
Nomor 37/PADK.08/2025 diatur dalam ketentuan ini.
Provision of Information and Delivery of Regulation of Members OK BANK is required to prepare or adjust its internal policies and
Information for Marketing of Financial Services of the Board of the format for providing product and service information
Products and Services Commissioners of in accordance with the product and/or service information summary
the Financial Services format and sample advertisements as stipulated in this regulation.
Authority (PADK
OJK) Number 37/
PADK.08/2025
Proses Asesmen Kecukupan Likuiditas secara SEOJK OK BANK wajib menyampaikan laporan-laporan kepada OJK terkait
Internal Bagi Bank Umum Nomor 26/SEOJK.03/2025 Internal Liquidity Adequacy Assessment Process.
Internal Liquidity Adequacy Assessment SEOJK OK BANK is required to submit reports to OJK related to the Internal
Process for Commercial Banks Number 26/SEOJK.03/2025 Liquidity Adequacy Assessment Process.
Pengelolaan Rekening Bank Umum POJK Nomor 24 Tahun OK BANK wajib mengklasifikasikan rekening giro dan tabungan
2025 sebagai rekening aktif, tidak aktif, dan dormant sesuai dengan waktu
yang diatur di POJK tersebut.
Management of Commercial Bank Accounts POJK Number 24 of 2025 OK BANK is required to classify current accounts and savings
accounts as active, inactive, and dormant accounts in accordance
with the timeframes stipulated in the relevant POJK.
Pelaporan Bank Umum melalui Sistem POJK Nomor 22 Tahun OK BANK wajib menyampaikan laporan-laporan pada ketentuan
Pelaporan OJK 2025 dan SEOJK ini, yang dahulu disampaikan melalui SIPENA, untuk ke depannya
Nomor 31/SEOJK.03/2025 melalui APOLO.
Commercial Bank Reporting through the OJK POJK Number 22 of 2025 OK BANK is required to submit the reports under this regulation,
Reporting System and SEOJK which were previously submitted through SIPENA, through APOLO
Number 31/SEOJK.03/2025 in the future.
Kemudahan Akses Pembiayaan kepada Usaha POJK Nomor 19 Tahun OK BANK wajib memberikan kemudahan akses pembiayaan UMKM.
Mikro, Kecil, dan Menengah (UMKM) 2025
Ease of Access to Financing for Micro, Small, POJK Number 19 of 2025 OK BANK is required to provide ease of access to financing for
and Medium Enterprises (MSMEs) MSMEs.
Transparansi dan Publikasi Laporan Bank POJK Nomor 18 Tahun OK BANK wajib menyusun, mengumumkan, dan/atau menyampaikan
Umum 2025 dan SEOJK laporan publikasi sesuai dengan ketentuan-ketentuan ini.
Nomor 29/SEOJK.03/2025
Transparency and Publication of Commercial POJK Number 18 of 2025 OK BANK is required to prepare, announce, and/or submit publication
Bank Reports and SEOJK reports in accordance with these regulations.
Number 29/SEOJK.03/2025
Penerapan Tata Kelola Bagi Bank Umum SEOJK OK BANK wajib menyampaikan laporan penilaian sendiri atas
Nomor 14/SEOJK.03/2025 penerapan tata kelola, sesuai dengan pedoman pada SEOJK ini.
Implementation of Corporate Governance for SEOJK OK BANK is required to submit a self-assessment report on
Commercial Banks Number 14/SEOJK.03/2025 the implementation of corporate governance, in accordance with
the guidelines set out in this SEOJK.
Pengelolaan Informasi Rekam Jejak Pelaku POJK Nomor 28 Tahun OK BANK wajib mengajukan hak akses untuk menggunakan
melalui Sistem Informasi Pelaku (SIPELAKU) 2024 SIPELAKU.
Management of Track Record Information of POJK Number 28 of 2024
the Fraudulers Information System (SIPELAKU) OK BANK is required to apply for access rights to use SIPELAKU.
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PERATURAN BANK INDONESIA YANG BERDAMPAK SIGNIFIKAN BAGI OK BANK
Bank Indonesia Regulations with Significant Impact on OK BANK
Judul Nomor Regulasi Ringkasan Dampak terhadap Kewajiban OK BANK
Title Regulation Number Summary of the Impact on OK BANK’s Obligations
Kebijakan Insentif Likuiditas Makroprudensial PBI Nomor 9 Tahun 2025 OK BANK wajib memenuhi kriteria yang diatur di dalam ketentuan-
(KLM) dan PADG Nomor 27 ketentuan tersebut untuk bisa memperoleh KLM.
Tahun 2025
Macroprudential Liquidity Incentive Policy PBI Number 9 of 2025 and OK BANK is required to meet the criteria stipulated in these
(KLM) PADG Number 27 of 2025 regulations in order to obtain KLM.
Kriteria, Persyaratan, dan Penggunaan Surat PADG Nomor 18 Tahun OK BANK harus mengikuti kriteria, persyaratan, dan ketentuan
Berharga dalam Operasi Moneter 2025 penggunaan surat berharga dalam operasi moneter sesuai dengan
ketentuan ini.
Criteria, Requirements, and Use of Securities in PADG Number 18 of 2025 OK BANK must comply with the criteria, requirements, and provisions
Monetary Operations on the use of securities in monetary operations in accordance with
this regulation.
Perubahan Kedua atas PADG Nomor 17 PADG Nomor 14 Tahun OK BANK wajib memenuhi persyaratan teknis minimum proteksi
Tahun 2023 tentang Penyelenggaraan Bank 2025 infrastruktur teknologi informasi BI-FAST.
Indonesia-Fast Payment (BI-FAST)
Second Amendment to PADG Number 17 of PADG Number 14 of 2025 OK BANK is required to meet the minimum technical requirements
2023 concerning the Implementation of Bank for the protection of BI-FAST information technology infrastructure.
Indonesia-Fast Payment (BI-FAST)
Perubahan atas PADG Nomor 17 Tahun 2023 PADG Nomor 1 Tahun OK BANK wajib memiliki fraud management system yang minimal
tentang Penyelenggaraan BI-FAST 2025 mencakup teknologi sistem deteksi pada level akun dan transaksi,
yang merupakan bentuk defense first line, serta melaporkan alert
dan penolakan Customer Transaction Report (CTR) kepada Bank
Amendment to PADG Number 17 of 2023 PADG Number 1 of 2025 Indonesia.
concerning the Implementation of BI-FAST OK BANK is required to have a fraud management system that at
a minimum includes system detection technology at the account
and transaction levels, as part of the first line of defense, and to
report alerts and Customer Transaction Report (CTR) rejections to
Bank Indonesia.
PERATURAN LEMBAGA PENJAMIN SIMPANAN YANG BERDAMPAK SIGNIFIKAN BAGI OK BANK
The Indonesia Deposit Insurance Corporation Regulations with Significant Impact on OK BANK
Judul Nomor Regulasi Ringkasan Dampak terhadap Kewajiban OK BANK
Title Regulation Number Summary of the Impact on OK BANK’s Obligations
Format dan Panduan Tata Cara Penempatan Surat Edaran Lembaga OK BANK wajib mengikuti tata cara penempatan bukti kepesertaan
Bukti Kepesertaan dan Pengumuman Informasi Penjamin Simpanan dan pengumuman informasi penjaminan simpanan serta
Penjaminan Simpanan serta Laporan Penilaian (SELPS) menyampaikan kepada LPS Laporan Penilaian Sendiri Bank Peserta
Sendiri Bank Peserta Penjamin Simpanan Nomor SE-3/ADK1/2025 Penjamin Simpanan.
Format and Guidelines for the Placement of Circular Letter of the OK BANK is required to comply with the procedures for the placement
Proof of Membership and Announcement of Indonesia Deposit of proof of membership and the announcement of deposit insurance
Deposit Insurance Information, as well as the Insurance Corporation information, as well as to submit the Self-Assessment Report of
Self-Assessment Report of Member Banks of (SELPS) Number SE-3/ Member Banks of the Deposit Insurance to LPS.
the Deposit Insurance ADK1/2025
Pedoman dan Format Penyusunan Tata Cara SELPS Nomor SE-1/ OK BANK wajib mengikuti pedoman dan format penyusunan serta
Penyampaian Laporan Data Penjaminan ADK1/2025 tentang tata cara penyampaian Laporan Data Penjaminan Simpanan
Simpanan Berbasis Nasabah Bank Umum Pedoman dan Format Berbasis Nasabah Bank Umum berdasarkan ketentuan ini.
Penyusunan serta Tata
Cara Penyampaian
Laporan Data Penjaminan
Simpanan Berbasis
Nasabah Bank Umum
Guidelines and Format for the Preparation and SELPS Number OK BANK is required to comply with the guidelines and format for
Procedures for Submitting Customer-Based SE-1/ADK1/2025 on preparation and the procedures for submitting Customer-Based
Deposit Insurance Data Reports for Commercial Guidelines and Format Deposit Insurance Data Reports for Commercial Banks in accordance
Banks for Preparation and with this regulation.
Procedures for Submitting
Customer-Based Deposit
Insurance Data Reports
for Commercial Banks
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PERATURAN PUSAT PELAPORAN DAN ANALISIS TRANSAKSI KEUANGAN YANG BERDAMPAK
SIGNIFIKAN BAGI OK BANK
Indonesian Financial Transaction Reports and Analysis Center Regulation with Significant Impact
on OK BANK
Judul Nomor Regulasi Ringkasan Dampak terhadap Kewajiban OK BANK
Title Regulation Number Summary of the Impact on OK BANK's Obligations
Indikator Transaksi Keuangan Mencurigakan Surat Edaran Pusat OK BANK wajib memahami, mengidentifikasi risiko TPPU dari hasil
terkait Green Financial Crime (GFC) Pelaporan dan Analisis tindak pidana GFC, dan melaporkannya sebagai transaksi keuangan
Transaksi Keuangan mencurigakan kepada PPATK.
(PPATK) Nomor 8 Tahun
2024
Indicators of Suspicious Financial Transactions Circular Letter of the OK BANK is required to understand and identify the risk of TPPU
related to Green Financial Crime (GFC) Indonesian Financial arising from GFC predicate offenses, and to report such transactions
Transaction Reports and as suspicious financial transactions to PPATK.
Analysis Center (PPATK)
Number 8 of 2024
Perubahan Kebijakan Akuntansi Changes in Accounting Policies
Perubahan kebijakan akuntansi dilakukan sebagai bagian Changes in accounting policies are carried out as part of
dari upaya OK BANK untuk memastikan kesesuaian dengan OK BANK's efforts to ensure alignment with developments in
perkembangan standar akuntansi yang berlaku. Langkah applicable accounting standards. This step reflects OK BANK's
ini mencerminkan komitmen OK BANK dalam menjaga commitment to maintaining transparency and accountability
transparansi dan akuntabilitas pelaporan keuangan, serta in financial reporting, as well as ensuring that the information
memastikan bahwa informasi yang disajikan tetap relevan, presented remains relevant, reliable, and comparable.
andal, dan dapat dibandingkan. Informasi mengenai perubahan Information regarding the changes in accounting policies
kebijakan akuntansi yang diimplementasi OK BANK dalam implemented by OK BANK in the 2025 Financial Statements is
Laporan Keuangan tahun buku 2025 diuraikan sebagai berikut: described as follows:
ISAK/Amandemen PSAK Dampak terhadap Laporan Keuangan
Amendment to ISAK/PSAK Impact on Financial Statements
PSAK 117, “Kontrak Asuransi” yang diadopsi dari IFRS 17, penerapan
dini diperkenankan untuk entitas yang juga telah menerapkan PSAK 109 Implementasi dari standar-standar tersebut tidak menghasilkan
dan PSAK 115. perubahan substansial terhadap kebijakan akuntansi Bank dan tidak
PSAK 117, “Insurance Contracts”, adopted from IFRS 17, early adoption memiliki dampak yang material terhadap Laporan Keuangan di periode
is permitted for entities that have also adopted PSAK 109 and PSAK 115. berjalan atau tahun sebelumnya.
Amendemen PSAK 221, “Pengaruh Perubahan Kurs Valuta Asing tentang The implementation of these standards did not result in any substantial
Kekurangan Ketertukaran”. Penerapan dini diperkenankan. changes to the Bank’s accounting policies and had no material impact
Amendments to PSAK 221, “The Effects of Changes in Foreign Exchange on the Financial Statements in the current or prior periods.
Rates regarding Lack of Exchangeability”. Early adoption is permitted.
Amendemen PSAK 109, “Instrumen Keuangan”. Saat ini Bank sedang mengevaluasi dan belum menetapkan dampak dari
Amendments to PSAK 109, “Financial Instruments”. penerapan standar tersebut serta pengaruhnya pada Laporan Keuangan
Bank.
Amendemen PSAK 107, “Instrumen Keuangan: Pengungkapan tentang
The Bank is currently evaluating and has not yet determined the impact
Klasifikasi dan Pengukuran Instrumen Keuangan”.
of the adoption of these standards and their effect on the Bank’s
Amendments to PSAK 107, “Financial Instruments: Disclosures on
Financial Statements.
the Classification and Measurement of Financial Instruments”.
Alasan Perubahan Kebijakan Akuntansi Reason for Changes in Accounting Policy
Perubahan kebijakan akuntansi dilakukan sebagai respons Changes in accounting policies were made in response to
terhadap pembaruan standar akuntansi yang dikeluarkan oleh updates to accounting standards issued by the relevant
otoritas terkait dan untuk meningkatkan kualitas dan relevansi authorities and to enhance the quality and relevance of
pelaporan keuangan OK BANK. Penyesuaian ini bertujuan agar OK BANK's financial reporting. These adjustments aim to ensure
informasi keuangan yang disajikan mencerminkan kondisi that the financial information presented reflects OK BANK's
dan kinerja OK BANK secara lebih akurat, sekaligus memenuhi condition and performance more accurately, while also
prinsip akuntansi yang berlaku umum. complying with generally accepted accounting principles.
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Aspek Pemasaran Marketing Aspect
Strategi pemasaran OK BANK diarahkan untuk memanfaatkan OK BANK's marketing strategy is focused on leveraging
teknologi informasi sebagai fondasi utama dalam menjangkau, information technology as the primary foundation for
memahami, dan memenuhi kebutuhan nasabah secara lebih reaching, understanding, and meeting customer needs more
komprehensif. Seiring dengan perubahan perilaku masyarakat comprehensively. In line with changing customer behavior that
yang semakin mengutamakan kemudahan, kecepatan, dan increasingly prioritizes convenience, speed, and accessibility,
aksesibilitas layanan, OK BANK memfokuskan pengembangan OK BANK focuses on the development of mobile-based banking
aplikasi perbankan berbasis mobile sebagai kanal utama interaksi applications as the main channel for customer interaction.
dengan nasabah. Kehadiran layanan digital tersebut tidak hanya These digital services not only enhance the quality of
berperan dalam meningkatkan kualitas pengalaman nasabah, the customer experience but also serve as an effective means
tetapi juga menjadi sarana yang efektif untuk memperluas of expanding marketing reach sustainably.
jangkauan pemasaran secara berkelanjutan.
Dalam mendukung efektivitas strategi tersebut, OK BANK To support the effectiveness of this strategy, OK BANK
turut mengoptimalkan pemanfaatan big data dan kecerdasan also optimizes the use of big data and artificial intelligence
buatan (artificial intelligence) untuk memperkuat proses to strengthen marketing analysis and decision-making
analisis dan pengambilan keputusan pemasaran. Teknologi ini processes. This technology enables OK BANK to gain deeper
memungkinkan OK BANK memperoleh pemahaman yang lebih insights into customer behavior, preferences, and needs
mendalam terhadap perilaku, preferensi, dan kebutuhan nasabah accurately and data-driven. The information obtained is then
secara akurat dan berbasis data. Informasi yang dihasilkan used to design product and service offerings that are more
kemudian dimanfaatkan untuk merancang penawaran produk relevant, targeted, and value-added for customers. Through
dan layanan yang lebih relevan, tepat sasaran, serta bernilai a marketing approach that is increasingly personalized and
tambah bagi nasabah. Melalui pendekatan pemasaran yang technology-based, OK BANK strives to enhance marketing
semakin terpersonalisasi dan berbasis teknologi, OK BANK effectiveness while building stronger long-term relationships
berupaya meningkatkan efektivitas kegiatan pemasaran with its customers.
sekaligus membangun hubungan jangka panjang yang lebih
kuat dengan nasabah.
Penguatan layanan digital menjadi langkah strategis OK BANK dalam menjawab kebutuhan
nasabah yang semakin mengandalkan kemudahan akses perbankan. Melalui kehadiran
OK Personal Internet Banking, OK Corporate Banking, dan OK Mobile Banking, OK BANK
menyediakan solusi transaksi yang aman, cepat, dan dapat diakses kapan saja. Inisiatif ini
mencerminkan komitmen OK BANK untuk menghadirkan layanan perbankan modern yang
mendukung aktivitas individu maupun korporasi secara lebih efisien dan terintegrasi.
Strengthening digital services becomes OK BANK's strategic step in addressing customers’
growing reliance on convenient banking access. Through the availability of OK Personal
Internet Banking, OK Corporate Banking, and OK Mobile Banking,OK BANK provides secure,
fast, and anytime-accessible transaction solutions. This initiative reflects OK BANK's
commitment to delivering modern banking services that support both individual and
corporate activities more efficiently and in an integrated manner.
Pada tahun 2025, OK BANK melakukan berbagai inisiatif terkait In 2025, OK BANK carried out various product marketing
pemasaran produk, meliputi: initiatives, including:
1. Menawarkan program tabungan undian berhadiah, yaitu 1. Offering a prize draw savings program, namely the OK
OK Lucky Program; Lucky Program;
2. Menawarkan program OK TD Bundling dengan hadiah 2. Offering the OK TD Bundling program with attractive
cashback yang menarik; cashback rewards;
3. Menawarkan program tabungan jangka menengah 3. Offering a medium-term savings program, OK Saving
OK Saving Rewards; Rewards;
4. Melakukan berbagai kegiatan open booth dalam rangka 4. Conducting various open booth activities to increase
meningkatkan jumlah nasabah baru; the number of new customers;
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5. Melakukan berbagai kegiatan dalam rangka memberikan 5. Carrying out various activities to provide appreciation and
apresiasi serta meningkatkan loyalitas nasabah melalui enhance customer loyalty through sponsorship programs;
program-program sponsorship; serta and
6. Meningkatkan fitur dan layanan produk existing yang lebih 6. Enhancing features and services of existing products to
tepat sasaran. better target customer needs.
PANGSA PASAR TAHUN 2025
Market Share in 2025
(dalam miliar Rupiah / in billions of Rupiah)
Industri Perbankan
(KBMI 1) Pangsa Pasar
Uraian OK BANK Description
Banking Industry Market Share
(KBMI 1)
Kredit 10.735 757.559 1,42 Loans
Dana Pihak Ketiga 8.174 930.499 0,88 Third-Party Fund
Jumlah Aset 13.418 1.309.081 1,02 Total Assets
Strategi Pendanaan Funding Strategy
Pendanaan merupakan fondasi utama bagi OK BANK dalam Funding is the main foundation for OK BANK in maintaining
menjaga keberlanjutan kinerja usaha serta mendukung sustainable business performance and supporting
realisasi strategi pertumbuhan jangka panjang. Strategi the realization of long-term growth strategies. OK BANK's
pendanaan OK BANK difokuskan pada penguatan dana pihak funding strategy focuses on strengthening stable and
ketiga yang stabil dan berkelanjutan melalui peningkatan sustainable third-party funds by enhancing customer trust. This
kepercayaan nasabah. Upaya tersebut ditempuh dengan is achieved by expanding both retail and corporate customer
memperluas basis nasabah ritel maupun korporasi, sekaligus bases, while building and maintaining mutually beneficial
membangun dan memelihara hubungan jangka panjang long-term relationships, ensuring that OK BANK's funding
yang saling menguntungkan, sehingga struktur pendanaan structure remains healthy, balanced, and resilient to market
OK BANK tetap sehat, berimbang, dan resilien terhadap dynamics.
dinamika pasar.
Dalam mendukung strategi tersebut, pengelolaan produk To support this strategy, the management of deposit products
simpanan dirancang secara adaptif untuk menjawab kebutuhan is designed adaptively to meet the evolving needs of the market.
pasar yang terus berkembang. OK BANK mengembangkan OK BANK develops a variety of funding products with flexible
beragam produk pendanaan dengan fitur yang fleksibel, features, competitive returns, and is supported by continuous
imbal hasil yang kompetitif, serta didukung oleh peningkatan service quality improvements. This approach aims not only to
kualitas layanan secara berkelanjutan. Pendekatan ini tidak enhance customer loyalty but also to optimize the composition
hanya bertujuan untuk meningkatkan loyalitas nasabah, tetapi of funds and maintain the cost of funds at an efficient level, in
juga untuk mengoptimalkan komposisi dana dan menjaga line with OK BANK's prudential and profitability principles.
biaya dana (cost of fund) pada tingkat yang efisien, sejalan
dengan prinsip kehati-hatian dan profitabilitas OK BANK.
Penguatan pendanaan juga ditopang oleh penerapan tata Funding reinforcement is also supported by the implementation
kelola dan manajemen risiko yang prudent. Setiap sumber of prudent governance and risk management. Each source of
dana dikelola secara cermat dengan memperhatikan profil funds is carefully managed with attention to liquidity profiles,
likuiditas, struktur jatuh tempo, serta keselarasan dengan maturity structures, and alignment with OK BANK's growth
rencana pertumbuhan dan kapasitas penyaluran kredit OK BANK. plans and lending capacity. Through a targeted, measured,
Melalui strategi pendanaan yang terarah, terukur, dan and sustainable funding strategy, OK BANK seeks to ensure
berkelanjutan, OK BANK berupaya memastikan kesiapan finansial strong financial readiness to face economic challenges
yang kuat dalam menghadapi tantangan ekonomi, sekaligus while optimally leveraging business growth opportunities in
memanfaatkan peluang pertumbuhan usaha secara optimal di the future.
masa mendatang.
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Pada tahun 2025, OK BANK melakukan berbagai strategi In 2025, OK BANK implemented various strategic initiatives
inisiatif terkait strategi pendanaan di mana Bank menerapkan related to its funding strategy, whereby the Bank adopted
strategi produk dan pemasaran yang terpadu. Dari sisi produk, an integrated product and marketing approach. From the product
Bank menawarkan tabungan dengan skema pengembalian perspective, the Bank offered savings products with attractive
yang menarik. return schemes.
Prospek dan Strategi 2026 Prospect and Strategy in 2026
Prospek industri perbankan nasional pada tahun 2026 The outlook for the national banking industry in 2026 is
diperkirakan tetap menunjukkan arah pertumbuhan yang expected to remain on a positive growth trajectory, despite
positif, meskipun berada dalam dinamika lingkungan global operating within an increasingly complex global environment.
yang semakin kompleks. IMF memproyeksikan pertumbuhan IMF projects global economic growth at around 3.3%, albeit
ekonomi global berada di kisaran 3,3%, namun dengan with a downside risk balance. Uncertainty in trade policies,
keseimbangan risiko yang cenderung menurun. Ketidakpastian elevated financial asset valuations, potential corrections
kebijakan perdagangan, tingginya valuasi aset keuangan, in technology-driven investment expectations, and rising
potensi koreksi terhadap ekspektasi investasi berbasis geopolitical tensions are factors that warrant close attention.
teknologi, dan meningkatnya ketegangan geopolitik menjadi In this context, Bank Indonesia highlights that escalating
faktor yang perlu diwaspadai. Sejalan dengan itu, Bank conflicts in the Middle East have strengthened the US dollar,
Indonesia menyoroti bahwa eskalasi konflik di Timur Tengah increased financial market volatility, and narrowed the room for
telah memperkuat dolar AS, meningkatkan volatilitas pasar global monetary policy easing, thereby requiring the banking
keuangan, dan mempersempit ruang pelonggaran kebijakan industry to be more adaptive and prudent in managing risks.
moneter global, sehingga menuntut industri perbankan untuk
semakin adaptif dan berhati-hati dalam mengelola risiko.
Dalam kondisi tersebut, industri perbankan dihadapkan pada Under these conditions, the banking industry faces
tantangan untuk menjaga keseimbangan antara pertumbuhan the challenge of maintaining a balance between growth and
dan kehati-hatian. Transmisi penurunan suku bunga ke prudence. The suboptimal transmission of lower interest rates
suku bunga kredit yang belum optimal, risiko pada segmen to lending rates, risks in the consumer and MSME segments,
konsumsi dan UMKM, serta potensi tekanan lanjutan terhadap as well as potential continued pressure on exchange rates and
nilai tukar dan biaya dana menjadi faktor yang perlu dicermati. funding costs are key factors to monitor. Nevertheless, the
Namun, fundamental industri perbankan nasional masih fundamentals of the national banking industry remain solid,
menunjukkan ketahanan yang solid, tercermin dari rasio NPL as reflected in a gross NPL ratio of 2.14%, net NPL of 0.82%,
gross Rp2,14%, NPL net 0,82%, Loan at Risk 9,01%, ROA 2,49%, Loan at Risk of 9.01%, ROA of 2.49%, and CAR of 25.87% as
dan CAR 25,87% pada Januari 2026. Kondisi ini mendukung of January 2026. This condition supports a sustained growth
prospek pertumbuhan yang tetap terjaga, namun dengan pola outlook, albeit with a more selective expansion approach,
pendekatan ekspansi yang lebih selektif, berbasis manajemen grounded in risk management and directed toward productive
risiko, serta diarahkan pada sektor-sektor produktif yang sectors that are more resilient to economic fluctuations.
memiliki daya tahan lebih baik terhadap fluktuasi ekonomi.
Dengan mempertimbangkan dinamika global dan ketahanan By considering these global dynamics and the resilience of
industri perbankan nasional tersebut, OK BANK memandang the national banking industry, OK BANK views the industry’s
prospek industri perbankan tetap memiliki peluang outlook as still offering positive growth opportunities, in
pertumbuhan yang positif, seiring dengan proyeksi pertubuhan line with relatively stable economic growth projections
ekonomi yang relatif stabil dan meningkatnya aktivitas usaha and increasing business activity across various sectors.
di berbagai sektor. Perkembangan teknologi, perubahan Technological developments, changes in customer behavior,
perilaku nasabah, dan dukungan kebijakan regulator menjadi and regulatory policy support became important factors that
faktor penting yang mendorong terciptanya peluang baru bagi drive the creation of new opportunities for OK BANK to expand
OK BANK untuk memperluas layanan dan memperkuat its services and strengthen its role in the financial system.
perannya dalam sistem keuangan.
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Memasuki tahun 2026, OK BANK menunjukkan kesiapan yang matang untuk menghadapi
berbagai peluang dan tantangan di sektor perbankan dengan optimisme tinggi. Dengan
strategi yang terukur dan fondasi yang kuat, OK BANK optimis dapat mencapai kinerja yang
positif sekaligus memberikan nilai tambah bagi nasabah, Pemegang Saham, dan pemangku
kepentingan lainnya.
Entering 2026, OK BANK demonstrates strong readiness to face various opportunities and
challenges in the banking sector with high optimism. With a measured strategy and solid
foundation, OK BANK is confident in achieving positive performance while delivering added
value to customers, Shareholders, and other stakeholders.
OK BANK bersikap optimis dan percaya diri dalam menatap OK BANK remains optimistic and confident in approaching
tahun 2026 dengan landasan perencanaan yang matang. 2026, supported by a well-prepared planning foundation. This
Optimisme ini didukung oleh komitmen OK BANK untuk terus optimism is backed by OK BANK's commitment to continuously
memperkuat fundamental usaha, menjaga kualitas aset, dan strengthen its business fundamentals, maintain asset quality,
meningkatkan efektivitas pengelolaan risiko. Dengan fondasi and enhance the effectiveness of risk management. With this
tersebut, OK BANK meyakini mampu beradaptasi terhadap foundation, OK BANK is confident in its ability to adapt to an
perubahan lingkungan bisnis yang semakin kompetitif. increasingly competitive business environment.
Strategi yang akan dijalankan pada tahun 2026 diarahkan pada The strategies to be implemented in 2026 are focused on
penguatan segmen bisnis yang memiliki potensi pertumbuhan strengthening business segments with sustainable growth
berkelanjutan, disertai dengan peningkatan kualitas layanan potential, accompanied by improvements in customer service
kepada nasabah. OK BANK juga akan melanjutkan upaya quality. OK BANK will also continue efforts to enhance
peningkatan efisiensi operasional melalui pemanfaatan operational efficiency through the use of technology and
teknologi dan penyempurnaan proses bisnis, sehingga kinerja refinement of business processes, ensuring performance
dapat tumbuh secara sehat dan berimbang. grows in a healthy and balanced manner.
Selain itu, OK BANK akan terus menjaga kecukupan permodalan Furthermore, OK BANK will continue to maintain adequate
dan likuiditas sebagai bagian dari strategi jangka panjang. capital and liquidity as part of its long-term strategy.
Dengan pengelolaan yang prudent dan penerapan tata kelola Through prudent management and good corporate governance
perusahaan yang baik, OK BANK optimis dapat menghadapi practices, OK BANK is confident in its ability to face challenges
tantangan dan memanfaatkan peluang pada tahun 2026, and seize opportunities in 2026, while creating sustainable
sekaligus menciptakan nilai tambah yang berkelanjutan bagi added value for all stakeholders.
seluruh pemangku kepentingan.
Pada tahun 2026, OK BANK juga akan menjalankan berbagai In 2026, OK BANK will also implement various strategies,
strategi yang diuraikan sebagai berikut: as described below:
1. Meningkatkan fitur dan layanan pada produk tabungan 1. Enhancing features and services of savings and current
dan giro untuk memperkuat daya saing, meningkatkan account products to strengthen competitiveness, improve
kenyamanan bertransaksi, serta menyesuaikan penawaran transaction convenience, and align product offerings with
produk dengan kebutuhan nasabah yang semakin dinamis; increasingly dynamic customer needs;
2. Mengembangkan program pendanaan jangka menengah 2. Developing medium-term funding programs with
dengan berbagai manfaat yang kompetitif guna menjaga competitive benefits to maintain third-party fund stability,
stabilitas dana pihak ketiga, meningkatkan loyalitas nasabah, increase customer loyalty, and support sustainable funding
dan mendukung pertumbuhan pendanaan yang berkelanjutan; growth;
3. Berpartisipasi sebagai sub-mitra distribusi dalam 3. Participating as a sub-distribution partner in the marketing
pemasaran produk Surat Berharga Negara ritel yang of retail Government Securities issued by the government,
diterbitkan oleh pemerintah sebagai upaya memperluas as part of efforts to broaden customers’ investment
alternatif investasi bagi nasabah sekaligus mendukung alternatives while supporting the deepening of the national
pendalaman pasar keuangan nasional; serta financial market; and
4. Memperkuat layanan payroll untuk meningkatkan volume 4. Strengthening payroll services to increase transaction
transaksi, memperluas basis nasabah, dan membuka volume, expand the customer base, and create opportunities
peluang pengembangan produk serta layanan perbankan for the sustainable development of other banking products
lainnya secara berkelanjutan. and services.
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Tata Kelola
Perusahaan
Corporate Governance
OK BANK menerapkan tata kelola perusahaan yang baik secara
konsisten sebagai landasan dalam menjalankan kegiatan
usaha yang berkelanjutan, transparan, dan bertanggung jawab.
Tata kelola dijalankan melalui governance structure yang jelas
dengan pemisahan tugas, wewenang, dan tanggung jawab
antara Dewan Komisaris dan Direksi, serta didukung oleh
komite-komite di bawah Dewan Komisaris dan Direksi. Dalam
aspek governance process, OK BANK memastikan pengelolaan
manajemen risiko dan penerapan sistem pengendalian internal
yang efektif untuk mengantisipasi berbagai risiko usaha.
Seluruh mekanisme tersebut diarahkan untuk menghasilkan
governance outcome yang optimal, yaitu terciptanya kinerja
Bank yang sehat, kepatuhan terhadap peraturan perundang-
undangan, dan peningkatan nilai bagi seluruh pemangku
kepentingan.
OK BANK consistently implements good corporate governance
as the foundation for conducting sustainable, transparent,
and responsible business activities. Governance is carried
out through a clear governance structure with a separation
of duties, authorities, and responsibilities between the Board
of Commissioners and the Board of Directors, supported by
committees under both the Board of Commissioners and
the Board of Directors. In terms of the governance
process, OK BANK ensures effective risk management and
the implementation of an internal control system to
anticipate various business risks. All these mechanisms are
aimed at achieving optimal governance outcomes, namely
the establishment of a sound banking performance, compliance
with laws and regulations, and the enhancement of value for all
stakeholders.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Kebijakan Tata Kelola
Governance Policy
Kebijakan tata kelola OK BANK disusun sebagai kerangka OK BANK’s governance policies are established as
acuan untuk memastikan seluruh kegiatan operasional a reference framework to ensure that all operational
berjalan secara terarah, konsisten, dan selaras dengan nilai activities are conducted in a directed, consistent manner,
serta prinsip yang dianut. Prinsip transparansi, integritas, and aligned with the values and principles upheld by the Bank.
dan akuntabilitas menjadi landasan dalam setiap proses The principles of transparency, integrity, and accountability
pengambilan keputusan, sehingga kebijakan dan tindakan become the foundation of every decision-making process,
manajemen dapat dipertanggungjawabkan kepada pemangku so that management policies and actions can be justified to
kepentingan. Kerangka ini berperan penting dalam menjaga stakeholders. This framework plays a crucial role in maintaining
kepercayaan publik serta memperkuat daya saing OK BANK public trust and strengthening OK BANK’s competitiveness
di tengah dinamika industri perbankan. amid the dynamics of the banking industry.
Penerapan tata kelola perusahaan dilakukan melalui struktur The implementation of corporate governance is carried out
organisasi yang jelas, dengan pembagian peran, fungsi, through a clear organizational structure, with distinct roles,
dan tanggung jawab yang tegas. Direksi bertanggung functions, and responsibilities. The Board of Directors is
jawab atas pengurusan OK BANK dan pelaksanaan strategi, responsible for managing OK BANK and executing its strategies,
sedangkan Dewan Komisaris menjalankan fungsi pengawasan while the Board of Commissioners performs independent
secara independen dan berkesinambungan. Seluruh unit and continuous oversight. All work units adhere to consistent
kerja menerapkan standar operasional yang konsisten operational standards to ensure the effectiveness of internal
untuk memastikan efektivitas pengendalian internal sekaligus controls, while supporting compliance with applicable laws and
mendukung kepatuhan terhadap peraturan perundang-undangan regulations and regulatory provisions.
dan ketentuan regulator yang berlaku.
OK BANK juga memperkuat budaya kepatuhan dan etika melalui OK BANK also reinforces a culture of compliance and ethics
penerapan pedoman perilaku yang wajib dipahami dan ditaati through the implementation of a code of conduct that must
oleh seluruh insan Bank. Pedoman tersebut menjadi rujukan be understood and followed by all Bank personnel. This code
dalam mencegah konflik kepentingan, menjaga keandalan serves as a reference to prevent conflicts of interest, maintain
pelaporan, serta memastikan integritas dalam setiap aktivitas the reliability of reporting, and ensure integrity in every
bisnis. Dengan tata kelola yang kuat dan terintegrasi, OK BANK business activity. With strong and integrated governance,
mengelola risiko secara disiplin serta mendukung pencapaian OK BANK manages risks with discipline while supporting
tujuan usaha secara berkelanjutan. the sustainable achievement of business objectives.
Dasar Penerapan Tata Kelola Basis for Implementing Governance
OK BANK menerapkan tata kelola sebagai fondasi utama dalam OK BANK implements governance as the main foundation for
menjalankan kegiatan operasionalnya. Melalui tata kelola yang conducting its operational activities. Through strong governance,
kuat, OK BANK berupaya memastikan bahwa seluruh kebijakan, OK BANK strives to ensure that all policies, decision-making, and
pengambilan keputusan, dan pengelolaan risiko dilakukan risk management are carried out responsibly, thereby providing
secara bertanggung jawab, sehingga mampu memberikan nilai sustainable added value for customers, Shareholders, and all
tambah yang berkelanjutan bagi nasabah, Pemegang Saham, stakeholders. The implementation of governance at OK BANK
dan seluruh pemangku kepentingan. Adapun penerapan refers to various applicable laws and regulations, including:
tata kelola di OK BANK mengacu pada berbagai peraturan
perundang-undangan yang berlaku, antara lain:
1. Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan 1. Law Number 7 of 1992 on Banking, as amended several
sebagaimana telah diubah beberapa kali terakhir times, most recently by Law Number 4 of 2023 on
dengan Undang-Undang Nomor 4 Tahun 2023 tentang the Development and Strengthening of the Financial Sector;
Pengembangan dan Penguatan Sektor Keuangan;
2. Undang-Undang Nomor 27 Tahun 2022 tentang 2. Law Number 27 of 2022 on Personal Data Protection;
Pelindungan Data Pribadi;
3. Undang-Undang Republik Indonesia Nomor 40 tahun 2007 3. Law Number 40 of 2007 on Limited Liability Companies;
tentang Perseroan Terbatas;
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4. POJK Nomor 17 Tahun 2023 tentang Penerapan Tata 4. POJK Number 17 of 2023 on the Implementation of
Kelola Bagi Bank Umum; Governance for Commercial Banks;
5. POJK Nomor 21/POJK.04/2015 tentang Penerapan 5. POJK Number 21/POJK.04/2015 on the Implementation of
Pedoman Tata Kelola Perusahaan Terbuka; Corporate Governance Guidelines for Public Companies;
6. SEOJK Nomor 14/SEOJK.03/2025 tentang Penerapan Tata 6. SEOJK Number 14/SEOJK.03/2025 on the Implementation
Kelola Bagi Bank Umum; serta of Governance for Commercial Banks; and
7. SEOJK Nomor 32/SEOJK.04/2015 tentang Pedoman Tata 7. SEOJK Number 32/SEOJK.04/2015 on Corporate
Kelola Perusahaan Terbuka. Governance Guidelines for Public Companies.
Tujuan Penerapan Tata Kelola Objectives of Governance Implementation
OK BANK menerapkan tata kelola perusahaan sebagai wujud OK BANK implements corporate governance as a demonstration
komitmen untuk memastikan seluruh proses bisnis dijalankan of its commitment to ensuring that all business processes are
secara sehat, transparan, dan berintegritas. Penerapan tata conducted in a sound, transparent, and integrity-driven manner.
kelola yang efektif diarahkan untuk mendukung pencapaian The effective implementation of governance is aimed at
kinerja yang berkelanjutan, sekaligus melindungi kepentingan supporting the achievement of sustainable performance while
nasabah dan seluruh pemangku kepentingan. Melalui protecting the interests of customers and all stakeholders.
penerapan prinsip-prinsip tata kelola perusahaan yang baik, By applying the principles of good corporate governance,
OK BANK berupaya menciptakan lingkungan kerja yang OK BANK strives to create a professional work environment,
profesional, memperkuat sistem pengendalian internal, serta strengthen internal control systems, and enhance public trust
meningkatkan kepercayaan publik terhadap operasional Bank. in the Bank’s operations.
Adapun tujuan utama penerapan tata kelola perusahaan yang The main objectives of implementing good corporate
baik di OK BANK meliputi: governance at OK BANK include:
1. Meningkatkan transparansi dan akuntabilitas dalam 1. Enhancing transparency and accountability in all decision-
seluruh proses pengambilan keputusan; making processes;
2. Memastikan kepatuhan terhadap peraturan perundang- 2. Ensuring compliance with laws and regulations, and
undangan dan standar industri perbankan; banking industry standards;
3. Mengoptimalkan pengelolaan risiko agar kegiatan usaha 3. Optimizing risk management to ensure business activities
berjalan aman dan terkendali; are conducted safely and under control;
4. Mendorong kinerja yang efektif dan efisien melalui struktur 4. Encouraging effective and efficient performance through
organisasi dan proses kerja yang jelas; a clear organizational structure and work processes;
5. Melindungi kepentingan nasabah dan pemangku 5. Protecting the interests of customers and stakeholders by
kepentingan dengan memastikan operasi OK BANK ensuring that OK BANK’s operations are managed ethically
dikelola secara etis dan bertanggung jawab; and responsibly;
6. Membangun kepercayaan publik melalui praktik kerja yang 6. Building public trust through professional and integrity-
profesional dan berintegritas; serta driven practices; and
7. Mewujudkan pertumbuhan bisnis yang berkelanjutan 7. Achieving sustainable business growth through prudent
melalui pengelolaan sumber daya secara bijaksana dan and long-term resource management.
berorientasi jangka panjang.
Prinsip Tata Kelola Governance Principles
OK BANK menjalankan prinsip tata kelola perusahaan yang baik OK BANK implements the principles of good corporate
dengan berpedoman pada SEOJK Nomor 14/SEOJK.03/2025 governance by referring to SEOJK Number 14/SEOJK.03/2025
tentang Penerapan Tata Kelola Bagi Bank Umum sebagai panduan concerning the Implementation of Governance for Commercial
utama dalam seluruh aktivitas operasional dan pengelolaan Banks as the main guideline for all operational activities and
manajemen. Prinsip ini menegaskan pentingnya transparansi, management. These principles emphasize the importance of
akuntabilitas, responsibilitas, independensi, dan kewajaran transparency, accountability, responsibility, independency,
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Corporate Governance
dalam pengambilan keputusan dan pelaporan keuangan. and fairness in decision-making and financial reporting.
Dengan mengikuti ketentuan peraturan tersebut, OK BANK By adhering to these provisions, OK BANK ensures that all
memastikan seluruh prosedur operasional sesuai standar, operational procedures meet the required standards, oversight
pengawasan berjalan secara efektif, serta hak dan kepentingan is conducted effectively, and the rights and interests of
nasabah maupun pemangku kepentingan terlindungi. customers and stakeholders are protected.
Informasi mengenai prinsip-prinsip tata kelola perusahaan Information regarding the principles of good corporate
yang baik serta implementasinya di OK BANK diuraikan governance and their implementation at OK BANK is described
sebagai berikut: as follows:
• Bank telah mengungkapkan informasi yang material • The Bank has disclosed material and relevant information,
dan relevan serta keterbukaan kondisi keuangan dan including transparency regarding financial and non-financial
non-keuangan; conditions;
• Bank mengungkapkan informasi secara tepat waktu, memadai, • The Bank discloses information in a timely, adequate, clear,
jelas, akurat, dan mudah diperbandingkan, serta mudah accurate, and comparable manner, and ensures that it is
diakses oleh pemangku kepentingan sesuai dengan haknya; easily accessible to stakeholders in accordance with their
Transparansi serta rights; and
Transparency • Prinsip keterbukaan oleh Bank tidak mengurangi kewajiban • The Bank’s transparency principle does not reduce its
untuk memenuhi ketentuan rahasia Bank sesuai Undang- obligation to comply with banking secrecy provisions as
Undang yang berlaku. regulated by applicable Laws and regulations.
• Bank telah menetapkan kejelasan fungsi dan pelaksanaan • The Bank has established clear functions and accountability
pertanggungjawaban organ Bank sehingga pengelolaannya for each of its organs to ensure effective management;
berjalan secara efektif;
• Bank memiliki ukuran kinerja dari seluruh jajaran • The Bank has set performance metrics for all levels of
berdasarkan ukuran-ukuran konsisten dengan corporate the organization based on consistent measures aligned
values, sasaran dan usaha, serta strategi Bank sebagai with corporate values, goals, and business strategies as
pencerminan akuntabilitas Bank; a reflection of the Bank’s accountability;
Akuntabilitas • Bank telah menetapkan tanggung jawab yang jelas dari • The Bank has clearly defined the responsibilities of each
Accountability masing-masing organ organisasi yang selaras dengan visi, organizational organ in line with the company’s vision,
misi, sasaran usaha, dan strategi perusahaan; serta mission, business objectives, and strategy; and
• Bank telah memastikan terdapatnya check and balance • The Bank has ensured the presence of a check-and-balance
dalam pengelolaan Bank. mechanism in its management.
• Kesesuaian pengelolaan Bank dengan peraturan perundang- • The Bank's management complies with applicable laws
undangan yang berlaku dan prinsip-prinsip pengelolaan and regulations as well as sound banking management
Bank yang sehat sebagai wujud pertanggungjawaban untuk principles as a form of responsibility for maintaining
menjaga kelangsungan usahanya; business continuity;
• Bank harus berpegang pada prinsip-prinsip kehati-hatian • The Bank adheres to the principles of prudential banking
(prudential banking practices) dan menaati peraturan practices and complies with prevailing laws and regulations;
Responsibilitas perundang-undangan yang berlaku; serta and
Responsibility • Bank telah bertindak sebagai good corporate citizen (warga • The Bank acts as a good corporate citizen, including
negara perusahaan yang baik), termasuk peduli terhadap demonstrating environmental awareness and fulfilling
lingkungan dan melaksanakan tanggung jawab sosial. social responsibilities.
• Pengelolaan Bank secara profesional tanpa pengaruh atau • The Bank is managed professionally without influence or
tekanan dari pihak mana pun; pressure from any party;
• Bank menghindari terjadinya dominasi yang tidak wajar oleh • The Bank avoids undue domination by any stakeholder and
pemangku kepentingan mana pun dan tidak terpengaruh is not influenced by personal interests, ensuring freedom
oleh kepentingan sepihak, serta bebas dari benturan from conflicts of interest; and
Independensi kepentingan (contflict of interest); serta
Independency • Bank mengambil setiap keputusan berdasarkan objektivitas • The Bank makes all decisions objectively and without
dan bebas dari tekanan yang berasal dari pihak mana pun. pressure from any party.
• Bank memberikan keadilan dan kesetaraan dalam • The Bank provides fairness and equality in fulfilling
memenuhi hak-hak para pemangku kepentingan yang the rights of stakeholders as stipulated in agreements and
timbul berdasarkan perjanjian dan peraturan perundang- applicable laws and regulations; and
undangan; serta
• Bank memperhatikan kepentingan seluruh pemangku • The Bank considers the interests of all stakeholders based
kepentingan berdasarkan asas kesetaraan dan kewajaran on the principles of equality and fairness (equal treatment)
Kewajaran
(equal treatment) serta memberikan atau menyampaikan and ensures they can provide input in the interest of
Fairness
pendapat bagi kepentingan Bank atau mempunyai akses the Bank or have access to information in accordance with
terhadap informasi sesuai dengan prinsip keterbukaan. the principle of transparency.
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Struktur Tata Kelola [GRI 2-11]
Governance Structure
Struktur tata kelola perusahaan yang baik OK BANK dibangun OK BANK’s corporate governance structure is built to ensure
untuk memastikan proses pengawasan dan pengambilan that oversight and decision-making processes are conducted
keputusan dilaksanakan secara efektif, terarah, dan akuntabel. effectively, purposefully, and accountably. The governance
Kerangka tata kelola OK BANK terdiri dari Rapat Umum framework consists of the General Meeting of Shareholders
Pemegang Saham (RUPS), Dewan Komisaris, dan Direksi, yang (GMS), the Board of Commissioners, and the Board of Directors,
masing-masing memiliki peran, fungsi, dan tanggung jawab yang each with clearly defined roles, functions, and responsibilities
jelas sesuai dengan ketentuan peraturan perundang-undangan. in accordance with applicable laws and regulations. The GMS
RUPS merupakan organ OK BANK dengan kewenangan serves as OK BANK’s highest authority, responsible for setting
tertinggi yang berperan dalam menetapkan arah strategis serta strategic direction and approving material decisions that affect
memberikan persetujuan atas keputusan-keputusan material the Bank’s business continuity.
yang memengaruhi keberlangsungan usaha Bank.
Dalam kerangka tersebut, Dewan Komisaris menjalankan Within this framework, the Board of Commissioners carries out
fungsi pengawasan secara independen dan berkesinambungan independent and continuous oversight to ensure that policies,
untuk memastikan bahwa kebijakan, kegiatan operasional, operational activities, and risk management are conducted in
serta pengelolaan risiko dilaksanakan sesuai dengan prinsip accordance with prudence, compliance, and good corporate
kehati-hatian, kepatuhan, dan tata kelola perusahaan yang governance principles. The Board of Commissioners’
baik. Peran pengawasan Dewan Komisaris menjadi elemen supervisory role is an important element in maintaining
penting dalam menjaga kualitas penerapan tata kelola serta the quality of governance implementation and promoting
mendorong terciptanya pengelolaan OK BANK yang sehat dan the sound and sustainable management of OK BANK. In
berkelanjutan. Dalam pelaksanaan tugasnya, Dewan Komisaris performing its duties, the Board of Commissioners is assisted
dibantu oleh komite pendukung di bawah Dewan Komisaris by supporting committees under its supervision, consisting of:
yang terdiri dari:
1. Komite Audit; 1. Audit Committee;
2. Komite Pemantau Risiko; dan 2. Risk Monitoring Committee; and
3. Komite Remunerasi dan Nominasi. 3. Remuneration and Nomination Committee.
Sementara itu, Direksi bertanggung jawab atas pengurusan Meanwhile, the Board of Directors is responsible for managing
dan pengelolaan kegiatan usaha OK BANK sehari-hari serta and overseeing OK BANK’s day-to-day business activities and
menerjemahkan strategi yang telah disetujui RUPS ke dalam translating the strategies approved by the GMS into operational
pelaksanaan operasional. Melalui koordinasi yang efektif, execution. Through effective coordination, the Board of
Direksi memastikan bahwa seluruh proses bisnis dijalankan Directors ensures that all business processes are conducted
sesuai dengan kebijakan internal, ketentuan regulator, dan in accordance with internal policies, regulatory requirements,
praktik manajemen risiko yang prudent. Sinergi dan hubungan and prudent risk management practices. The synergy and
kerja yang saling melengkapi antara RUPS, Dewan Komisaris, complementary working relationship between the GMS,
dan Direksi membentuk fondasi tata kelola yang kokoh, the Board of Commissioners, and the Board of Directors form
sehingga OK BANK mampu menjaga integritas, meningkatkan a solid governance foundation, enabling OK BANK to maintain
kinerja, serta memenuhi harapan seluruh pemangku integrity, enhance performance, and meet the expectations of
kepentingan secara berkelanjutan. Direksi juga memiliki all stakeholders sustainably. The Board of Directors is also
komite pendukung yang terdiri dari: supported by committees consisting of:
1. Komite Kredit; 1. Credit Committee;
2. Komite Manajemen Risiko; 2. Risk Management Committee;
3. Komite Pengarah TI; 3. IT Steering Committee;
4. Assets and Liability Committee (ALCO); 4. Assets and Liability Committee (ALCO);
5. Komite Kebijakan Perkreditan; dan 5. Credit Policy Committee; and
6. Komite Pengembangan Produk. 6. Product Development Committee.
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OK BANK juga memiliki organ penunjang yang dapat membantu OK BANK also has supporting organs that assist the Board of
Direksi dalam melaksanakan tugas dan tanggung jawabnya Directors in carrying out its duties and responsibilities, which
yang terdiri dari: consist of:
1. Corporate Planning Division; 1. Corporate Planning Division;
2. Satuan Kerja Audit Internal (SKAI); 2. Internal Audit Unit (SKAI);
3. Compliance Division; 3. Compliance Division;
4. Risk Management Division; 4. Risk Management Division;
5. Legal Division; 5. Legal Division;
6. Human Capital and Corporate Secretary Division; 6. Human Capital and Corporate Secretary Division;
7. Credit Review Division; 7. Credit Review Division;
8. Loan Asset Management Division; 8. Loan Asset Management Division;
9. Operation Division; 9. Operation Division;
10. Finance Division; 10. Finance Division;
11. IT Operation Division; 11. IT Operation Division;
12. IT Planning Division; 12. IT Planning Division;
13. IT Security & Resilience Unit; 13. IT Security & Resilience Unit;
14. Treasury Division; 14. Treasury Division;
15. General Affair Division; 15. General Affairs Division;
16. Business Division; 16. Business Division;
17. Funding Division; 17. Funding Division;
18. Marketing Communication Division; 18. Marketing Communication Division;
19. Retail Business Development Division; 19. Retail Business Development Division;
20. Retail Credit and Digital Strategy Division; serta 20. Retail Credit and Digital Strategy Division; and
21. AI Strategy & Transformation Unit. 21. AI Strategy & Transformation Unit.
Pemisahan Peran Chairman of the Board Separation of Roles between the Chairman of
dan Chief Executive Officer (CEO) the Board and Chief Executive Officer (CEO)
[ESG G-03] [GRI 2-11] [ESG G-03] [GRI 2-11]
OK BANK menerapkan pemisahan peran antara Chairman of OK BANK implements a separation of roles between
the Board dan Chief Executive Officer (CEO) sebagai bagian the Chairman of the Board and the Chief Executive Officer
dari komitmen Bank dalam menerapkan praktik tata kelola (CEO) as part of the Bank’s commitment to applying good
perusahaan yang baik. Struktur ini memastikan adanya corporate governance practices. This structure ensures a clear
pemisahan yang jelas antara fungsi pengawasan dan fungsi distinction between oversight and management functions,
pengelolaan, sehingga mendukung terciptanya sistem supporting a balanced system of control and decision-making.
pengendalian dan pengambilan keputusan yang seimbang.
Dalam struktur tata kelola OK BANK, Chairman of the Board Within OK BANK’s governance structure, the Chairman
bertanggung jawab dalam mengarahkan dan mengawasi of the Board is responsible for directing and overseeing
kebijakan strategis, pelaksanaan manajemen risiko, serta strategic policies, risk management implementation, and
efektivitas pengambilan keputusan eksekutif. Sementara the effectiveness of executive decision-making. Meanwhile,
itu, CEO berperan dalam menerjemahkan strategi yang telah the CEO translates the established strategies into day-to-day
ditetapkan ke dalam pelaksanaan operasional sehari-hari serta operational execution and ensures that the Bank’s performance
memastikan pencapaian kinerja Bank sesuai dengan arah aligns with the predetermined direction and targets. This
dan target yang telah ditentukan. Pembagian peran tersebut division of roles allows each function to operate with focus,
memungkinkan masing-masing fungsi dijalankan secara fokus, independence, and professionalism.
independen, dan profesional.
Pemisahan peran ini memperkuat mekanisme check and The separation of roles strengthens the check-and-balance
balance di tingkat manajemen, meminimalkan potensi konflik mechanism at the management level, minimizes potential
kepentingan, serta memungkinkan Dewan Komisaris untuk conflicts of interest, and enables the Board of Commissioners
melakukan evaluasi dan pembinaan kinerja Direksi secara objektif. to objectively evaluate and guide the performance of
Dengan struktur kepemimpinan yang seimbang dan transparan, the Board of Directors. With a balanced and transparent
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OK BANK meningkatkan akuntabilitas, kualitas pengambilan leadership structure, OK BANK enhances accountability,
keputusan, serta kepercayaan pemangku kepentingan, sekaligus the quality of decision-making, and stakeholder trust, while
menegaskan komitmen Bank terhadap penerapan tata kelola reaffirming the Bank’s commitment to implementing corporate
perusahaan yang berintegritas dan berkelanjutan. governance with integrity and sustainability.
Proses Tata Kelola Governance Processes
Penerapan tata kelola di OK BANK dilaksanakan melalui The implementation of governance at OK BANK is carried out
pendekatan yang mencakup 3 (tiga) aspek utama yang saling through an approach that consist of 3 (three) main aspects,
terintegrasi dan saling memperkuat. Pendekatan ini dirancang which are integrated and mutually reinforcing. This approach
untuk memastikan bahwa seluruh kegiatan operasional, is designed to ensure that all operational, managerial, and
manajerial, dan pengawasan dijalankan secara selaras dengan oversight activities are conducted in line with the principles
prinsip transparansi, akuntabilitas, dan integritas. Untuk of transparency, accountability, and integrity. To maintain
menjaga kualitas penerapan tata kelola, OK BANK melakukan the quality of governance implementation, OK BANK conducts
evaluasi secara mandiri dan berkala setiap semester, yaitu independent evaluations periodically every semester, in June
pada bulan Juni dan Desember, sehingga efektivitas tata kelola and December, so that the effectiveness of governance can be
dapat terus dipantau dan ditingkatkan secara berkelanjutan. continuously monitored and improved.
Aspek pertama adalah governance structure, yang menjadi The first aspect is the governance structure, which becomes
fondasi dalam penerapan tata kelola perusahaan. Aspek ini the foundation for implementing corporate governance.
menggambarkan pengaturan peran, fungsi, serta hubungan This aspect defines the roles, functions, and working
kerja antar organ utama OK BANK, yang meliputi RUPS, relationships among OK BANK’s main organs, including
Dewan Komisaris, Direksi, komite-komite pendukung, serta the GMS, the Board of Commissioners, the Board of
satuan kerja terkait. Kejelasan struktur tata kelola memastikan Directors, supporting committees, and related work units.
setiap pihak memahami tanggung jawab dan kewenangannya, A clear governance structure ensures that all parties understand
sehingga koordinasi, pengawasan, dan pengambilan keputusan their responsibilities and authorities, enabling coordination,
dapat berjalan secara efektif dan selaras dengan tujuan oversight, and decision-making to operate effectively and in
OK BANK. alignment with OK BANK’s objectives.
Aspek kedua adalah governance process, yang berfokus The second aspect is the governance process, which
pada mekanisme pelaksanaan tata kelola dalam kegiatan focuses on the mechanisms for implementing governance
operasional sehari-hari. Proses ini mencakup penerapan in day-to-day operational activities. This process includes
kebijakan dan prosedur kerja, manajemen risiko, sistem the implementation of policies and work procedures, risk
pengendalian internal, serta mekanisme pelaporan yang management, internal control systems, and structured
terstruktur. Melalui proses tata kelola yang konsisten dan reporting mechanisms. Through a consistent and measurable
terukur, seluruh aktivitas dan keputusan bisnis dijalankan governance process, all business activities and decisions are
sesuai dengan prinsip kehati-hatian (prudential banking) serta carried out in accordance with prudential banking principles
ketentuan peraturan perundang-undangan yang berlaku. and the applicable laws and regulations.
Aspek ketiga adalah governance outcome, yang mencerminkan The third aspect is governance outcome, which reflects
hasil dari penerapan struktur dan proses tata kelola yang the results of implementing an effective governance structure
efektif. Outcome tata kelola tercermin dalam terjaganya and process. Governance outcomes are reflected through
kinerja OK BANK yang sehat, meningkatnya kualitas layanan, the maintenance of OK BANK’s sound performance, improved
serta terpeliharanya kepercayaan pemangku kepentingan service quality, and the preservation of stakeholder trust in
terhadap keberlangsungan usaha Bank. Melalui evaluasi yang the Bank’s business continuity. Through regular evaluations,
dilakukan secara berkala, OK BANK mampu menilai efektivitas OK BANK is able to assess the effectiveness of governance
penerapan tata kelola, mengidentifikasi area perbaikan, serta implementation, identify areas for improvement, and ensure
memastikan keberlanjutan praktik tata kelola yang mendukung the sustainability of governance practices that support
pertumbuhan usaha jangka panjang. long-term business growth.
Penilaian mengenai penerapan tata kelola dilakukan The assessment of governance implementation is
dengan mengacu pada POJK Nomor 17 Tahun 2023 tentang carried out with reference to POJK Number 17 of 2023 on
Penerapan Tata Kelola Bagi Bank Umum dan SEOJK the Implementation of Governance for Commercial Banks and
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TATA KELOLA PERUSAHAAN
Corporate Governance
Nomor 14/SEOJK.03/2025 tentang Penerapan Tata Kelola SEOJK Number 14/SEOJK.03/2025 on the Implementation of
Bagi Bank Umum yang isinya mengukur pelaksanaan tata Governance for Commercial Banks, which measure governance
kelola dari 15 (lima belas) aspek yaitu: implementation across 15 (fifteen) aspects, as follows:
1. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 1. Implementation of duties and responsibilities of the Board
of Commissioners;
2. Pelaksanaan tugas dan tanggung jawab Direksi; 2. Implementation of duties and responsibilities of the Board
of Directors;
3. Kelengkapan dan pelaksanaan tugas Komite; 3. Completeness and implementation of Committee duties;
4. Penanganan benturan kepentingan; 4. Handling of conflicts of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of the compliance function;
6. Penerapan fungsi audit intern; 6. Implementation of the internal audit function;
7. Penerapan fungsi audit ekstern; 7. Implementation of the external audit function;
8. Penerapan manajemen risiko, termasuk sistem 8. Implementation of risk management, including the internal
pengendalian intern; control system;
9. Pemberian remunerasi; 9. Provision of remuneration;
10. Penyediaan dana kepada pihak terkait (related parties) dan 10. Provision of funds to related parties and large exposures;
penyediaan dana besar (large exposure);
11. Integritas pelaporan dan sistem teknologi informasi; 11. Integrity of reporting and information technology systems;
12. Aspek Pemegang Saham; 12. Shareholder aspects;
13. Rencana Strategis Bank; 13. Bank’s Strategic Plan;
14. Penerapan strategi anti-fraud, termasuk anti-penyuapan; 14. Implementation of anti-fraud strategies, including
serta anti-bribery measures; and
15. Penerapan keuangan berkelanjutan, termasuk penerapan 15. Implementation of sustainable finance, including
tanggung jawab sosial dan lingkungan. the application of social and environmental responsibility.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) menjadi forum penting The General Meeting of Shareholders (GMS) serves as
bagi Pemegang Saham untuk menilai arah pengelolaan an important forum for Shareholders to assess OK BANK’s
OK BANK dan memberikan persetujuan terhadap rencana management direction and to approve strategic plans
strategis yang diusulkan manajemen. Dalam forum ini, proposed by management. In this forum, transparency is
transparansi menjadi perhatian utama agar setiap keputusan the main focus to ensure that every resolution has a clear
memiliki dasar yang jelas dan dapat dipahami seluruh Pemegang basis and can be understood by all Shareholders. Through
Saham. Melalui mekanisme tersebut, hubungan antara this mechanism, the relationship between Shareholders
Pemegang Saham dan pengurus OK BANK dapat terjaga and OK BANK’s management can be maintained in
secara sehat. a healthy manner.
RUPS Tahunan diselenggarakan untuk membahas laporan The Annual GMS is held to review OK BANK’s performance over
kinerja OK BANK selama 1 (satu) tahun penuh, termasuk a full year, including the Financial Statements, profit distribution,
Laporan Keuangan, distribusi laba, dan evaluasi terhadap and an evaluation of the effectiveness of management policies.
efektivitas kebijakan manajemen. Agenda tahunan ini menjadi This annual agenda provides an opportunity to assess whether
momen untuk menilai apakah strategi yang dijalankan sudah the strategies implemented have delivered results in line with
memberikan hasil sesuai harapan Pemegang Saham. Selain itu, Shareholders expectations. In addition, the appointment of
penetapan auditor independen dan sejumlah keputusan penting independent auditors and several other important resolutions
lain juga dibahas dalam forum yang digelar secara rutin ini. are also discussed in this regularly held forum.
Sementara itu, RUPS Luar Biasa digelar saat OK BANK perlu Meanwhile, an Extraordinary GMS is held when OK BANK
mendapatkan persetujuan Pemegang Saham atas keputusan needs to obtain Shareholders approval for urgent resolutions.
yang bersifat mendesak. Situasi tertentu, seperti perubahan Certain situations, such as changes in capital, organizational
modal, restrukturisasi organisasi, atau aksi korporasi lain restructuring, or other corporate actions, require approval
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memerlukan persetujuan yang tidak dapat menunggu rapat that cannot wait until the next annual meeting. Through this
tahunan berikutnya. Dengan adanya forum luar biasa ini, extraordinary forum, OK BANK can respond proactively to
OK BANK dapat bertindak responsif terhadap dinamika bisnis business dynamics without compromising accountability to its
tanpa mengurangi akuntabilitas kepada Pemegang Saham. Shareholders.
Dasar Hukum Penyelenggaraan RUPS Legal Basis for Organizing GMS
Dalam melaksanakan RUPS, OK BANK mengacu pada In conducting the GMS, OK BANK refers to several laws and
beberapa peraturan perundang-undangan yang diuraikan regulations, which are outlined as follows:
sebagai berikut:
1. Undang-Undang Nomor 40 Tahun 2007 tentang Perseroan 1. Law Number 40 of 2007 on Limited Liability Companies;
Terbatas;
2. POJK Nomor 15/POJK.04/2020 tentang Rencana dan 2. POJK Number 15/POJK.04/2020 on the Planning and
Penyelenggaraan Rapat Umum Pemegang Saham Implementation of General Meetings of Shareholders of
Perusahaan Terbuka; serta Public Companies; and
3. POJK Nomor 14 tahun 2025 tentang Pelaksanaan Rapat 3. POJK Number 14 of 2025 on the Electronic Implementation
Umum Pemegang Saham, Rapat Umum Pemegang Obligasi, of General Meetings of Shareholders, General Meetings of
dan Rapat Umum Pemegang Sukuk Secara Elektronik. Bondholders, and General Meetings of Sukuk Holders.
Hak dan Wewenang Pemegang Saham dalam Rights and Authorities of Shareholders at
RUPS the GMS
Dalam penyelenggaraan RUPS, Pemegang Saham memiliki In convening the GMS, Shareholders hold a position that
posisi yang menentukan arah dan keberlanjutan OK BANK melalui determines the direction and sustainability of OK BANK
keterlibatan Pemegang Saham dalam proses pengambilan through their engagement in strategic resolution-adoption
keputusan strategis. Kedudukan ini menempatkan Pemegang process. This position gives Shareholders the authority to
Saham sebagai pihak yang memiliki otoritas untuk menilai, assess, guide, and approve various policies that impact
mengarahkan, dan memberikan persetujuan terhadap berbagai the management of OK BANK. Through a transparent and
kebijakan yang berdampak pada pengelolaan OK BANK. Melalui structured GMS mechanism, Shareholders can perform their
mekanisme RUPS yang transparan dan terstruktur, Pemegang role optimally to ensure that corporate governance is conducted
Saham dapat menjalankan perannya secara optimal guna properly, with integrity, and in alignment with the Bank’s
memastikan bahwa tata kelola perusahaan berjalan dengan long-term interests.
baik, berintegritas, dan sejalan dengan kepentingan jangka
panjang Bank.
RUPS memiliki kewenangan yang diatur dalam Anggaran The authority of the GMS is regulated in the Articles of
Dasar sebagaimana diuraikan berikut: Association, as outlined below:
1. Memberikan persetujuan atas Laporan Tahunan mengenai 1. Approving the Annual Report on OK BANK’s business
jalannya aktivitas usaha OK BANK serta Laporan Kegiatan activities as well as the Supervisory Report of the Board of
Pengawasan Dewan Komisaris selama tahun buku Commissioners for the relevant fiscal year, both of which
tersebut yang dimuat dalam Laporan Tahunan Perseroan; are included in the Company’s Annual Report;
2. Menyetujui perubahan Anggaran Dasar; 2. Approving amendments to the Articles of Association;
3. Memberikan persetujuan atas usulan penggunaan laba 3. Approving proposals for the appropriation of OK BANK’s
OK BANK; profits;
4. Melakukan penunjukan atau memberikan kewenangan 4. Appointing or granting authority to the Board of
kepada Dewan Komisaris untuk menunjuk Akuntan Publik Commissioners to appoint a Public Accountant for
untuk tahun berjalan; the current year;
5. Mengangkat dan/atau memberhentikan anggota Direksi 5. Appointing and/or dismissing members of OK BANK’s
dan Dewan Komisaris OK BANK; Board of Directors and Board of Commissioners;
6. Menentukan remunerasi untuk anggota Direksi dan Dewan 6. Determining remuneration for members of the Board of
Komisaris; serta Directors and the Board of Commissioners; and
7. Menyetujui mata acara lain dalam RUPS yang diusulkan 7. Approving other agenda items proposed in the GMS
sesuai dengan ketentuan Anggaran Dasar dan peraturan in accordance with the provisions of the Articles of
perundang-undangan yang berlaku. Association and applicable laws and regulations.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pemegang Saham juga memiliki hak yang diuraikan Shareholders also have the following rights:
sebagai berikut:
1. Mengajukan usulan agenda RUPS sesuai ketentuan 1. Proposing GMS agenda items in accordance with
yang berlaku dalam Anggaran Dasar dan peraturan the provisions stipulated in the Articles of Association and
perundang-undangan yang berlaku; applicable laws and regulations;
2. Dalam setiap mata acara RUPS, Pemegang Saham 2. Being given the opportunity in each GMS agenda item
diberi kesempatan untuk mengajukan pertanyaan to ask questions and/or express opinions related to
dan/atau menyatakan pendapatnya terkait dengan materi the matters discussed at the GMS;
agenda RUPS;
3. Menyetujui penambahan Modal Dasar dan/atau Modal 3. Approving the increase of Authorized Capital and/or Issued
Disetor dan Ditempatkan; and Paid-Up Capital;
4. Menyetujui transaksi material berdasarkan batas kewenangan 4. Approving material transactions within the authority limits
yang diatur dalam peraturan perundang-undangan dan/atau stipulated in the applicable laws and regulations and/or
perubahan kegiatan usaha; changing the company's business activities;
5. Menyetujui pengeluaran saham baru dalam simpanan 5. Approving the issuance of new shares in the portfolio;
(portepel);
6. Menyetujui rencana untuk memperoleh dan menggunakan 6. Approving plans for obtaining and utilizing funds from
hasil dari kegiatan-kegiatan pendanaan; serta financing activities; and
7. Khusus untuk transaksi yang mengandung benturan 7. Specifically for transactions involving conflicts of interest,
kepentingan, maka wajib disetujui oleh Pemegang Saham such transactions must be approved by Independent
Independen atau wakilnya yang diberikan kewenangan Shareholders or their authorized representatives appointed
dalam RUPS. in the GMS.
Perlakuan Setara kepada Pemegang Saham Equal Treatment of Shareholders
[ESG G-08] [ESG G-08]
Perlakuan setara kepada Pemegang Saham menjadi prinsip Equal treatment of Shareholders is an important principle
penting yang memastikan setiap pihak memperoleh hak yang that ensures every party receives the same rights without
sama tanpa perbedaan perlakuan. Seluruh informasi terkait discrimination. All information related to OK BANK’s condition
kondisi OK BANK disampaikan secara terbuka agar setiap is disclosed openly so that each Shareholders can make
Pemegang Saham dapat mengambil keputusan dengan decisions based on equal knowledge. This approach helps
dasar pengetahuan yang setara. Pendekatan ini membantu create a fair environment, ensuring that all capital owners feel
menciptakan suasana yang adil sehingga seluruh pemilik modal they have the same opportunity to follow the developments of
merasa memiliki kesempatan yang sama dalam mengikuti OK BANK.
perkembangan OK BANK.
OK BANK menjaga mekanisme komunikasi yang konsisten OK BANK maintains a consistent communication mechanism
agar Pemegang Saham dapat menerima informasi penting to ensure shareholders receive important information in
secara tepat waktu. Setiap keputusan strategis disampaikan a timely manner. Every strategic decision is communicated
melalui prosedur resmi sehingga tidak ada pihak yang merasa through official procedures so that no party feels neglected.
diabaikan. Dengan landasan tersebut, hubungan antara On this foundation, the relationship between OK BANK and
OK BANK dan Pemegang Saham dapat terjaga secara harmonis its Shareholders can be maintained harmoniously, supporting
serta mendukung terciptanya tata kelola yang sehat. the establishment of sound corporate governance.
Pelaksanaan RUPS Tahun 2025 Implementation of the 2025 GMS
Sepanjang tahun 2025, OK BANK menyelenggarakan RUPSLB Throughout 2025, OK BANK held EGMS on February 19, 2025,
pada tanggal 19 Februari 2025 dan 1 Oktober 2025, serta RUPST and October 1, 2025, as well as the AGMS and EGMS on
dan RUPSLB pada tanggal 22 Mei 2025. Seluruh RUPS tersebut May 22, 2025. All GMS meetings were conducted at PT Bank
diselenggarakan di Gedung PT Bank Oke Indonesia, Tbk. Oke Indonesia, Tbk. Building, 1st Floor, Jl. Ir. H. Juanda No. 12,
Lantai 1, Jl. Ir. H. Juanda No. 12, Jakarta Pusat 10120. Central Jakarta 10120. More detailed information regarding
Informasi lebih lengkap mengenai penyelenggaraan RUPS the conduct of the GMS is outlined as follows:
diuraikan sebagai berikut:
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Peserta RUPSLB
EGMS Participants
19 FEBRUARI 2025
February 19, 2025
Dewan Komisaris
Board of Commissioners
Sondang Martha Samosir Chairudin
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Hadir / Present Hadir / Present
Direksi
Board of Director
Hendra Lie Vincentia M. Djuniwati Wijaya Efdinal Alamsyah
Wakil Direktur Utama Direktur Bisnis Direktur Kepatuhan
Vice President Director Director of Business Director of Compliance
Hadir / Present Hadir / Present Hadir / Present
Peserta RUPST dan RUPSLB
AGMS and EGMS Participants
22 MEI 2025
May 22, 2025
Dewan Komisaris
Board of Commissioners
Sondang Martha Samosir Chairudin
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Hadir / Present Hadir / Present
Direksi
Board of Director
Hendra Lie Vincentia M. Djuniwati Wijaya Efdinal Alamsyah
Wakil Direktur Utama Direktur Bisnis Direktur Kepatuhan
Vice President Director Director of Business Director of Compliance
Hadir / Present Hadir / Present Hadir / Present
Peserta RUPSLB
EGMS Participants
1 OKTOBER 2025
October 1, 2025
Dewan Komisaris
Board of Commissioners
Sang Ton Sim Sondang Martha Samosir Chairudin
Komisaris Utama Komisaris Independen Komisaris Independen
President Commissioner Independent Commissioner Independent Commissioner
Hadir / Present Hadir / Present Hadir / Present
Direksi
Board of Director
Kang Bong Joo Hendra Lie Vincentia M. Djuniwati Wijaya Jong Ha Lee Efdinal Alamsyah
Direktur Utama Wakil Direktur Utama Direktur Bisnis Direktur Kredit Direktur Kepatuhan
President Director Vice President Director Director of Business Director of Credit Director of Compliance
Hadir / Present Hadir / Present Hadir / Present Hadir / Present Hadir / Present
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pemegang Saham
Shareholders
RUPSLB
EGMS
19 Februari 2025
February 19, 2025
RUPSLB dihadiri oleh Pemegang Saham dan/atau kuasa Pemegang The EGMS was attended by Shareholders and/or their proxies
Saham yang seluruhnya mewakili 15.288.699.943 (lima belas miliar representing a total of 15,288,699,943 (fifteen billion two hundred
dua ratus delapan puluh delapan juta enam ratus sembilan puluh eighty-eight million six hundred ninety-nine thousand nine hundred
sembilan ribu sembilan ratus empat puluh tiga) lembar saham atau forty-three) shares, or 90.593% (ninety point five nine three percent) of
90,593% (sembilan puluh koma lima sembilan tiga persen) dari jumlah OK BANK’s issued shares totaling 17,037,792,274 (seventeen billion
saham yang dikeluarkan OK BANK sebanyak 17.037.792.274 (tujuh thirty-seven million seven hundred ninety-two thousand two hundred
belas miliar tiga puluh tujuh juta tujuh ratus sembilan puluh dua seventy-four) shares. However, 161,500,000 (one hundred sixty-one
ribu dua ratus tujuh puluh empat) lembar saham. Namun sebanyak million five hundred thousand) shares did not carry voting rights,
161.500.000 (seratus enam puluh satu juta lima ratus ribu) lembar bringing the total number of shares with voting rights to 16,876,292,274
saham tidak mempunyai hak suara, sehingga jumlah seluruh saham (sixteen billion eight hundred seventy-six million two hundred ninety-two
dengan hak suara sebesar 16.876.292.274 (enam belas miliar delapan thousand two hundred seventy-four) shares.
ratus tujuh puluh enam juta dua ratus sembilan puluh dua ribu dua ratus
tujuh puluh empat) lembar saham.
RUPST dan RUPSLB
AGMS and EGMS
22 Mei 2025
May 22, 2025
RUPST dihadiri oleh Pemegang Saham dan/atau kuasa Pemegang Saham The AGMS was attended by Shareholders and/or their proxies
yang seluruhnya mewakili 15.288.871.661 (lima belas miliar dua ratus representing a total of 15,288,871,661 (fifteen billion two hundred
delapan puluh delapan juta delapan ratus tujuh puluh satu ribu enam eighty-eight million eight hundred seventy-one thousand six hundred
ratus enam puluh satu) lembar saham atau 90,593% (sembilan puluh sixty-one) shares, or 90.593% (ninety point five nine three percent) of
koma lima sembilan tiga persen) dari jumlah saham yang dikeluarkan OK BANK’s issued shares totaling 17,037,792,274 (seventeen billion
OK BANK sebanyak 17.037.792.274 (tujuh belas miliar tiga puluh tujuh thirty-seven million seven hundred ninety-two thousand two hundred
juta tujuh ratus sembilan puluh dua ribu dua ratus tujuh puluh empat) seventy-four) shares. However, 161,500,000 (one hundred sixty-one
lembar saham, namun sebanyak 161.500.000 (seratus enam puluh satu million five hundred thousand) shares did not carry voting rights, bringing
juta lima ratus ribu) lembar saham tidak mempunyai hak suara, sehingga the total number of shares with voting rights to 16,876,292,274 (sixteen
jumlah seluruh saham dengan hak suara sebesar 16.876.292.274 (enam billion eight hundred seventy-six million two hundred ninety-two thousand
belas miliar delapan ratus tujuh puluh enam juta dua ratus sembilan puluh two hundred seventy-four) shares.
dua ribu dua ratus tujuh puluh empat) lembar saham.
RUPSLB dihadiri oleh Pemegang Saham dan/atau kuasa Pemegang The EGMS was attended by Shareholders and/or their proxies
Saham yang seluruhnya mewakili 15.288.902.161 (lima belas miliar representing a total of 15,288,902,161 (fifteen billion two hundred
dua ratus delapan puluh delapan juta sembilan ratus dua ribu seratus eighty-eight million nine hundred two thousand one hundred sixty-
enam puluh satu) lembar saham atau 90,593% (sembilan puluh koma one) shares, or 90.593% (ninety point five nine three percent) of
lima sembilan tiga persen) dari jumlah saham yang dikeluarkan OK OK BANK’s issued shares totaling 17,037,792,274 (seventeen billion
BANK sebanyak 17.037.792.274 (tujuh belas miliar tiga puluh tujuh juta thirty-seven million seven hundred ninety-two thousand two hundred
tujuh ratus sembilan puluh dua ribu dua ratus tujuh puluh empat) lembar seventy-four) shares. However, 161,500,000 (one hundred sixty-one
saham, namun sebanyak 161.500.000 (seratus enam puluh satu juta million five hundred thousand) shares did not carry voting rights,
lima ratus ribu) lembar saham tidak mempunyai hak suara, sehingga bringing the total number of shares with voting rights to 16,876,292,274
jumlah seluruh saham dengan hak suara sebesar 16.876.292.274 (enam (sixteen billion eight hundred seventy-six million two hundred ninety-
belas miliar delapan ratus tujuh puluh enam juta dua ratus sembilan two thousand two hundred seventy-four) shares.
puluh dua ribu dua ratus tujuh puluh empat) lembar saham.
RUPSLB
EGMS
1 Oktober 2025
October 1, 2025
RUPSLB dihadiri oleh Pemegang Saham dan/atau kuasa Pemegang The EGMS was attended by Shareholders and/or their proxies
Saham yang seluruhnya mewakili 15.288.785.543 (lima belas miliar dua representing a total of 15,288,785,543 (fifteen billion two hundred
ratus delapan puluh delapan juta tujuh ratus delapan puluh lima ribu lima eighty-eight million seven hundred eighty-five thousand five hundred
ratus empat puluh tiga) lembar saham atau 90,593% (sembilan puluh forty-three) shares, or 90.593% (ninety point five nine three percent) of
koma lima sembilan tiga persen) dari jumlah saham yang dikeluarkan OK BANK’s issued shares totaling 17,037,792,274 (seventeen billion
OK BANK sebanyak 17.037.792.274 (tujuh belas miliar tiga puluh tujuh thirty-seven million seven hundred ninety-two thousand two hundred
juta tujuh ratus sembilan puluh dua ribu dua ratus tujuh puluh empat) seventy-four) shares. However, 161,500,000 (one hundred sixty-one
lembar saham, namun sebanyak 161.500.000 (seratus enam puluh satu million five hundred thousand) shares did not carry voting rights, bringing
juta lima ratus ribu) lembar saham tidak mempunyai hak suara, sehingga the total number of shares with voting rights to 16,876,292,274 (sixteen
jumlah seluruh saham dengan hak suara sebesar 16.876.292.274 (enam billion eight hundred seventy-six million two hundred ninety-two thousand
belas miliar delapan ratus tujuh puluh enam juta dua ratus sembilan puluh two hundred seventy-four) shares.
dua ribu dua ratus tujuh puluh empat) lembar saham.
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PT Bank Oke Indonesia, Tbk.
Pihak Independen Independent Party
Pihak Independen yang melakukan perhitungan suara The Independent Party responsible for counting the votes as
untuk dasar pengambilan keputusan rapat dilakukan oleh the basis for the meeting’s resolution was PT Ficomindo Buana
PT Ficomindo Buana Registrar selaku Biro Administrasi Efek. Registrar as the Securities Administration Bureau. Furthermore,
Selanjutnya, suara divalidasi oleh Dr. Agung Iriantoro, S.H., M.H., the votes were validated by Dr. Agung Iriantoro, S.H., M.H.,
Notaris di Jakarta. a Notary in Jakarta.
Keputusan dan Realisasi RUPSLB 19 Februari 2025
Resolutions and Realization of the EGMS on February 19, 2025
Agenda Pertama
First Agenda
Perubahan susunan pengurus PT Bank Oke Indonesia, Tbk. Changes in the composition of management of PT Bank Oke
Indonesia, Tbk.
Keputusan: Resolution:
1. Menyetujui untuk memberhentikan dengan hormat Sdr. Park 1. Approving the honorable dismissal of Mr. Park Young Man as President
Young Man, selaku Direktur Utama, yang akan berlaku efektif sejak Director, which would take effect upon the appointment of the new
pengangkatan Direktur Utama, Sdr. Kang Bong Joo telah dinyatakan President Director, Mr. Kang Bong Joo, after obtaining approval from
efektif telah memperoleh persetujuan dari OJK dan instansi lain OJK and other relevant authorities.
yang terkait.
2. Menyetujui untuk mengangkat Sdr. Kang Bong Joo, selaku Direktur 2. Approving the appointment of Mr. Kang Bong Joo as President
Utama, dan akan berlaku efektif setelah mendapatkan persetujuan Director, which would take effect after receiving approval from OJK or
dari OJK, atau instansi berwenang lainnya. other authorized institutions.
Dengan demikian susunan kepengurusan PT Bank Oke Indonesia, Tbk. Accordingly, the management structure of PT Bank Oke Indonesia, Tbk. is
menjadi: as follows:
Dewan Komisaris Board of Commissioners
Komisaris Utama : Sang Ton Sim President Commissioner : Sang Ton Sim
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
Komisaris Independen : Chairudin Independent Commissioner : Chairudin
Direksi Board of Directors
Direktur Utama* : Kang Bong Joo* President Director* : Kang Bong Joo*
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Bisnis : Vincentia M. Djuniwati Wjiaya Director of Business : Vincentia M. Djuniwati Wjiaya
Direktur Kredit* : Jong Ha Lee* Director of Credit* : Jong Ha Lee*
Direktur Kepatuhan : Efdinal Alamsyah Director of Compliance : Efdinal Alamsyah
* akan efektif setelah mendapatkan persetujuan dari OJK dan instansi berwenang * to take effect after obtaining approval from OJK and other relevant authorities.
lainnya.
Menyetujui pemberian kuasa kepada Direksi Perseroan untuk menyatakan Approving the granting of authority to the Board of Directors of
segala keputusan dalam Agenda Rapat dalam suatu akta notaris tersendiri, the Company to formalize all resolutions of the Meeting Agenda in
mengenai keputusan dalam Agenda Rapat tersebut di atas termasuk untuk a separate notarial deed, including reaffirming the outcomes of the above
menegaskan kembali hasil keputusan Rapat tersebut di atas. Meeting resolutions.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.288.699.943 (lima belas miliar dua ratus delapan Votes in favor totaled 15,288,699,943 (fifteen billion two hundred eighty-
puluh delapan juta enam ratus sembilan puluh sembilan ribu sembilan ratus eight million six hundred ninety-nine thousand nine hundred forty-three)
empat puluh tiga) lembar saham atau 100% (seratus persen). shares, or 100% (one hundred percent).
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TATA KELOLA PERUSAHAAN
Corporate Governance
Keputusan dan Realisasi RUPST 22 Mei 2025
Resolutions and Realization of the AGMS on May 22, 2025
Agenda Pertama
First Agenda
Persetujuan dan pengesahan Laporan Tahunan Perseroan tahun 2024 Approval and ratification of the Company’s 2024 Annual Report, including
termasuk Laporan Direksi tentang kinerja Perseroan untuk tahun buku the Board of Directors’ Report on the Company’s performance for
yang berakhir pada tanggal 31 Desember 2024, Laporan Pengawasan the financial year ending on December 31, 2024, the Board of
Komisaris, Laporan Posisi Keuangan dan Perhitungan Laba/Rugi untuk Commissioners’ Supervisory Report, the Statement of Financial
tahun buku yang berakhir tanggal 31 Desember 2024 dan pemberian Position and Profit/Loss Calculation for the financial year ending
pelunasan, serta pembebasan tanggung jawab (acquit et de charge) December 31, 2024, and the granting of discharge, and release of liability
kepada anggota Direksi dan Dewan Komisaris atas tindakan pengurusan (acquit et de charge) to the members of the Board of Directors and Board
dan pengawasan dalam tahun buku yang berakhir pada tanggal of Commissioners for their management and supervisory actions during
31 Desember 2024. the financial year ending December 31, 2024.
Keputusan: Resolution:
Menyetujui dan mengesahkan Laporan Tahunan Perseroan tahun 2024 Approving and ratifying the Company’s 2024 Annual Report, including:
termasuk:
1. Laporan Direksi tentang kinerja Perseroan dan Laporan Pengawasan 1. The Board of Directors’ Report on the Company’s performance and
Komisaris. the Board of Commissioners’ Supervisory Report.
2. Laporan Posisi Keuangan dan Perhitungan Laba/Rugi untuk 2. The Statement of Financial Position and Profit/Loss Calculation
tahun buku yang berakhir tanggal 31 Desember 2024 yang telah for the financial year ending December 31, 2024, which had been
diaudit oleh Kantor Akuntan Publik Paul Hadiwinata, Hidajat, audited by the Public Accounting Firm Paul Hadiwinata, Hidajat,
Arsono, Retno, Palilingan & Rekan sesuai dengan laporan Arsono, Retno, Palilingan & Partners in accordance with report
Nomor 00514/2.1133/AU.1/07/1192-1/1/III/2025, serta memberikan Number 00514/2.1133/AU.1/07/1192-1/1/III/2025, and granting full
pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et discharge and release of liability (acquit et de charge) to all members
de charge) bagi seluruh anggota Direksi atas tindakan pengurusan dan of the Board of Directors for their management actions and to
anggota Dewan Komisaris Perseroan atas tindakan pengawasannya the members of the Board of Commissioners for their supervisory
selama tahun buku 2024, sejauh tindakan tersebut tercermin dalam actions during the 2024 financial year, insofar as such actions were
Laporan Tahunan dan Laporan Keuangan. reflected in the Annual Report and Financial Statements.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.288.871.661 (lima belas miliar dua ratus delapan Votes in favor totaled 15,288,871,661 (fifteen billion two hundred eighty-
puluh delapan juta delapan ratus tujuh puluh satu ribu enam ratus enam eight million eight hundred seventy-one thousand six hundred sixty-one)
puluh satu) lembar saham atau 100% (seratus persen). shares, or 100% (one hundred percent).
Agenda Kedua
Second Agenda
Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir Determination of the use of the Company’s profits for the financial year
pada tanggal 31 Desember 2024. ending on December 31, 2024.
Keputusan: Resolution:
Menyetujui penetapan penggunaan laba Perseroan untuk tahun buku yang Approving the determination of the use of the Company’s profits for
berakhir pada tanggal 31 Desember 2024, sebesar Rp49.987.999.943 the financial year ending December 31, 2024, amounting to
(empat puluh sembilan miliar sembilan ratus delapan puluh tujuh juta Rp49,987,999,943 (forty-nine billion nine hundred eighty-seven million
sembilan ratus sembilan puluh sembilan ribu sembilan ratus empat nine hundred ninety-nine thousand nine hundred forty-three Rupiah),
puluh tiga Rupiah) serta pemberian kuasa kepada Direksi Perseroan and granting authority to the Company’s Board of Directors to take all
untuk melakukan segala tindakan yang diperlukan, sebagaimana telah necessary actions, as outlined below:
dikemukakan sebagai berikut:
1. Sampai dengan 20% (dua puluh persen) disisihkan sebagai cadangan. 1. Up to 20% (twenty percent) to be allocated as reserves.
2. Sisanya masuk ke saldo laba ditahan untuk memperkuat struktur 2. The remaining amount to be added to retained earnings to strengthen
permodalan Perseroan. the Company’s capital structure.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.288.871.661 (lima belas miliar dua ratus delapan Votes in favor totaled 15,288,871,661 (fifteen billion two hundred eighty-
puluh delapan juta delapan ratus tujuh puluh satu ribu enam ratus enam eight million eight hundred seventy-one thousand six hundred sixty-one)
puluh satu) lembar saham atau 100% (seratus persen). shares, or 100% (one hundred percent).
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Agenda Ketiga
Third Agenda
Penunjukan Akuntan Publik yang akan memeriksa Laporan Keuangan Appointment of a Public Accountant to Audit the Company’s Financial
Perseroan untuk tahun buku yang akan berakhir pada tanggal Statements for the financial year ending December 31, 2025.
31 Desember 2025.
Keputusan: Resolution:
Menyetujui penunjukan Akuntan Publik dan Kantor Akuntan Publik yang Approving the appointment of Public Accountant and Public Accounting
akan memeriksa Laporan Keuangan yang akan berakhir pada tanggal Firm to audit the Financial Statements for the financial year ending
31 Desember 2025, yang penunjukannya dikuasakan kepada Dewan December 31, 2025, with the appointment authority granted to the Board
Komisaris termasuk namun tidak terbatas pada besaran honorariumnya. of Commissioners, including, but not limited to, determining
Penunjukan Akuntan Publik harus memperhatikan rekomendasi dari the amount of fees. The appointment of Public Accountant must consider
Komite Audit. the recommendations of the Audit Committee.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.288.871.661 (lima belas miliar dua ratus delapan Votes in favor totaled 15,288,871,661 (fifteen billion two hundred eighty-
puluh delapan juta delapan ratus tujuh puluh satu ribu enam ratus enam eight million eight hundred seventy-one thousand six hundred sixty-one)
puluh satu) lembar saham atau 100% (seratus persen). shares, or 100% (one hundred percent).
Agenda Keempat
Fourth Agenda
Penetapan gaji dan honorarium Direksi dan Dewan Komisaris PT Bank Determination of salaries and honoraria for the Board of Directors and
Oke Indonesia, Tbk. Board of Commissioners of PT Bank Oke Indonesia, Tbk.
Keputusan: Resolution:
Menyetujui penetapan gaji dan honorarium Direksi dan Dewan Komisaris Approving the determination of salaries and honoraria for the Board
PT Bank Oke Indonesia, Tbk., dengan memberikan kuasa serta wewenang of Directors and Board of Commissioners of PT Bank Oke Indonesia,
kepada Dewan Komisaris untuk melakukan peninjauan kembali besarnya Tbk. and granting authority to the Board of Commissioners to review
gaji dan honorarium bagi anggota Direksi dan Dewan Komisaris and adjust the amount of salaries and honoraria for the members of
Perseroan. the Board of Directors and Board of Commissioners of the Company.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.288.871.661 (lima belas miliar dua ratus delapan Votes in favor totaled 15,288,871,661 (fifteen billion two hundred eighty-
puluh delapan juta delapan ratus tujuh puluh satu ribu enam ratus enam eight million eight hundred seventy-one thousand six hundred sixty-one)
puluh satu) lembar saham atau 100% (seratus persen). shares, or 100% (one hundred percent).
Keputusan dan Realisasi RUPSLB 22 Mei 2025
Resolutions and Realization of the EGMS on May 22, 2025
Agenda Pertama
First Agenda
Pengangkatan kembali anggota pengurus PT Bank Oke Indonesia, Tbk. Reappointment of management members of PT Bank Oke Indonesia, Tbk.
Keputusan: Resolution:
1. Menyetujui pengangkatan kembali: 1. Approving the reappointment of:
a. Sdri. Sondang Martha Samosir, sebagai Komisaris Independen a. Ms. Sondang Martha Samosir as the Company’s Independent
Perseroan; Commissioner;
b. Sdr. Hendra Lie, sebagai Wakil Direktur Utama Perseroan; b. Mr. Hendra Lie as the Company’s Vice President Director;
c. Sdr. Efdinal Alamsyah, sebagai Direktur Kepatuhan Perseroan. c. Mr. Efdinal Alamsyah as the Company’s Director of Compliance.
Pengangkatan berlaku efektif sejak RUPSLB ini ditutup, tanpa The appointments are effective since the closing of this EGMS,
mengurangi hak Pemegang Saham untuk memberhentikan without prejudice to the Shareholders’ rights to dismiss at any time in
sewaktu-waktu sesuai dengan ketentuan yang berlaku. accordance with the applicable provisions.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Agenda Pertama
First Agenda
2. Dengan demikian susunan kepengurusan PT Bank Oke Indonesia, Tbk. 2. Accordingly, the management structure of PT Bank Oke Indonesia, Tbk. is
menjadi: as follows:
Dewan Komisaris Board of Commissioners
Komisaris Utama : Sang Ton Sim President Commissioner : Sang Ton Sim
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
Komisaris Independen : Chairudin Independent Commissioner : Chairudin
Direksi Board of Directors
Direktur Utama* : Kang Bong Joo* President Director* : Kang Bong Joo*
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Bisnis : Vincentia M. Djuniwati Wijaya Director of Business : Vincentia M. Djuniwati Wijaya
Direktur Kredit* : Jong Ha Lee* Director of Credit* : Jong Ha Lee*
Direktur Kepatuhan : Efdinal Alamsyah Director of Compliance : Efdinal Alamsyah
* akan efektif setelah mendapatkan persetujuan dari OJK dan instansi berwenang * to take effect after obtaining approval from OJK and other relevant authorities.
lainnya.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
• Suara setuju sebanyak 15.288.877.161 (lima belas miliar dua ratus • Votes in favor totaled 15,288,877,161 (fifteen billion two hundred
delapan puluh delapan juta delapan ratus tujuh puluh tujuh ribu seratus eighty-eight million eight hundred seventy-seven thousand one
enam puluh satu) lembar saham atau 99,999% (sembilan puluh hundred sixty-one) shares, or 99.999% (ninety-nine point nine nine
sembilan koma sembilan sembilan sembilan persen). nine percent).
• Suara tidak setuju sebanyak 25.000 (dua puluh lima ribu) lembar • Votes against totaled 25,000 (twenty-five thousand) shares, or
saham atau 0,0001% (nol koma nol nol nol satu persen). 0.0001% (zero point zero zero zero one percent).
Agenda Kedua
Second Agenda
Penetapan rencana pengalihan Saham Treasuri (Treasury Shares). Determination of the plan for the transfer of Treasury Shares.
Keputusan: Resolution:
Menyetujui pemberian kuasa kepada Direksi Perseroan untuk melakukan Approving the granting of authority to the Company’s Board of Directors
pengalihan Saham Treasuri, termasuk tata cara dan segala hal terkait to carry out the transfer of Treasury Shares, including the procedures and
pengalihan saham tersebut. all matters related to the transfer of such shares.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
• Suara setuju sebanyak 15.288.901.661 (lima belas miliar dua ratus • Votes in favor totaled 15,288,901,661 (fifteen billion two hundred
delapan puluh delapan juta sembilan ratus satu ribu enam ratus enam eighty-eight million nine hundred one thousand six hundred sixty-one)
puluh satu) lembar saham atau 99,999% (sembilan puluh sembilan shares, or 99.999% (ninety-nine point nine nine nine nine percent).
koma sembilan sembilan sembilan persen).
• Suara abstain sebanyak 500 (lima ratus) lembar saham atau 0,000% • Abstentions totaled 500 (five hundred) shares, or 0.000% (zero point
(nol koma nol nol nol persen). zero zero zero percent).
Agenda Ketiga
Third Agenda
Persetujuan rencana Aksi Pemulihan (Recovery Plan). Approval of the Recovery Plan.
Keputusan: Resolution:
Menyetujui rencana Aksi Pemulihan (Recovery Plan) dan perubahannya Approving the Recovery Plan and any changes (if any) which had been
(jika ada) yang telah disampaikan oleh Perseroan kepada OJK pada submitted by the Company to OJK on November 12, 2024.
tanggal 12 November 2024.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
• Suara setuju sebanyak 15.288.876.661 (lima belas miliar dua ratus • Votes in favor totaled 15,288,876,661 (fifteen billion two hundred
delapan puluh delapan juta delapan ratus tujuh puluh enam ribu enam eighty-eight million eight hundred seventy-six thousand six hundred
ratus enam puluh satu) lembar saham atau 99,999% (sembilan puluh sixty-one) shares, or 99.999% (ninety-nine point nine nine nine
sembilan koma sembilan sembilan sembilan persen). percent)
• Suara abstain sebanyak 25.500 (dua puluh lima ribu lima ratus) lembar
saham atau 0,0001% (nol koma nol nol nol satu persen). • Abstentions totaled 25,500 (twenty-five thousand five hundred)
shares, or 0.0001% (zero point zero zero zero one percent).
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Keputusan dan Realisasi RUPSLB 1 Oktober 2025
Resolutions and Realization of the EGMS on October 1, 2025
Agenda Pertama
First Agenda
Pengalihan Saham Treasuri PT Bank Oke Indonesia, Tbk. berdasarkan Transfer of Treasury Shares of PT Bank Oke Indonesia, Tbk. in accordance
POJK Nomor 29/POJK.04/2023 tentang Pembelian Kembali Saham yang with POJK Number 29/POJK.04/2023 on the Buyback of Shares Issued
Dikeluarkan oleh Perusahaan Terbuka. by a Public Company.
Keputusan: Resolution:
1. Menyetujui pengalihan Saham Treasuri dilakukan dengan ditarik 1. Approving the transfer of Treasury Shares to be carried out through
kembali dengan cara pengurangan modal berdasarkan Pasal 21 a cancellation mechanism by reducing the capital in accordance
POJK Nomor 29/POJK.04/2023 tentang Pembelian Kembali Saham with Article 21 of POJK Number 29/POJK.04/2023 on the Buyback
yang Dikeluarkan oleh Perusahaan Terbuka serta memberikan kuasa of Shares Issued by a Public Company, and granting authority to
kepada Direksi Perseroan untuk melakukan segala tindakan yang the Company’s Board of Directors to take all necessary actions
diperlukan sehubungan dengan tata cara dan segala hal terkait regarding the procedures and all matters related to the transfer of
pengalihan saham tersebut. such shares.
2. Menyetujui perubahan Anggaran Dasar Perseroan termasuk tetapi 2. Approving amendments to the Company’s Articles of Association,
tidak terbatas pada perubahan Pasal 4 ayat 2 Anggaran Dasar including but not limited to changes to Article 4, paragraph 2 of the Articles
Perseroan sehubungan dengan pengurangan Modal Ditempatkan dan of Association in connection with the reduction of the Company’s Issued
Disetor Perseroan sesuai dengan hasil pengalihan Saham Treasuri and Paid-Up Capital pursuant to the results of the Treasury Shares
melalui mekanisme ditarik kembali dengan cara pengurangan modal. transfer through the cancellation mechanism by reducing capital.
Sebelumnya, Modal Dasar Perseroan telah ditempatkan dan disetor Previously, the Company’s Authorized Capital had been fully issued
penuh 56,79% (lima puluh enam koma tujuh sembilan persen) and paid-up at 56.79% (fifty-six point seven nine percent), totaling
sejumlah 17.037.792.274 (tujuh belas miliar tiga puluh tujuh juta tujuh 17,037,792,274 (seventeen billion thirty-seven million seven hundred
ratus sembilan puluh dua ribu dua ratus tujuh puluh empat) saham, atau ninety-two thousand two hundred seventy-four) shares, with a total
dengan nilai nominal seluruhnya sebesar Rp1.703.779.227.400,00, nominal value of Rp1,703,779,227,400.00 (one trillion seven hundred
(satu triliun tujuh ratus tiga miliar tujuh ratus tujuh puluh sembilan juta three billion seven hundred seventy-nine million two hundred twenty-
dua ratus dua puluh tujuh ribu empat ratus Rupiah) sehingga untuk seven thousand four hundred Rupiah). Henceforth, the wording
selanjutnya bunyi Pasal 4 ayat 2 Anggaran Dasar Perseroan menjadi of Article 4, paragraph 2 of the Company’s Articles of Association
sebagai berikut: Dari Modal Dasar tersebut telah ditempatkan dan should read as follows: From the Authorized Capital, 56.307% (fifty-
disetor penuh 56,307% (lima puluh enam koma tiga nol tujuh persen) six point three zero seven percent) totaling 16,892,391,185 (sixteen
sejumlah 16.892.391.185 saham (enam belas miliar delapan ratus billion eight hundred ninety-two million three hundred ninety-one
sembilan puluh dua juta tiga ratus sembilan puluh satu ribu seratus thousand one hundred eighty-five) shares had been fully issued
delapan puluh lima), atau dengan nilai nominal seluruhnya sebesar and paid-up, with a total nominal value of Rp1,689,239,118,500.00
Rp1.689.239.118.500,00 (satu triliun enam ratus delapan puluh (one trillion six hundred eighty-nine billion two hundred thirty-nine
sembilan miliar dua ratus tiga puluh sembilan juta seratus delapan million one hundred eighteen thousand five hundred Rupiah) by
belas ribu lima ratus Rupiah) oleh para Pemegang Saham dengan the shareholders, with details and the nominal value of the shares as
rincian serta nilai nominal saham yang disebutkan pada akhir Akta ini. specified at the end of this deed.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.288.785.543 (lima belas miliar dua ratus Votes in favor totaled 15,288,785,543 (fifteen billion two hundred eighty-
delapan puluh delapan juta tujuh ratus delapan puluh lima ribu lima ratus eight million seven hundred eighty-five thousand five hundred forty-
empat puluh tiga) lembar saham atau 100% (seratus persen). three) shares, or 100% (one hundred percent).
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TATA KELOLA PERUSAHAAN
Corporate Governance
Keputusan dan Realisasi atas Keputusan RUPS Tahun 2024
Resolutions and Realization of the 2024 GMS Resolutions
RUPST 15 Mei 2024
AGMS on May 15, 2024
Agenda Pertama
First Agenda
Persetujuan dan pengesahan Laporan Tahunan Perseroan tahun 2023 Approval and ratification of the Company’s Annual Report for
termasuk Laporan Direksi tentang kinerja Perseroan untuk tahun buku the year 2023, including the Board of Directors’ Report on the Company’s
yang berakhir pada tanggal 31 Desember 2023, Laporan Pengawasan performance for the fiscal year ended December 31, 2023, the Board
Komisaris, Laporan Posisi Keuangan dan Perhitungan Laba/Rugi untuk of Commissioners’ Supervisory Report, the Statement of Financial
tahun buku yang berakhir tanggal 31 Desember 2023, dan pemberian Position and Statement of Profit/Loss for the fiscal year ended
pelunasan serta pembebasan tanggung jawab (acquit et de charge) December 31, 2023, and the granting of full release and discharge
kepada anggota Direksi dan Dewan Komisaris atas tindakan pengurusan (acquit et de charge) to the members of the Board of Directors and
dan pengawasan dalam tahun buku yang berakhir pada tanggal the Board of Commissioners for the management and supervisory
31 Desember 2023. actions carried out during the financial year ended December 31, 2023.
Keputusan: Resolution:
Menyetujui dan mengesahkan Laporan Tahunan Perseroan tahun 2023, Approving and ratifying the Company’s Annual Report for the year 2023,
termasuk: including:
1. Laporan Direksi tentang kinerja Perseroan dan Laporan Pengawasan 1. The Board of Directors’ Report on the Company’s performance and
Komisaris; serta the Board of Commissioners’ Supervisory Report; and
2. Laporan Posisi Keuangan dan Perhitungan Laba/Rugi untuk 2. The Statement of Financial Position and Statement of Profit/Loss
tahun buku yang berakhir tanggal 31 Desember 2023 yang telah for the fiscal year ended December 31, 2023, which had been
diaudit oleh Kantor Akuntan Publik Paul Hadiwinata, Hidajat, audited by the Public Accounting Firm Paul Hadiwinata, Hidajat,
Arsono, Retno, Palilingan & Rekan sesuai dengan laporan Arsono, Retno, Palilingan & Partners in accordance with report
Nomor 00339/2.1133/AU.1/07/1244-3/1/III/2024 serta memberikan Number 00339/2.1133/AU.1/07/1244-3/1/III/2024, and granted full
pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et release and discharge (acquit et de charge) to all members of the Board
de charge) bagi seluruh anggota Direksi atas tindakan pengurusan dan of Directors for their management actions and to members of the Board
anggota Dewan Komisaris Perseroan atas tindakan pengawasannya of Commissioners for their supervisory actions during the 2023 fiscal
selama tahun buku 2023, sejauh tindakan tersebut tercermin dalam year, to the extent that such actions were reflected in the Annual Report
Laporan Tahunan dan Laporan Keuangan. and Financial Statements.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.290.008.079 (lima belas miliar dua ratus Votes in favor totaled 15,290,008,079 (fifteen billion two hundred ninety
sembilan puluh juta delapan ribu tujuh puluh sembilan) lembar saham million eight thousand seventy-nine) shares or 100% (one hundred
atau 100% (seratus persen). percent).
Agenda Kedua
Second Agenda
Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir Determination of the appropriation of the Company’s profit for the fiscal
pada tanggal 31 Desember 2023. year ended December 31, 2023.
Keputusan: Resolution:
Menyetujui penetapan penggunaan laba Perseroan untuk tahun buku yang Approving the determination of the appropriation of the Company’s profit
berakhir pada tanggal 31 Desember 2023, sebesar Rp28.651.782.856,00 for the fiscal year ended December 31, 2023, amounting Rp28,651,782,856
(dua puluh delapan miliar enam ratus lima puluh satu juta tujuh ratus (twenty-eight billion six hundred fifty-one million seven hundred
delapan puluh dua ribu delapan ratus lima puluh enam rupiah) serta eighty-two thousand eight hundred fifty-six rupiah), and granting authority
pemberian kuasa kepada Direksi Perseroan untuk melakukan segala to the Board of Directors of the Company to take all necessary actions, as
tindakan yang diperlukan, sebagaimana telah dikemukakan sebagai berikut: presented below:
1. Sampai dengan 20% (dua puluh persen) disisihkan sebagai cadangan; serta 1. Up to 20% (twenty percent) to be allocated as reserves; and
2. Sisanya masuk ke saldo laba ditahan untuk memperkuat struktur 2. The remaining balance to be recorded as retained earnings to
permodalan Perseroan. strengthen the Company’s capital structure.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.290.008.079 (lima belas miliar dua ratus Votes in favor totaled 15,290,008,079 (fifteen billion two hundred ninety
sembilan puluh juta delapan ribu tujuh puluh sembilan) lembar saham million eight thousand seventy-nine) shares or 100% (one hundred
atau 100% (seratus persen). percent).
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PT Bank Oke Indonesia, Tbk.
Agenda Ketiga
Third Agenda
Penunjukan Akuntan Publik yang akan memeriksa Laporan Keuangan Appointment of Public Accountant to audit the Company’s Financial
Perseroan untuk tahun buku yang akan berakhir pada tanggal Statements for the fiscal year ending December 31, 2024.
31 Desember 2024.
Keputusan: Resolution:
Menyetujui penunjukan Akuntan Publik dan Kantor Akuntan Publik yang Approving the appointment of a Public Accountant and Public Accounting
akan memeriksa Laporan Keuangan yang akan berakhir pada tanggal Firm to audit the Financial Statements for the fiscal year ending
31 Desember 2024, yang penunjukannya dikuasakan kepada Dewan December 31, 2024, with the authority for such appointment, including
Komisaris termasuk namun tidak terbatas pada besaran honorariumnya. but not limited to determining the amount of remuneration, delegated to
Penunjukan Akuntan Publik harus memperhatikan rekomendasi dari the Board of Commissioners. The appointment of the Public Accountant
Komite Audit. should consider the recommendation from the Audit Committee.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.290.008.079 (lima belas miliar dua ratus Votes in favor totaled 15,290,008,079 (fifteen billion two hundred ninety
sembilan puluh juta delapan ribu tujuh puluh sembilan) lembar saham million eight thousand seventy-nine) shares or 100% (one hundred
atau 100% (seratus persen). percent).
Agenda Keempat
Fourth Agenda
Penetapan gaji dan honorarium Direksi dan Dewan Komisaris PT Bank Determination of salaries and honorarium for the Board of Directors and
Oke Indonesia, Tbk. the Board of Commissioners of PT Bank Oke Indonesia, Tbk.
Keputusan: Resolution:
Menyetujui penetapan gaji dan honorarium Direksi dan Dewan Komisaris Approving the determination of salaries and honorarium for the Board of
PT Bank Oke Indonesia, Tbk., dengan memberikan kuasa serta wewenang Directors and the Board of Commissioners of PT Bank Oke Indonesia, Tbk.,
kepada Dewan Komisaris untuk melakukan peninjauan kembali besarnya by granting the authority and power to the Board of Commissioners
gaji dan honorarium bagi anggota Direksi dan Dewan Komisaris to review and adjust the amount of salaries and honorarium for
Perseroan. members of the Board of Directors and the Board of Commissioners of
the Company.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.290.008.079 (lima belas miliar dua ratus Votes in favor totaled 15,290,008,079 (fifteen billion two hundred ninety
sembilan puluh juta delapan ribu tujuh puluh sembilan) lembar saham million eight thousand seventy-nine) shares or 100% (one hundred
atau 100% (seratus persen). percent).
RUPSLB 15 Mei 2024
EGMS on May 15, 2024
Agenda Pertama
First Agenda
Perubahan susunan Pengurus PT Bank Oke Indonesia, Tbk. Changes in the Management Composition of PT Bank Oke Indonesia, Tbk.
Keputusan: Resolution:
1. Menyetujui untuk memberhentikan dengan hormat Sdr. Lim Cheol Jin, 1. Approving the honorable discharge of Mr. Lim Cheol Jin as President
selaku Komisaris Utama, dan berlaku efektif sejak RUPSLB ini ditutup. Commissioner, effective as of the closing of this EGMS.
2. Menyetujui pengunduran diri Sdr. Inhyo Wang selaku Direktur Kredit 2. Approving the resignation of Mr. Inhyo Wang as Director of Credit and
dan IT, dan berlaku efektif sejak RUPSLB ini ditutup. IT, effective as of the closing of this EGMS.
3. Menyetujui untuk mengangkat Sdr. Sang Ton Sim selaku Komisaris 3. Approving the appointment of Mr. Sang Ton Sim as President
Utama dan akan berlaku efektif setelah mendapatkan persetujuan dari Commissioner, which would become effective upon obtaining approval
dari Otoritas Jasa Keuangan (OJK), dan instansi berwenang lainnya. from the Financial Services Authority (OJK), and other relevant authorities.
4. Dengan demikian susunan kepengurusan PT Bank Oke Indonesia, Tbk. 4. Accordingly, the composition of the management of PT Bank Oke
menjadi: Indonesia, Tbk. should be as follows:
Dewan Komisaris Board of Commissioners
Komisaris Utama* : Sang Ton Sim* President Commissioner* : Sang Ton Sim*
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
Komisaris Independen : Chairudin Independent Commissioner : Chairudin
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TATA KELOLA PERUSAHAAN
Corporate Governance
Agenda Pertama
First Agenda
Direksi Board of Directors
Direktur Utama : Park Young Man President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Bisnis : Vincentia M. Djuniwati Wijaya Director of Business : Vincentia M. Djuniwati Wijaya
Direktur Kepatuhan : Efdinal Alamsyah Director of Compliance : Efdinal Alamsyah
* akan efektif setelah mendapatkan persetujuan dari OJK dan instansi * would become effective upon obtaining approval from OJK and other
berwenang lainnya. relevant authorities.
Menyetujui pemberian kuasa kepada Direksi Perseroan untuk menyatakan Approving the granting of authority to the Company’s Board of Directors to
segala keputusan dalam agenda rapat dalam suatu akta notaris tersendiri, state all resolutions from this meeting agenda in a separate notarial deed,
mengenai keputusan dalam agenda rapat tersebut di atas, termasuk untuk including to reaffirm the resolutions of the meeting as stated above.
menegaskan kembali hasil keputusan rapat tersebut di atas.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.290.018.479 (lima belas miliar dua ratus Votes in favor totaled 15,290,018,479 (fifteen billion two hundred ninety
sembilan puluh juta delapan belas ribu empat ratus tujuh puluh million eighteen thousand four hundred seventy-nine) shares, representing
sembilan) lembar saham atau 100% (seratus persen). 100% (one hundred percent).
Agenda Kedua
Second Agenda
Perubahan Anggaran Dasar PT Bank Oke Indonesia, Tbk. Amendment to the Articles of Association of PT Bank Oke Indonesia, Tbk.
Keputusan: Resolution:
Menyetujui perubahan Anggaran Dasar Perseroan guna penyesuaian Approving the amendment to the Company’s Articles of Association to
dengan POJK Nomor 17 tahun 2023 tentang Penerapan Tata Kelola Bagi align with POJK Number 17 of 2023 on the Implementation of Governance
Bank Umum dan POJK Nomor 14/POJK.04/2022 tentang Penyampaian for Commercial Banks and POJK Number 14/POJK.04/2022 on
Laporan Keuangan Berkala Emiten atau Perusahaan Publik dan the Submission of Periodic Financial Statements of Issuers or Public
memberikan kewenangan kepada Direksi Perseroan untuk menyusun Companies, and granting authority to the Company’s Board of Directors
serta menyatakan kembali seluruh Anggaran Dasar Perseroan. to prepare and restate the entire Articles of Association of the Company.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
Suara setuju sebanyak 15.290.018.479 (lima belas miliar dua ratus Votes in favor totaled 15,290,018,479 (fifteen billion two hundred ninety
sembilan puluh juta delapan belas ribu empat ratus tujuh puluh million eighteen thousand four hundred seventy-nine) shares, representing
sembilan) lembar saham atau 100% (seratus persen). 100% (one hundred percent).
RUPSLB 20 November 2024
EGMS on November 20, 2024
Agenda Pertama
First Agenda
Perubahan susunan Pengurus PT Bank Oke Indonesia, Tbk. Changes in the management composition of PT Bank Oke Indonesia, Tbk.
Keputusan: Resolution:
Menyetujui untuk mengangkat Sdr. Jong Ha Lee selaku Direktur Kredit Approving the appointment of Mr. Jong Ha Lee as Director of Credit,
dan akan berlaku efektif setelah mendapatkan persetujuan dari Otoritas which would be effective after obtaining approval from the Financial
Jasa Keuangan (OJK), dan instansi berwenang lainnya. Services Authority (OJK) and other relevant authorities.
Untuk keputusan ini, terdapat suara tidak setuju sebanyak 200.036 (dua For this resolution, there were 200,036 (two hundred thousand thirty-
ratus ribu tiga puluh enam) lembar saham atau 0,001% (nol koma nol nol six) shares or 0.001% (zero point zero zero one percent) voting against,
satu persen), sedangkan suara yang setuju sebanyak 15.288.675.861 while 15,288,675,861 (fifteen billion two hundred eighty-eight million
(lima belas miliar dua ratus delapan puluh delapan juta enam ratus tujuh six hundred seventy-five thousand eight hundred sixty-one) shares or
puluh lima ribu delapan ratus enam puluh satu) lembar saham atau 99.999% (ninety-nine point nine nine nine percent) voted in favor.
99,999% (sembilan puluh sembilan koma sembilan sembilan sembilan
persen).
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PT Bank Oke Indonesia, Tbk.
Agenda Pertama
First Agenda
Dengan demikian susunan kepengurusan PT Bank Oke Indonesia, Tbk. Thus, the composition of the management of PT Bank Oke Indonesia, Tbk.
menjadi: should be as follows:
Dewan Komisaris Board of Commissioners
Komisaris Utama : Sang Ton Sim President Commissioner : Sang Ton Sim
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
Komisaris Independen : Chairudin Independent Commissioner : Chairudin
Direksi Board of Directors
Direktur Utama : Park Young Man President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Bisnis : Vincentia M. Djuniwati Wijaya Director of Business : Vincentia M. Djuniwati Wijaya
Direktur Kredit* : Jong Ha Lee * Director of Credit* : Jong Ha Lee*
Direktur Kepatuhan : Efdinal Alamsyah Director of Compliance : Efdinal Alamsyah
Menyetujui pemberian kuasa kepada Direksi Perseroan untuk Approving the granting of authority to the Company’s Board of Directors
menyatakan segala keputusan dalam agenda rapat dalam suatu akta to state all resolutions from this meeting agenda in a separate notarial
notaris tersendiri, mengenai keputusan dalam agenda rapat tersebut deed, including to reaffirm the resolutions of this meeting.
di atas, termasuk untuk menegaskan kembali hasil keputusan rapat
tersebut di atas.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Had been fully realized.
Hasil Pemungutan Suara: Voting Results:
• Suara setuju sebanyak 15.288.675.861 (lima belas miliar dua ratus • Votes in favor totaled 15,288,675,861 (fifteen billion two hundred
delapan puluh delapan juta enam ratus tujuh puluh lima ribu delapan eighty-eight million six hundred seventy-five thousand eight hundred
ratus enam puluh satu) lembar saham atau 99,999% (sembilan puluh sixty-one) shares, representing 99.999% (ninety-nine point nine nine
sembilan koma sembilan sembilan sembilan persen). nine percent).
• Suara tidak setuju sebanyak 200.036 (dua ratus ribu tiga puluh enam) • Votes against totaled 200,036 (two hundred thousand thirty-six)
lembar saham atau 0,001% (nol koma nol nol satu persen). shares, or 0.001% (zero point zero zero one percent).
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TATA KELOLA PERUSAHAAN
Corporate Governance
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan salah satu organ tata kelola The Board of Commissioners is one of OK BANK’s corporate
OK BANK yang menjalankan fungsi pengawasan secara governance organs that performs an independent supervisory
independen atas pengelolaan dan jalannya kegiatan usaha. function over the management and conduct of business
Dewan Komisaris memastikan bahwa Direksi melaksanakan activities. The Board of Commissioners ensures that the Board
strategi, kebijakan, dan operasional OK BANK sesuai dengan of Directors implements OK BANK’s strategies, policies, and
prinsip tata kelola perusahaan yang baik, ketentuan peraturan operations in accordance with good corporate governance
perundang-undangan, serta kepentingan Pemegang Saham. principles, applicable laws and regulations, and the interests
Melalui pengawasan yang terstruktur dan berkesinambungan, of Shareholders. Through structured and continuous
Dewan Komisaris mengevaluasi kinerja manajemen, supervision, the Board of Commissioners evaluates
efektivitas pengendalian internal, serta penerapan manajemen management performance, the effectiveness of internal
risiko, sekaligus memberikan arahan dan rekomendasi controls, and the implementation of risk management, while
yang diperlukan. Peran ini menjadi elemen penting dalam also providing the necessary guidance and recommendations.
menjaga keseimbangan pengambilan keputusan, memperkuat This role becomes an important element in maintaining
akuntabilitas, dan mendukung keberlanjutan usaha OK BANK balanced decision-making, strengthening accountability, and
di tengah dinamika industri perbankan. supporting the sustainability of OK BANK’s business amid
the dynamics of the banking industry.
Dasar Hukum Legal Basis
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the Board of
Dewan Komisaris mengacu pada berbagai peraturan Commissioners refers to the following applicable laws and
perundang-undangan yang berlaku berikut: regulations:
1. Undang-Undang Nomor 40 tahun 2007 tentang Perseroan 1. Law Number 40 of 2007 on Limited Liability Companies;
Terbatas;
2. POJK Nomor 33/POJK.04/2014 tentang Direksi dan Dewan 2. POJK Number 33/POJK.04/2014 on the Board of Directors and
Komisaris Emiten atau Perusahaan Publik; the Board of Commissioners of Issuers or Public Companies;
3. POJK Nomor 21/POJK.04/2015 tentang Penerapan 3. POJK Number 21/POJK.04/2015 on the Implementation of
Pedoman Tata Kelola Perusahaan Terbuka; Corporate Governance Guidelines for Public Companies;
4. POJK Nomor 17 Tahun 2023 tentang Penerapan Tata 4. POJK Number 17 of 2023 on the Implementation of
Kelola Bagi Bank Umum; serta Governance for Commercial Banks; and
5. SEOJK Nomor 14/SEOJK.03/2025 tentang Penerapan Tata 5. SEOJK Number 14/SEOJK.03/2025 on the Implementation
Kelola Bagi Bank Umum. of Governance for Commercial Banks.
Piagam Dewan Komisaris Charter of the Board of Commissioners
OK BANK telah memiliki Piagam Dewan Komisaris yang menjadi OK BANK has established a Board of Commissioners Charter
panduan bagi Dewan Komisaris melaksanakan tugas dan that serves as a guideline for the Board of Commissioners
tanggung jawabnya. Piagam Dewan Komisaris ini telah disahkan in carrying out its duties and responsibilities. This Board
oleh Dewan Komisaris pada tanggal 10 Desember 2024. of Commissioners Charter was approved by the Board of
Commissioners on December 10, 2024.
Kriteria dan Independensi Dewan Komisaris Criteria and Independency of the Board
of Commissioners
Dalam memilih anggota Dewan Komisaris, OK BANK memiliki In selecting members of the Board of Commissioners,
ketentuan yang diuraikan sebagai berikut: OK BANK applies the following provisions:
1. Setiap pengangkatan dan/atau penggantian anggota 1. Every appointment and/or replacement of members
Dewan Komisaris telah memperhatikan rekomendasi Komite of the Board of Commissioners has considered
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Remunerasi dan Nominasi dengan mempertimbangkan the recommendation from the Remuneration and
integritas, kompetensi dan reputasi keuangan yang Nomination Committee by considering integrity, competence,
memadai; and sound financial reputation;
2. Bank memiliki 3 (tiga) orang Dewan Komisaris, 2 (dua) 2. The Bank has 3 (three) members of the Board of
orang komisaris independen merupakan Warga Negara Commissioners, consisting of 2 (two) independent
Indonesia dan berdomisili di Indonesia; commissioners who are Indonesian Citizens and domiciled
in Indonesia;
3. Komisaris Utama merupakan Komisaris non-independen 3. The President Commissioner is a non-independent
dan telah lulus fit and proper test; Commissioner and has passed the fit and proper test;
4. 2 (dua) Komisaris Independen tidak ada yang melakukan 4. The 2 (two) Independent Commissioners are not holding
rangkap jabatan sebagai anggota Direksi, anggota Dewan concurrent positions as members of the Board of Directors,
Komisaris, atau Pejabat Eksekutif pada perusahaan lain members of the Board of Commissioners, or Executive
baik Bank maupun bukan Bank baik yang berkedudukan di Officers in other companies, whether Banks or non-Banks,
dalam maupun di luar negeri; both domestically or overseas;
5. Anggota Dewan Komisaris tidak ada yang saling memiliki 5. No member of the Board of Commissioners has a family
hubungan keluarga sampai derajat kedua dengan sesama relationship up to the second degree with other members
anggota Dewan Komisaris dan/atau anggota Direksi; of the Board of Commissioners and/or members of
the Board of Directors;
6. Memiliki komitmen untuk mematuhi peraturan perundang- 6. Having a commitment to comply with prevailing laws and
undangan; serta regulations; and
7. Memiliki pengetahuan dan/atau keahlian di bidang yang 7. Possessing knowledge and/or expertise in fields required
dibutuhkan oleh PT Bank Oke Indonesia, Tbk. by PT Bank Oke Indonesia, Tbk.
Komposisi Dewan Komisaris Composition of the Board of Commissioners
Komposisi Dewan Komisaris OK BANK ditetapkan The composition of OK BANK’s Board of Commissioners was
melalui Akta Nomor 13 tanggal 22 Mei 2025 yang dibuat determined through Deed Number 13 dated May 22, 2025,
oleh Notaris Dr. Agung Iriantoro, S.H., M.H. di Jakarta. drawn up by Notary Dr. Agung Iriantoro, S.H., M.H. in Jakarta.
Penetapan ini menggambarkan susunan Dewan Komisaris This determination reflects a Board of Commissioners
yang beranggotakan individu dengan pengalaman profesional comprising individuals with diverse professional experience,
yang beragam, sehingga masing-masing membawa perspektif each bringing complementary perspectives and expertise.
dan keahlian yang saling melengkapi. Keberagaman Such diversity of backgrounds strengthens the supervisory
latar belakang tersebut memperkuat fungsi pengawasan and strategic advisory functions, while ensuring that the Board
dan pembinaan strategis, sekaligus memastikan Dewan of Commissioners is able to provide relevant guidance for
Komisaris mampu memberikan arahan yang relevan bagi the sustainable development and management of the Bank.
pengembangan dan pengelolaan Bank secara berkelanjutan. Information regarding the composition of OK BANK’s Board of
Informasi mengenai komposisi Dewan Komisaris OK BANK Commissioners is as follows:
diuraikan sebagai berikut:
Dasar Pengangkatan
Nama Jabatan Persetujuan OJK
Terakhir
Name Position OJK Approval
Basis for Last Appointment
Komisaris Utama RUPSLB 15 Mei 2024 Nomor KEPR-29/PB.02/2024 tanggal 16 Oktober 2024
Sang Ton Sim
President Commissioner EGMS on May 15, 2024 Number KEPR-29/PB.02/2024 dated October 16, 2024
Sondang Martha Komisaris Independen RUPSLB 22 Mei 2025 Nomor KEP-39/PB.1/2022 tanggal 8 Agustus 2022
Samosir Independent Commissioner EGMS on May 22, 2025 Number KEP-39/PB.1/2022 dated August 8, 2022
Komisaris Independen RUPSLB 11 Mei 2023 Nomor KEPR-75/D.03/2023 tanggal 17 Juli 2023
Chairudin
Independent Commissioner EGMS on May 11, 2023 Number KEPR-75/D.03/2023 dated July 17, 2023
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TATA KELOLA PERUSAHAAN
Corporate Governance
Tugas dan Tanggung Jawab Dewan Komisaris Duties and Responsibilities of
the Board of Commissioners
Dewan Komisaris OK BANK memiliki tugas dan tanggung The Board of Commissioners of OK BANK has the following
jawab sebagai berikut: duties and responsibilities:
1. Dalam menjalankan tugasnya, Dewan Komisaris telah 1. In performing its duties, the Board of Commissioners has
memiliki pedoman, tata tertib kerja termasuk pengaturan established guidelines, code of conduct, including work
etika kerja, waktu kerja dan rapat, serta piagam (charter); ethics regulations, working hours and meetings, as well as
a charter;
2. Dewan Komisaris telah melaksanakan tugas dan tanggung 2. The Board of Commissioners has carried out its duties and
jawabnya secara independen dan menyediakan waktu responsibilities independently and allocated sufficient time
yang cukup untuk optimalkan tugasnya serta tidak terlibat to optimize its role. The Board does not engage in decision-
dalam pengambilan keputusan kegiatan operasional making related to the Bank’s operational activities,
Bank kecuali kredit kepada pihak terkait dan hal lain except for granting credit to related parties and other
yang ditetapkan dalam Anggaran Dasar Bank dan/atau matters stipulated in the Bank’s Articles of Association
peraturan perundangan yang berlaku dalam rangka and/or applicable laws and regulations in the context of
melaksanakan fungsi pengawasan; performing its supervisory function;
3. Dewan Komisaris telah memastikan penerapan tata kelola 3. The Board of Commissioners has ensured the implementation
yang baik terselenggara dalam setiap kegiatan usaha Bank of good corporate governance in every business
pada seluruh tingkatan atau jenjang organisasi dengan activity of the Bank at all levels of the organization by
senantiasa melakukan pengawasan terhadap pelaksanaan continuously supervising the implementation of duties and
tugas dan tanggung jawab Direksi baik secara berkala responsibilities of the Board of Directors, both periodically
maupun sewaktu-waktu, termasuk dalam pelaksanaan and at any time, including in the implementation of PT Bank
kebijakan strategis PT Bank Oke Indonesia, Tbk. Apabila Oke Indonesia, Tbk's. strategic policies. If there’s any
terdapat pelanggaran terhadap ketentuan peraturan violation of laws and regulations in the financial and banking
perundang-undangan dibidang keuangan, perbankan sectors, or any condition or anticipated condition that may
dan yang terkait dengan kegiatan usaha Bank dan/atau endanger the Bank’s business continuity, such matter must
keadaan/perkiraan keadaan yang dapat membahayakan be reported to the OJK no later than 5 (five) working days
kelangsungan usaha Bank maka dilaporkan ke OJK paling from the date of discovery;
lambat 5 (lima) hari kerja sejak ditemukan;
4. Sebagai bagian dari pelaksanaan tugasnya Dewan 4. As part of its duties, the Board of Commissioners has
Komisaris telah memastikan bahwa Direksi menindaklanjuti ensured that the Board of Directors follows up on audit
temuan audit dan rekomendasi Satuan Kerja Audit Internal findings and recommendations from the Bank’s Internal
Bank (SKAI), auditor eksternal, hasil pengawasan OJK Audit Unit (SKAI), external auditors, supervision results
dan/atau hasil pengawasan otoritas lain; from OJK, and/or other supervisory authorities;
5. Untuk mengoptimalkan tugas Dewan Komisaris telah 5. To optimize its duties, the Board of Commissioners
dibentuk Komite Audit, Komite Pemantau Risiko, has established the Audit Committee, Risk Monitoring
serta Komite Remunerasi dan Nominasi. Sedangkan Committee, as well as the Remuneration and Nomination
Pengangkatan anggota Komite telah dilakukan Direksi Committee. The appointment of the Committee members
berdasarkan keputusan rapat Dewan Komisaris namun has been carried out by the Board of Directors based on
untuk pelaksanaan tugas dari masing-masing komite the decision of the Board of Commissioners’ meeting,
tersebut agar efektif dipantau oleh Dewan Komisaris; however, the performance of each committee is effectively
monitored by the Board of Commissioners;
6. Dewan Komisaris telah melakukan penilaian terhadap komite 6. The Board of Commissioners has conducted an assessment
di bawah Dewan Komisaris, yaitu Komite Audit, Komite of the committees under its supervision, namely
Pemantau Risiko, dan Komite Nominasi dan Remunerasi; the Audit Committee, the Risk Monitoring Committee, and
the Remuneration and Nomination Committee;
7. Dewan Komisaris telah memiliki kebijakan penilaian 7. The Board of Commissioners has established
terhadap kinerja anggota Direksi dan Dewan a performance assessment policy for members of the Board
Komisaris yaitu Kinerja anggota Direksi dan Komisaris of Directors and the Board of Commissioners, namely
dilakukan melalui mekanisme penilaian sendiri the performance of members of the Board of Directors and
(self-assessment) sebagai bentuk akuntabilitas Direksi the Board of Commissioners is assessed through a self-
dan Dewan Komisaris dalam melaksanakan tugas dan assessment mechanism as a form of accountability in
tanggung jawabnya mengacu pada RBB yang telah carrying out their duties and responsibilities, with reference
disetujui oleh Dewan Komisaris. Hasil penilaian sendiri to the RBB approved by the Board of Commissioners.
(self-assessment) dievaluasi oleh Dewan Komisaris The results of the self-assessment are evaluated by
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di dalam rapat berdasarkan rekomendasi dari Komite the Board of Commissioners in a meeting based on
Remunerasi dan Nominasi; recommendations from the Remuneration and Nomination
Committee;
8. Rapat Dewan Komisaris telah diselenggarakan secara 8. The Board of Commissioners’ meetings have been held
berkala sebanyak 6 (enam) kali dalam setahun, rapat-rapat regularly 6 (six) times a year. These meetings are attended
Dewan Komisaris dihadiri oleh seluruh anggota Dewan by all members of the Board of Commissioners, consisting
Komisaris yaitu Komisaris Independen dan Komisaris of Independent Commissioners and the President
Utama. Untuk pengambilan keputusan rapat dilakukan Commissioner. Decisions in the meetings are made based
secara musyawarah untuk mufakat dan apabila tidak on deliberation to reach a consensus if no consensus is
mufakat maka dibatalkan; reached, the decision will be cancelled;
9. Membuat risalah rapat Dewan Komisaris dan ditanda 9. The Board of Commissioners prepares minutes of
tangani oleh seluruh anggota Dewan Komisaris yang hadir meetings, which are signed by all members of the Board of
dalam rapat Dewan Komisaris; serta Commissioners present at the meeting; and
10. Dewan Komisaris melaksanakan tugas secara independen 10. The Board of Commissioners carries out its duties
tanpa intervensi dari siapa pun termasuk dari Pemegang independently without any intervention from any party,
Saham yang dapat mengurangi keuntungan Perseroan, tidak including Shareholders, that can reduce the Company’s
memanfaatkan Perseroan untuk kepentingan siapa pun benefits, and does not utilize the Company for the interests
termasuk mengambil atau menerima keuntungan pribadi. of any party, including taking or receiving personal benefits.
Selain tugas dan tanggung jawab yang telah diuraikan di atas, In addition to the duties and responsibilities described above,
Dewan Komisaris memiliki pembagian tugas dan tanggung the Board of Commissioners has distributed duties and
jawab masing-masing anggota yang diuraikan sebagai responsibilities for each of its members, which is outlined as
berikut: follows:
Nama Jabatan Tanggung Jawab
Name Position Responsibilities
Sang Ton Sim Komisaris Utama 1. Melakukan pemanggilan Rapat Dewan Komisaris secara tertulis yang disampaikan kepada seluruh
anggota Dewan Komisaris dengan mencantumkan acara, tanggal, waktu, dan tempat rapat;
2. Memimpin Rapat Dewan Komisaris;
3. Melakukan pengawasan untuk kepentingan Bank atas kebijakan dan jalannya pengurusan oleh Direksi,
memberikan nasihat kepada Direksi, sesuai dengan maksud dan tujuan Bank yang ditetapkan dalam
ketentuan peraturan perundang-undangan, anggaran dasar dan keputusan RUPS;
4. Mengarahkan, memantau, dan mengevaluasi pelaksanaan tata kelola, manajemen risiko, dan kepatuhan
secara terintegrasi, serta kebijakan strategis Bank, sesuai dengan ketentuan peraturan perundang-
undangan, anggaran dasar, dan/atau keputusan RUPS;
5. Mengawasi pelaksanaan Rencana Strategis Bank dan Realisasi Bisnis Bank;
6. Memastikan penerapan manajemen risiko telah mencakup country risk dan transfer risk;
7. Melakukan pengawasan terhadap pelaksanaan pengelolaan aset bermasalah, penyisihan, dan
pencadangan yang dilakukan Bank dalam pengelolaan risiko kredit; serta
8. Membentuk komite sebagaimana disyaratkan oleh peraturan perundang-undangan.
President 1. Calling the Board of Commissioners’ Meetings in writing, delivered to all members of the Board of
Commissioner Commissioners by stating the agenda, date, time, and venue of the meeting;
2. Chairing the Board of Commissioners’ Meetings;
3. Supervising in the best interest of the Bank regarding the policies and management conducted by
the Board of Directors, as well as providing advice to the Board of Directors in accordance with the Bank’s
vision and mission as stipulated in the applicable laws and regulations, articles of association, and
resolutions of the GMS;
4. Directing, monitoring, and evaluating the implementation of governance, risk management, and
compliance in an integrated manner, as well as the Bank’s strategic policies, in accordance with
the applicable laws and regulations, articles of association, and/or GMS resolutions;
5. Supervising the implementation of the Bank’s Strategic Plan and Business Realization;
6. Ensuring the implementation of risk management covers country risk and transfer risk;
7. Supervising the implementation of managing non-performing assets, allowances, and reserves conducted
by the Bank in managing credit risk; and
8. Establishing committees as required by the applicable laws and regulations.
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Nama Jabatan Tanggung Jawab
Name Position Responsibilities
Sondang Martha Komisaris 1. Melakukan pengawasan untuk kepentingan Bank atas kebijakan dan jalannya pengurusan oleh Direksi,
Samosir Independen memberikan nasihat kepada Direksi, sesuai dengan maksud dan tujuan Bank yang ditetapkan dalam
ketentuan peraturan perundang-undangan, anggaran dasar, dan keputusan RUPS;
2. Mengarahkan, memantau, dan mengevaluasi pelaksanaan tata kelola, manajemen risiko, dan kepatuhan
secara terintegrasi, serta kebijakan strategis Bank, sesuai dengan ketentuan peraturan perundang-
undangan, anggaran dasar, dan/atau keputusan RUPS;
3. Mengawasi pelaksanaan Rencana Strategis Bank dan Realisasi Bisnis Bank;
4. Memastikan penerapan manajemen risiko telah mencakup country risk dan transfer risk;
5. Melakukan pengawasan terhadap pelaksanaan pengelolaan aset bermasalah, penyisihan, dan
pencadangan yang dilakukan Bank dalam pengelolaan risiko kredit; serta
6. Membentuk komite sebagaimana disyaratkan oleh peraturan perundang-undangan.
Independent 1. Supervising for the best interest of the Bank regarding the policies and management conducted by
Commissioner the Board of Directors, as well as providing advice to the Board of Directors in accordance with
the Bank’s vision and mission as stipulated in the applicable laws and regulations, articles of association,
and resolutions of the GMS;
2. Directing, monitoring, and evaluating the implementation of governance, risk management, and
compliance in an integrated manner, as well as the Bank’s strategic policies, in accordance with
the applicable laws and regulations, articles of association, and/or GMS resolutions;
3. Supervising the implementation of the Bank’s Strategic Plan and Business Realization;
4. Ensuring the implementation of risk management covers country risk and transfer risk;
5. Supervising the implementation of managing non-performing assets, allowances, and reserves conducted
by the Bank in managing credit risk; and
6. Establishing committees as required by the applicable laws and regulations.
Chairudin Komisaris 1. Melakukan pengawasan untuk kepentingan Bank atas kebijakan dan jalannya pengurusan oleh Direksi,
Independen memberikan nasihat kepada Direksi, sesuai dengan maksud dan tujuan Bank yang ditetapkan dalam
ketentuan peraturan perundang-undangan, anggaran dasar, dan keputusan RUPS;
2. Mengarahkan, memantau, dan mengevaluasi pelaksanaan tata kelola, manajemen risiko, dan kepatuhan
secara terintegrasi, serta kebijakan strategis Bank, sesuai dengan ketentuan peraturan perundang-
undangan, anggaran dasar, dan/atau keputusan RUPS;
3. Mengawasi pelaksanaan Rencana Strategis Bank dan Realisasi Bisnis Bank;
4. Memastikan penerapan manajemen risiko telah mencakup country risk dan transfer risk;
5. Melakukan pengawasan terhadap pelaksanaan pengelolaan aset bermasalah, penyisihan, dan
pencadangan yang dilakukan Bank dalam pengelolaan risiko kredit; serta
6. Membentuk komite sebagaimana disyaratkan oleh peraturan perundang-undangan.
Independent 1. Supervising for the best interest of the Bank on the policies and management carried out by the Board of
Commissioner Directors, as well as providing advice to the Board of Directors in accordance with the Bank’s objectives
and purposes as stipulated in the applicable laws and regulations, articles of association, and resolutions
of the GMS;
2. Directing, monitoring, and evaluating the implementation of governance, risk management, and
compliance in an integrated manner, as well as the Bank’s strategic policies, in accordance with
the applicable laws and regulations, articles of association, and/or GMS resolutions;
3. Supervising the implementation of the Bank’s Strategic Plan and Business Realization;
4. Ensuring the implementation of risk management covers country risk and transfer risk;
5. Supervising the implementation of managing non-performing assets, allowances, and reserves carried
out by the Bank in managing credit risk; and
6. Establishing committees as required by the applicable laws and regulations.
Selain tugas dan tanggung jawab, Dewan Komisaris juga In addition to its duties and responsibilities, the Board of
memiliki wewenang sebagai berikut: Commissioners also has the following authorities:
1. Melaksanakan tugas dan tanggung jawab secara 1. Performing duties and responsibilities independently;
independen;
2. Meminta keterangan/penjelasan dari Direksi dan/ 2. Requesting information/explanations from the Board of
atau pejabat lainnya mengenai segala persoalan yang Directors and/or other officers regarding all matters related
menyangkut pengelolaan OK BANK; to the management of OK BANK;
3. Mengetahui segala kebijakan dan tindakan yang telah dan 3. Being informed of all policies and actions that have been or
akan dijalankan oleh Direksi OK BANK; will be undertaken by the Board of Directors of OK BANK;
4. Memberhentikan sementara anggota Direksi sesuai 4. Temporarily suspending members of the Board of Directors in
dengan ketentuan Anggaran Dasar; accordance with the provisions of the Articles of Association;
5. Melakukan tindakan pengurus OK BANK dalam keadaan 5. Carrying out management actions of OK BANK under
tertentu untuk jangka waktu tertentu sesuai dengan certain circumstances for a specified period in
ketentuan Anggaran Dasar; accordance with the Articles of Association;
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6. Memasuki bangunan-bangunan dan halaman atau tempat- 6. Entering buildings and yards or other premises used or
tempat lain yang dipergunakan atau dikuasai oleh OK BANK; controlled by OK BANK;
7. Menghadiri rapat Dewan Komisaris dan memberikan 7. Attending meetings of the Board of Commissioners and
pandangan-pandangan terhadap hal-hal yang dibicarakan; provide views on matters discussed; and
serta
8. Melaksanakan kewenangan pengawasan lainnya sepanjang 8. Exercising other supervisory authorities insofar as they
tidak bertentangan dengan peraturan perundang-undangan, do not conflict with prevailing laws and regulations,
Anggaran Dasar, dan/atau keputusan RUPS. the Articles of Association, and/or resolutions of the GMS.
Keputusan yang Perlu Mendapat Persetujuan Decisions Requiring the Approval from
Dewan Komisaris the Board of Commissioners
Keputusan yang memerlukan persetujuan Dewan Decisions that require the Board of Commissioners’ approval
Komisaris dijalankan dengan mengacu pada ketentuan are made pursuant to the provisions of POJK Number 17 of
POJK Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola 2023 on the Implementation of Governance for Commercial
Bagi Bank Umum, yang menjadi pedoman dalam memastikan Banks, which serves as a guideline to ensure that every
setiap langkah strategis Bank berada dalam koridor tata kelola strategic step taken by the Bank remains within the framework
yang sehat. Adapun keputusan-keputusan tersebut diuraikan of sound corporate governance. Such decisions are outlined
sebagai berikut: as follows:
1. Dewan Komisaris dilarang untuk ikut serta dalam 1. The Board of Commissioners is prohibited from
pengambilan keputusan untuk kegiatan operasional Bank, participating in decision-making related to the Bank’s
kecuali: operational activities, except for:
a. Penyediaan dana kepada pihak terkait sebagaimana a. The provision of funds to related parties as stipulated
diatur dalam ketentuan mengenai batas maksimum in the regulations regarding the legal lending limit for
pemberian kredit bank umum; serta commercial banks; and
b. Hal-hal lain yang ditetapkan dalam Anggaran Dasar b. Other matters specified in the Bank’s Articles of
Bank atau peraturan perundang-undangan yang berlaku. Association or applicable laws and regulations.
2. Pengambilan keputusan kegiatan operasional Bank 2. The Board of Commissioners’ involvement in decision-
oleh Dewan Komisaris sebagaimana dimaksud di atas making related to the Bank’s operational activities as
merupakan bagian dari tugas pengawasan oleh Dewan referred to above is part of its supervisory duties and does
Komisaris sehingga tidak meniadakan tanggung jawab not eliminate the responsibility of the Board of Directors for
Direksi atas pelaksanaan kepengurusan Bank. the management and operations of the Bank.
Pelaksanaan Tugas Pengawasan Implementation of the Supervisory Duties of
Dewan Komisaris the Board of Commissioners
Sepanjang tahun 2025, Dewan Komisaris telah melaksanakan Throughout 2025, the Board of Commissioners carried out
berbagai tugas pengawasan yang diuraikan sebagai berikut: various supervisory duties, which are outlined as follows:
1. Melakukan penelaahan dan memberikan persetujuan 1. Reviewing and approving the 2026-2028 RBB and
atas RBB tahun 2026-2028 dan Rencana Aksi Keuangan the 2026 Sustainable Finance Action Plan (RAKB);
Berkelanjutan (RAKB) tahun 2026;
2. Memastikan bahwa Direksi telah menindaklanjuti temuan 2. Ensuring that the Board of Directors is following up on
audit dan rekomendasi dari Satuan Kerja Audit Internal, audit findings and recommendations from the Internal
termasuk perbaikan terhadap hasil temuan pemeriksaan Audit Unit, including addressing findings from external,
auditor eksternal, internal, dan regulator; internal, and regulatory audits;
3. Melakukan review atas kinerja keuangan OK BANK secara 3. Periodically reviewing OK BANK’s financial performance;
berkala;
4. Dalam setiap rapat Dewan Komisaris, Dewan Komisaris 4. In each Board of Commissioners meeting, the Board of
menerima laporan dari masing-masing komite, yaitu Commissioners receives reports from each committee,
Komite Audit, Komite Pemantau Risiko, serta Komite namely the Audit Committee, Risk Monitoring Committee,
Nominasi dan Remunerasi; and Nomination and Remuneration Committee;
5. Memantau efektivitas penerapan GCG pada OK BANK; 5. Monitoring the effectiveness of GCG implementation at
serta OK BANK; and
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6. Melakukan pengawasan terhadap pengurusan OK BANK, 6. Supervising the management of OK BANK, including
termasuk pengawasan atas pelaksanaan RBB, serta overseeing the implementation of the RBB and evaluating
melakukan penilaian kinerja Direksi. the performance of the Board of Directors.
Komisaris Independen Independent Commissioner
Komisaris Independen merupakan elemen kunci dalam Independent Commissioners are a key element in OK BANK’s
struktur tata kelola OK BANK yang berperan memastikan governance structure, playing a role in ensuring that
pelaksanaan fungsi pengawasan dilakukan secara objektif, the supervisory function is carried out objectively,
independen, dan bebas dari konflik kepentingan. Keberadaan independently, and free from conflicts of interest. Having
2 (dua) orang Komisaris Independen dalam struktur Dewan 2 (two) Independent Commissioners within the structure
Komisaris OK BANK memastikan bahwa fungsi pengawasan of OK BANK’s Board of Commissioners ensures that this
tersebut dijalankan secara efektif. Komposisi ini memperkuat supervisory function is performed effectively. This composition
mekanisme check and balance di tingkat Dewan Komisaris strengthens the check-and-balance mechanism at the Board of
serta menjaga integritas proses pengambilan keputusan. Commissioners level and safeguards the integrity of decision-
Peran Komisaris Independen menjadi elemen penting dalam making process. The role of Independent Commissioners
memastikan bahwa kebijakan dan pengelolaan OK BANK is a crucial element in ensuring that OK BANK’s policies and
senantiasa selaras dengan prinsip kehati-hatian, akuntabilitas, management are consistently aligned with the principles of
serta kepentingan seluruh pemangku kepentingan. prudence, accountability, and the interests of all stakeholders.
OK BANK telah memenuhi ketentuan Pasal 38 ayat OK BANK has complied with the provisions of Article 38
2 POJK Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola paragraph 2 of POJK Number 17 of 2023 on the Implementation
Bagi Bank Umum, yang mensyaratkan bahwa paling sedikit of Governance for Commercial Banks, which requires that at
50% (lima puluh persen) dari jumlah anggota Dewan Komisaris least 50% (fifty percent) of the total members of the Board of
merupakan Komisaris Independen. Pemenuhan ketentuan Commissioners be Independent Commissioners. Fulfillment
tersebut mencerminkan kepatuhan OK BANK terhadap regulasi of this requirement reflects OK BANK’s compliance with
yang berlaku sekaligus menegaskan komitmen OK BANK applicable regulations while also reaffirming its commitment to
dalam menerapkan tata kelola perusahaan yang transparan, implementing transparent, independent, and robust corporate
independen, dan berpengawasan kuat. governance.
Kriteria Komisaris Independen Criteria for Independent Commissioners
Bank menetapkan kriteria Komisaris Independen The Bank determines the criteria for Independent
dengan merujuk pada ketentuan yang diatur dalam Commissioners by referring to the provisions stipulated in
POJK Nomor 33/POJK.04/2014 tentang Direksi dan Dewan POJK Number 33/POJK.04/2014 on the Board of Directors
Komisaris Emiten atau Perusahaan Publik, sehingga proses and Board of Commissioners of Issuers or Public Companies,
penunjukan dilakukan berdasarkan standar yang jelas dan so that the appointment process is carried out based on clear
terukur. Acuan ini memastikan bahwa setiap Komisaris and measurable standards. This reference ensures that each
Independen memiliki integritas, kompetensi, dan kapasitas Independent Commissioner possesses adequate integrity,
yang memadai untuk menjalankan fungsi pengawasan secara competence, and capacity to perform the supervisory function
objektif dan bebas dari pengaruh pihak mana pun. Informasi objectively and free from any influence. Information on
mengenai pemenuhan aspek independensi dan kriteria the fulfillment of independence aspects and the criteria of
Komisaris Independen OK BANK diuraikan sebagai berikut: OK BANK’s Independent Commissioners is outlined as follows:
Komisaris Independen
Independent Commissioner
Kriteria
Criteria Sondang
Martha Chairudin
Samosir
Tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga
dengan anggota Dewan Komisaris lainnya, anggota Direksi dan/atau Pemegang Saham atau hubungan
dengan Bank yang dapat memengaruhi kemampuannya untuk bertindak independen.
Not having any financial, management, share ownership, and/or family relationship with other members
of the Board of Commissioners, members of the Board of Directors, and/or Shareholders, or any
relationship with the Bank that may affect their ability to act independently.
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Komisaris Independen
Independent Commissioner
Kriteria
Criteria Sondang
Martha Chairudin
Samosir
Tidak mempunyai saham, baik langsung maupun tidak langsung, pada Bank.
Not owning shares, either directly or indirectly, in the Bank.
Tidak mempunyai hubungan usaha, baik langsung maupun tidak langsung, yang berkaitan dengan
kegiatan usaha Bank.
Not having any business relationship, either directly or indirectly, related to the Bank’s business activities.
Merupakan pihak yang independen dan bersedia bertindak independen terhadap pemilik bank atau PSP.
Being an independent party and willing to act independently from the Bank’s owner or PSP.
Pengetahuan di bidang perbankan yang memadai dan relevan dengan jabatan sebagai Komisaris
Independen.
Having adequate knowledge in the banking sector that is relevant to the position as an Independent
Commissioner.
Pengalaman di bidang perbankan dan/atau bidang keuangan.
Having experience in the banking and/or financial sector.
Rapat Dewan Komisaris Meetings of the Board of Commissioners
Dalam pelaksanaan tugas pengawasannya, Dewan Komisaris In carrying out its supervisory duties, OK BANK’s Board
OK BANK mengadakan rapat secara berkala untuk memastikan of Commissioners holds regular meetings to ensure that
penerapan tata kelola berjalan sesuai ketentuan. Mengacu the corporate governance is conducted in accordance with
pada Pasal 31 POJK Nomor 17 Tahun 2023 tentang Penerapan applicable provisions. Referring to Article 31 of POJK Number 17
Tata Kelola Bagi Bank Umum dan Piagam Dewan Komisaris of 2023 on the Implementation of Governance for Commercial
OK BANK, rapat rutin diselenggarakan minimal 1 (satu) kali dalam Banks and OK BANK’s Board of Commissioners Charter, regular
setiap 2 (dua) bulan. Di luar jadwal tersebut, Dewan Komisaris meetings are convened at least once every 2 (two) months.
juga dapat mengadakan rapat tambahan apabila terdapat Outside this schedule, the Board of Commissioners may
permintaan dari anggotanya, sepanjang pelaksanaannya tetap also hold additional meetings upon request by its members,
mengikuti ketentuan dan prosedur yang berlaku. provided that such meetings are conducted in compliance with
applicable rules and procedures.
Dewan Komisaris telah menyelenggarakan rapat sebanyak The Board of Commissioners held a total of 6 (six) meetings
6 (enam) kali sepanjang tahun 2025. Informasi mengenai throughout 2025. Information regarding the meeting
tingkat kehadiran rapat diuraikan sebagai berikut: attendance rate is outlined as follows:
Nama Jabatan Jumlah Rapat Kehadiran Persentase
Name Position Total Meeting Attendance Percentage
Komisaris Utama
Sang Ton Sim 6 5 83,33
President Commissioner
Sondang Martha Komisaris Independen
6 6 100,00
Samosir Independent Commissioner
Komisaris Independen
Chairudin 6 6 100,00
Independent Commissioner
Rata-Rata Persentase Kehadiran Dewan Komisaris dalam Rapat [ESG G-02]
94,44
Average Percentage of Attendance of the Board of Commissioners at Meetings [ESG G-02]
Rapat Bersama Dewan Komisaris dan Direksi Joint Meeting of the Board of Commissioners
and the Board of Directors
Rapat gabungan antara Dewan Komisaris dan Direksi Joint meetings between the Board of Commissioners and
dilaksanakan secara berkala sedikitnya 1 (satu) kali dalam Board of Directors are held regularly at least once every 4 (four)
4 (empat) bulan. Melalui mekanisme rapat berkala tersebut, months. Through this regular meeting mechanism, synergy
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sinergi antara fungsi pengawasan dan fungsi pengelolaan between supervisory function and management function can
dapat terjaga secara efektif dan berkelanjutan. be effectively and sustainably maintained.
Dewan Komisaris dan Direksi telah menyelenggarakan rapat The Board of Commissioners and the Board of Directors held
gabungan sebanyak 4 (empat) kali sepanjang tahun 2025. a total of 4 (four) joint meetings throughout 2025. Information
Informasi mengenai tingkat kehadiran rapat diuraikan sebagai regarding the meeting attendance rate is outlined as follows:
berikut:
Nama Jabatan Jumlah Rapat Kehadiran Persentase
Name Position Total Meeting Attendance Percentage
Komisaris Utama
Sang Ton Sim 4 3 75,00
President Commissioner
Sondang Martha Komisaris Independen
4 4 100,00
Samosir Independent Commissioner
Komisaris Independen
Chairudin 4 4 100,00
Independent Commissioner
Direktur Utama
Kang Bong Joo1) 2 2 100,00
President Director
Wakil Direktur Utama
Hendra Lie 4 4 100,00
Vice President Director
Vincentia M. Direktur Bisnis
4 3 75,00
Djuniwati Wijaya Director of Business
Direktur Kepatuhan
Efdinal Alamsyah 4 4 100,00
Director of Compliance
Direktur Kredit
Jong Ha Lee2) 2 2 100,00
Director of Credit
Direktur Utama
Park Young Man3) 2 2 100,00
President Director
1) Diangkat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan efektif menjabat sejak tanggal
9 Juli 2025./ Appointed as President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025, and effective since July 9, 2025.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak
tanggal 26 Juni 2025. / Appointed as President Director of OK BANK based on the resolution of the EGMS held on November 20, 2024, and effective since June 26, 2025.
3) Efektif berhenti menjabat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025. / Effectively resigned as
President Director of OK BANK based on the resolution of EGMS held on February 19, 2025.
Program Orientasi bagi Dewan Komisaris Baru Orientation Program for New Members of
the Board of Commissioners
OK BANK berkomitmen memberikan pembekalan yang OK BANK is committed to providing adequate induction for each
memadai kepada setiap anggota Dewan Komisaris, termasuk member of the Board of Commissioners, including through
melalui program orientasi yang disiapkan untuk memastikan orientation programs designed to ensure a comprehensive
pemahaman mendalam mengenai profil Bank, tata kelola, understanding of the Bank’s profile, governance, business
strategi bisnis, dan regulasi yang berlaku. Meskipun pada tahun strategy, and applicable regulations. Although there were no
2025 tidak terdapat anggota Komisaris yang baru diangkat, newly appointed Commissioners in 2025, the Bank continues to
Bank tetap menjaga kesiapan program orientasi tersebut maintain the readiness of such orientation programs as part of
sebagai bagian dari praktik tata kelola yang baik. Upaya ini good corporate governance practices. This effort ensures that
memastikan bahwa setiap proses pengangkatan di masa any future appointment process can be carried out smoothly
mendatang dapat berjalan dengan lancar dan mendukung and supports the effectiveness of the Board of Commissioners’
efektivitas peran pengawasan Dewan Komisaris. supervisory role.
Pelatihan Dewan Komisaris [ESG G-05] [GRI 2-17] Training of the Board of Commissioners
[ESG G-05] [GRI 2-17]
Pelatihan bagi Dewan Komisaris dirancang untuk meningkatkan Training for the Board of Commissioners is designed to
wawasan dan kemampuan pengawasan agar setiap anggota enhance insight and supervisory capabilities so that each
mampu menjalankan perannya secara efektif. Kegiatan ini member is able to perform his or her role effectively. Such
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dapat berbentuk workshop, seminar, sertifikasi kompetensi, activities may take the form of workshops, seminars,
maupun program pembelajaran berkelanjutan yang membahas competency certifications, or continuous learning programs
perkembangan regulasi, manajemen risiko, dan dinamika that address regulatory developments, risk management, and
industri keuangan. OK BANK menunjukkan komitmennya dynamics of the financial industry. OK BANK demonstrates
melalui penyediaan program pelatihan yang relevan dan its commitment by providing relevant and structured training
terstruktur sehingga Dewan Komisaris selalu memiliki bekal programs, ensuring that the Board of Commissioners is always
pengetahuan yang memadai dalam mendukung kualitas tata equipped with adequate knowledge to support the quality of
kelola perusahaan. corporate governance.
Informasi mengenai pelatihan pengembangan kompetensi Information regarding competency development training
yang diikuti oleh Dewan Komisaris sepanjang tahun 2025 attended by the Board of Commissioners throughout 2025 is
diuraikan sebagai berikut: outlined as follows:
Nama Jabatan Program yang Diikuti Penyelenggara Waktu
Name Position Programs Attended Organizer Date
Pemeliharaan Sertifikasi Manajemen Risiko
Komisaris Utama
Jenjang 6 dan 7. 26 Mei 2025
Sang Ton Sim President Kovida
Maintenance of Risk Management Certification May 26, 2025
Commissioner
Levels 6 and 7.
Pemeliharaan Sertifikasi Manajemen Risiko
Komisaris Jenjang 6. 17 Februari 2025
Maisa Edukasi
Sondang Martha Independen Maintenance of Risk Management Certification February 17, 2025
Samosir Independent Levels 6.
Commissioner Outlook Ekonomi dan Keuangan di Tahun 2025. 20 Februari 2025
OJK
Economic and Financial Outlook for 2025. February 20, 2025
Pemeliharaan Sertifikasi Manajemen Risiko
Komisaris Jenjang 6. 17 Februari 2025
Maisa Edukasi
Independen Maintenance of Risk Management Certification February 17, 2025
Chairudin
Independent Level 6.
Commissioner Outlook Ekonomi dan Keuangan di Tahun 2025. 20 Februari 2025
OJK
Economic and Financial Outlook for 2025. February 20, 2025
Penilaian Kinerja Dewan Komisaris Board of Commissioners’ Performance
[ESG G-04] [GRI 2-18] Assessment [ESG G-04] [GRI 2-18]
1. Penilaian Kinerja Dewan Komisaris oleh RUPS 1. Board of Commissioners Performance Assessment by
the GMS
RUPS melaksanakan penilaian kinerja Dewan Komisaris The GMS conducts periodic performance assessment of
secara berkala. Penilaian ini bertujuan untuk mengevaluasi the Board of Commissioners. This assessment aims to
efektivitas pelaksanaan tugas dan tanggung jawab evaluate the effectiveness of the Board of Commissioners
Dewan Komisaris dalam mengawasi pengelolaan in carrying out its duties and responsibilities in supervising
OK BANK, serta dalam memberikan arahan, pengawasan, the management of OK BANK, as well as in providing
dan nasihat yang konstruktif kepada Direksi guna constructive direction, oversight, and advice to the Board of
mendukung pencapaian tujuan usaha yang berkelanjutan. Directors to support the achievement of sustainable business
Proses penilaian mencakup evaluasi kinerja secara kolektif objectives. The assessment process covers both collective
maupun individu, termasuk tingkat kepatuhan terhadap and individual performance, including the level of compliance
prinsip-prinsip tata kelola perusahaan yang baik. with the principles of good corporate governance.
Hasil penilaian kinerja tersebut menjadi dasar bagi RUPS The results of such performance assessment serve as
dalam memberikan umpan balik, arahan perbaikan, serta the basis for the GMS in providing feedback, improvement
pengembangan fungsi pengawasan Dewan Komisaris ke directives, and the future development of the Board of
depan. Melalui evaluasi yang objektif dan terstruktur, RUPS Commissioners’ supervisory function. Through objective
mendorong peningkatan kinerja Dewan Komisaris sekaligus and structured evaluations, the GMS encourages enhanced
memastikan bahwa Perseroan dikelola secara prudent, performance of the Board of Commissioners while ensuring
transparan, dan akuntabel sesuai dengan kepentingan that the Company is managed prudently, transparently, and
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TATA KELOLA PERUSAHAAN
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Pemegang Saham dan pemangku kepentingan lainnya. accountably in accordance with the interests of Shareholders
Penilaian ini juga berperan penting dalam menjaga integritas and other stakeholders. This evaluation also plays an important
dan akuntabilitas OK BANK di hadapan publik serta otoritas role in maintaining OK BANK’s integrity and accountability
yang berwenang. in the eyes of the public and the relevant authorities.
2. Penilaian Kinerja Dewan Komisaris dilakukan secara 2. Performance assessment of the Board of Commissioners
self-assessment setiap tahun conducted through annual self-assessment
Penilaian kinerja Dewan Komisaris dilaksanakan melalui The performance evaluation of the Board of Commissioners
mekanisme self-assessment secara tahunan. Proses ini is conducted through an annual self-assessment
bertujuan untuk mengevaluasi efektivitas pelaksanaan mechanism. This process aims to assess the effectiveness
tugas dan tanggung jawab Dewan Komisaris dalam of the Board of Commissioners in carrying out its duties
menjalankan fungsi pengawasan atas pengelolaan and responsibilities in exercising supervisory functions
OK BANK. Setiap anggota Dewan Komisaris melakukan over the management of OK BANK. Each member of
penilaian secara mandiri terhadap kinerja masing-masing, the Board of Commissioners independently evaluates his or
baik secara individu maupun kolektif, termasuk dalam her performance, both individually and collectively, including
memberikan arahan strategis serta memastikan kepatuhan in providing strategic direction and ensuring compliance
terhadap prinsip-prinsip tata kelola perusahaan yang baik. with the principles of good corporate governance.
Hasil self-assessment tersebut dimanfaatkan sebagai The self-assessment results are used as a basis for
dasar untuk mengidentifikasi area yang memerlukan identifying areas requiring improvement and development,
perbaikan dan pengembangan, sekaligus sebagai sarana as well as a means of enhancing the effectiveness of
peningkatan efektivitas peran Dewan Komisaris. Melalui the Board of Commissioners’ role. Through structured
evaluasi yang terstruktur dan berkesinambungan, Dewan and continuous evaluation, the Board of Commissioners
Komisaris berupaya memperkuat kualitas pengawasan seeks to strengthen the quality of its oversight and its
dan kontribusinya dalam mendukung kemajuan serta contribution in supporting the progress and sustainability
keberlanjutan usaha OK BANK. of OK BANK’s business.
Adapun kriteria untuk menilai Dewan Komisaris diuraikan The criteria for assessing the Board of Commissioners are
sebagai berikut: outlined as follows:
1. Pelaksanaan tugas dan fungsi pengawas Dewan 1. Implementation of the supervisory duties and functions
Komisaris; of the Board of Commissioners;
2. Kepatuhan terhadap peraturan yang berlaku; 2. Compliance with applicable regulations;
3. Tingkat kesehatan Bank; 3. The Bank’s soundness level;
4. Tingkat kehadiran anggota Dewan Komisaris dalam 4. Attendance rate of the Board of Commissioners’
Rapat Dewan Komisaris maupun rapat dalam komite- members in Board of Commissioners meetings as well
komite di bawah pengawasan Dewan Komisaris; serta as in committee meetings under the supervision of
the Board of Commissioners; and
5. Keterlibatan Dewan Komisaris dalam penugasan- 5. Involvement of the Board of Commissioners in specific
penugasan tertentu. assignments.
Dewan Komisaris OK BANK beranggotakan 3 (tiga) orang yang terdiri dari 1 (satu) orang
Komisaris Utama dan 2 (dua) orang Komisaris Independen. Komposisi ini dirancang untuk
memastikan fungsi pengawasan berjalan secara efektif dan objektif. Setiap tahunnya, Dewan
Komisaris secara konsisten menyelenggarakan rapat dan mengikuti program pengembangan
kompetensi untuk memperkuat pemahaman, keterampilan, dan kapasitas dalam menjalankan
peran pengawasan serta memastikan penerapan tata kelola perusahaan yang semakin baik.
The Board of Commissioners of OK BANK consists of 3 (three) members, comprising 1 (one)
President Commissioner and 2 (two) Independent Commissioners. This composition is designed to
ensure that the supervisory function is carried out effectively and objectively. Each year, the Board
of Commissioners consistently holds meetings and participates in competency development
programs to strengthen its understanding, skills, and capacity in performing its supervisory role
and to ensure the continuous improvement of corporate governance implementation.
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Penilaian Kinerja Komite di Bawah Performance Assessment of Committees
Dewan Komisaris Under the Board of Commissioners
Dewan Komisaris secara periodik melakukan penilaian terhadap The Board of Commissioners periodically conducts performance
kinerja komite-komite yang berada di bawahnya sebagai bagian assessments of the committees under its supervision as part
dari upaya memastikan pelaksanaan fungsi pengawasan of efforts to ensure that the supervisory function is carried
berjalan optimal. Proses evaluasi ini meliputi peninjauan out optimally. This assessment process includes a review of
atas efektivitas pelaksanaan tugas masing-masing komite, the effectiveness of each committee in performing its duties,
kepatuhan terhadap mandat yang diberikan, dan kontribusi compliance with the mandates assigned to them, and their
mereka dalam mendukung tata kelola perusahaan yang baik. contributions in supporting good corporate governance.
Sepanjang tahun 2025, hasil evaluasi Dewan Komisaris Throughout 2025, the Board of Commissioners’ evaluation
menunjukkan bahwa seluruh komite telah menjalankan tugas results indicated that all committees had carried out their duties
dan tanggung jawabnya dengan baik serta memberikan and responsibilities properly and had provided effective support
dukungan yang efektif terhadap fungsi pengawasan OK BANK. to OK BANK’s supervisory function. This consistent performance
Kinerja yang konsisten ini mencerminkan komitmen komite reflects the committees’ commitment to maintaining the quality
dalam menjaga kualitas tata kelola sekaligus memperkuat of governance while strengthening the Board of Commissioners’
peran Dewan Komisaris dalam memastikan operasional Bank role in ensuring that the Bank’s operations are conducted in
berjalan sesuai dengan prinsip dan ketentuan yang berlaku. accordance with applicable principles and provisions.
Informasi lebih lengkap mengenai proses penilaian masing- More detailed information regarding the assessment process
masing komite diuraikan sebagai berikut: of each committee is outlined as follows:
1. Komite Audit 1. Audit Committee
Penilaian terhadap Komite Audit dilakukan melalui The Audit Committee is evaluated through an annual
evaluasi tahunan yang meninjau sejauh mana Komite assessment that reviews the extent to which the Audit
Audit menjalankan fungsi pengawasan terhadap proses Committee carries out its supervisory function over
pelaporan keuangan, efektivitas pengendalian internal, the financial reporting process, the effectiveness of internal
dan kepatuhan terhadap regulasi. Melalui proses penilaian controls, and compliance with regulations. Through this
ini, Dewan Komisaris memastikan bahwa Komite Audit assessment process, the Board of Commissioners ensures
beroperasi secara independen, objektif, dan memberikan that the Audit Committee operates independently and
rekomendasi yang relevan guna menjaga kualitas tata objectively, and provides relevant recommendations to
kelola perusahaan. maintain the quality of corporate governance.
2. Komite Pemantau Risiko 2. Risk Monitoring Committee
Penilaian atas kinerja Komite Pemantau Risiko dilakukan The performance assessment of the Risk Monitoring
secara berkala dengan fokus pada efektivitas komite dalam Committee is conducted periodically, with a focus on
memantau manajemen risiko dan menilai kecukupan the committee’s effectiveness in overseeing risk
kebijakan serta prosedur pengelolaan risiko Bank. Evaluasi management and assessing the adequacy of the Bank’s risk
ini dilakukan untuk memastikan bahwa Komite Pemantau management policies and procedures. This assessment is
Risiko mampu memberikan masukan yang konstruktif carried out to ensure that the Risk Monitoring Committee
terkait mitigasi risiko dan mendukung Dewan Komisaris is able to provide constructive input on risk mitigation and
dalam menjaga stabilitas operasional Bank. to support the Board of Commissioners in maintaining
the Bank’s operational stability.
3. Komite Remunerasi dan Nominasi 3. Remuneration and Nomination Committee
Penilaian terhadap Komite Remunerasi dan Nominasi The assessment of the Remuneration and Nomination
menitikberatkan pada perannya dalam memberikan Committee focuses on its role in providing
rekomendasi terkait kebijakan remunerasi, pengembangan recommendations related to remuneration policies,
kompetensi, dan proses nominasi anggota organ competency development, and the nomination process
OK BANK. Evaluasi tahunan ini memastikan bahwa Komite of OK BANK’s governing organ members. This annual
Remunerasi dan Nominasi menjalankan tugasnya secara evaluation ensures that the Remuneration and Nomination
transparan, objektif, dan selaras dengan prinsip tata kelola Committee performs its duties transparently and
perusahaan yang baik sehingga dapat mendukung kinerja objectively, and in alignment with the principles of good
Bank secara berkelanjutan. corporate governance, thereby supporting the Bank’s
sustainable performance.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Direksi
Board of Directors
Direksi merupakan organ tata kelola OK BANK yang memegang The Board of Directors is a governance organ of OK BANK that
peran sentral dalam pengurusan dan pengelolaan kegiatan plays a central role in managing and administering operational
operasional serta bertanggung jawab memastikan bahwa activities and is responsible for ensuring that every policy and
setiap kebijakan dan keputusan bisnis selaras dengan strategi business decision is aligned with the established strategy.
yang telah ditetapkan. Pelaksanaan peran tersebut dilakukan The this role is carried out through planning, organizing,
melalui fungsi perencanaan, pengorganisasian, pengendalian, controlling, and decision-making functions that are oriented
dan pengambilan keputusan yang berorientasi pada pencapaian toward achieving sustainable performance. By considering
kinerja yang berkelanjutan. Dengan memperhatikan dinamika market dynamics and prudent risk management, the Board of
pasar dan pengelolaan risiko secara prudent, Direksi berupaya Directors seeks to maintain business stability while supporting
menjaga stabilitas usaha sekaligus mendukung pertumbuhan the Bank’s healthy growth.
Bank yang sehat.
Dasar Hukum Legal Basis
Dalam melaksanakan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board
mengacu pada berbagai peraturan perundang-undangan yang of Directors refers to the following applicable laws and
berlaku berikut: regulations:
1. Undang-Undang Nomor 40 Tahun 2007 tentang Perseroan 1. Law Number 40 of 2007 on Limited Liability Companies;
Terbatas;
2. POJK Nomor 33/POJK.04/2014 tentang Direksi dan Dewan 2. POJK Number 33/POJK.04/2014 on the Board of Directors
Komisaris Emiten atau Perusahaan Publik; and Board of Commissioners of Issuers or Public Companies;
3. POJK Nomor 21/POJK.04/2015 tentang Penerapan 3. POJK Number 21/POJK.04/2015 on the Implementation of
Pedoman Tata Kelola Perusahaan Terbuka; Corporate Governance Guidelines for Public Companies;
4. POJK Nomor 17 Tahun 2023 tentang Penerapan 4. POJK Number 17 of 2023 on Implementation of Governance
Tata Kelola Bagi Bank Umum; serta for Commercial Banks; and
5. SEOJK Nomor 14/SEOJK.03/2025 tentang Penerapan 5. SEOJK Number 14/SEOJK.03/2025 on Implementation of
Tata Kelola Bagi Bank Umum. Governance for Commercial Banks.
Piagam Direksi Board of Directors’ Charter
OK BANK telah memiliki Piagam Direksi yang menjadi dasar OK BANK has established a Board of Directors Charter that
bagi Direksi dalam melaksanakan tugas dan tanggung serves as the basis for the Board of Directors in carrying out its
jawabnya. Piagam Direksi ini telah disahkan oleh Direksi pada duties and responsibilities. This Board of Directors Charter was
tanggal 14 Juni 2024. approved by the Board of Directors on June 14, 2024.
Kriteria dan Independensi Direksi Criteria and Independency of the Board of
Directors
Dalam memilih anggota Direksi, OK BANK memiliki ketentuan In selecting members of the Board of Directors, OK BANK
yang diuraikan sebagai berikut: applies the following provisions:
1. Seluruh anggota Direksi memiliki integritas tinggi dan 1. All members of the Board of Directors possess high
mempunyai reputasi keuangan yang memadai; integrity and have a sound financial reputation;
2. Mayoritas Direksi memiliki pengalaman di bidang 2. The majority of the Board of Directors have at least
operasional sebagai pejabat eksekutif Bank paling sedikit 5 (five) years of experience in operational roles as the Bank
5 (lima) tahun; executive officer;
3. Seluruh anggota Direksi berdomisili di Indonesia; 3. All members of the Board of Directors reside in Indonesia;
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4. Setiap usulan penggantian dan/atau pengangkatan 4. Any proposal for the replacement and/or appointment
anggota Direksi oleh Dewan Komisaris kepada RUPS telah of members of the Board of Directors by the Board
memperhatikan rekomendasi dari Komite Remunerasi of Commissioners to the GMS has considered
dan Nominasi; the recommendations from the Remuneration and
Nomination Committee;
5. Anggota Direksi baik sendiri-sendiri maupun bersama-sama 5. Members of the Board of Directors, either individually
tidak ada yang memiliki saham melebihi 25% (dua puluh or collectively, do not own more than 25% (twenty-five
lima persen) dari modal disetor pada perusahaan lain; percent) of the paid-up capital in another company;
6. Direksi tidak memiliki hubungan keuangan, hubungan 6. The Board of Directors does not have financial or family
keluarga sampai derajat kedua dengan sesama relationships up to the second degree with fellow members
anggota Direksi, anggota Dewan Komisaris dan/atau of the Board of Directors, members of the Board of
Pemegang Saham Pengendali yang dapat mempengaruhi Commissioners, and/or the Controlling Shareholders that
kemampuannya untuk bertindak independen; serta could affect their ability to act independently; and
7. Anggota Direksi tidak memiliki jabatan rangkap sebagai 7. Members of the Board of Directors do not hold concurrent
anggota Direksi, anggota Dewan Komisaris, atau Pejabat positions as members of the Board of Directors, members
Eksekutif pada bank maupun institusi lainnya. of the Board of Commissioners, or Executive Officers in
other banks or institutions.
Komposisi Direksi Composition of the Board of Directors
Komposisi Direksi OK BANK ditetapkan berdasarkan Akta The composition of OK BANK’s Board of Directors was
Nomor 13 tanggal 22 Mei 2025 yang disusun oleh Notaris established under Deed Number 13 dated May 22, 2025,
Dr. Agung Iriantoro, S.H., M.H. di Jakarta. Susunan Direksi drawn up by Notary Dr. Agung Iriantoro, S.H., M.H., in Jakarta.
tersebut mencerminkan individu-individu dengan keahlian dan The Board of Directors’ composition reflects individuals with
pengalaman yang relevan di bidang perbankan dan manajemen, relevant expertise and experience in banking and management
sehingga mampu memastikan pengelolaan bank berjalan fields, enabling the Bank’s management to be carried out
secara profesional, efektif, dan berorientasi pada prinsip professionally, effectively, and in line with good corporate
tata kelola yang baik. Informasi mengenai komposisi Direksi governance principles. Information on the composition of
OK BANK diuraikan sebagai berikut: OK BANK’s Board of Directors is outlined as follows:
Dasar Pengangkatan
Nama Jabatan Persetujuan OJK
Terakhir
Name Position OJK Approval
Basis for Last Appointment
Direktur Utama RUPSLB 19 Februari 2025 Nomor KEPR-8/PB.02/2025 tanggal 20 Mei 2025
Kang Bong Joo1)
President Director EGMS on February 19, 2025 Number KEPR-8/PB.02/2025 dated May 20, 2025
Wakil Direktur Utama RUPSLB 22 Mei 2025 Nomor KEP-110/D.03/2019 tanggal 21 Juni 2019
Hendra Lie
Vice President Director EGMS on May 22, 2025 Number KEP-110/D.03/2019 dated June 21, 2019
Vincentia M. Direktur Bisnis RUPSLB 11 Mei 2023 Nomor KEPR-82/D.03/2023 tanggal 25 Juli 2023
Djuniwati Wijaya Director of Business EGMS on May 11, 2023 Number KEPR-82/D.03/2023 dated July 25, 2023
Direktur Kepatuhan RUPSLB 22 Mei 2025 Nomor KEP-113/D.03/2019 tanggal 21 Juni 2019
Efdinal Alamsyah
Director of Compliance EGMS on May 22, 2025 Number KEP-113/D.03/2019 dated June 21, 2019
Direktur Kredit RUPSLB 20 November 2024 Nomor KEPR-5/PB.02/2025 tanggal 2 Mei 2025
Jong Ha Lee2)
Director of Credit EGMS on November 20, 2024 Number KEPR-5/PB.02/2025 dated May 2, 2025
Direktur Utama RUPSLB 11 Mei 2022 Nomor KEP-21/PB.1/2021 tanggal 15 Maret 2021
Park Young Man3)
President Director EGMS on May 11, 2022 Number KEP-21/PB.1/2021 dated March 15, 2021
1) Diangkat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan efektif menjabat sejak
tanggal 9 Juli 2025. / Appointed as President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025, and effective since July 9, 2025.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak
tanggal 26 Juni 2025./ Appointed as Director of Credit of OK BANK based on the resolution of the EGMS held on November 20, 2024, and effective since June 26, 2025.
3) Efektif berhenti menjabat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025. / Effectively resigned as
President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025.
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Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of
the Board of Directors
Direksi OK BANK memiliki tugas dan tanggung jawab yang The Board of Directors of OK BANK has the following duties
diuraikan sebagai berikut: and responsibilities:
1. Direksi bertugas menjalankan dan bertanggung jawab atas 1. The Board of Directors is responsible for managing
pengurusan Bank untuk kepentingan Bank sesuai dengan the Bank in the best interest of the Bank in accordance
maksud dan tujuan Bank yang ditetapkan dalam ketentuan with the Bank’s objectives as stipulated in the applicable
peraturan perundang-undangan, Anggaran Dasar, dan laws and regulations, the Articles of Association, and
keputusan RUPS; GMS resolutions;
2. Direksi wajib melaksanakan tugas, wewenang, dan 2. The Board of Directors is required to carry out its
tanggung jawab dengan itikad baik dan dengan prinsip duties, authorities, and responsibilities in good faith and
kehati-hatian; with prudence;
3. Direksi mempertanggungjawabkan pelaksanaan tugasnya 3. The Board of Directors is accountable for the performance
kepada Pemegang Saham melalui RUPS; of its duties to the Shareholders through the GMS;
4. Direksi menerapkan pelaksanaan prinsip-prinsip tata 4. The Board of Directors implements governance principles
kelola dalam setiap kegiatan usaha Bank pada seluruh in all banking operations at every level of the organization
tingkatan/jenjang organisasi PT Bank Oke Indonesia, Tbk.; of PT Bank Oke Indonesia, Tbk;
5. Direksi senantiasa menindaklanjuti temuan pemeriksaan 5. The Board of Directors consistently follows up on audit
dan rekomendasi dari audit internal Bank maupun findings and recommendations from both internal and
eksternal, hasil pengawasan OJK dan/ atau hasil external audits, the supervision results of the OJK, and/or
pengawasan otoritas lain; other regulatory authorities;
6. Direksi wajib memiliki pedoman dan tata tertib kerja yang 6. The Board of Directors is required to have guidelines and
bersifat mengikat bagi setiap anggota Direksi; a code of conduct that are binding for every member of
the Board of Directors;
7. Direksi membentuk Satuan Kerja Audit Internal, Satuan 7. The Board of Directors has established the Internal
Kerja Kepatuhan, Satuan Kerja Manajemen Risiko, Komite Audit Unit, Compliance Unit, Risk Management Unit,
Manajemen Risiko, Komite ALCO, Komite Kredit, dan Risk Management Committee, ALCO Committee, Credit
Komite IT; Committee, and IT Committee;
8. Direksi melakukan penilaian sesuai ketentuan yang berlaku 8. The Board of Directors conducts assessments in
terhadap komite-komite di bawah Direksi seperti Komite accordance with applicable regulations on committees
Kredit, ALCO, Komite Steering TI, Komite Manajemen Risiko, under its supervision, such as the Credit Committee, ALCO
Komite Kebijakan Perkreditan, dan Komite Pengembangan (Asset and Liability Committee), IT Steering Committee,
Produk; Risk Management Committee, Credit Policy Committee,
and Product Development Committee;
9. Direksi mengungkapkan secara terbuka kebijakan yang 9. The Board of Directors discloses strategic policies related
bersifat strategis di bidang kepegawaian kepada karyawan to human resources to employees openly through meetings
melalui pertemuan dengan seluruh karyawan, Surat with all employees, Decision Letter, Circular Letters,
Keputusan maupun Surat Edaran dan email; and emails;
10. Direksi menyediakan data dan informasi yang lengkap dan 10. The Board of Directors provides complete and accurate
akurat kepada Komisaris secara tepat waktu; data and information to the Board of Commissioners in
a timely manner;
11. Direksi melaksanakan pengelolaan data dan informasi 11. The Board of Directors manage data and information in
sesuai dengan tata kelola yang baik pada Bank dan accordance with good governance practices within the
ketentuan peraturan perundang-undangan; Bank, as well as laws and regulations;
12. Keputusan-keputusan strategis senantiasa diputuskan 12. Strategic decisions are always made through Board
melalui rapat Direksi yang pengambilan keputusannya of Directors meetings, with decisions taken based on
dilakukan secara musyawarah mufakat, dibuat risalah deliberation and consensus, documented properly in
rapatnya dan didokumentasikan dengan baik, serta meeting minutes, and implemented in accordance with
diimplementasikan sesuai keputusan rapat, serta didasarkan the meeting’s resolutions. Decisions are made if all
pada pedoman dan tata tertib kerja yang berlaku. Keputusan attending members of the Board of Directors agree, and
diambil apabila seluruh Direksi yang hadir menyetujui dan canceled in the event of dissenting opinions;
dibatalkan jika terjadi dissenting opinions;
13. Direksi tidak memanfaatkan Bank untuk kepentingan 13. The Board of Directors does not use the Bank for personal
pribadi keluarga, atau pihak lain serta tidak mengambil interests, family interests, or the interests of other parties,
dan/atau menerima keuntungan pribadi selain remunerasi and does not take and/or receive personal gains other than
dan fasilitas lainnya yang ditetapkan dalam RUPS; serta remuneration and other benefits determined by the GMS; and
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14. Direksi melaksanakan tugas secara independen tanpa 14. The Board of Directors carries out its duties independently
intervensi dari pihak mana pun yang dapat menyebabkan without interference from any party that may disrupt
kegiatan operasional Bank terganggu sehingga berdampak the Bank’s operational activities, which could result in reduced
pada berkurangnya keuntungan Bank dan/atau menyebabkan profits and/or losses for the Bank.
kerugian Bank.
Tugas dan Tanggung Jawab Masing-Masing Duties and Responsibilities of Each Member
Anggota Direksi of the Board of Directors
Selain tugas dan tanggung jawab secara kolegial, Direksi juga In addition to their collective duties and responsibilities,
memiliki pembagian tugas dan tanggung jawab sesuai dengan the Board of Directors also has distributed duties and
pembidangannya. Informasi mengenai tugas dan tanggung responsibilities according to their respective areas of
jawab masing-masing anggota Direksi diuraikan sebagai responsibility. Information on the duties and responsibilities of
berikut: each Board of Directors’ member is outlined as follows:
Nama Jabatan Tanggung Jawab
Name Position Responsibilities
Kang Bong Joo1) Direktur Utama 1. Direktur Utama bertanggung jawab atas perencanaan dan pengembangan taktis dan strategis Bank,
membentuk tim manajemen yang efektif dan terpadu dan mengembangkan struktur serta budaya
organisasi untuk mendorong pertumbuhan bisnis berdasarkan pada RBB.
2. Direktur Utama memiliki hak dan wewenang untuk bertindak untuk dan atas nama Direksi serta
mewakili Bank sesuai dengan Anggaran Dasar Bank.
3. Direktur Utama bertanggung jawab terhadap pengendalian utama atas seluruh operasi Bank dan
memimpin, membimbing, mengawasi semua unit organisasi Bank.
4. Menentukan dan menerapkan strategi Bank sesuai amanat Rapat Umum Pemegang Saham.
5. Memimpin dan mengkoordinasikan pelaksanaan pengurusan Perseroan sebagaimana ditetapkan dalam
Anggaran Dasar dan keputusan RUPS dengan berdasarkan ketentuan yang berlaku.
6. Memimpin, mengkoordinasikan, mengarahkan, dan menyupervisi divisi-divisi di bawah lingkup
supervisinya termasuk memastikan dilaksanakannya rencana strategis (Rencana Bisnis Bank) dan
pencapaian target kinerja, pelaksanaan kepatuhan pada regulasi, peraturan perundangan-undangan, dan
ketentuan internal Perseroan.
7. Mengawasi dan memastikan koordinasi berbagai komite, unit kerja dalam Bank yang bertanggung
jawab kepada Direktur Utama.
8. Menilai/mengevaluasi dan menganalisis perkembangan Bank bersama-sama anggota Direksi yang
lain, serta merumuskan langkah-langkah perbaikan yang diperlukan.
9. Menjaga Bank selalu dalam kondisi sehat dan bersama anggota Direksi menyelesaikan masalah-
masalah lain yang berpotensi dapat menurunkan tingkat kesehatan Bank.
10. Menetapkan bahwa Bank berada dalam kondisi krisis likuiditas dan mengaktifkan fungsi Business
Continuity Plan serta menyusun strategi penanganan yang segera, sistematis, pragmatis, dan terintegrasi.
11. Tugas-tugas lain, seperti yang diatur dalam ketentuan Bank IIndonesia/OJK dan peraturan perundang-
undangan lain yang berlaku di Indonesia serta pedoman dari Parent Company.
President 1. The President Director is responsible for the Bank’s tactical and strategic planning and development,
Director establishing an effective and integrated management team, and developing the organizational structure
and culture to drive business growth based on the RBB.
2. The President Director has the right and authority to act for and on behalf of the Board of Directors and
to represent the Bank in accordance with the Bank’s Articles of Association.
3. The President Director is responsible for the overall control of the Bank’s operations and for leading,
guiding, and supervising all organizational units of the Bank.
4. Establishing and implementing the Bank’s strategies in accordance with the mandates of the General
Meeting of Shareholders.
5. Chairing and coordinating the management of the Company as stipulated in the Articles of Association
and resolutions of the GMS, based on the prevailing regulations.
6. Leading, coordinating, directing, and supervising the divisions under his/her supervision, including
ensuring the implementation of strategic plans (Bank Business Plan) and the achievement of
performance targets, as well as compliance with applicable provisions, laws and regulations, and
the Company’s internal policies.
7. Overseeing and ensuring coordination among various committees and working units within the Bank
that are accountable to the President Director.
8. Assessing/evaluating and analyzing the Bank’s development together with other members of the Board
of Directors, and formulating necessary improvement measures.
9. Ensuring that the Bank remains in a sound condition and, together with other Directors, resolving other
issues that may potentially affect the Bank’s soundness.
10. Determining whether the Bank is in a liquidity crisis condition, activating the Business Continuity Plan
function, and formulating immediate, systematic, pragmatic, and integrated handling strategies.
11. Other duties as stipulated by the regulations of Bank Indonesia/OJK other prevailing laws and
regulations in Indonesia, and guidelines from the Parent Company.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Nama Jabatan Tanggung Jawab
Name Position Responsibilities
Hendra Lie Wakil Direktur 1. Wakil Direktur Utama bertanggung jawab mendukung pelaksanaan rencana strategis yang ditetapkan
Utama oleh Direktur Utama.
2. Wakil Direktur Utama bertanggung jawab dalam mengarahkan proses-proses perubahan yang
diperlukan di semua bidang untuk mencapai tujuan perusahaan dan kelangsungan bisnis.
3. Bertanggung jawab mengembangkan dan memperkuat image perusahaan dan membangun relationship
dengan nasabah, bank-bank koresponden, serta lembaga keuangan.
4. Bersama Direktur Kredit memonitor, mengevaluasi portofolio kredit dalam hubungannya dengan kualitas
kredit dan pencapaian target sesuai dengan rencana kerja bank serta menetapkan langkah-langkah yang
diperlukan dalam perbaikan kualitas dan penyelamatan kredit.
5. Mengembangkan bisnis Treasury melalui aliansi strategic dengan pihak lain dengan tujuan untuk
mengembangkan bisnis Bank.
6. Memonitor sumber dan penggunaan dana baik yang terkait dengan pencapaian target yang telah
ditetapkan maupun dalam menjaga keamanan likuiditas sehari-hari.
7. Memimpin, mengawasi, dan memonitor jalannya bisnis bank terkait segmen kredit retail, seperti kredit
multi-guna, payroll loan, dan lain-lain.
8. Memimpin pengembangan inisiatif baru untuk produk-produk dan jasa perbankan yang belum ada di
bank baik di bidang lending, funding, maupun transactional base business sesuai dengan tujuan Bank.
9. Menilai/mengevaluasi dan menganalisis perkembangan Bank bersama-sama Direksi yang lain, serta
merumuskan langkah-langkah perbaikan yang diperlukan.
10. Memimpin dan mengarahkan serta menyupervisi penerapan kebijakan pada divisi yang langsung
berada di bawah koordinasi Wakil Direktur Utama.
11. Tugas-tugas lain seperti yang diatur dalam ketentuan Bank Indonesia/OJK dan Peraturan Perundang-
undangan lain, yang berlaku di Indonesia serta Pedoman dari Parent Company.
12. Bertanggung jawab mengatur, mengarahkan, dan memastikan kegiatan operasional Bank agar
senantiasa mengikuti ketentuan yang berlaku serta berpegang pada prinsip-prinsip kehati-hatian
termasuk memastikan dijalankannya penerapan Manajemen Risiko terkait dengan operasional Bank.
Vice President 1. The Vice President Director is responsible for supporting the implementation of strategic plans
Director established by the President Director.
2. The Vice President Director is responsible for directing the necessary change processes across all
areas to achieve the Company’s objectives and ensure business continuity.
3. Responsible for developing and strengthening the Company’s image and building relationships with
customers, correspondent banks, and financial institutions.
4. Together with the Director of Credit, monitoring and evaluating the credit portfolio in relation to credit
quality and target achievement in accordance with the Bank’s work plan, as well as determining
necessary measures to improve credit quality and recovery.
5. Developing the Treasury business through strategic alliances with other parties with the aim of
expanding the Bank’s business.
6. Monitoring the sources and uses of funds, both in relation to achieving predetermined targets and
maintaining daily liquidity security.
7. Leading, supervising, and monitoring the Bank’s business operations related to the retail credit segment,
such as multipurpose loans, payroll loans, and others.
8. Leading the development of new initiatives for banking products and services that do not yet exist in the Bank,
in terms of lending, funding, and transactional-based businesses in line with the Bank’s objectives.
9. Assessing/evaluating and analyzing the Bank’s development together with other members of the Board
of Directors, and formulating necessary improvement measures.
10. Leading, directing, and supervising the implementation of policies in divisions directly under
the coordination of the Vice President Director.
11. Other duties as stipulated by the regulations of Bank Indonesia/OJK, other prevailing laws and regulations
in Indonesia, and guidelines from the Parent Company.
12. Responsible for managing, directing, and ensuring the Bank’s operational activities are always
in compliance with applicable regulations and adhering to prudent principles, including ensuring
the implementation of Risk Management related to the Bank’s operations.
Vincentia M. Direktur Bisnis 1. Bertanggung jawab dalam mengembangkan portofolio bisnis Bank.
Djuniwati Wijaya 2. Memformulasikan serta mengimplementasikan strategi bisnis untuk menunjang pertumbuhan bisnis
Bank, khususnya di bidang perkreditan.
3. Mengembangkan inisiatif baru untuk produk-produk dan jasa perbankan di bidang lending.
4. Bertanggung jawab melakukan analisis tentang bisnis lending dan pertumbuhannya agar sejalan
dengan RBB.
5. Bertanggung jawab untuk memastikan penerapan serta perbaikan terhadap proses bisnis.
6. Memimpin, mengarahkan penyusunan, dan melakukan supervisi pelaksanaan rencana kerja Direktorat
Bisnis.
Director of 1. Responsible for developing the Bank's business portfolio.
Business 2. Formulating and implementing business strategies to support the Bank's business growth, particularly
in the lending sector.
3. Developing new initiatives for banking products and services in the lending area.
4. Being responsible for analyzing the lending business and its growth to ensure alignment with the RBB.
5. Responsible for ensuring the implementation and improvement of business processes.
6. Leading, directing the preparation, and supervising the implementation of the Business Directorate's
work plan.
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Nama Jabatan Tanggung Jawab
Name Position Responsibilities
Vincentia M. Direktur Bisnis 7. Membangun dan membina efektivitas dan efisiensi pelaksanaan tugas dan tanggung jawab pada
Djuniwati Wijaya jajaran ruang lingkup Direktoratnya.
8. Melaksanakan tugas-tugas lain yang diberikan oleh Direktur Utama, Dewan Komisaris serta Pemegang
Saham, sepanjang tidak bertentangan dengan Anggaran Dasar, ketentuan internal, regulasi dan
peraturan perundang-undangan yang berlaku.
9. Memimpin, mengkoordinasikan, mengarahkan, dan menyupervisi divisi-divisi di bawah lingkup
supervisinya termasuk memastikan dilaksanakannya rencana strategis (Rencana Bisnis Bank) dan
pencapaian target kinerja, pelaksanaan kepatuhan pada regulasi, peraturan perundangan-undangan,
dan ketentuan Bank.
10. Menilai/mengevaluasi dan menganalisis perkembangan Bank bersama-sama Direksi yang lain, serta
merumuskan langkah-langkah perbaikan yang diperlukan.
11. Tugas-tugas lain seperti yang diatur dalam ketentuan Bank Indonesia/OJK dan peraturan perundang-
undangan lain yang berlaku serta Pedoman dari Parent Company.
Director of 7. Building and fostering the effectiveness and efficiency of task and responsibility execution within
Business the scope of the Directorate.
8. Carrying out other duties assigned by the President Director, Board of Commissioners, and Shareholders,
provided that such duties do not conflict with the Articles of Association, internal policies, prevailing
regulations, and applicable laws and regulations.
9. Leading, coordinating, directing, and supervising the divisions under his/her supervision, including
ensuring the implementation of strategic plans (Bank’s Business Plan) and the achievement of
performance targets, compliance with provision, laws and regulations, as well as the Bank’s internal
policies.
10. Assessing/evaluating and analyzing the Bank’s development together with other members of the Board
of Directors, and formulating necessary improvement measures.
11. Performing other duties as stipulated by the regulations of Bank Indonesia/Financial Services
Authority, other prevailing laws and regulations, and guidelines from the Parent Company.
Efdinal Alamsyah Direktur 1. Membantu Direksi dalam memastikan bahwa kegiatan bisnis dan internal Bank dikelola dan
Kepatuhan dilaksanakan secara bertanggung jawab sesuai dengan ketentuan yang berlaku.
2. Memastikan Direksi membuat kebijakan dan/atau keputusan, yang sejalan dengan Bank Indonesia/
Otoritas Jasa Keuangan dan peraturan lain yang berlaku.
3. Bertanggung jawab menetapkan prosedur untuk memastikan kepatuhan bank terhadap semua
peraturan (Bank Indonesia/Otoritas Jasa Keuangan/Peraturan lainnya) dalam rangka praktik perbankan
yang sehat dan penuh kehati-hatian.
4. Bertanggung jawab untuk memantau dan menjaga kepatuhan bank terhadap semua perjanjian dan
komitmen yang dibuat oleh Bank dengan Bank Indonesia/Otoritas Jasa Keuangan/Institusi lainnya.
5. Bertanggung jawab untuk memantau dan menjaga agar kegiatan/aktivitas Bank tidak melanggar
peraturan yang berlaku.
6. Bertanggung jawab mengembangkan kebijakan dan strategi Manajemen Risiko secara tertulis.
7. Memastikan dan memantau penerapan Manajemen Risiko di dalam bank serta mengembangkan
budaya manajemen risiko di semua tingkatan organisasi.
8. Bertanggung jawab untuk memberikan keputusan akhir atas transaksi yang mencurigakan.
9. Bersama-sama dengan anggota Direksi lain menetapkan sistem, sarana dan prasarana untuk
penerapan Manajemen Risiko pada seluruh unit kegiatan Bank dengan menyusun kebijakan, prosedur
dan strategi manajemen risiko secara tertulis dan komprehensif.
10. Bersama-sama anggota Direksi lain memastikan dijalankannya berbagai aspek ketentuan dalam
Manajemen Risiko yang meliputi risiko operasional, kredit, pasar, likuiditas, dan kepatuhan termasuk
mengelola risiko yang melekat pada aktivitas baru.
Director of 1. Assisting the Board of Directors in ensuring that the Bank’s business and internal activities are managed
Compliance and carried out responsibly in accordance with applicable regulations.
2. Ensuring that the Board of Directors establishes policies and/or decisions in accordance with Bank
Indonesia/the Financial Services Authority, and other applicable regulations.
3. Being responsible for establishing procedures to ensure the Bank’s compliance with all regulations
(Bank Indonesia/ Financial Services Authority/other regulations) in order to maintain sound and
prudent banking practices.
4. Being responsible for monitoring and maintaining the Bank’s compliance with all agreements and
commitments entered into with Bank Indonesia/ Financial Services Authority/other institutions.
5. Responsible for monitoring and ensuring that the Bank’s activities/operations do not violate applicable
regulations.
6. Responsible for developing written Risk Management policies and strategies.
7. Ensuring and monitoring the implementation of Risk Management within the Bank as well as fostering
a risk management culture at all levels of the organization.
8. Responsible for making final decisions on suspicious transactions.
9. Together with other members of the Board of Directors establishing systems, facilities, and infrastructure
for the implementation of Risk Management across all Bank activity units by developing written and
comprehensive risk management policies, procedures, and strategies.
10. Together with other members of the Board of Directors, ensuring the implementation of various aspects
of risk management provisions covering operational, credit, market, liquidity, and compliance risks,
including managing risks inherent in new activities.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Nama Jabatan Tanggung Jawab
Name Position Responsibilities
Efdinal Alamsyah Direktur 11. Membuat Laporan Tahunan sebagai pertanggungjawaban Direksi kepada Pemegang Saham, serta
Kepatuhan mengatur penyelenggaraan RUPS/RUPSLB dan melaksanakan hasil keputusannya.
12. Memimpin, mengkoordinasikan, mengarahkan, dan menyupervisi divisi-divisi di bawah lingkup
supervisinya termasuk memastikan dilaksanakannya rencana strategis (Rencana Bisnis Bank) dan
pencapaian target kinerja, pelaksanaan kepatuhan pada regulasi, peraturan perundangan-undangan,
dan ketentuan internal Perseroan.
13. Tugas-tugas lain seperti yang diatur dalam ketentuan Bank Indonesia/OJK dan peraturan perundangan-
undangan lain yang berlaku serta pedoman dari Parent Company.
Director of 11. Preparing the Annual Report as the Board of Directors’ accountability to the Shareholders, organizing
Compliance the GMS/EGMS, and implementing its resolutions.
12. Leading, coordinating, directing, and supervising the divisions under his/her supervision, including
ensuring the implementation of strategic plans (Bank Business Plan) and the achievement of
performance targets, compliance with provision, laws and regulations, as well as the Company’s
internal policies.
13. Performing other duties as stipulated by the regulations of Bank Indonesia/OJK, other prevailing laws
and regulations, and guidelines from the Parent Company.
Jong Ha Lee2) Direktur Kredit 1. Bertanggung jawab dalam merumuskan dan merencanakan kebijakan perkreditan yang akan
ditempuh oleh Bank sesuai dengan perkembangan perekonomian dan kemampuan internal Bank serta
mempertimbangkan faktor keamanan risiko kredit Bank.
2. Bersama Direktur Bisnis bertanggung jawab terhadap tercapainya target kredit baik kualitas maupun
kuantitas sesuai RBB berdasarkan prinsip kehati-hatian.
3. Memastikan pelaksanaan prinsip kehati-hatian di bidang perkreditan dengan menjamin terlaksananya
ketentuan dalam Pedoman Kebijaksanaan Perkreditan Bank (PKPB), Kualitas Aktiva Produksi (KAP),
Pembentukan Penyisihan Aktiva Produktif (PPAP), Batas Maksimal Pemberian Kredit (BMPK), Rasio
Kredit Bermasalah (Non-Performing Loan) dan ketentuan lainnya yang berlaku di bidang perkreditan.
4. Bertanggung jawab mengoptimalkan penerimaan pendapatan dari sektor perkreditan termasuk
mengupayakan penjualan kembali Agunan Yang Diambil Alih (AYDA).
5. Memimpin Komite Kredit dalam membahas permohonan kredit nasabah dan memberikan keputusan
dalam Komite Kredit.
6. Mengawasi dan bertanggung jawab atas penyelesaian kredit bermasalah termasuk melaksanakan
usaha penyelesaian kredit bermasalah baik di Kantor Pusat maupun di Kantor Cabang sesuai dengan
program kerja dan sasaran yang telah ditetapkan.
7. Tugas-tugas lain seperti yang diatur dalam ketentuan Bank Indonesia/OJK dan peraturan perundang-
undangan lain yang berlaku.
Director of Credit 1. Responsible for formulating and planning the credit policy to be pursued by the Bank in accordance
with economic developments and the Bank’s internal capabilities, as well as considering the security of
the Bank’s credit risks.
2. Together with the Director of Business, being responsible for achieving credit targets in both quality and
quantity in accordance with the RBB based on prudential principles.
3. Ensuring the implementation of prudential principles in credit, guaranteeing compliance with
the provisions in the Bank’s Credit Policy Guidelines (PKPB), Earnings Asset Quality (KAP), Provision
for Earning Assets (PPAP), Legal Lending Limit (LLL), Non-Performing Loan ratio, and other applicable
provisions in the credit sector.
4. Responsible for optimizing income generation from the credit sector, including efforts to resell
Foreclosed Collateral (AYDA).
5. Leading the Credit Committee in discussing customer credit applications and making decisions within
the Credit Committee.
6. Supervising and being responsible for resolving non-performing loans, including efforts to resolve
problematic loans both at the Head Office and Branch Offices according to the established work
program and targets.
7. Other duties as stipulated in the regulations of Bank Indonesia/Financial Services Authority and other
applicable laws and regulations.
1) Diangkat sebagai Direktur Utama OK BANK menggantikan posisi Bapak Park Young Man berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025
dan efektif menjabat sejak tanggal 9 Juli 2025. / Appointed as President Director of OK BANK replacing Mr. Park Young Man based on EGMS resolution dated February 19, 2025,
and effective since July 9, 2025.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak
tanggal 26 Juni 2025 . / Appointed as Director of Credit of OK BANK based on EGMS resolution dated November 20, 2024, and effective since June 26, 2025.
Selain tugas dan tanggung jawab, Direksi juga memiliki In addition to the duties and responsibilities, the Board of
wewenang yang diuraikan sebagai berikut: Directors also has the following authorities:
1. Direksi berhak mewakili OK BANK di dalam dan di luar 1. The Board of Directors has the right to represent OK BANK
pengadilan tentang segala hal; in and out of court on all matters;
2. Direksi berhak dan berwenang mengikat OK BANK 2. The Board of Directors has the right and authority to bind
dengan pihak lain atau pihak lain dengan OK BANK, OK BANK with other parties or vice versa, and to carry
serta menjalankan segala tindakan baik yang mengenai out all actions related to management and/or ownership,
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kepengurusan dan/atau kepemilikan, akan tetapi tidak without prejudice to the provisions of OK BANK’s Articles
menghilangkan ketentuan yang berlaku pada Anggaran of Association and prevailing laws and regulations;
Dasar OK BANK dan peraturan perundang-undangan;
3. Direksi berhak mengatur sendiri pembagian pekerjaan di 3. The Board of Directors has the right to organize the division
antara para anggota Direksi secara bersama-sama, secara of work among its members jointly, based on consensus
musyawarah mufakat dan asas kekhususannya; and the principle of specificity;
4. Direktur Utama berhak dan berwenang bertindak untuk 4. The President Director has the right and authority to act on
dan atas nama Direksi serta mewakili OK BANK; serta behalf of the Board of Directors and represent OK BANK; and
5. Direktur Utama berhak menunjuk salah satu Direktur 5. The President Director has the right to appoint one of
bertindak untuk dan atas nama Direksi serta mewakili the Directors to act on behalf of the Board of Directors and
OK BANK, apabila Direktur Utama sakit, bepergian, atau represent OK BANK in the event the President Director is
berhalangan karena sebab lain, hal mana tidak perlu ill, traveling, or otherwise unavailable, without the need to
dibuktikan kepada pihak ketiga. provide proof of this to third parties.
Pelaksanaan Tugas Direksi Implementation of the Board of Directors’
Duties
Sepanjang tahun 2025, Direksi telah melaksanakan tugas Throughout 2025, the Board of Directors had carried out its
dan tanggung jawabnya terkait pengelolaan OK BANK sesuai duties and responsibilities in managing OK BANK in accordance
dengan peraturan perundang-undangan yang berlaku serta with applicable laws and regulations, as well as the Articles of
Anggaran Dasar OK BANK sesuai dengan fungsi dan tugas Association of OK BANK, in line with the respective functions
pokok masing-masing anggota. and main duties of each member.
Rapat Direksi Meeting of the Board of Directors
Dalam pelaksanaan tugas pengelolaannya, Direksi In carrying out its management duties, the Board of Directors of
OK BANK mengadakan rapat secara berkala untuk memastikan OK BANK holds regular meetings to ensure that the
penerapan tata kelola berjalan sesuai ketentuan. Mengacu implementation of corporate governance is conducted in
pada Pasal 30 POJK Nomor 17 Tahun 2023 tentang Penerapan accordance with applicable provisions. Referring to Article 30 of
Tata Kelola Bagi Bank Umum dan Piagam Direksi OK BANK, POJK Number 17 of 2023 on the Implementation of Governance
rapat rutin diselenggarakan minimal 1 (satu) kali dalam 1 (satu) for Commercial Banks and the OK BANK Board of Directors’
bulan. Di luar jadwal tersebut, Direksi juga dapat mengadakan Charter, regular meetings are convened at least once a month.
rapat tambahan apabila terdapat permintaan dari anggotanya, Outside this schedule, the Board of Directors may also hold
sepanjang pelaksanaannya tetap mengikuti ketentuan dan additional meetings upon request by its members, provided that
prosedur yang berlaku. such meetings are conducted in compliance with applicable rules
and procedures.
Direksi telah menyelenggarakan rapat sebanyak 18 (delapan The Board of Directors held 18 (eighteen) meetings throughout
belas) kali sepanjang tahun 2025. Informasi mengenai tingkat 2025. Information on meeting attendance rate is described as
kehadiran rapat diuraikan sebagai berikut: follows:
Nama Jabatan Jumlah Rapat Kehadiran Persentase
Nameh Position Total Meeting Attendance Percentage
Direktur Utama
Kang Bong Joo1) 11 11 100,00
President Director
Wakil Direktur Utama
Hendra Lie 18 17 94,44
Vice President Director
Vincentia M. Direktur Bisnis
18 18 100,00
Djuniwati Wijaya Director of Business
Direktur Kepatuhan
Efdinal Alamsyah 18 17 94,44
Director of Compliance
Direktur Kredit
Jong Ha Lee2) 12 12 100,00
Director of Credit
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Nama Jabatan Jumlah Rapat Kehadiran Persentase
Nameh Position Total Meeting Attendance Percentage
Direktur Utama
Park Young Man3) 5 5 100,00
President Director
Rata-Rata Persentase Kehadiran Direksi dalam Rapat [ESG G-02]
98,15
Average Percentage of Attendance of the Board of Directors at Meetings [ESG G-02]
1) Diangkat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan efektif menjabat sejak
tanggal 9 Juli 2025. / Appointed as President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025, and effective since July 9, 2025.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak
tanggal 26 Juni 2025./ Appointed as Director of Credit of OK BANK based on the resolution of the EGMS held on November 20, 2024, and effective since June 26, 2025.
3) Efektif berhenti menjabat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025. / Effectively resigned as
President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025.
Program Orientasi bagi Direksi Baru Orientation Program for New Members
of the Board of Directors
Sebagai bagian dari komitmen OK BANK untuk memastikan As part of OK BANK’s commitment to ensuring governance
kesinambungan tata kelola dan efektivitas kepemimpinan, continuity and leadership effectiveness, any changes or
setiap pergantian atau penambahan jajaran Direksi pada additions to the Board of Directors are, in principle, accompanied
prinsipnya diiringi dengan upaya untuk memperkuat by efforts to strengthen understanding of the Bank’s vision,
pemahaman mengenai visi, strategi, dan dinamika operasional
strategy, and operational dynamics. In 2025, new members of
Bank. Pada tahun 2025, terdapat anggota Direksi baru yaitu
the Board of Directors were appointed, namely Kang Bong Joo as
Kang Bong Joo selaku Direktur Utama dan Jong Ha Lee selaku
President Director and Jong Ha Lee as Director of Credit. In line
Direktur Kredit. Sejalan dengan pengalaman dan kompetensi
with their existing experience and competencies, the process
yang telah dimiliki, proses pemahaman terhadap peran dan
of understanding their strategic roles and responsibilities was
tanggung jawab strategis dilakukan secara terintegrasi melalui
carried out in an integrated manner through various internal
berbagai mekanisme koordinasi dan komunikasi internal,
coordination and communication mechanisms. Therefore, no
sehingga tidak terdapat pelaksanaan program orientasi formal
secara khusus pada periode tersebut. formal orientation program was specifically conducted during
the period.
Pelatihan Direksi [ESG G-05] [GRI 2-17]
Training for the Board of Directors [ESG G-05]
[GRI 2-17]
Pelatihan bagi Direksi dirancang untuk memperkuat
pemahaman strategis dan kemampuan manajerial agar setiap Training for the Board of Directors is designed to strengthen
anggota mampu menjalankan fungsi pengelolaan secara strategic understanding and managerial capabilities so that
optimal. Kegiatan ini dapat berbentuk workshop, seminar, each member is able to perform management functions
sertifikasi kompetensi, maupun program pembelajaran optimally. Such activities may take the form of workshops,
berkelanjutan yang membahas perkembangan regulasi, seminars, competency certifications, or continuous learning
manajemen risiko, dan tren industri perbankan. OK BANK programs that address regulatory developments, risk
menunjukkan komitmennya melalui penyediaan program management, and trends in the banking industry. OK BANK
pelatihan yang relevan dan terstruktur sehingga Direksi selalu demonstrates its commitment by providing relevant and
memiliki bekal pengetahuan yang memadai dalam mendukung structured training programs, ensuring that the Board of
kualitas tata kelola perusahaan.
Directors is always equipped with adequate knowledge to
support the quality of corporate governance.
Informasi mengenai pelatihan pengembangan kompetensi
yang diikuti oleh Direksi sepanjang tahun 2025 diuraikan
Information regarding competency development training
sebagai berikut:
attended by the Board of Directors throughout 2025 is outlined
as follows:
Waktu dan
Nama Jabatan Program yang Diikuti Penyelenggara Tempat
Name Position Programs Attended Organizer Date and
Place
Kang Bong Joo1) Direktur Utama In-House Company Training Kursus Bahasa Indonesia. LBA FIBA UI 5 Agustus-
President Director In-House Company Training: Bahasa Indonesia Course. 9 Oktober 2025
August 5-
October 9, 2025
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Waktu dan
Nama Jabatan Program yang Diikuti Penyelenggara Tempat
Name Position Programs Attended Organizer Date and
Place
Hendra Lie Wakil Direktur Outlook Ekonomi dan Keuangan di Tahun 2025. OJK 20 Februari 2025
Utama Economic and Financial Outlook in 2025 February 20, 2025
Vice President Digital Economic Forum. CNBC, Artajasa 25 Februari 2025
Director Digital Economic Forum. February 25, 2025
Pelatihan Pemeliharaan Sertifikat Manajemen Risiko Kovida 26 Mei 2025
Jenjang 7. May 26, 2025
Risk Management Certification Maintenance Training
Level 7.
When Security Becomes the Greatest Risk in Financial infobank 20 November 2025
Industry. November 20, 2025
When Security Becomes the Greatest Risk in Financial
Industry.
Indonesia Banking Innovation Conclave. FKDOP 24 November 2025
Indonesia Banking Innovation Conclave. November 24, 2025
Indonesia Banking Innovation Conclave. FKDOP 2 Desember 2025
Indonesia Banking Innovation Conclave. December 2, 2025
Perbanas CFO Forum 2025. Perbanas 3 Desember 2025
Perbanas CFO Forum 2025. December 3, 2025
Finansial Forum Penguatan Sistem Keuangan Indonesia. CNBC 3 Desember 2025
Financial Forum on Strengthening Indonesia’s Financial December 3, 2025
System.
Dialog Akhir Tahun antara Anggota Dewan Komisioner OJK 4 Desember 2025
dan Industri Jasa Keuangan Tahun 2025. December 4, 2025
Year-End Dialogue between Members of the Board of
Commissioners and the Financial Services Industry 2025.
Forum SERASI dan SIGUNA dalam Rangka Mitigasi BI 19 Desember 2025
Risiko Operasional Layanan SP, beserta TI dan Siber December 19, 2025
pada Periode Libur Panjang Nataru 2025/2026.
SERASI and SIGUNA Forum as Operational Risk
Mitigation in SP Services, including IT and Cybersecurity
during the Nataru (Christmas and Year-End) Long
Holiday Period 2025/2026.
Vincentia M. Direktur Bisnis Outlook Ekonomi dan Keuangan di Tahun 2025. OJK 20 Februari 2025
Djuniwati Wijaya Director of Economic and Financial Outlook in 2025. February 20, 2025
Business Pelatihan Pemeliharaan Sertifikat Manajemen Risiko Kovida 26 Mei 2025
Jenjang 7. May 26, 2025
Risk Management Certification Maintenance Training
Level 7.
Efdinal Alamsyah Direktur Kepatuhan CEO Forum – 2025. Perbanas 22 Januari 2025
Director of CEO Forum – 2025. January 22, 2025
Compliance Launching Lembaga Sertifikasi Profesi (LSP) Sistem ASPI 4 Februari 2025
Pembayaran Indonesia (SPI). February 4, 2025
Launching of the Professional Certification Institution
(LSP) for the Indonesian Payment System (SPI).
Pertemuan Tahunan Industri Jasa Keuangan 2025. OJK 11 Februari 2025
Annual Meeting of the Financial Services Industry 2025. February 11, 2025
Outlook Ekonomi dan Keuangan di Tahun 2025. OJK 20 Februari 2025
Economic and Financial Outlook in 2025. February 20, 2025
Pertemuan Koordinasi PPATK Tahun 2025. PPATK 26 Februari 2025
Coordination Meeting of PPATK 2025. February 26, 2025
Banking Talent Future Readiness. FHCPI 26 Februari 2025
Banking Talent Future Readiness. February 26, 2025
Refreshment "Developing Strategy for Managing Bank Bankers 24-25 April 2025
Business & Risks In Current Global Situation". Association for Risk April 24-25, 2025
Refreshment "Developing Strategy for Managing Bank Management
Business & Risks In Current Global Situation".
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Waktu dan
Nama Jabatan Program yang Diikuti Penyelenggara Tempat
Name Position Programs Attended Organizer Date and
Place
Efdinal Alamsyah Direktur Kepatuhan Re-Certification Sertifikasi Kepatuhan Jenjang 7. LSPP 9 September 2025
Director of Re-Certification of Compliance Certification Level 7. September 9, 2025
Compliance FKDKP Batch 2 Tahun 2025. FKDKP 16 September 2025
FKDKP Batch 2 of 2025. September 16, 2025
Festival FEKDI X IFSE. BI 30 Oktober 2025
FEKDI X IFSE Festival. October 30, 2025
Penguatan Komite TPPU dalam Mencegah dan PPATK 4 November 2025
Memberantas Tindak Pidana Pencucian Uang terkait November 4, 2025
Perjudian Online.
Strengthening the TPPU Committee in Preventing
and Combating Money Laundering related to Online
Gambling.
Sosialisasi POJK Nomor 24 tahun 2025 tentang OJK 28 November 2025
Pengelolaan Rekening pada Bank Umum. November 28, 2025
Dissemination of POJK Number 24 of 2025 on Bank
Account Management in Commercial Banks.
Jong Ha Lee2) Direktur Kredit Refresher Program Jenjang 6 dan 7. KOVIDA 26 Mei 2025
Director of Credit Refresher Program Level 6 and 7. May 26, 2025
Pembekalan Treasury Dealer Jenjang 7. Apuvindo 17-18 Oktober 2025
Preparation of Treasury Dealer Level 7. October 17-18,
2025
Uji Sertifikasi Treasury Jenjang 7. ACI 20 November 2025
Treasury Certification Test Level 7. November 20, 2025
Park Young Man3) Direktur Utama - - -
President Director
1) Diangkat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan efektif menjabat sejak
tanggal 9 Juli 2025. / Appointed as President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025, and effective since July 9, 2025.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak
tanggal 26 Juni 2025./ Appointed as Director of Credit of OK BANK based on the resolution of the EGMS held on November 20, 2024, and effective since June 26, 2025.
3) Efektif berhenti menjabat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan tidak ada program pelatihan
yang diikuti. / Effectively resigning as President Director of OK BANK based on EGMS resolution dated February 19, 2025, and did not participate in any training programs.
Penilaian Kinerja Direksi [ESG G-04] [GRI 2-18] Performance Assessment of
the Board of Directors [ESG G-04] [GRI 2-18]
Penilaian kinerja Direksi dilaksanakan melalui mekanisme The Board of Directors’ performance assessment is carried out
yang terstruktur untuk memastikan pencapaian dan through a structured mechanism to ensure that the achievement
pelaksanaan tugas dapat diukur secara objektif dan akuntabel. and execution of duties can be measured objectively and
Proses ini mengacu pada Key Performance Indicators (KPI) accountably. This process refers to the Key Performance
yang ditetapkan sebagai tolok ukur utama guna memastikan Indicators (KPIs) established as the main benchmarks to
bahwa setiap anggota Direksi menjalankan perannya secara ensure that each member of the Board of Directors performs
optimal dan selaras dengan strategi OK BANK. KPI disusun his or her role optimally and in alignment with OK BANK’s
dengan mempertimbangkan aspek strategis dan operasional, strategy. The KPIs are formulated by considering strategic
sehingga hasil penilaian memberikan gambaran yang jelas and operational aspects, so that the assessment results
mengenai kontribusi Direksi terhadap pengelolaan, kinerja, dan provide a clear picture of the Board of Directors’ contribution to
pengembangan Bank. the Bank’s management, performance, and development.
Dalam pelaksanaannya, Dewan Komisaris menjalankan peran In its implementation, the Board of Commissioners plays a main
utama dalam melakukan evaluasi kinerja Direksi berdasarkan role in evaluating the Board of Directors’ performance based on
indikator KPI tersebut. Penilaian dilakukan secara menyeluruh these KPI indicators. Comprehensive assessment is conducted
melalui penelaahan capaian kinerja, efektivitas pengambilan through a review of performance achievements, effectiveness
keputusan, serta konsistensi pelaksanaan tugas dan tanggung of decision-making, and consistency in performing duties and
jawab selama periode penilaian. Melalui mekanisme evaluasi ini, responsibilities during the evaluation period. Through this
Dewan Komisaris memastikan bahwa pengurusan Bank tetap evaluation mechanism, the Board of Commissioners ensures that
berada pada koridor tujuan korporasi, prinsip kehati-hatian, the Bank’s management remains within the framework of corporate
dan penerapan tata kelola perusahaan yang baik. objectives, prudential principles, and good corporate governance.
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Adapun prosedur dan tata cara penilaian kinerja Direksi The procedures and methods for evaluating the performance
diuraikan sebagai berikut: of the Board of Directors are outlined as follows:
1. Metode Penilaian self-assessment dilakukan oleh Direksi 1. The self-assessment method is conducted by the Board of
dengan menggunakan Formulir Self-Assessment; Directors using a Self-Assessment Form;
2. Waktu pelaksanaan: wajib melakukan penilaian sendiri 2. Implementation period: self-assessment must be
(self-assessment) minimal 1 (satu) kali dalam 1 (satu) tahun; conducted at least once a year;
3. Kriteria atau tolok ukur yang digunakan mengacu pada 3. The criteria or benchmarks used refer to the RBB that has
RBB yang telah disetujui oleh Dewan Komisaris; serta been approved by the Board of Commissioners; and
4. Pihak yang melakukan penilaian kinerja Direksi adalah 4. The party conducting the performance evaluation of
Direksi itu sendiri, melalui metode self-assessment, yang the Board of Directors is the Board of Directors it self, through
kemudian hasilnya dievaluasi oleh Dewan Komisaris. the self-assessment method, with the results subsequently
reviewed and evaluated by the Board of Commissioners.
Direksi OK BANK merupakan organ pengurus yang memegang peran strategis dalam mengarahkan,
mengelola, dan memastikan seluruh kegiatan usaha Bank berjalan secara prudent, efektif, dan
berkelanjutan. Dengan mengedepankan prinsip kehati-hatian, kepatuhan, serta tata kelola
perusahaan yang baik, Direksi bertanggung jawab menerjemahkan visi dan strategi OK BANK ke
dalam kebijakan dan keputusan operasional yang terukur. Melalui kepemimpinan yang profesional,
adaptif, dan berbasis kinerja, Direksi berperan penting dalam menjaga stabilitas usaha, meningkatkan
daya saing, serta menciptakan nilai jangka panjang bagi seluruh pemangku kepentingan.
The Board of Directors of OK BANK is the management organ that plays a strategic role in
directing, managing, and ensuring that all of the Bank’s business activities are conducted in
a prudent, effective, and sustainable manner. By upholding the principles of prudence, compliance,
and good corporate governance, the Board of Directors is responsible for translating OK BANK’s
vision and strategy into measurable policies and operational decisions. Through professional,
adaptive, and performance-based leadership, the Board of Directors plays a vital role in maintaining
business stability, enhancing competitiveness, and creating long-term value for all stakeholders.
Penilaian Kinerja Komite di Bawah Direksi Performance Assessment of Committees
Under the Board of Directors
Direksi OK BANK menjalankan fungsi pengawasan dan The Board of Directors of OK BANK carries out internal
pengendalian internal dengan dukungan sejumlah komite yang control and supervisory functions with the support of several
bertugas menangani area-area strategis dalam operasional committees responsible for handling strategic areas of
Bank. Komite yang berada di bawah Direksi mencakup Komite the Bank’s operations. The committees under the Board of Directors
Kredit, Komite Manajemen Risiko, Komite Pengarah TI, Assets include the Credit Committee, Risk Management Committee,
and Liability Committee (ALCO), Komite Kebijakan Perkreditan, IT Steering Committee, Assets and Liability Committee (ALCO),
dan Komite Pengembangan Produk. Masing-masing komite Credit Policy Committee, and Product Development Committee.
memiliki mandat khusus yang berkontribusi pada ketepatan Each committee has a specific mandate that contributes to
keputusan, manajemen risiko yang komprehensif, dan sound decision-making, comprehensive risk management, and
pengembangan layanan perbankan yang berkelanjutan. the sustainable development of banking services.
Setiap tahun Direksi melakukan penilaian kinerja terhadap Each year, the Board of Directors conducts performance
seluruh komite untuk memastikan efektivitas pelaksanaan assessments of all committees to ensure the effective execution
tugas sesuai dengan mandat yang diberikan. Evaluasi dilakukan of their duties in accordance with the mandates granted.
melalui peninjauan proses kerja, kualitas rekomendasi, dan The evaluation is carried out through a review of work process,
kesesuaian tindakan komite dengan arah strategis Bank. quality of recommendations, and alignment of committee actions
Hasil penilaian tahun 2025 menunjukkan bahwa seluruh with the Bank’s strategic direction. The 2025 assessment results
komite telah menjalankan tanggung jawabnya secara efektif, indicate that all committees had performed their responsibilities
sehingga peran mereka dinilai mampu memberikan dukungan effectively, and their roles are therefore considered to have
signifikan terhadap stabilitas operasional dan pencapaian provided significant support to operational stability and
tujuan bisnis OK BANK. the achievement of OK BANK’s business objectives.
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Nominasi dan Remunerasi Dewan Komisaris
dan Direksi
Nomination and Remuneration of the Board of Commissioners
and the Board of Directors
OK BANK menerapkan prinsip keadilan dalam proses nominasi OK BANK applies the principle of fairness in the nomination
dan remunerasi bagi Dewan Komisaris dan Direksi sebagai bagian and remuneration process for the Board of Commissioners
dari komitmen terhadap tata kelola perusahaan yang baik. Setiap and the Board of Directors as part of its commitment to good
proses penunjukan serta penetapan remunerasi dilaksanakan corporate governance. Each appointment and remuneration
secara objektif dan transparan, dengan mempertimbangkan determination is carried out objectively and transparently,
kompetensi, tanggung jawab, kinerja, integritas, serta kontribusi by considering competence, responsibilities, performance,
masing-masing individu terhadap pencapaian tujuan OK BANK. integrity, and each individual’s contribution to the achievement
Mekanisme tersebut disusun dan dijalankan sesuai of OK BANK’s objectives. These mechanisms are designed
dengan kebijakan tata kelola dan ketentuan peraturan and implemented in accordance with the Bank’s governance
perundang-undangan yang berlaku. Melalui penerapan proses policies and applicable laws and regulations. Through
nominasi dan remunerasi yang terstruktur dan berkeadilan, the implementation of structured and equitable nomination
OK BANK memastikan tersedianya jajaran manajemen puncak and remuneration process, OK BANK ensures the availability of
yang kompeten dan berintegritas. Pendekatan ini menjadi a competent and high-integrity top management team. This
fondasi penting dalam mendukung efektivitas pengelolaan approach serves as an essential foundation for supporting
Bank, memperkuat akuntabilitas, serta mendorong keberlanjutan effective Bank management, strengthening accountability, and
dan pertumbuhan usaha secara bertanggung jawab. promoting sustainable and responsible business growth.
Prosedur Nominasi Dewan Komisaris Nomination Procedure for the Board of
dan Direksi [GRI 2-10] Commissioners and the Board of Directors
[GRI 2-10]
Prosedur nominasi anggota Dewan Komisaris dan Direksi The nomination procedure for members of the Board of
OK BANK diawali dengan pengusulan calon oleh Pemegang Commissioners and the Board of Directors of OK BANK
Saham Pengendali, yang kemudian dibahas dan dievaluasi begins with the proposal of candidates by the Controlling
secara mendalam oleh Komite Remunerasi dan Nominasi Shareholder, which is then discussed and thoroughly evaluated
untuk menilai kesesuaian kompetensi, integritas, dan by the Remuneration and Nomination Committee to assess
rekam jejak calon tersebut. Setelah melalui proses penilaian the candidates’ competence, integrity, and track record.
yang cermat, keputusan terkait pengangkatan maupun Following a careful assessment process, resolutions regarding
pemberhentian anggota Dewan Komisaris dan Direksi the appointment or dismissal of members of the Board of
ditetapkan melalui persetujuan dalam RUPS. Selain itu, Commissioners and the Board of Directors are adopted
OK BANK menerapkan kriteria khusus dalam memilih through approval at the GMS. In addition, OK BANK applies
anggota baru guna memastikan bahwa setiap individu specific criteria in selecting new members to ensure that
yang ditunjuk mampu mendukung efektivitas tata kelola each appointed individual is able to support the effectiveness
dan keberlanjutan Bank. Secara umum, prosedur nominasi of governance and the sustainability of the Bank. In general,
Dewan Komisaris dan Direksi OK BANK diuraikan sebagai berikut: the nomination procedures for the Board of Commissioners
and the Board of Directors of OK BANK are outlined as follows:
Pemegang Saham
Pengendali
Controlling Shareholders
Komite Remunerasi
dan Nominasi Dewan Komisaris RUPS
Remuneration and Board of Commissioners GMS
Nomination Committee
Sumber Lain
Other Sources
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Setelah Komite Remunerasi dan Nominasi melakukan After the Remuneration and Nomination Committee has completed
pembahasan, nama calon anggota Dewan Komisaris dan Direksi its deliberations, the names of the prospective members of the
diajukan kepada Dewan Komisaris untuk diminta persetujuan Board of Commissioners and the Board of Directors are submitted
saat diselenggarakannya RUPS. to the Board of Commissioners to obtain approval at the GMS.
OK BANK menggunakan kriteria-kriteria dalam melakukan OK BANK applies the following criteria in the nomination
proses nominasi anggota Dewan Komisaris dan Direksi process for members of the Board of Commissioners and
meliputi: [ESG G-06] [GRI 2-10] the Board of Directors: [ESG G-06] [GRI 2-10]
1. Tidak pernah memiliki kredit macet atau dinyatakan 1. Have never had non-performing loans, been declared
pailit atau ditemukan bersalah karena menyebabkan bankrupt, or been found guilty of causing the bankruptcy of
kebangkrutan di suatu perusahaan berdasarkan keputusan a company based on a court decision within 5 (five) years
pengadilan dalam waktu 5 (lima) tahun sebelum pencalonan; prior to the nomination;
2. Terbukti memiliki rekam jejak yang baik selama kariernya 2. Proven to have a good track record throughout their career
dan tidak pernah dikenakan sanksi apa pun selama bekerja; and have never been subject to any sanctions during
their employment;
3. Riwayat pendidikan formal dan non-formal; 3. Educational background, both formal and non-formal;
4. Pengalaman kerja; serta 4. Work experience; and
5. Prestasi yang pernah diperoleh selama bekerja. 5. Achievements obtained during their career.
Kebijakan Remunerasi Dewan Komisaris Remuneration Policy for the Board of
dan Direksi [GRI 2-19, 2-20, 2-21] Commissioners and the Board of Directors
[GRI 2-19, 2-20, 2-21]
Kebijakan remunerasi bagi Dewan Komisaris dan Direksi The remuneration policy for the Board of Commissioners
disusun dengan mengedepankan prinsip tata kelola yang baik, and the Board of Directors is formulated by upholding
sehingga seluruh pengaturannya mengacu pada ketentuan the principles of good corporate governance, such that all
resmi yang berlaku di industri perbankan. Landasan utama arrangements refer to the official regulations applicable in
kebijakan tersebut adalah POJK Nomor 45/POJK.03/2015 the banking industry. The main legal basis for this policy is
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi POJK Number 45/POJK.03/2015 on the Implementation of
Bagi Bank Umum dan SEOJK Nomor 40/SEOJK.03/2016 Governance in Providing Remuneration for Commercial Banks
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi and SEOJK Number 40/SEOJK.03/2016 on the Implementation
Bank Umum. Dengan berpegang pada kedua regulasi of Governance in Providing Remuneration for Commercial Banks.
tersebut, OK BANK memastikan bahwa struktur remunerasi By adhering to these two regulations, OK BANK ensures that its
bersifat transparan, berkeadilan, dan selaras dengan tujuan remuneration structure is transparent, fair, and aligned with
keberlanjutan serta integritas pengelolaan Bank. the objectives of sustainability and integrity in bank management.
Berdasarkan ketentuan tersebut, OK BANK memberikan paket Based on these provisions, OK BANK provides remuneration
remunerasi terhadap Dewan Komisaris dan Direksi yang terdiri packages to the Board of Commissioners and the Board of
dari: Directors, consisting of:
1. Remunerasi yang bersifat tetap, yaitu remunerasi yang tidak 1. Fixed remuneration, which is remuneration not linked to
dikaitkan dengan kinerja dan risiko, antara lain honorarium performance and risk, including honorarium and holiday
dan tunjangan hari raya; serta allowances; and
2. Remunerasi yang bersifat variabel, yaitu remunerasi yang 2. Variable remuneration, which is remuneration linked to
dikaitkan dengan kinerja dan risiko, antara lain jasa produksi performance and risk, including production service fees or
atau bentuk lainnya yang dipersamakan dengan itu. other forms equivalent thereto.
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Kebijakan remunerasi bagi Dewan Komisaris dan Direksi The remuneration policy for the Board of Commissioners and
ditetapkan melalui proses yang terstruktur, dimulai dari the Board of Directors is established through a structured
penyusunan rekomendasi oleh Komite Remunerasi dan process, beginning with the formulation of recommendations
Nominasi yang menilai kebutuhan, kelayakan, dan kesesuaian by the Remuneration and Nomination Committee, which
dengan kinerja dan kondisi OK BANK. Rekomendasi tersebut assesses the needs, appropriateness, and alignment with
kemudian diajukan dalam RUPS untuk memperoleh persetujuan, OK BANK’s performance and condition. These recommendations
sehingga kebijakan remunerasi yang diterapkan tidak hanya are then submitted to the GMS for approval, ensuring that
mencerminkan prinsip kehati-hatian dan tata kelola yang baik, the implemented remuneration policy not only reflects
tetapi juga memiliki legitimasi dari para Pemegang Saham. the principles of prudence and good corporate governance, but
Adapun besaran remunerasi yang diterima Dewan Komisaris dan also carries legitimacy from the Shareholders. The remuneration
Direksi OK BANK untuk tahun 2025 diuraikan sebagai berikut: amount received by the Board of Commissioners and the Board
of Directors of OK BANK for the year 2025 is outlined as follows:
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Jenis Penghasilan/Fasilitas
No.
Type of Income/Facilities
Orang Orang
Rp Rp
Person Person
Gaji, Bonus, Tunjangan Rutin, Tantiem, dan Fasilitas
Lainnya dalam Bentuk Non-Natura
1. 2 1.428.000.000 5 12.315.955.942
Salaries, Bonuses, Regular Allowances, Tantiem, and
Other Facilities in the form of Non-Natura
Fasilitas Lain dalam Bentuk Natura yang:
• Dapat Dimiliki
• Tidak Dapat Dimiliki
2. 2 52.171.884 5 1.502.893.975
Other Facilities in the Form of Natura that:
• Ownable
• Non-Ownable
Jumlah
2 1.480.171.884 5 13.818.849.917
Total
Jumlah Dewan Komisaris
Jumlah Remunerasi Jumlah Direksi Total Remuneration
Total Board of
dalam Setahun Total Board of Directors in a Year
Commissioners
Di atas Rp2 miliar - 3 Above Rp2 billion
Di antara Rp1 sampai Rp2 miliar - 1 Between Rp1 and Rp2 billion
Di antara Rp500 juta-di bawah Between Rp500 million-under
2 1
Rp1 miliar Rp1 billion
Di bawah Rp500 juta - - Below Rp500 million
Rasio
Uraian Ratio Description
(%)
Rasio Gaji Karyawan yang Tertinggi dan Terendah 1.820 Highest and Lowest Employee Salary Ratio
Rasio Gaji Direksi yang Tertinggi dan Terendah 156 Highest and Lowest Board of Director Salary Ratio
Rasio Gaji Komisaris yang Tertinggi dan Terendah - Highest and Lowest Board of Commissioner Salary Ratio
Rasio Gaji Tertinggi Direksi dan Karyawan 3.826 Highest Board of Director and Employee Salary Ratio
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Kebijakan dan Keberagaman Dewan Komisaris Policies and Diversity of the Board of
dan Direksi Commissioners and the Board of Directors
Kebijakan mengenai struktur dan komposisi Dewan The policy on structure and composition of the Board of
Komisaris serta Direksi disusun untuk memastikan efektivitas Commissioners and the Board of Directors is designed
kepemimpinan OK BANK dan keselarasan dengan prinsip tata to ensure the effectiveness of OK BANK’s leadership and
kelola perusahaan yang baik. Dalam proses penetapan anggota, alignment with the principles of good corporate governance.
OK BANK mempertimbangkan aspek integritas, kompetensi, In the appointment process, OK BANK considers aspects of
pengalaman, dan rekam jejak profesional guna memastikan integrity, competence, experience, and professional track
setiap individu mampu memberikan kontribusi optimal, baik record to ensure that each individual is able to make an optimal
dalam menjalankan fungsi pengawasan maupun pengelolaan contribution, both in carrying out supervisory functions and in
strategi bisnis. Kerangka kebijakan ini mendukung terciptanya managing business strategy. This policy framework supports
proses pengambilan keputusan yang objektif, akuntabel, dan the creation of an objective, accountable, and responsible
bertanggung jawab melalui pembagian peran yang jelas antara decision-making process through a clear division of roles
fungsi pengawasan dan fungsi pengurusan. between the supervisory and management functions.
Keberagaman juga menjadi elemen penting dalam memperkuat Diversity is also an important element in strengthening
kualitas kepemimpinan OK BANK. Perbedaan latar belakang the quality of OK BANK’s leadership. Differences in
pendidikan, keahlian, pengalaman industri, serta perspektif educational background, expertise, industry experience,
yang beragam mendorong terjadinya diskusi yang lebih and diverse perspectives encourage more comprehensive
komprehensif dan meningkatkan ketajaman analisis dalam discussions and enhance the sharpness of analysis in
pembahasan strategis. Komposisi yang inklusif tersebut strategic deliberations. Such an inclusive composition enables
memungkinkan Dewan Komisaris dan Direksi merespons the Board of Commissioners and the Board of Directors to
dinamika industri secara lebih adaptif, sekaligus memastikan respond more adaptively to industry dynamics, while ensuring
bahwa kebijakan dan keputusan yang diambil tetap relevan that the policies and decisions taken remain relevant and
dan berorientasi pada keberlanjutan usaha OK BANK. oriented toward the sustainability of OK BANK’s business.
Informasi mengenai keberagaman anggota Dewan Komisaris dan More detailed information regarding the diversity of members
Direksi OK BANK secara lebih lengkap diuraikan sebagai berikut: of the Board of Commissioners and the Board of Directors of
OK BANK is outlined as follows:
Jenis
Nama Jabatan Pendidikan Pengalaman Kerja Keahlian
Kelamin
Name Position Education Work Experience Expertise
Gender
Sang Ton Komisaris Utama Laki-Laki Sarjana Business Memiliki pengalaman kerja terutama di Financial Industry
Sim Administration bidang Financial Industry.
President Male Bachelor of Business Possessing work experience, particularly Financial Industry
Commissioner Administration in the Financial Industry.
Sondang Komisaris Perempuan • Sarjana Ekonomi Memiliki pengalaman kerja terutama di Pengawasan
Martha Independen • Master of Management bidang pengawasan Industri Keuangan Industri Keuangan
Samosir dan Perbankan (OJK). dan Perbankan
Independent Female • Bachelor of Economics Possessing work experience, particularly Supervision of
Commissioner • Master of Management in the supervision of the Financial and the Financial and
Banking Industry (OJK). Banking Industry
Chairudin Komisaris Laki-Laki Sarjana Akuntansi Memiliki pengalaman kerja terutama di Pengawasan Industri
Independen bidang pengawasan Industri Keuangan Perbankan
dan Perbankan (BI).
Independent Male Bachelor of Accounting Possessing work experience, particularly Supervision of
Commissioner in the supervision of the Financial and the Banking Industry
Banking Industry (BI).
Kang Bong Direktur Utama Laki-Laki Bachelor of Public Memiliki pengalaman kerja terutama di Perbankan
Joo1) Administration bidang perbankan.
President Director Male Bachelor of Public Having work experience, particularly in Banking
Administration the banking sector.
Hendra Lie Wakil Direktur Laki-Laki • Sarjana Ekonomi Memiliki pengalaman kerja terutama di Perbankan
Utama • Magister Hukum bidang Perbankan.
Vice President Male • Bachelor of Economics Possessing work experience, particularly Banking
Director • Master of Law in Banking.
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Jenis
Nama Jabatan Pendidikan Pengalaman Kerja Keahlian
Kelamin
Name Position Education Work Experience Expertise
Gender
Vincentia Direktur Bisnis Perempuan • Sarjana Ekonomi Memiliki pengalaman kerja terutama Sales Perbankan
M. Djuniwati • Magister of Finance di bidang Sales Perbankan, Product, Commercial
Wijaya Banking Commercial, dan Wholesale Banking, Wholesale
Banking. Banking
Director of Female • Bachelor of Economics Possessing work experience, particularly Banking Product Sales,
Business • Master of Finance in banking Sales, Banking Commercial, Commercial Banking,
and Wholesale Banking. Wholesale Banking
Efdinal Direktur Laki-Laki • Sarjana Hukum Memiliki pengalaman kerja di perbankan Compliance, Legal, Risk
Alamsyah Kepatuhan • Magister Manajemen terutama di bidang Compliance, Management, Corporate
• Magister Hukum Risk Management, HR, GA, Corporate Loan, Secretary
Legal, dan Corporate Secretary.
Director of Male • Bachelor of Law Possessing work experience in banking, Compliance, Legal, Risk
Compliance • Master of Management particularly in Compliance, Management, Corporate
• Master of Law Risk Management, HR, GA, Corporate Secretary
Loan, Legal, and Corporate Secretary.
Jong Ha Direktur Kredit Laki-Laki Sarjana Ekonomi Memiliki pengalaman kerja terutama di Perbankan
Lee2) bidang Perbankan.
Director of Credit Male Bachelor of Economics Possessing work experience, particularly Banking
in Banking.
Park Young Direktur Utama Laki-Laki • Bachelor of Business Memiliki pengalaman kerja terutama di Perbankan
Man3) Administration bidang Perbankan.
• Executive Master
of Business
Administration
President Director Male • Bachelor of Business Possessing work experience, particularly Banking
Administration in Banking.
• Executive Master
of Business
Administration
1) Diangkat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan efektif menjabat sejak
tanggal 9 Juli 2025. / Appointed as President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025, and effective since July 9, 2025.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak
tanggal 26 Juni 2025. / Appointed as Director of Credit of OK BANK based on the resolution of the EGMS held on November 20, 2024, and effective since June 26, 2025.
3) Efektif berhenti menjabat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025. / Effectively resigned as
President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025.
Pengungkapan Hubungan Afiliasi Dewan Komisaris dengan Direksi dan dengan Pemegang
Saham
Disclosure of Affiliations of the Board of Commissioners with Directors and with Shareholders
Hubungan Keuangan dengan Hubungan Keluarga dengan
Financial Relationship with Family Relationship with
Pemegang Pemegang Hubungan
Nama Jabatan Saham Dewan Saham Management
Name Position Dewan Relationship
Direksi Utama & Komisaris Direksi Utama &
Komisaris
Board of Pengendali Board of Board of Pengendali
Board of
Directors Major & Commissioners Directors Major &
Commissioners
Controlling Controlling
Shareholders Shareholders
Dewan Komisaris
Board of Commissioners
Komisaris
Sang Ton Utama
Sim President
Commissioner
Komisaris
Sondang Independen
Martha
Samosir Independent
Commissioner
Komisaris
Independen
Chairudin
Independent
Commissioner
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Hubungan Keuangan dengan Hubungan Keluarga dengan
Financial Relationship with Family Relationship with
Pemegang Pemegang Hubungan
Nama Jabatan Saham Dewan Saham Management
Name Position Dewan Relationship
Direksi Utama & Komisaris Direksi Utama &
Komisaris
Board of Pengendali Board of Board of Pengendali
Board of
Directors Major & Commissioners Directors Major &
Commissioners
Controlling Controlling
Shareholders Shareholders
Direksi
Board of Directors
Direktur Utama
Kang Bong
Joo1) President
Director
Wakil Direktur
Utama
Hendra Lie
Vice President
Director
Vincentia M. Direktur Bisnis
Djuniwati Director of
Wijaya Business
Direktur
Efdinal Kepatuhan
Alamsyah Director of
Compliance
Direktur Kredit
Jong Ha
Lee2) Director of
Credit
1) Diangkat sebagai Direktur Utama OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 19 Februari 2025 dan efektif menjabat sejak
tanggal 9 Juli 2025. / Appointed as President Director of OK BANK based on the resolution of the EGMS held on February 19, 2025, and effective since July 9, 2025.
2) Diangkat sebagai Direktur Kredit OK BANK berdasarkan keputusan RUPSLB yang diselenggarakan pada tanggal 20 November 2024 dan efektif menjabat sejak
tanggal 26 Juni 2025. / Appointed as Director of Credit of OK BANK based on the resolution of the EGMS held on November 20, 2024, and effective since June 26, 2025.
Keberagaman Manajemen dan Independensi [ESG G-01]
Management Diversity and Independence
Pria Wanita Jumlah Pihak Independen
Uraian Description
Male Female Total Independent Party
Dewan Komisaris 2 1 3 Board of Commissioners
Direksi 4 1 5 Board of Directors
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Kebijakan Pengunduran Diri Dewan Komisaris
dan Direksi
Resignation Policy of the Board of Commissioners and
the Board of Directors
OK BANK memiliki kebijakan yang mengatur pengunduran diri OK BANK has a policy governing the resignation of members
anggota Dewan Komisaris dan Direksi sebagai bagian dari of the Board of Commissioners and the Board of Directors as
penerapan tata kelola perusahaan yang baik. Kebijakan ini part of the implementation of good corporate governance. This
disusun untuk memastikan bahwa setiap proses pengunduran diri policy is designed to ensure that every resignation process
dilakukan secara tertib, transparan, dan sesuai dengan ketentuan is conducted in an orderly and transparent manner and in
peraturan perundang-undangan yang berlaku. Pengunduran diri compliance with applicable laws and regulations. Resignations
dapat diajukan atas inisiatif pribadi yang bersangkutan dengan may be submitted at the personal initiative of the respective
memperhatikan kepentingan Bank, kesinambungan pengelolaan, individual, while considering the interests of the Bank,
dan perlindungan terhadap pemangku kepentingan. continuity of management, and protection of stakeholders.
Dalam pelaksanaannya, kebijakan tersebut mengatur In its implementation, the policy regulates the mechanism
mekanisme penyampaian pengunduran diri secara tertulis, for submitting resignations in writing, the approval process
proses persetujuan oleh organ Bank yang berwenang, dan by the authorized organs of the Bank, and the obligation to
kewajiban pemenuhan ketentuan administratif serta kepatuhan. fulfill administrative and compliance requirements. OK BANK
OK BANK memastikan bahwa setiap pengunduran diri tidak ensures that any resignation does not disrupt the Bank’s
mengganggu stabilitas operasional dan manajemen Bank, operational and management stability and is accompanied
serta diikuti dengan langkah-langkah pengelolaan transisi by adequate transition management measures. Accordingly,
yang memadai. Dengan demikian, kebijakan ini mendukung this policy supports leadership continuity and maintains
kesinambungan kepemimpinan dan menjaga kepercayaan stakeholder confidence in the Bank.
pemangku kepentingan terhadap Bank.
Rangkap Jabatan Dewan Komisaris dan Direksi
Concurrent Positions of the Board of Commissioners and
the Board of Directors
OK BANK memiliki kebijakan yang mengatur rangkap jabatan OK BANK has a policy governing concurrent positions held
bagi anggota Dewan Komisaris dan Direksi untuk memastikan by members of the Board of Commissioners and the Board
bahwa pelaksanaan tugas dan tanggung jawab Dewan of Directors to ensure that the performance of their duties
Komisaris dan Direksi dapat dilakukan secara independen, and responsibilities can be carried out independently,
profesional, dan bebas dari benturan kepentingan. Dengan professionally, and free from conflicts of interest. Through
adanya pengaturan yang jelas, OK BANK berupaya menjaga agar clear regulations, OK BANK seeks to ensure that concurrent
rangkap jabatan, apabila diperkenankan, tetap berada dalam positions, where permitted, remain within the limits set by
batasan yang sesuai dengan ketentuan dan tidak mengurangi applicable regulations and do not diminish the effectiveness of
efektivitas pengawasan maupun pengelolaan Bank. oversight or management of the Bank.
Melalui kebijakan tersebut, OK BANK menetapkan persyaratan, Through this policy, OK BANK establishes requirements,
batasan, dan mekanisme pengungkapan terkait rangkap boundaries, and disclosure mechanisms related to concurrent
jabatan yang dimiliki oleh Dewan Komisaris dan Direksi. positions held by members of the Board of Commissioners
Setiap rangkap jabatan wajib dilaporkan dan dievaluasi untuk and the Board of Directors. Any concurrent positions must
memastikan kepatuhan terhadap peraturan yang berlaku be reported and evaluated to ensure compliance with
serta kepentingan Bank. Dengan demikian, kebijakan rangkap prevailing regulations and the interests of the Bank. Thus,
jabatan ini mendukung terciptanya tata kelola yang sehat, this policy supports the creation of sound, accountable, and
akuntabel, dan berorientasi pada keberlanjutan kinerja Bank. sustainability-oriented governance of the Bank’s performance.
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Komite di Bawah Dewan Komisaris
Committees Under the Board of Commissioners
Komite di bawah Dewan Komisaris dibentuk untuk memperkuat Committees under the Board of Commissioners are established
efektivitas fungsi pengawasan dan memastikan pelaksanaan to strengthen the effectiveness of supervisory function and
tata kelola perusahaan yang lebih terarah dan transparan. Setiap ensure more focused and transparent corporate governance.
komite menjalankan peran khusus dalam membantu Dewan Each committee performs a specific role in assisting the Board
Komisaris menelaah berbagai aspek strategis, operasional, of Commissioners in reviewing various strategic, operational, and
maupun kepatuhan regulasi. Komite-komite tersebut terdiri dari: regulatory compliance aspects. These committees consist of:
1. Komite Audit; 1. Audit Committee;
2. Komite Pemantau Risiko; serta 2. Risk Monitoring Committee; and
3. Komite Remunerasi dan Nominasi. 3. Remuneration and Nomination Committee.
Komite Audit Audit Committee
Komite Audit merupakan organ pendukung Dewan Komisaris The Audit Committee is a supporting organ of the Board of
yang berperan penting dalam meningkatkan efektivitas fungsi Commissioners that plays an important role in enhancing
pengawasan terhadap pengelolaan OK BANK. Komite Audit the effectiveness of supervisory function over the management
menjalankan tugasnya melalui penelaahan atas Laporan of OK BANK. The Audit Committee performs its duties through
Keuangan, proses audit, serta kecukupan sistem pengendalian reviews of the Financial Statements, audit process, and adequacy
internal guna memastikan bahwa seluruh aktivitas OK BANK of internal control system to ensure that all OK BANK’s activities
dilaksanakan sesuai dengan ketentuan peraturan perundang- are carried out in compliance with applicable laws and regulations
undangan dan prinsip tata kelola perusahaan yang baik. as well as the principles of good corporate governance. In
Dalam pelaksanaannya, Komite Audit menilai kepatuhan OK carrying out its responsibilities, the Audit Committee assesses
BANK terhadap standar akuntansi dan regulasi yang berlaku, OK BANK’s compliance with applicable accounting standards
serta memastikan kualitas dan keandalan informasi keuangan and regulations and ensures the quality and reliability of
yang disampaikan oleh manajemen. Melalui pemantauan financial information presented by management. Through
yang konsisten dan objektif, Komite Audit berkontribusi consistent and objective monitoring, the Audit Committee
dalam memperkuat integritas proses pelaporan keuangan, contributes to strengthening the integrity of financial reporting
meningkatkan transparansi, serta mendukung terwujudnya process, enhancing transparency, and supporting the realization
tata kelola perusahaan yang akuntabel dan berkelanjutan. of accountable and sustainable corporate governance.
Sepanjang tahun 2025, Komite Audit terus memperkuat perannya sebagai pengawas
independen yang memastikan efektivitas tata kelola perusahaan yang dijalankan OK BANK.
Dalam menjalankan fungsi pengawasan tersebut, Komite Audit telah melaksanakan beberapa
kali rapat yang difokuskan pada peninjauan Laporan Keuangan, pemantauan kepatuhan
terhadap regulasi, dan evaluasi atas efektivitas sistem pengendalian internal serta manajemen
risiko. Melalui diskusi intensif dan koordinasi yang berkesinambungan dengan manajemen,
auditor internal, dan auditor eksternal, Komite Audit berupaya memastikan bahwa proses
bisnis OK BANK berjalan secara transparan, akuntabel, dan sesuai prinsip tata kelola yang baik.
Throughout 2025, the Audit Committee continued to strengthen its role as an independent
supervisor, ensuring the effectiveness of corporate governance implemented by OK BANK.
In carrying out this supervisory function, the Audit Committee held several meetings focused
on reviewing the Financial Statements, monitoring regulatory compliance, and evaluating
the effectiveness of internal control systems and risk management. Through intensive
discussions and ongoing coordination with management, internal auditors, and external auditors,
the Audit Committee strives to ensure that OK BANK’s business processes are conducted
transparently, accountably, and in accordance with the principles of good corporate governance.
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Dasar Hukum Legal Basis
Dalam melaksanakan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Audit
Audit mengacu pada berbagai peraturan perundang-undangan Committee refers to various applicable laws and regulations,
yang berlaku, antara lain: including:
1. POJK Nomor 17 Tahun 2023 tentang Penerapan 1. POJK Number 17 of 2023 on the Implementation of
Tata Kelola Bagi Bank Umum; serta Governance for Commercial Banks; and
2. POJK Nomor 55/POJK.04/2015 tentang Pembentukan dan 2. POJK Number 55/POJK.04/2015 on the Establishment
Pedoman Pelaksanaan Kerja Komite Audit. and Guidelines for the Implementation of the Audit
Committee’s Work.
Piagam Komite Audit Audit Committee Charter
Komite Audit dalam menjalankan tugasnya senantiasa The Audit Committee, in carrying out its duties, always refers
berpedoman pada Piagam Komite Audit. Piagam tersebut to the Audit Committee Charter. The Charter clearly defines
mengatur secara jelas tugas, tanggung jawab, dan wewenang the duties, responsibilities, and authority of the Audit
Komite Audit, termasuk ketentuan lain yang relevan dalam Committee, including other relevant provisions that support its
mendukung peran dan operasionalnya. role and operations.
Periode Jabatan Anggota Komite Audit Term of Office of Audit Committee Members
Periode jabatan anggota Komite Audit ditetapkan secara jelas, The term of office for Audit Committee members is clearly
di mana masa tugasnya tidak lebih lama dari masa jabatan defined, where the term does not exceed the term of office of
Dewan Komisaris dan hanya dapat dipilih kembali untuk 1 (satu) the Board of Commissioners and members may only be
periode berikutnya. Dalam hal ini, periode jabatan Komite Audit re-elected for 1 (one) subsequent term. In this regard, the term
OK BANK telah memenuhi seluruh ketentuan yang diatur dalam of office of OK BANK’s Audit Committee fully complies with all
POJK Nomor 33/POJK.04/2014. provisions stipulated in POJK Number 33/POJK.04/2014.
Komposisi Anggota Komite Audit Composition of Audit Committee Members
Komite Audit OK BANK terdiri dari 4 (empat) orang anggota OK BANK’s Audit Committee consists of 4 (four) members,
yang terdiri dari pihak independen yang memiliki beragam comprising independent parties with diverse relevant expertise
keahlian dan kompetensi yang relevan. Susunan ini terdiri atas and competencies. This composition consists of 2 (two)
2 (dua) orang Komisaris Independen dan 2 (dua) orang Pihak Independent Commissioners and 2 (two) Independent Parties
Independen yang memiliki kompetensi profesional di bidang who possess professional competence in accounting and
akuntansi dan perbankan. Ketua Komite Audit dijabat oleh banking. The Chairperson of the Audit Committee is held by
Komisaris Independen, sehingga memastikan kepemimpinan an Independent Commissioner, ensuring objective leadership.
yang objektif. Selain itu, seluruh anggota Komite Audit dipastikan In addition, all members of the Audit Committee are confirmed
tidak memiliki hubungan keuangan maupun kepengurusan, to have no financial or managerial relationships, no share
tidak memiliki kepemilikan saham, dan tidak memiliki hubungan ownership, and no family ties with the Board of Commissioners,
keluarga dengan Dewan Komisaris, Direksi, ataupun Pemegang the Board of Directors, or the Controlling Shareholder. They also
Saham Pengendali. Mereka juga tidak memiliki hubungan have no other relationships in any form that could potentially
lain dalam bentuk apa pun yang berpotensi memengaruhi affect their independence in carrying out their duties and
independensi dalam menjalankan tugas dan tanggung responsibilities. Information on the composition of the Audit
jawabnya. Informasi mengenai komposisi Komite Audit Committee as of December 31, 2025, is outlined as follows:
per 31 Desember 2025 diuraikan sebagai berikut:
Nama Jabatan Pengangkatan Jabatan di Bank
Name Position Appointment Position at the Bank
Ketua Komite Audit Komisaris Independen
Chairudin
Chairperson of the Audit Committee Independent Commissioner
380/KEP/DIR/BOI/VIII/2025
Sondang Martha Anggota Komite Audit Komisaris Independen
Samosir Member of the Audit Committee Independent Commissioner
Anggota Komite Audit Pihak Independen
Joyo
Member of the Audit Committee Independent Party
380/KEP/DIR/BOI/VIII/2025
Iwan Yuda Anggota Komite Audit Pihak Independen
Pramudhi1) Member of the Audit Committee Independent Party
Anggota Komite Audit Pihak Independen
Heru Subroto2) 565/KEP/DIR/BOI/XII/2024
Member of the Audit Committee Independent Party
1) Efektif menjabat sebagai Anggota Komite Audit sejak 6 Agustus 2025. / Effectively serving as a Member of the Audit Committee since August 6, 2025.
2) Efektif tidak lagi menjabat sebagai Anggota Komite Audit sejak 31 Juli 2025. / No longer serving as a Member of the Audit Committee effective July 31, 2025.
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PROFIL KOMITE AUDIT
Audit Committee Profile
Chairudin
Ketua Komite Audit
Chairperson of the Audit Committee
Profil Chairudin dapat dilihat pada bagian Profil Dewan Komisaris
dalam Laporan Tahunan ini.
The profile of Chairudin can be seen in the Board of Commissioner
Profile section of this Annual Report.
Sondang Martha Samosir
Anggota Komite Audit
Member of the Audit Committee
Profil Sondang Martha Samosir dapat dilihat pada bagian Profil
Dewan Komisaris dalam Laporan Tahunan ini.
The profile of Sondang Martha Samosir can be seen in the Board
of Commissioner Profile section of this Annual Report.
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TATA KELOLA PERUSAHAAN
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Joyo
Anggota Komite Audit
Member of the Audit Committee
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
62 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat sebagai Anggota Komite Audit berdasarkan Keputusan Appointed as a Member of the Audit Committee based on the Board
Direksi Nomor 380/KEP/DIR/BOI/VIII/2025 tentang Perubahan Ketua of Directors’ Decision Number 380/KEP/DIR/BOI/VIII/2025 on
dan Anggota Komite. Changes to the Chairperson and Members of the Committee.
Riwayat Pendidikan Educational Background
Sarjana Ekonomi dari Universitas Negeri Jember (1990). Bachelor of Economics from Universitas Negeri Jember (1990).
Riwayat Jabatan Professional Background
• Direktur Operasional PT Bank Oke Indonesia, Tbk. (2007-2023); • Director of Operations of PT Bank Oke Indonesia, Tbk.
(2007-2023);
• Direktur Kepatuhan PT Bank Dinar Indonesia, Tbk. (2002-2007); • Director of Compliance of PT Bank Dinar Indonesia, Tbk.
(2002-2007);
• Kepala Satuan Kerja Audit Internal (SKAI) PT Bank Dinar Indonesia, • Head of Internal Audit Unit (SKAI) of PT Bank Dinar Indonesia, Tbk.
Tbk. (2000-2002); serta (2000-2002); and
• Satuan Kerja Audit Internal (SKAI) PT Bank Prasidha Utama • Internal Audit Unit (SKAI) of PT Bank Prasidha Utama
(1996-2000). (1996-2000).
Rangkap Jabatan Concurrent Position
Anggota Komite Pemantau Risiko PT Bank Oke Indonesia, Tbk. Member of the Risk Monitoring Committee of PT Bank Oke Indonesia, Tbk.
(sejak 2023). (since 2023).
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Level 5 IRPA; serta • Risk Management Certification Level 5 IRPA; and
• Pelatihan Akuntansi. • Accounting Training.
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with Members of the Board of Commissioners,
Anggota Direksi, dan Pemegang Saham Utama, baik langsung Members of the Board of Directors, or Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly up to the individual owners.
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Iwan Yuda Pramudhi
Anggota Komite Audit
Member of the Audit Committee
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
61 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat sebagai Anggota Komite Audit berdasarkan Keputusan Appointed as a Member of the Audit Committee based on the Board
Direksi Nomor 380/KEP/DIR/BOI/VIII/2025 tentang Perubahan Ketua of Directors’ Decision Number 380/KEP/DIR/BOI/VIII/2025 on the
dan Anggota Komite. Changes to the Chairperson and Members of the Committee.
Riwayat Pendidikan Educational Background
Sarjana di bidang Akuntansi dari Universitas Persada Indonesia “YAI”, Bachelor’s degree in Accounting from Universitas Persada Indonesia
Jakarta. “YAI”, Jakarta.
Riwayat Jabatan Professional Background
• Direktur Kepatuhan PT Bank Multiarta Sentosa (Bank MAS) • Director of Compliance of PT Bank Multiarta Sentosa (Bank MAS)
(2012-2024); (2012-2024);
• Direktur Kepatuhan PT Bank Swadesi, Tbk. (2009-2011); • Director of Compliance of PT Bank Swadesi, Tbk. (2009-2011);
• Kepala SKMR PT Bank Swadesi, Tbk. (2005-2009); serta • Head of Risk Management Unit (SKMR) of PT Bank Swadesi, Tbk.
(2005-2009); and
• Corporate Secretary Administration (2004-2005). • Corporate Secretary Administration (2004-2005).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun He does not hold any concurrent positions, either internally or
eksternal OK BANK. externally at OK BANK.
Sertifikasi Certification
Sertifikasi Manajemen Risiko Level 7. Risk Management Certification Level 7.
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with Members of the Board of Commissioners,
Anggota Direksi, dan Pemegang Saham Utama, baik langsung maupun Members of the Board of Directors, or Major Shareholders, either
tidak langsung sampai kepada pemilik individu. directly or indirectly up to the individual owners.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
Komite Audit memiliki tugas dan tanggung jawab untuk The Audit Committee has the duties and responsibilities to
membantu Dewan Komisaris sebagaimana diuraikan berikut: assist the Board of Commissioners, as outlined below:
1. Melakukan pemantauan dan evaluasi atas perencanaan 1. Monitoring and evaluating the planning and implementation
dan pelaksanaan audit serta pemantauan tindak lanjut of audits as well as monitoring the follow-up of audit
hasil audit dalam rangka menilai kecukupan pengendalian results in order to assess the adequacy of internal control
intern dan proses pelaporan keuangan; and the financial reporting process;
2. Melakukan review terhadap: 2. Conducting reviews of:
a. Pelaksanaan tugas SKAI; a. The implementation of duties by the SKAI;
b. Kesesuaian pelaksanaan audit oleh KAP dengan b. The compliance of audits conducted by the KAP with
standar audit yang berlaku; applicable auditing standards;
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TATA KELOLA PERUSAHAAN
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c. Kesesuaian Laporan Keuangan dengan standar c. The compliance of Financial Statements with applicable
akuntansi yang berlaku; dan accounting standards; and
d. Pelaksanaan tindak lanjut oleh Direksi atas hasil d. The follow-up actions taken by the Board of Directors
temuan SKAI, AP dan hasil OJK dan Bank Indonesia. on findings from the SKAI, AP, and the results of the OJK
and Bank Indonesia examinations.
3. Memberikan rekomendasi penunjukan AP dan KAP sesuai 3. Providing recommendations for the appointment of
ketentuan yang berlaku kepada RUPS melalui Dewan the AP and KAP in accordance with applicable regulations
Komisaris. to the GMS through the Board of Commissioners.
Independensi Komite Audit Independence of the Audit Committee
Independensi Komite Audit tercermin melalui kewajiban The Audit Committee’s independence is reflected in
setiap anggotanya untuk menyampaikan pernyataan the obligation of each member to submit an updated
independensi yang diperbarui setiap tahun sesuai ketentuan independence statement annually, in accordance with
POJK Nomor 55/POJK.04/2015 tentang Pembentukan dan POJK Number 55/POJK.04/2015 on the Establishment and
Pedoman Pelaksanaan Kerja Komite Audit. Mekanisme ini Guidelines for the Implementation of Audit Committee’s Work.
memastikan bahwa setiap anggota tetap bebas dari benturan This mechanism ensures that each member remains free
kepentingan, menjaga objektivitas dalam menjalankan fungsi from conflict of interest, maintains objectivity in performing
pengawasan, dan memperkuat integritas proses pengendalian supervisory function, and strengthens the integrity of internal
internal serta tata kelola perusahaan. Dengan pembaruan yang control process and corporate governance. With periodic
dilakukan secara berkala, OK BANK dapat memastikan bahwa updates, OK BANK can ensure that the Audit Committee
Komite Audit beroperasi secara profesional dan transparan operates professionally and transparently in supporting
dalam mendukung efektivitas pengawasan Dewan Komisaris. the effectiveness of the Board of Commissioners’ oversight.
Informasi mengenai pemenuhan aspek independensi anggota Information on the fulfillment of independence aspects of
Komite Audit OK BANK diuraikan sebagai berikut: OK BANK’s Audit Committee members is outlined as follows:
Sondang
Aspek Independensi Iwan Yuda
Chairudin Martha Joyo
Independence Aspect Pramudhi
Samosir
Tidak memiliki memiliki hubungan afiliasi dengan Pemegang Saham,
Dewan Komisaris, serta Direksi.
Has no affiliation with the Shareholders, the Board of Commissioners, and
the Board of Directors.
Tidak memiliki hubungan usaha secara langsung dan tidak langsung
dengan OK BANK.
Has no direct or indirect business relationship with OK BANK.
Tidak memiliki hubungan kepengurusan dengan OK BANK.
Has no managerial relationship with OK BANK.
Tidak memiliki saham langsung maupun tidak langsung di OK BANK.
Holds no direct or indirect shares in OK BANK.
Rapat Komite Audit Audit Committee Meeting
Rapat Komite Audit diselenggarakan sedikitnya 1 (satu) kali The Audit Committee holds meetings at least once per month.
dalam 1 (satu) bulan. Dalam pelaksanaannya, Komite Audit In carrying out its duties, the Audit Committee may invite
dapat mengundang Dewan Komisaris, Direksi, atau auditor the Board of Commissioners, the Board of Directors, or
eksternal OK BANK apabila diperlukan untuk memberikan OK BANK’s external auditors if necessary to provide
klarifikasi, penjelasan tambahan, atau masukan profesional clarification, additional explanations, or professional input on
terkait isu yang sedang dibahas. the issues under discussion.
Komite Audit telah menyelenggarakan rapat sebanyak 12 (dua The Audit Committee held 12 (twelve) meetings throughout
belas) kali sepanjang tahun 2025. Informasi mengenai tingkat 2025. Information regarding meeting attendance is detailed as
kehadiran rapat diuraikan sebagai berikut: follows:
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Nama Jabatan Jumlah Rapat Kehadiran Persentase
Name Position Total Meeting Attendance Percentage
Ketua Komite Audit
Chairudin 12 12 100,00
Chairperson of the Audit Committee
Sondang Martha Anggota Komite Audit
12 12 100,00
Samosir Member of the Audit Committee
Anggota Komite Audit
Joyo 12 12 100,00
Member of the Audit Committee
Iwan Yuda Anggota Komite Audit
5 5 100,00
Pramudhi1) Member of the Audit Committee
Anggota Komite Audit
Heru Subroto2) 7 6 85,71
Member of the Audit Committee
1) Efektif menjabat sebagai Anggota Komite Audit sejak 6 Agustus 2025. / Effectively serving as a Member of the Audit Committee since August 6, 2025.
2) Efektif tidak lagi menjabat sebagai Anggota Komite Audit sejak 31 Juli 2025. / No longer serving as a Member of the Audit Committee effective July 31, 2025.
Laporan Pelaksanaan Tugas Komite Audit Report on the Implementation of Audit
Committee’s Duties
Sepanjang tahun 2025, Komite Audit melaksanakan tugas Throughout 2025, the Audit Committee consistently carried
dan tanggung jawabnya secara konsisten dalam rangka out its duties and responsibilities to support the effectiveness
mendukung efektivitas fungsi pengawasan Dewan Komisaris. of the Board of Commissioners’ supervisory function.
Pelaksanaan tugas tersebut mencakup berbagai kegiatan yang The implementation of these duties included various activities
berorientasi pada peningkatan kualitas pengendalian internal, aimed at enhancing the quality of internal control, audit
proses audit, serta kinerja keuangan Bank. Adapun kegiatan process, and the Bank’s financial performance. The activities
yang telah dilaksanakan oleh Komite Audit selama tahun 2025 carried out by the Audit Committee during 2025 are outlined
diuraikan sebagai berikut: as follows:
1. Memberikan rekomendasi kepada Dewan Komisaris terkait 1. Providing recommendations to the Board of Commissioners
penyusunan Rencana Kerja SKAI tahun 2025; regarding the preparation of the 2025 SKAI Work Plan;
2. Memberikan rekomendasi atas Laporan Pokok-Pokok 2. Providing recommendations on the Key Findings Reports of
Hasil Audit semester I dan semester II; the Audits for the first and second semesters;
3. Memberikan rekomendasi penetapan AP dan KAP,, serta 3. Providing recommendations for the appointment of AP and
melakukan evaluasi atas kinerja AP dan KAP; KAP, as well as evaluating the performance of AP and KAP;
4. Menyusun dan menyampaikan Laporan Komite Audit 4. Preparing and submitting the Audit Committee Report as
sebagai bahan masukan bagi Dewan Komisaris; input for the Board of Commissioners;
5. Memantau pelaksanaan tindak lanjut yang dilakukan oleh 5. Monitoring the follow-up actions taken by management
manajemen atas temuan Audit Internal, Audit Eksternal, on findings from Internal Audits, External Audits, and
dan pemeriksaan Regulator; Regulatory audit;
6. Memberikan arahan dan masukan kepada SKAI atas hasil 6. Providing guidance and input to SKAI on audit results to
pemeriksaan dalam rangka meningkatkan kualitas dan improve the quality and effectiveness of the audit function;
efektivitas fungsi audit; serta and
7. Melakukan evaluasi terhadap kinerja keuangan Bank. 7. Conducting evaluations of the Bank’s financial performance.
Program Pengembangan Kompetensi Komite Audit Competency Development Program of
the Audit Committee
Program pengembangan kompetensi Komite Audit The competency development program for the Audit
dilaksanakan secara berkelanjutan melalui berbagai kegiatan Committee is carried out continuously through various
peningkatan kapasitas, seperti seminar, workshop, dan bentuk capacity-building activities, such as seminars, workshops, and
pelatihan profesional lainnya yang relevan dengan tugas other forms of professional training relevant to supervisory
pengawasan. Upaya ini bertujuan memperkuat wawasan, duties. This effort aims to strengthen the knowledge, skills,
keterampilan, dan pemahaman anggota Komite Audit and understanding of Audit Committee members regarding
terhadap dinamika regulasi dan praktik tata kelola sehingga regulatory dynamics and governance practices, enabling
mereka dapat menjalankan peran pengawasan secara lebih them to perform their oversight role more effectively and
efektif dan responsif terhadap perkembangan lingkungan responsively to changes in the business environment.
bisnis. Informasi mengenai pengembangan kompetensi Information regarding the competency development
yang diikuti oleh Chairudin dan Sondang Martha Samosir attended by Chairudin and Sondang Martha Samosir, as the
selaku Ketua Komite Audit dan Anggota Komite Audit telah Chairperson and Member of the Audit Committee, has been
diungkapkan pada bagian Pelatihan Dewan Komisaris. disclosed in the Board of Commissioners’ Training section.
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Sementara itu, Anggota Komite Audit lainnya tidak mengikuti Meanwhile, other members of the Audit Committee did not
program pengembangan kompetensi yang secara spesifik participate in a competency development program covering
membahas topik tertentu. Namun demikian, Anggota Komite specific topics. Nevertheless, Audit Committee members
Audit tetap menjaga dan meningkatkan kapasitas profesional continued to maintain and enhance their professional capacity
secara mandiri. independently.
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko merupakan organ pendukung Dewan The Risk Monitoring Committee is a supporting organ of
Komisaris yang berperan dalam mengawasi penerapan the Board of Commissioners that plays a role in overseeing
manajemen risiko agar seluruh aktivitas usaha OK BANK the implementation of risk management to ensure that all of
berada dalam tingkat risiko yang dapat diterima. Komite ini OK BANK’s business activities remain within risk tolerance
melaksanakan fungsi pengawasan melalui penelaahan atas level. The Committee performs its supervisory function by
profil risiko Bank, efektivitas langkah mitigasi, serta konsistensi reviewing the Bank’s risk profile, the effectiveness of mitigation
penerapan kebijakan dan prosedur manajemen risiko pada measures, and the consistency of risk management policies
seluruh unit kerja terkait. Melalui evaluasi yang dilakukan secara and procedures across all relevant units. Through regular
berkala dan terstruktur, Komite Pemantau Risiko memastikan and structured evaluations, the Risk Monitoring Committee
bahwa setiap keputusan strategis telah mempertimbangkan ensures that every strategic decision takes potential risks into
potensi risiko secara menyeluruh. Peran tersebut menjadi bagian full consideration. This role is an essential part of maintaining
penting dalam menjaga stabilitas operasional, mendukung operational stability, supporting the Bank’s soundness, and
kesehatan Bank, serta memperkuat penerapan prinsip strengthening the application of prudential principles in
kehati-hatian dalam pengelolaan OK BANK secara berkelanjutan. the sustainable management of OK BANK.
.
Sepanjang tahun 2025, Komite Pemantau Risiko melaksanakan serangkaian rapat yang
difokuskan pada pembahasan berbagai isu yang berkaitan dengan risiko, baik yang bersifat
strategis maupun operasional. Rapat-rapat tersebut menjadi wadah bagi Komite Pemantau
Risiko untuk meninjau kondisi risiko terkini, mengevaluasi efektivitas pengelolaan risiko,
dan memberikan masukan yang diperlukan guna memperkuat ketahanan OK BANK. Melalui
konsistensi dalam penyelenggaraan rapat, Komite Pemantau Risiko memastikan bahwa proses
pemantauan risiko berlangsung menyeluruh dan responsif terhadap dinamika yang terjadi.
Throughout 2025, the Risk Monitoring Committee held a series of meetings focused on
discussing various risk-related issues, both strategic and operational. These meetings served
as a forum for the Risk Monitoring Committee to review current risk conditions, evaluate
the effectiveness of risk management, and provide necessary input to strengthen OK BANK’s
resilience. Through consistent meeting practices, the Risk Monitoring Committee ensures
that the risk monitoring process is comprehensive and responsive to evolving dynamics.
Dasar Hukum Legal Basis
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the Risk
Komite Pemantau Risiko mengacu pada berbagai peraturan Monitoring Committee refers to various applicable laws and
perundang-undangan yang berlaku, antara lain: regulations, including:
1. POJK Nomor 17 Tahun 2023 tentang Penerapan Tata 1. POJK Number 17 of 2023 on the Implementation of
Kelola Bagi Bank Umum; Governance for Commercial Banks;
2. SEOJK Nomor 14/SEOJK.03/2025 tentang Penerapan Tata 2. SEOJK Number 14/SEOJK.03/2025 on the Implementation
Kelola Bagi Bank Umum; of Governance for Commercial Banks;
3. POJK Nomor 18/POJK.03/2016 tentang Penerapan 3. POJK Number 18/POJK.03/2016 on the Implementation of
Manajemen Risiko Bagi Bank Umum; serta Risk Management for Commercial Banks; and
4. POJK Nomor 11/POJK.03/2022 Tahun 2022 tentang 4. POJK Number 11/POJK.03/2022 of 2022 on
Penyelenggaraan Teknologi Informasi oleh Bank Umum. the Implementation of Information Technology by
Commercial Banks.
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Piagam Komite Pemantau Risiko Risk Monitoring Committee Charter
Komite Pemantau Risiko dalam menjalankan tugasnya The Risk Monitoring Committee, in carrying out its duties,
senantiasa berpedoman pada Kebijakan Komite Pemantau always refers to the Risk Monitoring Committee Policy, which
Risiko yang telah diperbarui pada tanggal 5 Juni 2024. Kebijakan was updated on June 5, 2024. This policy clearly defines
tersebut mengatur secara jelas tugas, tanggung jawab, dan the duties, responsibilities, and authority of the Risk Monitoring
wewenang Komite Pemantau Risiko, termasuk ketentuan lain Committee, including other relevant provisions that support its
yang relevan dalam mendukung peran dan operasionalnya. role and operations.
Periode Jabatan Anggota Komite Pemantau Risiko Term of Office of the Risk Monitoring Committee
Members
Periode jabatan anggota Komite Pemantau Risiko ditetapkan The term of office of Risk Monitoring Committee members
agar selaras dengan prinsip tata kelola yang baik, di mana is set in alignment with the principles of good governance,
masa tugasnya tidak lebih lama dari masa jabatan Dewan where the term does not exceed the tenure of the Board of
Komisaris dan hanya dapat dipilih kembali untuk 1 (satu) Commissioners and members may only be re-elected for
periode berikutnya. Dalam hal ini, periode jabatan Komite 1 (one) subsequent term. In this regard, the term of office of
Pemantau Risiko OK BANK telah memenuhi seluruh ketentuan OK BANK’s Risk Monitoring Committee fully complies with all
yang diatur dalam POJK Nomor 33/POJK.04/2014. provisions stipulated in POJK Number 33/POJK.04/2014.
Komposisi Anggota Komite Pemantau Risiko Composition of the Risk Monitoring Committee
Members
Komite Pemantau Risiko terdiri dari 4 (empat) orang anggota The Risk Monitoring Committee consists of 4 (four) members
yang memiliki beragam keahlian dan independensi yang with diverse relevant expertise and independence. This
relevan. Susunan ini terdiri atas 2 (dua) orang Komisaris composition consists of 2 (two) Independent Commissioners
Independen dan 2 (dua) orang Pihak Independen yang and 2 (two) Independent Parties who possess professional
memiliki kompetensi profesional di bidang perbankan. Ketua competence in banking. The Chairperson of the Risk Monitoring
Komite Pemantau Risiko dijabat oleh Komisaris Independen, Committee is held by an Independent Commissioner, ensuring
sehingga memastikan kepemimpinan yang objektif dan objective leadership in accordance with good corporate
sesuai dengan prinsip tata kelola perusahaan yang baik. governance principles.
Seluruh anggota Komite Pemantau Risiko dipastikan tidak All members of the Risk Monitoring Committee are confirmed
memiliki hubungan keuangan maupun kepengurusan, tidak to have no financial or managerial relationships, no share
memiliki kepemilikan saham, dan tidak memiliki hubungan ownership, and no family ties with the Board of Commissioners,
keluarga dengan Dewan Komisaris, Direksi, ataupun Pemegang the Board of Directors, or the Controlling Shareholder. They also
Saham Pengendali. Mereka juga tidak memiliki hubungan have no other relationships in any form that could potentially
lain dalam bentuk apa pun yang berpotensi memengaruhi affect their independence in performing their duties and
independensi dalam menjalankan tugas dan tanggung responsibilities. By maintaining this independence, the Risk
jawabnya. Dengan terjaganya independensi tersebut, Komite Monitoring Committee is able to carry out its supervisory function
Pemantau Risiko dapat menjalankan fungsi pengawasan secara objectively, transparently, and free from conflicts of interest.
objektif, transparan, dan bebas dari benturan kepentingan. Information regarding the composition of the Risk Monitoring
Informasi mengenai komposisi Komite Pemantau Risiko per Committee as of December 31, 2025, is outlined as follows:
31 Desember 2025 diuraikan sebagai berikut:
Nama Jabatan Pengangkatan Jabatan di Bank
Name Position Appointment Position at the Bank
Sondang Martha Ketua Komite Pemantau Risiko Komisaris Independen
380/KEP/DIR/BOI/VIII/2025
Samosir Chairperson of the Risk Monitoring Committee Independent Commissioner
Anggota Komite Pemantau Risiko Komisaris Independen
Chairudin 380/KEP/DIR/BOI/VIII/2025
Member of the Risk Monitoring Committee Independent Commissioner
Anggota Komite Pemantau Risiko Pihak Independen
Joyo 380/KEP/DIR/BOI/VIII/2025
Member of the Risk Monitoring Committee Independent Party
Iwan Yuda Anggota Komite Pemantau Risiko Pihak Independen
380/KEP/DIR/BOI/VIII/2025
Pramudhi1) Member of the Risk Monitoring Committee Independent Party
Anggota Komite Pemantau Risiko Pihak Independen
Heru Subroto2) 565/KEP/DIR/BOI/XII/2024
Member of the Risk Monitoring Committee Independent Party
1) Efektif menjabat sebagai Anggota Komite Pemantau Risiko sejak 6 Agustus 2025. / Effectively serving as a Member of the Risk Monitoring Committee since August 6, 2025.
2) Efektif tidak lagi menjabat sebagai Anggota Komite Pemantau Risiko sejak 31 Juli 2025. / No longer serving as a Member of the Risk Monitoring Committee effective
July 31, 2025.
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PROFIL KOMITE PEMANTAU RISIKO
Risk Monitoring Committee Profile
Sondang Martha Samosir
Ketua Komite Pemantau Risiko
Chairperson of the Risk Monitoring Committee
Profil Sondang Martha Samosir dapat dilihat pada bagian Profil
Dewan Komisaris dalam Laporan Tahunan ini.
The profile of Sondang Martha Samosir can be found in
the Board of Commissioners Profile section of this Annual Report.
Chairudin
Anggota Komite Pemantau Risiko
Member of the Risk Monitoring Committee
Profil Chairudin dapat dilihat pada bagian Profil Dewan
Komisaris dalam Laporan Tahunan ini.
The profile of Chairudin can be found in the Board of
Commissioners Profile section of this Annual Report.
Joyo
Anggota Komite Pemantau Risiko
Member of the Risk Monitoring Committee
Profil Joyo dapat dilihat pada bagian Profil Komite Audit dalam
Laporan Tahunan ini.
The profile of Joyo can be found in the Audit Committee Profile
section of this Annual Report.
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Iwan Yuda Pramudhi
Anggota Komite Pemantau Risiko
Member of the Risk Monitoring Committee
Profil Iwan Yuda Pramudhi dapat dilihat pada bagian Profil
Komite Audit dalam Laporan Tahunan ini.
The profile of Iwan Yuda Pramudhi can be found in the Audit
Committee Profile section of this Annual Report.
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of the Risk Monitoring
Risiko Committee
Komite Pemantau Risiko memiliki tugas dan tanggung jawab The Risk Monitoring Committee has the duties and
untuk membantu Dewan Komisaris sebagaimana diuraikan responsibilities to assist the Board of Commissioners, as
berikut: outlined below:
1. Memberikan rekomendasi kepada Dewan Komisaris terkait 1. Providing recommendations to the Board of Commissioners
hasil evaluasi kebijakan dan pelaksanaan manajemen regarding the evaluation results of risk management
risiko; serta policies and the implementation; and
2. Memberikan rekomendasi kepada Dewan Komisaris terkait 2. Providing recommendations to the Board of Commissioners
hasil pantauan dan evaluasi pelaksanaan tugas Komite regarding the monitoring and evaluation results of
Manajemen Risiko dan Satuan Kerja Manajemen Risiko. the duties performed by the Risk Management Committee
and the Risk Management Work Unit.
Independensi Komite Pemantau Risiko Independence of the Risk Monitoring Committee
Independensi Komite Pemantau Risiko tercermin melalui The independence of the Risk Monitoring Committee is reflected
pelaksanaan tugas yang bebas dari pengaruh pihak mana in the execution of its duties free from the influence of any
pun, sehingga setiap keputusan dan rekomendasi yang party, ensuring that all decisions and recommendations are
diberikan berlandaskan pada penilaian objektif terhadap profil based on objective assessments of OK BANK’s risk profile and
dan pengelolaan risiko OK BANK. Komite Pemantau Risiko management. The Risk Monitoring Committee performs its role
menjalankan perannya dengan menjaga integritas, menjauhi by maintaining integrity, avoiding potential conflicts of interest,
potensi benturan kepentingan, dan memastikan proses identifikasi, and ensuring that the processes of risk identification, monitoring,
pemantauan, serta evaluasi risiko berlangsung secara transparan. and evaluation are conducted transparently. Information
Informasi mengenai pemenuhan aspek independensi anggota regarding the fulfillment of independence aspects of OK BANK’s
Komite Pemantau Risiko OK BANK diuraikan sebagai berikut: Risk Monitoring Committee members is outlined as follows:
Sondang
Aspek Independensi Iwan Yuda
Martha Chairudin Joyo
Independence Aspect Pramudhi
Samosir
Tidak memiliki hubungan keuangan dengan sesama anggota Komite
Pemantau Risiko, Komite Lainnya, Dewan Komisaris, Direksi dan Pemegang
Saham Pengendali.
Has no financial relationship with fellow members of the Risk Monitoring
Committee, other committees, the Board of Commissioners, the Board of
Directors, and Controlling Shareholders.
Tidak memiliki hubungan kepengurusan di OK BANK, Entitas Anak, maupun
perusahaan afiliasi.
Has no managerial relationship with OK BANK, its Subsidiaries, or affiliated
companies.
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Sondang
Aspek Independensi Iwan Yuda
Martha Chairudin Joyo
Independence Aspect Pramudhi
Samosir
Tidak memiliki hubungan kepemilikan saham di OK BANK.
Holds no share ownership in OK BANK.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau
sesama anggota Komite Pemantau Risiko.
Has no family relationship with the Board of Commissioners, the Board of
Directors, and/or other members of the Risk Monitoring Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Holds no position as a political party official, government official, or state
administrator.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting
Rapat Komite Pemantau Risiko diselenggarakan sedikitnya The Risk Monitoring Committee holds meetings at least once
1 (satu) kali dalam 1 (satu) bulan. Dalam pelaksanaannya, per month. In carrying out its duties, the Committee may invite
Komite Pemantau Risiko dapat mengundang Dewan Komisaris the Board of Commissioners and the Board of Directors if
dan Direksi apabila diperlukan untuk memberikan klarifikasi, necessary to provide clarification, additional explanations, or
penjelasan tambahan, atau masukan profesional terkait professional input on the issues under discussion. Throughout
isu yang sedang dibahas. Sepanjang tahun 2025, Komite 2025, the Risk Monitoring Committee held 12 (twelve)
Pemantau Risiko telah menyelenggarakan rapat sebanyak 12 meetings. Information regarding the attendance rate at these
(dua belas) kali. Informasi mengenai tingkat kehadiran rapat meetings is outlined as follows:
tersebut diuraikan sebagai berikut:
Nama Jabatan Jumlah Rapat Kehadiran Persentase
Name Position Total Meeting Attendance Percentage
Sondang Martha Ketua Komite Pemantau Risiko
12 12 100,00
Samosir Chairperson of the Risk Monitoring Committee
Anggota Komite Pemantau Risiko
Chairudin 12 12 100,00
Member of the Risk Monitoring Committee
Anggota Komite Pemantau Risiko
Joyo 12 12 100,00
Member of the Risk Monitoring Committee
Iwan Yuda Anggota Komite Pemantau Risiko
5 5 100,00
Pramudhi1) Member of the Risk Monitoring Committee
Anggota Komite Pemantau Risiko
Heru Subroto2) 7 6 85,71
Member of the Risk Monitoring Committee
1) Efektif menjabat sebagai Anggota Komite Pemantau Risiko sejak 6 Agustus 2025. / Effectively serving as a Member of the Risk Monitoring Committee since August 6, 2025.
2) Efektif tidak lagi menjabat sebagai Anggota Komite Pemantau Risiko sejak 31 Juli 2025. / No longer serving as a Member of the Risk Monitoring Committee effective
July 31, 2025.
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Laporan Pelaksanaan Tugas Komite Pemantau Report on the Implementation of Risk Monitoring
Risiko Committee’s Duties
Sepanjang tahun 2025, Komite Pemantau Risiko melaksanakan Throughout 2025, the Risk Monitoring Committee consistently
tugas dan tanggung jawabnya secara konsisten dalam rangka carried out its duties and responsibilities to strengthen
memperkuat penerapan manajemen risiko di OK BANK. the implementation of risk management at OK BANK.
Pelaksanaan tugas tersebut difokuskan pada evaluasi The execution of these duties focused on evaluating policies
kebijakan serta pemantauan efektivitas penerapan manajemen and monitoring the effectiveness of risk management practices
risiko yang dilaksanakan oleh Komite Manajemen Risiko dan carried out by the Risk Management Committee and the Risk
Satuan Kerja Manajemen Risiko (SKMR). Adapun kegiatan Management Work Unit (SKMR). The activities undertaken
yang dilakukan oleh Komite Pemantau Risiko selama tahun by the Risk Monitoring Committee during 2025 are outlined
2025 diuraikan sebagai berikut: as follows:
1. Mengevaluasi kebijakan dan pelaksanaan manajemen 1. Evaluating the policies and implementation of risk
risiko yang dijalankan oleh Komite Manajemen Risiko dan management conducted by the Risk Management
SKMR; serta Committee and SKMR; and
2. Memantau dan mengevaluasi pelaksanaan tugas Komite 2. Monitoring and evaluating the performance of the Risk
Manajemen Risiko dan SKMR. Management Committee and SKMR.
Program Pengembangan Kompetensi Komite Competency Development Program of
Pemantau Risiko the Risk Monitoring Committee
Program pengembangan kompetensi Komite Pemantau Risiko The competency development program for the Risk Monitoring
dilaksanakan secara berkelanjutan melalui berbagai kegiatan Committee is carried out continuously through various
peningkatan kapasitas, seperti seminar, workshop, dan bentuk capacity-building activities, such as seminars, workshops, and
pelatihan profesional lainnya yang relevan dengan tugas other forms of professional training relevant to supervisory
pengawasan. Upaya ini bertujuan memperkuat wawasan, duties. This effort aims to strengthen the knowledge, skills,
keterampilan, dan pemahaman anggota Komite Pemantau and understanding of Risk Monitoring Committee members
Risiko terhadap dinamika regulasi dan praktik tata kelola regarding regulatory dynamics and governance practices,
sehingga mereka dapat menjalankan peran pengawasan secara enabling them to perform their oversight role more effectively
lebih efektif dan responsif terhadap perkembangan lingkungan and responsively to changes in the business environment.
bisnis. Informasi mengenai pengembangan kompetensi yang Information on the competency development attended by
diikuti oleh Sondang Martha Samosir dan Chairudin selaku Sondang Martha Samosir and Chairudin, as the Chairperson
Ketua Komite Pemantau Risiko dan Anggota Komite Pemantau and Member of the Risk Monitoring Committee, has been
Risiko telah diungkapkan pada bagian Pelatihan Dewan disclosed in the Board of Commissioners’ Training section.
Komisaris. Sedangkan, informasi mengenai pengembangan Meanwhile, information on the competency development
kompetensi yang diikuti oleh Joyo dan Iwan Yuda Pramudhi attended by Joyo and Iwan Yuda Pramudhi, as Members
selaku Anggota Komite Pemantau Risiko sepanjang tahun of the Risk Monitoring Committee throughout 2025, has
2025 telah diungkapkan pada bagian Program Pengembangan been disclosed in the Audit Committee Competency
Kompetensi Komite Audit. Development Program section.
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi merupakan organ The Remuneration and Nomination Committee is a supporting
pendukung Dewan Komisaris yang bertugas memastikan organ of the Board of Commissioners tasked with ensuring
proses penetapan remunerasi serta nominasi anggota that the process for determining remuneration and nominating
Dewan Komisaris dan Direksi dilaksanakan secara objektif, members of the Board of Commissioners and the Board of
transparan, dan selaras dengan prinsip tata kelola perusahaan Directors is carried out objectively, transparently, and in line
yang baik. Dalam menjalankan fungsinya, Komite melakukan with the principles of good corporate governance. In performing
penilaian atas kualifikasi, kinerja, integritas, serta kebutuhan its functions, the Committee assesses qualifications,
organisasi guna memastikan bahwa rekomendasi yang performance, integrity, and organizational needs to ensure
diberikan mendukung efektivitas kepemimpinan dan that its recommendations support effective leadership and
keberlanjutan pengelolaan OK BANK. Melalui mekanisme the sustainable management of OK BANK. Through a structured
kerja yang terstruktur dan berkeadilan, Komite Remunerasi and equitable working mechanism, the Remuneration and
dan Nominasi berperan dalam menjaga keseimbangan antara Nomination Committee plays a role in maintaining a balance
kepentingan OK BANK dan pemangku kepentingan, sekaligus between the interests of OK BANK and its stakeholders, while
memastikan tersedianya jajaran manajemen yang kompeten also ensuring the availability of a competent and high-integrity
dan berintegritas. management team.
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Komite Remunerasi dan Nominasi terdiri dari 3 (tiga) anggota yang memiliki kompetensi dan
keahlian yang relevan untuk mendukung pelaksanaan fungsi pengawasan serta pemberian
rekomendasi kepada Dewan Komisaris. Sepanjang tahun 2025, Komite Remunerasi dan
Nominasi secara aktif menyelenggarakan rapat-rapat untuk membahas kebijakan remunerasi,
penilaian kinerja, dan proses nominasi, guna memastikan keselarasan antara kepentingan
OK BANK, kinerja manajemen, dan prinsip tata kelola perusahaan yang baik. Melalui peran
tersebut, Komite Remunerasi dan Nominasi berkontribusi dalam memperkuat transparansi,
akuntabilitas, dan kualitas kepemimpinan OK BANK secara berkelanjutan.
The Remuneration and Nomination Committee consists of 3 (three) members with relevant
competencies and expertise to support the supervisory function and provide recommendations to
the Board of Commissioners. Throughout 2025, the Remuneration and Nomination Committee
actively held meetings to discuss remuneration policies, performance assessments, and
nomination process, ensuring alignment between the interests of OK BANK, management
performance, and the principles of good corporate governance. Through this role,
the Remuneration and Nomination Committee contributes to strengthening transparency,
accountability, and the quality of OK BANK’s leadership on a sustainable basis.
Dasar Hukum Legal Basis
Dalam melaksanakan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Remuneration
Remunerasi dan Nominasi mengacu pada berbagai peraturan and Nomination Committee refers to various applicable laws
perundang-undangan yang berlaku, antara lain: and regulations, including:
1. POJK Nomor 17 Tahun 2023 tentang Penerapan Tata 1. POJK Number 17 of 2023 on Implementation of Governance
Kelola Bagi Bank Umum; for Commercial Banks;
2. POJK Nomor 45/POJK.03/2015 tentang Penerapan Tata 2. POJK Number 45/POJK.03/2015 on Implementation of
Kelola dalam Pemberian Remunerasi Bagi Bank Umum; Governance in Remuneration Provision for Commercial
serta Banks; and
3. POJK Nomor 34/POJK.04/2014 tentang Komite Nominasi 3. POJK Number 34/POJK.04/2014 on the Nomination and
dan Remunerasi Emiten atau Perusahaan Publik. Remuneration Committee for Issuers or Public Companies.
Piagam Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
Komite Remunerasi dan Nominasi dalam menjalankan tugasnya The Remuneration and Nomination Committee, in carrying out
senantiasa berpedoman pada Kebijakan Komite Remunerasi its duties, always refers to the Remuneration and Nomination
dan Nominasi. Kebijakan tersebut mengatur secara jelas Committee Policy. This policy clearly defines the duties,
tugas, tanggung jawab, dan wewenang Komite Remunerasi responsibilities, and authority of the Committee, including
dan Nominasi, termasuk ketentuan lain yang relevan dalam other relevant provisions that support its role and operations.
mendukung peran dan operasionalnya.
Periode Jabatan Anggota Komite Remunerasi dan Term of Office of the Remuneration and
Nominasi Nomination Committee Members
Periode jabatan anggota Komite Remunerasi dan Nominasi The term of office of the Remuneration and Nomination
ditetapkan secara jelas, di mana masa tugasnya tidak Committee members is clearly defined, where the term does
lebih lama dari masa jabatan Dewan Komisaris. Dalam not exceed the term of office of the Board of Commissioners.
hal ini, periode jabatan Komite Remunerasi dan Nominasi In this regard, the term of office of OK BANK’s Remuneration
OK BANK telah memenuhi seluruh ketentuan yang diatur dalam and Nomination Committee fully complies with all provisions
POJK Nomor 34/POJK.04/2014. stipulated in POJK Number 34/POJK.04/2014.
Komposisi Anggota Komite Remunerasi dan Composition of the Remuneration and
Nominasi Nomination Committee Members
Komite Remunerasi dan Nominasi terdiri dari 3 (tiga) orang The Remuneration and Nomination Committee consists of
anggota yang mencerminkan kombinasi keahlian dan 3 (three) members which reflect a strong combination of
independensi yang kuat. Susunan ini terdiri atas 2 (dua) expertise and independence. The composition includes 2 (two)
orang anggota Komisaris dan 1 (satu) orang Kepala Divisi members of the Board of Commissioners and 1 (one) Head of
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HC & Corsec yang memiliki kompetensi profesional di bidang the HC & Corsec Division with professional competence
SDM. Ketua Komite Remunerasi dan Nominasi dijabat oleh in Human Resources. The Chairman of the Remuneration
Komisaris Independen, sehingga memastikan kepemimpinan and Nomination Committee is held by an Independent
yang objektif. Commissioner, ensuring objective leadership.
Seluruh anggota Komite Remunerasi dan Nominasi dipastikan All members of the Remuneration and Nomination Committee
tidak memiliki hubungan keuangan maupun kepengurusan, are confirmed to have no financial or managerial relationships,
tidak memiliki kepemilikan saham, dan tidak memiliki hubungan no share ownership, and no family ties with the Board of
keluarga dengan Dewan Komisaris, Direksi, ataupun Pemegang Commissioners, the Board of Directors, or the Controlling
Saham Pengendali. Selain itu, anggota Komite Remunerasi Shareholder. In addition, the members of the Remuneration and
dan Nominasi juga tidak memiliki hubungan lain dalam Nomination Committee do not have any other relationships in
bentuk apa pun yang berpotensi memengaruhi independensi any form that could potentially affect their independence in
dalam menjalankan tugas dan tanggung jawabnya. Informasi carrying out their duties and responsibilities. Information
mengenai komposisi Komite Remunerasi dan Nominasi regarding the composition of the Remuneration and Nomination
per 31 Desember 2025 diuraikan sebagai berikut: Committee as of December 31, 2025, is outlined as follows:
Nama Jabatan Pengangkatan Jabatan di Bank
Name Position Appointment Position at the Bank
Ketua Komite Remunerasi dan Nominasi
Sondang Martha Komisaris Independen
Chairperson of the Remuneration and 380/KEP/DIR/BOI/VIII/2025
Samosir Independent Commissioner
Nomination Committee
Anggota Komite Remunerasi dan Nominasi
Komisaris Utama
Sang Ton Sim Member of the Remuneration and 380/KEP/DIR/BOI/VIII/2025
President Commissioner
Nomination Committee
Anggota Komite Remunerasi dan Nominasi
Novita Dwi Kepala Divisi HC & Corsec
Member of the Remuneration and 380/KEP/DIR/BOI/VIII/2025
Kusumawardhani Head of HC & Corsec Division
Nomination Committee
PROFIL KOMITE REMUNERASI DAN NOMINASI
Remuneration and Nomination Committee Profile
Sondang Martha Samosir
Ketua Komite Remunerasi dan Nominasi
Chairperson of the Remuneration and Nomination
Committee
Profil Sondang Martha Samosir dapat dilihat pada bagian Profil
Dewan Komisaris dalam Laporan Tahunan ini.
The profile of Sondang Martha Samosir can be found in
the Board of Commissioner Profile section of this Annual Report.
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Sang Ton Sim
Anggota Komite Remunerasi dan Nominasi
Member of the Remuneration and Nomination
Committee
Profil Sang Ton Sim dapat dilihat pada bagian Profil Dewan
Komisaris dalam Laporan Tahunan ini.
The profile of Sang Ton Sim can be found in the Board of
Commissioner Profile section of this Annual Report.
Novita Dwi
Kusumawardhani
Anggota Komite Remunerasi dan Nominasi
Member of the Remuneration and Nomination
Committee
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
44 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat sebagai Anggota Komite Remunerasi dan Nominasi Appointed as a Member of the Remuneration and Nomination
berdasarkan Keputusan Direksi Nomor 380/KEP/DIR/BOI/VIII/2025 Committee based on the Board of Directors’ Decision
tentang Perubahan Ketua dan Anggota Komite. Number 380/KEP/DIR/BOI/VIII/2025 on Changes to the Chairperson
and Members of the Committee.
Riwayat Pendidikan Educational Background
• Magister Manajemen dari Universitas Mercubuana (2021); • Master of Management from Universitas Mercubuana (2021);
serta and
• Sarjana Ekonomi dari Universitas Airlangga (2005). • Bachelor of Economics from Universitas Airlangga (2005).
Riwayat Jabatan Professional Background
• Recruitment, People Development, and Service Quality Head • Recruitment, People Development, and Service Quality Head
(AVP) PT Bank Oke Indonesia, Tbk. (2019-2022); (AVP) of PT Bank Oke Indonesia, Tbk. (2019-2022);
• Service Quality and Contact Center & People Development • Service Quality and Contact Center & People Development
Head (AVP) Bank Ganesha (2017-2019); serta Head (AVP) of Bank Ganesha (2017-2019); and
• Service Quality & Contact Center Unit Head (Senior Manager) • Service Quality & Contact Center Unit Head (Senior Manager)
HANA Bank (2013-2017). of HANA Bank (2013-2017).
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Rangkap Jabatan Concurrent Position
Human Capital dan Corporate Secretary Division Head (VP) Human Capital and Corporate Secretary Division Head (VP) of
PT Bank Oke Indonesia, Tbk. (sejak 2022). PT Bank Oke Indonesia, Tbk. (since 2022).
Sertifikasi Certification
Manajemen Risiko Jenjang 5 (2024). Risk Management Level 5 (2024).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with the Members of the Board of Commissioners,
Anggota Direksi, dan Pemegang Saham Utama, baik langsung Members of the Board of Directors, or Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly up to the individual owners.
Tugas dan Tanggung Jawab Komite Remunerasi Duties and Responsibilities of the Remuneration
dan Nominasi and Nomination Committee
Komite Remunerasi dan Nominasi memiliki tugas dan tanggung The Remuneration and Nomination Committee has the duties
jawab untuk membantu Dewan Komisaris sebagaimana and responsibilities to assist the Board of Commissioners, as
diuraikan berikut: outlined below:
1. Komite Remunerasi telah mengevaluasi kebijakan remunerasi 1. The Remuneration Committee has evaluated the remuneration
bagi: policies for:
a. Dewan Komisaris dan Direksi untuk disampaikan a. The Board of Commissioners and the Board of Directors
kepada RUPS; to be submitted to the GMS;
b. Pejabat Eksekutif dan pegawai untuk disampaikan b. Executive Officers and employees to be submitted by
oleh Dewan Komisaris kepada Direksi. the Board of Commissioners to the Board of Directors.
2. Menyusun kebijakan dan sistem serta prosedur pemilihan 2. Formulating policies, systems, and procedures for
dan/atau penggantian anggota Dewan Komisaris dan the selection and/or replacement of members of
Direksi untuk disampaikan kepada RUPS; the Board of Commissioners and the Board of Directors to
be submitted to the GMS;
3. Memberikan rekomendasi nama-nama calon anggota 3. Providing recommendations on the names of candidates
Dewan Komisaris dan/atau Direksi yang sesuai dengan for members of the Board of Commissioners and/or
ukuran dan kompleksitas usaha Perseroan untuk the Board of Directors in accordance with the Company’s size
disampaikan kepada RUPS; serta and business complexity to be submitted to the GMS; and
4. Memberikan rekomendasi Pihak Independen yang dapat 4. Providing recommendations on Independent Parties who
menjadi anggota Komite kepada Dewan Komisaris. may become members of the Committee to the Board of
Commissioners.
Independensi Komite Remunerasi dan Nominasi Independence of the Remuneration and
Nomination Committee
Independensi Komite Remunerasi dan Nominasi tercermin The independence of the Remuneration and Nomination
melalui pelaksanaan tugas yang didasarkan pada pertimbangan Committee is reflected in the execution of its duties based
objektif dan profesional tanpa dipengaruhi kepentingan pribadi on objective and professional considerations, without being
maupun tekanan dari pihak mana pun. Komite Remunerasi dan influenced by personal interests or pressure from any party.
Nominasi menjaga integritas dalam memberikan rekomendasi The Committee upholds integrity in providing recommendations
terkait kebijakan remunerasi dan proses nominasi, sehingga regarding remuneration policies and the nomination process,
keputusan yang dihasilkan selaras dengan prinsip tata kelola ensuring that the resulting decisions are aligned with
yang baik. the principles of good corporate governance.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meeting
Rapat Komite Remunerasi dan Nominasi diselenggarakan The Remuneration and Nomination Committee holds meetings
sedikitnya 1 (satu) kali dalam 3 (tiga) bulan. Dalam pelaksanaannya, at least once every 3 (three) months. In carrying out its duties,
Komite Remunerasi dan Nominasi dapat mengundang Dewan the Remuneration and Nomination Committee may invite
Komisaris dan Direksi apabila diperlukan untuk memberikan the Board of Commissioners and the Board of Directors if
klarifikasi, penjelasan tambahan, atau masukan profesional necessary to provide clarification, additional explanations, or
terkait isu yang sedang dibahas. Sepanjang tahun 2025, professional input on the issues under discussion. Throughout
Komite Remunerasi dan Nominasi telah menyelenggarakan 2025, the Remuneration and Nomination Committee held
rapat sebanyak 4 (empat) kali. Informasi mengenai tingkat 4 (four) times meetings. Information regarding the attendance
kehadiran rapat tersebut diuraikan sebagai berikut: rate at these meetings is outlined as follows:
Nama Jabatan Jumlah Rapat Kehadiran Persentase
Name Position Total Meeting Attendance Percentage
Sondang Martha Ketua Komite Remunerasi dan Nominasi
4 4 100,00
Samosir Chairperson of the Remuneration and Nomination Committee
Anggota Komite Remunerasi dan Nominasi
Sang Ton Sim 4 4 100,00
Member of the Remuneration and Nomination Committee
Novita Dwi Anggota Komite Remunerasi dan Nominasi
4 4 100,00
Kusumawardhani Member of the Remuneration and Nomination Committee
Laporan Pelaksanaan Tugas Komite Remunerasi Report on the Implementation of Duties of
dan Nominasi the Remuneration and Nomination Committee
Sepanjang tahun 2025, Komite Remunerasi dan Nominasi Throughout 2025, the Remuneration and Nomination
melaksanakan tugas dan tanggung jawabnya secara aktif, Committee actively carried out its duties and responsibilities,
khususnya terkait kebijakan remunerasi dan proses nominasi. particularly regarding remuneration policies and nomination
Pelaksanaan tugas tersebut dilakukan melalui pembahasan process. These duties were performed through structured
dan pengambilan keputusan yang terstruktur, dengan discussions and decision-making, considering the interests
mempertimbangkan kepentingan OK BANK, kinerja manajemen, of OK BANK, management performance, and applicable
serta ketentuan peraturan yang berlaku. Adapun kegiatan yang regulatory requirements. The activities undertaken by
dilaksanakan oleh Komite Remunerasi dan Nominasi selama the Remuneration and Nomination Committee during 2025 are
tahun 2025 diuraikan sebagai berikut: outlined as follows:
1. Memberikan rekomendasi penyesuaian upah minimum 1. Providing recommendations for adjustments to the minimum
karyawan untuk tahun 2025; employee wage for 2025;
2. Memberikan persetujuan atas pembayaran kenaikan gaji 2. Approving employee salary increases;
karyawan;
3. Menetapkan kandidat Direktur Utama dan Direktur Kredit 3. Determining candidates for the President Director
untuk diajukan kepada Dewan Komisaris dan/atau RUPS and Director of Credit to be submitted to the Board of
sesuai dengan kebutuhan organisasi dan persyaratan Commissioners and/or the GMS in accordance with
yang ditetapkan; serta organizational needs and established requirements; and
4. Memberikan rekomendasi penyesuaian upah minimum 4. Providing recommendations for adjustments to the minimum
karyawan untuk tahun 2026. employee wage for 2026.
Program Pengembangan Kompetensi Komite Competency Development Program of
Remunerasi dan Nominasi the Remuneration and Nomination Committee
Program pengembangan kompetensi Komite Remunerasi dan The competency development program for the Remuneration
Nominasi dilaksanakan secara berkelanjutan melalui berbagai and Nomination Committee is carried out continuously
kegiatan peningkatan kapasitas, seperti seminar, workshop, through various capacity-building activities, such as
dan bentuk pelatihan profesional lainnya yang relevan seminars, workshops, and other forms of professional training
dengan tugas pengawasan. Upaya ini bertujuan memperkuat relevant to supervisory duties. This effort aims to strengthen
wawasan, keterampilan, dan pemahaman anggota Komite the knowledge, skills, and understanding of the Remuneration
Remunerasi dan Nominasi terhadap dinamika regulasi dan and Nomination Committee members regarding regulatory
praktik tata kelola sehingga mereka dapat menjalankan peran dynamics and governance practices, enabling them to perform
pengawasan secara lebih efektif dan responsif terhadap their oversight role more effectively and responsively to
perkembangan lingkungan bisnis. Informasi mengenai changes in the business environment. Information regarding
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pengembangan kompetensi yang diikuti oleh Sondang Martha the competency development attended by Sondang Martha
Samosir dan Sang Ton Sim selaku Ketua Komite Remunerasi Samosir and Sang Ton Sim, as Chairperson and Members of
dan Nominasi serta Anggota Komite Remunerasi dan Nominasi the Remuneration and Nomination Committee, has been
telah diungkapkan pada bagian Pelatihan Dewan Komisaris. disclosed in the Board of Commissioners’ Training section.
Sedangkan, informasi mengenai pengembangan kompetensi Meanwhile, information regarding the competency development
Anggota Komite Remunerasi dan Nominasi lainnya sepanjang attended by other Members of the Remuneration and Nomination
tahun 2025 diuraikan sebagai berikut: Committee throughout 2025 is outlined as follows:
TABEL PENGEMBANGAN KOMPETENSI KOMITE REMUNERASI DAN NOMINASI
Remuneration and Nomination Committee Competency Development Table
Waktu dan
Nama Jabatan Program yang Diikuti Penyelenggara Tempat
Name Position Programs Attended Organizer Date and
Place
Novita Dwi Anggota Komite Sosialisasi Aplikasi Pelaporan Online OJK APOLO “Modul
Kusumawardhani Remunerasi dan Laporan Insidental Perbankan (BU, BUS, dan UUS)”.
Nominasi 16 Januari 2025
Dissemination of OJK Online Reporting Application OJK
January 16, 2025
Member of (APOLO) – “Banking Incidental Report Module (BU, BUS,
the Remuneration and UUS)”.
and Nomination
Sosialisasi Digital Right Management (DRM). 11 Februari 2025
Committee Internal
Dissemination of Digital Right Management (DRM). February 11, 2025
Soft-Launching Web Portal Pengaduan Konsumen BI,
Pengenalan Logo GEBER PK, dan Penguatan Forum Diskusi
Reguler Pelindungan Konsumen untuk Indonesia (SIGUNA).
5 Maret 2025
Soft launch of BI Consumer Complaint Web Portal, BI
March 5, 2025
Introduction of GEBER PK Logo, and Strengthening of
Regular Consumer Protection Discussion Forum for
Indonesia (SIGUNA).
Mitigasi dan Tindak Lanjut terhadap Keamanan BI-FAST
terhadap Risiko Fraud. 29 Maret 2025
BI
Mitigation and Follow-up on BI-FAST Security against March 29, 2025
Fraud Risk.
Sosialisasi Pendalaman POJK Nomor 45 Tahun 2024
tentang Penguatan Emiten dan Perusahaan Publik. 30 April 2025
OJK
Dissemination of the deepening of POJK Number 45 of April 30, 2025
2024 on Strengthening Issuers and Public Companies.
Team Work Training. 9 Agustus 2025
Internal
Team Work Training. August 9, 2025
Sosialisasi Ketentuan Perbankan. 14 Agustus 2025
OJK
Dissemination of Banking Regulations. August 14, 2025
Pemeliharaan Sertifikasi Manajemen Risiko Jenjang 5. 9 September 2025
Kovida
Maintenance of Risk Management Certification Level 5. September 9, 2025
LTKM Training. 18 Oktober 2025
PPATK
LTKM Training. October 18, 2025
Seminar Peran Corporate Secretary dalam Era AI dan
Reputasi Digital. 20 November 2025
ICSA
Seminar on the Role of Corporate Secretary in the AI Era November 20, 2025
and Digital Reputation.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Komite di Bawah Direksi
Committees Under the Board of Directors
OK BANK membentuk berbagai komite di bawah Direksi sebagai OK BANK has established several committees under
bagian dari komitmen untuk menerapkan tata kelola yang the Board of Directors as part of its commitment to
transparan, efektif, dan akuntabel. Keberadaan komite-komite ini implementing transparent, effective, and accountable corporate
berfungsi mendukung Direksi dalam pengambilan keputusan governance. These committees are designed to support
strategis, pengawasan operasional, dan memastikan penerapan the Board of Directors in strategic decision-making, operational
kebijakan sesuai prinsip manajemen risiko serta kepatuhan. oversight, and ensuring that policies are implemented in
Adapun komite-komite di bawah Direksi meliputi: accordance with risk management and compliance principles.
The committees under the Board of Directors include:
1. Komite Kredit; 1. Credit Committee;
2. Komite Manajemen Risiko; 2. Risk Management Committee;
3. Komite Pengarah TI; 3. IT Steering Committee;
4. Assets and Liability Committee (ALCO); 4. Assets and Liability Committee (ALCO);
5. Komite Kebijakan Perkreditan; serta 5. Credit Policy Committee; and
6. Komite Pengembangan Produk. 6. Product Development Committee.
Komite Kredit Credit Committee
Komite Kredit merupakan organ pendukung Direksi yang The Credit Committee is a supporting organ of the Board of
berperan dalam memastikan proses pemberian fasilitas Directors that plays a role in ensuring that the credit facility
kredit dilaksanakan secara prudent dan selaras dengan granting process is conducted prudently and aligned with
kebijakan internal serta prinsip manajemen risiko OK BANK. OK BANK’s internal policies and risk management principles.
Komite Kredit menjalankan fungsi penilaian, pengkajian, dan The Credit Committee performs functions of assessment,
pemberian rekomendasi atas permohonan kredit dengan review, and providing recommendations on credit applications
mempertimbangkan aspek kelayakan usaha, kemampuan by considering the feasibility of the business, repayment
pembayaran, serta potensi risiko yang melekat pada nasabah. capacity, and the potential risks inherent in the customer.
Melalui pengawasan dan evaluasi yang konsisten, Komite Through consistent supervision and evaluation, the Credit
Kredit berkontribusi dalam menjaga kualitas portofolio kredit, Committee contributes to maintaining the quality of
meminimalkan risiko pembiayaan, serta mendukung stabilitas the credit portfolio, minimizing financing risks, and supporting
dan pertumbuhan usaha OK BANK secara berkelanjutan. OK BANK’s business stability and sustainable growth.
Piagam Komite Kredit Credit Committee Charter
Komite Kredit dalam menjalankan tugasnya senantiasa In carrying out its duties, the Credit Committee always refers
berpedoman pada Internal Memo Nomor 016/IM-BOI/CR/X/2025 to Internal Memo Number 016/IM-BOI/CR/X/2025 dated
tanggal 22 Oktober 2025 yang mengatur secara jelas tugas, October 22, 2025 which clearly regulates the duties,
tanggung jawab, dan wewenang Komite Kredit, termasuk responsibilities, and authorities of the Credit Committee,
ketentuan lain yang relevan dalam mendukung peran dan including other relevant provisions that support its role and
operasionalnya. operations.
Periode Jabatan Anggota Komite Kredit Term of Office of the Credit Committee Members
Periode jabatan anggota Komite Kredit ditetapkan selaras The term of office for Credit Committee members is set in
dengan masa jabatan Direksi, sebagaimana ditentukan melalui alignment with the term of office of the Board of Directors, as
keputusan RUPS. determined by the GMS resolution.
Struktur dan Keanggotaan Komite Kredit Structure and Membership of the Credit Committee
Struktur dan keanggotaan Komite Kredit tahun 2025 mengalami The structure and membership of the Credit Committee in 2025
perubahan sebagaimana komposisi yang diatur dalam Internal underwent changes as stipulated in Internal Memo Number
Memo Nomor 016/IM-BOI/CR/X/2025 tanggal 22 Oktober 016/IM-BOI/CR/X/2025 dated October 22, 2025 on Changes in
2025 tentang Perubahan Susunan Pemutus Kredit. Struktur the Composition of Credit Decision Makers. The structure and
dan keanggotaan Komite Kredit diuraikan sebagai berikut: membership of the Credit Committee are as follows:
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Ketua (Merangkap Anggota)
Chairperson (Concurrently Member)
Direktur Kredit atau penggantinya yang ditunjuk. Director of Credit or a designated substitute.
Anggota
Member
• Wakil Direktur Utama; • Vice President Director;
• Direktur Kredit; • Director of Credit;
• Direktur Bisnis; • Director of Business;
• Kepala Divisi Credit Review; • Head of Credit Review Division;
• Kepala Divisi Manajemen Risiko; • Head of Risk Management Division;
• Kepala Divisi Perencanaan Perusahaan; • Head of Corporate Planning Division;
• Kepala Divisi Bisnis; • Head of Business Division;
• Kepala Divisi Loan Asset Management; • Head of Loan Asset Management Division;
• Kepala Divisi Kepatuhan (untuk eksposur kredit mulai dari Rp20 miliar • Head of Compliance Division (for credit exposures starting from
atas kredit baru, penambahan, perpanjangan, maupun restrukturisasi) Rp20 billion for new credit, increases, extensions, or restructuring)
dengan output berupa Compliance Checklist; dan with outputs in the form of a Compliance Checklist; and
• Kepala Departemen Credit Review. • Head of the Credit Review Department.
Sekretaris rapat Komite Kredit adalah Credit Reviewer yang kehadirannya The secretary of the Credit Committee meetings is a Credit Reviewer,
tergantung pada proposal kredit dan internal memo terkait yang akan whose attendance depends on the credit proposals and related internal
dibahas dalam setiap rapat Komite Kredit. memos to be discussed in each Credit Committee meeting.
Independensi Komite Kredit Independence of the Credit Committee
Komite Kredit senantiasa menjaga independensinya dalam The Credit Committee consistently maintains its independence
menjalankan setiap tugas dan tanggung jawabnya. Setiap in carrying out all its duties and responsibilities. Every
keputusan dan rekomendasi yang diberikan dilakukan secara decision and recommendation made is done objectively,
objektif, bebas dari pengaruh kepentingan pribadi maupun free from personal interests or the influence of any party.
pihak mana pun. Komitmen terhadap integritas ini menjadi This commitment to integrity becomes the foundation for
dasar bagi Komite Kredit untuk berperan secara profesional the Credit Committee to act professionally and ensures that
dan memastikan bahwa pelaksanaan fungsinya selalu sejalan the execution of its functions always aligns with the principles
dengan prinsip tata kelola perusahaan yang baik. of good corporate governance.
Tugas Komite Kredit Duties of the Credit Committee
Komite Kredit memiliki tugas untuk membantu Direksi yang The Credit Committee has the duties of assisting the Board of
diuraikan sebagai berikut: Directors, which is outlined as follows:
1. Memutuskan pemberian kredit untuk kredit baru dan 1. Approving credit facilities for new loans and additional
penambahan selain Back-to-Back; serta facilities other than Back-to-Back loans; and
2. Mengatur efisiensi, efektivitas, serta melakukan evaluasi 2. Regulating efficiency and effectiveness, as well as to
terhadap pengelolaan portofolio kredit. evaluate the management of the credit portfolio.
Tanggung Jawab dan Wewenang Komite Kredit Responsibilities and Authorities of the Credit
Committee
Selain memiliki tugas, Komite Kredit juga memiliki tanggung In addition to duties, the Credit Committee also has
jawab dan wewenang yang diuraikan sebagai berikut: responsibilities and authorities as outlined below:
1. Melakukan evaluasi dan memberikan persetujuan atas 1. Conducting evaluations and providing approvals for credit
proposal kredit dan memo yang diajukan sesuai dengan proposals and memos submitted in accordance with
batas kewenangan yang telah ditetapkan; the predetermined authority limits;
2. Menetapkan akselerasi penurunan kolektibilitas pinjaman 2. Determining the acceleration of loan collectability
untuk kolektibilitas 1 (satu) atau 2 (dua) menjadi downgrade from collectability 1 (one) or 2 (two) to
non-performing loan dan/atau bersama Departemen Special non-performing loans and/or jointly with the Special Asset
Asset Management dan Divisi Bisnis untuk pinjaman Management Department and Business Division for loans
kolektibilitas 1 (satu) atau 2 (dua); serta with collectability 1 (one) or 2 (two); and
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TATA KELOLA PERUSAHAAN
Corporate Governance
3. Melakukan evaluasi pengelolaan portofolio kredit yang 3. Conducting evaluations on managing the granted credit
diberikan, termasuk kredit bermasalah, pencadangannya portfolio, including non-performing loans, provisioning,
dan kecukupan agunan/jaminan bagi setiap debitur, tetapi and adequacy of collateral/guarantee for each debtor, but
tidak terbatas terhadap hal-hal berikut: not limited to the following aspects:
a. Pertumbuhan dan kualitas portofolio kredit yang a. Monitoring the growth and quality of the granted
diberikan secara keseluruhan maupun per jenis kredit credit portfolio, both overall and by type of credit and
dan target market; target market;
b. Efektivitas pelaksanaan kewenangan pemutus kredit b. Evaluating the effectiveness of credit decision making
sesuai jabatan; authority implementation based on position;
c. Implementasi kebijakan dan prosedur pemberian dan c. Monitoring the implementation of credit granting
pengendalian risiko kredit; serta policies and risk control procedures; and
d. Kepatuhan pelaksanaan peraturan regulator dan/atau d. Ensuring compliance with applicable regulatory
Undang-Undang yang berlaku, seperti peraturan Batas provisions and/or prevailing laws, such as the Legal
Maksimum Pemberian Kredit dan Penilaian Kualitas Lending Limit regulation and the Assessment of Asset
Aset Bank Umum. Quality of Commercial Banks.
Pelaksanaan Tugas Komite Kredit Implementation of Credit Committee’s Duties
Pelaksanaan tugas Komite Kredit pada tahun 2025 telah berjalan The implementation of the Credit Committee’s duties in
secara efektif dan sesuai dengan wewenang yang dimiliki. 2025 was carried out effectively and in accordance with its
authorized powers.
Rapat Komite Kredit (RKK) Credit Committee’s Meeting (RKK)
Komite Kredit dapat menyelenggarakan rapat sebanyak 2 (dua) The Credit Committee may hold meetings twice a week, every
kali dalam seminggu, setiap hari Selasa dan Kamis, atau di waktu Tuesday and Thursday, or at other designated times. These
lain yang telah ditentukan. Rapat-rapat tersebut membahas: meetings cover:
1. Pengambilan keputusan tentang proposal kredit baru, 1. Decision-making on new credit proposals, rollovers,
rollover, top-up, dan restrukturisasi; serta top-ups, and restructuring; and
2. Perubahan internal memo setelah penandatanganan 2. Amendments to internal memos after the signing of credit
perjanjian kredit dengan limit tertentu. agreements with certain limits.
Program Pengembangan Kompetensi Komite Competency Development Program of Credit
Kredit Committee
Program pengembangan kompetensi Komite Kredit The Credit Committee’s competency development program
dilaksanakan sebagai upaya berkelanjutan untuk memastikan is carried out as an ongoing effort to ensure that each
setiap anggota memiliki pengetahuan, keterampilan, dan member possesses knowledge, skills, and insights relevant to
wawasan yang relevan dengan kebutuhan Bank. Melalui the Bank’s needs. Through various forms of training, workshops,
berbagai bentuk pelatihan, workshop, maupun kegiatan and other capacity-building activities, this program is designed
peningkatan kapasitas lainnya, program ini dirancang untuk to strengthen analytical abilities, understanding of internal
memperkuat kemampuan analitis, pemahaman terhadap policies, and the committee’s professional competencies.
kebijakan internal, dan kompetensi profesional komite. Information regarding the competency development programs
Informasi mengenai program pengembangan kompetensi yang attended by Hendra Lie as Vice President Director, Vincentia
diikuti oleh Hendra Lie selaku Wakil Direktur Utama, Vincentia M. Djuniwati Wijaya as Director of Business, and Jong Ha Lee
M. Djuniwati Wijaya selaku Direktur Bisnis, dan Jong Ha Lee as Director of Credit has been disclosed in the Competency
selaku Direktur Kredit telah diungkapkan pada bagian Program Development Program of Board of Directors section. In
Pengembangan Kompetensi Direksi. Selain itu, program addition, the competency development programs attended by
pengembangan kompetensi yang diikuti oleh anggota Komite other members of the Credit Committee throughout 2025 are
Kredit lainnya sepanjang tahun 2025 diuraikan sebagai berikut: outlined as follows:
Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Lee Chang Sup Kepala Divisi
Pelatihan Pembekalan Sertifikasi Risiko Manajemen
Corporate Planning 20 Oktober 2025
Jenjang 4. Kovida Inhouse
Head of Corporate October 20, 2025
Training for Risk Management Certification Level 4.
Planning Division
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Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Dina Ageng Kepala Divisi Finance Sosialisasi Ketentuan mengenai Kebijakan Intensif
Setiani Head of Finance Likuiditas Makroprudensial dan Ketentuan mengenai Giro
Wajib Minimum. 25 Maret 2025
Division BI Public
March 25, 2025
Dissemination of Regulations on Macroprudential Liquidity
Incentive Policy and Statutory Reserves.
Pembahasan Pengaturan Internal Liquidity Adequacy
Assessment Process (ILAAP) dan Laporan ILAAP. 15 Mei 2025
OJK Public
Discussion on the Arrangement of Internal Liquidity May 15, 2025
Adequacy Assessment Process (ILAAP) and ILAAP Report.
GRI Financial Services (Banking, Insurance, and Capital
Market) Sector Standard: Exposure Drafts. 20 Mei 2025
BEI Public
GRI Financial Services (Banking, Insurance, and Capital May 20, 2025
Market) Sector Standard: Exposure Drafts.
Memutus Mata Rantai Scam: Sinergi dan Strategi
Perlindungan Konsumen Sektor Keuangan. 26 Juni 2025
OJK Online
Breaking the Scam Chain: Synergy and Consumer June 26, 2025
Protection Strategies in the Financial Sector.
Mid Year Capital Market Review 2025: Evaluasi Kinerja
Pasar dan Strategi Investasi ke Depan. 7 Agustus 2025
OJK Online
Mid-Year Capital Market Review 2025: Evaluation of August 7, 2025
Market Performance and Future Investment Strategies.
Diskusi Publikasi, Pelaporan, dan Penetapan Suku Bunga
Dasar Kredit dan Suku Bunga Kredit pada Perbankan.
2 September 2025
Discussion on Publication, Reporting, and Determination OJK Online
September 2, 2025
of the Prime Lending Rate and Credit Interest Rate in
Banking.
Rian Abdi Kepala Divisi Credit Transforming Credit Quality: From Review to Strategic
Gunawan Review Action Training Program 2025. 20 Desember 2025
Internal December 20, Inhouse
Head of Credit Review Transforming Credit Quality: From Review to Strategic 2025
Division Action Training Program 2025.
Sistya Kepala Divisi Sosialisasi Tata Cara Pelaporan dan Publikasi Suku Bunga
Rachmawati Kepatuhan Dasar Kredit sesuai POJK Nomor 13 Tahun 2024.
14 Januari 2025
Head of Compliance Dissemination of Procedures for Reporting and Publication OJK Hybrid
January 14, 2025
Division of the Prime Lending Rate in accordance with POJK
Number 13 of 2024.
Sosialisasi Aplikasi Pelaporan Online OJK APOLO “Modul
Laporan Isidental Perbankan (BU, BUS, & UUS)”. 16 Januari 2025
OJK Public
Dissemination of OJK Online Reporting Application (APOLO) January 16, 2025
“Banking Incidental Report Module (BU, BUS, & UUS)”.
Sosialisasi ESG Reporting. 22 Januari 2025
BEI Hybrid
Dissemination of ESG Reporting. January 22, 2025
Diskusi Penyempurnaan Mekanisme Kerja IASC dan
Sosialisasi KASPI Fraud dari OJK. 30 Januari 2025
OJK Hybrid
Discussion on Improving IASC Work Mechanisms and January 30, 2025
Dissemination of OJK KASPI Fraud.
Sosialisasi POJK Nomor 45 Tahun 2024 tentang
Pengembangan dan Penguatan Emiten dan Perusahaan
Publik. 6 Februari 2025
OJK Hybrid
Dissemination of POJK Number 45 of 2024 concerning February 6, 2025
Development and Strengthening of Issuers and Public
Companies.
Pembekalan Sertifikasi Manajemen Risiko Jenjang 4. 13 Februari 2025
Maisa Edukasi Public
Preparation for Risk Management Certification Level 4. February 13, 2025
Sosialisasi POJK Nomor 28 Tahun 2024 tentang
Pengelolaan Informasi Rekam Jejak Pelaku Melalui Sistem
Informasi Pelaku di Sektor Jasa Keuangan (SIPELAKU)
dan Mekanisme Penggunaan SIPELAKU. 24 Februari 2025
OJK Hybrid
Dissemination of POJK Number 28 of 2024 on Managing February 24, 2025
Actor Track Record Information through the Financial
Services Sector Actor Information System (SIPELAKU) and
the Mechanism for Using SIPELAKU.
Peran GRC dalam Meningkatkan Kepercayaan Investor
dan Stabilitas Sektor Keuangan. 25 Februari 2025
OJK Hybrid
Role of GRC in Boosting Investor Confidence and Financial February 25, 2025
Sector Stability.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Sistya Kepala Divisi Forum Penguatan Fungsi GRC: Penerapan Internal Control
Rachmawati Kepatuhan Over Financial Reporting (ICOFR) dalam rangka Penguatan
Head of Compliance Sektor Jasa Keuangan. 3 Maret 2025
OJK Public
Division GRC Function Strengthening Forum: Implementation March 3, 2025
of Internal Control Over Financial Reporting (ICOFR) to
Strengthen the Financial Services Sector.
Uji Sertifikasi Manajemen Risiko Jenjang 4. 4 Maret 2025
LSPP Public
Risk Management Certification Test Level 4. March 4, 2025
Sustainability Accounting and Reporting in
the Financial Services. 6 Maret 2025
OJK Public
Sustainability Accounting and Reporting in March 6, 2025
the Financial Services.
Penjelasan Inisiatif Mengenai Konsep IDX Green Equity
Designation. 21 Maret 2025
BEI Public
Explanation of Initiatives Regarding the IDX Green Equity March 21, 2025
Designation Concept.
Panduan Manajemen Risiko Iklim (Climate Risk
Management and Scenario Analysis atau CRMS). 17 April 2025
OJK Public
Guidelines of Climate Risk Management and Scenario April 17, 2025
Analysis (CRMS).
Sosialisasi Pedoman Akses Pelayanan Keuangan untuk
Disabilitas Berdaya (Pedoman SETARA).
23 April 2025
Dissemination of the Accessible Financial Services OJK Public
April 23, 2025
Guidelines for Persons with Disabilities (SETARA
Guidelines).
Sosialisasi SPRINT Modul Produk Bank Umum.
29 April 2025
Dissemination of SPRINT Module for Commercial Bank OJK Public
April 29, 2025
Products.
Peran Strategis Industri Jasa Keuangan dalam Mendorong
Pengembangan Ekonomi Daerah. 8 Mei 2025
OJK Public
Strategic Role of the Financial Services Industry in May 8, 2025
Promoting Regional Economic Development.
Sharing Informasi Mitigasi Risiko Operasional TI dan Siber
kepada PJP/PIP. 8 Mei 2025
OJK Public
Sharing Information on IT and Cyber Operational Risk May 8, 2025
Mitigation with PJP/PIP.
“Fighting Digital Fraud: Membangun Digital Trust Layanan
Perbankan Melalui Inovasi Identitas Digital” bersama Privy. 6 Agustus 2025
AFTECH Online
“Fighting Digital Fraud: Building Digital Trust in Banking August 6, 2025
Services through Digital Identity Innovation” with Privy.
Sosialisasi Ketentuan Perbankan. 14 Agustus 2025
OJK Online
Dissemination of Banking Regulations. August 14, 2025
Pembekalan Sertifikasi Manajemen Risiko Jenjang 5. 19 Agustus 2025
Efektif Pro Public
Preparation of Risk Management Certification Level 5. August 19, 2025
Dengar Pendapat RPOJK TKA dan Permohonan Penerusan
Surat kepada Perbankan. 20 Agustus 2025
OJK Online
Hearing on RPOJK TKA and Submission Request Letter to August 20, 2025
Banks.
Idea Talks OJK Institute Volume 7 Tahun 2025 “Credit
Scoring”. 21 Agustus 2025
OJK Public
August 21, 2025
Idea Talks OJK Institute Volume 7, 2025 – “Credit Scoring”.
Sosialisasi SEOJK Nomor 10 Tahun 2025. 28 Agustus 2025
OJK Online
Dissemination of SEOJK Number 10 of 2025. August 28, 2025
Sosialisasi POJK Nomor 14 Tahun 2025 – RUPS, RUPO,
dan RUPSu Secara Elektronik. 28 Agustus 2025
OJK Online
Dissemination of POJK Number 14 of 2025 – RUPS, RUPO, August 28, 2025
and RUPSu Electronically.
Sharing Informasi Mitigasi Risiko Operasional TI dan Siber
pada Periode Libur HBKN Awal September.
2 September 2025
Sharing Information on IT and Cyber Operational Risk BI Online
September 2, 2025
Mitigation during the HBKN Holiday Period in Early
September.
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Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Sistya Kepala Divisi Focus Group Discussion terkait RPOJK Pengelolaan
Rachmawati Kepatuhan Rekening Bank. 4 September 2025
OJK Online
Head of Compliance Focus Group Discussion on Draft OJK Regulation (RPOJK) September 4, 2025
Division on Bank Account Management.
Permintaan Tanggapan dan Undangan Rapat Dengar
Pendapat atas Rancangan SEOJK tentang Pelaporan Bank
Umum Konvensional Melalui Sistem Pelaporan Otoritas
Jasa Keuangan. 15 September 2025
OJK Online
Request for Feedback and Invitation to Hearing on Draft September 15, 2025
SEOJK Concerning Reporting of Conventional Commercial
Banks through the Financial Services Authority Reporting
System.
Pelaksanaan Uji Sertifikasi Manajemen Risiko Jenjang 5.
20 September 2025
Implementation of Risk Management Certification Level 5 BSMR Public
September 20, 2025
Exam.
IDX – UN SSE: Workshop on IFRS Sustainability Standards. 23 September 2025
BEI Online
IDX – UN SSE: Workshop on IFRS Sustainability Standards. September 23, 2025
Transformasi Generative AI: Peluang Generative Engine
Optimization (GEO) dalam Menggeser Dominasi Search
Engine Optimization (SEO). 25 September 2025
OJK Online
Generative AI Transformation: Opportunities for Generative September 25, 2025
Engine Optimization (GEO) in Shifting Search Engine
Optimization (SEO) Dominance.
IDXCarbon Virtual Open House Webinar: Road to COP 3. 29 September 2025
BEI Online
IDXCarbon Virtual Open House Webinar: Road to COP 3. September 29, 2025
Sharing Informasi Keamanan dan Keandalan Sistem
Pembayaran. 1 Oktober 2025.
BI Public
Sharing Information on Payment System Security and October 1, 2025
Reliability.
Evaluasi Layanan Bank Indonesia Fast Payment (BI-FAST)
Tahun 2025. 1 Oktober 2025
BI Public
Evaluation of Bank Indonesia Fast Payment October 1, 2025
(BI-Fast) Services in 2025.
Peran Digital Forensik dalam Penanganan dan
Pengungkapan Kejahatan Keuangan. 16 Oktober 2025
OJK Public
Role of Digital Forensics in Handling and Disclosure of October 16, 2025
Financial Crimes.
LTKM Training. 18 Oktober 2025
PPATK Inhouse
LTKM Training. October 18, 2025
Komunikasi Awal PBI dan PADG Kebijakan Insentif
Likuiditas Makroprudensial (KLM). 29 Oktober 2025
BI Public
Initial Communication on PBI and PADG on Macroprudential October 29, 2025
Liquidity Incentive (KLM) Policy.
Komunikasi Awal Perubahan Peraturan KLM. 4 November 2025
BI Public
Initial Communication on Changes in KLM Regulation. November 4, 2025
Pembekalan Uji Sertifikasi Kepatuhan Jenjang 6. 7 November 2025
FKDKP Public
Preparation for Compliance Certification Level 6 Exam. November 7, 2025
Pelatihan ICOFR. 20 November 2025
IAI Public
ICOFR Training. November 20, 2025
Sosialisasi APOLO Modul Laporan Berkala Bank Umum
Konvensional (BUK), Bank Umum Syariah (BUS), dan Unit
Usaha Syariah (UUS). 24 November 2025
OJK Public
Dissemination of APOLO, Periodic Reporting Module for November 24, 2025
Conventional Commercial Banks (BUK), Sharia Commercial
Banks (BUS), and Sharia Business Units (UUS).
Sosialisasi POJK Nomor 24 Tahun 2025 – Rekening Bank
Umum. 28 November 2025
OJK Public
Dissemination of POJK Number 24 of 2025 – Commercial November 28, 2025
Bank Accounts.
Uji Sertifikasi Kepatuhan Jenjang 6. 9 Desember 2025
LSPP Public
Compliance Certification Test Level 6. December 9, 2025
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TATA KELOLA PERUSAHAAN
Corporate Governance
Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Sistya Kepala Divisi Sosialisasi Peraturan Bank Indonesia dan Peraturan
Rachmawati Kepatuhan Anggota Dewan Gubernur (PBI dan PADG). 15 Desember 2025
Head of Compliance Dissemination of Bank Indonesia Regulations and BI December 15, Public
Division Regulations of Board of Governors Members (PBI and 2025
PADG).
23 Desember 2025
Sosialisasi Sistem dan SPO IASC.
OJK December 23, Public
Dissemination of Systems and IASC SOP.
2025
Nadhya Kepala Divisi Bisnis 1 LTKM Training. 18 Oktober 2025
PPATK Inhouse
Atindria Head of Business LTKM Training. October 18, 2025
Division 1 Transforming Credit Quality: From Review to Strategic
Action Training Program 2025. 20 Desember 2025
Internal December 20, Inhouse
Transforming Credit Quality: From Review to Strategic 2025
Action Training Program 2025.
Sylvia Suryadi Kepala Divisi Bisnis 2
LTKM Training. 18 Oktober 2025
Head of Business PPATK Inhouse
LTKM Training. October 18, 2025
Division 2
Okky Widhi Kepala Divisi Bisnis 3 Level 4 Risk Management Refresher Program. 21 Mei 2025
Kovida Online
Yunarto Head of Business Level 4 Risk Management Refresher Program. May 21, 2025
Division 3 Pembekalan Sertifikasi Manajemen Risiko Jenjang 5. 20 Agustus 2025
Maisa Edukasi Online
Preparation for Risk Management Certification Level 5. August 20, 2025
LTKM Training. 18 Oktober 2025
PPATK Inhouse
LTKM Training. October 18, 2025
Uji Sertifikasi Manajemen Risiko Jenjang 5. 22 November 2025
BSMR Public
Risk Management Certification Test Level 5. November 22, 2025
Transforming Credit Quality: From Review to Strategic
Action Training Program 2025. 20 Desember 2025
Internal December 20, Inhouse
Transforming Credit Quality: From Review to Strategic
2025
Action Training Program 2025.
Oscar Kepala Divisi Bisnis 4 LTKM Training. 18 Oktober 2025
PPATK Inhouse
Suwarnadwipa Head of Business LTKM Training. October 18, 2025
Division 4 Transforming Credit Quality: From Review to Strategic
Action Training Program 2025. 20 Desember 2025
Internal December 20, Inhouse
Transforming Credit Quality: From Review to Strategic 2025
Action Training Program 2025.
Seong Hyeon LAM Division Head Pembekalan Risk Management Risiko Jenjang 4. 13-14 Maret 2025
Kovida Inhouse
Baek LAM Division Head Preparation for Risk Management Certification Level 4. March 13-14, 2025
Uji Sertifikasi Risk Management Risiko Jenjang 4. 16 April 2025
BSMR Public
Risk Management Certification Test Level 4. April 16, 2025
Yeni Liana Credit Review Refresher Jenjang 4 – Pemenuhan 2 UK, Credit Risk and
Department Head Operational Risk (Periode 22 April 2025). 22 April 2025
Kovida Inhouse
Credit Review Refresher Level 4 – Fulfillment of 2 Units of Competency, April 22, 2025
Department Head Credit Risk and Operational Risk (Period: April 22, 2025).
Aria Pratomo Credit Review Refresher Jenjang 4 – Pemenuhan 2 UK, Credit Risk and
Putra Department Head Operational Risk (Periode 22 April 2025). 23 Mei 2025
Kovida Inhouse
Credit Review Refresher Level 4 – Fulfillment of 2 Units of Competency, May 23, 2025
Department Head Credit Risk and Operational Risk (Period: April 22, 2025).
Transforming Credit Quality: From Review to Strategic
Action Training Program 2025. 20 Desember 2025
Internal December 20, Inhouse
Transforming Credit Quality: From Review to Strategic 2025
Action Training Program 2025.
Galih Pratama Credit Review
Putra Department Head
Credit Review Transforming Credit Quality: From Review to Strategic
Action Training Program 2025. 20 Desember 2025
Department Head Internal December 20, Inhouse
Transforming Credit Quality: From Review to Strategic 2025
Action Training Program 2025.
Floren Credit Review Transforming Credit Quality: From Review to Strategic
Department Head Action Training Program 2025. 20 Desember 2025
Internal December 20, Inhouse
Credit Review Transforming Credit Quality: From Review to Strategic 2025
Department Head Action Training Program 2025.
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Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko merupakan organ pendukung The Risk Management Committee is a supporting organ of
Direksi yang berperan dalam mengidentifikasi, mengevaluasi, the Board of Directors that plays a role in identifying, evaluating,
dan mengawasi berbagai risiko yang dihadapi OK BANK guna and monitoring various risks faced by OK BANK to ensure that
memastikan kegiatan operasional berjalan secara aman operational activities are carried out safely and under control.
dan terkendali. Komite Manajemen Risiko bertugas dalam The Risk Management Committee is responsible for reviewing
melakukan penelaahan terhadap efektivitas strategi mitigasi the effectiveness of risk mitigation strategies and ensuring
risiko serta memastikan penerapan kebijakan manajemen that risk management policies are consistently implemented
risiko dilaksanakan secara konsisten di seluruh unit kerja. across all business units. Through structured and continuous
Melalui pengawasan yang terstruktur dan berkelanjutan, oversight, the Risk Management Committee contributes to
Komite Manajemen Risiko berkontribusi dalam menjaga maintaining financial stability, strengthening operational
stabilitas keuangan, memperkuat ketahanan operasional, serta resilience, and supporting prudent, sustainability-oriented
mendukung pengambilan keputusan manajemen yang prudent management decision-making at OK BANK.
dan berorientasi pada keberlanjutan usaha OK BANK.
Piagam Komite Manajemen Risiko Risk Management Committee Charter
Komite Manajemen Risiko dalam menjalankan tugasnya In carrying out its duties, the Risk Management Committee
senantiasa berpedoman pada Kebijakan Komite Manajemen always refers to the Risk Management Committee Policy, which
Risiko yang mengatur secara jelas tugas, tanggung jawab, dan clearly regulates the duties, responsibilities, and authorities
wewenang Komite Manajemen Risiko, termasuk ketentuan lain of the Risk Management Committee, including other relevant
yang relevan dalam mendukung peran dan operasionalnya. provisions that support its role and operations.
Periode Jabatan Anggota Komite Manajemen Term of Office of the Risk Management
Risiko Committee Members
Periode jabatan anggota Komite Manajemen Risiko ditetapkan The term of office for Risk Management Committee members
selaras dengan masa jabatan Direksi, sebagaimana ditentukan is set in alignment with the term of office of the Board of
melalui keputusan RUPS. Directors, as determined by the GMS resolution.
Struktur dan Keanggotaan Komite Manajemen Structure and Membership of the Risk
Risiko Management Committee
Struktur dan keanggotaan Komite Manajemen Risiko tahun The Risk Management Committee’s structure and membership
2025 tidak mengalami perubahan sebagaimana komposisi yang in 2025 remained unchanged, in line with the composition
diatur dalam Internal Memo Nomor 009/IM-BOI/RMA/VI/2024 stipulated in Internal Memo Number 009/IM-BOI/RMA/VI/2024
tanggal 5 Juni 2024 tentang Komite Manajemen Risiko. Struktur dated June 5, 2024, on the Risk Management Committee.
dan keanggotaan Komite Manajemen Risiko diuraikan sebagai The structure and membership of the Risk Management
berikut: Committee are described as follows:
Anggota Tetap
Permanent Member
• Direktur Utama; • President Director;
• Wakil Direktur Utama; • Vice President Director;
• Direktur Kepatuhan; • Director of Compliance;
• Direktur Bisnis; • Director of Business;
• Direktur Kredit; • Director of Credit;
• Kepala Divisi Manajemen Risiko; • Risk Management Division Head;
• Kepala Divisi SKAI; • SKAI Division Head;
• Kepala Divisi Operasional; • Operations Division Head;
• Kepala Divisi Kepatuhan; serta • Compliance Division Head; and
• Kepala Divisi Loan Asset Management. • Loan Asset Management Division Head.
Anggota Undangan
Invited Member
Kepala Divisi atau pejabat pengganti terkait materi rapat yang dibahas. Head of Division or an appointed official relevant to the meeting materials
being discussed.
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Independensi Komite Manajemen Risiko Independence of the Risk Management Committee
Komite Manajemen Risiko senantiasa menjaga independensinya The Risk Management Committee consistently maintains its
dalam menjalankan setiap tugas dan tanggung jawabnya. Setiap independence in carrying out all its duties and responsibilities.
keputusan dan rekomendasi yang diberikan dilakukan secara Every decision and recommendation made is conducted
objektif, bebas dari pengaruh kepentingan pribadi maupun pihak objectively, free from personal interests or the influence of any
mana pun. Komitmen terhadap integritas ini menjadi dasar bagi party. This commitment to integrity forms the foundation for
Komite Manajemen Risiko untuk berperan secara profesional the Risk Management Committee to act professionally and
dan memastikan bahwa pelaksanaan fungsinya selalu sejalan ensures that the execution of its functions always aligns with
dengan prinsip tata kelola perusahaan yang baik. the principles of good corporate governance.
Tugas dan Tanggung Jawab Komite Manajemen Duties and Responsibilities of the Risk
Risiko Management Committee
Komite Manajemen Risiko memiliki tugas dan tanggung jawab The Risk Management Committee has the duties and
untuk membantu Direksi sebagaimana diuraikan berikut: responsibilities to assist the Board of Directors, which are
outlined as follows:
1. Penyusunan kebijakan Manajemen Risiko serta 1. Formulating Risk Management policies and any
perubahannya termasuk strategi Manajemen Risiko, tingkat amendments, including Risk Management strategies,
risiko yang diambil (risk appetite) dan toleransi, toleransi risk appetite and tolerance levels, Risk Management
risiko (risk tolerance), kerangka Manajemen Risiko serta framework, and contingency plans to anticipate abnormal
rencana kontinjensi untuk mengantisipasi terjadinya kondisi conditions;
tidak normal;
2. Penyempurnaan proses Manajemen Risiko secara 2. Improving the Risk Management process periodically or
berkala maupun bersifat insidentil sebagai akibat dari incidentally due to changes in the Bank’s external and
suatu perubahan kondisi eksternal dan internal Bank internal conditions that affect capital adequacy, the Bank’s
yang memengaruhi kecukupan permodalan, profil risiko risk profile, or the ineffectiveness of Risk Management
Bank dan tidak efektifnya penerapan Manajemen Risiko implementation based on evaluation results;
berdasarkan hasil evaluasi;
3. Penetapan kebijakan dan/atau keputusan bisnis yang 3. Determination of policies and/or business decisions
menyimpang dari prosedur normal, seperti pelampauan that deviate from normal procedures, such as significant
ekspansi usaha yang signifikan dibandingkan dengan business expansion exceeding the previously determined
RBB yang telah ditetapkan sebelumnya atau pengambilan RBB or taking positions or risk exposures exceeding
posisi atau eksposur risiko yang melampaui limit yang the established limits; and
telah ditetapkan; serta
4. Pengembangan infrastruktur dan budaya Manajemen Risiko. 4. Developing Risk Management infrastructure and culture.
Pelaksanaan Tugas Komite Manajemen Risiko Implementation of the Risk Management
Committee’ Duties
Sepanjang tahun 2025, Komite Manajemen Risiko telah Throughout 2025, the Risk Management Committee carried out
melaksanakan berbagai tugas yang diuraikan sebagai berikut: various tasks, which are outlined as follows:
1. Komite Manajemen Risiko memberikan persetujuan 1. The Risk Management Committee approves the Risk
laporan Profil Risiko; Profile reports;
2. Melakukan pemantauan limit-limit yang ditetapkan, juga 2. Monitoring the established limits and reviewing limits that
melakukan kajian terhadap limit yang dibutuhkan perubahan; may require adjustments;
3. Menjadi wadah diseminasi peraturan baru yang dilakukan 3. Serving as a channel for disseminating new regulations
oleh Divisi Compliance; serta issued by the Compliance Division; and
4. Pengembangan infrastruktur dan budaya manajemen 4. Developing risk management infrastructure and culture,
risiko termasuk kesadaran risiko pada seluruh jenjang including fostering risk awareness across all levels of
organisasi. the organization.
Rapat Komite Manajemen Risiko Risk Management Committee’s Meeting
Komite Manajemen Risiko dapat menyelenggarakan rapat The Risk Management Committee may hold meetings at least
setidaknya 1 (satu) kali dalam 1 (satu) bulan, atau di waktu once a month or at other designated times. Throughout 2025,
lain yang telah ditentukan. Sepanjang tahun 2025, Komite the Risk Management Committee held several meetings, which
Manajemen Risiko telah menyelenggarakan beberapa kali are described as follows:
rapat yang diuraikan sebagai berikut:
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Rapat tanggal 24 Januari 2025 dengan agenda: Meetings on January 24, 2025, with the agenda:
1. Laporan pemantauan risiko periode Desember 2024; 1. Risk monitoring report for December 2024;
2. Laporan profil risiko triwulan IV/2024; serta 2. Risk profile report for quarter 4/2024; and
3. Limit dan exposure bulan Desember 2024. 3. Limits and exposures for December 2024.
Rapat tanggal 26 Februari 2025 dengan agenda: Meetings on February 26, 2025, with the agenda:
1. Laporan pemantauan risiko periode Januari 2025; serta 1. Risk monitoring report for January 2025; and
2. Limit dan exposure bulan Januari 2025. 2. Limits and exposures for January 2025.
Rapat tanggal 26 Maret 2025 dengan agenda: Meetings on March 26, 2025, with the agenda:
1. Laporan pemantauan risiko periode bulan Februari 2025; 1. Risk monitoring report for February 2025; and
serta
2. Limit dan exposure bulan Februari 2025. 2. Limits and exposures for February 2025.
Rapat tanggal 25 April 2025 dengan agenda: Meetings on April 25, 2025, with the agenda:
1. Laporan pemantauan risiko periode bulan Maret 2025; 1. Risk monitoring report for March 2025;
2. Laporan profil risiko triwulan I/2025; serta 2. Risk profile report for quarter 1/2025; and
3. Limit dan exposure bulan Maret 2025. 3. Limits and exposures for March 2025.
Rapat tanggal 27 Mei 2025 dengan agenda: Meetings on May 27, 2025, with the agenda:
1. Laporan pemantauan risiko periode April 2025; serta 1. Risk monitoring report for April 2025; and
2. Limit dan exposure bulan April 2025. 2. Limits and exposures for April 2025.
Rapat tanggal 30 Juni 2025 dengan agenda: Meetings on June 30, 2025, with the agenda:
1. Laporan pemantauan risiko periode Mei 2025; 1. Risk monitoring report for May 2025;
2. Limit dan exposure bulan Mei 2025; serta 2. Limits and exposures for May 2025; and
3. Persetujuan penyesuaian limit distribusi segmen korporasi. 3. Approval of adjustments to corporate segment distribution
limits.
Rapat tanggal 29 Juli 2025 dengan agenda: Meetings on July 29, 2025, with the agenda:
1. Laporan pemantauan risiko periode Juni 2025; 1. Risk monitoring report for June 2025;
2. Laporan profil risiko triwulan II/2025; serta 2. Risk profile report for quarter 2/2025; and
3. Limit dan exposure bulan Juni 2025. 3. Limits and exposures for June 2025.
Rapat tanggal 22 Agustus 2025 dengan agenda: Meetings on August 22, 2025, with the agenda:
1. Laporan pemantauan risiko periode Juli 2025; serta 1. Risk monitoring report for July 2025; and
2. Limit dan exposure bulan Juli 2025. 2. Limits and exposures for July 2025.
Rapat tanggal 24 September 2025 dengan agenda: Meetings on September 24, 2025, with the agenda:
1. Laporan pemantauan risiko periode Agustus 2025; serta 1. Risk monitoring report for August 2025; and
2. Limit dan exposure bulan Agustus 2025. 2. Limits and exposures for August 2025.
Rapat tanggal 24 Oktober 2025 dengan agenda: Meetings on October 24, 2025, with the agenda:
1. Laporan pemantauan risiko periode September 2025; 1. Risk monitoring report for September 2025;
2. Laporan profil risiko triwulan III/2025; serta 2. Risk profile report for quarter 3/2025; and
3. Limit dan exposure bulan September 2025. 3. Limits and exposures for September 2025.
Rapat tanggal 24 November 2025 dengan agenda: Meetings on November 24, 2025, with the agenda:
1. Laporan pemantauan risiko periode Oktober 2025; 1. Risk monitoring report for October 2025;
2. Limit dan exposure bulan Oktober 2025; serta 2. Limits and exposures for October 2025; and
3. Penyesuaian pada sistem Bank dan terms and conditions 3. Adjustments to the Bank’s systems and terms and
pembukaan rekening. conditions for account opening.
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Rapat tanggal 30 Desember 2025 dengan agenda: Meetings on December 30, 2025, with the agenda:
1. Laporan pemantauan risiko periode November 2025; 1. Risk monitoring report for November 2025;
2. Limit dan exposure bulan November 2025; serta 2. Limits and exposures for November 2025; and
3. Review pada segmen kredit SME untuk kualitas kredit dan 3. Review of the SME credit segment for credit quality and
CKPN. CKPN.
Program Pengembangan Kompetensi Komite Competency Development Program of
Manajemen Risiko the Risk Management Committee
Program pengembangan kompetensi Komite Manajemen Risiko The Risk Management Committee’s competency development
dilaksanakan sebagai upaya berkelanjutan untuk memastikan program is carried out as an ongoing effort to ensure that each
setiap anggota memiliki pengetahuan, keterampilan, dan member possesses knowledge, skills, and insights relevant to
wawasan yang relevan dengan kebutuhan Bank. Melalui berbagai the Bank’s needs. Through various forms of training, workshops,
bentuk pelatihan, workshop, maupun kegiatan peningkatan and other capacity-building activities, this program is designed
kapasitas lainnya, program ini dirancang untuk memperkuat to strengthen the committee’s analytical skills, understanding
kemampuan analitis, pemahaman terhadap kebijakan internal, of internal policies, and professional competencies. Information
dan kompetensi profesional komite. Informasi mengenai regarding the competency development programs attended
program pengembangan kompetensi yang diikuti oleh Kang by Kang Bong Joo as President Director, Hendra Lie as Vice
Bong Joo selaku Direktur Utama, Hendra Lie selaku Wakil President Director, Vincentia M. Djuniwati Wijaya as Director
Direktur Utama, Vincentia M. Djuniwati Wijaya selaku Direktur of Business, Efdinal Alamsyah as Director of Compliance,
Bisnis, Efdinal Alamsyah selaku Direktur Kepatuhan, dan Jong and Jong Ha Lee as Director of Credit has been disclosed in
Ha Lee selaku Direktur Kredit telah diungkapkan pada bagian Competency Development Program of the Board of Directors
Program Pengembangan Kompetensi Direksi. Sedangkan, section. Meanwhile, the competency development programs
program pengembangan kompetensi yang diikuti oleh Sistya attended by Sistya Rachmawati as Head of Compliance
Rachmawati selaku Kepala Divisi Kepatuhan, Seong Hyeon Division and Seong Hyeon Baik as LAM Division Head have
Baik selaku LAM Division Head telah diungkapkan pada bagian been disclosed in the Competency Development Program of
Program Pengembangan Kompetensi Komite Kredit, serta Credit Committee section, and those attended by Murniasih
Murniasih selaku Kepala Divisi SKAI telah diungkapkan pada as Head of SKAI Division have been disclosed in the Internal
bagian Pelatihan Kepala Satuan Kerja Audit Internal. Selain itu, Audit Unit Heads Training section. In addition, the competency
program pengembangan kompetensi yang diikuti oleh anggota development programs attended by other members of the
Komite Manajemen Risiko lainnya sepanjang tahun 2025 Risk Management Committee throughout 2025 are outlined as
diuraikan sebagai berikut: follows:
Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Jefitra Kepala Divisi Risk Seminar Infobank Banking Connect 2025.
Infobank
25 Februari 2025
Online
Management Seminar on Infobank Banking Connect 2025. February 25, 2025
Head of Risk Peran Penting Penyusunan dan Implementasi Contingency
Management Division Plan (Recovery & Resolution Plan) sebagai Langkah Mitigasi
Risiko untuk Menghadapi Dampak Kondisi Ketidakpastian
di Tengah Tingginya Dinamika Perekonomian dan Volatilitas
Pasar Keuangan terhadap Kinerja Perusahaan. 23 Juli 2025
BaRa Public
The Important Role of Preparing and Implementing a July 23, 2025
Contingency Plan (Recovery & Resolution Plan) as a Risk
Mitigation Step to Address the Impact of Uncertainty Amid
High Economic Dynamics and Financial Market Volatility on
Corporate Performance.
Bijak Mengelola Risiko, Cerdas Mengambil Keputusan. 3 Oktober 2025
One Point Public
Managing Risks Wisely, Making Decisions Smartly. October 3, 2025
Jefitra Kepala Divisi Risk Risk Appetite and Risk Culture: Pilar Utama dalam
Management Penguatan Manajemen Risiko di Sektor Keuangan
Confirmation. 9 Oktober 2025
Head of Risk OJK Online
October 9, 2025
Management Division. Risk Appetite and Risk Culture: Main Pillars in Strengthening
Risk Management in the Financial Sector Confirmation.
Kegiatan Tahunan Workshop ISO 27001:2022 Tahun 2025. 20 Oktober 2025
Skypro Public
Annual ISO 27001:2022 Workshop Activities, 2025. October 20, 2025
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Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Nining Kepala Divisi Operation Diskusi Penyempurnaan Mekanisme Kerja IASC dan
Head of Operations Sosialisasi KASPI Fraud dari OJK. 30-31 Januari 2025
Kieswati
Division OJK January 30-31, Online
Discussion on Refining the IASC Workflow and 2025
Dissemination of KASPI Fraud by OJK.
Pelatihan SPPUR Jenjang 6 “Pembekalan”
Sub-Bidang Pemrosesan Transaksi Pembayaran (PTP). 13 Maret 2025
Praveena Public
Training of SPPUR Level 6 “Preparation” for March 13, 2025
Sub-Division of Payment Transaction Processing (PTP).
Mitigasi dan Tindak Lanjut terhadap Keamanan BI-FAST
terhadap Risiko Fraud. 29 Maret 2025
BI Public
Mitigation and Follow-up on BI-FAST Security Against March 29, 2025
Fraud Risks.
Refreshment SPPUR Jenjang 6 Sub-Bidang Pengelolaan
Uang Tunai (PUT). 11 Juni 2025
LSP SPI Public
Refreshment of SPPUR Level 6 for Sub-Division of Cash June 11, 2025
Management (PUT).
Pelaksanaan Uji Sertifikasi SPPUR J6 Sub-Bidang
Pemrosesan Transaksi Pembayaran (PTP). 11 Juni 2025
LSP SPI Public
Implementation of SPPUR J6 Certification Exam for Sub- June 11, 2025
Division of Payment Transaction Processing (PTP).
Pembekalan Sertifikasi Sistem Pembayaran Jenjang 6 Sub-
Bidang Settlement Transaksi Treasuri (STT). 26 Agustus 2025
Praveena Public
Preparation of Payment System Certification Level 6 for Sub- August 26, 2025
Division of Treasury Transaction Settlement (STT).
LTKM Training. 18 Oktober 2025
PPATK Inhouse
LTKM Training. October 18, 2025
Kesiapan SP FMI BI NATARU 2025. 19 Desember 2025
BI Public
Readiness of SP FMI BI NATARU 2025. December 19, 2025
SK SP Pemeliharaan Jenjang 6 Sub-Bidang PTD. 22 Desember 2025
LSP SPI Public
SK SP Maintenance Level 6 for Sub-Division of PTD. December 22, 2025
Komite Pengarah TI IT Steering Committee
Komite Pengarah TI merupakan organ pendukung Direksi The IT Steering Committee is a supporting organ of the Board
yang berperan dalam mengarahkan dan mengawasi strategi of Directors that plays a role in directing and overseeing
teknologi informasi agar selaras dengan tujuan bisnis information technology strategies to ensure alignment with
serta kebutuhan operasional OK BANK. Komite Pengarah TI OK BANK’s business objectives and operational needs. The IT
melakukan penelaahan terhadap berbagai inisiatif teknologi Steering Committee reviews various information technology
informasi, menilai efektivitas dan keandalan sistem, serta initiatives, evaluates the effectiveness and reliability of systems,
memastikan bahwa implementasi teknologi dilaksanakan and ensures that technology implementation is carried out
secara aman, efisien, dan sesuai dengan kebijakan yang berlaku. securely, efficiently, and in accordance with applicable policies.
Melalui pengawasan yang terstruktur dan berkelanjutan, Komite Through structured and continuous oversight, the IT Steering
Pengarah TI berkontribusi dalam mengoptimalkan pemanfaatan Committee contributes to optimizing technology utilization,
teknologi, mendorong inovasi digital, serta memperkuat driving digital innovation, and strengthening system resilience
ketahanan sistem dan keamanan data. and data security.
Piagam Komite Pengarah TI IT Steering Committee Charter
Komite Pengarah TI dalam menjalankan tugasnya senantiasa In carrying out its duties, the IT Steering Committee consistently
berpedoman pada Kebijakan Komite Pengarah TI yang refers to the IT Steering Committee Policy, which clearly regulates
mengatur secara jelas tugas, tanggung jawab, dan wewenang the Committee’s tasks, responsibilities, and authorities of
Komite Pengarah TI, termasuk ketentuan lain yang relevan the IT Steering Committee, including other relevant provisions
dalam mendukung peran dan operasionalnya. that support its role and operations.
Periode Jabatan Anggota Komite Pengarah TI Term of Office of IT Steering Committee Members
Periode jabatan anggota Komite Pengarah TI ditetapkan The term of office for members of the IT Steering Committee
selaras dengan masa jabatan Direksi, sebagaimana ditentukan is set in alignment with the term of office of the Board of
melalui keputusan RUPS. Directors, as determined by the resolution of the GMS.
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Struktur dan Keanggotaan Komite Pengarah TI Structure and Membership of the IT Steering
Committee
Struktur dan keanggotaan Komite Pengarah TI tahun 2025 The structure and membership of the IT Steering Committee
mengalami perubahan sebagaimana komposisi yang diatur in 2025 underwent changes as reflected in the composition
dalam Surat Keputusan Direksi Nomor 537/DIR/BOI/XII/2025 outlined in the Board of Directors’ Decision Letter
tanggal 5 Desember 2025 tentang Penetapan Ketua dan Number 537/DIR/BOI/XII/2025 dated December 5, 2025,
Anggota Komite Pengarah Teknologi Informasi. Struktur dan on the Appointment of the Chairman and Members of the IT
keanggotaan Komite Pengarah TI diuraikan sebagai berikut: Steering Committee. The structure and membership of the IT
Steering Committee are as follows:
Ketua
Chairperson
Direktur yang membawahi satuan kerja Teknologi Informasi. Director overseeing the Information Technology work unit.
Sekretaris
Secretary
Kepala Divisi IT Operation. IT Operation Division Head.
Anggota
Members
• Direktur yang membawahi satuan kerja Teknologi Informasi; • Director overseeing the Information Technology work unit;
• Direktur yang membawahi satuan kerja Manajemen Risiko; • Director overseeing the Risk Management work unit;
• Kepala Divisi IT Operation; dan • IT Operation Division Head; and
• Kepala Divisi IT Planning. • IT Planning Division Head.
Undangan
Invitation
Sesuai materi rapat. According to the meeting material.
Independensi Komite Pengarah TI Independence of the IT Steering Committee
Komite Pengarah TI senantiasa menjaga independensinya The IT Steering Committee consistently maintains
dalam menjalankan setiap tugas dan tanggung jawabnya. its independence in carrying out all of its duties and
Setiap keputusan dan rekomendasi yang diberikan dilakukan responsibilities. All decisions and recommendations are
secara objektif, bebas dari pengaruh kepentingan pribadi made objectively, free from personal or external interests. This
maupun pihak mana pun. Komitmen terhadap integritas ini commitment to integrity serves as the foundation for the IT
menjadi dasar bagi Komite Pengarah TI untuk berperan secara Steering Committee to act professionally and to ensure that the
profesional dan memastikan bahwa pelaksanaan fungsinya execution of its functions is always aligned with the principles
selalu sejalan dengan prinsip tata kelola perusahaan yang baik. of good corporate governance.
Tugas, Wewenang, dan Tanggung Jawab Komite Duties, Authorities, and Responsibilities of
Pengarah TI the IT Steering Committee
Komite Pengarah TI memiliki tugas, wewenang, dan tanggung The IT Steering Committee has the duties, authorities, and
jawab untuk membantu Direksi sebagaimana diuraikan berikut: responsibilities to assist the Board of Directors, as outlined below:
1. Menetapkan rencana strategis teknologi informasi yang 1. Establishing an information technology strategic
sesuai dengan strategis kegiatan usaha Bank dengan plan that aligns with the Bank’s business strategy by
memperhatikan faktor-faktor efisiensi dan efektivitas, considering efficiency and effectiveness factors, as well as
serta hal-hal berikut: the following aspects:
a. Peta jalan (roadmap) untuk mencapai kebutuhan TI yang a. A roadmap to achieve IT needs that support
mendukung strategi bisnis yang tertera pada visi dan misi the business strategy outlined in the Bank’s vision and
Bank, di mana roadmap terdiri dari kondisi saat ini, kondisi mission, where it consists of the current condition,
yang ingin dicapai, serta langkah-langkah ke depan yang the desired future condition, and the steps to be taken
akan dilakukan untuk mencapai sasaran tersebut; to achieve these goals;
b. Sumber daya yang dibutuhkan; b. The resources required;
c. Keuntungan/manfaat yang akan diperoleh saat c. The benefits to be gained upon implementation of
rencana diterapkan; dan the plan; and
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d. Kendala yang mungkin timbul dalam penerapan d. Potential challenges that may arise in the implementation
rencana strategis Bank. of the Bank’s strategic plan.
2. Merumuskan kebijakan, standar, dan prosedur TI; 2. Formulating IT policies, standards, and procedures;
3. Memastikan kesesuaian pelaksanaan proyek-proyek TI 3. Ensuring the implementation of approved IT projects is aligned
yang disetujui dengan rencana strategis TI. Komite juga with the IT strategic plan. The Committee is also responsible
menetapkan status prioritas proyek TI yang bersifat kritikal for determining the priority status of critical IT projects (those
(berdampak signifikan terhadap kegiatan operasional having significant impact on the Bank’s operational activities),
Bank) misalnya: pergantian core banking, server production, such as replacing the core banking system, upgrading
dan topologi jaringan; production servers, and redesigning network topology;
4. Memastikan kesesuaian pelaksanaan proyek-proyek TI 4. Ensuring the implementation of IT projects is in accordance
dengan rencana proyek yang disepakati dalam Service with the project plans agreed upon in the Service
Level Agreement (SLA); Level Agreement (SLA);
5. Memastikan kesesuaian TI dengan kebutuhan sistem 5. Ensuring the alignment of IT with the management
informasi manajemen yang mendukung pengelolaan information system needs that support the Bank’s
kegiatan usaha Bank; business activities;
6. Menetapkan langkah-langkah meminimalkan risiko atas 6. Establishing measures to minimize risks related to
investasi Bank pada sektor TI dan bahwa investasi tersebut the Bank’s IT investments and ensuring that such investments
memberikan kontribusi terhadap tercapainya tujuan contribute to achieving the Bank’s business objectives;
bisnis Bank;
7. Memantau kinerja TI dan upaya peningkatannya, misalnya 7. Monitoring IT performance and improvement efforts,
dengan mendeteksi keuangan TI, keamanan informasi, including monitoring IT budgeting, ensuring information
serta mengukur efektivitas dan efisiensi penerapan security, and measuring the effectiveness and efficiency of
kebijakan pengamanan TI; IT security policy implementation;
8. Memutuskan penyelesaian berbagai masalah terkait TI, 8. Deciding on the resolution of various IT-related issues that
yang tidak dapat diselesaikan oleh satuan kerja pengguna cannot be resolved by the user work units and IT service
dan satuan kerja penyelenggara; provider units;
9. Memastikan kecukupan dan alokasi sumber daya yang 9. Ensuring the adequacy and proper allocation of the Bank’s
dimiliki Bank. Dalam hal sumber daya yang dimiliki tidak resources. If there’s insufficient internal resources, and
memadai dan Bank akan menggunakan jasa pihak lain the Bank engages third-party services for IT operations,
dalam penyelenggaraan TI, Komite Pengarah TI harus the IT Steering Committee is responsible for ensuring
memastikan Bank telah memiliki kebijakan dan prosedur that the Bank has established the necessary policies and
yang dibutuhkan; serta procedures; and
10. Memberikan rekomendasi kepada Direksi paling sedikit 10. Providing recommendations to the Board of Directors at
terkait dengan: least regarding:
a. Rencana strategis TI yang sejalan dengan rencana a. The IT strategic plan that is aligned with the Bank’s
strategis kegiatan usaha Bank; business strategic plan;
b. Perumusan kebijakan, standar, dan prosedur Teknologi b. The formulation of information technology policies,
Informasi; standards, and procedures;
c. Kesesuaian antara proyek TI yang disetujui dengan c. The alignment between the approved IT projects and
Rencana Strategis TI; the IT Strategic Plan;
d. Kesesuaian antara pelaksanaan proyek TI dengan d. The alignment between the implementation of IT
rencana proyek yang disepakati (project charter); projects and the agreed project plan (project charter);
e. Kesesuaian antara TI dengan kebutuhan sistem e. The alignment between IT and the management
informasi manajemen serta kebutuhan kegiatan information system needs as well as the Bank’s
usaha Bank; business needs;
f. Efektivitas langkah-langkah dalam meminimalkan f. The effectiveness of measures to minimize risks related
risiko atas investasi Bank sektor TI agar investasi to the Bank’s IT investments so that such investments
Bank pada sektor TI memberikan kontribusi terhadap contribute to the achievement of the Bank’s business
pencapaian tujuan bisnis Bank; objectives;
g. Pemantauan atas kinerja TI dan upaya peningkatan g. The monitoring of IT performance and efforts to
kinerja TI; improve IT performance;
h. Upaya penyelesaian berbagai masalah terkait TI yang h. The resolution of various IT-related issues that cannot
tidak dapat diselesaikan oleh satuan kerja pengguna be effectively, efficiently, and timely resolved by the user
dan penyelenggara TI secara efektif, efisien dan tepat work units and IT provider units; and
waktu; serta
i. Kecukupan dan alokasi sumber daya yang dimiliki Bank. i. The adequacy and allocation of the Bank’s resources.
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Pelaksanaan Tugas Komite Pengarah TI Implementation of the IT Steering Committee’s
Duties
Pelaksanaan tugas Komite Pengarah TI pada tahun 2025 telah The IT Steering Committee carried out its duties in 2025
berjalan secara efektif dan sesuai dengan wewenang yang effectively and in accordance with its granted authorities.
dimiliki.
Rapat Komite Pengarah TI IT Steering Committee Meeting
Komite Pengarah TI dapat menyelenggarakan rapat setidaknya The IT Steering Committee may hold meetings at least once a
1 (satu) kali dalam 1 (satu) tahun, atau di waktu lain yang telah year, or at other times deemed necessary. Throughout 2025,
ditentukan. Sepanjang tahun 2025, Komite Pengarah TI telah the IT Steering Committee held several meetings, which are
menyelenggarakan beberapa kali rapat yang diuraikan sebagai detailed as follows:
berikut:
Rapat tanggal 29 April 2025 dengan agenda: Meeting on April 29, 2025, with the agenda:
1. New Mobile Banking dan Internet Banking; 1. New Mobile Banking and Internet Banking;
2. Penunjukan OK Data System sebagai provider jasa IT 2. Appointment of OK Data System as the IT security service
security; serta provider; and
3. Penambahan personel IT Operation untuk mendukung 3. Addition of IT Operation personnel to support BI-FAST
operasional BI-FAST 24/7. 24/7 operations.
Rapat tanggal 17 Juni 2025 dengan agenda: Meeting on June 17, 2025, with the agenda:
1. Penambahan personel IT Operation untuk mendukung 1. Addition of IT Operation personnel to support BI-FAST
operasional BI-FAST 24/7 (lanjutan dari rapat sebelumnya); 24/7 operations (follow-up from the previous meeting);
2. Evaluasi rencana pengembangan TI 2025 Semester 1; 2. Evaluation of the IT development plan for Semester 1 of
serta 2025; and
3. Revisi rencana pengembangan TI periode Juni. 3. Revision of the IT development plan for June.
Rapat tanggal 21 November 2025 dengan agenda: Meeting on November 21, 2025, with the agenda:
1. Realisasi rencana pengembangan TI 2025; 1. Realization of the IT development plan 2025;
2. Rencana pengembangan TI 2026; serta 2. IT development plan for 2026; and
3. Informasi infrastruktur TI. 3. IT infrastructure updates.
Program Pengembangan Kompetensi Komite Competency Development of the IT Steering
Pengarah TI Committee
Program pengembangan kompetensi Komite Pengarah TI The competency development program for the IT Steering
dilaksanakan sebagai upaya berkelanjutan untuk memastikan Committee is conducted as an ongoing effort to ensure that
setiap anggota memiliki pengetahuan, keterampilan, dan wawasan each member possesses the knowledge, skills, and insights
yang relevan dengan kebutuhan Bank. Melalui berbagai bentuk relevant to the Bank’s needs. Through various forms of
pelatihan, workshop, maupun kegiatan peningkatan kapasitas training, workshops, and other capacity-building activities,
lainnya, program ini dirancang untuk memperkuat kemampuan the program is designed to strengthen analytical capabilities,
analitis, pemahaman terhadap kebijakan internal, dan kompetensi understanding of internal policies, and the professional
profesional komite. Informasi mengenai program pengembangan competence of the committee. Information regarding the
kompetensi yang diikuti oleh Hendra Lie selaku Wakil Direktur competency development programs attended by Hendra Lie
Utama dan Efdinal Alamsyah selaku Direktur Kepatuhan telah as Vice President Director and Efdinal Alamsyah as Director
diungkapkan pada bagian Program Pengembangan Kompetensi of Compliance has been disclosed in the Competency
Direksi. Selain itu, program pengembangan kompetensi yang Development Program of Board of Directors section. Moreover,
diikuti oleh anggota Komite Pengarah TI lainnya sepanjang tahun the competency development programs attended by other
2025 diuraikan sebagai berikut: members of the IT Steering Committee throughout 2025 are
outlined as follows:
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Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Lim Siau Sien Kepala Divisi IT Operation Pemeliharaan Sertifikasi Manajemen Risiko Jenjang 5. 9 September 2025
Kovida Inhouse
Head of IT Operation Maintenance of Risk Management Certification Level 5. September 9, 2025
Division
19 Desember 2025
Kesiapan SP FMI BI NATARU 2025.
BI December 19, Public
Preparation for SP FMI BI NATARU 2025.
2025
Park Dong Won Kepala Divisi IT Planning 9 September 2025
Pemeliharaan Sertifikasi Manajemen Risiko Jenjang 5.
Head of IT Planning Division Kovida September 9, Inhouse
Maintenance of Risk Management Certification Level 5.
2025
Assets and Liability Committee (ALCO) Assets and Liability Committee (ALCO)
ALCO merupakan komite di bawah Direksi yang berperan dalam ALCO is a committee under the Board of Directors that plays
mengelola keseimbangan antara aset dan liabilitas Bank guna a role in managing the balance between the Bank’s assets
menjaga likuiditas, profitabilitas, dan stabilitas keuangan and liabilities to maintain OK BANK’s liquidity, profitability,
OK BANK. ALCO melakukan penelaahan atas strategi pendanaan, and financial stability. ALCO reviews funding strategies,
pengelolaan risiko suku bunga, serta kecukupan permodalan interest rate risk management, and capital adequacy to
untuk memastikan bahwa keputusan investasi dan pembiayaan ensure that investment and financing decisions are aligned
selaras dengan profil risiko dan tujuan jangka panjang OK BANK. with OK BANK’s risk profile and long-term objectives.
Melalui pengawasan yang terstruktur dan berkesinambungan, Through structured and continuous oversight, ALCO supports
ALCO mendukung optimalisasi kinerja keuangan serta the optimization of financial performance and provides
menyediakan dasar pengambilan keputusan yang prudent dan a basis for prudent and measured decision-making. This role
terukur. Peran tersebut menjadi bagian penting dalam menjaga is a key part of maintaining the Bank’s financial resilience
ketahanan keuangan Bank dan mendukung keberlanjutan usaha and supporting business sustainability amid the dynamics of
di tengah dinamika industri perbankan. the banking industry.
Piagam ALCO ALCO Charter
ALCO dalam menjalankan tugasnya senantiasa berpedoman pada In carrying out its duties, ALCO always refers to Board of
Surat Keputusan Direksi Nomor 408A/KEP/DIR/BOI/VIII/2023 Directors’ Decision Letter Number 408A/KEP/DIR/BOI/VIII/2023,
yang mengatur secara jelas tugas, tanggung jawab, dan which clearly regulates ALCO’s duties, responsibilities, and
wewenang ALCO, termasuk ketentuan lain yang relevan dalam authorities, including other relevant provisions that support its
mendukung peran dan operasionalnya. role and operations.
Periode Jabatan Anggota ALCO Term of Office of ALCO Members
Periode jabatan anggota ALCO ditetapkan selaras dengan masa The term of office for ALCO members is set in alignment with
jabatan Direksi, sebagaimana ditentukan melalui keputusan the term of office of the Board of Directors, as determined by
RUPS. the GMS resolution.
Struktur dan Keanggotaan ALCO Structure and Membership of ALCO
Struktur dan keanggotaan ALCO tahun 2025 tidak mengalami ALCO’s structure and membership in 2025 remained unchanged,
perubahan sebagaimana komposisi yang diatur dalam Surat in accordance with the composition stipulated in the Board of
Keputusan Direksi Nomor 408A/KEP/DIR/BOI/VIII/2023 Directors’ Decision Letter Number 408A/KEP/DIR/BOI/VIII/2023
tanggal 3 Agustus 2023 tentang Perubahan Susunan Direksi dated August 3, 2023, on Changes to the Board of Directors
dan Penambahan Keanggotaan Komite ALCO. Struktur dan and Addition of ALCO Committee Members. The structure and
keanggotaan ALCO diuraikan sebagai berikut: membership of ALCO are described as follows:
Ketua
Chairperson
Direktur Utama (merangkap anggota). President Director (concurrently member).
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Sekretaris
Secretary
Treasuri. Treasury.
Anggota
Members
• Wakil Direktur Utama; • Vice President Director;
• Direktur Kredit dan IT; • Director of Credit and IT;
• Direktur Bisnis; dan • Director of Business; and
• Kepala Divisi Finance. • Finance Division Head.
Observer
• Direktur Kepatuhan; • Director of Compliance;
• Kepala Divisi Risk Management; • Risk Management Division Head;
• Kepala Divisi Satuan Kerja Audit Internal; • Internal Audit Unit Division Head;
• Kepala Divisi Corporate Planning; • Corporate Planning Division Head;
• Kepala Divisi Funding; dan • Funding Division Head; and
• Kepala Divisi Bisnis. • Business Division.
Catatan / Note:
Observer tidak memiliki hak suara dalam Komite ALCO. / Observers do not have voting rights on the ALCO Committee.
Independensi ALCO Independence of ALCO
ALCO senantiasa menjaga independensinya dalam menjalankan ALCO consistently maintains its independence in carrying out all its
setiap tugas dan tanggung jawabnya. Setiap keputusan dan duties and responsibilities. Every decision and recommendation
rekomendasi yang diberikan dilakukan secara objektif, bebas dari made is conducted objectively, free from personal interests or the
pengaruh kepentingan pribadi maupun pihak mana pun. Komitmen influence of any party. This commitment to integrity forms the
terhadap integritas ini menjadi dasar bagi ALCO untuk berperan foundation for ALCO to act professionally and ensures that the
secara profesional dan memastikan bahwa pelaksanaan fungsinya execution of its functions always aligns with the principles of good
selalu sejalan dengan prinsip tata kelola perusahaan yang baik. corporate governance.
Tugas dan Tanggung Jawab ALCO Duties and Responsibilities of ALCO
ALCO memiliki tugas dan tanggung jawab untuk membantu ALCO has the duties and responsibilities to assist the Board of
Direksi sebagaimana diuraikan berikut: Directors, which are outlined as follows:
1. Menetapkan kebijakan dan strategi pengelolaan likuiditas 1. Establishing liquidity management policies and strategies
untuk mencukupi kebutuhan likuiditas Bank dan to meet the Bank’s liquidity needs and minimize idle funds;
meminimalkan idle funds;
2. Menetapkan kebijakan dan strategi yang berkaitan dengan 2. Establishing policies and strategies related to market
risiko pasar, strategi harga serta strategi dalam penataan risk, pricing strategies, as well as strategies for managing
portofolio investasi dan strategi penataan struktur neraca the investment portfolio and structuring the balance sheet
melalui antisipasi perubahan suku bunga sehingga by anticipating interest rate changes in order to achieve
dapat dicapai tingkat margin bunga bersih (Net Interest an optimal Net Interest Margin (NIM); and
Margin - NIM) yang optimal; serta
3. Melaporkan realisasi kerjanya melalui rapat rutin dan rapat 3. Reporting its work realization through regular meetings
khusus yang diadakan untuk membahas hal tertentu. and special meetings held to discuss specific matters.
Wewenang ALCO ALCO Authority
Selain tugas dan tanggung jawab, ALCO juga memiliki In addition to duties and responsibilities, ALCO also has
wewenang yang diuraikan sebagai berikut: authorities which outlined as follows:
1. Menetapkan suku bunga deposito, tabungan, dan giro; 1. Determining interest rates for deposits, savings, and
current accounts;
2. Menetapkan suku bunga pinjaman; 2. Determining lending interest rates;
3. Menetapkan strategi pendanaan dan investasi; serta 3. Determining funding and investment strategies; and
4. Menetapkan limit yang berkaitan dengan risiko likuiditas, 4. Determining limits related to liquidity risk, interest rate risk,
risiko suku bunga dan sesuai kebijakan pengambilan risiko and overall risk-taking policies.
secara keseluruhan.
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Pelaksanaan Tugas ALCO Implementation of ALCO Duties
Sepanjang tahun 2025, ALCO melaksanakan tugas dan tanggung Throughout 2025, ALCO consistently carried out its duties and
jawabnya secara konsisten dalam mendukung pengelolaan responsibilities in supporting the management of the Bank’s
aset dan liabilitas Bank. Pelaksanaan tugas tersebut difokuskan assets and liabilities. These activities focused on establishing
pada penetapan dan evaluasi kebijakan suku bunga serta and evaluating interest rate policies and managing funding
pengelolaan produk pendanaan guna menjaga keseimbangan products to maintain a balance between liquidity, profitability,
antara likuiditas, profitabilitas, dan stabilitas keuangan and OK BANK’s financial stability. The activities carried out by
OK BANK. Adapun kegiatan yang dilaksanakan oleh ALCO ALCO during 2025 included:
selama tahun 2025 meliputi:
1. Menetapkan dan mengevaluasi perubahan suku bunga 1. Establishing and evaluating changes to deposit interest
deposito; rates;
2. Menetapkan dan mengevaluasi perubahan Suku Bunga 2. Establishing and evaluating changes to the Prime Lending
Dasar Kredit (SBDK); Rate (SBDK);
3. Menetapkan dan mengevaluasi perubahan ketentuan untuk 3. Establishing and evaluating changes to the terms for
produk Rekening antar Kantor (RAK); serta Inter-Office Account (RAK) products; and
4. Menetapkan dan mengevaluasi perubahan suku bunga 4. Establishing and evaluating changes to deposit interest
deposito melalui kanal elektronik (e-channel). rates through electronic channels (e-channel).
Rapat ALCO ALCO Meeting
ALCO dapat menyelenggarakan rapat setidaknya 1 (satu) kali ALCO may hold meetings at least once a month or at other
dalam 1 (satu) bulan, atau di waktu lain yang telah ditentukan. designated times. Throughout 2025, ALCO held 12 (twelve)
Sepanjang tahun 2025, ALCO telah menyelenggarakan meetings.
12 (dua belas) kali rapat.
Pokok bahasan pada saat diselenggarakan rapat ALCO meliputi: The main topics discussed during ALCO meetings included:
1. Kondisi pasar terakhir; 1. Latest market conditions;
2. Pemantauan atas Keputusan ALCO sebelumnya; 2. Monitoring of previous ALCO decisions;
3. Kaji ulang deviasi antara hasil aktual dengan proyeksi 3. Review of deviations between actual results and budget
anggaran dan RBB; serta projections and the RBB; and
4. Penyampaian informasi kepada Direksi mengenai setiap 4. Providing the Board of Directors with updates on any
perkembangan ketentuan dan peraturan terkait yang regulatory developments and provisions affecting ALMA
memengaruhi strategi dan kebijakan ALMA. strategies and policies.
Selain itu, dalam menjalankan tugasnya, ALCO juga diwajibkan Moreover, in carrying out its duties, ALCO is also required to
untuk melakukan pembahasan dan pengambilan keputusan terkait: discuss and make decisions regarding:
1. Risiko Likuiditas 1. Liquidity Risk
a. Memastikan kegiatan usaha Bank sesuai dengan a. Ensuring the Bank’s business activities are aligned
struktur neraca, termasuk besarnya modal; with its balance sheet structure, including the amount
of capital;
b. Memastikan bahwa risiko likuiditas yang melekat dalam b. Ensuring that liquidity risks inherent in the payment
sistem pembayaran dievaluasi, diukur, dan dikelola; serta system are evaluated, measured, and managed; and
c. Memastikan terpenuhinya aspek kepatuhan atas c. Ensuring compliance with all requirements set by
seluruh persyaratan yang ditetapkan oleh Bank Bank Indonesia, other relevant regulators, the Bank’s
Indonesia, regulator terkait lainnya, kebijakan Bank dan policies, and other internal procedures.
prosedur internal lainnya.
2. Risiko Pasar 2. Market Risk
a. Meninjau dampak kondisi pasar terhadap kinerja Bank; a. Reviewing the impact of market conditions on
serta the Bank’s performance; and
b. Memastikan terpenuhinya aspek kepatuhan terhadap b. Ensuring compliance with the requirements set by
persyaratan yang ditetapkan oleh Bank Indonesia dan Bank Indonesia and other relevant regulators.
regulator terkait lainnya.
Program Pengembangan Kompetensi ALCO Competency Development Program of ALCO
Program pengembangan kompetensi ALCO dilaksanakan sebagai The competency development program of ALCO is carried out
upaya berkelanjutan untuk memastikan setiap anggota memiliki as an ongoing effort to ensure that each member possesses
pengetahuan, keterampilan, dan wawasan yang relevan dengan knowledge, skills, and insights relevant to the Bank’s needs.
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kebutuhan Bank. Melalui berbagai bentuk pelatihan, workshop, Through various forms of training, workshops, and other
maupun kegiatan peningkatan kapasitas lainnya, program ini capacity-building activities, this program is designed to
dirancang untuk memperkuat kemampuan analitis, pemahaman enhance analytical abilities, understanding of internal
terhadap kebijakan internal, dan kompetensi profesional komite. policies, and the committee’s professional competencies.
Informasi mengenai program pengembangan kompetensi yang Information regarding the competency development programs
diikuti oleh Kang Bong Joo selaku Direktur Utama, Hendra Lie attended by Kang Bong Joo as President Director, Hendra Lie
selaku Wakil Direktur Utama, Vincentia M. Djuniwati Wijaya as Vice President Director, Vincentia M. Djuniwati Wijaya as
selaku Direktur Bisnis, dan Jong Ha Lee selaku Direktur Kredit Director of Business, and Jong Ha Lee as Director of Credit
telah diungkapkan pada bagian Program Pengembangan has been disclosed in the Competency Development Program
Kompetensi Direksi. Sedangkan, program pengembangan of Board of Directors section. Meanwhile, the competency
kompetensi yang diikuti oleh Dina Ageng Setiani selaku development program attended by Dina Ageng Setiani as Head
Kepala Divisi Finance telah diungkapkan pada bagian Program of Finance Division has been disclosed in the Competency
Pengembangan Kompetensi Komite Kredit. Selain itu, program Development Program for the Credit Committee section. In
pengembangan kompetensi yang diikuti oleh anggota ALCO addition, the competency development programs attended by
lainnya sepanjang tahun 2025 diuraikan sebagai berikut: other ALCO members throughout 2025 are outlined as follows:
Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Haryadi Eko Kepala Divisi Tresuri 17-18 Februari 2025
Pembekalan Sertifikasi Manajemen Risiko Jenjang 5.
Trismianto Head of Treasury Maisa Edukasi February 17-18, Public
Preparation of Risk Management Certification Level 5.
Division 2025
FGD Likuiditas Ramadhan. 7 Maret 2025
BI Public
Ramadan Liquidity (FGD). March 7, 2025
Uji Sertifikasi Manajemen Risiko Jenjang 5. 18 Maret 2025
LSPP Public
Risk Management Certification Test Level 5. March 18, 2025
Sosialisasi PADG Perubahan KLM. 25 Maret 2025
BI Public
Dissemination of PADG Changes to KLM. March 25, 2025
Meneropong Masa Depan Pasar Emas Peran Bullion Bank. 17 April 2025
OJK Public
Exploring the Future of the Gold Market: The Role of Bullion Banks. April 17, 2025
Focus Group Discussion (FGD) dan Sosialisasi Hasil Survei
Orientasi Bisnis Perbankan OJK (SBPO) Triwulan II-2025.
11 Juni 2025
Focus Group Discussion (FGD) and Dissemination of OJK OJK Public
June 11, 2025
Banking Business Orientation Survey (SBPO) Results Quarter
2-2025.
Training ESG Data Bloomberg. 18 Juli 2025
Bloomberg Public
Training ESG Data Bloomberg. July 18, 2025
Sosialisasi BI-FRN dan 4 Arah Kebijakan Operasi Moneter.
24 Oktober 2025
Dissemination of BI-FRN and 4 Directions of Monetary Policy BI Public
October 24, 2025
Operations.
Kegiatan Komunikasi Awal Ketentuan mengenai Kebijakan
Intensif Likuiditas Makroprudensial. 4 November 2025
BI Public
Initial Communication Activity on Macroprudential Liquidity November 4, 2025
Intensive Policy Provisions.
Komite Kebijakan Perkreditan Credit Policy Committee
Komite Kebijakan Perkreditan merupakan komite yang berperan The Credit Policy Committee is a committee that plays a role in
dalam menetapkan arah dan pedoman pemberian kredit agar establishing the direction and guidelines for credit granting to
selaras dengan strategi bisnis serta prinsip manajemen risiko ensure alignment with OK BANK’s business strategy and risk
OK BANK. Komite ini melakukan penelaahan terhadap kriteria management principles. The committee reviews credit eligibility
kelayakan kredit, struktur pembiayaan, serta kebijakan mitigasi criteria, financing structures, and risk mitigation policies to
risiko guna memastikan bahwa kegiatan perkreditan dilaksanakan ensure that credit activities are carried out prudently and under
secara prudent dan terkendali. Melalui pengawasan dan evaluasi control. Through regular oversight and evaluation, the Credit
yang teratur, Komite Kebijakan Perkreditan mendukung konsistensi Policy Committee supports consistency in credit decision-
pengambilan keputusan kredit, menjaga kualitas aset, serta making, maintains asset quality, and strengthens the stability and
memperkuat stabilitas dan keberlanjutan kinerja keuangan Bank. sustainability of the Bank’s financial performance.
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Piagam Komite Kebijakan Perkreditan Credit Policy Committee Charter
Komite Kebijakan Perkreditan dalam menjalankan tugasnya The Credit Policy Committee carries out its duties by
senantiasa berpedoman pada Surat Keputusan Direksi always referring to Board of Directors’ Decision Letter
Nomor 577/KEP/DIR/BOI/XI/2023 yang mengatur secara Number 577/KEP/DIR/BOI/XI/2023, which clearly regulates
jelas tugas, tanggung jawab, dan wewenang Komite Kebijakan the duties, responsibilities, and authorities of the Credit
Perkreditan, termasuk ketentuan lain yang relevan dalam Policy Committee, including other relevant provisions
mendukung peran dan operasionalnya. that support its role and operations.
Periode Jabatan Anggota Komite Kebijakan Term of Office of the Credit Policy Committee
Perkreditan Members
Periode jabatan anggota Komite Kebijakan Perkreditan The term of office for Credit Policy Committee members is set
ditetapkan selaras dengan masa jabatan Direksi, sebagaimana in alignment with the term of office of the Board of Directors, as
ditentukan melalui keputusan RUPS. determined by the GMS resolution.
Struktur dan Keanggotaan Komite Kebijakan Structure and Membership of the Credit Policy
Perkreditan Committee
Struktur dan keanggotaan Komite Kebijakan Perkreditan The structure and membership of the Credit Policy
tahun 2025 tidak mengalami perubahan sebagaimana Committee in 2025 remained unchanged, in accordance with
komposisi yang diatur dalam Surat Keputusan Direksi the composition stipulated in Board of Directors’ Decision
Nomor 577/KEP/DIR/BOI/XI/2023 tanggal 20 November 2023 Number 577/KEP/DIR/BOI/XI/2023 dated November 20, 2023,
tentang Pembentukan Komite Kebijakan Perkreditan. on the Establishment of the Credit Policy Committee.
Struktur dan keanggotaan Komite Kebijakan Perkreditan The structure and membership of the Credit Policy Committee
diuraikan sebagai berikut: are described as follows:
Ketua
Chairperson
Direktur Utama (merangkap anggota). President Director (concurrently member).
Anggota
Members
• Wakil Presiden Direktur; • Vice President Director;
• Direktur Kredit*; • Director of Credit*;
• Direktur Bisnis*; • Director of Business*;
• Direktur Kepatuhan; • Director of Compliance;
• Kepala Divisi SKAI; • SKAI Division Head;
• Kepala Divisi Credit Review*; • Credit Review Division Head*;
• Kepala Divisi Kepatuhan; • Compliance Division Head;
• Kepala Divisi Risk Management (Sekretaris)*; • Risk Management Division Head (Secretary)*;
• Kepala Divisi Bisnis**; • Business Division Head**;
• Kepala Divisi Finance**; • Finance Division Head**;
• Kepala Divisi Corporate Planning**; dan • Corporate Planning Division Head**; and
• Pejabat lain sesuai kebutuhan**. • Other officials as needed**.
Catatan / Note:
* Mempunyai hak suara. / With voting rights.
** Berdasarkan undangan. / By invitation.
Independensi Komite Kebijakan Perkreditan Independence of the Credit Policy Committee
Komite Kebijakan Perkreditan senantiasa menjaga The Credit Policy Committee consistently maintains its
independensinya dalam menjalankan setiap tugas dan tanggung independence in carrying out all its duties and responsibilities.
jawabnya. Setiap keputusan dan rekomendasi yang diberikan Every decision and recommendation made is conducted
dilakukan secara objektif, bebas dari pengaruh kepentingan objectively, free from personal interests or the influence of any
pribadi maupun pihak mana pun. Komitmen terhadap integritas ini party. This commitment to integrity becomes the foundation
menjadi dasar bagi Komite Kebijakan Perkreditan untuk berperan for the Credit Policy Committee to act professionally and
secara profesional dan memastikan bahwa pelaksanaan fungsinya ensures that the execution of its functions always aligns with
selalu sejalan dengan prinsip tata kelola perusahaan yang baik. the principles of good corporate governance.
Fungsi Komite Kebijakan Perkreditan Functions of the Credit Policy Committee
Komite Kebijakan Perkreditan memiliki fungsi untuk membantu The Credit Policy Committee has the function of assisting
Direksi sebagaimana diuraikan berikut: the Board of Directors, which is outlined as follows:
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1. Memberikan masukan kepada Direksi dalam penyusunan 1. Providing recommendations to the Board of Directors in
Kebijakan Perkreditan Bank, terutama yang berkaitan formulating the Bank’s Credit Policy, particularly concerning
dengan perumusan prinsip kehati-hatian dalam perkreditan the formulation of prudential principles in credit or financing
atau pembiayaan; activities;
2. Mengawasi agar Kebijakan Perkreditan Bank dapat diterapkan 2. Supervising the consistent and proper implementation
dan dilaksanakan secara konsekuen dan konsisten serta of the Bank’s Credit Policy and formulate solutions in
merumuskan pemecahan dalam hal terdapat hambatan the event of any obstacles or challenges in its application;
atau kendala dalam penerapan Kebijakan Perkreditan Bank;
3. Memantau dan mengevaluasi: 3. Monitoring and evaluating:
a. Perkembangan dan kualitas portofolio perkreditan a. The development and quality of the overall credit or
atau pembiayaan secara keseluruhan; financing portfolio;
b. Kebenaran pelaksanaan kewenangan memutus Kredit b. The accuracy of the exercise of Credit or Financing
atau Pembiayaan; decision-making authority;
c. Kebenaran proses pemberian perkembangan dan c. The accuracy of the Credit or Financing disbursement
kualitas Kredit atau Pembiayaan yang diberikan kepada process, including the development and quality of
pihak terkait dengan Bank dan debitur besar tertentu; credit or financing provided to related parties and
certain large debtors;
d. Kebenaran pelaksanaan ketentuan BMPK; d. The accuracy of the implementation of LLL provisions;
e. Ketaatan terhadap ketentuan peraturan perundang- e. Compliance with laws, regulations, and other
undangan dan peraturan lain dalam pelaksanaan applicable provisions in the implementation of Credit or
pemberian Kredit atau Pembiayaan; Financing disbursement;
f. Penyelesaian Kredit atau Pembiayaan bermasalah f. The resolution of non-performing loans or financing in
sesuai dengan yang ditetapkan dalam Kebijakan accordance with the Bank’s Credit Policy; and
Perkreditan Bank; dan
g. Upaya Bank dalam memenuhi kecukupan jumlah g. The Bank’s efforts to fulfill the adequacy of allowance
penyisihan penghapusan Kredit atau Pembiayaan; for Credit or Financing losses;
4. Melakukan kajian berkala terhadap Kebijakan Perkreditan 4. Conducting periodic reviews of the Bank’s Credit Policy
Bank dan memberikan saran kepada Direksi dalam and provide recommendations to the Board of Directors
hal diperlukan perubahan atau perbaikan Kebijakan should any changes or improvements to the Credit Policy
Perkreditan Bank. be necessary.
Tugas dan Tanggung Jawab Komite Kebijakan Duties and Responsibilities of the Credit Policy
Perkreditan Committee
Selain fungsi, Komite Kebijakan Perkreditan juga memiliki In addition to its functions, the Credit Policy Committee also
tugas dan tanggung jawab yang diuraikan sebagai berikut: has the following duties and responsibilities:
1. Menyampaikan laporan tertulis secara berkala kepada 1. Submitting written reports periodically to the Board of
Direksi dengan tembusan kepada Dewan Komisaris Directors with a copy to the Board of Commissioners
mengenai: regarding:
a. Hasil pengawasan atas penerapan dan pelaksanaan a. The results of supervision over the implementation and
Kebijakan Perkreditan Bank; application of the Bank’s Credit Policy;
b. Hasil pemantauan dan evaluasi. b. The results of monitoring and evaluation activities.
2. Memberikan saran langkah-langkah perbaikan kepada 2. Providing recommendations for corrective actions to the
Direksi dengan tembusan kepada Dewan Komisaris. Board of Directors with a copy to the Board of Commissioners.
Pelaksanaan Tugas Komite Kebijakan Perkreditan Implementation of Credit Policy Committee’s Duties
Pelaksanaan tugas Komite Kebijakan Perkreditan pada The implementation of the Credit Policy Committee’s duties
tahun 2025 telah berjalan secara efektif dan sesuai dengan in 2025 was carried out effectively and in accordance with its
wewenang yang dimiliki. authorized powers.
Rapat Komite Kebijakan Perkreditan Credit Policy Committee’s Meeting
Komite Kebijakan Perkreditan dapat menyelenggarakan rapat The Credit Policy Committee may hold meetings at least
setidaknya 1 (satu) kali dalam 1 (satu) tahun, atau di waktu once a year, or at other times deemed necessary. Throughout
lain yang telah ditentukan. Sepanjang tahun 2025, Komite 2025, the Credit Policy Committee held 1 (one) meeting, on
Kebijakan Perkreditan telah menyelenggarakan 1 (satu) kali December 30, 2025, with the agenda concerning the addition of
rapat, yaitu pada tanggal 30 Desember 2025 dengan agenda, the latest regulations to the Bank’s Credit Policy, namely POJK
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yaitu terkait penambahan peraturan terbaru pada Kebijakan Number 19 of 2025 regarding Ease of Access to Financing for
Perkreditan Bank, POJK Nomor 19 Tahun 2025 tentang MSMEs.
Kemudahan Akses Pembiayaan pada UMKM.
Program Pengembangan Kompetensi Komite Competency Development Program for the Credit
Kebijakan Perkreditan Policy Committee
Program pengembangan kompetensi Komite Kebijakan The competency development program for the Credit Policy
Perkreditan dilaksanakan sebagai upaya berkelanjutan Committee is carried out as an ongoing effort to ensure that each
untuk memastikan setiap anggota memiliki pengetahuan, member possesses knowledge, skills, and insights relevant to
keterampilan, dan wawasan yang relevan dengan kebutuhan the Bank’s needs. Through various forms of training, workshops,
Bank. Melalui berbagai bentuk pelatihan, workshop, maupun and other capacity-building activities, this program is designed
kegiatan peningkatan kapasitas lainnya, program ini dirancang to enhance analytical abilities, understanding of internal policies,
untuk memperkuat kemampuan analitis, pemahaman terhadap and the committee’s professional competencies. Information
kebijakan internal, dan kompetensi profesional komite. Informasi regarding the competency development programs attended
mengenai program pengembangan kompetensi yang diikuti oleh by Kang Bong Joo as President Director, Hendra Lie as Vice
Kang Bong Joo selaku Direktur Utama, Hendra Lie selaku Wakil President Director, Vincentia M. Djuniwati Wijaya as Director of
Direktur Utama, Vincentia M. Djuniwati Wijaya selaku Direktur Business, Efdinal Alamsyah as Director of Compliance, and Jong
Bisnis, Efdinal Alamsyah selaku Direktur Kepatuhan, dan Jong Ha Lee as Director of Credit has been disclosed in Competency
Ha Lee selaku Direktur Kredit telah diungkapkan pada bagian Development Program of the Board of Directors section.
Program Pengembangan Kompetensi Direksi. Sedangkan, Meanwhile, the competency development program attended
program pengembangan kompetensi yang diikuti oleh Jefitra by Jefitra as Head of the Risk Management Division has been
selaku Kepala Divisi Risk Management telah diungkapkan pada disclosed in Competency Development Program for the Risk
bagian Program Pengembangan Kompetensi Komite Manajemen Management Committee section. Furthermore, the competency
Risiko. Sementara itu, program pengembangan kompetensi development programs attended by Lee Chang Sup as Head of
yang diikuti oleh Lee Chang Sup selaku Kepala Divisi Corporate the Corporate Planning Division, Dina Ageng Setiani as Head of
Planning, Dina Ageng Setiani selaku Kepala Divisi Finance, the Finance Division, Rian Abdi Gunawan as Head of the Credit
Rian Abdi Gunawan selaku Kepala Divisi Credit Review, Sistya Review Division, Sistya Rachmawati as Head of the Compliance
Rachmawati selaku Kepala Divisi Kepatuhan, Nadhya Atindria Division, Nadhya Atindria as Head of Business Division 1, Sylvia
selaku Kepala Divisi Bisnis 1, Sylvia Suryadi selaku Kepala Suryadi as Head of Business Division 2, Okky Widhi Yunarto as
Divisi Bisnis 2, Okky Widhi Yunarto selaku Kepala Divisi Bisnis Head of Business Division 3, and Oscar Suwarnadwipa as Head
3, dan Oscar Suwarnadwipa selaku Kepala Divisi Bisnis 4 telah of Business Division 4 have been disclosed in Competency
diungkapkan pada bagian Program Pengembangan Kompetensi Development Program for the Credit Committee section. In
Komite Kredit. Selain itu, program pengembangan kompetensi addition, the competency development programs attended
yang diikuti oleh anggota Komite Kebijakan Perkreditan lainnya by other members of the Credit Policy Committee throughout
sepanjang tahun 2025 diuraikan sebagai berikut: 2025 are described as follows:
Metode
Nama Jabatan Program yang Diikuti Penyelenggara Waktu Pelatihan
Name Position Programs Attended Organizer Date Training
Methods
Workshop AYDA dan Penerapannya “Ketika Debitur
Kepala Divisi Legal Dinyatakan Pailit berdasarkan UU Kepailitan Nomor 37”. 12 Juni 2025
Moch. Maurice Kontan Academy Public
Head of Legal Division Workshop on AYDA and Its Application: “When a Debtor is June 12, 2025
Declared Bankrupt under Bankruptcy Law Number 37”.
Komite Pengembangan Produk Product Development Committee
Komite Pengembangan Produk merupakan komite yang The Product Development Committee is a committee
berperan dalam merancang, menilai, dan mengevaluasi that plays a role in designing, assessing, and evaluating
pengembangan produk dan layanan Bank agar selaras dengan the Bank’s product and service development to ensure
kebutuhan nasabah serta strategi bisnis OK BANK. Komite alignment with customer needs and OK BANK’s business
Pengembangan Produk ini melakukan penelaahan atas potensi strategy. This committee reviews market potential, financial
pasar, kelayakan finansial, serta risiko yang melekat pada setiap feasibility, and the inherent risks of each product’s initiative
inisiatif produk untuk memastikan proses pengembangan to ensure that the development and launch processes
dan peluncuran dilaksanakan secara prudent dan terukur. are carried out prudently and in a measured manner.
Melalui pengawasan yang sistematis dan terintegrasi, Komite Through systematic and integrated oversight, the Product
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Pengembangan Produk mendukung terciptanya inovasi yang Development Committee supports the creation of competitive
kompetitif, peningkatan nilai bagi nasabah, serta penguatan innovations, enhances customer value, and strengthens
pertumbuhan usaha Bank secara berkelanjutan. the Bank’s sustainable business growth.
Piagam Komite Pengembangan Produk Product Development Committee Charter
Komite Pengembangan Produk dalam menjalankan tugasnya In carrying out its duties, the Product Development Committee
senantiasa berpedoman pada Surat Keputusan Direksi always refers to Board of Directors’ Decision Letter
Nomor 474/KEP/DIR/BOI/X/2023 yang mengatur secara jelas Number 474/KEP/DIR/BOI/X/2023, which clearly regulates
tugas, tanggung jawab, dan wewenang Komite Pengembangan the duties, responsibilities, and authorities of the Product
Produk, termasuk ketentuan lain yang relevan dalam Development Committee, including other relevant provisions
mendukung peran dan operasionalnya. that support its role and operations.
Periode Jabatan Anggota Komite Pengembangan Term of Office of the Product Development
Produk Committee Members
Periode jabatan anggota Komite Pengembangan Produk The term of office for Product Development Committee
ditetapkan selaras dengan masa jabatan Direksi, sebagaimana members is set in alignment with the term of office of
ditentukan melalui keputusan RUPS. the Board of Directors, as determined by the GMS resolution.
Struktur dan Keanggotaan Komite Pengembangan Structure and Membership of the Product
Produk Development Committee
Struktur dan keanggotaan Komite Pengembangan Produk The structure and membership of the Product Development
tahun 2025 tidak mengalami perubahan sebagaimana Committee in 2025 remained unchanged, as per
komposisi yang diatur dalam Surat Keputusan Direksi the composition stipulated in the Board of Directors’ Decision
Nomor 474/KEP/DIR/BOI/X/2023. Struktur dan keanggotaan Letter Number 474/KEP/DIR/BOI/X/2023. The structure and
Komite Pengembangan Produk diuraikan sebagai berikut: membership of the Product Development Committee are
described as follows:
Ketua (Merangkap Anggota)
Chairperson (Concurrently Member)
Presiden Direktur*. President Director*.
Anggota
Members
• Wakil Presiden Direktur*; • Vice President Director*;
• Direktur Kredit dan IT*; • Director of Credit and IT*;
• Direktur Kepatuhan*; • Director of Compliance*;
• Direktur Bisnis*; • Director of Business*;
• Kepala Divisi Finance*; • Finance Division Head**;
• Kepala Divisi Corporate Planning*; • Corporate Planning Division Head*;
• Kepala Divisi Risk Management*; • Risk Management Division Head*;
• Kepala Divisi Credit Review**; • Credit Review Division Head**;
• Kepala Divisi Kepatuhan**; • Compliance Division Head**;
• Kepala Divisi Legal**; • Legal Division Head**;
• Kepala Divisi Bisnis**; dan • Business Division Head**; and
• Pejabat lain sesuai kebutuhan**. • Other officials as needed**.
Catatan / Note:
* Mempunyai hak suara. / With voting rights.
** Berdasarkan undangan. / By invitation.
Independensi Komite Pengembangan Produk Independence of the Product Development
Committee
Komite Pengembangan Produk senantiasa menjaga The Product Development Committee consistently maintains its
independensinya dalam menjalankan setiap tugas dan independence in carrying out all its duties and responsibilities.
tanggung jawabnya. Setiap keputusan dan rekomendasi Every decision and recommendation made is conducted
yang diberikan dilakukan secara objektif, bebas dari objectively, free from personal interests or the influence of any
pengaruh kepentingan pribadi maupun pihak mana pun. party. This commitment to integrity forms the foundation for
Komitmen terhadap integritas ini menjadi dasar bagi Komite the Product Development Committee to act professionally and
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Pengembangan Produk untuk berperan secara profesional ensures that the execution of its functions always aligns with
dan memastikan bahwa pelaksanaan fungsinya selalu sejalan the principles of good corporate governance.
dengan prinsip tata kelola perusahaan yang baik.
Fungsi Komite Pengembangan Produk Functions of the Product Development Committee
Komite Pengembangan Produk memiliki fungsi untuk The Product Development Committee has the function of
membantu Direksi yang diuraikan sebagai berikut: assisting the Board of Directors, which is outlined as follows:
1. Memberikan masukan kepada Direksi dalam penyusunan 1. Providing recommendations to the Board of Directors in
produk Bank, terutama yang berkaitan dengan developing the Bank’s products, particularly relating to
perencanaan, prospek bisnis, serta risiko produk; planning, business prospects, and product risks;
2. Mengevaluasi produk Bank yang diajukan dapat diterapkan 2. Evaluating the proposed Bank products to ensure their
dan dilaksanakan secara konsekuen dan konsisten serta applicability and consistent implementation, while
memberikan nilai tambah dan keuntungan bagi bisnis providing added value and benefits for the Bank’s business;
Bank; serta and
3. Mengevaluasi ketaatan terhadap ketentuan peraturan 3. Evaluating compliance with laws and regulations as well as
perundang-undangan dan peraturan lain terkait produk Bank. other applicable provisions related to the Bank’s products.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of the Product
Pengembangan Produk Development Committee
Selain fungsi, Komite Pengembangan Produk juga memiliki In addition to its functions, the Product Development Committee
tugas dan tanggung jawab, yaitu melakukan evaluasi dan also has the duties and responsibilities of evaluating and
memberikan persetujuan terhadap proposal pengembangan providing approval for product development proposals and/or
produk dan/atau aktivitas baru. new activities.
Pelaksanaan Tugas Komite Pengembangan Implementation of the Product Development
Produk Committee’s Duties
Setiap produk atau aktivitas Bank yang dikembangkan wajib Every product or activity developed by the Bank must be
dicantumkan di dalam RBB dan mendapatkan persetujuan dari included in the RBB and obtain approval from the Product
Komite Pengembangan Produk. Pelaksanaan tugas Komite Development Committee. The implementation of the Product
Pengembangan Produk pada tahun 2025 telah berjalan secara Development Committee’s duties in 2025 had been carried
efektif. out effectively.
Rapat Komite Pengembangan Produk Product Development Committee’s Meeting
Sepanjang tahun 2025, Komite Pengembangan Produk Throughout 2025, the Product Development Committee
tidak menyelenggarakan rapat dikarenakan tidak terdapat did not hold any meetings as there were no new product
pengajuan produk baru. proposals submitted.
Program Pengembangan Kompetensi Komite Competency Development Program for
Pengembangan Produk the Product Development Committee
Program pengembangan kompetensi Komite Pengembangan The Product Development Committee’s competency development
Produk dilaksanakan sebagai upaya berkelanjutan untuk program is carried out as an ongoing effort to ensure that each
memastikan setiap anggota memiliki pengetahuan, member possesses knowledge, skills, and insights relevant to
keterampilan, dan wawasan yang relevan dengan kebutuhan the Bank’s needs. Through various forms of training, workshops,
Bank. Melalui berbagai bentuk pelatihan, workshop, maupun and other capacity-building activities, this program is designed
kegiatan peningkatan kapasitas lainnya, program ini dirancang to enhance analytical abilities, understanding of internal policies,
untuk memperkuat kemampuan analitis, pemahaman terhadap and the committee’s professional competencies. Information
kebijakan internal, dan kompetensi profesional komite. Informasi regarding the competency development programs attended
mengenai program pengembangan kompetensi yang diikuti oleh by Kang Bong Joo as President Director, Hendra Lie as Vice
Kang Bong Joo selaku Direktur Utama, Hendra Lie selaku Wakil President Director, Vincentia M. Djuniwati Wijaya as Director
Direktur Utama, Vincentia M. Djuniwati Wijaya selaku Direktur of Business, Efdinal Alamsyah as Director of Compliance,
Bisnis, Efdinal Alamsyah selaku Direktur Kepatuhan, dan Jong and Jong Ha Lee as Director of Credit has been disclosed in
Ha Lee selaku Direktur Kredit telah diungkapkan pada bagian Competency Development Program of the Board of Directors
Program Pengembangan Kompetensi Direksi. Sedangkan, section. Meanwhile, the competency development program
program pengembangan kompetensi yang diikuti oleh Jefitra attended by Jefitra as Head of the Risk Management Division
selaku Kepala Divisi Risk Management telah diungkapkan has been disclosed in Competency Development Program
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pada bagian Program Pengembangan Kompetensi Komite for the Risk Management Committee section. Furthermore,
Manajemen Risiko. Sementara itu, program pengembangan the competency development programs attended by Lee Chang
kompetensi yang diikuti oleh Lee Chang Sup selaku Kepala Divisi Sup as Head of the Corporate Planning Division, Dina Ageng
Corporate Planning, Dina Ageng Setiani selaku Kepala Divisi Setiani as Head of the Finance Division, Rian Abdi Gunawan
Finance, Rian Abdi Gunawan selaku Kepala Divisi Credit Review, as Head of the Credit Review Division, Sistya Rachmawati as
Sistya Rachmawati selaku Kepala Divisi Kepatuhan, Nadhya Head of the Compliance Division, Nadhya Atindria as Head
Atindria selaku Kepala Divisi Bisnis 1, Sylvia Suryadi selaku of Business Division 1, Sylvia Suryadi as Head of Business
Kepala Divisi Bisnis 2, Okky Widhi Yunarto selaku Kepala Divisi Division 2, Okky Widhi Yunarto as Head of Business Division
Bisnis 3, dan Oscar Suwarnadwipa selaku Kepala Divisi Bisnis 3, and Oscar Suwarnadwipa as Head of Business Division 4
4 telah diungkapkan pada bagian Program Pengembangan have been disclosed in Competency Development Program
Kompetensi Komite Kredit. Kemudian, program pengembangan for the Credit Committee section. Additionally, the competency
kompetensi yang diikuti oleh Moch. Maurice selaku Kepala Divisi development program attended by Moch. Maurice as Head
Legal telah diungkapkan pada bagian Program Pengembangan of the Legal Division has been disclosed in Competency
Kompetensi Komite Kebijakan Perkreditan. Development Program for the Credit Policy Committee section.
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Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan merupakan organ tata kelola The Corporate Secretary is a governance organ of OK BANK
OK BANK yang memiliki peran strategis dalam memastikan that plays a strategic role in ensuring information transparency,
keterbukaan informasi, kepatuhan terhadap regulasi, dan regulatory compliance, and effective communication between
komunikasi yang efektif antara manajemen, Dewan Komisaris, management, the Board of Commissioners, and external
serta pemangku kepentingan eksternal. Tugas ini mencakup stakeholders. This role includes preparing corporate reports,
penyusunan laporan korporasi, koordinasi pelaksanaan RUPS, dan coordinating the implementation of the GMS, and monitoring
pemantauan kepatuhan terhadap ketentuan perundang-undangan compliance with laws and regulations, as well as OJK provisions.
serta peraturan OJK. Sekretaris Perusahaan juga berfungsi The Corporate Secretary also serves as an information liaison,
sebagai penghubung informasi yang menjaga transparansi maintaining transparency so that all stakeholders receive
sehingga seluruh pemangku kepentingan memperoleh data accurate and timely data. Through this structured role,
yang akurat dan tepat waktu. Dengan peran yang terstruktur the Corporate Secretary supports the establishment of good
ini, Sekretaris Perusahaan mendukung terciptanya tata kelola corporate governance, strengthens management accountability,
perusahaan yang baik, memperkuat akuntabilitas manajemen, and enhances public trust in the Bank.
dan meningkatkan kepercayaan publik terhadap Bank.
Sekretaris Perusahaan berperan penting dalam menjaga keterhubungan OK BANK dengan para
pemangku kepentingan, sekaligus memastikan tersampaikannya informasi secara transparan
dan akurat. Dalam menjalankan fungsi strategis tersebut, Sekretaris Perusahaan secara aktif
mengikuti berbagai program pengembangan kompetensi untuk terus meningkatkan kualitas,
profesionalisme, dan efektivitas perannya. Dengan kemampuan yang terus diperbarui, Sekretaris
Perusahaan mampu menjadi jembatan komunikasi yang andal dan memberikan kontribusi
signifikan bagi kelancaran tata kelola perusahaan.
The Corporate Secretary plays an important role in maintaining OK BANK’s connection with
stakeholders while ensuring that information is delivered transparently and accurately.
In carrying out this strategic function, the Corporate Secretary actively participates in various
competency development programs to continuously enhance the quality, professionalism,
and effectiveness of the role. With continuously updated skills, the Corporate Secretary
is able to serve as a reliable communication bridge and make a significant contribution to
the smooth implementation of corporate governance.
Dasar Hukum Pembentukan Legal Basis of Establishment
Dasar hukum pembentukan Sekretaris Perusahaan The legal basis of establishment of the Corporate Secretary
berlandaskan pada POJK Nomor 35/POJK.04/2014 tentang refers to POJK Number 35/POJK.04/2014 on the Corporate
Sekretaris Perusahaan Emiten atau Perusahaan Publik, yang Secretary of Issuers or Public Companies, which mandates
menetapkan kewajiban setiap emiten atau perusahaan publik that every issuer or public company appoint a Corporate
untuk menunjuk seorang Sekretaris Perusahaan. Aturan ini Secretary. This regulation is designed to ensure the effective
dibuat untuk memastikan terselenggaranya fungsi komunikasi functioning of communication between OK BANK and its
yang efektif antara OK BANK dengan para pemangku stakeholders, including regulators, investors, and the public.
kepentingan, termasuk regulator, investor, dan masyarakat.
Pihak yang Mengangkat dan Memberhentikan The Party that Appoints and Dismiss
Sekretaris Perusahaan the Corporate Secretary
Sekretaris Perusahaan diangkat dan diberhentikan oleh The Corporate Secretary is appointed and dismissed by
Direksi, yang memiliki kewenangan penuh untuk menentukan the Board of Directors, which holds full authority to select
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figur yang dianggap mampu menjalankan fungsi strategis an individual deemed capable of performing this strategic
tersebut. Penunjukan ini mencerminkan kepercayaan Direksi function. This appointment reflects the Board of Directors’
kepada individu yang dinilai kompeten dalam mengelola trust in an individual considered competent in managing
komunikasi Bank, memastikan kepatuhan terhadap the Bank’s communication, ensuring regulatory compliance,
regulasi, dan menjaga keterbukaan informasi kepada publik. and maintaining transparency of information to the public.
Demikian pula, pemberhentian Sekretaris Perusahaan Similarly, the dismissal of the Corporate Secretary is
dilakukan oleh Direksi apabila dipandang perlu untuk carried out by the Board of Directors if deemed necessary
menjaga efektivitas fungsi tersebut atau menyesuaikan dengan to maintain the effectiveness of function or to align with
kebutuhan organisasi. organizational needs.
Profil Sekretaris Perusahaan Corporate Secretary’s Profile
Sekretaris Perusahaan OK BANK dijabat oleh Efdinal Alamsyah, OK BANK’s Corporate Secretary is held by Efdinal Alamsyah,
yang juga menjabat sebagai Direktur Kepatuhan, sehingga who also serves as the Director of Compliance, thereby
memperkuat peran strategisnya dalam memastikan kepatuhan strengthening his strategic role in ensuring the Bank’s
dan transparansi Bank. Penunjukan Efdinal Alamsyah sebagai compliance and transparency. The appointment of Efdinal
Sekretaris Perusahaan ditetapkan melalui Surat Keputusan Alamsyah as Corporate Secretary was formalized through Board
Direksi Nomor 020/SK/DIR/VII/2019 tanggal 9 Juli 2019, of Directors’ Decision Letter Number 020/SK/DIR/VII/2019 dated
yang menegaskan mandat dan tanggung jawabnya dalam July 9, 2019, which affirms his mandate and responsibilities in
mengelola komunikasi korporasi, keterbukaan informasi, dan managing corporate communication, information disclosure,
penerapan tata kelola perusahaan yang baik di lingkungan and implementation of good corporate governance within
OK BANK. Informasi lebih lengkap mengenai profil Sekretaris OK BANK. More detailed information on the Corporate Secretary’s
Perusahaan dapat dilihat pada bagian Profil Direksi dalam profile can be found in the Board of Directors Profile section in
Bab Profil Perusahaan pada Laporan Tahunan ini. the Company Profile Chapter of this Annual Report.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of the Corporate
Perusahaan Secretary
Sekretaris Perusahaan memiliki tugas dan tanggung jawab The Corporate Secretary has the following duties and
sebagaimana diuraikan berikut: responsibilities:
1. Mengikuti perkembangan pasar modal khususnya 1. Monitoring the development of the capital market, particularly
peraturan-peraturan yang berlaku di bidang pasar modal; regulations applicable in the capital market sector;
2. Memberikan pelayanan kepada masyarakat atas setiap 2. Providing services to the public regarding any information
informasi yang dibutuhkan pemberi modal yang berkaitan required by investors related to OK BANK’s condition;
dengan kondisi OK BANK;
3. Memberikan masukan kepada Direksi OK BANK untuk 3. Providing advice to the Board of Directors to ensure
mematuhi ketentuan Undang-Undang Nomor 8 Tahun 1995 compliance with Law Number 8 of 1995 concerning capital
tentang pasar modal dan peraturan pelaksanaannya; market and its implementing regulations;
4. Sebagai penghubung antara OK BANK dengan pihak-pihak 4. Acting as a liaison between OK BANK and the relevant
berwenang (OJK, BEI, dan lainnya) serta publik; authorities (OJK, IDX, and others) as well as the public;
5. Melaksanakan keterbukaan informasi, termasuk 5. Implementing information transparency, including
pelaporan-pelaporan kepada regulator sehubungan status reporting to regulators in relation to the Bank’s status as a
Bank sebagai Perusahaan Terbuka; Public Company;
6. Menyelenggarakan dan mendokumentasikan RUPS; 6. Organizing and documenting the GMS;
7. Melaksanakan pelaporan-pelaporan sesuai ketentuan 7. Conducting reporting activities in accordance with other
perundangan lainnya yang menjadi kewenangan unit Kerja applicable laws and regulations under the authority of
Corporate Secretary; the Corporate Secretary unit;
8. Mengelola administrasi Pemegang Saham OK BANK; 8. Managing OK BANK’s Shareholder administration;
9. Menyelenggarakan kegiatan-kegiatan lainnya yang 9. Organizing other activities related to corporate actions
berkaitan dengan aksi korporasi dan/atau keterbukaan and/or other information disclosure;
informasi lainnya;
10. Melaksanakan fungsi kepatuhan OK BANK terhadap 10. Implementing OK BANK’s compliance function with
peraturan-peraturan di bidang Pasar Modal; regulations in the Capital Market sector;
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11. Melaksanakan kegiatan-kegiatan aktivitas CSR; 11. Carrying out CSR (CSR) activities;
12. Melaksanakan kegiatan lainnya yang sejenis baik yang 12. Conducting other similar activities, both in
merupakan pelaksanaan program pemerintah maupun the implementation of government programs or
kerja sama dengan pihak ketiga, seperti Program Kemitraan cooperation with third parties, such as the Partnership and
dan Bina Lingkungan dan pemberian sumbangan atau Community Development Program as well as providing
donasi sehubungan dengan bencana alam; serta donations or assistance related to natural disasters; and
13. Memastikan penyampaian laporan berkala kepada OJK serta 13. Ensuring the submission of periodic reports to OJK and
BEI, baik melalui surat tercatat ataupun secara elektronik IDX, either via registered mail or electronically through
melalui laman www.spe.ojk.go.id. the website www.spe.ojk.go.id.
Laporan Pelaksanaan Tugas Report on Implementation of Duties
Sepanjang tahun 2025, Sekretaris Perusahaan melaksanakan Throughout 2025, the Corporate Secretary consistently
tugas dan tanggung jawabnya secara konsisten dalam carried out its duties and responsibilities in supporting
mendukung penerapan tata kelola perusahaan yang baik the implementation of good corporate governance and
serta menjaga kepatuhan terhadap ketentuan yang berlaku. ensuring compliance with applicable regulations. These duties
Pelaksanaan tugas tersebut mencakup fungsi komunikasi included corporate communication functions, coordination of
korporasi, koordinasi kegiatan OK BANK, serta pemenuhan OK BANK’s activities, and fulfillment of reporting obligations
kewajiban pelaporan kepada pemangku kepentingan dan to stakeholders and regulators. The activities carried out by
regulator. Adapun kegiatan yang dilaksanakan oleh Sekretaris the Corporate Secretary during 2025 included:
Perusahaan selama tahun 2025 meliputi:
1. Menghadiri dan mewakili OK BANK dalam berbagai 1. Attending and representing OK BANK in various events
kegiatan yang diselenggarakan oleh pihak eksternal; organized by external parties;
2. Memastikan terselenggaranya agenda korporasi, termasuk 2. Ensuring the implementation of corporate agendas,
RUPS dan agenda perusahaan lainnya; including the GMS and other company agendas;
3. Menghadiri dan mewakili OK BANK dalam pelaksanaan 3. Attending and representing OK BANK in the implementation
kegiatan CSR;serta of CSR activities; and
4. Menyampaikan laporan kepada regulator, antara lain laporan 4. Submitting reports to regulators, including capital market
kegiatan pasar modal, laporan pelaksanaan CSR, serta activity reports, CSR implementation reports, and financial
laporan kegiatan literasi dan inklusi keuangan. literacy and inclusion activity reports.
Pelatihan dan Pengembangan Kompetensi Training and Competency Development
Pelatihan dan pengembangan kompetensi bagi Sekretaris Training and competency development for the Corporate
Perusahaan merupakan aspek penting untuk memastikan peran Secretary is a crucial aspect to ensure that the strategic
strategisnya dapat dijalankan secara optimal. Melalui program role can be performed optimally. Through ongoing training
pelatihan yang berkelanjutan, Sekretaris Perusahaan diharapkan programs, the Corporate Secretary is expected to continuously
selalu memahami perkembangan regulasi, praktik terbaik tata understand regulatory developments, best practices in
kelola perusahaan, dan keterampilan komunikasi yang efektif. corporate governance, and effective communication skills.
Pengembangan kompetensi ini juga mencakup peningkatan Competency development also includes enhancing analytical
kemampuan analitis, manajemen risiko, dan pemahaman abilities, risk management, and a deep understanding of
mendalam mengenai dinamika pasar, serta kebutuhan pemangku market dynamic, and stakeholder needs. As a result, the
kepentingan. Dengan demikian, Sekretaris Perusahaan dapat Corporate Secretary can provide a more optimal contribution
memberikan kontribusi yang lebih maksimal dalam mendukung in supporting the Bank’s transparency, compliance, and
transparansi, kepatuhan, dan keberlanjutan operasional Bank. operational sustainability. Information regarding the
Informasi mengenai pengembangan kompetensi yang competency development programs attended by Efdinal
diikuti oleh Efdinal Alamsyah selaku Sekretaris Perusahaan Alamsyah as Corporate Secretary throughout 2025 has been
sepanjang tahun 2025 telah diungkapkan pada bagian disclosed in Competency Development Program of the Board
Program Pengembangan Kompetensi Direksi. of Directors section.
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Satuan Kerja Audit Internal
Internal Audit Unit
Satuan Kerja Audit Internal (SKAI) merupakan organ tata The Internal Audit Unit (SKAI) is OK BANK’s governance
kelola OK BANK yang berperan dalam melakukan penilaian organ that plays a role in conducting independent
independen atas efektivitas pengendalian internal, manajemen assessments of the effectiveness of internal control, risk
risiko, dan proses tata kelola untuk memastikan seluruh management, and governance process to ensure that all
aktivitas operasional berjalan sesuai kebijakan serta ketentuan operational activities are carried out in accordance with
yang berlaku. Melalui audit yang dilakukan secara berkala, applicable policies and regulations. Through periodic audits,
SKAI membantu mengidentifikasi potensi perbaikan sekaligus SKAI helps identify potential improvements and provides
memberikan rekomendasi yang dapat meningkatkan efisiensi recommendations to enhance the efficiency and reliability
dan keandalan proses kerja. Kehadiran SKAI juga memberikan of work process. The presence of SKAI also provides
dukungan penting bagi Direksi dalam menjaga integritas important support to the Board of Directors in maintaining
operasional serta membangun budaya kepatuhan di seluruh operational integrity and fostering a culture of compliance
lingkungan OK BANK. throughout OK BANK.
SKAI merupakan unit independen di dalam OK BANK yang berperan penting dalam memastikan
efektivitas pengendalian internal, manajemen risiko, dan penerapan tata kelola perusahaan
yang baik. SKAI bertugas melakukan pemeriksaan dan evaluasi secara objektif terhadap seluruh
kegiatan operasional Bank, guna memastikan bahwa proses bisnis berjalan sesuai kebijakan,
prosedur, dan ketentuan yang berlaku. Selain itu, SKAI memberikan rekomendasi perbaikan
kepada Direksi untuk meningkatkan efisiensi, mitigasi risiko, dan kepatuhan terhadap regulasi.
SKAI is an independent unit within OK BANK that plays a crucial role in ensuring the effectiveness
of internal control, risk management, and the implementation of good corporate governance.
SKAI is responsible for conducting objective audits and evaluations of all the Bank’s operational
activities to ensure that business processes are carried out in accordance with applicable
policies, procedures, and regulations. In addition, SKAI provides improvement recommendations
to the Board of Directors to enhance efficiency, risk mitigation, and regulatory compliance.
Dasar Hukum Legal Basis
Dalam melaksanakan tugas dan tanggung jawabnya, SKAI In carrying out its duties and responsibilities, SKAI refers to
mengacu pada berbagai peraturan perundang-undangan yang several applicable laws and regulations, including:
berlaku, antara lain:
1. POJK Nomor 1/POJK.03/2019 tentang Penerapan Fungsi 1. POJK Number 1/POJK.03/2019 on the Implementation of
Audit Internal pada Bank Umum; Internal Audit Function in Commercial Banks;
2. POJK Nomor 56/POJK.04/2015 tentang Pembentukan dan 2. POJK Number 56/POJK.04/2015 on the Establishment
Pedoman Penyusunan Piagam Unit Audit Internal; serta and Guidelines for the Preparation of Internal Audit Unit
Charter; and
3. POJK Nomor 17 Tahun 2023 tentang Tata Kelola Bank 3. POJK Number 17 of 2023 on Governance of Commercial
Umum. Banks.
Pihak yang Mengangkat dan Memberhentikan The Party that Appoints and Dismisses
Kepala Satuan Kerja Audit Internal the Head of Internal Audit Unit
Kepala SKAI diangkat dan diberhentikan oleh Direktur Utama The Head of SKAI is appointed and dismissed by
setelah memperoleh persetujuan dari Dewan Komisaris dan the President Director after obtaining approval from the Board
mempertimbangkan rekomendasi dari Komite Audit, sehingga of Commissioners and considering recommendations from
memastikan proses penetapannya dilakukan secara objektif dan the Audit Committee, and thus, ensuring that the appointment
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memenuhi prinsip tata kelola yang baik. Mekanisme ini dirancang process is conducted objectively and in accordance with
untuk menjaga independensi dan efektivitas peran Kepala SKAI good governance principles. This mechanism is designed to
dalam melaksanakan fungsi pengawasan internal. Selain itu, maintain the independence and effectiveness of the Head of
setiap keputusan pengangkatan maupun pemberhentian Kepala SKAI in performing internal oversight functions. In addition,
SKAI wajib dilaporkan kepada OJK sebagai bentuk transparansi every decision regarding the appointment or dismissal of
dan pemenuhan ketentuan regulator. the Head of SKAI must be reported to OJK as a form of
transparency and compliance with regulatory requirements.
Struktur dan Kedudukan Satuan Kerja Audit Structure and Position of the Internal Audit
Internal Unit
Dalam struktur organisasi OK BANK, SKAI dipimpin oleh Within OK BANK’s organizational structure, SKAI is led by
seorang Kepala SKAI yang bertanggung jawab langsung the Head of SKAI, who reports directly to the President Director,
kepada Direktur Utama, sehingga garis pelaporannya jelas dan providing a clear reporting line that supports effective internal
mendukung efektivitas pengawasan internal. Meskipun berada oversight. Although it operates within the organizational
dalam lingkup organisasi, SKAI tetap menjaga independensinya framework, SKAI maintains its independence to perform audit
agar dapat menjalankan fungsi audit secara objektif dan functions objectively and free from pressure from any party.
bebas dari tekanan pihak mana pun. Kepala SKAI memiliki The Head of SKAI plays an important role in presenting audit
peran penting untuk menyampaikan temuan hasil audit dan findings and providing improvement recommendations to
memberikan rekomendasi perbaikan kepada Direktur Utama, the President Director, ensuring that potential risks or control
sehingga setiap potensi risiko atau kelemahan pengendalian weaknesses are appropriately addressed and supporting
dapat ditindaklanjuti secara tepat dan mendukung peningkatan the enhancement of corporate governance.
tata kelola perusahaan.
Dewan Komisaris Direktur Utama
Board of Commissioners President Director
Komite Audit Satuan Kerja Audit Internal
Audit Committee Internal Audit Unit
General Auditor IT Auditor
Piagam Satuan Kerja Audit Internal Internal Audit Unit Charter
Pedoman kerja SKAI dituangkan dalam Piagam Audit SKAI’s working guidelines are set out in the Internal
Internal (Internal Audit Charter) yang menjadi landasan Audit Charter, which serves as the primary foundation for
utama dalam pelaksanaan fungsi audit internal di Bank. the implementation of internal audit functions at the Bank.
Piagam tersebut ditetapkan melalui Keputusan Direksi This charter was established through Board of Directors’
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Nomor 019/IM-BOI/IA/VI/2022 tanggal 21 Juni 2022, dan Decision Number 019/IM-BOI/IA/VI/2022 dated June 21, 2022,
untuk memastikan relevansi serta kesesuaiannya dengan and to ensure its relevance and alignment with regulatory
perkembangan regulasi maupun kebutuhan organisasi, developments and organizational needs, the charter was
piagam ini telah melalui proses pengkajian ulang pada reviewed on November 16, 2023, and October 18, 2024.
16 November 2023 dan 18 Oktober 2024.
PROFIL KEPALA SATUAN KERJA AUDIT INTERNAL
Profile of the Head of the Internal Audit Unit
Murniasih
Kepala Satuan Kerja Audit Internal
Head of the Internal Audit Unit
KEBANGSAAN
Nationality
Indonesia / Indonesian
DOMISILI
Domicile
Jakarta
USIA
Age
48 Tahun / Years Old
Dasar Pengangkatan dan Persetujuan OJK Legal Basis of Appointment and OJK Approval
Diangkat sebagai Kepala Satuan Kerja Audit Internal berdasarkan Appointed as Head of the Internal Audit Unit based on the Board
Keputusan Direksi Nomor 106/INT-HRD/XI/2020 tanggal of Directors’ Decision Letter Number 106/INT-HRD/XI/2020 dated
2 November 2020 tentang Perubahan Kepala Satuan Kerja Audit November 2, 2020, on the Change of Head of Internal Audit Unit
Internal (SKAI) PT Bank Oke Indonesia, Tbk. (SKAI) of PT Bank Oke Indonesia, Tbk.
Riwayat Pendidikan Educational Background
Sarjana Ekonomi Akuntansi dari Universitas Jenderal Soedirman, Bachelor’s Degree in Economics majoring in Accounting from
Purwokerto, Jawa Tengah (2001). Universitas Jenderal Soedirman, Purwokerto, Central Java (2001).
Riwayat Jabatan Professional Background
• Internal Audit Department Head PT Bank Andara (2014-2019); • Internal Audit Department Head of PT Bank Andara
(2014-2019);
• Internal Audit Staff hingga Internal Audit Unit Head PT Bank of • Internal Audit Staff to Internal Audit Unit Head of PT Bank of
India Indonesia (2007-2014); serta India Indonesia (2007-2014); and
• Accounting Staff PT Bank Swadesi (2002-2007). • Accounting Staff of PT Bank Swadesi (2002-2007).
Rangkap Jabatan Concurrent Position
Beliau tidak memiliki rangkap jabatan, baik di internal maupun Does not hold any concurrent positions either within OK BANK or
eksternal OK BANK. externally.
Sertifikasi Certification
• Sertifikasi Anti-Fraud Manager (Refreshment 2024); • Anti-Fraud Manager Certification (Refreshment 2024);
• Sertifikasi Manajemen Risiko Jenjang 5 (2024); serta • Risk Management Certification Level 5 (2024); and
• Sertifikasi Profesi Internal Audit (2018). • Internal Audit Professional Certification (2018).
Hubungan Afiliasi Affiliated Relations
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Has no affiliation with the Members of the Board of Commissioners,
Anggota Direksi, dan Pemegang Saham Utama, baik langsung Members of the Board of Directors, or Major Shareholders, either
maupun tidak langsung sampai kepada pemilik individu. directly or indirectly, up to the individual owners.
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Pelatihan Kepala Satuan Kerja Audit Internal Training of the Head of Internal Audit Unit
Pelatihan bagi Kepala SKAI merupakan upaya penting untuk Training for the Head of SKAI is an important effort to ensure
memastikan kemampuan pemimpin fungsi audit tetap selaras that the leader of the audit function remains aligned with
dengan perkembangan praktik pengawasan, manajemen developments in oversight practices, risk management, and
risiko, dan regulasi yang berlaku. Melalui program pelatihan yang applicable regulations. Through ongoing training programs,
berkelanjutan, Kepala SKAI dapat memperdalam pengetahuan the Head of SKAI can deepen technical knowledge, enhance
teknis, meningkatkan keterampilan analitis, dan memperkuat analytical skills, and strengthen competencies in evaluating
kompetensi dalam mengevaluasi efektivitas pengendalian the effectiveness of internal controls. Moreover, training
internal. Selain itu, pelatihan juga mendukung pengembangan supports the development of leadership and communication
kemampuan kepemimpinan dan komunikasi, yang dibutuhkan skills, which are necessary to effectively present audit findings
untuk menyampaikan temuan audit secara efektif dan memberikan and provide improvement recommendations that add value
rekomendasi perbaikan yang bernilai bagi manajemen. Informasi to management. Information regarding the competency
mengenai pengembangan kompetensi yang diikuti oleh Kepala development programs attended by the Head of SKAI
SKAI sepanjang tahun 2025 diuraikan sebagai berikut: throughout 2025 is described as follows:
Metode
Program yang Diikuti Penyelenggara Waktu Pelatihan
Programs Attended Organizer Date Training
Method
Transformasi Digital: Tren Inovasi Teknologi di Sektor Keuangan. 23 Januari 2025
OJK Online
Digital Transformation: Technology Innovation Trends in the Financial Sector. January 23, 2025
Menakar Kebijakan Penghapusan Kredit Macet UMKM. 21 Maret 2025
LPPI Public
Assessing Policies on the Write-Off of Non-Performing MSME Loans. March 21, 2025
Idea Talks OJK Institute Volume 7 Tahun 2025 “Credit Scoring”. 21 April 2025
OJK Public
OJK Institute Idea Talks Volume 7, 2025: “Credit Scoring”. April 21, 2025
COBIT 2019 Foundation – an ISACA Accredited Course. Andalan Teknologi 20-21 Mei 2025
Online
COBIT 2019 Foundation – an ISACA Accredited Course. Inovasi May 20-21, 2025
Pembekalan Sertifikasi Audit Intern Bank Jenjang 6. 19-20 Agustus 2025
Maisa Edukasi Public
Preparation for Bank Internal Audit Certification Level 6. August 19-20, 2025
Pelaksanaan Uji Sertifikasi Audit Intern Bank Jenjang 6. 27 Agustus 2025
LSPP Public
Implementation of Bank Internal Audit Certification Test Level 6. August 27, 2025
Pemeliharaan Sertifikasi Manajemen Risiko Jenjang 5. 9 September 2025
Kovida Inhouse
Maintenance of Risk Management Certification Level 5. September 9, 2025
Tren Modus dan Skema Pencucian Uang Terbaru: Strategi Identifikasi, Mitigasi,
dan Penegakan Hukum. 18 September 2025
OJK Online
Latest Money Laundering Methods and Schemes: Strategies for Identification, September 18, 2025
Mitigation, and Law Enforcement.
Transformasi Generative AI: Peluang Generative Engine Optimization (GEO)
dalam Menggeser Dominasi Search Engine Optimization (SEO). 25 September 2025
OJK Public
Generative AI Transformation: Opportunities in Generative Engine Optimization September 25, 2025
(GEO) to Challenge the Dominance of Search Engine Optimization (SEO).
Fungsi Satuan Kerja Audit Internal Internal Audit Unit Function
Dalam menjalankan tugas dan tanggung jawabnya, SKAI In carrying out its duties and responsibilities, SKAI has
memiliki fungsi sebagaimana diuraikan berikut: the following functions:
1. Membantu memperbaiki dan memperkuat lingkungan 1. Assisting in improving and strengthening the Bank’s
pengendalian Intern di Bank; internal control environment;
2. Memberikan pandangan yang independen kepada Dewan 2. Providing an independent view to the Board of
Komisaris melalui Komite Audit dan Direksi terhadap Commissioners through the Audit Committee and to
kecukupan pengendalian intern dan kepatuhan terhadap the Board of Directors regarding the adequacy of internal
kebijakan dan prosedur; controls and compliance with policies and procedures;
3. Menyediakan jasa konsultasi yang memberikan nilai 3. Providing consulting services that add value and improve
tambah dan memperbaiki kegiatan operasional; serta operational activities; and
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4. Membantu Manajemen untuk mencapai tujuannya 4. Assisting Management in achieving its objectives through
dengan pendekatan yang sistematis dan disiplin untuk a systematic and disciplined approach to evaluating and
mengevaluasi dan memperbaiki efektivitas dari manajemen improving the effectiveness of risk management, control,
risiko, kontrol, dan proses tata kelola yang baik. and good governance processes.
Ruang Lingkup Tugas Satuan Kerja Audit Scope of Duties of the Internal Audit Unit
Internal
Ruang lingkup tugas SKAI mencakup: Scope of duties of SKAI include:
1. Pemeriksaan dan evaluasi terhadap efektivitas, efisiensi 1. Audit and evaluation of the effectiveness, efficiency, and
dan kecukupan pengendalian intern, manajemen risiko adequacy of internal controls, risk management, and
serta tata kelola secara berkesinambungan; governance on an ongoing basis;
2. Pemeriksaan dan evaluasi terhadap keandalan, efektivitas, 2. Audit and evaluation of the reliability, effectiveness, and
integritas dari proses dan sistem informasi manajemen; integrity of management processes and information systems;
3. Pemeriksaan dan evaluasi kepatuhan terhadap ketentuan 3. Audit and evaluation of compliance with prevailing laws
perundang-undangan; and regulations;
4. Pemeriksaan dan evaluasi terhadap kinerja organisasi; 4. Audit and evaluation of organizational performance;
5. Memberikan rekomendasi kepada Direksi untuk 5. Providing recommendations to the Board of Directors to
meningkatkan efektivitas pengendalian intern dan sistem enhance the effectiveness of internal controls and risk
manajemen risiko; management systems;
6. Mengidentifikasi alternatif perbaikan dan peningkatan 6. Identifying alternatives for improvement and enhancing
efisiensi serta efektivitas penggunaan sumber daya dan the efficiency and effectiveness of resource and fund
dana; utilization;
7. Melakukan investigasi atas kasus-kasus yang cukup 7. Conducting investigations into significant cases occurring
signifikan yang terjadi di Bank atau berdasarkan within the Bank or upon request from the Board of
permintaan Direksi, Dewan Komisaris, dan/atau Komite Directors, the Board of Commissioners, and/or the Audit
Audit; serta Committee; and
8. Melakukan pemeriksaan yang meliputi kegiatan segenap 8. Performing audits covering all activities within the Head
area Unit Kerja Kantor Pusat dan Kantor Cabang/Cabang Office Work Units as well as Branch Offices/Sub-Branch
Pembantu. Offices.
Tanggung Jawab Satuan Kerja Audit Internal Responsibilities of the Internal Audit Unit
SKAI memiliki tanggung jawab yang diuraikan sebagai berikut: SKAI has the following responsibilities:
1. Membantu melakukan pengawasan dengan melakukan 1. Assisting in supervisory activities by elaborating
penjabaran operasional baik perencanaan, pelaksanaan, operational procedures for audit planning, execution, and
maupun pemantauan hasil audit; monitoring of audit results;
2. Membuat analisis dan penilaian di bidang keuangan, 2. Conducting analysis and assessment in the areas of finance,
akuntansi, operasional, dan kegiatan lain melalui audit; accounting, operations, and other activities through audits;
3. Mengidentifikasikan kemungkinan pelaksanaan perbaikan 3. Identifying opportunities for improvements and enhancing
dan peningkatan efisiensi sumber daya; serta the efficiency of resource utilization; and
4. Memberikan saran/rekomendasi perbaikan dan informasi 4. Providing suggestions/recommendations for improvements
objektif terkait dengan objek yang diaudit. and objective information related to the audited objects.
Selain itu, Kepala SKAI dipandang memiliki kompetensi dan Furthermore, the Head of SKAI is considered to have
kemampuan yang memadai sehingga memiliki tanggung adequate competence and capability, and therefore has
jawab untuk: the responsibility for:
1. Memastikan pelaksanaan fungsi audit intern sesuai 1. Ensuring the implementation of internal audit function in
dengan Standar Profesional Audit Intern dan Kode Etik accordance with the Internal Audit Professional Standards
Audit Intern; and the Internal Audit Code of Conducts;
2. Memilih sumber daya manusia yang kompeten sesuai 2. Selecting competent human resources as needed to carry
dengan kebutuhan dalam pelaksanaan tugas SKAI; out SKAI’s duties;
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3. Memastikan anggota SKAI mengikuti pengembangan 3. Ensuring that SKAI members participate in continuous
profesional berkelanjutan serta pelatihan lain sesuai dengan professional development and other training in line with
perkembangan kompleksitas dan kegiatan usaha Bank; the increasing complexity and activities of the Bank’s
business operations;
4. Menyusun dan mengkaji piagam audit intern secara periodik; 4. Preparing and periodically reviewing the internal audit charter;
5. Menyusun rencana audit tahunan dan alokasi anggaran 5. Preparing the annual audit plan and budget allocation for
untuk pelaksanaan fungsi audit internal; the implementation of the internal audit function;
6. Memastikan pelaksanaan audit intern sesuai dengan 6. Ensuring the implementation of internal audits in
rencana audit internal; accordance with the internal audit plan;
7. Melaporkan temuan yang signifikan kepada Direksi untuk 7. Reporting significant findings to the Board of Directors for
dilakukan tindakan perbaikan dalam waktu yang cepat; prompt corrective action;
8. Memantau tindakan perbaikan atas temuan yang signifikan; 8. Monitoring corrective actions on significant findings; and
serta
9. Melaporkan hasil pemantauan tindak lanjut perbaikan 9. Reporting the results of follow-up monitoring on significant
atas temuan yang signifikan kepada Direksi dan Dewan findings to the Board of Directors and the Board of
Komisaris, dengan tembusan kepada Komite Audit dan Commissioners, with copies sent to the Audit Committee
Direktur yang membawahkan fungsi kepatuhan. and the Director in charge of the compliance function.
Kewenangan Satuan Kerja Audit Internal Authorities of the Internal Audit Unit
Kepala SKAI juga memiliki wewenang dalam menjalankan The Head of SKAI also has the authority to carry out the duties
tugas dan tanggung jawabnya sebagaimana diuraikan berikut: and responsibilities, as outlined below:
1. SKAI diberi kebebasan dalam menetapkan metode, cara, 1. SKAI is granted the freedom to determine audit methods,
teknik, dan pendekatan audit yang dilakukan sesuai dengan procedures, techniques, and approaches in accordance
profesi dan standar internal audit; with the internal audit profession and standards;
2. SKAI dalam melaksanakan tugasnya diberikan wewenang 2. In performing its duties, SKAI is granted full authority
penuh untuk mendapatkan akses terhadap seluruh to access all relevant information concerning the Bank
informasi yang relevan tentang Bank terkait dengan tugas related to its roles and functions;
dan fungsi SKAI;
3. SKAI menyelenggarakan rapat secara berkala dan insidentil 3. SKAI holds regular and incidental meetings with the Board of
dengan Direksi, Dewan Komisaris, serta Komite Audit; Directors, Board of Commissioners, and the Audit Committee;
4. Melakukan komunikasi langsung dengan Direksi, Dewan 4. Communicate directly with the Board of Directors, Board of
Komisaris, dan Komite Audit; Commissioners, and the Audit Committee;
5. Melakukan koordinasi dengan auditor eksternal; 5. Coordinates with external auditors;
6. Mengikuti rapat yang bersifat strategis; 6. Participates in strategic meetings;
7. SKAI mendapat dukungan sepenuhnya dari Direksi untuk 7. SKAI receives full support from the Board of Directors to
dapat bekerja dengan bebas tanpa campur tangan dari operate independently without interference from any party;
pihak mana pun;
8. SKAI dalam melaksanakan tugasnya berwenang untuk 8. In carrying out its duties, SKAI has the authority to request
mendapat bantuan personil dari unit-unit kerja di Bank di personnel assistance from relevant working units within
mana audit dilaksanakan, juga jasa khusus lainnya dari the Bank where the audit is conducted, as well as to utilize
dalam maupun luar Bank; other specialized services from within or outside the Bank;
9. SKAI tidak memiliki wewenang dan/atau tanggung jawab 9. SKAI does not have the authority and/or responsibility to
untuk melaksanakan kegiatan-kegiatan operasional Bank; carry out the Bank’s operational activities;
10. SKAI berwenang untuk memberikan tanggapan atas 10. SKAI is authorized to provide feedback on proposed policies
usulan kebijakan atau sistem dan prosedur untuk dapat or systems and procedures to ensure that internal control
memastikan bahwa dalam kebijakan ataupun sistem aspects are incorporated into new policies or systems; and
yang baru tersebut telah dimasukkan pula aspek-aspek
pengendalian intern; serta
11. SKAI berwenang untuk memberikan Konfirmasi Hasil Audit 11. SKAI is authorized to issue an Audit Result Confirmation
(KHA) kepada auditee. (KHA) to the auditee.
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Independensi Satuan Kerja Audit Internal Independence of the Internal Audit Unit
Independensi SKAI dijaga melalui jalur komunikasi langsung SKAI’s independence is maintained through direct
dengan Direksi, Dewan Komisaris, dan Komite Audit, yang communication channels with the Board of Directors, the Board
memungkinkan SKAI menyampaikan temuan dan penilaian of Commissioners, and the Audit Committee, allowing SKAI
secara objektif tanpa adanya intervensi dari unit operasional to present findings and assessments objectively without
lain. Hasil komunikasi ini kemudian dilaporkan kepada Direktur any intervention from other operational units. The results
Utama, dengan tembusan kepada Direktur Kepatuhan, sehingga of this communication are then reported to the President
seluruh pihak terkait memperoleh informasi yang akurat dan Director, with copies to the Director of Compliance, ensuring
transparan. Mekanisme ini memperkuat posisi SKAI sebagai that all relevant parties receive accurate and transparent
pengawas internal yang bebas dan profesional, sekaligus information. This mechanism strengthens SKAI’s position as
memastikan rekomendasi perbaikan dapat ditindaklanjuti an independent and professional internal supervisor, while
secara efektif demi peningkatan tata kelola perusahaan. also ensuring that improvement recommendations can be
effectively followed up to enhance corporate governance.
Dalam upaya menegakkan independensinya, SKAI diwajibkan In its effort to uphold independence, SKAI is required to:
untuk:
1. Mampu mengungkapkan pandangan dan pemikirannya 1. Be able to express its views and opinions without influence
tanpa pengaruh ataupun tekanan dari pihak lain; or pressure from any party;
2. Memiliki kebebasan dalam menetapkan metode, cara, dan 2. Have the freedom to determine the methods, procedures,
teknik pendekatan audit yang dilakukan; and audit approach techniques used;
3. Melaksanakan fungsinya dengan objektif, tercermin pada 3. Perform its function objectively, reflected in comprehensive,
laporan yang lengkap, objektif serta berdasarkan analisis unbiased reports based on thorough and impartial analysis;
yang cermat dan tidak memihak; serta and
4. Bebas dari pertentangan kepentingan (conflict of interest) 4. Be free from any conflict of interest related to the objects or
atas objek atau kegiatan yang diperiksa. activities being audited.
Larangan Perangkapan Tugas Satuan Kerja Prohibition of Concurrent Positions for
Audit Internal the Internal Audit Unit
SKAI diwajibkan untuk menjalankan fungsinya secara fokus SKAI is required to perform its functions with focus and
dan profesional, tanpa adanya percampuran atau perangkapan professionalism, without any overlap or combination of duties
tugas dengan unit lain. Untuk mewujudkan hal tersebut, maka with other units. To ensure this, SKAI is prohibited from:
SKAI dilarang untuk:
1. Merangkap jabatan lain yang berkaitan dengan kegiatan 1. Holding concurrent positions related to the Bank’s
operasional Bank; dan operational activities; and
2. Melaksanakan tugas-tugas yang berhubungan secara 2. Carrying out tasks directly or indirectly related to
langsung atau tidak langsung dengan unit kerja yang the working units that are the objects of the audit.
merupakan objek audit.
Kualifikasi atau Sertifikasi Profesi Satuan Qualifications or Professional Certification
Kerja Audit Internal for the Internal Audit Unit
Kualifikasi dan sertifikasi profesi bagi anggota SKAI menjadi Qualifications and professional certifications for SKAI
salah satu aspek penting dalam memastikan kompetensi dan members are an important aspect of ensuring the competence
profesionalisme pelaksanaan audit internal. Dengan latar and professionalism of internal audit execution. With relevant
belakang pendidikan, pengalaman, dan sertifikasi yang relevan, educational backgrounds, experience, and certifications,
anggota SKAI mampu memahami standar audit, manajemen SKAI members are able to understand audit standards, risk
risiko, dan praktik tata kelola perusahaan yang baik. Sertifikasi management, and good corporate governance practices.
profesional juga mendukung penguasaan metodologi audit, Professional certifications also support mastery of audit
etika kerja, dan kemampuan analitis yang diperlukan untuk methodologies, work ethics, and analytical skills required to
mengevaluasi efektivitas pengendalian internal. Informasi evaluate the effectiveness of internal controls. Information
mengenai kualifikasi atau sertifikasi profesi yang dimiliki regarding the qualifications or professional certifications held
anggota SKAI diuraikan sebagai berikut: by SKAI members is described as follows:
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Jumlah
Personil Tersertifikasi
No. Jenis Sertifikasi Type of Certification
Number of
Certified Personnel
1. Sertifikasi Profesi Internal Audit (Auditor) 3 Internal Audit Professional Certification (Auditor)
2. Sertifikasi Profesi Internal Audit (Supervisor) 2 Internal Audit Professional Certification (Supervisor)
3. Sertifikasi Profesi Internal Audit (Manajer) 1 Internal Audit Professional Certification (Manager)
4. Sertifikasi Manajemen Risiko Jenjang 5 1 Risk Management Certification Level 5
5. Sertifikasi Manajemen Risiko Jenjang 4 5 Risk Management Certification Level 4
6. Sertifikasi Manajemen Risiko Level 1 1 Risk Management Certification Level 1
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Satuan Kerja Audit Internal of the Internal Audit Unit
Pelatihan dan peningkatan kompetensi bagi SKAI merupakan Training and competency development for SKAI is a strategic
langkah strategis untuk memastikan kualitas dan efektivitas step to ensure that the quality and effectiveness of the internal
fungsi audit internal tetap terjaga. Melalui program audit function are maintained. Through ongoing development
pengembangan yang berkelanjutan, anggota SKAI dapat programs, SKAI members can deepen their understanding
memperdalam pemahaman terkait standar audit, manajemen of audit standards, risk management, and good corporate
risiko, dan praktik tata kelola perusahaan yang baik. Selain itu, governance practices. In addition, this training helps enhance
pelatihan ini membantu meningkatkan kemampuan analitis, analytical, communication, and problem-solving skills, enabling
komunikasi, dan pemecahan masalah, sehingga setiap temuan audit findings to be evaluated and recommended professionally.
audit dapat dievaluasi dan direkomendasikan secara profesional. Information regarding the competency development programs
Informasi mengenai pengembangan kompetensi yang diikuti attended by SKAI members throughout 2025 is described as
oleh anggota SKAI sepanjang tahun 2025 diuraikan sebagai follows:
berikut:
Metode
Program yang Diikuti Penyelenggara Waktu Pelatihan
Programs Attended Organizer Date Training
Method
Analisa Kredit Korporasi. 20-21 Maret 2025
Value Consult Online
Corporate Credit Analysis. March 20-21, 2025
Menakar Kebijakan Penghapusan Kredit Macet UMKM. 21 Maret 2025
LPPI Online
Assessing Policies on the Write-Off of Non-Performing MSME Loans. March 21, 2025
Pelatihan Audit Intern Bank Kualifikasi IV KKNI Supervisor. 15 April 2025
Maisa Edukasi Online
Bank Internal Audit Training for KKNI Level IV Supervisor Qualification. April 15, 2025
Pelatihan Audit Intern Bank Kualifikasi IV KKNI Auditor. 23 April 2025
Maisa Edukasi Online
Bank Internal Audit Training for KKNI Level IV Auditor Qualification. April 23, 2025
Pelaksanaan Uji Sertifikasi Audit Intern Bank Kualifikasi IV. 2 Mei 2025
LSPP Offline
Implementation of Bank Internal Audit Certification Test Qualification IV. May 2, 2025
Pelaksanaan Uji Sertifikasi Audit Intern Bank Kualifikasi IV. 16 Mei 2025
LSPP Offline
Implementation of Bank Internal Audit Certification Test Qualification IV. May 16, 2025
COBIT 2019 Foundation – an ISACA Accredited Course. Andalan Teknologi 20-21 Mei 2025
Offline
COBIT 2019 Foundation – an ISACA Accredited Course. Inovasi May 20-21, 2025
The Future of Cybersecurity: Threats, Challenges, and Innovations. 5 Juni 2025
OJK Institute Online
The Future of Cybersecurity: Threats, Challenges, and Innovations. June 5, 2025
Agentic AI in Finance: A New Era of Autonomous Decision Making. 3 Juli 2025
OJK Institute Online
Agentic AI in Finance: A New Era of Autonomous Decision Making. July 3, 2025
Tren Modus dan Skema Pencucian Uang Terbaru: Strategi Identifikasi, Mitigasi,
dan Penegakan Hukum. 18 September 2025
OJK Institute Online
Latest Money Laundering Methods and Schemes: Strategies for Identification, September 18, 2025
Mitigation, and Law Enforcement.
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Metode
Program yang Diikuti Penyelenggara Waktu Pelatihan
Programs Attended Organizer Date Training
Method
Transformasi Generative AI: Peluang Generative Engine Optimization (GEO)
dalam Menggeser Dominasi Search Engine Optimization (SEO). 25 September 2025
OJK Institute Online
Generative AI Transformation: Opportunities in Generative Engine Optimization September 25, 2025
(GEO) to Challenge the Dominance of Search Engine Optimization (SEO).
Fraud Prevention and Document Forensics (Graphonomy) Training. 15 November 2025
One Point Offline
Fraud Prevention and Document Forensics (Graphonomy) Training. November 15, 2025
Penilaian Lembaga Independen Assessment by Independent Institution
Bank secara rutin melakukan penilaian terhadap fungsi SKAI The Bank routinely conducts assessments of SKAI function,
khususnya terkait penggunaan TI, sebagai upaya memastikan particularly regarding the use of IT, as an effort to ensure compliance
kepatuhan terhadap POJK Nomor 1/POJK.03/2019 tentang with POJK Number 1/POJK.03/2019 on the Implementation
Penerapan Fungsi Audit Intern pada Bank Umum dan POJK of Internal Audit Function in Commercial Banks and POJK
Nomor 11/POJK.03/2022 tentang Penyelenggaraan Teknologi Number 11/POJK.03/2022 on the Implementation of Information
Informasi oleh Bank Umum. Penilaian ini bertujuan untuk Technology by Commercial Banks. This assessment aims to
mengevaluasi efektivitas pengendalian internal, integritas evaluate the effectiveness of internal control, the integrity of
sistem TI, dan kesesuaian proses audit internal dengan standar IT system, and the alignment of internal audit process with
regulasi serta praktik terbaik di industri perbankan. regulatory standards and industry best practices.
Sebagai bentuk pemenuhan kewajiban tersebut, Bank telah As part of fulfilling this obligation, the Bank had conducted
melaksanakan kaji ulang berkala setiap 3 (tiga) tahun yang a periodic review every 3 (three) years, carried out in July 2025 by
dilakukan pada bulan Juli 2025 oleh Kantor Akuntan Publik (KAP) the Public Accounting Firm (KAP) Syarif Wibawa and Partners.
Syarif Wibawa dan Rekan. Hasil kaji ulang ini dituangkan dalam The results of this review are documented in Report Number
Laporan Nomor RPT/BTW/254/25005 tanggal 8 Agustus 2025, RPT/BTW/254/25005 dated August 8, 2025, which discussed
yang membahas Laporan Hasil Review Fungsi SKAI dan the Review Report of the SKAI Function and the use of IT for
penggunaan TI untuk periode tahun 2022-2025. Dengan penilaian the 2022–2025 period. With the assessment by this independent
oleh lembaga independen ini, Bank dapat memastikan bahwa institution, the Bank can ensure that the internal audit function
fungsi audit internal dan pemanfaatan TI berjalan secara efektif, and IT utilization operate effectively, transparently, and in
transparan, dan sesuai dengan standar tata kelola yang berlaku. accordance with applicable governance standards.
Laporan Pelaksanaan Tugas Satuan Kerja Report on Implementation of Internal Audit
Audit Internal Unit’s Duties
Sepanjang tahun 2025, SKAI telah melaksanakan berbagai Throughout 2025, SKAI carried out various tasks, both related
tugas, baik terkait pelaksanaan pemeriksaan maupun to audit activities and its consultative function. In performing
dalam rangka fungsi konsultatif. Dalam pelaksanaan fungsi its audit function, SKAI conducted examinations covering
pemeriksaan SKAI melakukan pemeriksaan meliputi Cabang/ Branches/Sub-Branches and the Head Office related to
Capem dan Kantor Pusat terkait kegiatan perkreditan maupun credit and operational activities. SKAI also audited the Bank’s
operasional. SKAI juga melakukan pemeriksaan aktivitas activities, including the Implementation of AML-CTF and CPF,
Bank, antara lain Penerapan APU PPT PPSPM, Aspek Internal Internal Controls and Payment System Security, and IT and
dan Security Sistem Pembayaran, Pemeriksaan Aspek TI dan Security Aspects.
Security.
Atas hasil pemeriksaan yang dilakukan, SKAI telah memberikan Based on the audits conducted, SKAI provided recommendations
rekomendasi perbaikan untuk selanjutnya dilakukan tindak for improvements, which were then followed up by the relevant
lanjut oleh Divisi/Unit terkait. Laporan atas hasil pemeriksaan Divisions/Units. Reports on the audit results were submitted to
telah disampaikan kepada Direktur Utama, Direktur terkait, the President Director, the relevant Directors, and the Board of
serta Dewan Komisaris melalui Komite Audit. Commissioners through the Audit Committee.
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Penerapan Fungsi Kepatuhan
Implementation of Compliance Function
Penerapan Fungsi Kepatuhan dilakukan untuk memastikan The Compliance Function is implemented to ensure that all
seluruh aktivitas usaha OK BANK mengikuti ketentuan hukum, business activities of OK BANK adhere to applicable laws,
regulasi perbankan, dan kebijakan internal yang berlaku. banking regulations, and internal policies. This function
Fungsi ini memantau risiko kepatuhan, memberikan panduan monitors compliance risks, provides guidance to work units, and
kepada unit kerja, dan menyusun langkah mitigasi agar potensi develops mitigation measures to prevent potential violations
pelanggaran dapat dicegah sejak awal. Melalui pengawasan from the outset. Through consistent oversight, the compliance
yang konsisten, fungsi kepatuhan membantu menciptakan function helps foster a culture of discipline in adhering to and
budaya disiplin dalam menaati dan melaksanakan regulasi, implementing regulations, maintaining operational integrity,
menjaga integritas operasional, dan memperkuat kepercayaan and strengthening stakeholder confidence in OK BANK.
pemangku kepentingan terhadap OK BANK.
Fungsi Kepatuhan OK BANK berada di bawah kepemimpinan seorang Direktur Kepatuhan
yang ditunjuk secara khusus untuk memastikan seluruh kegiatan Bank mematuhi peraturan
perundang-undangan dan kebijakan internal yang berlaku. Direktur Kepatuhan bekerja
sama dengan Divisi Compliance dalam mengidentifikasi, memantau, dan mengelola risiko
kepatuhan, sekaligus memberikan arahan dan rekomendasi untuk mencegah potensi
pelanggaran. Kolaborasi ini memungkinkan penerapan praktik kepatuhan yang konsisten
di seluruh lini operasional, sehingga mendukung tata kelola perusahaan yang baik dan
memperkuat integritas Bank di mata regulator maupun pemangku kepentingan.
The Compliance Function of OK BANK is led by a Director of Compliance, specifically appointed
to ensure that all Bank activities comply with applicable laws and regulations, and internal
policies. The Director of Compliance works closely with the Compliance Division to identify,
monitor, and manage compliance risks, while also providing guidance and recommendations
to prevent potential violations. This collaboration enables the consistent implementation of
compliance practices across all operational lines, supporting good corporate governance and
strengthening the Bank’s integrity in the eyes of regulators and stakeholders.
OK BANK membentuk Divisi Compliance yang bersifat OK BANK has established an independent Compliance Division
independen sebagai dukungan langsung bagi Direktur to provide direct support to the Director of Compliance.
Kepatuhan yang membawahi fungsi Kepatuhan. Keberadaan The Compliance Division is designed to reinforce the consistent
Divisi Compliance ini dirancang untuk memperkuat penerapan application of compliance policies across all Bank operations
kebijakan kepatuhan secara konsisten di seluruh operasional while ensuring objectivity in oversight, free from the influence
Bank, sekaligus memastikan objektivitas dalam pengawasan of other business units’ interests. The independent structure
tanpa terpengaruh oleh kepentingan unit bisnis lainnya. Struktur of the Compliance Division allows compliance risk monitoring
independen Divisi Compliance memungkinkan pemantauan dan and evaluation to be conducted comprehensively and
evaluasi risiko kepatuhan dilakukan secara menyeluruh dan professionally.
profesional.
Selain itu, Divisi Compliance memiliki peran penting dalam Moreover, the Compliance Division plays a key role in
mengawasi dan memastikan penerapan program APU PPT supervising and ensuring that the AML-CTF and CPF program
PPPSPM berjalan sesuai dengan peraturan yang berlaku. Divisi is implemented in accordance with applicable regulations.
Compliance bertugas menilai efektivitas prosedur internal, The division is responsible for assessing the effectiveness of
melakukan pemantauan transaksi, dan memberikan arahan internal procedures, monitoring transactions, and providing
serta rekomendasi perbaikan jika diperlukan. Dengan peran guidance and recommendations for improvements when
tersebut, Divisi Compliance tidak hanya mendukung kepatuhan necessary. Through this role, the Compliance Division not only
terhadap regulasi, tetapi juga memperkuat integritas, supports regulatory compliance but also strengthens the Bank’s
transparansi, dan tata kelola Bank secara keseluruhan. overall integrity, transparency, and governance.
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Satuan Kerja Kepatuhan melakukan fungsi kepatuhan Bank The Compliance Unit carries out the Bank’s compliance
yang bertujuan untuk: functions, with the following objectives:
1. Mewujudkan terlaksananya budaya kepatuhan pada 1. Fostering a culture of compliance at all levels of
seluruh tingkatan organisasi dan kegiatan usaha Bank; the organization and in all of the Bank’s business activities;
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank; 2. Managing compliance risks faced by the Bank;
3. Memastikan agar kebijakan, ketentuan, sistem, dan prosedur 3. Ensuring that the Bank’s policies, regulations, systems, and
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai procedures, as well as business activities, comply with the
dengan ketentuan OJK, Bank Indonesia, dan peraturan regulations of the OJK, Bank Indonesia, and prevailing laws
perundang-undangan yang berlaku; and regulations;
4. Memastikan kepatuhan OK BANK terhadap komitmen yang 4. Ensuring OK BANK’s compliance with the commitments
dibuat oleh Bank kepada OJK, Bank Indonesia dan Otoritas made to the OJK, Bank Indonesia, and other Supervisory
Pengawas lain; serta Authorities; and
5. Memastikan seluruh permintaan data dan/atau informasi 5. Ensuring that all data and/or information requests from
dari OJK atau regulator telah ditindaklanjuti dan the OJK or regulators are responded to and submitted in a
disampaikan secara tepat waktu. timely manner.
Aktivitas Kepatuhan Tahun 2025 2025 Compliance Activities
1. Melakukan kaji ulang kebijakan dan prosedur yang 1. Conducting a review of policies and procedures issued
diterbitkan Bank agar tidak bertentangan dengan ketentuan by the Bank to ensure they do not conflict with applicable
yang berlaku, sebagai berikut: regulations, as follows:
• Kebijakan dan Prosedur Watchlist Ver. 2.1 • Watchlist Policy and Procedure Ver. 2.1
• Kebijakan dan Prosedur Rekening Giro Ver. 1.4 • Current Account Policy and Procedure Ver. 1.4
• Kebijakan dan Prosedur Literasi dan Inklusi Keuangan • Financial Literacy and Inclusion Policy and Procedure
Ver. 1.1 Ver. 1.1
• Kebijakan Produk Pinjaman Ritel Ver. 2.2 • Retail Loan Product Policy Ver. 2.2
• Kebijakan EDC Merchant Ver. 1.1 • EDC Merchant Policy Ver. 1.1
• Kebijakan Tata Kelola Siber dan Digital Bank Ver. 1.0 • Bank Cyber and Digital Governance Policy Ver. 1.0
• Kebijakan Business Continuity Management (BCM) • Business Continuity Management (BCM) Policy
Ver. 1.3 Ver. 1.3
• Prosedur Risiko Likuiditas dan Risiko Pasar Ver. 1.2 • Liquidity Risk and Market Risk Procedure Ver. 1.2
• Prosedur Produk Pinjaman Ritel Ver. 2.0 • Retail Loan Product Procedure Ver. 2.0
• Prosedur Perkreditan Ver. 5.1 • Credit Procedure Ver. 5.1
• Prosedur Fraud Handling Ver. 2.0 • Fraud Handling Procedure Ver. 2.0
• Prosedur SIM ATK Ver. 2.1 • SIM ATK Procedure Ver. 2.1
• Petunjuk Operasional ATM Ver. 1.1 • ATM Operational Guidelines Ver. 1.1
• Kebijakan dan Prosedur Administrasi Kredit Ver. 1.3 • Credit Administration Policy and Procedure Ver. 1.3
• Kebijakan dan Prosedur Giro di Bank Lain Ver. 1.3 • Interbank Current Account Policy and Procedure Ver. 1.3
• Kebijakan dan Prosedur Transparansi Produk Ver. 1.2 • Product Transparency Policy and Procedure Ver. 1.2
• Kebijakan dan Prosedur Pengembangan Produk Ver. 1.2 • Product Development Policy and Procedure Ver. 1.2
• Prosedur Manajemen Super User Ver. 1.1 • Super User Management Procedure Ver. 1.1
• Kebijakan dan Prosedur Antasena Ver. 1.3 • Antasena Policy and Procedure Ver. 1.3
• Prosedur Perhitungan dan Pelaporan Suku Bunga • Credit Interest Calculation and Reporting Procedure
Dasar Kredit Ver. 1.3 Ver. 1.3
• Kebijakan dan Prosedur Chart of Account Ver. 1.2 • Chart of Account Policy and Procedure Ver. 1.2
• Kebijakan dan Prosedur Cost of Fund Ver. 1.2 • Cost of Fund Policy and Procedure Ver. 1.2
• Prosedur Penunjukan Advokat Eksternal Ver. 1.1 • Appointment of External Counsel Procedure Ver. 1.1
• Kebijakan dan Prosedur Corporate Internet Banking • Corporate Internet Banking Policy and Procedure
Ver. 1.3 Ver. 1.3
• Kebijakan dan Prosedur Penunjukan AP dan KAP Ver. 1.2 • Appointment of AP and KAP Policy and Procedure Ver. 1.2
• Kebijakan dan Prosedur Pengelolaan Informasi Rekam • Policy and Procedure for Managing Actor Track Record
Jejak Pelaku melalui Sistem Informasi Pelaku Information through the Actor Information System
• Kebijakan Operasional Teknologi Informasi • Information Technology Operational Policy
• Kebijakan Kredit Tanpa Agunan (KTA) dalam Mobile • Unsecured Loan (KTA) Policy in Mobile Banking
Banking Ver. 1.1 Ver. 1.1
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• Prosedur KTA dalam Mobile Banking Ver. 1.0 • KTA Procedure in Mobile Banking Ver. 1.0
• Kebijakan Perkreditan Ver. 1.5 • Credit Policy Ver. 1.5
• Petunjuk Teknis Pelaksanaan Top Up • Top-Up Technical Implementation Guidelines
• Kebijakan dan Prosedur Rekening Antar Kantor Ver. 1.2 • Interoffice Account Policy and Procedure Ver. 1.2
• Prosedur Perhitungan dan Pelaporan Rasio Penggunaan • Leverage Ratio Calculation and Reporting Procedure
Rasio Pengungkit (Leverage Ratio) Ver. 1.0 Ver. 1.0
• Prosedur Perhitungan dan Pelaporan Liquidity • Liquidity Coverage Ratio Calculation and Reporting
Coverage Ratio Ver. 1.0 Procedure Ver. 1.0
• Kebijakan dan Prosedur Deposito Berjangka Ver. 1.5 • Time Deposit Policy and Procedure Ver. 1.5
• Kebijakan Penempatan dan Penugasan Pegawai Ver. 1.2 • Employee Placement and Assignment Policy Ver. 1.2
• Kebijakan Penggunaan Alat Berbasis Kecerdasan • Policy on the Use of AI-Based Tools Ver. 1.0
Ver. 1.0
• Kebijakan dan Prosedur Call Center Ver. 1.3 • Call Center Policy and Procedure Ver. 1.3
• Kebijakan Kehadiran dan Cuti Pegawai Ver. 1.1 • Employee Attendance and Leave Policy Ver. 1.1
• Kebijakan Komite Pengarah Teknologi Informasi • IT Steering Committee Policy Ver. 1.2 and IT Steering
Ver. 1.2. dan Prosedur Komite Pengarah Teknologi Committee Procedure Ver. 1.0
Informasi Ver. 1.0
• Kebijakan ATM Operasional Ver. 1.2. dan Prosedur • ATM Operations Policy Ver. 1.2 and ATM Operations
ATM Operasional Ver. 1.3 Procedure Ver. 1.3
• Petunjuk Pelaksanaan Teknis Dokumen To Be Obtained • To Be Obtained (TBO) & Covenant Technical
(TBO) & Covenant Ver. 1.1 Implementation Guidelines Ver. 1.1
• Kebijakan dan Prosedur Sistem Layanan Informasi • Financial Information Services System Policy and
Keuangan Ver. 1.3 Procedure Ver. 1.3
• Kebijakan dan Prosedur Bancassurance Ver. 1.6 • Bancassurance Policy and Procedure Ver. 1.6
• Kebijakan dan Prosedur Akhir Tahun Ver. 1.2 • Year-End Policy and Procedure Ver. 1.2
• Prosedur Net Stable Funding Ratio Ver. 1.0 • Net Stable Funding Ratio Procedure Ver. 1.0
• Kebijakan dan Prosedur Keamanan Teknologi Informasi • IT Security Policy and Procedure Ver. 1.1
Ver. 1.1
2. Memberikan opini/kajian kepatuhan (Compliance 2. Providing Compliance Advisory to ensure that products,
Advisory) untuk memastikan bahwa produk, layanan, services, and activities established by the Bank do not
dan aktivitas yang diterbitkan Bank tidak bertentangan violate applicable regulations. During 2025, the Compliance
dengan ketentuan yang berlaku. Selama tahun 2025, Divisi Division conducted reviews and provided advice on a total
Compliance telah melakukan review dan saran sejumlah of 150 (one hundred fifty) compliance reviews, moreover,
150 (seratus lima puluh) compliance review, selain itu Divisi the Compliance Division issued opinions regarding
Compliance juga memberikan opini terkait penerapan CDD, the implementation of CDD, EDD, and AML Checking for
EDD, dan AML Checking untuk calon debitur sebanyak 184 prospective debtors for 184 (one hundred eighty-four)
(seratus delapan puluh empat) request dan AML Screening requests, and AML Screening in the Know Your Employee
pada proses Know Your Employee (KYE) sebanyak 55 (lima (KYE) process for 55 (fifty-five) requests.
puluh lima) request.
3. Memantau dan memastikan pemenuhan atas komitmen 3. Monitoring and ensuring the fulfillment of follow-up
tindak lanjut terkait dengan hasil pemeriksaan yang commitments related to the results of examination
dilakukan oleh OJK posisi Juni 2025. Selama tahun 2025, conducted by OJK as of June 2025. Throughout 2025, all
seluruh komitmen hasil pemeriksaan yang disampaikan commitments resulting from regulator examinations were
oleh pihak regulator dapat dipenuhi dan tidak melewati met within the agreed timelines.
batas waktu yang telah disepakati.
4. Melaksanakan tugas untuk membangun budaya kepatuhan 4. Carrying out tasks to build a compliance culture by
dengan melakukan diseminasi peraturan dari regulator disseminating regulations from regulators, particularly those
terkait, khususnya yang berdampak kepada kegiatan usaha impacting the Bank’s business activities, to all employees,
Bank, kepada seluruh karyawan, Direksi, dan Komisaris the Board of Directors, and the Board of Commissioners,
sebanyak 41 (empat puluh satu) diseminasi. totaling 41 (forty-one) dissemination sessions.
5. Melakukan fungsi liaison Bank dengan pihak regulator serta 5. Performing liaison functions between the Bank and
melakukan pendampingan khususnya yang berhubungan regulators, as well as providing guidance particularly
dengan pengajuan perizinan/persetujuan produk/aktivitas related to the submission of licensing/approval for new
baru. products or activities.
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6. Pemenuhan permintaan data serta informasi dari regulator 6. Fulfilling requests for data and information from regulators,
termasuk koordinasi dan komunikasi dengan regulator including coordination and communication with regulators
(OJK, BI, LPS, PPATK, dan instansi terkait lainnya) dalam (OJK, BI, LPS, PPATK, and other relevant agencies) in the
rangka pengawasan maupun hal-hal bersifat ad hoc oleh context of supervision or ad hoc matters requested by
regulator. regulators.
7. Bank telah memiliki Kebijakan Pelindungan Data Pribadi 7. The Bank has a Personal Data Protection (PDP) Policy to
(PDP) untuk memastikan keselarasan dengan prinsip dan ensure alignment with the principles and provisions of the
ketentuan dalam Undang-Undang PDP. Bank senantiasa PDP Law. The Bank continuously coordinates with internal
berkoordinasi dengan unit kerja dan pihak ketiga yang work units and third parties cooperating with the Bank
bekerja sama dengan Bank terkait pemenuhan Pelindungan regarding Personal Data Protection, particularly in data
Data Pribadi dalam hal pertukaran data pribadi dan exchange and the fulfillment of data subject rights.
pemenuhan hak subyek data pribadi.
8. Melakukan analisa kajian, memberikan opini, dan 8. Conducting analyses, providing opinions, and reviewing
pemeriksaan kelengkapan dokumen kredit (Compliance the completeness of credit documents (Compliance
Checklist) terhadap Persetujuan kredit dengan nilai Checklist) for credit Approvals with certain threshold values
threshold dan kriteria tertentu, kajian dilakukan sebelum and criteria. The review is conducted prior to credit binding.
pengikatan kredit. Selain itu, melakukan penyediaan data In addition, the Bank provides AML Checking data, including
AML Checking berupa watchlist screening dan penelusuran watchlist screening and searches for negative information
informasi negatif melalui media massa/media online untuk through mass media/online media for prospective and/or
calon debitur dan/atau debitur. existing debtors.
Indikator Kepatuhan Tahun 2025 2025 Compliance Indicators
1. Rasio Kewajiban Penyediaan Modal Minimum (KPMM) 1. The Capital Adequacy Ratio (CAR), covering credit risk,
mencakup risiko kredit, risiko pasar dan risiko operasional market risk, and operational risk, was 42.00% well above OJK
adalah 42,00% berada jauh di atas ketentuan OJK (KPMM requirement (CAR based on PT Bank Oke Indonesia, Tbk.’s
berdasarkan profil risiko PT Bank Oke Indonesia, Tbk. yaitu risk profile is rated 2 (two).
peringkat 2 (dua).
2. Rasio NPL Gross posisi per 31 Desember 2025 adalah 2. The Gross NPL ratio as of December 31, 2025 was
2,50% dan NPL Net adalah 1,22%, berada dalam batas 2.50% and the Net NPL was 1.22%, both within the
yang diperkenankan ketentuan Bank Indonesia maksimal maximum limit of 5% stipulated by Bank Indonesia.
sebesar 5%.
3. Tidak ada pelampauan maupun pelanggaran Batas 3. There were no breaches or violations of the Legal Lending
Maksimum Pemberian Kredit (BMPK) dalam pemberian Limit (LLL) in the loan disbursement activities of PT Bank
kredit di PT Bank Oke Indonesia, Tbk., baik baik kepada Oke Indonesia, Tbk., either to customers or related parties.
nasabah maupun kepada pihak terkait.
4. Pemenuhan Giro Wajib Minimum (GWM) serta pengelolaan 4. Compliance with the Minimum Statutory Reserve (GWM)
Penyangga Likuiditas Makroprudensial (PLM) di atas and management of the Macroprudential Liquidity Buffer
ketentuan regulator. (PLM) above the regulatory requirements.
5. Komitmen terhadap OJK, Bank Indonesia, dan regulator 5. Commitments to OJK, Bank Indonesia, and other regulators
lainnya telah dipenuhi dengan baik. had been properly fulfilled.
Aktivitas Penerapan Program APU PPT Activities of AML – CTF and CPF
PPPSPM yang Dilakukan Selama Tahun 2025 Implementation Carried out in 2025
Penerapan program APU, PPT, dan PPPSPM merupakan bagian The implementation of the AML, CTF, and CPF programs is an
penting dari upaya Bank dalam menjaga integritas sistem important part of the Bank’s efforts to maintain the integrity
keuangan dan memastikan kepatuhan regulasi nasional of the financial system and ensure compliance with both
maupun standar internasional. OK BANK secara konsisten national regulations and international standards. OK BANK
telah melaksanakan berbagai aktivitas terkait penerapan has consistently carried out various activities related to
program APU, PPT, dan PPPSPM sebagai upaya berkelanjutan the implementation of the AML, CTF, and CPF programs as
dari komitmen Bank dalam membangun sistem pengendalian a continuous effort to uphold the Bank’s commitment
yang efektif, mendukung tata kelola yang baik dan melindungi to building an effective control system, supporting good
pemangku kepentingan dari praktik illegal. governance, and protecting stakeholders from illegal practices.
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Sepanjang tahun 2025, OK BANK telah menerapkan 5 (lima) Throughout 2025, OK BANK implemented the 5 (five) pillars of
pilar program APU, PPT, dan PPPSPM, antara lain sebagai the AML, CTF, and CPF programs, as follows:
berikut:
1. Pengawasan aktif Direksi dan Dewan Komisaris berupa 1. Active oversight by the Board of Directors and Board
pemberian persetujuan dan arahan-arahan strategis of Commissioners, including providing approvals and
pelaksanaan program APU, PPT, dan PPPSPM yang sejalan strategic guidance for the implementation of the AML,
dengan strategi bisnis dan kompleksitas usaha Bank; CTF, and CPF programs in line with the Bank’s business
strategy and operational complexity;
2. Kepemilikan ketentuan internal Bank, berupa kebijakan, 2. Possession of internal Bank regulations, in the form of
prosedur dan petunjuk teknis yang digunakan sebagai policies, procedures, and technical guidelines used as
pedoman kerja dan sistem pengendalian internal untuk work references and internal control systems to ensure
memastikan seluruh kegiatan operasional dan bisnis that all Bank operational and business activities are
Bank berjalan secara konsisten, efektif, dan sesuai dengan carried out consistently, effectively, and in accordance with
prinsip kehati-hatian yang didasarkan pada regulasi APU, the principles of prudence based on applicable AML, CTF,
PPT, dan PPPSPM yang berlaku di Indonesia maupun yang and CPF regulations in Indonesia as well as international
berlaku pada skala internasional. standards;
Kebijakan dan prosedur tersebut juga digunakan sebagai These policies and procedures are also used as tools for
sarana pengelolaan risiko, peningkatan kualitas layanan, risk management, service quality improvement, and as
serta dasar pengawasan dan evaluasi kinerja Bank, yang a basis for oversight and performance evaluation of
rutin dikaji dan dikinikan paling sedikit 1 (satu) kali dalam the Bank, which are reviewed and updated at least once
1 (satu) tahun; a year;
3. Pelaksanaan pengendalian intern secara memadai dan 3. Implementation of adequate and continuous internal
berkesinambungan. Pengendalian tersebut mencakup controls, covering compliance monitoring, risk
pemantauan kepatuhan, pengendalian risiko, dan management, and staff competency enhancement
peningkatan kompetensi pegawai melalui sosialisasi dan through socialization and training to ensure the effective
pelatihan guna memastikan efektivitas penerapan APU, implementation of AML, CTF, and CPF programs in
PPT, dan PPPSPM sesuai dengan regulasi yang berlaku accordance with applicable national and international
secara nasional dan internasional; regulations;
4. Kepemilikan sistem informasi manajemen yang secara 4. Possession of a management information system that
konsisten dikaji dan dikembangkan dalam rangka is consistently reviewed and developed to support
mendukung penerapan program APU, PPT, dan PPPSPM the implementation of AML, CTF, and CPF programs
melalui penyediaan data dan informasi yang akurat, by providing accurate, integrated, and timely data and
terintegrasi, dan tepat waktu, antara lain digunakan information, used for risk assessment, Customer Due
dalam melakukan penilaian risiko, pelaksanaan Customer Diligence (CDD) and Enhanced Due Diligence (EDD),
Due Diligence (CDD) dan Enhanced Due Diligence (EDD), transaction monitoring, and reporting to regulators in
pemantauan transaksi, serta pelaporan kepada regulator accordance with applicable regulations; and
sesuai ketentuan yang berlaku; serta
5. Peningkatan kualitas sumber daya manusia yang 5. Continuous improvement of human resources quality
berkelanjutan melalui penyaringan pegawai dan pelatihan through employee selection and training, aimed at ensuring
yang bertujuan agar pegawai memiliki kompetensi dan that employees have the competence and understanding
pemahaman dalam menerapkan program APU, PPT, dan to implement AML, CTF, and CPF programs effectively,
PPPSPM secara efektif, konsisten, dan sesuai dengan consistently, and in compliance with applicable laws and
ketentuan peraturan perundang-undangan yang berlaku regulations to prevent potential misuse of Bank services.
untuk mencegah potensi penyalahgunaan layanan Bank.
Penerapan 5 (lima) pilar di atas secara garis besar diuraikan The implementation of the above 5 (five) pillars is broadly
melalui aktivitas penerapan program APU, PPT, dan PPPSPM described through the activities related to the AML, CTF, and
sepanjang tahun 2025, antara lain sebagai berikut: CPF programs throughout 2025, as follows:
1. Pemenuhan pembaharuan data nasabah sampai dengan 1. Fulfillment of customer data updates as of the end of
akhir Desember 2025 adalah 2.362 (dua ribu tiga ratus December 2025 which reached 2,362 CIFs (two thousand
enam puluh dua) CIF dari total target 2.362 (dua ribu tiga three hundred sixty-two) out of a total target of 2,362 CIFs
ratus enam puluh dua) CIF (100%); (100%);
2. Pemberian persetujuan oleh Direksi dan/atau Dewan 2. Approvals by the Board of Directors and/or Board of
Komisaris pelaksanaan program APU, PPT, dan PPPSPM, Commissioners for the implementation of the AML, CTF,
antara lain pembuatan dan pengkinian kebijakan dan and CPF programs, including the creation and updating
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prosedur terkait APU, PPT, dan PPPSPM; pengembangan of policies and procedures related to AML, CTF, and CPF,
sistem; penunjukan Unit Kerja Khusus APU, PPT, dan system development, appointment of the AML, CTF, and
PPPSPM; pemenuhan kewajiban laporan kepada Regulator CPF Special Work Unit, fulfillment of reporting obligations
dan Aparat Penegak Hukum; dan sebagainya; to Regulators and Law Enforcement authority; and other
related activities;
3. Melakukan kaji ulang dan pengkinian kebijakan dan 3. Reviewing and updating of AML, CTF, and CPF policies and
prosedur APU, PPT, dan PPPSPM; procedures;
4. Pembaruan database watchlist (OFAC List, UN List, PEP 4. Updating watchlist database (OFAC List, UN List, PEP List,
List, DTTOT List, DPPSPM, Judi Online, SIPENDAR, dan DTTOT List, DPPSPM, Online Gambling, SIPENDAR, and
lainnya) pada sistem internal. Selain itu, telah dilakukan others) in the internal system. In addition, periodic PEP
monitoring PEP secara berkala terhadap nasabah baru monitoring was conducted for new customers based on
berdasarkan informasi pada aplikasi Politically Exposed information from the Politically Exposed Persons (PEP)
Persons (PEP) milik PPATK; application maintained by PPATK;
5. Menyampaikan kewajiban-kewajiban pelaporan kepada 5. Submitting reporting obligations to OJK, including
OJK, antara lain laporan APU PPT, laporan target dan AML/CTF reports, reports on targets and actual updates of
realisasi pengkinian data nasabah, laporan terkait DTTOT, customer data, reports related to DTTOT, and other reports
dan laporan lain yang wajib disampaikan secara reguler that must be submitted regularly to OJK;
kepada OJK;
6. Menyampaikan kewajiban laporan transaksi keuangan, 6. Submitting financial transaction reports, new customer
laporan nasabah baru melalui SIPESAT, laporan terkait reports via SIPESAT, reports related to DPPSPM, and other
DPPSPM, dan laporan lainnya yang diminta oleh PPATK; reports requested by PPATK;
7. Menyampaikan data dan/atau informasi yang diminta 7. Submitting data and/or information requested by Bank
oleh Bank Indonesia, regulator lain serta Aparat Penegak Indonesia, other regulators, and Law Enforcement
Hukum dalam rangka penerapan program APU, PPT, dan Authorities in the implementation of AML, CTF, and CPF
PPPSPM; programs;
8. Pelaksanaan uji petik penerapan program APU, PPT, 8. Implementation of sampling audits of AML, CTF, and
dan PPPSPM pada 5 (lima) kantor cabang PT Bank Oke CPF programs at 5 (five) PT Bank Oke Indonesia, Tbk.
Indonesia, Tbk., yaitu Mangga Dua, Juanda, Surabaya, branch offices, namely Mangga Dua, Juanda, Surabaya,
Perniagaan, dan Bandung. Uji petik tersebut bertujuan Perniagaan, and Bandung. These sampling audits aim to
untuk memastikan pembukaan rekening di kantor cabang ensure that account openings at branch offices comply
telah sesuai dengan prosedur yang berlaku, sekaligus with applicable procedures and serve as a discussion
sebagai wadah diskusi antara karyawan cabang dengan forum between branch staff and the AML, CTF, and CPF
Unit Kerja Khusus APU, PPT, dan PPPSPM terkait dengan Special Work Unit regarding program implementation;
penerapan program APU, PPT, dan PPPSPM;
9. Pelaksanaan audit internal penerapan program APU, PPT, 9. Internal audits of AML, CTF, and CPF program implementation,
dan PPPPSM, baik di kantor cabang maupun di kantor conducted at both branch offices and the head office within
pusat pada Unit Kerja Khusus APU, PPT, dan PPPSPM; the AML, CTF, and CPF Special Work Unit;
10. Melakukan kaji ulang dan pengembangan sitem informasi 10. Reviewing and developing of the management information
manajemen, yaitu penambahan parameter alert transaksi system, including the addition of online gambling
judi online pada sistem monitoring transaksi keuangan transaction alert parameters in the suspicious transaction
mencurigakan, pengkinian field informasi walk-in-customer, monitoring system, updating walk-in customer information
dan pemilik manfaat, pengkinian parameter penilaian profil fields and beneficial owners, updating customer risk profile
risiko nasabah sesuai dengan sectoral risk assessment assessment parameters according to sectoral and national
dan national risk assessment, penambahan informasi risk assessments, adding counterparty information to
lawan transaksi pada mutasi rekening nasabah, pengkinian customer account statements; updating mandatory
mandatory data nasabah, dan sebagainya; serta customer data, and other improvements; and
11. Mengikutsertakan pejabat dan staf dalam sosialisasi, 11. Involving officers and staff in dissemination programs,
pelatihan, seminar, forum, rapat koordinasi, dan kegiatan training, seminars, forums, coordination meetings, and
lain yang diselenggarakan secara internal oleh Bank other activities organized internally by the Bank as well
maupun secara eksternal oleh PPATK, FKDKP, OJK, as externally by PPATK, FKDKP, OJK, other regulators, and
regulator lainnya dan pihak ketiga penyelenggara pelatihan, third-party training providers, as follows:
sebagaimana berikut ini:
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Internal
Bulan Month
Internal
• AML Awareness – Ketentuan proses CDD (Customer Due Diligence) dan/atau EDD (Enhanced Due Diligence)
calon debitur.
• AML Awareness – Format laporan APU PPT dan PPPSPM bulanan cabang.
• AML Awareness – Monitoring profil risiko dan status nasabah PEP.
Januari January
• AML Awareness – Provisions for the CDD (Customer Due Diligence) and/or EDD (Enhanced Due Diligence)
process for prospective debtors.
• AML Awareness – Format of the branch’s monthly AML, CTF, and CPF reports.
• AML Awareness – Monitoring of customer risk profiles and PEP status.
• Induction training batch XXV.
Februari February
• Induction training batch XXV.
• Pembahasan prosedur permintaan dan penyampaian data dan informasi untuk kepentingan analisis seleksi
Maret jabatan. March
• Discussion of procedures for requesting and providing data and information for position selection analysis.
• E-Learning APU, PPT, dan PPPSPM untuk karyawan retail credit & digital strategy dan retail business
development.
Mei May
• E-Learning on AML, CTF, and CPF for employees in retail credit, digital strategy, and retail business
development.
• AML Forum mengenai penghentian sementara transaksi rekening dorman.
• Induction training batch XXVI.
• AML CFT Info: reminder ketentuan kepatuhan APU, PPT, dan PPPSPM perusahaan rekanan/vendor dan/atau
jasa profesi yang menunjang kegiatan PT Bank Oke Indonesia ,Tbk.
• Morning sharing APU, PPT, dan PPPSPM cabang.
Juni June
• AML Forum on the temporary suspension of dormant account transactions.
• Induction Training Batch XXVI.
• AML CTF Info: reminder of compliance requirements for AML, CTF, and CPF for partner companies/vendors
and/or professional services supporting PT Bank Oke Indonesia, Tbk.
• Morning Sharing on AML, CTF, and CPF at branches.
• AML CFT Info – Panduan name screening terbaru.
• AML CFT Info – Pengkinian penunjukan karyawan UKK & PIC APU PPT serta pemegang User ID sistem AML.
• AML Forum – Sosialisasi IM kewajiban pengisian kuesioner penerapan program APU, PPT, dan PPPSPM.
Juli • AML CTF Info – Latest name screening guidelines. July
• AML CTF Info – Updating the appointment of UKK employees & AML CTF PICs, as well as holders of AML
system User IDs.
• AML Forum – Dissemination of IM obligations for completing the AML, CTF, and CPF program implementation
questionnaire.
• AML Forum - Ketentuan terbaru PPATK terkait penghentian sementara transaksi nasabah.
• AML Refreshment terkait Penerapan Program APU, PPT, dan PPSPM Terkait CDD dan/atau EDD nasabah.
Agustus August
• AML Forum - Latest PPATK provisions regarding the temporary suspension of customer transactions.
• AML Refreshment on AML, CTF, CPF Program Implementation related to customer CDD and/or EDD.
• In house Training – Suspicious financial transaction report (LTKM) .
Oktober October
• In-House Training – Suspicious financial transaction reporting (LTKM).
• Induction training batch XXVII.
Desember December
• Induction training batch XXVII.
Eksternal
Bulan Month
External
• Sosialisasi aplikasi pelaporan online (APOLO) OJK modul laporan insidental perbankan (BUK, BUS, dan UUS).
Januari • Dissemination of OJK online reporting application (APOLO) module for incidental banking reports (BUK, BUS, January
and UUS).
• Rapat koordinasi dan sosialisasi mengenai dukungan dan partisipasi Gernas 23 Tahun APU PPT dan PPSPM
bersama perwakilan pihak pelapor.
• Pertemuan koordinasi PPATK Tahun 2025.
Februari February
• Coordination meetings and dissemination on support and participation of 23rd Gernas for AML, CTF, and CPF
with reporting party representatives.
• 2025 PPATK Coordination Meeting.
• Webinar “Peningkatan Awareness terhadap Risiko Tindak Pidana terkait Investment Fraud dan Green
Maret Financial Crime”. March
• Webinar on: “Enhancing Awareness of Risks related to Investment Fraud and Green Financial Crime”.
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Eksternal
Bulan Month
External
• Meeting dengan PPATK terkait Koordinasi Lanjutan Kegiatan Presidential Lecture – Mitra Gernas.
• Mengikuti perlombaan Best Report Award (BREW) PPATK dalam Gerakan Nasional 23 Tahun APU, PPT, dan
PPPSPM.
April April
• Meeting with PPATK regarding further coordination for the Presidential Lecture activities – Gernas partners.
• Participating in the Best Report Award (BREW) competition organized by PPATK as part of the 23rd National
Movement for AML, CTF, and CPF.
• Focus Group Discussion bersama FKDKP: Penyusunan Individual Risk Assessment (IRA) APU PPT PPSPM.
• Mengikuti program mentoring berbasis risiko tindak pidana pencucian uang dan tindak pidana pendanaan
terorisme dari tindak pidana siber tahun 2025 secara tatap muka (onsite) yang diselenggarakan oleh PPATK.
Mei May
• Focus Group Discussion with FKDKP: Preparation of the Individual Risk Assessment (IRA) for AML, CTF, and CPF.
• Participating in a risk-based mentoring program on money laundering and terrorism financing resulting from
cybercrime in 2025, conducted onsite by PPATK.
• Penyampaian informasi penggunaan aplikasi SIPESAT Versi 3.0.
• Sosialisasi implementasi aplikasi SIPESAT Versi 3.0.
Juni June
• Information dissemination on the use of SIPESAT application Version 3.0.
• Dissemination of SIPESAT Version 3.0 implementation.
• Workshop Identifikasi Transaksi Keuangan Mencurigakan Batch 3 Tahun 2025.
• Complex proliferation financing and sanctions evasion schemes.
Juli July
• Workshop on Suspicious Financial Transaction Identification Batch 3, 2025.
• Complex proliferation financing and sanctions evasion schemes.
• Pembekalan dan uji sertifikasi APU, PPT, dan PPPSPM jenjang 5 dan 6.
• Peluncuran FIR on ML/TF tahun 2025 kepada bank umum.
• Kegiatan final and closing ceremony track AML Hackathon 2.0 tahun 2025.
Agustus August
• Training and certification for AML, CTF, and CPF levels 5 and 6.
• Launch of FIR on ML/TF 2025 for commercial banks.
• Final and closing ceremony activities for the AML Hackathon 2.0, 2025.
• Sosialisasi terkait pengisian kuesioner FIR on ML/TF Tahun 2025.
• Webinar "Trend, Modus dan Skema Pencucian Uang Terbaru: Strategi Identifikasi, Mitigasi, dan Penegakan
Hukum".
• Pengisian self-assessment melalui survei online dan mengikuti in depth interview FIR on ML/TF.
• Pengisian kuesioner penilaian risiko nasional terhadap Tindak Pidana Pencucian Uang, Tindak Pidana
Pendanaan Terorisme, dan Pendanaan Proliferasi Senjata Pemusnah Massal (NRA TPPU, TPPT, dan PPPSPM)
September tahun 2025. September
• Dissemination on completing the FIR on ML/TF 2025 questionnaire.
• Webinar on “Latest Trends, Methods, and Schemes of Money Laundering: Strategies for Identification,
Mitigation, and Law Enforcement”.
• Completion of self-assessment via online survey and participation in an in-depth interview for FIR on ML/TF.
• Completion of the national risk assessment questionnaire on Money Laundering, Terrorist Financing, and Funding
for the Proliferation of Weapons of Mass Destruction (NRA TPPU, TPPT, and PPPSPM) for 2025.
• Seminar FKDKP Batch 2 – Memahami pentingnya integritas dalam pengelolaan lembaga keuangan.
Oktober October
• FKDKP Seminar Batch 2 – Understanding the importance of integrity in financial institution management.
• Diseminasi “Penguatan Komite TPPU dalam Mencegah dan Memberantas Tindak Pidana Pencucian Uang
terkait Perjudian Online”.
• Diseminasi hasil penilaian Financial Integrity Rating on Money Laundering and Terrorist Financing (FIR on
ML/TF) tahun 2025.
November November
• Dissemination: “Strengthening the TPPU Committee in Preventing and Combating Money Laundering Related
to Online Gambling”.
• Dissemination of the 2025 Financial Integrity Rating on Money Laundering and Terrorist Financing (FIR on
ML/TF) results.
• Menghadiri babak semifinal dan final Anti-Money Laundering Debate Competition 2025.
• Menghadiri kegiatan Gernas – AML Smart Competition 2025.
• Menghadiri undangan sosialisasi pengembangan sistem informasi Program Anti-Pencucian Uang dan
Pencegahan Pendanaan Terorisme (SIGAP) tahun 2025.
• Mengikuti sosialisasi pengembangan sistem informasi program Anti-Pencucian Uang dan Pencegahan
Pendanaan Terorisme (SIGAP) tahun 2025.
Desember December
• Attending the semifinal and final rounds of the 2025 Anti-Money Laundering Debate Competition.
• Participating in the 2025 Gernas – AML Smart Competition.
• Attending the dissemination invitation for the development of the Anti-Money Laundering and Counter-Terrorist
Financing Information System (SIGAP) 2025.
• Participating in the dissemination for the development of the Anti-Money Laundering and Counter-Terrorist
Financing Information System (SIGAP) 2025.
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Audit Eksternal
External Audit
Audit eksternal merupakan proses penilaian independen yang External audit is an independent assessment process
dilakukan oleh auditor profesional guna memastikan Laporan conducted by professional auditors to ensure that OK BANK’s
Keuangan OK BANK disajikan secara wajar sesuai standar Financial Statements are fairly presented in accordance
akuntansi yang berlaku. Melalui audit ini, Bank memperoleh with applicable accounting standards. Through this audit,
evaluasi objektif mengenai keandalan informasi keuangan, the Bank obtains an objective evaluation of the reliability of
efektivitas pengendalian internal, dan kepatuhan terhadap financial information, the effectiveness of internal control, and
ketentuan yang relevan. Audit eksternal juga menjadi sarana compliance with relevant regulations. External audit also serves
penting untuk meningkatkan transparansi dan akuntabilitas Bank as an important means of enhancing the Bank’s transparency
kepada para pemangku kepentingan. Dengan adanya pemeriksaan and accountability to stakeholders. With a comprehensive
yang dilakukan secara menyeluruh, Bank dapat memperkuat examination in place, the Bank can strengthen public trust
kepercayaan publik sekaligus mendorong terciptanya praktik tata while promoting the implementation of better corporate
kelola yang lebih baik di seluruh tingkat organisasi. governance practices across all levels of the organization.
OK BANK telah melaksanakan berbagai kegiatan yang OK BANK has carried out various activities related to external
berhubungan audit eksternal yang terdiri dari: audit, which include:
1. Laporan Keuangan Bank telah diaudit oleh Akuntan Publik 1. The Bank’s Financial Statements have been audited by
yang independen, kompeten, profesional, dan objektif; an independent, competent, professional, and objective
Public Accountant;
2. Akuntan Publik yang ditunjuk oleh Bank untuk melakukan 2. The Public Accountant appointed by the Bank conducts
audit sesuai dengan standar profesional, perjanjian kerja, the audit in accordance with professional standards, work
dan ruang lingkup audit; agreements, and the scope of the audit;
3. Sesuai keputusan RUPS Tahunan, penunjukan Kantor 3. In accordance with the resolution of the Annual GMS,
Akuntan Publik dilakukan oleh Dewan Komisaris dengan the appointment of the Public Accounting Firm is carried
memperhatikan rekomendasi dari Komite Audit; out by the Board of Commissioners, by considering
the recommendations from the Audit Committee;
4. Penunjukan Kantor Akuntan Publik dilakukan sesuai 4. The appointment of the Public Accounting Firm is carried
dengan ketentuan yang berlaku antara lain: out in compliance with applicable regulations, including:
a. Merupakan KAP yang terdaftar di OJK; a. The AP Firm must be registered with the OJK;
b. Akuntan Publik (AP) hanya bisa memberikan b. A Public Accountant (PA) may only provide audit
penggunaan jasa audit atas informasi keuangan services for annual historical financial information
historis tahunan dari AP yang sama untuk 7 (tujuh) from the same PA for a cumulative period of 7 (seven)
tahun kumulatif yang diakumulasi sejak tahun buku years, starting from the 2017 financial year. The same
2017. Akuntan Publik hanya dapat digunakan kembali PA may only be re-engaged to provide audit services for
jasa audit atas informasi keuangan historis tahunan annual historical financial information after a cooling-
dari AP yang sama, setelah melewati masa jeda sesuai off period based on the PA’s role in the engagement,
dengan jenis peran AP dalam perikatan: as follows:
• AP bertindak sebagai rekan perikatan, masa jeda • If the PA acted as the engagement partner, a cooling-
selama 5 (lima) tahun buku pelaporan secara berturut- off period of 5 (five) consecutive reporting financial
turut; years is required;
• AP bertindak sebagai penanggung jawab penelaahan • If the PA acted as the person responsible for
pengendalian mutu perikatan, masa jeda selama the engagement quality control review, a cooling off
3 (tiga) tahun buku pelaporan secara berturut-turut; period of 3 (three) consecutive reporting financial
dan years is required; and
• Rekan perikatan audit lainnya, masa jeda selama • For other audit engagement partners, a cooling off
2 (dua) tahun buku pelaporan secara berturut- period of 2 (two) consecutive reporting financial
turut. years is required.
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NAMA DAN TAHUN KANTOR AKUNTAN PUBLIK SERTA AKUNTAN PUBLIK 2021-2025
Name and Year of the Public Accounting Firm and Public Accountant 2021-2025
Nama Akuntan
(Partner Penanggung Biaya
Tahun Kantor Akuntan Publik Opini
Jawab) Fee
Year Public Accountant Firm Opinion
Accountant’s Name (Rp)
(Partner of the PIC)
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan 258.500.000 Wajar
2021 Frendy Susanto
Paul Hadiwinata,Hidajat, Arsono, Retno, Palilingan & Partners (Include PPN) Unqualified
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan 266.400.000 Wajar
2022 Frendy Susanto
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Partners (Include PPN) Unqualified
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan 266.400.000 Wajar
2023 Frendy Susanto
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Partners (Include PPN) Unqualified
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan 271.950.000 Wajar
2024 Gideon
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Partners (Include PPN) Unqualified
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan 288.600.000 Wajar
2025 Gideon
Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Partners (Include PPN) Unqualified
Jasa Audit Lain yang Diberikan Other Audit Services Provided
Selain mengaudit Laporan Keuangan, KAP Paul Hadiwinata, In addition to auditing the financial statements, the public
Hidajat, Arsono, Retno, Palilingan & Rekan tidak memberikan accounting firm Paul Hadiwinata, Hidajat, Arsono, Retno,
jasa audit lain pada tahun 2025. Palilingan & Partners did not provide any other audit services
in 2025.
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Sistem Pengendalian Internal
Internal Control System
Sistem pengendalian internal dirancang untuk memastikan The internal control system is designed to ensure that all
seluruh proses dan kegiatan OK BANK berjalan secara efektif, processes and activities at OK BANK are carried out effectively,
aman, dan sesuai dengan kebijakan yang berlaku. Melalui securely, and in accordance with applicable policies. Through
mekanisme pengawasan yang terstruktur, sistem ini membantu structured oversight mechanisms, this system helps mitigate
mengurangi risiko kesalahan, kecurangan, dan ketidaksesuaian the risks of errors, fraud, and non-compliance that may
yang dapat memengaruhi operasional maupun pelaporan affect OK BANK’s operations and reporting. In addition to
OK BANK. Selain mendukung efisiensi dan ketertiban kerja, supporting efficiency and orderly workflows, internal control
pengendalian internal juga memperkuat akuntabilitas dan also strengthens accountability and reliability of information
keandalan informasi yang dihasilkan oleh setiap unit. Dengan generated by each unit. With controls implemented consistently,
pengendalian yang berjalan secara konsisten, OK BANK OK BANK is able to maintain operational stability.
mampu menjaga stabilitas operasional.
OK BANK telah melakukan beberapa bentuk terkait pengendalian OK BANK has implemented several forms of internal control as
internal sebagaimana diuraikan berikut: outlined below:
1. Penetapan limit dan kewenangan; 1. Establishment of limits and authority;
2. Review berjenjang; 2. Tiered review process;
3. Pemisahan fungsi (Segregation of duties); 3. Segregation of duties;
4. Compliance review; dan 4. Compliance review; and
5. Three line of defense. 5. Three lines of defense.
Pada tahun 2025, SKAI menetapkan Rencana Kerja sebagai In 2025, SKAI established a Work Plan as the main guideline
pedoman utama dalam pelaksanaan audit dan pengawasan for the implementation of internal audit and supervision
internal. Rencana tersebut disusun untuk memastikan setiap activities. The plan was prepared to ensure that each audit
kegiatan audit berjalan terarah, konsisten, dan sesuai dengan activity is conducted in a focused and consistent manner and
standar yang berlaku, sehingga mampu memberikan penilaian in accordance with applicable standards, thereby enabling
objektif terhadap efektivitas proses operasional maupun an objective assessment of the effectiveness of operational
kepatuhan internal. Setiap hasil audit yang dilakukan kemudian processes as well as internal compliance. The results of
disampaikan secara transparan melalui Laporan Pokok- each audit are then transparently communicated through
Pokok Hasil Audit Intern yang diterbitkan setiap semester, the Summary Report of Internal Audit Results, which is issued
yaitu pada semester I dan semester II, sebagai bentuk semiannually, in the first and second semesters, as a form of
akuntabilitas SKAI kepada manajemen. SKAI’s accountability to management.
Selain itu, SKAI juga menjalankan monitoring berkala untuk Furthermore, SKAI also carries out periodic monitoring to
memastikan tindak lanjut atas temuan audit sebelumnya telah ensure that follow-up actions on previous audit findings have
diimplementasikan dengan baik oleh unit terkait. Monitoring been properly implemented by the relevant units. Monitoring is
dilakukan secara random melalui kunjungan langsung ke conducted randomly through direct visits to various branches,
berbagai cabang, sehingga SKAI dapat memperoleh gambaran allowing SKAI to obtain a clear picture of the progress of
nyata mengenai progres perbaikan dan konsistensi penerapan improvements and the consistency of audit recommendation
rekomendasi audit. Upaya ini memperkuat efektivitas implementation. These efforts strengthen the effectiveness
fungsi pengawasan internal dan mendukung peningkatan of the internal oversight function and support continuous
kualitas tata kelola perusahaan secara berkelanjutan. improvements in the quality of corporate governance.
Tinjauan atas Efektivitas Sistem Pengendalian Review of the Effectiveness of Internal Control
Internal System
Bank menilai bahwa sistem pengendalian internal yang The Bank considers that the internal control system
diterapkan telah berjalan dengan cukup memadai untuk implemented has been operating at a sufficiently adequate level
mendukung kelancaran operasional dan kepatuhan terhadap to support smooth operations and compliance with applicable
regulasi yang berlaku. Peninjauan dilakukan secara berkala untuk regulations. Reviews are conducted periodically to ensure that
memastikan setiap prosedur dan mekanisme pengendalian each control procedure and mechanism is able to identify,
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mampu mengidentifikasi, mencegah, dan mengatasi risiko prevent, and address risks that may arise in business activities.
yang mungkin timbul dalam aktivitas bisnis. Hasil evaluasi The evaluation results indicate that internal controls provide
menunjukkan bahwa pengendalian internal memberikan dasar a strong foundation for management in making decisions,
yang kuat bagi manajemen dalam mengambil keputusan, safeguarding the integrity of the Financial Statements, and
menjaga integritas Laporan Keuangan, dan mendukung supporting the implementation of good corporate governance.
penerapan tata kelola perusahaan yang baik. Penerapan The overall implementation of internal controls is considered
pengendalian internal secara umum dinilai masih memadai adequate, and the Bank is committed to continuously
dan Bank berkomitmen akan terus melakukan pemantauan dan monitoring and improving internal controls as part of its
penyempurnaan pengendalian internal secara berkelanjutan commitment to prudence and regulatory compliance.
sebagai bagian dari komitmen terhadap prinsip kehati-hatian
dan kepatuhan terhadap ketentuan.
Pernyataan Direksi dan/atau Dewan Komisaris Statement of the Board of Directors and/or
atas Kecukupan Sistem Pengendalian Internal Board of Commissioners on the Adequacy
of the Internal Control System
Berdasarkan hasil evaluasi yang telah dilakukan, Dewan Based on the evaluations results, the Board of Commissioners
Komisaris dan Direksi menyatakan bahwa sistem pengendalian and the Board of Directors state that the internal control
internal yang diterapkan saat ini telah menunjukkan tingkat system currently implemented has demonstrated an adequate
efektivitas yang memadai. Pernyataan ini mencerminkan level of effectiveness. This statement reflects the confidence
keyakinan manajemen dan pengawas bahwa mekanisme of management and supervisory bodies that the existing
pengendalian, prosedur, dan kebijakan yang ada mampu control mechanisms, procedures, and policies are capable
mengelola risiko, menjaga kepatuhan terhadap peraturan, dan of managing risks, ensuring compliance with regulations,
mendukung tercapainya tujuan operasional Bank. Dengan and supporting the achievement of the Bank’s operational
pengakuan tersebut, Bank menegaskan komitmennya dalam objectives. With this acknowledgment, the Bank reaffirms
mempertahankan integritas, transparansi, dan kualitas tata its commitment to maintaining integrity, transparency, and
kelola perusahaan secara berkelanjutan. the quality of corporate governance on a sustainable basis.
Kesesuaian Sistem Pengendalian Internal Alignment of the Internal Control System
dengan Kerangka COSO – Internal Control with the COSO – Internal Control Framework
Framework
Penerapan sistem pengendalian internal Bank didasarkan pada The implementation of the Bank’s internal control system is
salah satu standar internasional Committee of Sponsoring based on an international standard, namely the Committee of
Organizations of the Treadway Commission (COSO) – Internal Sponsoring Organizations of the Treadway Commission (COSO) –
Control Framework, yang menjadi acuan dalam membangun Internal Control Framework, which serves as a reference in
mekanisme pengendalian yang efektif dan komprehensif. Sistem establishing effective and comprehensive control mechanisms.
ini dirancang untuk memastikan tercapainya tujuan operasional, This system is designed to ensure the achievement of
keandalan pelaporan keuangan, dan kepatuhan terhadap operational objectives, the reliability of financial reporting, and
peraturan yang berlaku. Dengan mengacu pada kerangka COSO, compliance with applicable regulations. By referring to the COSO
Bank dapat mengidentifikasi, menilai, dan mengelola risiko framework, the Bank is able to identify, assess, and manage risks
secara sistematis, sekaligus memperkuat struktur pengendalian systematically, while also strengthening the internal control
internal agar berjalan konsisten dan transparan. structure to operate consistently and transparently.
Evaluasi yang Dilakukan atas Efektivitas Evaluation Conducted on the Effectiveness
Sistem Pengendalian Internal of the Internal Control System
OK BANK melakukan evaluasi terkait efektivitas pengendalian OK BANK conducts evaluations of the effectiveness of internal
internal yang dilakukan melalui: control through the following measures:
1. Penilaian terhadap efektivitas pengendalian internal 1. The effectiveness of internal control is assessed
dilakukan secara berkala oleh SKAI sesuai dengan Rencana periodically by SKAI in accordance with the established
Tahunan Audit yang telah ditetapkan. Berdasarkan hasil Annual Audit Plan. Based on the results of internal audits
audit internal yang dilakukan sepanjang tahun 2025, conducted throughout 2025, internal controls were
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PT Bank Oke Indonesia, Tbk.
secara umum pengendalian internal sudah berjalan cukup generally functioning well, with continuous improvements
baik dengan tetap terus melakukan perbaikan sejalan being made in line with the recommendations provided.
dengan rekomendasi yang diberikan. Komitmen perbaikan The commitment to improvement will continue to be
akan senantiasa dipantau dan dilaporkan secara berkala monitored and reported regularly to the Board of Directors
kepada Direksi dan Komisaris. and the Board of Commissioners.
2. Penilaian atas pengendalian internal juga dilakukan melalui 2. Assessment of internal controls was also conducted
pelaksanaan penetration testing dan audit oleh pihak through penetration testing and audits by independent
independen atas ketahanan sistem pembayaran Bank dalam parties on the Bank’s payment system resilience,
hal ini Internet Banking dan Mobile Banking sebagai bagian including Internet Banking and Mobile Banking, as part of
dari penguatan sistem pengendalian internal Bank. strengthening the Bank’s internal control system.
3. Efektivitas pengendalian internal juga tercermin dari 3. The effectiveness of internal control is also reflected in
pelaksanaan fungsi supervisi, four eyes principal yang the implementation of supervision functions, the four
melekat pada setiap tahapan aktivitas operasional Bank, eyes principle embedded in every stage of the Bank’s
penetapan limitasi, serta wewenang dan tanggung jawab. operational activities, the establishment of limitations, as
Pelaksanaan review berjenjang oleh unit independen di well as clear authority and responsibilities. Tiered reviews
lini kedua dilakukan atas setiap Kebijakan, Prosedur serta by independent second-line units were carried out on all
Ketentuan Internal lainnya untuk memastikan tercukupinya Policies, Procedures, and other Internal Regulations to
aspek keamanan, mitigasi risiko, serta kepatuhan Bank ensure adequate security, risk mitigation, and the Bank’s
terhadap regulasi yang ada. compliance with applicable regulations.
4. Pemantauan dan evaluasi atas RBB yang telah ditetapkan 4. Monitoring and evaluation were performed on the RBB as
dan disetujui Direksi dan Komisaris. established and approved by the Board of Directors and
Board of Commissioners.
5. Pengendalian Internal dilakukan pula melalui pemantauan 5. Internal control was also exercised through monitoring
terhadap pemenuhan ketentuan dari regulator baik OJK, compliance with requirements from regulators, including
BI, Lembaga Penjamin Simpanan (LPS), PPATK dan OJK, BI, the Indonesia Deposit Insurance Corporation
regulator lain. Hal ini dilakukan untuk memastikan tidak (LPS), PPATK, and other regulators. This is done to ensure
adanya pelanggaran signifikan serta ketepatan waktu the absence of significant violations and the timely
penyampaian laporan ke regulator. submission of reports to regulators.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Penyediaan Dana kepada Pihak Terkait dan
Penyediaan Dana Besar
Provision of Funds to Related Parties and Large Exposure
OK BANK memiliki kebijakan internal yang mengatur OK BANK has internal policies regulating the provision of funds
penyediaan dana kepada pihak terkait dan penyediaan to related parties and large exposures, which are formulated
dana besar, yang disusun dengan mengacu pada regulasi with reference to applicable regulations, including the August
yang berlaku, termasuk BPMK Agustus 2021 dan POJK 2021 BMPK and POJK Number 32/POJK.03/2018 as amended
Nomor 32/POJK.03/2018 yang telah diubah dengan POJK by POJK Number 38/POJK.03/2019 on the Legal Lending Limit
Nomor 38/POJK.03/2019 tentang Batas Maksimum Pemberian and Large Exposures for Commercial Banks. These policies
Kredit dan Penyediaan Dana Besar Bagi Bank Umum. Kebijakan aim to ensure that all fund disbursements are carried out in
ini bertujuan untuk memastikan bahwa setiap pemberian dana a prudent and transparent manner and in accordance with
dilakukan secara prudent, transparan, dan sesuai dengan sound risk management principles.
prinsip manajemen risiko yang sehat.
Sepanjang tahun 2025, OK BANK telah mematuhi seluruh Throughout 2025, OK BANK complied with all provisions
ketentuan terkait penyediaan dana kepada pihak terkait related to the provision of funds to related parties and large
maupun penyediaan dana besar, tanpa tercatat adanya exposures, with no recorded violations. This compliance
pelanggaran. Kepatuhan ini menunjukkan konsistensi Bank reflects the Bank’s consistency in implementing responsible
dalam menjalankan praktik pemberian kredit dan pengelolaan lending practices and fund management, while also supporting
dana secara bertanggung jawab, sekaligus mendukung financial integrity and stability.
integritas dan stabilitas keuangan.
Informasi mengenai penyediaan dana kepada pihak terkait Information regarding OK BANK’s provision of funds to related
dan penyediaan dana besar OK BANK sepanjang tahun 2025 parties and large exposures throughout 2025 is outlined
diuraikan sebagai berikut: as follows:
Debitur Jumlah
No. Penyediaan Dana Provision of Funds
Debtor Total
1. Terkait 2 325.557 Related
2. Kepada Debitur Inti 25 6.523.167 To Main Debtor
Individu 13 3.078.644 Individual
Grup 12 3.444.523 Group
Sampai dengan akhir Desember 2025, Bank melakukan As of the end of December 2025, the Bank provided large
penyediaan dana besar kepada 4 (empat) grup debitur dan 2 exposure to 4 (four) debtor groups and 2 (two) individual
(dua) debitur individu dengan penyediaan dana besar sebesar debtors, totaling Rp3,151,402 million.
Rp3.151.402 juta.
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Transparansi Kondisi Keuangan dan Non-Keuangan
yang Belum Diungkap dalam Laporan Lainnya
Transparency of Financial and Non-Financial Conditions
Not Disclosed in Other Reports
Transparansi mengenai kondisi keuangan dan non-keuangan Transparency regarding financial and non-financial conditions
yang belum diungkap dalam laporan lainnya menjadi langkah that have not been disclosed in other reports is an important
penting untuk memberikan gambaran menyeluruh tentang step in providing a comprehensive overview of OK BANK’s
kesehatan dan kinerja OK BANK. Informasi tambahan ini financial health and performance. This additional information
mencakup aspek operasional, risiko, perkembangan strategis, includes operational aspects, risks, strategic developments, as
maupun hal material lain yang dapat memengaruhi penilaian well as other material matters that may influence stakeholders’
pemangku kepentingan. Dengan penyampaian yang jelas assessments. Through clear and accurate disclosure,
dan akurat, OK BANK dapat meningkatkan kepercayaan OK BANK can enhance public trust and ensure that
publik serta memastikan proses pengambilan keputusan decision-making processes by investors and regulators are
oleh investor dan regulator berlangsung dengan dasar based on more complete information.
informasi yang lebih lengkap.
Transparansi Kondisi Keuangan Transparency of Financial Condition
Transparansi kondisi keuangan merupakan prinsip penting Transparency in financial conditions is an important
dalam menjaga kepercayaan dan kredibilitas OK BANK, karena principle in maintaining OK BANK’s trust and credibility,
memungkinkan para pemangku kepentingan memahami as it enables stakeholders to understand how the Bank is
bagaimana OK BANK dikelola. Dengan keterbukaan yang managed. Through consistent disclosure, OK BANK is able to
konsisten, OK BANK dapat menunjukkan akuntabilitasnya demonstrate accountability in managing resources, making
dalam mengelola sumber daya, mengambil keputusan, dan decisions, and responding to changes in the operating
menghadapi perubahan lingkungan operasional. Upaya ini tidak environment. These efforts not only help foster healthier
hanya membantu menciptakan hubungan yang lebih sehat relationships between management and external parties,
antara pengelola dan pihak eksternal, tetapi juga mendorong but also encourage the creation of a professional, ethical,
terciptanya iklim kerja yang profesional, etis, dan berorientasi and long-term sustainability–oriented work environment.
pada keberlanjutan jangka panjang. Laporan yang diterbitkan The reports published by OK BANK in support of financial
oleh OK BANK dalam mendukung upaya transparansi transparency efforts are outlined as follows:
kondisi keuangan diuraikan sebagai berikut:
1. Laporan Tahunan, antara lain mencakup: 1. Annual Report, which covers:
a. Ikhtisar data keuangan, informasi saham, laporan a. A summary of financial data, share information,
Dewan Komisaris, laporan Direksi, profil perusahaan, reports from the Board of Commissioners, reports from
analisis dan pembahasan manajemen mengenai the Board of Directors, company profile, management
kinerja bisnis dan keuangan, tata kelola perusahaan, discussion and analysis on business and financial
dan tanggung jawab sosial perusahaan. performance, corporate governance, and corporate
social responsibility.
b. Laporan Keuangan Tahunan yang telah diaudit oleh b. Audited Annual Financial Statements prepared by a AP
AP dan KAP yang terdaftar di OJK. Laporan Keuangan and KAPregistered with the OJK. The Annual Financial
Tahunan dibuat untuk 1 (satu) tahun buku dan disajikan Statements are prepared for 1 (one) fiscal year and
dengan perbandingan 1 (satu) tahun buku sebelumnya. presented with a comparison to the previous fiscal year.
c. Pernyataan tanggung jawab Dewan Komisaris c. A statement of responsibility from the Board of
dan Direksi atas kebenaran isi Laporan Tahunan. Commissioners and the Board of Directors regarding
Pernyataan tersebut dituangkan dalam lembar the accuracy of the Annual Report content. This
pernyataan yang ditanda tangani oleh seluruh anggota statement is provided in a declaration form signed
Dewan Komisaris dan Anggota Direksi. by all members of the Board of Commissioners and
Board of Directors.
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TATA KELOLA PERUSAHAAN
Corporate Governance
2. Laporan Keuangan Publikasi Triwulan 2. Quarterly Published Financial Statements
Bank telah mengumumkan Laporan Keuangan Publikasi The Bank has announced the quarterly Published
secara triwulan yang ditandatangani oleh 2 (dua) Direksi Financial Statements signed by 2 (two) Bank Directors for
Bank untuk posisi bulan Maret, Juni, September, dan the months of March, June, September, and December on
Desember pada situs web Bank dan BEI sesuai ketentuan the Bank's website and IDX in accordance with applicable
yang berlaku. provisions.
3. Laporan Keuangan Publikasi Bulanan 3. Monthly Published Financial Statements
Bank menyampaikan Laporan Keuangan Publikasi Bulanan The Bank submits its Monthly Published Financial
dalam sistem laporan OJK dan dalam website Bank Statements through the OJK reporting system and
(www.okbank.co.id). publishes them on the Bank’s website (www.okbank.co.id).
Transparansi Kondisi Non-Keuangan Transparency of Non-Financial Condition
Transparansi kondisi non-keuangan menjadi bagian penting Transparency of non-financial conditions is an important
dalam memastikan nasabah dan masyarakat memperoleh element in ensuring that customers and the public obtain a
pemahaman yang lengkap mengenai operasional OK BANK. comprehensive understanding of OK BANK’s operations. To
Untuk mewujudkan hal tersebut, OK BANK menyediakan achieve this, OK BANK provides adequate information channels so
saluran informasi yang memadai sehingga berbagai pihak that various parties can access clear and accurate explanations.
dapat mengakses penjelasan yang jelas dan akurat. Informasi Information is delivered through various communication media,
disampaikan melalui beragam media komunikasi, termasuk including printed materials, such as brochures and leaflets,
materi cetak, seperti brosur dan leaflet, maupun bentuk penjelasan as well as other forms of written explanations designed to
tertulis lainnya yang dirancang untuk memberikan gambaran present information in an easy-to-understand manner. This
yang mudah dipahami. Pendekatan ini membantu memastikan approach helps ensure that those who need information
bahwa pihak yang membutuhkan dapat memperoleh informasi can obtain it without obstacles, whether for educational
tanpa hambatan, baik untuk tujuan edukasi maupun sebagai purposes or to support decision-making.
pendukung pengambilan keputusan.
Selain media cetak, OK BANK juga memanfaatkan platform Besides printed media, OK BANK also uses digital platforms as
digital sebagai bagian dari komitmen keterbukaan informasi. part of its commitment to information transparency. Through
Melalui situs web dan akun media sosial resmi, masyarakat its official website and social media accounts, the public can
dapat mengakses berbagai penjelasan terkait layanan, access various explanations regarding services, policies,
kebijakan, dan aspek non-keuangan lainnya secara lebih and other non-financial aspects in a more practical and
praktis dan cepat. Tidak hanya itu, setiap kantor cabang timely manner. Furthermore, each branch office is equipped
dilengkapi dengan layanan customer service yang siap with customer service personnel ready to provide additional
memberikan penjelasan tambahan secara langsung, sehingga explanations directly, ensuring that information needs are met
kebutuhan informasi dapat dipenuhi secara komprehensif. comprehensively. This combination of information channels
Kombinasi saluran informasi ini menunjukkan upaya OK BANK demonstrates OK BANK’s efforts to build transparent and
dalam membangun komunikasi yang transparan dan responsif responsive communication with the public.
terhadap kebutuhan publik.
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Informasi Lain yang terkait Tata Kelola Bank
Other Information related to Bank Governance
Setiap periode pelaporan, OK BANK menyajikan gambaran In each reporting period, OK BANK presents a comprehensive
menyeluruh mengenai penerapan tata kelola melalui overview of the implementation of good governance through
Laporan Tata Kelola Bank yang diterbitkan secara berkala. the Bank’s Governance Report, which is published on a regular
Dokumen ini memuat penjelasan lengkap tentang bagaimana basis. This document contains a complete explanation of
prinsip-prinsip tata kelola diterapkan pada seluruh tingkatan how governance principles are applied across all levels
organisasi, mulai dari pengelolaan risiko, pemenuhan of the organization, ranging from risk management and
regulasi, hingga penguatan transparansi dan akuntabilitas regulatory compliance to the strengthening of transparency
dalam operasional sehari-hari. Di dalamnya juga tercantum and accountability in daily operations. It also outlines
struktur organisasi beserta peran dan tanggung jawab Dewan the organizational structure, including the roles and responsibilities
Komisaris, Direksi, serta komite-komite pendukung yang of the Board of Commissioners, the Board of Directors, and
memiliki fungsi penting dalam memastikan proses pengawasan supporting committees that play an important role in ensuring
dan pengambilan keputusan berjalan secara efektif. effective oversight and decision-making processes.
Laporan ini turut menguraikan kebijakan dan prosedur The report also describes the policies and procedures that
yang menjadi landasan pelaksanaan audit internal dan form the basis for the implementation of internal and external
eksternal, pengelolaan SDM, serta pengelolaan dana dan audits, HR management, and the prudent management
aset Bank secara prudent. Selain aspek internal, OK BANK of the Bank’s funds and assets. In addition to internal
juga menampilkan komitmennya terhadap kinerja sosial aspects, OK BANK highlights its commitment to social and
dan lingkungan melalui berbagai inisiatif yang dijalankan, environmental performance through various initiatives,
termasuk program tanggung jawab sosial perusahaan (CSR). including corporate social responsibility (CSR) programs.
Dengan penyampaian informasi yang luas dan terstruktur Through this broad and well-structured disclosure, the report
tersebut, laporan ini menjadi wujud penguatan tata kelola yang serves as a manifestation of strengthened governance
bertujuan menjaga kepercayaan pemangku kepentingan dan aimed at maintaining stakeholder trust and supporting
mendukung keberlanjutan operasional Bank. the sustainability of the Bank’s operations.
Kepemilikan Saham Anggota Dewan Komisaris
dan Direksi yang Mencapai 5% (Lima Persen)
atau Lebih dari Modal Disetor pada Bank
atau Lembaga Lainnya
Share Ownership of Members of the Board of Commissioners and
Board of Directors that Reach 5% (Five Percent) or More Than
Paid-Up Capital in the Bank and Other Institutions
Sepanjang tahun 2025, Dewan Komisaris dan Direksi tidak Throughout 2025, the Board of Commissioners and
memiliki kepemilikan saham PT Bank Oke Indonesia, Tbk. the Board of Directors did not hold any shares in PT Bank
Oke Indonesia, Tbk.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Jumlah Penyimpangan Internal (Internal Fraud)
yang Terjadi dan Upaya Penyelesaian oleh Bank
Total Internal Fraud Incidents and Resolution Efforts
by the Bank
Dalam menjaga integritas operasional, OK BANK menerapkan In maintaining operational integrity, OK BANK implements
pemantauan dan evaluasi rutin terhadap setiap indikasi routine monitoring and evaluation of any indications of internal
penyimpangan internal sehingga potensi internal fraud irregularities so that potential internal fraud can be promptly
dapat segera diidentifikasi dan ditangani. Setiap temuan identified and addressed. Each finding is followed up through
ditindaklanjuti melalui prosedur penyelesaian yang telah established resolution procedures, including comprehensive
ditetapkan, mulai dari investigasi menyeluruh hingga investigations and the implementation of necessary corrective
penerapan langkah korektif yang diperlukan. Pendekatan ini measures. This approach is not only focused on handling
tidak hanya difokuskan pada penanganan kasus yang muncul, cases that arise, but also on prevention through strengthened
tetapi juga pada pencegahan melalui penguatan pengawasan, oversight, enhanced internal compliance, and continuous
peningkatan kepatuhan internal, dan perbaikan berkelanjutan improvements to systems and work processes. Through
atas sistem dan proses kerja. Dengan cara tersebut, OK BANK these efforts, OK BANK seeks to ensure a healthy, transparent,
berupaya memastikan lingkungan kerja yang sehat, transparan, and fraud-free working environment.
dan bebas dari praktik yang merugikan.
Informasi mengenai penyimpangan internal fraud sepanjang Information regarding internal fraud incidents throughout
tahun 2025 baik yang dilakukan oleh anggota Direksi, anggota 2025, whether committed by members of the Board of
Dewan Komisaris, karyawan tetap, karyawan tidak tetap, dan Directors, members of the Board of Commissioners, permanent
tenaga kerja alih daya diuraikan sebagai berikut: employees, non-permanent employees, or outsourced
personnel, is described as follows:
TABEL JUMLAH PENYIMPANGAN (INTERNAL FRAUD)
Table of the Number of Internal Fraud Cases
Jumlah Kasus yang Dilakukan oleh
Number of Cases Committed by
Karyawan Tidak Tetap
Anggota Direksi dan
dan Tenaga Kerja Alih
Dewan Komisaris
Karyawan Tetap Daya
Penyimpangan Members of the Board Internal Fraud
Permanent Employees Non-permanent
(Internal Fraud) of Directors and Board Cases within 1
Employees and
dalam 1 Tahun of Commissioners Year
Outsourced Personnel
Tahun Tahun Tahun Tahun Tahun Tahun
Sebelumnya Berjalan Sebelumnya Berjalan Sebelumnya Berjalan
Previous Current Previous Current Previous Current
Year Year Year Year Year Year
Jumlah Fraud - - - - - - Total Fraud
Diselesaikan - - - - - - Settled
Dalam Proses In the Process of
Penyelesaian di - - - - - - Internal Settlement
Internal Bank by the Bank
Settlement Efforts
Belum Diupayakan
- - - - - - Have Not Yet Been
Penyelesaiannya
Attempted
Ditindaklanjuti
Followed up through
melalui Proses - - - - - -
Legal Process
Hukum
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Permasalahan Hukum [GRI 2-27]
Legal Issues
Permasalahan hukum umumnya berkaitan dengan adanya Legal issues generally relate to disputes or legal proceedings
sengketa atau proses hukum yang muncul seiring dengan that arise in line with the dynamics of operational activities
dinamika kegiatan operasional dan hubungan dengan berbagai and relationships with various parties. Each case is handled
pihak. Setiap kasus yang terjadi ditangani melalui mekanisme through resolution mechanisms in accordance with applicable
penyelesaian yang sesuai ketentuan, mulai dari koordinasi provisions, starting from coordination with relevant units to
dengan unit terkait hingga pelibatan otoritas atau lembaga hukum the involvement of competent authorities or legal institutions.
yang berwenang. Dalam menindaklanjuti setiap permasalahan, In following up on each issue, OK BANK strives to ensure
OK BANK berupaya memastikan proses berjalan transparan, that the process is carried out transparently, objectively, and
objektif, dan sesuai prosedur agar tidak menimbulkan dampak yang in compliance with procedures so as not to cause broader
lebih luas terhadap operasional maupun kepercayaan pemangku impacts on operations or stakeholder trust. Information
kepentingan. Informasi mengenai permasalahan hukum yang regarding legal issues faced by the Bank throughout 2025 is
dihadapi Bank sepanjang tahun 2025 diuraikan sebagai berikut: outlined as follows:
Perdata Pidana PKPU Pailit
Kasus Hukum Legal Cases
Civil Criminal PKPU Bankruptcy
Telah Selesai Completed
(Putusan Berkekuatan Hukum 10 - 1 - (Final and Binding
Tetap/Inkracht) Decisions/Inkracht)
Dalam Proses Penyelesaian 9 1 1 - In Settlement Process
Jumlah 19 1 2 - Total
Jumlah Kasus 22 (dua puluh dua) kasus hukum / 22 (twenty-two) legal cases Total Cases
Beberapa perkara materil yang terjadi pada periode bulan Several material cases that occurred from January to December
Januari sampai dengan bulan Desember tahun 2025 dapat 2025 are presented in the following table:
dilihat pada tabel berikut:
A. Perkara Perdata yang Telah Selesai
Settled Civil Cases
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
1. PENGGUGAT/ Gugatan Perbuatan Tidak ada pengaruhnya teradap Mahkamah Agung pada tingkat
PT Prima Karya Global Melawan Hukum Bank. Adapun Bank hanya Peninjauan Kembali telah
(663/Pdt.G/2018/PN.Jkt.Se. ditarik sebagai Turut Tergugat memutuskan untuk menolak
TERGUGAT/ jo. 121/PDT/2021/PT DKI) untuk kelengkapan para pihak Permohonan Peninjauan
PT Sarana Cipta Intinusa terkait Pembatalan Kerja dalam perkara. Kembali.
Sama antara Penggugat dan
TURUT TERGUGAT I/ Tergugat.
PT Bank Oke Indonesia, Tbk. d/h
PT Bank Dinar Indonesia Tbk
TURUT TERGUGAT I/
PT Putra Karya Cemerlang
PLAINTIFF/ Lawsuit for Unlawful Acts There was no impact on the The Supreme Court, at the level
PT Prima Karya Global (663/Pdt.G/2018/PN.Jkt.Se. Bank. The Bank was only of Judicial Review, decided to
jo. 121/PDT/2021/PT DKI) named as a Co-Defendant to reject the Request for Judicial
DEFENDANT I/ Regarding the termination of complete the parties involved Review.
PT Sarana Cipta Intinusa the cooperation between the in the case.
Plaintiff and the Defendant.
CO-DEFENDANT I/
PT Bank Oke Indonesia, Tbk. d/h
PT Bank Dinar Indonesia Tbk
CO-DEFENDANT I/
PT Putra Karya Cemerlang
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
2. PENGGUGAT I/ Gugatan Perbuatan Tidak ada pengaruhnya Majelis Hakim pada Tingkat
Ficky Zulfikar Zazoeli Melawan Hukum terhadap Bank. Adapun Banding telah memutuskan
(625/Pdt.G/2023/PN.Jkt. Bank hanya ditarik sebagai untuk menguatkan Putusan
PENGGUGAT II/ Pst) pihak Turut Tergugat untuk Pengadilan Negeri Jakarta
Mathilda Petrina Zulfikar terkait Pelaksanaan Lelang kelengkapan para pihak dalam Pusat dan menyatakan Gugatan
Eksekusi Hak Tanggungan perkara. Tidak Dapat Diterima (Niet
PENGGUGAT III/ atas Jaminan PT Global Ontvankelijke Verklaard).
Neysa Radmilla Zulfikar Inspirasia Indonesia. Putusan telah inkracht karena
lewatnya masa tenggang waktu
TERGUGAT/ pengajuan upaya hukum kasasi.
PT Global Inspirasia Indonesia
TURUT TERGUGAT I/
PT Bank Oke Indonesia, Tbk.
TURUT TERGUGAT II/
PT Kompas Jaya Properti
TURUT TERGUGAT III/
Kantor Pertanahan Kota
Administrasi Jakarta Pusat
PLAINTIFF I/ Lawsuit for Unlawful Acts There was no impact on The Panel of Judges at
Ficky Zulfikar Zazoeli (625/Pdt.G/2023/PN.Jkt. the Bank. The Bank was only the Appellate Level decided
Pst) included as a Co-Defendant to to uphold the Central Jakarta
PLAINTIFF II/ Regarding the Execution complete the parties involved District Court ruling and declared
Mathilda Petrina Zulfikar Auction of Collateral Rights in the case. the Lawsuit Inadmissible
over the Guarantee of (Niet Ontvankelijke Verklaard).
PLAINTIFF III/ PT Global Inspirasia The decision had become final
Neysa Radmilla Zulfikar Indonesia. and binding (inkracht) as
the time limit for filing a
DEFENDANT/ cassation appeal had passed.
PT Global Inspirasia Indonesia
CO-DEFENDANT I/
PT Bank Oke Indonesia, Tbk.
CO-DEFENDANT II/
PT Kompas Jaya Properti
CO-DEFENDANT III/
Land Office of Central Jakarta
Administrative City
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Page 341
PT Bank Oke Indonesia, Tbk.
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
3. PENGGUGAT/ Gugatan Perbuatan Tidak ada pengaruhnya Majelis Hakim pada Tingkat
PT Diamond Citra Propertindo Melawan Hukum terhadap Bank karena perkara Banding telah memutuskan
(242/Pdt.G/2024/PN.Jkt. telah ditolak oleh Pengadilan. untuk menguatkan Putusan
TERGUGAT I/ Pst) Pengadilan Negeri Jakarta Pusat
PT Bank Oke Indonesia, Tbk. terkait Adanya Klausula dan menyatakan Gugatan Ditolak
Baku mengenai Pelarangan untuk seluruhnya. Putusan telah
TURUT TERGUGAT I/ Pengajuan Restrukturisasi inkracht karena lewatnya masa
Kantor Pertanahan Kota Depok Kredit dalam Perjanjian tenggang waktu pengajuan upaya
Kredit. hukum kasasi.
TURUT TERGUGAT II/
Kantor Pelayanan Kekayaan
Negara dan Lelang Bogor
TURUT TERGUGAT III/
Otoritas Jasa Keuangan
PLAINTIFF/ Lawsuit for Unlawful Acts There was no impact on The Panel of Judges at
PT Diamond Citra Propertindo (242/Pdt.G/2024/PN.Jkt. the Bank as the case was the Appellate Level decided
Pst) dismissed by the Court. to uphold the Central Jakarta
DEFENDANT I/ Regarding the Existence District Court ruling and Rejected
PT Bank Oke Indonesia, Tbk. of a Standard Clause on the Lawsuit in its entirety.
the Prohibition of the The decision had become final
CO-DEFENDANT I/ Submission of Credit and binding (inkracht) as
Land Office of Depok City Restructuring Requests in the time limit for filing
the Credit Agreement. a cassation appeal had passed.
CO-DEFENDANT II/
State Property and Auction
Service Office of Bogor
CO-DEFENDANT III/
Financial Services Authority
4. PEMBANTAH/ Gugatan Bantahan Tidak ada pengaruhnya Gugatan telah dicabut oleh
PT Diamond Citra Propertindo (271/Pdt.Bth/2025/PN.Jkt.Sel) terhadap Bank karena perkara Penggugat.
terkait dengan Pembatalan telah dicabut.
TERBANTAH I/ Lelang Eksekusi Hak
PT Bank Oke Indonesia, Tbk. Tanggungan karena Tidak
Sahnya Perjanjian Kredit.
TURUT TERBANTAH I/
Kantor Pertanahan Kota Depok
TURUT TERBANTAH II/
Kantor Pelayanan Kekayaan
Negara dan Lelang Bogor
TURUT TERBANTAH III/
Otoritas Jasa Keuangan
OBJECTOR/ Objection Lawsuit There was no impact on The lawsuit was withdrawn by
PT Diamond Citra Propertindo (271/Pdt.Bth/2025/PN.Jkt.Sel) the Bank as the case was the Plaintiff.
Regarding the Cancellation withdrawn.
RESPONDENT I/ of the Execution Auction
PT Bank Oke Indonesia, Tbk. of Collateral Rights due to
the Invalidity of the Credit
CO-RESPONDENT I/ Agreement.
Land Office of Depok City
CO-RESPONDENT II/
State Property and Auction
Service Office of Bogor
CO-RESPONDENT III/
Financial Services Authority
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
5. PEMBANTAH/ Gugatan Bantahan Tidak ada pengaruhnya Majelis Hakim pada Tingkat
PT Diamond Citra Propertindo (634/Pdt.BTH/2024/PN.Jkt. terhadap Bank karena perkara Banding telah memutuskan
Pst) telah ditolak oleh Pengadilan. untuk menguatkan Putusan
TERBANTAH I/ terkait Lelang Eksekusi Pengadilan Negeri Jakarta Pusat
PT Bank Oke Indonesia, Tbk. Hak Tanggungan yang dan menyatakan Gugatan Ditolak
Dilakukan oleh Terbantah I untuk seluruhnya. Putusan telah
TURUT TERBANTAH I/ dan Terbantah II terhadap inkracht karena lewatnya masa
Kantor Pertanahan Kota Depok Agunan Kredit Milik tenggang waktu pengajuan upaya
Pelawan. hukum kasasi.
TURUT TERBANTAH II/
Kantor Pelayanan Kekayaan
Negara dan Lelang Bogor
OBJECTOR/ Objection Lawsuit There was no impact on The Panel of Judges at
PT Diamond Citra Propertindo (634/Pdt.BTH/2024/PN.Jkt. the Bank as the case was the Appellate Level upheld
Pst) dismissed by the Court. the Central Jakarta District Court
RESPONDENT I/ Regarding the Execution ruling and Rejected the Lawsuit
PT Bank Oke Indonesia, Tbk. Auction of Collateral Rights in its entirety. The decision
Conducted by Respondent I had become final and binding
CO-RESPONDENT I/ and Respondent II over (inkracht) as the time limit for
Land Office of Depok City the Plaintiff’s Credit filing a cassation appeal had
Collateral. passed.
CO-RESPONDENT II
State Property and Auction
Service Office of Bogor
6. PELAWAN/ Gugatan Perlawanan Tidak ada pengaruhnya Gugatan telah dicabut oleh
PT Diamond Citra Propertindo (717Pdt.Plw/2025/PN.JKT. terhadap Bank karena perkara Penggugat.
Pst) telah dicabut.
TERLAWAN I/ terkait Lelang Eksekusi Hak
PT Bank Oke Indonesia, Tbk. Tanggungan yang Dilakukan
oleh Bank.
TERLAWAN II/
Kantor Pelayanan Kekayaan
Negara dan Lelang Bogor
TURUT TERLAWAN I/
Kantor Pertanahan Kota Depok
TURUT TERLAWAN II/
Otoritas Jasa Keuangan
TURUT TERLAWAN III/
Direktorat Jenderal Kekayaan
Negara (DJKN) Jawa Barat
OPPONENT/ Opposition Lawsuit There was no impact on The lawsuit was withdrawn by
PT Diamond Citra Propertindo (717/Pdt.Plw/2025/PN.JKT. the Bank as the case was the Plaintiff.
Pst) withdrawn.
COUNTERPARTY I/ Regarding the Execution
PT Bank Oke Indonesia, Tbk. Auction of Collateral Rights
Conducted by the Bank.
COUNTERPARTY II/
State Property and Auction
Service Office of Bogor
CO-COUNTERPARTY I/
Land Office of Depok City
CO-COUNTERPARTY II/
Financial Services Authority
CO-COUNTERPARTY III/
Directorate General of State
Assets (DJKN) of West Java
Laporan Tahunan dan Laporan Keberlanjutan
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PT Bank Oke Indonesia, Tbk.
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
7. PENGGUGAT/ Gugatan Perbuatan Tidak ada pengaruhnya Gugatan telah dicabut oleh
Triana Melawan Hukum terhadap Bank karena gugatan Penggugat.
(722/Pdt.G/2025/PN.Jkt. dicabut.
TERGUGAT I/ Pst)
PT Indo Nufood Indonesia terkait Pemberian Jaminan
Hak Tanggungan dalam
TERGUGAT II/ Perjanjian Kredit antara
PT Bank OCBC NISP Tbk Penggugat, Tergugat I, dan
Tergugat II.
TURUT TERGUGAT I/
PT Bank Oke Indonesia, Tbk.
PLAINTIFF/ Lawsuit for Unlawful Acts There was no impact on The lawsuit was withdrawn by
Triana (722/Pdt.G/2025/PN.Jkt. the Bank as the lawsuit was the Plaintiff.
Pst) withdrawn.
DEFENDANT I/ Regarding the Provision of
PT Indo Nufood Indonesia Collateral Rights in
the Credit Agreement
DEFENDANT II/ between the Plaintiff,
PT Bank OCBC NISP Tbk Defendant I, and Defendant II.
CO-DEFENDANT I/
PT Bank Oke Indonesia, Tbk.
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 341
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
8. PENGGUGAT/ Gugatan Perbuatan Tidak ada pengaruhnya Majelis Hakim telah memutuskan
Johan Dena Melawan Hukum terhadap Bank karena gugatan Gugatan Tidak Dapat Diterima
(1526/Pdt.G/2024/PN.Dps) telah dinyatakan tidak dapat (Niet Ontvankelijke Verklaard).
TERGUGAT I/ terkait Upaya Pembatalan diterima. Putusan telah inkracht karena
PT Bank OCBC NISP Tbk Lelang atas Aset SHM 7701/ telah lewatnya masa tenggang
Kel. Kuta. waktu pengajuan upaya hukum
TERGUGAT II/ banding.
Sim May Ling
TERGUGAT III/
PT Bank Oke Indonesia, Tbk.
TERGUGAT IV/
Kantor Pelayanan Kekayaan
Negara dan Lelang (KPKNL)
Denpasar
TERGUGAT V/
PT Ramayana Global Pratama
TERGUGAT VI/
Kantor Pertanahan Kabupaten
Badung
TURUT TERGUGAT I/
Notaris PPAT Muhamad Irsan
TURUT TERGUGAT II/
Notaris PPAT Anriz Nazaruddin
PLAINTIFF/ Lawsuit for Unlawful Acts There was no impact on The Panel of Judges had declared
Johan Dena (1526/Pdt.G/2024/PN.Dps) the Bank as the lawsuit was the Lawsuit Inadmissible (Niet
Regarding Efforts to Cancel declared inadmissible. Ontvankelijke Verklaard). The
DEFENDANT I/ the Auction of Asset with decision had become final and
PT Bank OCBC NISP Tbk SHM 7701/Kel. Kuta. binding (inkracht) as
the time limit for filing an appeal
DEFENDANT II/ had passed.
Sim May Ling
DEFENDANT III/
PT Bank Oke Indonesia, Tbk.
DEFENDANT IV/
State Property and Auction
Service Office (KPKNL) of
Denpasar
DEFENDANT V/
PT Ramayana Global Pratama
DEFENDANT VI/
Land Office of Badung Regency
CO-DEFENDANT I/
Notaris PPAT Muhamad Irsan
CO-DEFENDANT II/
Notaris PPAT Anriz Nazaruddin
Laporan Tahunan dan Laporan Keberlanjutan
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Annual Report and Sustainability Report
Page 345
PT Bank Oke Indonesia, Tbk.
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
9. PENGGUGAT/ Gugatan Perbuatan Tidak ada pengaruhnya Mahkamah Agung telah
PT Gunung Sugih Agung Melawan Hukum terhadap Bank karena gugatan memutuskan untuk Menolak
(825/Pdt.G/2023/PN.Jkt. telah dinyatakan tidak dapat Permohonan Kasasi yang
TERGUGAT I/ Pst) diterima. Diajukan oleh Pemohon Kasasi
Ahli Waris Alm. Dewi Ariyani terkait Pemindahbukuan d/h Pembanding d/h Penggugat
Bilyet Giro secara Melawan dan menyatakan Gugatan Tidak
TERGUGAT II/ Hukum. Dapat Diterima.
PT Bank Oke Indonesia, Tbk.
PLAINTIFF/ Lawsuit for Unlawful Acts There was no impact on The Supreme Court decided to
PT Gunung Sugih Agung (825/Pdt.G/2023/PN.Jkt. the Bank as the lawsuit was Reject the Cassation Petition
Pst) declared inadmissible. Filed by the Cassation Petitioner
DEFENDANT I/ Regarding the Illegal (formerly Appellant/Former
Ahli Waris Alm. Dewi Ariyani Transfer of Current Account Plaintiff) and declared
Certificates. the Lawsuit Inadmissible.
DEFENDANT II/
PT Bank Oke Indonesia, Tbk.
Laporan Tahunan dan Laporan Keberlanjutan
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berperkara Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No.
Litigant Parties Subject of Impact on the Status of Case/Lawsuit
Case/Lawsuit Condition of OK BANK Settlement
10. PENGGUGAT/ Gugatan Perbuatan Tidak ada pengaruhnya Majelis Hakim telah memutuskan
PT Globalindo Mekar Abadi Melawan Hukum terhadap Bank karena gugatan Gugatan Tidak Dapat Diterima
(677/Pdt.G/2025/PN.JKT. telah dinyatakan tidak dapat (Niet Ontvankelijke Verklaard).
TERGUGAT I/ SEL) diterima. Putusan telah inkracht karena
PT Bank Oke Indonesia, Tbk. terkait Proses Pengosongan lewatnya masa tenggang waktu
yang Dilakukan oleh pengajuan upaya hukum.
TERGUGAT II/ Tergugat II selaku Pemenang
Hendrinuk Rahmaningrum Lelang berdasarkan
Penetapan Pengadilan.
TERGUGAT III/
KPKNL Jakarta V
TERGUGAT IV/
Kantor Pertanahan Nasional
Kota Administratif Jakarta
Selatan
TERGUGAT V/
Sita Listiani, S.H., M.Kn, selaku
Notaris
TERGUGAT VI/
Ketua Pengadilan Negeri
Jakarta Selatan
TERGUGAT VII/
Otoritas Jasa Keuangan
PLAINTIFF/ Lawsuit for Unlawful Acts There was no impact on The Panel of Judges declared
PT Globalindo Mekar Abadi (677/Pdt.G/2025/PN.JKT. the Bank as the lawsuit was the Lawsuit Inadmissible
SEL) declared inadmissible. (Niet Ontvankelijke Verklaard).
DEFENDANT I/ Regarding the Eviction The decision had become final
PT Bank Oke Indonesia, Tbk. Process Carried Out by and binding (inkracht) as
Respondent II as the Winner the time limit for filing an appeal
DEFENDANT II/ of the Auction Based on had passed.
Hendrinuk Rahmaningrum the Court’s Decision.
DEFENDANT III/
KPKNL Jakarta V
DEFENDANT IV/
National Land Office of South
Jakarta Administrative City
DEFENDANT V/
Sita Listiani, S.H., M.Kn, as a
Notary
DEFENDANT VI/
Chief Judge of South Jakarta
District Court
DEFENDANT VII/
Financial Services Authority
Laporan Tahunan dan Laporan Keberlanjutan
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PT Bank Oke Indonesia, Tbk.
B. Perkara Perdata yang dalam Proses Penyelesaian
Civil Cases in Settlement Process
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
1. PENGGUGAT/ Gugatan Perbuatan Belum berpengaruh terhadap Perkara masih berjalan pada
Tadjiman Melawan Hukum Bank karena perkara masih Tingkat Kasasi di Mahkamah
(164/Pdt.G/2024/PN.Jkt.Dpk) berjalan. Agung Republik Indonesia.
TERGUGAT I/ untuk Membatalkan Perjanjian
Adam Kredit antara PT Diamond Citra
Propertindo dan PT Bank Oke
TERGUGAT II/ Indonesia, Tbk.
PT Bank Oke Indonesia, Tbk.
TURUT TERGUGAT I/
Kantor Pertanahan Depok
TURUT TERGUGAT II/
KPKNL Bogor
PLAINTIFF/ Lawsuit for Unlawful Acts It has not affected the Bank as The case is still under
Tadjiman (164/Pdt.G/2024/PN.Jkt.Dpk) the case is still ongoing. cassation review at
To annul the Credit Agreement the Supreme Court of
DEFENDANT I/ between PT Diamond Citra the Republic of Indonesia.
Adam Propertindo and PT Bank Oke
Indonesia, Tbk.
DEFENDANT II/
PT Diamond Citra
Propertindo
CO-DEFENDANT I/
Land Office of Depok
CO-DEFENDANT II/
KPKNL Bogor
2. PENGGUGAT/ Gugatan Perbuatan Belum berpengaruh terhadap Perkara masih berjalan pada
Tjandra Tjokrodiponto Melawan Hukum Bank karena perkara masih Tingkat Kasasi di Mahkamah
(256/Pdt.G/2024/PN.Jkt.Pst) berjalan. Agung Republik Indonesia.
TERGUGAT I/ terkait Keabsahan Nilai Hutang
Adam PT Diamond kepada PT Bank
Oke Indonesia, Tbk.
TERGUGAT II/
PT Bank Oke Indonesia, Tbk.
TURUT TERGUGAT I/
Kantor Pertanahan Depok
TURUT TERGUGAT II/
KPKNL Bogor
PLAINTIFF/ Lawsuit for Unlawful Acts It has not affected the Bank as The case is still ongoing at
Tjandra Tjokrodiponto (256/Pdt.G/2024/PN.Jkt.Pst) the case is still ongoing. the cassation level in
Regarding the Validity of the Supreme Court of
DEFENDANT I/ PT Diamond's Payable to PT the Republic of Indonesia.
Adam Bank Oke Indonesia, Tbk.
DEFENDANT II/
PT Bank Oke Indonesia, Tbk.
CO-DEFENDANT I/
Land Office of Depok
CO-DEFENDANT II/
KPKNL Bogor
Laporan Tahunan dan Laporan Keberlanjutan
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
3. PENGGUGAT I/ Gugatan Perbuatan Belum berpengaruh terhadap Perkara masih berjalan pada
Rocky Christiano Menayang Melawan Hukum Bank karena perkara masih Tingkat Kasasi di Mahkamah
(1271/Pdt.G/2024/PN.Jkt.Sel) berjalan. Agung Republik Indonesia.
PENGGUGAT II/ terkait Adanya Klausula Baku
Eliza Caroline N. Supit dalam Perjanjian Kredit.
TERGUGAT /
PT Bank Oke Indonesia, Tbk.
PLAINTIFF I/ Lawsuit for Unlawful Acts It has not affected the Bank as the The case is still ongoing at
Rocky Christiano Menayang (1271/Pdt.G/2024/PN.Jkt.Sel) case is still ongoing. the cassation level in
Regarding the Existence of the Supreme Court of the
PLAINTIFF III/ a Standard Clause in the Credit Republic of Indonesia.
Eliza Caroline N. Supit Agreement.
DEFENDANT /
PT Bank Oke Indonesia, Tbk.
4. PENGGUGAT/ Gugatan Perbuatan Tidak ada pengaruhnya terhadap Perkara masih berjalan pada
Hardiansyah Melawan Hukum Bank. Adapun Bank hanya ditarik Tingkat Kasasi di Mahkamah
(316/Pdt.G/2025/ sebagai pihak Turut Tergugat Agung Republik Indonesia.
TERGUGAT I/ PN.Tangerang) untuk kelengkapan para pihak
Ira Aryati terkait Pengosongan Tanah dalam perkara
dan Bangunan Debitur
TERGUGAT II/ Hardiansyah yang Sebelumnya
Amir Ruslan Efendi Mendapatkan Pembiayaan oleh
PT Bank Oke Indonesia, Tbk.
TURUT TERGUGAT I/
PT Bank Oke Indonesia, Tbk.
TURUT TERGUGAT II/
Notaris Erlien Wulandari
TURUT TERGUGAT III/
Kantor Pertanahan Kota
Tangerang Selatan
PLAINTIFF/ Lawsuit for Unlawful Acts There was no impact on the Bank. The case is still ongoing at
Hardiansyah (316/Pdt.G/2025/ The Bank was only named as the cassation level in
PN.Tangerang) a Co-Defendant to complete the Supreme Court of
DEFENDANT I/ Regarding the Eviction of Land the parties involved in the case. the Republic of Indonesia.
Ira Aryati and Buildings of the Debtor
Hardiansyah, who Previously
DEFENDANT II/ Received Financing from
Amir Ruslan Efendi PT Bank Oke Indonesia, Tbk.
CO-DEFENDANT I/
PT Bank Oke Indonesia, Tbk.
CO-DEFENDANT II/
Notary Erlien Wulandari
CO-DEFENDANT III/
Land Office of South
Tangerang City
Laporan Tahunan dan Laporan Keberlanjutan
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Page 349
PT Bank Oke Indonesia, Tbk.
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
5. PENGGUGAT/ Gugatan Perbuatan Belum berpengaruh terhadap Perkara masih berjalan pada
PT Kharisma Mitratama Melawan Hukum Bank karena perkara masih Tingkat Kasasi di Mahkamah
Gemilang (227/Pdt.G/2025/PN.Jkt.Pst) berjalan. Agung Republik Indonesia.
terkait Keberatan Pemberi
TERGUGAT I/ Jaminan atas Kedatangan Tim
PT Bank Oke Indonesia, Tbk. OK BANK untuk Melihat Kondisi
Jaminan Sehubungan dengan
TURUT TERGUGAT/ Proses Lelang Eksekusi Hak
PT Inti Artha Multifinance Tanggungan yang Berjalan.
PLAINTIFF/ Lawsuit for Unlawful Acts It has not affected the Bank as The case is still ongoing at
PT Kharisma Mitratama (227/Pdt.G/2025/PN.Jkt.Pst) the case is still ongoing. the cassation level in
Gemilang Regarding the Objection of the Supreme Court of
the Guarantor to the Arrival of the Republic of Indonesia.
DEFENDANT I/ the OK BANK Team to Inspect
PT Bank Oke Indonesia, Tbk. the Collateral in Connection
with the Ongoing Execution
CO-DEFENDANT/ Auction of Collateral Rights.
PT Inti Artha Multifinance
6. PENGGUGAT/ Gugatan Perbuatan Melawan Belum berpengaruh terhadap Masih dalam proses
PT Gapura Raya Hukum Bank karena perkara masih persidangan pada Tingkat
(1105/Pdt.G/2022/PN.JKT.Sel) berjalan. Peninjauan Kembali di
TERGUGAT I/ terkait Proses Cessie dan Mahkamah Agung Republik
PT Bank Oke Indonesia, Tbk. Lelang atas Hutang Debitur. Indonesia.
TERGUGAT II/
Zahir Ali
TERGUGAT III/
Faqih El Muntazar
TERGUGAT IV/
Kantor Jasa Penilai Publik
Joko Suratno
TERGUGAT V/
Pemerintah Republik
Indonesia cq. Kementerian
Keuangan Republik
Indonesia cq. Kepala Kantor
Wilayah DJKN DKI Jakarta
cq. Kepala KPKNL
PLAINTIFF/ Lawsuit for Unlawful Acts It has not affected the Bank as The case is still under trial at
PT Gapura Raya (1105/Pdt.G/2022/PN.JKT.Sel) the case is still ongoing. the Judicial Review level in
Regarding the Cessie Process the Supreme Court of
DEFENDANT I/ and Auction of the Debtor’s the Republic of Indonesia.
PT Bank Oke Indonesia, Tbk. Debt.
DEFENDANT II/
Zahir Ali
DEFENDANT III/
Faqih El Muntazar
DEFENDANT IV/
Joko Suratno Public
Appraisal Office
DEFENDANT V/
Government of the Republic
of Indonesia c.q. Ministry
of Finance c.q. Head of
DJKN Regional Office of DKI
Jakarta c.q. Head of KPKNL
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TATA KELOLA PERUSAHAAN
Corporate Governance
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
7. PENGGUGAT/ Gugatan Perbuatan Belum berpengaruh terhadap Perkara masih berjalan pada
CV Amar Sarana Mandiri Melawan Hukum Bank karena perkara masih Tingkat Pertama di Pengadilan
(369/Pdt.G/2025/PN.Dpk) berjalan. Negeri Depok.
TERGUGAT I/ terkait Kepemilikan atas
PT Diamond Citra Beberapa Sertifikat yang
Propertindo Menjadi Agunan PT Diamond
Citra Propertindo di OK BANK.
TERGUGAT II/
PT Bank Oke Indonesia, Tbk.
TURUT TERGUGAT I/
Kantor Pertanahan Depok
TURUT TERGUGAT II/
KPKNL Bogor
TURUT TERGUGAT III/
DJKN
PLAINTIFF/ Lawsuit for Unlawful Acts It has not affected the Bank as The case is still ongoing at the
CV Amar Sarana Mandiri (369/Pdt.G/2025/PN.Dpk) the case is still ongoing. First Instance in the Depok
Regarding Ownership pf District Court.
DEFENDANT I/ Several Certificates Serving as
PT Diamond Citra Collateral of PT Diamond Citra
Propertindo Propertindo at OK BANK.
DEFENDANT II/
PT Bank Oke Indonesia, Tbk.
CO-DEFENDANT I/
Land Office of Depok
CO-DEFENDANT II/
KPKNL Bogor
CO-DEFENDANT III/
DJKN
8. PELAWAN/ Gugatan Perlawanan Belum berpengaruh terhadap Perkara masih berjalan pada
PT Globalindo Mekar Abadi (454/Pdt.Bth/2025/PN.Jkt.Sel) Bank karena perkara masih Tingkat Banding di Pengadilan
terkait Penetapan Eksekusi berjalan. Tinggi Jakarta.
TERLAWAN I/ Ketua PN Jaksel
Hendrinuk Rahmaningrum Nomor 45/Pdt.Eks.RL/2025/
PN.Jkt.Selatan Aset Jaminan
TERLAWAN II/ yang Sebelumnya telah Dibeli
PT Bank Oke Indonesia, Tbk. Terlawan I dari Lelang Terlawan
III (Jaminan Hak Tanggungan
TERLAWAN III/ OK BANK).
KPKNL Jakarta V
TERLAWAN IV/
Kantor Pertanahan Kota
Jakarta Selatan
OPPONENT/ Opposition Lawsuit It has not affected the Bank as The case is still ongoing at
PT Globalindo Mekar Abadi (454/Pdt.Bth/2025/PN.Jkt.Sel) the case is still ongoing. the appellate level in
Concerning the Execution the Jakarta High Court.
COUNTERPARTY I/ Decree of the Head of South
Hendrinuk Rahmaningrum Jakarta District Court Number
45/Pdt.Eks.RL/2025/PN.Jkt.
COUNTERPARTY II/ Sel regarding collateral assets
PT Bank Oke Indonesia, Tbk. previously purchased by
the Opponent I from
COUNTERPARTY III/ the Opponent III’s Auction
KPKNL Jakarta V (OK BANK Mortgage Collateral).
COUNTERPARTY IV/
Land Office of South Jakarta
City
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PT Bank Oke Indonesia, Tbk.
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
9. PENGGUGAT/ Gugatan Perbuatan Belum berpengaruh terhadap Perkara masih berjalan pada
Lucia Margaretha Melawan Hukum Bank karena perkara masih Tingkat Pertama di Pengadilan
(1421/Pdt.G/2025/PN.Dps) berjalan. Negeri Denpasar.
TERGUGAT I/ terkait Objek Waris antara
A. Ayu Diah Penggugat dan Tergugat I.
OK BANK Ditarik dalam Perkara
TERGUGAT II/ ini Sehubungan dengan Adanya
Kepala Cabang PT Bank Bilyet Deposito yang Menjadi
Mandiri Kantor Cabang Sengketa Objek Waris di
Pembantu (KCP) Denpasar OK BANK.
Teuku Umar
TERGUGAT III/
Kepala Cabang PT Bank Oke
Indonesia, Tbk. Denpasar
TURUT TERGUGAT I/
I Gusti Ayu Sri Wardhani
TURUT TERGUGAT II/
Kepala Kantor Pertanahan
Kota Denpasar
PLAINTIFF/ Civil Tort Lawsuit It has not affected the Bank as The case is still ongoing at
Lucia Margaretha (1421/Pdt.G/2025/PN.Dps) the case is still ongoing. the First Level in the Denpasar
Concerning Inheritance Assets District Court.
DEFENDANT I/ Between the Plaintiff and
A. Ayu Diah the Defendant I. OK BANK was
included in this case due to
DEFENDANT II/ a Disputed Deposit Certificate
Branch Head of PT Bank as part of the Inheritance
Mandiri of Teuku Umar Assets at OK BANK.
Sub-Branch, Denpasar
DEFENDANT III/
Branch Head of PT Bank Oke
Indonesia, Tbk. Denpasar
CO-DEFENDANT I/
I Gusti Ayu Sri Wardhani
CO-DEFENDANT II/
Head of Land Office of
Denpasar City
C. Perkara PKPU dan Pailit yang Masih Berjalan
Ongoing PKPU and Bankruptcy Cases
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
1. PEMOHON/ Permohonan Tidak ada pengaruh secara Homologasi dalam PKPU.
PT Bank Oke Indonesia, Pembatalan Homologasi signifikan karena masih dalam
Tbk. (60/Pdt.Sus-PKPU/2024/ proses pengajuan kembali untuk
PN.Niaga.Jkt). pembatalan homologasi.
TERMOHON/
PT Inet Global Indo
APPLICANT/ Application for Homologation There is no significant impact on Homologation is in the PKPU
PT Bank Oke Indonesia, Cancellation the Bank as the case is still in process.
Tbk. (60/Pdt.Sus-PKPU/2024/ the process of resubmission for
PN.Niaga.Jkt). homologation cancellation.
RESPONDENT/
PT Inet Global Indo
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TATA KELOLA PERUSAHAAN
Corporate Governance
D. Perkara PKPU dan Pailit yang Telah Selesai
PKPU and Bankcruptcy Cases that Have Been Settled
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
1. PEMOHON/ Permohonan Pembatalan Tidak ada pengaruh secara Homologasi dalam PKPU.
PT Bank Oke Indonesia, Homologasi signifikan karena masih dalam
Tbk. (60/Pdt.Sus-PKPU/2024/ proses pengajuan kembali untuk
PN.Niaga.Jkt). pembatalan homologasi.
TERMOHON/
PT Inet Global Indo
APPLICANT/ Application for Homologation There is no significant impact on Homologation is in the PKPU
PT Bank Oke Indonesia, Cancellation the Bank as the case is still in process.
Tbk. (60/Pdt.Sus-PKPU/2024/ the process of resubmission for
PN.Niaga.Jkt) homologation cancellation.
RESPONDENT/
PT Inet Global Indo
E. Perkara Pidana dalam Proses Penyelesaian
Criminal Cases in Settlement Process
Pokok Pengaruhnya terhadap Status Penyelesaian
Pihak yang
Perkara/Gugatan Kondisi OK BANK Perkara/Gugatan
No. Berperkara
Subject of Impact on the Condition Status of Case/Lawsuit
Litigant Parties
Case/Lawsuit of OK BANK Settlement
1. PELAPOR/ Penyelidik Polres Tabahan Tidak ada pengaruh terhadap Tahap Penyelidikan.
PT Bank Oke Indonesia, Bali melakukan Penyelidikan kondisi Bank karena Bank adalah
Tbk. atas Dugaan Tindak Pidana pihak pelapor yang melaporkan
Penipuan Sebagaimana notaris debitur.
TERLAPOR/ Dimaksud dalam Pasal 378
Notaris berinisial A.A.H KUHP yang Diduga Dilakukan
Notaris berinisial A.A.H.
REPORTING/ Investigators from Tabahan There is no impact on the Bank Investigation Stage.
PT Bank Oke Indonesia, Bali Police conducted an because the Bank is the reporting
Tbk. Investigation into Alleged party that reported the debtor’s
Fraud under Article 378 of notary.
REPORTED/ the Criminal Code, Allegedly
Notary with Initials A.A.H. Committed by a Notary with
Initials A.A.H.
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Sanksi Administrasi [GRI 2-27]
Administrative Sanctions
Selama periode tahun 2025, penerapan kepatuhan di lingkungan During the 2025 period, the implementation of compliance
OK BANK menunjukkan bahwa seluruh anggota Dewan within OK BANK showed that all members of the Board of
Komisaris dan Direksi tidak menerima sanksi administrasi dari Commissioners and the Board of Directors were not imposed
otoritas terkait. of any administrative sanctions from the relevant authorities.
Namun, terdapat beberapa sanksi administrasi berupa denda However, there were several administrative sanctions in
kepada OK BANK di sepanjang tahun 2025 yang diuraikan the form of fines imposed on OK BANK throughout 2025, which
sebagai berikut: are described as follows:
Besaran
Sanksi
Tanggal Surat Uraian Instansi
No. Amount of
Letter Date Description Institution
Sanction
(Rp)
Pengenaan sanksi ketidakpatuhan penyampaian Laporan Bulanan Gangguan
Sistem dan Availability (GSA) Infrastruktur Teknologi Informasi (TI) Layanan
20 Januari 2025 Sistem Pembayaran (SP).
1. BI -
January 20, 2025 Imposition of sanctions for non-compliance in submitting the Monthly System
Disruption and Availability (GSA) Report for the Information Technology (IT)
Infrastructure of the Payment System (SP) services.
Tagihan ke-1 atas Kewajiban Pembayaran Denda Laporan Rencana Aksi
25 Maret 2025 Pemulihan.
2. LPS 3.000.000
March 25, 2025 First invoice for the obligation to pay fines related to the Recovery Action Plan
Report.
Sanksi Laporan Bank Umum Terintegrasi (LBUT) PT Bank Oke Indonesia, Tbk.
18 Juni 2025
3. Sanctions related to the Integrated Commercial Bank Report (LBUT) of PT Bank BI 300.000
June 18, 2025
Oke Indonesia, Tbk.
Sanksi administratif dan instruksi tertulis atas pengaduan konsumen.
19 Juni 2025
4. Administrative sanctions and written instructions in response to consumer OJK -
June 19, 2025
complaints.
5 Desember 2025 Sanksi administratif denda berupa denda hasil pemeriksaan.
5. OJK 200.000
December 5, 2025 Administrative fines resulting from audit findings.
Sanksi administratif atas kesalahan isian Laporan Anti-Pencucian Uang dan
10 Desember 2025 Pencegahan Pendanaan Terorisme.
6. OJK 1.100.000
December 10, 2025 Administrative sanctions for errors in the Anti-Money Laundering and Counter-
Terrorist Financing Report.
Sanksi administratif atas keterlambatan penyampaian koreksi Laporan SLIK
12 Desember 2025 bulan September 2025.
7. OJK 50.000
December 12, 2025 Administrative sanctions for the late submission of corrections to the SLIK
Report for September 2025.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Akses Informasi dan Data Perusahaan
Access to Company Information and Data
Akses informasi dan data OK BANK dijaga melalui Access to OK BANK’s information and data is maintained
penyampaian berbagai publikasi yang diterbitkan secara rutin through the dissemination of various publications issued
agar pemangku kepentingan dapat mengikuti perkembangan on a regular basis so that stakeholders can keep track with
kinerja dan aktivitas OK BANK. Informasi disebarkan melalui the Bank’s performance and activities. Information is distributed
siaran pers, media sosial, buletin, Laporan Tahunan, dan through press releases, social media, bulletins, the Annual
Laporan Keberlanjutan sehingga publik memperoleh gambaran Report, and the Sustainability Report, providing the public
komprehensif mengenai kegiatan operasional dan langkah with a comprehensive overview of operational activities and
strategis yang dijalankan manajemen. strategic initiatives undertaken by management.
Untuk memperkuat keterbukaan, OK BANK menyediakan situs To further strengthen transparency, OK BANK provides
web yang dapat diakses melalui laman www.okbank.co.id a website accessible at www.okbank.co.id as its official
sebagai pusat informasi resmi. Melalui platform tersebut, information hub. Through this platform, stakeholders can
pemangku kepentingan dapat menemukan dokumen find important documents, corporate announcements, and
penting, pengumuman korporasi, dan materi komunikasi communication materials that support a better understanding
yang mendukung pemahaman mengenai kondisi OK BANK. of OK BANK’s condition. This approach demonstrates
Pendekatan ini memperlihatkan komitmen OK BANK dalam OK BANK’s commitment to delivering information that is easily
menghadirkan informasi yang mudah dijangkau dan relevan accessible and relevant to all interested parties.
bagi seluruh pihak yang membutuhkan.
Share Option yang Dimiliki Direksi,
Dewan Komisaris, dan Pejabat Eksekutif
Share Options Owned by the Board of Directors,
Board of Commissioners, and Executive Officers
Hingga saat ini, OK BANK belum menerapkan kebijakan Until now, OK BANK has not implemented any policy regarding
terkait pemberian share option kepada Direksi, Dewan the granting of share options to the Board of Directors,
Komisaris, maupun Pejabat Eksekutif. Keputusan ini the Board of Commissioners, or Executive Officers. This
mencerminkan pendekatan konservatif Bank dalam hal decision reflects the Bank’s conservative approach to
insentif berbasis saham, sekaligus menjaga kesetaraan equity-based incentives, while also maintaining fairness and
dan transparansi dalam struktur remunerasi. Kondisi ini transparency in its remuneration structure. This condition
memastikan bahwa pengambilan keputusan dan pengawasan ensures that decision-making and oversight within the Bank
di Bank dilakukan tanpa adanya pengaruh kepemilikan saham are carried out without the influence of share ownership
oleh pihak manajemen maupun pengawas. by management or supervisory parties.
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PT Bank Oke Indonesia, Tbk.
Pembelian Kembali (Buyback) Saham dan/atau
Obligasi Bank
Buyback of Bank Shares and/or Bond
Sepanjang tahun 2025, Bank tidak melakukan aktivitas Throughout 2025, the Bank did not carry out any share or
pembelian kembali (buyback) saham maupun obligasi, bond buyback activities. Accordingly, there is no information
sehingga tidak terdapat informasi terkait kebijakan buyback, regarding buyback policies, the number of shares or bonds
jumlah lembar saham atau obligasi yang dibeli, harga pembelian repurchased, the purchase price per share or bond, or their
per lembar, maupun dampaknya terhadap peningkatan impact on earnings per share or bonds.
laba per saham atau obligasi.
Transaksi Afiliasi dan Transaksi Benturan
Kepentingan
Affiliate Transactions and Conflict of Interest Transactions
Transaksi Afiliasi Affiliate Transactions
Sepanjang tahun 2025, seluruh transaksi afiliasi yang dilakukan Throughout 2025, all affiliate transactions conducted by
OK BANK dijalankan melalui prosedur yang sesuai dengan OK BANK were carried out in accordance with internal
ketentuan internal maupun regulasi yang berlaku, dan diawasi procedures and applicable regulations, and were subject to
dengan penuh kehati-hatian untuk memastikan transparansi prudent oversight to ensure transparency and objectivity.
serta objektivitas. Pengawasan yang ketat ini menjadi bagian dari This strict supervision becomes a part of the Bank’s efforts
upaya Bank dalam menjaga integritas proses bisnis, menghindari to maintain the integrity of its business processes, avoid
potensi konflik kepentingan, dan memastikan bahwa setiap potential conflicts of interest, and ensure that each transaction
transaksi dilakukan berdasarkan prinsip kewajaran. Informasi is conducted based on the principle of fairness. Information
mengenai transaksi afiliasi OK BANK Sepanjang tahun 2025 regarding OK BANK’s affiliated transactions throughout 2025
diuraikan sebagai berikut: is outlined as follows:
Nilai
Pihak
Transaksi
Tanggal Jenis Transaksi Terafiliasi Sifat Hubungan
Transaction
Date Type of Transaction Affiliated Nature of Relationship
Value
Parties
(Rp)
Hubungan afiliasi antara Bank dengan PT Oke Asset
Penjualan piutang/cessie milik Indonesia didasarkan pada hubungan antara 2 (dua)
PT Bank Oke Indonesia, Tbk. perusahaan yang dikendalikan secara langsung
4 September 2025 kepada PT Oke Asset Indonesia PT Oke Asset oleh pihak yang sama, yaitu OK Next Co., Ltd.
4.982.000.017
September 4, 2025 Sale of receivables/cession owned Indonesia The affiliation between the Bank and PT Oke Asset
by PT Bank Oke Indonesia, Tbk. to Indonesia is based on the relationship between
PT Oke Asset Indonesia 2 (two) companies directly controlled by the same
party, namely OK Next Co., Ltd.
Hubungan afiliasi antara Bank dengan OK Data
Penunjukan OK Data System System didasarkan pada hubungan antara 2 (dua)
sebagai penyedia jasa IT Security perusahaan yang dikendalikan oleh pihak yang
1 Oktober 2025 PT Bank Oke Indonesia, Tbk. OK Data sama, yaitu OK Next Co., Ltd.
59.812.349
October 1, 2025 Appointment of OK Data System as System The affiliation between the Bank and OK Data
the IT Security service provider for System is based on the relationship between 2 (two)
PT Bank Oke Indonesia, Tbk. companies controlled by the same party, namely
OK Next Co., Ltd.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Nilai
Pihak
Transaksi
Tanggal Jenis Transaksi Terafiliasi Sifat Hubungan
Transaction
Date Type of Transaction Affiliated Nature of Relationship
Value
Parties
(Rp)
Hubungan afiliasi antara Bank dengan OK Data
Penunjukan OK Data System System didasarkan pada hubungan antara 2 (dua)
sebagai penyedia jasa IT Security perusahaan yang dikendalikan oleh pihak yang
15 Oktober 2025 PT Bank Oke Indonesia, Tbk. OK Data sama, yaitu OK Next Co., Ltd.
58.863.140
October 15, 2025 Appointment of OK Data System as System The affiliation between the Bank and OK Data
the IT Security service provider for System is based on the relationship between 2 (two)
PT Bank Oke Indonesia, Tbk. companies controlled by the same party, namely
OK Next Co., Ltd.
Hubungan afiliasi antara Bank dengan OK Data
Penunjukan OK Data System System didasarkan pada hubungan antara 2 (dua)
sebagai penyedia jasa IT Security perusahaan yang dikendalikan oleh pihak yang
20 November 2025 PT Bank Oke Indonesia, Tbk. OK Data sama, yaitu OK Next Co., Ltd.
57.550.655
November 20, 2025 Appointment of OK Data System as System The affiliation between the Bank and OK Data
the IT Security service provider for System is based on the relationship between 2 (two)
PT Bank Oke Indonesia, Tbk. companies controlled by the same party, namely
OK Next Co., Ltd.
Hubungan afiliasi antara Bank dengan OK Data
Penunjukan OK Data System System didasarkan pada hubungan antara 2 (dua)
sebagai penyedia jasa IT Security perusahaan yang dikendalikan oleh pihak yang
19 Desember 2025 PT Bank Oke Indonesia, Tbk. OK Data sama, yaitu OK Next Co., Ltd.
59.102.790
December 19, 2025 Appointment of OK Data System as System The affiliation between the Bank and OK Data
the IT Security service provider for System is based on the relationship between 2 (two)
PT Bank Oke Indonesia, Tbk. companies controlled by the same party, namely
OK Next Co., Ltd.
Transaksi yang Mengandung Benturan Transactions Containing Conflict of Interest
Kepentingan
Sepanjang tahun 2025, OK BANK tidak melakukan transaksi Throughout 2025, OK BANK did not carry out any transactions
yang mengandung benturan kepentingan, sehingga tidak involving conflicts of interest. Accordingly, there is no
terdapat informasi mengenai nama dan jabatan yang memiliki information regarding the names and positions of parties
potensi benturan kepentingan, nama dan jabatan yang with potential conflicts of interest, the names and positions
mengambil keputusan, jenis transaksi, maupun nilai transaksi of decision-makers, the types of transactions, or the related
yang terkait. transaction values.
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PT Bank Oke Indonesia, Tbk.
Pemberian Dana untuk Kegiatan Sosial Politik
Provision of Funds for Social Political Activities
Bank telah menjalankan berbagai kegiatan tanggung jawab The Bank has consistently carried out various social
sosial dan lingkungan secara konsisten sebagai bagian and environmental responsibility activities as part of its
dari komitmen untuk memberikan kontribusi positif kepada commitment to making a positive contribution to society.
masyarakat. Selain itu, Bank juga aktif melaksanakan program In addition, the Bank has actively implemented financial
peningkatan literasi keuangan melalui kegiatan edukasi literacy enhancement programs through banking education
perbankan sesuai dengan POJK Nomor 3 Tahun 2023 tentang activities in accordance with POJK Number 3 of 2023 on
Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa the Improvement of Financial Literacy and Inclusion in
Keuangan bagi Konsumen dan/atau Masyarakat, sebagaimana the Financial Services Sector for Consumers and/or
telah diubah sebagian dengan POJK Nomor 22 Tahun 2023 the Public, as partially amended by POJK Number 22 of 2023
tentang Pelindungan Konsumen dan Masyarakat di Sektor on Consumer and Public Protection in the Financial Services
Jasa Keuangan, serta SEOJK Nomor 31/SEOJK.07/2017 Sector, as well as SEOJK Number 31/SEOJK.07/2017 on the
tentang Pelaksanaan Kegiatan dalam rangka Meningkatkan Implementation of Activities to Increase Financial Inclusion in
Inklusi Keuangan di Sektor Jasa Keuangan. Berbagai the Financial Services Sector. These programs are conducted
program tersebut dilakukan untuk memperluas pemahaman to broaden public understanding of financial services,
masyarakat mengenai layanan keuangan, mendukung support social development, and strengthen the Bank’s role
pembangunan sosial, dan memperkuat peran Bank dalam in promoting community welfare and empowerment.
mendorong kesejahteraan dan pemberdayaan komunitas.
Bank telah melaksanakan edukasi perbankan sebanyak The Bank conducted banking education sessions twice.
2 (dua) kali. Pada tahun 2025, Bank melaksanakan berbagai In 2025, the Bank carried out various financial education
program edukasi keuangan, baik secara tatap muka maupun programs, both in-person and through the Bank’s social media
melalui media sosial yang dimiliki Bank, seperti Instagram, channels, such as Instagram, Facebook, and YouTube. The
Facebook, dan Youtube. Adapun informasi yang diberikan information provided to the public included:
kepada masyarakat meliputi:
1. Ayo Menabung; dan 1. Ayo Menabung (Let’s Save); and
2. Ayo Pintar Atur Uang Jajan. 2. Ayo Pintar Atur Uang Jajan (Let’s Smartly Manage Pocket
Money).
Selain program yang telah diuraikan di atas, Bank tidak Apart from the programs described above, the Bank did not
melakukan pendanaan kegiatan politik ataupun kegiatan yang provide funding for political activities or activities affiliated
terafiliasi dengan partai politik. with political parties.
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TATA KELOLA PERUSAHAAN
Corporate Governance
Kode Etik & Budaya Perusahaan [ESG G-07] [GRI 2-23, 2-24]
Code of Conducts & Corporate Culture
Dalam menjaga profesionalisme dan integritas organisasi, In maintaining organizational professionalism and integrity,
penerapan nilai dan pedoman perilaku menjadi fondasi the implementation of values and codes of conduct serves
penting bagi terciptanya lingkungan kerja yang sehat. as an important foundation for creating a healthy working
OK BANK menempatkan Kode Etik sebagai acuan utama dalam environment. OK BANK places its Code of Conducts as
membangun budaya yang konsisten dan bertanggung jawab di the primary reference in building a consistent and responsible
seluruh tingkatan organisasi. Untuk memastikan pemahaman culture across all levels of the organization. To ensure
yang merata, OK BANK melakukan sosialisasi Kode Etik kepada uniform understanding, OK BANK disseminates the Code of
seluruh karyawan melalui berbagai saluran komunikasi, Conducts to all employees through various communication
termasuk pengiriman email yang bersifat informatif hingga channels, including informative email distributions as well as
pertemuan tatap muka yang memungkinkan diskusi dan face-to-face meetings that allow for more in-depth discussion
klarifikasi lebih mendalam. and clarification.
Sebagai bentuk komitmen terhadap penerapan standar As a manifestation of its commitment to upholding these
perilaku tersebut, seluruh karyawan, Dewan Komisaris, standards of conduct, all employees, members of the Board
dan Direksi diwajibkan menandatangani Piagam Kode Etik. of Commissioners, and members of the Board of Directors
Tindakan ini bukan hanya bersifat administratif, tetapi juga are required to sign the Code of Conducts Charter. This
menegaskan tanggung jawab moral setiap individu dalam action is not merely administrative in nature, but also affirms
menjalankan tugasnya. Dengan adanya komitmen tertulis the moral responsibility of each individual in carrying out their
ini, OK BANK memiliki dasar yang kuat untuk menegakkan duties. With this written commitment in place, OK BANK has
etika kerja dan memastikan bahwa setiap keputusan maupun a strong foundation for enforcing work ethics and ensuring
tindakan operasional selaras dengan prinsip-prinsip yang that every decision and operational action aligns with
telah ditetapkan. the established principles.
Untuk menjaga agar nilai-nilai tersebut tetap relevan dan To ensure that these values remain relevant and well
terinternalisasi, OK BANK terus mengembangkan Budaya internalized, OK BANK continues to develop its Corporate
Perusahaan berbasis Kode Etik melalui pelatihan dan evaluasi Culture based on the Code of Conducts through regular
yang dilakukan secara rutin. Kegiatan ini memungkinkan training and evaluations. These activities enable employees
karyawan memahami penerapan etika dalam situasi nyata, to understand the application of ethics in real-life situations,
sekaligus menjadi sarana untuk memperkuat sikap profesional, while also serving as a means to reinforce professional,
transparan, dan akuntabel. Dengan pendekatan berkelanjutan transparent, and accountable attitudes. Through this
ini, Budaya Perusahaan dapat tumbuh secara konsisten dan sustainable approach, the Corporate Culture can grow
memberikan dampak positif terhadap kualitas layanan serta consistently and deliver a positive impact on service quality and
reputasi institusi. the institution’s reputation.
Isi Kode Etik OK BANK diuraikan sebagai berikut: The contents of OK BANK’s Code of Conducts are outlined as
follows:
1. Pejabat dan karyawan harus setia menjalankan bisnis 1. Officials and employees must faithfully conduct business
dengan prinsip kehati-hatian dan akan berupaya untuk with prudence and strive to prevent any financial incidents;
mencegah insiden keuangan;
2. Pejabat dan karyawan harus menghindari implikasi yang 2. Officials and employees must avoid any unfair implications
tidak adil atau perlakuan istimewa yang akan diterima dari or preferential treatment from customers when conducting
nasabah dalam melakukan transaksi atas nama Ok Bank transactions on behalf of OK Bank Indonesia. Therefore,
Indonesia. Oleh karena itu, pejabat dan karyawan OK BANK officials and employees of OK BANK are prohibited from
tidak akan menerima uang atau jamuan dari nasabah atau accepting money or entertainment from customers or
pihak berkepentingan lainnya yang terkait dengan bisnis other interested parties related to the Bank’s business and
dan tidak akan secara pribadi terlibat dalam transaksi shall not personally engage in any monetary transactions;
moneter apa pun;
3. Pejabat dan karyawan wajib bertindak jujur dan berintegritas, 3. Officials and employees are required to act honestly and with
mematuhi peraturan dan perundang-undangan yang berlaku; integrity, and comply with the applicable laws and regulations;
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4. Pejabat dan karyawan harus bertindak dengan itikad 4. Officials and employees must act in good faith, with
baik, penuh tanggung jawab dan kehati-hatian, dengan responsibility and prudence, exercising competence and
kompetensi dan ketekunan, memperhatikan kesopanan di diligence, maintaining courtesy among employees, and
antara karyawan dan tidak akan melakukan diskriminasi shall not unfairly discriminate against any employee
pada karyawan secara tidak adil dalam keadaan apa pun. under any circumstances. Supervisors must not give
Atasan tidak boleh mengeluarkan instruksi yang tidak adil unfair or improper instructions to subordinates, and
dan tidak pada tempatnya kepada bawahan, dan bawahan subordinates must not follow any unlawful instructions
tidak boleh mengikuti instruksi yang melanggar hukum issued by supervisors;
yang dikeluarkan oleh atasan;
5. Pejabat dan karyawan dilarang melakukan hal-hal yang 5. Officials and employees are prohibited from engaging in
merusak nilai dan reputasi Bank dan tidak merusak atau actions that may damage the Bank’s values and reputation,
merendahkan reputasi setiap individu; and must not harm or degrade the reputation of any
individual;
6. Pejabat dan karyawan wajib melindungi hak nasabah 6. Officials and employees must protect customers’ rights to
untuk memahami Bank dan tidak melakukan transaksi understand the Bank and must not conduct unreasonable
yang tidak wajar dengan nasabah; transactions with customers;
7. Pejabat dan karyawan wajib menjamin kerahasiaan 7. Officials and employees are obliged to maintain
transaksi keuangan nasabah dan tidak mengejar the confidentiality of customers’ financial transactions
keuntungan pribadi dengan menggunakan informasi and are prohibited from pursuing personal gain by using
rahasia yang diperoleh dalam pekerjaannya; confidential information obtained through their work;
8. Pejabat dan karyawan dilarang memberikan perlakuan 8. Officials and employees are prohibited from providing
diskriminatif kepada nasabah; discriminatory treatment to customers;
9. Pejabat dan karyawan wajib mencegah dari perilaku: 9. Officials and employees must prevent behavior that:
a. Memperkaya atau menguntungkan diri sendiri atau a. Enriching or benefiting themselves or other parties;
pihak lain; dan/atau and/or
b. Menyalahgunakan kewenangan, kesempatan, atau b. Abusing authority, opportunities, or resources available
sarana yang ada padanya karena jabatan atau to them due to their position or role, which may result
kedudukannya, yang berakibat merugikan nasabah; in harm to customers;
10. Pejabat dan karyawan wajib bertanggung jawab atas 10. Officials and employees are responsible for any losses
kerugian nasabah yang dengan terbukti diakibatkan incurred by customers that are proven to result from
kesalahan, kelalaian, dan/atau perbuatan yang bertentangan errors, negligence, and/or actions that violate policies,
dengan kebijakan, prosedur, dan ketentuan peraturan procedures, and applicable laws and regulations in
perundang-undangan di sektor jasa keuangan; the financial services sector;
11. Pejabat dan karyawan wajib menyediakan informasi 11. Officials and employees are required to provide clear,
mengenai produk dan/atau jasa layanan yang jelas, akurat, accurate, and correct information regarding products
dan benar, serta tidak berpotensi menyesatkan nasabah; and/or services, and must not provide information that may
potentially mislead customers;
12. Pejabat dan karyawan dilarang memberikan produk 12. Officials and employees are prohibited from offering
dan/atau layanan yang merugikan atau berpotensi products and/or services that harm or have the potential to
merugikan calon nasabah dengan menyalahgunakan harm prospective customers by taking advantage of their
keadaan atau kondisi calon nasabah; conditions or circumstances;
13. Pejabat dan karyawan mempunyai tanggung jawab untuk 13. Officials and employees have a responsibility to support
mendukung penyediaan layanan khusus kepada nasabah the provision of special services for customers with
penyandang disabilitas dan lanjut usia; disabilities and elderly customers;
14. Pejabat dan karyawan tidak boleh mengalihkan aset dan 14. Officials and employees must not divert the Bank’s assets
anggaran Bank untuk keuntungan pribadi; and budget for personal gain;
15. Pejabat dan karyawan harus menghormati kerahasiaan 15. Officials and employees must respect the confidentiality
informasi yang diperoleh selama bekerja dan tidak akan of information obtained during their employment and
mengungkapkan kepada pihak ketiga bahkan setelah pensiun must not disclose it to third parties even after retiring
dari Bank. Informasi rahasia yang diperoleh selama bekerja from the Bank. Confidential information obtained during
tidak boleh digunakan untuk keuntungan pribadi; serta employment must not be used for personal gain; and
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16. Pejabat dan karyawan wajib menggunakan dan 16. Officials and employees are required to use and manage
mengendalikan secara bertanggung jawab atas semua responsibly all Bank assets and resources used or
kekayaan dan sumber daya Bank yang digunakan atau entrusted to them.
dipercayakan kepadanya.
Pelanggaran Kode Etik dan Sanksi yang Violation of Code of Conducts and Imposed
Diberikan Sanctions
Sepanjang tahun 2025, tidak ditemukan adanya pelanggaran Throughout 2025, no violations of the applicable Code of
terhadap Kode Etik yang berlaku di lingkungan Bank, Conducts were identified within the Bank, indicating that
menunjukkan bahwa nilai-nilai profesionalisme dan integritas the values of professionalism and integrity have been
telah dijalankan secara konsisten oleh seluruh karyawan. consistently upheld by all employees. Nevertheless,
Meskipun demikian, Bank tetap menjaga mekanisme penegakan the Bank maintains a firm disciplinary enforcement
disiplin yang tegas, di mana setiap pelanggaran yang mungkin mechanism, whereby any violations that may occur will be
terjadi akan ditindak sesuai kebijakan yang berlaku, termasuk addressed in accordance with prevailing policies, including
pemberian teguran, pemutusan hubungan kerja, hingga tindakan the issuance of warnings, termination of employment, and
hukum lebih lanjut apabila diperlukan. further legal action if deemed necessary.
Sistem Pelaporan Pelanggaran [GRI 2-16, 2-26]
Whistleblowing System
Sistem pelaporan pelanggaran (whistleblowing system/WBS) OK BANK’s whistleblowing system (WBS) is designed to provide
OK BANK disusun untuk memberikan saluran aman dan rahasia a safe and confidential channel for employees and external
bagi karyawan maupun pihak eksternal dalam menyampaikan parties to report alleged violations that may potentially harm
dugaan pelanggaran yang berpotensi merugikan OK BANK. OK BANK. This mechanism covers the receipt of reports, initial
Mekanisme ini mencakup penerimaan laporan, verifikasi awal, verification, investigation, and objective follow-up actions
investigasi, dan tindak lanjut yang dilakukan secara objektif to ensure that each complaint is handled fairly. Through
guna memastikan setiap aduan ditangani dengan adil. Melalui the implementation of a clear system, OK BANK seeks to
penerapan sistem yang jelas, OK BANK berupaya menciptakan foster an environment of integrity and encourage a culture of
lingkungan kerja yang berintegritas dan mendorong budaya openness in preventing and detecting actions that are not in
keterbukaan dalam mencegah serta mendeteksi tindakan yang compliance with applicable regulations.
tidak sesuai dengan ketentuan.
Cara Penyampaian Laporan Pelanggaran How to Submit Violation Reports
Penyampaian laporan pelanggaran difasilitasi melalui saluran The submission of violation reports is facilitated through
khusus yang telah disediakan Bank untuk memastikan setiap dedicated channels provided by the Bank to ensure that
informasi dapat diterima dan ditindaklanjuti secara cepat dan all information is received and followed up promptly and
rahasia. Pelapor dapat mengajukan laporan melalui email confidentially. Reporters may submit reports via email at
ok-wbs@okbank.co.id dan lapor_fraud@okbank.co.id, maupun ok-wbs@okbank.co.id and lapor_fraud@okbank.co.id, or
melalui saluran telepon (021) 2312633 eks. 2222. Mekanisme through the telephone line at (021) 2312633 ext. 2222. This
ini dirancang agar karyawan maupun pihak terkait dapat mechanism is designed to enable employees and related
menyampaikan dugaan pelanggaran dengan aman, sehingga parties to safely report alleged violations, thereby ensuring
proses pengawasan internal tetap berjalan efektif dan risiko the effectiveness of internal oversight and minimizing
penyimpangan dapat diminimalkan. the risk of irregularities.
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Perlindungan bagi Pelapor Whistleblower Protection
Perlindungan bagi pelapor menjadi bagian penting dalam Protection for whistleblowers becomes an important element
memastikan WBS berfungsi secara efektif dan bebas dari in ensuring that the WBS functions effectively and free from
tekanan. OK BANK memberikan jaminan kerahasiaan identitas pressure. OK BANK guarantees the confidentiality of the reporter’s
dan memastikan pelapor tidak mengalami tindakan yang bersifat identity and ensures that whistleblowers do not experience
mengintimidasi, menghambat, atau merugikan akibat laporan intimidation, obstruction, or any detrimental actions as a result
yang disampaikan dengan itikad baik. Melalui komitmen ini, of reports submitted in good faith. Through this commitment,
lingkungan kerja yang aman dan berintegritas dapat tercipta a safe and integrity-driven working environment can be fostered,
sehingga karyawan merasa memiliki ruang untuk berkontribusi enabling employees to feel empowered to contribute to upholding
dalam menjaga kepatuhan dan etika Bank. the Bank’s compliance and ethical standards.
Penanganan Laporan Pelanggaran Handling of Violation Reports
Dalam menjaga integritas operasional, OK BANK menerapkan In maintaining operational integrity, OK BANK implements
mekanisme penanganan laporan pelanggaran melalui WBS yang a mechanism for handling violation reports through
dirancang untuk memastikan setiap indikasi ketidaksesuaian the WBS that is designed to ensure that any indications of
dapat ditangani secara objektif dan terpercaya. Proses ini non-compliance are addressed in an objective and reliable
dikelola oleh Anti-Fraud Unit yang memiliki tanggung jawab manner. This process is managed by the Anti-Fraud Unit,
penuh untuk melakukan verifikasi awal, menilai kelengkapan which bears full responsibility for conducting initial verification,
informasi, dan menindaklanjuti setiap laporan yang masuk assessing the completeness of information, and following up on
sesuai prosedur yang berlaku. Dengan adanya sistem yang each report received in accordance with applicable procedures.
terstruktur ini, Bank dapat memberikan ruang bagi pelapor untuk Through this structured system, the Bank provides a secure
menyampaikan informasi secara aman, sekaligus memperkuat channel for whistleblowers to submit information, while also
upaya pencegahan dan penanganan pelanggaran demi strengthening efforts to prevent and address violations in order
terciptanya lingkungan kerja yang transparan dan akuntabel. to create a transparent and accountable working environment.
Jumlah Pengaduan Tahun 2025 dan Tindak Number of Complaints in 2025 and Follow-Up
Lanjutnya Actions
Sepanjang tahun 2025, Bank telah menerima pengaduan Throughout 2025, the Bank received complaints regarding
mengenai indikasi pelanggaran, baik melalui saluran WBS indications of violations, both through the WBS channel and
maupun saluran lainnya (Aplikasi Portal Perlindungan Konsumen/ other channels (Consumer Protection Portal Application/
APPK, Indonesia Anti-Scam Center/IASC, dan lainnya). Di mana APPK, Indonesia Anti-Scam Center/IASC, and others).
dalam pengelolaannya, seluruh laporan pelanggaran tersebut In handling these reports, all violation complaints
telah ditindaklanjuti dan sebagian besar di antaranya merupakan were followed up, and the majority of them were found to
laporan yang tidak terbukti. be unsubstantiated.
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Kebijakan Strategi Anti-Fraud
Anti-Fraud Strategy Policy
Dalam upaya menjaga keamanan dan integritas operasional, As an effort to safeguard operational security and integrity,
OK BANK menerapkan kebijakan strategi anti-fraud yang OK BANK implements an anti-fraud strategic policy designed
dirancang untuk mencegah, mendeteksi, dan menindak setiap to prevent, detect, and take action against any potential
potensi penyimpangan. Strategi ini tidak hanya mencakup irregularities. This strategy not only covers internal procedures
prosedur internal, tetapi juga disertai dengan edukasi aktif but is also accompanied by active education for all relevant
kepada seluruh pihak terkait mengenai pentingnya pencegahan parties on the importance of fraud prevention. In addition,
fraud. Selain itu, OK BANK menegakkan sanksi yang tegas OK BANK enforces strict sanctions against any violations as
bagi setiap pelanggar sebagai bentuk komitmen nyata dalam a tangible commitment to upholding discipline, strengthening
menegakkan disiplin, memperkuat budaya kepatuhan, dan a culture of compliance, and ensuring a safe working
memastikan lingkungan kerja yang aman. environment.
Program dan Prosedur yang Dilakukan Programs and Procedures Carried Out in
dalam Mengatasi Praktik Fraud Overcoming Fraud Practices (Corruption,
(Korupsi, Suap, Gratifikasi, Kickbacks, Bribery, Gratification, Kickbacks, and Other
dan Hal Lain yang Menyebabkan Konflik Actions Causing Conflict of Interest) [ESG G-07]
Kepentingan) [ESG G-07]
OK BANK menerapkan prinsip zero tolerance terhadap OK BANK applies a zero-tolerance principle toward all
segala bentuk praktik kecurangan (fraud), termasuk korupsi, forms of fraudulent practices, including corruption, bribery,
penyuapan, gratifikasi, kickbacks, maupun tindakan lain yang gratification, kickbacks, and other actions that may give rise
berpotensi menimbulkan konflik kepentingan. Komitmen ini to conflicts of interest. This commitment is realized through
diwujudkan melalui penerapan sistem pengendalian internal the implementation of a comprehensive internal control system
yang komprehensif serta pengelolaan risiko yang terintegrasi and integrated risk management across all of the Bank’s
dalam seluruh aktivitas operasional Bank. [GRI 3-3] operational activities. [GRI 3-3]
Sepanjang tahun pelaporan, OK BANK telah melakukan Throughout the reporting year, OK BANK conducted corruption
pengkajian risiko korupsi terhadap seluruh operasi utama risk assessments across all of its main operations, including
Bank, yang mencakup aktivitas perbankan di kantor pusat dan banking activities at the head office and other operational
unit operasional lainnya. Dengan demikian, 100% operasi Bank units. Thus, 100% of the Bank’s operations had been assessed
telah dinilai dalam kerangka manajemen risiko yang mencakup within a risk management framework that includes corruption
risiko korupsi sebagai bagian dari risiko operasional dan risiko risk as part of operational and compliance risks. The risk
kepatuhan. Proses pengkajian risiko tersebut dilakukan secara assessment process is carried out periodically with reference
berkala dengan mengacu pada kebijakan manajemen risiko, to risk management policies, the results of internal control
hasil evaluasi pengendalian internal, serta pemantauan atas evaluations, and monitoring of business processes with
proses bisnis yang memiliki potensi eksposur risiko. [GRI 205-1] potential risk exposure. [GRI 205-1]
Berdasarkan hasil pengkajian tersebut, Bank mengidentifikasi Based on the assessment results, the Bank identifies that
bahwa potensi risiko korupsi dapat muncul pada aktivitas potential corruption risks may arise in certain activities,
tertentu, antara lain proses pengadaan barang dan jasa, including the procurement of goods and services, the provision
pemberian fasilitas kredit, pengelolaan hubungan dengan of credit facilities, the management of relationships with third
pihak ketiga, serta aktivitas operasional yang melibatkan parties, as well as operational activities involving specific
pengambilan keputusan dan kewenangan tertentu. decision-making processes and authorities. These risks
Risiko-risiko tersebut bersifat potensial dan telah dimitigasi are potential in nature and have been mitigated through
melalui penerapan kebijakan, prosedur, dan mekanisme the implementation of adequate policies, procedures, and
pengendalian yang memadai. [GRI 205-1] control mechanisms. [GRI 205-1]
Selain itu, Bank menyediakan kanal pelaporan atau WBS yang Moreover, the Bank provides reporting channels or a WBS that
memungkinkan karyawan maupun pihak eksternal melaporkan allow employees and external parties to report suspected fraud
dugaan fraud secara aman dan terjamin kerahasiaannya. safely with guaranteed confidentiality. The Bank also conducts
Di samping itu, Bank juga melakukan evaluasi berkala periodic evaluations of the effectiveness of its anti-fraud
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terhadap efektivitas program anti-fraud dan meningkatkan program and enhances employee competence through
kompetensi karyawan melalui pelatihan yang relevan. Dengan relevant training. Through this comprehensive approach,
pendekatan yang menyeluruh ini, Bank berupaya menjaga the Bank seeks to safeguard operational integrity, protect
integritas operasional, melindungi aset, dan memperkuat assets, and strengthen the trust of all stakeholders.
kepercayaan seluruh pemangku kepentingan.
Bank memiliki Anti-Fraud Unit (AFU) untuk mengoordinasikan The Bank has established an Anti-Fraud Unit (AFU) to coordinate
Strategi Anti-Fraud dengan memastikan penerapan 4 (empat) the Anti-Fraud Strategy by ensuring the implementation of
pilar Strategi Anti-Fraud yang diuraikan sebagai berikut: the 4 (four) pillars of the Anti-Fraud Strategy, as outlined below:
1. Pencegahan; 1. Prevention;
2. Deteksi; 2. Detection;
3. Investigasi, pelaporan, dan sanksi; serta 3. Investigation, reporting, and sanctions; and
4. Pemantauan, evaluasi, dan tindak lanjut. 4. Monitoring, evaluation, and follow-up.
Pelatihan/Sosialisasi Anti-Fraud kepada Anti-Fraud Training/Dissemination for
Karyawan [GRI 205-2] Employees [GRI 205-2]
Dalam rangka memperkuat budaya kepatuhan dan pencegahan In order to strengthen a culture of compliance and prevent
penyimpangan, OK BANK secara rutin menyelenggarakan irregularities, OK BANK routinely conducts anti-fraud
pelatihan dan sosialisasi anti-fraud bagi seluruh karyawan. training and dissemination programs for all employees.
Kegiatan ini dilakukan melalui sesi tatap muka berupa sharing These activities are carried out through face-to-face sharing
session, yang memungkinkan karyawan untuk berdiskusi, sessions, allowing employees to engage in discussions,
memahami kasus nyata, dan mengajukan pertanyaan secara understand real cases, and ask questions directly. In addition,
langsung. Selain itu, materi sosialisasi juga disebarkan melalui dissemination materials are also distributed via email so
email agar informasi dapat diakses secara lebih luas dan that the information can be accessed more broadly and on
berkelanjutan. Pendekatan ganda ini membantu memastikan an ongoing basis. This dual approach helps ensure that every
bahwa setiap karyawan memiliki pemahaman yang jelas employee has a clear understanding of anti-fraud practices
mengenai praktik anti-fraud dan peran mereka dalam menjaga and their role in safeguarding the Bank’s operational integrity
integritas serta transparansi operasional Bank. and transparency.
Insiden atau Laporan Dugaan Fraud [GRI 205-3] Incidents or Reports of Alleged Fraud [GRI 205-3]
Sepanjang tahun 2025, OK BANK tidak menerima laporan Throughout 2025, OK BANK did not receive any fraud reports,
fraud, baik itu korupsi, suap, gratifikasi, kickbacks, dan hal lain including corruption, bribery, gratification, kickbacks, or
yang menyebabkan konflik kepentingan, yang dilakukan oleh other acts giving rise to conflicts of interest, committed by
karyawan, Dewan Komisaris, dan/atau Direksi yang terjadi employees, members of the Board of Commissioners, and/or
di lingkungan bisnis OK BANK. Namun, terdapat laporan the Board of Directors within OK BANK’s business environment.
fraud sehubungan dengan proses kredit menggunakan However, there were fraud reports related to the credit process
identitas palsu/milik orang lain dan penggunaan rekening involving the use of fake or someone else’s identity and the
OK BANK untuk penipuan yang seluruhnya dilakukan use of OK BANK accounts for fraudulent purposes, all of which
oleh pihak eksternal. were carried out by external parties.
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Pencegahan Insider Trading
Insider Trading Prevention
Upaya pencegahan insider trading menjadi bagian penting Efforts to prevent insider trading are an important part to
dalam menjaga integritas operasional Bank. Praktik ini tidak maintain the Bank’s operational integrity. Such practices not
hanya merusak kepercayaan publik, tetapi juga berpotensi only undermine public trust but may also give rise to serious
menimbulkan konsekuensi hukum yang serius bagi individu legal consequences for both individuals and institutions. To
maupun institusi. Untuk meminimalkan risiko tersebut, minimize these risks, OK BANK takes proactive measures
OK BANK mengambil langkah proaktif melalui kebijakan through stringent internal policies and continuous oversight of
internal yang ketat dan pengawasan berkelanjutan terhadap activities that may potentially give rise to conflicts of interest.
aktivitas yang berpotensi menimbulkan konflik kepentingan.
Salah satu langkah utama yang dijalankan adalah pemberian One of the main measures implemented is the provision of
pelatihan kepada seluruh karyawan mengenai bahaya dan training for all employees on the risks and legal implications of
implikasi hukum dari insider trading. Melalui pelatihan insider trading. Through this training, employees are equipped
ini, karyawan dibekali pemahaman yang jelas tentang with a clear understanding of the types of information that
jenis informasi yang tergolong material dan tidak boleh are considered material and must not be disclosed, as well
disebarluaskan, serta bagaimana menjaga kerahasiaan as how to maintain the confidentiality of the data under their
data yang mereka kelola. Dengan pendekatan edukatif yang management. Through this consistent educational approach,
konsisten, OK BANK tidak hanya memastikan bahwa setiap OK BANK not only ensures that every employee understands
karyawan memahami tanggung jawab etisnya, tetapi juga their ethical responsibilities, but also fosters a transparent,
menciptakan budaya kerja yang transparan, patuh aturan, dan compliant, and public-interest-oriented work culture.
berorientasi pada perlindungan kepentingan publik.
Perselisihan Internal
Internal Disputes
Sepanjang tahun 2025, lingkungan kerja OK BANK diisi oleh Throughout 2025, OK BANK’s working environment was
suasana kolaboratif yang stabil, tercermin dari tidak adanya characterized by a stable and collaborative atmosphere,
perselisihan internal antar karyawan yang bersifat material as reflected in the absence of any material or significant
maupun signifikan. Kondisi ini menunjukkan bahwa mekanisme internal disputes among employees. This condition indicates
komunikasi, pengelolaan pekerjaan, dan penyelesaian that internal communication, work management, and issue
isu di tingkat internal berjalan dengan baik, sehingga resolution mechanisms have been functioning effectively,
potensi konflik dapat ditangani sejak dini atau bahkan tidak enabling potential conflicts to be addressed at an early stage
muncul sama sekali. or not arise at all.
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Kebijakan Pencegahan Konflik Kepentingan bagi
Dewan Komisaris dan Direksi [ESG G-09] [GRI 2-11, 2-15]
Conflict of Interest Prevention Policy for the Board of Commissioners
and Board of Directors
Dalam menjalankan fungsi pengawasan dan pengelolaan In carrying out their oversight and strategic management
strategis, Dewan Komisaris dan Direksi dituntut untuk functions, the Board of Commissioners and the Board of
selalu menempatkan kepentingan Bank dan para pemangku Directors are required to always place the interests of the Bank
kepentingan sebagai prioritas utama. Untuk itu, mereka memiliki and its stakeholders as the top priority. Therefore, they have
kewajiban yang jelas dalam mencegah, mengidentifikasi, clear obligations to prevent, identify, and manage any potential
dan mengelola setiap potensi konflik kepentingan yang conflicts of interest that may affect the objectivity of decision-
dapat memengaruhi objektivitas pengambilan keputusan. making. This commitment serves as an essential foundation to
Komitmen ini menjadi fondasi penting agar setiap ensure that every policy, plan, and strategic initiative remains
kebijakan, rencana, dan langkah strategis yang dijalankan focused on the Bank’s sustainability and integrity.
tetap berfokus pada keberlanjutan dan integritas Bank.
Sebagai bagian dari mekanisme pengendalian, setiap As part of the control mechanism, each member of the Board
anggota Dewan Komisaris dan Direksi diwajibkan melaporkan of Commissioners and the Board of Directors is required to
potensi konflik kepentingan yang mungkin muncul, sekaligus disclose any potential conflicts of interest that may arise
mengundurkan diri dari proses pengambilan keputusan and to recuse themselves from decision-making processes
yang dapat menimbulkan bias atau kepentingan pribadi. that could give rise to bias or personal interests. To further
Untuk memperkuat kesadaran etis tersebut, OK BANK juga strengthen ethical awareness, OK BANK has also established
menetapkan Kode Etik yang mengatur standar perilaku bagi a Code of Conducts that governs standards of conduct for
jajaran pimpinan, termasuk adanya sistem pelaporan yang senior management, including a reporting system designed to
berfungsi mendeteksi secara dini berbagai indikasi konflik detect potential conflicts of interest at an early stage. Through
kepentingan. Dengan pendekatan ini, Bank memastikan bahwa this approach, the Bank ensures that all governance processes
seluruh proses tata kelola berjalan transparan, profesional, dan are carried out transparently, professionally, and in accordance
berorientasi pada prinsip-prinsip tata kelola yang baik. with the principles of good corporate governance.
Pengadaan Barang dan Jasa
Procurement of Goods and Services
Pemenuhan kebutuhan operasional OK BANK dilaksanakan The operational needs of OK BANK are fulfilled through
melalui proses pengadaan barang dan jasa yang mengedepankan the procurement of goods and services, which prioritizes
prinsip kehati-hatian, kepatuhan terhadap peraturan yang berlaku, prudence, compliance with applicable regulations, and GCG
dan penerapan GCG. Seluruh proses pengadaan dilakukan secara implementation. All procurement processes are carried out in
terencana, terstruktur, dan terdokumentasi secara memadai sejak a planned, structured, and adequately documented manner
tahap perencanaan hingga penyelesaian. from the planning stage through to completion.
Setelah kebutuhan diverifikasi, OK BANK melakukan seleksi Once needs are verified, OK BANK conducts vendor selection
vendor secara objektif dan transparan berdasarkan kriteria objectively and transparently based on established criteria,
yang telah ditetapkan, meliputi pemenuhan spesifikasi teknis, including compliance with technical specifications, quality
standar kualitas, dan kewajaran serta daya saing harga. standards, fairness, and price competitiveness. To ensure
Dalam rangka memastikan kesamaan pemahaman atas ruang a shared understanding of the scope of work, a job briefing
lingkup pekerjaan, dilakukan pemberian penjelasan pekerjaan (aanwijzing) is provided to all procurement participants.
(aanwijzing) kepada seluruh peserta pengadaan.
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Penetapan pemenang dilakukan secara independen dan The winner is determined independently and accountably,
akuntabel, selanjutnya pelaksanaan kontrak diawasi secara and the contract execution is closely monitored to ensure
ketat untuk memastikan kepatuhan terhadap ketentuan compliance with the terms of the agreement. The procurement
perjanjian. Proses pengadaan diakhiri dengan serah terima process concludes with the handover of goods or services as
barang atau jasa sesuai kesepakatan dan penyelesaian agreed and the orderly, timely, and transparent settlement of
kewajiban pembayaran yang dilakukan secara tertib, tepat payment obligations.
waktu, dan transparan.
Perilaku Anti-Persaingan, Praktik Anti-Pakat, dan
Monopoli
Anti-Competitive Behavior, Anti-Collusion Practices, and Monopoly
OK BANK menjalankan seluruh kegiatan usahanya dengan OK BANK conducts all of its business activities by prioritizing
mengedepankan prinsip persaingan usaha yang sehat serta the principles of fair competition and compliance with
kepatuhan terhadap peraturan perundang-undangan yang applicable laws and regulations. OK BANK ensures that its
berlaku. OK BANK memastikan bahwa kebijakan, proses policies, business processes, and relationships with third
bisnis, dan hubungan dengan pihak ketiga tidak melibatkan parties do not involve anti-competitive practices, collusion, or
praktik anti-persaingan, anti-pakat, maupun tindakan actions that may lead to monopolistic behavior. [GRI 3-3]
yang berpotensi mengarah pada monopoli. [GRI 3-3]
Sepanjang tahun pelaporan, OK BANK tidak memiliki tindakan Throughout the reporting year, OK BANK had no ongoing or
hukum yang sedang berlangsung maupun yang telah resolved legal actions related to violations of anti-competition,
diselesaikan terkait pelanggaran peraturan anti-persaingan, anti-collusion, or monopoly regulations, either at the national
anti-pakat, dan monopoli, baik di tingkat nasional maupun or international level. The Bank consistently strengthens
internasional. Bank secara konsisten memperkuat pengendalian internal controls and compliance socialization to minimize
internal dan sosialisasi kepatuhan guna meminimalkan legal risks and safeguard the integrity and sustainability of its
risiko hukum serta menjaga integritas dan keberlanjutan business activities. [GRI 206-1]
kegiatan usaha. [GRI 206-1]
Penerapan Tata Kelola pada Kantor Cabang
Bank Luar Negeri (KCLBN)
Implementation of Governance in Overseas Branch
Offices (KCLBN)
Sampai dengan akhir tahun 2025, Bank tidak memiliki Kantor As of the end of 2025, the Bank did not have any KCLBN.
KCLBN, sehingga tidak terdapat informasi terkait kebijakan, Accordingly, there is no information regarding specific
prosedur, maupun praktik tata kelola khusus yang terkait dengan governance policies, procedures, or practices related to
operasional KCLBN. Kondisi ini membuat seluruh pengaturan tata KCLBN operations. This condition results in all governance
kelola tetap berfokus pada kegiatan yang berlangsung di dalam arrangements remaining focused on domestic activities,
negeri, tanpa adanya kewajiban tambahan untuk mengelola without any additional obligations to manage risks, compliance,
risiko, kepatuhan, dan pengawasan yang biasanya diberlakukan and oversight that are typically applied to business units
pada unit usaha di luar yurisdiksi nasional. operating outside the national jurisdiction.
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Internal Control over Financial Reporting (ICoFR)
Internal Control over Financial Reporting (ICoFR)
Sebagai bagian dari komitmen OK BANK dalam meningkatkan As part of OK BANK’s commitment to enhancing good
tata kelola perusahaan yang baik, Bank menerapkan corporate governance, the Bank implements Internal Control
Pengendalian Internal atas Pelaporan Keuangan (Internal over Financial Reporting (ICoFR) as stipulated in POJK
Control over Financial Reporting/ICoFR) sebagaimana yang Number 15 of 2024. The implementation of ICoFR is an integral
tertuang dalam POJK Nomor 15 Tahun 2024. Penerapan ICoFR part of the Bank’s governance and internal control system to
merupakan bagian integral dari sistem tata kelola dan sistem ensure that all financial information is prepared and presented
pengendalian internal Bank untuk memastikan bahwa seluruh accurately, completely, and reflects the Bank’s actual condition,
informasi keuangan disusun dan disajikan secara akurat, while also supporting managerial decision-making, Board of
lengkap, dan mencerminkan kondisi Bank yang sebenarnya Commissioners’ oversight, and compliance with transparency
sekaligus mendukung pengambilan keputusan manajerial, obligations to regulators and stakeholders.
pengawasan Dewan Komisaris, serta pemenuhan kewajiban
transparansi kepada regulator dan pemangku kepentingan.
Dalam menjaga integritas Laporan Keuangan Bank, In order to maintain the integrity of the Bank’s Financial
OK BANK telah menerapkan kerangka ICoFR yang terintegrasi Statements, OK BANK has implemented an ICoFR framework
dalam siklus proses bisnis, pengelolaan risiko, serta tata integrated into the business process cycle, risk management,
kelola perusahaan yang baik mulai dari pencatatan transaksi, and good corporate governance, starting from transaction
pengolahan data akuntansi, hingga penyusunan dan recording, accounting data processing, and the preparation
publikasi Laporan Keuangan. Bank memastikan konsistensi and publication of Financial Statements. The Bank ensures
pelaksanaan ICoFR melalui penetapan Anti-Fraud Unit sebagai consistent ICoFR implementation through the establishment
Unit Kerja Khusus yang menjalankan fungsi oversight di Bank. of the Anti-Fraud Special Work Unit performing oversight
Adapun tahapan kegiatan ICoFR, antara lain meliputi: functions. The stages of ICoFR activities include:
1. Penetapan materialitas dan ruang lingkup ICoFR tahun 1. Determination of materiality and the scope of ICoFR for
2025; 2025;
2. Bank melakukan pemetaan pengendalian melalui RCSA 2. The Bank conducts mapping of controls through existing
yang ada untuk menilai kecukupan desain pengendalian RCSA to assess the adequacy of ICoFR design at
ICoFR pada tingkat proses (Process Level Control/PLC) the process level (Process Level Control/PLC) and to
serta memitigasi risiko kesalahan maupun kecurangan mitigate the risk of errors or fraud that could result in
yang berpotensi mengakibatkan salah saji dalam Laporan misstatements in the Financial Statements;
Keuangan;
3. Penyusunan dokumentasi Business Process Mapping 3. Preparation of Business Process Mapping (BPM) and Risk
(BPM) dan Risk Control Metrics (RCM); Control Matrices (RCM) documentation;
4. Pelaksanaan evaluasi desain pengendalian (Test of Design 4. Implementation of control design evaluation (Test of
Effectiveness/TOD) dan (Test of Operational Effectiveness/ Design Effectiveness/TOD) and operational effectiveness
TOE). testing (Test of Operational Effectiveness/TOE).
Implementasi ICoFR pada OK BANK merujuk kepada hal-hal The implementation of ICoFR at OK BANK refers to the following:
sebagai berikut:
1. Penetapan kebijakan integritas pelaporan keuangan di 1. The establishment of a financial reporting integrity policy
bulan Desember 2024, selain itu kerangka kebijakan dan in December 2024, in addition, the written policy and
prosedur tertulis telah tersedia dan diberlakukan secara procedural framework is available and consistently applied
konsisten untuk mengatur pencatatan transaksi keuangan to govern the recording of financial transactions and
dan penyusunan laporan keuangan sesuai dengan the preparation of financial statements in accordance
standar akuntansi dan ketentuan regulator. Bank secara with accounting standards and regulatory requirements.
berkelanjutan melakukan pemantauan dan penyesuaian The Bank continuously monitors and adjusts these
atas kebijakan dan prosedur tersebut agar tetap selaras policies and procedures to ensure alignment with
dengan perkembangan ketentuan. regulatory developments.
2. Struktur pengendalian internal Bank telah memiliki 2. The Bank’s internal control structure has adopted
kerangka three line of defense dengan penugasan peran a three lines of defense framework with clearly assigned
dan tanggung jawab yang jelas pada masing-masing roles and responsibilities for each operational, control,
fungsi operasional, fungsi pengendalian, dan fungsi and independent assurance function, so it can support
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assurance independen, sehingga mendukung penerapan the implementation of a check-and-balance mechanism in
mekanisme check and balance dalam seluruh aktivitas all activities affecting financial reporting.
yang berdampak pada pelaporan keuangan.
3. Mekanisme pengendalian preventif telah diterapkan 3. Preventive control mechanisms have been implemented
melalui pemisahan fungsi dan jenjang otorisasi yang through proper segregation of duties and adequate
memadai, guna memastikan bahwa setiap transaksi dan authorization levels, ensuring that every transaction
proses pelaporan keuangan dilakukan melalui tahapan and financial reporting process undergoes independent
verifikasi dan persetujuan yang independen. verification and approval stages.
4. Keandalan dan kualitas Laporan Keuangan Bank dijaga 4. The reliability and quality of the Bank’s Financial
melalui penerapan proses pelaporan yang tepat waktu Statements are maintained through timely and accurate
dan akurat, serta kesesuaian dengan Standar Akuntansi reporting processes, in compliance with Financial
Keuangan dan ketentuan OJK, diperkuat melalui Accounting Standards and OJK regulations, further
penunjukan Kantor Akuntan Publik dan Akuntan Publik strengthened by the appointment of independent and
yang independen dan berintegritas, guna memberikan reputable Public Accounting Firms and Public Accountants
keyakinan yang memadai atas kewajaran penyajian to provide sufficient assurance over the fairness of
Laporan Keuangan Bank. the Bank’s Financial Statements.
5. Tindak lanjut atas hasil audit eksternal dimonitor secara 5. Follow-up on external audit results is systematically
sistematis, untuk memastikan bahwa rekomendasi monitored to ensure that recommended improvements are
perbaikan telah dilaksanakan secara tepat waktu dan implemented promptly and properly documented.
terdokumentasi dengan baik.
Direksi OK BANK bertanggung jawab untuk menetapkan The Board of Directors of OK BANK is responsible for
dan memelihara pengendalian internal yang memadai establishing and maintaining adequate internal control
atas Laporan Keuangan. Berdasarkan hasil assessment over Financial Reporting. Based on the assessment of
terhadap efektivitas pengendalian internal atas Laporan the effectiveness of internal controls over Financial Reporting
Keuangan per 31 Desember 2025 dapat disimpulkan bahwa as of December 31, 2025, it can be concluded that the Bank’s
pengendalian internal atas Laporan Keuangan Bank adalah internal controls over Financial Reporting are effective in
efektif untuk mendukung integritas, keandalan, dan kewajaran supporting the integrity, reliability, and fairness of the Financial
penyajian Laporan Keuangan Bank. OK BANK berkomitmen Statements. OK BANK is committed to continuous evaluation
untuk senantiasa melakukan evaluasi dan penyempurnaan and improvement in line with business dynamics, regulatory
berkelanjutan sejalan dengan dinamika bisnis, perkembangan developments, and the Bank’s capacity to ensure that
regulasi, dan kapasitas Bank agar efektivitas ICoFR dapat the effectiveness of ICoFR is maintained according to
terjaga sesuai dengan operasional Bank. the Bank’s operations.
Rencana Strategi Bank
Bank Strategic Plan
Bank menyusun rencana strategi sebagai pedoman dalam The Bank formulates a strategic plan as a guideline to
mencapai tujuan usaha dan meningkatkan kinerja secara achieve its business objectives and to improve performance
berkelanjutan. Rencana strategi jangka pendek difokuskan sustainably. The short-term strategic plan focuses on
pada penguatan fundamental operasional, peningkatan strengthening operational fundamentals, enhancing service
kualitas layanan, dan pemenuhan ketentuan regulasi quality, and ensuring compliance with applicable regulatory
yang berlaku. Pada tahap ini, Bank juga memprioritaskan requirements. At this stage, the Bank also prioritizes
optimalisasi proses bisnis, pengelolaan risiko yang prudent, the optimization of business processes, prudent risk
dan peningkatan kompetensi SDM guna mendukung management, and the enhancement of HR competencies to
pencapaian target kinerja tahunan. support the achievement of annual performance targets.
Dalam rencana strategi jangka menengah, Bank mengarahkan In its medium-term strategic plan, the Bank directs its
upaya pada pengembangan bisnis yang berkesinambungan efforts toward sustainable business development through
melalui diversifikasi produk dan layanan, perluasan the diversification of products and services, expansion of market
pangsa pasar, serta pemanfaatan teknologi informasi share, and the utilization of information technology to improve
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untuk meningkatkan efisiensi dan daya saing. Bank juga efficiency and competitiveness. The Bank also strengthens its
memperkuat struktur permodalan, tata kelola, dan manajemen capital structure, governance, and risk management in order
risiko agar mampu menghadapi dinamika industri perbankan to respond effectively to the dynamics of the banking industry
dan perubahan kondisi ekonomi. Strategi ini diharapkan dapat and changes in economic conditions. This strategy is expected
mendorong pertumbuhan yang sehat dan berimbang. to drive a sound and balanced growth.
Sementara itu, rencana strategi jangka panjang disusun Meanwhile, the long-term strategic plan is designed to ensure
untuk memastikan keberlanjutan usaha Bank dalam jangka the sustainability of the Bank’s business over a longer
waktu yang lebih luas. Fokus utama meliputi penciptaan horizon. The main focus includes creating long-term
nilai jangka panjang bagi pemangku kepentingan, penguatan value for stakeholders, strengthening the Bank’s position
posisi Bank di industri perbankan, dan penerapan inovasi yang within the banking industry, and implementing innovations
berorientasi pada kebutuhan nasabah. Dengan perencanaan that are oriented toward customer needs. Through
strategis yang terarah dan berkesinambungan, Bank berupaya focused and continuous strategic planning, the Bank
menjaga stabilitas, meningkatkan daya saing, dan mendukung seeks to maintain stability, enhance competitiveness, and
pertumbuhan yang berkelanjutan. support sustainable growth.
Praktik Bad Governance
Bad Governance Practices
OK BANK menyadari bahwa praktik bad governance dapat OK BANK recognizes that bad governance practices may have
berdampak negatif terhadap kinerja, reputasi, dan keberlanjutan adverse impacts on the Bank’s performance, reputation, and
usaha Bank. Oleh karena itu, Bank berkomitmen untuk business sustainability. Therefore, the Bank is committed to
mencegah terjadinya praktik tata kelola yang tidak sehat, seperti preventing unhealthy governance practices, such as conflicts
benturan kepentingan, penyalahgunaan wewenang, kurangnya of interest, abuse of authority, lack of transparency, and
transparansi, dan ketidakpatuhan terhadap peraturan perundang- non-compliance with prevailing laws and regulations. This
undangan. Komitmen ini diwujudkan melalui penerapan prinsip commitment is realized through the consistent implementation
tata kelola perusahaan yang baik secara konsisten di seluruh of good corporate governance principles at all levels of
tingkat organisasi. the organization.
Dalam rangka memitigasi risiko praktik bad governance, In order to mitigate the risk of bad governance practices,
OK BANK menerapkan kebijakan, prosedur, dan sistem OK BANK implements adequate policies, procedures, and
pengendalian internal yang memadai, termasuk mekanisme internal control systems, including oversight mechanisms
pengawasan oleh Dewan Komisaris dan Direksi. Bank juga by the Board of Commissioners and the Board of Directors.
mendorong budaya kepatuhan, integritas, dan akuntabilitas The Bank also promotes a culture of compliance, integrity,
melalui peningkatan kesadaran seluruh insan Bank serta and accountability by enhancing awareness among all
penerapan sanksi yang tegas atas setiap pelanggaran. Dengan Bank personnel and enforcing strict sanctions for any
langkah-langkah tersebut, OK BANK berupaya menjaga violations. Through these measures, OK BANK seeks to
kepercayaan pemangku kepentingan dan memastikan kegiatan maintain stakeholders’ trust and ensure that its business
usaha dijalankan secara transparan, bertanggung jawab, activities are conducted in a transparent, responsible, and
dan berkelanjutan. sustainable manner.
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Penerapan atas Pedoman Tata Kelola Perusahaan
Implementation of Corporate Governance Guidelines
Sebagai entitas yang berstatus perusahaan terbuka, Bank As an entity with the status of a public company, the Bank has
telah menyesuaikan penerapan tata kelola perusahaan dengan adjusted the implementation of its corporate governance with
Pedoman Tata Kelola Perusahaan Terbuka sebagaimana diatur the Guidelines for Corporate Governance of Public Companies
dalam POJK Nomor 21/POJK.04/2015 tentang Penerapan as stipulated in POJK Number 21/POJK.04/2015 on
Pedoman Tata Kelola Perusahaan Terbuka serta SEOJK the Implementation of Corporate Governance Guidelines for
Nomor 32/SEOJK.04/2015. Implementasi pedoman tersebut Public Companies and SEOJK Number 32/SEOJK.04/2015.
dijalankan secara konsisten untuk memastikan transparansi, The implementation of these guidelines is carried out
akuntabilitas, dan pengelolaan Bank yang berintegritas. consistently to ensure transparency, accountability, and
the management of the Bank with integrity.
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam menjamin hak-hak Pemegang Saham.
Aspect 1: Relationship Between Public Company and Shareholders in guaranteeing Shareholders rights.
Prinsip 1 : Meningkatkan Nilai Penyelenggaraan RUPS.
Principle 1 : Increasing the Value of Convening the GMS.
Rekomendasi 1 Recommendation 1
Perusahaan Terbuka memiliki cara atau prosedur teknis The Public Company has technical procedures or methods
pengumpulan suara (voting) baik secara terbuka maupun tertutup for collecting votes, either openly or privately, which prioritize
yang mengedepankan independensi dan kepentingan Pemegang independence and the interests of Shareholders.
Saham.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Teknis pengumpulan suara dalam RUPS diatur dalam Tata The technical procedures for collecting votes at the GMS are
Tertib RUPS (dibacakan sebelum penyelenggaraan RUPS) dan governed by the Rules of Conducts of the GMS (read out prior to
dalam Anggaran Dasar untuk mengedepankan independensi the convening of the GMS) and the Articles of Association, with
dan kepentingan Pemegang Saham. Sebagai bentuk the aim of upholding independence and protecting the interests
transparansi Perseroan, Pemegang Saham dan masyarakat of Shareholders. As a form of the Company’s transparency,
luas dapat mengunduh hasil RUPS OK BANK pada situs Shareholders and the general public may download the results
web www.okbank.co.id. RUPSLB dilaksanakan pada tanggal of OK BANK’s GMS from the website www.okbank.co.id.
19 Februari 2025, 22 Mei 2025, dan 1 Oktober 2025 sedangkan The EGMS was held on February 19, 2025, May 22, 2025, and
RUPST dilaksanakan pada tanggal 22 Mei 2025. Pengambilan October 1, 2025, while the AGMS was held on May 22, 2025.
keputusan seluruh mata acara dilakukan berdasarkan musyawarah Resolutions on all agenda items were adopted based on
untuk mufakat, dalam hal musyawarah untuk mufakat tidak deliberation to reach consensus, if consensus could not be
tercapai pengambilan keputusan dilakukan dengan pemungutan achieved, resolutions were adopted through voting. Voting on Status:
suara. Pemungutan suara mengenai usul yang diajukan dalam proposals for each agenda item of the Meeting was conducted Terpenuhi
setiap mata acara Rapat dilakukan secara lisan dengan metode verbally using a vote pooling method, whereby Shareholders Status:
pooling suara yang dilakukan dengan cara para Pemegang or their authorized proxies who disagreed or abstained from Fulfilled
Saham atau kuasa yang mewakilinya yang tidak setuju atau the proposed resolution raised their hands to submit their ballots,
abstain terhadap usul yang diajukan mengangkat tangan untuk which were then counted by a Notary. Abstention votes followed
menyerahkan surat suara dan kemudian surat suara dihitung oleh the majority vote between votes in favor and votes against for
Notaris. Suara abstain mengikuti suara terbanyak antara suara each agenda item of the Meeting.
setuju dan suara tidak setuju untuk masing-masing agenda Rapat.
Rekomendasi 2 Recommendation 2
Seluruh anggota Direksi dan anggota Dewan Komisaris All members of the Board of Directors and the Board of
Perusahaan Terbuka hadir dalam RUPS Tahunan. Commissioners of the Public Company attend the Annual GMS.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Kehadiran anggota Direksi dan Dewan Komisaris pada saat The attendance of the Board of Directors and Board of
RUPSLB pada tanggal 19 Februari 2025 dihadiri oleh 3 (tiga) Commissioners at the EGMS on February 19, 2025 included
anggota Direksi dan 2 (dua) anggota Dewan Komisaris yang 3 (three) members of the Board of Directors and 2 (two) members
seluruhnya hadir secara fisik. Pada saat RUPST dan RUPSLB of the Board of Commissioners, all attending physically.
tanggal 22 Mei 2025 dihadiri oleh 3 (tiga) anggota Direksi dan At the AGMS and EGMS on May 22, 2025, attendance included
2 (dua) anggota Dewan Komisaris yang seluruhnya hadir secara 3 (three) members of the Board of Directors and 2 (two) members
fisik. Sedangkan, pada saat RUPSLB tanggal 1 Oktober 2025 of the Board of Commissioners, all present physically. Meanwhile,
dihadiri oleh 5 (lima) anggota Direksi dan 3 (tiga) anggota Dewan at the EGMS on October 1, 2025, 5 (five) members of the Board of
Komisaris yang seluruhnya hadir secara fisik. Directors and 3 (three) members of the Board of Commissioners
attended, all physically present.
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Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam menjamin hak-hak Pemegang Saham.
Aspect 1: Relationship Between Public Company and Shareholders in guaranteeing Shareholders rights.
Rekomendasi 3 Recommendation 3
Ringkasan risalah RUPS tersedia dalam situs web Perusahaan The summary of the GMS minutes is available on the Public
Terbuka paling sedikit selama 1 (satu) tahun. Company’s website for at least 1 (one) year.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Ringkasan risalah RUPS telah dipublikasikan dalam situs web A summary of the minutes of the GMS has been published on
OK BANK dan tersedia selama lebih dari 1 (satu) tahun. OK BANK website and remains available for more than 1 (one) year.
Prinsip 2 : Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
Principle 2 : Improving the Quality of Public Company Communication with Shareholders or Investors.
Rekomendasi 4 Recommendation 4
Perusahaan Terbuka memiliki suatu kebijakan komunikasi The Public Company has a communication policy with
dengan Pemegang Saham atau investor. Shareholders or investors. Status:
Terpenuhi
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Status:
Kebijakan komunikasi dengan Pemegang Saham atau investor The communication policy with Shareholders or investors is Fulfilled
melalui situs web OK BANK bagian hubungan investor dan dalam implemented through OK BANK’s website under the investor
Laporan Tahunan yang dikirimkan kepada Pemegang Saham atau relations section, as well as in the Annual Report distributed to
investor. Shareholders or investors.
Rekomendasi 5 Recommendation 5
Perusahaan Terbuka mengungkapkan kebijakan komunikasi The Public Company discloses its communication policy with
Perusahaan Terbuka dengan Pemegang Saham atau investor Shareholders or investors on the website.
dalam situs web.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
OK BANK telah mengungkapkan kebijakan komunikasi OK BANK has disclosed its communication policy with
dengan Pemegang Saham dalam situs web pada laman Shareholders on its website at https://www.okbank.co.id.
https://www.okbank.co.id.
Aspek 2 : Fungsi dan Peran Dewan Komisaris.
Aspect 2 : Board of Commissioners’ Functions and Roles.
Prinsip 3 : Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.
Principle 3 : Strengthening the Board of Commissioners’ Membership and Composition.
Rekomendasi 6 Recommendation 6
Penentuan jumlah anggota Dewan Komisaris mempertimbangkan The number of Board of Commissioners’ members is determined
kondisi Perusahaan Terbuka. by considering the Public Company’ condition.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Penentuan jumlah anggota Dewan Komisaris telah The number of Board of Commissioners’ members has
mempertimbangkan kondisi OK BANK. Posisi anggota Dewan been determined by considering OK BANK’s condition. As of
Komisaris per 31 Desember 2025 adalah sebanyak 3 (tiga) orang December 31, 2025, the Board of Commissioners consists of
anggota termasuk 2 (dua) anggota Komisaris Independen. 3 (three) members, including 2 (two) Independent Commissioners.
Rekomendasi 7 Recommendation 7
Penentuan komposisi anggota Dewan Komisaris memperhatikan The number of Board of Commissioners’ members is determined
Status:
keberagaman keahlian, pengetahuan, dan pengalaman yang by considering the diversity of expertise, knowledge, and
Terpenuhi
dibutuhkan. experience required.
Status:
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Fulfilled
Penentuan komposisi anggota Dewan Komisaris telah The number of Board of Commissioners’ members has been
memperhatikan keberagaman, keahlian, pengetahuan, dan determined by considering the required diversity, expertise,
pengalaman yang dibutuhkan yang berdasarkan rekomendasi dari knowledge, and experience, based on the recommendation from
Komite Remunerasi dan Nominasi. the Remuneration and Nomination Committee.
Prinsip 4 : Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Principle 4 : Improving the Quality of Implementation of Board of Commissioners’ Duties and Responsibilities.
Rekomendasi 8 Recommendation 8
Dewan Komisaris mempunyai kebijakan penilaian sendiri The Board of Commissioners has a self-assessment policy to
(self-assessment) untuk menilai kinerja Dewan Komisaris. evaluate the Board of Commissioners’ performance.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Dewan Komisaris mempunyai kebijakan penilaian sendiri The Board of Commissioners has a self-assessment policy to
(self-assessment) untuk menilai kinerja Dewan Komisaris. evaluate the Board of Commissioners’ performance.
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Aspek 2 : Fungsi dan Peran Dewan Komisaris.
Aspect 2 : Board of Commissioners’ Functions and Roles.
Rekomendasi 9 Recommendation 9
Kebijakan penilaian sendiri (self-assessment) untuk menilai The self-assessment policy for evaluating the Board of
kinerja Dewan Komisaris, diungkapkan melalui Laporan Tahunan Commissioners’ performance is disclosed in the Public Company’s
Perusahaan Terbuka. Annual Report.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Kebijakan penilaian sendiri (self-assessment) untuk menilai kinerja The self-assessment policy for assessing the performance
Dewan Komisaris, telah diungkapkan melalui Laporan Tahunan OK of the Board of Commissioners has been disclosed through
BANK. OK BANK’s Annual Report.
Prinsip 4 : Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Principle 4 : Improving the Quality of Implementation of Board of Commissioners’ Duties and Responsibilities.
Rekomendasi 10 Recommendation 10
Dewan Komisaris mempunyai kebijakan terkait pengunduran The Board of Commissioners has a policy regarding
diri anggota Dewan Komisaris apabila terlibat dalam kejahatan the resignation of a member of the Board of Commissioners if
keuangan. involved in financial crimes. Status:
Terpenuhi
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Status:
Dewan Komisaris mempunyai kebijakan terkait pengunduran The Board of Commissioners has a policy regarding Fulfilled
diri anggota Dewan Komisaris apabila terlibat dalam kejahatan the resignation of a member of the Board of Commissioners if
keuangan. involved in financial crimes.
Rekomendasi 11 Recommendation 11
Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi The Board of Commissioners or the Committee performing
dan Remunerasi menyusun kebijakan suksesi dalam proses the Nomination and Remuneration function prepares
Nominasi anggota Direksi. a succession policy in the nomination process for members of
the Board of Directors.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Komite Remunerasi dan Nominasi menyusun kebijakan suksesi The Remuneration and Nomination Committee prepares
dalam proses Nominasi anggota Direksi yaitu pemberian a succession policy in the nomination process for members
rekomendasi mengenai pemilihan dan/atau penggantian of the Board of Directors, by providing recommendations on
anggota Direksi kepada Dewan Komisaris untuk disampaikan the appointment and/or replacement of members of the Board
dalam RUPS. of Directors to the Board of Commissioners to be submitted at
the GMS.
Aspek 3: Fungsi dan Peran Direksi.
Aspect 3: Board of Directors’ Functions and Roles.
Prinsip 5 : Memperkuat Keanggotaan dan Komposisi Direksi.
Principle 5 : Strengthening the Board of Directors’ Membership and Composition.
Rekomendasi 12 Recommendation 12
Penentuan jumlah anggota Direksi mempertimbangkan kondisi The number of Board of Directors’ members is determined by
Perusahaan Terbuka serta efektivitas dalam pengambilan considering the Public Company’s condition and decision-making
keputusan. effectiveness.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Penentuan jumlah anggota Direksi telah mempertimbangkan The determination of the number of members of the Board of
Kondisi OK BANK dan efektivitas dalam pengambilan keputusan. Directors has considered OK BANK’s conditions and the effectiveness
Penentuan jumlah anggota Direksi diusulkan oleh Komite of decision-making. The proposed number of members of the Board
Remunerasi dan Nominasi kepada Dewan Komisaris untuk of Directors is submitted by the Remuneration and Nomination Status:
dimintakan persetujuan kepada RUPS. Posisi anggota Direksi Committee to the Board of Commissioners to be approved by Terpenuhi
per 31 Desember 2025 adalah sebanyak 5 (lima) orang. Terdapat the GMS. As of December 31, 2025, the Board of Directors consisted
2 (dua) orang anggota Direksi yang baru efektif menjabat di tahun of 5 (five) members. There are 2 (two) members of the Board of Status:
2025, yaitu Direktur Utama dan Direktur Kredit. Directors who become effective in their positions in 2025, namely Fulfilled
the President Director and the Director of Credit.
Rekomendasi 13 Recommendation 13
Penentuan komposisi anggota Direksi memperhatikan, keberagaman The Board of Directors’ composition is determined by considering
keahlian, pengetahuan, dan pengalaman yang dibutuhkan. the diversity of expertise, knowledge, and experience required.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Penentuan komposisi anggota Direksi berdasarkan usulan dari The Board of Directors’ composition, based on the proposal from
Komite Remunerasi dan Nominasi kepada Dewan Komisaris untuk the Remuneration and Nomination Committee to the Board of
dimintakan persetujuan RUPS telah memperhatikan, keberagaman Commissioners for the GMS approval, has been determined by
keahlian, pengetahuan, dan pengalaman yang dibutuhkan. considering the diversity of expertise, knowledge, and experience
required.
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Aspek 3: Fungsi dan Peran Direksi.
Aspect 3: Board of Directors’ Functions and Roles.
Rekomendasi 14 Recommendation 14
Anggota Direksi yang membawahi bidang akuntansi atau Members of the Board of Directors who oversee accounting or
keuangan memiliki keahlian dan/atau pengetahuan di bidang finance functions possess expertise and/or knowledge in the field
akuntansi. of accounting.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Anggota Direksi yang membawahi bidang akuntansi atau Members of the Board of Directors who oversee the accounting or
keuangan memiliki keahlian dan/atau pengetahuan di bidang finance functions possess expertise and/or knowledge in the field
akuntansi. of accounting.
Prinsip 6 : Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.
Principle 6 : Improving the Quality of Implementation of the Board of Directors’ Duties and Responsibilities.
Rekomendasi 15 Recommendation 15
Direksi mempunyai kebijakan penilaian sendiri (self-assessment) The Board of Directors has a self-assessment policy to evaluate
untuk menilai kinerja Direksi. the Board of Directors’ performance.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Direksi mempunyai kebijakan penilaian sendiri (self-assessment) The Board of Directors has a self-assessment policy to evaluate
untuk menilai kinerja Direksi. Self-assessment dilakukan minimal the Board of Directors’ performance. The self-assessment is Status:
1 (satu) kali dalam 1 (satu) tahun. Kriteria atau tolak ukur yang conducted at least once a year. The criteria or benchmarks used Terpenuhi
digunakan mengacu pada Rencana Bisnis Bank yang telah refer to the Bank’s Business Plan as approved by the Board of Status:
disetujui oleh Dewan Komisaris. Commissioners. Fulfilled
Rekomendasi 16 Recommendation 16
Kebijakan penilaian sendiri (self-assessment) untuk menilai The self-assessment policy to evaluate the Board of Directors’
kinerja Direksi diungkapkan melalui laporan tahunan Perusahaan performance is disclosed in the Annual Report of the Public
Terbuka. Company.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Penilaian kinerja Direksi telah diungkapkan pada Laporan Tahunan The performance evaluation of the Board of Directors has been
OK BANK. disclosed in OK BANK’s Annual Report.
Rekomendasi 17 Recommendation 17
Direksi mempunyai kebijakan terkait pengunduran diri anggota The Board of Directors has a policy regarding the resignation
Direksi apabila terlibat dalam kejahatan keuangan. of members of the Board of Directors if they are involved in
financial crimes.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Direksi mempunyai kebijakan terkait pengunduran diri anggota The Board of Directors has a policy regarding the resignation
Direksi apabila terlibat dalam kejahatan keuangan. of members of the Board of Directors if they are involved in
financial crimes.
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 Recommendation 18
Perusahaan Terbuka memiliki kebijakan untuk mencegah terjadinya The Public Company has a policy to prevent insider trading.
Status:
insider trading.
Penjelasan
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Status:
OK BANK belum memiliki kebijakan untuk mencegah terjadinya OK BANK does not yet have a policy to prevent insider trading, Explanation
insider trading. Dikarenakan transaksi saham masih memakai as share transactions are still conducted through third-party
jasa pihak ketiga. services.
Rekomendasi 19 Recommendation 19
Perusahaan Terbuka memiliki kebijakan anti-korupsi dan anti-fraud. The Public Company has an anti-corruption and anti-fraud policy.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK Status:
Dalam rangka pelaksanaan anti-korupsi dan anti-fraud, In order to implement anti-corruption and anti-fraud, Terpenuhi
Perseroan senantiasa mendukung penuh segala upaya untuk the Company fully supports all efforts to implement Status:
mengimplementasikan strategi anti-korupsi, anti-fraud dan anti-corruption, anti-fraud, and anti-bribery strategies as Fulfilled
anti-suap sebagaimana disampaikan dalam Pakta Integritas outlined in the Anti-Fraud, Anti-Corruption, and Anti-Bribery
Anti-Fraud, Anti-Korupsi dan Anti-Suap serta Kebijakan Strategi Integrity Pact and Anti-Fraud Strategy Policy.
Anti-Fraud.
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Aspek 4 : Partisipasi Pemangku Kepentingan.
Aspect 4 : Stakeholder Participation.
Rekomendasi 20 Recommendation 20
Perusahaan Terbuka memiliki kebijakan tentang seleksi dan The Public Company has a policy regarding the selection and
peningkatan kemampuan pemasok atau vendor. capacity building of suppliers or vendors.
Status:
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Terpenuhi
Perseroan telah memiliki kebijakan dalam melakukan seleksi The Company has established a policy for the selection of
Status:
pemasok atau vendor yang dilakukan secara objektif, transparan, suppliers or vendors that is conducted objectively, transparently,
Fulfilled
dan berdasarkan kriteria yang ditetapkan. Selain itu, Perseroan and based on established criteria. In addition, the Company
juga mendorong peningkatan kemampuan pemasok atau encourages the enhancement of supplier or vendor capabilities
vendor melalui evaluasi kinerja untuk mendukung kualitas dan through performance evaluation to support quality and
keberlanjutan kerja sama. sustainable cooperation.
Rekomendasi 21 Recommendation 21
Perusahaan Terbuka memiliki kebijakan tentang pemenuhan The Public Company has a policy regarding the fulfillment of
hak-hak kreditur. creditors’ rights.
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK
Perseroan menjamin pemenuhan hak-hak kreditur di antaranya The Company guarantees the fulfillment of creditors’ rights,
hak untuk mendapatkan Laporan Tahunan dan dan Laporan including the right to receive the Annual Report and audited
Keuangan yang telah diaudit, hak untuk mendapatkan informasi Financial Statements, as well as the right to obtain information
dan kemudahan akses pengumuman, pemanggilan, dan hasil and easy access to announcements, invitations, and results of
RUPS. the GMS.
Rekomendasi 22 Recommendation 22
Perusahaan Terbuka memiliki kebijakan sistem Whistleblowing. The Public Company has established a Whistleblowing system
policy.
Status:
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK Terpenuhi
Bank telah menetapkan saluran penyampaian pengaduan serta The Bank has established a communication channel for Status:
laporan dugaan fraud melalui whistleblowing system (WBS). submitting complaints and reports of suspected fraud through Fulfilled
Pengaturan lebih lanjut atas WBS tersebut menjadi bagian dari the whistleblowing system (WBS). Further regulation of
Kebijakan Penerapan Strategi Anti-Fraud. Saluran ini dikelola the WBS is part of the Anti-Fraud Strategy Implementation
oleh Divisi Internal Audit sebagai Unit Anti-Fraud. Policy. This channel is managed by the Internal Audit Division as
the Anti-Fraud Unit.
Rekomendasi 23 Recommendation 23
Perusahaan Terbuka memiliki kebijakan pemberian insentif The Public Company has a policy on granting long-term incentives
jangka panjang kepada Direksi dan karyawan. to the Board of Directors and employees.
Penjelasan Penerapan di OK BANK Explanation of the Implementataion at OK BANK
Perseroan telah mengungkapkan Kebijakan Pemberian Insentif The Company has disclosed the Incentive Policy for the Board of
kepada Direksi pada Laporan Tahunan ini. Kebijakan Pemberian Directors in this Annual Report. The Incentive Policy for Employees
Insentif kepada Karyawan telah dituangkan dalam Kebijakan has been stipulated in the Employee Performance Appraisal Policy.
Penilaian Kinerja Pegawai.
Aspek 5 : Keterbukaan Informasi.
Aspect 5 : Information Disclosure.
Prinsip 8 : Meningkatkan Pelaksanaan Keterbukaan Informasi.
Principle 8 : Improving the Implementation of Information Disclosure.
Rekomendasi 24 Recommendation 24
Perusahaan Terbuka memanfaatkan penggunaan teknologi The Public Company utilizes information technology more broadly, Status:
informasi secara lebih luas selain situs web sebagai media in addition to its website, as a medium for information disclosure. Terpenuhi
keterbukaan informasi.
Status:
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK Fulfilled
Perseroan memanfaatkan penggunaan teknologi informasi The Company utilizes information technology as a medium
sebagai media keterbukaan informasi, yaitu situs web for information disclosure, namely through its website
(www.okbank.co.id), Instagram, Customer Care Call Center (www.okbank.co.id), Instagram, and Customer Care Call Center
150112. 150112.
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Aspek 5 : Keterbukaan Informasi.
Aspect 5 : Information Disclosure.
Rekomendasi 25 Recommendation 25
Laporan Tahunan Perusahaan Terbuka mengungkapkan pemilik The Public Company’s Annual Report discloses the ultimate
manfaat akhir dalam kepemilikan saham Perusahaan Terbuka beneficial owners of at least 5% (five percent) of the Public
paling sedikit 5% (lima persen), selain pengungkapan pemilik Company’s shares, in addition to the disclosure of the ultimate
manfaat akhir dalam kepemilikan saham Perusahaan Terbuka beneficial owners of the Public Company’s shares through Status:
melalui Pemegang Saham Utama dan Pengendali. the Major and Controlling Shareholders. Terpenuhi
Penjelasan Penerapan di OK BANK Explanation of the Implementation at OK BANK Status:
Fulfilled
Sesuai Laporan Tahunan Perseroan telah mengungkapkan In accordance with the Company’s Annual Report, the Company
daftar Pemegang Saham Perseroan yang memiliki saham has disclosed the Shareholders register holding 5% (five percent)
5% (lima persen), Pemegang Saham Utama/Pengendali of the Company’s shares, the Company’s Major/Controlling
Perseroan dan Pemilik manfaat akhir adalah Yoon Choi selaku Shareholders, and the Ultimate Beneficial Owner, namely Yoon
Ultimate Beneficial Owner Perseroan. Choi as the Ultimate Beneficial Owner of the Company.
Pelaksanaan Tata Kelola Tahun 2025 Implementation of Governance in 2025
Pelaksanaan tata kelola OK BANK pada tahun 2025 berfokus The implementation of OK BANK’s corporate governance in
pada penguatan prinsip transparansi, akuntabilitas, dan 2025 focused on strengthening the principles of transparency,
integritas dalam setiap aktivitas operasional. OK BANK accountability, and integrity across all operational activities.
terus memastikan bahwa seluruh kebijakan dan prosedur OK BANK continuously ensures that all internal policies and
internal sejalan dengan ketentuan regulator serta standar procedures are in line with applicable regulatory provisions
industri perbankan yang berlaku. Upaya peningkatan kualitas and banking industry standards. Efforts to enhance
manajemen risiko, kepatuhan, dan pengendalian internal the quality of risk management, compliance, and internal control
dilakukan secara berkesinambungan untuk menjaga stabilitas are carried out on an ongoing basis to maintain performance
kinerja serta melindungi kepentingan nasabah dan pemangku stability and safeguard the interests of customers and
kepentingan lainnya. other stakeholders.
Selain itu, OK BANK juga memperkuat peran organ tata Furthermore, OK BANK strengthens the role of its governance
kelola, seperti Dewan Komisaris, Direksi, dan komite-komite organs, including the Board of Commissioners, the Board of
pendukung untuk memastikan pengambilan keputusan Directors, and supporting committees, to ensure that strategic
strategis berjalan secara efektif dan bertanggung jawab. decision-making was conducted effectively and responsibly.
Inovasi digital dan transformasi proses bisnis dilakukan dengan Digital innovation and business process transformation are
tetap memprioritaskan keamanan data dan perlindungan implemented while continuing to prioritize data security and
nasabah. Dengan pendekatan tata kelola yang lebih adaptif customer protection. Through a more adaptive and forward-
dan berorientasi masa depan, OK BANK berkomitmen looking governance approach, OK BANK is committed to
untuk menciptakan pertumbuhan yang berkelanjutan serta achieving sustainable growth and delivering added value to all
memberikan nilai tambah bagi seluruh pemangku kepentingan stakeholders in 2025.
pada tahun 2025.
Pelaksanaan Penilaian Assessment Implementation
Pelaksanaan penilaian tata kelola dilakukan melalui evaluasi The corporate governance assessment is conducted through
menyeluruh terhadap keseluruhan governance system, a comprehensive evaluation of the entire governance system,
mencakup aspek governance structure, governance process, encompassing governance structure, governance process,
dan governance outcomes. Penilaian ini bertujuan untuk and governance outcomes. This assessment aims to ensure
memastikan bahwa kerangka organisasi, mekanisme that the organizational framework, management mechanisms,
pengelolaan, dan hasil penerapan tata kelola berjalan and the outcomes of governance implementation function
secara efektif dan selaras dengan prinsip-prinsip tata kelola effectively and are aligned with the principles of good corporate
perusahaan yang baik. Melalui pendekatan yang komprehensif governance. Through this comprehensive approach, the Bank
tersebut, Bank dapat mengidentifikasi area yang perlu diperkuat is able to identify areas requiring further strengthening
sekaligus memastikan kualitas tata kelola yang berkelanjutan. while ensuring the sustained quality of corporate governance.
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Uraian Peringkat Definisi Peringkat
Description Rating Rank Definition
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
Individual tindakan normal oleh manajemen Bank.
2
Individual
Reflecting that the Bank’s management has generally implemented good corporate governance. This is evident
from the adequate fulfillment of governance principles. Where there are weaknesses in the implementation of
governance principles, they are generally minor and can be addressed through normal management actions.
Konsolidasi
- -
Consolidation
Analisis
Analysis
Berdasarkan hasil penilaian penerapan tata kelola, Bank memiliki Based on the corporate governance assessment, the Bank has
kecukupan struktur dan proses tata kelola yang memadai dalam an adequate governance structure and processes to support the effective
mendukung efektivitas pelaksanaan prinsip-prinsip GCG. Terkait implementation of GCG principles. Regarding structure, OK BANK has
struktur, OK BANK memiliki jumlah struktur dan komposisi dari Direksi, a sufficient number and composition of the Board of Directors, Board of
Dewan Komisaris, dan keanggotaan komite telah sesuai dengan yang Commissioners, and committee memberships as required by regulators.
dipersyaratkan regulator. Terkait proses, telah dilaksanakan rapat In terms of processes, regular meetings of the Board of Directors, Board
Direksi dan Dewan Komisaris serta rapat komite berkala sebagai of Commissioners, and committees have been conducted to fulfill their
pelaksanaan tanggung jawab. RBB telah dibahas pada rapat Direksi dan responsibilities. The RBB has been discussed in Board of Directors and
Dewan Komisaris serta telah disampaikan kepada OJK sesuai dengan Board of Commissioners meetings and submitted to OJK in accordance
ketentuan yang berlaku. Implementasi tata kelola tersebut telah berjalan with applicable regulations. The implementation of governance has
dengan kualitas yang memadai, sehingga mampu memenuhi ekspektasi been carried out with adequate quality, thereby meeting stakeholder
pemangku kepentingan dan mendukung keberlanjutan kinerja serta expectations and supporting the Bank’s performance sustainability and
pengelolaan risiko Bank. risk management.
Penerapan Sistem Manajemen Risiko [GRI 2-25]
Implementation of Risk Management System
Penerapan sistem manajemen risiko OK BANK dibangun The implementation of OK BANK’s risk management system is
berdasarkan pedoman yang telah ditetapkan oleh regulator, established based on guidelines set by the regulator, including
termasuk POJK Nomor 18/POJK.03/2016 tentang Penerapan POJK Number 18/POJK.03/2016 on the Implementation of Risk
Manajemen Risiko Bagi Bank Umum yang berlaku sejak Management for Commercial Banks, which has been effective
16 Maret 2016. Landasan ini menjadi acuan dalam mengelola since March 16, 2016. This framework becomes a reference
risiko secara terstruktur, mulai dari identifikasi, pengukuran, for managing risks in a structured manner, starting from
pemantauan, hingga pengendalian terhadap berbagai potensi identification, measurement, monitoring, to the control of various
risiko yang muncul dalam kegiatan operasional perbankan. potential risks arising from banking operational activities.
Dalam menjalankan praktik manajemen risiko, OK BANK In carrying out risk management practices, OK BANK has also
juga memperkuat penerapannya melalui ketentuan yang strengthened its implementation through the provisions stipulated
tercantum dalam SEOJK Nomor 14/SEOJK.03/2017 tentang in SEOJK Number 14/SEOJK.03/2017 on the Assessment of
Penilaian Tingkat Kesehatan Bank Umum yang berlaku sejak the Soundness Level of Commercial Banks, which has been
17 Maret 2017. Pedoman ini membantu Bank memastikan effective since March 17, 2017. This guideline assists the Bank
bahwa proses pengelolaan risiko selaras dengan penilaian in ensuring that its risk management processes are aligned
kesehatan Bank secara keseluruhan sehingga pelaksanaan with the overall assessment of the Bank’s soundness, thereby
kegiatan usaha dapat berlangsung secara aman, sehat, enabling business activities to be conducted in a safe, sound,
dan berkelanjutan. and sustainable manner.
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Terdapat beberapa perkembangan penting yang dapat There were several important developments that affected
memengaruhi profil risiko OK BANK pada tahun 2025, meliputi: OK BANK’s risk profile in 2025, as follows:
1. Peningkatan debitur inti dan tingkat konsentrasi pada 1. An increase in core debtors and concentration levels in
segmen kredit korporasi; the corporate credit segment;
2. Posisi kredit bermasalah yang cenderung stabil 2. A non-performing loan position that tends to remain stable
dibandingkan tahun sebelumnya; compared to the previous year;
3. Peningkatan aset yang ditopang oleh perkembangan 3. Growth in assets supported by the increase in total loans;
jumlah kredit; serta and
4. Pengembangan aktivitas digital mobile banking yang 4. Ongoing development of mobile banking digital activities
masih berjalan guna menopang bisnis Bank. to support the Bank’s business.
Eksposur Risiko OK BANK OK BANK Risk Exposure
Pada tahun 2025, terdapat beberapa eksposur risiko utama In 2025, OK BANK faced several key risk exposures, including:
pada OK BANK, meliputi:
1. Risiko kredit khususnya yang bersumber dari kualitas 1. Credit risk, particularly arising from the quality of the credit
portofolio kredit akibat tunggakan pembayaran debitur dan portfolio due to overdue payments from debtors and
perkembangan restrukturisasi kredit; serta the progress of credit restructuring; and
2. Risiko operasional dengan meningkatnya bisnis Bank 2. Operational risk, where the growth of the Bank’s business
maka sejalan juga meningkatnya risiko operasional yang was accompanied by an increase in operational risks
berkaitan dengan aktivitas Bank. related to the Bank’s activities.
Kerangka Manajemen Risiko Risk Management Framework
Kerangka manajemen risiko OK BANK disusun untuk OK BANK’s risk management framework is prepared to ensure
memastikan seluruh kegiatan usaha berjalan secara terukur that all business activities are conducted in a measurable
dan terkendali melalui tahapan identifikasi, pengukuran, and well-controlled manner through consistent stages of risk
pemantauan, dan pengendalian risiko yang konsisten. identification, measurement, monitoring, and control. This
Pendekatan ini diterapkan pada setiap jenis risiko yang muncul approach is applied to every type of risk arising from banking
dalam operasional perbankan. Penerapannya melibatkan operations. Its implementation involves the active participation
peran aktif seluruh unit kerja, pengawasan berlapis, dan of all work units, layered supervision, and the support of internal
dukungan kebijakan serta prosedur internal yang diperbarui policies and procedures that are periodically updated to remain
secara berkala agar selaras dengan perubahan kondisi industri aligned with changes in industry conditions and regulatory
dan ketentuan regulator. Kerangka ini menjadi fondasi bagi requirements. This framework serves as the foundation for
OK BANK dalam menjaga stabilitas kinerja dan meningkatkan OK BANK in maintaining performance stability and enhancing
ketahanan terhadap berbagai potensi gangguan. resilience against various potential disruptions.
Tujuan dan Strategi Manajemen Risiko Risk Management Objectives and Strategies
Pada tahun 2025, tujuan utama manajemen risiko OK BANK In 2025, the primary objective of OK BANK’s risk management
adalah untuk memastikan tingkat risiko yang dihadapi Bank was to ensure that the Bank’s risk levels were consistently
senantiasa terjaga dengan: maintained by:
1. Melakukan pemantauan terhadap kualitas aset dan 1. Monitoring asset quality and minimizing risks related to
meminimalkan risiko sehubungan dengan pertumbuhan the Bank’s credit growth;
kredit Bank;
2. Memastikan pengelolaan likuiditas Bank dapat menopang 2. Ensuring that the Bank’s liquidity management could
perkembangan bisnis dan operasional; support business and operational development;
3. Menjaga kualitas produk dan layanan operasional Bank; 3. Maintaining the quality of the Bank’s products and
operational services; and
4. Memastikan Bank memiliki langkah-langkah untuk 4. Ensuring that the Bank had measures in place to safeguard
menjaga kelangsungan usaha, seperti Recovery Plan dan business continuity, such as a Recovery Plan and Business
Business Continuity Management. Continuity Management.
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Adapun strategi yang ditempuh OK BANK dalam mengelola Meanwhile, the strategies undertaken by OK BANK in managing
risiko kredit diuraikan sebagai berikut: credit risk are outlined as follows:
1. Mengoptimalkan early warning system yang telah 1. Optimizing the enhanced early warning system, enabling
disempurnakan sehingga Bank mampu secara efektif dan the Bank to effectively and efficiently determine mitigation
efisien menetapkan langkah-langkah dalam memitigasi actions to prevent losses arising from credit risk;
kerugian karena risiko kredit;
2. Penerapan stress test dan monitoring atas profil risiko 2. Implementing stress testing and monitoring the risk profile
debitur yang dilandasi dengan skenario global market crisis of debtors based on scenarios of a global market crisis and
dan bank-specific crisis; bank-specific crisis;
3. Melakukan penyempurnaan dan pengkinian pada proses 3. Improving and updating the credit review process and loan
review kredit serta pengambilan keputusan kredit; decision-making;
4. Pemantauan kualitas pada setiap segmen kredit yang ada 4. Monitoring the quality of each credit segment within
pada Bank; serta the Bank; and
5. Upaya penyelesaian kredit bermasalah untuk meningkatkan 5. Taking necessary actions to resolve non-performing loans
kualitas aset produktif. in order to improve the quality of earning assets.
Untuk mengelola risiko likuiditas dan pasar di sepanjang tahun In order to manage liquidity and market risks throughout 2025,
2025, OK BANK menempuh berbagai strategi berikut: OK BANK implemented the following strategies:
1. Meningkatkan Dana Pihak Ketiga (DPK) dengan jangka waktu 1. Increasing Third-Party Funds (DPK) with longer tenors and
panjang dan mengoptimalkan peningkatan Current Account optimizing the growth of Current Account Savings Account
Saving Account (CASA) melalui produk-produk layanan; (CASA) through service product offerings;
2. Melakukan penyesuaian suku bunga DPK mengikuti 2. Adjusting deposit interest rates in line with the development
perkembangan kebijakan suku bunga Bank Indonesia; serta of Bank Indonesia’s interest rate policy; and
3. Terus meningkatkan kerja sama antar bank lain melalui pasar 3. Continuously strengthening collaboration with other banks
uang (money market) agar dapat memanfaatkan fasilitas Call through the money market to utilize interbank Call Money
Money maupun Repo Surat Berharga intern Bank. and internal Bank Securities Repo facilities.
Untuk mengelola risiko operasional dan lainnya di sepanjang To manage operational and other risks throughout 2025,
tahun 2025, OK BANK menempuh berbagai strategi berikut: OK BANK implemented the following strategies:
1. Melakukan proses otomatisasi proses pelaporan guna 1. Automating reporting processes to support the Bank’s
mendukung operasional Bank; operations;
2. Menyesuaikan dan menyempurnakan prosedur operasional 2. Adjusting and enhancing operational procedures to align
agar sesuai dengan proses kerja pada Core Banking System with the work processes in the Core Banking System and
maupun produk yang digunakan Bank; the Bank’s products;
3. Melakukan sosialisasi dan pelatihan terkait pengendalian 3. Conducting dissemination and training related to internal
internal atas proses kerja; controls over work processes;
4. Melakukan monitoring terhadap seluruh kinerja bisnis 4. Conduct monitoring of overall business performance
terhadap RBB yang telah ditetapkan; against the established RBB.
5. Meningkatkan strategi pemasaran dan brand awareness 5. Enhancing marketing strategies and increasing brand
produk dan layanan Bank kepada masyarakat luas lewat awareness of the Bank’s products and services to the wider
berbagai media termasuk media sosial; public through various media, including social media;
6. Meningkatkan pengendalian keamanan dan tata kelola 6. Strengthening security controls and governance over
pada sistem Teknologi Informasi Bank; the Bank’s Information Technology systems;
7. Melakukan risk assessment atas pengembangan produk 7. Conducting risk assessments on the development of both
Bank baik yang konvensional maupun E-Channel; serta conventional and E-Channel Bank products; and
8. Melakukan review terhadap ketentuan internal (kebijakan 8. Reviewing the Bank’s internal provisions (policies and
dan prosedur) Bank. procedures).
PT Bank Oke Indonesia, Tbk.
Triwulan IV/2025 Triwulan IV/2024
Tipe Risiko Risk Type
Quarter IV/2025 Quarter IV/2024
IR KPMR Composite IR KPMR Composite
Peringkat 2 Peringkat 2
Kredit 3 2 2 3 Credit
Rank 2 Rank 2
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Triwulan IV/2025 Triwulan IV/2024
Tipe Risiko Risk Type
Quarter IV/2025 Quarter IV/2024
IR KPMR Composite IR KPMR Composite
Peringkat 2 Peringkat 2
Pasar 2 2 2 2 Market
Rank 2 Rank 2
Peringkat 2 Peringkat 2
Likuiditas 2 2 2 2 Liquidity
Rank 2 Rank 2
Peringkat 2 Peringkat 2
Operasional 2 2 2 3 Operational
Rank 2 Rank 2
Peringkat 2 Peringkat 2
Hukum 2 2 2 2 Legal
Rank 2 Rank 2
Peringkat 2 Peringkat 2
Stratejik 2 3 2 3 Strategic
Rank 2 Rank 2
Peringkat 2 Peringkat 2
Kepatuhan 2 2 2 2 Compliance
Rank 2 Rank 2
Peringkat 2 Peringkat 2
Reputasi 2 2 2 2 Reputational
Rank 2 Rank 2
Peringkat 2 Peringkat 2
Rank 2 Rank 2
Penerapan Manajemen Risiko OK BANK OK BANK’s Risk Management Implementation
Penerapan manajemen risiko OK BANK dijalankan OK BANK’s risk management is carried out in accordance
mengacu pada POJK Nomor 18/POJK.03/2016 tentang with POJK Number 18/POJK.03/2016 on the Implementation
Penerapan Manajemen Risiko Bagi Bank Umum dan SEOJK of Risk Management for Commercial Banks and SEOJK
Nomor 34/POJK.03/2016 yang memberikan ketentuan lebih Number 34/POJK.03/2016, which provides more detailed
rinci mengenai praktik pengelolaan risiko. 4 (empat) pilar yang provisions regarding risk management practices. The 4 (four)
diterapkan OK BANK diuraikan sebagai berikut: pillars applied by OK BANK are described as follows:
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision by the Board of Commissioners and
Board of Directors
Dijalankan melalui pemantauan yang konsisten terhadap Carried out through consistent monitoring of
pelaksanaan strategi, kebijakan, dan aktivitas pengelolaan the implementation of risk management strategies,
risiko di seluruh unit kerja. Dewan Komisaris dan Direksi policies, and activities across all work units. The Board
memastikan bahwa proses manajemen risiko selaras of Commissioners and the Board of Directors ensure that
dengan tujuan bisnis, ketentuan regulator, dan prinsip risk management processes are aligned with business
kehati-hatian, sehingga risiko dapat dikelola secara efektif objectives, regulatory requirements, and the prudential
dan berkesinambungan. principle, so that risks can be managed effectively and on
a sustainable basis.
2. Kecukupan Kebijakan, Prosedur, dan Penetapan Limit 2. Adequacy of Policies, Procedures, and Limit Setting
Diwujudkan melalui penyusunan pedoman yang jelas, Realized through the formulation of clear, measurable,
terukur, dan dapat diterapkan oleh seluruh unit dalam and implementable guidelines for all units in carrying
menjalankan aktivitas operasional. Struktur kebijakan out operational activities. This policy structure ensures
ini memastikan bahwa setiap jenis risiko memiliki that each type of risk has limits that are in line with
batasan yang sesuai dengan profil risiko Bank, sehingga the Bank’s risk profile, enabling controlled and accountable
pengambilan keputusan dapat dilakukan secara terkendali decision-making.
dan bertanggung jawab.
3. Kecukupan Proses Identifikasi, Pengukuran, Pemantauan, 3. Adequacy of the Process for Risk Identification, Measurement,
dan Pengendalian Risiko serta Sistem Informasi Manajemen Monitoring, and Control, and Risk Management Information
Risiko System
Tercermin dalam mekanisme yang dirancang untuk Reflected in mechanisms designed to detect potential
mendeteksi potensi risiko sejak dini dan mengelolanya risks at an early stage and manage them systematically.
secara sistematis. Dukungan sistem informasi yang andal The support of reliable information systems enables
memungkinkan penyediaan data yang akurat dan tepat the provision of accurate and timely data, allowing
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waktu, sehingga proses evaluasi risiko dapat berlangsung the risk evaluation process to be conducted effectively and
efektif dan mendukung pengambilan keputusan yang tepat. to support sound decision-making.
4. Sistem Pengendalian Intern yang Menyeluruh 4. Comprehensive Internal Control System
Diterapkan untuk memastikan bahwa seluruh aktivitas bank Implemented to ensure that all Bank activities are
berjalan sesuai kebijakan, prosedur, dan standar yang telah conducted in accordance with established policies,
ditetapkan. Melalui pengawasan berlapis dan mekanisme procedures, and standards. Through layered supervision
verifikasi berkala, sistem ini membantu menjaga integritas and periodic verification mechanisms, this system helps
proses operasional, mencegah terjadinya penyimpangan, maintain the integrity of operational processes, prevent
dan meningkatkan keandalan praktik manajemen risiko irregularities, and enhance the overall reliability of risk
secara keseluruhan. management practices.
Infrastruktur Manajemen Risiko Risk Management Infrastructure
Infrastruktur manajemen risiko OK BANK dibangun melalui OK BANK’s risk management infrastructure is established through
struktur tata kelola yang kuat dan terkoordinasi, melibatkan a strong and well-coordinated governance structure, involving
Dewan Komisaris, Direksi, dan komite-komite pendukung yang the Board of Commissioners, the Board of Directors, and supporting
memastikan praktik pengelolaan risiko berjalan efektif. Struktur committees to ensure that risk management practices are
ini berfungsi sebagai fondasi pengawasan dan pengambilan implemented effectively. This structure serves as the foundation for
keputusan yang selaras dengan tujuan strategis Bank, oversight and decision-making aligned with the Bank’s strategic
sekaligus memastikan bahwa seluruh aktivitas operasional objectives, while also ensuring that all operational activities adhere
mengikuti prinsip kehati-hatian dan ketentuan regulator. to the prudential principle and regulatory requirements.
Komite Audit memiliki peran dalam memantau efektivitas The Audit Committee plays a role in monitoring the effectiveness
pengendalian internal dan proses pelaporan keuangan, of internal controls and the financial reporting process,
termasuk memastikan kepatuhan terhadap kebijakan dan including ensuring compliance with applicable policies and
regulasi. Komite Pemantau Risiko bertugas mengevaluasi regulations. The Risk Monitoring Committee is responsible for
kecukupan Kebijakan Manajemen Risiko dan mengawasi evaluating the adequacy of the Risk Management Policy and
kinerja manajemen dalam mengelola risiko yang dihadapi overseeing management’s performance in managing the risks
bank. Komite Manajemen Risiko berperan dalam merumuskan faced by the Bank. The Risk Management Committee plays
strategi, kebijakan, dan kerangka kerja manajemen risiko, serta a role in formulating risk management strategies, policies, and
menilai eksposur risiko secara menyeluruh. Struktur komite frameworks, as well as assessing overall risk exposure. This
ini menjadi elemen penting dalam memastikan risiko terkelola committee structure is a key element in ensuring that risks are
dengan baik di seluruh lini bisnis. properly managed across all lines of business.
Komite Kredit mempunyai tanggung jawab dalam memberikan The Credit Committee is responsible for granting credit
persetujuan kredit sesuai kewenangan, mengevaluasi approvals within its authority, evaluating the quality of
kualitas portofolio kredit, dan memantau risiko kredit secara the credit portfolio, and continuously monitoring credit risk.
berkesinambungan. ALCO berfokus pada pengelolaan risiko ALCO focuses on managing market and liquidity risks, including
pasar dan likuiditas, termasuk pengaturan struktur neraca managing the balance sheet structure to remain stable and
agar tetap stabil dan seimbang. Komite Pengarah TI bertugas balanced. The IT Steering Committee is tasked with ensuring
memastikan bahwa pengembangan dan pengelolaan sistem that the development and management of information systems
informasi mendukung efektivitas manajemen risiko, terutama support effective risk management, particularly through
melalui keandalan teknologi dan keamanan data. Divisi technology reliability and data security. The Risk Management
Manajemen Risiko berperan sebagai unit yang merancang, Division serves as the unit responsible for designing,
memantau, dan mengevaluasi penerapan kebijakan risiko monitoring, and evaluating the overall implementation of
secara menyeluruh. risk policies.
Struktur tata kelola ini diperkuat dengan penerapan 3 (tiga) This governance structure is strengthened through
lini pertahanan yang berfungsi menjaga efektivitas manajemen the implementation of the 3 (three) lines of defense, which
risiko di seluruh level organisasi. Setiap lini memiliki tanggung function to maintain the effectiveness of risk management
jawab yang berbeda namun saling melengkapi, sehingga proses at all levels of the organization. Each line has distinct yet
pengendalian risiko dapat berjalan berlapis dan menyeluruh. complementary responsibilities, enabling a layered and
Model ini dirancang agar potensi risiko dapat diidentifikasi sejak comprehensive risk control process. This model is designed to
dini dan ditangani melalui mekanisme yang jelas. ensure that potential risks can be identified at an early stage
and addressed through clear mechanisms.
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Lini pertama, yaitu Risk Owner, mencakup seluruh unit bisnis The first line of defense, namely the Risk Owners, comprises
dan operasional yang menjalankan aktivitas sehari-hari. Mereka all business and operational units that carry out day-to-day
bertanggung jawab langsung dalam mengelola risiko yang activities. They are directly responsible for managing the risks
timbul dari proses yang mereka jalankan, termasuk memastikan arising from the processes they perform, including ensuring
kepatuhan terhadap prosedur dan kebijakan internal. Keberadaan compliance with internal procedures and policies. The first line
lini pertama merupakan fondasi utama dalam menciptakan of defense serves as the primary foundation in fostering a risk-
budaya sadar risiko di lingkungan Bank. aware culture within the Bank.
Lini kedua adalah fungsi pengendalian internal yang terdiri The second line of defense consists of internal control
dari Divisi Operasional, Satuan Kerja Kepatuhan (SKK), dan functions, including the Operations Division, the Compliance
Divisi Manajemen Risiko. Unit-unit ini memastikan bahwa Unit (SKK), and the Risk Management Division. These units
pengendalian risiko dilakukan secara terstruktur melalui ensure that risk controls are implemented in a structured
pemantauan, penyusunan kebijakan, penilaian kepatuhan, dan manner through monitoring, policy formulation, compliance
verifikasi kecukupan sistem pengendalian. Lini kedua berperan assessments, and verification of the adequacy of control
memastikan bahwa aktivitas yang dilakukan lini pertama tetap systems. The second line plays a key role in ensuring
dalam batas risiko yang dapat diterima. that activities carried out by the first line remain within
the Bank’s risk tolerance level.
Lini ketiga merupakan fungsi audit internal yang dijalankan The third line of defense is the internal audit function
oleh SKAI. Fungsi ini melakukan penilaian independen carried out by SKAI. This function performs an independent
terhadap efektivitas keseluruhan pengendalian risiko, assessment of the overall effectiveness of risk controls,
termasuk kepatuhan terhadap kebijakan, prosedur, dan including compliance with policies, procedures, and
regulasi. Melalui audit berkala, SKAI memastikan bahwa proses regulations. Through periodic audits, SKAI ensures that
manajemen risiko berjalan sesuai standar dan memberikan the risk management process is implemented in accordance
rekomendasi perbaikan bila diperlukan. with established standards and provides recommendations
for improvement when necessary.
Risk Management
Division Head
Market & Liquidity Risk
Credit Risk IT Security Risk & Resilience
Unit Operational Risk
· Unit Head · Unit Head
· Unit Head · Operational Risk Officer
· Credit Risk Officer · Officer
· Staff
Per tanggal 1 Januari 2026, IT Security Risk & Resilience di bawah Direktorat Deputy President Director dan bukan merupakan bagian dari Divisi Manajemen Risiko.
As of January 1, 2026, IT Security Risk & Resilience falls under the Deputy President Director’s Directorate and is no longer part of the Risk Management Division.
Seluruh infrastruktur ini membentuk sistem pengelolaan risiko All of this infrastructure forms a comprehensive, integrated,
yang komprehensif, terintegrasi, dan berlapis, sehingga OK BANK and layered risk management system, enabling OK BANK to
dapat menjaga stabilitas kinerja serta meningkatkan ketahanan maintain performance stability and enhance resilience against
terhadap dinamika lingkungan bisnis. Dengan dukungan struktur the dynamics of the business environment. With the support of
tata kelola, komite-komite pengarah, dan mekanisme 3 (tiga) lini the governance structure, steering committees, and
pertahanan, Bank dapat memastikan bahwa setiap potensi risiko the 3 (three) lines of defense mechanism, the Bank can ensure
dikelola secara konsisten, transparan, dan berkelanjutan. that every potential risk is managed consistently, transparently,
and sustainably.
Penerapan Manajemen Risiko Risk Management Implementation
Pada tahun 2025, OK BANK memperkuat penerapan In 2025, OK BANK strengthened the implementation of risk
manajemen risiko melalui optimalisasi sistem yang telah management by optimizing existing systems to enhance
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berjalan guna meningkatkan responsivitas terhadap dinamika responsiveness to the dynamics of the banking industry.
industri perbankan. Penguatan dilakukan melalui peningkatan This strengthening was carried out through improving
efektivitas pemantauan dan penyempurnaan proses penilaian the effectiveness of monitoring and refining the risk
risiko. Langkah tersebut ditujukan untuk memastikan risiko assessment process. These measures aim to ensure that risks
dapat diidentifikasi lebih dini dan dikelola secara memadai can be identified earlier and managed adequately to maintain
guna menjaga stabilitas operasional dan ketahanan Bank operational stability and the Bank’s resilience on an ongoing
secara berkelanjutan. basis.
Risiko Utama di Tahun 2025 Key Risks in 2025
Sepanjang tahun 2025, risiko utama yang dihadapi oleh OK BANK Throughout 2025, the key risks faced by OK BANK were
adalah risiko kredit yang timbul akibat dari perkembangan debitur credit risks arising from the development of core debtors and
inti dan tingkat konsentrasi serta risiko stratejik yang timbul dari concentration levels, as well as strategic risks stemming from
pengembangan produk dan aktivitas baru mobile banking yang the ongoing development of new products and mobile banking
masih berjalan. activities.
Tinjauan atas Efektivitas Sistem Manajemen Overview of the Effectiveness of the Company’s
Risiko Perusahaan Risk Management System
Tinjauan atas efektivitas sistem manajemen risiko menunjukkan Overview of the effectiveness of the risk management
bahwa penerapan yang dilakukan Bank telah berjalan dengan system indicates that the Bank’s implementation has been
cukup memadai dan sejalan dengan prinsip pengelolaan risiko adequate and in line with sound risk management principles.
yang baik. Mekanisme identifikasi, pengukuran, pemantauan, The mechanisms for risk identification, measurement,
dan pengendalian risiko telah diterapkan secara konsisten oleh monitoring, and control have been consistently applied by
seluruh unit terkait, sehingga proses pengelolaan risiko dapat all relevant units, enabling the risk management process
mendukung stabilitas operasional dan tujuan strategis Bank. to support operational stability and the Bank’s strategic
Hasil pemantauan internal juga menunjukkan bahwa struktur objectives. Internal monitoring results also show that
pengawasan dan prosedur yang ada mampu menjaga aktivitas the existing oversight structure and procedures are capable of
usaha tetap berada dalam batas risiko yang dapat diterima. keeping business activities within acceptable risk limits.
Evaluasi berkala turut memperlihatkan bahwa sistem Periodic evaluations further show that the internal control
pengendalian internal dan kerangka kerja manajemen risiko system and risk management framework can adapt to changes
mampu beradaptasi terhadap perubahan kondisi bisnis dan in business conditions and operational needs. The use of
kebutuhan operasional. Pemanfaatan sistem informasi dan information systems and the enhancement of HR capacity
peningkatan kapasitas SDM semakin memperkuat efektivitas further strengthen the effectiveness of risk management
pelaksanaan manajemen risiko di seluruh lini. Dengan across all levels. With well-executed implementation and
penerapan yang berjalan baik dan dukungan pengawasan continuous oversight support, the Bank is able to maintain
yang berkesinambungan, Bank dapat mempertahankan proses a more controlled business process and enhance its ability to
usaha yang lebih terkendali dan meningkatkan kemampuan address potential risks in the future.
dalam menghadapi potensi risiko ke depan.
Kecukupan Infrastruktur Manajemen Risiko Adequacy of Bank Risk Management
Bank Infrastructure
Sepanjang tahun 2025, Divisi Manajemen Risiko (SKMR) Throughout 2025, OK BANK’s Risk Management Division
OK BANK secara rutin melakukan analisis dan evaluasi terhadap (SKMR) routinely conducted analyses and evaluations of
infrastruktur manajemen risiko untuk memastikan seluruh the risk management infrastructure to ensure that all
komponen pendukung berfungsi optimal. Berdasarkan hasil supporting components functioned optimally. Based on
penilaian, infrastruktur yang dimiliki dinilai cukup memadai the assessment results, the existing infrastructure is
dalam mendukung penerapan manajemen risiko yang terukur, considered adequate in supporting the implementation of
sehingga mampu menjaga ketahanan operasional dan measured risk management, thereby maintaining operational
memastikan aktivitas Bank tetap berjalan dalam batas risiko resilience and ensuring that the Bank’s activities remained
yang dapat diterima. within acceptable risk limits.
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Penerapan Manajemen Risiko untuk Setiap Implementation of Risk Management for Each
Jenis Risiko Type of Risks
Risiko Kredit Credit Risk
Risiko kredit merupakan potensi kerugian yang timbul akibat Credit risk is the potential loss arising from the inability of
ketidakmampuan pihak yang menerima fasilitas pembiayaan a counterparty to fulfill payment obligations in accordance with
memenuhi kewajiban pembayaran sesuai perjanjian. Risiko the agreement. This risk can emerge from various activities,
ini dapat muncul dari berbagai aktivitas, seperti penyaluran such as the disbursement of loans, fund placements, or other
kredit, penempatan dana, atau transaksi lain yang melibatkan transactions involving exposure to external parties.
eksposur terhadap pihak eksternal.
Infrastruktur/Organisasi Infrastructure/Organization
Unit bisnis bank berperan sebagai risk owner yang memegang The Bank’s business units act as the risk owners which is
tanggung jawab utama atas eksposur kredit yang timbul dari holding primary responsibility for credit exposures arising
aktivitas pembiayaan. Peran ini menjadikan unit bisnis sebagai from financing activities. This role positions the business
lini pertahanan pertama dalam mengelola risiko kredit. units as the first line of defense in managing credit risk.
Pemantauan risiko kredit dilakukan secara berkala dengan Credit risk monitoring is conducted regularly using monitoring
memanfaatkan laporan pemantauan yang disusun oleh reports prepared by the Risk Management Division. These reports
Divisi Manajemen Risiko. Laporan ini memberikan gambaran provide an overview of the development of the credit portfolio’s
mengenai perkembangan kualitas portofolio kredit, tren risiko, quality, risk trends, and potential issues that require attention.
dan potensi permasalahan yang perlu mendapatkan perhatian.
Berdasarkan hasil laporan tersebut, OK BANK melalui Komite Based on the findings of these reports, OK BANK, through
Kredit akan menetapkan arah kebijakan dan merumuskan the Credit Committee, sets policy directions and formulates
langkah-langkah tindak lanjut yang diperlukan untuk menjaga necessary follow-up measures to ensure that credit quality
kualitas kredit tetap terkendali. remains under control.
Strategi dan Penerapan Manajemen Risiko Kredit Credit Risk Management Strategy and
Implementation
Selama tahun 2025, faktor utama yang memengaruhi hasil During 2025, the main factors influencing the composite credit
penilaian risiko komposit kredit, diuraikan sebagai berikut: risk assessment are outlined as follows:
1. Masih adanya kredit kualitas rendah dan kredit bermasalah 1. The continued presence of low-quality and non-performing
selama tahun 2025 meskipun pada tingkat yang masih loans throughout 2025, although maintained at a controlled
terjaga; level;
2. Meningkatnya konsentrasi pada segmen komersial dan 2. An increase in loan concentration within the commercial
korporasi. Peningkatan konsentrasi ini juga disebabkan and corporate segments. This increase was also driven
adanya penyaluran kredit berjumlah besar kepada korporasi. by the disbursement of large loans to corporate debtors.
Namun, peningkatan segmentasi-segmentasi tersebut However, this concentration growth remained aligned with
masih selaras dengan business appetite Bank; serta the Bank’s business appetite; and
3. Konsentrasi debitur inti pada Bank masih cukup tinggi. 3. A relatively high concentration of core debtors within
the Bank.
Strategi yang ditempuh Bank dalam mengelola risiko kredit The strategies adopted by the Bank to manage credit risk
sepanjang tahun 2025 diuraikan sebagai berikut: throughout 2025 are described as follows:
1. Pemantauan kualitas kredit dan pemberdayaan early 1. Monitoring credit quality and enhancing the early warning
warning system; system;
2. Penyempurnaan proses seleksi kredit; 2. Improving the credit selection process;
3. Strategi penyaluran kredit melalui segmentasi; serta 3. Implementing credit distribution strategies through
segmentation; and
4. Pengelolaan kredit bermasalah. 4. Managing non-performing loans.
Kebijakan Pengelolaan Limit Risiko Kredit Credit Risk Limit Management Policy
Sepanjang tahun 2025, OK BANK secara rutin melakukan Throughout 2025, OK BANK routinely monitored
pemantauan kinerja portofolio kredit sebagai bagian dari the performance of its credit portfolio as part of its credit risk
kebijakan pengelolaan limit risiko kredit. Hasil evaluasi limit management policy. The evaluation results were used
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digunakan sebagai dasar dalam penyesuaian limit kredit dan as a basis for adjusting credit limits and taking mitigation
pengambilan langkah-langkah mitigasi, sehingga risiko kredit measures, ensuring that credit risk remained under control and
tetap terkendali dan portofolio kredit Bank dapat mendukung the Bank’s credit portfolio continued to support operational
stabilitas operasional secara berkelanjutan. stability on a sustainable basis.
Proses Pengukuran dan Pengendalian Risiko Credit Risk Measurement and Control Process
Kredit
Pendekatan OK BANK dalam mengukur dan mengendalikan OK BANK’s approach to measuring and controlling credit risk
risiko kredit dimulai jauh sebelum pinjaman diberikan. Tahapan begins well before a loan is granted. This process ensures
ini memastikan bahwa setiap fasilitas kredit yang disetujui that every approved credit facility undergoes a thorough risk
telah melalui proses penilaian risiko yang cermat, sehingga assessment, minimizing the likelihood of non-performing loans.
kemungkinan terjadinya kredit macet dapat diminimalkan.
Secara rutin, Bank menyusun laporan pemantauan posisi The Bank routinely prepares monitoring reports on credit risk
terhadap limit risiko kredit yang telah ditetapkan untuk setiap limits established for each debtor as well as for the overall
debitur maupun portofolio secara keseluruhan. Pemantauan portfolio. Regular monitoring allows the Bank to take corrective
berkala ini memungkinkan Bank melakukan tindakan korektif action early if deviations from the prescribed risk limits occur,
lebih awal jika terjadi penyimpangan dari batas risiko yang enabling proactive risk management.
ditentukan, sehingga risiko dapat dikelola secara proaktif.
Hasil pemantauan risiko kredit kemudian dibahas dalam The results of credit risk monitoring are then discussed
rapat Komite Manajemen Risiko untuk mendapatkan evaluasi in the Risk Management Committee meetings to obtain
menyeluruh mengenai kondisi eksposur Bank. Temuan a comprehensive evaluation of the Bank’s exposure. Findings
dan rekomendasi dari pembahasan ini selanjutnya dibawa and recommendations from these discussions are subsequently
ke Komite Kredit untuk dilakukan pembahasan lebih detail dan brought to the Credit Committee for more detailed
pengambilan keputusan strategis. review and strategic decision-making.
Pendekatan untuk Pembentukan Cadangan Approach to the Establishment of Allowance for
Kerugian Penurunan Nilai (CKPN) Impairment Loss (CKPN)
Pendekatan OK BANK dalam pembentukan Cadangan Kerugian OK BANK’s approach to establishing Allowance for Impairment
Penurunan Nilai (CKPN) dilakukan sesuai ketentuan POJK Loss (CKPN) is carried out in accordance with POJK
dengan menetapkan penyisihan berdasarkan bukti penurunan requirements by setting aside provisions based on evidence
nilai atas aset keuangan, baik secara individual maupun of impairment of financial assets, both on an individual and
kolektif. Metode ini diterapkan untuk memastikan bahwa collective basis. This method is applied to ensure that potential
potensi kerugian akibat penurunan nilai aset dapat diantisipasi losses due to asset impairment can be anticipated accurately,
dengan tepat, sehingga Laporan Keuangan mencerminkan so that the Financial Statements reflect the Bank’s true credit
kondisi risiko kredit yang sebenarnya. risk condition.
Evaluasi terhadap aset keuangan yang memenuhi kriteria Evaluation on financial assets that meet significant criteria
signifikan dilakukan secara individual per nasabah. Proses is carried individually per customer. This process involves
ini melibatkan penilaian menyeluruh atas kemampuan a comprehensive assessment of the debtor’s ability to meet
debitur untuk memenuhi kewajiban dan proyeksi arus obligations and the expected cash flow projections from
kas yang diharapkan dari aset tersebut. Penilaian secara the asset. Individual assessment allows the Bank to determine
individual memungkinkan Bank menentukan besaran a more accurate provision amount in line with the risk
cadangan yang lebih akurat sesuai risiko yang melekat pada inherent in each debtor.
masing-masing debitur.
Seluruh aset keuangan yang mengalami penurunan nilai tetapi All financial assets that experience impairment but are not
tidak signifikan secara individual dievaluasi secara kolektif. individually significant are evaluated collectively. The collective
Pendekatan kolektif ini dilakukan dengan mengelompokkan approach groups assets based on similar risk characteristics,
aset berdasarkan karakteristik risiko yang serupa, sehingga ensuring that the provision reflects the overall risk exposure
penentuan cadangan dapat mencerminkan eksposur risiko of the asset group. This evaluation helps the Bank identify
kelompok aset secara menyeluruh. Evaluasi ini membantu hidden risks within the larger portfolio and maintain overall
Bank mengidentifikasi risiko yang tersembunyi pada provision adequacy.
portofolio yang lebih besar dan menjaga kecukupan cadangan
secara keseluruhan.
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Perhitungan penurunan nilai secara individual dilakukan dengan Individual impairment calculation is performed by
membandingkan nilai sekarang (present value) dari proyeksi comparing the present value of the original projected cash
arus kas awal dengan proyeksi arus kas berdasarkan rencana flows with the cash flow projections based on the credit
restrukturisasi kredit. Konsep asset impairment ini menekankan restructuring plan. The asset impairment concept emphasizes
bahwa penurunan nilai aset terjadi ketika nilai tercatat (carrying that an asset is impaired when its carrying amount
amount)melebihinilaiyangdapatdipulihkan(recoverableamount) exceeds the recoverable amount through use or sale of
melalui penggunaan atau penjualan aset. Dengan pendekatan ini, the asset. With this approach, OK BANK is able to establish
OK BANK mampu membentuk CKPN yang mencerminkan risiko CKPN that realistically reflects credit risk and maintains
kredit secara realistis dan menjaga stabilitas kinerja keuangan. financial performance stability.
Perhitungan Aktiva Tertimbang Menurut Risiko Risk-Weighted Assets (RWA) Calculation Using
(ATMR) dengan Pendekatan Standar the Standardized Approach
Kebijakan OK BANK dalam perhitungan Aktiva Tertimbang OK BANK’s policy in calculating Risk-Weighted Assets (RWA) for
Menurut Risiko (ATMR) untuk risiko kredit menggunakan credit risk uses ratings as the basis for assessment to measure
peringkat sebagai dasar penilaian untuk mengukur tingkat capital adequacy. The Bank applies the standardized approach
kecukupan modal. Bank menerapkan metode pendekatan in accordance with OJK regulations, conducted individually for
standar sesuai ketentuan OJK, yang dilakukan secara individual each credit exposure, so that the RWA calculation accurately
untuk setiap eksposur kredit, sehingga perhitungan ATMR reflects the risk of each loan.
mencerminkan risiko masing-masing kredit secara akurat.
Selain pembobotan berdasarkan risiko, perhitungan ATMR juga In addition to risk-based weighting, the RWA calculation also
memperhitungkan bagian kredit yang dijamin melalui teknik considers the portion of credit covered by credit risk mitigation
mitigasi risiko kredit. Dengan mempertimbangkan mitigasi techniques. By considering this mitigation, the Bank obtains
ini, Bank memperoleh nilai ATMR setelah mitigasi risiko kredit the RWA after credit risk mitigation, which serves as the basis
yang digunakan sebagai dasar perhitungan kecukupan modal, for capital adequacy calculation, ensuring that capital
sehingga manajemen modal dapat dijalankan secara tepat dan management is carried out appropriately and credit risk
risiko kredit tetap terkendali. remains under control.
Risiko Pasar Market Risk
Risiko pasar merupakan potensi kerugian pada posisi Market risk is the potential loss on balance sheet positions
neraca maupun rekening administratif, termasuk transaksi or administrative accounts, including derivative transactions,
derivatif, yang timbul akibat perubahan kondisi pasar arising from overall market condition changes, such as option
secara keseluruhan, termasuk fluktuasi harga opsi. Saat ini, price fluctuations. Currently, OK BANK does not engage in
OK BANK belum melakukan aktivitas trading dan tidak memiliki trading activities and has no exposure to foreign currency
eksposur terhadap aset atau kewajiban dalam valuta asing, assets or liabilities, structured products, derivatives, or equities,
produk terstruktur, derivatif, maupun ekuitas, sehingga fokus therefore, market risk management focuses solely on interest
pengelolaan risiko pasar hanya pada perubahan suku bunga. rate changes.
Komponen utama kewajiban OK BANK yang sensitif terhadap The main component of OK BANK’s liabilities sensitive to interest
perubahan suku bunga adalah simpanan nasabah, sedangkan rate changes is customer deposits, while affected assets include
aset yang terpengaruh antara lain obligasi pemerintah dan government bonds and disbursed loans. The Bank routinely
kredit yang disalurkan. Bank secara rutin memantau kondisi monitors market conditions and adjusts deposit and loan
pasar dan menyesuaikan tingkat suku bunga simpanan interest rates to remain aligned with market dynamics and
maupun kredit agar tetap sejalan dengan dinamika pasar serta maintain financial performance stability.
menjaga stabilitas kinerja keuangan.
Strategi dan Penerapan Manajemen Risiko Pasar Market Risk Management Strategy and
Implementation
OK BANK menerapkan strategi manajemen risiko pasar OK BANK applies a market risk management strategy to
untuk mengelola dampak pergerakan suku bunga terhadap manage the impact of interest rate movements on income
pendapatan dan permodalan, yang dikenal sebagai Interest and capital, known as Interest Rate Risk in the Banking Book
Rate Risk in Banking Book (IRRBB). Penerapan ini mengacu (IRRBB). This implementation refers to OJK regulations
pada ketentuan OJK dalam SEOJK Nomor 12/SEOJK.03/2018 in SEOJK Number 12/SEOJK.03/2018 on Risk Management
tentang Penerapan Manajemen Risiko dan Pengukuran Risiko Implementation and Standardized Approach Risk Measurement
Pendekatan Standar untuk Risiko Suku Bunga dalam Banking for Interest Rate Risk in the Banking Book/IRRBB for
Book/IRRBB Bagi Bank Umum. Commercial Banks.
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Sebagai bagian dari pemantauan risiko, Bank menetapkan As part of risk monitoring, the Bank sets stop-loss limits on
stop-loss limit pada instrumen surat berharga yang dimiliki, held securities, accompanied by management action triggers
disertai penerapan management action trigger untuk to ensure corrective measures are taken if movements exceed
memastikan tindakan korektif dilakukan bila terjadi pergerakan established thresholds.
yang melebihi batas yang ditetapkan.
Divisi Manajemen Risiko bertanggung jawab untuk memantau The Risk Management Division is responsible for monitoring
penggunaan limit risiko pasar, memastikan seluruh aktivitas market risk limit usage and ensuring all activities comply with
sesuai dengan kebijakan yang telah ditetapkan. Sementara established policies. Meanwhile, business units are required to
itu, unit kerja bisnis berkewajiban mematuhi limit tersebut, adhere to these limits, and any breaches must be reported and
dan setiap pelampauan harus dilaporkan serta mendapatkan approved by ALCO.
persetujuan dari ALCO.
Hasil Pengukuran IRRBB Sesuai dengan IRRBB Measurement Results Pursuant to
Ketentuan Telah Dilaporkan Secara Triwulanan the Provision are Reported to OJK Quarterly
kepada OJK
Hasil pengukuran IRRBB telah disampaikan OK BANK kepada The results of IRRBB measurements have been submitted by
OJK secara triwulanan sebagai bagian dari kewajiban pelaporan OK BANK to OJK on a quarterly basis as part of market risk
dan pengawasan risiko pasar. Laporan tersebut mencakup reporting and supervision obligations. These reports include
evaluasi atas dampak fluktuasi suku bunga terhadap posisi evaluations of the impact of interest rate fluctuations on
keuangan Bank, termasuk potensi pengaruhnya terhadap the Bank’s financial positions, including potential effects
pendapatan bunga dan permodalan. Melalui pelaporan ini, Bank on interest income and capital. Through this reporting, the
dapat memastikan bahwa risiko yang timbul dari perubahan Bank can ensure that risks arising from interest rate changes
suku bunga tetap berada dalam batas yang dapat diterima dan remain within acceptable limits and do not disrupt overall
tidak mengganggu stabilitas keuangan secara keseluruhan. financial stability. Based on the IRRBB calculation using
Berdasarkan hasil perhitungan IRRBB dengan metode standar the standard method, the ∆EVE-to-bank capital ratio for quarter
diperoleh hasil rasio ∆EVE terhadap modal bank triwulan 4 of 2025 remains well below both the internal threshold and
IV/2025 masih jauh di bawah threshold internal maupun the regulatory limit.
limit regulator.
Tata Kelola dan Organisasi Governance and Organization
Tata kelola dan organisasi dalam pengelolaan risiko pasar di Governance and organizational structure for market risk
OK BANK dirancang untuk memastikan seluruh fungsi bekerja management at OK BANK are designed to ensure that all
secara independen melalui penerapan prinsip segregation of functions operate independently through the application of
duties. Prinsip ini menekankan pemisahan tugas dan tanggung the principle of segregation of duties. This principle emphasizes
jawab antar unit agar tidak terjadi benturan kepentingan, the separation of tasks and responsibilities between units to
sekaligus memastikan proses pengawasan berjalan efektif. prevent conflicts of interest while ensuring effective oversight.
Fungsi Front Office dijalankan oleh Divisi Tresuri yang The Front Office function is carried out by the Treasury Division,
bertanggung jawab melakukan aktivitas transaksi treasury dan which is responsible for executing treasury transactions
pengelolaan posisi keuangan Bank sesuai kebijakan yang telah and managing the Bank’s financial positions in accordance
ditetapkan. Front Office berperan sebagai pelaksana utama with established policies. The Front Office serves as the
transaksi pasar, sehingga keputusan yang diambil harus tetap primary executor of market transactions, so decisions made
berada dalam batas risiko yang dapat diterima dan sesuai limit must remain within acceptable risk limits and comply with
yang berlaku. applicable limits.
Fungsi Middle Office merupakan satuan kerja yang melakukan The Middle Office function consists of units responsible for
pengawasan dan manajemen risiko dalam kegiatan treasury. overseeing and managing risk in treasury activities. This unit
Unit ini memastikan transaksi yang dilakukan Front Office ensures that Front Office transactions comply with risk policies,
sesuai dengan kebijakan risiko, memantau penggunaan limit, monitors limit usage, and conducts market risk analysis
dan melakukan analisis serta pelaporan risiko pasar. and reporting.
Back Office menjalankan fungsi pengendalian dan The Back Office performs control and settlement functions
penyelesaian transaksi treasury yang dilaksanakan oleh Divisi for treasury transactions and is handled by the Operations
Operasional. Unit ini menangani proses verifikasi, pencatatan, Division. This unit manages verification, recording, and
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dan rekonsiliasi transaksi guna memastikan seluruh aktivitas reconciliation of transactions to ensure all activities are
dicatat dengan benar dan dilaksanakan sesuai prosedur. Back properly documented and executed according to procedures.
Office beroperasi terpisah dari dealing room sebagai wujud The Back Office operates separately from the dealing room,
pemisahan tugas antara staf yang melakukan transaksi dan reflecting the segregation of duties between staff executing
staf yang mengendalikan penyelesaiannya. transactions and staff controlling their settlement.
Pengelolaan dan Pengukuran Risiko Pasar – Management and Measurement of Market Risk –
Banking Book Banking Book
Risiko pasar pada Banking Book muncul akibat perubahan suku Market risk in the Banking Book arises from changes in interest
bunga dan nilai tukar yang dapat memengaruhi profitabilitas rates and exchange rates that can affect the Bank’s profitability
serta nilai ekonomis modal Bank. Untuk mengelola risiko and economic value of capital. To manage this risk, OK BANK
tersebut, OK BANK mengoptimalkan struktur neraca agar tetap optimizes the balance sheet structure to maintain stability and
seimbang dan mampu merespons dinamika pasar. Bank juga respond effectively to market dynamics. The Bank has also
telah menetapkan limit internal yang selaras dengan ketentuan established internal limits in line with regulatory requirements
regulator dan melakukan pemantauan secara berkala untuk and conducts regular monitoring to ensure compliance
memastikan batas tersebut dipatuhi. Divisi Manajemen with these limits. The Risk Management Division oversees
Risiko berperan mengawasi kepatuhan terhadap limit risiko adherence to market risk limits, while any limit breaches must
pasar, sementara setiap pelampauan limit wajib dikaji dan be reviewed and discussed in the ALCO Committee meeting.
dibahas dalam rapat Komite ALCO. Apabila hasil pembahasan If the discussion results in specific recommendations,
menghasilkan rekomendasi tertentu, maka rekomendasi these are forwarded to the Risk Management Committee for
tersebut akan diteruskan kepada Komite Manajemen Risiko follow-up action.
untuk ditindaklanjuti.
LAPORAN PERHITUNGAN IRRBB POSISI DESEMBER 2025
IRRBB Calculation Report for December 2025 Position
(dalam Rp Juta / in Rp Million)
∆EVE ∆NII
Periode Period
T T-1 T-1 T-1
Parallel Up 209.145 208.673 101.594 98.387 Parallel Up
Parallel Down (298.832) (296.054) (112.164) (106.293) Parallel Down
Steepener 133.968 124.830 Steepener
Flattener (108.317) (95.506) Flattener
Short Rate Up 41.779 46.762 Short Rate Up
Short Rate Down (28.573) (41.348) Short Rate Down
Nilai Maksimum Negatif Negative Maximum Value
298.832 296.054 112.164 106.293
(Absolut) (Absolute)
Modal Tier 1 (untuk ∆EVE) atau Tier 1 Capital (for ∆EVE) or
3.778.519 3.732.798 1.210.146 488.812
Projected Income (untuk ∆NII) Projected Income (for ∆NII)
Nilai Maksimum Dibagi Modal Maximum Value divided by
Tier 1 (untuk ∆EVE) atau 7,91 7,93 9,27 21,75 Tier 1 Capital for (for ∆EVE) or
Projected Income (untuk ∆NII) (%) Projected Income (for ∆NII) (%)
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PENERAPAN LAPORAN MANAJEMEN RISIKO UNTUK RISIKO SUKU BUNGA DALAM BANKING
BOOK (IRRBB)
Implementation of Risk Management Reporting for Interest Rate Risk in the Banking Book (IRRBB)
Analisis Kuantitatif Quantitative Analysis
Penjelasan mengenai bagaimana Bank mendefinisikan IRRBB untuk Explanation of how the Bank defines IRRBB for risk measurement
1.
pengukuran dan pengendalian Risiko. and control.
Risiko suku bunga dalam Banking Book atau Interest Rate Risk in Interest Rate Risk in the Banking Book, hereinafter referred to as
The Banking Book, yang selanjutnya disingkat IRRBB, merupakan IRRBB, is the risk arising from movements in market interest rates
risiko akibat pergerakan suku bunga di pasar yang berlawanan that are contrary to the positions in the Banking Book, which may
dengan posisi Banking Book, yang berpotensi memberikan dampak potentially impact the Bank’s capital and earnings, both in the current
terhadap permodalan dan rentabilitas (earnings) Bank baik untuk period and in the future.
saat ini maupun pada masa mendatang.
Bank melakukan pengukuran IRRBB menggunakan 2 (dua) metode The Bank measures IRRBB using 2 (two) methods, namely
yakni pengukuran berdasarkan perubahan pada nilai ekonomis measurement based on changes in the economic value of equity
dari ekuitas (economic value of equity) atau disingkat ΔEVE dan (ΔEVE) and measurement based on changes in net interest income
pengukuran berdasarkan perubahan pada pendapatan bunga bersih (ΔNII). Simulations of ΔEVE and ΔNII are conducted based on interest
(net interest income) atau disingkat ΔNII. Simulasi ΔEVE dan ΔNII rate increase and decrease scenarios (rate shock) as stipulated in
dilakukan sesuai skenario kenaikan dan penurunan suku bunga (rate SEOJK Number 12/SEOJK.03/2018.
shock) dalam SEOJK Nomor 12/SEOJK.03/2018.
Penjelasan mengenai strategi Manajemen Risiko dan mitigasi Risiko Explanation of risk management strategy and risk mitigation for
2.
untuk IRRBB. IRRBB.
Bank mengelola eksposur IRRBB menggunakan pendekatan nilai The Bank manages IRRBB exposure using an economic value
ekonomis (economic value) serta pendekatan rentabilitas (earning approach as well as an earnings-based approach. In implementing
based approach). Sebagai penerapan segregation of duties, Divisi the segregation of duties principle, the Treasury Division acts as
Tresuri bertindak sebagai unit yang berfungsi mengelola risiko suku the unit responsible for managing interest rate risk, while the Risk
bunga dan Divisi Manajemen Risiko bertindak sebagai unit yang Management Division acts as the unit responsible for monitoring the
dalam memonitoring risiko suku bunga yang timbul. interest rate risk arising.
Untuk tujuan pengendalian dan mitigasi risiko suku bunga dalam For the purpose of controlling and mitigating interest rate risk in
Banking Book, Bank menetapkan pengendalian berupa penerapan the Banking Book, the Bank establishes control measures through
limit dan risk appetite. the implementation of limits and risk appetite.
Periodisasi perhitungan IRRBB Bank dan penjelasan mengenai Bank’s IRRBB calculation periodicity and explanation of specific
3. pengukuran spesifik yang digunakan Bank untuk mengukur sensitivitas measurements used by the Bank to measure sensitivity to IRRBB.
terhadap IRRBB.
Perhitungan IRRBB dilakukan secara triwulanan yang selanjutnya The calculation of IRRBB is conducted on a quarterly basis, which
akan menjadi bagian dari Profil Risiko, bagian dari Self-Assessment subsequently becomes part of the Risk Profile, a component of
Tingkat Kesehatan Bank, bagian dari Informasi Kuantitatif Eksposur the Bank’s Self-Assessment of Soundness Level, a component of
Risiko, dan bagian dari Pengungkapan Praktik Manajemen Risiko. Quantitative Risk Exposure Information, and a component of Risk
Management Practice Disclosure.
Dalam rangka pengukuran atas eksposur IRRBB, Bank menggunakan In measuring IRRBB exposure, the Bank uses both economic
nilai ekonomis (economic value) serta rentabilitas (earning) sebagai value and earnings as the basis for its measurement methods.
dasar metode pengukuran. Pengukuran nilai ekonomis dari ekuitas The measurement of the economic value of equity, known as EVE,
(economic value of equity) yang selanjutnya disebut EVE mengukur assesses changes in the economic value of the Bank’s assets,
perubahan nilai ekonomis atas aset, liabilitas, dan rekening liabilities, and off-balance sheet accounts that are caused by interest
administratif (off-balance sheet) Bank yang disebabkan pergerakan rate movements.
suku bunga.
Untuk saat ini, Bank mengukur perubahan EVE sebagai penurunan Currently, the Bank measures changes in EVE as the maximum decline
maksimum dari nilai ekonomis Banking Book dalam 6 (enam) standar in the economic value of the Banking Book under 6 (six) standard
skenario bunga yang didefinisikan oleh Basel Committee on Banking interest rate shock scenarios as defined by the Basel Committee
Supervision (BCBS) dan OJK sebagaimana tercantum dalam SEOJK on Banking Supervision (BCBS) and OJK, as stipulated in SEOJK
IRRBB Nomor SEOJK/12/2018. on IRRBB Number SEOJK/12/2018.
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Analisis Kuantitatif Quantitative Analysis
Penjelasan mengenai skenario shock suku bunga dan skenario Explanation of the interest rate shock scenario and stress scenario
4. stress yang digunakan Bank dalam perhitungan IRRBB dengan used by the Bank in calculating IRRBB using the EVE and NII
menggunakan metode EVE dan NII. methods.
Pengukuran eksposur IRRBB dilakukan berdasarkan 6 (enam) IRRBB exposure measurement is carried out based on 6 (six) interest
skenario suku shock suku bunga sebagai berikut: rate shock scenarios as follows:
Estimasi Perubahan
Skenario Penjelasan Change Estimation
Scenario Explanation
Economic Value Earning
Shock suku bunga yang paralel ke atas
Parallel Up
Parallel upward interest rate shock
Shock suku bunga yang paralel ke bawah
Parallel Down
Parallel downward interest rate shock
Shock suku bunga yang melandai suku bunga jangka pendek menurun
dan suku bunga jangka panjang meningkat (short rates down and long
Steepener rates up)
Interest rate shock where short-term interest rates decrease and long
term interest rates increase (short rates down and long rates up)
Shock suku bunga yang mendatar dengan perpaduan suku bunga
jangka pendek meningkat dan suku bunga jangka panjang menurun
Flattener
Interest rate shock with a combination of increasing short-term
interest rates and decreasing long-term interest rates
Shock suku bunga jangka pendek yang meningkat
Short Up
Upward short-term interest rate shock
Shock suku bunga jangka pendek yang menurun
Short Down
Downward short-term interest rate shock
Asumsi permodelan yang digunakan secara signifikan dalam Internal Modelling assumptions used significantly in the Internal Measurement
5.
Measurement System (IMS) – apabila ada. System (IMS) – if any.
Tidak terdapat perbedaan metodologi maupun asumsi-asumsi There is no difference in the methodology or modelling assumptions
permodelan dalam rangka perhitungan yang digunakan dalam Internal used in the Internal Measurement System (IMS). In other words,
Measurement System (IMS). Dengan kata lain, Bank menggunakan the Bank applies the Standardized Approach as the basis for IRRBB
Standardized Approach sebagai acuan dalam perhitungan IRRBB calculations for internal management purposes.
sebagai untuk keperluan pengelolaan internal.
Penjelasan mengenai bagaimana Bank melakukan lindung nilai Explanation of how the Bank hedges the IRRBB (if any) and the related
6.
(hedging) terhadap IRRBB (apabila ada) dan perlakuan akuntansi terkait. accounting treatment.
Saat ini Bank belum menerapkan melakukan lindung nilai (hedging) Currently, the Bank has not implemented any hedging activities
terhadap IRRBB. against IRRBB.
Penjelasan komprehensif mengenai asumsi utama pemodelan dan Comprehensive explanation of the key modelling assumptions and
7.
parametrik yang digunakan dalam menghitung ΔEVE dan ΔNII. parameters used in calculating ΔEVE and ΔNII.
Untuk metode EVE, bank menghitung seluruh arus kas di mana tidak For the EVE method, the Bank calculates all cash flows excluding
a. termasuk margin yang di diskonto dengan risk free rate pada saat margins, which are discounted using the risk-free rate as of
tanggal pelaporan. the reporting date.
Bank mempunyai eksposur suku bunga dari posisi Non-Maturity The Bank has interest rate exposure from Non-Maturity Deposits
Deposits (NMDs). Bank melakukan permodelan 2 (dua) tahap sesuai (NMDs) positions. The Bank applies a 2 (two) stage modelling
dengan ketentuan SEOJK IRRBB. Di tahap pertama Bank melakukan approach in accordance with the provisions of SEOJK on IRRBB.
analisa perubahan volume untuk menentukan porsi NMD yang stabil In the first stage, the Bank analyses volume changes to determine
b. dalam arti mempunyai kemungkinan kecil untuk ditarik nasabah. Di the portion of NMD considered stable, meaning those with a low
tahap kedua Bank mengukur proporsi simpanan inti dari NMD stabil probability of being withdrawn by customers. In the second stage, the
yang tidak akan ditarik nasabah berdasarkan sensitivitasnya terhadap Bank measures the core deposit portion of the stable NMDs, which
perubahan suku bunga. are unlikely to be withdrawn by customers based on their sensitivity
to interest rate changes.
Dalam mengestimasi prepayment rate dari pinjaman, Bank In estimating the prepayment rate of loans, the Bank uses a statistical
menggunakan metode statistik dengan berdasarkan data historis dalam method based on historical data to analyse the accelerated loan
menganalisis tingkat pelunasan kredit yang dipercepat. Sedangkan repayment rate. Meanwhile, in estimating the early withdrawal rate
dalam mengestimasi early withdrawal rate untuk deposito berjangka, for time deposits, the Bank applies the Exponential Weighted Moving
c. Bank menggunakan metode Exponential Weighted Moving Average Average (EWMA) method. This model assumes that the next day’s
(EWMA). Model ini mengasumsikan bahwa hasil proyeksi esok hari projection is influenced by today’s actual data and past data. Several
dipengaruhi oleh data aktual hari ini dan data lampau. Beberapa dimensi key factors that influence the withdrawal rate, include: deposit interest
utama yang mempengaruhi tingkat penarikan nasabah, antara lain: suku rates, deposit nominal amounts, and several other factors.
bunga deposito, nominal deposito, dan beberapa faktor lainnya.
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Analisis Kuantitatif Quantitative Analysis
Tidak terdapat asumsi lain yang digunakan oleh Bank di luar asumsi- There are no other assumptions used by the Bank beyond those
d.
asumsi yang ditetapkan oleh SEOJK IRRBB. stipulated in SEOJK on IRRBB.
Bank belum tergolong Bank Devisa, sehingga hanya memperhitungkan As the Bank is not classified as a Foreign Exchange Bank, the IRRBB
e.
IRRBB untuk mata uang Rupiah saja. calculation only applies to Rupiah currency.
Analisis Kuantitatif Quantitative Analysis
Rata-rata jangka waktu penyesuaian suku bunga (repricing maturity) The average period of interest rate adjustment (repricing maturity)
1.
yang diterapkan untuk NMD. applied to NMD.
Rata-rata Repricing Maturity untuk Rupiah adalah 1,75 (satu koma The average repricing maturity for Rupiah is 1.75 (one point
tujuh lima) tahun. seven five) years.
2. Jangka waktu penyesuaian suku bunga (repricing maturity) terlama The longest interest rate adjustment period (repricing maturity)
yang diterapkan untuk NMD. applied to NMD.
Repricing Maturity terpanjang untuk Rupiah adalah 5,5 (lima koma The longest repricing maturity for Rupiah is 5.5 (five point
lima) tahun. five) years.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas merupakan potensi ketidakmampuan Bank dalam Liquidity risk is the potential inability of the Bank to meet its
memenuhi kewajiban yang jatuh tempo dengan memanfaatkan maturing obligations by utilizing cash funding sources or high-
sumber pendanaan arus kas atau aset likuid berkualitas tinggi quality liquid assets that can be pledged, without causing
yang dapat diagunkan, tanpa menimbulkan gangguan terhadap disruptions to operational activities or financial stability.
aktivitas operasional maupun stabilitas keuangannya.
Strategi Penerapan dan Manajemen Risiko Strategy and Implementation of Liquidity Risk
Likuiditas Management
Pengelolaan risiko likuiditas dilakukan untuk meminimalkan Liquidity risk management is carried out to minimize
potensi ketidakmampuan Bank dalam memenuhi kebutuhan the potential inability of the Bank to meet cash funding
pendanaan arus kas, sekaligus memperkuat struktur likuiditas needs, while also strengthening the balance sheet liquidity
neraca guna mendukung pertumbuhan jangka panjang yang structure to support sustainable long-term growth. In practice,
berkelanjutan. Dalam pelaksanaannya, Bank secara proaktif the Bank proactively evaluates deposit interest rates to ensure
melakukan evaluasi terhadap tingkat suku bunga dana deposito they are competitive and aligned with liquidity conditions,
yang kompetitif dan selaras dengan kondisi likuiditas, sehingga thereby maintaining the overall stability and adequacy of
dapat menjaga stabilitas serta kecukupan posisi dana pihak third-party funds.
ketiga secara keseluruhan.
Strategi yang ditempuh Bank dalam mengelola risiko likuiditas The strategies implemented by the Bank to manage liquidity
sepanjang tahun 2025 diuraikan sebagai berikut: risk throughout 2025 are as follows:
1. Peningkatan jumlah dana pihak ketiga dalam bentuk 1. Increase in third-party funds in the form of savings and
tabungan dan giro; current accounts;
2. Penambahan kerja sama fasilitas credit line pendanaan 2. Expansion of credit line funding cooperation with other
dari bank lain; banks;
3. Penambahan kerja sama counterparty pinjaman antar 3. Increasing of interbank loan counterparty cooperation
bank (money market); (money market);
4. Strategi pengelolaan likuiditas dilakukan melalui 4. Liquidity management strategy is carried out through
penetapan limit likuiditas yang selaras dengan bisnis the establishment of liquidity limits aligned with the Bank’s
bank. Limit tersebut antara lain mencakup limit Liquidity business. These limits include the Liquidity Coverage
Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Ratio (LCR), Net Stable Funding Ratio (NSFR), funding
limit konsetrasi pendanaan, dan limit aset likuid; concentration limits, and liquid asset limits;
5. Pengelolaan Aset Likuid Berkualitas Tinggi (HQLA), bank 5. Management of High-Quality Liquid Assets (HQLA),
menjaga kecukupan Aset Likuid Berkualitas Tinggi (HQLA) the Bank maintains sufficient High-Quality Liquid Assets
yang dapat segera dicairkan guna memenuhi kebutuhan (HQLA) that can be readily converted to cash to meet
likuiditas jangka pendek; short-term liquidity needs;
6. Pemantauan arus kas dan struktur jatuh tempo aset dan 6. Regular and continuous monitoring of cash flows and
liabilitas dilakukan secara berkala dan berkelanjutan the maturity structure of assets and liabilities through
melalui analisis maturity profile dan maturity gap; serta maturity profile and maturity gap analysis; and
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7. Secara berkala melakukan stress testing likuiditas untuk 7. Periodic liquidity stress testing to assess the Bank’s
menilai ketahanan Bank terhadap berbagai skenario resilience under various extreme scenarios.
kondisi ekstrem.
Tata Kelola dan Organisasi Governance and Organization
Divisi Manajemen Risiko secara rutin melakukan analisis The Risk Management Division routinely analyzes the Bank’s
terhadap posisi likuiditas Bank dan menyiapkan laporan yang liquidity position and prepares reports reflecting the current
menggambarkan kondisi likuiditas terkini. Hasil analisis tersebut liquidity conditions. The results of these analyses are then
kemudian disampaikan kepada manajemen pada basis mingguan submitted to management on a weekly and monthly basis,
dan bulanan, sehingga manajemen dapat memantau kecukupan enabling management to continuously monitor liquidity
likuiditas secara berkelanjutan dan mengambil tindakan yang adequacy and take necessary actions to maintain the Bank’s
diperlukan untuk menjaga stabilitas pendanaan Bank. funding stability.
OK BANK juga memiliki ketentuan yang mengatur kepatuhan OK BANK also has provisions regulating compliance with
terhadap limit, yang dilakukan oleh: limits, which are carried out by:
1. Divisi Tresuri dan dipantau oleh Divisi Manajemen Risiko 1. The Treasury Division, monitored by the Risk Management
melalui laporan pemantauan posisi Bank terhadap Division through weekly and monthly monitoring reports
limit Risiko likuiditas mingguan dan bulanan; serta on the Bank’s position against the liquidity risk limits; and
2. Hasil pantauan akan dibahas dalam Komite Manajemen 2. The monitoring results will be discussed in the Risk
Risiko dan Komite ALCO bila diperlukan. Management Committee and the ALCO Committee
if necessary.
Hasil dari pembahasan ALCO kemudian diajukan kepada The results of ALCO discussions are then submitted to the Risk
Komite Manajemen Risiko apabila terdapat rekomendasi yang Management Committee if there are recommendations that
perlu dibahas dan diputuskan. need to be reviewed and decided upon.
Risiko Operasional Operational Risk
Risiko operasional merupakan potensi kerugian yang timbul Operational risk is the potential loss arising from inadequate
akibat ketidakcukupan atau kegagalan proses internal, or failed internal processes, human error, system malfunctions
kesalahan manusia, gangguan atau tidak berfungsinya sistem, or failures, or external events that impact the Bank’s
maupun peristiwa eksternal yang berdampak pada kelancaran operational continuity. This risk can occur in various forms
operasional Bank. Risiko ini dapat muncul dalam berbagai and levels, requiring a strong control system to ensure that
bentuk dan tingkatan, sehingga pengelolaannya memerlukan the Bank’s activities continue safely and efficiently.
sistem pengendalian yang kuat untuk memastikan aktivitas
Bank tetap berjalan secara aman dan efisien.
Strategi dan Penerapan Manajemen Operational Risk Management Strategy
Risiko Operasional and Implementation
Tingkat risiko operasional Bank sepanjang tahun 2025 The level of the Bank’s operational risk throughout 2025
dipengaruhi oleh implementasi produk dan aktivitas baru, was influenced by the implementation of new products and
serta efektivitas pelaksanaan strategi contingency plan activities, as well as the effectiveness of contingency plan
dalam mengantisipasi dan menangani berbagai kondisi yang strategies in anticipating and addressing conditions that could
berpotensi mengganggu kelangsungan operasional Bank. disrupt the Bank’s operational continuity. Important factors
Faktor penting yang dapat memengaruhi risiko operasional that may affect the Bank’s operational risk are described as
Bank diuraikan sebagai berikut: follows:
1. Pelaksanaan produk dan aktivitas baru; 1. Implementation of new products and activities;
2. Faktor eksternal, seperti adanya bencana alam, kerusuhan, 2. External factors, such as natural disasters, riots, pandemics,
pandemic, dan lain-lain yang berdampak pada penutupan and other events that may result in the temporary closure of
sementara operasional pada kantor pusat maupun operations at the head office or branch offices;
di kantor cabang;
3. Peningkatan jumlah dan komposisi karyawan alih daya 3. Increase in the number and composition of outsourced
untuk mendukung operasional Bank; serta employees to support the Bank’s operations; and
4. Perkembangan kerentanan risiko terkait teknologi 4. Development of risk vulnerabilities related to information
informasi, seperti serangan siber. technology, such as cyberattacks.
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Strategi yang ditempuh Bank dalam mengelola risiko likuiditas The strategies adopted by the Bank to manage liquidity risk
sepanjang tahun 2025 diuraikan sebagai berikut: throughout 2025 are described as follows:
1. Peningkatan pemahaman terkait pengendalian risiko 1. Increased understanding regarding operational risk control
operasional pada risk owner masing-masing; for each risk owner;
2. Peningkatan standar mutu layanan operasional, seperti 2. Improvement of operational service quality standards,
sertifikasi ISO 27001 untuk produk mobil dan internet such as ISO 27001 certification for mobile and internet
banking; banking products;
3. Pengkinian dan sosialisasi terhadap ketentuan internal 3. Updating and dissemination of internal regulations to
guna mendukung operasional Bank; support Bank operations;
4. Penguatan fungsi ketahanan siber yang diperkuat dengan 4. Strengthening of cyber resilience functions, reinforced by
keanggotaan Bank pada Badan Siber dan Sandi Negara the Bank’s membership in the National Cyber and Crypto
guna mendukung penanggulangan dan pencegahan Agency to support incident prevention and mitigation; and
insiden siber; serta
5. Pengujian contingency plan secara berkala, seperti 5. Periodic testing of contingency plans, such as the Business
Business Contingency Plan dan Disaster Recovery Plan. Contingency Plan and Disaster Recovery Plan.
Risiko Hukum Legal Risk
Risiko hukum merupakan potensi kerugian yang timbul akibat Legal risk is the potential loss arising from lawsuits or
tuntutan hukum atau kelemahan pada aspek yuridis yang weaknesses in the legal aspects that affect the Bank’s
memengaruhi kegiatan Bank. Sepanjang tahun 2025, terdapat activities. Throughout 2025, several litigation cases and legal
beberapa kasus litigasi dan permasalahan hukum yang muncul, issues emerged, primarily related to lawsuit from debtors who
terutama terkait gugatan dari debitur yang mengalami gagal defaulted on their obligations. Nevertheless, most of these
bayar. Meskipun demikian, sebagian besar tuntutan tersebut lawsuits were assessed as having no significant potential to
dinilai tidak memiliki potensi signifikan untuk menimbulkan cause losses to the Bank, so their impact on financial stability
kerugian bagi Bank, sehingga dampaknya terhadap stabilitas remained controllable.
keuangan tetap dapat dikendalikan.
Strategi dan Penerapan Manajemen Risiko Strategy and Implementation of Legal Risk
Hukum Management
Melalui Divisi Hukum, Bank secara konsisten melakukan Through the Legal Division, the Bank consistently monitors and
pemantauan dan pendokumentasian atas dokumen hukum yang documents pending legal matters, particularly those related to
masih tertunda, khususnya yang berkaitan dengan nasabah customers receiving credit facilities. Reviews of agreements with
penerima fasilitas kredit. Penelaahan terhadap perjanjian dengan other parties, especially regarding credit provision and collateral
pihak lain, terutama terkait pemberian kredit dan bentuk jaminan received by the Bank, are conducted regularly to ensure that
yang diterima Bank, dilakukan secara berkala guna memastikan the Bank’s legal interests and positions remain protected.
kepentingan dan posisi hukum Bank tetap terlindungi. Secara Overall, the implementation of legal risk management has been
keseluruhan, penerapan manajemen risiko hukum telah berjalan effective and maintained at a high standard.
dengan efektif dan berada pada kualitas yang baik.
Risiko Stratejik Strategic Risk
Risiko stratejik merupakan potensi kerugian yang muncul akibat Strategic risk is the potential loss that arises from inaccuracies
ketidaktepatan dalam pengambilan atau pelaksanaan keputusan in making or implementing strategic decisions, as well as from
stratejik, serta kegagalan dalam merespons perubahan failures to respond to changes in the business environment.
lingkungan bisnis. Untuk mengelola risiko ini, Bank melakukan To manage this risk, the Bank periodically conducts
identifikasi secara berkala dengan mempertimbangkan identification by taking into account past loss experiences
pengalaman kerugian masa lalu yang berkaitan dengan faktor- related to strategic factors. This approach helps the Bank
faktor stratejik. Pendekatan ini membantu Bank memahami understand the sources of risk and adjust policy directions to
sumber risiko dan menyesuaikan arah kebijakan agar tetap remain aligned with industry dynamics.
selaras dengan dinamika industri.
Pada tahun 2025, Bank membukukan laba sebesar Rp164,15 miliar In 2025, the Bank recorded a profit of Rp164.15 billion with total
dengan jumlah aset yang meningkat menjadi Rp13,45 triliun. assets increasing to Rp13.45 trillion. In addition, the Bank was
Selain itu, Bank masih didukung dengan nilai Capital Adequacy supported by a Capital Adequacy Ratio (CAR) of 42.00%.
Ratio (CAR) sebesar 42,00%.
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Dalam pengukuran rasio, Bank mengalami sedikit peningkatan In ratio measurements, the Bank experienced a slight
kualitas kredit terhadap rasio NPL bruto yang dibandingkan improvement in credit quality as reflected in the gross NPL
dengan tahun sebelumnya. Pada tahun 2025, rasio bruto NPL ratio compared to the previous year. In 2025, the gross NPL
(termasuk pembiayaan ke BPR) sebesar 2,45% dan rasio bruto ratio (including financing to BPR) was 2.45%, and the gross
(non BPR) sebesar 2,50%. Sedangkan, rasio NPL bersih (net) NPL ratio (excluding BPR) was 2.50%. Meanwhile, the net NPL
juga mengalami peningkatan dibandingkan dengan tahun ratio also improved compared to the previous year, with the net
sebelumnya di mana rasio net (termasuk BPR) sebesar 1,22% ratio (including BPR) at 1.22% and the net ratio (excluding BPR)
dan rasio net (non BPR) sebesar 1,24%. at 1.24%.
Strategi dan Penerapan Manajemen Risiko Strategy and Implementation of Strategic Risk
Stratejik Management
Pencapaian kinerja Bank, khususnya terkait rasio keuangan The Bank’s performance achievements, particularly related
utama, seperti pertumbuhan aset, perkembangan portofolio to key financial ratios, such as asset growth, loan portfolio
pinjaman, dan tingkat gagal bayar, secara rutin dibahas melalui development, and non-performing loan levels, are routinely
koordinasi antara Kepala Divisi dan Direksi. Sejalan dengan discussed through coordination between Division Heads and
hal tersebut, Divisi Manajemen Risiko secara berkelanjutan the Board of Directors. In line with this, the Risk Management
melakukan pemantauan dan pengukuran indikator risiko Division continuously monitors and measures strategic risk
strategis, yang hasilnya disampaikan secara berkala kepada indicators, with the results regularly communicated to all work
seluruh unit kerja guna memastikan keselarasan pengelolaan units to ensure alignment of risk management with the Bank’s
risiko dengan arah dan tujuan Bank. direction and objectives.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan potensi kerugian yang timbul Compliance risk is the potential loss that arises when
ketika Bank tidak mematuhi atau gagal melaksanakan peraturan the Bank fails to comply with or implement applicable laws
perundang-undangan maupun ketentuan lain yang berlaku. and regulations or other relevant provisions. In the context of
Dalam konteks pengelolaan risiko, risiko inheren kepatuhan risk management, inherent compliance risk is categorized into
dibedakan ke dalam 2 (dua) kelompok, yaitu risiko yang bersifat 2 (two) groups: quantitative risk and qualitative risk.
kuantitatif dan risiko yang bersifat kualitatif.
Risiko inheren yang bersifat kuantitatif tercermin melalui Inherent quantitative risk is reflected through indicators, such
indikator, seperti rasio BMPK, Giro Wajib Minimum (GWM) dan as the LLL ratio, the Statutory Reserves (GWM), and risk-
tingkat kecukupan modal berbasis risiko. Sementara itu, risiko based capital adequacy levels. Meanwhile, inherent qualitative
inheren yang bersifat kualitatif terlihat dari pelaksanaan tata risk is evident in the implementation of good governance,
kelola yang baik, yang mencakup struktur, proses, dan efektivitas which includes the structure, processes, and effectiveness of
penerapan governance dalam operasional Bank. Pendekatan ini governance application in the Bank’s operations. This approach
memastikan bahwa aspek kepatuhan dinilai secara menyeluruh, ensures that compliance aspects are assessed comprehensively,
baik dari sisi angka maupun kualitas pengelolaan. both in terms of numerical indicators and management quality.
Strategi dan Penerapan Manajemen Risiko Strategy and Implementation of Compliance Risk
Kepatuhan Management
Bank secara aktif dan berkesinambungan melakukan sosialisasi The Bank actively and continuously disseminates new
atas ketentuan baru yang ditetapkan oleh regulator maupun regulations issued by regulators and other relevant authorities,
instansi terkait lainnya, baik melalui media elektronik, seperti both through electronic media, such as e-mail and through
e-mail maupun melalui pertemuan koordinatif antar unit kerja. coordinated meetings between work units. In line with this,
Seiring dengan hal tersebut, penerapan program APU-PPT the implementation of the AML-CTF program has shown
menunjukkan peningkatan yang signifikan, didukung oleh significant improvement, supported by effective and synergistic
koordinasi yang efektif dan sinergis antara Unit Kerja Kepatuhan coordination between the Compliance Work Unit (UKK)
(UKK) di setiap kantor cabang dengan tim bisnis Bank. at each branch office and the Bank’s business teams.
Bank juga berkomitmen untuk menjaga aspek governance The Bank is also committed to maintaining governance process
process melalui: through:
1. Bank berupaya mulai dari Dewan Komisaris, komite-komite, 1. The Bank strives, starting from the Board of Commissioners,
Direksi, dan seluruh karyawan Bank untuk melaksanakan committees, Board of Directors, and all employees, to
kebijakan dan prosedur yang berlaku serta melakukan implement applicable policies and procedures, as well
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proses pengkinian dan kaji ulang secara berkelanjutan as continuously update and review them in line with
sesuai perkembangan kegiatan usaha dan kompleksitas the development of business activities and the complexity
kegiatan operasional Bank; serta of the Bank’s operations; and
2. Bank melaksanakan diseminasi dan sosialisasi peraturan 2. The Bank conducts dissemination and outreach of new
baru, melaksanakan beberapa pelatihan internal, mengikuti regulations, organizes several internal training programs,
pelatihan dan sosialisasi yang diadakan oleh regulator. and participates in training and dissemination activities
held by regulators.
Pada akhir tahun 2025, Bank berhasil mencapai target At the end of 2025, the Bank successfully achieved its data
pemenuhan pengkinian data sesuai dengan ketentuan yang update targets in accordance with applicable regulations,
berlaku, didukung oleh penerapan metode pengkinian data yang supported by the implementation of effective and adequate
efektif dan memadai. Sejalan dengan pencapaian tersebut, data updating methods. In line with this achievement,
Bank terus melakukan penyempurnaan di aspek operasional, the Bank continues to improve its operational aspects,
khususnya dalam memenuhi komitmen penyelesaian temuan particularly in fulfilling commitments to resolve findings
dari OJK sesuai dengan tenggat dan komitmen yang telah from OJK in accordance with the agreed timelines and
disepakati. commitments.
Risiko Reputasi Reputational Risk
Risiko reputasi muncul ketika tingkat kepercayaan stakeholder Reputation risk arises when stakeholder trust declines due to
menurun akibat persepsi negatif terhadap Bank. Untuk negative perceptions of the Bank. To manage this risk, the Bank
mengelola risiko ini, Bank didukung oleh permodalan yang kuat is supported by strong capital and continues to drive business
dan terus mendorong pengembangan usaha melalui perluasan development through the expansion of credit distribution
segmentasi penyaluran kredit. Selain itu, Bank menawarkan segments. In addition, the Bank offers retail products
produk-produk ritel yang dapat diakses oleh masyarakat luas, accessible to the broader public, enhancing both its services
sehingga pelayanan dan kontribusi Bank semakin terasa. and contributions. Through sustainable business development
Dengan upaya pengembangan usaha yang berkelanjutan efforts and extensive promotion, the Bank aims to strengthen
dan promosi yang luas, Bank bertujuan memperkuat kinerja performance while maintaining and enhancing its reputation in
sekaligus menjaga dan meningkatkan reputasi di mata publik the eyes of the public and stakeholders.
dan stakeholder.
Strategi dan Penerapan Manajemen Risiko Reputational Risk Management Strategy and
Reputasi Implementation
Bank secara berkelanjutan melakukan pemantauan terhadap The Bank continuously monitors all news related to its reputation.
seluruh pemberitaan yang berkaitan dengan reputasi Bank. Mitigation of reputation risk, including the potential emergence
Upaya mitigasi risiko reputasi, termasuk potensi munculnya of negative news, is carried out through the implementation
pemberitaan negatif, dilakukan melalui penerapan kebijakan dan of policies and procedures for handling customer complaints,
prosedur penanganan pengaduan nasabah, serta penyusunan as well as the preparation of reports monitoring the Bank’s
laporan pemantauan pemberitaan dan publikasi Bank di media news and publications in the mass media. Moreover, the Bank
massa. Di samping itu, Bank terus memperkuat dan memperluas continues to strengthen and expand its brand image through
citra merek Bank melalui aktivitas pemasaran dan sosialisasi marketing and outreach activities utilizing various social
yang memanfaatkan berbagai kanal media sosial. media channels.
Bank secara berkala melakukan pemantauan dan penanganan The Bank periodically monitors and addresses customer
keluhan serta pengaduan nasabah melalui forum manajemen complaints through risk management forums, accompanied by
risiko, disertai penerapan strategi yang terstruktur guna menjaga the implementation of structured strategies to maintain
dan meningkatkan citra Bank. Untuk memastikan respons yang and enhance the Bank’s image. To ensure fast and accurate
cepat dan tepat, Bank memanfaatkan saluran customer care dan responses, the Bank utilizes customer care and customer
customer service sebagai media utama penerimaan keluhan service channels as the primary media for receiving customer
nasabah. Setiap pengaduan yang diterima dicatat dan dikelola complaints. Each complaint received is recorded and managed
melalui aplikasi khusus berbasis ticketing yang memungkinkan through a dedicated ticketing application that allows real-time
pemantauan status pengaduan secara real-time, sehingga setiap monitoring of complaint status, ensuring that every issue can
permasalahan dapat ditindaklanjuti secara efisien dan sesuai be followed up efficiently and in accordance with established
dengan standar pelayanan yang telah ditetapkan. service standards.
Laporan Tahunan dan Laporan Keberlanjutan
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Annual Report and Sustainability Report
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PT Bank Oke Indonesia, Tbk.
Aplikasi ticketing yang digunakan Bank juga berfungsi sebagai The ticketing application used by the Bank also serves as
basis data yang menyimpan riwayat setiap pengaduan a database that stores the history of each complaint along
beserta proses penyelesaiannya, sehingga memungkinkan with its resolution process, enabling continuous evaluation
dilakukannya evaluasi dan perbaikan berkelanjutan apabila and improvement when needed. Through this structured
diperlukan. Melalui sistem yang terstruktur tersebut, OK system, OK BANK can identify patterns and trends in customer
BANK dapat mengidentifikasi pola dan tren keluhan nasabah complaints and take proactive steps to prevent similar issues
serta mengambil langkah-langkah proaktif untuk mencegah from recurring in the future. This approach supports the Bank’s
terulangnya permasalahan serupa di masa mendatang. efforts to maintain customer satisfaction, strengthen long-term
Pendekatan ini mendukung upaya Bank dalam menjaga tingkat relationships, and minimize potential negative impacts on the
kepuasan nasabah, memperkuat hubungan jangka panjang, Bank’s reputation due to suboptimal complaint handling.
serta meminimalkan potensi dampak negatif terhadap reputasi
Bank akibat penanganan keluhan yang kurang optimal.
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 393
Page 396
TATA KELOLA PERUSAHAAN
Corporate Governance
Pengungkapan Permodalan dan Manajemen Risiko
Disclosure of Capital and Risk Management
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN WILAYAH - BANK SECARA INDIVIDUAL
Disclosure of Net Receivables by Region - Bank Only
31 Desember 2025
December 31, 2025
Tagihan Bersih berdasarkan Wilayah
Net Receivables by Region
No. Kategori Portofolio
Sulawesi dan
Jawa Sekitarnya Jumlah
Kalimantan Sumatera
Java Sulawesi and Total
Surroundings
(1) (2) (3) (4) (5) (6) (7)
1. Tagihan kepada Pemerintah 2.239.716 - - - 2.239.716
2. Tagihan kepada Entitas Sektor Publik - - - - -
Tagihan kepada Bank
3. Pembangunan Multilateral - - - - -
dan Lembaga Internasional
4. Tagihan kepada Bank 496.403 37.658 - 78.180 612.241
5. Kredit Beragun Rumah Tinggal 221.046 - - 6.736 227.782
6. Kredit Beragun Properti Komersial 518.301 - - 18.645 536.946
Tagihan kepada Perusahaan Efek dan
7. 1.677.331 - - - 1.677.331
Lembaga Jasa Keuangan Lainnya
8. Kredit Pegawai/Pensiunan - - - - -
Tagihan kepada Usaha Mikro,
9. 852.318 45.173 110.434 66.245 1.074.170
Usaha Kecil, dan Portofolio Ritel
10. Tagihan kepada Korporasi 5.780.406 173.316 59.848 919.521 6.933.091
11. Tagihan yang Telah Jatuh Tempo 110.642 - - 17.459 128.101
12. Aset Lainnya 213.237 - - 1.551 214.788
Jumlah 12.109.400 256.147 170.282 1.108.337 13.644.166
Laporan Tahunan dan Laporan Keberlanjutan
394 2025
Annual Report and Sustainability Report
Page 397
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Tagihan Bersih berdasarkan Wilayah
Net Receivables by Region
Portfolio Category
Sulawesi dan
Jawa Sekitarnya Jumlah
Kalimantan Sumatera
Java Sulawesi and Total
Surroundings
(8) (9) (10) (11) (12) (2)
2.196.209 - - - 2.196.209 Receivables on Sovereigns
- - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - -
Banks and International Institutions
434.897 42.535 - 116.318 593.750 Receivables on Banks
299.298 - - 21.441 320.739 Loans Secured by Residential Property
352.204 - - 30.419 382.623 Loans Secured by Commercial Real Estate
Receivables from Securities Companies
1.842.083 - - - 1.842.083
and Other Financial Services Institutions
- - - - - Employee/Retired Loans
Receivables on Micro, Small Business, and
887.574 36.278 81.809 39.249 1.044.910
Retail Portfolio
5.322.329 75.450 85.083 1.218.415 6.701.277 Receivables on Corporate
130.301 - - - 130.301 Past Due Receivables
254.296 - - 2.833 257.129 Other Assets
11.719.191 154.263 166.892 1.428.675 13.469.021 Total
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 395
Page 398
TATA KELOLA PERUSAHAAN
Corporate Governance
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SISA JANGKA WAKTU KONTRAK -
BANK SECARA INDIVIDUAL
Disclosure of Net Receivables by Contractual Maturity - Bank Only
31 Desember 2025
December 31, 2025
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
Net Invoice by Remaining Contract Term
No. Kategori Portofolio
>1 Tahun >3 Tahun Non-
<1 Tahun s.d. 3 Tahun s.d. 5 Tahun >5 Tahun Kontraktual Jumlah
<1 Years >1 Year >3 Years >5 Years Non- Total
to 3 Years to 5 Years Contractual
(1) (2) (3) (4) (5) (6) (7) (8)
1. Tagihan kepada Pemerintah 735.515 - - 1.504.201 - 2.239.716
Tagihan kepada Entitas Sektor
2. - - - - - -
Publik
Tagihan kepada Bank
3. Pembangunan Multilateral - - - - - -
dan Lembaga Internasional
4. Tagihan kepada Bank 305.926 59.339 145.816 101.160 - 612.241
5. Kredit Beragun Rumah Tinggal 108.445 25.999 3.130 90.207 - 227.781
Kredit Beragun Properti
6. 78.100 91.761 23.365 343.720 - 536.946
Komersial
Tagihan kepada Perusahaan
7. Efek dan Lembaga Jasa 445.695 221.655 1.000.709 9.271 - 1.677.330
Keuangan Lainnya
8. Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro,
9. 729.884 163.230 105.258 75.797 - 1.074.169
Usaha Kecil, dan Portofolio Ritel
10. Tagihan kepada Korporasi 1.926.380 1.356.190 750.572 2.899.951 - 6.933.093
Tagihan yang Telah Jatuh
11. 14.787 32.779 21.830 58.706 - 128.102
Tempo
12. Aset Lainnya - - - - 214.788 214.788
Jumlah 4.344.732 1.950.953 2.050.680 5.083.013 214.788 13.644.166
Laporan Tahunan dan Laporan Keberlanjutan
396 2025
Annual Report and Sustainability Report
Page 399
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
Net Invoice by Remaining Contract Term
Portfolio Category
>1 Tahun >3 Tahun Non-
<1 Tahun s.d. 3 Tahun s.d. 5 Tahun >5 Tahun Kontraktual Jumlah
<1 Years >1 Year >3 Years >5 Years Non- Total
to 3 Years to 5 Years Contractual
(9) (10) (11) (12) (13) (14) (2)
878.309 - - 1.317.900 - 2.196.209 Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral
- - - - - - Development Banks and International
Institutions
310.967 45.601 102.733 134.449 - 593.750 Receivables on Banks
47.731 102.224 2.791 167.993 - 320.739 Loans Secured by Residential Property
Loans Secured by Commercial
170.288 134.866 12.968 64.501 - 382.623
Real Estate
Receivables from Securities
206.896 407.099 1.204.924 23.164 - 1.842.083 Companies and Other Financial
Services Institutions
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
632.641 152.782 150.830 108.657 - 1.044.910
and Retail Portfolio
977.742 1.786.341 725.973 3.211.221 - 6.701.277 Receivables on Corporate
22.597 14.926 33.881 58.897 - 130.301 Past Due Receivables
- - - - 257.129 257.129 Other Assets
3.247.171 2.643.839 2.234.100 5.086.782 257.129 13.469.021 Total
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 397
Page 400
TATA KELOLA PERUSAHAAN
Corporate Governance
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SEKTOR EKONOMI -
BANK SECARA INDIVIDUAL
Disclosure of Net Receivables by Economic Sectors - Bank Only
Tagihan
kepada Bank
Tagihan Pembangunan Kredit
kepada Multilateral Beragun
Tagihan
Entitas dan Lembaga Tagihan Rumah
kepada
Sektor Ekonomi Sektor Publik Internasional kepada Bank Tinggal
No. Pemerintah
Economy Sector Receivables Receivables Receivables Loans
Receivables
on Public on Multilateral on Banks Secured by
on Sovereigns
Sector Development Residential
Entities Banks and Property
International
Institutions
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2025
December 31, 2025
Aktivitas Jasa Lainnya
1. - - - - 1.093
Other Service Activities
Aktivitas Kesehatan Manusia
dan Aktivitas Sosial
2. - - - - -
Public Health Activities and
Social Activities
Aktivitas Keuangan dan Asuransi
3. 2.239.716 - - 612.241 -
Financial and Insurance Activities
Aktivitas Penyewaan dan
Sewa Guna Usaha tanpa Hak
Opsi, Ketenagakerjaan, Agen
Perjalanan, dan Penunjang
4. Usaha Lainnya - - - - 27.023
Rights, Employment, Travel
Agencies, and Other Business
Support
Aktivitas Profesional, Ilmiah,
dan Teknis
5. - - - - 58.450
Professional, Scientific, and
Technical Activities
Industri Pengolahan
6. - - - - 7.609
Processing Industry
Informasi dan Komunikasi
7. - - - - -
Information and Communication
Kesenian, Hiburan, dan Rekreasi
8. Arts, Entertainment, and - - - - -
Recreation
Konstruksi
9. - - - - 6.079
Construction
Pendidikan
10. - - - - -
Education Services
Laporan Tahunan dan Laporan Keberlanjutan
398 2025
Annual Report and Sustainability Report
Page 401
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
Tagihan
kepada
Tagihan
Perusahaan
kepada
Efek dan
Usaha Mikro,
Kredit Lembaga
Usaha
Beragun Jasa
Kredit Kecil, dan Tagihan Tagihan
Properti Keuangan
Pegawai/ Portofolio kepada yang Telah
Komersial Lainnya Aset Lainnya
Pensiunan Ritel Korporasi Jatuh Tempo
Loan Receivables Other Assets
Employee/ Receivables Receivables Past Due
Secured by from
Retired Loans on Micro, on Corporate Receivables
Commercial Securities
Small
Real Estate Companies
Business,
and Other
and Retail
Financial
Portfolio
Services
Institutions
(8) (9) (10) (11) (12) (13) (14)
31 Desember 2025
December 31, 2025
24.074 - - 6.840 267.567 - 214.788
- - - 72 4.069 3.608 -
- 1.677.331 - - - - -
12.467 - - - 441.025 - -
5.026 - - - 638.997 - -
31.808 - - 21.224 2.095.780 41.728 -
- - - - 32.901 - -
11.841 - - - 37.203 - -
20.066 - - 32.609 105.089 2.752 -
- - - - 285.715 - -
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 399
Page 402
TATA KELOLA PERUSAHAAN
Corporate Governance
Tagihan
kepada Bank
Tagihan Pembangunan Kredit
kepada Multilateral Beragun
Tagihan
Entitas dan Lembaga Tagihan Rumah
kepada
Sektor Ekonomi Sektor Publik Internasional kepada Bank Tinggal
No. Pemerintah
Economy Sector Receivables Receivables Receivables Loans
Receivables
on Public on Multilateral on Banks Secured by
on Sovereigns
Sector Development Residential
Entities Banks and Property
International
Institutions
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2025
December 31, 2025
Pengadaan Listrik, Gas, Uap/Air
Panas dan Udara Dingin
11. - - - - -
Procurement of Electricity, Gas,
Steam/Hot Water and Cold Air
Pengangkutan dan Pergudangan
12. - - - - 9.022
Transportation and Warehousing
Penyediaan Akomodasi dan
Penyediaan Makan Minum
13. - - - - 6.608
Provision of Accommodation,
Food, and Beverages
Perdagangan Besar dan Eceran;
Reparasi dan Perawatan Mobil
dan Sepeda Motor
14. - - - - 24.023
Retail and Trade; Repair and
Maintenance of Cars and
Motorcycle
Pertambangan dan Penggalian
15. - - - - 7.333
Mining and Quarrying
Pertanian, Kehutanan, dan
16. Perikanan - - - - 30.701
Agriculture, Forestry, and Fishing
Real Estat
17. - - - - 21.066
Real Estate
Rumah Tangga
18. - - - - 28.775
Household
Jumlah
2.239.716 - - 612.241 227.782
Total
Laporan Tahunan dan Laporan Keberlanjutan
400 2025
Annual Report and Sustainability Report
Page 403
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
Tagihan
kepada
Tagihan
Perusahaan
kepada
Efek dan
Usaha Mikro,
Kredit Lembaga
Usaha
Beragun Jasa
Kredit Kecil, dan Tagihan Tagihan
Properti Keuangan
Pegawai/ Portofolio kepada yang Telah
Komersial Lainnya Aset Lainnya
Pensiunan Ritel Korporasi Jatuh Tempo
Loan Receivables Other Assets
Employee/ Receivables Receivables Past Due
Secured by from
Retired Loans on Micro, on Corporate Receivables
Commercial Securities
Small
Real Estate Companies
Business,
and Other
and Retail
Financial
Portfolio
Services
Institutions
(8) (9) (10) (11) (12) (13) (14)
31 Desember 2025
December 31, 2025
- - - 1.132 - - -
- - - - 56.518 - -
303.627 - - 6.013 1.103.491 23.862 -
99.807 - - 54.617 355.996 22.173 -
- - - - 426.393 13.610 -
17.150 - - - - - -
11.080 - - 8.149 1.082.347 16.494 -
- - - 943.514 - 3.874 -
536.946 1.677.331 - 1.074.170 6.933.091 128.101 214.788
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 401
Page 404
TATA KELOLA PERUSAHAAN
Corporate Governance
Tagihan
kepada Bank
Tagihan Pembangunan Kredit
kepada Multilateral Beragun
Tagihan
Entitas dan Lembaga Tagihan Rumah
kepada
Sektor Ekonomi Sektor Publik Internasional kepada Bank Tinggal
No. Pemerintah
Economy Sector Receivables Receivables Receivables Loans
Receivables
on Public on Multilateral on Banks Secured by
on Sovereigns
Sector Development Residential
Entities Banks and Property
International
Institutions
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2024
December 31, 2024
Aktivitas Jasa Lainnya
1. - - - - -
Other Service Activities
Aktivitas Kesehatan Manusia
dan Aktivitas Sosial
2. - - - - -
Public Health Activities and
Social Activities
Aktivitas Keuangan dan Asuransi
3. 2.196.209 - - 593.750 -
Financial and Insurance Activities
Aktivitas Penyewaan dan
Sewa Guna Usaha tanpa Hak
Opsi, Ketenagakerjaan, Agen
Perjalanan, dan Penunjang
4. Usaha Lainnya - - - - 12.866
Rights, Employment, Travel
Agencies, and Other Business
Support
Aktivitas Profesional, Ilmiah,
dan Teknis
5. - - - - 69.632
Professional, Scientific, and
Technical Activities
Industri Pengolahan
6. - - - - 17.934
Processing Industry
Informasi dan Komunikasi
7. - - - - -
Information and Communication
Kesenian, Hiburan, dan Rekreasi
8. Arts, Entertainment, and - - - - -
Recreation
Konstruksi
9. - - - - -
Construction
Pendidikan
10. - - - - -
Education Services
Pengadaan Listrik, Gas, Uap/Air
Panas dan Udara Dingin
11. - - - - -
Procurement of Electricity, Gas,
Steam/Hot Water and Cold Air
Laporan Tahunan dan Laporan Keberlanjutan
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Annual Report and Sustainability Report
Page 405
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
Tagihan
kepada
Tagihan
Perusahaan
kepada
Efek dan
Usaha Mikro,
Kredit Lembaga
Usaha
Beragun Jasa Kredit
Kecil, dan Tagihan Tagihan
Properti Keuangan Pegawai/
Portofolio kepada yang Telah
Komersial Lainnya Pensiunan Aset Lainnya
Ritel Korporasi Jatuh Tempo
Loan Receivables Employee/ Other Assets
Receivables Receivables Past Due
Secured by from Retired
on Micro, on Corporate Receivables
Commercial Securities Loans
Small
Real Estate Companies
Business,
and Other
and Retail
Financial
Portfolio
Services
Institutions
(8) (9) (10) (11) (12) (13) (14)
31 Desember 2024
December 31, 2024
29.351 - - 6.257 312.996 1.219 257.129
5.341 - - 201 - - -
- 1.842.083 - - - - -
60.023 - - - 142.741 - -
5.266 - - - 298.160 - -
42.013 - - 25.776 2.090.008 50.182 -
- - - - 41.513 - -
12.093 - - - 70.000 - -
36.628 - - 18.907 246.565 4.080 -
2.440 - - 1.076 309.500 - -
- - - - - - -
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 403
Page 406
TATA KELOLA PERUSAHAAN
Corporate Governance
Tagihan
kepada Bank
Tagihan Pembangunan Kredit
kepada Multilateral Beragun
Tagihan
Entitas dan Lembaga Tagihan Rumah
kepada
Sektor Ekonomi Sektor Publik Internasional kepada Bank Tinggal
No. Pemerintah
Economy Sector Receivables Receivables Receivables Loans
Receivables
on Public on Multilateral on Banks Secured by
on Sovereigns
Sector Development Residential
Entities Banks and Property
International
Institutions
(1) (2) (3) (4) (5) (6) (7)
31 Desember 2024
December 31, 2024
Pengangkutan dan Pergudangan
12. - - - - 9.059
Transportation and Warehousing
Penyediaan Akomodasi dan
Penyediaan Makan Minum
13. - - - - 33.944
Provision of Accommodation,
Food, and Beverages
Perdagangan Besar dan Eceran;
Reparasi dan Perawatan Mobil
dan Sepeda Motor
14. - - - - 19.668
Retail and Trade; Repair and
Maintenance of Cars and
Motorcycle
Pertambangan dan Penggalian
15. - - - - 31.097
Mining and Quarrying
Pertanian, Kehutanan, dan
16. Perikanan - - - - 50.073
Agriculture, Forestry, and Fishing
Real Estat
17. - - - - 25.954
Real Estate
Rumah Tangga
18. - - - - 50.512
Household
Jumlah
2.196.209 - - 593.750 320.739
Total
Laporan Tahunan dan Laporan Keberlanjutan
404 2025
Annual Report and Sustainability Report
Page 407
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
Tagihan
kepada
Tagihan
Perusahaan
kepada
Efek dan
Usaha Mikro,
Kredit Lembaga
Usaha
Beragun Jasa Kredit
Kecil, dan Tagihan Tagihan
Properti Keuangan Pegawai/
Portofolio kepada yang Telah
Komersial Lainnya Pensiunan Aset Lainnya
Ritel Korporasi Jatuh Tempo
Loan Receivables Employee/ Other Assets
Receivables Receivables Past Due
Secured by from Retired
on Micro, on Corporate Receivables
Commercial Securities Loans
Small
Real Estate Companies
Business,
and Other
and Retail
Financial
Portfolio
Services
Institutions
(8) (9) (10) (11) (12) (13) (14)
31 Desember 2024
December 31, 2024
- - - - 67.260 - -
60.353 - - 5.593 1.132.332 4.080 -
118.114 - - 118.502 520.584 37.319 -
- - - - 337.179 - -
- - - 1.129 - - -
9.498 - - 12.150 1.132.439 28.018 -
1.503 - - 855.319 - 5.403 -
382.623 1.842.083 - 1.044.910 6.701.277 130.301 257.129
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 405
Page 408
TATA KELOLA PERUSAHAAN
Corporate Governance
PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN WILAYAH -
BANK SECARA INDIVIDUAL
Disclosure of Receivables and Provisioning by Region - Bank Only
31 Desember 2025
December 31, 2025
Wilayah
Region
No. Keterangan
Sulawesi dan
Jawa Sekitarnya Jumlah
Kalimantan Sumatera
Java Sulawesi and Total
Surroundings
(1) (2) (3) (4) (5) (6) (7)
1. Tagihan 12.286.256 258.497 176.547 1.116.600 13.837.900
Tagihan yang Mengalami
Peningkatan dan Pemburukan - - - - -
Risiko Kredit (Stage 2 dan Stage 3)
2.
a. Belum Jatuh Tempo 196.570 1.691 2.450 4.494 205.205
b. Telah Jatuh Tempo 230.073 2.096 25.354 5.591 263.114
3. CKPN - Stage 1 35.322 1.442 3.237 5.675 45.676
4. CKPN - Stage 2 57.409 254 674 368 58.705
5. CKPN - Stage 3 119.447 2.096 5.591 7.895 135.029
6. Tagihan yang Dihapus Buku 698.396 - - 1.723 700.119
Jumlah 13.623.473 266.076 213.853 1.142.346 15.245.748
PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN SEKTOR EKONOMI -
BANK SECARA INDIVIDUAL
Disclosure of Receivables and Provisioning by Economic Sectors - Bank Only
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Sektor Ekonomi Tagihan
No.
Economy Sector Receivables
Belum Jatuh Tempo Telah Jatuh Tempo
Not Past Due Past Due
(1) (2) (3) (4) (5)
31 Desember 2025
December 31, 2025
Aktivitas Lainnya
1. 514.363 - -
Other Service Activities
Aktivitas Kesehatan Manusia dan
Aktivitas Sosial
2. 17.124 - 12.983
Public Health Activities and Social
Activities
Aktivitas Keuangan dan Asuransi
3. 4.529.287 - -
Financial and Insurance Activities
Aktivitas Penyewaan dan Sewa
Guna Usaha tanpa Hak Opsi,
Ketenagakerjaan, Agen Perjalanan,
4. dan Penunjang Usaha Lainnya 480.514 - -
Rights, Employment, Travel Agencies,
and Other Business Support
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PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Wilayah
Region
Description
Sulawesi dan
Jawa Sekitarnya Jumlah
Kalimantan Sumatera
Java Sulawesi and Total
Surroundings
(8) (9) (10) (11) (12) (2)
11.846.809 165.074 160.221 1.429.642 13.601.746 Gross Financial Assets
Impaired Receivables
- - - - -
(Stage 2 and Stage 3)
361.387 1.490 3.666 1.171 367.714 a. Not Past Due
219.728 1.024 2.583 846 224.181 b. Past Due
63.827 1.216 2.499 7.373 74.915 CKPN - Stage 1
38.192 153 379 121 38.845 CKPN - Stage 2
89.427 1.024 2.583 846 93.880 CKPN - Stage 3
584.988 - - 5.688 590.676 Written-off Receivables
13.204.358 169.981 171.931 1.445.687 14.991.957 Total
(dalam Rp Juta / in Rp Million)
Cadangan Kerugian Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai Penurunan Nilai Penurunan Nilai
Tagihan yang
(CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3
Dihapus Buku
Allowance for Allowance for Allowance for
Written-off Claims
Impairment Losses Impairment Losses Impairment Losses
(CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3
(6) (7) (8) (9)
31 Desember 2025
December 31, 2025
215 - - 124.721
- - 9.375 -
10.234 - - 50.107
205 - - -
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 407
Page 410
TATA KELOLA PERUSAHAAN
Corporate Governance
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Sektor Ekonomi Tagihan
No.
Economy Sector Receivables
Belum Jatuh Tempo Telah Jatuh Tempo
Not Past Due Past Due
(1) (2) (3) (4) (5)
31 Desember 2025
December 31, 2025
Aktivitas Profesional, Ilmiah, dan Teknis
5. Professional, Scientific, and Technical 702.474 - -
Activities
Industri Pengolahan
6. 2.222.663 2.629 66.243
Processing Industry
Informasi dan Komunikasi
7. 33.501 5.981 -
Information and Communication
Kesenian, Hiburan, dan Rekreasi
8. 49.045 - -
Arts, Entertainment, and Recreation
Konstruksi
9. 181.575 15.787 2.862
Construction
Pendidikan
10. 285.715 - -
Education
Pengadaan Listrik, Gas, Uap/Air
Panas dan Udara Dingin
11. 1.132 - -
Procurement of Electricity, Gas,
Steam/Hot Water and Cold Air
Pengangkutan dan Pergudangan
12. 67.147 9.818 -
Transportation and Warehousing
Penyediaan Akomodasi dan
Penyediaan Makan Minum
13. 1.455.866 - 36.126
Provision of Accommodation, Food,
and Beverages
Perdagangan Besar dan Eceran;
Reparasi dan Perawatan Mobil dan
14. Sepeda Motor 624.186 100.371 56.376
Retail and Trade; Repair and
Maintenance of Cars and Motorcycle
Pertambangan dan Penggalian
15. 456.600 5.268 21.919
Mining and Quarrying
Pertanian, Kehutanan, dan Perikanan
16. 47.852 - -
Agriculture, Forestry, and Fishing
Real Estat
17. 1.146.374 25.864 21.995
Real Estate
Rumah Tangga
18. 1.022.482 39.487 44.610
Household
Jumlah
13.837.900 205.205 263.114
Total
Laporan Tahunan dan Laporan Keberlanjutan
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Page 411
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
Cadangan Kerugian Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai Penurunan Nilai Penurunan Nilai
Tagihan yang
(CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3
Dihapus Buku
Allowance for Allowance for Allowance for
Written-off Claims
Impairment Losses Impairment Losses Impairment Losses
(CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3
(6) (7) (8) (9)
31 Desember 2025
December 31, 2025
251 - - -
1.429 - 24.514 -
1.211 600 - -
12 - - -
145 14.870 110 -
234 - - -
- - - -
343 1.608 - -
2.892 - 12.265 -
128 33.367 34.203 -
823 956 8.310 -
6 - - -
724 1.737 5.500 -
26.824 5.567 40.752 525.291
45.676 58.705 135.029 700.119
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 409
Page 412
TATA KELOLA PERUSAHAAN
Corporate Governance
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Sektor Ekonomi Tagihan
No.
Economy Sector Receivables
Belum Jatuh Tempo Telah Jatuh Tempo
Not Past Due Past Due
(1) (2) (3) (4) (5)
31 Desember 2024
December 31, 2024
Aktivitas Lainnya
1. 607.590 - 1.854
Other Service Activities
Aktivitas Kesehatan Manusia dan
Aktivitas Sosial
2. 13.417 13.217 -
Public Health Activities and Social
Activities
Aktivitas Keuangan dan Asuransi
3. 4.632.042 - -
Financial and Insurance Activities
Aktivitas Penyewaan dan Sewa
Guna Usaha tanpa Hak Opsi,
Ketenagakerjaan, Agen Perjalanan,
4. dan Penunjang Usaha Lainnya 215.629 - -
Rights, Employment, Travel Agencies,
and Other Business Support
Aktivitas Profesional, Ilmiah, dan Teknis
5. Professional, Scientific, and Technical 373.058 - -
Activities
Industri Pengolahan
6. 2.245.059 1.995 69.317
Processing Industry
Informasi dan Komunikasi
7. 41.513 6.088 -
Information and Communication
Kesenian, Hiburan, dan Rekreasi
8. 82.093 - -
Arts, Entertainment, and Recreation
Konstruksi
9. 310.507 27.462 5.138
Construction
Pendidikan
10. 313.017 - -
Education
Pengadaan Listrik, Gas, Uap/Air
Panas dan Udara Dingin
11. - - -
Procurement of Electricity, Gas,
Steam/Hot Water and Cold Air
Pengangkutan dan Pergudangan
12. 76.630 11.040 -
Transportation and Warehousing
Penyediaan Akomodasi dan
Penyediaan Makan Minum
13. 1.241.939 18.432 8.218
Provision of Accommodation, Food,
and Beverages
Perdagangan Besar dan Eceran;
Reparasi dan Perawatan Mobil dan
14. Sepeda Motor 867.293 133.861 70.073
Retail and Trade; Repair and
Maintenance of Cars and Motorcycle
Pertambangan dan Penggalian
15. 368.276 - -
Mining and Quarrying
Pertanian, Kehutanan, dan Perikanan
16. 51.202 - -
Agriculture, Forestry, and Fishing
Real Estat
17. 1.208.590 102.904 28.017
Real Estate
Rumah Tangga
18. 953.891 52.715 41.564
Household
Jumlah
13.601.746 367.714 224.181
Total
Laporan Tahunan dan Laporan Keberlanjutan
410 2025
Annual Report and Sustainability Report
Page 413
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
Cadangan Kerugian Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai Penurunan Nilai Penurunan Nilai
Tagihan yang
(CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3
Dihapus Buku
Allowance for Allowance for Allowance for
Written-off Claims
Impairment Losses Impairment Losses Impairment Losses
(CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3
(6) (7) (8) (9)
31 Desember 2024
December 31, 2024
701 - 634 67.594
- 7.875 - -
16.292 - - -
204 - - -
3 - - -
3.523 11 19.135 -
25 - - -
- - - -
8.599 3.270 1.057 -
509 - - -
- - - -
113 311 - -
4.080 1.500 4.138 -
14.851 20.352 32.754 -
606 - - -
- - - -
1.569 533 - -
23.840 4.993 36.162 523.082
74.915 38.845 93.880 590.676
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 411
Page 414
TATA KELOLA PERUSAHAAN
Corporate Governance
PENGUNGKAPAN RINCIAN MUTASI CADANGAN KERUGIAN PENURUNAN NILAI -
BANK SECARA INDIVIDUAL
Disclosure of Movements of Allowance for Impairment Losses - Bank Only
31 Desember 2025
December 31, 2025
No. Keterangan
Stage 1 Stage 2 Stage 3
(1) (2) (3) (4) (5)
1. Saldo Awal CKPN 74.915 38.846 93.879
Pembentukan (Pemulihan) CKPN pada Periode Berjalan (Net) 29.239 19.860 41.149
2. 2.a Pembentukan CKPN pada Periode Berjalan - 19.860 41.149
2.b Pemulihan CKPN pada Periode Berjalan 29.239 - -
CKPN yang Digunakan untuk Melakukan Hapus Buku atas
3. - - -
Tagihan pada Periode Berjalan
4. Pembentukan (Pemulihan) Lainnya pada Periode Berjalan - - -
Saldo Akhir CKPN 45.676 58.706 135.028
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN KATEGORI PORTOFOLIO DAN SKALA
PERINGKAT - BANK SECARA INDIVIDUAL
Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only
31 Desember 2025
December 31, 2025
Tagihan Bersih
Net Receivable
Lembaga Pemeringkat
Rating Company
Peringkat Jangka Panjang
Long-Term Ratings
Standard and Poor’s AAA AA+ - AA- A+ - A- BBB+ - BBB-
Fitch Ratings AAA AA+ - AA- A+ - A- BBB+ BBB-
Kategori Portofolio
No.
Portfolio Category
Moody’s Aaa Aa1 - Aa3 A1 - A3 Baa1 - Baa3
PT Fitch Ratings AA+(idn) - A+(idn) - BBB+(idn) -
AAA(idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
PT Pemeringkat Efek idBBB+ - idBBB+ -
idAAA idAA+ - idAA-
Indonesia idBBB- idBBB-
(1) (2) (3) (4) (5) (6) (7)
Tagihan kepada Pemerintah
1. - - - - -
Receivables on Sovereigns
Tagihan kepada Entitas Sektor
Publik
2. - - - - -
Receivables on Public Sector
Entities
Laporan Tahunan dan Laporan Keberlanjutan
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PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Description
Stage 1 Stage 2 Stage 3
(6) (7) (8) (2)
83.577 9.137 124.607 Beginning Balance - CKPN
8.662 29.709 30.728 Additional/Reversal CKPN during the Year (Net)
- 29.709 - 2.a Additional CKPN during the Year
8.662 - 30.728 2.b Reversal CKPN during the Year
- - - CKPN Used for Written-off Receivables during the Year
- - - Other Additional (Reversal) of Allowance during the Year
74.915 38.846 93.879 Ending Balance - Allowance for Impairment Loss
(dalam Rp Juta / in Rp Million)
31 Desember 2025
December 31, 2025
Tagihan Bersih
Net Receivable
Peringkat Jangka Panjang Peringkat Jangka Pendek
Long-Term Ratings Short-Term Ratings
Kurang Kurang
BB+ - BB- B+ - B- dari B- A-1 A-2 A-3 dari A-3
Below B- Below A-3
Kurang Kurang
BB+ - BB- B+ - B- dari B- F1+F1 F2 F3 dari F3
Below B- Below F3
Kurang Kurang Tanpa
Jumlah
Ba1 - Ba3 B1 - B3 dari B3 P-1 P-2 P-3 dari P-3 Peringkat
Total
Below B3 Below P-3 Unrated
Kurang dari Kurang
BB+(idn) - B+(idn) - B-(idn) F1+(idn) - dari F3(idn)
F2(idn) F3(idn)
BB-(idn) B-(idn) Below F1(idn) Below B
B-(idn) F3(idn)
Kurang
Kurang dari
dari idA3 -
idBB+ - B-(idn)
idB+ - idB- idA1 idA2 idA3 - idA4 idA4
idBB- Below
Below B
B-(idn)
idA3 - idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - 2.239.716 2.239.716
- - - - - - - - -
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 413
Page 416
TATA KELOLA PERUSAHAAN
Corporate Governance
31 Desember 2025
December 31, 2025
Tagihan Bersih
Net Receivable
Lembaga Pemeringkat
Rating Company
Peringkat Jangka Panjang
Long-Term Ratings
Standard and Poor’s AAA AA+ - AA- A+ - A- BBB+ - BBB-
Fitch Ratings AAA AA+ - AA- A+ - A- BBB+ BBB-
Kategori Portofolio
No.
Portfolio Category
Moody’s Aaa Aa1 - Aa3 A1 - A3 Baa1 - Baa3
PT Fitch Ratings AA+(idn) - A+(idn) - BBB+(idn) -
AAA(idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
PT Pemeringkat Efek idBBB+ - idBBB+ -
idAAA idAA+ - idAA-
Indonesia idBBB- idBBB-
(1) (2) (3) (4) (5) (6) (7)
Tagihan kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
3. - - - - -
Receivables on Multilateral
Development Banks
and International Institutions
Tagihan kepada Bank
4. - 400.960 - - -
Receivables on Banks
Kredit Beragun Rumah Tinggal
5. Loans Secured by Residential - - - - -
Property
Kredit Beragun Properti
Komersial
6. - - - - -
Loans Secured by Commercial
Real Estate
Tagihan kepada Perusahaan Efek
dan Lembaga Jasa Keuangan
Lainnya
7. - 528.690 75.389 249.858 17.640
Receivables from Securities
Companies and Other Financial
Services Institutions
Kredit Pegawai/Pensiunan
8. - - - - -
Employee/Retired Loans
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
9. - - - - -
Receivables on Micro, Small
Business, and Retail Portfolio
Tagihan kepada Korporasi
10. - - - - -
Receivables on Corporate
Tagihan yang Telah Jatuh Tempo
11. - - - - -
Past Due Receivables
Aset Lainnya
12. - - - - -
Other Assets
Jumlah
- 929.650 75.389 249.858 17.640
Total
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414 2025
Annual Report and Sustainability Report
Page 417
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2025
December 31, 2025
Tagihan Bersih
Net Receivable
Peringkat Jangka Panjang Peringkat Jangka Pendek
Long-Term Ratings Short-Term Ratings
Kurang Kurang
BB+ - BB- B+ - B- dari B- A-1 A-2 A-3 dari A-3
Below B- Below A-3
Kurang Kurang
BB+ - BB- B+ - B- dari B- F1+F1 F2 F3 dari F3
Below B- Below F3
Kurang Kurang Tanpa
Jumlah
Ba1 - Ba3 B1 - B3 dari B3 P-1 P-2 P-3 dari P-3 Peringkat
Total
Below B3 Below P-3 Unrated
Kurang dari Kurang
BB+(idn) - B+(idn) - B-(idn) F1+(idn) - dari F3(idn)
F2(idn) F3(idn)
BB-(idn) B-(idn) Below F1(idn) Below B
B-(idn) F3(idn)
Kurang
Kurang dari
dari idA3 -
idBB+ - B-(idn)
idB+ - idB- idA1 idA2 idA3 - idA4 idA4
idBB- Below
Below B
B-(idn)
idA3 - idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - - -
- - - - - - - 211.281 612.241
- - - - - - - 227.782 227.782
- - - - - - - 536.946 536.946
- - - - - - - 805.754 1.677.331
- - - - - - - - -
- - - - - - - 1.074.170 1.074.170
- - - - - - - 6.933.091 6.933.091
- - - - - - - 128.101 128.101
- - - - - - - 214.788 214.788
- - - - - - - 12.371.629 13.644.166
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 415
Page 418
TATA KELOLA PERUSAHAAN
Corporate Governance
31 Desember 2024
December 31, 2024
Tagihan Bersih
Net Receivable
Lembaga Pemeringkat
Rating Company
Peringkat Jangka Panjang
Long-Term Ratings
Standard and Poor’s AAA AA+ - AA- A+ - A- BBB+ - BBB-
Fitch Ratings AAA AA+ - AA- A+ - A- BBB+ BBB-
Kategori Portofolio
No.
Portfolio Category
Moody’s Aaa Aa1 - Aa3 A1 - A3 Baa1 - Baa3
PT Fitch Ratings AA+(idn) - A+(idn) - BBB+(idn) -
AAA(idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
PT Pemeringkat Efek idBBB+ - idBBB+ -
idAAA idAA+ - idAA-
Indonesia idBBB- idBBB-
(1) (2) (3) (4) (5) (6) (7)
Tagihan kepada Pemerintah
1. - - - - -
Receivables on Sovereigns
Tagihan kepada Entitas Sektor
Publik
2. - - - - -
Receivables on Public Sector
Entities
Tagihan kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
3. - - - - -
Receivables on Multilateral
Development Banks and
International Institutions
Tagihan kepada Bank
4. - 190.370 75.018 - 108
Receivables on Banks
Kredit Beragun Rumah Tinggal
5. Loans Secured by Residential - - - - -
Property
Kredit Beragun Properti
Komersial
6. - - - - -
Loans Secured by Commercial
Real Estate
Tagihan kepada Perusahaan Efek
dan Lembaga Jasa Keuangan
Lainnya
7. - 667.418 226.629 525.512 -
Receivables from Securities
Companies and Other Financial
Services Institutions
Kredit Pegawai/Pensiunan
8. - - - - -
Employee/Retired Loans
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio Ritel
9. - - - - -
Receivables on Micro, Small
Business, and Retail Portfolio
Laporan Tahunan dan Laporan Keberlanjutan
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Annual Report and Sustainability Report
Page 419
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Tagihan Bersih
Net Receivable
Peringkat Jangka Panjang Peringkat Jangka Pendek
Long-Term Ratings Short-Term Ratings
Kurang Kurang
BB+ - BB- B+ - B- dari B- A-1 A-2 A-3 dari A-3
Below B- Below A-3
Kurang Kurang
BB+ - BB- B+ - B- dari B- F1+F1 F2 F3 dari F3
Below B- Below F3
Kurang Kurang Tanpa
Jumlah
Ba1 - Ba3 B1 - B3 dari B3 P-1 P-2 P-3 dari P-3 Peringkat
Total
Below B3 Below P-3 Unrated
Kurang dari Kurang
BB+(idn) - B+(idn) - B-(idn) F1+(idn) - dari F3(idn)
F2(idn) F3(idn)
BB-(idn) B-(idn) Below F1(idn) Below B
B-(idn) F3(idn)
Kurang
Kurang dari
dari idA3 -
idBB+ - B-(idn)
idB+ - idB- idA1 idA2 idA3 - idA4 idA4
idBB- Below
Below B
B-(idn)
idA3 - idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - 2.196.209 2.196.209
- - - - - - - - -
- - - - - - - - -
- - - - - - - 328.254 593.750
- - - - - - - 320.739 320.739
- - - - - - - 382.623 382.623
- - - - - - - 422.524 1.842.083
- - - - - - - - -
- - - - - - - 1.044.910 1.044.910
Laporan Tahunan dan Laporan Keberlanjutan
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2025 417
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TATA KELOLA PERUSAHAAN
Corporate Governance
31 Desember 2024
December 31, 2024
Tagihan Bersih
Net Receivable
Lembaga Pemeringkat
Rating Company
Peringkat Jangka Panjang
Long-Term Ratings
Standard and Poor’s AAA AA+ - AA- A+ - A- BBB+ - BBB-
Fitch Ratings AAA AA+ - AA- A+ - A- BBB+ BBB-
Kategori Portofolio
No.
Portfolio Category
Moody’s Aaa Aa1 - Aa3 A1 - A3 Baa1 - Baa3
PT Fitch Ratings AA+(idn) - A+(idn) - BBB+(idn) -
AAA(idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
PT Pemeringkat Efek idBBB+ - idBBB+ -
idAAA idAA+ - idAA-
Indonesia idBBB- idBBB-
(1) (2) (3) (4) (5) (6) (7)
Tagihan kepada Korporasi
10. - - - - -
Receivables on Corporate
Tagihan yang Telah Jatuh Tempo
11. - - - - -
Past Due Receivables
Aset Lainnya
12. - - - - -
Other Assets
Jumlah
- 857.788 301.647 525.512 108
Total
Laporan Tahunan dan Laporan Keberlanjutan
418 2025
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Page 421
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Tagihan Bersih
Net Receivable
Peringkat Jangka Panjang Peringkat Jangka Pendek
Long-Term Ratings Short-Term Ratings
Kurang Kurang
BB+ - BB- B+ - B- dari B- A-1 A-2 A-3 dari A-3
Below B- Below A-3
Kurang Kurang
BB+ - BB- B+ - B- dari B- F1+F1 F2 F3 dari F3
Below B- Below F3
Kurang Kurang Tanpa
Jumlah
Ba1 - Ba3 B1 - B3 dari B3 P-1 P-2 P-3 dari P-3 Peringkat
Total
Below B3 Below P-3 Unrated
Kurang dari Kurang
BB+(idn) - B+(idn) - B-(idn) F1+(idn) - dari F3(idn)
F2(idn) F3(idn)
BB-(idn) B-(idn) Below F1(idn) Below B
B-(idn) F3(idn)
Kurang
Kurang dari
dari idA3 -
idBB+ - B-(idn)
idB+ - idB- idA1 idA2 idA3 - idA4 idA4
idBB- Below
Below B
B-(idn)
idA3 - idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - 6.701.277 6.701.277
- - - - - - - 130.301 130.301
- - - - - - - 257.129 257.129
- - - - - - - 11.783.966 13.469.021
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2025 419
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TATA KELOLA PERUSAHAAN
Corporate Governance
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN BOBOT RISIKO SETELAH
MEMPERHITUNGKAN DAMPAK MITIGASI RISIKO KREDIT - BANK SECARA INDIVIDUAL
Disclosure of Net Receivables by Risk Weight After Taking into Account the Impact of Credit Risk
Mitigation - Bank Only
31 Desember 2025
December 31, 2025
Kategori
Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portfolio Net Receivables After Taking into Account the Impact of Credit Risk Mitigation
Category
Lainnya
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150%
Other
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Eksposur Laporan Posisi Keuangan
A. Balance Sheet Exposures
Tagihan kepada
Pemerintah
1. 2.217.969 - - - - - - - - - - -
Receivables on
Sovereigns
Tagihan kepada
Entitas Sektor Publik
2. - - - - - - - - - - - -
Receivables on
Public Sector Entities
Tagihan kepada Bank
Pembangunan
Multilateral dan
Lembaga
Internasional
3. - - - - - - - - - - - -
Receivables
on Multilateral
Development Banks
and International
Institutions
Tagihan kepada Bank
4. Receivables on 25 - 400.960 - 181.131 - - - - - - -
Banks
Kredit Beragun
Rumah Tinggal
5. - - - 220.393 - - - - - - - -
Loans Secured by
Residential Property
Kredit Beragun
Properti Komersial
6. Loans Secured - - - - - - - 344.426 185.310 - - -
by Commercial
Real Estate
Tagihan kepada
Perusahaan Efek
dan Lembaga Jasa
Keuangan Lainnya
7. Receivables from - - 604.079 249.857 726.911 - 17.640 - - - - -
Securities
Companies and
Other Financial
Services Institutions
Kredit Pegawai/
Pensiunan
8. - - - - - - - - - - - -
Employee/Retired
Loans
Tagihan kepada
Usaha Mikro,
Usaha Kecil, dan
Portofolio Ritel
9. 62 - - - - - - 1.008.162 - - - -
Receivables on
Micro, Small
Business, and
Retail Portfolio
Tagihan kepada
Korporasi
10. 440 - - - - - - - - 6.399.886 - -
Receivables on
Corporate
Tagihan yang Telah
Jatuh Tempo
11. - - - - - - 9.441 - - 105.824 12.836 -
Past Due
Receivables
Aset Lainnya
12. 21.783 - - - - - - - - 181.610 11.396 -
Other Assets
Jumlah Eksposur Laporan
Posisi Keuangan
2.240.279 - 1.005.039 470.250 908.042 - 27.081 1.352.588 185.310 6.687.320 24.232 -
Total Exposure - Balance
Sheet
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PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 December 2024
December 31, 2024
Beban Beban
ATMR Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
RWA Capital Net Receivables After Taking into Account the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
Lainnya
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150%
Other
(15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27) (28) (29) (30)
- - 2.072.578 - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
152.644 13.738 34.144 - 265.496 - 257.575 - - - - - - - 156.129 14.255
65.217 5.870 - - - 278.119 - - - - - - - - 83.436 7.618
407.877 36.709 - - - - - - - - 309.948 - - - 278.953 25.468
495.357 44.582 - - 845.569 536.444 234.546 - - - - - - - 423.865 38.699
- - - - - - - - - - - - - - - -
756.122 68.051 50.828 - - - - - - 925.948 - - - - 694.461 63.404
6.399.886 575.990 330.634 - - - - - - - - 5.276.688 - - 5.276.688 481.762
129.798 11.682 - - - - - - 7.434 - - 108.657 14.210 - 133.689 12.206
198.704 17.883 - - - - - - - - - 190.503 43.504 - 255.759 23.351
8.605.605 774.505 2.488.184 - 1.111.065 814.563 492.121 - 7.434 925.948 309.948 5.575.848 57.714 - 7.302.980 666.763
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TATA KELOLA PERUSAHAAN
Corporate Governance
31 Desember 2025
December 31, 2025
Kategori
Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portfolio Net Receivables After Taking into Account the Impact of Credit Risk Mitigation
Category
Lainnya
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150%
Other
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
B.
Contingent/Commitment Liability Exposure on Administrative Account Transactions
Tagihan kepada
Pemerintah
1. - - - - - - - - - - - -
Receivables on
Sovereigns
Tagihan kepada
Entitas Sektor
Publik
2. - - - - - - - - - - - -
Receivables on
Public Sector
Entities
Tagihan kepada
Bank Pembangunan
Multilateral
dan Lembaga
Internasional
3. - - - - - - - - - - - -
Receivables
on Multilateral
Development Banks
and International
Institutions
Tagihan kepada
Bank
4. - - - - 5.358 - - - - - - -
Receivables on
Banks
Kredit Beragun
Rumah Tinggal
5. - - - 7.388 - - - - - - - -
Loans Secured by
Residential Property
Kredit Beragun
Properti Komersial
6. Loans Secured - - - - - - - 2.632 4.578 - - -
by Commercial
Real Estate
Tagihan kepada
Perusahaan Efek
dan Lembaga Jasa
Keuangan Lainnya
7. Receivables - - - - 78.844 - - - - - - -
from Securities
Companies and
Other Financial
Services
Institutions
Kredit Pegawai/
Pensiunan
8. - - - - - - - - - - - -
Employee/Retired
Loans
Tagihan kepada
Usaha Mikro,
Usaha Kecil, dan
Portofolio Ritel
9. - - - - - - - 3.600 - - - -
Receivables on
Micro, Small
Business, and
Retail Portfolio
Tagihan kepada
Korporasi
10. - - - - - - - - - 92.878 - -
Receivables on
Corporate
Tagihan yang Telah
Jatuh Tempo
11. - - - - - - - - - - - -
Past Due
Receivables
Jumlah Eksposur Transaksi
Rekening Administratif
Total Exposures - - - - 7.388 84.202 - - 6.232 4.578 92.878 - -
Administrative Account
Transactions
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PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 December 2024
December 31, 2024
Beban Beban
ATMR Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
RWA Capital Net Receivables After Taking into Account the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
Lainnya
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150%
Other
(15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27) (28) (29) (30)
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
2.143 193 - - - - 3.654 - - - - - - - 1.461 131
2.184 197 - - - 4.262 - - - - - - - - 1.279 115
5.964 537 - - - - - - - - 7.268 - - - 6.541 589
31.539 - - - 5.000 - 17.552 - - - - - - - 8.021 -
- - - - - - - - - - - - - - - -
2.700 243 - - - - - - - 6.813 - - - - 5.110 460
92.878 8.359 - - - - - - - - - 109.396 - - 109.396 9.846
- - - - - - - - - - - - - - - -
137.408 9.529 - - 5.000 4.262 21.206 - - 6.813 7.268 109.396 - - 131.808 11.141
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TATA KELOLA PERUSAHAAN
Corporate Governance
31 Desember 2025
December 31, 2025
Kategori
Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portfolio Net Receivables After Taking into Account the Impact of Credit Risk Mitigation
Category
Lainnya
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150%
Other
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Eksposur Risiko Kredit Akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
C.
Counterparty Credit Risk Exposures
Tagihan kepada
Pemerintah
1. 21.747 - - - - - - - - - - -
Receivables on
Sovereigns
Tagihan kepada
Entitas Sektor
Publik
2. - - - - - - - - - - - -
Receivables on
Public Sector
Entities
Tagihan kepada
Bank Pembangunan
Multilateral
dan Lembaga
Internasional
3. - - - - - - - - - - - -
Receivables
on Multilateral
Development Banks
and International
Institutions
Tagihan kepada
Bank
4. - - - - - - - - - - - -
Receivables on
Banks
Tagihan kepada
Usaha Mikro,
Usaha Kecil, dan
Portofolio Ritel
5. - - - - - - - - - - - -
Receivables on
Micro, Small
Business, and
Retail Portfolio
Tagihan kepada
Korporasi
6. - - - - - - - - - - - -
Receivables on
Corporate
Tagihan kepada
Perusahaan Efek
dan Lembaga Jasa
Keuangan Lainnya
7. Receivables - - - - - - - - - - - -
from Securities
Companies and
Other Financial
Services
Institutions
Jumlah Eksposur Risiko
Kredit Akibat Kegagalan
Pihak Lawan
(Counterparty Credit Risk) 21.747 - - - - - - - - - - -
Total Exposures
Counterparty Credit Risk
Laporan Tahunan dan Laporan Keberlanjutan
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Annual Report and Sustainability Report
Page 427
PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 December 2024
December 31, 2024
Beban Beban
ATMR Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
RWA Capital Net Receivables After Taking into Account the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
Lainnya
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150%
Other
(15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27) (28) (29) (30)
- - 123.630 - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - -
- - 123.630 - - - - - - - - - - - - -
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 425
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TATA KELOLA PERUSAHAAN
Corporate Governance
PENGUNGKAPAN TAGIHAN BERSIH DAN TEKNIK MITIGASI RISIKO KREDIT -
BANK SECARA INDIVIDUAL
Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only
31 Desember 2025
31 Desember 2025
Bagian yang Dijamin dengan
Kategori Bagian
No. Tagihan Secured Portion with
Portofolio yang Tidak
Bersih
Dijamin
Net Asuransi Kredit
Agunan Garansi Lainnya Unsecured
Receivables Credit
Collateral Guarantee Others Portion
Insurance
(8) = (3) -
(1) (2) (3) (4) (5) (6) (7) [(4) + (5) +
(6) + (7)]
Eksposur Laporan Posisi Keuangan
A.
Balance Sheet Exposures
Tagihan kepada
1. 2.217.969 - - - - 2.217.969
Pemerintah
Tagihan kepada
2. Entitas Sektor - - - - - -
Publik
Tagihan
kepada Bank
Pembangunan
3. - - - - - -
Multilateral
dan Lembaga
Internasional
Tagihan kepada
4. 606.883 24.792 - - - 582.091
Bank
Kredit Beragun
5. 220.393 - - - - 220.393
Rumah Tinggal
Kredit Beragun
6. 529.736 - - - - 529.736
Properti Komersial
Tagihan kepada
Perusahaan Efek
7. 1.598.487 - - - - 1.598.487
dan Lembaga Jasa
Keuangan Lainnya
Kredit Pegawai/
8. - - - - - -
Pensiunan
Tagihan kepada
Usaha Mikro,
9. 1.070.569 62.407 - - - 1.008.162
Usaha Kecil, dan
Portofolio Ritel
Tagihan kepada
10. 6.840.213 440.327 - - - 6.399.886
Korporasi
Tagihan yang
11. 128.101 - - - - 128.101
Telah Jatuh Tempo
12. Aset Lainnya 214.789 - - - - 214.789
Jumlah Eksposur Laporan
13.427.140 527.526 - - - 12.899.614
Posisi Keuangan
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426 2025
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PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Bagian yang Dijamin dengan
Bagian
Tagihan Secured Portion with Portfolio Category
yang Tidak
Bersih
Dijamin
Net Asuransi Kredit
Agunan Garansi Lainnya Unsecured
Receivables Credit
Collateral Guarantee Others Portion
Insurance
(14) = (9) -
(9) (10) (11) (12) (13) [(10) + (11) + (2)
(12) + (13)]
2.072.578 - - - - 2.072.578 Receivables on Sovereigns
Receivables on Public
- - - - - -
Sector Entities
Receivables on Multilateral
- - - - - - Development Banks and
International Institutions
557.215 - - - - 557.215 Receivables on Banks
Loans Secured by
278.119 - - - - 278.119
Residential Property
Loans Secured by
309.947 - - - - 309.947 Commercial
Real Estate
Receivables from
Securities Companies
1.616.559 - - - - 1.616.559
and Other Financial
Services Institutions
- - - - - - Employee/Retired Loans
Receivables on Micro,
976.776 50.828 - - - 925.948 Small Business, and Retail
Portfolio
5.607.322 330.634 - - 5.276.688 Receivables on Corporate
130.301 - - - - 130.301 Past Due Receivables
257.129 - - - - 257.129 Other Assets
Total Exposure - Balance
11.805.946 381.462 - - - 11.424.484
Sheet
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 427
Page 430
TATA KELOLA PERUSAHAAN
Corporate Governance
31 Desember 2025
31 Desember 2025
Bagian yang Dijamin dengan
Kategori Bagian
No. Tagihan Secured Portion with
Portofolio yang Tidak
Bersih
Dijamin
Net Asuransi Kredit
Agunan Garansi Lainnya Unsecured
Receivables Credit
Collateral Guarantee Others Portion
Insurance
(8) = (3) -
(1) (2) (3) (4) (5) (6) (7) [(4) + (5) +
(6) + (7)]
Eksposur Transaksi Rekening Administratif
B.
Administrative Account Transaction Exposure
Tagihan kepada
1. - - - - - -
Pemerintah
Tagihan kepada
2. Entitas Sektor - - - - - -
Publik
Tagihan
kepada Bank
Pembangunan
3. - - - - - -
Multilateral
dan Lembaga
Internasional
Tagihan kepada
4. 5.358 - - - - 5.358
Bank
Kredit Beragun
5. 7.389 - - - - 7.389
Rumah Tinggal
Kredit Beragun
6. 7.210 - - - - 7.210
Properti Komersial
Tagihan kepada
Perusahaan Efek
7. 78.844 - - - - 78.844
dan Lembaga Jasa
Keuangan Lainnya
Kredit Pegawai/
8. - - - - - -
Pensiunan
Tagihan kepada
Usaha Mikro,
9. 3.600 - - - - 3.600
Usaha Kecil, dan
Portofolio Ritel
Tagihan kepada
10. 92.878 - - - - 92.878
Korporasi
Tagihan yang
11. - - - - - -
Telah Jatuh Tempo
Jumlah Eksposur
Transaksi Rekening 195.279 - - - - 195.279
Administratif
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PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Bagian yang Dijamin dengan
Bagian
Tagihan Secured Portion with Portfolio Category
yang Tidak
Bersih
Dijamin
Net Asuransi Kredit
Agunan Garansi Lainnya Unsecured
Receivables Credit
Collateral Guarantee Others Portion
Insurance
(14) = (9) -
(9) (10) (11) (12) (13) [(10) + (11) + (2)
(12) + (13)]
- - - - - - Receivables on Sovereigns
Receivables on Public
- - - - - -
Sector Entities
Receivables on Multilateral
- - - - - - Development Banks and
International Institutions
3.654 - - - - 3.654 Receivables on Banks
Loans Secured by
4.262 - - - - 4.262
Residential Property
Loans Secured by
7.268 - - - - 7.268 Commercial
Real Estate
Receivables from
Securities Companies
22.552 - - - - 22.552
and Other Financial
Services Institutions
- - - - - - Employee/Retired Loans
Receivables on Micro,
6.813 - - - - 6.813 Small Business, and Retail
Portfolio
109.396 - - - - 109.396 Receivables on Corporate
- - - - - - Past Due Receivables
Total Exposures -
153.945 - - - - 153.945 Administrative Account
Transactions
Laporan Tahunan dan Laporan Keberlanjutan
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2025 429
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TATA KELOLA PERUSAHAAN
Corporate Governance
31 Desember 2025
31 Desember 2025
Bagian yang Dijamin dengan
Kategori Bagian
No. Tagihan Secured Portion with
Portofolio yang Tidak
Bersih
Dijamin
Net Asuransi Kredit
Agunan Garansi Lainnya Unsecured
Receivables Credit
Collateral Guarantee Others Portion
Insurance
(8) = (3) -
(1) (2) (3) (4) (5) (6) (7) [(4) + (5) +
(6) + (7)]
Eksposur Risiko Kredit Akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
C.
Counterparty Credit Risk Exposures
Tagihan kepada
1. 21.747 - - - - 21.747
Pemerintah
Tagihan kepada
2. Entitas Sektor - - - - - -
Publik
Tagihan
kepada Bank
Pembangunan
3. - - - - - -
Multilateral
dan Lembaga
Internasional
Tagihan kepada
4. - - - - - -
Bank
Tagihan kepada
Usaha Mikro,
5. - - - - - -
Usaha Kecil dan
Portofolio Ritel
Tagihan kepada
6. - - - - - -
Korporasi
Tagihan kepada
Perusahaan Efek
7. - - - - - -
dan Lembaga Jasa
Keuangan Lainnya
Jumlah Eksposur Risiko
Kredit Akibat Kegagalan
21.747 - - - - 21.747
Pihak Lawan (Counterparty
Credit Risk)
Jumlah (A+B+C) 13.644.166 527.526 - - - 13.116.640
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PT Bank Oke Indonesia, Tbk.
(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Bagian yang Dijamin dengan
Bagian
Tagihan Secured Portion with Portfolio Category
yang Tidak
Bersih
Dijamin
Net Asuransi Kredit
Agunan Garansi Lainnya Unsecured
Receivables Credit
Collateral Guarantee Others Portion
Insurance
(14) = (9) -
(9) (10) (11) (12) (13) [(10) + (11) + (2)
(12) + (13)]
123.630 - - - - 123.630 Receivables on Sovereigns
Receivables on Public
- - - - - -
Sector Entities
Receivables on Multilateral
- - - - - - Development Banks and
International Institutions
- - - - - - Receivables on Banks
Receivables to Micro,
- - - - - -
Small, and Retail Portfolios
Receivables to
- - - - - -
Corporations
Receivables from
Securities Companies and
- - - - - -
Other Financial Services
Institutions
Total Exposures
123.630 - - - - 123.630
Counterparty Credit Risk
12.083.521 381.462 - - - 11.702.059 Total (A+B+C)
Laporan Tahunan dan Laporan Keberlanjutan
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2025 431
Page 434
TATA KELOLA PERUSAHAAN
Corporate Governance
PENGUNGKAPAN PERHITUNGAN ATMR RISIKO KREDIT DENGAN MENGGUNAKAN
PENDEKATAN STANDAR - BANK SECARA KONSOLIDASI DENGAN PERUSAHAAN ANAK*
Disclosure of Credit Risk RWA Calculation Using Standardized Approach - Bank on a Consolidated
Basis with Subsidiaries*
EKSPOSUR ASET DI LAPORAN POSISI KEUANGAN, KECUALI EKSPOSUR SEKURITISASI
Disclosure of Balance Sheets, Except Securitization Exposure
31 Desember 2025
December 31, 2025
No. Kategori Portofolio
ATMR Sebelum
Tagihan Bersih ATMR Setelah MRK
MRK
Net Receivables RWA After CRM
RWA Before CRM
1. Tagihan kepada Pemerintah - - -
a. Tagihan kepada Pemerintah Indonesia 2.217.969 - -
b. Tagihan kepada Pemerintah Negara Lain - - -
2. Tagihan kepada Entitas Sektor Publik - - -
3. Tagihan kepada Bank Pembangunan Multilateral dan
- - -
Lembaga Internasional
4. Tagihan kepada Bank - - -
a. Tagihan Jangka Pendek 297 59 59
b. Tagihan Jangka Panjang 606.586 162.502 152.585
5. Kredit Beragun Rumah Tinggal 220.393 65.217 65.217
6. Kredit Beragun Properti Komersial 529.736 407.877 407.877
7. Tagihan kepada Perusahaan Efek dan Lembaga Jasa
1.598.487 495.357 495.357
Keuangan Lainnya
8. Kredit Pegawai/Pensiunan - - -
9. Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio
1.070.569 802.927 756.122
Ritel
10. Tagihan kepada Korporasi 6.840.213 6.840.213 6.399.886
11. Tagihan yang Telah Jatuh Tempo - - -
a. Kredit Beragun Properti Rumah Tinggal yang Tidak
37.253 90.848 90.848
Bergantung dari Arus Kas Properti
b. Eksposur Lainnya 90.848 38.951 38.951
12. Aset Lainnya - - -
a. Uang Tunai, Emas, dan Commemorative Coin 21.783 - -
b. Penyertaan (Selain yang Menjadi Faktor Pengurang
- - -
Modal)
1) Penyertaan Modal Sementara dalam Rangka
- - -
Restrukturisasi Kredit
2) Penyertaan kepada Perusahaan Keuangan yang
- - -
Tidak Terdaftar di Bursa
3) Penyertaan kepada Perusahaan Keuangan yang
- - -
Terdaftar di Bursa
c. Aset Tetap dan Inventaris Neto 134.173 - 134.173
d. Agunan yang Diambil Alih (AYDA) 11.396 - 17.094
e. Antar Kantor Neto - - -
f. Lainnya 47.437 - 47.437
Jumlah 13.427.140 8.903.951 8.605.606
* OK BANK tidak memiliki perusahaan anak, sehingga data yang disajikan adalah data individual bank. / OK Bank does not have subsidiaries, so the data presented is
individual bank data.
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(dalam Rp Juta / in Rp Million)
31 Desember 2024
December 31, 2024
Portfolio Category
Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK
Net Receivables RWA Before CRM RWA After CRM
- - - Receivables on Sovereigns
2.072.579 - - a. Receivables on the Governance of Indonesia
- - - b. Receivables on Government of Other Countries
- - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - -
International Institutions
- - - Receivables on Banks
265.496 53.099 53.099 a. Short-Term Receivables
291.719 116.688 103.030 b. Long-Term Receivables
278.119 83.436 83.436 Loans Secured by Residential Property
309.947 278.952 278.952 Loans Secured by Commercial Real Estate
Receivables from Securities Companies and Other
1.616.559 423.865 423.865
Financial Services Institutions
- - - Employee/Retired Loans
Receivables on Micro, Small Business, and Retail
976.776 732.582 694.462
Portfolio
5.607.322 5.607.322 5.276.688 Receivables on Corporate
- - - Past Due Receivables
Residential Property-Backed Loans That Do Not
50.220 80.081 80.081
Depend on Property Cash Flow
80.081 53.608 53.608 Other Exposures
- - - Other Assets
23.122 - - a. Cash, Gold, and Commemorative Coins
- - - b. Investments (Other Than Those Reduced by Capital)
1) Temporary Capital Investment in the Context of
- - -
Credit Restructuring
2) Investments in Financial Companies Not Listed on
- - -
Exchanges
3) Investments in Exchange-Listed Financial
- - -
Companies
143.894 - 143.894 c. Fixed Assets and Inventory
43.504 - 65.256 d. Foreclosed Collateral
- - - e. Inter-Office Net
46.609 - 46.609 f. Others
11.805.947 7.429.633 7.302.980 Total
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Laporan
Keberlanjutan
Sustainability Report
OK BANK menunjukkan komitmen yang berkelanjutan
terhadap penerapan prinsip tanggung jawab sosial dan
lingkungan melalui berbagai inisiatif strategis. Sepanjang
periode pelaporan, OK BANK telah melaksanakan kegiatan
CSR yang berfokus pada pemberdayaan masyarakat serta
mengimplementasikan program literasi dan inklusi keuangan
guna meningkatkan pemahaman dan akses layanan perbankan
bagi berbagai lapisan masyarakat. Di sisi operasional, OK BANK
juga secara konsisten menerapkan upaya penghematan energi
dan air, pengelolaan limbah dan efluen, serta penghematan
penggunaan kertas melalui optimalisasi proses kerja yang
lebih efisien dan berkelanjutan. Seluruh inisiatif tersebut
mencerminkan komitmen OK BANK dalam mendukung
pembangunan berkelanjutan yang seimbang antara aspek
ekonomi, sosial, dan lingkungan.
OK BANK demonstrates a continuous commitment to
the implementation of social and environmental responsibility
principles through various strategic initiatives. During the
reporting period, OK BANK had carried out CSR activities
focused on community empowerment and implemented
financial literacy and inclusion programs to enhance
understanding of and access to banking services across
diverse segments of society. In terms of operation, OK BANK
consistently implemented energy and water conservation
efforts, managed waste and effluents, and reduced paper usage
by optimizing work process to be more efficient and sustainable.
All these initiatives reflect OK BANK’s commitment to
supporting sustainable development that balances economic,
social, and environmental aspects.
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LAPORAN KEBERLANJUTAN
Sustainability report
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Kinerja Ekonomi [POJK B.1]
Economic Performance
PINJAMAN YANG DIBERIKAN PENDAPATAN BUNGA - BERSIH
Loans Net Interest Income
10.734.810
9.300.154
8.257.881
688.876
(dalam jutaan Rupiah) (dalam jutaan Rupiah) 603.360 601.419
(in millions of Rupiah) (in millions of Rupiah)
2023 2024 2025 2023 2024 2025
LABA BERSIH TAHUN BERJALAN
Net Profit for the Year
(dalam jutaan Rupiah)
28.652 49.988 159.975
(in millions of Rupiah)
2023 2024 2025
EKSPOSUR KREDIT RAMAH LINGKUNGAN
Eco-Credit Exposure
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
Pengelolaan Sumber Daya Alam Hayati dan Sustainable Management of Biological
396.308 459.156 524.765
Penggunaan Lahan yang Berkelanjutan Natural Resources and Land Use
Konservasi Keanekaragaman Hayati Darat Conservation of Terrestrial and Aquatic
586.995 506.167 564.725
dan Air Biodiversity
Kegiatan Usaha yang Berwawasan Other Environmentally Friendly Business
431 1.266 2.396
Lingkungan Lainnya Activities
Jumlah Pembiayaan Ramah Lingkungan 983.734 966.590 1.091.885 Total Eco-Financing
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PORTOFOLIO KREDIT UMKM
MSME Loans Portfolio
(dalam jutaan Rupiah / in million Rupiah)
Uraian 2025 2024 2023 Description
Portofolio Kredit UMKM 699.426 663.351 739.026 MSME Loan Portfolio
Persentase Portofolio UMKM terhadap
6,52 7,13 8,67 Percentage MSME Portfolio to Total Loans
Jumlah Kredit
Kinerja Sosial [POJK B.3]
Social Performance
KOMPOSISI KARYAWAN MENURUT GENDER
Employee Composition by Gender
(dalam %)
(in %)
49,85 48,62 47,26
2025 2024 2023
50,15 51,38 52,74
Pria / Male Wanita / Female
REALISASI INVESTASI SOSIAL KEMASYARAKATAN
Realization of Social Community Investment
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
Bantuan Sosial/Kesehatan 125,38 17,68 21,65 Social/Health Assistance
Pembangunan Sarana/Prasarana - - - Construction of Facilities/Infrastructure
Pendidikan/Beasiswa - 220,00 220,00 Education/Scholarship
Bantuan untuk Korban Bencana - - - Assistance for Disaster Victims
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LAPORAN KEBERLANJUTAN
Sustainability report
Kinerja Lingkungan [POJK B.2]
Environmental Performance
KONSUMSI BAHAN BAKAR PEMAKAIAN LISTRIK
Fuel Consumption Electricity Usage
5.832
4.359
3.587 3.764
2.452
1.794
(Gigajoules) (Gigajoules)
2023 2024 2025 2023 2024 2025
JUMLAH KONSUMSI ENERGI
Total Energy Consumption
9.419
8.123
4.246
(Gigajoules)
2023 2024 2025
CAKUPAN 1 - EMISI CAKUPAN 2 - EMISI
Scope 1 - Emissions Scope 2 - Emissions
936,48 982,74
640,18
415,57
307,03
126,33
(Ton CO2eq) (Ton CO2eq)
2023 2024 2025 2023 2024 2025
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JUMLAH EMISI INTENSITAS KONSUMSI ENERGI
Total Emissions Energy Consumption Intensity
1.352,05 1,37
1.289,77
1,00
766,51
0,46
(Ton CO2eq) (Gigajoules/m2)
2023 2024 2025 2023 2024 2025
INTENSITAS EMISI
Emissions Intensity
0,217
0,144
0,083
(Gigajoules/m )
2
2023 2024 2025
PEMAKAIAN AIR PENGGUNAAN KERTAS
Water Usage Paper Usage
5.603 1.871 1.912
5.075
4.266
1.000
(Rim)
(m3) (Ream)
2023 2024 2025 2023 2024 2025
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Strategi Pencapaian Tujuan Keberlanjutan
Strategy to Achieve Sustainability Goals
Sasaran Pembangunan Berkelanjutan Global-Scale Sustainable Development Goals
Skala Global
Seluruh negara di dunia telah menyepakati komitmen bersama All countries in the world have agreed on a joint commitment
untuk mewujudkan pembangunan yang adil, inklusif, dan to achieve fair, inclusive, and sustainable development through
berkelanjutan melalui Sustainable Development Goals (SDGs). the Sustainable Development Goals (SDGs). This global
Kesepakatan global ini lahir dari kesadaran bahwa tantangan agreement stems from the recognition that development
pembangunan, mulai dari kemiskinan, ketimpangan sosial, challenges, starting from poverty and social inequality
hingga degradasi lingkungan, bersifat multidimensional dan to environmental degradation, are multidimensional and
saling terkait, sehingga tidak dapat diselesaikan secara parsial. interconnected, and therefore cannot be addressed in isolation.
Oleh karena itu, SDGs dirancang sebagai kerangka pembangunan Therefore, the SDGs are designed as a global development
global yang menempatkan keberlanjutan sebagai fondasi utama framework that places sustainability at the core, ensuring
dalam menjaga keseimbangan antara pertumbuhan ekonomi, a balance between economic growth, social well-being, and
kesejahteraan sosial, dan kelestarian lingkungan. environmental preservation.
SDGs mencakup 17 (tujuh belas) tujuan global yang The SDGs consist of 17 (seventeen) global goals representing
merepresentasikan berbagai dimensi pembangunan, termasuk various dimensions of development, including poverty
pengentasan kemiskinan, peningkatan kualitas pendidikan dan alleviation, improvements in education and health quality,
kesehatan, kesetaraan gender, penciptaan pertumbuhan ekonomi gender equality, inclusive economic growth, and environmental
yang inklusif, serta perlindungan lingkungan hidup. Implementasi protection. The implementation of these goals is carried out
tujuan-tujuan tersebut dilaksanakan dalam kerangka waktu 2016 within the 2016–2030 timeframe, providing strategic direction
hingga 2030, sehingga memberikan arah strategis dan target and measurable targets for countries in formulating national
yang terukur bagi negara-negara dalam menyusun kebijakan policies and development plans. This timeframe also allows for
dan rencana pembangunan nasional. Kerangka waktu ini juga policy adjustments in response to evolving social, economic,
memungkinkan penyesuaian kebijakan terhadap dinamika sosial, and environmental dynamics.
ekonomi, dan lingkungan yang terus berkembang.
Salah satu isu yang berkembang terkait SDGs adalah One emerging issue related to the SDGs is addressing
penanganan dampak perubahan iklim. Dalam konteks ini, the impacts of climate change. In this context, achieving
pencapaian target terkait dengan iklim juga memerlukan kerja climate-related targets also requires international cooperation,
sama internasional, seperti Conference of the Parties (COP) such as the Conference of the Parties (COP) organized under
yang diselenggarakan di bawah koordinasi United Nations the United Nations Framework Convention on Climate Change.
Framework Convention on Climate Change. Forum ini menjadi This forum serves as a strategic platform for countries to
wadah strategis bagi negara-negara untuk merumuskan formulate collective actions, evaluate achievements, and
langkah kolektif, mengevaluasi capaian, serta memperkuat strengthen commitments to climate change mitigation and
komitmen dalam upaya mitigasi dan adaptasi perubahan iklim. adaptation. Through this forum, cross-country collaboration
Melalui forum tersebut, kolaborasi lintas negara didorong agar is encouraged to ensure that SDG targets, particularly
pencapaian target SDGs, khususnya yang berkaitan dengan those related to climate action, are achieved in a more
aksi iklim, dapat dilakukan secara lebih terarah dan efektif. focused and effective manner.
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Sebagai bagian dari komunitas global, Indonesia turut As part of the global community, Indonesia has also
menunjukkan komitmennya dalam mendukung pencapaian SDGs demonstrated its commitment to supporting the achievement
melalui berbagai kebijakan nasional, termasuk pengendalian dan of the SDGs through various national policies, including
penurunan emisi Gas Rumah Kaca (GRK). Pemerintah Indonesia controlling and reducing Greenhouse Gas (GHG) emissions.
menyusun Rencana Aksi Nasional (RAN) yang dikoordinasikan The Indonesian government has developed a National Action
oleh Badan Perencanaan Pembangunan Nasional sebagai Plan (RAN) coordinated by the National Development Planning
instrumen utama dalam pengelolaan dan pengendalian emisi. Agency as the primary instrument for managing and controlling
Melalui RAN tersebut, Indonesia menargetkan penurunan emissions. Through this RAN, Indonesia targets a 29% reduction
emisi GRK sebesar 29% dengan upaya mandiri dan hingga in GHG emissions through independent efforts and up to 41%
41% dengan dukungan kerja sama internasional pada tahun with international cooperation support by 2030, representing
2030, sebagai wujud kontribusi nyata dalam mendukung a tangible contribution to sustainable development while
agenda pembangunan berkelanjutan sekaligus menjaga preserving the environment for future generations.
kelestarian lingkungan bagi generasi mendatang.
Strategi Pencapaian Tujuan Keberlanjutan Strategy to Achieve Sustainability Goals
[POJK A.1] [POJK A.1]
Sejalan dengan agenda pembangunan berkelanjutan global In line with the global sustainable development agenda
dan komitmen nasional dalam pencapaian SDGs, OK BANK and the national commitment to achieving the SDGs,
mengintegrasikan prinsip keberlanjutan ke dalam strategi OK BANK integrates sustainability principles into its
dan pengelolaan bisnis. Pendekatan ini mencerminkan peran business strategy and management. This approach reflects
OK BANK sebagai bagian dari sistem keuangan nasional yang OK BANK’s role as part of the national financial system,
tidak hanya berorientasi pada kinerja ekonomi, tetapi juga which is not only oriented toward economic performance
pada penciptaan nilai jangka panjang bagi masyarakat dan but also toward creating long-term value for society and
lingkungan. the environment.
Dalam mewujudkan komitmen tersebut, OK BANK merancang To realize this commitment, OK BANK designs and
dan mengimplementasikan strategi pencapaian tujuan implements a structured and integrated strategy for
keberlanjutan secara terstruktur dan terintegrasi melalui achieving sustainability goals through medium- and
perencanaan bisnis jangka menengah dan jangka pendek, short-term business planning, articulated in a 5 (five)-year
yang dituangkan dalam Rencana Aksi Keuangan Berkelanjutan Sustainable Finance Action Plan (RAKB) and an annual RAKB.
(RAKB) 5 (lima) tahunan dan RAKB tahunan. RAKB 5 (lima) The 5 (five)-year RAKB serves as a strategic framework that
tahunan berfungsi sebagai kerangka strategis yang sets policy direction, medium-term targets, and priorities
menetapkan arah kebijakan, sasaran jangka menengah, serta for OK BANK’s sustainable finance development, while
prioritas pengembangan keuangan berkelanjutan OK BANK, the annual RAKB functions as an operational guideline
sementara RAKB tahunan menjadi pedoman operasional yang ensuring that the strategy is implemented in a measured,
memastikan pelaksanaan strategi dilakukan secara terukur, consistent, and continuous manner.
konsisten, dan berkesinambungan.
Melalui penerapan RAKB tersebut, OK BANK memastikan bahwa Through the implementation of these RAKBs, OK BANK
seluruh kebijakan, program, dan kegiatan operasional OK BANK ensures that all policies, programs, and operational activities
selaras dengan prinsip keberlanjutan yang mencakup aspek are aligned with sustainability principles encompassing
ekonomi, sosial, dan lingkungan. Integrasi keberlanjutan dalam economic, social, and environmental aspects. Integrating
perencanaan bisnis ini menjadi fondasi bagi OK BANK dalam sustainability into business planning forms the foundation
mengelola risiko dan peluang, mendukung pertumbuhan usaha for OK BANK to manage risks and opportunities, support
yang bertanggung jawab, serta memberikan kontribusi nyata responsible business growth, and contribute meaningfully to
terhadap pencapaian agenda pembangunan berkelanjutan di the achievement of sustainable development agendas at both
tingkat nasional maupun global. national and global levels.
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Sustainability report
Visi dan Misi Keberlanjutan OK BANK Sustainability Vision and Mission of OK BANK
[POJK C.1] [POJK C.1]
Visi dan Misi Keberlanjutan OK BANK diarahkan untuk OK BANK’s Sustainability Vision and Mission are targeted to
mewujudkan pertumbuhan usaha yang sehat, bertanggung achieve sound, responsible, and sustainable business growth
jawab, dan berkelanjutan dengan mengintegrasikan prinsip by integrating sustainability principles into all business
keberlanjutan ke dalam seluruh aktivitas bisnis. Melalui activities. Through this Sustainability Vision, OK BANK is
Visi Keberlanjutan tersebut, OK BANK berkomitmen untuk committed to creating long-term value for stakeholders
menciptakan nilai jangka panjang bagi pemangku kepentingan by balancing economic performance, social responsibility,
dengan menyeimbangkan kinerja ekonomi, kepedulian sosial, and environmental stewardship. Meanwhile, OK BANK’s
dan tanggung jawab terhadap lingkungan. Sementara itu, Misi Sustainability Mission is realized through the implementation
Keberlanjutan OK BANK diwujudkan melalui penerapan praktik of prudent banking practices, the development of products and
perbankan yang prudent, pengembangan produk dan layanan services that support sustainable financing, the strengthening
yang mendukung pembiayaan berkelanjutan, penguatan GCG, of GCG, and the enhancement of positive contributions to
serta peningkatan kontribusi positif terhadap masyarakat dan society and the environment, in line with regulations and
lingkungan, sejalan dengan regulasi dan arah pembangunan the direction of national sustainable development.
berkelanjutan nasional.
Visi
Vision
“Menjadi Bank pilihan utama dalam keunggulan pelayanan dalam keuangan berkelanjutan”.
“To become the preferred Bank in delivering excellent services in sustainable finance”.
Misi
Mission
• Memberikan manfaat yang besar bagi para pelaku usaha Mikro, Kecil, dan Menengah
(UMKM).
• Meningkatkan efisiensi aktivitas operasional serta mendukung pemberdayaan lingkungan.
• Menciptakan produk dan/atau jasa perbankan dalam keuangan berkelanjutan.
• Providing significant benefits for Micro, Small, and Medium Enterprises (MSMEs).
• Enhancing operational efficiency and supporting environmental empowerment.
• Creating banking products and/or services in sustainable finance.
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Roadmap Rencana Aksi Keuangan Roadmap of the Sustainable Finance Action
Berkelanjutan Plan
Penerapan Aksi Keuangan Berkelanjutan OK BANK dibagi ke The implementation of OK BANK’s Sustainable Finance Actions
dalam 4 (empat) tahap sebagaimana diuraikan berikut: is divided into 4 (four) stages, as outlined below:
2025
2024 - 2028 2029
2027
Tahap Implementasi Lanjutan Tahap Implementasi Lanjutan Tahap Implementasi Penuh Tahap Implementasi Penuh
Advanced Implementation Advanced Implementation Full Implementation Full Implementation
Phase Phase Phase Phase
Target Pencapaian Melanjutkan dan
Mendukung Produk Mengembangkan Produk Visi dan Misi Keuangan Mengembangkan Kegiatan
Pembiayaan Berkelanjutan. Pembiayaan Berkelanjutan. Berkelanjutan. Berkelanjutan.
Supporting Sustainable Expanding Sustainable Achievement Target of Continuing and
Finance Products. Finance Products. Sustainable Finance Vision Expanding Sustainable
and Mission. Activities.
TAHAPAN IMPLEMENTASI KEUANGAN BERKELANJUTAN 2025-2029
Implementation Stage of Sustainable Finance in 2025-2029
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No.
Year Priority Activity Target Success Indicator
1. 2025 Peningkatan portofolio UMKM sebagai dukungan Portofolio UMKM memenuhi ketentuan minimal regulator seiring
kepada pemulihan ekonomi rakyat. pertumbuhan kredit OK BANK.
Increasing MSME portfolio as a form of support for The MSME portfolio complies with the minimum regulatory
people’s economic recovery. requirements in line with the OK BANK’s credit growth.
Mempertahankan dan meningkatkan penyaluran Pertumbuhan portofolio penyaluran dan pada perusahaan yang
dana kepada perusahaan yang memiliki sertifikat memiliki kategori kegiatan usaha berkelanjutan.
dalam pengolahan maupun konservasi lingkungan.
Maintaining and increasing fund distribution to Growth in the portfolio of fund distribution to companies categorized
companies that hold certifications in environmental under sustainable business activities.
management and conservation.
Meningkatkan portofolio penyimpanan dana yang Pertumbuhan portofolio penghimpunan dana.
memiliki kriteria kegiatan usaha berkelanjutan.
Expanding the portfolio of fund placement in Growth in the fund-raising portfolio.
business activities that meet sustainable business
criteria.
Penyesuaian klasifikasi kegiatan usaha OK BANK. Disesuaikannya klasifikasi kegiatan usaha OK BANK sesuai keuangan
berkelanjutan.
Adjusting the classification of the OK BANK’s Adjustment of the OK BANK’s business activity classification in
business activities. accordance with sustainable finance principles.
Desain, pengembangan, dan inovasi produk Diluncurkannya 1 (satu) produk dan/atau jasa keuangan berkelanjutan.
dan/atau jasa keuangan berkelanjutan.
Designing, developing, and innovating sustainable Launching of 1 (one) sustainable finance product and/or service.
finance products and/or services.
Pelaksanaan edukasi internal dan bekerja sama • Sebanyak minimal 25% (dua puluh lima persen) dari total pengurus
dengan berbagai pihak eksternal, seperti regulator dan pejabat eksekutif OK BANK telah mengikuti training lingkungan
dan lembaga/instansi terkait lainnya. hidup tingkat dasar atau pelatihan sejenis lainnya.
• Peningkatan kompetensi karyawan Satuan Kerja Aksi Keuangan
Berkelanjutan.
Conducting internal education and collaborating • At least 25% (twenty-five percent) of the OK BANK’s management
with various external parties, such as regulators and and executive officers have attended basic environmental training
other related institutions/agencies. or other similar training programs.
• Enhancement of the competencies of employees of the Sustainable
Finance Action Work Unit.
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No.
Year Priority Activity Target Success Indicator
1. 2025 Pelaksanaan edukasi internal dan bekerja sama • Melakukan pelatihan kepada minimal 20% (dua puluh persen) dari
dengan berbagai pihak eksternal, seperti regulator total karyawan analis kredit dan tim bisnis tentang penyaluran
dan lembaga/instansi terkait lainnya. kredit berkelanjutan.
• Pelatihan penyusunan Laporan Keberlanjutan kepada Divisi
Corporate Planning, Compliance, Risk Management, dan Corporate
Secretary masing-masing 1 (satu) orang.
• Pelatihan taksonomi hijau kepada Divisi Corporate Planning,
Compliance, Corporate Secretary, dan Risk Management.
• Terlaksananya kampanye efisiensi dan peduli lingkungan kepada
karyawan.
• Terbitnya 1 (satu) newsletter kepada seluruh karyawan tentang aksi
keuangan keberlanjutan.
Conducting internal education and collaborating • Conducting training for at least 20% (twenty percent) of total credit
with various external parties, such as regulators and analysts and business team employees on sustainable lending.
other related institutions/agencies. • Providing Sustainability Report preparation training to 1 (one)
employee each from the Corporate Planning, Compliance, Risk
Management, and Corporate Secretary Divisions.
• Providing Green taxonomy training to the Corporate Planning,
Compliance, Corporate Secretary, and Risk Management Divisions.
• Implementation of efficiency and environmental awareness
campaigns for employees.
• Publication of 1 (one) newsletter on sustainable finance actions for
all employees.
Implementasi target dan lokasi dana TJSL Realisasi TJSL kepada kategori usaha keuangan berkelanjutan sebanyak
20% (dua puluh persen) dari total realisasi dana CSR OK BANK.
Implementation of targets and allocation of funds Realization of CSR to sustainable finance business categories
for CSR programs. amounting to 20% (twenty percent) of the total CSR fund realization
of the OK BANK.
Pengembangan SDM untuk mengelola fungsi • Peningkatan kompetensi (lanjutan) karyawan Satuan Kerja
keuangan berkelanjutan. Keuangan Berkelanjutan.
• Melakukan pelatihan kepada minimal 40% (empat puluh persen)
dari total karyawan analis kredit dan tim bisnis tentang penyaluran
kredit berkelanjutan.
HR development to manage the sustainable finance • Competency development (advanced) for employees of
function. the Sustainable Finance Work Unit.
• Conducting training for at least 40% (forty percent) of total credit
analyst employees and business teams on sustainable lending.
Pelaksanaan review dan penyesuaian PP terkait. • Review dan penyesuaian PP Risk Management.
• Review dan penyesuaian PP unit lainnya.
Implementation of policy review and adjustment of • Review and adjustment of the Government Regulation (PP) on
related PP. Risk Management.
• Review and adjustment of the Government Regulation (PP) on
other units.
Implementasi pilot project TKBI dan pengembangan • Pemantauan dan Pembaruan lanjutan kolom kategori hijau pada MIS.
sistem MIS. • Seluruh debitur dapat diklasifikasi menurut kategori (hijau, kuning,
dan merah).
Implementation of a pilot project for TKBI and MIS • Advanced monitoring and updating of the green category column in
system development. the MIS.
• All debtors are classified according to category (green, yellow,
and red).
Peningkatan kerja sama dengan UMKM dalam Terdapat minimal 1 (satu) vendor kategori UMKM yang bekerja sama
kegiatan operasional OK BANK. dalam bentuk kegiatan operasional maupun kegiatan bisnis OK BANK
lainnya.
Strengthening cooperation with MSMEs in At least 1 (one) MSME vendor engaged in operational activities or
the OK BANK’s operational activities. other OK BANK business activities.
Persiapan pedoman internal yang mendukung Terbentuknya kerangka pedoman.
praktik ramah lingkungan dalam seluruh kegiatan
operasional OK BANK.
Preparation of internal guidelines to support Establishment of a guideline framework.
environmentally friendly practices in all of
the OK BANK’s operational activities.
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No.
Year Priority Activity Target Success Indicator
2. 2026 Penyusunan pedoman internal yang mendukung Disusunya 1 (satu) pedoman internal terkait praktik ramah lingkungan
praktik ramah lingkungan dalam kegiatan dalam kegiatan operasional OK BANK.
operasional OK BANK.
Preparation of internal guidelines to support Preparation of 1 (one) internal guideline related to environmentally
environmentally friendly practices in the OK BANK’s friendly practices in the OK BANK’s operational activities.
operational activities.
Penyesuaian klasifikasi kegiatan usaha OK BANK. Disesuaikannya klasifikasi kegiatan usaha OK BANK sesuai keuangan
berkelanjutan.
Adjustment of the OK BANK’s business activity Adjustment of the OK BANK’s business activity classifications in
classifications. accordance with sustainable finance.
Desain, pengembangan, dan inovasi produk Diluncurkannya 1 (satu) sampai 2 (dua) produk dan/atau jasa
dan/atau jasa keuangan berkelanjutan. keuangan berkelanjutan.
Design, development, and innovation of sustainable Launching of 1 (one) to 2 (two) sustainable financial products
financial products and/or services. and/or services.
Insisiasi portofolio produk dan/atau jasa keuangan Pertumbuhan kinerja produk keuangan berkelanjutan 10% (sepuluh
berkelanjutan. persen).
Initiation of a portfolio of sustainable financial 10% (ten percent) growth in the performance of sustainable financial
products and/or services. products.
Pengembangan SDM tingkat lanjutan. • Peningkatan kompetensi (lanjutan) karyawan Satuan Kerja
Keuangan Berkelanjutan.
• Melakukan pelatihan kepada minimal 20% (dua puluh persen) dari
total karyawan analis kredit dan tim bisnis tentang penyaluran
kredit berkelanjutan.
Advanced HR development. • Competency development (advanced) for employees in
the Sustainable Finance Working Unit.
• Conducting training for at least 20% (twenty percent) of the total
credit analyst employees and business team on sustainable lending.
3. 2027 Desain, pengembangan, dan inovasi produk Diluncurkannya 1 (satu) sampai 2 (dua) produk dan/atau jasa
dan/atau jasa keuangan berkelanjutan. keuangan berkelanjutan.
Design, development, and innovation of sustainable Launching of 1 (one) to 2 (two) sustainable financial products
financial products and/or services. and/or services.
Inisiasi portofolio produk dan/atau jasa keuangan Pertumbuhan kinerja produk keuangan berkelanjutan sebesar 20%
berkelanjutan. (dua puluh persen).
Initiation of a portfolio of sustainable financial 20% (twenty percent) growth in the performance of sustainable
products and/or services. financial products.
Pengembangan SDM tingkat lanjutan. • Peningkatan kompetensi (lanjutan) karyawan Satuan Kerja
Keuangan Berkelanjutan.
• Melakukan pelatihan kepada minimal 60% (enam puluh persen)
dari total karyawan analis kredit dan tim bisnis tentang penyaluran
kredit berkelanjutan.
Advanced HR development. • Competency development (advanced) for employees in
the Sustainable Finance Working Unit.
• Conducting training for at least 60% (sixty percent) of the total credit
analyst employees and business team on sustainable lending.
Pelaksanaan edukasi nasabah terkait produk Pembuatan media komunikasi produk dan/atau jasa keuangan
dan/atau jasa keuangan berkelanjutan. berkelanjutan.
Implementation of customer education on Development of communication media for sustainable financial
sustainable financial products and/or services. products and/or services.
Menumbuhkan portofolio kategori keberlanjutan. Portofolio keberlanjutan meningkat.
Developing the sustainability category portfolio. Growth in sustainability portfolio.
4. 2028 Pengembangan portofolio produk dan/atau jasa Dilakukannya pengembangan produk dan/atau jasa keuangan
keuangan berkelanjutan. berkelanjutan.
Development of sustainable finance product and/ or Developing sustainable finance products and/or services.
service portfolio.
Penyusunan sistem pengawasan dan pelaporan Diluncurkannya sistem pengawasan dan pelaporan penerapan
penerapan keuangan berkelanjutan. keuangan berkelanjutan.
Formulation of a monitoring and reporting system Launching of a monitoring and reporting system for sustainable
for the implementation of sustainable finance. finance implementation.
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LAPORAN KEBERLANJUTAN
Sustainability report
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No.
Year Priority Activity Target Success Indicator
4. 2028 Penyusunan sistem pengelolaan bisnis yang Diluncurkannya sistem pengelolaan bisnis yang terintegrasi antara
terintegrasi antara komponen lingkungan hidup, komponen lingkungan hidup, sosial, dan tata kelola dalam pengelolaan
sosial, dan tata kelola dalam pengelolaan risiko. risiko.
Development of a business management system Launching of a business management system integrated with
integrated with environmental, social, and governance environmental, social, and governance components in risk management.
components in risk management.
Pengembangan SDM tingkat lanjutan. • Peningkatan kompetensi (lanjutan) karyawan Satuan Kerja
Keuangan Berkelanjutan.
• Melakukan pelatihan kepada minimal 70% (tujuh puluh persen)
dari total karyawan analis kredit dan tim bisnis tentang penyaluran
kredit berkelanjutan.
Advanced HR development. • Competency development (advanced) for employees in
the Sustainable Finance Work Unit.
• Conducting training for at least 70% (seventy percent) of total credit
analysts and business team employees on sustainable lending
practices.
5. 2029 Melanjutkan dan mengembangkan pelaksanaan Seluruh kegiatan bisnis dan operasional OK BANK telah memenuhi
dan kegiatan keuangan berkelanjutan. prinsip keberlanjutan.
Continuing and enhancing the implementation and All of the OK BANK’s business and operational activities have complied
activities of sustainable finance. with sustainability principles.
Realisasi RAKB 2025 2025 RAKB Realization
Pada tahun 2025, OK BANK memprioritaskan pelaksanaan In 2025, OK BANK prioritized the implementation of various
berbagai inisiatif keuangan berkelanjutan yang telah ditetapkan sustainable finance initiatives outlined in the RAKB as part of
dalam RAKB sebagai bagian dari komitmen terhadap its commitment to responsible and sustainable development.
pembangunan yang bertanggung jawab dan berkelanjutan. The realization of the 2025 RAKB reflects OK BANK’s efforts
Realisasi RAKB 2025 mencerminkan upaya OK BANK dalam to implement policies and strategic plans into concrete,
mengimplementasikan kebijakan dan perencanaan strategis measurable operational steps that are aligned with daily
ke dalam langkah-langkah operasional yang konkret, terukur, business activities.
dan selaras dengan aktivitas bisnis sehari-hari.
Melalui pelaksanaan program dan kegiatan tersebut, OK BANK Through the execution of these programs and activities,
secara konsisten mengintegrasikan prinsip keberlanjutan OK BANK consistently integrates sustainability principles into
ke dalam proses bisnis dan pengambilan keputusan, serta business processes and decision-making, while fostering
mendorong terciptanya nilai tambah yang berimbang pada aspek the creation of balanced value across economic, social,
ekonomi, sosial, dan lingkungan. Pendekatan ini menegaskan and environmental dimensions. This approach underscores
peran OK BANK dalam mendukung pertumbuhan usaha yang OK BANK’s role in supporting sustainable business growth
berkelanjutan sekaligus memberikan kontribusi positif bagi while making a positive contribution to stakeholders and
pemangku kepentingan dan masyarakat secara luas. the wider community.
Realisasi
Realization
Kategori Kegiatan
Uraian Usaha Berkelanjutan Keterangan
No. Desember 2025
Description Category of Sustainable Description
jutaan Rupiah
Business Activities
December 2025
million Rupiah
1. Penghimpunan Dana yang Memenuhi Kriteria Kegiatan Usaha Berkelanjutan Rencana tabungan dan
Fund Raising that Meets the Criteria of Sustainable Business Activities tabungan bisnis yang
diperuntukkan bagi pelaku
UMKM serta perorangan untuk
pengelolaan keuangan yang
205.942 lebih baik.
Savings plans and business
savings intended for MSMEs
and individuals to support
better financial management.
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Realisasi
Realization
Kategori Kegiatan
Uraian Usaha Berkelanjutan Keterangan
No. Desember 2025
Description Category of Sustainable Description
jutaan Rupiah
Business Activities
December 2025
million Rupiah
2. Penyaluran Dana: Energi Terbarukan
Kredit/Pembiayaan Kegiatan Usaha Renewable Energy
Berkelanjutan
Efisiensi Energi
Fund Disbursement: Energy Efficiency
Loans/Financing of Sustainable
Business Activities Pencegahan dan Pengendalian Polusi
Pollution Prevention and Control
2. Penyaluran Dana: Pengelolaan Sumber Daya Alam Penyaluran kredit kepada
Kredit/Pembiayaan Kegiatan Usaha Hayati dan Penggunaan Lahan yang perusahaan yang memiliki
Berkelanjutan Berkelanjutan penghargaan dan/atau
Fund Disbursement: Sustainable Management of Biological sertifikasi pengelolaan lahan
Loans/Financing of Sustainable Natural Resources and Land Use 396.308 berkelanjutan.
Business Activities Lending to companies that
have received awards and/or
certifications for sustainable
land management.
Konservasi Keanekaragaman Hayati Penyaluran kredit kepada
Darat dan Air perusahaan yang memiliki
Conservation of Terrestrial and Aquatic penghargaan dan/atau
Biodiversity sertifikasi konservasi
586.995 lingkungan.
Lending to companies that
have received awards and/or
certifications for environmental
conservation.
Transportasi Ramah Lingkungan
Environmentally Friendly Transportation
Pengelolaan Air dan Air Limbah yang Berkelanjutan
Sustainable Water and Wastewater Management
Adaptasi Perubahan Iklim
Climate Change Adaptation
Produk yang Dapat Mengurangi Penggunaan Sumber Daya dan Menghasilkan Lebih Sedikit
Polusi (Eco-efficient)
Products that Reduce Resource Use and Generate Less Pollution (Eco-efficient)
Bangunan Berwawasan Lingkungan yang Memenuhi Standar atau Sertifikasi yang Diakui secara
Nasional, Regional, atau Internasional
Environmentally Friendly Buildings that Meet National, Regional, or Internationally Recognized
Standards, or Certifications
Kegiatan Usaha dan/atau Kegiatan Pembiayaan retail terhadap
Lain yang Berwawasan Lingkungan merchant yang mendukung
Lainnya kegiatan berwawasan
431 lingkungan.
Other Environmentally Friendly Business
Activities and/or Initiatives Retail financing for merchants
that support environmentally
sustainable activities.
Kegiatan UMKM Penyaluran kredit kepada
MSME Activities pelaku bisnis UMKM.
699.426
Lending to MSME business
actors.
3. Penyaluran Dana: Non-Kredit/Non-Pembiayaan Kegiatan Usaha Berkelanjutan
Fund Disbursement: Non-Credit/Financing of Sustainable Business Activities
4. Total Kredit/Pembiayaan OK BANK Keseluruhan total penyaluran
Total OK BANK Loans/ Financing kredit Bank.
9.983.344
The Bank’s total overall loan
disbursement.
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LAPORAN KEBERLANJUTAN
Sustainability report
OK BANK mengimplementasikan prinsip keberlanjutan melalui OK BANK implements sustainability principles through
pelaksanaan RAKB yang menitikberatkan pada peningkatan the implementation of the RAKB, focusing on increasing
penyaluran kredit ke sektor pengelolaan Sumber Daya Alam credit distribution to the Natural Resource Management and
dan Konservasi Lingkungan. Selain itu, OK BANK juga secara Environmental Conservation sectors. In addition, OK BANK
konsisten mendukung pembiayaan kepada UMKM sebagai consistently supports financing for MSMEs as part of its
bagian dari komitmen untuk mendorong pertumbuhan commitment to promote inclusive economic growth and to
ekonomi yang inklusif dan memberikan dampak positif yang generate sustainable positive impacts on both the environment
berkelanjutan bagi lingkungan serta perekonomian. Pada and the economy. In 2026, OK BANK targets a 4%-5%
tahun 2026, OK BANK menargetkan pertumbuhan penyaluran increase in MSME lending disbursement compared to
kredit kepada UMKM naik sebesar 4%-5% dibandingkan the December 2025 target and the September 2025 realization.
dengan target Desember 2025 dan realisasi September 2025.
Kegiatan Membangun Budaya Keberlanjutan Building a Sustainability Culture [POJK E.2, F.1]
[POJK E.2, F.1]
Upaya membangun budaya keberlanjutan di OK BANK dilakukan Efforts to build a sustainability culture at OK BANK are carried
secara bertahap dan menyeluruh dengan menanamkan nilai- out gradually and comprehensively by instilling values of
nilai tanggung jawab dan kepedulian dalam lingkungan kerja responsibility and care within the daily work environment.
sehari-hari. Melalui berbagai kegiatan internal, OK BANK Through various internal activities, OK BANK encourages
mendorong peningkatan kesadaran dan pemahaman insan increased awareness and understanding among its employees
OK BANK terhadap pentingnya penerapan prinsip regarding the importance of applying sustainability principles
keberlanjutan dalam setiap peran dan fungsi. Pendekatan ini in every role and function. This approach is realized through
diwujudkan melalui penguatan kebijakan internal, komunikasi strengthening internal policies, continuous communication,
yang berkesinambungan, dan keterlibatan aktif karyawan and active employee engagement in supporting efficient,
dalam mendukung praktik kerja yang efisien, etis, dan ramah ethical, and environmentally friendly work practices, allowing
lingkungan, sehingga budaya keberlanjutan dapat tumbuh a sustainability culture to grow naturally and become
secara alami dan menjadi bagian dari identitas organisasi. an integral part of the organization’s identity.
Pelaksanaan Pelatihan dan Pengembangan Implementation of Sustainable Competency
Kompetensi Berkelanjutan Training and Development
Pelaksanaan pelatihan dan pengembangan kompetensi The implementation of sustainable training and competency
berkelanjutan diarahkan untuk memastikan kesiapan dan development is aimed at ensuring the readiness and
kapabilitas SDM dalam mendukung penerapan prinsip capabilities of HR in consistently supporting the application of
keberlanjutan secara konsisten. Melalui berbagai program sustainability principles. Through various learning programs,
pembelajaran, OK BANK berupaya meningkatkan pengetahuan, OK BANK attempts to enhance employees’ knowledge,
keterampilan, dan pemahaman karyawan terhadap aspek skills, and understanding of sustainability aspects relevant
keberlanjutan yang relevan dengan fungsi dan tanggung to their respective functions and responsibilities. This
jawab masing-masing. Inisiatif ini dilaksanakan secara initiative is carried out continuously as part of the strategy
berkesinambungan sebagai bagian dari strategi penguatan to strengthen the quality of OK BANK personnel, enabling
kualitas insan OK BANK, sehingga mampu berkontribusi them to contribute optimally in driving responsible, adaptive,
secara optimal dalam mendorong kinerja OK BANK yang and long-term–oriented performance. Information on
bertanggung jawab, adaptif, dan berorientasi jangka panjang. the sustainable training and competency development
Informasi mengenai pelatihan dan pengembangan kompetensi programs attended by OK BANK employees throughout 2025 is
berkelanjutan yang diikuti oleh karyawan OK BANK sepanjang outlined as follows:
tahun 2025 diuraikan sebagai berikut:
Peserta
OK BANK
Judul Pelatihan Penyelenggara Lokasi Tanggal (Orang)
Training Title Organizer Location Date Participant
of OK BANK
(People)
ESG Disclosures: Why and How Should Companies 18 Februari 2025
IDX Jakarta 1
Identify Nature-related Risks and Opportunities. February 18, 2025
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PT Bank Oke Indonesia, Tbk.
Peserta
OK BANK
Judul Pelatihan Penyelenggara Lokasi Tanggal (Orang)
Training Title Organizer Location Date Participant
of OK BANK
(People)
Sustainability Accounting and Reporting in the Financial 6 Maret 2025
OJK Jakarta 9
Services. March 6, 2025
Penjelasan Inisiatif mengenai Konsep IDX Green Equity
Designation. 21 Maret 2025
IDX Jakarta 3
Explanation of Initiatives on IDX Green Equity Designation March 21, 2025
Concept.
Urgensi Transparansi Keuangan Hijau pada Lembaga
Jasa Keuangan. 26 Mei 2025
OJK Jakarta 12
The Urgency of Green Financial Transparency in May 26, 2025
Financial Services Institutions.
Webinar Implementasi TKBI serta Rencana Digitalisasi
Laporan Keberlanjutan (SR) dan Rencana Aksi Keuangan
Berkelanjutan (RAKB). 23 Juni 2025
OJK Jakarta 2
Webinar on the Implementation of TKBI and June 23, 2025
the Digitalization Plan for Sustainability Reports (SR)
and Sustainable Finance Action Plans (RAKB).
Focus Group Discussion (FGD) Implementasi Taksonomi
untuk Keuangan Berkelanjutan Indonesia (TKBI) serta
Rencana Digitalisasi Laporan Keberlanjutan (SR) dan
Rencana Aksi Keuangan Berkelanjutan (RAKB). 23 Juni 2025
OJK Jakarta 6
Focus Group Discussion (FGD) on the Implementation June 23, 2025
of the Indonesian Sustainable Finance Taxonomy (TKBI)
and the Digitalization Plan for Sustainability Reports
(SR) and Sustainable Finance Action Plans (RAKB).
Aktivitas Implementasi Keuangan Berkelanjutan Sustainable Finance Activities
Sepanjang tahun 2025, OK BANK telah melaksanakan berbagai Throughout 2025, OK BANK had carried out various activities
kegiatan terkait implementasi Program-Program Keuangan related to the implementation of Sustainable Finance
Berkelanjutan sebagaimana diuraikan berikut: Programs, as outlined below:
1. Pelaksanaan edukasi internal bekerja sama dengan pihak 1. Implementation of internal education in collaboration with
eksternal, seperti regulator dan lembaga/instansi lainnya; external parties, such as regulators and other institutions/
agencies;
2. Penyusunan Pedoman Perusahaan Keuangan 2. Preparation of the Company’s Sustainable Finance
Berkelanjutan; Guidelines;
3. Pelaksanaan tanggung jawab sosial dan lingkungan; 3. Implementation of social and environmental responsibility;
4. Pelaksanaan program literasi dan inklusi keuangan; 4. Implementation of financial literacy and inclusion programs;
5. Pembentukan program productive financing untuk 5. Establishment of a productive financing program to
mempermudah akses pembiayaan UMKM; serta facilitate MSMEs’ access to financing; and
6. Realisasi keuangan berkelanjutan Bank tahun 2025 dan 6. Realization of the Bank’s sustainable finance in 2025 and
target tahun 2026. targets for 2026.
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LAPORAN KEBERLANJUTAN
Sustainability report
Tata Kelola Keberlanjutan
Governance of Sustainability
Tata kelola keberlanjutan di OK BANK dibangun melalui struktur Sustainability governance at OK BANK is built through a clear
dan mekanisme yang jelas guna memastikan penerapan structure and mechanisms to ensure that the application
prinsip keuangan berkelanjutan berjalan secara terarah, of sustainable finance principles is conducted in a focused,
terkoordinasi, dan akuntabel. Pendekatan ini dirancang untuk coordinated, and accountable manner. This approach is
mengintegrasikan aspek keberlanjutan ke dalam proses designed to integrate sustainability aspects into business
perencanaan, pengendalian, dan pengambilan keputusan planning, control, and decision-making processes, ensuring
bisnis, sehingga setiap inisiatif yang dijalankan selaras dengan that every initiative undertaken aligns with OK BANK’s
tujuan jangka panjang OK BANK dan ketentuan yang berlaku. long-term objectives and applicable provisions.
Dalam pelaksanaannya, OK BANK menugaskan Corporate In its implementation, OK BANK assigns the Corporate
Planning sebagai unit yang bertanggung jawab dalam Planning as the unit responsible for managing the Sustainable
pengelolaan Program Aksi Keuangan Berkelanjutan, dengan Finance Action Program, supported by the Finance and Risk
dukungan Divisi Finance dan Risk Management sebagai Management Divisions as strategic partners in monitoring
mitra strategis dalam memantau realisasi penyaluran kredit the realization of credit distribution to Sustainable Business
kepada Kegiatan Usaha Berkelanjutan. Untuk memperkuat Activities. To strengthen the implementation of sustainable
implementasi program dan aktivitas keuangan berkelanjutan, finance programs and activities, OK BANK has established
OK BANK membentuk tim pengelola aksi keuangan a cross-divisional Sustainable Finance Action Management
berkelanjutan yang bersifat lintas divisi, melibatkan Corporate Team, involving Corporate Planning, Finance, Risk Management,
Planning, Finance, Risk Management, Compliance, Human Compliance, Human Capital & Corporate Secretary, General
Capital & Corporate Secretary, General Affairs, and Marketing Affairs, and Marketing Communication (Marcomm), ensuring
Communication (Marcomm), sehingga koordinasi, pengawasan, that coordination, supervision, and program execution are
dan pelaksanaan program dapat dilakukan secara menyeluruh carried out comprehensively and continuously.
serta berkesinambungan.
Penanggung Jawab Pelaksanaan Program Responsible Party for the Implementation of
Keuangan Berkelanjutan [POJK E.1] Sustainable Finance Program [POJK E.1]
[GRI 2-9, 2-12, 2-13] [GRI 2-9, 2-12, 2-13]
Untuk memastikan pelaksanaan program keuangan In order to ensure that the sustainable finance program
berkelanjutan berjalan secara efektif dan terkoordinasi, OK BANK is implemented effectively and in a coordinated manner,
membentuk Tim Sustainability yang memiliki tanggung jawab OK BANK has established a Sustainability Team responsible for
dalam mengelola dan mengawasi implementasi Aksi Keuangan managing and overseeing the implementation of Sustainable
Berkelanjutan. Tim ini dipimpin oleh Corporate Planning Finance Actions. This team is led by Corporate Planning as
sebagai unit utama yang berperan dalam perencanaan dan the main unit responsible for program planning and control,
pengendalian program, dengan dukungan dari berbagai divisi supported by various relevant divisions, including Finance,
terkait, meliputi Divisi Finance, Risk Management, Compliance, Risk Management, Compliance, Human Capital & Corporate
Human Capital & Corporate Secretary, General Affairs, and Secretary, General Affairs, and Marketing Communication
Marketing Communication (Marcomm). Melalui kolaborasi (Marcomm). Through this cross-functional collaboration,
lintas fungsi tersebut, OK BANK memastikan bahwa setiap OK BANK ensures that every sustainability initiative is
inisiatif keberlanjutan dapat dijalankan secara terintegrasi, implemented in an integrated, measurable manner and aligned
terukur, dan selaras dengan kebijakan serta tujuan strategis OK with OK BANK’s policies and strategic objectives. More detailed
BANK. Informasi lebih lengkap mengenai unit kerja dan pejabat information regarding the work units and officers responsible
yang bertanggung jawab atas penerapan Aksi Keuangan for implementing Sustainable Finance Actions is outlined as
Berkelanjutan diuraikan sebagai berikut: follows:
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Pejabat Tugas dan Wewenang
Directorate Duties and Authorities
Bertanggung jawab terhadap Pengelolaan Program Aksi Keuangan Berkelanjutan OK BANK secara keseluruhan. Selain itu,
Direksi Direksi juga melakukan peninjauan dan persetujuan atas informasi yang disajikan dalam Laporan keberlanjutan OK BANK.
Board of Directors
[GRI 2-14]
Being responsible for the overall management of OK BANK’s Sustainable Finance Action Program. In addition, the Board of
Directors also reviews and approves the information presented in OK BANK’s Sustainability Report.
1. Bertanggung jawab terhadap Direksi terhadap Pengelolaan Program Aksi Keuangan Berkelanjutan OK BANK secara
keseluruhan.
2. Mengelola Program Aksi Keuangan Berkelanjutan di OK BANK.
3. Menyusun Rencana Aksi Keuangan Berkelanjutan OK BANK.
4. Memproyeksikan Pertumbuhan Penyaluran Kredit kepada Kegiatan Usaha Berkelanjutan.
Corporate Planning 5. Menyusun Laporan Keberlanjutan OK BANK.
[GRI 2-14]
1. Responsible to the Board of Directors for the overall management of the OK BANK’s Sustainable Finance Action Program.
2. Managing the Sustainable Finance Action Program at the OK BANK.
3. Preparing the OK BANK’s Sustainable Finance Action Plan.
4. Projecting the Growth of Credit Distribution to Sustainable Business Activities.
5. Preparing the OK BANK’s Sustainability Report.
1. Support Penyusunan Rencana Aksi Keuangan Berkelanjutan OK BANK.
2. Memonitor Pelaksanaan Aksi Keuangan Berkelanjutan di OK BANK.
3. Pelaporan Bulanan Realisasi Penyaluran Kredit kepada Kegiatan Usaha Kategori Berkelanjutan.
Finance
1. Supporting the preparation of the OK BANK’s Sustainable Finance Action Plan.
2. Monitoring the implementation of the Sustainable Finance Actions at the OK BANK.
3. Preparing monthly reports on the realization of credit distribution to Sustainable Business Category Activities.
1. Menyusun Pedoman Perusahaan Aksi Keuangan Berkelanjutan OK BANK.
2. Melakukan review dan rekomendasi terkait aspek kepatuhan terhadap Program Aksi Keuangan Berkelanjutan OK BANK.
Compliance 1. Preparing the Corporate Guidelines for the OK BANK’s Sustainable Finance Action.
2. Conducting reviews and providing recommendations related to compliance aspects of the OK BANK’s Sustainable Finance
Action Program.
1. Menyusun Pedoman Perusahaan Aksi Keuangan Berkelanjutan OK BANK.
2. Melakukan monitoring risiko kredit dan risiko lainnya terkait penerapan Aksi Keuangan Berkelanjutan OK BANK.
Risk Management
1. Preparing the Corporate Guidelines for the OK BANK’s Sustainable Finance Action.
2. Monitoring credit risk and other risks related to the implementation of the OK BANK’s Sustainable Finance Action.
1. Melakukan rekrutmen untuk unit khusus pengelola keuangan berkelanjutan (apabila diperlukan).
2. Melakukan pelatihan peningkatan kompetensi terkait Program Aksi Keuangan Berkelanjutan OK BANK.
3. Memastikan semua aktivitas terinformasikan kepada semua jajaran Pemegang Saham, Dewan Komisaris, Direksi dan
Human Capital & karyawan OK BANK, serta masyarakat (aspek keterbukaan).
Corporate Secretary 1. Conducting recruitment for a dedicated unit managing sustainable finance (if required).
2. Conducting competency development training related to the OK BANK’s Sustainable Finance Action Program.
3. Ensuring that all activities are communicated to all Shareholders, Board of Commissioners, Board of Directors, employees
of the OK BANK, and the public (in line with the transparency aspect).
1. Penyaluran kredit kepada Kegiatan Usaha Berkelanjutan.
Bisnis 2. Penerbitan produk/jasa keuangan berkelanjutan.
Business 1. Distributing credit to Sustainable Business Activities.
2. Issuing sustainable financial products/services.
1. Melakukan Publikasi via email, banner, social media.
2. Mengadakan program terkait CSR.
Marketing 3. Koordinasi penyusunan SR (Sustainable Report).
Communication 1. Conducting publications via email, banners, and social media.
2. Organizing CSR-related programs.
3. Coordinating the preparation of the Sustainable Report (SR).
1. Mengoptimalkan kerja sama dengan Vendor UMKM dalam pelaksanaan kegiatan operasional.
2. Menyediakan kebutuhan kegiatan bisnis dan operasional sesuai berdasarkan prinsip ramah lingkungan.
General Affairs
1. Optimizing collaboration with MSME vendors in the implementation of operational activities.
2. Providing business and operational activity needs in accordance with environmentally friendly principles.
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Monitoring, Evaluasi dan Mitigasi Program Monitoring, Evaluation, and Mitigation of
Keberlanjutan [POJK E.3] [GRI 2-25] Sustainability Program [POJK E.3] [GRI 2-25]
Sistem Monitoring Monitoring System
OK BANK memiliki sejumlah mekanisme monitoring dalam OK BANK has several monitoring mechanisms to carry out
melaksanakan program kerja di seluruh unit kerja yang work programs across all units, as outlined below:
diuraikan sebagai berikut:
1. Rapat Dewan Komisaris dan Rapat Dewan Direksi 1. Board of Commissioners Meeting and Board of Directors
Meeting
Dalam rangka memonitoring perkembangan terkini To monitor the latest developments in various work
terhadap berbagai program kerja dari seluruh unit kerja programs from all work units as well as to oversee financial
serta memonitor kinerja keuangan dan non-keuangan, and non-financial performance, the OK BANK holds Board
OK BANK menyelenggarakan Rapat Dewan Komisaris dan of Commissioners and Board of Directors Meetings, as well
Direksi serta Rapat Direksi. as Board of Directors Meetings.
2. Performance Management System 2. Performance Management System
Dalam memastikan target bisnis maupun program kerja To ensure that business targets and work programs
selaras dengan visi dan misi OK BANK, telah terdapat align with the OK BANK’s vision and mission, a dedicated
unit Performance dan Management untuk mengukur dan Performance and Management unit is established to
memonitor kinerja bisnis serta memberikan evaluasi yang measure and monitor business performance. This unit
lebih objektif dan terukur sebagai dasar pemberian reward provides more objective and measurable evaluations
dan punishment sehingga karyawan lebih termotivasi as the basis for implementing reward and punishment
dalam bekerja. systems, thereby motivating employees to perform better.
3. Business Meeting 3. Business Meeting
OK BANK melaksanakan pertemuan bisnis secara rutin The OK BANK routinely conducts business meetings to
dalam rangka memonitor kinerja unit bisnis dan juga monitor the performance of business units and branch
cabang. offices.
4. Division Meeting 4. Division Meeting
OK BANK melaksanakan pertemuan antar divisi secara The OK BANK routinely holds inter-division meetings
rutin dalam rangka memonitor kinerja seluruh unit kerja to monitor the performance of all work units within
OK BANK dan juga membahas permasalahan terkait bisnis the OK BANK and to discuss issues related to both
dan juga operasional. business and operations.
Mitigasi Mitigation
OK BANK melakukan mitigasi sebagai berikut: OK BANK undertakes the following mitigations:
1. Three Lines of Defense 1. Three Lines of Defense
OK BANK telah menerapkan sistem pengendalian internal The OK BANK has implemented an internal control system
yang merujuk kepada konsep Three Lines of Defense that refers to the Three Lines of Defense concept in
yang sesuai dengan Internal Control Framework yang accordance with the Internal Control Framework, involving
melibatkan seluruh satuan kerja. all work units.
a. First Line of Defense a. First Line of Defense
First Line of Defense dikelola oleh masing-masing The First Line of Defense is managed by each unit or
unit atau satuan kerja sesuai dengan fungsi dan tugas work division according to their respective functions
masing-masing, sebagai berikut: and responsibilities, as follows:
• Meningkatkan kompetensi keuangan Berkelanjutan • Enhancing Sustainable Finance competencies
dengan edukasi terkait Sustainability; through education on Sustainability;
• Melakukan identifikasi dan pengukuran kembali • Identifying and reassessing key operational risks
terhadap risiko operasional utama yang berkaitan related to daily tasks and responsibilities; and
dengan tugas dan tanggung jawab sehari-hari; serta
• Peningkatan kontrol dan pelaksanaan tindakan • Strengthening controls and implementing
preventif yang diperlukan agar dampak dan necessary preventive actions to minimize
frekuensi risiko dapat diminimalisir. the impact and frequency of risks.
b. Second Line of Defense b. Second Line of Defense
Second Line of Defense dikelola oleh Risk Management The Second Line of Defense is managed by Risk
dan Compliance sebagai berikut: Management and Compliance, as follows:
• Peningkatan fungsi check & balance guna • Enhancing the check & balance function to support
mendukung operasi bisnis yang prudent; prudent business operations;
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• Sosialisasi program pengembangan budaya risiko • Disseminating the development of risk and
dan kepatuhan kepada semua jenjang/tingkatan compliance culture programs at all organizational
organisasi; levels;
• Implementasi Enterprise Risk Management • Implementing Enterprise Risk Management to
untuk mengelola risiko secara menyeluruh dan manage risks comprehensively and in an integrated
terintegrasi; serta manner; and
• Penyempurnaan kebijakan, pedoman, prosedur, dan • Improving comprehensive risk management
kerangka manajemen risiko yang komprehensif. policies, guidelines, procedures, and frameworks.
c. Third Line of Defense c. Third Line of Defense
Third Line of Defense dikelola oleh Internal Audit The Third Line of Defense is managed by Internal Audit,
sebagai berikut: as follows:
• Pelaksanaan mekanisme Whistleblowing System • Implementing the Whistleblowing System
serta kebijakannya; mechanism and its policies;
• Pelaksanaan review dan sosialisasi/refreshment/ • Conducting regular reviews and dissemination/
role play secara berkala untuk meningkatkan refreshment/role plays to enhance risk awareness
budaya sadar risiko (Risk Awareness) dan budaya culture and anti-fraud culture (Zero Fraud &
anti-fraud (Zero Fraud & Tolerance); serta Tolerance); and
• Pelaksanaan surprise audit secara berkala • Conducting periodic surprise audits on auditees
terhadap auditee yang tidak termasuk dalam not included in the Annual Audit Work Plan.
Rencana Kerja Audit Tahunan.
2. Manajemen Risiko 2. Risk Management
OK BANK secara konsisten menerapkan manajemen risiko The OK BANK consistently applies risk management
dalam setiap aktivitas usaha termasuk pada aktivitas in every business activity, including operational and
operasional dan non operasional. non-operational activities.
Pengelolaan risiko OK BANK mencakup 8 (delapan) jenis The risk management of the OK BANK includes 8 (eight)
risiko sesuai dengan ketentuan Otoritas Jasa Keuangan types of risks in accordance with the Financial Services
sebagai berikut: Authority provisions as follows:
PERKEMBANGAN PROFIL RISIKO BERDASARKAN JENIS RISIKO OK BANK
Development of Risk Profile by OK BANK Risk Type
Profil Risiko 2025 2024 2023 Risk Profile
Risiko Kredit Low to Moderate Low to Moderate Moderate Credit Risk
Risiko Pasar Low to Moderate Low to Moderate Low to Moderate Market Risk
Risiko Likuiditas Low to Moderate Low to Moderate Low to Moderate Liquidity Risk
Risiko Operasional Low to Moderate Low to Moderate Low to Moderate Operational Risk
Risiko Hukum Low to Moderate Low to Moderate Low to Moderate Legal Risk
Risiko Stratejik Low to Moderate Low to Moderate Low to Moderate Strategic Risk
Risiko Kepatuhan Low to Moderate Low to Moderate Low to Moderate Compliance Risk
Risiko Reputasi Low to Moderate Low to Moderate Low to Moderate Reputational Risk
3. Mitigasi Risiko 3. Risk Mitigation
a. Pemetaan Risiko a. Risk Mapping
Tidak berjalannya Aksi Keuangan Berkelanjutan dapat The failure to implement Sustainable Finance Action
berdampak pada sejumlah risiko yang dikelola OK BANK. may lead to a total risks managed by the OK BANK.
Adapun pemetaan risiko terhadap penerapan Aksi The risk mapping related to the implementation of
Keuangan Berkelanjutan sebagai berikut: Sustainable Finance Action is as follows:
Jenis Risiko Potensi Risiko
Risk Type Risk Potential
Risiko Kredit Potensi Kegagalan Portofolio Keuangan Berkelanjutan dalam memenuhi kewajibannya pada OK BANK.
Credit Risk Potential failure of Sustainable Finance Portfolio to fulfill its obligations to the OK BANK.
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Jenis Risiko Potensi Risiko
Risk Type Risk Potential
Risiko Kepatuhan 1. Sanksi administratif berupa teguran atau peringatan tertulis bagi OK BANK yang tidak menerapkan Aksi
Keuangan Berkelanjutan.
2. Berpotensi memengaruhi nilai Tingkat Kesehatan Bank.
Compliance Risk 1. Administrative sanctions in the form of reprimands or written warnings for OK BANKs that fail to implement
Sustainable Finance Action.
2. Potential impact on the Bank’s Soundness Level Rating.
Risiko Stratejik 1. Pencapaian kinerja Rencana Aksi Keuangan Berkelanjutan.
2. Pencapaian kinerja penyaluran kredit kepada kegiatan Usaha Kategori Berkelanjutan.
Strategic Risk 1. Achievement of performance targets in the Bank’s Sustainable Finance Action Plan.
2. Achievement of credit distribution performance targets for Sustainable Business Activities.
Risiko Reputasi 1. Opini tidak memiliki kepedulian terhadap isu ekonomi berkelanjutan dan isu lingkungan hidup jika OK BANK
tidak menerapkan Aksi Keuangan Berkelanjutan.
2. Reputasi yang menurun di mata Otoritas dikarenakan OK BANK yang tidak menerapkan Aksi Keuangan
Berkelanjutan akan diberikan sanksi administratif berupa teguran dan peringatan tertulis.
Reputational Risk 1. Public perception of the OK BANK as lacking concern for sustainable economic issues and environmental issues
if the OK BANK fails to implement Sustainable Finance Action.
2. Decline in reputation in the eyes of the Authorities, as OK BANKs that do not implement Sustainable Finance
Action will be subject to administrative sanctions in the form of reprimands and written warnings.
b. Manajemen Risiko atas Program Aksi Keuangan b. Risk Management for the Sustainable Finance Action
Berkelanjutan Program
Untuk memitigasi potensi risiko Keuangan Berkelanjutan To mitigate potential risks related to Sustainable Finance,
tersebut, OK BANK melakukan: the OK BANK implements the following measures:
• Pembentukan Unit Kerja Pengelola Keuangan • Establishing of a Dedicated Sustainable Finance
Berkelanjutan. Management Unit.
• Mengidentifikasi dan memonitor portofolio • Identifying and monitoring of the OK BANK’s
pembiayaan OK BANK yang menunjang keuangan financing portfolio that supports sustainable
berkelanjutan. finance.
• Meningkatkan awareness mengenai keuangan • Increasing awareness of sustainable finance
berkelanjutan (untuk karyawan dan nasabah), (for employees and customers), and implementing
implementasi keuangan berkelanjutan pada sektor- sustainable finance in the industry sectors targeted
sektor industri yang menjadi fokus OK BANK. by the OK BANK.
• Penyusunan Kebijakan berupa Pedoman • Developing Policies in the form of Sustainable
Pengelolaan Keuangan Berkelanjutan. Finance Management Guidelines.
• Penerapan risk appetite dan risk tolerance • Implementing risk appetite and risk tolerance in
penyaluran kredit kepada Kegiatan Usaha Kategori the distribution of credit to Sustainable Business
Berkelanjutan. Activities.
• Pengawasan aktif Dewan Komisaris dan Direksi • Active supervision by the Board of Commissioners
terhadap penerapan Aksi Keuangan Berkelanjutan and the Board of Directors over the implementation
termasuk penyaluran kredit kepada Kegiatan of the Sustainable Finance Action, including credit
Usaha Kategori Berkelanjutan. distribution to Sustainable Business Activities,
with provisions as follows:
a) Pemberian kredit harus disetujui oleh komite a) Credit approval must be approved by the credit
kredit; serta committee; and
b) Pemberian kredit kepada pihak terkait harus b) Credit disbursement to related parties must
disetujui oleh Komisaris. be approved by the Board of Commissioners.
• Dewan Komisaris dan Direksi memiliki • The Board of Commissioners and the Board
awareness dan pemahaman yang baik of Directors have a strong awareness
mengenai manajemen Risiko Reputasi. and understanding of Reputation Risk
Pengurus melakukan peran dan tanggung Management. The management performs
jawab menjadi role model dalam rangka the roles and responsibilities as role
meningkatkan citra OK BANK di hadapan models to enhance the OK BANK’s image
stakeholder. in the eyes of stakeholders.
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• Penanganan setiap berita yang terkait • Handling of any news related to the OK BANK
dengan OK BANK dan selalu dilakukan and always providing clarification to
klarifikasi agar berita (yang bersifat negatif) ensure that any negative news does not
tidak membahayakan bisnis OK BANK. endanger the OK BANK’s business.
• Penetapan RKA dan RBB untuk mencapai • Determining the OK BANK’s RKA and RBB
target yang telah ditentukan. to achieve the predetermined targets.
• Penerapan konsistensi dalam menerapkan • Consistently implementing business
strategi bisnis, program bisnis, dan produk strategies, business programs, and
bisnis yang lebih komprehensif untuk business products in a more comprehensive
mewujudkan kinerja yang baik. manner to achieve good performance.
Permasalahan Penerapan Program-Program Issues in the Implementation of
Keberlanjutan [POJK E.5] [GRI 2-17] Sustainability Programs [POJK E.5] [GRI 2-17]
Dalam pelaksanaan program-program keberlanjutan, In the implementation of sustainability programs, OK BANK
OK BANK menghadapi berbagai tantangan yang berasal dari faces various challenges arising from both internal and external
faktor internal maupun eksternal. Berbagai tantangan tersebut factors. These challenges are addressed by OK BANK to
menjadi perhatian OK BANK dalam rangka memperkuat strengthen the planning and implementation of sustainability
perencanaan dan pelaksanaan program keberlanjutan agar programs, ensuring they operate optimally and continuously.
dapat berjalan secara optimal dan berkesinambungan. Secara In general, the challenges in implementing sustainable finance
umum, tantangan penerapan program keuangan berkelanjutan programs and the mitigation strategies carried out by OK BANK
dan strategi untuk mitigasi yang direalisasikan OK BANK are outlined as follows:
diuraikan sebagai berikut:
Tantangan Penerapan Prinsip Keberlanjutan
Strategi untuk Mengatasi
Challenges in the Implementation of
Strategies to Overcome
Sustainability Principles
Internal
Internal
Karyawan belum sepenuhnya memahami pentingnya keberlanjutan Mengadakan pelatihan dan sosialisasi rutin mengenai keberlanjutan
dalam operasi OK BANK. bagi seluruh karyawan.
Employees have not fully understood the importance of sustainability in Conducting regular training and awareness programs on sustainability
the OK BANK’s operations. for all employees.
Proses operasional yang mengarah pada penggunaan sumber daya Menerapkan teknologi ramah lingkungan dan efisiensi energi dalam
yang tidak efisien dan menghasilkan limbah. operasional sehari-hari.
Operational processes that lead to inefficient use of resources and Implementing environmentally friendly technology and energy efficiency
generate waste. in daily operations.
Sistem internal yang kurang mendukung pemantauan dan pelaporan Membangun sistem pemantauan berbasis teknologi untuk mengukur
indikator keberlanjutan. dan melaporkan pencapaian keberlanjutan secara teratur.
Internal systems that are inadequate in supporting the monitoring and Developing a technology-based monitoring system to measure and
reporting of sustainability indicators. regularly report sustainability achievements.
Eksternal
External
Peraturan yang tidak stabil atau kurang mendukung inisiatif Menjalin hubungan baik dengan regulator dan berpartisipasi dalam
keberlanjutan di sektor perbankan. pengembangan kebijakan yang mendukung keberlanjutan.
Unstable or less supportive regulations to sustainability initiatives in the Establishing good relationships with regulators and participating in
banking sector. the development of policies that support sustainability.
Bank pesaing yang mungkin belum sepenuhnya berkomitmen pada Menjalin hubungan baik dengan regulator dan berpartisipasi dalam
keberlanjutan, sehingga sulit untuk membedakan diri. pengembangan kebijakan yang mendukung keberlanjutan.
Competing banks that may not be fully committed to sustainability, Establishing good relationships with regulators and participating in
making it difficult to differentiate. the development of policies that support sustainability.
Belum ada kesadaran yang cukup tinggi di kalangan nasabah akan Meningkatkan edukasi kepada nasabah tentang pentingnya produk dan
pentingnya produk dan layanan yang berkelanjutan. layanan berbasis keberlanjutan dan dampaknya bagi lingkungan serta
masyarakat.
Lack of sufficient awareness among customers regarding the importance Enhancing customer education on the importance of sustainability based
of sustainable products and services. products and services and their impact on the environment and society.
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Kinerja Aspek Ekonomi dan Inklusi Keuangan
Economic Aspect Performance and Financial Inclusion
Kinerja aspek ekonomi OK BANK mencerminkan upaya OK BANK’s economic performance reflects its continuous
berkelanjutan dalam menjaga stabilitas usaha dan mendukung efforts to maintain business stability and support healthy
pertumbuhan yang sehat di tengah dinamika perekonomian. growth amid economic dynamics. Through the implementation
Melalui penerapan tata kelola berkelanjutan serta prinsip kehati- of sustainable governance and prudential principles,
hatian, OK BANK secara konsisten mengarahkan strategi bisnis OK BANK consistently directs its business strategy toward
pada penguatan kinerja keuangan, peningkatan kualitas aset, strengthening financial performance, improving asset quality,
dan optimalisasi efisiensi operasional. Pendekatan ini bertujuan and optimizing operational efficiency. This approach aims
untuk menciptakan nilai tambah yang berkesinambungan to create sustainable added value for all stakeholders while
bagi seluruh pemangku kepentingan, sekaligus mendukung supporting OK BANK’s contribution to national economic
kontribusi OK BANK terhadap pertumbuhan ekonomi nasional growth and long-term business sustainability. [GRI 3-3]
dan keberlanjutan usaha jangka panjang. [GRI 3-3]
Sejalan dengan pencapaian kinerja ekonomi tersebut, In line with these economic performance achievements,
OK BANK menjalankan peran strategisnya dalam mendorong OK BANK plays a strategic role in promoting financial inclusion
inklusi keuangan sebagai bagian dari komitmen terhadap as part of its commitment to inclusive development. OK BANK
pembangunan yang inklusif. OK BANK memperluas akses expands access to financial services through the development
layanan keuangan melalui pengembangan produk dan of products and services that are easily accessible, relevant,
layanan yang mudah diakses, relevan, dan sesuai dengan and aligned with the needs of diverse segments of society.
kebutuhan berbagai lapisan masyarakat. Upaya ini diperkuat These efforts are reinforced by the continuous implementation
dengan pelaksanaan program literasi keuangan yang of financial literacy programs to enhance public understanding
berkesinambungan untuk meningkatkan pemahaman of healthy and responsible financial management. Through
masyarakat mengenai pengelolaan keuangan yang sehat dan this approach, OK BANK attempts to encourage broader
bertanggung jawab. Melalui pendekatan tersebut, OK BANK participation in the formal financial system and contribute to
berupaya mendorong partisipasi yang lebih luas dalam sistem inclusive and sustainable economic growth. [GRI 3-3]
keuangan formal serta berkontribusi terhadap pertumbuhan
ekonomi yang inklusif dan berkelanjutan. [GRI 3-3]
Pada tahun 2025, OK BANK membukukan penyaluran kredit In 2025, OK BANK recorded credit distribution of
Rp10.734,81 miliar, meningkat 15,43% dibandingkan tahun Rp10,734.81 billion, an increase of 15.43% compared to that of
2024 sebesar Rp9.300,15 miliar. Jumlah aset OK BANK pada 2024, which amounted to Rp9,300.15 billion. OK BANK’s total
tahun 2025 tercatat sebesar Rp13,42 triliun, meningkat 13,03% assets in 2025 were recorded at Rp13.42 trillion, an increase
dari tahun sebelumnya sebesar Rp11,87 triliun. Adapun untuk of 13.03% from the previous year’s Rp11.87 trillion. As for
Dana Pihak Ketiga (DPK), OK BANK mampu menghimpun Third-Party Funds (DPK), OK BANK was able to collect
dana nasabah mencapai nilai sebesar Rp8.174,48 miliar, customer funds amounting to Rp8,174.48 billion, an increase
meningkat 19,89% dari Rp6.818,15 miliar di tahun 2024. OK of 19.89% from Rp6,818.15 billion in 2024. OK BANK also
BANK juga mampu mencatatkan laba bersih tahun berjalan recorded net profit of Rp159.98 billion for 2025, an increase of
sebesar Rp159,98 miliar pada tahun 2025, meningkat 220,03% 220.03% compared to the previous year’s Rp49.99 billion.
dibandingkan tahun sebelumnya sebesar Rp49,99 miliar.
OK BANK akan tetap berkomitmen untuk berupaya OK BANK remains committed to improving profitability in
meningkatkan profitabilitas ke depannya dan juga berkontribusi the future while also contributing to sustainable finance
terhadap program keuangan berkelanjutan. Rasio Kecukupan programs. OK BANK’s Capital Adequacy Ratio (CAR) experienced
Modal (CAR) OK BANK mengalami sedikit penurunan di a slight decrease in 2025, reaching 42.21% compared to
tahun 2025 sebesar 42,21% dibandingkan rasio CAR di tahun the 2024 CAR of 46.83%. This condition is primarily driven by
2024 sebesar 46,83%. Kondisi ini terutama dipengaruhi oleh the growth of RWA in risk credit, which has outpaced
pertumbuhan ATMR risiko kredit lebih tinggi dibandingkan the increase in total capital, resulting in a decline in the CAR.
peningkatan total modal, sehingga menyebabkan CAR
mengalami penurunan.
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Nilai Ekonomi yang Dihasilkan dan Economic Value Generated and Distributed
Didistribusikan [GRI 201-1] [GRI 201-1]
Nilai ekonomi yang dihasilkan dan didistribusikan mencerminkan The economic value generated and distributed reflects
kontribusi OK BANK dalam menciptakan dan menyalurkan OK BANK’s contribution to creating and delivering economic
manfaat ekonomi kepada berbagai pihak terkait. Nilai ekonomi benefits to various related parties. The economic value
yang dihasilkan umumnya berasal dari aktivitas operasional generated generally comes from OK BANK’s core operational
utama OK BANK, yang kemudian menjadi dasar dalam activities, which serve as the basis for supporting business
mendukung keberlangsungan usaha dan penciptaan nilai continuity and creating long-term value. The management of
jangka panjang. Pengelolaan nilai ekonomi ini dilakukan secara economic value is conducted responsibly, with attention to
bertanggung jawab dengan memperhatikan keseimbangan balancing financial performance and sustainability. [GRI 3-3]
antara kinerja keuangan dan keberlanjutan. [GRI 3-3]
Distribusi nilai ekonomi dilakukan kepada para pemangku The distribution of economic value is directed to stakeholders,
kepentingan, termasuk karyawan, pemerintah, Pemegang including employees, the government, Shareholders, and
Saham, dan masyarakat, sebagai bentuk komitmen OK BANK the community, as a demonstration of OK BANK’s commitment
dalam menjalankan peran ekonomi dan sosialnya. Penyaluran to fulfilling its economic and social roles. This distribution
nilai ekonomi tersebut mencakup pemenuhan kewajiban includes meeting operational obligations, paying taxes and other
operasional, pembayaran pajak dan kontribusi lainnya, serta contributions, and supporting human capital development and
dukungan terhadap pengembangan SDM dan aktivitas business activities. Through balanced distribution, OK BANK
bisnis. Melalui distribusi yang berimbang, OK BANK berupaya seeks to promote inclusive economic growth. [GRI 3-3]
mendorong pertumbuhan ekonomi yang inklusif. [GRI 3-3]
Secara keseluruhan, pengelolaan nilai ekonomi yang dihasilkan Overall, the management of generated and distributed
dan didistribusikan menjadi bagian penting dalam mendukung economic value is an important part of supporting OK BANK’s
stabilitas dan keberlanjutan OK BANK. Pendekatan ini tidak stability and sustainability. This approach not only
hanya bertujuan untuk menciptakan keuntungan, tetapi juga aims to create profits but also ensures that economic
memastikan bahwa manfaat ekonomi dapat dirasakan oleh benefits are felt by stakeholders in a sustainable manner.
para pemangku kepentingan secara berkelanjutan. Dengan Thus, OK BANK contributes to generating a positive
demikian, OK BANK berkontribusi dalam menciptakan dampak impact on the broader economy. [GRI 3-3]
positif bagi perekonomian secara luas. [GRI 3-3]
Informasi nilai ekonomi yang dihasilkan dan didistribusikan Information on OK BANK’s economic value generated
OK BANK selama 3 (tiga) tahun terakhir diuraikan sebagai and distributed over the last 3 (three) years is outlined
berikut: as follows:
TABEL PEROLEHAN NILAI EKONOMI DAN DISTRIBUSI NILAI EKONOMI
Table of Economic Value Received and Economic Value Distributed
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
I. Nilai Ekonomi Langsung yang Dihasilkan
Direct Economic Value Generated
Pendapatan Bunga 1.206.747 1.037.329 1.000.383 Interest Income
Pendapatan Operasional Lainnya 31.946 28.296 16.948 Other Operating Income
Jumlah Nilai Ekonomi yang Diterima 1.238.693 1.065.625 1.017.331 Total Economic Value Received
II. Nilai Ekonomi yang Didistribusikan
Economic Value Distributed
Beban Bunga (517.871) (435.910) (397.023) Interest Expense
Beban Operasional Lainnya (506.590) (561.896) (583.140) Other Operating Expenses
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LAPORAN KEBERLANJUTAN
Sustainability report
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
Pembayaran kepada Pemerintah Payment to the Government
(53.976) (18.150) (8.420)
(Pajak, Retribusi, dan Lain-Lain) (Tax, Retribution, and Others)
Jumlah Nilai Ekonomi yang
(1.078.436) (1.015.955) (988.583) Total Distributed Economic Value
Didistribusikan
III. Nilai Ekonomi yang Ditahan
Retained Economic Value
Jumlah Nilai Ekonomi yang Ditahan 160.257 49.670 28.748 Total Retained Economic Value
Bantuan Finansial yang Diterima dari Financial Assistance Received from
Pemerintah [GRI 201-4] the Government [GRI 201-4]
Sepanjang tahun 2025, tidak terdapat bantuan finansial Throughout 2025, OK BANK did not receive any form of financial
yang diterima oleh OK BANK dalam bentuk apa pun dari assistance from the government for any of its operations. In
pemerintah untuk operasi apa pun. Selain itu, tidak ada addition, there was no government involvement in any form in
keterlibatan pemerintah dalam bentuk apa pun dalam struktur OK BANK’s shareholding structure.
kepemilikan saham OK BANK.
Kepatuhan terhadap Perpajakan Tax Compliance
OK BANK memandang pemenuhan kewajiban perpajakan OK BANK views the fulfillment of tax obligations as an integral
sebagai bagian integral dari tanggung jawab perusahaan dan part of corporate responsibility and a tangible contribution
kontribusi nyata terhadap pembangunan nasional. Pendekatan to national development. The Bank’s tax approach is based
perpajakan Bank dilandaskan pada prinsip kepatuhan, on the principles of compliance, transparency, and prudence,
transparansi, dan kehati-hatian, dengan memastikan bahwa ensuring that all tax obligations are met in accordance with
seluruh kewajiban pajak dipenuhi sesuai dengan ketentuan the prevailing laws and regulations. [GRI 3-3]
peraturan perundang-undangan yang berlaku. [GRI 3-3]
Pendekatan terhadap Pajak [GRI 207-1] Approach to Tax [GRI 207-1]
Dalam mendukung komitmen perpajakan, OK BANK memiliki To support its tax commitment, OK BANK has internal policies
kebijakan dan pedoman internal yang mengatur pengelolaan and guidelines that regulate tax management in a structured
perpajakan secara terstruktur dan terintegrasi dengan kegiatan manner and are fully integrated with the Bank’s business
usaha Bank. Strategi perpajakan yang diterapkan difokuskan activities. The tax strategies implemented focus on full
pada kepatuhan penuh (tax compliance) dan tidak diarahkan tax compliance and are not directed toward tax avoidance
pada praktik penghindaran pajak. Setiap kebijakan dan posisi practices. Each tax policy and position is determined
perpajakan ditetapkan dengan mempertimbangkan substansi by considering the actual substance of business transactions
transaksi bisnis yang sebenarnya serta prinsip kewajaran. as well as the principle of fairness. Review and approval
Peninjauan dan persetujuan atas kebijakan serta strategi of tax policies and strategies are carried out by executive
perpajakan dilakukan oleh manajemen tingkat eksekutif sesuai management according to the applicable authority and
dengan kewenangan yang berlaku, serta diawasi melalui are monitored through the internal control and compliance
fungsi pengendalian internal dan kepatuhan. Evaluasi atas functions. Evaluation of the implementation of tax strategies
penerapan strategi perpajakan dilakukan secara berkala untuk is conducted periodically to ensure alignment with regulatory
memastikan kesesuaian dengan perubahan regulasi serta changes and potential tax risks.
risiko perpajakan yang mungkin timbul.
Tata Kelola Perpajakan [GRI 207-2] Tax Governance [GRI 207-2]
OK BANK menerapkan kerangka tata kelola dan pengendalian OK BANK implements a tax governance and control framework
pajak yang terintegrasi dalam sistem tata kelola perusahaan which is integrated within the corporate governance and
dan manajemen risiko. Tanggung jawab atas kepatuhan risk management system. Responsibility for tax compliance
perpajakan berada pada manajemen tingkat eksekutif sesuai rests with executive management in accordance with
kewenangan yang ditetapkan, dengan pengawasan melalui the authority granted, with oversight provided through
fungsi kepatuhan dan pengendalian internal. Pendekatan the compliance and internal control functions. The Bank’s
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perpajakan Bank dijalankan secara prudent, berlandaskan tax approach is conducted prudently, based on compliance
kepatuhan terhadap peraturan perundang-undangan, serta with applicable laws and regulations, and is embedded
ditanamkan dalam kebijakan, prosedur, dan proses bisnis yang in the policies, procedures, and business processes
berlaku di seluruh organisasi. across the organization.
Manajemen risiko terkait pajak dilaksanakan melalui proses Tax-related risk management is carried out through processes
identifikasi, penilaian, pengelolaan, dan pemantauan risiko of identification, assessment, management, and monitoring
yang dilakukan secara berkala sebagai bagian dari risiko of risks conducted periodically as part of compliance risk.
kepatuhan. OK BANK menyediakan mekanisme pelaporan OK BANK provides reporting mechanisms to raise issues
untuk menyampaikan isu atau dugaan pelanggaran terkait or suspected violations related to integrity and business
integritas dan perilaku bisnis, termasuk yang berkaitan conduct, including those concerning taxation, while ensuring
dengan perpajakan, dengan menjamin kerahasiaan pelapor. the confidentiality of the reporter. Through the implementation
Melalui penerapan tata kelola pajak yang transparan dan of transparent and accountable tax governance, OK BANK
akuntabel, OK BANK memastikan pemenuhan kewajiban ensures responsible fulfillment of tax obligations and supports
perpajakan secara bertanggung jawab serta mendukung long-term business sustainability.
keberlanjutan usaha jangka panjang.
Keterlibatan Pemangku Kepentingan terkait Stakeholder Engagement Related to Tax [GRI 207-3]
Perpajakan [GRI 207-3]
OK BANK menerapkan pendekatan keterlibatan pemangku OK BANK adopts a constructive and transparent stakeholder
kepentingan yang konstruktif dan transparan dalam engagement approach in managing tax-related issues.
pengelolaan isu-isu yang berkaitan dengan perpajakan. Bank The Bank maintains open and cooperative communication
menjalin komunikasi yang terbuka dan kooperatif dengan with tax authorities through the fulfillment of reporting
otoritas perpajakan melalui pemenuhan kewajiban pelaporan, obligations, submission of accurate information, and
penyampaian informasi yang akurat, serta partisipasi dalam participation in clarification and audit processes in
proses klarifikasi dan pemeriksaan sesuai ketentuan yang accordance with applicable regulations. This approach reflects
berlaku. Pendekatan ini mencerminkan komitmen Bank untuk the Bank’s commitment to building professional, compliant,
membangun hubungan yang profesional, patuh, dan saling and mutually respectful relationships with regulators as part
menghormati dengan regulator sebagai bagian dari tata kelola of responsible tax governance.
perpajakan yang bertanggung jawab.
Laporan Perpajakan [GRI 207-4] Tax Reporting [GRI 207-4]
Kegiatan operasional OK BANK berada seluruhnya di wilayah All of OK BANK’s operational activities are conducted within
Republik Indonesia. Dengan demikian, ketentuan perpajakan yang the territory of the Republic of Indonesia. Therefore, the tax
berlaku bagi OK BANK adalah peraturan perpajakan Republik regulations applicable to OK BANK are those of the Republic of
Indonesia. Adapun besaran pajak yang dikontribusikan OK BANK Indonesia. The amount of taxes contributed by OK BANK over
selama 3 (tiga) tahun terakhir diuraikan sebagai berikut: the last 3 (three) years is described as follows:
(dalam jutaan Rupiah / in millions of Rupiah)
Jenis Pajak yang Dibayarkan 2025 2024 2023 Types of Taxes Paid
PPN (DN & JLN) 612 349 93 VAT (domestic & foreign)
PPh Pemotongan/Pemungutan *)
105.520 83.089 77.214 Income Tax withholding/collection*)
PPh Badan**) 56.144 36.350 7.449 Corporate Income Tax**)
Pajak Daerah dan Pajak Lainnya***) 822 798 327 Regional and other taxes***)
Jumlah Pajak yang Dibayarkan 163.098 120.586 85.084 Amount of Taxes Paid
*) PPh Pemotongan/Pemungutan terdiri dari PPh Pasal 21/26, PPh Pasal 23/26, dan PPh Pasal 4 Ayat 2. / Withholding/Collection Income Tax consists of Income
Tax Article 21/26, Income Tax Article 23/26, and Income Tax Article 4 Paragraph 2.
**) PPh Badan terdiri dari PPh 25 dan PPh 29. / Corporate Income Tax consists of Income Tax Article 25 and Income Tax Article 29.
***) Pajak Lainnya terdiri dari Pajak Reklame dan Bea Materai. / Other Taxes consist of Advertising Tax and Stamp Duty.
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LAPORAN KEBERLANJUTAN
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Portofolio Kredit dan Kualitas Pinjaman Credit Portfolio and Loan Quality
Portofolio kredit dan kualitas pinjaman merupakan aspek The credit portfolio and loan quality are essential aspects
penting dalam menjaga kinerja dan keberlanjutan usaha of maintaining OK BANK’s performance and business
OK BANK. Pengelolaan portofolio kredit dilakukan secara sustainability. Credit portfolio management is conducted
prudent dengan memperhatikan keseimbangan antara prudently by considering the balance of business growth with
pertumbuhan bisnis dan pengendalian risiko, sehingga risk control to ensure loan quality is maintained. Through
kualitas pinjaman tetap terjaga. Melalui penerapan kebijakan the consistent implementation of credit policies, regular
perkreditan yang konsisten, pemantauan berkala, dan monitoring, and adequate risk management, OK BANK strives
manajemen risiko yang memadai, OK BANK berupaya to ensure that credit is extended to borrowers who have
memastikan bahwa penyaluran kredit dilakukan kepada debitur the capacity and commitment to meet their obligations,
yang memiliki kemampuan dan komitmen untuk memenuhi while also supporting the financial stability and long-term
kewajibannya, sekaligus mendukung stabilitas keuangan dan sustainability of the Bank.
keberlanjutan jangka panjang OK BANK.
Pemberian Kredit berdasarkan Sektor Loan Distribution by Economic Sector
Ekonomi [POJK E.3] [GRI 203-2] [POJK E.3] [GRI 203-2]
Portofolio Kredit berdasarkan Sektor dan Kategori Credit Portfolio by Sector and Category
Portofolio kredit berdasarkan sektor dan kategori mencerminkan The credit portfolio by sector and category reflects a financing
strategi penyaluran pembiayaan yang disesuaikan dengan allocation strategy adjusted to the characteristics and needs
karakteristik dan kebutuhan berbagai segmen ekonomi. of various economic segments. This portfolio is managed
Pengelolaan portofolio ini dilakukan secara terdiversifikasi in a diversified manner to maintain a balance between
untuk menjaga keseimbangan antara pertumbuhan bisnis business growth and risk management, while also supporting
dan pengelolaan risiko, sekaligus mendukung sektor-sektor productive sectors that contribute to the economy. By
produktif yang berkontribusi terhadap perekonomian. Melalui grouping credit according to business sectors and borrower
pengelompokan kredit berdasarkan sektor usaha dan kategori categories, OK BANK can more effectively monitor financing
debitur, OK BANK dapat memantau kinerja penyaluran performance and ensure alignment with internal policies and
pembiayaan secara lebih efektif serta memastikan keselarasan the principle of prudence. [GRI 3-3]
dengan kebijakan internal dan prinsip kehati-hatian. [GRI 3-3]
Informasi mengenai pemberian kredit berdasarkan sektor Information regarding OK BANK’s credit allocation by economic
ekonomi OK BANK selama 3 (tiga) tahun terakhir diuraikan sector over the last 3 (three) years is described as follows:
sebagai berikut:
TABEL PEMBERIAN KREDIT BERDASARKAN SEKTOR EKONOMI [POJK F.3]
Table of Loan by Economic Sector
(dalam jutaan Rupiah / in millions of Rupiah)
Pertumbuhan 2025
Growth 2025
Uraian 2025 2024 2023 Description
Juta
Million %
(Rp)
Perdagangan Besar dan Wholesale and Retail
Eceran, Reparasi dan Trade, Repair and
610.136 714.904 1.948.510 (104.768) (14,65)
Perawatan Mobil, dan Maintenance of Cars, and
Sepeda Motor Motorcycles
Rumah Tangga 1.006.081 943.703 974.342 62.378 6,61 Households
Industri Pengolahan 2.192.774 1.977.201 1.582.777 215.573 10,90 Manufacturing Industry
Pengangkutan dan Transportation and
66.670 74.151 86.611 (7.481) (10,09)
Pergudangan Warehousing
Konstruksi 168.608 287.868 277.644 (119.260) (41,43) Construction
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(dalam jutaan Rupiah / in millions of Rupiah)
Pertumbuhan 2025
Growth 2025
Uraian 2025 2024 2023 Description
Juta
Million %
(Rp)
Aktivitas Penyewaan dan Rental and Leasing
Sewa Guna Usaha tanpa Activities without Option
Hak Opsi, Ketenagakerjaan, 474.229 166.669 176.634 307.560 184,53 Rights, Employment,
Agen Perjalanan, dan Travel Agencies, and Other
Penunjang Usaha Lainnya Business Support Services
Real Estate 1.127.213 988.460 272.069 138.753 14,04 Real Estate
Aktivitas Keuangan dan Financial and Insurance
1.800.528 1.903.590 1.482.846 (103.062) (5,41)
Asuransi Activities
Aktivitas Kesehatan
Human Health and Social
Manusia dan Aktivitas 17.053 13.220 214.008 3.833 28,99
Activities
Sosial
Pendidikan 285.085 229.574 13.440 55.511 24,18 Education
Aktivitas Profesional, Professional, Scientific,
699.832 369.175 254.636 330.657 89,57
Ilmiah, dan Teknis and Technical Activities
Pertambangan dan
453.124 353.929 28.368 99.195 28,03 Mining and Quarrying
Penggalian
Penyediaan Akomodasi Accommodation and Food
dan Penyediaan Makan 1.412.797 857.675 747.301 555.122 64,72 and Beverage Service
Minum Activities
Information and
Informasi dan Komunikasi 32.809 36.454 113.624 (3.645) (10,00)
Communication
Aktivitas Jasa Lainnya 297.390 344.194 321.979 (46.804) (13,60) Other Service Activities
Pertanian, Kehutanan, dan Agriculture, Forestry, and
45.090 27.764 17.508 17.326 62,40
Perikanan Fisheries
Kesenian, Hiburan, dan Arts, Entertainment, and
44.263 11.624 13.586 32.639 280,79
Rekreasi Recreation
Pengadaan Listrik, Gas, Electricity, Gas, Steam/Hot
Uap/Air Panas dan 1.126 - - 1.126 100,00 Water and Air Conditioning
Udara Dingin Supply
Jumlah Outstanding Kredit 10.734.810 9.300.154 8.527.883 1.434.656 15,43 Total Outstanding Loans
TABEL PEMBERIAN KREDIT BERDASARKAN SEGMEN PENGGUNAAN
Table of Loan by Usage Segment
(dalam jutaan Rupiah / in millions of Rupiah)
Pertumbuhan 2025
Growth 2025
Uraian 2025 2024 2023 Description
Juta
Million %
(Rp)
Modal Kerja 6.071.773 5.278.951 5.422.468 792.822 15,02 Working Capital
Investasi 2.374.577 2.076.787 1.785.956 297.790 14,34 Investment
Konsumsi 989.048 930.623 1.099.042 58.425 6,28 Consumption
Sindikasi 1.282.379 1.000.713 207.537 281.666 28,15 Syndication
Karyawan 17.033 13.080 12.878 3.953 30,22 Employee
Jumlah Outstanding Kredit 10.734.810 9.300.154 8.527.881 1.434.656 15,43 Total Outstanding Loans
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LAPORAN KEBERLANJUTAN
Sustainability report
Non-Performing Loan (NPL) Non-Performing Loan (NPL)
Per 31 Desember 2025, OK BANK mencatat rasio As of December 31, 2025, OK BANK recorded a Non-Performing
Non-Performing Loan (NPL) menjadi sebesar 2,50% secara Loan (NPL) ratio of 2.50% gross and 1.22% net. The gross
bruto dan 1,22% secara neto. NPL bruto mengalami sedikit NPL showed a slight increase compared to the previous year,
peningkatan dibandingkan tahun sebelumnya yang tercatat which was 2.49%, while the net NPL improved, decreasing from
sebesar 2,49%, sementara NPL neto menunjukkan perbaikan 1.45% in the previous year. The decline in the net NPL ratio and
dengan penurunan dari 1,45% pada tahun sebelumnya. the slight increase in the gross NPL reflects that the Bank’s
Penurunan rasio NPL neto dan sedikitnya kenaikan NPL bruto credit management quality remains well-maintained,
ini mencerminkan bahwa kualitas pengelolaan kredit Bank tetap supported by risk control efforts and adequate provisioning.
terjaga dan didukung oleh upaya pengendalian risiko serta On the other hand, the Bank’s capital condition, as reflected
penguatan pencadangan yang memadai. Di sisi lain, kondisi in the Capital Adequacy Ratio (CAR), remains strong, enabling
permodalan Bank tercermin dari rasio Capital Adequacy Ratio the Bank to sustain its performance and support business
(CAR) tetap berada pada tingkat yang kuat sehingga mampu expansion.
mendukung keberlanjutan kinerja dan ekspansi usaha Bank.
Rantai Pasokan dan Praktik Pengadaan Supply Chain and Procurement Practices
[GRI 204-1] [GRI 204-1]
Rantai pasokan dan praktik pengadaan OK BANK dijalankan Supply chain and procurement practices of OK BANK are
dengan mengedepankan prinsip kehati-hatian, transparansi, carried out based on the principles of prudence, transparency,
dan akuntabilitas dalam setiap prosesnya. Pengadaan barang and accountability in every process. The procurement of
dan jasa dilakukan untuk mendukung kegiatan operasional goods and services is conducted to effectively support
OK BANK secara efektif, mulai dari penyediaan teknologi OK BANK’s operational activities, starting from the provision
informasi, layanan pendukung operasional, hingga kebutuhan of information technology, operational support services, to
sarana dan prasarana kantor. Dalam pelaksanaannya, OK BANK office facilities and infrastructure needs. In its implementation,
bekerja sama dengan mitra usaha yang memiliki reputasi baik, OK BANK collaborates with business partners who have
kompetensi yang memadai, dan mampu memenuhi standar a good reputation, adequate competence, and the ability to
kualitas, biaya, serta waktu yang telah ditetapkan. [GRI 3-3] meet established standards of quality, cost, and time. [GRI 3-3]
Proses pengadaan dilaksanakan melalui mekanisme yang Procurement processes are carried out through a well-
terstruktur dan terdokumentasi dengan baik, guna meminimalkan structured and documented mechanism to minimize risks and
risiko serta memastikan kesesuaian dengan ketentuan internal ensure compliance with internal regulations and applicable
dan peraturan yang berlaku. Evaluasi terhadap kinerja pemasok laws. Supplier performance is evaluated periodically to maintain
dilakukan secara berkala untuk menjaga konsistensi mutu consistent service quality and supply reliability. Through well-
layanan dan keandalan pasokan. Dengan pengelolaan rantai managed supply chain practices, OK BANK attempts to ensure
pasokan yang tertata, OK BANK berupaya memastikan kelancaran smooth operations, support cost efficiency, and strengthen
operasional, mendukung efisiensi biaya, dan memperkuat tata overall governance. [GRI 3-3]
kelola OK BANK secara menyeluruh. [GRI 3-3]
Informasi mengenai jumlah pemasok dan nilai kontrak Information regarding the total suppliers and the value of OK
pekerjaan OK BANK selama 3 (tiga) tahun terakhir diuraikan BANK’s contracts over the last 3 (three) years is described as
sebagai berikut: follows:
JUMLAH PEMASOK DAN NILAI PASOKAN MENURUT LOKASI GEOGRAFIS [GRI 204-1]
Total Suppliers and Value of Supply by Geographic Location
Jumlah Pemasok Barang dan Jasa
Nilai Kontrak Pekerjaan
Lokasi Total Suppliers of Goods Supplier
Work Contract Value
Geografis and Services Geographic
Pemasok Location
2025 2024 2023 2025 2024 2023
Nasional 26 20 16 890.389.787 3.558.295.293 767.169.635 National
Internasional - - - - - - International
Jumlah 26 20 16 890.389.787 3.558.295.293 767.169.635 Total
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JUMLAH PEMASOK BARANG DAN NILAI PASOKAN BARANG [GRI 204-1]
Total Goods Suppliers and Value of Goods Supply
Jumlah Pemasok Barang Nilai Kontrak Pekerjaan
Lokasi Supplier
Total Suppliers of Goods Work Contract Value
Geografis Geographic
Pemasok Location
2025 2024 2023 2025 2024 2023
Nasional 46 32 17 2.175.744.550 2.749.924.009 1.279.483.744 National
Internasional - - - - - - International
Jumlah 46 32 17 2.175.744.550 2.749.924.009 1.279.483.744 Total
JUMLAH PEMASOK JASA DAN NILAI PASOKAN JASA [GRI 204-1]
Total Service Suppliers and Value of Service Supply
Jumlah Pemasok Jasa Nilai Kontrak Pekerjaan
Lokasi Supplier
Total Suppliers of Services Work Contract Value
Geografis Geographic
Pemasok Location
2025 2024 2023 2025 2024 2023
Nasional 62 46 22 9.862.232.145 10.152.616.384 9.808.792.649 National
Internasional - - - - - - International
Jumlah 62 46 22 9.862.232.145 10.152.616.384 9.808.792.649 Total
Pengadaan Berkelanjutan Sustainable Procurement
OK BANK menerapkan prinsip pengadaan berkelanjutan dengan OK BANK implements the sustainable procurement principle
mengintegrasikan kriteria lingkungan dan sosial dalam proses by integrating environmental and social criteria into
pemilihan serta pengelolaan pemasok. Dalam proses seleksi the supplier selection and management process. In the
pemasok baru, Bank secara bertahap menerapkan uji tuntas process of selecting new suppliers, the Bank gradually applies
yang mempertimbangkan aspek lingkungan, seperti kepatuhan due diligence that considers environmental aspects, such
terhadap peraturan yang berlaku dan potensi dampak terhadap as compliance with applicable regulations and potential
lingkungan, serta aspek sosial yang mencakup ketenagakerjaan, environmental impacts, as well as social aspects, including
keselamatan dan kesehatan kerja, serta praktik kerja yang labor practices, occupational health and safety, and ethical
beretika. Pendekatan ini bertujuan untuk meminimalkan risiko work practices. This approach aims to minimize sustainability
keberlanjutan sejak awal hubungan kerja sama dan memastikan risks from the outset of the business relationship and
bahwa pemasok memiliki keselarasan dengan nilai serta prinsip ensure that suppliers align with the Bank’s values and
keberlanjutan Bank. [GRI 3-3] sustainability principles. [GRI 3-3]
Selain pada tahap seleksi, OK BANK juga melakukan In addition to the selection stage, OK BANK also monitors
pemantauan terhadap dampak lingkungan dan sosial dalam the environmental and social impacts within the supply chain
rantai pasokan selama masa kerja sama. Evaluasi dilakukan throughout the partnership. Evaluations are conducted based
berdasarkan kepatuhan pemasok terhadap ketentuan yang on suppliers’ compliance with the agreed-upon requirements,
telah disepakati, termasuk identifikasi potensi dampak including the identification of actual or potential negative
negatif aktual maupun potensial. Dalam hal ditemukan risiko impacts. When significant risks or impacts are identified,
atau dampak yang signifikan, Bank mengedepankan langkah the Bank prioritizes corrective actions through communication,
perbaikan melalui komunikasi, klarifikasi, dan peningkatan clarification, and capacity-building with suppliers.
kapasitas pemasok. Apabila pemasok tidak menunjukkan If a supplier does not demonstrate commitment to the required
komitmen terhadap perbaikan yang diperlukan, Bank dapat improvements, the Bank may review the continuation of
melakukan peninjauan ulang atas kelanjutan hubungan kerja the partnership. Through the implementation of sustainable
sama. Melalui penerapan pengadaan berkelanjutan ini, OK BANK procurement, OK BANK strives to strengthen supply chain risk
berupaya memperkuat pengelolaan risiko rantai pasokan management while supporting responsible and sustainable
sekaligus mendukung praktik bisnis yang bertanggung jawab business practices. [GRI 3-3]
dan berkelanjutan. [GRI 3-3]
Sampai dengan akhir tahun 2025, OK BANK belum menerapkan Until the end of 2025, OK BANK had not yet implemented
kebijakan formal yang secara khusus mengatur proses a formal policy specifically governing the supplier selection
seleksi pemasok berdasarkan kriteria lingkungan dan sosial. process based on environmental and social criteria. Therefore,
Dengan demikian, belum terdapat pemasok yang diseleksi no suppliers have been selected using such criteria in
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menggunakan kriteria tersebut dalam proses pengadaan the procurement of goods and services. Nevertheless,
barang dan jasa. Meskipun demikian, OK BANK tetap OK BANK ensures that all suppliers comply with applicable
memastikan bahwa seluruh pemasok memenuhi persyaratan general requirements, including adherence to legal provisions
umum yang berlaku, termasuk kepatuhan terhadap ketentuan and established operational standards. In the future, OK BANK
hukum dan standar operasional yang ditetapkan. Ke depan, aims to develop policies and supplier selection mechanisms
OK BANK berupaya untuk mengembangkan kebijakan dan that integrate environmental and social aspects as part of
mekanisme seleksi pemasok yang mengintegrasikan aspek efforts to strengthen sustainable procurement practices.
lingkungan dan sosial sebagai bagian dari upaya memperkuat [GRI 308-1, 414-1]
praktik pengadaan berkelanjutan. [GRI 308-1, 414-1]
Dampak Ekonomi Tidak Langsung [GRI 203-2] Indirect Economic Impact [GRI 203-2]
OK BANK berperan dalam menciptakan dampak ekonomi tidak OK BANK plays a role in creating indirect economic impacts
langsung melalui berbagai inisiatif yang mendorong inklusi through various initiatives that promote financial inclusion
dan literasi keuangan di masyarakat. Upaya ini difokuskan and literacy in the community. These efforts are focused
pada perluasan akses terhadap layanan perbankan, khususnya on expanding access to banking services, particularly for
bagi segmen masyarakat yang belum sepenuhnya terjangkau segments of society that are not yet fully reached by the formal
oleh sistem keuangan formal. Dengan semakin terbukanya financial system. With increasing access to financial products
akses terhadap produk dan layanan keuangan, masyarakat and services, people have greater opportunities to manage
memiliki peluang yang lebih besar untuk mengelola their finances safely, systematically, and productively.
keuangan secara aman, terencana, dan produktif.
Melalui kegiatan literasi keuangan, OK BANK turut membangun Through financial literacy activities, OK BANK also helps
pemahaman masyarakat mengenai pengelolaan keuangan, build public understanding of financial management,
pemanfaatan produk perbankan, dan pentingnya perencanaan the use of banking products, and the importance of long-
keuangan jangka panjang. Peningkatan pemahaman term financial planning. This increased understanding
ini mendorong perubahan perilaku keuangan yang lebih encourages more responsible financial behavior, enabling
bertanggung jawab, sehingga masyarakat mampu mengambil individuals to make better economic decisions. The impact of
keputusan ekonomi yang lebih tepat. Dampak dari peningkatan improved literacy is felt not only at the individual level but also
literasi tersebut tidak hanya dirasakan secara individu, tetapi contributes to strengthening economic activity at the family
juga berkontribusi pada penguatan aktivitas ekonomi di tingkat and community levels.
keluarga dan komunitas.
Secara tidak langsung, program inklusi dan literasi keuangan Indirectly, OK BANK’s financial inclusion and literacy
yang dijalankan OK BANK memberikan efek berganda terhadap programs generate a multiplier effect on the economy.
perekonomian. Akses ke layanan keuangan yang lebih luas Broader access to financial services stimulates business
mendorong tumbuhnya aktivitas usaha, meningkatkan daya activity, increases purchasing power, and strengthens local
beli, dan memperkuat perputaran ekonomi lokal. Dalam economic circulation. In the long term, these contributions
jangka panjang, kontribusi ini mendukung terciptanya struktur support the creation of a more inclusive and resilient economic
ekonomi yang lebih inklusif dan berdaya tahan, sejalan structure, in line with OK BANK’s role as an intermediary
dengan peran OK BANK sebagai lembaga intermediasi yang institution supporting national economic growth.
mendukung pertumbuhan ekonomi nasional.
Program Inklusi dan Literasi Keuangan Financial Inclusion and Literacy Program
OK BANK aktif melaksanakan program inklusi dan literasi OK BANK actively implements financial inclusion and literacy
keuangan sebagai bagian dari upaya meningkatkan akses programs as part of efforts to increase public access to
masyarakat terhadap layanan perbankan dan pemahaman banking services and understanding of healthy financial
terhadap pengelolaan keuangan yang sehat. management.
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Program Inklusi Keuangan Financial Inclusion Program
Sepanjang tahun 2025, OK BANK telah menyelenggarakan Throughout 2025, OK BANK conducted financial inclusion
program inklusi keuangan sebanyak 2 (dua) kali dengan tema programs twice under the themes “Accelerating Together,
“Nge-Gas Bareng, Nabung Bareng OK BANK” dan “Solusi Saving Together with OK BANK” and “Smart Solution for
Cerdas Pembiayaan Karyawan: OK KTA Payroll Loan”. Informasi Employee Financing: OK KTA Payroll Loan”.
lebih lengkap mengenai program inklusi keuangan yang
dilaksanakan OK BANK diuraikan sebagai berikut:
Nge-Gas Bareng, Nabung Bareng OK BANK
Accelerating Together, Saving Together with OK BANK
Untuk memperluas jangkauan produk dan layanan OK BANK
kepada komunitas yang potensial, sekaligus membangun
hubungan emosional dan kepercayaan antara OK BANK dan
komunitas lokal.
This initiative aims to expand the coverage of OK BANK’s
products and services to potential communities, while also
building emotional connections and trust between OK BANK
and local communities.
Solusi Cerdas Pembiayaan Karyawan: OK KTA Payroll Loan
Smart Solution for Employee Financing: OK KTA Payroll Loan
Kegiatan ini bertujuan untuk meningkatkan akses layanan
keuangan kepada karyawan melalui penyediaan produk
pembiayaan yang mudah, cepat, dan terjangkau. Selain itu,
Bank juga berupaya mendorong peningkatan literasi keuangan
agar karyawan memahami manfaat serta penggunaan produk
keuangan secara bijak.
This initiative is intended to enhance access to financial
services for employees through the provision of financing
products that are easy, fast, and affordable. In addition, the
Bank seeks to promote financial literacy so that employees
understand the benefits and prudent use of financial products.
Literasi Keuangan Financial Literacy
Selain program inklusi keuangan, OK BANK juga merealisasikan In addition to financial inclusion programs, OK BANK also
program literasi keuangan yang diselenggarakan sebanyak implemented financial literacy programs twice throughout
2 (dua) kali sepanjang tahun 2025 dengan tema “Ayo Menabung” 2025 under the themes “Let’s Save” and “Be Smart in Managing
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dan “Ayo Pintar Atur Uang Jajan”. Informasi lebih lengkap Your Allowance”. More detailed information regarding
mengenai program literasi keuangan yang dilaksanakan the financial literacy programs implemented by OK BANK is
OK BANK diuraikan sebagai berikut: described as follows:
Ayo Menabung
Let’s Save
Kegiatan literasi keuangan melalui program edukasi “Ayo
Menabung” ini bertujuan untuk menanamkan pemahaman
sejak dini kepada pelajar khususnya mengenai pentingnya
pengelolaan keuangan yang bijak, khususnya kebiasaan
menabung. Melalui kegiatan ini, Bank berupaya meningkatkan
literasi keuangan di kalangan generasi muda sekaligus
memperluas akses terhadap layanan perbankan.
This financial literacy initiative, delivered through the “Let’s
Save” educational program, aims to instill early awareness
among students, particularly regarding the importance of
prudent financial management, especially the habit of saving.
Through this activity, the Bank attempts to enhance financial
literacy among the younger generation while expanding access
to banking services.
Ayo Pintar Atur Uang Jajan
Be Smart in Managing Your Allowance
Kegiatan edukasi keuangan melalui program “Ayo Pintar Atur
Uang Jajan” bertujuan untuk meningkatkan pemahaman
pelajar Sekolah Dasar mengenai pentingnya pengelolaan
keuangan sejak dini. Melalui program ini, Bank mendorong
terbentuknya kebiasaan mengatur uang secara bijak, termasuk
menabung dan membedakan antara kebutuhan dan keinginan.
The financial education through “Be Smart in Managing Your
Allowance” program aims to improve Elementary School
students’ understanding of the importance of financial
management from an early age. Through this program,
the Bank encourages the development of responsible financial
habits, including saving and distinguishing between needs
and wants.
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Kinerja Lingkungan Hidup Berkelanjutan
Sustainable Environmental Performance
OK BANK berkomitmen dalam mendukung praktik bisnis yang OK BANK is committed to supporting environmentally
ramah lingkungan sebagai bagian dari tanggung jawab terhadap friendly business practices as part of its responsibility for
keberlanjutan. OK BANK mendorong penerapan kebijakan dan sustainability. The Bank encourages the implementation of
kegiatan operasional yang meminimalkan dampak lingkungan, policies and operational activities that minimize environmental
termasuk efisiensi penggunaan sumber daya, pengelolaan impact, including efficient resource usage, waste management,
limbah, dan adopsi teknologi serta proses yang lebih bersih. and the adoption of cleaner technologies and processes.
Kebijakan Umum Aspek Lingkungan General Policy on Environmental Aspects
Kesadaran terhadap pentingnya perlindungan lingkungan Awareness of the importance of environmental protection has
hidup semakin menjadi bagian yang tidak terpisahkan dari increasingly become an integral part of business practices
praktik bisnis di sektor jasa keuangan. Aktivitas perbankan, in the financial services sector. Although banking activities
meskipun tidak bersentuhan langsung dengan eksploitasi do not directly involve the exploitation of natural resources,
sumber daya alam, tetap memiliki peran strategis dalam they still play a strategic role in influencing development
memengaruhi arah pembangunan melalui pembiayaan, directions through financing, internal policies, and business
kebijakan internal, dan pengambilan keputusan bisnis. decision-making. Therefore, the integration of environmental
Oleh karena itu, integrasi aspek lingkungan dalam tata aspects into OK BANK’s governance serves as an important
kelola OK BANK menjadi fondasi penting untuk mendukung foundation to support responsible economic growth.
pertumbuhan ekonomi yang bertanggung jawab.
Dalam menjalankan kegiatan usahanya, OK BANK menetapkan In conducting its business activities, OK BANK establishes
kebijakan umum aspek lingkungan sebagai pedoman untuk general environmental policies as guidelines to ensure
memastikan kepatuhan terhadap ketentuan peraturan compliance with applicable laws and regulations. These
perundang-undangan yang berlaku. Kebijakan tersebut disusun policies are formulated with reference to Law Number 32 of
dengan mengacu pada Undang-Undang Nomor 32 Tahun 2009 2009 on Environmental Protection and Management, which
tentang Perlindungan dan Pengelolaan Lingkungan Hidup, emphasizes the importance of prevention, control, and
yang menekankan pentingnya pencegahan, pengendalian, management of environmental impacts. This legal foundation
dan pengelolaan dampak lingkungan. Landasan hukum ini serves as a reference for OK BANK in building internal
menjadi acuan OK BANK dalam membangun kesadaran awareness and promoting business practices that consider
internal dan mendorong praktik usaha yang memperhatikan environmental risks and impacts.
risiko serta dampak lingkungan.
Selain itu, OK BANK juga mengikuti ketentuan OJK Furthermore, OK BANK follows OJK regulations through
melalui POJK Nomor 51/POJK.03/2017 yang mewajibkan POJK Number 51/POJK.03/2017, which requires all issuers and
seluruh emiten dan pelaku industri jasa keuangan untuk financial service industry participants to prepare and submit
menyusun dan menyampaikan RAKB. RAKB ini menjadi the RAKB. This RKAB serves as a planning instrument used by
instrumen perencanaan yang digunakan OK BANK untuk OK BANK to gradually integrate environmental aspects into its
mengintegrasikan aspek lingkungan ke dalam strategi bisnis business and operational strategies, while also demonstrating
dan operasional secara bertahap, sekaligus sebagai bentuk its commitment to long-term risk management.
komitmen terhadap pengelolaan risiko jangka panjang.
Sebagai bagian dari akuntabilitas dan transparansi, OK BANK As part of accountability and transparency, OK BANK periodically
secara berkala melaporkan pelaksanaan program dan capaian reports on program implementation and achievements through
yang telah dilakukan melalui Laporan Keberlanjutan. Pelaporan the Sustainability Report. This reporting reflects OK BANK’s
ini mencerminkan upaya OK BANK dalam memastikan bahwa efforts to ensure that the policies and initiatives carried out
kebijakan dan inisiatif yang dijalankan sejalan dengan rencana are aligned with the established plans. Through this approach,
yang telah ditetapkan. Dengan pendekatan tersebut, OK BANK OK BANK seeks to play an active role in supporting
berupaya menjalankan peran aktif dalam mendukung perlindungan environmental protection while maintaining a balance between
lingkungan hidup sekaligus menjaga keseimbangan antara business performance and environmental responsibility.
kinerja usaha dan tanggung jawab terhadap lingkungan.
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Kebijakan Aspek Perlindungan Lingkungan Policy on Environmental Protection Aspects
Saat ini, OK BANK belum memiliki kebijakan internal yang secara Currently, OK BANK does not have an internal policy specifically
khusus mengatur pencapaian tujuan keberlanjutan pada aspek governing the achievement of sustainability objectives in
lingkungan. Meski demikian, hal ini tidak menutup kemungkinan the environmental aspect. Nevertheless, this does not preclude
bagi OK BANK untuk merancang dan mengimplementasikan OK BANK from designing and implementing an environmental
kebijakan lingkungan di masa depan, seiring dengan policy in the future, in line with growing awareness of
meningkatnya kesadaran akan pentingnya perlindungan the importance of environmental protection and the role
lingkungan dan kontribusi institusi keuangan dalam mendorong of financial institutions in promoting sustainable business
praktik bisnis yang berkelanjutan. Langkah ini diharapkan practices. This step is expected to serve as a foundation for
dapat menjadi fondasi bagi OK BANK untuk mengintegrasikan OK BANK to integrate sustainability principles into its operations
prinsip keberlanjutan dalam operasionalnya, sekaligus while delivering positive impacts for the environment and
memberikan dampak positif bagi lingkungan dan masyarakat. society.
Target Kegiatan terkait Aspek Lingkungan Target Activities related to Environmental Aspects
Penetapan target kegiatan terkait aspek lingkungan merupakan Determining targets for environmental activities is an important
bagian penting dalam upaya OK BANK untuk mengelola dampak part of OK BANK’s efforts to manage environmental impacts
lingkungan secara terarah dan terukur. Melalui penentuan target, in a focused and measurable manner. By establishing these
OK BANK memiliki panduan yang jelas dalam merencanakan, targets, OK BANK has clear guidance in planning, implementing,
melaksanakan, dan mengevaluasi berbagai inisiatif lingkungan and evaluating various environmental initiatives integrated
yang terintegrasi dengan kegiatan operasional. Adapun target with operational activities. The targets OK BANK aims to
yang ingin dicapai OK BANK meliputi: achieve include:
1. Pengurangan penggunaan kertas dan plastik; 1. Reduction in the use of paper and plastic;
2. Penggantian kendaraan operasional OK BANK menjadi 2. Gradual replacement of OK BANK’s operational vehicles
kendaraan listrik secara bertahap sebagai bagian dari with electric vehicles as part of energy efficiency and
inisiatif efisiensi energi dan pengurangan emisi dalam emissions reduction initiatives in operational activities;
kegiatan operasional;
3. Penggantian penggunaan lampu biasa menjadi LED 3. Replacement of conventional lighting with LED lights as
sebagai bentuk penghematan energi; serta a form of energy saving; and
4. Membatasi penggunaan pendingin ruangan untuk lembur 4. Limiting the use of air conditioning during overtime to
maksimal 2 (dua) jam setelah pulang kantor. a maximum of 2 (two) hours after office hours.
Program-Program Pengelolaan Lingkungan Environmental Management Programs
yang Dijalankan
Penggunaan Materi dan Produk Ramah Use of Environmentally Friendly Materials and
Lingkungan [POJK F.5] Products [POJK F.5]
Dalam upaya mendukung pengelolaan lingkungan, OK BANK As an effort to support environmental management, OK
mengambil langkah-langkah konkret untuk meminimalkan BANK has taken concrete steps to minimize the use of
penggunaan materi dan produk yang berdampak negatif materials and products that have a negative impact on
terhadap alam. Salah satu inisiatif yang dijalankan adalah nature. One initiative implemented is prioritizing the use
memprioritaskan pemanfaatan kertas bekas dalam berbagai of recycled paper in various operational activities, thereby
kegiatan operasional, sekaligus mengurangi ketergantungan reducing dependence on new materials. This step not
pada bahan baru. Langkah ini tidak hanya membantu only helps conserve resources but also promotes a work
menghemat sumber daya, tetapi juga mendorong budaya kerja culture that is more efficient and environmentally responsible.
yang lebih efisien dan bertanggung jawab terhadap lingkungan.
Selain itu, penggunaan plastik dalam kegiatan sehari-hari juga Moreover, the use of plastic in daily activities is also minimized.
diminimalkan. OK BANK secara aktif mengurangi pemakaian air OK BANK actively reduces the consumption of single-use
minum kemasan sekali pakai dan menggantinya dengan alternatif bottled water and replaces it with more environmentally
yang lebih ramah lingkungan. Upaya ini sejalan dengan langkah friendly alternatives. This effort aligns with global initiatives
global untuk menekan produksi sampah plastik dan mengurangi to curb plastic waste production and reduce the burden on
beban terhadap sistem pengelolaan limbah. Dengan mengurangi waste management systems. By reducing the consumption of
konsumsi produk sekali pakai, OK BANK berkontribusi pada single-use products, OK BANK contributes to the reduction of
pengurangan limbah yang sulit terurai di lingkungan. non-biodegradable waste in the environment.
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OK BANK juga mengedukasi karyawan dan mitra terkait OK BANK also educates employees and partners on
pentingnya penggunaan produk yang dapat digunakan ulang. the importance of using reusable products. Through internal
Melalui kampanye internal dan sosialisasi, OK BANK mendorong campaigns and socialization efforts, OK BANK encourages
praktik penggunaan botol, wadah, dan perlengkapan lain yang the practice of using reusable bottles, containers, and other
bersifat reusable. Pendekatan ini tidak hanya menanamkan equipment. This approach not only instills awareness of more
kesadaran akan pengelolaan sumber daya yang lebih bijak, prudent resource management but also fosters a work culture
tetapi juga membangun budaya kerja yang selaras dengan aligned with the principles of sustainable environmental
prinsip tanggung jawab lingkungan secara berkelanjutan. responsibility.
Informasi mengenai penggunaan kertas OK BANK selama Information regarding OK BANK’s paper usage over the last
3 (tiga) tahun terakhir diuraikan sebagai berikut: 3 (three) years is described as follows:
Volume Penggunaan Kertas OK BANK
OK BANK Paper Usage Volume
2025* 2024* 2023**
1.912 Rim
Ream 1.871 Rim
Ream 1.000 Rim
Ream
* Penggunaan kertas kantor pusat dan kantor cabang. / Paper usage at head office and branch offices.
** Penggunaan kertas kantor pusat. / Paper usage at head office.
Pengelolaan Konsumsi Energi dan Intensitas Management of Energy Consumption and Energy
Energi [POJK F.6, F.7] Intensity [POJK F.6, F.7]
Pengelolaan konsumsi energi menjadi salah satu perhatian Energy consumption management is one of focuses of
dalam kegiatan operasional OK BANK, seiring dengan kebutuhan OK BANK’s operational activities, in line with the need to
untuk menjaga efektivitas operasional dan mengendalikan maintain operational efficiency and control energy intensity.
intensitas energi. Dalam menjalankan aktivitas sehari-hari, In carrying out daily operations, OK BANK utilizes primary
OK BANK memanfaatkan sumber energi utama berupa listrik energy sources, namely Electricity and Fuel (BBM), to
dan Bahan Bakar Minyak (BBM) untuk mendukung operasional support office operations and business mobility. Planned
kantor serta mobilitas kegiatan usaha. Pengelolaan yang management of these energy sources is conducted to
terencana terhadap kedua sumber energi tersebut dilakukan ensure energy use remains aligned with operational needs
agar penggunaan energi tetap selaras dengan kebutuhan and the development of OK BANK’s activities. [GRI 3-3]
operasional dan perkembangan aktivitas OK BANK. [GRI 3-3]
Sejalan dengan dinamika operasional, OK BANK terus In line with operational dynamics, OK BANK continuously
menyesuaikan strategi pengelolaan energi, termasuk melalui adjusts its energy management strategy, including through the
pemanfaatan teknologi dan sarana pendukung yang lebih use of more efficient technologies and supporting facilities.
efisien. Salah satu langkah yang dilakukan adalah peningkatan One measure implemented is the gradual increase in the use
penggunaan unit kendaraan listrik untuk keperluan of electric vehicles for operational purposes year by year.
operasional dari tahun ke tahun. Inisiatif ini diharapkan This initiative is expected to support better management of
dapat mendukung pengelolaan intensitas energi secara energy intensity while keeping pace with the development of
lebih baik, sekaligus menyesuaikan dengan perkembangan environmentally friendly transportation technologies.
teknologi transportasi yang semakin ramah lingkungan.
OK BANK juga telah merealisasikan berbagai program OK BANK has also implemented various programs to reduce
penghematan konsumsi energi listrik yang diuraikan sebagai electricity consumption, which are described as follows:
berikut: [GRI 302-4] [GRI 302-4]
1. Mematikan alat elektronik maupun peralatan listrik 1. Turning off electronic devices and supporting electrical
pendukung saat tidak digunakan; equipment when not in use;
2. Mematikan lampu dan pendingin ruangan ketika jam 2. Switching off lights and air conditioning during break times
istirahat dan pada waktu pulang; and after office hours;
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3. Menggunakan lampu-lampu penerangan jenis LED yang 3. Using energy-efficient LED lighting;
lebih hemat listrik;
4. Mematikan lift di kantor pusat; 4. Turning off elevators at the head office;
5. Tidak menyalakan lampu apabila cahaya dari luar 5. Not turning on lights when there is sufficient natural light
mencukupi; from outside;
6. Membatasi penggunaan pendingin ruangan untuk lembur 6. Limiting the use of air conditioning during overtime
(maksimal 2 (dua) jam setelah pulang kantor); (maximum of 2 (two) hours after office hours);
7. Menyalakan pendingin ruangan mulai pukul 07.30 WIB; 7. Turning on air conditioning starting from 07:30 AM; and
serta
8. Mengatur seluruh alat elektronik dengan program saving 8. Setting all electronic devices to saving mode.
mode.
Terkait penggunaan BBM, OK BANK menerapkan sejumlah Regarding fuel usage, OK BANK implements several
langkah pengelolaan untuk menekan konsumsi secara lebih management measures to optimize consumption.
optimal. OK BANK mengutamakan penggunaan kendaraan OK BANK prioritizes the use of fuel-efficient vehicles and
yang hemat bahan bakar dan melakukan perawatan kendaraan conducts regular and periodic maintenance to ensure
secara rutin serta berkala guna menjaga kinerja mesin tetap engine performance remains optimal. In addition, business
optimal. Selain itu, pengendalian perjalanan dinas juga travel is controlled to ensure mobility is conducted
dilakukan untuk memastikan mobilitas dilakukan secara effectively and as needed, allowing fuel consumption to be
efektif dan sesuai kebutuhan, sehingga konsumsi BBM dapat managed more efficiently and measurably. [GRI 302-4]
dikelola dengan lebih efisien dan terukur. [GRI 302-4]
Informasi mengenai penggunaan energi OK BANK selama Information regarding OK BANK’s energy usage over the last
3 (tiga) tahun terakhir diuraikan sebagai berikut: 3 (three) years is described as follows:
TABEL KONSUMSI DAN INTENSITAS ENERGI OK BANK [POJK F.6, F.7] [GRI 302-1, 302-3, 302-4]
Table of OK BANK Energy Consumption and Intensity
Perubahan
Uraian Satuan Changes
No. 2025 2024 2023
Description Unit (%)
2025
Listrik [ESG E-03] KwH 1.045.471 996.259 681.045 4,94
1.
Electricity GigaJoules 3.764 3.587 2.452 4,93
BBM Transportasi/Operasional Kiloliter 124,30 173,06 43,89 (28,18)
2.
Transportation/Operational Fuel GigaJoules 4.094 5.626 1.454 (27,24)
BBM Genset Kiloliter 7,26 5,63 9,31 28,95
3.
Generator Fuel GigaJoules 266 206 341 29,11
Jumlah Konsumsi Energi
GigaJoules 8.123 9.419 4.246 (13,76)
Total Energy Consumption
Jumlah Luas Bangunan
m2 5.943 9.415 9.221 (36,88)
Total Area of Buildings
Intensitas Konsumsi Energi
GigaJoules/m2 1,37 1,00 0,46 36,63
Energy Consumption Intensity
Efisiensi Konsumsi Energi
GigaJoules/m2 (0,37) (0,54) 0,04 32,12
Energy Consumption Efficiency
TABEL INFORMASI GEDUNG OK BANK
Table of OK BANK Building Information
Lokasi Luas Area (m2)
No.
Location Area (m2)
1. Wahid Hasyim 462
2. Bandung 174
3. Taman Ratu 279
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Lokasi Luas Area (m2)
No.
Location Area (m2)
4. Pondok Indah 280
5. Batu Ceper 551
6. Gading Serpong 200
7. Perniagaan 146
8. Denpasar 500
9. Mangga Dua 348
10. Sudirman 203
11. Kelapa Gading 342
12. Cikarang 112
13. PIK 263
14. Semarang 250
15. Surabaya 600
16. Juanda 1.233
Jumlah
5.943
Total
Pada tahun 2025, OK BANK mencatatkan penggunaan energi In 2025, OK BANK recorded total energy consumption of
sebesar 8.123 GJ, menurun 13,76% dibandingkan tahun 2024 8,123 GJ, a decrease of 13.76% compared to 9,419 GJ in
sebesar 9.419 GJ. Penurunan konsumsi energi ini dipengaruhi 2024. The decrease in energy consumption is influenced by
oleh inisiatif OK BANK yang secara bertahap mulai beralih OK BANK’s initiative to gradually transition to electric
menggunakan kendaraan operasional listrik, sehingga operational vehicles, thereby supporting energy efficiency and
mendukung efisiensi penggunaan energi serta pengurangan reducing emissions in operational activities.
emisi dalam kegiatan operasional.
Pengelolaan Emisi Gas Rumah Kaca Greenhouse Gas Emission Management
[POJK F.11, F.12] [POJK F.11, F.12]
OK BANK menyadari pentingnya peran sektor jasa keuangan OK BANK recognizes the important role of the financial
dalam mendukung upaya pengendalian perubahan iklim, services sector in supporting efforts to control climate change,
termasuk melalui pengelolaan emisi GRK. Sebagai bagian including through the management of GHG emissions. As part
dari komitmen terhadap keberlanjutan, OK BANK secara of its commitment to sustainability, OK BANK is gradually
bertahap mengintegrasikan aspek lingkungan dalam integrating environmental aspects into its operational activities
kegiatan operasional dengan mendorong praktik kerja by promoting more environmentally friendly work practices.
yang lebih ramah lingkungan. Upaya ini dilakukan sebagai This effort is a manifestation of OK BANK’s responsibility to
bentuk tanggung jawab OK BANK dalam meminimalkan minimize environmental impacts arising from daily operational
dampak lingkungan yang timbul dari aktivitas operasional activities. [GRI 3-3]
sehari-hari. [GRI 3-3]
Dalam pengelolaan emisi GRK, OK BANK berfokus pada In managing GHG emissions, OK BANK focuses on reducing
pengurangan sumber emisi tidak langsung yang berasal dari indirect emission sources originating from energy use,
penggunaan energi, transportasi, dan aktivitas pendukung transportation, and other operational support activities.
operasional lainnya. OK BANK mendorong efisiensi energi OK BANK encourages energy efficiency in the workplace,
di lingkungan kerja, optimalisasi penggunaan teknologi, optimization of technology use, and the implementation of
dan penerapan kebijakan internal yang mendukung internal policies that support carbon footprint reduction. This
pengurangan jejak karbon. Pendekatan ini dilakukan approach is carried out sustainably, in line with OK BANK’s
secara berkelanjutan dengan menyesuaikan kapasitas operational capacity and needs. [GRI 3-3]
dan kebutuhan operasional OK BANK. [GRI 3-3]
OK BANK berkomitmen untuk terus meningkatkan kesadaran OK BANK is committed to continuously raising awareness
dan partisipasi seluruh insan Bank dalam pengelolaan emisi and encouraging participation among all Bank personnel in
GRK. Melalui evaluasi berkala dan perbaikan berkelanjutan, managing GHG emissions. Through periodic evaluation and
OK BANK berupaya memperkuat kontribusinya terhadap upaya continuous improvement, OK BANK attempts to strengthen
mitigasi perubahan iklim, sejalan dengan tujuan pembangunan its contribution to climate change mitigation efforts, in line
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berkelanjutan dan komitmen terhadap pelestarian with sustainable development goals and its commitment to
lingkungan hidup. Terkait dengan evaluasi, OK BANK secara environmental preservation. Regarding evaluation, OK BANK
berkesinambungan melakukan pengukuran jumlah emisi yang continuously measures the amount of emissions generated
dihasilkan dengan menggunakan metode pengukuran yang using internationally recognized measurement methods,
berlaku secara internasional, yaitu Intergovernmental Panel on namely those of the Intergovernmental Panel on Climate
Climate Change (IPCC). Secara metode, pengukuran tersebut Change (IPCC). Methodologically, these measurements are
menggunakan pendekatan sebagai berikut: [GRI 3-3] conducted using the following approach: [GRI 3-3]
Emisi GRK Cakupan 1
Scope 1 GHG Emissions
ΣEmisi = Konsumsi Bahan Bakar (liter) x Faktor Emisi (Kg/Tj)2 x NCV (Tj/liter)
ΣEmissions = Fuel Consumption (liters) x Emission Factor (Kg/Tj)2 x NCV (Tj/liter)
Emisi GRK Cakupan 2
Scope 2 GHG Emissions
ΣEmisi = Konsumsi Listrik (kWh) x Faktor Emisi (kgCO2/kWh)
ΣEmissions = Electricity Consumption (kWh) x Emission Factor (kgCO2/kWh)
Selain itu, OK BANK juga melakukan pengelompokan jumlah Moreover, OK BANK also classifies the amount of GHG
emisi GRK yang dihasilkan berdasarkan pedoman GHG emissions generated based on the GHG Protocol guidelines.
Protocol. Sampai dengan akhir tahun 2025, OK BANK baru Until the end of 2025, OK BANK had conducted measurements
melakukan pengukuran emisi GRK Cakupan 1 yang dihasilkan only for Scope 1 GHG emissions, which resulted from stationery
dari pembakaran stasioner dan bergerak. Sedangkan emisi and mobile combustion. Meanwhile, Scope 2 GHG emissions
GRK Cakupan 2 tidak langsung dihasilkan dari penggunaan were indirectly generated from the use of PLN electricity.
listrik PLN. Ke depan, OK BANK akan terus mengupayakan In the future, OK BANK will continue to pursue more
pengukuran yang lebih komprehensif. comprehensive measurements.
Informasi jumlah emisi GRK yang dihasilkan OK BANK selama Information regarding the amount of GHG emissions generated
3 (tiga) tahun terakhir diuraikan sebagai berikut: by OK BANK over the last 3 (three) years is described as follows:
TABEL EMISI GRK DAN INTENSITAS EMISI GRK OK BANK [ESG E-01] [GRI 305-1, 305-2, 305-4, 305-5]
Table of OK BANK GHG Emissions and Its Intensity
Perubahan
Uraian Satuan Changes
2025 2024 2023
Description Unit (%)
2025
Emisi GRK Cakupan 1
Scope 1 GHG Emissions
Emisi Langsung dari Pembakaran Stasioner
TonCO2e 19,28 14,94 24,72 29,04
Direct Emissions from Stationary Combustion
Emisi Langsung dari Pembakaran Bergerak
TonCO2e 287,75 400,63 101,61 (28,17)
Direct Emissions from Mobile Combustion
Jumlah Emisi Cakupan 1
TonCO2e 307,03 415,57 126,33 (26,12)
Total Scope 1 Emissions
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Perubahan
Uraian Satuan Changes
2025 2024 2023
Description Unit (%)
2025
Emisi GRK Cakupan 2 Tidak Langsung
Indirect Scope 2 GHG Emissions
Emisi Tidak Langsung dari Konsumsi Listrik yang
Dibeli dari PLN
TonCO2e 982,74 936,48 640,18 4,94
Indirect Emissions from Electricity Consumption
Purchased from PLN
Jumlah Emisi Cakupan 2
TonCO2e 982,74 936,48 640,18 4,94
Total Scope 2 Emissions
Jumlah Emisi Cakupan 1 dan 2
TonCO2e 1.289,77 1.352,05 766,51 (4,61)
Total Scope 1 and 2 Emissions
Intensitas Emisi GRK
GHG Emission Intensity
2025 2024 2023
0,217 0,0144 0,083
Ton CO2eq/m2 Ton CO2eq/m2 Ton CO2eq/m2
Efisiensi Emisi GRK
GHG Emission Efficiency
2025 2024 2023
(0,073) (0,060) 0,007
Ton CO2eq/m2 Ton CO2eq/m2 Ton CO2eq/m2
Intensitas Emisi GRK Dibandingkan dengan Pendapatan Bunga - Bersih [ESG E-02]
GHG Emission Intensity Compared to Net Interest Income
2025 2024 2023
0,0019 0,0022 0,0013
Ton CO2eq/Juta Rupiah Ton CO2eq/Juta Rupiah Ton CO2eq/Juta Rupiah
Ton CO2eq/Million Rupiah Ton CO2eq/Million Rupiah Ton CO2eq/Million Rupiah
Sepanjang tahun 2025, OK BANK menghasilkan emisi GRK Throughout 2025, OK BANK generated direct GHG emissions
langsung (Cakupan 1) dari penggunaan bahan bakar minyak (Scope 1) from fuel use of 307.03 Tons CO2eq. This represents
sebesar 307,03 Ton CO2eq. Hasil tersebut menurun 26,12% a decrease of 26.12% compared to the previous year of
dibandingkan tahun sebelumnya sebesar 415,57 Ton CO2eq. 415.57 Tons CO2eq. Meanwhile, indirect GHG emissions
Sementara itu, emisi GRK tidak langsung (Cakupan 2) (Scope 2) from electricity consumption also increased by 4.94%
dari penggunaan listrik juga meningkat 4,94% dibandingkan compared to the previous year, reaching 982.74 Tons CO2eq.
tahun sebelumnya menjadi 982,74 Ton CO2eq. Kondisi ini This condition is mainly influenced by the shift from
terutama dipengaruhi oleh peralihan kendaraan operasional fuel-based operational vehicles to electric vehicles, which are
dari kendaraan berbahan bakar minyak menjadi kendaraan more environmentally friendly and support energy efficiency in
listrik, yang lebih ramah lingkungan dan mendukung efisiensi OK BANK’s operations.
energi dalam kegiatan operasional OK BANK.
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Komitmen terhadap Pencapaian Net Zero Commitment to Achieving Net Zero Emission and
Emission dan Efisiensi Emisi Gas Rumah Kaca Greenhouse Gas Emission Efficiency [ESG E-06, 07]
[ESG E-06, 07] [GRI 305-5] [GRI 305-5]
OK BANK menunjukkan komitmen yang kuat terhadap upaya OK BANK demonstrates a strong commitment to climate
mitigasi perubahan iklim melalui dukungan terhadap target change mitigation efforts by supporting the Net Zero Emission
pencapaian Net Zero Emission yang ditetapkan Pemerintah target set by the Government of Indonesia for 2060. This
Indonesia pada tahun 2060. Komitmen dukungan ini merupakan commitment forms part of OK BANK’s sustainability strategy,
bagian dari strategi keberlanjutan OK BANK yang terintegrasi which is integrated into its operational policies and governance,
dengan kebijakan operasional dan tata kelola OK BANK, serta and reflects OK BANK responsibility in supporting both global
mencerminkan tanggung jawab OK BANK dalam mendukung and national agendas related to GHG emission control.
agenda global dan nasional terkait pengendalian emisi GRK. As a concrete step, OK BANK conducts regular supervision and
Sebagai langkah konkret, OK BANK melakukan pengawasan monitoring of energy consumption, fuel usage, and operational
dan monitoring secara berkala terhadap konsumsi energi, activities that contribute to GHG emissions.
penggunaan bahan bakar, serta aktivitas operasional yang
berkontribusi terhadap emisi GRK.
Sejalan dengan dukungan terhadap pencapaian Net Zero In line with its support for achieving Net Zero Emission,
Emission, OK BANK melakukan pengawasan dan monitoring OK BANK monitors and supervises various initiatives to
terhadap berbagai inisiatif untuk meningkatkan efisiensi improve energy efficiency, optimize work processes, and reduce
energi, mengoptimalkan proses kerja, dan mengurangi environmental impacts. The adoption of environmentally
dampak lingkungan. Penerapan praktik operasional yang friendly operational practices, regular monitoring of emissions,
ramah lingkungan, pemantauan emisi secara berkala, dan and efficient resource management are all part of OK BANK’s
pengelolaan sumber daya secara efisien menjadi bagian dari efforts to lower its carbon footprint. Through these measures,
upaya OK BANK dalam menurunkan jejak karbon. Dengan OK BANK aims to strengthen its contribution to sustainable
langkah-langkah tersebut, OK BANK berupaya memperkuat development and support a lower-carbon future. In the future,
kontribusinya dalam pembangunan berkelanjutan dan OK BANK will continue to strengthen emissions management
mendukung masa depan yang lebih rendah karbon. Ke depan, through enhanced measurement systems, reporting, and
OK BANK akan terus memperkuat pengelolaan emisi melalui internal policies to support contributions toward achieving the
peningkatan sistem pengukuran, pelaporan, dan kebijakan national Net Zero Emission target.
internal guna mendukung kontribusi terhadap pencapaian
target Net Zero Emission nasional.
Upaya dan Pencapaian Pengurangan Emisi Zat Efforts and Achievements of Ozone-Depleting
Perusak Ozon [GRI 305-6] Substances Emission Reduction [GRI 305-6]
Perhatian terhadap perlindungan lapisan ozon menjadi bagian Attention to ozone layer protection becomes a part of
dari upaya OK BANK dalam mengelola dampak lingkungan yang OK BANK’s efforts to manage environmental impacts arising
timbul dari kegiatan operasional. Meskipun aktivitas perbankan from its operational activities. Although banking activities
tidak berkaitan langsung dengan penggunaan bahan kimia are not directly related to the large-scale use of hazardous
berbahaya dalam skala besar, pengelolaan fasilitas gedung chemicals, the management of building facilities and supporting
dan peralatan penunjang tetap memerlukan perhatian khusus equipment still requires special attention to avoid negative
agar tidak menimbulkan dampak negatif terhadap lingkungan, environmental impacts, including on the ozone layer.
termasuk terhadap lapisan ozon.
Dalam pengelolaan sistem pendingin ruangan, OK BANK saat ini In managing air conditioning systems, OK BANK currently
menggunakan kombinasi antara AC sentral dan AC split untuk uses a combination of central and split AC units to support
mendukungkenyamananaktivitaskerja.Seluruhunitpendinginyang workplace comfort. All cooling units in use have been ensured
digunakan telah dipastikan bebas dari kandungan CFC, sehingga to be free of CFCs, so they do not contribute to ozone layer
tidak berkontribusi terhadap kerusakan lapisan ozon. Pemilihan dan depletion. The selection and use of this equipment are carried
penggunaan perangkat ini dilakukan dengan mempertimbangkan out by considering environmental safety and compliance with
aspek keselamatan lingkungan dan kepatuhan terhadap applicable regulations.
ketentuan yang berlaku.
Selain sistem pendingin, OK BANK juga memperhatikan In addition to cooling systems, OK BANK also pays attention to the
penggunaan peralatan keselamatan gedung. Seluruh APAR use of building safety equipment. All APAR used are ensured to be
yang digunakan dipastikan tidak mengandung halon, yaitu zat halon-free, a substance known to have ozone-depleting effects.
yang diketahui memiliki dampak merusak terhadap lapisan By implementing these standards, OK BANK demonstrates
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ozon. Melalui penerapan standar ini, OK BANK menunjukkan tangible efforts to reduce potential emissions of ozone-depleting
upaya nyata dalam mengurangi potensi emisi zat perusak ozon substances while maintaining a safe and comfortable working
sekaligus menjaga keamanan dan kenyamanan lingkungan environment responsibly.
kerja secara bertanggung jawab.
Pengelolaan Konsumsi Air [POJK F.8] Water Consumption Management [POJK F.8]
Air merupakan sumber daya penting yang mendukung kelancaran Water is an essential resource that supports the smooth
aktivitas operasional sehari-hari, khususnya dalam menjaga running of daily operational activities, particularly in
kenyamanan dan kebersihan lingkungan kerja. Oleh karena maintaining workplace comfort and cleanliness. Therefore,
itu, pengelolaan konsumsi air menjadi bagian dari perhatian water consumption management is an important aspect of
perusahaan dalam menjalankan kegiatan operasional yang the Company’s efforts to conduct responsible operations.
bertanggung jawab. Penggunaan air yang terkelola dengan baik Properly managed water use is expected to support
diharapkan dapat mendukung efisiensi pemanfaatan sumber resource efficiency while ensuring its long-term availability.
daya sekaligus menjaga ketersediaannya dalam jangka panjang. [GRI 3-3]
[GRI 3-3]
Dalam kegiatan operasionalnya, OK BANK memanfaatkan In its operations, OK BANK utilizes water supply from PDAM
pasokan air yang berasal dari PDAM dan sumber air tanah and groundwater sources to meet the needs of the head
untuk memenuhi kebutuhan di kantor pusat dan kantor cabang. office and branch offices. To control water consumption,
Untuk mengendalikan konsumsi air, OK BANK menerapkan OK BANK implements the use of automatic faucets at various
penggunaan kran otomatis di berbagai titik fasilitas, sehingga facility points, allowing water use to be more controlled
pemakaian air dapat lebih terkontrol dan mengurangi potensi and reducing potential waste. This measure supports
pemborosan. Penerapan langkah ini mendukung upaya more effective water management in line with OK BANK’s
pengelolaan air yang lebih efektif sejalan dengan kebutuhan operational requirements. [GRI 3-3]
operasional OK BANK. [GRI 3-3]
Informasi mengenai konsumsi air OK BANK selama 3 (tiga) Information regarding OK BANK’s water consumption over
tahun terakhir diuraikan sebagai berikut: the last 3 (three) years is described as follows:
TABEL KONSUMSI AIR OK BANK [ESG E-04] [GRI 303-5]
Table of OK BANK Water Consumption
Perubahan
Satuan Changes
No. Uraian 2025 2024 2023 Description
Unit (%)
2025
1. Air PDAM m3 4.338 3.647 4.266 18,95 PDAM Water
Kantor Pusat m3 227 241 345 (5,81) Head Office
Kantor Cabang m3 4.111 3.406 3.921 20,70 Branch Office
2. Air Tanah m3 1.265 1.428 - (11,41) Groundwater
Kantor Pusat m3 1.241 1.404 - (11,61) Head Office
Kantor Cabang m3 24 24 - - Branch Office
Jumlah Konsumsi Air m3 5.603 5.075 4.266 10,40 Total Water Consumption
Pada tahun 2025, OK BANK menggunakan air sebanyak 5.603 In 2025, OK BANK used 5,603 m³ of water, an increase of 10.40%
m3, meningkat 10,40% dibandingkan tahun sebelumnya sebesar compared to the previous year of 5,075 m³. This condition is
5.075 m3. Kondisi ini terutama dipengaruhi oleh peningkatan primarily driven by increased operational activities and facility
aktivitas operasional dan kebutuhan pemeliharaan fasilitas. maintenance requirements.
Pengelolaan Limbah dan Efluen [POJK F.13, F.14, F.15] Waste and Effluent Management [POJK F.13, F.14, F.15]
Pengelolaan limbah dan efluen merupakan bagian penting Waste and effluent management is an important part of
dalam menjaga kebersihan lingkungan kerja dan meminimalkan maintaining a clean working environment and minimizing
dampak operasional terhadap lingkungan sekitar. Meskipun operational impacts on the surrounding environment. Although
kegiatan perbankan tidak menghasilkan limbah dalam banking activities do not generate large amounts of waste,
jumlah besar, pengelolaan yang tertib dan terencana orderly and planned management is still necessary to ensure
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tetap diperlukan untuk memastikan bahwa sisa aktivitas that residual operational activities are handled responsibly and
operasional dapat ditangani secara bertanggung jawab in accordance with applicable regulations. [GRI 3-3, 306-1]
dan sesuai dengan ketentuan yang berlaku. [GRI 3-3, 306-1]
Dalam pelaksanaannya, OK BANK menerapkan sistem In practice, OK BANK implements a gradual waste sorting
pemilahan sampah secara bertahap di lingkungan kerja. system in the workplace. Sorting is conducted by separating
Pemilahan dilakukan dengan memisahkan limbah organik dan organic and inorganic waste, as well as distinguishing between
anorganik, serta membedakan antara limbah yang dapat didaur recyclable and non-recyclable materials. This measure
ulang dan yang tidak dapat didaur ulang. Langkah ini bertujuan aims to facilitate subsequent waste management processes
untuk memudahkan proses pengelolaan lanjutan sekaligus while increasing internal awareness of the importance
meningkatkan kesadaran internal terhadap pentingnya of structured waste management. [GRI 306-1]
pengelolaan limbah yang lebih terstruktur. [GRI 306-1]
Untuk pengelolaan limbah domestik, OK BANK bekerja For domestic waste management, OK BANK collaborates with
sama dengan pihak ketiga yang memiliki izin resmi dalam third parties that hold official licenses for household waste
pengelolaan limbah rumah tangga. Melalui kerja sama tersebut, management. Through this partnership, OK BANK attempts to
OK BANK berupaya memastikan bahwa limbah dikelola secara ensure that waste is managed properly, safely, and provides
tepat, aman, dan memberikan nilai tambah melalui proses added value through reuse processes. [GRI 306-2]
pemanfaatan kembali. [GRI 306-2]
Sepanjang tahun 2025, OK BANK menghasilkan limbah cair Throughout 2025, OK BANK generated 1,374 m3 of domestic
domestik sebanyak 1.374 m3 dengan rata-rata volume sekitar wastewater, with an average volume of approximately
4,7 m3 per hari. Seluruh limbah cair tersebut dikelola 4.7 m3 per day. All wastewater is managed through cooperation
melalui kerja sama dengan pihak ketiga yang merupakan with third-party vendors that are officially licensed in waste
vendor pengelolaan limbah berizin resmi, sehingga proses management, ensuring that the treatment process complies
pengolahannya telah sesuai dengan kebijakan internal with internal policies and applicable regulations. OK BANK
dan ketentuan peraturan yang berlaku. OK BANK dalam implements responsible waste management practices and
menerapkan praktik pengelolaan limbah yang bertanggung supports environmental sustainability principles. [ESG E-05]
jawab dan mendukung prinsip keberlanjutan lingkungan. [ESG [GRI 306-3]
E-05] [GRI 306-3]
Selain itu, sepanjang tahun 2025, tidak terdapat insiden Furthermore, throughout 2025, no spill incidents occurred.
tumpahan yang terjadi. Hal ini mencerminkan penerapan This reflects OK BANK’s operational practices, which are
operasional OK BANK yang efisien, bertanggung jawab, serta efficient, responsible, and based on applicable environmental
berlandaskan pada standar lingkungan yang berlaku. standards.
Keanekaragaman Hayati [POJK F.9, F.10] Biodiversity [POJK F.9, F.10]
OK BANK menempatkan keanekaragaman hayati sebagai salah The Bank considers biodiversity as one of the important factors
satu pertimbangan penting dalam kegiatan operasionalnya. in its operational activities. All credit disbursements are ensured
Kredit yang diberikan selalu dipastikan tidak disalurkan not to be extended to industries whose business activities have
kepada industri dengan kegiatan usaha yang berpotensi the potential to damage or endanger the environment, through
merusak atau membahayakan lingkungan, melalui proses a tight evaluation process of prospective debtors. In addition,
evaluasi ketat terhadap calon debitur. Selain itu, lokasi kantor the locations of OK BANK’s operational offices are not situated
operasional OK BANK tidak berdekatan dengan kawasan near biodiversity conservation areas, thereby ensuring that
konservasi keanekaragaman hayati, sehingga aktivitas OK BANK’s activities remain safe for the surrounding
OK BANK tetap aman bagi ekosistem sekitar. ecosystems.
Upaya perlindungan keanekaragaman hayati juga diwujudkan Efforts to protect biodiversity are also realized through various
melalui berbagai program yang telah dijalankan. Program- programs that have been implemented. These programs
program ini mencakup inisiatif yang mendukung pelestarian include initiatives that support environmental conservation,
lingkungan, edukasi masyarakat, dan kerja sama dengan pihak community education, and collaboration with relevant
terkait untuk menjaga keberlanjutan ekosistem. Langkah- stakeholders to maintain ecosystem sustainability. These
langkah tersebut menegaskan komitmen OK BANK dalam measures underscore OK BANK’s commitment to conducting
menjalankan kegiatan usaha yang bertanggung jawab dan responsible and environmentally friendly business activities,
ramah lingkungan, sekaligus mendorong kesadaran kolektif while also promoting collective awareness of the importance
terhadap pentingnya keanekaragaman hayati. of biodiversity.
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Usaha Konservasi Keanekaragaman Hayati Biodiversity Conservation Efforts
Meskipun kegiatan operasional OK BANK tidak berada di Although OK BANK’s operational activities are not located
wilayah yang memiliki nilai keanekaragaman hayati yang in areas with high biodiversity value, but OK BANK still plays
tinggi, namun demikian OK BANK turut berperan dalam a role in biodiversity conservation through the implementation of
upaya konservasi keanekaragaman hayati melalui penerapan selective policies in the credit approval process for prospective
kebijakan yang selektif dalam proses pemberian kredit kepada customers. In each assessment process, OK BANK conducts
calon nasabah. Dalam setiap proses penilaian, OK BANK screening by paying close attention to the completeness of
melakukan screening dengan memperhatikan kelengkapan documentation and the level of compliance of prospective
dokumen dan tingkat kepatuhan calon nasabah terhadap customers with applicable environmental regulations. This
regulasi lingkungan yang berlaku. Pendekatan ini bertujuan approach aims to minimize the potential financing of business
untuk meminimalkan potensi pembiayaan terhadap kegiatan activities that pose risks to the environment and ecosystems,
usaha yang berisiko merusak lingkungan dan ekosistem, while at the same time encouraging more responsible business
sekaligus mendorong praktik usaha yang lebih bertanggung practices toward the preservation of biodiversity.
jawab terhadap kelestarian keanekaragaman hayati.
Selain itu, OK BANK telah melaksanakan upaya konservasi Moreover, OK BANK has carried out biodiversity conservation
keanekaragaman hayati melalui kegiatan reboisasi dan efforts through reforestation and greening activities in
penghijauan di sejumlah wilayah. Kegiatan ini dilakukan several areas. These activities are conducted through tree
dengan penanaman pohon di area terbuka dan lingkungan planting in open areas and within surrounding communities
sekitar masyarakat guna mendukung pemulihan ekosistem, to support ecosystem restoration, improve environmental
meningkatkan kualitas lingkungan, dan membantu quality, and help absorb carbon emissions. OK BANK also
penyerapan emisi karbon. OK BANK juga mendukung supports environmental preservation through participation
pelestarian lingkungan melalui partisipasi dalam kegiatan in environmental clean-up activities and nature awareness
bersih lingkungan dan kampanye kepedulian terhadap alam, campaigns involving employees and local communities.
yang melibatkan karyawan dan masyarakat setempat.
Pengaduan terkait Lingkungan Hidup [POJK F.16] Complaints related to the Environment [POJK F.16]
[GRI 2-16, 2-26] [GRI 2-16, 2-26]
Selama 3 (tiga) tahun terakhir, OK BANK tidak menerima atau Over the past 3 (three) years, OK BANK has not received or
mencatat adanya pengaduan terkait isu lingkungan hidup. Hal recorded any complaints related to environmental issues.
ini menunjukkan bahwa operasional dan layanan OK BANK This indicates that OK BANK’s operations and services have
berjalan sesuai dengan standar perlindungan lingkungan yang been conducted in accordance with applicable environmental
berlaku. Meski demikian, OK BANK tetap menjaga mekanisme protection standards. Nevertheless, OK BANK continues to
pengaduan yang terbuka dan siap menindaklanjuti setiap maintain an open complaint-handling mechanism and remains
laporan terkait lingkungan, sebagai bagian dari komitmen ready to follow up on any environmental-related reports, as part
berkelanjutan untuk menjaga kelestarian alam dan memastikan of its ongoing commitment to preserving nature and ensuring
praktik bisnis yang bertanggung jawab. responsible business practices.
Biaya Lingkungan Hidup [POJK F.4] Environmental Cost [POJK F.4]
Pengelolaan lingkungan hidup memerlukan dukungan tidak Environmental management requires support not only from
hanya dari sisi kebijakan dan operasional, tetapi juga dari aspek policy and operational aspects, but also from adequate
pembiayaan yang memadai. Investasi dalam perlindungan financial resources. Investment in environmental protection
lingkungan menjadi bagian penting dari tanggung jawab becomes an important part of OK BANK’s responsibility
OK BANK untuk memastikan bahwa setiap aktivitas yang to ensure that all activities carried out do not result in
dijalankan tidak menimbulkan dampak negatif jangka panjang long-term negative impacts on ecosystems. OK BANK just
terhadap ekosistem. OK BANK baru melakukan perhitungan began calculating environmental costs in 2025, with expenses
terkait biaya lingkungan hidup pada tahun 2025 dan biaya yang amounting to Rp1.00 million per month for waste management
dikeluarkan sebesar Rp1,00 juta per bulan untuk pengelolaan and environmental maintenance at the head office.
sampah dan lingkungan di kantor pusat.
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Pengembangan Sosial dan Kemasyarakatan
Social and Community Development
Dampak Operasional terhadap Masyarakat Impact of the Operation on the Surrounding
Sekitar [POJK F.23] [GRI 413-2] Community [POJK F.23] [GRI 413-2]
Kegiatan operasional OK BANK memberikan dampak positif OK BANK’s operational activities have positive impacts on
bagi masyarakat di sekitar wilayah operasional, khususnya communities surrounding its operational areas, particularly
melalui kontribusi terhadap penciptaan kesempatan kerja. through contributions to job creation. By providing
Dengan membuka peluang kerja bagi masyarakat setempat, employment opportunities for local communities, OK BANK
OK BANK berperan dalam meningkatkan kesejahteraan, plays a role in improving welfare while also supporting the
sekaligus mendukung pengembangan kapasitas SDM melalui development of HR capacity through the enhancement of
peningkatan keterampilan dan pengalaman kerja yang relevant skills and work experience. [GRI 3-3]
relevan. [GRI 3-3]
Selain kontribusi terhadap ketenagakerjaan, OK BANK In addition to its contribution to employment, OK BANK also
turut mendukung penguatan perekonomian daerah melalui supports the strengthening of regional economies through
kemitraan dengan pemasok lokal dan pelaku usaha setempat. partnerships with local suppliers and local business actors.
Keterlibatan ini mendorong perputaran ekonomi lokal, This involvement encourages local economic circulation,
memperkuat rantai pasok regional, serta membuka peluang strengthens regional supply chains, and creates opportunities
bagi UMKM untuk tumbuh dan berkembang seiring dengan for MSMEs to grow and develop alongside OK BANK’s
aktivitas operasional OK BANK. Dukungan tersebut juga operational activities. This support is also realized through
diwujudkan melalui program pembinaan dan fasilitasi yang coaching and facilitation programs aimed at enhancing
bertujuan meningkatkan daya saing dan keberlanjutan usaha the competitiveness and business sustainability of MSME
pelaku UMKM di sekitar wilayah operasional. [GRI 3-3] actors in areas surrounding OK BANK’s operations. [GRI 3-3]
Di luar aspek ekonomi, OK BANK secara konsisten Beyond economic aspects, OK BANK consistently implements
melaksanakan berbagai program CSR yang berfokus pada various CSR programs focused on improving the quality
peningkatan kualitas hidup masyarakat. Program-program of life of communities. These programs cover education,
tersebut mencakup bidang pendidikan, kesehatan, serta health, and other social activities tailored to the needs of
kegiatan sosial lainnya yang disesuaikan dengan kebutuhan local communities. Through an integrated and sustainable
masyarakat setempat. Melalui pendekatan yang terintegrasi approach, OK BANK strives to build harmonious relationships
dan berkelanjutan, OK BANK berupaya membangun hubungan with surrounding communities while contributing to inclusive
yang harmonis dengan masyarakat sekitar sekaligus and sustainable social and economic development.
berkontribusi terhadap pembangunan sosial dan ekonomi
yang inklusif dan berkelanjutan.
Kegiatan CSR OK BANK [POJK F.25] [GRI 413-1] OK BANK’s CSR Activities [POJK F.25] [GRI 413-1]
Kegiatan CSR dilaksanakan dan dikoordinasikan oleh Divisi CSR activities are implemented and coordinated by
Corporate Secretary dengan berpedoman pada ketentuan the Corporate Secretary Division by referring to the applicable
yang berlaku. Pelaksanaan CSR tersebut mengacu pada regulations. The implementation of these CSR activities
POJK Nomor 51/POJK.03/2017 tentang Penerapan Keuangan refers to POJK Number 51/POJK.03/2017 concerning
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan the Implementation of Sustainable Finance for Financial
Perusahaan Publik, sehingga setiap program yang dijalankan Services Institutions, Issuers, and Public Companies, ensuring
selaras dengan prinsip keberlanjutan dan tata kelola yang that each program carried out is aligned with the principles of
baik. Melalui kerangka regulasi ini, OK BANK berupaya sustainability and good corporate governance. Through this
memastikan bahwa aktivitas CSR tidak hanya memenuhi regulatory framework, OK BANK strives to ensure that its CSR
kewajiban kepatuhan, tetapi juga memberikan nilai tambah activities not only fulfill compliance obligations but also deliver
bagi masyarakat, lingkungan, dan pemangku kepentingan sustainable added value to the community, the environment,
secara berkelanjutan. and stakeholders.
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Informasi mengenai kegiatan CSR yang dilakukan OK BANK Information regarding the CSR activities carried out
sepanjang tahun 2025 diuraikan sebagai berikut: by OK BANK throughout 2025 is outlined as follows:
Kunjungan ke Panti Asuhan
Visit to an Orphanage
Tujuan Pembangunan Berkelanjutan
Sustainable Development Goals
Penjelasan Explanation
Kegiatan kunjungan sosial ke panti asuhan melalui program A social visit to an orphanage through the Sharing Care for
Berbagi Kasih untuk Sesama berupa pemberian donasi dan Others program, involving donations and the provision of
bantuan kebutuhan kepada anak-anak panti asuhan. essential needs to orphaned children.
Capaian Achievement
Melalui program ini, OK BANK turut membantu anak-anak Through this program, OK BANK helps orphanage children by
panti asuhan berupa donasi dan kebutuhan dasar sebagai providing donations and basic necessities as a form of social
bentuk kepedulian sosial dan dukungan terhadap peningkatan concern and support for improving the welfare of vulnerable
kesejahteraan kelompok rentan. groups.
Pembagian Takjil Gratis (Bulan Ramadhan Tahun 2025)
Free Takjil Distribution (Month of Ramadhan 2025)
Tujuan Pembangunan Berkelanjutan
Sustainable Development Goals
Penjelasan Explanation
Program pembagian takjil gratis kepada masyarakat sekitar A program to distribute free takjil to the surrounding community
selama bulan Ramadhan 2025 yang dilaksanakan setiap hari during the month of Ramadan 2025, conducted every Friday
Jumat (7, 14, dan 21 Maret 2025). (March 7, 14, and 21, 2025).
Capaian Achievement
Program pembagian takjil gratis telah terlaksana dengan The free takjil distribution program was successfully
baik selama bulan Ramadhan tahun 2025 yang dilaksanakan implemented during Ramadan 2025, which was carried out
sebanyak 3 (tiga) kali dengan total 300 (tiga ratus) paket takjil 3 (three) times with a total of 300 (three hundred) takjil
sebagai bentuk kepedulian sosial dan dukungan terhadap packages, as a form of social care and support in meeting
pemenuhan kebutuhan pangan kepada masyarakat sekitar. the food needs of the surrounding community.
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Donor Darah
Blood Donation
Tujuan Pembangunan Berkelanjutan
Sustainable Development Goals
Penjelasan Explanation
Kegiatan donor darah yang melibatkan karyawan dan A blood donation activity involving employees and the public,
masyarakat yang diikuti oleh 82 (delapan puluh dua) pendonor. participated in by 82 (eighty-two) donors.
Capaian Achievement
Dalam kegiatan donor darah ini, OK BANK berhasil Through this blood donation activity, OK BANK successfully
mengumpulkan 53 (lima puluh tiga) kantong darah yang collected 53 (fifty-three) bags of blood, which were
disalurkan melalui pihak terkait untuk mendukung ketersediaan distributed through the relevant parties to support
stok darah bagi masyarakat yang membutuhkan. the availability of blood supplies for those in need.
Bantuan Kemanusiaan untuk Korban Bencana Alam
Humanitarian Assistance for Natural Disaster Victims
Tujuan Pembangunan Berkelanjutan
Sustainable Development Goals
Penjelasan Explanation
Menyalurkan bantuan kemanusiaan bagi para korban bencana Distributing humanitarian assistance to victims of natural
alam. disasters.
Capaian Achievement
Dalam kegiatan bantuan ini, OK BANK membangun kerja Through this assistance initiative, OK BANK collaborated
sama dengan Yayasan Kitabisa untuk menyalurkan bantuan with the Kitabisa Foundation to distribute aid to communities
terhadap masyarakat terdampak bencana alam di Sumatra. affected by natural disasters in Sumatra.
Pada tahun 2025, OK BANK melaksanakan kegiatan CSR In 2025, OK BANK carried out CSR activities through
melalui pemberian sumbangan kepada panti asuhan sebagai donations to an orphanage as a form of social investment in
bentuk investasi sosial kepada komunitas nirlaba. Bantuan non-profit communities. The assistance provided included
yang diberikan berupa donasi dan pemenuhan kebutuhan donations and the fulfillment of basic needs for orphaned
dasar bagi anak-anak panti sebagai wujud komitmen Bank children, as a manifestation of the Bank’s commitment to
dalam mendukung kesejahteraan sosial dan meningkatkan supporting social welfare and improving the quality of life of
kualitas hidup masyarakat yang membutuhkan. [ESG S-12] those in need. [ESG S-12]
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Pengaduan Masyarakat [POJK F.24] [GRI 2-16, 2-26] Public Complaints [POJK F.24] [GRI 2-16, 2-26]
[GRI 413-1] [GRI 413-1]
Sebagai bentuk komitmen terhadap transparansi dan As part of its commitment to transparency and accountability,
akuntabilitas, OK BANK menyediakan layanan pengaduan OK BANK provides a community complaint service that can be
masyarakat yang dapat dimanfaatkan untuk menyampaikan used to submit complaints, feedback, or information related to
keluhan, masukan, maupun informasi terkait kegiatan dan OK BANK’s activities and services. This mechanism is designed
layanan OK BANK. Mekanisme ini dirancang agar mudah to be easily accessible and responsibly managed, ensuring
diakses dan dikelola secara bertanggung jawab, sehingga that each complaint can be properly followed up. Through
setiap pengaduan dapat ditindaklanjuti secara tepat. Melalui the provision of this service, OK BANK attempts to build
penyediaan layanan tersebut, OK BANK berupaya membangun open relationships with the community and enhance service
hubungan yang terbuka dengan masyarakat dan meningkatkan quality as well as public trust. Reports may be submitted
kualitas layanan serta kepercayaan publik. Adapun, pelaporan through the following channels:
tersebut dapat disampaikan melalui:
customercare@okbank.co.id customercare@okbank.co.id
150112 150112
okbank Indonesia okbank Indonesia
Selama 3 (tiga) tahun terakhir, OK BANK tidak menerima Over the past 3 (three) years, OK BANK has not received any
pengaduan dari masyarakat. complaints from the public.
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Aspek Ketenagakerjaan
Employment Aspects
OK BANK menempatkan aspek ketenagakerjaan sebagai salah OK BANK places employment aspects as one of the main pillars
satu pilar utama dalam mendukung keberlanjutan operasional in supporting operational sustainability and the achievement
dan pencapaian kinerja jangka panjang. OK BANK berkomitmen of long-term performance. OK BANK is committed to creating
menciptakan lingkungan kerja yang adil, aman, dan kondusif, a fair, safe, and conducive work environment by ensuring
dengan memastikan pemenuhan hak-hak tenaga kerja the fulfillment of employees’ rights in accordance with
sesuai dengan ketentuan peraturan perundang-undangan applicable laws and regulations. This approach is realized
yang berlaku. Pendekatan ini diwujudkan melalui penerapan through the implementation of transparent employment
kebijakan ketenagakerjaan yang transparan, penerapan prinsip policies, the application of principles of equality and
kesetaraan dan non-diskriminasi, serta pengelolaan hubungan non-discrimination, and the professional and ethical
kerja yang profesional dan beretika. management of employment relations.
Sejalan dengan komitmen tersebut, OK BANK secara In line with this commitment, OK BANK continuously
berkelanjutan mendorong pengembangan kompetensi encourages employee competency development through
karyawan melalui penyediaan program pelatihan dan the provision of training and capacity-building programs
peningkatan kapasitas yang disesuaikan dengan kebutuhan tailored to organizational needs and developments in
organisasi dan perkembangan industri perbankan. OK BANK the banking industry. OK BANK also consistently pays attention
juga senantiasa memperhatikan keseimbangan antara to the balance between employees’ work and personal lives by
kehidupan kerja dan kehidupan pribadi karyawan dengan providing work arrangements that support health, safety, and
menyediakan pengaturan kerja yang mendukung kesehatan, employee well-being. Through integrated HR management
keselamatan, dan kesejahteraan karyawan. Melalui pengelolaan oriented toward sustainable development, OK BANK tries to
SDM yang terintegrasi dan berorientasi pada pengembangan enhance productivity and loyalty, while building an inclusive,
berkelanjutan, OK BANK berupaya meningkatkan produktivitas, transparent, and sustainable work culture.
loyalitas, serta membangun budaya kerja yang inklusif,
transparan, dan berkelanjutan.
Kebijakan Umum Ketenagakerjaan Employment General Policy
OK BANK memandang SDM sebagai aset strategis yang OK BANK views HR as a strategic asset that plays an important
berperan penting dalam mendukung pencapaian kinerja role in supporting performance achievement and business
dan keberlanjutan usaha. Oleh karena itu, kebijakan sustainability. Therefore, its employment policies are formulated
ketenagakerjaan disusun secara komprehensif untuk comprehensively to regulate fair and balanced employment
mengatur hubungan kerja yang adil dan berimbang, mulai relations, covering workforce planning, recruitment processes,
dari perencanaan kebutuhan tenaga kerja, proses rekrutmen, competency development, and performance management,
pengembangan kompetensi, hingga pengelolaan kinerja, while consistently prioritizing compliance with applicable laws
dengan senantiasa mengedepankan kepatuhan terhadap and regulations.
peraturan perundang-undangan yang berlaku.
Melalui penerapan kebijakan tersebut, OK BANK memastikan Through the implementation of these policies, OK BANK
terpenuhinya hak dan kewajiban karyawan secara ensures the proportional fulfillment of employees’ rights
proporsional, serta menyediakan kesempatan yang setara bagi and obligations, as well as providing equal opportunities
seluruh individu tanpa diskriminasi. OK BANK juga menaruh for all individuals without discrimination. OK BANK also
perhatian pada penciptaan lingkungan kerja yang menjunjung places strong emphasis on creating a work environment
tinggi profesionalisme, etika, serta keselamatan dan kesehatan that upholds professionalism, ethics, and occupational
kerja. Dengan pendekatan pengelolaan sumber daya manusia health and safety. With an integrated and sustainable human
yang terintegrasi dan berkelanjutan, OK BANK mendorong resource management approach, OK BANK encourages
terciptanya hubungan kerja yang harmonis dan produktif, the establishment of harmonious and productive employment
sehingga karyawan dapat berkembang secara optimal seiring relationships, enabling employees to develop optimally
dengan pertumbuhan dan transformasi OK BANK. alongside OK BANK’s growth and transformation.
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Prinsip Kesetaraan [POJK F.18] Principle of Equality [POJK F.18]
OK BANK menempatkan prinsip kesetaraan sebagai landasan OK BANK considers the principle of equality as an essential
penting dalam setiap aspek operasional dan pengelolaan foundation in all aspects of its operations and HR management.
SDM. OK BANK memastikan bahwa setiap karyawan, tanpa OK BANK ensures that every employee, regardless of gender,
memandang jenis kelamin, usia, latar belakang pendidikan, age, educational background, or other factors, has equal
atau faktor lainnya, memiliki akses yang setara terhadap access to employment opportunities, career development,
kesempatan kerja, pengembangan karier, dan penghargaan and recognition of achievements. This approach creates
atas prestasi. Pendekatan ini menciptakan lingkungan kerja an inclusive work environment in which every individual
yang inklusif, di mana setiap individu merasa dihargai dan feels valued and motivated to contribute their best, while
termotivasi untuk memberikan kontribusi terbaiknya, sekaligus also encouraging a fair and harmonious organizational
mendorong terciptanya budaya organisasi yang adil dan culture. [GRI 3-3]
harmonis. [GRI 3-3]
Selain penerapan di internal OK BANK, prinsip kesetaraan Beyond its internal implementation, the principle of equality
juga tercermin dalam hubungan OK BANK dengan mitra, is also reflected in OK BANK’s relationships with partners,
nasabah, dan masyarakat sekitar. OK BANK berkomitmen untuk customers, and surrounding communities. OK BANK is
menjalankan praktik bisnis yang tidak diskriminatif, memberikan committed to conducting non-discriminatory business
kesempatan yang sama bagi seluruh pihak yang terlibat dalam practices and providing equal opportunities to all parties
ekosistemnya. Upaya ini memperkuat kepercayaan publik, involved in its ecosystem. These efforts strengthen public trust,
mendukung keberlanjutan sosial, dan menegaskan posisi support social sustainability, and affirm OK BANK’s position
OK BANK sebagai institusi yang mengedepankan nilai keadilan as an institution that upholds the values of fairness and
dan kesetaraan dalam setiap tindakannya. equality in all of its actions.
Tenaga Kerja Anak dan Kerja Paksa [POJK F.19] Child Labor and Forced Labor [POJK F.19] [ESG S-10]
[ESG S-10] [GRI 408-1, 409-1] [GRI 408-1, 409-1]
OK BANK menegaskan komitmennya untuk menolak OK BANK emphasizes its commitment to rejecting the use
penggunaan tenaga kerja anak dalam seluruh proses rekrutmen of child labor in all recruitment and operational processes
dan operasional Bank. OK BANK hanya membuka peluang of the Bank. OK BANK only offers employment opportunities
kerja bagi individu yang memenuhi persyaratan pendidikan to individuals who meet the minimum educational
minimal Sarjana (S1), sehingga memastikan bahwa seluruh requirement of a Bachelor’s degree (S1), thereby ensuring
karyawan yang direkrut memiliki kompetensi dan kualifikasi that all recruited employees possess the competencies and
yang sesuai dengan tanggung jawab pekerjaan. Kebijakan ini qualifications appropriate to their job responsibilities. This
sejalan dengan prinsip perlindungan hak anak dan standar policy is aligned with the principles of child rights protection
etika ketenagakerjaan yang berlaku secara nasional. [GRI 3-3] and nationally applicable labor ethics standards. [GRI 3-3]
Selain itu, OK BANK menerapkan jam kerja karyawan sebanyak Moreover, OK BANK implements a 40-hour workweek in
40 jam per minggu, sesuai dengan ketentuan yang diatur dalam accordance with the provisions set out in Article 77 of Law
Pasal 77 Undang-Undang Nomor 13 Tahun 2003 tentang Number 13 of 2003 on Manpower. The implementation of
Ketenagakerjaan. Penerapan jam kerja ini bertujuan untuk menjaga these working hours aims to maintain a balance between work
keseimbangan antara produktivitas kerja dan kesejahteraan productivity and employee well-being, while also upholding
karyawan, sekaligus menegakkan prinsip bahwa seluruh tenaga the principle that all employees work voluntarily and without
kerja bekerja secara sukarela dan tanpa paksaan. Dengan coercion. Accordingly, OK BANK ensures that its employment
demikian, OK BANK memastikan bahwa praktik ketenagakerjaan practices respect employees’ rights and support a fair and safe
yang dijalankan menghormati hak-hak karyawan dan mendukung working environment. [GRI 3-3]
lingkungan kerja yang adil serta aman. [GRI 3-3]
Atas komitmen tersebut, OK BANK tidak menerima laporan In line with this commitment, OK BANK has not received
pengaduan dari pemangku kepentingan terkait dengan insiden any complaints or reports from stakeholders related
kasus pelibatan tenaga kerja anak atau tenaga kerja paksa to incidents involving child labor or forced labor within
dalam lingkungan bisnis OK BANK maupun di sepanjang rantai OK BANK’s business environment or throughout its business
nilai bisnis OK BANK. value chain.
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Dukungan terhadap Hak Asasi Manusia Support for Human Rights [ESG S-05, S-09]
[ESG S-05, S-09]
OK BANK menempatkan dukungan terhadap Hak Asasi OK BANK places support for Human Rights as one of
Manusia (HAM) sebagai salah satu prinsip dasar dalam the fundamental principles in its operations and business
operasional dan pengelolaan bisnis, dengan memastikan management, ensuring that all OK BANK activities respect
bahwa seluruh kegiatan OK BANK menghormati hak setiap the rights of every individual, including employees, customers,
individu, baik karyawan, nasabah, maupun masyarakat sekitar. and surrounding communities. OK BANK implements policies
OK BANK menerapkan kebijakan dan prosedur yang mendukung and procedures that support a safe work environment, free
lingkungan kerja yang aman, bebas dari diskriminasi, dan from discrimination, and that respect the dignity of every
menghargai martabat setiap orang. Sepanjang tahun 2025, person. Throughout 2025, there were no reports or complaints
tidak terdapat laporan atau pengaduan terkait pelanggaran related to human rights violations, indicating that OK BANK’s
HAM, yang menunjukkan bahwa praktik operasional OK BANK operational practices were conducted in accordance with
berjalan sesuai dengan standar HAM yang berlaku. [ESG S-09] applicable human rights standards. [ESG S-09]
Pencegahan Pelecehan Seksual dan Prevention of Sexual Harassment and
Non-Diskriminasi [ESG S-08] [GRI 406-1] Non-Discrimination [ESG S-08] [GRI 406-1]
OK BANK menegaskan komitmennya untuk menciptakan OK BANK affirms its commitment to creating a safe work
lingkungan kerja yang aman dan menghormati hak setiap environment and respecting the rights of every individual
individu dengan menerapkan kebijakan yang jelas terkait by implementing clear policies on the prevention of sexual
pencegahan pelecehan seksual dan praktik non-diskriminasi. harassment and non-discriminatory practices. All employees
Seluruh karyawan diwajibkan memahami dan mematuhi are required to understand and comply with these rules,
aturan ini, sementara mekanisme pelaporan yang terbuka while open reporting mechanisms are available to anyone
tersedia bagi siapa saja yang menghadapi atau menyaksikan who experiences or witness violations. This approach not
pelanggaran. Pendekatan ini tidak hanya melindungi karyawan only protects employees from inappropriate treatment,
dari perlakuan yang tidak pantas, tetapi juga membangun but also builds a fair work culture that values diversity
budaya kerja yang adil, menghargai perbedaan, dan mendorong and fosters a professional atmosphere in which everyone
terciptanya atmosfer profesional di mana setiap orang dapat can work safely and with dignity. [GRI 3-3]
bekerja dengan rasa aman dan dihormati. [GRI 3-3]
Atas komitmen tersebut, OK BANK tidak menerima pengaduan In line with this commitment, OK BANK has not received any
dari pemangku kepentingan terkait dengan adanya insiden complaints from stakeholders regarding incidents of sexual
kasus pelecehan seksual maupun tindakan diskriminasi yang harassment or discriminatory actions occurring within
terjadi di lingkungan kerja OK BANK. OK BANK’s work environment.
Rekrutmen Karyawan [GRI 401-1] Employee Recruitment [GRI 401-1]
OK BANK melaksanakan proses rekrutmen karyawan secara OK BANK conducts its employee recruitment process
profesional dan transparan, dengan mengedepankan prinsip in a professional and transparent manner, prioritizing
kesetaraan, kompetensi, dan integritas. Proses ini dirancang the principles of equality, competence, and integrity. This
untuk memastikan setiap kandidat memiliki kesempatan yang process is designed to ensure that every candidate has equal
sama, tanpa diskriminasi, dan sesuai dengan kebutuhan serta opportunity, without discrimination, and in accordance with
standar kualitas Bank. Selain itu, OK BANK juga menekankan the Bank’s needs and quality standards. In addition, OK BANK
pentingnya pengembangan potensi karyawan sejak tahap emphasizes the importance of developing employee potential
perekrutan, sehingga dapat membangun tim yang kompeten, from the recruitment stage, thereby building a competent and
berdedikasi, dan mendukung pencapaian tujuan strategis dedicated team that supports the sustainable achievement of
OK BANK secara berkelanjutan. [GRI 3-3] OK BANK’s strategic objectives. [GRI 3-3]
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Informasi mengenai rekrutmen karyawan OK BANK selama Information regarding OK BANK’s employee recruitment over
3 (tiga) tahun terakhir diuraikan sebagai berikut: the past 3 (three) years is outlined as follows:
2025 2024 2023
Uraian Description
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Perputaran Karyawan berdasarkan Usia
Employee Recruitment by Age
<30 Tahun 4 9 13 11 14 25 19 26 45 <30 Years Old
30-50 Tahun 20 22 42 19 9 28 21 16 37 30-50 Years Old
>50 Tahun 1 2 3 2 2 4 2 - 2 >50 Years Old
Jumlah 25 33 58 32 25 57 42 42 84 Total
Perputaran Karyawan berdasarkan Wilayah
Employee Recruitment by Region
Jakarta 23 26 49 27 20 47 37 32 69 Jakarta
Jawa Tengah - 1 1 - 2 2 - 1 1 Central Java
Jawa Timur - 2 2 2 - 2 1 3 4 East Java
Bali 1 2 3 2 2 4 1 2 3 Bali
Jawa Barat 1 2 3 1 1 2 3 4 7 West Java
Jumlah 25 33 58 32 25 57 42 42 84 Total
Tingkat Perputaran Karyawan Employee Turnover Rate
Tingkat perputaran karyawan merupakan salah satu indikator Employee turnover rate is one of the important indicators used
penting dalam menilai stabilitas OK BANK dan efektivitas to assess OK BANK’s stability and the effectiveness of its HR
pengelolaan SDM. Perputaran karyawan dapat dipengaruhi management. Employee turnover may be influenced by various
oleh berbagai faktor, seperti peluang pengembangan karier, factors, such as career development opportunities, working
kondisi lingkungan kerja, dan dinamika kebutuhan organisasi. environment conditions, and the dynamics of organizational
Dengan memantau dan mengelola tingkat perputaran karyawan needs. By continuously monitoring and managing employee
secara berkelanjutan, OK BANK dapat menjaga kesinambungan turnover rates, OK BANK can maintain competency continuity,
kompetensi, meningkatkan produktivitas, dan menciptakan enhance productivity, and create a work environment that
lingkungan kerja yang mendukung pertumbuhan jangka panjang. supports long-term growth. Information regarding OK BANK’s
Informasi mengenai tingkat perputaran karyawan OK BANK employee turnover rates over the past 3 (three) years is outlined
selama 3 (tiga) tahun terakhir diuraikan sebagai berikut: as follows:
2025 2024 2023
Uraian Description
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Perputaran Karyawan berdasarkan Usia
Employee Recruitment by Age
<30 Tahun 17 14 31 5 9 14 14 16 30 <30 Years Old
30-50 Tahun 28 19 47 13 5 18 20 8 28 30-50 Years Old
>50 Tahun - - - - - - - 2 2 >50 Years Old
Jumlah 45 33 78 18 14 32 34 26 60 Total
Perputaran Karyawan berdasarkan Wilayah
Employee Recruitment by Region
Jakarta 43 30 76 18 14 32 34 26 60 Jakarta
Jawa Tengah - - - - - - - - - Central Java
Jawa Timur 1 1 2 - - - - - - East Java
Bali - 1 1 - - - - - - Bali
Jawa Barat 1 1 2 - - - - - - West Java
Jumlah 45 33 78 18 14 32 34 26 60 Total
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2025 2024* 2023*
Uraian Description
Pria Wanita Pria Wanita Pria Wanita
Male Female Male Female Male Female
Jumlah Karyawan Masuk 25 33 32 25 42 42 Total New Employees
Jumlah Karyawan Keluar 45 33 18 14 34 26 Total Employees Resigned
Jumlah Karyawan 161 164 167 158 170 157 Total Employees
Tingkat Perputaran Karyawan 23,64% 9,68% 18,35% Employee Turnover Rate
* Disajikan kembali. / Restated.
Pada tahun 2025, jumlah karyawan baru mencapai 58 orang In 2025, the total new employees reached 58 people, or 17.52%
atau 17,52% dari jumlah karyawan. Sementara itu, jumlah of the total workforce. Meanwhile, the total employees who left
karyawan yang keluar mencapai 78 orang atau 23,56% dari the Company amounted to 78 people, or 23.56% of the total
jumlah karyawan. [ESG S-03] workforce. [ESG S-03]
Karyawan Sementara [ESG S-04] [GRI 2-8] Temporary Employees [ESG S-04] [GRI 2-8]
OK BANK melibatkan juga karyawan sementara sebagai OK BANK also engages temporary employees to support certain
pendukung kebutuhan operasional tertentu, terutama saat operational needs, particularly during periods of increased
adanya peningkatan beban kerja atau periode tertentu yang workload or at specific times requiring additional manpower.
memerlukan tambahan tenaga kerja. Karyawan sementara Temporary employees are assigned in accordance with OK
ditempatkan sesuai dengan kebutuhan bisnis OK BANK, baik BANK’s business needs, both in customer service functions
pada fungsi pelayanan nasabah maupun unit operasional lainnya, and other operational units, to ensure the smooth execution of
guna memastikan kelancaran aktivitas operasional. Meskipun operational activities. Although their employment period is limited,
memiliki masa kerja yang terbatas, OK BANK memastikan OK BANK ensures that temporary employees receive adequate
bahwa karyawan sementara memperoleh pembekalan dan orientation and training so that they can perform their duties
pelatihan yang memadai agar dapat menjalankan tugas dan and responsibilities optimally. This approach is implemented
tanggung jawabnya secara optimal. Pendekatan ini dilakukan to maintain service quality and operational effectiveness,
untuk menjaga kualitas layanan dan efektivitas operasional, while also supporting OK BANK’s overall performance.
sekaligus mendukung pencapaian kinerja OK BANK secara Information regarding the total OK BANK’s temporary
keseluruhan. Informasi mengenai jumlah karyawan sementara employees is outlined as follows:
OK BANK diuraikan sebagai berikut:
Persentase Karyawan
Jumlah Karyawan
Uraian Employee Percentage Description
Total Employees
(%)
Karyawan OK BANK yang Dipegang OK BANK Employees Managed by
146 44,11
oleh Kontraktor dan/atau Konsultan Contractors and/or Consultants
Cuti Melahirkan [GRI 401-3] Maternity Leave [GRI 401-3]
OK BANK memberikan perhatian yang serius terhadap OK BANK gives serious attention to employee welfare through
kesejahteraan karyawan melalui penerapan kebijakan the implementation of maternity leave policies that support
cuti melahirkan yang mendukung keseimbangan antara a balance between work and family life. Every female
kehidupan kerja dan keluarga. Setiap karyawan perempuan employee who gives birth is entitled to 3 (three) months
yang melahirkan berhak memperoleh cuti melahirkan selama of maternity leave, providing sufficient time to prepare
3 (tiga) bulan, sehingga memiliki waktu yang memadai untuk for childbirth as well as to undergo recovery and care for
mempersiapkan persalinan serta menjalani masa pemulihan the newborn optimally.
dan perawatan bayi secara optimal.
Selain itu, OK BANK juga memberikan dukungan terhadap Moreover, OK BANK also supports the role of male employees
peran karyawan laki-laki dalam mendampingi pasangan pada in accompanying their partners during childbirth by providing
masa persalinan dengan menyediakan cuti bagi karyawan paternity leave for male employees for 2 (two) days, in
pria selama 2 (dua) hari, sesuai dengan ketentuan yang accordance with applicable regulations. This policy reflects
berlaku. Kebijakan ini mencerminkan komitmen OK BANK OK BANK’s commitment to creating an inclusive and family-
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dalam menciptakan lingkungan kerja yang inklusif dan ramah friendly work environment, while also affirming its concern for
keluarga, sekaligus menegaskan kepedulian OK BANK terhadap the fulfillment of the rights and well-being of all employees.
pemenuhan hak dan kesejahteraan seluruh karyawan.
Informasi lebih lengkap mengenai jumlah karyawan yang More detailed information regarding the total employees who
mengambil cuti melahirkan diuraikan sebagai berikut: took maternity leave is outlined as follows:
2025 2024 2023
Uraian
Description Pria Wanita Pria Wanita Pria Wanita
Male Female Male Female Male Female
Karyawan yang berhak mendapat dispensasi/cuti melahirkan
125 104 122 89 122 82
Employees entitled to maternity leave/dispensation
Karyawan yang mengambil dispensasi/cuti melahirkan
6 9 5 12 5 9
Employees who took maternity leave/dispensation
Karyawan yang kembali bekerja pada periode pelaporan setelah
dispensasi/cuti melahirkan berakhir
6 9 5 12 5 9
Employees who returned to work during the reporting period after
the maternity leave/dispensation ended
Karyawan yang kembali bekerja setelah dispensasi cuti melahirkan
berakhir, yang masih dipekerjakan 12 (dua belas) bulan setelah
kembali bekerja
6 9 5 12 5 9
Employees who returned to work after the maternity leave/
dispensation ended and were still employed 12 (twelve) months
after returning to work
Return to work and retention rate karyawan yang mengambil cuti
melahirkan (%)
100,00 100,00 100,00 100,00 100,00 100,00
Return-to-work and retention rate of employees who took
maternity leave (%)
Pada tahun 2025, jumlah karyawan wanita yang mengambil In 2025, the total female employees who took maternity leave
cuti melahirkan sebanyak 6 (enam) orang. Dari jumlah tersebut, amounted to 6 (six) people. Of this number, the return-to-work
tingkat karyawan yang kembali bekerja mencapai 100,00% dan rate reached 100.00%, while the retention rate of employees
tingkat karyawan yang dipertahankan hingga 12 (dua belas) who remained employed up to 12 (twelve) months after the end
bulan setelah cuti melahirkan berakhir mencapai 100,00%. of maternity leave reached 100.00%.
Program Pensiun [GRI 201-3] Pension Program [GRI 201-3]
OK BANK menyediakan program pensiun bagi karyawan OK BANK provides a pension program for employees
sebagai bagian dari upaya untuk memastikan kesejahteraan as part of its efforts to ensure their long-term welfare. Under
jangka panjang mereka. Dalam program ini, kontribusi this program, contributions are made by both OK BANK and
disalurkan baik dari pihak OK BANK maupun dari karyawan employees into a professionally managed pension fund.
ke dalam dana pensiun yang dikelola secara profesional. This scheme provides financial security for employees after
Skema ini memberikan kepastian finansial bagi karyawan the end of their working period, while also demonstrating
setelah masa kerja berakhir, sekaligus menunjukkan perhatian OK BANK’s commitment to employee protection and
OK BANK terhadap perlindungan dan perencanaan masa depan future planning. OK BANK provides an employee pension
tenaga kerjanya. OK BANK menyediakan program pensiun program managed by BPJS Employment, under which
karyawan yang dikelola oleh BPJS Ketenagakerjaan, di mana employees contribute 1% and OK BANK contributes 2% of
karyawan mengontribusikan sebanyak 1% dan OK BANK 2% the employee’s basic salary.
dari gaji pokok karyawan.
Pada tahun 2025, jumlah kontribusi yang dibayar ke dana In 2025, the total contribution paid to the BPJS Ketenagakerjaan
pensiun BPJS Ketenagakerjaan mencapai Rp6,28 miliar, pension fund reached Rp6.28 billion, an increase of 13.08%
meningkat 13,08% dibandingkan tahun sebelumnya sebesar compared to the previous year of Rp5.55 billion.
Rp5,55 miliar.
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Kesejahteraan Karyawan Employee Welfare
Kesejahteraan karyawan menjadi salah satu fokus utama dalam Employee welfare is one of the main focuses of HR management
manajemen SDM di OK BANK. Pemberian upah kepada karyawan at OK BANK. Employee remuneration is provided in accordance
dilakukan dengan mengacu pada ketentuan Undang-Undang with the provisions of Law Number 13 of 2003 on Manpower as
Nomor 13 Tahun 2003 tentang Ketenagakerjaan serta Ketentuan well as the applicable Provincial/Regency/City Minimum Wage
Upah Minimum Provinsi/Kabupaten/Kota yang berlaku. Selain itu, regulations. In addition, in structuring remuneration packages,
dalam penyusunan paket remunerasi, OK BANK juga mengikuti OK BANK also adheres to POJK Number 45/POJK.03/2015
ketentuan POJK Nomor 45/POJK.03/2015 tentang Penerapan on the Implementation of Good Corporate Governance in
Tata Kelola dalam Pemberian Remunerasi Bagi Bank Umum, Remuneration for Commercial Banks, ensuring that the
sehingga kebijakan kompensasi yang diterapkan mencerminkan compensation policies applied reflect the principles of fairness,
prinsip keadilan, transparansi, dan profesionalisme. transparency, and professionalism.
Selain kompensasi finansial, OK BANK menyediakan berbagai Beyond financial compensation, OK BANK provides various
fasilitas yang mendukung kesejahteraan karyawan secara facilities that support employees’ overall well-being. Health
menyeluruh. Fasilitas kesehatan dan asuransi menjadi bagian and insurance benefits form part of employee protection,
dari perlindungan karyawan, sehingga mereka dapat bekerja enabling employees to work with a sense of security and
dengan rasa aman dan terlindungi dari risiko kesehatan protection against potential health risks. The provision of
yang mungkin timbul. Penyediaan fasilitas ini tidak hanya these facilities not only enhances workplace comfort but also
meningkatkan kenyamanan kerja, tetapi juga mencerminkan reflects OK BANK’s concern for employees’ quality of life.
kepedulian OK BANK terhadap kualitas hidup karyawan.
Tidak hanya dari sisi perlindungan dan kompensasi, OK BANK In addition to protection and compensation, OK BANK also
juga mendorong pengembangan kompetensi dan karier encourages employee competency and career development
karyawan melalui program pelatihan yang terstruktur. OK BANK through structured training programs. OK BANK provides
menyediakan kesempatan bagi karyawan untuk meningkatkan opportunities for employees to enhance both technical skills
kemampuan teknis maupun soft skills yang relevan dengan and soft skills relevant to their roles. This approach helps
peran karyawan. Pendekatan ini membantu karyawan mencapai employees achieve their maximum potential while supporting
potensi maksimalnya sekaligus mendukung pertumbuhan sustainable professional growth within the workplace.
profesional yang berkelanjutan di lingkungan kerja.
Dengan kombinasi kompensasi yang adil, fasilitas pendukung, dan Through a combination of fair compensation, supporting
program pengembangan karier, OK BANK berupaya menciptakan facilities, and career development programs, OK BANK strives
lingkungan kerja yang harmonis dan produktif. Kebijakan to create a harmonious and productive work environment.
kesejahteraan ini tidak hanya meningkatkan motivasi dan loyalitas These welfare policies not only increase employee
karyawan, tetapi juga mendukung kinerja keseluruhan OK BANK motivation and loyalty, but also support OK BANK’s overall
dalam mencapai tujuan bisnis secara berkelanjutan. performance in achieving its business objectives sustainably.
Upah Minimum Regional [POJK F.20] Regional Minimum Wage [POJK F.20]
OK BANK memberikan perhatian khusus terhadap penerapan OK BANK gives special attention to the implementation of
Upah Minimum Regional (UMR) sebagai bagian dari komitmen the Regional Minimum Wage (UMR) as part of its commitment
terhadap kesejahteraan karyawan dan kepatuhan terhadap to employee welfare and compliance with applicable labor
peraturan ketenagakerjaan yang berlaku. Besaran upah yang regulations. The level of wages provided is adjusted to
diberikan disesuaikan dengan standar Upah Minimum Provinsi, the applicable Provincial, Regency, or City Minimum Wage
Kabupaten, atau Kota, sehingga setiap karyawan menerima standards, ensuring that each employee receives fair
kompensasi yang adil sesuai dengan wilayah tempat mereka compensation in accordance with the region in which they
bekerja. Pendekatan ini mencerminkan prinsip keadilan dan work. This approach reflects the principles of fairness and
profesionalisme dalam pengelolaan SDM, sekaligus mendukung professionalism in HR management, while also supporting
stabilitas finansial dan motivasi kerja karyawan. [GRI 3-3] employees’ financial stability and work motivation. [GRI 3-3]
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Informasi mengenai perbandingan upah minimum OK BANK Information regarding the comparison between OK BANK’s
dengan UMR pada tahun 2025 diuraikan sebagai berikut: minimum wages and the UMR in 2025 is outlined as follows:
TABEL PERBANDINGAN UPAH MINIMUM OK BANK VS UMR 2025 [GRI 202-1]
Table of the Comparison of the OK BANK’s Minimum Wage vs UMR in 2025
Rasio Perbandingan
Upah Karyawan Baru antara Upah Minimum
Golongan Terendah OK BANK dengan UMR
Upah Minimum
New Employee Wage Ratio Comparison between
Setempat
Wilayah for the Lowest Group OK BANK’s Minimum Wage Operating
No. Regional
Operasi (Rp) and the UMR Region
Minimum Wage
(%)
(Rp)
Pria Wanita Pria Wanita
Male Female Male Female
1. Jakarta 5.396.761 5.400.000 5.400.000 100,06 100,06 Jakarta
2. Jawa Tengah 2.169.348 5.400.000 5.400.000 248,92 248,92 Central Java
3. Jawa Timur 2.305.985 5.400.000 5.400.000 234,17 234,17 East Java
4. Bali 3.298.117 5.400.000 5.400.000 163,73 163,73 Bali
5. Jawa Barat 2.191.238 5.400.000 5.400.000 246,44 246,44 West Java
PERBANDINGAN RASIO UPAH YANG DITERIMA KARYAWAN WANITA DAN PRIA
BERDASARKAN LEVEL JABATAN [GRI 405-2]
Comparison of Wage Ratios Received by Female and Male Employees by Job Level
Uraian Wanita Pria
Description Female Male
Executive Level 1,00 1,00
Senior Level 1,00 1,00
Mid Level 1,00 1,00
Entry Level 1,00 1,00
Selain gaji pokok, OK BANK juga menyediakan beragam In addition to basic salary, OK BANK also provides various
fasilitas dan benefit bagi karyawan, yang jenis dan nilainya facilities and benefits for employees, the types and values of
disesuaikan dengan tingkat jabatan masing-masing. Berbagai which are adjusted according to each employee’s job level.
jenis fasilitas dan benefit yang diberikan OK BANK kepada The various types of facilities and benefits provided by OK BANK
karyawan selain dari gaji diuraikan sebagai berikut: to employees aside from salary are outlined as follows:
1. Manfaat Kesehatan Rawat Jalan; 1. Outpatient Healthcare Benefits;
2. Manfaat Kesehatan Rawat Inap dengan Asuransi; 2. Inpatient Healthcare Benefits with Insurance Coverage;
3. Tunjangan-tunjangan, seperti Tunjangan Jabatan, Tunjangan 3. Allowances, such as Position Allowance, Transportation
Transportasi, Tunjangan Komunikasi, dan lain-lain; Allowance, Communication Allowance, and others;
4. Fasilitas Pinjaman Karyawan; serta 4. Employee Loan Facilities; and
5. Tunjangan Hari Raya dan Tunjangan Akhir Tahun. 5. Religious Holiday Allowance and Year-End Allowance.
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Informasi lebih lanjut mengenai fasilitas yang diterima Further information regarding the facilities received by
karyawan OK BANK diuraikan sebagai berikut: OK BANK employees is outlined as follows:
FASILITAS YANG DITERIMA KARYAWAN [GRI 401-2]
Facilities Received by Employees
Karyawan Tetap Karyawan Kontrak
Fasilitas Facilities
Permanent Employees Contract Employees
Gaji Pokok Basic Salary
Tunjangan Hari Raya Religious Holiday Allowance
Tunjangan Pajak Penghasilan Income Tax Allowance
BPJS Kesehatan BPJS Health
BPJS Ketenagakerjaan BPJS Employment
Bantuan Perusahaan Fasilitas Company Assistance for Official
Kendaraan Jabatan Vehicle Facilities
Dana Pensiun Lembaga Keuangan Financial Institution Pension Fund
Tunjangan Transportasi Transportation Allowance
Bonus Kinerja Performance Bonus
Asuransi Insurance
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratios
Dalam rangka mendukung transparansi dan keadilan In order to support transparency and fairness in compensation,
kompensasi, OK BANK meninjau rasio gaji antara posisi dengan OK BANK reviews the salary ratio between positions with
imbalan tertinggi dan terendah di lingkungan Bank. Selain gaji the highest and lowest remuneration within the Bank. In
pokok, OK BANK memberikan berbagai tunjangan dan fasilitas addition to basic salary, OK BANK provides various allowances
tambahan, termasuk bonus kinerja, asuransi kesehatan, and additional benefits, including performance bonuses,
dan program pengembangan karier. Hal ini bertujuan untuk health insurance, and career development programs.
memastikan setiap karyawan, mulai dari tingkat pelaksana This approach aims to ensure that every employee, from
hingga Kepala Divisi, mendapatkan penghargaan yang staff level to Division Heads, receives compensation that
proporsional terhadap tanggung jawab dan kontribusi mereka is proportional to their responsibilities and contributions
dalam menjalankan operasional OK BANK. in carrying out OK BANK’s operations.
Perbandingan gaji yang dianalisis dalam rasio ini mencakup The salary comparison analyzed in this ratio includes
imbalan yang diterima oleh anggota Dewan Komisaris, the remuneration received by members of the Board of
Direksi, dan karyawan tetap OK BANK setiap bulan. Commissioners, the Board of Directors, and permanent
Dengan melakukan evaluasi ini, OK BANK dapat menilai employees of OK BANK on a monthly basis. By conducting
keselarasan struktur gaji internal, menjaga motivasi kerja, this evaluation, OK BANK is able to assess the alignment of its
dan mendukung prinsip keadilan dalam manajemen SDM. internal salary structure, maintain work motivation, and uphold
the principle of fairness in HR management.
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Uraian 2025 2024 2023 Description
Rasio Gaji Karyawan yang Tertinggi dan Terendah 18,20 1,02 0,95 Ratio of Highest and Lowest Employee Salary
Ratio of Highest and Lowest Salary of
Rasio Gaji Direksi yang Tertinggi dan Terendah 1,56 0,65 0,63
the Board of Directors
Ratio of the Highest and Lowest Salary of the
Rasio Gaji Komisaris yang Tertinggi dan Terendah - 0,21 0,21
Board of Commissioners
Ratio of the Highest Salary of
Rasio Gaji Tertinggi Direksi dan Karyawan 38,26 0,65 0,66
the Board of Directors and Employees
Hubungan Industrial [GRI 2-30] Industrial Relations [GRI 2-30]
Hubungan industrial di OK BANK dibangun atas dasar kerja Industrial relations at OK BANK are built on harmonious
sama yang harmonis antara manajemen dan karyawan, dengan cooperation between management and employees, upholding
menjunjung tinggi prinsip saling menghormati, keterbukaan, the principles of mutual respect, openness, and compliance
dan kepatuhan terhadap peraturan ketenagakerjaan yang with applicable labor regulations. Through constructive
berlaku. Melalui komunikasi yang konstruktif dan dialog communication and continuous dialogue, OK BANK strives
yang berkesinambungan, OK BANK berupaya menciptakan to create a conducive, fair, and productive work environment.
lingkungan kerja yang kondusif, adil, dan produktif. Hubungan Healthy industrial relations become an important foundation
industrial yang baik ini menjadi landasan penting dalam in supporting operational stability and encouraging improved
mendukung stabilitas operasional dan mendorong peningkatan performance and the welfare of all members of OK BANK.
kinerja serta kesejahteraan seluruh insan OK BANK.
Sepanjang tahun 2025, jumlah biaya tenaga kerja yang Throughout 2025, total employee expenses incurred by
dikeluarkan OK BANK mencapai Rp63 miliar meningkat OK BANK reached Rp63 billion, an increase of 22% compared
22% dibandingkan tahun sebelumnya sebesar Rp55 miliar. to Rp55 billion in the previous year. Meanwhile, none of
Sementara itu, seluruh karyawan OK BANK tidak tergabung OK BANK’s employees are members of a labor union, and there is
dalam serikat pekerja dan tidak terdapat Perjanjian Kerja no Collective Labor Agreement (PKB) in place. As an alternative,
Bersama (PKB) yang berlaku. Sebagai alternatif, hubungan the employment relationship between OK BANK and its
kerja antara OK BANK dan karyawan diatur melalui Peraturan employees is governed by Company Regulations which are
Perusahaan yang disusun sesuai dengan ketentuan prepared in accordance with applicable laws and regulations.
perundang-undangan yang berlaku. Dalam kondisi tersebut, OK Under these conditions, OK BANK continues to ensure that
BANK tetap memastikan bahwa hak-hak karyawan terlindungi employee rights are fairly protected and that any policy changes
secara adil dan bahwa setiap perubahan kebijakan yang with significant impact on employees are communicated
berdampak signifikan terhadap karyawan dikomunikasikan transparently and in a timely manner.
secara transparan dan tepat waktu.
Pengelolaan Keselamatan dan Kesehatan Management of Occupational Safety and
Kerja [POJK F.21] [ESG S-11] Health [POJK F.21] [ESG S-11]
Keselamatan dan Kesehatan Kerja (K3) menjadi aspek Occupational Health and Safety (OHS) is an important aspect in
penting dalam menciptakan lingkungan kerja yang aman, creating a safe, comfortable, and productive work environment
nyaman, dan produktif di OK BANK. Untuk memastikan at OK BANK. To ensure the consistent implementation of
penerapan prinsip-prinsip tersebut secara konsisten, these principles, OK BANK firmly incorporates OHS policies
OK BANK secara tegas mencantumkan kebijakan K3 dalam into the Collective Labor Agreement (CLA). This inclusion
Perjanjian Kerja Bersama (PKB). Hal ini menegaskan komitmen affirms OK BANK’s commitment to protecting all employees
OK BANK dalam melindungi seluruh karyawan dari risiko from occupational risks and minimizing the potential for
kerja dan meminimalkan potensi kecelakaan atau gangguan occupational accidents or diseases.
kesehatan di lingkungan kerja.
Penyertaan kebijakan K3 dalam PKB juga menjadi landasan The inclusion of OHS policies in the CLA also serves as
bagi pengelolaan program keselamatan kerja yang terstruktur, the foundation for managing structured occupational safety
mulai dari identifikasi risiko, penerapan prosedur keselamatan, programs, ranging from risk identification and the implementation
hingga pelatihan dan sosialisasi bagi seluruh karyawan. of safety procedures to training and socialization for all
Dengan pendekatan ini, OK BANK tidak hanya memastikan employees. Through this approach, OK BANK not only ensures
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kepatuhan terhadap peraturan ketenagakerjaan, tetapi juga compliance with labor regulations but also builds a work culture
membangun budaya kerja yang peduli terhadap keselamatan that prioritizes safety and health, thereby supporting employee
dan kesehatan, sehingga mendukung produktivitas dan productivity and overall well-being.
kesejahteraan karyawan secara menyeluruh.
OK BANK telah menerapkan kebijakan dan sarana K3 di OK BANK has implemented OHS policies and facilities within
lingkungan Bank yang diuraikan sebagai berikut: the Bank, which are outlined as follows:
1. Karyawan mengetahui prosedur menyelamatkan diri 1. Employees are aware of emergency evacuation procedures;
dalam keadaan darurat;
2. Adanya informasi nomor telepon penting, seperti pemadam 2. Availability of important contact numbers, such as fire
kebakaran dan kepolisian; department and police;
3. Kewajiban untuk menggunakan kartu identitas selama di 3. Obligation to wear an identification card within
lingkungan kerja; the workplace;
4. Kewajiban identifikasi tamu tidak dikenal yang berada 4. Obligation to identify unknown visitors within
dalam lokasi OK BANK; the OK BANK’s premises;
5. Penyediaan fasilitas kesehatan asuransi jiwa dan fasilitas 5. Provision of health insurance and employee work support
pendukung kerja karyawan; facilities;
6. Pemeriksaan kesehatan badan dan kemampuan fisik 6. Health checks and physical ability assessments for
karyawan, salah satunya melalui medical check-up secara employees, including regular medical check-ups;
rutin;
7. Kewajiban pengecekan APAR secara rutin; 7. Mandatory regular inspection of APAR;
8. Penyediaan ruang P3K; 8. Provision of a P3K room;
9. Penandaan jalur evakuasi dan penyediaan titik kumpul di 9. Marking of evacuation routes and provision of assembly
area terbuka halaman depan dan belakang kantor; points in the front and back open areas of the office;
10. Terdapat sistem alarm dan smoke detector yang berfungsi 10. Availability of a functioning alarm system and smoke
dengan baik; serta detectors; and
11. Terdapat tangga darurat di area belakang gedung. 11. Provision of an emergency staircase located at the back of
the building.
Pelatihan Kondisi Darurat Emergency Condition Training
OK BANK secara proaktif menyiapkan berbagai fasilitas dan OK BANK proactively prepares various facilities and procedures
prosedur untuk menghadapi kondisi darurat, termasuk tersedianya to address emergency situations, including the availability of
perlengkapan P3K, APAR, dan petunjuk evakuasi yang jelas serta P3K kits, APAR and clear evacuation instructions that are easily
mudah diakses oleh seluruh karyawan dan nasabah. OK BANK accessible to all employees and customers. OK BANK has also
juga menetapkan lokasi titik kumpul yang aman sebagai bagian designated safe assembly points as part of its emergency
dari rencana tanggap darurat, sehingga setiap orang dapat response plan, enabling everyone to gather in an orderly manner
berkumpul dengan teratur saat terjadi situasi kritis. Selain fasilitas in the event of a critical situation. In addition to physical facilities,
fisik, OK BANK menyelenggarakan pelatihan secara berkala untuk OK BANK conducts regular training to ensure that employees
memastikan karyawan memahami prosedur darurat, mampu understand emergency procedures, are able to respond quickly
bertindak cepat dan tepat, serta meningkatkan kesiapsiagaan and appropriately, and enhance overall preparedness in dealing
seluruh pihak dalam menghadapi potensi risiko. with potential risks.
Kinerja K3 Tahun 2025 OHS Performance in 2025
Sebagai wujud komitmen terhadap K3, OK BANK menempatkan As a manifestation of its commitment to OHS, OK BANK sets
pencapaian nihil kecelakaan atau zero accident sebagai the achievement of zero accidents as a primary target across all
target utama dalam seluruh aktivitas operasionalnya. operational activities. This commitment is implemented through
Komitmen ini diwujudkan melalui penerapan prosedur the application of safe work procedures, increased employee
kerja yang aman, peningkatan kesadaran karyawan awareness of occupational risks, and continuous supervision to
terhadap risiko kerja, dan pengawasan yang berkelanjutan minimize the potential for occupational accidents. By prioritizing
untuk meminimalkan potensi kecelakaan di lingkungan OHS aspects, OK BANK strives to create a safe and healthy
kerja. Dengan menjadikan aspek K3 sebagai prioritas, work environment that sustainably supports productivity.
OK BANK berupaya menciptakan lingkungan kerja yang aman,
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sehat, dan mendukung produktivitas secara berkelanjutan. Information regarding OK BANK’s OHS performance over
Informasi mengenai kinerja K3 OK BANK selama 3 (tiga) tahun the past 3 (three) years is outlined as follows:
terakhir diuraikan sebagai berikut:
TABEL KINERJA K3 TAHUN 2023-2025 [ESG S-06]
Table of OHS Performance in 2023-2025
Tingkat Kecelakaan Kerja
Occupational Accident Rate Jumlah Hari Kerja Ketidakhadiran
Tahun Hilang Karyawan
No.
Year Fatal/ Total Lost Employee
Ringan Sedang Berat
Kematian Workdays Absenteeism
Mild Moderate Severe
Fatal
Nihil Nihil Nihil Nihil
1. 2025 - -
None None None None
Nihil Nihil Nihil Nihil
2. 2024 - -
None None None None
Nihil Nihil Nihil Nihil
3. 2023 - -
None None None None
Frekuensi Kecelakaan Kerja dari Total Pegawai
Frequency of Occupational Accidents from Total Employees
0,00
Persentase Kecelakaan Kerja Serius yang Berakibat Cedera Serius dan Fatal
dari Total Pegawai
Percentage of Serious Occupational Accidents Resulting in Serious Injury and Fatalities
from Total Employees
0,00%
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Komitmen terhadap Nasabah
Commitment to Customers
OK BANK menempatkan kepuasan dan perlindungan nasabah OK BANK places customer satisfaction and protection
sebagai fokus utama dalam setiap layanan. OK BANK as a main focus in every service it provides. OK BANK is
berkomitmen menyediakan produk dan layanan yang committed to delivering products and services that are
transparan, aman, dan mudah diakses, sambil memastikan transparent, secure, and easily accessible, while ensuring that
hak-hak nasabah dihormati dan dilindungi. Hal ini mencakup customers’ rights are respected and protected. This includes
pelayanan yang responsif terhadap keluhan atau pertanyaan, responsive handling of complaints or inquiries, the application
penerapan praktik bisnis yang adil, dan edukasi bagi nasabah of fair business practices, and customer education to enable
agar dapat mengambil keputusan keuangan dengan tepat. informed financial decision-making.
Menjaga Kepuasan dan Loyalitas Nasabah Maintaining Customer Satisfaction and
[POJK F.17] Loyalty [POJK F.17]
Menjaga kepuasan dan loyalitas nasabah menjadi fokus Maintaining customer satisfaction and loyalty is a key focus
utama dalam operasional OK BANK, karena keberhasilan of OK BANK’s operations, as the success of banking services
layanan perbankan sangat bergantung pada kepercayaan is highly dependent on customer trust and satisfaction.
dan kepuasan nasabah. OK BANK menyadari bahwa setiap OK BANK recognizes that every interaction with customers,
interaksi dengan nasabah, baik melalui layanan langsung whether through in-person or digital services, is an opportunity
maupun digital, merupakan kesempatan untuk membangun to build strong and sustainable relationships. These
hubungan yang kuat dan berkelanjutan. Upaya ini mencakup efforts include understanding customer needs, providing
pemahaman terhadap kebutuhan nasabah, penyediaan produk relevant products and services, and responding promptly to
dan layanan yang relevan, serta respons yang cepat terhadap feedback or complaints.
masukan atau keluhan.
Salah satu aspek penting dalam menjaga kepercayaan nasabah One important aspect of maintaining customer trust is
adalah pengelolaan data pribadi dan informasi finansial mereka the serious management of customers’ personal data and
dengan sangat serius. OK BANK menerapkan standar keamanan financial information. OK BANK implements high security
yang tinggi dan prosedur proteksi data yang ketat, sehingga standards and strict data protection procedures to ensure that
informasi nasabah tetap terlindungi dari risiko kebocoran atau customer information remains protected from the risk of data
penyalahgunaan. Pendekatan ini tidak hanya mematuhi regulasi breaches or misuse. This approach not only complies with
yang berlaku, tetapi juga menjadi bentuk penghargaan terhadap applicable regulations, but also serves as a form of respect for
privasi dan hak nasabah. customer privacy and rights.
Selain proteksi data, OK BANK juga fokus pada peningkatan In addition to data protection, OK BANK also focuses on
kualitas layanan melalui berbagai program pelatihan karyawan, improving service quality through various employee training
inovasi produk, dan penyederhanaan proses transaksi. Dengan programs, product innovation, and the simplification of
menjaga layanan yang konsisten, aman, dan responsif, transaction processes. By maintaining consistent, secure, and
OK BANK berupaya meningkatkan kepuasan nasabah sekaligus responsive services, OK BANK strives to enhance customer
membangun loyalitas jangka panjang. Strategi ini membantu satisfaction while building long-term loyalty. This strategy helps
memastikan bahwa nasabah merasa dihargai dan percaya ensure that customers feel valued and confident in continuing
untuk terus menggunakan layanan OK BANK dalam berbagai to use OK BANK’s services for their various banking needs.
kebutuhan perbankan mereka. OK BANK mengamankan data OK BANK secures sensitive customer data in accordance with
sensitif nasabah mengacu pada berbagai ketentuan yang the following provisions:
diuraikan sebagai berikut:
1. Undang-Undang Republik Indonesia Nomor 27 Tahun 2022 1. Law of the Republic of Indonesia Number 27 of 2022 on
tentang Perlindungan Data Pribadi; Personal Data Protection;
2. Undang-Undang Republik Indonesia Nomor 8 Tahun 1999 2. Law of the Republic of Indonesia Number 8 of 1999 on
tentang Perlindungan Konsumen; Consumer Protection;
3. POJK Nomor 6/POJK.07/2022 tentang Perlindungan 3. POJK Number 6/POJK.07/2022 on Consumer Protection in
Konsumen Sektor Jasa Keuangan; the Financial Services Sector;
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4. POJK Nomor 18/POJK.07/2018 tentang Layanan 4. POJK Number 18/POJK.07/2018 on Consumer Complaint
Pengaduan Konsumen di Sektor Jasa Keuangan; serta Services in the Financial Services Sector; and
5. POJK Nomor 31/POJK.07/2020 tanggal 22 April 2020 5. POJK Number 31/POJK.07/2020 dated April 22, 2020
perihal Penyelenggaraan Layanan Konsumen dan on the Provision of Consumer and Public Services in
Masyarakat di Sektor Jasa Keuangan oleh Otoritas Jasa the Financial Services Sector by the Financial Services
Keuangan. Authority.
Inovasi dan Pengembangan Produk/Jasa Innovation and Sustainable Finance
Keuangan Berkelanjutan [POJK F.26] Product/Service Development [POJK F.26]
OK BANK senantiasa melakukan upaya inovasi dan OK BANK consistently undertakes innovation and development
pengembangan terhadap produk serta jasa keuangan efforts for its financial products and services to ensure
yang ditawarkan guna memastikan kesesuaiannya dengan their alignment with customer needs and developments in
kebutuhan nasabah dan perkembangan industri perbankan. the banking industry. Through continuous evaluation and
Melalui evaluasi dan penyempurnaan berkelanjutan, OK BANK refinement, OK BANK focuses on improving service quality,
berfokus pada peningkatan kualitas layanan, efektivitas process effectiveness, and strengthening the governance of
proses, dan penguatan tata kelola produk yang ada. Namun existing products. However, throughout 2025, OK BANK did
demikian, sepanjang tahun 2025 OK BANK belum meluncurkan not launch any new sustainable financial product innovations,
inovasi produk keuangan berkelanjutan yang baru, seiring as the Bank concentrated on optimizing and strengthening
dengan fokus OK BANK pada optimalisasi dan pemantapan the implementation of its existing products and services.
implementasi produk dan layanan yang telah berjalan.
Produk/Jasa yang Sudah Dievaluasi Products/Services with Evaluated Security
Keamanannya [POJK F.27] [GRI 416-1] [POJK F.27] [GRI 416-1]
Perkembangan layanan digital menjadi salah satu fokus The development of digital services has become one of
utama OK BANK dalam menghadirkan pengalaman perbankan OK BANK’s main focuses in delivering a faster, easier, and
yang lebih cepat, mudah, dan efisien bagi nasabah. Seiring more efficient banking experience for customers. Along with
dengan peningkatan penggunaan platform digital, OK BANK the increased use of digital platforms, OK BANK places security
menempatkan keamanan sebagai prioritas utama untuk as a top priority to protect customers from potential cyber
melindungi nasabah dari potensi ancaman siber dan risiko threats and data leakage risks. This approach ensures that
kebocoran data. Pendekatan ini memastikan bahwa setiap every product and service provided is not only practical, but
produk dan layanan yang disediakan tidak hanya praktis, tetapi also secure and reliable. [GRI 3-3]
juga aman dan dapat dipercaya. [GRI 3-3]
Untuk menjamin keamanan layanan, OK BANK secara berkala In order to ensure service security, OK BANK regularly conducts
melakukan evaluasi menyeluruh terhadap infrastruktur comprehensive evaluations of its technology infrastructure.
teknologi yang diterapkan. Proses evaluasi ini mencakup This evaluation process includes reviews of systems,
pemeriksaan sistem, perangkat lunak, dan prosedur software, and operational procedures to ensure that all digital
operasional untuk memastikan bahwa seluruh komponen components operate optimally and securely. Through routine
digital bekerja secara optimal dan aman. Dengan pemantauan monitoring, OK BANK is able to detect potential vulnerabilities
rutin, OK BANK dapat mendeteksi potensi kerentanan sejak at an early stage and take the necessary corrective actions
dini dan mengambil langkah perbaikan yang diperlukan before they have an impact on customers. [GRI 3-3]
sebelum berdampak pada nasabah. [GRI 3-3]
Selain evaluasi internal, OK BANK juga mengadopsi prosedur In addition to internal evaluations, OK BANK also adopts
standar keamanan informasi sesuai dengan sertifikasi information security standard procedures in accordance
ISO 27001:2013. Standar ini menjadi acuan dalam pengelolaan with ISO 27001:2013 certification. This standard serves
risiko informasi, pengendalian akses, dan perlindungan data as a reference for information risk management, access
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nasabah. Dengan penerapan prosedur yang sistematis dan control, and the protection of customer data. By implementing
berbasis standar internasional, OK BANK memastikan bahwa systematic procedures based on international standards,
setiap produk dan layanan digital telah dievaluasi keamanannya, OK BANK ensures that all digital products and services have
sehingga mendukung kepercayaan dan kenyamanan nasabah undergone security evaluations, thereby supporting customer
dalam menggunakan layanan perbankan. [GRI 3-3] trust and convenience in using banking services. [GRI 3-3]
Dampak Produk dan Jasa yang Diberikan Impact of Products and Services Provided
[POJK F.28] [POJK F.28]
Produk dan jasa yang disediakan oleh OK BANK memberikan The products and services provided by OK BANK have
dampak positif bagi nasabah dalam memenuhi berbagai a positive impact on customers in meeting various financial needs,
kebutuhan keuangan, baik untuk keperluan pribadi maupun both for personal purposes and business development. Through
pengembangan usaha. Melalui ragam layanan perbankan yang various secure and easily accessible banking services, customers
aman dan mudah diakses, nasabah memperoleh kemudahan gain convenience in conducting transactions, managing
dalam melakukan transaksi, pengelolaan dana, dan perencanaan funds, and carrying out more structured financial planning.
keuangan yang lebih terstruktur. Keberadaan produk-produk The availability of these products helps enhance customer
tersebut membantu meningkatkan kenyamanan dan kepercayaan comfort and confidence in engaging with banking services.
nasabah dalam berinteraksi dengan layanan perbankan.
Selain itu, manfaat yang dihasilkan dari produk dan jasa Moreover, the benefits generated from OK BANK’s
OK BANK turut berkontribusi pada peningkatan kesejahteraan products and services also contribute to improving
finansial nasabah. Dengan dukungan layanan yang andal dan customers’ financial well-being. With the support of
sesuai dengan kebutuhan, nasabah dapat mengoptimalkan reliable and needs-based services, customers are
pengelolaan keuangannya, meningkatkan efisiensi aktivitas able to optimize their financial management, increase
ekonomi, dan mendukung pertumbuhan usaha secara the efficiency of economic activities, and support sustainable
berkelanjutan. Dampak ini mencerminkan peran OK BANK business growth. This impact reflects OK BANK’s role as
sebagai mitra keuangan yang memberikan nilai tambah dan a financial partner that delivers added value and relevant
solusi yang relevan bagi nasabah. solutions for its customers.
Privasi Nasabah Customer Privacy
OK BANK berkomitmen penuh dalam melindungi privasi dan OK BANK is fully committed to protecting customer
kerahasiaan data nasabah melalui penerapan kebijakan privasi privacy and the confidentiality of customer data through
yang ketat dan sesuai dengan peraturan perundang-undangan the implementation of strict privacy policies in accordance
yang berlaku. Kebijakan tersebut mengatur pengelolaan, with applicable laws and regulations. These policies regulate
penggunaan, penyimpanan, dan pengamanan data nasabah agar the management, use, storage, and protection of customer
hanya digunakan untuk kepentingan layanan perbankan dan tidak data so that it is used solely for banking service purposes
disalahgunakan. OK BANK juga menerapkan sistem pengendalian and not misused. OK BANK also implements internal control
internal dan langkah-langkah keamanan teknologi informasi systems and information technology security measures to
untuk mencegah akses, pengungkapan, atau penggunaan data prevent unauthorized access, disclosure, or use of data, as
secara tidak sah, sebagai bagian dari upaya menjaga kepercayaan part of its efforts to maintain customer trust and ensure the
nasabah dan memastikan integritas layanan perbankan. integrity of banking services.
Jumlah Produk yang Ditarik Kembali [POJK F.29] Total Products Withdrawn [POJK F.29]
Sepanjang tahun 2025, OK BANK menjalankan kegiatan Throughout 2025, OK BANK conducted its operational activities
operasional tanpa adanya penarikan kembali terhadap produk without any recalls of the financial products or services that
maupun layanan keuangan yang telah ditawarkan kepada had been offered to customers. This reflects OK BANK’s
nasabah. Hal ini mencerminkan komitmen OK BANK dalam commitment to ensuring that every product and service
memastikan setiap produk dan layanan yang diluncurkan telah launched has undergone adequate planning, supervision, and
melalui proses perencanaan, pengawasan, dan pengendalian risk control processes, thereby remaining in compliance with
risiko yang memadai, sehingga tetap sesuai dengan ketentuan applicable regulations and customer needs.
yang berlaku dan kebutuhan nasabah.
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Pengaduan Nasabah [GRI 2-16, 2-26] Customer Complaints [GRI 2-16, 2-26]
OK BANK menempatkan pengelolaan pengaduan nasabah OK BANK considers the management of customer complaints
sebagai bagian penting dalam menjaga kualitas layanan as an important part of maintaining service quality and
dan membangun kepercayaan nasabah. Dalam menjalankan building customer trust. In carrying out this process, OK BANK
proses ini, OK BANK mengacu pada Peraturan Bank Indonesia refers to Bank Indonesia Regulation Number 10/10/PBI/2008
Nomor 10/10/PBI/2008 tanggal 28 Februari 2008, yang dated February 28, 2008, which is an amendment to
merupakan perubahan atas PBI Nomor 7/7/PBI/2005 PBI Number 7/7/PBI/2005 concerning Customer Complaint
tentang Penyelesaian Pengaduan Nasabah. Selain itu, Resolution. In addition, OK BANK consistently complies with
OK BANK juga senantiasa mematuhi ketentuan SEOJK SEOJK Number 2/SEOJK.07/2014 dated February 14, 2014,
Nomor 2/SEOJK.07/2014 tanggal 14 Februari 2014, yang which regulates consumer complaint services and resolution for
mengatur pelayanan dan penyelesaian pengaduan konsumen financial services business actors.
bagi pelaku usaha jasa keuangan.
Nasabah dapat menyampaikan pengaduan melalui berbagai Customers may submit complaints through various available
kanal yang tersedia, termasuk email, call center, layanan mobile channels, including email, call center, mobile banking services,
banking, dan platform digital lainnya. Selain itu, nasabah juga and other digital platforms. In addition, customers also have
memiliki opsi untuk datang langsung ke kantor cabang untuk the option to visit branch offices directly to submit complaints
menyampaikan keluhan secara tatap muka. Dengan menyediakan in person. By providing multiple complaint channels, OK BANK
berbagai jalur pengaduan, OK BANK memastikan akses yang ensures easy and convenient access for customers to convey
mudah dan nyaman bagi nasabah dalam menyampaikan feedback or complaints.
masukan maupun keluhan.
Proses pengelolaan pengaduan dilakukan secara sistematis The complaint management process is carried out in
dan terdokumentasi dengan baik, sehingga setiap laporan dapat a systematic and well-documented manner, ensuring that
ditindaklanjuti secara tepat waktu. OK BANK berkomitmen untuk each report can be followed up in a timely manner. OK BANK
memberikan respons yang cepat dan solusi yang memuaskan is committed to providing prompt responses and satisfactory
bagi nasabah, sambil tetap mematuhi ketentuan peraturan solutions for customers, while continuing to comply with
yang berlaku. Pendekatan ini mendukung peningkatan kualitas applicable regulatory requirements. This approach supports
layanan, menjaga hubungan baik dengan nasabah, dan improvements in service quality, maintains good relationships
memperkuat kepercayaan masyarakat terhadap OK BANK. with customers, and strengthens public trust in OK BANK.
Untuk memperoleh gambaran lengkap mengenai tata cara To provide a comprehensive overview of the customer
pengajuan pengaduan nasabah, berikut hal-hal yang perlu complaint submission procedures, the following key points
diketahui: should be noted:
1. Pihak yang Berhak untuk Menyampaikan Pengaduan 1. Parties Entitled to Submit Complaints
Seluruh nasabah termasuk pemangku kepentingan lainnya All customers, including other stakeholders, have the right
berhak untuk melaporkan pengaduan. Pengaduan dapat to submit complaints. Complaints may be submitted
disampaikan langsung oleh nasabah atau perwakilannya. directly by the customer or their representative.
Apabila pengaduan nasabah disampaikan oleh perwakilan If a customer complaint is submitted by a representative, it
nasabah harus disertai dengan dokumen sebagai berikut: must be accompanied by the following documents:
a. Fotokopi bukti identitas nasabah dan perwakilan a. A copy of the identity document of both the customer
nasabah; serta and the customer’s representative; and
b. Surat kuasa dari nasabah kepada perwakilan nasabah b. A power of attorney from the customer authorizing
yang menyatakan bahwa nasabah memberikan the representative to act on behalf of the customer.
kewenangan bertindak untuk dan atas nama nasabah. If the representative is an institution or legal entity,
Jika perwakilan nasabah adalah lembaga atau badan supporting documents authorizing the representative
hukum maka harus dilampiri dengan dokumen yang to act on behalf of the institution and/or legal entity
menyatakan dari pihak berwenang untuk mewakili must also be provided.
lembaga dan/atau badan hukum tersebut.
2. Tata Cara Pengaduan Lisan 2. Verbal Complaint Procedures
Pengaduan lisan yaitu pengaduan melalui telepon Verbal complaints can be submitted via telephone to
ke Customer Care di Nomor 150-112 atau telepon ke Customer Care at 150-112 or by contacting a branch’s
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Customer Service cabang. Pengaduan secara tertulis, Customer Service. Written complaints may be submitted
yaitu pengaduan yang disampaikan oleh nasabah directly by the customer or their representative by visiting
atau perwakilan nasabah dengan mengunjungi kantor an OK BANK office, or through written media, such
OK BANK, atau melalui sarana/media tertulis, seperti surat as a letter sent to the OK BANK office by post, OK BANK’s
yang dikirim ke kantor OK BANK melalui pos, situs web OK website, social media, newspaper, magazine, or via
BANK, media sosial, surat kabar, majalah atau melalui email email to customercare@okbank.co.id.
ke customercare@okbank. co.id.
3. Jenis Pengaduan 3. Types of Complaints
Pengaduan transaksional, yaitu pengaduan yang Transactional complaints refer to complaints that have
berdampak pada kerugian secara finansial. Pengaduan a financial loss impact. Meanwhile, non-transactional
non-transaksional, yaitu pengaduan yang tidak berdampak complaints refer to complaints that do not have
pada kerugian secara finansial. a financial loss impact.
4. Informasi dan Dokumen Pendukung 4. Information and Supporting Documents
Menyampaikan secara lengkap identitas nasabah, yaitu: Customers must provide complete identification details,
nama, alamat, nomor rekening (apabila ada), telepon including: name, address, account number (if applicable),
yang dapat dihubungi dan deskripsi singkat pengaduan contactable telephone number, and a brief description of
serta melampirkan dokumen pendukung, yaitu dokumen the complaint. Customers must also provide supporting
yang sesuai dengan jenis pengaduannya atau yang terkait documents relevant to the complaint, such as:
dengan permasalahan yang diadukan, seperti:
a. Fotokopi (sesuai asli) bukti identitas yang masih a. A copy (matching the original) of a valid identity
berlaku (wajib); document (mandatory);
b. Fotokopi (sesuai asli) buku tabungan/rekening koran, b. A copy (matching the original) of a passbook/account
atau; statement (if applicable), or;
c. Fotokopi (sesuai asli) bukti transaksi keuangan terkait c. A copy (matching the original) of transaction evidence
permasalahan yang diadukan, atau; related to the complaint (if applicable), or;
d. Fotokopi (sesuai asli) dokumen pendukung lainnya; d. A copy (matching the original) of other relevant
supporting documents;
e. Surat Kuasa dari Nasabah yang diwakili (dokumen e. A power of attorney from the customer being represented
tambahan untuk perwakilan nasabah); serta (additional document for customer representatives); and
f. Dan bukti lain yang dibutuhkan untuk penyelidikan. f. Any other evidence required for investigation.
5. Penyelesaian Pengaduan 5. Resolution of Complaints
OK BANK akan menindaklanjuti pengaduan yang diajukan OK BANK will follow up on the customer’s complaint
oleh nasabah dan akan diselesaikan dalam jangka waktu and resolve it within 20 (twenty) working days, which
20 (dua puluh) hari kerja dan dapat diperpanjang sampai may be extended for another 20 (twenty) working days
dengan 20 (dua puluh) hari kerja berikutnya dalam hal terdapat under certain conditions. If OK BANK needs to extend
kondisi tertentu. Apabila OK BANK akan memperpanjang the complaint resolution period, OK BANK will notify
jangka waktu penyelesaian pengaduan, maka OK BANK the customer in advance, in accordance with applicable
akan menginformasikan hal tersebut terlebih dahulu regulations, before the initial 20 (twenty) working
kepada nasabah dengan memperhatikan ketentuan yang days lapse.
berlaku, sebelum jangka waktu 20 (dua puluh) hari kerja
pertama berakhir.
6. Hal-hal yang Harus Diperhatikan 6. Consideration for Swift Resolution
Agar pengaduan dapat segera diselesaikan oleh OK BANK, To facilitate faster resolution of complaints by OK BANK,
maka perlu diperhatikan beberapa hal sebagai berikut: customers should pay attention to the following:
a. Tentukan inti permasalahan yang akan diadukan; a. Identifying the core issue of the complaint;
b. Siapkan dokumen pendukung yang terkait dengan b. Preparing supporting documents related to the issue;
permasalahan yang akan diadukan;
c. Simpan dengan baik dokumen-dokumen asli c. Keeping original documents safe and submit copies of
yang Anda miliki dan sampaikan kepada OK BANK those documents along with the written complaint;
photocopy dokumen tersebut bersamaan dengan
pengajuan pengaduan tertulis;
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d. Catat nomor registrasi yang diberikan OK BANK. d. Recording the registration number provided by
Nomor registrasi tersebut digunakan untuk mengetahui OK BANK, which can be used to track the status of
status penyelesaian pengaduan nasabah; the complaint resolution;
e. Simpan bukti email jika pengaduan dilakukan melalui e. Keeping email evidence if the complaint is submitted
email customercare@okbank.co.id; via customercare@okbank.co.id;
f. Simpan dengan baik dokumen surat menyurat f. Safely storing all correspondence with OK BANK,
dengan OK BANK, termasuk surat hasil penyelesaian including the complaint resolution letter provided by
pengaduan yang disampaikan OK BANK kepada OK BANK; and
nasabah; serta
g. Pastikan nasabah membaca syarat dan ketentuan g. Ensuring that the customer reads and understands
yang berlaku dari setiap produk dan/atau layanan yang the applicable terms and conditions of any product
akan digunakan oleh nasabah. Pelayanan penyelesaian and/or service to be used. Complaint resolution
pengaduan tidak dikenakan biaya apa pun. services are free of charge.
Sepanjang tahun 2025, OK BANK telah menerima beberapa Throughout 2025, OK BANK received several customer
pengaduan dari nasabah, baik berupa transaksional complaints, both transactional and non-transactional in nature,
maupun non-transaksional yang seluruhnya telah diselesaikan all of which were resolved satisfactorily.
dengan baik.
Survei Kepuasan Nasabah [POJK F.30] Customer Satisfaction Survey [POJK F.30]
Kepuasan nasabah merupakan salah satu aspek penting Customer satisfaction is one of important aspects in supporting
dalam mendukung keberlangsungan dan pertumbuhan the sustainability and growth of the banking business. Through
usaha perbankan. Melalui pemahaman yang baik terhadap a strong understanding of customer experiences and needs, OK
pengalaman dan kebutuhan nasabah, OK BANK dapat BANK can enhance service quality and strengthen long-term
meningkatkan kualitas layanan serta memperkuat hubungan relationships with stakeholders. Therefore, the management of
jangka panjang dengan para pemangku kepentingan. Oleh customer feedback is an integral part of efforts to improve OK
karena itu, pengelolaan umpan balik nasabah menjadi bagian BANK’s performance and reputation. In 2025, OK BANK has not
yang tidak terpisahkan dari upaya peningkatan kinerja yet conducted a customer satisfaction survey.
dan reputasi OK BANK. Pada tahun 2025, OK BANK belum
melaksanakan survei kepuasan nasabah.
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Verifikasi Pihak Independen [POJK G.1] [GRI 2-5]
Independent Party Verification
Laporan Keberlanjutan OK BANK untuk tahun buku 2025 tidak OK BANK’s Sustainability Report for the 2025 financial year
melalui proses verifikasi independen oleh pihak penyedia was not subject to independent verification by an assurance
assurance. Meskipun demikian, OK BANK memastikan bahwa provider. Nevertheless, OK BANK ensures that all information
seluruh informasi yang disajikan dalam laporan ini disusun presented in this report has been prepared properly, accurately,
secara benar, akurat, dan berdasarkan fakta yang dapat and based on verifiable facts.
dipertanggungjawabkan.
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Lembar Umpan Balik [POJK G.2]
Feedback Sheet
Terima kasih atas kesediaan Bapak/Ibu/Saudara untuk membaca Thank you for your willingness to read this 2025 Sustainability
Laporan Keberlanjutan 2025 ini. Guna meningkatkan Laporan Report. In order to improve the Sustainability Report in
Keberlanjutan pada tahun-tahun mendatang kami berharap the coming years we hope for your willingness to fill in
kesediaan Bapak/Ibu/Saudara untuk mengisi Lembar Umpan the Feedback Sheet that has been prepared, and send it back
Balik yang telah disiapkan, dan mengirimkannya kembali to us.
kepada kami.
1. Laporan Keberlanjutan ini telah memberikan informasi mengenai berbagai hal yang telah dilaksanakan PT Bank Oke
Indonesia, Tbk. dalam pemenuhan tanggung jawab sosial perusahaan.
This Sustainability Report has provided information on various topics that have been implemented by PT Bank Oke
Indonesia, Tbk. in fulfilling corporate social responsibility.
a. Setuju / Agree b. Tidak Setuju / Disagree c. Tidak Tahu / Don’t Know
2. Materi dalam Laporan Keberlanjutan ini termasuk data dan informasi yang disajikan mudah dimengerti dan dipahami.
Material in this Sustainability Report includes data and information presented that is easy to understand.
a. Setuju / Agree b. Tidak Setuju / Disagree c. Tidak Tahu / Don’t Know
3. Dalam Laporan Keberlanjutan ini, termasuk data dan informasi yang disajikan sudah cukup lengkap.
Data and information presented in this Sustainability Report is quite comprehensive.
a. Setuju / Agree b. Tidak Setuju / Disagree c. Tidak Tahu / Don’t Know
4. Materi dalam Laporan Keberlanjutan ini, termasuk data dan informasi yang disajikan dapat dipertanggungjawabkan kebenarannya.
Material in this Sustainability Report, including the data and information presented, can be accounted for.
a. Setuju / Agree b. Tidak Setuju / Disagree c. Tidak Tahu / Don’t Know
5. Tampilan Laporan Keberlanjutan ini menarik, baik dari isi, desain dan tata letak, serta foto-fotonya.
The appearance of this Sustainability Report is attractive in terms of content, design and layout, as well as its photographs.
a. Setuju / Agree b. Tidak Setuju / Disagree c. Tidak Tahu / Don’t Know
6. Informasi apa saja yang dirasakan bermanfaat dari Laporan Keberlanjutan ini?
What information do you find useful from this Sustainability Report?
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7. Informasi apa saja yang dirasakan kurang bermanfaat dari Laporan Keberlanjutan ini?
What information do you feel is not useful from this Sustainability Report?
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8. Informasi apa saja yang dirasakan kurang dan harus dilengkapi dalam Laporan Keberlanjutan mendatang?
What information is felt lacking and must be completed in the future Sustainability Report?
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Profil Anda / Your Profile
Nama Lengkap / Full Name : ................................................................................................
Institusi/Perusahaan / Institution/Company : ................................................................................................
E-mail : ................................................................................................
Identifikasi Pemangku Kepentingan* / Identification of Stakeholders* :
Pemerintah LSM Masyarakat Lain-lain
Government NGOs Communities Others
* Pilih salah satu. / Select one.
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Tanggapan terhadap Umpan Balik Laporan
Keberlanjutan Tahun Sebelumnya [POJK G.3]
Response to Previous Year’s Sustainability Report Feedback
Selama tahun 2025, OK BANK belum menerima tanggapan dari Throughout 2025, OK BANK did not receive any feedback
para pembaca mengenai informasi dan konten dari Laporan from readers regarding the information and content of
Keberlanjutan yang diterbitkan di tahun sebelumnya, sehingga the Sustainability Report published in the previous year.
tidak ada tanggapan dari OK BANK yang harus disampaikan Therefore, there are no responses from OK BANK that need to
dalam Laporan ini. be disclosed in this Report.
Namun demikian, OK BANK senantiasa melakukan Nevertheless, OK BANK continuously strives to make
perbaikan sebagai penyempurnaan agar Laporan ini dapat improvements to ensure that this Report complies with
memenuhi ketentuan POJK Nomor 51/POJK.03/2017 dan the provisions of POJK Number 51/POJK.03/2017 and
SEOJK Nomor 16/SEOJK.04/2021 yang menjadi acuan dalam SEOJK Number 16/SEOJK.04/2021, which serve as references
penyusunan Laporan. OK BANK berharap Laporan ini dapat in the preparation of the Report. OK BANK hopes that this
memberi manfaat bagi pemangku kepentingan. Report will provide value and benefits for stakeholders.
Indeks Pemenuhan SEOJK 16/2021 tentang
Bentuk dan Isi Laporan Tahunan Emiten atau
Perusahaan Publik
Compliance Index for SEOJK 16/2021 on the Form and Content of
Annual Reports of Issuers or Public Companies
Kriteria Penjelasan Halaman
Criteria Explanation Page
Umum
General
Laporan tahunan disajikan dalam bahasa • Dicetak dengan kualitas yang baik.
Indonesia yang baik dan benar dan dianjurkan • Memuat Nama Perusahaan di sampul muka, belakang, samping, dan setiap halaman.
menyajikan juga dalam bahasa Inggris. • Disajikan secara elektronik dalam format PDF.
The annual report is presented in proper • Printed in good quality.
and correct Indonesian language and it is • Contains the Company Name on the front, back, side covers, and every page.
recommended to also present it in English. • Presented electronically in PDF format.
Ikhtisar Data Keuangan Penting
Overview of Key Financial Data
Ikhtisar Data Keuangan Penting memuat Informasi paling sedikit memuat antara lain:
informasi keuangan yang disajikan dalam Information at least contains, among others:
bentuk perbandingan selama 3 (tiga) tahun 1. Pendapatan/penjualan. 28
buku atau sejak memulai usahanya jika Revenue/sales.
Emiten atau Perusahaan Publik tersebut
menjalankan kegiatan usahanya kurang 2. Laba bruto. 28
dari 3 (tiga) tahun, paling sedikit memuat: Gross profit.
The Important Financial Data Summary 3. Laba (rugi). 28
contains financial information presented Profit (loss).
in a comparative format for 3 (three) fiscal 4. Jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas induk dan 28
years or since the commencement of kepentingan non-pengendali.
business if the Issuer or Public Company Total profit (loss) attributable to owners of the parent entity and non-controlling
has been conducting its business for less interests.
than 3 (three) years, at least including: 5. Total laba (rugi) komprehensif. 28
Total comprehensive profit (loss).
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Ikhtisar Data Keuangan Penting memuat 6. Jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada pemilik 28
informasi keuangan yang disajikan entitas induk dan kepentingan non-pengendali.
dalam bentuk perbandingan selama Total comprehensive profit (loss) attributable to owners of the parent entity and
3 (tiga) tahun buku atau sejak memulai non-controlling interests.
usahanya jika Emiten atau Perusahaan
7. Laba (rugi) per saham. 28
Publik tersebut menjalankan kegiatan
Earnings (loss) per share.
usahanya kurang dari 3 (tiga) tahun, paling
sedikit memuat: 8. Jumlah aset. 26
The Important Financial Data Summary Total assets.
contains financial information presented 9. Jumlah liabilitas. 26
in a comparative format for 3 (three) fiscal Total liabilities.
years or since the commencement of
business if the Issuer or Public Company 10. Jumlah ekuitas. 26
has been conducting its business for less Total equity.
than 3 (three) years, at least including: 11. Rasio laba (rugi) terhadap jumlah aset. 30
Ratio of profit (loss) to total assets.
12. Rasio laba (rugi) terhadap ekuitas. 30
Ratio of profit (loss) to equity.
13. Rasio laba (rugi) terhadap pendapatan/penjualan. 30
Ratio of profit (loss) to revenue/sales.
14. Rasio lancar. 30
Current ratio.
15. Rasio liabilitas terhadap ekuitas. 30
Ratio of liabilities to equity.
16. Rasio liabilitas terhadap jumlah aset. 30
Ratio of liabilities to total assets.
17. Informasi dan rasio keuangan lainnya yang relevan dengan Emiten atau 30
Perusahaan Publik dan jenis industrinya.
Other financial information and ratios relevant to the Issuer or Public Company
and its industry.
Informasi Saham
Share Information
Informasi saham Perusahaan dengan lengkap sesuai ketentuan:
Share information for Company should at least contain:
1. Saham yang telah diterbitkan untuk setiap masa triwulan yang disajikan dalam 32
bentuk perbandingan selama 2 (dua) tahun buku terakhir.
Shares issued for each quarterly period presented in comparative form for
the last 2 (two) financial years.
2. Aksi korporasi yang menyebabkan terjadinya perubahan pada saham. 33
Corporate actions that cause changes in shares.
3. Suspensi saham dan alasan suspensi. 33
Suspension of shares and reasons for suspension.
4. Penjelasan suspensi telah dicabut atau belum. 33
Explanation of whether the suspension has been lifted or not.
Informasi mengenai obligasi, sukuk atau Catatan: 105
obligasi konversi yang masih beredar dalam Apabila perusahaan tidak memiliki obligasi/sukuk/obligasi konversi, agar
2 (dua) tahun buku terakhir. diungkapkan.
Information on bonds, sukuk or convertible Note:
bonds that were still outstanding in the last If the company did not have bonds/sukuk/convertible bonds, it had to be disclosed.
2 (two) financial years.
Laporan Dewan Komisaris dan Direksi
Board of Commissioners and Board of Directors Report
Laporan Dewan Komisaris. Laporan Dewan Komisaris paling sedikit memuat uraian singkat mengenai:
Board of Commissioners Report. The Board of Commissioners’ report should at least contain a brief description about:
1. Penilaian terhadap kinerja Direksi. 43
Assessment of the performance of the Board of Directors.
2. Pandangan atas prospek usaha. 43-44
Views on the business prospects.
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Laporan Dewan Komisaris. 3. Pandangan atas penerapan tata kelola. 44-45
Board of Commissioners Report. Views on the implementation of the governance.
4. Perubahan komposisi Dewan Komisaris (jika ada). 85
Changes in the composition of the Board of Commissioners (if any).
Laporan Direksi. Laporan Direksi paling sedikit memuat uraian singkat mengenai:
Board of Directors’ Report. The Board of Directors’ report should at least contain a brief description of:
1. Kinerja Perusahaan, paling sedikit memuat:
Performance of Companies, at least containing:
a. Strategi. 52
Strategy.
b. Peranan Direksi dalam perumusan strategi. 53
The role of the Board of Directors in formulating strategies.
c. Implementasi strategi. 53
The implementation of the strategy.
d. Perbandingan antara hasil dengan target. 53-54
Comparison between the results achieved with targeted.
e. Kendala yang dihadapi. 50-51
Constraints faced.
f. Perkembangan perekonomian dan target pasar. 53-54
Economic development and target market.
g. Sumber daya manusia. 53
Human resources.
2. Prospek usaha. 54-55
Business prospects.
3. Penerapan tata kelola. 55-56
Implementation of the governance.
4. Perubahan komposisi anggota Direksi (jika ada). 94
Changes in the composition of the Board of Directors (if any).
Tanda tangan anggota Direksi dan Dewan Dibuat terpisah dan disajikan sesuai ketentuan. 47; 58
Komisaris.
Signatures of members of the Board of Separately prepared and presented as required.
Directors and Board of Commissioners.
Profil Perusahaan
Company Profile
Nama dan alamat lengkap perusahaan. Disajikan dengan lengkap. 62
Company name and full address. Presented in full.
Riwayat singkat perusahaan publik. Disajikan dengan lengkap, termasuk keterangan jika ada perubahan nama 64-65
perusahaan.
Brief history of the company. Presented in full, including information if there is a change in company name.
Visi, Misi, dan Budaya Perusahaan. Disajikan dengan lengkap, termasuk persetujuan Dewan Komisaris. 76
Vision, Mission, and Corporate Culture. Presented in full, including Board of Commissioners approval.
Bidang usaha. Uraian kegiatan usaha yang dijalankan. 68-69
Business fields. Description of business activities carried out.
Wilayah operasional. Disajikan dalam bentuk peta. 72
Operational area. Presented in map form.
Struktur organisasi. Struktur organisasi sampai Kepala Divisi. 78-79
Organizational structure. Organizational structure up to the Head of Division.
Keanggotaan Asosiasi. Daftar keanggotaan asosiasi industri, baik dalam skala nasional maupun 74
internasional.
Association Member. List of industry association memberships, both national and international.
Profil Dewan Komisaris. Profil Dewan Komisaris, disampaikan lengkap sesuai ketentuan. 80-85
Board of Commissioners Profile. Profile of the Board of Commissioners, submitted in full in accordance with the
provisions.
Profil Direksi. Profil Direksi, disampaikan lengkap sesuai ketentuan. 86-94
Board of Directors Profile. Profile of the Board of Directors, submitted in full in accordance with the provisions.
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Jumlah karyawan dan data pengembangan Jumlah karyawan menurut jenis kelamin, jabatan, usia, tingkat pendidikan, dan 96-98;
kompetensi karyawan. status ketenagakerjaan (tetap/kontrak) dalam tahun buku. 115-146
Total employees and data on employee Total employees by gender, position, age, education level, and employment status
competency development. (permanent/contracted) in the financial year.
Komposisi pemegang saham. Nama pemegang saham dan persentase kepemilikan pada awal dan akhir tahun 99-100
buku, disampaikan lengkap sesuai ketentuan.
Composition of shareholders. Name of shareholders and percentage of ownership at the beginning and end of
the financial year, submitted in full in accordance with the provisions.
Pemegang saham utama dan pengendali. Informasi mengenai pemegang saham utama dan pengendali. 102-103
Major and controlling shareholders. Information regarding the main and controlling shareholders.
Daftar entitas anak dan/atau entitas Nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama. 104
asosiasi.
List of subsidiaries and/or associated The name of the subsidiary, associated company, joint venture company.
entities.
Nama dan alamat entitas anak Disampaikan sesuai ketentuan. 104
dan/atau kantor cabang atau kantor
perwakilan (jika ada).
Name and address of the subsidiary and/ Disclosed as required.
or branch office or representative office (if
any).
Struktur grup perusahaan. Struktur grup perusahaan dalam bentuk bagan. 105
Company group structure. Company group structure in the form of a chart.
Kronologi pencatatan saham. Kronologis pencatatan saham, jumlah saham, nilai nominal, dan harga penawaran 104-105
dari awal pencatatan hingga akhir tahun buku.
Share listing chronology. Chronology of share listing, total shares, nominal value, and offering price from
the beginning of listing to the end of the financial year.
Kronologis penerbitan efek lainnya. Disampaikan sesuai ketentuan (jika ada). 105
Chronology of securities issuance. Disclosed as required (if any).
Informasi penggunaan jasa Akuntan Publik Disampaikan lengkap sesuai ketentuan. 106
(AP) dan Kantor Akuntan Publik (KAP).
Information on the use of Public Accountants Disclosed in full as required.
(AP) and Public Accounting Firms (KAP).
Nama dan alamat lembaga dan/atau Disampaikan lengkap sesuai ketentuan. 106-107
profesi penunjang.
Name and address of supporting Disclosed in full as required.
institutions and/ or professions.
Penghargaan yang diterima dalam tahun Disampaikan lengkap sesuai ketentuan. 34
buku terakhir dan/atau sertifikasi yang
masih berlaku.
Awards received in the last financial year Disclosed in full as required.
and/or certifications that are still valid in
the last financial year.
Analisis dan Pembahasan Manajemen atas Kinerja Perusahaan
Management Discussion and Analysis on Company Performance
Tinjauan operasi per segmen usaha. Tinjauan operasi per segmen usaha sesuai dengan jenis industri Emiten atau 163
Perusahaan Publik.
Operational review by business segment. Operational review per business segment according to the type of industry.
Uraian atas kinerja keuangan perusahaan. Disampaikan sesuai lengkap, meliputi pembahasan: Aset, Liabilitas, Ekuitas, Rugi/ 178-185
Laba, Arus Kas.
Description of the company’s financial Disclosed in full, including discussion of: Assets, Liabilities, Equity, Loss/Profit, Cash
performance. Flow.
Bahasan kemampuan membayar utang dan Disampaikan lengkap sesuai ketentuan. 187-188
tingkat kolektibilitas piutang perusahaan.
Discussion and analysis of abilities to pay Disclosed in full as required.
debts and the collectability level of the
company’s receivables.
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Bahasan tentang struktur modal. Disampaikan lengkap sesuai ketentuan. 188-190
Discussion on capital structure. Disclosed in full as required.
Bahasan mengenai ikatan yang material Jika tidak ada ikatan, disampaikan. 190
untuk investasi barang modal.
Discussion on material commitments for If there is no commitment, disclosed.
capital goods investment.
Investasi barang modal. Jika tidak ada realisasi, disampaikan. 190-191
Investment in capital goods realized. If there is no realization, disclosed.
Bahasan target vs realisasi dan proyeksi. Meliputi: Pendapatan, Laba (Rugi), Struktur modal, Pemasaran, dan lainnya. 191-192
The target with the results achieved and Includes: Revenue, Profit (Loss), Capital structure, Marketing, etc.
projection.
Informasi dan fakta material yang terjadi Jika tidak ada, disampaikan. 198
setelah tanggal laporan akuntan.
Material information and facts occurring If there is not any, disclosed.
after the date of the accountant’s report.
Prospek usaha perusahaan. Disampaikan lengkap sesuai ketentuan. 207-208
Description of the company’s business Disclosed in full as required.
prospects.
Uraian aspek pemasaran. Disampaikan lengkap sesuai ketentuan. 205-206
Description of the marketing aspect. Disclosed in full as required.
Uraian mengenai dividen selama Jika tidak membagikan dividen, jelaskan. 193-194
2 (dua) tahun buku terakhir.
Description of dividends for the last 2 (two) If no dividend is paid, explained.
financial years.
Realisasi penggunaan dana hasil Hanya jika masih diwajibkan di tahun buku. 194
penawaran umum.
Realization of the use of proceeds from Only if still required in the financial year.
the public offering.
Informasi material mengenai investasi, Disampaikan lengkap sesuai ketentuan, jika tidak ada informasi dimaksud, 198
ekspansi, divestasi, penggabungan/ diungkapkan.
peleburan usaha, akuisisi, restrukturisasi
utang/modal, transaksi material, transaksi
afiliasi, dan transaksi benturan kepentingan,
yang terjadi pada tahun buku.
Material information regarding investment, Disclosed in full as required, if there is no such information, disclosed.
expansion, divestment, business merger/
consolidation, acquisition, debt/capital
restructuring, material transactions,
affiliated transactions, and conflict of
interest transactions, which occurred in
the financial year.
Uraian mengenai perubahan peraturan Disampaikan lengkap sesuai ketentuan, jika tidak ada informasi dimaksud, 201-204
perundang-undangan terhadap perusahaan diungkapkan.
pada tahun buku terakhir.
A description of changes in the laws and Disclosed in full as required, if there is no such information, disclosed.
regulations of the company in the last
financial year.
Uraian mengenai perubahan kebijakan Disampaikan lengkap sesuai ketentuan. 204
akuntansi yang diterapkan perusahaan
pada tahun buku terakhir.
A description of the changes in accounting Disclosed in full as required.
policies adopted by the company in the last
financial year.
Tata Kelola Perusahaan
Corporate Governance
Rapat Umum Pemegang Saham (RUPS). Disampaikan lengkap sesuai ketentuan. 218
General Meeting of Shareholders (GMS). Disclosed in full as required.
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Page 510
Kriteria Penjelasan Halaman
Criteria Explanation Page
Direksi. Disampaikan lengkap sesuai ketentuan, meliputi: 244-255
Tugas & Tanggung Jawab; Piagam Direksi; Rapat, Frekuensi Rapat & Agenda Rapat;
Kehadiran Rapat; Pelatihan; Penilaian Kinerja.
Board of Directors. Disclosed in full as required, including:
Duties & Responsibilities; Board of Directors Charter; Meetings, Meeting Frequency &
Meeting Agenda; Meeting Attendance; Training; Performance Appraisal.
Dewan Komisaris. Disampaikan lengkap sesuai ketentuan, meliputi: 232-243
Tugas & Tanggung Jawab; Piagam Dewan Komisaris; Rapat, Frekuensi Rapat &
Agenda Rapat; Kehadiran Rapat; Pelatihan; Penilaian Kinerja; Penilaian Kinerja
Komite.
Board of Commissioners. Disclosed in full as required, including:
Duties & Responsibilities; Board of Commissioners Charter; Meetings, Meeting
Frequency & Meeting Agenda; Meeting Attendance; Training; Performance Appraisal;
Committee Performance Appraisal.
Nominasi dan remunerasi Direksi dan Disampaikan lengkap sesuai ketentuan. 256-258
Dewan Komisaris.
Nomination and remuneration of Disclosed in full as required.
the Board of Directors and the Board of
Commissioners.
Komite Audit. Disampaikan lengkap sesuai ketentuan, meliputi: 263-270
CV Anggota Komite; Tugas & Tanggung Jawab; Piagam Komite Audit; Rapat, Frekuensi
Rapat & Agenda Rapat; Kehadiran Rapat; Pelatihan; Realisasi Pelaksanaan Tugas
Komite Audit.
Audit Committee. Disclosed in full as required, including:
CV of Committee Members; Duties & Responsibilities; Audit Committee Charter;
Meetings, Meeting Frequency & Meeting Agenda; Meeting Attendance; Training;
Realization of Audit Committee Duties.
Fungsi Nominasi dan Remunerasi. Disampaikan lengkap sesuai ketentuan, meliputi: 275-281
Tugas & Tanggung Jawab; Realisasi Pelaksanaan Fungsi Nominasi & Remunerasi.
Nomination and Remuneration Function. Disclosed in full as required, including:
Duties & Responsibilities; Realization of Nomination & Remuneration Function
Implementation.
Komite Manajemen Risiko. Disampaikan lengkap sesuai ketentuan, meliputi: 289-293
CV Anggota Komite; Tugas & Tanggung Jawab; Piagam Komite Audit; Rapat,
Frekuensi Rapat & Agenda Rapat; Kehadiran Rapat; Pelatihan; Realisasi Pelaksanaan
Tugas Komite Manajemen Risiko.
Risk Management Committee. Disclosed in full as required, including:
CV of Committee Members; Duties & Responsibilities; Audit Committee Charter;
Meetings, Meeting Frequency & Meeting Agenda; Meeting Attendance; Training;
Realization of Audit Committee Duties.
Sekretaris Perusahaan. Disampaikan lengkap sesuai ketentuan, meliputi: 307-309
CV Sekretaris Perusahaan; Tugas & Tanggung Jawab; Pelatihan; Realisasi
Pelaksanaan Tugas Sekretaris Perusahaan.
Company Secretary. Disclosed in full as required, including:
CV of Corporate Secretary; Duties & Responsibilities; Training; Realization of
Corporate Secretary’s Duties.
Unit Audit Internal. Disampaikan lengkap sesuai ketentuan, meliputi: 310-318
CV Unit Audit Internal; Piagam Internal Audit; Tugas & Tanggung Jawab; Kualifikasi
Audit Internal; Struktur & Kedudukan; Pelatihan; Realisasi Pelaksanaan Tugas
Internal Audit.
Internal Audit Unit. Disclosed in full as required, including:
CV Internal Audit Unit; Internal Audit Charter; Duties & Responsibilities; Internal
Audit Qualifications; Structure & Position; Training; Internal Audit Task Implementation
Realization.
Penerapan Fungsi Kepatuhan. Disampaikan lengkap sesuai ketentuan. 319-326
Implementation of Compliance Function. Disclosed in full as required.
Sistem Pengendalian Internal (Internal Disampaikan lengkap sesuai ketentuan. 329-331
Control).
Internal Control System. Disclosed in full as required.
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Akuntan Publik. Disampaikan lengkap sesuai ketentuan. 327-328
Public Accountant. Disclosed in full as required.
Sistem manajemen risiko yang diterapkan Disampaikan lengkap sesuai ketentuan, meliputi: 374-393
oleh Emiten atau Perusahaan Publik. Sistem Manajemen Risiko; Jenis Risiko & Mitigasi; Evaluasi Efektivitas Manajemen
Risiko; Kecukupan Sistem Manajemen Risiko.
The risk management system implemented Disclosed in full as required, including:
by the Issuer or Public Company. Risk Management System; Types of Risk & Mitigation; Evaluation of Risk Management
Effectiveness; Adequacy of Risk Management System.
Perkara hukum yang berdampak material Disampaikan lengkap sesuai ketentuan. 337-350
yang dihadapi oleh emiten atau perusahaan
publik, entitas anak, Anggota Direksi dan
anggota Dewan Komisaris (jika ada).
Legal cases that have a material impact Disclosed in full as required.
faced by the issuer or public company,
subsidiaries, members of the Board of
Directors and members of the Board of
Commissioners (if any).
Informasi tentang sanksi administratif/sanksi Disampaikan lengkap sesuai ketentuan. 351
terhadap emiten atau perusahaan publik, Jika tidak ada sanksi, nyatakan.
Anggota Dewan Komisaris dan anggota
Direksi (jika ada).
Information on administrative Disclosed in full as required.
sanctions/sanctions imposed on public If there is no sanction, disclose.
companies, members of the Board
of Commissioners and members of
the Board of Directors (if any).
Akses informasi dan data perusahaan. Disampaikan lengkap sesuai ketentuan. 352
Access on Information and Corporate Data. Disclosed in full as required.
Informasi mengenai kode etik Emiten atau Disampaikan lengkap sesuai ketentuan, meliputi: 356-358
Perusahaan Publik. Pokok-pokok Kode Etik; Pemberlakuan Kode Etik; Sosialisasi Kode Etik; Sanksi
Pelanggaran Kode Etik; Jumlah Pelanggaran & Sanksi Diberikan.
Jika tidak ada pelanggaran, nyatakan.
Information regarding the code of conduct of Disclosed in full as required, including:
the Issuer or Public Company. Principles of the Code of Ethics; Enforcement of the Code of Ethics; Socialization of
the Code of Ethics; Sanctions for Violation of the Code of Ethics; Total Violations &
Sanctions Given.
If there is no violation, state.
Uraian singkat mengenai kebijakan Disampaikan lengkap sesuai ketentuan. 198
pemberian kompensasi jangka panjang Jika tidak ada, nyatakan.
berbasis kinerja kepada manajemen
dan/atau karyawan yang dimiliki
oleh emiten atau perusahaan publik
(jika ada), antara lain berupa program
kepemilikan saham oleh manajemen
(management stock ownership program/
MSOP) dan/atau program kepemilikan
saham oleh karyawan (employee stock
ownership program/ESOP).
A brief description of the policy for Disclosed in full as required.
providing long-term performance-based If there is not any, disclose.
compensation to management and/or
employees owned by the issuer or public
company (if any), including in the form
of a management stock ownership program
(MSOP) and/or employee stock ownership
program (ESOP).
Uraian singkat mengenai kebijakan Disampaikan lengkap sesuai ketentuan. 352
pengungkapan Informasi.
Brief description of Information disclosure Disclosed in full as required.
policy.
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Page 512
Kriteria Penjelasan Halaman
Criteria Explanation Page
Uraian mengenai sistem pelaporan Disampaikan lengkap sesuai ketentuan, meliputi: 358-359
pelanggaran (whistleblowing system/WBS) Cara Pelaporan; Perlindungan Pelapor; Penanganan Pengaduan; Pengelola WBS;
di Emiten atau Perusahaan Publik. Hasil Penanganan Pengaduan.
Jika tidak ada pelaporan dan WBS, nyatakan.
Description of the whistleblowing system/ Disclosed in full as required, including:
WBS at the Issuer or Public Company. How to Report; Whistleblower Protection; Complaint Handling; WBS Manager;
Complaint Handling Results.
If there is no Reporting and WBS, disclose.
Uraian mengenai kebijakan anti-korupsi Disampaikan lengkap sesuai ketentuan, meliputi: 360-361
Emiten atau Perusahaan Publik. Cara Pencegahan dan Penanganan; Pelatihan/Sosialisasi Anti-Korupsi.
Jika tidak ada kebijakan Anti-Korupsi, nyatakan.
Description of the Issuer’s or Public Disclosed in full as required, including:
Company’s anti-corruption policy. Ways of Prevention and Handling; Anti-Corruption Training/Socialization.
If there is no Anti-Corruption Policy, disclose.
Penerapan atas pedoman tata kelola Disampaikan lengkap sesuai ketentuan. 368-373
Perusahaan Terbuka bagi Emiten yang
menerbitkan efek bersifat ekuitas atau
Perusahaan Publik.
Implementation of Public Company Disclosed in full as required.
governance guidelines for Issuers issuing
equity securities or Public Companies.
Penilaian Penerapan GCG untuk tahun buku Disampaikan lengkap sesuai ketentuan, meliputi: 373-374
2025 yang meliputi paling kurang aspek Kriteria Penilaian; Pelaksana Penilaian; Skor Penilaian; Rekomendasi Penilai; dan
Dewan Komisaris dan Direksi. Alasan Belum Dilaksanakannya Rekomendasi.
GCG Implementation Assessment for Disclosed in full as required, including:
the financial year 2025 which included Assessment Criteria; Assessment Implementation; Assessment Score; Assessment
at least aspects of the Board of Recommendation; and Reasons for Not Implementing the Recommendation.
Commissioners and the Board of Directors.
Tanggung Jawab Sosial dan Lingkungan Perusahaan
Corporate Social and Environmental Responsibility
1. Informasi yang diungkapkan sesuai POJK Nomor 51/POJK.03/2017.
Information disclosed in accordance with POJK Number 51/POJK.03/2017.
2. Laporan Keberlanjutan sesuai ketentuan Lampiran II SEOJK 16/2021.
Sustainability Report in accordance with the provisions of Appendix II SEOJK
16/2021.
3. Laporan Keberlanjutan (Sustainability Report) dapat disajikan terpisah.
Sustainability Report can be presented separately.
4. Laporan Keberlanjutan Terpisah harus mengikuti format Lampiran II SEOJK
16/2021 dan POJK 51/POJK.03/2017. Disampaikan bersamaan dengan Laporan
Tahunan.
Separate Sustainability Report must follow the format of Appendix II SEOJK
16/2021 and POJK 51/POJK.03/2017. Submitted together with the Annual Report.
Informasi Keuangan
Financial Information
Disampaikan lengkap sesuai ketentuan,
meliputi:
Opini Auditor; Pernyataan Direksi; Laporan
Keuangan Lengkap, yakni: Neraca, Rugi
Laba, Ekuitas, Arus Kas, dan Catatan
Laporan Keuangan.
Delivered completely in accordance with the
provisions, including:
Auditor’s Opinion; Board of Directors’
Statement; Complete Financial Statements,
namely: Balance Sheet, Profit Loss,
Equity, Cash Flow, and Notes to Financial
Statements.
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Daftar Indeks Referensi - POJK 51/2017 tentang
Penerapan Keuangan Berkelanjutan Bagi Lembaga
Jasa Keuangan, Emiten, dan Perusahaan Publik [POJK G.4]
List of Reference Indexes - POJK 51/2017 on the Implementation of
Sustainable Finance for Financial Services Institutions, Issuers, and
Public Companies
Keterangan Halaman
No.
Description Page
Strategi Keberlanjutan
A
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan. Explanation of Sustainability Strategy. 441
Ikhtisar Kinerja Keberlanjutan
B
Sustainability Performance Overview
B.1 Aspek Ekonomi. Economic Aspect. 436
a) Kuantitas produksi atau jasa yang dijual. a) Quantity of production or services sold. 436
b) Pendapatan atau penjualan. b) Revenue or sales. 436
c) Laba atau rugi bersih. c) Net profit or loss. 436
d) Produk ramah lingkungan. d) Environmentally friendly products. 436
e) Pelibatan pihak lokal yang berkaitan dengan proses e) Involvement of local parties related to
478
bisnis keuangan berkelanjutan. the sustainable finance business process.
B.2 Aspek Lingkungan Hidup. Environmental Aspects. 438
a) Penggunaan energi (antara lain listrik dan air). a) Energy use (including electricity and water). 438
b) Pengurangan emisi yang dihasilkan. b) Reduction of emissions generated. 438
c) Pengurangan limbah dan efluen. c) Reduction of waste and effluents. 475-476
d) Pelestarian keanekaragaman hayati. d) Preservation of biodiversity. 476
B.3 Aspek Sosial. Social Aspects. 437
Uraian mengenai dampak positif dan negatif dari Description of the positive and negative impacts of
penerapan Keuangan Berkelanjutan bagi masyarakat implementing Sustainable Finance on society and 437
dan lingkungan. the environment.
Profil Singkat
C
Brief Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan. Vision, Mission, and Sustainability Values. 442
C.2 Nama, Alamat, Nomor Telepon, Nomor Faksimili, Alamat Name, Address, Telephone Number, Facsimile Number,
Surat Elektronik (E-Mail), dan Situs Web Ljk, Emiten, dan E-Mail Address, and Website of the Financial Institution,
62
Perusahaan Publik, Serta Kantor Cabang dan/atau Kantor Issuer and Public Company, As Well As Branch and/or
Perwakilan. Representative Offices.
C.3 Skala Perusahaan. Scale of the Company. 26
a) Jumlah Aset atau Kapitalisasi Aset, dan Total a) Total Assets or Capitalized Assets, and Total
26
Kewajiban. Liabilities.
b) Jumlah Karyawan. b) Total Employees. 96-98
c) Persentase Kepemilikan Saham. c) Percentage of Share Ownership. 63
d) Wilayah Operasional. d) Operational Area. 72
C.4 Penjelasan singkat mengenai produk, layanan, dan Brief description of products, services, and business
70-71
kegiatan usaha yang dijalankan. activities.
C.5 Keanggotaan pada asosiasi. Membership in associations. 74
C.6 Perubahan signifikan, antara lain terkait dengan penutupan Significant changes, among others related to the closure
74
atau pembukaan cabang, dan struktur kepemilikan. or opening of branches, and ownership structure.
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Keterangan Halaman
No.
Description Page
Penjelasan Direksi
D
The explanation of the Board of Directors
D.1 a) Kebijakan untuk merespons tantangan dalam a) Policies to respond to challenges in fulfilling
pemenuhan strategi keberlanjutan, paling sedikit the sustainability strategy, at least including:
meliputi:
1) Penjelasan nilai keberlanjutan bagi 1) Explanation of the value of sustainability to
57-58
perusahaan. the company.
2) Penjelasan respons perusahaan terhadap isu 2) Explanation of the company’s response
terkait penerapan keuangan berkelanjutan. to issues related to the implementation of 50-51
sustainable finance.
3) Penjelasan komitmen pimpinan LJK, Emiten, 3) Explanation of the commitment of the
dan Perusahaan Publik dalam pencapaian leadership of FSIs, Issuer's, and Public Company
57-58
penerapan keuangan berkelanjutan. in achieving the implementation of sustainable
finance.
4) Pencapaian kinerja penerapan keuangan 4) Achievement of performance in
53-54
berkelanjutan. the implementation of sustainable finance.
5) Tantangan pencapaian kinerja penerapan 5) Challenges in achieving performance in
50-51
keuangan berkelanjutan. the implementation of sustainable finance.
b) Penerapan Keuangan Berkelanjutan, paling sedikit b) Implementation of Sustainable Finance, at least
meliputi: including:
1) Pencapaian kinerja penerapan keuangan 1) Performance achievement of the implementation
berkelanjutan (ekonomi, sosial, dan lingkungan of sustainable finance (economic, social, and 53-54
hidup) dibandingkan dengan target. environmental) compared to the target.
2) Penjelasan prestasi dan tantangan termasuk 2) Explanation of achievements and challenges
peristiwa penting selama periode pelaporan including significant events during the
50-51
(bagi LJK yang diwajibkan membuat rencana reporting period (for FSIs required to prepare a
aksi keuangan berkelanjutan). sustainable finance action plan).
c) Strategi pencapaian target, paling sedikit meliputi: c) The strategy for achieving the target includes,
at least include:
1) Pengelolaan risiko atas penerapan keuangan 1) Risk management on the implementation
berkelanjutan terkait aspek ekonomi, sosial, of sustainable finance related to economic, 57-58
dan lingkungan hidup. social, and environmental aspects.
2) Pemanfaatan peluang dan prospek usaha. 2) Utilization of business opportunities and
54-55
prospects.
3) Penjelasan situasi eksternal ekonomi, sosial, 3) Explanation of the external economic, social,
dan lingkungan hidup yang berpotensi and environmental situation that has the
50-51
mempengaruhi keberlanjutan LJK, emiten, dan potential to affect the sustainability of FSIs,
perusahaan publik. issuers and public companies.
Tata Kelola Keberlanjutan
E
Sustainability Governance
E.1 Uraian mengenai tugas bagi Direksi dan Dewan Description of duties for members of the Board of
Komisaris, pegawai, pejabat dan/atau unit kerja yang Directors and Board of Commissioners, employees,
450-451
menjadi penanggung jawab penerapan Keuangan officials and/or work units that are responsible for
Berkelanjutan. implementing Sustainable Finance.
E.2 Penjelasan mengenai pengembangan kompetensi An explanation of the competency development carried
yang dilaksanakan terhadap anggota Direksi, anggota out for members of the Board of Directors, members
Dewan Komisaris, pegawai, pejabat dan/atau unit kerja of the Board of Commissioners, employees, officials 448-449
yang menjadi penanggung jawab penerapan Keuangan and/or work units responsible for implementing
Berkelanjutan. Sustainable Finance.
E.3 Penjelasan mengenai prosedur LJK, Emiten, dan An explanation of the FSI’s, Issuer's, and Public Company’s
Perusahaan Publik dalam mengidentifikasi, mengukur, procedures for identifying, measuring, monitoring and
memantau, dan mengendalikan risiko atas penerapan controlling risks to the implementation of Sustainable
Keuangan Berkelanjutan terkait aspek ekonomi, sosial, Finance related to economic, social, and environmental
452-455
dan lingkungan hidup, termasuk peran Direksi dan Dewan aspects, including the role of the Board of Directors and
Komisaris dalam mengelola, melakukan telaah berkala, Board of Commissioners in managing, conducting periodic
dan meninjau efektivitas proses manajemen risiko LJK, reviews and reviewing the effectiveness of the FSI’s, Issuer's,
Emiten, dan Perusahaan Publik. and Public Company’s risk management processes.
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Keterangan Halaman
No.
Description Page
E.4 Penjelasan mengenai hubungan dengan pemangku An explanation of the relationship with stakeholders
12
kepentingan yang meliputi: which includes:
a) Keterlibatan pemangku kepentingan berdasarkan a) Stakeholder engagement based on management
hasil penilaian (assessment) manajemen, RUPS, assessment, GMS, decree or otherwise. 12-13
surat keputusan atau lainnya.
b) Pendekatan yang digunakan LJK, Emiten, dan b) Approaches used by FSIs, Issuers and Public
Perusahaan Publik dalam melibatkan pemangku Companies in engaging stakeholders in
12-13
kepentingan dalam penerapan Keuangan Berkelanjutan, the implementation of Sustainable Finance, including
antara lain dalam bentuk dialog, survei, dan seminar. dialog, surveys, and seminars.
E.5 Permasalahan yang dihadapi, perkembangan, dan Problems encountered, developments, and influences on
455
pengaruh terhadap penerapan Keuangan Berkelanjutan. the implementation of Sustainable Finance.
Kinerja Keberlanjutan
F
Sustainability Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan. Building a Sustainability Culture. 448
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan target dan kinerja produksi, portofolio, Comparison of targets and performance of production,
target pembiayaan, atau investasi, pendapatan dan laba portfolio, financing targets, or investment, revenue and
191-192
rugi dalam hal Laporan Keberlanjutan disusun secara profit or loss in the event that the Sustainability Report
terpisah dengan Laporan Tahunan. is prepared separately from the Annual Report.
F.3 Perbandingan target dan kinerja portofolio, target Comparison of targets and performance of portfolios,
pembiayaan, atau investasi pada instrumen keuangan financing targets, or investments in financial instruments
460-461
atau proyek yang sejalan dengan penerapan Keuangan or projects that are in line with the implementation of
Berkelanjutan. Sustainable Finance.
Kinerja Lingkungan
Environmental Performance
F.4 Biaya Lingkungan Hidup. Environmental Costs. 477
F.5 Penggunaan Material yang Ramah Lingkungan. Use of Environmentally Friendly Materials. 468-469
F.6 Jumlah dan Intensitas Energi yang Digunakan. Amount and Intensity of Energy Used. 469-470
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Efforts and Achievements in Energy Efficiency and Use of
469-470
Energi Terbarukan. Renewable Energy.
F.8 Penggunaan Air. Water Use. 475
F.9 Dampak Positif dan Negatif terhadap Lingkungan Hidup. Positive and Negative Impacts on the Environment. 476
F.10 Keanekaragaman Hayati. Biodiversity. 476
a) Dampak operasional terhadap area dekat wilayah a) Operational impacts on areas near conservation
476
konservasi atau di dalam area konservasi. areas or within conservation areas.
b) Usaha konservasi yang dilakukan, perlindungan flora b) Conservation efforts made, protection of flora and
477
maupun fauna. fauna.
F.11 Jumlah dan Intensitas Emisi yang dihasilkan berdasarkan Amount and Intensity of Emissions generated based on
472-473
sumber emisi. emission sources.
a) Scope 1. a) Scope 1. 472
b) Scope 2. b) Scope 2. 473
c) Scope 3. c) Scope 3. -
d) Intensitas Emisi. d) Emission Intensity. 473
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan. Emission Reduction Efforts and Achievements Made. 471-472
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Menurut Jenis. Amount of Waste and Effluent Produced by Type. 475-476
F.14 Mekanisme Pengelolaan Limbah dan Efluen. Waste and Effluent Management Mechanism. 475-476
F.15 Tumpahan yang Terjadi. Spills. 476
F.16 Pengaduan Lingkungan Hidup yang Diterima dan Environmental Complaints Received and Resolved.
477
Diselesaikan.
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Page 516
Keterangan Halaman
No.
Description Page
Kinerja Sosial
Social Performance
F.17 Komitmen untuk memberikan layanan atas produk Commitment to provide services for products and/or
494-495
dan/atau jasa yang setara kepada konsumen. services that are equal to consumers.
F.18 Kesetaraan dan Kesamaan Kesempatan dalam Bekerja, Equality and Equal Opportunities in Employment, in
pada aspek: rekrutmen, pelatihan, promosi, dan pemberian the aspects of: recruitment, training, promotion, and 483
remunerasi. remuneration.
F.19 Tenaga Kerja Anak dan Kerja Paksa. Child Labor and Forced Labor. 483
F.20 Upah Minimum Regional. Regional Minimum Wage. 488-489
F.21 Lingkungan Bekerja yang Layak. Appropriate Working Environment. 491-492
F.22 Pelatihan dan Pengembangan Kompetensi. Training and Competency Development. 115-146
Aspek Masyarakat
Community Aspect
F.23 Dampak Operasi terhadap Masyarakat Sekitar. Impact of Operations on Surrounding Communities. 478
F.24 Pengaduan Masyarakat. Public Complaints. 481
F.25 Kegiatan Tanggung Jawab Sosial dan Lingkungan. Social and Environmental Responsibility Activities. 478-480
Tanggung Jawab Pengembangan Produk/Jasa
Product/Service Development Responsibility
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Innovation and Development of Sustainable Financial
495
Berkelanjutan. Products/Services.
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Products/Services that have been Evaluated for
495-496
Pelanggan. Customer Safety.
F.28 Dampak Produk/Jasa. Product/Service Impact. 496
F.29 Jumlah Produk yang Ditarik Kembali. Total Recalled Products. 496
F.30 Survei Kepuasan Pelanggan. Customer Satisfaction Survey. 499
Lain-lain
G
Others
G.1 Verifikasi Tertulis dari Pihak Independen. Written Verification and Independent Party. 500
G.2 Lembar Umpan Balik. Feedback Sheet. 501-502
G.3 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Response to Feedback on Previous Year’s Sustainability
503
Tahun Sebelumnya. Report.
G.4 Daftar Pengungkapan Sesuai POJK 51/2017. List of Disclosures in Accordance with POJK 51/2017. 511-514
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PT Bank Oke Indonesia, Tbk.
Daftar Indeks Referensi - Metrik ESG
List of Reference Indexes - ESG Metrics
Kinerja Kode Nama Metrik Halaman
Performance Code Metric Name Page
Lingkungan E-01 Laporan Emisi Gas Rumah Kaca. Greenhouse Gas Emissions Report. 472-473
Environment
E-02 Intensitas Emisi Gas Rumah Kaca. Greenhouse Gas Emissions Intensity. 473
E-03 Konsumsi Energi Listrik. Electricity Usage. 470
E-04 Konsumsi Air. Water Consumption. 475
E-05 Limbah yang Dihasilkan. Waste Generated. 476
Komitmen Perusahaan untuk Mencapai Target Company’s Commitment to Achieving Net Zero
E-06 474
Net Zero Emission. Emissions Targets.
Komitmen Perusahaan untuk Mengurangi Company’s Commitment to Reducing
E-07 471
Emisi Gas Rumah Kaca. Greenhouse Gas Emissions.
Sosial S-01 Kesetaraan Gender. Gender Equality. 96
Social
Pegawai berdasarkan Gender dan Kelompok
S-02 Employees by Gender and Age Group. 98
Umur.
S-03 Tingkat Pergantian Pegawai. Employee Turnover Rate. 486
S-04 Jumlah Pegawai Sementara. Total Temporary Employees. 486
S-05 Pelatihan dan Pengembangan Pegawai. Employee Training and Development. 146
S-06 Jumlah Kecelakaan Kerja. Total Occupational Accidents. 493
S-07 Kejadian Pelanggaran Hak Asasi Manusia. Incidents of Human Rights Violations. 484
Kebijakan Pelecehan Seksual dan/atau Sexual Harassment and/or Non-Discrimination
S-08 484
Non-Diskriminasi. Policy.
S-09 Kebijakan Mengenai Hak Asasi Manusia. Human Rights Policy. 484
Kebijakan Pekerja Anak dan/atau Pekerja
S-10 Child Labor and/or Forced Labor Policy. 483
Paksa.
Kebijakan Mengenai Kesehatan dan Keselamatan Occupational Health and Safety Policy and
S-11 Kerja serta Lingkungan Kerja yang Aman dan the Provision of a Safe and Decent Working 491-493
Layak Diberikan kepada Seluruh Karyawan. Environment for All Employees.
S-12 Corporate Social Responsibility. Corporate Social Responsibility. 480
Tata Kelola G-01 Keberagaman Manajemen dan Independensi. Management Diversity and Independence. 261
Governance
Total Kehadiran Direksi dan Komisaris ke Rapat Total Attendance of the Board of Directors and
G-02 239; 252
Dewan. Board of Commissioners at Board Meetings.
Kebijakan Pemisahan Chairman of the Board Policy on the Separation of the Chairman of
G-03 216-217
dan CEO. the Board and the CEO.
Kebijakan Penilaian Dewan Direksi dan Board of Directors and Board of Commissioners’ 241-242;
G-04
Komisaris. Evaluation Policy. 254-255
Kebijakan Pelatihan Dewan Direksi dan Board of Directors and Board of Commissioners’ 240-241;
G-05
Komisaris. Training Policy. 252-254
G-06 Kriteria Khusus Pemilihan Dewan. Specific Criteria for Selection of the Board. 257
356-358;
G-07 Kode Etik dan/atau Anti-Korupsi. Code of Conduct and/or Anti-Corruption Policy.
360-361
Kebijakan Perlakuan Adil terhadap Pemegang
G-08 Fair Treatment of Shareholders Policy. 220
Saham.
G-09 Pencegahan Konflik Kepentingan. Conflict of Interest Prevention. 363
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Daftar Indeks Referensi - GRI Standards 2021
List of Reference Indexes - GRI Standards 2021
PT Bank Oke Indonesia, Tbk. melaporkan informasi dalam indeks isi Standar GRI ini untuk periode 1 Januari 2025-
Pernyataan Penggunaan 31 Desember 2025 dengan referensi Standar GRI.
Statement of Use PT Bank Oke Indonesia, Tbk. reports the information in this GRI Standards content index for the period from
January 1, 2025-December 31, 2025 with reference to the GRI Standards.
GRI 1 yang Digunakan GRI 1: Foundation 2021 opsi “with reference”.
GRI 1 Used GRI 1: Foundation 2021, “with reference” option.
Keterbukaan
Disclosure
Halaman
GRI - Standard No.
Page
Indeks Judul
Index Title
No.
Pengungkapan Umum
General Disclosure
Organisasi dan Praktik Pelaporannya
Organization and Reporting Practice
Detail Organisasi.
2-1 7
Organization Details.
Entitas yang Termasuk dalam Pelaporan Keberlanjutan.
2-2 7
Entities Included in the Sustainability Report.
Periode Pelaporan, Frekuensi, dan Kontak.
2-3 7
Reporting Period, Frequency, and Contact.
Pernyataan Ulang Informasi.
2-4 7
Restatement of Information.
Jaminan Eksternal.
2-5 500
External Guarantee.
Aktivitas dan Pekerja
Activities and Worker
Aktivitas, Rantai Nilai, dan Hubungan Bisnis Lainnya.
2-6 62; 74
Activities, Value Chains, and Other Business Relationship.
GRI 2:
Pengungkapan Karyawan.
2-7 96-98
Umum 2021 Workforce.
GRI 2: Pekerja yang Bukan Karyawan.
2-8 486
General Workers Who are Not Direct Workers.
Disclosure 2021
Tata Kelola
Governance
Struktur dan Komposisi Tata Kelola.
2-9 78-79
Governance Structure and Composition.
Nominasi dan Seleksi untuk Badan Tata Kelola Tertinggi.
2-10 256-257
Nomination and Selection of the Highest Governance Body.
Ketua Badan Tata Kelola Tertinggi. 215; 216;
2-11
Chair of the Highest Governance Body. 363
Peran Badan Tata Kelola Tertinggi dalam Mengawasi Pengelolaan Dampak.
2-12 450-451
The Role of the Highest Governance Body in Overseeing Impact Management.
Pendelegasian Tanggung Jawab untuk Mengelola Dampak.
2-13 450-451
Delegation of Responsibilities for Managing Impacts.
Peran Badan Tata Kelola Tertinggi dalam Pelaporan Keberlanjutan.
2-14 451
The Role of the Highest Governance Body in Sustainability Reporting.
Konflik Kepentingan.
2-15 363
Conflict of Interest.
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Keterbukaan
Disclosure
Halaman
GRI - Standard No.
Page
Indeks Judul
Index Title
No.
Komunikasi Keprihatinan Krisis. 358; 477;
2-16
Communication of Crisis Concern. 481; 497
240-241;
Pengetahuan Kolektif dari Badan Tata Kelola Tertinggi.
2-17 252-254;
Collective Knowledge of the Highest Governance Body.
455
Evaluasi Kinerja Badan Tata Kelola Tertinggi. 241-242;
2-18
Evaluation of the Performance of the Highest Governance Body. 254-255
Kebijakan Remunerasi.
2-19 257-258
Remuneration Policy.
Proses untuk Menentukan Remunerasi.
2-20 257-258
Process for Determining Remuneration.
Rasio Kompensasi Total Tahunan.
2-21 258
Annual Total Compensation Ratio.
Strategi, Kebijakan, dan Praktik
Strategy, Policy, and Practice
GRI 2: Pernyataan tentang Strategi Pembangunan Berkelanjutan.
2-22 441
Pengungkapan Statement on Sustainable Development Strategy.
Umum 2021 Komitmen Kebijakan.
2-23 356-358
GRI 2: Policy Commitment.
General Menanamkan Komitmen Kebijakan.
Disclosure 2021 2-24 356-358
Embedding Policy Commitments.
Proses untuk Memulihkan Dampak Negatif.
2-25 374; 452-455
Process for Correcting Negative Impacts.
358-359;
Mekanisme untuk Mencari Nasihat dan Menyampaikan Kekhawatiran.
2-26 477; 481;
Mechanisms for Seeking Advice and Raising Concerns.
497
Kepatuhan terhadap Hukum dan Peraturan.
2-27 337-350; 351
Compliance with Laws and Regulations.
Keanggotaan Asosiasi.
2-28 74
Association Memberships.
Keterlibatan Pemangku Kepentingan
Stakeholders Engagement
Pendekatan Keterlibatan Pemangku Kepentingan.
2-29 12-13
Stakeholder Engagement Approach.
Perjanjian Kerja Bersama.
2-30 491
Collective Labor Agreement.
Topik Material
Material Topics
GRI 3: Proses untuk Menentukan Topik Material.
3-1 10-11
Topik Material 2021 Process for Determining Material Topics.
GRI 3: Daftar Topik Material.
3-2 18-20
Material Topics 2021 List of Material Topics.
Topik Ekonomi
Economic Topics
GRI 3: 201 Kinerja Ekonomi
Topik Material 2021 201 Economic Performance
GRI 3: Manajemen Topik Material.
3-3 456
Material Topics 2021 Material Topic Management.
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Keterbukaan
Disclosure
Halaman
GRI - Standard No.
Page
Indeks Judul
Index Title
No.
Nilai Ekonomi Langsung yang Dihasilkan dan Didistribusikan.
201-1 457-458
GRI 201: Direct Economic Value Generated and Distributed.
Kinerja Ekonomi 2016
Kewajiban Program Pensiun Manfaat Pasti dan Program Pensiun Lainnya.
GRI 201: 201-3 487
Defined Benefit Pension Plan Obligations and Other Pension Plans.
Economic
Performance 2016 Bantuan Finansial yang Diterima dari Pemerintah.
201-4 458
Financial Assistance Received from the Government.
GRI 3: 202 Keberadaan Pasar
Topik Material 2021 202 Market Presence
GRI 3: Manajemen Topik Material.
Material Topics 2021 3-3 488
Material Topic Management.
GRI 202:
Keberadaan Rasio Standar Upah Karyawan Pemula berdasarkan Jenis Kelamin terhadap Upah Minimum
Pasar 2016 202-1 Regional. 489
GRI 202: Ratio of Standard Entry-Level Wage by Gender to the Regional Minimum Wage.
Market Presence 2016
GRI 3: 203 Dampak Ekonomi Tidak Langsung
Topik Material 2021 203 Indirect Economic Impact
GRI 3: Manajemen Topik Material.
Material Topics 2021 3-3 460
Material Topic Management.
GRI 203:
Dampak Ekonomi
Tidak Langsung 2016 Dampak Ekonomi Tidak Langsung yang Signifikan.
203-2 460
GRI 203: Significant Indirect Economic Impact.
Indirect Economic
Impact 2016
GRI 3: 204 Praktik Pengadaan
Topik Material 2021 204 Procurement Practices
GRI 3: Manajemen Topik Material.
Material Topics 2021 3-3 462
Material Topic Management.
GRI 204:
Praktik
Pengadaan 2016 Proporsi Pengeluaran untuk Pemasok Lokal.
204-1 462-463
GRI 204: Proportion of Spending on Local Suppliers.
Procurement
Practices 2016
GRI 3: 205 Anti-Korupsi
Topik Material 2021 205 Anti-Corruption
GRI 3: Manajemen Topik Material.
Material Topics 2021 3-3 360
Material Topic Management.
GRI 205:
Anti-Korupsi 2016 Operasi-Operasi yang Dinilai Memiliki Risiko terkait Korupsi.
205-1 360
GRI 205: Operations Assessed for Corruption-Related Risks.
Anti-Corruption 2016
GRI 205: Komunikasi dan Pelatihan tentang Kebijakan dan Prosedur Anti-Korupsi.
205-2 361
Anti-Korupsi 2016 Communication and Training on Anti-Corruption Policies and Procedures.
GRI 205: Insiden Korupsi yang Terbukti dan Tindakan yang Diambil.
Anti-Corruption 2016 205-3 361
Confirmed Incidents of Corruption and Actions Taken.
GRI 3: 206 Perilaku Anti-Persaingan
Topik Material 2021 206 Anti-Competitive Behavior
GRI 3: Manajemen Topik Material.
Material Topics 2021 3-3 364
Material Topic Management.
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Keterbukaan
Disclosure
Halaman
GRI - Standard No.
Page
Indeks Judul
Index Title
No.
GRI 205:
Perilaku
Anti-Persaingan 2016 Langkah-Langkah Hukum untuk Perilaku Anti-Persaingan, Praktik Anti-Pakat, dan Monopoli.
206-1 364
GRI 205: Legal Actions for Anti-Competitive Behavior, Anti-Trust, and Monopoly Practices.
Anti-Competitive
Behavior 2016
GRI 3: 207 Pajak
Topik Material 2021 207 Tax
GRI 3: Manajemen Topik Material.
3-3 458
Material Topics 2021 Material Topic Management.
Pendekatan terhadap Pajak.
207-1 458
Approach to Tax.
GRI 207: Tata Kelola, Pengontrolan, dan Manajemen Risiko Pajak.
207-2 458-459
Pajak 2019 Tax Governance, Control, and Risk Management.
GRI 207: Keterlibatan Pemangku Kepentingan dan Pengelolaan Kepedulian yang Berkaitan dengan Pajak.
207-3 459
Tax 2019 Stakeholder Engagement and Management of Tax-Related Concerns.
Laporan per Negara.
207-4 459
Country-by-Country Reporting.
Topik Lingkungan
Environmental Topics
GRI 3: 302 Energi
Topik Material 2021 302 Energy
GRI 3: Manajemen Topik Material.
3-3 469
Material Topics 2021 Material Topic Management.
Konsumsi Energi dalam Organisasi.
302-1 470
GRI 302: Energy Consumption within the Organization.
Energi 2016 Intensitas Energi.
302-3 470
GRI 302: Energy Intensity.
Energy 2016 Pengurangan Konsumsi Energi.
302-4 470
Reduction of Energy Consumption.
303 Air dan Efluen
GRI 3: 303 Water and Effluents
Topik Material 2021 Manajemen Topik Material.
3-3 475
GRI 3: Material Topic Management.
Material Topics 2021 Konsumsi Air.
303-5 475
Water Consumption.
GRI 3: 305 Emisi
Topik Material 2021 305 Emissions
GRI 3: Manajemen Topik Material.
3-3 472
Material Topics 2021 Material Topic Management.
GRI 305:
Emisi 2016 Emisi GRK (Cakupan 1) Langsung.
305-1 472
GRI 305: Direct GHG Emissions (Scope 1).
Emissions 2016
Emisi GRK (Cakupan 2) Tidak Langsung.
305-2 473
Indirect GHG Emissions (Scope 2).
GRI 305: Intensitas Emisi GRK.
305-4 473
Emisi 2016 GHG Emissions Intensity.
GRI 305: Pengurangan Emisi GRK.
305-5 473
Emissions 2016 Reduction of GHG Emissions.
Emisi Zat Perusak Ozon (ODS).
305-6 474-475
Ozone-Depleting Substances (ODS) Emissions.
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Page 522
Keterbukaan
Disclosure
Halaman
GRI - Standard No.
Page
Indeks Judul
Index Title
No.
GRI 3: 306 Limbah
Topik Material 2021 306 Waste
GRI 3: Manajemen Topik Material.
3-3 475
Material Topics 2021 Material Topic Management.
Timbulan Limbah dan Dampak-Dampak yang Signifikan terkait Limbah.
306-1 475-476
GRI 306: Waste Generation and Significant Waste-Related Impacts.
Limbah 2020 Manajemen Dampak yang Signifikan terkait Limbah.
306-2 476
GRI 306: Management of Significant Waste-Related Impacts.
Waste 2020 Timbulan Limbah.
306-3 476
Waste Generated.
GRI 3: 308 Penilaian Lingkungan Pemasok
Topik Material 2021 308 Supplier Environmental Assessment
GRI 3: Manajemen Topik Material.
3-3 463
Material Topics 2021 Material Topic Management.
GRI 308:
Penilaian Lingkungan
Pemasok 2016 Seleksi Pemasok Baru dengan Menggunakan Kriteria Lingkungan.
308-1 463-464
GRI 308: Screening of New Suppliers Using Environmental Criteria.
Supplier Environmental
Assessment 2016
Topik Sosial
Social Topics
GRI 3: 401 Kepegawaian
Topik Material 2021 401 Employment
GRI 3: Manajemen Topik Material.
3-3 484
Material Topics 2021 Material Topic Management.
Perekrutan Karyawan Baru dan Pergantian Karyawan.
401-1 484-486
New Employee Hires and Employee Turnover.
GRI 401: Tunjangan yang Diberikan kepada Karyawan Purnawaktu yang Tidak Diberikan kepada
Kepegawaian 2016 Karyawan pada Kurun Waktu Tertentu atau Paruh Waktu.
401-2 490
GRI 401: Benefits Provided to Full-Time Employees that are Not Provided to Temporary or Part-Time
Employment 2016 Employees.
Cuti Melahirkan.
401-3 486-487
Maternity Leave.
GRI 3: 404 Pelatihan dan Pendidikan
Topik Material 2021 404 Training and Education
GRI 3: Manajemen Topik Material.
3-3 113
Material Topics 2021 Material Topic Management.
Rata-Rata Jam Pelatihan per Tahun per Karyawan.
GRI 404: 404-1 146
Average Hours of Training per Year per Employee.
Pelatihan dan
Program untuk Meningkatkan Keterampilan Karyawan dan Program Bantuan Peralihan.
Pendidikan 2016 404-2 113
Programs for Upgrading Employee Skills and Transition Assistance Programs.
GRI 404:
Persentase Karyawan yang Menerima Tinjauan Rutin terhadap Kinerja dan Pengembangan
Training and
404-3 Karier. 147
Education 2016
Percentage of Employees Receiving Regular Performance and Career Development Reviews.
405 Keanekaragaman dan Peluang Setara
GRI 3: 405 Diversity and Equal Opportunity
Topik Material 2021 Manajemen Topik Material.
3-3 488
GRI 3: Material Topic Management.
Material Topics 2021 Rasio Gaji Pokok dan Remunerasi Perempuan Dibandingkan Laki-Laki.
405-2 489
Ratio of Basic Salary and Remuneration of Women to Men.
GRI 3: 406 Non-Diskriminasi
Topik Material 2021 406 Non-Discrimination
GRI 3: Manajemen Topik Material.
3-3 484
Material Topics 2021 Material Topic Management.
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Keterbukaan
Disclosure
Halaman
GRI - Standard No.
Page
Indeks Judul
Index Title
No.
GRI 406:
Non-Diskriminasi
2016 Insiden Diskriminasi dan Tindakan Perbaikan yang Dilakukan.
406-1 484
GRI 406: Incidents of Discrimination and Corrective Actions Taken.
Non-Discrimination
2016
GRI 3: 408 Pekerja Anak
Topik Material 2021 408 Child Labor
GRI 3: Manajemen Topik Material.
3-3 483
Material Topics 2021 Material Topic Management.
GRI 408:
Pekerja anak 2016 Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden Pekerja Anak.
408-1 483
GRI 408: Operations and Suppliers at Significant Risk for Incidents of Child Labor.
Child Labor 2016
GRI 3: 409 Kerja Paksa atau Wajib Kerja
Topik Material 2021 409 Forced or Compulsory Labor
GRI 3: Manajemen Topik Material.
3-3 483
Material Topics 2021 Material Topic Management.
GRI 409:
Kerja Paksa atau
Wajib Kerja 2016 Operasi dan Pemasok yang Berisiko Signifikan terhadap Insiden Kerja Paksa atau Wajib Kerja.
409-1 483
GRI 409: Operations and Suppliers at Significant Risk for Incidents of Forced or Compulsory Labor.
Forced or Compulsory
Labor 2016
GRI 3: 413 Masyarakat Lokal
Topik Material 2021 413 Local Communities
GRI 3: Manajemen Topik Material.
3-3 478
Material Topics 2021 Material Topic Management.
Operasi dengan Keterlibatan Masyarakat Lokal, Penilaian Dampak, dan Program
GRI 413: Pengembangan.
Masyarakat Lokal 413-1 478-480
Operations with Local Community Engagement, Impact Assessments, and Development
2016
Programs.
GRI 413:
Operasi yang secara Aktual dan yang Berpotensi Memiliki Dampak Negatif Signifikan terhadap
Local Communities
413-2 Masyarakat Setempat. 478
2016
Operations with Significant Actual and Potential Negative Impacts on Local Communities.
GRI 3: 414 Penilaian Sosial Pemasok
Topik Material 2021 414 Supplier Social Assessment
GRI 3: Manajemen Topik Material.
3-3 463
Material Topics 2021 Material Topic Management.
GRI 414:
Penilaian Sosial
Pemasok 2016 Seleksi Pemasok Baru dengan Menggunakan Kriteria Sosial.
414-1 464
GRI 414: Screening of New Suppliers Using Social Criteria.
Supplier Social
Assessment 2016
GRI 3: 416 Kesehatan dan Keselamatan Pelanggan
Topik Material 2021 416 Customer Health and Safety
GRI 3: Manajemen Topik Material.
3-3 495-496
Material Topics 2021 Material Topic Management.
GRI 416:
Kesehatan dan
Keselamatan
Pelanggan 2016 Penilaian Dampak Kesehatan dan Keselamatan dari Berbagai Kategori Produk dan Jasa.
416-1 495
Assessment of the Health and Safety Impacts of Product and Service Categories.
GRI 416:
Customer Health and
Safety 2016
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Page 524
Laporan
Keuangan
Financial Report
Laporan Keuangan tahun 2025 mencerminkan
kinerja OK BANK yang semakin solid, ditopang oleh
pertumbuhan intermediasi yang berkualitas, struktur
pendanaan yang semakin kuat, serta peningkatan
profitabilitas, dengan tetap menjaga prinsip kehati-
hatian dan disiplin pengelolaan risiko sebagai fondasi
keberlanjutan kinerja jangka panjang.
The 2025 Financial Statements reflect OK BANK’s
increasingly solid performance, supported by quality
intermediation growth, a stronger funding structure,
and a improvement in profitability, while maintaining
prudential principles and disciplined risk management
as the foundation for long-term sustainable performance.
Laporan Tahunan dan Laporan Keberlanjutan
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Page 525
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
2025 523
Page 526
Halaman ini sengaja dikosongkan. This page is intentionally left blank.
Page 527
PT BANK OKE INDONESIA Tbk
Laporan Keuangan
tanggal 31 Desember 2025 dan 2024
dan untuk tahun yang berakhir
pada tanggal-tanggal tersebut
beserta laporan auditor independen/
Financial Statements
as of December 31, 2025 and 2024
and for the years then ended
with independent auditors' report
Page 528
DAFTAR ISI / TABLE OF CONTENTS
Halaman / Pages
SURAT PERNYATAAN DIREKSI BOARD OF DIRECTORS' STATEMENT
LAPORAN AUDITOR INDEPENDEN INDEPENDENT AUDITORS' REPORT
LAPORAN KEUANGAN FINANCIAL STATEMENTS
LAPORAN POSISI KEUANGAN 1-2 STATEMENTS OF FINANCIAL POSITION
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS
PENGHASILAN KOMPREHENSIF LAIN 3 AND OTHER COMPREHENSIVE INCOME
LAPORAN PERUBAHAN EKUITAS 4 STATEMENTS OF CHANGES IN EQUITY
LAPORAN ARUS KAS 5-6 STATEMENTS OF CASHFLOWS
CATATAN ATAS LAPORAN KEUANGAN 7 - 111 NOTES TO THE FINANCIAL STATEMENTS
Page 529
Page 530
Page 531
Page 532
Page 533
Page 534
Page 535
Page 536
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Page 538
Page 539
Page 540
Page 541
Page 542
Page 543
Page 544
Page 545
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
ASET ASSETS
Kas 2e, 4 21.782.860.800 23.121.695.800 Cash
Current accounts with
Giro pada Bank Indonesia 2c, 2d, 2f, 5 372.953.366.477 440.808.802.006 Bank Indonesia
Giro pada bank lain 2c, 2d, 2f, 6 297.228.168 426.815.698 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 2c, 2d, 2g, 7 640.814.502.187 364.985.420.919 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 2c, 2d, 2h, 8 21.747.472.376 123.630.364.127 under resale agreement
Efek-efek 2c, 2d, 2i, 9 1.574.490.179.441 1.505.281.623.244 Marketable securities
Penyisihan kerugian Allowance for
penurunan nilai (30.000.000) - impairment losses
1.574.460.179.441 1.505.281.623.244
Pinjaman yang diberikan 2c, 2d, 2j, 2z, 10, 36 Loans
Pihak berelasi 330.185.260.264 173.988.591.177 Related parties
Pihak ketiga 10.404.625.071.060 9.126.165.198.295 Third parties
Penyisihan kerugian Allowance for
penurunan nilai (239.409.685.306) (207.640.091.189) impairment losses
10.495.400.646.018 9.092.513.698.283
Aset tetap 2k, 11, 27, 41 Fixed assets
Biaya perolehan 206.615.175.316 203.777.147.402 Cost
Akumulasi penyusutan (88.039.850.470) (83.328.268.546) Accumulated depreciation
118.575.324.846 120.448.878.856
Aset takberwujud 2l, 12 Intangible assets
Biaya perolehan 190.052.853.850 176.850.987.505 Cost
Akumulasi amortisasi (167.580.784.905) (160.990.991.938) Accumulated amortization
22.472.068.945 15.859.995.567
Aset hak guna Right of use assets
Biaya perolehan 2m, 13 56.540.613.146 53.948.207.691 Cost
Akumulasi penyusutan (40.466.343.537) (29.841.603.367) Accumulated depreciation
16.074.269.609 24.106.604.324
Aset pajak tangguhan - bersih 2x, 19e 10.718.398.092 6.887.158.437 Deferred tax assets - net
Aset lain-lain 2c, 2o, 14 122.331.415.827 152.421.008.381 Other assets
JUMLAH ASET 13.417.627.732.786 11.870.492.065.642 TOTAL ASSETS
- -
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
1
Page 546
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 2c, 2p, 15 52.718.913.740 54.949.374.343 Liabilities immediately payable
Simpanan dari nasabah 2c, 2q, 2z, 16, 37 Deposits from customers
Pihak berelasi 14.464.248.944 17.758.619.362 Related parties
Pihak ketiga 8.160.017.884.143 6.800.391.728.903 Third parties
8.174.482.133.087 6.818.150.348.265
Simpanan dari bank lain 2c, 2r, 17, 37 803.889.141.551 725.612.748.572 Deposits from other banks
Pinjaman yang diterima 2c, 2s, 18 500.000.000.000 550.000.000.000 Borrowings
Utang pajak 2x, 19a 29.037.071.103 33.772.145.838 Taxes payable
Liabilitas imbalan pasca kerja 2y, 20 20.882.403.911 15.853.111.726 Post-employment benefit liabilities
Liabilitas sewa 2m, 21 8.398.887.804 10.952.219.892 Lease liabilities
Liabilitas lain-lain 22 30.788.823.581 25.520.150.284 Other liabilities
JUMLAH LIABILITAS 9.620.197.374.777 8.234.810.098.920 TOTAL LIABILITIES
- -
EKUITAS EQUITY
Modal saham Share capital
Modal dasar terdiri dari Authorised capital consist of
30.000.000.000 saham dengan 30,000,000,000 shares
nilai nominal Rp100 per lembar saham with par value of Rp100 per share
Modal ditempatkan dan disetor penuh Issued and fully paid capital
16.892.391.185 dan 17.037.792.274 16,892,391,185 dan 17,037,792,274
saham dengan nilai nominal Rp100 shares with par value of Rp100
per lembar saham 2t, 23 1.689.239.118.500 1.703.779.227.400 per share
Saham treasuri 2t, 24 - (55.201.439.696) Treasury stock
Tambahan modal disetor 25 1.592.824.553.749 1.633.485.884.545 Additional paid in capital
Surplus revaluasi aset tetap 27 80.715.123.214 81.948.903.998 Revaluation surplus of fixed asset
Rugi yang belum direalisasi atas efek Unrealized losses on marketable
yang diukur pada nilai wajar melalui securities at fair value through
penghasilan komprehensif lain 9e 2.736.540.489 (136.467.063) other comprehensive income
Kerugian pengukuran kembali Losses remeasurement of
program manfaat pasti 2y, 20 (2.750.398.386) (1.651.210.828) defined benefit pension plans
Saldo laba 2u, 26 Retained earnings
Telah ditentukan penggunaannya 47.484.054.393 37.486.454.404 Appropriated retained earnings
Belum ditentukan penggunaannya 387.181.366.050 235.970.613.962 Unappropriated retained earnings
JUMLAH EKUITAS 3.797.430.358.009 3.635.681.966.722 TOTAL EQUITY
JUMLAH LIABILITAS TOTAL LIABILITIES
13.417.627.732.786 11.870.492.065.642
DAN EKUITAS AND EQUITY
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
2
Page 547
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS
PENGHASILAN KOMPREHENSIF LAIN AND OTHER COMPREHENSIVE INCOME
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended
31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
PENDAPATAN DAN OPERATING INCOME
BEBAN OPERASIONAL AND EXPENSES
Pendapatan bunga 2v, 2w, 2z, 28, 36 1.206.746.944.971 1.037.328.963.418 Interest income
Beban bunga 2v, 2w, 2z, 29, 36 (517.870.519.700) (435.909.638.150) Interest expense
Pendapatan bunga - bersih 688.876.425.271 601.419.325.268 Interest income - net
Pendapatan operasional lainnya 30 31.946.267.484 28.296.309.240 Other operating income
Beban operasional lainnya Other operating expenses
Tenaga kerja 2y, 20, 31, 36 (155.400.571.728) (139.470.827.592) Personnel
Umum dan administrasi 32 (138.901.220.353) (143.730.954.293) General and administrative
Penyisihan kerugian penurunan Allowance for impairment
nilai atas aset keuangan 2d, 33 (212.287.990.664) (278.693.830.679) losses on financial assets
Jumlah beban operasional lainnya (506.589.782.745) (561.895.612.564) Total other operating expenses
LABA OPERASIONAL 214.232.910.010 67.820.021.944 OPERATING INCOME
PENDAPATAN (BEBAN) NON-OPERATING
NON-OPERASIONAL 34 INCOME (EXPENSES)
Pendapatan non-operasional 33.360.650 368.129.447 Non-operating income
Beban non-operasional (316.116.365) (50.616.320) Non-operating expenses
JUMLAH BEBAN TOTAL NON-OPERATING
(282.755.715) 317.513.127
NON-OPERASIONAL - BERSIH EXPENSES - NET
LABA SEBELUM BEBAN INCOME BEFORE
213.950.154.295 68.137.535.071
PAJAK PENGHASILAN INCOME TAX EXPENSE
BEBAN PAJAK PENGHASILAN 2x, 19b (53.975.583.002) (18.149.535.128) INCOME TAX EXPENSE
LABA BERSIH 159.974.571.293 49.987.999.943 NET PROFIT
PENGHASILAN OTHER
KOMPREHENSIF LAIN COMPREHENSIVE INCOME
Pos-pos yang tidak akan Items that will not be reclassified
direklasifikasi ke laba rugi: subsequently to profit or loss:
Pengukuran kembali atas Remeasurements of
program imbalan pasti 2y, 20 (1.409.214.818) 1.724.250.659 defined benefit plans
Pajak penghasilan terkait 310.027.260 (379.335.145) Related income taxes
(1.099.187.558) 1.344.915.514
Pos-pos yang akan Items that will be reclassified
direklasifikasi ke laba rugi: subsequently to profit or loss:
Kerugian yang belum Unrealised loss
direalisasi atas efek yang on marketable securities
diukur pada nilai wajar melalui at fair value through
penghasilan komprehensif lain 9e 3.683.343.015 (174.957.773) other comprehensive income
Pajak penghasilan terkait (810.335.463) 38.490.710 Related income taxes
2.873.007.552 (136.467.063)
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE
1.773.819.994 1.208.448.451
LAIN - BERSIH INCOME - NET
JUMLAH LABA KOMPREHENSIF 161.748.391.287 51.196.448.394 TOTAL COMPREHENSIVE INCOME
LABA PER SAHAM DASAR 2aa, 42 9,41 2,93 BASIC EARNINGS PER SHARE
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
3
Page 548
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2025 dan 2024 For the years ended December 31, 2025 and 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Rugi yang belum
direalisasi atas
efek yang diukur
pada nilai wajar
melalui
penghasilan
komprehensif
lain/ Kerugian
Unrealized losses pengukuran
on marketable kembali program
Surplus revaluasi securities at fair manfaat pasti/ Saldo laba/Retained earnings
Tambahan modal aset tetap/ value through Losses
disetor/ Revaluation other remeasurement Telah ditentukan Belum ditentukan
Catatan/ Modal saham/ Additional paid-in surplus of fixed comprehensive of defined benefit penggunaannya/ penggunaannya/ Saham treasuri/ Jumlah ekuitas/
Notes Share capital capital assets income pension plans Appropriated Unappropriated Treasury stock Total equity
Saldo 31 Desember 2023 1.703.779.227.400 1.633.485.884.545 85.480.061.335 - (2.996.126.342) 31.756.097.833 188.181.813.253 (55.201.439.696) 3.584.485.518.328 Balance as of December 31, 2023
Laba bersih tahun berjalan - - - - - - 49.987.999.943 - 49.987.999.943 Net income for the year
Penambahan cadangan 26 - - - - - 5.730.356.571 (5.730.356.571) - - Additions of reserves
Dipindahkan ke saldo laba 27 - - (3.531.157.337) - - - 3.531.157.337 - - Transferred to retained earnings
Penghasilan komprehensif lain, neto - - - (136.467.063) 1.344.915.514 - - - 1.208.448.451 Other comprehensive income, net
Saldo 31 Desember 2024 1.703.779.227.400 1.633.485.884.545 81.948.903.998 (136.467.063) (1.651.210.828) 37.486.454.404 235.970.613.962 (55.201.439.696) 3.635.681.966.722 Balance as of December 31, 2024
Laba bersih tahun berjalan - - - - - - 159.974.571.293 - 159.974.571.293 Net income for the year
Saham treasury 24 (14.540.108.900) (40.661.330.796) - - - - - 55.201.439.696 - Treasury stocks
Penambahan cadangan 26 - - - - - 9.997.599.989 (9.997.599.989) - - Additions of reserves
Dipindahkan ke saldo laba 27 - - (1.233.780.784) - - - 1.233.780.784 - - Transferred to retained earnings
Penghasilan komprehensif lain, neto - - - 2.873.007.552 (1.099.187.558) - - - 1.773.819.994 Other comprehensive income, net
Saldo 31 Desember 2025 1.689.239.118.500 1.592.824.553.749 80.715.123.214 2.736.540.489 (2.750.398.386) 47.484.054.393 387.181.366.050 - 3.797.430.358.009 Balance as of December 31, 2025
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
4
Page 549
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended
31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM OPERATING ACTIVITIES
Penerimaan bunga, provisi dan komisi 1.180.086.584.789 1.030.205.604.108 Interest, fees and commissions received
Pembayaran bunga, provisi dan komisi (510.053.676.731) (434.281.866.511) Interest, fees and commissions paid
Penerimaan dari pendapatan operasional lainnya 27.412.671.416 28.296.309.240 Other operating income received
Pembayaran gaji dan imbalan kerja (149.594.741.366) (136.787.976.072) Salary and employee benefits paid
Pembayaran beban umum dan administrasi (107.087.278.696) (108.756.616.795) General and administrative expenses paid
Pembayaran pajak penghasilan (63.253.485.462) (14.478.891.152) Income taxes paid
Penerimaan lainnya (297.305) 756.088.232 Other received
Penerimaan kas sebelum perubahan Cash received before changes in
377.509.776.645 364.952.651.050
dalam aset dan liabilitas operasi operating assets and liabilities
Penurunan (kenaikan) dalam aset operasi: Decrease (increase) in operating assets:
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain (300.000.000.000) - and other banks
Pinjaman yang diberikan (1.597.157.583.550) (1.048.814.513.173) Loans
Aset hak guna 934.972.859 307.570.423 Right of use assets
Agunan yang diambil alih 13.470.558.911 10.980.803.931 Foreclosed assets
Aset lain-lain (322.844.825) (3.920.649.080) Other assets
Kenaikan (penurunan) dalam liabilitas operasi: Increase (decrease) in operating liabilities:
Liabilitas segera 95.700.673 86.358.199 Liabilities immediately payable
Simpanan dari nasabah: Deposits from customers:
Giro 139.272.305.302 420.001.619.638 Current accounts
Tabungan 152.151.125.924 (61.693.860.366) Savings deposits
Deposito 1.064.908.353.596 390.097.989.745 Time deposits
Simpanan dari bank lain 78.276.392.979 (18.649.802.944) Deposits from other banks
Liabilitas lain-lain 2.789.725.945 2.163.684.926 Other liabilities
Arus kas bersih diperoleh dari (digunakan untuk) Net cash provided by (used in)
(68.071.515.541) 55.511.852.349
aktivitas operasi operating activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIES
Pembelian aset tetap 11 (4.415.137.949) (3.266.375.657) Acquisitions of fixed assets
Penerimaan atas penjualan aset tetap 11 62.741.560 259.525.000 Proceeds from sale of fixed assets
Pembelian aset takberwujud 12 (13.265.160.925) (1.516.314.600) Acquisitions of intangible assets
Pembelian surat berharga (273.692.000.000) (370.216.324.817) Acquisitions of marketable securities
Penerimaan dari surat berharga Proceeds from matured
yang telah jatuh tempo 323.896.891.751 130.535.510.500 marketable securities
Arus kas bersih diperoleh dari (digunakan untuk) Net cash provided by (used in)
32.587.334.437 (244.203.979.574)
aktivitas investasi investing activities
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIES
Penerimaan pinjaman 18 500.000.000.000 100.000.000.000 Proceeds of borrowings
Pembayaran pinjaman 18 (550.000.000.000) (100.000.000.000) Payment of borrowings
Pembayaran liabilitas sewa 21 (7.989.676.955) (14.652.858.695) Payment of lease liabilities
Arus kas bersih digunakan untuk Net cash used in
(57.989.676.955) (14.652.858.695)
aktivitas investasi investing activities
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
5
Page 550
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended
31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
Penurunan bersih Net decrease in
kas dan setara kas (93.473.858.059) (203.344.985.920) cash and cash equivalents
Kas dan setara kas Cash and cash equivalent
pada awal tahun 829.357.313.504 1.032.702.299.424 at beginning of year
Kas dan setara kas Cash and cash equivalents
735.883.455.445 829.357.313.504
pada akhir tahun at end of year
Kas dan setara kas pada akhir Cash and cash equivalents at
tahun terdiri dari: end of the year consisted of:
Kas 4 21.782.860.800 23.121.695.800 Cash
Giro pada Bank Indonesia 5 372.953.366.477 440.808.802.006 Current accounts with Bank Indonesia
Giro pada bank lain 6 297.228.168 426.815.698 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain (dengan jatuh tempo kurang and other banks (with maturities of less
dari 3 bulan sejak tanggal perolehan) 7 340.850.000.000 365.000.000.000 than 3 months from acquisition date)
Jumlah kas dan setara kas 735.883.455.445 829.357.313.504 Total cash and cash equivalents
- -
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
6
Page 551
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank Oke Indonesia Tbk (dahulu PT Bank Liman PT Bank Oke Indonesia Tbk (formerly PT Bank Liman
International) ("Bank") berkedudukan di Jakarta Pusat International) (the “Bank”) domiciled in Central Jakarta was
didirikan pada tanggal 15 Agustus 1990 berdasarkan akta established on August 15, 1990 based on notarial deed
notaris James Herman Rahardjo, S.H., No.99 tanggal 15 No.99 dated August 15, 1990 of James Herman Rahardjo,
Agustus 1990. Bank memperoleh izin usaha untuk S.H. The Bank obtained a business license to operate as a
beroperasi sebagai bank umum berdasarkan Surat commercial bank under the Decision Letter of the Minister
Keputusan Menteri Keuangan Republik Indonesia of Finance of the Republic of Indonesia
No.1098/KMK.013/1991 tanggal 9 November 1991. Bank No.1098/KMK.013/1991 dated November 9, 1991. The
memulai operasi komersilnya pada tahun 1991. Untuk Bank started commercial operations in 1991. In order to
memenuhi ketentuan Undang-undang No.40 Tahun 2007 meet the provisions of Law No.40 Year 2007 regarding
tentang Perseroan Terbatas, telah dilakukan penyesuaian Limited Liability Company, the Bank has made
terhadap Anggaran Dasar Bank. Penyesuaian tersebut amendments to its Articles of Association. The
dinyatakan dalam Akta Notaris James Herman Rahardjo, amendments is stated in the notarial deed No.56 dated
S.H., No.56 tanggal 17 September 2008 dan telah September 17, 2008 of James Herman Rahardjo, S.H., and
mendapat persetujuan dari Menteri Hukum dan Hak Asasi was approved by the Minister of Law and Human Rights of
Manusia Republik Indonesia dalam Surat Keputusan the Republic of Indonesia in its Decision Letter No.AHU-
No.AHU-89275.AH.01.02 Tahun 2008 tanggal 24 November 89275.AH.01.02 Year 2008 dated November 24, 2008.
2008.
Anggaran Dasar Bank telah mengalami beberapa kali The Bank's Articles of Association have been amended
perubahan, berdasarkan akta notaris No.22 tanggal 9 several times, based on notarial deed No.22 dated
Februari 2012 dari Notaris Hizmelina, S.H., mengenai February 9, 2012 of Notary Hizmelina, S.H., regarding the
perubahan modal dasar dari Rp50.000.000.000 menjadi change in the authorized share capital from the
Rp200.000.000.000 dan telah mendapat persertujuan dari Rp50,000,000,000 to Rp200,000,000,000, and has
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia received approval from Minister of Law and Human Rights
No.AHU-07717.AH.01.02 Tahun 2012 tanggal 14 Februari of the Republic of Indonesia No.AHU-07717.AH.01.02 Year
2012 dan dicatat dalam database Sisminbakum 2012 dated February 14, 2012 and recorded in the
Departemen Hukum dan Hak Asasi Manusia Republik Sisminbakum database of the Ministry of Law and Human
Indonesia berdasarkan surat No.AHU-AH.01.10-05949 Rights of the Republic of Indonesia based on letter
tanggal 21 Februari 2012. No.AHU-AH.01.10-05949 dated February 21, 2012.
Berdasarkan akta notaris Dewi Kusumawati, S.H., No.27 Based on notarial deed No.27 dated May 23, 2012 of Dewi
tanggal 23 Mei 2012 tentang perubahan Anggaran Dasar Kusumawati, S.H., on amendments to the Articles of
mengenai penerbitan saham dalam portepel guna Association regarding the issuance of shares in portepel for
penambahan modal disetor Bank, perubahan susunan increase paid-in capital, changes in composition of the
Direksi dan Komisaris Bank, serta pengajuan dan Board of Directors and Commissioners of the Bank, as well
persetujuan nama Bank yang baru yaitu PT Bank Dinar as the submission and approval new corporate name of the
Indonesia. Perubahan Anggaran Dasar tersebut telah Bank, PT Bank Dinar Indonesia. This amendment has
mendapat persetujuan dari Menteri Hukum dan Hak Asasi been approved by the Minister of Law and Human Rights of
Manusia Republik Indonesia No.AHU-33753.AH.01.02 the Republic of Indonesia No.AHU-33753.AH.01.02 Year
Tahun 2012 tanggal 20 Juni 2012 dan dicatat dalam 2012 dated June 20, 2012 and recorded in the
database Sisminbakum Departemen Hukum dan Hak Asasi Sisminbakum database Ministry of Justice and Human
Manusia Republik Indonesia berdasarkan surat No.AHU- Rights of the Republic of Indonesia based on letter
AH.01.10-24622 dan No.AHU-AH.01.10-24621 tanggal 5 No.AHU-AH.01.10-24622 and No.AHU-AH.01.10-24621
Juli 2012. Pergantian nama Bank tersebut telah mendapat dated July 5, 2012. The change in corporate Bank name
persetujuan dari Bank Indonesia berdasarkan Keputusan was approved from Bank Indonesia based on Decree of
Gubernur Bank Indonesia No.14/75/KEP.GBI/2012, tanggal the Governor of Bank Indonesia No.14/75/KEP.GBI/2012,
25 Oktober 2012. dated October 25, 2012.
7
Page 552
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information (continued)
Berdasarkan akta notaris Tjhong Sendrawan, S.H., No.2 Based on notarial deed No.2 dated December 9, 2013 of
tanggal 9 Desember 2013 mengenai peningkatan modal Tjhong Sendrawan, S.H., increase of capital to
dasar menjadi Rp500.000.000.000, peningkatan modal Rp500,000,000,000, the increase in paid-up capital to
disetor menjadi Rp175.000.000.000 dan perubahan status Rp175,000,000,000, and change for the status from private
bank dari tertutup menjadi terbuka dan telah mendapat to listed bank which has been approved by the Ministry of
persetujuan dari Menteri Hukum dan Hak Asasi Manusia Justice and Human Rights of the Republic of Indonesia
Republik Indonesia No.AHU-66790.AH.01.02 Tahun 2013, No.AHU-66790.AH.01.02 Year 2013, dated December 19,
tanggal 19 Desember 2013, terakhir berdasarkan akta 2013. The most recent amendment was based on notarial
notaris Tjhong Sendrawan, S.H., No.15 tanggal 17 Oktober deed No.15 dated October 17, 2014 of Tjhong Sendrawan,
2014 mengenai peningkatan modal disetor menjadi S.H., regarding the increase in paid-up capital to
Rp225.000.000.000 dan telah mendapat persetujuan dari Rp225,000,000,000 which has been approved by the
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Ministry of Justice and Human Rights of the Republic of
No.AHU-07586.40.21.2014 tanggal 21 Oktober 2014. Indonesia No.AHU-07586.40.21.2014 dated October 21,
2014.
Pada tanggal 8 Juli 2019, Bank melakukan penggabungan On July 8, 2019, the Bank entered into a merger with PT
usaha (merger) dengan PT Bank Oke Indonesia yang Bank Oke Indonesia domiciled in Jakarta. The decision of
berkedudukan di Jakarta. Keputusan Merger ini dituangkan the Merger was stated in deed No.5 dated July 5, 2019,
dalam akta No.5 tanggal 5 Juli 2019 yang dibuat dihadapan which was made by Dewi Kusumawati, S.H., notary in
Dewi Kusumawati, S.H., notaris di Jakarta. Jakarta.
Selain itu, terdapat perubahan anggaran dasar Bank sesuai In addition, there was a change in the Bank's articles of
akta No.6 tanggal 5 Juli 2019 yang dibuat dihadapan Dewi association in accordance with deed No.6 dated July 5,
Kusumawati, S.H., notaris di Jakarta, mengenai 2019, which was made by Dewi Kusumawati, S.H., notary
persetujuan: in Jakarta, regarding approval:
1. Rencana penggabungan usaha PT Bank Dinar 1. The planned merger of PT Bank Dinar Indonesia Tbk
Indonesia Tbk dan PT Bank Oke Indonesia, and PT Bank Oke Indonesia,
2. Pembelian saham kembali dari pemegang saham yang 2. Buy back shares from shareholders who do not
tidak menyetujui Rencana Penggabungan, approve the Merger Plan,
3. Perubahan anggaran dasar Bank, 3. Changes in the Bank's articles of association,
4. Peningkatan modal dasar Bank, 4. Increase in Bank authorized capital,
5. Tanggal efektif penggabungan direncanakan dua Mei 5. The effective date of the merger is planned for May
dua ribu sembilan belas (2-5-2019) atau tanggal lain second, two thousand and nineteen (2-5-2019) or other
yang disetujui oleh PT Bank Dinar Indonesia Tbk dan date agreed by PT Bank Dinar Indonesia Tbk and PT
PT Bank Oke Indonesia yang merupakan tanggal Bank Oke Indonesia which is the first date of the month
pertama dari bulan sebagaimana disetujui tersebut, as agreed,
6. Penunjukkan anggota Direksi dan Dewan Komisaris 6. Appointment of members of the Board of Directors and
Bank hasil penggabungan dan pemberhentian anggota Board of Commissioners of the Bank resulting from the
Direksi dan Dewan Komisaris Bank peserta merger and dismissal of members Board of Directors
penggabungan, and Board of Commissioners of the merger Bank,
7. Nama Bank hasil penggabungan, 7. The name of the merged bank ,
8. Jangka waktu masa jabatan pengurus peseroan, 8. The term of office of the Bank management,
9. Gaji dan honorarium bagi Direksi dan Komisaris serta 9. Salary and honorarium for Directors and
fasilitas pengurus, Commissioners and management facilities,
10. Peninjauan kembali batasan rekomendasi Dewan 10. Review the limits of the Board of Commissioners
Komisaris atas nominal kredit yang diputuskan oleh recommendations for the nominal credit decided by the
Direksi. Directors.
Akta perubahan ini telah mendapat persetujuan dari Menteri This deed of amendment was approved by the Minister of
Hukum dan Hak Asasi Manusia Republik Indonesia dengan Law and Human Rights of the Republic of Indonesia with
Surat Keputusan No.AHU-0035514.AH.01.02 tahun 2019 Decree No.AHU-0035514.AH.01.02. year 2019 dated July
tanggal 8 Juli 2019. 8, 2019.
8
Page 553
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information (continued)
Berdasarkan akta notaris Dewi Kusumawati, S.H. No.23 Based on notarial deed No.23 dated July 22, 2019 of Dewi
tanggal 22 Juli 2019, mengenai perubahan nama Kusumawati, S.H., regarding the change of the Company's
Perusahaan dari PT Bank Dinar Indonesia Tbk menjadi PT name from PT Bank Dinar Indonesia Tbk to PT Bank Oke
Bank Oke Indonesia Tbk. Perubahan ini telah mendapatkan Indonesia Tbk. This amendment has been approved by the
persetujuan dari Menteri Hukum dan Hak Asasi Manusia Minister of Law and Human Rights of the Republic of
Republik Indonesia dengan Surat Keputusan No.AHU- Indonesia with Decree No.AHU-0040123.AH.01.02 Year
0040123.AH.01.02 Tahun 2019 tanggal 22 Juli 2019. 2019 dated July 22, 2019.
Berdasarkan akta notaris Dr. Agung Irianto, S.H., M.H. No.8 Based on notarial deed No.8 dated May 19, 2022 of Dr.
tanggal 19 Mei 2022, mengenai peningkatan modal dasar Agung Irianto, S.H., M.H., regarding the increase in the
Bank, perubahan Pasal 3 untuk disesuaikan dengan authorized capital of the Bank, amendment to Article 3 to
Klasifikasi Baku Lapangan Usaha Indonesia (KBLI) 2020. be adjusted to the Indonesian Standard Classification of
Perubahan ini telah mendapatkan persetujuan dari Menteri Business Fields (KBLI) 2020. This amendment has been
Hukum dan Hak Asasi Manusia Republik Indonesia dengan approved by the Minister of Law and Human Rights of the
Surat Keputusan No.AHU-0033894.AH.01.02.Tahun 2022 Republic of Indonesia with Decree No.AHU-
tanggal 19 Mei 2022. 0033894.AH.01.02.Tahun 2022 dated May 19, 2022.
Perubahan terakhir Anggaran Dasar Bank berdasarkan akta The latest amandement Bank's Article of Association deed
notaris Dr. Agung Irianto, S.H., M.H. No. 2 tanggal 1 No.2 dated October 1, 2025 of Dr. Agung Irianto, S.H.,
Oktober 2025, mengenai pengalihan saham treasuri dengan M.H., regarding transfer of treasury shares to be withdrawn
ditarik kembali dengan cara pengurangan modal, perubahan by way of reduction of capital based, the change of the
pada Pasal 4 ayat 2. Perubahan telah mendapatkan Article 4 verse 2. The amendment has been approved by
persetujuan Menteri Hukum dan Hak Asasi Manusia the Minister of Law and Human Rights of the Republic of
Republik Indonesia dengan Surat Keputusan No.AHU- Indonesia with Decree No.AHU-AH.01.03-0239856 dated
AH.01.03-0239856 tanggal 1 Oktober 2025. October 1, 2025.
Sesuai dengan Anggaran Dasar Bank, maksud dan tujuan In accordance with the Articles of Association of the Bank,
Bank adalah berusaha dalam bidang usaha bank umum the intent and purpose of the Bank is to engage in the
dengan melaksanakan kegiatan-kegiatan usaha perbankan business of commercial banks and to carry out banking
antara lain seperti: business activities such as:
- Menghimpun dana dari masyarakat dalam bentuk - Raise funds from the public in the form of deposits
simpanan berupa giro, deposito berjangka, sertifikat such as demand deposits, time deposits, certificates of
deposito, tabungan dan/atau bentuk lainnya yang deposit, savings and/or other equivalent forms with it.
dipersamakan dengan itu.
- Memberikan kredit, baik untuk jangka panjang, jangka - Providing credit, both for the long term, medium term
menengah dan jangka pendek. and short term.
- Menerbitkan surat pengakuan hutang. - To publish letter of credit.
- Membeli, menjual, atau menjamin atas resiko sendiri - Buy, sellor guarantee at your own risk or for the benefit
maupun untuk kepentingan dan atau perintah and/or order of your customers
nasabahnya
Entitas pemegang saham pengendali dari Bank adalah Ok The controlling shareholder entity of the Bank is Ok Next
Next Co, Ltd. (dahulu APRO Financial Co, Ltd.). Co, Ltd. (formerly APRO Financial Co, Ltd.).
Yoon Choi adalah pemilik manfaat (beneficial owner) dari Yoon Choi is the beneficial owner of the Bank.
Bank.
Kantor Pusat Bank berlokasi di Jl. Ir. H. Juanda No.12, The Bank’s head office is located at Jl. Ir. H. Juanda No.12,
Jakarta Pusat 10120. Jumlah kantor pada tanggal 31 Jakarta Pusat 10120. The total number of offices as of
Desember 2025 dan 2024 adalah sebagai berikut: December 31, 2025 and 2024 are as follows:
Kantor pusat 1 Head office
Kantor cabang 5 Branch offices
Kantor cabang pembantu 10 Sub-branch offices
9
Page 554
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham b. Public offering of shares
Penawaran umum perdana Initial public offering
Berdasarkan surat Otoritas Jasa Keuangan (OJK) No.S- As stated in the letter of the Financial Services Authority
334/D.04/2014 tanggal 30 Juni 2014, pernyataan (OJK) No.S-334/D.04/2014 dated June 30, 2014, the
pendaftaran yang diajukan Bank dalam rangka penawaran registration statement submitted by the Bank relating to the
umum perdana saham kepada masyarakat sejumlah Initial Public Offering of 500,000,000 shares with a nominal
500.000.000 saham dengan nilai nominal sebesar Rp100 value of Rp100 (a hundred Rupiah) per share at the
(seratus Rupiah) setiap saham dengan harga penawaran offering price of Rp110 per share (a hundred and ten
sebesar Rp110 (seratus sepuluh Rupiah) per saham telah Rupiah) became effective on June 30, 2014. The offered
menjadi efektif pada tanggal 30 Juni 2014. Saham yang shares were listed and began trading in the Indonesian
ditawarkan tersebut dicatatkan dan mulai diperdagangkan di Stock Exchange on July 11, 2014.
Bursa Efek Indonesia pada tanggal 11 Juli 2014.
Selisih lebih antara harga penawaran per saham dengan The excess of the share offer price over the par value per
nilai nominal persaham dicatat sebagai “Tambahan modal share was recognized as “Additional paid-in capital, net of
disetor, setelah dikurangi dengan biaya emisi saham”, yang share issuance cost”, which is presented under the Equity
disajikan pada bagian Ekuitas pada Laporan Posisi section of the Statement of Financial Position.
Keuangan.
Penawaran umum terbatas I Limited public offering I
Pada tahun 2019, Bank melakukan Penawaran Umum In 2019, the Bank conducted a Limited Public Offering
Terbatas (PUT) kepada para pemegang saham dalam (PUT) to shareholders in the context of Pre-emptive Rights
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) (HMETD) totaling 2,534,789,887 (two billion five hundred
sebesar 2.534.789.887 (dua miliar lima ratus tiga puluh thirty four million seven hundred eighty nine thousand eight
empat juta tujuh ratus delapan puluh sembilan ribu delapan hundred eighty seven) new shares in the name with a
ratus delapan puluh tujuh) saham baru atas nama dengan nominal value of Rp100 (one hundred Rupiah) per share,
nilai nominal Rp100 (seratus Rupiah) setiap saham, yang which are offered at an Exercise Price of Rp197 (one
ditawarkan dengan Harga Pelaksanaan Rp197 (seratus hundred ninety-seven Rupiah) per share so that the total
sembilan puluh tujuh Rupiah) setiap saham sehingga amount is Rp499,353,607,739 (four hundred ninety-nine
seluruhnya berjumlah sebesar Rp499.353.607.739 (empat billion three hundred and fifty three million six hundred
ratus sembilan puluh sembilan miliar tiga ratus lima puluh seven thousand seven hundred thirty nine Rupiah). The
tiga juta enam ratus tujuh ribu tujuh ratus tiga puluh PUT conducted by the Bank has been declared effective
sembilan Rupiah). PUT yang dilakukan Bank telah based on the Financial Services Authority Letter No.S-
dinyatakan efektif berdasarkan Surat Otoritas Jasa 188/D.04/2019 dated December 5, 2019 regarding
Keuangan No.S-188/D.04/2019 tanggal 5 Desember 2019 Notification of the Effectiveness of the Registration
perihal Pemberitahuan Efektifnya Pernyataan Pendaftaran. Statement.
Penawaran umum terbatas II Limited public offering II
Pada tahun 2020, Bank melakukan Penawaran Umum In 2020, the Bank conducted a Limited Public Offering II
Terbatas II (PUT II) kepada para pemegang saham dalam (PUT II) to shareholders in the context of Pre-emptive
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) Rights (HMETD) totaling 2,686,443,983 (two billion six
sebesar 2.686.443.983 (dua miliar enam ratus delapan hundred eighty six million four hundred forty three thousand
puluh enam juta empat ratus empat puluh tiga ribu sembilan nine hundred eight thirty-three) new shares with a nominal
ratus delapan puluh tiga) saham baru atas nama dengan value of Rp100 (one hundred Rupiah) per share, which are
nilai nominal Rp100 (seratus Rupiah) setiap saham, yang offered at an Exercise Price of Rp186 (one hundred and
ditawarkan dengan Harga Pelaksanaan Rp186 (seratus eighty-six Rupiah) per share so that a total of
delapan puluh enam Rupiah) setiap saham sehingga Rp499,678,580,838 (four hundred ninety-nine billion six
seluruhnya berjumlah sebesar Rp499.678.580.838 (empat hundred seventy eight million five hundred eighty thousand
ratus sembilan puluh sembilan miliar enam ratus tujuh puluh eight hundred thirty eight Rupiah). The PUT II carried out
delapan juta lima ratus delapan puluh ribu delapan ratus tiga by the Bank has been declared effective based on the
puluh delapan Rupiah). PUT II yang dilakukan Bank telah Financial Services Authority Letter No.S-258/D.04/2020
dinyatakan efektif berdasarkan Surat Otoritas Jasa dated October 14, 2020 regarding Notification of the
Keuangan No.S-258/D.04/2020 tanggal 14 Oktober 2020 Effectiveness of the Registration Statement.
perihal Pemberitahuan Efektifnya Pernyataan Pendaftaran.
10
Page 555
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham (lanjutan) b. Public offering of shares (continued)
Penawaran umum terbatas III Limited public offering III
Pada tahun 2021, Bank melakukan Penawaran Umum In 2021, the Bank conducted a Limited Public Offering III
Terbatas III (PUT III) kepada para pemegang saham dalam (PUT III) to shareholders in the context of Pre-emptive
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) Rights (HMETD) totaling 2,537,197,095 (two billion five
sebesar 2.537.197.095 (dua miliar lima ratus tiga puluh hundred thirty seven million one hundred ninety seven
tujuh juta seratus sembilan puluh tujuh ribu sembilan puluh thousand ninety-five) new shares with a nominal value of
lima) saham baru atas nama dengan nilai nominal Rp100 Rp100 (one hundred Rupiah) per share, which are offered
(seratus Rupiah) setiap saham, yang ditawarkan dengan at an Exercise Price of Rp197 (one hundred and ninety-
Harga Pelaksanaan Rp197 (seratus sembilan puluh tujuh seven Rupiah) per share so that a total of
Rupiah) setiap saham sehingga seluruhnya berjumlah Rp499,827,827,715 (four hundred ninety-nine billion eight
sebesar Rp499.827.827.715 (empat ratus sembilan puluh hundred twenty seven million eight hundred twenty seven
sembilan miliar delapan ratus dua puluh tujuh juta delapan thousand seven hundred and fifteen Rupiah).
ratus dua puluh tujuh ribu tujuh ratus lima belas Rupiah).
PUT III yang dilakukan Bank telah dinyatakan efektif The PUT III carried out by the Bank has been declared
berdasarkan Surat Otoritas Jasa Keuangan No.S- effective based on the Financial Services Authority Letter
178/D.04/2021 tanggal 30 September 2021 perihal No.S-178/D.04/2021 dated September 30, 2021 regarding
Pemberitahuan Efektifnya Pernyataan Pendaftaran. Notification of the Effectiveness of the Registration
Statement.
Penawaran umum terbatas IV Limited public offering IV
Pada tahun 2022, Bank melakukan Penawaran Umum In 2022, the Bank conducted a Limited Public Offering IV
Terbatas IV (PUT IV) kepada para pemegang saham dalam (PUT IV) to shareholders in the context of Pre-emptive
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) Rights (HMETD) totaling 2,937,807,163 (two billion nine
sebesar 2.937.807.163 (dua miliar sembilan ratus tiga puluh hundred thirty seven million eight hundred seven thousand
tujuh juta delapan ratus tujuh ribu seratus enam puluh tiga) one hundred sixty three) new shares with a nominal value
saham baru atas nama dengan nilai nominal Rp100 (seratus of Rp100 (one hundred Rupiah) per share, which are
Rupiah) setiap saham, yang ditawarkan dengan Harga offered at an Exercise Price of Rp170 (one hundred
Pelaksanaan Rp170 (seratus tujuh puluh Rupiah) setiap seventy Rupiah) per share so that a total of
saham sehingga seluruhnya berjumlah sebesar Rp499,427,217,710 (four hundred ninety-nine billion four
Rp499.427.217.710 (empat ratus sembilan puluh sembilan hundred twenty seven million two hundred and seventeen
miliar empat ratus dua puluh tujuh juta dua ratus tujuh belas thousand seven hundred and ten Rupiah). The PUT IV
ribu tujuh ratus sepuluh Rupiah). PUT IV yang dilakukan carried out by the Bank has been declared effective based
Bank telah dinyatakan efektif berdasarkan Surat Otoritas on the Financial Services Authority Letter No.S-
Jasa Keuangan No.S-198/D.04/2022 tanggal 5 Oktober 198/D.04/2022 dated October 5, 2022 regarding
2022 perihal Pemberitahuan Efektifnya Pernyataan Notification of the Effectiveness of the Registration
Pendaftaran. Statement.
c. Dewan Komisaris dan Direksi c. Board of Commissioners and Directors
Susunan Dewan Komisaris dan Direksi Bank pada tanggal The composition of the Bank’s Boards of Commissioners
31 Desember 2025 dan 2024 adalah sebagai berikut: and Directors as of December 31, 2025 and 2024, are as
follows:
Dewan Komisaris Board of Commissioners
Komisaris Utama Sang Ton Sim President Commissioner
Komisaris Independen Sondang Martha Samosir Independent Commissioner
Komisaris Independen Chairudin Independent Commissioner
2025 2024
Direksi Board of Directors
Direktur Utama Kang Bong Joo Park Young Man President Director
Wakil Direktur Utama Hendra Lie Hendra Lie Vice President Director
Direktur Kredit dan IT Jong Ha Lee - Loan and TI Director
Direktur Bisnis Vincentia Magdalena Djuniwati Vincentia Magdalena Djuniwati Wijaya Business Director
Direktur Kepatuhan Efdinal Alamsyah Efdinal Alamsyah Compliance Director
11
Page 556
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
c. Dewan Komisaris dan Direksi (lanjutan) c. Board of Commissioners and Directors (continued)
Susunan Dewan Komisaris dan Direksi pada tanggal 31 The composition of the Board of Commissioners and the
Desember 2025 sesuai dengan akta No 7 tanggal 9 Juli Board of Directors as of December 31, 2025 in accordance
2025 yang dibuat dihadapan Dr. Agung Iriantoro, S.H., M.H., with deed No 7 dated July 9, 2025, which made by Dr.
notaris di Jakarta, mengenai perubahan Direksi dan Agung Iriantoro, S.H., M.H., notary in Jakarta, regarding
Komisaris PT Bank Oke Indonesia Tbk, perubahan ini telah the changes to the Board of Directors and Commissioners
mendapatkan persetujuan dari Menteri Hukum dan Hak of PT Bank Oke Indonesia Tbk, this amendment has been
Asasi Manusia Republik Indonesia dengan Surat Keputusan approved by the Minister of Law and Human Rights of the
No AHU-AH.01.09-0309099 tanggal 10 Juli 2025. Republic of Indonesia with the Decree No AHU-AH.01.09-
0309099 dated July 10, 2025.
Susunan Dewan Komisaris dan Direksi pada tanggal 31 The composition of the Board of Commissioners and the
Desember 2024 sesuai dengan akta No 3 tanggal 6 Board of Directors as of December 31, 2024 in accordance
November 2024 yang dibuat dihadapan Dr. Agung Iriantoro, with deed No 3 dated November 6, 2024, which made by
S.H., M.H., notaris di Jakarta, mengenai perubahan Direksi Dr. Agung Iriantoro, S.H., M.H., notary in Jakarta,
dan Komisaris PT Bank Oke Indonesia Tbk, perubahan ini regarding the changes to the Board of Directors and
telah mendapatkan persetujuan dari Menteri Hukum dan Commissioners of PT Bank Oke Indonesia Tbk, this
Hak Asasi Manusia Republik Indonesia dengan Surat amendment has been approved by the Minister of Law and
Keputusan No AHU-AH.01.09-0272706 tanggal 6 November Human Rights of the Republic of Indonesia with the Decree
2024. No AHU-AH.01.09-0272706 dated November 6, 2024.
d. Komite Audit d. Audit Committee
Pada tanggal 31 Desember 2025 dan 2024, susunan As of December 31, 2025 and 2024 the members of the
Komite Audit Bank adalah sebagai berikut: Audit Committee are as follows:
2025 2024
Ketua Chairudin Chairudin Chairman
Anggota Sondang Martha Samosir Sondang Martha Samosir Member
Anggota Joyo Joyo Member
Anggota Iwan Yudha Pramudhi Heru Subroto Member
Kepala SKAI/ Kepala SKAI/
Sekretaris Secretary
The Head of Internal Audit Unit The Head of Internal Audit Unit
e. Komite Remunerasi dan Nominasi e. Nomination and Remuneration Committee
Pada tanggal 31 Desember 2025 dan 2024, susunan As of December 31, 2025 and 2024 the members of the
Komite Nominasi dan Remunerasi Bank adalah sebagai Bank's Nomination and Remuneration Committee are as
berikut: follows:
Ketua Sondang Martha Samosir Chairman
Anggota Sang Ton Sim Member
Anggota merangkap Kepala Divisi SDM/ Member concurrently
sekretaris Division Head of HR of secretary
f. Komite Pemantau Risiko f. Risk Monitoring Committee
Pada tanggal 31 Desember 2025 dan 2024 susunan Komite As of December 31, 2025 and 2024 the members of the
Pemantau Risiko Bank adalah sebagai berikut: Bank's Risk Monitoring Committee are as follows:
2025 2024
Ketua Sondang Martha Samosir Sondang Martha Samosir Chairman
Anggota Chairudin Chairudin Member
Anggota Joyo Joyo Member
Anggota Iwan Yudha Pramudhi Heru Subroto Member
Kepala Divisi MR/ Kepala Divisi MR/
Sekretaris Secretary
Division Head of RM Division Head of RM
12
Page 557
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
g. Sekretaris Perusahaan g. Corporate Secretary
Sekretaris Perusahaan pada tanggal 31 Desember 2025 The Corporate Secretary as of December 31, 2025 and
dan 2024 berdasarkan Surat Keputusan Direksi Bank 2024 based on the Decision Letter of Board of Directors of
No.020/SK/DIR/VII/2019 tanggal 9 Juli 2019, adalah Efdinal the Bank No.020/SK/DIR/VII/2019 dated July 9, 2019, are
Alamsyah. Efdinal Alamsyah.
h. Satuan Kerja Audit Internal h. Internal Audit
Kepala Satuan Kerja Audit Internal (SKAI) pada tanggal 31 The Head of Internal Audit Unit as of December 31, 2025
Desember 2025 dan 2024 adalah Murniasih. and 2024 are Murniasih.
i. Penggabungan usaha PT Bank Dinar Indonesia Tbk i. Merger of PT Bank Dinar Indonesia Tbk (BDI) with PT
(BDI) dengan PT Bank Oke Indonesia (BOI) Bank Oke Indonesia (BOI)
Berdasarkan Surat Keputusan Otoritas Jasa Keuangan Based on the Decree of the Financial Services Authority
(OJK) No.KEP-171/D.03/2018 tanggal 2 Oktober 2018 (OJK) No.KEP-171/D.03/2018 dated October 2, 2018
tentang Izin Rencana Akuisisi 77,38% saham PT Bank regarding the Permitt of Acquisition Plan of 77.38% shares
Dinar Indonesia Tbk oleh APRO Financial Co., Ltd. of PT Bank Dinar Indonesia Tbk by APRO Financial Co.,
sehingga pada tanggal 31 Oktober 2018 pemegang saham Ltd. therefore on October 31, 2018 the controlling
pengendali adalah APRO Financial Co., Ltd. sebanyak shareholder was APRO Financial Co., Ltd. as many as
1.741.070.435 lembar saham (77,38%) atau sebesar 1,741,070,435 shares (77.38%) or amounted of
Rp174.107.043.500. Rp174,107,043,500.
Dalam rangka mengedepankan pemenuhan prinsip tata In order to prioritize the fulfillment of the principles of good
kelola perusahaan yang baik dan rencana strategis usaha, corporate governance and business strategic plans, the
manajemen kedua bank mengajukan permohonan management of the two banks submitted a request for a
penggabungan usaha. Pada tanggal 21 Juni 2019, OJK business combination. On June 21, 2019, OJK has given
telah memberikan izin penggabungan usaha (merger) permission for merger of BOI into BDI, based on OJK
kepada BOI ke dalam BDI, berdasarkan Surat Keputusan Board of Commissioners Decree No.KEP-104/D.03/2019.
Dewan Komisaris OJK No.KEP-104/D.03/2019.
Dalam penggabungan usaha, pemegang saham kedua In the business combination, the shareholders of both
bank, APRO Financial Co., Ltd. melakukan pembelian dan banks, APRO Financial Co., Ltd. bought and converted
konversi 100% saham BOI sehingga APRO Financial Co., 100% of BOI's shares so that APRO Financial Co., Ltd.
Ltd. memiliki 91,33% saham dari bank hasil penggabungan. owns 91.33% shares of the merged bank. As a result of
Akibat dari penggabungan ini, BOI akan berakhir demi this merger, BOI will be dissolved by law without prior
hukum tanpa dilakukan likuidasi sebelumnya dan liquidation and all its assets and obligations will be
seluruhnya aset dan kewajiban BOI akan beralih demi transferred by law to BDI as the surviving entity in the
hukum kepada BDI sebagai Bank yang menerima merger. This business combination transactions is
penggabungan. Penggabungan usaha ini dilakukan dengan accounted for polling of interest method using book value.
metode penyatuan kepentingan (polling of interest).
Pengesahan penggabungan badan hukum PT Bank Dinar The merger legalization of the legal entity of PT Bank Dinar
Indonesia Tbk disetujui oleh Menteri Hukum dan Hak Asasi Indonesia Tbk was approved by the Minister of Law and
Manusia Republik Indonesia No.AHU-AH.01.10-0008817 Human Rights of the Republic of Indonesia No.AHU-
tanggal 8 Juli 2019. AH.01.10-0008817 dated July 8, 2019.
j. Jumlah karyawan j. Number of employees
Pada tanggal 31 Desember 2025 dan 2024, Bank memiliki As of December 31, 2025 dan 2024 the Bank had 325
karyawan sebanyak 325. employees.
13
Page 558
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
Kebijakan akuntansi yang penting yang diterapkan secara The significant accounting policies that are consistently applied
konsisten dalam penyusunan laporan keuangan adalah sebagai in the preparation of the financial statements are as follows:
berikut:
a. Dasar penyusunan laporan keuangan dan pernyataan a. Basis of preparation of the financial statements and
kepatuhan statement of compliance
Laporan keuangan telah disusun dan disajikan sesuai The Bank’s financial statements were prepared in
dengan Standar Akuntansi Keuangan di Indonesia (SAK), accordance with Indonesian Financial Accounting
yang mencakup Pernyataan Standar Akuntansi Keuangan Standards, which comprise the Statements of Financial
(PSAK) dan Interpretasi Standar Akuntansi Keuangan Accounting Standards (“PSAK”) and Interpretations of
(ISAK) yang dikeluarkan oleh Dewan Standar Akuntansi Financial Accounting Standards (“ISAK”) issued by the
Keuangan Ikatan Akuntan Indonesia (DSAK–IAI). Laporan Financial Accounting Standards Board of the Indonesian
keuangan juga disusun sesuai dengan Peraturan Institute of Accountants (DSAK-IAI). The financial
No.VIII.G.7 tentang ”Penyajian dan Pengungkapan Laporan statements have also been prepared in accordance with
Keuangan Emiten atau Perusahaan Publik”. Regulation No.VIII.G.7 regarding “Financial Statements
Presentation and Disclosure of Publicly Listed Companies”.
Laporan keuangan telah disajikan berdasarkan nilai historis The financial statements have been prepared on a
dan disusun dengan dasar akrual, kecuali untuk yang historical cost basis and under the accrual basis of
berikut ini: accounting, except for the following:
- Aset keuangan yang diukur pada nilai wajar melalui - Financial assets are measured at fair value through
penghasilan komprehensif lain. other comprehensive income.
- Aset tetap menggunakan model revaluasi. - Property and equipment using revaluation model.
- Liabilitas untuk imbalan pasti dihitung dengan - Liabilities for defined benefit obligations calculated
menggunakan metode penilaian aktuarial projected unit using the projected unit credit method.
credit.
- Laporan arus kas. - Statement of cash flows.
Laporan arus kas disusun dengan menggunakan metode The statements of cash flows are prepared using the direct
langsung dengan mengelompokkan arus kas atas dasar method and are classified into cash flows on the basis of
aktivitas operasi, investasi dan pendanaan. Untuk tujuan operating, investing and financing activities. For the
laporan arus kas, kas dan setara kas mencakup kas, giro purpose of the statements of cash flows, cash and cash
pada Bank Indonesia, giro pada bank lain dan investasi equivalents include cash, current accounts with Bank
jangka pendek likuid lainnya dengan jangka waktu jatuh Indonesia, current accounts with other banks and other
tempo tiga bulan atau kurang sepanjang tidak digunakan short-term highly liquid investments with original maturities
sebagai jaminan atas pinjaman atau dibatasi of three months or less, as long as they are not being
penggunaannya. pledged as collateral for borrowings or restricted.
Laporan keuangan ini disajikan dalam bahasa Indonesia The financial statements are presented in Indonesian and
dan Inggris. Dalam hal terdapat perbedaan penafsiran English. In the event that there are differences in
akibat penerjemahan bahasa, maka yang digunakan interpretation due to the language translation, then used as
sebagai acuan adalah laporan keuangan dalam bahasa a reference are the financial statements in Indonesian.
Indonesia.
Mata uang fungsional dan penyajian Functional and presentation currency
Laporan keuangan disajikan dalam mata uang Rupiah, yang The Bank’s financial statements are presented in
merupakan mata uang fungsional Bank. Angka-angka yang Indonesian Rupiah, which is also the Bank’s functional
disajikan dalam laporan keuangan menggunakan Rupiah currency amounts presented in the financial statements are
penuh, kecuali bila dinyatakan secara khusus. expressed in Rupiah, unless otherwise stated.
Transaksi dan saldo dalam mata uang asing Transaction and balances in foreign currency
Transaksi dalam mata uang asing dijabarkan ke Rupiah Transactions in foreign currencies are translated into
dengan menggunakan kurs yang berlaku pada tanggal Rupiah using the exchange rates prevailing at the
transaksi. Pada tanggal pelaporan, aset dan liabilitas transaction date. At the reporting date, monetary assets
moneter dalam mata uang asing dijabarkan ke dalam and liabilities denominated in foreign currencies are
Rupiah dengan kurs yang berlaku pada tanggal tersebut. translated into Rupiah at the exchange rate prevailing at
that date.
Keuntungan dan kerugian selisih kurs yang timbul dari Gains and losses arising from foreign currency
transaksi dalam mata uang asing dan dari penjabaran aset transactions and from the translation of monetary assets
dan liabilitas moneter dalam mata uang asing, diakui pada and liabilities denominated in foreign currencies are
laporan laba rugi tahun berjalan. recognized in the statement of profit or loss for the year.
14
Page 559
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
b. Perubahan pada pernyataan standar akuntansi b. Changes to the statements of financial accounting
keuangan dan interpretasi atas Pernyataan Standar standard and interpretations of the Statements of
Akuntansi Keuangan Financial Accounting Standard
Berikut ini adalah standar, perubahan dan interpretasi yang The following standards, amendments and interpretations
berlaku efektif sejak tanggal 1 Januari 2025: became effective since January 1, 2025:
a. PSAK 117, “Kontrak Asuransi”, yang diadopsi dari IFRS a. PSAK 117, “Insurance Contracts”, adopted from IFRS
17, penerapan dini diperkenankan untuk entitas yang 17, early application is permitted for entities that have
juga telah menerapkan PSAK 109 dan PSAK 115. also applied PSAK 109 and PSAK 115.
b. Amandemen PSAK 221, "Pengaruh Perubahan Kurs b. Amendment to PSAK 221, “The Effect of Changes in
Valuta Asing tentang Kekurangan Ketertukaran". Foreign Exchange Rates on the Lack of Convertibility”.
Penerapan lebih dini diperkenankan. Early application is permitted.
Implementasi dari standar-standar tersebut tidak The implementation of the above standards did not result in
menghasilkan perubahan substansial terhadap kebijakan substantial changes to the Bank's accounting policies and
akuntansi Bank dan tidak memiliki dampak yang material had no material impact to the financial statements for
terhadap laporan keuangan di periode berjalan atau tahun current period or prior financial years.
sebelumnya.
c. Aset dan liabilitas keuangan c. Financial assets and liabilities
Aset keuangan terdiri dari kas, giro pada Bank Indonesia, Financial assets consist of cash, current account with Bank
giro pada bank lain, penempatan pada Bank Indonesia dan Indonesia, current account with other banks, placement
bank lain, efek-efek yang dibeli dengan janji dijual kembali, with Bank Indonesia and other banks, marketable
efek-efek, pinjaman yang diberikan, aset pajak tangguhan securities purchased under resale agreement, marketable
dan aset lain-lain. securities, loans, deferred tax asssets and other assets.
Liabilitas keuangan terdiri dari liabilitas segera, simpanan Financial liabilities consist of liabilities immediately payable,
dari nasabah, simpanan dari bank lain, pinjaman yang depostits from customers, deposits from other banks,
diterima dan liabilitas lain-lain. borrowings and other liabilities.
(i) Klasifikasi (i) Classification
Sesuai dengan PSAK 109, terdapat tiga klasifikasi In accordance with PSAK 109, there are three
pengukuran aset keuangan: measurement classifications for financial assets:
- Biaya perolehan diamortisasi; - Amortised cost;
- Diukur pada nilai wajar melalui laba rugi (FVTPL); - Fair value through profit or loss (FVTPL);
- Diukur pada nilai wajar melalui penghasilan - Fair value through other comprehensive income
komprehensif lain (FVOCI). (FVOCI).
Aset keuangan diklasifikasikan menjadi kategori Financial assets are classified into these categories
tersebut di atas berdasarkan model bisnis dimana aset based on the business model within which they are
keuangan tersebut dimiliki dan karakteristik arus kas held and their contractual cash flow characteristics.
kontraktualnya. Model bisnis merefleksikan bagaimana The business model reflects how groups of financial
kelompok aset keuangan dikelola untuk mencapai assets are managed to achieve a particular business
tujuan bisnis tertentu. objective.
Aset keuangan dapat diukur dengan biaya perolehan A financial asset is measured at amortised cost only if it
diamortisasi hanya jika memenuhi kedua kondisi berikut meets both of the following conditions and it is not
dan tidak ditetapkan sebagai FVTPL: designated as at FVTPL:
- Aset keuangan dikelola dalam model bisnis yang - The financial assets is held within a business
bertujuan untuk memiliki aset keuangan untuk model whose objective is to hold the asset to
tujuan mendapatkan arus kas kontraktual (held to collect contractual cash flows (held to collect); and
collect) ; dan
- Kriteria kontraktual dari aset keuangan yang pada - Its contractual terms give rise on specified dates to
tanggal tertentu menghasilkan arus kas yang cash flows that are solely payments of principal and
merupakan pembayaran pokok dan bunga semata interest (SPPI) on the principal amount
(SPPI) dari jumlah pokok terutang. outstanding.
15
Page 560
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Suatu instrumen utang diukur pada FVOCI, hanya jika A debt instruments measured at FVOCI only if it meets
memenuhi kedua kondisi berikut dan tidak ditetapkan both of the following conditions and is not designated
sebagai FVTPL: as at FVTPL:
- Aset keuangan dikelola dalam model bisnis yang - The financial asset is held within a business model
tujuan tercapai dengan mendapatkan arus kas whose objective is achieved by both collecting
kontraktual dan menjual aset keuangan (held to contractual cash flows and selling the financial
collect and sell) ; dan asset (held to collect and sell); and
- Kriteria kontraktual dari aset keuangan yang pada - Its contractual terms give rise on specified dates to
tanggal tertentu menghasilkan arus kas yang cash flows that are solely payments of principal and
merupakan pembayaran pokok dan bunga semata interest on the principal amount outstanding.
dari jumlah pokok terutang.
Seluruh aset keuangan yang tidak diklasifikasikan All financial assets not classified as measured at
sebagai diukur dengan biaya perolehan diamortisasi amortized cost or FVOCI as described above are
atau FVOCI sebagaimana ketentuan di atas diukur measured at FVTPL.
dengan FVTPL.
Aset dapat dijual dari portofolio hold to collect ketika Assets may be sold out of hold to collect portfolios
terdapat peningkatan risiko kredit. Penghentian untuk where there is an increase in credit risk. Disposals for
alasan lain diperbolehkan namun jumlah penjualan other reasons are permitted but such sales should be
tersebut harus tidak signifikan jumlahnya atau tidak insignificant in value or infrequent in nature.
sering.
Laba rugi yang belum direalisasi atas aset keuangan Unrealized gains or losses of financial assets held at
yang diklasifikasikan sebagai FVOCI ditangguhkan di FVOCI deferred in other comprehensive income until
pendapatan komprehensif lain sampai aset tersebut the asset is derecognised.
dihentikan.
Aset keuangan dapat ditetapkan sebagai FVTPL hanya Financial assets may be designated at FVTPL only if
jika ini dapat mengeliminasi atau mengurangi doing so eliminates or reduces accounting mismatch.
accounting mismatch .
Penilaian apakah arus kas kontraktual hanya Assessment of whether contractual cash flows are
merupakan pembayaran pokok dan bunga semata solely payments of principal and interest
Untuk tujuan penilaian ini, 'pokok' didefinisikan sebagai For the purposes of this assessment, 'principal' is
nilai wajar dari aset keuangan pada pengakuan awal. defined as the fair value of the financial asset on initial
'Bunga' didefinisikan sebagai imbalan untuk nilai waktu recognition. 'Interest' is defined as consideration for the
atas uang dan untuk risiko kredit yang terkait dengan time value of money and for the credit risk associated
jumlah pokok yang terutang selama periode waktu with the principal amount outstanding during a
tertentu dan untuk risiko dan biaya pinjaman dasar particular period of time and for other basic lending
lainnya (misalnya risiko likuiditas dan biaya risks and costs (e.g. liquidity risk and administrative
administrasi), serta marjin keuntungan. costs), as well as profit margin.
Dalam menilai apakah arus kas kontraktual adalah In assessing whether the contractual cash flows are
SPPI, Bank mempertimbangkan ketentuan kontraktual SPPI, the Bank considers the contractual terms of the
instrumen tersebut. Hal ini termasuk menilai apakah instrument. This includes assessing whether the
aset keuangan mengandung ketentuan kontraktual financial asset contains a contractual term that could
yang dapat mengubah waktu atau jumlah arus kas change the timing or amount of contractual cash flows
kontraktual sehingga tidak memenuhi kondisi ini. Dalam such that it would not meet this condition. In making the
melakukan penilaian, Bank mempertimbangkan: assessment, the Bank considers:
- Kejadian kontinjensi yang akan mengubah jumlah - Contingent events that would change the amount
dan waktu arus kas; and timing of cash flows;
- Fitur leverege ; - Leverage features;
- Persyaratan pelunasan dipercepat dan - Prepayment and extention terms;
perpanjangan fasilitas;
- Ketentuan yang membatasi klaim Bank atas arus - Terms that limit the Bank's claim to cash flows from
kas dari aset tertentu (seperti pinjaman non- specified assets (e.g. non-recourse loans); and
recourse ); dan
- Fitur yang memodifikasi imbalan dari nilai waktu - Features that modify consideration of the time
atas uang (seperti penetapan ulang suku bunga value of money (e.g. periodical reset of interest
berkala). rates).
16
Page 561
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Penilaian model bisnis Business model assessment
Model bisnis mengacu pada bagaimana aset keuangan Business model refers to how financial assets are
dikelola bersama untuk menghasilkan arus kas untuk managed together to generate cash flows for the Bank.
Bank. Arus kas mungkin dihasilkan dengan menerima This may be collecting contractual cash flows, selling
arus kas kontraktual, menjual aset keuangan atau financial assets or both. Business models are
keduanya. Model bisnis ditentukan pada tingkat determined at a level of aggregation where groups of
agregasi di mana kelompok aset dikelola bersama assets are managed together to achieve a particular
untuk mencapai tujuan tertentu dan tidak bergantung objective and do not depend on management's
pada niat manajemen pada instrumen individual. intentions for individual instruments.
Bank menilai model bisnis pada aset keuangan The Bank assesses the business model of financial
setidaknya pada tingkat lini bisnis atau pada di mana assets at least at business line level or where there are
terdapat variasi mandat/tujuan dalam lini bisnis, pada varying mandates or objectives within a business line,
lini bisnis produk atau pada tingkat desk yang lebih at a more granular product business line or desk level
granular (misalnya sub-portofolio atau sub-lini bisnis). (i.e. subportfolios or sub-business lines).
Penentuan model bisnis dilakukan dengan Business model determinations are made considering
mempertimbangkan semua bukti relevan yang tersedia all relevant evidence that is available at the date of the
pada tanggal penilaian. Ini termasuk, tetapi tidak assessment. This includes, but is not limited to:
terbatas pada:
- bagaimana kinerja bisnis dan aset keuangan yang - how the performance of the business and the
ada di dalam unit bisnis itu dievaluasi dan financial assets held within that business unit are
dilaporkan kepada manajemen. Tingkat pemisahan evaluated and reported to management. The level
yang diidentifikasi untuk klasifikasi PSAK 109 harus of segregation identified for PSAK 109
konsisten dengan bagaimana portofolio aset classification should be consistent with how asset
dipisahkan dan dilaporkan kepada manajemen; portfolios are segregated and reported to senior
management;
- risiko yang mempengaruhi kinerja unit bisnis dan - the risks that affect the performance of the
aset keuangan yang dimiliki dalam unit bisnis itu business unit and the financial assets held within
dan khususnya bagaimana risiko itu dikelola; dan that business unit and in particular the way those
risks are managed; and
- bagaimana manajer unit bisnis dikompensasi - how managers of the business unit are
(misalnya, apakah kompensasi didasarkan pada compensated (for example, whether the
nilai wajar dari aset yang dikelola atau pada arus compensation is based on the fair value of the
kas kontraktual yang dikumpulkan). assets managed or on the contractual cash flows
collected).
Penentuan model bisnis dilakukan berdasarkan Business model determinations are made on the basis
skenario yang diperkirakan akan terjadi oleh Bank dan of scenarios that the Bank reasonably expects to occur
tidak dalam kondisi sangat tertekan atau 'kondisi and not under highly stressed or 'worst case'
terburuk'. Jika aset dijual dalam kondisi yang tidak conditions. Where assets are disposed of under
diharapkan oleh Bank untuk berlaku ketika aset diakui, conditions that the Bank did not reasonably expect to
klasifikasi aset keuangan yang ada dalam portofolio prevail when the assets were recognised, the
tidak disajikan secara tidak akurat, tetapi kondisi classification of existing financial assets in the portfolio
tersebut harus dipertimbangkan untuk aset yang are not rendered inaccurate but the conditions in
diperoleh di masa mendatang. question should be considered for any assets acquired
going forward.
Pemilihan model operasi dalam PSAK 109 dirancang The targeting operating model for PSAK 109 is
sedemikian rupa sehingga akuntansi untuk instrumen di designed such that accounting for instruments at
FVTPL adalah pilihan yang tepat/conscious . FVTPL is a conscious choice.
17
Page 562
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Perubahan pada model bisnis atau pengenalan model Changes to business models or the introduction of new
bisnis baru ditentukan melalui proses persetujuan unit business models are determined through the new
bisnis baru. business unit approval process.
Bank dapat mereklasifikasi seluruh aset keuangan yang The Bank can reclassified all of its financial assets
terpengaruh jika dan hanya jika, model bisnis untuk when and only, its business model for managing those
pengelolaan aset keuangan berubah. financial assets changes.
(ii) Pengakuan awal (ii) Initial recognition
Bank pada awalnya mengakui pinjaman yang diberikan The Bank initially recognises loans and deposits on the
dan simpanan pada tanggal perolehan. date of origination.
Semua aset dan liabilitas keuangan lainnya pada All other financial assets and liabilities are initially
awalnya diakui pada tanggal perdagangan dimana Bank recognised on the trade date at which the Bank
menjadi suatu pihak dalam ketentuan kontraktual becomes a party to the contractual provisions of the
instrumen tersebut. instruments.
Pembelian dan penjualan aset keuangan yang lazim Regular way purchases and sales of financial assets
(reguler) diakui pada tanggal perdagangan dimana are recognised on the trade date at which the Bank
Bank memiliki komitmen untuk membeli atau menjual commits to purchase or sell those assets.
aset tersebut.
Pada saat pengakuan awal, aset keuangan atau A financial asset or financial liability is initially
liabilitas keuangan diukur pada nilai wajar measured at fair value plus/less (for an item not
ditambah/dikurangi (untuk item yang tidak diukur pada subsequently measured at fair value through profit or
nilai wajar melalui laba rugi setelah pengakuan awal) loss) transaction costs that are directly attributable to
biaya transaksi yang dapat diatribusikan secara the acquisition of a financial asset or issuance of a
langsung atas perolehan aset keuangan atau financial liability. The subsequent measurement of
penerbitan liabilitas keuangan. Pengukuran aset financial assets and financial liabilities depends on their
keuangan dan liabilitas keuangan setelah pengakuan classification.
awal tergantung pada klasifikasi aset keuangan dan
liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya-biaya yang dapat Transaction costs include only those costs that are
diatribusikan secara langsung untuk perolehan suatu directly attributable to the acquisition of a financial
aset keuangan atau penerbitan suatu liabilitas asset or issuance of a financial liability and are
keuangan dan merupakan biaya tambahan yang tidak incremental costs that would not have been incurred if
akan terjadi apabila instrumen keuangan tersebut tidak the instrument had not been acquired or issued.
diperoleh atau diterbitkan.
Aset keuangan yang diukur pada nilai wajar melalui Financial assets carried at fair value through profit or
laporan laba rugi pada awalnya dicatat sebesar nilai loss are initially recognised at fair value and transaction
wajar dan biaya transaksinya dibebankan pada laporan costs are expensed in the profit or loss. Available-for-
laba rugi. Aset keuangan tersedia untuk dijual, FVOCI sale financial assets, FVOCI and financial assets at fair
dan aset keuangan yang diukur pada nilai wajar melalui value through profit or loss are subsequently carried at
laporan laba rugi selanjutnya dicatat sebagai nilai wajar. fair value. Loans and receivables and financial asset
Pinjaman yang diberikan dan piutang dan aset held to maturity are carried at amortised cost using the
keuangan dimiliki hingga jatuh tempo dicatat sebesar effective interest rate method.
biaya perolehan diamortisasi dengan menggunakan
metode suku bunga efektif.
Untuk liabilitas keuangan, biaya transaksi dikurangkan For financial liabilities, transaction costs are deducted
dari jumlah utang yang diakui pada pengakuan awal from the amount of debt initially recognised. Such
liabilitas. Biaya transaksi tersebut diamortisasi selama transactions costs are amortised over the terms of the
umur instrumen berdasarkan metode suku bunga efektif instruments based on the effective interest rate method
dan dicatat sebagai bagian dari beban bunga. and are recorded as part of interest expense.
18
Page 563
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(iii) Pengukuran biaya perolehan diamortisasi (iii) Amortised cost measurement
Biaya perolehan diamortisasi dari aset keuangan atau The amortised cost of a financial asset or financial
liabilitas keuangan adalah jumlah aset atau liabilitas liability is the amount at which the financial asset or
keuangan yang diukur pada saat pengakuan awal, liability is measured at initial recognition, less principal
dikurangi pembayaran pokok, ditambah atau dikurangi repayments, plus or less the cumulative amortisation
dengan amortisasi kumulatif dengan menggunakan using the effective interest method of any difference
metode suku bunga efektif yang dihitung dari selisih between the initial amount recognised and the maturity
antara nilai awal dan nilai jatuh temponya dan dikurangi amount and minus any allowance for impairment
cadangan kerugian penurunan nilai. losses.
Kerugian penurunan nilai dilaporkan sebagai pengurang The impairment loss is reported as a deduction from
dari nilai tercatat dari aset keuangan dalam kelompok the carrying value of the financial assets classified as
biaya perolehan diamortisasi, dan diakui di dalam amortised cost and recognised in the statement of
laporan laba rugi sebagai kerugian penurunan nilai aset profit or loss as impairment losses on financial assets.
keuangan.
Tingkat suku bunga efektif adalah suku bunga yang The effective interest rate is the rate that exactly
secara tepat mendiskontokan estimasi arus kas di discounts the estimated future cash flows through the
masa datang selama perkiraan umur dari aset expected life of the financial asset or financial liability
keuangan atau liabilitas keuangan (atau jika lebih tepat, (or, where appropriate, a shorter period) to the net
digunakan periode yang lebih singkat) untuk carrying amount at initial recognition. When calculating
memperoleh nilai tercatat bersih pada saat pengakuan the effective interest rate, the Bank estimates future
awal. Pada saat menghitung tingkat suku bunga efektif, cash flows considering all contractual terms of the
Bank mengestimasi arus kas di masa datang dengan financial instrument, but does not consider any future
mempertimbangkan seluruh persyaratan kontraktual credit losses.
dalam instrumen keuangan tersebut, namun tidak
mempertimbangkan kerugian kredit di masa
mendatang.
Perhitungan suku bunga efektif mencakup biaya The calculation of the effective interest rate includes
transaksi dan seluruh imbalan/provisi dan bentuk lain transaction costs and all fees and provisions paid or
yang dibayarkan atau diterima yang merupakan bagian received that are an integral part of the effective
tak terpisahkan dari suku bunga efektif. interest rate.
(iv) Pengukuran nilai wajar (iv) Fair value measurement
Nilai wajar adalah harga yang akan diterima untuk Fair value is the price that would be received to sell an
menjual suatu aset atau harga yang akan dibayar untuk asset or paid to transfer a liability in an orderly
mengalihkan suatu liabilitas dalam transaksi teratur transaction between market participants at the
(orderly transaction) antara pelaku pasar (market measurement date in the principal market or, in its
participants) pada tanggal pengukuran di pasar utama absence, the most advantageous market to which the
atau, jika tidak terdapat pasar utama, di pasar yang Bank has access at that date. The fair value of a
paling menguntungkan dimana Bank memiliki akses liability reflects its non-performance risk.
pada tanggal tersebut. Nilai wajar liabilitas
mencerminkan risiko wanprestasinya.
Jika tersedia, Bank mengukur nilai wajar instrumen When available, the Bank measures the fair value of a
keuangan dengan menggunakan harga kuotasian di financial instrument using the quoted price in an active
pasar aktif untuk instrumen tersebut. Suatu pasar market for that instrument. A market is regarded as
dianggap aktif jika transaksi atas aset dan liabilitas active if transactions for the asset or liability take place
terjadi dengan frekuensi dan volume yang memadai with sufficient frequency and volume to provide pricing
untuk menyediakan informasi penentuan harga secara information on an ongoing basis.
berkelanjutan.
Jika harga kuotasian tidak tersedia di pasar aktif, Bank If there is no quoted price in an active market, then the
menggunakan teknik penilaian dengan memaksimalkan Bank uses valuation techniques that maximise the use
penggunaan input yang dapat diobservasi dan relevan of relevant observable inputs and minimise the use of
dan meminimalkan penggunaan input yang tidak dapat unobservable inputs. The chosen valuation technique
diobservasi. Teknik penilaian yang dipilih incorporates all of the factors that market participants
menggabungkan semua faktor yang diperhitungkan would take into account in pricing a transaction.
oleh pelaku pasar dalam penentuan harga transaksi.
19
Page 564
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(iv) Pengukuran nilai wajar (lanjutan) (iv) Fair value measurement (continued)
Bukti terbaik atas nilai wajar instrumen keuangan pada The best evidence of the fair value of a financial
saat pengakuan awal adalah harga transaksi, yaitu nilai instrument at initial recognition is normally the
wajar dari pembayaran yang diberikan atau diterima. transaction price, i.e., the fair value of the consideration
Jika Bank menetapkan bahwa nilai wajar pada given or received. If the Bank determines that the fair
pengakuan awal berbeda dengan harga transaksi dan value at initial recognition differs from the transaction
nilai wajar tidak dapat dibuktikan dengan harga price and the fair value is evidenced neither by a
kuotasian di pasar aktif untuk aset atau liabilitas yang quoted price in an active market for an identical asset
identik atau berdasarkan teknik penilaian yang hanya or liability nor based on a valuation technique that uses
menggunakan data dari pasar yang dapat diobservasi, only data from observable markets, then the financial
maka nilai wajar instrumen keuangan pada saat instrument is initially measured at fair value, adjusted to
pengakuan awal disesuaikan untuk menangguhkan defer the difference between the fair value at initial
perbedaan antara nilai wajar pada saat pengakuan awal recognition and the transaction price.
dan harga transaksi.
Setelah pengakuan awal, perbedaan tersebut diakui Subsequently, that difference is recognised in profit or
dalam laba rugi berdasarkan umur dari instrumen loss on an appropriate basis over the life of the
tersebut namun tidak lebih lambat dari saat penilaian instrument but no later than when the valuation is
tersebut didukung sepenuhnya oleh data pasar yang wholly supported by observable market data or the
dapat diobservasi atau saat transaksi ditutup. transaction is closed out.
Jika aset atau liabilitas yang diukur pada nilai wajar If an asset or a liability measured at fair value has a bid
memiliki harga penawaran dan harga permintaan, maka price and an ask price, then the Bank measures assets
Bank mengukur aset dan posisi long berdasarkan and long positions at a bid price and liabilities and short
harga penawaran dan mengukur liabilitas dan posisi positions at an ask price.
short berdasarkan harga permintaan.
Kelompok aset keuangan dan liabilitas keuangan yang Portfolios of financial assets and financial liabilities
diukur pada nilai wajar, yang terekspos risiko pasar dan measured at fair value, that are exposed to market risk
risiko kredit yang dikelola oleh Bank berdasarkan and credit risk that are managed by the Bank on the
eksposur netonya baik terhadap risiko pasar ataupun basis of the net exposure to either market or credit risk,
risiko kredit, diukur berdasarkan harga yang akan are measured on the basis of a price that would be
diterima untuk menjual posisi net long (atau dibayar received to sell a net long position (or paid to transfer a
untuk mengalihkan posisi net short ) untuk eksposur net short position) for a particular risk exposure. Those
risiko tertentu. Penyesuaian pada level kelompok portfolio-level adjustments are allocated to the
tersebut dialokasikan pada aset dan liabilitas individual individual assets and liabilities on the basis of the
berdasarkan penyesuaian risiko relatif dari masing- relative risk adjustment of each of the individual
masing instrumen individual di dalam kelompok. instruments in the portfolio.
(v) Penghentian pengakuan (v) Derecognition
Bank menghentikan pengakuan aset keuangan pada The Bank derecognises a financial asset when the
saat hak kontraktual atas arus kas yang berasal dari contractual rights to the cash flows from the financial
aset keuangan tersebut kadaluwarsa, atau Bank asset expire, or when it transfers the rights to receive
mentransfer seluruh hak untuk menerima arus kas the contractual cash flows on the financial asset in a
kontraktual dari aset keuangan dalam transaksi dimana transaction in which substantially all the risks and
Bank secara substansial telah mentransfer seluruh rewards of ownership of the financial asset are
risiko dan manfaat atas kepemilikan aset keuangan transferred. Any interest in transferred financial assets
yang ditransfer. Setiap hak atau liabilitas atas aset that is created or retained by the Bank is recognised
keuangan yang ditransfer yang timbul atau yang masih as a separate asset or liability.
dimiliki oleh Bank diakui sebagai aset atau liabilitas
secara terpisah.
20
Page 565
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(v) Penghentian pengakuan (lanjutan) (v) Derecognition (continued)
Dalam transaksi dimana Bank secara substansial tidak In transactions in which the Bank neither retains nor
memiliki atau tidak mentransfer seluruh risiko dan transfers substantially all the risks and rewards of
manfaat atas kepemilikan aset keuangan, Bank ownership of a financial asset, the Bank derecognises
menghentikan pengakuan aset tersebut jika Bank tidak the asset if it does not retain control over the asset.
lagi memiliki pengendalian atas aset tersebut. Hak dan The rights and obligations retained in the transfer are
kewajiban yang masih dimiliki dalam transfer tersebut recognised separately as assets and liabilities as
diakui secara terpisah sebagai aset atau liabilitas. appropriate. In transfers in which control over the asset
Dalam transfer dimana pengendalian atas aset masih is retained, the Bank continues to recognise the asset
dimiliki, Bank tetap mengakui aset yang ditransfer to the extent of its continuing involvement, determined
tersebut sebesar keterlibatan berkelanjutan, dimana by the extent to which it is exposed to changes in the
tingkat keberlanjutan Bank dalam aset yang ditransfer value of the transferred asset.
adalah sebesar perubahan nilai aset yang ditransfer.
Bank menghapusbukukan aset keuangan dan The Bank writes off a financial asset and any related
cadangan kerugian penurunan nilai terkait, pada saat allowance for impairment losses, when the Bank
Bank menentukan bahwa aset keuangan tersebut tidak determines that the financial asset is completely
dapat ditagih seluruhnya. Keputusan ini diambil setelah uncollectible. This determination is reached after
mempertimbangkan informasi seperti telah terjadinya considering information such as the occurrence of
perubahan signifikan pada posisi keuangan significant changes in the financial position of
debitur/penerbit aset keuangan sehingga borrower/financial asset's issuer such that the
debitur/penerbit aset keuangan tidak lagi dapat borrower/financial asset's issuer can no longer pay the
melunasi kewajibannya, atau hasil penjualan agunan obligation, or that proceeds from collateral will not be
tidak akan cukup untuk melunasi seluruh eksposur sufficient to pay back the entire exposure.
pinjaman yang diberikan.
(vi) Saling hapus (vi) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and the net
disalinghapuskan dan jumlah netonya dilaporkan pada amount is reported in the statement of financial position
laporan posisi keuangan ketika terdapat hak yang when there is a legally enforceable right to offset the
berkekuatan hukum untuk melakukan saling hapus atas recognised amounts and there is an intention to settle
jumlah yang telah diakui tersebut dan adanya niat untuk on a net basis, or realise the asset and settle the
menyelesaikan liabilitas secara bersamaan. Hak saling liability simultaneously. The legally enforceable right
hapus tidak kontinjen atas peristiwa di masa depan dan must not be contingent on future events and must be
dapat dipaksakan secara hukum dalam situasi bisnis enforceable in the normal course of business and in the
yang normal dan dalam peristiwa gagal bayar, atau event of default in solvency or bankcruptcy or the Bank
peristiwa kepailitan atau kebangkrutan Bank atau pihak or the counterparty.
lawan.
Pendapatan dan beban disajikan dalam jumlah bersih Income and expenses are presented on a net basis
hanya jika diperkenankan oleh standar akuntansi. only when permitted by accounting standards.
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan financial assets
PSAK 109 mengharuskan cadangan kerugian diakui PSAK 109 requires a loss allowance to be recognised at an
sebesar kerugian kredit ekspektasian 12 bulan (12-month amount equal to either 12-month expected credit losses
ECL) atau kerugian kredit ekspektasian sepanjang umur (ECL) or lifetime ECLs. Lifetime ECLs are the ECLs that
aset keuangan (lifetime ECL) . Lifetime ECL adalah result from all possible default events over the expected life
kerugian kredit ekspektasian yang berasal dari semua of a financial instrument, whereas 12-month ECLs are the
kemungkinan kejadian gagal bayar sepanjang umur portion of ECLs that result from default events that are
ekspektasian suatu instrumen keuangan, sedangkan ECL possible within the 12 months after reporting date.
12 bulan adalah porsi dari kerugian kredit ekspektasian
yang berasal dari kemungkinan kejadian gagal bayar dalam
12 bulan setelah tanggal pelaporan.
21
Page 566
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan (lanjutan) financial assets (continued)
Kerugian kredit ekspektasian atau Expected Credit Losses Expected Credit Losses (ECL) are recognized for all
(ECL) diakui untuk seluruh instrumen utang keuangan, financial debt instruments, loan commitments and financial
komitmen pinjaman dan jaminan keuangan yang guarantees that are classified as hold to collect/hold to
diklasifikasikan sebagai hold to collect/ hold to collect and collect and sell and have cash flows that are solely
sell dan memiliki arus kas SPPI. Kerugian kredit payments of principal and interest. Expected credit losses
ekspektasian tidak diakui untuk instrumen ekuitas yang are not recognized for equity instruments designated at
ditetapkan sebagai FVOCI. FVOCI.
Bank menggunakan model yang kompleks yang The Bank primarily uses sophisticated models that utilize
menggunakan matriks probability of default (PD), loss given the probability of default (PD), loss given default (LGD) and
default (LGD) dan exposure at default (EAD), yang exposureat default (EAD) metrics, discounted using the
didiskontokan menggunakan suku bunga efektif. effective interest rate.
- Probability of Default (PD) - Probability of Default (PD)
Probabilitas yang timbul di suatu waktu dimana debitur The probability at a point in time that a counterparty will
mengalami gagal bayar, dikalibrasikan sampai dengan default, calibrated over up to 12 months from the
periode 12 bulan dari tanggal laporan (Stage 1) atau reporting date (Stage 1) or over the lifetime of the
sepanjang umur (Stage 2 dan 3) dan digabungkan product (Stage 2 and 3) and incorporating the impact of
pada dampak asumsi ekonomi masa depan yang forward-looking economic assumptions that have an
memiliki risiko kredit. PD diestimasikan pada point in effect on credit risk. PD is estimated at a point in time
time dimana hal ini berfluktuasi sejalan dengan siklus that means it will fluctuate in line with the economic
ekonomi. cycle.
- Loss Given Default (LGD) - Loss Given Default (LGD)
Kerugian yang diperkirakan akan timbul dari debitur The loss that is expected to arise on default,
yang mengalami gagal bayar dengan menggabungkan incorporating the impact of relevant forward looking
dampak dari asumsi ekonomi masa depan yang relevan economic assumptions (if any), which represents the
(jika ada) dimana hal ini mewakili perbedaan antara difference between the contractual cash flows due and
arus kas kontraktual yang akan jatuh tempo dengan those that the Bank expects to receive. The Bank
arus kas yang diharapkan untuk diterima. Bank estimates LGD based on the historical recovery rates
mengestimasikan LGD berdasarkan data historis dari and considers the recovery of any collateral that is
tingkat pemulihan dan memperhitungkan pemulihan integral to the financial assets, taking into account
yang berasal dari jaminan terhadap aset keuangan forward looking economic assumptions if relevant.
dengan mempertimbangkan asumsi ekonomi di masa
depan jika relevan.
- Exposure at Default (EAD) - Exposure at Default (EAD)
Perkiraan nilai eksposur neraca pada saat gagal bayar The expected balance sheet exposure at the time of
dengan mempertimbangkan bahwa perubahan default, taking into account that expected change in
ekspektasi yang diharapkan selama masa eksposur. exposure over the lifetime of the exposure. This
Hal ini menggabungkan dampak penarikan fasilitas incorporates the impact of drawdowns of committed
yang committed pembayaran pokok dan bunga, facilities, repayments of principal and interest,
amortisasi dan pembayaran dipercepat, bersama amortization and prepayments, together with the impact
dengan dampak asumsi ekonomi masa depan jika of forward looking economic assumptions where
relevan. relevant.
Kerugian kredit ekspektasian 12 bulan (Stage 1) 12-month expected credit losses (Stage 1)
ECL diakui pada saat pengakuan awal instrumen keuangan ECL are recognised at the time of initial recognition of a
dan merepresentasikan kekurangan kas sepanjang umur financial instrument and represent the lifetime cash
aset yang timbul dari kemungkinan gagal bayar di masa shortfalls arising from possible default events up to twelve
yang akan datang dalam kurun waktu dua belas bulan sejak months into the future from the reporting date. ECL
tanggal pelaporan. ECL terus ditentukan oleh dasar ini continue to be determined on this basis until there is either
sampai timbul peningkatan risiko kredit yang signifikan pada a significant increase in the credit risk of an instrument or
instrumen tersebut atau instrumen tersebut telah mengalami the instrument becomes credit-impaired. If an instrument is
penurunan nilai kredit. Jika suatu instrumen tidak lagi no longer considered to exhibit a significant increase in
dianggap menunjukkan peningkatan risiko kredit yang credit risk, ECL will revert to being determined on a 12-
signifikan, maka ECL dihitung kembali berdasarkan basis month basis.
dua belas bulan.
22
Page 567
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan (lanjutan) financial assets (continued)
Peningkatan risiko kredit yang signifikan (Stage 2) Significant increase in credit risk (Stage 2)
Jika aset keuangan mengalami peningkatan risiko kredit If a financial asset experiences a significant increase in
yang signifikan (SICR) sejak pengakuan awal, kerugian credit risk (SICR) since initial recognition, an expected
kredit ekspektasian diakui atas kejadian gagal bayar yang credit loss provision is recognised for default events that
mungkin terjadi sepanjang umur aset. Peningkatan may occur over the lifetime of the asset. Significant
signifikan dalam risiko kredit dinilai dengan membandingkan increase in credit risk is assessed by comparing the risk of
risiko gagal bayar atas eksposur pada tanggal pelaporan default of an exposure at the reporting date to the risk of
dengan risiko gagal bayar saat pengakuan awal (setelah default at origination (after taking into account the passage
memperhitungkan perjalanan waktu dari akun tersebut). of time). Significant does not mean statistically significant
Signifikan tidak berarti signifikan secara statistik, juga tidak nor is it assessed in the context of changes in ECL.
dinilai dalam konteks perubahan dalam ECL. Perubahan Whether a change in the risk of default is significant or not
atas risiko gagal bayar dinilai signifikan atau tidak, dinilai is assessed using quantitative factors. Financial assets that
menggunakan faktor kuantitatif. Aset keuangan dengan are 30 or more days past due and not creditimpaired will
tunggakan 30 hari atau lebih dan tidak mengalami always be considered to have experienced a significant
penurunan nilai akan selalu dianggap telah mengalami increase in credit risk.
peningkatan risiko kredit yang signifikan.
Khusus untuk debitur yang terkena dampak COVID-19 dan Specifically for debtors impacted by COVID-19 and under
dalam program restrukturisasi COVID-19, maka untuk COVID-19 restructuring program, in term of the ECL
perhitungan ECL tidak secara otomatis memicu peningkatan calculation, it may not automatically trigger a significant
risiko kredit yang signifikan. increase in credit risk.
Eksposur yang mengalami penurunan nilai kredit atau Credit impaired (or defaulted) exposures (Stage 3)
gagal bayar (Stage 3)
Aset keuangan yang mengalami penurunan nilai (atau gagal Financial assets that are credit impaired (or in default)
bayar) merupakan aset yang setidaknya telah memiliki represent those that are at least 90 days past due in
tunggakan lebih dari 90 hari atas pokok dan/atau bunga. respect of principal and/or interest. Financial assets are
Aset keuangan juga dianggap mengalami penurunan nilai also considered to be credit impaired where the debtors are
kredit dimana debitur kemungkinan besar tidak akan unlikely to pay on the occurrence of one or more
membayar dengan terjadinya satu atau lebih kejadian yang observable events that have a detrimental impact on the
teramati yang memiliki dampak menurunkan jumlah estimasi estimated future cash flows of the financial asset. Loss
arus kas masa depan dari aset keuangan tersebut. provisions against credit impaired financial assets are
Cadangan kerugian penurunan nilai terhadap aset determined based on an assessment of the recoverable
keuangan yang mengalami penurunan nilai ditentukan cash flows under a range of scenarios, including the
berdasarkan penilaian terhadap arus kas yang dapat realisation of any collateral held where appropriate. The
dipulihkan berdasarkan sejumlah skenario, termasuk ECL will reflect weighted average of the scenarios based
realisasi jaminan yang dimiliki jika memungkinkan. ECL on the probability of the relevant scenario to occur. The
akan mencerminkan rata-rata tertimbang dari skenario loss provisions held represent the difference between the
berdasarkan probabilitas dari skenario yang relevan untuk present value of the cash flows expected to be recovered,
terjadi. Cadangan kerugian penurunan nilai merupakan discounted at the instrument's original effective interest
selisih antara nilai sekarang dari arus kas yang diperkirakan rate, and the gross carrying value of the instrument prior to
akan dipulihkan, didiskontokan pada suku bunga efektif any credit impairment.
awal, dan nilai tercatat bruto instrumen sebelum penurunan
nilai kredit.
Periode yang diperhitungkan ketika mengukur kerugian The period considered when measuring expected credit
kredit ekspektasian adalah periode yang lebih pendek loss is the shorter of the expected life and the contractual
antara umur ekspektasian dan periode kontrak aset term of the financial asset. The expected life may be
keuangan. Umur ekspektasian dapat dipengaruhi oleh impacted by prepayments and the maximum contractual
pembayaran dimuka dan periode kontrak maksimum melalui term by extension options. For certain revolving portfolios,
opsi perpanjangan kontrak. Untuk portofolio revolving including credit cards, the expected life is assessed over
tertentu, umur ekspektasian dinilai sepanjang periode the period that the Bank is exposed to credit risk (which is
dimana Bank terekspos dengan risiko kredit (berdasarkan based on the length of time it takes for credit facilities to be
durasi waktu yang dibutuhkan untuk fasilitas kredit ditarik), withdrawn) rather than the contractual term.
bukan sepanjang periode kontrak.
23
Page 568
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan (lanjutan) financial assets (continued)
Eksposur yang mengalami penurunan nilai kredit atau Credit impaired (or defaulted) exposures (Stage 3)
gagal bayar (Stage 3) (lanjutan) (continued)
Untuk aset yang diukur pada biaya perolehan diamortisasi, For assets measured at amortised cost, the balance sheet
saldo di neraca mencerminkan aset bruto dikurangi amount reflects the gross asset less the expected credit
kerugian kredit ekspektasian. Untuk instrumen utang dalam losses. For debt instruments held at FVOCI, the balance
kategori FVOCI, saldo di neraca mencerminkan nilai wajar sheet amount reflects the instrument's fair value, with the
dari instrumen, dengan cadangan kerugian kredit expected credit loss allowance held as a separate reserve
ekspektasian dibukukan terpisah sebagai cadangan pada within other comprehensive income.
pendapatan komprehensif lain.
Untuk menentukan kerugian kredit ekspektasian komponen- To determine the expected credit loss, these components
komponen ini akan diperhitungkan secara bersama-sama are multiplied together and discounted to the balance sheet
dan didiskontokan ke tanggal laporan keuangan date using the effective interest rate as the discount rate.
menggunakan diskonto berdasarkan suku bunga efektif.
Ketika ada sejumlah kewajiban debitur yang dianggap tidak Where any amount is considered irrecoverable, a Stage 3
bisa diselesaikan, maka cadangan kerugian penurunan nilai credit impairment provision is raised. This Stage 3
kredit Stage 3 akan dibuat. Cadangan kerugian penurunan provision is the difference between the loan carrying
nilai Stage 3 ini adalah selisih antara jumlah pinjaman yang amount and the probability weighted present value of
tercatat dan probabilitas tertimbang nilai sekarang dari estimated future cash flows, reflecting minimum 3
estimasi arus kas masa depan yang telah dihitung scenarios (among others typically the best, worst or most
menggunakan tiga skenario (antara lain dari hasil likely recovery outcomes) where the Bank assigns
penyelesaian terbaik, terburuk atau yang paling mungkin) individual probability weighting for each recovery scenario
dimana Bank akan memberikan bobot probabilitas individu that has been identified based on the workout plan for each
untuk setiap skenario pemulihan yang diidentifikasi individual debtors. The cash flows projection include
berdasarkan rencana workout untuk masing-masing debitur realisable collateral, the values used will incorporate the
individu. Proyeksi arus kas juga mencakup jaminan yang impact of forward looking economic information. The
dapat direalisasi, nilai-nilai yang digunakan akan individual circumstances of each debtor are considered
memperhitungkan dampak dari informasi ekonomi di masa when estimates future cash flows and timing of future
mendatang (forward looking) . Keadaan dari masing-masing recoveries which involve significant judgment.
debitur secara individu dipertimbangkan ketika
memperkirakan arus kas masa depan dan kapan
penyelesaian kewajiban diterima dengan memasukan unsur
pertimbangan yang signifikan.
Kerugian kredit ekspektasian atas komitmen pinjaman yang Expected credit loss on loan commitments and financial
diberikan dan jaminan keuangan diakui pada liabilitas lain- guarantees is recognised as other liabilities. Where a
lain. Jika instrumen keuangan mencakup komponen aset financial instrument includes both financial asset and an
keuangan dan komitmen yang belum ditarik dan tidak dapat undrawn commitment and it is not possible to separately
dipisahkan atas kerugian kredit ekspektasian pada identify the expected credit loss on these components,
komponen ini, jumlah kerugian kredit atas komitmen expected credit loss amounts on the loan commitment are
tersebut diakui bersamaan dengan kerugian kredit atas aset recognised together with expected credit loss amounts on
keuangan. Dalam kondisi jumlah kerugian kredit the financial asset. To the extent the combined expected
ekspektasian gabungan melebihi jumlah tercatat bruto dari credit loss exceeds the gross carrying amount of the
aset keuangan, maka kerugian kredit ekspektasian diakui financial asset, the expected credit loss is recognised as
sebagai liabilitas lain-lain. other liabilities.
24
Page 569
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan (lanjutan) financial assets (continued)
Penerimaan kembali atas aset keuangan yang telah Recoveries of written-off financial assets
dihapusbukukan
Ketika pinjaman yang diberikan tidak tertagih, pinjaman When a loan is uncollectible, it is written off against the
yang diberikan tersebut dihapusbuku dengan menjurnal related allowance for impairment loss. Such loans are
balik cadangan kerugian penurunan nilai. Pinjaman yang written off after all the necessary procedures have been
diberikan tersebut dapat dihapus buku setelah semua completed and the amount of the loss has been
prosedur yang diperlukan telah dilakukan dan jumlah determined.
kerugian telah ditentukan.
Penerimaan kembali atas aset keuangan yang telah The recoveries of written-off financial assets in the current
dihapusbukukan pada tahun berjalan dikreditkan dengan year are credited by adjusting the allowance for impairment
menyesuaikan akun cadangan kerugian penurunan nilai. losses accounts. Recoveries of written-off financial assets
Penerimaan kembali atas aset keuangan yang telah from previous years are recorded as operational income
dihapusbukukan pada tahun sebelumnya dicatat sebagai other than interest income.
pendapatan operasional selain pendapatan bunga.
e. Kas dan setara kas e. Cash and cash equivalent
Komponen kas dan setara kas meliputi kas, giro pada Bank Components of cash and cash equivalents include cash,
Indonesia, giro pada bank lain, simpanan yang sewaktu- current accounts with Bank Indonesia, current accounts
waktu bisa dicairkan dan investasi jangka pendek likuid with other banks, deposits which can be withdrawn at any
lainnya dengan jangka waktu jatuh tempo tiga bulan atau time and other short term highly liquid investments with
kurang sejak tanggal perolehan. original maturities of three months or less from the date of
acquisition.
f. Giro pada Bank Indonesia dan bank lain f. Current accounts with Bank Indonesia and other banks
Giro pada Bank Indonesia dan bank lain dinyatakan sebesar Current accounts with Bank Indonesia and other banks are
biaya perolehan diamortisasi menggunakan metode suku stated at amortised cost using the effective interest method
bunga efektif dikurangi penyisihan kerugian penurunan nilai. less allowance for impairment losses.
g. Penempatan pada Bank Indonesia dan bank lain g. Placements with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain terdiri dari Placement with Bank Indonesia and other banks consists
deposit facility, interbank call money dan deposito of deposit facility, interbank call money and time deposits.
berjangka.
Penempatan pada Bank Indonesia dinyatakan sebesar Placements with Bank Indonesia are stated at the
saldo penempatan dikurangi dengan pendapatan bunga outstanding balances net of unearned interest income.
yang ditangguhkan.
Penempatan pada bank lain dinyatakan sebesar biaya Placements with other banks are stated at amortised cost
perolehan diamortisasi menggunakan metode suku bunga using the effective interest method less allowance for
efektif dikurangi penyisihan kerugian penurunan nilai. impairment losses.
h. Efek-efek yang dibeli dengan janji dijual kembali h. Securities purchased under resale agreements
Efek-efek yang dibeli dengan janji dijual kembali (reverse Securities purchased under resale agreements (reverse
repo) disajikan sebagai sebagai aset dalam laporan posisi repo) are presented as an asset in the statement of
keuangan sebesar harga beli ditambah dengan pendapatan financial position at the purchase price added with interest
bunga yang sudah diakui tapi belum diterima. income recognised but not yet received.
Efek-efek yang dibeli dengan janji dijual kembali pada Securities purchased under resale agreements are initially
awalnya diukur pada nilai wajar ditambah biaya transaksi measured at fair value plus directly attributable transaction
yang dapat diatribusikan secara langsung, jika ada, dan costs, if any, and subsequently measured at their
selanjutnya diukur sebesar biaya perolehan diamortisasi amortised cost using the effective interest method less
dengan menggunakan metode suku bunga efektif dikurangi allowance for impairment losses.
penyisihan kerugian penurunan nilai.
25
Page 570
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
i. Efek-efek i. Marketable securities
Efek-efek yang dimiliki terdiri dari Obligasi Pemerintah dan Marketable securities consist of Government Bonds and
instrumen utang lainnya yang diperdagangkan di pasar uang other debt instruments traded in the money market and
dan pasar modal. stock exchanges.
Obligasi Pemerintah terdiri dari Obligasi Rekapitalisasi Government Bonds consist of Government Recapitalization
Pemerintah yang diterbitkan kepada Bank dan bank lainnya Bonds issued to Bank and other banks with respect to the
berkaitan dengan program rekapitalisasi Pemerintah dan recapitalization program of the Government and other
obligasi lainnya yang diterbitkan oleh Pemerintah Indonesia bonds issued by the Government of Indonesia and other
dan negara lainnya yang tidak berkaitan dengan program countries, that are not related to the recapitalization
rekapitalisasi yang diperoleh melalui pasar perdana dan program, acquired through the primary and secondary
sekunder. markets.
Setelah pengakuan awal, efek-efek untuk tujuan investasi Subsequently accounted for, depending on their respective
diukur sesuai dengan klasifikasinya masing-masing, classifications, as either measured at amortised cost or
sebagai diukur pada biaya perolehan diamortisasi atau measured at fair value through other comprehensive
diukur pada nilai wajar melalui pendapatan komprehensif income (FVOCI).
lain (FVOCI).
- Diukur pada biaya perolehan diamortisasi - Measured at amortised cost
Setelah pengakuan awal, investasi diukur pada biasa Subsequently, investment measured at amortised cost
perolehan diamortisasi dengan menggunakan metode using effective interest rate method.
suku bunga efektif.
- Diukur pada FVOCI - Measured at FVOCI
Setelah pengakuan awal, diukur pada nilai wajar Subsequently, investment carried at fair value with all
dimana keuntungan dan kerugian yang belum unrealized gains and losses arising from changes in fair
direalisasi atas perubahan nilai wajar akan diakui value recognised in other comprehensive income.
sebagai penghasilan komprehensif lain. Perubahan Changing in expected credit losses recognised in the
pada kerugian kredit ekspektasian diakui laba rugi dan profit or loss and are accumulated in equity. On
diakumulasi pada ekuitas. Pada saat penghentian derecognition, the cumulative fair value gains or losses,
pengakuan, akumulasi keuntungan atau kerugian nilai net of cumulative allowance for impairmen losses, are
wajar bersih, setelah akumulasi cadangan kerugian transferred to the profit or loss.
penurunan nilai, ditransfer ke laba rugi.
j. Pinjaman yang diberikan j. Loans
Setelah pengakuan awal, pinjaman yang diberikan diukur Subsequent to initial recognition, loans are measured at
pada biaya perolehan diamortisasi atau nilai wajar sesuai amortised cost or fair value depending on the respective
dengan klasifikasinya masing-masing. Untuk pinjaman yang classification. For loan which classified as amortised cost is
diberikan yang diklasifikasikan sebagai biaya perolehan subsequently measured using the effective interest
diamortisasi, setelah pengakuan awal diukur menggunakan method. While for loans which classified as fair value
suku bunga efektif. Sedangkan untuk pinjaman yang through profit or loss are subsequently carried at fair value,
diberikan yang diklasifikasikan sebagai FVTPL, setelah with gains or losses arising from changes in fair value are
pengakuan awal diukur pada nilai wajar dimana keuntungan recorded in net trading income.
atau kerugian atas perubahan nilai wajar dicatat pada
pendapatan transaksi perdagangan-bersih.
Bank mencatat restrukturisasi kredit bermasalah The Bank accounts for troubled debtrestructuring in
berdasarkan jenis restrukturisasi. accordance with the type of restructuring.
Dalam restrukturisasi kredit bermasalah yang dilakukan In troubled debt restructuring which involves a repossesion
dengan penerimaan aset (termasuk kepentingan ekuitas of assets (including an equity interest of the debtor), the
debitur), Bank mencatat aset tersebut (termasuk Bank records those assets (including an equity interest) at
kepentingan ekuitas) sebesar nilai wajarnya pada saat their fair values at the time of restructuring. The excess of
restrukturisasi. Kelebihan nilai tercatat pinjaman yang the carrying amount of the loans over the fair value of
diberikan di atas nilai wajar aset yang diterima setelah assets received less estimated costs to sell, is recognised
dikurangi estimasi biaya untuk menjual aset tersebut, diakui as a loss in the current year profit or loss.
sebagai kerugian dalam laba rugi tahun berjalan.
26
Page 571
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
j. Pinjaman yang diberikan (lanjutan) j. Loans (continued)
Saat arus kas kontraktual atas aset keuangan direnegosiasi When the contractual cash flows of a financial asset are
atau dimodifikasi dan renegosiasi atau modifikasi tersebut renegotiated or otherwise modified and the renegotiation or
tidak menghasilkan penghentian pengakuan aset keuangan, modification does not result in the derecognition of that
Bank menghitung ulang jumlah tercatat bruto aset keuangan financial asset, the Bank shall recalculate the gross
dan mengakui keuntungan atau kerugian yang timbul dari carrying amount of the financial asset and shall recognise a
modifikasi dalam laporan laba rugi. Jumlah tercatat bruto modification gain or loss in profit or loss. The gross
aset keuangan dihitung ulang sebagai nilai kini dari arus kas carrying amount of the financial asset shall be recalculated
kontraktual yang telah direnegosiasi atau dimodifikasi yang as the present value of the renegotiated or modified
didiskontokan dengan suku bunga efektif awal aset contractual cash flows that are discounted at the financial
keuangan. Biaya atau pendapatan jasa yang terjadi asset's original effective interest rate. Any costs or fees
mengubah jumlah tercatat aset keuangan yang telah incurred adjust the carrying amount of the modified
dimodifikasi dan diamortisasi selama sisa jangka waktu aset financial asset and are amortised over the remaining term
keuangan modifikasian tersebut. of the modified financial asset.
Pinjaman yang diberikan dihapusbukukan ketika tidak Loans are written-off when there is no realistic prospect of
terdapat prospek yang realistis mengenai pengembalian collection or when the Bank’s normal relationship with the
kredit atau hubungan normal antara Bank dan debitur telah borrowers has ceased to exist. When loans are deemed
berakhir. Kredit yang tidak dapat dilunasi dihapusbukukan uncollectible, they are written-off against the related
dengan mendebet penyisihan kerugian penurunan nilai. allowance for impairment losses. The recoveries of written-
Penerimaan kembali atas kredit yang telah dihapusbukukan, off loans, in current period is credited by adjusting the
pada periode berjalan dikreditkan dengan menyesuaikan allowance for impairment losses accounts. Recoveries of
akun penyisihan kerugian penurunan nilai. Penerimaan written-off loans from previous period are recorded as
kembali atas pinjaman yang diberikan yang telah operational incomes other than interest income.
dihapusbukukan pada periode sebelumnya dicatat sebagai
pendapatan operasional selain bunga.
k. Aset tetap k. Fixed assets
Bank menerapkan kebijakan akuntansi model revaluasi The Bank applies revaluation model as accounting policy
untuk aset tetap. Aset tetap disajikan sebesar nilai wajar, for fixed assets. Fixed assets are shown at fair value, less
dikurangi akumulasi penyusutan, kecuali untuk tanah tidak subsequent depreciation except for land which is non-
ada penyusutan. Penilaian terhadap aset tetap dilakukan depreciable. Valuation of fixed assets are performed by
oleh penilai independen eksternal yang telah memiliki external independent valuers with certain qualification.
sertifikasi. Penilaian atas aset tersebut dilakukan secara Valuations are performed with sufficient regularity to ensure
berkala untuk memastikan bahwa nilai wajar aset yang that the fair value of a revalued asset does not differ
direvaluasi tidak berbeda secara material dengan nilai materially from its carrying amount. Any accumulated
tercatatnya. Akumulasi penyusutan pada tanggal revaluasi depreciation at the date of revaluation is eliminated against
dieliminasi terhadap nilai tercatat bruto aset, dan nilai the gross carrying amount of the asset, and the net amount
netonya disajikan kembali sebesar nilai revaluasian aset is restated to the revalued amount of fixed assets.
tetap.
Jika nilai wajar dari aset yang direvaluasi mengalami If the fair value of the revalued asset change significantly, it
perubahan yang signifikan dan fluktuatif, maka perlu is necessary to revaluate on an annual basis, where as if
direvaluasi secara tahunan, sedangkan jika nilai wajar dari the fair value of the revaluated asset does not change
aset yang direvaluasi tidak mengalami perubahan yang significantly, it is necessary to revalue at a minimum every
signifikan dan fluktuatif, maka perlu dilakukan revaluasi three years.
paling kurang tiga tahun sekali.
Kenaikan nilai tercatat yang timbul dari revaluasi tanah dan Increases in the carrying amount arising on revaluation of
bangunan dicatat sebagai “Surplus Revaluasi” dan disajikan land and bulidings are recorded in “Revaluation Surplus”
sebagai “Pendapatan Komprehensif Lain”. Penurunan nilai and presented as “Other Comprehensive Income”.
tercatat yang timbul dari revaluasi dicatat sebagai beban Decreasing in carrying amount as the result of revaluation
pada tahun berjalan. Apabila aset tersebut memilki saldo is recorded as expense in the current year. If the asset has
“Surplus Revaluasi” yang disajikan sebagai “Pendapatan a balance on its “Revaluation Surplus”, loss from
Komprehensif Lain”, maka selisih penurunan nilai tercatat revaluation of fixed asset is charged to “Revaluation
tersebut dibebankan terhadap “Surplus Revaluasi” dan Surplus” which is presented as “Other Comprehensive
sisanya diakui sebagai beban tahun berjalan. Income” and the rest of the amount is charged to current
year’s expenses.
27
Page 572
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
k. Aset tetap (lanjutan) k. Fixed assets (continued)
Surplus revaluasi aset tetap yang telah disajikan dalam Revaluation surplus of fixed assets that has been
ekuitas dipindahkan langsung ke saldo laba pada saat presented in equity was transferred directly to retained
aset tersebut dihentikan pengakuannya. Hal ini meliputi earnings when the asset is derecognized. This
pemindahan sekaligus surplus revaluasi pada saat includes the transfer of revaluation surplus at a time when
penghentian atau pelepasan aset tersebut. Namun, the retirement or disposal of the asset. However, most
sebagian surplus revaluasi tersebut dapat dipindahkan of the revaluation surplus may be transferred in
sejalan dengan penggunaan aset oleh Bank. Dalam hal ini accordance with the use of the asset by the Bank. In
surplus revaluasi yang dipindahkan ke saldo laba adalah this case the revaluation surplus is transferred to
sebesar perbedaan antara jumlah penyusutan retained earnings is equal to the difference between the
berdasarkan nilai revaluasian aset dengan jumlah amount of depreciation based on the asset value
penyusutan berdasarkan biaya perolehan aset tersebut. revaluation depreciation amount based on the cost of
Pemindahan surplus revaluasi ke saldo laba tidak that asset. The transfer of revaluation surplus to retained
dilakukan melalui laporan laba rugi. earnings is not made through the income statement.
Biaya perolehan termasuk biaya penggantian bagian aset Cost includes the replacement cost of a part of the fixed
tetap saat biaya tersebut terjadi, jika memenuhi kriteria assets when the expenditure meets the criteria for
pengakuan. recognition.
Semua biaya pemeliharaan dan perbaikan yang tidak All maintenance and repair costs which do not fulfill the
memenuhi kriteria untuk dikapitalisasi diakui dalam laporan capitalization criteria, are recognized in profit or loss upon
laba rugi pada saat terjadinya. Pada setiap akhir tahun occurrence. At each financial year end, the assets residual
buku, nilai residu, umur manfaat, dan metode penyusutan values, useful lives and methods of depreciation are
ditelaah kembali dan jika sesuai dengan keadaan, reviewed, and adjusted prospectively as appropriate.
disesuaikan secara prospektif.
PSAK 236, "Penurunan Nilai Aset" mensyaratkan bahwa PSAK 236, "Impairment of Assets" requires that the
nilai tercatat aset tetap dikaji ulang setiap tanggal carrying value of fixed assets is reviewed every reporting
pelaporan, untuk menilai apakah aset tetap tersebut nilai date to assess whether the carrying value of fixed assets
tercatatnya lebih tinggi dari jumlah yang dapat diperoleh is higher than the recoverable amount of the items.
kembali (recoverable amount) dari aset tetap tersebut.
Jika nilai tercatat dari aset tetap melebihi taksiran jumlah If the carrying vaue of fixed assets exceeds the estimated
yang dapat diperoleh kembali dari aset tetap tersebut, nilai recoverable amount of the fixed assets, the carrying value
tercatat aset tetap harus diturunkan menjadi nilai yang dapat of fixed assets should be lowered to the recoverable
diperoleh kembali dari aset tetap tersebut. amount of fixed assets.
Seluruh aset tetap kecuali tanah, disusutkan dengan Fixed assets are depreciated using the straight-line
menggunakan metode garis lurus (straight-line method). method, except land.
Hak atas tanah, termasuk biaya pengurusan legal hak yang Land rights, including the legal costs incurred at initial
timbul pada awal perolehan hak atas tanah, dinyatakan acquisition of land rights, are stated at cost and not
sebesar biaya perolehan dan tidak diamortisasi. Biaya-biaya amortised. Specific costs associated with the renewal or
yang terjadi sehubungan dengan pembaharuan atau extension of land titles are deferred and amortised over the
perpanjangan hak atas tanah ditangguhkan dan diamortisasi legal term of the land rights or the estimated economic life
selama periode hak atas tanah atau taksiran masa manfaat of the land, whichever is shorter. The deferred cost are
ekonomis tanah, mana yang lebih pendek. Biaya yang presented as "Intangible Assets".
ditangguhkan tersebut disajikan sebagai "Aset
Takberwujud".
Aset dalam penyelesaian dinyatakan sebesar biaya Assets under construction are stated at cost and are
perolehan dan disajikan sebagai bagian dari “Aset Tetap”. presented as part of “Fixed Assets”. The accumulated
Akumulasi biaya perolehan meliputi biaya konstruksi dan costs include cost of construction and other direct costs.
biaya langsung lainnya. Aset dalam penyelesaian tidak Assets under construction are not depreciated and they will
disusutkan dan hanya akan direklasifikasi ke masing- only be reclassified to the appropriate fixed assets account
masing aset tetap yang bersangkutan pada saat aset when the construction is completed and the constructed
tersebut selesai dikerjakan dan siap digunakan sesuai asset is ready for its intended use.
dengan tujuannya.
28
Page 573
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
k. Aset tetap (lanjutan) k. Fixed assets (continued)
Pengakuan penyusutan dimulai ketika aset tersebut ada di Recognition of depreciation commences when an asset is
lokasi dan kondisinya dan dapat dioperasikan sebagaimana in its location and condition and capable of being operated
yang dimaksud oleh manajemen. Penyusutan aset tetap in the manner intended by management. Depreciation of
selain tanah dihitung dengan menggunakan metode saldo fixed assets, other than land, is calculated using the double
menurun kecuali bangunan menggunakan garis lurus untuk declining balance method except for buildings using the
mengalokasikan harga perolehan hingga mencapai nilai sisa straight line to allocate the purchase price up to the
sepanjang estimasi masa manfaatnya sebagai berikut: residual value over the expected useful lives as follows:
Tarif penyusutan/ Masa manfaat/
Depreciaton rates Useful life
Bangunan 5% 20 tahun/years Buildings
Peralatan kantor 25% atau/or 12,5% 4 atau/or 8 tahun/years Office equipment
Inventaris kantor 25% 4 tahun/years Office inventory
Kendaraan 25% 4 tahun/years Vehicles
Peralatan kantor dan inventaris kantor terdiri dari perabotan Office equipment and office inventory consists of furniture
dan perlengkapan, instalasi, perangkat keras komputer, and fixtures, installation, computer hardware,
peralatan komunikasi dan peralatan kantor lainnya. communication and other office equipment.
Semua biaya yang terjadi sehubungan dengan perolehan All costs incurred in connection with the acquisition of land
hak atas tanah, diakui sebagai biaya perolehan hak atas right are recognized as the acquisition cost of land right.
tanah. Biaya pengurusan legal hak atas tanah ketika tanah The legal cost incurred when the land was first acquired is
diperoleh pertama kali diakui sebagai bagian dari biaya recognized as part of the acquisition cost of land right.
perolehan aset tanah. Biaya pengurusan perpanjangan atau Extension or renewal of the maintenance cost of legal
pembaruan legal hak atas tanah diakui sebagai aset tak rights over land is recognized as an intangible asset and
berwujud dan diamortisasi sepanjang umur hukum hak atau amortized over the life of legal rights or economic life of the
umur ekonomis tanah, mana yang lebih pendek. land, whichever is shorter.
Hak atas tanah tidak disusutkan kecuali terdapat bukti Land right is not depreciated unless there is contrary
sebaliknya yang mengindikasikan bahwa perpanjangan atau evidence indicating that the extension or renewal of land
pembaruan hak atas tanah kemungkinan besar atau pasti right is likely or definitely not obtainable.
tidak diperoleh.
Apabila nilai tercatat aset lebih besar dari nilai yang dapat When the carrying amount of an asset is greater than its
diperoleh kembali, nilai tercatat aset diturunkan menjadi estimated recoverable amount, it is written down to its
sebesar nilai yang dapat diperoleh kembali, yang ditentukan recoverable amount, which is determined as the higher of
sebagai nilai tertinggi antara harga jual neto dan nilai yang the net selling price or value in use.
dipakai.
Apabila aset tetap tidak digunakan lagi atau dijual, maka When fixed assets are retired or disposed of, their costs
nilai perolehan dan akumulasi penyusutannya dihapuskan and the related accumulated depreciation are derecognized
dari akun tersebut. Keuntungan atau kerugian yang terjadi from the accounts. Any resulting gain or loss is recognized
diakui dalam laporan laba rugi. in profit or loss.
Akumulasi biaya konstruksi aset tetap dikapitalisasi dan The accumulated costs of construction of fixed assets are
dicatat sebagai “Aset dalam Penyelesaian”. Biaya tersebut capitalized and recognized as “Assets under construction”.
direklasifikasi ke akun aset tetap yang terkait pada saat These costs are reclassified to the related fixed asset
proses konstruksi atau pemasangan telah selesai. account when the construction or installation is completed.
Pada saat inspeksi yang signifikan dilakukan, biaya inspeksi When a significant inspection of the asset is performed, the
itu diakui ke dalam jumlah tercatat (carrying amount) aset cost of inspection is capitalised as part of the replacement
tetap sebagai suatu penggantian jika memenuhi kriteria cost of the asset’s carrying amount, if the criteria for
pengakuan. Semua biaya pemeliharaan dan perbaikan yang recognition are met. All maintenance and repair costs
tidak memenuhi kriteria pengakuan diakui dalam laporan which do not fulfil the capitalisation criteria, are recognised
laba rugi pada saat terjadinya. Pada setiap akhir tahun in profit or loss upon occurrence. At each financial year
buku, nilai residu, umur manfaat, dan metode penyusutan end, the assets’ residual values, useful lives and methods
ditelaah kembali dan jika sesuai dengan keadaan, of depreciation are reviewed, and adjusted prospectively as
disesuaikan secara prospektif. appropriate.
29
Page 574
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
k. Aset tetap (lanjutan) k. Fixed assets (continued)
Jumlah tercatat aset tetap dihentikan pengakuannya pada An item of fixed assets is derecognised upon disposal or
saat dilepaskan atau saat tidak ada manfaat ekonomis when no future economic benefits are expected from its
masa depan yang diharapkan dari penggunaan atau use or disposal. Any gain or loss arising from the
pelepasannya. Laba atau rugi yang timbul dari penghentian derecognition of the asset (calculated as the difference
pengakuan aset (dihitung dari selisih antara jumlah neto between the net disposal proceeds and the carrying
hasil pelepasan dan jumlah tercatat dari aset) diakui dalam amount of the asset) is recognised in profit or loss in the
laporan laba rugi pada tahun yang sama ketika aset year the asset is derecognised.
tersebut dihentikan pengakuannya.
l. Aset takberwujud l. Intangible assets
Aset takberwujud terdiri dari perangkat lunak. Aset Intangible assets consist of software. Intangible assets
takberwujud diakui jika, dan hanya jika, biaya perolehan is recognised only when its cost can be measured reliably
aset tersebut dapat diukur secara andal dan and it is probable that expected future benefits that are
kemungkinan besar Bank akan memperoleh manfaat attributable to it will flow to the Bank.
ekonomis masa depan dari aset tersebut.
Perangkat lunak yang bukan merupakan bagian integral dari Software which is not an integral part of a related hardware
perangkat keras yang terkait dicatat sebagai aset is recorded as intangible asset and stated at carrying
takberwujud dan dinyatakan sebesar nilai tercatat, yaitu amount, which is cost less accumulated amortization.
sebesar harga perolehan dikurangi dengan akumulasi
amortisasi.
Biaya perolehan perangkat lunak terdiri dari seluruh Cost of software consists of all expenses directly
pengeluaran yang dapat dikaitkan langsung dalam attributable to the preparation of such software cost, into
persiapan perangkat lunak tersebut sehingga siap ready to be used for their intended purpose.
digunakan sesuai dengan tujuannya.
Pengeluaran setelah perolehan perangkat lunak dapat Subsequent expenditure on software is capitalized only
ditambahkan pada biaya perolehan perangkat lunak when it increases the future economic benefits of the
atau dikapitalisasi sebagai perangkat lunak hanya jika software, so that it becomes larger than originally expected
pengeluaran tersebut menambah manfaat ekonomis performance standards. Expenditure with no addition of
masa depan dari perangkat lunak yang bersangkutan future economic benefits from the software is directly
sehingga menjadi lebih besar dari standar kinerja yang recognised as expenses when incurred.
diperkirakan semula. Pengeluaran yang tidak menambah
manfaat ekonomis masa depan dari perangkat lunak
diakui sebagai beban pada saat terjadinya.
Perangkat lunak diamortisasi dengan menggunakan Software is amortized by using straight-line method over
metode garis lurus selama estimasi umur manfaatnya, the estimated useful life of software, which is 4-8 years.
yaitu 4-8 tahun.
Amortisasi perangkat lunak diakui dalam laporan laba rugi Amortization is recognised in the statements of profit or
dan penghasilan komprehensif lain, sejak tanggal perangkat loss and other comprehensive income from the date
lunak tersebut tersedia untuk dipakai sampai berakhirnya that is available for use until the economic benefits of
masa manfaat dari perangkat lunak tersebut. software is ended.
Aset takberwujud dihentikan pengakuannya jika dilepas atau An intangible asset is derecognised on disposal or when no
ketika tidak terdapat lagi manfaat ekonomi masa depan future economic benefits are expected from its use or
yang diperkirakan dari penggunaan atau pelepasannya. disposal.
30
Page 575
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
m. Aset hak guna dan liabilitas sewa m. Right of use assets and lease liabilities
Pada tanggal permulaan kontrak, Bank menilai apakah At the inception of a contract, the Bank assesses whether
kontrak merupakan atau mengandung sewa. Suatu kontrak the contract is or contains a leases. A contract is or
merupakan atau mengandung sewa jika kontrak tersebut contains a leases if the contract conveys the right to control
memberikan hak untuk mengendalikan penggunaan aset the use of an identified assets for a period of time in
identifikasian selama suatu jangka waktu untuk exchange for consideration. The Bank can choose not to
dipertukarkan dengan imbalan. Bank dapat memilih untuk recognise the right-of-use asset and lease liabilities for:
tidak mengakui aset hak-guna dan liabilitas sewa untuk:
- Sewa jangka-pendek; dan - Short term lease; and
- Sewa yang aset pendasarnya bernilai rendah. - Low value asset.
Untuk menilai apakah kontrak memberikan hak untuk To assess whether a contract conveys the right to control
mengendalikan penggunaan aset identifikasian, Bank harus the use of an identified asset, the Bank shall assess
menilai apakah: whether:
- Bank memiliki hak untuk mendapatkan secara - The Bank has the right to obtain substantially all the
substansial seluruh manfaat ekonomi dari penggunaan economic benefit from use of the asset throughout the
aset identifikasian; dan period of use; and
- Bank memiliki hak untuk mengarahkan penggunaan - The Bank has the right to direct the use of the asset.
aset identifikasian. Bank memiliki hak ini ketika Bank The Bank has described when it has a decision-making
memiliki hak untuk pengambilan keputusan yang rights that are the most relevant to changing how and
relevan tentang bagaimana dan untuk tujuan apa aset for what purpose the asset is used are predetermined:
digunakan telah ditentukan sebelumnya:
1. Bank memiliki hak untuk mengoperasikan aset; 1. The Bank has the right to operate the asset;
2. Bank telah mendesain aset dengan cara 2. The Bank has designed the asset in a way that
menetapkan sebelumnya bagaimana dan untuk predetermine how and for what purpose it will be
tujuan apa aset akan digunakan selama periode used.
penggunaan.
Pada tanggal permulaan sewa, Bank mengakui aset hak- The Bank recognises a right-of-use asset and a leases
guna dan liabilitas sewa. Aset hak-guna diukur pada biaya liability at the leases commencement date. The right-of-use
perolehan, dimana meliputi jumlah pengukuran awal asset is initially measured at cost, which comprises the
liabilitas sewa yang disesuaikan dengan pembayaran sewa initial amount of the leases liability adjusted for any leases
yang dilakukan pada atau sebelum tanggal permulaan, payment made at or before the commencement date, plus
ditambah dengan biaya langsung awal yang dikeluarkan. any initial direct cost incurred. For the subsequent
Untuk pengukuran selanjutnya, aset hak guna dikurangi measurements, the right of use assets less the
dengan akumulasi penyusutan dan kerugian penurunan accumulated depreciation, any accumulated impairment
nilai, serta disesuaikan untuk setiap pengukuran kembali losses, and adjusted for any remeasurement of lease
liabilitas sewa. Aset hak-guna diamortisasi dengan liabilities. The right-of-use asset is amortised over the
menggunakan metode garis lurus sepanjang jangka waktu straight-line method throughout the lease term.
sewa.
Liabilitas sewa diukur pada nilai kini pembayaran sewa yang The lease liability is initially measured at the present value
belum dibayar pada tanggal permulaan, didiskontokan of the lease payments that are not paid at the
dengan menggunakan suku bunga implisit dalam sewa atau commencement date, discounted using the interest rate
jika suku bunga tersebut tidak dapat ditentukan, maka implicit in the lease or, if that right cannot be readily
menggunakan suku bunga pinjaman inkremental. Pada determined, using incremental borrowing rate. Generally,
umumnya, Bank menggunakan suku bunga pinjaman the Bank uses its incremental borrowing rate as a discount
inkremental sebagai tingkat bunga diskonto. Untuk rate. For the subsequent measurement, amount of lease
pengukuran selanjutnya, jumlah liabilitas sewa ditingkatkan liabilities increased to reflect the increasing of interest and
untuk mencerminkan pertambahan bunga dan dikurangi reduced by the lease payments. In addition, the carrying
pembayaran sewa yang dilakukan. Selain itu, jumlah amount of lease liabilities remeasured if there is a
tercatat liabilitas sewa diukur kembali jika terdapat modification, change in lease term, change of lease
modifikasi, perubahan jangka waktu sewa, perubahan payment, or changes in assessment of purchase option of
pembayaran sewa, atau perubahan dalam penilaian opsi the underlying asset.
untuk membeli aset pendasar.
31
Page 576
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
m. Aset hak guna dan liabilitas sewa (lanjutan) m. Right of use assets and lease liabilities (continued)
Pembayaran sewa dialokasikan menjadi bagian pokok dan Each leases payment is allocated between the liability and
biaya keuangan. Biaya keuangan dibebankan pada laba rugi finance cost. The finance cost is charged to profit or loss
selama periode sewa sehingga menghasilkan tingkat suku over the leases period so as to produce a constant periodic
bunga periodik yang konstan atas saldo liabilitas untuk rate of interest on the remaining balance of the liability for
setiap periode. each period.
Jika sewa mengalihkan kepemilikan aset pendasar kepada If the leases transfers ownership of the underlying asset to
Bank pada akhir masa sewa atau jika biaya perolehan aset the Bank by the end of the leases term or if the cost of the
hak-guna merefleksikan Bank akan mengeksekusi opsi beli, right-of-use asset reflects that the Bank will exercise a
maka Bank menyusutkan aset hak-guna dari tanggal purchase option, the Bank depreciates the right-of-use
permulaan hingga akhir umur manfaat aset pendasar. Jika asset from the commencement date to the end of the
tidak, maka Bank menyusutkan aset hak-guna dari tanggal useful life of the underlying asset. Otherwise, the Bank
permulaan hingga tanggal yang lebih awal antara akhir umur depreciates the right-of-use asset from the commencement
manfaat aset hak-guna atau akhir masa sewa. date to the earlier of the end of the useful life of the right-of-
use asset or the end of the leases term.
Modifikasi sewa Leases modification
Bank mencatat modifikasi sewa sebagai sewa terpisah jika: The Bank account for a leases modification as a separate
leases if both:
- modifikasi meningkatkan ruang lingkup sewa dengan - the modification increases the scope of the leases by
menambahkan hak untuk menggunakan satu aset adding the right to use one or more underlying assets;
pendasar atau lebih;
- imbalan sewa meningkat sebesar jumlah yang setara - the consideration for the leases increases by an
dengan harga tersendiri untuk peningkatan dalam ruang amount commensurate with the standalone price for
lingkup dan penyesuaian yang tepat pada harga the increase in scope and any appropriate adjustments
tersendiri tersebut untuk merefleksikan kondisi kontrak to that standalone price to reflect the circumstances of
tertentu. the particular contract.
n. Penurunan nilai aset non-keuangan n. Impairment of non-financial assets
Bank menerapkan PSAK 236, "Penurunan Nilai Aset". Bank implemented PSAK 236, "Impairment of Assets". The
Penerapan PSAK ini tidak menimbulkan perubahan yang adoption of the PSAK has no significant impact on the
besar terhadap laporan keuangan. financial reporting and disclosures in the financial
statements.
Pada setiap akhir periode pelaporan, Bank menilai apakah The Bank assesses at each annual reporting period
terdapat indikasi suatu aset mengalami penurunan nilai. Jika whether there is an indication that an asset may impaired.
terdapat indikasi tersebut, maka Bank akan membuat If any such indication exists, Bank makes an estimate of
estimasi atas jumlah terpulihkan aset tersebut. the asset's recoverable amount.
Nilai tercatat aset non-keuangan ditelaah untuk penurunan The carrying values of non-financial assets are reviewed
nilai apabila terdapat kejadian atau perubahan keadaan for impairment whenever events or changes in
yang mengindikasikan bahwa nilai tercatat suatu aset tidak circumstances indicate that the carrying amount of an
dapat dipulihkan. Jika ada indikasi seperti itu dan nilai asset may not be recoverable. If such indication exists and
tercatat suatu aset melebihi taksiran jumlah terpulihkan, where the carrying amount of an asset exceeds the
aset atau unit penghasil kas diturunkan nilainya ke jumlah estimated recoverable amount, the assets or cash-
terpulihkan. Taksiran jumlah terpulihkan aset adalah yang generating units are written down to their recoverable
lebih tinggi dari nilai wajar aset dan nilai pakai. amount. The estimated recoverable amount of an asset is
the higher of an asset's fair value and value-in-use.
Nilai wajar adalah nilai yang diperoleh dari penjualan aset The fair value is the amount obtainable from the sale of an
dalam transaksi yang wajar dikurangi biaya penjualan asset in an arm's length transaction less costs of disposal
sedangkan nilai pakai adalah nilai kini dari estimasi arus kas while value-in-use is the present value of estimated future
masa mendatang yang diharapkan muncul dari penggunaan cash flows expected to arise from the continuing use of an
aset secara terus menerus dan dari penjualannya pada asset and from its disposal at the end of its useful life. For
akhir masa pakainya. Untuk aset yang tidak menghasilkan an asset that does not generate largely independent cash
arus kas masuk independen yang besar, jumlah terpulihkan inflows, the recoverable amount is determined for the cash-
ditentukan untuk unit penghasil kas terkait aset tersebut. generating unit to which the asset belongs. Impairment
Rugi penurunan nilai diakui dalam laporan laba rugi. losses are recognised in profit or loss.
32
Page 577
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
n. Penurunan nilai aset non-keuangan (lanjutan) n. Impairment of non-financial assets (continued)
Dalam membuat taksiran nilai pakai, estimasi arus kas In assessing value-in-use, the estimated future cash flows
masa mendatang didiskontokan ke nilai sekarang dengan are discounted to their present value using a pre-tax
menggunakan tingkat diskonto sebelum pajak yang discount rate that reflects current market assessments of
mencerminkan penilaian pasar saat ini dari nilai waktu dari the time value of money and the risks specific to the asset.
uang dan risiko spesifik untuk aset.
Untuk aset non-keuangan tidak termasuk aset takberwujud For non-financial assets excluding intangible assets with
dengan masa manfaat tidak terbatas, penilaian dilakukan indefinite useful life, an assessment is made at each
pada setiap tanggal pelaporan, apakah ada indikasi bahwa reporting date as to whether there is any indication that
kerugian penurunan nilai yang sebelumnya diakui mungkin previously recognised impairment losses may no longer
tidak lagi ada atau mungkin telah menurun. Jika indikasi exist or may have decreased. If such indication exists, the
tersebut terjadi, jumlah terpulihkan diperkirakan. Rugi recoverable amount is estimated. A previously recognised
penurunan nilai yang diakui sebelumnya dibalik hanya jika impairment loss is reversed only if there has been a
telah terjadi perubahan dalam estimasi yang digunakan change in the estimates used to determine the asset's
untuk menentukan jumlah terpulihkan aset sejak rugi recoverable amount since the last impairment loss was
penurunan nilai terakhir diakui. Jika ini kasusnya, jumlah recognised. If that is the case, the carrying amount of the
tercatat aset meningkat menjadi jumlah terpulihkan tersebut. asset is increased to its recoverable amount. That
Jumlah peningkatan tersebut tidak dapat melebihi nilai increased amount cannot exceed the carrying amount that
tercatat yang telah ditentukan, setelah dikurangi penyusutan would have been determined, net of depreciation or
atau amortisasi, sehingga seolah-olah kerugian penurunan amortisation, had no impairment loss been recognised for
nilai yang diakui untuk aset tahun-tahun sebelumnya tidak the asset in prior years.
pernah terjadi.
Pembalikan tersebut diakui dalam laporan laba rugi kecuali Such reversal is recognised in profit or loss unless the
aset dicatat pada nilai revaluasi, yang mana pembalikan asset is carried at revalued amount, in which case the
diperlakukan sebagai peningkatan revaluasi. Setelah reversal is treated as a revaluation increase. After such a
pembalikan itu, beban penyusutan atau amortisasi reversal, the depreciation or amortisation expense is
disesuaikan dalam tahun-tahun mendatang untuk adjusted in future years to allocate the asset's revised
mengalokasikan jumlah revisi nilai tercatat aset, dikurangi carrying amount, less any residual value, on a systematic
nilai sisa, secara sistematis atas sisa manfaatnya. basis over its remaining useful life.
Aset takberwujud dengan masa manfaat tidak terbatas diuji Intangible assets with indefinite useful lives are tested for
untuk penurunan nilai setiap tahun baik secara individu impairment annually either individually or at the cash
maupun di tingkat unit penghasil kas mana yang sesuai dan generating unit level as appropriate and when
ketika keadaan mengindikasikan bahwa nilai tercatat circumstances indicate that the carrying value may be
mungkin mengalami penurunan nilai. impaired.
o. Aset lain-lain o. Other assets
Aset lain-lain terdiri dari piutang bunga, biaya dibayar di Other assets consist of interest receivables, prepaid
muka, tagihan lainnya, agunan yang diambil alih (AYDA), expenses, other receivables, foreclosed assets, security
setoran jaminan, persediaan barang cetakan dan lain-lain. deposits, inventories, stationery and printed form and
others.
Beban dibayar di muka diamortisasi selama masa manfaat Prepaid expenses are amortised over their beneficial
masing-masing biaya dengan menggunakan metode garis periods using the straight-line method.
lurus (straight-line method).
Agunan yang diambil alih (AYDA) adalah aset yang Foreclosed assets is the Bank's assets acquired, either
diperoleh Bank, baik melalui pelelangan maupun diluar through auction or outside the auction based on voluntary
pelelangan berdasarkan penyerahan secara sukarela oleh submission by the owner or on the power scheme to sell
pemilik agunan atau berdasarkan kuasa untuk menjual outside the auction of the scheme owner in the event the
diluar lelang dari pemilik agunan dalam hal debitur tidak debtor does not fulfil its obligations to the Bank. Foreclosed
memenuhi kewajibannya kepada Bank. AYDA merupakan assets is given credit guarantees have been taken over as
jaminan pinjaman yang diberikan yang telah diambil alih part of the solution given and presented in "Other assets".
sebagai bagian dari penyelesaian pinjaman yang diberikan
dan disajikan pada “Aset lain-lain“.
33
Page 578
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
o. Aset lain-lain (lanjutan) o. Other assets (continued)
AYDA diakui sebesar nilai neto yang dapat direalisasi atau Foreclosed collaterals are stated at net realizable value or
sebesar nilai outstanding pinjaman yang diberikan, mana stated at loan outstanding amount, whichever is lower. Net
yang lebih rendah. Nilai neto yang dapat direalisasi adalah realizable value is the fair value of the foreclosed collaterals
nilai wajar agunan yang diambil alih dikurangi dengan less the estimated costs to sell the assets. The excess of
estimasi biaya untuk menjual agunan tersebut. Selisih lebih loan receivable over the net realizable value of the
saldo kredit diatas nilai neto yang dapat direalisasi dari foreclosed collateral is charged to allowance for impairment
agunan yang diambil alih dibebankan ke dalam akun losses. The difference between the recorded amount of the
cadangan kerugian penurunan nilai aset. Selisih antara nilai foreclosed collateral and the proceeds from the sale of
agunan yang diambil alih dengan hasil penjualan diakui such collateral is recorded as a gain or loss at the time of
sebagai keuntungan atau kerugian pada saat penjualan. sale.
Beban-beban yang berkaitan dengan pemeliharaan AYDA Maintenance and repair costs are charged as an expense
dibebankan ke laporan laba rugi tahun berjalan pada saat in the profit or loss when incurred.
terjadinya.
Bila terjadi penurunan nilai yang bersifat permanen, maka If there is permanent decline in value, the carrying amount
nilai tercatatnya dikurangi untuk mengakui penurunan of foreclosed collaterals is written down to recognise such
tersebut dan kerugiannya dibebankan dalam laporan laba permanent decline in value. Any such write-down is
rugi. recognised in the profit or loss.
p. Liabilitas segera p. Liabilities immediately payable
Liabilitas segera merupakan liabilitas Bank yang harus Liabilities immediately payable represent obligations to
segera dibayarkan kepada pihak lain berdasarkan kontrak third parties based on contract or order by those having
atau perintah dari pihak yang mempunyai kewenangan authority that have to be settled immediately. Liabilities
untuk itu. Liabilitas segera diukur sebesar biaya perolehan immediately payable are measured at their amortised cost
diamortisasi dengan menggunakan metode suku bunga using effective interest method.
efektif.
q. Simpanan nasabah q. Deposits from customers
Simpanan nasabah adalah dana yang ditempatkan oleh Deposits from customers are the funds placed by
masyarakat kepada Bank berdasarkan perjanjian customers (excluding banks) with the Bank based on fund
penyimpanan dana. Termasuk dalam akun ini adalah giro, deposit agreements. Included in this account are current
tabungan, deposito berjangka dan bentuk lain yang accounts, saving accounts, time deposits and other forms
dipersamakan dengan itu. which are similar.
Giro merupakan simpanan nasabah yang dapat digunakan Current accounts represent customers' funds which can be
sebagai alat pembayaran, yang penarikannya dapat used as payment instruments, and which can be withdrawn
dilakukan setiap saat melalui cek, atau dengan cara by the depositors at any time through check writing, or
pemindahbukuan dengan bilyet giro atau sarana perintah transfers between accounts using bilyet giro and other
pembayaran lainnya. orders of payment or transfer.
Tabungan merupakan simpanan nasabah yang Saving accounts represent customers' funds, which can
penarikannya hanya dapat dilakukan menurut syarat only be withdrawn by the depositors under certain
tertentu yang disepakati. conditions.
Deposito berjangka merupakan simpanan nasabah yang Time deposits represent customers' funds, which can only
penarikannya hanya dapat dilakukan pada waktu tertentu be withdrawn by the depositors at specific maturities.
sesuai dengan perjanjian antara nasabah dengan Bank.
Simpanan nasabah diklasifikasikan sebagai liabilitas yang Deposits from customers are classified as liabilities
diukur pada biaya perolehan diamortisasi, yang diakui pada measured at amortised cost, which are initially recognised
nilai wajar pada pengakuan awal dan selanjutnya diukur at fair value and subsequently measured at amortised cost
pada biaya perolehan diamortisasi dengan menggunakan using the effective interest method. Amortised cost is
metode suku bunga efektif. Biaya perolehan diamortisasi calculated by taking into account any discount or premium
dihitung dengan memperhitungkan adanya diskonto atau related to the initial recognition of the deposits from
premi terkait dengan pengakuan awal simpanan nasabah customers and transaction costs that are an integral part of
dan biaya transaksi yang merupakan bagian yang tak the effective interest rate.
terpisahkan dari suku bunga efektif.
34
Page 579
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
r. Simpanan dari bank lain r. Deposits from other banks
Simpanan dari bank lain terdiri dari liabilitas terhadap bank Deposits from other banks represent liabilities to other
lain dalam bentuk tabungan, giro dan deposito berjangka. banks, in the form of saving deposits, current accounts and
time deposits.
Simpanan dari bank lain diklasifikasikan sebagai liabilitas Deposits from other banks are classified as liabilities
yang diukur pada biaya perolehan diamortisasi, yang pada measured at amortised cost, which are initially recognised
awalnya diakui pada nilai wajar pada pengakuan awal dan at fair value and are subsequently measured at amortised
selanjutnya diukur pada biaya perolehan diamortisasi cost using the effective interest method. Amortised cost is
dengan menggunakan metode suku bunga efektif. Biaya calculated by taking into account any discount or premium
perolehan diamortisasi dihitung dengan memperhitungkan related to the initial recognition of deposits from other
adanya diskonto atau premi terkait dengan pengakuan awal banks and transaction costs that are an integral part of the
simpanan dari bank lain dan biaya transaksi yang effective interest rate.
merupakan bagian yang tidak terpisahkan dari suku bunga
efektif.
s. Pinjaman yang diterima s. Borrowings
Pinjaman yang diterima merupakan dana yang diterima dari Borrowings are funds received from other bank with
bank lain dengan kewajiban pembayaran kembali sesuai payment obligation based on borrowings agreements.
dengan persyaratan perjanjian pinjaman.
Pinjaman diterima diklasifikasikan sebagai liabilitas yang Borrowings are classified as liabilities measured at
diukur pada biaya perolehan diamortisasi, yang pada amortized cost which are initially recognized at fair value
awalnya dinyatakan sebesar nilai wajar dan kemudian and subsequently measured at amortized cost using the
dinyatakan sebesar biaya perolehan diamortisasi dengan effective interest rate method. Amortized cost is calculated
menggunakan metode suku bunga efektif. Biaya perolehan by taking into account any discount or premium related to
diamortisasi dihitung dengan memperhitungkan adanya the initial recognition of borrowings and transaction costs
diskonto atau premi terkait dengan pengakuan awal that are an integral part of the effective interest rate.
pinjaman diterima dan biaya transaksi yang merupakan
bagian yang tidak terpisahkan dari suku bunga efektif.
t. Modal saham t. Share capital
Modal saham diukur dengan nilai nominal untuk seluruh Share capital is measured at par value for all shares issued
saham yang diterbitkan dan diklasifikasikan sebagai bagian and is classified as part of "Equity". Incremental costs
dari "Ekuitas". Biaya tambahan yang terkait langsung directly attributable to the issuance of new shares are
dengan penerbitan saham baru dikurangkan terhadap deducted against share capital.
modal saham.
Saham treasuri Treasury stock
Ketika Bank membeli modal saham ekuitas (saham When Bank purchases the equity share capital (treasury
treasuri), imbalan yang dibayar, termasuk biaya tambahan shares), the consideration paid, including any directly
yang secara langsung dapat diatribusikan (dikurangi pajak attributable incremental costs (net of income taxes) is
penghasilan) dikurangkan dari ekuitas yang diatribusikan deducted from equity attributable to the Bank’s equity
kepada pemilik ekuitas Bank sampai saham tersebut holders until the shares are cancelled or reissued. Where
dibatalkan atau diterbitkan kembali. Ketika saham biasa such ordinary shares are subsequently reissued, any
tersebut selanjutnya diterbitkan kembali, imbalan yang consideration received, net of any directly attributable
diterima, dikurangi biaya tambahan transaksi yang terkait incremental transaction costs and the related income tax
dan dampak pajak penghasilan yang terkait dimasukkan effects, is included in equity attributable to the Bank’s
kepada ekuitas yang dapat diatribusikan kepada pemilik equity holders.
ekuitas Bank.
u. Saldo laba u. Retained earnings
Saldo laba merupakan saldo kumulatif laba atau rugi bersih, Retained earnings represent the cumulative balance of net
distribusi dividen, penyesuaian periode sebelumnya, efek income or loss, dividend distributions, prior period
dari perubahan kebijakan akuntansi dan penyesuaian modal adjustments, effects of changes in accounting policy and
lainnya. other capital adjustments.
35
Page 580
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
v. Pengakuan pendapatan dan beban bunga v. Interest income and expense recognition
Pendapatan bunga atas aset keuangan baik yang diukur Interest income for financial assets held at either fair value
dengan nilai wajar melalui penghasilan komprehensif lain through other comprehensive income or amortised cost
atau biaya perolehan diamortisasi dan beban bunga atas and interest expense on all financial liabilities held at
seluruh liabilitas keuangan yang diukur dengan biaya amortised cost are recognised in profit or loss using the
perolehan diamortisasi, diakui pada laba rugi berdasarkan effective interest method.
suku bunga efektif.
Pendapatan bunga atas aset keuangan yang diukur dengan Interest income for financial assets that are either held at
nilai wajar melalui penghasilan komprehensif lain atau biaya fair value through other comprehensive income or
diamortisasi yang mengalami penurunan nilai setelah amortised cost that have become credit impaired
pengakuan awal (Stage 3) diakui berdasarkan suku bunga subsequent to initial recognition (Stage 3) is recognised
efektif kredit yang disesuaikan. Tingkat bunga ini dihitung using the credit adjusted effective interest rate. This rate is
dengan cara yang sama dalam perhitungan suku bunga calculated in the same manner as the effective interest rate
efektif kecuali bahwa cadangan kerugian kredit except that expected credit losses are included in the
ekspektasian dimasukkan dalam arus kas ekspektasian. expected cash flows. Interest income is therefore
Oleh karenanya, pendapatan bunga diakui atas aset recognised on the amortised cost of the financial asset
keuangan dalam klasifikasi biaya perolehan diamortisasi including expected credit losses. Should the credit risk on a
termasuk kerugian kredit ekspektasian. Dalam kondisi risiko Stage 3 financial asset improve such that the financial
kredit atas aset keuangan Stage 3 mengalami perbaikan asset is no longer considered credit impaired, interest
sehingga aset keuangan tidak lagi dipertimbangkan income recognition reverts to a computation based on the
mengalami penurunan nilai, pengakuan pendapatan bunga rehabilitated the carrying value of the financial asset gross.
dihitung berdasarkan nilai tercatat bruto aset keuangan.
w. Pendapatan dan beban provisi dan komisi w. Fees and commission income and expense
Pendapatan dan beban provisi dan komisi atas aset dan Fees and commissions income and expense of financial
liabilitas keuangan yang merupakan bagian dari suku bunga assets and liabilities, which are an integral part of the
efektif, dimasukkan dalam perhitungan suku bunga efektif. effective interest rate are being taken into account in
Pendapatan dan beban ini diamortisasi sepanjang umur calculating the effective interest rate. These income and
aset atau liabilitas keuangan, atau selama periode risiko. expense are amortised during the life of financial assets or
liabilities or during the period of the risk.
Provisi dan komisi yang tidak berkaitan dengan kegiatan Commissions and fees not related to lending activities or
perkreditan dan atau jangka waktu perkreditan, atau loan periods, or not material are recognised as revenues
jumlahnya tidak material diakui sebagai pendapatan atau and expenses at the time the transactions occur.
beban pada saat terjadinya transaksi.
Pendapatan provisi dan komisi yang berkaitan dengan kredit Fees and commission income related to lending activities
diakui sebagai bagian dari pendapatan bunga. are recognised as part of interest income.
x. Perpajakan x. Taxation
Perlakuan akuntansi atas pajak penghasilan sesuai dengan Accounting treatment for income tax is in accordance with
PSAK 212 “Pajak Penghasilan”. PSAK 212 “Income Tax”.
Beban pajak kini ditentukan berdasarkan laba kena pajak Current tax expense is determined based on the taxable
dalam periode yang bersangkutan yang dihitung income for the year computed using the prevailing tax rates
berdasarkan tarif pajak yang berlaku atau yang secara or substantively enacted at the reporting date.
substansial telah berlaku pada tanggal pelaporan.
Aset dan liabilitas pajak tangguhan diakui atas konsekuensi Deferred tax assets and liabilities are recognised for the
pajak periode mendatang yang timbul dari perbedaan future tax consequences attributable to the differences
jumlah tercatat aset dan liabilitas menurut laporan keuangan between the financial statement carrying amounts of
dengan dasar pengenaan pajak aset dan liabilitas. Liabilitas existing assets and liabilities and their respective tax
pajak tangguhan diakui untuk semua perbedaan temporer bases. Deferred tax liabilities are recognised for all taxable
kena pajak dan aset pajak tangguhan diakui untuk temporary differences and deferred tax assets are
perbedaan temporer yang boleh dikurangkan dan rugi fiskal recognised for deductible temporary differences and carry
yang belum dikompensasikan, sepanjang besar forward tax benefit of unused fiscal losses as long as the
kemungkinan dapat dimanfaatkan untuk mengurangi laba probable taxable income will be available in future periods
kena pajak pada masa datang. against the deductible and carry forward tax benefit.
36
Page 581
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
x. Perpajakan (lanjutan) x. Taxation (continued)
Pajak tangguhan diukur dengan menggunakan tarif pajak Deferred tax is calculated at the tax rates that have been
yang berlaku atau secara substansial telah berlaku pada enacted or substantively enacted at statement of financial
tanggal laporan posisi keuangan. Pajak tangguhan position date. Deferred tax is charged to or credited in the
dibebankan atau dikreditkan dalam laporan laba rugi dan statements of profit or loss and other comprehensive
penghasilan komprehensif lain kecuali pajak tangguhan income, except when it relates to items charged to or
yang dibebankan atau dikreditkan langsung ke ekuitas. credited directly in equity, the deferred tax is also charged
to or credited directly in equity.
Aset dan liabilitas pajak tangguhan disajikan di laporan Deferred tax assets and liabilities are presented in the
posisi keuangan, atas dasar kompensasi sesuai dengan statements of financial position in the same manner the
penyajian aset dan liabilitas pajak kini. current tax assets and liabilities are presented.
Perubahan terhadap kewajiban perpajakan dicatat ketika Amendments to tax obligations are recorded when an
surat ketetapan diterima atau, jika Bank mengajukan assessment is received or, if appealed against by the
banding, ketika hasil banding telah ditetapkan. Bank, when the result of the appeal is determined.
y. Imbalan kerja y. Employee benefits
Bank memberikan imbalan pasca kerja imbalan pasti untuk The Bank provides defined benefit post-employment
karyawan sesuai dengan Peraturan Perusahaan dan benefits for employees in accordance with Company
Undang-Undang No.6 Tahun 2023 pengganti Undang- Regulations and Law No.6 of 2023 replacing Law No.11 of
Undang No.11 Tahun 2020 tentang Cipta Kerja dan 2020 on Job Creation and Government Regulation No.35
Peraturan Pemerintah No.35 Tahun 2021. of 2021.
Beban atas pemberian imbalan dalam program imbalan The cost of providing benefits under the defined benefits
manfaat pasti ditentukan dengan metode Projected Unit plan is determined using the Projected Unit Credit method.
Credit.
Liabilitas neto imbalan kerja yang diakui dalam laporan The net liability for post-employment benefits recognized in
posisi keuangan berkaitan dengan program imbalan pasti the statement of financial position related to defined benefit
dihitung sebesar nilai kini dari estimasi imbalan yang akan plans, are carried at the present value of estimated
diperoleh karyawan di masa depan sehubungan dengan employee benefit in the future related to the services in the
jasa di masa sekarang dan masa lalu, dikurangi dengan nilai present and the past, less the fair value of plan assets.
wajar dari aset program.
Nilai kini kewajiban imbalan pasti ditentukan dengan The present value of the defined benefit obligation is
mendiskontokan estimasi arus kas keluar di masa depan determined by discounting the estimated cash outflows in
dengan menggunakan tingkat bunga obligasi pemerintah, future using interest rates of government bonds, which are
yang didenominasi dalam mata uang dimana manfaat akan denominated in the currency in which the benefits will be
dibayarkan dan yang mempunyai jangka waktu sampai paid and that have a term to maturity nearest the period of
dengan jatuh tempo mendekati jangka waktu kewajiban related post-employment benefit obligations. Government
imbalan pasca kerja terkait. Obligasi pemerintah digunakan bonds are used because there is no active market for high
karena tidak ada pasar aktif untuk obligasi korporat quality corporate bonds.
berkualitas tinggi.
Aset program adalah aset yang dimiliki oleh program Plan assets are assets held by the pension plan. These
pensiun. Aset ini diukur pada nilai wajar pada akhir periode assets are measured at fair value at the end of the
pelaporan. reporting period.
Pengukuran kembali, terdiri dari keuntungan dan kerugian Remeasurement, consisting of actuarial gains and losses,
aktuarial, dampak batas atas aset, tidak termasuk jumlah the impact of limitation of assets, excluding the amounts in
yang dimasukkan dalam bunga neto atas liabilitas imbalan net interest on the net defined benefit obligation and the
pasti neto dan imbal hasil aset program (tidak termasuk yield of the plan assets (excluding amounts in net interest
jumlah yang dimasukkan dalam bunga neto atas liabilitas on the net defined benefit liability), are recognized in equity
imbalan pasti neto), diakui pada ekuitas melalui penghasilan through other comprehensive income in the period
komprehensif lain pada periode terjadinya. Pengukuran incurred. Remeasurement is not classified to profit or loss
kembali tidak diklasifikasikan ke laba rugi di periode in subsequent periods.
selanjutnya.
37
Page 582
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
y. Imbalan kerja (lanjutan) y. Employee benefits (continued)
Biaya jasa lalu diakui di laba rugi pada tanggal yang lebih Past service costs are recognized in profit or loss on an
awal antara: earlier date between:
a. ketika amandemen atau kurtailmen program terjadi; dan a. when the amendments or curtailment program occurs;
and
b. ketika Bank mengakui biaya restrukturisasi terkait atau b. when the Bank recognized a related restructuring
manfaat penghentian. charges or termination benefits.
Bunga neto dihitung dengan mengalikan liabilitas (aset) Net interest is calculated by multiplying the net liability
imbalan pasti neto dengan tingkat diskonto. Laba atau rugi (asset) of defined benefit by the discount rate used to
kurtailmen diakui apabila terdapat komitmen untuk measure the employee benefit obligation, each as at the
melakukan pengurangan jumlah karyawan dalam jumlah beginning of the annual period. Gain or loss of curtailment
yang material yang ditanggung oleh suatu program atau is recognized when there is a commitment to reduce the
apabila terdapat perubahan ketentuan-ketentuan pada number of employees significantly covered by a program or
suatu program imbalan pasti, dimana bagian yang material when there are changes in regulation in a defined benefit
dari jasa yang diberikan karyawan pada masa depan tidak plan, in which the material part of the services provided by
lagi memberikan imbalan, atau memberikan imbalan yang the employee in the future no longer give employee
lebih rendah. benefits, or lower employee benefits.
Laba atau rugi penyelesaian diakui apabila terdapat Profit or loss of settlement is recognized whenever there is
transaksi yang menghapuskan semua kewajiban hukum a transaction which abolishes all legal or constructive
atau konstruktif atas sebagian atau seluruh imbalan dalam obligations on part or all of the benefits in a defined benefit
program manfaat pasti. program.
Berdasarkan Siaran Pers Dewan Standar Akuntansi Based on the Press Release issued by Dewan Standar
Keuangan (DSAK) Ikatan Akuntan Indonesia (IAI) pada April Akuntansi Keuangan (DSAK) of Ikatan Akuntan Indonesia
2022, menyebutkan bahwa PSAK 219: Imbalan Kerja (IAI) in April 2022, states that PSAK 219: Employee
paragraf 70 – 74 mensyaratkan entitas untuk Benefits paragraphs 70 – 74 requires an entity to attribute
mengatribusikan imbalan ke periode jasa berdasarkan benefits to the period of service based on the plan benefit
formula imbalan program dari tanggal ketika jasa pekerja formula from the date when employee service first leads to
pertama kali menghasilkan imbalan menurut program benefits under the plan until the date when further service
sampai tanggal ketika jasa pekerja selanjutnya tidak akan by the employee will lead to no material amount of further
menghasilkan jumlah imbalan selanjutnya yang material benefits under the plan, other then from further salary
berdasarkan program, selain dari kenaikan gaji berikutnya. increases.
z. Transaksi dengan pihak berelasi z. Transactions with related parties
Bank melakukan transaksi dengan pihak-pihak berelasi. The Bank enters into transactions with related parties. In
Dalam laporan keuangan ini, istilah pihak berelasi sesuai these financial statements, the term related parties are
dengan PSAK 224 tentang “Pengungkapan Pihak-pihak defined under PSAK 224 on “Related Party Disclosures”.
Berelasi”.
Suatu pihak dianggap berelasi dengan Bank jika: The Bank considers the following as its related parties:
(i) Suatu pihak yang secara langsung, atau tidak langsung (i) a person who, directly or indirectly through one or more
yang melalui satu atau lebih perantara, suatu pihak (a) intermediaries, (a) controls, or is controlled by, or under
mengendalikan, atau dikendalikan oleh, atau berada di common control with the Bank, (b) has significant
bawah pengendalian bersama, dengan Bank; (b) influence over the Bank or (c) has joint control over the
memiliki pengaruh signifikan atas Bank; atau (c) Bank;
memiliki pengendalian bersama atas Bank;
(ii) suatu pihak yang berada dalam kelompok usaha yang (ii) an entity which is a member of the same group as the
sama dengan Bank; Bank;
(iii) suatu pihak yang merupakan ventura bersama di mana (iii) an entity which is a joint venture of a third party in
Bank sebagai venturer; which the Bank has ventured in;
(iv) suatu pihak adalah anggota dari personil manajemen (iv) a member of key management personnel of the Bank;
kunci Bank;
(v) suatu pihak adalah anggota keluarga dekat dari individu (v) a close family member of the person described in
yang diuraikan dalam butir (i) atau (iv); clause (i) or (iv);
38
Page 583
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
z. Transaksi dengan pihak berelasi (lanjutan) z. Transactions with related parties (continued)
Suatu pihak dianggap berelasi dengan Bank jika: (lanjutan) The Bank considers the following as its related parties:
(continued)
(vi) suatu pihak adalah entitas yang dikendalikan, (vi) an entity that is controlled, jointly controlled or
dikendalikan bersama atau dipengaruhi signifikan oleh significantly influenced, directly or indirectly by the
beberapa entitas, langsung maupun tidak langsung, person described in clause (iv) or (v);
individu seperti diuraikan dalam butir (iv) atau (v);
(vii) suatu pihak adalah suatu program imbalan pasca-kerja (vii) an entity which is a post-employment benefit plan for
untuk imbalan kerja dari Bank atau entitas terkait Bank. the benefit of employees of either the Bank or an entity
related to the Bank.
Transaksi ini dilakukan berdasarkan persyaratan yang Transactions with related parties are made on terms
disetujui oleh kedua belah pihak, dimana persyaratan agreed by both parties, where such requirements may not
tersebut mungkin tidak sama dengan transaksi lain yang be the same as other transactions undertaken with third
dilakukan dengan pihak-pihak yang tidak berelasi. parties.
Seluruh transaksi dan saldo yang material dengan pihak- All material transactions and balances with related parties
pihak berelasi diungkapkan dalam catatan atas laporan are disclosed in the notes to the financial statements and
keuangan yang relevan dan rinciannya telah disajikan dalam the relevant details have been presented in note of the
catatan atas laporan keuangan (Catatan 36). financial statements (Note 36).
aa. Laba per saham aa. Earning per share
Laba per saham dasar dihitung dengan membagi laba Basic earning per share is computed by dividing net
bersih dengan jumlah rata-rata tertimbang jumlah saham income with the weighted average number of outstanding
yang beredar pada tahun berjalan. shares during the year.
Laba per lembar saham dilusian dihitung setelah melakukan Diluted earnings per share is computed after making the
penyesuaian yang diperlukan terhadap jumlah rata-rata necessary adjustments to the weighted average number of
tertimbang saham biasa yang beredar dengan asumsi common shares outstanding, assuming that all stock
bahwa semua opsi saham dilaksanakan pada saat options held at the time of publication.
penerbitan.
ab. Dividen ab. Dividend
Pembagian dividen kepada para pemegang saham Bank Dividend distribution to the Bank’s Shareholders is
diakui sebagai sebuah liabilitas dalam laporan keuangan recognised as a liability in the Bank financial statements in
Bank pada tahun ketika dividen tersebut disetujui oleh para the year in which the dividends are approved by the Bank’s
pemegang saham Bank. shareholders.
ac. Provisi ac. Provisions
Provisi diakui jika Bank memiliki kewajiban kini (baik bersifat Provisions are recognised when the Bank has a present
hukum maupun bersifat konstruktif) yang akibat peristiwa obligation (legal or constructive) where, as a result of a
masa lalu, besar kemungkinannya penyelesaian kewajiban past event, it is probable that an outflow of resources
tersebut mengakibatkan arus keluar sumber daya yang embodying economic benefits will be required to settle the
mengandung manfaat ekonomi dan estimasi yang andal obligation and reliable estimate can be made of the amount
mengenai jumlah kewajiban tersebut dapat dibuat. of obligation.
Provisi ditelaah pada setiap tanggal pelaporan dan Provisions are reviewed at each reporting date and
disesuaikan untuk mencerminkan estimasi terbaik yang adjusted to reflect the current best estimate. If it is no
paling kini. Jika arus keluar sumber daya untuk longer probable that an outflow of resources embodying
menyelesaikan kewajiban kemungkinan besar tidak terjadi, economic benefits will be required to settle the obligation,
maka provisi dibatalkan. the provision is reversed.
ad. Liabilitas dan aset kontinjensi ad. Contingent liabilities and assets
Liabilitas kontinjensi tidak diakui dalam laporan keuangan Contingent liabilities are not recognised in the financial
tetapi diungkapkan kecuali jika kemungkinan terjadi kecil. statements but are disclosed unless the possibility of an
Aset kontinjensi tidak diakui namun diungkapkan dalam outflow of resources embodying economic benefits is
laporan keuangan ketika adanya kemungkinan untuk remote. Contingent assets are not recognised but are
mendapatkan manfaat ekonomi. disclosed in the financial statement when an inflow of
economic benefits are probable.
39
Page 584
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
ae. Akuntansi aset dan liabilitas pengampunan pajak ae. Accounting for asset and liabilities arising from tax
amnesty
Bank menerapkan PSAK 370 mengenai Aset dan liabilitas The Bank adopted PSAK 370 tax amnesty of assets and
pengampunan pajak. Aset (liabilitas) pengampunan pajak liabilities. Assets (liabilities) are tax amnesty assets
adalah Aset (liabilitas) yang timbul dari pengampunan pajak (liabilities) arising from tax amnesty based on the
berdasarkan Surat keterangan Pengampunan Pajak. Aset Certificate of Tax Amnesty. Assets of tax amnesty
pengampunan pajak diakui sebesar biaya perolehan aset recognized at cost of the tax amnesty assets. Liabilities of
Pengampunan Pajak. Liabilitas pengampunan pajak diakui tax amnesty are recognized at the contractual obligation to
sebesar kewajiban kontraktual untuk menyerahkan kas atau deliver cash or cash equivalents to settle the obligations
setara kas untuk menyelesaikan kewajiban yang berkaitan directly related to the acquisition of tax amnesty assets.
langsung dengan perolehan aset pengampunan pajak. Bank The Bank recognizes the difference between assets and
mengakui selisih antara aset pengampunan pajak dan liabilities of tax amnesty as part of additional paid in capital
liabilitas pengampunan pajak sebagai bagian dari tambahan in the equity. Redemption money paid is recognized in the
modal disetor pada ekuitas. Uang tebusan yang dibayarkan statement of profit or loss in the period the certificate of tax
diakui dalam laporan laba rugi pada periode disampaikan amnesty is approved. The subsequent measurement of
surat pernyataan. Pengukuran setelah pengukuran awal assets and liabilities of tax amnesty refers to the relevant
atas aset dan liabilitas pengampunan pajak mengacu pada accounting standards. Assets from the tax amnesty were
Standar Akuntansi Keuangan yang relevan. Aset recorded in fixed assets and additional paid-in capital
pengampunan pajak dicatat pada akun aset tetap dan account (Note 25).
tambahan modal disetor (Catatan 25).
af. Informasi segmen af. Segment information
Segmen adalah bagian yang dapat dibedakan dari Bank A segment is a distinguishable part of the Bank that is
yang terlibat baik dalam menyediakan produk tertentu engaged either in providing certain products (business
(segmen usaha), maupun dalam menyediakan produk segment), or in providing products within a particular
dalam lingkungan ekonomi tertentu (segmen geografis), economic environment (geographical segment), which is
yang memiliki risiko dan imbalan yang berbeda dengan subject to risks and rewards that are different from other
segmen lainnya. segments.
Pendapatan, beban, hasil, aset dan liabilitas segmen Revenues, expenses, results, assets and liabilities of the
mencakup item-item yang dapat diatribusikan langsung segment include items directly attributable to a segment as
kepada suatu segmen serta hal-hal yang dapat dialokasikan well as those that can be allocated on a reasonable basis
dengan dasar yang sesuai kepada segmen tersebut. to that segment.
Bank menyajikan segmen operasi berdasarkan laporan The Bank presents operating segments based on internal
internal yang disajikan kepada pengambil keputusan reports that are presented to the chief operating decision
operasional yaitu Direksi. maker that is Board of Directors.
Bank telah mengidentifikasi dan mengungkapkan informasi The Bank has identified and disclosed financial information
keuangan berdasarkan kegiatan bisnis utama (segmen by major business activities (business segment) based on
usaha) berdasarkan segmen geografis. geographical segments.
Segmen geografis meliputi penyediaan jasa di dalam A geographical segment includes the provision of services
lingkungan ekonomi tertentu yang memiliki risiko serta within a particular economic environment that is subject to
tingkat pengembalian yang berbeda dengan segmen risks and returns that are different from other operating
operasi lainnya yang berada dalam lingkungan ekonomi lain. segments that are in other economic environments.
ag. Peristiwa setelah periode pelaporan ag. Events after the reporting period
Setiap peristiwa setelah periode pelaporan yang Any after the reporting period event that provides additional
menyebabkan tambahan informasi mengenai posisi information about the Bank’s financial position (adjusting
keuangan Bank (adjusting event) akan disesuaikan dalam event) is reflected in the financial statements. After the
laporan keuangan. Peristiwa setelah periode pelaporan reporting period events that are not adjusting events, if any,
yang bukan merupakan adjusting events , jika ada, akan are disclosed when material to the financial statements.
diungkapkan ketika memiliki dampak material terhadap
laporan keuangan.
40
Page 585
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING JUDGEMENTS
Dalam penyusunan laporan keuangan sesuai dengan Standar The preparation of financial statements in conformity with
Akuntansi Keuangan di Indonesia dibutuhkan estimasi dan Financial Accounting Standards in Indonesia requires the use
asumsi yang mempengaruhi: of estimates and assumptions that effects:
- nilai aset dan liabilitas dilaporkan, dan pengungkapan atas - the reported amounts of assets and liabilities, and
aset dan liabilitas kontinjensi pada tanggal laporan disclosure of contingent assets and liabilities at the date of
keuangan, the financial statements,
- jumlah pendapatan dan beban selama periode pelaporan. - the reported amounts of revenues and expenses during the
reporting period.
Walaupun estimasi ini dibuat berdasarkan pengetahuan terbaik Although these estimates are based on management's best
manajemen atas kejadian dan tindakan saat ini, hasil yang knowledge of current events and activities, actual results may
timbul mungkin berbeda dengan jumlah yang diestimasi semula. differ from those estimates.
Pertimbangan profesional dan estimasi signifikan dalam The most significant uses of the judgement and estimates in
menentukan jumlah yang diakui dalam laporan keuangan adalah determining the amounts recognised in the financial statements
sebagai berikut: are follows:
Usaha yang berkelanjutan Going concern
Manajemen Bank telah melakukan penilaian atas kemampuan The Bank's management has made an assessment of the
Bank untuk melanjutkan kelangsungan usahanya dan Bank's ability to continue as a going concern and is satisfied
berkeyakinan bahwa Bank memiliki sumber daya untuk that the Bank has the resources to continue in business for the
melanjutkan usahanya di masa mendatang. Selain itu, foreseeable future. Furthermore, the management is not aware
manajemen tidak mengetahui adanya ketidakpastian material of any material uncertainties that may cast significant doubt
yang dapat menimbulkan keraguan yang signifikan terhadap upon the Bank's ability to continue as a going concern.
kemampuan Bank untuk mempertahankan kelangsungan Therefore, the financial statements continue to be prepared on
hidupnya. Oleh karena itu, laporan keuangan telah disusun atas the going concern basis.
dasar usaha yang berkelanjutan.
Klasifikasi aset dan liabillitas keuangan Classification financial asset and liabilities
Bank menetapkan klasifikasi atas aset dan liabilitas tertentu The Bank determine the classifications of certain assets and
sebagai aset keuangan dan liabilitas keuangan dengan liabilities as financial assets and financial liabilities by judging if
mempertimbangkan apakah definisi yang ditetapkan dalam they meet the definition set forth in relevant PSAK 109 has
PSAK 109 terkait telah dipenuhi. Dengan demikian, aset been fulfill. Accordingly, the financial assets and financial
keuangan dan liabilitas keuangan diakui sesuai dengan liabilities are accounted for in accordance with the accounting
kebijakan akuntansi seperti diungkapkan pada Catatan 2c. policies disclosed in Note 2c.
Nilai wajar atas instrumen keuangan Fair value of financial instruments
Bila nilai wajar aset keuangan dan liabilitas keuangan yang Where the fair values of financial assets and financial liabilities
tercatat pada laporan posisi keuangan tidak tersedia di pasar recorded on statements of financial position cannot be derived
aktif, ditentukan dengan menggunakan berbagai teknik penilaian from active markets, they are determined using a variety of
termasuk penggunaan model matematika. Masukan (input) valuation techniques that include the use of mathematical
untuk model ini berasal dari data pasar yang bisa diamati models. The inputs to these models are derived from
sepanjang data tersebut tersedia. Bila data pasar yang bisa observable market data where possible, but where observable
diamati tersebut tidak tersedia, pertimbangan manajemen market data are not available, judgment is required to establish
diperlukan untuk menentukan nilai wajar. Pertimbangan tersebut fair values. The judgments include considerations of liquidity
mencakup pertimbangan likuiditas dan masukan model seperti and model inputs such as prepayment rates and default rate
tingkat pelunasan dipercepat dan asumsi tingkat gagal bayar. assumptions.
Bank menampilkan nilai wajar atas instrumen keuangan The Bank presents the fair value of financial instruments based
berdasarkan hirarki nilai wajar sebagai berikut: on the following fair value hierarchy:
- Tingkat 1 - nilai wajar berdasarkan harga kuotasian (tidak - Level 1 - the fair value is based quoted prices (unadjusted)
disesuaikan) dalam pasar aktif; in active markets;
- Tingkat 2 - nilai wajar yang menggunakan input selain - Level 2 - the fair value uses inputs other than quoted prices
harga kuotasian yang termasuk dalam Tingkat 1 yang dapat included within Level 1 that are observable, either directly
diobservasi, baik secara langsung (misalnya harga) atau (ie as prices) or indirectly (i.e, derived from prices); and
secara tidak langsung (misalnya diperoleh dari harga); dan
- Tingkat 3 - nilai wajar yang menggunakan input yang bukan - Level 3 - the fair value uses inputs that are not based on
berdasarkan data pasar yang dapat diobservasi (input yang observable market data (unobservable inputs).
tidak dapat diobservasi).
41
Page 586
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING (lanjutan) JUDGEMENTS (continued)
Penurunan nilai instrumen keuangan Impairment losses on financial instruments
Bank menelaah aset keuangan mereka pada nilai wajar melalui The Bank review their financial assets at fair value through
pendapatan komprehensif lain dan aset keuangan pada biaya other comprehensive income and financial assets at amortised
diamortisasi berdasarkan PSAK 109 yang mengharuskan untuk cost under PSAK 109 which required to recognise the
mengakui kerugian kredit ekspektasian pada setiap tanggal expected credit loss at each reporting date to reflect changes
pelaporan untuk mencerminkan perubahan risiko kredit dari aset in credit risk of the financial assets not at fair value through
keuangan tidak pada nilai wajar melalui laba rugi. PSAK 109 profit or loss. PSAK 109 incorporates forward-looking and
menggabungkan informasi forward-looking dan historis, terkini historical, current and forecasted information into expected
dan yang diperkirakan ke dalam estimasi kerugian kredit credit loss estimation.
ekspektasian.
Dalam melakukan peninjauan penurunan nilai, penilaian In carrying out the impairment review, the following
manajemen berikut diperlukan: management’s judgements are required:
i. Penentuan apakah aset mengalami penurunan nilai i. Determination whether the assets is impaired based on
berdasarkan indikator tertentu seperti, antara lain, kesulitan certain indicators such as, amongst others, financial
keuangan debitur, penurunan kualitas kredit; dan difficulties of the debtor’s, deterioration of the credit quality
of the debtor’s; and
ii. Penentuan umur kredit ekspektasian yang mencerminkan: ii. Determination of expected credit life that reflect:
a. Jumlah yang tidak bias dan probabilitas tertimbang a. An unbiased and probability-weighted amount that is
yang ditentukan dengan mengevaluasi kemungkinan determined by evaluating a range of possible
dari berbagai hasil; outcomes;
b. Nilai waktu dari uang; dan b. The time value of money; and
c. Informasi yang masuk akal dan dapat didukung yang c. Reasonable and supportable information that is
tersedia tanpa biaya atau usaha yang tidak semestinya available without undue cost or effort at the reporting
pada tanggal pelaporan tentang peristiwa masa lalu, date about past events, current conditions and
kondisi saat ini, dan perkiraan kondisi ekonomi masa forecasts of future economic conditions.
depan.
Penghitungan kerugian kredit ekspektasian Bank berdasarkan The Bank’s expected credit loss calculations under PSAK 109
PSAK 109 adalah keluaran dari model kompleks dengan are outputs of complex models with a number of underlying
sejumlah asumsi mendasar mengenai pilihan input variabel dan assumptions regarding the choice of variable inputs and their
saling ketergantungannya. Elemen-elemen dari model kerugian interdependencies. Elements of the expected credit loss
kredit ekspektasian yang dianggap sebagai pertimbangan dan models that are considered accounting judgements and
estimasi akuntansi meliputi: estimates include:
a. Model penilaian kredit internal, yang menetapkan probability a. Internal credit grading model, which assigns PDs to the
of default untuk tingkat individual; individual grades;
b. Kriteria penilaian jika ada peningkatan risiko kredit yang b. Criteria for assessing if there has been a significant
signifikan dan oleh karena itu cadangan untuk aset increase in credit risk and so allowances for financial
keuangan harus diukur berdasarkan kerugian kredit assets should be measured on a life time expected credit
ekspektasian sepanjang umur dan penilaian kualitatif; loss basis and the qualitative assessment;
c. Pengembangan model kerugian kredit ekspektasian, c. Development of expected credit loss models, including the
termasuk berbagai formula dan pilihan input ; various formulas and the choice of inputs;
d. Penentuan asosiasi antara skenario makroekonomi dan, d. Determination of associations between macroeconomic
input ekonomi, seperti produk domestik bruto (PDB) dan scenarios and, economic inputs, such as gross domestic
nilai agunan, dan pengaruhnya terhadap probability of product (GDP) and collateral values, and the effect on
defaults , exposure at defaults dan loss given defaults ; dan probability of defaults, exposure at defaults and loss given
defaults; and
e. Pemilihan skenario forward-looking untuk makroekonomi e. Selection of forward-looking macroeconomic scenarios and
dan bobot probabilitasnya, untuk mendapatkan input their probability weightings, to derive the economic inputs
ekonomi ke dalam model kerugian kredit ekspektasian. into the expected credit loss models.
42
Page 587
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING (lanjutan) JUDGEMENTS (continued)
Umur ekonomis aset tetap Useful life of fixed assets
Bank memperkirakan masa manfaat aset tetap berdasarkan The Bank estimate the useful lives of fixed assets based on the
periode dimana aset diharapkan akan tersedia untuk digunakan. period over which the assets are expected to be available for
Masa manfaat ekonomis aset tetap ditinjau secara berkala dan use. The estimated useful lives of fixed assets are reviewed
diperbarui jika memiliki ekspektasi yang berbeda dari perkiraan periodically and are updated if expectations differ from previous
sebelumnya, karena kerusakan secara fisik dan teknis, atau estimates due to physical wear and tear, technical or
keusangan secara komersial dan legal atau batasan lainnya commercial obsolescence and legal or other limits on the use
atas penggunaan aset tersebut. Selain hal tersebut, estimasi of the assets. In addition, estimation of the useful lives of fixed
masa manfaat dari aset tetap didasarkan pada penilaian secara assets is based on collective assessment of industry practice,
kolektif dengan menggunakan praktik industri, teknik evaluasi internal technical evaluation and experience with similar
internal dan pengalaman dengan aset serupa. Tetap assets. It is possible, however, that future results of operations
dimungkinkan, bagaimanapun, bahwa hasil masa depan dapat could be materially affected by changes in estimates brought
secara material dipengaruhi oleh perubahan estimasi yang about by changes in factors mentioned above. The amounts
disebabkan oleh perubahan faktor-faktor tersebut di atas. and timing of recorded expenses for any period would be
Jumlah dan saat pencatatan biaya untuk setiap periode akan affected by changes in these factors and circumstances. A
dipengaruhi oleh perubahan dari faktor dan keadaan saat reduction in the estimated useful lives of fixed assets would
pencatatan. Pengurangan taksiran masa manfaat dari aset tetap increase the recorded operating expenses.
akan meningkatkan beban operasional yang diakui.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Bank mengevaluasi penurunan nilai aset apabila terdapat The Bank assess impairment on assets whenever events or
kejadian atau perubahan keadaan yang mengindikasikan bahwa changes in circumstances indicate that the carrying amount of
nilai tercatat aset tidak dapat dipulihkan kembali. Faktor-faktor an assets may not be recoverable. The factors that which could
penting yang dapat menyebabkan penelaahan penurunan nilai trigger an impairment review include the following:
adalah sebagai berikut:
(i) Kinerja yang rendah secara signifikan jika dibandingkan (i) Significant underperformance relative to expected historical
dengan ekspektasi dari hasil operasi historis maupun or projected future operating results;
proyeksi hasil operasi di masa yang akan datang;
(ii) Perubahan yang signifikan dalam cara penggunaan aset (ii) Significant changes in the manner of use of the acquired
atau strategi bisnis secara keseluruhan; dan assets or the strategy for overall business; and
(iii) Tren negatif industri dan ekonomi signifikan. (iii) Significant negative industry or economic trends.
Bank mengakui kerugian penurunan nilai apabila nilai tercatat The Bank recognise an impairment loss whenever the carrying
aset melebihi nilai yang dapat dipulihkan. Jumlah terpulihkan amount of an assets exceeds its recoverable amount. The
adalah nilai yang lebih tinggi antara nilai wajar dikurangi biaya recoverable amount is the higher of an assets (or Cash
untuk menjual dengan nilai pakai aset (unit penghasil kas). Generating Unit's) fair value less costs to sell and its value in
Jumlah terpulihkan diestimasi untuk aset individual atau, jika use. Recoverable amounts are estimated for individual assets
tidak memungkinkan, untuk unit penghasil kas yang mana aset or, if it is not possible, for the Cash Generating Unit to which
tersebut merupakan bagian daripada unit tersebut. the asset belongs.
Kontinjensi Contingencies
Bank saat ini terlibat dalam beberapa kasus hukum. Estimasi Bank is currently involved in various legal proceedings. The
atas biaya yang mungkin terjadi atas penyelesaian tuntutan- estimates of the probable costs for the resolution of these
tuntutan tersebut sudah dikonsultasikan dengan penasihat dari claims has been developed in consultation with outside counsel
luar yang menangani pembelaan Bank dalam hal-hal tersebut handling the Bank’s defense on these matters and is based
dan berdasarkan analisa dari hasil yang mungkin terjadi. Bank upon an analysis of the potential results. The Bank currently
saat ini tidak yakin kalau kasus-kasus ini akan memiliki efek does not believe that these proceedings will have a material
kerugian yang material pada laporan keuangan. Bagaimanapun, adverse effect on the financial statements. It is possible,
ada kemungkinan dari hasil-hasil operasi di masa akan datang however, that future results of operations could be materially
akan terpengaruh secara material oleh perubahan dari perkiraan- affected by changes in the estimates or in the effectiveness of
perkiraan atau dalam keefektifan dari strategi yang berhubungan the strategies relating to the proceedings.
dengan kasus-kasus ini.
43
Page 588
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING (lanjutan) JUDGEMENTS (continued)
Penilaian mata uang fungsional Assessment of functional currency
Manajemen telah melakukan pertimbangan untuk menentukan The management has considered to use its judgment to
mata uang fungsional yang paling mewakili dampak ekonomi determine the entity’s functional currency such that it most
dari suatu transaksi, kejadian dan kondisi-kondisi yang relevan faithfully represents the economic effects of the underlaying
terhadap entitas. Dalam membuat pertimbangan tersebut, Bank transactions, events and conditions that are relevant to the
telah mempertimbangkan hal-hal sebagai berikut: entity. In making this judgment, the Bank has considered the
following:
1) mata uang yang mempengaruhi harga jual atas instrumen 1) the currency that mainly influences sales prices for
keuangan dan jasa-jasa lainnya (biasanya dari mata uang financial instruments and services (this will often be the
atas harga jual instrumen keuangan dan jasa-jasa yang currency in which sales prices for its financial instruments
telah diselesaikan); and services are denominated and settled);
2) mata uang atas dana yang dihasilkan dari aktivitas 2) the currency in which funds from financing activities are
pendanaan; dan generated; and
3) mata uang atas dana yang biasa diterima dari aktivitas 3) the currency in which funds from operating are usually
operasi. retained.
Asumsi utama masa depan dan sumber utama estimasi The key assumptions concerning the future and other key
ketidakpastian lain pada tanggal pelaporan yang memiliki risiko sources of estimation uncertainty at the reporting date that
signifikan yang dapat menimbulkan penyesuaian yang material have a significant risk of causing a material adjustment to the
terhadap nilai tercatat aset dan liabilitas untuk tahun keuangan carrying amounts of assets and liabilities within the next
berikutnya, diungkapkan di bawah ini. Bank mendasarkan financial year are disclosed below. The Bank based its
asumsi dan estimasinya pada parameter yang tersedia pada assumptions and estimates on parameters available when the
saat laporan keuangan disusun. Situasi yang ada dan asumsi financial statements were prepared. Existing circumstances
perkembangan masa depan, dapat berubah akibat perubahan and assumptions about future developments, may change due
pasar atau situasi yang berada di luar kendali Bank. Perubahan- to market changes or circumstances arising beyond the control
perubahan tersebut dicerminkan di dalam asumsi-asumsi terkait of the Bank. Such changes are reflected in the assumptions as
pada saat terjadinya. they occur.
Aset pajak tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas jumlah pajak penghasilan Deferred tax assets are recognized for the future recoverable
terpulihkan (recoverable) pada periode mendatang sebagai taxable income arising from temporary difference.
akibat perbedaan temporer yang boleh dikurangkan. Justifikasi Management’s judgment is required to determine the amount of
manajemen diperlukan untuk menentukan jumlah aset pajak deferred tax assets that can be recognized, based upon the
tangguhan yang dapat diakui, sesuai dengan waktu yang tepat likely timing on level of future taxable profits together with
dan tingkat laba fiskal di masa mendatang sejalan dengan future tax planning strategies (Note 19).
strategi rencana perpajakan ke depan (Catatan 19).
Pensiun Pension
Program-program pensiun ditentukan berdasarkan perhitungan Pension programs are determined based on actuarial
aktuaria. Perhitungan aktuaria menggunakan asumsi-asumsi valuation. The actuarial valuation involves assumptions such
seperti tingkat diskonto, tingkat pengembalian investasi, tingkat as discount rate expected rate of returns on investments, future
kenaikan gaji, tingkat kematian, tingkat pengunduran diri dan lain- salary increase, mortality rate, resignation rates and others
lain (Catatan 20). (Note 20).
44
Page 589
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
4. KAS 4. CASH
2025 2024
Rupiah 21.782.860.800 23.121.695.800 Rupiah
Kas yang dimiliki seluruhnya dalam mata uang Rupiah, pada Cash on hand is all in Rupiah currency, as of December 31, 2025
tanggal 31 Desember 2025 dan 2024. Saldo kas termasuk uang and 2024. Total cash includes cash in ATMs (Automatic Teller
pada ATM (Anjungan Tunai Mandiri) sebesar Rp310.750.000 dan Machines) amounting to Rp310,750,000 and Rp417,950,000.
Rp417.950.000.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
Giro pada Bank Indonesia seluruhnya dalam mata uang Rupiah. Current accounts with Bank Indonesia are denominated in
Saldo pada tanggal 31 Desember 2025 dan 2024 masing-masing Rupiah. The balance as of December 31, 2025 and 2024 are as
sebagai berikut: follows:
2025 2024
Rupiah 372.953.366.477 440.808.802.006 Rupiah
Giro Wajib Minimum (GWM) Bank sesuai dengan Peraturan Bank Minimum Statutory Reserves (GWM) Bank in accordance with
Indonesia dan Peraturan Anggota Dewan Gubernur (PADG) Bank Indonesia (BI) Regulation Regulation of Members of The
diungkapkan pada Catatan 43a. Board of Governors (PADG) are disclosed in Note 43a.
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
Tidak terdapat giro pada bank lain pada pihak berelasi. There was no current accounts with other banks with related
party.
a. Berdasarkan nama bank a. By counterparty bank
2025 2024
PT Bank Mandiri (Persero) Tbk 101.071.124 115.096.939 PT Bank Mandiri (Persero) Tbk
PT Bank JTrust Indonesia Tbk 71.551.910 108.420.644 PT Bank JTrust Indonesia Tbk
PT Bank Negara Indonesia
(Persero) Tbk 54.496.390 100.342.044 PT Bank Negara Indonesia (Persero) Tbk
PT Bank Maybank Indonesia Tbk 31.559.112 82.259.810 PT Bank Maybank Indonesia Tbk
PT Bank Central Asia Tbk 14.203.660 18.460.000 PT Bank Central Asia Tbk
PT Bank KEB Hana Indonesia 18.047.500 - PT Bank KEB Hana Indonesia
PT Bank Danamon Indonesia Tbk 6.298.472 2.236.261 PT Bank Danamon Indonesia Tbk
Jumlah 297.228.168 426.815.698 Total
- -
b. Berdasarkan kolektibilitas sesuai Peraturan OJK b. By Financial Service Authority Rule collectibility
Kolektibilitas giro pada bank lain sesuai Peraturan OJK Collectibility current accounts with other banks in accordance
diungkapkan pada Catatan 43b. with Financial Service Authority Rule are disclosed in Note
43b.
c. Tingkat suku bunga rata-rata per tahun c. Average interest rate per annum
2025 2024
Rupiah 0,46% 0,72% Rupiah
d. Perubahan penyisihan kerugian penurunan nilai d. Movements in the allowance for impairment losses
Pada tanggal 31 Desember 2025 dan 2024, giro pada bank As of December 31, 2025 and 2024, current accounts with
lain tidak mengalami kerugian penurunan nilai. Manajemen other banks are not impaired. Management believes that
berkeyakinan bahwa tidak ada penyisihan kerugian penurunan there was no allowance for impairment losses to be
nilai yang perlu diakui. recognised.
e. Informasi lain e. Other information
Tidak terdapat giro pada bank lain yang dibatasi There is no current accounts with other banks that are
penggunaannya. restricted in use.
45
Page 590
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN 7. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
Tidak terdapat penempatan pada bank lain pada pihak berelasi. There was no placements with other banks with related party.
a. Berdasarkan jenis dan nama bank a. By type and counterparty bank
2025 2024
Deposit facility Deposit facility
Bank Indonesia 340.850.000.000 100.000.000.000 Bank Indonesia
Dikurangi diskonto yang
belum diamortisasi (35.497.813) (14.579.081) Less unamortised discount
340.814.502.187 99.985.420.919
Deposito berjangka Time deposits
PT Bank KB Indonesia Tbk 300.000.000.000 - PT Bank KB Indonesia Tbk
300.000.000.000 -
Call money Call money
PT Bank Raya Indonesia Tbk - 75.000.000.000 PT Bank Raya Indonesia Tbk
PT Bank CIMB Niaga Tbk - 50.000.000.000 PT Bank CIMB Niaga Tbk
PT Bank KB Bukopin Syariah - 50.000.000.000 PT Bank KB Bukopin Syariah
PT Bank OCBS NISP Tbk - 40.000.000.000 PT Bank OCBS NISP Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk - 25.000.000.000 (Persero) Tbk
PT Bank Danamon Indonesia Tbk - 25.000.000.000 PT Bank Danamon Indonesia Tbk
- 265.000.000.000
Jumlah 640.814.502.187 364.985.420.919 Total
- -
b. Berdasarkan jangka waktu b. By maturity
2025 2024
Kurang dari 1 bulan 340.850.000.000 365.000.000.000 Less than 1 month
Lebih dari 6 - 12 bulan 300.000.000.000 - More than 6 - 12 months
Dikurangi diskonto yang
belum diamortisasi (35.497.813) (14.579.081) Less unamortised discount
Jumlah 640.814.502.187 364.985.420.919 Total
- -
c. Berdasarkan sisa umur jatuh tempo c. By remaining period to maturity
2025 2024
Kurang dari 1 bulan 340.850.000.000 365.000.000.000 Less than 1 month
Lebih dari 6 - 12 bulan 300.000.000.000 - More than 6 - 12 months
Dikurangi diskonto yang
belum diamortisasi (35.497.813) (14.579.081) Less unamortised discount
Jumlah 640.814.502.187 364.985.420.919 Total
- -
d. Berdasarkan kolektibilitas sesuai Peraturan OJK d. By Financial Service Authority Rule collectibility
Kolektibilitas penempatan pada Bank Indonesia dan bank lain Collectibility placements with Bank Indonesia and other
sesuai Peraturan OJK diungkapkan pada Catatan 43c. banks in accordance with Financial Service Authority Rule
are disclosed in Note 43c.
e. Tingkat suku bunga rata-rata per tahun e. Average interest rate per annum
2025 2024
Deposit facility 4,52% 5,34% Deposit facility
Term deposits 4,63% 5,96% Term deposits
Deposito berjangka 5,79% 7,40% Time deposits
Call money 5,47% 6,26% Call money
f. Perubahan penyisihan kerugian penurunan nilai f. Movements in the allowance for impairment losses
Pada tanggal 31 Desember 2025 dan 2024, penempatan As of December 31, 2025 and 2024, for placements with
pada Bank Indonesia dan bank lain tidak mengalami kerugian Bank Indonesia and other banks are not impaired.
penurunan nilai. Manajemen berkeyakinan bahwa tidak ada Management believes that there was no allowance for
penyisihan kerugian penurunan nilai yang perlu diakui. impairment losses to be recognised.
46
Page 591
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN 7. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
(lanjutan) (continued)
g. Informasi lain g. Other information
Pada tanggal 31 Desember 2025 dan 2024, tidak terdapat As of December 31, 2025 and 2024, there were no
penempatan pada Bank Indonesia dan bank lain yang placements with Bank Indonesia and other banks pledged
digunakan sebagai jaminan. Manajemen yakin bahwa seluruh as cash collateral. Management believes that all funds are
dana yang ditempatkan akan diterima kembali. placed to be reaccepted.
8. EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI 8. MARKETABLE SECURITIES PURCHASED UNDER RESALE
AGREEMENT
Tidak terdapat efek-efek yang dibeli dengan janji dijual kembali There were no marketable securities purchased under resale
dengan pihak berelasi. agreement with related parties.
Efek-efek yang dibeli dengan janji dijual kembali pada tanggal 31 Marketable securities purchased under resale agreement as of
Desember 2025 dan 2024 terdiri dari: December 31, 2025 and 2024 are as follows:
2025
Jenis efek- Tingkat
efek/ Tanggal jual suku Piutang bunga/
Pihak penjual/ Tanggal dimulai/ Nilai beli/ Nilai bersih/
Type of kembali/ bunga/ Interest
Counterparties Starting date Purchase amount Net amount
marketable Resale date Interest receivables
securities rate
31 Des. 2025/ 7 Jan. 2026/
Bank Indonesia VR0070 4,75% 21.744.603.296 2.869.080 21.747.472.376
Dec. 31, 2025 Jan. 7, 2026
2024
Jenis efek- Tingkat
efek/ Tanggal jual suku Piutang bunga/
Pihak penjual/ Tanggal dimulai/ Nilai beli/ Nilai bersih/
Type of kembali/ bunga/ Interest
Counterparties Starting date Purchase amount Net amount
marketable Resale date Interest receivables
securities rate
31 Des. 2024/ 7 Jan. 2025/
Bank Indonesia VR0034 6,00% 123.609.762.500 20.601.627 123.630.364.127
Dec. 31, 2024 Jan. 7, 2025
Kolektibilitas efek-efek yang dibeli dengan janji dijual kembali Collectibility of marketable securities purchased under resale
sesuai Peraturan OJK diungkapkan pada Catatan 43d. agreement in accordance with Financial Service Authority Rule
are disclosed in Note 43d.
Pada tanggal 31 Desember 2025 dan 2024, efek-efek yang dibeli As of December 31, 2025 and 2024, marketable securities
dengan janji dijual kembali tidak mengalami kerugian penurunan purchased under resale agreement are not impaired.
nilai. Manajemen berkeyakinan bahwa tidak ada penyisihan Management believes that there was no allowance for
kerugian penurunan nilai yang perlu diakui. impairment losses to be recognised.
47
Page 592
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. EFEK-EFEK 9. MARKETABLE SECURITIES
Tidak terdapat efek-efek pada pihak berelasi. There was no marketable securities with related party.
a. Berdasarkan jenis a. By type
2025 2024
Biaya perolehan diamortisasi: Amortised cost:
Surat Utang Negara 954.692.000.000 881.000.000.000 Government Bonds
Sukuk Ritel Negara 386.000.000.000 386.000.000.000 State Retail Sukuk
Obligasi korporasi 100.000.000.000 - Corporate Bonds
Sekuritas Rupiah Bank Indonesia - 85.000.000.000 Bank Indonesia Rupiah Securities
Ditambah premium
yang belum diamortisasi 25.477.141.517 21.967.756.772 Add unamortised premium
Jumlah biaya
perolehan diamortisasi 1.466.169.141.517 1.373.967.756.772 Total amortised cost
Diukur pada nilai wajar melalui Fair value through other
penghasilan komprehensif lain (FVOCI): comprehensive income (FVOCI):
Surat Utang Negara 100.000.000.000 - Government Bonds
Sekuritas Rupiah Bank Indonesia - 137.014.000.000 Bank Indonesia Rupiah Securities
Ditambah premium (diskonto) Add unamortised premium
yang belum diamortisasi 4.812.652.682 (5.525.175.755) (discount)
Laba (rugi) yang belum direalisasi 3.508.385.242 (174.957.773) Unrealised gain (loss)
Jumlah FVOCI 108.321.037.924 131.313.866.472 Total FVOCI
Dikurangi cadangan kerugian Less allowance for
kerugian penurunan nilai (30.000.000) - impairment losses
Jumlah - bersih 1.574.460.179.441 1.505.281.623.244 Total - net
- -
b. Berdasarkan jangka waktu b. By maturity
2025 2024
Kurang dari 3 bulan - Less than 3 months
Lebih dari 3 - 6 bulan - 137.014.000.000 More than 3 - 6 months
Lebih dari 6 - 12 bulan - 85.000.000.000 More than 6 - 12 months
Lebih dari 12 bulan 1.540.692.000.000 1.267.000.000.000 More than 12 months
Ditambah premium
yang belum diamortisasi 30.289.794.199 16.442.581.017 Add unamortised premium
Laba (rugi) yang belum direalisasi 3.508.385.242 (174.957.773) Unrealised gain (loss)
Jumlah 1.574.490.179.441 1.505.281.623.244 Total
Dikurangi cadangan kerugian Less allowance for
kerugian penurunan nilai (30.000.000) - impairment losses
Jumlah - bersih 1.574.460.179.441 1.505.281.623.244 Total - net
- -
c. Berdasarkan sisa umur jatuh tempo c. By remaining period
2025 2024
Kurang dari 3 bulan 21.000.000.000 - Less than 3 months
Lebih dari 3 - 6 bulan - 137.014.000.000 More than 3 - 6 months
Lebih dari 6 - 12 bulan - 85.000.000.000 More than 6 - 12 months
Lebih dari 12 bulan 1.519.692.000.000 1.267.000.000.000 More than 12 months
Ditambah premium
yang belum diamortisasi 30.289.794.199 16.442.581.017 Add unamortised premium
Laba (rugi) yang belum direalisasi 3.508.385.242 (174.957.773) Unrealised gain (loss)
Jumlah 1.574.490.179.441 1.505.281.623.244 Total
Dikurangi cadangan kerugian Less allowance for
kerugian penurunan nilai (30.000.000) - impairment losses
Jumlah - bersih 1.574.460.179.441 1.505.281.623.244 Total - net
- -
48
Page 593
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. EFEK-EFEK (lanjutan) 9. MARKETABLE SECURITIES (continued)
d. Berdasarkan penerbit dan peringkat efek-efek d. By issuers and rating of securities
2025 2024
Peringkat/ Nilai tercatat/ Nilai tercatat/ Peringkat/
Rating Carrying value Carrying value Rating
Pemerintah Government of
Republik Indonesia - 1.440.692.000.000 1.267.000.000.000 - the Republic of Indonesia
PT Bank KB Indonesia Tbk idAAA 100.000.000.000 - - PT Bank KB Indonesia Tbk
Bank Indonesia - - 222.014.000.000 - Bank Indonesia
Ditambah premium
yang belum diamortisasi 30.289.794.199 16.442.581.017 Add unamortised premium
Laba (rugi) yang belum direalisasi 3.508.385.242 (174.957.773) Unrealised gain (loss)
Jumlah 1.574.490.179.441 1.505.281.623.244 Total
Dikurangi cadangan kerugian Less allowance for
kerugian penurunan nilai (30.000.000) - impairment losses
Jumlah - bersih 1.574.460.179.441 1.505.281.623.244 Total - net
- -
e. Perubahan rugi yang belum direalisasi e. The movement of unrealized loss
Perubahan rugi yang belum direalisasi dari perubahan nilai The movement of unrealized loss from the change in fair
wajar efek-efek yang diukur melalui penghasilan komprehensif value of marketable securities are measured through other
lain pada tanggal 31 Desember 2025 dan 2024 adalah comprehensive income as of December 31, 2025 and 2024
sebagai berikut: was as follows:
2025 2024
Saldo awal (174.957.773) - Beginning balance
Penambahan rugi yang belum Addition of unrealised loss
direalisasi selama tahun berjalan 3.683.343.015 (174.957.773) during the year
Jumlah 3.508.385.242 (174.957.773) Total
Pajak tangguhan (771.844.753) 38.490.710 impairment losses
Jumlah - bersih 2.736.540.489 (136.467.063) Total - net
- -
f. Tingkat suku bunga rata-rata per tahun f. Average interest rate per annum
2025 2024
Surat Utang Negara 6,98% 7,06% Government Bonds
Sukuk Ritel Negara 7,18% 7,27% State Retail Sukuk
Obligasi korporasi 6,80% - Corporate Bonds
Sekuritas Rupiah Bank Indonesia 7,42% 5,57% Bank Indonesia Rupiah Securities
g. Berdasarkan kolektibilitas sesuai Peraturan OJK g. By Financial Service Authority Rule collectibility
Kolektibilitas efek-efek sesuai Peraturan OJK diungkapkan Collectibility marketable securities in accordance with
pada Catatan 43e. Financial Service Authority Rule are disclosed in Note 43e.
h. Perubahan penyisihan kerugian penurunan nilai h. Movements in the allowance for impairment losses
Pada tanggal 31 Desember 2025 dan 2024, perubahan As of December 31, 2025 and 2024, the movement in the
penyisihan kerugian penurunan nilai atas efek-efek adalah allowance fir impairment losses for marketable securities are
sebagai berikut: as follows:
2025 2024
Saldo awal - - Beginning balance
Penyisihan selama tahun berjalan 30.000.000 - Provision during the year
Saldo akhir 30.000.000 - Ending balance
- -
49
Page 594
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. PINJAMAN YANG DIBERIKAN 10. LOANS
a. Berdasarkan jenis a. By type
2025 2024
Modal kerja 6.071.772.539.753 5.278.950.866.517 Working capital
Investasi 2.374.577.394.283 2.076.786.742.425 Investment
Konsumsi 989.048.326.045 930.622.818.270 Consumer
Sindikasi 1.282.378.995.823 1.000.713.362.261 Syndicated
Karyawan 17.033.075.420 13.079.999.999 Employee
Jumlah 10.734.810.331.324 9.300.153.789.472 Total
Penyisihan kerugian penurunan nilai (239.409.685.306) (207.640.091.189) Allowance for impairment losses
Jumlah - bersih 10.495.400.646.018 9.092.513.698.283 Total - net
- -
b. Berdasarkan pihak b. By party
2025 2024
Pihak berelasi 330.185.260.264 173.988.591.177 Related party
Pihak ketiga 10.404.625.071.060 9.126.165.198.295 Third party
Jumlah 10.734.810.331.324 9.300.153.789.472 Total
Penyisihan kerugian penurunan nilai (239.409.685.306) (207.640.091.189) Allowance for impairment losses
Jumlah - bersih 10.495.400.646.018 9.092.513.698.283 Total - net
- -
c. Berdasarkan sektor ekonomi dan kolektibilitas c. By economic sector and collectibility
Kolektibilitas pinjaman yang diberikan sesuai Peraturan OJK Collectibility loans in accordance with Financial Service
diungkapkan pada Catatan 43f. Authority Rule are disclosed in Note 43f.
d. Berdasarkan jangka waktu pinjaman d. By term of loans
Jangka waktu pinjaman diklasifikasikan berdasarkan periode Classification of loans according to term of loan agreements
kredit sebagaimana yang tercantum dalam perjanjian kredit and remaining periods from statements of financial position
dan waktu yang tersisa sampai dengan saat jatuh temponya date to maturity dates are as follows:
adalah sebagai berikut:
Berdasarkan jangka waktu: By maturity:
2025 2024
Kurang dari atau sama dengan 1 tahun 4.528.199.636.937 3.037.664.876.739 1 year or less
Lebih dari 1 tahun sampai 2 tahun 275.498.123.432 285.126.104.883 More than 1 year to 2 years
Lebih dari 2 tahun sampai 5 tahun 3.379.601.258.518 4.003.750.875.325 More than 2 years to 5 years
Lebih dari 5 tahun 2.551.511.312.437 1.973.611.932.525 More than 5 years
Jumlah 10.734.810.331.324 9.300.153.789.472 Total
Penyisihan kerugian penurunan nilai (239.409.685.306) (207.640.091.189) Allowance for impairment losses
Jumlah - bersih 10.495.400.646.018 9.092.513.698.283 Total - net
- -
Berdasarkan sisa umur jatuh tempo: By remaining period to maturity:
2025 2024
Kurang dari atau sama dengan 1 tahun 5.109.593.180.819 3.691.340.521.829 1 year or less
Lebih dari 1 tahun sampai 2 tahun 1.264.963.263.004 834.462.313.135 More than 1 year to 2 years
Lebih dari 2 tahun sampai 5 tahun 2.752.254.306.663 3.155.666.942.634 More than 2 years to 5 years
Lebih dari 5 tahun 1.607.999.580.838 1.618.684.011.874 More than 5 years
Jumlah 10.734.810.331.324 9.300.153.789.472 Total
Penyisihan kerugian penurunan nilai (239.409.685.306) (207.640.091.189) Allowance for impairment losses
Jumlah - bersih 10.495.400.646.018 9.092.513.698.283 Total - net
- -
50
Page 595
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. PINJAMAN YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
e. Berdasarkan stage e. By stage
Perubahan jumlah pinjaman yang diberikan berdasarkan The movement of loans based on stages for the year ended
stage untuk tahun yang berakhir 31 Desember 2025 dan 2024 December 31, 2025 and 2024 was as follows:
adalah sebagai berikut:
2025
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 8.714.197.556.869 361.774.920.560 224.181.312.043 9.300.153.789.472 Beginning balance
Transfer ke kerugian Transfer to
kredit ekspektasian lifetime expected
sepanjang umurnya credit losses
(Stage 2) (66.900.724.781) 66.922.366.950 (21.642.169) - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (88.698.042.549) (33.025.686.995) 121.723.729.544 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 43.544.756.772 (43.032.681.706) (512.075.066) - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali 1.668.912.537.693 (152.015.026.855) 80.260.072.712 1.597.157.583.550 remeasurement
Penghapusbukuan - - (162.501.041.698) (162.501.041.698) Write-offs
Saldo akhir 10.271.056.084.004 200.623.891.954 263.130.355.366 10.734.810.331.324 Ending balance
-
2024
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 8.082.668.449.821 221.955.660.523 223.257.173.096 8.527.881.283.440 Beginning balance
Transfer ke kerugian Transfer to
kredit ekspektasian lifetime expected
sepanjang umurnya credit losses
(Stage 2) (148.739.086.187) (1.572.215.618) 150.311.301.805 - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (215.555.166.609) (3.509.812.622) 219.064.979.231 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 166.511.566.129 (68.060.873.592) (98.450.692.537) - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali 829.311.793.715 212.962.161.869 6.540.557.589 1.048.814.513.173 remeasurement
Penghapusbukuan - - (276.542.007.141) (276.542.007.141) Write-offs
Saldo akhir 8.714.197.556.869 361.774.920.560 224.181.312.043 9.300.153.789.472 Ending balance
-
f. Tingkat suku bunga rata-rata per tahun f. Average interest rate per annum
Suku bunga rata-rata tertimbang untuk tahun yang berakhir Weighted average interest rate for the years ended
pada tanggal 31 Desember 2025 dan 2024 adalah sebagai December 31, 2025 and 2024 are as follows:
berikut:
2025 2024
Kredit yang diberikan 10,83% 10,30% Loans
51
Page 596
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. PINJAMAN YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
g. Perubahan penyisihan kerugian penurunan nilai g. Movements in the allowance for impairment losses
Perubahan cadangan kerugian penurunan nilai pinjaman yang The movement of allowance for impairment losses loans fot
diberikan untuk tahun yang berakhir 31 Desember 2025 dan the year ended December 31, 2025 and 2024 was as
2024 adalah sebagai berikut: follows:
2025
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 74.914.802.634 38.844.945.727 93.880.342.828 207.640.091.189 - Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Stage 2) (12.894.289.787) 12.915.931.956 (21.642.169) - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (11.108.130.352) (11.306.917.631) 22.415.047.983 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 1.383.010.868 (870.935.802) (512.075.066) - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali (6.619.314.539) 19.121.658.252 181.768.292.102 194.270.635.815 remeasurement
Penghapusbukuan - - (162.501.041.698) (162.501.041.698) Write-offs
Saldo akhir 45.676.078.824 58.704.682.502 135.028.923.980 239.409.685.306 Ending balance
-
2024
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 83.576.465.124 40.136.059.175 93.608.322.283 217.320.846.582 Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Stage 2) (22.424.444.655) (150.905.634) 22.575.350.289 - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (38.447.210.704) (2.611.919.485) 41.059.130.189 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 1.127.378.872 (476.924.094) (650.454.778) - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali 51.082.613.997 1.948.635.765 213.830.001.986 266.861.251.748 remeasurement
Penghapusbukuan - - (276.542.007.141) (276.542.007.141) Write-offs
Saldo akhir 74.914.802.634 38.844.945.727 93.880.342.828 207.640.091.189 Ending balance
-
Manajemen berpendapat bahwa jumlah penyisihan kerugian Management believes that the allowance for impairment
penurunan nilai yang dibentuk telah memadai untuk menutup losses is adequate to cover the possible losses of
kemungkinan terjadinya kerugian atas tidak tertagihnya kredit uncollectible loans.
yang diberikan.
h. Perubahan pinjaman yang dihapusbuku h. Movements in loans write-off
Pada tanggal 31 Desember 2025 dan 2024, perubahan As of December 31, 2025 and 2024, the movements in loans
pinjaman yang dihapusbuku adalah sebagai berikut: write-off are as follows:
2025 2024
Saldo awal 669.538.063.194 407.271.228.342 Beginning balance
Penerimaan kembali pinjaman
yang telah dihapusbuku (16.643.155.249) (14.275.172.289) Recoveries from write-off
Penghapusbukuan pinjaman
selama tahun berjalan 162.501.041.698 276.542.007.141 Write-off during the year
Saldo akhir 815.395.949.643 669.538.063.194 Ending balance
- -
i. Agunan pinjaman i. Collateral loans
Pinjaman yang diberikan pada umumnya dijamin dengan Loans are generally secured by collateral in the form of land
agunan berupa tanah dan bangunan yang diikat dengan hak and building under encumbrance or power of attorney to sell,
tanggungan atau surat kuasa untuk menjual, deposito time deposits or other collateral acceptable to the Bank.
berjangka atau jaminan lain yang dapat diterima oleh Bank.
52
Page 597
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. PINJAMAN YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
j. Kredit sindikasi j. Syndicated loans
Kredit sindikasi pada tanggal 31 Desember 2025 dan 2024 Syndicated loans as of December 31, 2025 and 2024
masing-masing sebesar Rp1.282.378.995.823 dan amounted to Rp1,282,378,995,823 and
Rp1.000.713.362.261. Rp1,000,713,362,261 , respectively.
Partisipasi Bank sebagai anggota dalam kredit sindikasi The Bank participation in syndicated loans amounted to
tersebut masing-masing sebesar 11,83% dan 3,76% pada 11.83% and 3.76% as of December 31, 2025 and 2024,
tanggal 31 Desember 2025 dan 2024. respectively.
k. Pinjaman karyawan k. Employee loans
Pinjaman yang diberikan kepada karyawan Bank terdiri dari The loans to the Bank's employees consist of loan which are
pinjaman yang ditujukan untuk pembelian kendaraan, rumah intended for acquisitions of vehicles, houses and other
dan keperluan lainnya dan dilunasi melalui pemotongan gaji personal purposes and are repayable through monthly
setiap bulan selama jangka waktu dan suku bunga berikut: payroll deduction within term and interest rates as follows:
2025 2024
Jangka waktu 12-180 bulan/months 12-180 bulan/months Term of loans
Suku bunga 1,00% - 6,00% 1,00% - 6,00% Interest rates
l. Kredit kepada pihak berelasi l. Loans to related parties
Kredit yang diberikan kepada pihak berelasi untuk tahun yang The loans to related parties for the years ended December
berakhir pada tanggal 31 Desember 2025 dan 2024 masing- 31, 2025 and 2024 amounted Rp330,185,260,264 and
masing sebesar Rp330.185.260.264 dan Rp173.988.591.177. Rp173,988,591,177, respectively.
m. Kredit yang direstrukturisasi m. Restructured loans
Kredit yang direstrukturisasi pada tanggal 31 Desember 2025 Restructured loans as of December 31, 2025 and 2024
dan 2024 masing-masing sebesar Rp410.686.546.596 dan amounted to Rp410,686,564,596 and Rp492,259,662,443,
Rp492.259.662.443. respectively.
Kolektibilitas kredit yang restrukturisasi untuk tahun yang Collectibility of the loans were restructured for the years
berakhir pada tanggal 31 Desember 2025 dan 2024 adalah ended December 31, 2025 and 2024 were as follows:
sebagai berikut:
2025 2024
Lancar 92.689.821.086 142.088.247.497 Current
Dalam perhatian khusus 206.380.316.655 272.078.399.229 Special mention
Kurang lancar 36.127.869.589 7.405.722 Sub-standard
Diragukan 28.860.294 9.417.821.175 Doubtful
Macet 140.670.594.597 68.667.788.820 Loss
Jumlah 475.897.462.221 492.259.662.443 Total
2025 2024
Perpanjangan jangka waktu kredit 229.126.387.679 122.547.890.961 Extension of loan maturity dates
Perpanjangan jangka waktu, Extension of loan maturity dates,
penurunan suku bunga kredit dan reduction of interest rates and
*) *)
program restrukturisasi lain-lain 246.771.074.542 369.711.771.482 other restructuring programs
Jumlah 475.897.462.221 492.259.662.443 Total
- -
*) Program restrukturisasi lain-lain terutama terdiri dari perubahan *) Other restructuring scheme mainly includes change of loan
fasilitas kredit. facilities.
n. Batas Maksimum Pemberian Kredit (BMPK) n. Legal Lending Limit (LLL)
Batas Maksimum Pemberian Kredit sesuai dengan Peraturan Legal Lending Limit in accordance with the OJK Regulation
OJK diungkapkan pada Catatan 43f. are disclosed in Note 43f.
o. Rasio pinjaman bermasalah terhadap jumlah pinjaman o. The ratio of non performing loans to total loans
yang diberikan
Rasio pinjaman bermasalah terhadap jumlah pinjaman yang The ratio of non performing loansto total loansin accordance
diberikan sesuai dengan Peraturan OJK diungkapkan pada with the OJK Regulation are disclosed in Note 43f.
Catatan 43f.
53
Page 598
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. PINJAMAN YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
p. Informasi pokok lainnya sehubungan dengan pinjaman p. Other information related to loans
yang diberikan
Kredit modal kerja dan investasi diberikan kepada debitur Working capital and investment loans to customers for
untuk memenuhi kebutuhan modal kerja dan barang-barang working capital requirements and capital goods. Consumer
modalnya. Kredit konsumsi terdiri dari kredit pemilikan rumah loans consist of mortgages and vehicle loans.
dan kredit kendaraan bermotor.
Informasi pokok lainnya sehubungan dengan pinjaman yang Other information related to loans in accordance with the
diberikan sesuai dengan Peraturan OJK diungkapkan pada OJK Regulation are disclosed in Note 43f.
Catatan 43f.
--- Sheet "AT, ATB, & AHG" (Catatan 11 - 13)
54
Page 599
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. ASET TETAP 11. FIXED ASSETS
2025
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ Penyesuaian/ 31 Desember/
January 1 Additions Deductions Reclassification Adjustment December 31
Nilai perolehan Cost
Tanah 79.684.400.000 - - - - 79.684.400.000 Lands
Bangunan 35.506.666.442 45.500.000 - 103.570.836 - 35.655.737.278 Buildings
Inventaris kantor 19.124.363.939 537.342.640 1.071.349.263 575.337.940 - 19.165.695.256 Office inventory
Peralatan kantor 64.862.845.845 2.947.385.934 436.368.166 298.912.080 - 67.672.775.693 Office equipment
Kendaraan 3.937.409.879 92.414.000 69.392.606 - - 3.960.431.273 Vehicles
Aset dalam Assets under
penyelesaian 661.461.297 792.495.375 - (977.820.856) - 476.135.816 construction
Jumlah 203.777.147.402 4.415.137.949 1.577.110.035 - - 206.615.175.316 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 13.384.399.607 1.908.993.408 - - - 15.293.393.015 Buildings
Inventaris kantor 15.158.036.578 1.816.575.947 819.350.897 - (14.970.829) 16.140.290.799 Office inventory
Peralatan kantor 53.785.433.672 6.306.962.988 354.497.954 - (4.518.625.239) 55.219.273.467 Office equipment
Kendaraan 1.000.398.689 444.555.714 58.061.214 - - 1.386.893.189 Vehicles
Jumlah 83.328.268.546 10.477.088.057 1.231.910.065 - (4.533.596.068) 88.039.850.470 Total
Nilai buku 120.448.878.856 118.575.324.846 Book value
2024
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ 31 Desember/
January 1 Additions Deductions Reclassification December 31
Nilai perolehan Cost
Tanah 79.684.400.000 - - - 79.684.400.000 Lands
Bangunan 35.203.562.654 - - 303.103.788 35.506.666.442 Buildings
Inventaris kantor 18.351.788.938 983.211.495 621.572.369 410.935.875 19.124.363.939 Office inventory
Peralatan kantor 67.263.639.907 389.047.850 2.789.841.912 - 64.862.845.845 Office equipment
Kendaraan 1.454.534.559 523.575.000 704.699.680 2.664.000.000 3.937.409.879 Vehicles
Aset dalam Assets under
penyelesaian 2.668.959.648 1.370.541.312 - (3.378.039.663) 661.461.297 construction
Jumlah 204.626.885.706 3.266.375.657 4.116.113.961 - 203.777.147.402 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 11.484.828.949 1.899.570.658 - - 13.384.399.607 Buildings
Inventaris kantor 13.483.845.657 2.295.763.174 621.572.253 - 15.158.036.578 Office inventory
Peralatan kantor 47.848.706.826 8.726.568.623 2.789.841.777 - 53.785.433.672 Office equipment
Kendaraan 1.087.183.547 571.489.285 658.274.143 - 1.000.398.689 Vehicles
Jumlah 73.904.564.979 13.493.391.740 4.069.688.173 - 83.328.268.546 Total
Nilai buku 130.722.320.727 120.448.878.856 Book value
Rincian pengurangan aset tetap pada tanggal 31 Desember 2025 The details of the deductions of fixed assets as of December 31,
dan 2024 adalah sebagai berikut: 2025 and 2024 are as follows:
2025 2024
Penjualan aset tetap Fixed assets disposal
Harga jual 62.741.560 259.525.000 Proceeds
Nilai perolehan 1.505.024.341 4.014.281.448 Cost
Akumulasi penyusutan 1.175.857.882 3.967.855.679 Accumulated depreciation
Nilai buku 329.166.459 46.425.769 Book value
Laba penjualan aset tetap (266.424.899) 213.099.231 Gain on sale of fixed assets
- -
Penghapusan aset tetap Fixed assets write-off
Nilai perolehan 72.085.694 101.832.513 Cost
Akumulasi penyusutan 56.052.183 101.832.494 Accumulated depreciation
Rugi penghapusan aset tetap 16.033.511 19 Loss on fixed assets write-off
- -
55
Page 600
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. ASET TETAP (lanjutan) 11. FIXED ASSETS (continued)
Rincian aset tetap dalam penyelesaian pada tanggal 31 Desember The details of fixed assets in progress as of December 31, 2025 and
2025 dan 2024 adalah sebagai berikut: 2024 are as follows:
Persentase Akumulasi
penyelesaian/ biaya/
Percentage of Accumulated Estimasi penyelesaian/
Periode completion cost Estimated completion Period
31 Desember 2025 December 31, 2025
Pekerjaan Lift 87% 389.679.026 Februari/February 2026 Elevator Work
Edgecore Switch 30% 86.456.790 Maret/March 2026 Edgecore Switch
31 Desember 2024 December 31, 2024
Renovasi Ruang Meeting
Sulawesi Lantai 1 95% 98.392.294 Januari/January 2025 Meeting Room Renovation 1st Floor
Pengadaan & Pemasangan Firestrom Carpet Tile Supply
Karpet Tile Firestrom 95% 150.329.520 Januari/January 2025 & Installation
Penggantian Alat System Replacement of STP Processing
Pengolahan STP 30% 13.732.500 Januari/January 2025 System Equipment
Renovasi dan Relokasi Renovation and relocation
OK Bank Pluit ke PIK 35% 399.006.983 Juni/June 2025 OK Bank from Pluit to PIK
Untuk pengadaan aset tetap setelah tanggal revaluasi For acquisitions of fixed assets after the date of revaluation the
menggunakan harga perolehan. Jumlah pengadaan untuk tahun acquisition cost is used. Total additions for the years ended
yang berakhir pada 31 Desember 2025 dan 2024 setelah revaluasi December 31, 2025 and 2024 after the revaluation amounting to
masing-masing sebesar Rp4.415.137.949 dan Rp3.266.375.657. Rp4,415,137,949 and Rp3,266,375,657, respectively.
Jumlah penyusutan aset tetap yang dibebankan pada laporan laba The amount of depreciation of fixed assets charged to the
rugi dan penghasilan komprehensif lain masing-masing sebesar statements of profit or loss and other comprehensive income
Rp10.477.088.057 dan Rp13.493.391.740 untuk tahun yang amounting to Rp10,477,088,057 and Rp13,493,391,840 for the
berakhir pada 31 Desember 2025 dan 2024. years ended December 31, 2025 and 2024, respectively.
Aset tetap, kecuali tanah, diasuransikan terhadap kebakaran, Fixed assets, except land, are insured against fire, earthquake,
gempa bumi, banjir dan risiko lainnya kepada PT Great Eastern flood and other risk by PT Great Eastern General Insurance
General Insurance Indonesia, PT Zurich Asuransi Indonesia dan PT Indonesia, PT Zurich Asuransi Indonesia, and PT Asuransi Buana
Asuransi Buana Independent, yang bukan merupakan pihak berelasi Independen, which is not a related party to the Bank, with a total
dengan Bank, dengan jumlah pertanggungan pada tanggal 31 coverage of Rp72,775,299,016 and Rp106,559,268,856 as of
Desember 2025 dan 2024 adalah sebesar 72.775.299.016 dan December 31, 2025 and 2024, respectively. Management believes
Rp106.559.268.856. Manajemen berpendapat bahwa nilai that the insurance coverage is adequate to cover possible losses.
pertanggungan tersebut telah memadai untuk menutup
kemungkinan kerugian.
Nilai tercatat aset tetap jika menggunakan metode biaya perolehan The carrying value of the fixed assets when using the cost model as
pada tanggal 31 Desember 2025 dan 2024 adalah sebagai berikut: of December 31, 2025 and 2024 were as follows:
2025 2024
Tanah 3.427.000.000 3.427.000.000 Land
Bangunan 12.190.322.731 12.041.251.895 Buildings
Inventaris kantor 14.649.554.862 14.608.223.545 Office inventory
Peralatan kantor 62.825.697.193 60.015.767.345 Office equipment
Kendaraan 3.609.117.672 3.586.096.278 Vehicles
Jumlah 96.701.692.458 93.678.339.063 Total
Jumlah nilai tercatat bruto dari setiap aset tetap yang telah The gross carrying amounts of each fixed assets which are fully
disusutkan penuh dan masih digunakan sebelum revaluasi oleh depreciated and are still used before revaluation by the Bank are as
Bank adalah sebagai berikut: follows :
2025 2024
Inventaris kantor 8.042.864.871 8.084.137.671 Office inventory
Peralatan kantor 27.904.009.333 27.303.428.684 Office equipment
Jumlah 35.946.874.204 35.387.566.355 Total
56
Page 601
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
12. ASET TAKBERWUJUD 12. INTANGIBLE ASSETS
2025
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ 31 Desember/
January 1 Additions Deductions Reclassification December 31
Nilai perolehan Cost
Perangkat lunak 176.820.717.805 2.411.390.593 63.294.580 2.857.850.600 182.026.664.418 Software
Aset dalam Assets under
penyelesaian 30.269.700 10.853.770.332 - (2.857.850.600) 8.026.189.432 construction
Jumlah 176.850.987.505 13.265.160.925 63.294.580 - 190.052.853.850 Total
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 160.990.991.938 6.653.087.538 63.294.571 - 167.580.784.905 Software
Jumlah 160.990.991.938 6.653.087.538 63.294.571 - 167.580.784.905 Total
Nilai buku 15.859.995.567 22.472.068.945 Book value
2024
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ 31 Desember/
January 1 Additions Deductions Reclassification December 31
Nilai perolehan Cost
Perangkat lunak 174.741.276.805 744.810.000 - 1.334.631.000 176.820.717.805 Software
Aset dalam Assets under
penyelesaian 671.096.100 771.504.600 77.700.000 (1.334.631.000) 30.269.700 construction
Jumlah 175.412.372.905 1.516.314.600 77.700.000 - 176.850.987.505 Total
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 150.587.144.624 10.403.847.314 - - 160.990.991.938 Software
Jumlah 150.587.144.624 10.403.847.314 - - 160.990.991.938 Total
Nilai buku 24.825.228.281 15.859.995.567 Book value
Rincian aset takberwujud dalam penyelesaian pada tanggal 31 The details of intangible assets in progress as of December 31,
Desember 2025 dan 2024 adalah sebagai berikut: 2025 and 2024 are as follows:
Persentase Akumulasi
penyelesaian/ biaya/
Percentage of Accumulated Estimasi penyelesaian/
Periode completion cost Estimated completion Period
31 Desember 2025 December 31, 2025
Penerapan Mobile Banking Baru 70% 2.533.871.592 Januari/January 2026 New Mobile Banking Implementation
Pengadaan Mobile Banking System Procurement Mobile Banking System
dan Mobile C&C Corporation 70% 5.392.317.840 Maret/March 2026 with Mobile C&C Corporation
Pengembangan Aplikasi KPMM Development Aplikasi KPMM
SBDK Apolo 50% 100.000.000 Maret/March 2026 SBDK Apolo
31 Desember 2024 December 31, 2024
Enchancement GOAML penambahan GOAML enhancement addition of
Rule LKTM terkait judi online 50% 30.269.700 MaretMarch 2025 LKTM Rule related to online gambling
Manajemen berpendapat tidak terdapat indikasi penurunan nilai atas Management believes that there is no indication of permanent
aset takberwujud yang dimiliki oleh Bank. impairment in the value of intangible assets of the Bank.
57
Page 602
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
13. ASET HAK GUNA 13. RIGHT OF USE ASSETS
Berikut adalah rincian transaksi sewa Bank sampai dengan 31 Following are the details of the Bank's lease transactions as of
Desember 2025 dan 2024. December 31, 2025 and 2024.
2025
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Addition Deduction Ending balance
Nilai perolehan Cost
Bangunan 36.047.304.343 1.166.666.667 - 37.213.971.010 Buildings
Peralatan kantor 1.379.977.384 190.989.768 - 1.570.967.152 Office equipment
Kendaraan 10.172.806.898 3.143.715.573 1.908.966.553 11.407.555.918 Vehicles
Lainnya 6.348.119.066 - - 6.348.119.066 Others
Jumlah 53.948.207.691 4.501.372.008 1.908.966.553 56.540.613.146 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 20.001.633.428 7.682.911.605 - 27.684.545.033 Buildings
Peralatan kantor 1.160.325.751 247.962.157 - 1.408.287.908 Office equipment
Kendaraan 4.288.398.258 3.162.762.165 1.908.966.553 5.542.193.870 Vehicles
Lainnya 4.391.245.930 1.440.070.796 - 5.831.316.726 Others
Jumlah 29.841.603.367 12.533.706.723 1.908.966.553 40.466.343.537 Total
Nilai buku 24.106.604.324 16.074.269.609 Book value
2024
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Addition Deduction Ending balance
Nilai perolehan Cost
Bangunan 35.594.453.502 7.713.965.055 7.261.114.214 36.047.304.343 Buildings
Peralatan kantor 1.159.123.275 220.854.109 - 1.379.977.384 Office equipment
Kendaraan 9.826.860.134 4.476.707.566 4.130.760.802 10.172.806.898 Vehicles
Lainnya 7.592.043.017 3.040.922.805 4.284.846.756 6.348.119.066 Others
Jumlah 54.172.479.928 15.452.449.535 15.676.721.772 53.948.207.691 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 19.254.209.349 8.008.538.293 7.261.114.214 20.001.633.428 Buildings
Peralatan kantor 901.761.915 258.563.836 - 1.160.325.751 Office equipment
Kendaraan 4.968.964.334 2.798.520.409 3.479.086.485 4.288.398.258 Vehicles
Lainnya 6.448.177.126 2.227.915.560 4.284.846.756 4.391.245.930 Others
Jumlah 31.573.112.724 13.293.538.098 15.025.047.455 29.841.603.367 Total
Nilai buku 22.599.367.204 24.106.604.324 Book value
Pada 31 Desember 2024, Bank melakukan hapus buku sewa On December 31, 2024, Bank write off right of use asset with book
dengan nilai buku sebesar Rp651.674.317 dan liabilitas sewa value amounting Rp651,674,317 and a lease liability of
sebesar Rp714.828.932, sehingga terdapat pendapatan hapus buku Rp714,828,932, so there was a write-off income amounting
sebesar Rp63.154.615. Rp63,154,615.
Kontrak sewa mengandung opsi perpanjangan yang dapat diambil The lease contract contains an extension option that can be taken
oleh Bank sebelum masa berakhirnya kontrak. Bank melakukan by the Bank before the expiration of the contract. The Bank modified
modifikasi perhitungan aset hak guna dan liabilitas sewa ketika the calculation of right of use assets and lease liabilities when the
kontrak dimodifikasi. contract was modified.
58
Page 603
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
14. ASET LAIN-LAIN 14. OTHER ASSETS
2025 2024
Piutang bunga 82.722.056.972 69.887.991.240 Interest receivables
Agunan yang diambil alih 36.896.825.658 56.934.652.072 Foreclosed assets
Penyisihan kerugian penurunan nilai (25.501.000.000) (13.430.549.974) Allowance for impairment losses
Agunan yang diambil alih - bersih 11.395.825.658 43.504.102.098 Foreclosed assets - net
Piutang bunga kredit restrukturisasi 15.178.891.906 24.200.432.055 Interest receivables on restructured loans
Biaya dibayar di muka 5.683.817.150 7.675.975.672 Prepaid expenses
Setoran jaminan 2.950.123.782 5.074.033.132 Security deposits
Uang muka 3.413.384.023 1.202.765.795 Advances
Persediaan barang cetakan 149.920.000 274.448.000 Stationery and printed form
Lain-lain 837.396.336 601.260.389 Others
Jumlah 122.331.415.827 152.421.008.381 Total
- -
Agunan yang diambil alih Foreclosed assets
Agunan yang diambil alih yang diselesaikan selama tahun yang Foreclosed collaterals were completed during the year ended
berakhir pada tanggal 31 Desember 2025 dan 2024 masing- December 31, 2025 and 2024 were Rp20.037.826.414 and
masing sebesar Rp20.037.826.414 dan Rp18.683.296.128. Rp18,683,296,128, respectively. Settlement is redemption by the
Penyelesaian merupakan penebusan kembali oleh debitur dan debtor and auction results. Management believes that the
hasil lelang. Manajemen berpendapat bahwa saldo agunan yang balance of foreclosed collaterals is at their net realizable value.
diambil alih merupakan nilai bersih yang dapat direalisasi. Nilai Net realizable value on foreclosed collaterals is greater than the
realisasi bersih atas agunan yang diambil alih lebih besar dari outstanding loan balance which is not collectible. Profit or loss in
saldo pinjaman yang tidak tertagih. Laba atau rugi sehubungan connection with the takeover of collateral is recognized as other
dengan proses pengambilalihan agunan diakui sebagai operating income (expense).
pendapatan (beban) operasional lainnya.
Mutasi agunan yang diambil alih: Movement of foreclosed assets:
2025 2024
Saldo awal 56.934.652.072 75.617.948.200 Beginning balance
Pengurangan (20.037.826.414) (18.683.296.128) Disposals
Saldo akhir 36.896.825.658 56.934.652.072 Ending balance
- -
Perubahan penyisihan kerugian penurunan nilai agunan yang Movement in the allowance for impairment losses of foreclosed
diambil alih: assets:
2025 2024
Saldo awal 13.430.549.974 9.902.020.027 Beginning balance
Penyisihan tahun berjalan 18.637.717.529 11.231.022.144 Provision during the year
Penyelesaian selama tahun berjalan (6.567.267.503) (7.702.492.197) Settlement during the year
Saldo akhir 25.501.000.000 13.430.549.974 Ending balance
- -
Manajemen berpendapat bahwa jumlah penyisihan kerugian Management believes that the allowance for impairment losses is
penurunan nilai yang dibentuk telah memadai untuk menutup adequate to cover the possible losses of foreclosed assets.
kemungkinan terjadinya kerugian atas agunan yang diambil alih.
Piutang bunga terdiri dari: Interests receivable consisted of:
2025 2024
Pinjaman yang diberikan 52.348.910.282 43.316.692.627 Loans
Penempatan pada bank lain 49.315.068 68.763.891 Placements with other banks
Efek-efek 30.323.831.622 26.502.534.722 Markertable securities
Jumlah 82.722.056.972 69.887.991.240 Total
- -
Rincian biaya dibayar dimuka terdiri dari biaya sewa dan biaya Details of prepaid expenses consist of rent expenses and building
pemeliharaan gedung dan peralatan kantor. and office furnitures maintenance expenses.
Lainnya terdiri dari premi asuransi dan sewa aplikasi. Others related insurance premiums and rental of IT equipment.
59
Page 604
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
15. LIABILITAS SEGERA 15. LIABILITIES IMMEDIATELY PAYABLE
2025 2024
Bunga masih harus dibayar 36.645.938.915 29.950.560.042 Accrued interest expenses
Penghasilan ditangguhkan Deferred income
kredit restrukturisasi 15.178.891.906 24.200.432.055 on restructured loans
Lain-lain 894.082.919 798.382.246 Others
Jumlah 52.718.913.740 54.949.374.343 Total
- -
Liabilitas segera lain-lain terdiri dari antara lain biaya notaris, BPJS Liabilities due immediately represent accrued expenses of notary,
dan titipan lainnya. social security (“BPJS”) and others.
16. SIMPANAN DARI NASABAH 16. DEPOSITS FROM CUSTOMERS
Seluruh simpanan dari nasabah dalam mata uang Rupiah. All of deposits from customer are denominated in Rupiah.
a. Berdasarkan jenis a. By type
2025 2024
Pihak berelasi Related parties
Tabungan 7.035.014.581 5.061.222.724 Savings deposits
Deposito berjangka 7.429.234.363 12.697.396.638 Time deposits
14.464.248.944 17.758.619.362
Pihak ketiga Third parties
Giro 1.387.258.034.519 1.247.985.729.217 Current accounts
Tabungan 508.283.218.054 358.105.883.987 Savings deposits
Deposito berjangka 6.244.476.631.570 5.154.300.115.699 Time deposits
Deposito on call 20.000.000.000 40.000.000.000 Deposits on call
8.160.017.884.143 6.800.391.728.903
Jumlah 8.174.482.133.087 6.818.150.348.265 Total
- -
b. Deposito berjangka berdasarkan jangka waktu b. Time deposits by term
2025 2024
1 bulan 1.533.689.216.054 2.247.777.545.987 1 month
3 bulan 2.434.554.262.798 1.346.895.364.273 3 months
6 bulan 1.008.459.917.810 392.537.298.789 6 months
12 bulan 1.251.338.803.170 1.148.174.931.503 12 months
24 bulan 23.863.666.101 31.612.371.785 24 months
Jumlah 6.251.905.865.933 5.166.997.512.337 Total
- -
c. Deposito berjangka berdasarkan sisa umur jatuh tempo c. Time deposits by remaining period to maturity
2025 2024
Kurang dari atau sama
dengan 1 bulan 2.224.589.262.318 2.673.870.825.361 1 month or less
Lebih dari 1 - 3 bulan 2.235.458.463.230 1.133.682.417.516 More than 1 - 3 months
Lebih dari 3 - 6 bulan 1.045.467.291.080 354.125.830.171 More than 3 - 6 months
Lebih dari 6 - 12 bulan 729.921.414.106 940.430.888.895 More than 6 - 12 months
Lebih dari 12 - 24 bulan 16.469.435.199 64.887.550.394 More than 12 - 24 months
Jumlah 6.251.905.865.933 5.166.997.512.337 Total
- -
d. Tingkat suku bunga rata-rata per tahun d. Average interest rate per annum
2025 2024
Giro 3,26% 3,02% Current accounts
Tabungan 3,83% 3,15% Savings deposits
Deposito berjangka 6,25% 6,22% Time deposits
60
Page 605
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
16. SIMPANAN DARI NASABAH (lanjutan) 16. DEPOSITS FROM CUSTOMERS (continued)
e. Informasi lain e. Other information
Simpanan yang diblokir dan dijadikan jaminan atas kredit yang Deposits blocked and pledged as loans collateral as of
diberikan pada tanggal 31 Desember 2025 dan 2024 adalah December 31, 2025 and 2024 were Rp610,118,507,958 and
masing-masing sebesar Rp610.118.507.958 dan Rp523,647,480,596, respectively.
Rp523.647.480.596.
Jumlah persentase simpanan yang diblokir terhadap jumlah The percentage of deposits that are blocked on the amount
simpanan untuk tahun yang berakhir pada tanggal 31 of deposits for the years ended December 31, 2025 and
Desember 2025 dan 2024 masing-masing 7,46% dan 7,68%. 2024 were 7.46% and 7.68%, respectively.
17. SIMPANAN DARI BANK LAIN 17. DEPOSITS FROM OTHER BANKS
Seluruh simpanan dari bank lain dalam mata uang Rupiah. All of deposits from other banks are denominated in Rupiah.
a. Berdasarkan jenis a. By type
2025 2024
Pihak ketiga Third parties
Tabungan 12.969.026.262 12.069.908.516 Savings deposits
Giro 282.710.115.289 293.632.840.056 Current accounts
Deposito berjangka 508.210.000.000 419.910.000.000 Time deposits
Jumlah 803.889.141.551 725.612.748.572 Total
- -
b. Deposito berjangka berdasarkan jangka waktu b. Time deposits by term
2025 2024
1 bulan 111.410.000.000 139.860.000.000 1 month
3 bulan 194.000.000.000 58.350.000.000 3 months
6 bulan 60.000.000.000 71.050.000.000 6 months
12 bulan 142.800.000.000 148.650.000.000 12 months
24 bulan - 2.000.000.000 24 months
Jumlah 508.210.000.000 419.910.000.000 Total
- -
c. Deposito berjangka berdasarkan sisa umur jatuh tempo c. Time deposits by remaining period to maturity
2025 2024
Kurang dari atau sama dengan 1 bulan 125.410.000.000 174.835.000.000 1 month or less
Lebih dari 1 - 3 bulan 193.650.000.000 22.075.000.000 More than 1 - 3 months
Lebih dari 3 - 6 bulan 138.900.000.000 92.900.000.000 More than 3 - 6 months
Lebih dari 6 - 12 bulan 50.250.000.000 125.100.000.000 More than 6 - 12 months
Lebih dari 12 - 24 bulan - 5.000.000.000 More than 12 - 24 months
Jumlah 508.210.000.000 419.910.000.000 Total
- -
d. Tingkat suku bunga rata-rata per tahun d. Average interest rate per annum
2025 2024
Tabungan 4,05% 4,43% Current accounts
Giro 2,69% 2,94% Current accounts
Deposito berjangka 5,97% 5,99% Time deposits
e. Informasi lain e. Other information
Simpanan dari bank lain yang diblokir dan dijadikan jaminan Deposits from other banks blocked and pledged as loans
atas kredit yang diberikan pada tanggal 31 Desember 2025 collateral as of December 31, 2025 and 2024 were
dan 2024 adalah masing-masing sebesar Rp61.150.000.000 Rp61,150,000,000 and Rp79,100,000,000, respectively.
dan Rp79.100.000.000 .
Jumlah persentase simpanan dari bank lain yang diblokir The percentage of deposits from other banks that are
terhadap jumlah simpanan dari bank lain untuk tahun yang blocked on the amount of deposits from other banks for the
berakhir pada 31 Desember 2025 dan 2024 masing-masing years ended December 31, 2025 and 2024 were 7.61% and
7,61% and 10,90%. 10.90%, respectively.
61
Page 606
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. PINJAMAN YANG DITERIMA 18. BORROWINGS
2025 2024
PT Bank Central Asia Tbk 400.000.000.000 400.000.000.000 PT Bank Central Asia Tbk
PT Bank Permata Tbk 50.000.000.000 100.000.000.000 PT Bank Permata Tbk
PT Bank Danamon Indonesia Tbk 50.000.000.000 50.000.000.000 PT Bank Danamon Indonesia Tbk
Jumlah 500.000.000.000 550.000.000.000 Total
- -
PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Berdasarkan surat Ref. No.167/FIG/2023 tanggal 6 November Based on letter Ref. No.167/FIG/2023 dated November 6, 2023,
2023, PT Bank Central Asia Tbk menyetujui memberikan PT Bank Central Asia Tbk agreed to provide additional Time
tambahan fasilitas kredit Time Loan Revolving 2 menjadi Loan Revolving 2 credit facility amounted to Rp400,000,000,000.
Rp400.000.000.000. Fasilitas kredit Time Loan Revolving 2 Time Loan Revolving 2 credit facility amounting to
sebesar Rp200.000.000.000 harus diperpanjang sampai dengan Rp200,000,000,000 shall be extended until the maturity of the
jatuh tempo pinjaman dan batas penarikan tambahan fasilitas loan and the additional drawdown limit of the credit facility shall
kredit harus digunakan dalam waktu 3 bulan setelah be utilised within 3 months after the signing of the loan facility.
penandatanganan fasilitas pinjaman. Tingkat suku bunga sebesar The interest rate is JIBOR plus a margin of 0.85%. The credit
JIBOR ditambah marjin 0,85%. Fasilitas kredit tersebut telah facility has been disbursed on November 29, 2023 and will
dicairkan pada tanggal 29 November 2023 dan akan jatuh tempo mature on November 29, 2025.
pada 29 November 2025.
Berdasarkan perubahan keempat atas Perjanjian Kredit Nomor: Based on the fourth amendment to Credit Agreement No.
172/Add-KCK/2025 tanggal 27 Mei 2025, PT Bank Central Asia 172/Add-KCK/2025 dated May 27, 2025, PT Bank Central Asia
Tbk memberikan fasilitas kredit Time Loan Revolving sebesar Tbk granted a Time Loan Revolving credit facility amounting to
Rp400.000.000.000 yang menggantikan 2 fasilitas sebelumnya Rp400,000,000,000, which replaced the two previous facilities
menjadi 1 fasilitas. Fasilitas kredit harus ditarik penuh dalam waktu into a single facility. The credit facility must be fully drawn within
6 bulan setelah tanggal perjanjian.Tingkat suku bunga sebesar six months from the agreement date. The interest rate is 7.2%
7,2% per tahun.Fasilitas kredit tersebut telah dicairkan pada per annum. The credit facility was disbursed on May 27, 2025
tanggal 27 Mei 2025 dan akan jatuh tempo pada 27 Mei 2027. and will mature on May 27, 2027.
Terdapat perubahan kelima atas Perjanjian Kredit Nomor: 475/Add- There was a fifth amendment to Credit Agreement No. 475/Add-
KCK/2025 tanggal 29 Desember 2025. Berdasarkan perjanjian KCK/2025 dated December 29, 2025. Based on the amendment,
tersebut, terdapat perubahan tingkat suku bunga sebelumnya 7,2% the interest rate was changed from the previous fixed rate of
per tahun menjadi menggunakan Compounded Indonesia 7.2% per annum to a floating rate based on the 3-month
Overnight Index Average (IndONIA) 3 bulan dengan marjin sebesar Compounded Indonesia Overnight Index Average (IndONIA) plus
1,80% p.a. a margin of 1.80% per annum.
PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
Bank memperoleh fasilitas pinjaman dari PT Bank Danamon The Bank obtained a loan facility from PT Bank Danamon
Indonesia Tbk berdasarkan perjanjian kredit No.141/PK/EB/0523 Indonesia Tbk based on credit agreement No.141/PK/EB/0523
tanggal 8 Mei 2023, PT Bank Danamon Indonesia Tbk menyetujui dated May 8, 2023, PT Bank Danamon Indonesia Tbk agreed to
untuk memberikan fasilitas kredit sebesar Rp50.000.000.000. provide a credit facility of Rp50,000,000,000. The credit facility
Fasilitas kredit harus ditarik penuh dalam waktu 6 bulan setelah must be fully drawn within six months from the agreement date.
tanggal perjanjian. Fasilitas kredit terakhir dicairkan pada 30 The last drawdown of the facility was made on January 30, 2025,
Januari 2025 dan akan jatuh tempo pada 29 Januari 2027 dengan and it will mature on January 29, 2027, bearing interest at JIBOR
tingkat suku bunga sebesar JIBOR ditambah margin 0,85%. plus a margin of 0.85%.
PT Bank Permata Tbk PT Bank Permata Tbk
Bank memperoleh fasilitas pinjaman dari PT Bank Permata Tbk Bank obtained a loan facility from PT Bank Permata Tbk based
berdasarkan perubahan dan penyataan kembali perjanjian fasilitas on the amendment and restatement of the interbank loan facility
pinjaman antarbank No.0001/PKS/FI/BANKS/WB/03/2024, PT agreement No.0001/PKS/FI/BANKS/WB/03/2024, PT Bank
Bank Permata Tbk menyetujui untuk memberikan fasilitas kredit Permata Tbk agreed to provide a credit facility with a principal
dengan jumlah pokok tidak melebihi Rp100.000.000.000. Fasilitas amount not exceeding Rp100,000,000,000. The credit facility can
kredit dapat ditarik dalam 3 (tiga) tahap selama jangka waktu be drawn in 3 (three) tranches during the withdrawal availability
ketersediaan penarikan dengan jumlah keseluruhan dari fasilitas period with the total amount of the credit facility must be fully
kredit harus ditarik penuh. Tingkat suku bunga sebesar JIBOR drawn. The interest rate is JIBOR plus a margin of 1% per
ditambah marjin 1% per tahun. Fasilitas kredit telah dicairkan pada annum. The credit facility has been disbursed on May 28, 2024
28 Mei 2024 dan akan jatuh tempo tanggal 6 Maret 2026. and will mature on March 6, 2026.
62
Page 607
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. PINJAMAN YANG DITERIMA (lanjutan) 18. BORROWINGS (continued)
PT Bank Permata Tbk (lanjutan) PT Bank Permata Tbk (continued)
Bank memperoleh Pinjaman Antarbank dari PT Bank Permata Tbk The Bank obtained an Interbank Loan from PT Bank Permata
berdasarkan perjanjian nomor: 0001/PKS/FI/BANKS/PB/01/2025 Tbk based on Agreement No.0001/PKS/FI/BANKS/PB/01/2025
tanggal 20 Januari 2025, PT Bank Permata Tbk menyetujui untuk dated January 20, 2025. Under the agreement, PT Bank Permata
memberikan fasilitas kredit sebesar Rp50.000.000.000. Fasilitas Tbk agreed to provide a credit facility amounting to
kredit dapat ditarik dalam 3 (tiga) tahap selama jangka waktu Rp50,000,000,000. The credit facility may be drawn in three (3)
ketersediaan penarikan dengan jumlah keseluruhan dari fasilitas tranches during the availability period, with the total amount of
kredit harus ditarik penuh dalam waktu 1 bulan setelah tanggal the facility required to be fully drawn within one month from the
perjanjian. Tingkat suku bunga Jibor untuk 1 bulan ditambah marjin agreement date. The facility bears interest at one-month JIBOR
0,85% per tahun. Fasilitas kredit telah dicairkan pada 24 Januari plus a margin of 0.85% per annum. The facility was disbursed on
2025 dan akan jatuh tempo tanggal 22 Januari 2027. January 24, 2025 and will mature on January 22, 2027.
Ikhtisar perubahan saldo pinjaman yang diterima: Summary of changes in loan balances received:
2025 2024
Saldo awal 550.000.000.000 550.000.000.000 Beginning balance
Pencairan 500.000.000.000 100.000.000.000 Drawdown
Pembayaran (550.000.000.000) (100.000.000.000) Payment
Jumlah 500.000.000.000 550.000.000.000 Total
- -
19. PERPAJAKAN 19. TAXATION
a. Utang pajak a. Taxes payable
2025 2024
Pajak penghasilan pasal 29 20.030.537.791 24.599.132.268 Income tax article 29
Pajak penghasilan pasal 4 (2) 6.753.389.320 5.631.925.224 Income tax article 4 (2)
Pajak penghasilan pasal 21 2.061.489.650 3.013.801.062 Income tax article 21
Pajak penghasilan pasal 25 - 377.760.125 Income tax article 25
Pajak penghasilan pasal 25 8.754.375 - Income tax article 26
Pajak penghasilan pasal 23 145.323.071 110.539.766 Income tax article 23
Pajak Pertambahan Nilai 37.576.896 38.987.393 Value added tax
Jumlah 29.037.071.103 33.772.145.838 Total
- -
b. Beban pajak penghasilan b. Income tax expenses
2025 2024
Kini (56.144.347.160) (36.350.152.740) Current
Tangguhan 4.331.547.858 18.403.874.750 Deferred
Pajak sehubungan dengan Tax related to
Surat Ketetapan Pajak (SKP) (2.162.783.700) (203.257.138) tax assessment letter (SKP)
Jumlah (53.975.583.002) (18.149.535.128) Total
- -
Pemeriksaan terhadap kewajiban perpajakan untuk tahun Audit of tax obligations for the 2022 tax year
pajak 2022
Bank menerima Surat Permintaan Penjelasan atas Data The Bank received a Request for Explanation of Data and/or
dan/atau Keterangan (SP2DK) No.S- Information (SP2DK) No.S-233/P2DK/KKP.0708/2025 on
233/P2DK/KKP.0708/2025 pada tanggal 24 Juni 2025 yang June 24, 2025, which stipulates that the Bank has underpaid
menetapkan bahwa Bank kurang bayar PPh Badan tahun its 2022 corporate income tax due to a fiscal CKPN
2022 akibat perhitungan CKPN fiskal sebesar calculation of Rp2,162,783,700 and the imposition of Value
Rp2.162.783.700 dan pengenaan Pajak Pertambahan Nilai Added Tax (VAT) on the sale of fixed assets of Rp2,211,000.
(PPN) atas penjualan aset tetap Rp2.211.000.
63
Page 608
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
19. PERPAJAKAN (lanjutan) 19. TAXATION (continued)
c. Pajak kini c. Current tax
Rekonsiliasi antara laba sebelum beban pajak seperti yang The reconciliation between income before tax expense, as
disajikan dalam laporan laba rugi dan penghasilan shown in the statements of profit or loss and other
komprehensif lain dan taksiran penghasilan kena pajak untuk comprehensive income and estimated taxable income for
tahun yang berakhir pada 31 Desember 2025 dan 2024 years ended December 31, 2025 and 2024 are as follows:
adalah sebagai berikut:
2025 2024
Laba sebelum pajak menurut Income before tax per
laporan laba rugi 213.950.154.295 68.137.535.071 statement of profit or loss
Perbedaan temporer Temporary differences
Penyisihan kerugian Allowance for impairment
penurunan nilai aset keuangan: losses on financial assets:
- Pinjaman yang diberikan 11.687.850.886 76.591.074.584 Loans -
- Transaksi rekening administrasi (650.362.680) 601.556.787 Transaction of administrative accounts -
Penyusutan aset hak guna (174.065.552) (55.824.121) Depreciation of right of use assets
Penyusutan aset tetap Depreciation of fixed assets
dan aset takberwujud 2.363.748.552 2.805.140.688 and intangible assets
Penyisihan HRD 283.758.913 773.492.791 HRD allowance
Bonus karyawan 2.557.846.416 555.056.524 Employee bonus
Liabilitas imbalan pasca kerja 3.620.077.367 2.383.478.889 Post-employment benefits liabilities
Jumlah perbedaan temporer 19.688.853.902 83.653.976.142 Total temporary differences
Perbedaan tetap Permanent differences
Beban yang tidak dapat dikurangkan
untuk tujuan perpajakan: Non-deductible expenses:
Penyisihan kerugian penurunan nilai Allowance for impairment losses on
agunan yang diambil alih 18.637.717.529 11.231.022.144 foreclosed assets
Pendidikan dan pelatihan 1.046.508.852 - Education and training
Pajak 503.596.046 500.000 Taxes
Tenaga ahli 479.300.886 1.654.674.683 Professional services
Kantor 466.139.000 424.608.163 Office
Kesehatan dan premi asuransi 50.000.000 - Health and insurance premiums
Penyisihan kerugian penurunan nilai Allowance for impairment losses on
surat berharga 30.000.000 - marketable securites
Promosi 5.000.000 - Promotion
Sewa 24.000 1.809.000 Rental
Pemeliharaan dan perbaikan 9.000 37.240 Repair and maintenance
Lain-lain 344.274.490 123.804.557 Others
Jumlah perbedaan tetap 21.562.569.803 13.436.455.787 Total permanent differences
Laba kena pajak 255.201.578.000 165.227.967.000 Taxable income
Beban pajak penghasilan 56.144.347.160 36.350.152.740 Income tax expense
Pajak dibayar di muka Prepaid tax
Pajak penghasilan pasal 25 36.113.809.369 11.373.260.347 Income tax article 25
Kurang bayar pajak penghasilan 20.030.537.791 24.976.892.393 Under payment income tax
Perhitungan pajak penghasilan badan untuk tahun yang The calculation of corporate income tax for the year ended
berakhir pada tanggal 31 Desember 2024 telah sesuai dengan December 31, 2024 is in accordance with the Annual
Surat Pemberitahuan Tahunan yang dilaporkan ke kantor Corporate Income Tax Return reported to the Tax Office.
pajak.
Sesuai dengan peraturan perpajakan Indonesia, Bank In compliance with Indonesian tax regulations, Bank
menghitung, menetapkan dan membayar sendiri jumlah pajak determines and pays its tax obligations/payables based on
yang terhutang (self-assesment system). Direktorat Jenderal self-assessment. Directorate General of Tax may assess or
Pajak dapat menghitung dan mengubah kewajiban pajak amend taxes within five years from the date the tax became
dalam batas waktu lima tahun sejak tanggal terutangnya due.
pajak.
Pada tanggal 29 Oktober 2021, Pemerintah mengesahkan On October 29, 2021, the Government ratified Law (UU)
Undang-Undang (UU) No.7 Tahun 2021 tentang Harmonisasi No.7 of 2021 concerning the Harmonization of Tax
Peraturan Perpajakan. Tarif pajak penghasilan wajib pajak Regulations. The income tax rate for domestic corporate
badan dalam negeri dan bentuk usaha tetap sebesar 22% taxpayers and permanent establishments is 22% which will
yang mulai berlaku pada tahun pajak 2022 dan seterusnya, come into effect from the fiscal year 2022 onwards, and a
serta pengurangan lebih lanjut tarif pajak sebesar 3% untuk further reduction of the tax rate by 3% for domestic
wajib pajak dalam negeri yang memenuhi persyaratan taxpayers who meet certain requirements.
tertentu.
64
Page 609
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
19. PERPAJAKAN (lanjutan) 19. TAXATION (continued)
d. Rekonsiliasi tarif pajak d. Tax rate reconciliation
Rekonsiliasi antara laba sebelum beban pajak seperti yang The reconciliation between income before tax expense, as
disajikan dalam laporan laba rugi dan penghasilan shown in the statements of profit or loss and other
komprehensif lain dan taksiran penghasilan kena pajak untuk comprehensive income and estimated taxable income for
tahun yang berakhir pada 31 Desember 2025 dan 2024 years ended December 31, 2025 and 2024 are as follows:
adalah sebagai berikut:
2025 2024
Laba sebelum pajak menurut Income before tax per
laporan laba rugi 213.950.154.295 68.137.535.071 statement of profit or loss
Pajak dihitung pada tarif pajak tunggal (47.069.033.945) (14.990.257.716) Tax calculated at single rates
Perbedaan tetap Permanent differences
Beban yang tidak dapat dikurangkan
untuk tujuan perpajakan: Non-deductible expenses:
Penyisihan kerugian penurunan nilai Allowance for impairment losses on
agunan yang diambil alih (4.100.297.857) (2.470.824.872) foreclosed assets
Pendidikan dan pelatihan (230.231.947) - Education and training
Pajak (110.791.130) (110.000) Taxes
Tenaga ahli (105.446.195) (364.028.430) Professional services
Kantor (102.550.580) (93.413.796) Office
Kesehatan dan premi asuransi (11.000.000) - Health and insurance premiums
Penyisihan kerugian penurunan nilai Allowance for impairment losses on
surat berharga (6.600.000) - marketable securites
Promosi (1.100.000) - Promotion
Sewa (5.280) (397.980) Rental
Pemeliharaan dan perbaikan (1.980) (8.193) Repair and maintenance
Lain-lain (75.740.388) (27.237.003) Others
Jumlah (4.743.765.357) (2.956.020.274) Total
Beban pajak sehubungan dengan Tax expenses related to
Surat Ketetapan Pajak (SKP) (2.162.783.700) (203.257.138) Tax Assesstment Letter (SKP)
Jumlah beban pajak penghasilan (53.975.583.002) (18.149.535.128) Total income tax expenses
- -
--- Sheet "DT" (Catatan 19e)
65
Page 610
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
19. PERPAJAKAN (lanjutan) 19. TAXATION (continued)
e. Aset pajak tangguhan e. Deferred tax assets
Pengaruh pajak tangguhan atas beda temporer yang signifikan antara pelaporan The tax effects of significant temporary differences between commercial reporting and tax
komersial dan perpajakan adalah sebagai berikut: purposes are as follows:
Diakui pada
penghasilan
Diakui pada komprehensif
laporan laba rugi/ lain/ Recognised
31 Desember/ Recognised in in other 31 Desember/
December 31 , statements of comprehensive December 31,
2024 profit or loss income 2025
Penyisihan kerugian penurunan nilai Allowance for impairment losses
- Pinjaman yang diberikan 192.134.022 2.571.327.195 - 2.763.461.217 Loans -
- Transaksi rekening administratif 270.460.649 (143.079.790) - 127.380.859 Transactions of administrative accounts -
Penyusutan aset tetap dan aset takberwujud (80.433.985) 520.024.681 - 439.590.696 Depreciation of fixed assets and intangible assets
Liabilitas imbalan pasca kerja 3.487.684.580 796.417.020 310.027.260 4.594.128.860 Post-employment benefits liabilities
Penyisihan HRD 1.514.840.241 62.426.961 - 1.577.267.202 HRD allowance
Bonus karyawan 1.266.112.435 562.726.212 - 1.828.838.647 Employee bonus
Penyusutan aset hak guna 197.869.785 (38.294.421) - 159.575.364 Depreciation of right of assets
Keuntungan (kerugian) yang belum direalisasi Unrealised gain (loss)
atas efek yang diukur pada nilai wajar on marketable securities at fair value
melalui penghasilan komprehensif lain 38.490.710 - (810.335.463) (771.844.753) thorugh other comprehensive income
Aset pajak tangguhan - bersih 6.887.158.437 4.331.547.858 (500.308.203) 10.718.398.092 Deferred tax assets - net
-
66
Page 611
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
19. PERPAJAKAN (lanjutan) 19. TAXATION (continued)
e. Aset pajak tangguhan (lanjutan) e. Deferred tax assets (continued)
Pengaruh pajak tangguhan atas beda temporer yang signifikan antara pelaporan The tax effects of significant temporary differences between commercial reporting and tax
komersial dan perpajakan adalah sebagai berikut: (lanjutan) purposes are as follows: (continued)
Diakui pada
penghasilan
Diakui pada komprehensif
laporan laba rugi/ lain/ Recognised
31 Desember/ Recognised in in other 31 Desember/
December 31, statements of comprehensive December 31,
2023 profit or loss income 2024
Penyisihan kerugian penurunan nilai Allowance for impairment losses
- Pinjaman yang diberikan (16.657.902.386) 16.850.036.408 - 192.134.022 Loans -
- Transaksi rekening administratif 138.118.156 132.342.493 - 270.460.649 Transactions of administrative accounts -
Penyusutan aset tetap dan aset takberwujud (697.564.936) 617.130.951 - (80.433.985) Depreciation of fixed assets and intangible assets
Liabilitas imbalan pasca kerja 3.342.654.370 524.365.355 (379.335.145) 3.487.684.580 Post-employment benefits liabilities
Penyisihan HRD 1.344.671.827 170.168.414 - 1.514.840.241 HRD allowance
Bonus karyawan 1.144.000.000 122.112.435 - 1.266.112.435 Employee bonus
Penyusutan aset hak guna 210.151.091 (12.281.306) - 197.869.785 Depreciation of right of assets
Keuntungan (kerugian) yang Unrealised gain (loss)
belum direalisasi atas efek yang on marketable securities
diukur pada nilai wajar melalui at fair value through
penghasilan komprehensif lain - - 38.490.710 38.490.710 other comprehensive income
Aset (liabilitas) pajak tangguhan - bersih (11.175.871.878) 18.403.874.750 (340.844.435) 6.887.158.437 Deferred tax assets (liabilities) - net
-
Sesuai dengan ketentuan peralihan dalam Peraturan Menteri Keuangan Republik Based on the transitional provisions in the Regulation of the Minister of Finance of the
Indonesia Nomor 74 Tahun 2024, Bank telah melaksanakan perhitungan nilai tercatat Republic of Indonesia Number 74 of 2024, Bank has calculated the carrying value of the
cadangan piutang tak tertagih untuk awal tahun fiskal 2024 dan selisih sebesar allowance for doubtful accounts for the beginning of the fiscal year 2024, and the difference of
Rp75.717.738.117 diakui sebagai pendapatan seluruhnya untuk tahun fiskal 2024. Rp75,717,738,117 recognised as an income in full for the fiscal year 2024. In relation to the
Terkait dengan hal tersebut, aset pajak tangguhan yang diakui Bank pada tahun fiskal above, deferred tax assets recognised by the Bank in the fiscal year 2024 amounted to
2024 sebesar Rp16.657.902.386. Rp16,657,902,386.
67
Page 612
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. LIABILITAS IMBALAN PASCA KERJA 20. POST-EMPLOYMENT BENEFITS LIABILITIES
Liabilitas imbalan pasca kerja pada tanggal 31 Desember 2025 Liabilities for post-employment benefits as of December 31, 2025
dan 2024 merupakan hasil perhitungan aktuaris independen and 2024, is based on independent actuarial calculation using the
dengan menggunakan metode projected-unit-credit sesuai dengan projected-unit-credit as required by PSAK 219 regarding
yang dipersyaratkan oleh PSAK 219 mengenai Imbalan Kerja. Employee Benefits.
Perhitungan liabilitas imbalan pasca kerja pada tanggal 31 The calculation of post-employment benefit liabilities as of
Desember 2025 dan 2024 dilakukan oleh aktuaris independen December 31, 2025 and 2024 carried out by an independent
Kantor Konsultan Aktuaria Steven & Mourits masing-masing actuary, Kantor Konsultan Aktuaria Steven & Mourits based on
berdasarkan laporan aktuaris tertanggal 26 Februari 2026 dan 13 based actuarial report dated February 26, 2026 and January 13,
Januari 2025. 2025, respectively.
Rekonsiliasi atas perubahan aset program dan estimasian liabilitas The reconciliation of the movements of plan assets and liabilities
imbalan kerja adalah sebagai berikut: employee benefits estimation are as follows:
2025 2024
Nilai kini kewajiban 20.882.403.911 15.853.111.726 Present value defined benefit obligation
Nilai wajar aset program - - Fair value plan assets
Status pendanaan 20.882.403.911 15.853.111.726 Funding status
Dampak pembatasan aset - - Effect of application of asset ceiling
Tidak didanai 20.882.403.911 15.853.111.726 Unfunded
Rekonsiliasi perubahan saldo liabilitas imbalan pasca kerja untuk Reconciliation of changes in the post-employment benefit
tahun yang berakhir 31 Desember 2025 dan 2024 adalah sebagai liabilities for the years ended December 31, 2025 dan 2024, were
berikut: as follows:
2025 2024
Saldo awal 15.853.111.726 15.193.883.496 Beginning balance
Beban jasa kini 3.774.586.149 3.353.973.682 Current service cost
Beban bunga 1.090.329.220 961.033.050 Interest cost
Pengakuan liabilitas masa kerja lalu 67.895.376 51.632.157 Recognition of past services liabilities
Pembayaran selama tahun berjalan (1.312.733.378) (1.983.160.000) Payments of benefits during the current year
Laba pengukuran kembali: Gain of remeasurements:
Perubahan asumsi pengalaman 171.776.285 (1.184.017.632) Changes in experience assumptions
Perubahan asumsi keuangan 1.237.438.533 (540.233.027) Changes in financial assumptions
Saldo akhir 20.882.403.911 15.853.111.726 Ending balance
- -
Beban liabilitas imbalan pasca kerja yang diakui di dalam laporan Post-employment benefit liabilities expenses recognized in
laba rugi adalah sebagai berikut: statements of profit or loss are as follows:
2025 2024
Beban jasa kini 3.774.586.149 3.353.973.682 Current service cost
Beban bunga 1.090.329.220 961.033.050 Interest cost
Pengakuan liabilitas masa kerja lalu 67.895.376 51.632.157 Recognition of past services liabilities
Beban terminasi 1.359.379.101 1.156.669.517 Termination cost
Jumlah 6.292.189.846 5.523.308.406 Total
#REF! #REF!
Pengukuran kembali kerugian di penghasilan komprehensif lain Remeasurement of loss in other comprehensive income is as
adalah sebagai berikut: follows:
2025 2024
Saldo awal 2.116.936.959 3.841.187.618 Beginning balance
Perubahan asumsi pengalaman 171.776.285 (1.184.017.632) Changes in experience assumptions
Perubahan asumsi keuangan 1.237.438.533 (540.233.027) Changes in financial assumptions
Saldo akhir 3.526.151.777 2.116.936.959 Ending balance
- -
68
Page 613
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. LIABILITAS IMBALAN PASCA KERJA (lanjutan) 20. POST-EMPLOYMENT BENEFITS LIABILITIES (continued)
Perhitungan aktuaria atas program pensiun dilakukan dengan The actuarial valuation of defined benefits pensionwas carried
menggunakan menggunakan metode “Projected Unit Credit” dan out using the "Projected Unit Credit" method and using
asumsi-asumsi sebagai berikut: assumptions as follows:
2025 2024
Usia pensiun normal 55 tahun/years 55 tahun/years Normal retirement age
4,00% per 4,00% per
Tingkat kenaikan gaji Salary increment rate
tahun/per year tahun/per year
6,50% per 7,10% per
Tingkat diskonto Discount rate
tahun/per year tahun/per year
Tingkat mortalita TMI 4 (2019) TMI 4 (2019) Mortality rate
Tingkat kecacatan 10% dari tingkat mortalita/10% from mortality rate Disability rate
0,10% per tahun sampai usia 29 tahun menurun 0,01% usia 54 tahun/
Tingkat pengunduran diri Resignation rate
0.10% p.a. until age 29 years then decrease to 0.01% at age 54 years
Analisis sensitivitas Sensitivity analysis
Sensitivitas dari nilai kini liabilitas imbalan kerja terhadap The sensitivity of the present value of employee benefit liabilities
perubahan asumsi aktuaria adalah sebagai berikut: to changes in the actuarial assumptions is as follow:
Nilai kini kewajiban/
Perubahan asumsi/ Present value of obligation
Change in assumptions 2025 2024
Asumsi dasar Basic assumption
+ 1% 19.270.018.222 14.609.366.395
Tingkat diskonto Discount rate
- 1% 22.711.803.917 17.265.716.350
+ 1% 22.844.922.622 17.375.434.075
Tingkat kenaikan gaji Salary increase rate
- 1% 19.130.248.073 14.496.322.630
Analisis profil jatuh tempo pembayaran program imbalan pasti Maturity profile analysis of payment defined benefit obligation are
adalah sebagai berikut: as follows:
2025 2024
< 1 tahun 2.608.826.934 960.978 < 1 year
1 - 2 tahun 1.852.349.875 2.168.595.823 1 - 2 years
3 - 5 tahun 2.501.091.025 3.036.249.997 3 - 5 years
6 - 10 tahun 14.197.496.940 9.804.810.946 6 - 10 years
> 10 tahun 49.424.774.652 39.004.297.122 > 10 years
21. LIABILITAS SEWA 21. LEASE LIABILITIES
2025 2024
Bangunan 1.417.220.760 2.516.928.275 Buildings
Kendaraan 6.355.693.004 6.285.705.254 Vehicles
Peralatan kantor 182.030.959 269.955.024 Office equipment
Lainnya 443.943.081 1.879.631.339 Other
Jumlah 8.398.887.804 10.952.219.892 Total
- -
Berikut ini ringkasan komponen perubahan liabilitas yang timbul The following summarizes the component of changes in the
dari sewa: liabilities arising from leases:
2025 2024
Saldo awal 10.952.219.892 9.845.058.629 Beginning balance
Arus kas (7.989.676.955) (14.652.858.695) Cash flows
Perubahan non kas - penambahan 5.436.344.867 15.760.019.958 Non cash change - additions
Saldo akhir 8.398.887.804 10.952.219.892 Ending balance
- -
69
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The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
22. LIABILITAS LAIN-LAIN 22. OTHER LIABILITIES
2025 2024
Bonus karyawan 8.312.902.940 5.755.056.524 Production service bonus
Penyisihan HRD 7.473.591.866 6.893.373.875 HRD allowance
Beban retail loan 1.458.434.354 2.120.090.346 Retail loan expenses
Annual fee and report 726.612.630 750.000.000 Annual fee and report
Kerugian penurunan nilai atas Impairment losses on transactions
transaksi rekening administratif 579.003.903 1.229.366.583 of administrative accounts
Komunikasi metro ethernet 510.000.000 506.584.728 Metro ethernet communication
Jaminan safety deposit box 187.850.000 165.100.000 Collateral of safety deposit box
Corporate card 125.000.000 270.000.000 Corporate card
Premi asuransi - 68.339.422 Insurance premium
Lain-lain 11.415.427.888 7.762.238.806 Others
Jumlah 30.788.823.581 25.520.150.284 Total
- -
Liabilitas lain-lain ("lain-lain") terdiri dari antara lain biaya listrik, Other liabilities ("others") consist of, among others, electricity,
telepon, internet, alih daya, fixed report pefindo, perizinan sertifikat telephone, internet, outsourcing, pefindo fixed report, license of
laik fungsi, anti-virus dan lain-lain. functional certificate, anti-virus and others.
Pada tanggal 31 Desember 2025 dan 2024, perubahan penyisihan As of December 31, 2025 and 2024, the movements of the
kerugian penurunan nilai atas transaksi rekening administratif allowance for impairment losses for transactions of administrative
adalah sebagai berikut: accounts are as follows:
2025 2024
Saldo awal 1.229.366.583 627.809.796 Beginning balance
Penyisihan (pemulihan) Allowance (recovery)
selama tahun berjalan (650.362.680) 601.556.787 during the year
Saldo akhir 579.003.903 1.229.366.583 Ending balance
- -
23. MODAL SAHAM 23. CAPITAL STOCK
Pada tanggal 31 Desember 2025 dan 2024, susunan pemegang As of December 31, 2025 and 2024, the composition of the
saham adalah sebagai berikut: shareholders is as follows:
2025
Persentase Jumlah
Jumlah kepemilikan/ modal disetor/
Pemegang Saham/ lembar saham/ Percentage of Total paid-in
Shareholders Number of shares ownership capital
Ok Next Co, Ltd. 15.288.673.243 90,51% 1.528.867.324.300
Masyarakat 1.603.717.942 9,49% 160.371.794.200
Jumlah/Total 16.892.391.185 100,00% 1.689.239.118.500
-
2024
Persentase Jumlah
Jumlah kepemilikan/ modal disetor/
Pemegang Saham/ lembar saham/ Percentage of Total paid-in
Shareholders Number of shares ownership capital
Ok Next Co, Ltd. 15.288.673.243 89,73% 1.528.867.324.300
Masyarakat 1.603.717.942 9,41% 160.371.794.200
16.892.391.185 99,15% 1.689.239.118.500
Saham treasuri/Treasury stock 145.401.089 0,85% 14.540.108.900
Jumlah/Total 17.037.792.274 100,00% 1.703.779.227.400
-
Berdasarkan akta No.2 tanggal 1 Oktober 2025 tentang Based on deed No.2 dated October 1, 2025 about "Extraordinary
"Pernyataan Keputusan Rapat Umum Pemegang Saham Luar General Meeting of Shareholders" of notary Agung Iriantoro,
Biasa" yang dibuat dihadapan notaris Agung Iriantoro, S.H., M.H., S.H., M.H., a notary in Jakarta. Bank stated that the composition
notaris Jakarta. Bank menyatakan bahwa komposisi kepemilikan of the company's legal ownership is Ok Next Co, Ltd as
saham perseroan adalah Ok Next Co, Ltd selaku pemegang shareholders of 15,288,673,243 shares and public shareholders
saham 15.288.673.243 saham dan masyarakat pemegang saham of 1,603,717,942 shares worth Rp100. The deed has been
1.603.717.942 saham bernilai Rp100. Akta tersebut telah approved by the Ministry of Law and Human Rights with Decree
mendapat persetujuan dari Kementerian Hukum dan Hak Asasi No.AHU-AH..01.03-0239856 dated October 1, 2025.
Manusia dengan Surat Keputusan No.AHU-AH.01.03-0239856
tanggal 1 Oktober 2025.
70
Page 615
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
23. MODAL SAHAM (lanjutan) 23. CAPITAL STOCK (continued)
Berdasarkan akta No.1 tanggal 4 Januari 2024 tentang Based on deed No.1 dated January 4, 2024 about "Affirmation of
"Penegasan komposisi kepemilikan modal" yang dibuat dihadapan capital ownership composition" of notary Agung Iriantoro, S.H.,
notaris Agung Iriantoro, S.H., M.H, notaris Jakarta. Bank M.H, a notary in Jakarta. Bank stated that the composition of the
menyatakan bahwa komposisi kepemilikan saham perseroan company's legal ownership is APRO Financial Co, Ltd changed to
adalah APRO Financial Co, Ltd berubah menjadi Ok Next Co, Ltd Ok Next Co, Ltd based on the notarial certificate dated October
berdasarkan sertifikat notaris tanggal 31 Oktober 2023 selaku 31, 2023 as shareholders of 15,288,673,243 shares and public
pemegang saham 15.288.673.243 saham dan masyarakat shareholders of 1,749,119,031 shares worth Rp100. The deed
pemegang saham 1.749.119.031 saham bernilai Rp100. Akta has been approved by the Ministry of Law and Human Rights
tersebut telah mendapat persetujuan dari Kementerian Hukum dan with Decree No.AHU-AH.01.09-0005330 dated January 5, 2024.
Hak Asasi Manusia dengan Surat Keputusan No.AHU-AH.01.09-
0005330 tanggal 5 Januari 2024.
24. SAHAM TREASURI 24. TREASURY STOCKS
Pada tanggal 1 Oktober 2025, Bank melakukan pengalihan saham On October 1, 2025, the Bank transferred treasury shares by
tresuri dengan ditarik kembali dengan cara pengurangan modal repurchasing 145,401,089 shares or Rp55,201,439,696,
saham sebanyak 145.401.089 lembar saham atau sebesar consisting of share capital of Rp14,540,108,900 and share
Rp55.201.439.696 yang terdiri dari modal saham sebesar premium of Rp40,661,330,796. The transfer of shares was
Rp14.540.108.900 dan agio saham sebesar Rp40.661.330.796. approved based on the notarial deed of Agung Irianti, S.H., M.H,
Pengalihan saham tersebut telah disahkan berdasarkan akta No. 2 dated October 1, 2025.
notaris Agung Irianti, S.H., M.H, No.2 tanggal 1 Oktober 2025.
Pada tanggal 29 Juli 2019, Bank melakukan pembelian kembali On July 29, 2019, the Bank bought back as many as 145,401,089
(buy back ) sebanyak 145.401.089 lembar saham atau sebesar shares or Rp55,201,439,696 which were minority shares owned
Rp55.201.439.696 yang merupakan saham-saham minoritas yang by Kevin Tirta Tanujaya as many as 50,000 shares or
dimiliki oleh Kevin Tirta Tanujaya sebanyak 50.000 lembar saham Rp19,529,250, Andy Tanujaya as many as 2,314,000 shares or
atau sebesar Rp19.529.250, Andy Tanujaya sebanyak 2.314.000 as Rp903,813,690, Hadi Widjaja Sidarta as many as 80,750,000
lembar saham atau sebesar Rp903.813.690, Hadi Widjaja Sidarta shares or Rp31,539,738,750, Herry Harsini Widjaja as many as
sebanyak 80.750.000 lembar saham atau sebesar 25,364,690 shares or Rp9,907,067,444 and I Wayan Gatha as
Rp31.539.738.750, Herry Harsini Widjaja sebanyak 25.364.690 many as 36,922,399 shares or Rp12,831,290,562. Buy back of
lembar saham atau sebesar Rp9.907.067.444 dan I Wayan Gatha minority shares has been validated based on the notarial deed of
sebanyak 36.922.399 lembar saham atau sebesar Dewi Kusumawati, S.H., No.3 dated August 2, 2019.
Rp12.831.290.562. Pembelian kembali (buy back ) saham-saham
minoritas telah disahkan berdasarkan akta notaris Dewi
Kusumawati, S.H., No.3 tanggal 2 Agustus 2019.
25. TAMBAHAN MODAL DISETOR 25. ADDITIONAL PAID-IN CAPITAL
2025 2024
Agio saham dari Premium on share capital
dari Penawaran Umum Perdana 5.000.000.000 5.000.000.000 from Initial Public Offering
Biaya emisi saham (4.828.000.000) (4.828.000.000) Share issuance cost
Aset pengampunan pajak 300.000.000 300.000.000 Tax amnesty assets
Efek penggabungan usaha 667.012.872.104 667.012.872.104 Merger effect
Agio saham treasuri - 40.661.330.796 Premium on treasury stocks
Agio saham dari Premium on share capital
Penawaran Umum Terbatas I 245.874.619.039 245.874.619.039 from Limited Public Offering I
Agio saham dari Premium on share capital
Penawaran Umum Terbatas II 231.034.182.538 231.034.182.538 from Limited Public Offering II
Biaya emisi saham (1.074.412.141) (1.074.412.141) Share issuance cost
Agio saham dari Premium on share capital
Penawaran Umum Terbatas III 246.108.118.215 246.108.118.215 from Limited Public Offering III
Biaya emisi saham (1.080.241.086) (1.080.241.086) Share issuance cost
Agio saham dari Premium on share capital
Penawaran Umum Terbatas IV 205.646.501.410 205.646.501.410 from Limited Public Offering IV
Biaya emisi saham (1.169.086.330) (1.169.086.330) Share issuance cost
Jumlah 1.592.824.553.749 1.633.485.884.545 Total
- -
Aset pengampunan pajak sebesar Rp300.000.000 diakui Tax amnesty assets amounting to Rp300,000,000 was
berdasarkan Surat Keterangan Pengampunan Pajak (SKPP) recognized based on tax amnesty letter (SKPP) No.KET-
No.KET-1701/PP/WPJ.07/2016 tanggal 30 Desember 2016. 1701/PP/WPJ.07/2016 dated December 30, 2016.
71
Page 616
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
26. CADANGAN UMUM DAN WAJIB 26. GENERAL AND LEGAL RESERVES
Cadangan umum dan wajib pada awalnya dibentuk dalam rangka The general and legal reserves were originally provided in
memenuhi ketentuan Pasal 61 ayat (1) Undang-undang No.1/1995 accordance with Indonesian Limited Liability Company Law
mengenai Perseroan Terbatas (kemudian diganti dengan Undang- No.1/1995 article 61 paragraph (1) (later superseded by Limited
undang Perseroan Terbatas No.40/2007 pasal 70), yang Liability Company Law No.40/2007 article 70), which requires
mengharuskan perusahaan Indonesia untuk membuat penyisihan Indonesian companies to set up a general and legal reserve
cadangan umum dan wajib sebesar sekurang-kurangnya 20% dari amounting to at least 20% of the issued and paid-up share
jumlah modal yang ditempatkan dan disetor penuh. Undang- capital. This particular law does not regulate the period of time in
undang tersebut tidak mengatur jangka waktu untuk pembentukan relation to the provision of such reserves.
penyisihan tersebut.
Berdasarkan Akta Pernyataan Keputusan Rapat Umum Pemegang Based on the Deed of Decision of the General Meeting of
Saham No.11 tanggal 22 Mei 2025, pemegang saham menyetujui Shareholders No.11 dated May 22, 2025, the shareholders
penggunaan laba tahun buku 2024 sampai dengan 20% disisihkan approved the use of the 2024 financial year profit up to 20% set
sebagai cadangan atau sebesar Rp9.997.599.989. aside as reserves or amounted to Rp9.997.599.989.
Berdasarkan Akta Pernyataan Keputusan Rapat Umum Pemegang Based on the Deed of Decision of the General Meeting of
Saham No.10 tanggal 15 Mei 2024, pemegang saham menyetujui Shareholders No.10 dated May 15, 2024, the shareholders
penggunaan laba tahun buku 2023 sampai dengan 20% disisihkan approved the use of the 2023 financial year profit up to 20% set
sebagai cadangan atau sebesar Rp5.730.356.571. aside as reserves or amounted to Rp5,730,356,571.
Saldo cadangan ditentukan penggunaannya pada tanggal 31 Appropriated reserves balance as of December 31, 2025 and
Desember 2025 dan 2024 adalah masing-masing sebesar 2024 amounted to Rp47,484,054,393 and Rp37,486,454,404,
Rp47.484.054.393 dan Rp37.486.454.404. respectively.
27. SURPLUS REVALUASI 27. REVALUATION SURPLUS
2025 2024
Saldo awal 81.948.903.998 85.480.061.335 Beginning balance
Dipindahkan ke saldo laba (1.233.780.784) (3.531.157.337) Transferred to retained earnings
Jumlah 80.715.123.214 81.948.903.998 Total
- -
Surplus revaluasi dipindahkan ke saldo laba adalah sebesar The revaluation surplus transferred to retained earnings is the
perbedaan antara jumlah penyusutan berdasarkan nilai revaluasian difference between the amount of depreciation based on the
aset dan jumlah penyusutan berdasarkan biaya perolehan awal. revalued value of the asset and the amount of depreciation based
on initial cost.
28. PENDAPATAN BUNGA 28. INTEREST INCOME
2025 2024
Kredit yang diberikan 1.050.782.513.216 898.234.879.362 Loans
Efek-efek 114.102.725.813 98.247.279.809 Marketable securities
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 38.720.593.024 37.007.487.804 and other banks
Giro pada Bank Indonesia Current accounts with
dan bank lain 3.141.112.918 3.839.316.443 Bank Indonesia and other banks
Jumlah 1.206.746.944.971 1.037.328.963.418 Total
- -
Jumlah pendapatan bunga kepada pihak berelasi untuk tahun yang Total interest income to related parties for the years ended
berakhir pada 31 Desember 2025 dan 2024 masing-masing December 31, 2025 and 2024 amounted to Rp43,228,649,475
sebesar Rp43.228.649.475 dan Rp9.084.744.225. and Rp9,084,744,225.
72
Page 617
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. BEBAN BUNGA 29. INTEREST EXPENSES
2025 2024
Simpanan dari nasabah Deposits from customers
Tabungan 15.202.309.883 11.882.719.105 Savings deposits
Giro 30.514.557.151 25.101.974.636 Current accounts
Deposito berjangka 367.338.742.078 303.846.315.100 Time deposits
Simpanan dari bank lain Deposits from other banks
Tabungan 519.288.832 645.893.123 Savings deposits
Giro 10.095.139.086 8.602.447.244 Current accounts
Deposito berjangka 35.785.093.943 29.406.244.907 Time deposits
Interbank call money 1.430.294.444 192.340.278 Interbank call money
Pinjaman yang diterima 40.105.472.251 42.482.564.056 Borrowings
Premi penjaminan simpanan (Catatan 40) 16.879.622.032 13.749.139.701 Premium of deposits guarantee (Note 40)
Jumlah 517.870.519.700 435.909.638.150 Total
- -
Jumlah beban bunga kepada pihak berelasi untuk tahun yang Total interest expense to related parties for the years ended
berakhir pada 31 Desember 2025 dan 2024 masing-masing December 31, 2025 and 2024 amounted to Rp725,983,253 and
sebesar Rp725.983.253 dan Rp1.864.922.627. Rp1,864,922,627.
30. PENDAPATAN (BEBAN) OPERASIONAL LAINNYA 30. OTHER OPERATING INCOME (EXPENSES)
2025 2024
Pendapatan operasional lainnya Other operating income
Hapus buku 16.643.155.249 14.275.172.289 Write-off
Penalti dan denda 5.987.977.997 7.538.919.436 Penalty and sanction
Pendapatan administrasi 1.918.721.144 1.148.772.718 Administration income
Provisi dan komisi kredit 1.027.243.304 3.976.018.086 Fees and commissions related to loans
Transaksi ATM dan payment point 677.039.205 690.230.580 ATM transactions and payment point
Transfer, inkaso dan kliring 207.168.000 184.743.700 Transfers, cheques collection and clearing
Safety deposit boxes 146.619.864 122.000.000 Safety deposit boxes
Komisi asuransi, notaris dan appraisal 61.934.678 123.965.186 Insurance, notarial and appraisal commisions
Provisi dan komisi selain dari Fees and commissions not
kredit yang diberikan 6.475.676 8.744.946 related to loans
Lain-lain 5.269.932.367 227.742.299 Others
Jumlah 31.946.267.484 28.296.309.240 Total
- -
Pendapatan operasional lainnya - lain-lain, terutama terdiri dari Other operating income - others, mainly consisting of foreclosed
penyelesaian agunan yang diambil alih, penggantian buku assets settlement, replacement of passbooks/check/cheque.
tabungan/cek/bilyet giro.
31. BEBAN TENAGA KERJA 31. PERSONNEL EXPENSES
2025 2024
Gaji 100.829.193.424 90.894.791.940 Salary
Kesehatan dan premi asuransi 14.359.708.386 13.485.112.057 Medical and insurance premium
Kesejahteraan dan pensiun karyawan 11.175.139.412 9.795.957.815 Employee welfare and retirement
Imbalan pasca kerja (Catatan 19) 6.292.189.846 5.523.308.406 Post employment benefits (Note 19)
Pendidikan dan pelatihan 3.263.219.849 3.882.165.800 Training and education
Lain-lain 19.481.120.811 15.889.491.574 Others
Jumlah 155.400.571.728 139.470.827.592 Total
- -
Perincian gaji dan tunjangan untuk Dewan Komisaris dan Direksi Details of salaries and allowances for the Boards of
Bank untuk tahun yang berakhir 31 Desember 2025 dan 2024 Commissioners and Directors of the Bank for the years ended
adalah sebagai berikut: December 31, 2025 and 2024 are as follows:
2025 2024
Dewan Komisaris 1.428.000.000 1.586.104.839 Board of Commisioners
Dewan Direksi 12.315.955.942 11.175.935.350 Board of Directors
Jumlah 13.743.955.942 12.762.040.189 Total
73
Page 618
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
32. BEBAN UMUM DAN ADMINISTRASI 32. GENERAL AND ADMINISTRATIVE EXPENSES
2025 2024
Kantor 30.806.548.796 30.893.723.831 Office
Pemeliharaan dan perbaikan 26.064.893.012 26.794.699.731 Repair and maintenance
Penyusutan aset hak guna (Catatan 13) 12.533.706.723 13.293.538.098 Depreciation of right of use assets (Note 13)
Penyusutan aset tetap (Catatan 11) 10.477.088.057 13.493.391.740 Depreciation fixed assets (Note 11)
Fee dan komisi 9.966.222.108 9.269.699.946 Fees and commissions
Promosi 9.931.287.560 11.504.541.535 Promotion
Fasilitas IT dan komunikasi 6.859.943.464 7.230.209.490 IT and communication facilities
Amortisasi aset takberwujud (Catatan 12) 6.653.087.538 10.403.847.314 Amortization of intangible assets (Note 12)
Tenaga ahli 5.131.844.942 8.123.928.370 Professional services
Sewa 4.316.122.900 3.079.792.250 Rental
Pajak 1.570.551.399 824.785.202 Taxes
Premi asuransi 398.791.216 320.771.264 Insurance premium
Penelitian dan pengembangan 88.193.000 337.639.324 Research and developments
Lain-lain 14.102.939.638 8.160.386.198 Others
Jumlah 138.901.220.353 143.730.954.293 Total
- -
33. PENYISIHAN KERUGIAN PENURUNAN NILAI ATAS ASET 33. PROVISION FOR IMPAIRMENT LOSSES ON FINANCIAL AND
KEUANGAN DAN NON-KEUANGAN NON-FINANCIAL ASSETS
2025 2024
Pinjaman yang diberikan (Catatan 10) 194.270.635.815 266.861.251.748 Loans (Note 10)
Agunan yang diambil alih (Catatan 14) 18.637.717.529 11.231.022.144 Foreclosed assets (Note 14)
Efek-efek (Catatan 9) 30.000.000 - Marketable securities (Note 9)
Fasilitas kredit kepada nasabah Unused loans commitments
yang belum digunakan (Catatan 22) (650.362.680) 601.556.787 granted to customer (Note 22)
Jumlah 212.287.990.664 278.693.830.679 Total
- -
34. PENDAPATAN (BEBAN) NON-OPERASIONAL 34. NON-OPERATING INCOME (EXPENSE)
2025 2024
Pendapatan non-operasional Non-operating income
Laba penjualan aset tetap 33.342.317 213.099.231 Gain from sale of fixed assets
Laba hapus buku aset hak guna - 63.154.615 Gain from right of use write-off
Lain-lain 18.333 91.875.601 Others
33.360.650 368.129.447
- -
Beban non-operasional Non-operating expense
Rugi penjualan aset tetap 299.767.216 - Loss from sale of fixed assets
Rugi penghapusan aset tetap 16.033.511 19 Loss on fixed assets write-off
Denda-denda 300.000 50.600.000 Fines
Lain-lain 15.638 16.301 Others
316.116.365 50.616.320
Jumlah pendapatan (beban) Total non-operating
(282.755.715) 317.513.127
non-operasional - bersih income (expenses) - net
- -
35. KOMITMEN DAN KONTINJENSI 35. COMMITMENTS AND CONTINGENCIES
2025 2024
KOMITMEN COMMITMENTS
Liabilitas komitmen Commitment liabilities
Fasilitas kredit kepada nasabah Unused loans commitments
yang belum digunakan (1.952.788.875.619) (1.539.443.013.065) granted to customers
JUMLAH KOMITMEN - BERSIH (1.952.788.875.619) (1.539.443.013.065) TOTAL COMMITMENTS - NET
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivables
Pendapatan bunga dalam penyelesaian 61.528.302.808 58.069.564.903 Past due interest receivables
Pendapatan bunga kredit restrukturisasi 17.368.896.616 19.741.769.195 Interest receivables on restructure loans
Kredit hapusbuku 815.395.949.643 669.538.063.194 Loan write-off
Jumlah tagihan kontinjensi 894.293.149.067 747.349.397.292 Total contingent receivables
JUMLAH KONTINJENSI - BERSIH 894.293.149.067 747.349.397.292 TOTAL CONTINGENCIES - NET
74
Page 619
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK YANG BERELASI 36. RELATED PARTY TRANSACTIONS
Dalam kegiatan normal usaha, Bank melakukan transaksi dengan In the normal course of business, Bank enters into certain
pihak berelasi karena hubungan kepemilikan dan/atau transactions with parties which are related to the management
kepengurusan. Semua transaksi dengan pihak-pihak berelasi telah and/or owned by the same ultimate shareholder. All transactions
dilakukan dengan kebijakan dan syarat yang telah disepakati with related parties have met the agreed terms and conditions.
bersama.
Berikut ini adalah pihak-pihak berelasi Bank, sifat hubungan dan The related parties, nature of relationship and nature of
sifat dari transaksi: transactions are described as follows:
Pihak berelasi/ Sifat hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
Dewan Komisaris, Direksi dan Karyawan kunci/ a. Kredit yang diberikan/Loans
Pejabat Eksekutif/ Key management personnel b. Simpanan/Deposits
Board of Commisioner, Board of c. Beban bunga/Interest expenses
Directors, Executive Bank Officer d. Pendapatan bunga/Interest income
Ok Next Co, Ltd. (dahulu/formerly Pemegang saham pengendali/ a. Simpanan/Deposits
APRO Financial Co, Ltd.) Ultimate shareholder b. Beban bunga/Interest expenses
PT Oke Asset Indonesia Dimiliki oleh pemegang saham a. Kredit yang diberikan/Loans
akhir yang sama/ b. Simpanan/Deposits
Owned by the ultimate shareholder c. Beban bunga/Interest expenses
d. Pendapatan bunga/Interest income
PT Oke Investment Indonesia Dimiliki oleh pemegang saham a. Simpanan/Deposits
akhir yang sama/ b. Beban bunga/Interest expenses
Owned by the ultimate shareholder
PT PTOP Indonesia Dimiliki oleh pemegang saham a. Simpanan/Deposits
akhir yang sama/ b. Beban bunga/Interest expenses
Owned by the ultimate shareholder
Saldo dari pihak-pihak berelasi adalah sebagai berikut: The outstanding balance with related parties are as follows:
2025 2024
Aset Asset
Kredit yang diberikan Loans
PT Oke Asset Indonesia 324.871.188.347 169.176.343.132 PT Oke Asset Indonesia
Lain-lain kurang dari Rp1.000.000.000 5.314.071.917 4.812.248.045 Other less than Rp1,000,000,000
Jumlah 330.185.260.264 173.988.591.177 Total
Persentase terhadap jumlah aset 2,46% 1,47% Percentage to total assets
Liabilitas Liabilities
Simpanan dari nasabah Deposits from customers
Giro - - Current accounts
Tabungan 7.035.014.581 5.061.222.724 Savings deposits
Deposito berjangka 7.429.234.363 12.697.396.638 Time deposits
Jumlah 14.464.248.944 17.758.619.362 Total
Persentase terhadap jumlah liabilitas 0,15% 0,22% Percentage to total liabilities
Pendapatan bunga Interest income
Pinjaman yang diberikan 43.228.649.475 9.084.744.225 Loans
Persentase terhadap Percentage to
jumlah pendapatan bunga 3,58% 0,88% total interest income
Beban bunga Interest expenses
Simpanan dari nasabah 725.983.253 1.864.922.627 Deposits from customers
Persentase terhadap jumlah beban bunga 0,14% 0,43% Percentage to total interest expenses
75
Page 620
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK YANG BERELASI (lanjutan) 36. RELATED PARTY TRANSACTIONS (continued)
Saldo dari pihak-pihak berelasi adalah sebagai berikut: The outstanding balance with related parties are as follows:
2025 2024
Beban tenaga kerja Personnel expenses
Kompensasi kepada Dewan Komisaris, Compensation of Board of Commisioner,
Direksi dan Pejabat Eksekutif: Board of Directors, Executive Bank Officer:
Gaji dan imbalan kerja jangka pendek 42.262.755.021 41.831.165.881 Salaries and short term employee benefits
Imbalan pasca kerja 662.521.954 1.045.703.329 Post employment benefits
Jumlah 42.925.276.975 42.876.869.210 Total
Persentase terhadap Percentage of
27,62% 30,74%
jumlah beban tenaga kerja total personnel expenses
Transaksi dengan pihak-pihak berelasi dilakukan dengan kebijakan Related parties transactions are conducted at normal prices and
harga dan syarat normal, sebagaimana dilakukan dengan pihak terms of policy, as conducted by parties who are not related,
yang tidak berelasi, kecuali pinjaman yang diberikan kepada except for loans granted to employees of the Bank.
karyawan Bank.
--- Sheet "Segmen" (Catatan 37)
76
Page 621
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
37. INFORMASI SEGMEN 37. SEGMENT INFORMATION
Bank melaporkan segmen wilayah geografis sebagai informasi segmen utama. The bank reported geographical segment as its primary segment information.
2025
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Jawa Barat/ Jumlah/
DKI Jakarta Central Java East Java Bali West Java Total
Pendapatan bunga 1.070.110.570.815 3.529.651.904 26.176.950.432 36.030.029.427 70.899.742.393 1.206.746.944.971 Interest income
Beban bunga (464.820.166.138) (12.362.772.912) (4.172.844.651) (11.124.472.341) (25.390.263.658) (517.870.519.700) Interest expenses
Pendapatan bunga - bersih 605.290.404.677 (8.833.121.008) 22.004.105.781 24.905.557.086 45.509.478.735 688.876.425.271 Interest income - net
Pendapatan operasional lainnya 28.564.556.898 79.942.979 98.773.131 123.352.329 3.079.642.147 31.946.267.484 Other operating income
Tenaga kerja (146.567.131.052) (1.673.411.887) (1.711.701.975) (2.743.822.211) (2.704.504.603) (155.400.571.728) Personnel
Umum dan administrasi (133.907.753.075) (1.009.720.964) (1.106.389.664) (1.768.053.457) (1.109.303.193) (138.901.220.353) General and administrative
Penyisihan kerugian penurunan Allowance for impairment
nilai atas aset keuangan (189.185.397.744) (6.735.472.071) 375.730.745 (14.190.964.791) (2.551.886.803) (212.287.990.664) losses on financial and
Laba (rugi) operasional 164.194.679.704 (18.171.782.951) 19.660.518.018 6.326.068.956 42.223.426.283 214.232.910.010 Operating income (loss)
Laba (rugi) bersih 179.121.309.832 7.874.273.325 (4.899.234.871) 3.584.818.179 (25.706.595.172) 159.974.571.293 Net profit (loss)
Jumlah aset 11.612.300.115.686 186.600.440.671 284.605.468.611 620.891.721.813 713.229.986.005 13.417.627.732.786 Total asssets
Jumlah liabilitas 7.839.539.308.104 194.474.713.997 279.706.233.740 618.953.728.103 687.523.390.833 9.620.197.374.777 Total liabilities
2024
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Jawa Barat/ Jumlah/
DKI Jakarta Central Java East Java Bali West Java Total
Pendapatan bunga 888.252.317.703 22.589.160.020 56.083.867.935 56.926.187.161 13.477.430.599 1.037.328.963.418 Interest income
Beban bunga (389.290.241.820) (3.080.096.288) (11.431.016.237) (21.741.023.390) (10.367.260.415) (435.909.638.150) Interest expenses
Pendapatan bunga - bersih 498.962.075.883 19.509.063.732 44.652.851.698 35.185.163.771 3.110.170.184 601.419.325.268 Interest income - net
Pendapatan operasional lainnya 22.925.522.406 146.710.345 892.912.136 4.295.195.821 35.968.532 28.296.309.240 Other operating income
Tenaga kerja (130.648.519.759) (1.607.038.910) (2.682.624.452) (2.593.182.103) (1.939.462.368) (139.470.827.592) Personnel
Umum dan administrasi (138.624.169.963) (1.183.121.292) (1.820.226.628) (1.105.970.937) (997.465.473) (143.730.954.293) General and administrative
Penyisihan kerugian penurunan Allowance for impairment
nilai atas aset keuangan (262.226.501.663) (2.144.466.099) 233.094.385 (12.318.475.689) (2.237.481.613) (278.693.830.679) losses on financial and
Laba (rugi) operasional (9.611.593.096) 14.721.147.776 41.276.007.139 23.462.730.863 (2.028.270.738) 67.820.021.944 Operating income (loss)
Laba bersih 15.221.452.333 4.705.831.566 6.032.857.602 21.768.567.755 2.259.290.687 49.987.999.943 Net profit
Jumlah aset 10.071.602.198.028 322.328.292.938 508.948.673.863 759.072.087.149 208.540.813.664 11.870.492.065.642 Total asssets
Jumlah liabilitas 6.476.209.590.804 317.622.461.373 497.393.004.372 737.303.519.394 206.281.522.977 8.234.810.098.920 Total liabilities
77
Page 622
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. NILAI WAJAR INSTRUMEN KEUANGAN 38. FAIR VALUE OF FINANCIAL INSTRUMENTS
Tabel dibawah ini menggambarkan nilai tercatat dan nilai wajar The following table represents the carrying value and fair value of
dari aset dan liabilitas keuangan pada tanggal 31 Desember 2025 financial assets and liabilities as of December 31, 2025 and 2024.
dan 2024.
2025
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan Financial assets
Kas 21.782.860.800 21.782.860.800 Cash
Giro pada Bank Indonesia 372.953.366.477 372.953.366.477 Current accounts with Bank Indonesia
Giro pada bank lain 297.228.168 297.228.168 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 640.814.502.187 640.814.502.187 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 21.747.472.376 22.186.417.557 under resale agreement
Efek-efek 1.574.490.179.441 1.651.287.996.586 Marketable securities
Kredit yang diberikan 10.495.400.646.018 10.495.400.646.018 Loans
13.127.486.255.467 13.204.723.017.793
Liabilitas keuangan Financial liabilities
Liabilitas segera 52.718.913.740 52.718.913.740 Liabilities immediately payable
Simpanan dari nasabah 8.174.482.133.087 8.174.482.133.087 Deposits from customers
Simpanan dari bank lain 803.889.141.551 803.889.141.551 Deposits from other banks
Pinjaman yang diterima 500.000.000.000 500.000.000.000 Borrowings
9.531.090.188.378 9.531.090.188.378
2024
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan Financial assets
Kas 23.121.695.800 23.121.695.800 Cash
Giro pada Bank Indonesia 440.808.802.006 440.808.802.006 Current accounts with Bank Indonesia
Giro pada bank lain 426.815.698 426.815.698 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 364.985.420.919 364.985.420.919 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 123.630.364.127 124.971.250.000 under resale agreement
Efek-efek 1.505.281.623.244 1.503.850.186.196 Marketable securities
Kredit yang diberikan 9.092.513.698.283 9.092.513.698.283 Loans
11.550.768.420.077 11.550.677.868.902
Liabilitas keuangan Financial liabilities
Liabilitas segera 54.949.374.343 54.949.374.343 Liabilities immediately payable
Simpanan dari nasabah 6.818.150.348.265 6.818.150.348.265 Deposits from customers
Simpanan dari bank lain 725.612.748.572 725.612.748.572 Deposits from other banks
Pinjaman yang diterima 550.000.000.000 550.000.000.000 Borrowings
8.148.712.471.180 8.148.712.471.180
Bank menggunakan hirarki berikut untuk menentukan dan The Bank adopts the following hierarchy for determining and
mengungkapkan nilai wajar dari instrumen keuangan: disclosing the fair value of financial instruments:
(i) Tingkat 1: Harga dikutip (tidak disesuaikan) dari pasar yang (i) Level 1: Quoted prices in active market for the
aktif untuk aset atau liabilitas keuangan yang identik; same/identical financial asset or liability;
(ii) Tingkat 2: Input selain harga yang dikutip dari pasar yang (ii) Level 2: Inputs other than quoted market prices included in
disertakan pada Tingkat 1 yang dapat diobservasi untuk aset Level 1 that are observable for the financial asset or liability,
dan liabilitas keuangan, baik secara langsung (yaitu sebagai either directly (as a price) or indirectly (derived from prices);
sebuah harga) atau secara tidak langsung (yaitu sebagai
turunan dari harga);
(iii) Tingkat 3: Input untuk aset atau liabilitas keuangan yang tidak (iii) Level 3: Inputs for the financial asset or liability that are not
didasarkan pada data pasar yang dapat diobservasi (informasi based on observable market data (unobservable
yang tidak dapat diobservasi). information).
78
Page 623
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 38. FAIR VALUE OF FINANCIAL INSTRUMENT (continued)
a. Giro pada Bank Indonesia, giro pada bank lain, a. Current accounts with Bank Indonesia, current accounts
penempatan pada Bank Indonesia dan bank lain, efek-efek with other banks, placements with Bank Indonesia and
yang dibeli dengan janji dijual kembali, efek-efek dan aset other banks, marketable securities purchased under
lain-lain. resale agreement, marketable securities and other
assets.
Nilai tercatat dari giro dan penempatan dengan suku bunga The carrying values of current account and placements with
mengambang adalah perkiraan yang layak atas nilai wajar. floating interest rate is a reasonable approximation of their
fair values.
Estimasi nilai wajar terhadap penempatan dengan suku bunga The estimated fair value of the placement with a fixed
tetap, efek-efek yang dibeli dengan janji dijual kembali, efek- interest rate, marketable securities purchased under resale
efek dan aset lain-lain ditetapkan berdasarkan diskonto arus agreement, marketable securities and other assets is based
kas dengan menggunakan suku bunga pasar uang yang on discounted cash flows using money market interest rate
berlaku untuk hutang dengan risiko kredit dan sisa jatuh applicable to loans with similar credit risk and remaining
tempo yang serupa. Karena sisa jatuh tempo di bawah 1 maturity. Because the residual maturity is below 1 (one)
(satu) tahun sehingga nilai tercatat dari penempatan dengan year, the carrying amount of the placement with a fixed
suku bunga tetap, efek-efek yang dibeli dengan janji dijual interest rate, marketable securities purchased under resale
kembali, efek-efek dan aset lain-lain adalah perkiraan yang agreement, marketable securities and other assets is a
layak atas nilai wajar. reasonable approximation of their fair values.
b. Pinjaman yang diberikan b. Loans
Pinjaman yang diberikan dinyatakan berdasarkan jumlah nilai Loans are stated at carrying amount after deducting the
tercatat setelah dikurangi oleh cadangan kerugian penurunan allowance for impairment losses.
nilai.
Nilai tercatat dari pinjaman yang diberikan dengan suku bunga The carrying value of loans with floating interest rates is a
mengambang adalah perkiraan yang layak atas nilai wajar. reasonable approximation of their fair values.
Estimasi nilai wajar dari pinjaman yang diberikan The estimated fair value of loans represents the discounted
mencerminkan jumlah diskonto dari estimasi kini dari arus kas amount of estimated future cash flows expected to be
masa depan yang diharapkan akan diterima. Arus kas yang received. The expected cash flows is discounted at current
diharapkan didiskontokan pada tingkat suku bunga pasar market rates to determine its fair value.
terkini untuk menentukan nilai wajar.
c. Simpanan dari nasabah, simpanan dari bank lain, c. Deposits from customers, deposits from other banks,
pinjaman yang diterima dan liabilitas lain-lain borrowings and other liabilities
Estimasi nilai wajar simpanan tanpa jatuh tempo, termasuk The estimated fair value of deposits without maturity,
simpanan tanpa bunga adalah sebesar jumlah terutang ketika including non-interest bearing deposits is equal to the
utang tersebut dibayarkan. outstanding amount when the debt is paid.
Estimasi nilai wajar terhadap simpanan dengan tingkat suku The estimated fair value of the deposits with fixed interest
bunga tetap, pinjaman yang diterima dan liabilitas lain-lain rates, borrowings and other liabilities that are not quoted in
yang tidak memiliki kuotasi di pasar aktif ditetapkan an active market is based on discounted cash flows using
berdasarkan diskonto arus kas dengan menggunakan suku interest rates for new debts with similar remaining maturity.
bunga hutang baru dengan sisa jatuh tempo yang serupa. Because the residual maturity is below one year, the
Karena sisa jatuh tempo dibawah satu tahun sehingga nilai carrying amount of deposits with fixed interest rates, is
tercatat dari simpanan dengan suku bunga tetap, serta beban reasonable approximation of fair value.
yang masih harus dibayar adalah perkiraan yang layak atas
nilai wajar.
79
Page 624
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO 39. RISK MANAGEMENT
Penerapan manajemen risiko di Bank mengacu pada Peraturan Implementation of risk management in Bank accordance with the
Otoritas Jasa Keuangan (POJK) No.18/POJK.03/2016 tanggal 16 Financial Services Authority Regulation (POJK)
Maret 2016 tentang Penerapan Manajemen Risiko bagi Bank No.18/POJK.03/2016 dated March 16, 2016 regarding
Umum. Bank telah menyusun buku Pedoman Penerapan Application of Risk Management for Commercial Banks. The
Manajemen Risiko yang mencakup kebijakan dan prosedur Bank has prepared Risk Management Implementation Guidelines
mengenai: which include policies and procedures regarding:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active supervision by the Board of Commissioner and Board
of Directors;
2. Kecukupan kebijakan, prosedur dan penetapan limit; 2. Adequacy of policies, procedures, and establishment of
limits;
3. Kecukupan proses identifikasi, pengukuran, pemantauan dan 3. Adequacy of processes of identification, measurement,
pengendalian risiko serta sistem informasi Manajemen Risiko; monitoring, and control of risks and the Risk Management
dan information system; and
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control system.
Bank senantiasa melakukan penyesuaian, perbaikan dan The Bank makes adjustments, revisions and improvements to the
penyempurnaan terhadap pedoman penerapan manajemen risiko guidelines for risk management when there are changes to the
bila terdapat perubahan atas ketentuan yang berlaku. applicable regulations.
Bank telah membentuk Komite Manajemen Risiko dan Satuan The Bank has established a Risk Management Committee and
Kerja Manajemen Risiko yang bertugas menetapkan kebijakan Risk Management Unit which is responsible for determining
termasuk strategi manajemen risiko dan perencanaan dalam policies including risk management strategy and planning in an
keadaan darurat (contingency plan) untuk menghadapi risiko yang emergency (contingency plan) to deal with the resulting risks,
timbul, memperbaiki dan menyempurnakan penerapan improve and refine risk management.
manajemen risiko.
Dalam rangka meningkatkan efektifitas penerapan manajemen In order to improve the effectiveness of risk management
risiko maka telah dilakukan upaya peningkatan kemampuan dan application they have made efforts to increase the ability and
pengetahuan petugas melalui seminar, sosialisasi dan knowledge of officers through seminars, socialization and
mengikutsertakan dalam program sertifikasi. Bank telah memiliki participation in the certification program. The Bank has a series of
serangkaian prosedur dan metodologi untuk digunakan dalam procedures and methodologies use in the identification,
melakukan identifikasi, pengukuran, pemantauan dan measurement, monitoring and control for 8 (eight) types of risks
pengendalian untuk 8 (delapan) jenis risiko yang melekat pada inherent in the functional activity of the bank. The Bank
aktivitas fungsional bank. Secara berkala Bank melakukan evaluasi periodically evaluates existing procedures and methodologies to
terhadap prosedur dan metodologi yang ada untuk lebih further enhance risk management practices.
menyempurnakan praktek penerapan manajemen risiko.
Pengelolaan risiko sebagaimana diuraikan pada Catatan 39 The Bank's management as described in Note 39 is in
adalah sesuai dengan definisi dari Regulator (tidak diaudit). accordance with the definition of the Regulator (unaudited).
a. Risiko kredit a. Credit risk
Risiko kredit adalah potensi terjadinya kerugian keuangan Credit risk is the potential for financial loss when a customer
ketika nasabah atau counterparty gagal memenuhi or counterparty fails to meet its obligations at maturity, and
kewajibannya pada saat jatuh tempo, dan timbul terutama dari arises principally from current account with Bank Indonesia,
giro pada Bank Indonesia, giro pada bank lain, penempatan current account with other banks, placement with Bank
pada Bank Indonesia dan bank lain, efek-efek yang dibeli Indonesia and other banks, marketable securities purchased
dengan janji dijual kembali, efek-efek dan pinjaman yang under resale agreement, marketable secutities and loans.
diberikan. Tujuan dari manajemen risiko kredit adalah untuk The purpose of the credit risk management is to control and
mengendalikan dan mengelola eksposur risiko kredit dalam manage the credit risk exposure within acceptable
parameter yang dapat diterima, sekaligus memaksimalkan parameters, while maximizing the return on risk.
return on risk.
Risiko kredit terutama berasal dari pinjaman yang diberikan Credit risk comes primarily from loans and guarantees.
dan garansi.
80
Page 625
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
Pengelolaan risiko kredit dilaksanakan sejalan dengan Credit risk management is implemented in line with the
kebijakan dan prosedur yang telah ada untuk memastikan policies and procedures exist to ensure the following:
beberapa hal berikut:
1. Analisa usaha setiap sektor kredit, kelengkapan dokumen 1. Analysis of each business credit sector, documents and
dan pengikatan dalam kegiatan pemberian kredit. binding in lending activities.
2. Proses manajemen risiko kredit dari identifikasi risiko, 2. Credit risk management process of risk identification,
analisa risiko, pengukuran risiko hingga monitoring risiko risk analysis, risk measurement by monitoring credit risk
kredit dalam siklus proses pemberian kredit secara in the loan processing cycle as a whole.
menyeluruh.
3. Mempercepat penyelesaian kredit bermasalah, 3. Accelerate the completion of non-performing loans,
menurunkan NPL bank dan meningkatkan hasil usaha. lowering the bank NPLs and improve business results.
4. Meningkatkan kemampuan kompetensi karyawan melalui 4. Improve the ability of the competence of employees
training dan pendidikan di internal maupun eksternal. through training and education both internal and
external.
Rasio kredit bermasalah/non-performing loans (NPL) Bank Non-performing loans (NPL) ratio of the Bank as of
pada tanggal 31 Desember 2025 dan 2024 (Catatan 43e). December 31, 2025 and 2024 (Note 43e).
Rasio kualitas aset produktif merupakan rasio aset yang Earnings asset quality ratio is the ratio of assets classified as
diklasifikasikan sebagai non-performing dibandingkan dengan non-performing to total earnings assets.
jumlah aset produktif.
Eksposur risiko kredit tanpa memperhitungkan agunan dan Credit risk exposure without taking into account collateral
pendukung kredit lainnya terhadap aset keuangan pada and other credit support to the financial assets in the
laporan posisi keuangan adalah sebagai berikut: statements of financial position is as follows:
Eksposur maksimum/ Maximum exposure
Keterangan 2025 2024 Description
Giro pada Bank Indonesia 372.953.366.477 440.808.802.006 Current accounts with Bank Indonesia
Giro pada bank lain 297.228.168 426.815.698 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 640.814.502.187 364.985.420.919 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 21.747.472.376 123.630.364.127 under resale agreement
Efek-efek 1.574.490.179.441 1.505.281.623.244 Marketable securities
Pinjaman yang diberikan 10.734.810.331.324 9.300.153.789.472 Loans
Jumlah - bruto 13.345.113.079.973 11.735.286.815.466 Total - gross
Penyisihan kerugian penurunan nilai (239.439.685.306) (207.640.091.189) Allowance for impairment losses
Jumlah - bersih 13.105.673.394.667 11.527.646.724.277 Total - net
Eksposur risiko kredit terhadap komitmen dan kontinjensi Credit risk exposure to the commitments contingencies
tanpa memperhitungkan agunan atau pendukung kredit without collateral held or other credit support is as follows:
lainnya adalah sebagai berikut:
Eksposur maksimum/ Maximum exposure
Keterangan 2025 2024 Description
Fasilitas kredit kepada Unused loans commitments
debitur yang belum digunakan 1.952.788.875.619 1.539.443.013.065 granted to customers
Jumlah 1.952.788.875.619 1.539.443.013.065 Total
81
Page 626
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(i) Sektor industri (i) Industry sector
Tabel dibawah berikut ini menggambarkan rincian The following table below illustrates the details of the
eksposur kredit Bank pada nilai tercatat dan rincian Bank's credit exposure to the carrying value and the
eksposur kredit Bank terhadap komitmen dan kontijensi details of the Bank’s credit exposure to commitments
(tanpa memperhitungkan agunan atau pendukung kredit and contigencies (without taking into account collateral
lainnya), yang dikategorikan berdasarkan sektor industri. or other credit support), which are categorized by
industry sector.
2025
Bank Indonesia dan Korporasi dan
bank lain/ perorangan/
Pemerintah/ Bank Indonesia and Corporate and Jumlah/
Government other banks individual Total
Giro pada Current accounts
Bank Indonesia - 372.953.366.477 - 372.953.366.477 with Bank Indonesia
Giro pada Current accounts
bank lain - 297.228.168 - 297.228.168 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - 640.814.502.187 - 640.814.502.187 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 21.747.472.376 - - 21.747.472.376 under resale agreement
Efek-efek 1.474.490.179.441 100.000.000.000 - 1.574.490.179.441 Marketable securities
Pinjaman yang
diberikan - 204.173.872.578 10.530.636.458.746 10.734.810.331.324 Loans
Jumlah - bruto 1.496.237.651.817 1.318.238.969.410 10.530.636.458.746 13.345.113.079.973 Total - gross
Penyisihan kerugian Allowance for
penurunan nilai - - (239.439.685.306) (239.439.685.306) impairment losses
Jumlah - bersih 1.496.237.651.817 1.318.238.969.410 10.291.196.773.440 13.105.673.394.667 Total - net
-
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan - 53.574.901.761 1.899.213.973.858 1.952.788.875.619 to customers
Jumlah - 53.574.901.761 1.899.213.973.858 1.952.788.875.619 Total
-
82
Page 627
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(i) Sektor industri (lanjutan) (i) Industry sector (continued)
2024
Bank Indonesia dan Korporasi dan
bank lain/ perorangan/
Pemerintah/ Bank Indonesia and Corporate and Jumlah/
Government other banks individual Total
Giro pada Current accounts
Bank Indonesia - 440.808.802.006 - 440.808.802.006 with Bank Indonesia
Giro pada Current accounts
bank lain - 426.815.698 - 426.815.698 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - 364.985.420.919 - 364.985.420.919 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 123.630.364.127 - - 123.630.364.127 under resale agreement
Efek-efek 1.291.397.002.917 213.884.620.327 - 1.505.281.623.244 Marketable securities
Pinjaman yang
diberikan - 289.071.700.230 9.011.082.089.242 9.300.153.789.472 Loans
Jumlah - bruto 1.415.027.367.044 1.309.177.359.180 9.011.082.089.242 11.735.286.815.466 Total - gross
Penyisihan kerugian Allowance for
penurunan nilai - - (207.640.091.189) (207.640.091.189) impairment losses
Jumlah - bersih 1.415.027.367.044 1.309.177.359.180 8.803.441.998.053 11.527.646.724.277 Total - net
-
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan - 36.535.892.649 1.502.907.120.416 1.539.443.013.065 to customers
Jumlah - 36.535.892.649 1.502.907.120.416 1.539.443.013.065 Total
-
--- Sheet "MR" (Catatan 39.a.)
83
Page 628
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(ii) Sektor geografis (ii) Geographic sector
Eksposur risiko kredit atas aset keuangan berdasarkan wilayah geografis tempat Bank Credit risk exposure of the financial assets by geographic sector in which the Bank
beroperasi adalah sebagai berikut: operates is as follows:
2025
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Giro pada Current accounts
Bank Indonesia 372.953.366.477 - - - - 372.953.366.477 with Bank Indonesia
Giro pada bank lain 297.228.168 - - - - 297.228.168 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 640.814.502.187 - - - - 640.814.502.187 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 21.747.472.376 - - - - 21.747.472.376 under resale agreement
Efek-efek - bersih 1.574.460.179.441 - - - - 1.574.460.179.441 Marketable securities - net
Pinjaman yang
diberikan - bersih 7.967.301.348.650 459.693.946.402 968.716.869.491 618.975.769.321 480.712.712.154 10.495.400.646.018 Loans - net
Jumlah 10.577.574.097.299 459.693.946.402 968.716.869.491 618.975.769.321 480.712.712.154 13.105.673.394.667 Total
-
2024
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Giro pada Current accounts
Bank Indonesia 440.808.802.006 - - - - 440.808.802.006 with Bank Indonesia
Giro pada bank lain 426.815.698 - - - - 426.815.698 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 364.985.420.919 - - - - 364.985.420.919 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 123.630.364.127 - - - - 123.630.364.127 under resale agreement
Efek-efek 1.505.281.623.244 - - - - 1.505.281.623.244 Marketable securities
Pinjaman yang
diberikan - bersih 6.818.976.834.420 441.431.368.859 706.988.208.315 634.519.396.708 490.597.889.981 9.092.513.698.283 Loans - net
Jumlah 9.254.109.860.414 441.431.368.859 706.988.208.315 634.519.396.708 490.597.889.981 11.527.646.724.277 Total
-
84
Page 629
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(ii) Sektor geografis (lanjutan) (ii) Geographic sector (continued)
Eksposur risiko kredit atas komitmen dan kontinjensi berdasarkan wilayah geografis tempat Credit risk exposure of commitment and contingency by geographic sector in which
Bank beroperasi adalah sebagai berikut: the Bank operates is as follows:
2025
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan 1.461.508.735.013 40.241.482.525 78.204.699.724 322.890.879.603 49.943.078.754 1.952.788.875.619 to customers
Jumlah 1.461.508.735.013 40.241.482.525 78.204.699.724 322.890.879.603 49.943.078.754 1.952.788.875.619 Total
-
2024
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan 960.126.018.970 21.809.730.087 169.394.694.471 351.437.684.244 36.674.885.293 1.539.443.013.065 to customers
Jumlah 960.126.018.970 21.809.730.087 169.394.694.471 351.437.684.244 36.674.885.293 1.539.443.013.065 Total
-
--- Sheet "MR 71" (Catatan 39.a.iii)
85
Page 630
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(iii) Kualitas kredit dari aset keuangan (iii) Credit quality of financial assets
Tabel berikut menyajikan aset keuangan berdasarkan stage dengan jumlah cadangan kerugian penurunan nilai untuk setiap aset The following table presents the financial assets by stage with the allowance for impairment losses against each financial assets under
keuangan dengan klasifikasi biaya perolehan diamortisasi dan nilai wajar melalui penghasilan komprehensif lain pada tanggal 31 Desember classification of amortised cost and fair value through other comprehensive income as of December 31, 2025 and 2024:
2025 dan 2024:
2025
Stage 1 Stage 2 Stage 3 Jumlah/Total
Cadangan Cadangan
kerugian kerugian Cadangan Cadangan
penurunan penurunan kerugian kerugian
nilai/ Nilai tercatat nilai/ Nilai tercatat penurunan nilai/ Nilai tercatat penurunan nilai/ Nilai tercatat
Allowance for bersih/ Allowance for bersih/ Allowance for bersih/ Allowance for bersih/
Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying
Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount
Giro pada Current accounts
Bank Indonesia 372.953.366.477 - 372.953.366.477 - - - - - - 372.953.366.477 - 372.953.366.477 with Bank Indonesia
Giro pada Current accounts
bank lain 297.228.168 - 297.228.168 - - - - - - 297.228.168 - 297.228.168 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 640.814.502.187 - 640.814.502.187 - - - - - - 640.814.502.187 - 640.814.502.187 and other banks
Efek-efek yang dibeli Marketable securities
dengan janji purchased under
dijual kembali 21.747.472.376 - 21.747.472.376 - - - - - - 21.747.472.376 - 21.747.472.376 resale agreement
Efek-efek 1.574.490.179.441 (30.000.000) 1.574.460.179.441 - - - - - - 1.574.490.179.441 (30.000.000) 1.574.460.179.441 Marketable securities
Pinjaman yang
diberikan - bersih 10.271.056.084.004 (45.676.078.824) 10.225.380.005.180 200.623.891.954 (58.704.682.502) 141.919.209.452 263.130.355.366 (135.028.923.980) 128.101.431.386 10.734.810.331.324 (239.409.685.306) 10.495.400.646.018 Loans - net
Jumlah 12.881.358.832.653 (45.706.078.824) 12.835.652.753.829 200.623.891.954 (58.704.682.502) 141.919.209.452 263.130.355.366 (135.028.923.980) 128.101.431.386 13.345.113.079.973 (239.439.685.306) 13.105.673.394.667 Total
-
2024
Stage 1 Stage 2 Stage 3 Jumlah/Total
Cadangan Cadangan
kerugian kerugian Cadangan Cadangan
penurunan penurunan kerugian kerugian
nilai/ Nilai tercatat nilai/ Nilai tercatat penurunan nilai/ Nilai tercatat penurunan nilai/ Nilai tercatat
Allowance for bersih/ Allowance for bersih/ Allowance for bersih/ Allowance for bersih/
Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying
Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount
Giro pada Current accounts
Bank Indonesia 440.808.802.006 - 440.808.802.006 - - - - - - 440.808.802.006 - 440.808.802.006 with Bank Indonesia
Giro pada Current accounts
bank lain 426.815.698 - 426.815.698 - - - - - - 426.815.698 - 426.815.698 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 364.985.420.919 - 364.985.420.919 - - - - - - 364.985.420.919 - 364.985.420.919 and other banks
Efek-efek yang dibeli Marketable securities
dengan janji purchased under
dijual kembali 123.630.364.127 - 123.630.364.127 - - - - - - 123.630.364.127 - 123.630.364.127 resale agreement
Efek-efek 1.505.281.623.244 - 1.505.281.623.244 - - - - - - 1.505.281.623.244 - 1.505.281.623.244 Marketable securities
Pinjaman yang
diberikan - bersih 8.714.197.556.869 (74.914.802.634) 8.639.282.754.235 361.774.920.560 (38.844.945.727) 322.929.974.833 224.181.312.043 (93.880.342.828) 130.300.969.215 9.300.153.789.472 (207.640.091.189) 9.092.513.698.283 Loans - net
Jumlah 11.149.330.582.863 (74.914.802.634) 11.074.415.780.229 361.774.920.560 (38.844.945.727) 322.929.974.833 224.181.312.043 (93.880.342.828) 130.300.969.215 11.735.286.815.466 (207.640.091.189) 11.527.646.724.277 Total
-
86
Page 631
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(iii) Kualitas kredit dari aset keuangan (lanjutan) (iii) Credit quality of financial assets (continued)
Dalam hal terdapat keraguan terhadap kemampuan Where there is doubt on the ability of the borrowers to
nasabah untuk melakukan pembayaran kontraktual pada meet contractual payments when due, the terms of the
saat jatuh tempo, persyaratan kredit dapat dinegosiasikan loans might be renegotiated based on mutual
kembali berdasarkan kesepakatan antara Bank dan agreement between the Bank and the borrowers.
nasabah.
Pada tanggal 31 Desember 2025 dan 2024, Manajemen As of December 31, 2025 and 2024, Management has
memperhitungkan beberapa faktor penyesuaian untuk taken into account several adjustment factors to ensure
memastikan nilai kerugian kredit ekspektasian yang diakui that the amount of expected credit losses recognized in
dalam laporan keuangan dinyatakan secara wajar. Dalam the financial statements is fairly stated. In assessing
menilai kondisi masa depan, manajemen telah future conditions, management has considered various
mempertimbangkan berbagai informasi relevan yang relevant information available. Under normal conditions,
tersedia. Dalam kondisi normal, penjadwalan ulang atau rescheduling or restructuring of loans would indicate a
restrukturisasi pinjaman akan menunjukkan peningkatan significant increase in credit risk and move to Stage 2.
risiko kredit yang signifikan dan pindah ke Stage 2.
Asumsi dan pertimbangan utama dalam menentukan Key assumptions and judgments in determining
kerugian kredit ekspektasian expected credit loss
Variabel Makro Ekonomi (MEV) Macro Economic Variable (MEV)
Lingkungan ekonomi yang berkembang adalah penentu The developing economic environment is the key
utama dari kemampuan nasabah Bank untuk memenuhi determinant of the ability of a Bank's customer to meet
kewajiban mereka saat jatuh tempo. Ini adalah prinsip their obligations as they fall due. It is a fundamental
dasar PSAK 109 bahwa potensi kerugian kredit di masa principle of PSAK 109 that the potential future credit
depan harus bergantung tidak hanya pada kesehatan losses should depend not just on the health of the
ekonomi saat ini, tetapi juga harus memperhitungkan economy today, but should also take into account
kemungkinan perubahan pada lingkungan ekonomi. potential changes to the economic environment. For
Misalnya, jika Bank mengantisipasi perlambatan tajam example, if the Bank was to anticipate a sharp
dalam ekonomi dunia, Bank harus membentuk lebih slowdown in the world economy, Bank should make
banyak cadangan hari ini untuk menyerap kerugian kredit more provisions today to absorb the credit losses likely
yang kemungkinan akan terjadi dalam waktu dekat. to occur in the near future.
Untuk menangkap efek perubahan pada lingkungan To capture the effect of changes to the economic
ekonomi, model PD digunakan untuk menghitung environment, PD model is used to calculate expected
kerugian kredit ekspektasian, dengan memasukkan credit loss, by incorporating forward-looking information
informasi forward looking dalam bentuk perkiraan nilai- in the form of forecasts of the values of economic
nilai variabel ekonomi yang kemungkinan akan variables that are likely to have an effect on the
berdampak pada kemampuan pembayaran kembali repayment ability of the Bank's customer.
nasabah Bank.
Berbagai MEV digunakan untuk setiap model PD, Various of MEVs are used for each PD model,
tergantung pada hasil analisis statistik kesesuaian MEV depending on the statistical analysis result of
dengan PD serta konsensus dari pakar kredit. appropriateness of the MEV with PD as well as
Diantaranya adalah Produk Domestik Bruto (PDB) dan consensus from credit expert. Amongst others are
Indeks Harga Konsumen. Gross Domestic Product (GDP) and Consumer Pricing
Index.
Bank menggunakan metode pemodelan untuk The Banks uses modeling method to forecast the MEV
memproyeksikan MEV di masa depan. Bank in the future. The Bank uses 3 modeling scenarios, i.e.
menggunakan 3 skenario untuk pemodelan, yaitu normal, normal, lower prediction limit and upper prediction limit.
batas prediksi bawah dan batas prediksi atas. Bank akan The Bank will give weight to all three scenarios to obtain
memberikan bobot pada ketiga skenario tersebut untuk the base forecast for each MEV. All projections are
memperoleh proyeksi dasar untuk setiap MEV. Semua updated on a yearly basis.
proyeksi diperbarui setiap satu tahun.
Sensitivitas MEV terhadap ECL Sensitivity of MEV to ECL
Perhitungan ECL bergantung pada beberapa variabel dan The ECL calculation relies on multiple variables and is
pada dasarnya tidak linier dan tergantung pada portofolio, inherently non-linear and portfolio-dependent, which
yang menyiratkan bahwa tidak ada analisis tunggal yang implies that no single analysis can fully demonstrate the
dapat sepenuhnya menunjukkan sensitivitas kerugian sensitivity of the expected credit loss to changes in the
kredit ekspektasian terhadap perubahan dalam MEV. MEVs. The Bank believes that sensitivity should be
Bank berkeyakinan bahwa sensitivitas harus dilakukan performed to all variables, instead of single variable, as
terhadap seluruh variabel, alih-alih variabel tunggal, this aligns with the multi-variable nature of the ECL
karena hal ini sejalan dengan sifat multi-variabel dari calculation.
perhitungan ECL.
87
Page 632
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
b. Risiko pasar b. Market risk
Risiko pasar merupakan risiko yang timbul karena adanya Market risk is the risk arising due to movements in market
pergerakan faktor pasar (adverse movement) dari portofolio factors (adverse movement) of the portfolio held by the
yang dimiliki oleh Bank, yang dapat merugikan Bank yaitu Bank, which can be detrimental to the Bank such interest
suku bunga dan nilai tukar. rates and exchange rates.
Tujuan dari manajemen risiko pasar adalah untuk melakukan The objective of market risk management is to identify,
identifikasi, pengukuran, pengendalian dan pengelolaan measure, control and manage the market risk exposures
eksposur risiko pasar dalam parameter yang dapat diterima, within acceptable parameters, while maximizing returns.
serta memaksimalkan tingkat pengembalian.
Pemantauan terhadap risiko pasar dilakukan secara aktif Monitoring of market risk is done actively by monitoring the
dengan memonitor perkembangan suku bunga Bank progress of Bank Indonesia rate issued by Bank Indonesia
Indonesia yang dikeluarkan oleh Bank Indonesia dan and analyze the direction of interest rate movements. The
menganalisa arah pergerakan suku bunga. Bank juga Bank has also set a maximum limit that can be tolerated
menetapkan batas maksimum risiko pasar yang dapat market risks and exposures per risk type.
ditoleransi dan eksposur per jenis risiko.
Risiko suku bunga adalah potensi kerugian yang timbul akibat Interest rate risk is the potential loss arising from interest rate
pergerakan suku bunga di pasar yang berlawanan dengan movements in the market opposite to the Bank or
posisi atau transaksi Bank yang mengandung risiko suku transactions that contain interest rate risk.
bunga.
Tabel di bawah merangkum tingkat suku bunga efektif The table below summarizes the effective interest rates per
setahun untuk Rupiah untuk tahun yang berakhir pada tanggal year for Rupiah for the years ended December 31, 2025 and
31 Desember 2025 dan 2024. 2024.
2025 2024
Aset Assets
Giro pada bank lain 0,46% 0,72% Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain and other banks
- Deposit facility 4,52% 5,34% Deposit facility -
- Term deposits 4,63% 5,96% Term deposits -
- Deposito berjangka 5,79% 7,40% Time deposits -
- Call money 5,47% 6,26% Call money -
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 4,88% 6,03% under resale agreement
Efek-efek Marketable securities
- Surat Utang Negara 6,98% 7,06% Government Debenture Debt -
- Sukuk Ritel Negara 7,18% 7,27% State Islamic Bonds -
- Obligasi korporasi 6,80% - Corporate Bonds -
- Sekuritas Rupiah Bank Indonesia 7,42% 5,57% Bank Indonesia Rupiah Securities -
Pinjaman yang diberikan 10,83% 10,30% Loans
Liabilitas Liabilities
Simpanan nasabah Deposits from customers
- Giro 3,26% 3,02% Current acounts -
- Tabungan 3,83% 3,15% Savings deposits -
- Deposito berjangka 6,25% 6,22% Time deposits -
Simpanan dari bank lain Deposits from other banks
- Giro 4,05% 4,43% Current acounts -
- Tabungan 2,69% 2,94% Savings deposits -
- Deposito berjangka 5,97% 5,99% Time deposits -
--- Sheet "MR" (Catatan 39.b.)
88
Page 633
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
b. Risiko pasar (lanjutan) b. Market risk (continued)
Tabel di bawah ini mengikhtisarkan eksposur instrumen keuangan Bank pada nilai tercatatnya The table below summarizes the Bank's exposure to financial instruments on the
terhadap risiko tingkat suku bunga yang dikategorikan menurut mana yang terlebih dahulu antara carrying value of the interest rate risk which are categorized according to which will be
tanggal repricing atau tanggal jatuh tempo: the first between the date of repricing or maturity dates:
2025
Jumlah/
<1 bulan/month 1-3 bulan/months 3-12 bulan/months >12 bulan/months Total
Aset Assets
Kas 21.782.860.800 - - - 21.782.860.800 Cash
Giro pada Current accounts
Bank Indonesia 372.953.366.477 - - - 372.953.366.477 with Bank Indonesia
Giro pada bank lain 297.228.168 - - - 297.228.168 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 640.814.502.187 - - - 640.814.502.187 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembal 21.747.472.376 - - - 21.747.472.376 under resale agreement
Efek-efek - bersih 20.996.746.540 - - 1.553.463.432.901 1.574.460.179.441 Marketable securities - net
Pinjaman yang diberikan - bersih 418.034.512.246 936.862.933.948 5.534.043.488.409 3.606.459.711.415 10.495.400.646.018 Loans - net
Aset lain-lain - piutang bunga 52.978.026.720 29.744.030.252 82.722.056.972 Other assets - interest recevables
Jumlah aset keuangan 1.549.604.715.514 936.862.933.948 5.534.043.488.409 5.189.667.174.568 13.210.178.312.439 Total financial assets
Liabilitas Liabilities
Simpanan dari nasabah 4.147.165.529.472 2.235.458.463.230 1.775.388.705.186 16.469.435.199 8.174.482.133.087 Deposits from customers
Simpanan dari bank lain 421.089.141.551 193.650.000.000 189.150.000.000 - 803.889.141.551 Deposits from other banks
Pinjaman yang diterima - - - 500.000.000.000 500.000.000.000 Borrowings
Liabilitas segera 52.718.913.740 - - - 52.718.913.740 Liabilities due immediately
Jumlah liabilitas keuangan 4.620.973.584.763 2.429.108.463.230 1.964.538.705.186 516.469.435.199 9.531.090.188.378 Total financial liabilities
Jumlah maturity gap (3.071.368.869.249) (1.492.245.529.282) 3.569.504.783.223 4.673.197.739.369 3.679.088.124.061 Total maturity gap
89
Page 634
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
b. Risiko pasar (lanjutan) b. Market risk (continued)
Tabel di bawah ini mengikhtisarkan eksposur instrumen keuangan Bank pada nilai tercatatnya The table below summarizes the Bank's exposure to financial instruments on the
terhadap risiko tingkat suku bunga yang dikategorikan menurut mana yang terlebih dahulu antara carrying value of the interest rate risk which are categorized according to which will be
tanggal repricing atau tanggal jatuh tempo: (lanjutan) the first between the date of repricing or maturity dates: (continued)
2024
Jumlah/
<1 bulan/month 1-3 bulan/months 3-12 bulan/months >12 bulan/months Total
Aset Assets
Kas 23.121.695.800 - - - 23.121.695.800 Cash
Giro pada Current accounts
Bank Indonesia 440.808.802.006 - - - 440.808.802.006 with Bank Indonesia
Giro pada bank lain 426.815.698 - - - 426.815.698 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 364.985.420.919 - - - 364.985.420.919 and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembal 123.630.364.127 - - - 123.630.364.127 under resale agreement
Efek-efek - - 213.884.620.327 1.291.397.002.917 1.505.281.623.244 Marketable securities
Pinjaman yang diberikan - bersih 163.857.839.641 728.878.056.353 5.518.337.591.297 2.681.440.210.992 9.092.513.698.283 Loans - net
Aset lain-lain - piutang bunga 1.590.405.587 20.139.337.901 15.119.937.843 33.038.309.909 69.887.991.240 Other assets - interest recevables
Jumlah aset keuangan 1.118.421.343.778 749.017.394.254 5.747.342.149.467 4.005.875.523.818 11.620.656.411.317 Total financial assets
Liabilitas Liabilities
Simpanan dari nasabah 4.325.023.661.289 1.133.682.417.516 1.294.556.719.066 64.887.550.394 6.818.150.348.265 Deposits from customers
Simpanan dari bank lain 480.537.748.572 22.075.000.000 218.000.000.000 5.000.000.000 725.612.748.572 Deposits from other banks
Pinjaman yang diterima - - 550.000.000.000 550.000.000.000 Borrowings
Liabilitas segera 54.949.374.343 - - - 54.949.374.343 Liabilities due immediately
Jumlah liabilitas keuangan 4.860.510.784.204 1.155.757.417.516 2.062.556.719.066 69.887.550.394 8.148.712.471.180 Total financial liabilities
Jumlah maturity gap (3.742.089.440.426) (406.740.023.262) 3.684.785.430.401 3.935.987.973.424 3.471.943.940.137 Total maturity gap
90
Page 635
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
c. Risiko likuiditas c. Liquidity risk
Risiko likuiditas adalah risiko yang disebabkan oleh ketidakmampuan Bank dalam memenuhi Liquidity risk is the risk caused by the inability of the Bank to meet obligations that have
kewajiban yang telah jatuh tempo dan menutup posisi di pasar. Risiko likuiditas merupakan risiko matured and closed position in the market. Liquidity risk is the most important risks for
yang terpenting pada bank umum dan perlu dikelola secara berkesinambungan. commercial banks and need to be managed sustainably.
Pemantauan risiko likuiditas dilaksanakan dengan memonitor kewajiban yang akan jatuh tempo, Liquidity risk management is carried out, by monitoring obligations which will mature, to
melakukan observasi atas pengelolaan dana melalui maturity profile . make observations on the management of funds through maturity profile.
Analisa maturity gap adalah untuk mengukur beda kumulatif dari aset produktif dengan kewajiban Maturity gap analysis is to measure the cumulative difference of productive assets to
berbunga dan dampaknya terhadap likuiditas Bank. interest bearing liabilities and the impact on liquidity.
Tabel dibawah ini menyajikan analisa jatuh tempo aset dan liabilitas Bank berdasarkan jangka The table below presents the maturity analysis of assets and liabilities of the Bank
waktu yang tersisa sampai tanggal jatuh tempo kontrak: based on the remaining period until the maturity date of the contract:
2025
Tidak memiliki
jatuh tempo/ Lebih dari 12 bulan/
Nilai tercatat/ Does not have a Kurang dari 1 bulan/ >3-12 More than 12
Carrying amount maturity Less than 1 month >1-3 bulan/months bulan/months months
Aset Assets
Kas 21.782.860.800 21.782.860.800 - - - - Cash
Giro pada Bank Indonesia 372.953.366.477 372.953.366.477 - - - - Current accounts with Bank Indonesia
Giro pada bank lain 297.228.168 297.228.168 - - - - Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 640.814.502.187 - 640.814.502.187 - - - and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 21.747.472.376 - 21.747.472.376 - - - under resale agreement
Efek-efek 1.574.490.179.441 - - 20.996.746.540 - 1.553.493.432.901 Marketable securities - net
Pinjaman yang diberikan 10.734.810.331.324 - 487.635.951.917 3.663.593.489.266 958.363.739.636 5.625.217.150.505 Loans
Aset tetap - bersih 118.575.324.846 118.575.324.846 - - - - Fixed assets - net
Aset takberwujud - bersih 22.472.068.945 22.472.068.945 - - - - Intangible assets - net
Aset hak guna - bersih 16.074.269.609 16.074.269.609 - - - - Right of use assets - net
Aset pajak tangguhan - bersih 10.718.398.092 10.718.398.092 - - - - Deferred tax assets - net
Aset lain-lain 122.331.415.827 39.609.358.855 82.722.056.972 - - - Other assets
13.657.067.418.092 602.482.875.792 1.232.919.983.452 3.684.590.235.806 958.363.739.636 7.178.710.583.406
Penyisihan kerugian Allowance for
penurunan nilai (239.439.685.306) impairment losses
13.417.627.732.786
91
Page 636
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
c. Risiko likuiditas (lanjutan) c. Liquidity risk (continued)
Tabel dibawah ini menyajikan analisa jatuh tempo aset dan liabilitas Bank berdasarkan jangka The table below presents the maturity analysis of assets and liabilities of the Bank
waktu yang tersisa sampai tanggal jatuh tempo kontrak: (lanjutan) based on the remaining period until the maturity date of the contract: (continued)
2025
Tidak memiliki
jatuh tempo/ Lebih dari 12 bulan/
Nilai tercatat/ Does not have a Kurang dari 1 bulan/ >3-12 More than 12
Carrying amount maturity Less than 1 month >1-3 bulan/months bulan/months months
Liabilitas Liabilities
Liabilitas segera 52.718.913.740 894.082.919 36.645.938.915 15.178.891.906 - - Liabilities due immediately
Simpanan dari nasabah 8.174.482.133.087 1.902.576.267.154 2.244.589.262.318 2.235.458.463.230 1.775.388.705.186 16.469.435.199 Deposits from customers
Simpanan dari bank lain 803.889.141.551 295.679.141.551 125.410.000.000 193.650.000.000 189.150.000.000 - Deposits from other banks
Pinjaman yang diterima 500.000.000.000 - - - 500.000.000.000 - Borrowings
Utang pajak 29.037.071.103 - 29.037.071.103 - - - Taxes payable
Liabilitas imbalan pasca kerja 20.882.403.911 - - - - 20.882.403.911 Post-employment benefit liabilities
Liabilitas sewa 8.398.887.804 - - 21.187.946 386.400.279 7.991.299.579 Lease liabilities
Liabilitas lain-lain 30.788.823.581 12.182.281.791 - 18.606.541.790 - - Other liabilities
9.620.197.374.777 2.211.331.773.415 2.435.682.272.336 2.462.915.084.872 2.464.925.105.465 45.343.138.689
Perbedaan jatuh tempo 4.036.870.043.315 (1.608.848.897.623) (1.202.762.288.884) 1.221.675.150.934 (1.506.561.365.829) 7.133.367.444.717 Maturity gap
Posisi neto setelah penyisihan Net position, net of allowance
kerugian penurunan nilai 3.797.430.358.009 for impairment losses
92
Page 637
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
c. Risiko likuiditas (lanjutan) c. Liquidity risk (continued)
Tabel dibawah ini menyajikan analisa jatuh tempo aset dan liabilitas Bank berdasarkan jangka The table below presents the maturity analysis of assets and liabilities of the Bank
waktu yang tersisa sampai tanggal jatuh tempo kontrak: (lanjutan) based on the remaining period until the maturity date of the contract: (continued)
2024
Tidak memiliki
jatuh tempo/ Lebih dari 12 bulan/
Nilai tercatat/ Does not have a Kurang dari 1 bulan/ >3-12 More than 12
Carrying amount maturity Less than 1 month >1-3 bulan/months bulan/months months
Aset Assets
Kas 23.121.695.800 23.121.695.800 - - - - Cash
Giro pada Bank Indonesia 440.808.802.006 440.808.802.006 - - - Current accounts with Bank Indonesia
Giro pada bank lain 426.815.698 426.815.698 - - - Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 364.985.420.919 - 364.985.420.919 - - - and other banks
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 123.630.364.127 - 123.630.364.127 - - - under resale agreement
Efek-efek 1.505.281.623.244 - - - 213.884.620.327 1.291.397.002.917 Marketable securities
Pinjaman yang diberikan 9.300.153.789.472 - 210.289.860.016 2.722.341.717.055 758.708.944.758 5.608.813.267.643 Loans
Aset tetap - bersih 120.448.878.856 120.448.878.856 - - - - Fixed assets - net
Aset takberwujud - bersih 15.859.995.567 15.859.995.567 - - - - Intangible assets - net
Aset hak guna - bersih 24.106.604.324 24.106.604.324 - - - - Right of use assets - net
Aset pajak tangguhan - bersih 6.887.158.437 6.887.158.437 - - - - Deferred tax assets - net
Aset lain-lain 152.421.008.381 82.533.017.141 69.887.991.240 - - - Other assets
12.078.132.156.831 714.192.967.829 768.793.636.302 2.722.341.717.055 972.593.565.085 6.900.210.270.560
Penyisihan kerugian Allowance for
penurunan nilai (207.640.091.189) impairment losses
11.870.492.065.642
93
Page 638
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
c. Risiko likuiditas (lanjutan) c. Liquidity risk (continued)
Tabel dibawah ini menyajikan analisa jatuh tempo aset dan liabilitas Bank berdasarkan jangka The table below presents the maturity analysis of assets and liabilities of the Bank
waktu yang tersisa sampai tanggal jatuh tempo kontrak: (lanjutan) based on the remaining period until the maturity date of the contract: (continued)
2024
Tidak memiliki
jatuh tempo/ Lebih dari 12 bulan/
Nilai tercatat/ Does not have a Kurang dari 1 bulan/ >3-12 More than 12
Carrying amount maturity Less than 1 month >1-3 bulan/months bulan/months months
Liabilitas Liabilities
Liabilitas segera 54.949.374.343 798.382.246 29.950.560.042 24.200.432.055 - - Liabilities due immediately
Simpanan dari nasabah 6.818.150.348.265 1.611.152.835.928 2.713.870.825.361 1.133.682.417.516 1.294.556.719.066 64.887.550.394 Deposits from customers
Simpanan dari bank lain 725.612.748.572 305.702.748.572 174.835.000.000 22.075.000.000 218.000.000.000 5.000.000.000 Deposits from other banks
Pinjaman yang diterima 550.000.000.000 - - - 450.000.000.000 100.000.000.000 Borrowings
Utang pajak 33.772.145.838 - 33.772.145.838 - - - Taxes payable
Liabilitas imbalan pasca kerja 15.853.111.726 - - - - 15.853.111.726 Post-employment benefit liabilities
Liabilitas sewa 10.952.219.892 - 532.763.795 921.492.988 4.155.721.788 5.342.241.321 Lease liabilities
Liabilitas lain-lain 25.520.150.284 9.225.044.811 - 16.295.105.473 - - Other liabilities
8.234.810.098.920 1.926.879.011.557 2.952.961.295.036 1.197.174.448.032 1.966.712.440.854 191.082.903.441
Perbedaan jatuh tempo 3.843.322.057.911 (1.212.686.043.728) (2.184.167.658.734) 1.525.167.269.023 (994.118.875.769) 6.709.127.367.119 Maturity gap
Posisi neto setelah penyisihan Net position, net of allowance
kerugian penurunan nilai 3.635.681.966.722 for impairment losses
94
Page 639
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
d. Risiko operasional d. Operational risk
Risiko operasional berhubungan dengan risiko kerugian yang Operational risks associated with the risk of loss faced by
dihadapi Bank akibat dari pelanggaran karyawan, tidak the Bank as a result of violations of employees, malfunction
berfungsinya proses internal, kegagalan sistem dan masalah- of the internal processes, system failures and external
masalah dari eksternal yang mempengaruhi operasional Bank. problems affecting the operations of the Bank.
Fokus penerapan manajemen risiko operasional adalah The focus of the implementation of operational risk
pelaksanaan pengawasan internal yang melekat di dalam management is implementation of internal control that is
setiap proses operasional, peningkatan risk awareness dan inherent in every operational processes, increased risk
pengelolaan risiko produk dan aktivitas baru. Selain itu juga awareness and risk management products and activities. In
melakukan pelaksanaan tindakan darurat pada saat kondisi addition, it also implements emergency actions during
bencana dengan penerapan Business Continuity disaster conditions by implementing Business Continuity
Management (BCM). Management (BCM).
Pengawasan internal dilakukan dengan memastikan bahwa Internal monitoring is done to ensure that all operational
semua aktivitas operasional telah mematuhi ketentuan internal activities are in compliance with internal and external
dan eksternal. Setiap tindakan penyimpangan ditangani regulations. Every action settlement is deal with irregularities
penyelesaiannya dengan melibatkan unit internal audit dan involving the internal audit unit and other related units.
unit kerja lain yang terkait.
e. Risiko hukum e. Legal risk
Risiko hukum merupakan risiko yang disebabkan oleh adanya Legal risk is the risk caused by deficiencies in the juridical
kelemahan aspek yuridis, yang antara lain disebabkan adanya aspect, which is partly due to lawsuits, the absence of
tuntutan hukum, ketiadaan peraturan perundang-undangan legislation that supports or weakness of such non-
yang mendukung atau kelemahan pengikatan seperti tidak compliance with the terms of binding contract and validity of
dipenuhinya syarat sahnya kontrak dan pengikatan agunan. collateral.
Pengelolaan risiko hukum dilakukan untuk memastikan agar Legal risk management is done to ensure that all activities of
seluruh aktivitas dan hubungan kegiatan usaha Bank dengan the Bank's and its relationships with third parties is based on
pihak ketiga didasarkan pada aturan dan persyaratan yang rules and requirements which protects the interests of the
dapat melindungi kepentingan Bank dari segi hukum. Bank in law.
f. Risiko strategis f. Strategic risk
Pelaksanaan strategi, visi dan misi yang tidak tepat serta Implementation of the strategy, vision and mission improper
pengambilan keputusan bisnis yang tidak sejalan dengan and business decisions that are not in line with the external
perubahan eksternal dapat mempengaruhi kelangsungan changes could affect the continuity of Bank's business.
bisnis Bank.
Dalam kaitannya dengan hal tersebut di atas, bank telah In connection with the foregoing, the bank has established,
membentuk, merumuskan, menyusun dan memantau formulate, organize and monitor the implementation of the
pelaksanaan strategi termasuk corporate and business plan . strategies including preparation of corporate and business
Selain itu bank menetapkan sejumlah indikator penting yang plan. In addition the bank set a number of important
disesuaikan dengan kecukupan aset, permodalan dan kondisi indicators that are tailored to the adequacy of assets, capital
perubahan pasar agar bisnis bank tetap tumbuh dan terus and market conditions change so that the bank's business
meningkatkan kepercayaan bagi para stakeholder dan will continue to grow and continue to increase the trust of the
shareholder . Bank juga menyusun rencana pemulihan untuk stakeholders and shareholders. Bank also prepared the
mewujudkan stablitas sistem keuangan yang kokoh melalui recovery plan to realize a solid financial system stability
pengembangan dan penguatan sektor keuangan Bank. through the development and strengthening of the Bank.
g. Risiko kepatuhan g. Compliance risk
Risiko kepatuhan merupakan risiko yang timbul ketika Bank Compliance risk is the risk that arises when the Bank does
tidak mematuhi atau tidak melaksanakan peraturan not comply or do not implement laws and other rules.
perundang-undangan dan ketentuan lain yang berlaku. Risiko Compliance risk, if not managed properly, will potentially
kepatuhan, jika tidak dikelola dengan baik, berpotensi pada imposed of fines, penalties, or damage to reputation.
pengenaan denda, hukuman, atau rusaknya reputasi.
95
Page 640
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
g. Risiko kepatuhan (lanjutan) g. Compliance risk (continued)
Hal penting dalam penerapan risiko kepatuhan adalah untuk It is important in the implementation of compliance risk is to
memastikan dipatuhinya ketentuan-ketentuan ensure compliance with the provisions of the
eksternal/internal sebelum kebijakan atau prosedur disetujui external/internal policies or procedures approved before
direksi termasuk keputusan-keputusan manajemen yang akan directors including management decisions to be taken.
diambil.
Selain itu, pemantauan pencapaian posisi rasio-rasio In addition, monitoring the achievement of the position of the
keuangan penting dilakukan secara rutin dan berkala. key financial ratios is conducted regularly and periodically.
h. Risiko reputasi h. Reputation risk
Risiko reputasi adalah risiko akibat menurunnya tingkat Reputation risk is the risk due to decreased levels of
kepercayaan stakeholder yang bersumber dari persepsi stakeholder confidence that comes from a negative
negatif terhadap Bank. perception of the Bank.
Identifikasi risiko reputasi dilakukan secara berkala sesuai Identification of reputation risk is performed regularly in
dengan pengalaman kerugian di masa lalu yang disebabkan accordance with past experience losses due to reputation
oleh risiko reputasi. Penilaian risiko reputasi dilakukan secara risk. The risk assessment is conducted qualitatively among
kualitatif antara lain bersumber dari pemberitaan dan other sources of news and negative comments arising from
komentar negatif yang muncul dari masyarakat dan keluhan the public and customer complaints against banking
nasabah terhadap pelayanan bank, perilaku karyawan bank services, behavior of bank employees in serving customers
dalam melayani nasabah dan sistem komunikasi Bank. and communication systems of the Bank.
Dalam rangka pemantauan risiko reputasi, dibangun sistem In order to monitor the risk of reputation, a reputation that is
pemantauan reputasi yang dirancang agar dapat secara rutin built in monitoring system is designed to routinely check
memeriksa transaksi, peraturan, teknologi, dan tren transactions, regulations, technology and trend
perkembangan dan perubahan yang berpotensi developments and changes that may affect the Bank's
mempengaruhi bisnis Bank. Dalam hal ini Bank melakukan business. In this case, the Bank analyzes the gap between
analisa kesenjangan antara kinerja Bank dan harapan the Bank's performance and the expectations of
stakeholder pada umumnya dan nasabah pada khususnya, stakeholders in general and customers in particular, and
dan melakukan pencatatan terhadap hal-hal yang berpotensi records things that have the potential to cause reputational
menimbulkan risiko reputasi serta dengan mengoptimalkan risk and by optimizing the functions of the work unit
fungsi satuan kerja yang bertanggungjawab mengelola risiko responsible for managing reputational risk, namely the
reputasi yaitu divisi Human Capital , unit Service Quality and Human Capital division, Service Quality and Complain
Complain Handling . Handling unit.
i. Manajemen risiko permodalan i. Capital risk management
Tujuan utama dari kebijakan Bank atas kebijakan pengelolaan The primary objectives of the Bank’s capital management
modal adalah untuk memastikan bahwa Bank memiliki modal policy are to ensure that the Bank has a strong capital to
yang kuat untuk mendukung strategi pengembangan ekspansi support the Bank’s business expansion strategy currently, to
usaha Bank saat ini dan mempertahankan kelangsungan sustain future development of the business, to meet
pengembangan di masa mendatang serta untuk memenuhi regulator capital adequacy requirements and also to ensure
ketentuan kecukupan permodalan yang ditetapkan oleh the efficiency of Bank’s capital structure.
regulator serta memastikan agar struktur permodalan Bank
telah efisien.
Bank menyusun Rencana Permodalan berdasarkan penilaian The Bank undertakes Capital Planning based on
dan penelaahan atas kebutuhan kecukupan permodalan yang assessment and review of the capital situation in terms of
dipersyaratkan dan mengkombinasikannya dengan tinjauan the legal capital adequacy requirement, combined with
perkembangan ekonomi terkini. Bank senantiasa akan assessment of economic outlooks. The Bank will continue to
menghubungkan tujuan keuangan dan kecukupan modal link financial and capital adequacy goals to risk which can be
terhadap risiko yang dapat ditoleransi melalui proses tolerated appetite through the capital planning process
perencanaan modal, begitu pula dengan bisnis yang method as well as assess the businesses based on Bank’s
disesuaikan dengan tingkat permodalan dan persyaratan capital and liquidity requirements.
likuiditas Bank.
Kebutuhan permodalan Bank juga direncanakan dan The capital needs of the Bank are also discussed and
didiskusikan secara rutin yang didukung dengan data-data planned on a routine basis supported by data analysis.
analisis.
96
Page 641
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
i. Manajemen risiko permodalan (lanjutan) i. Capital risk management (continued)
Rencana Permodalan disusun oleh Dewan Direksi sebagai Capital Planning is prepared by the Board of Directors as
bagian dan Rencana Bisnis Bank dan disetujui oleh Dewan part of Bank’s business plan and is approved by the Board of
Komisaris. Perencanaan ini diharapkan akan memastikan Commissioners. Capital Planning ensures that adequate
tersedianya modal yang cukup dan terciptanya struktur levels of capital and strong mix of the different components
permodalan yang kuat guna mendukung pertumbuhan bisnis of capital are maintained to support business growth in the
ke depan. future.
Informasi tambahan manajemen modal yang merupakan The following additional information capital management that
informasi yang disyaratkan oleh regulasi yang berlaku dan is required by applicable regulations and is not required by
bukan/tidak merupakan informasi yang dipersyaratkan oleh Indonesian Accounting Standards is disclosed in Note 44f.
Standar Akuntansi Indonesia diungkapkan pada Catatan 44f.
40. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN 40. GOVERNMENT GUARANTEES ON THE OBLIGATIONS OF
PEMBAYARAN BANK UMUM COMMERCIAL BANKS
Berdasarkan Keputusan Presiden Republik Indonesia No.15 tahun Based on Article 8 of the Decision No.15 year 2004 of the
2004 tentang pengakhiran tugas dan pembubaran Badan President of the Republic of Indonesia regrading the termination
Penyehatan Perbankan Nasional (BPPN), dinyatakan dalam pasal of the role and winding-up of the Indonesian Bank Restructuring
8 bahwa dengan diakhirinya tugas dan dibubarkannya BPPN, Agency (BPPN), the Government Guarantee Program on the
Program Penjaminan Pemerintah terhadap kewajiban pembayaran obligations of domestic banks, which was originally handled by
bank umum yang semula dilakukan oleh BPPN berdasarkan IBRA based on the Decisions of the President of the Republic of
Keputusan Presiden Republik Indonesia No.26 tahun 1998 dan Indonesia No.26 year 1998 and No.27 year 1998, shall be
Keputusan Presiden Republik Indonesia No.27 tahun 1998, handled by the Ministry of Finance, specifically by the
selanjutnya dilaksanakan oleh Menteri Keuangan melalui Unit Government Guarantee Implementation Unit (Unit Pelaksanaan
Pelaksanaan Penjaminan Pemerintah (UP3) sebagaimana diatur Penjaminan Pemerintah/UP3) as provided in the Decision of the
oleh Keputusan Presiden Republik Indonesia No.17 tahun 2004, President of the Republic of Indonesia No.17 year 2004, which
yang diatur lebih lanjut dengan Keputusan Menteri Keuangan was futher regulated by the Decision No.84/KMK.06/2004 dated
No.84/KMK.06/2004 tanggal 27 Pebruari 2004 tentang Perubahan February 27, 2004 of the Ministry of Finance regarding the
atas Keputusan Menteri Keuangan Republik Indonesia Amendment of Decision No.179/KMK.017/2000 of the Ministry of
No.179/KMK.017/2000 tentang Syarat, Tatacara dan Ketentuan Finance of the Term, Implementing Guidelines and Conditions of
Pelaksanaan Jaminan Pemerintah terhadap Kewajiban the Goverment Guarantee on the obligations of commercial
Pembayaran Bank Umum. banks.
Program Penjaminan Pemerintah melalui UP3 telah berakhir pada The Guarantee Program by the Government through UP3 ended
tanggal 22 September 2005, sebagaimana dinyatakan dalam on September 22, 2005, as stated in Regulation
Peraturan Menteri Keuangan Republik Indonesia No.68/PMK.05/2005 dated August 10, 2005 of the Ministry of
No.68/PMK.05/2005 tanggal 10 Agustus 2005 tentang Perhitungan Finance concerning the Calculation and Payment of Premium on
dan Pembayaran Premi Program Penjaminan Terhadap Guarantee Program from Commercial Banks for the period July 1
Pembayaran Bank Umum untuk periode 1 Juli sampai 21 to September 21, 2005. To replace UP3, the Government was
September 2005. Sebagai pengganti UP3, Pemerintah telah formed an independent institution there is the Indonesia Deposit
membentuk Lembaga Independen yaitu Lembaga Penjaminan Insurance Corporation (Lembaga Penjaminan Simpanan/LPS).
Simpanan (LPS). Berdasarkan Undang-Undang No.24 tanggal 22 Based on Law No.24 dated September 22, 2004, which have
September 2004, sebagaimana diubah terakhir dengan Undang- been amended Law No.4 Year 2023 dated January 12, 2023
Undang No.4 Tahun 2023 tanggal 12 Januari 2023 tentang regarding Development and Strengthening of Financial Sector,
Pengembangan dan Penguatan Sektor Keuangan, LPS dibentuk LPS was formed to guarantee certain liabilities of commercial
untuk menjamin kewajiban tertentu bank-bank umum berdasarkan banks under the applicable guarantee program, the amount of
program penjaminan yang berlaku, yang besaran nilai jaminannya such guarantee is subject to change if the situation complies with
dapat berubah jika memenuhi kriteria tertentu yang berlaku. certain valid criteria.
Berdasarkan Peraturan Pemerintah Republik Indonesia No.66 Based on Government Regulation No.66 year 2008 dated
tahun 2008 tanggal 13 Oktober 2008 mengenai Besarnya Nilai October 13, 2008 regarding the Amount of Deposit Guarantee by
Simpanan yang Dijamin Lembaga Penjamin Simpanan, jumlah the Indonesia Deposit Insurance Corporation, the amount of
simpanan yang dijamin LPS adalah simpanan sampai dengan deposit covered by LPS is up to Rp2,000,000,000 per depositor
Rp2.000.000.000 untuk per nasabah per bank. Simpanan nasabah per bank. Customer deposits are covered only if the rate of
dijamin hanya jika suku bunganya sama dengan atau dibawah 4% interest is equal to or below 4% and 4.25% as of December 31,
dan 4,25% pada tanggal 31 Desember 2025 dan 2024. 2025 and 2024.
97
Page 642
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
40. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN 40. GOVERNMENT GUARANTEES ON THE OBLIGATIONS OF
PEMBAYARAN BANK UMUM (lanjutan) COMMERCIAL BANKS (continued)
Pada tanggal 13 Januari 2009, Pemerintah Republik Indonesia On January 13, 2009, the Government of the Republic of
telah mengesahkan Undang-Undang Republik Indonesia No. 7 Indonesia passed Law No. 7 Year 2009 on the Stipulation of
Tahun 2009 tentang Penetapan Peraturan Pemerintah Pengganti Government Regulation in Lieu of Law No. 3 Year 2008 on the
Undang-Undang No. 3 Tahun 2008 tentang Perubahan atas Amendment to Law No. 24 Year 2004 on Deposit Insurance
Undang-Undang No. 24 Tahun 2004 tentang Lembaga Penjaminan Corporation into law.
Simpanan Menjadi Undang-Undang.
Bank adalah peserta dari program penjaminan tersebut. Beban The Bank is a participant of the guarantee program. Deposit
premi penjamin untuk tahun yang berakhir pada 31 Desember guarantee premium for the year ended December 31, 2025 and
2025 dan 2024 masing-masing sebesar Rp16.879.622.032 dan 2024 amounted to Rp16,879,622,032 and Rp13,749,139,701,
Rp13.749.139.701 (Catatan 29). respectively (Note 29).
41. LABA PER SAHAM DASAR 41. BASIC EARNINGS PER SHARE
Laba per saham dasar dihitung dengan membagi laba bersih Basic earnings per share is computed by dividing net income to
kepada pemegang saham dengan rata-rata tertimbang jumlah shareholders by the weighted average number of ordinary shares
saham biasa yang beredar pada tahun bersangkutan dengan outstanding during the year by considering the reconciliation of
mempertimbangkan rekonsiliasi faktor-faktor tertentu karena certain factors such as the effect of stock split.
pengaruh pemecahan saham.
2025 2024
Laba bersih Net income
Laba bersih untuk Net income for the calculation
perhitungan laba per saham 159.974.571.293 49.987.999.943 of basic earnings per share
Jumlah saham Number of shares
Rata-rata tertimbang jumlah saham untuk Weighted average number of shares for
perhitungan laba per saham dasar 17.001.143.232 17.037.792.274 calculation of basic earnings per share
Laba per saham dasar 9,41 2,93 Basic earnings per share
42. PERIKATAN - PERIKATAN SIGNIFIKAN 42. SIGNIFICANT AGREEMENTS
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows:
1) Akta Perjanjian Sewa Menyewa No.1 tanggal 3 Juli 2024 atas 1) Deed of Lease Agreement No.1 dated July 3, 2024 on a 3
bangunan rumah toko (ruko) 3 (tiga) lantai, beralamat di Ruko (three) storey shophouse building, located at Robson Square
Robson Square Jalan MH Thamrin Blok B No.06, Lippo Shophouse, Jalan MH Thamrin Blok B No.06, Lippo
Cikarang Bekasi selama 3 (tiga) tahun, terhitung sejak 1 Cikarang Bekasi for 3 (three) years, commencing from
September 2024 sampai dengan tanggal 31 Agustus 2027. September 1, 2024 until August 31, 2027.
2) Perjanjian Sewa Menyewa No.15 tanggal 6 Agustus 2018 dan 2) Lease agreement No.15 dated August 6, 2018 and second
telah diaddendum kedua tanggal 22 November 2024 atas addendum dated November 22, 2024 on building 3 (three)
bangunan 3 (tiga) lantai, beralamat di Jl. Raya Barat floors, located at Jl. Boulevard Barat Raya Blok LC 7 Plot
Boulevard Blok LC 7 Kavling No.16, Kelurahan Kelapa Gading No.16, Kelapa Gading Barat Urban Village, District Kelapa
Barat, Kecamatan Kelapa Gading, Jakarta Utara yang Gading established on land HGB No.2518/Kelapa Gading
didirikan di atas tanah Hak Guna Bangunan No.2518/Kelapa Barat. As from the date of May 19, 2025 until May 19, 2027.
Gading Barat. Terhitung sejak tanggal 19 Mei 2025 sampai
dengan tanggal 19 Mei 2027.
3) Perjanjian Sewa Menyewa No.78 tanggal 28 Februari 2018 3) Lease agreement No.78 dated February 28, 2018 and
dan telah di addendum kedua tanggal 21 November 2024 atas second addendum date November 21, 2024 on the building
bangunan rumah toko (ruko) 4 (empat) lantai, beralamat di Jl. houses the store (shop) 4 (four) floor, located at Jl. Mangga
Mangga Dua Raya, Komplek Mangga Dua Plaza, Blok I No.3, Dua Raya, Mangga Dua Plaza Complex, Block I No. 3,
Kelurahan Mangga Dua Selatan, Kecamatan Sawah Besar, Village Mangga Dua Selatan, District Sawah Besar, built on
Jakarta Pusat, yang didirikan di atas tanah Hak Guna land HGB No.5455/Mangga Dua Selatan. As from the date
Bangunan No.5455/Mangga Dua Selatan. Terhitung sejak of March 4, 2025 until March 4, 2027.
tanggal 4 Maret 2025 sampai dengan tanggal 4 Maret 2027.
98
Page 643
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
42. PERIKATAN - PERIKATAN SIGNIFIKAN (lanjutan) 42. SIGNIFICANT AGREEMENTS (continued)
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows: (continued)
(lanjutan)
4) Akta Perjanjian Sewa Menyewa No.13 tanggal 26 Agustus 4) Deed of Lease Agreement No.13 dated August 26, 2024 on
2024 atas bangunan rumah toko (ruko) 4 (empat) lantai, yang a 4 (four) storey shophouse building, located at Ruko Metro
beralamat di Ruko Metro Broadway The Gallery Blok 8 DF, Broadway The Gallery Blok 8 DF, Jalan Pantai Indah Utara
Jalan Pantai Indah Utara 2, Jakarta Utara, DKI Jakarta, 2, North Jakarta, DKI Jakarta, commencing from November
terhitung sejak tanggal 1 November 2024 sampai dengan 31 1, 2024 until October 31, 2027.
Oktober 2027.
5) Perjanjian Sewa Menyewa No.11 tanggal 18 November 2021 5) Lease agreement No.11 dated November 18, 2021 on a
atas sebuah bangunan kantor hunian 1 ½ lantai, terletak di residential office building 1 ½ floor, located in Jakarta, West
DKI Jakarta, Kota Administrasi Jakarta Barat, Kecamatan Jakarta, Tambora, Village Roa Malaka, known locally as
Tambora, Kelurahan Roa Malaka, setempat dikenal sebagai Jalan Pasar Pagi No.33, covering an area of 87m2 with the
Jalan Pasar Pagi No.33, seluas 87m2 berikut dengan fasilitas- facilities that exist in the building in the form of electricity
fasilitasnya yang ada dalam bangunan yaitu berupa aliran from the State Electricity Company of 16,500 watts, 2 (two
listrik dari Perusahaan Listrik Negara sebesar 16.500 watt, 2 phone lines, water PAM). Starting from December 1, 2021 to
(dua sambungan telepon, air PAM). Terhitung sejak tanggal 1 December 1, 2024. This agreement has been extended
Desember 2021 sampai dengan tanggal 1 Desember 2024. based on the amendment of lease agreement
Perjanjian ini telah diperpanjang berdasarkan perubahan No.295/DIR/BOI/VII/2024 valid from December 1, 2024 to
perjanjian sewa menyewa No.295/DIR/BOI/VII/2024 berlaku November 30, 2026.
sejak 1 Desember 2024 sampai dengan 30 November 2026.
6) Perjanjian Sewa Menyewa No.67 tanggal 14 Mei 2018 dan 6) Lease Agreement No.67 dated May 14, 2018 and first
telah diaddendum pertama No.245/DIR/BOI/V/2023 tanggal addendum No.245/DIR/BOI/V/2023 dated May 12, 2023 for
12 Mei 2023 atas suatu bangunan kantor 3 ½ (tiga setengah) a 3 ½ (three and a half) floor office building located on Jl. KH
lantai yang terletak di Jl. KH Wahid Hasyim No. 212 dengan Wahid Hasyim No. 212 with an area of 134M2, Kampung
luas 134M2, Kelurahan Kampung Bali, Kecamatan Tanah Bali Village, Tanah Abang District, Central Jakarta
Abang, Kotamadya Jakarta Pusat. Periode sewa selama 2 Municipality. The lease period is 2 (two) years from July 15,
(dua) tahun yang terhitung dari tanggal 15 Juli 2023 sampai 14 2023 to July 14, 2027.
Juli 2027.
7) Addendum ketiga Perjanjian Sewa Menyewa 7) Third Addendum of Lease Agreement
No.183/DIR/BOI/IV/2024 tanggal 29 April 2024 atas bangunan No.183/DIR/BOI/IV/2024 dated April 29, 2024 on a 3 (three)
rumah toko (Ruko) 3 (tiga) lantai, terletak di Propinsi Banten, storey shophouse building, located in Banten Province,
Kabupaten Tangerang, Perumahan Gading Tangerang Regency, Gading Serpong Housing/ALX3/025,
Serpong/ALX3/025, sektor Alexandrite Gading Serpong Alexandrite Gading Serpong sector for 2 (two) years,
selama 2 (dua) tahun, terhitung sejak tanggal 14 September commencing on September 14, 2024 until September 13,
2024 sampai dengan tanggal 13 September 2026. 2026.
8) Perjanjian Sewa Menyewa tanggal 2 Februari 2024 atas 8) Lease agreement dated February 2, 2024 on the building 3
bangunan 3 (tiga) lantai, Hak Milik No.07198/Kedoya Utara (three) floors, Hak Milik No.07198/Kedoya Utara located in
terletak di Propinsi Daerah Khusus Ibukota Jakarta, Kota the Province of Special Capital Region of Jakarta, West
Administrasi Jakarta Barat, Kecamatan Kebon Jeruk, Jakarta Administration, District Kebon Jeruk, Kedoya Utara
Kelurahan Kedoya Utara, Komplek Perumahan Taman Ratu Urban Village, Komplek Perumahan Taman Ratu Indah Blok
Indah Blok AA2 No.31 selama 2 (dua) tahun, terhitung tanggal AA2 No.31 for 2 (two) years, commencing on April 15, 2024
15 April 2024 sampai dengan tanggal 14 April 2026. until April 14, 2026.
9) Perjanjian Sewa Menyewa No.3 tanggal 7 Januari 2019 atas 9) Lease Agreement No.3 dated January 7, 2019 on buillding 3
bangunan 3 (tiga) lantai, terletak di Jl. Teuku Umar No.173, (three) floor, located on Jl. Teuku Umar No.173, Dauh Puri
Desa/Kelurahan Dauh Puri Kauh, Kecamatan Denpasar Barat, Kauh Village, West Denpasar District, Denpasar City for 3
Kota Denpasar selama 3 (tiga) tahun, terhitung sejak tanggal (fthree) years, starting from January 7, 2019 until January 7,
7 Januari 2019 sampai dengan tanggal 7 Januari 2022. 2022. This agreement has been renewed, valid from January
Perjanjian ini telah diperbarui, berlaku sejak 7 Januari 2024 7, 2024 until January 7, 2026.
sampai dengan 7 Januari 2026.
99
Page 644
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
42. PERIKATAN - PERIKATAN SIGNIFIKAN (lanjutan) 42. SIGNIFICANT AGREEMENTS (continued)
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows: (continued)
(lanjutan)
10) Perjanjian Sewa Menyewa No.PSM/01/I/2019 dan 10) Lease Agreement No.PSM/01/I/2019 and No.002/PKS-
No.002/PKS-BOI/GAD/I/2019 tanggal 1 Februari 2019 atas BOI/GAD/I/2019 dated February 1, 2019 for part of room
sebagian ruangan dari bangunan gedung yaitu Gedung from building of Wisma Nugra Santana, ground floor area of
Wisma Nugra Santana, lantai dasar seluas 203,49m2, terletak 203.49m2, located on Jl. Jend. Sudirman Lot 7&8, Karet
di Jl. Jend. Sudirman Kav. 7&8, Kelurahan Karet Tengsin, Tengsin Urban Village, Tanah Abang District, Central
Kecamatan Tanah Abang, Jakarta Pusat selama 5 (lima) Jakarta for 5 (five) years, starting from April 1, 2019 until
tahun, terhitung sejak tanggal 1 April 2019 sampai dengan March 31, 2024. This agreement has been renewed, valid
tanggal 31 Maret 2024. Perjanjian ini telah diperbarui, berlaku from April 1, 2024 until March 31, 2027.
sejak 1 April 2024 sampai dengan 31 Maret 2027.
11) Akta Sewa Menyewa No.94 tanggal 21 Juni 2023 atas 11) Deed of Lease No.94 dated June 21, 2023 for a 4½ floors
bangunan kantor 4½ lantai yang didirikan diatas tanah SHM office building which was established on the land SHM
No.694/Kebon kelapa dan SHM No.882/Kebon kelapa, No.694/Kebon kelapa and SHM No.882/Kebon kelapa,
Jakarta Pusat, yang terletak di Jl. Batu Ceper No.47 & 47A Jakarta Pusat, located at Jl. Batu Ceper No.47 & 47A for 3
selama 3 (tiga) tahun terhitung sejak 21 Juli 2023 sampai (three) years starting from July 21, 2023 until July 20, 2026.
dengan tanggal 20 Juli 2026.
12) Perjanjian sewa menyewa No.230608/01/PA/MDL/LEG/PSM- 12) Lease agreement No.230608/01/PA/MDL/LEG/PSM-B/OB
B/OB tanggal 8 Juni 2023 atas ruangan GF-01 D ground floor, dated June 8, 2023 on GF-01 D ground floor, Polluxmall
Polluxmall lafayette, Semarang selama 5 (lima) tahun sejak 12 lafayette, Semarang for 5 (five) years from July 12, 2023 to
Juli 2023 sampai dengan tanggal 11 Juli 2028. July 11, 2028.
13) Akta perjanjian sewa menyewa No.06 tanggal 2 Desember 13) Deed of lease agreement No.06 dated December 2, 2022 for
2022 atas bangunan rumah toko 2½ lantai yang berdiri diatas home building store 2½ floors SHM No.584/ pamayonan sub-
tanah SHM No.584/Pamayonan, Bandung, yang terletak di Jl. district, Bandung, located at Jl. Pasir Kaliki No.161-3 for 3
Pasir Kaliki No.161-3 selama 3 (tiga) tahun sejak 1 Maret 2023 (three) years from 1 March 2023 to 28 February 2026.
sampai dengan tanggal 28 Februari 2026.
14) Akta perjanjian sewa menyewa No.62 tanggal 17 April 2023 14) Deed of lease agreement No.62 dated April 17, 2023 on
atas bangunan diatas tanah SHM No.149/Manyar Sabrangan, building which was established on land SHM No.149/Manyar
Surabaya yang terletak di Jl. Manyar Kertoajo No.45 selama 5 Sabrangan, Surabaya located at Jl. Manyar Kertoajo No.45
(lima) tahun ditambah grace periode 4 (empat) bulan terhitung for 5 (five) years plus grace period of 4 (four) months from
sejak 17 April 2023 sampai dengan 17 Agustus 2028. April 17, 2023 until August 17, 2028.
15) Perjanjian Pemeliharaan ASP INOAN antara Bank dengan PT 15) Maintenance Agreement of ASP INOAN between Bank with
Next INS Indonesia, perjanjian ini dimulai sejak tanggal 4 PT Next INS Indonesia, this agreement began on September
September 2017, dan berlaku selama 5 (lima) tahun. 4, 2017, and is valid for 5 (five) years. This agreement has
Perjanjian telah diperbarui dengan Addendum No. been renewe with Addendum No. 584/DIR/BOI/X/2022, valid
584/DIR/BOI/X/2022 selama 5 tahun sejak tanggal 4 from September 4, 2022 until September 4, 2027.
September 2022 sampai dengan 4 September 2027.
16) Perjanjian Pemeliharaan HSM antara Bank dengan PT Dymar 16) HSM Maintenance agreement between Bank with PT Dymar
Jaya Indonesia dengan perjanjian No.005/DJI- Jaya Indonesia, agreement No.No.005/DJI-
MAINT/PS/III/2021 dan No.123/DIR/BOI/III/2021. Perjanjian ini MAINT/PS/III/2021 and No.123/DIR/BOI/III/2021. This
telah diperbarui dengan Addendum No.401/DIR/BOI/VIII 2025 agreement has been renewed with Addendum
& 044/DJI-Maint/VIII/2025, berlaku sejak 22 September 2025 No.401/DIR/BOI/VIII 2025 & 044/DJI-Maint/VIII/2025, valid
sampai dengan 21 September 2026. from Sepember 22, 2025 until September 21, 2026.
17) Perjanjian Berlangganan antara PT Aplikanusa Lintasarta 17) Suscription Agreement between PT Aplikasnusa Lintasarta
dengan Bank dengan perjanjian No.0386/LA/CORP/2018- and Bank with agreement No.0386/LA/CORP/2018-
0005/2021, berlaku sejak 1 September 2021 sampai dengan 0005/2021, starts from September 1, 2021 until August 31,
31 Agustus 2022. Perjanjian ini telah diperbarui dengan 2022. This agreement has been renewed with Addendum
Addendum No. SC10001950/LA/CORP/2024-00008/2024 No. SC10001950/LA/CORP/2024-00008/2024, valid from
berlaku sejak 1 September 2024 sampai dengan 31 Agustus September 1, 2024 until August 31, 2026.
2026.
18) Perjanjian Berlangganan Layanan Dedicated Internet antara 18) Dedicated Internet Service Subscription Agreement between
Bank dan PT Supra Primata Nusantara dengan perjanjian Bank and PT Supra Primata Nusantara with Agreement
No.009/PKS-BOI/IT/III/2019 pada tanggal 6 Maret 2019. No.009/PKS-BOI/IT/III/2019 on March 6, 2019.This
Perjanjian ini telah diperbarui dengan Addendum No. agreement has been renewed with Addendum No.
Amd.5.009/DLS/BIZNET/III/2019 tanggal 13 November 2023 Amd.5.009/DLS/BIZNET/III/2019 on November 13,2023,
berlaku sejak 10 September 2023 sampai dengan 9 valid from September 10, 2023 until September 9, 2025. s of
September 2025. Saat ini sedang dilakukan proses the reporting date, the extension of this agreement is
perpanjangan atas perjanjian ni. currently in process.
100
Page 645
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
42. PERIKATAN - PERIKATAN SIGNIFIKAN (lanjutan) 42. SIGNIFICANT AGREEMENTS (continued)
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows: (continued)
(lanjutan)
19) Perjanjian Pemeliharaan Server IBM Power dan HPE antara 19) Server Maintenance Agreement for IBM Power and HPE
Bank dengan PT System Tree Technology dengan perjanjian between the Bank and PT System Tree Technology under
No.2021/MA/II/003 dan No.115/DIR/BOI/III/2021 tanggal 1 Agreement No. 2021/MA/II/003 and No.
Febuari 2021. Perjanjian ini telah diperbarui pada Addendum 115/DIR/BOI/III/2021 dated February 1, 2021. This
ke-IV tanggal 5 Februari 2023, berlaku sejak 1 Februari 2025 agreement has been renewed through the Fourth Addendum
sampai dengan 31 Januari 2026. dated February 5, 2023, effective from February 1, 2025 until
January 31, 2026.
20) Perjanjian berlangganan layanan Metro-e antara PT Inforte 20) Subscription agreement for Metro-e service between PT
Global Internet dan Bank berdasarkan perjanjian No.024/ISI- Inforte Global Internet and the Bank based on the
BOI/AMD I/MWIFO/XII/2020 tanggal 14 Desember 2020. agreement No.024/ISI-BOI/AMD I/MWIFO/XII/2020 dated
Perjanjian telah diperbarui dengan Addendum No. 013/ISI- December 14, 2020. This agreement has been renewed with
BOI/MWIFO/AMD IV/VI/2024 berlaku sejak 1 Maret 2024 Addendeum No. 013/ISI-BOI/MWIFO/AMD IV/VI/2024, valid
dengan perpanjangan otomatis. from March 1, 2024 with automatic renewal.
21) Perjanjian berlangganan layanan Data Center antara PT Link 21) Subscription agreement for Data Center between PT Link
Net dan Bank berdasarkan perjanjian No. PK- Net and the Bank based on the agreement No. PK-
297/CSL.DCS/LN/VII/2024). Perjanjian berlaku sejak 3 Juni 297/CSL.DCS/LN/VII/2024). This agreement shall be valid
2024 sampai dengan tanggal 2 Juni 2025 dengan for 1 years from June 3, 2024 to June 2, 2025 with automatic
perpanjangan otomatis. renewal.
22) Perjanjian Berlangganan Data Center antara PT Aplikanusa 22) Data Center Subscriptions Agreement between PT
Lintasarta dan Bank. Berdasarkan perjanjian Aplikanusa Lintasarta and the Bank, based on agreement
SC100015730/LA/CORP/2022 tanggal 24 November 2022. SC100015730/LA/CORP/2022 dated November 24, 2022.
Perjanjian ini berlaku sejak 17 Desember 2022 sampai This agreement valid from December 17, 2022 until
dengan tanggal 16 Desember 2024 dengan perpanjangan December 16, 2024 with automatic renewal.
otomatis.
23) Perjanjian Kerja Sama antara PT Artajasa Pembayaran 23) Cooperation Agreement between PT Artajasa Pembayaran
Elektronis dan Bank No. 456/DIR/BOI/VIII/2022 tanggal 15 Elektronis and Bank No. 456/DIR/BOI/VIII/2022 dated
Agustus 2022 tentang penyelenggaraan layanan Bersama August 15, 2022 regarding the provision of the Joint
Interface Processor . Perjanjian ini berlaku selama 5 tahun Interface Processor service. This Agreement shall be valid
sejak 15 Agustus 2022 sampai dengan tanggal 14 Agustus for 5 years from August 15, 2022 to August 14, 2027.
2027.
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA INDONESIA ACCOUNTING STANDARDS
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia:
a. Giro pada Bank Indonesia a. Current Account with Bank Indonesia
Bank dipersyaratkan untuk memiliki Giro Wajib Minimum The Bank is required to maintain statutory reserves in
(GWM) dalam mata uang Rupiah dalam kegiatannya sebagai Rupiah currency in its activities as a commercial, and foreign
bank umum, serta GWM dalam mata uang asing dalam statutory reserves in its activities in the conduct of foreign
kegiatannya melakukan transaksi mata uang asing. GWM currency transactions. These statutory reserves are
disimpan dalam bentuk giro pada Bank Indonesia. deposited in the form of current accounts with Bank
Indonesia.
Rasio GWM dan PLM Bank pada tanggal 31 Desember 2025 As of December 31, 2025 and 2024 the GWM and PLM
dan 2024 adalah sebagai berikut: ratios of the Bank are as follows:
2025 2024
Ketentuan/ Realisasi/ Realisasi/ Ketentuan/
Provisions Realization Realization Provisions
GWM 9,00% 4,46% 6,49% 9,00% GWM
PLM 4,00% 19,44% 25,13% 5,00% PLM
101
Page 646
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
a. Giro pada Bank Indonesia (lanjutan) a. Current Account with Bank Indonesia (continued)
Rasio GWM pada tanggal 31 Desember 2025 dihitung The statutory reserves ratio as of December 31, 2025 is
berdasarkan Peraturan Bank Indonesia (PBI) calculated based on Bank Indonesia Regulation (PBI)
No.20/3/PBI/2018 sebagaimana diubah terakhir dengan PBI No.20/3/PBI/2018 which have been amanded with PBI
No.24/4/PBI/2022 tanggal 25 Februari 2022 dengan Peraturan No.24/4/PBI/2022 dated February 25, 2022 with PADG
Anggota Dewan Gubernur (PADG) terakhir yaitu PADG No.31 No.31 year 2025 dated December 23, 2025 regarding
tahun 2025 tanggal 23 Desember 2025 tentang tentang Giro Statutory Reserves in Rupiah and Foreign Currency, for
Wajib Minimum dalam Rupiah dan Valuta Asing, Bagi Bank Conventional Commercial Banks, Islamic Commercial Banks
Umum Konvensional, Bank Umum Syariah dan Unit Usaha and Sharia Business Units.
Syariah.
Rasio GWM pada tanggal 31 Desember 2024 dihitung The statutory reserves ratio as of December 31, 2024 is
berdasarkan Peraturan Bank Indonesia (PBI) calculated based on Bank Indonesia Regulation (PBI)
No.20/3/PBI/2018 sebagaimana diubah terakhir dengan PBI No.20/3/PBI/2018 which have been amanded with PBI
No.24/4/PBI/2022 tanggal 25 Februari 2022 dengan Peraturan No.24/4/PBI/2022 dated February 25, 2022 with PADG
Anggota Dewan Gubernur (PADG) terakhir yaitu PADG No.12 No.12 year 2023 dated September 27, 2023 regarding
tahun 2023 tanggal 27 September 2023 tentang tentang Giro Statutory Reserves in Rupiah and Foreign Currency, for
Wajib Minimum dalam Rupiah dan Valuta Asing, Bagi Bank Conventional Commercial Banks, Islamic Commercial Banks
Umum Konvensional, Bank Umum Syariah dan Unit Usaha and Sharia Business Units.
Syariah.
Berdasarkan surat dari Bank Indonesia Based on a letter from Bank Indonesia
No.27/250/DKMP/Srt/B tanggal 12 Desember 2025 dan No/27/250/DKMP/Srt/B dated December 12, 2025 and
merujuk pada PBI No. 9 tahun 2025 dan PADG No. 27 Tahun referring to PBI No. 9 year 2025 and PADG No. 27 Year
2025, pada tanggal 31 Desember 2025, Bank telah 2025, as of December 31, 2025, Bank has obtained
memperoleh insentif atas penyediaan dana untuk kegiatan incentives for providing funds for activities a certain and
ekonomi tertentu dan inklusif berupa pemotongan pemenuhan inclusive economy that reduction in the fulfillment of the
GWM sebesar 4,5%. statutory reserve requirement by 4.5%.
Berdasarkan surat dari Bank Indonesia Based on a letter from Bank Indonesia
No.26/201/DKMP/Srt/B tanggal 2 Desember 2024 dan No.26/201/DKMP/Srt/B dated December 2, 2024 and
merujuk pada PBI No. 11 tahun 2023 dan PADG No. 11 referring to PBI No. 11 year 2023 and PADG No. 11 Year
Tahun 2023, pada tanggal 31 Desember 2024, Bank telah 2023, as of December 31, 2024, Bank has obtained
memperoleh insentif atas penyediaan dana untuk kegiatan incentives for providing funds for activities a certain and
ekonomi tertentu dan inklusif berupa pemotongan pemenuhan inclusive economy that reduction in the fulfillment of the
GWM sebesar 2,7%. statutory reserve requirement by 2.7%.
Rasio PLM pada tanggal 31 Desember 2025 dihitung The PLM ratio as of December 31, 2025 is calculated based
berdasarkan Peraturan Bank Indonesia (PBI) on Bank Indonesia Regulation (PBI) No.20/4/PBI/2018 which
No.20/4/PBI/2018 sebagaimana diubah terakhir dengan PBI have been amended with PBI No.24/16/PBI/2022 dated
No.24/16/PBI/2022 tanggal 31 Oktober 2022 dan Peraturan October 31, 2022 and PADG No.23 year 2025 dated
Anggota Dewan Gubernur (PADG) terakhir yaitu PADG No. 23 October 20, 2025 regarding Macroprudential Intermediation
tahun 2025 tanggal 20 Oktober 2025 tentang Rasio Ratio and Macroprudential Liquidity Buffer for Conventional
Intermediasi Makroprudensial dan Penyangga Likuiditas Commercial Banks, Islamic Commercial Banks and Sharia
Makroprudensial bagi Bank Umum Konvensional, Bank Umum Business Units.
Syariah dan Unit Usaha Syariah.
Rasio PLM pada tanggal 31 Desember 2024 dihitung The PLM ratio as of December 31, 2024 is calculated based
berdasarkan Peraturan Bank Indonesia (PBI) on Bank Indonesia Regulation (PBI) No.20/4/PBI/2018 which
No.20/4/PBI/2018 sebagaimana diubah terakhir dengan PBI have been amended with PBI No.24/16/PBI/2022 dated
No.24/16/PBI/2022 tanggal 31 Oktober 2022 dan Peraturan October 31, 2022 and PADG No.18 year 2023 dated
Anggota Dewan Gubernur (PADG) terakhir yaitu PADG No. 18 November 29, 2023 regarding Macroprudential
tahun 2023 tanggal 29 November 2023 tentang Rasio Intermediation Ratio and Macroprudential Liquidity Buffer for
Intermediasi Makroprudensial dan Penyangga Likuiditas Conventional Commercial Banks, Islamic Commercial Banks
Makroprudensial bagi Bank Umum Konvensional, Bank Umum and Sharia Business Units.
Syariah dan Unit Usaha Syariah.
Manajemen Bank berpendapat bahwa jumlah giro wajib The Bank’s management believes that the amount of
minimum pada Bank Indonesia tersebut telah memadai dan minimum legal reserves at Bank Indonesia is adequate and
memenuhi syarat. meet the requirements set forth by Bank Indonesia.
Pengungkapan lebih lanjut pada giro pada Bank Indonesia The further disclosures on current accounts with Bank
diungkapkan pada Catatan 5. Indonesia are presented in Note 5.
102
Page 647
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
b. Giro pada Bank Lain b. Current Account with Other Banks
Berdasarkan kolektibilitas sesuai Peraturan OJK By Financial Service Authority Rule collectibility
Pada tanggal 31 Desember 2025 dan 2024, semua giro pada All current accounts with other banks are classified as
bank lain diklasifikasikan lancar. current as of December 31, 2025 and 2024.
Pengungkapan lebih lanjut pada giro pada bank lain The further disclosures on current accounts with other banks
diungkapkan pada Catatan 6. are presented in Note 6.
c. Penempatan pada Bank Indonesia dan Bank Lain c. Placements with Bank Indonesia and Other Banks
Berdasarkan kolektibilitas sesuai Peraturan OJK By Financial Service Authority Rule collectibility
Pada tanggal 31 Desember 2025 dan 2024, semua All placements with Bank Indonesia and other banks are
penempatan pada Bank Indonesia dan bank lain classified as current collectibility as of December 31, 2025
diklasifikasikan dalam kolektibilitas lancar. and 2024.
Pengungkapan lebih lanjut pada penempatan pada Bank The further disclosures on placements with Bank Indonesia
Indonesia dan bank lain diungkapkan pada Catatan 7. and other banks are presented in Note 7.
d. Efek-efek yang Dibeli dengan Janji Dijual Kembali d. Marketable Securities Purchased Under Resale Agrement
Pada tanggal 31 Desember 2025 dan 2024, semua efek-efek All marketable securities purchased under resale agreement
yang dibeli dengan janji dijual kembali diklasifikasikan lancar. are classified as current as of December 31, 2025 and 2024.
Pengungkapan lebih lanjut pada efek-efek yang dibeli dengan The further disclosures on marketable securities purchased
janji dijual kembali diungkapkan pada Catatan 8. under resale agreement are presented in Note 8.
e. Efek-efek e. Marketable Securities
Pada tanggal 31 Desember 2025 dan 2024, semua efek-efek All marketable securities are classified as current as of
diklasifikasikan lancar December 31, 2025 and 2024.
Pengungkapan lebih lanjut pada efek-efek diungkapkan pada The further disclosures on marketable securities are
Catatan 9. presented in Note 9.
f. Pinjaman yang Diberikan f. Loans
Berdasarkan sektor ekonomi By economic sector
2025 2024
Industri pengolahan 2.192.774.463.231 1.977.201.220.947 Manufacturing
Perantara keuangan 1.800.527.529.869 1.903.589.512.987 Financial intermediary
Real estate, usaha persewaan Real estate, leasing services
dan jasa perusahaan 1.602.567.941.059 1.155.129.185.616 and servicing companies
Penyediaan akomodasi dan Accommodation and
penyediaan makan minum 1.412.797.124.348 857.674.780.994 food and baverages
Jasa kemasyarakatan, sosial budaya, Services in social, art culture, recreation
hiburan dan perorangan lainnya 1.041.485.560.386 724.992.765.958 and other individual services
Rumah tangga 1.006.081.401.465 943.702.818.269 Households
Perdagangan besar dan eceran 610.136.339.361 714.903.688.977 Wholesale and retail trading
Pertambangan dan penggalian 453.124.485.310 353.929.364.210 Mining and excavation
Jasa pendidikan 285.084.639.075 229.573.785.139 Education services
Konstruksi 168.608.449.085 287.868.069.564 Construction
Transportasi, pergudangan Transportation, warehousing
dan komunikasi 99.479.918.994 110.604.980.364 and communication
Pertanian, perburuan dan kehutanan 45.089.697.430 27.763.733.388 Argiculture, hunting and forestry
Jasa kesehatan dan kegiatan sosial 17.052.781.711 13.219.883.059 Health and social services
Jumlah 10.734.810.331.324 9.300.153.789.472 Total
Penyisihan kerugian penurunan nilai (239.409.685.306) (207.640.091.189) Allowance for impairment losses
Jumlah - bersih 10.495.400.646.018 9.092.513.698.283 Total - net
- -
103
Page 648
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
f. Pinjaman yang Diberikan (lanjutan) f. Loans (continued)
Berdasarkan kolektibilitas By collectibility
2025
Penyisihan kerugian
penurunan nilai/
Nilai tercatat/ Allowance for Jumlah - bersih/
Carrying value impairment losses Total - net
Individual Individual
Lancar 15.760.000.000 (14.870.325.125) 889.674.875 Current
Dalam perhatian khusus 5.821.527.750 (600.000.000) 5.221.527.750 Special mention
Kurang lancar 36.126.388.107 (12.264.663.721) 23.861.724.386 Sub-standard
Macet 154.109.649.775 (74.000.933.711) 80.108.716.064 Loss
Kolektif Collective
Lancar 10.141.742.951.192 (49.436.087.660) 10.092.306.863.532 Current
Dalam perhatian khusus 308.371.920.560 (39.490.772.085) 268.881.148.475 Special mention
Kurang lancar 16.216.768.264 (16.216.768.264) - Sub-standard
Diragukan 21.723.861.090 (21.723.861.090) - Doubtful
Macet 34.937.264.586 (10.806.273.650) 24.130.990.936 Loss
Jumlah - bersih 10.734.810.331.324 (239.409.685.306) 10.495.400.646.018 Total - net
-
2024
Penyisihan kerugian
penurunan nilai/
Nilai tercatat/ Allowance for Jumlah - bersih/
Carrying value impairment losses Total - net
Individual Individual
Lancar 30.031.441.492 (17.132.125.788) 12.899.315.704 Current
Dalam perhatian khusus 25.298.925.013 (1.811.248.289) 23.487.676.724 Special mention
Diragukan 6.538.919.207 (3.103.000.000) 3.435.919.207 Doubtful
Macet 104.417.890.953 (49.122.280.270) 55.295.610.683 Loss
Kolektif Collective
Lancar 8.684.166.115.377 (57.782.676.846) 8.626.383.438.531 Current
Dalam perhatian khusus 336.475.995.547 (37.033.697.438) 299.442.298.109 Special mention
Kurang lancar 13.692.513.828 (12.188.400.097) 1.504.113.731 Sub-standard
Diragukan 20.305.015.638 (17.957.319.591) 2.347.696.047 Doubtful
Macet 79.226.972.417 (11.509.342.870) 67.717.629.547 Loss
Jumlah - bersih 9.300.153.789.472 (207.640.091.189) 9.092.513.698.283 Total - net
-
104
Page 649
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
f. Pinjaman yang Diberikan (lanjutan) f. Loans (continued)
Kredit bermasalah berdasarkan sektor ekonomi dan Nonperforming loans by economic sector and
kolektibilitas collectiblity
2025
Kurang lancar/ Diragukan/ Macet/ Jumlah/
Sub-standard Doubtful Loss Total
Industri pengolahan - - 66.242.532.382 66.242.532.382 Manufacturing
Perdagangan besar
dan eceran - - 56.376.310.885 56.376.310.885 Wholesale and retail trading
Rumah tangga 16.216.768.264 21.723.861.090 6.669.358.930 44.609.988.284 Households
Penyediaan akomodasi
dan penyediaan Accommodation and
makan minum 36.126.388.107 - - 36.126.388.107 food and beverages
Real estate, Real estate,
usaha persewaan dan leasing services and
jasa perusahaan - - 21.994.684.641 21.994.684.641 servicing companies
Pertambangan
dan penggalian - - 21.919.243.920 21.919.243.920 Mining and excavation
Jasa kemasyarakatan, Services in social,
sosial budaya, hiburan dan art culture, recreation and
perorangan lainnya - - 12.982.736.229 12.982.736.229 other individual services
Konstruksi - - 2.862.047.374 2.862.047.374 Construction
Jumlah 52.343.156.371 21.723.861.090 189.046.914.361 263.113.931.822 Total
Penyisihan kerugian Allowance for
penurunan nilai (28.481.431.985) (21.723.861.090) (84.807.207.361) (135.012.500.436) impairment losses
Jumlah - bersih 23.861.724.386 - 104.239.707.000 128.101.431.386 Total - net
- - - -
2024
Kurang lancar/ Diragukan/ Macet/ Jumlah/
Sub-standard Doubtful Loss Total
Perdagangan besar
dan eceran 1.504.114.697 2.790.696.047 65.778.308.646 70.073.119.390 Wholesale and retail trading
Industri pengolahan - - 69.316.590.305 69.316.590.305 Manufacturing
Rumah tangga 12.188.399.131 22.843.345.012 6.532.974.813 41.564.718.956 Households
Real estate, Real estate,
usaha persewaan dan leasing services and
jasa perusahaan - - 28.016.937.063 28.016.937.063 servicing companies
Penyediaan akomodasi
dan penyediaan Accommodation and
makan minum - - 8.218.384.084 8.218.384.084 food and beverages
Konstruksi - - 5.137.774.189 5.137.774.189 Construction
Jasa kemasyarakatan, Services in social,
sosial budaya, hiburan dan art culture, recreation and
perorangan lainnya - 1.209.893.786 643.894.270 1.853.788.056 other individual services
Jumlah 13.692.513.828 26.843.934.845 183.644.863.370 224.181.312.043 Total
Penyisihan kerugian Allowance for
penurunan nilai (12.188.400.097) (21.060.319.591) (60.631.623.140) (93.880.342.828) impairment losses
Jumlah - bersih 1.504.113.731 5.783.615.254 123.013.240.230 130.300.969.215 Total - net
- - - -
105
Page 650
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
f. Pinjaman yang Diberikan (lanjutan) f. Loans (continued)
Batas Maksimum Pemberian Kredit (BMPK) Legal Lending Limit (LLL)
Sesuai dengan Peraturan Otoritas Jasa Keuangan No. In accordance with the Financial Services Authority
38/POJK.03/2019 tentang Batas Maksimum Pemberian Kredit Regulation No.38/POJK.03/2019 concerning the Maximum
dan Penyediaan Dana Besar Bagi Bank Umum. Untuk pihak Limit for Loans and Provision of Large Funds for Commercial
terkait 10 % dari Modal Bank, 1 (satu) peminjam atau 1 (satu) Banks. For related parties 10% of the Bank's Capital, 1 (one)
kelompok peminjam selain pihak terkait ditetapkan paling borrower or 1 (one) group of borrowers other than related
tinggi 25% dari Modal Inti Bank. parties is set at a maximum of 25% of the Bank's Core
Capital.
Untuk tahun yang berakhir pada tanggal 31 Desember 2025 For the years ended December 31, 2025 and 2024 there
dan 2024 tidak terdapat pelanggaran maupun pelampauan were no violations for the provisions of Lending Limit (LLL)
terhadap ketentuan Batas Maksimum Pemberian Kredit either for third parties or related parties.
(BMPK) baik pihak ketiga maupun pihak berelasi.
Rasio pinjaman bermasalah terhadap jumlah pinjaman The ratio of non performing loans to total loans
yang diberikan
Untuk tahun yang berakhir pada tanggal 31 Desember 2025 For the years ended December 31, 2025 and 2024, the
dan 2024, persentase pinjaman bermasalah bruto dan bersih percentage of non-performing loans gross and net to total
terhadap jumlah pinjaman yang diberikan adalah sebagai loans is as follows:
berikut:
2025 2024
Rasio NPL - bruto 2,45% 2,41% NPL ratio - gross
Rasio NPL - bruto
*) 2,50% 2,49% NPL ratio - gross *)
Rasio NPL - bersih 1,19% 1,40% NPL ratio - net
Rasio NPL - bersih
*) 1,22% 1,45% NPL ratio - net *)
*) Tidak termasuk pinjaman yang diberikan kepada Bank *) Not included loans to rural bank
Perekonomian Rakyat (BPR)
Informasi pokok lainnya sehubungan dengan kredit yang Other information related to loans
diberikan
Jumlah minimum cadangan kerugian penurunan nilai The minimum amount of reserves for impairment losses on
pinjaman yang diberikan yang wajib dibentuk sesuai dengan loans that should be in accordance with Financial Services
ketentuan Otoritas Jasa Keuangan dan yang telah dibentuk Authority and which has been established in accordance
sesuai dengan Standar Akuntansi Keuangan untuk tahun yang with Financial Accounting Standards for the years ended
berakhir pada 31 Desember 2025 dan 2024 adalah sebagai December 31, 2025 and 2024 were as follows:
berikut:
2025 2024
Penyisihan penghapusan aset produktif 129.892.148.088 119.396.362.341 Allowance for possible losses on earning assets
Penyisihan kerugian penurunan nilai 239.409.685.306 207.640.091.189 Allowance for impairment losses
Persentase pemenuhan 184,31% 173,91% Percentage of compliance
106
Page 651
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
f. Pinjaman yang Diberikan (lanjutan) f. Loans (continued)
Informasi pokok lainnya sehubungan dengan kredit yang Other information related to loans (continued)
diberikan (lanjutan)
Manajemen risiko yang dijalankan oleh Bank antara lain Risk management is run by the Bank in the following ways:
dengan cara sebagai berikut:
- Menerapkan prinsip diversifikasi sektor usaha/industri - Applying the principle of diversification of the business
yang dibiayai dan menentukan dari waktu ke waktu sektor sector/industry funded and determine from time to time
usaha/industri yang perlu dihindari. business sectors/industries that need to be avoided.
- Dalam upaya menerapkan Good Corporate Governance - In order to implement good corporate governance and
dan sistem pemberian kredit yang sehat (Prudent), system of sound credit (Prudent), before granting a
sebelum pemberian suatu kredit, maka petugas Bank loan, the Bank officers are required to conduct
wajib untuk melakukan kunjungan usaha dan wawancara business, and interviews with decision makers (key
dengan pengambil keputusan (key person) dari person) of the company prospective customers, which
perusahaan/calon debitur yang akan dibiayai, dan are financed, and requires adequate financial
mengharuskan adanya informasi keuangan yang information.
memadai.
- Melakukan pemantauan atas perusahaan/calon debitur - To monitor the company/prospective borrowers who
yang dibiayai dan secara periodik melakukan kunjungan financed and periodically visits effort to obtain
usaha guna memperoleh informasi secara dini kesulitan information that might be encountered early difficulties
yang mungkin dihadapi debitur, sehingga dapat of the debtor, so it can be anticipated early and
diantisipasi langkah-langkah awal dan tepat dalam appropriate steps to save the position of the Bank.
menyelamatkan posisi Bank.
Pengungkapan lebih lanjut pada pinjaman yang diberikan The further disclosures on loans are presented in Note 10.
diungkapkan pada Catatan 10.
g. Manajemen Risiko permodalan g. Capital Risk Management
Otoritas Jasa Keuangan (OJK) menentukan dan mengawasi The Financial Services Authority (OJK) sets and monitors
kebutuhan modal Bank. Bank diwajibkan untuk mentaati capital requirements for the Bank. The Bank is required to
peraturan yang berlaku dalam hal ini modal yang diwajibkan comply with prevailing regulation in respect of regulatory
regulator. Pendekatan Bank terhadap pengelolaan modal capital. The Bank's approach to capital management is
ditentukan oleh strategi dan persyaratan organisasi bank, driven by bank's strategy and organisational requirements,
dengan memperhitungkan peraturan, serta keadaan ekonomi taking into account the regulatory, economic and commercial
dan komersial. environment.
Bank mematuhi semua persyaratan modal yang ditetapkan The Bank has complied with all regulatory imposed capital
oleh pihak regulator sepanjang periode pelaporan, khususnya requirements throughout the reporting period, particularly
berkenaan dengan perhitungan Kewajiban Penyediaan Modal regarding Capital Adequacy Ratio (CAR) and calculation of
Minimum (KPMM) dan Aktiva Tertimbang Menurut Risiko Risk Weighted Assets (RWA).
(ATMR).
107
Page 652
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
g. Manajemen Risiko Permodalan (lanjutan) g. Capital Risk Management (continued)
Bank menghitung kebutuhan modal berdasarkan Peraturan Bank calculates its capital requirements in accordance with
Otoritas Jasa Keuangan No.27 Tahun 2022 tentang Financial Services Authority Regulation No. 27 Year 2022
Kewajiban Penyediaan Modal Minimum Bank Umum" dan about Minimum Capital Reserve or Commercial Bank"and
Surat Edaran OJK No.43/SEOJK.03/2016 tentang OJK Circular Letter No.43/SEOJK.03/2016 about
"Transparansi dan Publikasi Laporan Bank Umum "Transparency and Publication Conventional Commercial
Konvensional", dimana modal yang diwajibkan regulator Bank Report", where the regulatory capital is analysed into
dianalisa dalam dua tier sebagai berikut: two tiers as follows:
1. Modal inti (tier 1), yang terdiri dari modal inti utama dan 1. Tier 1 capital, which consists of core and additional core
modal inti tambahan. Modal inti utama antara lain meliputi capital. Core capital includes issued and fully paid-up
modal ditempatkan dan disetor penuh, tambahan modal capital, additional paid-in capital, general reserve,
disetor, cadangan umum, laba tahun-tahun lalu dan specific reserve, retained earnings and profit for the
periode/tahun berjalan (100%), penghasilan komprehensif period/year (100%), other comprehensive income
lainnya berupa potensi keuntungan/kerugian yang berasal deriving from potential gain/loss from the changes in fair
dari perubahan nilai wajar aset keuangan dalam value of financial assets classified as available-for-sale,
kelompok tersedia untuk dijual, selisih kurang dari shortfall between allowable amount of allowance for
penyisihan penghapusan aset produktif sesuai ketentuan uncollectible account on productive assets according to
Bank Indonesia dan cadangan kerugian penurunan nilai Bank Indonesia guideline and allowance for impairment
aset produktif yang diperbolehkan. Aset pajak tangguhan, losses on productive assets. Deferred tax assets,
aset takberwujud (termasuk goodwill ) dan penyertaan intangible assets (including goodwill) and share
(100%) merupakan faktor pengurang modal inti utama. investments (100%) are deducted from core capital.
Modal inti tambahan antara lain terdiri dari saham Additional core capital includes non-cumulative
preferen, surat berharga subordinasi dan pinjaman preference shares, subordinated securities and
subordinasi dimana ketiganya bersifat non-kumulatif subordinated debts net of buyback portion.
setelah dikurangi pembelian kembali.
2. Modal pelengkap (tier 2) antara lain meliputi surat 2. Supplementary capital (tier 2), which includes
berharga subordinasi dan pinjaman subordinasi serta subordinated securities and subordinated debts and
penyisihan penghapusan aset produktif sesuai ketentuan allowance for uncollectible account on productive
Otoritas Jasa Keuangan. assets according to Financial Service Authority.
Beberapa batasan berlaku untuk bagian-bagian modal yang Various limits have been set to elements of the regulatory
diwajibkan oleh regulator, antara lain Bank wajib menyediakan capital, such as Banks are required to provide core capital
modal inti (tier 1) paling rendah sebesar 6% dari ATMR dan (tier 1) at a minimum of 6% from Risk Weighted Assets and
modal inti utama (Common Equity tier 1) paling rendah Common Equity tier 1 at a minimum of 4.5% from Risk
sebesar 4,5% dari ATMR. Weighted Assets.
1. Modal tier 1, meliputi modal ditempatkan dan disetor 1. Tier 1 capital, which includes issued and fully paid share
penuh, cadangan umum, saldo laba dan laba periode capital, general reserve, retained earnings and profit for
berjalan. the period.
2. Modal tier 2, meliputi penyisihan kerugian penurunan nilai 2. Tier 2 capital, which includes the eligible amount of
yang diperbolehkan. allowance for impairment losses.
Bank tidak mempunyai modal tambahan lain yang memenuhi The Bank does not have any other supplementary capital
kriteria modal tier 3 sesuai dengan peraturan Bank Indonesia which meets the criteria of tier 3 capital under prevailing
yang berlaku. Bank Indonesia regulation.
Berbagai batasan telah diterapkan untuk bagian-bagian modal Various limits are applied to elements of the regulatory
yang diwajibkan oleh regulator. Pengaruh dari pajak capital. The effect of deferred taxation has been excluded in
tangguhan telah dikeluarkan dalam menentukan jumlah saldo determining the amount of retained earnings for tier 1
laba untuk modal tier 1; hanya 50 persen laba periode capital; only 50 percent of the profit for the period before
berjalan sebelum pajak tangguhan yang dapat diperhitungkan deferred taxation being included in tier 1 capital; and
dalam modal tier 1; dan modal tier 2 tidak boleh melebihi qualifying tier 2 capital cannot exceed tier 1 capital. There is
modal tier 1. Juga terdapat batasan jumlah penyisihan kolektif also a restriction on the amount of collective impairment
penurunan nilai yang boleh dimasukkan sebagai bagian dari allowances that may be included as part of tier 2 capital.
modal tier 2.
108
Page 653
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
g. Manajemen Risiko Permodalan (lanjutan) g. Capital Risk Management (continued)
Aset Tertimbang Menurut Risiko ("ATMR") Bank ditentukan The Bank's weighted assets risk ("WAR") are determined
berdasarkan persyaratan yang telah ditentukan yang according to specified requirements that seek to reflect the
mencerminkan berbagai tingkatan risiko yang terkait dengan varying levels of risk attached to assets and exposures not
aset dan eksposur, yang tidak tercermin dalam laporan posisi recognized in the statements of financial position. Based on
keuangan. Berdasarkan peraturan Bank Indonesia, Bank Central Bank regulations, the Bank needs to take into
diharuskan untuk mempertimbangkan risiko kredit, risiko consideration its credit risk, market risk and operational risk
pasar dan risiko operasional dalam mengukur ATMR Bank. in measuring the WAR.
Kebijakan Bank adalah menjaga modal yang kuat untuk The Bank's policy is to maintain a strong capital base so as
menjaga kepercayaan pemodal, kreditur dan pasar dan untuk to maintain investor, creditor and market confidence and to
mempertahankan perkembangan bisnis di masa depan. sustain future development of business. The impact of the
Pengaruh tingkat modal terhadap tingkat pengembalian ke level of capital on shareholders' return is also recognized
pemegang saham juga diperhitungkan dan Bank juga and the Bank also recognize the need to maintain a balance
memahami perlunya menjaga keseimbangan antara tingkat between the higher return that might be possible with greater
pengembalian yang tinggi, yang dimungkinkan dengan gearing and the advantages and security level afforded by a
gearing yang lebih besar serta keuntungan-keuntungan dan strong capital position.
tingkat keamanan yang didapat dari posisi modal yang kuat.
Manajemen menggunakan rasio permodalan yang diwajibkan Management uses regulatory capital ratios in order to
regulator untuk memantau permodalan Bank dan rasio-rasio monitor its capital base, and these capital ratios remain the
modal ini tetap menjadi standar industri untuk mengukur industry standards for measuring capital adequacy. OJK’s
kecukupan modal. Pendekatan OJK untuk pengukuran ini approach to such measurement is primarily based on
terutama didasarkan pada pemantauan hubungan antara monitoring the relationship of the Bank’s risk profile with the
profil risiko Bank dengan ketersediaan modal. Bank wajib available capital. The Bank is required to provide minimum
menyediakan modal minimum sesuai profil risiko. capital based on the risk profile.
Penyediaan modal minimum sebagaimana dimaksud Minimum capital requirements are as follows:
ditetapkan sebagai berikut:
a. Untuk profil risiko peringkat 1 (satu), modal minimum a. For banks with risk profile rating 1 (one), the minimum
terendah yang wajib dimiliki adalah 8% dari Aset capital requirement is 8% of Risk Weighted Asset;
Tertimbang Menurut Risiko;
b. Untuk profil risiko peringkat 2 (dua), modal minimum b. For banks with risk profile rating 2 (two), the minimum
terendah yang wajib dimiliki adalah 9% sampai dengan capital requirement is 9% to less than 10% of Risk
kurang dari 10% dari Aset Tertimbang Menurut Risiko; Weighted Asset;
c. Untuk profil risiko peringkat 3 (tiga), modal minimum c. For banks with risk profile rating 3 (three), the minimum
terendah yang wajib dimiliki adalah 10% sampai dengan capital requirement is 10% to less than 11% of Risk
kurang dari 11% dari Aset Tertimbang Menurut Risiko; Weighted Asset;
d. Untuk profil risiko peringkat 4 (empat) atau 5 (lima), modal d. For banks with risk profile rating 4 (four) or 5 (five), the
minimum terendah yang wajib dimiliki adalah 11% sampai minimum capital requirement is 11% to less than 14% of
dengan kurang dari 14% dari Aset Tertimbang Menurut Risk Weighted Asset.
Risiko.
109
Page 654
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 43. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI INDONESIA (lanjutan) INDONESIA ACCOUNTING STANDARDS (continued)
Informasi tambahan berikut yang disajikan dibawah ini merupakan The following additional information presented below is
informasi yang disyaratkan oleh regulasi yang berlaku dan information required by applicable regulations and is not
bukan/tidak merupakan informasi yang dipersyaratkan oleh information required by Indonesian Accounting Standards:
Standar Akuntansi Indonesia: (lanjutan) (continued)
g. Manajemen Risiko Permodalan (lanjutan) g. Capital Risk Management (continued)
Posisi modal yang diwajibkan regulator Bank sesuai Peraturan The Bank's regulatory capital position under prevailing
Otoritas Jasa Keuangan (POJK) yang berlaku pada tanggal 31 Financial Services Authority Regulation (POJK) as of
Desember 2025 dan 2024 adalah sebagai berikut: December 31, 2025 and 2024 was as follows:
2025 2024
(dalam jutaan Rupiah / in million Rupiah)
Modal inti (Tier 1) Core capital (Tier 1)
Modal inti utama (CET 1) 3.763.622 3.571.113 Common equity tier (CET 1)
Modal inti tambahan (AT 1) - - Additional equity tier (AT 1)
3.763.622 3.571.113
Modal pelengkap (Tier 2) 100.303 85.420 Supplementary capital (Tier 2)
Jumlah modal 3.863.925 3.656.533 Total capital
Aset Tertimbang Menurut Risiko Risk Weighted Asset
Risiko kredit 8.743.013 7.434.787 Credit risk
Risiko operasional 412.686 373.086 Operational risk
Risiko pasar - - Market risk
Total Aset Tertimbang Menurut Risiko 9.155.699 7.807.873 Total Risk Weighted Asset
Rasio kecukupan modal Capital Adequacy Ratio
Rasio CET 1 41,11% 45,74% CET 1 Ratio
Rasio tier 1 41,11% 45,74% Tier 1 Ratio
Rasio tier 2 1,10% 1,09% Tier 2 Ratio
Rasio modal terhadap ATMR 42,20% 46,83% Ratio of capital to ATMR
Rasio Kewajiban Penyediaan Modal 9,00% - <10,00% 9,00% - <10,00% Required Minimun Capital
Minimum yang diwajibkan Adequacy Ratio
Berdasarkan self-assessment Bank, pada tanggal 31 Based on its self-assessment, as of December 31, 2025 and
Desember 2025 dan 2024 profil risiko Bank dinilai berada 2024 the Bank’s risk profile is assessed to be in rating 2.
pada peringkat 2. Oleh karena itu, Bank berkewajiban untuk Therefore, the Bank is required to provide a mínimum capital
memenuhi modal minimum sebesar 9% sampai dengan of 9% to less than 10%. The Bank Capital Adequate Ratio
kurang dari 10%. Kewajiban Penyediaan Modal Minimum was 42.20% and 46.83%, which was higher than the
Bank berada pada level di atas modal minimum yang required minimum provision of capital.
diwajibkan tersebut, yaitu sebesar 42,20% dan 46,83%.
44. STANDAR AKUNTANSI BARU 44. NEW ACCOUNTING STANDARDS
Berikut ini ikhtisar Pernyataan Standar Akuntansi Keuangan The following summarizes the Statement of Financial Accounting
(PSAK) yang diterbitkan oleh Dewan Standar Akuntansi Keuangan Standards (PSAK) which were issued by the Financial
yang relevan untuk Bank, namun belum berlaku efektif untuk Accounting Standards Board and are relevant to the Bank, but is
laporan keuangan yang berakhir pada tanggal 31 Desember 2025: not yet effective for financial statements ended December 31,
2025:
Berlaku efektif pada atau setelah tanggal 1 Januari 2026: Effective on or after January 1, 2026:
- Amendemen PSAK 109 "Instrumen Keuangan". - Amendments to PSAK No. 109 on “Financial Instruments”.
- Amendemen PSAK 107 "Instrumen Keuangan: - Amendments to PSAK No. 107 on “Financial Instruments: on
Pengungkapan" tentang Klasifikasi dan Pengukuran Classification and Measurement of Financial Instruments.
Instrumen Keuangan.
Saat ini Bank sedang mengevaluasi dan belum menetapkan The Bank is currently evaluating the above standards and has
dampak dari penerapan standar tersebut serta pengaruhnya pada not yet determined the impact of these standard on the financial
laporan keuangan Bank. statement of the Bank.
110
Page 655
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2025 dan 2024 December 31, 2025 and 2024
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
45. LIABILITAS KONTINJENSI 45. CONTINGENT LIABILITIES
Bank saat ini mempunyai liabilitas kontinjensi yang signifikan The Bank currently has significant contingent liabilities in
terkait dengan beberapa perkara perdata sebagai berikut: connection with several civil cases as follows:
a. Gugatan No.1105/Pdt.G/2022/PN.Jkt.Sel pada Pengadilan a. Lawsuit No.1105/Pdt.G/2022/PN.Jkt.Sel at the South
Negeri Jakarta Selatan. Bank sebagai Tergugat I. Bank telah Jakarta District Court. Bank as the Defendant I. The Bank
memenangkan perkara pada tingkat Pengadilan Negeri, prevailed at the District Court, Appellate Court, and
Pengadilan Tinggi, dan Kasasi. Saat ini perkara masih dalam Cassation levels. The case is currently under Judicial
proses pemeriksaan pada tingkat Peninjauan Kembali di Review before the Supreme Court.
Mahkamah Agung.
b. Gugatan Perbuatan Melawan Hukum No. b. Lawsuit No. 164/Pdt.G/2024/PN.Jkt.Dpk, where OK Bank is
164/Pdt.G/2024/PN.Jkt.Dpk dimana Bank selaku Tergugat III. the Defendant III. The Bank prevailed at the District Court
Perkara telah diputus memenangkan Bank pada tingkat and the decision was upheld by the Appellate Court. The
Pengadilan Negeri dan dikuatkan pada tingkat Banding. Saat case is currently under cassation review.
ini perkara masih dalam proses pemeriksaan pada tingkat
Kasasi.
c. Gugatan Perbuatan Melawan Hukum No. c. Lawsuit 256/Pdt.G/2024/PN.Jkt.Pst Bank as the Defendant I.
256/Pdt.G/2024/PN.Jkt.Pst dimana Bank selaku Tergugat II. Currently still ongoing and is in the court process at the
Perkara telah diputus memenangkan Bank pada tingkat South Jakarta District Court. The Bank prevailed at the
Pengadilan Negeri dan dikuatkan pada tingkat Banding. Saat District Court and the decision was upheld by the Appellate
ini perkara masih dalam proses pemeriksaan pada tingkat Court. The case is currently under cassation review.
Kasasi.
d. Gugatan Perbuatan Melawan Hukum No. d. Lawsuit No. 1271/Pdt.G/2024/PN.Jkt.Sel, where OK Bank is
1271/Pdt.G/2024/PN.Jkt.Sel dimana Bank selaku Tergugat. the Defendant. The case is currently under examination at
Saat ini perkara masih dalam proses pemeriksaan pada the Cassation level.
tingkat Kasasi.
e. Gugatan Perbuatan Melawan Hukum No. e. Lawsuit No. 369Pdt.G/2025/PN.DPK, where OK Bank is the
369Pdt.G/2025/PN.DPK dimana Bank selaku Tergugat II. Saat Defendant II. The case is currently under examination at the
ini perkara masih dalam proses pada Pengadilan Negeri Depok District Court.
Depok.
f. Gugatan Perlawanan No. 454/Pdt.Bth/2025/PN.Jkt.Sel dimana f. Lawsuit No. 454/Pdt.Bth/2025/PN.Jkt.Sel, where the Bank is
Bank selakan Terlawan II. Saat ini persidangan masih berjalan named as Respondent II. The case is currently in the appeal
di tingkat banding pada Pengadilan Tinggi Jakarta stage before the Jakarta High Court.
(Pengadilan Tingkat Banding).
g. Gugatan Perbuatan Melawan Hukum No. g. Lawsuit No. 227/Pdt.G/2025/PN.Jkt.Pst, in which the Bank is
227/Pdt.G/2025/PN.Jkt.Pst dimana Bank selaku Tergugat. named as Defendant. The case is currently under cassation
Saat ini persidangan masih berjalan pada tingkat kasasi di review before the Supreme Court of the Republic of
Mahkamah Agung Republik Indonesia. Indonesia.
h. Gugatan Perbuatan Melawan Hukum h. Lawsuit No. 1421/Pdt.G/2025/PN.Dps, in which the Bank is
No.1421/Pdt.G/2025/PN.Dps dimana Bank selaku tergugat III. named as Defendant III. The case is currently under
Saat ini perkara masih dalam proses pada Pengadilan Negeri examination at the Denpasar District Court (first instance).
Denpasar Tingkat Pertama.
i. Gugatan Perbuatan Melawan Hukum i. Lawsuit No. 316/Pdt.G/2025/PN.Tangerang, in which the
No.316/Pdt.G/2025/PN.Tangerang dimana Bank selaku Turut Bank is named as Co-Defendant I. The case is currently
Tergugat I. Saat ini proses persidangan masih berjalan pada under cassation review before the Supreme Court of the
tingkat kasasi di Mahkamah Agung Republik Indonesia. Republic of Indonesia.
Manajemen Bank berkeyakinan bahwa penyelesaian kasus-kasus The Bank’s management believes that the above cases doesn’t
tersebut tidak mengganggu kinerja Bank dan karenanya interfere to the Bank performances, and accordingly the
manajemen berpendapat tidak perlu dibentuk penyisihan. management has the opinion hat no provision for possible losses
is required.
46. PENYELESAIAN DAN OTORISASI LAPORAN KEUANGAN 46. COMPLETION AND AUTHORIZATION OF THE FINANCIAL
STATEMENTS
Manajemen Bank bertanggung jawab atas penyusunan laporan The management of the Bank is responsible for the preparation
keuangan ini yang diselesaikan dan diotorisasi untuk diterbitkan of these financial statements which were completed and
oleh Direksi pada tanggal 26 Maret 2026. authorised for issuance by the Directors on March 26, 2026.
111
Page 656
2025
Laporan Tahunan dan Laporan Keberlanjutan
Annual Report and Sustainability Report
PT Bank Oke Indonesia, Tbk.
Jl. Ir. H. Juanda No.12
Jakarta Pusat / Central Jakarta 10120, Indonesia
021 - 2312633
021 - 2312604
customercare@okbank.co.id
www.okbank.co.id
Names mentioned 119 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Otoritas Jasa Keuangan Republik Indonesia
p.8
unresolved
org
Financial Services Authority
p.8 ×3
unresolved
org
Indonesia Stock Exchange
p.8 ×4
unresolved
person
Ir. H. Juanda
p.9 ×5
unresolved
person
Share Listing Chronology
· Komisaris
p.10
unresolved
person
Rangkap
· Komisaris
p.10
unresolved
org
Bank Praktik Bad Governance
p.11
unresolved
—
Frekuensi Pelibatan
p.15
unresolved
—
Engagement Frequency
p.15
unresolved
org
Bank Indonesia
p.28 ×33
unresolved
org
Bank Indonesia Penempatan
p.28
unresolved
org
PT Bureau Veritas Indonesia
p.36 ×2
unresolved
org
PT Bureau Veritas Indonesia Masa Berlaku
p.36
unresolved
org
Yayasan Kitabisa OK BANK Distributed Humanitarian Aid
p.39
unresolved
org
Yayasan Kitabisa
p.39
unresolved
org
PT Bank Oke Keberlanjutan
p.61
unresolved
person
Vice
· President Director
p.61 ×4
unresolved
person
Dr. Agung Iriantoro
· Notaris
p.64 ×10
unresolved
org
Kementerian Hukum Republik Indonesia Nomor AHU-AH.
p.64
unresolved
org
Ministry of Law
p.64
unresolved
org
Co. Ltd.
p.65
unresolved
org
Bank Dinar Indonesia Tbk
p.65 ×17
unresolved
person
Dewi Kusumawati
· Notaris
p.65 ×7
unresolved
org
Kementerian Hukum dan Hak Asasi Manusia Republik Indonesia Nomor AHU-AH.
p.65 ×3
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
p.65
unresolved
org
Ministry of Law and Human Rights
p.65 ×3
unresolved
org
Minister of Law and Human Rights
p.65
unresolved
org
Bank Dinar
p.66 ×12
unresolved
org
PT Liman International Bank
p.66 ×2
unresolved
org
PT Bank Dinar Indonesia. Bank Dinar
p.66
unresolved
org
PT Bank Dinar Indonesia. Transformasi Bank Dinar
p.66
unresolved
org
Bank Dinar’s
p.66 ×2
unresolved
org
Bank Pasar Seri Partha
p.67 ×3
unresolved
org
PT Bank Sri Partha
p.67 ×7
unresolved
org
Bank Andara
p.67 ×10
unresolved
org
Bank Andara Bank Andara
p.67
unresolved
org
PT Liman International Bank. Pasar Seri Partha.
p.68
unresolved
org
PT Liman International Bank. Established
p.68
unresolved
org
PT Bank Seri Partha.
p.68 ×4
unresolved
org
PT Bank Initial
p.68
unresolved
org
APRO Financial Co. Ltd.
p.68
unresolved
org
Bandung. APRO Financial Co. Ltd.
p.69
unresolved
org
Bank Indonesia Certificates
p.70
unresolved
org
Bank Oke Bersama BPR
p.73 ×2
unresolved
org
Bank Perkreditan Rakyat
p.73
unresolved
org
Bank Perkreditan Rakyat Indonesia
p.73
unresolved
person
KH. Wahid Hasyim
p.75
unresolved
org
Perhimpunan Bank Nasional (Perbanas)
· Anggota
p.76
unresolved
org
National Bank Association (Perbanas)
· Member
p.76
unresolved
person
Forum Komunikasi
· Direktur
p.76 ×3
unresolved
—
Communication Forum of Banking Compliance Directors (FKDKP)
· Member
p.76
unresolved
org
Ikatan Bankir Indonesia (IBI)
· Anggota
p.76
unresolved
—
Indonesian Bankers Association (IBI)
· Member
p.76
unresolved
—
Pefindo Biro Kredit
· Anggota
p.76
unresolved
—
Pefindo Credit Agency
· Member
p.76
unresolved
—
Communication Forum for Banking Operations Directors (FKDOP)
· Member
p.76
unresolved
org
ALCO Committee Corp.
p.80
unresolved
org
CEO OK Holdings Co., Ltd.
p.83
unresolved
org
OK Holdings Co., Ltd.
p.83
unresolved
org
CEO APRO Financial Co., Ltd.
p.83
unresolved
org
CEO OK NEXT Co., Ltd.
p.83
unresolved
org
Departemen Riset Jasa Keuangan
p.84
unresolved
org
Departemen Literasi dan Inklusi Keuangan
p.84
unresolved
org
Departemen Pengendalian Kualitas Pengawasan Perbankan
p.84
unresolved
org
Bank Supervisor Certification
p.84
unresolved
org
Bank Supervisor Bank Indonesia
p.86
unresolved
org
Bank Supervisor
p.86
unresolved
org
Sertifikasi
p.86
unresolved
org
Bank Examiner
p.86
unresolved
org
OK BANK. Komposisi
· Komisaris
p.87
unresolved
org
PT Bank Woori Saudara
p.89
unresolved
org
PT Bank Woori Saudara Indonesia
p.89 ×3
unresolved
org
Bank Woori
p.89 ×12
unresolved
—
Reappointed
· Vice President Director
p.90 ×2
unresolved
org
Bank Mutiara
p.90 ×8
unresolved
org
Bank Century
p.90 ×2
unresolved
org
Bank Danpac
p.90 ×2
unresolved
org
Bank Asia Pasific
p.90
unresolved
org
Bank Asia Pacific
p.90
unresolved
org
Bank Windu Kentjana
p.90 ×2
unresolved
org
Bank MNC
p.91 ×2
unresolved
org
Bank BNP
p.91 ×2
unresolved
org
PT Bank KEB Indonesia
p.93 ×2
unresolved
org
PT Bank KEB Hana
p.93 ×4
unresolved
org
PT Bank BNP Paribas
p.93
unresolved
org
PT Bank BNP Paribas Indonesia
p.93
unresolved
org
PT Korea Exchange Bank Danamon
p.93 ×2
unresolved
org
PT Oke Asset Indonesia Owned
p.201
unresolved
org
PT Oke Investment Indonesia Owned
p.201
unresolved
org
PT PTOP Indonesia Owned
p.201
unresolved
org
PT Ficomindo Buana
p.225
unresolved
org
PT Ficomindo Buana Registrar
p.225
unresolved
person
Park
p.225
unresolved
org
Kantor Akuntan Publik Paul Hadiwinata
p.226
unresolved
org
Palilingan & Rekan
p.226
unresolved
org
Palilingan & Partners
p.226
unresolved
person
Approving
· Komisaris
p.227
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