Bank Victoria

2019 LAPORAN TAHUNAN
ANNUAL REPORT
Tema dan Arti Tema
// Theme and Meaning of Theme
Towards Stronger, Resilient

and Balanced Growth
Menuju Pertumbuhan yang Lebih Kuat,
Lebih Tangguh, dan Lebih Seimbang
Pertumbuhan dan keberlanjutan usaha menjadi Business growth and sustainability are the main
target utama yang dituju oleh seluruh entitas usaha. targets for all business entities. These are the
Demikian pula halnya dengan PT Bank Victoria targets for PT Bank Victoria International Tbk as well.
International Tbk. Oleh karena itu, Bank menempuh Therefore, the Bank pursues a strategy to strengthen
strategi untuk menguatkan struktur permodalan, the capital structure, to develop corporate culture
mengembangkan budaya perusahaan dan budaya and digitech banking service culture, and to
pelayanan perbankan yang berbasis teknologi digital, prioritize sound and prudent credit growth. The
serta mengutamakan pertumbuhan kredit yang strategy is implemented in a flexible manner so
sehat dan pruden. Fleksibilitas dalam penerapan that the Bank’s growth remains solid in the midst of
strategi dilakukan agar pertumbuhan Bank tetap macroeconomic and banking industry pressures,
solid di tengah tekanan ekonomi makro dan industri in terms of economic growth (profitability) and
perbankan, baik pertumbuhan dari sisi ekonomi environmental and social benefit growth.
(profitabilitas), maupun pertumbuhan manfaat bagi
lingkungan dan sosial.
PT BANK VICTORIA INTERNATIONAL TBK 1 2019 ANNUAL REPORT

Sanggahan dan Batasan Tanggung Jawab
// Disclaimer and Scope of Responsibilities
Laporan Tahunan 2019 PT Bank Victoria International Tbk The 2019 Annual Report of PT Bank Victoria International Tbk
(selanjutnya disebut Bank Victoria atau Bank) ini disusun untuk (hereinafter referred to as Bank Victoria or Bank) is prepared in
memenuhi ketentuan peraturan perundang-undangan terkait order to comply with the regulatory requirement to report the
pelaporan hasil kinerja Bank pada periode 1 Januari 2019 sampai Bank’s performance for the period of January 1, 2019 to December
dengan 31 Desember 2019 kepada regulator. Laporan Tahunan ini 31, 2019. This Annual Report is, among others, published in
antara lain disusun berdasarkan Peraturan Otoritas Jasa Keuangan accordance to the Financial Services Authority Regulation No.
No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau 29/POJK.04/2016 on The Issuers and Public Companies Annual
Perusahaan Publik dan Surat Edaran Otoritas Jasa Keuangan Report and Financial Services Authority Circular Letter No. 30/
No. 30/SEOJK.04/2016 tentang Bentuk dan Isi Laporan Tahunan SEOJK.04/2016 concerning the Form and Content of the Issuers
Emiten atau Perusahaan Publik. and Public Companies Annual Reports.
Laporan Tahunan ini memuat pernyataan terkait tujuan, kebijakan, This Annual Report contains statements related to the objective,
rencana, strategi, serta hasil operasi dan keuangan yang disusun policy, plan, strategy, as well as the operational and financial
berdasarkan data faktual yang dapat dipertanggungjawabkan result of the Company that is prepared based on factual data
kebenarannya. Laporan Tahunan ini juga menyajikan informasi that is accountable. In addition, this Annual Report also presents
terkait proyeksi kerja Bank untuk tahun 2019 yang disusun information related to the Bank’s business projection for 2019
berdasarkan pernyataan-pernyataan prospektif dan berbagai which is prepared based on prospective statements and various
asumsi mengenai kondisi mendatang Bank, serta lingkungan assumptions related to future condition of the Bank, and relevant
bisnis yang terkait, sehingga dapat mengakibatkan perkembangan business condition, which may develop materially different than
aktual yang secara material berbeda dari yang dilaporkan dalam what is stated in this Annual Report. Therefore, the Bank request
Laporan Tahunan ini. Oleh karena itu, Bank menghimbau agar the stakeholders to use this information for their decision making
pemangku kepentingan dapat menggunakan informasi tersebut wisely.
secara bijak dalam pengambilan keputusan.
Kesinambungan Tema
// Theme Sustainability
2018
Enhancing Banking
Service of Excellence
Bank Victoria melakukan transformasi bisnis Bank Victoria performed a business transformation
dengan tujuan utama yaitu untuk meningkatkan with the main purpose of improving the Bank’s
layanan keunggulan Bank. Transformasi bisnis superior services. Business transformation was
dilakukan melalui 4 (empat) pendekatan, yaitu carried out through 4 (four) approaches, which
Budaya Kerja, Kualitas Aset, Pertumbuhan, are Work Culture, Quality of Assets, Sustainable
Berkesinambungan, serta Aliansi dan Transaksi Growth, and Alliance and Banking Transactions.
Perbankan.
PT BANK VICTORIA INTERNATIONAL TBK 2 LAPORAN TAHUNAN 2019

2017
Continuous Improvement towards
Sustainable Growth
Bank Victoria senantiasa mengupayakan Bank Victoria continues to pursue prudent

pertumbuhan secara prudent dan kompetitif, and competitive growth, not just against the
bukan hanya dibandingkan kompetitor dalam competitors in BUKU II bank group, but also
Kelompok Bank BUKU II, namun juga dibandingkan compared to other banks. This growth is
bank-bank lainnya. Pertumbuhan ini khususnya particularly supported by the expansion of the
didukung oleh perluasan segmen bisnis perbankan course of banking business segment, which is the
yang dijalankan, yakni dengan beroperasinya Bank operation of Bank Victoria as a foreign exchange
Victoria sebagai bank devisa. bank.
2016
Sustainable Asset
Quality Growth
Menetapkan strategi-strategi kunci untuk Establishing key strategies to achieve sustainable

mencapai pertumbuhan kualitas aset yang asset quality growth through managing its lending
berkelanjutan, yakni melalui pengelolaan distribution and third-party funding.
penyaluran kredit dan penghimpunan dana pihak
ketiga.
2015
Transformation Towards Excellence with
Good Governance
Menjalankan transformasi dengan senantiasa Conducting transformation by continuous

melakukan continuous improvement yang berfokus improvement, focusing on improvement of people,
pada improvement people, process, technology dan processes, technology, and quality.
quality.
2016
Growing Through
Effectiveness
Fokus pada efektifitas proses. Focus on the process effectiveness.

Pencapaian Penting 2019
// Significant Achievement in 2019
Konsolidasi
Consolidated
0.94%
Rp30,46
triliun/trillion
Aset
Assets
01
6.43%
Rp2,99
triliun/trillion
Ekuitas
Equity
02
5.79%
Rp23,48
triliun/trillion
Dana Pihak Ketiga dan Dana Syirkah Temporer
Third-Party Funds and Temporary Syrikah Fund
03
6.38%
Rp17,44
triliun/trillion
Pinjaman yang Diberikan, Pembiayaan
dan Piutang Syariah
Loans, Sharia Financing and Receivables
04
Entitas Induk (Bank Victoria)
Parent Entity (Victoria Bank)
0.70%
Rp28,55
triliun/trillion
Aset
Assets
05
5.98%
Rp2,99
triliun/trillion
Ekuitas
06 Equity
5.70%
Rp21,77
triliun/trillion
Dana Pihak Ketiga
Third-Party Funds
07
6.92%
Rp16,21
triliun/trillion
Pinjaman yang Diberikan
Loans
08

Keunggulan Kompetitif Bank Victoria
// Competitive Advantages of Bank Victoria
Memiliki 86 Jaringan Kantor Operasional yang

Berfokus pada Penetrasi Pasar
86 Operational Office Networks Focusing on Market
Penetration
Sampai dengan saat ini, Bank Victoria telah melakukan ekspansi

di beberapa wilayah di Indonesia, terutama Jabodetabek,
01
Until now, Bank Victoria has expanded in several regions in
Indonesia, especially Jabodetabek, Bandung, Surabaya, Manado,
Bandung, Surabaya, Manado, Makassar, Bali, dan Semarang. Hal Makassar, Bali, and Semarang. This is a form of maximizing Bank
ini merupakan bentuk maksimalisasi perluasan bisnis dan jaringan Victoria’s business and network expansion. In 2019, Bank Victoria
Bank Victoria. Pada tahun 2019, Bank Victoria telah membuka opened 2 (two) new branch offices in Solo and Medan.
2 (dua) kantor cabang baru yang terletak di Solo dan Medan.
Memiliki Tingkat Kecukupan

Modal yang Kuat
Strong Capital Adequacy
02
Bank Victoria memiliki tingkat kecukupan modal (capital Bank Victoria has strong capital adequacy ratio/CAR, and
adequacy ratio/CAR) yang kuat, sehingga mampu menopang therefore can support quality growth of credit portfolio. Bank
pertumbuhan portofolio kredit yang berkualitas. Bank Victoria Victoria also increases CAR periodically to maintain and manages
juga meningkatkan CAR secara berkala untuk menjaga dan capital to be in a sound level.
mengelola permodalan agar tetap sehat.
Memiliki Potensi Sinergi dan Saling Menguntungkan

dengan Seluruh Grup Usaha dan Entitas Anak
Potential Synergy and Mutual Benefits with All Business
03
Groups and Subsidiaries
Bank Victoria terus melakukan inovasi produk dan layanan Bank Victoria keeps making product innovation and financial
finansial bagi nasabah, baik melalui Entitas Anak maupun secara services for customers, either through Subsidiaries or individually
individu melalui kerja sama dengan sister companies dalam Grup through cooperation with its sister companies within the Victoria
Victoria. Pada tahun 2019, Bank Victoria meluncurkan produk dan Group. In 2019, Bank Victoria launched various new product
pengembangan aktivitas baru yang beragam dengan bertujuan and development activities aiming at supporting its business
untuk mendukung ekspansi bisnis khususnya retail banking. expansion, especially retail banking.

Manajemen yang Kuat, Berpengalaman dan
Berdedikasi dengan Visi dan Misi Baru, serta
Memiliki Komitmen Tinggi pada Peningkatan
Penerapan GCG
Strong, Experienced, and Dedicated Management with
New Vision and Mission, as well as High Commitment on
04
Improving GCG implementation
Bank Victoria membangun manajemen yang kuat dalam Bank Victoria builds strong management in supporting the Bank’s
mendukung Visi dan Misi Bank untuk menjadi bank pilihan Vision and Mission to become customers’ preferred Bank which is
nasabah yang terpercaya, sehat dan efisien. Bank Victoria juga trustworthy, sound, and efficient. Bank Victoria also realizes its
mewujudkan komitmen penuh dalam menerapkan prinsip GCG, full commitment in implementing GCG principles, among others
antara lain ditunjukkan dari nilai komposit GCG Bank Victoria as shown from Bank Victoria’s GCG composite value of “2” or at
sebesar “2” atau pada Level “BAIK” di tahun 2019. “GOOD” Level in 2019.
Menerapkan Good Personal Customer Relation

Approach (Relationship Banking)
Implement the Good Personal Customer Relation
Approach (Relationship Banking)
05
Kepuasan nasabah menjadi faktor penting bagi Bank Victoria. Customer satisfaction is an important factor for Bank Victoria.
Hal ini diharapkan dapat menjadi pendorong utama, sehingga This matter is expected to be the main driver, to have a loyal
mempunyai customer base loyal, yang pada akhirnya mampu customer base, which eventually can give a positive impact and
memberikan dampak yang positif dan berpengaruh signifikan a significant effect on Bank Victoria’s business continuity, both in
bagi kelangsungan usaha Bank Victoria, baik dalam jangka pendek the short and long term.
maupun panjang.

Kilas Kinerja Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance Highlights Management Report Company Profile Management Discourse and Analysis
Kilas Kinerja
Performance Highlights
Sesuai dengan tema RBB 2019-2021, yaitu Enhancing Banking

Service of Excellence, maka Bank Victoria fokus melakukan
transformasi terhadap budaya kerja, perbaikan kualitas
portofolio aset, penguatan bisnis utama, serta penguatan
aliansi strategis dan transaksi perbankan.
In line with the theme of 2019-2021 Bank’s Business Plan, Enhancing Banking Service
of Excellence, Bank Victoria is focused on the transformation of work culture, the
improvement of asset portfolio quality, the strengthening of core business, and the
strengthening of strategic alliances and banking transactions.

Aspek Pendukung Bisnis Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Struktur Permodalan dan Praktik Manajemen Risiko
Aspect of Business Support Good Corporate Governance Corporate Social Responsibility Capital Structure and Risk Management Practices

Kilas Kinerja
// Performance Highlights
Ikhtisar Keuangan
Financial Highlights
(dalam juta Rupiah / in million Rupiah)
Uraian 2019 2018 2017 2016 2015 Description

LAPORAN POSISI KEUANGAN KONSOLIDASIAN CONSOLIDATED STATEMENTS OF FINANCIAL POSITION
Aset Assets
Kas 40,656 57,676 72,142 73,136 68,339 Cash
Current accounts with Bank

Giro pada Bank Indonesia 1,810,636 1,551,075 1,768,561 1,467,640 1,425,748
Indonesia
Current accounts with other

Giro pada bank lain 125,446 91,962 75,231 20,202 8,852
banks
Penempatan pada Bank Placements with Bank Indonesia

306,638 2,401,787 2,114,573 1,449,178 1,837,189
Indonesia dan bank lain and other banks
Efek-efek 7,911,480 6,797,478 7,930,092 7,282,892 5,834,147 Marketable securities
Dikurangi: Cadangan kerugian Less: Allowance for impairment

(11,240) (72,957) (32,309) - (3,450)
penurunan nilai losses
Efek-efek yang dibeli dengan Securities purchased under

1,000,006 1,000,011 - - 214,535
janji dijual kembali resale agreements
Pendapatan bunga dan syariah Interest and sharia income

192,745 189,997 221,739 214,417 188,759
yang masih akan diterima receivables
Pajak dibayar dimuka - - - - 15,768 Prepaid taxes
Biaya dibayar dimuka 25,669 21,404 19,862 17,469 16,878 Prepaid expenses
Pinjaman yang diberikan, Loans, sharia financing and

pembiayaan dan piutang syariah receivables
Pihak berelasi 246,157 84,330 87,999 58,014 9,615 Related parties
Pihak ketiga 17,193,963 16,309,266 15,743,265 14,479,925 13,084,433 Third parties

(385,381) (290,825) (254,577) 277,093 (269,304)
Tagihan akseptasi 66,543 164,547 117,881 9,731 6,049 Acceptance receivable
Penyertaan saham 86,226 60 60 60 60 Investments in shares

(1) 0 0 0 0
Agunan yang diambil alih 1,273,552 1,211,740 374,764 558,847 213,977 Foreclosed assets

(168,345) (157,720) (87,126) (26,745) (11,516)
Aset pajak tangguhan – neto 162,298 172,902 90,404 99,374 15,468 Deferred tax assets - net
Aset tetap 588,789 595,089 568,733 575,230 580,228 Fixed assets
Dikurangi: Akumulasi penyusutan (67,053) (53,805) (40,731) (30,740) (12,550) Less: Accumulated depreciation
Aset tidak berwujud – neto 7,546 8,654 6,037 5,076 4,380 Intangible assets - net
Aset lain-lain 51,800 89,644 49,009 23,365 23,081 Other assets
Less: Allowance for impairment

Dikurangi: Akumulasi penyusutan (1,672) - - - -
losses
Total Aset 30,456,459 30,172,315 28,825,609 25,999,981 23,250,686 Total Assets


Liabilitas, Dana Syirkah Temporer, dan Ekuitas Liabilities, Temporary Syirkah Funds, and Equity
Liabilitas Liabilities
Liabilitas segera 2,077 4,393 4,495 3,373 2,312 Obligations due immediately
Simpanan nasabah Deposits from customers
Simpanan dari bank lain Deposits from other banks
Pihak Ketiga 909,310 1,835,799 2,236,882 1,332,527 1,646,350 Third parties
Efek-efek yang dijual dengan Securities sold under

1,000,001 1,302,664 - 101,621 -
janji dibeli kembali repurchase agreements
Utang akseptasi 49,006 161,198 77,660 4,682 - Acceptance payable
Efek-efek yang diterbitkan 1,780,135 1,585,723 1,140,423 995,161 993,189 Securities issued
Utang pajak Taxes payable
Pajak penghasilan badan 207 36,747 15,757 2,764 10,025 Corporate income tax
Pajak lainnya 29,770 28,584 26,212 27,936 25,992 Other taxes
Liabilitas pajak tangguhan –

- - - - 35,875 Deferred tax liability - net
neto
Liabilitas imbalan kerja

65,755 73,622 76,385 62,654 51,671 Employee benefits obligation
Karyawan
Akrual dan liabilitas lain-lain 154,416 143,459 131,190 119,923 93,111 Accruals and other liabilities
Total Liabilitas 25,782,314 25,808,570 24,483,975 22,174,925 20,031,590 Total Liabilities
Dana Syirkah Temporer Temporary Syrikah Fund
Simpanan nasabah Deposits from customers
Simpanan bank lain Deposits from other banks
Pihak ketiga 181,500 107,700 21,600 31,250 22,150 Third parties
Total Dana Syirkah Temporer 1,687,690 1,557,720 1,495,288 1,198,799 1,105,406 Total Temporary Syirkah Fund
Ekuitas Equity
Modal saham 895,195 867,105 867,105 789,065 713,917 Share capital
Tambahan modal disetor 282,776 211,681 211,681 21,945 21,945 Additional paid-in capital
Saham disetor dimuka - - - 267,776 - Capital subscribed in advance
Keuntungan/(kerugian)
yang belum direalisasi atas Unrealised gain/(loss) from
perubahan nilai wajar efek-efek 30,500 (58,235) 69,692 (14,306) (6,046) available for sale marketable
yang tersedia untuk dijual, securities, net of tax
setelah pajak


Surplus revaluasi aset tetap, Gain on revaluation of fixed
339,336 355,459 355,459 355,459 276,071
setelah pajak assets, net of tax
Pengukuran kembali atas liabilitas Remeasurements on employee

19,107 12,833 - - -
imbalan kerja, setelah pajak benefit liabilities, net of tax
Saldo laba Retained earnings
Telah ditentukan
186,356 175,156 150,156 116,000 91,000 Appropriated
penggunaannya
Belum ditentukan
1,233,168 1,242,010 1,192,235 1,090,315 1,016,788 Unappropriated
penggunaannya
Kepentingan nonpengendali 17 16 18 17 16 Non-controlling interest
Total Ekuitas 2,986,455 2,806,025 2,846,346 2,626,271 2,113,690 Total Equity
Total Liabilitas, Dana Syirkah Total Liabilities, Temporary

30,456,459 30,172,315 28,825,609 25,999,981 23,250,686
Temporer, dan Ekuitas Syirkah Fund, and Equity
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN CONSOLIDATED STATEMENTS OF PROFIT OR LOSS AND OTHER
KONSOLIDASIAN COMPREHENSIVE INCOME
Pendapatan bunga dan syariah 2,223,205 2,280,213 2,292,718 2,160,859 2,013,810 Interest and sharia income
Beban bunga dan syariah (1,954,057) (1,820,882) (1,835,041) (1,857,234) (1,657,331) Interest and sharia expenses
Pendapatan bunga dan syariah

269,148 459,331 457,677 303,624 356,479 Interest and sharia income - net
– neto
Pendapatan operasional
362,155 378,889 416,596 313,458 203,314 Other operating income
lainnya
Beban operasional lainnya (648,357) (741,052) (736,193) (531,820) (482,955) Other operating expenses
(Rugi)/laba operasional (17,054) 97,168 138,080 85,262 76,839 (Loss)/income from operations
Pendapatan non operasional

(7,672) (3,808) 38,057 7,599 1,170 Non-operating income - net
– neto
(Rugi)/laba sebelum beban pajak

(24,725) 93,360 176,137 92,861 78,009 Income tax expense income tax
penghasilan
Manfaat/(beban) pajak
10,961 (14,278) (40,047) 7,500 76 Benefit/(Expense) - Net
penghasilan – neto
(Rugi)/laba bersih yang dapat Net (loss)/income

(13,765) 79,082 136,091 100,360 78,085
diatribusikan kepada: attributable to:
Pemilik Equity holders of the parent

(13,765) 79,082 136,090 100,362 78,087
Entitas Induk entity
Kepentingan non-pengendali 0 0 1 (2) (2) Non-controlling interest
Penghasilan/(rugi) komprehensif Other comprehensive income/

95,010 (119,418) 83,984 69,293 275,785
lain, setelah pajak penghasilan (loss), net of income tax
Jumlah penghasilan/(rugi) Total comprehensive income/

81,245 (40,336) 220,075 169,653 353,870
komprehensif (loss)
(Rugi)/laba komprehensif yang Comprehensive (loss)/income

81,245 (40,336) 220,075 169,653 353,870
dapat diatribusikan kepada: attributable to:
Attributable to equity holders

Pemilik Entitas induk 81,244 (40,334) 220,075 169,652 353,881
of the parent entity
Attributable to noncontrolling
Kepentingan nonpengendali 1 (2) 0 1 (11)
interest
(Rugi)/laba bersih per saham (Loss)/earnings per share

yang dapat diatribusikan kepada attributable to entity holders of
pemilik Entitas Induk the Parent Entity
Dasar (Rupiah penuh) (1.56) 9,12 15.69 13.56 10.94 Basic (whole Rupiah)
Dilusian (Rupiah penuh) (1.56) 9,12 15.69 13.56 9.73 Diluted (whole Rupiah)


CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEARS
LAPORAN ARUS KAS KONSOLIDASIAN
ENDED
Kas bersih dari (untuk) aktivitas Cash flow from (for) operating
(1,144,408) (1,343,241) 1,408,519 785,605 503,034
operasi activities
Kas bersih dari (untuk) aktivitas Cash flow from (for) investing
(917,295) 1,150,587 (495,577) (1,980,687) (1,069,814)
investasi activities
Kas bersih dari (untuk) aktivitas Cash flows from (for) financing
299,184 450,000 250,000 342,924 0
pendanaan activities
(Penurunan)/kenaikan bersih kas Net (decrease)/increase of cash

(1,762,519) 257,346 1,162,942 (852,158) (566,779)
dan setara kas and cash equivalents
Kas dan setara kas pada awal Cash and cash equivalents at
3,908,258 3,650,912 2,487,970 3,340,128 3,906,907
tahun beginning of year
Kas dan setara kas pada akhir Cash and cash equivalents at
2,145,739 3,908,258 3,650,912 2,487,970 3,340,128
tahun end of year
RASIO KEUANGAN* FINANCIAL RATIOS*

(dalam%) (in %)
Permodalan Capital
KPMM dengan
CAR by calculating credit and
memperhitungkan risiko 17.76 16.98 18.76 26.18 20.38
operational risk
kredit dan operasional
KPMM dengan
CAR by calculating credit,
memperhitungkan risiko kredit, 17.29 16.73 18.17 24.58 19.30
operational, and market risk
operasional, dan pasar
Aktiva tetap terhadap modal 15.74 17.90 18.05 19.98 17.38 Fixed assets to capital
Aset Produktif Earning Assets
Non-performing earning assets

Aset produktif dan non-produktif
and non-earning assets to total
bermasalah terhadap total aset 6.30 2.36 2.94 2.18 2.63
earning assets and non-earning
produktif dan non-produktif
assets
Aset produktif bermasalah Non-performing earning assets

4.42 2.10 1.86 2.35 2.86
terhadap total aset produktif to total earning assets
Allowance for impairment losses

CKPN aset keuangan terhadap
1.48 1.38 1.16 1.07 1.08 of financial assets to earning
aset produktif
assets
Pemenuhan CKPN aset Allowance for impairment losses

106.26 106.90 83.73 79.25 80.79
produktif fulfillment of earning assets
Pemenuhan CKPN aset non- Allowance for impairment losses

98.51 481.22 160.11 59.98 0.00
produktif fulfillment of nonearning assets
NPL bruto 6.77 3.48 3.05 3.89 4.48 Gross NPL
NPL neto 4.96 1.90 2.32 2.37 3.93 Net NPL
Profitabilitas Profitability
ROA (0.09) 0.33 0.64 0.52 0.65 ROA
ROE (0.57) 3.41 5.52 4.79 6.73 ROE
NIM 1.07 1.82 2.13 1.53 2.08 NIM
BOPO 100.69 100.24 94.53 94.30 93.89 BOPO
Rasio laba (rugi) terhadap total Income (loss) to total assets

(0.05) 0.26 0.48 0.41 0.54
aset ratio
Rasio laba (rugi) terhadap total

(0,46) 2.82 4.62 3.82 5.65 Income (loss) to total equity ratio
ekuitas
Rasio laba (rugi) terhadap

(0.67) 3.75 6.13 4.79 4.67 Income (loss) to interest income
pendapatan bunga


Rasio liabilitas terhadap total
89.54 90.06 89.52 89.34 90.41 Liabilities to total assets ratio
aset
Rasio liabilitas terhadap

856.22 906.29 854.52 837.92 1,000.00 Liabilities to total equity ratio
total ekuitas
Likuiditas Liquidity
LDR 74.46 73.61 70.25 68.38 70.17 LDR
LFR 72.84 72.32 69.65 67.79 69.54 LFR
Rasio aktiva keuangan terhadap Financial assets to financial

111.47 108.99 108.41 107.09 93.46
liabilitas keuangan liabilities ratio
Kepatuhan Compliance
Persentase pelanggaran BMPK 0.00 0.00 0.00 0.00 0.00 Percentage of LLL violation
Pihak terkait 0.00 0.00 0.00 0.00 0.00 Related parties
Pihak tidak terkait 0.00 0.00 0.00 0.00 0.00 Non-related parties
Persentase pelampauan BMPK 0.00 0.00 0.00 0.00 0.00 Percentage of LLL excess
Pihak terkait 0.00 0.00 0.00 0.00 0.00 Related parties
Pihak tidak terkait 0.00 0.00 0.00 0.00 0.00 Non-related parties
Primary minimum reserve

GWM primer – Rupiah 7.79 7.26 7.97 7.52 8.35
requirements - Rupiah
Secondary minimum reserve

GWM primer - Valas 8.05 8.09 8.97 0.00 0.00
requirements - Valas
Secondary minimum reserve

GWM sekunder – Rupiah 13.03 13.84 17.37 14.46 12.21
requirements - Rupiah
Posisi devisa neto (PDN) secara Net Open Position (NOP)

0.29 0.47 0.07 0.00 0.00
keseluruhan in overall
* Merupakan angka PT Bank Victoria International Tbk (induk saja).

* The figure is for PT Bank Victoria International Tbk (parent only).
Total Aset Total Liabilitas

Total Assets Total Liabilities
30,456,459
30,172,315
28,825,609
25,808,570
25,999,981 25,782,314
24,483,975
23,250,686
22,174,925
20,031,590
2015 2016 2017 2018 2019 2015 2016 2017 2018 2019
(dalam juta Rupiah / in million Rupiah) (dalam juta Rupiah / in million Rupiah)

Total Ekuitas Total Dana Syirkah Temporer

Total Equity Total Temporary Syirkah Fund
2,986,455
2,846,346 2,806,025
2,626,271
1,687,690
1,557,720
2,113,690 1,495,288
1,198,799
1,105,406
2015 2016 2017 2018 2019 2015 2016 2017 2018 2019
Pendapatan Bunga dan Syariah (Rugi)/Laba Tahun Berjalan

Interest and Sharia Income (Loss)/Profit for the Year
2,292,718
2,280,213 2,223,205
2,160,859
2,013,810 136,091
100,360 79,082
78,085
2015 2016 2017 2018 2019
2015 2016 2017 2018 2019 (13,765)
(Rugi)/Laba Komprehensif Tahun Berjalan (Rugi)/Laba per Saham Dasar

Comprehensive Net/ (Loss) of the Year Basic (Loss)/Earnings per Share
353,870
220,075
15.69
169,653 13.56
10.94
9.12
81,245
2015 2016 2017 2018 2019 2015 2016 2017 2018 2019
(40,336) (1.56)
(dalam juta Rupiah / in million Rupiah) (dalam Rupiah penuh / in whole Rupiah)

Ikhtisar Operasional
Operational Highlights

PRODUK SIMPANAN* DEPOSIT PRODUCTS*
(dalam unit rekening) (in account unit)
Tabungan 67,639 70,558 70,504 65,013 52,391 Saving deposits
Giro 2,535 2,306 2,373 2,173 2,165 Demand deposits
Deposito berjangka 25,345 24,187 25,364 21,616 15,601 Time deposits
Total 95,519 97,051 98,241 88,802 70,157 Total
PRODUK PINJAMAN LOAN PRODUCTS

(dalam juta Rupiah) (in million Rupiah)
Pinjaman tetap 11,107,487 10,558,486 9,223,073 8,038,703 7,631,078 Fixed loans
Pinjaman konsumen 234,595 299,260 396,336 508,247 544,281 Consumer loans
Pinjaman rekening koran 1,231,160 1,220,461 889,565 870,230 1,058,895 Overdraft loans
Pinjaman tetap dengan 1,109,445 985,740 3,980,405 3,789,570 2,615,929 Fixed loans with instalments
angsuran
Pinjaman serba guna 92,886 53,409 78,889 118,020 167,396 Multipurpose loans
Pinjaman tanpa agunan - - 71 479 788 Other loans
Pembiayaan syariah 3,664,545 3,276,242 1,262,926 1,212,690 1,075,681 Sharia financing
Total 17,440,118 16,393,598 15,831,264 14,537,940 13,094,048 Total

Produk Simpanan Produk Pinjaman

Deposit Products Loan Products
98,241 17,440,118
97,051
95,519 16,393,598
15,831,264
88,802 14,537,940
13,094,048
70,157
2015 2016 2017 2018 2019 2015 2016 2017 2018 2019
(dalam unit rekening / in account unit) (dalam juta Rupiah / in million Rupiah)

Informasi Lainnya Other Information

JARINGAN KANTOR OFFICE NETWORK
(dalam unit) (in unit)
Kantor Pusat 1 1 1 1 1 Head Office
Kantor Cabang 14 12 9 8 6 Branch Office
Kantor Cabang Pembantu 63 65 68 67 63 Sub-branch Offices
Other Office Network (Cash

Jaringan Kantor Lain (Kantor
8 14 27 27 32 Office, Payment Point, and
Kas, Payment Point, dan lainnya)
others)
KARYAWAN EMPLOYESS
Wanita 518 524 555 565 550 Woman
Pria 496 520 552 659 627 Man
Total Karyawan 1,014 1,044 1,107 1,224 1,177 Total of Employess
Ikhtisar Saham
Share Highlights
Volume Jumlah Saham

Harga Harga Harga Harga Kapitalisasi
Perdagangan Beredar
Pembukaan Terendah Tertinggi Penutupan Pasar
Periode (Lembar) (Lembar)
Period Opening Lowest Highest Closing Market
Trading Number of
Price Price Price Price Capitalization
Volume Outstanding
(Rp) (Rp) (Rp) (Rp) (Rp)
(Shares) (Shares)
2019
Triwulan I
190 165 192 167 7,056,700 8,671,048,162 1,448,065,043,054
Quarter I
Triwulan II
168 145 175 169 3,046,900 8,951,947,039 1.512,879,049,591
Quarter II
Triwulan III
168 155 200 173 62,209,400 8,951,947,039 1.548,686,837,747
Quarter III
Triwulan IV
179 65 224 84 364,758,800 8,951,947,039 751,963,551,276
Quarter IV
2018
Triwulan I
236 224 294 228 195,306,900 8,671,048,162 1,976,998,980,936
Quarter I
Triwulan II
228 195 262 224 77,345,200 8,671,048,162 1,942,314,788,288
Quarter II
Triwulan III
224 192 226 196 14,289,600 8,671,048,162 1,690,854,391,590
Quarter III
Triwulan IV
196 150 208 190 6,045,600 8,671,048,162 1,647,499,150,780
Quarter IV
2017
Triwulan I
107 98 123 113 30,248,100 8,671,048,162 979,828,442,306
Quarter I
Triwulan II
111 103 340 294 745,583,700 8,671,048,162 2,549,288,159,628
Quarter II
Triwulan III
194 182 326 204 153,092,900 8,671,048,162 1,768,893,825,048
Quarter III
Triwulan IV
196 150 208 190 6,045,600 8,671,048,162 1,647,499,150,780
Quarter IV

Grafik Perdagangan Saham Bank Victoria

Graphic of Stock Trading of Bank Victoria
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)

Sales Volume (Share) Closing Price (Rp)
120,000,000 350
100,000,000 250
80,000,000 200
60,000,000 150
40,000,000 100
20,000,000 50
0 0
2018 2019
Volume Perdagangan Harga Penutupan

Sales Volume Closing Price
Aksi Korporasi
Corporate Action
Selama tahun 2019, Bank Victoria tidak melakukan aksi korporasi Throughout 2019, Bank Victoria did not carry out corporate
seperti pemecahan saham (stock split), penggabungan saham actions such as stock split, reverse stock, stock dividend, bonus
(reverse stock), dividen saham, saham bonus, dan perubahan nilai stock, and changes to the nominal value of stock.
nominal saham.
Namun demikian, pada tahun 2019, Bank Victoria melakukan However, in 2019, Bank Victoria made Capital Increase without
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu Preemptive Rights (PMTHMETD) and Public Offering of Continuous
(PMTHMETD) dan Penawaran Umum Berkelanjutan II Obligasi yang Bonds II as described below.
diuraikan sebagai berikut.
1. Penambahan Modal Tanpa Hak Memesan Efek 1. Capital Increase Without Preemptive Rights
Terlebih Dahulu (PMTHMETD) (PMTHMETD)
Pada Mei 2019, Bank Victoria melakukan PMTHMETD dengan In May 2019, Bank Victoria conducted PMTHMETD with a total
total jumlah saham tambahan sebanyak 280.898.877 lembar number of additional shares of 280,898,877, with an exercise
saham yang dilakukan dengan harga pelaksanaan sebesar price of Rp356. Therefore, the total issued and paid up capital
Rp356,-. Dengan demikian, total modal ditempatkan of Bank Victoria after executing PMTHMETD transaction was
dan disetor Bank Victoria setelah pelaksanaan transaksi 8,951,947,039 shares.
PMTHMETD menjadi 8.951.947.039 lembar saham.

2. Penawaran Umum Berkelanjutan II Obligasi 2. Public Offering of Continuous Bond II and

dan Obligasi Subordinasi Bank Victoria Tahap I Subordinated Bonds Phase I of Bank Victoria of
tahun 2019 2019
Pada Juni 2019, Bank Victoria menerbitkan: In June 2019, Bank Victoria issued:
a. Obligasi sebesar Rp100.000.000.000,- dengan tingkat a. Bonds at Rp100,000,000,000, with a fixed interest rate
bunga tetap sebesar 9,75% per tahun, berjangka waktu of 9.75% per year, with a term of 2 (two) years from the
2 (dua) tahun sejak tanggal emisi. Obligasi ini ditawarkan issuance date. Bonds, offered at a value of 100.00%
dengan nilai 100,00% dari jumlah pokok obligasi. Bunga of the total principal. The bond’s interest is paid every
obligasi dibayarkan setiap 3 (tiga) bulan sekali terhitung 3 (three) months, starting from the issuance date.
sejak tanggal emisi. Pembayaran bunga obligasi pertama The first bond interest payment will be made on 28
akan dilakukan pada 28 September 2019, sedangkan September 2019, while the final bond interest payment
pembayaran bunga obligasi terakhir akan dilakukan pada will be made at the Bonds Maturity Date on 28 June 2021.
tanggal Jatuh Tempo Obligasi yaitu pada 28 Juni 2021.
b. Obligasi Subordinasi sebesar Rp250.000.000.000,- b. Subordinated bonds of Rp250,000,000,000 are offered
ditawarkan pada nilai nominal berjangka waktu 7 (tujuh) at nominal value with 7 (seven) year period from the
tahun terhitung sejak tanggal emisi. Obligasi Subordinasi issuance date. Subordinated Bonds at a fixed interest
diterbitkan dengan tingkat bunga tetap untuk tahun rate for the first to the seventh year of 11.75% per
ke-1 sampai dengan tahun ke-7 adalah sebesar 11,75% year. The Subordinated Bonds are offered at 100.00%
per tahun. Obligasi Subordinasi ini ditawarkan dengan of the principal amount of the Subordinated Bonds.
nilai 100,00% dari jumlah pokok Obligasi Subordinasi. Subordinated Bond interest is paid every 3 (three)
Bunga Obligasi Subordinasi dibayarkan setiap 3 (tiga) months starting from the issuance date. The first
bulan sekali terhitung sejak tanggal emisi. Pembayaran Subordinated Bonds interest payment will be made on
bunga Obligasi Subordinasi pertama akan dilakukan pada 28 September 2019, while the final interest payment of
28 September 2019, sedangkan pembayaran bunga Subordinated Bonds will be made on the maturity date of
Obligasi Subordinasi terakhir akan dilakukan pada the Subordinated Bonds, which falls on 28 June 2026.
tanggal jatuh tempo Obligasi Subordinasi yaitu pada
28 Juni 2026.
3. Penawaran Umum Berkelanjutan II Obligasi 3. Public Offering of Continuous Bond II and

Subordinasi Bank Victoria Tahap II tahun 2019. Subordinated Bonds Phase II of Bank Victoria
of 2019.
Pada November 2019, Bank Victoria menerbitkan Obligasi In November 2019, Bank Victoria issued Subordinated Bonds
Subordinasi sebesar Rp150.000.000.000,- ditawarkan pada of Rp150,000,000,000, which were offered at nominal
nilai nominal berjangka waktu 7 (tujuh) tahun terhitung sejak value with 7 (seven) year period from the issuance date.
tanggal emisi. Obligasi Subordinasi diterbitkan dengan Subordinated Bonds were issued at a fixed interest rate for the
tingkat bunga tetap untuk tahun ke-1 sampai dengan tahun first to the seventh year of 11.25% per year. The Subordinated
ke-7 adalah sebesar 11,25% per tahun. Obligasi Subordinasi ini Bonds are offered at 100.00% of the principal amount of the
ditawarkan dengan nilai 100,00% dari jumlah pokok Obligasi Subordinated Bonds. Subordinated Bond interest is paid
Subordinasi. Bunga Obligasi Subordinasi dibayarkan setiap 3 every 3 (three) months starting from the issuance date. The
(tiga) bulan sekali terhitung sejak tanggal emisi. Pembayaran first Subordinated Bonds interest payment will be made
bunga Obligasi Subordinasi pertama akan dilakukan pada on 8 February 2020, while the final interest payment of
8 Februari 2020, sedangkan pembayaran bunga Obligasi Subordinated Bonds will be made on the maturity date of the
Subordinasi terakhir akan dilakukan pada tanggal jatuh Subordinated Bonds, which falls on 8 November 2026.
tempo Obligasi Subordinasi yaitu pada 8 November 2026.
Aktivitas Perdagangan Saham Stock Trading Activities

Pada tahun 2019, Bank Victoria melakukan tindakan partial In 2019, Bank Victoria performed partial delisting on 29 May 2019
delisting pada 29 Mei 2019 dengan jumlah pengurangan sebanyak by reducing 2,808,989 shares. This action was carried out in
2.808.989 saham. Tindakan ini dilakukan sesuai dengan ketentuan accordance with the provisions of Government Regulation No.
Peraturan Pemerintah No. 29 tahun 1999 tentang Pembelian 29 of 1999 on Purchases of Commercial Bank Shares, in which
Saham Bank Umum, dimana terdapat ketentuan bahwa Bank there is a provision that the Bank may only register its shares on
hanya dapat mencatatkan sahamnya di bursa efek sebanyak- the stock exchange as much as 99.00% of the total shares of the
banyaknya 99,00% dari jumlah saham Bank. Bank.

Ikhtisar Obligasi
Bonds Highlights
Tingkat
Jumlah Tanggal
Tenor Suku Tanggal Peringkat Status
(juta Rp) Jatuh
Uraian (Tahun) Bunga Terbit Ratings Pembayaran
Total Tempo
Description Tenor Interest Issuance Payment
(million Maturity
(Year) Rates Dates Status
Rp) Dates 2019 2018
(%)
Obligasi Subordinasi Bank 300,000 7 10.50 27 Juni 27 Juni idBBB+ (Triple idBBB+ (Triple Belum Lunas
Victoria III Tahun 2013 2013 2020 B Plus) dari PT B Plus) dari PT Not Paid
dengan tingkat suku bunga Pemeringkat Pemeringkat
27 June 27 June
tetap Efek Indonesia Efek Indonesia
2013 2020
(PEFINDO) (PEFINDO)
Bank Victoria Subordinated
Bond III of 2013 at fixed IdBBB+ IdBBB+
interest rate (Triple B (Triple B
Plus) from PT Plus) from PT
Pemeringkat Pemeringkat
Efek Indonesia Efek Indonesia
(PEFINDO) (PEFINDO)
Obligasi Berkelanjutan 300,000 5 10.30 11 Juli 11 Juli idA- (Single A idA- (Single A Belum Lunas
I Bank Victoria Tahap I 2017 2022 Minus) dari PT Minus) dari PT Not Paid
Tahun 2017 dengan tingkat Pemeringkat Pemeringkat
11 July 11 July
suku bunga tetap Efek Indonesia Efek Indonesia
2017 2022
(PEFINDO) (PEFINDO)
Bank Victoria Continuous
Bond I Phase I of 2017 at idA- (Single A idA- (Single A
fixed interest rate Minus) from PT Minus) from PT
(PEFINDO) (PEFINDO)
Obligasi Subordinasi 50,000 7 11.00 11 Juli 11 Juli idBBB (Triple idBBB (Triple Belum Lunas
Berkelanjutan I Bank 2017 2024 B) dari PT B) dari PT Not Paid
Victoria Tahap I Tahun 2017 Pemeringkat Pemeringkat
11 July 11 July
dengan tingkat suku bunga Efek Indonesia Efek Indonesia
2017 2024
tetap (PEFINDO) (PEFINDO)
Bank Victoria Continuous IdBBB (Triple IdBBB (Triple
Subordinated Bond I Phase B) from PT B) from PT
I of 2017 at fixed interest Pemeringkat Pemeringkat
rate Efek Indonesia Efek Indonesia
(PEFINDO) (PEFINDO)
Obligasi Berkelanjutan 100,000 3 9.70 5 Juni 5 Juni idA- (Single A idA- (Single A Belum Lunas
I Bank Victoria Tahap II 2018 2021 Minus) dari PT Minus) dari PT Not Paid
5 June 5 June
suku bunga tetap Seri A Efek Indonesia Efek Indonesia
2018 2021
(PEFINDO) (PEFINDO)
Bond I Phase II of 2018 at idA- (Single idA- (Single
fixed interest rate A Series A Minus) A Minus)
from PT from PT
(PEFINDO) (PEFINDO)
Obligasi Berkelanjutan 200,000 5 10.30 5 Juni 5 Juni idA- (Single A idA- (Single A Belum Lunas
I Bank Victoria Tahap II 2018 2023 Minus) dari PT Minus) dari PT Not Paid
5 June 5 June
suku bunga tetap Seri B Efek Indonesia Efek Indonesia
2018 2023
(PEFINDO) (PEFINDO)
Bond I Phase II of 2018 at idA- (Single idA- (Single
fixed interest rate B Series A Minus) A Minus)
from PT from PT
(PEFINDO) (PEFINDO)

Tingkat
Jumlah Tanggal
Tenor Suku Tanggal Peringkat Status
(juta Rp) Jatuh
Uraian (Tahun) Bunga Terbit Ratings Pembayaran
Total Tempo
Description Tenor Interest Issuance Payment
(million Maturity
(Year) Rates Dates Status
Rp) Dates 2019 2018
(%)
Obligasi Subordinasi 350,000 7 11.00 5 Juni 5 Juni idBBB (Triple idBBB (Triple Belum Lunas
Berkelanjutan I Bank 2018 2025 B) dari PT B) dari PT Not Paid
Victoria Tahap II Tahun Pemeringkat Pemeringkat
5 June 2018 5 June 2025
2018 dengan tingkat suku Efek Indonesia Efek Indonesia
bunga tetap (PEFINDO) (PEFINDO)
Bank Victoria Continuous idBBB (Triple IdBBB (Triple
Subordinated Bond I Phase B) from PT B) from PT
II of 2018 at fixed interest Pemeringkat Pemeringkat
rate Efek Indonesia Efek Indonesia
(PEFINDO) (PEFINDO)
Obligasi Berkelanjutan II 100.000 2 9.75 28 Juni 2019 28 Juni 2021 idA- (Single A N/A Belum Lunas
Bank Victoria Tahap I tahun Minus) dari PT Not Paid
28 June 28 Juni 2019
2019 dengan tingkat suku Pemeringkat
bunga tetap 2019 Efek Indonesia
(PEFINDO)
Bond II Phase I of 2019 at idA- (Single
fixed interest rate A Minus)
from PT
Pemeringkat
Efek Indonesia
(PEFINDO)
Obligasi Subordinasi 250,000 7 11.75 28 Juni 2019 28 Juni idBBB (Triple N/A Belum Lunas
Berkelanjutan II Bank 2026 B) dari PT Not Paid
28 June
Victoria Tahap I tahun 2019 Pemeringkat
2019 28 June
dengan tingkat suku bunga Efek Indonesia
2026
tetap (PEFINDO)
Bank Victoria Continuous idBBB (Triple
Subordinated Bond II B) from PT
Phase I of 2019 at fixed Pemeringkat
interest rate Efek Indonesia
(PEFINDO)
Obligasi Subordinasi 150,000 7 11.25 8 November 8 November idBBB (Triple N/A Belum Lunas
Berkelanjutan II Bank 2019 2026 B) dari PT Not Paid
Victoria Tahap II tahun 2019 Pemeringkat
dengan tingkat suku bunga Efek Indonesia
tetap (PEFINDO)
Bank Victoria Continuous idBBB (Triple
Subordinated Bond II B) from PT
Phase II of 2019 at fixed Pemeringkat
interest rate Efek
Indonesia
(PEFINDO)

Peristiwa Penting
// Significant Events
02
Februari February
Rapat Kerja 2019 2019 Work Meeting
Rapat kerja tahunan Bank Victoria Annual work meeting of Bank

dilaksanakan pada tanggal Victoria was held on February
2 Februari 2019 di Grand Ballrom 2, 2019 at the Grand Ballrom
Westin Hotel, Kuningan, Westin Hotel, Kuningan, Jakarta.
Jakarta. Rapat ini membahas The meeting discussed the Bank’s
mengenai strategi Bank untuk strategy to strengthen the capital
memperkuat struktur permodalan, structure, the development of
pengembangan budaya perusahaan corporate culture, the culture
dan budaya pelayanan perbankan of banking services based on
yang berbasis teknologi digital, digital technology, flexibility
fleksibilitas dalam penerapan in implementing strategies,
strategi serta pertumbuhan kredit and healthy and prudent credit
yang sehat dan pruden. growth.
01
Maret March
Rapat Umum Pemegang Saham Bank Victoria’s Extraordinary
Luar Biasa Bank Victoria General Meeting of Shareholders
Bank Victoria menyelenggarakan Bank Victoria held an

RUPS Luar Biasa pada 1 Maret Extraordinary GMS on 1 March
2019 di Gedung Graha BIP, Jakarta 2019 at Graha BIP Building,
yang dihadiri oleh jajaran Dewan Jakarta which was attended by
Komisaris, Direksi, dan Pemegang the Board of Commissioners,
Saham Bank Victoria. Board of Directors, and
Shareholders of Bank Victoria.
25
Maret March
Peresmian Kantor Cabang Baru Inauguration of New Branch
di Solo Office in Solo
Bank Victoria meresmikan kantor Bank Victoria inaugurated new

cabang baru di Jl. Slamet Riyadi, branch office located at Jl. Slamet
Solo, Jawa Tengah yang dihadiri Riyadi, Solo, Central Java, which
oleh Dewan Komisaris, Direksi, was attended by the Board of
perwakilan dari Bank Indonesia Commissioners, Board of Directors,
dan Otoritas Jasa Keuangan, representatives from Bank
serta Pejabat dari Pemerintah Indonesia and Financial Services
Kota Solo. Authority, as well as Officials from
Solo Municipal Government.
13
April April
Taddabur Alam Bank Victoria Taddabur Alam Bank Victoria
Bertempat di Hotel Darmawan Located at Darmawan Park

Park, Sentul, Bank Victoria kembali Hotel, Sentul, Bank Victoria held
mengadakan kegiatan Taddabur another Taddabur Alam’s activity
Alam dalam rangka menyambut to welcome the Ramadan month.
bulan Ramadhan. Acara rutin ini This routine event was prepared
diselenggarakan oleh Tim Rohani by Bank Victoria’s Islamic
Islam (Rohis) Bank Victoria dan Spiritual (Rohani Islam/Rohis)
diikuti oleh 180 orang karyawan Team and was attended by 180
Grup Victoria dengan mengundang employees of Victoria Group and
Ustadz Masyuril Khamis sebagai invited Ustadz Masyuril Khamis as
pemberi dakwah. the preacher.
30
April April
Relokasi Cabang Senayan City Relocation of Senayan City Branch
Bank Victoria melakukan relokasi Bank Victoria relocated its

Kantor Cabang Senayan City, Senayan City, South Jakarta,
Jakarta Selatan. Relokasi ini Branch Office. This relocation
diharapkan dapat meningkatkan was expected to increase the
ekspansi bisnis dan pelayanan business expansion and services
kepada para nasabah Bank to Bank Victoria’s customers.
Victoria.
10
Mei May
Retreat Persekutuan Doa Prayer Community Retreat
Komunitas Persekutuan Doa Bank Victoria Prayer Community

Bank Victoria mengadakan acara held a Retreat in Puncak Bogor,
Retreat di daerah Puncak Bogor, Royal Safari Garden Hotel. The
Royal Safari Garden Hotel. Acara event, which was held for 2 (two)
yang dilangsungkan selama 2 (dua) days, was filled with motivational
hari diisi dengan seminar motivasi seminar of Together We Are
Together We Are Stronger dan Stronger and was accompanied
disertai dengan persekutuan doa by a communal prayer. Also
bersama. Hadir juga dalam acara attending were Mr. Tamunan as a
Bapak Tamunan selaku Direktur. Director.

10
Mei May
Rapat Umum Pemegang Saham Bank Victoria’s Annual General
Tahunan Bank Victoria Meeting of Shareholders
Bank Victoria menyelenggarakan Bank Victoria held Annual GMS on

RUPS Tahunan pada 10 Mei 2019 10 May 2019 at Graha BIP Building,
di Gedung Graha BIP, Jakarta Jakarta which was attended by
yang dihadiri oleh jajaran Dewan the Board of Commissioners,
Komisaris, Direksi dan Pemegang Board of Directors, and
Saham Bank Victoria. Shareholders of Bank Victoria.
23
Mei May
Pemberian Bantuan kepada Providing Aid to the Al Muhajirin Ar
Panti Asuhan Al Muhajirin Ar Rohmaniyah Orphanage
Rohmaniyah
Bank Victoria kembali berbagi Bank Victoria shares another

kebahagiaan dengan memberikan happiness by providing aids to
bantuan kepada saudara-saudara our brothers and sisters at the
kita yang berada di Panti Asuhan Al Al Muhajirin Ar Rohmaniyah
Muhajirin Ar Rohmaniyah kawasan Orphanage in Lereng Indah area,
Lereng Indah Tangerang pada Tangerang, in Ramadan month.
bulan Ramadan.
27
Mei May
Acara Buka Puasa Bank Victoria Bank Victoria’s Break Fasting
Event
Bank Victoria menyelenggarakan Bank Victoria held a break

acara buka puasa bersama dengan fasting event together with
seluruh manajemen dan karyawan di all management officers and
Gedung Patra Jasa, Jakarta Selatan. employees at Patra Jasa Building,
Acara buka puasa diawali dengan South Jakarta. The break fasting
pembacaan doa dan sambutan dari event started with reciting
Bapak Ahmad Fajar selaku Direktur prayers and opening remark from
Utama Bank Victoria, dilanjutkan Mr. Ahmad Fajar as Bank Victoria’s
dengan tausiah, buka puasa, President Director, followed by
dan ditutup dengan pembagian tausiah, break fasting, and closed
doorprize. with a doorprize.

10
Juni June
Halal Bihalal Bank Victoria Bank Victoria’s Halal Bihalal
Gathering Event
Bank Victoria menyelenggarakan Bank Victoria held a Halal Bihalal

halal bihalal di Gedung Graha gathering event at Graha BIP
BIP Lt. 10, Jakarta. Acara ini Building, 10th floor, Jakarta. This
dilaksanakan dalam rangka event was held in order to build
menjalin tali silaturahim dan good relationship and strengthen
mempererat tali persaudaraan di a sense of togetherness within
lingkungan kerja Bank Victoria. Bank Victoria’s work environment.
03
Juli July
Pelaksanaan Frontliner Executing the Frontliner
Development Program (FLDP) Development Program (FLDP)
2019 2019
FLDP 2019 diadakan guna FLDP 2019 is held to open career

membuka kesempatan karir opportunities for young front-
bagi calon frontliner muda line candidates to be trained
untuk dilatih menjadi petugas to become reliable officers. As
yang handal. Sebagai garda the vanguard that displays Bank
terdepan yang menampilkan citra Victoria image, the front liner
Bank Victoria, frontliner harus shall be supported by the best
ditunjang dengan pengetahuan, knowledge, attitude, skills, and
sikap, keterampilan serta appearance.
penampilan yang terbaik.
12
Juli July
Bank Victoria Memberi Dukungan Bank Victoria Gives Full Support
Penuh kepada PS Tira Persikabo to PS Tira Persikabo
Bank Victoria memberikan Bank Victoria gave full support

dukungan penuh kepada PS Tira to PS Tira Persikabo in League
Persikabo di Liga 1 (satu) 2019. 1 (one) 2019. Bank Victoria’s
Keikutsertaan Bank Victoria involvement as one of the
sebagai salah satu sponsor sponsors is a manifestation of the
merupakan wujud kepedulian Bank’s concern to the progress of
Bank terhadap kemajuan sepak Indonesia’s soccer industry.
bola Indonesia.

16
Juli July
Performance Review Bank Victoria Performance Review of Bank
Victoria
Bertempat di Gedung Graha BIP, Located in Graha BIP Building,

Jakarta seluruh Kepala Divisi dan Jakarta, all Division Heads and
Kepala Cabang berkumpul bersama Branch Heads gathered together
untuk membahas kinerja masing- to discuss the performance of
masing divisi/cabang di semester each division/branch in the 1st
1 (satu) yang telah berakhir. Dengan (first) semester that had ended.
adanya performance review dapat By having this performance
menambah motivasi kerja serta review, work motivation was
memberikan apresiasi bagi divisi/ increased and appreciation was
cabang terhadap hasil kinerjanya. given to the division/branch
Dalam acara ini hadir Direksi dan based on the performance
Dewan Komisaris untuk menilai results. In this gathering event,
serta memberikan masukan the Board of Directors and Board
terhadap hasil yang sudah diperoleh of Commissioners were present
selama 6 (enam) bulan terakhir. to assess and provide input on the
results achieved during the past
6 (six) months.
01
Agustus August
Ketoprak Financial ‘Laksamana Financial Ketoprak ‘Admiral
Cheng Ho’ Cheng Ho’
Dalam mendukung pelestarian In supporting the preservation

kesenian budaya Indonesia, of Indonesian cultural arts, a
sejumlah Direksi perbankan dari number of banking of the Board
berbagai bank berkumpul bersama of Directors from various banks
dengan petinggi Lembaga Jasa gathered together with senior
Keuangan, Senior Editor dan executive of Financial Services
para pemimpin Redaksi Media Institutions, Senior Editors
untuk beradu akting di panggung and Media Editorial leaders to
ketoprak financial. compete in acting on the financial
ketoprak stage.
Bapak Ahmad Fajar selaku Direktur Mr. Ahmad Fajar as the President
Utama Bank Victoria juga ikut Director of Bank Victoria also
beradu akting dalam acara yang competed in acting in an event
bertemakan ‘Laksamana Cheng with the theme ‘Admiral Cheng
Ho’, yang berkolaborasi dengan Ho’, collaborated with Ketoprak
ketoprak Adhi Budaya. Acara Adhi Budaya. The event was held
diadakan di Gedung Kesenian at the Jakarta Arts Building.
Jakarta.

03
Agustus August
Bank Victoria Meraih Bank Victoria Achieved the 1st
Penghargaan 1st The Best Risk The Best Risk Management 2019
Management 2019 Award
Bank Victoria berhasil meraih Bank Victoria successfully

penghargaan 1st The Best Risk achieved the 1st The Best Risk
Management 2019 kategori Bank Management 2019 Award for BUKU
BUKU II yang diselenggarakan II Bank category, which was held
oleh Majalah Economic Review. by Economic Review Magazine.
Penghargaan diterima langsung The Award was directly accepted
oleh Bapak Tamunan selaku by Mr. Tamunan as Bank Victoria’s
Direktur Kepatuhan dan Compliance and Risk Management
Manajemen Risiko Bank Victoria di Director in Nusa Dua, Bali.
Nusa Dua Bali.
14
Agustus August
Cabang Surabaya Mengadakan Surabaya Branch Holds
Lomba dan Bakti Sosial untuk Competition and Social
Merayakan Kemerdekaan Service to Celebrate the 74th
Republik Indonesia Ke-74 Independence of the Republic of
Indonesia
Perayaan dilakukan dengan The celebration was held by

mengadakan berbagai perlombaan holding various competitions and
dan kunjungan Bakti Sosial ke Social Service visit to Khadijah
Panti Asuhan Khadijah Surabaya. Orphanage in Surabaya. This
Kegiatan ini merupakan salah activity is a form of Bank Victoria’s
satu bentuk wujud kepedulian care for sharing happiness with
Bank Victoria dalam berbagi our brothers and sisters who are
kebahagiaan dengan saudara- less fortunate.
saudara kita yang berkekurangan.

14
Agustus August
Acara Donor Darah dengan Blood Donor Event with
Ikatan Bankir Indonesia Indonesia Banker Association
Bank Victoria mendukung kegiatan Bank Victoria supported the

donor darah yang diselenggarakan blood donor event held by
Ikatan Bankir Indonesia (IBI) Indonesia Banker Association
bertempat di Menara Mandiri I Lt. 8, (IBI) at Mandiri Tower I, 8th floor,
Jakarta. Kegiatan #yukdonordarah Jakarta. This #yukdonordarah
ini mengajak industri perbankan (let’s donor our blood) activity
dalam meningkatkan kepedulian invited the banking industry to
dan awareness terhadap sesama increase care and awareness
yang membutuhkan, serta of others in need, and to build a
membangun rasa kebersamaan sense of togetherness between
antar bankir di Indonesia. bankers in Indonesia.
23
Agustus August
Bank Victoria Meraih Penghargaan Bank Victoria Achieved the 1st
1st The Best Indonesia GCG The Best GCG Implementation
Implementation 2019 Indonesia 2019 Award

penghargaan 1st The Best achieved the 1st The Best GCG
Indonesia GCG Implementation Implementation Indonesia 2019
2019 yang diselenggarakan Award held by Economic Review
oleh Majalah Economic Review, Magazine, in cooperation with
bekerja sama dengan Indonesia Indonesia - Asia Institute. The
– Asia Institute. Penghargaan Award was directly accepted by
diterima langsung oleh Bapak Mr. Lembing as Bank Victoria’s
Lembing selaku Direktur Bank Director in Balai Kartini, Jakarta.
Victoria di Balai Kartini, Jakarta.
11
September September
Bank Victoria Meraih Penghargaan Bank Victoria Achieved
Marketing Award 2019 Marketing Award 2019

penghargaan Marketing Award 2019 achieved Marketing Award 2019,
yang diselenggarakan oleh Majalah held by Marketing Magazine. The
Marketing. Penghargaan diterima award was directly accepted
langsung oleh Bapak Ahmad Fajar by Mr. Ahmad Fajar as Bank
selaku Direktur Utama Bank Victoria Victoria’s President Director in
di Hotel Mulia Senayan, Jakarta. Mulia Hotel, Senayan, Jakarta.

23
September September
Peresmian Kantor Cabang Baru Inauguration of New Branch
di Medan Office in Medan
Bank Victoria meresmikan kantor Bank Victoria inaugurated new

cabang baru di Jl. Zainul Arifin No. branch office located at Jl. Zainul
53C, Medan dan mulai beroperasi Arifin No. 53C, Medan, and began
sejak 1 Agustus 2019. Pembukaan operating on 1 August 2019.
Kantor Cabang Medan ini menjadi The opening of Medan Branch
cabang ke-85 yang merupakan Office became the 85th branch,
ekspansi pertama di Pulau which was the first expansion
Sumatera. in Sumatera Island.
26
September September
Bank Victoria Meraih Bank Victoria Achieved
Penghargaan Indonesian Property Indonesian Property and Bank
and Bank Award (IPBA) XIV 2019 Award (IPBA) XIV 2019

penghargaan Kategori Bank Buku achieved the Most Efficient Buku
II Paling Efisien dengan Strategi II Bank Category with Strategy in
Mengembangkan Digitalisasi Developing Banking Digitalization
Perbankan dalam Indonesian in Indonesia Property and
Property and Bank Award (IPBA) Bank Award (IPBA) XIV 2019 at
XIV 2019 di Hotel Intercontinental, Intercontinental Hotel, Pondok
Pondok Indah, Jakarta Selatan. Indah, South Jakarta.
06
Oktober October
Celebrating 25th Anniversary Celebrating 25th Anniversary
Dalam rangka merayakan hari ulang In the context of celebrating its

tahun yang ke-25, Bank Victoria 25th anniversary, Bank Victoria
menyelenggarakan Victoria Run held Victoria Run 2019 in Car
2019 di kawasan Car Free Day Free Day Sudirman, Jakarta. In
Sudirman, Jakarta. Pada acara this event, Bank Victoria invited
ini, Bank Victoria mengajak employees and their families to
karyawan dan keluarganya untuk do sports together, while also give
berolah raga bersama, sekaligus donation to several orphanage
memberikan donasi ke beberapa foundations, nursing homes,
yayasan panti asuhan, panti and Special Education Schools
werdha, dan Sekolah Luar Biasa (SLB). Victoria Group’s employees
(SLB). Karyawan Grup Victoria juga were also invited to enliven Bank
diundang untuk meramaikan ulang Victoria’s anniversary.
tahun Bank Victoria.

18
Oktober October
Victoria Blood Donor Day 2019 Victoria Blood Donor Day 2019
Bank Victoria bekerja sama dengan Bank Victoria cooperated with

Palang Merah Indonesia (PMI) Indonesia Red Cross (PMI) in
menyelenggarakan kegiatan CSR holding CSR program, Blood
Donor Darah di Gedung Graha BIP Donor, at Graha BIP Building 11th
Lt. 11, Jakarta Selatan. floor, South Jakarta.
15
November November
Paparan Publik Bank Victoria Bank Victoria Public Expose
Bank Victoria mengadakan Bank Victoria held a public

paparan publik pada hari Jumat, exposure on Friday, 15 November
15 November 2019 di Graha BIP, 2019 at Graha BIP, Jakarta. The
Jakarta. Acara ini membahas event discussed the performance
kinerja Bank Victoria, strategi ke of Bank Victoria, future strategies,
depan, dan press conference yang and press conference, which was
dihadiri oleh media, investor, dan attended by the media, investors,
undangan. and invitees.
03
Desember December
Perjanjian Kerja Sama Bank Bank Guarantee Cooperation
Garansi antara Bank Victoria Agreement between Bank
dengan PT Asuransi Jasa Victoria and PT Asuransi Jasa
Indonesia (Persero) Indonesia (Persero)
Bank Victoria bersama dengan PT Bank Victoria cooperated with PT

Asuransi Jasa Indonesia (Persero) Asuransi Jasa Indonesia (Persero)
melakukan penandatanganan and signed a cooperation
perjanjian kerja sama Bank Garansi agreement of Bank Guarantee
di Kantor Pusat Bank Victoria, at Bank Victoria’s Head Office,
Gedung Graha BIP, Jakarta. Graha BIP Building, Jakarta. This
Perjanjian ini ditandatangani oleh agreement was signed by Mr.
Bapak Ahmad Fajar selaku Direktur Ahmad Fajar, as Bank Victoria’s
Utama Bank Victoria dan Bapak President Director, and Mr. Edie
Edie Rizliyanto selaku Direktur Rizliyanto, as the President
Utama PT Asuransi Jasa Indonesia Director of PT Asuransi Jasa
(Persero). Indonesia (Persero).

05
Desember December
Perjanjian Kerja Sama VIP Investa Cooperation Agreement of VIP
Link Assurance (VILA) antara Investa Link Assurance (VILA)
Bank Victoria dengan Victoria between Bank Victoria and
Alife Indonesia Victoria Alife Indonesia
Bank Victoria dengan Victoria Bank Victoria and Victoria

Alife Indonesia melakukan Alife Indonesia signed the
penandatanganan kerja sama VILA cooperation agreement.
VILA. Perjanjian ini ditandatangani This agreement was signed by
oleh Bapak Ahmad Fajar selaku Mr. Ahmad Fajar, as Bank
Direktur Utama Bank Victoria dan Victoria’s President Director, and
Bapak Dedi Kusdadi selaku Direktur Mr. Dedi Kusdadi, as Victoria Alife
Utama Victoria Alife Indonesia. Indonesia’s President Director.
Dengan adanya kerja sama ini, By having such cooperation,

Bank Victoria dan Victoria Alife Bank Victoria and Victoria Alife
Indonesia diharapkan dapat Indonesia were expected to be
melindungi masyarakat secara able to protect the community
berkesinambungan, dan melalui sustainably, and through making
inovasi-inovasi lainnya terus other innovations in order to
meningkatkan kesejahteraan keep improving the welfare
dan perlindungan keuangan bagi and financial protection of the
masyarakat di Indonesia. community in Indonesia.
06
Desember December
Perayaan Natal dan Tahun Baru Christmas and New Year
Celebration
Bank Victoria mengadakan Bank Victoria held a Christmas

perayaan Natal dengan tema celebration with the theme of
“Special Gift” yang dihadiri oleh “Special Gift”, which was attended
Ibu Suzanna Tanojo sebagai by Mrs. Suzanna Tanojo as the
Pemegang Saham Pengendali, Controlling Shareholder, the
jajaran Dewan Komisaris dan Board of Commissioners, Board
Direksi, karyawan Bank Victoria, of Directors, Bank Victoria’s
serta Victoria Group. employees, and Victoria Group.

Penghargaan dan Sertifikasi

// Awards and Certifications
3 Agustus 2019 3 August 2019

1st The Best Risk Management 2019 1st The Best Risk Management 2019
Kategori : Category :
Kategori Bank BUKU II BUKU II Bank Category
Penyelenggara : Organizer :
Majalah Economic Review Economic Review Magazine
23 Agustus 2019 23 August 2019

1st The Best Indonesia GCG 1st The Best Indonesia GCG
Implementation 2019 Implementation 2019
Kategori Bank Umum BUKU II dengan Aset BUKU II Commercial Bank Category with
diatas Rp10 triliun – Rp25 triliun Assets above Rp10 trillion – Rp25 trillion
Majalah Economic Review Economic Review Magazine
11 September 2019 11 September 2019

Marketing Award 2019 Marketing Award 2019
Kategori The Best in Marketing Campaign The Best in Marketing Campaign Category
Majalah Marketing Marketing Magazine

26 September 2019 26 September 2019

Indonesian Property and Bank Award Indonesian Property and Bank Award
(IPBA) XIV 2019 (IPBA) XIV 2019
Kategori Bank Buku II Paling Efisien Category of the Most Efficient BUKU II
dengan Strategi Mengembangkan Bank with Strategy in Developing Banking
Digitalisasi Perbankan Digitalization
Penyelenggara : Organizer:
Majalah Property dan Bank Property and Bank Magazine
4 Desember 2019 4 December 2019

Best Business Financial Partner Best Business Financial Partner
Penyelenggara : Penyelenggara :
PT MNC Guna Usaha Indonesia (MNC PT MNC Guna Usaha Indonesia (MNC
Leasing) Leasing)

Daftar Isi
// Table of Contents
2
1 Tema dan Arti Tema Produk dan Jasa
Theme and Meaning of Theme
76 Products and Services
Sanggahan dan Batasan Produk Simpanan

Tanggung Jawab
76 Savings Products
2
Disclaimer and Scope of Laporan Manajemen Produk Pinjaman
Responsibilities Management Report 78 Loan Products
Kesinambungan Tema
2 Theme Sustainability Laporan Dewan Komisaris 81
Layanan Bank Devisa
44 Report of the Board of Commissioners
Foreign Exchange Bank Services
Pencapaian Penting 2019
4 Significant Achievement in 2019 Laporan Direksi 82
Jasa Layanan
50 Report of the Board of Directors
Services
Keunggulan Kompetitif Bank Victoria
Wilayah Operasional
6 Competitive Advantages Of Bank 84 Operational Areas
Victoria Tanggung Jawab Laporan Tahunan
Struktur Organisasi
56 Statement of Accountability of Annual 86 Organization Structure
Report
1
Profil Dewan Komisaris
88 Profile of the Board of Commissioners
Kilas Kinerja
Performance Highlight
3 92
98
Profil Direksi
Profile of the Board of Directors
Profil Komite Pemantau Risiko

Profil Perusahaan Risk Monitoring Committee Profile
Company Profile Profil Komite Nominasi dan Remunerasi

Kilas Kinerja
10 Performance Highlights
100 Nomination and Remuneration
Committee Profile
Ikhtisar Keuangan 60 Identitas Perusahaan
10 Financial Highlights Corporate Identity Profil Komite Audit
101 Audit Committee Profile
Ikhtisar Operasional Riwayat Singkat
16 62 Brief History Profil Komite Tata Kelola Terintegrasi
Operational Highlights
101 Integrated Governance Committee’s
Ikhtisar Saham Jejak Langkah Profile
17 64 Milestones
Share Highlights
Profil Pejabat Eksekutif
Aksi Korporasi Filosofi Logo 107 Executive Officers Profile
18 66 Logo Philosophy
Corporate Actions
Komposisi Kepemilikan Saham
Ikhtisar Obligasi Visi dan Misi Perusahaan 117 Shareholders Composition
20 Bonds Highlights 67 Company’s Vision and Mission
Struktur Kepemilikan Saham
Peristiwa Penting Visi 117 Shareholders Structure
22 Significant Events 68 Vision
Pemegang Saham Utama dan
Penghargaan dan Sertifikasi Misi Pengendali
32 Awards and Certifications 69 118
Mission Information on Major and Controlling
Daftar Isi Shareholders
34 Review Visi dan Misi oleh Dewan
Table Of Contents Komisaris dan Direksi Komposisi Pemegang Saham
69 Review of Vision and Mission by the
119 Shareholders Composition
Board of Commissioners and the
Board of Directors Komposisi Pemegang Saham
Berdasarkan Status Kepemilikan
Nilai Budaya Perusahaan 120
70 Stockholders Composition Based on
Corporate Values Ownership Status
Bidang Usaha Komposisi 20 Pemegang Saham
73 Line of Business 120 Terbesar
Composition of Top 20 Shareholders

4
Komposisi Pemegang Saham yang Laporan Laba Rugi dan Penghasilan
Memiliki 5% atau Lebih Komprehensif Lain Konsolidasian
121
Composition of Shareholders with 205 Consolidated Statementsof Profit
5% or More Shares or Loss and Other Comprehensive
Komposisi Pemegang Saham Analisis dan Income
Masyarakat dengan Kepemilikan Pembahasan 213

Laporan Arus Kas Konsolidasian
121
Saham Masing-Masing Kurang dari 5%
Manajemen Consolidated Statements of Cash Flows
Composition of Public Shareholders Management Discourse Tingkat Kesehatan Bank
with Share Ownership of Less than
and Analysis 214 Bank Soundness Level
5% Each
Kepemilikan Saham Dewan Komisaris Rasio Keuangan Penting

215 Significant Financial Ratios
dan Direksi di Bank Victoria Tinjauan Ekonomi
122 172 Economic Overview
Share Ownership of Board of Kemampuan Membayar Utang dan
Commissioners and Board of Kolektibilitas Piutang
Directors at Bank Victoria Perekonomian Global 216
172 Global Economy Solvency and Receivables
Kronologi Pencatatan Saham Collectability
123 Chronology of Share Listing Perekonomian Nasional
173 National Economy Kontribusi kepada Negara
219 Contribution to the State
Kronologi Pencatatan Obligasi
124 Chronology of Bond Listing Tinjauan Industri Perbankan
174 Overview of Banking Industry Struktur Modal
219 Capital Structure
Struktur Grup
128 Group Structure Tinjauan Operasional
178 Operational Overview Ikatan Material atas Investasi
Entitas Anak Barang Modal
128 Subsidiaries Strategi Pengembangan Bisnis 220
178 Material Commitments on Capital
Business Development Strategy Goods Investment
Lembaga Penunjang Pasar Modal
132 Capital Market Supporting Institutions Strategi Pemasaran
181 Realisasi Investasi Barang Modal
Marketing Strategy
Alamat Perusahaan Bank Victoria, 221 Realization of Capital Goods
Entitas Induk, dan Entitas Anak Pangsa Pasar Investment
132 182 Market Share
Address of Bank Victoria, Parent Derivatif dan Fasilitas Lindung Nilai
Company, and Subsidiary 221 Derivative and Hedging Facilities
Tinjauan Segmen Usaha
184 Business Segment Overview
Akses Infromasi Dampak Perubahan Tingkat Suku
143 Information Access
Kinerja Jaringan Kantor dan Bunga terhadap Kinerja Bank Victoria
Karyawan Tahun 2019
144
Informasi pada Situs Laman Perusahaan
193 221
Information on Company Website Performance of Office Network and Impact of Changes of Bank’s Interest
Employee Rates to Bank Victoria’s Performance
Pendidikan dan/atau Pelatihan Dewan in 2019
Komisaris, Direksi, Komite-Komite, Pendapatan dan Profitabilitas
Sekretaris Perusahaan, Audit Internal, 194 Revenue and Profitability Perbandingan Target dan Realisasi
dan Unit Lainnya Tahun 2019
148 222
Education and/or Training of Board of Prospek Usaha 2020 Comparison of Target and
197 Business Prospect in 2020
Commissioners, Board of Directors, Realization in 2019
Committees, Corporate Secretary, and
Strategi dan Rencana Kerja 2020 Realisasi 2019 dan Proyeksi Tahun
Internal Audit Unit 198 Strategy and Work Plan 2020 2020
223
2019 Realization and 2020
Tinjauan Keuangan
202 Financial Overview
Projections
Asumsi dalam Menyusun Proyeksi

Laporan Posisi Keuangan
Konsolidasian 224 Assumptions in Preparing
202 Projections
Consolidated Statements of
Financial Position Informasi Material Setelah Tanggal
Laporan Akuntan
226
Material Information Subsequent to
the Accountant’s Reporting Date

5
Kebijakan Dividen Dasar Penerapan Teknologi Informasi
227 Dividend Policy 279 Fundamental Implementation of
Information Technology
Program Kepemilikan Saham oleh
Manajemen dan Karyawan Roadmap Teknologi Informasi
228 280
Employee and Management Stock Aspek Information Technology Roadmap
Ownership Plan
Pendukung Bisnis Struktur Pengelola Teknologi
Realisasi Penggunaan Dana Hasil Aspect of Business Support Informasi
Penawaran Umum 282
228 Structure of Information Technology
Actual Use of Proceeds from Public Management
Offering
248 Human Capital Tata Kelola Teknologi Informasi
Informasi Material mengenai Human Capital 285 Information Technology Governance
Investasi, Ekspansi, Divestasi,
Kebijakan Pengelolaan Human Capital Penerapan Manajemen Risiko dalam
Akuisisi, atau Restrukturisasi Utang 248 Human Capital Management Policy
dan Modal Penggunaan Teknologi Informasi
228 287
Material Information on Investment, Roadmap Pengelolaan Human Capital Implementation of Risk Management
Expansion, Divestment, Acquisition, 249 in the Use of Information Technology
Human Capital Management
or Debt and Capital Restructuring Roadmap Pengembangan Teknologi
Informasi Transaksi Material yang Informasi Tahun 2019
Struktur Pengelola Human Capital 290
Mengandung Benturan Kepentingan Information Technology
230 250 Human Capital Management
Information on Material Transaction Development in 2019
Structure
with Conflict of Interest
Rencana Pengembangan Sistem
Perencanaan Kebutuhan
Informasi Transaksi dengan Pihak Informasi Manajemen
250 Human Capital 291
Afiliasi Management Information System
230 Planning for Human Capital Needs
Information of Transaction with Development Plan
Affiliated Parties Rekrutmen Human Capital
252 Human Capital Recruitment
Strategi Pengembangan Teknologi
Informasi Transaksi Material dengan Informasi Tahun 2020
294
Pihak Berelasi Pengembangan Kompetensi Information Technology Development
235 Human Capital Strategy in 2020
Information of Transactions with 254
Related Parties Human Capital Competence
Development
Komitmen dan Kontijensi
238
6
Commitments and Contingencies Penilaian Kinerja Human Capital
270 Human Capital Performance
Larangan, Batasan, dan/atau
Assessment
Hambatan Signifikan untuk
Melakukan Transfer Dana antara Pengembangan Karier
Bank dan Entitas Lain dalam Satu 272 Career Development
238 Kelompok Usaha Tata Kelola
Prohibitions, Limitations, and/ or 273
Human Capital Engagement
Human Capital Engagement
Perusahaan
Significant Hindrances to Perform Good Corporate Governance
Fund Transfer Between the Bank and
Industrial Relation
Other Entities in One Business Group 274 Industrial Relations
Dasar Implementasi GCG
Perubahan Peraturan Perundang- 298 Basis of GCG Implementation
Internalisasi Budaya Perusahaan
undangan yang Berpengaruh 274 Internalization of Corporate Culture
Signifikan terhadap Kinerja Bank Komitmen Implementasi GCG
238 300
Amendment to Laws and Regulations Tingkat Turnover Human Capital Commitment to GCG Implementation
with Significant Impacts on the 275 Human Capital Turnover Rate
Bank’s Performance Struktur dan Pedoman GCG
Profil Human Capital
301 GCG Structure and Guidelines
Perubahan Kebijakan Akuntansi dan 275 Human Capital Profile
Pengaruhnya terhadap Kinerja Bank Corporate Governance Framework
Strategi Pengelolaan Human Capital 303 Corporate Governance Framework
243 Amendments to Accounting
Tahun 2020
Principles and Their Impact on the 277 Mekanisme Implementasi GCG
Bank’s Performance Human Capital Management Strategy 303 Mechanism of GCG Implementation
in 2020
Informasi Kelangsungan Usaha
244 Information on Business Continuity Teknologi Informasi Penetapan Standar Kualitas
279 Information Technology Implementasi GCG
304
Kinerja Entitas Anak Determining Quality Standard of GCG
244 Subsidiary Performance Implementation

Pelaksanaan dan Pemantauan Program Orientasi bagi Anggota Hak dan Wewenang Direksi
Implementasi GCG Dewan Komisaris Baru 386 Rights and Authority of Board of
305
Implementation and Monitoring of 361 Orientation Program for Directors
GCG Implementation New Member of the Board of
Commissioners Direksi
Asesmen GCG
388 Board of Directors
305 GCG Assessment Komisaris Independen
362 Independent Commissioner Program Orientasi bagi Direksi Baru
Rekomendasi dan Tindak Lanjut 391 Orientation Program for New Board
316 Recommendations and Follow-Up Independensi dan Pengelolaan of Directors
on GCG Benturan Kepentingan Dewan
Komisaris Kebijakan Keberagaman
Peningkatan Kualitas Implementasi 365 Komposisi Direksi
Independence and Management 391
GCG dan Benchmarking of Conflict of Interest of Board of Diversity Policy of the Composition
317 of Board of Directors
Improving Quality of GCG Commissioners
Implementation and Benchmarking
Hubungan Afiliasi Dewan Komisaris Independensi dan Pengelolaan
Benturan Kepentingan
317
Manfaat Implementasi GCG 365 Affiliation Relationship of Board of 392
Benefit of GCG Implementation Commissioners Independence and Management of
Conflict of Interest
Implementasi Tata Kelola Perusahaan Rangkap Jabatan Dewan Komisaris
Terbuka Hubungan Afiliasi Direksi
318 366 Concurrent Position Board of
Implementation of Corporate Commissioners 392 Affiliation Relationship of Board of
Governance of Public Company Directors
Kepemilikan Saham Dewan Komisaris
Rapat Umum Pemegang Saham Rangkap Jabatan Direksi
332 367 Share Ownership of Board of
General Meeting of Shareholders 394 Concurrent Positions of Board of
Commissioners
Directors
Hak dan Wewenang Pemegang Saham
332 Rapat Dewan Komisaris
Rights and Authority of Shareholders 368 Meetings of Board of Commissioners; Kepemilikan Saham Direksi
394 Share Ownership of Board of Directors
Mekanisme Pelaksanaan RUPS
332 GMS Mechanism
Sertifikasi Manajemen Risiko
Dewan Komisaris Rapat Direksi
376 395 Meeting of Board of Directors
Pemegang Saham Utama dan Risk Management Certification of
334 Pengendali Board of Commissioners Sertifikasi Manajemen Risiko Direksi
Main and Controlling Shareholders 411 Risk Management Certification of
Penilaian Kinerja Dewan Komisaris
Board of Directors
Pelaksanaan RUPS Tahun 2019 377 Performance Assessment of Board
334 GMS Implementation In 2019 of Commissioners Penilaian Kinerja Direksi
Pelaksanaan RUPS Tahun 2018 Penilaian Kinerja Komite Pendukung 412 Board of Directors’ Performance
342 GMS Implementation In 2018 Assessment
Dewan Komisaris
Dewan Komisaris
379 Performance Assessment of Penilaian Kinerja Komite
352 Board of Commissioners Committees Supporting Board of Pendukung Direksi
Commissioners
413 Performance Assessment of
Pedoman Dewan Komisaris
Pengunduran Diri dan Pemberhentian Committees Supporting Board of
352 Guidelines of Board of Dewan Komisaris Directors
Commissioners 382
Resignation and Discharge of Pengunduran Diri dan
Tugas dan Tanggung Jawab Board of Commissioners Pemberhentian Direksi
Dewan Komisaris 416
352 Direksi Resignation and Discharge of
Duties and Responsibilities of Board 383 Board of Directors Board of Directors
of Commissioners
Pedoman Direksi Kebijakan Remunerasi Dewan
Hak dan Wewenang Dewan Komisaris 383 Guidelines of Board of Directors Komisaris dan Direksi
357 417
Rights and Authorities of Board of Remuneration Policy of Board of
Commissioners Tugas dan Tanggung Jawab Direksi Commissioners and Board of Directors
383 Duties and Responsibilities of Board
Komposisi Dewan Komisaris of Directors Dasar dan Kebijakan Remunerasi
359 Composition of Board of Dewan Komisaris dan Direksi
Commissioners Ruang Lingkup Pekerjaan dan 417 Basis and Policy of Remuneration of
Tanggung Jawab Masing-Masing Board of Commissioners and Board
Kebijakan Keberagaman Komposisi Anggota Direksi of Directors
Dewan Komisaris 385
361 Scope of Work and Responsibilities
Diversity Policy of The Composition of Each Member of Board of
of Board of Commissioners Directors

Prosedur Penetapan Remunerasi Komite Manajemen Risiko Kesesuaian Pengendalian Internal
Dewan Komisaris dan Direksi
463 Risk Management Committee dengan Kerangka COSO
509
417 Procedure to Determine Conformity of Internal Control with
Komite Manajemen Risiko
Remuneration of Board of COSO Framework
Terintegrasi
Commissioners and Board of 465 Integrated Risk Management
Directors Komponen Pengendalian Internal
Committee 510 Component of Internal Control
Jenis dan Indikator Penetapan
Assets Liability Committee Evaluasi Efektivitas Sistem
Remunerasi Dewan Komisaris 467 Assets Liability Committee
dan Direksi Pengendalian Internal 2019
418 514
Types and Indicator to Determine Evaluation on Effectiveness of
Komite Kredit
Remuneration of Board of 469 Credit Committee Internal Control System 2019
Commissioners and Board of Directors
Komite Kebijakan Perkreditan Fungsi Kepatuhan
Penetapan Material Risk Takers 470 514 Compliance Function
418 Establishing Material Risk Takers
Credit Policy Committee
Komite Teknologi Informasi Penanggung Jawab Fungsi Kepatuhan

Penangguhan atau Penarikan 472 Information Technology Committee 515 Person in Charge of Compliance
Kembali Remunerasi
419 Suspension or Withdrawal of
Function
Komite Pemantauan dan
Remuneration Pelaksanaan GCG Struktur Organisasi Fungsi Kepatuhan
474
Kaitan Remunerasi dengan GCG Monitoring and 516 Organization Structure of
Risiko dan Kinerja Implementation Committee Compliance Function
419
Remuneration In Connection with Komite Personalia Tugas dan Tanggung Jawab
Risk and Performance 484 HR Committee Fungsi Kepatuhan
517
Struktur dan Besaran Remunerasi Duties and Responsibilities of
Komite Pengadaan
Dewan Komisaris dan Direksi 486 Procurement Committee
Compliance Function
420 Remuneration Structure and Amount Program Kerja Fungsi Kepatuhan
of Board of Commissioners and 488
Komite Produk 521 Compliance Function Work Program
Board of Directors Product Committee
Pengadaan Barang dan Jasa
Remunerasi yang Ditangguhkan atau 490
Komite Investasi 522 Procurement of Goods and Services
Ditarik Kembali Investment Committee
421 Prinsip Dasar Pengadaan Barang
Suspended or Withdrawn Corporate Secretary
Remuneration 491 Corporate Secretary
dan Jasa
522
Basic Principles of Procurement of
Pengungkapan Bonus Kinerja, Bonus Audit Internal/Integrated and Goods and Services
Nonkinerja dan Opsi Saham Anti Fraud
421 492 Etika Pengadaan Barang dan Jasa
Disclosure of Performance Bonus, Audit Internal/Integrated and
NonPerformance Bonus, and Stock Anti Fraud 522 Ethics of Procurement of Goods and
Option Services
Akuntan Publik
Rasio Gaji Tertinggi dan Terendah 506 Public Accountant Prosedur Pengadaan Barang dan Jasa
421 Ratio of Highest and Lowest Salary 523 Procedures of Procurement of Goods
Mekanisme dan Dasar Pertimbangan
Informasi Lain terkait Tata Kelola and Services
Penunjukan Akuntan Publik
Remunerasi 506 Proses, Wewenang, dan Tanggung
421 Mechanism and Basis of
Other Information Related to Consideration to Appoint Public Jawab Pengadaan Barang dan Jasa
Remuneration Governance Accounting Firm 524 Process, Authority, and
Organ Pendukung Dewan Komisaris Responsibility of Procurement of
Penunjukan Akuntan Publik
507 Goods and Services
422 Board of Commissioners Supporting Appointment of Public Accountant
Organs Pengadaan Barang dan
Jasa Lain yang Diberikan
Jasa Tahun 2019
Sekretaris Dewan Komisaris Akuntan Publik 525
422 507 Procurement of Goods and
Secretary of Board of Commissioners Other Services Provided by
Services in 2019
Public Accountant
Komite Pemantau Risiko
423 Risk Monitoring Committee Permasalahan Hukum
Koordinasi Akuntan Publik dengan 526 Legal Cases
Auditor Internal dan Komite Audit
Komite Nominasi dan Remunerasi
507 Coordination Between the Public Perkara yang Dihadapi Bank Victoria
431 Nomination and Remuneration Accountant and Internal Auditor and 526 Significant Cases Faced by Bank
Committee Audit Committee Victoria
Komite Audit Sistem Pengendalian Internal Perkara yang Dihadapi Entitas Anak
438 Audit Committee 508 Internal Control System 529 Significant Cases Faced by
Komite Tata Kelola Terintegrasi Subsidiary
453 Ruang Lingkup Pengendalian Internal
Integrated Governance Committee 508 Scope of Internal Control Perkara yang Dihadapi Dewan
Organ Pendukung Direksi Komisaris dan Direksi
463 Board of Directors Supporting Organs
533
Significant Cases Faced by Board of
Commissioners and Board of Directors

7
Sanksi Administrasi Media dan Pihak yang Mengelola
533 Administrative Sanctions Pelanggaran
543
Media and Party Managing Violations
Program Anti Pencucian Uang dan
Pencegahan Pendanaan Terorisme Mekanisme Pengelolaan Pelaporan
534
Anti Money Laundering and Counter Pelanggaran Tanggung Jawab
543
Financing Terrorism Program Mechanism of Whistleblowing Sosial Perusahaan
Management Corporate Social Resposibility
Pemberian Dana Kegiatan Politik
535 Provision of Funds for Political Perlindungan Bagi Pelapor
Activities
546 Protection For Whistleblower
Dasar Implementasi CSR
Kode Etik Penanganan Pengaduan 568 Basis of CSR Implementation
536 Code of Conduct
546 Complaint Handling
Pokok Isi Kode Etik Laporan Pelanggaran Tahun 2019 Struktur Pengelola CSR
536 547 569 CSR Management Structure
Principles of Code of Conduct Whistleblowing Report in 2019
Komitmen Kepatuhan terhadap Akses Informasi dan Data Perusahaan Visi dan Misi CSR
Kode Etik
547 Information Access and Corporate Data 570 CSR Vision and Mission
537
Commitment to Compliance With
Website Kebijakan CSR
Code of Conduct 548 Website 570 CSR Policies
Penyebarluasan dan Sosialisasi
Media Elektronik
Kode Etik 548 Electronic Media
Perumusan CSR
538 571 CSR Formulation
Dissemination and Socialization of
Code of Conduct Siaran Pers
548 Press Conference Pendekatan Holistik Terintegrasi dalam
Upaya Penerapan dan Penegakan Pelaksanaan CSR
Kode Etik Buletin 573
549 Integrated Holistic Approach in CSR
538 Bulletin
Effort to Implement and Enforce Implementation
Code of Conduct Transparansi Laporan Keuangan dan Voluntary vs Mandatory dalam
Non Keuangan Tanggung Jawab Sosial Perusahaan
Bentuk Pelanggaran dan Jenis 550
Sanksi Transparency of Financial and 574
Voluntary vs Mandatory in Corporate
539 Non-Financial Statements
Violation forms and Types of Social Responsibility
Sanction Implementasi Tata Kelola Terintegrasi Anggaran Tanggung Jawab Sosial
Laporan Penyimpangan Internal 552 Implementation of Integrated Perusahaan
Tahun 2019 Governance 574
539 Budget for Corporate Social
Internal Deviation Report in 2019 Dasar Penerapan Tata Kelola Responsibility
Terintegrasi Komitmen Keberlanjutan
Pengendalian Gratifikasi 552
540 Basis of Implementation of 575 Commitment to Sustainability
Gratification Control
Integrated Governance
Pengelolaan Pengendalian Gratifikasi CSR Terkait Hak Asasi Manusia
540 Management of Gratification Control Entitas Usaha dalam Tata Kelola 575 CSR Related to Human Rights
Terintegrasi
Sosialisasi Kebijakan Pengendalian 553 Komitmen dan Kebijakan CSR
Business Entity in Integrated
Gratifikasi terkait HAM
540 Governance
Dissemination of Gratification 575
CSR Commitment and Policies
Control Policy Asesmen Tata Kelola Terintegrasi Related to Human Rights
Laporan Gratifikasi Tahun 2019 555 Assessment of Integrated
539 Governance Perumusan CSR terkait HAM
Gratification Report in 2019
575 CSR Formulation Related to Human
Rencana Strategis Bank Rights
Sistem Pelaporan Pelanggaran 562
541 Policy of Whistleblowing System
Bank’s Strategic Plans
Pelaksanaan Inisiatif
Pembelian Kembali Saham 576 Implementation of Initiative
Kebijakan Sistem Pelaporan
563 dan/atau Obligasi
541 Pelanggaran
Buy Back of Shares and/or Bonds Dampak Kegiatan
Whistleblowing System Policy 577 Impact of Activities
Penyediaan Dana kepada Pihak Terkait
Sosialisasi Kebijakan Sistem CSR Terkait Operasi yang Adil
dan/atau Penyediaan Dana Besar
Pelaporan Pelanggaran 564 Provision of Fund to Related Party
578 CSR Related to Fair Operations
542
Dissemination of Whistleblowing and/or Provision of Large Exposure
System Policy Komitmen dan Kebijakan CSR terkait
564 Transparansi Kondisi Keuangan dan Operasi yang Adil
Jenis Pelanggaran yang Dapat Non-Keuangan Lainnya 578
CSR Commitment and Policies
Dilaporkan Transparency of Other Financial and
542 Related to Fair Operations
Types of Whistleblowing that Non-Financial Condition
Can Be Reported Perumusan CSR terkait Operasi yang
565 Pernyataan dan Praktik Bad Adil
Corporate Governance 578
Statement and Practices of Bad CSR Formulation Related To Fair
Corporate Governance Operations

8
Pelaksanaan Inisiatif Mekanisme Pengaduan Masalah
579 Implementation of Initiative Ketenagakerjaan
587
Complaint Mechanism for
Dampak Kegiatan
580 Impact of Activities
Employment Issues
CSR Terkait Pengembangan Sosial dan

581
CSR Terkait Lingkungan Hidup Kemasyarakatan Struktur Permodalan
CSR Related to Environment 588
CSR Related to Social and Community dan Manajemen Risiko
Komitmen dan Kebijakan CSR Terkait Development Capital Structure and Risk
Lingkungan Hidup Management Practices
581 Komitmen dan Kebijakan CSR
CSR Commitment and Policies Terkait Pengembangan Sosial dan
Related to Environment Kemasyarakatan
588 Struktur Permodalan dan Praktik
Perumusan CSR terkait Lingkungan CSR Commitment and Policies
Manajemen Risiko
Hidup Related to Social and Community 602
581 Development Capital Structure and Risk
CSR Formulation Related to Management Practices
Environmen Perumusan CSR terkait
Pengembangan Sosial dan Dasar Penerapan Manajemen Risiko
582 588 Kemasyarakatan 602 Basis of Risk Management
Implementation of Initiative Implementation
CSR Formulation Related to Social
Dampak Kegiatan and Community Development Pengungkapan Permodalan
583 Impact of Activities 603 Disclosure of Capital
589 Implementation of Initiative
Penghargaan dan Sertifikasi, serta Kebijakan Pengelolaan Permodalan
Penanganan Masalah Lingkungan 603 Capital Management Policy
Hidup Dampak Kegiatan
583 594 Impact of Activities Struktur Permodalan
Awards and Certifications, and 604
Handling of Environmental Problems Capital Structure
Mekanisme Pelibatan Pemangku
Kepentingan dan Pengaduan Masalah Kecukupan Permodalan
CSR Terkait Ketenagakerjaan, 604
Kesehatan dan Keselamatan Kerja 594 Mechanisms for Stakeholder Capital Adequacy
583 CSR Related to Employment, Engagement and Complaints of
Penerapan Manajemen Risiko
Occupational Health and Safety (OHS) Issues 608 Risk Management Implementation
Komitmen dan Kebijakan CSR CSR Terkait Nasabah
595 CSR Related to Customers
Pengawasan Aktif Dewan Komisaris
terkait Ketenagakerjaan dan K3
583 dan Direksi
CSR Commitment and Policies Komitmen dan Kebijakan CSR Terkait 608 Active Monitoring of the Board of
Related to Employment and OHS Nasabah Commissioners and the Board of
595 Directors
Perumusan CSR terkait CSR Commitment and Policies
Ketenagakerjaan dan K3 Related to Customers
583 Kecukupan Kebijakan dan Prosedur,
CSR Formulation Related to Perumusan CSR terkait Nasabah serta Penetapan Limit Risiko
Employment and OHS 610
595 CSR Formulation Related to Adequacy of Policies, Procedures,
Pelaksanaan Inisiatif Customers and Limit Establishment of Risk
584 Implementation of Initiative Management
595 Implementation of Initiative Kecukupan Proses Identifikasi,
Dampak Kegiatan
586 Impact of Activities
Pengukuran, Pemantauan,
Dampak Kegiatan Pengendalian dan Sistem Informasi
597 Impact of Activities Manajemen Risiko
Penanganan Keadaan Darurat
610
Keselamatan Kerja Adequacy of Process of
586 Mekanisme Pelibatan Pemangku
Identification, Measurement,
Occupational Safety Emergency Kepentingan dan Pengaduan Masalah
Handling 597 Monitoring, Control, and Information
Mechanisms for Stakeholder system of Risk Management
Engagement and Complaints of Issues
Sistem Pengendalian Internal
terhadap Penerapan Manajemen
611 Risiko
Internal Control System on Risk
Management Implementation

Strategi Penerapan Manajemen Struktur Organisasi Manajemen
Risiko Risiko Terintegrasi
612 620
Risk Management Implementation Organizational Structure of
Strategy Integrated Risk Management
Organisasi Manajemen Risiko Komite Manajemen Risiko

612 Risk Management Organization Terintegrasi
621
Integrated Risk Management
613 Risk Monitoring Committee
Committee
Satuan Kerja Manajemen

Komite Manajemen Risiko
613 Risk Management Committee
Risiko Terintegrasi
621
Integrated Risk Management
Divisi Risk Management/Integrated Work Unit
613 Risk Management/Integrated
Profil Risiko Terintegrasi
Division 622 Integrated Risk Profile
Profil Risiko
615 Manajemen Permodalan Terintegrasi
Risk Profile 623 Integrated Capital Management
Evaluasi dan Peningkatan
Pengungkapan Eksposur Risiko
Pengelolaan Risiko 624 Disclosure of Risk Exposure
616
Evaluation and Improvement of Risk
Management Risiko Kredit
624 Credit Risk
Evaluasi Pelaksanaan Sistem
Manajemen Risiko Risiko Pasar
616 630 Market Risk
Evaluation of Risk Management
System Implementation
Risiko Likuiditas
633 Liquidity Risk
Penerapan Manajemen Risiko
Terintegrasi
617 Risiko Operasional
Integrated Risk Management 634 Operational Risk
Implementation
Risiko Hukum
Pengawasan Dewan Komisaris dan 636 Legal Risk
Direksi Entitas Utama
618 Risiko Strategis
Supervision of the Board of 637 Strategic Risk
Commissioners and Board of
Directors of the Main Entity Risiko Kepatuhan
638 Compliance Risk
Kecukupan Kebijakan, Prosedur, dan
Penetapan Limit Manajemen Risiko Risiko Reputasi
Terintegrasi 639 Reputation Risks
619
Adequacy of Policies, Procedures,
and Limit Establishment of Pengungkapan Kuantitatif Permodalan
Integrated Risk Management dan Eksposur Risiko
639
Quantitative Disclosure of Capital and
Kecukupan Proses Identifikasi, Risk Exposure
Pengukuran, Pemantauan,
Pengendalian dan Sistem Informasi
Manajemen Risiko Terintegrasi
619 Adequacy of Process of Referensi POJK dan
Identification, Measurement, Kriteria Ara
Monitoring, Control, and Information 696 References of POJK
system of Integrated Risk and Ara Criteria
Management Laporan Keuangan
718 Financial Statements
terhadap Penerapan Manajemen
620 Risiko Terintegrasi
Internal Control System on Integrated
Risk Management Implementation

Laporan
Manajemen
Management Report
Dewan Komisaris dan Direksi

terus mengupayakan penerapan
strategi terbaik untuk mempertahankan
pertumbuhan kinerja Bank.
Board of Commissioners and Board of Directors still strives
to implement the best strategy to maintain the growth
of the Bank’s performance.


Laporan Dewan Komisaris

// Report of the Board of Commissioners
“Bank Victoria fokus melakukan

transformasi terhadap budaya
kerja, perbaikan kualitas
portofolio aset, penguatan
bisnis utama, serta penguatan
aliansi strategis dan transaksi
perbankan. Fokus tersebut
ditujukan agar Bank dapat
memiliki struktur bisnis dan
permodalan yang semakin
kuat, tahan terhadap tekanan
ekonomi dan lingkungan bisnis
yang semakin kompetitif,
serta terus tumbuh secara
berkesinambungan.”
“Bank Victoria is focused on the
transformation of work culture,
the improvement of asset portfolio
quality, the strengthening of core
business, and the strengthening
of strategic alliances and banking
transactions. The purpose is to
allow the Bank to have a stronger
business structure and capital, to
endure the economic pressures and
increasingly competitive business
environment, and to continue to
grow.”
Oliver Simorangkir
Komisaris Utama
President Commissioner

Pemegang Saham dan pemangku kepentingan yang terhormat, Dear Distinguished Shareholders and Stakeholders,
Melalui Laporan Dewan Komisaris ini, kami menyampaikan In this Board of Commissioners Report, we deliver the supervision
hasil pengawasan terhadap pengelolaan PT Bank Victoria results of the management of PT Bank Victoria International Tbk
International Tbk di sepanjang tahun 2019. Fokus pengawasan throughout 2019. The supervision focus is consistent with the
disesuaikan dengan arah kebijakan yang dituangkan dalam policy direction set out in the Bank’s Business Plan (RBB). In line
Rencana Bisnis Bank (RBB). Sesuai dengan tema RBB 2019- with the theme of 2019-2021 Bank’s Business Plan, Enhancing
2021, yaitu Enhancing Banking Service of Excellence, maka Bank Banking Service of Excellence, Bank Victoria is focused on
Victoria fokus melakukan transformasi terhadap budaya kerja, the transformation of work culture, the improvement of asset
perbaikan kualitas portofolio aset, penguatan bisnis utama, portfolio quality, the strengthening of core business, and the
serta penguatan aliansi strategis dan transaksi perbankan. Fokus strengthening of strategic alliances and banking transactions.
tersebut ditujukan agar Bank dapat memiliki struktur bisnis dan The purpose is to allow the Bank to have a stronger business
permodalan yang semakin kuat, tahan terhadap tekanan ekonomi structure and capital, to endure the economic pressures and
dan lingkungan bisnis yang semakin kompetitif, serta terus increasingly competitive business environment, and to continue
tumbuh secara berkesinambungan. to grow.
Penilaian dan pandangan kami berdasarkan hasil pengawasan Our assessment and views based on the result of the supervision
yang dilaksanakan di sepanjang tahun tersebut dapat kami carried out throughout 2019 area are elaborated as follows.
jelaskan sebagai berikut.
Penilaian Terhadap Kinerja Direksi Assessment of the Board of Directors’

Performance
Pertumbuhan ekonomi dan pasar keuangan di tahun 2019 Economic growth and financial market in 2019 showed a
mengalami perlambatan dari tahun sebelumnya. Ketegangan slowdown compared to the previous year. The the U.S-China
hubungan dagang antara Amerika Serikat dan Tiongkok yang terus trade tensions which continued throughout 2019 had a significant
berlanjut di tahun 2019 berdampak signifikan terhadap pelemahan impact on the decreasing world trade volumes and declines in the
volume perdagangan dunia dan penurunan harga komoditas. commodity prices. In addition, the shift to sustainable growth as
Selain itu, peralihan fokus pada pertumbuhan berkelanjutan mulai a focus began to affect policy making and business patterns in a
mempengaruhi penetapan kebijakan dan pola bisnis di berbagai lot of countries. These conditions not only affected the market
negara. Kondisi tersebut tidak hanya mempengaruhi pasar barang of goods and services, but also put pressure on the financial
dan jasa, tetapi juga memberikan tekanan pada pasar keuangan. market. A lot of countries responded to the situation by giving
Berbagai negara kemudian merespon kondisi tersebut dengan fiscal stimulus and implementing relaxation of monetary policy,
stimulus fiskal dan pelonggaran kebijakan moneter, meskipun though these measures did not fully prevent the slowdown in the
belum sepenuhnya mampu mencegah perlambatan ekonomi dunia. world economy.
Tekanan ekonomi global serta perkembangan kondisi di dalam The pressure of global economy and the development of the
negeri telah mempengaruhi pertumbuhan ekonomi Indonesia condition in Indonesia have affected the country’s economic
pada berbagai sektor lapangan usaha, termasuk jasa keuangan. growth in various business sectors, including financial services.
Pertumbuhan indikator-indikator pasar uang belum optimal, The growth of money market indicators was not optimal yet,
termasuk kinerja perbankan yang belum sepenuhnya kuat. Hal ini including the performance of banks which was not fully strong yet.
turut dirasakan oleh Bank yang menunjukkan pertumbuhan terbatas This was also felt by the Bank which recorded limited growth in the
pada aspek operasional di sisi penghimpunan dana dan penyaluran operational aspects in terms of fund raising and lending, resulting
pinjaman sehingga terjadi penurunan pada kinerja keuangan dari in a decline in financial performance from the performance of the
tahun sebelumnya. Meskipun demikian, Bank tetap menjaga kinerja previous year. The Bank, nevertheless, maintained its financial
posisi keuangan dan struktur permodalan agar tetap menguat dari position and capital structure stronger compared to the previous
tahun sebelumnya, meskipun belum secara signifikan. year, though it was not too significant.
Kami memandang bahwa pencapaian Bank di tengah kondisi yang We consider that the Bank’s achievements amid the challenging
menantang tersebut perlu diapresiasi dengan baik. Meskipun conditions should be well appreciated. Despite the limited
hasil kinerja operasional dan keuangan masih terbatas, namun results of operations and financial performance, the Bank’s

fokus Bank untuk memperkuat dasar-dasar pertumbuhan usaha focus on the strengthening of the fundamentals of sustainable
yang berkelanjutan tetap terjaga. Kami pun tetap mendukung business growth has remained strong. We keep on supporting
Direksi untuk terus meningkatkan strategi dan penyempurnaan the Board of Directors to continue to improve our strategies and
di berbagai lini usaha agar pertumbuhan di periode selanjutnya improvements across various business lines to ensure future
dapat lebih baik. growth in the subsequent period.
Pengawasan Terhadap Implementasi Supervision on the Implementation of the

Strategi Bank Bank’s Strategy
Kami memandang bahwa implementasi strategi dan fokus We consider the Bank’s strategic implementation and growth
pertumbuhan Bank di tahun 2019 telah dilaksanakan sesuai focus in 2019 has been implemented in accordance with the
RBB. Beberapa pencapaian strategi yang sesuai target tersebut Bank’s Business Plan. Some of the strategic achievements which
terkait: are in line with the target are:
1. Penambahan Modal Tanpa Hak Memesan Efek Terlebih 1. Capital Addition Without Pre-emptive Rights (PMTHMETD)
Dahulu (PMTHMETD) serta Penawaran Umum Berkelanjutan and Sustainable Public Offering of Continuous Bond II Phase I
atas Obligasi Berkelanjutan II Bank Victoria Tahap I 2019 dan of Bank Victoria 2019 and Continuous Subordinated Bond II of
Obligasi Subordinasi Berkelanjutan II Bank Victoria Tahap I Phases I and II of Bank Victoria 2019;
dan II Tahun 2019;
2. Penawaran negotiable certificate deposits (NCD); 2. Offering of negotiable certificate deposits (NCD);
3. Pengembangan produk dan layanan perbankan, khususnya 3. Development of banking products and services, particularly
penghimpunan DPK melalui produk dana murah dan deposan collection of third-party funds through affordable fund
retail serta penyaluran kredit UMKM dan komersial; products and retail depositors as well as lending to MSMEs
and commercial credit;
4. Efisiensi jaringan kantor serta peningkatan kapasitas dan 4. The efficiency of office network and the increased capacity
kapabilitas pemimpin di jaringan kantor tersebut. and capabilities of the leaders in the offices.
Pandangan Terhadap Prospek Usaha Insights on Business Prospects

Pertumbuhan ekonomi dan lapangan usaha di tahun 2020 masih Growth in economy and employment in 2020 will still face
akan berada dalam tekanan ekonomi makro. Tantangan yang macroeconomic pressure. The challenge becomes even greater
dihadapi bahkan menjadi semakin besar dengan merebaknya due to the Covid-19 pandemic. The Bank, however, will continue
pandemi Covid-19. Meskipun demikian, Bank akan tetap to strive for better business growth and performance. The
mengupayakan pertumbuhan dan kinerja usaha yang lebih baik. improvement of business quality will be supported by the work
Pertumbuhan kualitas usaha akan ditopang oleh efektivitas process effectiveness and efficiency of both business aspects
dan efisensi proses kerja, baik dari aspek bisnis maupun aspek and supporting aspects, by observing the prudential principle.
pendukung, dengan memperhatikan prinsip kehati-hatian.
Untuk mencapai hal tersebut, Direksi telah menyusun target To achieve this, the Board of Directors has set short-term goals
jangka pendek beserta strategi pencapaiannya dalam RBB 2020- and their strategic goals in the 2020-2022 Bank’s Business Plan.
2022. Berdasarkan hasil penelaahan terhadap dokumen tersebut, Based on our review of the document, we believe that the Board
kami memandang bahwa Direksi telah mempertimbangkan of Directors has considered various assumptions of macro and
berbagai asumsi indikator ekonomi makro dan mikro, serta micro economic indicators, as well as the Bank’s capabilities and
kapabilitas dan rencana pertumbuhan Bank. Rencana Direksi growth plan. We will support the plan of the Board of Directors by
tersebut akan kami dukung melalui peningkatan kualitas ensuring improved quality of supervision and advice.
pengawasan dan pemberian nasihat.
Pandangan Terhadap Penerapan Tata View on Good Corporate Governance

Kelola Perusahaan Implementation
Berdasarkan hasil self-assessment penerapan tata kelola Based on the self-assessment results of corporate governance
perusahaan (GCG) di tahun 2019 secara individual maupun (GCG) implementation in 2019 by the Bank individually and in
konsolidasian dengan Entitas Anak, dapat disimpulkan bahwa consolidation with its Subsidiaries, it can be concluded that the
kualitas penerapan GCG Bank telah baik. Aspek penerapan Bank’s GCG implementation is good. The implementation aspects
tersebut meliputi: include:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Implementation of duties and responsibilities of the Board of
Directors;
2. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 2. Implementation of duties and responsibilities of the Board of
Commissioners;

3. Kelengkapan dan pelaksanaan tugas komite; 3. Completeness and performance of committee duties;
4. Penanganan benturan kepentingan; 4. Managing conflict of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance function;
6. Penerapan fungsi audit intern; 6. Implementation of internal audit function;
7. Penerapan fungsi audit ekstern; 7. Implementation of external audit function;
8. Penerapan manajemen risiko, termasuk sistem pengendalian 8. Implementation of risk management including internal
intern; control system;
9. Penyediaan dana kepada pihak terkait dan penyediaan dana 9. Provision of fund to related party and provision of large
besar; exposure;
10. Transparansi kondisi keuangan dan non keuangan bank, 10. Transparency of the Bank’s financial and non-financial
laporan pelaksanaan GCG, dan pelaporan internal; serta condition, GCG implementation report, and internal reporting;
as well as
11. Rencana strategis Bank. 11. Strategic planning of the Bank.
Demikian pula halnya dengan penerapan tata kelola terintegrasi In the implementation of integrated governance of the Victoria
dalam Grup Victoria, dimana Bank Victoria memegang peran Group, Bank Victoria also acts as the implementing Main Entity.
sebagai Entitas Utama pelaksananya. Hasil self-assessment The self-assessment results show that the integrated governance
menunjukkan bahwa tata kelola terintegrasi telah berjalan dengan has run well in these aspects:
baik pada aspek:
1. Direksi Entitas Utama; 1. Board of Directors of Main Entity;
2. Dewan Komisaris Entitas Utama; 2. Board of Commissioners of Main Entity;
3. Komite Tata Kelola Terintegrasi; 3. Integrated Governance Committee;
4. Satuan Kerja Kepatuhan Terintegrasi; 4. Integrated Compliance Work Unit;
5. SKAI Terintegrasi; 5. Integrated Internal Audit Work Unit;
6. Penerapan manajemen risiko terintegrasi; serta 6. Integrated risk management implementation; as well as
7. Pedoman tata kelola terintegrasi. 7. Integrated governance guidelines.
Bank juga telah meningkatkan kualitas pengelolaan sistem The Bank has also improved the quality of management of the
pelaporan pelanggaran. Dengan mengoptimalkan peran Dewan violation reporting system. Through the optimization of roles of
Komisaris dan Direksi beserta pengurus, karyawan, dan mitra the Board of Commissioners and Board of Directors as well the
kerja, maka setiap pelaporan pelanggaran dikelola dengan sebaik managers, employees, and partners, each violation report will
mungkin untuk menghindari perilaku melanggar hukum dan/atau be managed the best way possible to prevent unlawful and/or
perbuatan tidak etis di lingkungan Bank pada periode selanjutnya. unethical behavior in the Bank in the future.
Pandangan Terhadap Penerapan View on Implementation of Corporate

Tanggung Jawab Sosial Perusahaan Social Responsibility
Seiring dengan berlakunya ISO 26000 tentang Guidance Standard With the implementation of ISO 26000 on the Guidance Standard
on Social Responsibility, maka penerapan tanggung jawab sosial on Social Responsibility, the Bank made improvement in the
(CSR) Bank telah ditingkatkan pada berbagai aspek internal implementation of its CSR in various internal and external
maupun eksternal Bank. Kualitas penerapan tanggung jawab Bank aspects of the Bank. The quality of the Bank’s implementation of
juga sedang dikembangkan agar sesuai dengan inisiatif keuangan responsibilities is also being developed so that it complies with
berkelanjutan yang diatur dalam Peraturan OJK. Pengembangan the sustainable financial initiatives set out in the OJK Regulations.
ini tidak dipandang sebagai kewajiban, tetapi bagian dari strategi This development is not considered an obligation, but as part
untuk menjaga kesinambungan usaha. Oleh karena itu, kami of the strategy to maintain business continuity. Therefore, we
mendukung penuh upaya Direksi untuk menjalankan berbagai fully support the efforts of the Board of Directors to implement
inisiatif yang dapat meningkatkan manfaat bagi Pemegang various initiatives that will increase the benefits for the Bank’s
Saham dan seluruh pemangku kepentingan Bank. Shareholders and all of its stakeholders.
Frekuensi dan Cara Pemberian Nasihat Frequency and Procedures to Give Advice
kepada Direksi to the Board of Directors
Dalam melaksanakan tugas pengawasan dan pemberian In implementing the supervisory and advisory duties in connection
nasihat terkait pengelolaan Bank, kami melakukan koordinasi with the Bank’s management, we established coordination and
dan komunikasi yang intens dengan Direksi. Hal ini terutama communication with the Board of Directors. This was mainly
dilakukan melalui rapat gabungan Dewan Komisaris dan Direksi conducted through joint meetings of the Board of Commissioners
yang dilaksanakan sebanyak 13 kali di sepanjang tahun 2019. and Board of Directors held for 13 times throughout 2019. The key
Pokok pembahasan dalam rapat tersebut antara lain meliputi points of the meetings included the operational and financial

pencapaian kinerja operasional dan keuangan, pelaksanaan fokus performance, the implementation of management focus and
pengelolaan dan implementasi strategi, pemantauan kualitas aset strategy, monitoring of assets and credit quality, monitoring
dan kredit, pemantauan permasalahan hukum, serta penyusunan of legal issues, and the Bank’s Business Plan preparation for
RBB untuk tahun selanjutnya. Selain itu, kami juga menyampaikan the subsequent next year. In addition, we sent some letters of
beberapa surat rekomendasi kepada Direksi mengenai hal-hal recommendation to the Board of Directors on matters considered
yang dipandang perlu. necessary.
Penilaian Kinerja Komite di Bawah Dewan Performance Assessment of Committees

Komisaris Under the Board of Commissioners
Pengawasan dan pemberian nasihat ini melibatkan peran Komite This supervisory and advisory duties involve the roles of the
di bawah Dewan Komisaris, yakni Komite Audit, Komite Tata Committees under the Board of Directors, namely the Audit
Kelola Terintegrasi, Komite Pemantau Risiko, serta Komite Committee, the Integrated Governance Committee, the Risk
Nominasi dan Remunerasi. Kami memandang bahwa komite- Monitoring Committee, and the Nomination and Remuneration
komite tersebut telah mengawasi pelaksanaan pengelolaan Committee. We consider that these committees have supervised
Bank dan menelaah setiap laporan dengan seksama sehingga the implementation of the Bank’s management and reviewed each
rekomendasi yang diberikan mampu menggambarkan kondisi report carefully so that the recommendations given accurately
yang dihadapi dengan tepat. Oleh karena itu, kami mengapresiasi reflected the real conditions. Therefore, we appreciate the
kinerja komite-komite Dewan Komisaris tersebut. performance of the committees of the Board of Commissioners.
Perubahan Komposisi Dewan Komisaris Changes in the Composition of the Board

of Commissioners
Di sepanjang tahun 2019, tidak terjadi perubahan susunan Throughout 2019, there were no changes of the composition of
keanggotaan Dewan Komisaris Bank Victoria. Seluruh Dewan Bank Victoria’s Board of Commissioners. All members of the
Komisaris yang menjabat sejak periode sebelumnya tetap Board of Commissioners who served during the previous period
melaksanakan tugas dan tanggung jawab dengan solid. continued to perform their duties and responsibilities.
Penutup Closing
Mengakhiri Laporan Dewan Komisaris ini, kami menyampaikan To conclude this Board of Commissioners Report, we would like to
terima kasih dan apresiasi kepada Pemegang Saham dan seluruh express our gratitude and appreciation to our Shareholders and
pemangku kepentingan atas kepercayaan dan dukungan yang all of our stakeholders for the trust and support they give to us
diberikan kepada kami untuk terus melakukan pengawasan for our continued supervision of the Bank’s management in 2019.
terhadap pengelolaan Bank di tahun 2019. Kepercayaan dan The trust and support has motivated us to keep on improving our
dukungan ini menjadi motivasi kami untuk terus meningkatkan roles and responsibilities to continually increase the value of our
peran dan tanggung jawab agar dapat meningkatkan nilai Pemegang Shareholders and stakeholders.
Saham dan pemangku kepentingan secara berkesinambungan.
Jakarta, Mei 2019

Jakarta, May 2019
Atas nama Dewan Komisaris PT Bank Victoria International Tbk

On behalf of the Board of Commisioners PT Bank Victoria International Tbk
Oliver Simorangkir
Komisaris Utama
President Commisioner

Dewan Komisaris
// Board of Commissioners
Dari kiri ke kanan / From left to right:
Gunawan Tenggarahardja Oliver Simorangkir Zaenal Abidin, PhD

Komisaris/Komisaris Independen Komisaris Utama Komisaris/Komisaris Independen
Commissioner/Independent President Commissioner Commissioner/Independent
Commissioner Commissioner

Laporan Direksi
// Report of the Board of Directors
“Secara konsolidasian, deposito

berjangka tumbuh 4,86%,
tabungan tumbuh 2,39%, dan
giro tumbuh 37,33%.
Selain itu, pinjaman yang
diberikan, pembiayaan dan
piutang syariah tumbuh 6,38%.”
“On a consolidated basis.
Time deposits grew by 4.86%,
savings grew by 2.39%,
and demand deposits grew
by 37.33%. In addition,
loans, sharia financing and
receivables grew by 6.38%.”
Ahmad Fajar
Direktur Utama
President Director

Pemegang Saham dan pemangku kepentingan yang terhormat, Dear Distinguished Shareholders and Stakeholders,
Segenap jajaran Direksi PT Bank Victoria International All members of the Board of Directors of PT Bank Victoria
Tbk bersyukur dapat melewati tahun 2019 dengan baik. Di International Tbk are grateful to have passed the year 2019 well.
tahun tersebut, kompetisi yang dihadapi industri perbankan In that year, the competition faced by the banking industry was
semakin berat seiring dengan perkembangan digitalisasi serta more challenging along with the development of digitalization
kondisi ekonomi yang terjadi. Meskipun demikian, Bank tetap and economic conditions. Nevertheless, the Bank still strives to
mengupayakan penerapan strategi terbaik untuk mempertahankan implement the best strategy to maintain its performance. The
kinerja. Tantangan dan strategi yang mewarnai perjalanan Bank di challenges and strategies that colored the Bank’s journey in 2019
tahun 2019 serta pencapaiannya, kami jelaskan sebagai berikut. as well as their achievements are explained as follows.
Tantangan Perekonomian Indonesia dan Challenges to the Indonesian Economy

Industri Perbankan and the Banking Industry
Pertumbuhan ekonomi Indonesia tahun 2019, yang ditunjukkan Indonesia’s economic growth in 2019, as shown by Gross Domestic
dari pertumbuhan Produk Domestik Bruto (PDB), mencapai 5,02%. Product (GDP) growth, reached 5.02%. This achievement was
Pencapaian ini sedikit melambat dibandingkan pertumbuhan slightly slowing compared to the growth achieved in the previous
yang dapat diraih pada tahun sebelumnya, yakni sebesar 5,17%. year, which was 5.17%. The slowing economic growth was also
Perlambatan pertumbuhan ekonomi ini turut dipengaruhi kondisi influenced by the global economic condition that experienced
ekonomi global yang mengalami penurunan harga komoditas dan a decline in commodity prices and a weakened trade volume.
pelemahan volume perdagangan. Selain itu, tindakan wait and Furthermore, the wait-and-see aspect for the election result
see terhadap hasil pemilu turut mempengaruhi pertumbuhan. also influenced the growth. Nonetheless, inflation can still be
Meskipun demikian, inflasi masih dapat dikendalikan hingga ke controlled to the level of 2.72%, the lowest level since 1999.
tingkat 2,72%, level terendah sejak tahun 1999. Demikian pula Likewise, Rupiah exchange rate strengthened at the end of the
halnya dengan nilai tukar Rupiah yang menguat di periode akhir year despite its fluctuations throughout the year.
tahun, meskipun mengalami fluktuasi di sepanjang tahun.
Dari sisi pasar uang, transmisi suku bunga di pasar uang dari On the money market side, transmission of interest rates in
pelonggaran kebijakan moneter telah berjalan cukup baik, money market from monetary policy flexibility proceeded quite
meskipun belum optimal. Pasar uang relatif stabil dan efisien well, although not optimal. The money market was relatively
dengan likuiditas perbankan yang memadai. Hal ini berdampak stable and efficient with adequate banking liquidity. This had
pada terkendalinya kinerja perbankan, meskipun belum an impact on the controlled banking performance, although it is
sepenuhnya kuat. Pertumbuhan aset, penghimpunan dana pihak not yet fully strong. Asset growth, third party funds (DPK), and
ketiga (DPK), dan penyaluran kredit hanya berada di bawah 10%. loans were only under 10%. In addition, banking industry ratios,
Selain itu, rasio-rasio industri perbankan, seperti Net Interest such as Net Interest Margin (NIM), Return on Assets (ROA), and
Margin (NIM), Return on Assets (ROA), dan Loan to Deposits Loan to Deposits Ratio (LDR) showed a decrease from those of
Ratio (LDR) menunjukkan penurunan dari tahun sebelumnya. previous year. Capital Adequacy Ratio (CAR) growth was also not
Pertumbuhan Capital Adequacy Ratio (CAR) juga belum signifikan. yet significant. Nonetheless, prudential banking has pushed the
Meskipun demikian, kehati-hatian perbankan telah menekan Non- gross Non-Performing Loans (NPL) lower than that of previous
Performing Loan (NPL) bruto lebih rendah dari tahun sebelumnya. year.
Strategi yang Ditempuh Bank Strategy Implemented by the Bank

Dalam menghadapi tantangan tersebut, Bank fokus melaksanakan In facing these challenges, the Bank focused on implementing
strategi yang telah ditetapkan dalam Rencana Bisnis Bank 2019, the strategies set out in the 2019 Bank Business Plan, namely
yaitu Enhancing Banking Service of Excellence. Bank berupaya Enhancing Banking Service of Excellence. The Bank strives to
untuk meningkatkan penghimpunan DPK melalui produk dana increase third-party funds (DPK) through low-cost fund products
murah dan deposan retail. Penyaluran kredit tetap difokuskan and retail depositors. Loans continue to be focused on MSME
pada segmen UMKM dan komersial dengan prinsip kehati-hatian and commercial segments with the principle of prudence and
dan berdasarkan risk appetite. Penerapan kedua aspek tersebut based on risk appetite. The application of these two aspects is
disertai dengan peningkatan peran relationship officer, team accompanied by an increase in the roles of relationship officers,
leader, pimpinan kantor cabang atau wilayah, serta kepala divisi team leaders, branch or regional office leaders, and related

yang terkait. Selain itu, secara konsisten dan bertahap, Bank division heads. In addition, consistently and gradually, the Bank
terus meningkatkan layanan operasional yang efisien, nyaman, continues to improve operational services that are efficient,
cepat, dan handal yang berbasis kepada orientasi bisnis. comfortable, fast, and reliable based on business orientation.
Untuk memperkuat permodalan dan pertumbuhan usaha dalam To strengthen its capital and business growth in the form of credit
bentuk ekspansi kredit, Bank telah melaksanakan Penambahan expansion, the Bank has conducted Capital Addition without Pre-
Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) serta emptive Rights (PMTHMETD) and Issuance of Sustainable Public
Penerbitan Umum Berkelanjutan atas Obligasi Berkelanjutan II Bank of Bank Victoria Continuous Bonds II Phase I Year 2019 and Bank
Victoria Tahap I Tahun 2019 dan Obligasi Subordinasi Berkelanjutan Victoria Continuous Subordination Bonds II Phases I and II Year
II Bank Victoria Tahap I dan II Tahun 2019. Selain itu, Bank juga telah 2019. In addition, the Bank has also offered negotiable certificate
menawarkan negotiable certificate deposits (NCD) di tahun tersebut. deposits (NCD) in that year.
Pencapaian Kinerja Performance Achievements

Strategi yang dilaksanakan Bank telah mendorong pertumbuhan The strategy implemented by the Bank has encouraged the
kinerja operasional dari sisi penghimpunan DPK dan pinjaman yang operational performance growth in terms of collecting third-
diberikan secara konsolidasian. Pertumbuhan deposito berjangka party funds (DPK) and providing loans on a consolidated basis.
mencapai 4,86% menjadi Rp18,08 triliun, pertumbuhan tabungan The growth of time deposits reached 4.86% to Rp18.08 trillion,
mencapai 2,39% menjadi Rp2,78 triliun, dan pertumbuhan giro growth of savings reached 2.39% to Rp2.78 trillion, and demand
mencapai 37,33% menjadi Rp929,21 miliar. Selain itu, pinjaman deposits grew by 37.33% to Rp929.21 billion. In addition, loans,
yang diberikan, pembiayaan dan piutang syariah tumbuh 6,38% sharia financing and receivables grew by 6.38% to Rp17.44 trillion.
menjadi Rp17,44 triliun. Kredit baru yang dibukukan selama tahun New loans that were recorded throughout 2019 had improved the
2019 meningkatkan kinerja yang jauh lebih baik dan lebih prudent. performance in a far better and more prudent manner.
Pertumbuhan kinerja operasional ini khususnya didominasi Operational performance growth was particularly dominated by
pertumbuhan segmen konvensional. Penghimpunan DPK segmen growth in conventional segment. Third party funds segment grew
tersebut tumbuh 5,60% menjadi Rp21,79 miliar atau mencapai by 5.60% to Rp21.79 billion or reached 98.25% of the RBB target,
98,25% dari target RBB, sedangkan pinjaman yang diberikan while loans grew by 6.92% to Rp16.21 billion or reached 96.25%
tumbuh 6,92% menjadi Rp16,21 miliar atau mencapai 96,25% of the RBB target. Thus, the Loan to Funding Ratio (LFR) reached
dari target RBB. Dengan demikian, Loan to Funding Ratio (LFR) 72.84%, an increase compared to that of 2018, which reached
mencapai 72,84%, meningkat dibandingkan tahun 2018 yang 72.32%. This LFR growth was accompanied by an increase in net
mencapai 72,32%. Pertumbuhan LFR ini disertai peningkatan Non- Non-Performing Loans (NPL) to 4.96% from 1.90% in 2018, but still
Performing Loan (NPL) neto menjadi 4,96% dari 1,90% di tahun within the safe limits of the Bank’s soundness.
2018, namun masih berada dalam batas aman kesehatan Bank.
Peningkatan tipis pada kinerja operasional Bank secara The slight increase in the Bank’s operational performance on
konsolidasian belum berdampak signifikan pada pendapatan a consolidated basis had not yet had a significant impact on
operasional yang menunjukkan penurunan. Pendapatan bunga dan operating income which showed a decline. Net interest and
syariah – bersih menurun 41,40% menjadi Rp269,15 miliar, demikian sharia income decreased by 41.40% to Rp269.15 billion, so did the
pula pendapatan operasional lainnya menurun 4,42% menjadi other operating income decrease by 4.42% to Rp362.16 billion.
Rp362,16 miliar. Besarnya penurunan pendapatan ini menyebabkan The amount of decrease in revenue caused the Bank to record a
Bank mencatatkan rugi bersih tahun berjalan sebesar Rp13,77 net loss for the year of Rp13.77 billion in 2019. However, the Bank
miliar di tahun 2019. Namun, Bank membukukan penghasilan recorded other comprehensive income at Rp95.01 billion, covering
komprehensif lain yang mencapai Rp95,01 miliar, menutup jumlah the total comprehensive income for the year to be Rp81.25 billion.
penghasilan komprehensif tahun berjalan menjadi Rp81,25 miliar.
Pertumbuhan posisi keuangan secara konsolidasian juga relatif The consolidated financial position growth was relatively stable.
stabil. Aset tumbuh 0,94% menjadi Rp30,46 triliun, dana syirkah Assets grew by 0.94% to Rp30.46 trillion, temporary syirkah funds
temporer tumbuh 8,34% menjadi Rp1,69 triliun, dan total ekuitas grew by 8.34% to Rp1.69 trillion, and total equity grew by 6.43%
tumbuh 6,43% menjadi Rp2,99 triliun. Sedangkan, total liabilitas turun to Rp2.99 trillion. Meanwhile, total liabilities decreased by 0.10%
0,10% menjadi Rp25,78 triliun. Bank terus menjaga posisi keuangan, to Rp25.78 trillion. The Bank continues to maintain its financial
khususnya kecukupan permodalan untuk memastikan agar struktur position, particularly its capital adequacy to ensure that the
permodalan Bank dalam keadaan yang efisien dan sehat. Hal ini antara Bank’s capital structure is in an efficient and sound condition.
lain ditunjukkan dari peningkatan rasio kewajiban penyediaan modal This was indicated by, among others, the increase in the capital
minimum yang menjadi 17,29% dari 16,73% di tahun sebelumnya. adequacy ratio to 17.29% from 16.73% in the previous year.

Prospek Usaha Business Prospects

Dengan kondisi makro ekonomi tahun 2019 yang cenderung Due to the macro economic condition that tend to slow down in
melambat, Bank telah mengantisipasi potensi naiknya NPL melalui 2019, the Bank had anticipated the potential of increasing NPL
peningkatan manajemen risiko, antara lain dengan perbaikan and increasing risk management, among others, by improving
tata kelola SOP perkreditan, sistem pemutusan kredit dengan the SOP governance for credit, the decision-making for credit
mengintensifkan Komite Kredit, dan pemantauan pencairan dan by intensifying the Credit Committee and monitoring the
pasca disbursement secara lebih intens. disbursement and post-disbursement more intensively.
Pada akhir tahun 2019, industri perbankan Indonesia At the end of 2019, Indonesia’s banking industry projected to be
memproyeksikan dapat mencatatkan pertumbuhan DPK dan able to record growth in third-party funds (DPK) and loans at 8%-
pinjaman yang diberikan masing-masing sebesar 8%-10% 10% and 10%-12%, respectively, in 2020. However, the Covid-19
dan 10%-12% pada tahun 2020. Namun, pandemi Covid-19 pandemic that has swept across the world has had a direct
yang melanda seluruh dunia telah berdampak secara langsung and indirect impact on the economy and industrial activities,
maupun tidak langsung kepada perekonomian dan kegiatan including banking. The Bank continues to monitor the impact
industri, termasuk perbankan. Bank masih terus memantau that might result from the outbreak, as well as its effects on the
dampak yang mungkin ditimbulkan dari wabah tersebut, serta operational activities and results. The Bank has implemented a
pengaruhnya terhadap kegiatan dan hasil operasional. Bank telah Business Continuity Plan in accordance with OJK Guidelines and
melaksanakan Rencana Kelangsungan Bisnis yang sesuai dengan global best practices. The RBB for 2020 has also been adjusted
Pedoman OJK dan praktik terbaik secara global. RBB untuk tahun to the latest condition, and has been equipped with appropriate
2020 juga telah disesuaikan dengan kondisi termutakhir saat ini, strategies in order to minimize the potential risks that may arise.
serta telah dilengkapi dengan strategi yang sesuai agar dapat
meminimalkan risiko potensial yang mungkin timbul.
Tata Kelola Perusahaan Good Corporate Governance

Bank terus mengupayakan peningkatan kualitas tata kelola The Bank continues to strive to improve the corporate governance
perusahaan, baik secara individual maupun terintegrasi dengan quality, both individually and in an integrated manner with
Grup Victoria. Upaya ini diwujudkan melalui tindak lanjut temuan dan Victoria Group. This effort was realized through following up on
rekomendasi hasil self-assessment GCG, serta hasil audit internal the findings and recommendations of the GCG self-assessment
dan eksternal. Secara berkala, Bank menerapkan hasil benchmarking results, as well as the results of internal and external audits.
tentang praktik terbaik implementasi GCG di industri perbankan. Periodically, the Bank implements benchmarking results on best
practices in implementing GCG in the banking industry.
Peningkatan kualitas implementasi GCG ini memberikan manfaat Improvement of GCG implementation quality provides benefits
bagi Bank. Tingkat kesehatan Bank berada pada kategori “Baik” dan for the Bank. The Bank’s sound level is in “Good” category and
tingkat risiko komposit berada pada kategori “Low to Moderate”. the composite risk level is in “Low to Moderate” category. The
Struktur permodalan Bank juga tetap solid dan kokoh dengan Bank’s capital structure also remains solid and robust with
kinerja keuangan yang masih terkendali. Untuk memaksimalkan controlled financial performance. To maximize GCG control, the
pengendalian GCG tersebut, manajemen Bank mengelola laporan Bank’s Management manages the violation report and monitors
pelanggaran serta memantau proses tindak lanjut sampai dengan the follow-up process until settlement so that the handling is
penyelesaiannya agar penanganannya maksimal dan efektif dalam maximum and effective in suppressing violations that may occur.
menekan pelanggaran yang mungkin terjadi.
Seluruh pelaksanaan GCG tersebut melibatkan organ tata kelola di The entire GCG implementation involves governance organs at
tingkat Dewan Komisaris dan Direksi secara penuh, sampai kepada the level of Board of Commissioners and Board of Directors in
organ pendukung masing-masing. Organ pendukung Direksi juga full, to the respective supporting organs. Supporting organs
menjalankan koordinasi secara intensif dengan organ pendukung of the Board of Directors also carry out intensive coordination
Dewan Komisaris agar proses pengawasan dan pengelolaan Bank with organs supporting the Board of Commissioners so that the
dapat berjalan sinergis. Direksi memandang bahwa kinerja komite process of supervision and management of the Bank can run in
dan organ pendukung di bawah Direksi telah melaksanakan tugas synergy. The Board of Directors considers that the performance
dan tanggung jawab secara penuh dan efektif dalam membantu of committees and supporting organs under the Board of
Direksi untuk mengambil keputusan melalui pertimbangan yang Directors, which have carried out their duties and responsibilities
relevan dan strategis. fully and effectively, has assisted the Board of Directors in making
decisions through relevant and strategic considerations.

Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility

Dalam rangka mempertanggungjawabkan dampak dari In order to account for the impact of corporate decisions
keputusan dan kegiatan perusahaan bagi masyarakat dan and activities on community and the environment, to respect
lingkungan, menghargai dan mempertimbangkan harapan and consider stakeholder expectations, and to contribute to
pemangku kepentingan, serta memberikan kontribusi terhadap sustainable development, the Bank performs corporate social
pembangunan berkelanjutan, maka Bank melaksanakan inisiatif responsibility initiatives. The CSR initiatives are carried out in
tanggung jawab sosial perusahaan. Inisiatif CSR ini dilaksanakan accordance with ISO 26000 on Guidance Standards on Social
sesuai dengan ISO 26000 tentang Guidance Standard on Social Responsibility. Furthermore, the Bank has also developed
Responsibility. Lebih lanjut, Bank juga telah mengembangkan sustainable finance initiatives in accordance with OJK
inisiatif keuangan berkelanjutan sesuai dengan Peraturan OJK Regulations and best practices implemented in the banking
serta penerapan terbaik yang dilaksanakan di industri perbankan industry to improve the implementation quality of social and
untuk meningkatkan kualitas implementasi tanggung jawab environmental responsibility in the following years. The drafting
sosial dan lingkungan di tahun selanjutnya. Penyusunan inisiatif of Sustainable Finance Action Plan (RAKB) initiative involves third
Rencana Aksi Keuangan Berkelanjutan (RAKB) melibatkan pihak party to provide professional perspective and alternative best
ketiga untuk memberikan pandangan profesional dan alternatif practices in accordance with the Bank’s complexity.
penerapan terbaik yang sesuai dengan kompleksitas Bank.
Perubahan Komposisi Direksi Changes in Composition of Board of

Directors
Pada 31 Januari 2019, Bapak Ramon Marlon Runtu yang sebelumnya On 31 January 2019, Mr. Ramon Marlon Runtu, who previously
menjabat sebagai Direktur Kredit telah mengundurkan diri. served as Director of Credit, resigned. Furthermore, the Annual
Selanjutnya, RUPS Tahunan yang diselenggarakan tanggal 10 Mei GMS held on 10 May 2019 adopted resolution to reappoint other
2019 memutuskan untuk mengangkat kembali anggota Direksi members of Board of Directors for a term of office until the closing
lainnya untuk masa jabatan sampai dengan penutupan RUPS of the Bank's AGMS held in 2022. Therefore, the composition of
Tahunan Bank yang diadakan pada tahun 2022. Dengan demikian, the Bank’s Board of Directors is as follows.
susunan keanggotaan Direksi Bank sebagai berikut.
Direktur Utama : Ahmad Fajar President Director : Ahmad Fajar
Wakil Direktur Utama : Rusli Deputy President Director : Rusli
Direktur : Lembing Director : Lembing
Direktur : Debora Wahjutirto Tanoyo Director : Debora Wahjutirto Tanoyo
Direktur Kepatuhan : Tamunan Director of Compliance : Tamunan
dan Manajemen Risiko and Risk Management
Penutup Closing
Melalui Laporan Tahunan ini, kami menyampaikan terima kasih Through this Annual Report, we would like to thank the
kepada Pemegang Saham atas kepercayaan dan dukungan yang Shareholders for the trust and support given to the Board of
diberikan kepada Direksi untuk terus melaksanakan pengelolaan Directors to keep managing the Company as well as to the Bank
perusahaan serta kepada Bank untuk mempertahankan to maintain solid growth amid the challenges of the economy
pertumbuhan yang solid di tengah tantangan ekonomi dan and banking industry. We would also like to thank the Board
industri perbankan. Terima kasih juga kami sampaikan kepada of Commissioners and all of the Bank’s personnel who have
Dewan Komisaris dan seluruh insan Bank yang telah memberikan given their support, energy, and time to advance the Bank.
dukungan tenaga, pikiran dan waktu untuk memajukan Bank. We also appreciate all other stakeholders for their trust and
Kami juga mengapresiasi seluruh pemangku kepentingan lainnya good cooperation until now. The Board of Directors expects to
atas kepercayaan dan kerja sama yang baik selama ini. Direksi continue to increase the benefits received by Shareholders and
berharap dapat terus meningkatkan manfaat yang diterima oleh stakeholders in line with the continued existence of the Bank in
Pemegang Saham dan pemangku kepentingan seiring dengan Indonesia.
berlanjutnya eksistensi Bank di Indonesia.
Jakarta, Mei 2019
Jakarta, May 2019
Atas nama Direksi PT Bank Victoria International Tbk

On behalf of the Board of Directors PT Bank Victoria International Tbk
Ahmad Fajar
Direktur Utama
President Director

Direksi
// Board of Directors
Dari kiri ke kanan / From left to right:
Lembing Ahmad Fajar Debora Wahjutirto Rusli Tamunan

Direktur Bisnis Direktur Utama Tanoyo Wakil Direktur Utama Direktur Kepatuhan dan
Director of Business President Director Direktur Keuangan Deputy President Manajemen Risiko
Director of Finance Director Director of Compliance
and Risk Management

Tanggung Jawab Laporan Tahunan
// Statement of Accountability of Annual Report
Surat Pernyataan Anggota Dewan Komisaris tentang Tanggung Jawab

atas Laporan Tahunan 2019 PT Bank Victoria International Tbk
Statement of Members of the Board of Commissioners on the Responsibility
for the 2019 Annual Report of PT Bank Victoria International Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that the 2019 Annual
semua informasi dalam Laporan Tahunan PT Bank Victoria Report of PT Bank Victoria International Tbk contains complete
International Tbk tahun 2019 telah dimuat secara lengkap dan information. We shall be fully responsible for the correctness
bertanggung jawab penuh atas kebenaran isi Laporan Tahunan of the Company’s Annual Report content.
Perseroan.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 26 Mei 2020

Jakarta, 26 May 2020
Dewan Komisaris
Board of Commissioners
Oliver Simorangkir
Komisaris Utama
Gunawan Tenggarahardja Zaenal Abidin, PhD

Komisaris / Komisaris Independen Komisaris / Komisaris Independen
Commissioner / Independent Commissioner Commissioner / Independent Commissioner
Surat Pernyataan Anggota Direksi tentang Tanggung Jawab
atas Laporan Tahunan 2019 PT Bank Victoria International Tbk
Statement of Members of the Board of Directors on the Responsibility
for the 2019 Annual Report of PT Bank Victoria International Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that the 2019 Annual
semua informasi dalam Laporan Tahunan PT Bank Victoria Report of PT Bank Victoria International Tbk contains complete
International Tbk tahun 2019 telah dimuat secara lengkap dan information. We shall be fully responsible for the correctness
bertanggung jawab penuh atas kebenaran isi Laporan Tahunan of the Company’s Annual Report content.
Perseroan.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 26 Mei 2020

Jakarta, 26 May 2020
Direksi
Board of Directors
Ahmad Fajar Rusli

Direktur Utama Wakil Direktur Utama
President Director Deputy President Director
Tamunan Lembing Debora Wahjutirto Tanoyo

Direktur Kepatuhan dan Manajemen Risiko Direktur Bisnis Direktur Keuangan
Director of Compliance and Risk Management Director of Business Director of Finance
* Pada tanggal penerbitan Laporan Tahunan ini, Bapak Ramon Marlon Runtu yang menjabat sebagai Direktur Kredit telah mengundurkan diri efektif per tanggal 31 Januari 2019,
sehingga pernyataan tanggung jawab untuk Direktur yang bersangkutan tidak dicantumkan dalam halaman ini.
* On the publication date of this Annual Report, Mr. Ramon Marlon Runtu, who served as Director of Credit, resigned from his position effective on 31 January 2019,
thus, the statement of accountability for the relevant Director is not included on this page.
Profil
Perusahaan
Company Profile
Bank Victoria terus mengupayakan Visi

“menjadi bank pilihan nasabah yang terpercaya,
sehat dan efisien, dan mendukung pertumbuhan
berkelanjutan”.
Bank Victoria continues to strive for Vision “to become the customers’
preferred bank, which is trustworthy, sound, efficient, and supports
sustainable growth.”


Identitas Perusahaan
// Corporate Identity

Nama/ Name:
PT Bank Victoria International Tbk
Alamat/ Address: Modal Dasar/ Authorized Capital:

Graha BIP Building 10th Floor Rp1,400,000,000,000,-
Jl. Gatot Subroto Kav. 23
Jakarta Selatan, 12930 Indonesia Modal Ditempatkan dan Disetor Penuh/ Subscribed and
T : (021) 522 8888 Fully Paid-Up Capital:
F : (021) 522 8777 Rp895,194,703,900,-
E : corsec@victoriabank.co.id
W : www.victoriabank.co.id Jaringan Kantor/ Office Network:
1 Kantor Pusat/ Head Office
Dasar Hukum/ Legal Basis:
14 Kantor Cabang/ Branch Offices
Didirikan dengan nama PT Bank Victoria berdasarkan Akta 63 Kantor Cabang Pembantu/ Sub-branch Offices
Perseroan Terbatas No. 71 tanggal 28 Oktober 1992 oleh Notaris 8 Jaringan Kantor Lain (Kantor Kas, Payment Point, dan
Amrul Partomuan Pohan, SH, LLM. lainnya)/ Other Office Network (Cash Office, Payment
Incorporated under the name PT Bank Victoria based on Deed Point, and others)
of Limited Liability Company No. 71 dated 28 October 1992 made
before Notary Amrul Partomuan Pohan, SH, LLM.
Total Karyawan/ Total Employees:
Tanggal Pendirian/ Date of Incorporation: Pria/ Male : 496 orang/ people
28 Oktober 1992 Wanita/ Female : 518 orang/ people
28 October 1992
Sosial Media/ Social Media:
Lembaga Pencatatan Saham/ Instagram : @bankvictoria
Registration and Trading Institution: Youtube : Bank Victoria
Bursa Efek Indonesia/ Indonesia Stock Exchange Facebook : BankVictoriaID
Jakarta Stock Exchange Building Tower LinkedIn : PT Bank Victoria International Tbk
Jl. Jenderal Sudirman Kav. 52 – 53 Jakarta, 12190
Entitas Anak/ Subsidiary:
Kode Saham/ Share Code: PT Bank Victoria Syariah
BVIC Gedung Graha BIP Lt. 5
Jl. Gatot Subroto Kav. 23 Kel. Karet Semanggi
Tanggal Pencatatan Saham/ Share Listing Date: Kec. Setiabudi Jakarta Selatan, 12930
30 Juni 1989
30 June 1989
Catatan/ Note:
Kepemilikan Saham/ Share Ownership: Bank tidak melakukan perubahan nama pada tahun 2019.
The Bank did not change its name in 2019.
23
.39
%
46.29%
4.42%
2%
8.7
%
17.18
PT Victoria Investama Tbk

Suzanna Tanojo
Deutsche Investitions-und Entwicklungsgesellschaft mbH
PT Nata Patindo
Masyarakat (masing-masing di bawah 5%)/
Public (each under 5%)

Riwayat Singkat
// Brief History
“Perjalanan Bank Victoria dalam mencapai Visi dan Misi disertai dengan peningkatan kualitas
pengelolaan perusahaan dan pelayanan kepada nasabah, serta pemenuhan kewajiban kepada
seluruh pemangku kepentingan secara konsisten dan bertanggung jawab.”
“Bank Victoria’s journey in achieving its Vision and Mission is accompanied by improving
the company management quality and services to customers, and fulfilling obligations to all
stakeholders consistently and responsibly.”
PT Bank Victoria International Tbk (selanjutnya disebut Bank PT Bank Victoria International Tbk (hereinafter referred to as
Victoria atau Bank) merupakan salah satu perbankan komersial Bank Victoria or the Bank) is one of the commercial banking in
di Indonesia yang telah berdiri selama lebih dari 27 tahun. Bank Indonesia that has established for more than 27 years. The Bank
pertama kali didirikan dengan nama PT Bank Victoria berdasarkan was first incorporated under the name PT Bank Victoria based on
Akta Perseroan Terbatas No. 71 tanggal 28 Oktober 1992 yang Deed of Limited Liability Company No. 71 dated 28 October 1992,
dibuat dihadapan Notaris Amrul Partomuan Pohan, SH, LLM. made before Notary Amrul Partomuan Pohan, SH, LLM.
Nama Bank Victoria kemudian berubah menjadi PT Bank Victoria The name Bank Victoria was then changed into PT Bank Victoria
International berdasarkan Akta Pembetulan No. 30 tanggal 8 Juni International based on Deed of Amendment No. 30 dated 8 June
1993 yang juga dibuat dihadapan Notaris Amrul Partomuan Pohan, 1993, also made before Notary Amrul Partomuan Pohan, SH, LLM.
SH, LLM. Akta perubahan nama tersebut telah mendapatkan The Deed of Amendment of name has been ratified by the Minister
pengesahan dari Menteri Hukum dan Hak Asasi Manusia berdasarkan of Law and Human Rights based on the Decree No. C2-4903.
Surat Keputusan No. C2-4903. HT.01.01.Th.93 tertanggal 19 Juni 1993 HT.01.01.Th.93 dated 19 June 1993, and has been registered at
dan telah didaftarkan pada Kepaniteraan Pengadilan Negeri Jakarta the Clerk Office of District Court of North Jakarta under No. 342/
Utara di bawah No. 342/Leg/1993 pada tanggal 29 Juni 1993, serta Leg/1993 dated 29 June 1993, and has been announced in Official
telah diumumkan dalam Berita Negara Republik Indonesia No. 39 Gazette of the Republic of Indonesia No. 39 dated 15 May 1998 and
tanggal 15 Mei 1998 dan Tambahan No. 2602. Supplement No. 2602.
Bank Victoria secara komersial memulai kegiatan operasional Bank Victoria officially started operating as a commercial bank on
pada 5 Oktober 1994 setelah memperoleh izin usaha sebagai bank 5 October 1994 after obtaining business license as a commercial
umum berdasarkan Surat Keputusan Menteri Keuangan Republik bank based on Decree of Minister of Finance of Republic of
Indonesia No. 402/KMK.017/1994 tanggal 10 Agustus 1994. Pada Indonesia No. 402/KMK.017/1994 dated 10 August 1994. In 1997,
tahun 1997, Bank Victoria memperluas portofolio layanan dengan Bank Victoria expanded its services portfolio by trading foreign
memperdagangkan valuta asing setelah memperoleh ijin dari Bank exchange after obtaining a license from Bank Indonesia based
Indonesia berdasarkan Surat Izin No. 029/126/UOPM pada tanggal 25 on Permit Letter No. 029/126/UOPM on 25 March 1997 which has
Maret 1997 yang telah diperpanjang melalui Surat No. 5/6/KEP.Dir. been extended based on Letter No. 5/6/KEP.Dir.PIP/2003 dated
PIP/2003 pada tanggal 24 Desember 2003, serta telah memperoleh 24 December 2003, after obtaining statement of re-registration
pernyataan pencatatan pendaftaran ulang dari Bank Indonesia recording from Bank Indonesia based on Letter No. 10/365/DPIP/
berdasarkan Surat No. 10/365/DPIP/Prz tanggal 8 April 2008. Prz dated 8 April 2008.
Pada tahun 1999, Bank Victoria menjadi perusahaan terbuka In 1999, Bank Victoria became a public company by listing its
dengan mencatatkan sahamnya di Bursa Efek Jakarta dan Bursa shares on Jakarta Stock Exchange and Surabaya Stock Exchange
Efek Surabaya (sekarang Bursa Efek Indonesia). Sejak saat (now Indonesian Stock Exchange). Since then, the Bank has
itu, Bank aktif melaksanakan berbagai aksi korporasi, seperti actively conducted various corporate actions, such as limited
penawaran umum terbatas dan penerbitan obligasi. Sampai public offering and bond issuance. Until the end of 2019, the
dengan akhir tahun 2019, total saham Bank yang beredar sebanyak Bank’s total outstanding shares was 8,951,947,039 shares with the
8.951.947.039 lembar saham dengan nilai modal yang ditempatkan issued and paid up capital of Rp895,194,703,900.
dan disetor penuh sebesar Rp895.194.703.900,-.
Pada tahun 2007, Bank Victoria mengakuisisi 99,80% saham Bank In 2007, Victoria Bank acquired 99.80% shares of Bank Swaguna.
Swaguna. Akuisisi ini menjadikan Bank Swaguna sebagai Entitas This acquisition makes Bank Swaguna a subsidiary of Bank
Anak Bank Victoria. Bank Swaguna kemudian berubah nama Victoria. Bank Swaguna later changed its name to PT Bank
menjadi PT Bank Victoria Syariah pada 6 Agustus 2009 dan mulai Victoria Syariah on 6 August 2009 and started its commercial
melakukan kegiatan usaha bank umum dengan prinsip syariah sejak bank business activities with sharia principles on 1 April 2010,
1 April 2010, setelah memperoleh izin dari Bank Indonesia. after obtaining license from Bank Indonesia.

Pada tahun 2017, Bank Victoria kembali memperluas portofolio In 2017, Bank Victoria re-expanded its service portfolio by
layanan dengan melaksanakan kegiatan usaha dalam valuta asing conducting business activities in foreign currency after obtaining
setelah memperoleh izin dari Dewan Komisioner Otoritas Jasa license from the Board of Commissioners of the Financial
Keuangan melalui Surat Keputusan No. KEP-114/D.03/2016 tanggal Services Authority through its Decree No. KEP- 114/D.03/2016
8 Desember 2016. Dengan diperolehnya izin tersebut, maka Bank dated 8 December 2016. By obtaining the license, Bank Victoria
Victoria secara resmi menjadi bank devisa di kelompok usaha BUKU officially became a foreign exchange bank in the business group
II. Adapun layanan transaksi dalam valuta asing yang disediakan of BUKU II. The transaction services in foreign currency provided
Bank meliputi transaksi pengiriman uang (remittance), perdagangan by the Bank include remittance transactions, international trade
international (trade finance), treasury dan layanan interbank lainnya. (trade finance), treasury, and other interbank services.
Anggaran Dasar Bank telah mengalami beberapa kali perubahan. The Bank’s Articles of Association have been amended several
Perubahan terakhir Anggaran Dasar dengan Akta No. 71 tanggal times. The last amendment of the Articles of Association was based
27 Juni 2019 yang dibuat dihadapan Fathiah Helmi, SH, Notaris on Deed No. 71 dated 27 June 2019, made before Fathiah Helmi, SH,
di Jakarta. Penerimaan dan pemberitahuan perubahan Anggaran a Notary in Jakarta. The receipt and notification of amendment to
Dasar tersebut telah diterima dan dicatat dalam database Sistem the Articles of Association has been accepted and recorded in the
Administrasi Badan Hukum Kementerian Hukum dan Hak Asasi database of Legal Entities Administration System of the Ministry
Manusia Republik Indonesia No. AHU-AH.01.03-0291476 tanggal of Law and Human Rights of the Republic of Indonesia No. AHU-
27 Juni 2019. AH.01.03-0291476 dated 27 June 2019.
Dalam upaya untuk men-delivery berbagai produk consumer In an effort to deliver various consumer banking products and
banking dan layanan institusional bagi masyarakat, Bank Victoria institutional services to the community, Bank Victoria already has
telah memiliki 86 jaringan kantor, yang terdiri dari 1 (satu) kantor 86 office networks, consisting of 1 (one) head office, 14 branch
pusat, 14 kantor cabang, 63 kantor cabang pembantu, dan offices, 63 sub-branch offices, and 8 (eight) cash offices spread
8 (delapan) kantor kas yang tersebar di wilayah Jabodetabek, over the regions of Jabodetabek, Java, Bali, Sumatera, and
Jawa, Bali, Sumatera, dan Sulawesi. Bank Victoria juga senantiasa Sulawesi. Bank Victoria also continues to innovate to meet the
melakukan berbagai inovasi dalam memenuhi kebutuhan para needs of its customers, among others by issuing Bank Victoria’s
nasabah, antara lain dengan menerbitkan Kartu ATM Bank ATM Card that can be used on more than than 120 thousand ATMs
Victoria yang dapat digunakan pada lebih dari 120 ribu ATM bank of Prima Network’s participating banks and customers can make
peserta Jaringan Prima dan nasabah dapat bertransaksi di semua transactions at all EDC machines throughout Indonesia. In addition,
mesin EDC bank seluruh Indonesia. Selain itu, Bank Victoria juga Bank Victoria also provides Internet Banking and Mobile Banking
menyediakan layanan internet banking dan mobile banking yang services aimed at providing convenience for the Bank’s customers
ditujukan untuk memberikan kemudahan bagi nasabah Bank in making their banking transactions in the digital era.
dalam melakukan transaksi perbankannya di era digital.
Seiring dengan upaya untuk terus memperbaiki pengelolaan risiko Along with the efforts to continue to improve risk management and
dan keuangan, Bank Victoria senantiasa mengembangkan sumber finance, Bank Victoria continues to develop professional human
daya manusia yang profesional dan memiliki loyalitas tinggi pada resources who have high loyalty to the Company. In addition, the
perusahaan. Selain itu, Bank senantiasa mengimplementasikan Bank always implements GCG principles in individual and integrated
prinsip GCG dalam kegiatan usaha individual maupun terintegrasi business activities with the Victoria Group, accompanied by
dengan Grup Victoria, disertai pengembangan teknologi informasi the gradual development of information technology and office
dan jaringan kantor secara bertahap. Dengan pengelolaan dan networks. With its management and business development that
perkembangan usaha yang semakin membaik dari tahun ke is getting better from year to year, in 2019, Bank Victoria received
tahun, pada tahun 2019, Bank Victoria kembali mendapatkan another recognition and award in the areas of corporate governance
pengakuan dan penghargaan di bidang tata kelola perusahaan and risk management, marketing, banking digitalization, and
dan manajemen risiko, pemasaran, digitalisasi perbankan, serta financial services.
layanan jasa keuangan.
Perubahan Nama Changes of Name
PT Bank Victoria PT Bank Victoria International

28 Oktober 1992 8 Juni 1993
28 October 1992 8 June 1993

Jejak Langkah
// Milestones
1992 2000 2007

Didirikan di Jakarta dengan nama Bank melakukan penawaran umum Bank Victoria mengakuisisi PT Bank
PT Bank Victoria pada tanggal 28 terbatas (PUT) I sejumlah 614.000.000 Swaguna sebagai Entitas Anak.
Oktober 1992. lembar saham dengan nilai nominal
Bank Victoria acquired PT Bank
Established in Jakarta under the name sebesar Rp100,- per saham dengan
Swaguna as a Subsidiary.
PT Bank Victoria on 28 October 1992. harga yang ditawarkan sebesar
Rp115,- per saham dan sejumlah
85.960.000 Waran Seri II pada tanggal
2008
28 September 2000.
The Bank conducted a limited public
offering (LPO) I of 614,000,000 shares Bank melakukan PUT IV sejumlah
1994 with a nominal value of Rp100 per

share offered at Rp115 per share and
85,960,000 Series II Warrants on 28
1.167.498.560 lembar saham dengan
nilai nominal dan harga yang
Memulai operasi sebagai Bank Umum ditawarkan sebesar Rp100,- per saham
secara komersial berdasarkan ijin dari September 2000. dan sejumlah 630.449.220 Waran Seri
Menteri Keuangan Republik Indonesia V pada tanggal 11 Juli 2008.
pada tanggal 5 Oktober 1994.
The Bank conducted a LPO IV of
Started its operations as the 1,167,498,560 shares with both
Commercial Bank based on the license
from the Finance Minister of the
Republic of Indonesia on 5 October 1994.
2003 nominal value and offer price of Rp100
per share and 630,449,220 Series V
Bank melakukan PUT II sejumlah Warrants on 11 July 2008.
705.243.360 lembar saham dengan
nilai nominal dan harga yang
ditawarkan sebesar Rp100,- per saham
dan sejumlah 423.146.016 Waran Seri
2010
III pada tanggal 20 Maret 2003.
1997 The Bank conducted a LPO II of

705,243,360 shares with both nominal Perubahan nama Entitas Anak Bank
Memperoleh ijin dari Bank Indonesia value and offer price of Rp100 per Victoria dari PT Bank Swaguna
untuk beroperasi sebagai Pedagang share and 423,146,016 Series III menjadi PT Bank Victoria Syariah pada
Valuta Asing pada tanggal 25 Mei 1997. Warrants on 20 March 2003. tanggal 19 Januari 2010.
Obtained Foreign Exchange License The change of name of the Subsidiary
from Bank Indonesia to operate as of Bank Victoria from PT Bank
the Foreign Exchange Trader on 25 Swaguna to PT Bank Victoria Syariah
2006
May 1997. on 19 January 2010.
Melakukan PUT III sejumlah

670.363.760 lembar saham dengan
nilai nominal Rp100,- per saham
1999 dengan harga yang ditawarkan

sebesar Rp115,- per saham dan 2011
• Bank Victoria menjadi perusahaan sejumlah 469.277.676 Waran Seri IV
publik (listed company) dengan pada tanggal 13 Juli 2006. Melakukan PUT V sejumlah 1.954.919.259
melakukan penawaran umum lembar saham dengan nilai nominal dan
saham perdana (initial public The Bank conducted a LPO III of harga yang ditawarkan sebesar Rp100,-
offering) sejumlah 250.000.000 670,363,760 shares with a nominal per saham dan sejumlah 1.448.939.990
lembar saham dengan nilai nominal value of Rp100 per share offered at Waran Seri VI pada 4 Juli 2011.
Rp100,- per saham dan sejumlah Rp115 per share and 469,277,676 Series
Conducted Limited Public Offering
80.000.000 Waran Seri I pada IV Warrants on 13 July 2006.
(PUT) V for a total of 1,954,919,259
tanggal 4 Juni 1999.
shares with nominal value and offering
• Bank Victoria became a publicly price of Rp100 per share and a total of
listed company by conducting 1,448,939,990 Series VI Warrants on
an initial public offering of 4 July 2011.
250,000,000 shares with a nominal
value of Rp100 per share and
80,000,000 Series I Warrants on 4
June 1999.

2016
• Pada tanggal 13 Desember 2016, •
2018
Memperluas jaringan kantor
2019
dengan membuka kantor cabang
Bank Victoria telah memperoleh
di Semarang, Jawa Tengah, dan di
• Melakukan Penambahan
izin operasional sebagai Bank
Devisa berdasarkan Surat Kepala Makassar, Sulawesi Selatan. Modal Tanpa Hak
Departemen Perizinan dan • Expanding the office network Memesan Efek Terlebih
Informasi Perbankan Otoritas Jasa by opening branch offices in Dahulu (PMTHMETD)
Keuangan No. S-423/PB.12/2016. Semarang, Central Java, and in
• Dengan menjadi bank devisa, Bank Makassar, South Sulawesi. sejumlah 280.898.877
Victoria memberikan layanan lembar saham oleh PT
transaksi dalam valuta asing yang Victoria Investama Tbk
meliputi transaksi pengiriman
uang (remittance), perdagangan dan PT Nata Patindo.
international (trade finance),
treasury serta layanan interbank
• Memperluas jaringan
lainnya. kantor dengan
• Melakukan Penambahan Modal membuka kantor
Tanpa Hak Memesan Efek Terlebih
Dahulu (PMTHMETD) sebesar 9%
cabang di Solo, Jawa
oleh Deutsche Investitions-und Tengah, dan Medan,
Entwicklungsgesellschaft mbH. Sumatera Utara.
• On 13 December 2016, Bank Victoria
obtained an operational license • Increasing Capital
as a Foreign Exchange Bank in Without Preemptive
accordance with the Letter from
the Department Head of Licensing Rights (PMTHMETD) of
and Banking Information of 280,898,877 shares of
Financial Services Authority No.
S-423/PB.12/2016.
PT Victoria Investama
• By becoming a Foreign Exchange
Tbk and PT Nata
Bank, Bank Victoria provides Patindo.
transaction services in foreign
currencies including remittance,
• Expanding the office
trade finance, treasury, and other network by opening
interbank services. branch offices in Solo,
• Conducting Capital Addition Central Java, and
Without Preemptive Rights
(PMTHMETD) of 9.00% by Medan, North Sumatera.
Deutsche Investitions-Und
Entwicklungsgesellschaft Mbh.

Filosofi Logo
// Logo Philosophy
Logo Bank Victoria merupakan sebuah simbol yang Bank Victoria’s logo is a symbol that illustrates the
menggambarkan kekuatan karakter perusahaan secara strength of the Company’s character as a whole and clear.
utuh dan jelas. Logo Bank Victoria terinspirasi dari Bank Victoria’s Logo was inspired by a better and thorough
perkembangan yang lebih baik dan menyeluruh yang development performed by Bank Victoria, as well as the
dilakukan oleh Bank Victoria, serta kepercayaan yang beliefs that have been embedded since the beginning that
telah ditanamkan sejak dulu yang pada akhirnya mulai eventually showing results.
menunjukkan hasil.
Bentuk logo “titik” di bagian bawah merupakan simbol

dari kepercayaan yang telah mengakar dan dipupuk terus
menerus. Sedangkan, bentuk logo huruf V yang diatasnya
terdapat mahkota dengan tiga lengkungan di setiap
sudutnya merupakan penggambaran pada pertumbuhan
yang dicapai melalui manajemen yang pruden, sentuhan
layanan pribadi, dan pengembangan produk inovatif.
The shape of “point” at below of the Logo is a symbol of

trust that has been rooted and nurtured continuously.
While the logo shape of the letter V which is topped with
a crown with three arches in each corner illustrates the
growth achieved through prudent management, a touch
of personal service, and innovative product development.

Visi dan Misi Perusahaan

// Company’s Vision and Mission
Visi dan Misi Bank Victoria sebagaimana telah disetujui oleh Vision and Missions of Bank Victoria as approved by the Board of
Dewan Komisaris dan Direksi bersamaan dengan persetujuan Commissioners and Board of Directors in conjunction with the
Rencana Bisnis Bank Periode Tahun 2020-2022 berdasarkan approval of the Bank Business Plan for the Period of 2020-2022
Surat Keputusan Direksi No. 002/SK-DIR/10/19 tanggal 11 Oktober based on the Board of Directors’ Decision Letter No. 002/SK-
2019 yang ditunjukkan dalam skema berikut. DIR/10/19 dated 11 October 2019 are shown in the following scheme.
VISI
VISION
“Menjadi bank pilihan nasabah yang terpercaya,
sehat dan efisien, dan mendukung pertumbuhan berkelanjutan”
“To become the customers’ preferred bank, which is trustworthy,
sound, efficient, and supports sustainable growth.”
MISI
MISSION
Risk
Customers People Operations Management
Senantiasa Mengembangkan Menjalankan Mengimplementasikan
berupaya sumber daya operasional proses manajemen
memenuhi manusia yang perbankan risiko secara prudent
kebutuhan nasabah, profesional, yang ramah serta konsisten tanpa
membina hubungan berprinsip dan lingkungan dengan mengabaikan prinsip-
yang baik dengan berdedikasi untuk menerapkan prinsip prinsip kehatian-
nasabah serta memberikan kehati-hatian hatian, tata kelola
memberi layanan layanan serta secara efisien dan Bank dan keuangan
berkelanjutan
yang terbaik kepada memenuhi berkesinambungan.
(sustainability finance).
para nasabah. kebutuhan nasabah. Conduct
Implement a prudent
Always attempt to Develop environmentally-
and consistent risk
fulfill the customers’ professional, friendly banking management process,
needs, to develop principled, and operations by without ignoring the
good relationship dedicated human applying prudent principles of prudence,
with the customers, resources to principles Bank governance, and
as well as to provide provide services efficiently and sustainable finance.
the best services for and fulfill the continually.
the customers. customers’ needs.
NILAI-NILAI BUDAYA PERUSAHAAN (D A H S Y A T)

Corporate Values (D A H S Y A T)
D iscipline - A ccountable - Honest - S ustainable - Youthful - A ccurate - Trusted
CAR LFR NPL BOPO

“Menjadi Bank pilihan Nasabah yang terpercaya, sehat,

efisien, dan mendukung pertumbuhan berkelanjutan.”
“To become the Customers’ preferred Bank, which is
trustworthy, sound, efficient, and supports sustainable growth.”
VISI
VISION Visi tersebut mengandung makna penting
sebagai berikut.
The vision contains important meaning as
follows.
• Pilihan Nasabah: Bank Victoria dikenal, • Customers’ Preferred: Bank Victoria

dipercaya serta menjadi pilihan is recognized, trusted, and preferred
nasabah untuk memenuhi kebutuhan by customers to fulfill their needs
nasabah dalam mendapatkan produk in obtaining banking products and
dan layanan perbankan. services.
• Terpercaya: Bank Victoria berkomitmen • Trustworthy: Bank Victoria is

menjadi bank yang bisa memberikan committed to be the bank that
rasa aman dan kepastian bagi para can provide security and certainty
nasabah, karyawan, pemegang saham to the customers, human capital,
dan stakeholders lainnya. Shareholders, and other stakeholders.
• Sehat dan Efisien: Bank Victoria • Sound and Efficient: Bank Victoria
mempunyai struktur modal yang kuat, has strong capital structure, sound
kondisi keuangan yang sehat, serta financial condition, and is supported
didukung oleh operasional perbankan by efficient banking operation.
yang efisien.
• Mendukung Pertumbuhan Berkelanjutan: • Support Sustainable Growth: Bank

Bank Victoria senantiasa memperhatikan Victoria always pays attention to
pembangunan yang mengedepankan developments that prioritize aspects
aspek manusia (people), lingkungan of people, environment (planet), and
(planet) dan nilai bagi pemangku value for stakeholders (profit).
kepentingan (profit).
Dengan demikian, diharapkan Bank Victoria Therefore, it is expected that Bank Victoria
dapat menjadi bank pilihan nasabah yang can be the customers’ preferred bank that
dapat dipercaya oleh nasabah, karyawan, is trusted by its customers, employees,
pihak regulator, kalangan perbankan, baik regulators, banking communities, either
nasional maupun internasional, business national or international level, business
partner, dan stakeholders lainnya, serta partners, and other stakeholders, as well
memiliki struktur modal yang kuat, kondisi as have strong capital structure, sound
keuangan yang sehat, dan didukung oleh financial conditions, and is supported by
operasional perbankan yang efisien, yang efficient banking operation, which always
senantiasa mendukung pertumbuhan dengan supports growth by promoting the aspects
mengedepankan aspek manusia, lingkungan of human, environment, and value for the
dan nilai bagi pemangku kepentingan. stakeholders.

MISI
MISSION
Bank Victoria menjabarkan misinya dengan Bank Victoria explains its missions by
menggunakan pendekatan pada 4 (empat) using an approach to 4 (four) groups that
kelompok yang berkaitan langsung dengan are directly related to the implementation
pelaksanaan aktivitas operasionalnya, yaitu: of its operational activities, which are:
Customers
Customers
Senantiasa berupaya memenuhi kebutuhan nasabah, membina hubungan yang baik dengan nasabah, serta
memberi layanan yang terbaik kepada para nasabah.
Always attempt to fulfill the customers’ needs, to develop good relationship with the customers, as well as
to provide the best services for the customers.
People
People
Mengembangkan sumber daya manusia yang profesional, berprinsip dan berdedikasi untuk memberikan
layanan serta memenuhi kebutuhan nasabah.
Develop professional, principled, and dedicated human resources to provide services and fulfill the
customers’ needs.
Operations
Operations
Menjalankan operasional perbankan dengan menerapkan prinsip kehati-hatian secara efisien dan
berkesinambungan.
Conduct banking operation by applying prudent principles efficiently and continually.
Risk Management
Risk Management
Mengimplementasikan proses manajemen risiko secara prudent dan konsisten, tanpa mengabaikan prinsip-
prinsip kehatian-hatian, tata kelola Bank dan keuangan berkelanjutan (sustainable finance).
Implement risk and finance management in a prudent manner, and consistently and continually implement
Good Corporate Governance principles.
Review Visi dan Misi oleh Review of Vision and Mission by the Board of
Dewan Komisaris dan Direksi Commissioners and the Board of Directors
Dalam rangka memastikan relevansi Visi dan Misi Bank dengan In order to ensure the relevance of the Bank’s Vision and Missions
perkembangan usaha saat ini dan tujuan pengembangan di masa with the current business development and future development
yang akan datang, Dewan Komisaris dan Direksi secara berkala objectives, the Board of Commissioner and Board of Directors
melakukan review terhadap Visi dan Misi Bank. Pada tahun 2019, periodically review the Bank’s Vision and Mission. In 2019, the
dilakukan penyesuaian Visi dan Misi Bank yang dimasukkan ke Bank’s Vision and Missions were adjusted and outlined in the Bank
dalam Rencana Bisnis Bank Periode Tahun 2020-2022 sebagai Business Plan for the Period of 2020-2022 as an inseparable part.
bagian yang tidak terpisahkan.

Nilai Budaya Perusahaan

// Corporate Values
Discipline Accountable Honest
Seluruh human capital bank Dalam rangka penerapan Good Kejujuran menjadi landasan
tanpa terkecuali harus Corporate Governance yang budaya kerja yang sangat
memiliki sikap disiplin berkesinambungan, seluruh penting bagi setiap
yang tinggi, baik disiplin human capital memiliki tugas perusahaan, terlebih
terhadap waktu, target dan tanggung jawab yang perusahaan yang bergerak
kerja, pengendalian biaya spesifik terhadap bidang dalam bidang keuangan,
dan lain-lain. tugasnya masing-masing. seperti Bank.
Tanggung jawab ini tidak
All human capital without hanya sebatas terhadap
Honesty becomes a crucial
exception must have high atasan (supervisor) dari human
foundation of work culture for
discipline attitude, towards capital terkait, namun juga
each company, especially for a
time, work targets, and cost harus memiliki tanggung jawab
company engaging in financial
control etc. kepada seluruh stakeholders
sector such as Bank.
dari Bank Victoria (tanggung

jawab publik).
In order to implement
sustainable Good Corporate
Governance, all human capital
have each of their specific
duties and responsibilities.
This accountability is not only
limited to the accountability
to the supervisor of the
related human capital, but
also the employee must
have accountability to all
stakeholders of Bank Victoria
(accountability for the public).

Solid, Sustain Youthful Spirit Accurate Trust
Kekompakkan dalam arti Seiring dengan era globalisasi Sebagai lembaga keuangan Bank merupakan lembaga
positif antar bagian/divisi dan juga perkembangan ilmu dan juga perusahaan kepercayaan bagi para
menjadi syarat mutlak untuk dan teknologi yang sangat terbuka, keakurasian data nasabah untuk menyimpan
dapat menjaga pertumbuhan dinamis saat ini, semangat/ terkait dengan penyebaran dana. Untuk itu, unsur
bisnis dari Bank yang jiwa muda dalam setiap informasi, baik formal kepercayaan (trust) wajib
berkesinambungan kepribadian human capital maupun informal, sudah menjadi nilai budaya yang
(sustainable growth). menjadi keharusan agar Bank menjadi suatu kewajiban dari harus melekat pada seluruh
dapat terus berkembang Bank untuk dipenuhi. human capital Bank Victoria.
Cohesiveness in a positive
dalam menjalankan aktivitas
meaning between As a financial institution Bank is a trustworthy
operasionalnya.
department/division becomes and also a public company, institution for its customers
the absolute requirement in In line with the globalization accurate data related to in keeping their funds.
order to maintain sustainable era and also dynamic dissemination of information Therefore, the element of trust
growth of the Bank. development of science both formal and informal has must be the corporate culture
and technology nowadays, become an obligation of the embedded within all human
the spirit/youth spirit in the bank to satisfy. capital of Bank Victoria.
personality of each human
capital of the Bank is a must,
so that the Bank can continue
to develop in carrying out its
operating activities.

Bank Victoria mengimplementasikan nilai-nilai Budaya Bank Victoria implements the Corporate Culture values in the
Perusahaan tersebut dalam kinerja dan layanan yang ditunjukkan performance and services shown as follows.
sebagai berikut.
No Delay No Delay
Banyaknya gangguan dalam bekerja The number of disturbances at work
akan menghambat penyelesaian will hamper the completion of work,
pekerjaan, maka kita harus thus, we must avoid matters that
menghindari hal-hal yang dapat can interfere with the work.
mengganggu perkerjaan tersebut.
No Error No Error
Sebagai manusia kita tidak luput As humans we are not free from
dari kesalahan, termasuk dalam mistakes, including in work.
perkejaan. Namun kesalahan However, these mistakes refer to
tersebut lebih mengacu kepada carelessness rather than lack of
kecerobohan bukan sebatas ability.
kemampuan.
3 No’s Principal
No Fraud No Fraud
Fraud terjadi dikarenakan internal Fraud occurs due to weak internal
control yang lemah, pemahaman control, poor understanding of
yang kurang terhadap peraturan regulations, and weak monitoring.
serta monitoring yang lemah.
Speed Speed Value Propositions

Dengan menghindari gangguan yang By avoiding distractions that can
dapat memperlambat pekerjaan, slow down work, our daily work can
maka pekerjaan kita sehari-hari be completed quickly.
dapat diselesaikan dengan cepat.
Accurate Accurate
Dengan menghindari kesalahan By avoiding mistakes in work,
dalam bekerja kita akan menyajikan we will present work results with
hasil pekerjaan dengan data yang accurate data.
akurat.
Control Control
Fungsi control adalah membuat The function of control is to make
suatu hasil pekerjaan berjalan work results going well, orderly, and
dengan baik, teratur dan developing.
berkembang.

Tinjauan Budaya Perusahaan oleh Dewan Review of Corporate Culture by the Board of
Komisaris dan Direksi Commissioners and Board of Directors
Dewan Komisaris dan Direksi secara berkala melakukan tinjauan The Board of Commissioners and Board of Directors periodically
terhadap Budaya Perusahaan. Pada tahun 2019, tinjauan Budaya review the Corporate Culture. In 2019, the Corporate Culture was
Perusahaan telah dievaluasi bersamaan dengan persetujuan evaluated in conjunction with the approval of the Bank’s Business
Rencana Bisnis Bank Periode Tahun 2020-2022. Nilai Budaya Plan for the Period of 2020-2022. The Corporate Cultural Values
Perusahaan tersebut dipandang masih relevan dengan are still considered relevant to the Bank’s current development.
perkembangan Bank saat ini.
Bidang Usaha
// Line Of Business
“Bank Victoria menjalankan kegiatan usaha sebagai bank umum konvensional dan menyediakan
layanan perbankan syariah melalui Entitas Anak.”
“Bank Victoria operates as a conventional commercial bank
business activity and provides sharia banking services through its Subsidiary.”
Sesuai dengan pasal 3 (tiga) Anggaran Dasar Bank, ruang lingkup Pursuant to Article 3 (three) of the Bank’s Articles of Association,
kegiatan Bank adalah menjalankan usaha sebagai bank umum the scope of the Bank activities is to run a commercial bank in
dalam arti kata seluas-luasnya sesuai dengan ketentuan yang the broadest possible meaning in accordance with the applicable
berlaku. Untuk mencapai maksud dan tujuan tersebut, Bank provision. To achieve such purpose and objective, the Bank can
dapat melakukan kegiatan usaha sebagai berikut. conduct business activities as follows.
Kegiatan Usaha Utama Main Business Activities
Kegiatan Usaha yang

Dijalankan Bank Victoria
Kegiatan Usaha Berdasarkan Business Activities Run by Business Activities
Anggaran Dasar Bank Victoria Based on Articles of Association
Sudah Belum
Done Not Done
Menghimpun dana dari masyarakat dalam bentuk simpanan Collect funds from the society in the form of demand
giro, deposito berjangka, sertifikat deposito, tabungan, √ deposits, time deposits, certificates of deposit, savings,
dan/atau bentuk lainnya yang dipersamakan dengan itu. and/or other forms equivalent.
Memberikan kredit, baik kredit jangka menengah, Provide credits, whether medium-term, long-term, or
panjang atau pendek, maupun jenis lainnya yang lazim √ short-term, and other types prevalent in the banking
dalam dunia perbankan. world.

Kegiatan Usaha yang

Sudah Belum
Done Not Done
Menerbitkan surat pengakuan hutang. √ Issue debt certificates.
Membeli, menjual atau menjamin atas risiko sendiri

Buy, sell, or guarantee on own risk and for the interest
maupun untuk kepentingan dan atas perintah nasabahnya:
and upon the order of its customers:
a. Surat-surat wesel, termasuk wesel yang diakseptasi
a. Money orders, including accredited money orders by
oleh Bank yang masa berlakunya tidak lebih lama dari
the Bank in which the validity period is not longer than
kebiasaan dalam perdagangan surat-menyurat tersebut;
the custom of the trade of the papers;
b. Surat pengakuan hutang dan kertas dagang lainnya
b. Debt certificates and other trade papers in which the
yang masa berlakunya tidak lebih lama dari kebiasaan
validity period is not longer than the custom of the
dalam perdagangan surat-surat tersebut; √ trade of the papers;
c. Kertas perbendaharaan Negara dan surat jaminan
c. State treasury bills and government guarantee letter;
pemerintah;
d. Sertifikat Bank Indonesia;
d. Bank Indonesia Certificates;
e. Obligasi;
e. Bonds;
f. Surat promes yang dapat diperdagangkan dengan
f. Short-term tradeable promissory notes with validity
berjangka waktu sampai dengan dengan 1 (satu) tahun;
period of up to 1 (one) year;
g. Surat berharga lain yang berjangka waktu sampai
g. Other securities with validity period of up to 1 (one) year.
dengan dengan 1 (satu) tahun.
Memindahkan uang, baik untuk kepentingan sendiri √ Transfer of money, both for own interest and for the
maupun untuk kepentingan nasabah. customers’ interest.
Menempatkan dana pada, meminjam dana dari, atau

Place funds in, borrow funds from, or lend funds to other
meminjamkan dana kepada bank lain, baik dengan √ banks, either by mail, telecommunication means, or by
menggunakan surat, sarana telekomunikasi maupun
sight draft, check, or other means.
dengan wesel unjuk, cek atau sarana lainnya.
Menerima pembayaran dari tagihan atas surat berharga dan √ Receive payments from claims on securities and perform
melakukan perhitungan dengan atau antara pihak ketiga. calculations with or between third parties.
Melakukan penempatan dana dari nasabah kepada Perform placement of funds from a customer to another
nasabah lainnya dalam bentuk surat berharga yang √ customer in the form of securities listed in stock
tercatat di bursa efek. exchange.
Melakukan kegiatan dalam valuta asing dengan memenuhi √ Perform activities in foreign currencies by meeting
ketentuan yang ditetapkan oleh Bank Indonesia. provisions stipulated by Bank Indonesia.
Menyediakan pembiayaan dan/atau melakukan kegiatan Provide financing and/or perform other activities including
lain, termasuk kegiatan berdasarkan prinsip syariah sesuai √ activities based on sharia principles in accordance with
dengan ketentuan yang ditetapkan oleh Bank Indonesia. provisions stipulated by Bank Indonesia.

Kegiatan Usaha Penunjang Supporting Business Activities
Kegiatan Usaha yang

Sudah Belum
Done Not Done
Menyediakan tempat untuk menyimpan barang dan surat

√ Provide place for storing valuables and securities.
berharga.
Melakukan kegiatan penitipan untuk kepentingan pihak Conduct custodial activities for the benefits of others
√
lain berdasarkan suatu kontrak. under a contract.
Membeli agunan, baik semua maupun sebagian, Purchase a collateral, either in whole or in part, through
melalui pelelangan dalam hal debitur tidak memenuhi an auction in the event that the debtor cannot meet its
√
kewajibannya kepada perusahaan, dengan ketentuan obligations to the company, provided that the purchased
agunan yang dibeli tersebut wajib dicairkan secepatnya. collateral must be disbursed immediately.
Melakukan kegiatan anjak piutang, usaha kartu kredit, Perform factoring activities, credit card business, and
√
dan kegiatan wali amanat. trustee activities.
Melakukan kegiatan sebagai penyelenggara dana Conduct activities as the Pension Fund organizers in
pensiun sesuai dengan peraturan perundang-undangan accordance with the applicable laws and regulations,
yang berlaku, baik selaku pendiri dana pensiun pemberi √ either as the founder of the employer’s pension fund or
kerja maupun selaku pendiri dan/atau peserta dana as the founder and/or participant of the pension fund of
pensiun lembaga keuangan. a financial institution.
Melakukan kegiatan penyertaan modal pada bank atau Conduct equity participation in a bank or other
perusahaan lain di bidang keuangan, sewa guna usaha, company in the field of finance, leasing companies,
perusahaan modal ventura, perusahaan efek, perusahaan venture capital firms, securities companies, insurance
√
asuransi, lembaga kliring dan penjamin, serta lembaga companies, clearing and guarantee institutions, as well
penyimpanan dan penyelesaian dengan memenuhi as depository and settlement institutions in compliance
ketentuan yang ditetapkan oleh instansi yang berwenang. with provisions stipulated by the competent authorities.
Melakukan kegiatan penyertaan modal sementara untuk

Conduct temporary equity participation to cope
mengatasi kredit macet, termasuk kegagalan pembiayaan
√ with NPL, including financing failure based on sharia
berdasarkan prinsip syariah dengan syarat harus menarik
principles subject to withdrawal of statements in
kembali pernyataannya sesuai dengan ketentuan yang
accordance with provisions stipulated by Bank Indonesia
ditetapkan oleh Bank Indonesia.
Mengusahakan usaha-usaha lain yang berhubungan Undertake other business ventures directly or indirectly
langsung atau tidak langsung dengan maksud tersebut related to the aforementioned intent in which its
√
di atas yang pelaksanaannya tidak bertentangan dengan implementation is not contradictory with the applicable
undang-undang yang berlaku di Indonesia. law in Indonesia.

Produk dan Jasa

// Products and Services
Kegiatan usaha Bank Victoria meliputi The business activities of Bank Victoria
produk simpanan, produk pinjaman, serta include savings products, loan products,
berbagai layanan lainnya. Uraian produk and several other services. The description
dan jasa Bank Victoria dijelaskan sebagai of Bank Victoria products and services is
berikut. as follows.
Produk Simpanan Savings Products

Produk simpanan adalah dana pihak ketiga Savings products are funds of third parties
yang telah dihimpun oleh Bank Victoria that have been collected by Bank Victoria
melalui berbagai produk tabungan, giro, through various savings, demand deposits,
dan deposito. and time deposits.
Tabungan Savings
Tabungan Victoria Victoria Savings

Rekening tabungan yang menawarkan A savings account offering easy
kemudahan bertransaksi melalui ATM transactions through Victoria ATM
Victoria yang bekerja sama dengan that work in cooperation with ATM
jaringan ATM Prima, dengan suku bunga Prima network with interest rate
yang kompetitif, bebas biaya administrasi which is competitive, free of monthly

bulanan, serta dilengkapi fasilitas internet banking dan mobile administration fee, and completed with internet banking and
banking yang dapat dipakai untuk transaksi transfer dana, mobile banking facilities that can be used for transactions of fund
pembelian, dan pembayaran di berbagai merchant. transfer, purchases, and payments in various merchants.
Tabungan VIP Safe VIP Safe Savings

Rekening tabungan yang digunakan untuk perorangan dengan A savings account reserved for individuals with attractive tiering
tiering suku bunga yang sangat menarik, bebas biaya administrasi interest rates, free from monthly administration fee, at once also
bulanan, sekaligus memberikan manfaat gratis perlindungan giving benefits of free personal accident insurance protection
asuransi kecelakaan diri hingga maksimum Rp5 miliar. Selain up to a maximum of Rp5 billion. In addition to that, the internet
itu, dengan fasilitas internet banking dan mobile banking yang banking and mobile banking facilities provided, allow customers
diberikan membuat nasabah dapat melakukan transaksi to make banking transactions without having to come to the
perbankan tanpa harus datang ke kantor cabang. branch office.
Tabungan VIP Pro VIP Pro Savings

Rekening tabungan dengan suku bunga berjenjang yang A savings account with competitive tiering interest rates and
kompetitif dan poin reward dengan berbagai hadiah menarik point rewards with various attractive gifts which provides
yang memberikan kemudahan dengan jaringan ATM prima, serta convenience, through ATM Prima network as well as internet
fasilitas internet banking dan mobile banking. banking and mobile banking facilities.
Tabungan VIP Plan VIP Plan Savings

Rekening tabungan berencana yang dapat membantu pengaturan A plan savings account which can assist the arrangement of
dana untuk berbagai kebutuhan dengan berbagai hadiah langsung funds for various needs with various direct gifts according to the
sesuai pilihan dan perlindungan asuransi jiwa secara gratis. choice and free of life insurance protection.
Tabungan Victoria Junior Victoria Junior Savings

Rekening tabungan bagi nasabah junior dengan hadiah langsung A savings account for junior customers with attractive direct
yang menarik, suku bunga yang kompetitif, dan tanpa batasan gifts, competitive interest rates, and unlimited withdrawals.
penarikan.
Tabungan V-Bisnis V-Bisnis Savings

Rekening tabungan khusus yang disediakan untuk para pelaku A special savings account reserved for business actors,
bisnis perorangan maupun badan hukum dengan suku bunga yang individuals and corporations with competitive interest rates.
kompetitif.
Tabungan V-88 V-88 Saving

Penyatuan (bundling) produk antara deposito berjangka 3 (tiga) A bundling of products between a 3 (three) month time deposit
bulan dengan tabungan Victoria, yang dapat memberikan imbal and Victoria savings, that can give attractive yields for a 3 (three)
hasil yang menarik untuk deposito berjangka 3 (tiga) bulan, month time deposit, with allocation of nominal placement that
dengan alokasi penempatan nominal yang telah ditentukan has been determined from the total placement in Victoria savings
dari total penempatannya pada tabungan Victoria yang diblokir which shall be blocked for a 3 (three)-month period. This program
selama jangka waktu 3 (tiga) bulan. Program ini juga memberikan also provides benefits of free personal accident insurance
manfaat gratis perlindungan asuransi kecelakaan diri hingga protection up to a maximum of Rp10 billion.
maksimum Rp10 miliar.
TabunganKu MySavings
Rekening tabungan yang digunakan untuk perorangan dengan A savings reserved for individuals with easy light requirements
persyaratan yang mudah dan ringan yang diterbitkan secara issued jointly by banks in Indonesia, as a manifestation for
bersama oleh bank-bank di Indonesia, sebagai perwujudan growing a culture of saving and improve the welfare of the people.
untuk menumbuhkan budaya menabung serta meningkatkan
kesejahteraan masyarakat.

Tabungan Victoria Maxima Victoria Maxima Savings

Tabungan dengan dua keuntungan berupa cashback di awal Savings with two benefits in the forms of cashback at the
penempatan dan bunga bulanan yang menarik. beginning of placement and attractive monthly interest.
Tabungan Victoria EduSave Victoria EduSave Savings

Tabungan untuk perencanaan pendidikan anak dengan tambahan Savings for children’s education planning with additional benefits
keuntungan berupa asuransi jiwa dan cacat tetap total gratis. in the forms of free life insurance and free total permanent
Asuransi ini memastikan sisa setoran bulanan tetap terbayarkan disability insurance. This insurance ensures the remainder of the
sampai dengan masa akhir tabungan, sehingga biaya pendidikan monthly deposit remains paid until the end of the savings period,
anak di masa depan tetap aman. so that children’s education costs in the future remain safe.
Victoria Internet Business (VIBIZ) Victoria Internet Business (VIBIZ)

Tabungan untuk nasabah perusahaan dan perorangan yang Savings for corporate customers and individuals that provide high
memberikan bunga tinggi dan berbagai kemudahan untuk interest and various facilities for everyday banking transactions.
transaksi perbankan sehari-hari.
Giro Demand Deposits
VIP Giro VIP Giro

Produk Giro yang diperuntukan untuk perorangan dan perusahaan A Demand Deposit product allocated for individuals and
yang dapat memberikan imbal hasil yang sangat menarik. corporates that can give a very attractive return. Besides, it
Selain itu, dapat digunakan untuk memudahkan nasabah dalam can be used to facilitate customers in making transactions by
bertransaksi dengan memberikan fasilitas tambahan gratis biaya providing additional facility of free checque book/bilyet giro. By
buku cek/bilyet giro. Dengan menggunakan VIP Giro, nasabah using VIP Giro, customers of business/company segment can also
pada segmen bisnis/perusahaan juga dapat menjalankan fasilitas run a free payroll facility to all employees with a payroll account
penggajian gratis untuk seluruh karyawan dengan rekening in Bank Victoria. This product is also available in US Dollar,
payroll di Bank Victoria. Produk ini juga tersedia dalam mata uang Singapore Dollar, Yen, and Euro.
US Dollar, Singapore Dollar, Yen, dan Euro.
Deposito Term Deposits
Deposito Rupiah Time Deposit

Produk simpanan berjangka dengan mata uang Rupiah yang dapat A time deposit product in Rupiah that can be used for individual
digunakan untuk nasabah perorangan maupun badan hukum and legal entity customers with a period of 1 (one) month,
dengan jangka waktu 1 (satu) bulan, 3 (tiga) bulan, 6 (enam) bulan, 3 (three) months, 6 (six) months, or 12 months, and can give a very
atau 12 bulan, serta dapat memberikan bunga deposito yang attractive time deposit interest to customers.
sangat menarik kepada nasabah.
Deposito Valas Forex Deposit

Produk simpanan berjangka dalam bentuk mata uang asing bagi Time deposits product in the form of foreign currencies for
nasabah individu maupun perusahaan. Produk ini tersedia dalam individual and corporate customers. This product is available in
mata uang US Dollar. US Dollar.
Produk Pinjaman Loan Products

Produk Pinjaman merupakan suatu fasilitas keuangan yang Loan Product is a financial facility that allows a person or business
memungkinkan seseorang atau badan usaha untuk meminjam entity to borrow money to buy product and repay it within a
uang untuk membeli produk dan membayarnya kembali dalam specified time period.
jangka waktu yang ditentukan.

Kredit Produktif Productive Credit
Corporate Lending Corporate Lending

Kredit produktif (modal kerja dan investasi) yang diberikan untuk A productive credit (working capital and investment) provided for
portofolio kredit high end corporate customers (termasuk di credit portfolio of high-end corporate customers (including public
dalamnya public listed companies, perusahaan yang dimiliki oleh listed companies, company owned by Indonesian Conglomerates
konglomerat Indonesia, perusahaan nasional) dengan plafond and National Companies) with a credit ceiling above Rp50 billion
diatas Rp50 miliar (Surat Edaran No. 003/SEDIR/02/18 tanggal 23 (SE No. 003/SEDIR/02/18 dated February 23, 2018), including
Februari 2018), termasuk kredit sindikasi dengan bank-bank besar. syndicated loans with large banks. In this credit segment, industry
Pada segmen kredit ini, sektor industri yang ditargetkan adalah sectors targeted are manufacturing industry, trading property
industri manufaktur, trading, property, (shopping mall, office (shopping mall, office building, real estate, condominium,
building, real estate, kondominium, apartment), transportasi, apartment), transportation, communication, mining, electricity,
komunikasi, pertambangan, listrik, dan gas. and gas.
Commercial Lending Commercial Lending

• Commercial Enterprise and Lending • Commercial Enterprise and Lending
Kredit produktif (modal kerja dan investasi) yang diberikan A productive credit (working capital and investment) provided
kepada high end commercial customers akan difokuskan pada for high-end commercial customers, which will be focused
perusahaan perusahaan yang memiliki supply chain/ value on companies having supply chain/value chain to support
chain untuk mendukung cross selling kredit segmen lainnya cross selling credit with a credit ceiling above Rp15 billion
dengan plafond diatas Rp15 miliar (Surat Edaran No. 003/ up to Rp50 billion (SE No. 003/SE-DIR/02/18, dated February
SEDIR/ 02/18 tanggal 23 Februari 2018) sampai dengan Rp50 23, 2018). The financing patterns applied among others are
miliar. Pola pembiayaan yang diterapkan antara lain supplier supplier financing, AR financing, and inventory financing.
financing, AR financing, inventory financing.
• Medium Enterprise Lending • Medium Enterprise Lending

Kredit produktif (modal kerja dan investasi) yang diberikan A productive credit (working capital and investment) provided
kepada mid-tier commercial custumers akan difokuskan for mid-tier commercial customers, which will be focused
untuk penyebaran portfolio by industry yang masuk ke dalam on spreading portfolio by industry included in the criteria of
kriteria risk appetite dari Bank dengan plafond diatas Rp1 risk appetite from the Bank with the credit ceiling above Rp1
miliar - Rp15 miliar (Surat Edaran No. 003/SE-DIR/02/18 billion - Rp15 billion (SE No. 003/SE-DIR/02/18 dated February
tanggal 23 Februari 2018). Segmen industri yang difokuskan 23, 2018). The industry segments focused are trading, small
adalah trading, small manufacturing, transportation. manufacturing, transportation.
Small Medium Enterprise Lending Small Medium Enterprise Lending

Kredit produktif (modal kerja dan investasi) yang diberikan Productive loans (working capital and investment) granted to
kepada debitur dengan plafond diatas Rp250 juta-Rp1,5 miliar, debtors with a ceiling above Rp250 million-Rp1.5 billion, for the
untuk segmentasi industry trading, home industry, jasa, bengkel, segmentation of the trading industry, home industry, services,
rumah makan, termasuk dalam hal ini fasilitas kredit non-organik workshops, restaurants, including in this case non-organic credit
yang diberikan kepada BPR atau LKBB yang memiliki customer facilities provided to BPR or LKBB that have customer-based in
based sesuai dengan kriteria Undang-Undang Republik Indonesia accordance with the criteria of Law of the Republic of Indonesia
No. 20 Tahun 2008 tanggal 4 Juli 2008 tentang usaha mikro, kecil No. 20 of 2008 dated 4 July 2008 concerning micro, small and
dan menengah. medium enterprises.
Multi Finance Lending Multi Finance Lending

Kredit yang diperuntukan bagi perusahaan pembiayaan A credit facility reserved for multi finance in the form of
(multifinance) dalam bentuk modal kerja cicilan yang dapat installment working capital that can be used for financing to end
digunakan untuk pembiayaan kepada end user, seperti untuk users, such as financing for cars, motorcycles, heavy equipments,
pembiayaan mobil, motor, alat berat, elektronik, dan lain-lain. electronics, etc.

Bank Garansi Bank Guarantee

Pernyataan yang dikeluarkan oleh Bank atas permintaan nasabah Statement issued by the Bank at the request of the customers to
untuk menjamin risiko tertentu yang timbul apabila nasabah tidak guarantee certain risks that arise if the customers cannot carry
dapat menjalankan kewajibannya kepada pihak yang menerima out their obligations to the party receiving the guarantee.
jaminan.
Surat Kredit Berdokumen Dalam Negeri (SKBDN) Domestic Letter of Credit (SKBDN)
SKBDN dipergunakan untuk mendukung transaksi perdagangan SKBDN, which is intended to support domestic trade transactions
di dalam negeri atau yang sering disebut dengan LC Lokal or often referred to as Local LC, is a written and irrevocable
adalah janji tertulis dan tidak dapat dibatalkan (irrevocable) yang promise issued by the Issuing Bank upon instructions of the
diterbitkan oleh Bank pembuka (Issuing Bank) atas instruksi dari applicant to pay a sum of money to the beneficiary, as long as the
pemohon (applicant) untuk membayar sejumlah uang kepada terms and conditions stated in the SKBDN are fulfilled.
penerima (beneficiary) sepanjang syarat dan kondisi yang
tercantum di dalam SKBDN terpenuhi.
Kredit Konsumtif Consumptive Credit
Kredit Pemilikan Rumah Home Ownership Loan

Fasilitas kredit yang diberikan kepada debitur untuk pembelian A loan facility reserved for debtors in making a purchase
kembali (refinancing), pengambilalihan kredit dari kreditur (refinancing), taking over credit from another creditor for houses,
lain (take over) rumah, toko, ruko, rukan, villa, kavling, rusun, home stores, office stores, villas, kavlings, flats, condominiums,
kondominium, konstruksi atau renovasi. constructions or renovations.
Kredit Pemilikan Mobil Car Ownership Loan

Fasilitas kredit yang diperuntukan bagi debitur yang melakukan Is a loan facility reserved for debtors making car purchases
pembelian mobil dengan pengembalianya melalui sistem through monthly installment system.
angsuran bulanan.
Kredit Multi Guna Multi-Purpose Credit

Fasilitas kredit yang diperuntukan bagi perorangan (wiraswasta, Is a credit facility reserved for individuals (entrepreneurs,
profesional, karyawan) yang berdomisili di wilayah operasional professionals, employees) domiciled in the branch operational
cabang, yang membutuhkan dana yang dapat digunakan untuk area requiring funds that can be used for consumptive purposes
konsumsi maupun pengembangan usaha terkait dengan bidang and business development related to their professional field by
profesinya, serta dapat menyerahkan agunan berupa tanah dan turning in collaterals in the form of land and building.
bangunan.
Kredit Implant Banking Implant Banking Credit

Fasilitas kredit konsumer yang diperuntukan bagi karyawan suatu Is a consumer credit facility reserved for employees of a company
perusahaan yang dapat dilakukan secara kolektif berdasarkan that can be done collectively based on a cooperative agreement
perjanjian kerja sama antara Bank dengan perusahaan atau between the Bank and a company or employees’ cooperative, as
koperasi karyawan, maupun perjanjian kredit antara Bank dengan well as a loan agreement between the Bank and the concerned
karyawan perusahaan yang bersangkutan. company employee.
Produk Investasi Investment Products

Bank Victoria bekerja sama dengan salah satu mitra distribusi Bank Victoria cooperates with one of the government bond
obligasi pemerintah bagi investor ritel di pasar perdana domestik distribution partners for retail investors in the domestic primary
untuk memberikan produk investasi yang dapat meningkatkan market to provide investment products that can increase the
nilai portofolio nasabah di Bank. customer portfolio value at the Bank.

SUN RITEL E-SBN SUN RETAIL E-SBN

Obligasi pemerintah untuk investor ritel yang diterbitkan dengan Government bonds for retail investors issued in series ORI016 with
seri ORI016 dengan periode penawaran pada 2-24 Oktober 2019. an offering period on 2-24 October 2019.
Layanan Bank Devisa Foreign Exchange Bank Services

Selain giro dan deposito, Bank Victoria juga memberikan jasa Besides demand deposits and term deposits, Bank Victoria also
layanan terkait transaksi dalam valuta asing, antara lain transaksi provides transaction-related services in foreign currencies,
kiriman uang (remittance), perdagangan international (trade including remittance transactions, international trade finance,
finance), treasury dan layanan interbank lainnya. treasury, and other interbank services.
Transaksi Kiriman Uang Remittance

Bank Victoria menyediakan jasa kiriman uang dalam valuta Bank Victoria provides remittances in foreign currencies
asing para nasabah yang ditujukan ke rekening yang berada to customers to domestic accounts (incoming transfers) or
di dalam negeri (incoming transfer) maupun luar negeri overseas (outgoing transfers) to the destination in a timely
(outgoing transfer) hingga sampai tujuan secara tepat waktu and safe manner and is supported by a reliable system.
dan aman serta didukung oleh sistem yang handal. Saat ini, At present, Bank Victoria serves money transfers with
Bank Victoria melayani jasa kiriman uang dengan valuta US currencies of US Dollar, Singapore Dollar, Yen, Yuan, dan
Dollar, Singapore Dollar, Yen, Yuan, dan Euro. Euro.
Perdagangan International Trade Finance

Bank Victoria memberikan pelayanan kepada mitra usaha Bank Victoria provides services to business partners
dalam melakukan transaksi perdagangan dalam negeri in carrying out Domestic Trade Transactions by using a
dengan menggunakan Surat Kredit Berdokumen Dalam Domestic Documented Letter of Credit (SKBDN) in Rupiah
Negeri (SKBDN) dalam mata uang Rupiah dan Letter of and Letter of Credit (L/C) in foreign currencies. With the
Credit (L/C) dalam mata uang asing. Dengan didukung 86 support of 86 Bank Victoria branch offices throughout
Cabang Bank Victoria di seluruh Indonesia. Bank Victoria Indonesia, Bank Victoria is ready to help customers
siap membantu nasabah untuk memperkokoh posisi bisnis strengthen the customer’s business position nationally.
nasabah secara nasional.
Transaksi nasabah akan ditangani dengan cepat oleh Customer transactions will be dealt fast by experts who
tenaga-tenaga ahli yang telah berpengalaman menangani have experience in handling domestic trade transactions.
transaksi perdagangan dalam negeri. Dengan sistem With an advanced technology-based application system,
aplikasi berbasis teknologi yang maju, nasabah cukup customers simply submit a transaction application and
mengajukan permohonan transaksi dan mempresentasikan present documents through the nearest branch of Bank
dokumen melalui cabang-cabang Bank Victoria terdekat Victoria or directly to the International Banking Division at
atau langsung ke Kantor Pusat Divisi International Banking. Head Office.
Untuk jasa layanan dalam perdagangan dalam negeri Service products in domestic trade include:
meliputi:
• Penerbitan SKBDN dan L/C; • Issuance of SKBDN and L/C;
• Penerimaan SKBDN dan L/C; dan • Acceptance of SKBDN and L/C; and
• Collection. • Collection.
Melalui Divisi International Banking, nasabah akan Through the existing International Banking Division,
mendapatkan pelayanan konsultasi bisnis yang dapat customers will get business consultation services that can
membantu nasabah seputar permasalahan perdagangan help customers around the issue of domestic trade by using
dalam negeri dengan menggunakan SKBDN maupun SKBDN or international trade using L/C. In addition, Bank
perdagangan international menggunakan L/C. Selain itu, Victoria also provides Bank Guarantee services to business
Bank Victoria juga memberikan pelayanan Bank Garansi partners.
kepada mitra usaha.

Treasury dan Layanan Interbank Lainnya Treasury and Other Interbank Services
Bank Victoria memberikan layanan jasa transaksi jual beli bank Bank Victoria provides transaction services for buying and
notes dengan mata uang US Dollar, Singapore Dollar, Australian selling bank notes in US Dollar, Singapore Dollar, Australian
Dollar, Hongkong Dollar, Yen, Yuan, dan Euro. Bank Victoria juga Dollar, Hong Kong Dollar, Yen, Yuan, and Euro. Bank Victoria
memberikan layanan terkait jual beli dan valuta asing dengan also provides services related to trading and foreign
jenis transaksi forward dalam mata uang US Dollar. currencies with Forward Transaction type in US Dollar.
Jasa Layanan Services
Bentuk layanan lainnya yang diberikan oleh Bank Victoria Other forms of services provided by Bank Victoria with
dengan tujuan untuk memberikan kemudahan bagi para the purpose to provide convenience for customers are
nasabah diuraikan sebagai berikut. described as follows.
Kliring/Inkaso Clearing/Payment
Layanan kliring/inkaso yang digunakan untuk penagihan warkat Is a clearing/payment services used for collecting other bank
bank lain peserta kliring lokal, di luar wilayah kliring, maupun di instruments of local clearing participants, outside the clearing
luar peserta kliring luar wilayah. area, and outside the clearing participant from outside the area.
Transfer Transfer
Layanan jasa yang digunakan untuk pengiriman dana kepada Is a service for transferring funds to a beneficiary in another bank.
penerima dana di bank lain.
Real Time Gross Settlement (RTGS) Real Time Gross Settlement (RTGS)
Layanan transfer dana melalui fasilitas RTGS dari Bank Indonesia Is a fund transfer service through RTGS facility from Bank
yang dikenakan biaya transfer, namun dapat dipilih untuk Indonesia that is subject to a transfer fee, but with an option
dibebankan kepada pengirim atau kepada penerima. whether the charge will be borne by the sender or the recipient.
Pembayaran Tagihan Payment of Bills

Layanan pembayaran tagihan, misalnya tagihan rekening listrik Is a service for paying bills, e.g. electricity bills from PLN, phone
PLN, rekening telepon Telkom, dan internet Speedy. bills from Telkom, and internet bills from Speedy.
Kartu ATM ATM Card

Fasilitas yang Bank Victoria berikan kepada nasabahnya berupa Facility provided by Bank Victoria to its customers is in the form
Kartu Victoria dengan menggunakan format National Standard of Victoria Card using the format of National Standard Indonesian
Indonesian Chip Card Specification (NSICCS) yang memiliki fitur Chip Card Specification (NSICCS), which has a very high security
keamanan yang sangat tinggi, sehingga dapat meminimalkan risiko feature that can minimize the risk of fraud, as happened in ATM
fraud, seperti yang terjadi pada kartu ATM dengan format magnetic cards with a magnetic stripe format. This Victoria ATM card can be
stripe. Kartu ATM Victoria ini dapat digunakan oleh nasabah di lebih used by customers in more than 120,000 ATMs whose merchants
dari 120.000 ATM yang merchant-nya tergabung dengan ATM Prima, are affiliated with ATM Prima, to facilitate transactions, such as
sehingga dapat memberikan kemudahan untuk bertransaksi, seperti cash withdrawals, balance checks, inter-accounts transfer in
penarikan tunai, cek saldo, transfer antar rekening di Bank Victoria Bank Victoria and other banks that are members of ATM Prima
maupun di bank lain yang merupakan anggota jaringan ATM Prima network scattered throughout Indonesia.
yang tersebar di seluruh Indonesia.
Auto Save Auto Save

Layanan fasilitas yang diperuntukan kepada nasabah giro Is a facility of services reserved for individual giro customers of
perorangan Bank Victoria yang dapat mengoptimalkan Bank Victoria that can optimize the deposit of funds.
pengendapan dana.

Auto Debet Auto Debit

Layanan fasilitas auto debet yang diperuntukan kepada nasabah Is an auto debit facility of services reserved for customers in
dalam melakukan transaksi yang dilakukan secara periodik, making transactions periodically, such as the payments of bills of
seperti untuk pembayaran tagihan listrik (PLN), telepon, electricity (PLN), telephones, water supplies (PAM), etc.
Perusahaan Air Minum (PAM) dan lain-lain.
Internet Banking dan Mobile Banking Victoria Victoria Internet Banking and Mobile Banking
Fasilitas electronic banking yang diperuntukan kepada nasabah Electronic banking facilities reserved for individual savings
tabungan perorangan yang memudahkan dalam melakukan customers providing a facilitation in making banking transactions
transaksi perbankan via smartphone maupun komputer. Dengan via a smartphone and computer. By using this facility, customers
menggunakan fasilitas ini, nasabah juga dapat melakukan can also make banking transactions without having to come to
transaksi perbankan tanpa harus datang ke kantor cabang Bank Victoria branch offices. Various transactions can be made,
Bank Victoria. Berbagai transaksi dapat dilakukan, antara lain among others credit balance transfer, checking mutation and
pemindahbukuan, melihat mutasi dan riwayat transaksi, transfer historical transactions, online transfer using Prime network,
online menggunakan jaringan Prima, transfer ke bank lain dengan transfer to other banks using SKN, transactions through the
menggunakan SKN, transaksi melalui pembelian listrik dan pulsa, purchase of tokens for electricity and telephone, and monthly
serta transaksi pembayaran rutin bulanan, seperti kartu kredit, regular payment transations, such as credit cards, bills of
tagihan listrik, internet, TV kabel, asuransi dan lain-lain. electricity, internet, cable TV, insurance, etc.

Wilayah Operasional
// Operational Areas
Medan
Semarang Makassar
Jakarta
Bandung Solo
Surabaya
Bali
INDONESIA
Sampai dengan tahun 2019, Bank Victoria memiliki 1 (satu) kantor Until 2019, Bank Victoria has 1 (one) head office and 85 office
pusat dan 85 jaringan kantor yang terdiri dari kantor cabang, networks consisting of branch offices, sub-branch offices, and
kantor cabang pembantu, dan jaringan kantor lainnya, seperti other office networks, such as cash offices, payment points, and
kantor kas, payment point, dan kantor layanan kas. cash service offices.
Jaringan Kantor
Office Network
Kantor 2019 2018 2017 2016 2015 Office

Kantor Pusat 1 1 1 1 1 Head Office
Kantor Cabang 14 12 9 8 6 Branch Office
Kantor Cabang Pembantu 63 65 68 67 63 Sub-branch Offices
Jaringan Kantor Lain (Kantor Other Office Network (Cash Of-

8 14 27 27 32
Kas, Payment Point, dan lainnya) fice, Payment Point, others)
Total 86 92 105 103 102 Total

Manado
01 Kantor Pusat
Head Office
14 Kantor Cabang
Branch Office
63
Kantor Cabang Pembantu
Supporting Branch Office
08
Jaringan Kantor Lain (Kantor
Kas, Payment Point, dan lainnya)
Other Office Network (Cash
Office, Payment Point, and others)
Jaringan Kantor per Wilayah Tahun 2019

Office Network by Region in 2019
Kantor
Kantor Cabang
Cabang Pembantu Kantor Kas Payment
Wilayah Total Area
Cash Office Point
Branch Office Supporting
Branch Office
Jakarta Timur - 1 - - 1 East Jakarta
Jakarta Selatan 3 10 - - 13 South Jakarta
Jakarta Utara 1 10 1 - 12 North Jakarta
Jakarta Barat - 23 2 - 25 West Jakarta
Jakarta Pusat 1 10 3 - 14 Central Jakarta
Bekasi, Cibubur, dan Bekasi, Cibubur, and the

- 3 - - 3
sekitarnya surrounding
Depok dan sekitarnya - 1 - - 1 Depok and the surrounding
Tangerang and the

Tangerang dan sekitarnya - 5 1 - 6
surrounding
Cabang Luar Kota 9 - 1 1 11 Out-of-Town Branch
TOTAL 14 63 8 1 86 Total

Struktur Organisasi
// Organization Structure
Struktur Organisasi Bank Victoria berdasarkan Surat Keputusan The Organizational Structure of Bank Victoria based on Decision
Direksi No. 003/SK-DIR/11/19 tanggal 6 November 2019 tentang Letter of the Board of Directors No. 003/SK-DIR/11/19 dated
Perubahan Struktur Organisasi PT Bank Victoria International Tbk 6 November 2019 on the Change in the Organizational
ditunjukkan sebagai berikut. Structure of PT Bank Victoria International Tbk is shown as follows.
Komite Manajemen Wakil Direktur Utama

Risiko Terintegrasi Deputy President Director
Risk Management Rusli

Committe/Integrated
ALCO Direktur Kepatuhan dan

Manajemen Risiko
Director of Compliance
Komite Kredit and Risk Management
Credit Committee
Tamunan
Komite Kebijakan
Kredit
Senior EVP of
Credit Policy Operations and IT
Committee
Darwinsyah
Komite Teknologi
Informasi
Special Asset Manajement Compliance, AML/
Information Operations Division Division Integrated & System
Technology Theresia Maria Procedure Division
Committee Duisa Labora
Dhewajani Panggabean Ruly Dwi Rahayu
Komite Pemantau
dan Pelaksanaan GCG Information Technology Credit Risk Review Risk Management/
GCG Implementation Division Division Integrated Division
and Monitoring Yohanes Robby Mira Christiana Hermawan
Committee Yuwono
Komite Personalia International Banking Corporate Secretary

Personnel Division Division
Committee Purwono Lidwina Dian Pratiwi
Komite Pengadaan
HCM & General
Procurement Affairs Division
Committee
Syahda Chandra
Komite Produk
Product Committee
Product Development
Komite Investasi Andreas Solihin
Investment
Committee
Internal Control
Andriansyah


Risk Monitoring Committee
Dewan Komisaris
Komite Nominasi dan Remunerasi
Komisaris Utama : Oliver Simorangkir Nomination and Remuneration Committee
Komisaris/ Komisaris Independen : Gunawan Tenggarahardja
Commissioner/ Independent Commissioner Komite Audit
Komisaris/ Komisaris Independen : Zaenal Abidin, PhD Audit Committee
Commissioner/ Independent Commissioner
Komite Tata Kelola Terintegrasi

Integrated Governance Committee
Direktur Utama
President Director
Ahmad Fajar
Direktur Keuangan Direktur Bisnis

Director of Finance Director of Business
Debora Wahjutirto Tanoyo Lembing
Senior EVP of Finance,

Accounting & Strategic Senior EVP of
Perfomance Management Corporate Banking
Tomi Parisianto Ferry Oktavianus Mantiri
Loan & Trade Branch Banking

Financing & Operations Division Network & SKAI/ Integrated and SME & Consumer
Accounting Division Performance Anti-Fraud Division Banking Division
Kokot Dananjoyo
Claudia Audrey Division
Sapsoko Djoko Soendjojo Henry Indrajaja
Sanny Setiadi
Multifinance & Commercial

Treasury Division Banking Division
Ritayana
Ryano Andreas T
Corporate Legal
Division
Yosef Sudikbyo
Credit Monitoring &

Management Assurance Corporate Lending
Credit Legal
Information System Main Branches
Hans Tanurahardja Kevin Limanseto
Novita Indriyani
Yonathan

Profil Dewan Komisaris

// Profile of the Board of Commissioners
1. OLIVER SIMORANGKIR Komisaris Utama

Komisaris/
Komisaris Independen
Commissioner/ 2. GUNAWAN
Independent Commissioner TENGGARAHARDJA
Komisaris/
Komisaris Independen
3. ZAENAL ABIDIN, PhD Commissioner/
Independent Commissioner

1
Oliver Simorangkir
Komisaris Utama
Kewarganegaraan Nationality
Indonesia Indonesia
Usia Age
69 Tahun 69 Years old
Domisili Domicile
Jakarta Jakarta
Tempat Lahir Place of Birth

Tarutung Tarutung
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Surat Keputusan RUPS Tahunan tanggal 26 Juni 2015 (2015-2016); • Annual GMS Resolutions dated 26 June 2015 (2015-2016);
• Surat Keputusan RUPS Tahunan tanggal 24 Juni 2016 (2016-2019); dan • Annual GMS Resolutions dated 24 June 2016 (2016-2019); and
• Surat Keputusan RUPS Tahunan tanggal 10 Mei 2019 (2019-2022). • Annual GMS Resolutions dated 10 May 2019 (2019-2022).
Riwayat Pendidikan Education

Sarjana Ekonomi Akuntansi dari Universitas Indonesia (1980). Bachelor of Economics, Accounting, from Universitas Indonesia (1980).
Rangkap Jabatan Saat Ini Current Concurrent Positions

• Anggota Komite Pemantau Risiko Bank Victoria (sejak 2015); • Member of Risk Monitoring Committee of Bank Victoria (since 2015);
• Anggota Komite Tata Kelola Terintegrasi Bank Victoria (sejak 2017); dan • Member of Integrated Governance Committee of Bank Victoria
(since 2017); and
• Anggota Komite Nominasi dan Remunerasi Bank Victoria (sejak 2016). • Member of Nomination and Remuneration Committee of Bank Victoria
(since 2016);
Riwayat Jabatan Sebelumnya History of Previous Positions

• Menjabat di PT Bank Niaga Tbk sebagai: • Held positions at PT Bank Niaga Tbk as:
• Officer Development Program (ODP) (1980-1981); • Officer Development Program (ODP) (1980-1981);
• Sub Manager Staff Internal Auditor (1981-1983); • Sub Manager of Internal Auditor Staff (1981-1983);
• Assistant Manager – Department Head of Credit Administration • Assistant Manager – Department Head of Credit Administration of
Cabang Utama Jakarta (1983-1985); Jakarta Main Branch (1983-1985);
• Kepala Divisi Operasional Cabang Utama Jakarta (1985-1987); • Head of Operational Division of Jakarta Main Branch (1985-1987);
• Senior Manager – Wakil Pimpinan Cabang Thamrin (1987-1988); • Senior Manager – Vice Branch Manager of Thamrin (1987-1988);
• Assistant Vice President – Manager in Charge Sentralisasi • Assistant Vice President – Manager in Charge of Operational
Operasional Wilayah Jakarta (1988-1989); Centralization of Jakarta Region (1988-1989);
• Vice President Operasional – Manager in Charge Wilayah Jakarta • Vice President of Operations – Manager in Charge of Jakarta Region
(1990-1994); (1990-1994);
• Group Head Operation System and Procedure Head Office • Group Head of Operation System and Procedure at Head Office
(1994-1998); (1994-1998);
• Group Head Corporate Planning and Accounting Control Head Office • Group Head of Corporate Planning and Accounting Control at Head
(1998-2000); dan Office (1998-2000); and
• Senior Vice President - Internal Audit Head (2000-2001). • Senior Vice President - Internal Audit Head (2000-2001).
• Senior Vice President - General Manager Internal Audit PT Bank Permata • Senior Vice President – General Manager of Internal Audit of PT Bank
Tbk (2001-2005); Permata Tbk (2001-2005);
• Direktur Kepatuhan dan Manajemen Risiko Bank Victoria (2005-2008); dan • Director of Compliance and Risk Management of Bank Victoria
(2005-2008); and
• Direktur Operasi dan Sistem Perseroan Bank Victoria (2008-2015). • Director of Operations and Systems of Bank Victoria (2008-2015).
Sertifikasi Certifications
Sertifikasi bidang Manajemen Risiko Perbankan Level 5 dari Lembaga Level 5 of Risk Management Certification from the Banking Professional
Sertifikasi Profesi Perbankan (2019-2021). Certification Institute (2019-2021).
Keterangan Description
Telah lulus fit and proper test Otoritas Jasa Keuangan pada 15 September 2015. Has passed the fit and proper test from the Financial Services Authority on
15 September 2015.
Hubungan Afiliasi Affiliation Relationship

Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Does not have affiliation relationship with other members of Board of
lainnya, anggota Direksi, serta Pemegang Saham Utama dan Pengendali. Commissioners, members of Board of Directors, and Main and Controlling
Shareholders.

2
Gunawan Tenggarahardja
Komisaris/ Komisaris Independen
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Malang Malang
• Surat Keputusan RUPS Luar Biasa tanggal 24 Februari 2003 (2003-2007); • Extraordinary GMS Resolutions dated 24 February 2003 (2003-2007);
• Surat Keputusan RUPS Luar Biasa tanggal 19 Desember 2007 (2007-2010); • Extraordinary GMS Resolutions dated 19 December 2007 (2007-2010);

Sarjana Teknik Sipil dari Institut Teknologi Bandung (1981). Bachelor of Civil Engineering from Institut Teknologi Bandung (1981).

• Komisaris Independen PT Jakarta Setiabudi Internasional Tbk • Independent Commissioner of PT Jakarta Setiabudi Internasional Tbk
(sejak 2004); (since 2004);
• Ketua Komite Nominasi dan Remunerasi Bank Victoria (sejak 2012); • Chairman of Nomination and Remuneration Committee of Bank
Victoria (since 2012);
• Ketua Komite Audit Bank Victoria (sejak 2015); dan • Chairman of Audit Committee of Bank Victoria (since 2015); and
• Anggota Komite Tata Kelola Terintegrasi Bank Victoria (sejak 2017). • Member of Integrated Governance Committee of Bank Victoria
(since 2017).

• International Field Engineer 1 Schlumberger OSA (1982-1984); • International Field Engineer 1 of Schlumberger OSA (1982-1984);
• Assistant Manager PT Bank Bali (1985-1988); • Assistant Manager of PT Bank Bali (1985-1988);
• General Manager PT Sampoerna Transport Nusantara (1989-1992); • General Manager of PT Sampoerna Transport Nusantara (1989-1992);
• Direktur Eksekutif pada PT Duta Pertiwi Tbk (1992-1996); • Executive Director of PT Duta Pertiwi Tbk (1992-1996);
• Direktur PT Bhuwanatala Indah Permai Tbk (1996-1998); dan • Director of PT Bhuwanatala Indah Permai Tbk (1996-1998); and
• Komisaris Utama PT Sigma Karya Sempurna (Bali Camp) (1998-2004). • President Commissioner of PT Sigma Karya Sempurna (Bali Camp)
(1998-2004).
Sertifikasi bidang Manajemen Risiko Level 5 dari Lembaga Sertifikasi Level 5 of Risk Management Certification from the Banking Professional
Profesi Perbankan (2019-2021). Certification Institute (2019-2021).
• Sebagai Komisaris: • As Commissioner:
Telah lulus fit and proper test Bank Indonesia pada 22 April 2003; dan Passed the fit and proper test from Bank Indonesia on 22 April 2003; and
• Sebagai Komisaris Independen: • As Independent Commissioner:
Telah lulus fit and proper test Bank Indonesia pada 13 September 2003. Passed the fit and proper test from Bank Indonesia on 13 September 2003.

Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Does not have affiliation relationship with other members of Board of
lainnya, anggota Direksi, serta Pemegang Saham Utama dan Pengendali. Commissioners, members of Board of Directors, and Main and Controlling
Shareholders.

3
Zaenal Abidin, PhD
Indonesia Indonesia
Usia Age
Domisili Domicile
Depok Depok

Sukabumi Sukabumi

• Sarjana Ekonomi dari Universitas Islam Indonesia, Yogyakarta (1987); • Bachelor of Economics from Universitas Islam Indonesia, Yogyakarta
(1987);
• Master Manajemen dari ASIAN Institute of Management (AIM), Filipina • Master of Management from ASIAN Institute of Management (AIM), the
(1997); dan Philippines (1997); and
• Doctor of Philosophy dari Santo Tomas University, Filipina (2006). • Doctor of Philosophy from Santo Tomas University, the Philippines (2006).

• Dosen Sekolah Tinggi Ilmu Ekonomi Indonesia Banking School • Lecturer of Sekolah Tinggi Ilmu Ekonomi Indonesia Banking School
(sejak 2013); (since 2013);
• Ketua Komite Pemantau Risiko Bank Victoria (sejak 2013); • Chairman of Risk Monitoring Committee of Bank Victoria (since 2013);
• Ketua Komite Tata Kelola Terintegrasi Grup Victoria (sejak 2015); dan • Chairman of Integrated Governance Committee of Victoria Group
(since 2015); and
• Asesor Manajemen Risiko Pasar Modal (sejak 2016). • Assessor of Risk Management of Capital Market (since 2016).

• Pro Manager Treasury dan Analisa Bidang Dana Perbankan Bank • Pro Manager Treasury and Analysis in Banking Fund Sector of Bank
Summa (1989-1992); Summa (1989-1992);
• Dosen Perbanas Institute (1993-2015); • Lecturer of Perbanas Institute (1993-2015);
• Koordinator Staf Khusus Bidang Riset Asosiasi Perbanas (2011-2012); • Coordinator of Special Staff of Research Field of Perbanas Association
dan (2011-2012); and
• Peneliti senior GCG Indonesia Institute Corporate Governance • GCG Senior Researcher of Indonesia Institute of Corporate Governance
(2008-2018). (2008-2018).
• Sertifikasi bidang Kepatuhan Perbankan Level Executive dari • Certification in Banking Compliance, Executive Level, from the
Lembaga Sertifikasi Profesi Perbankan (2017-2020); Banking Profession Certification Institute (2017-2020);
• Sertifikasi bidang Manajemen Risiko Perbankan Level 2 dari Lembaga • Certification in Banking Risk Management, Level 2, from the Banking
Sertifikasi Profesi Perbankan (2017-2021); Profession Certification Institute (2017-2021);
• Sertifikasi bidang Keahlian Profesi Pasar Modal sebagai Wakil Manajer • Certification in Capital Market Professional Expertise as Deputy
Investasi dari The Indonesia Capital Market Institute (2018-2021); Investment Manager from The Indonesia Capital Market Institute
(2018-2021);
• Sertifikasi bidang Manajemen Risiko Level Utama dari Lembaga • Certification in Risk Management, Main Level, from the Banking
Sertifikasi Profesi Pasar Modal (2019-2022); dan Profession Certification Institute (2019-2022); and
• Sertifikasi bidang Asesor Kompetensi Level Asesmen/Uji Kompetensi • Certification in Competency Assessment, Assessment Level/
dari Lembaga Sertifikasi Profesi Perbankan (2019-2022). Competency Test from the Banking Profession Certification Institute
(2019-2022).
Telah lulus fit and proper test Bank Indonesia pada 27 September 2012. Passed the fit and proper test from Bank Indonesia on 27 September 2012.

Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, Does not have affiliation relationship with other members of Board of
anggota Direksi, serta Pemegang Saham Utama dan Pengendali. Commissioners, members of Board of Directors, and Main and Controlling
Shareholder.

Profil Direksi
// Profile of the Board of Directors
1. AHMAD FAJAR
Direktur Utama
President Director
2 3
2. RUSLI
Wakil Direktur Utama
Deputy President Director
3. LEMBING
Direktur Bisnis
Director of Business
4 5 4. DEBORA WAHJUTIRTO
TANOYO
Direktur Keuangan
Director of Finance
5. TAMUNAN
Direktur Kepatuhan
dan Manajemen Risiko
Director of Compilance
and Risk Management

1
Ahmad Fajar
Direktur Utama
President Director
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Solo Solo
• Surat Keputusan RUPS Tahunan tanggal 18 Mei 2018 • Annual GMS Resolutions dated 18 May 2018 (2018-2019); and
(2018-2019); dan
• Surat Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019 (2019-2022).
(2019-2022).

• Sarjana Ekonomi Pertanian dari Institut Pertanian Bogor, Bogor (1988); • Bachelor of Agriculture Economics from Bogor Agricultural Institute,
dan Bogor (1988); and
• Magister Keuangan dari Universitas Padjajaran, Bandung (2000). • Master of Finance from Padjajaran University, Bandung (2000).

- -

• Menjabat di Bank Bumi Daya dengan jabatan terakhir sebagai Analis • Held positions in Bank Bumi Daya with the last position as Analyst
(1990-1995); (1990-1995);
• Vice President-Head of Fixed Income dan Capital Market, Treasury • Vice President - Head of Fixed Income and Capital Market, Treasury
Group PT Bank Mandiri (Persero) (2000-2002); Group of PT Bank Mandiri (Persero) (2000-2002);
• Direktur Treasury dan International Banking PT Bank Mutiara Tbk • Director of Treasury and International Banking of PT Bank Mutiara Tbk
(2008-2013). (2008-2013).
• Direktur Utama PT Bank Mutiara Tbk (2014-2015); • President Director of PT Bank Mutiara Tbk (2014-2015);
• Direktur Utama PT Bank J Trust Indonesia Tbk ( 2015-2016); dan • President Director of PT Bank J Trust Indonesia Tbk (2015-2016); and
• Komisaris PT Bank J Trust Indonesia Tbk (2016-2018). • Commissioner of PT Bank J Trust Indonesia Tbk (2016-2018).
Sertifikasi Profesi Perbankan (2019-2021); dan Profession Certification Institute (2019-2021); and
• Sertifikasi bidang Treasury Dealer Level Advance dari Lembaga • Certification in Treasury Dealer, Advance Level, from the Banking
Sertifikasi Profesi Perbankan (2019-2022). Profession Certification Institute (2019-2022).
Telah lulus fit and proper test Otoritas Jasa Keuangan pada 30 Oktober 2018. Has passed the fit and proper test from the Financial Services Authority
on 30 October 2018.

Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota Does not have affiliation relationship with other members of Board of
Dewan Komisaris, serta Pemegang Saham Utama dan Pengendali. Directors, members of Board of Commissioners, and Main and Controlling
Shareholders.

2
Rusli
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Tebing Tinggi Tebing Tinggi
• Surat Keputusan RUPS Luar Biasa tanggal 29 Februari 2016 (2016); • Extraordinary GMS Resolutions dated 29 February 2016 (2016);

Insinyur jurusan Teknik Industri dari Universitas Trisakti, Jakarta (1993). Engineer of Industrial Engineering from Trisakti University, Jakarta (1993).

- -

• Menjabat di PT Bank QNB Indonesia Tbk sebagai: • Held positions at PT Bank QNB Indonesia Tbk as:
• Head of Treasury (2000-2002); • Head of Treasury (2000-2002);
• Direktur Treasury (2002-2009); • Director of Treasury (2002-2009);
• Direktur Bisnis (2009-2012); • Director of Business (2009-2012);
• Direktur Operasional (2012-2016); dan • Director of Operations (2012-2016); and
• Direktur Operasi dan Sistem Bank Victoria (2016). • Director of Operations and Systems of Bank Victoria (2016).
Telah lulus fit and proper test Otoritas Jasa Keuangan pada 16 Mei 2016. Has passed the fit and proper test from the Financial Services Authority
on 16 May 2016.

Shareholders.

3
Lembing
Direktur Bisnis
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Pekanbaru Pekanbaru
• Surat Keputusan RUPS Tahunan tanggal 18 Mei 2018 (2018-2019); dan • Annual GMS Resolutions dated 18 May 2018 (2018-2019); and

Sarjana Ekonomi dari Universitas Tarumanegara (1989). Bachelor of Economic from Tarumanegara University (1989).

- -

• Export Import Staff Golden Dragon (1988-1989); • Export Import Staff of Golden Dragon (1988-1989);
• Kepala Wilayah Jakarta dan Kalimantan Bank Lippo (1989-2008); • Head of Jakarta and Kalimantan Regions of Bank Lippo (1989-2008);
• Small Medium Enterprise Head Bank Danamon (2008-2009); • Small and Medium Enterprise Head of Bank Danamon (2008-2009);
• Small Medium Enterprise Head and Emerging Business Maybank • Small and Medium Enterprise Head and Emerging Business of Maybank
(2009-2012); (2009-2012);
• Direktur PT Elang Kurnia Sakti (2012-2017); • Director of PT Elang Kurnia Sakti (2012-2017);
• Direktur PT Agung Kimia Cemerlang (2012-2017); • Director of PT Agung Kimia Cemerlang (2012-2017);
• Komisaris PT Agung Kimia Cemerlang (2015-2017); dan • Commissioner of PT Agung Kimia Cemerlang (2015-2017); and
• Small Medium Enterprise Head Maybank (2017-2018). • Small and Medium Enterprise Head of Maybank (2017-2018).
Sertifikasi bidang Manajemen Risiko Perbankan 5 dari Lembaga Sertifikasi Level 5 of Risk Management Certification from the Banking Professional
Telah lulus fit and proper test Otoritas Jasa Keuangan pada 30 Oktober Has passed the fit and proper test from the Financial Services Authority on
2018. 30 October 2018

Shareholders.

4
Debora Wahjutirto Tanoyo
Direktur Keuangan
Director of Finance
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Surabaya Surabaya
• Surat Keputusan RUPS Tahunan tanggal 18 Mei 2018 (2018-2019); dan • Annual GMS Resolutions dated 18 May 2018 (2018-2019); and

• Bachelor of Science dari University of San Francisco, California (2006); • Bachelor of Science from University of San Fransisco, California
dan (2006); and
• Master of Business Administration dari University of San Fransisco, • Master of Business Administration from University of San Fransisco,
California (2009). California (2009).

- -

• Assurance Staff Burr Pilger and Mayer LLP, San Francisco • Assurance Staff of Burr Pilger and Mayer LLP, San Francisco
(2007-2008); (2007-2008);
• Senior Associate 2 Ernst and Young LLP, Singapore (2011-2013); • Senior Associate 2 of Ernst & Young LLP, Singapore (2011-2013);
• Finance Manager PT Victoria Investama (2013-2014); • Finance Manager of PT Victoria Investama (2013-2014);
• Senior Staf Manajemen Risiko Bank Victoria (2014-2015); • Senior Staff of Risk Management of Bank Victoria (2014-2015);
• Direktur PT Victoria Investama Tbk (2014-2018); dan • Director of PT Victoria Investama Tbk (2014-2018); and
• Komisaris Bank Victoria (2016-2018). • Commissioner of Bank Victoria (2016-2018).
Sertifikasi bidang Manajemen Risiko Perbankan 5 dari Lembaga Sertifikasi Level 5 of Risk Management Certification from the Banking Professional
Telah lulus fit and proper test Otoritas Jasa Keuangan pada 22 November Has passed the fit and proper test from the Financial Services Authority on
2018. 22 November 2018.

Tidak memiliki hubungan afiliasi dengan Dewan Komisaris dan Direksi. Does not have affiliation relationship with the Board of Commissioners and
Namun, memiliki hubungan afiliasi dengan Pemegang Saham Pengendali. Board of Directors. However, has affiliation relationship with Controlling
Shareholder.

5
Tamunan
Direktur Kepatuhan dan Manajemen Risiko
Director of Compilance and Risk Management
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Banjarmasin Banjarmasin
• Surat Keputusan RUPS Tahunan tanggal 24 Juni 2016 (2016-2019); dan • Annual GMS Resolution dated 24 June 2016 (2016-2019); and

• Sarjana Ekonomi bidang Akuntansi dari Universitas Lambung • Bachelor of Economic, majoring in Accounting from Lambung
Mangkurat, Banjarmasin (1990); dan Mangkurat University, Banjarmasin (1990); and
• Magister Manajemen bidang Manajemen Risiko dari Universitas • Master of Management, majoring in Risk Management from Universitas
Indonesia, Jakarta (2008). Indonesia, Jakarta (2008).

- -

• Staf Audit Kantor Akuntan Publik Drs. Santoso (1987-198); • Audit Staff of Public Accountant Firm of Drs. Santoso (1987-198);
• Kepala Bagian Administrasi dan Umum PT Winduintan Deltatama • Head of Administration and General Affairs Department of PT
(Muda Jaya Group) Banjarmasin (1988-1990); Winduintan Deltatama (Muda Jaya Group), Banjarmasin (1988-1990);
• Kepala Kantor Bank Andromeda (1990-1997); • Office Head of Bank Andromeda (1990-1997);
• Kepala Kantor Bank Alfa, Menara Kebon Sirih (1997-1999); • Office Head of Bank Alfa, Menara Kebon Sirih (1997-1999);
• Staf Badan Penyehatan Perbankan Nasional (BPPN) (1999); • Staff of Indonesian Bank Restructuring Agency (BPPN) (1999);
• Manajer Operasional PT Victoria Sekuritas (1999-2001); • Manager of Operations of PT Victoria Securities (1999-2001);
• Head of Operation and Compliance PT Mahastra Capital (2001-2003); • Head of Operation and Compliance of PT Mahastra Capital
dan (2001-2003); and
• Direktur Operasi Bank Victoria (2007-2008). • Director of Operations of Bank Victoria (2007-2008).
Telah lulus fit and proper test Bank Indonesia pada 24 Maret 2009. Passed the fit and proper test from Bank Indonesia on 24 March 2009.

Shareholders.

Profil Komite Pemantau Risiko

// Risk Monitoring Committee Profile
Zaenal Abidin, PhD Profil Zaenal Abidin, PhD dapat dilihat pada bagian Profil Dewan Komisaris.
Ketua Komite Pemantau Risiko Zaenal Abidin, PhD’s profile can be seen in the Board of Commissioners’ Profile section.
Chairman of Risk Monitoring Committee
Dasar Pengangkatan dan

Surat Keputusan Direksi No. 005/SK-DIR/09/19 tanggal 13 September 2019 (2019-2020).
Periode Menjabat Board of Directors’ Decision Letter No. 005/SK-DIR/09/19 dated 13 September 2019 (2019-2020).
Basis of Appointment and Term of Office
Oliver Simorangkir Profil Oliver Simorangkir dapat dilihat pada bagian Profil Dewan Komisaris.
Anggota Komite Pemantau Risiko Oliver Simorangkir’s can be seen in the Board of Commissioners’ Profile section.
Member of Risk Monitoring Committee
Dasar Pengangkatan dan Periode

Surat Keputusan Direksi No. 005/SK-DIR/09/19 tanggal 13 September 2019 (2019-2020).
Menjabat Board of Directors’ Decision Letter No. 005/SK-DIR/09/19 dated 13 September 2019 (2019-2020).
Basis of Appointment and Term of Office
Retno Dwijanti Widaningsih

Anggota Komite Pemantau Risiko
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta
Surat Keputusan Direksi No. 005/SK-DIR/09/19 tanggal 13 September 2019 Board of Directors’ Decision Letter No. 005/SK-DIR/09/19 dated 13
(2019-2020). September 2019 (2019-2020).

Sarjana Ekonomi jurusan Keuangan dan Perbankan dari Institut Bankir Bachelor of Economics, majoring in Finance and Banking from Indonesia
Indonesia (1998). Banker’s Institute (1998).

• Anggota Komite Audit Bank Victoria (sejak 2013); dan • Member of Audit Committee of Bank Victoria (since 2013); and
• Anggota Komite Tata Kelola Terintegrasi Bank Victoria (sejak 2015). • Member of Integrated Governance Committee of Bank Victoria
(since 2015).

Head of Group Audit Deutsche Bank AG, Jakarta (2001–2006). Head of Group Audit of Deutsche Bank AG, Jakarta (2001–2006).
Sertifikasi Certification
Certification Risk Management dari Lembaga Sertifikasi Profesi Perbankan Certification Risk Management from the Banking Profession Certification
(LSPP): Institute (LSPP):
• Level 1 Risk Management (2016); • Level 1 Risk Management (2016);
• Level 2 Risk Management (2017); dan • Level 2 Risk Management (2017); and
• Level 3 Risk Management (2018). • Level 3 Risk Management (2018).

Yozef Abdulrachman
Anggota Komite Pemantau Risiko
Indonesia Indonesia
Usia Age
Domisili Domicile
Tangerang Tangerang

Tasikmalaya Tasikmalaya
Surat Keputusan Direksi No. 005/SK-DIR/09/19 tanggal 13 September 2019 Board of Directors’ Decision Letter No. 005/SK-DIR/09/19 dated 13 September 2019
(2019-2020). (2019-2020).

Sarjana Matematika dari Universitas Padjadjaran, Bandung (1983). Bachelor of Mathematics from Padjajaran University, Bandung (1983).

• Konsultan dan Trainer Bidang Manajemen Risiko (sejak 2010); • Consultant and Trainer of Risk Management sector (since 2010);
• Trainer dan Fasilitator Pembekalan Sertifikasi Manajemen Risiko dan • Trainer and Facilitator for Risk Management Certification and Risk
Surveilance/Refreshment Manajemen Risiko (sejak 2011); Management Surveillance/Refreshment (since 2011);
• Konsultan Manajemen Risiko Operasional PT Bank Agro Tbk (2011); • Operational Risk Management Consultant of PT Bank Agro Tbk (2011);
• Konsultan Manajemen Risiko Operasional PT Bank Mutiara Tbk (2013); • Operational Risk Management Consultant of PT Bank Mutiara Tbk (2013);
• Konsultan Mapping dan Pengukuran Eksposur Corporate Loans Portfolio • Mapping Consultant and Corporate Loans Portfolio Exposure Measurement of
PT Perusahaan Gas Negara Tbk (2014); dan PT Perusahaan Gas Negara Tbk (2014); and
• Konsultan PT Bank Perkreditan Rakyat Sumber Artha Waru Agung, Sidoarjo • Consultant of PT Bank Perkreditan Rakyat Sumber Artha Waru Agung, Sidoarjo
(2018). (2018).
Selain itu, menjabat di Bank Victoria sebagai: In addition, held positions at Bank Victoria as:
• Anggota Komite Pemantau Risiko (sejak 2019); • Member of Risk Monitoring Committee (since 2019);
• Anggota Komite Audit (sejak 2019); dan • Member of Audit Committee (since 2019); and
• Anggota Komite Tata Kelola Terintegrasi (sejak 2019). • Member of Integrated Governance Committee (since 2019).

a. Menjabat di PT Bank Dagang Negara sebagai: a. Held positions at PT Bank Dagang Negara as:
• Officer Development Program (ODP) (1985-1986); • Officer Development Program (ODP) (1985-1986);
• System and Procedure Department Staff - Electronic Data Processing • System and Procedure Department Staff - Electronic Data Processing
Desk (1986-1987); Desk (1986-1987);
• Technical Support Department Staff - Electronic Data Processing Desk (1988- • Technical Support Department Staff - Electronic Data Processing Desk
1989); (1988-1989);
• Setup MIDAS Application System, Los Angeles Agency, Los Angeles, USA • MIDAS Application System Setup, Los Angeles Agency, Los Angeles, USA
(1989); (1989);
• Programmer III - Electronic Data Processing Desk (1989-1990); • Programmer III - Electronic Data Processing Desk (1989-1990);
• Kepala Seksi Pengembangan Sistem Aplikasi – Divisi Informasi Teknologi • Head of Application System Development Section - Information
(1991-1994); Technology Division (1991-1994);
• Kepala Bagian Operasi Komputer – Divisi Informasi Teknologi • Head of Computer Operations Division - Information Technology Division
(1995-1996); dan (1995-1996); and
• Kepala Bagian Dukungan Pengguna – Divisi Informasi Teknologi • Head of User Support Section - Information Technology Division
(1997-1998). (1997-1998).
b. Menjabat di PT Bank Mandiri Tbk sebagai: b. Held positions at PT Bank Mandiri Tbk as:
• Project Manager Y2K (Legacy PT Bank Dagang Negara) (1999); • Y2K Project Manager (Legacy of PT Bank Dagang Negara) (1999);
• Group Head, Branch IT Deployment - IT Retail Banking Services Delivery • Group Head, IT Deployment Branch - IT Retail Banking Services Delivery
Division (1999-2000); Division (1999-2000);
• Integrasi Sistem Aplikasi Core Banking (implementasi 600 cabang) • Core Banking Application System Integration (600 branches
(1999-2000); implementation) (1999-2000);
• Senior Manager of Operational Risk Management Review - Operational Risk • Senior Manager of Operational Risk Management Review - Operational Risk
Department - Portfolio and Operational Risk Management Group (2001-2004); Department - Portfolio and Operational Risk Management Group (2001-2004);
• Team Leader of Business Line II - Operational Risk Department - Portfolio and • Team Leader of Business Line II - Operational Risk Department - Portfolio
Operational Risk Management Group (2005-2006); and Operational Risk Management Group (2005-2006);
• Trainer, implementasi and Workshop Manajemen Risiko Operasional kepada • Trainer, implementation and Workshop on Operational Risk Management
ORM Coordinator Kantor Wilayah, Kantor Pusat, dan Kantor Cabang Timor to ORM Coordinators for Regional Offices, Head Office, and Branch
Leste (2006-2010); Offices of Timor Leste (2006-2010);
• Team Leader of Policy - Operational Risk Department - Market and Operational • Team Leader of Policy - Operational Risk Department - Market and
Risk Group (2007-2008); dan Operational Risk Group (2007-2008); and
• Team Leader of MIS - Operational Risk Department - Market and Operational • Team Leader of MIS - Operational Risk Department - Market and
Risk Group (2009-2010). Operational Risk Group (2009-2010).
• Manajemen Umum Perbankan (MCB), Lembaga Pengembangan Perbankan • Banking General Management (MCB), Indonesian Banking Development
Indonesia (1990); Institute (1990);
• Kursus Pimpinan Cabang (BMC), Lembaga Pengembangan Perbankan Indonesia • Branch Management Course (BMC), Indonesian Banking Development Institute
(1996); (1996);
• BASE-24 Applied Communications Inc.(ACI), Nebrashka, USA (1996); • BASE-24 Applied Communications Inc. (ACI), Nebraska, USA (1996);
• Badan Sertifikasi Manajemen Risiko Level 1 (2005); • Level 1 of Risk Management Certification Agency (2005);
• Public Speaking and Business Presentation Tantowi Yahya Public Speaking School • Public Speaking and Business Presentation of Tantowi Yahya Public Speaking
(2006); School (2006);
• Project Management Workshop ABN Amro (2006); • Project Management Workshop of ABN Amro (2006);
• Effective Interview Technique Bagus Brain Communication (2006); • Effective Interview Technique of Bagus Brain Communication (2006);
• Badan Sertifikasi Manajemen Risiko Level 2 (2007); • Level 2 of Risk Management Certification Agency (2007);
• Training Design Delivery, Risk Management Academy PT Bank Mandiri Tbk • Design Delivery Training, Risk Management Academy, PT Bank Mandiri Tbk
(2009); (2009);
• Training for Trainers Risk Management Certification Level 2, Bankers • Training for Trainers of Risk Management Certification Level 2, Bankers
Association for Risk Management (2010); dan Association for Risk Management (2010); and
• Risk Management Certification Refreshment Program, Bankers Association for • Risk Management Certification Refreshment Program, Bankers Association
Risk Management (2015). for Risk Management (2015).

Profil Komite Nominasi dan Remunerasi

// Nomination and Remuneration Committee Profile
Profil Gunawan Tenggarahardja dapat dilihat pada bagian Profil Dewan Komisaris.
Ketua Komite Nominasi dan Remunerasi
Gunawan Tenggarahardja’s profile can be seen in the Board of Commissioners’ Profile section.
Chairman of Nomination and Remuneration
Committee
Dasar Pengangkatan dan Periode Menjabat Surat Keputusan Direksi No. 007/SK-DIR/07/18 tanggal 26 Juli 2018 (2018-2021).
Basis of Appointment and Term of Office Board of Directors’ Decision Letter No. 007/SK-DIR/07/18 dated 26 July 2018 (2018-2021).
Oliver Simorangkir
Profil Oliver Simorangkir dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan Tahunan ini.
Anggota Komite Nominasi dan Remunerasi
Oliver Simorangkir’s profile can be seen in the Board of Commissioners’ Profile section of this
Member of Nomination and Remuneration Annual Report.
Committee
Dasar Pengangkatan dan Periode Menjabat Surat Keputusan Direksi No. 007/SK-DIR/07/18 tanggal 26 Juli 2018 (2018-2021).
Basis of Appointment and Term of Office Board of Directors’ Decision Letter No. 007/SK-DIR/07/18 dated 26 July 2018 (2018-2021).
Syahda Candra
Anggota Komite Nominasi dan Remunerasi
Member of Nomination and Remuneration Committee
Indonesia Indonesia
Usia Age
45 Tahun 45 Years Old
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta
Surat Keputusan Direksi No. 007/SK-DIR/07/18 tanggal 26 Juli 2018 Board of Directors’ Decision Letter No. 007/SK-DIR/07/18 dated 26 July 2018
(2018-2021). (2018-2021).

Sarjana Psikologi dari Universitas UPI YAI, Jakarta (1998). Bachelor of Psychology from UPI YAI University, Jakarta (1998).

Kepala Divisi Human Capital Management and General Affair Bank Victoria Head of Human Capital Management and General Affair Division of Bank
(sejak 2017). Victoria (since 2017).

• Senior Staff Human Resource Department (Recruitment and Man Power) • Senior Staff of Human Resource Department (Recruitment and Man
PT Bank Ekonomi (1997 – 2000); Power) of PT Bank Ekonomi (1997-2000);
• Assistant Manager Human Resource Department PT Hawaii Confectionery • Assistant Manager of Human Resource Department of PT Hawaii
Factory (2001–2002); dan Confectionery Factory (2001–2002); and
• Supervisor Human Resource Department PT JS Multi Collection (2002– • Supervisor of Human Resource Department of PT JS Multi
2003). Collection(2002–2003).
Menjabat di Bank Victoria sebagai: Held positions at Bank Victoria as:

• Kepala Divisi Human Resource and General Affair (2003–2012); dan • Head of Human Resources and General Affairs Division (2003–2012); and
• Kepala Divisi Human Capital Management (2012–2017). • Head of Human Capital Management (2012–2017).
Sertifikasi Manajemen Risiko Level 4 dari Lembaga Sertifikasi Profesi Risk Management Certification, Level 4, from the Banking Profession
Perbankan. Certification Institute.

Profil Komite Audit

// Audit Committee Profile
Ketua Komite Audit
Gunawan Tenggarahardja’s profile can be seen in the Board of Commissioners’ Profile section.
Chair of Audit Committee
Dasar Pengangkatan dan Periode Menjabat Surat Keputusan Direksi No. 006/SK-DIR/09/19 tanggal 13 September 2019 (2019-2020).
Basis of Appointment and Term of Office Board of Directors’ Decision Letter No. 006/SK-DIR/09/19 dated 13 September 2019 2019-2020).

Profil Retno Dwijanti Widaningsih dapat dilihat pada bagian Profil Komite Pemantau Risiko.
Anggota Komite Audit
Retno Dwijanti Widaningsih’s profile can be seen in the Risk Monitoring Committee Profile section.
Member of Audit Committee
Basis of Appointment and Term of Office Board of Directors’ Decision Letter No. 006/SK-DIR/09/19 dated 13 September 2019 (2019-2020).
Yozef Abdulrachman
Profil Yozef Abdulrachman dapat dilihat pada bagian Profil Komite Pemantau Risiko.
Anggota Komite Audit
Yozef Abdulrachman’s profile can be seen in the Risk Monitoring Committee Profile section.
Member of Audit Committee
Basis of Appointment and Term of Office Board of Directors’ Decision Letter No. 006/SK-DIR/09/19 dated 13 September 2019 (2019-2020).
Profil Komite Tata Kelola Terintegrasi

// Integrated Governance Committee’s Profile
Zaenal Abidin, PhD

Profil Zaenal Abidin, PhD dapat dilihat pada bagian Profil Dewan Komisaris.
Ketua Komite Tata Kelola Terintegrasi
Zaenal Abidin, PhD’s profile can be seen in the Board of Commissioners’ Profile section.
Chairman of Integrated Governance
Committee
Dasar Pengangkatan dan Periode Menjabat Surat Keputusan Direksi No. 003/SK-DIR/08/17 tanggal 8 Agustus 2017.
Basis of Appointment and Term of Office Board of Directors’ Decision Letter No. 003/SK-DIR/08/17 dated 8 August 2017.

Anggota Komite Tata Kelola Terintegrasi
Gunawan Tenggarahardja’ profile n in the Board of Commissioners’ Profile section.
Member of Integrated Governance Committee
Oliver Simorangkir
Profil Oliver Simorangkir dapat dilihat pada bagian Profil Dewan Komisaris.
Oliver Simorangkir’s can be seen in the Board of Commissioners’ Profile section.
Djoko Nugroho
Indonesia Indonesia
Usia Age
Domisili Domicile
Tangerang Selatan South Tangerang

Klaten Klaten
Surat Keputusan Direksi No. 003/SK-DIR/08/17 tanggal 8 Agustus 2017. Board of Directors’ Decision Letter No. 003/SK-DIR/08/17 dated 8 August
2017.

Sarjana Matematika dari Institut Teknologi Bandung (1986). Bachelor of Mathematics from Institut Teknologi Bandung (1986).

Komisaris Independen Bank Victoria Syariah (sejak 2016). Independent Commissioner of Bank Victoria Syariah (since 2016).

Direktur Kepatuhan dan Operasional Bank Victoria Syariah (2010-2016). Director of Compliance and Operations of Bank Victoria Syariah (2010-2016).
- -

Aldo Tjahaja
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta
Surat Keputusan Direksi No. 003/SK-DIR/08/17 tanggal 8 Agustus 2017. Board of Directors’ Decision Letter No. 003/SK-DIR/08/17 dated 8 August
2017.

• Bachelor of Science dari University of Oregon, USA (1995); dan • Bachelor of Science from University of Oregon, USA (1995); and
• Master of Management Executive dari Binus Business School, Jakarta (2013). • Master of Management Executive from Binus Business School, Jakarta (2013).

• Direktur Utama PT Victoria Investama Tbk (sejak 2009); dan • President Director of PT Victoria Investama Tbk (since 2009); and
• Komisaris Utama PT Victoria Sekuritas Indonesia (sejak 2012). • President Commissioner of PT Victoria Sekuritas Indonesia (since 2012).

• Analis Kredit PT Bank Aspac (1995-1996); • Credit Analyst of PT Bank Aspac (1995-1996);
• Equity Sales PT Sasson Securities Indonesia (1996-1997); • Equity Sales of PT Sasson Securities Indonesia (1996-1997);
• Wakil Direktur Utama PT Ciptamahardhika Sekuritas (1997-1999); • Deputy President Director of PT Ciptamahardhika Sekuritas (1997-1999);
• Vice President PT Henan Putihrai Sekuritas (1999-2000); dan • Vice President of PT Henan Putihrai Sekuritas (1999-2000); and
• Direktur Asset Management PT Ekokapital Sekuritas (2003-2009). • Director of Asset Management of PT Ekokapital Sekuritas
(2003-2009).
Certified Investment Banking (CIB) (2019). Certified Investment Banking (CIB) (2019).
Hasanuddin
Indonesia Indonesia
Usia Age
Domisili Domicile
Tangerang Selatan South Tangerang

Majalengka Majalengka
Surat Keputusan Direksi No. 003/SK-DIR/08/17 tanggal 8 Agustus 2017. Board of Directors’ Decision Letter No. 003/SK-DIR/08/17 dated 8 August 2017.

• Sarjana Syariah dari Institut Agama Islam Negeri (IAIN), Jakarta (1974); • Bachelor of Sharia from the State Islamic Institute (IAIN), Jakarta (1974);
• Megister Agama dari Institut Agama Islam Negeri (IAIN), Jakarta (1989); • Master of Religion from the State Islamic Institute (IAIN), Jakarta (1989);
dan and
• Doktor dari Institut Agama Islam Negeri (IAIN), Jakarta (1994). • Doctor from the State Islamic Institute (IAIN), Jakarta (1994).

• Ketua Dewan Pengawas Syariah PT Penjaminan Jamkrindo Syariah • Chairman of Sharia Supervisory Board of PT Penjaminan Jamkrindo
(sejak 2005); Syariah (since 2005);
• Ketua Dewan Pengawas Syariah PT Asuransi Asei Indonesia Unit Usaha • Chairman of the Sharia Supervisory Board of PT Asuransi Asei Indonesia
Syariah (sejak 2008); Sharia Business Unit (since 2008);
• Dewan Pengawas PT Bank Victoria Syariah (sejak 2010); dan • Supervisory Board of PT Bank Victoria Syariah (since 2010); and
• Dosen Tetap Sekolah Pascasarjana UIN Syarif Hidayatullah Jakarta • Permanent Lecturer at UIN Syarif Hidayatullah Postgraduate School
(sejak 2016). Jakarta (since 2016).

Ketua Dewan Pengawas Syariah Asuransi Tripakarta (2002-2015). Chairman of Sharia Supervisory Board of Asuransi Tripakarta (2002-2015).
- -

Vikas Tolani
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

• Master of Science bidang Insurance and Risk Management dari Trinity College • Master of Science in Insurance and Risk Management from Trinity College
and University, USA (2004); dan and University, USA (2004); and
• Master of Business Administration dari Trinity College and University, USA • Master of Business Administration from Trinity College and University, USA
(2005). (2005).

• Direktur Utama PT Munich Lloyd International Brokers (sejak 2007); dan • President Director of PT Munich Lloyd International Brokers
(since 2007); and
• Komisaris Independen PT Victoria Insurance Tbk (sejak 2012). • Independent Commissioner of PT Victoria Insurance Tbk (since 2012).

Producer PT Asuransi QBE Pool Indonesia (2001-2007). Producer of PT Asuransi QBE Pool Indonesia (2001-2007).
Pancasilanomics dalam Pembangunan Sektor Keuangan dan Perbankan yang Pancasilanomics in the Development of Equitable Financial and Banking Sectors
Berkeadilan dalam Persepektif Nation-Wide Risk Management (2019). in the Nation-Wide Risk Management Perspective (2019).
Jejei Kurnia
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Sarjana Ekonomi bidang Akuntansi, Universitas Trisakti, Jakarta (1989). Bachelor of Economics, majoring in Accounting, Trisakti University, Jakarta
(1989).

• Direktur PT Kurnia Sejahtera Bersama (sejak 2015); dan • Director of PT Kurnia Sejahtera Bersama (since 2015); and
• Komisaris Independen PT Victoria Manajemen Investasi (sejak 2015). • Independent Commissioner of PT Victoria Manajemen Investasi
(since 2015).

• Direktur PT Bali Securities (2000-2010); • Director of PT Bali Securities (2000-2010);
• Direktur PT Reliance Securities Tbk (2010-2011); dan • Director of PT Reliance Securities Tbk (2010-2011); and
• Advisor PT PG Asset Management (2013). • Advisor of PT PG Asset Management (2013).
Sertifikasi Pasar Modal Wakil Perantara Pedagang Efek (WPPE) dan Wakil Capital Market Certification of Broker Dealer (WPPE) and WPEE Underwriter
Penjamin Emisi Efek WPEE (2019). (2019).

Hertanto Tjahyasurya
Indonesia Indonesia
Usia Age
63 Tahun 63 Year
Domisili Domicile
Jakarta Jakarta

Tangerang Tangerang

Sarjana Hukum dari Universitas Trisakti, Jakarta (1985). Bachelor of Law from Trisakti University, Jakarta (1985).

Komisaris PT Victoria Alife Indonesia (sejak 2018). Commissioner of PT Victoria Alife Indonesia (since 2018).

• Branch Manager Bank Umum Nasional (1985-1989); • Branch Manager of Bank Umum Nasional (1985-1989);
• Senior Relationship Manager Standar Charter Bank Indonesia • Senior Relationship Manager of Standard Charter Bank Indonesia (1989-
(1989-1990); 1990);
• Manajer Commercial Banking Bank Pacific (1990-1991); • Commercial Banking Manager of Bank Pacific (1990-1991);
• Deputy General Manager KPO Bank Bahari (1991-1993); • Deputy General Manager of KPO Bank Bahari (1991-1993);
• Direktur Utama Bank Sinergy (1993-1995); • President Director of Bank Sinergy (1993-1995);
• Direktur Utama Bank Mayora (1995-1998); • President Director of Bank Mayora (1995-1998);
• Direktur Utama Bank Bima (2000-2001); • President Director of Bank Bima (2000-2001);
• Direktur Utama Bank Harmoni (2004-2005); dan • President Director of Bank Harmoni (2004-2005); and
• Head of Branch Banking Group, Funding, and Wealth Management Bank • Head of Branch Banking Group, Funding, and Wealth Management of Bank
Victoria (2007-2017). Victoria (2007-2017).
Sertifikat Refreshment Manajemen Risiko Perbankan Level 4. Banking Risk Management Refreshment Certification Level 4.

Profil Retno Dwijanti Widaningsih dapat dilihat pada bagian Profil Komite Pemantau Risiko.
Retno Dwijanti Widaningsih’s profile can be seen in the Risk Monitoring Committee Profile section.
Yozef Abdulrachman
Profil Yozef Abdulrachman dapat dilihat pada bagian Profil Komite Pemantau Risiko.
Yozef Abdulrachman’s profile can be seen in the Risk Monitoring Committee Profile section.

Senior Executive Vice President (SEVP)

// Senior Executive Vice President (SEVP)
1. FERRY OKTAVIANUS Senior Executive Vice President

MANTIRI (SEVP) Corporate
Senior Executive Vice President

(SEVP) Finance, Accounting & 2. TOMI PARISIANTO
Strategic Performance Management WIBOWO
Senior Executive Vice President

(SEVP) Operations & Information
3. DARWINSYAH Technology

Profil Pejabat Eksekutif

// Executive Officers Profile
Ferry Oktavianus Mantiri

Senior Executive Vice President (SEVP) Corporate Banking
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Denpasar Denpasar
Dasar Pengangkatan Basis of Appointment

Surat Keputusan Direksi No. 026/SK-DIR/HCM/06/19 tanggal 26 Juni 2019. Board of Directors’ Decision Letter No. 026/SK-DIR/HCM/06/19 dated 26
June 2019.

Sarjana Ekonomi bidang Akuntansi dari Universitas Airlangga, Surabaya Bachelor of Economics, majoring in Accounting from Airlangga University,
(1988). Surabaya (1988).

Head Commercial Banking 1 Bank CIMB Niaga. Head of Commercial Banking 1 of Bank CIMB Niaga.
Tomi Parisianto Wibowo

Senior Executive Vice President (SEVP) Finance, Accounting & Strategic Performance Management
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Surat Keputusan Direksi No. 007/SK-DIR/HCM/01/19 tanggal 2 Januari 2019. Board of Directors’ Decision Letter No. 007/SK-DIR/HCM/01/19 dated 2
January 2019.

Sarjana Ekonomi dari Universitas Indonesia, Depok (1997). Bachelor of Economics from Universitas Indonesia, Depok (1997).

Head Finance and Accounting Bank QNB. Head of Finance and Accounting of Bank QNB.
• Certified Public Accountant (CPA) dari Ikatan Akuntan Publik Indonesia • Certified Public Accountant (CPA) from the Indonesian Institute of
(2002); dan Certified Public Accountants (2002); and
• Chartered Accountant (CA) dari Ikatan Akuntan Indonesia (2014) ); dan • Chartered Accountant (CA) from the Indonesian Institute of Accountants
(2014); and
• Sertifikasi Manajemen Risiko Level 4 dari Lembaga Sertifikasi Profesi • Risk Management Certification, Level 4, from the Banking Profession

Darwinsyah
Senior Executive Vice President (SEVP) Operations & Information Technology
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Selatan Sourth Jakarta

Medan Medan

Surat Keputusan Direksi No. 024/SK-DIR/HCM/09/19 tanggal 1 Oktober 2019. Board of Directors’ Decision Letter No. 024/SK-DIR/HCM/09/19 dated 1
October 2019.

Sarjana Teknik Informatika Universitas Gunadarma, Jakarta. Bachelor of Informatics Engineering, Gunadarma University, Jakarta.

Head IT Bulog. IT Head of Bulog.
Perbankan; dan Certification Institute; and
• Sertifikasi Waperd dari Asosiasi Pengelola Reksa Dana Indonesia. • Waperd Certification from the Indonesian Mutual Fund Management
Association.
Djoko Soendjojo
Kepala Divisi SKAI Terintegrasi dan Anti-Fraud
Head of Integrated IAU and Anti-Fraud Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Surabaya Surabaya

January 2019.

Sarjana Ekonomi dari STIE Malangkucecwara Malang (1993). Bachelor of Economics from STIE Malangkucecwara, Malang (1993).

Kepala Divisi Administrasi Pengkreditan Bank Victoria. Head of Credit Administration Division of Bank Victoria.
• Sertifikasi Audit Intern Level Auditor dari Lembaga Sertifikasi Profesi • Internal Audit Certification, Auditor Level, from the Banking Profession

Hermawan
Kepala Divisi Manajemen Risiko/Terintegrasi
Head of Risk Management/Integrated Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Surat Keputusan Direksi No. 010/SK-DIR/HCM/07/15 tanggal 2 Juli 2015. Board of Directors’ Decision Letter No. 010/SK-DIR/HCM/07/15 dated 2 July 2015.

• Diploma III dari Akademi Borobudur, Jakarta (1992); • Diploma III from Borobudur Academy, Jakarta (1992);
• Sarjana Ekonomi dari Sekolah Tinggi Ilmu Ekonomi Yayasan Administrasi • Bachelor of Economics from Sekolah Tinggi Ilmu Ekonomi Yayasan
Indonesia, Jakarta (1995); dan Administrasi Indonesia, Jakarta (1995); and
• Magister Manajemen dari Sekolah Tinggi Ilmu Manajemen Labora, • Master of Management from Sekolah Tinggi Ilmu Manajemen Labora,
Jakarta (1997). Jakarta (1997).

Kepala Divisi Manajemen Risiko Bank Victoria (2013). Head of Risk Management Division of Bank Victoria (2013).
• International Certificate in Banking Risk and Regulation (ICBRR) dari Global • International Certificate in Banking Risk and Regulation (ICBRR) from the
Association of Risk Professional-Badan Sertifikasi Manajemen Risiko Global Association of Risk Professionals-Risk Management Certification
(GARP-BSMR); Agency (GARP-BSMR).
• Sertifikasi Kepatuhan Level 1 dari Lembaga Sertifikasi Profesi • Compliance Certification, Level 1, from the Banking Profession
Purwono
Kepala Divisi Internasional Banking
Head of International Banking Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Surat Keputusan Direksi No. 037/SK-DIR/HCM/08/18 tanggal 31 Agustus 2018. Board of Directors’ Decision Letter No. 037/SK-DIR/HCM/08/18 dated 31
August 2018.

Magister Manajemen dari Universitas Airlangga, Surabaya (2000). Master of Management from Airlangga University, Surabaya (2000).

Kepala Divisi Financial Institution dan Capital Market Bank Victoria Head of Financial Institution and Capital Market Bank Victoria Division
(2010-2018). (2010-2018).

Ritayana
Kepala Divisi Treasuri
Head of Treasury Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Pontianak Pontianak

Surat Keputusan Direksi No. 002/SK-DIR/HCM/07/15 tanggal 2 Juli 2015. Board of Directors’ Decision Letter No. 002/SK-DIR/HCM/07/15 dated 2 July 2015.

Sarjana Ekonomi dari Sekolah Tinggi Ilmu Ekonomi, Jakarta (1995). Bachelor of Economics from Sekolah Tinggi Ilmu Ekonomi, Jakarta (1995).

Staf Divisi Treasury Bank Victoria (1995-2011). Staff of Treasury Division of Bank Victoria (1995-2011).
Perbankan; dan. Certification Institute; and
• Sertifikasi Advance Treasury Dealer dari Lembaga Sertifikasi Profesi • Advance Certification in Treasury Dealer from the Banking Profession
Ruly Dwi Rahayu

Kepala Divisi Compliance, Know Your Costumer (KYC)/Terintegrasi, System Procedure
Head of Compliance, Know Your Customer(KYC)/Integrated, System Procedure Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Surat Keputusan Direksi No. 011/SK-DIR/HCM/05/19 tanggal 3 Juni 2019. Board of Directors’ Decision Letter No. 011/SK-DIR/HCM/05/19 dated 3 June 2019.

Sarjana Kimia dari Universitas Indonesia, Depok (1990). Bachelor of Chemical from Universitas Indonesia, Depok (1990).

Kepala Divisi Corporate Secretary Bank Victoria (2013-2019). Head of Corporate Secretary Division of Bank Victoria (2013-2019).
• Sertifikasi Manejemen Risiko Level 4 dari Lembaga Sertifikasi Profesi • Risk Management Certification, Level 4, from the Banking Profession
• Sertifikasi Kepatuhan Level 1 dari Lembaga Sertifikasi Profesi • Compliance Certification, Level 1, from the Banking Profession

Syahda Candra
Profil Syahda Candra dapat dilihat dibagian profil Komite Nominasi dan Remunerasi
Kepala Divisi Human Capital Management and
General Affair Syahda Candra’s profile can be seen in the Nomination and Remuneration Committee
Profile
Head of Human Capital Management and General
Affairs Division
Dasar Pengangkatan Surat Keputusan Direksi No. 009/SK-DIR/HCM/04/16 tanggal 4 April 2016.
Basis of Appointment Board of Directors’ Decision Letter No. 009/SK-DIR/HCM/04/16 dated 4 April 2016.
Lidwina Dian Pratiwi

Kepala Divisi Corporate Secretary
Head of Corporate Secretary Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Pangkalan Brandan Pangkalan Brandan

Surat Keputusan Direksi No. 012/SK-DIR/HCM/05/19 tanggal 21 Mei 2019. Board of Directors’ Decision Letter No. 012/SK-DIR/HCM/05/19 dated 21 May 2019.

• Sarjana Hukum dari Universitas Indonesia, Depok (2003); dan • Bachelor of Law from Universitas Indonesia, Depok (2003); and
• Magister Kenotariatan dari Universitas Indonesia, Depok (2007). • Master of Notary from Universitas Indonesia, Depok (2007).

• Secretariat and Reporting Head PT Bank UOB Indonesia (2008-2015); • Secretariat and Reporting Head of PT Bank UOB Indonesia
(2008-2015);
• Staf Sekretaris Perusahaan PT Bank Ganesha Tbk (2016-2018); dan • Staff of Corporate Secretary of PT Bank Ganesha Tbk (2016-2018); and
• Secretariat and Reporting Head Bank Victoria (2018-2019). • Secretariat and Reporting Head of Bank Victoria (2018-2019).
Sertifikasi Manajemen Risiko Level 1 dari Lembaga Sertifikasi Profesi Level 1 Risk Management Certification from the Banking Professional

Henry Indra Djaja

Kepala Divisi SME dan Consumer Banking
Head of SME and Consumer Banking Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Tangerang Tangerang

Tanjung Karang Tanjung Karang

Surat Keputusan Direksi No. 007/SK-DIR/HCM/12/18 tanggal 11 Desember Board of Directors’ Decision Letter No. 007/SK-DIR/HCM/12/18 dated 11
2018. December 2018.

Sarjana Komputer dari Universitas Budi Luhur, Jakarta (1992). Bachelor of Computer from Budi Luhur University, Jakarta (1992).

• Commercial and SME Banking Vice Division Head Bank Victoria; dan • Commercial and SME Banking Vice Division Head of Bank Victoria; and
• SME and Commercial Head Division Head Bank Victoria. • SME and Commercial Division Head of Bank Victoria.
Theresia Maria Dhewajani

Kepala Divisi Operasional
Head of Operations Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Semarang Semarang

Semarang Semarang

Surat Keputusan Direksi No. 013/SK-DIR/HCM/04/16 tanggal 4 April 2016. Board of Directors’ Decision Letter No. 013/SK-DIR/HCM/04/16 dated 4 April
2016.

Sarjana Hukum dari Universitas 17 Agustus 1945, Semarang (1984). Bachelor of Law from University of 17 Agustus 1945, Semarang (1984).

Operation and Office Manager Bank Tiara Cabang Jatinegara. Operation and Office Manager of Bank Tiara, Jatinegara Branch.

Claudia Audrey
Kepala Divisi Accounting and Finance
Head of Accounting and Finance Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Surat Keputusan Direksi No. 005/SK-DIR/HCM/05/18 tanggal 14 Mei 2018. Board of Directors’ Decision Letter No. 005/SK-DIR/HCM/05/18 dated 14 May 2018.

Sarjana Ekonomi dari Universitas Indonesia, Depok (2009). Bachelor of Economics from Universitas Indonesia, Depok (2009).

Wakil Kepala Divisi Finance dan Accounting Bank Victoria. Vice Head of Finance and Accounting Division of Bank Victoria.
Yosef Sudikbyo
Kepala Divisi Corporate Legal
Head of Corporate Legal Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Rembang Rembang

Surat Keputusan Direksi No. 014/SK-DIR/HCM/06/15 tanggal 22 Juni 2015. Board of Directors’ Decision Letter No. 014/SK-DIR/HCM/06/15, dated 22
June 2015.

• Sarjana Hukum dari Universitas Katolik Parahyangan, Bandung (1988); • Bachelor of Laws from Parahyangan Catholic University, Bandung (1988);
dan and
• Master Kenotariatan dan Pertanahan dari Universitas Indonesia, Depok • Master of Notary and Land from Universitas Indonesia, Depok
(2001). (2001).

• Staf Legal Bank NISP (1988-1990); • Legal Staff of Bank NISP (1988-1990);
• Manager Legal Bank Ekonomi Raharja, Tbk (1990-1997); • Legal Manager of Bank Ekonomi Raharja, Tbk (1990-1997);
• Manager Legal Bank Prasida (1997-2000); dan • Legal Manager of Bank Prasida (1997-2000); and
• Koordinator Operasional Badan Penyehatan Perbankan Nasional (BPPN) • Operations Coordinator of Indonesian Bank Restructuring Agency
(2000-2003). (2000-2003).

Duisa Labora Panggabean

Kepala Divisi Special Asset Management (SAM)
Head of Special Asset Management (SAM) Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Tarutung Tarutung

January 2019.

Sarjana Akuntansi dari Akademi Akuntansi Yayasan Administrasi Indonesia, Bachelor of Accounting from Accounting Academy of Yayasan Administrasi
Jakarta (YAI) (1987). Indonesia, Jakarta (YAI) (1987).

• Kepala Divisi Credit Review China Construction Bank Indonesia; dan • Head of Credit Review Division of China Construction Bank Indonesia;
and
• Kepala Divisi Credit Review Bank Windu Kentjana. • Head of Credit Review Division of Bank Windu Kentjana.
Mira Christiana
Kepala Divisi Credit Risk Review
Head of Credit Risk Review Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Bekasi Bekasi

Semarang Semarang

Surat Keputusan Direksi No. 004/SK-DIR/HCM/01/19 tanggal 2 Januari 2019. Board of Directors’ Decision Letter No. 004/SK-DIR/HCM/01/19 dated
2 January 2019.

Sarjana Psikologi dari Universitas Diponegoro, Semarang (2003). Bachelor of Psychology from Diponegoro University, Semarang (2003).

Corporate Credit Manager PT Radana Bhaskara Finance Tbk. Corporate Credit Manager of PT Radana Bhaskara Finance Tbk.

Novita Indriyani
Wakil Kepala Divisi Corporate Legal
Vice Head of Corporate Legal Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Surat Keputusan Direksi No. 043/SK-DIR/HCM/07/18 tanggal 1 Agustus 2018. Board of Directors’ Decision Letter No. 043/SK-DIR/HCM/07/18 dated 1 August
2018.

• Sarjana Hukum dari Universitas Tarumanagara, Jakarta (1995); dan • Bachelor of Law from Tarumanagara University, Jakatya (1995); and
• Magister Kenotariatan dari Universitas Pelita Harapan, Tangerang (2019). • Master of Notary from Pelita Harapan University, Tangerang (2019).

Legal Officer Bank Ekonomi Raharja. Legal Officer of Bank Ekonomi Raharja.
Kokot Dananjoyo Sapsoko

Kepala Divisi Loan and Trade Operations
Head of Loan and Trade Operations Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Tangerang Tangerang

Jogjakarta Jogjakarta

Surat Keputusan Direksi No. 028/SK-DIR/HCM/08/19 tanggal 30 Agustus Board of Directors’ Decision Letter No. 028/SK-DIR/HCM/08/19 dated 30 August
2019. 2019.

Sarjana Agrikultur Universitas Gajah Mada, Yogjakarta. Bachelor of Agriculture from Gadjah Mada University, Yogyakarta.

Technical Advisory in Tjahjadi dan Tamara (Member of Morison KSI) Public Technical Advisory in Tjahjadi and Tamara (Member of Morison KSI) Public
Account Company. Accountant Firm.

Hans Tanurahardja
Wakil Kepala Divisi Credit Monitoring and Assurance
Vice Head of Credit Monitoring and Assurance Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Bandung Bandung

Surat Keputusan Direksi No. 008/SK-DIR/HCM/07/19 tanggal 1 Agustus 2019. Board of Directors’ Decision Letter No. 008/SK-DIR/HCM/07/19 dated 1 August
2019.

Magister Manajemen dari Universitas Parahyangan, Bandung. Master of Management from Parahyangan University, Bandung.

Commercial Lending Vice Division Head Bank Victoria. Vice Head of Commercial Lending Division of Bank Victoria.
Ryano Andreas Tandayu

Kepala Divisi Multifinance and Commercial Banking
Head of Multifinance and Commercial Banking Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Tangerang Tangerang

Bandung Bandung

Surat Keputusan Direksi No. 021/SK-DIR/HCM/04/19 tanggal 2 Mei 2019. Board of Directors’ Decision Letter No. 021/SK-DIR/HCM/04/19 dated 2 May
2019.

Sarjana Manajemen Universitas Tarumanegara, Jakarta. Bachelor of Management from Tarumanegara University, Jakarta.
Multifinance Banking Division Head Bank Victoria. Head of Multifinance Banking Division of Bank Victoria.
Sanny Setiadi
Kepala Divisi Branch Banking Network and Performance
Head of Branch Banking Network and Performance Division
Indonesia Indonesia
Usia Age
Domisili Domicile
Jakarta Jakarta

Jakarta Jakarta

Surat Keputusan Direksi No. 049/SK-DIR/HCM/10/19 tanggal 1 November Board of Directors’ Decision Letter No. 049/SK-DIR/HCM/10/19 dated 1 November
2019. 2019.

Sarjana Manajemen Universitas Tarumanegara, Jakarta. Bachelor of Management from Tarumanegara University, Jakarta.

Pemimpin KCU Kelapa Gading Bank Victoria. Head of Kelapa Gading Sub-Branch Office of Bank Victoria.

Komposisi Kepemilikan Saham

// Shareholders Composition
Komposisi kepemilikan saham Bank Victoria per 31 Desember 2019 The composition of Bank Victoria’s share ownership as of 31
berdasarkan Surat PT Adimitra Jasa Korpora No. LB-01/BVIC/ December 2019 based on the letter of PT Adimitra Jasa Korpora
OI2020 tanggal 6 Januari 2020 tentang Laporan Bulanan tentang No. LB-01/BVIC/OI2020 dated 6 January 2020 on Monthly Report
Komposisi Pemegang Saham Bank ditunjukkan sebagai berikut. on the Bank’s Shareholders Composition is shown in as follows.
Struktur Kepemilikan Saham Shareholders Structure
23.39% Masyarakat/public (<5%)
46.29%
4.42% PT Nata Ptindo
Deutsche Investitions - Und

8.72% Entwicklungsgesellschaft MbH
(DEG)
99.99%
17.18% Suzanna Tanojo

Pemegang Saham Utama dan Pengendali Information on Major and Controlling

Shareholders
Christien Tanoyo Suzanna Tanojo
9.37% 90.63%
99.99% PT Gratamulia Pratama
68.16%
95.00% PT Victoria Manajemen Investasi
PT Victoria PT Victoria Alife Indonesia

99.33%
Investama Tbk
73.28%
99.50%
PT Nata PT Victoria PT Victoria Masyarakat / Public Deutsche Investitions

- Und Entwicklungsge
Patindo Sekuritas Indonesia Insurance Tbk (<5%) sellschaft MbH (DEG)
4.42% 46.29% 1.60% 0.01% 21.78% 8.72% 17.18%
99.99%
PT Bank Victoria Syariah
Berdasarkan struktur tersebut, Pemegang Saham Utama Bank Based on the structure, Major Shareholders of Bank Victoria are:
Victoria yaitu:
1. Suzanna Tanojo, melalui kepemilikan saham secara langsung 1. Suzanna Tanojo, through direct share ownership at PT
di PT Gratamulia Pratama dan PT Victoria Investama Tbk; Gratamulia Pratama and PT Victoria Investama Tbk;
2. Christien Tanoyo melalui kepemilikan saham secara langsung 2. Christien Tanoyo through direct share ownership at PT
di PT Gratamulia Pratama. Gratamulia Pratama.
Sedangkan, Pemegang Saham Pengendali Bank Victoria yaitu: Meanwhile, Controlling Shareholders of Bank Victoria are:
1. Pengendali langsung, yaitu Suzanna Tanojo dan PT Victoria 1. Direct controllers, which are Suzanna Tanojo and PT Victoria
Investama Tbk; Investama Tbk;
2. Pengendali tidak langsung, yaitu Christien Tanoyo dan PT 2. Indirect controllers, which are Christien Tanoyo and PT
Gratamulia Pratama. Gratamulia Pratama.

Komposisi Pemegang Saham Shareholders Composition
Total Saham
(Lembar) Kepemilikan Total Nominal
Uraian
Ownership Total Nominal
Description Total Shares
(%) (Rp)
(Sheets)
SAHAM DENGAN SERTIFIKAT KOLEKTIF / SHARES WITH COLLECTIVE CERTIFICATE
Pemegang Saham Pendiri/ Founder Share’s
PT Nata Patindo - - -
Masyarakat/ Public
a. Pemodal Nasional/ National Investors
• 5% atau lebih/ 5% or more - - -
• Lainnya/ Others 1,169,500 0.01 116,950,000
b. Pemodal Asing/ Foreign Investors
• 5% atau lebih/ 5% or more - - -
• Lainnya/ Others 24,500 0.00 2,450,000
Sub Total 1,194,000 0.01 119,400,000
SAHAM DENGAN PENITIPAN KOLEKTIF PT KSEI/ SHARES IN PT KSEI COLLECTIVE CUSTODY
Pemegang Saham Pendiri/ Founder Share’s
PT Nata Patindo 395,484,865 4.42 39,548,486,500
Masyarakat/ Public
a. Pemodal Nasional/ National Investors
• 5% atau lebih/ 5% or more
Suzanna Tanojo 1,538,152,114 17.18 153,815,211,400
PT Victoria Investama Tbk 4,143,529,642 46.29 414,352,964,200
• Lainnya/ Others 1,478,599,920 16.52 147,859,992,000
b. Pemodal Asing / Foreign Investors
• 5% atau lebih/ 5% or more
Deutsche Investitions - Und Entwicklungsgesellschaft MbH (DEG) 780,394,335 8.72 78,039,433,500
• Lainnya/ Others 614,592,163 6.87 61,459,216,300
Sub Total 8,950,753,039 99.99 895,075,303,900
Total 8,951,947,039 100.00 895,194,703,900

23
.
39
%
46.29%
4.42%
2%
8.7
%
17.18
PT Victoria Investama Tbk Suzanna Tanojo
PT Nata Patindo Deutsche Investitions-und Masyarakat (masing-masing di

Entwicklungsgesellschaft mbH bawah 5%)/Public (each under 5%)

Komposisi Pemegang Saham Berdasarkan Shareholders Composition Based on

Status Kepemilikan Ownership Status
Total Investor Total Saham Kepemilikan

Uraian Description
Total Investors Total Shares Ownership (%)
Scriptless
Pemodal Nasional 1,293 7,555,452,741 84.41 Local Investors
Perorangan 1,266 2,123,729,816 23.72 Individual
Perseroan Terbatas 15 5,137,625,519 57.40 Limited Liability Company
Dana Pensiun 1 9,656,000 0.11 Pension Fund
Asuransi 1 646,892 0.01 Insurance
Reksadana 7 140,243,700 1.57 Mutual Funds
Yayasan - - - Foundation
Koperasi - - - Cooperatives
Broker 3 143,550,814 1.60 Broker
Pemodal Asing 24 1,395,300,298 15.59 Foreign Investors
Perorangan 12 41,612,700 0.46 Individual
Institusi Asing 12 1,353,687,598 15.12 Foreign Institution
Script
Pemodal Nasional 138 1,169,500 0.01 National Investors
Perseroan Terbatas - - - Limited Liability Company
Pemodal Asing 7 24,500 0.00 Foreign Investors
Perorangan 7 24,500 0.00 Individual
Institusi Asing - - - Foreign Institution
Total 1,462 8,951,947,039 100.00 Total
Komposisi 20 Pemegang Saham Terbesar Composition of Top 20 Shareholders
Total Saham
Domisili (Lembar Saham) Kepemilikan
Uraian Status
Domicile Ownership
(%)
(Shares)
Institusi Lokal
PT Victoria Investama Tbk Jakarta 4,143,529,642 46.29
Local Institution
Individu Lokal
Suzanna Tanojo Jakarta 1,538,152,114 17.18
Local Individu
Deutsche Investitions - Und Jerman Institusi Asing

780,394,335 8.72
Entwicklungsgesellschaft MbH (DEG) Germany Foreign Institution
Institusi Lokal
PT Gratamulia Pratama Jakarta 418,953,250 4.68
Local Institution
Institusi Lokal
PT Nata Patindo Jakarta 395,484,865 4.42
Local Institution
Credit Suisse AG Singapore Trust A/C Singapura Institusi Asing

349,503,648 3.90
Clients- 2023904000 Singapore Foreign Institution
UBS AG Singapore Non-Treaty Singapura Institusi Asing

221,934,815 2.48
Omnibus Account - 2091144090 Singapore Foreign Institution

Total Saham
Domisili (Lembar Saham) Kepemilikan
Uraian Status
Domicile Ownership
(%)
(Shares)
Institusi Lokal
PT Victoria Sekuritas Indonesia Jakarta 143,391,064 1.60
Local Institution
Individu Lokal
Christien Tanoyo/Liauw Tjeung H Surabaya 109,825,000 1.23
Local Individu
Individu Lokal
Luciana Tanoyo Surabaya 104,781,000 1.17
Local Individu
Institusi Lokal
PT Tri Daya Investindo Jakarta 78,187,500 0.87
Local Institution
Individu Lokal
Reksa Dana Capital Equity Fund Jakarta 70,000,000 0.78
Local Individu
Individu Lokal
Sutanto Jakarta 57,224,800 0.64
Local Individu
Institusi Lokal
PT Emperor Finance Indonesia Jakarta 48,329,250 0.54
Local Institution
Individu Lokal
Haryanto Leenardi Jakarta 41,920,000 0.47
Local Individu
Individu Lokal
Teddy Jeffrey Katuari Jakarta 32,381,350 0.36
Local Individu
Individu Lokal
Vonny Setiawati Jakarta 26,691,150 0.30
Local Individu
Reksa Dana Victoria Campuran Individu Lokal

Jakarta 20,152,200 0.23
Dinamis Local Individu
Reksa Dana Pacific Equity Progresif Individu Lokal

Jakarta 20,000,000 0.22
Fund VI Local Individu
Institusi Lokal
PT Regis Pratama Indonesia Jakarta 18,527,250 0.21
Local Institution
Komposisi Pemegang Saham yang Composition of Shareholders with 5% or

Memiliki 5% atau Lebih More Shares
Kepemilikan
Uraian Total Saham
Ownership
(%)
PT Victoria Investama Tbk 4,143,529,642 46.29
Suzanna Tanojo 1,538,152,114 17.18

780,394,335 8.72
Entwicklungsgesellschaft MbH (DEG)
Komposisi Pemegang Saham Masyarakat Composition of Public Shareholders with

dengan Kepemilikan Saham Masing- Share Ownership of Less than 5% Each
masing Kurang dari 5%

Uraian Description
Pemodal Nasional 1,429 1,874,940,485 20.94 Local Investors
Perorangan 1,403 586,747,202 6.55 Individual
Institusi Lokal 14 994,095,877 11.10 Local Institutions


Uraian Description
Dana Pensiun 1 9,656,000 0.11 Pension Fund
Asuransi 1 646,892 0.01 Insurance
Reksadana 7 140,243,700 1.57 Mutual Funds
Broker 3 143,550,814 1.60 Broker
Pemodal Asing 30 614,930,463 6.87 Foreign Investors
Institusi Asing 11 573,293,263 6.40 Foreign Institutions
Total 1,459 2,489,870,948 27.81 Total
Kepemilikan Saham Dewan Komisaris dan Share Ownership of Board of Commissioners

Direksi di Bank Victoria and Board of Directors at Bank Victoria
Kepemilikan Saham Langsung Kepemilikan Saham Tidak

pada Bank Victoria Langsung pada Bank Victoria
Direct Share Ownership at Indirect Share Ownership at Bank
Uraian Jabatan Bank Victoria Victoria
Description Position
Lembar Saham (%) Lembar Saham (%)
Total Shares Total Shares
DEWAN KOMISARIS / BOARD OF COMMISSIONERS
Komisaris Utama
Oliver Simorangkir - - - -

Gunawan Tenggarahardja Commissioner/ Independent - - - -
Commissioner
Komisaris / Komisaris Independen

Zaenal Abidin, PhD Commissioner/ Independent - - - -
Commissioner
DIREKSI / BOARD OF DIRECTORS
Direktur Utama
Ahmad Fajar - - - -
President Director

Rusli - - - -
Direktur Bisnis
Lembing - - - -
Direktur Keuangan
Debora Wahjutirto Tanoyo - - - -
Director of Finance
Direktur Kepatuhan dan Manajemen

Risiko
Tamunan - - - -
Director of Compliance and Risk
Management

Kronologi Pencatatan Saham Chronology of Share Listing
Harga yang Total

Total Nilai
Ditawarkan Saham yang
Saham yang Nominal
Uraian (Rp) Beredar Nama Bursa Efek
Diterbitkan (Rp) Description
Offering Total Stock Exchange
Total Issued Nominal
Price Outstanding
Shares Value (Rp)
(Rp) Shares
Bursa Efek Indonesia

Saham pendiri 250,000,000 100 - 250,000,000 Founders’ shares
Indonesia Stock Exchange
Saham dari kapitalisasi Bursa Efek Indonesia Shares from capitalization

saldo laba
34,000,000 100 - 284,000,000
Indonesia Stock Exchange of retained earnings
Penawaran Umum Bursa Efek Indonesia Initial Public Offering in

250,000,000 100 100 534,000,000
Perdana pada tahun 1999 Indonesia Stock Exchange 1999
Penawaran Umum
Limited Public Offering I
Terbatas I dengan Hak Bursa Efek Indonesia
100,000,000 100 115 634,000,000 with Pre-emptive Rights
Memesan Efek Terlebih Indonesia Stock Exchange
(Right Issue) in 2000
Dahulu pada tahun 2000
Pelaksanaan Waran Seri I Bursa Efek Indonesia Exercise of Series I and II

dan II pada tahun 2002
66,793,400 100 - 700,793,400
Indonesia Stock Exchange Warrants in 2002
Penawaran Umum
Limited Public Offering II
Terbatas II dengan Hak Bursa Efek Indonesia
400,000,000 100 100 1,100,793,400 with Pre-emptive Rights
Pelaksanaan Waran Seri Bursa Efek Indonesia Exercise of Series III

III pada tahun 2004
193,799,960 100 - 1,294,593,360
Pelaksanaan Waran Seri Bursa Efek Indonesia Exercise of Series III

III pada tahun 2006
46,200,000 100 - 1,340,793,360
Penawaran Umum
Limited Public Offering III
Terbatas III dengan Hak Bursa Efek Indonesia
670,363,760 100 100 2,011,157,120 with Pre-emptive Rights
Pelaksanaan Waran Seri Bursa Efek Indonesia Exercise of Series IV

323,840,000 100 100 2,334,997,120
IV pada tahun 2007 Indonesia Stock Exchange Warrants in 2007
Penawaran Umum
Limited Public Offering IV
Terbatas IV dengan Hak 3,502,495,680 Bursa Efek Indonesia
1,167,498,560 100 100 with Pre-emptive Rights
Pelaksanaan Waran Seri Bursa Efek Indonesia Exercise of Series IV and V

344,244,500 100 100 3,846,740,180
IV dan V pada tahun 2009 Indonesia Stock Exchange Warrants in 2009

249,707,135 100 100 4,096,447,315
Penawaran Umum
Limited Public Offering V
Terbatas V dengan Hak Bursa Efek Indonesia
1,954,919,259 100 100 6,051,366,574 with Pre-emptive Rights
Penerbitan Saham Tanpa

Hak Memesan Efek Bursa Efek Indonesia Issuance of Shares without
414,580,000 100 100 6,465,946,574
Terlebih Dahulu pada Indonesia Stock Exchange Preemptive Rights in 2011
tahun 2011

81,724,314 100 100 6,547,670,888
Pelaksanaan Waran Seri V Bursa Efek Indonesia Exercise of Series V and VI

56,673,554 100 100 6,604,344,442
dan VI pada tahun 2012 Indonesia Stock Exchange Warrants in 2012
Pelaksanaan Waran Seri V Bursa Efek Indonesia Exercise of Series V and VI

25,923,831 100 100 6,630,268,273
dan VI pada tahun 2013 Indonesia Stock Exchange Warrants in 2013

Harga yang Total

Total Nilai
Ditawarkan Saham yang
Saham yang Nominal
Uraian (Rp) Beredar Nama Bursa Efek
Diterbitkan (Rp) Description
Offering Total Stock Exchange
Total Issued Nominal
Price Outstanding
Shares Value (Rp)
(Rp) Shares
Pelaksanaan Waran Seri Bursa Efek Indonesia Exercise of Series VI
508,898,707 100 100 7,139,166,980
VI pada tahun 2014 Indonesia Stock Exchange Warrants in 2014

300 100 100 7,139,167,280

751,486,547 100 100 7,890,653,827
Penambahan Modal
Tanpa Hak Memesan Capital Increase Without
Efek Terlebih Dahulu Pre-emptive Rights by
Bursa Efek Indonesia
oleh Deutsche 780,394,335 100 100 8,671,048,162 Deutsche Investitions-und
Indonesia Stock Exchange
Investitions-und Entwicklungsgesellschaft
Entwicklungsgesellschaft MbH in 2016
Mbh pada tahun 2016
Penambahan Modal
Tanpa Hak Memesan Efek Increasing Capital Without
Terlebih Dahulu oleh PT Bursa Efek Indonesia Preemptive Rights of PT
280,898,877 100 356 8,951,947,039
Victoria Investama Tbk Indonesia Stock Exchange Victoria Investama Tbk and
dan PT Nata Patindo pada PT Nata Patindo in 2019
tahun 2019
Total Modal Saham yang Ditempatkan dan Disetor Penuh

8,951,947,039
Total Share Capital Issued and Fully Paid
Kronologi Pencatatan Obligasi Chronology of Bond Listing
Total Tingkat Tanggal Peringkat

Tenor Tanggal Peringkat Status
(juta Rp) Suku Bunga Jatuh Saat
Uraian (Tahun) Terbit Terakhir Pembayaran
Total Interest Tempo Diterbitkan
Description Tenor Issuance Latest Payment
(million Rates Maturity Ratings
(Year) Dates Ratings Status
Rp) (%) Dates at Issuance
Obligasi Bank 75,000 7 16.25 3 Maret 2000 3 Maret 2007 BBB+ dari PT BBB+ dari PT Lunas
Victoria I Tahun 3 March 2000 3 March 2007 Kasnic Duff dan Kasnic Duff Paid
2000 dengan Phelps Credit dan Phelps
tingkat suku rating Indonesia Credit rating
bunga tetap BBB+ from PT Indonesia
Seri A Kasnic Duff and BBB+ from PT
Bank Victoria Phelps Credit Kasnic Duff
Series A Bond I Rating Indonesia and Phelps
of 2000 at fixed Credit Rating
interest rate Indonesia
Obligasi Bank 25,000 7 16.00 (kupon 3 Maret 2000 3 Maret 2007 BBB+ dari PT BBB+ dari PT Lunas
Victoria I bunga ke-1 3 March 2000 3 March 2007 Kasnic Duff dan Kasnic Duff Paid
Tahun 2000 dan 2) serta Phelps Credit dan Phelps
dengan tingkat mengambang rating Indonesia Credit rating
suku bunga (kupon bunga BBB+ from PT Indonesia
mengambang ke-3 sampai Kasnic Duff and BBB+ from PT
Seri B ke-28) Phelps Credit Kasnic Duff
Bank Victoria 16.00 (1st and Rating Indonesia and Phelps
Series B Bond I of 2nd interest Credit Rating
2000 at floating coupon) and Indonesia
interest rate floating (3rd to
28th interest
coupon)


Obligasi Bank 200,000 5 12.00 21 Maret 2007 21 Maret 2012 A3.id dari A3.id dari Lunas
Victoria II Tahun 21 March 2007 21 March PT Moody’s PT Moody’s Paid
2007 dengan 2012 Indonesia Indonesia
tingkat suku (setara A-. (setara A-.
bunga tetap Kasnic) Kasnic)
Bank Victoria A3.id from A3.id from
Bond II of 2007 at PT Moody’s PT Moody’s
fixed interest rate Indonesia Indonesia
(equal to A-, (equal to A-,
Kasnic) Kasnic)
Obligasi 200,000 10 12.50 (tahun 21 Maret 2007 21 Maret 2017 Baa2.id dari Baa2.id dari Lunas
Subordinasi Bank ke-1 sampai 21 March 2017 21 March 2017 PT Moody’s PT Moody’s Paid
Victoria I Tahun ke-5) serta 21.50 Indonesia Indonesia
2007 dengan (tahun ke-6 (setara BBB. (setara BBB.
tingkat suku sampai ke-10) Kasnic) Kasnic)
bunga tetap 12.50 (1st year Baa2.id from Baa2.id from
Bank Victoria to 5th year) and PT Moody’s PT Moody’s
Subordinated 21.50 (6th year to Indonesia (equal Indonesia
Bond I of 2007 at 10th year) to BBB, (equal to BBB,
fixed interest rate Kasnic) Kasnic)
Obligasi Bank 200,000 5 10.00 27 Juni 2012 27 Juni 2017 idBBB+ (Triple idBBB+ (Triple Lunas
Victoria III Tahun 27 June 2012 27 June 2017 B plus) dari PT B plus) dari PT Paid
2012 dengan Pemeringkat Pemeringkat
tingkat suku Efek Indonesia Efek Indonesia
bunga tetap (PEFINDO) (PEFINDO)
Bank Victoria idBBB+ (Triple IdBBB+
Bond III of 2012 at B Plus) from PT (Triple B
fixed interest rate Pemeringkat Plus) from PT
Efek Indonesia Pemeringkat
(PEFINDO) Efek Indonesia
(PEFINDO)
Obligasi 300,000 7 11.00 27 Juni 2012 27 Juni 2019 idBBB + (Triple idBBB+ Lunas
Subordinasi Bank 27 June 2012 27 June 2019 B) dari PT (Triple B Paid
Victoria II Tahun Pemeringkat Plus) dari PT
2012 dengan Efek Indonesia Pemeringkat
tingkat suku (PEFINDO) Efek
bunga tetap IdBBB (Triple Indonesia
Bank Victoria B) from PT (PEFINDO)
Bond III of 2012 at Pemeringkat IdBBB+
fixed interest rate Efek Indonesia (Triple B
(PEFINDO) Plus) from PT
Pemeringkat
Efek
Indonesia
(PEFINDO)
Obligasi Bank 200,000 5 9.50 27 Juni 2013 27 Juni 2018 idA- (Single A idA- (Single A Lunas
Victoria IV Tahun 27 June2013 27 June 2018 Minus) dari PT Minus) dari PT Paid
2013 dengan Pemeringkat Pemeringkat
tingkat suku Efek Indonesia Efek
bunga tetap (PEFINDO) Indonesia
Bank Victoria idA- (Single A (PEFINDO)
Bond IV of 2013 at Minus) from PT idA- (Single
fixed interest rate Pemeringkat A Minus)
Efek Indonesia from PT
(PEFINDO) Pemeringkat
Efek
Indonesia
(PEFINDO)


Obligasi 300,000 7 10.50 27 Juni 2013 27 Juni 2020 idBBB+ (Triple idBBB+ (Triple Belum Lunas
Subordinasi Bank 27 June 2013 27 June 2020 B Plus) dari PT B Plus) dari Not Paid
Victoria III Tahun Pemeringkat PT
2013 dengan Efek Indonesia Pemeringkat
tingkat suku (PEFINDO) Efek
bunga tetap Indonesia
idBBB+ (Triple (PEFINDO)
Bank Victoria B Plus) from PT
Subordinated Pemeringkat idBBB+
Bond III Efek Indonesia (Triple B
of 2013 at fixed (PEFINDO) Plus) from PT
interest rate Pemeringkat
Efek
Indonesia
(PEFINDO)
Obligasi 300,000 5 10.30 11 Juli 2017 11 Juli 2022 idA- (Single A idA- (Single A Belum Lunas
Berkelanjutan 11 July 2017 11 July 2022 Minus) dari PT Minus) dari PT Not Paid
I Bank Victoria Pemeringkat Pemeringkat
Tahap I Tahun Efek Indonesia Efek Indonesia
2017 dengan (PEFINDO) (PEFINDO)
tingkat suku idA- (Single A idA- (Single A
bunga tetap. Minus) from PT Minus) from PT
Continuous Bond Pemeringkat Pemeringkat
I Phase I of 2017 Efek Indonesia Efek Indonesia
at fixed interest (PEFINDO) (PEFINDO)
rate
Obligasi 50,000 7 11.00 11 Juli 2017 11 Juli 2024 idBBB (Triple idBBB (Triple Belum Lunas
Subordinasi 11 July 2017 11 July 2024 B) dari PT B) dari PT Not Paid
Berkelanjutan Pemeringkat Pemeringkat
I Bank Victoria Efek Indonesia Efek
Tahap I Tahun (PEFINDO) Indonesia
2017 dengan idBBB (Triple (PEFINDO)
tingkat suku B) from PT idBBB (Triple
bunga tetap Pemeringkat B) from PT
Bank Victoria Efek Indonesia Pemeringkat
Continuous (PEFINDO) Efek
Subordinated Indonesia
Bond I Phase I (PEFINDO)
of 2017 at fixed
interest rate
Obligasi 100,000 3 9.70 5 Juni 2018 5 Juni 2021 idA- (Single A idA- (Single A Belum Lunas
Berkelanjutan 5 June 2018 5 June 2021 Minus) dari PT Minus) dari PT Not Paid
Tahap II Tahun Efek Indonesia Efek
2018 dengan (PEFINDO) Indonesia
tingkat suku idA- (Single A (PEFINDO)
bunga tetap Minus) from PT idA- (Single
Seri A Pemeringkat A Minus)
Bank Victoria Efek Indonesia from PT
Continuous Bond (PEFINDO) Pemeringkat
I Phase II of 2018 Efek
at fixed interest Indonesia
rate A Series (PEFINDO)
Obligasi 200,000 5 10.30 5 Juni 2018 5 Juni 2023 idA- (Single A idA- (Single A Belum Lunas
Tahap II Tahun Efek Indonesia Efek
Seri B Pemeringkat A Minus)
Bank Victoria Efek Indonesia from PT
Continuous Bond (PEFINDO) Pemeringkat
I Phase II of 2018 Efek
at fixed interest Indonesia
rate B Series (PEFINDO)


Obligasi 350,000 7 11.00 5 Juni 2018 5 Juni 2025 idBBB (Triple idBBB (Triple Belum Lunas
Subordinasi 05 June 2018 05 June 2025 B) dari PT B) dari PT Not Paid
I Bank Victoria Efek Indonesia Efek
Tahap II Tahun (PEFINDO) Indonesia
2018 dengan idBBB (Triple (PEFINDO)
tingkat suku B) from PT IdBBB (Triple
bunga tetap Pemeringkat B) from PT
Bank Victoria Efek Indonesia Pemeringkat
Continuous (PEFINDO) Efek
Subordinated Indonesia
Bond I Phase II (PEFINDO)
of 2018 at fixed
interest rate
Obligasi 100.000 2 9.75 28 Juni 2019 28 Juni 2021 idA- (Single A idA- (Single A Belum Lunas
II Bank Victoria Pemeringkat Pemeringkat
Tahap I Tahun Efek Indonesia Efek
Bank Victoria Pemeringkat A Minus)
Continuing Bonds Efek Indonesia from PT
II Phase I Year (PEFINDO) Pemeringkat
2019 at fixed Efek
interest rate Indonesia
(PEFINDO)
Obligasi 250,000 7 11.75 28 Juni 2019 28 Juni 2026 idBBB (Triple idBBB (Triple Belum Lunas
Subordinasi 28 June 2019 28 June 2026 B) dari PT B) dari PT Not Paid
II Bank Victoria Efek Indonesia Efek Indonesia
Tahap I Tahun (PEFINDO) (PEFINDO)
2019 dengan idBBB (Triple idBBB (Triple
tingkat suku B) from PT B) from PT
bunga tetap Pemeringkat Pemeringkat
Bank Victoria Efek Indonesia Efek Indonesia
Continuing (PEFINDO) (PEFINDO)
Subordination
Bonds I Phase II
Year 2019 at fixed
interest rate
Obligasi 150,000 7 11.25 8 November 8 November idBBB (Triple idBBB (Triple Belum Lunas
Subordinasi 2019 2026 B) dari PT B) dari PT Not Paid
II Bank Victoria Efek Indonesia Efek Indonesia
Tahap II Tahun (PEFINDO) (PEFINDO)
2019 dengan idBBB (Triple idBBB (Triple
tingkat suku B) from PT B) from PT
bunga tetap Pemeringkat Pemeringkat
Bank Victoria Efek Indonesia Efek Indonesia
Continuing (PEFINDO) (PEFINDO)
Subordination
Bonds II Phase II
Year 2019 at fixed
interest rate
Catatan/ Notes:
1. Peringkat terakhir Obligasi Bank Victoria I Tahun 2000 dengan tingkat bunga tetap Seri A dan Obligasi Bank Victoria I Tahun 2000 dengan tingkat bunga mengambang Seri B adalah
per Maret 2007;
2. Peringkat terakhir Obligasi Bank Victoria II Tahun 2007 dengan tingkat bunga tetap dan Obligasi Subordinasi I Bank Victoria Tahun 2007 dengan tingkat bunga tetap adalah per
Maret 2012;
3. Peringkat terakhir Obligasi Bank Victoria IV Tahun 2013 dengan tingkat bunga tetap adalah per April 2018.
1. Latest ratings of Bank Victoria Bond I Series A of 2000 at fixed interest rate and Bank Victoria Bond I Series B of 2000 at floating interest rate was per March 2007;
2. Latest ratings of Bank Victoria Bond II of 2007 at fixed interest rate and Bank Victoria Subordinated Bond I of 2007 at fixed interest rate was per March 2012;
3. Latest ratings of Bank Victoria Bond IV of 2013 at fixed interest rate was per April 2018.

Struktur Grup
// Group Structure
73.28% 99.50%
99.50% 99.33%
INDONESIA
46.29%

PT Nata Patindo 4.42% 8.72% Entwicklungsgesellschaft
MbH (DEG)
17.18% 99.99% 23.40%
Suzanna Tanojo Masyarakat / Public (<5%)
Sampai dengan tahun 2019, Bank Victoria tidak memiliki entitas Until 2019, Bank Victoria did not have associate entity, joint
asosiasi, perusahaan joint venture, dan special purpose vehicle (SPV). venture company, and special purpose vehicle (SPV).
Entitas Anak
// Subsidiaries
Bank Victoria memiliki 1 (satu) Entitas Anak, yaitu Bank Victoria Bank Victoria has 1 (one) Subsidiary, which is Bank Victoria
Syariah, yang dijelaskan sebagai berikut. Syariah, that described as follows.

Gedung Graha BIP Lt. 5
Jl. Gatot Subroto Kav. 23
Kel. Karet Semanggi, Kec. Setiabudi
Jakarta Selatan, 12930
T : (021) 5600 467
(021) 5225 285 (Hunting)
F : 021-5664 247
E : corsec@bankvictoriasyariah.co.id
W : www.bankvictoriasyariah.co.id
Tanggal Pendirian Tahun Beroperasi Bidang Usaha

Date of Incorporation Year of Operations Line of Business
Beroperasi sejak 1966 Perbankan Syariah

15 April 1966
Has been in operation since 1966 Sharia Banking

Susunan Pengurus
Management Composition
Nama
Jabatan Position
Name
Dewan Komisaris Board of Commissioners
Komisaris Utama Achmad Friscantono* President Commissioner
Komisaris Independen Djoko Nugroho Independent Commissioner
Komisaris Independen Sari Idayanti Independent Commissioner
Direksi Board of Directors
Direktur Utama Sugiharto President Director
Direktur Andy Sundoro Director
Direktur Deddy Effendi Ridwan Director
Direktur Kepatuhan Nurani Raswindriati Director of Compliance
Dewan Pengawas Syariah Sharia Supervisory Board
Ketua Hasanuddin AF Chairman
Anggota Huzaemah Tahido Yanggo Member

* Efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan.
* Effective after obtaining approval from the Financial Services Authority.
Total Aset (juta Rupiah) Sosial Media

Total Assets (million Rupiah) Social Media
Rp2,262,326,-
PT. Bank Victoria Syariah
Kepemilikan Saham
@ victoriasyariah
Share Ownership
Bank Victoria Syariah
99.99%
Riwayat Singkat PT Bank Victoria Syariah Brief History PT Bank Victoria Syariah
PT Bank Victoria Syariah didirikan dengan nama PT Bank PT Bank Victoria Syariah was first incorporated under the name
Swaguna berdasarkan Akta No. 9 tanggal 15 April 1966 yang PT Bank Swaguna based on Deed No. 9 dated 15 April 1966,
dibuat dihadapan Notaris Bebasa Daeng Lalo. Akta tersebut telah made before Notary Bebasa Daeng Lalo. The Deed has obtained
memperoleh pengesahan dari Menteri Hukum dan Hak Asasi ratification from the Minister of Law and Human Rights based on
Manusia berdasarkan Surat Keputusan No. JA.5/79/5 tertanggal the Decree No. JA.5/79/5 dated 7 November 1967, and has been
7 November 1967, serta telah didaftarkan pada Daftar Perusahaan registered at the Company Register at the Clerk Office of District
di Kantor Panitera Pengadilan Negeri I di Cirebon masing-masing Court I in Cirebon, respectively under No. 1/1968 and has been
di bawah No. 1/1968 dan telah diumumkan dalam Berita Negara announced in the Official Gazette of the Republic of Indonesia No.
Republik Indonesia No. 42 tanggal 24 Mei 1968, Tambahan No. 62. 42 dated 24 May 1968, Supplement No. 62.
Pada tahun 2007, Bank Victoria mengakuisisi 99.80% saham In 2007, Bank Victoria acquired 99.80% shares of Bank Swaguna,
Bank Swaguna sebagaimana dicatat dalam Akta No. 15 tanggal as recorded in Deed No. 15 dated 7 September 2007, made before
7 September 2007 yang dibuat dihadapan Notaris Veronika Lily Notary Veronika Lily Darma SH. The bank subsequently added
Darma SH. Bank kemudian melakukan penambahan modal kepada capital to Bank Swaguna on 13 December 2017, thus, the Bank’s
Bank Swaguna pada 13 Desember 2017, sehingga kepemilikan share ownership became 99.98%.
saham Bank menjadi 99,98%.

Selanjutnya, sesuai dengan Surat Keputusan Pemegang Saham Furthermore, in accordance with the Deed of Shareholder
No. 5 tanggal 6 Agustus 2009 yang dibuat dihadapan Notaris Erni Resolution Statement No. 5 dated 6 August, 2009 made before
Rohaini SH, MBA, Bank Swaguna berubah nama menjadi PT Bank Notary Erni Rohaini SH, MBA, Bank Swaguna changed its name
Victoria Syariah. Perubahan tersebut telah mendapat persetujuan to PT Bank Victoria Syariah. The amendment has obtained
dari Menteri Hukum dan Hak Asasi Manusia berdasarkan Surat ratification from the Minister of Law and Human Rights based
Keputusan No. AHU- 02731.AH.01.02.Tahun 2010 tanggal 19 on the Decree No. AHU-02731.AH.01.02.Tahun 2010 dated 19
Januari 2010, serta telah diumumkan dalam Berita Negara January 2010, and has been announced in Official Gazette 106
Republik Indonesia No. 83 tanggal 15 Oktober 2010, Tambahan PT Bank Victoria International Tbk of the Republic of Indonesia No.
No. 31425. Bank Victoria Syariah juga telah memperoleh izin dari 83 dated 15 October 2010, Supplement No. 31425. Bank Victoria
Bank Indonesia dalam melakukan perubahan kegiatan usaha Syariah has also obtained license from Bank Indonesia to change
dari sebelumnya bank umum konvensional menjadi bank umum its business activities, from conventional commercial bank to
syariah berdasarkan Keputusan Gubernur Bank Indonesia No. sharia commercial bank based on the Decree of Governor of Bank
12/8/KEP.GBI/DpG/2010 tanggal 10 Februari 2010. Bank Victoria Indonesia No. 12/8/KEP.GBI/DpG/2010 dated 10 February 2010.
Syariah mulai beroperasi dengan prinsip-prinsip syariah tanggal Bank Victoria Syariah started its operations on sharia principles
1 April 2010. Kepemilikan saham Bank Victoria pada Bank Victoria dated 1 April 1 2010. The share ownership of Bank Victoria at Bank
Syariah adalah sebesar 99.99%. Victoria Syariah was 99.99%.
Produk Bank Victoria Syariah Products of Bank Victoria Syariah

Pendanaan Funding
Giro iB – Wadiah Giro iB – Wadiah

Rekening Giro untuk nasabah perorangan maupun badan hukum Demand Deposit Account for individual customers and legal
yang memiliki fasilitas cek dan bilyet giro. entities that have checking and crossed checks facilities.
Giro ViS Prima iB Giro ViS Prima iB

Giro yang diperuntukan untuk segmen perusahaan dengan akad Demand deposit that is intended for business segments
mudharabah yang mendapat bagi hasil tearing sesuai dengan with mudharabah agreement that receives profit sharing in
saldo harian nasabah. accordance with the customer’s daily balance.
Tabungan ViS iB ViS iB Savings

Simpanan dalam bentuk investasi syariah dengan prinsip bagi Savings in the form of sharia investment by the principle of
hasil yang saling menguntungkan. mutually beneficial profit sharing.
Tabungan V-Plan iB V-Plan IB Savings

Simpanan dengan prinsip mudharabah (bagi hasil) yang Savings by the principle of mudharabah (profit sharing) in which
penarikannya memiliki jangka waktu sesuai kesepakatan dengan the withdrawal has a time period as agreed by the customers.
nasabah.
Tabungan V-Bisnis iB V-Bisnis IB Savings

Jenis Tabungan dengan prinsip mudharabah (bagi hasil), Type of Savings by the principle of mudharabah (profit sharing)
diperuntukkan bagi nasabah perorangan dan perusahaan yang for individual and corporate customers that will receive profit
mendapatkan bagi hasil setara deposito. sharing equal to time deposits.
Tabungan ViS Payroll iB ViS Payroll IB Savings

Tabungan yang menggunakan akad mudharabah dan diperuntukan Savings by the principle of mudharabah agreement for payment
untuk pembayaran payroll ke karyawan. of payrolls to the employees.

Tabungan ViS Xtra Berhadiah iB ViS Xtra With IB Prize Savings

Tabungan yang diperuntukan bagi perorangan dan perusahaan Savings for individual and corporate who will receive prize in the
yang mendapat hadiah diawal sesuai keinginan nasabah dengan beginning in accordance with the customer’s needs by placing
penempatan nominal dana tertentu dan jangka waktu tertentu certain amount of fund in a certain period of time (1, 3, 6, 12
(1, 3, 6, 12 bulan). months)
Tabungan Simpel iB Simpel IB Savings

Tabungan untuk pelajar dengan persyaratan mudah dan fitur Savings for students with simple requirements and interesting
yang menarik dalam rangka edukasi perbankan untuk mendorong features in the framework of banking education to encourage
budaya menabung sejak dini. savings culture early.
Pembiayaan Financing
UKM ViS IB ViS iB SME

Pembiayaan untuk investasi usaha/pembiayaan modal kerja Financing for business investment/working capital (financing
(pembiayaan kas, piutang usaha maupun persediaan) dengan of cash, business receivables, or inventories) with returns in
pengembalian sesuai dengan akad pembiayaan yang disepakati accordance with the financing agreement made between the
antara Bank dan pelaku usaha UKM. Bank and the SME business actors.
KPM ViS IB ViS iB KPM (Car Ownership Program)

Fasilitas pembiayaan kepemilikan mobil untuk keperluan Financing facility for car ownership for consumptive purpose
konsumtif yang diberikan kepada nasabah perorangan dengan given to individual customer by murabahah agreement where
akad murabahah dimana Bank Victoria Syariah menjual mobil Bank Victoria Syariah sells car to customer at principal cost plus
kepada nasabah sebesar harga pokok ditambah marjin yang the agreed margin.
disepakati.
KMG ViS IB ViS iB Multipurpose

Produk pembiayaan kepemilikan barang multiguna untuk Financing product for multipurpose goods ownership given
kebutuhan konsumtif yang diberikan kepada nasabah perorangan to individual customer by murabahah agreement where Bank
dengan akad murabahah dimana Bank Victoria Syariah menjual Victoria Syariah sells goods/objects to customer at principal cost
barang/benda kepada nasabah sebesar harga pokok ditambah plus the agreed profit margin.
dengan marjin keuntungan yang disepakati.
KPR ViS iB ViS iB KPR (Home Ownership Program)

Fasilitas pembiayaan kepemilikan rumah untuk keperluan Financing facility for home ownership for consumptive purpose
konsumtif yang diberikan kepada nasabah perorangan dengan given to individual customer by murabahah agreement where
akad murabahah dimana Bank Victoria Syariah membiayai Bank Victoria Syariah finance a house purchase to customer at
pembelian rumah kepada nasabah sebesar harga pokok ditambah principal cost plus the agreed margin.
marjin yang disepakati.
Komersial ViS IB ViS iB Commercial

Pembiayaaan produktif untuk usaha komersial dengan Productive financing for commercial business by using the sale
menggunakan akad jual beli dan bagi hasil dan sesuai dengan and purchase agreement and profit sharing and in accordance
syarat dan ketentuan yang berlaku. with the applicable terms and conditions.

Lembaga Penunjang Pasar Modal

// Capital Market Supporting Institutions
Wali Amanat
Trustee
Nama Lembaga
PT Bank Mega Tbk
Institution Name
Alamat Menara Bank Mega

Address Jl. Kapten Tendean No. 12 – 12A
Jakarta, 12970
T : (021) 7917 5000
F : (021) 7918 7100
W : www.bankmega.com
Nomor STTD 20/STTD-WA/PM/2000 tanggal 2 Oktober 2000

Registered Certificate No. 20/STTD-WA/PM/2000 dated 2 October 2000
Keanggotaan Asosiasi Asosiasi Wali Amanat Indonesia (AWAI) sesuai Surat Keterangan AWAI No. AWAI/06/2008 tanggal
Association Membership 17 Desember 2008
Indonesian Association of Trustees (AWAI) in accordance to AWAI Certificate No. AWAI/06/2008 dated 17
December 2008
Pedoman Kerja Peraturan Otoritas Jasa Keuangan

Work Guideline Regulation of Financial Services Authority
Jasa yang Diberikan Perwakilan pemegang Obligasi Berkelanjutan I Bank Victoria Tahap II Tahun 2019 dan Obligasi Subordinasi
Services Offered Berkelanjutan I Bank Victoria Tahap II Tahun 2019 berdasarkan Surat No. 0579/CAMS-WA/19 tanggal 13 Maret
2019 dan Surat No. 2524/CAMS-WA/19 tanggal 3 Oktober 2019.
Representative of the holders of Bank Victoria Continuous Bond I Phase II of 2019 and Bank Victoria
Continuous Subordinated Bond I Phase II of 2019 based on a Letter No.0579/CAMS-WA/19 tanggal 13 March
2019 and Letter No. 2524/CAMS-WA/19 dated 3 October 2019.
Biaya
Rp240,000,000.00,-
Fee
Penjamin Pelaksana Emisi

Securities Underwriter
Nama Lembaga PT Victoria Sekuritas Indonesia
Institution Name
Alamat Senayan City, Panin Tower Lt 8

Address Jl. Asia Afrika Lot. 19
Jakarta, 10270
T : (021) 7278 2310
F : (021) 7278 2280
W : www.victoria-sekuritas.co.id
Nomor Izin Usaha Keputusan Ketua Bapepam dan LK No. KEP-01/BL/PEE/2012

Business License Number Decree of Chairman of Bapepam-LK No. KEP-01/BL/PEE/2012
Pedoman Kerja Ketentuan Perjanjian Penjaminan Emisi Obligasi/Obligasi Subordinasi dan Peraturan No. IX.A.7 (Lampiran
Work Guideline Keputusan Ketua Bapepam dan LK No. Kep-691/BL/2011 tanggal 30 Desember 2011 tentang Pemesanan dan
Penjatahan Efek dalam Penawaran Umum).
Terms of Underwriting Agreement of Bond/Subordinated Bond and Regulation No. IX.A.7 (Attachment to
Decree of Chairman of Bapepam-LK No. Kep-691/BL/2011 dated 30 December 2011 on Securities Booking and
Allotment in Public Offering).
Jasa yang Diberikan Penyelenggaraan dan pelaksanaan Penerbitan Obligasi Berkelanjutan II dan Obligasi Subordinasi
Services Offered Berkelanjutan II bank Victoria berdasarkan Surat No. 0641A/VSI/DIR/II/2019 tanggal 11 Februari 2019.
Implementation and execution of the Issuance of Continuous Bonds II and Continuous Subordination Bonds
II of Bank Victoria based on Letter No. 0641A/VSI/DIR/II/2019 dated 11 February 2019.
Biaya Rp5,000,000,000.00,-
Fee

Pencatatan Efek
Securities Listing
Nama Lembaga Bursa Efek Indonesia
Institution Name Indonesia Stock Exchange
Alamat Indonesia Stock Exchange Building Tower I

Address Jl. Jend. Sudirman Kav. 52-53
T : (021) 5150 515
F : (021) 5150 330
W : www.idx.co.id
Pedoman Kerja Undang-Undang Pasar Modal dan Peraturan Otoritas Jasa Keuangan
Work Guideline Capital Market Laws and Financial Services Authority Regulation
Jasa yang Diberikan Pencatatan efek dalam rangka penerbitan Obligasi Berkelanjutan II Bank Victoria dan Obligasi Subordinasi
Services Offered Berkelanjutan II Bank Victoria berdasarkan Perjanjian Pendahuluan Pencatatan Efek No. SP-00005/BEI.
PP2/05-2019 tanggal 10 Mei 2019.
Listing of securities in the framework of the issuance of Continuous Bonds II of Bank Victoria and Continuous
Subordination Bonds II Bank Victoria based on Preliminary Agreement of Securities Listing No. SP-00005/
BEI.PP2/05-2019 dated 10 May 2019.
Biaya Rp122,500,000.00,-
Fee
Lembaga Distribusi Efek

Securities Distribution Agency
Nama Lembaga PT Kustodian Sentral Efek Indonesia (KSEI)
Institution Name
Alamat Indonesia Stock Exchange Building Tower I Lt. 5

Address Jl. Jend. Sudirman Kav. 52-53
T : (021) 5152 855
F : (021) 5299 1199
W : www.ksei.co.id
Pedoman Kerja Undang-Undang Pasar Modal dan Peraturan Otoritas Jasa Keuangan
Work Guideline Capital Market Laws and Financial Services Authority Regulation
Jasa yang Diberikan Pencatatan kepemilikan dan pendistribusian pembayaran bunga obligasi dan pelunasan pokok bunga obligasi
Services Offered dalam rangka penerbitan Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun 2019, Obligasi Subordinasi
Berkelanjutan II Bank Victoria Tahap I Tahun 2019, dan Obligasi Subordinasi Berkelanjutan II Bank Victoria
Tahap II Tahun 2019 berdasarkan Surat Perjanjian Kerja No. SP-030/OBL/KSEI/0319 tanggal 8 April 2019, No.
SP-030/OBL/KSEI/0319 tanggal 8 April 2019, dan No. SP-107/OBL/KSEI/1019 tanggal 18 Oktober 2019.
Listing of ownership and distribution of interest payments on bonds and redemption of principal interest
of bond in the framework of issuance of Bank Victoria Continuous Bond II Phase I Year 2019, Bank Victoria
Continuous Subordination Bonds II Phase I Year 2019, and Bank Victoria Continuous Subordination Bonds II
Phase II Year 2019 based on Work Agreement Letter No. SP-030/OBL/KSEI/0319 dated 8 April 2019, No. SP-
030/OBL/KSEI/0319 dated 8 April 2019, and No. SP-107/OBL/KSEI/1019 dated 18 October 2019.
Biaya Rp20,000,000,-
Fee

Konsultan Hukum
Legal Consultant
Nama Lembaga Da Silva dan Suhardiadi
Institution Name
Alamat One Pacific Place Lvl. 11

Address Sudirman Central Business District
Jl. Jend. Sudirman Kav. 52 – 53
Jakarta, 12190
T : (021) 2783 0550
F : (021) 2985 9889
Nomor STTD 62/STTD-KH/PM/1996 tanggal 10 September 1996

Registered Certificate No. 62/STTD-KH/PM/1996 dated 10 September 1996
Keanggotaan Asosiasi Himpunan Konsultan Hukum Pasar Modal (HKHPM) No. 95010 Anggota PERADI No. G.96.10878
Association Membership Association of Capital Market Legal Consultants (HKHPM) No. 95010 Member of PERADI No. G.96.10878
Pedoman Kerja Standar Profesi Konsultan Hukum Pasar Modal

Work Guideline Professional Standards of Capital Market Legal Consultants
Jasa yang Diberikan Pemeriksaan segi hukum dalam rangka penerbitan Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun 2019,
Services Offered Obligasi Subordinasi Berkelanjutan II Bank Victoria Tahap I Tahun 2019, dan Obligasi Subordinasi Berkelanjutan
II Bank Victoria Tahap II Tahun 2019 berdasarkan Surat Jasa Hukum No. 01/S/PNW/PM/DSS/II/2019 tanggal 22
Februari 2019, No. 01.A/S/PNW/PM/DSS/II/2019 tanggal 26 Februari 2019, No. 04/S/PNW/MFD/DSS/IX/2019
tanggal 25 September 2019, dan No 04A/S/PNW/MFD/DSS/IX/2019 tanggal 27 September 2019.
Legal examination in the framework of issuance of Bank Victoria Continuous Bond II Phase I Year 2019, Bank
Victoria Continuous Subordination Bonds II Phase I Year 2019, and Bank Victoria Continuous Subordination
Bonds II Phase II Year 2019 based on Legal Services Letter No. 01/S/PNW/PM/DSS/II/2019 dated 22 February
2019, No. 01.A/S/PNW/PM/DSS/II/2019 dated 26 February 2019, No. 04/S/PNW/MFD/DSS/IX/2019 dated 25
September 2019, and No 04A/S/PNW/MFD/DSS/IX/2019 dated 27 September 2019.
Biaya Rp480,000,000,-
Fee
Notaris
Notary
Nama Lembaga Fathiah Helmi SH
Institution Name
Alamat Graha Irama Lt. 6C

Address Jl. HR Rasuna Said Kav. 1 – 2
Jakarta, 12950
T : (021) 5290 7304
(021) 5290 7305
(021) 5290 7306
F : (021) 5261 136
Nomor STTD 02/STTD-N/PM/1996 tanggal 12 Februari 1996

Registered Certificate No. 02/STTD-N/PM/1996 dated 12 February 1996
Keanggotaan Asosiasi Ikatan Notaris Indonesia (INI) No. 011.003.027.260958

Association Membership Indonesian Notary Association (INI) No. 011.003.027.260958
Pedoman Kerja Pernyataan Undang-Undang No. 30 Tahun 2004 tentang Jabatan Notaris dan Kode Etik Ikatan Notaris
Work Guideline Indonesia
Statement of Law No. 30 of 2004 on Position of Notary and Code of Ethics of Indonesian Notary Association
Jasa yang Diberikan Pembuatan akta dalam rangka penerbitan Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun 2019, Obligasi
Services Offered Subordinasi Berkelanjutan II Bank Victoria Tahap I Tahun 2019, dan Obligasi Subordinasi Berkelanjutan II Bank
Victoria Tahap II Tahun 2019 berdasarkan Surat No. 16/Prop/Obl/II/2019 tanggal 22 Februari 2019.
Preparing deed in the framework of issuance of Bank Victoria Continuous Bonds II Phase I Year 2019, Bank
Victoria Continuous Subordination Bonds II Phase I Year 2019, and Bank Victoria Continuous Subordination
Bonds II Phase II Year 2019 based on Letter No. 16/Prop/Obl/II/2019 dated 22 February 2019.
Biaya Rp145,000,000,-
Fee

Perusahaan Pemeringkat Efek

Securities Rating Agency
Nama Lembaga PT Pemeringkat Efek Indonesia
Institution Name
Alamat Panin Tower Lt. 17, Senayan City

Address Jl. Asia Afrika Lot 19
Jakarta, 10270
T : (021) 7278 2380
F : (021) 7278 2370
W : www.pefindo.com
Nomor STTD KEP-39/PM-PI/1994 tanggal 13 Agustus 1994

Registered Certificate No. KEP-39/PM-PI/1994 dated 13 August 1994
Keanggotaan Asosiasi Association of Credit rating Agency in Asia (ACRAA)

Association Membership
Pedoman Kerja Metodologi Pemeringkatan PT Pemeringkat Efek Indonesia (PEFINDO)

Work Guideline Rating Methodology of PT Pemeringkat Efek Indonesia (PEFINDO)
Jasa yang Diberikan Pemeringkatan Obligasi Berkelanjutan II Bank Victoria 2019 dan Obligasi Subordinasi Berkelanjutan II Bank
Services Offered Victoria Tahun 2019 berdasarkan Surat Perjanjian No. 041/PPJP/PEF-DIR/IV/2019 tanggal 1 April 2019.
Rating of Bank Victoria Continuous Bonds II 2019 and Bank Victoria Continuous Subordination Bonds II 2019
based on Agreement Letter No. 041/PPJP/PEF-DIR/IV/2019 dated 1 April 2019.
Biaya Rp250,000,000,-
Fee
Akuntan Publik
Public Accountant
Nama Lembaga Tanudiredja, Wibisana, Rintis dan Rekan (member of Pricewaterhouse Cooper)
Institution Name
Alamat WTC 3
Address JL. Jend. Sudirman Kav. 29-31
Jakarta, Indonesia, 12920
T : (021) 5212 901
F : (021) 5290 5555
F : (021) 5290 5050
W : www.pwc.com/id
Nomor STTD 384/PM/STTD-AP/2004

Registered Certificate No.
Keanggotaan Asosiasi Ikatan Akuntan Indonesia (IAI) No. 0229

Association Membership Indonesian Accountant Association (IAI) No. 0229
Pedoman Kerja Pernyataan Standar Akuntansi Keuangan (PSAK) dan Standar Profesional Akuntan Publik (SPAP)
Work Guideline Statements of Financial Accounting Standards (PSAK) and Professional Standards of Certified Public
Accountants (SPAP)
Jasa yang Diberikan • Menyediakan Comfort Letter dan review informasi keuangan dalam rangka penawaran umum Obligasi
Services Offered Berkelanjutan II Bank Victoria Tahun 2019 dan Obligasi Subordinasi Berkelanjutan II Bank Victoria Tahun
2019 berdasarkan Surat Penugasan No. EL2019040502/MJW/LES/ash tanggal 5 April 2019; dan
• Audit Laporan Keuangan tahun buku 2019 berdasarkan Surat Konfirmasi No. EL2019091301 tanggal 13
September 2019.
• Providing Comfort Letter and review of financial information in the framework of public offering of Bank
Victoria Continuous Bonds II Year 2019 and Bank Victoria Continuous Subordination Bonds II Year 2019
based on Assignment Letter No. EL2019040502/MJW/LES/ash dated 5 April 2019; and
• Audit of Financial Statements of 2019 fiscal year based on Confirmation Letter No. EL2019091301 dated 13
September 2019.
Biaya Rp1,500,000,000,-
Fee

Akuntan Publik
Public Accountant
Nama Lembaga Doli, Bambang, Sulistiyanto, Dadang dan Ali (member of BKR International)
Institution Name
Alamat Jl. Danau Jempang Blok B3 No. 29

Address Bendungan Hilir, Tanah Abang
Jakarta Pusat, 10210
T : (021) 5790 3548
W : www.kapdbsda.com
Nomor STTD 017/NB.122/STTD-AP/2016

Registered Certificate No. 017/NB.122/STTD-AP/2016
Keanggotaan Asosiasi Registrasi Akuntan Publik dengan lisensi No : KEP-794/KM.I/2013

Association Membership Registered Public Accountant, with license No. KEP-794/KM.I/2013
Pedoman Kerja Keputusan Ketua Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam dan LK) No.Kep-691/
Work Guideline BL/2011 tanggal 30 Desember 2011 Peraturan No.IX.A.7 tentang Tanggung Jawab Manajer Penjatahan Dalam
Rangka Pemesanan dan Penjatahan Efek dalam Penawaran Umum.
Decree of Chairman of Capital Market and Financial Institution Supervisory Agency (Bapepam and LK) No.
Kep-691/BL/2011 dated 30 December 2011 Regulation No. IX.A.7 on Responsibilities of Allotment Manager in
the Framework of Subscription and Allotment of Securities in Public Offering.
Jasa yang Diberikan Audit penjatahan Obligasi Berkelanjutan II Bank Victoria Tahap I Tahun 2019, Obligasi Subordinasi
Services Offered Berkelanjutan II Bank Victoria Tahap I Tahun 2019, dan Obligasi Subordinasi Berkelanjutan II Bank Victoria
Tahap II Tahun 2019 berdasarkan Proposal No. 13.74062019/EL/DBSDA/SS tanggal 13 Juni 2019 dan No.
0031111019/EL/DBSDA tanggal 8 Oktober 2019.
Audit on allotment of Bank Victoria Continuous Bonds II Phase I Year 2019, Bank Victoria Continuous
Subordination Bonds II Phase I Year 2019, and Bank Victoria Continuous Subordination Bonds II Phase II Year
2019 based on Proposal No. 13.74062019/EL/DBSDA/SS dated 13 June 2019 and No. 0031111019/EL/DBSDA
dated 8 October 2019.
Biaya Rp65,000,000,-
Fee
Biro Administrasi Efek

Share Registrar Bureau
Nama Lembaga PT Adimitra Jasa Korpora
Institution Name
Alamat Rukan Kirana Boutiqe Office

Address Jl. Kirana Avenue III Blok F3 No. 5
Kelapa Gading, Jakarta Utara, 14250
T : (021) 2974 5222
F : (021) 2928 9961
W : www.adimitrajk.co.id
Nomor Izin Usaha Keputusan Otoritas Jasa Keuangan No. KEP-41/D.04/2014 tanggal 19 September 2014
Business License Number FSA Decree No. KEP-41/D.04/2014 dated 19 September 2014
Keanggotaan Asosiasi Biro Administrasi Efek Indonesia No. ABI/11/2015-012

Association Membership Indonesia Stock Exchange Administration Bureau No. ABI/11/2015-012
Pedoman Kerja Peraturan Otoritas Jasa Keuangan

Work Guideline Regulation of Financial Services Authority
Jasa yang Diberikan Pencatatan saham dan Administrasi Saham berdasarkan Surat Penunjukkan No. PW-01/BV/0599 tanggal
Services Offered 10 Mei 1999 dan Surat No. PW-075/BVIC/042019.
Listing of share and Share Administration based on Appointment Letter No. PW-01/BV/0599 dated 10 May
1999 and Letter No. PW-075/BVIC/042019.
Biaya Rp86,000,000,-
Fee

Alamat Perusahaan Bank Victoria, Entitas Induk,

dan Entitas Anak
// Address of Bank Victoria, Parent Company, and Subsidiary
Alamat Perusahaan Bank Victoria Address of Bank Victoria

Alamat Telepon/Fax/Email/ Situs Web
Address Telephone/Fax/Email/Website
Gedung Graha BIP T : (021) 5228 888

Jl. Gatot Subroto Kav. 23 F : (021) 5228 777
Jakarta Selatan, 12930 E : corsec@victoriabank.co.id
W : www.victoriabank.co.id
Nama Alamat Telepon/Fax

Name Address Telephone/Fax
Kantor Cabang
Branch Offices
KC Senayan Gedung Bank Panin Senayan Lt. Dasar T : (021) 5735 425
Jl. Jend. Sudirman No. 1 F : (021) 5735 429
Kel. Gelora, Jakarta Selatan, 12710
KC Cideng Jl. Cideng Timur No. 33 T : (021) 6338 913

Kel. Petojo Utara, Kec. Gambir F : (021) 6338 914
KC Fatmawati Jl. RS Fatmawati No. 85A T : (021) 7201 496

RT 006 RW 005, Cipete Utara, Kebayoran Baru F : (021) 7201 497
KC Kelapa Gading 1 Jl. Taman Mandiri I No. 8 Kav A1-B1 T : (021) 4514 012
Kelapa Gading Timur, Jakarta Utara, 14240 F : (021) 4514 013
KC Bogor Jl. Pakuan No. 8 T : (0251) 8343 800 (hunting)

Kel. Baranangsiang, Kec. Bogor Timur (0251) 8343 804
Bogor, Jawa Barat, 16143 (0251) 8343 806
(0251) 8343 805 (direct)
F : (0251) 8343 807
KC Surabaya Jl. Raya Darmo No. 173 T : (031) 5670 778 (hunting)
Kel. Darmo, Kec. Wonokromo F : (031) 5670 775
Kotamadya Surabaya, 60241
KC Bandung Jl. Braga No. 16 T : (022) 4266 846

Kel. Braga, Kec. Sumur Bandung F : (022) 4266 845
Bandung, Jawa Barat, 40111
KC Manado Jl. Walter Monginsidi Komplek Ruko Bahu Mall Blok E No.5 T : (0431) 831 431
Kel. Bahu, Kec. Malalayang F : (0431) 831 427
Manado, Sulawesi Utara, 95115
KC Bali Jl. Raya Imam Bonjol No. 117 T : (0361) 8451 000
Dusun BR. Tenten F : (0361) 8451 010
Bali, 80114
KC Semarang Jl. Raya Pemuda No. 108 T : (024) 3587 048

Kel Kembang Sari, Kec. Semarang Tengah F : (024) 3587 049
Jawa Tengah, 50139
KC Makassar Ruko Poros Boulevard/ Ruko Emerald No. 16 T : (0411) 4093 171
Jl. Boulevard Masale F : (0411) 4093 262
Kel. Masale, Kec. Panakukang
Makasar, Sulawesi Selatan


KC Solo Jl. Brigjen Slamet Riyadi No. 424 T : (0271)722 243
Kel. Purwosari, Kec. Laweyan F : (0271)713 576
Surakarta, Jawa Tengah, 57142
KC BIP Graha BIP Lt. Dasar T : (021) 5258 208

Jl. Gatot Subroto Kav. 23, F : (021) 5258 028
Kel. Karet Semanggi, Kec. Setiabudi Lama
KC Medan Jl. Zainal Arifin No. 53C T : (061) 8051 0979

Kel. Madras Hulu, Kec. Medan Polonia F : (061) 4576 274
Medan, Sumatera Utara, 20153

Sub-branch Offices
KCP Anggrek Neli Murni Jl. Anggrek Nelimurni Raya Blok A No. 97B T : (021) 5367 1734
Kel. Kemanggisan, Kec. Palmerah F : (021) 5367 1735
Jakarta Barat, 11480
KCP Aries Niaga Rukan Aries Niaga Blok A1 No. 3-J T : (021) 5890 6903
Jl. Taman Aries F : (021) 5890 6904
Kel. Meruya Utara, Kec. Kembangan
KCP Bekasi Jl. Ir. H Juanda No. 132 T : (021) 8802 358
Kel. Margahayu, Kec. Bekasi Timur (021) 8802 413
Bekasi, 17113 F : (021) 8802 924
KCP BSD Bumi Serpong Damai Sektor IV Blok RE No. 52 T : (021) 5315 2783
Kel. Lengkong Wetan, Kec. Serpong F : (021) 5315 2785
Tangerang, 15322
KCP Cikini Hotel Ibis Budget Unit GF. 06 T : (021) 3145 223
Jl. Cikini Raya No. 75 (021) 3145 2210
Menteng, Jakarta Pusat, 10330 F : (021) 3145 223
KCP CBD Pluit Central Business District Pluit S-01 T : (021) 6667 2934
Jl. Pluit Selatan Raya No. 1 F : (021) 6667 2935
Penjaringan, Jakarta Utara, 14440
KCP Cempaka Mas Komplek Mega Grosir Cempaka Mas Blok Q No. 8 T : (021) 4227 453
Jl. Letjend. Suprapto F : (021) 4227 492
Kel. Sumur Batu, Kec. Kemayoran
KCP Citra Dua Rukan Citra Niaga Blok A/5 T : (021) 5437 6656
Kel. Pegadungan, Kec. Kalideres F : (021) 5437 6695
KCP Daan Mogot Rukan Pusat Bisnis Blok KJG No. 8 T : (021) 5437 7359
Daan Mogot Baru, Kel. Kalideres, Kec. Kalideres F : (021) 5437 7368
KCP Duta Mas Komplek Perumahan Taman Duta Mas Blok D8 No. 12 T : (021) 5697 9990
Kel. Wijaya Kusuma, Kec. Grogol Petamburan F : (021) 5697 9996
KCP Green Garden Komplek Green Garden Blok A 14 No. 28 T : (021) 5835 6803
Jl. Panjang Kedoya Utara F : (021) 5835 6844
Kel. Kedoya Utara, Kec. Kebon Jeruk
KCP Jembatan Dua Komplek Ruko Robinson T : (021) 6660 7774

Jl. Jembatan Dua Raya No. 82 B-M, F : (021) 6660 7775
Kel. Pejagalan, Kec. Penjaringan
Jakarta Utara, 14450
KCP Jembatan Lima Jl. KH. M. Mansyur No. 202D T : (021) 6386 8721
Kel. Tanah Sereal, Kec. Tambora F : (021) 6261 083
KCP Pasar Baru Jl. Lautze Raya No. 65, RT 001 RW 06 T : (021) 3504 272
Kel. Pasar Baru, Kec. Sawah Besar F : (021) 3500 761


KCP Kebayoran Lama Jl. Raya Kebayoran Lama Blok A 1-2 No. 2 T : (021) 7250 071
Kel. Grogol Selatan, Kec. Kebayoran Lama F : (021) 7250 017
KCP Kebon Jeruk Komplek Pertokoan Intercon Blok B No. 4-5 T : (021) 5874 427
Jl. Meruya Ilir Raya F : (021) 5842 379
Kel. Srengseng, Kec. Kembangan
KCP Kelapa Gading Boulevard Komplek Ruko Kelapa Gading Blok LC-6 No. 14 T : (021) 4507 672
Jl. Raya Boulevard Barat F : (021) 4528 854
Kel. Kelapa Gading Barat, Kec. Kelapa Gading
KCP Kemang Jl. Kemang Raya No. 82 C T : (021) 7193 521

Kel. Bangka, Kec. Mampang Prapatan F : (021) 7193 721
KCP Mangga Besar Jl. Mangga Besar Raya No. 30 B-C T : (021) 6254 832
Kel. Maphar, Kec. Taman Sari F : (021) 6254 833
KCP Gading Serpong Ruko Rodeo Drive Blok B No. 6 T : (021) 5421 7245
Jl. Boulevard Gading Serpong F : (021) 5421 7247
Kel. Pakulonan Barat, Kec. Kelapa Dua
Tangerang, 15333
KCP Patal Senayan Rukan Permata Senayan Blok B No. 6 T : (021) 5794 0668
Jl. Tentara Pelajar F : (021) 5794 0667
Kel. Grogol Utara, Kec. Kebayoran Lama
KCP Pecenongan Jl. Pecenongan Raya No. 26 T : (021) 3865 627

Kel. Kebon Kelapa, Kec. Gambir F : (021) 3865 637
KCP Permata Hijau Ruko Grand ITC Permata Hijau Blok E No. 17 T : (021) 5366 4510
JL. Letjen Soepono (Jl. Arteri Permata Hijau) F : (021) 5366 4511
Kel. Grogol Utara, Kec. Kebayoran Lama
KCP Pantai Indah Kapuk Bukit Golf Mediterania Blok B/18 T : (021) 5694 5973
Pantai Indah Kapuk F : (021) 5694 5974
Kel. Kamal Muara, Kec. Penjaringan
KCP Pluit Jl. Pluit Karang Timur No. 44 Blok O-VIII T : (021) 6669 7032
Kel. Pluit, Kec. Penjaringan F : (021) 6669 7034
KCP Pondok Indah Plaza Pondok Indah Blok II Blok UPS No. 51 T : (021) 7591 5628
Jl. Metro Pondok Indah F : (021) 7591 5625
Kel. Pondok Pinang, Kec. Kebayoran Lama
KCP Pulogadung Pulogadung Trade Center Blok 8A No. 58 T : (021) 4613 958
Jl. Raya Bekasi KM 21 Kawasan Industri PT. JIEP Pulo F : (021) 4613 959
Gadung
Kel. Rawa Terate, Kec. Cakung
Jakarta Timur, 13920
KCP Puri Indah Komplek Puri Indah Blok A No. 3 T : (021) 582 0216
Jl. Puri Indah Raya F : (021) 582 0217
Kel. Kembangan Selatan, Kec. Kembangan
KCP Senayan City Mall Senayan City unit 6 – 11 T : (021) 7278 1749
Jl. Asia Afrika Lot 19 F : (021) 7278 1750
Kel. Gelora Senayan, Kec. Tanah Abang


KCP Setiabudi Gedung Setiabudi Atrium Lt. 1 Suite 101F T : (021) 5220 565
Jl. HR Rasuna Said Kav. 62 F : (021) 5220 575
Kel. Karet, Kec. Setiabudi
KCP Sunter Komplek Rukan Sunter Permai Blok A-9 T : (021) 6530 7347
Jl. Danau Sunter Utara F : (021) 6530 7348
Kel. Sunter Agung, Kec. Tanjung Priok
KCP Taman Palem Lestari Ruko Taman Palem Blok D1 N0. 19D T : (021) 5596 0771
Kel. Cengakareng Barat, Kec. Cengkareng F : (021) 5596 0772
KCP Tanjung Duren Jl. Tanjung Duren Raya Blok Z. III No. 687A T : (021) 5696 0722
Kel. Tanjung Duren Utara, Kec. Grogol Petamburan, F : (021) 5696 1711
KCP Tebet Jl. Prof. Dr. Soepomo, SH No. 73 A T : (021) 8379 0823
Kel. Menteng Dalam, Kec. Tebet F : (021) 8379 0828
KCP Wisma Slipi Wisma Slipi Lt. Dasar T : (021) 5308 800
Jl. Let. Jend. S Parman Kav 12, F : (021) 5307 207
Kel. Kemanggisan, Kec. Palmerah
KCP Villa Melati Mas Komplek Villa Melati Mas Blok B-10 No. 53 T : (021) 5370 591
Jl. Bougenville Raya F : (021) 5370 592
Ds. Jalupang, Kec. Serpong
Tangerang, 15323
KCP Gajah Mada Jl. Gajah Mada No. 41 T : (021) 6386 6845
Jakata Barat, 11140 F : (021) 6386 6846
KCP Asemka JL. Pintu Kecil No. 58 E T : (021) 6983 0696

Kel. Roamalaka, Kec. Tambora F : (021) 6983 0697
KCP Tanah Abang Pusat Grosir Metro Tanah Abang Lt. 7 Unit 5 T : (021) 3003 6030
Jl. KH Wahid Hasyim F : (021) 3003 6010
Kel. Kebon Kacang, Kec. Tanah Abang
KCP Central Park Garden Shopping Arcade B/08/BG T : (021) 2920 6257
Jl. Tanjung Duren Raya Kav. 5-9 F : (021) 2920 6258
Tanjung Duren, Jakarta Barat, 11470
KCP Hybrida Jl. Raya Kelapa Hybrida Blok RA 3/21 T : (021) 4584 4466
Pengangsaan, Kelapa Gading, Jakarta Utara 14250 F : (021) 4584 4433
KCP Permata Buana Taman Permata Buana Blok D1/31 T : (021) 5835 1917
JL. Pulau Bira V F : (021) 5835 1918
Kel. Kembangan Utara, Kec. Kembangan
KCP Wisma Indocement Wisma Indocement Lt. Dasar T : (021) 5223 765
Jl. Jend. Sudirman Kav 70 – 71, F : (021) 5223 762
Kel. Setibudi, Kec. Setiabudi
KCP Pasar Jatinegara Jl. Pintu Pasar Timur No.25 T : (021) 2138 1385
Kel. Bali Mester, Kec. Jatinegara F : (021) 2138 1380
Jakarta Timur, 13310
KCP Bintaro Jl. Raya Bintaro Utama Blok A No. 7 Sektor 3 T : (021) 7369 0479
Ds. Pondok Karya, Kec. Pondok Aren F : (021) 7369 0482
Tangerang, 15225
KCP Duta Merlin Komplek Pertokoan Duta Merlin Blok A No. 10 T : (021) 6386 5970
JL. Gajah Mada No. 3-5 F : (021) 6386 5971
Kel. Petojo Utara, Kec. Gambir


KCP Grand Boutiqe Grand Boutique Center Blok D Kav. 1 T : (021) 6122 378
JL. Mangga Dua Raya F : (021) 6122 379
Kel. Ancol, Kec. Pademangan
Kantor Kas
Cash Offices
KK ITC Mangga Dua ITC Mangga Dua T : (021) 6230 0771

Lt. 2 Blok A No. 6 (021) 6230 0969
Kel. Ancol, Kec. Penjaringan F : (021) 6230 0964
KK Tomang Lobby Gedung Mandala Airlines T : (021) 5697 2227

Jl. Tomang Raya No. 33-37 F : (021) 5697 2237
Kel. Tomang, Kec. Grogol Petamburan
KK Grand Wijaya Komplek Grand Wijaya Blok C No. 10 T : (021) 7200 009
JL. Wijaya II F : (021) 7202 878
Kel. Pulo, Kec. Kebayoran Baru
KK Sahid Sudirman Sahid Sudirman Residence Unit LB/01 T : (021) 5297 0293
Jl. Jend. Sudirman Kav. 86 F : (021) 5297 0294
KK Teluk Gong Komplek Duta Harapan Indah Blok L No. 6 T : (021) 6628 390
Kel. Kapuk Muara, Kec. Penjaringan F : (021) 6628391
KK Karawaci Komplek Karawaci Office Park Blok I No. 27 T : (021) 5582 581
JL. Pintu Besar Selatan F : (021) 5582 592
Kel. Panunggangan Barat, Kec. Cibodas
Tangerang, 15139
KK Semanan Komplek Ruko Plaza deLumina Blok B-3A T : (021) 2903 0615
Jl. Lingkar Luar Barat, Semanan F : (021) 2903 0616
KK Samanhudi Jl. Samanhudi No. 57-57A T : (021) 3513 109

Pasar Baru, Jakarta Pusat, 10710 F : (021) 3513 187
KK Muara Karang 2 Jl. Pluit Karang Utara No. 46 Blok I1 Selatan Kav. 48 T : (021) 6604 144
Penjaringan, Jakarta Utara 14450 F : (021) 6604 116
KK Gedong Panjang Jl. Gedong Panjang Raya No. 5A T : (021) 6900 453
Tambora, Jakarta Barat, 11240 F : (021) 6900 455
KK Tanah Abang Blok B Jl. KH Fachrudin T : (021) 831 431

Pertokoan Grosir Mall Tanah Abang Blok B Lt. 5 Loss Ktr F : (021) 831 427
No. 2
Kel. Kampung Bali, Kec. Tanah Abang
KK Graha Pena Surabaya Jl. Ahmad Yani No. 88 T : (031) 9903 221
Wisma Graha Pena Ground Floor F : (031) 9903 228
Kel. Ketintang, Kec. Gayungan
Surabaya, 60234
Jaringan Kantor Lain

Other Office Network
Kegiatan Pelayanan Kas Cabang Surabaya Jl. Raya Darmo No. 173 T : (031) 5670 778 (hunting)
Cash Services Activities of Surabaya Branch Kel. Darmo, Kec. Wonokromo F : (031) 5670 775
Kotamadya Surabaya, 60241

Alamat Entitas Induk Address of the Parent Company

Gedung Graha BIP Lt. 3A T : (021) 5099 2950

Jl. Gatot Subroto Kav. 23 F : (021) 5099 2951
Jakarta Selatan, 12930 E : corsec@victoriainvestama.co.id
W : www.victoriainvestama.co.id
Alamat Entitas Anak Subsidiary Address

Gedung Graha BIP Lt. 5 T : (021) 5600 467

Jl. Gatot Subroto Kav. 23 (021) 5225 285 (hunting)
Kel. Karet Semanggi, Kec. Setiabudi F : (021) 5664 247
Jakarta Selatan, 12930 E : corsec@bankvictoriasyariah.co.id
W : www.bankvictoriasyariah.co.id

Kantor Cabang
Branch Offices
KC Jakarta Gedung The Victoria Lt. 1 T : (021) 5600 468

Jl. Tomang Raya Kav. 35-37 F : (021) 2920 0630
KC Bandung Jl. Gatot Soebroto No. 3 T : (022) 8734 0303

Bandung, Jawa Barat, 40273 F : (022) 8734 0311
KC Bekasi Bekasi Square No. 6 T : (021) 8243 4874

Jl. A Yani (021) 8243 4875
Pekayon, Bekasi, 17148 F : (021) 8243 4876
KC Cirebon Cirebon Super Block, Blok GS/5 T : (0231) 8291 051

Jl. Dr. Cipto Mangunkusumo No. 26 (0231) 8291 052
Cirebon, Jawa Barat, 45131 F : (0231) 8291 053
KC Denpasar Tuban Plaza No. 45 T : (0361) 7535 3132

Jl. By Pass I Gusti Ngurah Rai, Tuban, F : (0361) 768 081
Kuta, Badung, Bali, 80361
KC Serang Jl. Jend. Ahmad Yani No. 152A T : (0254) 227 621
Serang, Banten, 42116 F : (0254) 227 622
KC Solo Honggowongso Square Blok A/7, T : (0271) 660 832

Jl. Honggowongso F : (0271) 660 932
Solo, Jawa Tengah, 57152
KC Tegal Nirwana Square Blok A/12B T : (0283) 351 024

Tegal, Jawa Tengah (0283) 353 875
F : (0283) 768 081


Sub-branch Offices
KCP Depok Jl. Kemakmuran Raya No. 25 A T : (021) 7702 882

Kel. Mekarjaya, Kec. Sukmajaya, Depok II Tengah F : (021) 7703 340
Jawa Barat, 16411
KCP Pasar Induk Kramat Jati Pasar Induk Kramat Jati Blok D2/33 T : (021) 8779 7573
Jl. Raya Bogor KM 17 F : (021) 8779 7574
Kramat Jati, Jakarta Timur, 13520
KCP Tangerang Modern Land Blok AR/23 T : (021) 5574 7698

Jl. Jend. Sudirman F : (021) 5574 7699
Cikokol, Tangerang, Banten, 15118
KCP Tebet Grand Soepomo T : (021) 8378 5567

Jl. Prof. Dr. Soepomo SH Blok A Lt. 2 No. 73 F : (021) 8378 5568
Tebet, Jakarta Selatan, 12810
Akses Informasi
// Information Access
Bank Victoria telah menyediakan akses informasi yang dapat Bank Victoria has provided access to information that can be
digunakan seluruh pemangku kepentingan untuk memperoleh used by all stakeholders to obtain Company information through:
informasi melalui:
Lidwina Dian Pratiwi corsec@victoriabank.co.id T : (021) 5228 888 www.victoriabank.co.id

Kepala Divisi Corporate Secretary F : (021) 5228 777
Head of Corporate Secretary Division

Informasi pada Situs Laman Perusahaan

// Information on Company Website
Bank Victoria berkomitmen untuk terus meningkatkan penerapan Bank Victoria is committed to continue to improve the
prinsip keterbukaan serta meningkatkan pelaksanaan tata kelola implementation of transparency principle and improve the
perusahaan yang baik (good corporate governance) khususnya implementation of good corporate governance, especially to
kepada Pemegang Saham, nasabah, masyarakat, pemerintah, dan Shareholders, customers, the public, the government, and other
pemangku kepentingan lainnya melalui penyajian informasi pada stakeholders through the presentation of information on the
website www.victoriabank.co.id. Berikut adalah tampilan utama website www.victoriabank.co.id. Below is the main appearance
website Bank Victoria. of Bank Victoria website.
Sejalan dengan diberlakukannya Peraturan Otoritas Jasa Keuangan In line with the Financial Services Authority Regulation No. 8/
No. 8/POJK.04/2015 tentang Situs Web Emiten atau Perusahaan POJK.04/2015 on Website of Issuers or Public Companies, Bank
Publik, Bank Victoria telah melengkapi website-nya dengan Victoria has completed its website with important information
informasi penting yang senantiasa diperbaharui secara berkala. that is regularly updated.
Pemenuhan Informasi pada Website

Fulfillment of Information on Website
Uraian Situs Perusahaan

Description Company Website
Informasi Pemegang Saham sampai dengan pemilik akhir individu √
Shareholders information up to the ultimate individual owner
Isi Kode Etik √

Contents of Code of Conduct
Informasi Rapat Umum Pemegang Saham √

Information of General Meeting of Shareholders
Laporan Keuangan Tahunan terpisah 5 (lima) tahun terakhir √

Separate Annual Financial Statements for the last 5 (five) years
Profil Dewan Komisaris dan Direksi √

Profile of Board of Commissioners and Board of Directors
Piagam Dewan Komisaris, Direksi, Komite-Komite, dan Unit Audit Internal √

Charter of the Board of Commissioners, Board of Directors, Committees, and
Internal Audit Unit

Informasi pada Link Website

Information on Website Link
Informasi Link Terkait

Information Related Link
Tentang Kami
About Us
Sekilas Bank Victoria https://www.victoriabank.co.id/page/tentang-kami/tentang-bank-victoria

About Bank Victoria https://www.victoriabank.co.id/page/tentang-kami/tentang-bank-victoria?lang=en
Visi dan Misi https://www.victoriabank.co.id/page/tentang-kami/visi-misi?lang=id

Vision and Mision https://www.victoriabank.co.id/page/tentang-kami/visi-misi
Budaya Perusahaan https://www.victoriabank.co.id/page/tentang-kami/budaya-perusahaan

Corporate Culture https://www.victoriabank.co.id/page/tentang-kami/budaya-perusahaan?lang=en
Struktur Perusahaan dan Grup https://www.victoriabank.co.id/page/tentang-kami/struktur-perusahaan-grup?lang=id

Company and Group Structure https://www.victoriabank.co.id/page/tentang-kami/struktur-perusahaan-grup
Tonggak Penting https://www.victoriabank.co.id/page/tentang-kami/tonggak-penting

Milestones https://www.victoriabank.co.id/page/tentang-kami/tonggak-penting
Manajemen https://www.victoriabank.co.id/page/tentang-kami/manajemen
Management https://www.victoriabank.co.id/page/tentang-kami/manajemen
Dewan Komisaris https://www.victoriabank.co.id/page/tentang-kami/manajemen/dewan-komisaris

Board of Commissioners https://www.victoriabank.co.id/page/tentang-kami/manajemen/dewan-komisaris?lang=en
Direksi https://www.victoriabank.co.id/page/tentang-kami/manajemen/-direksi
Board of Directors https://www.victoriabank.co.id/page/tentang-kami/manajemen/-direksi?lang=en
Pejabat Eksekutif https://www.victoriabank.co.id/page/tentang-kami/manajemen/-pejabat-eksekutif?lang=id

Executive Officer https://www.victoriabank.co.id/page/tentang-kami/manajemen/-pejabat-eksekutif
Sekretaris Perusahaan https://www.victoriabank.co.id/page/tentang-kami/manajemen/-sekretaris-perusahaan

Corporate Secretary https://www.victoriabank.co.id/page/tentang-kami/manajemen/-sekretaris-perusahaan?lang=en
https://www.victoriabank.co.id/page/tentang-kami/whistleblower?lang=id
Whistleblower
https://www.victoriabank.co.id/page/tentang-kami/whistleblower
h t t p s : / /w w w.v i c to r i a b a n k .c o. i d /p a g e /te n t a n g - ka m i /t a t a - ke l o l a /g o o d - c o r p o r a te -
Tata Kelola governance?lang=id
Good Corporate Governance
https://www.victoriabank.co.id/page/tentang-kami/tata-kelola
Komite-komite https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/komite-komite/
Committees https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/komite-komite/?lang=en
Kode Etik https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/kode-etik/?lang=id

Code of Conduct https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/kode-etik/
https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/kebijakan-manajemen-resiko/
Kebijakan Manajemen Resiko
Risk Management Policy https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/kebijakan-manajemen-
resiko/?lang=en
AML dan CFT https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/apu-ppt/

AML and CFT https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/apu-ppt/?lang=en
h t t p s : / /w w w.v i c to r i a b a n k .c o. i d /p a g e /te n t a n g - ka m i /t a t a - ke l o l a /g o o d - c o r p o r a te -
Good Corporate Governance Good governance/?lang=id
Corporate Governance Report
https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/good-corporate-governance/
https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/piagam-direksi-dewan-komisaris/
Piagam Direksi dan Dewan Komisaris
BOD and BOC Charter https://www.victoriabank.co.id/page/tentang-kami/tata-kelola/piagam-direksi-dewan-
komisaris/?lang=en
Penghargaan https://www.victoriabank.co.id/page/tentang-kami/penghargaan?lang=id
Award https://www.victoriabank.co.id/page/tentang-kami/penghargaan


Produk dan Layanan

Products and Services
Simpanan https://www.victoriabank.co.id/page/produk-layanan/simpanan
Saving https://www.victoriabank.co.id/page/produk-layanan/simpanan?lang=en
Tabungan https://www.victoriabank.co.id/page/produk-layanan/simpanan/tabungan
Savings https://www.victoriabank.co.id/page/produk-layanan/simpanan/tabungan
https://www.victoriabank.co.id/page/produk-layanan/simpanan/giro-
Giro
https://www.victoriabank.co.id/page/produk-layanan/simpanan/giro-
Investasi https://www.victoriabank.co.id/page/produk-layanan/simpanan/investasi
Investment https://www.victoriabank.co.id/page/produk-layanan/simpanan/investasi
Deposito https://www.victoriabank.co.id/page/produk-layanan/simpanan/deposito
Deposit https://www.victoriabank.co.id/page/produk-layanan/simpanan/deposito
Biaya dan Tarif Umum https://www.victoriabank.co.id/page/produk-layanan/biaya-tarif-umum?lang=id

Costs and General Fares https://www.victoriabank.co.id/page/produk-layanan/biaya-tarif-umum
Pinjaman https://www.victoriabank.co.id/page/produk-layanan/pinjaman
Loans https://www.victoriabank.co.id/page/produk-layanan/pinjaman?lang=en
Kredit Produktif https://www.victoriabank.co.id/page/produk-layanan/pinjaman/kredit-produktif

Productive Loan https://www.victoriabank.co.id/page/produk-layanan/pinjaman/kredit-produktif?lang=en
Kredit Konsumtif https://www.victoriabank.co.id/page/produk-layanan/pinjaman/kredit-konsumtif?lang=id

Consumptive Loan https://www.victoriabank.co.id/page/produk-layanan/pinjaman/kredit-konsumtif
Layanan https://www.victoriabank.co.id/page/produk-layanan/layanan?lang=id
Services https://www.victoriabank.co.id/page/produk-layanan/layanan?lang=en
https://www.victoriabank.co.id/page/produk-layanan/layanan/victoria-internet-business-
Victoria Internet Business (VIBIZ) (vibiz)?lang=id
https://www.victoriabank.co.id/page/produk-layanan/layanan/victoria-internet-business-(vibiz)
https://www.victoriabank.co.id/page/produk-layanan/layanan/internet-banking-(ib)-dan-mobile-
banking-(mb)
Internet Banking (IB) & Mobile Banking (MB)
https://www.victoriabank.co.id/page/produk-layanan/layanan/internet-banking-(ib)-dan-mobile-
banking-(mb)?lang=en
Hubungan Investor
Investor Relations
Informasi Saham https://www.victoriabank.co.id/page/hubungan-investor/informasi-saham

Share Information https://www.victoriabank.co.id/page/hubungan-investor/informasi-saham
Informasi Obligasi https://www.victoriabank.co.id/page/hubungan-investor/informasi-obligasi

Bonds Information https://www.victoriabank.co.id/page/hubungan-investor/informasi-obligasi
Laporan Tahunan https://www.victoriabank.co.id/page/hubungan-investor/laporan-tahunan

Annual Reports https://www.victoriabank.co.id/page/hubungan-investor/laporan-tahunan?lang=en
Laporan Keuangan https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan

Financial Performance https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan?lang=en
https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan/ikhtisar-
Ikhtisar Keuangan
keuangan?lang=id
Financial Highlights
https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan/ikhtisar-keuangan
https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan/laporan-kinerja-
Laporan Kinerja Keuangan Tengah Tahun keuangan-tengah-tahun
Mid Year Performance Financial Report https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan/laporan-kinerja-
keuangan-tengah-tahun?lang=en
Laporan Kinerja Triwulan triwulan?lang=id
Quarterly Performance Report https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan/laporan-kinerja-
triwulan


Laporan Kinerja Bulanan bulanan
Monthly Performance Report https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan/laporan-kinerja-
bulanan?lang=en
Laporan Kinerja Keuangan Tahunan keuangan-tahunan?lang=id
Annual Financial Performance https://www.victoriabank.co.id/page/hubungan-investor/laporan-keuangan/laporan-kinerja-
keuangan-tahunan
Anggaran Dasar Perseroan https://www.victoriabank.co.id/page/hubungan-investor/anggaran-dasar-perseroan

Article of Associations https://www.victoriabank.co.id/page/hubungan-investor/anggaran-dasar perseroan?lang=en
Rapat Umum Pemegang Saham https://www.victoriabank.co.id/page/hubungan-investor/rapat-umum-pemegang-saham-?lang=id

General Meeting Shareholders https://www.victoriabank.co.id/page/hubungan-investor/rapat-umum-pemegang-saham-
Prospektus https://www.victoriabank.co.id/page/hubungan-investor/prospektus
Prospectus https://www.victoriabank.co.id/page/hubungan-investor/prospektus?lang=en
Keterbukaan Informasi https://www.victoriabank.co.id/page/hubungan-investor/keterbukaan-informasi?lang=id

Enclosure Information https://www.victoriabank.co.id/page/hubungan-investor/keterbukaan-informasi
Profil Perusahaan https://www.victoriabank.co.id/page/hubungan-investor/profil-perusahaan

Company Profile https://www.victoriabank.co.id/page/hubungan-investor/profil-perusahaan?lang=en
Kontak Hubungan Investor https://www.victoriabank.co.id/page/hubungan-investor/kontak-hubungan-investor?lang=id

Investor Relation Contact https://www.victoriabank.co.id/page/hubungan-investor/kontak-hubungan-investor
Peringkat https://www.victoriabank.co.id/page/hubungan-investor/peringkat
Rating https://www.victoriabank.co.id/page/hubungan-investor/peringkat?lang=en
Asset yang Dijualbelikan https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan?lang=id

Foreclosed Collateral on Sale https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan
https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan/asset-yang-
Asset yang akan Dilelang akan-dilelang
Our Auctioned Asset https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan/asset-yang-
akan-dilelang?lang=en
https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan/tanah-
Tanah dan Bangunan yang dipasarkan bangunan-yang-dipasarkan?lang=id
Marketed Land and Building https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan/tanah-
bangunan-yang-dipasarkan
https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan/asset-milik-bank
Asset Milik Bank
Asset Owned by Bank https://www.victoriabank.co.id/page/hubungan-investor/asset-yang-dijualbelikan/asset-milik-
bank?lang=en
Berita dan Promo

News and Promotion
Tanggung Jawab Sosial https://www.victoriabank.co.id/page/tanggung-jawab-sosial-bank-victoria

Corporate Social Responsibility https://www.victoriabank.co.id/page/tanggung-jawab-sosial-bank-victoria?lang=en
Promosi Terbaru https://www.victoriabank.co.id/page/promosi-terbaru?lang=id

New Promotion https://www.victoriabank.co.id/page/promosi-terbaru
Berita Teraktual https://www.victoriabank.co.id/page/berita-teraktual

Actual News https://www.victoriabank.co.id/page /berita-teraktual?lang=en
Login Internet banking
ViBiz https://vib.victoriabank.co.id/ibb/login
ViBank https://ib.victoriabank.co.id/ib/login

Pendidikan dan/atau Pelatihan Dewan

Komisaris, Direksi, Komite-Komite, Sekretaris
Perusahaan, Audit Internal, dan Unit Lainnya
// Education and/or Training of Board of Commissioners, Board of Directors,
Committees, Corporate Secretary, and Internal Audit Unit
Sepanjang tahun 2019, Bank Victoria telah melaksanakan pelatihan Throughout 2019, Bank Victoria held trainings for Bank
bagi jajaran pengurus Bank, baik formal maupun informal. management, both formal and informal. The training aims to
Pelatihan tersebut bertujuan untuk meningkatkan kompetensi improve competence and support the implementation of duties
serta menunjang pelaksanaan tugas bagi masing-masing for each board. Below is the description of the training that has
pengurus. Berikut uraian pelatihan yang telah dilaksanakan. been carried out.
Pengembangan Kompetensi Competence Development of the Board of

Dewan Komisaris Commissioners
Jenis Pelatihan
Nama Jabatan Materi Penyelenggara Waktu
Name Position Type of Material Organizer Time
Trainings
Oliver Komisaris Utama Training/ Inhouse Training Going Extra Mile - Raker 2019 Bank Victoria - Business Februari
Simorangkir President Training on Going the Extra Mile - Wisdom Institute February
Commissioner 2019 Work Meeting
Training and Refreshment Cyber Lembaga Sertifikasi Profesi April

Security dan Financial Technology Perbankan
Dalam Bisnis Perbankan - Manajemen Banking Profession
Training/
Risiko Certification Institution
Refreshment
Training and Refreshment on Cyber
Security and Financial Technology in
Banking Business - Risk Management
Training/ Inhouse Training Preparing Sustainable ProAd Agustus

Finance August
Training on Preparing for Sustainable
Finance
Gunawan Komisaris/ Training/ Inhouse Training Going Extra Mile - Raker 2019 Bank Victoria - Business Februari
Tenggarahardja Komisaris Training on Going the Extra Mile - Wisdom Institute February
Independen 2019 Work Meeting
Commissioner/
Independent Training/ Training and Refreshment Cyber Lembaga Sertifikasi Profesi April
Commissioner Refreshment Security dan Financial Technology Perbankan
Dalam Bisnis Perbankan - Manajemen Banking Profession
Risiko Certification Institution
Training and Refreshment on Cyber
Security and Financial Technology in
Banking Business - Risk Management

Finance August
Finance

Jenis Pelatihan
Name Position Type of Material Organizer Time
Trainings
Zaenal Abidin, PhD Komisaris/ Training/ Inhouse Training Going Extra Mile - Raker 2019 Bank Victoria - Business Februari
Komisaris Training on Going the Extra Mile - Wisdom Institute February
Independen 2019 Work Meeting
Commissioner/
Independent Pelatihan Kontribusi CRP dalam Lembaga Sertifikasi Profesi April
Commissioner Membangun Pasar Modal yang Pasar Modal
Berintegritas dan Berkesinambungan Capital Market Professional
Training on CRP Contribution in Certification Institute
Building Integrity and Sustainable
Capital Market
Training Refreshment Sertifikasi Lembaga Sertifikasi Profesi Juli

Asesor KOmpetensi Pasar Modal July
Refreshment Training for Competency Capital Market Professional
Assessor Certification Certification Institute

Finance August
Finance
Training/ Public Training GCG Assesment and Risk RMG Oktober

Based Approach in the 4th Industrial October
Revolution
Training on GCG Assesment and Risk
Based Approach in the 4th Industrial
Revolution
Pengembangan Kompetensi Direksi Competence Development of the Board of

Directors
Jenis Pelatihan
Type of
Name Position Material Organizer Time
Trainings
Ahmad Fajar Direktur Utama Training Refreshment Sertifikasi
President Training/ Treasury Dealer - Advance Januari
ACI
Director Refreshment Refreshment Training on Treasury January
Dealer Certification - Advance
Training Going Extra Mile - Raker 2019

Bank Victoria - Business Februari
Training/ Inhouse Training on Going the Extra Mile - Wisdom Institute February
2019 Work Meeting
Training Refreshment Cyber Security

dan Fintech Dalam Bisnis Perbankan Lembaga Sertifikasi Profesi
Training/ - Manajemen Risiko Perbankan
April
Refreshment Refreshment Training on Cyber Banking Profession
Security and FinTech in Banking Certification Institute
Business - Risk Management

Jenis Pelatihan
Type of
Trainings
Training Preparing Sustainable
Finance Agustus
Training/ Inhouse ProAd
Training on Preparing for August
Sustainable Finance
Training Market Outlook - Trend

Investasi Batavia Prosperindo Aset Oktober
Seminar/ Public
Training on Market Outlook - Manajemen October
Investment Trends
Rusli Wakil Direktur

Utama Bank Victoria - Business Februari
Training/ Inhouse Training on Going the Extra Mile -
Deputy President Wisdom Institute February
2019 Work Meeting
Director

April

Finance Agustus
Sustainable Finance
Training Digital Economic; Rapat

Tahunan dan Apresiasi Mitra
Jaringan Prima 2019 Oktober
Seminar/ Public PT Rintis Sejahtera
Training on Digital Economy; Annual October
Meeting and Appreciation for Prima
Network Partners 2019
Training Plug and Play Asia Pacific

Apac Summit 2.0
Training/ Public APAC Summit November
Training on Plug and Play of Asia
Pacific Apac Summit 2.0
Lembing Direktur Bisnis Training Going Extra Mile - Raker 2019

Director of Bank Victoria - Business Februari
Business Wisdom Institute February
2019 Work Meeting

Finance Agustus
Sustainable Finance
Training and Workshop Indonesia

GCG Award V - 19 Agustus
Seminar/Public PT Kencana Ungu Mulia
Training and Workshop on Indonesia Agustus
GCG Award V-19
Debora Direktur Training Going Extra Mile - Raker 2019

Wahjutirto Keuangan Bank Victoria - Business Februari
Tanoyo Director of Wisdom Institute February
Finance 2019 Work Meeting

Finance Agustus
Sustainable Finance
Tamunan Direktur
Kepatuhan dan
Manajemen Risiko Bank Victoria - Business Februari
Director of Wisdom Institute February
2019 Work Meeting
Compliance and
Risk Management

Jenis Pelatihan
Type of
Trainings
April

Finance Agustus
Sustainable Finance
Training Workshop Indonesia

Enterprises Risk Management
Award III 2019 (IERMA-III-2019: Agustus
Seminar/Public PT Kencana Ungu Mulia
Financial Risk Management and August
Fraud to Enhance Value of the Firm in
Disturbing Era)
Training Refreshment Pemahaman

Atas Implementasi PSAK 71 dan 73
yang Akan Diterapkan Pada Tahun
2020 Beserta Dampaknya serta
Diskusi Mengenai Pendalaman dalam Forum Komunikasi Direktur
Penyusunan Terhadap POJK 51 Kepatuhan Perbankan
Oktober
Training/ Public Refreshment Training on Communication Forum October
the Understanding of the of Director of Banking
Implementation of PSAK 71 and Compliance
73 that Will Be Applied in 2020
and Their Impacts, and In-depth
Discussion on the Preparation
towards OJK Regulation No. 51
Pengembangan Kompetensi Komite Competence Development of Risk

Pemantau Risiko Monitoring Committee
Nama Jabatan Jenis Pelatihan Materi Penyelenggara Waktu

Name Position Type of Trainings Material Organizer Time
Zaenal Abidin, PhD Ketua Pengembangan Kompetensi dapat dilihat pada bagian Pengembangan Kompetensi Dewan
Chairman Komisaris.
Oliver Simorangkir Anggota Competence Development can be seen in the Board of Commissioners’ Competence
Member Development.
Retno Dwijanti Anggota Training/ Inhouse Training Going Extra Bank Victoria - Februari
Widaningsih Member Mile - Raker 2019 Business Wisdom February
Training on Going Institute
the Extra Mile - 2019
Work Meeting
Training/ Inhouse Training - Workshop Perbanas Institute Juli

Risk Register – July
Operasional Risk
Management
Training - Workshop
on Risk Register–
Operational Risk
Management


Training/ Inhouse Training Preparing ProAd Agustus
Sustainable Finance August
Training on Preparing
for Sustainable Finance
Yozef Abdulrachman Anggota Training/ Inhouse Training - Workshop Perbanas Institute Juli
Member Risk Register – July
Operasional Risk
Management
Training - Workshop
on Risk Register–
Operational Risk
Management

for Sustainable Finance
Pengembangan Kompetensi Komite Competence Development of the

Nominasi dan Remunerasi Nomination and Remuneration Committee

Gunawan Tenggarahardja Ketua Pengembangan Kompetensi dapat dilihat pada bagian Pengembangan Kompetensi Dewan
Chairman Komisaris.
Oliver Simorangkir Anggota Competence Development can be seen in the Board of Commissioners’ Competence
Member Development section.
Syahda Candra Anggota Training/ Inhouse Training Going Extra Bank Victoria - Februari
Member Mile - Raker 2019 Business Wisdom February
Training on Going Institute
Extra Mile - Raker 2019
Training/ Inhouse Training Collaborative Next Leader Februari

Communication February
Across Generations
Training on
Collaborative
Communication
Across Generations
Training/ Training Refreshment Lembaga Sertifikasi April

Refreshment Cyber Security Profesi Perbankan
dan Fintech Dalam Banking Profession
Bisnis Perbankan - Certification
Manajemen Risiko Institution
Refreshment Training
on Cyber Security and
FinTech in Banking
Business - Risk
Management

Sustainable Finance

Pengembangan Kompetensi Komite Audit Competence Development of Audit

Committee

Gunawan Tenggarahardja Ketua Pengembangan Kompetensi dapat dilihat pada bagian Pengembangan Kompetensi Dewan Komisaris.
Chairman Competence Development can be seen in the Board of Commissioners’ Competence Development.
Retno Dwijanti Widaningsih Anggota

Member Pengembangan Kompetensi dapat dilihat pada bagian Pengembangan Kompetensi Komite Pemantau
Risiko.
Yozef Abdulrachman Anggota Competence Development can be seen in the Competence Development of Risk Monitoring Committee.
Member
Pengembangan Kompetensi Komite Tata Competence Development of Integrated

Kelola Terintegrasi Governance Committee

Zaenal Abidin, PhD Ketua Pengembangan Kompetensi dapat dilihat pada bagian Pengembangan Kompetensi Dewan
Chairman Komisaris.
Competence development can be seen in the Board of Commissioners’ Competence
Gunawan Tenggarahardja Anggota Development.
Member
Oliver Simorangkir Anggota

Member
Djoko Nugroho Anggota - - - -

Member
Aldo Tjahaja Anggota Sertifikasi Certified Investment Tap Kapital Indonesia 31 Agustus 2019
Member Certification Banking 31 August 2019
Hasanuddin Anggota - - - -
Member
Vikas Tolani Anggota Seminar Pancasilanomics Badan Sertifikasi 28 November 2019

Member dalam Pembangunan Manajemen Risiko
Sektor Keuangan
dan Perbankan Risk Management
yang Berkeadilan Certification
dalam Perspektif Institution
Nation-Wide Risk
Management
Pancasilanomics in
the Development of
Equitable Financial
and Banking Sectors
in the Nation-Wide
Risk Management
Perspective
Jejei Kurnia Anggota - - - -

Member
Hertanto Tjahyasurya Anggota Sertifikasi Sertifikat Efektif Pro dan 2019

Member Certification Refreshment Lembaga Sertifikasi
Manajemen Risiko Profesi
Perbankan Level 4. Efektif Pro and
Banking Risk Banking Profession
Management Certification
Refreshment Institution
Certification Level 4.
Retno Dwijanti Anggota Pengembangan Kompetensi dapat dilihat pada bagian Pengembangan Kompetensi Komite
Widaningsih Member Pemantau Risiko.
The competence development can be seen in the Competence Development of Risk Monitoring
Yozef Abdulrachman Committee.

Pengembangan Kompetensi Divisi Competence Development of Corporate

Corporate Secretary Secretary Division
Jenis Pelatihan
Type of
Trainings
Lidwina Dian Kepala Divisi Training/ Inhouse Leadership - in House Training Internal April
Pratiwi Division Head
Conference/ Seminar Kerja Sama Global Bursa Efek Indonesia April

Public Reporting Initiative (GRI) dan Indonesia Stock Exchange
Bursa Efek Indonesia dengan
tema “Business Reporting on the
Sustainable Development Goals”
Seminar on Collaboration between
Global Reporting Initiative (GRI)
and Indonesia Stock Exchange
with the theme “Business
Reporting on the Sustainable
Development Goals”
Conference/ Sosialisasi Integrasi Sistem Bursa Efek Indonesia Mei

Public Pelaporan Elektronik (SPE) - IDXnet Indonesia Stock Exchange May
Dissemination of Electronic
Reporting System (SPE)
Integration – IDXnet
Training/ Public Mind and Heart Management for Indonesia Corporate Secretary Mei
Corporate Secretary Association May
Conference/ Launch Event on Board Diversity in Bursa Efek Indonesia Juni

Public ASEAN Indonesia Stock Exchange June
Conference/ Strategi Implementasi GCG yang Bursa Efek Indonesia Juli

Public efektif dengan tugas Corporate Indonesia Stock Exchange July
Secretary dan Peraturan
Otoritas Jasa Keuangan No. 21/
POJK.04/2014 tentang Penerapan
Pedoman Tata Kelola Perusahaan
Terbuka
Effective GCG Implementation
Strategies with Duties of
Corporate Secretary and
Financial Services Authority
Regulation No. 21/POJK.04/2014
on Implementation of Governance
Guidelines of Public Company
Training/ Public Pemahaman, Perencanaan, Asosiasi Emiten Indonesia Juli

dan Penyusunan Laporan Association of Indonesian July
Keberlanjutan Berdasarkan Issuers
Peraturan Otoritas Jasa Keuangan
51/POJK.03/2017
Understanding, Planning, and
Preparing for Sustainability
Report Based on Financial
Services Authority Regulation No.
51/POJK.03/2017
Training/ Inhouse E-Learning APU-PPT Internal Juli

July
Conference/ How to Understand Arbitration Asosiasi Emiten Indonesia Agustus

Public and Mediation for your Company’s Association of Indonesian August
Dispute Issuers
Conference/ International Conference “The Institute for Development of Agustus

Public Challenges of Disruption Era in Economics and Finance August
Economic Development and Public
Policy”

Jenis Pelatihan
Type of
Trainings
Conference/ Memahami Peraturan Buyback Bursa Efek Indonesia Agustus
Public Saham terkait Peraturan Otoritas Indonesia Stock Exchange August
Jasa Keuangan 30/POJK 04/2017
tentang Pembelian Kembali
Saham yang dilakukan oleh
Perusahaan Terbuka
Understanding Stock Buyback
Regulations related to Financial
Services Authority Regulation
No. 30/POJK 04/2017 on Stock
Buy Backs conducted by Public
Companies
Conference/ Training on Preparing Sustainable ProAd Agustus

Public Finance August
Training/ Public Sosialisasi Surat Keputusan Bursa Efek Indonesia September

Direksi Bursa Efek Indonesia Indonesia Stock Exchange
terkait Partisipan
Dissemination of the Decree of
Board of Directors of Indonesia
Stock Exchange regarding
Participants
Training/ Public Kegiatan Bisnis Kekayaan PT AIPI International Oktober

Intelektual October
Intellectual Property Business
Activities
Training/ Public Online Single Submission Bursa Efek Indonesia dan Oktober
(Perizinan Berusaha Terintegrasi Indonesia Corporate Secretary October
Secara Elektronik) Association
Online Single Submission Indonesia Stock Exchange and
(Licensing for Electronically Indonesian Corporate Secretary
Integrated Business) Association
Training/ Public Workshop Keuangan Perhimpunan Bank-Bank Oktober

Berkelanjutan dan Penyusunan Nasional Swasta dan October
Rencana Aksi Keuangan International Finance
Berkelanjutan (RAKB) untuk Bank Corporation
BUKU 2 dan BUKU 1 Association of Private National
Workshop on Sustainable Banks and International Finance
Finance and the Formulation of a Corporation
Sustainable Finance Action Plan
(RAKB) for Banks of BUKU 2 and
BUKU 1
Conference/ Sosialisasi Refreshment tentang Otoritas Jasa Keuangan dan Oktober

Public Perlindungan Konsumen Sektor Forum Komunikasi Direktur October
Jasa Keuangan Kepatuhan Perbankan
Dissemination of Refreshment on Financial Services Authority and
Customer Protection of Financial Communication Forum of Director
Services Sector of Banking Compliance
Training/ Public OSS Versi Terbaru dalam Ikatan Notaris Indonesia Oktober
Kebijakan Pemberlakuan Aplikasi Indonesian Notary Association October
The Latest OSS Version in the
Policy Enforcing the Application
Conference/ Managing Your Dispute Effectively Lubis, Santosa dan Maramis Oktober
Public Law Firm October
Conference/ Sosialisasi Ketentuan Bank Umum Otoritas Jasa Keuangan Desember

Public Dissemination of Commercial Financial Services Authority December
Bank’s Provisions
Training/ Public The CG Officer Intermediate Indonesia Corporate Secretary Desember

Competency 3 - Corporate Association December
Communication

Jenis Pelatihan
Type of
Trainings
Training/ Public Merger Akuisisi dan Holdingisasi Intrinsics Desember
Merger, Acquisition, and Holding December
Conference/ Ekonomi Indonesia Era Asosiasi Emiten Indonesia Desember

Public Kepemimpinan Baru Association of Indonesian December
Indonesia’s Economy, New Era of Issuers
Leadership
Conference/ Alignment Peraturan Otoritas Otoritas Jasa Keuangan, Bursa Desember

Public Jasa Keuangan 51/POJK.03/2017 Efek Indonesia, Kementerian December
dan Monitoring dan Evaluasi SDGs PPN/Bappenas
Khususnya Non-Pemerintah Financial Services Authority,
Alignment of Financial Services Indonesia Stock Exchange,
Authority Regulation No. 51/ Ministry of PPN/Bappenas
POJK.03/2017 and Monitoring
and Evaluation of SDGs Especially
Non-Government
Caprie Ardira Unit Head Conference/ Seminar terkait Peraturan Otoritas Bursa Efek Indonesia Juni
Public Jasa Keuangan 14/POJK.04/2019 Indonesia Stock Exchange June
tentang Perubahan atas Peraturan
Otoritas Jasa Keuangan No.
32/POJK.04/2015 tentang
Penambahan Modal Perusahaan
Terbuka dengan Memberikan Hak
Memesan Efek Terlebih Dahulu
Seminar related to Financial
14/POJK.04/2019 on Amendments
to Financial Services Authority
on Capital Increase of Public
Company by Providing Preemptive
Rights
Training/ Inhouse Fraud Awareness and Prevention Internal Maret

Program March
Training/ Inhouse Design, Delivery, and Drive (DDD) Internal Juli

July
Training/ Public Pemahaman, Perencanaan, Asosiasi Emiten Indonesia Juli

dan Penyusunan Laporan Association of Indonesian July
Keberlanjutan Berdasarkan Issuers
51/POJK.03/2017
Understanding, Planning, and
Preparing for Sustainability Report
Based on Financial Services
Authority Regulation No. 51/
POJK.03/2017

July
Conference/ Sosialisasi Peraturan No. I-V Indonesia Corporate Secretary Agustus

Public tentang Ketentuan Khusus Association August
Pencatatan Saham dan Efek
Bersifat Ekuitas Selain Saham di
Papan Akselerasi yang Diterbitkan
oleh Perusahaan Tercatat
Dissemination of Regulation
No. I-V on Specific Provisions
for Listing of Shares and Equity
Securities Other than Shares on
the Acceleration Board Issued by
Listed Companies
Training/ Inhouse Training on Preparing Sustainable ProAd Agustus

Finance August

Jenis Pelatihan
Type of
Trainings
Conference/ Keuangan Berkelanjutan “Peluang Lembaga Pengembangan Agustus
Public dan Tantangan” Perbankan Indonesia August
Sustainable Finance “Opportunities Indonesian Banking
and Challenges Development Institute
Training/ Inhouse Training “Induction, Kode Etik, HCM Internal Agustus

Corner, Tata Tertib Berbusana” August
Training on “Induction, Code of
Conduct, HCM Corner, Grooming
Conduct”
Certification Uji Kompetensi Manajemen Risiko Lembaga Sertifikasi Profesi September

Perbankan (Level 1) Perbankan
Banking Risk Management Banking Profession Certification
Competence Exam (Level 1) Institution
Conference/ Persiapan Indonesia dalam Bursa Efek Indonesia dan November

Public Menghadapi Turbulensi Ekonomi Indonesia Corporate Secretary
Global: Menanti Gebrakan Tim Association
Ekonomi Kabinet Indonesia Maju Indonesia Stock Exchange and
Indonesian Preparatory in Facing Indonesian Corporate Secretary
Global Economic Turbulence: Association
Waiting for the Breakthrough of
Indonesian Maju Cabinet Economic
Team.
Ihsan Hayasa Officer Conference/ Big Data Analytics and Artificial IBI (Ikatan Bankir Indonesia) Februari
Public Intelligence for Banks IBI (Indonesian Bankers February
Association)
Conference/ Memperkokoh Sinergi Upaya Pusat Pelaporan dan Analisis Februari

Public Pencegahan dan Pemberantasan Transaksi Keuangan February
Korupsi seabagai Tindak Lanjut Financial Transaction Reporting
Assessment Indonesia and Analysis Center
Strengthening the Synergy
of Corruption Prevention and
Eradication Efforts as a Follow-Up
to Indonesia’s Assessment
Conference/ Technology Behind Financial BIZCOMM April

Public Technology
Conference/ Seminar Digital Disruption and Otoritas Jasa Keuangan Mei

Public Banking for the Future Financial Services Authority May
Conference/ Launching Otoritas Jasa Otoritas Jasa Keuangan Mei

Public Keuangan Box Financial Services Authority May
Launching of Financial Services
Authority Box
Training/ Public Mind and Heart Management for Indonesia Corporate Secretary Mei
Corporate Secretary Association May
Training/ Inhouse Website - in House Internal Juni

June

July
Conference/ Seminar terkait Peraturan Bursa Efek Indonesia dan September

Public Otoritas Jasa Keuangan No. Indonesia Corporate Secretary
74/POJK.04/2017 tentang Association
Penggabungan Usaha atau Indonesia Stock Exchange and
Peleburan Usaha Perusahaan Indonesia Corporate Secretary
Terbuka Association
Seminar related to Financial
74/POJK.04/2017 on Business
Merger or Business Consolidation of
Public Companies

Jenis Pelatihan
Type of
Trainings
Training/ Inhouse Capital Market E-Learning Trimegah, Otoritas Jasa Oktober
Platform Keuangan October
Trimegah, Financial Services
Authority
Conference/ Embracing the Opportunities in Otoritas Jasa Keuangan, Bursa Oktober

Public Dynamic Global Economy Efek Indonesia, PT Kliring October
Penjaminan Efek Indonesia, PT
Kustodian Sentral Efek Indonesia
Financial Services Authority,
Indonesia Stock Exchange, PT
Kliring Penjaminan Efek Indonesia,
PT Kustodian Sentral Efek
Indonesia
Conference/ The Power of Unified IT Realta IT Conference November

Public Management for Excellent User
Experience
Conference/ Indonesian Banking Expo - Perhimpunan Bank-Bank November

Public Consolidate to Elevate Nasional Swasta
Association of Private National
Banks
Conference/ International Seminar on Bank Indonesia Desember

Public Infrastructure Financing 2019 - December
The Pivotal Role of Infrastructure
Financing to Advance Sustainable
Economic Growth
Conference/ Menyongsong Indonesia Bangkit Consumer News and Business Desember

Public 2020 Channel Indonesia December
Welcoming Indonesia Rising 2020
Ilmia Sari Sekretaris Training/ Inhouse E-Learning APU-PPT Internal Juli

Secretary July
Conference/ How to Organize Memorable Indonesia Corporate Secretary Juli

Public Corporate Events Association July
Indonesia Corporate Secretary
Association
Conference/ How to Handle Your Boss Bursa Efek Indonesia dan November
Public Indonesia Corporate Secretary
Association
Indonesia Stock Exchange and
Indonesian Corporate Secretary
Association
Arum Laras Sekretaris Training/ Inhouse E-Learning APU-PPT Internal Juli

Nurani Secretary July
Conference/ Take your Important Role to Sekretaris Pro (Secretary November

Public Contribute in developing, Managing Development Center)
and Winning Companies in 4.0 Era

Pengembangan Kompetensi Divisi SKAI Competence Development of Integrated

Terintegrasi dan Anti Fraud IAU and Anti-Fraud Division
Jenis Pelatihan
Type of
Trainings
Djoko Soendjojo Kepala Divisi Training/ Inhouse Training Going Extra Mile - Raker Bank Victoria - Business Wisdom Februari
Division Head 2019 Institute February
Training on Going the Extra Mile -
2019 Work Meeting
Training/ Inhouse Training Technical PSAK 71 Heliantono dan Rekan Maret

Technical Training on PSAK 71 Heliantono and Partners March
Certification Training dan Ujian Pembekalan Efektif Pro dan LSPP (Lembaga
Sertifikasi CBIA Level Auditor Sertifikasi Profesi Perbankan) Juni
Training and Exam Briefing for Efektif Pro and LSPP (Banking June
CBIA Certification, Auditor Level Profession Certification Institute)
Training/Inhouse Training and Workshop Managing Armand B. Arief April

People and Processes for Boosting
Performance
Training and Workshop on
Managing People and Processes
for Boosting Performance

Finance August
Training on Preparing for
Sustainable Finance
Training/ Inhouse Training Teknik Pembuatan PT Dakara Sarana Excellentia Desember

Rencana Kerja, Pemeriksaan dan December
Laporan Hasil Audit Berbasis
Risiko (RBIA)
Technical Training on Preparing
Work Plans, Audit, and Risk-Based
Audit Reports (RBIA)
Ferry A Deuning Unit Head Training/ Inhouse Training Fraud Awereness and Internal Maret
Prevention March
Training on Fraud Awareness and
Prevention
Certification Training dan Ujian Pembekalan Efektif Pro dan LSPP (Lembaga Agustus
Sertifikasi CBIA Level Auditor Sertifikasi Profesi Perbankan) August
Training and Exam Briefing for Efektif Pro and LSPP (Banking

Risiko (RBIA)

Jenis Pelatihan
Type of
Trainings
Joel Eka M Senior Officer Certification Training dan Ujian Pembekalan Efektif Pro dan LSPP (Lembaga April
Krissata Sertifikasi CBIA Level Auditor Sertifikasi Profesi Perbankan)
Training/ Inhouse Training Website (Front End and Internal Juni

Back End) June
Training on Website (Front End
and Back End)
Training/ Inhouse Training Refreshment Awareness GPI Oktober

and Preventif Fraud October
Refreshment Training on Fraud
Awareness and Prevention

Risiko (RBIA)
Jantamen Officer Training/ Inhouse Training Fraud Awereness and Internal Maret
Simanjuntak Prevention March
Prevention
Certification Training dan Ujian Pembekalan Efektif Pro dan LSPP (Lembaga Agustus
Sertifikasi CBIA Level Auditor Sertifikasi Profesi Perbankan) August
Training/ Inhouse Training Refreshment Awareness GPI Oktober

and Preventif Fraud October

Risiko (RBIA)
Mami Marsirah Officer Training/ Public Training IT For Banking and Infobank Maret
Financial Institution March
Training on IT for Banking and
Financial Institution


Back End) June
and Back End)
Training/ Inhouse Training Refreshment Awareness GPI September

and Preventif Fraud

Jenis Pelatihan
Type of
Trainings
Risiko (RBIA)
Wendy Officer Training/ Inhouse Training Technical PSAK 71 Heliantono dan Rekan Maret
Trisnandar Technical Training on PSAK 71 Heliantono and Partners March
Certification Training Ujian Pembekalan Efektif Pro dan LSPP (Lembaga April dan Juni
Sertifikasi CBIA Level Auditor Sertifikasi Profesi Perbankan) April and June
Training/ Training and Refreshment Cyber Lembaga Sertifikasi Profesi April

Refreshment Security dan Fintech Dalam Bisnis Perbankan
Perbankan - Manajemen Risiko Banking Profession Certification
Training and Refreshment on Institute
Cyber Security and FinTech
in Banking Business - Risk
Management
Training/ Inhouse Training Admin Kredit Back Office Lembaga Sertifikasi Profesi April
Training for Back Office Credit Perbankan
Admin Banking Profession Certification
Institute
Training /Inhouse Training Design, Delivery, and Drive Blasius Haryanto Juli
[ DDD ] July
Training on Design, Delivery, and
Drive (DDD)
Marlina Officer Training/ Inhouse Training Fraud Awereness and Internal Maret
Prevention March
Prevention
Institute
Ricky Officer Certification Training dan Ujian Pembekalan Efektif Pro dan LSPP (Lembaga April
Windhyanto Sertifikasi CBIA Level Auditor Sertifikasi Profesi Perbankan)
Training/ Inhouse Training - Workshop Risk Register – Perbanas Institute Juli

Operasional Risk Management July
Training - Workshop on Risk
Register– Operational Risk
Management
Training/ Public Training Risk Based Audit (RBA) RMG Agustus

Implementation August
Training on Risk Based Audit (RBA)
Implementation

and Preventif Fraud

Jenis Pelatihan
Type of
Trainings
Risiko (RBIA)
Ricky Rahardjo Officer Training/ Inhouse Training Technical PSAK 71 Heliantono dan Rekan Maret
Training/ Inhouse Training Training Admin Kredit LPPI (Lembaga Pengembangan April
Back Office Perbankan Indonesia)
Training for Back Office Credit LPPI (Indonesian Banking
Admin Development Institute)
Certification Training dan Ujian Pembekalan Efektif Pro dan LSPP (Lembaga Juni
Sertifikasi CBIA Level Auditor Sertifikasi Profesi Perbankan) June

and Preventif Fraud
Training/ Public Training Risk Based Audit (RBA) RMG Agustus

Implementation August
Training on Risk Based Audit (RBA)
Implementation
Training/ Inhouse Teknik Pembuatan Rencana Kerja, PT Dakara Sarana Excellentia Desember
Pemeriksaan dan Laporan Hasil December
Audit Berbasis Risiko (RBIA)

Pengembangan Kompetensi Risk Competence Development of Risk

Management/Integrated Division Management/Integrated Division
Jenis Pelatihan
Type of
Trainings
Hermawan Kepala Divisi Training/ Inhouse Training Going Extra Mile - Raker Bank Victoria - Business Wisdom Februari
2019 Work Meeting

Training/Inhouse Training and Workshop Managing Armand B. Arief April

People and Processes for Boosting
Performance
Training and Workshop on
Managing People and Processes
for Boosting Performance

Finance August
Sustainable Finance
Training/ Public Training PSAK 71 Impairment BARA Oktober

Deep Dive in Risk Management October
Perspective
Training on PSAK 71, Impairment
Deep Dive in Risk Management
Perspective
Training/ Public Training dan Refreshment Forum Komunikasi Direktur Oktober

Pemahaman Atas Implementasi Kepatuhan Perbankan October
PSAK 71 dan 73 Yang Akan Communication Forum of
Diterapkan Pada Tahun 2020 Director of Banking Compliance
Beserta Dampaknya serta Diskusi
Mengenai Pendalaman dalam
Penyusunan Terhadap POJK 51
Training and Refreshment
on the Understanding of the
Implementation of PSAK 71 and
73 that Will Be Applied in 2020
and Their Impacts, and In-depth
Discussion on the Preparation
towards OJK Regulation No. 51
Training/ Public Training Interest Rate Risk In The RMG November

Banking Book (IRRBB)
Training on Interest Rate Risk in
The Banking Book (IRRBB)
Training/Public Training Credit Risk Management RMG Desember

Training on Credit Risk December
Management

Jenis Pelatihan
Type of
Trainings
Ananto Unit Head Training/ Inhouse Training - Workshop Risk Register Perbanas Institute Juli
Wicaksono – Operasional Risk Management July
Management
Training/ Inhouse Training Induction, Kode Etik, HCM Internal Agustus

Corner, Tata Tertib Berbusana August
Training on Induction, Code of
Conduct
Training/ Public Training PSAK 71 Impairment BARA Oktober

Deep Dive in Risk Management October
Perspective
Training on PSAK 71, Impairment
Deep Dive in Risk Management
Perspective

Risiko (RBIA)
Yusuf Doi Senior Officer Training /Inhouse Training Design, Delivery, and Drive Blasius Haryanto Juli
Pratama [DDD] July
Drive (DDD)
Training/ Public Training The Role of Risk Intipesan Oktober

Management to Sustain Business October
Training on The Role of Risk
Management to Sustain Business

Risiko (RBIA)
Lia Megarita Senior Officer Training/ Inhouse Training Induction, Kode Etik, HCM Internal Agustus
Conduct

and Preventif Fraud

Jenis Pelatihan
Type of
Trainings
Training/ Inhouse Training Penerapan Program Anti Internal November
Pencucian Uang dan Pencegahan
Pendanaan Terorisme [APU dan
PPT]
Training of Anti-Money Laundering
and Counter Financing Terrorism
(APU and PPT) Implementation
Program

Risiko (RBIA)
Meru Tri P Officer Training/ Inhouse Training Penerapan Program Anti Internal Maret
Pencucian Uang dan Pencegahan March
Pendanaan Terorisme (APU dan
PPT)
Training of Anti-Money Laundering
and Counter Financing Terrorism
(APU and PPT) Implementation
Program
Institute

Back End) June
and Back End)
Training/ Inhouse Training - Workshop Risk Register – Perbanas Juli

Management
Training/ Public Training The Role of Risk Intipesan Oktober

Management to Sustain Business October
Training on The Role of Risk
Management to Sustain Business

Risiko (RBIA)
Azki Zainal Milach Officer Seminar/ Public Training IRBB BARA One Day BARA Januari
Seminar January
Training on IRBB BARA One Day
Seminar


Management

Jenis Pelatihan
Type of
Trainings
Fitri Ramadhanis Officer Training/ Inhouse Training Technical PSAK 71 Heliantono dan Rekan Maret
Training/ Inhouse Training Induction, Kode Etik, HCM Internal Agustus

Conduct
Training/ Public Training Interest Rate Risk In The RMG November

Banking Book (IRRBB)
Training on Interest Rate Risk in
The Banking Book (IRRBB)
Training/ Public Training Implementasi Peraturan RMG Desember

Peraturan OJK Terkait Likuiditas December
dan Kepatuhan
Training on the Implementation
of OJK Regulations Related to
Liquidity and Compliance

Risiko (RBIA)
Pengembangan Kompetensi Compliance, Competence Development of Compliance,

KYC/Integrated and System KYC/Integrated, and System
Procedure Division Procedure Division
Jenis Pelatihan
Type of
Trainings
Ruly Dwi Rahayu Kepala Divisi Training/ Inhouse Training Going Extra Mile - Raker Bank Victoria - Business Wisdom Februari
2019 Work Meeting
Seminar/ Public Training and Workshop ASEAN CG Indonesian Institute for Maret
Scorecard Corporate Director March
Training and Workshop on ASEAN
CG Scorecard

Back End) June
and Back End)
Training/ Public Training Keuangan Berkelanjutan Lembaga Pengembangan Juli

Peluang dan Tantangan Perbankan Indonesia July
Training on Opportunities and Indonesian Banking
Challenges of Sustainable Finance Development Institute

Finance August
Sustainable Finance

Jenis Pelatihan
Type of
Trainings
Certification Training dan Ujian Sertifikasi FKDKP (Forum Komunikasi November
Kepatuhan Level 1 Direktur Kepatuhan Perbankan)
Training and Exam on Compliance dan Lembaga Sertifikasi Profesi
Certification Level 1 Perbankan
FKDKP (Communication
Forum of Director of Banking
Compliance) and Banking
Profession Certification Institute

Risiko (RBIA)
Chairul Bahri Unit Head Training/ Public Training Kepatuhan Bisnis Bank Equivalent Februari
Training on Bank’s Business February
Compliance
Training/ Public Training Asistensi Implementasi Pusat Pelaporan dan Analisis Oktober
Aplikasi goAML Keuangan October
Training on Assistance for Financial Reporting and Analysis
Implementation of goAML Center
Application
Budi Setiawan Unit Head Training/ Inhouse Training - Workshop Risk Register – Perbanas Institute Juli
Management

Risiko (RBIA)
Safitri Wida Unit Head Training/ Public Training Peran Bank Dalam Forum Komunikasi Direktur Februari
Kustanti Menjaga Stabilitas Melalui Kepatuhan Perbankan February
Pencegahan TPPU - TPPT dan Communication Forum of
Fraud di Sektor Perbankan Director of Banking Compliance
Training on the Role of Banks
in Maintaining Stability through
Prevention of TPPU - TPPT and
Fraud in the Banking Sector
Training/ Inhouse Training Design, Delivery, and Drive Blasius Haryanto Juli
[DDD] July
Drive (DDD)

Risiko (RBIA)

Jenis Pelatihan
Type of
Trainings
Yuniar Adelina Senior Officer Training/ Public Training Teknik Penyusunan dan One Point Juli
Pembuatan SOP July
Technical Training of Preparing
and Creating SOP
Certification FKDKP (Forum Komunikasi September

Direktur Kepatuhan Perbankan)
Training dan Ujian Sertifikasi dan Lembaga Sertifikasi Profesi
Kepatuhan Level 1 Perbankan
Training and Exam on Compliance FKDKP (Communication
Certification Level 1 Forum of Director of Banking
Compliance) and Banking
Profession Certification Institute
Akhmad Zaldy Senior Officer Training/ Inhouse Training Website (Front End and Internal Juni
Zamrony Back End) June
and Back End)

Management

Risiko (RBIA)
Biaya Pengembangan Kompetensi Competence Development Cost

Pengeluaran investasi untuk pengembangan kompetensi bagi Investment expenditure for competence development for
manajemen perusahaan tersebut ditunjukkan sebagai berikut. company management is shown as follows.
Pertumbuhan
Uraian 2019 2018 Growth Description
Rp %
Dewan Komisaris 51,855,207 14,934,276 36,920,931 247.22 Board of Commissioners
Direksi 75,633,232 64,885,411 10,747,821 16.56 Board of Directors
Komite Pemantau Risiko 47,687,416 18,280,548 29,406,869 160.86 Risk Monitoring Committee
Komite Nominasi dan Remunerasi 27,578,328 16,146,999 11,431,329 70.80 Nomination and Remuneration
Committee
Komite Audit 32,306,268 10,700,548 21,605,721 201.91 Audit Committee
Komite Tata Kelola Terintegrasi 35,529,397 15,829,122 19,700,274 124.46 Integrated Governance
Committee
Divisi Corporate Secretary 77,022,318 13,085,986 63,936,333 488.59 Corporate Secretary Division
SKAI Terintegrasi dan Anti Fraud 118,232,411 77,294,248 40,938,163 52.96 SKAI/Integrated and Anti Fraud
Risk Management/Integrated 100,803,656 87,327,207 13,476,448 15.43 Risk Management/ Integrated

Division Division
Compliance, KYC/Integrated and 44,826,643 63,957,527 (19,130,883) (29.91) Compliance, KYC/ Integrated and
System Procedure Division System Procedure Division
Total 611,474,876 382,441,871 229,033,005 59.89 Total

Fokus Bank ditujukan untuk dapat memiliki

struktur bisnis dan permodalan yang
semakin kuat, tahan terhadap tekanan
ekonomi dan lingkungan bisnis yang
semakin kompetitif, serta terus tumbuh
secara berkesinambungan.
The bank’s focus is purposed a stronger business structure
and capital, to endure the economic pressures
and increasingly competitive business environment,
and to continue to grow.

4
Analisis dan
Pembahasan
Manajemen
Management Discourse
and Analysis
Untuk memperkuat permodalan dan pertumbuhan usaha, Bank telah

melaksanakan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
(PMTHMETD) serta Penerbitan Umum Berkelanjutan atas Obligasi Berkelanjutan
II Bank Victoria Tahap I 2019 dan Obligasi Subordinasi Berkelanjutan II Bank
Victoria Tahap I dan II Tahun 2019. Selain itu, Bank juga telah menawarkan
negotiable certificate deposits (NCD) di tahun tersebut.
To strengthen its capital and business growth, the Bank has conducted Capital Addition
without Preemptive Rights (PMTHMETD) and Sustainable Public Offering of Capital
Continuous Bond II Phase I of Bank Victoria 2019 and Continuous Subordination Bonds II
of Phases I and II of Bank Victoria 2019. In addition, the Bank has also offered negotiable
certificate deposits (NCD) in that year.


Tinjauan Ekonomi
// Economic Overview
Perekonomian Global Global Economy

Pada triwulan I 2019, pemulihan ekonomi global lebih rendah dari In the first quarter of 2019, the global economic recovery was
perkiraan dengan ketidakpastian pasar keuangan yang meningkat lower than expected due to the financial market uncertainty
akibat dipengaruhi eskalasi perang dagang antara Amerika increased as a result of the escalation of trade war between the
Serikat (AS) dan Tiongkok. Kondisi tersebut memicu peralihan United States (US) and China. This condition triggered a shift
modal dari negara berkembang ke negara maju, meskipun respon in capital from developing countries to developed countries,
kebijakan moneter global mulai melonggar. Perkembangan although the response of global monetary policy began to
ekonomi global yang kurang baik tersebut memberikan tantangan loosen. The unfavorable global economy development presents
dalam upaya menjaga stabilitas eksternal, baik untuk mendorong challenges in the effort of maintaining external stability, both to
ekspor maupun menarik modal asing. boost exports and to attract foreign capital.
Ketegangan hubungan dagang antara AS dan Tiongkok serta risiko Tension of trade relationship between the US and China and
geopolitik yang berlanjut hingga triwulan II dan III 2019, semakin geopolitical risks, which continued into the second and third
menekan volume perdagangan dan pertumbuhan ekonomi dunia. quarters of 2019, further depressed the trade volume and world
Hal ini dibuktikan dengan melambatnya perekonomian dunia, economic growth. This is evidenced by the slowdown in the
turun dari 3,6% pada tahun 2018 menjadi hanya 2,9% pada tahun world economy, which fell from 3.6% in 2018 to only 2.9% in

2019. Pelemahan ekonomi global terus menekan harga komoditas, 2019. The weakening of global economy continued to depress
termasuk harga minyak. Ketidakpastian pasar keuangan global commodity prices, including oil prices. This global financial
juga mendorong pergeseran penempatan dana global ke aset market uncertainty also led to a shift in the global fund placement
yang dianggap aman, seperti obligasi pemerintah AS dan Jepang to assets deemed safe, such as US and Japan government bonds
serta komoditas emas. Untuk merespon dampak perlambatan and gold commodities. To respond to the impact of the economic
ekonomi tersebut, berbagai negara melakukan stimulus fiskal dan slowdown, various countries undertook fiscal stimulus and eased
melonggarkan kebijakan moneter, seperti penurunan suku bunga their monetary policies, such as lowering interest rates and
dan ekspansi neraca bank sentral di berbagai negara, meskipun expanding central bank’s balance sheets in various countries,
belum sepenuhnya mampu mencegah perlambatan ekonomi although these were not yet fully able to prevent the world
dunia. economic slowdown.
Ketidakpastian pasar keuangan global mulai menurun pada The uncertainty of global financial markets began to decline
pertengahan triwulan III 2019 sehingga aliran masuk modal asing in the middle of the third quarter of 2019, which resulted in the
ke negara berkembang dapat berlanjut. Meskipun demikian, foreign capital flow into developing countries could continue.
risiko ketegangan hubungan dagang dan kondisi geopolitik terus Nevertheless, the risk of tension in trade relations and geopolitical
dicermati karena dapat memengaruhi pertumbuhan ekonomi conditions continues to be closely watched because it can affect
domestik dan arus masuk modal asing. the domestic economic growth and foreign capital inflows.
Optimisme terhadap pemulihan ekonomi global kemudian Optimism for global economic recovery was then getting stronger
menguat pada triwulan IV-2019 yang dipicu oleh berbagai respons in the fourth quarter of 2019, which was triggered by various policy
kebijakan yang dilakukan banyak negara untuk memperkuat responses by many countries to strengthen their economies.
perekonomiannya. Kesepakatan tahap I perundingan The phase I agreement on US-China trade negotiations also
perdagangan AS-Tiongkok juga memperkuat pemulihan ekonomi strengthened the recovery of this global economy. These two
global ini. Kedua faktor ini semakin menurunkan ketidakpastian factors further reduce the global uncertainty, increase the
global, meningkatkan keyakinan pelaku ekonomi terhadap confidence of economic actors in the prospects for global
prospek pemulihan ekonomi global, serta mendorong kenaikan economic recovery, and encourage the increase in capital flows to
aliran modal ke negara berkembang sampai dengan pertengahan developing countries until mid-January 2020. This is evidenced
Januari 2020. Hal ini dibuktikan dari beberapa indikator dini by a number of early indicators of the global economy, such as the
ekonomi global, seperti keyakinan pelaku ekonomi, Purchasing confidence of economic actors, the Purchasing Manager Index
Manager Index (PMI) dan pesanan ekspor yang menunjukan (PMI) and export orders which showed improvement in December
perbaikan pada Desember 2019 – Januari 2020. 2019 - January 2020.
Sumber: Source:
Tinjauan Kebijakan Moneter Bank Indonesia Triwulan I - IV 2019. Bank Indonesia Monetary Policy Overview, Quarter I-IV 2019.
Perekonomian Nasional National Economy

Di tengah besarnya tantangan ekonomi global, ekonomi Indonesia In the midst of the great challenges of global economy, Indonesian
mampu terjaga dengan baik dan tumbuh sebesar 5,02%. economy was well maintained and grew by 5.02%. Although the
Walaupun tingkat pertumbuhan tersebut lebih rendah dibanding growth rate was lower than the achievement in 2018 of 5.17%,
capaian tahun 2018 sebesar 5,17%, namun inflasi tercatat sebesar inflation was recorded at 2.72% (which was the lowest since 1999)
2,72% (merupakan nilai terendah sejak tahun 1999) dan Rupiah and Rupiah managed to strengthen by 3.64%.
menguat sebesar 3,64%.

Pertumbuhan Ekonomi Indonesia

Indonesia Economic Growth
5.17
5.07
5.03 5.02
4.79
2015 2016 2017 2018 2019
Pertumbuhan ekonomi Indonesia tahun 2019 tercermin dari Indonesia’s economic growth in 2019 is reflected by the increase in
meningkatnya Produk Domestik Bruto (PDB) Indonesia, baik Indonesia's Gross Domestic Product (GDP), both from expenditure
dari sisi pengeluaran maupun lapangan usaha. Berdasarkan and business sector side. On expenditure side, consumption of
pengeluaran, konsumsi lembaga non-profit yang melayani rumah non-profit institutions serving households (PKLNPRT) became
tangga (PKLNPRT) menjadi komponen yang mencatatkan laju the component that recorded the highest growth rate at 10.62%.
pertumbuhan tertinggi sebesar 10,62%. Sedangkan menurut Meanwhile, on business sector side, other services business
lapangan usaha, sektor jasa lainnya merupakan komponen sector was a component with the highest growth rate at 10.55%,
dengan laju pertumbuhan tertinggi yaitu sebesar 10,55%, diikuti followed by corporate services sector at 10.25%, and information
sektor jasa perusahaan sebesar 10,25%, serta sektor informasi and communication sector at 9.41%. However, the financial
dan komunikasi sebesar 9,41%. Namun, pertumbuhan sektor jasa services and insurance sectors only grew by 6.60%.
keuangan dan asuransi yang hanya tumbuh sebesar 6,60%.
Sumber: Source:
Pertumbuhan Ekonomi Indonesia Triwulan IV 2019, BPS. Indonesia Economic Growth Quarter IV 2019, Statistics Indonesia.
Tinjauan Industri Perbankan Overview of Banking Industry

Pada tahun 2019, pertumbuhan sektor perbankan Indonesia In 2019, the growth of Indonesian banking sector was affected
mendapat pengaruh dari fluktuasi pada suku bunga BI 7-day by the fluctuations of BI 7-day Reverse Repo Rate (BI7DRR),
Reverse Repo Rate (BI7DRR), nilai tukar Rupiah, Neraca Pembayaran Rupiah exchange rate, Indonesia's Balance of Payments (NPI),
Indonesia (NPI), dan inflasi. Awalnya, BI7DRR yang dipertahankan and inflation. Initially, BI7DRR, which was maintained by Bank
oleh Bank Indonesia (BI) sebesar 6,00%, suku bunga deposit facility Indonesia (BI), was at 6.00%, deposit facility interest rate was
sebesar 5,25%, dan suku bunga lending facility sebesar 6,75% pada at 5.25%, and lending facility interest rate was at 6.75% on 15-16
15-16 Mei 2019. Namun, pada tanggal 21-22 Agustus 2019, BI7DRR May 2019. However, on 21-22 August 2019, BI7DRR was reduced
diturunkan menjadi 5,50%, suku bunga deposit facility diturunkan to 5.50%, deposit facility interest rate was reduced to 4.75%, and
menjadi 4,75%, dan suku bunga lending facility diturunkan lending facility interest rate was reduced to 6.25%. This policy
menjadi 6,25%. Kebijakan tersebut mendorong optimisme encouraged optimism towards the economic recovery, which was
terhadap pemulihan ekonomi yang sempat menguat pada akhir strengthened at the end of 2019, and supported the performance
2019 dan menopang kinerja Neraca Pembayaran Indonesia (NPI) of Indonesia's Balance of Payments (NPI) to remain well and be
tetap baik dan mampu menopang ketahanan sektor eksternal. able to sustain the resilience of external sector. Overall, the 2019
Secara keseluruhan, NPI tahun 2019 tercatat surplus sebesar Balance of Payments recorded a surplus of USD4.7 billion, after
USD4,7 miliar, setelah pada 2018 mengalami defisit USD7,1 miliar. experiencing a deficit of USD7.1 billion in 2018. NPI improvement
Perbaikan NPI ditopang oleh surplus transaksi modal dan finansial was bolstered by an increased capital and financial transaction
yang meningkat sejalan dengan kinerja ekonomi Indonesia yang surplus in line with the maintained performance of Indonesian
terjaga, daya tarik pasar keuangan yang besar, dan ketidakpastian economy, the attractiveness of large financial markets, and that
pasar keuangan global yang mereda. the uncertainty of global financial markets was improving.
Nilai tukar Rupiah terus berfluktuasi mulai dari triwulan I hingga Rupiah exchange rate continued to fluctuate from the first quarter
triwulan IV tahun 2019. Setelah sebelumnya menguat pada April to fourth quarter of 2019. After previously improved in April 2019,
2019, nilai tukar Rupiah pada Mei 2019 tercatat melemah 1,45% Rupiah exchange rate in May 2019 was recorded to weaken by 1.45%
secara point to point (ptp) dibandingkan dengan level akhir April in point to point (ptp) compared to the level at the end of April 2019

2019 dan 1,36% secara rata-rata dibandingkan rata-rata April and by 1.36% on average compared to the April 2019 average. Rupiah
2019. Nilai tukar Rupiah melemah karena dampak ketidakpastian exchange rate weakened due to the impact of global uncertainty
global serta pola musiman peningkatan permintaan valas. Rupiah and seasonal patterns of increased foreign exchange demand.
kemudian menguat 2,55% secara rata-rata atau 1,67% (ptp) pada Rupiah was then improved by 2.55% on average or 1.67% (ptp) in the
triwulan IV 2019. Dengan demikian, secara keseluruhan tahun 2019, fourth quarter of 2019. Thus, overall in 2019, Rupiah value improved
nilai Rupiah menguat 3,58% (ptp) atau 0,76% secara rata-rata. by 3.58% (ptp) or 0.76% on average.
Inflasi pada tahun 2019 juga dapat dikatakan stabil, rendah, dan Inflation in 2019 was also considered to be stable, low, and
terkendali. Pada April 2019, inflasi terkendali sehingga menopang under control. In April 2019, inflation was controlled, therefore,
stabilitas perekonomian secara keseluruhan. Inflasi berdasarkan sustaining the overall economic stability. Inflation based on the
Indeks Harga Konsumen (IHK) tetap rendah, yang ditunjukkan Consumer Price Index (CPI) remained low, which was shown in
pada April 2019 tercatat sebesar 0,44% (mtm) atau 2,83% April 2019 to be recorded at 0.44% (mtm) or 2.83% (yoy), although
(yoy), meskipun meningkat dibandingkan dengan inflasi bulan it increased compared to the inflation of the previous month
sebelumnya sebesar 0,11% (mtm) atau 2,48% (yoy). Pada triwulan at 0.11% (mtm) or 2.48% (yoy). In the fourth quarter of 2019, CPI
IV tahun 2019, inflasi IHK juga tercatat tetap rendah, yakni 0,51% inflation was also recorded to remain low at 0.51% (qtq), although
(qtq), meskipun meningkat dari 0,15% (qtq) pada triwulan III-2019. it increased from 0.15% (qtq) in quarter III-2019. Core inflation
Inflasi inti pada triwulan IV-2019 tetap terkendali pada level 0,39% in quarter IV-2019 remained under control at the level of 0.39%
(qtq) dan 3,02% (yoy). Dengan perkembangan tersebut, inflasi (qtq) and 3.02% (yoy). With these developments, 2019 CPI inflation
IHK 2019 tetap rendah yakni 2,72% (yoy), menurun dibandingkan remained low at 2.72% (yoy), a decrease compared to the 2018
dengan inflasi 2018 sebesar 3,13% dan berada dalam kisaran inflation of 3.13% and within the target range of 3.5% ± 1%.
sasaran sebesar 3,5%±1%.
Sumber: Source:
Tinjauan Kebijakan Moneter Bank Indonesia Triwulan I – IV 2019. Bank Indonesia Monetary Policy Overview, Quarter I-IV 2019.
Sebagai dampak dari terkendalinya sektor keuangan dan As a result of the controlled financial and banking sector, in
perbankan, maka pada tahun 2019, kinerja industri perbankan dan 2019, the performance of banking industry and BUKU II banks
bank BUKU II meningkat dibandingkan tahun 2018. Peningkatan improved compared to that of 2018. This increase is reflected in
tersebut tercermin dari meningkatnya kinerja aset, dana pihak the improved performance of assets, third-party funds (DPK), and
ketiga (DPK), dan kredit yang diberikan. loans.
Kinerja Industri Perbankan dengan Bank BUKU II

Banking Industry Performance of BUKU II Banks
Industri Perbankan Bank BUKU II

Uraian Banking Industry BUKU II Banks Description
2019 2018 2019 2018
Kinerja Keuangan Financial Performance
(dalam miliar Rupiah) (in billion Rupiah)
Aset 8,212,586 7,751,621 905,190 823,832 Assets
DPK 5,998,648 5,630,448 621,089 549,986 Third-Party Deposits
Kredit 5,683,757 5,358,012 569,146 525,714 Loans
Rasio Keuangan Financial Ratios

(dalam%) (in %)
Net Interest Margin (NIM) 4.91 5.14 4.81 5.08 Net Interest Margin (NIM)
Return on Assets (ROA) 2.47 2.55 1.42 1.54 Return on Assets (ROA)
Loan to Deposits Ratio (LDR) 94.43 94.78 90.38 94.03 Loan to Deposits Ratio (LDR)
Capital Adequacy Ratio (CAR) 23.40 22.97 25.44 26.28 Capital Adequacy Ratio (CAR)
Beban Operasional Pendapatan Operating Expense to Operating

79.39 77.86 88.32 86.21
Operasional (BOPO) Income (BOPO)
Non Performing Loan (NPL) Bruto 2.06 2.49 4.15 3.84 Gross Non-Performing Loan (NPL)

Aset Assets
Aset industri perbankan pada tahun 2019 tercatat sebesar Banking industry asset in 2019 was recorded at Rp8,212.59 trillion,
Rp8.212,59 triliun, naik sebesar Rp460,96 triliun atau 5,95% an increase of Rp460.96 trillion or 5.95% from Rp7,751.62 trillion
dari Rp7.751,62 triliun pada tahun sebelumnya. Sejalan dengan in the previous year. In line with the increase in banking industry
kenaikan aset industri perbankan, aset bank BUKU II pada tahun asset, BUKU II's bank asset in 2019 also increased by Rp81.36
2019 juga mengalami kenaikan sebesar Rp81,36 triliun atau 9,88% trillion or 9.88% to Rp905.19 trillion from Rp823.83 trillion in 2018.
menjadi Rp905,19 triliun dari Rp823,83 triliun pada tahun 2018.
Perkembangan Aset Industri Perbankan

Banking Industry Asset Growth
(dalam miliar Rupiah / in billion Rupiah)
Uraian 2019 2018 Description

Bank Persero 3,574,130 3,342,996 State-Owned Banks
Bank Umum Swasta Nasional Devisa 3,393,130 3,126,359 Forex National Private Commercial Banks
Bank Umum Swasta Nasional Non Devisa 120,319 101,036 Non-Forex National Private Commercial Banks
Bank Pembangunan Daerah 717,518 655,963 Regional Development Banks
Bank Campuran 306,364 390,331 Joint Venture Banks
Bank Asing 451,514 451,661 Foreign Banks
Berdasarkan kelompoknya, kepemilikan aset terbesar pada Based on the group, the largest asset ownership in 2019 was
tahun 2019 berasal dari kelompok Bank Persero yang mencapai from State-Owned Banks which reached Rp3,574.13 trillion and
Rp3.574,13 triliun dan Bank Umum Swasta Nasional Devisa the Forex National Private Commercial Banks which reached
yang mencapai Rp3.393,13 triliun. Sedangkan, kepemilikan aset Rp3,393.13 trillion. Meanwhile, the lowest asset ownership in
terendah pada tahun 2019 berasal dari Bank Umum Swasta 2019 was from Non-Forex National Private Commercial Banks of
Nasional Non Devisa sebesar Rp120,32 triliun. Namun, BUSN Non Rp120.32 trillion. However, Non-Forex BUSN was able to record a
Devisa mampu mencatatkan pertumbuhan sebesar 19,08% atau growth of 19.08% or Rp19.28 billion.
Rp19,28 miliar.
Dana Pihak Ketiga Third Party Deposits

Sumber dana perbankan didominasi oleh dana pihak ketiga (DPK), Sources of banking funds are dominated by third-party deposits
baik bank umum maupun bank BUKU II. Selain DPK, sumber dana (DPK), for commercial banks and BUKU II banks. In addition to
bank juga dapat berasal dari kewajiban kepada Bank Indonesia, DPK, the source of bank funds can also come from obligations to
kewajiban kepada bank lain, surat berharga yang diterbitkan, Bank Indonesia, obligations to other banks, marketable securities
pinjaman yang diterima, kewajiban spot dan derivatif, kewajiban issued, loans, spot and derivative obligations, other obligations,
lainnya, serta setoran jaminan. and security deposits.
Perkembangan Dana Pihak Ketiga Industri Perbankan dengan Bank BUKU II

Growth of Third-Party Deposits for Commercial Banks and BUKU II Banks

2019 2018 2019 2018
Rupiah 5,164,773 4,825,128 551,830 483,431 Rupiah
Giro 1,100,040 997,007 109,549 87,037 Demand Deposits
Tabungan 1,813,949 1,690,086 135,093 119,402 Savings Accounts
Simpanan Berjangka 2,250,784 2,138,035 307,189 276,992 Time Deposits
Valas 833,875 805,320 69,258 66,555 Forex
Giro 365,808 318,027 39,817 34,281 Demand Deposits
Tabungan 131,236 135,173 5,106 4,478 Savings Accounts
Simpanan Berjangka 336,831 352,120 24,336 27,797 Time Deposits
Total Dana Pihak Ketiga 5,998,648 5,630,448 621,089 549,986 Total Third-Party Deposits

Pada tahun 2019, DPK industri perbankan mengalami kenaikan In 2019, the third-party deposits of banking industry increased
sebesar 6,54% dibandingkan tahun sebelumnya sebesar by 6.54% compared to that of previous year, from Rp5,630.45
Rp5.630,45 triliun menjadi Rp5.998,65 triliun. Kenaikan tersebut trillion to Rp5,998.65 trillion. The increase was mainly due to the
terutama disebabkan oleh naiknya giro hingga 11,47%. Sementara increase in demand deposits to 11.47%. Meanwhile, DPK of BUKU
itu, DPK bank BUKU II mampu mencatatkan kenaikan sebesar II banks was able to record an increase of 12.93%, from Rp549.99
12,93% dari Rp549,99 triliun menjadi Rp621,09 triliun, lebih besar trillion to Rp621.09 trillion, greater than the increase in DPK in the
dari kenaikan DPK industri perbankan. Kenaikan tersebut terutama banking industry. The increase was mainly caused by the increase
disebabkan oleh naiknya giro sebesar 23,12%. in demand deposits by 23.12%.
Kredit yang Diberikan Loans

Penyaluran dana terdiri dari kredit yang diberikan, penempatan Distribution of funds consists of loans, placements with other
pada bank lain, penempatan pada Bank Indonesia, surat berharga, banks, placements with Bank Indonesia, marketable securities,
penyertaan, cadangan kerugian penurunan nilai aset keuangan investments, allowance for impairment losses (CKPN) of financial
(CKPN), tagihan spot dan derivatif, serta tagihan lainnya. assets, spot and derivative receivables, and other receivables.
Perkembangan Kredit yang Diberikan Industri Perbankan dengan Bank BUKU II

Growth of Loans for Commercial Banks and BUKU II Banks

2019 2018 2019 2018
Kepada Pihak Ketiga 5,616,992 5,294,882 561,326 517,132 To Third Parties
Kepada Bank Lain 66,766 63,130 7,820 8,582 To Other Banks
Total Kredit yang Diberikan 5,683,757 5,358,012 569,146 525,714 Total Loans
Pada tahun 2019, penyaluran kredit pada industri perbankan In 2019, banking industry loans grew by 6.08%, from Rp5,358.01
tumbuh sebesar 6,08% dari Rp5.358,01 triliun pada tahun 2018 trillion in 2018 to Rp5,683.76 trillion. The increase was mainly due
menjadi Rp5.683,76 triliun. Kenaikan tersebut terutama disebabkan to the increase in third-party loans of Rp322.11 trillion or 6.08%.
oleh naiknya penyaluran kredit pihak ketiga sebesar Rp322,11 triliun Meanwhile, loans of BUKU II banks also increased by 8.26%, from
atau 6,08%. Sementara itu, penyaluran kredit pada bank BUKU Rp525.71 trillion to Rp569.15 trillion, which was mainly due to the
II juga mengalami kenaikan sebesar 8,26% dari Rp525,71 triliun increase in third-party loans by 8.55%.
menjadi Rp569,15 triliun, yang terutama disebabkan oleh naiknya
penyaluran kredit pihak ketiga sebesar 8,55%.
Industri perbankan Indonesia diproyeksikan akan mencatatkan Indonesia's banking industry is projected to record steadily
kinerja yang terus membaik. Kualitas aset perbankan masih akan improving performance. The quality of banking assets will still
tetap terjaga meski di tengah tingginya fluktuasi nilai tukar dan be maintained despite the high exchange rate and interest rate
suku bunga yang sedang mengalami tren kenaikan. Di samping fluctuations that are experiencing an upward trend. Furthermore,
itu, sejalan dengan terus membaiknya pertumbuhan ekonomi in line with the continued improvement in national economic
nasional, kredit perbankan juga diproyeksikan mengalami growth, banking loans are also projected to experience higher
pertumbuhan yang lebih tinggi. growth.
Sumber: Source:
Statistik Perbankan Indonesia Desember 2019 Volume 18 No. 1. Indonesian Banking Statistics December 2019 Volume 18 No. 1.

Tinjauan Operasional
// Operational Overview
Strategi Pengembangan Bisnis Business Development Strategy

Sejalan dengan penetapan tema Rencana Bisnis Bank 2020-2022, In line with the theme establishment of the 2020-2022 Bank
yaitu Towards Stronger Resilient and Balanced Growth, maka Bank Business Plan, which is Towards Stronger, Resilient, and Balanced
Victoria telah menetapkan langkah-langkah strategis sebagai Growth, Bank Victoria has established the following strategic
berikut. steps.
1. Strategi Pengembangan Penghimpunan Dana 1. Strategy to Develop Third-Party Deposits

Pihak Ketiga
Penghimpunan dana pihak ketiga di tahun 2020 akan Collection of third-party deposits in 2020 focused on retail
difokuskan kepada deposan retail dan berdana murah. depositors and low-cost funds. Some key strategies that will
Adapun beberapa kunci strategi yang akan diterapkan oleh be applied by the Bank are:
Bank adalah:
a. Strategi Produk (Product Strategy) a. Product Strategy
• Memperkenalkan produk giro dan Deposito Valas • Introducing foreign currency demand deposits
(USD dan other major currency); and time deposits products (USD and other major
currencies);
• Memasarkan chip card ATM; • Marketing ATM chip card;
• Meluncurkan internet banking bussiness dan virtual • Launching internet banking business and virtual
account; accounts;
• Mendorong penjualan VIP Safe, New V-Plan, dan • Encouraging sales of VIP Safe, New V-Plan, and
V-Maxima; V-Maxima;
• Memasarkan fitur baru VIP Giro; • Marketing new VIP Demand Deposit features;
• Mewajibkan rekening tabungan untuk pembukaan • Requiring savings account in order to open a time
deposito; deposit;
• Memperkenalkan beberapa bundling program • Introducing several bundling programs for savings,
tabungan, deposito, dan produk asuransi; time deposits, and insurance products;
• Meluncurkan beberapa produk dan program wealth • Launching several wealth management products and
mangement, seperti bancassurance regular premium programs, such as regular premium bancassurance
untuk meningkatkan fee based income Bank; dan to increase the Bank's fee-based income; and
• Memasarkan produk mutual fund. • Marketing mutual fund products.
b. Strategi Pemasaran (Marketing Strategy) b. Marketing Strategy
• Melakukan kegiatan sosialisasi perbankan melalui • Conducting banking dissemination activities through
CSR dan atau edukasi terhadap masyarakat; CSR and/or education to the community.
• Setiap wilayah akan mengadakan customer event • Each region will hold a customer event every month
setiap bulannya untuk memperkenalkan produk to introduce the Bank's superior products, especially
unggulan Bank, terutama VIP Safe; VIP Safe;
• Melakukan aktivitas customer gathering untuk • Conducting customer gathering activities for wealth
produk-produk wealth management; management products;
• Bekerja sama dalam hal referensi produk • Cooperating in terms of bancassurance product
bancassurance; dan reference; and
• Memperkenalkan layanan call center Bank. • Introducing the Bank’s call center services.
c. Strategi Penjualan (Marketing Strategy) c. Marketing Strategy
• Meningkatkan produktivitas Pimpinan Kantor Cabang • Increasing the productivity of Branch Office
dan Marketing Officer dalam; Managers and Marketing Officers in;
• Pencapaian DPK dan NTB melalui laporan, monitoring • Achieving DPK and NTB through daily reports,
dan mentoring harian; monitoring, and mentoring;
• Mengurangi porsi deposan inti dengan • Reducing the portion of core depositors by increasing
memperbanyak porsi deposan retail agar DPK the portion of retail depositors so that DPK portfolio
portfolio tidak hanya dominasi oleh deposan inti; will not only be dominated by core depositors;

• Melakukan aktivitas cross selling kepada debitur dan • Conducting cross selling activities to debtors and
deposan korporasi/komersial untuk menjual produk corporate/commercial depositors to sell Time
Deposito, VIP Safe, New V-Plan dan V-Maxima kepada Deposits, VIP Safe, New V-Plan, and V-Maxima
karyawan; products to employees;
• Mendorong kantor cabang untuk melakukan aktivitas • Encouraging Branch Offices to engage in more
penjualan yang lebih agresif dengan cara referral, aggressive sales activities by referrals, cross-selling,
cross-selling, dan portfolio deepening; and deepening portfolios.
• Mengaktivasikan nasabah yang sudah dormant • Activating dormant or zero balance customers by
ataupun zero balance dengan memberikan informasi providing up-to-date information of time deposit
rate deposito yang up-to-date, fitur produk VIP Safe, rates, VIP Safe product features, New V-Plan,
New V-Plan, V-Maxima, dan cross-selling kepada V-Maxima, and cross-selling of wealth management
produk wealth management; products;
• Mengaktivasikan nasabah yang sudah dormant • Activating dormant or zero balance customers by
ataupun zero balance dengan memberikan informasi providing up-to-date information of time deposit
rate deposito yang up-to-date, fitur produk VIP Safe, rate, VIP Safe product features, and cross-selling of
dan cross-selling kepada produk wealth management; wealth management products.
• Setiap wilayah mengadakan program OTO minimal • Each region holds an OTO program at least once a
satu kali dalam satu bulan; dan month; and
• Meningkatkan profitabilitas bank melalui cross- • Increasing the Bank’s profitability through cross-
selling penjualan produk bancassurance / wealth selling of bancassurance/wealth management
management. products.
2. Strategi Pembiayaan Kredit 2. Loan Financing Strategy

Strategi pembiayaan kredit di tahun 2020, Bank akan fokus Credit financing strategy in 2020, the Bank will focus on
kepada pertumbuhan kredit dengan tetap menjaga prinsip credit growth by maintaining the principle of prudence and
kehati-hatian serta memiliki tingkat pengembalian yang having a high rate of return with the strategies that will be
tinggi dengan strategi yang akan diterapkan oleh Bank applied by the Bank in the future as follows.
kedepannya sebagai berikut dengan strategi yang akan
diterapkan oleh Bank kedepannya sebagai berikut.
a. Menetapkan sasaran/target pasar berdasarkan risk a. Determining market aims/targets based on risk
appetite appetite
• Mengklasifikasikan jenis usaha (perdagangan, • Classifying types of business (trade, industry,
industri, jasa, dan properti) dari yang menjadi services, and property) from priority to avoided
prioritas hingga yang dihindari; ones;
• Memberdayakan lebih lagi peran Divisi Business dan • Empowering further the role of Business Division and
kantor cabang utama sebagai pemegang kendali main branch offices as holders of strategic control
strategi dan pencapaian portofolio; and portfolio achievement;
• Menjaga pemberian kredit dengan prinsip kehati- • Maintaining loans with the principle of prudence
hatian berdasarkan SOP dan ketentuan Bank serta based on SOPs and Bank regulations, as well as
menjaga kualitas kredit yang yang diberikan; maintaining the quality of loans;
• Memberikan kredit kepada perusahaan BUMN, • Providing credit to SOE companies, reputable
perusahaan konglomerasi yang bereputasi dan conglomerates, and exporters debtors; and
debitur eskportir; dan
• Melakukan cross-selling produk-produk Bank, seperti • Cross-selling Bank products, such as ViBiz,
ViBiz, payroll, dan giro dengan menyaratkan offering payroll, and demand deposits by requiring offering
letter. letters.
b. Meningkatkan pertumbuhan portofolio kredit secara b. Increasing loan portfolio growth consistently
konsisten
• Memprioritaskan pertumbuhan kredit usaha kecil • Prioritizing the growth of small and medium
dan menengah (UKM) (sampai dengan Rp15 miliar) enterprises (SME) loans (up to Rp15 billion) and
dan komersil (sampai dengan Rp50 miliar); commercial loans (up to Rp50 billion);
• Mendorong pertumbuhan kredit di kantor cabang • Encouraging credit growth in main branch offices and
utama dan kantor cabang pembantu dengan sub-branch offices by monitoring the development

memantau perkembangan pipeline (cold, warm, hot) of pipelines (cold, warm, hot) in a disciplined manner
secara displin dan berkoordinasi dengan Branch and coordinating with Branch Managers through
Manager lewat rapat rutin; regular meetings;
• Memperoleh refferal dari debitur-debitur existing • Obtaining referrals from the existing debtors who
yang memiliki jejak rekam yang baik; have good track record;
• Menggunakan database dari pihak ketiga untuk • Using a database from a third party for the target
target klien; client;
• Refinancing ballon payment untuk menjaga • Refinancing ballon payments to maintain
outstanding; dan outstanding; and
• Sustainable finance dalam rangka pemenuhan • Sustainable finance in the framework of fulfilling
himbauan dari Otoritas Jasa Keuangan dan appeals from the Financial Services Authority and
Kementerian Keuangan. Ministry of Finance.
c. Melakukan percepatan proses pengajuan kredit agar c. Accelerating loan application process in order to be
dapat kompetitif competitive
• Melakukan perbaikan dalam pengisian usulan • Making improvements in filling out credit application
permohonan kredit (peningkatan kualitas); proposals (quality improvement);
• Memperbaiki sistem pengecekan alur proses • Improving the checking system of loan application
pengajuan kredit dan dokumentasinya; process flow and documentation;
• Meningkatkan koordinasi yang lebih baik dengan • Improving better coordination with the support
bagian support, taksasi agunan (legal dan department, collateral assessment (legal and credit
administrasi kredit); dan administration department); and
• Melakukan koordinasi yang sinergi dengan bagian • Coordinating in synergy with the credit analyst
analis kredit berdasarkan prinsip kehati-hatian dan department based on the principle of prudence and
transparansi. transparency.
d. Meningkatkan Yield on Loan dan fee based income; d. Increasing Yield on Loans and fee-based
income;
• Pembiayaan kepada debitur yang memerlukan • Financing to debtors who require short-term
Bridging Financing yang bersifat jangka pendek Bridging Financing at a price above the market but
dengan harga di atas pasar dan tetap menjaga prinsip still maintaining the principle of prudence;
kehati-hatian;
• Pembiayaan dalam bentuk structured loan kepada • Financing in the form of structured loans to reputable
debitur yang bereputasi dan memiliki arus kas yang baik; debtors having good cash flows;
• Melakukan tinjauan ulang secara periode bunga • Conducting a periodic review of the loan interest
pinjaman yang dikaitkan dengan customer rates associated with the customer profitability
profitability report (CPR), termasuk aktivitas rekening report (CPR), including operational account
operasional; dan activities; and
• Fokus penambahan fee based income dari debitur • Focus on adding fee-based income from trade
trade finance. finance debtors.
e. Meningkatkan penanganan/pengelolaan internal; e. Improving internal handling/management;
• Mengadakan pelatihan dan workshop secara berkala • Holding regular training and workshops to increase
guna meningkatkan pengetahuan; knowledge;
• Melakukan tinjauan ulang proses kredit dan • Reviewing the credit process and updating credit
memperbarui kebijakan perkreditan agar pemberian policies so that credit granting is faster and more
kredit lebih cepat dan hati-hati; careful;
• Melakukan koordinasi dengan bagian restrukturisasi • Coordinating with the restructuring department and
dan Divisi Special Asset Management untuk Special Asset Management Division for collectability
kolektibilitas 2 (dua) dan NOL; 2 (two) and NOL;
• Melakukan koordinasi dengan bagian Management • Coordinating with the Management Information
Information System (MIS) untuk menghasilkan System (MIS) to produce accurate database;
database yang akurat;
• Meningkatkan monitoring Early Warning System • Improving Early Warning System (EWS) monitoring
(EWS) terhadap debitur-debitur agar tidak terjadi of debtors so that credit quality does not
penurunan kualitas kredit; decline;
3. Aspek Operasional dan Teknologi 3. Operational and Technological Aspects

Secara umum, tema strategi terkait dengan aspek In general, the strategy theme is related to operational and
operasional dan teknologi yang akan diterapkan oleh Bank ke technological aspects that will be applied by the Bank to
depan adalah menyediakan layanan operasional perbankan the future, which are providing efficient, convenient, fast,
yang efisien, nyaman, cepat dan handal yang berbasis kepada and reliable banking operational services based on business
orientasi bisnis. Adapun poin-poin yang akan diterapkan oleh orientation. Below are points that will be applied by the Bank
Bank ke depan sebagai berikut. to the future.

a. Jalur efektifitas proses operasional dari hulu ke hilir a. Evaluating and improving the effectiveness of operational
dievaluasi dan diperbaiki; process path from upstream to downstream;
b. Kualitas administrasi dan percepatan proses dapat b. The quality of administration and acceleration of the
diwujudkan baik dari sisi perkreditan, operational, dan di process can be realized in terms of credit, operations,
IT; and IT;
c. Transaksi yang semakin kompleks dan meningkat c. Transactions that are increasingly complex and increasing
jumlahnya dapat di deliver secara tepat waktu, zero in number can be delivered in a timely manner with zero
defect dan memberikan kepuasan kepada customers; defects, that provide satisfaction to customers;
d. Data corebanking dapat diolah dan didistribusikan d. Corebanking data can be processed and distributed to
kepada berbagai unit kerja yang membutuhkan dalam various work units that need it in the form of proper and
bentuk laporan yang tepat dan akurat, sehingga proses accurate reports so that the business decision making
pengambilan keputusan bisnis lebih efektif; process is more effective;
e. Dapat mengikuti perkembangan arah bisnis yang lebih e. Able to follow the development of business directions
fokus ke retail banking, sehingga dapat sejajar dengan that are more focused on retail banking in order to be in
bank pesaing; line with the competing banks;
f. Peningkatan layanan dan produk perbankan; dan f. Improvement of banking services and products; and
g. Peningkatan monitoring transaksi perbankan dengan g. Improvement of monitoring of banking transactions with
aplikasi SIEM. SIEM application.
Strategi Pemasaran Marketing Strategy

Dalam menjaring DPK dan menyalurkan pinjaman, Bank Victoria In capturing DPK and channeling loans, Bank Victoria conducts
menjalankan strategi pemasaran sebagaimana dijelaskan berikut ini. marketing strategies as described below.
Terkait penghimpunan dana pihak ketiga, Bank melaksanakan Related to collection of third-party deposits, the Bank implements
strategi pemasaran yaitu. the following marketing strategies.
1. Sosialisasi perbankan melalui CSR dan edukasi ke masyarakat; 1. Banking dissemination through CSR and education to the
community;
2. Penyelenggaraan customer event di setiap klaster setiap 2. Organizing customer event in each cluster every month to
bulan untuk memperkenalkan produk unggulan Bank, introduce the Bank's superior products, especially VIP Safe;
terutama VIP Safe;
3. Pelaksanaan customer gathering untuk produk-produk wealth 3. Organizing customer gathering for wealth management
management; products;
4. Kerja sama referensi produk bancassurance; dan 4. Cooperating in terms of bancassurance product reference; and
5. Pengenalan layanan call center Bank ke pasar. 5. Introducing the Bank’s call center services to the market.
Sementara, strategi penjualan Bank sebagai berikut. Meanwhile, the Bank's sales strategies are as follows.
1. Peningkatan produktivitas pimpinan cabang dan marketing 1. Increasing the productivity of branch managers and
officer dalam pencapaian DPK; marketing officers in achieving DPK;
2. Peningkatan porsi deposan retail terhadap total DPK; 2. Increasing portion of retail depositors to total DPK;
3. Aktivitas cross-selling ke debitur dan deposan korporasi dan 3. Cross-selling activities to corporate and commercial debtors
komersial, termasuk produk bancassurance; and depositors, including bancassurance products;
4. Aktivitas penjualan yang lebih agresif; 4. More aggressive sales activities;
5. Aktivasi nasabah dormant dan zero balance dengan memberikan 5. Activating dormant and zero balance customers by providing up-
informasi terkini terkait produk dan suku bunga Bank; to-date information on the Bank's products and interest rates;
6. Pelaksanaan program Office to Office (OTO) minimal sekali 6. Implementing Office to Office (OTO) program at least once a
sebulan di setiap klaster. month in each cluster.
Terkait penyaluran pinjaman, strategi pemasaran Bank dirangkum Regarding loans, the Bank's marketing strategies are summarized
sebagai berikut. as follows.
1. Prioritas pada pertumbuhan kredit Usaha Mikro, Kecil, dan 1. Priority on the growth of Micro, Small, and Medium Enterprises
Menengah (UMKM) dan Komersial; (MSME) and Commercial loans;
2. Fokus pada kantor cabang-cabang dengan portofolio kredit 2. Focus on branch offices with a substantial and high-potential
yang substansial dan berpotensi tinggi; loan portfolio;
3. Percepatan proses pengajuan kredit, sehingga lebih 3. Accelerating loan application process in order to be more
kompetitif; dan competitive; and
4. Penguatan peran dan kualitas SDM di bidang perkreditan untuk 4. Strengthening HR role and quality in the credit sector to
meningkatkan layanan dan pengelolaan account secara konsisten. improve service and account management consistently.

Pangsa Pasar Market Share

Bank Victoria merupakan bank umum yang berada di kelas BUKU Bank Victoria is a commercial bank in BUKU II class, which
II yang secara khusus memiliki persaingan usaha dengan bank specifically has business competition with other commercial
umum lainnya di Indonesia di kelas BUKU II. Berikut posisi Bank banks in Indonesia in BUKU II class. Bank Victoria’s position in the
Victoria di industri perbankan dan bank BUKU II. banking industry and BUKU II banks is shown below.
Pangsa Pasar Bank Victoria di Industri Perbankan dan Bank BUKU II

Bank Victoria's Market Share in Banking Industry and BUKU II Banks
Uraian
Bank 2019 2018
Description
Kinerja Keuangan
Financial Performance
(dalam miliar Rupiah, kecuali dinyataan lain/ in billion Rupiah, unless stated otherwise)
Industri Perbankan
8,212,586 7,751,621
Banking Industry
Bank BUKU II
905,190 823,832
BUKU II Banks
Aset Bank Victoria dan Entitas Anak

30,456 30,172
Assets Victoria Bank and Subsidiaries
Pangsa Pasar Industri Perbankan (%)

0.37 0.39
Market Share of Banking Industry (%)
Pangsa pasar Bank BUKU II (%)

3.36 3.66
Market Share of BUKU II Banks (%)
Industri Perbankan
5,998,648 5,630,448
Banking Industry
Bank BUKU II
621,089 549,986
BUKU II Banks
DPK Bank Victoria dan Entitas Anak

23,479 22,194
Third-Party Deposits Victoria Bank and Subsidiaries

0.39 0.39

3.75 4.02
Industri Perbankan
5,683,757 5,358,012
Banking Industry
Bank BUKU II
569,146 525,714
BUKU II Banks
Kredit yang Diberikan Bank Victoria dan Entitas Anak

17,440 16,393
Loans Victoria Bank and Subsidiaries

0.31 0.31

3.06 3.12
Rasio Keuangan*
Financial Ratios*
(dalam% / in %)
Industri Perbankan
4.91 5.14
Banking Industry
Bank BUKU II
NIM 4.81 5.08
BUKU II Banks
Bank Victoria
1.07 1.82
Victoria Bank

Uraian
Bank 2019 2018
Description
Industri Perbankan
2.47 2.55
Banking Industry
Bank BUKU II
ROA 1.42 1.54
BUKU II Banks
Bank Victoria
(0.09) 0.33
Victoria Bank
Industri Perbankan
94.43 94.78
Banking Industry
Bank BUKU II
LDR 90.38 94.03
BUKU II Banks
Bank Victoria
74.46 73.61
Victoria Bank
Industri Perbankan
23.40 22.97
Banking Industry
Bank BUKU II
CAR 25.44 26.28
BUKU II Banks
Bank Victoria
17.29 16.73
Victoria Bank
Industri Perbankan
79.39 77.86
Banking Industry
Bank BUKU II
BOPO 88.32 86.21
BUKU II Banks
Bank Victoria
100.69 100.24
Victoria Bank
Industri Perbankan
2.06 2.49
Banking Industry
NPL Bruto Bank BUKU II

4.15 3.84
Gross NPL BUKU II Banks
Bank Victoria
6.77 3.48
Victoria Bank

Pangsa Pasar Bank Victoria di Bank BUKU II Tahun 2019 (dalam %)

Bank Victoria’s Market Share in BUKU II Banks in 2019 (in %)
3.06
3.36
3.75
In 2019 and 2018, market share of Bank Victoria and Subsidiaries

in the banking industry was stable in the range of 0.30% - 0.30%,
in terms of achievement of assets, third-party funds, and loans.
96.64 96.25 96.94
Berdasarkan Total Aset Berdasarkan Total Dana Pihak Ketiga Berdasarkan Kredit yang Diberikan
By Total Assets By Total Third-Party Funds By Loans
Bank BUKU II Bank Victoria

BUKU II Banks Victoria Bank

Pada tahun 2019 dan 2018, pangsa pasar Bank Victoria dan Entitas Likewise, the market share in group of BUKU II banks was
Anak untuk industri perbankan stabil pada kisaran 0,30%-0,40%, relatively stable in the range of 3.00%-4.00%. This market share
baik dari segi pencapaian aset, dana pihak ketiga, maupun kredit yang shows the Bank's ability to maintain its existence in the national
diberikan. Demikian pula pangsa pasar pada kelompok bank BUKU II banking industry, specifically the peer group of BUKU II banks.
relatif stabil di kisaran 3,00%-4,00%. Pangsa pasar ini menunjukkan
kemampuan Bank dalam mempertahankan eksistensinya di industri
perbankan nasional, khususnya peer group bank BUKU II.
Tinjauan Segmen Usaha Business Segment Overview

Penjelasan dan Kinerja Operasional Segmen Explanation and Operational Performance of
Operasi Operating Segment
Segmen operasi Bank Victoria dibagi ke dalam segmen Bank Victoria’s operating segment is divided into conventional
konvensional dan segmen syariah. Penjelasan tiap-tiap segmen segment and sharia segment. Explanation of each segment is
diuraikan sebagai berikut. described as follows.
1. Segmen Konvensional 1. Conventional Segment

Segmen konvensional terdiri dari produk dan jasa berupa Conventional segment consists of products and services in the
produk simpanan, produk pinjaman, dan jasa layanan. forms of savings products, lending products, and services.
a. Penghimpunan Dana (Simpanan) a. Funding (Savings)
Produk simpanan merupakan dana pihak ketiga yang Savings products are third-party deposits that have been
berhasil dihimpun oleh Bank melalui berbagai produk collected by the Bank through various savings products,
tabungan, giro,dan deposito. demand deposits, and time deposits.
Total Rekening Dana Pihak Ketiga
Total Accounts of Third-Party Deposits
(dalam unit rekening, kecuali dinyatakan lain / (in account unit, unless stated otherwise)
Komposisi Komposisi Pertumbuhan

Uraian 2019 Composition 2018 Composition Growth Description
(%) (%) (%)
Tabungan 67,639 70.81 70,558 72.70 (4.14) Savings Accounts
Giro 2,535 2.65 2,306 2.38 9.93 Demand Deposits
Deposito Berjangka 25,345 26.53 24,187 24.92 4.79 Time Deposits
Total 95,519 100.00 97,051 100.00 (1.58) Total
Total rekening dana pihak ketiga Bank Victoria pada Bank Victoria's total third party fund accounts in 2019
tahun 2019 mencapai 95.519 unit rekening, turun 1,58% reached 95,519 accounts, a decrease of 1.58% compared
dibandingkan dengan tahun 2018 yang mencapai 97.051 to that of 2018, which reached 97,051 accounts. The
unit rekening. Penurunan tersebut dikarenakan turunnya decrease was due to the decrease in savings products
produk tabungan sebesar 4,14%. Namun demikian, by 4.14%. However, savings products contributed the
produk tabungan memberikan kontribusi terbesar yaitu most, which was 70.81%, followed by time deposits
70,81%, diikuti deposito berjangka dan giro yang masing- and demand deposits of 26.53% and 2.65% in 2019,
masing sebesar 26,53% dan 2,65% pada tahun 2019. respectively.
Total Dana Pihak Ketiga

Total Third Party Funds
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)

(%) (%) (%)
Tabungan 2,777,421 12.75 2,712,595 12.45 2.39 Savings Accounts
Deposito Berjangka 18,076,129 82.95 17,247,139 79.15 4.86 Time Deposits
Negotiable Certificate 8,881 0.04 100.00 Negotiable Certificate

Deposits - - Deposits
Total 21,791,637 100.00 20,636,380 100.00 5.60 Total

Jumlah dana pihak ketiga yang berhasil dihimpun Bank The amount of third party funds collected by Bank
Victoria mengalami peningkatan sebesar 5,60% dari Victoria increased by 5.60% from Rp20.64 trillion in 2018
Rp20,64 triliun di 2018 menjadi Rp21,79 triliun di 2019. to Rp21.79 trillion in 2019. This increase was due to the
Kenaikan ini disebabkan naiknya deposito berjangka increase in time deposits by 4.86% and demand deposits
sebesar 4,86% dan giro sebesar 37,33%. Dana pihak by 37.33%. These third party funds were dominated by
ketiga ini didominasi oleh deposito berjangka sebesar time deposits of 82.99% in 2019.
82,99% pada tahun 2019.
Tabungan Savings
Penjelasan mengenai kinerja produk tabungan diuraikan Details on the performance of savings products are
sebagai berikut. described as follows.
Total Rekening Produk Tabungan

Total Accounts of Savings Products
(dalam unit rekening, kecuali dinyatakan lain / in account unit, unless stated otherwise)

(%) (%) (%)
Pihak Ketiga 67,615 99.96 70,368 99.73 (3.91) Third Parties
Pihak Berelasi 24 0.04 190 0.27 (87.37) Related Parties
Total 67,639 100.00 70,558 100.00 (4.14) Total
Produk tabungan mengalami penurunan di tahun 2019. Savings products decreased in 2019. The number of
Jumlah rekening tabungan turun sebesar 4,14% dari savings accounts decreased by 4.14% from 70.558
70.558 unit rekening di 2018 menjadi 67.639 unit rekening accounts in 2018 to 67,639 accounts in 2019. The
di 2019. Penurunan rekening tabungan berasal dari decrease in savings account was caused by third-party
tabungan pihak ketiga dan berelasi yang masing-masing and related-party savings, which decreased by 3.91% and
turun sebesar 3,91% dan 87,37%. 87.37%, respectively.
Total Dana Produk Tabungan

Total Funds of Savings Products

(%) (%) (%)
Pihak Ketiga 2,717,405 97.84 2,664,213 98.22 2.00 Third Parties
Pihak Berelasi 60,016 2.16 48,382 1.78 24.04 Related Parties
Total 2,777,421 100.00 2,712,595 100.00 2.39 Total
Sedangkan, jumlah dana yang dihimpun Bank Victoria Meanwhile, the amount of funds raised by Bank Victoria
melalui produk tabungan tercatat sebesar Rp2,78 triliun, through savings products was recorded at Rp2.78 trillion,
meningkat 2,39% jika dibandingkan tahun 2018 sebesar an increase of 2.39% compared to that of 2018 of Rp2.71
Rp2,71 triliun. Peningkatan tersebut berasal dari pihak trillion. The increase was caused by third-party and
ketiga dan pihak berelasi yang masing-masing meningkat related-party, which decreased by 2.00% and 24.04%,
sebesar 2,00% dan 24,04%. respectively.
Giro Demand Deposits

Rincian jumlah rekening dan jumlah dana produk giro Details of the number of accounts and the amount of
yang berhasil dihimpun oleh Bank Victoria disajikan demand deposits that have been collected by Bank
dalam tabel berikut. Victoria are presented in the following table.

Total Rekening Produk Giro

Total Accounts of Demand Deposits Products

(%) (%) (%)
Pihak Ketiga 2,514 99.17 2,238 97.05 12.33 Third Parties
Total 2,535 100.00 2,306 100.00 9.93 Total
Total rekening produk giro tahun 2019 mencapai 2.535 The number of demand deposits in 2019 reached 2,535
unit rekening, meningkat sebesar 9,93% dibandingkan accounts, which increased by 9.93% compared to 2,306
dengan tahun 2018 yang mencapai 2.306 unit rekening. accounts in 2018. The increase particularly came from
Peningkatan tersebut khususnya berasal dari kenaikan the increase in demand deposits from third parties of
produk giro dari pihak ketiga sebesar 12,33%. 12.33%.
Total Dana Produk Giro

Total Funds of Demand Deposits Products

(%) (%) (%)
Pihak Ketiga 890,460 95.83 652,767 96.47 36.41 Third Parties
Total 929,206 100.00 676,646 100.00 37.33 Total
Total dana produk giro tahun 2019 mencapai Rp929,21 miliar, Total funds from demand deposits in 2019 reached
naik sebesar 37,33% dibandingkan dengan tahun 2018 yang Rp929.21 billion, an increase by 37.33% compared to that
mencapai Rp635,23 miliar. Kenaikan tersebut berasal dari of 2018, which reached Rp635.23 billion. The increase
produk giro pihak ketiga yang mengalami kenaikan sebesar came from demand deposits of third parties, which
36,41% dan pihak berelasi sebesar 62,26%. increased by 36.41%, and related parties, which increased
by 62.26%.
Deposito Berjangka Time Deposits

Kinerja produk deposito berjangka sepanjang tahun 2019 The performance of time deposits products during 2019
diuraikan sebagai berikut. is described as follows.
Total Rekening Produk Deposito Berjangka

Total Accounts of Time Deposits Products

(%) (%) (%)
1 bulan 10,803 42.64 9,620 39.79 12.30 1 month
3 bulan 10,702 42.25 11,406 47.18 (6.17) 3 months
6 bulan 2,914 11.50 2,355 9.74 23.74 6 months
12 bulan 914 3.61 797 3.30 14.68 12 months
Total 25,333 100.00 24,178 100.00 4.78 Total

Pada tahun 2019, total rekening produk deposito berjangka In 2019, the total accounts of Bank Victoria's time
Bank Victoria mencapai 25.333 unit rekening, meningkat deposits products reached 25,333 accounts, an increase
sebesar 1.155 unit rekening atau 4,78% dibandingkan of 1,155 accounts or 4.78% compared to that of 2018 of
dengan tahun 2018 sebesar 24.178 unit rekening. 24,178 accounts. The increase was mainly due to the
Peningkatan tersebut terutama berasal dari pertumbuhan growth of 1 (one) month and 6 (six) month time deposits
produk deposito berjangkan 1 (satu) bulan dan 6 (enam) products.
bulan.
Tabel Total Dana Produk Deposito Berjangka

Table of Total Funds of Time Deposits Products

(%) (%) (%)
1 bulan 6,283,102 34.76 6,515,123 37.78 (3.02) 1 month
3 bulan 6,419,685 35.51 6,665,412 38.64 (3.12) 3 months
6 bulan 3,803,640 21.04 2,503,790 14.52 6.52 6 months
12 bulan 1,569,702 8.69 1,562,814 9.06 0.37 12 months
Total 18,076,129 100.00 17,247,139 100.00 0.01 Total

Pada tahun 2019, total dana produk deposito berjangka In 2019, total funds from time deposits reached Rp18.08
mencapai Rp18,08 triliun, naik sebesar 4,81% trillion, an increase of 4.81% compared to that of 2018,
dibandingkan dengan tahun 2018 yang mencapai Rp17,25 which reached Rp17.25 trillion. The increase was mainly due
triliun. Kenaikan tersebut terutama berasal dari naiknya to the increase in 6 (six) -month time deposits by 51.92%
deposito berjangka 6 (enam) bulan sebesar 51,92% dari from Rp2.50 trillion to Rp3.80 trillion in 2019.
Rp2,50 triliun menjadi Rp3,80 triliun pada tahun 2019.
b. Penyaluran Dana (Pinjaman) b. Lending (Loans)

Produk pinjaman merupakan pemberian kredit kepada Loan products are credit provision to third parties, either
pihak ketiga, baik perorangan maupun perusahaan. individual or company. The provision of loans is carried
Pelaksanaan pemberian kredit dilakukan dengan tetap out with due regard to the prudential principles and
memperhatikan prinsip kehati-hatian dan prosedur sound credit procedures. Loan product performance in
perkreditan yang sehat. Kinerja produk pinjaman 2019 is described as follows.
sepanjang tahun 2019 diuraikan sebagai berikut.
Produk Pinjaman Berdasarkan Pihak

Loan Products By Parties

(%) (%) (%)
Pihak Ketiga 15,983,552 98.61 15,074,695 99.44 6.03 Third Parties
Total 16,208,506 100.00 15,159,025 100.00 6.92 Total
Berdasarkan pihak, produk pinjaman Bank Victoria By parties, Bank Victoria's loan products to third parties
kepada pihak ketiga di tahun 2019 sebesar Rp15,98 triliun, in 2019 amounted to Rp15,98 trillion, an increase of 6.03%
naik 6,03% dibandingkan tahun 2018 sebesar Rp15,07 compared to that of 2018 amounting to Rp15.07 trillion.
triliun. Sementara itu, pinjaman ke pihak berelasi pada Meanwhile, loans to related parties in 2019 amounted to
2019 sebesar Rp224,95 miliar, naik 166,75% dibandingkan Rp224.95 billion, an increase of 166.75% compared to that
tahun 2018 sebesar Rp84,33 miliar. Secara komposisi, of 2018 amounting to Rp84.33 billion. By composition,
produk pinjaman berdasarkan pihak didominasi oleh loan products based on parties were dominated by
pinjaman kepada pihak ketiga dengan kontribusi sebesar loans to third parties, with a contribution of 98.61% in
98,61% pada tahun 2019. 2019.

Produk Pinjaman Berdasarkan Jenis Pinjaman

Loan Products By Types of Loans

(%) (%) (%)
Pinjaman Tetap 11,107,487 68.53 10,558,486 69.65 5.20 Fixed Loans
Pinjaman Konsumen 234,596 1.45 299,260 1.97 (21.61) Consumer Loans
Pinjaman Rekening Koran 1,112,021 6.86 973,885 6.42 14.18 Overdraft Loans
Pinjaman Tetap Dengan Fixed Loans with

3,661,516 22.59 3,273,986 21.60 11.84
Angsuran Installments
Pinjaman Serba Guna 92,886 0.57 53,408 0.35 73.92 Multipurpose Loans
Total 16,208,506 100.00 15,159,025 100.00 6.92 Total
Bank Victoria membukukan total pinjaman sebesar Bank Victoria recorded a total loan of Rp16.21 trillion in
Rp16,21 triliun pada tahun 2019, meningkat sebesar 6,92% 2019, an increase of 6.92% compared to that of previous
dibandingkan tahun sebelumnya sebesar Rp15,16 triliun. year of Rp15.16 trillion. Based on the types of loans,
Jika dilihat berdasarkan jenis pinjaman yang diberikan, loan products were dominated by fixed loans with a
produk pinjaman didominasi oleh pinjaman tetap dengan composition of 68.53% in 2019.
komposisi sebesar 68,53% pada tahun 2019.
Produk Pinjaman berdasarkan Sektor Ekonomi

Loan Products By Economic Sector

(%) (%) (%)
Lembaga Pembiayaan 3,238,753 19.98 3,645,210 24.05 (11.15) Financing Institution
Perdagangan, Restoran Trading, Restaurant,

3,667,718 22.63 3,320,498 21.90 10.46
dan Hotel and Hotel
Industri 1,840,308 11.35 1,873,465 12.36 (1.77) Industry
Real Estate 3,738,277 23.06 3,317,177 21.88 12.69 Real Estate
Konstruksi 848,080 5.23 902,427 5.95 (6.02) Construction
Jasa-jasa Sosial/ Social/Community

580,887 3.58 579,851 3.83 0.18
Masyarakat Services
Lain-lain 2,294,483 14.16 1,520,397 10.03 50.91 Others
Total 16,208,506 100.00 15,159,025 100.00 6.92 Total
Berdasarkan sektor ekonomi, kontribusi penyaluran In terms of the economic sector, the largest credit
kredit terbesar pada tahun 2019 berasal dari sektor contribution in 2019 came from the real estate sector
real estate sebesar 23,06% dan sektor perdagangan, at 23.06% and trading, restaurant, and hotel sector at
restoran, dan hotel sebesar 22,63%, kemudian diikuti oleh 22.63%, then followed by the financing institution sector
sektor lembaga pembiayaan sebesar 19,98%. Sedangkan, at 19.98%. Meanwhile, the economic sector experiencing
sektor ekonomi yang mengalami peningkatan penyaluran the most significant increase in credit distribution during
kredit paling signifikan selama tahun 2019 adalah sektor 2019 was others sectors, which increased by 50.91%,
lain-lain yang mengalami peningkatan sebesar 50,91%, followed by real estate sector by 12.69%.
diikuti oleh sektor real estate sebesar 12,69%.

Tabel Produk Pinjaman UMKM

Table of MSME Loan Products

(%) (%) (%)
Usaha Mikro - - - - - Micro Business
Usaha Kecil 57,169 2.96 77,996 4.13 (26.70) Small Business

Usaha Menengah 1,872,916 97.04 1,808,660 95.87 3.55 Medium Business
Total 1,930,085 100.00 1,886,656 100.00 2.30 Total
Produk pinjaman yang disalurkan pada Usaha Mikro, Loan products distributed to Micro, Small, and Medium
Kecil dan Menengah pada tahun 2019 tercatat sebesar Enterprises in 2019 amounted to Rp1.93 trillion, an
Rp1,93 triliun naik sebesar 2,30% dibanding tahun 2018 increase of 2.30% compared to that of 2018 of Rp1.89
sebesar Rp1,89 triliun. Hal ini disebabkan oleh usaha kecil trillion. This was due to the small business experiencing a
yang mengalami penurunan sebesar (26,70%) sedangkan decrease of (26.70%), while medium business increased by
usaha menengah meningkat sebesar 3,55% 3.55%.
c. Jasa Layanan c. Services

Bank Victoria memberikan berbagai layanan penunjang Bank Victoria provides a variety of supporting services
yang bertujuan untuk memudahkan nasabah dalam aimed at facilitating customers in conducting banking
melakukan transaksi perbankan. Pada tahun 2019, transactions. In 2019, the operational performance
kinerja operasional dari layanan perbankan Bank Victoria of Bank Victoria's banking services was as described
diuraikan sebagai berikut. below.
Layanan Keuangan
Financial Services

(%) (%) (%)
Kliring 13,193,477 84.92 8,700,273 80.57 51.64 Clearing
Postpaid 165,210 1.06 54,414 0.50 203.62 Postpaid
Prepaid 185 0.00 97 0.00 90.72 Prepaid
Pembayaran Telkom 4,432 0.03 2,438 0.02 81.79 Telkom Payment
Pembayaran Gaji Employees’ Salary

42,223 0.27 1,684 0.02 2,407.30
Karyawan Payments
ATM Victoria 2,131,550 13.72 2,039,149 18.88 4.53 ATM Victoria
Total 15,537,077 100.00 10,798,055 100.00 43.89 Total

Produk pinjaman jasa layanan tahun 2019 mencapai Rp15,54 Services loan product in 2019 reached Rp15.54 trillion, an
triliun meningkat sebesar 43,89% dibandingkan dengan increase of 43.89% compared to Rp10.80 trillion in 2018.
tahun 2018 yang mencapai Rp10,80 triliun. Peningkatan The increase was mainly derived from the increase in
tersebut khususnya berasal dari kenaikan layanan kliring clearing services by Rp4.49 trillion or 51.64% from Rp8.70
sebesar Rp4,49 triliun atau 51,64% dari Rp8,70 triliun trillion to Rp13.19 trillion in 2019. The biggest contribution
menjadi Rp13,19 triliun pada tahun 2019. Kontribusi terbesar from financial services was achieved by clearing services
dari jasa layanan keuangan diraih oleh jasa kliring sebesar by 84.92% and ATM Victoria by 13.72% in 2019.
84,92% dan ATM Victoria 13,72% pada tahun 2019.
Layanan Bank Devisa Foreign Exchange Bank Services

Sejak tahun 2017, Bank Victoria mulai beroperasi sebagai Since 2017, Bank Victoria has been operating as a foreign
bank devisa, dengan menjalankan layanan ini di kantor exchange bank, and running this services in its branch
cabangnya. offices.

Total Rekening Dana Pihak Ketiga Layanan Bank Devisa

Total Third-Party Accounts for Foreign Exchange Bank Services

(%) (%) (%)
Giro 549 57.67 391 62.16 40.41 Demand Deposits
Berjangka 403 42.33 238 37.84 69.33 Time Deposits
Total 952 100.00 629 100.00 51.35 Total
Total rekening dana pihak ketiga dari layanan bank Total accounts of third-party funds from foreign exchange
devisa di tahun 2019 mencapai 952 unit rekening, naik bank services in 2019 reached 952 accounts, increased
51,35% dibanding tahun 2018 sebesar 629 unit rekening. by 51.35% compared to that of 2018 of 629 accounts. The
Kenaikan tersebut disebabkan oleh naiknya rekening giro increase was caused by the increase in demand deposits
dan berjangka yang masing-masing meningkat sebesar and time deposits accounts, by 40.41% and 69.33%,
40,41% dan 69,33%. respectively.
Total Dana Pihak Ketiga Layanan Bank Devisa

Total Third-Party Funds for Foreign Exchange Bank Services

(%) (%) (%)
Berjangka 561,428 84.38 231,598 75.92 142.41 Time Deposits
Total 665,394 100.00 305,037 100.00 118.14 Total
Total dana pihak ketiga layanan bank devisa tahun Total third-party deposits from foreign exchange bank
2019 tercatat sebesar Rp665,39 miliar, naik 118,14% services in 2019 amounted to Rp665.39 billion, an increase
dibandingkan dengan tahun 2018 sebesar Rp305,04 of 118.14% compared to that of 2018 of Rp305.04 billion.
miliar. Peningkatan tersebut berasal dari meningkatnya The increase came from the increase in demand deposits
giro dan berjangka masing-masing sebesar 41,57% dan and time deposits by 41.57% and 142.41%, respectively, in
142,41% pada tahun 2019. 2019.
2. Segmen Syariah 2. Sharia Segment

Bank Victoria Syariah adalah segmen bisnis syariah yang Bank Victoria Syariah is a sharia business segment run by
dijalankan oleh Entitas Anak dari Bank Victoria. Sama halnya a Subsidiary of Bank Victoria. Similar to the conventional
dengan segmen konvensional, segmen syariah memiliki segment, sharia segment has products and services in the
produk dan jasa berupa simpanan, produk pinjaman, dan jasa forms of savings, loans, and services.
layanan.
a. Penghimpunan Dana (Simpanan) a. Funding (Savings)
Produk simpanan di Bank Victoria Syariah terdiri dari Savings products at Bank Victoria Syariah consist of third-
dana pihak ketiga yang dihimpun dari berbagai produk party deposits, which are collected from various savings,
tabungan, giro, dan deposito yang dijalankan dengan demand deposits, and time deposits products, which are
prinsip-prinsip perbankan syariah. conducted under the principles of Islamic banking.

Total Rekening Dana Pihak Ketiga – Syariah

Total Accounts of Third-Party Deposits - Sharia

(%) (%) (%)
Mudharabah Savings
Tabungan Mudharabah
Accounts
Total Tabungan Total Mudharabah

3,078 77.10 3,860 79.98 (20.26)
Mudharabah Savings Accounts
Mudharabah Demand
Giro Mudharabah
Deposits
Pihak Ketiga 296 7.41 252 5.22 17.46 Third Parties
Pihak Berelasi 5 0.13 3 0.06 66.67 Related Parties
Total Mudharabah
Total Giro Mudharabah 301 7.54 255 5.28 18.04
Demand Deposits
1 bulan 336 8.42 444 9.20 (24.32) 1 month
3 bulan 105 2.63 151 3.13 (30.46) 3 months
6 bulan 124 3.11 94 1.95 31.91 6 months
12 bulan 48 1.20 22 0.46 118.18 12 months
Total Deposito Berjangka 613 15.36 711 14.73 (13.78) Total Time Deposits
Total Dana Pihak Ketiga 3,992 100.00 4,826 100.00 (17.28) Total Third Party Funds

Total rekening dana pihak ketiga segmen syariah pada Total accounts of third-party funds of sharia segment
tahun 2019 tercatat sebesar 3.992 unit rekening, turun in 2019 was recorded at 3,992 accounts, a decrease of
17,28% atau sebanyak 834 unit rekening dibandingkan 17.28% or 834 accounts compared to that of 2018 of
tahun 2018 sebesar 4.826 unit rekening. Rekening 4,826 accounts. Mudharabah savings accounts in total
tabungan mudharabah secara total mengalami decreased by 20.26% or as many as 782 accounts. Time
penurunan sebesar 20,26% atau sebanyak 782 unit deposits also decreased by 13.78% or 98 accounts.
rekening. Deposito berjangka juga menurun sebanyak However, demand deposits increased by 18.04% from 255
13,78% atau 98 unit rekening. Namun, giro mengalami accounts in 2018 to 301 accounts in 2019.
peningkatan sebanyak 18,04% dari 255 unit rekening di
2018 menjadi 301 unit rekening di 2019.
Total Dana Pihak Ketiga - Syariah

Total Third-Party Deposits - Sharia

(%) (%) (%)
Mudharabah Savings
Tabungan Mudharabah
Accounts
Total Tabungan Total Mudharabah

49,927 2.96 54,066 3.47 (7.65)
Mudharabah Savings Accounts
Mudharabah Demand
Giro Mudharabah
Deposits
Pihak Ketiga 335 0.02 4,866 0.31 (93.11) Third Parties
Total Mudharabah
Total Giro Mudharabah 335 0.02 4,866 0.31 (93.11)
Demand Deposits


(%) (%) (%)
1 bulan 499,942 29.62 703,045 45.13 (28.89) 1 month
3 bulan 298,183 17.67 419,482 26.93 (28.92) 3 months
6 bulan 562,313 33.32 264,371 16.97 112.70 6 months
12 bulan 276,990 16.41 111,890 7.18 147.56 12 months
Total Deposito Berjangka 1,637,428 97.02 1,498,788 96.22 9.25 Total Time Deposits

Total Dana Pihak Ketiga 1,687,690 100.00 1,557,720 100.00 8.34 Total Third Party Funds
Total dana pihak ketiga - Syariah pada tahun 2019 tercatat Total third-party funds - Sharia in 2019 amounted to
sebesar Rp1,69 triliun, naik 8,34% dibanding tahun 2018 Rp1.69 trillion, an increase of 8.34% compared to that of
sebesar Rp1,56 triliun. Kenaikan tersebut khususnya 2018 of Rp1.56 trillion. The increase was mainly caused
disebabkan oleh naiknya deposito berjangka sebesar 9,25% by the increase in time deposits by 9.25% from Rp1.50
dari Rp1,50 triliun menjadi Rp1,64 triliun dengan memberikan trillion to Rp1.64 trillion by giving the largest contribution
kontribusi terbesar yaitu 97,02% pada tahun 2019. of 97.02% in 2019.
b. Penyaluran Dana (Pinjaman) b. Lending (Loans)

Produk pinjaman merupakan pembiayaan atau Loan products are credit financing or provision by
pemberian kredit oleh Perseroan kepada pihak ketiga, the Company to third parties, either individual or
baik perorangan maupun perusahaan. corporate.
Tabel Produk Pembiayaan

Table of Financing Products

(%) (%) (%)
UMKM 295,415 23.99 249,566 20.21 18.37 MSME
Usaha Mikro 405 0.03 419 0.03 (3.35) Micro Business
Usaha Kecil 13,909 1.13 18,493 1.50 (24.79) Small Business
Usaha Menengah 281,101 22.82 230,654 18.68 21.87 Medium Business
Non-UMKM 936,199 76.01 985,005 79.79 (4.95) Non-MSME
Total 1,231,614 100.00 1,234,571 100.00 (0.24) Total
Produk pembiayaan segmen syariah terbagi antara Financing products of sharia segment are divided
UMKM dan non-UMKM. Produk pembiayaan pada tahun between MSME and non-MSME. Financing products
2019 tercatat sebesar Rp1,23 triliun, turun 0,24% atau in 2019 were recorded at Rp1.23 trillion, a decreased
Rp2,96 miliar dibanding tahun 2018 sebesar Rp1,23 triliun. of 0.24% or Rp2.96 billion compared to that of 2018
Pembiayaan produk non-UMKM mendominasi penurunan of Rp1.23 trillion. Financing of non-MSME products
sebesar 4,95%, sedangkan pembiayaan UMKM masih dominated the decrease by 4.95%, while financing of
mencatatkan kenaikan sebesar 18,37%. MSME still recorded an increase of 18.37%.
c. Layanan Keuangan c. Financial Services

Bank Victoria Syariah memberikan berbagai layanan Bank Victoria Syariah provides various supporting
penunjang yang bertujuan untuk memudahkan nasabah services aiming at facilitating customers in conducting
dalam melakukan transaksi perbankan. banking transactions.

Jasa Layanan
Services

(%) (%) (%)
Bank Garansi 2,532 100.00 2,532 100.00 0.00 Bank Guarantee
Total 2,532 100.00 2,532 100.00 0.00 Total
Jasa layanan syariah tahun 2019 mencapai Rp2,53 miliar, Sharia services in 2019 reached Rp2.53 billion, not
tidak mengalami kenaikan atau penurunan dibandingkan increasing nor decreasing compared to that of 2018,
tahun 2018 yang juga tercatat sebesar Rp2,53 miliar. Hal which was also Rp2.53 billion. This was due to the balance
tersebut diakibatkan karena tidak bertambahnya saldo of sharia services did not increase.
layanan syariah.
Kinerja Jaringan Kantor dan Karyawan Performance of Office Network and

Employee
Sesuai dengan misi Bank Victoria yaitu mengembangkan sumber In accordance with Bank Victoria's mission to develop professional,
daya manusia yang profesional, berprinsip dan berdedikasi untuk principled, and dedicated human resources to provide services
memberikan layanan serta memenuhi kebutuhan nasabah. Bank and meet customer needs, the Bank always strives to maintain
selalu berupaya menjaga komposisi karyawan dengan baik. employee composition properly.
Jaringan Kantor
Office Network
(dalam unit, kecuali dinyatakan lain / in unit, unless stated otherwise)

Jenis Kantor 2019 Composition 2018 Composition Growth Types of Office
(%) (%) (%)
Kantor Pusat 1 1.16 1 1.09 0.00 Head Office
Kantor Cabang 14 16.28 12 13.04 16.67 Branch Offices
Kantor Cabang Pembantu 63 73.26 65 70.65 (3.08) Sub-branch Offices
Jaringan Kantor Lain (Kantor Other Office Network (Cash

Kas, Payment Point, dan 8 9.30 14 15.22 (42.86) Office, Payment Point, and
lainnya) others)
Total 86 100.00 92 100.00 (6.52) Total
Jaringan Kantor
Office Network
(dalam unit/ in unit)
65
63
14 14
12 8
1 1
2018 2019 2018 2019 2018 2019 2018 2019

Kantor Pusat Kantor Cabang Kantor Cabang Pembantu Jaringan Kantor Lain
Head Office Branch Office Sub-branch Offices (Kantor Kas, Payment Point, dan lainnya)
Other Office Network
(Cash Office, Payment Point, others)

Pada tahun 2019, kinerja total kantor Bank Victoria, pada tahun In 2019, the total performance of Bank Victoria's offices,
2019, masing-masing total kantor cabang, cabang pembantu, consisting of total branch offices, sub-branch offices, and other
dan jaringan kantor lain (kantor kas, payment point, dan lainnya) office networks (cash offices, payment points, etc.) was 14, 63,
sebanyak 14, 63, dan 8. Sedangkan, pada tahun 2018, masing- and 8, respectively. While in 2018, they were as many as 12, 65,
masing sebanyak 12, 65, dan 14. Penurunan ini menunjukan upaya and 14, respectively. This decrease shows the Bank's efforts to
Bank dalam meningkatkan efisiensi cabang. improve branch efficiency.
Sedangkan, untuk total karyawan Bank sebanyak 1.014 orang, Whereas, the Bank's total employees was of 1,014 people, a
turun dibandingkan tahun sebelumnya yang mencapai 1.044 decrease compared to that of previous year, which reached 1,044
orang. Penurunan ini disebabkan oleh adanya karyawan yang people. This decrease was caused by employees who resigned
resign dan pensiun. and retired.
Pendapatan dan Profitabilitas Revenue and Profitability

Segmen operasi Bank Victoria dibagi berdasarkan segmen usaha Bank Victoria's operating segments are divided by business
yang terdiri dari konvensional yaitu Bank Victoria dan syariah segments consisting of conventional segment, which is Bank
yaitu Bank Victoria Syariah. Kinerja dari masing-masing segmen Victoria, and sharia segment, which is Bank Victoria Syariah. The
usaha tersebut diuraikan sebagai berikut. performance of each business segment is described as follows.
Segmen Usaha
Business Segment
Konvensional Syariah Eliminasi

Uraian Total Description
Conventional Sharia Elimination
2019
Pendapatan Bunga dan Syariah - Neto 220,045 49,103 - 269,148 Interest and Sharia Income - Net
Pendapatan Operasional Lainnya 358,576 4,477 (898) 362,155 Other Operating Income
Beban Operasi Lainnya (595,125) (53,232) 0 (648,357) Other Operating Expenses
(Rugi)/ Laba Operasional (16,503) 348 (898) (17,054) (Loss)/Income From Operations
Total Aset 28,547,933 2,262,326 (353,800) 30,456,459 Total Assets
Total Liabilitas 25,562,423 220,392 (501) 25,782,314 Total Liabilities
2018
Pendapatan Bunga dan Syariah - Neto 398,606 60,724 - 459,331 Interest and Sharia Income - Net
Pendapatan Operasional Lainnya 382,524 1,354 (4,989) 378,889 Other Operating Income
Beban Operasi Lainnya (685,192) (55,860) 0 (741,052) Other Operating Expenses
(Rugi)/ Laba Operasional (95,939) 6,218 (4,988) 97,168 (Loss)/Income From Operations
Total Aset 28,348,692 2,126,062 (302,439) 30,172,315 Total Assets
Total Liabilitas 25,531,531 277,093 (54) 25,808,570 Total Liabilities
Pertumbuhan (%)
Growth (%)
Pendapatan Bunga dan Syariah - Neto (44.80) (19.14) - (41.40) Interest and Sharia Income - Net
Pendapatan Operasional Lainnya (6.26) 230.73 (82.00) (4.42) Other Operating Income
Beban Operasi Lainnya (13.14) (4.71) - (12.51) Other Operating Expenses
(Rugi)/ Laba Operasional (117.20) (94.41) (82.00) (117.55) (Loss)/Income From Operations
Total Aset 0.70 6.41 16.98 0.94 Total Assets
Total Liabilitas 0.12 (20.46) 825.57 (0.10) Total Liabilities

Pada tahun 2019, pendapatan bunga dan syariah neto segmen In 2019, net interest and sharia income of conventional segment
konvensional mencapai Rp220,05 miliar, turun 44,80% reached Rp220.05 billion, a decrease of 44.80% compared to that
dibandingkan dengan tahun 2018 mencapai Rp398,61 miliar. of 2018 of Rp398.61 billion. Meanwhile, net interest and sharia
Sedangkan, pendapatan bunga dan syariah neto segmen syariah income of sharia segment reached Rp49.10 billion, a decrease of
mencapai Rp49,10 miliar, turun 19,14% dibandingkan dengan 19.14% compared to that of 2018 of Rp60.72 billion.
tahun 2018 yang mencapai Rp60,72 miliar.
Dari sisi pendapatan operasional lainnya, segmen konvensional In terms of other operating income, the conventional segment
pada tahun 2019 mencapai Rp358,58 miliar, turun 6,26% in 2019 reached Rp358.58 billion, a decrease of 6.26% compared
dibandingkan dengan tahun 2018 mencapai Rp382,52 miliar. to that of 2018 of Rp382.52 billion. Meanwhile, other operating
Sedangkan, pendapatan operasional lainnya segmen syariah income of sharia segment reached Rp4.48 billion, an increase of
mencapai Rp4,48 miliar, naik 230,73% dibandingkan dengan 230.72% compared to that of 2018 of Rp1.35 billion.
tahun 2018 yang mencapai Rp1,35 miliar
Dari segi profitabilitas, terjadi penurunan pada segmen In terms of profitability, there was a decrease in the conventional
konvensional dan syariah karena mengalami kerugian masing- and sharia segments due to losses of 117.20% and 94.41%,
masing sebesar 117,20% dan 94,41%. Hal ini diakibatkan oleh respectively. This was caused by the amount of other operating
besarnya beban operaional lainnya apabila dibandingkan dengan expenses when compared with interest and sharia income and
pendapatan buga dan syariah serta pendapatan operasi lainnya other operating income in 2019.
pada tahun 2019.
Walaupun profitabilitas pengalami kerugian, total aset dan Even though the profitability experienced loss, the total assets
liabilitas di segmen konvensional per akhir 2019 mengalami and liabilities in conventional segment at the end of 2019
kenaikan masing-masing sebesar 0,70% atau Rp199,24 miliar dan increased by 0.70% or Rp199.24 billion and 0.12% or Rp30.89
0,12% atau Rp30,89 miliar. Sementara itu, di segmen syariah, aset billion, respectively. Meanwhile, in sharia segment, assets
meningkat 6,41%, namun liabilitas menurun sebesar 20,46% di increased by 6.41%, but liabilities decreased by 20.46% in 2019.
tahun 2019.
Segmen Geografis
Geographic Segment
Jawa
Jadetabek
Tengah dan
Jakarta, Luar Jawa
Jawa Barat Jawa Timur
Uraian Depok, Outside Total Description
West Java Central
Tangerang, Java
Java and
Bekasi
East Java
2019
Pendapatan Bunga dan Syariah Interest and Sharia Income

296,831 (21,323) 6,989 (13,348) 269,148
– Neto - Net
Beban Penyisihan Kerugian Provision of Allowance for

Penurunan Nilai Aset Keuangan (204,289) (250) (18,473) (2,555) (225,566) Impairment Losses on Financial
dan Non-Keuangan and Non-Financial Assets
Pendapatan Operasional
360,297 370 1,111 377 362,155 Other Operating Income
Lainnya
General and Administration

Beban Umum dan Administrasi,
(374,759) (19,273) (15,414) (13,345) (422,791) Expenses, Personnel, and
Tenaga Kerja, dan Lain-Lain
Others
Laba Operasional 78,081 (40,475) (25,788) (28,871) (17,054) Income from Operations
Pendapatan Non Operasional

(8,676) 461 179 365 (7,672) Non-Operating Income - Net
- Neto
Laba Sebelum Pajak

69,405 (40,015) (25,609) (28,507) (24,725) Income Before Income Tax
Penghasilan
Beban Pajak Penghasilan 10,961 - - - 10,961 Income Tax Expenses
Laba Tahun Berjalan 80,366 (40,015) (25,609) (28,507) (13,764) Income For The Year
Total Aset 29,303,269 394,411 467,807 290,972 30,456,459 Total Assets
Total Liabilitas 23,473,107 569,243 720,293 1,019,671 25,782,314 Total Liabilities

Jawa
Jadetabek
Tengah dan
Jakarta, Luar Jawa
Jawa Barat Jawa Timur
Uraian Depok, Outside Total Description
West Java Central
Tangerang, Java
Java and
Bekasi
East Java
2018

458,057 (15,201) 4,890 11,584 459,331
– Neto - Net

Penurunan Nilai Aset Keuangan (326,524) (20) (984) (1,247) (328,774) Impairment Losses on Financial
376,447 337 1,954 151 277,296 Other Operating Income
Lainnya

381,035) (11,691) (11,499) (8,053) (412,278) Expenses, Personnel, and
Others
Laba Operasional 126,946 (26,575) (5,638) 2,435 97,168 Income from Operations

(3,737) (133) 60 1 (3,808) Non-Operating Income - Net
- Neto
Laba Sebelum Pajak

123,209 (26,707) (5,578) 2,436 93,360 Income Before Income Tax
Penghasilan
Beban Pajak Penghasilan (14,278) - - - (14,278) Income Tax Expenses
Laba Tahun Berjalan 108,931 (26,707) (5,578) 2,436 79,082 Income For The Year
Total Aset 29,197,046 180,721 550,652 243,896 30,172,315 Total Assets
Total Liabilitas 24,573,794 490,993 590,334 153,450 25,808,570 Total Liabilities
Pertumbuhan (%)
Growth (%)

(35.20) 40.27 42.91 (215.23) (41.40)
– Neto - Net

Penurunan Nilai Aset Keuangan (37.44) 1,165.65 1,777.74 104.86 (31.39) Impairment Losses on Financial
(4.29) 9.75 (43.16) 149.97 (4.42) Other Operating Income
Lainnya

(1.65) 64.85 34.05 65.72 2.55 Expenses, Personnel, and
Others
Laba Operasional (38.49) 52.31 357.37 (1,285.51) (117.55) Income from Operations

132.16 (446.87) 195.90 32,613.18 101.45 Non-Operating Income - Net
- Neto
Laba Sebelum Pajak

(43.67) 49.83 359.12 (1,270.00) (126.48) Income Before Income Tax
Penghasilan
Beban Pajak Penghasilan (176.77) - - - (176.77) Income Tax Expenses
Laba Tahun Berjalan (26.22) 49.83 359.12 (1,270.00) (117.41) Income For The Year
Total Aset 0.36 118.24 (15.04) 19.30 0.94 Total Assets
Total Liabilitas (4.48) 15.94 22.01 564.50 (0.10) Total Liabilities
Segmen geografis Bank Victoria dan Entitas Anak dibagi menjadi The geographic segment of Bank Victoria and Subsidiaries is
empat, yakni: Jadetabek, Jawa Barat, Jawa Tengah dan Jawa Timur, divided into four, which are: Jadetabek, West Java, Central and East
dan Luar Jawa. Pertimbangan untuk membagi operasi bisnisnya Java, and Outside Java. Considerations for dividing its business
menjadi empat segmen geografis ini didasarkan pada kondisi operations into four geographical segments are based on different
lingkungan yang berbeda di setiap wilayah ekonomi tersebut, yang environmental conditions in each of these economic regions, which
disertai dengan jenis risiko dan peluang yang berbeda pula. are accompanied by different types of risks and opportunities.

Dari segi pendapatan bunga dan syariah – neto, wilayah Jawa In terms of interest and sharia income - net, the regions of Central
Tengah dan Jawa Timur mencatatkan pertumbuhan yang Java and East Java recorded the largest growth, reaching 42.91%
paling besar, yaitu mencapai 42,91% atau setara dengan Rp2,10 or equivalent to Rp2.10 billion from Rp4.89 billion to Rp6.99 billion
miliar dari Rp4,89 miliar menjadi Rp6,99 miliar pada tahun 2019. in 2019. This achievement resulted in a profitability of 359.12%.
Pencapaian ini mengakibatkan profitabilitas sebesar 359,12%.
Namun demikian, terdapat penurunan pendapatan bunga dan However, there was a decrease in interest and sharia income - net
syariah – neto di wilayah Jadetabek sebesar Rp161,23 miliar atau in Jadetabek region by Rp161.23 billion or 35.20% from Rp458.06
atau 35,20% dari Rp458,06 miliar menjadi Rp296,83 miliar pada billion to Rp296.83 billion in 2019. Despite the decline in Jadetabek
tahun. 2019. Walaupun mengalami penurunan wilayah Jadetabek region, it still dominated the interest and sharia income - net.
masih mendominasi pendapatan bunga dan syariah – neto.
Keempat segmen geografis ini mencatat kenaikan yang beragam These four geographical segments recorded diverse increases
nilainya pada total aset dan liabilitas masing-masing, dengan in value in their respective total assets and liabilities, with the
kenaikan aset tertinggi berdasarkan persentase terjadi di jawa Barat highest increase in assets by percentage occurring in West
sebesar 118,24% atau setara dengan Rp213,69 miliar. Sementara itu, Java by 118.24% or equivalent to Rp213.69 billion. Meanwhile, the
kenaikan liabilitas terbesar terjadi di wilayah Jawa Tengah dan Timur largest increase in liabilities occurred in Central and East Java
sebesar Rp 129,96 miliar atau setara dengan 22,01%. regions by Rp129.96 billion, or equivalent to 22.01%.
Prospek Usaha 2020 Business Prospect in 2020

Ekonomi baik global maupun domestik diproyeksikan akan lebih The global and domestic economies are projected to be better
baik pada tahun 2020 dibandingkan dengan tahun 2019, yang in 2020 compared to those of 2019, which are supported by
ditopang oleh perbaikan pertumbuhan ekonomi di negara-negara improving economic growth in developing countries. Meanwhile,
berkembang. Sementara itu, konsumsi rumah tangga yang masih maintained household consumption, increased investment
terjaga, meningkatnya pertumbuhan investasi, serta kebijakan BI growth, and accommodative BI and Government policies are
dan Pemerintah yang akomodatif diproyeksikan akan menopang projected to sustain national economic growth in 2020, including
pertumbuhan ekonomi nasional pada tahun 2020, termasuk juga the banking industry. Bank Indonesia estimates that credit and
industri perbankan. Bank Indonesia memperkirakan pertumbuhan DPK growth will grow moderately by 10.00% - 12.00% and 8.00% -
kredit dan DPK akan tumbuh moderat sebesar masing-masing 10.00%, respectively.
10,00% - 12,00% dan 8,00% - 10,00%.
Industri perbankan tengah berupaya untuk membidik lebih banyak The banking industry is trying to target more groups in lending,
golongan dalam penyaluran kredit, salah satunya segmen usaha one of which is the micro, small, and medium enterprises (MSME)
mikro, kecil dan menengah (UMKM) yang juga merupakan sasaran segment, which is also the target of Bank Victoria. Based on
dari Bank Victoria. Berdasarkan data dari Kementerian Koperasi data from the Ministry of Cooperatives and SME, the total MSME
dan UKM, total UMKM dari tahun ke tahun diproyeksikan akan is projected to keep increasing from year to year in line with the
terus mengalami kenaikan sejalan dengan terus dicanangkannya government's planned MSME empowerment program.
program pemberdayaan UMKM oleh pemerintah.
Proyeksi kenaikan UMKM di indonesia juga didukung pernyataan MSME’s projected increase in Indonesia is also supported by the
laporan Doing Business 2019 yang dikeluarkan oleh World Bank. 2019 Doing Business report issued by the World Bank. The report
Laporan tersebut menunjukkan bahwa indeks kemudahan shows that the index of ease of doing business in Indonesia
berusaha di Indonesia meningkat indeks Indonesia naik tipis 1,42 increased slightly by 1.42 to 67.96 compared to that of previous
menjadi 67,96 dibandingkan tahun sebelumnya dan membawa year and brought Indonesia to the 73rd rank.
indonesia di peringkat 73.
Optimisme pemulihan ekonomi global pada akhir tahun 2019 The optimism of global economic recovery at the end of 2019 was
harus terhambat setelah Corona Virus Disease (COVID-19) hampered after the Corona Virus Disease (COVID-19) pressured
menekan perekonomian Tiongkok, setidaknya pada triwulan I the Chinese economy, at least in the first quarter of 2020. The
2020. Peran ekonomi Tiongkok di perekonomian global yang role of the Chinese economy in the large global economy also
besar juga memengaruhi perekonomian Indonesia. Aliran affects the Indonesian economy. Foreign capital inflows into the
masuk modal asing ke pasar keuangan domestik berkurang domestic financial market were reduced in line with adjustments
sejalan dengan penyesuaian penempatan dana asing ke negara to the placement of foreign funds to developing countries and
berkembang dan sempat memberikan tekanan pada nilai tukar put pressure on Rupiah exchange rate. The role of China to the
Rupiah. Peran Tiongkok terhadap perekonomian Indonesia Indonesian economy through tourism, exports, and investment is
melalui jalur pariwisata, ekspor, dan investasi diperkirakan akan expected to affect the outlook for Indonesia's economy in 2020.
memengaruhi prospek perekonomian Indonesia tahun 2020. Bank Indonesia estimates that world economic growth in 2020

Bank Indonesia memperkirakan pertumbuhan ekonomi dunia will be 3.0%, lower than the previous projection of 3.1%, and then
pada 2020 sebesar 3,0%, lebih rendah dari proyeksi sebelumnya will increase in 2021. For the forecast of Indonesia's economic
sebesar 3,1%, dan kemudian meningkat pada tahun 2021. Untuk growth in 2020, Bank Indonesia also revised from 5.1-5.5% to 5.0-
perkiraan pertumbuhan ekonomi Indonesia tahun 2020, Bank 5.4%.
Indonesia juga melakukan revisi dari 5,1-5,5% menjadi 5,0-5,4%.
Dalam rangka menangkap peluang yang ada, Bank Victoria telah In order to seize existing opportunities, Bank Victoria has
menyiapkan beberapa strategi yang tertuang dalam kebijakan prepared a number of strategies contained in the management
manajemen dan strategi pengembangan bisnis tahun 2020-2022. policies and business development strategies for 2020-2022. To
Kedepannya, Bank Victoria juga akan menyiapkan strategi untuk the future, Bank Victoria will also prepare a strategy to monitor and
memantau dan mengatasi dampak negatif dari pandemi global overcome the negative impact of the COVID-19 global pandemic
COVID-19 terhadap proses operasional dan pengembangan bisnis. on its operational processes and business development.
Sumber: Source:
• Laporan Doing Business 2019, World Bank. • Doing Business 2019 Report, World Bank.
• Tinjauan Kebijakan Moneter Bank Indonesia, Januari 2020. • Bank Indonesia Monetary Policy Overview, January 2020.
• Tinjauan Kebijakan Moneter Bank Indonesia, Triwulan IV 2019. • Bank Indonesia Monetary Policy Overview, Quarter IV 2019
Strategi dan Rencana Kerja 2020 Strategy and Work Plan 2020
Meskipun celah pertumbuhan industri perbankan tahun 2019 Even though the banking industry's growth gap in 2019 was under
dalam tekanan ekonomi makro, Bank akan tetap menjaga macro economic pressure, the Bank will continue to maintain
pertumbuhan dan kinerja usaha yang lebih baik. Di tahun 2020, better business growth and performance. In 2020, business must
bisnis tetap harus tumbuh dengan kualitas yang lebih baik dengan continue to grow with better quality, which is supported by the
ditopang oleh efektivitas proses kerja, baik dari aspek pendukung effectiveness of the work process both from the supporting
maupun dari aspek bisnis agar proses kerja menjadi lebih cepat, aspects and from the business aspects so that the work process
efisien tanpa mengabaikan prinsip kehatian-hatian. Untuk becomes faster and more efficient without neglecting the
mencapai hal tersebut Bank memiliki beberapa target jangka prudential principle. To achieve this matter , the Bank has several
pendek yang telah ditetapkan sebagai berikut. short-term targets that have been set as follows.
Strategi Jangka Pendek Short-Term Strategies

1. Jaringan Kantor 1. Office Network
Di tahun 2020, Bank masih akan membuka cabang baru di In 2020, the Bank will continue to open new branches in
kota-kota yang potensial dan mengoptimalkan jaringan kantor potential cities and optimize office network by increasing the
dengan peningkatan status kantor serta merelokasi atau office status and relocating or closing cash offices that are
melakukan penutupan kantor kas yang saat ini dinilai tidak currently considered non-productive or not in accordance
produktif ataupun tidak sesuai dengan target market yang with the target market that has been determined by the Bank.
sudah dicanangkan oleh Bank.
2. Peningkatan Fee Based Income 2. Improvement of Fee Based Income

Secara perlahan namun pasti, Bank Victoria di tahun lalu telah Consistently, Bank Victoria has strengthened and will
dan akan terus memperkuat struktur organisasi bisnis, serta continue to strengthen the business organization structure,
meluncurkan produk-produk untuk meningkatkan perolehan and launches products to increase operational income in line
pendapatan operasional sejalan dengan meningkatnya with the increase in fee-based income, especially through
penerimaan fee based income, terutama melalui produk dan new products and activities to customers.
aktivitas baru kepada nasabah.
3. Pengembangan Produk dan Aktivitas Baru 3. New Product Development and Activity
Pengembangan produk dan aktivitas baru di tahun 2020 New product development and activities in 2020 include Digital
meliputi Digital Opening Account, QR Indonesian Standard Opening Accounts, Indonesian QR Indonesian Standard (QRIS),
(QRIS), E-Money (White Label – Cobrand) dan Bank Administrator E-Money (White Label - Cobrand), and RDN Bank Administrator
RDN sebagai pengembangan produk baru, serta penambahan as new product development, as well as additional mutual fund
kerjasama reksadana manajer investasi, relokasi mobil kas investment manager collaboration, relocation of mobile cash
keliling, kerja sama bank persepsi dan penambahan 5 (lima) vehicles, cooperation of perception bank and addition of 5 (five)
cabang untuk delivery channel dengan BVIS sebagai aktivitas branches for delivery channel with BVIS as a new activity. These
baru. Pengembangan aktivitas dan produk baru tersebut untuk new product development and activities are to support the
mendukung ekspansi bisnis khususnya kepada retail banking. business expansion, especially in retail banking.

Pengembangan aktivitas dan produk tersebut sudah menjadi The development of these activities and products has become
keharusan bagi Bank Victoria untuk menjadi one stop solution a necessity for Bank Victoria to become a one-stop solution
untuk dapat memenuhi kebutuhan nasabah Bank Victoria. to meet Bank Victoria’s customer needs. Competition related
Persaingan terkait layanan perbankan yang lengkap sudah sejak to complete banking services has long been developed by
lama dikembangkan oleh Bank-Bank pesaing. Selain selalu the competing Banks. In addition to always maintaining the
mempertahankan mutu layanan perbankan, Bank Victoria juga quality of banking services, Bank Victoria is also committed
berkomitmen untuk meningkatkan keamanan perbankan. to improving banking security.
4. Memperbaiki Kualitas DPK 4. Improving Third-Party Deposits (DPK) Quality

Mengurangi ketergantungan DPK kepada deposan inti, Reducing dependence of DPK on core depositors, even
walaupun deposan inti Bank Victoria termasuk deposan though Bank Victoria's core depositors are loyal depositors.
yang loyal. Untuk itu, porsi deposan retail harus bertumbuh. Therefore, the portion of retail depositors must grow. Savings
Rasio Tabungan dan Giro (CASA) juga harus ditingkatkan, and Demand Deposits (CASA) ratios must also be increased,
mengingat Bank sudah memiliki fitur Internet Banking dan considering that the Bank already has Internet Banking and
Mobile Banking (IBMB) dan Internet Banking Business (ViBiz) Mobile Banking (IBMB) and Internet Banking Business (ViBiz)
serta pengenalan produk-produk tabungan baru. features, as well as the introduction of new savings products.
Dalam upaya program presentasi Office to Office (OTO) In order for Office to Office (OTO) program presentation to
untuk mendapatkan pay-roll account harus berjalan secara obtain a pay-roll account, it must run continuously with
berkesinambungan dengan partisipasi dari seluruh cabang. participation from all branch offices. Similarly, the cross-
Begitu pun juga proses cross-selling oleh pimpinan cabang selling process by branch managers to depositors, to actively
terhadap deposan untuk aktif dalam penggunaan fitur IBMB use IBMB and ViBiz features, can encourage an increase in
dan ViBiz dapat mendorong peningkatan porsi tabungan di savings portion at Bank Victoria.
Bank Victoria.
5. Pengembangan Segmentasi Kredit UKM dan Komersial 5. Development of SME and Commercial Loans Segmentation
Pada tahun 2020, bank akan melakukan fokus pengembangan In 2020, the Bank will focus on development of SME and
kredit UKM dan Komersil. Pengembangan bisnis perseroan Commercial Loans. The Company's business development in
tahun 2020 diarahkan pada pengembangan bisnis ritel, secara 2020 is directed at developing the retail business, particularly
khusus pada segmen UKM untuk memperkuat struktur dan SME segment, to strengthen the structure and distribution of
sebaran portofolio serta peningkatan Net Interest Margin (NIM). portfolio and to increase Net Interest Margin (NIM).
Upaya-upaya yang akan terus dilakukan adalah: Other efforts which will continue to be worked on are:
a. Menilai, memetakan dan mengembangkan peran a. Evaluating, mapping, and developing the role of
Relationship Officer (RO); Relationship Officer (RO);
b. Mengadakan program pelatihan Officer Development b. Organizing Officer Development Program (ODP) training
Program (ODP); program;
c. Fokus ekpansi kredit difokuskan pada segmen bisnis c. Focusing on credit expansion of leading business
unggulan di masing-masing cabang/wilayah dengan segments in each branch/territory by considering
memperhatikan potensi dan perkembangan ekonomi the potential and the regional and national economic
daerah dan nasional; dan development.
d. Mengkaji ulang proses kredit dan mengembangkan d. Re-assessing loan process and redeveloping the
kembali Standard Operating Procedure (SOP). Standard Operating Procedure (SOP).
Strategi Jangka Menengah Medium-Term Strategies

Pada target jangka menengah (2020-2022), Bank masih akan tetap For medium-term targets (2020-2022), the Bank will still maintain
memelihara pertumbuhan dan kinerja usaha yang positif namun positive business growth and performance and will conduct
dengan melakukan beberapa aktivitas-aktivitas fundamental several fundamental activities in order to further enhance
guna lebih meningkatkan daya saing Bank di industri perbankan the Bank’s competitiveness in the banking Industry today and
yang ada saat ini maupun kedepannya. Adapun beberapa target tomorrow. Some of the medium-term targets set by the Bank are:
jangka menengah yang telah ditetapkan oleh Bank yaitu:
1. Jaringan Kantor 1. Office Network

Untuk ekspansi jaringan kantor, target jangka menengah To expand its office network, Bank Victoria’s medium-term
paling tidak Bank Victoria dapat beroperasi di 10 provinsi, target is at least operating in 10 provinces, in addition to
selain membentuk beberapa kantor dan ekspansi jaringan- establishing several offices and expanding office networks
jaringan kantor yang menginduk pada wilayah-wilayah baru that are branched into these new areas. Through banking
tersebut. Melalui pengembangan teknologi perbankan yakni technology development, the Internet Banking and Mobile
layanan Internet Banking dan Mobile Banking dan Internet Banking and Internet Banking Business (ViBiz) services serve

Banking Business (ViBiz) sebagai perpanjangan tangan Bank as an extension of the Bank in expanding office network
dalam memperluas cakupan jaringan kantor. coverage.
2. Peningkatan Kontribusi Pendapatan Provisi, Komisi dan Fee 2. Increasing Contribution of Provisional Income, Commission,
Based Income and Fee-Based Income
Transformasi Bank masa depan adalah dari Bank yang Future bank transformation means from a bank that depends
bergantung kepada hasil bunga menuju bergantung kepada on interest income to a bank that depends in interest and
hasil bunga dan fee based menjadi Bank yang bergantung fee-based income, then to a bank that depends on interest,
kepada hasil bunga, fee based dan pendapatan transaksional. fee-based income, and transactional revenue, through
Melalui peningkatan transaksi ekspor dan impor, valuta asing the escalation in export and import transaction, foreign
di tahun 2018, transaksi pembayaran tagihan listrik, telepon, exchange in 2018, electricity bill, telephone bill, and tax
pajak, penjualan produk bancassurance, layanan internet payment transactions, sales of bancassurance products,
banking dan mobile banking. internet banking and mobile banking services.
3. Fokus pada Pengembangan/Ekspansi Kredit UKM dan 3. Focusing on Development/Expansion of SME and
Komersial Commercial Loans
Bank berencana untuk target jangka menengah lebih For medium-term targets, the Bank plans to focus more on
memfokuskan ekspansi pembiayaannya pada segmentasi expanding its financing to SME and commercial segmentation
UKM dan komersial sebagaimana telah dijabarkan pada as outlined in the target market segmentation above.
segmentasi target market diatas.
4. Pengembangan Produk Kredit dan Pendanaan 4. Developing Loans and Funding Products
Beberapa produk kredit dan pendanaan diharapkan dapat Some loans and funding products are expected to be
dikembangkan dalam jangka menengah. Hal ini untuk lebih developed in the medium term. This aims to better utilize the
memanfaatkan fungsi dari core banking system Bank. functions of the Bank's Core Banking System.
5. Rencana Pengembangan IT, Otomasi Proses, Pengembangan 5. Planning to Develop IT, Process Automation, Product
Produk dan Core Banking System Development, and Core Banking System
Perencanaan strategis IT untuk mendorong rencana bisnis IT strategic planning to drive the Bank's overall business plan
bank secara keseluruhan dalam memberikan dukungan in providing information technology support shall be able to
teknologi informasi, haruslah dapat memberikan produk dan provide products and services with innovative technology
layanan dengan pendekatan teknologi yang inovatif yang approaches that can support the Bank's business needs in
dapat mendukung kebutuhan bisnis bank dalam memberikan providing services and security to the customers. By building
layanan dan keamanan kepada nasabah. Dengan membangun the latest information system technology infrastructure
infrastruktur teknologi sistem informasi yang terkini sejalan that is in line with the Bank's business development, it can
degan pengembangan bisnis bank, sehingga memberikan provide easy access, improve the products and services
kemudahan akses, peningkatan produk dan layanan sekaligus as well as increase transaction security, assist back office
meningkatkan keamanan bertransaksi, membantu layanan services in supporting the Bank's business operations, and
back office dalam mendukung operasional bisnis bank provide operational cost efficiency in supporting the Bank's
dan dapat memberikan efisiensi biaya operasional dalam more aggressive business expansion. This is the target of
mendukung ekspansi bisnis bank yang lebih agresif, hal ini developing information technology system at Bank Victoria.
merupakan target dari pengembangan sistem informasi
teknologi di Bank Victoria.
Kebijakan Manajemen Management Policy

Kebijakan Manajemen di tahun 2020 merupakan penerjemah dari Management Policy in 2020 is an interpretation of the Bank's
langkah-langkah strategis Bank yang telah ditetapkan, disesuaikan strategic steps that have been determined, adjusted to the
dengan kondisi dan situasi yang akan dihadapi Bank di masa conditions and situations that will be faced by the Bank in the
yang akan datang. Bank Victoria masih akan tetap fokus kepada future. Bank Victoria will remain focused on strategic steps for
langkah-langkah strategis sampai dengan 5 (lima) tahun kedepan the next five years, which cover the 5 (five) major aspects as
yang mencakup 5 (lima) aspek besar sebagai berikut. follows.

1. Maksimalisasi peran kantor cabang dan digitalisasi 1. Maximizing the role of branch offices and digitalization in
dalam mendorong pertumbuhan bisnis yang pesat dan driving rapid business growth and development of Retail
pengembangan Retail Banking Banking
Fokus utama dari langkah strategis ini adalah untuk The main focus of this strategic step is to increase the total
meningkatkan total nasabah baru dan volume portofolio new customers and business portfolio volume in the branch
bisnis di cabang. offices.
2. Memperkuat brand image dari Bank Victoria serta aktif 2. Strengthening Bank Victoria’s brand image and being active
dalam pengembangan produk, jasa layanan dan strategi in product development, services, and marketing strategies
pemasaran
Tujuan dari strategi ini adalah selain brand awareness dari The aim of this strategy is that in addition to improving
Bank Victoria di wilayah operasionalnya semakin membaik, brand awareness of Bank Victoria in its operational areas,
produk-produk yang dimiliki mampu menarik nasabah, its products are able to attract customers, especially new
khususnya nasabah baru. customers.
3. Menerapkan organisasi yang efektif, meningkatkan 3. Implementing effective organization, increasing the
kapasitas penggunaan informasi dan teknologi digital untuk capacity to use information and digital technology to
mendukung peningkatan produktivitas support increased productivity
Obyektif utama dari langkah strategis ini adalah untuk The main objective of this strategic step is to increase
meningkatkan produktivitas karyawan serta menerapkan employee’s productivity and implement work standards
standar kerja yang mengacu pada penerapan reward and that refer to the implementation of disciplined reward and
punishment secara disiplin. punishment.
4. Memperkuat aspek operasional, perkreditan serta 4. Strengthening operational, credit, and capacity aspects of
kapasitas dari sistem IT dan infrastruktur IT system and infrastructure
Tujuan dari strategis ini adalah proses operasional dapat lebih The aim of this strategic step is that the operational process
efektif, sehingga dapat diwujudkan layanan perbankan yang can be more effective, so that prime banking services can be
prima dan yang pada akhirnya diharapkan dapat memberikan realized, which is eventually expected to provide satisfaction
kepuasan kepada nasabah. to customers.
5. Memperkuat penerapan dan pengelolaan Kepatuhan, 5. Strengthening the implementation and management of
Manajemen Risiko, dan Pengendalian Internal di seluruh Compliance, Risk Management, and Internal Control in all
aspek operasional dan bisnis Bank (strengthen compliance, aspects of the Bank's operations and business (strengthen
risk management, and internal control practices) compliance, risk management, and internal control practices)
Obyektif utama dari langkah strategis ini adalah untuk The main objective of this strategic step is to ensure that
memastikan penerapan dan pengelolaan Kepatuhan, the implementation and management of Compliance, Risk
Manajemen Risiko, Pengendalian Internal yang sesuai Management, and Internal Control are in accordance with
dengan standar internasional serta aspek-aspek perbankan the international standards and prudent banking aspects can
yang prudent dapat memberikan dampak pada pengawasan have an impact for better control, prudent, and risk oriented.
operasional dan bisnis yang lebih baik (better control, prudent,
and risk oriented).

Tinjauan Keuangan
// Financial Overview
Laporan Posisi Keuangan Konsolidasian Consolidated Statements of Financial

Position
Aset Assets
Total aset yang dimiliki Bank Victoria pada tahun 2019 mengalami The total assets owned by Bank Victoria in 2019 experienced an
kenaikan sebesar Rp284,14 miliar atau 0,94% menjadi Rp30,46 increase of Rp284.14 billion or 0.94% to Rp30.46 trillion compared
triliun dibanding tahun 2018 sebesar Rp30,17 triliun. Kenaikan ini to that of 2018 by Rp30.17 trillion. This increase was mainly due to
terutama disebabkan oleh naiknya aset keuangan sebesar 0,92% the increase in financial assets by 0.92% and non-financial assets
dan aset non-keuangan sebesar 1,35%. by 1.35%.
Aset
Assets
Pertumbuhan
Rp %
Aset Keuangan Financial Assets
Kas 40,656 57,676 (17,020) (29.51) Cash
Giro pada Bank Indonesia 1,810,636 1,551,075 259,561 16.73 Current Accounts with Bank Indonesia
Giro pada bank lain – neto 125,447 91,962 33,485 36.41 Other Current Accounts - net
Penempatan pada Bank Indonesia Placements with Bank Indonesia and

306,639 2,401,787 (2,095,149) (87.23)
dan bank lain Other Banks
Efek-Efek – neto 7,900,240 6,724,521 1,175,719 17.48 Marketable Securities - net
Efek-Efek yang Dibeli dengan Janji Securities Purchased under Resale

1,000,006 1,000,011 (5) (0.00)
Dijual Kembali Agreement
Pendapatan bunga yang masih akan

192,745 189,997 2,748 1.45 Interest Receivables
diterima
Pinjaman yang diberikan, pembiayaan Loans, Sharia Financing and

17,054,738 16,102,772 951,967 5.91
dan piutang syariah – neto Receivables - net
Tagihan akseptasi 66,543 164,547 (98,003) (59.56) Acceptance Receivables
Penyertaan saham – neto 86,225 60 86,165 143,934.67 Investments in Shares - net
Aset lain-lain 50,129 89,645 (39,516) (44.08) Other Assets
Total Aset Keuangan 28,634,003 28,374,053 259,951 0.92 Total Financial Assets
Aset Non-Keuangan Non-Financial Assets
Biaya Dibayar di Muka 25,669 21,404 4,265 19.93 Prepaid Expenses
Agunan yang Diambil Alih - neto 1,105,207 1,054,020 51,187 4.86 Foreclosed Assets - net
Aset Pajak Tangguhan - neto 162,298 172,902 (10,604) (6.13) Deferred Tax Assets - net
Aset Tetap - neto 521,736 541,284 (19,548) (3.61) Fixed Assets - net
Aset Tak Berwujud - neto 7,546 8,654 (1,108) (12.80) Intangible Assets - net
Total Aset Non-Keuangan 1,822,455 1,798,263 24,193 1.35 Total Non-Financial Assets
Total Aset 30,456,459 30,172,315 284,143 0.94 Total Assets

Aset Keuangan Financial Assets

Pada tahun 2019, aset keuangan tercatat sebesar Rp28,63 triliun, In 2019, the financial assets were recorded at Rp28.63 trillion,
naik Rp259,95 miliar atau 0,92% dibanding tahun 2018 sebesar an increase of Rp259.95 billion or 0.92% compared to that of
Rp28,37 triliun. Kenaikan tersebut didorong oleh naiknya efek-efek- 2018 at Rp28.37 trillion. The increase was driven by the increase
neto dan pinjaman yang diberikan, pembiayaan dan piutang syariah in marketable securities - net and loans, sharia financing and
– neto yang masing-masing tumbuh sebesar 17,48% dan 5,91%. receivables - net, of 17.48% and 5.91%, respectively.
Aset Non-Keuangan Non-Financial Assets

Aset non-keuangan pada tahun 2019 mengalami kenaikan sebesar Non-financial assets in 2019 increased by Rp24.19 billion or 1.35%
Rp24,19 miliar atau 1,35% menjadi Rp1,82 triliun dibandingkan to Rp1.82 trillion compared to that of 2018 of Rp1.80 trillion. The
tahun 2018 sebesar Rp1,80 triliun. Kenaikan tersebut disebabkan increase was caused by the increase in prepaid expenses by
oleh naiknya biaya dibayar dimuka sebesar 19,93% dan agunan 19.93% and foreclosed assets - net by 4.86%.
yang diambil alih-neto sebesar 4,86%.
Total liabilitas Bank Victoria mengalami penurunan sebesar Bank Victoria's total liabilities decreased by Rp26.26 billion or
Rp26,26 miliar atau 0,10% menjadi Rp25,78 triliun pada tahun 0.10% to Rp25.78 trillion in 2019 compared to that of 2018 of
2019 dibandingkan pada tahun 2018 sebesar Rp25,81 triliun. Rp25.81 trillion. The decrease was mainly due to the decrease in
Penurunan tersebut terutama disebabkan oleh turunnya liabilitas non-financial liabilities by Rp43.22 billion or 64.80%.
non-keuangan sebesar Rp43,22 miliar atau 64,80%.
Liabilitas
Liabilities
Pertumbuhan
Rp %
Liabilitas Keuangan Financial Liabilities
Liabilitas Segera 2,077 4,393 (2,316) (52.71) Obligations due Immediately
Simpanan Nasabah 21,791,637 20,636,380 1,155,257 5.60 Deposits from Customers
Deposits from Other Banks - Third

Simpanan dari Bank Lain – Pihak Ketiga 909,310 1,835,799 (926,490) (50.47)
Parties
Efek-Efek yang Dijual dengan Janji Securities Sold under Repurchase

1,000,001 1,302,664 (302,663) (23.23)
Dibeli Kembali Agreement
Utang Akseptasi 49,006 161,198 (112,192) (69.60) Acceptance Payables
Efek-Efek yang Diterbitkan 1,780,135 1,585,723 194,412 12.26 Securities Issued
Akrual dan Liabilitas Lain-Lain 154,416 143,460 10,956 7.64 Accruals and Other Liabilities
Total Liabilitas Keuangan 25,686,582 25,669,617 16,965 0.07 Total Financial Liabilities
Liabilitas Non-Keuangan Non-Financial Liabilities
Utang Pajak 29,977 65,331 (35,354) (54.12) Taxes Payable
Liabilitas Imbalan Kerja Karyawan 65,755 73,621 (7,866) (10.68) Employee Benefits Obligation
Total Liabilitas Non-Keuangan 95,732 138,953 (43,221) (64.80) Total Non-Financial Liabilities
Total Liabilitas 25,782,314 25,808,570 (26,256) (0.10) Total Liabilities

Liabilitas Keuangan Financial Liabilities

Pada tahun 2019, liabilitas keuangan tercatat sebesar Rp25,69 In 2019, financial liabilities were recorded at Rp25.69 trillion, an
triliun, naik Rp16,96 miliar atau 0,07% jika dibandingkan tahun increase of Rp16.96 billion or 0.07% compared to that of previous
sebelumnya sebesar Rp25,67 triliun. Kenaikan ini disebabkan year of Rp25.67 trillion. This increase was caused by the increase
oleh naiknya efek-efek yang diterbitkan sebesar 12,26% menjadi in securities issued by 12.26% to Rp1.78 billion, accruals and
Rp1,78 miliar, akrual dan liabilitas lain-lain yang naik sebear 7,64% other liabilities which increased by 7.64% to Rp154.42 billion,
menjadi Rp154,42 miliar, dan simpanan nasabah yang meningkat and deposits from customers which increased 5.60% to Rp21.79
5,60% menjadi Rp21,79 triliun pada tahun 2019. trillion in 2019.
Untuk simpanan nasabah, pada tahun 2019 tercatat sebesar For customer deposits in 2019, it was recorded at Rp21.79 trillion,
Rp21,79 triliun, naik 5,60% dari tahun sebelumnya sebesar an increase of 5.60% from that of previous year of Rp20.64 trillion.
Rp20,64 triliun. Kenaikan ini didukung oleh adanya negotiatable This increase was supported by the existence of negotiable
certifcate deposit sebesar Rp8,88 miliar yang telah dikurangi certificate deposits of Rp8.88 billion, which had been reduced by
diskonto dan beban emisi yang belum diamortisasi masing- discounts and unamortized emission charges of Rp105.16 million
masing sebesar Rp105,16 juta dan Rp13,26 juta pada tahun 2019. and Rp13.26 million, respectively, in 2019.
Liabilitas Non-Keuangan Non-Financial Liabilities

Bank Victoria mencatatkan liabilitas non-keuangan pada tahun Bank Victoria recorded non-financial liabilities in 2019 at Rp95.73
2019 sebesar Rp95,73 miliar, turun Rp43,22 miliar atau 64,80% billion, a decrease of Rp43.22 billion or 64.80% compared to that
dibanding tahun 2018 sebesar Rp138,95 miliar. Penurunan tersebut of 2018 of Rp138.95 billion. The decrease was mainly caused by
khususnya disebabkan oleh turunnya utang pajak sebesar Rp35,35 the decrease in taxes payable by Rp35.35 billion or 54.12% to
miliar atau 54,12% menjadi Rp29,98 miliar pada tahun 2019. Rp29.98 billion in 2019.
Dana Syirkah Temporer Temporary Syirkah Fund

Dana syirkah temporer Bank di tahun 2019 mencapai Rp1,69 triliun, The Bank's temporary syirkah fund in 2019 reached Rp1.69 trillion,
mengalami peningkatan sebesar Rp129,97 miliar atau 8,34% an increase of Rp129.97 billion or 8.34% compared to that of
dibandingkan tahun 2018 sebesar Rp1,56 triliun. Peningkatan dana 2018 of Rp1.56 trillion. The increase in temporary syirkah funds
syirkah temporer ini terutama disebabkan oleh meningkatnya was mainly due to the increase in deposits from other banks
simpanan bank lain sebesar Rp73,80 miliar atau 68,52% dan by Rp73.80 billion or 68.52% and deposits from customers by
simpanan nasabah sebesar Rp56,17 miliar atau 3,87%. Rp56.17 billion or 3.87%.
Dana Syirkah Temporer

Temporary Syirkah Fund
Pertumbuhan
Rp %
Simpanan Nasabah 1,506,190 1,450,020 56,171 3.87 Deposits from Customers
Simpanan Bank Lain 181,500 107,700 73,800 68.52 Deposits from Other Banks
Total Dana Syirkah Temporer 1,687,690 1,557,720 129,971 8.34 Total Temporary Syirkah Fund
Ekuitas Equity
Ekuitas pada tahun 2019 tercatat sebesar Rp2,99 triliun, naik Equity in 2019 was recorded at Rp2.99 trillion, an increase of
Rp180,43 miliar atau 6,43% dibanding tahun 2018 sebesar Rp2,81 Rp180.43 billion or 6.43% compared to that of 2018 of Rp2.81
triliun. Kenaikan tersebut khususnya disebabkan oleh naiknya trillion. The increase was mainly caused by the increase in share
modal saham dan tambahan modal disetor yang masing-masing capital and additional paid-in capital, by 3.24% or Rp28.09 billion
naik sebesar 3,24% atau Rp28,09 miliar dan 33,59% atau Rp71,09. and 33.59% or Rp71.09, respectively.

Ekuitas
Equity
Pertumbuhan
Rp %
Ekuitas yang Dapat Diatribusikan Equity Attributable to Equity Holders
kepada Pemilik Entitas Induk of the Parent Entity
Modal Saham - Nilai Nominal 895,195 867,105 28,090 3.24 Share Capital - Par Value
Tambahan Modal Disetor 282,776 211,681 71,095 33.59 Additional Paid-in Capital
Keuntungan/(Kerugian) yang Belum

Unrealized Gain/(Loss) from
Direalisasi atas Perubahan Nilai
30,500 (58,235) 88,735 152.37 Available-For-Sale Marketable
Wajar Efek-Efek yang Tersedia untuk
Securities, net of tax
Dijual, setelah pajak
Surplus Revaluasi Aset Tetap, setelah Gain on Revaluation of Fixed Assets,

339,336 355,459 (16,123) (4.54)
pajak net of tax
Pengukuran Kembali atas Liabilitas Remeasurements on Employee

19,107 12,833 6,274 48.89
Imbalan Kerja Setelah Pajak Benefit Liabilities, Net of Tax
Saldo Laba: Retained Earnings:
Telah Ditentukan Penggunaannya 186,356 175,156 11,200 6.39 Appropriated
Belum Ditentukan Penggunaannya 1,233,168 1,242,010 (8,842) (0.71) Unappropriated
Total Ekuitas yang dapat

Total Equity Attributable to Equity
Diatribusikan kepada Pemilik 2,986,438 2,806,009 180,429 6.43
Holders of the Parent Entity
Entitas Induk
Kepentingan Non-Pengendali 17 16 1 4.26 Non-Controlling Interest
Total Ekuitas 2,986,455 2,806,025 180,430 6.43 Total Equity
Laporan Laba Rugi dan Penghasilan Consolidated Statements of Profit or Loss

Komprehensif Lain Konsolidasian and Other Comprehensive Income
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian

Consolidated Statements of Profit or Loss and Other Comprehensive Income
Pertumbuhan
Rp %
Income and Expense from
Pendapatan dan Beban Operasional
Operations
Pendapatan Bunga dan Syariah 2,223,205 2,280,213 (57,008) (2.50) Interest and Sharia Income
Beban Bunga dan Syariah (1,954,057) (1,820,882) 133,174 7.31 Interest and Sharia Expenses
Pendapatan Bunga dan Syariah

269,148 459,331 (190,182) (41.40) Interest and Sharia Income - Net
Bersih
Pendapatan dan Beban Other Operating Income and

Operasional Lainnya Expenses
Pendapatan Operasional Lainnya Other Operating Income
Pendapatan dari Investasi Reksadana 106,863 93,386 13,478 14.43 Income from Mutual Funds
Keuntungan atas Penjualan Efek-

Gains on Sale of Trading and
Efek yang Diperdagangkan dan 165,444 118,978 46,466 39.05
Available-For-Sale Securities - net
Tersedia untuk Dijual - neto
Provisi dan Komisi Selain dari Fees and Commissions from

7,442 13,351 (5,909) (44.26)
Pinjaman Transactions Other than Loans

Pertumbuhan
Rp %
Keuntungan/(Kerugian) atas
Gain/(Loss) on Changes in Fair Value
Kenaikan Nilai Wajar Efek-Efek yang 2,919 (233) 3,152 1,352.23
of Trading Securities - net
Diperdagangkan - neto
Lain-Lain 79,487 153,408 (73,921) (48.19) Others
Total Pendapatan Operasional

362,155 378,889 (16,735) (4.42) Total Other Operating Income
Lainnya
Beban Operasional Lainnya Other Operating Expenses
Beban Penyisihan Kerugian Provision for Impairment Losses on

(192,070) (247,373) (55,304) (22.36)
Penurunan Nilai Aset Keuangan Financial Assets

(13,171) (81,401) (68,229) (83.82)
Penurunan Nilai Aset Non-Keuangan Non-Financial Assets
Kerugian atas Perubahan Nilai Wajar

Loss on Changes in Fair Value of
Penyertaan Saham (20,325) - (20,325) -
Trading Investment in Shares
yang Diperdagangkan
Beban Umum Dan Administrasi (178,693) (179,181) (488) (0.27) General and Administrative Expenses
Beban Tenaga Kerja (189,748) (192,327) (2,579) (1.34) Personnel Expenses
Lain-Lain (54,350) (40,770) 13,580 33.31 Others
Total Beban Operasional Lainnya (648,357) (741,052) (92,695) (12.51) Total Other Operating Expenses
(Rugi)/Laba Operasional (17,054) 97,168 (114,222) (117.55) (Loss)/Income From Operations
Beban Non Operasional - neto (7,672) (3,808) 3,863 101.45 Non-Operating Expenses - net
(Rugi)/Laba Sebelum Beban Pajak (Loss)/Income Before Income Tax

(24,726) 93,360 (118,086) (126.48)
Penghasilan Expense
Manfaat/(Beban) Pajak Penghasilan

10,961 (14,278) 25,239 176.77 Income Tax Benefit/(Expense) - Net
- neto
(Rugi)/Laba Bersih Tahun Berjalan (13,765) 79,082 (92,846) (117.41) Net (Loss)/Income for the Year
Penghasilan Komprehensif Lain Other Comprehensive Income
Pos-Pos yang akan Direklasifikasi ke Items that would be Reclassified to

Laba Rugi Profit or Loss
Perubahan Nilai Wajar Efek-Efek Changes in Fair Value of Available-

115,149 (165,420) 280,569 169.61
yang Tersedia untuk Dijual For-Sale Marketable Securities
Pajak Tangguhan Terkait (26,414) 37,476 (63,890) (170.48) Related Income Tax
Penghasilan/(Rugi) Komprehensif Other Comprehensive Income/(Loss)

88,735 (127,944) 216,679 169.35
Lain - neto setelah pajak - net of tax
Pos yang tidak akan Direklasifikasi Items that would never be

ke Laba Rugi Reclassified to Profit or Loss

8,365 10,569 (2,204) (20.85)
Imbalan Kerja Benefit Liabilities
Pajak Tangguhan Terkait (2,091) (2,043) 48 2.37 Related Income Tax
Total Pos yang tidak akan Total Items that would never be
6,274 8,526 (2,252) (26.41)
Direklasifikasi ke Laba Rugi Reclassified to Profit or Loss
Penghasilan/(Rugi) Komprehensif Other Comprehensive Income/

95,010 (119,418) 214,427 179.56
Lain Setelah Pajak Penghasilan (Loss), Net of Income Tax
Total Penghasilan/(Rugi)
81,245 (40,336) 121,581 301.42 Total Comprehensive Income/(Loss)
Komprehensif
(Rugi)/Laba Bersih yang dapat

(13,765) 79,082 (92,846) (117.41) Net Income/(Loss) Attributable to:
Diatribusikan kepada:
Pemilik Entitas Induk (13,765) 79,082 (92,846) (117.41) Equity Holders of the Parent Entity
Kepentingan Non-Pengendali 0 0 0 (84.23) Non-Controlling Interest

Pertumbuhan
Rp %
Laba/(Rugi) Komprehensif yang Comprehensive Income/(Loss)
81,245 (40,336) 121,581 301,42
dapat Diatribusikan kepada: Attributable to:
Pemilik Entitas Induk 81,244 (40,334) 121,579 301.43 Equity Holders of the Parent Entity
Kepentingan Non-Pengendali 1 (2) 2 135.40 Non-Controlling Interest
(Rugi)/Laba Bersih Per Saham yang (Loss)/Earnings per Share

dapat Diatribusikan kepada Pemilik Attributable to Entity Holders of the
Entitas Induk Parent Entity
Dasar (Rupiah penuh) (1.56) 9.12 (10.68) (117.11) Basic (whole Rupiah)
Dilusian (Rupiah penuh) (1.56) 9.12 (10.68) (117.11) Diluted (whole Rupiah)
Pendapatan dan Beban Operasional Income and Expense from Operations

Pada tahun 2019, pendapatan dan beban operasional Bank In 2019, Bank Victoria's income and expenses from operations
Victoria mencapai Rp269,15 miliar, turun Rp190,18 miliar atau reached Rp269.15 billion, a decreased of Rp190.18 billion or 41.40%
41,40% jika dibandingkan tahun 2018 sebesar Rp459,33 miliar. compared to that of 2018 of Rp459.33 billion. This decrease was
Penurunan ini diakibatkan oleh turunnya pendapatan bunga dan caused by the decrease in interest and sharia income by 2.50%,
syariah sebesar 2,50% yang diikuti naiknya beban bunga dan followed by the increase in interest and sharia expenses by 7.31%.
syariah sebesar 7,31%.
Pertumbuhan
Rp %
Income and Expense from
Pendapatan dan Beban Operasional
Operations
Pendapatan Bunga dan Syariah 2,223,205 2,280,213 (57,008) (2.50) Interest and Sharia Income
Beban Bunga dan Syariah (1,954,057) (1,820,882) 133,174 7.31 Interest and Sharia Expenses

269,148 459,331 (190,182) (41.40) Interest and Sharia Income - Net
Bersih

Pada tahun 2019, pendapatan bunga dan syariah membukukan In 2019, interest and sharia income recorded an amount of Rp2.22
sebesar Rp2,22 triliun turun 2,50% dari Rp2,28 triliun pada tahun trillion, a decrease of 2.50% from Rp2.28 trillion in 2018. This
2018. Penurunan ini disebabkan oleh turunnya pendapatan bunga decrease was caused by the decrease in interest income by 2.61%
sebesar 2,61% dan penurunan pendapatan syariah sebesar 25,72%. and the decrease in sharia income by 25.72%.

Interest and Sharia Income
Pertumbuhan
Rp %
Pendapatan Bunga Interest Income
Pinjaman yang Diberikan 1,696,362 1,724,692 (28,329) (1.64) Loans
Efek-Efek 339,607 332,813 6,794 2.04 Marketable Securities

19,217 52,721 (33,504) (63.55)
dan Bank Lain Other Banks
Total Pendapatan Bunga 2,055,186 2,110,226 (55,040) (2.61) Total Interest Income

Pertumbuhan
Rp %
Pendapatan Syariah Sharia Income
Pendapatan Margin 92,866 97,781 (4,915) (5.03) Margin Income
Pendapatan Bagi Hasil 29,518 31,254 (1,736) (5.55) Profit Sharing
Pendapatan Ijarah – Neto 420 577 (156) (27.12) Net Income from Ijarah
Pendapatan Usaha Utama Lainnya 45,215 40,375 4,840 11.98 Income from Other Main Operational
Total Pendapatan Syariah 168,019 169,987 (1,968) (25.72) Total Sharia Income
Total Pendapatan Bunga dan Syariah 2,223,205 2,280,213 (57,008) (2.50) Total Interest and Sharia Income
Beban Bunga dan Syariah Interest and Sharia Expenses

Sementara itu, untuk beban bunga dan syariah mengalami Meanwhile, interest and sharia expenses increased by 7.31% from
kenaikan sebesar 7,31% dari Rp1,82 triliun pada tahun 2018 menjadi Rp1.82 trillion in 2018 to Rp1.95 trillion in 2019, which was mainly
Rp1,95 triliun pada tahun 2019 yang khususnya disebabkan oleh due to the increase in third party deposits, which were time
naiknya simpanan dana pihak ketiga yaitu deposito sebesar 8,51% deposits of 8.51% or Rp119,84 billion and bonds issued of 17.17%
atau Rp119,84 miliar dan obligasi yang diterbitkan sebesar 17,17% or Rp25.69 billion.
atau Rp25,69 miliar.
Beban Bunga Syariah

Interest and Sharia Expenses
Pertumbuhan
Rp %
Simpanan Dana Pihak Ketiga Third Party Deposits
Deposito 1,527,574 1,407,738 119,835 8.51 Time Deposits
Tabungan 125,811 139,355 (13,544) (9.72) Savings Deposits
Giro 30,088 34,046 (3,957) (11.62) Demand Deposits
Obligasi yang Diterbitkan 175,298 149,611 25,687 17.17 Bonds Issued
Amortisasi Emisi Obligasi 5,150 3,785 1,365 36.07 Amortization of Bonds Issuance Cost
Simpanan dari Bank Lain Deposits from Other Banks
Call Money 69,773 83,882 (14,110) (16.82) Call Money
Pinjaman Rekening Koran 67 (67) (100.00) Overdraft
Kewajiban Repo 8,088 2,399 5,689 237.13 Repo Liabilities
Negotiable Certificate Deposits 12,275 - 12,275 100.00 Negotiable Certificate Deposits
Total Beban Bunga dan Syariah 1,954,057 1,820,882 133,174 7.31 Total Interest and Sharia Expenses

Pendapatan operasional lainnya pada tahun 2019 tercatat sebesar Other operating income in 2019 was recorded at Rp362.16 billion,
Rp362,16 miliar, mengalami penurunan sebesar Rp16,74 miliar a decrease of Rp16.74 billion or 4.42% compared to that of 2018
atau 4,42% dibandingkan tahun 2018 sebesar Rp378,89 miliar. of Rp378.89 billion. The decrease was mainly from the decrease
Penurunan tersebut terutama diperoleh dari turunnya provisi in fees and commissions other than loans by 44.26% and the
dan komisi selain dari pinjaman sebesar 44,26% dan turunnya decrease in other income by 48.19%
pendapatan lain-lain sebesar 48,19%.

Pertumbuhan
Rp %
Pendapatan dari Investasi Reksadana 106,863 93,386 13,478 14.43 Income from Mutual Funds
Keuntungan atas Penjualan Efek-

Gains on Sale of Trading and
Efek yang Diperdagangkan dan 165,444 118,978 46,466 39.05
Available-For-Sale Securities - net
Tersedia untuk Dijual - neto
Provisi dan Komisi Selain dari Fees and Commissions from

7,442 13,351 (5,909) (44.26)
Pinjaman Transactions Other than Loans
Keuntungan/(Kerugian) atas
Gain/(Loss) on Changes in Fair Value
Kenaikan Nilai Wajar Efek-Efek yang 2,919 (233) 3,152 1,352.23
of Trading Securities - net
Diperdagangkan - neto
Lain-Lain 79,487 153,407 (73,920) (48.19) Others
Total Pendapatan Operasional

362,155 378,889 (16,735) (4.42) Total Other Operating Income
Lainnya

Beban operasional lainnya Bank Victoria berhasil mencatatkan Bank Victoria successfully recorded a decrease of its other
penurunan sebesar Rp92,70 miliar atau 12,51% dari Rp741,05 miliar di operating expenses of Rp92.70 billion or 12.51% from Rp741.05
2018 menjadi Rp648,36 miliar di 2019. Penurunan tersebut terutama billion in 2018 to Rp648.36 billion in 2019. The decrease was mainly
dikarenakan turunya beban penyisihan kerugian penurunan nilai aset due to the decrease in allowance for impairment losses on non-
non-keuangan sebesar Rp68,23 miliar atau 83,82%. financial assets of Rp68.23 billion or 83.82%.
Beban Operasional Lainnya
Other Operating Expenses
Pertumbuhan
Rp %

(192,070) (247,373) (55,304) (22.36)
Penurunan Nilai Aset Keuangan Financial Assets

(13,171) (81,401) (68,229) (83.82)
Penurunan Nilai Aset Non-Keuangan Non-Financial Assets
Kerugian atas Perubahan Nilai

Loss on Changes in Fair Value of
Wajar Penyertaan Saham yang (20,325) - (20,325) -
Trading Investment in Shares
Diperdagangkan

Beban Umum dan Administrasi (178,693) (179,181) (488) (0.27)
Expenses
Beban Tenaga Kerja (189,748) (192,327) (2,579) (1.34) Personnel Expenses
Lain-Lain (54,350) (40,770) 13,580 33.31 Others
Total Beban Operasional Lainnya (648,357) (741,052) (92,695) (12.51) Total Other Operating Expenses
(Rugi)/Laba Operasional (Loss)/Income From Operations

Pada tahun 2019, Bank Victoria mengalami rugi operasional In 2019, Bank Victoria experienced a loss from operations of
sebesar Rp17,05 miliar, sedangkan pada tahun 2018 mencatatkan Rp17.05 billion, while in 2018 it recorded an income from operations
laba operasional sebesar Rp97,17 miliar. Kerugian ini diakibatkan of Rp97.17 billion. This loss was caused by the decrease in net
turunnya pendapatan bunga dan syariah bersih sebesar 41,40% interest and sharia income by 41.40% or Rp190.18 billion and other
atau Rp190,18 miliar dan pendapatan operasional lainnya sebesar operating income by 4.42% or equivalent to Rp16.74 billion.
4,42% atau setara dengan Rp16,74 miliar.

(Rugi)/Laba Operasional
(Loss)/Income From Operations
Pertumbuhan
Rp %
Pendapatan Bunga dan Syariah Bersih 269,148 459,331 (190,182) (41.40) Interest and Sharia Income - Net
Pendapatan Operasional Lainnya 362,155 378,889 (16,735) (4.42) Other Operating Income
Beban Operasional Lainnya (648,357) (741,052) (92,695) (12.51) Other Operating Expenses
Beban Non-Operasional Non-Operating Expenses

Sepanjang tahun 2019, Bank Victoria mencatatkan beban non- Throughout 2019, Bank Victoria recorded its non-operating
operasional sebesar Rp7,67 miliar, naik Rp3,86 miliar atau expenses at Rp7.67 billion, an increase of Rp3.86 billion or 101.45%
101,45% dibandingkan tahun 2018 sebesar Rp3,81 miliar. Hal ini compared to that of 2018 of Rp3.81 billion. This was mainly due
terutama disebabkan oleh meningkatnya rugi penjualan AYDA to the increase in loss on sale of foreclosed assets (AYDA) of
sebesar 223,59%, menjadi Rp15,82 miliar pada tahun 2019. 223.59%, to Rp15.82 billion in 2019.
Beban Non-Operasional
Non-Operating Expenses
Pertumbuhan
Rp %
Pendapatan Non-Operasional Non-Operating Income
Laba Penjualan AYDA 8,603 1,856 6,747 363.58 Gain on Sale of Foreclosed Assets
Hasil Sewa 242 200 42 21.06 Rent Fees
Laba Penjualan Aset Tetap - 470 (470) (100.00) Gain on Sale of Fixed Assets
Lain-Lain 2,388 1,291 1,097 84.97 Others
Beban Non-Operasional Non-Operating Expenses
Rugi Penjualan AYDA (15,824) (4,890) 10,934 223.59 Loss on Sale of Foreclosed Assets
Rugi Penjualan Aset Tetap (1,587) - (1,587) (100) Loss on Sales of Fixed Asset
Lain-Lain (1,494) (2,735) (1,241) (45.42) Others
Total Beban Non-Operasional – Neto (7,672) (3,808) 3,863 101.45 Total Non-Operating Expenses - Net
Rugi)/Laba Sebelum Beban Pajak Penghasilan (Loss)/Income Before Income Tax Expenses
Pada tahun 2019, Bank Victoria mengalami kerugian sebesar Rp24,73 In 2019, Bank Victoria suffered a loss of Rp24.73 billion. This
miliar. Kerugian ini disebabkan oleh menurunnya laba operasional loss was caused by the decrease in income from operations of
sebesar Rp114,22 miliar atau 117,55% serta diikuti oleh naiknya beban Rp114.22 billion or 117.55% and followed by the increase in non-
non operasional-neto sebesar 101,45% atau Rp3,86 miliar. operating expenses -net of 101.45% or Rp3.86 billion.
Pertumbuhan
Rp %
Beban Non Operasional - neto (7,672) (3,808) 3,863 101.45 Non-Operating Expenses - net

(24,725) 93,360 (118,085) (126.48)
Penghasilan Expense

Manfaat/(Beban) Pajak Penghasilan – Neto Income Tax Benefit/(Expense) - Net

Pada tahun 2019, Bank Victoria berhasil mencatat manfaat pajak In 2019, Bank Victoria succeeded in recording income tax benefit
penghasilan sebesar Rp10,96 miliar, sedangkan pada tahun 2018, of R10.96 billion, while in 2018 it recorded an income tax expense
membukukan beban pajak penghasilan sebesar Rp14,28 miliar. of Rp14.28 billion.
(Rugi)/Laba Bersih Tahun Berjalan Net (Loss)/Income For The Year

Sepanjang tahun 2019, Bank Victoria mencatatkan rugi bersih Throughout 2019, Bank Victoria recorded a net loss for the year of
tahun berjalan sebesar Rp13,77 miliar, sedangkan tahun 2019 Bank Rp13.77 billion, while in 2019, Bank Victoria recorded a net income
Victoria mencatatkan laba bersih tahun berjalan sebesar Rp79,08 for the year of Rp79.08 billion. The loss in 2019 was caused by a
miliar. Kerugian ditahun 2019 ini diakibatkan oleh kerugian loss of income before income tax expense of Rp24.73 billion.
sebelum beban pajak penghasilan sebesar Rp24,73 miliar.
Pertumbuhan
Rp %
(24,725) 93,360 (118,085) (126.48)
Penghasilan Expense
Manfaat/(Beban) Pajak Penghasilan

10,961 (14,278) 25,239 176.77 Income Tax Benefit/(Expense) - net
- neto
(Rugi)/Laba Bersih Tahun Berjalan (13,765) 79,082 (92,846) (117.41) Net (Loss)/Income for the Year
Adapun rugi bersih yang dapat diatribusikan kepada pemilik Net loss attributable to equity holders of the Parent Entity in
Entitas Induk pada tahun 2019 mencapai Rp13,76 miliar, turun 2019 reached Rp13.76 billion, a decrease of 117.41% from that of
117,41% dari tahun sebelumnya yang mencatatkan laba bersih previous year which recorded a net income of Rp79.08 billion.
sebesar Rp79,08 miliar.
Pertumbuhan
Rp %
(Rugi)/Laba Bersih yang dapat
(13,765) 79,082 (92,846) (117.41) Net (Loss)/Income Attributable to
Diatribusikan kepada:
Pemilik Entitas Induk (13,765) 79,082 (92,846) (117.41) Equity Holders of the Parent Entity
Kepentingan Non-Pengendali 0 0 0 (84.23) Non-Controlling Interests
(Rugi)/Penghasilan Komprehensif Lain Setelah Other Comprehensive (Loss)/Income, Net of

Pajak Penghasilan Income Tax
Per akhir 2019, penghasilan komprehensif lain setelah pajak As of the end of 2019, other comprehensive income, net of
penghasilan tercatat sebesar Rp95,01 miliar. Hal ini menunjukkan income tax, was recorded at Rp95.01 billion. This shows a
perbaikan yang positif apabila dibandingkan dengan tahun positive improvement when compared to that of previous year,
sebelumnya yang mengalami kerugian komprehensif lain setelah which recorded other comprehensive loss, net of income tax, of
pajak penghasilan sebesar Rp119,42 miliar. Rp119.42 billion.
Pertumbuhan
Rp %
Penghasilan Komprehensif Lain Other Comprehensive Income
Items that would be Reclassified to

Pos-Pos yang akan Direklasifikasi ke Laba Rugi
Profit or Loss
Perubahan Nilai Wajar Efek-Efek Changes in Fair Value of Available-

115,149 (165,420) 280,569 169.61
yang Tersedia untuk Dijual for-Sale Securities
Pajak Tangguhan Terkait (26,413) 37,476 (63,889) (170.48) Related Income Tax

Pertumbuhan
Rp %
88,735 (127,944) 216,679 169.35
Lain - neto setelah pajak (Loss) - net of tax
Items that would never be

Pos yang tidak akan Direklasifikasi ke Laba Rugi
Reclassified to Profit or Loss

8,366 10,569 (2,204) (20.85)
Imbalan Kerja Benefit Liabilities
Pajak Tangguhan Terkait (2,091) (2,043) 48 2.37 Related Income Tax
Total Pos yang tidak akan Total Items that would never be
6,274 8,526 (2,252) (26.41)
Direklasifikasi ke Laba Rugi Reclassified to Profit or Loss

95,010 (119,418) 214,427 (179.56)
Lain Setelah Pajak Penghasilan (Loss), Net of Income Tax
Laba/(Rugi) Komprehensif Tahun Berjalan Comprehensive Income/(Loss) for the Year

Total laba komprehensif tahun berjalan pada tahun 2019 mencapai Total comprehensive income for the year in 2019 reached Rp81.25
Rp81,25 miliar, meningkat sebesar Rp121,58 miliar atau 301,42% billion, an increase of Rp121.58 billion or 301.42% compared to
dibanding tahun 2018 yang mencatatkan kerugian sebesar that of 2018 which recorded a loss of Rp40.34 billion.
Rp40,34 miliar.
Pertumbuhan
Rp %
Laba/(Rugi) Komprehensif yang Comprehensive Income/(Loss)
81,245 (40,336) 121,581 301.42
dapat Diatribusikan kepada: Attributable to:
Pemilik Entitas Induk 81,244 (40,334) 121,579 301.43 Equity Holders of the Parent Entity
Kepentingan Non-Pengendali 1 (2) 2 135.40 Non-Controlling Interests
(Rugi)/laba bersih per Saham Net (Loss)/Earnings Per Share

Pada tahun 2019, rugi per saham dasar dan dilusian Bank Victoria In 2019, Bank Victoria's basic and diluted loss per share was
pada tahun 2019 tercatat sebesar sebesar Rp1,56, turun Rp10,68 recorded at Rp1.56, a decrease of Rp10.68 or 117.11% compared
atau 117,11% dibandingkan dengan tahun 2018 mencapai laba per to that of 2018, which recorded earnings per share of Rp9.12. The
saham sebesar Rp9,12. Penurunan laba per saham sejalan dengan decline in earnings per share was in line with the decrease in the
penurunan laba bersih tahun berjalan Bank sebesar 117,41% Bank's net income for the year by 117.41% throughout 2019.
sepanjang tahun 2019.
(dalam Rupiah penuh, kecuali dinyatakan lain / in full Rupiah, unless stated otherwise)
Pertumbuhan
Rp %
(Rugi)/laba bersih per saham yang (Loss)/Earnings per Share
dapat diatribusikan kepada pemilik Attributable to Entity Holders of the
Entitas Induk Parent Entity
Dasar (Rupiah penuh) (1.56) 9.12 (10.68) (117.11) Basic (whole Rupiah)
Dilusian (Rupiah penuh) (1.56) 9.12 (10.68) (117.11) Diluted (whole Rupiah)

Laporan Arus Kas Konsolidasian Consolidated Statements of Cash Flows
Tabel Laporan Arus Kas Konsolidasian

Table of Consolidated Statements of Cash Flows
Pertumbuhan
Rp %
Cash Flows from Operating
Arus Kas Dari Aktivitas Operasi
Activities
Penerimaan dari Pendapatan Bunga Receipt from Interest Income and

2,178,472 2,276,206 (97,733) (4.29)
dan Syariah dan Komisi Sharia and Commission Income
Payment of Interest and Sharia

Pembayaran Bunga dan Syariah (1,951,512) (1,820,179) 131,333 7.22
Expense
Receipt from Other Operating

Penerimaan Operasional Lainnya 397,952 319,729 78,223 24.47
Income
Penerimaan dari Penjualan Agunan Receipt from Sale of Foreclosed

274,060 73,006 201,053 275.39
yang Diambil Alih Collaterals
Pembayaran Beban Umum dan Payment of General and

(141,077) (141,049) 29 0.02
Administrasi Administrative Expenses
Pembayaran Beban Tenaga Kerja (189,030) (185,326) 3,704 2.00 Payment of Personnel Expenses
Pembayaran Beban Operasional Payments of Other Operating

(68,248) (52,717) 15,531 29.46
Lainnya Expenses
(Pembayaran)/Penerimaan dari
(Payment)/Receipt from Other Non-
Pendapatan Non-Operasional (89,107) 100,999 (190,105) (188.23)
Operating Income
Lainnya
Pembayaran Pajak Penghasilan (43,480) (39,086) 4,394 11.24 Payment of Income Tax
(Kenaikan)/Penurunan dalam Aset (Increase)/Decrease in Operating

Operasi: Assets:
Penempatan pada Bank Indonesia (20,000) - (20,000) (100.00) Placement with Bank Indonesia
Pinjaman yang Diberikan (1,139,407) (745,419) 393,988 52.85 Loans
Efek-Efek yang Dibeli dengan Janji Securities Purchased under

5 (1,000,011) 1,000,016 100.00
Dijual Kembali Resale Agreements
Beban Dibayar Di Muka (4,264) 202 (4,467) (2,205.84) Prepaid Expenses
Agunan yang Diambil Alih (343,314) (817,570) (474,256) (58.01) Foreclosed Assets
Penyertaan Saham (86,165) (4,974) 81,191 1,632.36 Investment in Shares
Aset Lain-Lain 26,576 (104,944) 131,520 125.32 Other Assets
Kenaikan/(Penurunan) dalam Increase/(Decrease) in Operating

Kewajiban Operasi: Liabilities:
Liabilitas Segera (2,809) (120) (2,689) 2,246.25 Obligations Due Immediately
Simpanan Nasabah 1,154,755 (138,646) 1,293,401 (932.88) Deposits from Customers
Simpanan dari Bank Lain (926,042) (431,031) (495,012) 114.84 Deposits from Other Banks
Utang Pajak Lainnya 1,185 2,373 (1,187) (50.04) Other Tax Payables
Efek-Efek yang Dibeli dengan Securities Purchased under

(302,663) 1,302,664 (1,605,326) (123.23)
Janji Dijual Kembali Agreement to Resell
Liabilitas Lain-Lain (266) 220 (486) (220.99) Other Liabilities
Dana Syirkah Temporer 129,971 62,432 67,539 108.18 Temporary Syirkah Fund
Arus Kas Bersih Digunakan untuk Net Cash Flows Used in Operating
(1,144,408) (1,343,241) 198,833 (14.80)
Aktivitas Operasi Activities

Pertumbuhan
Rp %
Arus Kas dari Aktivitas Investasi Cash Flows from Investing Activities
Hasil Penjualan Aset Tetap 7,295 913 6,382 699.20 Proceeds from Sale of Fixed Assets
Pembelian Aset Tetap (6,719) (28,228) (21,509) (76.20) Purchase of Fixed Assets
Pembelian Aset Tak Berwujud (1,296) (5,453) (4,157) (76.22) Purchase of Intangible Assets
Sale/(Purchase) of Marketable
Pembelian/(Penjualan) Efek-Efek (916,575) 1,183,355 (2,099,930) (177.46)
Securities
Arus Kas Bersih (Digunakan untuk)/ Net Cash Flows (Used in)/Provided
(917,295) 1,150,587 (2,067,882) (179.72)
Diperoleh dari Aktivitas Investasi from Investing Activities
Arus Kas dari Aktivitas Pendanaan Cash Flows from Financing Activities
Penambahan Modal Disetor 99,184 - 99,184 100.00 Additional Paid-In Capital
Penerbitan Obligasi 500,000 650,000 (150,000) (23.08) Bonds Issuance
Pelunasan Jatuh Tempo Obligasi (300,000) (200,000) 100,000 50.00 Bonds Repayment
Arus Kas Bersih Diperoleh dari Net Cash Flows Provided from
299,184 450,000 (150,816) (33.51)
Aktivitas Pendanaan Financing Activities
(Penurunan)/Kenaikan Bersih Kas (Decrease)/Increase of Cash and

(1,762,519) 257,346 (2,019,865) (784.88)
dan Setara Kas Cash Equivalents
Kas dan Setara Kas pada Awal Cash and Cash Equivalents At
3,908,258 3,650,912 257,346 7.05
Tahun Beginning of Year
Kas dan Setara Kas pada Akhir Cash and Cash Equivalents At End
2,145,739 3,908,258 (1,762,519) (45.10)
Tahun of Year
Arus Kas untuk Aktivitas Operasi Cash Flows for Operating Activities
Arus kas bersih digunakan untuk aktivitas operasi pada tahun Net cash flows used for operating activities in 2019 was recorded
2019 tercatat sebesar Rp1,14 triliun, naik Rp198,83 miliar atau at Rp1.14 trillion, an increase of Rp198.83 billion or 14.80%
14,80% dibanding tahun 2018 sebesar Rp1,34 triliun. Arus kas compared to that of 2018 of Rp1.34 trillion. This cash flow was
ini khususnya digunakan untuk pembayaran bunga dan syariah particularly used for payment of interest and sharia expense of
Rp1,95 triliun, pinjaman yang diberikan Rp1,14 triiliun, simpanan Rp1.95 trillion, loans of Rp1.14 trillion, deposits from other banks
dari bank lain Rp926,04 miliar, dan agunan yang diambil alih of Rp926.04 billion, and foreclosed assets of Rp343.31 billion in
Rp343,31 miliar pada tahun 2019. 2019.
Arus Kas (dari) untuk Aktivitas Investasi Cash Flows from (for) Investing Activities
Pada tahun 2019, arus kas bersih digunakan untuk aktivitas In 2019, net cash flows used for investing activities was recorded
investasi tercatat sebesar Rp917,30 miliar, turun Rp2,07 triliun at Rp917.30 billion, a decrease of Rp2.07 trillion or 179.72%
atau 179,72% dibandingkan tahun 2018 yang mencatatkan compared to that of 2018 which recorded a profit of Rp1.15 trillion.
perolehan keuntungan sebesar Rp1,15 triliun. Penurunan tersebut The decrease was due to in 2019 Bank Victoria purchased fixed
dikarenakan pada tahun 2019 Bank Victoria melakukan pembelian assets of Rp6.72 trillion, intangible fixed assets of Rp1.23 trillion
aset tetap Rp6,72 triliun, aset tetap tak ber berwujud Rp1,23 and marketable securities of Rp916.58 trillion.
triliun, dan efek efek Rp916,58 triliun.
Arus Kas dari Aktivitas Pendanaan Cash Flows from Financing Activities
Arus kas bersih diperoleh dari aktivitas pendanaan pada tahun Net cash flows obtained from financing activities in 2019 was
2019 tercatat sebesar Rp299,18 miliar, turun Rp150,82 miliar atau recorded at Rp299.18 billion, a decrease of Rp150.82 billion
33,51% dibanding tahun 2018 sebesar Rp450,00 miliar. Penurunan or 33.51% compared to that of 2018 of Rp450.00 billion. The
tersebut khususnya disebabkan oleh penerbitan obligasi sebesar decrease was particularly caused by bonds issued amounting to
Rp500,00 miliar. Rp500.00 billion.
Tingkat Kesehatan Bank Bank Soundness Level

Bank Victoria melakukan penilaian atas tingkat kesehatan Bank Bank Victoria performs assessment on the Bank’s sound level by
dengan berpedoman pada Peraturan Otoritas Jasa Keuangan No. referring to the Financial Services Authority Regulation No. 4/
4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Industri POJK.03/2016 on Sound Level Assessment of Banking Industry

Perbankan Menggunakan Pendekatan Risiko. Tingkat kesehatan by Using Risk Approach. The Bank’s sound level is measured
Bank diukur berdasarkan risiko dan kinerja Bank, yang dijabarkan based on the Bank’s risks and performance, which is elaborated
dalam 4 (empat) faktor, yaitu: profil risiko, tata kelola perusahaan, in 4 (four) factors, which are: risk profile, corporate governance,
rentabilitas, dan permodalan. profitability, and capital.
Pada tahun 2019, Bank Bank Victoria mendapatkan Peringkat In 2019, Bank Victoria received a Composite Score of 2 (two)
Komposit 2 (dua) untuk tingkat kesehatan. Peringkat ini menunjukkan for its sound level. This score shows that the Bank’s condition
bahwa kondisi Bank secara umum sehat dan mampu melanjutkan is generally healthy and able to continue its business amid
bisnisnya di tengah berbagai pengaruh negatif yang signifikan akibat the significant negative influence due to changes in business
perubahan kondisi bisnis dan faktor eksternal lainnya. condition and other external factors.
Rasio Keuangan Penting Significant Financial Ratios

Rasio-rasio keuangan yang relevan bagi bisnis Bank Victoria The financial ratios that are relevant for Bank Victoria’s business
tercantum dalam tabel berikut. are listed in the following table.
Tabel Rasio Keuangan Penting*

Table of Significant Financial Ratios*
(dalam %/ in %)

Rasio Kinerja Performance Ratio
Kewajiban Penyediaan Modal Minimum (KPMM) Capital Adequacy Ratio (CAR) for Credit,
17.29 16.73
untuk Risiko Kredit, Operasional, dan Pasar Operational, and Market Risks
Aset Produktif Bermasalah dan Aset Non- Non-Performing Earning Assets and Non-
Produktif Bermasalah terhadap Total Aset 6.30 2.36 Performing Non-Earning Assets to Total Earning
Produktif dan Non Produktif Assets and Non-Earning Assets
Aset Produktif Bermasalah terhadap Total Aset Non-Performing Earning Assets to Total Earning
4.42 2.10
Produktif Assets
Cadangan Kerugian Penurunan Nilai (CKPN) Aset Allowance for Impairment Losses (CKPN) of
1.48 1.38
Keuangan terhadap Aset Produktif Financial Assets to Earning Assets
NPL bruto 6.77 3.48 Gross NPL
NPL neto 4.96 1.90 Net NPL
Imbal Hasil atas Aset (ROA) (0.09) 0.33 Return on Assets (ROA)
Imbal Hasil atas Ekuitas (ROE) (0.57) 3.41 Return on Equity (ROE)
Margin Bunga Bersih (NIM) 1.07 1.82 Net Interest Margin (NIM)
Beban Operasional terhadap Pendapatan

100.69 100.24 Operating Expenses to Operating Income (BOPO)
Operasional (BOPO)
Rasio Pinjaman terhadap Dana Pihak Ketiga (LDR) 74.46 73.61 Loan to Deposit Ratio (LDR)
Rasio Pinjaman terhadap Pendanaan (LFR) 72.84 72.32 Loan to Funding Ratio (LFR)
Rasio Dana Murah (CASA) 16.92 16.26 Low-Cost Fund Ratio (CASA)
Rasio Kepatuhan Compliance Ratios
Persentase Pelanggaran BMPK Percentage of LLL Violation
Pihak Terkait 0 0 Related Parties
Pihak Tidak Terkait 0 0 Non-Related Parties
Persentase Pelampauan BMPK Percentage of LLL Excess
Pihak Terkait 0 0 Related Parties
Pihak Tidak Terkait 0 0 Non-Related Parties


Giro Wajib Minimum (GWM) Bank Umum - Minimum Statutory Reserve (GWM) of
Konvensional Commercial Banks – Conventional
Rupiah Rupiah
GWM Wajib Minimum**) 7.79 7.26 Minimum Statutory GWM**)
Penyangga Likuiditas Makroprudensial ***) 13.03 13.84 Macroprudential Liquidity Buffer***)
Minimum Reserve Requirements Ratio of

GMW Rasio Intermediasi Makroprudensial ****) 0.43 0.41
Macroprudential Intermediation****)
Valuta Asing 8.05 8.09 Foreign Currencies
Minimum Statutory Reserve (GWM) of Sharia

Giro Wajib Minimum (GWM) Bank Syariah
Banks
Rupiah Rupiah
GWM Wajib Minimum*) 4.53 5.11 Minimum Statutory GWM*)
Posisi devisa neto (PDN) secara keseluruhan 0.29 0.47 Net Open Position (NOP) in overall
* : Merupakan angka PT Bank Victoria International Tbk (induk saja)/ The figure is of PT Bank Victoria International Tbk (parent only)
** : Sebelumnya Giro Wajib Minimum Primer/ Previously Primary Minimum Statutory Reserve
*** : Sebelumnya Giro Wajib Minimum Sekunder/ Previously Secondary Minimum Statutory Reserve
**** : Sebelumnya Giro Wajib Minimum LFR/ Previously LFR Minimum Statutory Reserves
Kemampuan Membayar Utang dan Solvency and Receivables Collectability

Kolektibilitas Piutang
Kemampuan Membayar Utang Solvency
Kemampuan Bank Victoria dalam memenuhi seluruh kewajiban baik Bank Victoria's ability to meet all liabilities, both long-term
kewajiban jangka panjang maupun jangka pendek diukur melalui and short-term liabilities, is measured through several ratios,
beberapa rasio, yaitu rasio likuiditas dan rasio solvabilitas. Bank including liquidity ratio, solvency ratio, and profitability ratio.
Victoria senantiasa berkomitmen untuk memenuhi hak-hak kreditor Bank Victoria is always committed to meeting the creditor rights
dengan melakukan pembayaran pokok pinjaman dan bunganya by paying the loan principal and its interest in a timely manner.
secara tepat waktu. Rasio likuiditas digunakan untuk mengukur Liquidity ratio is used to measure the ability to pay current
kemampuan melunasi kewajiban jangka pendek, sedangkan liabilities, while solvency ratio is used to measure the ability to
rasio solvabilitas digunakan untuk digunakan untuk mengukur meet all non-current liabilities. The following are financial ratios
kemampuan memenuhi seluruh kewajiban. Berikut ini adalah rasio to measure liquidity and solvency of Bank Victoria.
keuangan untuk mengukur likuiditas dan solvabilitas Bank Victoria.
Hingga akhir tahun 2019, Bank Victoria memiliki tingkat Until the end of 2019, Bank Victoria had a good level of liquidity
likuiditas dan solvabilitas yang baik. Hal ini direpresentasikan and solvency. This is represented by the Bank’s ability to meet all
oleh kemampuan bank dalam memenuhi segala kewajiban jatuh obligations due in a timely manner, in terms of payment of debt’s
tempo secara tepat waktu, baik terhadap pembayaran pokok principal or interest expense. Below is the banking financial ratio.
utang ataupun beban bunganya. Berikut ini adalah rasio keuangan
perbankan.
Rasio Likuiditas Liquidity Ratios

Rasio aset likuid terhadap total aset dan rasio aset likuid terhadap The ratio of liquid assets to total assets and the ratio of liquid
pendanaan jangka pendek Bank pada posisi akhir tahun 2019 assets to short-term funding of the Bank at the end of 2019
tetap berada di atas ambang batas yang ditentukan. Rasio aset remained above the specified threshold. The ratio of liquid assets
likuid terhadap total aset Bank tercatat sebesar 22,33% dan to total assets of the Bank was recorded at 22.33% and liquid
aset likuid terhadap pendanaan jangka pendek tercatat sebesar assets to short-term funding was recorded at 29.29%. While at
29,29%. Sedangkan, pada akhir tahun 2019 rasio LFR Bank the end of 2019, Bank Victoria's LFR ratio was recorded at 72.84%.
Victoria tercatat sebesar 72,84%.
Rasio Solvabilitas Solvency Ratios

Rasio KPMM untuk risiko kredit, risiko operasional, dan risiko The Bank’s CAR Ratio for credit risk, operational risk, and market
pasar Bank pada tahun 2019 mencapai 17,29%, naik dibandingkan risk in 2019 reached 17.29%, an increase compared to the
dengan posisi tahun 2018 sebesar 16,73%. Nilai ini masih berada 2018 position of 16.73%. This figure is still above the specified
di atas ketentuan yang ditetapkan. Oleh karena itu permodalan provisions. Therefore, the Bank’s capital can be considered as in a
Bank dapat dikatakan masih berada dalam kondisi yang cukup considerably good condition.
baik.

Rasio Kepatuhan Compliance Ratios

Pada tahun 2019, rasio GWM primer Bank (bank konvensional) In 2019, the Bank’s primary GWM ratio (conventional bank) was
sebesar 7,79% untuk mata uang Rupiah dan 8,05% untuk valuta 7.79% for Rupiah currency and 8.05% for foreign currency. The
asing. Rasio GWM primer untuk Entitas Anak sebesar 4,53%. primary GWM ratio for Subsidiary is 4.53%. GWM RIM ratio for the
Rasio GWM RIM untuk Bank (bank konvensional) adalah 0,43%, Bank (conventional bank) is 0.43%, while GWM RIM for Subsidiary
sedangkan GWM RIM untuk Entitas Anak adalah nihil, karena RIM was nil, because the Subsidiary’s RIM was within the target range.
Entitas Anak berada dalam kisaran target RIM.
Sedangkan, untuk rasio GWM PLM Bank sebesar 13,03%. GWM Meanwhile, the Bank’s GWM PLM ratio was 13.03%. GWM PLM/
PLM/Sekunder yang dimiliki Bank dalam bentuk Sertifikat Bank Secondary maintained by the Bank comprised of Certificates
Indonesia (SBI), Surat Utang Negara (SUN), Surat Berharga of Bank Indonesia (“SBI”), Government Debenture Debt (“SUN”),
Syariah Negara (SBSN), dan/atau kelebihan saldo rekening Giro Sharia Government Securities (“SBSN”), and/or excess reserve of
Rupiah Bank dari GWM primer dan GWM RIM/LFR. the Bank’s Current Accounts in Rupiah over the primary GWM and
GWM RIM/LFR.
Bank telah memenuhi peraturan Bank Indonesia yang berlaku The Bank has complied with the applicable Bank Indonesia
tentang GMW bank umum konvensional dan Entitas Anak pada 31 regulations on GMW of conventional commercial banks and
Desember 2019 dan 2018. Subsidiary as of 31 December 2019 and 2018.
Kemampuan Membayar Utang dari Obligasi yang Ability to Pay Debt from Bonds Issued
Diterbitkan
Kemampuan membayar utang juga dapat tercermin berdasarkan The ability to pay debt can also be reflected based on the rating
peringkat dari efek-efek yang diterbitkan Bank Victoria yaitu of securities issued by Bank Victoria, which are Bonds. The
Obligasi. Efek-efek yang diterbitkan secara rutin dinilai oleh securities issued routinely are assessed by rating agency in
lembaga pemeringkatan guna mendukung kelayakan efek. order to support the feasibility of the securities. The quality of
Kualitas efek sangat ditentukan oleh kemampuan perusahaan securities is highly determined by the capability of the securities
penerbit efek dalam membayar efeknya pada saat jatuh tempo issuance company in paying its securities on the maturity date
dan kemampuannya membayar bunga atau kupon selama jangka and its ability to pay interest or coupon throughout the issuance
waktu penerbitan efek tersebut. Obligasi diterbitkan dicatatkan time period of the securities. Bonds issued are listed on Indonesia
di Bursa Efek Indonesia, Bank Victoria menggunakan Pefindo Stock Exchange, and Bank Victoria uses Pefindo as the rating
sebagai lembaga pemeringkat. agency.
Kemampuan Membayar Hutang dari Efek-Efek yang diterbitkan

Ability to Pay Debt from Securities Issued
Peringkat
Uraian Rating Description
2019 2018
Obligasi Berkelanjutan I Bank Victoria Tahap idA- oleh Pefindo idA- oleh Pefindo Bank Victoria Continuing Bonds I Phase I
I Tahun 2017 idA- by Pefindo idA- by Pefindo Year 2017
Obligasi Subordinasi Berkelanjutan I Bank idBBB oleh Pefindo idBBB oleh Pefindo Bank Victoria Continuing Subordination
Victoria Tahap I Tahun 2017 idBBB by Pefindo idBBB by Pefindo Bonds I Phase I Year 2017
Obligasi Berkelanjutan I Bank Victoria Tahap idA- oleh Pefindo idA- oleh Pefindo Bank Victoria Continuing Bonds I Phase II
II Tahun 2018 idA- by Pefindo idA- by Pefindo Year 2018
Obligasi Subordinasi Berkelanjutan I Bank idBBB oleh Pefindo idBBB oleh Pefindo Bank Victoria Continuing Subordination
Victoria Tahap II Tahun 2018 idBBB by Pefindo idBBB by Pefindo Bonds I Phase II Year 2018
Obligasi Berkelanjutan II Bank Victoria idA- oleh Pefindo Bank Victoria Continuing Bonds II Phase I
N/A
Tahap I Tahun 2019 idA- by Pefindo Year 2019
Obligasi Subordinasi Berkelanjutan II Bank idBBB oleh Pefindo Bank Victoria Continuing Subordination
N/A
Victoria Tahap I Tahun 2019 idBBB by Pefindo Bonds II Phase I Year 2019
Obligasi Subordinasi Berkelanjutan II Bank idBBB oleh Pefindo Bank Victoria Continuing Subordination
N/A
Victoria Tahap II Tahun 2019 idBBB by Pefindo Bonds II Phase II Year 2019

Arti Peringkat
Rating Definition
Peringkat
Uraian 2019
Rating
Obligor memiliki kapasitas yang kuat untuk memenuhi komitmen keuangan jangka
panjangnya dibandingkan dengan obligor Indonesia lainnya. Namun, obligor agak lebih rentan
terhadap efek buruk dari perubahan keadaan dan kondisi ekonomi dibandingkan obligor yang
lebih tinggi. Tanda Minus (-) menunjukkan bahwa peringkat tersebut relatif lemah di masing-
PT Pemeringkat Efek Indonesia (Pefindo) idA masing kategori peringkat.
Obligor has strong capacity to meet the long term financial commitment compared to other
Indonesian obligors. However, obligor is considerably more vulnerable to the adverse effect
of condition change and economic condition compared to higher obligor. Minus sign (-) shows
that the rating is relatively weak in the respective rating category.
Obligor dengan peringkat idBBB memiliki kapasitas yang relatif memadai untuk memenuhi
komitmen keuangan jangka panjangnya terhadap obligor Indonesia lainnya. Namun,
kondisi ekonomi buruk atau perubahan keadaan lebih cenderung mengarah pada kapasitas
idBBB melemahnya obligor untuk memenuhi komitmen keuangannya.
Obligor with idBBB rating has relatively adequate capacity to meet long term financial
commitment to other Indonesian obligors. However, adverse economic condition or condition
change tend to lead to the weakening capacity of obligor to meet its financial commitment.
Rentabilitas Bank Bank’s Profitability

Pada tahun 2019, kinerja rasio keuangan relatif menurun In 2019, the financial ratio performance was relatively decreasing
dibandingkan dengan kinerja rasio di tahun 2018. Rasio NIM sedikit compared to the ratio performance in 2018. NIM ratio slightly
menurun dari sebesar 1,82% di tahun 2018 menjadi sebesar 1,07% di decreased from 1.82% in 2018 to 1.07% in 2019. This decline was
tahun 2019. Penurunan ini terjadi melemahnya kualitas kredit Bank due to the weakening of the Bank's credit quality supported by the
didukung oleh kondisi ekonomi yang belum mengalami peningkatan economic conditions that were not yet experienced a significant
signifikan di tahun 2019. Hal tersebut ditunjukkan oleh ROA yang increase in 2019. This is shown by the decrease in ROA from 0.28%
menurun dari 0,28% di tahun 2018 menjadi -0,05% di tahun 2019, in 2018 to -0.05% in 2019, while ROE decreased along with ROA to
sementara ROE mengalami penurunan seiring dengan ROA menjadi -0.48% in 2019 from 2.81% in 2018.
-0,48% di tahun 2019, dari 2,81% di tahun 2018.
Kolektibilitas Piutang Receivables Collectability

Bank Victoria mengukur kolektibilitas piutang menggunakan Bank Victoria measures the receivables collectability by using the
indikator rasio pinjaman bermasalah (NPL). Di tahun 2019, Non-Performing Loans (NPL) ratio indicators. In 2019, the Bank’s
NPL neto meningkat dari 1,90% di 2018 menjadi 4,96% di 2019. net NPL increased from 1.90% in 2018 to 4.96% in 2019. Based on
Berdasarkan kolektibilitas sesuai peraturan Bank Indonesia, the collectability according to Bank Indonesia regulation, loans
pinjaman yang dikelola Bank secara konsolidasian diklasifikasikan managed by the Bank in a consolidated manner is classified as
sebagai berikut. follows.
Kolektibilitas Pinjaman
Receivables Collectability
(dalam juta Rupiah/ in million Rup)
2019 2018
Uraian Pokok Cadangan Pokok Cadangan Description
Principal Allowance Principal Allowance
Lancar 14,855,400 (22,445) 14,273,474 (30,118) Current
Dalam Perhatian Khusus 1,439,484 (53,682) 1,542,876 (13,974) Special Mention
Kurang Lancar 257,463 (27,584) 14,010 (657) Substandard
Diragukan 172,022 (83,834) 69,354 (20,133) Doubtful
Macet 715,751 (197,836) 493,882 (225,943) Loss
Total 17,440,120 (385,381) 16,393,596 (290,825) Total

Kontribusi kepada Negara Contribution to the State

Bank Victoria telah berkontribusi terhadap negara dari segi Bank Victoria has contributed to the state in terms of finance.
finansial. Kontribusi tersebut berkaitan dengan pembayaran The contribution relates to the payment of tax obligations
kewajiban perpajakan yang berkenaan dengan pelaksanaan relating to the course of its business operations from year to year.
operasi bisnisnya dari tahun ke tahun. Hak dan kewajiban Bank Victoria’s taxation rights and obligations have been fully
perpajakan Bank Victoria telah sepenuhnya dilaksanakan implemented with reference to all relevant applicable regulations.
dengan mengacu kepada semua peraturan terkait yang berlaku. The Bank’s tax payments in 2019 and 2018 were:
Pembayaran pajak Bank di tahun 2019 dan 2018 adalah:
Pembayaran Pajak
Tax Payment
(dalam juta Rupiah/ in million Rupiah)

PPh Pasal 4 ayat (2) 320,150 297,058 Article 4 paragraph (2) Income Tax
PPh Pasal 21 15,033 13,396 Article 21 Income Tax
PPh Pasal 23/26 628 667 Article 23/26 Income Tax
PPh Pasal 25 6,940 25,372 Article 25 Income Tax
PPN 931 179 VAT
Total 343,682 336,672 Total
Struktur Modal Capital Structure

Kebijakan Manajemen atas Struktur Modal dan Management Policy on Capital Structure and Basis
Dasar Pemilihannya of Selection
Kebijakan Bank atas kebijakan pengelolaan modal memiliki tujuan The Bank's policy on capital management policy has the main
utama untuk memastikan bahwa Bank memiliki modal yang kuat objective to ensure that the Bank has strong capital to support
untuk mendukung strategi pengembangan ekspansi usaha Bank the Bank's current business expansion strategy. In addition, the
saat ini. Selain itu juga untuk mempertahankan kelangsungan capital policy is also established to maintain future development,
pengembangan di masa mendatang, dan untuk memenuhi to meet the capital adequacy requirements set by the regulators,
ketentuan kecukupan permodalan yang ditetapkan oleh regulator and to ensure that the Bank's capital structure has been efficient.
serta memastikan agar struktur permodalan Bank telah efisien.
Penyusunan rencana permodalan dilakukan berdasarkan Capital plan is prepared based on review and assessment on
penilaian dari penelaahan atas kebutuhan kecukupan permodalan the capital adequacy requirements and combines them with
yang dipersyaratkan, dan mengkombinasikannya dengan review on the latest economic development. The Bank will always
tinjauan perkembangan ekonomi terkini. Bank senantiasa akan connect the financial objective with capital adequacy to risk
menghubungkan tujuan keuangan dan kecukupan modal terhadap through capital planning process, as well as business based on
risiko melalui proses perencanaan modal, begitu pula dengan bisnis capital and liquidity requirement of the Bank.
yang didasarkan pada permodalan dan persyaratan likuiditas Bank.
Kebutuhan permodalan Bank juga direncanakan dan didiskusikan The Bank’s capital needs are also planned and discussed regularly
secara rutin yang didukung dengan data analisis. Permodalan with the support of analytical data. The Capital Plan is prepared
disusun oleh Direksi sebagai bagian dari Rencana Bisnis Bank by the Board of Directors as part of the Bank's Business Plan
dan disetujui oleh Dewan Komisaris. Perencanaan ini diharapkan and approved by the Board of Commissioners. This planning is
akan memastikan tersedianya modal yang cukup dan terciptanya expected to assure the availability of adequate capital and the
struktur permodalan yang optimal. creation of optimum capital.
Bank Victoria juga telah mematuhi semua persyaratan modal yang Bank Victoria has complied with all capital requirements
ditetapkan oleh pihak eksternal sepanjang periode pelaporan, stipulated by external parties throughout the reporting period,
khususnya berkenaan dengan perhitungan Kewajiban Penyediaan specifically related to the calculation of Capital Adequacy Ratio
Modal Minimum (KPMM) dan Aktiva Tertimbang Menurut Risiko (CAR) and Risk Weighted Assets (RWA).
(ATMR).

Rincian Struktur Modal Details of Capital Structure

Perhitungan kecukupan modal dilakukan berdasarkan ketentuan Capital adequacy is calculated based on the applicable Bank
Bank Indonesia yang berlaku, di mana modal yang dimiliki Indonesia regulations, where the capital owned is classified in
diklasifikasikan dalam 2 (dua) Tier yaitu Modal Tier I dan Modal 2 (two) Tiers, namely Tier I Capital and Tier II Capital. The Bank’s
Tier II. Kewajiban penyediaan modal Bank ditentukan dengan obligations for capital provision is determined by calculating
memperhitungkan risiko kredit, risiko operasional, dan risiko pasar. credit risk, operational risk, and market risk.
Tabel Struktur Permodalan

Table of Capital Structure
Pertumbuhan
Rp %
Konsolidasi Consolidation
Modal Capital
Tier I 2,626,590 2,572,774 53,816 2.09 Tier I
Tier II 1,001,477 705,918 295,560 41.87 Tier II
Total Modal 3,628,067 3,278,692 349,375 10.66 Total Capital
ATMR untuk Risiko Kredit 18,654,742 18,197,050 457,692 2.52 RWA for Credit Risk
ATMR untuk Risiko Operasional 1,294,885 1,110,702 184,183 16.58 RWA for Operational Risk
ATMR untuk Risiko Pasar 505,029 263,683 241,345 91.53 RWA for Market Risk
KPMM untuk Risiko Kredit dan Risiko 18.19 16.98 0.01 7.13 CAR for Credit Risk and Operational
Operasional (%) Risk (%)
KPMM untuk Risiko Kredit, Risiko 17.74 16.75 0.01 5.91 CAR for Credit Risk, Operational Risk,
Operasional, dan Risiko Pasar (%) and Market Risk (%)
Rasio KPMM yang Diwajibkan (%) 8.00 8.00 0.00 0.00 Required CAR Ratio (%)
Bank Bank
Modal Capital
Tier I 2,309,345 2,316,944 (7,599) (0.33) Tier I
Tier II 999,275 698,915 300,360 42.98 Tier II
Total Modal 3,308,620 3,015,859 292,761 9.71 Total Capital
ATMR untuk Risiko Kredit 17,438,881 16,738,764 700,118 4.18 RWA for Credit Risk
ATMR untuk Risiko Operasional 1,190,926 1,024,619 166,307 16.23 RWA for Operational Risk
ATMR untuk Risiko Pasar 505,028 263,683 241,345 91.53 RWA for Market Risk
KPMM untuk Risiko Kredit dan Risiko 17.76 16.98 0.01 4.59 CAR for Credit Risk and Operational
Operasional (%) Risk (%)
KPMM untuk Risiko Kredit, Risiko 17.29 16.73 0.01 3.35 CAR for Credit Risk, Operational Risk,
Rasio KPMM yang Diwajibkan (%) 8.00 8.00 0.00 0.00 Mandatory CAR Ratio (%)
Ikatan Material atas Investasi Barang Material Commitments on Capital Goods

Modal Investment
Bank Victoria dan Entitas Anak tidak memiliki ikatan material Bank Victoria and its Subsidiaries did not make any material
terkait investasi barang modal pada tahun 2019. Seluruh kegiatan commitments related to capital goods investments in 2019.
investasi barang modal dalam bentuk bangunan, kendaraan All activities of capital goods investment in the forms of
bermotor, mesin-mesin dan peralatan, perlengkapan dan buildings, vehicles, machinery and equipment, office furniture
perabotan kantor, serta aset pra-operasional, dibiayai secara and equipment, and pre-operational assets, are independently
mandiri oleh Bank. funded by the Bank.

Realisasi Investasi Barang Modal Realization of Capital Goods Investment

Investasi barang modal yang direalisasi pada tahun 2019 sebesar Capital goods investment realized in 2019 was Rp5.89 billion.
Rp5,89 miliar. Adapun rincian terkait nilai investasi barang modal Details related to capital goods investment value are described
diuraikan dalam tabel sebagai berikut. in the table as follows.
Penambahan Investasi Barang Modal
Additions of Capital Goods Investment
Pertumbuhan
Rp %
Bangunan 3,403 7,681 (4,278) (55.70) Buildings
Kendaraan bermotor 426 4,468 (4,042) (90,48) Vehicles
Mesin-mesin dan peralatan 1,558 2,981 (1,423) (47.74) Machinery and equipment
Perlengkapan dan perabotan kantor 438 834 (396) (47.48) Office furniture and equipment
Aset tetap dalam proses pembangunan 60 8,199 (8,139) (99.27) Assets under construction
Total 5,885 24,163 (18,278) (75.64) Total
Tujuan Investasi Barang Modal Objectives of Capital Goods Investment

Penambahan investasi barang modal tersebut bertujuan Additions of capital goods investment aim to support and
mendukung dan menunjang aktivitas operasional kegiatan Bank assist the Bank’s overall operational activities in strengthening
secara menyeluruh dalam memperkuat kegiatan kegiatan usaha. its business. This is expected to greatly contribute in the
Hal tersebut diharapkan mampu memberikan kontribusi yang development and growth of the Bank in the future.
besar dalam pengembangan dan pertumbuhan Bank ke depan.
Derivatif dan Fasilitas Lindung Nilai Derivative and Hedging Facilities

Pada tahun 2019 dan 2018, Bank Victoria tidak melakukan kegiatan Throughout 2019 and 2018, Bank Victoria did not conduct any
yang berhubungan dengan transaksi derivatif ataupun fasilitas activities involving derivative transactions or hedging facilities.
lindung nilai.
Dampak Perubahan Tingkat Suku Bunga Impact of Changes of Bank’s Interest

terhadap Kinerja Bank Victoria Tahun 2019 Rates to Bank Victoria’s Performance in
2019
Selama tahun 2019, Bank Indonesia melakukan penurunan Throughout 2019, Bank Indonesia gradually reduced the
suku bunga acuan secara bertahap sebanyak 4 (empat) kali. benchmark interest rate by 4 (four) times. This was done as an
Hal tersebut dilakukan sebagai upaya untuk menjaga stabilitas effort to maintain the stability of domestic economy and financial
perekonomian domestik dan sistem keuangan, serta memperkuat system, and to strengthen the momentum of economic recovery.
momentum pemulihan ekonomi.
Tanggal Penurunan Menjadi (%)

Date Decrease To (%)
18 Juli 2019/ 18 July 2019 25 bps 5.75
22 Agustus 2019/ 22 August 2019 25 bps 5.50
19 September 2019 25 bps 5.25
24 Oktober 2019/ 24 October 2019 25 bps 5.00
Kebijakan penurunan suku bunga ini didukung strategi operasi This interest rate reduction policy was supported by a monetary
moneter yang terus diperkuat untuk menjaga kecukupan likuiditas operation strategy that continued to be strengthened in order
dan mendukung transmisi bauran kebijakan yang akomodatif. to maintain adequate liquidity and to support the transmission

Namun demikian, penurunan suku bunga tersebut menyebabkan of an accommodative policy mix. Nevertheless, the decline in
suku bunga Bank Victoria mengalami koreksi sebagaimana interest rates caused Bank Victoria's interest rates experienced
tercermin dari cost of fund Bank yang naik dari 6,88% di tahun a correction as reflected by the Bank's cost of funds which rose
2018 menjadi 7,36% di tahun 2019. Peningkatan suku bunga ini from 6.88% in 2018 to 7.36% in 2019. This rate increased did not
tidak terlampau berpengaruh terhadap kinerja pendanaan Bank, significantly affect the Bank's funding performance, because the
karena pendanaan Bank bersifat evergreen, yang tercermin dari Bank's funding is evergreen, which is reflected in the core deposit
rasio core deposit pada kisaran 25,18%. Total DPK Bank Victoria ratio at around 25.18%. Bank Victoria's total DPK also increased to
juga mengalami kenaikan menjadi Rp21,76 triliun di tahun 2019. Rp21.76 trillion in 2019.
Perbandingan Target dan Realisasi Tahun Comparison of Target and Realization in

2019 2019
Berikut perbandingan antara target dengan realisasi kinerja Bank Below is the comparison between the target and realization of the
Victoria (Entitas Induk saja) di tahun 2019. Bank Victoria's (Parent Entitiy only) performance in 2019.
Pencapaian
Target RBB 2019 Realisasi 2019
Uraian Achievement Description
2019 RBB Target 2019 Realization
(%)
Ringkasan neraca Summary of Balance Sheet
Total Aset 29,350 28,548 97.27 Total Assets

1,702 208 12.20
dan Bank Lain Other Banks
Surat Berharga 7,921 7,199 90.89 Marketable Securities
Kredit yang Diberikan 16,839 16,209 96.25 Loans
Penyertaan Saham – neto 585 439 75.08 Investments in Shares - net
Agunan yang Diambil Alih – neto 486 1,154 237.44 Foreclosed Assets - net
Komponen Aset Lainnya 1,821 3,339 183.38 Other Components of Assets
Total Liabilitas 26,261 25,562 97.34 Total Liabilities
Total Dana Pihak Ketiga 22,157 21,768 98.25 Total Third Party Funds
Giro 1,416 915 64.59 Demand Deposits
Tabungan 3,467 2,777 80.11 Savings Deposits
Deposito Berjangka 17,274 18,076 104.65 Time Deposits
Surat Berharga 1,091 1,780 163.20 Marketable Securities
Komponen Liabilitas Lainnya 3,014 2,014 66.83 Other Components of Liability
Total Ekuitas 3,089 2,986 96.66 Total Equity
Modal Disetor dan Tambahan Modal Fully Paid Capital and Additional
1,180 1,178 99.80
Disetor Paid-In Capital
Akumulasi Laba/(Rugi) 1,387 1,420 102.39 Accumulated Profit/(Loss)
Komponen Ekuitas Lainnya 522 388 74.40 Other Components of Equity
Ringkasan laba/(rugi) Summary of Profit/(Loss)
Pendapatan Bunga – neto 460 220 47.85 Interest Income - net
Pendapatan/(Beban) Operasional Selain Income/(Expenses) from Operations

(361) (237) 65.51
Bunga – neto Other than Interest - net
(Laba)/Rugi Operasional 135 (17) (12.24) Operating Profit/(Loss)
Pendapatan/(Beban) Non Operasional Non-Operating Income/(Expenses)

51 (8) (16.52)
– neto - net

Pencapaian
Target RBB 2019 Realisasi 2019
Uraian Achievement Description
2019 RBB Target 2019 Realization
(%)
(Laba)/Rugi Sebelum Beban Pajak Profit/(Loss) Before Income Tax
186 (25) (13.41)
Penghasilan Expense
Beban Pajak Penghasilan – neto (41) 11 (26.85) Income Tax Expense - net
(Laba)/Rugi Bersih Tahun Berjalan 144 (14) (9.56) Net (Income)/Loss For The Year
KPMM untuk Risiko Kredit, Risiko CAR for Credit Risk, Operational Risk,
18.05 17.29 95.80

Pencapaian kredit yang diberikan Bank Victoria pada tahun 2019 The achievement of loans by Bank Victoria in 2019 reached
mencapai Rp16,21 triliun atau 96,25% dari target yang ditetapkan Rp16.21 trillion or 96.25% of the target set at Rp16.84 trillion.
sebesar Rp16,84 triliun. Upaya pencapaian pertumbuhan Efforts to achieve credit portfolio growth continue to be carried
portofolio kredit tetap dilakukan secara berkesinambungan out continuously by keep monitoring the fulfillment of pipeline
dengan terus memantau pemenuhan pipeline dan pengefektifan and effectiveness of prudent credit process. In this matter, the
proses kredit yang prudent. Dalam hal ini Bank melakukan Bank centralizes the credit process, changes the organizational
sentralisasi proses kredit, perubahan struktur organisasi dan structure, and optimizes the use of outstanding facilities.
mengoptimalisasikan pemakaian outstanding fasilitas.
Realisasi DPK Bank Victoria per Desember 2019 sebesar Rp21,77 Bank Victoria’s DPK realization as of December 2019 was Rp21.77
triliun atau mencapai 98,25% dari target sebesar Rp22,16 triliun. trillion or reached 98.25% of the target set at Rp22.16 trillion. The
Tingkat permodalan yang ditunjukkan dari rasio KPMM untuk level of capital indicated by CAR ratio or credit risk, operational
risiko kredit, risiko operasional, dan risiko pasar pada tahun 2019 risk, and market risk in 2019 was also still relatively good, with
juga masih cukup baik, dengan capaian 17,29%. Angka ini masih 17.29% achievement. This figure is still above the stipulated
berada diatas ketentuan yang ditetapkan, meskipun di bawah regulation, even though it is below the RBB target of 18.05%.
target RBB sebesar 18,05%.
Berdasarkan capaian tersebut, secara umum rencana bisnis Based on these achievements, in general the business plan for
tahun 2019 belum dapat terpenuhi dikarenakan tekanan 2019 was not yet fulfilled due to the macroeconomic pressure that
ekonomi makro yang berdampak pada seluruh industri yang impacted all industries, in this matter, affecting the ability to pay
dalam hal ini mempengaruhi kemampuan bayar debitur. Dalam debtors. In terms of economic growth, this also has an impact on
hal pertumbuhan ekonomi, hal ini juga memberi dampak pada the slow growth due to the industry not expanding, thus, business
lambatnya pertumbuhan akibat dari industri yang tidak melakukan growth is not optimal. However, Bank Victoria continues to strive
ekspansi, sehingga pertumbuhan bisnis tidak maksimal. Namun to meet these targets through directed business strategies.
demikian, Bank Victoria tetap berupaya untuk memenuhi target
tersebut melalui strategi bisnis yang terarah.
Realisasi 2019 dan Proyeksi Tahun 2020 2019 Realization and 2020 Projections
Target dan proyeksi Bank Victoria (Entitas Induk saja) pada tahun Bank Victoria's (Parent Entitiy only) targets and projections for
2020 terlihat pada tabel berikut. 2020 can be seen in the following table.
Realisasi 2019 Proyeksi 2020

Uraian Description
2019 Realization 2020 Projections
Ringkasan neraca Summary of Balance Sheet
Total Aset 28,548 31,603 Total Assets
Kredit yang Diberikan 16,209 17,660 Loans
Total Liabilitas 25,562 28,704 Total Liabilities

Realisasi 2019 Proyeksi 2020

Uraian Description
2019 Realization 2020 Projections
Total Dana Pihak Ketiga 21,768 23,132 Total Third Party Funds
Total Ekuitas 2,986 2,899 Total Equity
Ringkasan Laba/(Rugi) Summary of Profit/(Loss)
Pendapatan Bunga – neto 220 288 Interest Income - net
Pendapatan/(Beban) Operasional Selain Bunga – Income/(Expenses) from Operations Other than

(237) 222
neto Interest - net
(Laba)/Rugi Operasional (17) 66 Operating Profit/(Loss)
Pendapatan/(Beban) Non Operasional – neto (8) 4 Non-Operating Income/(Expenses) - net
(Laba)/Rugi Sebelum Beban Pajak Penghasilan (25) 62 Profit/(Loss) Before Income Tax Expense
Beban Pajak Penghasilan – neto 11 (11) Income Tax Expense - net
(Laba)/Rugi Bersih Tahun Berjalan (14) 50 Net (Income)/Loss For The Year
KPMM untuk Risiko Kredit, Risiko Operasional, CAR for Credit Risk, Operational Risk, and Market
17.29 19.41
dan Risiko Pasar (%) Risk (%)
Total Kantor Total Offices
Kantor Cabang 14 16 Branch Offices
Kantor Cabang Pembantu 63 46 Sub-Branch Offices
Jaringan Kantor Lain (Kantor Kas, Payment Point, Other Office Network (Cash Office, Payment
8 7
dan Lainnya) Point, and Others)

Pada tahun 2020, Bank Victoria telah menyusun proyeksi untuk In 2020, Bank Victoria has prepared projections for loans at
kredit yang diberikan sebesar Rp17,66 triliun, DPK Rp23,13 triliun, Rp17.66 trillion, DPK at Rp23.13 trillion, net interest income at
pendapatan bunga neto Rp288 miliar, laba bersih tahun berjalan Rp288 billion, net income for the year at Rp50 billion, total assets
Rp50 miliar, total aset Rp31,60 triliun, total liabilitas Rp28,70 at Rp31.60 trillion, total liabilities at Rp28.70 trillion, and total
triliun, dan total ekuitas Rp2,90 triliun. equity at Rp2.90 trillion.
Secara bertahap dan konsisten Bank Victoria akan terus menjaga Gradually and consistently, Bank Victoria will continue to maintain
rasio permodalan dengan peringkat komposit 2 (dua) untuk its capital ratio with a composite rating of 2 (two) for its sound
tingkat kesehatannya. Target Bank di tahun 2020 untuk rasio level. The Bank's target in 2020 for CAR ratio for Credit Risk,
KPMM untuk Risiko Kredit, Risiko Operasional, dan Risiko Pasar Operational Risk, and Market Risk is to be able to reach 18.84%.
dapat mencapai 18,84%.
Asumsi dalam Menyusun Proyeksi Assumptions in Preparing Projections

Bank Victoria menggunakan asumsi makro dan mikro dalam Bank Victoria uses macro and micro assumptions in preparing
menyusun proyeksi pertumbuhan bisnis. Asumsi makro dan mikro its business development projections. The macro and micro
tersebut dipengaruhi oleh kondisi perekonomian saat ini dan assumptions are affected by the current economic condition and
perkiraan kondisi perekonomian di masa depan yang diperkirakan forecast of future economic condition, which are expected to be
akan dan masih dipengaruhi oleh kondisi ekonomi keuangan and still be influenced by the global financial economic condition
global dan kebijakan ekonomi pemerintah. and government economic policy.
Perkembangan realisasi asumsi dasar ekonomi makro 2020- The development of 2020-2022 macro economic basic
2022, dan proyeksi di tahun 2020 disajikan sebagai berikut. assumption realization and projection in 2020 are presented as
follows.

Aktual
Indikator Makro Ekonomi Actual Outlook 2019 RAPBN 2020
Macro Economic Indicator 2019 Outlook 2020 State Budget
2017 2018
Pertumbuhan Ekonomi (%)

5.10 5.20 5.20 5.30
Economic Growth (%)
Inflasi (%)
3.60 3.10 3.1 3.10
Inflation (%)
Kurs (Rp/USD)
13,384 14,247 14,250 14,400
Exchange rate (Rp/USD)
Suku Bunga SPN 3 Bulan (%)

5.00 5.00 5.60 5.40
SPN Interest Rate 3-month (%)
Harga Minyak ICP (USD/Barel)

51 68 63 65
ICP Oil Price (USD/Barrel)
Lifting Minyak (ribu barel/hari)

804 776 754 734
Oil Lifting (thousand barrels/day)
Lifting Gas (mboepd)

1,250 1,136 1,072 1,191
Gas Lifting (mboepd)
Pertumbuhan Kredit
- - - -
Loans Growth
Pertumbuhan DPK
- - - -
Third-party funds Growth
Sumber/ Source:
Kementerian Keuangan Republik Indonesia
Ministry of Finance of the Republic of Indonesia
Berdasarkan asumsi makro dan mikro ekonomi tersebut, maka Based on the above macro and micro economic assumptions, the
asumsi-asumsi suku bunga yang menyertai proyeksi keuangan interest rate assumptions accompanying the 2020-2022 financial
2020-2022 adalah sebagai berikut. projection are as follows.
Asumsi Suku Bunga

Interest Rate Assumption
(dalam %/ in %)
Bank’s RBB Interest Rate

Asumsi Suku Bunga RBB Bank 2022 2021 2020
Assumption
Aset Assets
Penempatan pada BI 4.50 - 6.50 4.50 - 6.50 4.50 -6.50 Placements with Bank Indonesia
Penempatan pada Bank Lain 4.00 - 6.00 4.00 - 6.00 4.00 - 6.00 Placements with other banks
Obligasi 6.50 - 7.50 6.50 - 7.50 6.50 - 7.50 Bonds
Kredit yang Diberikan 10.00-13.50 10.50-13.50 11.00-13.50 Loans
Liablilitas Liablilitas
Giro 2.00 - 3.00 2.50 - 3.50 3.00 - 4.00 Demand Deposits
Tabungan 3.00 - 4.00 3.50 -4.50 4.00 - 5.00 Savings Deposits
Deposito 6.00 - 7.50 6.50 - 8.00 7.00 - 8.25 Time Deposits
Simpanan pada Bank Lain 4.00 - 6.00 4.00 - 6.00 4.00 - 6.00 Deposits with Other Banks
Obligasi 9.00 - 12.00 9.00 - 12.00 9.00 - 12.00 Bonds

Informasi Material Setelah Tanggal Material Information Subsequent to the

Laporan Akuntan Accountant's Reporting Date
Selama tahun 2019, terdapat informasi dan fakta material yang Throughout 2019, material information and facts that occurred
terjadi setelah tanggal laporan akuntan Bank Victoria yang subsequent to the accountant's reporting date of Bank Victoria
ditunjukkan sebagai berikut. are as follows.
1. Dampak Corona Virus Disease (COVID-19) dan 1. Impact of Corona Virus Disease (COVID-19) and
Pengelolaan NPL NPL Management
a. Setelah tanggal laporan keuangan terdapat beberapa a. Subsequent to the financial statements date, there are
debitur Bank yang mengalami penurunan kualitas kredit several Bank debtors experiencing a decline in credit
menjadi non-performing loan termasuk satu debitur Bank quality to non-performing loans, including one Bank
dengan dengan total eksposur sebesar Rp 196.730.109 debtor with a total exposure of Rp196,730,109, whom as of
yang pada tanggal 31 Desember 2019 dilaporkan 31 December 2019 was reported to have the collectability
sebagai kolektibilitas dalam perhatian khusus. Hal ini of special mention. This can have an impact on the
dapat berdampak pada meningkatnya rasio NPL dari increase of NPL ratio of the Bank in 2020. Regarding
Bank di tahun 2020. Terkait hal ini Bank Victoria telah this matter, Bank Victoria has made efforts to improve
berupaya untuk memperbaiki kualitas kredit Bank dan the quality of Bank credit and maintain NPL ratio below
menjaga rasio NPL dibawah ketentuan maksimal yang the maximum limit required by the Financial Services
dipersyaratkan oleh Otoritas Jasa Keuangan dengan Authority by conducting the following activities.
melakukan hal-hal berikut.
• Melakukan cessie pinjaman untuk debitur • Conducting loan cessie for debtors who fall into the
yang masuk ke dalam kategori pinjaman yang category of non-performing loans;
bermasalah;
• Mentransfer pinjaman untuk debitur yang masuk ke • Transferring loans to debtors who fall into the
dalam kategori pinjaman yang bermasalah menjadi category of non-performing loans to foreclosed
AYDA dengan mengambil alih agunan yang dijaminkan assets (AYDA) by taking over the collateral guaranteed
oleh debitur; by the debtor;
• Membuat pembentukan cadangan kerugian • Preparing an additional allowance for impairment
penurunan nilai tambahan untuk pinjaman; losses for loans; and
dan
• Melakukan restrukturisasi pinjaman sesuai dengan • Conducting loan restructuring in accordance with
ketentuan dari Otoritas Jasa Keuangan. the provisions of Financial Services Authority.
b. Efek langsung dan tidak langsung dari wabah COVID-19 b. The direct and indirect effects of COVID-19 outbreak
telah berdampak pada ekonomi global, pasar, dan rekanan have impacted the global economy, markets, and the
dan debitur Bank. Bank telah melaksanakan Rencana Bank’s partners and debtors. The Bank has implemented
Kelangsungan Bisnis sesuai dengan Pedoman Otoritas a Business Continuity Plan in accordance with the
Jasa Keuangan dan praktik terbaik secara global. Hingga Financial Services Authority Guidelines and global best
tanggal penerbitan laporan keuangan konsolidasian, practices. As of the issuance date of the consolidated
Bank terus memantau dampak yang mungkin timbul dari financial statements, the Bank continues to monitor the
efek langsung atau tidak langsung dari wabah COVID-19 effects that may arise from the direct or indirect effects
di masa yang akan datang serta pengaruhnya terhadap of COVID-19 outbreak in the future and their effects on
kegiatan dan hasil operasional Perseroan. the Company’s operational activities and results.
2. Tarif Pajak 2. Tax Rates

a. Pada 31 Maret 2020, Pemerintah mengeluarkan a. On 31 March 2020, the Government issued Government
Peraturan Perundang-Undangan No. 1 Tahun 2020, Regulation in lieu of Law No. 1 of 2020, on State Financial
tentang Kebijakan Keuangan Negara dan Stabilitas Policy and Financial System Stability for Handling Corona
Sistem Keuangan untuk Penanganan Pandemi Corona Virus Disease (COVID-19) Pandemic and other threats
Virus Disease (COVID-19) dan ancaman lain yang dapat that can affect the national economy. By determining the
berdampak pada ekonomi nasional. Melalui penetapan State Budget and Financial Sector Policy, this regulation
APBN dan Kebijakan Sektor Keuangan, peraturan ini provides the Government an assessment of the impact
memberikan penilaian Pemerintah terhadap dampak of COVID-19 pandemic on Indonesia’s economic stability.
pandemi COVID-19 terhadap stabilitas ekonomi One of the clauses in this regulation is a reduction
Indonesia. Salah satu klausa dalam peraturan ini adalah in tax rates, which apply for the 2020 fiscal year and
pengurangan tarif pajak, yang berlaku untuk tahun fiskal onwards. This regulation takes effect immediately at
2020 dan seterusnya. Peraturan ini berlaku segera ketika announcement on 31 March 2020;
diumumkan pada tanggal 31 Maret 2020;

b. Perubahan tarif pajak yang dihasilkan dari Peraturan ini b. Changes in tax rates resulting from this Regulation are
diterapkan secara prospektif, sebagai akibatnya tidak applied prospectively, thus, there will be no impact on
akan ada dampak terhadap aset dan kewajiban pajak kini current tax assets and liabilities for the 2019 fiscal year.
untuk tahun fiskal 2019. Namun, saldo pajak tangguhan However, deferred tax balances are likely to be affected.
kemungkinan akan terpengaruh. Ini disebabkan aset dan This is because the deferred tax assets and liabilities
liabilitas pajak tangguhan harus diukur pada tarif pajak yang must be measured at the expected tax rates in the period
diharapkan berlaku pada periode saat aset direalisasikan when the assets are realized or the liabilities are settled.
atau liabilitas diselesaikan. Dampak keuangan yang The financial impact resulting from the changes in tax
dihasilkan dari perubahan tarif pajak tersebut adalah rates is a reduce to the balance of deferred tax assets as
pengurangan saldo aset pajak tangguhan pada tanggal 31 of 31 December 2019 of Rp2,087,874.
Desember 2019 sebesar Rp2.087.874,-.
Kebijakan Dividen Dividend Policy

Kebijakan Dividen Dividend Policy
Anggaran Dasar Bank Victoria mengatur bahwa besaran Bank Victoria’s Articles of Association stipulate that the
dividen disesuaikan dengan kemampuan Bank dan didasarkan dividend amount is adjusted to the Bank’s ability and is based
pada keputusan RUPS. Hal tersebut dilakukan dengan on the GMS resolutions. Such matter is done by considering the
mempertimbangkan kondisi keuangan dan tingkat kesehatan Bank’s financial condition and sound level, as well as all relevant
Bank, serta seluruh peraturan yang relevan di bidang perbankan. regulations in banking sector.
Pembagian Dividen Dividend Distribution

Pada tahun 2019, mempertimbangkan kondisi internalnya dan In 2019, after considering its internal conditions and in
sesuai keputusan Pemegang Saham dalam RUPS Tahunan. Bank accordance with the Shareholders resolutions at the Annual GMS,
Victoria tidak mendistribusikan dividen kepada Pemegang Saham. Bank Victoria did not distribute dividends to its Shareholders. Net
Laba bersih pada tahun 2019 digunakan untuk pengembangan income in 2019 will be used to develop Bank Victoria’s business.
usaha Bank Victoria.
Penggunaan Laba Bersih Tahun Buku 2018 Use of Net Income of 2018 Fiscal Year
Menyetujui penetapan penggunaan laba bersih Perseroan untuk Approved the determination of use of the Company’s net income
tahun buku yang berakhir pada tanggal 31 Desember 2018 sebesar for the fiscal year ending on 31 December 2018 of Rp79.08 billion,
Rp79,08 miliar dan oleh karena masih diperlukan dan untuk and because funds are still needed to develop the Bank’s business,
pengembangan usaha Bank, maka laba bersih tahun buku 2018 the net income for the 2018 fiscal year is proposed to be used as
tersebut diusulkan untuk dipergunakan sebagai berikut. follows.
1. Sebesar Rp11,20 miliar dibukukan untuk pembentukan dana 1. A total of Rp11.20 billion is recorded as the formation of a
cadangan umum guna memenuhi ketentuan Pasal 70 Undang- general reserve fund in order to comply with the provisions of
Undang No. 40 tahun 2007 tentang Perseroan Terbatas dan Article 70 of Law No. 40 of 2007 on Limited Liability Company,
pasal 24 Anggaran Dasar Perseroan. and Article 24 of the Company’s Articles of Association.
2. Sisanya sebesar Rp67,90 miliar akan dibukukan sebagai laba 2. The remaining amount of Rp67.90 billion is recorded as
ditahan. retained earnings.
Penggunaan Laba Bersih Tahun Buku 2017 Use of Net Income of 2017 Fiscal Year
Menyetujui penetapan penggunaan laba bersih Bank untuk tahun Approved the determination of use of the Bank’s net income for
buku yang berakhir pada tanggal 31 Desember 2017 sebesar the fiscal year ending on 31 December 2017 of Rp131.39 billion, and
Rp131,39 miliar dan oleh karena masih diperlukan dan untuk because funds are still needed to develop the Bank’s business,
pengembangan usaha Bank, maka laba bersih tahun buku 2017 the net income for the 2017 fiscal year is proposed to be used as
tersebut diusulkan untuk dipergunakan sebagai berikut. follows.
1. Sebesar Rp25,00 miliar dibukukan untuk pembentukan 1. A total of Rp25.00 billion is recorded as the formation of a
dana cadangan umum guna memenuhi ketentuan Pasal general reserve fund in order to comply with the provisions of
70 Undang-Undang No. 40 tahun 2007 tentang Perseroan Article 70 of Law No. 40 of 2007 on Limited Liability Company,
Terbatas dan pasal 24 Anggaran Dasar Perseroan. and Article 24 of the Company’s Articles of Association.
2. Sisanya sebesar Rp106,39 miliar akan dibukukan sebagai laba 2. The remaining amount of Rp106.39 billion is recorded as
ditahan. retained earnings.

Program Kepemilikan Saham oleh Employee and Management Stock

Manajemen dan Karyawan Ownership Plan
Sampai dengan tahun 2019, Bank Victoria tidak melaksanakan Until 2019, Bank Victoria did not execute the stock ownership
program kepemilikan saham oleh manajemen dan karyawan program for employees and management (ESOP and MSOP).
(ESOP dan MSOP). Hal tersebut sejalan dengan kebijakan internal This is in line with the Bank’s internal policies to prevent insider
Bank guna mencegah perdagangan orang dalam. trading.
Realisasi Penggunaan Dana Hasil Actual Use of Proceeds from Public

Penawaran Umum Offering
Bank Victoria telah melaporkan realisasi penggunaan dana Bank Victoria has reported its actual use of proceeds from public
hasil penawaran umum sesuai dengan Peraturan Otoritas Jasa offering in accordance with Financial Services Authority Regulation
Keuangan No. 30/POJK.04/2015 Laporan Realisasi Penggunaan No. 30/POJK.04/2015 on Report of Actual Use of Proceeds from
Dana Hasil Penawaran Umum. Laporan tersebut telah disampaikan Public Offering. The report was already submitted to the Financial
pada Otoritas Jasa Keuangan dengan Surat No. 035/DIR-EKS/07/19 Services Authority under the Letter No. 035/DIR-EKS/07/19 on 12
pada 12 Juli 2019 dan No. 043/DIR-EKS/01/20 pada 15 Januari 2020. July 2019 and No. 043/DIR-EKS/01/20 on 15 January 2020.
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Dana Realisasi Penggunaan Dana
Actual Value of Public Offering Proceeds Plan of Use of Proceeds Actual Use of Proceeds
Sisa Hasil
Modal Kerja Modal Kerja Penawaran
Jenis Penawaran Total Hasil
Biaya Dalam Rangka Dalam Rangka Umum
Umum Penawaran
Tanggal Penawaran Hasil Pengembangan Pengembangan
Umum Remaining
Type of Public Efektif Umum Bersih Usaha Usaha
Total Total Total Public
Offering Effective Public Net Working Working
Public Offering
Date Offering Proceeds Capital Related Capital Related Proceeds
Offering
Cost to Business to Business
Proceeds
Expansion Expansion
Obligasi Berkelanjutan
Il Bank Victoria Tahap
24 Juni
1 Tahun 2019
2019
Bank Victoria 100,000
24 June
Continuing Bonds II
2019
Phase I Year 2019
7,391 342,609 342,609 342,609 342,609 342,609 0
Obligasi Subordinasi
Berkelanjutan
24 Juni
Il Bank Victoria
2019
Tahap 1 Tahun 2019 250,000
24 June
Continuing
2019
Subordination Bonds
II Phase I Year 2019
24 Juni
Obligasi Subordinasi
2019/
Berkelanjutan II Bank
11 November
Victoria Tahap II
2019
Tahun 2019 150,000 2,257 147,742 147,742 147,742 147,742 147,742 0
24 June
Continuing
2019/ 11
Subordination Bonds
November
II Phase II Year 2019
2019
Informasi Material Mengenai Investasi, Material Information on Investment,

Ekspansi, Divestasi, Akuisisi, atau Expansion, Divestment, Acquisition, or
Restrukturisasi Utang dan Modal Debt and Capital Restructuring
Investasi Investment
Bank Victoria dan Entitas Anak melakukan investasi dalam efek- Bank Victoria and its Subsidiary invest in short-term marketable
efek jangka pendek. Rincian efek-efek yang dimiliki selama tahun securities. Details of securities owned throughout 2019 and 2018
2019 dan 2018 disajikan sebagai berikut. are presented as follows.

Diperdagangkan Trading
Reksadana 1,278,141 600,716 Mutual Funds
Surat Berharga Syariah Negara 16,894 - Government Sharia Bonds
Tersedia untuk Dijual Available for Sale
Surat Utang Negara 2,316,954 1,678,412 Government Promissory Notes
Obligasi Korporasi 1,144,522 1,079,236 Corporate Bonds
Surat Berharga Syariah Negara 381,936 162,789 Government Sharia Bonds
Reksadana 110,797 99,747 Mutual Funds
Surat Berharga Syariah Korporasi 96,549 - Corporate Sharia Bonds
Wesel Jangka Menengah 58,000 100,000 Medium-Term Notes
Dimiliki hingga jatuh tempo Hold to Maturity
Reksadana 1,457,838 1,262,642 Mutual Funds
Surat Utang Negara 805,739 1,174,458 Government Promissory Notes
Obligasi Korporasi 32,987 231,064 Corporate Bonds
Surat Berharga Komersial 9,357 - Commercial Paper
Wesel Jangka Menengah - 185,435 Medium-Term Notes
Diukur pada Biaya Perolehan At Cost
Surat Berharga Syariah Negara 199,767 210,917 Government Sharia Bonds
Surat Berharga Syariah Korporasi 1,999 12,062 Corporate Sharia Bonds
Total 7,911,480 6,797,478 Total
Dikurangi Less
Cadangan Kerugian Penurunan Nilai (11,240) (72,957) Allowance for Impairment Losses
Total 7,900,240 6,724,521 Total
Ekspansi Expansion
Pada tahun 2019, Bank Victoria telah melakukan ekspansi dengan In 2019, Bank Victoria conducted an expansion by opening new
membuka kantor cabang baru yang terletak Solo dan Medan, branch offices located in Solo and Medan, thus, there are 14
sehingga terdapat 14 kantor cabang yang dimiliki oleh Bank branch offices owned by Bank Victoria.
Vitoria.
Divestasi Divestment
Selama tahun 2019, Bank Victoria tidak melakukan kegiatan Throughout 2019, Bank Victoria did not conduct any divestment
divestasi. activities.
Akuisisi Acquisition
Selama tahun 2019, Bank Victoria tidak melakukan kegiatan Throughout 2019, Bank Victoria did not conduct any acquisition
akuisisi. activities.
Restrukturisasi Utang dan/atau Restrukturisasi Debt and/or Capital Restructuring

Modal
Selama tahun 2019, Bank Victoria melakukan transaksi Throughout 2019, Bank Victoria did not conduct any debt and/or
restrukturisasi utang dan/atau restrukturisasi modal yang capital restructuring transactions as shown below.
ditunjukkan sebagai berikut.

Penambahan Plafon, Penggabungan Additions of Plafond, Combined Facility,

Fasilitas, Perpanjangan Jangka Waktu, 1,634,508 902,519 Extension of Credit Period, Reduction of
Penurunan Suku Bunga Pinjaman Interest Rate
Perpanjangan Jangka Waktu Pinjaman 182,183 189,011 Extension of Credit Period
Penjadwalan Kembali Angsuran dan Rescheduling of Installments and Extension

311,832 460,977
Perpanjangan Jangka Waktu Pinjaman of Credit Period
Penjadwalan Kembali Angsuran Pinjaman 107,662 42,313 Rescheduling of Installment Loans
Total Pinjaman yang Direstrukturisasi 2,236,185 1,594,820 Total Restructured Loans
Dikurangi: Cadangan Kerugian Penurunan

(244,944) (129,375) Less: Allowance for Impairment Losses
Nilai
Total 1,991,241 1,465,445 Total
Informasi Transaksi Material yang Information on Material Transaction with

Mengandung Benturan Kepentingan Conflict of Interest
Di tahun 2019, tidak terdapat transaksi material yang mengandung In 2019, there were no material transactions that contained
benturan kepentingan di Bank Victoria dan Entitas Anak. conflicts of interest in Bank Victoria and its Subsidiaries.
Informasi Transaksi dengan Pihak Afiliasi Information of Transaction with Affiliated

Parties
Transaksi afiliasi adalah transaksi yang dilakukan oleh perusahaan Affiliated transactions are transactions made by the company or
atau perusahaan terkendali dengan afiliasi dari perusahaan atau controlled company with affiliates of the company or affiliates
afiliasi dari anggota Direksi, anggota Dewan Komisaris, atau of members of Board of Directors, members of Board of
Pemegang Saham. Commissioners, or Shareholders.
Pemenuhan Peraturan dan Ketentuan Compliance with Regulations and Provisions

Untuk memenuhi peraturan Bapepam-LK No.IX.E.1 butir 2 (dua) To comply with Bapepam-LK Regulation No. IX.E.1 point 2 (two)
huruf b angka 3 (tiga) dan huruf c angka 4 (empat), Lampiran letter b number 3 (three) and letter c number 4 (four), Attachment
Keputusan Ketua Bapepam dan LK No. KEP-412/BL/2009 tanggal to the Decree of Chairman of Bapepam and LK No. KEP-412/
25 November 2009 tentang Transaksi Afiliasi dan Benturan BL/2009 dated 25 November 2009 on Affiliated Transactions
Kepentingan Transaksi tertentu, Bank Victoria telah melakukan and Conflicts of Interest of Certain Transactions, Bank Victoria
pelaporan transaski dengan pihak berelasi yang memenuhi has reported its transactions with related parties that meet the
kategori transaksi afiliasi. Seluruh transaksi afiliasi telah affiliated transaction categories. All affiliated transactions have
dilaporkan pada Otoritas jasa Keuangan. been reported to the Financial Services Authority.

Realisasi
Nama Pihak Sifat Hubungan Afiliasi Jenis Alasan Dilakukannya Transaksi
Tanggal Transaksi transaksi
Name of Nature of Affiliation Realization of
Date
Party Relationship Type of Transaction Reason to Make Transaction Transactions
(Rp)
15 Februari Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang kantor Perluasan dan tambahan ruas 77,220,000
2019 dengan PT sahamnya oleh PT Bhuwanatala Office space rent ruangan kantor sementara dari 15
15 February Asri Kencana Indah Permai Tbk sebesar 99,99%; Februari 2019-14 Mei 2019.
2019 Gemilang • PT Bhuwanatala Indah Permai Tbk Expansion and temporary
Bank Victoria dimiliki sahamnya oleh PT Safire additional office space from 15
and PT Asri Capital Ltd sebesar 71,49%; dan February 2019 - 14 May 2019
Kencana • PT Safire Capital Ltd dimiliki oleh
Gemilang Louise Li sebesar 100,00% dan
merupakan anak dari Suzanna
Tanojo (Pemegang Saham
Pengendali).
• PT Bhuwanatala Indah Permai Tbk
owns 99.99% shares of PT Asri
Kencana Gemilang;
• PT Safire Capital Ltd owns 71.49%
shares of PT Bhuwanatala Indah
Permai Tbk; and
• Louise Li owns 100.00% of PT
Safire Capital Ltd and is a son
of Suzanna Tanojo (Controlling
Shareholder).
1 Maret 2019 Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang serba guna • Sewa ruangan untuk 5,500,000
1 March 2019 dengan PT sahamnya oleh PT Bhuwanatala Graha BIP Lt. 11 pelaksanaan RUPS Luar Biasa
Asri Kencana Indah Permai Tbk sebesar 99,99%; Rent of Multi-purpose Bank Victoria pada tanggal 1
Gemilang • PT Bhuwanatala Indah Permai, Room at Graha BIP 11th Maret 2019.
Bank Victoria Tbk dimiliki sahamnya oleh PT floor • Ruangan meeting yang besar,
and PT Asri Safire Capital Ltd sebesar 71,49%; harga yang relatif murah dan
Kencana dan lokasi yang strategis, sehingga
Gemilang • PT Safire Capital Ltd dimiliki oleh lebih mudah dijangkau oleh
Louise Li sebesar 100,00% dan investor/ Pemegang Saham
merupakan anak dari Suzanna karena terletak di daerah
Tanojo (Pemegang Saham pusat kota.
Pengendali). • Rent of room for holding the
• PT Bhuwanatala Indah Permai Tbk Extraordinary GMS of Bank
owns 99.99% shares of PT Asri Victoria on 1 March 2019.
Kencana Gemilang; •
Large meeting rooms,
• PT Safire Capital Ltd owns 71.49% relatively cheap prices, and
shares of PT Bhuwanatala Indah strategic location, making
Permai Tbk; and it easier to reach by the
• Louise Li owns 100.00% of PT investors/ Shareholders
Safire Capital Ltd and is a son because it is located in the
of Suzanna Tanojo (Controlling central city area.
Shareholder).
12 April 2019 Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang serba guna Sewa ruangan untuk pelaksanaan 6,600,000
dengan PT sahamnya oleh PT Bhuwanatala Graha BIP Lt.11 Training “Sinergi Cabang Dalam
Asri Kencana Indah Permai Tbk sebesar 99,99%; Rent of Multi-purpose Mencapai Target kuartal II pada
Gemilang • PT Bhuwanatala Indah Permai, Room at Graha BIP, 11th tanggal 11 April 2019”. Biaya sewa
Bank Victoria Tbk dimiliki sahamnya oleh PT Floor relatif lebih hemat dibandingkan
and PT Asri Safire Capital Ltd sebesar 71,49%; dengan ruang meeting gedung
Kencana dan lainnya yang berada dikawasan
Gemilang • PT Safire Capital Ltd dimiliki oleh Jl. Jendral Gatot Subroto.
Louise Li sebesar 100,00% dan Rent of room for holding Training
merupakan anak dari Suzanna of “Branch Synergy in Achieving
Tanojo (Pemegang Saham the Second Quarter Target on
Pengendali). 11 April 2019”. The rental fee is
• PT Bhuwanatala Indah Permai Tbk relatively lower compared to
owns 99.99% shares of PT Asri rental fee for meeting rooms in
Kencana Gemilang; other buildings within the area of
• PT Safire Capital Ltd owns 71.49% Jl. Jendral Gatot Subroto.
Permai Tbk; and
Shareholder).

Realisasi
Date
(Rp)
10 Mei 2019 Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang serba guna Sewa ruang meeting yang 5,500,000
10 May 2019 dengan PT sahamnya oleh PT Bhuwanatala Graha BIP Lt.11 digunakan untuk pelaksanaan
Asri Kencana Indah Permai Tbk sebesar 99,99%; Rent of Multi-purpose RUPS Tahunan tanggal 10 Mei 2019.
Gemilang • PT Bhuwanatala Indah Permai, Room at Graha BIP, 11th Biaya sewa relatif lebih murah
Bank Victoria Tbk dimiliki sahamnya oleh PT Floor untuk ruangan meeting besar
and PT Asri Safire Capital Ltd sebesar 71,49%; dan lokasi yang sangat strategis
Kencana dan serta dekat dengan kantor Bank
Gemilang • PT Safire Capital Ltd dimiliki Victoria.
oleh Louise Li sebesar 100% dan Rent of meeting room for holding
merupakan anak dari Ibu Suzanna the Annual GMS on 10 May 2019.
Tanojo (PSP). The rental fee is relatively lower
• PT Bhuwanatala Indah Permai Tbk for a big meeting room and the
owns 99.99% shares of PT Asri location is very strategic as well
Kencana Gemilang; as close to Bank Victoria’s office.
Permai Tbk; and
• Louise Li owns 100% of PT Safire
Capital Ltd and is a son of Ms.
Suzanna Tanojo (Controlling
Shareholder).
2 Oktober Bank Victoria Bank Victoria Syariah dimiliki Sewa ruang kantor Menyewakan ruang Kantor 308,880,000
2019 dengan Bank sahamnya oleh Bank Victoria sebesar Office space rent Bank Victoria Kantor Cabang
2 October Victoria Syariah 99,99%. Pembantu Tebet Lt. 2 (dua) dan 3
2019 Bank Victoria Bank Victoria owns 99.99% shares of (tiga) kepada Bank Vitoria Syariah
and Bank Bank Victoria Syariah Rent out office space at Bank
Victoria Syariah Victoria’s Sub-Branch Office
of Tebet, 2nd (second) and 3rd
(third) floors, to Bank Victoria
Syariah
2 Oktober Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang kantor Sewa ruang kantor tambahan 1,660,560,000
2019 dengan PT sahamnya oleh PT Bhuwanatala Office space rent di gedung BIP Lt, 9. Perluasan
2 October Asri Kencana Indah Permai Tbk sebesar 99,99%; ruangan kantor dan ruang
2019 Gemilang • PT Bhuwanatala Indah Permai, meeting baru.
Bank Victoria Tbk dimiliki sahamnya oleh PT Additional office space rent at
and PT Asri Safire Capital Ltd sebesar 71,49%; BIP building, 9th floor. Expansion
Kencana dan of office space and new meeting
Gemilang • PT Safire Capital Ltd dimiliki oleh room.
Louise Li sebesar 100,00% dan
merupakan anak dari Suzanna
Tanojo (Pemegang Saham
Pengendali).
• PT Bhuwanatala Indah Permai Tbk
owns 99.99% shares of PT Asri
Kencana Gemilang;
Permai Tbk; and
Shareholder).
2 Oktober Bank Victoria Bank Victoria Syariah dimiliki Sewa ruang kantor Menyewakan ruang Kantor 118,800,000
2019 dengan Bank sahamnya oleh Bank Victoria sebesar Office space rent Bank Victoria Kantor Cabang
2 October Victoria Syariah 99,99%. Pembantu Grand Boutique
2019 Bank Victoria Bank Victoria owns 99.99% shares of Mangga 2 lt. 4 untuk penempatan
and Bank Bank Victoria Syariah dokumen.
Victoria Syariah
Rent out office space at Bank
Victoria’s Sub-Branch Office of
Grand Boutique Mangga 2, 4th
floor for document placement.

Realisasi
Date
(Rp)
18 Oktober Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang serba guna • Sewa ruangan untuk 14,850,000
2019 dengan PT sahamnya oleh PT Bhuwanatala Graha BIP Lt. 11 pelaksanaan pelatihan dan
18 October Asri Kencana Indah Permai Tbk sebesar 99,99%; Rent of Multi-purpose kegiatan donor darah.
2019 Gemilang • PT Bhuwanatala Indah Permai, Room at Graha BIP, 11th • Ruangan meeting yang besar
Bank Victoria Tbk dimiliki sahamnya oleh PT floor dan lokasi yang strategis,
and PT Asri Safire Capital Ltd sebesar 71,49%; sehingga lebih mudah
Kencana dan dijangkau oleh karyawan
Gemilang • PT Safire Capital Ltd dimiliki oleh karena terletak di daerah
Louise Li sebesar 100,00% dan pusat kota.
merupakan anak dari Suzanna • Rent of room for holding
Tanojo (Pemegang Saham training and blood donation
Pengendali). activities.
• PT Bhuwanatala Indah Permai Tbk • Large meeting rooms and
owns 99.99% shares of PT Asri strategic location, making it
Kencana Gemilang; easier to reach by employees
• PT Safire Capital Ltd owns 71.49% because it is located in the
shares of PT Bhuwanatala Indah central city area.
Permai Tbk; and
Shareholder).
8 November Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang serba guna • Sewa ruangan untuk 4,4000,000
2019 dengan PT sahamnya oleh PT Bhuwanatala Graha BIP Lt. 11 pelaksanaan Coaching and
Asri Kencana Indah Permai Tbk sebesar 99,99%; Rent of Multi-purpose Sharing Session
Gemilang • PT Bhuwanatala Indah Permai, Room at Graha BIP, 11th • Ruangan meeting yang besar
Bank Victoria Tbk dimiliki sahamnya oleh PT floor dan lokasi yang strategis,
and PT Asri Safire Capital Ltd sebesar 71,49%; sehingga lebih mudah
Kencana dan dijangkau oleh karyawan
Gemilang • PT Safire Capital Ltd dimiliki oleh karena terletak di daerah
Louise Li sebesar 100,00% dan pusat kota.
merupakan anak dari Suzanna • Rent of room for holding
Tanojo (Pemegang Saham Coaching and Sharing
Pengendali). Session.
• PT Bhuwanatala Indah Permai Tbk • Large meeting rooms and
owns 99.99% shares of PT Asri strategic location, making it
Kencana Gemilang; easier to reach by employees
• PT Safire Capital Ltd owns 71.49% because it is located in the
shares of PT Bhuwanatala Indah central city area.
Permai Tbk; and
Shareholder).

Realisasi
Date
(Rp)
8 November Bank Victoria • PT Studio One dimiliki oleh PT Sewa 4 (empat) unit Penginapan untuk karyawan 2,430,000
2019 dengan PT Tridaya Investindo Tbk sebesar kamar Hotel Studio One Kantor Cabang Medan, Bandung,
Studio One 99,99%; Rent of 4 (four) rooms at Semarang, Solo, Surabaya, Bali,
Between Bank • PT Tridaya Investindo dimiliki oleh Studio One Hotel Makassar, dan Manado yang
Victoria and PT PT Bhuwanatala Indah Permai Tbk mengikuti pelaksanaan Coaching
Studio One sebsar 99,99%; and Sharing Session di Kantor
• PT Bhuwanatala Indah Permai Pusat Bank Victoria, Jakarta
Tbk dimilki sahamnya oleh Safire Accommodations for Medan,
Capital Ltd sebesar 71,49%; dan Bandung, Semarang, Solo,
• PT Safire Capital Ltd dimiliki oleh Surabaya, Bali, Makassar, and
Louise Li sebesar 100,00% dan Manado Branch Officers who take
merupakan anak dari Suzanna part in the Coaching and Sharing
Tanojo (Pemegang Saham Session at Bank Victoria’s Head
Pengendali). Office, Jakarta
• Tri Daya Investindo Tbk owns
99.99% of PT Studio One;
• PT Bhuwanatala Indah Permai
Tbk owns 99.99% of PT Tridaya
Investindo;
• Safire Capital Ltd owns 71.49%
Permai Tbk; and
Shareholder).
3 Desember Bank Victoria • PT Victoria Insurance Tbk Perlindungan asuransi Polis asuransi kendaraan dari 105,730,238
2019 dengan merupan perusahaan yang total loss only and PT Victoria Insurance Tbk
3 December PT Victoria dimiliki sahamnya sebesar 73,28% comprehensive atas dapat memberikan manfaat
2019 Insurance Tbk oleh PT Victoria Investama Tbk seluruh aset Bank proteksi (total loss only and
Bank Victoria dari seluruh saham yang telah Victoria berupa comprehensive) untuk aset
and PT Victoria dikeluarkan dan disetor pada PT kendaraan bermotor Bank Victoria berupa kendaraan
Insurance Tbk Victoria Insurance Tbk; dan (mobil dan motor) untuk bermotor (mobil dan motor).
• PT Victoria Investama Tbk periode 1 Desember Vehicle insurance policies from
Pemegang Saham Pengendali 2019 - 1 Desember 2020 PT Victoria Insurance Tbk can
Bank Victoria yang memiliki Total loss only and provide protection benefits (total
46,29% dari seluruh saham yang comprehensive loss only and comprehensive)
telah dikeluarkan dan disetor pada insurance cover for all for Bank Victoria’s assets in the
Bank Victoria Bank Victoria assets forms of motor vehicles (cars and
in the forms of motor motorcycles).
• PT Victoria Investama Tbk owns
73.28% shares from all shares vehicles (cars and
issued and paid-up at PT Victoria motorcycles) for the
Insurance Tbk; and period of 1 December
• PT Victoria Investama Tbk is a 2019 - 1 December 2020
Controlling Shareholder that owns
46.29% of all shares issued and
paid up at Bank Victoria

Realisasi
Date
(Rp)
9 Desember Bank Victoria • PT Asri Kencana Gemilang dimiliki Sewa ruang serba guna Sewa ruangan untuk pelaksanaan 13,750,000
2019 dengan PT sahamnya oleh PT Bhuwanatala Graha BIP Lt. 11 Training “Spesial Gift”- Natal Bank
9 December Asri Kencana Indah Permai Tbk sebesar 99,99%; Rent of Multi-purpose Victoria. Ruangan meeting yang
2019 Gemilang • PT Bhuwanatala Indah Permai, Room at Graha BIP, 11th besar dan lokasi yang strategis,
Bank Victoria Tbk dimiliki sahamnya oleh PT floor sehingga lebih mudah dijangkau
and PT Asri Safire Capital Ltd sebesar 71,49%; oleh karyawan karena terletak di
Kencana dan daerah pusat kota.
Gemilang • PT Safire Capital Ltd dimiliki oleh Rent of room for holding Training
Louise Li sebesar 100,00% dan of “Special Gift” - Christmas of
merupakan anak dari Suzanna Bank Victoria. Large meeting
Tanojo (Pemegang Saham rooms and strategic location,
Pengendali). making it easier to reach by
• PT Bhuwanatala Indah Permai Tbk employees because it is located
owns 99.99% shares of PT Asri in the central city area.
Kencana Gemilang;
Permai Tbk; and
Shareholder).
Kewajaran Transaksi Fairness of Transaction

Seluruh transaksi afiliasi dilakukan secara wajar, sesuai dengan All affiliated transactions are conducted fairly, in accordance with
ketentuan yang berlaku. applicable regulations.
Informasi Transaksi Material dengan Pihak Information of Transactions with Related

Berelasi Parties
Pihak-pihak berelasi adalah perusahaan dan perorangan yang Related parties are companies and individuals that have ownership
mempunyai keterkaitan kepemilikan atau kepengurusan secara or management relationship either directly or indirectly.
langsung maupun tidak langsung.
Sifat Hubungan dengan Pihak Berelasi Nature of Relationship with Related Parties
Pihak-pihak yang berelasi dengan Bank Victoria adalah sebagai Parties related to Bank Victoria are shown as follows.
berikut.
Pihak Berelasi Sifat dari Hubungan Sifat dari Transaksi

Related Parties Nature of Relationship Nature of Transaction
Pemegang Saham Simpanan nasabah
Shareholder Deposits from customers
Dimiliki oleh Pemegang Saham Utama Simpanan nasabah, pinjaman yang diberikan
PT Victoria Sekuritas Indonesia
Owned by Main Shareholder Deposits from customers, loans
Simpanan nasabah, pinjaman yang diberikan,

Dimiliki oleh Pemegang Saham Utama asuransi aset tetap
PT Victoria Insurance Tbk
Owned by Main Shareholder Deposits from customers, loans, fixed assets
insurance
Dimiliki oleh Pemegang Saham Utama Simpanan nasabah

PT Victoria Alife Indonesia
Owned by Main Shareholder Deposits from customers

PT Victoria Manajemen Investasi

PT Magna Investama Mandiri Tbk

Pihak Berelasi Sifat dari Hubungan Sifat dari Transaksi

Related Parties Nature of Relationship Nature of Transaction
PT Merak Energi Indonesia

PT Sulfindo Adiusaha
PT Padi Unggul Indonesia
Grha Swahita
Dimiliki oleh Pemegang Saham Utama Pinjaman yang diberikan

PT Tri Daya Propertindo
Owned by Main Shareholder Loans
Pemegang Saham Simpanan nasabah

PT Nata Patindo
Shareholder Deposits from customers
Pemegang Saham Simpanan nasabah, pinjaman yang diberikan

Suzanna Tanojo
Shareholder Deposits from customers, loans
Pemegang Saham Simpanan nasabah, pinjaman yang diberikan

Christine Tanojo
Shareholder Deposits from customers, loans
Hubungan keluarga dengan Suzanna Tanojo Simpanan nasabah, pinjaman yang diberikan
Luciana Tanoyo
Family relationship with Suzanna Tanojo Deposits from customers, loans
Dewan Komisaris, Direksi, dan Pejabat

Eksekutif Grup Manajemen dan karyawan kunci Simpanan nasabah, pinjaman yang diberikan
Board of Commissioners, Board of Directors, Key management and personnel Deposits from customers, loans
and Executive Officers of the Group
Dewan Komisaris, Direksi, dan Pejabat

Eksekutif Entitas Asosiasi Manajemen dan karyawan kunci Simpanan nasabah, pinjaman yang diberikan
Board of Commissioners, Board of Directors, Key management and personnel Deposits from customers, loans
and Executive Officers of Associated Entities
Transaksi dengan Pihak Berelasi Transaction with Related Party

Transaksi-transaksi di tahun 2019 dan 2018 dengan pihak-pihak Transactions in 2019 and 2018 with related parties were:
berelasi adalah:

Aset Assets
Pinjaman yang Diberikan - bruto Loans – gross
PT Merak Energi Indonesia 153,861 - PT Merak Energi Indonesia
Grha Swahita 31,790 24,300 Grha Swahita
PT Padi Unggul Indonesia 20,000 20,000 PT Padi Unggul Indonesia
PT Tri Daya Investindo 20,015 19,444 PT Tri Daya Investindo
PT Victoria Investama Tbk 6,483 7,498 PT Victoria Investama Tbk
PT Victoria Securities Indonesia - 10 PT Victoria Securities Indonesia
Dewan Komisaris, Direksi, dan Pejabat Eksekutif Board of Commissioners, Board of Directors,
3,250 2,602
Entitas Asosiasi and Executive Officers of Associated Entities
Dewan Komisaris, Direksi, dan Pejabat Eksekutif Board of Commissioners, Board of Directors,
10,758 10,476
Grup and Executive Officers of the Group
Total 246,157 84,330 Total
Persentase terhadap Jumlah Aset (%) 0.81 0.28 Percentage to Total Assets (%)
Simpanan Nasabah Deposits from Customers


Giro 38,746 23,879 Demand Deposits
Tabungan 60,015 48,382 Savings Deposits
Deposito Berjangka 374,864 110,505 Time Deposits
Negotiable Certificate Deposits 987 - Negotiable Certificate Deposits
Total 474,612 182,766 Total
Persentase terhadap Jumlah Liabilitas (%) 1.84 0.71 Percentage to Total Liabilities (%)
Dana Syirkah Temporer Temporary Syirkah Funds
Deposito Mudharabah 24,832 26,965 Mudharabah Time Deposits
Tabungan Mudharabah 431 612 Mudharabah Savings Deposits
Total 25,263 27,577 Total
Persentase terhadap Dana Syirkah Temporer

1,50 1.77 Percentage to Temporary Syirkah Fund (%)
(%)
Pendapatan Bunga dan Syariah 13,306 7,619 Interest and Sharia Income
Persentase terhadap Jumlah Pendapatan Bunga Percentage to Total Interest and Sharia Income
0.60 0.33
dan Syariah (%) (%)
Beban Bunga dan Syariah 15,253 10,169 Interest and Sharia Expenses
Persentase terhadap Jumlah Beban Bunga (%) 0.78 0.56 Percentage to Total Interest Expenses (%)
Salaries and Allowances of Board of

Gaji dan Tunjangan Dewan Komisaris, Direksi, dan
38,016 36,667 Commissioners, Board of Directors, and
Pejabat Eksekutif
Executive Officers
Persentase terhadap Jumlah Beban Tenaga

20.04 19.07 Percentage to Total Personnel Expenses (%)
Kerja (%)
Liabilitas Komitmen dan Kontinjensi Liabilities Commitments and Contingencies
Komitmen dan Kontinjensi Commitments and Contingencies
Fasilitas Pinjaman yang Belum Digunakan (14,151) (15,610) Unused Loan Facilities
Penerbitan Jaminan dalam Bentuk Garansi - (158) Issued Bank Guarantees
Total (14,151) (15,768) Total
Persentase terhadap Jumlah Liabilitas Percentage from Total Liabilities Commitments

0.66 0.76
Komitmen dan Kontinjensi - neto (%) and Contingencies – net (%)
Kewajaran dan Alasan Dilakukan Transaksi Fairness in and Reasons for Making Transactions
Transaksi dengan pihak berelasi telah dilakukan secara wajar Transactions with related parties have been conducted fairly in
sesuai dengan kepentingan Bank (Arm’s Length Transaction). accordance with the Bank’s interests (Arm’s Length Transaction).
Seluruh transaksi dengan pihak berelasi dilaksanakan atas dasar All transactions with related parties are carried out on the
alasan kebutuhan usaha Bank Victoria serta ditujukan untuk grounds of the business needs of Bank Victoria and are aimed at
meningkatkan kinerja Bank. improving the Bank’s performance.
Kebijakan Mekanisme Review atas Transaksi dan Review Mechanism Policy on Transactions and
Pemenuhan Peraturan Terkait Compliance with Related Regulations
Mengacu pada Peraturan Bank Indonesia No. 7/3/PBI/2005 Referring to Bank Indonesia Regulation No. 7/3/PBI/2005 on
tentang Batas Maksimum Pemberian Kredit Industri Perbankan, Legal Lending Limit for Banking Industry, as amended by Bank
yang telah diubah dengan PBI No. 8/13/PBI/2006 tentang Indonesia Regulation No. 8/13/PBI/2006 on Amendment to Bank
Perubahan Atas Peraturan Bank Indonesia No. 7/3/PBI/2005 Indonesia Regulation No. 7/3/PBI/2005 on Legal Lending Limit for
tentang Batas Maksimum Pemberian Kredit Industri Perbankan, Banking Industry, the Bank must apply the prudential principles
Bank wajib menerapkan prinsip kehati-hatian dan manajemen and risk management in Funding, especially Funding to Related
risiko dalam memberikan Penyediaan Dana, khususnya Parties and or Large Exposure, and Board of Directors’ Decision
Penyediaan Dana Kepada Pihak Terkait dan atau Penyediaan Dana Letter No. 017/SK-DIR/06/13 dated 18 June 2013 on Legal Lending
Besar, dan Surat Keputusan Direksi No. 017/SK-DIR/06/13 tanggal Limit (LLL) Consolidation Work Unit, the Compliance Division is
18 Juni 2013 tentang Unit Kerja Pengkonsolidasi Batas Maksimum appointed as the Work Unit tasked with processing information
Pemberian Kredit (BMPK) menunjuk Divisi Kepatuhan sebagai Unit on related LLL exposure.
Kerja yang bertugas mengelola informasi eksposur BMPK terkait.

Komitmen dan Kontinjensi Commitments and Contingencies

Bank Victoria memiliki sejumlah komitmen dan kontinjensi yang Bank Victoria has a number of material commitments and
material, sebagaimana dicantumkan dalam tabel berikut. contingencies as listed in the following table.

Komitmen Commitments
Liabilitas Komitmen Commitment Liabilities
Fasilitas Pinjaman yang Belum Digunakan Unused Loans Facilities
Pihak Berelasi (14,151) (15,610) Related Parties
Pihak Ketiga (2,202,762) (1,845,396) Third Parties
Liabilitas Komitmen – neto (2,216,913) (1,861,006) Commitment Liabilities - net
Kontinjensi Contingencies
Tagihan Kontinjensi Contingent Receivables
Pendapatan Bunga atas Pinjaman Bermasalah Interest Receivables in Non-Performing Loans

207,507 156,410
- Pihak Ketiga - Third Parties
Liabilitas Kontinjensi Contingency Liabilities
Penerbitan Jaminan dalam Bentuk Bank

Guarantees Issued
Garansi
Pihak Berelasi - (157) Related Parties
Pihak Ketiga (127,366) (372,847) Third Parties
Kontinjensi - neto 80,141 (216,594) Contingencies - net
Total Liabilities Commitment and

Total Liabilitas Komitmen dan Kontinjensi – neto (2,136,772) (2,077,600)
Contingencies– net
Larangan, Batasan, dan/atau Hambatan Prohibitions, Limitations, and/ or

Signifikan untuk Melakukan Transfer Dana Significant Hindrances to Perform Fund
Antara Bank dan Entitas Lain dalam Satu Transfer Between the Bank and Other
Kelompok Usaha Entities in One Business Group
Bank Victoria tidak memiliki pembatasan dalam prosedur operasional Bank Victoria has no restrictions in operational procedures
terkait transfer dana nasabah, baik dalam bentuk transfer masuk regarding Customer’s fund transfer either incoming and outgoing
maupun transfer keluar antara Bank dan entitas lain dalam satu transfers between the Bank and other entities within its business
kelompok usahanya. Dalam menyalurkan pinjaman ke pihak ketiga group. In providing loans to third parties and other entities
dan entitas lainnya dalam satu kelompok usaha, Bank Victoria within a business group, Bank Victoria refers to LLL formulated
mengacu pada BMPK yang telah dibuat oleh Divisi Accounting dan by the Accounting Division, and the activity is monitored by the
dipantau oleh Divisi Kepatuhan dan Divisi Analis Kredit. Compliance Division and Credit Analyst Division.
Perubahan Peraturan Perundang- Amendments to Laws and Regulations

undangan yang Berpengaruh Signifikan with Significant Impacts on the Bank’s
terhadap Kinerja Bank Performance
Perubahan terhadap peraturan perundang-undangan yang Amendments to laws and regulations affecting the Bank, the
berpengaruh terhadap Bank, beserta dampak dan umpan balik impacts to and responses of the Bank to such amendments
Bank terhadap perubahan tersebut selama tahun 2019 adalah: throughout 2019 are as follows.
1. Peraturan Otoritas Jasa Keuangan; 1. Financial Services Authority Regulations;
2. Peraturan Surat Edaran Otoritas Jasa Keuangan; 2. Financial Services Authority Circular Regulations;
3. Peraturan Bank Indonesia; dan 3. Bank Indonesia Regulations; and
4. Peraturan Anggota Dewan Gubernur (PADG) Bank Indonesia. 4. Regulation of Members of the Board of Governors (PADG) of
Bank Indonesia.

Nomor
Tanggal Peraturan Perihal Dampak terhadap Bank Victoria
Date Regulation Subject Impact on Bank Victoria
Number
Financial Services Authority Regulations
28 Januari 2019 1/POJK.03/2019 Penerapan Fungsi Audit Intern pada Bank wajib memiliki fungsi audit intern sesuai dengan ukuran,
28 January 2019 Bank Umum karakteristik, dan kompleksitas usaha Bank.
Implementation of Internal Audit Banks must have an internal audit function in accordance with the
Function for Commercial Banks Bank's business size, characteristics, and complexity.
27 Maret 2019 11/POJK.03/2019 Prinsip Kehati-Hatian Dalam Aktivitas 1. Bank wajib memiliki kebijakan dan pedoman aktivitas sekuritisasi
27 March 2019 Sekuritisasi Aset bagi Bank Umum aset yang didokumentasikan dengan baik dan menjadi bagian dari
Prudential Principle in Asset kebijakan dan pedoman manajemen risiko Bank; dan
Securitization Activities for 2. Bank wajib melaporkan perhitungan ATMR atas eksposur sekuritisasi
Commercial Banks disampaikan kepada Otoritas Jasa Keuangan secara daring (online)
melalui sistem pelaporan Otoritas Jasa Keuangan.
1. Banks must have policies and guidelines for asset securitization
activities that shall be well documented and become part of the
Bank's risk management policies and guidelines; and
2. Banks must report its RWA calculations for securitization exposures
to the Financial Services Authority by online submission through the
Financial Services Authority reporting system.
4 April 2019 12/POJK.03/2019 Pelaporan Bank Umum Melalui Sistem Bank melaksanakan pemeriksaan terhadap pihak yang diperiksa
Pelaporan Otoritas Jasa Keuangan didasarkan pada pedoman pemeriksaan yang meliputi pedoman umum
Commercial Bank Reporting Through pemeriksaan, pedoman pelaksanaan pemeriksaan, dan pedoman
the Financial Services Authority laporan hasil pemeriksaan.
Reporting System Banks audits the audited parties based on audit guidelines, which
include general guidelines on audit, guidelines on implementation of
audit, and guidelines on audit report.
29 April 2019 14/POJK.04/2019 Perubahan atas Peraturan Otoritas Jasa Bank berkewajiban memberikan HMETD dalam penerbitan saham dan/
Keuangan No. 32/POJK.04/2015 tentang atau efek bersifat ekuitas lainnya sebagaimana dimaksud dalam Pasal 2
Penambahan Modal Perusahaan Terbuka tidak berlaku jika Perusahaan Terbuka melakukan penambahan modal
Dengan Memberikan Hak Memesan Efek melalui penerbitan saham dan/atau efek bersifat ekuitas lainnya.
Terlebih Dahulu Banks must provide HMETD in issuing shares and/or other equity
Amendment to POJK No. 32/ securities as referred to in Article 2, which does not apply if the Public
POJK.04/2015 on Capital Increase Company makes additional capital through issuing shares and/or other
of Public Company by Providing equity securities.
Preemptive Rights (HMETD)
2 Desember 2019 31/POJK.03/2019 Kewajiban Pemenuhan Rasio 1. Bank wajib mengkinikan pedoman internal terkait ketentuan tersebut;
2 December 2019 Pengungkit bagi Bank Umum 2. Bank wajib menyediakan modal inti yang memadai berdasarkan total
Mandatory Fulfillment of Leverage eksposur yang tercatat pada laporan posisi keuangan serta laporan
Ratio for Commercial Banks komitmen dan kontinjensi;
3. Bank wajib memenuhi rasio pengungkit paling rendah sebesar 3%
setiap waktu; dan
4. Bank wajib menyampaikan laporan kewajiban pemenuhan rasio
pengungkit berdasarkan posisi akhir triwulan laporan kepada
Otoritas Jasa Keuangan.
1. Banks must update its internal guidelines related to such provision;
2. Banks must provide sufficient Tier 1 capital based on the total
exposures recorded in the statement of financial position and the
commitment and contingency report;
3. Banks must fulfill the lowest leverage ratio of 3% at any time; and
4. Banks must submit report on mandatory fulfillment of leverage
ratio based on the position at the end of the quarterly report to the
Financial Services Authority.

Nomor
Number
19 Desember 2019 37/POJK.03/2019 Transparansi dan Publikasi Laporan 1. Bank wajib membuat ketentuan terkait Pelaporan Terintegrasi
19 December 2019 Bank dengan mengacu pada POJK terkait;
Transparency and Publication of Bank 2. Bank wajib menyusun, mengumumkan, dan menyampaikan laporan
Reports publikasi;
3. Bank wajib menyusun laporan keuangan berdasarkan standar
akuntansi keuangan, untuk posisi bulan Desember wajib diaudit oleh
akuntan publik yang terdaftar di Otoritas Jasa Keuangan;
4. Direksi Bank wajib:
a. Menunjuk pejabat eksekutif yang kompeten sesuai dengan
kompleksitas usaha bank sebagai penyusun laporan keuangan; dan
b. Memastikan penyusun laporan keuangan mengkinikan kompetensi
sesuai dengan perkembangan kompleksitas dan kegiatan usaha Bank.
1. Banks must make provisions related to the Integrated Reporting with
reference to the relevant POJK;
2. Banks must prepare, announce, and submit publication reports;
3. Banks must prepare financial statements based on the financial
accounting standards, for the position of December, which must be
audited by public accountant registered with the Financial Services
Authority;
4. Banks’ Board of Directors must:
a. Appoint competent executive officers in accordance with the bank's
business complexity as a compilers of financial statements; and
b. Ensure that the compilers of financial statements updates their
competencies in accordance with the development of the Bank’s
business complexity and activities.
19 Desember 2019 39/POJK.03/2019 Penerapan Strategi Anti Fraud bagi Bank wajib menerapkan manajemen risiko sesuai dengan ketentuan,
19 December 2019 Bank Umum yaitu paling sedikit memuat penguatan terhadap aspek:
Implementation of Anti-Fraud 1. Pengawasan aktif Direksi dan Dewan Komisaris;
Strategy for Commercial Banks 2. Kebijakan dan prosedur;
3. Struktur organisasi dan pertanggungjawaban;
4. Pengendalian dan pemantauan.
Banks must apply risk management in accordance with the provisions,
which at least contain reinforcement of aspects of:
1. Active monitoring of the Board and Directors and Board of Commissioners;
2. Policy and procedure;
3. Organization structure and accountability;
4. Control and monitoring.
Peraturan Surat Edaran Otoritas Jasa Keuangan

Financial Services Authority Circular Regulations
21 Juni 2019 9/SEOJK.03/2019 Penilaian Kembali Bagi Pihak Utama Bank wajib membuat ketentuan terkait penilaian kembali dengan
21 June 2019 Bank mengacu pada POJK dan SEOJK Penilaian Kembali.
Revaluation of the Bank's Main Party Banks must make provisions related to revaluation by referring to POJK
and SEOJK on Revaluation.
Peraturan Bank Indonesia

Bank Indonesia Regulations (PBI)
7 Januari 2019 21/1/PBI/2018 Utang Luar Negeri Bank dan Kewajiban 1. Menyempurnakan definisi dan cakupan utang luar negeri (ULN) dan
7 January 2019 Bank Lainnya Dalam Valuta Asing kewajiban bank lainnya dalam valas;
Bank’s Foreign Debt (ULN) and Bank’s 2. Memperluas cakupan kewajiban Bank sehingga mencakup transaksi
Other Liabilities in Foreign Currencies partisipasi risiko (TPR);
3. Menyempurnakan mekanisme dan dasar pertimbangan BI dalam
memberikan persetujuan atau penolakan permohonan rencana
masuk pasar bank untuk menyesuaikan dengan kondisi terkini;
4. Menambah pengecualian terhadap komponen kewajiban bank jangka
pendek dan pengecualian syarat permohonan persetujuan rencana
masuk pasar;
5. Pengawasan oleh BI; dan
6. Menyempurnakan mekanisme dan jenis sanksi.

Nomor
Number
1. Improving the definition and scope of foreign debt (ULN) and bank’s
other liabilities in foreign currencies;

2. Broadening the scope of the Bank's liabilities to include risk
participation transactions (TPR);
3. Improving the mechanism and basis for BI's consideration in giving
approval or rejection of requests for bank’s market entry plan, so that
they adjust to the current conditions;
4. Adding exceptions to the components of short-term bank liabilities
and exceptions to the requirements for requesting approval for
market entry plans;
5. Monitoring by BI; and
6. Improving the mechanism and type of sanctions.
7 Januari 2019 21/2/PBI/2018 Pelaporan Kegiatan Lalu Lintas Devisa 1. Aturan dalam PBI No. 21/2/PBI/2019 tentang Pelaporan Kegiatan
7 January 2019 Reporting on Foreign Exchange Lalu Lintas Devisa akan mencabut pasal-pasal terkait pelaporan LLD
Activities (LLD) dari PBI No. 16/22/PBI/2014 tentang Pelaporan Kegiatan Lalu Lintas
Devisa dan Pelaporan Kegiatan Penerapan Prinsip Kehati-hatian dalam
Pengelolaan Utang Luar Negeri Korporasi Non bank. PBI No. 16/22/
PBI/2014 tetap berlaku dan hanya mengatur terkait pelaporan KPPK;
dan
2. Sejalan dengan PBI No. 21/1/PBI/2019 tentang Utang Luar Negeri
Bank dan Kewajiban Bank Lainnya dalam Valuta Asing, Transaksi
Partisipasi Risiko (TPR) ditambahkan ke dalam cakupan data dan
keterangan yang disampaikan pelapor pada Laporan LLD.
1. Stipulations in PBI No. 21/2/PBI/2019 on Reporting of Foreign
Exchange Activities will revoke articles related to Foreign Exchange
Activities (LLD) reporting from PBI No. 16/22/PBI/2014 on Reporting
of Foreign Exchange Activities and Reporting of the Implementation
of Prudential Principles in Managing Foreign Debt of Non-bank
Corporations. PBI No. 16/22/PBI/2014 is still effective and only
regulates KPPK reporting; and
2. In line with PBI No. 21/1/PBI/2019 on Bank’s Foreign Debt and
Bank’s Other Liabilities in Foreign Currencies, Risk Participation
Transactions (TPR) are added to the scope of data and information
submitted by the reporter in the Foreign Exchange Activities (LLD)
Report.
26 April 2019 21/6/PBI/2018 Perubahan Ketiga atas Peraturan 1. Memperluas underlying assest penerbitan SukBI yang kini tidak
Bank Indonesia No. 20/5/PBI/2018 hanya menggunakan SBSN tetapi juga Sukuk global yang dimiliki oleh
tentang Operasi Moneter Bank Indonesia sebagai underlying asset SukBI; dan
Third Amendment of PBI No. 20/5/ 2. Merubah akad FASBIS yang semula menggunakan akad wadi’ah
PBI/2018 on Monetary Operations menjadi akad ju’alah, sesuai dengan opini dari Dewan Syariah
Nasional–Majelis Ulama Indonesia (DSN-MUI).
1. Expanding underlying asset of SukBI (Sukuk Bank Indonesia)
issuance, which is now not only using SBSN but also global Sukuk
owned by Bank Indonesia as SukBI underlying asset; and
2. Changing FASBIS contract, which was initially using wadi'ah
contract, to ju'alah contract, in accordance with the opinion of the
National Sharia Council - Indonesian Ulema Council (DSN-MUI).
28 November 21/14/PBI/2019 Devisa Hasil Ekspor dan Devisa 1. Bank wajib mengkinikan pedoman internal terkait ketentuan tersebut;
2019 Pembayaran Impor 2. Bank hanya dapat melakukan pengkreditan penerimaan DHE pada
Proceeds from Export’s Foreign rekening eksportir apabila message FTMS untuk seluruh penerimaan
Exchange and Foreign Exchange of DHE melalui transaksi telegraphic transfer (TT) telah dilengkapi
Import Payments informasi ekspor;
3. Bank wajib menyampaikan laporan transaksi non-TT yang dilengkapi
informasi ekspor secara daring kepada Bank Indonesia;
4. Bank hanya dapat melakukan akseptasi transfer dana DPI dan
mengirimkan Message FTMS untuk pengeluaran DPI melalui
transaksi TT apabila perintah transfer dana telah dilengkapi dengan
informasi impor; dan
5. Bank wajib menyampaikan laporan transaksi Non-TT yang dilengkapi
informasi impor secara daring kepada Bank Indonesia.

Nomor
Number
2. Banks can only credit DHE receipts in the exporter account if the
FTMS message for all DHE receipts through telegraphic transfer (TT)
transactions has been completed with export information;
3. Banks must submit Non-TT transaction reports that are completed
with export information in online manner to Bank Indonesia;
4. Banks can only accept DPI fund transfers and send FTMS messages
for remitting DPI through TT transactions if the fund transfer order is
already completed with import information; and
5. Banks must submit Non-TT transaction reports that are completed
with import information in online manner to Bank Indonesia.
9 Desember 2019 21/15/PBI/2019 Pemantauan Kegiatan Lalu Lintas 1. Bank wajib mengkinikan pedoman internal terkait ketentuan tersebut;
9 December 2019 Devisa Bank dan Nasabah 2. Bank wajib menyampaikan laporan laporan lalu lintas devisa (LLD),
Monitoring of Foreign Exchange diantaranya laporan pendukung yang meliputi rincian: transaksi ekspor
Activities of Banks and Customers (RTE), daftar penyampaian dokumen pendukung (DPDP), rekening
khusus DHE SDA (Reksus DHES DA), dan transaksi DHE dan DPI;
3. Bank harus mencantumkan informasi tujuan transaksi dalam message
Financial Transaction Messaging System (FTMS) untuk setiap transaksi;
4. Bank wajib memastikan kelengkapan dokumen pendukung dari
nasabah sebelum melakukan pengaksepan perintah Transfer Dana
atas transaksi LLD;
5. Bank harus memiliki sIstem dan prosedur dalam perolehan data dan
keterangan, penata usahaan dokumen pendukung, serta penyusunan
laporan LLD yang dituangkan dalam suatu pedoman tertulis; dan
6. Bank wajib menyampaikan laporan transaksi LLD setiap bulan secara
daring selama masa penyampaian laporan (MPL) kepada Bank Indonesia.
2. Banks must submit reports of foreign exchange activities (LLD),
among others the supporting reports which include details of: export
transactions (RTE), list of submission of supporting documents
(DPDP), DHE SDA special accounts (DHES DA Special Accounts), and
DHE and DPI transactions;
3. Banks must include information of the transaction destination in the
Financial Transaction Messaging System (FTMS) message for each
transaction;
4. Banks must ensure the completeness of supporting documents from
customers before accepting Fund Transfer order for LLD transactions;
5. Banks must have system and procedure for collection of data
and information, administration of supporting documents, and
preparation of LLD reports as outlined in written guidelines; and
6. Banks must submit monthly LLD transaction reports every month
in online manner during the report submission period (MPL) to Bank
Indonesia.
Peraturan Anggota Dewan Gubernur Bank Indonesia

Regulation of Members of the Board of Governors (PADG) of Bank Indonesia
31 Mei 2019 21/13/PADG/2019 Transaksi Derivatif Suku Bunga 1. Membuat pedoman internal terkait penyusunan analisis kebutuhan
31 May 2019 Rupiah Berupa Transaksi Interest Rate Transaksi IRS termasuk penetapan jenis dokumen yang relevan;
Swap 2. Mengikuti konvensi pasar dalam melakukan transaksi IRS;
Derivative Transactions of Rupiah 3. Melakukan analisis kebutuhan transaksi IRS paling sedikit 1 (satu) kali
Interest Rate in the Form of Interest sebelum melakukan transaksi derivatif suku bunga Rupiah;
Rate Swap Transactions 4. Melakukan evaluasi (review) terhadap analisis kebutuhan Transaksi
IRS sebagaimana dimaksud dalam Pasal 8 ayat (1) secara periodik
paling sedikit 1 (satu) tahun sekali dan dikecualikan untuk transaksi
IRS dengan jangka waktu paling lama 1 (satu) tahun; dan
5. Memberikan edukasi tentang transaksi IRS kepada nasabah dan/
atau pihak asing yang bertujuan untuk memberikan pemahaman
mengenai manfaat dan risiko transaksi IRS, melalui seminar,
workshop, focus group discussion, diseminasi melalui media
publikasi, dan/atau kegiatan lainnya.

Nomor
Number
1. Preparing internal guidelines related to the preparation of needs
analysis of IRS Transaction including the determination of types of
relevant documents;
2. Following market conventions in conducting IRS transactions;
3. Performing needs analysis of IRS transactions at least 1 (one) time
before conducting derivative transactions of Rupiah interest rate;
4. Evaluating (reviewing) the needs analysis of IRS Transactions as
referred to in Article 8 paragraph (1) periodically at least 1 (one) time a
year and that are excluded for IRS transactions for a maximum period
of 1 (one) year; and
5. Providing education on IRS transactions to customers and/ or foreign
parties aiming at providing understanding of the benefits and risks of
IRS transactions, through seminar, workshop, focus group discussion,
dissemination through publication media, and/or other activities.
27 November 21/21/PADG/2019 Perubahan atas Peraturan Anggota 1. Mengkinikan/membuat ketentuan internal terkait PADG;
2019 Dewan Gubernur No. 19/5/PADG/2017 2. Memahami kewajiban-kewajiban yang ada dalam peraturan ini;
tentang Pelaksanaan Sertifikasi 3. Menyampaikan kebijakan internal kepada Bank Indonesia;
Tresuri dan Penerapan Kode Etik Pasar 4. Membuat pernyataan telah memahami dan menerapkan Kode
Amendment to Regulation of Etik Pasar serta menyampaikan kepada Bank Indonesia untuk
Members of the Board of Governor No. dipublikasikan pada laman resmi Bank Indonesia; dan
19/5/PADG/2017 on Implementation of 5. Menyampaikan laporan kepada Bank Indonesia secara online.
Treasury Certification and Application 1. Updating/preparing internal provisions related to PADG;
of Market Code of Conduct 2. Understanding the obligations contained in this regulation;
3. Delivering internal policies to Bank Indonesia;
4. Making a statement of understanding and applying the Market Code
of Conduct and submitting it to Bank Indonesia for publication on
Bank Indonesia’s official website; and
5. Submitting reports to Bank Indonesia in online manner.
Perubahan Kebijakan Akuntansi dan Amendments to Accounting Principles

Pengaruhnya terhadap Kinerja Bank and Their Impact on the Bank’s
Performance
Alasan Perubahan Kebijakan Akuntansi Reasons of Amendments to Accounting Policies
Penerapan standar akutansi keuangan dilakukan untuk mematuhi The application of financial accounting standards is carried out to
PSAK yang berlaku dalam tahun berjalan. comply with the applicable PSAK in the current year.
Perubahan Kebijakan Akuntansi yang Signifikan Significant Amendments to Accounting Policies

Dewan Standar Akuntansi Keuangan Ikatan Akuntan Indonesia (DSAK- The Financial Accounting Standard Board of Indonesian Institute
IAI) telah menerbitkan standar baru, revisi, dan interpretasi berikut, of Accountant (DSAK-IAI) has issued new standards, revisions, and
yang berlaku efektif pada atau setelah tanggal 1 Januari 2019. interpretations, which are effective on or after 1 January 2019:
1. ISAK 33 “Transaksi Valuta Asing dan Imbalan di Muka”; 1. ISAK 33 “Foreign Currency Transactions and Advance
Benefits”;
2. ISAK 34 “Ketidakpastian dalam Perlakuan Pajak Penghasilan“; 2. ISAK 34 “Uncertainty over Income Tax Treatments”;
3. Amandemen PSAK 24 “Imbalan Kerja: Amandemen, 3. Amendment to PSAK 24 “Employee Benefits: Amendments,
Kurtailmen, atau Penyelesaian Program“; Curtailment, or Settlement of Program”;
4. Penyesuaian Tahunan 2018 PSAK 22 “Kombinasi Bisnis“; 4. 2018 Annual Adjustment of PSAK 22 “Business Combinations”;
5. Penyesuaian Tahunan 2018 PSAK 26 “Biaya Pinjaman“; 5. 2018 Annual Adjustment of PSAK 26 “Loan Costs”;
6. Penyesuaian Tahunan 2018 PSAK 46 “Pajak Penghasilan“; dan 6. 2018 Annual Adjustment of PSAK 46 “Income Tax”; and
7. Amandemen PSAK 66 “Pengaturan Bersama”. 7. Amendment to PSAK 66 “Joint Arrangements”.
Dampak Perubahan Kebijakan Akuntansi yang Significant Impact due to Amendments to

Signifikan Accounting Principles
Perubahan tersebut tidak berdampak signifikan terhadap laporan Such amendments have no significant impacts on the Bank’s
keuangan konsolidasian Bank. consolidated financial statements.

Informasi Kelangsungan Usaha Information on Business Continuity

Tidak terdapat hal-hal yang berpotensi berpengaruh signifikan There were no matters that potentially affected the Company’s
terhadap kelangsungan usaha Bank sepanjang tahun 2019. business continuity significantly throughout 2019. This conclusion
Kesimpulan ini diperoleh dari proses penilaian yang dilakukan was obtained from the assessment process carried out by the
Manajemen atas kemampuan Bank untuk melanjutkan usahanya. Management on the Bank’s ability to continue its business.
Sumber daya yang dimiliki bank masih cukup untuk melanjutkan The Bank’s resources are still sufficient to continue its business
usahanya di masa mendatang. Manajemen juga tidak melihat in the future. The Management does not see any material
adanya ketidakpastian material yang dapat menimbulkan keraguan uncertainty that can cause significant doubts on the Bank’s ability
signifikan terhadap kemampuan Bank untuk mempertahankan to maintain its business continuity. Therefore, the consolidated
kelangsungannya. Oleh karena itu, laporan keuangan konsolidasian financial statements have been prepared based on a sustainable
ini telah disusun atas dasar usaha yang berkelanjutan. business.
Faktor-faktor yang menjadi pertimbangan bagi Manajemen dalam Factors that become the considerations for the Management in
melakukan penilaian kelangsungan usaha Bank adalah: conducting assessment of the Bank’s business continuity are:
1. Kinerja keuangan; 1. Financial performance;
2. Solvabilitas; 2. Solvency;
3. Masalah internal; dan 3. Internal matters; and
4. Perkara hukum. 4. Lawsuit.
Dalam melakukan penilaian, Manajemen juga menggunakan In conducting assessment, the Management also uses assumption
asumsi bahwa kondisi ekonomi di Indonesia dan secara global that the economic condition in Indonesia and globally will not
tidak akan mengalami perubahan fundamental yang dapat experience fundamental changes that can disrupt the business
mengganggu jalannya bisnis secara alamiah di industri perbankan. course naturally in banking industry.
Kinerja Entitas Anak Subsidiary Performance

Bank Victoria Syariah menjalankan segmen bisnis syariah sebagai Bank Victoria Syariah runs a sharia business segment as a
Entitas Anak dari Bank Victoria. Profil singkat Bank Victoria subsidiary of Bank Victoria. A brief profile of Bank Victoria Syariah
Syariah terdapat di bab Profil Perusahaan. is found in the Company Profile chapter.
Berikut penjelasan singkat mengenai kinerja keuangan Bank Below is a brief explanation of Bank Victoria Syariah’s financial
Victoria Syariah di tahun 2019. performance in 2019.
Kinerja Keuangan Utama Bank Victoria Syariah

Bank Victoria Syariah’s Main Financial Ratio
Pertumbuhan
Rp %
Aset 2,262,451 2,126,019 136,432 6.41 Assets
Liabilitas 220,517 277,050 (56,533) (20.40) Liabilities
Dana Syirkah Temporer 1,687,690 1,557,720 129,970 8.34 Temporary Syirkah Funds
Ekuitas 354,244 291,249 62,995 21.62 Equity
Piutang dan Pembiayaan 1,231,614 1,234,571 (2,957) (0.23) Financing and Receivables
Revenue from Fund

Pendapatan Pengelolaan Dana
168,019 169,987 (1,968) (1.15) Management by the Bank as
oleh Bank sebagai Mudharib
Mudharib
Profit Sharing Rights of the

Hak Bagi Hasil Milik Bank 49,103 60,724 (11,621) (19.13)
Bank
Beban Operasional Lainnya 53,232 56,195 (2,963) (5.27) Other Operating Expenses
Laba (Rugi) Operasional 348 6,218 (5,870) (94.40) Operating Profit (Loss)

Pertumbuhan
Rp %
Laba Tahun Berjalan 913 4,974 (4,061) (81.64) Profit for the Year
Laba Komprehensif Selama Comprehensive Profit for the

12,994 (8,143) 21,137 259.57
Tahun Berjalan Year
Rasio Keuangan Utama Bank Victoria Syariah

Bank Victoria Syariah’s Main Financial Ratio
(dalam %/ in%)
Rasio Kecukupan Modal (CAR) 19.44 22.07 Capital Adequacy Ratio (CAR)
Rasio Pembiayaan terhadap Dana Pihak 80.52 82.78 Loan to Deposit Ratio
Ketiga
Imbal Hasil Rata-Rata Aset 0.05 0.32 Return on Asset
Imbal Hasil Rata-Rata Ekuitas 0.39 2.02 Return on Equity
Pendapatan Bunga Bersih 2.42 2.91 Net Interest Income
Non-Performing Loans (NPF) - net 2.64 3.46 Non-Performing Loans (NPF) - Net
Di tahun 2019, Bank Victoria Syariah mencatatkan kenaikan In 2019, Bank Victoria Syariah recorded an increase in total assets
total aset sebesar 6,42% menjadi Rp2,3 triliun, sementara of 6.42% to Rp2.3 trillion, while liabilities decreased by 20.41% to
liabilitas mengalami penurunan 20,41% menjadi Rp220,52 miliar. Rp220.52 billion. Whereas, temporary syirkah funds increased
Sedangkan, dana syirkah temporer mengalami kenaikan 8,34% by 8.34% to Rp1.69 trillion. Meanwhile, equity rose by 21.63% to
menjadi Rp1,69 triliun. Sementara itu, ekuitas naik 21,63% menjadi Rp354.24 billion.
Rp354,24 miliar.
Kenaikan ekuitas tersebut lebih disebabkan adanya peningkatan The increase in equity was due to the increase in paid up capital
modal disetor oleh Pemegang Saham Pengendali Bank Victoria by the Controlling Shareholder of Bank Victoria by Rp50 billion in
sebesar Rp50 miliar pada triwulan I tahun 2019. Baik piutang the first quarter of 2019. Both receivables and financing, as well
dan pembiayaan, serta pendapatan pengelolaan dana oleh Bank as revenue from fund management by the Bank as Mudharib,
sebagai Mudharib, menurun masing-masing sebesar Rp2,96 decreased by Rp2.96 billion and Rp1.97 billion, respectively,
miliar dan Rp1,97 miliar, sehingga posisinya sebesar Rp1,23 resulting in the positions of Rp1.23 trillion and Rp168.02 billion,
triliun dan Rp168,02 miliar di tahun 2019. Sementara itu, beban respectively, in 2019. Meanwhile, other operating expenses can
operasional lainnya dapat dikendalikan secara lebih efektif, be controlled more effectively, thus, it decreased by 5.27%, to
sehingga mengalami penurunan 5,27%, menjadi Rp53,23 miliar di Rp53.23 billion in 2019.
tahun 2019.
Berdasarkan hal tersebut, Bank Victoria Syariah berhasil mencatat Based on this matter, Bank Victoria Syariah managed to record
laba operasional sebesar Rp348 juta, sementara di tahun 2018 operating income of Rp348 million, while in 2018, the operating
tercatat laba operasional sebesar Rp6,22 miliar. Laba tahun pada income was recorded at Rp6.22 billion. Profit for the year in 2019
tahun 2019 sebesar Rp913 juta, turun 81,64% dibandingkan tahun was Rp 913 million, a decrease of 81.64% compared to that of
sebelumnya sebesar Rp4,97 miliar. previous year of Rp4.97 billion.
Rasio-rasio keuangan utama dari Bank Victoria Syariah juga The main financial ratios of Bank Victoria Syariah also decreased
mengalami penurunan di tahun 2019. Rasio Kecukupan Modal in 2019. Capital Adequacy Ratio (CAR) decreased from 22.07%
(CAR) turun dari 22,07% di 2018 menjadi 19,44% di 2019. Sementara in 2018 to 19.44% in 2019. Whereas, net interest income also
itu, pendapatan bunga bersih juga menurun, dari 2,91% di 2018 decreased from 2.91% in 2018 to 2.42% in 2019.
menjadi 2,42% di 2019.
Sejalan dengan itu, NPF-net menjadi lebih baik, dari 3,46% di Correspondingly, net NPF also improved from 3.46% in 2018
2018 menjadi 2,64% di 2019. Imbal hasil rata-rata baik terhadap to 2.64% in 2019. Return on Assets (ROA) and Return of Equity
aset (ROA) maupun ekuitas (ROE) juga menurun cukup signifikan, (ROE) also decreased quite significantly to 0.05% and 0.39%,
masing-masing menjadi 0,05% dan 0,39%. Di tahun 2018, ROA dan respectively. In 2018, ROA and ROE were recorded at 0.32% and
ROE tercatat sebesar 0,32% dan 2,02%. 2.02%, respectively.

5
Aspek
Pendukung
Bisnis
Aspect of Business Support
Salah satu strategi dan fokus pertumbuhan

Bank di tahun 2019 adalah efisiensi jaringan
kantor serta peningkatan kapasitas dan
kapabilitas pemimpin di jaringan kantor
tersebut.
One of the strategies and focus of the Bank's growth in 2019
is the efficiency of office network and the increased capacity
and capabilities of the leaders in the offices.


Human Capital
// Human Capital
Human Capital (HC) menjadi salah satu keunggulan kompetitif Human Capital (HC) has become one of the competitive
untuk mendukung tercapainya kesuksesan Bank dalam advantages to support the achievement of the Bank's success in
menghadapi perkembangan teknologi dan perubahan pada facing technological developments and changes in the financial
industri keuangan. Berhubungan dengan hal tersebut, strategi industry. Regarding this matter, HC strategy and management in
dan pengelolaan HC di Bank Victoria senantiasa disesuaikan Bank Victoria is always adjusted to the Bank's long-term strategy
dengan strategi Bank dalam jangka panjang serta perkembangan and market developments that occur now and in the future.
pasar yang terjadi saat ini maupun masa yang akan datang.
Pengelolaan HC dimulai dengan menciptakan lingkungan kerja HC management begins with creating a comfortable and
yang nyaman dan harmonis guna memupuk solidaritas dan harmonious work environment in order to foster employee
loyalitas karyawan. Hal lain yang tidak kalah penting adalah solidarity and loyalty. Another thing that is no less important is
dengan mengembangkan kualitas HC secara berkesinambungan, to develop HC quality on an ongoing basis, especially through
khususnya melalui pengembangan kompetensi. Pengembangan competency development. The development is carried out
dilakukan secara menyeluruh di kantor pusat dan seluruh kantor thoroughly at the head office and all branch offices to ensure a
cabang guna menjamin meratanya HC yang handal dan berkualitas. reliable and high quality HC distribution. This is an effort of the
Hal tersebut merupakan upaya Bank dalam memastikan HC selalu Bank in ensuring that HC always has competence, expertise, and
memiliki kompetensi, keahlian dan komitmen, serta responsif commitment, and is responsive to changes while behaving in
terhadap perubahan dengan tetap berperilaku sesuai dengan accordance with the Bank's core values and culture.
nilai-nilai utama dan budaya Bank.
Kebijakan Pengelolaan Human Capital Human Capital Management Policy

Bank Victoria telah menetapkan panduan dan pedoman Bank Victoria has established guidance and guidelines for HC
pengelolaan HC guna menjaga kesesuaian dan kebenaran praktik management to maintain the suitability and correctness of HC
pengelolaan HC. Pedoman tersebut tertuang dalam Kebijakan dan management practices. These guidelines are contained in the
Prosedur Human Capital Management yang telah disahkan serta Human Capital Management Policies and Procedures that have
dimutakhirkan berdasarkan Surat Keputusan Direksi No. 014/ been validated and updated based on Board of Directors’ Decision

SK-DIR/07/19 tanggal 30 Juli 2019 tentang Standar Operasional Letter No. 014/SK-DIR/07/19 dated 30 July 2019 on Standard
Prosedur Human Capital Management. Kebijakan dan prosedur Operating Procedures of Human Capital Management. The
dimaksud mengatur hal-hal sebagai berikut. intended policies and procedures regulate the following matters.
Bab I : Penerimaan Karyawan/Karyawati Chapter I : Employee Acceptance

Bab II : Pelatihan dan Pendidikan Komisaris dan Direksi Chapter II : Training and Education of the Board of
Commissioners and the Board of Directors
Bab III : Pelatihan dan Pendidikan Karyawan/Karyawati Chapter III : Employee Training and Education
Bab IV : Beasiswa Pendidikan Chapter IV : Educational Scholarship
Bab V : Perjalanan Dinas Chapter V : Business Trip
Bab VI : Izin dan Cuti Karyawan/Karyawati Chapter VI : Employee Permits and Leave
Bab VII : Penilaian Karyawan/Karyawati Chapter VII : Employee Assessment
Bab VIII : Mutasi, Rotasi, Promosi, dan Demosi Chapter VIII : Transfer, Rotation, Promotion, and Demotion
Bab IX : Penggajian Chapter IX : Payroll
Bab X : Alih Daya (Outsourcing) Chapter X : Outsourcing
Bab XI : Pengunduran Diri Karyawan/Karyawati Chapter XI : Employee Resignation
Bab XII : Sertifikasi Manajemen Risiko Chapter XII : Risk Management Certification
Bab XIII : Penerapan Prinsip Know Your Employee (KYE) Chapter XIII : Implementation of Know Your Employee (KYE)
Roadmap Pengelolaan Human Capital Human Capital Management Roadmap

Rencana besar untuk mewujudkan Visi Bank ke depan memerlukan The big plan to realize the Bank's Vision going forward requires
dukungan sumber daya manusia yang produktif. Oleh karena itu, the support of productive human resources. Therefore, HC
pengelolaan HC harus diupayakan dan dilaksanakan secara optimal. management must be sought and implemented optimally. Bank
Bank Victoria telah menyiapkan tema strategi pengembangan sumber Victoria has prepared a theme of human resource development
daya manusia ke depannya berdasarkan Rencana Bisnis Bank Periode strategy going forward based on the 2020-2022 Bank Business
Tahun 2020-2022, yaitu “Menyiapkan performance oriented dan high Plan, namely "Preparing performance oriented and high caliber
calibre personnel sebagai key driver pertumbuhan bisnis yang prudent personnel as key drivers of business growth that is prudent and in
dan sesuai dengan asas-asas perbankan yang sehat”. accordance with sound banking principles".
Secara umum beberapa key element strategy yang sudah dan In general, several key element strategies that have been and
akan terus diterapkan Bank adalah: will continue to be applied at the Bank are:
1. Membentuk Performance Oriented Culture 1. Forming Performance-Oriented Culture

Menerapkan Performance Management Process di seluruh Implementing Performance Management Process in the
organisasi yang didukung oleh key performance indicator (KPI) entire organization supported by clear and transparent Key
dengan metode Balance Score Card yang jelas dan transparan, Performance Indicators (KPI) using the Balance Score Card
serta mekanisme penghargaan yang kuat dan adil. method, and a strong and fair reward mechanism.
2. Melengkapi Cabang dengan Tim Sales yang Kompeten 2. Equipping Branches with Competent Sales Teams
Menempatkan Branch Manager yang memiliki kompetensi Placing Branch Managers with high competence to lead
yang tinggi untuk memimpin kantor cabang dengan didukung branch offices supported by sufficient, disciplined, and
oleh tim sales yang cukup, disiplin, dan agresif dalam aggressive sales teams in market penetration.
melakukan penetrasi pasar.
3. Membentuk Victoria Corporate University 3. Establishing Victoria Corporate University

Membentuk Victoria Corporate University dalam rangka Forming Victoria Corporate University in order to optimize
mengoptimalkan kompetensi sumber daya manusia yang the competencies of reliable and trusted human resources
handal dan terpercaya baik di kantor pusat dan cabang yang at head office and branch offices, supported by a strong
didukung oleh learning management, assessment center dan learning management, assessment center, and talent pool.
talent pool yang kuat.

Adapun rencana roadmap 3 (tiga) tahun ke depan untuk strategi The next 3 (three) year roadmap plan for HC development strategy
pengembangan HC yang ditunjukan sebagai berikut. is shown as follows.
2020 2021 2022
Full cycle performance Full cycle performence management 2020-2022

Membentuk Performance
management 2020
Oriented Culture
1
Creating Performance
Mengintegrasikan data setiap Review Review
Oriented Culture karyawan secara lengkap
Integrating data of each employee
in full
Menyeleksi dan menempatkan sales team (Branch Manager, Marketing dan Relationship Officer) dengan profil dan
Melengkapi Cabang dengan kompetensi yang tepat di cabang sehingga mampu membawa dan mengoptimalkan performance cabang
Sales Team yang kompeten Selecting and placing sales team (Branch Manager, Marketing and Relationship Officer) with the right profile and
Equipping Branches with 2 competence at the Branches in order to bring and optimize performance of the Branch
competent Sales Team
Placement and Monitoring Secara berkelanjutan melakukan proses recruitment, training, placement, dan
evaluasi sales team sesuai kebutuhan kantor cabang dan perkembangan bisnis
Continuously conducting recruitment, training, placement, and evaluation of the
sales team according to the needs of the branch office and business development
Membentuk Victoria Corporate Mengoptimalkan dan menjadi pusat Review Learning and Review talent Learning and
University pengembangan SDM yang handal dan Competency Assessment needs Assessment
3 terpercaya Gap Process Process
Creating Victoria Corporate
Optimizing and becoming a reliable
University
and trustworthy human resources
development center
Struktur Pengelola Human Capital Human Capital Management Structure

Pengelolaan HC Bank Victoria menjadi tangggung jawab Divisi Bank Victoria’s HC management shall be the responsibility of
Human Capital Management and General Affair dengan didukung the Human Capital Management and General Affairs Division
oleh beberapa unit kerja yang dimilikinya. Divisi dan unit kerja supported by several work units under the Division. The divisions
tersebut dipimpin oleh Direksi dalam melakukan pengelolaan HC. and work units are led by the Board of Directors in managing
Pelaksanaan tugas oleh Divisi dipertanggungjawabkan secara HC. The duty implementation of the Division shall be directly
langsung kepada Wakil Direktur Utama. Struktur organisasi accounted to the Deputy President Director. The organizational
pengelola HC ditunjukan sebagai berikut. structure of the Company’s HC management is shown as follows.

Rusli
Kepala Divisi Human Capital Management and General Affair

Head of Human Capital Management and General Affairs Division
Syahda Candra
Wakil Kepala Divisi Recruitment and People Development Kepala Bagian Payroll and Services
Recruitment and People Development Vice Division Payroll and Services Unit Head
Erik Pradityo Yunita Tanzil
People Development Officer Payroll and Services Officer
Recruitment Officer

Fungsi serta ruang lingkup tugas terkait HC dari masing-masing The functions and scope of duties related to HC from each
Divisi dan Unit Kerja diuraikan sebagai berikut. Division and Work Unit are described as follows.
Fungsi Ruang Lingkup Tugas

Function Scope of Duties
Divisi Human Capital Management and General Affair
Human Capital Management and and General Affair Division
Mengelola kebijakan di bidang sumber daya manusia. Mengelola, memonitor, dan melaksanakan: perencanaan, pengelolaan
Managing policies in the field of human resources. dan administrasi bidang rekrutmen, pendidikan dan pengembangan,
administrasi gaji, kesejahteraan HC, serta pengadministrasian data HC.
Manage, monitor and implement: planning, management and administration
of recruitment, education and development, salary administration, HC
welfare, administering HC data.
Recruitment and People Development
Mengelola pelaksanaan rekrutmen/penempatan dan pendidikan, serta • Mengusulkan, melaksanakan penerimaan dan penempatan karyawan,
pengembangan karyawan. melakukan administrasi surat penerimaan dan mutasi, pengarsipan
Managing the implementation of recruitment/placement and education, dokumentasi karyawan, pembuatan surat pengangkatan jabatan, serta
and employee development. pengadministrasian lainnya; dan
• Mengelola, merencanakan, dan mengadministrasikan seluruh kegiatan
yang berhubungan dengan pendidikan dan pengembangan karyawan,
seperti seminar dan pelatihan, baik internal maupun eksternal.
• Propose, carry out recruitment and placement of employees, carry out
the administration of recruitment and mutation letter, archive employee
documentation, the making of letter of position appointment, and other
administration; and
• Manage, plan, and administer all activities related to education and
development of employees, such as seminar and training, both internal
and external.
Payroll and Services
Mengelola pelaksanaan imbalan/gaji dan kesejahteraan karyawan. Mengelola dan melaksanakan kebijakan Direksi mengenai gaji, bonus, THR,
Managing the implementation of rewards/salaries and employee benefits. pajak penghasilan 21 dan 23, lembur, pinjaman, cuti, BPJS Ketenagakerjaan,
BPJS Kesehatan, dan asuransi kesehatan karyawan.
Manage and implement the Board of Directors’ policy concerning salary,
bonus, THR, Income Tax (21 and 23), overtime, loans, leaves, BPJS of
Employment, BPJS of Health, and health insurance of employees.
Profil Kepala Divisi Human Capital Management and General Profile of Head of Human Capital Management and General
Affair Affairs Division
Saat ini, Divisi Human Capital Management and General Affair At present, the Human Capital Management and General Affairs
dipimpin oleh Syahda Candra. Profil Kepala Divisi Human Capital Division is led by Syahda Candra. The profile of the Human Capital
Management and General Affairs telah dimuat pada pembahasan Management and General Affairs Division Head is included in the
Profil Pejabat Eksekutif pada bab Profil Perusahaan dalam Executive Officers’ Profiles in the Company Profile chapter of this
Laporan Tahunan ini. Annual Report.
Perencanaan Kebutuhan Human Capital Planning for Human Capital Needs

Bank Victoria melakukan perencanaan kebutuhan HC (man power Bank Victoria plans HC manpower planning every year by
planning) setiap tahun dengan mempertimbangkan pertumbuhan considering the Bank's business growth and business development
bisnis dan rencana pengembangan usaha Bank. Perencanaan plan. HC planning is carried out based on the identification of
HC dilakukan berdasarkan hasil identifikasi dari persyaratan requirements needed and adjusted to the formation standards,
yang dibutuhkan dan disesuaikan dengan standar formasi, as well as consideration of performance and potential in 2019.
serta pertimbangan kinerja dan potensi di tahun 2019. Hal ini This is done in order to provide the best results to support the
dilakukan agar dapat memberikan hasil terbaik guna mendukung implementation of the business strategy set by Bank Victoria.
pelaksanaan strategi bisnis yang ditetapkan oleh Bank Victoria.
Untuk tahun 2019, strategi perencanaan kebutuhan dijalankan In 2019, a needs planning strategy was carried out by optimizing
dengan melakukan optimalisasi dan sinergi seluruh HC. and synergizing the entire HC. Recruitment is carried out to aim at
Rekrutmen dilakukan bertujuan untuk memenuhi kekosongan filling vacancies due to employee resignations, promotions, and
jabatan karena adanya karyawan yang mengundurkan diri, employee rotations.
promosi, maupun rotasi karyawan.

Rekrutmen Human Capital Human Capital Recruitment

Pelaksanaan rekrutmen dilakukan dengan membuka seluas- The recruitment is conducted by providing opportunity as
luasnya kesempatan kepada seluruh kandidat, tanpa diskriminasi wide as possible for all candidates, without any discrimination
terhadap perbedaan suku, agama, ras, maupun golongan politik. to differences of ethnic, religion, race, and political group.
Selain itu, pelaksanaan rekrutmen juga mengutamakan tenaga Furthermore, the recruitment also prioritizes local (domestic)
kerja lokal (dalam negeri) sebagai bentuk pemberian kesempatan workforce as a form of providing the widest possible employment
kerja bagi masyarakat Indonesia. opportunities for the Indonesian people.
Berdasarkan kebijakan dan produser Human Capital Management Based on the policy and procedure in Human Capital Management
yang telah disahkan melalui Surat Keputusan Direksi No. 014/ sector, which was validated through No. 014/SK-DIR/07/19 dated
SK-DIR/07/19 tanggal 30 Juli 2019 tentang Standar Operasional 30 July 2019 on Standard Operating Procedures of Human Capital
Prosedur Human Capital Management, kelompok tenaga kerja Management, the group of manpower recruited can consist of:
yang direkrut meliputi:
1. Organik; 1. Organic;
2. Kontrak; dan 2. Contract; and
3. Outsourcing. 3. Outsourcing.
Tahapan-tahapan dalam proses rekrutmen Bank Victoria The stages in Bank Victoria’s recruitment process are elaborated
ditunjukan sebagai berikut. as follows.
Menetapkan sumber, media,

Mengidentifikasi jabatan yang Mencari informasi jabatan melalui
dan sarana untuk mendapatkan
kosong dan kebutuhan tenaga analisa jabatan.
kandidat yang tepat.
kerja. Looking for information on Determining the source, media,
Identifying vacant positions and positions through position and facility to get the perfect
the need for manpower. analysis. candidate.
Memanggil kandidat-kandidat yang Memilih metode-metode proses

Menyaring dan menyeleksi dianggap memenuhi persyaratan
kandidat. rekrutmen yang tepat.
jabatan.
Screening and selecting Selecting accurate methods of
Inviting candidates who meet the recruitment process.
candidates. requirements.
1. Mengidentifikasi jabatan yang kosong dan kebutuhan 1. Identify vacant positions and the need of manpower
tenaga kerja
Proses rekrutmen dimulai saat: adanya bidang pekerjaan The recruitment process starts when new job fields
baru di Bank; karyawan dipindahkan atau dipromosikan ke available in the company, employees rotated or promoted
posisi lain; mengajukan permintaan pengunduran diri; adanya to other position, submitted a request for resignation, PHK
PHK; dan lain-lain. Dengan melihat dinamika dari beberapa (termination), etc. By seeing the dynamic from some of these
hal tersebut dan mencocokkannya dengan perencanaan HC things and matching them with the HC planning already
yang sudah tersusun, maka akan diketahui jabatan apa saja compiled, it will be known which positions are vacant and the
yang sedang kosong dan berapa total tenaga kerja yang number of manpower required to fill those positions.
dibutuhkan untuk mengisi jabatan tersebut.
2. Mencari informasi jabatan melalui analisa jabatan 2. Looking for information on positions through the position
analysis
Untuk memperoleh uraian jabatan dan spesifikasi jabatan To obtain job description and job specification as the basis
sebagai landasan dalam membuat persyaratan jabatan, Bank in preparing position requirements, Bank shall apply position
menerapkan sistem persyaratan jabatan secara hati-hati dan requirement system carefully and as clear as possible, so that
sejelas mungkin, sehingga kandidat yang didapatkan benar- it can get the candidate in accordance with the need.
benar sesuai dengan yang diperlukan.

3. Menetapkan sumber, media, dan sarana untuk mendapatkan 3. Determine the source, media, and facility to get the right
kandidat yang tepat. candidate
Terdapat 2 (dua) alternatif untuk mencari kandidat, yakni dari There are 2 (two) alternatives to find candidates, namely from
dalam perusahaan atau dari luar perusahaan. Rekrutmen the inside or outside of the company. Recruitment from the
dari dalam dilakukan apabila kebutuhan staf untuk masa inside shall be conducted if the need of staff in the future has
yang akan datang telah direncanakan, sehingga diketahui already been planned, so that the current available employee
karyawan yang ada saat ini yang dapat dipindahkan atau who can be rotated or promoted can be known. Whereas,
dipromosikan. Sedangkan, rekutmen dari luar dilakukan recruitment from the outside is conducted with careful
dengan pertimbangan cermat tentang metode rekrutmen consideration on the right recruitment method to get the
yang tepat untuk mendapatkan kandidat tersebut. candidate.
4. Memilih metode-metode proses rekrutmen yang tepat 4. Select the right recruitment process methods
Ada banyak metode rekrutmen yang dapat dipilih oleh Bank There are many methods of recruitment to select by Bank in
dalam melakukan rekrutmen, seperti iklan, job posting, conducting recruitment, such as advertisement, job posting,
employee referrals, walk-ins dan write-ins, head hunter, employee referrals, walk-ins and write-ins, head hunter,
lembaga pendidikan, serta berbagai sumber lain. Bank juga education institutions, and several other sources. Bank is
dapat memilih lebih dari satu metode, tergantung pada also can choose more than one method, depending on the
situasi dan kondisi yang terjadi saat itu. situation and condition occur at that time.
5. Memanggil kandidat-kandidat yang dianggap memenuhi 5. Call/invite the candidates which met the requirements to
persyaratan jabatan come
Mengumpulkan berkas-berkas lamaran kandidat dan meminta Compile application files of the candidates and ask them to
kandidat untuk mengisi formulir lamaran pekerjaan yang telah fill in the job application form already prepared for further
disediakan untuk selanjutnya diproses dalam tahap seleksi. process in the selection stage.
6. Menyaring dan menyeleksi kandidat 6. Screen and select the candidates

Prosedur seleksi perlu dilakukan dengan alasan: The selection procedure needs to be done due to reasons:
a. Pelaksanaan tugas pada jabatan yang akan diisi a. The duties implementation in the position to be filled
memerlukan ciri-ciri fisik dan psikis tertentu yang tidak requires certain physical and psychic characteristics
dimiliki oleh setiap orang; that are not possessed by any individual;
b. Ada lebih banyak kandidat yang tersedia dibandingkan b. There are more candidates available compared to the
total jabatan yang akan diisi; number of position to be filled;
c. Ada banyak teknik atau metode seleksi yang digunakan c. There are many techniques or methods of selection used
oleh Bank dalam menyaring karyawan; dan by Bank in screening employees; and
d. Masing-masing teknik seleksi mengukur karakteristik d. Each technique will measure certain characteristic,
tertentu, sehingga akan memberi informasi yang so it will give different information concerning the
berbeda-beda mengenai kandidat. candidate.
Skema Rekrutmen Human Capital Human Capital Recruitment Scheme

Proses seleksi rekrutmen HC Bank Victoria menggunakan suatu Bank Victoria’s HC recruitment selection process uses a method
metode sebagai predictor dalam prosedur seleksi yang sangat as predictor in the selection procedure that highly depends on:
tergantung pada:
1. Ciri-ciri pekerjaan; 1. Job characteristics;
2. Validitas dan reliabilitas metode; 2. Method validity and reliability;
3. Persentase calon yang terseleksi; dan 3. Percentage of candidates selected; and
4. Biaya penggunaan teknik tertentu. 4. Fee for using certain techniques.

Proses seleksi Bank Victoria terdiri dari tahapan-tahapan sebagai Bank Victoria’s selection process consists of the following stages:
berikut.
Tes Kemampuan dan Wawancara oleh HCM

Seleksi Administrasi Kepribadian dan End User
Administrative Selection
Capability & Personality Test Interview by HCM and End User
Assessment oleh Tes Fisiologis dan

Pihak Independen Tes Simulasi Pekerjaan
Assessment by Independent Physiology & Job
Party Simulation Test
Pengembangan Kompetensi Human Capital Competence Development

Human Capital
Bank Victoria memberikan kesempatan bagi setiap karyawan Bank Victoria provides an opportunity for every employee to
untuk mengembangkan kompetensi, baik secara personal develop competence, both personally and professionally. This
maupun profesional. Hal ini merupakan bentuk komitmen Bank is a form of the Bank's commitment to ensure that the quality
untuk memastikan kualitas dan kapabilitas HC agar sesuai dengan and capability of HC are in accordance with the requirements.
yang dibutuhkan. Keikutsertaan karyawan dalam pengembangan Employees’ participation in competence development program
kompetensi ditentukan oleh kebutuhan Bank dan karyawan is determined by the needs of the Bank and employees by
dengan memperhatikan kesetaraan gender dan persamaaan considering gender equality and equal opportunities for all of the
kesempatan bagi seluruh HC Bank, baik bagi HC yang baru Bank's HC, for newly recruited HC, existing, as well as for staff and
direkrut maupun yang telah ada, serta bagi staf maupun non-staf. non-staff.
Bank Victoria telah merencanakan pembentukan Corporate Bank Victoria has planned the formation of a Corporate University
University yang disebut Victoria Corporate University (VCU) called Victoria Corporate University (VCU) as a means of learning
sebagai sarana program pembelajaran dan pengembangan programs and employee competency development in line with
kompetensi karyawan seiring dengan perkembangan bisnis the Bank's business development. With the existence of Victoria
Bank. Dengan adanya Victoria Corporate University, diharapkan Corporate University, it is expected to be a driving force for
dapat menjadi motor penggerak untuk mewujudkan SDM yang realizing professional and high competent HR as a source of
profesional dan berkompetensi tinggi sebagai sumber keunggulan excellence and supporting the Company's competitiveness.
dan pendukung daya saing perusahaan.
Victoria Corporate University mengemban misi sebagai berikut. Victoria Corporate University has the following missions.
1. Mengembangkan program pendidikan dan pelatihan berbasis 1. Developing competency-based education and training
kompetensi; programs;
2. Mengembangkan organisasi dan karyawan pembelajar yang 2. Developing efficient learning organization and employee; and
efisien; dan
3. Membentuk assessment center serta talent pool yang mampu 3. Forming an assessment center and talent pool that is able to
mengidentifikasi dan mengelola pengembangan karir identify and manage employee career development in order
karyawan guna menciptakan leader yang kuat. to create strong leaders.
Pengembangan HC yang berbasis kompetensi ditujukan agar HC dapat Competence-based HC development is intended to enable
menguasai tugas-tugas dalam penyelenggaraan usaha perbankan, HC to master the duties in the operation of banking business,
khususnya terkait peningkatan kualitas pelayanan serta dapat particularly related to the improvement of service excellence, and
memenuhi standar kinerja yang telah ditetapkan. Hal ini juga dilakukan to meet the set performance standard. This is also done to ensure
untuk memastikan ketersediaan HC yang andal dan profesional dalam the availability of reliable and professional HC in running Bank
menjalankan aktivitas bisnis Bank Victoria. Sebagai bentuk investasi Victoria’s business activities. As a form of a long-term investment,
jangka panjang, pengembangan HC akan memberikan dampak nyata HC development will give a real impact on the improvement of the
bagi peningkatan kinerja dan eksistensi Bank di masa yang akan datang. Bank’s performance and existence in the future.

Salah satu media pengembangan kompetensi HC yaitu melalui One of HC competence development media is the empowerment
pemberdayaan program pendidikan dan pelatihan yang of education and training programs based on the needs for
didasarkan pada kebutuhan pengembangan individu untuk individual development to support the success of performance
menunjang keberhasilan kinerja dan karier. Program pendidikan and career. Such education and training programs are adjusted
dan pelatihan tersebut disesuaikan dengan Rencana Pelatihan to the Annual Training Plan prepared based on Training Need
Tahunan yang disusun berdasarkan Training Need Analysis. Analysis.
Pengembangan Kompetensi Tahun 2019 Competency Development in 2019

Pada tahun 2019, Bank Victoria telah mengikutsertakan karyawan In 2019, Bank Victoria engaged employees in various competency
pada berbagai program pengembangan kompetensi sesuai development programs in accordance with the needs of their
dengan kebutuhan jabatan masing-masing. Program kompetensi respective positions. The competency programs were attended
tersebut diikuti oleh 5.110 peserta dengan total jam pelatihan by 5,110 participants with total training hours reaching 56,277
mencapai 56.277 jam atau setara dengan 11 jam/orang. Berikut hours or equivalent to 11 hours/person. Details of trainings
rincian pelatihan yang dilaksanakan pada tahun 2019. conducted in 2019 are as follows.
Pengembangan Kompetensi Karyawan Berdasarkan Strata Jabatan

Employees Competence Development By Level of Position
Jumlah Peserta (orang)

Total Participants (persons) Total
Persentase
Jenis Pelatihan (orang)
Dewan Komisaris Direksi Percentage
Type of Trainings Manajer Total
Board of Board of Officer Non Staff (%)
Manager (persons)
Commissioners Directors
Training / Inhouse 25 37 1,858 2,495 419 4,834 94.60
Training Refreshment 2 4 10 10 - 26 0.51
Training/Public 2 1 18 92 - 113 2.21
Seminar/Public - 5 8 10 - 23 0.45
Certification 1 - 48 50 - 99 1.94
Training-Certification - - - 11 - 11 0.22
Educational Scholarship - - - 4 - 4 0.08
Total 30 47 1,942 2,672 419 5,110 100.00
(%) 0.59 0.92 38.00 52.29 8.20 100.00 100.00
Materi Pengembangan Kompetensi

Competence Development Material
Jenis Materi Penyelenggara Waktu Tujuan

Type Material Organizer Time Objectives
Training/Inhouse
Training/Inhouse Pelatihan Anti Pencucian Uang dan Pencegahan Bank Victoria Januari-Desember Memberikan pemahaman mengenai
Pendanaan Terorisme (APU dan PPT) January- pengetahuan tentang APU dan PPT
Training on Anti-Money Laundering and December Providing understanding and knowledge on
Prevention of Terrorism Financing (APU and APU and PPT
PPT)
Training/Inhouse Training and Survey Service Excellent Cabang Bank Victoria - Januari Memberikan pengetahuan terkait pelayanan
Bank Victoria Blasius Haryanto January prima nasabah
Training and Survey on Service Excellence of Providing knowledge on excellent customer
Bank Victoria’s Branch Offices services
Training/Inhouse Pelatihan Komprehensif Reksadana (Wealth PT Momenta Januari Memberikan pemahaman komprehensif
Management) January mengenai reksadana
Comprehensive Training on Mutual Funds Providing comprehensive understanding on
(Wealth Management) mutual funds


Training/Inhouse Training System Medallion, Branch Operation, Medallion Januari Memberikan pengetahuan tentang
Product, and IT January penggunaan sistem medalion
Training on Medallion System, Branch Providing knowledge on using medalion
Operation, Product, and IT system
Training/Inhouse Training Operasional Bank Victoria Februari, Maret, Menambah pengetahuan mengenai standar
Training on Operations Juni, dan Juli prosedur operasional dan ketentuan bidang
February, March, operasional
June, and July Adding knowledge on standard operating
procedure and provisions on operations
sector
Training/Inhouse Training Beauty Class and Grooming Sari Ayu Februari, Mei, dan Memberikan pengetahuan dan wawasan
Training on Beauty Class and Grooming Agustus berpenampilan dan bersikap yang baik
February, May, Providing knowledge and insight on good
and August appearance and behavior
Training/Inhouse Training Aplikasi Internet Banking Business Bank Victoria Februari Memberikan pengetahuan mengenai
(ViBiz) February penerapan Aplikasi ViBiz
Training on Internet Banking Business (ViBiz) Providing knowledge on implementing ViBiz
Application Application
Training/Inhouse Training Going Extra Mile - Raker 2019 Bank Victoria Februari Menambah wawasan mengenai pentingnya
Training on Going the Extra Mile - 2019 Work - Business February memperkuat daya saing bisnis dalam era
Meeting Wisdom digitalisasi
Institute Adding insight into the importance of
strengthening business competitiveness in
the digitalization era
Training/Inhouse Training Sosialisasi MDT-Driver Batavia Februari Memberikan pemahaman tentang sistem MDT
Training on Dissemination of MDT-Driver February Providing understanding on MDT system
Training/Inhouse Training Service Budaya Blasius Haryanto Februari dan Memberikan pengetahuan dan wawasan
Training on Cultural Services Maret terkait pentingnya budaya pelayanan
February and Providing knowledge and insight related to
March the importance of service culture
Training/Inhouse Pelatihan Penerapan K3 di Lingkungan Bank Bank Victoria Februari Memberikan pemahaman tentang konsep K3
Training on OHS Implementation in the February Provide understanding of OHS concept
Bank’s Environment
Training/Inhouse Training Service Quality, Role Play and Bank Victoria Maret-Juni Memberikan pengetahuan terkait pentingnya
Edukasi Otoritas Jasa Keuangan March-June kualitas layanan dan praktik implementasinya
Training on Service Quality, Role Play, and Providing knowledge related to the
Education of Financial Services Authority importance of service quality and its
implementation practices
Training/Inhouse Pelatihan Penyusunan Standar Operasional Bank Victoria Maret-Agustus Memberikan pengetahuan terkait penyusunan
Prosedur dan Pendampingan Implementasi March-August standar operasional prosedur bank notes dan
Bank Notes praktik implementasinya
Training on Preparing the Standard Providing knowledge related to preparing
Operating Procedure and Assistance in standard operating procedures for bank
Implementing Bank Notes notes and their implementation practices
Training/Inhouse Training Fraud Awereness and Prevention Bank Victoria Maret dan Juli Memberikan pengetahuan mengenai
Training on Fraud Awareness and Prevention March and July pentingnya kesadaran serta tindakan
pencegahan fraud
Providing knowledge on the importance of
fraud awareness and prevention measures
Training/Inhouse Pelatihan Sinergi Cabang dalam Mencapai Bank Victoria Maret, Juli, Memberikan wawasan mengenai pentingnya
Target Oktober, dan sinergi cabang dalam rangka keningkatkan
Training on Branch Synergy in Achieving Desember kinerja bisnis Bank
Target March, July, Providing insight on the importance of
October, and branch synergy in order to improve the Bank's
December business performance


Training/Inhouse Pelatihan dan Sosialisasi Transaksi Valas dan Bank Victoria Maret-Oktober Memberikan pengetahuan terkait proses
Aplikasi ViBiz March-October transaksi valuta asing dan praktik
Training on and Dissemination of Forex implementasinya pada Aplikasi ViBiz
Transactions and ViBiz Application Providing knowledge related to the process
of foreign exchange transactions and its
implementation practices on ViBiz Application
Training/Inhouse Training Operation Banking Control Next Leader Maret Memberikan pengetahuan mengenai
Training on Operation Banking Control Consulting March pentingnya fungsi pengawasan di bidang
operasional
Providing knowledge on the importance of
supervisory function in operational field
Training/Inhouse Training Technical PSAK 71 Heliantono dan Maret Memahami pengetahuan tentang PSAK 71
Technical Training on PSAK 71 Rekan March Understanding PSAK 71
Training/Inhouse Training dan Workshop Managing People and Armand B Arief April dan Agustus Meningkatkan kepemimpinan karyawan
Processes for Boosting Performance April and August khususnya boosting performance dalam
Training and Workshop on Managing People rangka pencapaian kinerja
and Processes for Boosting Performance Increasing employee leadership, especially
boosting performance in order to achieve
performance
Training/Inhouse Pelatihan dan Pendampingan Bisnis Bank Bank Victoria April-September Memberikan pengetahuan terkait bisnis bank
Garansi dengan Perusahaan Asuransi garansi dengan perusahaan asuransi dan
Training on and Assistance for Bank praktik implementasinya
Guarantee Business with Insurance Providing knowledge related to bank
Companies guarantee business with insurance
companies and its implementation practices
Training/Inhouse Pelatihan Admin Kredit Back Office Lembaga April Memahami pengetahuan secara
Training for Back Office Credit Admin Pengembangan komprehensif bidang admin kredit
Perbankan Understanding credit admin field
Indonesia comprehensively
Indonesian
Banking
Development
Institute
Training/Inhouse Pelatihan Jangan Lepaskan Islam Jadilah Bank Victoria April Menambah wawasan mengenai kebersamaan
Pemenang-Tadabur Alam bagi karyawan
Training on Don't Give Up Islam Become a Adding insight into togetherness for
Winner - Tadabur Alam employees
Training/Inhouse Pelatihan Ramadhan 1440 H Membentuk Bank Victoria Mei Menambah wawasan mengenai kebersamaan
Pribadi yang Amanah dan Terpercaya May serta kepemimpinan bagi karyawan
Ramadan 1440 H Training on Becoming a Adding insight into togetherness and
Trustworthy and Trusted Person leadership for employees
Training/Inhouse Pelatihan Product Knowledge dan Bank Victoria Juni Menambah pengetahuan mengenai produk
Operasional Bank untuk Frontliner June serta penerapan implementasi pada bidang
Training on Product Knowledge and Bank operasional
Operations for Frontliner Adding knowledge on products and their
implementation in operational field
Training/Inhouse Training Website (Front End and Back End) Bank Victoria Juni Memberikan pengetahuan terkait sistem
Training on Website (Front End and Back June front end dan back end
End) Providing knowledge related to front end and
back end systems
Training/Inhouse Pelatihan Induction, Kode Etik, HCM Corner, Bank VIctoria Juli dan Agustus Sosialisasi dan pengenalan Kode Etik dan
Tata Tertib Berbusana July and August Tata Tertib Perusahaan
Training on Induction, Code of Conduct, HCM Dissemination and introduction of the
Corner, Grooming Conduct Company's Code of Ethics and Code of
Conduct
Training/Inhouse Training Frontliner Development Program Bank Victoria Juli-Oktober Mempersiapkan tenaga officer untuk
Training on Development Program for July-October frontliner yang handal
Frontliner Preparing reliable officers for frontliner


Training/Inhouse Training Design, Delivery, and Drive (DDD) Blasius Haryanto Juli Mempersiapkan tenaga pelatih yang handal
Training on Design, Delivery, and Drive (DDD) July Preparing reliable trainers
Training/Inhouse Training and Workshop Risk Register– Perbanas Juli Menambah pengetahuan mengenai risk
Operational Risk Management July register operasional dan risk management
Training and Workshop on Risk Register– Adding knowledge on operational risk
Operational Risk Management registers and risk management
Training/Inhouse Pelatihan Penggunaan APAR Penerapan K3 Bank Victoria Juli Memberikan pemahaman tentang konsep K3
di Lingkungan Bank July serta penggunaan APAR
Training on Using Fire Extinguishers, OHS Providing understanding of OSH concepts
Implementation in the Bank’s Environment and the use of Fire Extinguishers
Training/Inhouse Pelatihan Pengenalan Keaslian Mata Uang Asing Bank Victoria Juli-Agustus Memberikan pemahaman tentang keaslian
Training on Identifying the Authenticity of July-August mata uang asing
Foreign Currencies Providing an understanding of the
authenticity of foreign currencies
Training/Inhouse Training Credit SME Course PT Synergy Daya Juli Meningkatkan pemahaman mengenai kredit
Training on SME Credit Course Utama July small medium enterprise
Increasing understanding of small medium
enterprise credit
Training/Inhouse Training Refreshment Awareness and GPI Agustus-Oktober Memberikan pengetahuan mengenai
Preventif Fraud August-October pentingnya kesadaran serta tindakan
Refreshment Training on Fraud Awareness pencegahan fraud
and Prevention Providing knowledge on the importance of
fraud awareness and prevention measures
Training/Inhouse Training Preparing Sustainable Finance ProAd Agustus Memberikan pemahaman tentang penerapan
Training on Preparing for Sustainable August terkait pengembangan pembiayaan keuangan
Finance berkelanjutan
Providing understanding of the
implementation of sustainable finance
financing development
Training/Inhouse Pelatihan Ciri-Ciri dan Keaslian Mata Uang Kantor Cabang Agustus Memberikan pemahaman tentang keaslian
Asing Utama Surabaya August mata uang asing
Training on Characteristics and Authenticity Surabaya Main Providing an understanding of the
of Foreign Currencies Branch Office authenticity of foreign currencies
Training/Inhouse Pelatihan Satpam Bank Victoria Agustus Meningkatkan kualitas sikap dan layanan bagi
Training for Security Officers August tenaga Satpam
Improving the quality of attitudes and
services for security guards
Training/Inhouse Training Refreshment Medallion Open End Simian Oktober Memberikan wawasan dan penyegaran
Product October kembali tentang sistem medalion
Refreshment Training on Medallion Open End Providing insight and refresher on the
Product medallion system
Training/Inhouse Pelatihan dan Sosialisasi Pembelian SBN Trimegah Oktober Memberikan sosialisasi tentang pembelian
dan SUN Ritel October SBN dan SUN Ritel
Training on and Dissemination of Purchase Providing dissemination of purchasing SBN
of SBN and Retail SUN and Retail SUN
Training/Inhouse Training Sharing and Coaching Session Bank Victoria Oktober Meningkatkan motivasi dan kinerja kepala
Training on Sharing and Coaching Session October operasional
Increasing motivation and performance of
operational heads
Training/Inhouse Training Special Gift - Natal Bank Victoria Bank Victoria Desember Menambah wawasan spriritual mengenai
Training on Special Gift - Christmas of Bank December kebersamaan bagi karyawan
Victoria Adding spiritual insight about togetherness
for employees


Training/Inhouse Pelatihan Teknik Pembuatan Rencana PT Dakara Desember Memberikan pemahaman mengenai teknik
Kerja, Pemeriksaan dan Laporan Hasil Audit Sarana December pembatan rencana kerja dan pemeriksaan audit
Berbasis Risiko (RBIA) Excellentia Providing understanding of techniques for
Technical Training on Preparing Work Plans, limiting work plans and audit checks
Audit and Risk-Based Audit Reports (RBIA)
Training/Public
Training/Public Training Kepatuhan Bisnis Bank Equivalent Februari Memberikan pemahaman mengenai
Training on Bank’s Business Compliance February kepatuhan bisnis bank
Providing understanding on bank’s business
compliance
Training/Public Training Peran Bank dalam Menjaga Forum Februari Menambah wawasan dan pengetahuan
Stabilitas Melalui Pencegahan Tindak Pidana Komunikasi February mengenai pencegahan TPPU-TPPT dan fraud
Pencucian Uang (TPPU) - Tindak Pidana Direktur di sektor perbankan
Pendanaan Terorisme (TPPT) dan Fraud di Kepatuhan Providing insight and knowledge on
Sektor Perbankan Perbankan prevention of TPPU - TPPT and fraud in the
Training on the Role of Banks in Maintaining FKDKP banking sector
Stability through Prevention of Criminal (Communication
Action of Money Laundering (TPPU) - Forum of Banking
Terrorism Funding (TPPT) and Fraud in the Compliance
Banking Sector Directors)
Training/Public Pelatihan Sosialisasi Kebijakan Bank Bank Indonesia Maret Menambah wawasan dan pengetahuan
Indonesia Terkait Pengelolaan Uang Rupiah March mengenai sosialisasi kebijakan Bank
dan Kegiatan Capacity Building Kasir/Teller Indonesia terkait pengelolaan uang Rupiah
Perbankan 2019 dan kegiatan capacity building
Training on and Dissemination of Bank Providing insight and knowledge on
Indonesia Policy on Rupiah Money dissemination of Bank Indonesia policy
Management and Banking Cashier/Teller related to Rupiah money management and
Capacity Building Activities 2019 capacity building activities
Training/Public Training IT for Banking dan Financial Infobank Maret Meningkatkan pengetahuan mengenai teknologi
Institution March Increasing knowledge on technology
Training on IT for Banking and Financial
Institution
Training/Public Pelatihan Kegiatan Pertemuan Tahunan Bank Indonesia Maret Meningkatkan pengetahuan mengenai SKN-BI
Evaluasi Penyelenggaraan dan Peraturan March Increasing knowledge on SKN-BI
Informasi Sistem Kliring Nasional Bank
Indonesia (SKN-BI)
Training on Annual Meeting of Evaluating the
Execution and Regulations of Information
for Bank Indonesia National Clearing System
(SKN-BI)
Training/Public Pelatihan Tematik LBU Tahap II Tahun 2019 Bank Indonesia Maret Memberikan pemahaman mengenai Tematik
Thematic Training on LBU Phase II 2019 March LBU
Providing understanding on Thematic LBU
Training/Public Pelatihan Ber-partner dengan Media Kompas Institute Maret Memberikan pengetahuan dan wawasan
Training on Partnering with Media March mengenai menjalin partnership dengan media
Providing knowledge and insight on
establishing partnership with the media
Training/Public Pelatihan Kontribusi CRP dalam Membangun Lembaga April Menambah pengetahuan dan pemahaman
Pasar Modal yang Berintegritas dan Sertifikasi Profesi tentang pasar modal yang berintegritas
Berkesinambungan Pasar Modal Adding knowledge and understanding on
Training on CRP Contribution in Building Capital Market capital markets with integrity
Integrity and Sustainable Capital Market Professional
Certification
Institute
Training/Public Training IT Supervisory Management Silikon Asia April Meningkatkan pengetahuan mengenai IT
Training on IT of Supervisory Management supervisory management
Increasing knowledge on IT supervisory
management


Training/Public Training Focus Group Discussion Layanan Bank Indonesia April Memberikan wawasan mengenai layanan kas
Perkasan Semester I tahun 2019 Bank Indonesia
Training on Focus Group Discussion for Cash Providing insight into Bank Indonesia's cash
Services Semester I 2019 services
Training/Public Training Effective Internal Control GNV April Meningkatkan pengetahuan dan wawasan
Training Effective Internal Control mengenai prinsip pengendalian internal yang
efektif
Increasing knowledge and insight on the
principles of effective internal control
Training/Public Training BNI AM Institut Client Workshop 2019 BNI Asset April Memberikan pengetahuan dan wawasan
Training on BNI AM Institute Client Workshop Manajemen bidang treasury
2019 Providing knowledge and insight in treasury
field
Training/Public Training and Workshop Excel Power Intelligent Alam Cipta April Meningkatkan pengetahuan dan keterampilan
Training and Workshop on Excel Power Gemilang aplikasi microsoft excel bagi karyawan
Intelligent Improving knowledge and skills of Microsoft
Excel application for employees
Training/Public Pelatihan dan Sosialisasi Produk Financial Finnet April Meningkatkan pengetahuan mengenai produk
Technology dan Launching Brand Baru financial technology dan brand product Finnet
Produk Finnet Increasing knowledge on financial technology
Training on and Dissemination of Financial products and Finnet product brands
Technology Product and Launching New
Brand, Finnet Product
Training/Public Pelatihan Pertukaran Informasi Kasir/Teller Bank Indonesia April Memberikan wawasan mengenai layanan
Perbankan Jawa Barat Tahun 2019 kasir/teller khususnya bagi frontliner Kantor
Training on Information Exchange of Banking Cabang bandung
Cashier/Teller of West Java 2019 Providing insight into cashier/teller services,
especially for frontliners at Bandung Branch
Office
Training/Public Training Trimegah Training Camp 2019 Trimegah April Memberikan pengetahuan dan wawasan
Training on Trimegah Training Camp 2019 bidang treasury
Providing knowledge and insight in treasury
field
Training/Public Training dan Workshop Penyusunan Laporan Ikatan Akuntan April Menambah wawasan dan keterampilan
Keuangan Konsolidasi dengan Entity Indonesia mengenai tata cara penyusunan laporan
Concept, Goodwill Impairment, dan PSAK keuangan Konsolidasi dengan Entity Concept,
terkait Penyertaan Saham Goodwill Impairment, dan PSAK terkait
Training and Workshop on Preparing penyertaan saham
Consolidated Financial Statements with Adding insight and skills on the procedures for
Entity Concept, Goodwill Impairment, and preparing consolidated financial statements
PSAK related to Equity Participation with Entity Concept, Goodwill Impairment,
and PSAK related to equity participation
Training/Public Pelatihan dan Sosialisasi Ciri-Ciri Keaslian Bank Indonesia Juli Memberikan pengetahuan dan wawasan
Uang Rupiah, Bank Indonesia Sistem July tentang ciri-ciri keaslian uang Rupiah, Bank
Layanan Informasi Keuangan, Setoran Indonesia sistem layanan informasi keuangan,
Bayaran dan Persiapan CBS setoran bayaran dan persiapan CBS
Training on and Dissemination of Providing knowledge and insights into the
Characteristics of the Authenticity of characteristics of authenticity of Rupiah
Rupiah Money, Bank Indonesia, Financial money, Bank Indonesia financial information
Information Services System, Deposit service system, deposit payment, and CBS
Payment, and Preparation of CBS preparation
Training/Public Pelatihan Studi Banding pada Pemerintah Badan Juli Memberikan pemahaman mengenai ekonomi
Daerah Banyuwangi dalam Rangka Musyawarah July digital dan pariwisata
Pengembangan Ekonomi Digital dan Perbankan Providing understanding of the digital
Pariwisata Daerah Jawa economy and tourism
Training on Comparative Study of Barat
Banyuwangi Regional Government in the West Java
Framework of Developing Digital Economic Regional Banking
and Tourism Consultative
Body


Pelatihan Pertemuan Forum Komunikasi Bank Indonesia Juli Memberikan pemahaman di bidang kliring dan
Kliring Jakarta dan Koordinator Pembayaran July warkat debit khususnya bagi staf operasional
Warkat Debit (KPWD) selain Bank Indonesia KPO Jakarta
di Wilayah Kliring Warkat Debit Bogor dan Providing understanding in clearing field and
Karawang debit documents, especially for operational
Training on Jakarta Clearing Communication staff of KPO Jakarta
Forum Meeting and Debit Clearing Payment
Coordinator (KPWD) in addition to Bank
Indonesia in Bogor and Karawang Debit
Clearing Area
Training/Public Training dan Workshop Pendidikan Khusus Faizal Hafied Juli-Agustus Meningkatkan kemampuan kompetensi
Profesi Advokasi & Partners July-August teknis karyawan legal melalui pendidikan
Training and Workshop on Special Education Education of khusus profesi advokad
for Advocacy Law Improving the technical competency
capabilities of legal employees through
special education of the advocate profession
Training/Public Pelatihan Teknik Penyusunan dan One Point Juli Memberikan pengetahuan dan wawasan
Pembuatan Standar Operasional Prosedur July tentang penyusunan dan pembuatan standar
Technical Training on Preparing and Creating operasional prosedur
Standard Operating Procedures Providing knowledge and insights on the
preparation and creation of standard
operating procedures
Training/Public Pelatihan Keuangan Berkelanjutan Peluang Lembaga Juli Memberikan pengetahuan dan wawasan
dan Tantangan Pengembangan July tentang prinsip keuangan berkelanjutan
Training on Opportunities and Challenges of Perbankan Providing knowledge and insights on the
Sustainable Finance Indonesia principles of sustainable finance
Indonesian
Banking
Development
Institute
Training/Public Training Risk Based Audit Implementation RMG Agustus Menambah pengetahuan mengenai risiko
Training on Risk Based Audit Implementation August dasar audit serta penerapan implementasinya
Adding knowledge of basic audit risks and
their implementation practices
Training/Public Training Legal Skill for Developer and PT Kasturi Djuli Agustus Meningkatkan kemampuan kompetensi
Superblock Project Corpora August teknis karyawan legal mengenai developer
Training on Legal Skill for Developer and dan superblock project
Superblock Project Improving the technical competency
capabilities of legal employees on developers
and superblock projects
Training/Public Pelatihan Pertemuan Tahunan Evaluasi Bank Indonesia Agustus Memberikan pengetahuan dan wawasan
Penyelenggaraan Kliring Tahun 2019 August tentang penyelenggaraan kliring
Training on 2019 Annual Meeting of Clearing Providing knowledge and insight on clearing
Implementation Evaluation operations
Training/Public Training Fraud Risk Management Certified Fraud September Meningkatkan kemampuan kompetensi
Training on Fraud Risk Management Examiner teknis karyawan SKAI mengenai fraud risk
management
Improving the technical competence of SKAI
employees on fraud risk management
Training/Public Training Mastering ITIL V4 Fundamental and PT Andalan September Meningkatkan pengetahuan mengenai IT
Exam Preparation: A Practical Approach Teknologi fundamental
Training on Mastering ITIL V4 Fundamental Inovasi Increasing knowledge on IT fundamentals
and Exam Preparation: A Practical Approach
Training/Public Pelatihan PPh Pasal 21 Komprehensif-Konsep, Ortax September Meningkatkan pengetahuan mengenai PPh 21
Model, Compliance Strategy yang Efektif Increasing knowledge on Income Tax Article
Comprehensive Training on Income Tax 21
Article 21 - Effective Concept, Model, and
Compliance Strategy


Training/Public Pelatihan Sosialisasi Ketentuan Asosiasi Bank Indonesia September Memberikan pengetahuan dan wawasan
Sistem Pembayaran Indonesia dan Peraturan tentang Asosiasi Sistem Pembayaran
Bank Indonesia Tentang Kegiatan Transfer Indonesia dan Peraturan Bank Indonesia
Dana dan Kliring Berjadwal Antar Peserta tentang Kegiatan Transfer Dana dan Kliring
Melalui Sistem Kliring Peraturan Bank Berjadwal Antara Peserta Melalui Sistem
Indonesia serta Gathering FKK-P Makassar Kliring Bank Indonesia khususnya bagi staf
Training on and Dissemination of Provisions operasional Kantor Cabang Makassar
of the Indonesian Payment System Providing knowledge and insights on the
Association and Bank Indonesia Regulation Indonesian Payment System Association and
on Fund Transfer and Scheduled Clearing Bank Indonesia Regulation on Scheduled
Activities between Participants through Funds Transfer and Clearing Activities among
Bank Indonesia Regulation on Clearing Participants through Bank Indonesia Clearing
System and Makassar FKK-P Gathering System, especially for Makassar Branch Office
operational staffs
Training/Public Training CCNP ID Network September Meningkatkan kompetensi teknis karyawan

CCNP Training bidang IT
Improving technical competence of IT
employees
Training/Public Pelatihan Rapat Koordinasi Pengelolaan Bank Indonesia September Memberikan pengetahuan dan wawasan
Uang Rupiah Perbankan Wilayah Semarang tentang Pengelolaan Uang Rupiah khususnya
dan Sekitarnya bagi staf operasional Kantor Cabang Semarang
Training and Coordination Meeting on Rupiah Providing knowledge and insights on Rupiah
Money Management for Semarang and its Money Management, especially for Semarang
Surrounding Regions Branch Office operational staffs
Training/Public Training Private Microsoft Excel 2016 VBA PT Brainmatics September Meningkatkan pengetahuan dan keterampilan
Weekend Cipta aplikasi microsoft excel VBA bagi karyawan
Private Training on Microsoft Excel 2016 VBA Informatika Improving knowledge and skills of Microsoft
Weekend Excel VBA application for employees
Training/Public Pelatihan Pertemuan Tahunan Koordinator Bank Indonesia September Memberikan pengetahuan dan wawasan
dan Petugas Kliring Perbankan se-Jawa tentang kliring khususnya bagi staf
Barat tahun 2019 operasional Kantor Cabang Bandung
Training on Annual Meeting of Banking Providing knowledge and insights on clearing,
Clearing Officers and Coordinators of the especially for Bandung Branch Office
entire West Java in 2019 operational staffs
Training/Public Training AS/400 System Operation PT Andalan September Meningkatkan kompetensi teknis karyawan
Fundamental Teknologi bidang IT khususnya mengenai AS/400
Training on AS/400 System Operation Inovasi system operation fundamental
Fundamental Improving the technical competence of IT
employees in particular regarding AS/400
system operation fundamental
Training/Public Pelatihan Pemahaman atas Implementasi Forum September Memberikan pemahaman mengenai
PSAK 71 dan 73 yang Akan Diterapkan pada Komunikasi implementasi PSAK 71 dan 73 serta dampaknya
Tahun 2020 Beserta Dampaknya serta Direktur Providing understanding of the
Diskusi Mengenai Pendalaman dalam Kepatuhan implementation of PSAK 71 and 73 and their
Penyusunan terhadap Peraturan Otoritas Perbankan impact
Jasa Keuangan No. 51/POJK.03/2017 FKDKP
Training on Understanding of the (Communication
implementation of PSAK 71 and 73 that Will Forum of
Be Implemented in 2020 and Their Impacts, Banking
and In-depth Discussion on the Preparation Compliance
towards Financial Services Authority Directors)
Training/Public Pelatihan Forum Perkasan se-Sulawesi Utara Bank Indonesia September Memberikan pengetahuan dan wawasan
Training on Cash Forum for the entire North tentang layanan kas khususnya bagi frontliner
Sulawesi Kantor Cabang Manado
Providing knowledge and insights on cash
services, especially for frontliners of Manado
Branch Office


Training/Public Pelatihan Cara Efektif Menagih Hutang Pas FM dan P Oktober Memberikan pengetahuan dan wawasan
Training on Effective Ways to Collect Debt Hadisaputro October tentang tata cara yang efektif dalam
penagihan hutang
Providing knowledge and insight on effective
procedures for debt collection
Training/Public Pelatihan Sosialisasi Penyempurnaan Bank Indonesia Oktober Memberikan pengetahuan dan wawasan
Kebijakan Operational Sistem Kliring October tentang penyempurnaan kebijakan
Nasional Bank Indonesia (SKN-BI) operational SKN - BI
Training on and Dissemination of Providing knowledge and insight on improving
Improvement of Bank Indonesia National SKN-BI operational policies
Clearing System Operational Policy (SKN-BI)
Training/Public Training Capacity Building Bank Indonesia Oktober Memberikan pengetahuan mengenai capacity
Training on Capacity Building October building
Providing knowledge on capacity building
Training/Public Pelatihan Diskusi Hukum Tentang OSS Versi Alam Cipta Oktober Memberikan pemahaman mengenai OSS versi
Terbaru dalam Kebijakan Pemberlakuan Gemilang October terbaru serta implementasinya dalam sistem
Aplikasi Perubahan dan Pembubaran CV, administrasi badan usaha
Firma dan Persekutuan Perdata dalam Providing understanding of the latest OSS
Sistem Administrasi Badan Usaha version and its implementation in business
Training on Legal Discussion on OSS entity administration system
Latest Version in the Policy to Apply the
Changes and Dissolution of CV, Firm, and
Civil Partnership in the Business Entity
Administration System
Training/Public Pelatihan Laporan Harian Bank Umum Bank Indonesia Oktober Memberikan pengetahuan dan wawasan
Training on Commercial Banks Daily Report October tentang Laporan Harian Bank Umum
Providing knowledge and insights on
Commercial Bank Daily Report
Training/Public Training Pertemuan User Group BI-RTGS, BI- Bank Indonesia Oktober Memberikan pengetahuan dan wawasan
SSSS, BI-ETP, SKN-BI, dan KPHDN Tahun 2019 October tentang user group BI-RTGS, BI-SSSS, BI-ETP,
Training on Meeting of User Group of BI- SKN-BI, dan KPHDN
RTGS, BI-SSSS, BI-ETP, SKN-BI, and KPHDN Providing knowledge and insights on BI-
in 2019 RTGS, BI-SSSS, BI-ETP, SKN-BI, and KPHDN
user groups
Training/Public Training Banking Law for Advocates; Perbanas Oktober Menambah wawasan pemahaman tentang
Sukses Menangani Tipibank dan Sengketa Institute October tipibank dan sengketa perbankan
Perbankan Adding insight into understanding of bank
Training on Banking Law for Advocates; criminal acts and banking disputes
Successfully Handling Bank’s Criminal Acts
and Banking Disputes
Training/Public Training GCG Assesment and Risk Based RMG Oktober Memberikan pemahaman mengenai
Approach in the 4th Industrial Revolution October implementasi penilaian GCG serta
Training on GCG Assessment and Risk Based pendekatan risk based approach
Approach in the 4th Industrial Revolution Providing understanding of implementation
of GCG assessment and risk based approach
Training/Public Training PSAK 71 Impairment Deep Dive in Risk BARA Oktober Memberikan pemahaman mengenai PSAK 71
Management Perspective October Impairment
Training on PSAK 71, Impairment Deep Dive Providing understanding of PSAK 71,
in Risk Management Perspective Impairment
Training/Public Pelatihan Evaluasi Kegiatan FORKOMKAS 2019 Bank Indonesia Oktober Memberikan pengetahuan dan wawasan
Training on Evaluating FORMKOMKAS 2019 October tentang layanan kas
Activities Providing knowledge and insights on cash
services
Training/Public Training Java Script Advance PT WebHozz Oktober Meningkatkan kompetensi teknis karyawan
Training on Java Script Advance Media October khususnya tentang java script tingkat lanjutan
Improving the technical competence of
employees, especially on advanced java script


Training/Public Training The Role of Risk Management to Intipesan Oktober Menambah wawasan pemahaman tentang
Sustain Business October manajemen risiko dalam rangka keberlanjutan
Training on The Role of Risk Management to bisnis bank
Sustain Business Adding insight into understanding about
risk management in the framework of bank
business sustainability
Training/Public Pelatihan Asistensi Implementasi Aplikasi Pusat Pelaporan Oktober Memberikan pemahaman mengenai Aplikasi
goAML dan Analisis October goAML serta teknis implementasinya
Training on Assistance for Implementation Keuangan Providing understanding of goAML
of GoAML Application Financial application and its technical implementation
Reporting and
Analysis Center
Training/Public Pelatihan Progress Riview Kegiatan Setoran Bank Indonesia November Memberikan pengetahuan dan wawasan
Pembayaran Wilayah Kerja Kantor Perwakilan tentang kegiatan setoran pembayaran bagi
Bank Indonesia Provinsi Sumatera Utara staf operasional Kantor Cabang Medan
Training on Progress Review of Payment Providing knowledge and insights on payment
Deposit of Work Areas of Bank Indonesia’s deposit activities for Medan Branch Office
Representative Office of North Sumatra operational staffs
Province
Training/Public Training Fokus Group Discussion Layanan Bank Indonesia November Memberikan pengetahuan dan wawasan
Perkasan Semester II Tahun 2019 tentang layanan kas
Training on Focus Group Discussion for Cash Providing knowledge and insights on cash
Services Semester II 2019 services
Training/Public Pelatihan Evaluasi Setoran Penarikan Bank Bank Indonesia November Memberikan pengetahuan dan wawasan
dan Koodinasi Kebutuhan Uang Kartal tentang evaluasi setoran penarikan bank
Sampai dengan Akhir Tahun 2019 Providing knowledge and insights about
Training on Evaluation of Bank Withdrawal evaluating bank withdrawal deposits
Deposits and Coordination of Money
Required Until the End of 2019
Training/Public Training React JS PT Baba Studio November Meningkatkan kompetensi karyawan

Training on React JS Improving employee competence
Training/Public Training Building Management Seminarku November Meningkatkan kompetensi dan kepemimpinan
Training on Building Management karyawan
Improving employee competency and
leadership
Training/Public Training Emotional Intelligence Kalika November Meningkatkan kompetensi dan kepemimpinan
Training on Emotional Intelligence karyawan
Improving employee competency and
leadership
Training/Public Pelatihan dan Seminar Prospek Otoritas Jasa November Memberikan pengetahuan dan wawasan
Perkembangan Perbankan di Indonesia Keuangan tentang prospek pengembangan perbankan
Training and Seminar on Banking Financial Providing knowledge and insights on banking
Development Prospects in Indonesia Services development prospects
Authority
Training/Public Training Mastering ITIL Verssi 4 Fundamental PT Andalan November Meningkatkan pengetahuan mengenai IT
and Exam Preparation: A Practical Appraoach Teknologi fundamental
Training on Mastering ITIL Version 4 Informasi Increasing knowledge on IT fundamentals
Fundamental and Exam Preparation: A
Practical Approach
Training/Public Training Executive Secretary: Take Your Sekretaris Pro November Menambah wawasan dan pengetahuan bidang
Importany Role to Contribute in Developing Sekretaris Perusahaan
Managing and Winning Companies in Era 4.0 Adding insight and knowledge in Corporate
Training for Executive Secretary: Take Your Secretary field
Important Role to Contribute in Developing,
Managing, and Winning Companies in Era 4.0


Training/Public Training Marketing 4.0 Mark Plus November Menambah pengetahuan bidang marketing di
Training on Marketing 4.0 era 4.0 bagi karyawan
Adding marketing knowledge in the 4.0 era for
employees
Training/Public Training Capacity Building dan Refreshment Bank Indonesia November Meningkatkan kompetensi karyawan bidang
Ketentuan Sistem Pembayaran Tahun 2019 operasional
Training on Capacity Building and Improving employee competence in
Refreshment on Provisions of Payment operational areas
System in 2019
Training/Public Training Android Programming (Android Studio) PT Inixindo November Meningkatkan kompetensi karyawan bidang
Training on Android Programming (Android Persada IT khususnya mengenai Android Programming
Studio) Rekayasa Improving competencies of IT employees,
Komputer especially on Android Programming
Training/Public Training Plug and Play Asia Pacific Summit 2.0 Asia Pacific November Menambah wawasan pemahaman tentang
Training on Plug and Play Asia Pacific Summit Summit perkembangan industri digital di Asia Pasifik
2.0 Adding insight into understanding of the
digital industry development in Asia Pacific
Training/Public Training Service Management Tutorial Class Mark Plus November Menambah pengetahuan bidang manajemen
Training on Service Management Tutorial pelayanan yang baik
Class Adding knowledge in good service
management field
Training/Public Training Interest Rate Risk in The Banking RMG November Meningkatkan kompetensi karyawan bidang
Book (IRRBB) manajemen risiko mengenai IRRBB
Training on Interest Rate Risk in The Banking Improving employee competency in risk
Book (IRRBB) management on IRRBB
Training/Public Training Business Analyst Foundation PT Andalan Desember Meningkatkan kompetensi karyawan bidang
Training on Business Analyst Foundation Teknologi December IT khususnya mengenai analisis bisnis
Inovasi Improving competencies of IT employees,
especially on business analysis
Training/Public Training ICSA CG Officer Workshop Series Indonesia Desember Meningkatkan kompetensi karyawan tingkat
Intermediate Competency 3 Corporate December intermediate bidang Sekretaris Perusahaan
Training on ICSA CG Officer Workshop Series Secretary Improving employees competency of
Intermediate Competency 3 Association intermediate level in Corporate Secretary
Training/Public Training Effective Communication Skills at GNV Desember Menambah pengetahuan mengenai cara
Work December komunikasi yang efektif di kantor
Training on Effective Communication Skills Adding knowledge about effective ways of
at Work communication in the office
Training/Public Training Information Security Foundation PT Andalan Desember Meningkatkan kompetensi karyawan bidang
Based on ISO 27001 and 27002 and EXIN’s Teknologi December IT khususnya mengenai Information security
International Exam Preparation Inovasi foundation based
Training on Information Security Foundation Adding knowledge about effective ways of
Based on ISO 27001 and 27002 and EXIN's communication in the office
International Exam Preparation
Training/Public Training Evaluasi Setoran dan Bayaran Bank Indonesia Desember Memberikan pengetahuan dan wawasan
(SetBay) serta Sosialisasi Ketentuan December tentang kegiatan setoran bayaran
Pengelolaan Uang Rupiah Kepada Perbankan Improving competencies of IT employees,
Tahun 2019 especially on information security foundation
Training on Information Security Foundation based
Based on ISO 27001 and 27002 and EXIN's
International Exam Preparation
Training/Public Training Credit Risk Management RMG Desember Meningkatkan pemahaman dan kompetensi
Training on Credit Risk Management December karyawan khususnya mengenai manajemen
risiko kredit
Improving employee understanding and
competence, especially on credit risk
management


Training/Public Pelatihan Implementasi Peraturan Peraturan RMG Desember Meningkatkan pemahaman dan wawasan
Otoritas Jasa Keuangan terkait Likuiditas December mengenai Peraturan Otoritas Jasa Keuangan
dan Kepatuhan terkait likuiditas dan kepatuhan
Training on Implementation of Financial Increasing understanding and insight on
Services Authority Regulations on Liquidity Financial Services Authority Regulations
and Compliance related to liquidity and compliance
Training/Public Pelatihan Merger Akuisisi dan Holdingisasi Intrinsics Desember Meningkatkan pemahaman dan wawasan
Training on Merger, Acquisition, and Holding December mengenai merger, akuisisi, dan holdingisasi
Increasing understanding and insight on
merger, acquisition, and holding
Training/Public Training Effective Social Media Marketing Markplus Desember Memberikan pengetahuan dan wawasan
Training on Effective Social Media Marketing Institute December tentang penggunaan sosial media yang
efektif di bidang marketing
Providing knowledge and insights on the
effective use of social media in marketing
field
Training/Public Training IELTS 2019 British Council Desember Menambah kompetensi teknis kemampuan
Training on IELTS 2019 December cara berbahasa inggris
Adding technical competence in the ability to
speak English
Training/Public Training Linux Administration PT Brainmatics Desember Meningkatkan kompetensi karyawan bidang
Training on Linux Administration Cipta nformatika December IT khususnya mengenai Linux
Improving competencies of IT employees,
especially on Linux
Training/Public Training Project Management Fundamental PT Andalan Desember Meningkatkan kompetensi karyawan bidang
Training on Fundamental Project Management Teknologi December IT khususnya mengenai project management
Inovasi fundamental
Improving competencies of IT employees,
especially on fundamental project
management
Seminar/Public
Seminar/Public Training Corporate Bond Analysis and Market PT Manulife Januari Memberikan pengetahuan dan wawasan tentang
Out Look January corporate bond analysis and market out look
Training on Corporate Bond Analysis and Providing knowledge and insights on corporate
Market Outlook bond analysis and market outlook
Seminar/Public Training Asian Financial Institution Forum 2019 DEG Januari Menambah wawasan tentang perkembangan
Training on Asian Financial Institution Forum January lembaga keuangan di Asia
2019 Adding insight into financial institution
development in Asia
Seminar/Public Training IRBB BARA One Day Seminar BARA Januari Memberikan pengetahuan dan wawasan
Training on IRBB BARA One Day Seminar January tentang manajemen risiko khususnya
mengenai IRBB
Providing knowledge and insights on risk
management, especially on IRBB
Seminar/Public Training DIG14BANKERS IBI (Ikatan Bankir Februari Menambah wawasan tentang perkembangan
Training on DIG14BANKERS Indonesia) February digitalisasi perbankan di Indonesia
IBI (Indonesian Adding insight into banking digitalization
Bankers development in Indonesia
Association)
Seminar/Public Training and Workshop ASEAN Corporate Indonesian Maret Menambah wawasan perkembangan corporate
Governance Scorecard Institute for March governance score card di ASEAN
Training and Workshop on ASEAN Corporate Corporate Adding insight into the development of
Governance Scorecard Director corporate governance score card in ASEAN
Seminar/Public Training and Workshop MDAEMON Mail Server PT Duta Juli Meningkatkan kompetensi karyawan bidang
Training and Workshop on MDAEMON Mail Distribusi July IT khususnya mengenai mail server MDaemon
Server Servisindo Improving competencies of IT employees,
especially on MDaemon mail server


Seminar/Public Training and Workshop Indonesia Enterprises PT Kencana Agustus Menambah wawasan dan pengetahuan
Risk Management Award III 2019 (IERMA- Ungu Mulia August tentang manajemen risiko keuangan dan fraud
III-2019): Financial Risk Management and Adding insight and knowledge on financial
Fraud to Enhance Value of the Firm in risk management and fraud
Disturbing Era
Training and Workshop on Indonesia
Enterprises Risk Management Award III 2019
(IERMA-III-2019): Financial Risk Management
and Fraud to Enhance Value of the Firm in
Disturbing Era
Seminar/Public Pelatihan Analisis Lingkungan Otoritas Jasa Agustus Menambah wawasan dan pengetahuan
Training on Environmental Analysis Keuangan August tentang teknik analisis lingkungan
Financial Services Adding insight and knowledge on
Authority environmental analysis technique
Seminar/Public Training and Workshop Indonesia GCG Award PT Kencana Agustus Menambah wawasan perkembangan GCG
V-19 Ungu Mulia August Adding insight into GCG development
Training and Workshop on Indonesia GCG
Award V-19
Seminar/Public Training Encountering Digital Era of Banking Bank Indonesia Agustus Memberikan pengetahuan dan wawasan tentang
Operation: Challenges and Opportunies August era digitalisasi di bidang operasional perbankan
Training on Encountering Digital Era Providing knowledge and insights on the
of Banking Operation: Challenges and digitalization era in banking operations field
Opportunities
Seminar/Public Training Market Outlook - Menambah Batavia Oktober Memberikan pengetahuan dan wawasan
Wawasan Mengenai Trend Investasi Prosperindo October mengenai market outlook dan trend investasi
Training on Market Outlook - Adding Insights Aset Manajemen Providing knowledge and insights on market
on Investment Trends outlook and investment trend
Seminar/Public Pelatihan Rapat Tahunan dan Apresiasi Mitra PT Rintis Oktober Memberikan pengetahuan dan wawasan
Jaringan Prima 2019: Digital Ekonomi Sejahtera October tentang ekonomi digital
Training on Annual Meeting and Appreciation Providing knowledge and insights on digital
for Prima Network Partners 2019: Digital economy
Economy
Seminar/Public Training Issues on Debs/ Sukuk Inssuance and Bank Mega November Memberikan pengetahuan dan wawasan
US Recession Watch tentang isu sukuk
Training on Issues on Debs/Sukuk Issuance Providing knowledge and insight on sukuk
and US Recession Watch issues
Seminar/Public Training COBIT Control Objective for Andalan November Meningkatkan kompetensi karyawan bidang IT
Information an Related Technology Teknologi khususnya mengenai COBIT control objective
Training on COBIT, Control Objective for Inovasi Improving competencies of IT employees,
Information and Related Technology especially on COBIT control objectives
Seminar/Public Training Sharia Investment Training and Manulife November Memberikan pengetahuan dan wawasan
Benchmarking Visit Investment mengenai investasi bidang syariah
Training on Sharia Investment and Management Providing knowledge and insight on
Benchmarking Visit investment in sharia field
Seminar/Public Pelatihan dan Seminar Hukum Kepailitan dan Law Offices November Meningkatkan kompetensi karyawan bidang
Penundaan Kewajiban Pembayaran Utang of Jun Cai and legal khususnya mengenai Kepailitan dan
Training and Seminar on Bankruptcy Law and Partners Penundaan Kewajiban Pembayaran Utang
Suspension of Debt Payment Obligations Improving employees competence in legal
field, especially on Bankruptcy and Deferral of
Debt Payment Obligations
Seminar/Public Training The 14th Indonesia HR Expo Intipesan Desember Memberikan pengetahuan dan wawasan serta
Conference and Exhibition December perkembangan terkini bidang SDM
Training on the 14th Indonesia HR Expo Providing knowledge and insight as well as
Conference and Exhibition the latest development in HR field


Certification
Certification Pelatihan dan Ujian Sertifikasi Dealer Effektif Pro Februari dan Memenuhi persyaratan kompetensi dan
Treasury –Intermediete dan Lembaga Maret sertifikasi dealer treasury tingkat intermediate
Training on and Exam of Treasury Dealer Sertifikasi Profesi February and Fulfilling the competency requirements and
Certification –Intermediate Perbankan March treasury dealer certification of intermediate
Effektif Pro level
and Banking
Profession
Certification
Institution
Certification Pelatihan dan Ujian Pendidikan Dasar Masyarakat Februari dan Memenuhi persyaratan kompetensi dan
Penilaian 1 Profesi Penilai November sertifikasi penilaian tingkat 1
Training on and Exam of Basic Education Indonesia February and Fulfilling the competency requirements and
Assessment 1 Indonesian November assessment certification of level 1
Appraiser
Professional
Society
Certification Pelatihan dan Ujian Pembekalan Sertifikasi Efektif Pro April, Mei, Juni, Memenuhi persyaratan kompetensi dan
Certified Bank Internal Audit) Level Auditor dan Lembaga dan Agustus Sertifikasi Internal Audit Level Auditor
Training on and Exam Preparation for Sertifikasi Profesi April, May, June, Fulfilling the competency requirements and
Certified Bank’s Internal Audit), Auditor Level Perbankan and August Internal Audit Certification of Auditor Level
Efektif Pro
and Banking
Profession
Certification
Institution
Certification Pelatihan dan Ujian Pembekalan Sertifikasi Efektif Pro Mei Memenuhi persyaratan kompetensi dan
Manajemen Risiko Level 5 dan Lembaga May Sertifikasi Manajemen Risiko Level 5
Training on and Exam Preparation of Level 5 Sertifikasi Profesi Fulfilling the competency requirements and
of Risk Management Certification Perbankan Risk Management Certification of Level 5
Efektif Pro
and Banking
Profession
Certification
Institution
Certification Pelatihan dan Ujian Pembekalan Sertifikasi Efektif Pro Juni dan Memenuhi persyaratan kompetensi dan
Manajemen Risiko Level 1 dan Lembaga September Sertifikasi Manajemen Risiko Level 1
Training on and Exam Preparation of Level 1 Sertifikasi Profesi June and Fulfilling the competency requirements and
of Risk Management Certification Perbankan September Risk Management Certification of Level 1
Efektif Pro
and Banking
Profession
Certification
Institution
Certification Pelatihan dan Ujian Sertifikasi Kepatuhan Forum September dan Memenuhi persyaratan kompetensi dan
Level 1 Komunikasi November Sertifikasi Kepatuhan Level 1
Training on and Exam of Level 1 Compliance Direktur September and Fulfilling the competency requirements and
Certification Kepatuhan November Compliance Certification of Level 1
Perbankan
dan Lembaga
Sertifikasi Profesi
Perbankan
Communication
Forum of Director
of Banking
Compliance and
Professional
Banking
Certification
Institution


Certification Pelatihan dan Ujian Sertifikasi Treasury Efektif Pro Oktober Memenuhi persyaratan kompetensi dan
Dealer – Basic dan Lembaga October sertifikasi dealer treasury tingkat dasar
Training on and Exam of Treasury Dealer Sertifikasi Profesi Fulfilling the competency requirements and
Certification - Basic Perbankan treasury dealer certification of basic level
Efektif Pro
and Banking
Profession
Certification
Institution
Certification Pelatihan dan Ujian Wakil Agen Penjual Efek Asosiasi November Memenuhi persyaratan kompetensi dan
Reksa Dana Pengelola Reksa sertifikasi wakil agen penjual efek reksa dana
Training on and Exam of Mutual Fund Selling Dana Indonesia Fulfilling the competency requirements and
Agent Representatives Indonesian certification of mutual fund sales agent
Mutual Fund representatives
Management
Association
Training Refreshment
Training Training Refreshment Cyber Security Lembaga April Memenuhi persyaratan kompetensi
Refreshment dan Financial Technology Dalam Bisnis Sertifikasi Profesi refreshment Sertifikasi Manajemen Risiko
Perbankan - Manajemen Risiko Perbankan Fulfilling the competency requirements of
Refreshment Training on Cyber Security and Banking Risk Management Certification refreshment
Financial Technology in Banking Business - Profession
Risk Management Certification
Institution
Training Training Refreshment Sertifikasi Treasury ACI Januari Memenuhi persyaratan kompetensi
Refreshment Dealer - Advance January refreshment sertifikasi treasury dealer
Refreshment Training on Treasury Dealer Fulfilling the competency requirements of
Certification - Advance treasury dealer certification refreshment
Educational Scholarship
Educational Beasiswa S1 Manajemen Universitas YAI Januari- Meningkatkan kompetensi karyawan atas
Scholarship Bachelor of Management Scholarship Desember nama Yannu Arisman dengan memberikan
January- kesempatan ke jenjang pendidikan kuliah
December yang lebih tinggi melalui pemberian beasiswa
S1 Manajemen
Improving employee competencies under
the name of Yannu Arisman by providing
opportunities for higher education levels
through the provision of Bachelor of
Management scholarship
Educational Beasiswa S1 Ekonomi Universitas IBS Januari- Meningkatkan kompetensi karyawan atas
Scholarship Bachelor of Economics Scholarship Desember nama Rizky Herlambang dengan memberikan
January- kesempatan ke jenjang pendidikan kuliah
S1 Ekonomi
the name of Rizky Herlambang by providing
opportunities for higher education levels
through the provision of Bachelor of
Management scholarship
Educational Beasiswa S2 Program Magister Kenotariatan Universitas YAI Januari Meningkatkan kompetensi karyawan atas nama
Scholarship Scholarship of Master of Notary Program January Ronald H Sirait dengan memberikan kesempatan
ke jenjang pendidikan kuliah yang lebih tinggi
melalui pemberian beasiswa S2 Magister
Kenotariatan
the name of Ronald H Sirait by providing
opportunities for higher education levels through
the provision of Master of Notary scholarship


Educational Beasiswa S2 Program Magister Management Universitas September- Meningkatkan kompetensi karyawan atas
Scholarship Scholarship of Master of Management Pelita Harapan Desember nama Elisabeth Fitri dengan memberikan
Program September- kesempatan ke jenjang pendidikan kuliah
S2 Magister Management
the name of Elisabeth Fitri by providing
opportunities for higher education
levels through the provision of Master of
Management scholarshipx
Biaya Pengembangan Kompetensi Competence Development Cost

Besarnya investasi bidang pengembangan HC yang dikeluarkan The amount of investment in HC development spent by Bank
Bank Victoria selama tahun 2019 mencapai Rp4.870.542.380,- Victoria in 2019 reached Rp4,870,542,380,- or equivalent to 2.96%
atau setara dengan 2,96% dari total biaya tenaga kerja tahun 2019. of the total labor costs in 2019.
(dalam Rupiah penuh / (in whole Rupiah)
Uraian
2019 2018
Description
Biaya Tenaga Kerja
164,384,482,866 160,169,225,571
Manpower Total Cost
Anggaran Pelatihan
8,219,224,144 8,008,461,279
Training Budget
Biaya Pelatihan
4,870,542,380 4,744,523,842
Training Cost
Rasio Pelatihan (%) 2.96 2.96
Knowledge Management Knowledge Management

Untuk mendukung proses pendistribusian ilmu pengetahuan To support a comprehensive and structured distribution
secara menyeluruh dan terstruktur, Bank Victoria melaksanakan process of knowledge, Bank Victoria performs Knowledge
Knowledge Management yang dikelola melalui Victoria Corporate Management, which is managed by Victoria Corporate University.
University. Hal ini ditujukan untuk menghimpun seluruh This is intended to compile all HC knowledge, skills, and work
pengetahuan, keterampilan dan pengalaman kerja HC menjadi experience to become a source of information that is accessible
sumber informasi yang dapat diakses oleh seluruh HC agar by all HC so this enables them to improve their competence. The
dapat meningkatkan kompetensinya. Pelaksanaan Knowledge implementation of Knowledge Management through Victoria
Management melalui Victoria Corporate University selain dari Corporate University apart from face-to-face meetings through
pertemuan tatap muka melalui training class room, sharing class room training, sharing sessions, and outreach, is also
session, serta sosialisasi, juga dilakukan melalui beberapa sarana, carried out through several means, such as e-learning, V-Smart
seperti, e-learning, intranet V-Smart, dan Vic-News. intranet, and Vic-News.
Evaluasi Pengembangan Kompetensi Competency Development Evaluation

Untuk mengukur efektivitas pelaksanaan sistem pelatihan To measure the effectiveness of training and development system
dan pengembangan bagi HC, Bank melalui Victoria Corporate implementation for HC, the Bank, through Victoria Corporate
University melakukan evaluasi setelah pelatihan melalui Form University, conducts post-training evaluation using the Post-
Evaluasi Pasca Training. Hasil evaluasi akan menjadi salah satu Training Evaluation Form. The evaluation results will be one of
bahan pertimbangan dalam mengarahkan dan meningkatkan the considerations in directing and increasing future HC training
kebutuhan training lanjutan HC. needs.
Penilaian Kinerja Human Capital Human Capital Performance Assessment

Penilaian kinerja HC didasarkan pada pencapaian kinerja The HC performance assessment is based on the achievement
sesuai dengan Key Performance Indicator (KPI) yang disepakati, of performance in accordance with the agreed key performance
pemenuhan atau peningkatan kompetensi, dan penerapan nilai- indicator (KPI), fulfillment or improvement of competencies,
nilai Bank Victoria sesuai sistem penilaian yang digunakan. and the application of Bank Victoria's values according to the

Unsur-unsur kinerja yang dinilai terdiri dari unsur result dan assessment system used. The assessed performance elements
process. Result menunjukkan pencapaian karyawan atas target consist of the result and process elements. The results show the
(lag measure), sedangkan process menunjukkan bagaimana cara employee's achievement of the target (lag measure), while the
mencapai target (lead measure). process shows how to achieve the target (lead measure).
Bank Victoria mulai menerapkan penilaian kinerja sesuai dengan Bank Victoria began implementing performance assessment in
KPI berdasarkan sistem Balanced Scorecard, yang merupakan accordance with KPIs based on the Balanced Scorecard system,
suatu sistem pengukuran kinerja yang berfokus pada aspek which is a performance measurement system that focuses
keuangan dan non keuangan. Hal tersebut dilakukan dengan on financial and non-financial aspects. This is conducted by
mempertimbangkan 4 (empat) perspektif, yaitu keuangan, considering 4 (four) perspectives, which are finance, customers,
nasabah, pembelajaran dan pertumbuhan karyawan, serta proses employee’s learning and growth, and internal business processes
bisnis internal yang diharapkan dapat membantu Bank untuk that are expected to help the Bank to continue to achieve its
terus mencapai visi serta strategi bisnis ke depan. vision and business strategy going forward.
Pelaksanaan penilaian kinerja karyawan dimaksudkan untuk Employee performance assessment is intended to determine the
mengetahui sejauh mana kinerja dari setiap HC, kekurangan extent of performance of each HC, weaknesses and strengths,
dan kelebihan, serta kelemahan dan kekuatan setiap HC. and weaknesses and strengths of each HC. In addition, the
Selain itu, pelaksanaan penilaian kinerja juga digunakan untuk implementation of performance assessment is also used to
mengevaluasi efektivitas sistem-sistem yang berjalan/berlaku di evaluate the effectiveness of the systems that are running/
Bank Victoria. HC diharapkan dapat menjalankan tugasnya secara applicable at Bank Victoria. HC is expected to carry out its
optimal, meningkatkan loyalitas, serta menggerakkan iklim kerja duties optimally, increase loyalty, and drive an open, positive,
yang terbuka, positif dan progresif melalui penilaian kinerja yang and progressive work climate through performance assessment
dilaksanakan sebanyak 2 (dua) kali dalam 1 (satu) tahun. which is conducted twice a year.
Secara khusus, pelaksanaan penilaian kinerja karyawan diatur Specifically, employee performance assessment is regulated in
dalam Sistem Penilaian Kinerja Karyawan yang termuat dalam the Employee’s Performance Assessment System contained in the
Standar Operasional Prosedur Human Capital Management yang Standard Operating Procedures of Human Capital Management
telah disahkan melalui Surat Keputusan Direksi No. 014/SK- that has been validated by the Board of Directors’ Decision Letter
DIR/07/19 tanggal 30 Juli 2019. Pelaksanaan penilaian tersebut No. 014/SK-DIR/07/19 dated 30 July 2019. The implementation
telah sesuai dengan Peraturan Perusahaan, Surat Edaran Direksi, of performance assessment is already in line with the Company
Surat Keputusan Direksi, kaidah-kaidah umum tentang penilaian Regulations, Circular Letters of Board of Directors, Decision
HC, serta kebiasaan yang ada di lingkungan Bank. Letters of Board of Directors, general rules on HC assessment,
and existing norms within the Bank’s environment.
Hasil penilaian kinerja HC selanjutnya akan menjadi bahan The entire results of HC performance assessment will become
pertimbangan untuk menetapkan kenaikan remunerasi dan bonus a consideration in determining the increase of remuneration
tahunan. Selain itu, hasil penilaian kinerja juga akan digunakan and annual bonus. Furthermore, the performance assessment
sebagai dasar pemberian penghargaan kepada karyawan, baik results will also be used as the basis of rewards for employees,
yang bersifat finansial maupun nonfinansial, yang disesuaikan both financial and non-financial, adjusted with the Bank's ability
dengan kemampuan Bank setiap tahunnya. every year.
Ukuran-Ukuran
Prestasi Kerja
Prestasi Work Performance Atasan Langsung

Achievement Measurement Direct Report
Maksud dan Subjek Penilaian

Tujuan Penilaian (Human Capital) Objek Penilaian
Tata Cara Kerja Penilaian Kepala Unit
Purpose and Subject of the Object of the Work Procedure Assesment Unit Head
Objective of Assessment Assessment
Assessment (Human Capital)
Kepribadian Kepala Divisi/

Kriteria yang Terkait
Personality Pimpinan Cabang
dengan Prestasi Kerja
Division Head/
Keputusan - Criteria related to Work
Branch Mngmt
Keputusan Human Achievement
Capital
Management
Decision of
Human Capital Feedback bagi
Subjek Penilaian Human Capital Human Capital
Management Notes on Human Capital
Feedback for HC

Pengembangan Karier Career Development

Dalam mengimplementasikan program pengembangan karier, In implementing career development programs, Bank Victoria
Bank Victoria selalu berlandaskan pada prinsip fair opportunity, always refers to the principle of fair opportunity, namely the
yaitu adanya kesempatan yang sama bagi setiap karyawan untuk equal opportunity for every employee to grow and develop by
tumbuh dan berkembang dengan tetap memperhatikan faktor considering the Bank's needs, ability, level of performance,
kebutuhan Bank, kemampuan, tingkat kinerja, value rating, value rating, talent classification, availability position, and other
kelompok talenta (talent classification), ketersediaan jabatan, requirements.
serta persyaratan lainnya.
Adapun tujuan pengembangan karier sebagai berikut. The objectives of career development are as follows:
1. Membantu pencapaian tujuan individu dan Bank sebagai 1. Assisting the achievement of individual and Bank objectives
hubungan timbal balik yang bermanfaat bagi kesejahteraan as beneficial mutual relationships for HC welfare and Bank
HC dan tujuan Bank; goals;
2. Menunjukkan hubungan kesejahteraan HC, dimana peningkatan 2. Demonstrating the connection of HC welfare, where
kesejahteraan diharapkan dapat meningkatkan loyalitas; improvement of welfare is expected to increase loyalty;
3. Membantu HC memahami potensi dan keahliannya, sehingga 3. Assisting HC in understanding their potential and expertise,
mampu menciptakan iklim kerja positif; dan so that a positive work environment can be created; and
4. Mengurangi turnover, dimana rendahnya turnover dapat 4. Reducing turnover, where a low turnover can save manpower
menghemat biaya tenaga kerja, khususnya biaya untuk costs, especially the cost of training/educating new
mendidik karyawan baru. employees.
Sedangkan, manfaat pengembangan karier bagi Bank Victoria Whereas, the advantages of career development for Bank Victoria
sebagai berikut. are as follows:
1. Sebagai media dalam upaya menyediakan HC yang sesuai 1. As media in the effort to provide HC that is in accordance with
dengan strategi Bank; the Bank’s strategies;
2. Mengatur agar Bank memiliki dan mengaplikasikan sistem 2. Arranging so that the Bank has and applies a defined and
pengembangan karier yang jelas dan terukur; measured career development system;
3. Mengidentifikasikan karyawan yang potensial; 3. Identifying potential employees;
4. Menciptakan iklim kompetisi yang sehat; dan 4. Creating a healthy competition; and
5. Menyediakan standar kompetensi HC yang dibutuhkan pada 5. Providing HC competence standard required for every
setiap jabatan di Bank. position in the Bank.
Pengembangan karier harus dilihat secara menyeluruh, tidak Career development shall be seen as a whole, not only from the
hanya dari sisi promosi, tetapi juga dari sisi peningkatan promotion side, but also from the side of improving capability,
kapabilitas, perluasan kewenangan, pengembangan individu expanding authority, individual development, and increasing
dan peningkatan remunerasi. Untuk itu, Bank Victoria remuneration. Therefore, Bank Victoria develops HC career by
mengembangkan karier HC dengan mengacu pada Prudential referring to the following Prudential Career Management Guidelines.
Career Management Guideline sebagai berikut.
1. HC yang akan diusulkan untuk dikembangkan kariernya, harus 1. HC who is proposed for career development, shall be deemed
diyakini telah memberikan kontribusi kinerja yang konsisten to have given continuous and consistent performance
dan berkesinambungan; contribution;
2. HC tersebut harus diberikan perluasan tugas/fungsi/ 2. Such HC shall be given expansion of duty/function/authority.
kewenangan. Proses perluasan ini dapat dikompensasikan This expansion process can be compensated through
melalui kenaikan gaji yang memadai dengan memperhatikan adequate salary increase by considering the salary range and
range gaji dan anggaran biaya tenaga kerja yang tersedia; dan the available budget for manpower cost; and
3. HC yang telah berhasil dalam tugas barunya dapat dipindahkan 3. HC who has succeeded in their new assignments can be
ke bidang lain dalam rangka memperluas pengetahuannya. rotated to other field in order to expand their knowledge.
Sepanjang tahun 2019, Bank Victoria telah melaksanakan Throughout 2019, Bank Victoria carried out career development
pengembangan karier terhadap 240 karyawan dengan for 240 employees by placing in various positions as follows.
penempatan di berbagai posisi sebagai berikut.

Jumlah Karyawan (orang)

Pengembangan Karier Career Development
Total Employees (persons)
Promosi kepada jabatan yang lebih tinggi 32 Promotion to a higher position
Mutasi pada jenjang yang selevel 208 Transfer at the same level
Total 240 Total
Human Capital Engagement Human Capital Engagement

Human Capital Engagement merupakan parameter yang digunakan Human Capital Engagement is a parameter used to measure the
untuk mengukur tingkat keterikatan emosional karyawan terhadap level of emotional attachment of employees to the Bank. Bank
Bank. Bank Victoria senantiasa memperhatikan kesejahteraan Victoria always pays attention to the welfare of all employees so
seluruh karyawan agar dapat saling bersinergi demi terciptanya that they can work together to create optimal work productivity.
produktivitas kerja yang optimal. Beberapa cara yang dilakukan Several methods applied to increase employees’ engagement are
Bank untuk meningkatkan engagement karyawan adalah dengan by giving the opportunity to participate in education and training
memberikan kesempatan mengikuti pendidikan dan pelatihan to improve their knowledge as well as giving the opportunity
untuk meningkatkan pengetahuan serta memberikan kesempatan to the best HC to develop their career through promotion, job
bagi HC terbaik untuk mengembangkan karir melalui promosi, job rotation, job enrichment, job enlargement, or other challenges,
rotation, job enrichment, job enlargement atau tantangan lain, such as engaged in an activity organized by the Bank.
seperti terlibat dalam suatu kegiatan yang diselenggarakan Bank.
Bank juga melakukan penilaian kinerja atas pencapaian KPI The Bank also conducts performance assessment of Key
berdasarkan sistem Balanced Scorecard yang direncanakan Performance Indicators (KPI) achievements that are planned and
dan ditetapkan mulai dari level perusahaan, tingkat divisi/tim set from the Company level, division/team level, to individual
sampai dengan tingkat individu. Berdasarkan hasil penilaian, level. Based on the assessment results, the Bank shall monitor
Bank melakukan pemantauan atas produktivitas masing-masing the overall performance achievements of each individual
individu maupun grup/kelompok. Pemantauan dilakukan melalui employee and group/team. The monitoring shall be conducted
coaching, counseling, dan controlling. through coaching, counseling, and controlling.
Hasil penilaian dan pemantauan kinerja kemudian digunakan The performance assessment and monitoring results will then be
untuk beberapa tujuan, yakni: used for several purposes:
1. Menjadi umpan balik bagi pengembangan kompetensi SDM 1. Becoming the feedback for the competence development of
bersangkutan; the concerned HR;
2. Memberikan penghargaan bagi yang memiliki kinerja mencapai 2. Giving appreciation to those whose performance meets or
atau melebihi target yang disepakati dalam KPI; dan exceeds the targets agreed in their KPI; and
3. Menentukan program pembinaan bagi yang kurang atau tidak 3. Determining the coaching program for those whose
dapat mencapai ukuran kinerja yang ditetapkan. performance is less than or does not meet the set target.
HC yang berprestasi dalam mendukung pencapaian target akan HC who excel in supporting the business target achievement will
mendapatkan penghargaan. Pemberian penghargaan dilakukan receive rewards. The awarding is carried out consistently every
secara konsisten setiap tahunnya, antara lain berupa uang tunai year, among others, in the forms of cash for branch office target
untuk pencapaian target kantor cabang berdasarkan berdasarkan achievement based on the achievement of the best newcomer
pencapaian kantor cabang pendatang baru terbaik, New To Bank (NTB) branch office, the best New To Bank (NTB), the best composition
terbaik, komposisi dana murah (CASA) terbaik, Performance terbaik, of low-cost funds (CASA), the best performance, and the best KPI
kinerja terbaik, serta pencapaian KPI terbaik untuk jabatan Kepala achievement for the position of Head of Operations, Customer
Operasional, Customer Service, Teller, dan Security terbaik. Pemberian Service, Teller, and the best Security. The awarding in 2019 is
penghargaan pada tahun 2019 ditunjukkan sebagai berikut. described as follows.
Penerima Penghargaan
Jenis Penghargaan Type of Award
Awardee
KC Medan Achievement of the Branch Office as the Best
Pencapaian Kantor Cabang Pendatang Baru Terbaik
Medan Branch Office Newcomer
1. Kantor Cabang Utama Senayan

2. Kantor Cabang Utama BIP
Pencapaian Performance Terbaik Achievement of the Best Performance
1. Senayan Main Branch Office
2. BIP Main Branch Office

Penerima Penghargaan
Jenis Penghargaan Type of Award
Awardee
1. Kantor Cabang Utama Cideng
2. Kantor Cabang Pembantu Senayan City
Pencapaian CASA Terbaik Achievement of the Best CASA
1. Cideng Main Branch Office
2. Senayan City Sub-Branch Office
1. Kantor Cabang Pembantu Duta Merlin

2. Kantor Cabang Utama Bali
Pencapaian NTB Terbaik Achievement of the Best NTB
1. Duta Merlin City Sub-Branch Office
2. Bali Main Branch Office
1. Kantor Cabang Pembantu Cikini

2. Kantor Cabang Pembantu BSD
Pencapaian Service Terbaik Achievement of the Best Service
1. Cikini City Sub-Branch Office
2. BSD City Sub-Branch Office
Kantor Cabang Pembantu Bekasi

Kepala Operasional Terbaik dan Berdedikasi Tinggi The Best and Highly Dedicated Operational Head
Bekasi City Sub-Branch Office
Kantor Cabang Pembantu Sentra Niaga

Customer Service Terbaik The Best Customer Service
Sentra Niaga City Sub-Branch Office
Kantor Cabang Utama Bogor

Teller Terbaik The Best Teller
Bogor Main Branch Office
Kantor Cabang Pembantu Green Garden

Security Terbaik The Best Security
Green Garden City Sub-Branch Office
Selain itu, HC Engagement juga dilakukan melalui penerapan In addition to that, HC engagement is also conducted through the
standar remunerasi yang layak dan memenuhi peraturan- implementation of a fair remuneration standard that meets the
peraturan terkait ketenagakerjaan. Standar remunerasi ditetapkan regulations related to employment. The standard of remuneration
berdasarkan pemeringkatan karyawan dan jenjang jabatan. shall be determined based on the employee ranking and position level.
Industrial Relation Industrial Relation

Bank Victoria selalu berupaya untuk menciptakan suasana kerja Bank Victoria always strives to create an open, positive, and
yang terbuka, positif, dan progresif dalam rangka meningkatkan progressive work atmosphere in order to improve harmonious,
hubungan industrial yang harmonis, dinamis dan adil. Dalam dynamic, and fair industrial relations. In realizing such work
menciptakan suasana kerja tersebut, Bank menyusun Peraturan atmosphere, the Bank developed Bank Victoria’s Company
Perusahaan Bank Victoria yang telah dimutakhirkan dan disahkan Regulations that have been updated and validated by the Ministry of
oleh Kementerian Tenaga Kerja dan Transmigrasi melalui Surat Manpower and Transmigration through the Decree of the Director
Keputusan Direktur Jenderal Pembinaan Hubungan Industrial dan General of Industrial Relations Development and Social Security
Jaminan Sosial Tenaga Kerja No. Kep.564/PHIJSK-PK/PP/IV/2019 No. Kep.564/PHIJSK-PK/PP/IV/2019 dated 16 April 2019 on the
tanggal 16 April 2019 tentang Pengesahan Peraturan Perusahaan Validation of Company Regulation of PT Bank Victoria International
PT Bank Victoria International Tbk. Peraturan ini dimutakhirkan Tbk. The Company Regulation is updated periodically in accordance
secara berkala sesuai dengan perubahan peraturan dan with the changes in regulations and banking industry development
perkembangan industri perbankan di tanah air. Bank juga secara in the country. The Bank also regularly holds meetings with workers'
rutin telah melakukan rapat dengan perwakilan pekerja untuk representatives to discuss issues related to the fulfillment of HC’s
membahas isu-isu terkait pemenuhan hak dan kewajiban HC rights and responsibilities, and the formulation of disciplinary
maupun perumusan sanksi disiplin, jika terdapat pelanggaran sanctions, in the event that there is a disciplinary violation by HC.
disiplin oleh HC.
Internalisasi Budaya Perusahaan Internalization of Corporate Culture

Budaya Perusahaan merupakan nilai budaya Bank Victoria yang Corporate culture is the culture values of Bank Victoria that are
dihidupi dan dijalankan secara konsisten oleh seluruh jajaran lived and executed consistently by all circles of the Bank HC. The
HC Bank. Budaya Perusahaan ditujukan untuk menciptakan corporate culture is intended to create the transformation of
transformasi budaya kerja yang lebih profesional di Bank Victoria work culture that is more professional in Bank Victoria to support
guna mendukung perbaikan proses dan kinerja bisnis Bank. the improvement of the business process and performance of the
Transformasi tersebut dimulai dari tahap awareness, engagement, Bank. The transformation is started from the stage of awareness,
acceptance, dan ownership. engagement, acceptance, and ownership.

Bank menetapkan program kerja yang dapat memperkuat budaya The Bank established a work program that can strengthen the
kerja yang berorientasi pada intrapreneurship (pelayanan dan work culture that is intrapreneurship oriented (services and
penjualan), kinerja, inovasi dan efisiensi. Hal itu dilakukan untuk sales), performance, innovation, and efficiency. This was done to
mewujudkan transformasi budaya kerja, seperti sosialisasi dan realize the transformation of work culture, such as dissemination
komunikasi nilai budaya perusahaan, internalisasi nilai budaya and communication of corporate cultural values, internalization
perusahaan, penyelarasan sistem organisasi dan HC, serta of corporate cultural values, alignment of organizational and
pelaksanaan program recognition. Program tersebut dilaksanakan HC systems, and implementation of recognition programs. The
secara konsisten sebagai bagian yang tidak terpisahkan dari program is implemented consistently as an integral part of the
kegiatan operasional Bank. Bank's operational activities.
Tingkat Turnover Human Capital Human Capital Turnover Rate

Bank Victoria senantiasa berupaya optimal untuk menjaga Bank Victoria always strives optimally to maintain the comfort and
kenyamanan dan keamanan dari setiap karyawan selama bekerja security of each employee while working to increase employee
untuk meningkatkan keterikatan karyawan terhadap Bank. attachment to the Bank. In 2019, it was recorded that 274
Pada tahun 2019, tercatat sebanyak 274 karyawan Bank Victoria employees of Bank Victoria resigned, or 27.02% from the total
berhenti bekerja, atau mencapai 27,02% dari total karyawan Bank employees of Bank Victoria by the end of 2019 that reached 1,014
Victoria akhir tahun 2019 yang mencapai 1.014 karyawan. Tingkat employees. The turnover rate is higher than that of 2018 which
turnover tersebut lebih tinggi dari tahun 2018 yang mencapai reached 26.63% of total employees at the end of 2018 which
26,63% dari total karyawan akhir tahun 2018 yang mencapai 1.044 reached 1,044 employees. The comparative 2 (two) year employee
karyawan. Tingkat turnover karyawan komparatif 2 (dua) tahun turnover rate is presented in the following table.
terakhir disajikan dalam tabel berikut.
2019 2018
Uraian (orang) (orang) Description
(persons) (persons)
Total HC 1,014 1,044 Total HC
Total HC yang Keluar 274 278 Total exiting HC
Tingkat Turnover (%) 27.02 26.63 Turnover Rate (%)
Profil Human Capital Human Capital Profile

Pada tahun 2019, total HC Bank Victoria mencapai 1.014 orang, In 2019, Bank Victoria’s total HC reached 1,014 people, a decrease
mengalami penurunan sebesar 2,88% dibandingkan tahun of 2.88% compared to that of 2018 that reached 1,044 people. This
2018 yang mencapai 1.044 orang. Hal ini dikarenakan adanya was due to the reduction of number of branch offices in Jakarta
pengurangan jumlah kantor cabang di wilayah Jakarta. region.
Jumlah Karyawan Berdasarkan Level Organisasi

Total Employees by Organizational Level
2019 2018
Level Organisasi Pria Wanita Total Pria Wanita Total

Organizational Level (orang) (orang) (orang) (orang) (orang) (orang)
(%) (%)
Male Female Total Male Female Total
(persons) (persons) (persons) (persons) (persons) (persons)
Direksi
4 1 5 0.49 5 1 6 0.57
Board of Directors
Manajemen
103 139 242 23.87 84 151 235 22.51
Management
Pelaksana
389 378 767 75.64 431 372 803 76.92
Executor
Total 496 518 1,014 100.00 520 524 1,044 100.00

Jumlah Karyawan Berdasarkan Tingkat Pendidikan

Total Employees by Educational Level
2019 2018
Tingkat Pendidikan Pria Wanita Total Pria Wanita Total

Educational Level (orang) (orang) (orang) (orang) (orang) (orang)
(%) (%)
Pascasarjana
16 14 30 2.96 19 10 29 2.78
Post-Graduates
Sarjana
198 278 476 46.94 199 301 500 47.89
Graduates
Diploma 41 146 187 18.44 45 141 186 17.82
< SMA
241 80 321 31.66 257 72 329 31.51
< High School
Total 496 518 1,014 100.00 520 524 1,044 100.00
Jumlah Karyawan Berdasarkan Status Karyawan

Total Employees by Employment Status
2019 2018
Status Karyawan Pria Wanita Total Pria Wanita Total

Employment Status (orang) (orang) (orang) (orang) (orang) (orang)
(%) (%)
Karyawan Tetap
240 312 552 54.44 256 347 603 57.76
Permanent Employee
Karyawan Tidak Tetap

Non-Permanent 23 199 222 21.89 21 171 192 18.39
Employee
Outsourcing 233 7 240 23.67 243 6 249 23.85
Total 496 518 1,014 100.00 520 524 1,044 100.00
Jumlah Karyawan Berdasarkan Usia

Total Employees by Age
2019 2018
Pria Wanita Total Pria Wanita Total

Usia
(orang) (orang) (orang) (orang) (orang) (orang)
Age (%) (%)
> 60 tahun/ years old 7 1 8 0.79 5 1 6 0.57
51 – 60 tahun/ years old 51 29 80 7.89 46 26 72 6.90
41 – 50 tahun/ years old 127 75 202 19.92 136 80 216 20.69
31 – 40 tahun / years old 195 164 359 35.40 201 154 355 34.00
21 – 30 tahun/ years old 113 248 361 35.60 128 258 386 36.97
≤ 20 tahun/ years old 3 1 4 0.39 4 5 9 0.86
Total 496 518 1,014 100.00 520 524 1,044 100.00

Jumlah Karyawan Berdasarkan Masa Kerja

Total Employees by Years of Services
2019 2018
Pria Wanita Total Pria Wanita Total

Masa Kerja
(orang) (orang) (orang) (orang) (orang) (orang)
Years of Services (%) (%)
> 20 tahun/ years old 6 7 13 1.28 6 7 13 1.25
16 – 20 tahun/ years old 19 17 36 3.55 17 17 34 3.26
11 – 15 tahun/ years old 72 67 139 13.71 53 46 99 9.48
6 – 10 tahun/ years old 134 141 275 27.12 150 161 311 29.79
0 – 5 tahun/ years old 265 286 551 54.34 294 293 587 56.23
Total 496 518 1,014 100.00 520 524 1,044 100.00
Jumlah Karyawan Berdasarkan Jenis Kelamin

Total Employees by Gender
2019 2018
Jenis Kelamin
Gender Total (orang) Total (orang)
(%) (%)
Total (persons) Total (persons)
Wanita
518 51.08 524 50.19
Woman
Pria
496 48.92 520 49.81
Man
Total 1,014 100.00 1,044 100.00
Strategi Pengelolaan Human Capital Human Capital Management Strategy in

Tahun 2020 2020
Bank Victoria telah menyusun rencana kerja pengelolaan HC guna Bank Victoria has developed a HC management work plan to
memastikan kesinambungan setiap tahunnya. Rencana kerja ensure sustainability every year. The HC management work plan
pengelolaan HC yang akan dilaksanakan pada tahun 2020 sebagai which will be implemented in 2020 is as follows.
berikut.
Area Utama Strategi Rencana Tindakan

Key Result Area Strategy Action Plan
Ketentuan dan kebijakan bidang Human Capital Pengkinian dan penyempurnaan ketentuan dan a.
Penyusunan KPI karyawan berdasarkan
Management kebijakan bidang HCM Balance Score Card; dan
Provisions and policies in the field of Human Updating and refining HCM provisions and b.
Pengkinian dan penyempurnaan standar
Capital Management policies operasional prosedur bidang HCM.
a. Establishing employee’s KPI based on Balance
Score Card; and
b. Updating and refining the standard operating
procedures in HCM sector.

Area Utama Strategi Rencana Tindakan

Key Result Area Strategy Action Plan
Pengembangan karyawan Mengoptimalisasikan pendidikan dan pelatihan a. Victoria Corporate University:
Employee development termasuk juga proses penilaian dan pengelolaan • Penyusunan kurikulum, silabus, dan modul;
talent karyawan • Penyusunan program talent pool;
Optimizing education and training including the • Penyusunan program assessment; dan
process of assessing and managing employee • Pengembangan program E-Learning.
talent b. Penyelenggaraan program ujian sertifikasi:
• Sertifikasi Manajemen Risiko;
• Sertifikasi Dealer Treasury;
• Sertifikasi Audit; dan
• Sertifikasi Kepatuhan.
c. Penyelenggaraan program training refreshment;
d. Penyelenggaraan program pelatihan internal
dan eksternal sesuai dengan kebutuhan divisi
terkait; dan
e. Sosialisasi peraturan dan ketentuan perbankan
serta sosialisasi kebijakan internal.
a. Victoria Corporate University:
• Preparing curriculum, syllabus, and
modules;
• Preparing talent pool program;
• Preparing assessment program; and
• Developing E-Learning program.
b. Implementing certification exam program:
• Risk Management Certification;
• Treasury Dealer Certification;
• Audit Certification; and
• Compliance Certification.
c. Organizing refreshment training program;
d. Implementing internal and external training
programs in accordance with the needs of the
relevant division; and
e. Disseminating banking rules and regulations
as well as internal policies.
Rekruitmen Karyawan Pemenuhan kebutuhan karyawan secara tepat a. Melakukan pemenuhan kebutuhan karyawan
Employee Recruitment Meeting employees’ needs appropriately untuk mengisi kekosongan karyawan yang resign;
dan
b. Melakukan promosi, rotasi, mutasi serta
pengkinian manpower planning.
a. Meeting employees’ needs to fill the vacancy of
resigned employees; and
b. Promoting, rotating, transferring, and
updating the manpower planning.
Administrasi services and payroll Pemenuhan ketentuan pelaporan dan layanan a. Pelaporan Wajib Lapor Penyelenggaraan
Services and payroll administration ketenagakerjaan Fasilitas Kesejahteraan Peraturan Daerah No.
Compliance with reporting requirements and 6 Tahun 2004;
employment services b. Pelaporan Wajib Lapor Ketenagakerjaan Online
Peraturan Menteri Tenaga Kerja 3/ 019;
c. Pelaporan Form 803 – 806 LKPBU; dan
d. Pembuatan SPT Pasal 21 Karyawan.
a. Obligatory Report on the Implementation of
Welfare Facilities, Regional Regulation No. 6 of
2004;
b. Online Obligatory Report on Manpower,
Minister of Manpower Regulation No. 3/2019;
c. Reporting Form 803 - 806 LKPBU; and
d. Preparing SPT Article 21 for Employees.

Teknologi Informasi
// Information Technology
Di era digital saat ini, teknologi informasi (TI), baik dari sisi In the era of digital today, information technology (IT), both from
infrastruktur maupun aplikasi, sangat berperan penting untuk the side of infrastructure and application, has an important role to
mendukung kelancaran kegiatan operasional dan pertumbuhan support the smoothness of the operational activities and business
bisnis Bank, termasuk memajukan sistem perbankan secara growth of the Bank, including advancing the whole banking system.
menyeluruh. Oleh karenanya, Bank Victoria terus meningkatkan Therefore, Bank Victoria continues to improve and optimize the IT
dan mengoptimalisasikan sarana dan prasarana TI secara berkala, facilities and infrastructure periodically, especially the security of
khususnya keamanan penggunaan TI. Melalui layanan berbasis IT utilization. Through IT-based services, the Bank hopes to be able
TI, Bank berharap mampu meningkatkan dan memudahkan to improve and facilitate the services to customers through the
pelayanan kepada nasabah melalui otomatisasi proses bisnis, automization of business process, efficiency process, and product
efisiensi proses, dan inovasi produk. Hal ini menjadi bagian dari innovation. This becomes part of the commitment and spirit of the
komitmen dan semangat Bank dalam menyambut peningkatan Bank in celebrating the enhanced status from a “commercial bank”
status dari “bank umum” menjadi “bank devisa”. to “foreign exchange bank”.
Dasar Penerapan Teknologi Informasi Fundamental Implementation of

Dasar penerapan TI Bank Victoria mengacu kepada Peraturan The basic IT application of Bank Victoria shall refer to the
Otoritas Jasa Keuangan No. 38/POJK.03/2016 tentang Penerapan Regulation of OJK No. 38/POJK.03/2016 concerning
Manajemen Risiko dalam Teknologi Informasi oleh Bank Umum. Implementation of Risk Management in the Information
Peraturan tersebut memuat beberapa aturan terkait penerapan Technology of Commercial Banks. The regulation contains
TI pada Bank yang diuraikan sebagai berikut. several rules related to the application of IT on the Bank described
as follows.
1. Bank wajib memiliki Komite Pengarah Teknologi Informasi 1. The Bank must have an Information Technology Steering
(Information Technology Steering Committee); Committee;
2. Komite Pengarah Teknologi Informasi bertanggung jawab 2. The Steering Committee of Information Technology is
memberikan rekomendasi kepada Direksi, paling sedikit responsible to give recommendations to the Board of
terkait dengan: Directors, at least concerning:

a. Rencana strategis TI yang sejalan dengan rencana a. Strategic plans of IT that is in line with the strategic plans
strategis kegiatan usaha Bank; of the Bank business activities;
b. Perumusan kebijakan, standar, dan prosedur TI yang b. Formulation of the policy, standard, and main procedure
utama; of IT;
c. Kesesuaian antara proyek TI yang disetujui dengan c. Conformity between the approved IT projects and the IT
rencana strategis TI; strategic plans;
d. Kesesuaian antara pelaksanaan proyek TI dengan d. Conformity between the implementation of IT projects
rencana proyek yang disepakati (project charter); and the agreed project plans (project charter);
e. Kesesuaian antara TI dengan kebutuhan sistem e. Conformity between the IT and the need of management
informasi manajemen, serta kebutuhan kegiatan usaha information system, as well as the need of the Bank
Bank; business activities;
f. Efektivitas langkah-langkah dalam meminimalkan risiko f. Effectiveness of the measures in minimizing risk on Bank
atas investasi Bank pada sektor TI agar memberikan investment in the IT sector so that the Bank investment
kontribusi terhadap pencapaian tujuan bisnis on IT sector provides contribution to the achievement of
Bank; the Bank business goals;
g. Pemantauan atas kinerja TI dan upaya peningkatan g. Monitoring on the IT performance and improvement
kinerja TI; efforts of the IT performance;
h. Upaya penyelesaian berbagai masalah terkait TI yang h. Efforts on the settlements of several issues related to
tidak dapat diselesaikan oleh satuan kerja pengguna dan IT that cannot be settled by the user work units and and
penyelenggara TI secara efektif, efisien, dan tepat waktu; provider of the IT effectively, efficiently, and timely;
dan and
i. Kecukupan dan alokasi sumber daya yang dimiliki i. Adequaci and allocation of resources possessed by the
Bank. Bank.
3. Bank wajib memiliki dan menerapkan kebijakan, standar, 3. The Bank must have a policy, standard, and procedure for
dan prosedur penggunaan TI secara konsisten dan the use of IT and must implement the policy, standard, and
berkesinambungan; procedure for the use of IT consistently and continuously;
4. Kebijakan, standar, dan prosedur penggunaan TI paling 4. The policy, standard, and procedure of IT utilization at least
sedikit meliputi aspek: covering the aspects of:
a. Manajemen; a. Management;
b. Pengembangan dan pengadaan; b. Development and procurement;
c. Operasional TI; c. IT operations;
d. Jaringan komunikasi; d. Communication network;
e. Pengamanan informasi; e. Information security;
f. Rencana pemulihan bencana; f. Disaster recovery plans;
g. Layanan perbankan elektronik; g. Electronic banking services;
h. Penggunaan pihak penyedia jasa TI; serta h. Use of IT service provider parties; and
i. Penyediaan jasa TI oleh Bank. i. Provision of IT services by the Bank.
Roadmap Teknologi Informasi Information Technology Roadmap

Bank terus berinovasi dalam mengembangkan sistem TI yang The Bank continues to innovate in developing IT systems that
sesuai dengan kebutuhan bisnis yang dinamis mengingat are in line with the dynamic business needs considering IT’s
pentingnya peranan TI dalam kelancaran kegiatan operasional. important role in the smooth running of operational activities.
Upaya tersebut diawali dengan penyusunan roadmap The effort began with the preparation of an IT development
pengembangan TI yang disesuaikan dengan rencana jangka roadmap tailored to Bank Victoria's medium-term and long-term
menengah dan jangka panjang oleh Bank Victoria. Adapun plans. The description of IT development roadmap is presented in
penjabaran roadmap pengembangan TI tersebut disampaikan the following scheme.
dalam skema berikut.

2020 2021 2022
Masing-masing divisi/cabang memastikan Evaluasi dan perbaikan. Evaluasi dan perbaikan.

Re-engineering proses kerja yang telah diidentifikasi dapat Evaluation and Evaluation and
proses kerja ditingkatkan efektifitas dan kualitasnya. improvement. improvement.
Peningkatan SLA, akurasi dan kontrol TBO
Re-engineering
dokumen, zero defect.
of work process
Each division/branch ensuring that the
work process identified can be improved its
effectiveness and quality.
Improvement of SLA, accuracy and control
of TBO document, zero defect.
Mengoptimalkan pemanfaatan fungsi Evaluasi dan perbaikan. Evaluasi dan perbaikan.

loan module, menggunakan simple flow Evaluation and Evaluation and
process kredit melalui SLIK, beberapa improvement. improvement.
pengembangan loan module untuk
mendukung proses bisnis.
Automasi penyusunan laporan internal dan
eksternal.
Optimizing the use of loan module functions,
using simple credit flow process through
SLIK, several loan module developments to
support business process.
Automation of preparation of internal and
external reports.
Melakukan smile campaign, bekerja sama

dengan Divisi terkait untuk meningkatkan
kualitas customer experience, memantau
komplain nasabah, meningkatkan
layanan call center, dan meningkatkan
pengembangan produk.
Melakukan komparasi pelaksanaan
customer experience dengan bank
kompetitor.
Conducting a smile campaign, cooperating
with relevant divisions to improve the
quality of customer experience, monitoring
customer complaints, improving call
center services, and improving product
development.
Comparing the implementation of customer
experience with that of competitor banks.
Terus melaksanakan monitoring dan review pelaksanaan customer experience di seluruh cabang.
Continue implementing monitoring and review the implementation of customer experience in all branches.

2019 2020 2021
Pengembangan dan Revamp Mobile Banking, ikut terlibat dalam

NPG (2 Switching), mengkaji improvement corebanking system,
Memperluas
pengembangan retail front end apps, full implementasi PSAK,
peran aktif TI dan pengembangan elektronifikasi dokumen kredit (LOS).
Expand the Developing and Revamping Mobile Banking, involved in NPG
active role of IT (2 Switching), reviewing improvement of corebanking systems,
developing retail front end apps, full implementation of PSAK,
and developing credit document electronically (LOS).
Membangun channeling system untuk mendukung bisnis Multi

Finance, sentralisasi aplikasi support system, mengembangkan
pembayaran pajak online, pengembangan rental FOREX.
Building a channeling system to support the Multi Finance
business, centralizing the support system application,
developing online tax payments, developing FOREX rentals.
Secara bertahap melakukan pengkajian pengembangan aplikasi

dan infrastruktur.
Gradually reviewing application and infrastructure development.
Layanan helpdesk, perluasan fungsi jaringan VOIP, video

conference, dan call Center.
Helpdesk service, expansion of VOIP network functions, video
conferencing, and call center.
Struktur Pengelola Teknologi Informasi Structure of Information Technology

Management
Berdasarkan Surat Keputusan Direksi No. 01/SKDIR/09/16 Based on the Decision Letter of the Board of Directors No.
tentang Struktur Organisasi, penanggung jawab pengelolaan TI 01/SKDIR/09/16 concerning Organizational Structure, the
Bank Victoria adalah Divisi Information Technology yang dipantau IT management in Bank Victoria is the responsibility of the
oleh Komite Pengarah Teknologi Informasi. Divisi ini bertanggung Information Technology Division monitored by the Information
jawab kepada Direktur Utama untuk membantu Bank dalam hal- Technology Steering Committee. This division is responsibile to
hal yang berkaitan dengan aspek TI, sehingga dapat memberikan the President Director to assist the Bank in matters related to the
akses data perbankan yang online/real time bagi Bank dan IT aspect so it can give access to online/real time banking data for
nasabah, sesuai dengan hak dan kewajibannya masing-masing. the Bank and the Customers, in accordance with their respective
rights and obligations.

Adapun struktur Divisi Information Technology Bank Victoria The structure of Technology Information Division of Bank Victoria
ditunjukan dalam skema berikut. is shown in the following scheme.
Chief IT Steering Committee Wakil Direktur Utatma

Deputy President Director IT Steering Committee
Rusli
IT Steering Committee Secretary Senior Executive Vice President (SEVP)

Operations and IT
Darwinsyah
Head of IT
Yohanes Robby Yuwono
IT Governance and PMO System and Apps Security and

Infrastructure IT Operation
Development
Quality Assurance and Core Banking System IT Security ADM and DC Operation
Version Management Access Control
IT Governance and PMO Surrounding Application Network and IT Data Management

Infrastructure and Warehouse
DB Administrator Intrusion Detection IT Help Desk

and Monitoring
Application Vendors
Fungsi dan ruang lingkup tugas terkait TI dari masing-masing Unit The function and scope of duties related to IT from respective
Kerja pada Divisi TI diuraikan sebagai berikut. Work Units in the IT Division are described as follows.
Fungsi Uraian Tugas

Function Description of Duties
IT Development and Application
a. Mengkoordinasikan TI dengan user dalam hal a. Melakukan monitoring terhadap proses user acceptance test (UAT);
kebutuhan TI dari user (sisi software, hardware b. Memberikan persetujuan/konfirmasi mengenai kesiapan aplikasi dalam penyerahterimaan
maupun jaringan komunikasi); kepada user;
b. Melakukan monitoring terhadap project yang c. Melakukan pitching teknologi dan harga/biaya atas project yang akan diimplementasikan;
dikembangkan; dan d. Memastikan adanya application security, user access rights dan user access control yang
c. Membantu pengguna untuk menyusun Business memadai;
e. Melakukan post implementation review (PIR) terhadap aplikasi yang telah diimplementasikan;
Requirement untuk kebutuhan aplikasi.
f. Membuat Business Analysis untuk aplikasi yang sedang dikembangkan yaitu Funding, Lending,
dan MIS;
a. Coordinating IT with users in terms of users’ IT
g. Menjembatani kebutuhan end user dengan Unit Kerja TSI (Pengembangan);
needs (software, hardware, and communication h. Memastikan bahwa project cost mengikuti ketentuan dan peraturan yang berlaku;
networks); i. Membuat dokumen scope of work (SOW) atau functional specification design (FSD) atas project
b. Monitoring the project being developed; and pengembangan aplikasi;
c. Helping users to develop Business Requirements j. Membantu monitoring operasional terhadap delivery channel (IB/MB dan ATM);
for application needs. k. Membantu menyusun SOP terhadap kebijakan system development live cycle (SDLC); dan
l. Melakukan tugas-tugas lainnya yang diberikan oleh atasan.
a. Monitoring the process of User Acceptance Test (UAT);
b. Provide approval/confirmation on the readiness of the application to be handed over to the User;
c. Pitching technology and prices/costs of the project to be implemented;
d. Ensuring adequate application security, user access rights, and user access control;
e. Performing Post Implementation Review (PIR) on applications that have been implemented;
f. Creating Business Analysis for applications that are being developed by Funding, Lending, and
MIS;
g. Bridging End User needs with the TSI Work Unit (Development);
h. Ensuring that project costs follow the applicable provisions and regulations;
i. Creating a scope of work (SOW) document or functional specification design (FSD) for an
application development project;
j. Assisting Operational monitoring of Delivery channels (IB/MB and ATM);
k. Helping to compile an SOP on SDLC policies; and
l. Carrying out other tasks given by superiors.

Fungsi Uraian Tugas

IT Operation
Mengkoordinir, mengatur, mengamati dan a. Bidang Infrastruktur

mengawasi secara intensif segala kegiatan di bidang • Bertanggung jawab atas infrastruktur dan jaringan seluruh cabang;
Teknologi Sistem Informasi. • Menyiapkan hardware untuk setiap pembukaan kantor baru (kantor cabang, kantor cabang
Coordinating, regulating, monitoring, and pembantu, dan kantor kas);
supervising intensively all activities in the field of • Melakukan proses pemeliharaan berkala (maintenance) atas peralatan TI;
Information System Technology. • Melakukan koordinasi dengan pihak vendor serta bagian hardware untuk perbaikan atas
kerusakan peralatan TI;
• Melakukan koordinasi dengan pihak vendor serta bagian jaringan untuk pihak ketiga atas
kerusakan;
• Menyusun technical specification dari hardware dan jaringan untuk secara optimum menjawab
kebutuhan bisnis;
• Membuat capacity planning terhadap hardware dan jaringan;
• Membantu dalam perbaikan jaringan apabila diperlukan;
• Melakukan continuous monitoring atas kualitas hardware dan jaringan yang ada serta biaya
yang dikeluarkan;
• Bertanggung jawab menyiapkan business continuity plan (BCP) atas seluruh jaringan yang ada.
b. Bidang Operation
• Membantu supporting data core untuk kebutuhan MIS business;
• Memantau capacity plan dan kinerja dari server, router, hardware serta jaringan yang ada di
dalam data center;
• Bertindak sebagai contact untuk segala masalah terkait hardware, software, dan jaringan yang
dialami oleh user;
• Memberikan post-implementation support;
• Bertanggung jawab atas deployment segala macam hardware dan software yang ada didalam
data center;
• Secara berkala melakukan pengawasan back-up terhadap database yang ada di data center;
• Melakukan pengawasan atas akses keluar masuk data center, serta memastikan hanya
authorised personnel yang dapat memasuki data center;
• Membantu sebagai user request terkait aplikasi core banking dan melakukan test system core;
• Melakukan manual intervention untuk proses download dan upload data antarsistem yang
belum bisa dilakukan secara otomatis;
• Melakukan fungsi database administration pada aplikasi dan user administrator system;
• Membantu solving problem terhadap sistem dan aplikasi pada production; dan
• Sebagai single contact first layer support.
c. Bidang Security
• Memastikan bahwa data center mematuhi segala ketentuan yang berlaku terkait IT security;
• Melakukan pengawasan atas akses keluar masuk data, serta memastikan hanya authorised
personnel dalam aplikasi production;
• Melakukan monitoring terhadap aplikasi yang berjalan sesuai dengan standarisasi TI;
• Memberikan input/masukan kepada tim operasi dan bisnis untuk perbaikan data;
• Melakukan review terhadap perangkat personal computer atau peripheral lainnya;
• Melakukan fungsi user administrator pada aplikasi;
• Melakukan review keamanan terhadap perangkat personal computer atau peripheral lainnya;
serta
• Membuat capacity planning terhadap keamanan software, hardware, serta jaringan.
a. Infrastructure Sector
• Responsible for the infrastructure and network of all Branches;
• Set up hardware for each new office opening (branch offices, sub-branch offices, and cash
offices);
• Conduct periodic maintenance processes for IT equipment;
• Coordinate with the vendor and the Hardware section for IT equipment repairs;
• Coordinate with the vendors and the Network section for third parties for damage repairs;
• Arrange technical specifications of hardware and networks to optimally answer business
needs;
• Create capacity planning for hardware and network;
• Help in network repair if needed;
• Conducting continuous monitoring of the existing hardware and network quality and costs
incurred; as well as
• Responsible for preparing BCP (Business Continuity Plan) for all existing networks.
b. Operations Sector
• Help supporting core data for MIS business needs, Monitor the capacity plan and performance
of servers, routers, hardwares, and networks in the Data Center;
• Act as a contact for all problems related to hardware, software, and networks experienced by
users;
• Provide post-implementation support, Responsible for the deployment of all kinds of hardware
and software in the Data Center;
• Periodically supervise database back-up in the data center;

Fungsi Uraian Tugas

• Supervise access of entry and exit to and from the data center. and ensure that only authorized
personnel can enter the Data Center;
• Assist as user requests related to core banking applications and perform core system tests;
• Perform manual intervention for the process of downloading and uploading data between
systems which cannot be done automatically;
• Perform database administration functions on applications and user administrator system;
• Help solving problems with systems and applications in production; and
• As single contact first layer support.
c. Security Sector
• Ensure that the data center complies with all applicable provisions related to IT security;
• Supervise access of data entry and exit. And ensure that only authorized personnel in the
production applications;
• Monitor applications that are in accordance with IT standards;
• Provide input/suggestion to the Operations and Business team for data repairs;
• Review PC devices or other peripherals;
• Perform administrator user functions on the application;
• Perform security review on PC devices or other peripherals; as well as
• Preparing capacity planning for software, hardware, and network security.
Profil Kepala Divisi Information Technology Profile of Information Technology Division Head
Divisi Information Technology dipimpin oleh Yohanes Robby The Information Technology Division is led by Yohanes Robby
Yuwono. Profil Kepala Divisi Information Technology telah dimuat Yuwono. The profile of the Information Technology Division Head
dalam pembahasan Profil Manajemen Eksekutif pada bab Profil has been included in the Executive Officer’s Profiles discussion in
Perusahaan dalam Laporan Tahunan ini. the Company Profile chapter of this Annual Report.
Tata Kelola Teknologi Informasi Information Technology Governance

Teknologi informasi (TI) merupakan aset yang berharga bagi Bank Information technology (IT) is a valuable asset for the Bank in
dalam meningkatkan efisiensi kegiatan operasional dan mutu improving the efficiency of operational activities and service
pelayanan kepada nasabah. Oleh karena itu, Bank melaksanakan quality to customers. Thus, the Bank implements IT governance
tata kelola TI (IT Governance) sebagai suatu hubungan pengelolaan as a relationship of leadership management, organizational
kepemimpinan, struktur organisasi, serta proses-proses yang structure, and sustainable processes to ensure that IT
berkelanjutan untuk memastikan bahwa organisasi TI selaras organizations are aligned with the Bank’s business strategies
dengan strategi dan tujuan bisnis Bank. Pelaksanaan tata and objectives. The implementation of IT governance is not only
kelola TI tidak hanya menjadi tanggung jawab Divisi Information the responsibility of Information Technology Division, but also all
Technology, namun juga seluruh pihak yang menggunakan. parties who use it.
Dalam melaksanakan tata kelola TI, Bank memperhatikan In implementing IT governance, the Bank considers the balance
keseimbangan antara aspek people, process, dan technology. between people, process, and technology aspects. The balance
Keseimbangan antar aspek tersebut termuat dalam kebijakan, between these aspects is contained in IT policies, standards, and
standar, dan prosedur penggunaan TI, termasuk pedoman manajemen procedures, including risk management guidelines in IT use, in
risiko dalam penggunaan TI, sesuai dengan Peraturan Otoritas Jasa accordance with the Financial Services Authority Regulation No.
Keuangan No. 38/POJK.03/2017 tentang Penerapan Manajemen 38/POJK.03/2017 on Implementation of Risk Management in the
Risiko dalam Penggunaan Teknologi Informasi oleh Bank Umum. Use of Information Technology for Commercial Bank.
Rencana Strategis Tata Kelola Teknologi Informasi Strategic Plan of Information Technology
Governance
Sebagai bagian dari pelaksanaan tata kelola TI, Bank menyusun As part of the implementation of IT governance, the Bank develops
Rencana Strategis Teknologi Informasi sesuai arahan Peraturan an Information Technology Strategic Plan under the direction of
Otoritas Jasa Keuangan dan IT Governance Framework yang the Financial Services Authority Regulation and IT Governance
dimuat dalam Control Objectives for Information and Related Framework contained in the Control Objectives for Information
Technology (COBIT), yang menyatakan pentingnya memiliki and Related Technology (COBIT), which states the importance of
keselarasan dengan strategi bisnis. Rencana Strategis Teknologi being aligned with business strategy. Bank Victoria’s Strategic
Informasi Bank Victoria ditunjukan sebagai berikut. Information Plan is shown below.

Skema Rencana Strategis Tata Kelola, Risiko dan Organisasi Teknologi Informasi
Chart of Strategic Plan for Governance, Risk, and Information Technology Organization
• Project Management • Financial Management

• SLA and OLAID Management • Access Control
• Policy and Procedure • Roles
• Business Continuity • Risk Awareness Program
• ID Management Plan ID IT Risk • IT Security
Management
IT Governance and
Compliance
IT Organization
• End User Computing

• Capacity and Capability
• Risk Assessment
Skema Rencana Strategis Operasional Teknologi Informasi

Chart of Strategic Operation of Information Technology Plan
1. Meningkatkan layanan, manajemen dan perbaikan proses layanan dengan

aplikasi helpdesk,
2. Meningkatkan dan memudahkan pemantauan terhadap Operasional Level
Aggrement (OLA) antara IT dan External (Vendor), dan
3. Untuk peningkatan SLA antara IT dan Pengguna (User). 1. Meningkatkan layanan, manajemen
dan perbaikan proses layanan
1. Improving services, management, and improvement of service process dengan aplikasi helpdesk,
with helpdesk application, 2. Perbaikan proses Sistem
2. Improving and facilitating the monitoring of Operational Level Agreement Development Life Cycle (SDLC), serta
(OLA) between IT and External (Vendor), and 3. Melakukan Standarisasi proses
3. Improving SLA between IT and User. permintaan layanan (Service
Request) dengan metode change
management yang baku.
1. Improving services, management,
Service Planning yakni mengamati and improvement of service process
Service Management
secara teratur untuk melakukan with helpdesk application,
perencanaan kapasitas sistem sesuai 2. Improving System Development
dengan pertumbuhan bisnis Bank, Life Cycle (SDLG) process, as well
sehingga mencapai kegunaan yang as
maksimal didalam sistem. 3. Standardizing Service Request
Service Management
Managing Change
Service Planning is to monitor process with standardized change

Office Automation
regularly the system plan in management method.
Service Planning
Infrastructure
accordance with the Bank’s business
Disaster Recovery
growth, so as to achieve maximum Infrastructure
utilization in the system. Data Center
Infrastructure
Network and
Infrastructure
IT Operation memiliki manajemen yang handal dan
responsif, untuk mendukung peningkatan layanan
kepada pengguna (unit bisnis). Dengan memiliki
infrastruktur TI yang available dan reliable dalam proses Network and Infrastructure
operasional, sehingga tercipta:
1. Peningkatan SLA kepada BU (Bisnis Unit),
2. Mengurangi risiko operasional,
3. Meningkatkan sistem layanan kepada cabang, dan
4. Peningkatan bisnis proses kepada bisnis unit.
IT Operation has a reliable and responsive management 1. Memelihara dan menyelesaikan infrastruktur saat Data Center (DC) dan Disaster Recovery
to support services improvement of to users (business Center (DRC),
units). By having available and reliable IT infrastructure 2. Melakukan real-time monitoring pada semua sistem infrastruktur dan jaringan, dan
in its operational process, the following matters can be 3. Melakukan pengukuran performance dan availability infrastruktur yang tersentralisasi.
created: 1. Maintaining and completing infrastructure of Data Center (DC) and Disaster Recovery
1. Improving SLA to BU (Business Units), Center (DRC),
2. Reducing operational risk, 2. Performing real-time monitoring on all infrastructure and network systems, and
3. Improving service system to branches, and 3. Conducting performance measurement and availability of centralized
4. Improving business processes to business infrastructure.
units.

Skema Rencana Strategis Keamanan Teknologi Informasi

Chart of Information Technology Security Strategic Plan
Current Security Management Targer Security Management
Tidak sentralisasi Securty monitoring Targer Security Management

Security Admin investigasi Security Admin Target Security Management
Not centralizing the Security
Monitoring investigation Memiliki aplikasi monitoring and
performance user
Physical Environment Tidak memiliki aplikasi monitoring user Physical Environment Having monitoring application and
Not having monitoring user application performance user
DC/DR tidak memiliki access control

Application secara sentralisasi perangkat dan
Application DCOR memiliki access control secara
Security Operation
Security Operation
sentralisasi perangkat dan hanya
Security Audit
Security Audit
hanya menggunakan tog book
DC/DR does not have centralized menggunakan log book
access control device and only uses DCOR has centralized access control
log book device and only uses log book
Tidak memiliki sentralisasi aplikasi Memilik sentralisasi aplikasi motoring

Database monitoring dan semua port kebuka Database
dan semua port tebuka
Not having centralized monitoring Having centralized monitoring
application and all ports are open application and all ports are open
Tidak memiliki standarisas DB dan Memiliki standarisasi DB dan Control

Control Having standardized DB and Control
Not having standardized DB and
Operating System Control Operating System Pembatasan user akses server/ tidak
sentralisasi monitoring
Tidak ada pembatasan user/akses Limitation of server access users/not
server tidak sentralisasi monitoring centralizing the monitoring
No limitation of users/server access
not centralizing the monitoring Pentest dan VA setiap tahun
Pentest and VA every year
Hardware Tidak Pentest dan VA
Hardware
No Pentest and VA Di network tada firewal dan
sentralisasi monitoring
Di network, tidak ada frewal dan tidak In network, there is firewall and
sentralisasi motoring centralized monitoring
In Network, there is no firewall and no
centralized monitoring Rutin sosialisasi program kesadaran
Network Network
keamanan
Kurangnya sosialisasi program Routine dissemination of the security
kesadaran awareness program
Lack of dissemination of the Security
awareness program
Kebijakan dan prosedur selalu di
tinjau dan diperbarui
Policy & Standard Security Awareness Kebijakan dan prosedur sangat terbatas Policy & Standard Security Awareness
Policies and procedures are always
Very limited policies and procedures reviewed and updated
> Investasi terbatas untuk infrastruktur keamanan > Akan melakukan secara aktif dan regular untuk penerapan VA dan pentester
> IT Security hanya fokus pada perbaikan infrastruktur > Melakukan investasi untuk perbaikan infrastruktur
> Kurangnya program kesadaran keamanan > Peningkatan prosedur keamanan yg komprehensif dan sesuai dengan standard
> Minimnya keterlibatan IT Section dalam proses pengembangan aplikasi baru SOP kemanan yg sudah ditentukan
> Limited investment in security infrastructure > Akan melakukan program kesadaran keamanan yang terintegrasi dan terpadu
> IT Security only focuses on improving infrastructure serta melakukan penegakan kesadaran prosedur keamanan
> Lack of security awareness program > IT Section akan dilibatkan dalam proses pengembangan aplikasi baru
> Lack of IT Section involvement in the process of developing new applications > Will actively and regularly implement VA and pentester
> Invest in infrastructure improvement
> Enhanced security procedures that are comprehensive and in accordance with
the predetermined security SOP standards
> Will carry out integrated and unified security awareness programs and enforce
awareness of security procedures
> IT Section will be involved in the process of developing new applications
Penerapan Manajemen Risiko dalam Implementation of Risk Management In

Penggunaan Teknologi Informasi the Use of Information Technology
Penggunaan TI dalam kegiatan operasional Bank juga dapat The use of IT in the Bank’s operational activities may also increase
meningkatkan risiko yang dihadapi. Oleh karenanya, diperlukan the risks faced. Therefore, effective risk management is required.
penerapan manajemen risiko secara efektif. Penerapan The implementation of risk management in the use of IT is done
manajemen risiko dalam penggunaan TI dilakukan melalui 4 aspek through 4 aspects described as follows.
yang dijelaskan sebagai berikut.
Pengawasan Aktif Direksi dan Dewan Komisaris Active Monitoring of Board of Directors and Board
of Commissioners
Penggunaan TI di Bank memerlukan pengawasan aktif Dewan The use of IT in the Bank requires active supervision of the Board
Komisaris dan Direksi beserta organ pendukung masing-masing. of Directors and Board of Commissioners and their respective
Terkait hal ini, Bank telah menetapkan wewenang dan tanggung supporting organs. In this regard, the Bank has established clear
jawab yang jelas untuk masing-masing pihak tersebut. power and responsibilities for each of these parties.
1. Dewan Komisaris 1. Board of Commissioners
Memiliki wewenang dan tanggung jawab untuk: Has authority and responsibilities to:

a. Mengevaluasi, mengarahkan, dan memantau Rencana a. Evaluate, direct, and monitor the Information Technology
Strategis Teknologi Informasi dan kebijakan Bank terkait Strategic Plan and Bank policies related to IT use;
penggunaan TI; dan and
b. Mengevaluasi pertanggungjawaban Direksi atas penerapan b. Evaluate the Board of Directors’ accountability for the
manajemen risiko dalam penggunaan TI. implementation of risk management in the use of IT.
2. Direksi 2. Board of Directors

Memiliki wewenang dan tanggung jawab untuk: Have authority and responsibilities to:
a. Menetapkan Rencana Strategis Teknologi Informasi dan a. Establish the Information Technology Strategic Plan and
kebijakan Bank terkait penggunaan TI; Bank policies related to the use of IT;
b. Menetapkan kebijakan, standar, dan prosedur b. Establish adequate IT policies, standards, and
terkait penyelenggaraan TI yang memadai dan procedures and communicate them effectively, both
mengkomunikasikannya secara efektif, baik pada Divisi to the Information Technology Division and to the IT
Information Technology maupun pengguna TI; users;
c. Memastikan: c. Confirm:
1) TI yang digunakan Bank dapat mendukung 1) IT used by the Bank can support business development
perkembangan usaha dan pencapaian tujuan bisnis, and achievement of business objectives, and service
serta kelangsungan pelayanan terhadap nasabah continuity to the Bank’s customers;
Bank;
2) Terdapat kegiatan peningkatan kompetensi human 2) There are activities to increase the competence of
capital yang terkait dengan penyelenggaraan dan human capital related to the implementation and use
penggunaan TI; of IT;
3) Ketersediaan sistem pengelolaan pengamanan 3) Availability of effective information security
informasi yang efektif dan dikomunikasikan kepada management system and communicated it to
Divisi Information Technology maupun pengguna the Information Technology Division as well as IT
TI; users;
4) Penerapan proses manajemen risiko dalam 4) The implementation of risk management process in
penggunaan TI dilaksanakan secara memadai dan the use of IT is adequate and effective;
efektif;
5) Kebijakan, standar, dan prosedur TI diterapkan 5) IT policies, standards, and procedures are effectively
secara efektif pada Divisi Information Technology implemented in the Information Technology Division
maupun pengguna TI; dan and IT users; and
6) Terdapat sistem pengukuran kinerja proses 6) Performance measurement system of IT
penyelenggaraan TI. implementation process is available.
Terkait hal ini, Direksi memiliki Komite Teknologi Informasi yang In this regard, the Board of Directors have an Information
berperan dalam memberikan rekomendasi kepada Direksi terkait Technology Committee in charge of providing recommendations
seluruh aspek tata kelola TI dan penerapan manajemen risiko to the Board of Directors regarding all aspects of IT governance
dalam penggunaan TI. and implementation of risk management in the use of IT.
Kecukupan Kebijakan, Standar, dan Prosedur Adequate Policy, Standards, and Procedures of
Penggunaan Teknologi Informasi Use of Information Technology
Bank memiliki kebijakan, standar, dan prosedur penggunaan TI The Bank has policies, standards, and IT usage procedures
yang khususnya dimuat dalam Kebijakan TSI yang telah disahkan specifically contained in TSI Policies ratified by Board of Directors’
melalui Surat Keputusan Direksi No.005/SK-DIR/09/18 tanggal Decree No.005/SK-DIR/09/18 dated 28 September 2018 on
28 September 2018 tentang Pedoman Manajemen Teknologi Management Guidelines of Information System Technology. The
Sistem Informasi. Kebijakan tersebut telah diterapkan secara policy has been applied consistently and constantly reviewed
konsisten dan senantiasa ditinjau kembali untuk memastikan to ensure compliance with the Bank’s business operations and
kesesuaiannya dengan perkembangan usaha Bank dan perubahan changes to the prevailing regulations. The policy covers aspects
peraturan yang berlaku. Kebijakan ini meliputi aspek manajemen, of management, development and procurement, IT operations,
pengembangan dan pengadaan, operasional TI, jaringan communications networks, information security, disaster
komunikasi, pengamanan informasi, rencana pemulihan bencana, recovery plans, electronic banking services, use of IT service
layanan perbankan elektronik, penggunaan pihak penyedia jasa providers, and IT services provision.
TI, serta penyediaan jasa TI oleh Bank.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Process of Risk Identification,

Pemantauan dan Pengendalian Risiko Penggunaan Measurement, Monitoring, and Management of the
Teknologi Informasi Use of Information Technology
Bank memiliki kebijakan, standar, dan prosedur atas proses The Bank has policies, standards, and procedures on IT risk
manajemen risiko TI yang dimuat dalam Kebijakan TSI yang telah management process contained in TSI Policies ratified by Board of
disahkan melalui Surat Keputusan Direksi No.005/SK-DIR/09/18 Directors’ Decree No.005/SK-DIR/09/18 dated 28 September 2018

tanggal 28 September 2018 tentang Pedoman Manajemen on Management Guidelines of Information System Technology.
Teknologi Sistem Informasi. Berdasarkan kebijakan tersebut, Under such policy, the Bank ensures the continuity and stability
Bank memastikan kelangsungan dan kestabilan operasional of IT operations, as well as mitigates risks that may potentially
TI, serta memitigasi risiko yang berpotensi dapat mengganggu disrupt the Bank’s operational activities. Bank also conducts
kegiatan operasional Bank. Bank juga melakukan langkah-langkah control measures to ensure that the communication networks
pengendalian agar jaringan komunikasi yang disediakan Bank provided by the Bank meet the principles of confidentiality,
memenuhi prinsip kerahasiaan, integritas, dan ketersediaan. integrity, and availability.
Sistem Pengendalian Internal atas Penggunaan Internal Control System for the Use of Information
Teknologi Informasi Technology
Bank melaksanakan pengendalian internal terhadap seluruh The Bank exercises internal control over all aspects of IT usage
aspek penggunaan TI melalui audit rutin oleh Divisi Audit Internal/ through regular audits by the Internal Audit/Integrated and Anti
Integrated and Anti Fraud. Pada tahun 2019, terdapat 16 temuan Fraud Division. In 2019, there were 16 IT-related findings, among
terkait TI antara lain: others:
1. Pengembangan untuk Project Front End; 1. Development for Project Front End;
2. Nama personil pada dokumen Struktur Organisasi Divisi IT 2. Name of personnel in IT Division's Organizational Structure
yang belum di-update; document that has not been updated;
3. Perbedaan antara dokumen job desc Divisi IT dengan 3. Difference between IT Division job desc document and duty
pelaksanaan tugas; implementation;
4. User otorisator maintenance IT yang dapat menjalankan 4. IT maintenance authorization user who can carry out user
fungsi user pemeliharaan dan input; maintenance and input functions;
5. Belum terdapat surat penunjukan untuk pemegang kunci dan 5. There is no letter of appointment for the holders of key and
kartu Host Security Module (HSM) Sigma BSD dan Senayan; cards of Host Security Module (HSM) Sigma BSD and Senayan;
6. Terdapat user Alphabits yang masih aktif, meskipun karyawan 6. There are Alphabits users who are still active, even though
yang bersangkutan tersebut sudah resign; the related employee has resigned;
7. Pemberian user name Alphabits belum sesuai dengan nama 7. The granting of Alphabits user name does not match the
asli pemegang user; original name of user holder;
8. Perlu dilakukan pengkinian Dokumen Surat Keputusan Direksi 8. Need to update the Document of Board of Directors’ Decision
No. 009/SK-DIR/09/19 tentang UAM Aplikasi Core Banking Letter No. 009/SK-DIR/09/19 on UAM Alphabits Core Banking
Alphabits karena: Application because:
a. Belum dilengkapi dengan Grup menu EDP cabang; dan a. Not yet equipped with Group menu of branch’s EDP; and
b. Penamaan divisi operation masih menggunakan penamaan b. Name of the operation division still uses the old division
divisi lama (Central Operations and Internal Control Division). name (Central Operations and Internal Control Division).
9. SOP ACS dan Security No. 11/SK-DIR/05/19, belum memuat 9. SOP of ACS and Security No. 11/SK-DIR/05/19 does not
ketentuan dengan lengkap terkait pengaturan akses display contain complete provisions related to the display as 400
as 400 untuk kode display D18* dan kode display lengkap access settings for D18* display code and complete display
contoh: D18001KO04; code for example: D18001KO04;
10. Divisi IT belum membuat data log problem EDC dan log hanya 10. The IT Division has not created data log of EDC problem and
berdasarkan data dari log vendor; logs are only based on data from vendor log;
11. Berdasarkan kunjungan ke data center Telkom Sigma 5 11. Based on a visit to Telkom Sigma data center on 5 November
November 2019, peletakan posisi APAR pada ruang genset 2019, APAR is placed in the generator room on the floor, which
di lantai dan belum sesuai dengan ketentuan berlaku (15 is not in accordance with the applicable regulations (15 cm
cm atau 125 cm dari atas lantai), serta ruang Meetme Room or 125 cm above the floor), as well as the temperature in the
(Network) pada pusat data suhu terasa hangat dan tidak ada Meetme Room (Network) at the data center was warm and no
thermometer; thermometer;
12. Log Problem Alphabits bulan Mei 2019 dari vendor ditemukan 12. The Alphabits Log Problem in May 2019 from the vendor was
log tercampur dengan log problem BVIS; mixed with BVIS log problems;
13. Berdasarkan pemeriksaan penyimpanan terakhir source 13. Based on the latest source code storage check, it was found
code, ditemukan: that:
a. Bank belum memastikan source code yang disimpan di a. The Bank has not confirmed that the source code stored
tempat penyimpanan merupakan versi terkini; in the deposit box is the latest version;
b. Berita acara penyimpanan source code aplikasi b. The minutes of Fingerprint application source code
Fingerprint belum dicatat; dan storage have not been recorded; and
c. Belum dilakukan penyimpanan source code karena belum c. Source code has not been stored because there is no PKS
terdapat PKS penyimpanan source code untuk aplikasi IB for source code storage for IB Business applications and
Bisnis dan PSAK 50. PSAK 50.
14. Pada permintaan data terdapat dokumen yang belum selesai 14. On the data request, there are documents that have not
diperbaharui yaitu addendum ITM dan SOP IT Operasional yet been updated, which are ITM addendum and SOP of IT
management (vendor dan BVIC); Operations management (vendor and BVIC);
15. Dokumen DRP pada SOP BCM No. 003/SK-DIR/11/16 belum 15. DRP document on BCM SOP No. 003/SK-DIR/11/16 has not
di-update untuk point 7.4.2. untuk jaringan komunikasi masih been updated for point 7.4.2. for communication networks,

menggunakan dial up, saat ini jaringan backup menggunakan which were still using dial up, currently the backup network
VPN; dan uses VPN; and
16. Informasi saldo semua teller (TT02C) masih belum dipisahkan 16. The balance information of all tellers (TT02C) is still not
user yang aktif dan non aktif, sehingga pada saat inquiry separated by active and non-active users, so at the time
seluruh user ditampilkan oleh sistem, seperti: MDHANI, of inquiry all users are displayed by the system, such as:
DanielBudi, Andrew, Idoresign. MDHANI, DanielBudi, Andrew, Idoresign.
Berdasarkan 16 temuan tersebut telah ditindaklanjuti oleh Audit Based on these 16 findings, there have been a follow up by the
dan semua temuan telah diselesaikan. Audit and all findings have been resolved.
Pengembangan Teknologi Informasi Information Technology Development

Tahun 2019 in 2019
Seiring dengan pengembangan bisnis, Bank Victoria terus Along with business development, Bank Victoria continues to
membangun sistem teknologi informasi yang terkini dan sejalan build the latest information technology system that is in line with
dengan bisnis Bank. Pengembangan tersebut diharapkan the Bank's business. The development is expected to provide
dapat memberikan kemudahan akses, keamanan bertransaksi, easy access, transaction security, to help back office services
membantu layanan back office dalam mendukung operasional in supporting the Bank's business operations, and to provide
bisnis Bank, serta dapat memberikan efisiensi biaya operasional operational cost efficiency in supporting the Bank's more
dalam mendukung ekspansi bisnis Bank yang lebih agresif. aggressive business expansion.
Bank Victoria telah melakukan pengembangan TI untuk mendukung Bank Victoria has developed IT to support the customer
customer experience dalam meningkatkan layanan nasabah dan experience in improving customer service and bringing the
mendekatkan Bank kepada nasabah. Pengembangan tersebut Bank closer to the customer. The development is carried out
dijalankan oleh Divisi Teknologi Informasi dengan membangun sistem by the Information Technology Division by building a better Call
Call Center yang lebih baik dan dilengkapi dengan teknologi Interactive Center system, equipped with Interactive Voice Response (IVR)
Voice Response (IVR) dengan fitur yang memudahkan nasabah untuk technology with features that make it easy for customers to make
melakukan perubahan PIN ATM oleh nasabah sendiri dan mengetahui changes to the ATM PIN by themselves and find out the latest
mutasi transaksi terakhir, yang dilengkapi dengan teknologi recording transaction activities, which are equipped with better recording
system yang lebih baik. Hal ini bertujuan untuk memudahkan nasabah system technology. This aims to facilitate customers in increasing
dalam meningkatkan keamanan kartu ATM dan bertransaksi. the security of ATM cards and transactions.
Dalam meningkatkan security awareness dan sejalan dengan In increasing security awareness and in line with the plans of the
rencana badan regulator bank sentral, Divisi Teknologi Informasi central bank's regulatory body, the Information Technology Division
sudah melakukan upgrading sistem kartu ATM yang dahulu berbasis has upgraded the ATM card system that used to be Magnetic-based
Magnetic menjadi Chip (EMV). Terkait dengan security awareness, to Chip-based (EMV). Related to security awareness, the Bank has
Bank sudah melakukan sertifikasi pengujian infrastruktur, aplikasi carried out certification testing of infrastructure, applications,
dan jaringan, baik internal maupun eksternal dengan melakukan and networks, both internal and external by conducting
PENTEST termasuk REMEDIASI secara reguler dari tahun ke tahun PENTEST including REMEDIATION regularly from year to year by
oleh pihak ketiga yang independen dan tahun-tahun selanjutnya, independent third party and in subsequent years, this is to ensure
hal ini untuk meyakinkan bahwa infrastruktur, aplikasi, dan jaringan that infrastructure, applications, and network of Bank Victoria
Bank Victoria sudah memiliki tingkat keamanan yang baik dan already has a good level of security and is in line with central bank
sejalan dengan aturan kebijakan regulator bank sentral. regulatory policy regulations.
Uraian pengembangan TI yang telah dilaksanakan Bank Victoria A description of the IT development that was carried out by Bank
selama tahun 2019 sebagai berikut. Victoria during 2019 is as follows.
Aplikasi
User Target
Application
Internet Banking Bisnis Product Triwulan 2 / Quarter 2
Smart Spend Reward Product Triwulan 1 / Quarter 1
New Corporate Website Marcom Triwulan 1 / Quarter 1
Server Core Banking Migration All Banking Triwulan 2 / Quarter 2
E-Learning on VicSmart HCM Triwulan 3 / Quarter 3
Enhancement Regulatory Report Bank Indonesia-Otoritas Jasa Keuangan

Repot Division Triwulan 1 /Quarter 1
Enhancement Regulatory Report of Bank Indonesia-Financial Services Authority
Visi App Fase 2

SKMR Triwulan 3 / Quarter 3
Visi App Phase 2

Aplikasi
User Target
Application
Call Center Information Operation Triwulan 3 / Quarter 3
Enhancement IBMB (VSI Feature) Product Triwulan 4 / Quarter 4
Otomasi Operation Fase 1 (Tax Report)

Operation Triwulan 4 / Quarter 4
Automation of Phase 1 Operation (Tax Report)
Secara khusus, di tahun 2019, Bank mengembangkan teknologi In particular, in 2019, the Bank developed information system
sistem informasi dan infrastruktur pendukung kegiatan usaha technology and infrastructure to support business activities in
dalam transaksi valuta asing Bank Victoria yang meliputi: Bank Victoria foreign exchange transactions which included:
1. Teknologi sistem informasi Alphabits Core Banking System; 1. Alphabits Core Banking System information system technology;
2. Sistem aplikasi Matairsys, Bloomberg, dan Reuters untuk 2. Matairsys, Bloomberg, and Reuters application system to support
mendukung kegiatan usaha valuta asing di Divisi Treasury; foreign exchange business activities in the Treasury Division;
3. Berlangganan Society Worldwide Inter Bank Financial 3. Subscribe to Society Worldwide Inter Bank Financial
Telecommunication (SWIFT) dengan kode BVICIDJA sebagai Telecommunication (SWIFT) with the code BVICIDJA as a
sarana untuk kegiatan usaha treasury, remittance/transfer, means for treasury business activities, remittance/transfer,
export, import, dan kegiatan valuta asing lainnya; dan export, import, and other foreign exchange activities; and
4. Sistem informasi akuntansi yang digunakan adalah sesuai 4. The accounting information system used is in accordance
dengan Pedoman Standar Akuntansi Keuangan (PSAK). with the Financial Accounting Standards Guidelines (PSAK).
Penggunaan Dana Dalam Pengembangan Sistem Use of Fund in Developing Information Technology
Teknologi Informasi System
Bank Victoria secara berkelanjutan melakukan pemeliharaan dan Bank Victoria continuously maintains and upgrades its
pemuktahiran aplikasi dan sistem untuk menopang infrastruktur applications and systems to support more modern technology
teknologi dan sistem informasi yang lebih modern. Hal tersebut infrastructure and information system. This is performed as
dilakukan sebagai langkah pengembangan atas infrastruktur a development step of IT system infrastructure. Below are
sistem TI. Berikut rincian penggunaan dana modal dalam details of the use of capital funds in IT system infrastructure
pengembangan infrastruktur sistem TI di tahun 2019. development in 2019.
Uraian Biaya (Rp)

Description Cost (Rp)
Hardware 208,960,000
Software 1,543,062,000
Maintenance H/W 595,789,834
Maintenance S/W 2,498,452,829
License 1,005,488,720
Manage Service 1,382,700,000
Vapt 328,600,800
Link 2,885,802,852
Total 10,448,857,035
Rencana Pengembangan Sistem Informasi Management Information System

Manajemen Development Plan
Pengembangan fungsi sistem informasi manajemen (MIS/ The development of the management information system (MIS)
Management Information System) merupakan landasan dasar function is the basic foundation in every future strategic decision
dalam setiap pengambilan keputusan strategis Bank kedepan. making of the Bank. In general, MIS functions can be divided into
Secara umum fungsi MIS ini dapat dibedakan menjadi 2 (dua), 2 (two), which are for the purpose of meeting banking regulations;
yaitu untuk keperluan pemenuhan regulasi perbankan; dan untuk and for internal purpose related to management information
keperluan internal terkait sistem informasi manajemen. system.
Direksi dan Dewan Komisaris sepakat untuk membudayakan The Board of Directors and Board of Commissioners agreed to
sistem MIS sebagai salah satu faktor acuan dalam setiap cultivate the MIS system as one of the reference factors in every
pengambilan keputusan. Oleh karena itu, kualitas dan keakuratan decision making. Therefore, the quality and accuracy of financial

informasi laporan keuangan memiliki peran yang amat krusial, statements information have a very crucial role for consumption
baik untuk konsumsi pihak intern maupun pihak eksternal. of both internal and external parties.
Untuk mengakomodasi hal tersebut, Divisi IT bersama Divisi To accommodate such matter, the IT Division with the relevant
yang terkait akan mengembangkan sistem MIS yang dapat Division will develop an MIS system that can accommodate the
mengakomodir kebutuhan laporan dalam satu skema laporan reporting needs in a central banking reporting scheme that can
central banking reporting yang dapat digunakan oleh pihak be used by regulators and internally. With such data warehouse
regulator dan maupun internal. Dengan adanya pengembangan development, all reports needed by the Division can be provided
data warehouse, seluruh laporan yang dibutuhkan oleh Divisi by the IT Division.
dapat disediakan oleh Divisi IT.
Selain hal tersebut, Bank juga akan membangun dan In addition to this matter, the Bank will also build and plan a long-
merencanakan proses IT strategic plan untuk jangka panjang yang term IT Strategic Plan that focuses on:
berfokus pada:
1. Meningkatkan aplikasi dan infrastuktur Bank untuk 1. Updating Bank applications and infrastructure to support
mendukung kebutuhan bisnis; business needs;
2. Menjaga aplikasi dan infrastruktur serta security sesuai bisnis 2. Maintaining application, infrastructure, and security in
bank; accordance with the Bank's business;
3. Meningkatkan manajemen proyek berdasarkan System 3. Improving project management based on the System
Development Live Cycle (SDLC); dan Development Life Cycle (SDLC); and
4. Meningkatkan koordinasi dan komunikasi dalam 4. Improving coordination and communication in developing IT
pengembangan IT secara internal dan dengan pemangku internally and with Bank stakeholders.
kepentingan bank.
Roadmap Pengembangan Aplikasi dan Infrastruktur Tahun 2019-2021

Roadmap for Application and Infrastructure Development 2019-2021
Core Module
CF
Deposite
Loan
GL
E Cahnnel Notification E Cahnnel
Treasury and FX IB SMS Gateway RTGS SKN
MB Email Gatway ALTO/Prima
QRIS Merchant Chat Bot SWIFT

Ncore Module
Trade Fins POS Payment Social Media Billers Aggregator
AML
User Front End
Brach Data Warehouse

WMS
Operation Alphabit Core
Support Banking Sistem
CMS
System ITM
(BOSS) Middle Ware
TAX Card Management
Bills Pay
3th Party Data Work Flow
Installment
DHN/Black List Call Center
SLIK Loan Process

Management
FATCA
Security Module
Finger Print DUKCAPIL CIMSt
PIN Pad
Web Cam
Sign Pad
EDC

Core Module SMS KYC and 3rd Party Data ATM

Sys Front End NETWORK
Customer Handing
DHN FATCA CIF Ganda/KYC DUKCAPIL
System PRIMA
Finger Print
ALTO
SVS Product Management and Administration
Auto Debit Core Banking Alphabit
CIF
Treasury & FX Lending Transaction Sys
Sys Front End
Biller
Payment and Third Party Network

Funding
Integrated
Loan
Universal Middleware ITM/Switching

CMS FINNET
Digital Banking Collateral System
Trade Finance GL/Financial
SYB/PLN
MQ API Middleware
CIB
Non Core Banking
Mobile Banking MATAIRSYS GPN Card V-Plan Auto Recon PSAK 71

Clearing
NSICCS PSAK 50/55 Modulus 11 WMS PD Monitor Payment
Smart EDC
SKN
User Front End
E-Statement V Point FCS Deposit LOS Mobile Aprvl

AML
SmartSpend V Linit SID Loan MF/CH Forex LLD
Multi Platform MB
VSmart E-Doc SID RTGS
Broadcast mgmt
TAX
Workflow Infrastructures and Security
Reuters
Helpdesk Job Schedule SPLUNK Net monitor AppPerform HSM

Branchless
VA Bloomberg
Call Center VOIP Svr Consol FIREWALL
End Poin
Internet Banking Protection
Loan Process Office Data Encript
UTM Mail Secure MPN
Mgnt Automation
Mobile Banking
Monitoring & Reporting

Cash Delivery
ATM ALTO Intranet Data Staging and Data Warehouse

Portal
ATM Prima
SIEM
HRIS Regulatory Management
IVR DATA MART Query Accounting
Reporting LBU Support
Risk Mgnt
PLAN RENCANA
PLAN
ADA EXISTING

Strategi Pengembangan Teknologi Information Technology Development

Informasi Tahun 2020 Strategy in 2020
Perencanaan strategis IT dilakukan guna mendorong rencana IT strategic planning is carried out to encourage the bank’s
bisnis bank secara keseluruhan dalam memberikan dukungan business plan in overall in providing information technology
teknologi informasi. Pada tahun 2020, Bank berencana untuk support. In 2020, the Bank plans to develop the existing Module
melakukan pengembangan Module Loan yang ada saat ini dengan Loans with the need for more varied retail segmentation
kebutuhan perkembangan segmentasi retail yang lebih variatif. developments. This was done to support the Bank's business
Hal tersebut dilakukan guna mendukung bisnis bank yang berfokus which focuses on retail segment.
pada segmentasi retail.
Sejalan dengan hal tersebut, untuk menunjang kebutuhan bisnis In line with that matter, in order to support the Bank’s business
Bank dalam pengembangan usaha dan kegiatan "digital banking" requirement in developing its business and “digital banking”
Divisi IT melakukan pengembangan, yaitu: activities, the IT Division has made developments, among others:
1. Mengembangkan layanan dan produk retail melalui 1. Developing retail services and products through the
pengembangan aplikasi Retail Front End Apps untuk memberikan development of Retail Front End Apps application to provide
pilihan produk dan layanan kepada nasabah-nasabah yang ingin choices of products and services to customers who want to
menabung kepada produk dan layanan dengan teknologi GUI save in products and services with a more intuitive and user
yang lebih intuitive serta user friendly bagi pengguna; friendlier Graphical User Interface (GUI) technology;
2. Pengembangan Wealth Management System untuk 2. Developing a Wealth Management System to provide choices
memberikan pilihan layanan dan produk selain produk Bank of services and products other than Bank products (savings,
(tabungan, giro, deposito) untuk pilihan nasabah bertransaksi demand deposits, time deposits) to customers in making
atau menabung pada produk-produk, seperti produk transactions or saving in products such as using mutual fund
reksadana, produk pendapatan tetap, dan obligasi. products, fixed income products, and bonds.
3. Pengembangan akses digital pada layanan dan transaksi 3. Developing digital access to banking services and
perbankan pada mobile banking untuk memberikan kemudahan transactions in mobile banking to provide ease of banking
pelayanan dan transaksi perbankan kepada nasabah; services and transactions to customers;
4. Pengembangan aplikasi untuk screening KYC yang akan 4. Developing applications for KYC screening that will facilitate
memudahkan Bank melakukan verifikasi nasabah baik the Bank in verifying customer transactions, including Anti-
transaksi, termasuk pada tansaksi Anti Money Laundry (AML), Money Laundering (AML) transactions, so that all transaction
sehingga semua persyaratan limitasi transaksi, baik karena limitation requirements both because of customer profiles
profil nasabah maupun limitasi terkait peraturan akan dapat and limitations related to regulations will be able to be
dilakukan monitoring secara real time; monitored in real time;
5. Melakukan pengembangan untuk otomasi dan digitalisasi 5. Developing automation and digitization of documents
dokumen melalui implementasi E-Document dengan target through the implementation of E-Document with the initial
awal melakukan elektronifikasi dokumen kredit yang target of electronizing credit documents that is integrated
terintegrasi dengan proses LOS kredit; with the loan origination system (LOS) credit process;
6. Bank melakukan pengembangan proses flow kredit dengan 6. The Bank develops the credit flow process by making a
membuatkan form kredit secara elektronik (LOS/Loan Origination LOS form electronically, so that the credit process can be
System), sehingga dapat dipantau suatu proses kredit mulai dari monitored from the first day until the credit is decided to be
hari pertama hingga kredit diputuskan ditolak atau disetujui; rejected or approved;
7. Pengembangan model pembayaran, digital akusisi, edukasi 7. Development of payment model, digital acquisition,
dan literasi keuangan juga akan dilakukan untuk mendukung education and financial literacy will also be carried out to
model literasi keuangan, inklusi keuangan serta membantu support the financial literacy model, financial inclusion, while
melakukan efisiensi proses akusisi nasabah; helping to efficiently process customer acquisition;
8. Bank akan membuka settlement poin sebagai media untuk 8. The Bank will open settlement point as a media for payment
pembayaran transaksi pembelian/penjualan yang terjadi di merchant; of buying/selling transaction at merchant;
9. Bank juga melakukan pembaruan atas sistem Corebanking 9. The Bank also upgrades the Core banking system for future
untuk kebutuhan pengembangan bisnis kedepan. Seluruh business development needs. All modules related to product,
modul terkait produk, layanan, fitur, regulatory model, services, feature, regulatory model, reporting, acquisition,
pelaporan, akuisisi, dan pembayaran dapat mendukung and payment, can support the future business development.
pengembangan bisnis kedapan. Dengan melakukan mirroring By mirroring data against corebanking, it is expected that
data terhadap corebanking, sehingga mitigasi risiko operational risk mitigation be better;
operasional menjadi lebih baik;

10. Bank akan melakukan penerapan front end aplikasi untuk SKN 10. The Bank will implement a front end application for the
dan RTGS, sehingga dapat dilakukan monitoring untuk SLA National Clearing System (SKN) and Real Time Gross
terkait proses SKN dan RTGS, dengan metode STP/ Straight Settlement (RTGS), so that monitoring for Service-Level
Through termasuk otorisasi transaksinya akan menjadi lebih Agreements (SLA) related to SKN and RTGS process, with
baik; dan Straight Through (STP) methods, including the transaction
authorization will be better; and
11. Pengembangan data warehouse untuk mengkonsolidasi data 11. Developing data warehouse to consolidate data from the
dari sistem, sehingga mempermudah dalam menggali data system, making it easier to explore historical data and big
historis dan big data mining. data mining.
Selanjutnya, dalam meningkatkan security awareness dan Furthermore, in increasing security awareness and the
regulator bank sentral Divisi IT sudah melakukan pembaruan central bank's regulator, the IT Division has upgraded the
sistem kartu ATM dari yang berbasis magnetic ke berbasis Chip ATM card system from magnetic-based to chip-based (EMV).
(EMV). Terkait dengan security awareness, Bank sudah melakukan Regarding this security awareness, the Bank has performed
sertifikasi pengujian infrastruktur, aplikasi dan jaringan baik certification on the testing of infrastructure, application,
internal dan eksternal dengan melakukan penetration test and network, both internally and externally, by conducting
(pentest) termasuk remediasi secara reguler dari tahun ke tahun. penetration test (pentest), including regular remediation
Pentest termasuk remediasi dilakukan oleh pihak ketiga yang from year to year. Pentest, including the remediation, is
independen dan berbeda untuk menunjukan hasil referensi yang carried out by independent and different third parties to show
testing yang lebih komprehensif serta dilakukan pada tahun- the testing references results that are more comprehensive
tahun berikutnya. Hal ini untuk meyakinkan bahwa infrastruktur, and carried out in the following years. This is to ensure that
aplikasi, dan jaringan Bank Victoria sudah memiliki tingkat Bank Victoria's infrastructure, application, and network
keamanan yang baik dan sejalan dengan aturan kebijakan already have a good level of security and are in line with the
regulator bank sentral. central bank's regulatory policies.
Guna mendukung customer experience dalam meningkatkan To support customer experience, enhance customer services,
layanan nasabah dan mendekatkan bank kepada nasabahnya, and bring the Bank closer to its customers, the IT Division
Divisi IT telah membangun sistem call center yang lebih baik has developed a better call center system equipped with
yang dilengkapi dengan teknologi IVR dengan fitur yang IVR technology with feature that enables the customers to
memudahkan nasabah untuk melakukan perubahan PIN ATM change ATM PIN on their own and to see their last transaction,
oleh nasabah sendiri, dan mengetahui mutasi transaksi terakhir, which is equipped with better recording system technology.
yang dilengkapi dengan teknologi recording system yang lebih This aims to facilitate customers in increasing the security of
baik. Hal tersebut bertujuan untuk memudahkan nasabah dalam ATM cards and transactions.
meningkatkan keamanan kartu ATM dan bertransaksi.
Strategic Aligment 2020
System Application Security and Infrastructure KPI

• Middle Ware Enhancement • System Security Upgrade
• CB Front End Development • Cyber maturity assessment • ROE, NPL, BOPO, CAR
• Surround Application integration • High availability setup / mimic • CASA 25% (+800M)
IT and SYstem
• IT Base process
Development and Consolidation • Communication Link upgrade
enhancement
• CB Product Module Enhancement • New Architecture setup • Performance
• B/MB enhancement (incl. CB HW upgrade) Management
• ViBiz Deployment • Secure Data integration • Strategic Alliance
• Data warehouse development • Winning Culture

Tata Kelola
Perusahaan
Tingkat kesehatan Bank berada pada kategori “Baik”

dan tingkat risiko komposit berada pada kategori
“Low to Moderate”. Struktur permodalan Bank juga
tetap solid dan kokoh dengan kinerja keuangan yang
masih terkendali.
The Bank’s sound level is in “Good” category and the composite risk level is
in “Low to Moderate” category. The Bank’s capital structure also remains
solid and robust with controlled financial performance.


Dasar Implementasi GCG

// Basis of GCG Implementation
Bank merupakan lembaga perantara keuangan yang berfungsi A Bank is an intermediary financial institution that collects funds
untuk menghimpun dana dari masyarakat untuk disalurkan from the society to be redistributed to the society, in order to
kembali kepada masyarakat dalam rangka menggerakkan dan stimulate and boost economic growth. The implementation of
meningkatkan pertumbuhan ekonomi. Pelaksanaan fungsi this function is never easy, as the bank faces higher and higher
tersebut tidaklah mudah karena dihadapkan pada tantangan competition challenge in this globalization era, hence national
persaingan yang semakin ketat di era globalisasi, sehingga banking policy needs to be focused on actualizing a healthy,
kebijakan perbankan nasional perlu difokuskan pada terwujudnya stronger, and efficient Indonesian banking management and
struktur pengelolaan dan pengawasan perbankan Indonesia supervision structure. As such, Bank Victoria continues to
yang sehat, kuat dan efisien. Oleh karena itu, Bank Victoria terus manage and supervise its business activities under prevailing
mengelola dan mengawasi seluruh kegiatan usaha sesuai dengan rules and regulations, with due observance of right fulfillment
peraturan dan ketentuan yang berlaku, dengan memperhatikan of its stakeholders. The implementation of Good Corporate
pemenuhan hak-hak pemangku kepentingan. Implementasi tata Governance (GCG) at the Bank is based on commitment to run a
kelola perusahaan yang baik (good corporate governance/GCG) sound business, on the right track, and in accordance with the
di Bank ini didasari pada komitmen untuk menjalankan usaha regulations. The commitment arises from the Bank’s awareness
yang sehat, pada koridor yang tepat, dan sesuai dengan regulasi. as Good Corporate Citizen and as a support to government’s role
Komitmen tersebut timbul dari kesadaran Bank sebagai Good in mediating public finances.
Corporate Citizen dan sebagai kepanjangan tangan dari pemerintah
yang berperan dalam memediasi keuangan masyarakat.
Mengingat pentingnya peran Bank dalam keikutsertaan Given the importance of the Bank’s role in participating to
menjaga stabilitas keuangan di tanah air, maka Bank Victoria maintain financial stability in the country, Bank Victoria applies
menerapkan setiap peraturan secara tepat dan ketat. Terkait every regulation appropriately and strictly. In relation to GCG
dengan implementasi GCG, Bank Victoria menetapkan implementation, Bank Victoria applies all rules and regulations,
peraturan dan ketentuan, meliputi Undang-Undang Republik which include Laws of the Republic of Indonesia, Regulations of
Indonesia, Peraturan Otoritas Jasa Keuangan, prinsip Corporate Financial Services Authority, Corporate Governance Principles
Governance yang dikembangkan oleh Organization for Economic developed by Organization for Economic Cooperation and

Cooperation and Development (OECD), ASEAN Corporate Development (OECD), ASEAN Corporate Governance Scorecard,
Governance Scorecard, Pedoman GCG Perbankan Indonesia GCG Guidelines for Indonesian Banking developed by the National
yang dikembangkan oleh Komite Nasional Kebijakan Governance Committee of Governance Policy (KNKG), and Principles for
(KNKG), serta Principles for Enhancing Corporate Governance yang Enhancing Corporate Governance issued by Basel Committee on
diterbitkan oleh Basel Committee on Banking Supervision. Banking Supervision.
Berdasarkan peraturan-peraturan tersebut, pelaksanaan In accordance with these regulations, the implementation of the
kegiatan usaha Bank selalu didasari pertimbangan terhadap Bank’s business activities must be rooted on the consideration of
pemenuhan prinsip-prinsip GCG yang diuraikan sebagai berikut. the fulfillment of GCG principles as described below.
Prinsip GCG Pengertian Standar Pemenuhan

GCG Principles Explanation Standard of Fulfillment
Transparansi Terbuka dalam mengemukakan informasi yang material dan Bank harus memberikan informasi secara tepat waktu,
Transparency relevan, serta terbuka dalam pelaksanaan proses pengambilan memadai, jelas, akurat, dan dapat dibandingkan. Informasi
keputusan. tersebut juga harus mudah diakses pemangku kepentingan
Openness in disclosing material and relevant information, and sesuai dengan haknya.
openness in implementing decision making process. Bank must provide information in a timely, adequately, clearly,
accurately, and comparably manner. Such information must
also be easily accessible to the stakeholders in accordance
with their rights.
Akuntabilitas Kejelasan fungsi dan pelaksanaan pertanggungjawaban organ Bank harus menetapkan fungsi tugas dan tanggung jawab yang
Accountability Bank sehingga pengelolaan Bank berjalan secara efektif. jelas dari setiap komponen organisasi, selaras dengan visi dan
Clarity of functions and implementation of the accountability misi, sasaran usaha, serta strategi Bank. Setiap komponen
of the Bank’s organs so that the Bank’s management runs organisasi mempunyai kompetensi sesuai dengan tugas dan
effectively. tanggung jawab masing-masing, serta harus dapat memahami
perannya dalam pelaksanaan GCG. Bank juga harus memastikan
adanya check and balance dalam pengelolaan Bank, dimilikinya
ukuran kinerja dari setiap jajaran berdasarkan ukuran yang
disepakati secara konsisten, sesuai dengan nilai-nilai Bank,
sasaran usaha, strategi Bank, serta dimilikinya sistem reward
and punishment.
Bank must establish a clear function of duties and
responsibilities of each organizational component, consistent
with the Bank’s vision and mission, business objectives,
and strategies. Each organizational component has the
competence in accordance with their respective duties and
responsibilities, and must be able to understand its role in
GCG implementation. The Bank must also ensure the check
and balance in the Bank’s management, the consistent
performance measure of each rank based on the agreed
measures, in accordance with the Bank’s values, business
goals, the Bank’s strategies, and reward and punishment
system.
Pertanggungjawaban Kesesuaian pengelolaan Bank dengan peraturan perundang- Bank harus memegang prinsip prudential banking practices.
Responsibility undangan yang berlaku dan prinsip-prinsip pengelolaan bank Prinsip tersebut dijalankan sesuai dengan ketentuan dan
yang sehat. peraturan perundang-undangan yang berlaku agar tetap
The compliance of the Bank’s management with the terjaga kelangsungan usaha Bank. Bank juga harus mampu
prevailing laws and regulations and sound principles of bank bertindak sebagai Good Corporate Citizen.
management. Banks must hold the principles of prudential banking
practices. These principles are executed in accordance with
the prevailing provisions and laws and regulations in order to
maintain the Bank’s business continuity. The Bank must also be
able to act as a Good Corporate Citizen.

Prinsip GCG Pengertian Standar Pemenuhan

GCG Principles Explanation Standard of Fulfillment
Independensi Pengelolaan Bank secara profesional, tanpa pengaruh/tekanan Bank harus dikelola secara profesional dan tanpa dominasi
Independence dari pihak manapun. yang tidak wajar oleh pemangku kepentingan. Pengelola Bank
Managing the Bank professionally without any influence/ tidak boleh terpengaruh oleh kepentingan sepihak dan harus
pressure from any parties. menghindari segala bentuk benturan kepentingan.
Bank must be managed professionally and without unfair
domination by the stakeholders. The Bank managers must not
be affected by unilateral interest and must avoid any kinds of
conflict of interest.
Kewajaran Keadilan dan kesetaraan dalam memenuhi hak-hak pemangku Bank harus memperhatikan kepentingan seluruh pemangku
Fairness kepentingan yang timbul berdasarkan perjanjian dan peraturan kepentingan berdasarkan asas kesetaraan dan kewajaran
perundang-undangan yang berlaku. (equal treatment). Bank juga perlu memberikan kesempatan
Justice and equality in fulfilling the stakeholders’ rights arising kepada pemangku kepentingan untuk memberikan masukan
based on agreement and the applicable laws and regulations. bagi kepentingan Bank, serta memiliki akses terhadap
informasi, sesuai dengan prinsip keterbukaan.
Bank must pay attention to the interests of all stakeholders
based on the principle of equality and equal treatment. Bank
also needs to provide opportunities to the stakeholders to
give inputs for the Bank’s interests, and to have access to
information, in accordance with the principle of openness.
Komitmen Implementasi GCG

// Commitment of GCG Implementation
Komitmen implementasi GCG di Bank Victoria dimulai dari The commitment of GCG implementation at Bank Victoria begins
internalisasi berbagai peraturan dan ketentuan yang mendasari with the internalization of various regulations and provisions
pelaksanaan GCG ke dalam peraturan dan ketentuan yang that underly GCG implementation into regulations and provisions
ditetapkan oleh Bank, serta yang disarikan ke dalam Visi, Misi, specified by the Bank, which are summarized into the Bank’s
dan Nilai-Nilai Budaya Bank. Hal ini diikuti dengan komitmen Vision, Mission, and Values. This is followed by the commitment
organ-organ tata kelola Bank, yang meliputi Rapat Umum of the Bank’s governance organs, including the General Meeting
Pemegang Saham (RUPS), Dewan Komisaris, dan Direksi, beserta of Shareholders (GMS), the Board of Commissioners, and Board of
organ pendukung masing-masing, untuk memainkan perannya Directors, along with their respective organs, to play their roles in
sesuai dengan peraturan yang telah disepakati. Pelaksanaan accordance with the agreed regulations. The role implementation
peran oleh masing-masing organ tata kelola Bank juga dilakukan by each of the Bank’s governance organs is also conducted based
dengan berlandaskan pada prinsip-prinsip GCG guna mencapai on GCG principles to achieve Good Corporate Sustainability.
kesinambungan usaha jangka panjang (Good Corporate
Sustainability).

Struktur dan Pedoman GCG

// GCG Structure and Guidelines
Berdasarkan Undang-Undang No. 40 Tahun 2007 tentang Based on Law No. 40 of 2007 on Limited Liability Company, Bank
Perseroan Terbatas, struktur tata kelola Bank Victroria disusun Victoria’s governance structure is compiled for the purpose of
dengan tujuan untuk menetapkan kejelasan dalam pembagian clarity in distribution of duties and responsibilities, mechanism
tugas dan tanggung jawab, mekanisme dan alur pelaksanaan and flow in decision making, and reporting in the organs within the
pengambilan keputusan, serta pelaporan dalam organ-organ Bank. The following is the structure of Bank Victoria’s corporate
yang ada di dalam Bank. Berikut struktur tata kelola perusahaan governance.
di Bank Victoria.
Rapat Umum Pemegang Saham

General Meeting of Shareholders
Dewan Komisaris Direksi

Board of Commissioners Board of Directors
Komite Pemantau Risiko Komite Manajemen Risiko

Risk Monitoring Committee Risk Management Committee Asset Liability Committe
Komite Nominasi Komite Manajemen

dan Remunerasi Risiko Terintegrasi Komite Kebijakan Kredit
Nomination and Remuneration Integrated Risk Credit Policy Committee
Committee Management Committee
Komite Pemantauan dan

Komite Audit Komite Kredit Pelaksanaan GCG
Audit Committee Credit Committee GCG Monitoring
and Implementation Committee
Komite Tata Kelola Terintegrasi Komite Teknologi Informasi

Integrated Governance Komite Pengadaan
Committee Procurement Committee
Committee
Komite Personalia Komite Investasi

HR Committee Investment Committee
Komite Produk
Product Committee
Compliance, KYC/Integrated and

Corporate Secretary Risk Management/Integrated
System Procedure

Masing-masing organ pada struktur tata kelola menjalankan Each organ on the governance structure performs its roles in
peran sesuai dengan pedoman yang dimiliki Bank Victoria. accordance with Bank Victoria’s guidelines. The guidelines are,
Pedoman tersebut antara lain: among others:
1. Pedoman Kode Etik Perilaku Karyawan yang ditetapkan 1. Employee Ethics Guidelines stipulated in the Board of
berdasarkan Surat Keputusan Direksi No. 002/SK-DIR/02/16 Directors’ Decree No. 002/SK-DIR/02/16 dated 15 February
tanggal 15 Februari 2016; 2016;
2. Standar Operasional Prosedur Anti Fraud yang ditetapkan 2. Standard Operational Procedure of Anti Fraud stipulated in
dalam Surat Keputusan Direksi No. 006/SK-DIR/11/16 tanggal Board of Directors’ Decree No. 006/SK-DIR/11/16 dated 28
28 November 2016; November 2016;
3. Kebijakan Good Corportate Governance (GCG) yang telah 3. Good Corporate Governance (GCG) Policy ratified through
disahkan melalui Keputusan Direksi No. 009/SK-DIR/02/16 Board of Directors’ Decree No. 009/SK-DIR/02/16 dated 24
tanggal 24 Februari 2016; February 2016;
4. Board of Commissioners Charter (BOC Charter) yang telah 4. the Board of Commissioners Charter (BOC Charter) ratified
disahkan melalui Surat Keputusan Dewan Komisaris No. 001/ by Decree of Board of Commissioners No. 001/SK-KOM/04/19
SK-KOM/04/19 tanggal 10 April 2019; dated 10 April 2019;
5. Board of Directors Charters (BOD Charter) yang telah disahkan 5. Board of Directors Charter (BOD Charter) ratified by the Board
melalui Surat Keputusan Direksi No. 002/SK-DIR/05/19 of Directors’ Decree No. 002/SK-DIR/05/19 dated 2 May 2019;
tanggal 2 Mei 2019;
6. Piagam dan Pedoman Kerja Komite Audit yang telah disahkan 6. Charter and Working Guidelines of Audit Committee approved
melalui Surat Keputusan Dewan Komisaris No.004/SK- by Decree of Board of Commissioner No.004/SK-KOM/09/18
KOM/09/18 tanggal 21 September 2018; dated 21 September 2018;
7. Pedoman Komite Nominasi dan Remunerasi yang telah 7. Guidelines of Nomination and Remuneration Committee
disahkan melalui Surat Keputusan Dewan Komisaris No. 003/ ratified by Decree of Board of Commissioners No. 003/SK-
SK-KOM/09/18 tanggal 20 September 2018; KOM/09/18 dated 20 September 2018;
8. Piagam dan Pedoman Kerja Komite Pemantau Risiko yang 8. Charter and Working Guidelines of Risk Monitoring Committee
telah disahkan melalui Surat Keputusan Dewan Komisaris No. ratified by Decree of Board of Commissioners No. 001/SK-
001/SK-KOM/12/17 tanggal 8 Desember 2017; KOM/12/17 dated 8 December 2017;
9. Pedoman dan Tata Tertib Komite Manajemen Risiko 9. Guidelines and Procedures of Victoria Group Integrated Risk
Terintegrasi Grup Victoria yang ditetapkan berdasarkan Management Committee stipulated under Board of Directors’
Surat Keputusan Direksi No. 004/SK-DIR/09/15 tanggal 4 Decree No. 004/SK-DIR/09/15 dated 4 September 2015;
September 2015;
10. Pedoman dan Tata Tertib Komite Tata Kelola Terintegrasi 10. Guidelines and Procedures of Victoria Group Integrated
Grup Victoria yang ditetapkan berdasarkan Surat Keputusan Governance Committee stipulated under Board of Directors’
Direksi No. 006/SK-DIR/06/17 tanggal 20 Juni 2017; dan Decree No. 006/SK-DIR/06/17 dated 20 June 2017; and
11. Kebijakan dan Standard Operating Procedure (SOP). 11. Policy and Standard Operating Procedure (SOP).
Pedoman-pedoman tersebut ditujukan untuk: The guidelines are for:

1. Melengkapi kebijakan pendukung dalam penerapan GCG; 1. Completing supporting policies in GCG implementation;
2. Menjadi pedoman bagi Bank dalam menjalankan aktivitas 2. Being the guide for the Bank in carrying out its daily activities
sehari-hari sesuai dengan budaya perusahaan yang in accordance with the expected corporate culture; and
diharapkan; dan
3. Menjadi bentuk komitmen tertulis bagi seluruh jajaran dan 3. Becoming a form of written commitment to all ranks and
tingkatan organisasi Bank dalam rangka meningkatkan levels of the Bank’s organization in order to improve discipline
disiplin dan tanggung jawab organ perusahaan dalam rangka and responsibility of the Bank’s organs in order to safeguard
menjaga kepentingan pemangku sesuai dengan tanggung the stakeholders’ interests according to their respective
jawab masing-masing. responsibilities.
Pedoman-pedoman tersebut telah dievaluasi dan telah These guidelines have been evaluated and updated periodically
dimutakhirkan secara berkala untuk menjaga kesesuaiannya to keep them in line with the changes to the applicable laws and
dengan perubahan peraturan dan perundang-undangan yang regulations.
berlaku.

Corporate Governance Framework

// Corporate Governance Framework
Implementasi GCG bersifat menyeluruh dan mencakup seluruh GCG Implementation is comprehensive and covers all aspects
aspek pengelolaan usaha. Terkait hal tersebut, Bank menyusun of business management. In relation thereto, the Bank
Corporate Governance Framework agar implementasi GCG berjalan prepares Corporate Governance Framework for effective GCG
efektif. Corporate Governance Framework merupakan alokasi implementation. Corporate Governance Framework is an effective
wewenang, tugas dan tanggung jawab organ Bank yang efektif allocation of authorities, duties, responsibilities of the Bank
dengan menetapkan: fungsi pengendalian; menetapkan strategi organs, by determining: the controlling function, determining
dan sasaran Bank; pemilihan dan pengawasan human capital the Bank’s strategy and target; effective selection and control
yang efektif; pengelolaan Bank yang profesional; melindungi of human capital; managing the Bank professionally; protecting
kepentingan nasabah serta memenuhi kepentingan Pemegang the customer’s interests and meeting the Shareholders’ and
Saham dan pemangku kepentingan lainnya; serta memadukan Stakeholders’ other interests; as well as blending the culture,
budaya, kegiatan usaha, dan perilaku dengan tujuan menjalankan business activities and behavior, with an intention to carry out
kegiatan usaha yang aman dan sehat, dengan integritas dan healthy and safe business activities, with due observance of
patuh terhadap peraturan perundang-undangan. integrity and compliance with the laws and regulations.
Implementasi dari framework menjadi tanggung jawab seluruh The implementation of such framework is not only the
insan Bank, baik itu RUPS, Dewan Komisaris, Direksi, organ tata responsibility of major governance organs (GMS, Board of
kelola pendukung, dan seluruh karyawan Bank. Commissioners, and Board of Directors), but also the joint
responsibility of the supporting governance organs and all
employees of Bank Victoria.
Mekanisme Implementasi GCG

// Mechanism of GCG Implementation
Agar implementasi GCG di Bank Victoria lebih terarah dan In order to have more focused implementation of GCG at Bank
dapat mencapai tujuan implementasi jangka panjang, yaitu Victoria and to achieve long-term implementation objectives,
Good Corporate Sustainability, Bank menetapkan mekanisme which is Good Corporate Sustainability, the Bank establishes GCG
pelaksanaan GCG dengan mempertimbangkan praktik-praktik implementation mechanism by considering the best practices
terbaik yang pernah dilakukan di industri perbankan. Mekanisme undertaken in the banking industry. The mechanism of GCG
pelaksanaan GCG di Bank Victoria ditunjukkan dalam skema implementation at Bank Victoria is shown in the following scheme.
berikut.

Pentetapan Standar Kualitas

Implementasi GCG
Determining Quality Standard of
GCG Implementation
Peningkatan Kualitas Implementasi

GCG dan Benchmarking Implementasi GCG
Improving Quality of GCG GCG Implementation
Implementation and Benchmarking
Asesmen GCG Monitoring Implementasi GCG

GCG Assessment Monitoring of GCG Implementation
Penetapan Standar Kualitas Determining Quality Standard

Implementasi GCG of GCG Implementation
Kualitas implementasi GCG di Bank Victoria ditentukan dari The quality of GCG implementation at Bank Victoria is determined
standar yang ditetapkan. Standar tersebut akan menjadi from the established standards. These standards will be the
ketentuan minimum yang harus diupayakan pemenuhannya oleh minimum condition that must be met by the Bank. Standard
Bank. Penetapan standar dilakukan dengan mempertimbangkan setting is made by considering the Bank’s development, input
perkembangan Bank, input dari pemangku kepentingan, hasil from the stakeholders, assessment results, and benchmarking on
asesmen, dan benchmarking pada industri perbankan yang banking industry in BUKU II class.
berada di kelas BUKU II.
Salah satu standar kualitas implementasi GCG yang ditetapkan One of the quality standards of GCG implementation established
Bank Victoria adalah pencapaian tingkat kesehatan Bank by Bank Victoria is the achievement of Bank soundness based on
berdasarkan self assessment GCG minimum pada kategori “Baik” GCG self assessment at least in the “Good” category and based on
dan berdasarkan pendekatan risiko minimum pada kategori “Low the minimum risk approach in the “Low to Moderate” category.
to Moderate”. Penetapan standar tersebut mengacu kepada Determining the standard refers to the Financial Services
Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 tentang Authority Regulation No. 4/POJK.03/2016 on Sound Level
Penilaian Tingkat Kesehatan Bank Umum. Assessment of Commercial Bank.
Standar lain yang ditetapkan Bank adalah pemenuhan Peraturan The other standards specified by the Bank are to fulfill Financial
Otoritas Jasa Keuangan No. 21/POJK.04/2015 tentang Penerapan Services Authority Regulation No. 21/POJK.04/2015 on
Pedoman Tata Kelola Perusahaan Terbuka. Berdasarkan Implementation of Governance Guidelines of Public Company.
pedoman tersebut, Bank mengupayakan pemenuhan hubungan In accordance with these guidelines, the Bank seeks to fulfill its
dengan Pemegang Saham dalam menjamin hak-hak Pemegang relationship with the Shareholders in securing the Shareholders’
Saham, pelaksanaan fungsi dan peran Dewan Komisaris dan rights, executing the functions and roles of the Board of
Direksi, peningkatan partisipasi pemangku kepentingan, serta Commissioners and Board of Directors, improving stakeholders’
peningkatan pelaksanaan keterbukaan informasi. participation, and improving the implementation of information
disclosure.

Pelaksanaan dan Pemantauan Implementation and Monitoring of GCG

Implementasi GCG Implementation
Penetapan standar kualitas implementasi GCG harus diikuti The establishment of GCG implementation quality standards must
dengan pelaksanaan secara konsisten dan berkelanjutan. be followed by consistent and continuous implementation. The
Pemenuhan standar tersebut menjadi kewajiban bagi seluruh fulfillment of such standards becomes the obligation for all of
insan Bank, dengan tanggung jawab utama berada di bawah the Bank’s employees, with the main responsibility is under the
koordinasi Direksi dan Dewan Komisaris. coordination of the Board of Directors and Board of Commissioners.
Pelaksanaan implementasi GCG akan dipantau oleh Komite GCG implementation will be monitored by the GCG Monitoring and
Pemantau dan Pelaksanaan GCG guna memastikan kebenaran Implementation Committee to ensure it has been done properly.
pelaksanaannya. Komite tersebut antara lain berperan dalam: This committee, among others, is in charge of:
1. Memantau dan menganalisa setiap kebijakan terbaru maupun 1. Monitoring and analyzing any current and best practices
praktik terbaik terkait penerapan GCG; related to GCG implementation;
2. Melakukan pengkinian/penyempurnaan kebijakan internal 2. Updating/improving the existing policies against any change
(existing) terhadap setiap perubahan kebijakan GCG; of GCG policy;
3. Memantau secara berkala atas rencana dan realisasi/ 3. Monitoring periodically on the Bank’s plans and realizations/
pencapaian bisnis Bank melalui rapat-rapat Komite; business achievements through Committee meetings;
4. Menentukan aspek dan person in charge dalam penyusunan GCG 4. Determining aspects and person in charge in the preparation
sesuai dengan bidang yang tercermin dari aspek-aspek GCG; of GCG in accordance with the areas reflected in GCG aspects;
5. Mengkoordinir penyusunan laporan pelaksanaan GCG; dan 5. Coordinating the preparation of GCG implementation reports;
and
6. Menyusun pelaporan pelaksanaan GCG Bank dan melakukan 6. Preparing the reporting of the Bank’s GCG implementation
penilaian secara mandiri sesuai ketentuan yang berlaku. and conducting self assessment in accordance with the
prevailing provisions.
Asesmen GCG GCG Assessment

Asesmen GCG merupakan mekanisme check and balance GCG Assessment is a check and balance mechanism for the
bagi manajemen untuk mengukur kekuatan dan kelemahan management to measure the strengths and weaknesses of the
implementasi GCG yang sedang berjalan di Bank. Hal ini Bank’s ongoing GCG implementation. This is necessary in order
diperlukan dalam upaya memperbaiki dan meningkatkan kualitas to improve and enhance the quality of GCG implementation on
implementasi GCG pada berbagai aspek yang diukur. various aspects measured.
Pelaksanaan asesmen GCG dilakukan berdasarkan Peraturan The implementation of GCG assessment is conducted under
Otoritas Jasa Keuangan No. 55/POJK.03/2016 dan Surat Financial Services Authority Regulation No. 55/POJK.03/2016 and
Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang Circular of Financial Services Authority No. 13/SEOJK.03/2017 on
Penerapan Tata Kelola bagi Bank Umum dan Peraturan Otoritas the Implementation of Governance for Commercial Banks and
Jasa Keuangan, serta Peraturan Otoritas Jasa Keuangan No. 4/ Financial Services Authority Regulation No. 4/POJK.03/2016
POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank Umum. on Sound Level Assessment of Commercial Bank. Under these
Berdasarkan peraturan tersebut, Bank wajib melaksanakan regulations, the Bank must conduct self assessment on the
penilaian atas pelaksanaan prinsip-prinsip dasar GCG secara implementation of GCG basic principles in each fiscal year. The
mandiri (self assessment) setiap tahun buku. Penilaian assessment is classified into a governance system consisting of
dikelompokan dalam suatu governance system yang terdiri dari 3 (three) aspects, which are governance structure, governance
3 (tiga) aspek, yaitu governance structure, governance process, process, and governance outcome.
dan governance outcome.
Faktor-faktor yang dinilai dalam self assessment GCG sebagai berikut. Factors assessed in GCG self assessment are as follows.
1. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris 1. Implementation of Duties and Responsibilities of the Board of
Commissioners
Bank memastikan terselenggaranya pelaksanaan GCG melalui The Bank ensures the implementation of GCG through its
peran pengawasan yang aktif dan efektif, serta memberi active and effective supervisory role, and provides input/
masukan/rekomendasi kepada Direksi untuk kepentingan recommendation to the Board of Directors for the Bank’s
Bank, sesuai dengan ukuran dan kompleksitas usaha Bank. interest, in accordance with the Bank’s business size and
complexity.

2. Pelaksanaan Tugas dan Tanggung Jawab Direksi 2. Implementation of Duties and Responsibilities of the Board of
Directors
Bank memastikan bahwa operasional dan usaha Bank telah The Bank ensures that Bank’s operations and businessare
diwujudkan dalam pelaksanaan tugas dan tanggung jawab realized in the execution of highly effective duties and
yang berjalan sangat efektif. responsibilities.
3. Kelengkapan dan Pelaksanaan Tugas Komite 3. Completeness and Implementation of the Committee’s Duties
Bank memastikan telah memiliki semua Komite yang The Bank ensures that it has all the required Committees in
dipersyaratkan sesuai ketentuan regulator, serta telah accordance with the regulatory requirements, and that they
melaksanakan fungsi dan tugasnya secara optimal dan efektif have performed their functions and duties optimally and
dalam memberikan rekomendasi yang digunakan sebagai effectively in providing recommendations used as reference
acuan Dewan Komisaris. of the Board of Commissioners.
4. Penanganan Benturan Kepentingan 4. Management of Conflict of Interest
Bank memastikan telah memiliki kebijakan dan prosedur The Bank ensures that it has policies and procedures to
penanganan benturan kepentingan dengan tujuan agar manage conflict of interest in order to ensure that any action
setiap tindakan insan Bank tidak merugikan dan tidak taken by the Bank’s employees is not detrimental and does
mengurangi keuntungan Bank, serta agar setiap keputusan not harm the Bank’s profits, and that any decision is properly
terdokumentasikan dengan baik, dilengkapi dengan risalah rapat. documented and complemented by the minutes of meetings.
5. Penerapan Fungsi Kepatuhan 5. Implementation of Compliance Function
Bank memastikan terus dilakukannya penerapan fungsi The Bank ensures continuous implementation of compliance
kepatuhan terhadap aktivitas operasional maupun terhadap function to the operational activities as well as to the Bank’s
pengembangan usaha Bank agar senantiasa sesuai dengan business development in order to always comply with the
ketentuan yang berlaku, serta meminimalisasi pelanggaran. prevailing provisions and to minimize violations.
6. Penerapan Fungsi Audit Internal 6. Implementation of Internal Audit Function
Bank memastikan pelaksanaan fungsi audit internal telah The Bank ensures that the implementation of internalaudit
berjalan lebih efektif, independen dan objektif, serta function has been performed more effectively, independently,
senantiasa berpedoman pada standar yang ditetapkan dalam and objectively, and always complies with the standards
Standar Pelaksanaan Fungsi Audit Intern Bank (SPFAIB). set forth in Bank’s Internal Audit Function Implementation
Standards (SPFAIB).
7. Penerapan Fungsi Audit Eksternal 7. Implementation of External Audit Function
Bank memastikan pelaksanaan fungsi audit eksternal berjalan The Bank ensures the implementation of external audit
secara independen dan telah sangat efektif, sesuai dengan function runs independently and highly effectively, in
persyaratan yang ditetapkan dalam ketentuan, dengan accordance with the requirements specified in the provisions,
menghasilkan kualitas dan cakupan hasil audit yang sangat baik. by producing excellent quality and coverage of audit results.
8. Penerapan Manajemen Risiko, termasuk Sistem 8. Implementation of Risk Management, including Internal
Pengendalian Intern Control System
Bank memastikan pelaksanaan fungsi manajemen risiko The Bank ensures that the implementation of risk management
telah lebih efektif serta melakukan peran dan fungsinya functions has been more effective and performs its roles and
dalam sistem pengendalian intern yang lebih komprehensif, functions in a more comprehensive internal control system,
seperti melakukan pemutakhiran kebijakan, prosedur dan such as updating policies and procedures, specifying the
penetapan limit sesuai dengan regulasi, tujuan, ukuran, dan limits in accordance with the Bank’s regulations, objectives,
kompleksitas usaha Bank. size, and complexity.
9. Penyediaan Dana kepada Pihak Terkait dan Penyediaan 9. Provision of Fund to Related Party and Provision of Large
Dana Besar Exposure
Bank memastikan telah dimilikinya kebijakan tertulis The Bank ensures that it has written policies on the provision
mengenai penyediaan dana kepada pihak terkait dan of funds to related parties and provision of large exposure, no
penyediaan dana besar, tidak terdapat pelanggaran maupun violations nor exceeding BMPK, diversification of equitable
pelampauan BMPK, diversifikasi penyediaan dana yang cukup provision of funds, and that decision-making in the provision
merata, serta pengambilan keputusan dalam penyediaan of funds is conducted independently.
dana dilakukan secara independen.
10. Transparansi Kondisi Keuangan dan Non Keuangan Bank, 10. Transparency of the Bank’s Financial and Non-Financial
Laporan Pelaksanaan GCG dan Pelaporan Internal Condition, GCG Implementation Report, and Internal
Bank memastikan telah transparan dalam menyampaikan Reporting The Bank ensures that it has been transparent
informasi keuangan maupun non keuangan kepada publik in delivering financial and non-financial information to the
secara tepat waktu, lengkap, akurat, mutakhir dan utuh, public in a timely, complete, accurate, updated, and complete
termasuk penyampaian laporan pelaksanaan GCG kepada manner, including the submission of GCG implementation
Pemegang Saham dan pemangku kepentingan lainnya, report to the Shareholders and other stakeholders, supported
dengan didukung Sistem Informasi Manajemen Bank yang by the Bank’s Management Information System that is
mampu menyediakan data dan informasi untuk pengambilan capable of providing data and information for management’s
keputusan manajemen. decision-making.

11. Rencana Strategis Bank 11. Bank’s Strategic Plans

Bank memastikan penyusunan RBB telah dilakukan dengan The Bank ensures that RBB preparation has been carried out
realistis dan telah memperhatikan faktor eksternal dan realistically and has taken into consideration the external
internal, prinsip prudent, serta asas perbankan yang sehat and internal factors, prudent principles, and sound banking
dan sesuai dengan visi, misi, dan rencana korporasi Bank. principles, and in line with the Bank’s vision, mission, and
corporate plan.
Hasil Self Assessment serta Tindak Lanjutnya Self Assessment Results and Follow Up
Hasil self assessment GCG Bank Victoria selama 5 (lima) tahun Bank Victoria’s self-assessment results for the past 5 (five) years
terakhir ditunjukkan sebagai berikut. are as follows.
Nilai
Aspek Score
Aspect
2019 2018 2017 2016 2015
Pelaksanaan Tugas dan Tanggung Jawab Direksi
2 2 2 2 2
Implementation of Duties and Responsibilities of the Board of Directors
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris

1 1 1 1 1
Implementation of Duties and Responsibilities of the Board of Commissioners
Kelengkapan dan Pelaksanaan Tugas Komite

2 2 2 2 2
Completeness and Implementation of the Committee’s Duties
Penanganan Benturan Kepentingan

1 1 1 1 1
Management of Conflict of Interest
Penerapan Fungsi Kepatuhan

2 2 2 2 1
Implementation of Compliance Function
Penerapan Fungsi Audit Intern

2 2 2 2 2
Implementation of Internal Audit Function
Penerapan Fungsi Audit Ekstern

2 2 2 2 1
Implementation of External Audit Function
Penerapan Manajemen Risiko, termasuk Sistem Pengendalian Intern

2 2 2 2 2
Implementation of Risk Management, including Internal Control System
Penyediaan Dana Kepada Pihak Terkait (Related Party) dan

Penyediaan Dana Besar (Large Exposure) 2 2 2 2 2
Provision of Fund to Related Party and Provision of Large Exposure
Transparansi Kondisi Keuangan dan Non Keuangan Bank, Laporan Pelaksanaan GCG, dan
Pelaporan Internal
1 1 1 1 1
Transparency of the Bank’s Financial and Non-Financial Condition, GCG Implementation
Report, and Internal Reporting
Rencana Strategis Bank

2 2 2 2 2
Bank’s Strategic Plans
Skor Self Assessment GCG Bank Victoria

2 2 2 2 2
Bank Victoria’s GCG Self Assessment Score
Kategori Baik Baik Baik Baik Baik

Category Good Good Good Good Good
Skor Self Assessment GCG Bank Victoria Syariah

1.63 1.56 1.62 2.00 2.28
Bank Victoria Syariah’s GCG Self Assessment Score
Kategori Baik Baik Baik Baik Baik

Category Good Good Good Good Good

Berdasarkan hasil self assessment tahun 2019, Bank meraih Based on the self-assessment results in 2019, the Bank obtained a
peringkat komposit 2 (dua) (Baik) dengan rincian sebagai berikut. composite rating of 2 (two) (Good) with the following details.
Indikator Peringkat Definisi Peringkat

Indicator Rating Rating Definition
Individu 2 Bank telah melakukan penerapan tata kelola yang secara umum baik, tercermin dari penerapan
Individual 11 aspek yang telah dituangkan dalam analisis.
The Bank has implemented GCG, which in general is good. This is reflected in the implementation
of the 11 aspects outlined in the analysis.
Konsolidasian 2 Secara konsolidasi, yaitu Bank Victoria International dan Bank Victoria Syariah, telah melakukan
Consolidated penerapan (GCG) secara umum Baik, tercermin dari masing-masing organisasi telah melakukan
penerapan terhadap 11 aspek yang telah dituangkan dalam analisis.
In a consolidation manner of Bank Victoria International and Bank Victoria Syariah, the GCG
implementation is generally Good. This is reflected in each organization that has implemented
the 11 aspects, which all have been stated in the analysis.
Adapun uraian analisis kesesuaian pelaksanaan self assessment The analysis of Bank Victoria’s GCG self assessment conformance
GCG Bank Victoria dengan 3 (tiga) aspek, yaitu governance is based on 3 (three) aspects, namely governance structure,
structure, governance process, dan governance outcome untuk governance process, and governance outcome for each of the
setiap kriteria, serta tindak lanjutnya diuraikan sebagai berikut. criteria, and the follow up is as described below.
Uraian (Individu)
Description (Individual)
Aspek Nilai Analisis

Aspect Score Analysis
Pelaksanaan Tugas dan Tanggung Jawab Direksi 2 Governance Structure:

Implementation of Duties and Responsibilities of • Jumlah anggota Direksi berdasarkan Akta Berita Acara RUPS Tahunan No. 19 tanggal
the Board of Directors 10 Mei 2019 terdiri dari 5 (lima) orang, yang terdiri dari Direktur Utama, Wakil Direktur
Utama, 2 (dua) Direktur Bidang, serta Direktur Kepatuhan dan Manajemen Risiko;
• Setiap Direksi tidak memiliki hubungan keluarga sampai dengan derajat kedua
maupun keuangan dengan anggota Direksi lainnya dan/atau anggota Komisaris;
• Direksi tidak memiliki jabatan rangkap sebagai Komisaris, Direksi atau Pejabat
Eksekutif pada Bank, perusahaan dan/atau lembaga keuangan lainnya, kecuali
untuk jabatan lain sebagaimana diperkenankan oleh ketentuan Otoritas Jasa
Keuangan; dan
• Seluruh anggota Direksi telah lulus penilaian kemampuan dan kepatutan dan
telah memperoleh surat persetujuan dari Otoritas Jasa Keuangan.
Governance Structure:
• Total members of Board of Directors based on the Deed of Annual GMS Minutes
No. 19 dated 10 May 2019 are 5 (five) people, consisting of President Director,
Deputy President Director, 2 (two) Board of Directors, and Director of Compliance
and Risk Management;
• Each member of Board of Directors has no family relationship up to the second
degree or financial relationship with other members of Board of Directors and/or
members of Board of Commissioners;
• Members of Board of Directors have no concurrent positions as Commissioner,
Director, or Executive Officer at a bank, company, and/or other financial
institution, except for other positions as permitted by the provisions of the
Financial Services Authority; and
• All members of Board of Directors have passed the fit and proper test and have
obtained an approval letter from the Financial Services Authority.

Uraian (Individu)

Governance Process:
• Direksi melaksanakan tugasnya berdasarkan pada pedoman yang telah
ditetapkan dan senantiasa memperhatikan dan menerapkan prinsip-prinsip tata
kelola dan ketentuan yang berlaku;
• Direksi senantiasa memperhatikan arahan atau nasihat Dewan Komisaris melalui
mekanisme rapat-rapat dalam menjalankan tugasnya;
• Pembahasan berfokus kepada rencana bisnis Bank dan pencapaiannya serta
aspek-aspek yang mempengaruhi pencapaian target dimaksud;
• Direksi dibantu oleh beberapa komite dibawah Direksi serta unit-unit terkait
dalam menjalankan tugas-tugasnya; dan
• Direksi telah mengambil kebijakan dan keputusan strategis melalui mekanisme
rapat Direksi, yang tercermin selama Januari sampai dengan Desember 2019
telah melakukan rapat sebanyak 47 kali dan 13 kali rapat gabungan dengan Dewan
Komisaris.
Governance Process:
• The Board of Directors, in performing its duties, shall follow the established
guidelines and always observe and apply the governance principles and
applicable provisions;
• The Board of Directors always observe the direction or advice from the Board of
Commissioners through meeting mechanism in performing its duties;
• The discussion is focused on the Bank’s Business Plan and its achievements, as
well as aspects affecting the achievement of the intended targets;
• The Board of Directors is assisted by several committees under the Board of
Directors and related units in carrying out their duties; and
• The Board of Directors has taken strategic policies and decisions through the
mechanism of Board of Directors’ meetings, which were reflected from January
to December 2019 by holding 47 meetings and 13 joint meetings with the Board of
Commissioners.
Governance Outcome:
• Pencapaian kinerja tahun 2019 cukup baik. Pencapaian dan kondisi yang terjadi telah
dikomunikasikan pencapaiannya dalam rapat-rapat serta fokus kepada penerapan
strategi yang telah diambil Direksi dengan arahan atau nasihat Dewan Komisaris;
• Bank dapat menjaga pemenuhan kewajiban yang ditetapkan regulator; dan
• Kegiatan operasional Bank telah berjalan dengan baik.
Governance Outcome:
• Performance achievement in 2019 was relatively good. The achievements and
conditions occurred have been communicated in meetings, and the focus on
implementation of strategies taken by the Board of Directors under the direction
or advice of the Board of Commissioners;
• The Bank can maintain the fulfillment of obligations set by the regulator, and
• The Bank’s operational activities have been running well.
Pelaksanaan Tugas dan Tanggung Jawab Dewan 1 Governance Structure:

Komisaris • Berdasarkan Akta Berita Acara RUPS Tahunan No. 19 tanggal 10 Mei 2019, jumlah
Implementation of Duties and Responsibilities of anggota Dewan Komisaris telah memenuhi ketentuan, yaitu terdiri dari 3 (tiga)
the Board of Commissioners orang dan tidak melampaui jumlah Direksi yaitu 5 (lima) orang;
• Anggota Dewan Komisaris telah memenuhi jumlah, komposisi, kriteria,
independensi, serta kompetensi sesuai ketentuan Otoritas Jasa Keuangan;
• Anggota Dewan Komisaris adalah independen, telah memenuhi kriteria
independensi dari Peraturan Otoritas Jasa Keuangan dan seluruh anggota Dewan
Komisaris telah lulus penilaian kemampuan dan kepatutan serta memperoleh
surat persetujuan dari Otoritas Jasa Keuangan;
• 2 (dua) orang anggota Komisaris Independen tidak memiliki hubungan keuangan,
hubungan kepengurusan, hubungan kepemilikan, dan hubungan keluarga
dengan anggota Dewan Komisaris lainnya, anggota Direksi dan/atau Pemegang
Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi
kemampuan untuk bertindak independen; dan
• Dewan Komisaris tidak ada yang merangkap sebagai anggota Dewan Komisaris,
Direksi, atau Pejabat Eksekutif pada Lembaga Keuangan lain kecuali terhadap
hal-hal yang telah ditetapkan dalam Peraturan Otoritas Jasa Keuangan.

Uraian (Individu)

• Based on Deed of Annual GMS Minutes No. 19 dated 10 May 2019, the total
members of Board of Commissioners have complied with the requirement, i.e.
3 (three) members and not exceeding the total members of Board of Directors,
i.e. 5 (five) members;
• Members of Board of Commissioners have met the number, composition,
criteria, independence, and competence in accordance with the provisions of
the Financial Services Authority;
• Members of Board of Commissioners are independent, have fulfilled the
independence criteria of the Financial Services Authority Regulation and all
members of Board of Commissioners have passed the fit and proper test and
obtained an approval letter from the Financial Services Authority;
• 2 (two) members of Independent Commissioners do not have financial,
management, ownership, and family relationship with other members of
Board of Commissioners, members of Board of Directors, and/or Controlling
Shareholders, as well as relationship with the Bank that may influence the ability
to act independently; and
• The Board of Commissioners does not concurrently serve as a member of Board
of Commissioners, Board of Directors, or Executive Officers of other Financial
Institutions except for matters stipulated in the Financial Services Authority
Regulation.
Governance Process:
• Dewan Komisaris telah melakukan pengawasan terhadap kinerja Direksi, dengan
mekanisme melalui rapat-rapat;
• Selama tahun 2019, Dewan Komisaris telah melakukan rapat Dewan Komisaris
sebanyak 9 (sembilan) kali, 13 kali rapat gabungan dengan Direksi, 5 (lima) kali rapat per
Direktorat, dan seluruhnya;
• Dewan Komisaris dalam melaksanakan tugasnya berdasarkan pada pedoman
yang telah ditetapkan serta sangat memperhatikan prinsip-prinsip tata kelola
dan ketentuan yang berlaku;
• Dewan Komisaris telah memberikan arahan atau nasihat kepada Direksi dalam
proses pencapaian target yang telah ditetapkan dalam Rencana Bisnis Bank; dan
• Dalam melakukan tugasnya, Dewan Komisaris dibantu oleh komite-komite yang
berada di bawah Dewan Komisaris.
Governance Process:
• The Board of Commissioners has supervised the performance of the Board of
Directors through meeting mechanism;
• Throughout 2019, the Board of Commissioners held 9 (nine) Board of
Commissioners’ meetings, 13 joint meetings with the Board of Directors, 5 (five)
meetings per Directorate, and all of them were stated in Minutes of Meetings and
well documented;
• The Board of Commissioners, in performing its duties, is based on the
established guidelines and highly observes the governance principles and
applicable regulations;
• The Board of Commissioners has provided direction or advice to the Board of
Directors in the process of achieving the targets specified in the Bank’s Business
Plan; and
• In performing its duties, the Board of Commissioners is assisted by Committees
under the Board of Commissioners.
Governance Outcome:
• Pengarahan atau nasihat dari Dewan Komisaris telah dibahas dalam rapat dan
dituangkan dalam risalah rapat;
• Hasil rapat menjadi salah satu acuan Direksi dalam melaksanakan tugas dan
tanggung jawabnya, dengan tetap berpedoman pada tata kelola, target, dan
pencapaian yang telah ditetapkan dalam Rencana Bisnis Bank;
• Menindaklanjuti rekomendasi yang disampaikan atau dituangkan dalam risalah
rapat dan dimonitor secara berkesinambungan;
• Dalam rangka peningkatan budaya pembelajaran:
» Seluruh anggota Dewan Komisaris Bank telah lulus dalam mengikuti program
Eksekutif Sertifikasi Manajemen Risiko; dan
» Dewan Komisaris ikut serta pada training/workshop.
Governance Outcome:
• The direction or advice from the Board of Commissioners has been discussed in
meetings and set forth in the minutes of meeting;
• Meeting result will be one of the Board of Directors’ references in carrying out
its duties and responsibilities, while still referring to governance, targets and
achievements specified in the Bank’s Business Plan;

Uraian (Individu)

• Following up the recommendations submitted or contained in the minutes of

meetings and monitoring them on an ongoing basis;
• In order to improve learning culture:
» All members of the Bank’s Board of Commissioners have passed the Risk
Management Certification Executive program; and
» The Board of Commissioners participated in training/workshop.
Kelengkapan dan Pelaksanaan Tugas Komite 2 Governance Structure:

Completeness and Implementation of the • Komposisi dan kompetensi anggota Komite telah sesuai dengan ukuran dan
Committee’s Duties kompleksitas usaha Bank; dan
• Anggota Komite Bank yang berasal dari pihak independen, tidak memiliki
hubungan keuangan, kepengurusan, kepemilikan saham, dan/atau keluarga
dengan anggota Dewan Komisaris lainnya, Direksi, dan/atau Pemegang
Saham Pengendali, atau hubungan dengan Bank yang dapat mempengaruhi
independensi anggota komite.
• Composition and competence of the Committee’s members are already in
accordance with the Bank’s business size and complexity; and
• All members of the Bank’s Committee who are from independent parties do not
have financial, management, share ownership, and/or family relationships with
other member of Board of Commissioners, Board of Directors, and/or Controlling
Shareholders or relationship with the Bank, which may affect the independence
of the Committee’s members.
Governance Process:
• Komite bertugas dan bertanggung jawab untuk memberikan pendapat yang
profesional dan independen kepada Dewan Komisaris terhadap laporan atau hal-
hal yang disampaikan oleh Direksi kepada Dewan Komisaris;
• Melaksanakan tugas-tugas lain yang berkaitan dengan tugas Dewan Komisaris;
• Melalui mekanisme rapat-rapat, komite serta unit-unit terkait lainnya telah
membahas berbagai hal, hasilnya dituangkan dalam risalah rapat yang akan
ditindaklanjuti oleh masing-masing unit terkait;
• Selama tahun 2019, komite di bawah Dewan Komisaris telah melakukan rapat
sebagai berikut.
» Komite Audit sebanyak 6 (enam) kali;
» Komite Pemantau Risiko sebanyak 5 (lima) kali;
» Komite Nominasi dan Remunerasi sebanyak 6 (enam) kali; dan
» Komite Tata Kelola Terintegrasi sebanyak 3 (tiga) kali.
Governance Process:
• The Committee has duties and responsibilities to provide independent and
professional opinion to the Board of Commissioners on the reports or matters
submitted by the Board of Directors to the Board of Commissioners.
• Carrying out other duties related to the duties of the Board of Commissioners;
• Through meeting mechanism, the Committees and other related units have
discussed various matters, in which the results are then outlined in minutes of
meetings to be followed up by each related unit;
• Throughout 2019, the committees under the Board of Commissioners held the
following meetings.
» 6 (six) Audit Committee meetings;
» 5 (five) Risk Monitoring Committee meetings;
» 6 (six) Nomination and Remuneration Committee meetings; and
» 3 (three) Integrated Governance Committee meetings.
Governance Outcome:
• Masing-masing komite senantiasa meningkatkan peran aktifnya dalam
menindaklanjuti hal-hal yang dibahas dalam rapat komite;
• Setiap hasil rapat dituangkan dalam risalah rapat oleh pengurus komite,
termasuk pengungkapan apabila ada perbedaan pendapat (dissenting opinions)
dan didokumentasikan dengan baik; dan
• Komite-Komite telah menjalankan fungsinya sesuai dengan koridor dan
mekanisme yang telah ditetapkan dalam pedoman tugas dan tanggung jawabnya.
Governance Outcome:
• Each Committee continues to enhance its active role in following up the issues
discussed in the Committee’s meetings;
• Each meeting result is set forth in minutes of meeting by the committee
management, including disclosure in case of dissenting opinions and is well
documented; and
• The Committees have carried out their functions in accordance with the corridor
and mechanism established in the guidelines of their duties and responsibilities.

Uraian (Individu)

Penanganan Benturan Kepentingan 1 Governance Structure:

Management of Conflict of Interest • Bank telah memiliki kebijakan dan prosedur dalam penyelesaian benturan
kepentingan; dan
• Kebijakan telah mengatur masing-masing elemen yang mengatur proses,
mekanisme, serta personil yang berhak bertindak dalam pelaksanaanya.
• The Bank already has policies and procedures in settling conflict of interest; and
• The policies have regulated each element governing the process, mechanism,
and personnel eligible to act in the settlement process.
Governance Process:
Mengutamakan tindakan pencegahan dan selalu meningkatkan budaya
pembelajaran dan budaya kepatuhan dalam pelaksanaan tugas dan tanggung
jawab, dengan tetap menjunjung tinggi profesionalisme.
Governance Process:
Prioritizing preventive measures and always improving the learning and compliance
culture in the performance of its duties and responsibilities, while upholding
professionalism.
Governance Outcome:
Tidak terdapat benturan kepentingan yang dapat merugikan atau mengurangi
keuntungan bagi Bank.
Governance Outcome:
There are no conflicts of interest that could harm or reduce the Bank’s profits.
Penerapan Fungsi Kepatuhan 2 Governance Structure:

Implementation of Compliance Function • Satuan Kerja Kepatuhan independen terhadap Satuan Kerja Operasional; dan
• Proses pengangkatan, pemberhentian dan/atau pengunduran diri Direktur yang
membawahi kepatuhan telah sesuai dengan ketentuan Otoritas Jasa Keuangan
dan/atau regulator lainnya.
• The Compliance Work Unit is independence against the Operational Work Unit;
and
• The process of appointment, dismissal, and/or resignation of a Director in
charge of compliance unit has been in line with the provisions of Financial
Services Authority and/or other regulators.
Governance Process:
• Dalam pelaksanaan tugasnya, Direktur yang membawahi kepatuhan telah
memastikan kepatuhan Bank terhadap ketentuan yang berlaku;
• Memantau dan menjaga agar kegiatan usaha Bank tidak menyimpang; dan
• Menetapkan langkah-langkah konstruktif dalam mencegah atau memitigasi
terhadap beberapa risiko yang timbul.
Governance Process:
• In performing its duties, the Director in charge of Compliance unit has ensured
the Bank’s compliance with the applicable regulations;
• Monitoring and preventing the Bank’s business activities from deviation; and
• Establishing constructive measures to prevent or mitigate several occurring
risks.
Governance Outcome:
• Telah melaporkan tugas dan tanggung jawab Direktur yang membawahi
kepatuhan sesuai dengan ketentuan Otoritas Jasa Kuangan pada waktu yang
telah ditetapkan; dan
• Bank senantiasa fokus dan peduli terhadap dampak pelanggaran yang mungkin
terjadi, sehingga terbentuk budaya patuh pada masing-masing unit kerja.
Governance Outcome:
• Have reported the duties and responsibilities of the Director in charge of
compliance unit in accordance with the provisions of Financial Services
Authority within the time specified; and
• The Bank always highly focuses and is concerned about the impact of violations
that may occur, thus, forming a compliance culture in each work unit.

Uraian (Individu)

Penerapan Fungsi Audit Internal 2 Governance Structure:

Implementation of Internal Audit Function • Struktur Satuan Kerja Audit Internal Terintegrasi yang dibentuk telah
berdasarkan kebijakan yang berlaku dan independen terhadap unit kerja
lainnya; dan
• Telah memiliki Pedoman Audit Intern dan Piagam Internal Audit Intern yang
mengacu pada Standar Fungsi Pelaksanaan Audit Intern Bank (SFPAIB).
• The structure of the established Integrated Internal Audit Work Unit (SKAI) is
already based on the applicable policies and is independent of other work units;
and
• Have Internal Audit Guidelines and Internal Audit Charter, which refer to Bank’s
Internal Audit Implementation Function Standard (SPFAIB).
Governance Process:
• Pelaksanaan fungsi Audit Intern Bank telah berjalan sesuai dan memenuhi
pedoman intern sesuai dengan standar minimum yang telah ditetapkan dalam
SFPAIB, serta SKAI telah menjalankan fungsinya secara independen dan objektif;
• Melaporkan hasil Audit dan memonitor tindak lanjut penyelesaiannya; dan
• Pelaksanaan kontrol atas transaksi hasian secara day to day dilakukan oleh
Internal Control dan memonitor tindak lanjut penyelesaiannya dengan segera.
Governance Process:
• The implementation of the Bank’s Internal Audit function has been in place
according to and meeting the internal guidelines in accordance with the
minimum standards specified in SPFAIB, and SKAI has performed its functions
independently and objectively;
• Reporting Audit results and monitoring the follow-up of the settlement; and
• Controlling daily transactions by day-to-day, which are carried out by Internal
Control, and monitoring the follow-up of the settlement immediately.
Governance Outcome:
• Laporan telah disampaikan kepada regulator dan pihak terkait serta dimonitor
secara berkala tindak lanjutnya; dan
• Hasil pemeriksaan dilakukan berdasarkan Risk Based Audit.
Governance Outcome:
• Reports have been submitted to regulators and related parties and their follow-
ups are monitored regularly; and
• Audit results are made based on Risk-Based Audit.
Fungsi Audit Eksternal 2 Governance Structure:

Implementation of External Audit Function Penugasan audit kepada akuntan publik telah memenuhi persayaratan yang telah
ditetapkan.
Audit assignment to public accountant has met the specified requirements.
Governance Process:
• Penunjukkan akuntan publik telah melalui mekanisme yang diatur dalam
kebijakan;
• Penunjukkan akuntan publik dan kantor akuntan publik telah sesuai dengan
rekomendasi dari Komite Audit melalui Dewan Komisaris yang telah mendapat
wewenang dari RUPS;
• Akuntan publik telah melakukan audit secara independen dan profesional; dan
• Akuntan publik telah melaporkan hasil auditnya sesuai dengan waktu dan
menyampaikannya kepada pihak-pihak penerima laporan hasil audit.
Governance Process:
• Appointment of public accountant has followed the mechanism set forth in
policies;
• Appointment of public accountant and public accountant firm is already in
accordance with Audit Committee’s recommendations through the Board of
Commissioners, which has been authorized by the GMS;
• The public accountant has conducted the audit independently and professionally;
and
• The public accountant has reported the audit results within the specified time
and submitted it to the recipients of the audit report.

Uraian (Individu)

Governance Outcome:
• Pelaksanaan audit oleh akuntan publik senantiasa bertindak objektif,
independen, serta sesuai dan telah memenuhi persyaratan terhadap ketentuan
yang berlaku; dan
• Hasil audit dan management letter telah disampaikan secara tepat waktu kepada
Otoritas Jasa Keuangan oleh kantor akuntan publik yang ditunjuk.
Governance Outcome:
• The audit conducted by the public accountant is always objective and
independent, and is in accordance with and has met the requirements of the
applicable provisions; and
• Audit results and management letter have been submitted in a timely manner to
the Financial Services Authority by the appointed public accountant firm.
Penerapan Manajemen Risiko, termasuk Sistem 2 Governance Structure:

Pengendalian Internal • Bank telah memiliki struktur yang memadai dalam mendukung penerapan
Implementation of Risk Management, manajemen risiko dan pengendalian internal; dan
including Internal Control System • Bank telah memiliki kebijakan manajemen risiko sebagai pedoman dalam
pelaksanaan tugas-tugasnya.
• The Bank already has an adequate structure to support the implementation of
risk management and internal control; and
• The Bank already has risk management policy as a guideline in implementing the
duties.
Governance Process:
• Dewan Komisaris dan Direksi telah mengevaluasi dan menyetujui kebijakan yang
akan digunakan sebagai pedoman dalam penerapan manajemen risiko maupun
pengendalian internal; dan
• Bank senantiasa mengembangkan dan membangun budaya manajemen risiko
termasuk kesadaran risiko pada seluruh jenjang organisasi.
Governance Process:
• The Board of Commissioners and Board of Directors have evaluated and
approved the policy to be used as a guideline to implement risk management and
internal control; and
• The bank always develops and builds risk management culture including risk
awareness at all organizational levels.
Governance Outcome:
• Bank telah menerapkan fungsi manajemen risiko dan pengendalian intern Bank
sesuai dengan tujuan, kebijakan, ukuran dan kompleksitas usaha Bank, serta
risiko yang dihadapi Bank; dan
• Bank senantiasa melakukan aktivitas proses bisnis dengan memperhatikan
kemampuan permodalan.
Governance Outcome:
• The Bank has implemented the risk management and internal control functions
in accordance with the Bank’s business objectives, size, and complexity, as well
as the risks faced by the Bank; and
• The Bank always conducts business process activities by considering the capital
capability.
Penyediaan Dana Kepada Pihak Terkait 2 Governance Structure:

(Related Party) dan Penyediaan Dana Besar (Large Bank telah memiliki kebijakan, sistem, dan prosedur tertulis yang memadai untuk
Exposure) penyediaan dana kepada pihak terkait dan penyediaan dana besar.
Provision of Fund to Related Party and Governance Structure:
Provision of Large Exposure The Bank already has adequate written policies, systems, and procedures for the
provision of funds to related parties and provision of large exposures.
Governance Process:
• Bank secara berkala mengevaluasi dan menginikan kebijakan, sistem, dan prosedur;
• Proses penyedian dana kepada pihak terkait dan large exposure dipantau dan
dikaji oleh beberapa unit kerja, termasuk unit yang membawahi kepatuhan; dan
• Kajian yang dilakukan termasuk prinsip kehati-hatian dalam penyediaan dana
kelompok peminjam dan kelompok pihak terkait dengan Bank.
Governance Process:
• The Bank periodically evaluates and updates its policies, systems, and
procedures;
• The process of providing funds to related parties and large exposure are
monitored and reviewed by several work units, including the compliance unit;
and
• The review includes the principle of prudence in the provision of funds to
borrowers’ groups and groups of parties related to the Bank.

Uraian (Individu)

Governance Outcome:
Tidak terdapat pelanggaran BMPK, namun terjadi pelampauan BMPK akibat
perubahan ketentuan Otoritas Jasa Keuangan. Pelampauan telah dilaporkan dan
ditindaklanjuti sesuai ketentuan.
Governance Outcome:
There was no violation of LLL, but there was an exceedance of LLL due to
amendments to the provisions of Financial Services Authority. Such exceedance
has been reported and followed-up according to the provisions.
Transparansi Kondisi Keuangan dan Non 1 Governance Structure:

Keuangan Bank, Laporan Pelaksanaan GCG, dan • Bank memiliki kebijakan dan prosedur mengenai tata cara pelaksanaan
Pelaporan Internal transparansi kondisi keuangan dan non keuangan; dan
Transparency of the Bank’s Financial and • Bank telah menyusun Laporan Pelaksanaan Tata Kelola setiap semester dan
Non-Financial Condition, GCG Implementation akhir tahun buku dengan cakupan sesuai ketentuan yang berlaku.
Report, and Internal Reporting Governance Structure:
• The Bank has policies and procedures on the ordinance of transparency of
financial and non financial conditions; and
• The Bank has prepared the Governance Implementation Report every semester
and end of fiscal year with coverage according to the applicable regulations.
Governance Process:
• Bank menyusun dan menyajikan laporan dengan tata cara, jenis, dan cakupan
sebagaimana diatur dalam ketentuan Bank Indonesia dan/atau Otoritas Jasa
Keuangan tentang Transparansi Kondisi Keuangan; dan
• Bank telah menyusun Laporan Pelaksanaan Tata Kelola dengan isi dan cakupan
sesuai dengan ketentuan yang berlaku.
Governance Process:
• The Bank prepares and presents the reports in the manner, type, and scope
as stipulated in the provisions of Bank Indonesia and/or Financial Services
Authority on Transparency of Financial Condition; and
• The Bank has prepared the Governance Implementation Report in which its
content and coverage is in accordance with the applicable regulations.
Governance Outcome:
Bank telah menyampaikan informasi keuangan dan non keuangan secara
transparan kepada publik melalui homepage Bank. Cakupan informasi keuangan
dan non keuangan tersebut disampaikan tepat waktu, lengkap, dan akurat.
Governance Outcome:
The Bank has published its financial and non financial information transparently to
the public through the Bank’s homepage. The scope of financial and non financial
information is delivered in a timely, complete, and accurate manner.
Rencana Strategis Bank 2 Governance Structure:

Bank’s Strategic Plans Rencana stratgis Bank telah disusun dalam rencana bisnis sesuai dengan visi dan
misi Bank.
The Bank’s strategic plans have been outlined in the business plan according to the
Bank’s vision and mission.
Governance Process:
• Rencana Bisnis Bank (RBB) disusun secara realistis dengan memperhatikan
faktor eksternal maupun internal, prinsip kehati-hatian, serta disesuaikan
dengan visi dan misi Bank;
• Direksi telah mengomunikasikan Rencana Bisnis Bank dengan elemen-elemen
terkait;
• Direksi telah melaksanakan Rencana Bisnis Bank dengan cukup baik; dan
• Rencana Strategis Bank telah dikomunikasikan di dalam rapat-rapat Direksi dan
Dewan Komisaris.
Governance Process:
• The Bank’s Business Plan (RBB) is prepared realistically by considering the
external and internal factors, prudential principles, and adjustments to the
Bank’s Vision and Mission.
• The Board of Directors has communicated the Bank’s Business Plan with the
related elements;
• The Board of Directors has implemented the Bank’s Business Plan relatively well;
and
• The Bank’s Strategic Plans have been communicated in meetings of Board of
Directors and Board of Commissioners.

Uraian (Individu)

Governance Outcome:
• Rencana bisnis telah disusun oleh Direksi dan disetujui oleh Dewan Komisaris;
• Rencana Strategis Bank menjadi acuan dalam melaksanakan tindakan-tindakan
strategis Bank, seperti pembukaan kantor cabang dan penerbitan surat berharga;
• Pencapaian kinerja tahun 2019 cukup baik. Pencapaian dan kondisi yang terjadi telah
dikomunikasikan pencapaiannya dalam rapat-rapat serta fokus kepada penerapan
strategi yang telah diambil Direksi dengan arahan atau nasihat Dewan Komisaris; dan
• Kondisi realisasi bisnis telah dikomunikasikan Direksi kepada Pemegang Saham,
sehingga terjalin komunikasi yang kondusif dan telah dirumuskan beberapa
langkah untuk perbaikan secara berkesinambungan.
Governance Outcome:
• The business plan has been prepared by the Board of Directors and approved by
the Board of Commissioners;
• The Bank’s Strategic Plans become references in implementing the Bank’s
strategic actions, such as opening branch offices and issuing marketable
securities;
• Performance achievement in 2019 was relatively good. The achievements and
conditions occurred have been communicated in meetings, and focused on
implementation of strategies taken by the Board of Directors under the direction
or advice of the Board of Commissioners; and
• The condition of business realization has been communicated by the Board of
Directors to Shareholders, resulting in conducive communication and several
steps for continuous improvement have been formulated.
Rekomendasi dan Tindak Lanjut Recommendations and Follow-Up on GCG

Asesmen GCG Assessment
Pada tahun 2019, hasil self assessment GCG Bank Victoria dalam In 2019, Bank Victoria’s GCG self-assessment results on GCG
implementasi GCG menunjukkan adanya beberapa rekomendasi implementation showed a number of recommendations
yang perlu ditindaklanjuti agar kualitas implementasi GCG that needed to be followed up so that the quality of GCG
terus meningkat. Rekomendasi hasil self assessment GCG dan implementation continues to improve. The recommendations
pelaksanaan tindak lanjutnya ditunjukkan sebagai berikut. of GCG self-assessment results and the follow-up actions are
outlined as follows.
Rekomendasi Tindak Lanjut

Recommendation Follow-Up
Bank perlu meningkatkan kompetensi dan kemampuan di bidang Sesuai dengan RBB, Bank telah meningkatkan kompetensi dan kemampuan
penanganan kredit jaringan kantor. pejabat Bank di jaringan kantor dalam menangani kredit, termasuk
The Bank needs to improve its competence and ability in managing the pemberian kredit dan penyelesaian kredit bermasalah.
office network credit. In line with the RBB, the Bank has increased the competence and ability of
Bank officials in the office network to manage loans, including in distributing
Bank perlu meningkatkan analisa terkait proses pemberian kredit dan loans and resolving non-performing loans.
penyelesaian kredit bermasalah.
The Bank needs to improve the analysis related to the process of granting
loans and solving non-performing loans.
Masih terdapat denda dan fraud serta meningkatnya kredit bermasalah atau Bank terus mengupayakan pengelolaan perusahaan secara optimal sehingga
NPL. dapat menghindari terjadinya sanksi dan teguran regulator. Pemantauan
There are still fines and fraud and increasing non-performing loans or NPL. terhadap kredit bermasalah juga terus diupayakan oleh pejabat di jaringan
kantor dan kantor pusat.
The Bank continues to strive for optimal Company management in order
to avoid sanction and reprimand from the regulator. Monitoring of non-
performing loans is also pursued by officials in the office network and head
office.

Peningkatan Kualitas Implementasi GCG Improving Quality of GCG Implementation

dan Benchmarking and Benchmarking
Peningkatan kualitas implementasi GCG dapat dibagi dalam Improving the quality of GCG implementation can be divided into
2 (dua) konteks, yaitu: 2 (two) contexts, which are:
1. Peningkatan kualitas untuk mencapai standar yang 1. Increasing the quality to achieve the standards that have
telah ditetapkan. Hal ini dilakukan melalui tindak lanjut been determined. This is conducted through the follow-
rekomendasi self assessment GCG serta tindak lanjut temuan up of GCG self-assessment recommendations as well as
dan rekomendasi audit internal dan audit eksternal, seperti follow-up on internal audit and external audit findings and
kantor akuntan publik, Bank Indonesia, dan Otoritas Jasa recommendations, such as from public accounting firm, Bank
Keuangan. Selanjutnya, tindak lanjut rekomendasi tersebut Indonesia, and Financial Services Authority. Subsequently,
akan dipantau dan dilaporkan kembali kepada Direksi, Dewan the follow-up on such recommendations will be monitored
Komisaris, serta regulator terkait. and reported back to the Board of Directors, Board of
Commissioners, and relevant regulators.
2. Peningkatan kualitas dari standar yang telah dicapai. Dalam 2. Increasing the quality of the standards that have been
meningkatkan kualitas melebihi standar yang telah dicapai, achieved. To improve the quality so as to exceed the
Bank dapat melakukan benchmarking terhadap bank dengan standards achieved, the Bank may perform benchmarking
kategori dan level yang sama atau lebih tinggi. Melalui proses to other banks that have equal or higher category or level.
tersebut, Bank akan mendapatkan gambaran tentang praktik Through such process, the Bank will obtain an overview of
terbaik dari implementasi GCG di industri perbankan. best practices of GCG implementation in banking industry.
Manfaat Implementasi GCG

// Benefit of GCG Implementation
Manfaat yang diperoleh Bank dalam implementasi GCG meliputi: Benefits obtained by the Bank in implementing GCG include:
1. Segi Operasional, Bank telah mencapai kategori Bank BUKU II 1. From Operational perspective, the Bank has reached BUKU
dan telah memperluas layanan dengan menyediakan layanan II Bank category and has expanded its services by providing
devisa; foreign exchange services;
2. Segi Keuangan, Bank memiliki struktur permodalan yang 2. From Financial perspective, the Bank has an increasingly
semakin kokoh dengan kinerja keuangan yang stabil; robust capital structure with stable financial performance;
3. Segi tata kelola, tingkat kesehatan Bank dari hasil self 3. From Governance perspective, the Bank’s sound level from
assessment GCG selalu berada dalam kategori “Baik” dengan the GCG self-assessment results is always in “Good” category
tingkat risiko komposit “Low to Moderate”; with “Low t o Moderate” composite risk level;
4. Segi keberlanjutan usaha yang akan datang, Bank memiliki 4. From the perspective of future business sustainability, the
peluang pertumbuhan yang besar berdasarkan hasil analisa Bank has great growth opportunity based on the results
strengths, weaknesses, oportunities, threats (SWOT). of SWOT (strengths, weaknesses, opportunism, threats)
analysis.

Implementasi Tata Kelola Perusahaan Terbuka

// Implementation of Corporate Governance of Public Company
Pelaksanaan penerapan aspek dan prinsip tata kelola perusahaan Implementation of governance aspects and principles of public
terbuka diatur dalam Peraturan Otoritas Jasa Keuangan No. company is stipulated in the Financial Services Authority
21/ POJK.04/2015 tentang Penerapan Pedoman Tata Kelola Regulation No. 21/POJK.04/2015 on Implementation of Corporate
Perusahaan Terbuka dan Surat Edaran Otoritas Jasa Keuangan Governance of Public Company and Circular of Financial Services
No 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Authority No. 32/SEOJK.04/2015 on Corporate Governance
terbuka, yang mengatur tentang 5 (lima) aspek, 8 (delapan) prinsip Guidelines of Public Company, which governs 5 (five) aspects,
dan 24 rekomendasi penerapan prinsip tata kelola. Implementasi 8 (eight) principles, and 24 recommendations to implement
Pedoman Tata Kelola Perusahaan Terbuka di Bank Victoria governance principles. The implementation of Public Company’s
dijelaskan sebagai berikut. Corporate Governance Guidelines at Bank Victoria is described as
follows.
Aspek/Prinsip/
Rekomendasi Uraian Rekomendasi Pemenuhan Realisasi
No.
Aspects/Principles/ Description Recommendations Fulfillment Realization
Recommendations
Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham.
I.
Relationship between the Public Company and Shareholders in Guaranteeing the Shareholders’ Rights.
Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS).

1.
Increasing the Value of Convening General Meeting of Shareholders (GMS).
a. Perusahaan terbuka memiliki • Setiap saham dengan hak suara yang dikeluarkan Terpenuhi Bank Victoria telah memiliki cara atau
cara atau prosedur teknis mempunyai satu hak suara (one share one vote). Comply prosedur teknis voting, baik secara
pengumpulan suara (voting), Pemegang Saham dapat menggunakan hak terbuka maupun tertutup, yang diatur
baik secara terbuka maupun suaranya pada saat pengambilan keputusan, dalam Anggaran Dasar Bank Pasal 14
tertutup yang mengedepankan terutama dalam pengambilan keputusan dengan tentang Keputusan, Kuorum, Kehadiran,
independensi, dan kepentingan cara voting. Namun demikian, mekanisme Keputusan dalam RUPS dan Risalah
Pemegang Saham. pengambilan keputusan dengan cara voting, baik RUPS. Informasi tentang tata tertib
Public Company has technical secara terbuka maupun tertutup belum diatur RUPS telah dimuat dalam Kuorum situs
voting methods or procedures, secara rinci. web Bank dan dibacakan pada awal
either open or close, •
Perusahaan terbuka direkomendasikan pelaksanaan RUPS. Demikian juga,
prioritizing independence and mempunyai prosedur pengambilan suara dalam informasi tentang pelaksanaan voting
interest of Shareholders. pengambilan keputusan atas suatu mata acara pada saat RUPS telah dimuat dalam
RUPS. Adapun prosedur voting tersebut harus setiap risalah RUPS Bank, termasuk
menjaga independensi ataupun kebebasan risalah RUPS Tahunan yang dilaksanakan
Pemegang Saham. Sebagai contoh, dalam pada 10 Mei 2019 dan RUPS Luar Biasa
voting secara terbuka dilakukan dengan cara pada 1 Maret 2019.
mengangkat tangan sesuai dengan instruksi Bank Victoria has a voting technical
pilihan yang ditawarkan oleh pimpinan RUPS. means or procedures, whether open or
Sedangkan, dalam voting secara tertutup closed, as set forth in Bank’s Articles
dilakukan pada keputusan yang membutuhkan of Association Article 14 on Decision,
kerahasiaan ataupun atas permintaan Pemegang Quorum, Attendance, Quorum of
Saham, dengan cara menggunakan kartu suara Decisions in GMS and Minutes of GMS.
ataupun dengan penggunaan electronic voting. The information on the GMS procedures
• Every issued share with voting rights has one was posted on Bank’s website and read
vote (one share one vote). Shareholders can use out at the beginning of the GMS. Also, the
their votes during decision making, especially information on voting during the GMS has
in decision making by voting. However, decision been published in every minutes of Bank’s
making mechanism by voting, either open or GMS, including the minutes of the Annual
close, has not been regulated in details. GMS held on 1 March 2019.
• Public Companies are recommended to have

procedure of voting in decision making of
one GMS agenda. The voting procedure must
maintain the independence or freedom of the
Shareholders. As an example, in open voting, it
is done by raising hands following the instruction
of selection offered by GMS Chair. Whereas
in closed voting, it is done for decision that
needs confidentiality or upon request by the
Shareholders by using voting card or electronic
voting.

Aspek/Prinsip/
No.
Recommendations
b. Seluruh anggota Direksi dan
Kehadiran seluruh anggota Direksi dan anggota Terpenuhi Seluruh Dewan Komisaris dan Direksi
anggota Dewan Komisaris Dewan Komisaris perusahaan terbuka bertujuan Comply Bank Victoria menghadiri RUPS
Perusahaan Terbuka hadir agar setiap anggota Direksi dan anggota Dewan Tahunan yang dilaksanakan pada 10
dalam RUPS Tahunan. Komisaris dapat memperhatikan, menjelaskan Mei 2019. Informasi pelaksanaan RUPS
All members of Board of dan menjawab secara langsung permasalahan Tahunan tersebut disampaikan dalam
Directors and members of yang terjadi atau pertanyaan yang diajukan oleh pembahasan terkait Rapat Umum
Board of Commissioners of Pemegang Saham terkait mata acara dalam RUPS. Pemegang Saham dalam bab Tata Kelola
Public Company attend the Attendance of all member of Board of Directors Perusahaan di dalam Laporan Tahunan
Annual GMS. and members of Board of Commissioners of ini.
Public Company is intended so that each member All members of Board of Commissioners
of Board of Directors and member of Board of and Board of Directors of Bank Victoria
Commissioners can notice, explain, and answer have attended the Annual General
directly on every problem occurred or questioned Meeting of Shareholders held on 10 May
asked by the Shareholders in regard of the items in 2019. Information related to the Annual
GMS agenda. General Meeting of Shareholders is given
in the discussion of the General Meeting
of Shareholders in Corporate Governance
chapter of this Annual Report.
c. Ringkasan risalah RUPS Perusahaan terbuka wajib membuat ringkasan risalah Terpenuhi Ringkasan risalah RUPS telah dimuat
tersedia dalam situs web RUPS dalam Bahasa Indonesia dan bahasa asing Comply dalam situs web Bank serta telah dimuat
Perusahaan Terbuka paling (minimal dalam Bahasa Inggris), serta diumumkan dalam Harian Surat Kabar Kontan tanggal
sedikit selama 1 (satu) tahun. 2 (dua) hari kerja setelah RUPS diselenggarakan 14 Mei 2019.
Summary of GMS Minutes is kepada masyarakat, yang salah satunya melalui situs The summary of the minutes of the GMS
available on the Company’s web perusahaan terbuka. Ketersediaan ringkasan has been published on Bank’s website
Website for at least 1 (one) year. risalah RUPS pada situs web perusahaan terbuka in Indonesian and English, and has been
memberikan kesempatan bagi Pemegang Saham yang published in the Kontan Daily Newspaper
tidak hadir untuk mendapatkan informasi penting on 14 May 2019.
dalam penyelenggaraan RUPS secara mudah dan
cepat. Oleh karena itu, ketentuan tentang jangka
waktu minimal ketersediaan ringkasan risalah RUPS
di situs web dimaksudkan untuk menyediakan
kecukupan waktu bagi Pemegang Saham untuk
memperoleh informasi tersebut.
Public Company must make the summary of GMS
resolution in Indonesian and foreign language
(at least in English) and announce it in 2 (two)
business days after GMS is convened to public, in
which one way is through the Company’s Website.
The availability of the summary of GMS resolution
on the company’s website gives opportunity to
Shareholders who cannot attend to obtain important
information in GMS easily and fast. Therefore,
provision on the minimum period of availability of
the summary of GMS resolution on the Website is
intended to give adequate time for Shareholders to
obtain the information.

Aspek/Prinsip/
No.
Recommendations
Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
2.
Increasing the Communication Quality of the Public Company and Shareholders or Investors.
a. Perusahaan Terbuka memiliki • Adanya komunikasi antara perusahaan terbuka Terpenuhi Bank Victoria memiliki kebijakan
suatu kebijakan komunikasi dengan Pemegang Saham atau investor Comply komunikasi dengan Pemegang Saham
dengan Pemegang Saham atau dimaksudkan agar para Pemegang Saham yang diatur dalam Anggaran Dasar Bank
investor. atau investor mendapatkan pemahaman lebih terkait RUPS. Berdasarkan kebijakan
Public Company has jelas atas informasi yang telah dipublikasikan tersebut, Bank mengungkapkan
communication policy with the kepada masyarakat, seperti laporan berkala, informasi-informasi yang relevan kepada
Shareholders or Investors. keterbukaan informasi, kondisi atau prospek Pemegang Saham dan menyediakan
bisnis dan kinerja, serta pelaksanaan tata kelola sarana komunikasi bagi Pemegang
perusahaan terbuka. Di samping itu, Pemegang Saham untuk mengetahui secara
Saham atau investor juga dapat menyampaikan langsung informasi tentang Bank, yaitu
masukan dan opini kepada manajemen melalui Sekretaris Perusahaan.
perusahaan terbuka. Bank Victoria has a communication
• Kebijakan komunikasi dengan para Pemegang policy with the Shareholders, which
Saham atau investor menunjukan komitmen among others is regulated in Bank’s
perusahaan terbuka dalam melaksanakan Articles of Association related to the
komunikasi dengan para Pemegang Saham GMS. Under such policy, Bank discloses
atau investor. Dalam kebijakan tersebut dapat relevant information to the Shareholders
mencakup strategi, program, dan waktu and provides a means of communication
pelaksanaan komunikasi, serta panduan yang for Shareholders to know directly the
mendukung Pemegang Saham atau investor information about the Bank through the
untuk berpartisipasi dalam komunikasi tersebut. Corporate Secretary.
• The communication between public company and

Shareholders or investors is intended to enable
the Shareholders or investors to gain clearer
understanding of publicly available information,
such as periodic reports, information disclosure,
business or performance conditions and
prospects, and the implementation of corporate
governance. In addition, Shareholders or
investors may also submit feedback and opinions
to public company’s management.
• Communication policy with the Shareholders
or investors indicates the commitment of
public company in communicating with the
shareholders or investors. Such policies may
include strategies, programs, and timelines
of communication, as well as guidelines that
support the Shareholders or investors to
participate in such communications.
b. Perusahaan Terbuka Pengungkapan kebijakan komunikasi merupakan Terpenuhi Pengungkapan terkait kebijakan
mengungkapkan kebijakan bentuk transparansi atas komitmen perusahaan Comply komunikasi kepada Pemegang Saham
komunikasi Perusahaan terbuka dalam memberikan kesetaraan kepada atau investor disampaikan pada Laporan
Terbuka dengan Pemegang semua Pemegang Saham atau investor atas Tahunan Perseroan yang telah dimuat
Saham atau investor dalam pelaksanaan komunikasi. Pengungkapan informasi dalam website Perseroan bagian
situs web. tersebut juga bertujuan untuk meningkatkan Hubungan Investor.
Public Company discloses partisipasi dan peran Pemegang Saham atau Disclosure of the communication policy
the communication policy investor dalam pelaksanaan program komunikasi to Shareholders or investors is presented
of Public Company with perusahaan terbuka. in the Company’s Annual Report that has
Shareholders or investors in The disclosure of communication policy is a form been posted on the Company’s website in
the website. of transparency of public company’s commitment the Investor Relations section.
in giving equality to all Shareholders or investors
for the implementation of communication. The
disclosure of such information also aims to increase
the participation and role of Shareholders or
investors in the implementation of public company’s
communication program.

Aspek/Prinsip/
No.
Recommendations
Fungsi dan Peran Dewan Komisaris.
II.
Functions and Roles of the Board of Commissioners.
Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.

3.
Strengthening Membership and Composition of the Board of Commissioners.
a. Penentuan jumlah Jumlah anggota Dewan Komisaris dapat Terpenuhi Penentuan jumlah anggota Dewan
anggota Dewan Komisaris memengaruhi efektivitas pelaksanaan tugas dari Comply Komisaris Bank Victoria telah sesuai
mempertimbangkan kondisi Dewan Komisaris. Penentuan jumlah anggota dengan Anggaran Dasar Bank, Board of
Perusahaan Terbuka. Dewan Komisaris perusahaan terbuka wajib Commissioners Charter (BOC Charter)
The determination of number mengacu kepada ketentuan peraturan perundang- yang telah disahkan melalui Surat
of Board of Commissioners undangan yang berlaku, yang paling kurang terdiri Keputusan Dewan Komisaris No. 001/
considers the condition of the dari 2 (dua) orang berdasarkan ketentuan Peraturan SK-KOM/04/19 tanggal 10 April 2019,
Public Company. Otoritas Jasa Keuangan tentang Direksi dan Dewan dan Peraturan Otoritas Jasa Keuangan
Komisaris Emiten atau Perusahaan Publik. Selain itu, tentang Direksi dan Dewan Komisaris
perlu juga mempertimbangkan kondisi perusahaan Emiten atau Perusahaan Publik. Dewan
terbuka yang antara lain yang meliputi karakteristik, Komisaris beranggotakan 3 (tiga) orang
kapasitas, dan ukuran, serta pencapaian tujuan dan dari 2 (dua) orang diantaranya
dan pemenuhan kebutuhan bisnis yang berbeda merupakan Komisaris Independen.
diantara perusahaan terbuka. Namun demikian, Jumlah tersebut dianggap telah sesuai
jumlah anggota Dewan Komisaris yang terlalu besar dengan kompleksitas usaha Bank saat
berpotensi mengganggu efektivitas pelaksanaan ini.
fungsi Dewan Komisaris. The determination of the number of
The number of members of the Board of members of the Board of Commissioners
Commissioners may affect the effectiveness of the of Bank Victoria is in accordance with
execution of duties of the Board of Commissioners. Bank’s Articles of Association, Board of
The determination of the number of members of the Commissioners Charter (BOC Charter)
Board of Commissioners of a public company must ratified by the Decision Letter of the
refer to the applicable laws and regulations, which Board of Commissioners No. 001/SK-
is at least 2 (two) persons based on the provisions KOM/04/19 dated 10, April 2019, and the
of the FSA Regulation on the Board of Directors FSA Regulation on the Board of Directors
and the Board of Commissioners of the Issuers or and Board of Commissioners of Issuers
Public Companies. In addition, it is also necessary or Public Companies. The Board of
to consider the conditions of public company Commissioners has 3 (three) members
including, among other things, the characteristics, and 2 (two) of them are Independent
capacities, and measures, and the achievement Commissioners. This number is
of objectives and the fulfillment of different considered to be fit to the complexity of
business needs among the public companies. Bank’s current business.
However, the large number of members of the
Board of Commissioners will potentially disrupt the
effectiveness of the implementation of the Board of
Commissioners’ functions.
b. Penentuan komposisi Komposisi Dewan Komisaris merupakan kombinasi Terpenuhi Anggota Dewan Komisaris terdiri dari
anggota Dewan Komisaris karakteristik, baik dari segi organ Dewan Komisaris Comply orang-orang yang profesional dan
memperhatikan keberagaman maupun anggota Dewan Komisaris secara kompeten di bidangnya, dengan beragam
keahlian, pengetahuan, dan individu, sesuai dengan kebutuhan perusahaan keahlian, pengetahuan dan pengalaman
pengalaman yang dibutuhkan. terbuka. Karakteristik tersebut dapat tercermin yang sesuai dengan bisnis Perseroan.
The determination of dalam penentuan keahlian, pengetahuan, dan Keberagaman komposisi Dewan
composition of the Board of pengalaman yang dibutuhkan dalam pelaksanaan Komisaris telah disampaikan dalam
Commissioners considers the tugas pengawasan dan pemberian nasihat oleh pembahasan terkait Dewan Komisaris
range of expertise, knowledge, Dewan Komisaris perusahaan terbuka. Komposisi dalam bab Tata Kelola Perusahaan di
and experience required. yang telah memperhatikan kebutuhan perusahaan dalam Laporan Tahunan ini.
terbuka merupakan suatu hal yang positif, Members of the Board of Commissioners
khususnya terkait pengambilan keputusan dalam consist of professional and competent
rangka pelaksanaan fungsi pengawasan yang persons, with wide range of expertise,
dilakukan dengan mempertimbangkan berbagai knowledge, and experience relevant to
aspek yang lebih luas. the Company’s business. The diversity
The composition of Board of Commissioners is of the composition of the Board of
a combination of characteristics either as organ Commissioners has been presented in
of the Board of Commissioners or as members the relevant discussions of the Board of
of the Board of Commissioners individually, Commissioners in Corporate Governance
according to the needs of the Public Company. chapter of this Annual Report.
These characteristics are reflected in determining
expertise, knowledge, and experience required in
implementing supervisory and advisory duties by
the Board of Commissioners of a Public Company.
The composition that has been attentive to the
needs of a Public Company is a positive matter,
particularly related to decision making in regard of
implementing supervisory function conducted by
considering various wider aspects.

Aspek/Prinsip/
No.
Recommendations
Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
4.
Increasing the Quality of Implementation of Duties and Responsibilities of the Board of Commissioners.
a. Dewan Komisaris mempunyai • Kebijakan self assessment Dewan Komisaris Terpenuhi Dewan Komisaris Bank Victoria
kebijakan self assessment merupakan suatu pedoman yang digunakan Comply telah memiliki kebijakan terkait self
untuk menilai kinerja Dewan sebagai bentuk akuntabilitas atas penilaian assessment yang ditetapkan dalam BOC
Komisaris. kinerja Dewan Komisaris secara kolegial. Self Charter terkait Evaluasi Kinerja Dewan
The Board of Commissioners assessment atau penilaian sendiri dilakukan Komisaris.
has self assessment policy to oleh masing-masing anggota untuk menilai The Board of Commissioners of Bank
assess the performance of the pelaksanaan kinerja Dewan Komisaris secara Victoria has a policy related to self
Board of Commissioners. kolegial, dan bukan menilai kinerja individual assessment as stipulated in the BOC
masing-masing anggota Dewan Komisaris. Charter on the Performance Evaluation
Dengan adanya self assessment ini diharapkan of the Board of Commissioners.
masing-masing anggota Dewan Komisaris dapat
berkontribusi untuk memperbaiki kinerja Dewan
Komisaris secara berkesinambungan.
• Kebijakan tesebut dapat mencakup kegiatan
penilaian yang dilakukan beserta maksud dan
tujuan, waktu pelaksanaan yang secara berkala,
dan tolok ukur atau kriteria penilaian yang
digunakan sesuai dengan rekomendasi yang
diberikan oleh fungsi nominasi dan remunerasi
perusahaan terbuka, dimana adanya fungsi
tersebut telah diwajibkan dalam Peraturan Otoritas
Jasa Keuangan tentang Komite Nominasi dan
Remunerasi Emiten atau Perusahaan Publik.
• The Board of Commissioners’ self-assessment

policy is a guideline used as a form of
accountability for the performance of the Board
of Commissioners in a collegial manner. Self
assessment is conducted by each member
to assess the performance of the Board of
Commissioners in a collegial manner, rather than
assessing the individual performance of each
member of the Board of Commissioners. With
this self assessment, it is expected that each
member of the Board of Commissioners can
contribute to improve the performance of the
Board of Commissioners on an ongoing basis.
• The policy may include the assessment activities
undertaken along with their purposes and
objectives, time of execution periodically, and
benchmarks or assessment criteria used in
accordance with the recommendations given
by the nomination and remuneration function
of public company, in which the functions are
required in the FSA Regulation on the Nomination
and Remuneration Committee of Issuers or
Public Companies.
b. Kebijakan self assessment Pengungkapan kebijakan self assessment atas Terpenuhi Dewan Komisaris telah melaksanakan
untuk menilai kinerja Dewan kinerja Dewan Komisaris dilakukan tidak hanya Comply self assessment secara konsisten setiap
Komisaris, diungkapkan untuk memenuhi aspek transparansi sebagai tahun berdasarkan BOC Charter. Uraian
melalui Laporan Tahunan bentuk pertanggungjawaban atas pelaksanaan terkait pelaksanaan self assessment
Perusahaan Terbuka. tugasnya, namun juga untuk memberikan keyakinan, Dewan Komisaris telah disampaikan
Self assessment policy to khususnya kepada para Pemegang Saham atau dalam pembahasan terkait Dewan
assess the performance of investor atas upaya-upaya yang perlu dilakukan Komisaris dalam bab Tata Kelola
the Board of Commissioners dalam meningkatkan kinerja Dewan Komisaris. Perusahaan di dalam Laporan Tahunan
is disclosed through the Public Dengan adanya pengungkapan tersebut, Pemegang ini.
Company Annual Report. Saham atau investor mengetahui mekanisme check
and balance terhadap kinerja Dewan Komisaris.

Aspek/Prinsip/
No.
Recommendations
The disclosure of self assessment policy on the Based on the BOC Charter, the Board
performance of the Board of Commissioners is of Commissioners conducts self
conducted not only to fulfill the transparency aspect -assessment consistently annually.
as a form of responsibility for the performance of its Description of the implementation
duties, but also to provide confidence, especially of the Board of Commissioners’ self-
to the Shareholders or investors on the efforts that assessment has been presented in
need to be made to improve the performance of the the relevant discussion of the Board
Board of Commissioners. With such disclosure, the of Commissioners in the Corporate
Shareholders or investors know the mechanism of Governance chapter in this Annual
check and balance on the performance of the Board Report.
of Commissioners.
c. Dewan Komisaris mempunyai • Kebijakan pengunduran diri anggota Dewan Terpenuhi Dewan Komisaris Bank Victoria telah
kebijakan terkait pengunduran Komisaris yang terlibat dalam kejahatan keuangan Comply memiliki kebijakan terkait pengunduran
diri anggota Dewan Komisaris merupakan kebijakan yang dapat meningkatkan diri apabila terlibat dalam benturan
apabila terlibat dalam kepercayaan para pemangku kepentingan terhadap kepentingan sebagaimana ditetapkan
kejahatan keuangan. perusahaan terbuka sehingga integritas perusahaan dalam BOC Charter terkait Keanggotaan
The Board of Commissioners akan tetap terjaga. Kebijakan ini diperlukan untuk Dewan Komisaris.
has policies related to membantu kelancaran proses hukum dan agar Board of Commissioners of Bank Victoria
resignation of members of proses hukum tersebut tidak mengganggu jalannya has had policies related to resignation
Board of Commissioners if kegiatan usaha. Selain itu, dari sisi moralitas, if involved in conflict of interest as
involved in financial crime. kebijakan ini membangun budaya beretika di stipulated in BOC Charter regarding
lingkungan perusahaan terbuka. Kebijakan tersebut Membership of Board of Commissioners.
dapat tercakup dalam pedoman ataupun kode etik
yang berlaku bagi Dewan Komisaris.
• Selanjutnya, yang dimaksud dengan terlibat dalam
kejahatan keuangan merupakan adanya status
terpidana terhadap anggota Dewan Komisaris
dari pihak yang berwenang. Kejahatan keuangan
dimaksud seperti manipulasi dan berbagai bentuk
penggelapan dalam kegiatan jasa keuangan serta
tindakan pidana pencucian uang sebagaimana
dimaksud dalam Undang-Undang No. 8 Tahun
2010 tentang Pencegahan dan Pemberantasan
Tindak Pidana Pencucian Uang.
• The resignation policy of the members of the
Board of Commissioners involved in financial
crime is a policy that can improve stakeholders’
trust on public companies to maintain corporate
integrity. This policy is required to assist in
smooth legal process and to ensure that the legal
process does not interfere with the business
activities. In addition, in terms of morality, this
policy establishes an ethical culture in public
company environment. Such policies may
be covered by guidelines or code of conduct
applicable to the Board of Commissioners.
• Furthermore, what is meant by engaging in financial
crime is the status of the convicted against the
member of the Board of Commissioners from
the authorized party. The financial crimes in
question include manipulation and various forms
of embezzlement in financial services’ activities
and the money laundering as referred to in Law no.
8 of 2010 on the Prevention and Eradication of the
Criminal Act of Money Laundering.

Aspek/Prinsip/
No.
Recommendations
d. Dewan Komisaris atau Komite Berdasarkan ketentuan Peraturan Otoritas Terpenuhi Komite Nominasi dan Remunerasi
yang menjalankan fungsi Jasa Keuangan tentang Komite Nominasi dan Comply Bank Victoria telah memiliki kebijakan
Nominasi dan Remunerasi Remunerasi Emiten atau Perusahaan Publik, suksesi Direksi sebagaimana dimuat
menyusun kebijakan suksesi komite yang menjalankan fungsi nominasi dalam Kebijakan Sistem Nominasi
dalam proses nominasi mempunyai tugas untuk menyusun kebijakan dan dan Remunerasi berdasarkan Surat
anggota Direksi. kriteria yang dibutuhkan dalam proses nominasi Keputusan Dewan Komisaris No. 001/
The Board of Commissioners calon anggota Direksi. Salah satu kebijakan yang SK-KOM/02/16 tanggal 22 Februari
or Committees performing the dapat mendukung proses nominasi sebagaimana 2016. Uraian kebijakan suksesi Direksi
Nomination and Remuneration dimaksud adalah kebijakan suksesi anggota Direksi. disampaikan pada pembahasan terkait
functions make a succession Kebijakan mengenai suksesi bertujuan untuk Komite Nominasi dan Remunerasi dalam
policy in the nomination menjaga kesinambungan proses regenerasi atau bab Tata Kelola Perusahaan di dalam
process of Board of Directors. kaderisasi kepemimpinan di perusahaan dalam Laporan Tahunan ini.
rangka mempertahankan keberlanjutan bisnis dan The Nomination and Remuneration
tujuan jangka panjang perusahaan. Committee of Bank Victoria has a policy
Under the provisions of the FSA Regulations on the related to the succession of the Board of
Nomination and Remuneration Committee of Issuers Directors as stated in the Policy relating
or Public Companies, the committees in charge to the Nomination and Remuneration
of nomination function have the duty to formulate System based on the Decree of the Board
the policies and criteria required in the nomination of Commissioners No. 001/SK-KOM/02/16
process of candidates for the Board of Directors. dated 22, February 2016. A description
One of the policies that can support the nomination of the Board of Directors’ succession
process as referred to is the succession policy of policy has been presented in the relevant
the members of the Board of Directors. The policy discussion of the Nomination and
on succession is aimed to maintain the continuity Remuneration Committee in Corporate
of the regeneration process or leadership cadre in Governance chapter of this Annual
the company to maintain business sustainability and Report.
longterm goals of the company.
Fungsi dan Peran Direksi.

III.
Functions and Roles of the Board of Directors.
Memperkuat Keanggotaan dan Komposisi Direksi.

5.
Strengthening Membership and Composition of the Board of Directors.
a. Penentuan jumlah anggota Sebagai organ perusahaan yang berwenang Terpenuhi Penentuan jumlah anggota Direksi Bank
Direksi mempertimbangkan dalam pengurusan perusahaan, penentuan jumlah Comply Victoria telah sesuai dengan Anggaran
kondisi Perusahaan Terbuka, Direksi sangat memengaruhi jalannya kinerja Dasar Bank, Board of Directors Charter
serta efektivitas dalam Perusahaan Terbuka. Dengan demikian, penentuan (BOD Charter) yang telah disahkan
pengambilan keputusan. jumlah anggota Direksi harus dilakukan melalui melalui Surat Keputusan Direksi No.
The determination of pertimbangan yang matang dan wajib mengacu 002/SK-DIR/05/19 tanggal 2 Mei 2019,
number of Board of Directors pada ketentuan peraturan perundang-undangan dan Peraturan Otoritas Jasa Keuangan
considers the condition of yang berlaku, dimana berdasarkan Peraturan tentang Direksi dan Dewan Komisaris
the Public Company, and the Otoritas Jasa Keuangan tentang Direksi dan Dewan Emiten atau Perusahaan Publik.
effectiveness of decision Komisaris Emiten atau Perusahaan Publik paling Direksi beranggotakan 5 (lima) orang
making. sedikit terdiri dari 2 (dua) orang. Di samping itu, dan dianggap telah sesuai dengan
dalam penentuan jumlah Direksi harus berdasarkan kompleksitas usaha Bank saat ini.
pada kebutuhan untuk mencapai maksud dan The determination of the number of
tujuan perusahaan terbuka dan disesuaikan dengan members of the Board of Directors of
kondisi perusahaan terbuka, meliputi karakteristik, Bank Victoria is in accordance with
kapasitas dan ukuran perusahaan terbuka serta Bank’s Articles of Association, Board
bagaimana tercapainya efektivitas pengambilan of Directors Charter (BOD Charter)
keputusan Direksi. which has been ratified by the Board of
As the organ of the company authorized in company’s Directors' Decree No. 002/SK-DIR/05/19
management, the determination of the number of dated 2, May 2019, and FSA Regulation
Board of Directors greatly affects the performance on the Board of Directors and Board
of Public Company. Thus, the determination of of Commissioners of Issuers or Public
the number of members of the Board of Directors Companies. The Board of Directors
must be made through careful consideration and consist of 5 (five) members and are
must be subject to the provisions of applicable deemed to be in line with Bank’s current
laws and regulations, which according to the FSA business complexity.
Regulation on the Board of Directors and Board of
Commissioners of Issuers or Public Companies, the
number of the members must be composed of at
least 2 (two)persons. In addition, the determination
of the number of Board of Directors should be based
on the need to achieve public company’s goals and
objectives and adjusted to the conditions of the
public company, including the characteristics,
capacity, and size of the public company and how to
make effective Board of Directors’ decision.

Aspek/Prinsip/
No.
Recommendations
b. Penentuan komposisi anggota Seperti halnya Dewan Komisaris, keberagaman Terpenuhi Penentuan komposisi anggota Direksi
Direksi memperhatikan, komposisi anggota Direksi merupakan kombinasi Comply telah memperhatikan keberagaman
keberagaman keahlian, karakteristik yang diinginkan, baik dari segi keahlian, pengetahuan, dan pengalaman
pengetahuan, dan pengalaman organ Direksi maupun anggota Direksi secara yang dibutuhkan. Keberagaman
yang dibutuhkan. individu, sesuai dengan kebutuhan perusahaan komposisi Direksi telah disampaikan
The determination of terbuka. Kombinasi tersebut ditentukan dengan dalam pembahasan terkait Direksi dalam
composition of the Board of cara memperhatikan keahlian, pengetahuan bab Tata Kelola Perusahaan di dalam
Directors considers range of dan pengalaman yang sesuai pada pembagian Laporan Tahunan ini.
expertise, knowledge, and tugas dan fungsi jabatan Direksi dalam mencapai The determination of composition of
experience required. tujuan perusahaan terbuka. Dengan demikian, Board of Directors already considers
pertimbangan kombinasi karakteristik dimaksud the range of expertise, knowledge, and
akan berdampak dalam ketepatan proses experience required. The diversity of the
pencalonan dan penunjukan individual anggota composition of the Board of Directors
Direksi ataupun Direksi secara kolegial. has been presented in the relevant
Similar to the Board of Commissioners, the diversity discussion of the Board of Directors in
of composition of Board of Directors is a combination Corporate Governance chapter of this
of characteristics required in terms of the Board Annual Report.
of Directors as organ and as member of Board of
Directors individually, according to the needs of the
Public Company. Such combination is determined
by considering the expertise, knowledge, and
experience in accordance with the division of duties
and functions of Board of Directors in achieving
the Public Company’s objectives. Therefore,
the consideration of the combination of such
characteristics will have an impact in the accuracy
of the nomination process and the individual
appointment of members of the Board of Directors or
the Board of Directors in a collegial manner.
c. Anggota Direksi yang • Laporan Keuangan merupakan laporan Terpenuhi Direktur Keuangan Bank Victoria yang
membawahi bidang pertanggungjawaban manajemen atas Comply membawahi bidang akuntansi/keuangan,
akuntansi atau keuangan pengelolaan sumber daya yang dimiliki oleh yaitu Debora Wahjutirto Tanoyo memiliki
memiliki keahlian dan/atau perusahaan terbuka, yang wajib disusun dan pengetahuan dan keahlian di bidang
pengetahuan di bidang disajikan sesuai dengan Standar Akuntansi akuntansi.
akuntansi. Keuangan yang berlaku umum di Indonesia dan The Director of Finance of Bank Victoria
Member of Board of Directors juga Peraturan Otoritas Jasa Keuangan terkait, in charge of accounting/finance
in charge of accounting or antara lain peraturan perundang-undangan di sector, Debora Wahjutirto Tanoyo, has
finance have the skills and/or sektor pasar modal yang mengatur mengenai knowledge and expertise in accounting
knowledge in accounting. penyajian dan pengungkapan Laporan Keuangan field.
perusahaan terbuka. Berdasarkan peraturan
perundang-undangan di sektor pasar modal yang
mengatur mengenai tanggung jawab Direksi atas
Laporan Keuangan, Direksi secara tanggung
renteng bertanggung jawab atas Laporan
Keuangan, yang ditandatangani Direktur Utama
dan anggota Direksi yang membawahi bidang
akuntansi atau keuangan.
• Pengungkapan dan penyusunan informasi
keuangan yang disajikan dalam laporan keuangan
akan sangat tergantung pada keahlian, dan/
atau pengetahuan Direksi, khususnya anggota
Direksi yang membawahi bidang akuntansi atau
keuangan. Adanya kualifikasi keahlian dan/
atau pengetahuan di bidang akuntansi yang
setidaknya dimiliki anggota Direksi dimaksud
dapat memberikan keyakinan atas penyusunan
Laporan Keuangan, sehingga Laporan Keuangan
tersebut dapat diandalkan oleh para pemangku
kepentingan sebagai dasar pengambilan
keputusan ekonomi terkait perusahaan terbuka
dimaksud. Keahlian dan/atau pengetahuan
tersebut dapat dibuktikan dengan latar belakang
pendidikan, sertifikasi pelatihan dan/atau
pengalaman kerja terkait.

Aspek/Prinsip/
No.
Recommendations
• The Financial Statement is management
accountability report on the management of
resources owned by a public company, which
must be prepared and presented in accordance
with the generally accepted Financial Accounting
Standards in Indonesia as well as the related FSA
Regulation, such as the regulation on the capital
market sector governing the presentation and
disclosure of Company’s Financial Statement.
Under the laws and regulations of the capital
market sector governing the Board of Directors’
responsibilities in the Financial Statement,
the Board of Directors are jointly and severally
liable for the Financial Statement, signed by the
President Director and member of the Board of
Directors in charge of accounting or finance
sector.
• Thus, the disclosure and preparation of financial
information presented in the financial statement
will largely depend on Board of Directors’
expertise and/or knowledge, especially the
members of the Board of Directors who are in
charge of accounting or finance sector. The
qualification of expertise and/or knowledge in
accounting sector which at least possessed
by the members of the Board of Directors
concerned can provide confidence in the
preparation of Financial Statement, so that the
Financial Statement can be relied upon by the
stakeholders as the basis of economic decision
making related to the public company. Such
expertise and/or knowledge may be proven by
educational background, training certification,
and/or related work experience.
Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.

6.
Increasing the Quality of Implementation of Duties and Responsibilities of the Board of Directors.
a. Direksi mempunyai kebijakan • Seperti halnya pada Dewan Komisaris, kebijakan Terpenuhi Direksi Bank Victoria telah memiliki
self assessment untuk menilai self assessment Direksi merupakan suatu Comply kebijakan self assessment yang
kinerja Direksi. pedoman yang digunakan sebagai bentuk ditetapkan dalam BOD Charter terkait
The Board of Directors have akuntabilitas atas penilaian kinerja Direksi Evaluasi Kinerja Direksi.
self assessment policy to secara kolegial. Self assessment dilakukan oleh The Board of Directors of Bank Victoria
assess the Board of Directors’ masing-masing anggota Direksi untuk menilai has a policy related to self assessment as
performance. pelaksanaan kinerja Direksi secara kolegial, dan specified in the BOD Charter on Board of
bukan menilai kinerja individual masing-masing Directors’ Performance Evaluation.
anggota Direksi. Dengan adanya self assessment
ini diharapkan masing-masing anggota Direksi
dapat berkontribusi untuk memperbaiki kinerja
Direksi secara berkesinambungan.
• Dalam kebijakan tesebut dapat mencakup kegiatan
penilaian yang dilakukan beserta maksud dan
tujuan, waktu pelaksanaan yang dilakukan secara
berkala, dan tolok ukur atau kriteria penilaian
digunakan sesuai dengan rekomendasi yang
diberikan oleh fungsi nominasi dan remunerasi
perusahaan terbuka, dimana pembentukan fungsi
tersebut telah diwajibkan dalam Peraturan Otoritas
Jasa Keuangan tentang Komite Nominasi dan
Remunerasi Emiten atau Perusahaan Publik.
• Similar to the Board of Commissioners, the
Board of Directors’ self-assessment policy is a
guideline used as a form of accountability for
Board of Directors’ performance collectively. Self
assessment is performed by each member of the
Board of Directors to assess the Board of Directors’
performance collectively rather than assessing
the individual performance of each member of
the Board of Directors. This self assessment
is expected to improve the performance of the
Board of Directors on an ongoing basis.

Aspek/Prinsip/
No.
Recommendations
• Such policy may include the assessment
activities taken along with their purposes and
objectives, periodically execution time, and
benchmarks or assessment criteria used in
accordance with the recommendations given by
the nomination and remuneration function of the
public company, in which the formation of such
functions is required in the FSA Regulation on
the Nomination and Remuneration Committee of
Issuers or Public Companies.
b. Kebijakan self assessment Pengungkapan kebijakan self assessment atas Terpenuhi Berdasarkan BOD Charter, Direksi
untuk menilai kinerja Direksi kinerja Direksi dilakukan tidak hanya untuk Comply melaksanakan self assessment secara
diungkapkan melalui Laporan memenuhi aspek transparansi sebagai bentuk konsisten setiap tahun. Pelaksanaan self
Tahunan Perusahaan Terbuka. pertanggungjawaban atas pelaksanaan tugasnya, assessment Direksi telah diungkapkan
Self assessment policy to namun juga untuk memberikan informasi penting dalam pembahasan Tata Kelola
assess the Board of Directors’ atas upaya-upaya perbaikan dalam pengelolaan Perusahaan ini.
performance is disclosed perusahaan terbuka. Informasi tersebut sangat Based on BOD Charter, the Board of
through the public company’s bermanfaat untuk memberikan keyakinan kepada Directors conducts self-assessment
annual report. Pemegang Saham atau investor bahwa terdapat consistently every year. The
kepastian bahwa pengelolaan perusahaan terus implementation of self-assessment by
dilakukan ke arah yang lebih baik. Dengan adanya the Board of Directors has been disclosed
pengungkapan tersebut, Pemegang Saham atau in the discussion of this Corporate
investor mengetahui mekanisme check and balance Governance.
terhadap kinerja Direksi.
The disclosure of the self assessment policy on
Board of Directors’ performance is conducted not
only to meet the transparency aspect as a form of
accountability for the performance of their duties,
but also to provide important information on the
improvement of public company’s management.
Such information is very useful to give confidence to
the Shareholders or investors that there company’s
management continues in better direction. With such
disclosure, the Shareholders or investors may know
the check and balance mechanism on the Board of
Directors’ performance.
c. Direksi mempunyai kebijakan • Kebijakan pengunduran diri anggota Direksi yang Terpenuhi Direksi Bank Victoria telah memiliki
terkait pengunduran diri terlibat dalam kejahatan keuangan merupakan Comply kebijakan pengunduran diri apabila
anggota Direksi apabila terlibat kebijakan yang dapat meningkatkan kepercayaan terlibat dalam benturan kepentingan
dalam kejahatan keuangan. para pemangku kepentingan terhadap sebagaimana ditetapkan dalam BOD
Board of Directors have perusahaan terbuka, sehingga integritas Charter terkait Keanggotaan Direksi.
policies related to resignation perusahaan akan tetap terjaga. Kebijakan ini Board of Directors of Bank Victoria
of member of Board of diperlukan untuk membantu kelancaran proses have had policies related to resignation
Directors if involved in hukum dan agar tidak mengganggu jalannya if involved in conflict of interest as
financial crime. kegiatan usaha. Dari sisi moralitas, kebijakan ini stipulated in BOD Charter regarding
akan membangun budaya beretika di lingkungan Board of Directors’ Membership.
perusahaan terbuka. Kebijakan tersebut dapat
tercakup dalam pedoman ataupun kode etik yang
berlaku bagi Direksi.
• Selanjutnya, yang dimaksud dengan terlibat
dalam kejahatan keuangan merupakan adanya
status terpidana terhadap anggota Direksi dari
pihak yang berwenang. Kejahatan keuangan
dimaksud seperti manipulasi dan berbagai
bentuk penggelapan dalam kegiatan jasa
keuangan serta tindakan pidana pencucian uang
sebagaimana dimaksud dalam Undang-Undang
No. 8 Tahun 2010 tentang Pencegahan dan
Pemberantasan Tindak Pidana Pencucian Uang.
• The policy of resignation of members of the Board
of Directors involved in financial crime is a policy
that may increase stakeholders’ trust in public
companies, to maintain company’s integrity.
This policy is required to assist in smooth legal
process and to ensure that the legal process
does not interfere with the business activities. In
addition, in terms of morality, this policy will build
an ethical culture within public company. Such
policy may be covered in the guidelines or codes
of conduct applicable to the Board of Directors.

Aspek/Prinsip/
No.
Recommendations
• Furthermore, what is meant by engaged in
financial crime constitutes the convicted status
of the member of the Board of Directors from
the competent authority. The financial crimes in
question include manipulation and various forms
of embezzlement in financial services’ activities
and the money laundering as referred to in Law
no. 8 of 2010 on the Prevention and Eradication
of the Criminal Act of Money Laundering.
Partisipasi Pemangku Kepentingan.

IV.
Participation of Stakeholders.
Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan.

7.
Increasing the Corporate Governance Aspect through Stakeholders Participation.
a. Perusahaan Terbuka memiliki Seseorang yang mempunyai informasi orang dalam Terpenuhi Bank Victoria telah memiliki kebijakan
kebijakan untuk mencegah dilarang melakukan suatu transaksi efek dengan Comply untuk mencegah terjadinya insider
terjadinya insider trading. menggunakan informasi orang dalam sebagaimana trading sebagaimana dimuat dalam Code
The Public Company has dimaksud dalam Undang-Undang mengenai Pasar of Conduct yang telah disahkan melalui
a policy to prevent the Modal. Perusahaan terbuka dapat meminimalisir Surat Keputusan Direksi No. 012/SK-
occurrence of insider trading. terjadinya insider trading tersebut melalui kebijakan DIR/12/18 tanggal 27 Desember 2018.
pencegahan, misalnya dengan memisahkan secara Bank Victoria has a policy to prevent this
tegas data dan/atau informasi yang bersifat rahasia insider trading as contained in the Code
dengan yang bersifat publik, serta membagi tugas of Conduct ratified through the Director’s
dan tanggung jawab atas pengelolaan informasi Decree No. 012/SK-DIR/12/18 dated 27
dimaksud secara proporsional dan efisien. December 2018.
A person having inside information is prohibited
from engaging in a securities transaction by using
inside information as referred to in the Capital
Market Law. Public company can minimize this
insider trading through prevention policies, for
example by strictly separating the confidential data
and/or information from public ones, and dividing
the duties and responsibilities for the management
of such information in a proportionate and efficient
manner.
b. Perusahaan Terbuka memiliki Kebijakan antikorupsi bermanfaat untuk Terpenuhi Bank Victoria telah memiliki kebijakan
kebijakan antikorupsi dan anti- memastikan agar kegiatan usaha perusahaan Comply antikorupsi dan anti-fraud sebagaimana
fraud. terbuka dilakukan secara legal, prudent, dan dimuat dalam Code of Conduct.
Public Company has sesuai dengan prinsip-prinsip tata kelola yang Bank Victoria has anti-corruption and
anticorruption and anti-fraud baik. Kebijakan tersebut dapat merupakan bagian anti-fraud policies as contained in the
policies. dalam kode etik, ataupun dalam bentuk tersendiri. Code of Conduct.
Kebijakan tersebut antara lain dapat meliputi
program dan prosedur yang dilakukan dalam
mengatasi praktik korupsi, balas jasa (kickbacks),
fraud, suap dan/atau gratifikasi dalam perusahaan
terbuka. Lingkup dari kebijakan tersebut harus
menggambarkan pencegahan perusahaan terbuka
terhadap segala praktik korupsi, baik memberi atau
menerima dari pihak lain.
Anti-corruption policy is useful for ensuring that
public company’s business activities are conducted
legally, prudently, and in accordance with the
principles of good governance. This policy may be
part of the code of ethics, or on a separated form.
This policy may include programs and procedures
taken in handling corrupt practices, kickbacks,
fraud, bribery, and/or gratification in public
company. The scope of the policy must illustrate
the prevention of public company against all corrupt
practices, either giving to or receiving from other
parties.

Aspek/Prinsip/
No.
Recommendations
c. Perusahaan Terbuka memiliki • Kebijakan tentang seleksi pemasok atau vendor Terpenuhi Bank Victoria telah memiliki kebijakan
kebijakan tentang seleksi bermanfaat untuk memastikan agar perusahaan Comply tentang seleksi dan peningkatan
dan peningkatan kemampuan terbuka memperoleh barang atau jasa yang kemampuan pemasok atau vendor
pemasok atau vendor. diperlukan dengan harga yang kompetitif yang diatur dalam Surat Keputusan
Public Company has a policy on dan kualitas yang baik. Sedangkan, kebijakan Direksi No. 024/SK-DIR/04/13 tentang
selection and improvement of peningkatan kemampuan pemasok atau vendor Kebijakan dan Prosedur General Affair
supplier or vendor capabilities. bermanfaat untuk memastikan bahwa rantai PT Bank Victoria International Tbk yang
pasokan (supply chain) berjalan dengan efisien telah diubah dengan Surat Keputusan
dan efektif. Kemampuan pemasok atau vendor Direktur No.143/SK-DIR/06/14 tanggal
dalam memasok/memenuhi barang atau jasa 24 Juni 2014 tentang Penambahan dan
yang dibutuhkan perusahaan akan memengaruhi Perubahan Kebijakan dan Prosedur
kualitas hasil perusahaan. General Affairs (GA).
• Pelaksanaan kebijakan-kebijakan tersebut dapat Bank Victoria already has a policy on the
menjamin kontinuitas pasokan, baik dari segi selection and improvement of suppliers
kuantitas maupun kualitas yang dibutuhkan or vendors as stipulated in Board of
perusahaan terbuka. Cakupan kebijakan ini Directors’ Decision Letter No. 024/SK-
meliputi kriteria dalam pemilihan pemasok atau DIR/04/13 on Policies and Procedures
vendor, mekanisme pengadaan yang transparan, of General Affairs of PT Bank Victoria
upaya peningkatan kemampuan pemasok atau International Tbk, which has been
vendor, dan pemenuhan hak-hak yang berkaitan amended by Board of Director’s Decision
dengan pemasok atau vendor. Letter No. 143/SK-DIR/06/14 dated 24
• The policies on selection of suppliers or vendors June 2014 on Additions and Amendments
are useful to ensure that the public company to Policies and Procedures of General
acquire the necessary goods or services at Affairs (GA).
competitive prices and good quality. While the
policy on increasing the ability of suppliers or
vendors is useful to ensure that the supply chain
runs efficiently and effectively. The ability of
suppliers or vendors to supply/meet the goods or
services required by the company will affect the
quality of company’s output.
• The implementation of these policies can ensure
continuity of supplies, both in terms of quantity
and quality required by public company. The
scope of this policy includes criteria in the
selection of suppliers or vendors, transparent
procurement mechanisms, efforts to improve the
ability of suppliers or vendors, and the fulfillment
of rights related to suppliers or vendors.
d. Perusahaan Terbuka memiliki Kebijakan tentang pemenuhan hak-hak kreditur Terpenuhi Kebijakan tentang pemenuhan hak-hak
kebijakan tentang pemenuhan digunakan sebagai pedoman dalam melakukan Comply kreditur Bank Victoria telah diatur dalam
hak-hak kreditur. pinjaman kepada kreditur. Tujuan dari kebijakan Code of Conduct.
Public Company has a policy dimaksud adalah untuk menjaga terpenuhinya hak- Bank Victoria has a policy on the
on the fulfillment of creditors’ hak dan menjaga kepercayaan kreditur terhadap fulfillment of creditor’s rights as
rights. perusahaan terbuka. Dalam kebijakan tersebut stipulated in the Code of Conduct.
mencakup pertimbangan dalam melakukan
perjanjian, serta tindak lanjut dalam pemenuhan
kewajiban perusahaan terbuka kepada kreditur.
Policies on fulfillment of creditor rights are used
as a guideline to provide lending to creditors. The
purpose of the policy is to maintain the fulfillment
of rights and maintain the creditor trust in the
Public Company. The policy includes consideration
in entering agreements, as well as follow-ups
in fulfilling the Public Company’s obligations to
creditors.

Aspek/Prinsip/
No.
Recommendations
e. Perusahaan Terbuka Kebijakan sistem whistleblowing yang telah Terpenuhi Bank Victoria telah memiliki kebijakan
memiliki kebijakan sistem disusun dengan baik akan memberikan kepastian Comply sistem whistleblowing sebagaimana
whistleblowing. perlindungan kepada saksi atau pelapor atas suatu diatur dalam Surat Keputusan Direksi
Public Company has policies of indikasi pelanggaran yang dilakukan karyawan atau No. 006/SK-DIR/02/16 tanggal 19 Februari
whistleblowing system. manajemen perusahaan terbuka. Penerapan kebijakan 2016 tentang Standar Operasional
sistem tersebut akan berdampak pada pembentukan Prosedur Whistleblowing System PT Bank
budaya tata kelola perusahaan yang baik. Kebijakan Victoria International Tbk. Kedepannya,
sistem whistleblowing mencakup antara lain jenis kebijakan ini akan digabung ke dalam
pelanggaran yang dapat dilaporkan melalui sistem Standar Operasional Prosedur Anti Fraud.
whistleblowing, cara pengaduan, perlindungan dan Bank Victoria already has a whistleblowing
jaminan kerahasiaan pelapor, penanganan pengaduan, system policy as stipulated in Board
pihak yang mengelola aduan, dan hasil penanganan of Directors’ Decision Letter No. 006/
dan tindak lanjut pengaduan. SK-DIR/02/16 dated 19 February 2016
A well-structured whistleblowing system policy will on Standard Operating Procedure of
provide assurance of protection to the witnesses Whistleblowing System of PT Bank Victoria
or reporters for an indication of breach by an International Tbk. To the future, this policy
employee or public company’s management. The will be incorporated into the Anti Fraud
implementation of such system policy will impact Standard Operating Procedures.
the establishment of good corporate governance
culture. The whistleblowing system policy includes
among others types of violations that can be
reported through whistleblowing system, methods
to file a complaint, safeguards and confidentiality
of the complainant, complaint handling, party
managing complaints, and the results of the
handling and complaints follow-up.
f. Perusahaan Terbuka memiliki • Insentif jangka Panjang merupakan insentif Terpenuhi Berdasarkan Surat Keputusan Direksi No.
kebijakan pemberian insentif yang menjadi dasar atas pencapaian kinerja Comply 014/SK-DIR/07/19 tanggal 30 Juli 2019
jangka panjang kepada Direksi jangka panjang. Rencana insentif jangka tentang Kebijakan dan Prosedur Human
dan karyawan. panjang mempunyai dasar pemikiran bahwa Capital Management, Bank melaksanakan
The Public Company has a kinerja jangka panjang perusahaan tercermin kebijakan pemberian insentif jangka
long term incentive policy to oleh pertumbuhan nilai dari saham atau target- panjang kepada Direksi dan karyawan
the Board of Directors and target jangka panjang perusahaan lainnya. yang dimuat dan dilaporkan dalam
employees. Insentif jangka panjang bermanfaat dalam catatan atas Laporan Keuangan terkait
rangka menjaga loyalitas dan memberikan Liabilitas Imbalan Kerja yang dilampirkan
motivasi kepada Direksi dan karyawan untuk dalam Laporan Tahunan ini.
menigkatkan kinerja atau produktivitasnya Based on Board of Directors’ Decision
yang akan berdampak pada peningkatan kinerja Letter No. 014/SK-DIR/07/19 dated 30
perusahaan dalam jangka panjang. July 2019 on Policies and Procedures of
• Adanya suatu kebijakan insentif jangka panjang Human Capital Management, the Bank
merupakan komitmen nyata perusahaan terbuka implements policy of long-term incentive
untuk mendorong pelaksanaan pemberian provision to the Board of Directors and
insentif jangka panjang kepada Direksi dan employees as stated and reported in
karyawan dengan syarat, prosedur dan bentuk Notes on Financial Statements related
yang disesuaikan dengan tujuan jangka panjang to Employee Benefit Liability attached in
perusahaan terbuka. Kebijakan dimaksud dapat this Annual Report.
mencakup, antara lain: maksud dan tujuan
pemberian insentif jangka panjang, syarat dan
prosedur dalam pemberian insentif, serta kondisi
dan risiko yang harus diperhatikan oleh perusahaan
terbuka dalam pemberian insentif. Kebijakan
tersebut juga dapat tercakup dalam kebijakan
remunerasi perusahaan terbuka yang ada.
• Long-term incentives are incentives based on
the achievement of long-term performance.
Long-term incentive plans have a rationale that
the long-term performance of the company
is reflected by the growth in the share value
or other long-term targets of the company.
Longterm incentives are useful in order to
maintain loyalty and motivate the Board of
Directors and employees to boost performance
or productivity that will impact on improving the
company’s performance over the long term.

Aspek/Prinsip/
No.
Recommendations
• This long-term incentive policy is a commitment
of the public company to encourage the
implementation of long-term incentives to the
Board of Directors and the employees on terms,
procedures, and forms tailored to the long-term
objectives of public company. Such policies may
include, among others: the intent and objectives
of providing long-term incentives, terms and
procedures for incentives, and the conditions
and risks that the public company should pay
attention to in providing incentives. Such policies
may also be included in the existing public
company remuneration policy.
Keterbukaan Informasi
V.
Disclosure of Information
Meningkatkan Pelaksanaan Keterbukaan Informasi.

8.
Increasing Implementation of Information Disclosure.
a. Perusahaan Terbuka Penggunaan teknologi informasi dapat bermanfaat Terpenuhi Bank Victoria telah memanfaatkan
memanfaatkan penggunaan sebagai media keterbukaan informasi. Adapun Comply teknologi informasi, baik situs web
teknologi informasi secara keterbukaan informasi yang dilakukan tidak hanya Bank, media internal, dan media
lebih luas selain situs web keterbukaan informasi yang telah diatur dalam komunikasi massa untuk melaksanakan
sebagai media keterbukaan peraturan perundang-undangan, namun juga keterbukaan informasi kepada pemangku
informasi. informasi lain terkait perusahaan terbuka yang kepentingan. Melalui situs web Bank dan
The Public Company has dirasakan bermanfaat untuk diketahui Pemegang media internal, Bank juga menyampaikan
utilized the use of information Saham atau investor. Dengan pemanfaatan informasi lainnya yang dianggap perlu
technology more broadly, teknologi informasi secara lebih luas, selain situs diketahui oleh pemangku kepentingan.
in addition to the website, web, diharapkan perusahaan dapat meningkatkan Bank Victoria has utilized the information
as a media of information efektivitas penyebaran informasi perusahaan. technology, either Bank’s website,
disclosure. Meskipun demikian, pemanfaatan teknologi internal media, and mass communication
informasi yang dilakukan tetap memperhatikan media, to disclose the information to the
manfaat dan biaya perusahaan. stakeholders. Through Bank’s website
The use of information technology can be useful as and internal media, Bank also submits
a medium to disclose information. The information other information deemed necessary by
disclosure is done not only to the information the stakeholders.
regulated in legislation, but also other information
related to public company for the Shareholder or
investors on need-to-know basis. With the utilization
of information technology widely, in addition to
the website, it is expected that the company can
improve the effectiveness of the dissemination of
corporate information. Nevertheless, the utilization
of information technology taken still pay attention
to company’s benefits and costs.
b. Laporan Tahunan Perusahaan Peraturan perundang-undangan di sektor pasar Terpenuhi Bank telah mengungkapkan pemilik
Terbuka mengungkapkan modal yang mengatur mengenai penyampaian Comply manfaat akhir dalam kepemilikan saham
pemilik manfaat akhir dalam laporan tahunan perusahaan terbuka telah perusahaan paling sedikit 5%, selain
kepemilikan saham Perusahaan mengatur kewajiban pengungkapan informasi pengungkapan pemilik manfaat akhir
Terbuka paling sedikit mengenai Pemegang Saham yang memiliki 5% atau dalam kepemilikan saham perusahaan
5%, selain pengungkapan lebih saham perusahaan terbuka, serta kewajiban terbuka melalui Pemegang Saham Utama
pemilik manfaat akhir dalam pengungkapan informasi mengenai Pemegang dan Pengendali. Pengungkapan tersebut
kepemilikan saham Perusahaan Saham Utama dan Pengendali perusahaan terbuka, telah disampaikan dalam pembahasan
Terbuka melalui Pemegang baik langsung maupun tidak langsung, sampai terkait Komposisi Kepemilikan Saham
Saham Utama dan Pengendali. dengan pemilik manfaat terakhir dalam kepemilikan dalam bab Profil Perusahaan di dalam
The Public Company’s Annual saham tersebut. Pedoman tata kelola ini, Laporan Tahunan ini.
Report discloses the ultimate merekomendasikan untuk mengungkapkan pemilik The Bank has disclosed the ultimate
beneficial owner of the Public manfaat akhir atas kepemilikan saham perusahaan beneficial owner of the Public Company’s
Company’s share ownership terbuka paling sedikit 5%, selain mengungkapkan share ownership of at least 5%, in
of at least 5%, in addition to pemilik manfaat akhir dari kepemilikan saham oleh addition to the disclosure of ultimate
the disclosure of ultimate Pemegang Saham Utama dan Pengendali. beneficial owner in the share ownership
beneficial owner in the share The laws and regulations in capital market sector of Public Company through Main
ownership of Public Company governing the submission of company’s annual and Controlling Shareholders. Such
through Main and Controlling report has specified the disclosure obligation of disclosure has been disclosed in the
Shareholders. Shareholders having 5% of shares or more of public discussion on the Composition of Share
company, as well as the obligation to disclose Ownership in Company Profile chapter of
information about the Major Shareholders and this Annual Report.
Controllers of public company, whether directly or
indirectly, to the last beneficial owner in the ownership
of such shares. In the governance guidelines it is
recommended to disclose the ultimate beneficial
owner of the Public Company’s share ownership of at
least 5%, in addition to the disclosure of the ultimate
beneficial owner of the share ownership by Main and
Controlling Shareholders.

Rapat Umum Pemegang Saham

// General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan organ tertinggi General Meeting of Shareholders (GMS) is the highest organ in
dalam struktur tata kelola Bank Victoria yang memiliki fungsi the governance structure of Bank Victoria which has a function
sebagai wadah bagi para Pemegang Saham untuk mengambil as a forum for Shareholders to adopt resolutions. The GMS has
keputusan. RUPS memiliki wewenang yang tidak diberikan kepada the authority not granted to the Board of Directors and Board of
Direksi dan Dewan Komisaris sebagaimana diatur dalam Anggaran Commissioners as stipulated in the Bank’s Articles of Association
Dasar Bank dan peraturan perundang-undangan yang berlaku. and the applicable laws and regulations.
Dalam melaksanakan RUPS, Bank Victoria berpedoman pada Undang- In implementing the GMS, Bank Victoria refers to Law No. 40 of
Undang No. 40 Tahun 2007 tentang Perseroan Terbatas, Peraturan 2007 on Limited Liability Company, Financial Services Authority
Otoritas Jasa Keuangan No. 32/POJK.04/2014 tentang Rencana Regulation No. 32/POJK.04/2014 on Planning and Organizing
dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan General Meeting of Shareholders of Public Companies, and the
Terbuka, dan Anggaran Dasar Bank. Berdasarkan peraturan tersebut, Bank’s Articles of Association. Based on these regulations, the
RUPS terdiri dari RUPS Tahunan dan RUPS Luar Biasa. RUPS Tahunan GMS consists of Annual GMS and Extraordinary GMS. Annual GMS
wajib diselenggarakan dalam jangka waktu paling lambat 6 (enam) must be held no later than 6 (six) months after the end of the fiscal
bulan setelah tahun berakhir, sedangkan RUPS Luar Biasa dapat year, while Extraordinary GMS may be held at any time based on
diadakan sewaktu-waktu sesuai dengan kebutuhan. the Company’s needs.
Hak dan Wewenang Pemegang Saham Rights and Authority of Shareholders

Pemegang Saham memiliki hak atas saham yang dimilikinya, sehingga Shareholders have rights on shares owned, so that their rights are
hak Pemegang Saham terlindungi dan dapat dilaksanakan sesuai protected and can be exercised according to laws and regulations
dengan peraturan perundang-undangan dan Anggaran Dasar Bank. and the Bank’s Articles of Association. In a GMS, Shareholders are
Dalam RUPS, Pemegang Saham berhak menghadiri, mengemukakan entitled to attend the meeting, to convey opinions, and to cast
pendapat, dan mengeluarkan hak suara dalam proses pengambilan a vote in a voting process and to obtain information relating to
keputusan serta memperoleh informasi mengenai prosedur yang procedures to be fulfilled in relation to implementation of the GMS.
harus dipenuhi berkenaan dengan penyelenggaraan RUPS. Selain itu, In addition, Shareholders are also entitled to obtain information
Pemegang Saham berhak memperoleh informasi mengenai Bank, relating to the Bank, to receive a share from the Bank's profit, and
menerima bagian dari keuntungan Bank, serta setiap Pemegang each Shareholder reserves the right to be treated equally based
Saham berhak untuk diperlakukan setara berdasarkan jenis dan on type and classification of shares owned.
klasifikasi saham yang dimilikinya.
Selain memiliki hak, Pemegang Saham memiliki wewenang melalui Aside from rights, Shareholders also have authorities through a
RUPS untuk mengangkat dan memberhentikan Dewan Komisaris GMS to appoint and discharge the Board of Commissioners and
dan Direksi, menetapkan remunerasi dan mengevaluasi kinerja Board of Directors, to determine remuneration and evaluate
Dewan Komisaris dan Direksi, mengesahkan dan menyetujui their work performance, to validate and approve amendment
perubahan Anggaran Dasar dan Laporan Tahunan, menetapkan to the Articles of Association and Annual Report, to determine
alokasi penggunaan laba, serta menunjuk akuntan publik. utilization of profit, and to appoint a public accountant.
Mekanisme Pelaksanaan RUPS GMS Mechanism

Mekanisme pelaksanaan RUPS Bank Victoria memperhatikan The mechanism of Bank Victoria's GMS implementation takes into
ketentuan dan mekanisme pelaksanaan sebagai berikut. account the provisions and implementation mechanism of the
followings.
1. Pemberitahuan RUPS 1. GMS Notification

Pemberitahuan mata acara rapat wajib disampaikan Notification of the meeting agenda must be submitted to the
kepada Otoritas Jasa Keuangan paling lambat 5 (lima) Financial Services Authority no later than 5 (five) business
hari kerja sebelum pengumuman RUPS, dengan tidak days prior to the GMS announcement, by excluding the GMS
memperhitungkan tanggal pengumuman RUPS. announcement date.

2. Pengumuman RUPS 2. GMS Announcement

Pengumuman RUPS kepada Pemegang Saham dilakukan Announcement of the GMS to Shareholders is no later than 14
paling lambat 14 hari sebelum pemanggilan RUPS, dengan days prior to GMS Notice, excluding the announcement date
tidak memperhitungkan tanggal pengumuman dan tanggal and notice date. Furthermore, the GMS is at least announced
pemanggilan. Selain itu, Pengumuman RUPS minimal on 1 (one) Indonesian language daily newspaper with national
dilakukan melalui 1 (satu) surat kabar harian berbahasa circulation and the Bank’s website. The GMS announcement
Indonesia yang beredar secara nasional dan situs web Bank. at least contains the following information:
Adapun Pengumuman RUPS tersebut minimal memuat:
a. Ketentuan Pemegang Saham yang berhak hadir dalam a. Provisions of Shareholders who are entitled to attend the
RUPS; GMS;
b. Ketentuan Pemegang Saham yang berhak mengusulkan b. Provisions of Shareholders who are entitled to propose
mata acara rapat; the meeting agenda;
c. Tanggal penyelenggaraan RUPS; dan c. GMS date; and
d. Tanggal pemanggilan RUPS. d. GMS notice date.
3. Pemanggilan RUPS 3. GMS Notice

Pemanggilan kepada Pemegang Saham dilakukan paling Notice to the Shareholders shall be delivered no later
lambat 21 hari sebelum RUPS, dengan tidak memperhitungkan than 21 days prior to the GMS, by excluding the notice date
tanggal pemanggilan dan tanggal RUPS. Pemanggilan RUPS and GMS date. The GMS notice is at least announced on
tersebut minimal dilakukan melalui 1 (satu) surat kabar 1 (one) Indonesian language daily newspaper with national
harian berbahasa Indonesia yang beredar secara nasional, circulation, Indonesia Stock Exchange website, and the
situs web Bursa Efek Indonesia, dan situs web Bank. Adapun Bank’s website. The GMS notice at least contains the following
pemanggilan RUPS tersebut minimal memuat: information:
a. Tanggal penyelenggaraan RUPS; a. GMS date;
b. Waktu penyelenggaraan RUPS; b. GMS time;
c. Tempat penyelenggaraan RUPS; c. GMS venue;
d. Ketentuan Pemegang Saham yang berhak hadir dalam d. Provisions of Shareholders who are entitled to attend the
RUPS; GMS;
e. Mata acara rapat, termasuk penjelasan atas setiap mata e. Meeting agenda, including explanation on each meeting
acara tersebut; dan agenda; and
f. Informasi yang menyatakan bahan terkait mata acara f. Information stating that the matter related to the meeting
rapat tersedia bagi Pemegang Saham sejak tanggal agenda is available to the Shareholders from the date of
dilakukannya pemanggilan RUPS sampai dengan RUPS GMS notice to the GMS event.
diselenggarakan.
4. Penyelenggaraan RUPS 4. GMS Implementation

RUPS wajib diselenggarakan di wilayah Negara Republik GMS must be held in the territory of the Republic of Indonesia,
Indonesia, antara lain: such as in:
a. Tempat kedudukan Bank; a. The Bank's domicile;
b. Tempat Bank melakukan kegiatan usaha utamanya; b. The location where the Bank conducts its main business
activities;
c. Ibukota provinsi, di tempat kedudukan atau tempat c. Provincial capital where the the Bank’s domicile or
kegiatan usaha utama Bank; atau principal business is; or
d. Provinsi tempat kedudukan Bursa Efek Indonesia. d. Province of domicile of the Indonesia Stock Exchange.

Selain itu, RUPS dapat diselenggarakan jika dihadiri oleh Furthermore, the GMS can be held if attended by Independent
Pemegang Saham Independen yang mewakili ½ (satu per dua) Shareholder representing ½ part of the total shares with valid
bagian dari jumlah seluruh saham dengan hak suara sah yang voting rights owned by the Independent Shareholders.
dimiliki oleh Pemegang Saham Independen.

Pemegang Saham Utama dan Pengendali Main and Controlling Shareholders

Pemegang Saham Utama dan Pengendali dalam mengambil Main and Controlling Shareholders in adopting resolutions in a
keputusan RUPS harus memperhatikan kepentingan Pemegang GMS shall take into their considerations, the interest of Minority
Saham Minoritas dan pemangku kepentingan lainnya, Shareholders and Stakeholders, while the minority Shareholders
sedangkan Pemegang Saham Minoritas bertanggung jawab agar shall have the responsibility to exercise their rights appropriately.
menggunakan haknya dengan baik.
Perlakuan yang Sama terhadap Equal Treatment to All Shareholders

Seluruh Pemegang Saham
Dalam melaksanakan keterbukaan informasi, Bank Victoria In implementing information transparency, Bank Victoria through
menerapkan prinsip perlakuan yang sama kepada seluruh Pemegang its Corporate Secretary, applies the principle of treatment
Saham, baik terhadap Pemegang Saham Mayoritas maupun Minoritas equality to all of its Shareholders, both to Majority and Minority
yang dijalankan olehSekretaris Perusahaan. Hal tersebut bertujuan Shareholders. This aims to avoid inside information which is only
agar tidak terdapat informasi pihak dalam (inside information) yang known by the Majority Shareholders.
hanya diketahui oleh Pemegang Saham Mayoritas.
Pelaksanaan RUPS Tahun 2019 GMS Implementation In 2019

Pada tahun 2019, Bank Victoria telah menyelenggarakan 1 (satu) In 2019, Bank Victoria held 1 (one) Annual GMS and 1 (one)
kali RUPS Tahunan dan 1 (satu) kali RUPS Luar Biasa. RUPS Extraordinary GMS. The Annual GMS was held on 10 May 2019, and
Tahunan diselenggarakan pada 10 Mei 2019, sedangkan RUPS Extraordinary GMS was held on 1 March 2019.
Luar Biasa diselenggarakan pada 1 Maret 2019.
RUPS Tahunan 10 Mei 2019 Annual GMS 10 May 2019

Proses penyelenggaraan RUPS Tahunan sebagai berikut. The process to hold Annual GMS is as follows.
Keterangan Pelaksanaan
Description Implementation
Pemberitahuan Diberitahukan pada 26 Maret 2019 kepada Otoritas Jasa Keuangan.
Notification Notified on 26 March 2019 to the Financial Services Authority.
Pengumuman Diumumkan pada 8 April 2019 melalui situs laman Bank dan surat kabar harian Kontan.
Announcement Announced on 8 April 2019 on the Bank’s website and Kontan daily newspapers.
Diumumkan pada 18 April 2019 melalui situs laman Bank dan Bursa Efek Indonesia,
Pemanggilan serta surat kabar harian Kontan.
Notice Announced on 18 April 2019 on the Company Website, Indonesia Stock Exchange
website, and Kontan daily newspapers.
Diselenggarakan pada Jumat, 10 Mei 2019 pukul 09.18-10.35 WIB di Graha BIP, Function
Pelaksanaan Hall Lt. 11, Jl. Jend. Gatot Subroto Kav. 23, Jakarta 12930.
Implementation Held on Friday, 10 May 2019, at 09.18-10.35 WIB at Graha BIP, Function Hall 11th floor, Jl.
Jend. Gatot Subroto Kav. 23, Jakarta 12930.
Publikasi di surat kabar Diumumkan pada 14 Mei 2019 melalui surat kabar harian Kontan.
Publication on newspapers Announced on 14 May 2019 on Kontan daily newspapers.
Publikasi di situs web Bank Pokok-pokok RUPS tahunan diunggah pada 14 Mei 2019 pada situs laman Bank.
Penyampaian ringkasan Publication on the Bank’s website Highlights of the Annual GMS were uploaded on 14 May 2019 on the Bank’s website.
risalah RUPS
Submission of Summary of Pelaporan ke regulator dan
GMS Minutes penyampaian bukti iklan Dilaporkan hasil keputusan dan bukti iklan ringkasan risalah (hasil) RUPS Tahunan ke
ringkasan risalah Otoritas Jasa Keuangan pada 14 Mei 2019.
Reporting to the regulator and Resolutions and proof of advertisement on summary of minutes (results) of the
submitting proof of advertisement Annual GMS was reported to the Financial Services Authority on 14 May 2019.
of summary of minutes
Akta Risalah RUPS Tahunan disampaikan ke Otoritas Jasa Keuangan pada 27 Mei 2019.
Risalah
Minutes Deed of Minutes of Annual GMS was delivered to the Financial Services Authority on
27 May 2019.

Informasi kehadiran dalam RUPS Tahunan yang diselenggarakan Information on attendance at the Annual GMS held on 10 May 2019
pada 10 Mei 2019 sebagai berikut. is as follows.

Nama Jabatan Nama Jabatan

Name Position Name Position
Komisaris Utama Ahmad Fajar Direktur Utama
Oliver Simorangkir
President Commissioner President Director
Komisaris/Komisaris Independen
Gunawan Tenggarahardja Commissioner/Independent Rusli
Commissioner
Direktur
Lembing
Director
Direktur
Komisaris/Komisaris Independen Debora Wahjutirto Tanoyo
Director
Zaenal Abidin, PhD Commissioner/Independent
Commissioner Direktur Kepatuhan
dan Manajemen Risiko
Tamunan
Director of Compliance and Risk
Management
Pihak Independen Pemegang Saham

Independent Party Shareholders
Nama Jabatan
Name Position
Notaris
Fathiah Helmi, SH
Notary
Akuntan Publik, Kantor Akuntan

Publik Tanudiredja, Wibisana, Rintis
dan Rekan.
M Jusuf Wibisana
Public Accountant, Public
Accountant Firm Tanudiredja, Dihadiri oleh 7.110.699.343 saham atau 82,01% dari keseluruhan saham yang
Wibisana, Rintis and Partners. telah teralokasi.
AttEnded by 7,110,699,343 shares or 82.01% of the total shares allocated.
Konsultan Hukum, Kantor Konsultan
Moses F Dasilva Hukum Da Silva dan Suhardiadi.
(Moses Fernandez Da Silva) Legal Consultant, Legal Consultant
Office of Da Silva and Suhardiadi.
Biro Administrasi Efek Perseroan,

PT Adimitra Jasa Korpora.
Edi Purnomo
Share Registrar Bureau, PT Adimitra
Jasa Korpora.

Berikut penjabaran hasil keputusan RUPS Tahunan 10 Mei 2019. Description on the resolutions of Annual GMS on 10 May 2019 is
as follows.
Agenda
Laporan Tahunan Perseroan termasuk Laporan Direksi dan pengesahan Laporan Keuangan Tahunan serta Laporan Tugas
Pengawasan Dewan Komisaris untuk tahun buku yang berakhir pada 31 Desember 2018.
Company’s Annual Report, including the Board of Directors’ Report, and validation of the Annual Financial Statements as well as
Supervisory Report of Board of Commissioners for the fiscal year ending on 31 December 2018.
Keputusan Realisasi
Resolution Realization
1. Menyetujui Laporan Tahunan Perseroan untuk tahun buku yang berakhir pada 31 Desember 2018, Telah direalisasikan sepenuhnya.
termasuk Laporan Direksi dan Laporan Tugas Pengawasan Dewan Komisaris Perseroan; Fully realized.
2. Menyetujui serta mengesahkan Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada
31 Desember 2018 yang telah diaudit oleh Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis dan
Rekan dengan partner penanggung jawab Drs. M. Jusuf Wibisana, M, EC, CPA (sarjana ekonomi
akuntansi certified public accountant) dengan opini audit wajar, dalam semua hal yang material
sesuai dengan laporan NO.00297/2.1025/AU.1/07/0222-2/1/III/2019 tanggal 20 Maret 2019 dengan
demikian membebaskan anggota Direksi dan Dewan Komisaris Perseroan dari tanggung jawab dan
segala tanggungan (acquit et de charge) atas tindakan pengurusan dan pengawasan yang Direksi dan
Dewan Komisaris jalankan selama tahun buku 2018, sepanjang tindakan-tindakan mereka tercantum
dalam neraca dan laporan laba rugi Perseroan tahun buku 2018.
1. Approved the Company’s Financial Statements for the fiscal year ending on 31 December 2018,
including the Board of Directors’ Report and Supervisory Report of the Company’s Board of
Commissioners;
2. Approved and validated the Company’s Financial Statements for the fiscal year ending on 31
December 2018, which has been audited by the Public Accounting Firm Tanudiredja, Wibisana,
Rintis and Rekan, in which the partner in charge was Drs. M. Jusuf Wibisana, M, EC, CPA (Bachelor of
Economic, majoring in Accounting, Certified Public Accountant) with the audit opinion of fair in all
material matters in accordance with the report No. 00297/2.1025/AU.1/07/0222-2/1/III/2019 dated
20 March 2019, and therefore, released the members of the Company’s Board of Directors and Board
of Commissioners from the responsibility and any liability (acquit et de charge) for the actions of
management and supervision that the Board of Directors and Board of Commissioners executed
during the 2018 fiscal year, provided that their actions are contained in the Company’s balance sheet
and income statement for the 2018 fiscal year.
Pengambilan Suara
Voting
Setuju Tidak Setuju Abstain

Agree Disagree Abstain
6,539,260,880 0 571,438,463
Agenda
Penetapan penggunaan laba bersih Perseroan untuk tahun buku yang berakhir pada 31 Desember 2018.
Determination of the use of the Company’s net income for the fiscal year ending on 31 December 2018.
Keputusan Realisasi
Menyetujui penetapan penggunaan laba bersih Perseroan untuk tahun buku yang berakhir pada 31 Telah direalisasikan sepenuhnya dengan
Desember 2018 sebesar Rp79.096.025.216,-, karena masih diperlukan dana untuk pengembangan usaha menggunakan laba bersih untuk membentuk dana
Perseroan maka laba bersih tahun buku 2018 untuk dipergunakan sebagai berikut. cadangan minimum sebesar Rp11.200.000.000,-
1. Sebesar Rp11.200.000.000,- dibukukan sebagai pembentukan dana cadangan umum, guna dan laba membukukan laba di tahan sebesar
memenuhi ketentuan Pasal 70 Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan Rp67.896.025.216,-.
Pasal 24 Anggaran Dasar Perseroan. Fully realized by using the net income to form a
2. Sisanya sebesar Rp67.896.025.216,- akan dibukukan sebagai laba ditahan. minimum reserve fund of Rp11,200,000,000, and
Approved the determination of use of the Company’s net income for the fiscal year ending on 31 recorded retained earnings of Rp67,896,025,216.
December 2018 of 79,096,025,216, because funds are still needed to develop the Company’s business,
the net income for the 2018 fiscal year is to be used as follows.
1. A total of Rp11,200,000,000 was recorded as the formation of a general reserve fund to comply with
the provisions of Article 70 of Law No. 40 of 2007 on Limited Liability Company, and Article 24 of the
Company’s Articles of Association.
2. The remaining amount of Rp67,896,025,216 will be recorded as retained earnings.
Pengambilan Suara
Voting

6,538,315,643 945,237 571,438,463

Agenda
Pemberian kuasa dan wewenang kepada wakil Pemegang Saham untuk menetapkan besarnya honorarium anggota Dewan
Komisaris dan memberi kuasa dan wewenang kepada Dewan Komisaris untuk menetapkan pembagian tugas dan wewenang
anggota Direksi serta besarnya gaji dan tunjangan para anggota Direksi.
Granted power and authority to the Representative of Shareholders to determine the honorarium amount of members of Board of
Commissioners, and granted power and authority to the Board of Commissioners to determine the division of duties and authority
of members of Board of Directors, as well as the amount of salaries and allowances of members of the Board of Directors.
Keputusan Realisasi
1. Menyetujui untuk memberi kuasa dan wewenang kepada wakil Pemegang Saham Perseroan yaitu PT Telah direalisasikan sepenuhnya dengan
Victoria Investama Tbk untuk menetapkan besarnya honorarium anggota Dewan Komisaris untuk menetapkan total honorarium Dewan Komisaris
tahun 2019. sebesar Rp2.861.564.597,- dan Direksi sebesar
2. Menyetujui pelimpahan kuasa kepada Dewan Komisaris untuk menetapkan pembagian tugas dan Rp12.085.016.395,-.
wewenang anggota Direksi serta besarnya gaji dan tunjangan para anggota Direksi untuk tahun 2019. Fully realized, by determining the total
1. Approved the granting of power and authority to representatives of the Company’s Shareholders, honorarium of Board of Commissioners of
which is PT Victoria Investama Tbk, to determine the honorarium amount of members of Board of Rp2,861,564,597 and Board of Directors of
Commissioners for 2019. Rp12,085,016,395.
2. Approved the transfer of power to the Board of Commissioners to determine the division of duties
and authority of members of Board of Directors and the amount of salaries and allowances of
members of Board of Directors for 2019.
Pengambilan Suara
Voting

6,539,260,880 0 571,438,463
Agenda
Pengangkatan kembali anggota Direksi dan Dewan Komisaris Perseroan.
Re-Appointment of member of Board of Directors and Board of Commissioners of the Company.
Keputusan Realisasi
1. Menyetujui mengangkat kembali seluruh anggota Direksi dan Dewan Komisaris Perseroan terhitung Telah direalisasikan sepenuhnya.
sejak ditutupnya rapat ini. Fully realized.
Dengan demikian, terhitung sejak ditutupnya rapat ini sampai dengan penutupan rapat yang
diadakan pada tahun 2022, susunan anggota Direksi dan Dewan Komisaris Perseroan adalah:
Direksi
Direktur Utama : Ahmad Fajar
Wakil Direktur Utama : Rusli
Direktur : Lembing
Direktur : Debora Wahjutirto Tanoyo
Direktur Kepatuhan dan Manajemen Risiko : Tamunan
Dewan Komisaris
Komisaris Utama : Oliver Simorangkir
Komisaris/Komisaris Independen : Gunawan Tenggarahardja
Komisaris/Komisaris Independen : Zaenal Abidin, PhD
2. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi untuk menyatakan keputusan
rapat mengenai pengangkatan kembali seluruh anggota Direksi dan Dewan Komisaris Perseroan
dalam akta tersendiri di hadapan notaris dan untuk melakukan pemberitahuan kepada Menteri
Hukum dan Hak Asasi Manusia Republik Indonesia sehubungan dengan pengangkatan kembali
seluruh anggota Direksi dan Dewan Komisaris Perseroan tersebut di atas, serta melakukan segala
tindakan yang diperlukan dan disyaratkan oleh peraturan perundang-undangan yang berlaku.
1. Approved the re-appointment of all members of the Company’s Board of Directors and Board of
Commissioners starting from the closing of this Meeting.
Therefore, starting from the closing of this Meeting until the closing of the Meeting to be held in
2022, the composition of the Company’s Board of Directors and Board of Commissioners is as
follows.

Agenda
Pengangkatan kembali anggota Direksi dan Dewan Komisaris Perseroan.
Re-Appointment of member of Board of Directors and Board of Commissioners of the Company.
Keputusan Realisasi
Board of Directors
President Director : Ahmad Fajar
Deputy President Director : Rusli
Director : Lembing
Director : Debora Wahjutirto Tanoyo
Director of Compliance and Risk Management : Tamunan
President Commissioner : Oliver Simorangkir
Commissioner/Independent Commissioner : Gunawan Tenggarahardja
Commissioner/Independent Commissioner : Zaenal Abidin, PhD
2. Granted power to the Company’s Board of Directors with substitution right to state the Meeting
resolution on the re-appointment of all members of the Company’s Board of Directors and Board of
Commissioners in a separate deed, made before a notary, and to process the notification submission
to the Minister of Law and Human Rights of the Republic of Indonesia in connection to the re-
appointment of all members of the Company’s Board of Directors and Board of Commissioners as
mentioned above, as well as to take all actions deemed necessary and required by the applicable
laws and regulations.
Pengambilan Suara
Voting

6,539,260,880 0 571,438,463
Agenda
Penunjukan kantor akuntan publik untuk mengaudit buku-buku Perseroan untuk tahun buku 2019 dan pemberian kuasa kepada
Dewan Komisaris untuk menetapkan honorarium kantor akuntan publik tersebut serta persyaratan lain penunjukannya.
Appointment of public accountant firm to audit the Company books for the 2019 fiscal year and granting of power to the Board of
Commissioners to determine the honorarium for the public accountant firm , and other appointment requirements.
Keputusan Realisasi
Memberikan wewenang kepada Dewan Komisaris Perseroan untuk menunjuk akuntan publik independen Telah direalisasikan sepenuhnya dengan
dari kantor akuntan publik independen yang terdaftar di Otoritas Jasa Keuangan sehubungan dengan menunjuk Kantor Akuntan Publik Tanudiredja,
masih dalam proses penentuan akuntan publik yang akan mengaudit buku Perseroan dengan kriteria: Wibisana, Rintis dan Rekan dengan honorarium
1. Akuntan publik dan kantor akuntan publik wajib terdaftar pada Otoritas Jasa Keuangan; sebesar Rp1.500.000.000,-.
2. Kantor akuntan publik merupakan salah satu anggota dari big four dan akuntan publik; dan Fully realized by appointing Tanudiredja,
3. Kantor akuntan publik merupakan pihak yang independen dan profesional untuk mengaudit laporan Wibisana, Rintis and Partners Public Accounting
keuangan Perseroan untuk tahun buku 2019 dengan memperhatikan rekomendasi dari Komite Audit. Firm with honorarium of Rp1,500,000,000.
Melimpahkan kewenangan kepada Dewan Komisaris untuk menetapkan jumlah honorarium dan
persyaratan lain sehubungan dengan penunjukan kantor akuntan publik dimaksud.
Granted authority to the Company’s Board of Commissioners to appoint an independent public
accountant from an independent Public Accounting Firm recognized by the Financial Services
Authority, in relation to the ongoing process of determining an Independent Public Accountant that will
audit the Company’s books under the following criteria:
1. Public accountant and Public accounting firm must be registered with the Financial Services
Authority;
2. The public accounting firm must be a member of the big four accounting firms; and
3. Public accounting firm is an independent and professional party to audit the Company’s financial
statements for the 2019 fiscal year with due observance of recommendations from the Audit Committee.
Granted an authority to Board of Commissioners to determine the amount of honorarium and other
requirements in relation to appointment of such public accounting firm.
Pengambilan Suara
Voting

6,539,260,880 0 571,438,463

Agenda
Peningkatan modal tanpa hak memesan efek terlebih dahulu.
Capital increase without pre-emptive rights.
Keputusan Realisasi
1. Menyetujui rencana peningkatan modal tanpa hak memesan efek terlebih dahulu Perseroan dengan Telah direalisasikan sepenuhnya dengan
jumlah sebanyak-banyaknya sebesar 10% dari modal ditempatkan dan disetor penuh dalam Perseroan. meningkatkan modal tanpa hak memesan
2. Memberikan kewenangan dan kuasa kepada Direksi Perseroan untuk melaksanakan keputusan efek terlebih dahulu serta menetapkan jumlah
rapat, menyatakan realisasi jumlah saham yang dikeluarkan dalam penambahan modal tanpa modal ditempatkan dan disetor sebesar
memberikan hak memesan efek terlebih dahulu (HMETD) dan menetapkan kepastian jumlah modal di Rp895.194.703.900,-.
tempatkan dan disetor serta menyatakan perubahan Pasal 4 ayat 2 dan 3 Anggaran Dasar Perseroan Fully realized by increasing the capital without
di hadapan notaris, sehubungan dengan peningkatan modal di tempatkan dan disetor Perseroan dan any pre-emptive right and by determining the
untuk memohon pemberitahuan kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia total number of subscribed and paid up capital
sehubungan dengan perubahan Pasal 4 ayat 2 dan 3 Anggaran Dasar Perseroan serta melakukan at the amount of Rp895,194,703,900.
segala tindakan yang diperlukan dan disyaratkan oleh peraturan perundang-undangan yang berlaku.
1. Approved the Company’s capital increase plan without any pre-emptive right at the maximum of 10%
of the fully subscribed and paid up capital in the Company.
2. Granted authority and power to the Company’s Board of Directors to implement meeting resolutions,
to declare the realization of number of shares issued in the capital increase without any pre-emptive
right (HMETD) and to determine the fixed total number of shares subscribed and issued and to declare
the amendment of Article 4 paragraph 2 and 3 of the Company’s Articles of Association before a
notary, in relation to the increase of Company’s subscribed and paid up capital and to request a
notification to the Minister of Law and Human Rights of The Republic of Indonesia in relation to the
Amendment to Article 4 paragraph 2 and 3 of the Company’s Articles of Association and to carry out
all actions necessary and required by the laws and regulations in effect.
Pengambilan Suara
Voting

6,538,315,643 945,237 571,438,463
Agenda
Perubahan Anggaran Dasar.
Amendments to the Articles of Association.
Keputusan Realisasi
Agenda ketujuh dalam rapat tidak dibahas dan tidak mengambil keputusan. -
Item number seven of the meeting agenda was not discussed and no resolution was adopted.
Agenda
Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Obligasi Berkelanjutan I Bank Victoria Tahap II tahun 2018
dan Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Obligasi Subordinasi Berkelanjutan I Bank Victoria
Tahap II tahun 2018.
Report on The Use of Sustainable Public Offering Proceeds for Sustainable Bonds I of Bank Victoria, Phase II Year 2018 and Report
on The Use of Sustainable Public Offering For Sustainable Subordinated Bond of Bank Victoria Phase II Year 2018.
Keputusan Realisasi
Agenda kedelapan mengenai Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Telah direalisasikan sepenuhnya.
Obligasi Berkelanjutan I Bank Victoria Tahap II tahun 2018 dan Laporan Realisasi Penggunaan Dana Fully realized.
Penawaran Umum Berkelanjutan Obligasi Subordinasi Berkelanjutan I Bank Victoria Tahap II tahun
2018, hanya bersifat laporan tidak mengambil keputusan.
Item no. eight of the meeting Agenda regarding Report on The Use of Sustainable Public Offering
Proceeds for Sustainable Bonds I of Bank Victoria, Phase II Year 2018 and Report on The Use of
Sustainable Public Offering For Sustainable Subordinated Bond of Bank Victoria Phase II Year 2018, is
only intended for a reporting, and no resolution was adopted.

RUPS Luar Biasa 1 Maret 2019 Extraordinary GMS 1 March 2019

Proses penyelenggaraan RUPS Luar Biasa sebagai berikut. The Extraordinary GMS process is as follows.
Pemberitahuan Diberitahukan pada 16 Januari 2019 kepada Otoritas Jasa Keuangan.
Notification Notified on 16 January 2019 to the Financial Services Authority.
Pengumuman Diumumkan pada 23 Januari 2019 melalui situs laman Bank dan surat kabar harian Kontan.
Announcement Announced on 23 January 2019 on the Bank’s website and Kontan daily newspapers.
Pemanggilan Diumumkan pada 7 Februari 2019 melalui situs laman Bank dan surat kabar harian Kontan.
Notice Announced on 7 February 2019 on the Bank’s website and Kontan daily newspapers.
Diselenggarakan pada Jumat, 1 Maret 2019 pukul 10.38-10.53 WIB di Graha BIP, Function
Pelaksanaan Hall Lt. 11, Jl. Jend. Gatot Subroto Kav. 23, Jakarta 12930.
Implementation Held on Friday, 1 March 2019, at 10.38-10.53 WIB at Graha BIP, Function Hall 11th floor, Jl.
Jend. Gatot Subroto Kav. 23, Jakarta 12930.
Publikasi di surat kabar Diumumkan pada 5 Maret 2019 melalui surat kabar harian Kontan.
Publication on newspapers Announced on 5 March 2019 through Kontan daily newspapers.
Publikasi di situs web Bank

Pokok-pokok RUPS tahunan diunggah 5 Maret 2019 pada situs laman Bank.
Publication on the Bank’s Highlights of the Annual GMS were uploaded on 5 March 2019 on the Bank’s website.
Penyampaian ringkasan website
risalah RUPS
Submission of Summary of Pelaporan ke regulator dan
GMS Minutes penyampaian bukti iklan
Dilaporkan hasil keputusan dan bukti iklan ringkasan risalah (hasil) RUPS Tahunan ke
ringkasan risalah
Otoritas Jasa Keuangan pada 5 Maret 2019.
Reporting to the regulator
Report on the resolutions and proof of advertisement of summary of minutes (results)
and submitting proof of
of the Annual GMS to the Financial Services Authority on 5 March 2019.
advertisement of summary of
minutes.
Akta Risalah RUPS Tahunan disampaikan ke Otoritas Jasa Keuangan pada 22 Maret 2019.
Risalah
Minutes Deed of Minutes of Annual GMS was delivered to the Financial Services Authority
on 22 March 2019.
Informasi kehadiran dalam RUPS Luar Biasa yang diselenggarakan Information on attendance at the Extraordinary GMS held on 1
pada 1 Maret 2019 sebagai berikut. March 2019 is as follows.

Komisaris/Komisaris Independen Direktur Utama

Ahmad Fajar President Director
Gunawan Tenggarahardja Commissioner/Independent
Commissioner
Direktur
Lembing
Director
Direktur
Komisaris/Komisaris Independen Debora Wahjutirto Tanoyo
Director
Zaenal Abidin, PhD Commissioner/Independent
Commissioner Direktur Kepatuhan dan
Manajemen Risiko
Tamunan
Director of Compliance and
Risk Management


Nama Jabatan
Name Position
Notaris
Fathiah Helmi, SH
Notary

dan Rekan.
M Jusuf Wibisana
Dihadiri oleh 7.984.621.809 saham atau 92,08% dari keseluruhan saham
Accountant Firm Tanudiredja,
yang telah dialokasikan.
Wibisana, Rintis and Partners.
Attended by 7,984,621,809 shares or 92.08% of the total shares allocated.
Moses F Dasilva Hukum Da Silva dan Suhardiadi.
(Moses Fernandez Da Silva) Legal Consultant, Legal Consultant

Andry
Jasa Korpora.
Berikut penjabaran hasil keputusan RUPS Luar Biasa 1 Maret 2019. Below is the explanation of the Extraordinary GMS Resolutions
dated 1 March 2019.
Agenda
Perubahan susunan pengurus Perseroan.
Change in the Company’s management.
Keputusan Realisasi
1. Menerima pengunduran diri Ramon Marlon Runtu terhitung sejak ditutupnya rapat, dengan ucapan Telah direalisasikan sepenuhnya.
terima kasih atas sumbangan tenaga dan pikiran yang diberikan selama menjabat sebagai anggota Fully realized.
Direksi. Dengan demikian, terhitung sejak ditutupnya rapat ini sampai dengan penutupan RUPS
Tahunan Perseroan yang diadakan pada tahun 2019, maka susunan anggota Direksi dan Dewan
Komisaris Perseroan sebagai berikut.
Direksi
Direktur Utama : Ahmad Fajar
Direktur : Lembing
Direktur : Debora Wahjutirto Tanoyo.
Dewan Komisaris (tidak mengalami perubahan)

rapat mengenai perubahan anggota Direksi Perseroan dalam akta tersendiri di hadapan notaris dan
untuk melakukan pemberitahuan kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
sehubungan dengan perubahan anggota Direksi Perseroan tersebut di atas, serta melakukan segala
tindakan yang diperlukan dan disyaratkan oleh peraturan perundang-undangan yang berlaku.

Agenda
Perubahan susunan pengurus Perseroan.
Change in the Company’s management.
Keputusan Realisasi
1. Accepted the resignation of Ramon Marlon Runtu starting from the closing of this Meeting by
conveying gratitude for the contribution of energy and thought given during the term of office as
member of the Board of Directors. Therefore, starting from the closing of this Meeting until the
closing of the Company’s Annual GMS held in 2019, the composition of the Company’s Board of
Directors and Board of Commissioners is as follows.
Board of Directors
President Director : Ahmad Fajar
Director : Lembing
Director : Debora Wahjutirto Tanoyo
Board of Commissioners (no changes)

2. Granted power to the Company’s Board of Directors with substitution right to state the meeting
resolution on the change of member of Board of Directors in a separate deed, made before a notary,
and to process notification submission to the Minister of Law and Human Rights of the Republic of
Indonesia in relation to the change of member of the Company’s Board of Directors as mentioned above,
as well as taking all actions deemed necessary and required by the applicable laws and regulations.
Pengambilan Suara
Voting

7,984,621,809 0 0
Pelaksanaan RUPS Tahun 2018 GMS Implementation In 2018

Pada tahun 2018, Bank Victoria telah menyelenggarakan 1 (satu) In 2018, Bank Victoria held 1 (one) Annual GMS and 1 (one)
kali RUPS Tahunan dan 1 (satu) kali RUPS Luar Biasa. RUPS Extraordinary GMS. The Annual GMS was held on 18 May 2018,
Tahunan diselenggarakan pada 18 Mei 2018, sedangkan RUPS and Extraordinary GMS was held on 26 October 2018. Below is the
Luar Biasa diselenggarakan pada 26 Oktober 2018. Berikut uraian description of the 2018 Annual GMS.
RUPS tahun 2018.
RUPS Tahunan 18 Mei 2018 Annual GMS 18 May 2018

Proses penyelenggaraan RUPS Tahunan sebagai berikut. The process to hold Annual GMS is as follows.
Pemberitahuan Diberitahukan pada 27 Maret 2018 kepada Otoritas Jasa Keuangan.
Notification Notified to the Financial Services Authority on 27 March 2018.
Pengumuman Diumumkan pada 4 April 2018 melalui situs laman Bank dan surat kabar harian Kontan.
Announcement Announced on 4 April 2018 through the Bank’s website and Kontan daily newspaper.
Pemanggilan Diumumkan pada 24 April 2018 melalui situs laman Bank dan surat kabar harian Kontan.
Notice Announced on 24 April 2018 through the Bank’s website and Kontan daily newspaper.
Dilaksanakan pada Jumat, 18 Mei 2018 pukul 09.21-10.38 WIB di Graha BIP, Function Hall Lt.
Pelaksanaan 11, Jl. Jend. Gatot Subroto Kav. 23, Jakarta 12930.
Implementation Held on Friday dated 18 May, 2018 09:21-10:38, Graha BIP, Function Hall 11th fl, Jend. Gatot
Subroto Kav. 23, Jakarta 12930.

Publikasi di surat kabar Diumumkan pada 22 Mei 2018 melalui surat kabar harian Kontan.
Publication on newspapers Announced on 22 May 2018 through the Bank’s website and Kontan daily newspaper.
Publikasi di situs web Bank Pokok-pokok RUPS Tahunan diunggah 22 Mei 2018 pada situs laman Bank.
Penyampaian
Publication on the Bank’s website Highlights of the Annual GMS were uploaded on 22 May 2018 on the Bank’s website.
ringkasan risalah RUPS
Submission of Pelaporan ke regulator dan
Summary of GMS penyampaian bukti iklan Dilaporkan hasil keputusan dan bukti iklan ringkasan risalah (hasil) RUPS Tahunan ke
Minutes ringkasan risalah Otoritas Jasa Keuangan pada 22 Mei 2018.
Reporting to the regulator and Report on the resolutions and proof of advertisement of summary of minutes (results) of the
submitting proof of advertisement Annual GMS to the Financial Services Authority on22 May 2018.
Risalah Akta Risalah RUPS Tahunan disampaikan ke Otoritas Jasa Keuangan pada 21 Mei 2018.
Resolution Deed of Minutes of Annual GMS is delivered to the Financial Services Authority on 21 May 2018.
Informasi kehadiran dalam RUPS Tahunan yang diselenggarakan Information on attendance at the Annual GMS held on 18 May 2018
pada 18 Mei 2018 sebagai berikut. is as follows.


Komisaris Utama Direktur Utama
Oliver Simorangkir Daniel Budirahayu
President Commissioner President Director

Gunawan Tenggarahardja Commissioner/ Independent Rusli
Commissioner

Direktur
Zaenal Abidin, PhD Commissioner/ Independent Ramon Marlon Runtu
Director
Commissioner

Komisaris
Debora Wahjutirto Tanoyo Tamunan Director of Compliance and Risk
Commissioner
Management

Nama Jabatan
Name Position
Notaris
Fathiah Helmi, SH
Notary

dan Rekan.
M Jusuf Wibisana
Dihadiri oleh 6.531.498.968 saham atau 75,33% dari keseluruhan saham
yang telah dialokasikan.
Attended by 6,531,498,968 shares or 75.33% of the total shares allocated.
Moses F Dasilva (Moses Fernandez Hukum Da Silva dan Suhardiadi.
Da Silva) Legal Consultant, Legal Consultant

Rosmaida Marpaung
Jasa Korpora.

Berikut penjabaran hasil keputusan RUPS Tahunan 18 Mei 2018. Below is the description of the Annual GMS Resolutions dated 18
May 2018.
Agenda
Laporan Tahunan Perseroan Termasuk Laporan Direksi dan Pengesahan Laporan Keuangan Tahunan serta Laporan Tugas
Pengawasan Dewan Komisaris untuk tahun buku yang berakhir pada 31 Desember 2017.
Company’s Annual Report including the Board of Directors’ Report and Ratification of the Annual Financial Statements as well as
Report of the Supervisory Duty of the Board of Commissioners for the Fiscal Year ended on 31 December 2017.
Keputusan Realisasi
1. Menerima baik dan menyetujui Laporan Tahunan Perseroan untuk tahun buku yang berakhir pada Telah direalisasikan sepenuhnya.
31 Desember 2017, termasuk Laporan Direksi dan laporan tugas pengawasan Dewan Komisaris Fully realized.
Perseroan.
2. Menerima baik dan menyetujui serta mengesahkan Laporan Keuangan Perseroan untuk tahun buku
yang berakhir pada 31 Desember 2017 yang telah diaudit oleh Kantor Akuntan Publik Tanudiredja,
Wibisana, Rintis dan Rekan dengan partner penanggung jawab Drs. M Jusuf Wibisana, M, Ec, CPA
dengan opini audit wajar dalam semua hal yang material sesuai dengan laporan No. A180322002/
DC2/MJW/2018 tanggal 22 Maret 2018 dengan demikian membebaskan anggota Direksi dan Dewan
Komisaris Perseroan dari tanggung jawab dan segala tanggungan (acquit et de charge) atas tindakan
pengurusan dan pengawasan yang Direksi dan Dewan Komisaris jalankan selama tahun buku 2017,
sepanjang tindakan-tindakan mereka tercantum dalam neraca dan laporan laba rugi Perseroan
tahun buku 2017.
1. Well accepted and approved the Company’s Annual Report ended on 31 December 2017, including the
Board of Directors’ Report and the Board of Commissioners’s Report of the Supervisory Duty.
2. Well accepted, approved, and endorsed the Company’s Annual Financial Statements for the fiscal
year ended on 31 December 2017 which has been audited by the Public Accountant Firm, Tanudiredja,
Wibisana, Rintis & Rekan with the partner in charge, Drs. M. Jusuf Wibisana, M, Ec, CPA with audit
opinion of unqualified in all material according to the report No. A180322002/DC2/MJW/2018
dated 22 March 2018, therefore it released all members of the Board of Directors and the Board of
Commissioners responsibilities and any liability (acquit et de charge) for the actions and supervision
of the Board of Directors and the Board of Commissioners executed within the fiscal year of 2017,
provided that their actions are contained in the balance sheet an income statements of the Company
for the fiscal year of 2017.
Pengambilan Suara
Voting

6,531,498,968 0 0
Agenda
Penetapan penggunaan laba bersih Perseroan untuk tahun buku yang berakhir pada 31 Desember 2017.
Determining for the Use of the Company’s Net Income for the fiscal year ended on 31 December 2017.
Keputusan Realisasi
Menyetujui penetapan penggunaan laba bersih Perseroan untuk tahun buku yang berakhir pada 31 Desember Telah direalisasikan sepenuhnya oleh Bank
2017 sebesar Rp131.387.618.296,- dan oleh karena masih diperlukan dan untuk pengembangan usaha dengan membentuk dana cadangan minimum
Perseroan, maka laba bersih tahun buku 2017 tersebut diusulkan untuk dipergunakan sebagai berikut. sebesar Rp25.000.000.000,- dan tidak membagi
1. Sebesar Rp25.000.000.000,- dibukukan untuk pembentukan dana cadangan umum guna memenuhi dividen untuk tahun buku 2017.
ketentuan Pasal 70 Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan Pasal 24 Fully realized by the Bank by forming a
Anggaran Dasar Perseroan. minimum reserve fund at the amount of
2. Sisanya sebesar Rp106.387.618.296,- akan dibukukan sebagai laba ditahan. Rp25,000,000,000,- and no dividend distribution
for 2017 fiscal year.
Dengan demikian Perseroan tidak memberikan dividen untuk tahun buku 2017.
Approved the determination of the Company’s net income for the fiscal year ended 31 December 2017
amounting to Rp131,387,618,296.00, and therefore it is still required, and for the Company’s business
development, such net income for the fiscal year of 2017 is proposed to be used for the following.
1. Amounting to Rp25,000,000,000.00 is recorded for creating the general reserves to meet the
regulation on Article 40 of Law No. 40 year 2007 on Limited Liability Companies and Article 24 of the
2. The remaining of Rp106,387,618,296.00 will be recorded as retained earnings.
Therefore, the Company did not distribute dividend for the fiscal year of 2017.

Pengambilan Suara
Voting

6,531,498,968 0 0
Agenda
Pemberian kuasa dan wewenang kepada wakil Pemegang Saham untuk menetapkan besarnya honorarium anggota Dewan
Komisaris dan memberi kuasa dan wewenang kepada Dewan Komisaris untuk menetapkan pembagian tugas dan wewenang
anggota Direksi serta besarnya gaji dan tunjangan para anggota Direksi.
The grant of power and authority to the representatives of Shareholders to determine the amount of honorarium for members of
the Board of Commissioners and to grant power and authority to the Board of Commissioners for setting division of duties and
responsibilities of the Board of Directors as well as the amount salary and allowance for members of
the Board of Directors.
Keputusan Realisasi
1. Menyetujui pemberian kuasa dan wewenang kepada wakil Pemegang Saham Perseroan yaitu PT Telah direalisasikan dengan menetapkan
Victoria Investama Tbk untuk menetapkan besarnya honorarium anggota Dewan Komisaris untuk tugas dan wewenang anggota Direksi serta
tahun 2018. menetapkan honorarium Dewan Komisaris
2. Menyetujui pelimpahan wewenang kepada Dewan Komisaris Perseroan untuk menetapkan sebesar Rp3.623.253.324,- dan Direksi sebesar
pembagian tugas dan wewenang anggota Direksi serta besarnya gaji dan tunjangan para anggota Rp15.878.920.414,-.
Direksi untuk tahun 2018. Fully realized by determining duties and
1. Approved for granting the power and authority to the representatives of the Company’s shareholders authorities of member of Board of Directors
namely, PT Victoria Investama Tbk to determine the amount of honorarium for the members of Board and determining the honorarium of Board of
of Commissioners for the year of 2018. Commissioners at Rp Rp3,623,253,324,- and
2. Approved the transfer of power to the Company’s Board of Commissioners to determine the division Rp15,878,920,414,- for the Board of Directors.
of duties and responsibilities of members of the Board of Directors including the amount of salaries
and allowances for members of the Board of Directors for the year of 2018.
Pengambilan Suara
Voting

6,531,498,968 0 0
Agenda
Penunjukan akuntan publik untuk mengaudit buku-buku Perseroan untuk tahun buku 2018 dan pemberian kuasa kepada Dewan
Komisaris untuk menetapkan honorarium kantor akuntan publik tersebut serta persyaratan lain penunjukannya.
The appointment of Public Accountant to Audit the Company’s Books for the Financial Year of 2018 Granting Power to members of
the Board of Commissioners to Determine Honorarium of such Public Accountant Firm as well as other requirements related to the
appointment.
Keputusan Realisasi
Memberikan kewenangan kepada Dewan Komisaris Perseroan untuk menunjuk akuntan publik Dewan Komisaris telah menunjuk Kantor
independen dari kantor akuntan publik independen yang terdaftar di Otoritas Jasa Keuangan Akuntan Publik Tanudiredja, Wibisana, Rintis
sehubungan dengan masih dalam proses penentuan kantor akuntan publik independen yang akan dan Rekan untuk mengaudit buku Perseroan
mengaudit buku Perseroan, untuk mengaudit Laporan Keuangan Perseroan untuk tahun buku 2018 dan Laporan Keuangan Bank dengan fee sebesar
dengan memperhatikan rekomendasi dari Komite Audit dan melimpahkan kewenangan kepada Dewan Rp1.976.000.000,-.
Komisaris untuk menetapkan jumlah honorarium dan persyaratan lain sehubungan dengan penunjukan The Board of Commissioners appointed Public
kantor akuntan publik independen dimaksud. Accountant Firm KAP Tanudiredja, Wibisana,
Granted authority to the Company’s Board of Commissioners to appoint an Independent Public Rintis and Partners to audit the Company’s
Accountant registered by the Financial Services Authority relating to the ongoing process of records and the Bank’s financial statements with
determining an Independent Public Accountant that will audit the Company’s books, audit the the fee of Rp1,976,000,000.
Company’s financial statements for the fiscal year of 2018 taking into account the recommendation
provided from the audit committe and the transfereed authority to the Board of Commissioners to
determine the amount of honorarium and other requirements in relation to the appointement of an
Independent Public Accountant Firm.
Pengambilan Suara
Voting

6,531,498,968 0 0

Agenda
Perubahan susunan pengurus Perseroan
Change in the composition of Management of the Company.
Keputusan Realisasi
1. Menerima pengunduran diri: Telah direalisasikan sepenuhnya.

a. Rita Gosal dari jabatannya sebagai Direksi Perseroan. Fully realized.
b. Daniel Budirahayu dari jabatannya sebagai Direktur Utama Perseroan.
Terhitung sejak di tutupnya Rapat Umum Pemegang Saham Tahunan ini dengan ucapan terima
kasih atas sumbangan tenaga dan pikiran yang diberikan selama menjabat sebagai anggota
Direksi dan membebaskan dari tanggung jawab dan segala tanggungan (acquit et de charge) atas
tindakan pengurusan yang dijalankan sepanjang disetujui oleh Rapat Umum Pemegang Saham
Tahunan 2017 yang diselenggarakan di tahun 2018.
2. Menyetujui pengangkatan:
a. Ahmad Fajar sebagai Direktur Utama Perseroan.
b. Lembing sebagai Direktur Perseroan.
c. Debora Wahjutirto Tanoyo sebagai Direktur Perseroan.
Pengangkatan tersebut berlaku efektif terhitung sejak diperoleh persetujuan dari Otoritas Jasa
Keuangan atas penilaian kemampuan dan kepatutan (fit and proper test) dan memenuhi peraturan
perundang-undangan yang berlaku serta memberhentikan dengan hormat Debora Wahjutirto
Tanoyo sebagai Komisaris Perseroan apabila pengangkatannya tersebut telah mendapat
persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatutan (fit and proper
test). Dengan demikian, terhitung sejak ditutupnya rapat ini susunan anggota Direksi dan Dewan
Komisaris Perseroan adalah sebagai berikut.
Direksi
Direktur : Ramon Marlon Runtu
Dewan Komisaris
Komisaris : Debora Wahjutirto Tanoyo
dan setelah diperoleh persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan
kepatutan (fit and proper test) sampai dengan penutupan RUPS Tahunan Perseroan yang diadakan
pada tahun 2019, susunan anggota Direksi dan Dewan Komisaris Perseroan sebagai berikut.
Direksi
Direktur Utama : Ahmad Fajar*
Direktur : Lembing*
Direktur : Debora Wahjutirto Tanoyo*
Dewan Komisaris
* Berlaku efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas penilaian
kemampuan dan kepatutan (fit and proper test).
3. Memberikan kuasa kepada Direksi Perseroan untuk menyatakan keputusan rapat mengenai
perubahan anggota Direksi dan Dewan Komisaris Perseroan dalam akta tersendiri di hadapan
notaris dan untuk memohon pemberitahuan kepada Menteri Hukum Dan Hak Asasi Manusia Republik
Indonesia sehubungan dengan perubahan anggota Direksi dan Dewan Komisaris Perseroan tersebut
di atas, serta melakukan segala tindakan yang diperlukan dan disyaratkan oleh peraturan perundang-
undangan yang berlaku.

Agenda
Perubahan susunan pengurus Perseroan
Change in the composition of Management of the Company.
Keputusan Realisasi
1. Accepted the resignation of the following names:

a. Rita Gosal from her position as the Company’s Director.
b. Daniel Budirahayu from his position as the Company’s President Director.
As of the closing of the Annual General Meeting of Shareholders, with an appreciation and
gratitude for the contribution of energy and thought while serving as the members of the Board
of Directors and released from the responsibilities and any liability (acquit et de charge) for the
management actions insofar as it is approved by the Annual Meeting of Shareholders 2017 held in
2018.
2. Approved to appoint the following names:

a. Ahmad Fajar as the Company’s President Director.
b. Lembing as the Company’s Director.
c. Debora Wahjutirto Tanoyo as the Company’s Director.
Such appointments will be effective upon the approval obtained by the Financial Services
Authority on the assessment of fit and proper test and having met with the applicable laws and
regulations, as well as terminated Debora Wahjutirto Tanoyo as the Company’s Commissioner
provided that such appointment has been approved by the Financial Services Authority on the
assessment of fit and proper test. Therefore, as of the closing of this meeting the composition of
the Company’s Board of Commissioners is the following.
Board of Directors
Director : Ramon Marlon Runtu
Commssioner/Independent Commssioner : Gunawan Tenggarahardja
Commissioner/Independen Commissioner : Zaenal Abidin, PhD
Commissioner : Debora Wahjutirto Tanoyo
and after having obtained approval from the Financial Services Authority on the assessment of fit
and proper test until the closing of the Company’s Annual General Meeting of Shareholders held in
2019, the composition of the Board of Directors and the Board of Commissioners is as follows.
Board of Directors
President Director : Ahmad Fajar*
Director : Lembing*
Director : Debora Wahjutirto Tanoyo*
Commisioner/Independent Commissioner : Zaenal Abidin, PhD
* will be effective upon approval from the Financial Services Authority on the assessment of fit
and proper test.
3. Granted power to the Company’s Board of Directors to declare resolutions of the Meeting on the
changes in the Company’s Board of Directors and the Board of Commissioners in a separate deed
made before a Notary, and to request a notification to the Minister of Law and Human Rights of the
Republic of Indonesia concerning the changes in the Company’s members of the Board of Directors
and the Board of Commissioners as above mentioned, as well as to take any necessary action
required by the prevailing laws and regulations.
Pengambilan Suara
Voting

6,531,498,968 0 0

Agenda
Persetujuan pengeluaran saham baru tanpa Hak Memesan Efek Terlebih Dahulu (HMETD) melalui program Management Stock
Option Program (MSOP).
Approval on the Disbursement of new shares without Preemptive Right through Management Stock Option Program (MSOP).
Keputusan Realisasi
Memberikan wewenang kepada Direksi Perseroan dengan persetujuan Dewan Komisaris untuk Belum direalisasikan karena perubahan rencana
melaksanakan dan menetapkan tata cara Management Stock Option Program (MSOP) untuk dimintakan bisnis Bank.
persetujuan rapat sesuai dengan ketentuan peraturan perundang-undangan yang berlaku di bidang Not yet realized due to changes in the Bank's
pasar modal dan perbankan. business plan.
Granted authority to the Company’s Board of Directors as approved by the Board of Commissioners to
undertake and establish the procedures of Management of Stock Option Program (MSOP) to gain approval
from the Meeting according to the applicable rules and regulations in the Capital Market and Banking.
Pengambilan Suara
Voting

6,531,498,968 0 0
Agenda
Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Obligasi Berkelanjutan I Bank Victoria Tahap I Tahun 2017 dan
Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Obligasi Subordinasi Berkelanjutan I Bank Victoria Tahap I
Tahun 2017.
Report on the Use of Public Offering Proceeds for Sustainable Bond I of Bank Victoria Stage I of Year 2017, and Report on the
Realization of the Use of Public Offering Proceeds for Sustainable Subordinated Bonds I of Bank Victoria Stage I Year 2017.
Keputusan Realisasi
Agenda rapat ketujuh mengenai Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Telah direalisasikan sepenuhnya.
Obligasi Berkelanjutan I Bank Victoria Tahap I Tahun 2017 dan Laporan Realisasi Penggunaan Dana Fully realized.
Penawaran Umum Berkelanjutan Obligasi Subordinasi Berkelanjutan I Bank Victoria Tahap I Tahun 2017,
hanya bersifat laporan tidak mengambil keputusan.
The seventh Meeting Agenda concerning the Realization Report on the Use of Continuous Public
Offering Funds I of Bank Victoria, Stage I in 2017 and Realization Report on the Use of Continous Public
Offering Funds of Continuous Subordinated Bonds I of Bank Victoria Stage I in 2017, is only a reporting
not for decision making.
RUPS Luar Biasa 26 Oktober 2018 Extraordinary GMS 26 October 2018

Proses penyelenggaraan RUPS Luar Biasa sebagai berikut. The Extraordinary GMS process is as follows:
Pemberitahuan Diberitahukan pada 12 September 2018 kepada Otoritas Jasa Keuangan.
Notification Notified to the Financial Services Authority on 12 September 2018.
Diumumkan pada 19 September 2018 melalui situs laman Bank dan surat
Pengumuman kabar harian Kontan.
Announcement Announced on 19 September 2018 through the Bank’s website and Kontan
daily newspaper.
Diumumkan pada 4 Oktober 2018 melalui situs laman Bank dan surat kabar
Pemanggilan harian Kontan.
Notice Announced on 4 October 2018 though the Bank’s website and Kontan daily
newspaper.
Diselenggarakan pada Jumat, 26 Oktober 2018 pukul 10.17-10.41 WIB di Graha

Penyelenggaraan BIP, Function Hall Lt. 11, Jl. Jend. Gatot Subroto Kav. 23, Jakarta 12930.
Implementation Conducted on Friday dated 26 October 2018, at 10.17-10.41 at Graha BIP,
Function Hall 11th fl. At Jalan Jend. Gatot Subroto Kav. 23, Jakarta 12930.

Publikasi di surat kabar Diumumkan pada 30 Oktober 2018 melalui surat kabar harian Kontan.
Publication on newspapers Announced on 30 October 2018 through and Kontan daily newspaper.
Pokok-pokok RUPS Luar Biasa diunggah 30 Oktober 2018 pada situs laman
Publikasi di situs web Bank Bank.
Penyampaian ringkasan risalah Publication on the Bank’s website Highlights of the Extraordinary GMS were uploaded on 30 October 2018 on
RUPS the Bank’s website.
Submission of Summary of GMS
Minutes Pelaporan ke regulator dan
Dilaporkan hasil keputusan dan bukti iklan ringkasan risalah (hasil) RUPS
penyampaian bukti iklan ringkasan
Luar Biasa ke Otoritas Jasa Keuangan pada 30 Oktober 2018.
risalah
Report on the resolutions and proof of advertisement of summary of
Reporting to the regulator and
minutes (results) of the Extraordinary GMS to the Financial Services
submitting proof of advertisement
Authority on 30 October 2018.
Akta Risalah RUPS Luar Biasa disampaikan ke Otoritas Jasa Keuangan pada
Risalah 12 November 2018.
Resolution Deed of Minutes of Extraordinary GMS is delivered to the Financial Services
Authority on 12 November 2018.
Informasi kehadiran dalam RUPS Luar Biasa yang diselenggarakan Information on attendance at the Extraordinary GMS held on 26
pada 26 Oktober 2018 sebagai berikut. October 2018 is as follows.


Komisaris Utama Wakil Direktur Utama
Oliver Simorangkir Rusli
President Commissioner Deputy President Director
Direktur
Gunawan Tenggarahardja Commissioner/Independent Ramon Marlon Runtu
Director
Commissioner
Zaenal Abidin, PhD Direktur Kepatuhan dan
Commissioner/Independent
Manajemen Risiko
Commissioner Tamunan
Komisaris Risk Management
Commissioner

Nama Jabatan
Name Position
Notaris
Fathiah Helmi, SH
Notary

Publik Tanudiredja, Wibisana, Rintis Dihadiri oleh 7.568.212.591 saham atau 87,28% dari keseluruhan saham yang
dan Rekan. telah dialokasikan.
Lucy Luciana Suhenda
Public Accountant, Public Attended by 7,568,212,591 shares or 87.28% of the total shares allocated.

Andry
Jasa Korpora.

Berikut penjabaran hasil keputusan RUPS Luar Biasa Below is the description of the Extraordinary GMS Resolution
26 Oktober 2018. dated 26 October 2018.
Agenda
Perubahan tempat kedudukan Perseroan.
Change in the domicile of the Company.
Keputusan Realisasi
1. Menyetujui untuk merubah tempat kedudukan Perseroan yang semula berkedudukan di Jakarta Telah direalisasikan sepenuhnya dengan
Pusat menjadi berkedudukan di Jakarta Selatan. memindahkan tempat kedudukan Bank dari
2. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi untuk menyatakan perubahan Panin Tower Lt. 15, Senayan City Jl. Asia Afrika
Anggaran Dasar Perseroan tersebut dalam suatu akta tersendiri dihadapan notaris dan mengurus Lot 19 Kel. Gelora, Kec. Tanah Abang Jakarta
persetujuan serta pendaftaran kepada instansi yang berwenang, serta melakukan segala tindakan Pusat, 10270 ke Gedung Graha BIP, Jl. Gatot
yang diperlukan sehubungan dengan hal tersebut. Subroto Kav. 23, Jakarta Selatan, 12930.
1. Approved to change a domicile of the Company which was previously having domiciled in Central Fully realized by moving the Bank’s place of
Jakarta to South Jakarta. domicile from Panin Tower Lt. 15, Senayan City
2. Granted power to the Company’s Board of Directors with a substitution right to declare a change Jl. Asia Afrika Lot 19 Kel. Gelora, Kec. Tanah
in the Company’s Articles of Association in a separate deed made before a notary and to process Abang Jakarta Pusat, 10270 to Gedung Graha
approval as well as to register to the authorized institution, as well as to undertake any necessary BIP, Jl. Gatot Subroto Kav. 23, Jakarta Selatan,
actions required according to such matters. 12930.
Pengambilan Suara
Voting

7,346,277,776 0 221,934,815
Agenda
Penegasan kembali pengangkatan anggota Direksi Perseroan.
Reaffirmation of the Appointment of the Company’s Members of the Board of Directors.
Keputusan Realisasi
1. Menyetujui untuk menegaskan kembali pengangkatan Debora Wahjutirto Tanoyo sebagai Direktur Telah direalisasikan sepenuhnya.
Perseroan, pengangkatan tersebut yang berlaku efektif terhitung sejak diperoleh persetujuan dari Fully realized.
Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatuhan (fit and proper test),memenuhi
peraturan perundang-undangan yang berlaku, serta memberhentikan dengan hormat Debora
Wahjutirto Tanoyo sebagai Komisaris Perseroan apabila pengangkatan tersebut telah mendapat
persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatuhan (fit and proper
test). Dengan demikian, terhitung sejak ditutupnya rapat ini susunan anggota Direksi dan Dewan
Komisaris Perseroan adalah sebagai berikut.
Direksi
Dewan Komisaris
Komisaris : Debora Wahjutirto Tanoyo
Dan setelah diperoleh persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan
kepatuhan (fit and proper test) sampai dengan penutupan RUPS Tahunan Perseroan pada tahun 2019,
susunan anggota Direksi dan Dewan Komisaris Perseroan sebagai berikut.
Direksi
Direktur Utama : Ahmad Fajar*
Direktur : Lembing*
Direktur : Debora Wahjutirto Tanoyo*
* Berlaku efektif setelah mendapat persetujuan dari atas penilaian kemampuan dan kepatuhan
(fit and proper test).
Dewan Komisaris

Agenda
Penegasan kembali pengangkatan anggota Direksi Perseroan.
Reaffirmation of the Appointment of the Company’s Members of the Board of Directors.
Keputusan Realisasi
Rapat mengenai perubahan anggota Direksi dan Dewan Komisaris Perseroan dalam akta tersendiri
di hadapan notaris dan untuk memohon pemberitahuan kepada Menteri Hukum dan Hak Asasi
Manusia Republik Indonesia sehubungan dengan perubahan anggota Direksi dan Dewan Komisaris
Perseroan tersebut di atas, serta melakukan segala tindakan yang diperlukan dan disyaratkan oleh
peraturan perundang-undangan yang berlaku.
1. Approved to reaffirm the appointment of Debora Wahjutirto as the Company’s Director, in which
such appointment will be effective as of the approval obtained from the Financial Services Authority
on the assessment of fit-and-proper test and having met the applicable rules and regulations, as
well as to terminate with respect Debora Wahjutirto Tanoyo as the Company’s Commissioner if such
appointement has gained approval from the Financial Services Authority on the assessment of fit
and proper test. Therefore, as of the closing of this meeting, the composition of members of the
Company’s Board of Directors and the Board of Commissioners is as follows.
Board of Directors
Commissioner : Debora Wahjutirto Tanoyo
and upon gaining approval from the Financial Services Authority on the assessment of fit and proper until
the closing of the Company’s Annual General Meeting of Shareholders in which in 2019 the composition
of members of the Company’s the Board of Directors and the Board of Commissioners is the following.
Board of Directors
President Director : Ahmad Fajar*
Director : Lembing*
Director : Debora Wahjutirto Tanoyo*
* Will be effective upon gaining approval on the assessment of fit and proper test.
2. Granting power to the Company's Board of Directors with substitution right to state the Meeting
resolutions on changes in the composition of the Company's Board of Directors and Board of
Commissioners in a separate deed, made before a Notary, and to submit a notification to the
Ministry of Law and Human Rights of the Republic of Indonesia in connection with changes in the
composition of the Company's Board of Directors and Board of Commissioners mentioned above, as
well as to make all necessary actions that are required by the applicable laws and regulations.
Pengambilan Suara
Voting

7,346,277,776 0 221,934,815

Dewan Komisaris
// Board of Commissioners
Dewan Komisaris wajib melaksanakan pengawasan dan Board of Commissioners shall perform supervision and
memberikan saran terkait pelaksanaan tugas dan tanggung give advises in relation to implementation of duties and
jawab Direksi serta fungsi lain yang ditetapkan Anggaran Dasar responsibilities of the Board of Directors and other functions
maupun peraturan perundang-undangan. Dewan Komisaris juga as determined in Articles of Association, as well as determined
memastikan bahwa Bank melaksanakan prinsip-prinsip GCG di by laws and regulations. Board of Commissioners also ensure
setiap jenjang organisasi. Dalam memenuhi tugas dan tanggung that the Bank carries out GCG principles in each organization
jawabnya, Dewan Komisaris wajib bertindak secara independen. stages. In performing its duties and responsibilities, the Board
Commissioners shall act independently
Pedoman Dewan Komisaris Guidelines of Board of Commissioners

Dewan Komisaris melaksanakan tugas dan tanggung jawabnya The Board of Commissioners in performing its duties and
dengan berpedoman pada Board of Commissioners Charter (BOC responsibilities shall refer to Board of Commissioners Charter
Charter) yang telah dimutakhirkan melalui Surat Keputusan (BOC Charter) which has been ratified through Decision of
Dewan Komisaris No. 001/SK-KOM/04/19 tanggal 10 April 2019. Board of Commissioners No. 001/SK-KOM/04/19 dated 10 April
Uraian lengkap mengenai BOC Charter Bank dapat diakses pada 2019. Complete description regarding the Bank’s BOC Charter is
situs web Bank bagian Tata Kelola (https://www.victoriabank. accessible in the Bank’s web site on Governance section (https://
co.id/uploads/2019-09-10_001SKKOM0419_BOC%20Charter.pdf). www.victoriabank.co.id/uploads/2019-09-10_001SKKOM0419_
BOC%20Charter.pdf).
BOD Charter Bank Victoria disusun berdasarkan Undang-Undang Bank Victoria’s BOD Charter was prepared based on Law on
Perseroan Terbatas, Akta Pernyataan RUPS Luar Biasa No. 134 Limited Liability Company, Deed of Statement of Resolutions
Tahun 2015, Surat Edaran Bank Indonesia tentang Pelaksanaan of Extraordinary Meeting No. 134 of 2015, Circular of Bank
Good Corporate Governance bagi bank umum, Peraturan Otoritas Indonesia on Implementation of Good Corporate Governance for
Jasa Keuangan tentang Direksi dan Dewan Komisaris Emiten Commercial Banks, Financial Services Authority Regulation on
atau Perusahaan Publik, serta Peraturan Otoritas Jasa Keuangan Board of Directors and Board of Commissioners of Issuers or
tentang tata kelola bagi bank umum. Public Companies, Financial Services Authority Regulation on
Governance for Commercial Banks.
Tugas dan Tanggung Jawab Dewan Duties and Responsibilities of Board of

Komisaris Commissioners
Berdasarkan BOC Charter, tugas dan tanggung jawab, serta Based on BOC Charter, duties and responsibilities, and the
realisasinya diuraikan sebagai berikut. realization are described as follows.
Tugas dan Tanggung Jawab Realisasi 2019

Duties and Responsibilities 2019 Realization
Tugas dan tanggung jawab secara umum:
Duties and responsibilities in general:
Menetapkan tugas dan wewenang setiap anggota Direksi sebagaimana isi Dewan Komisaris telah menetapkan tugas dan wewenang untuk setiap
Anggaran Dasar. anggota Direksi yang diatur dalam Surat Keputusan Dewan Komisaris
To determine duties and authority of each member of Board of Directors as No. 001/SK-KOM/12/18 tanggal 3 Desember 2018 tentang Pembagian Tugas
stipulated in the Articles of Association. dan Wewenang Anggota Board of Directors PT Bank Victoria International Tbk.
The Board of Commissioners has established the duties and authority
of each member of the Board of Directors as outlined in the Board of
Commissioners’ Decision Letter No. 001/SK-KOM/12/18 dated 3 December
2018 on the Division of Duties and Authority of Members of Board of
Directors of PT Bank Victoria International Tbk.


Memberikan pengesahan tentang arah kebijakan, strategi usaha dari Dewan Komisaris telah mengesahkan Rencana Bisnis Bank Periode Tahun
Rencana Bisnis Bank baik rencana jangka pendek (program kerja tahunan), 2019-2021 yang memuat tentang:
jangka menengah, maupun jangka panjang yang wajib dilaporkan kepada a. Kebijakan dan strategi manajemen;
Otoritas Jasa Keuangan. b. Penerapan manajemen risiko dan kinerja Bank saat ini;
To approve the policy direction, business strategy of the Bank’s Business c. Proyeksi laporan keuangan (2019-2021) beserta asumsi yang digunakan;
Plan, either short-term (annual work plan), medium-term, and long-term d. Proyeksi rasio-rasio dan pos-pos tertentu lainnya;
plans, which must be reported to the Financial Services Authority. e. Rencana pendanaan;
f. Rencana penanaman dana;
g. Rencana penyertaan permodalan;
h. Rencana permodalan;
i. Rencana pengembangan organisasi dan sumber daya manusia;
j. Rencana penerbitan produk dan.atau pelaksanaan aktivitas baru;
k. Rencana pengembangan dan/atau perubahan jaringan kantor;
l. Informasi lainnya; dan
m. Rencana kegiatan sebagai bank umum devisa.
The Board of Commissioners has validated the Bank’s Business Plan for the
Period of 2019-2021 which contains:
a. Management policy and strategy;
b. The implementation of risk management and the Bank's current
performance;
c. Projection of financial statements (2019-2021) and the assumptions
used;
d. Projection of ratios and other certain items;
e. Funding plan;
f. Fund investment plan;
g. Capital investment plan;
h. Capital plan;
i. Plans for organizational and human resource development;
j. Plans for publishing products and/or implementing new activities;
k. Plans for developing and/or changing office network;
l. Other information; and
m. Planned activities as a foreign exchange commercial bank.
Melakukan pengawasan atas pelaksanaan maupun pencapaian Rencana Secara umum rencana bisnis tahun 2019 belum dapat memenuhi target
Bisnis. yang ditetapkan dikarenakan tekanan ekonomi makro yang berdampak
To supervise the implementation and achievement of the Business Plan. pada seluruh industri yang dalam hal ini mempengaruhi kemampuan bayar
debitur. Dalam hal pertumbuhan ekonomi, hal ini juga memberi dampak
pada lambatnya pertumbuhan akibat dari industri yang tidak melakukan
ekspansi, sehingga pertumbuhan bisnis tidak maksimal, namun demikian
Bank Victoria tetap berupaya untuk memenuhi target tersebut melalui
strategi bisnis yang terarah.
In general, the business plan for 2019 was not able to meet the target set
due to macroeconomic pressures that had an impact on all industries,
which in this case affected debtor's repayment ability. In terms of economic
growth, this matte also had an impact on the slow growth due to industries
that did not expand, therefore, business growth was not optimal, however,
Bank Victoria continued to strive to meet these targets through a directed
business strategy.
Memberikan keputusan tertulis disertai dengan alasan-alasan atas Pada tahun 2019, Dewan Komisaris telah memberikan keputusan tertulis
transaksi-transaksi yang diusulkan yang melampaui batas wewenang disertai dengan alasan-alasan atas transaksi-transaksi yang diusulkan yang
Direksi. melampaui batas wewenang Direksi.
To provide a written decision accompanied by reasons for the proposed In 2019, the Board of Commissioners provided a written decision
transactions that exceed the limits of the Board of Directors’ authority. accompanied by reasons for the proposed transactions that exceeded the
limits of the Board of Directors’ authority.
Menyetujui dan mengevaluasi kebijakan manajemen risiko serta Dewan komisaris telah menyetujui dan mengevaluasi kebijakan manajemen
mengevaluasi pertanggungjawaban pelaksanaan manajemen risiko. risiko, seperti Prosedur Penilaian Profil Risiko dan Prosedur Penilaian Profil
To approve and evaluate the risk management policy and evaluate the Risiko Terintegrasi.
accountability of risk management implementation. The Board of Commissioners has approved and evaluated the risk
management policies, such as Risk Profile Assessment Procedure and
Integrated Risk Profile Assessment Procedure.


Menyelenggarakan rapat internal Dewan Komisaris, sekurang-kurangnya Dewan Komisaris telah menyelenggarakan rapat internal sebanyak
4 (empat) kali dalam 1 (satu) tahun, sesuai dengan ketentuan Good Corporate 9 (sembilan) kali selama tahun 2019. Rapat ini membahas tentang:
Governance. a. Persetujuan penyelenggaraan RUPS Luar Biasa;
To conduct internal meetings of the Board of Commissioners, at least b. Persetujuan pelaksanaan Penawaran Umum Berkelanjutan II Tahap I
4 (four) times a year, in accordance with the provisions of Good Corporate Tahun 2019;
Governance. c. Perubahan persetujuan penunjukan anggota Dewan Komisaris yang mewakili
Dewan Komisaris dalam melakukan tindakan/perbuatan hukum tertentu;
d. Persetujuan penambahan modal melalui PMTHMETD;
e. Rekomendasi susunan Direksi dan susunan Dewan Komisaris kepada
Pemegang Saham Pengendali;
f. Penunjukan ketua RUPS Tahunan 2019;
g. Pembacaan Laporan Tugas Pengawasan Dewan Komisaris dalam RUPS
Tahunan 2019;
h. Kewajiban pembuatan Laporan Keuangan Berkelanjutan bagi Bank BUKU II;
i. Pelatihan risk register;
j. Kompetensi SDM Bank Victoria;
k. Keanggotaan Komite Audit dan Komite Pemantau Risiko;
l. Perubahan anggota Komite Audit dan Komite Pemantau Risiko;
m. Tindak lanjut SKAI atas Surat Otoritas Jasa Keuangan terkait Pemeriksaan
Menyeluruh terhadap Pemberian Kredit kepada Perusahaan Multifinance;
n. Parameter ukuran kinerja Dewan Komisaris;
o. Pembahasan Surat Otoritas Jasa Keuangan terkait Komitmen terhadap
Hasil Pemeriksaan Otoritas Jasa Keuangan;
p. Rekomendasi dan penunjukan akuntan publik dan/atau kantor akuntan
publik tahun 2019;
q. Penyampaian Rencana Aksi Keuangan Berkelanjutan 2020-2024;
r. Pengawasan transaksi keuangan mencurigakan;
s. Penyampaian Rencana Bisnis Bank 2020-2022;
t. Penyampaian Rencana Aksi Keuangan Berkelanjutan 2020-2024; dan
u. Pengawasan transaksi keuangan mencurigakan.
The Board of Commissioners held 9 (nine) internal meetings throughout
2019. These meetings discussed about:
a. Approval for convening Extraordinary GMS;
b. Approval for conducting Sustainable Public Offering II Phase I Year 2019;
c. Changes in the approval of appointment of members of Board of
Commissioners representing the Board of Commissioners in taking
certain legal actions/deed;
d. Approval for capital addition without Pre-emptive Rights (PMTHMETD);
e. Recommendation of composition of the Board of Directors and the Board
of Commissioners to the Controlling Shareholders;
f. Appointment of the 2019 Annual GMS Chair;
g. Reading of the Board of Commissioners’ Supervisory Report at the 2019
Annual GMS;
h. Obligation to prepare Sustainable Financial Statements for BUKU II Bank;
i. Risk register training;
j. Bank Victoria’s HR Competencies;
k. Composition of Audit Committee and Risk Monitoring Committee;
l. Changes in the composition of Audit Committee and Risk Monitoring
Committee;
m. SKAI follow-up on Financial Services Authority Letter related to
Comprehensive Audit of Credit Provision to Multifinance Companies;
n. Board of Commissioners performance measurement parameters;
o. Discussion of Financial Services Authority Letter related to Commitments
to Financial Services Authority Audit Results;
p. Recommendation and appointment of public accountant and/or public
accountant firm in 2019;
q. Submission of the 2020-2024 Sustainable Finance Action Plan;
r. Supervision of suspicious financial transactions;
s. Submission of the Bank’s Business Plan 2020-2022;
t. Submission of Sustainable Finance Action Plan 2020-2024; and
u. Supervision of suspicious financial transactions.


Menghadiri rapat gabungan dengan Direksi untuk membahas perkembangan Dewan Komisaris telah menghadiri rapat gabungan dengan Direksi sebanyak
dari laporan kinerja Direksi minimal 1 (satu) kali dalam 4 (empat) bulan. 13 kali pada tahun 2019 dengan membahas tentang:
To attend a joint meeting with the Board of Directors to discuss progress a. Kinerja keuangan;
of the Board of Directors performance report at least 1 (once) in 4 (four) b. Penerapan service dan budaya;
months. c. Pembahasan RBB 2020-2022;
d. Pembahasan Rencana Aksi Keuangan Berkelanjutan;
e. Penyelenggaraaan RUPS Tahunan dan RUPS Luar Biasa;
f. Aksi korporasi;
g. Revisi RBB;
h. Update exit meeeting Otoritas Jasa Keuangan;
i. Update aset yang diambil alih (AYDA) dan penjualan AYDA;
j. Update debitur bermasalah;
k. Update Corporate University; dan
l. Update aplikasi jasa keuangan berbasis teknologi digital bernama
OJK-Box (OBOX).
The Board of Commissioners attended 13 joint meetings with Board of
Directors in 2019, and discussed:
a. Financial performance;
b. Implementation of services and culture;
c. Discussion of 2020-2022 RBB;
d. Discussion of Sustainable Finance Action Plan;
e. Organizing Annual GMS and Extraordinary GMS;
f. Corporate action;
g. RBB Revision;
h. Update of exit meeting of Financial Services Authority;
i. Update of foreclosed assets (AYDA) and sales of AYDA;
j. Update of non-performing debtors;
k. Update of Corporate University; and
l. Update of digitech-based financial services application called OJK-Box
(OBOX).
Membuat laporan Dewan Komisaris kepada Otoritas Jasa Keuangan pada Dewan Komisaris telah membuat dan menyampaikan laporan kepada
setiap akhir semester perihal pengelolaan dan kinerja Bank, termasuk Otoritas Jasa Keuangan terkait target-target rencana bisnis tahunan yang
pencapaian target-target rencana bisnis tahunan yang wajib disampaikan disampaikan dalam batas waktu 2 (dua) bulan setelah bulan laporan.
dalam batas waktu 2 (dua) bulan setelah bulan laporan. The Board of Commissioners has prepared and submitted a report to the
To make a report of the Board of Commissioners to the Financial Services Financial Services Authority related to targets of the annual business plan
Authority at the end of each semester on the Bank’s management and within the time limit of 2 (two) months after the reporting month.
performance, including the achievement of the annual business plan targets
that must be submitted within 2 (two) months after the reporting month.
Menyampaikan laporan kepada Otoritas Jasa Keuangan paling lambat Pada tahun 2019, tidak terdapat pelanggaran peraturan perundang-
7 (tujuh) hari sejak ditemukan: undangan yang dilakukan oleh Bank.
1. Pelanggaran peraturan perundang-undangan di bidang keuangan dan In 2019, there were no violation in laws and regulations made by the Bank.
perbankan; dan/atau
2. Keadaan atau perkiraan keadaan yang dapat membahayakan
kelangsungan usaha Bank.
To submit report to the Financial Services Authority (FSA) no later than
7 (seven) business days after any of the following matter is found:
1. Violation of laws and regulations in finance and banking sectors; and/or
2. Condition or assumed condition that may endanger the Bank’s business
continuity.
Tugas dan kewajiban terkait evaluasi kinerja Dewan Komisaris dan Direksi:
Duties and obligations related to performance evaluation of Board of Commissioners and Board of Directors:
Menyusun Key Performance Indicators (KPI) Dewan Komisaris. Dewan Komisaris telah menyusun dan mengesahkan KPI dan
To develop Key Performance Indicators (KPI) of the Board of Commissioners. mengesahkannya pada 17 Januari 2020.
The Board of Commissioners has compiled and validated the KPI and
validated it on 17 January 2020.
Melakukan evaluasi kinerja Dewan Komisaris berdasarkan KPI Dewan Dewan Komisaris telah mengevaluasi kinerja Dewan Komisaris dengan
Komisaris dengan sistem self assessment atau sistem lain untuk kemudian sistem self assessment. Berdasarkan hasil self assessment pada tahun 2019,
diputuskan dalam rapat Dewan Komisaris. pelaksanaan tugas dan tanggung jawab Dewan Komisaris memperoleh nilai
To valuate the performance of the Board of Commissioners based on KPI of komposit “1 (satu)” dengan kategori “Sangat Baik”.
Board of Commissioners by self-assessment system or other system to be The Board of Commissioners has evaluated the Board of Commissioners’
determined in the Board of Commissioners’ meeting. performance by using self-assessment system. Based on the 2019 self-
assessment results, the implementation of duties and responsibilities of
the Board of Commissioners earned a composite score of “1 (one)” under the
category of “Very Good”.


Memberikan tanggapan dan rekomendasi mengenai penetapan KPI Direksi Dewan Komisaris telah memberikan tanggapan dan rekomendasi mengenai
pada setiap awal tahun kerja. penetapan KPI Direksi pada setiap awal tahun kerja yaitu:
To provide responses and recommendations on KPI establishment for Board 1. Terlaksananya kepemimpinan (leadership), kerja sama (team work),
of Directors at the beginning of each business year. komunikasi, dan kompetensi secara baik;
2. Terlaksananya pencapaian Rencana Bisnis Bank secara baik;
3. Terlaksananya proses GCG dalam setiap kegiatan usaha Bank secara
baik; dan
4. Terlaksananya tindaklanjut atas temuan Audit, rekomendasi Satuan
Kerja Audit Intern Bank (SKA), Auditor Eksternal, atau hasil pengawasan
The Board of Commissioners has given response and recommendation on
KPI establishment for Board of Directors at the beginning of each business
year, which are:
1. The implementation of good leadership. team work, communication, and
competences;
2. The achievement of the Bank’s Business Plans properly;
3. The implementation of GCG process properly in each of the Bank's
business activities; and
4. The implementation of follow-up on Audit findings, recommendation
of the Bank’s Internal Audit Work Unit (SKA), External Auditor, or the
Financial Services Authority supervision results.
Melakukan evaluasi atas kinerja Direksi berdasarkan KPI Direksi dan Dewan Komisaris telah mengevaluasi kinerja Direksi bahwa setiap anggota
memberikan tanggapan kepada Direksi, selanjutnya menyampaikan Direksi telah melaksanakan tugas dan tanggung jawabnya dengan baik dan
rekomendasi kepada RUPS. sesuai dengan BOD Charter dan peraturan perundang-undangan yang berlaku.
To evaluate the Board of Directors’ performance based on the Board of The Board of Commissioners has evaluated the Board of Directors’
Directors’ KPI and respond to the Board of Directors, then submit the performance and that each member of Board of Directors has carried out
recommendation to the GMS. the duties and responsibilities properly and in accordance with the BOD
Charter and applicable laws and regulations.
Dewan Komisaris juga melakukan pembagian tugas dan tanggung The Board of Commissioners also carries out division of duties
jawab masing-masing anggota sebagaimana diatur dalam Surat and responsibilities for each member as regulated in Board of
Keputusan Dewan Komisaris No. 02/SK-KOM/12/18 tanggal 3 Commissioners’ Decision Letter No. 02/SK-KOM/12/18 dated 3
Desember 2018 tentang Pembagian Tugas dan Wewenang Anggota December 2018 on the Division of Duties and Authority of Members
Board of Commissioners PT Bank Victoria International Tbk. of Board of Commissioners of PT Bank Victoria International Tbk.
Pembagian tugas dan tanggung jawab masing-masing Dewan The division of duties and responsibilities of each Commissioner
Komisaris dilakukan berdasarkan bidang-bidang tugas yang is made based on the areas of duties as explained below.
diuraikan sebagai berikut.
Nama Jabatan Bidang Tugas

Name Position Field of Duty
Oliver Simorangkir Komisaris Utama a. Treasury & International Banking;
President Commissioner b. Finance & Accounting;
c. Operations;
d. Loan Operations;
e. Corporate Legal; dan
f. Credit Legal.
a. Treasury & International Banking;
b. Finance & Accounting;
c. Operations;
d. Loan Operations;
e. Corporate Legal; and
f. Credit Legal.
Gunawan Tenggarahardja Komisaris/Komisaris Independen a. Perkreditan;

Commissioner/Independent b. Retail Banking, Branch Banking Network & Performance;
Commissioner c. SKAI/Integrated & Anti Fraud;
d. Information Technology (IT); dan
e. Human Capital Management & General Affair.
a. Credit;
b. Retail Banking, Branch Banking Network & Performance;
c. SKAI/Integrated & Anti Fraud;
d. Information Technology (IT); and
e. Human Capital Management & General Affair.


Zaenal Abidin, PhD Komisaris/Komisaris Independen a. Good Corporate Governance;
Commissioner/Independent b. Compliance, KYC/Integrated and System Procedure;
Commissioner c. Risk Management/Integrated ; dan
d. Tata Kelola Terintegrasi/Integrated Corporate Governance.
a. Good Corporate Governance;
b. Compliance, KYC/Integrated and System Procedure;
c. Risk Management/Integrated; and
d. Integrated Corporate Governance.
Hak dan Wewenang Dewan Komisaris Rights and Authorities of

Penetapan tugas dan tanggung jawab Dewan Komisaris disertai The determination of the Board of Commissioners’ duties and
dengan penetapan hak dan wewenang dalam rangka menjalankan responsibilities is accompanied by the determination of rights
tugas dan tanggung jawab tersebut. Hak Dewan Komisaris and authority in the framework of performing such duties and
diuraikan sebagai berikut. responsibilities. The Rights of the Board of Commissioners are
described as follows:
1. Anggota Dewan Komisaris, baik bersama-sama maupun 1. Members of the Board of Commissioners, either jointly or
sendiri-sendiri, setiap waktu dalam jam kerja Bank berhak individually, at any time during the Bank’s business hours have
memasuki pekarangan, gedung dan kantor atau tempat lain the right to enter the yard, building, and office or other place
yang dipergunakan atau yang dikuasai oleh Bank dan berhak used or controlled by the Bank and are entitled to examine all
memeriksa semua pembukuan, surat-surat, serta dokumen records, letters, and other documents, to inspect and verify
lainnya, memeriksa dan mencocokkan keadaan uang kas the state of cash for verification purpose and others, to check
untuk keperluan verifikasi dan lain-lain, memeriksa surat the securities and the Bank’s assets, as well as to know all
berharga dan memeriksa kekayaan Bank, serta mengetahui actions performed by the Board of Directors.
segala tindakan yang telah dijalankan oleh Direksi.
2. Memperoleh akses atas informasi Bank secara tepat waktu 2. To obtain access to the Bank’s information in a timely and
dan lengkap. complete manner.
3. Meminta penjelasan tentang segala hal yang dinyatakan atau 3. To ask for an explanation of all matters stated or requested from
yang diminta dari Direksi dan segenap anggota Direksi. the Board of Directors and all member of Board of Directors.
4. Membentuk Komite Audit, Komite Pemantau Risiko, Komite 4. To establish Audit Committee, Risk Monitoring Committee,
Nominasi dan Remunerasi, serta Komite lainnnya (jika Nomination and Remuneration Committee, and other
dianggap perlu) dengan memperhatikan kebutuhan dan Committees (if deemed necessary) by considering the Bank’s
kemampuan Bank. needs and capabilities.
5. Menghadiri rapat Direksi jika diundang Direksi dan 5. To attend Board of Directors’ meetings if invited by the Board
memberikan pandangan terhadap hal-hal yang dibicarakan. of Directors and provide views on matters discussed.
6. Mengangkat dan memberhentikan Sekretaris Dewan 6. To appoint and discharge the Secretary of the Board of
Komisaris (jika dianggap perlu), untuk memperlancar tugas Commissioners (if deemed necessary), to facilitate the duties
Dewan Komisaris. of the Board of Commissioners.
7. Setiap anggota Dewan Komisaris berhak untuk menerima 7. Each member of the Board of Commissioners is entitled to
honorarium dan tunjangan atau fasilitas yang jenis dan receive honorarium and allowances or similar facilities in
jumlahnya ditetapkan oleh RUPS dengan memperhatikan which the amount is specified by the GMS with due regard to
ketentuan peraturan perundang-undangan yang berlaku. the prevailing laws and regulations.
8. Mendapatkan sarana dan fasilitas Bank sesuai dengan keputusan 8. To receive the Bank’s facilities in accordance with GMS
RUPS yang penyediaannya disesuaikan dengan kondisi keuangan resolution in which the provision is adjusted to the Bank’s
Bank, asas kepatutan dan kewajaran, serta tidak bertentangan financial condition, the principles of decency and fairness,
dengan peraturan perundangundangan yang berlaku. and does not conflict with the applicable laws and regulations.
9. Jika anggota Dewan Komisaris diberhentikan sewaktu-waktu 9. If a member of Board of Commissioners is discharged at
oleh RUPS dengan menyebutkan alasannya, maka anggota any time by the GMS by stating the reasons, that member of
Dewan Komisaris diberi kesempatan untuk hadir dalam RUPS Board of Commissioners is given a chance to attend the GMS
guna membela diri. in order to defend him/herself.

Sedangkan, wewenang Dewan Komisaris diuraikan sebagai berikut: Meanwhile, the authority of the Board of Commissioners is
described as follows:
1. Dewan Komisaris dengan suara terbanyak, setiap waktu, berhak 1. The Board of Commissioners with the most votes, at all times,
memberhentikan untuk sementara waktu seorang atau lebih has the rights to temporarily suspend one or more members
anggota Direksi, jika bertindak bertentangan dengan Anggaran of the Board of Directors, if acting on the contrary to the
Dasar serta peraturan lainnya atau melalaikan kewajibannya atau Articles of Association and other regulations or neglecting the
terdapat alasan yang mendesak bagi Bank, termasuk dalam hal obligations or there is an urgent reason for the Bank, including
Direksi sakit dan tidak dapat menjalankan tugas. Dalam jangka in the case of the Board of Directors being sick and unable to
waktu paling lambat 30 hari setelah tanggal pemberhentian perform the duties. Within the period of no more than 30 days
sementara, harus diselenggarakan RUPS. after the temporary suspension date, GMS must be held.
2. Dalam hal jabatan salah seorang anggota Direksi kosong, baik 2. In the event that one position of Board of Directors is vacant,
mengundurkan diri maupun diberhentikan, dan penggantinya either due to resignation or discharge, and no successor has
belum ada memangku jabatannya, maka Dewan Komisaris assumed the office, the Board of Commissioners is authorized
berwenang menunjuk salah seorang anggota Direksi untuk to appoint a member of the Board of Directors to carry on the
menjalankan pekerjaan anggota Direksi lainnya yang kosong work of the vacant position of the Board of Directors with equal
tersebut dengan kekuasaaan dan wewenang yang sama, power and authority, and this Director may act for and on behalf
dan Direktur tersebut dapat bertindak untuk dan atas nama of the Board of Directors and appoint other party to represent
Direksi serta menunjuk pihak lain untuk mewakili Bank dalam the Bank in the event of a conflict of interest of the Bank with
hal terjadi benturan kepentingan Bank dengan kepentingan the interest of all members of the Board of Directors.
semua anggota Direksi.
3. Menetapkan komposisi Direksi berdasarkan kewenangan 3. Determining the composition of the Board of Directors based
yang dilimpahkan oleh RUPS. on the authority delegated by the GMS.
4. Mendapatkan informasi dari Direksi Entitas Anak terkait 4. Obtaining information from the Board of Directors of a
dengan kondisi Entitas Anak. Subsidiary related to the Subsidiary condition.
5. Dewan Komisaris berwenang menyetujui atau menolak secara 5. The Board of Commissioners is authorized to approve or reject
tertulis tindakan-tindakan yang dilakukan Direksi, diantaranya: in writing the actions of the Board of Directors, including:
a. Menerima pinjaman dari siapapun atau menjadi terhutang a. To receive loan from any party or become indebted to any
kepada siapapun, badan hukum atau Bank untuk jangka party, legal entity, or Bank for a period of 3 (three) years
waktu 3 (tiga) tahun atau lebih dan apabila jumlah or more and in the event that the loan amount for 1 (one)
pinjaman tersebut untuk 1 (satu) kali transaksi melebihi transaction exceeds an amount equal to 25.00% of the
suatu jumlah yang sama dengan 25,00% dari jumlah modal Bank’s total paid up capital and the latest reserves as
Bank yang telah disetor penuh dan cadangan-cadangan may be evident in the Bank’s latest financial statements
yang terakhir, sebagaimana sewaktu-waktu ternyata dari which have been reviewed, approved, and as declared by
laporan keuangan Bank yang telah diperiksa, disahkan a public accountant.
dan sebagaimana dinyatakan oleh akuntan publik.
b. Memberi pinjaman kepada siapapun juga untuk jangka b. To provide loan to any party for a period of 1 (one)
waktu 1 (satu) tahun atau lebih sesuai dengan peraturan year or more in accordance with the applicable laws
perundang-undangan yang berlaku, apabila jumlah and regulations, in the event that the loan amount for
pinjaman tersebut untuk 1 (satu) kali transaksi melebihi 5% 1 (one) transaction exceeds 5% of the Bank’s total paid up
dari jumlah modal Bank yang disetor penuh dan cadangan- capital and its latest reserves as may be evident in the
cadangan yang terakhir, sebagaimana ternyata dari Bank’s financial statements which have been reviewed,
laporan keuangan Bank yang telah diperiksa, disahkan dan approved, and as declared by the public accountant.
sebagaimana dinyatakan oleh akuntan publik.
c. Memberi jaminan hutang atau tanggungan untuk seseorang, c. To provide a loan guarantee or cover for a person,
badan hukum atau Bank, apabila jumlah yang dijamin itu legal entity, or Bank, if the event that the guaranteed
untuk setiap transaksi yang dijamin melebihi suatu jumlah amount for each guaranteed transaction exceeds the
yang sama dengan 5% dari jumlah modal Bank yang disetor equal amount of 5% of the Bank’s total paid up capital
penuh dan cadangan-cadangan yang terakhir, sebagaimana and the latest reserves as may be evident in the Bank’s
sewaktu-waktu ternyata dari laporan keuangan Bank yang latest financial statements which have been reviewed,
terakhir yang telah diperiksa, disahkan dan sebagaimana approved, and as declared by a public accountant.
dinyatakan oleh akuntan publik.
d. Memasang atau membebankan hak tanggungan, d. To encumber or charge mortgage, pledge, or otherwise
menggadaikan atau dengan cara lain mempertanggungkan insure the Bank’s asset or assets for each transaction
kekayaan atau kekayaan-kekayaan Bank untuk setiap which is an amount equal to or exceeding 5% of the
transaksi yang merupakan suatu jumlah yang sama dengan book value of the Bank’s total assets as may be evident
atau melebihi 5% dari nilai buku dari seluruh jumlah in the Bank’s latest financial statements which have
kekayaan Bank, sebagaimana sewaktu-waktu ternyata dari been reviewed, approved, and as declared by a public
laporan keuangan Bank yang terakhir yang telah diperiksa, accountant.
disahkan dan sebagaimana dinyatakan oleh akuntan publik.

e. Memperoleh, mengalihkan atau melepaskan dengan cara e. To obtain, transfer, or waive by any means the rights to
apapun hak-hak atas barang-barang tidak bergerak dan immovable and movable property of the Bank.
bergerak Bank.
Komposisi Dewan Komisaris Composition of The Board of Commissioners

Berdasarkan BOC Charter, jumlah anggota Dewan Komisaris In accordance with the BOC Charter, the number of Board of
paling sedikit beranggotakan 3 (tiga) orang, termasuk Komisaris Commissioner is at least 3 (three) people, including Independent
Independen, yang terdiri dari 1 (satu) orang Komisaris Utama Commissioner, consisting of 1 (one) President Commissioner
dan 2 (dua) orang atau lebih Komisaris. Seluruh anggota Dewan and 2 (two) or more Commissioners. All members of the Board
Komisaris tersebut harus memenuhi persyaratan Dewan of Commissioners must meet the requirements of the Board of
Komisaris sebagai berikut. Commissioners as below.
1. Persyaratan Formal 1. Formal Requirements
a. Cakap melakukan perbuatan hukum. a. Capable in performing legal actions.
b. Dalam 5 (lima) tahun sebelum pengangkatan dan selama b. Within 5 (five) years before appointment and during the
menjabat: term of office:
1) Tidak pernah dinyatakan pailit; 1) Never being declared bankrupt;
2) Tidak pernah menjadi anggota Dewan Komisaris 2) Never become a member of Board of Commissioners
yang dinyatakan bersalah menyebabkan suatu bank who is found guilty of causing a bank to be declared
dinyatakan pailit; bankrupt;
3) Tidak pernah dihukum karena melakukan tindak 3) Never been punished for committing a criminal act
pidana yang merugikan keuangan negara dan/atau that is detrimental to state finances and/or related to
yang berkaitan dengan sektor keuangan; the financial sector; and
4) Tidak pernah menjadi anggota Dewan Komisaris 4) Never been the member of Board of Commissioners
yang selama menjabat: who is during the term of office:
• Pernah tidak menyelenggarakan RUPS tahunan; • Has ever not convening an annual GMS;
• Pertanggungjawabannya sebagai anggota Dewan • Has ever had his/her accountability as the
Komisaris pernah tidak diterima oleh RUPS atau member of Board of Commissioners rejected by
pernah tidak memberikan pertanggungjawaban the GMS or has ever been absent in giving his/
sebagai anggota Dewan Komisaris kepada RUPS; her accountability as the member of Board of
dan Commissioners to the GMS; and
• Pernah menyebabkan Bank yang memperoleh • Has ever caused a Bank that obtains permit,
izin, persetujuan, atau pendaftaran dari Otoritas approval, or registration from the Financial
Jasa Keuangan tidak memenuhi kewajiban Services Authority not to fulfill its obligation
menyampaikan laporan tahunan dan/atau laporan to submit its annual report and/or financial
keuangan kepada Otoritas Jasa Keuangan. statements to the Financial Services Authority.
2. Persyaratan Material 2. Material Requirements
a. Mempunyai akhlak, moral, dan integritas yang baik; a. Have good character, morals, and integrity;
b. Memiliki komitmen untuk mematuhi peraturan b. Has a commitment to comply with the laws and
perundang-undangan; dan regulations; and
c. Memiliki pengetahuan dan/atau keahlian di bidang yang c. Has knowledge and/or expertise in the field required to
dibutuhkan untuk menjalankan tugasnya. perform the duties.
3. Persyaratan lainnya 3. Other requirements
Anggota Dewan Komisaris dilarang memangku jabatan The members of Board of Commissioners are not allowed
rangkap, apabila jabatan rangkap tersebut bertentangan to hold concurrent positions if they are contrary to the laws
dengan peraturan perundang-undangan dan/atau apabila and regulations and/or if they possibly lead to the conflict of
jabatan rangkap tersebut mungkin dapat menimbulkan interest.
benturan kepentingan.
Berdasarkan ketentuan dan persyaratan tersebut, Dewan Based on such provisions and requirements, the Board of
Komisaris Bank Victoria beranggotakan 3 (tiga) orang, yang terdiri Commissioners of Bank Victoria have 3 (three) members,
dari 1 (satu) orang Komisaris Utama, dan 2 (dua) orang Komisaris consisting of 1 (one) President Commissioner, and 2 (two)
Independen. Informasi terkait komposisi keanggotaan Dewan Independent Commissioners. Information on the composition of
Komisaris, periode dan dasar pengangkatannya diuraikan sebagai the Board of Commissioners, the period, and basis of appointment
berikut. is described as follows.

Nama Jabatan Dasar Pengangkatan dan Periode Menjabat

Name Position Basis of Appointment and Term of Office
Oliver Simorangkir Komisaris Utama Surat Keputusan RUPS Tahunan tanggal 26 Juni 2015 (2015-2016)
President Commissioner Annual GMS Resolution dated 26 June 2015 (2015-2016)
Surat Keputusan RUPS Tahunan tanggal 24 Juni 2016 (2016-2019)

Annual GMS Resolution dated 24 June 2016 (2016-2019)
Surat Keputusan RUPS Tahunan tanggal 10 Mei 2019 (2019-2022)

Annual GMS Resolution dated 10 May 2019 (2019-2022)
Gunawan Tenggarahardja Komisaris/Komisaris Independen Surat Keputusan RUPS Luar Biasa tanggal 24 Februari 2003 (2003-2007)
Commissioner/Independent Extraordinary GMS Resolution dated 24 February 2003 (2003-2007)
Commissioner
Surat Keputusan RUPS Luar Biasa tanggal 19 Desember 2007 (2007-2010)
Extraordinary GMS Resolution dated 19 December 2007 (2007-2010)




Zaenal Abidin, PhD Komisaris/Komisaris Independen Surat Keputusan RUPS Tahunan tanggal 29 Juni 2012 (2012-2013)
Commissioner/Independent Annual GMS Resolution dated 29 June 2012 (2012-2013)
Commissioner


Berdasarkan Peraturan Otoritas Jasa Keuangan No. 27/ Pursuant to Financial Services Authority Regulation No. 27/
POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan bagi POJK.03/2016 on Fit and Proper Test for Key Parties of Financial
Pihak Utama Lembaga Jasa Keuangan, anggota Dewan Komisaris Services Institution, members of Board of Commissioners in
yang menjabat wajib memperoleh persetujuan (melalui fit and position must obtain approval (through fit and proper test) from
proper test) dari Otoritas Jasa Keuangan sebelum menjalankan the Financial Services Authority before performing their actions,
tindakan, tugas, dan fungsinya sebagai Dewan Komisaris. Hal ini duties, and functions as the Board of Commissioners. This is to
guna mengindikasikan bahwa anggota Dewan Komisaris telah indicate that members of Board of Commissioners have adequate
memiliki integritas, kompetensi dan reputasi keuangan yang integrity, competences, and financial reputation. The information
memadai. Informasi terkait pelaksanaan fit and proper test Dewan on the implementation of fit and proper test for the Board of
Komisaris diuraikan sebagai berikut. Commissioners is described as follows.
Nama Jabatan Pelaksana Hasil Tanggal Efektif

Name Position Organizer Result Effective Date
Komisaris Utama Otoritas Jasa Keuangan Lulus
Oliver Simorangkir 15 September 2015
President Commissioner Financial Services Authority Pass
Komisaris/Komisaris • Sebagai Komisaris: 22 April 2003;
Independen Lulus • Sebagai Komisaris Independen: 13 September 2007.
Gunawan Tenggarahardja Bank Indonesia
Commissioner/Independent Pass • As Commissioner: 22 April 2003;
Commissioner • As Independent Commissioner: 13 September 2007.
Komisaris/Komisaris
Independen Lulus
Zaenal Abidin, PhD Bank Indonesia 27 September 2012
Commissioner/Independent Pass
Commissioner

Kebijakan Keberagaman Komposisi Diversity Policy of The Composition of

Keberagamaan komposisi Dewan Komisaris merupakan salah The diversity of Board of Commissioners composition is one of
satu upaya yang dilakukan Bank Victoria untuk menguatkan Bank Victoria’s efforts in strengthening the role, function and duty
peran, fungsi dan tugas Dewan Komisaris. Oleh karena itu, of the Board of Commissioners. As such, Bank Victoria developed a
Bank menyusun Kebijakan Keberagaman Komposisi Board Diversity Policy in the Composition of the Board of Commissioners
of Commissioners and Board of Directors PT Bank Victoria and Board of Directors of PT Bank Victoria International Tbk which
International Tbk yang telah disahkan melalui Surat Keputusan was validated by Decision Letter of the Board of Commissioners No.
Dewan Komisaris No. 001/SK-KOM/12/16 tanggal 14 Desember 001/SK-KOM/12/16 dated 14 December 2016. This Policy is prepared
2016. Penyusunan kebijakan tersebut mengacu pada Surat by referring to the Financial Services Authority Circular No. 32/
Edaran Otoritas Jasa Keuangan No. 32/SEOJK.04/2015 tentang SEOJK.04/2015 on Guidelines of Corporate Governance for Public
Pedoman Tata Kelola Perusahaan Terbuka. Berikut informasi Company. The followings are information related to diversity policy
terkait kebijakan keberagaman komposisi Dewan Komisaris Bank. of the composition of the Bank’s Board of Commissioners.
Jenis Keberagaman Uraian

Type of Diversity Description
Latar belakang Pendidikan Dewan Komisaris beragam, mulai dari lulusan S1 hingga
S3, dengan kompetensi di bidang Ekonomi, Manajemen, Akuntansi, dan Teknik Sipil.
Pendidikan
Education The educational backgrounds of the Board of Directors vary from undergraduate
to doctoral degrees, with competencies in Economics, Management,
Accounting, and Civil Engineering.
Dewan Komisaris telah memenuhi
Anggota Dewan Komisaris memiliki pengalaman kerja di bidang Perbankan, unsur keberagaman, yaitu perpaduan
Pengalaman Kerja Keuangan, Akuntansi, dan Manajemen. dari sisi pendidikan, pengalaman
Work Experience Member of Board of Commissioners has work experiences in Banking, Finance, kerja, usia, dan jenis kelamin.
Accounting and Management sectors. The Board of Commissioners has
fulfilled elements of diversity, namely
Rata-rata usia Dewan Komisaris berada pada usia yang memungkinkan
a combination of education, work
Usia seseorang untuk terus bekerja dan berkarya yaitu rentang usia 56-69 tahun.
experience, age, and gender
Age The average ages of the Board of Commissioners are allowing them to continue
working, between 56-69 years old.
Pada tahun 2019, anggota Dewan Komisaris Bank tidak ada yang berjenis
kelamin perempuan, namun tidak menutup kemungkinan ke depannya Bank
Jenis Kelamin akan menunjuk anggota Dewan Komisaris perempuan.
Gender In 2019, there wasn’t any female member in the Board of Commissioners,
however it doesn’t mean that the Bank will not appoint any female member for
the Board of Commissioners in the future.
Program Orientasi bagi Anggota Dewan Orientation Program for New Member of the
Komisaris Baru Board of Commissioners
1. Untuk anggota Dewan Komisaris yang baru diangkat, wajib 1. For newly appointed members of the Board of Commissioners,
diberikan Program Pengenalan mengenai kondisi Bank an introduction program must be provided regarding the
secara umum. Bank’s condition in general.
2. Penanggungjawab atas program pengenalan tersebut adalah 2. Person in charge of this introduction program is the
Sekretaris Perusahaan atau siapapun yang menjalankan Corporate Secretary, or anyone who performs such function
fungsi sebagai Sekretaris Perusahaan. as a Corporate Secretary.
3. Peningkatan kapabilitas dinilai agar Dewan Komisaris dapat 3. Competence development is deemed important so that the
selalu memperbaharui informasi tentang perkembangan Board of Commissioners can always update the information
terkini dari bisnis Bank dan peraturan perundang-undangan on the latest developments on the Bank’s business and the
yang berlaku dan sebagai bentuk antisipasi atas masalah applicable laws and regulations, and as a form of anticipation
yang timbul di kemudian hari bagi keberlangsungan dan of problems arising in the future that can affect the Bank’s
kemajuan Bank. sustainability and progress.

4. Program orientasi bagi Komisaris baru meliputi dan tidak 4. The orientation program for the new Commissioner includes
terbatas pada hal-hal berikut ini: and is not limited to the following matters:
a. Pemberian Informasi yang terdapat pada situs laman Bank; a. Provision of information contained in the Bank’s website;
b. Pengenalan tentang seluruh sistem dan prosedur yang b. Introduction on all system and procedures contained in
terdapat pada intranet Bank Victoria; the intranet of Bank Victoria;
c. Membawa keliling ke kantor cabang-kantor cabang c. To take them for a visit to branch offices, especially to
terutama kantor cabang besar; dan large branch offices; and
d. Menginformasikan hal-hal yang terdapat di dalam d. To inform them on all matters contained in the Financial
Laporan Tahunan. Statements.
Komisaris Independen Independent Commissioner

POJK.03/2016 tentang Penerapan Tata Kelola bagi Bank Umum, POJK.03/2016 on the Implementation of Governance for Commercial
serta peraturan turunannya, Bank wajib memiliki Komisaris Bank, and its derivative regulations, the Bank must have Independent
Independen paling sedikit 50% dari jumlah anggota Dewan Commissioner at least 50% of the number of members of the Board
Komisaris. Komisaris Independen yang dimaksud adalah anggota of Commissioners. Independent Commissioner is member of Board
Dewan Komisaris yang tidak memiliki hubungan keuangan, of Commissioners who does not have financial, management,
kepengurusan, kepemilikan, dan/atau hubungan keluarga share ownership, and/or family relationship with member of Board
dengan anggota Direksi, anggota Dewan Komisaris lain, dan/atau of Directors, other members of Board of Commissioners, and/or
Pemegang Saham Pengendali, atau hubungan dengan Bank yang Controlling Shareholders or relationship with the Bank that may
dapat memengaruhi kemampuan untuk bertindak independen. affect the ability to act independently.
Persyaratan Komisaris Independen Requirements of Independent Commissioner

Berdasarkan ketentuan Otoritas Jasa Keuangan tersebut, maka Based on the provisions of the Financial Services Authority, the Bank’s
Komisaris Independen Bank harus memenuhi persyaratan: Independent Commissioner must meet the following requirements:
1. Tidak memiliki hubungan keuangan dengan anggota Direksi, 1. Not having financial relationship with member of Board of
anggota Dewan Komisaris lain, dan/atau Pemegang Saham Directors, other members of Board of Commissioners, and/or
Pengendali, yakni tidak menerima penghasilan, bantuan Controlling Shareholders, which means not receiving income,
keuangan, atau pinjaman dari: financial aid, or loans from:
a. Anggota Direksi dan/atau anggota Dewan Komisaris a. Member of Board of Directors and/or members of Board
Bank; of Commissioners of the Bank;
b. Perusahaan yang Pemegang Saham Pengendalinya b. Company in which the Controlling Shareholders are
adalah anggota Direksi dan/atau anggota Dewan member of Board of Directors and/or members of Board
Komisaris Bank; dan/atau of Commissioners of the Bank; and/or
c. Pemegang Saham Pengendali Bank. c. The Bank’s Controlling Shareholders.
2. Tidak memiliki hubungan kepengurusan dengan anggota 2. Not having management relationship with member of Board of
Direksi, anggota Dewan Komisaris lain, dan/atau Pemegang Directors, other members of Board of Commissioners, and/or
Saham Pengendali, yakni tidak menduduki jabatan sebagai: Controlling Shareholders, which means not having positions as:
a. Anggota Direksi atau anggota Dewan Komisaris pada a. Member of Board of Directors or members of Board of
perusahaan yang anggota Dewan Komisarisnya menjadi Commissioners in company in which the members of Board
anggota Direksi dan/atau anggota Dewan Komisaris of Commissioners become member of Board of Directors
Bank; and/or members of Board of Commissioners of the Bank;
b. Anggota Direksi atau anggota Dewan Komisaris pada b. Member of Board of Directors or members of Board of
perusahaan yang Pemegang Saham Pengendalinya Commissioners in company in which the Controlling
adalah anggota Direksi dan/atau anggota Dewan Shareholders are member of Board of Directors and/or
Komisaris Bank; dan/atau members of Board of Commissioners of the Bank; and/or
c. Anggota Direksi, anggota Dewan Komisaris, atau Pejabat c. Member of Board of Directors, members of Board of
Eksekutif pada perusahaan Pemegang Saham Pengendali Commissioners, or Executive Officers of the Controlling
Bank. Shareholders’ Company of the Bank.
3. Tidak memiliki hubungan kepemilikan dengan anggota Direksi, 3. Not having ownership relationship with member of Board
anggota Dewan Komisaris lain, dan/atau Pemegang Saham of Directors, other members of Board of Commissioners,
Pengendali, yakni tidak menjadi Pemegang Saham pada: and/or Controlling Shareholders, which means not being
Shareholder of:

a. Perusahaan yang secara bersama-sama dimiliki oleh a. Company jointly owned by member of Board of Directors,
anggota Direksi, anggota Dewan Komisaris, dan/atau members of Board of Commissioners, and/or Controlling
Pemegang Saham Pengendali Bank sehingga bersama- Shareholders of the Bank, consequently, jointly become
sama menjadi Pemegang Saham Pengendali pada Controlling Shareholder of such company; and/or
perusahaan tersebut; dan/atau
b. Perusahaan Pemegang Saham Pengendali Bank. b. Company of the Bank’s Controlling Shareholders.
4. Tidak memiliki hubungan keluarga dengan anggota Direksi, 4. Not having family relationship with member of Board of Directors,
anggota Dewan Komisaris lain, dan/atau Pemegang Saham other members of Board of Commissioners, and/or Controlling
Pengendali, yakni tidak memiliki hubungan keluarga sampai Shareholders, which means not having family relationship up to the
dengan derajat kedua, baik hubungan vertikal maupun second degree, either vertical or horizontal relationships, including
hubungan horizontal, termasuk mertua, menantu, dan ipar. parents in-laws, son/ daughter in-laws, and brother/sister in-laws.
5. Tidak memiliki hubungan dengan bank yang dapat 5. Not having relationship with the bank that may affect
memengaruhi kemampuan untuk bertindak independen, the ability to act independently, which means not having
yakni tidak memiliki hubungan dalam bentuk: relationship in the forms of:
a. Kepemilikan saham Bank dengan jumlah kepemilikan a. Share ownership of the Bank with more than 5%
lebih dari 5% dari modal disetor Bank; dan/atau ownership of the paid-up capital of the Bank; and/or
b. Menerima atau memberi penghasilan, bantuan keuangan, b. Receiving or giving income, financial aid, or loans from
atau pinjaman dari atau kepada Bank yang menyebabkan or to the Bank that causes the party giving the income,
pihak yang memberi penghasilan, bantuan keuangan financial aid, or loans has a controlling influence to the
atau pinjaman memiliki kemampuan untuk memengaruhi party receiving the income, financial aid, or loans such
(controlling influence) pihak yang menerima penghasilan, as:
bantuan keuangan atau pinjaman, seperti:
1) Pihak terafiliasi; dan/atau 1) Affiliated parties; and/or
2) Transaksi keuangan dengan Bank yang dapat 2) Financial transactions with the Bank that may affect
memengaruhi kelangsungan usaha Bank dan/atau the bank’s business continuity and/or the party
pihak yang melakukan transaksi keuangan. making the financial transaction.
6. Mantan anggota Direksi Bank atau mantan Pejabat Eksekutif 6. Former member of the Board of Directors or former Executive
Bank atau pihak yang mempunyai hubungan dengan Bank, Officer of the Bank or any party affiliated with the Bank, which
yang dapat memengaruhi kemampuan untuk bertindak may affect the ability to act independently, may not become
independen, tidak dapat menjadi Komisaris Independen pada an Independent Commissioner at the Bank, before a cooling
Bank, sebelum menjalani masa tunggu (cooling off) paling off period of at least 1 (one) year. The stipulation of such
singkat 1 (satu) tahun. Ketentuan masa tunggu tersebut tidak waiting period does not apply to former member of Board of
berlaku bagi mantan anggota Direksi atau mantan Pejabat Directors or former Executive Officers who have the duty of
Eksekutif yang memiliki tugas hanya melakukan fungsi performing supervisory functions for at least 1 (one) year.
pengawasan paling sedikit 1 (satu) tahun.
Komisaris Independen yang telah menjabat selama 2 (dua) periode Independent Commissioner who has served for 2 (two)
masa jabatan berturut-turut dapat diangkat kembali pada periode consecutive term periods may be reappointed in the next period
selanjutnya sebagai Komisaris Independen, dalam hal: as Independent Commissioners, in the event of:
1. Rapat anggota Dewan Komisaris menilai bahwa Komisaris 1. Meetings of the Board of Commissioners assess that the
Independen tetap dapat bertindak independen; dan Independent Commissioner can still act independently; and
2. Komisaris Independen menyatakan dalam RUPS mengenai 2. The Independent Commissioner declares in the GMS
independensi yang bersangkutan. concerning the independence.
Pernyataan Independensi Masing-Masing Statement of Independency from each

Komisaris Independen Independent Commissioner
Bank Victoria telah memenuhi ketentuan Otoritas Jasa Keuangan Bank Victoria has complied with the provisions of the Financial
tentang Komisaris Independen. Bank telah mengangkat 2 (dua) Services Authority on Independent Commissioner. The Bank has
orang Komisaris Independen, yakni Gunawan Tenggarahardja dan appointed 2 (two) Independent Commissioners, namely Gunawan
Zaenal Abidin, PhD, yang telah mendapatkan persetujuan dari Tenggarahardja and Zaenal Abidin, PhD, who have obtained
Otoritas Jasa Keuangan. approval from the Financial Services Authority.

Pernyataan Independensi
Gunawan Tenggarahardja Zaenal Abidin, PhD
Statement of Independency
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab
untuk merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan Perseroan
dalam waktu 6 (enam) bulan terakhir, kecuali untuk pengangkatan kembali sebagai
Komisaris lndependen Perseroan pada periode berikutnya. √ √
Not being employed nor having the authority and responsibility to plan, lead, control,
or supervise the Company’s activities within the last 6 (six) months, except for
re-appointment as the Company’s Independent Commissioner in the next period.
Tidak mempunyai saham baik langsung maupun tidak langsung pada Perseroan. √ √
Not possessing any shares in the Company, either directly or indirectly.
Tidak mempunyai hubungan afiliasi dengan Perseroan, anggota Dewan Komisaris,

anggota Direksi atau Pemegang Saham Utama Perseroan.
√ √
Not having affiliation relationship with the Company, members of Board of
Commissioners, members of Board of Directors, or the Company’s Main Shareholders.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan
dengan kegiatan usaha Perseroan tersebut.
√ √
Not having business relationship, either directly or indirectly, that are related to the
Company’s business activities.
Pernyataan Independensi Komisaris Independen Statement of Independence of Independent

Commissioner
Sesuai dengan peraturan Otoritas Jasa Keuangan, pengangkatan In accordance with the Financial Services Authority regulations,
kembali Komisaris Independen Bank yang telah menjabat selama the reappointment of the Bank’s Independent Commissioner who
2 (dua) periode atau lebih wajib disertai dengan penyampaian has served for 2 (two) or more periods must be accompanied by
Pernyataan Independensi Komisaris Independen kepada Otoritas the submission of Independence Statement of the Independent
Jasa Keuangan. Penyampaian Pernyataan Independensi tersebut Commissioner to the Financial Services Authority. The submission
telah dilakukan oleh Komisaris Independen yang menjabat dengan of such Independence Statement has been done by the serving
salinan redaksional sebagai berikut. Independent Commissioner with the following editorial copy.
SURAT PERNYATAAN INDEPENDEN PT BANK VICTORIA INTERNATIONAL TBK

INDEPENDENCE STATEMENT LETTER PT BANK VICTORIA INTERNATIONAL TBK
Saya yang bertanda tangan di bawah ini / I, the undersigned below :

Nama / Name :
Tempat/tanggal lahir / Place/Date of Birth :
Alamat domisili (copy KTP/SIM terlampir)/ :
Domicile address (copy of National ID/Driving License attached)
Nomor telepon rumah / House phone number :
Jabatan / Position :
Nama perusahaan / Company name :
Nomor telepon perusahaan / Company phone number :
Dengan ini menyatakan bahwa saya / Herewith state that I :

1. Tidak memiliki hubungan keuangan, hubungan kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan
Komisaris lainnya, Direksi dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat memengaruhi kemampuan
saya untuk bertindak Independen sebagaimana diatur dalam ketentuan Pelaksanaan Good Corporate Governance bagi Bank Umum. /
Do not have financial relationship, management relationship, share ownership and/or family relationship with other members of Board
of Commissioners, Board of Directors, and/or Controlling Shareholders or relationship with the Bank, which may affect my ability to act
independently as stipulated in the provisions of Good Corporate Governance Implementation for Commercial banks.
2. Apabila di kemudian hari, saya ditemukan memiliki hubungan-hubungan sebagaimana dimaksud pada butir 1 (satu) di atas, maka
saya bersedia melepaskan jabatan Komisaris Independen saya dan bersedia untuk diganti. / In the event that in the future I
am found to have the relationships as referred to in item 1 (one) above, then I am willing to give up my position as Independent
Commissioner and am willing to be replaced.
(…………………………….)

Independensi dan Pengelolaan Benturan Independence and Management of Conflict

Kepentingan Dewan Komisaris of Interest of Board of Commissioners
Dewan Komisaris menjalankan tugas dan tanggung jawabnya The Board of Commissioners performs its duties and
secara profesional dan independen, tanpa intervensi dari organ responsibilities professionally and independently, without any
tata kelola Bank lainnya. Pelaksanaan tugas tersebut dilakukan intervention from other organs of the Bank’s governance. The
sesuai dengan strategi, target, visi dan misi Bank, serta untuk duty implementation is conducted in accordance with the Bank’s
kepentingan Bank. Terkait hal tersebut, Dewan Komisaris harus strategies, targets, vision and mission, and solely for the Bank’s
menghindari terjadinya benturan kepentingan dalam setiap interest. In regard to that, the Board of Directors must avoid
pengambilan keputusan. Dalam hal terjadi benturan kepentingan, conflict of interest in every decision-making process. In the event
anggota Dewan Komisaris dilarang mengambil tindakan yang dapat of a conflict of interest, members of Board of Commissioner are
merugikan Bank atau mengurangi keuntungan Bank, serta wajib prohibited from taking actions that may harm the Bank or reduce
mengungkapkan benturan kepentingan dalam setiap keputusan. the Bank’s profitability and must disclose the conflict of interest
in every decision.
Untuk meminimalisir terjadinya benturan kepentingan, To minimize the potential of conflict of interest, each member
maka setiap anggota Dewan Komisaris diwajibkan untuk of the Board of Commissioners is required to sign the Integrity
menandatangani Pakta Integritas yang berisikan komitmen Pact containing the commitment that in performing its duties,
bahwa dalam melaksanakan tugasnya, anggota Dewan Komisaris members of Board of Commissioners must not commit matters
tidak akan melakukan hal-hal yang dapat menimbulkan that may create any conflict of interest. The Integrity Pact
konflik kepentingan. Pakta Integritas tersebut disimpan dan must be kept and administered by the Secretary of the Board of
diadministrasikan oleh Sekretaris Dewan Komisaris. Commissioners.
Hubungan Afiliasi Dewan Komisaris Affiliation Relationship of

Dalam mengupayakan pengambilan keputusan yang profesional To achieve the decision-making process that is professional and
dan independen, serta meminimalisir terjadinya benturan independent, and to minimize the potential of conflict of interest,
kepentingan, Bank mengelola hubungan afiliasi antara anggota the Bank manages affiliation relationship between members
Dewan Komisaris, anggota Direksi, dan Pemegang Saham of Board of Commissioners, Board of Directors, and Controlling
Pengendali. Hal ini antara lain dilakukan dengan menjaga komposisi Shareholders. This is done, among others, by maintaining
Komisaris Independen dan Komisaris Non Independen. Hubungan the composition of Independent Commissioners and Non-
afiliasi anggota Dewan Komisaris ditunjukkan sebagai berikut. Independent Commissioners. The affiliation relationship of the
Board of Commissioners is shown as follows.
Hubungan Keuangan dengan Hubungan Keluarga dengan

Financial Relationship with Family Relationship with
Dewan Pemegang Pemegang

Komisaris Saham Dewan Saham
Direksi Direksi
Nama Jabatan Pengendali Komisaris Pengendali
Board of Board of Board of
Name Position Board of
Commissioner Directors Controlling Directors Controlling
Commissioner
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak

Yes No Yes No Yes No Yes No Yes No Yes No
Komisaris Utama
Oliver
Simorangkir President - - - - - - - - - - - -
Commissioner
Komisaris/
Komisaris
Gunawan Independen
Tenggarahardja
- - - - - - - - - - - -
Commissioner/
Independent
Commissioner



Komisaris Saham Dewan Saham
Direksi Direksi
Nama Jabatan Pengendali Komisaris Pengendali
Board of Board of Board of
Commissioner

Komisaris/
Komisaris
Independen
Zaenal Abidin, PhD - - - - - - - - - - - -
Commissioner/
Independent
Commissioner
Rangkap Jabatan Dewan Komisaris Concurrent Position Board of

Commissioners
Dewan Komisaris dapat melakukan rangkap jabatan sesuai The Board of Commissioners may have concurrent position in
dengan Peraturan Otoritas Jasa Keuangan No. 55/POJK.03/2016 accordance with Financial Services Authority Regulation No.
tentang Penerapan Tata Kelola bagi Bank Umum, serta peraturan 55/POJK.03/2016 on the Implementation of Governance for
turunannya, sepanjang yang bersangkutan tidak mengabaikan Commercial Bank and its derivative regulations, to the extent that
pelaksanaan tugas dan tanggung jawab sebagai anggota Dewan the relevant party does not neglect the execution of duties and
Komisaris Bank. Berdasarkan peraturan tersebut, ketentuan responsibilities as member of the Bank’s Board of Commissioners.
rangkap jabatan Dewan Komisaris diuraikan sebagai berikut: Based on the regulation, the provisions of concurrent positions
for Board of Commissioners are described as follows:
1. Anggota Dewan Komisaris dilarang melakukan rangkap 1. Members of Board of Commissioners are prohibited from
jabatan sebagai anggota Direksi, anggota Dewan Komisaris concurrent position as member of Board of Directors,
atau Pejabat Eksekutif: members of Board of Commissioners, or Executive Officers:
a. Pada lembaga keuangan atau perusahaan keuangan, baik a. In financial institutions or financial companies, either
bank maupun bukan bank; banks or non-banks;
b. Pada lebih dari 1 (satu) lembaga bukan keuangan atau b. In more than 1 (one) non-financial institution or non-
perusahaan bukan keuangan, baik yang berkedudukan di financial company, both domiciled within and outside the
dalam maupun di luar negeri. country.
2. Tidak termasuk rangkap jabatan sebagaimana dimaksud 2. Excluding concurrent position referred to in point 1 (one)
pada poin 1 (satu) diatas dalam hal: above in the event that:
a. Anggota Dewan Komisaris menjabat sebagai anggota a. Members of Board of Commissioners serve as member of
Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif Board of Directors, members of Board of Commissioners,
yang melaksanakan fungsi pengawasan pada 1 (satu) Anak or Executive Officers performing supervisory functions
Perusahaan bukan bank yang dikendalikan oleh Bank; on 1 (one) Non-bank Subsidiaries controlled by the Bank;
b. Komisaris Non Independen menjalankan tugas fungsional b. Non-Independent Commissioner performs the functional
dari Pemegang Saham Bank yang berbentuk badan duties of the Bank’s Shareholders in the form of a legal
hukum pada kelompok usaha Bank; dan/atau entity within the Bank’s business group; and/or
c. Anggota Dewan Komisaris menduduki jabatan pada c. Members of Board of Commissioners hold positions in
organisasi atau lembaga nirlaba. non-profit organizations or institutions.
Sesuai dengan ketentuan tersebut, beberapa anggota Dewan In accordance with these provisions, several members of the
Komisaris Bank Victoria melakukan rangkap jabatan sebagaimana Board of Commissioners of Bank Victoria hold concurrent
diuraikan berikut. positions as described below.

Rangkap Jabatan pada Perusahaan/Instansi Lain

Nama Jabatan Concurrent Position at Other Company/Institution
Name Position Jabatan Nama Perusahaan/Instansi
Position Name of Company/Institution
Komisaris Utama
Oliver Simorangkir - -
Komisaris/Komisaris
Independen Komisaris Independen
Gunawan Tenggarahardja PT Jakarta Setiabudi Internasional Tbk
Commissione /Independent Independent Commissioner
Commissioner
Dosen
Perbanas Institute
Lecturer
Komisaris/Komisaris
Independen Dosen Sekolah Tinggi Ilmu Ekonomi
Zaenal Abidin, PhD
Commissioner/Independent Lecturer Indonesia Banking School
Commissioner
Asesor Manajemen Risiko
Pasar Modal
Risk Management Assessor
Kepemilikan Saham Dewan Komisaris Share Ownership of Board of Commissioners

Berdasarkan Peraturan Otoritas Jasa Keuangan tentang Based on the Financial Services Authority Regulation on the
Penerapan Tata Kelola bagi Bank Umum, Dewan Komisaris wajib Implementation of Governance for Commercial Bank, the
mengungkapkan kepemilikan saham yang mencapai 5,00% Board of Commissioners must disclose any share ownership
atau lebih, baik pada Bank Victoria maupun pada bank dan reaching 5.00% or more, either in Bank Victoria or other banks
perusahaan lain, yang berkedudukan di dalam dan di luar negeri. or companies, domiciled inside and outside of the country.
Pengungkapan kepemilikan saham anggota Dewan Komisaris The disclosure of share ownership of members of Board of
pada Bank Victoria telah disampaikan dalam Profil Perusahaan Commissioners in Bank Victoria has been presented in the
dalam Laporan Tahunan ini. Sedangkan, pengungkapan Company Profile of this Annual Report. Meanwhile, the disclosure
kepemilikan saham anggota Dewan Komisaris pada bank atau of share ownership of members of Board of Commissioners in
perusahaan lain ditunjukkan sebagai berikut. other banks or companies is shown as follows.
Kepemilikan Saham (%)

Shares Ownership (%)
Nama Jabatan Lembaga Keuangan
Name Position Bank Lain Non Bank Perusahaan Lain
Bank Victoria
Other Banks Non-bank Financial Other Companies
Institution
Komisaris Utama
Oliver Simorangkir - - - -
Komisaris/Komisaris
Independen
Gunawan
Commissioner/ - - - -
Tenggarahardja
Independent
Commissioner
Komisaris/Komisaris
Independen
Zaenal Abidin, PhD Commissioner/ - - - -
Independent
Commissioner

Rapat Dewan Komisaris Meeting of Board of Commissioners

Kebijakan Rapat Dewan Komisaris Meeting Policy of Board of Commissioners
Sebagai bagian dari pelaksanaan tugas, Dewan Komisaris wajib As part of duty implementation, the Board of Commissioners
menyelenggarakan rapat secara berkala. Berdasarkan BOC must hold meetings periodically. Based on BOC Charter, the
Charter, Dewan Komisaris wajib menyelenggarakan rapat internal Board of Commissioners must hold internal meetings of Board of
Dewan Komisaris paling sedikit 1 (satu) kali dalam 2 (dua) bulan dan Commissioners at least once in 2 (two) months and may be held at
dapat diadakan setiap waktu apabila dianggap perlu oleh salah any time as deemed necessary by either member of the Board of
seorang anggota Dewan Komisaris atau permintaan tertulis dari Commissioners or at the request of 1 (one) or more Shareholders
1 (satu) atau lebih Pemegang Saham yang memiliki paling sedikit having at least 10.00% of the total shares with valid voting rights,
10,00% dari jumlah seluruh saham dengan hak suara sah yang which are issued by the Bank. This meeting must be attended by
dikeluarkan oleh Bank. Rapat tersebut wajib dihadiri oleh seluruh all members of Board of Commissioners in person at least 2 (two)
anggota Dewan Komisaris secara fisik paling sedikit 2 (dua) kali times in 1 (one) year. In case the Commissioner (non-independent)
dalam 1 (satu) tahun. Dalam hal Komisaris (non independen) tidak cannot attend the meeting of Board of Commissioners in
dapat menghadiri rapat Dewan Komisaris secara fisik, maka rapat person, the meeting can be attended by using teleconferencing
dapat dihadiri melalui sarana teknologi telekonferensi. technology.
Dewan Komisaris juga wajib menghadiri rapat gabungan dengan The Board of Commissioners must also attend joint meetings with
Direksi paling sedikit 1 (satu) dalam 2 (dua) bulan untuk membahas the Board of Directors at least once in 2 (two) months to discuss
perkembangan dari laporan kinerja Direksi. the progress of the Board of Directors’ performance report.
Frekuensi dan Kehadiran Rapat Dewan Komisaris Meeting Frequency and Attendance of
Pada tahun 2019, Dewan Komisaris telah melaksanakan rapat In 2019, the Board of Commissioners held 9 (nine) internal
internal sebanyak 9 (sembilan) kali dengan rata-rata tingkat meetings with the average attendance level of members of
kehadiran anggota Dewan Komisaris pada rapat internal adalah Board of Commissioners reaching 100% and 13 joint meetings
100,00% dan rapat gabungan dengan Direksi sebanyak 13 kali with Board of Directors with the average attendance level of
dengan rata-rata tingkat kehadiran anggota Dewan Komisaris members of Board of Commissioners reaching 97.44%. In
pada rapat gabungan adalah 97,44%. Selain itu, Dewan Komisaris addition, the Board of Commissioners also held 5 (five) joint
juga melaksanakan rapat gabungan dengan Direktorat dan/atau meetings with the Directorate and/or Division with an average
Divisi sebanyak 5 (lima) kali dengam rata-rata tingkat kehadiran attendance level of 93.33%. These internal and joint meetings
93,33%. Rapat internal dan rapat gabungan ini dihadiri secara were physically attended. Frequency of attendance of the Board
fisik. Frekuesi dan tingkat kehadiran Dewan Komisaris dalam of Commissioners in the meetings is described as follows:
rapat-rapat tersebut diuraikan sebagai berikut.
Rapat Internal Dewan Komisaris Rapat Gabungan dengan Direksi Rapat Gabungan dengan
Board of Commissioners Internal Board of Commissioners’ Meeting Direktorat dan/atau Divisi
Meeting with Board of Directors Joint Meetings with Directorate
Nama Jabatan and/or Division
Name Position Total Total Total
Total Rapat Total Rapat Total Rapat
Kehadiran Kehadiran Kehadiran
Number of % Number of % Number of %
Number of Number of Number of
Meetings Meetings Meetings
Attendance Attendance Attendance
Komisaris
Oliver Utama
9 9 100.00 13 13 100.00 5 5 100.00
Simorangkir President
Commissioner
Komisaris/
Komisaris
Gunawan Independen
9 9 100.00 13 12 92.31 5 5 100.00
Tenggarahardja Commissioner
/Independent
Commissioner
Komisaris/
Komisaris
Zaenal Abidin, Independen
9 9 100.00 13 13 100.00 5 4 80.00
PhD Commissioner
/Independent
Commissioner
Rata-Rata Kehadiran
100.00 97.44 93.33
Average Attendance

Rapat Internal Dewan Komisaris Internal Meeting of Board of Commissioners

Informasi terkait tanggal, agenda, dan peserta rapat internal Information regarding the agenda, dates, and participants of internal
Dewan Komisaris diuraikan sebagai berikut. meeting of Board of Commissioners is described as follows.
Tanggal Agenda Peserta Rapat Kehadiran Alasan Tidak Hadir

Date Agenda Participant Attendance Reason for Absence
16 Januari 2019 Persetujuan penyelenggaraan RUPS Luar Biasa. Oliver Simorangkir Hadir -
16 January 2019 Approval for convening Extraordinary GMS. Present
Gunawan Tenggarahardja Hadir -

Present
Zaenal Abidin, PhD Hadir -

Present
27 Februari 2019 a. Persetujuan pelaksanaan Penawaran Umum Oliver Simorangkir Hadir -

27 February 2019 Berkelanjutan II Tahap I Tahun 2019; Present
b. Perubahan persetujuan penunjukan anggota
Dewan Komisaris yang mewakili Dewan
Komisaris dalam melakukan tindakan/
perbuatan hukum tertentu; dan Gunawan Tenggarahardja Hadir -
c. Persetujuan penambahan modal melalui
Present
PMTHMETD.
a. Approval for conducting Sustainable Public
Offering II Phase I Year 2019;
b. Changes in the approval of appointment
of members of Board of Commissioners
Present
representing the Board of Commissioners in
taking certain legal actions/deed; and
c. Approval for capital addition without Pre-
emptive Rights (PMTHMETD).
12 April 2019 a. Rekomendasi susunan Direksi dan susunan Oliver Simorangkir Hadir -
Dewan Komisaris kepada Pemegang Saham Present
Pengendali;
b. Penunjukan ketua RUPS Tahunan 2019; dan
c. Pembacaan Laporan Tugas Pengawasan Dewan Gunawan Tenggarahardja Hadir -
Komisaris dalam RUPS Tahunan 2019. Present
a. Recommendation of composition of the Board
of Directors and the Board of Commissioners Zaenal Abidin, PhD Hadir -
to the Controlling Shareholders; Present
b. Appointment of the 2019 Annual GMS Chair;
and
c. Reading of the Board of Commissioners
Supervisory Report in the 2019 Annual GMS.
29 Mei 2019 a. Kewajiban pembuatan Laporan Keuangan Oliver Simorangkir Hadir -

29 May 2019 Berkelanjutan bagi Bank BUKU II; Present
b. Pelatihan risk register;
c. Kompetensi SDM Bank Victoria; dan
d. Keanggotaan Komite Audit dan Komite Gunawan Tenggarahardja Hadir -
Pemantau Risiko. Present
a. Obligation to prepare Sustainable Financial
Statements for BUKU II Bank; Zaenal Abidin, PhD Hadir -
b. Risk register training; Present
c. Bank Victoria’s HR Competencies; and
d. Composition of Audit Committee and Risk
Monitoring Committee.
31 Juli 2019 Perubahan anggota Komite Audit dan Komite Oliver Simorangkir Hadir -
31 July 2019 Pemantau Risiko. Present
Changes in the composition of Audit Committee
and Risk Monitoring Committee.
Present

Present


21 Agustus 2019 a. Tindak lanjut SKAI atas Surat Otoritas Jasa Oliver Simorangkir Hadir -
21 August 2019 Keuangan terkait Pemeriksaan Menyeluruh Present
terhadap Pemberian Kredit kepada
Perusahaan Multifinance; dan Gunawan Tenggarahardja Hadir -
b. Parameter ukuran kinerja Dewan Komisaris.
Present
a. SKAI follow-up on Financial Services Authority
Letter related to Comprehensive Audit of Zaenal Abidin, PhD Hadir -
Credit Provision to Multifinance Companies;
Present
and
b. Board of Commissioners’ performance
measurement parameters.
28 Agustus 2019 Pembahasan Surat Otoritas Jasa Keuangan Oliver Simorangkir Hadir -
28 August 2019 terkait Komitmen terhadap Hasil Pemeriksaan Present
Discussion of Financial Services Authority Letter
related to Commitments to Financial Services Present
Authority Audit Results. Zaenal Abidin, PhD Hadir -
Present
6 September 2019 a. Rekomendasi dan penunjukan akuntan publik Oliver Simorangkir Hadir -
dan/atau kantor akuntan publik tahun 2019; Present
b. Penyampaian Rencana Aksi Keuangan
Berkelanjutan 2020-2024; dan
c. Pengawasan transaksi keuangan mencurigakan. Gunawan Tenggarahardja Hadir -
a. Recommendation and appointment of public Present
accountant and/or public accountant firm in
2019;
b. Submission of Sustainable Finance Action
Plan 2020-2024; and
Present
c. Supervision of suspicious financial
transactions.
4 November 2019 a. Penyampaian Rencana Bisnis Bank 2020- Oliver Simorangkir Hadir -
2022; Present
b. Penyampaian Rencana Aksi Keuangan
Berkelanjutan 2020-2024; dan
c. Pengawasan transaksi keuangan mencurigakan. Gunawan Tenggarahardja Hadir -
Present
a. Submission of the Bank’s Business Plan 2020-
2022;
b. Submission of Sustainable Finance Action Zaenal Abidin, PhD Hadir -
Plan 2020-2024; and Present
c. Supervision of suspicious financial
transactions.
Rapat Gabungan Dewan Komisaris dengan Direksi Joint Meeting of Board of Commissioners and
Board of Directors
Informasi terkait tanggal, agenda, dan peserta rapat gabungan Throughout 2019, the agenda, dates, and participants of joint
Dewan Komisaris dengan Direksi selama tahun 2019 diuraikan meeting of Board of Commissioners and Board of Directors are

16 Januari 2019 a. Kinerja keuangan 14 Januari 2019 dibandingkan Oliver Simorangkir Hadir -
16 January 2019 dengan 31 Desember 2018; Present
b. Penerapan service dan budaya;
c. RBB 2019-2021; dan Gunawan Tenggarahardja Hadir -
d. RUPS Luar Biasa. Present
a. Financial performance of 14 January 2019 Zaenal Abidin, PhD Hadir -
compared to that of 31 December 2018;
Present
b. Implementation of services and culture;
c. RBB 2019-2021; and Ahmad Fajar Hadir -
d. Extraordinary GMS. Present
Rusli Hadir -
Present


Lembing Hadir -
Present
Debora Wahjutirto Tanoyo Hadir -

Present
Tamunan Hadir -
Present
Ramon Marlon Runtu* Tidak Hadir Izin

Absent On leave
20 Februari 2019 a. Kinerja keuangan 31 Januari 2019 dibandingkan Oliver Simorangkir Hadir -
20 February 2019 dengan 31 Desember 2018 dan target RBB 31 Present
Maret 2019; dan
b. Lain-lain. Gunawan Tenggarahardja Hadir -
a. Financial performance of 31 January 2019 Present
compared to that of 31 December 2018, and Zaenal Abidin, PhD Hadir -
RBB target 31 March 2019; and
Present
b. Others.
Ahmad Fajar Hadir -
Present
Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present
Ramon Marlon Runtu* Tidak Hadir Tidak lagi menjabat

Absent No longer in position
20 Maret 2019 a. Kinerja keuangan 28 Maret 2019 dibandingkan Oliver Simorangkir Hadir -
20 March 2019 dengan 31 Desember 2018 dan target RBB 31 Present
Maret 2019;
b. Penyelenggaraan RUPS Tahunan; Gunawan Tenggarahardja Hadir -
c. Aksi korporasi; dan Present
d. Lain-lain.
a. Financial performance of 28 March 2019
Present
compared to that of 31 December 2018, and
RBB target 31 March 2019; Ahmad Fajar Hadir -
b. Convening Annual GMS; Present
c. Corporate actions; and
d. Others. Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

3 Mei 2019 a. Kinerja keuangan 30 April 2019; dan Oliver Simorangkir Hadir -
3 May 2019 b. Lain-lain. Present
a. Financial performance of 30 April 2019; and
b. Others.
Present

Present
Ahmad Fajar Hadir -

Present
Rusli Hadir -
Present


Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

23 Mei 2019 a. Kinerja keuangan 31 Maret 2019 dibandingkan Oliver Simorangkir Hadir -
23 May 2019 dengan target 31 Desember 2019; Present
b. Revisi Rencana Bisnis Bank; dan
c. Lain-lain. Gunawan Tenggarahardja Hadir -
a. Financial performance of 31 March 2019 Present
compared to that of 31 December 2018; Zaenal Abidin, PhD Hadir -
b. Revising the Bank’s Business Plans; and
Present
c. Others.
Ahmad Fajar Hadir -
Present
Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

19 Juni 2019 a. Kinerja keuangan 30 Juni 2019; Oliver Simorangkir Hadir -

19 June 2019 b. Update exit meeting Otoritas Jasa Keuangan; Present
c. Update aset yang diambil alih (AYDA); dan
d. Revisi Rencana Bisnis Bank. Gunawan Tenggarahardja Tidak Hadir Izin
Absent On Leave
a. Financial performance of 30 June 2019;
b. Update of exit meeting of Financial Services Zaenal Abidin, PhD Hadir -
Authority;
Present
c. Update of foreclosed assets (AYDA); and
d. Revising the Bank's Business Plan. Ahmad Fajar Hadir -
Present
Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

17 Juli 2019 a. Kinerja keuangan 30 Juni 2019; Oliver Simorangkir Hadir -

17 July 2019 b. Update debitur bermasalah; dan Present
c. Lain-lain.
a. Financial performance of 30 June 2019;
b. Update of non-performing debtors; and Present
c. Others. Zaenal Abidin, PhD Hadir -
Present
Ahmad Fajar Hadir -

Present


Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

16 Agustus 2019 a. Kinerja keuangan 31 Juli 2019; Oliver Simorangkir Hadir -

16 August 2019 b. Update debitur bermasalah; dan Present
c. Lain-lain.
a. Financial performance of 31 July 2019;
b. Update of non-performing debtors; and Present
c. Others. Zaenal Abidin, PhD Hadir -
Present
Ahmad Fajar Hadir -

Present
Rusli Tidak Hadir Training

Absent Training
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

13 September 2019 a. Kinerja keuangan 31 Agustus 2019; Oliver Simorangkir Hadir -

b. Update kasus hukum; Present
c. Update aplikasi jasa keuangan berbasis
teknologi digital bernama OJK-Box (OBOX);
d. Update Corporate University; dan Gunawan Tenggarahardja Hadir -
e. Lain-lain. Present
a. Financial performance of 31 August 2019; Zaenal Abidin, PhD Hadir -
b. Update on legal case; Present
c. Update of digitech-based financial services
application called OJK-Box (OBOX); Ahmad Fajar Hadir -
d. Update of Corporate University; and Present
e. Others.
Rusli Hadir -
Present
Lembing Hadir -
Present
Debora Wahjutirto Tanoyo Tidak Hadir Izin

Absent On leave
Tamunan Tidak Hadir Izin

Absent On leave



18 Oktober 2019 a. Kinerja keuangan 30 September 2019; Oliver Simorangkir Hadir -
18 October 2019 b. Update penjualan AYDA; dan Present
c. Update debitur bermasalah.
a. Financial performance of 30 September 2019;
b. Update of AYDA sales; and Present
c. Update of non-performing debtors. Zaenal Abidin, PhD Hadir -
Present
Ahmad Fajar Hadir -

Present
Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

4 November 2019 a. Pembahasan Rencana Bisnis Bank; dan Oliver Simorangkir Hadir -
b. Pembahasan Rencana Aksi Keuangan Present
Berkelanjutan.
a. Discussing the Bank’s Business Plans; and
b. Discussing the Sustainable Finance Action Present
Plan. Zaenal Abidin, PhD Hadir -
Present
Ahmad Fajar Hadir -

Present
Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

25 November 2019 a. Pembahasan Rencana Bisnis Bank; dan Oliver Simorangkir Hadir -
b. Lain-lain. Present
a. Discussing the Bank’s Business Plans; and
b. Others.
Present

Present
Ahmad Fajar Hadir -

Present
Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present



13 Desember 2019 a. Proyeksi keuangan posisi 31 Desember 2019 Oliver Simorangkir Hadir -
13 December 2019 dibandingkan dengan Rencana Bisnis Bank Present
2020 posisi 31 Desember 2019; dan
b. Lain-lain. Gunawan Tenggarahardja Hadir -
a. Financial projection position of 31 December Present
2019 compared to the 2020 Bank's Business Zaenal Abidin, PhD Hadir -
Plan position of 31 December 2019; and
Present
b. Others.
Ahmad Fajar Hadir -
Present
Rusli Hadir -
Present
Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

* Efektif mengundurkan diri per tanggal 31 Januari 2019.

* Resigned effectively as of 31 January 2019.
Rapat Gabungan Dewan Komisaris dengan Joint Meeting Between Board of

Direktorat dan/atau Divisi Commissioners And Directorate and/or Division
Dewan Komisaris juga dapat menghadiri rapat dengan Direktorat The Board of Commissioners may also attend meetings with
dan/atau Divisi yang diadakan sesuai kebutuhan untuk mengetahui the Directorate and/or Division held as deemed necessary to
secara langsung perkembangan kinerja Bank. Informasi terkait understand directly the Bank’s performance development.
tanggal, agenda, dan peserta rapat gabungan Dewan Komisaris Information on the agenda, dates, and participants of joint
dengan Direktorat dan/atau Divisi diuraikan sebagai berikut. meeting between Board of Commissioners and Directorate and/
or Division is described as follows.

24 April 2019 Membahas isu-isu operasional antara Dewan Oliver Simorangkir Hadir -
Komisaris dengan Direktorat yang terdiri dari Divisi: Present
a. Operational;
b. Loan Admin;
c. Finance & Accounting;
d. HCM & GA; dan Gunawan Tenggarahardja Hadir -
e. Corporate & Credit Legal. Present
Discussing operational issues between the Board
of Commissioners and Directorates consisting of
Divisions of: Zaenal Abidin, PhD Hadir -
a. Operations; Present
b. Loan Admin;
d. HCM & GA; and
e. Corporate & Credit Legal.
3 Juli 2019 Membahas isu-isu operasional dan pelaporan Oliver Simorangkir Hadir -
3 July 2019 audit operasional antara Dewan Komisaris Present
dengan Direktorat yang terdiri dari Divisi:
a. Operational; dan
b. SKAI. Gunawan Tenggarahardja Hadir -
Present
Discussing operational issues and operational
audit reporting between the Board of
Commissioners and Directorates consisting of Zaenal Abidin, PhD Hadir -
Divisions of: Present
a. Operations; and
b. SKAI/Internal Audit Unit.


10 Juli 2019 Membahas isu-isu operasional antara Dewan Oliver Simorangkir Hadir -
10 July 2019 Komisaris dengan Direktorat yang terdiri dari Divisi: Present
a. Operational;
b. Loan Admin;
Divisions of:
a. Operations;
Present
b. Loan Admin;
d. HCM & GA; and
e. Corporate & Credit Legal
27 September 2019 Membahas isu-isu operasional antara Dewan Oliver Simorangkir Hadir -
Komisaris dengan Direktorat yang terdiri dari Divisi: Present
a. Operational;
b. Loan Admin;
Divisions of: Zaenal Abidin, PhD Tidak Hadir Sakit
a. Operations; Absent Sick
b. Loan Admin;
d. HCM & GA; and
4 Desember 2019 Membahas isu-isu operasional antara Dewan Oliver Simorangkir Hadir -
4 December 2019 Komisaris dengan Direktorat yang terdiri dari Divisi: Present
a. Operational;
b. Loan Admin;
e. Corporate & Credit Legal; Present
Divisions of: Zaenal Abidin, PhD Hadir -
a. Operations; Present
b. Loan Admin;
d. HCM & GA; and
Sertifikasi Manajemen Risiko Risk Management Certification of Board

Dewan Komisaris of Commissioners
Untuk mendukung terciptanya Bank yang sehat, manajemen To support the realization of a sound Bank, the Bank’s
Bank perlu meningkatkan kualitas kompetensi terkait manajemen management needs to improve their competence quality related
risiko. Berdasarkan Peraturan Bank Indonesia No. 11/19/PBI/2009 to the risk management. Based of Bank Indonesia Regulation
tentang Sertifikasi Manajemen Risiko bagi Pengurus dan No. 11/19/PBI/2009 on Risk Management Certification for
Pejabat Bank Umum, salah satu syarat umum dan standarisasi Managers and Officers of Commercial Banks, one of the general
kompetensi serta keahlian manajemen Bank adalah dimilikinya requirements and competence standardization and management
sertifikasi manajemen risiko. Terkait hal tersebut, maka Dewan skills of the Bank is having the risk management certification. In
Komisaris Bank telah mengikuti sertifikasi manajemen risiko dan regard to that, the Bank’s Board of Commissioners has taken the
refreshment yang ditunjukkan sebagai berikut. risk management certification and refreshment as shown below.

Nama Jabatan Waktu Masa Berlaku Penyelenggara

Level
Name Position Time Validity Period Organizer
Lembaga Sertifikasi Profesi
Komisaris Utama 26 April 2019 26 April 2021 Perbankan
Oliver Simorangkir 5
President Commissioner Banking Profession Certification
Institution
Komisaris/Komisaris
Independen
26 April 2019 26 April 2021 Perbankan
Gunawan Tenggarahardja Commissioner/ 5
Banking Profession Certification
Independent
Institution
Commissioner
Komisaris/Komisaris
Independen
15 September 2019 15 September 2021 Perbankan
Zaenal Abidin, PhD Commissioner/ 2
Banking Profession Certification
Independent
Institution
Commissioner
Penilaian Kinerja Dewan Komisaris Performance Assessment of

Sebagai bagian dari implementasi GCG, Dewan Komisaris wajib As part of GCG implementation, the Board of Commissioners
melaksanakan self assessment atas evaluasi kinerja Dewan must conduct a self assessment performance evaluation, peer
Komisaris, peer evaluation, atau dengan sistem lain untuk evaluation, or other system to be decided in the meeting of Board
kemudian diputuskan dalam rapat Dewan Komisaris. of Commissioners.
Prosedur, Pelaksana dan Kriteria Procedure, Implementation, and Criteria

Penilaian Kinerja Dewan Komisaris of Performance Assessment of Board of
Commissioners
Secara umum, pelaksanaan penilaian kinerja Dewan Komisaris In general, the implementation of performance assessment of the
menjadi tanggung jawab Komite Nominasi dan Remunerasi. Board of Commissioners is the responsibility of the Nomination
Seluruh hasil penilaian kinerja Dewan Komisaris akan and Remuneration Committee. All results of the Board of
disampaikan kepada Pemegang Saham melalui Komite Nominasi Commissioners’ performance assessment will be submitted to
dan Remunerasi sebelum RUPS Tahunan dilaksanakan. the Shareholders through the Nomination and Remuneration
Committee prior to the Annual GMS.
1. Self Assessment Dewan Komisaris 1. Self Assessment of the Board of Commissioners

Pelaksanaan self assessment Dewan Komisaris berdasarkan The implementation of self-assessment of the Board of
Peraturan Otoritas Jasa Keuangan tentang Penerapan Tata Commissioners is based on the Financial Services Authority
Kelola bagi Bank Umum. Berdasarkan peraturan tersebut, Regulation on the Implementation of Governance for
Bank wajib melaksanakan self assessment implementasi Commercial Bank. In accordance with the regulation, the
GCG dengan salah satu faktor penilaian adalah pelaksanaan Bank must conduct self-assessment of GCG implementation
tugas dan tanggung jawab Dewan Komisaris. Faktor penilaian with one of the assessment factors is the implementation of
terkait Dewan Komisaris tersebut mencakup 16 indikator duties and responsibilities of the Board of Commissioners.
governance structure, 17 indikator governance process, dan Assessment factors related to the Board of Commissioners
6 (enam) indikator governance outcome sebagaimana diatur include 16 governance structure indicators, 17 governance
dalam Lampiran III Surat Edaran Otoritas Jasa Keuangan No. process indicators, and 6 (six) governance outcome indicators
13 /SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Bank as stipulated in Appendix III of Circular Letter of Financial
Umum. Services Authority No. 13/SEOJK.03/2017 on Implementation
of Governance for Commercial Bank.
Pelaksanaan self assessment terkait Dewan Komisaris Implementation of self-assessment related to the Board
dikoordinir oleh Divisi Compliance, KYC/Integrated and of Commissioners is coordinated by the Compliance, KYC/
System Procedure dan dilaporkan kepada Dewan Komisaris Integrated and System Procedure Division and reported to
melalui Komite Nominasi dan Remunerasi. the Board of Commissioners through the Nomination and
Remuneration Committee.

2. Peer Evaluation Dewan Komisaris 2. Peer Evaluation of Board of Commissioners

Penilaian peer evaluation dilakukan oleh setiap anggota Assessment of peer evaluation is performed by each member
Dewan Komisaris terhadap anggota Dewan Komisaris lainnya. of the Board of Commissioners against other members of
Penilaian dilakukan berdasarkan bidang pengawasan dan the Board of Commissioners. The assessment is based on
pekerjaan masing-masing Dewan Komisaris. Kriteria penilaian the supervision and work of each Board of Commissioners.
dibuat secara umum dan diuraikan dengan penjelasan secara Assessment criteria are made in general and described with
kualitatif (penilaian tidak dalam angka/skala). qualitative explanations (assessment not in numbers/scales).
Penilaian kinerja dapat dilakukan berdasarkan kriteria umum, Performance assessment can be conducted based on general
antara lain: criteria, among others:
a. Kehadiran dalam rapat internal Dewan Komisaris; a. Attendance in internal meetings of the Board of
Commissioners;
b. Kehadiran dalam rapat Dewan Komisaris dengan Direksi; b. Attendance in meeting between Board of Commissioners
and Board of Directors;
c. Kehadiran dalam rapat Dewan Komisaris dengan c. Attendance in meeting between Board of Commissioners
Pemegang Saham; and Shareholders;
d. Kehadiran dalam rapat Dewan Komisaris atau Komite d. Attendance in meeting between Board of Commissioners
dengan Unit Kerja Bank. or Committee and the Bank’s Work Unit.
Kinerja Dewan Komisaris juga dapat dinilai menurut faktor Performance of Board of Commissioners can also be
lainnya, baik secara individual maupun kolektif, dengan assessed according to other factors, either individually or
kriteria berikut, namun tidak terbatas kepada: collectively, under the following criteria, but not limited to:
a. Integritas (misalnya benturan kepentingan yang muncul); a. Integrity (for example, arising conflict of interest);
b. Pengetahuan dan pemahaman Dewan Komisaris atas b. Knowledge and understanding of the Board of
nilai-nilai misi, Rencana Jangka Panjang Bank, dan Commissioners on the Bank’s values, mission, Long-Term
refleksi pemahaman ini kepada isu-isu penting sepanjang Plan, and reflections of this understanding on important
tahun; issues throughout the year;
c. Partisipasi Dewan Komisaris dalam rapat-rapat, temasuk c. Participation of Board of Commissioners in meetings
kemampuan untuk menyampaikan, memberikan including the ability to convey, provide arguments, and
argumentasi dan memberikan solusi mengenai isu-isu provide solutions on the Bank’ strategic issues;
strategis Bank;
d. Kemampuan Dewan Komisaris dalam mengikuti isu- d. The ability of the Board of Commissioners in following
isu dan tren yang berpengaruh terhadap Bank dan issues and trends affecting the Bank, and using that
menggunakan informasi tersebut untuk menilai dan information to assess and direct the Bank’s performance,
mengarahkan kinerja Bank, bukan hanya dari tahun ke not only from year to year, but also in the long term;
tahun, akan tetapi juga dalam jangka panjang;
e. Hubungan anggota Dewan Komisaris dengan sesama e. Relationship among the member of the Board of
anggota Dewan Komisaris lainnya, dengan Direksi, dan Commissioners, with the Board of Directors, and other
pihak-pihak lain yang diatur dalam Anggaran Dasar dan parties stipulated in the Articles of Association and laws
peraturan perundang-undangan. and regulations.
Hasil Penilaian Kinerja Dewan Komisaris Board of Commissioners Performance

Assessment Results
1. Self Assessment Dewan Komisaris 1. Self Assessment of the Board of Commissioners
Berdasarkan hasil self assessment pada tahun 2019, Based on the 2019 self-assessment results, the
pelaksanaan tugas dan tanggung jawab Dewan Komisaris implementation of duties and responsibilities of the Board of
memperoleh nilai komposit “1 (satu)” dengan kategori “Sangat Commissioners earned a composite score of “1 (one)” under
Baik”. the category of “Very Good”.
2. Peer Evaluation Dewan Komisaris 2. Peer Evaluation of Board of Commissioners

Berdasarkan hasil penilaian peer evaluation pada tahun Based on peer evaluation results in 2019, the implementation
2019, pelaksanaan tugas Dewan Komisaris memperoleh of Board of Commissioners’ duties earned a composite score
nilai komposit “1 (satu)” dengan kategori “Sangat Baik”. of “1 (one)” under the category of “Very Good”. This means
Artinya, masing-masing anggota Dewan Komisaris telah that each member of Board of Commissioners has very well-
melaksanakan tugas dan tanggung jawab sesuai bidang performed the duties and responsibilities according to each
pengawasan dengan sangat baik, sesuai dengan BOC Charter one’s supervision field, in line with the BOC Charter and the
dan peraturan perundang-undangan yang berlaku. applicable laws and regulations.

Penilaian Kinerja Komite Pendukung Performance Assessment of Committees

Dewan Komisaris Supporting Board of Commissioners
Serupa dengan penilaian kinerja Dewan Komisaris, kinerja Similar to the performance assessment of the Board of
Komite-Komite di bawah Dewan Komisaris juga dievaluasi, baik Commissioners, the performance of Committees under the
secara individual maupun secara kolektif, yang dilakukan setiap Board of Commissioners is also evaluated, either individually
1 (satu) tahun dengan menggunakan metode evaluasi dalam suatu or collectively, which is conducted every 1 (one) year using the
sistem yang ditetapkan dalam keputusan Dewan Komisaris. evaluation method in a system stipulated in the Decree of Board
of Commissioners.
Prosedur, Pelaksana dan Kriteria Penilaian Kinerja Procedure, Implementation, and Criteria of
Komite Pendukung Dewan Komisaris Performance Assessment of Committees
Supporting Board of Commissioners
1. Self Assessment Komite Pendukung Dewan Komisaris 1. Self Assessment of Committees Supporting Board of
Commissioners
Pelaksanaan self assessment Komite-Komite Dewan The implementation of self-assessment of Committees of
Komisaris dilakukan berdasarkan Peraturan Otoritas Jasa Board of Commissioners is based on the Financial Services
Keuangan tentang Penerapan Tata Kelola bagi Bank Umum. Authority Regulation on the Implementation of Governance
Faktor penilaian terkait Komite-Komite Dewan Komisaris for Commercial Bank. Assessment factors related to
dalam self assessment implementasi GCG mencakup 10 Committees of Board of Commissioners in self assessment
indikator governance structure, 7 (tujuh) indikator governance of GCG implementation include 10 governance structure
process, dan 2 (dua) indikator governance outcome indicators, 7 (seven) governance process indicators, and
sebagaimana diatur dalam Lampiran III Surat Edaran Otoritas 2 (two) governance outcome indicators as stipulated in
Jasa Keuangan No. 13/SEOJK.03/2017 tentang Penerapan Appendix III of Circular Letter of Financial Services Authority
Tata Kelola Bagi Bank Umum. No. 13/SEOJK.03/2017 on Implementation of Governance for
Commercial Bank.
Pelaksanaan self assessment terkait Komite-Komite Dewan Implementation of self-assessment related to Committees
Komisaris dikoordinir oleh Divisi Compliance, KYC/Integrated of Board of Commissioners is coordinated by Compliance
and System Procedure dan dilaporkan kepada Dewan Division, KYC/Integrated and System Procedure and reported
Komisaris. to the Board of Commissioners.
2. Penilaian Kinerja oleh Dewan Komisaris 2. Performance Assessment by the Board of Commissioners
Penilaian kinerja Komite-Komite Dewan Komisaris juga The performance appraisal of Committees Board
dilaksanakan oleh Dewan Komisaris. Penilaian dilakukan of Commissioner is also conducted by the Board of
berdasarkan bidang pengawasan masing-masing Komite. Commissioners. The assessment is based on the supervision
Kriteria penilaian dibuat secara umum dan diuraikan dengan duty of each Committee. Assessment criteria are made
penjelasan secara kualitatif (penilaian tidak dalam angka/skala). in general and described with qualitative explanations
(assessment not in numbers/scales).
Hasil Penilaian Kinerja Komite Performance Assessment Results of Committees

Pendukung Dewan Komisaris Supporting the Board of Commissioners
1. Self Assessment Komite Pendukung Dewan Komisaris 1. Self Assessment of Board of Commissioners’ Supporting
Committees
Berdasarkan hasil self assessment pelaksanaan tugas dan Based on self-assessment results on the implementation
tanggung jawab Komite-Komite Dewan Komisaris pada tahun of duties and responsibilities of Committees of the Board
2019, Komite Pendukung Dewan Komisaris memperoleh nilai of Commissioners in 2019, the Board of Commissioners
komposit “2 (dua)” dengan kategori “Baik”. Supporting Committees obtained a composite score of
“2 (two)” under the category of “Good”.
2. Penilaian Kinerja oleh Dewan Komisaris 2. Performance Assessment by the Board of Commissioners
Berikut hasil penilaian kinerja dan dasar penilaian Komite The followings are results of performance assessment and basis
pendukung Dewan Komisaris yang dilakukan oleh Dewan of the assessment for Board of Commissioners Supporting
Komisaris pada tahun 2019. Committee, made by the Board of Commissioners in 2019.

Komite Pendukung
Dewan Komisaris Dasar Penilaian Hasil Penilaian
Board of Commissioners Basis of Assessment Assessment Results
Supporting Committee
Komite Audit 1. Kehadiran dalam rapat Komite; Komite Audit telah melaksanakan tugas dan tanggung jawabnya dalam
Audit Committee 2. Penguasaan materi yang akan mengawasi hal-hal yang terkait dengan informasi keuangan, sistem
dibahas; pengendalian internal (Internal Control System), serta efektivitas
3. Kesediaan menyediakan waktu dan pemeriksaan oleh auditor internal dan eksternal. Dewan Komisaris
upaya dalam memenuhi tugas dan menilai kinerja Komite Audit pada tahun 2019 ini telah efektif dan
tanggung jawab sebagai anggota sesuai dengan Piagam Komite Audit.
Komite; The Audit Committee performed its duties and responsibilities
4. Kesediaan berpartisipasi dalam in supervising matters related to financial information, internal
kegiatan di luar kantor, seperti control system, and auditing effectiveness performed by internal and
kunjungan ke unit bisnis; external auditors. The Board of Commissioners considers that the
5. Kualitas dan saran yang diberikan Audit Committee’s performance in 2019 was already effective and in
dalam rapat-rapat; accordance with the Audit Committee Charter.
6. Terlaksananya pemantauan dan
Komite Tata Kelola Terintegrasi evaluasi, baik secara berkala maupun Komite Tata Kelola Terintegrasi menjalankan tugasnya sesuai dengan
tahunan, atas hal-hal yang menjadi Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014, yakni
Integrated Governance
bidang tugas dan tanggung jawab mengevaluasi pelaksanaan tata kelola terintegrasi pada Bank dan
Committee
masing-masing Komite; Entitas Anak. Pada tahun 2019, Dewan Komisaris menilai Komite
7. Pemantauan dan koreksi Pemantau Risiko telah menjalankan tugas dan tanggung jawabnya
penyimpangan; dengan baik, seperti mengevaluasi kondisi terkini konglomerasi
8. Terlaksananya pemantauan dan Keuangan Group Victoria dan penjelasan Satuan Kerja Manajemen
evaluasi terhadap divisi/unit yang Risiko Terintegrasi dan Satuan Kerja Audit Internal Terintegrasi periode
terkait dengan bidang tugas dan semester I 2019 dan semester II 2019.
tanggung jawab masing-masing
The Integrated Governance Committee performs its duties in
Komite.
accordance with Financial Services Authority Regulation No. 18/
1. Attendance in Committee’s POJK.03/2014, which is evaluating the implementation of integrated
meetings; governance in Banks and Subsidiaries. In 2019, the Board of
2. Mastering materials to be discussed; Commissioners considered that the Risk Monitoring Committee
3. Willingness to allocate time and performed its duties and responsibilities well, such as evaluating the
efforts in fulfilling duties and current condition of Victoria Group Financial Conglomeration and the
responsibilities as member of the explanation of Integrated Risk Management Work Unit and Integrated
Committees; Internal Audit Work Unit for the first second semester of 2019.
4. Willingness to participate in out-
of-office activities, such as visit to
business unit;
5. Quality advice given in the meetings;
6. Implementation of monitoring and
evaluation, whether periodically or
annually, of matters that become the
duties and responsibilities of each
Committee;
7. Monitoring and correction of
deviations;
evaluation to the division/unit related
to the duties and responsibilities of
each Committee.

Komite Pendukung
Dewan Komisaris Dasar Penilaian Hasil Penilaian
Board of Commissioners Basis of Assessment Assessment Results
Supporting Committee
Komite Pemantau Risiko Sepanjang tahun 2019, Dewan Komisaris menilai Komite Pemantau
Risk Monitoring Committee Risiko telah menjalankan tugas dan tanggung jawabnya dengan baik.
Dengan dasar penilaiannya bahwa Komite Pemantau Risiko telah
melaksanakan rapat sebanyak 5 (lima) kali dan menjalankan tugasnya
seperti:
a. Melakukan laporan kepatuhan semester II 2018 Bank Victoria dan
memberikan rekomendasi; dan
b. Membahas dan memberikan rekomendasi atas profil risiko 2019;
kebijakan baru Bank Indonesia dan Otoritas Jasa Keuangan; Anti
Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT);
serta laporan perkembangan proyek risk registered dan pelaksanaan
proyek risk registered agar dipercepat.
Throughout 2019, the Board of Commissioners evaluated that the
Risk Monitoring Committee performed its duties and responsibilities
properly. On the basis of its assessment that the Risk Monitoring
Committee has conducted meetings 5 (five) times and performed its
duties such as:
a. Preparing compliance report for semester II 2018 of Bank Victoria
and providing recommendations; and
b. Discussing and providing recommendations for the 2019 risk profile;
new policies of Bank Indonesia and Financial Services Authority;
Anti-Money Laundering (APU) and Prevention of Terrorism Funding
(PPT); and progress report of risk registered projects and the
implementation of risk registered projects is to be accelerated.
Komite Nominasi dan Sepanjang tahun 2019, Dewan Komisaris menilai Komite Remunerasi
Remunerasi dan Nominasi telah menjalankan tugas dan tanggung jawabnya
Nomination and Remuneration dengan baik. Dengan dasar penilaiannya bahwa Komite Remunerasi
Committee dan Nominasi telah melaksanakan rapat sebanyak 6 (enam) kali dan
menjalankan tugasnya antara lain:
1. Menyusun dan memberikan rekomendasi mengenai sistem serta
prosedur pemilihan dan/atau penggantian anggota Dewan Komisaris
dan Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS;
2. Memberikan rekomendasi mengenai calon anggota Dewan
Komisaris dan/atau Direksi kepada Dewan Komisaris untuk
disampaikan kepada RUPS;
3. Menyusun dan mengevaluasi remunerasi kepada anggota Dewan
Komisaris, Direksi, dan Pejabat Eksekutif sampai dengan satu
tingkat di bawah Direksi;
4. Memberikan rekomendasi kepada Dewan Komisaris mengenai kebijakan
remunerasi bagi Dewan Komisaris dan Direksi serta Pejabat Eksekutif;
5. Membantu Dewan Komisaris untuk memberikan rekomendasi
tentang jumlah anggota Dewan Komisaris dan Direksi; dan
6. Membantu Direksi dalam melakukan pengkajian ulang terhadap
sistem Human Capital Management dan kebijakan pengembangan
sumber daya manusia mulai dari rekrutmen, assessment,
peningkatan kompetensi, evaluasi, promosi, demosi, terminasi,
suksesi, seleksi, dan lain-lain.
Throughout 2019, the Board of Commissioners evaluated that the
Remuneration and Nomination Committee performed its duties and
responsibilities properly. On the basis of its assessment that the
Remuneration and Nomination Committee has held 6 (six) meetings
and performed its duties such as:
1. Preparing and providing recommendation on system and
procedure of selection and/or replacement of members of
Board of Commissioners and Board of Directors to the Board of
Commissioners to be delivered to the GMS;
2. Providing recommendation on candidate for the Board of
Commissioners and/or Board of Directors to the Board of
Commissioners to be delivered to the GMS;
3. Preparing and evaluating the remuneration for members of Board
of Commissioners, Board of Directors, and Executive Officers up to
one level below the Board of Directors;
4. Providing recommendation to the Board of Commissioners on the
remuneration policy for the Board of Commissioners, Board of
Directors, and Executive Officers;
5. Assisting the Board of Commissioners in giving recommendation on
the number of members of Board of Commissioners and Board of
Directors; and
6. Assisting the Board of Directors in reviewing the Human Capital
Management system and human capital development policy
starting from recruitment, assessment, competence development,
evaluation, promotion, demotion, termination, succession,
selection, and others.

Pengunduran Diri dan Pemberhentian Resignation and Discharge of Board of

Dewan Komisaris Commissioners
Ketentuan terkait pengunduran diri dan pemberhantian Dewan The regulation on the resignation and discharge of the Board of
Komisaris Bank Victoria telah diatur dalam BOC Charter. Commissioners of Bank Victoria has been set forth in the BOC
Berdasarkan pedoman Dewan Komisaris tersebut, seorang Charter. Based on the Charter of Board of Commissioners, a
anggota Dewan Komisaris berhak mengundurkan diri dari member of Board of Commissioners has the right to resign from
jabatannya dengan memberitahukan secara tertulis mengenai the position by giving written notification regarding the intention
maksudnya tersebut kepada Bank paling lambat 30 hari sebelum to the Bank at least 30 days before the resignation date. The
tanggal pengunduran dirinya. Anggota Dewan Komisaris resigning member of Board of Commissioners can still be held
yang mengundurkan diri tersebut tetap dapat dimintakan accountable since the related appointment to the resignation
pertanggungjawabannya sejak pengangkatan yang bersangkutan date in the next GMS to be held.
sampai dengan tanggal pengunduran dirinya tersebut dalam
RUPS yang akan dilaksanakan berikutnya.
Sedangkan, jabatan anggota Dewan Komisaris berakhir dengan Meanwhile, the position of member of the Board of Commissioners
sendirinya, jika anggota Dewan Komisaris tersebut: will end automatically if the member of Board of Commissioners:
1. Meninggal dunia; 1. Pass away;
2. Di bawah pengampuan berdasarkan suatu putusan pengadilan; 2. Under mercy of a court decision;
3. Tidak lagi memenuhi persyaratan perundang-undangan yang 3. No longer meeting the requirements based on the applicable
berlaku, dengan memperhatikan peraturan di bidang pasar regulations, by considering regulations in capital market
modal; dan sector; and
4. Berdasarkan keputusan RUPS. 4. Discharged based on GMS resolution.

Direksi
// Board of Directors
Direksi adalah organ Bank yang bertanggung jawab atas The Board of Directors is a Bank’s Organ responsible for the
pengurusan kelangsungan usaha Bank. Masing-masing anggota management of the Bank’s business continuity. Each member
Direksi melaksanakan tugas sesuai dengan pembagian tugas dan of Board of Directors performed his/her duties according to the
wewenangnya, dengan tujuan mencapai efektivitas pengelolaan duties and authorities designated, in order to achieve effective
dan pencapaian hasil yang maksimal. Direksi bertindak secara management and maximum outcome. The Board of Directors
cermat, berhati-hati dan dengan mempertimbangkan berbagai acts carefully and prudently by considering various important
aspek penting yang relevan dalam pelaksanaan tugasnya. Direksi aspects that are relevant to the performance of its duties.
Bank senantiasa menjunjung tinggi sikap profesional, obyektif, The Board of Directors of the Bank shall uphold professional,
berpikiran strategis, dan mengedepankan kepentingan Bank, objective behavior and strategical minded, and prioritize the
untuk meningkatkan nilai tambah bagi pemangku kepentingan Bank’s interest to enhance added value for stakeholders and to
dan memastikan keberlanjutan usaha. ensure the business sustainability.
Pedoman Direksi Guidelines of Board of Directors

Direksi melaksanakan tugas dan tanggung jawabnya dengan The Board of Directors in performing its duties and
berpedoman pada Board of Directors Charter (BOD Charter) responsibilities shall refer to PT Bank Victoria International
PT Bank Victoria International Tbk. BOD Charter Bank Victoria Tbk’s Board of Directors Charter (BOD Charter). Bank Victoria’s
telah dimutakhirkan melalui Surat Keputusan Direksi No. 002/ BOD Charter was ratified through Decision of Board of Directors
SK-DIR/05/19 tanggal 2 Mei 2019. Uraian lengkap mengenai No. 002/SK-DIR/05/19 dated 2 May 2019. Complete description
BOD Charter Bank dapat diakses pada website Bank bagian regarding the Bank’s BOD Charter is accessible in the Bank’s web
Tata Kelola (https://www.victoriabank.co.id/uploads/2019-09- site on Governance section (https://www.victoriabank.co.id/
10_002SKDIR0519%20BOD%20Charter.pdf). uploads/2019-09-10_002SKDIR0519%20BOD%20Charter.pdf).
BOD Charter Bank Victoria disusun berdasarkan Undang- Undang BOD Charter of Bank Victoria is prepared based on the Limited
Perseroan Terbatas, Surat Edaran Bank Indonesia tentang Liability Company Law, Circular of Bank Indonesia on the
Pelaksanaan Good Corporate Governance bagi bank umum, Implementation of Good Corporate Governance for Commercial
Peraturan Otoritas Jasa Keuangan tentang Direksi dan Dewan Banks, Financial Services Authority Regulation on the Board
Komisaris Emiten atau Perusahaan Publik, Peraturan Otoritas of Directors and Board of Commissioners of Issuers or Public
Jasa Keuangan tentang tata kelola bagi bank umum, serta Companies, Financial Services Authority Regulation on Governance
Anggaran Dasar Bank. for Commercial Banks, and the Bank’s Articles of Association.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of Board of

Directors
Berdasarkan BOD Charter, tugas dan tanggung jawab Direksi Based on BOD Charter, the duties and responsibilities of the
adalah: Board of Directors are:

Melaksanakan fungsi kepengurusan Bank secara efektif dan efisien, serta Direksi telah melaksanakan fungsi kepengurusan Bank selama tahun 2019
mewakili Bank, baik di dalam maupun di luar pengadilan. secara efektif dan efisien, serta mewakili Bank, baik di dalam maupun di luar
To fulfill the function of the Bank’s management in an effective and efficient pengadilan.
manner, and to represent the Bank both in and out of court. The Board of Directors performed the Bank’s management function
throughout 2019 in an effective and efficient manner, and represented the
Bank both in and out of court.


Melaksanakan prinsip-prinsip GCG dalam setiap kegiatan usaha Bank pada Direksi telah memastikan pelaksanaan tata kelola perusahaan yang efektif,
seluruh tingkatan dan jenjang organisasi dengan tetap memperhatikan baik secara individual maupun konsolidasian. Hal ini dibuktikan pada tahun
prinsip kehati-hatian dan kepatuhan terhadap ketentuan yang berlaku. 2019 Bank Victoria meraih peringkat komposit 2 (dua) “Baik” artinya Bank
To implement GCG principles in each of the Bank’s business activities at all telah melakukan penerapan tata kelola yang secara umum baik, tercermin
levels or ranks of the organization by observing the prudential principle and dari penerapan 11 aspek yang telah dituangkan dalam analisis.
complying with the applicable provisions. The Board of Directors has ensured the effective implementation of
corporate governance, either individually or consolidated. This was proven
in 2019 as Bank Victoria achieved a composite rating of 2 (two) "Good"
meaning that the Bank had generally implemented good governance,
reflected in the implemented of 11 aspects as outlined in the analysis.
Menyusun strategi usaha dan arah kebijakan sesuai dengan visi dan misi Direksi telah menyusun strategi usaha yang ditetapkan dalam Rencana
Bank yang telah ditetapkan dengan Rencana Bisnis Bank, serta bertanggung Bisnis Bank 2019-2021, antara lain:
jawab mengawasi dan melaksanakan dari waktu ke waktu dan menjamin 1. Rencana pendanaan;
partisipasi seluruh karyawan untuk ikut berperan sesuai dengan bidang dan 2. Rencana penanaman dana;
kompetensi masing-masing. 3. Rencana penyertaan modal;
To formulate business strategies and policy direction in line with the Bank’s 4. Rencana permodalan;
vision and mission that are stipulated in the Banks’ Business Plan, and 5. Rencana pengembangan organisasi dan sumber daya manusia;
be responsible for supervising and implementing from time to time and 6. Rencana penerbiatan produk dan/atau pelaksanaan aktivitas baru;
ensuring participation of all employees in taking part in accordance with 7. Rencana pengembangan dan/atau perubahan jaringan kantor; dan
their respective areas and competences; 8. Rencana kegiatan sebagai bank umum devisa.
The Board of Directors compiled business strategies as determined in the
Bank’s Business Plan 2019-2021, among others:
1. Funding plan;
2. Fund investment plan;
3. Capital investment plan;
4. Capital plan;
5. Plans for organizational and human resource development;
6. Plans for issuing products and/or implementing new activities;
7. Plans for developing and/or changing office network; and
8. Planned activities as a foreign exchange commercial bank.
Menyusun dan menetapkan struktur organisasi Bank beserta uraian tugas, Pada tahun 2019, Direksi telah menetapkan struktur organsasi yang
wewenang dan tanggung jawab, serta mengelola sumber daya Bank secara tercantum dalam Surat Keputusan Direksi No. 003/SK-DIR/11/19 tanggal 6
optimal. November 2019 tentang Struktur Organisasi PT Bank Victoria International
To prepare and establish the Bank’s organizational structure including Tbk yang dapat dilihat pada bab Profil Perusahaan bagian Struktur
the job description, authority, and responsibilities as well as to optimally Organisasi dalam Laporan Tahunan ini.
manage the Bank’s resources. In 2019, the Board of Directors established the organizational structure
as stated in the Board of Directors’ Decision Letter No. 003/SK-DIR/11/19
dated 6 November 2019 on the Organizational Structure of PT Bank Victoria
International Tbk. which can be seen in the Company Profile chapter of the
Organizational Structure section in this Annual Report.
Mengungkapkan kepada seluruh karyawan kebijakan Bank yang bersifat Direksi telah menyampaikan kebijakan strategis Bank di bidang kepegawaian
strategis di bidang kepegawaian, termasuk meningkatkan pengetahuan dan melalui Kode Etik Kepegawaian berdasarkan Surat Keputusan Direksi
penetapan remunerasi sesuai dengan kemampuan Bank dan lingkungan No. 012/SK-DIR/12/18 tanggal 27 Desember 2018. tentang Pedoman Kode
peer group, serta menciptakan jenjang karir yang baik dan terbuka dengan Etik Karyawan PT Bank Victoria International Tbk. Selain itu, pada tahun
menerapkan reward and punishment (promosi, demosi, mutasi, dan 2019, Direksi telah memberikan promosi kepada jabatan yang lebih tinggi
pemutusan hubungan kerja). sebanyak 32 karyawan dan mutasi pada jenjang yang selevel sebanyak 208.
To disclose to all employees on the Bank’s strategic policy in employment The Board of Directors has conveyed the Bank’s strategic policy in
sector, including to improve knowledge and determine remuneration personnel affairs through Employee’s Code of Ethics based on Board of
according to the Bank’s capability and peer group environment, and Directors’ Decision Letter No. 012/SK-DIR/02/18 dated 27 December 2018 on
establish a good and open career path by applying reward and punishment Guidelines of Employee’s Code of Conduct of PT Bank Victoria International
system (promotion, demotion, transfer, and termination of employment). Tbk. Furthermore, in 2019, the Board of Directors promoted 32 employees to
higher positions and transferred 208 employees at similar level.
Menerapkan tata tertib serta ketentuan tentang benturan kepentingan Bank Victoria telah memiliki kebijakan dan prosedur dalam penyelesaian
yang mengikat dan wajib ditaati, termasuk pengaturan tentang mekanisme benturan kepentingan. Kebijakan telah mengatur masing-masing elemen
pengambilan keputusan dan hak bagi anggota Direksi, jika diantara mereka yang mengatur proses, mekanisme, serta personil yang berhak bertindak
memiliki pendapat yang berbeda, termasuk hak untuk menyampaikan dalam pelaksanaanya.
pendapat kepada Dewan Komisaris dan Otoritas Pengawas Bank atas hal- Bank Victoria already has policies and procedures in settling conflict
hal yang dapat membahayakan Bank. of interest. The policies regulate each element governing the process,
To apply the code of conduct and provisions of conflicts of interest, which mechanism, and personnel eligible to act in the settlement process.
are binding and must be adhered to, including to arrange the mechanism of
decision making and the rights of members of the Board of Directors if they
have dissenting opinions, including the right of expressing opinions to the
Board of Commissioners and Bank’s Supervisory Authority on any matters
that can be detrimental to the Bank.


Memastikan kualitas serta akurasi laporan dan data keuangan yang disajikan Direksi telah mengevaluasi kualitas laporan dan data keuangan secara
untuk keperluan internal maupun eksternal, sesuai dengan Pernyataan berkala. Pada tahun 2019, Direksi menilai bahwa kualitas laporan serta
Standar Akuntansi Keuangan (PSAK), Pedoman Akuntansi Perbankan akurasi laporan dan data keuangan yang disajikan untuk keperluan internal
Indonesia (PAPI), International Accounting Standard (IAS), dan ketentuan maupun eksternal telah sesuai dengan Pernyataan Standar Akuntasi
lain yang berlaku dengan memberdayakan fungsi pengendalian internal Keuangan (PSAK). Pernyataan tersebut telah disampaikan melalui Surat
secara efektif, termasuk peran unit kerja SKAI/Terintegrasi dan AntiFraud, Pernyataan Manajemen atas Laporan Keuangan Konsolidasian PT Bank
Manajemen Risiko/Terintegrasi, dan Kepatuhan dan UKPN/Terintegrasi Victoria International Tbk dan Entitas Anak pada tanggal dan untuk tahun
sebagai quality assurance. yang berakhir pada 31 Desember 2019 yang dikeluarkan pada 27 April 2020.
To ensure the quality and accuracy of financial statements and data The Board of Directors has evaluated the quality of financial data and
presented for internal and external purposes in accordance with the statements periodically. In 2019, the Board of Directors considered that
Statement of Financial Accounting Standards (PSAK), Indonesian Banking the quality of reports and accuracy of reports and financial data presented
Accounting Guidelines (PAPI), International Accounting Standard (IAS), for internal and external purposes were already in accordance with the
and other applicable provisions by effectively empowering the internal Statement of Financial Accounting Standards (PSAK). The statement was
control function, including the role of SKAI/Integrated and Anti Fraud, Risk submitted through a Management Statement of the Consolidated Financial
Management/Integrated, and Compliance and UKPN/Integrated work units Statements of PT Bank Victoria International Tbk and Subsidiaries on the
as the quality assurance. date and for the year ended on 31 December 2019, which was issued on 27
April 2020.
Memastikan bahwa temuan audit dan rekomendasi dari SKAI/Terintegrasi Direksi telah memantau pelaksanaan tindak lanjut dan rekomendasi atas
dan Anti Fraud Bank, auditor eksternal, serta hasil pengawasan dan temuan audit dengan baik dengan membuat laporan semesteran.
pemeriksaan Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas The Board of Directors has monitored the implementation of follow-up and
lainnya ditindaklanjuti dengan baik. recommendations on audit findings properly by preparing semester reports.
To ensure that audit findings and recommendations made by the Bank’s
SKAI/Integrated and Anti-Fraud, external auditor, and the monitoring
and examination results by the Financial Services Authority and/or the
monitoring result of other authority are followed up properly.
Mengungkapkan kepemilikan saham pada Bank Victoria maupun kepemilikan Direksi telah mengungkapkan kepemilikan saham pada Bank Victoria, bank
saham pada bank atau perusahaan lainnya, baik yang berkedudukan di dalam atau perusahaan lain serta mengungkapkan keterkaitan hubungan keuangan,
negeri ataupun di luar negeri, serta mengungkapkan keterkaitan hubungan hubungan keluarga, dan keterkaitan lainnya dengan Pemegang Saham,
keuangan, hubungan keluarga, dan keterkaitan lainnya dengan Pemegang anggota Dewan Komisaris, dan anggota Direksi. Pada tahun 2019, seluruh
Saham, anggota Dewan Komisaris, dan anggota Direksi. Dewan Komisaris dan Direksi tidak memiliki saham pada Bank Victoria, bank
To disclose the share ownership to Bank Victoria and the share ownership atau perusahaan lain. Salah satu Direktur Bank Victoria, Debora Wahjutirto
in other banks or companies, both domiciled within and outside the country, Tanoyo, memiliki hubungan keluarga dengan Pemegang Saham.
and expose the connections of financial relationship, family relationship, and The Board of Directors has disclosed the share ownership in Bank Victoria,
other links with the Shareholders, members of the Board of Commissioners, other banks or companies and disclosed the financial, family, and other
and members of the Board of Directors. relationship with Shareholders, members of Board of Commissioners,
and members of Board of Directors. In 2019, all members of Board of
Commissioners and Board of Directors did not own any shares in Bank
Victoria, nor in other banks or companies. One of the Board of Directors of
Bank Victoria, Debora Wahjutirto Tanoyo, has a family relationship with the
Shareholders.
Ruang Lingkup Pekerjaan dan Tanggung Scope of Work and Responsibilities of

Jawab Masing-Masing Anggota Direksi Each Member of Board of Directors
Dalam melaksanakan tugasnya, Direksi membagi bidang tugas In carrying out its duties, the Board of Directors divides its duties
sebagaimana diatur dalam Surat Keputusan Dewan Komisaris No. as set out in the Board of Commissioners’ Decision Letter No.
001/SK-KOM/12/18 tanggal 3 Desember 2018 tentang Pembagian 001/SK-KOM/12/18 dated 3 December 2018 on the Division of
Tugas dan Wewenang Anggota Board of Directors PT Bank Victoria Duties and Authority of Members of Board of Directors of PT Bank
International Tbk dan Surat Keputusan Dewan Komisaris No. 001/ Victoria International Tbk and Board of Commissioners' Decision
SK-KOM/01/19 tentang Pelimpahan Tugas dan Tanggung Jawab Letter No. 001/SK-KOM/01/19 on Delegation of Duties and
Direktur PT Bank Victoria International Tbk. Responsibilities of Director of PT Bank Victoria International Tbk.

Ahmad Fajar Direktur Utama Koordinasi pengelolaan Bank Victoria yang membawahi Divisi:
President Director a. SKAI/ Terintegrasi and Anti Fraud;
b. Corporate Legal;
c. Branch Banking Network & Performance; dan
d. Treasury.
Coordination of Bank Victoria management which oversees the Division:
a. SKAI/Integrated and Anti Fraud;
b. Corporate Legal;
c. Branch Banking Network & Performance; and
d. Treasury.


Rusli Wakil Direktur Utama Wakil Direktur Utama yang membawahi Divisi:
Deputy President Director a. Senior Executive Vice President of Operation & IT;
b. Special Asset Management;
c. International Banking;
d. HCM & General Affair; dan
e. Credit Risk Review.
Deputy President Director in charge of Divisions of:
a. Senior Executive Vice President of Operation & IT;
b. Special Asset Management;
c. International Banking;
d. HCM & General Affair; and
e. Credit Risk Review.
Lembing Direktur Direktur Bisnis yang membawahi Divisi:

Director a. Senior Executive Vice President of Corporate Banking;
b. SME & Consumer Banking; dan
c. Multifinance & Commercial Banking.
Director of Business in charge of Divisions of:
a. Senior Executive Vice President of Corporate Banking;
b. SME & Consumer Banking; and
c. Multifinance & Commercial Banking.
Debora Wahjutirto Tanoyo Direktur Direktur Keuangan dan Loan Admin yang membawahi Divisi:
Director a. Senior Executive Vice President of Finance, Accounting &
Strategic Performance Management; dan
b. Loan & Trade Operation.
Director of Finance and Loan Admin in charge of Divisions of:
a. Senior Executive Vice President of Finance, Accounting, & Strategic
Performance Management; and
b. Loan & Trade Operation.
Tamunan Direktur Kepatuhan dan Direktur Kepatuhan dan Manajemen Risiko yang membawahi Divisi:
Manajemen Risiko a. Compliance, KYC/Integrated and System Procedure;
Director of Compliance b. Risk Management/Integrated; dan
and Risk Management c. Corporate Secretary.
Director of Compliance and Risk Management in charge of Divisions of:
a. Compliance, KYC/Integrated and System Procedure;
b. Risk Management/Integrated; and
c. Corporate Secretary.
Ramon Marlon Runtu* Direktur Direktur Kredit yang membawahi Divisi:

Director a. Special Asset Management;
b. Credit Review of Corporate, Multifinance & International Banking; dan
c. Credit Review of Commercial & SME.
Director of Credit in charge of Divisions of:
a. Special Asset Management;
b. Credit Review of Corporate, Multifinance & International Banking; and
c. Credit Review of Commercial & SME.
* Efektif mengundurkan diri per tanggal 31 Januari 2019. Tugas dan tanggung jawab Direktur Kredit dilimpahkan kepada Direktur lain.
* Resigned effectively as of 31 January 2019. The duties and responsibilities of the Director of Credit are delegated to other Director.
Hak dan Wewenang Direksi Rights and Authority of Board of Directors

Penetapan tugas dan tanggung jawab Direksi disertai dengan The determination of the Board of Directors’ duties and
penetapan hak dan wewenang dalam rangka menjalankan tugas dan responsibilities is accompanied by the determination of rights
tanggung jawab tersebut. Hak Direksi diuraikan sebagai berikut. and authority in the framework of performing such duties and
responsibilities. Board of Directors’ Rights are described as follows.
1. Menetapkan kebijakan dalam kepemimpinan dan 1. To establish policies in the leadership and stewardship
kepengurusan Bank. of the Bank.
2. Mengatur penyerahan kekuasaan Direksi untuk mewakili Bank di 2. To arrange the transfer of powers of the Board of Directors
dalam dan di luar pengadilan kepada seseorang atau beberapa to represent the Bank inside and outside the court to any
orang Direktur yang khusus ditunjuk untuk itu atau kepada Director or Directors who are specially designated to perform
seseorang atau beberapa orang karyawan Bank, baik sendiri- the task or to any Bank’s employee or employees either
sendiri maupun bersama-sama, atau kepada orang atau badan lain. individually or jointly, or to any other person or entity.

3. Mengatur ketentuan-ketentuan tentang kepegawaian Bank, 3. To manage provisions on the Bank’s employment affairs
termasuk penetapan gaji, pensiun, jaminan hari tua, dan including determining salary, retirement, pension plan, and
penghasilan bagi karyawan Bank berdasarkan ketentuan yang income for the Bank’s employees based on the applicable
berlaku. provisions.
4. Mengangkat dan memberhentikan karyawan Bank 4. To appoint and dismiss the Bank’s employees based on the
berdasarkan peraturan perundang-undangan yang berlaku applicable laws and regulations and the Bank’s employment
dan peraturan kepegawaian Bank. regulations.
5. Memberi reward and punishment karyawan Bank berdasarkan 5. To give a reward and punishment to the Bank’s employees
peraturan kepegawaian Bank. according to the Bank’s employment regulations.
6. Memastikan sumber daya manusia Bank memiliki kompetensi 6. To ensure the Bank’s human resources has reliable
dan kemampuan yang handal sesuai dengan bidang tugasnya. competences and capabilities in line with the areas of duties.
7. Melakukan aktivitas di luar Bank yang tidak secara langsung 7. To conduct activities outside the Bank that are not directly
berhubungan dengan kepentingan Bank, seperti kegiatan related to the Bank’s interest such as teaching activities,
mengajar, menjadi pengurus asosiasi bisnis dan sejenisnya becoming the administrator of business association and
diperkenankan sebatas menggunakan waktu yang wajar dan those of similar nature are permitted to the extent that it
sepengetahuan Direktur Utama atau Direktur lainnya. takes reasonable time and with acknowledgment of the
President Director or other Directors.
8. Memperoleh cuti sesuai ketentuan yang berlaku. 8. To be entitled for annual leave in accordance with the
applicable provisions.
9. Mempergunakan saran profesional. 9. To use professional advice.
10. Menerima insentif dan tantiem apabila Bank mencapai 10. To receive incentives and bonuses if the Bank reaches a profit
tingkat keuntungan sebagai imbalan atas prestasi kerjanya level in return for their performance of which the amount is
yang besarnya ditetapkan oleh RUPS. determined by the GMS.
11. Menerima gaji berikut tunjangan, sarana dan fasilitas Bank, 11. To receive salaries including benefits, the Bank’s facilities,
serta santunan purna jabatan sesuai dengan hasil penetapan and post-employment benefits in accordance with the
RUPS yang penyediaannya disesuaikan dengan kondisi results of GMS resolution in which the provision is adjusted to
keuangan Bank, asas kepatutan dan kewajaran, serta tidak the Bank’s financial condition, the principles of decency and
bertentangan dengan peraturan perundang-undangan fairness, and does not conflict with the applicable laws and
yang berlaku. Penjabaran tentang sarana dan fasilitas Bank regulations. The elaboration of the Bank’s facilities is further
dituangkan lebih lanjut dalam keputusan RUPS. set forth in the GMS resolutions.
12. Menetapkan dan menyesuaikan struktur organisasi Bank. 12. To establish and adjust the Bank’s organizational structure.
13. Anggota Direksi memiliki hak untuk membela diri, jika: 13. Members of the Board of Directors have the right to defend
themselves, if:
a. Anggota Direksi yang diberhentikan sewaktu-waktu oleh a. The member of Board of Directors who are dismissed
RUPS dengan menyebutkan alasannya, maka anggota at any time by the GMS by stating the reasons, then the
Direksi diberi kesempatan untuk hadir dalam RUPS guna member of Board of Directors are given a chance to
membela diri; dan attend the GMS in order to defend themselves; and
b. Anggota Direksi yang diberhentikan sewaktu-waktu oleh b. The member of Board of Directors who are dismissed at
Dewan Komisaris dengan menyebutkan alasannya, maka any time by the Board of Commissioners by stating the
anggota Direksi diberi kesempatan untuk hadir dalam reasons, then the member of Board of Directors are given
RUPS guna membela diri. a chance to attend the GMS in order to defend themselves.
Sedangkan, wewenang Direksi diuraikan sebagai berikut: Meanwhile, the Board of Directors’ authority is described as follows:
1. Mewakili Bank di dalam dan di luar pengadilan tentang segala 1. To represent the Bank in and out of court on all matters
hal dan dalam segala kejadian, mengikat Bank dengan pihak and in any events, to bind the Bank to other parties and
lain dan pihak lain dengan Bank, serta menjalankan segala other parties to the Bank, and to carry out all actions, both
tindakan, baik yang mengenai kepengurusan maupun on the management and ownership, with the limitations as
kepemilikan, dengan pembatasan yang ditetapkan dalam stipulated in the Bank’s Article of Association with due regard
Anggaran Dasar Bank dan dengan memperhatikan peraturan to the applicable laws and regulations.
perundang-undangan yang berlaku.
2. Untuk melakukan tindakan tertentu, Direksi terlebih dahulu 2. To perform certain actions, the Board of Directors must first
harus mendapat persetujuan tertulis dari Dewan Komisaris, obtain written approval from the Board of Commissioners,
kecuali ditentukan lain oleh peraturan dan ketentuan yang unless stipulated otherwise by the applicable rules and
berlaku. Beberapa hal yang membutuhkan persetujuan dari regulations, certain matters requiring approval from the
Dewan Komisaris adalah: Board of Commissioners are:
a. Menerima pinjaman dari siapapun atau menjadi terhutang a. To receive loan from any person or become indebted
kepada siapapun, badan hukum atau Bank untuk jangka to any person, legal entity, or Bank for a period of 3
waktu 3 (tiga) tahun atau lebih dan apabila jumlah pinjaman (three) years or more and if the loan amount for 1 (one)
tersebut untuk 1 (satu) kali transaksi melebihi suatu transaction exceeds an amount equal to 25% of the

jumlah yang sama dengan 25% dari jumlah modal Bank Bank’s total paid up capital and the latest reserves as may
yang telah disetor penuh dan cadangan-cadangan yang be evident at in the Bank’s latest financial statements
terakhir sebagaimana sewaktu-waktu ternyata dari laporan which have been reviewed, approved, and as declared by
keuangan Bank yang terakhir yang telah diperiksa, disahkan a public accountant.
b. Memberi pinjaman kepada siapapun juga untuk waktu b. To provide loan to any person for a period of 1 (one) year
1 (satu) tahun atau lebih sesuai dengan peraturan or more in accordance with the applicable laws and
perundang-undangan yang berlaku apabila jumlah regulations if the loan amount for 1 (one) transaction
pinjaman tersebut untuk 1 (satu) kali transaksi melebihi 5% exceeds 5% of the Bank’s total paid up capital and its
dari jumlah modal Bank yang disetor penuh dan cadangan- latest reserves as may be evident in the Bank’s financial
cadangan yang terakhir sebagaimana ternyata dari statements which have been reviewed, approved, and as
laporan keuangan Bank yang telah diperiksa, disahkan dan declared by the public accountant.
sebagaimana dinyatakan oleh akuntan publik.
c. Memberi jaminan hutang atau tanggungan untuk c. To provide a loan guarantee or cover for a person, legal
seseorang, badan hukum atau Bank, apabila jumlah yang entity, or Bank, if the guaranteed amount for each
dijamin itu untuk setiap transaksi yang dijamin melebih transaction exceeds the equal amount of 5% of the
suatu jumlah yang sama dengan 5% dari jumlah modal Bank Bank’s total paid up capital and the latest reserves as
yang telah disetor penuh dan cadangan-cadangan yang may be evident in the Bank’s latest financial statements
terakhir sebagaimana sewaktu-waktu ternyata dari laporan which have been reviewed, approved, and as declared by
keuangan Bank yang terakhir yang telah diperiksa, disahkan a public accountant.
d. Memasang atau membebankan hak tanggungan, d. To encumber or charge mortgage, pledge, or otherwise
menggadaikan atau dengan cara lain mempertanggungkan insure the Bank’s asset or assets for each transaction
kekayaan atau kekayaan-kekayaan Bank untuk setiap which is an amount equal to or exceeding 5% of the
transaksi yang merupakan suatu jumlah yang sama dengan book value of the Bank’s total assets as may be evident
atau melebihi 5% dari nilai buku dari seluruh jumlah in the Bank’s latest financial statements which have
kekayaan Bank sebagaimana sewaktu ternyata dari laporan been reviewed, approved, and as declared by a public
keuangan Bank yang terakhir yang telah diperiksa, disahkan accountant.
e. Memperoleh, mengalihkan atau melepaskan dengan cara e. To obtain, transfer, or waive by any means the rights to
apapun hak-hak atas barang-barang tidak bergerak dan immovable property and Bank.
Bank.
Namun demikian, Direksi wajib meminta persetujuan RUPS untuk: However, the Board of Directors must obtain approval from the
GMS related to:
1. Perbuatan hukum untuk mengalihkan, melepaskan hak atau 1. The legal acts to transfer or waive the rights or make the debt
menjadikan jaminan utang seluruh atau sebagian besar harta guarantee of all or any part of the Bank’s total assets in the
kekayaan Bank dalam tahun buku dalam 1 (satu)atau beberapa fiscal year either in 1 (one) or several transactions that stand
transaksi yang berdiri sendiri ataupun yang berkaitan satu alone or are related to each other; and
sama lain; dan
2. Untuk melakukan perbuatan hukum di mana terdapat 2. To carry out legal actions if there is conflict of interest
benturan kepentingan antara kepentingan ekonomis pribadi between the personal economic interest of the member of
anggota Direksi, Dewan Komisaris, atau Pemegang Saham Board of Directors, Board of Commissioners, or Shareholders,
dengan kepentingan ekonomis Bank. and the Bank’s economic interest.

Berdasarkan BOD Charter, jumlah anggota Direksi paling sedikit In accordance with the BOD Charter, the number of Board of
beranggotakan 3 (tiga) orang, yang terdiri dari 1 (satu) orang Directors is at least 3 people, consisting of 1 (one) President
Direktur Utama dan 2 (dua) orang atau lebih Direktur. Apabila Director and 2 (two) Directors or more. If deemed necessary, one
dianggap perlu, dapat diangkat seorang atau lebih Wakil Direktur Deputy President Director or more may be appointed. All member
Utama. Seluruh anggota Direksi tersebut harus memenuhi of Board of Directors must meet the requirements of the Board of
persyaratan Direksi yang diuraikan sebagai berikut. Directors described as followed.
1. Persyaratan Formal 1. Formal Requirements
a. Cakap melakukan perbuatan hukum. a. Capable in performing legal actions.
b. Dalam 5 (lima) tahun sebelum pengangkatan dan selama b. Within 5 (five) years before appointment and during the
menjabat: term of office:
1) Tidak pernah dinyatakan pailit; 1) Never being declared bankrupt;

2) Tidak pernah menjadi anggota Direksi yang 2) Never become a member of Board of Directors who
dinyatakan bersalah menyebabkan suatu bank is found guilty of causing a bank to be declared
dinyatakan pailit; bankrupt;
3) Tidak pernah dihukum karena melakukan tindak 3) Never been punished for committing a criminal act
pidana yang merugikan keuangan negara dan/atau that is detrimental to state finances and/or related to
yang berkaitan dengan sektor keuangan; the financial sector;
4) Tidak pernah menjadi anggota Direksi yang selama 4) Never been the member of Board of Directors who is
menjabat: during the term of office:
• Pernah tidak menyelenggarakan RUPS tahunan; • Has ever not convened the annual GMS;
• Pertanggungjawabannya sebagai anggota • Has ever had his/her accountability as the member
Direksi pernah tidak diterima oleh RUPS atau of Board of Directors rejected by the GMS or has ever
pernah tidak memberikan pertanggungjawaban been absent in giving his/her accountability as the
sebagai anggota Direksi kepada RUPS; dan member of Board of Directors to the GMS; and
• Pernah menyebabkan Bank yang memperoleh • Has ever caused a Bank that obtains permit,
izin, persetujuan, atau pendaftaran dari Otoritas approval, or registration from the Financial
Jasa Keuangan tidak memenuhi kewajiban Services Authority not to fulfill its obligation
menyampaikan laporan tahunan dan/atau laporan to submit its annual report and/or financial
keuangan kepada Otoritas Jasa Keuangan. statements to the Financial Services Authority.
2. Persyaratan Materiel 2. Material Requirements
a. Mempunyai akhlak, moral, dan integritas yang baik; a. Has good character, morals, and integrity;
b. Memiliki komitmen untuk mematuhi peraturan b. Has a commitment to comply with the laws and
perundang-undangan; dan regulations; and
c. Memiliki pengetahuan dan/atau keahlian di bidang yang c. Has knowledge and/or expertise in the field required to
dibutuhkan untuk menjalankan tugasnya. perform the duties.
3. Persyaratan Lainnya 3. Other Requirements
Anggota Direksi dilarang memangku jabatan rangkap, apabila The member of Board of Directors are not allowed to hold
jabatan rangkap tersebut bertentangan dengan peraturan concurrent positions if they are contrary to the laws and
perundang-undangan dan/atau apabila jabatan rangkap regulations and/or if they possibly lead to the conflict of
tersebut mungkin dapat menimbulkan benturan kepentingan. interest.
Berdasarkan ketentuan dan persyaratan tersebut, Direksi Bank Based on such provisions and requirements, the Board of Directors
Victoria beranggotakan 5 (lima) orang, yang terdiri dari 1 (satu) orang of Bank Victoria have 5 (five) members, consisting of 1 (one) President
Direktur Utama, 1 (satu) orang Wakil Direktur Utama, dan 3 (tiga) Director, 1 (one) Deputy President Director, and 3 (three) Directors.
orang Direktur. Informasi terkait komposisi keanggotaan Direksi, Information on the composition of the Board of Directors, the period,
periode dan dasar pengangkatannya diuraikan sebagai berikut. and basis of appointment is described as follows.

Direktur Utama Annual GMS Resolution dated 18 May 2018 (2018-2019)
Ahmad Fajar
President Director Surat Keputusan RUPS Tahunan tanggal 10 Mei 2019 (2019-2022)
Surat Keputusan RUPS Luar Biasa tanggal 29 Februari 2016 (2016)

Wakil Direktur Utama Extraordinary GMS Resolutions dated 29 February 2016 (2016)
Rusli
Deputy President Director Surat Keputusan RUPS Tahunan tanggal 10 Mei 2019 (2019-2022)

Direktur Annual GMS Resolution dated 18 May 2018 (2018-2019)
Lembing
Director Surat Keputusan RUPS Tahunan tanggal 10 Mei 2019 (2019-2022)

Direktur Annual GMS Resolution dated 18 May 2018 (2018-2019)
Director Surat Keputusan RUPS Tahunan tanggal 10 Mei 2019 (2019-2022)



Direktur Kepatuhan dan
Tamunan Manajemen Risiko Surat Keputusan RUPS Tahunan tanggal 28 Juni 2013 (2013-2016)
Director of Compliance and Annual GMS Resolution dated 28 June 2013 (2013-2016)
Risk Management


Direktur Surat Keputusan RUPS Tahunan tanggal 28 Juni 2013 (2013-2016)

Ramon Marlon Runtu*
Director Annual GMS Resolution dated 28 June 2013 (2013-2016)


POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan POJK.03/2016 on Fit and Proper Test for Key Parties of Financial
bagi Pihak Utama Lembaga Jasa Keuangan, anggota Direksi yang Services Institution stipulating that member of Board of
menjabat wajib memperoleh persetujuan (melalui fit and proper Directors must obtain approval (through fit and proper test) from
test) dari Otoritas Jasa Keuangan sebelum menjalankan tindakan, the Financial Services Authority before performing their actions,
tugas, dan fungsinya sebagai Direksi. Hal ini guna mengindikasikan duties. and functions as the Board of Directors. This is to indicate
bahwa anggota Direksi telah memiliki integritas, kompetensi dan that the member of Board of Directors have adequate integrity,
reputasi keuangan yang memadai. Informasi terkait pelaksanaan competences, and financial reputation. The information on the
fit and proper test Direksi diuraikan sebagai berikut. implementation of fit and proper test for the Board of Directors
is described as follows.
Nama Jabatan Pelaksana Hasil Tanggal Efektif

Name Position Organizer Result Effective Date
Direktur Utama Otoritas Jasa Keuangan Lulus 30 Oktober 2018
Ahmad Fajar
President Director Financial Services Authority Pass 30 October 2018
Wakil Direktur Utama Otoritas Jasa Keuangan Lulus 16 Mei 2016

Rusli
Deputy President Director Financial Services Authority Pass 16 May 2016
Direktur Otoritas Jasa Keuangan Lulus 30 Oktober 2018

Lembing
Director Financial Services Authority Pass 30 October 2018
Debora Wahjutirto Tanoyo Direktur Otoritas Jasa Keuangan Lulus

22 November 2018
Director Financial Services Authority Pass
Direktur Kepatuhan dan Manajemen Risiko Lulus 24 Maret 2009

Tamunan Bank Indonesia
Director of Compliance and Risk Management Pass 24 March 2009
Direktur Lulus 12 Agustus 2011

Ramon Marlon Runtu* Bank Indonesia
Director Pass 12 August 2011


Program Orientasi bagi Direksi Baru Orientation Program for New Board of
Directors
1. Untuk anggota Direksi yang baru diangkat, wajib diberikan 1. For newly appointed members of the Board of Directors,
Program Pengenalan mengenai kondisi Bank secara umum. an introduction program must be provided regarding the
Company’s condition in general.
2. Penanggungjawab atas program pengenalan tersebut adalah 2. Person in charge of this introduction program is the
Sekretaris Perusahaan atau siapapun yang menjalankan Corporate Secretary, or anyone who performs such function
fungsi sebagai Sekretaris Perusahaan. as a Corporate Secretary.
3. Peningkatan kapabilitas dinilai penting agar Direksi dapat 3. Competence development is deemed important so that
selalu memperbaharui informasi tentang perkembangan the Board of Directors can always update the information
terkini dari bisnis Bank dan peraturan perundang-undangan on the latest developments on the Bank’s business and the
yang berlaku dan sebagai bentuk antisipasi atas masalah applicable laws and regulations, and as a form of anticipation
yang timbul di kemudian hari bagi keberlangsungan dan of problems arising in the future that can affect the Bank’s
kemajuan Bank. sustainability and progress.
4. Program Pengenalan Direksi meliputi dan tidak terbatas pada 4. The introduction program for the new Board of Directors
hal-hal berikut ini: includes and is not limited to the following:
a. Pemberian Informasi yang terdapat pada situs laman Bank; a. Provision of information contained in the Bank’s website;
b. Pengenalan tentang seluruh Sistem dan Prosedur yang b. Introduction on all system and procedures contained in
terdapat pada Intranet Bank; the Bank’s intranet;
c. Membawa keliling ke cabang-cabang terutama cabang c. To take them for a visit to branch offices, especially to
besar; dan large branch offices; and
d. Menginformasikan Laporan Tahunan. d. Providing information on the Annual Report.
Kebijakan Keberagaman Komposisi Diversity Policy of the Composition of

Bank Victoria telah menyusun Kebijakan Keberagaman Komposisi Bank Victoria has developed the Diversity Policy in the Composition
Board of Commissioners and Board of Directors PT Bank Victoria of the Board of Commissioners and Board of Directors of PT Bank
International Tbk yang telah disahkan melalui Surat Keputusan Victoria International Tbk that has been validated by Decision
Dewan Komisaris No. 001/SK-KOM/12/16 tanggal 14 Desember Letter of the Board of Commissioners No. 001/SK-KOM/12/16
2016. Kebijakan Keberagaman tersebut diwujudkan dalam bentuk dated 14 December 2016. Such Diversity policy was actualized
keberagaman kompetensi, pengalaman, usia, jenis kelamin, serta in the form of competencies, experiences, age, gender, and
latar belakang pendidikan calon anggota Direksi yang dievaluasi education background diversity of the potential members of
oleh Komite Nominasi dan Remunerasi sebelum pengangkatannya Board of Directors which were evaluated by the Nomination and
oleh RUPS atas usulan Dewan Komisaris. Berikut keberagaman Remuneration Committee prior to their appointment at the GMS
komposisi Direksi. based on suggestion from the Board of Commissioners. Below is
the diversity of the Board of Directors’ Composition.
Jenis Keberagaman Uraian

Type of Diversity Description
Latar belakang Pendidikan Direksi beragam, mulai dari lulusan S1 hingga S2,
dengan kompetensi di bidang Akuntansi, Ekonomi Pertanian, Keuangan, Bisnis, dan
Pendidikan Manajemen.
Education The educational backgrounds of the Board of Directors vary from undergraduate to
postgraduate degrees, with competencies in Accounting, Agriculture, Economics,
Finance, Business, and Management. Direksi telah memenuhi unsur
keberagaman, yaitu perpaduan dari
Anggota Direksi memiliki pengalaman kerja di bidang Keuangan, Akuntansi, sisi Pendidikan, pengalaman kerja,
Pengalaman Kerja Perbankan, Bisnis Administrasi, dan Manajemen Risiko. usia, dan jenis kelamin.
Work Experience Member of Board of Directors has work experiences in Finance, Accounting, Banking, The Board of Directors has fulfilled
Administration Business, and Risk Management sector. elements of diversity, namely a
Rata-rata usia Direksi berada pada usia yang memungkinkan seseorang untuk terus combination of educations, work
bekerja dan berkarya dengan rentang usia 34-55 tahun. experiences, ages and genders.
Usia
Age The average ages of members of Board of Directors are allowing them to continue
working, between 34-55 years.
Jenis Kelamin Terdapat 1 (satu) anggota Direksi yang berjenis kelamin perempuan.
Gender There is only 1 (one) female member of the Board of Directors.

Independensi dan Pengelolaan Independence and Management of

Benturan Kepentingan Direksi Conflict of Interest
Independensi Direksi merupakan faktor penting yang perlu The independence of Board of Directors is an important factor
dijaga agar Direksi dapat bertindak dengan sebaik-baiknya demi that needs to be maintained so the Board of Directors may take
kepentingan Bank secara keseluruhan. Untuk menjaga independensi action at their best for the Bank’s interest in overall. To maintain
Direksi, Bank menetapkan ketentuan sebagai berikut. the independence of Directors, the Bank stipulates the following
provisions.
1. Selain Direksi, pihak lain manapun dilarang melakukan atau 1. Other than the Board of Directors, other parties are not allow
campur tangan dalam kepengurusan Bank; to get involved in or interfere in the Bank’s management;
2. Direksi harus dapat mengambil keputusan secara obyektif, 2. The Board of Directors must be able to make decision
tanpa benturan kepentingan dan bebas dari segala tekanan objectively, without conflict of interest and free of any
dari pihak manapun; dan pressures from any party; and
3. Anggota Direksi dilarang melakukan kegiatan yang dapat 3. The member of Board of Directors are not allowed to conduct
mengganggu independensinya dalam mengurus Bank. any of their activities that can disrupt their independence in
managing the Bank.
Terkait hal tersebut, Direksi harus menghindari terjadinya In regard to that, the Board of Directors must avoid the conflict of
benturan kepentingan dalam setiap pengambilan keputusan. interest in any decision-making process. In the event of a conflict of
Dalam hal terjadi benturan kepentingan, anggota Direksi interest, member of Board of Directors are prohibited from taking
dilarang mengambil tindakan yang dapat merugikan Bank atau actions that may harm the Bank or reduce the Bank’s profitability
mengurangi keuntungan Bank, serta wajib mengungkapkan and must disclose the conflict of interest in any decision.
benturan kepentingan dalam setiap keputusan.
Untuk meminimalisir terjadinya benturan kepentingan, maka To minimize the potential for conflict of interest, each member
setiap anggota Direksi diwajibkan untuk menandatangani Pakta of the Board of Directors is required to sign the Integrity Pact
Integritas yang berisikan komitmen bahwa dalam melaksanakan containing the commitment that in performing its duties, the
tugasnya, anggota Direksi tidak akan melakukan hal-hal yang member of Board of Directors must not commit matters that may
dapat menimbulkan konflik kepentingan. Pakta Integritas tersebut create any conflict of interest. The Integrity Pact must be held
disimpan dan diadministrasikan oleh Sekretaris Perusahaan. and administered by the Corporate Secretary.
Hubungan Afiliasi Direksi Affiliation Relationship of Board of

Directors
Dalam mengupayakan pengambilan keputusan yang profesional To achieve the decision-making process that is professional and
dan independen, serta meminimalisir terjadinya benturan independent, and to minimize the potential for conflict of interest, the
kepentingan, Bank mengelola hubungan afiliasi antara anggota Bank manages affiliate relations between the members of the Board
Dewan Komisaris, anggota Direksi, dan Pemegang Saham of Commissioners, Board of Directors, and Controlling Shareholders.
Pengendali. Hal ini antara lain dilakukan dengan menjaga hubungan These are carried out among others by maintaining affiliate relations
afiliasi anggota Direksi yang ditunjukkan sebagai berikut. of the member of Board of Directors shown as follows.


Komisaris Dewan
Direksi Saham Direksi Saham
Nama Jabatan Komisaris
Board of Board of Pengendali Board of Pengendali
Commissioner

Direktur Utama
Ahmad Fajar
President Director
- √ - √ - √ - √ - √ - √
Wakil Direktur
Utama
Rusli - √ - √ - √ - √ - √ - √
Deputy President
Director



Komisaris Dewan
Commissioner

Direktur
Lembing
Director
- √ - √ - √ - √ - √ - √
Debora
Direktur
Wahjutirto
Director
- √ - √ √ - - √ - √ √ -
Tanoyo
Direktur
Kepatuhan dan
Tamunan Manajemen Risiko
- √ - √ - √ - √ - √ - √
Director of
Compliance and
Risk Management
Ramon Marlon Direktur

Runtu* Director
- √ - √ - √ - √ - √ - √



Komisaris Dewan
Commissioner

Direktur Utama
Ahmad Fajar
President Director - √ - √ - √ - √ - √ - √
Wakil Direktur
Utama
Rusli - √ - √ - √ - √ - √ - √
Deputy President
Director
Direktur
Lembing
Director - √ - √ - √ - √ - √ - √
Debora
Direktur
Wahjutirto
Director - √ - √ √ - - √ - √ √ -
Tanoyo
Direktur
Kepatuhan dan
- √ - √ - √ - √ - √ - √
Director of
Compliance and
Risk Management
Ramon Marlon Direktur √ √ √ √ √ √

- - - - - -
Runtu* Director


Rangkap Jabatan Direksi Concurrent Position of Board of Directors

Direksi melakukan rangkap jabatan sesuai dengan Peraturan The Board of Directors have concurrent positions in accordance
Otoritas Jasa Keuangan No. 55/POJK.03/2016 tentang Penerapan with Financial Services Authority Regulation No. 55/POJK.03/2016
Tata Kelola bagi Bank Umum, serta peraturan turunannya, on the Implementation of Governance for Commercial Bank and
sepanjang yang bersangkutan tidak mengabaikan pelaksanaan its derivative regulations to extent that the relevant party does
tugas dan tanggung jawab sebagai anggota Direksi Bank. not result in the neglect of execution of duties and responsibilities
Berdasarkan peraturan tersebut, ketentuan rangkap jabatan as a member of the Board of Directors of the Bank. Based on the
Direksi diuraikan sebagai berikut. regulation, the provisions of concurrent positions for the Board of
Directors are described as follows.
1. Anggota Direksi dilarang merangkap jabatan sebagai anggota 1. The members of the Board of Directors are prohibited from
Direksi, anggota Dewan Komisaris atau pejabat eksekutif holding concurrent position as the members of the Board
pada bank, perusahaan dan/atau lembaga lain. of Directors, the members of the Board of Commissioners,
or executive officers at other banks, companies, and/or
2. Tidak termasuk rangkap jabatan sebagaimana dimaksud institutions.
pada poin 1 (satu) dalam hal Direksi, yang bertanggung jawab 2. The provision on concurrent position as referred to in point 1
terhadap pengawasan atas penyertaan Bank pada Entitas (one) is not applicable in the event the Board of Directors, who
Anak, menjalankan tugas fungsional menjadi anggota Dewan are responsible for the monitoring of the Bank’s participation
Komisaris pada Entitas Anak bukan bank yang dikendalikan in the Subsidiary, performs functional duties of becoming the
oleh Bank. members of the Board of Commissioners in the Subsidiary.
Sesuai dengan ketentuan tersebut, rangkap jabatan anggota In line with these provisions, the concurrent positions of the
Direksi Bank Victoria ditunjukkan sebagai berikut. members of the Board of Directors of Bank Victoria are shown as
follow.
Rangkap Jabatan pada Perusahaan/Instansi Lain

Concurrent Position at Other Company/Institution
Nama Jabatan Nama Perusahaan/
Name Position Jabatan Instansi
Position Name of Company/
Institution
Direktur Utama
Ahmad Fajar - -
President Director

Rusli - -
Direktur
Lembing - -
Director
Direktur
Debora Wahjutirto Tanoyo - -
Director

Tamunan - -
Director of Compliance and Risk Management
Direktur
Ramon Marlon Runtu* - -
Director

Kepemilikan Saham Direksi Share Ownership of Directors

Berdasarkan Peraturan Otoritas Jasa Keuangan tentang Based on the Financial Services Authority Regulation on the
Penerapan Tata Kelola bagi Bank Umum, Direksi wajib Implementation of Governance for Commercial Bank, the Board of
mengungkapkan kepemilikan saham yang mencapai 5% atau lebih, Directors must disclose the share ownership reaching 5% or more,
baik pada Bank Victoria maupun pada bank dan perusahaan lain, both in Bank Victoria and other banks and companies, domiciled in
yang berkedudukan di dalam dan di luar negeri. Pengungkapan and out of the country. The disclosure of share ownership of the
kepemilikan saham anggota Direksi pada Bank Victoria telah member of Board of Directors in Bank Victoria has been presented
disampaikan dalam Profil Perusahaan dalam Laporan Tahunan ini. in the Company of this Annual Report. Meanwhile, the disclosure
Sedangkan, pengungkapan kepemilikan saham anggota Direksi of share ownership of the member of Board of Directors in other
pada bank atau perusahaan lain ditunjukkan sebagai berikut. banks or companies is shown as follows.

Kepemilikan Saham (%)

Shares Ownership (%)
Lembaga
Nama Jabatan Keuangan Non
Name Position Bank Lain Bank Perusahaan Lain
Bank Victoria
Other Banks Non-bank Other Companies
Financial
Institution
Direktur Utama
Ahmad Fajar - - - -
President Director

Rusli - - - -
Direktur
Lembing - - - -
Director
Direktur
Debora Wahjutirto Tanoyo - - - -
Director

- - - -
Risk Management
Direktur
Ramon Marlon Runtu* - - - -
Director

Rapat Direksi Meeting of the Board of Directors

Kebijakan Rapat Direksi Meeting Policy of Directors
Sebagai bagian dari pelaksanaan tugas, Direksi wajib As part of duty implementation, the Board of Directors must
menyelenggarakan rapat secara berkala. Berdasarkan BOD hold meetings periodically. Based on BOD Charter, the Board
Charter, Direksi wajib menyelenggarakan rapat internal Direksi of Directors must hold internal meetings of Directors at least 1
paling sedikit 1 (satu) kali dalam 1 (satu) bulan dan dapat diadakan (once) a month and may be held at any time as deemed necessary
setiap waktu apabila dianggap perlu oleh salah seorang anggota by either member of the Board of Directors or at the request of
Direksi atau atas permintaan dari rapat Dewan Komisaris atau the meeting of Board of Commissioners or at the written request
atas permintaan tertulis dari 1 (satu) atau lebih Pemegang Saham of 1 (one) or more Shareholders having at least 10% of the total
yang memiliki paling sedikit 10% dari jumlah seluruh saham shares with valid voting rights, which were issued by the Bank.
dengan hak suara yang sah yang dikeluarkan oleh Bank.
Direksi juga wajib melaksanakan rapat gabungan dengan Dewan The Board of Directors must also hold joint meetings with the Board
Komisaris paling sedikit 1 (satu) kali dalam 2 (dua) bulan untuk of Commissioners at least 1 (once) in 2 (two) months to discuss the
membahas perkembangan dari laporan kinerja Direksi. Selain itu, progress of the Board of Directors’ performance report. In addition,
Direksi wajib melaksanakan rapat Direktorat paling sedikit 1 (satu) the Board of Directors must hold a Directorate meeting at least 1 (once)
kali dalam 1 (satu) bulan. a month.
Frekuensi dan Kehadiran Rapat Direksi Board of Directors’ Meeting Frequency and
Attendance
Pada tahun 2019, Direksi telah melaksanakan 47 kali rapat internal In 2019, the Board of Directors held 47 internal meetings
Direksi dengan rata-rata tingkat kehadiran anggota Direksi pada with the average attendance level of members of Board of
rapat internal adalah 94,89% dan 13 kali rapat gabungan dengan Directors reaching 94.89% and 13 joint meetings with Board of
Dewan Komisaris dengan rata-rata tingkat kehadiran anggota Commissioners with the average attendance level of members
Direksi pada rapat gabungan adalah 95,39% Rapat internal dan of Board of Directors reaching 95.39%. These internal and joint
rapat gabungan ini dihadiri secara fisik. Berikut uraian frekuensi meetings were physically attended. The following is details of the
dan tingkat kehadiran Direksi dalam rapat-rapat tersebut. Board of Directors attendance frequency and ratings in those
meetings.

Rapat Internal Direksi Rapat Gabungan dengan

Internal Meeting of Dewan Komisaris
Board of Directors Joint Meeting with
Nama Jabatan Board of Commissioners
Name Position
Total Rapat Total Kehadiran Total Rapat Total Kehadiran
Number of Total % Number of Total %
Meetings Attendance Meetings Attendance
Direktur Utama
Ahmad Fajar 47 47 100.00 13 13 100.00
President Director

Rusli 47 43 91.48 13 12 92.31
Direktur
Lembing 47 42 89.36 13 13 100.00
Director
Direktur
Debora Wahjutirto Tanoyo 47 45 95.74 13 12 92.31
Director

Manajemen Risiko
Tamunan 47 46 97.87 13 12 92.31
and Risk Management
Direktur
Ramon Marlon Runtu* 47 - - - - -
Director
Rata-Rata Kehadiran
94.89 95.39
Average Attendance

Rapat Internal Direksi Internal Meeting of Board of Directors

Pada tahun 2019, agenda, tanggal, dan peserta rapat Direksi Throughout 2019, the agenda, dates, and participants of the
sebagai berikut. Board of Directors’ Meeting are as follows.
Tanggal Rapat Agenda Rapat Peserta Rapat Kehadiran Alasan Tidak Hadir
Meeting Date Meeting Agenda Meeting Participants Attendance Reason for Absence
7 Januari 2019 a. Progres NPL; Ahmad Fajar Hadir -
7 January 2019 b. Kinerja keuangan 31 Desember 2018; dan Present
c. Paparan Direktorat.
Rusli Hadir -
a. NPL progress;
b. Financial performance of 31 December 2018; Present
and Lembing Hadir -
c. Directorate Presentation.
Present

Present
Tamunan Hadir -
Present

Absent On leave

14 January 2019 b. Kinerja keuangan 11 Januari 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 11 January 2019; and Present
c. Directorate Presentation. Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

Absent On leave

21 January 2019 b. Kinerja keuangan 18 Januari 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 18 January 2019; and Present
Present

Present
Tamunan Hadir -
Present

Absent On leave
11 Februari 2019 a. Progres NPL; Ahmad Fajar Hadir -

11 February 2019 b. Kinerja keuangan 8 Februari 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 8 February 2019; and Present
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
b. Financial performance of 15 February 2019; Present
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
b. Financial performance of 22 February 2019; Present
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


4 Maret 2019 a. Progres NPL; Ahmad Fajar Hadir -
4 March 2019 b. Kinerja keuangan 28 Februari 2019; dan Present
Rusli Tidak Hadir Cuti
a. NPL progress;
b. Financial performance of 28 February 2019; Absent On leave
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


12 March 2019 b. Kinerja keuangan 8 Maret 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 8 March 2019; and Present
Present

Present
Tamunan Hadir -
Present


18 March 2019 b. Kinerja keuangan 15 Maret 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present

Absent On leave
1 April 2019 a. Progres NPL; Ahmad Fajar Hadir -

b. Kinerja keuangan 31 Maret 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present

Absent On leave

b. Kinerja keuangan 5 April 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 5 April 2019; and Present
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


6 Mei 2019 a. Progres NPL; Ahmad Fajar Hadir -
6 May 2019 b. Kinerja keuangan 3 Mei 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 3 May 2019; and Present
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Present
Debora Wahjutirto Tanoyo Tidak Hadir Dinas

Absent On Duty
Tamunan Hadir -
Present


20 May 2019 b. Kinerja keuangan 30 April 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
c. Directorate Presentation. Lembing Tidak Hadir Dinas
Absent On Duty

Present
Tamunan Hadir -
Present


1 Juni 2019 a. Progres NPL; Ahmad Fajar Hadir -
1 June 2019 b. Kinerja keuangan 31 Mei 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


18 June 2019 b. Kinerja keuangan 14 Juni 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 14 June 2019; and Present
Absent On Duty

Present
Tamunan Hadir -
Present


25 June 2019 b. Kinerja keuangan 21 Juni 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Tidak Hadir Cuti

Absent On leave

1 Juli 2019 a. Progres NPL; Ahmad Fajar Hadir -

1 July 2019 b. Kinerja keuangan 30 Juni 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


9 July 2019 b. Kinerja keuangan 5 Juli 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 5 July 2019; and Present
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Absent On Duty

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
c. Directorate Presentation. Lembing Tidak Hadir Cuti
Absent On leave

Present
Tamunan Hadir -
Present


5 Agustus 2019 a. Progres NPL; Ahmad Fajar Hadir -
5 August 2019 b. Kinerja keuangan 2 Agustus 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 2 August 2019; and Present
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present

27 Agustus 2019 a. Kampanye “Bebaskan Hidupmu”; Ahmad Fajar Hadir -

27 August 2019 b. Progres NPL; Present
c. Kinerja keuangan 23 Agustus 2019; dan
d. Paparan Direktorat. Rusli Hadir -
a. “Free Your Life” Campaign; Present
b. NPL progress; Lembing Hadir -
c. Financial performance of 23 August 2019; and
Present
d. Directorate Presentation.
Present
Tamunan Hadir -
Present


3 September 2019 a. HUT Bank Victoria; Ahmad Fajar Hadir -
b. Progres NPL; Present
c. Kinerja keuangan 31 Agustus 2019; dan
a. Bank Victoria’s Anniversary; Present
c. Financial performance of 31 August 2019; and
Present
Present
Tamunan Hadir -
Present


c. Kinerja keuangan 6 September 2019; dan
b. NPL progress; Lembing Tidak Hadir Cuti
c. Financial performance of 6 September 2019;
Absent On leave
and
d. Directorate Presentation. Debora Wahjutirto Tanoyo Hadir -
Present
Tamunan Hadir -
Present


Present
and
Present
Tamunan Hadir -
Present


Present
and
Present
Tamunan Hadir -
Present


30 September 2019 a. Progres NPL; Ahmad Fajar Hadir -
b. Kinerja keuangan 27 September 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 27 September 2019; Present
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

14 Oktober 2019 a. Update Victoria Run 2019; Ahmad Fajar Hadir -

14 October 2019 b. Progres NPL; Present
c. Kinerja keuangan 11 Oktober 2019; dan
a. Update of Victoria Run 2019; Present
c. Financial performance of 11 October 2019; and
Present
Present
Tamunan Hadir -
Present

21 Oktober 2019 a. Progres NPL; Ahmad Fajar Hadir -

21 October 2019 b. Kinerja keuangan 18 Oktober 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 18 October 2019; and Present
Present

Present
Tamunan Hadir -
Present

29 Oktober 2019 a. Progres NPL; Ahmad Fajar Hadir -

29 October 2019 b. Kinerja keuangan 25 Oktober 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


4 November 2019 a. Progres NPL; Ahmad Fajar Hadir -
b. Kinerja keuangan 31 Oktober 2019; dan Present
Rusli Hadir -
a. NPL progress;
Present

Present
Tamunan Hadir -
Present


b. Kinerja keuangan 8 November 2019; dan Present
Rusli Hadir -
a. NPL progress;
b. Financial performance of 8 November 2019; Present
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


Rusli Hadir -
a. NPL progress;
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


3 Desember 2019 a. Progres NPL; Ahmad Fajar Hadir -
3 December 2019 b. Kinerja keuangan 30 November 2019; dan Present
Rusli Hadir -
a. NPL progress;
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present

10 Desember 2019 a. Penginian kebijakan kredit; Ahmad Fajar Hadir -

10 December 2019 b. Progres NPL; Present
c. Kinerja keuangan 6 Desember 2019; dan
a. Updating credit policies; Present
c. Financial performance of 6 December 2019;
Present
and
Present
Tamunan Hadir -
Present


16 December 2019 b. Kinerja keuangan 13 Desember 2019; dan Present
a. NPL progress;
b. Financial performance of 13 December 2019; Absent On leave
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


a. NPL progress;
and Lembing Hadir -
Present

Present
Tamunan Hadir -
Present


a. NPL progress;
and Lembing Hadir -
Present
Debora Wahjutirto Tanoyo Tidak Hadir Cuti

Absent On leave
Tamunan Hadir -
Present


Rapat Gabungan Direksi dengan Dewan Komisaris Joint Meeting of Board of Directors and Board of
Commissioners
Agenda rapat gabungan Direksi dengan Dewan Komisaris telah The agenda of joint meeting of Board of Directors and
diungkapkan dalam rapat Dewan Komisaris. Board of Commissioners has been disclosed in the Board of
Commissioners' Meetings.
Rekomendasi Direksi Recommendations of the Board of Directors

Sepanjang tahun 2019, Direksi Bank memberikan rekomendasi Throughout 2019, the Board of Directors of the Bank gave
dan nasihat terkait pelaksanaan strategi usaha Bank yang recommendations and advises regarding implementation of the
diungkapkan pada tabel berikut. Bank’s business strategies as described in the table below.
No. Surat Tanggal Keputusan

Letter No. Date Decisions
Kajian Kebijakan dan Prosedur
Review of Policy and Procedure
2 Januari 2019 SOP System Procedure

001/SK-DIR/01/19
2 January 2019 SOP for System Procedure
16 Januari 2019 Standar Operasional Prosedur Bank Garansi

004/SK-DIR/01/19
16 January 2019 Standard Operating Procedure for Bank Guarantee
11 Februari 2019 SOP Tingkat Kesehatan Bank

004/SK-DIR/02/19
11 February 2019 SOP for Bank Soundness Level
11 Februari 2019 Information Technology Committee

005/SK-DIR/02/19
11 February 2019 Information Technology Committee
11 Februari 2019 Prosedur Penilaian Profil Risiko

006/SK-DIR/02/19
11 February 2019 Risk Profile Assessment Procedure
27 Februari 2019 SOP SKBDN

010/SK-DIR/02/19
27 February 2019 SOP of SKBDN
27 Februari 2019 SOP Customer Information File (CIF)

011/SK-DIR/02/19
27 February 2019 SOP for Customer Information File (CIF)
27 Februari 2019 SOP Layanan Pengaduan Konsumen

015/SK-DIR/02/19
27 February 2019 SOP for Consumer Complaints Services
1 Maret 2019 SOP Pengelolaan Inventaris

003/SK-DIR/03/19
1 March 2019 SOP for Inventory Management
SOP New V-Plan

002/SK-DIR/04/19 5 April 2019
SOP for New V-Plan
SOP HCM
003/SK-DIR/04/19 9 April 2019
SOP for HCM


26 April 2019 Penilaian Profil Risiko Terintegrasi
006/SK-DIR/04/19
Integrated Risk Profile Assessment
14 Mei 2019 SOP Kerja Sama Bank Garansi dengan Perusahaan Asuransi
003/SK-DIR/05/19
14 May 2019 SOP for Cooperation of Bank Guarantee with Insurance Companies
29 Mei 2019 Kebijakan Penanganan Power User Aplikasi Matairsys

010/SK-DIR/05/19
29 May 2019 Policy to Manage Power User of Matairsys Application
29 Mei 2019 SOP Access Control & Security

011/SK-DIR/05/19
29 May 2019 SOP for Access Control & Security
29 Mei 2019 Pedoman Penanganan Penggunaan Power User

012/SK-DIR/05/19
29 May 2019 Manual to Manage the Use of Power User
Kebijakan Penanganan Power User Aplikasi Internet Banking Bisnis IT (IBB)

10 Juni 2019
001/SK-DIR/06/19 Policy on Power User Management of IT Application, Business Internet
10 June 2019
Banking (IBB)
17 Juni 2019 SOP Tabungan Victoria Maxima

002/SK-DIR/06/19
17 June 2019 SOP for Victoria Maxima Savings
Pedoman Aktivasi Fungsional Operasional di Risiko Operasional (Risk

19 Juni 2019 Register)
003/SK-DIR/06/19
19 June 2019 Guidelines on Operational Functional Activation of Operational Risk (Risk
Register)
21 Juni 2019 SOP Pelayanan Keuangan kepada Penyandang Disabilitas

004/SK-DIR/06/19
21 June 2019 SOP for Financial Services for People with Disabilities
26 Juni 2019 SOP Pemeliharaan Gedung dan Bangunan-Bab III

005/SK-DIR/06/19
26 Juni 2019 SOP for Construction and Building Maintenance - Chapter III
27 Juni 2019 Kebijakan Manajemen risiko terkait Information Technology

007/SK-DIR/06/19
27 June 2019 Risk Management Policy related to Information Technology
27 Juni 2019 Kebijakan Pengelolaan Konfigurasi Perangkat Keras dan Perangkat Lunak
008/SK-DIR/06/19
27 June 2019 Policy on Hardware and Software Configuration Management
27 Juni 2019 Prosedur Pengamanan operasional Teknologi Sistem Informasi

009/SK-DIR/06/19
27 June 2019 Operational Security Procedures for Information System Technology
28 Juni 2019 Kebijakan Kecukupan Kontrak dan Tersedianya SLA Bank

011/SK-DIR/06/19
28 June 2019 Policy on Adequacy of Contract and Availability of Bank’s SLA
28 Juni 2019 Kebijakan Klasifikasi dan Pertukaran Informasi

012/SK-DIR/06/19
28 June 2019 Policy for Classification and Exchange of Information
28 Juni 2019 Kebijakan Security Awareness

013/SK-DIR/06/19
28 June 2019 Security Awareness Policy
9 Juli 2019 SOP Bab XIV Benturan Kepentingan

001/COMP-SOP/07/2019
9 July 2019 SOP Chapter XIV Conflict of Interest
9 Juli 2019 SOP Internal Control

002/COMP-SOP/07/2019
9 July 2019 SOP for Internal Control
9 Juli 2019 Kebijakan Manajemen Risiko Terkait Informasi Technology

003/COMP-SOP/07/2019
9 July 2019 Risk Management Policy related to Information Technology
9 Juli 2019 Kebijakan Klasifikasi & Pertukaran Informasi TSI

004/COMP-SOP/07/2019
9 July 2019 Policy for Classification and Exchange of TSI Information
9 Juli 2019 Kebijakan Security Awarness

005/COMP-SOP/07/2019
9 July 2019 Security Awareness Policy
9 Juli 2019 Kebijakan Pengukuran Kinerja & Perencanaan Kapasitas Jaringan

006/COMP-SOP/07/2019
9 July 2019 Policy for Performance Measurement & Network Capacity Planning
9 Juli 2019 Kebijakan Pengamanan Logik (Logical Security)

007/COMP-SOP/07/2019
9 July 2019 Logical Security Policy
9 Juli 2019 Prosedur Tata Kelola E-mail

008/COMP-SOP/07/2019
9 July 2019 Procedure for E-mail Governance
11 Juli 2019 Prosedur Penilaian Profil Risiko

009/COMP-SOP/07/2019
11 July 2019 Risk Profile Assessment Procedure


22 Juli 2019 Kebijakan dan Prosedur User Identification
010/COMP-SOP/07/2019
22 July 2019 Policy and Procedure for User Identification
22 Juli 2019 Kebijakan Penanganan Power User Aplikasi PSAK

011/COMP-SOP/07/2019
22 July 2019 Policy to Manage Power User of PSAK Application
22 Juli 2019 Kebijakan Manajemen Insiden Keamanan Informasi

012/COMP-SOP/07/2019
22 July 2019 Policy for Information Security Incident Management
23 Juli 2019 Kebijakan Change Management

013/COMP-SOP/07/2019
23 July 2019 Change Management Policy
29 Juli 2019 Kebijakan & Prosedur HCM

014/COMP-SOP/07/2019
29 July 2019 Policy & Procedure for HCM
12 Agustus 2019 Kebijakan dan Prosedur Audit Intern Teknologi Informasi

001/COMP-SOP/08/2019
12 August 2019 Policy and Procedure for Information Technology Internal Audit
12 Agustus 2019 Kebijakan Perencanaan Kapasitas Teknologi Informasi

002/COMP-SOP/08/2019
12 August 2019 Policy for Information Technology Capacity Planning
15 Agustus 2019 Kebijakan Pemeliharaan Perangkat Keras dan Perangkat Lunak

003/COMP-SOP/08/2019
15 August 2019 Policy for Hardware and Software Maintenance
15 Agustus 2019 Kebijakan Penanganan Kejadian

004/COMP-SOP/08/2019
15 August 2019 Policy for Event Handling
16 Agustus 2019 Kebijakan Penghapusan Perangkat Keras dan Perangkat Lunak

005/COMP-SOP/08/2019
16 August 2019 Hardware and Software Removal Policy
22 Agustus 2019 Kebijakan & Prosedur Multifinance

006/COMP-SOP/08/2019
22 August 2019 Policy & Procedure for Multifinance
Kebijakan PSAK 50 dan 55–CKPN Kredit

22 Agustus 2019
007/COMP-SOP/08/2019 Policy for PSAK 50 and 55 - Credit’s CKPN (allowance for impairment
22 August 2019
losses)
22 Agustus 2019 Kebijakan Penglolaan Data Warehouse (DWH)

008/COMP-SOP/08/2019
22 August 2019 Policy for Data Warehouse (DWH) Management
22 Agustus 2019 Kebijakan User Representatif

009/COMP-SOP/08/2019
22 August 2019 User Representative Policy
22 Agustus 2019 Kebijakan Pengelolaan Aset–Teknologi Informasi

010/COMP-SOP/08/2019
22 August 2019 Policy for Asset-Information Technology Management
Kebijakan System Development Life Cycle (SDLC)

001/COMP-SOP/09/2019 10 September 2019
Policy for System Development Life Cycle (SDLC)
Prosedur System Development Life Cycle (SDLC)

002/COMP-SOP/09/2019 10 September 2019
Procedure for System Development Life Cycle (SDLC)
4 Oktober 2019 SOP Penilaian Agunan (Appraisal)

001/COMP-SOP/10/2019
4 October 2019 SOP for Collateral Appraisal
25 Oktober 2019 SOP Pengelolaan Inventaris

002/COMP-SOP/10/2019
25 October 2019 SOP for Inventory Management
Kebijakan & SOP Sysdur

001/COMP-SOP/11/2019 15 November 2019
Policy & SOP for System Procedure
SOP Kepatuhan
SOP for Compliance
Kebijakan Kepatuhan
Compliance Policy
Kebijakan & Prosedur Corporate Lending

Policy & Procedure for Corporate Lending
Kebijakan & SOP Commercial Banking

Policy & SOP for Commercial Banking
Kebijakan & SOP Akuntansi

Policy & SOP for Accounting


Kajian Produk
Product Review
Kajian Kerjasama Bancassurance Produk VIP Investa Link Assurance

antara PT Bank Victoria International Tbk dengan PT Victoria ALife
22 Juli 2019 Indonesia
01/COMP-PD/07/2019
22 July 2019 Review of Bancassurance Cooperation on VIP Investa Link Assurance
Products between PT Bank Victoria International Tbk and PT Victoria
ALife Indonesia
Compliance Checklist Peningkatan Status Kantor Kas Sahid menjadi

12 Agustus 2019 Kantor Cabang Pembantu
030/DIR-EKS/08/2019
12 August 2019 Compliance Checklist on Improvement of Status of Sahid’s Cash Office to
be Sub-Branch Office
Compliance Checklist Peningkatan Status Kantor Kas Muara Karang

16 Agustus 2019 2 (dua) menjadi Kantor Cabang Pembantu
048/DIR-EKS/08/2019
16 August 2019 Compliance Checklist on Improvement of Status of Muara Karang 2 (two)’s
Cash Office to be Sub-Branch Office
Sertifikasi Manajemen Risiko Direksi Risk Management Certification of Board

of Directors
Di samping program peningkatan kompetensi, Direksi juga mengikuti In addition to the competence development program, the Board
program sertifikasi manajemen risiko. Pada periode 2019, Direksi of Directors also attended the risk management certification
yang telah lulus sertifikasi manajemen risiko sebagai berikut. program. In 2019, the Board of Directors who passed the risk
management certification are as follows.
Nama Jabatan Waktu Masa Berlaku Penyelenggara

Level
Name Position Time Validity Period Organizer
Direktur Utama Perbankan
Ahmad Fajar 5 26 April 2019 26 April 2021
President Director Banking Profession Certification
Institution

Wakil Direktur Utama Perbankan
Rusli 5 26 April 2019 26 April 2021
Deputy President Director Banking Profession Certification
Institution

Direktur 24 Juni 2018 24 Juni 2020 Perbankan
Lembing 5
Director 24 June 2018 24 June 2020 Banking Profession Certification
Institution

Debora Wahjutirto Direktur 26 Mei 2018 26 Mei 2020 Perbankan
5
Tanoyo Director 26 May 2018 26 May 2020 Banking Profession Certification
Institution
Direktur Kepatuhan Lembaga Sertifikasi Profesi

dan Manajemen Risiko Perbankan
Tamunan 5 8 September 2019 8 September 2021
Director of Compliance Banking Profession Certification
and Risk Management Institution

Direktur Perbankan
Ramon Marlon Runtu* 5 25 November 2016 25 November 2019
Director Banking Profession Certification
Institution


Penilaian Kinerja Direksi Directors’ Performance Assessment

Sebagai bagian dari implementasi GCG, kinerja Direksi wajib As part of the GCG implementation, the Board of Directors’
dievaluasi paling sedikit 1 (satu) kali dalam 1 (satu) tahun. Evaluasi performance must be evaluated at least 1 (one) time within 1 (one)
kinerja Direksi dilakukan melalui self assessment dan oleh Dewan year. The Board of Directors’ performance evaluation is carried out
Komisaris. independently (self assessment) and by the Board of Commissioners.
Prosedur dan Kriteria Penilaian Kinerja Direksi Procedure and Criteria of Directors’ Performance Assessment
1. Self Assessment Direksi 1. Directors’ Self Assessment
Pelaksanaan self assessment Direksi berdasarkan Peraturan The implementation of the Board of Directors’ self-assessment
Otoritas Jasa Keuangan tentang Penerapan Tata Kelola bagi is based on the Financial Services Authority Regulation
Bank Umum. Berdasarkan peraturan tersebut, Bank wajib on the Governance Implementation for Commercial Bank.
melaksanakan self assessment implementasi GCG dengan In accordance with the regulation, the Bank is required to
salah satu faktor penilaian adalah pelaksanaan tugas dan conduct self-assessment of GCG implementation with one of
tanggung jawab Direksi. Faktor penilaian terkait Direksi assessment factors, which is the implementation of duties
tersebut mencakup 16 indikator governance structure, 14 and responsibilities. Assessment factors related to the Board
indikator governance process, dan 10 indikator governance of Directors include 16 governance structure indicators, 14
outcome sebagaimana diatur dalam Lampiran III Surat Edaran governance process indicators, and 10 governance outcome
Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang indicators as set forth in Appendix III of Circular Letter
Penerapan Tata Kelola Bagi Bank Umum. of Financial Services Authority No. 13/SEOJK.03/2017 on
Governance Implementation for Commercial Bank.
Pelaksanaan self assessment terkait Direksi dikoordinir oleh Implementation of self-assessment related to the Board of
Divisi Compliance, KYC/Integrated and System Procedure dan Directors is coordinated by the Compliance, KYC/Integrated
dilaporkan kepada Direksi dan Dewan Komisaris. and System Procedure Division and reported to the Board of
Directors and Board of Commissioners.
2. Penilaian Kinerja Direksi oleh Dewan Komisaris 2. Directors’ Performance Assessment by the Board of
Commissioners
Prosedur penilaian kinerja Direksi oleh Dewan Komisaris Procedures of Directors performance assessment by the
meliputi: Board of Commissioners cover:
a. Direksi menyusun KPI yang memuat rencana kerja, a. The Board of Directors prepares KPI that includes work
sasaran atau target yang akan dicapai dalam 1 (satu) plan, objectives, or goals to be achieved within 1 (one)
tahun maupun triwulan; year and quarterly;
b. Penilaian kinerja Direksi dilaksanakan oleh Dewan b. The Board of Directors’ performance assessment is
Komisaris, namun Direktur Utama dapat menilai Direksi conducted by the Board of Commissioners, but the
lainnya; President Director can assess other Directors;
c. Direksi melaporkan realisasi pencapaian target masing- c. The Board of Directors report the realization of target
masing KPI dalam laporan triwulan dan laporan tahunan achievement for each KPI in the quarterly report and
kepada Dewan Komisaris, baik secara individu maupun annual report to the Board of Commissioners, whether
kolektif untuk dievaluasi; dan individually or collectively to be evaluated; and
d. Hasil evaluasi KPI Direksi oleh Dewan Komisaris menjadi d. The evaluation result of Directors’ KPI by the Board of
media penilaian pertanggungjawaban Direksi di RUPS. Commissioners becomes means of assessing the Board
of Directors’ accountability in the GMS.
Adapun kriteria yang digunakan dalam penilaian kinerja The criteria used in the performance assessment include:
tersebut meliputi:
a. Terlaksananya kepemimpinan (leadership), kerja sama a. The implementation of leadership. team work, and good
(team work), serta komunikasi dan kompetensi yang baik; communication and competences;
b. Terlaksananya Good Corporate Governance dalam setiap b. The implementation of Good Corporate Governance in
kegiatan usaha Bank; every business activity of the Bank;
c. Terlaksananya pencapaian Rencana Bisnis Bank; dan c. The achievement of the Bank’s Business Plans; and
d. Terlaksananya pengawasan atas tindak lanjut dari Direksi d. The implementation of monitoring on the followup
berdasarkan audit, rekomendasi SKAI, auditor eksternal, from the Board of Directors based on audit, SKAI
atau pengawasan Otoritas Jasa Keuangan. recommendation, external auditor, or the supervision of

Hasil Penilaian Kinerja Direksi Board of Directors Performance Assessment Result

1. Self Assessment Direksi 1. Board of Directors’ Self Assessment
Berdasarkan hasil self assessment terkait pelaksanaan tugas Based on self assessment results related to the
dan tanggung jawab pada tahun 2019, Direksi memperoleh implementation of duties and responsibilities in 2019, the
nilai komposit “2 (dua)” dengan kategori “Baik”. Board of Directors scored a composite score “2 (two)” with
the category of “Good”.
2. Penilaian Kinerja Direksi oleh Dewan Komisaris 2. Board of Directors’ Performance Assessment by the Board
of Commissioners
Berdasarkan hasil penilaian kinerja Direksi oleh Dewan Based on Board of Directors’ performance assessment result
Komisaris pada tahun 2019, Direksi memperoleh nilai komposit made by the Board of Commissioners in 2019, the Board
“2 (dua)” dengan kategori “Baik”. Hal tersebut menunjukkan of Directors scored a composite score “2 (two)” with the
setiap anggota Direksi telah melaksanakan tugas dan tanggung category of “Good”. This shows that each member of Board
jawabnya dengan baik dan sesuai dengan BOD Charter dan of Directors has carried out its duties and responsibilities
peraturan perundang-undangan yang berlaku. appropriately and in accordance with the BOD Charter and
prevailing laws and regulations.
Penilaian Kinerja Komite Pendukung Performance Assessment of Committees

Direksi Supporting Directors
Selain penilaian kinerja Direksi, kinerja Komite-Komite di bawah In addition to the Board of Directors’ performance assessment,
Direksi juga dievaluasi, baik secara individual maupun secara the performance of the Committees under the Board of Directors
kolektif, yang dilakukan setiap 1 (satu) tahun dengan menggunakan is also evaluated, whether individually or collectively, which
metode evaluasi dalam suatu sistem yang ditetapkan dalam is conducted every 1 (one) year using the evaluation method
keputusan Direksi. Penilaian kinerja tersebut dilakukan oleh Direksi. in a system stipulated in the Board of Directors’ Decree. Such
performance assessment is carried out by the Board of Directors.
Prosedur dan Kriteria Penilaian Kinerja Komite Procedure and Criteria of Performance
Pendukung Direksi Assessment of Committees Supporting Directors
Secara umum, kriteria penilaian kinerja Komite-Komite In general, the criteria of the performance assessment of
Pendukung Direksi meliputi: Committees Supporting Directors include:
1. Kehadiran dalam rapat Komite; 1. Attendance in the Committee’s meetings;
2. Penguasaan materi yang akan dibahas; 2. Mastering materials that will be discussed;
3. Kesediaan menyediakan waktu dan upaya dalam memenuhi 3. The willingness to allocate time and effort in meeting duties
tugas dan tanggung jawab sebagai anggota Komite; and responsibilities as member of the Committee;
4. Kesediaan berpartisipasi dalam kegiatan di luar kantor, 4. The willingness to participate in out-of-office activities, such
seperti kunjungan ke unit bisnis; as visit to business unit;
5. Kualitas dan saran yang diberikan dalam rapat-rapat; 5. Quality advice given in the meetings;
6. Terlaksananya pemantauan dan evaluasi, baik secara berkala 6. The implementation of monitoring and evaluation, whether
maupun tahunan, atas hal-hal yang menjadi bidang tugas dan periodically or annually, of matters that become the duties
tanggung jawab masing-masing Komite; and responsibilities of each Committee;
7. Pemantauan dan koreksi penyimpangan; dan 7. toring and correction of deviations; and
8. Terlaksananya pemantauan dan evaluasi terhadap divisi/ 8. The implementation of monitoring and evaluation to the
unit yang terkait dengan bidang tugas dan tanggung jawab division/unit related to duties and responsibilities of each
masing-masing Komite. Committee.
Hasil Penilaian Kinerja Komite Pendukung Direksi Performance Assessment Results of Committees
Supporting the Board of Directors
Hasil penilaian kinerja Komite-Komite pendukung Direksi pada Performance assessment results of the Board of Directors
tahun 2019 sebagai berikut. supporting Committees in 2019 are as follows.

Komite Pendukung Direksi

Dasar Penilaian Hasil Penilaian
Board of Directors’
Basis of Assessment Assessment Results
Supporting Committees
Komite Manajemen Risiko 1. Kehadiran dalam rapat Komite; Pada tahun 2019, Komite Manajemen Risiko telah melaksanakan tugas
Risk Management Committee 2. Penguasaan materi yang akan dan tanggung jawabnya dengan baik. Hal ini tercermin dalam membantu
dibahas; Direksi menyusun kebijakan manajemen risiko serta perubahannya dan
3. Kesediaan menyediakan waktu dan menyempurnakan proses manajemen risiko secara berkala.
upaya dalam memenuhi tugas dan In 2019, the Risk Management Committee performed its duties and
tanggung jawab sebagai anggota responsibilities well. This is reflected in its assistance to the Board of
Komite; Directors in preparing the risk management policies, amending and
4. Kesediaan berpartisipasi dalam improving the risk management process on a regular basis.
kegiatan di luar kantor, seperti
kunjungan ke unit bisnis;
5. Kualitas dan saran yang diberikan
dalam rapat-rapat;
evaluasi, baik secara berkala maupun
tahunan, atas hal-hal yang menjadi
bidang tugas dan tanggung jawab
masing-masing Komite;
7. Pemantauan dan koreksi
penyimpangan; dan
evaluasi terhadap divisi/unit kerja
maupun secara terintegrasi sesuai
bidang tugas dan tanggung jawab
masing-masing Komite.
Komite Manajemen Risiko 1. Attendance in Committee’s Direksi Entitas Utama memandang bahwa kinerja Komite Manajemen
Terintegrasi meetings; Risiko Terintegrasi selama tahun 2019 telah berjalan dengan baik dalam
Integrated Risk Management 2. Mastering materials to be discussed; merumuskan kebijakan, menyempurnakan pelaksanaan kebijakan,
Committee 3. Willingness to allocate time and mengevaluasi perkembangan, dan kondisi profil risiko terintegrasi, serta
efforts in fulfilling duties and memberikan saran dan langkah perbaikan untuk konglomerasi keuangan
responsibilities as member of the Grup Victoria.
Committees; The Board of Directors of Main Entity views that the Integrated Risk
4. Willingness to participate in out- Management Committee’s performance throughout 2019 was running well in
of-office activities, such as visit to formulating policies, refining the implementation of policies, evaluating the
business unit; development and condition of the integrated risk profile, and giving advises
5. Quality advice given in the meetings; and corrective actions for Victoria Group's financial conglomeration.
evaluation, whether periodically or
annually, of matters that become the
duties and responsibilities of each
Committee;
7. Monitoring and correction of
deviations; and
evaluation on the division/work unit,
including in an integrated manner,
in accordance with the duties and
responsibilities of each Committee.
Assets and Liabilities Committee Direksi memandang kinerja Assets and Liabilities Committee selama tahun
Assets and Liabilities Committee 2019 baik, hal tersebut tercermin dalam analisa dan evaluasi pengelolaan
aset dan liabilitas, serta pengambilan keputusan melalui perumusan
kebijakan, strategi dan sasaran untuk mengelola aset dan liabilitas Bank
secara terintegrasi.
The Board of Directors views that the performance of Assets and Liabilities
Committee throughout 2019 was well. This was shown in the analysis and
evaluation of assets and liabilities management and the decision-making
through formulation of policy, strategy, and target to manage the Bank’s
assets and liabilities in an integrated manner.


Komite Kredit Sepanjang tahun 2019, Direksi menilai Komite Kredit telah menjalankan
Credit Committee tugas dan tanggung jawabnya dengan baik. Komite Kredit telah melakukan
rapat Komite yang membahas terkait klien korporasi, klien komersial, klien
Small Medium Enterprises, klien consumer, klien perusahaan pembiayaan,
klien FI, dan klien Special Asset Management.
Throughout 2019, the Board of Directors evaluated that the Credit
Committee performed its duties and responsibilities properly. The
Credit Committee held meetings that discussed matters related to
corporate clients, commercial clients, Small Medium Enterprises clients,
consumer clients, financing company clients, FI clients, and Special Asset
Management clients.
Komite Kebijakan Perkreditan Sepanjang tahun 2019, Direksi menilai Komite Kebijakan Pekreditan telah
Credit Policy Committee menjalankan tugas dan tanggung jawabnya dengan baik. Hal tersebut
tercermin dalam merumuskan kebijakan kredit, serta memberikan saran
untuk perbaikan terkait kebijakan kredit.
Throughout 2019, the Board of Directors evaluated that the Credit Policy
Committee performed its duties and responsibilities properly. This was
reflected in formulating credit policies, as well as providing suggestions for
improvements related to credit policies.
Komite Teknologi Informasi Direksi menilai Komite Teknologi Informasi telah menjalankan tugas dan
Information Technology tanggung jawabnya dengan baik selama tahun 2019. Hal tersebut ditunjukkan
Committee dengan membuat rencana strategis teknologi informasi (information
technology strategic plan) yang sesuai dengan rencana strategis kegiatan
usaha Bank.
The Board of Directors considers that the Information Technology
Committee performed its duties and responsibilities properly throughout
2019. This was demonstrated by preparing an information technology
strategic plan in line with the strategic plan of the Bank's business activities.
Komite Pemantau dan Direksi memandang bahwa Komite Pemantau dan Pelaksana GCG selama
Pelaksana GCG tahun 2019 telah efektif dalam membantu Direksi melakukan pengawasan
GCG Monitoring and terhadap pelaksanaan GCG di Bank.
Implementation Committee The Board of Directors considers that the GCG Monitoring and
Implementation Committee throughout 2019 had effectively assisted the
Board of Directors in monitoring the GCG implementation in the Bank.
Komite Personalia Direksi memandang bahwa Komite Personalia selama tahun 2019 efektif
HR Committee membantu Direksi dalam merumuskan kebijakan, mengawasi pelaksanaan
kebijakan, memantau perkembangan dan kondisi ketenagakerjaan,
serta memberikan saran-saran dan langkah perbaikan yang sesuai
dengan peraturan ketenagakerjaan di perbankan dan Undang-Undang
Ketenagakerjaan yang berlaku di lndonesia.
The Board of Directors views that the Personnel Committee throughout
2019 was effective in assisting the Board of Directors in formulating policies,
overseeing the implementation of policies, monitoring labor development
and condition, and providing suggestions and corrective measures in
accordance with labor regulations in banking and the Manpower Law
applicable in Indonesia.
Komite Pengadaan Sepanjang tahun 2019, Direksi menilai Komite Pengadaan telah menjalankan
Procurement Committee tugas dan tanggung jawabnya dengan baik. Hal tersebut dibuktikan dengan
memberikan masukan untuk hal-hal yang penting dan relevan dalam
perumusan kebijakan pengadaan barang dan jasa, serta memberikan
persetujuan untuk setiap pengadaan barang dan jasa.
Throughout 2019, the Board of Directors evaluated that the Procurement
Committee performed its duties and responsibilities properly. This was
evidenced by providing inputs for important and relevant matters in
formulating policies of procurement of goods and services, and providing
approval for every procurement of goods and services.


Komite Produk Kinerja Produk selama tahun 2019 dipandang Direksi baik, hal tersebut
Product Committee dibuktikan dengan Komite Product telah membantu Direksi dalam
memberikan arahan kebijakan yang berkaitan dengan pengelolaan produk
liabilities dan wealth management yang akan dan/atau telah diterbitkan
agar produk tersebut mampu bersaing dengan bank lain dan menghasilkan
keuntungan bagi Bank.
The Product Committee’s performance throughout 2019 was considered well
by the Board of Directors. This was evidenced by the Product Committee
having assisted the Board of Directors in providing policy-related directives
related to the management of liabilities and wealth management products
that will be and/or have been launched so that such products can compete
with those of other banks and generate profits for the Bank.
Komite Investasi Kinerja Investasi selama tahun 2019 dipandang Direksi baik, hal tersebut
Investment Committee dibuktikan dengan Komite Investasi telah membantu Direksi dalam
memberikan arahan kebijakan yang berkaitan dengan investasi.
The Investment Committee’s performance throughout 2019 was considered
well by the Board of Directors. This was evidenced by having the Investment
Committee assisted the Board of Directors in providing policy directives
related to investment.
Pengunduran Diri dan Pemberhentian Resignation and Discharge of Directors

Direksi
Ketentuan terkait pengunduran diri dan pemberhentian Direksi The regulation on the resignation and discharge of the Board of
Bank Victoria telah diatur dalam BOD Charter. Berdasarkan Directors of Bank Victoria has been set forth in the BOD Charter.
pedoman Direksi tersebut, seorang anggota Direksi berhak Based on the BOD Charter, a member of Directors has the right to
mengundurkan diri dari jabatannya dengan memberitahukan resign from the position by giving written notification regarding
secara tertulis mengenai maksudnya tersebut kepada Bank paling the intention to the Bank at least 30 days before the resignation
lambat 30 hari sebelum tanggal pengunduran dirinya. Anggota date. The resigning member of Directors can still be held
Direksi yang mengundurkan diri tersebut tetap dapat dimintakan accountable since the related appointment to the resignation
pertanggungjawabannya sejak pengangkatan yang bersangkutan date in the next GMS to be held.
sampai dengan tanggal pengunduran dirinya tersebut dalam
RUPS yang akan dilaksanakan berikutnya.
Sedangkan, jabatan anggota Direksi akan berakhir dengan Meanwhile, the position of member of the Board of Directors will
sendirinya, jika anggota Direktur tersebut: end automatically if the member of Directors:
1. Meninggal dunia; 1. Pass away;
2. Dinyatakan pailit atau ditaruh di bawah pengampunan 2. Declared bankrupt or put under guardianship based on a
berdasarkan suatu putusan pengadilan; court order;
3. Tidak lagi memenuhi persyaratan perundang-undangan yang 3. No longer meeting the requirements based on the applicable
berlaku, dengan memperhatikan peraturan di bidang pasar regulations, by considering regulations in capital market
modal; dan sector; and
4. Berdasarkan keputusan RUPS. 4. Discharged based on GMS resolution.

Kebijakan Remunerasi Dewan Komisaris

dan Direksi
// Remuneration Policy of Board of Commissioners and Board of Directors
Sejalan dengan ketentuan perundang-undangan yang berlaku, Bank In-line with provisions of prevailing laws and regulations,
Victoria menerapkan kebijakan remunerasi bagi Dewan Komisaris, Bank Victoria has applied remuneration policy for Board of
Direksi, dan karyawan baik yang bersifat wajib maupun yang sifatnya Commissioners, Board of Directors, and employees, for both
tambahan. Kebijakan remunerasi tersebut merupakan salah satu compulsory and supplemental remunerations. Such remuneration
aspek yang penting dalam menarik (attract), memotivasi (motivate), policy constitutes one of the most important aspects in
dan mempertahankan (retain) karyawan-karyawan terbaik dalam attracting, motivating and retaining the best employees in order
rangka penyediaan SDM yang berkualitas. Penyusunan kebijakan to provide qualified human resources. The preparation of this
remunerasi ini tidak terlepas dari kemampuan Bank serta senantiasa remuneration must take the Bank’s capacity into consideration
berlandaskan pada asas kompetitif, adil dan berbasis risiko yang and must be based on competitive, fair principles, and on risks
sejalan dengan arahan dan kebijakan dari Otoritas Jasa Keuangan. basis, which is in-line with the Financial Services Authority’s
Kebijakan tersebut juga disusun dengan berbagai pertimbangan direction and policy. Such policy was also prepared under several
yang meliputi kebutuhan likuiditas jangka pendek dan jangka considerations which include long term and short-term liquidity
panjang, kecukupan dan penguatan permodalan, aspek stabilitas requirements, capital sufficiency and strengthening, financial
keuangan, terciptanya efektivitas manajemen risiko, serta potensi stability aspect, to encourage effectiveness in risk management,
pendapatan di masa yang akan datang. and potential revenue in the future.
Dasar dan Kebijakan Remunerasi Dewan Basis and Policy of Remuneration of

Komisaris dan Direksi Board of Commissioners and Board of
Directors
Bank Victoria menetapkan kebijakan remunerasi sejalan dengan Bank Victoria applies remuneration policy in-line with the Financial
Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2015 dan Services Authority Regulation No. 45/POJK.03/2015 and Circular
Surat Edaran Otoritas Jasa Keuangan No. 40/SEOJK.03/2016 Letter of Financial Services Authority No. 40/SEOJK.03/2016
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi on Implementation of Governance in Giving Remuneration for
bagi Bank Umum, serta peraturan turunannya. Adapun Kebijakan Commercial Bank, and their derivative regulations. The Bank’s
Sistem Nominasi dan Remunerasi Bank ditetapkan berdasarkan Nomination and Remuneration System Policy is determined
Surat Keputusan Dewan Komisaris No. 001/SK-KOM/12/14 tanggal based on the Decision Letter of Board of Commissioners No. 001/
10 Desember 2014 dan telah dimutakhirkan berdasarkan Surat SK-KOM/12/14 dated 10 December 2014 and has been updated
Keputusan Dewan Komisaris No. 003/SK-KOM/09/18 tanggal under the Decision Letter of the Board of Commissioners
20 September 2018 tentang Pedoman Komite Nominasi dan No. 003/SK-KOM/09/18 dated 20 September 2018 on the
Remunerasi PT Bank Victoria International Tbk. Guidelines of the Nomination and Remuneration Committee of PT
Bank Victoria International Tbk.
Prosedur Penetapan Remunerasi Dewan Procedure to Determine Remuneration

Komisaris dan Direksi of Board of Commissioners and Board of
Directors
Prosedur penetapan remunerasi Dewan Komisaris Bank sebagai The procedure to determine remuneration of the Bank’s Board of
berikut. Commissioners is as follows.

Komite Nominasi dan

Direksi Remunerasi Dewan Komisaris RUPS
Board of Directors Nomination and Board of Commissioners GMS
Remuneration Committee
Proses pengajuan usulan jenis dan Hasil penelaahan akan dijadikan
Usulan tersebut akan ditelaah
besaran remunerasi oleh Direksi sebagai rekomendasi dan dasar RUPS memutuskan besaran
oleh Komite Remunerasi
kepada Dewan Komisaris atau oleh pertimbangan bagi Dewan remunerasi Dewan Komisaris
dan Nominasi dengan
Dewan Komisaris sendiri. Komisaris untuk diajukan dan Direksi.
mempertimbangkan indikator-
The process of presenting kepada RUPS.
indikator tertentu. GMS determines the
proposal of the types and amount The review result will be the remuneration amount for the
The proposal will be reviewed
of remuneration by the Board recommendation and basis for Board of Commissioners and
by the Nomination and
of Directors to the Board of consideration for the Board of Board of Directors.
Remuneration Committee
Commissioners or by the Board of Commissioners to be proposed
by considering specific
Commissioners. in the GMS.
indicators.
Jenis dan Indikator Penetapan Types and Indicator to Determine

Remunerasi Dewan Komisaris dan Direksi Remuneration of Board of Commissioners
and Board of Directors
Indikator penetapan remunerasi Dewan Komisaris dan Direksi Indicator to determine remuneration of Board of Commissioners
berdasarkan pada skala usaha, kompleksitas usaha, peer group, is based on the business scale, business complexity, peer group,
tingkat inflasi, kondisi dan kemampuan keuangan Bank, serta inflation rate, the Bank’s financial condition and capability, and
tidak bertentangan dengan peraturan perundang-undangan shall not be in contrary to the applicable laws and regulations.
yang berlaku. Adapun penerapan remunerasi yang bersifat Implementation of variable remuneration shall specifically
variabel secara khusus mendorong prudent risk taking serta promote the prudent risk taking and consider the most affecting
memperhatikan risiko yang paling berpengaruh dalam kegiatan risk in the business activities (the main risk). Based on the related
usaha (risiko utama). Berdasarkan peraturan dan kebijakan regulations and policies, the remuneration of the Board of
terkait, remunerasi Dewan Komisaris dan Direksi terdiri dari: Commissioners and Board of Directors consists of:
1. Remunerasi yang bersifat tetap 1. Fixed remuneration
Remunerasi ini diberikan dalam bentuk tunai dan dapat juga This remuneration is given in cash and can also be
disertai dengan pemberian remunerasi dalam bentuk tidak accompanied with non-cash remuneration provision which
tunai serta tidak dikaitkan dengan kinerja dan risiko. Adapun is not related to performance and risk. Fixed remuneration,
remunerasi yang bersifat tetap meliputi gaji pokok, fasilitas, among others, includes basic salary, facilities, housing
tunjangan perumahan, tunjangan kesehatan, tunjangan allowance, health allowance, education allowance, religious
pendidikan, tunjangan hari raya, dan pensiun. holiday allowance, and retirement plan.
2. Remunerasi yang bersifat variabel 2. Variable remuneration
Remunerasi ini dikaitkan dengan kinerja dan risiko serta This remuneration is related to the performance and risk
diberikan dalam bentuk tunai dan saham atau instrumen yang and is given in the form of cash and shares or share-based
berbasis saham yang diterbitkan Bank. Remunerasi yang instruments issued by the Bank. Variable remuneration,
bersifat variabel antara lain meliputi bonus atau bentuk lain among others, is bonus or other similar forms.
yang dipersamakan dengan itu.
Penetapan Material Risk Takers Establishing Material Risk Takers

Penentuan Material Risk Taker (MRT) dikategorikan sebagai The establishment of Material Risk Taker (MRT) is categorized as
berikut. follows.
1. MRT dapat ditentukan dengan menggunakan metode 1. MRT can be determined using qualitative method according
kualitatif sesuai dengan porsi tanggung jawab yang to the portion of responsibility that affects main risk profile
berpengaruh terhadap profil risiko utama yang akan which will be determined based on risk profile evaluation, as
ditentukan berdasarkan evaluasi profil risiko yang ditentukan determined by the Bank annually.
Bank setiap tahunnya.

2. Penentuan kategori MRT juga dapat dilakukan secara 2. MRT category can also be determined quantitatively through
kuantitatif melalui perbandingan pemberian remunerasi comparison of variable remuneration provision between
bersifat variabel antara MRT dan karyawan non-MRT dengan MRT and non MRT employees, taking into consideration
pertimbangan terhadap kinerja dan juga tingkat risiko of their performance and positional risk. Therefore, the
jabatan yang bersangkutan. Dengan demikian, maka Dewan Board of Commissioners, Board of Directors, and/or
Komisaris, Direksi, dan/atau karyawan yang memperoleh Employee receiving a high amount variable remuneration are
remunerasi yang bersifat variabel dengan nilai yang besar categorized as the MRT.
dikategorikan sebagai MRT.
Penangguhan atau Penarikan Kembali Suspension or Withdrawal of

Remunerasi Remuneration
Apabila Bank mengalami kerugian, Bank dapat tidak membagikan If the Bank suffers a loss, the Bank may not distribute relatively
remunerasi yang bersifat variabel dengan nilai yang relatif kecil small amounts variable remunerations and may withdraw the
serta menarik kembali remunerasi yang bersifat variabel yang variable remuneration which have already been paid (clawback)
sudah dibayarkan (clawback) kepada pihak yang menjadi MRT, from the parties being an MRT, such as Board of Commissioners
seperti Dewan Komisaris dan Direksi. Beberapa kondisi bank yang and Board of Directors. Several conditions in the Bank which may
menyebabkan penangguhan atau penarikan kembali remunerasi cause variable remuneration suspension or clawback are:
yang bersifat variabel adalah:
1. Bank mengalami kerugian; 1. The Bank is suffering a loss;
2. Terjadinya risiko yang berdampak negatif terhadap keuangan 2. An occurrence of risk which negatively impacts the Bank
Bank; financially;
3. Terjadi fraud yang dilakukan oleh pihak yang menjadi MRT 3. A fraud committed by a party who is an MRT, which is
yang merugikan Bank; dan/atau detrimental to the Bank; and/or
4. Kondisi lainnya. 4. Other conditions.
Besarnya persentase penangguhan pembayaran disesuaikan The percentage of deferred payment is based on the Bank’s
dengan kriteria stabilitas keuangan Bank, kecukupan dan financial stability criteria, adequacy and strengthening of the
penguatan permodalan Bank, kebutuhan likuiditas jangka pendek Bank’s capital, short-term and long-term liquidity requirements,
dan jangka panjang, potensi pendapatan di masa yang akan datang, potential future revenue, and key risks faced by the Bank.
serta risiko utama yang dihadapi Bank. Sementara itu, jangka Meanwhile, suspension period of remuneration payment is at
waktu penangguhan pembayaran remunerasi minimal 3 (tiga) tahun least 3 (three) years and can be adjusted to the time horizon of risk.
dan dapat disesuaikan dengan jangka waktu risiko (time horizon Therefore, the Board of Commissioners and Board of Directors
of risk). Oleh sebab itu, Dewan Komisaris dan Direksi dilarang are prohibited to conduct hedging against the suspended variable
melakukan lindung nilai atas remunerasi yang bersifat variabel remuneration.
yang ditangguhkan.
Kaitan Remunerasi dengan Risiko dan Remuneration in Connection with Risk

Kinerja and Performance
Penetapan remunerasi yang bersifat variabel bagi Dewan The determination of variable remuneration for the Board of
Komisaris dan Direksi disesuaikan dengan risiko utama yang Commissioners and Board of Directors is adjusted to the main risks
dihadapi Bank, serta perubahannya. Dalam praktiknya, apabila faced by the Bank and their changes. In practice, if the Bank suffers
terjadi risiko utama, maka remunerasi Dewan Komisaris dan the main risks, the remuneration for the Board of Commissioners
Direksi sebagai MRT akan mendapat pengaruh. and Board of Directors as the MRT will be affected.
Penetapan remunerasi Dewan Komisaris dan Direksi yang bersifat Determination of Variable Remuneration for Board of Commissioners
variabel disesuaikan juga dengan pengukuran kinerja individu dan and Board of Directors is also adjusted according to assessment on
kolegial oleh Dewan Komisaris dan Direksi. Hasil pengukuran individual and collegial performance by the Board of Commissioners and
kinerja Dewan Komisaris dan Direksi dijadikan pertimbangan Board of Directors. The performance measurement results of the Board
bagi Komite Nominasi dan Remunerasi dalam memberikan of Commissioners and Board of Directors become a consideration
masukan/rekomendasi kepada Dewan Komisaris terkait besaran for the Nomination and Remuneration Committee in providing input/
remunerasi yang layak diterima. Selanjutnya, rekomendasi recommendation to the Board of Commissioners regarding proper
tersebut disampaikan pada saat RUPS oleh Dewan Komisaris. remuneration amount. Thereafter, such recommendation will be
submitted at the GMS by The Board of Commissioners

Struktur dan Besaran Remunerasi Dewan Remuneration Structure and Amount of

Komisaris dan Direksi Board of Commissioners and Board of
Directors
Remunerasi Dewan Komisaris dan Direksi diberikan secara Remuneration of Board of Commissioners and Board of Directors
tunai ataupun non tunai, yakni dalam bentuk natura (rumah dan may be provided in the form of cash or non-cash, i.e in the form of
kendaraan dinas, serta bentuk lainnya yang dapat dimiliki maupun natura facilities (house and official vehicle, and other forms that
tidak dapat dimiliki) dan saham. Adapun, komponen remunerasi may be owned or not) or shares. Remuneration component of the
Dewan Komisaris dan Direksi terdiri: Board of Commissioners and Board of Directors consists of:
1. Remunerasi yang bersifat tetap, meliputi: 1. Fixed remuneration includes:
a. Honorarium; a. Honorarium;
b. Benefit sesuai dengan ketentuan Bank, seperti asuransi b. Benefits in accordance with the Bank’s regulation, such
kesehatan, kendaraan dinas, BPJS Ketenagakerjaan, dan as health insurance, official vehicle, BPJS Employment,
tunjangan hari raya (THR); dan and religious holiday allowance (THR); and
2. Remunerasi yang bersifat variabel, meliputi tantiem/ 2. Variable remuneration includes bonuses/gratification and
gratifikasi dan saham. shares.
Dalam menetapkan remunerasi, terdapat perbedaan besaran In determining the remuneration, there is difference between
remunerasi yang diterima Dewan Komisaris dan Direksi. amount to be received by the Board of Commissioners and
Perbedaan besaran remunerasi yang bersifat variabel tersebut amount to be received by Board of Directors. Difference in
disesuaikan dengan kinerja dan tingkat tugas dan tanggung jawab variable remuneration amount is adjusted according to the
Dewan Komisaris dan Direksi. performance and level of duties and responsibilities between
Board of Commissioners and Board of Directors.
Berikut Informasi secara rinci mengenai remunerasi Dewan The following is a detailed information on remuneration for Board
Komisaris dan Direksi Bank. of Commissioners and Board of Directors of the Bank.

Jenis Remunerasi Board of Commissioners Board of Director
Type of Remuneration Orang Jumlah (Rp) Orang Jumlah (Rp)
Persons Amount (Rp) Persons Amount (Rp)
Remunerasi Bersifat Tetap (Gaji dan THR)
3 2,861,564,597 5 12,085,016,395
Fixed Remuneration (Salary and THR)
Remunerasi Bersifat Variabel (Bonus)

3 - 5 -
Variable Remuneration (Bonus)
Total 2,861,564,597 12,085,016,395
Remunerasi Dewan Komisaris dan Direksi Berdasarkan Bentuk

Remuneration of Board of Commissioners and Board of Directors Based on Form

Bentuk Remunerasi Board of Commissioners Board of Director
Form of Remuneration Orang Jumlah (Rp) Orang Jumlah (Rp)
Persons Amount (Rp) Persons Amount (Rp)
Remunerasi Dalam Bentuk Tunai 3 2,861,564,597 5 12,085,016,395
Remuneration in Cash
Remunerasi Dalam Bentuk Natura 2 721,459,375 4 1,754,356,250

Remuneration in Nature
Remunerasi Dalam Bentuk Saham - - - -

Remuneration in Shares
Total 3,583,023,972 13,839,372,645

Kelompok Remunerasi Dewan Komisaris dan Direksi

Remuneration Group of Board of Commissioners and Board of Directors
Jumlah Dewan Komisaris Jumlah Direksi

Jumlah Remunerasi (orang) (orang) Total Remuneration
dalam Setahun Total Board of Commissioners Total Board of Directors in a Year
(people) (people)
Di atas Rp 2 miliar - 3 Above Rp2 billion
Di atas Rp 1 miliar - Rp 2 miliar 1 2 Above Rp1 billion - Rp2 billion
Di atas Rp 500 juta - Rp 1 miliar 2 - Above Rp500 million - Rp1 billion
Di bawah Rp 500 juta - - Below Rp500 million
Remunerasi yang Ditangguhkan Suspended or Withdrawn Remuneration

atau Ditarik Kembali
Selama tahun 2019, tidak terdapat remunerasi Dewan Komisaris Throughout 2019, there was no suspended or withdrawn remuneration
dan Direksi yang ditangguhkan atau ditarik kembali. for the Board of Commissioners and Board of Directors.
Pengungkapan Bonus Kinerja, Disclosure of Performance Bonus, Non-

Bonus Non Kinerja dan Opsi Saham Performance Bonus, and Stock Option
Selain remunerasi, Bank Victoria juga memberikan bonus kinerja, In addition to remuneration, Bank Victoria also provides
bonus non kinerja, dan opsi saham kepada Dewan Komisaris dan performance bonus, non-performance bonus, and stock option to
Direksi. Pada tahun 2019, Dewan Komisaris dan Direksi tidak the Board of Commissioners and Board of Directors. In 2019, the
menerima bonus kinerja, bonus non kinerja, dan opsi saham. Board of Commissioners and Board of Directors did not receive
performance bonus, non-performance bonus, and stock option.
Rasio Gaji Tertinggi dan Terendah Ratio of Highest and Lowest Salary
Kesesuaian rasio gaji Dewan Komisaris, Direksi, dan The Bank pays attention to the conformity of salary ratios of the
seluruh karyawan Bank menjadi perhatian Bank dengan Board of Commissioners, Board of Directors, and all employees of
mempertimbangkan tingkat tugas dan tanggung jawab yang the Bank to the mandated duties and responsibilities. The salary
diemban. Rasio gaji di Bank Victoria ditunjukkan sebagai berikut. ratios at Bank Victoria are shown below.
Uraian Rasio
Description Ratio
Gaji Tertinggi dan Terendah Dewan Komisaris
2:1
Highest and Lowest Salary of Board of Commissioners
Gaji Tertinggi dan Terendah Direksi

2:1
Highest and Lowest Salary of Board of Directors
Gaji Tertinggi dan Terendah Karyawan

20 : 1
Highest and Lowest Salary of Employees
Gaji Tertinggi Direksi dan Gaji Tertinggi Karyawan

2:1
Highest Salary of Board of Directors and Highest Salary of Employees
Informasi Lain terkait Tata Kelola Other Information Related to

Remunerasi Remuneration Governance
Selama tahun 2019, tidak terdapat perselisihan internal di Bank Throughout 2019, there wasn’t any internal conflict in Bank
Victoria yang berkaitan dengan intervensi pemilik, perselisihan Victoria related to owner intervention, internal conflict, nor was
internal atau permasalahan yang timbul sebagai dampak there any problem arising as an impact of remuneration policy in
kebijakan remunerasi pada Bank. the Bank.

Organ Pendukung Dewan Komisaris

// Board of Commissioners Supporting Organs
Dewan Komisaris Bank Victoria menjalankan tugas dan tanggung Board of Commissioners of Bank Victoria carries out its duties
jawabnya dengan dibantu oleh organ pendukung, yaitu Sekretaris and responsibilities with assistance from supporting organs,
Dewan Komisaris dan Komite Penunjang, yaitu Komite Pemantau namely Secretary of Board of Commissioners and Supporting
Risiko, Komite Nominasi dan Remunerasi, Komite Audit, serta Committees, namely Risk Monitoring Committee, Nomination
Komite Tata Kelola Terintegrasi. Peran masing-masing Komite and Remuneration Committee, Audit Committee, and
Dewan Komisaris diuraikan sebagai berikut. Integrated Governance Committee. The roles of each Board of
Commissioners’ Committee are as described below.
Sekretaris Dewan Komisaris Secretary of Board of Commissioners

Sekretaris Dewan Komisaris bertugas membantu pelaksanaan Secretary of Board of Commissioners is in charge of assisting
tugas dan tanggung jawab Dewan Komisaris serta bertanggung the duties and responsibilities of the Board of Commissioners
jawab kepada Dewan Komisaris. Selain itu, Sekretaris Dewan and reports to the Board of Commissioners. Furthermore, the
Komisaris berperan dalam menjalin komunikasi internal dan Secretary of Board of Commissioners has a role in building
eksternal serta koordinasi dengan Sekretaris Perusahaan terkait internal and external communication as well as coordinating with
kesekretariatan antara Dewan Komisaris dengan manajemen the Corporate Secretary related to secretarial matters between
Bank Victoria. Board of Commissioners and management of Bank Victoria.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of the Secretary of the
Berikut uraian tugas dan tanggung jawab Sekretaris Dewan Duties and responsibilities of Secretary of the Board of
Komisaris beserta realisasinya. Commissioners and the realization are:

Membantu Dewan Komisaris dalam menjaga agar pelaksanaan BOC Charter, Sekretaris Dewan Komisaris telah menjaga pelaksanaan BOC Charter
secara teknis, dapat dilakukan dengan tertib. berjalan dengan tertib.
To help the Board of Commissioners in maintaining the implementation of Secretary of the Board of Commissioners has sustained an orderly
BOC Charter technically, so that it can be conducted in an orderly manner. implementation of BOC Charter.
Mengatur terselenggaranya rapat Dewan Komisaris. Mengkomunikasikan pelaksanaan rapat internal Dewan Komisaris, rapat
To manage the implementation of meetings of Board of Commissioners. Dewan Komisaris dengan Direksi, serta rapat Komite-Komite Dewan
Komisaris.
To communicate the implementation of internal meetings of the Board
of Commissioners, Board of Commissioners meetings with the Board of
Directors, and meetings of Committees of the Board of Commissioners.
Menyiapkan risalah rapat untuk disahkan dalam rapat berikutnya. Selama penyelengaraan rapat Dewan Komisaris pada tahun 2019, Sekretaris
To prepare minutes of meeting to be validated in the next meeting. Dewan Komisaris selalu menyiapkan risalah rapat.
During meetings of Board of Commissioners in 2019, Secretary of Board of
Commissioners had constantly prepared minutes of meeting.
Menyiapkan laporan tentang pelaksanaan keputusan rapat guna dikaji Selama tahun 2019, Sekretaris Dewan Komisaris selalu menyiapkan laporan
dalam rapat berikutnya. pelaksanaan putusan rapat.
To prepare report on the implementation of meeting resolutions in order to Throughout 2019, Secretary of Board of Commissioners had constantly
be reviewed in the next meeting. prepared report on implementation of meeting resolutions.
Menjaga kerahasiaan seluruh dokumen yang menurut sifatnya harus Sekretaris Dewan Komisaris selalu memastikan terjaganya kerahasiaan
dirahasiakan. seluruh dokumen yang menurut sifatnya harus dirahasiakan.
To maintain the confidentiality of all documents that must be confidential Secretary of the Board of Commissioners always ensures the confidentiality
in nature. of all documents which by their nature must be kept confidential.

Komite Pemantau Risiko Risk Monitoring Committee

Komite Pemantau Risiko merupakan organ pendukung Dewan The Risk Monitoring Committee is a supporting organ of the Board
Komisaris yang berfungsi memonitor risiko dan menilai toleransi of Commissioners that functions to monitor risk and assess risk
risiko yang dapat diambil oleh Bank, mengevaluasi perbaikan yang tolerance that may be undertaken by the Bank, and evaluate the
dilakukan atas kebijakan, prosedur dan praktik manajemen risiko remediation performed on the Bank’s risk management policies,
Bank guna memastikan telah dilakukannya pengelolaan risiko procedures and practices to ensure prudent risk management,
dengan baik, terutama pada pengelolaan risiko kredit, risiko particularly in the management of credit risk, market risk, solvency
pasar, risiko likuiditas, risiko operasional, dan risiko bank lainnya. risk, operational risk, and other bank risks.
Komite Pemantau Risiko dibentuk berdasarkan peraturan sebagai Risk Monitoring Committee is established based on the following
berikut. regulations.
1. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 1. Circular of the Financial Services Authority No. 13/
tanggal 17 Maret 2017 tentang Penerapan Tata Kelola bagi SEOJK.03/2017 dated 17 March 2017 on Implementation of
Bank Umum; Governance for Commercial Banks;
tanggal 17 Maret 2017 tentang Penilaian Kesehatan Bank SEOJK.03/2017 dated 17 March 2017 on Commercial Bank
Umum; Health Assessment;
3. Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 tanggal 3. Regulation of the Financial Services Authority No. 4/
26 Januari 2016 tentang Penilaian Kesehatan Bank Umum; POJK.03/2016 dated 26 January 2016 on Commercial Bank
Health Assessment;
4. Peraturan Otoritas jasa Keuangan No. 55/POJK.03/2016 4. Regulation of the Financial Services Authority No. 55/
tanggal 7 Desember 2016 tentang Tata Kelola bagi Bank Umum; POJK.03/2016 dated 7 December 2016 on Implementation of
Governance for Commercial Banks;
5. Undang-Undang No. 21 tahun 2001 tanggal 22 November 2011 5. Law No. 21 of 2001 dated 22 November 2011 on the Financial
tentang Otoritas Jasa Keuangan; Services Authority;
6. Undang-Undang No. 6 tahun 2009 tanggal 13 Januari 2009 6. Law No. 6 of 2009 dated 13 January 2009 on Implementation
tentang Penerapan Peraturan Pemerintah Pengganti Undang- of Government Regulation in lieu of Law No.2 of 2008 on the
Undang No. 2 tahun 2008 tentang Perubahan Kedua atas Second Amendment to Law No. 23 of 1999 on Bank Indonesia
Undang-Undang No. 23 tahun 1999 tentang Bank Indonesia; dan to Law; and
7. Undang-Undang No. 40 tahun 2007 tanggal 16 Agustus 2007 7. Law No. 40 of 2007 dated 16 August 2007 on Limited Liability
tentang Perseroan Terbatas. Companies.
Pedoman Komite Pemantau Risiko Guidelines of Risk Monitoring Committee

Komite Pemantau Risiko Bank telah memiliki Piagam dan Pedoman Risk Monitoring Committee owns a Work Charter and Guidelines
Kerja dalam melaksanakan tugas dan tanggung jawabnya. Piagam in performing its duties and responsibilities. Such Charter is
tersebut disusun berdasarkan peraturan perundang-undangan compiled under laws and regulations in effect and to be reviewed
yang berlaku serta ditinjau ulang secara berkala. Pedoman periodically. Work Guidelines of Risk Monitoring Committee
Kerja Komite Pemantau Risiko telah dimutakhirkan melalui have been updated by Board of Commissioners’ Decision
Keputusan Dewan Komisaris No. 001/SK-KOM/12/17 tanggal Letter No. 001/SK-KOM/12/17 dated 8 December 2017 on the
8 Desember 2017 tentang Piagam dan Pedoman Kerja Komite Charter and Work Guidelines of Risk Monitoring Committee of
Pemantau Risiko PT Bank Victoria International Tbk. Uraian PT Bank Victoria International Tbk. More description on the
lebih jelas mengenai isi Piagam Komite Pemantau Risiko Bank content of Bank Victoria’s Risk Monitoring Committee Charter
Victoria dapat dilihat pada situs web Bank bagian Tata Kelola can be viewed on the Bank’s website on Governance section
(http://www.victoriabank.co.id/wp-content/uploads/2018/05/ (http://www.victoriabank.co.id/wp-content/uploads/2018/05/
001SKKOM1217.pdf). 001SKKOM1217.pdf).
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of Risk Monitoring
Risiko Committee
Tugas dan tanggung jawab Komite Pemantau Risiko Bank Victoria Duties and responsibilities of Bank Victoria’s Risk Monitoring
beserta realisasinya diuraikan sebagai berikut. Committee and the realization are explained below.


Melakukan pengkajian ulang dan memberikan rekomendasi atas efektivitas Komite Pemantau Risiko telah melakukan penelaahan dan memberikan
pelaksanaan manajemen risiko Bank melalui pertemuan secara berkala rekomendasi atas beberapa parameter risiko internal dan kualitas
maupun cara lainnya untuk membahas progres dari tahapan-tahapan tugas penerapan manajemen risiko bank seperti, profil risiko secara individu dan
dan tanggung jawab yang dilakukan oleh Satuan Kerja Manajemen Risiko. risk based bank rating (RBBR).
Review and provide recommendations on the effectiveness of the Bank’s The Risk Monitoring Committee has reviewed and provided recommendation
risk management implementation through regular meetings or other of several internal risk parameters and the implementation quality of the
methods to discuss the progress of tasks and responsibilities carried out by Bank’s risk management such as individual risk profile and risk-based bank
the Risk Management Work Unit. rating (RBBR).
Melakukan pengkajian ulang atas penilaian risiko oleh Satuan Kerja Komite Pemantau Risiko telah melakukan 5 (lima) rapat bersama Komite
Manajemen Risiko. Tata Kelola Terintegrasi. Rapat ini membahas tentang:
Review the risk assessment performed by the Risk Management Work Unit. 1. Profil risiko bulan Januari 2019 dan implementasi risk registered;
2. Profil risiko bulan Maret 2019 perubahan risk appetite dan beberapa parameter;
3. Kebijakan baru Bank Indonesia dan Otoritas Jasa Keuangan; temuan
Otoritas Jasa Keuangan 2019; risk based bank rating (RBBR) posisi
September 2019; perkembangan proyek lntegrated operational risk
register (IORR);
4. Membahas Anti Pencucian Uang (APU) dan Pencegahan Pendanaan
Terorisme (PPT); dan
5. Membahas laporan perkembangan proyek risk registered.
The Risk Monitoring Committee held 5 (five) meetings with the Integrated
Governance Committee. These meetings discussed about:
1. Risk profile of January 2019 and implementation of risk registered;
2. Risk profile of March 2019, changes in risk appetite, and several
parameters;
3. New policies from Bank Indonesia and Financial Services Authority; 2019
findings of Financial Services Authority; risk-based bank rating (RBBR)
for September 2019 position; development of integrated operational risk
register (IORR) projects;
4. Discussing Anti-Money Laundering (APU) and Prevention of Terrorism
Funding (PPT); and
5. Discussing progress report on risk registered projects.
Melakukan pengawasan atas kegiatan Satuan Kerja Manajemen Risiko Komite Pemantau Risiko telah mengawasi kegiatan Divisi Risk Management/
dalam memantau pelaksanaan mitigasi risiko oleh unit-unit kerja terkait. Integrated, antara lain:
Oversee activities of the Risk Management Work Unit in monitoring the 1. Pelaporan Profil Risiko secara Individu; dan
implementation of risk mitigation by related work units. 2. Risk based bank rating (RBBR);
The Risk Monitoring Committee has overseen the activities of the Risk
Management/Integrated Division, among others:
1. Individual Risk Profile Reporting; and
2. Risk based bank rating (RBBR);
Melakukan pengawasan atas pelaksanaan rekomendasi Komite oleh Satuan Komite Pemantau Risiko telah melaksanakan pengawasan rekomendasi,
Kerja Manajemen Risiko. seperti:
Oversee the implementation of the Committee’s recommendations by the 1. Penjelasan pada inheren maupun KPMR agar sejalan dengan fluktuasi
Risk Management Work Unit. yang terjadi pada nilai profil risiko masing-masing;
2. Perubahan risk oppetite agar dipastikan dan dianalisa bahwa perubahan
tersebut tidak membawa dampak risiko bagi Bank; dan
3. Permasalahan ketergantungan terhadap satu programmer information
teknologi (key man exposure) harus ada tindak lanjut solusinya oleh
manajemen.
The Risk Monitoring Committee has implemented the recommended
monitoring, such as:
1. Explanation on inherent and Risk Management Monitoring Committee
should be in line with the fluctuations occurring in each risk profile value;
2. Ensuring and analyzing that changes in risk appetite do not have a risk
impact for the Bank; and
3. Dependency problem on one information technology programmer
(key man exposure), which must be followed-up for solution by the
Management.
Melakukan analisis dan evaluasi atas usulan Rencana Kegiatan dan Anggaran Pada tahun 2019, Komite Pemantau risiko telah melakukan analisis dan
Bank serta pengkajian ulang tahunan atas rencana jangka panjang Bank evaluasi rencana kegiatan dan anggaran Bank, serta pengkajian ulang
yang diajukan oleh Direksi, termasuk usulan setoran modal dan rencana tahunan atas rencana jangka panjang Bank.
investasi di Entitas Anak Bank. In 2019, Risk Monitoring Committee had performed an analysis and
Perform analysis and evaluation of Bank Activity and Budget Plan proposal, evaluation on the Bank’s activities plan and budget, and performed annual
as well as annual review of the Bank’s Long Term Plan submitted by the reassessment on the Bank’s long term plan.
Board of Directors, including proposed paid-in capital and investment plans
in the Bank’s Subsidiaries.


Melakukan penelaahan atas informasi risiko dan manajemen risiko Bank Komite Pemantau Risiko telah melakukan penelaahan dan memberikan
dalam laporan-laporan yang akan dipublikasikan, melalui proses: rekomendasi atas profil risiko posisi Desember 2018, strategi action plan
1. Diskusi bersama dengan Manajemen; dan target date rencana kerja 2019, Risk Based Bank Rating (RBBR), kualitas
2. Pengkajian ulang atas draft dari laporan yang akan dipublikasikan; kredit dan konsentrasi kredit, rasio AYDA dan risk registered.
3. Melakukan pembahasan atas risiko-risiko penting pada unit-unit di lingkungan The Risk Monitoring Committee has reviewed and provided a
Bank, sesuai kebutuhan, termasuk risiko pada perjanjian dengan pihak ketiga recommendation on the risk profile for December 2018 position; strategic
yang dalam lingkup kewenangan pengawasan Dewan Komisaris; dan action plans and target date of 2019 work plan; Risk Based Bank Rating
4. Melakukan self evaluation dan self improvement terhadap efektivitas (RBBR); credit quality and credit concentration; AYDA ratio and risk
pelaksanaan tugas Komite dan memutakhirkan secara periodik Piagam dan registered.
Pedoman Kerja Komite Pemantau Risiko (Risk Monitoring Committe Charter).
Review risk information and Bank risk management in reports to be
published, through:
1. Discussions with Management;
2. Review draft of report to be published;
3. Discuss important risks in units within the Bank’s circle, as required,
including risks on agreements with third parties, within the scope of the
Board of Commissioners’ supervisory capacity; and
4. Perform self evaluation and self improvement on the effectiveness of its
duties, and periodically update the Risk Monitoring Committee’s Charter.
Wewenang Komite Pemantau Risiko Risk Monitoring Committee Authority

Dalam melaksanakan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Committee has
Pemantau Risiko memiliki hak akses yang tidak terbatas kepada unlimited access rights to Management, Executive Officers, all
manajemen, pejabat eksekutif, seluruh karyawan dan catatan Bank, employees and Bank records, including internal and external audit
termasuk laporan hasil audit internal maupun eksternal, laporan reports, internal and external rating reports, expert consultant
hasil rating internal maupun eksternal, laporan konsultan ahli, reports, insofar as they are intended for discussion within the
sepanjang bertujuan untuk kepentingan pembahasan dalam komite. Committee. Whereas, the Risk Monitoring Committeee has the
Sedangkan, wewenang Komite Pemantauan Risiko adalah untuk: authority to:
1. Menguji kesesuaian antara Kebijakan manajemen risiko 1. Assay the compatibility between Risk Management Policy and
dengan pelaksanaan kebijakan tersebut; implementation of the policy;
2. Memantau dan menganalisis pelaksanaan tugas Satuan Kerja 2. Monitor and analyze tasks implementation of the Risk
Manajemen Risiko; Management Work Unit;
3. Menyelidiki setiap kegiatan atau fungsi dan aktivitas Bank, 3. Investigate each and every action or function and activity of
sepanjang dalam lingkup bidang manajemen risiko seusai the Bank, as long as it is within the scope of Risk Management
dengan piagam; in accordance with this Charter;
4. Membuat rekomendasi kepada Dewan Komisaris mengenai 4. Provide recommendations to the Board of Commissioners
tindakan yang tepat yang dihasilkan dari kajian dan regarding appropriate actions resulting from the
penyelidikan tersebut; dan aforementioned review and investigation; and
5. Meminta pendapat ahli eksternal, guna mendapatkan saran 5. Seek the opinion of external experts, to obtain independent
independen untuk kepentingan Bank, dengan syarat anggota advice for the benefit of the Bank, provided that the
komite harus memohon izin pada Ketua Komite terlebih Committee member must request prior approval from the
dahulu dan/atau komite memutuskan perlunya ahli eksternal. Chairman of the Committee and / or the Committee regarding
the need for an external expert.
Komposisi Komite Pemantau Risiko Composition of Risk Monitoring Committee

Komposisi Komite Pemantau Risiko Bank Victoria paling sedikit The Composition of Risk Monitoring Committee of Bank Victoria
terdiri dari: consists of at least:
1. Seorang Komisaris Independen yang menjabat sebagai Ketua 1. An Independent Commissioner serving as Chairman of the
Komite; Committee;
2. Seorang dari pihak independen yang memiliki keahlian di 2. A person from an independent party who has expertise in
bidang keuangan atau akuntansi; dan finance or accounting; and
3. Seorang dari pihak independen yang memiliki keahlian di 3. A person from an independent party who has expertise in law
bidang hukum atau perbankan. or banking.
Masa tugas Komite Pemantau Risiko yang bukan merupakan The term of duty of the Risk Monitoring Committee that is not a
anggota Dewan Komisaris tidak lebih lama dari masa jabatan member of the Board of Commissioners is no longer than the term of
Dewan Komisaris dengan tidak mengurangi hak Dewan Komisaris office of the Board of Commissioners by not reducing the right of the
untuk memberhentikan. Masa tugas anggota Dewan Komisaris Board of Commissioners to dismiss. The term of office of members

yang merangkap sebagai anggota Komite Pemantau Risiko, of the Board of Commissioners who also serves as a member of the
sama dengan masa kerja penunjukannya sebagai anggota Dewan Risk Monitoring Committee is the same as the term of office of his
Komisaris yang ditentukan oleh RUPS. appointment as a member of the Board of Commissioners determined
by the General Meeting of Shareholders (GMS).
Periode 9 Maret 2018 - 13 September 2019 Period of 9 March 2018 - 13 September 2019
Struktur dan keanggotan Komite Pemantau Risiko periode 9 Structure and membership of the Risk Monitoring Committee
Maret 2018 - 13 September 2019 yang diangkat berdasarkan for the period of 9 March 2018 - 13 September 2019, which was
Keputusan Direksi No. 002/SK-DIR/03/18 tanggal 9 Maret 2018 appointed based on Board of Director’s Decision No. 002/SK-
sebagai berikut. DIR/03/18 dated 9 March 2018 as follows.
Nama Jabatan Keterangan Keahlian

Name Position Description Expertise
Komisaris/Komisaris
Ketua Independen Perbankan, Manajemen Risiko dan Good Corporate Governance.
Zaenal Abidin, PhD
Chairman Commissioner/Independent Banking, Risk Management, and Good Corporate Governance.
Commissioner
Anggota Komisaris Utama Perbankan dan Audit.

Oliver Simorangkir
Member President Commissioner Banking and Audit.
Anggota Pihak Independen Perbankan dan Audit.

Member Independent Party Banking and Audit.
Anggota Pihak Independen Manajemen Risiko dan Perbankan

Teguh Sukaryanto
Member Independent Party Risk Management and Banking
Periode 13 September 2019 - Sekarang September 13, 2019 – Present

Struktur dan keanggotan Komite Pemantau Risiko periode 13 The structure and membership of the Risk Oversight Committee for
September 2019 - sekarang yang diangkat berdasarkan Keputusan September 13, 2019 - present that appointed based on the Board of
Direksi No. 005/SK-DIR/09/19 tanggal 13 September 2019 sebagai Directors Decree No. 005/SK-DIR/09/19 dated September 13, 2019
berikut. are as follows.

Komisaris/Komisaris
Ketua Independen Perbankan, Manajemen Risiko dan Good Corporate Governance.
Zaenal Abidin, PhD
Chairman Commissioner/Independent Banking, Risk Management, and Good Corporate Governance.
Commissioner
Anggota Komisaris Utama Perbankan dan Audit.

Oliver Simorangkir
Member President Commissioner Banking and Audit.
Anggota Pihak Independen Perbankan dan Audit.

Member Independent Party Banking and Audit.
Anggota Pihak Independen Manajemen Risiko dan Perbankan.

Yozef Abdulrachman
Member Independent Party Risk Management and Banking.
Komite Pemantau Risiko Bank Victoria telah memenuhi kriteria Bank Victoria’s Risk Monitoring Committee has met the criteria of
dalam pendidikan dan juga memiliki pengalaman yang mendukung education and also experiences that support the implementation of
pelaksanaan kinerjanya. Kualifikasi Pendidikan dan pengalaman its performance. Qualification of education and work experience of
kerja Komite Pemantau Risiko dapat dilihat pada bab Profil the Risk Monitoring Committee can be seen in the Company Profile
Perusahaan dalam Laporan Tahunan ini. chapter of this Annual Report.
Keanggotaan Komite Pemantau Risiko telah memenuhi ketentuan Composition of Risk Monitoring Committee has satisfied the
Peraturan Otoritas Jasa Keuangan No. 55/POJK.03/2016 tanggal provisions of Financial Services Authority Regulation No. 55/
7 Desember 2016 tentang Tata Kelola Bagi Bank Umum, Surat POJK.03/2016 dated 7 December 2016, on Governance for
Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tanggal Commercial Banks, and Financial Services Authority Circular No.
17 Maret 2017 tentang Penerapan Tata Kelola Bagi Bank Umum, 13/SEOJK.03/2017 dated 17 March 2017, on Implementation of
dan Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 Governance for Commercial Banks, and Financial Services Authority
tanggal 17 Maret 2017 tentang Penilaian Kesehatan Bank Umum. Circular No. 14/SEOJK.03/2017 dated 17 March 2017 on Sound Level
Assessment of Commercial Banks.

Independensi Komite Pemantau Risiko Risk Monitoring Committee’s Independence

Komite Pemantau Risiko Bank Victoria menjalankan tugas dan The Risk Monitoring Committee of Bank Victoria has executed
tanggung jawabnya secara profesional dan independen, tanpa its duties and responsibilities professionally and independently,
intervensi dari organ tata kelola Bank lainnya. Pelaksanaan tugas without intervention from other Bank governance body. The
tersebut dilakukan sesuai dengan strategi, target, visi dan misi execution of duties has been conducted in line with the Bank’s
Bank, semata-mata hanya untuk kepentingan Bank. strategies, targets, vision and mission, solely for the Bank’s interest.
Seluruh anggota Komite Pemantau Risiko tidak memiliki kaitan All members of the Risk Monitoring Committee have no relation
dengan Dewan Komisaris, Direksi, serta Pemegang Saham Utama with the Board of Commissioners, Board of Directors, also Main
dan Pengendali yang dapat menimbulkan dampak negatif ataupun and Controlling Shareholders that may cause negative impacts
benturan kepentingan (conflict of interest). Aspek independensi or conflict of interest. The independence aspect of the Risk
Komite Pemantau Risiko dijelaskan sebagai berikut. Monitoring Committee is explained as follows.
Retno
Zaenal Oliver Teguh Yozef
Aspek Independensi Dwijanti Independence Aspect
Abidin, PhD Simorangkir Sukaryanto* Abdulrachman**
Widaningsih
Tidak memiliki hubungan Does not have financial
keuangan dengan Dewan relationship with the
Komisaris, Direksi, serta √ √ √ √ √ Board of Commissioners,
Pemegang Saham Utama Board of Directors, and
dan Pengendali. Main and Controlling
Shares.
Tidak memiliki hubungan Does not have share

kepemilikan saham di √ √ √ √ √ ownership relationship in
Bank, baik secara langsung the Bank, either directly
maupun tidak langsung. or indirectly.
Tidak memiliki hubungan Does not have

kepengurusan di Bank, √ √ √ √ √ management relationship
Entitas Anak, maupun in the Bank, Subsidiary,
perusahaan afiliasi. and affiliated company.
Tidak memiliki hubungan Does not have family

keluarga dengan Dewan relationship with the Board
Komisaris, Direksi, of Commissioners, Board
Pemegang Saham Utama √ √ √ √ √ of Directors, Main and
dan Pengendali, dan/atau Controlling Shareholders,
sesama anggota Komite and/or among members
Pemantau Risiko. of Risk Monitoring
Committee.
Tidak menjabat sebagai Does not hold position

pengurus partai politik, √ √ √ √ √ as administrator of
pejabat, dan pemerintah. political party, state, and
government.
* Mengundurkan diri efektif per 12 September 2019. / Resigned effectively as of 12 September 2019.
** Efektif menjabat pada 13 September 2019 / Start of effective term of office as of 13 September 2019.
Rapat Komite Pemantau Risiko Meeting of Risk Monitoring Committee

Kebijakan Rapat Komite Pemantau Risiko Policy of Risk Monitoring Committee’s Meeting
Rapat Komite Pemantau Risiko sebagaimana diatur dalam The Meetings of the Risk Monitoring Committees as regulated
Piagam Komite Pemantau Risiko diselenggarakan sesuai in the Risk Monitoring Committee Charter are hold based
dengan kebutuhan dengan dipimpin langsung oleh Ketua on the needs and directly chaired by the Chairman of Risk
Komite Pemantau Risiko. Dalam pengambilan keputusan rapat, Monitoring Committee. In making decision in the meeting, the
Komite Pemantau Risiko selalu mengedepankan musyawarah Risk Monitoring Committee always prioritizes deliberations for
mufakat. Hasil dari rapat dituangkan dalam risalah rapat dan consensus. The meeting result is written in minutes of meetings
didokumentasikan dengan baik. and well-documented.
Frekuensi dan Kehadiran Rapat Komite Pemantau Risk Monitoring Committee Meeting Frequency
Risiko And Attendance
Pada tahun 2019, Komite Pemantau Risiko telah melakukan rapat During 2019, the Risk Monitoring Committee held 5 (five)meetings
sebanyak 5 (lima) kali dengan tingkat kehadiran rata-rata rapat with the meeting’s average attendance level of 100.00%.
sebesar 100,00%. Informasi terkait frekuensi dan kehadiran Information in relation to the frequency and attendance is
disajikan berikut ini. presented below:

Nama Jabatan Total Rapat Total Kehadiran

%
Name Position Total Number of Meetings Total Attendance
Ketua
Zaenal Abidin, PhD 5 5 100.00
Chairman
Anggota
Oliver Simorangkir 5 5 100.00
Member
Anggota
Retno Dwijanti Widaningsih 5 5 100.00
Member
Anggota
Teguh Sukaryanto* 2 100.00
Member
5
Anggota
Yozef Abdulrachman** 3 100.00
Member
Rata-Rata Kehadiran
100.00
Average Attendance
Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings Agenda
Agenda rapat yang dilaksanakan Komite Pemantau Risiko selama Throughout 2019, the dates, agenda and participants of the Risk
tahun 2019, yaitu: Monitoring Committee meetings, are as follows:
Tanggal Rapat Agenda Rapat Peserta Rapat Kehadiran

Meeting Date Meeting Agenda Meeting Participant Attendance
Hadir
Zaenal Abidin, PhD
Present
Hadir
Oliver Simorangkir
Present
Membahas profil risiko bulan Januari 2019 dan implementasi
27 Februari 2019 risk registered. Hadir
27 February 2019 Discuss the January 2019 risk profile and risks registered im Present
plementation
Hadir
Teguh Sukaryanto*
Present
Tidak Hadir
Yozef Abdulrachman**
Absent
Hadir
Zaenal Abidin, PhD
Present
Hadir
Oliver Simorangkir
Present
Membahas profil risiko bulan Maret 2019, perubahan Risk
8 Mei 2019 Appetite dan beberapa parameter. Hadir
8 May 2019 Discusses the March 2019 risk profile, changes in Risk Appetite Present
and several parameters.
Hadir
Teguh Sukaryanto*
Present
Tidak Hadir
Absent
Hadir
Membahas: Zaenal Abidin, PhD
Present
a. Kebijakan baru Bank Indonesia dan Otoritas Jasa Keuangan;
b. Temuan Otoritas Jasa Keuangan 2019; Hadir
c. Risk Based Bank Rating (RBBR) posisi September 2019; dan Oliver Simorangkir
Present
d. Perkembangan Proyek lntegrated operational Risk register
18 Oktober 2019 (IORR). Hadir
18 October 2019 Discussion: Present
a. New policy of Central Bank and Financial Services Authority;
b. Financial Services Authority audit findings 2019; Tidak Hadir
Teguh Sukaryanto*
c. September 2019 Risk Based Bank Rating (RBBR) position; Absent
and
Hadir
d. Progress lntegrated operational Risk register (IORR) Project. Yozef Abdulrachman**
Present


Meeting Date Meeting Agenda Meeting Participant Attendance
Hadir
Zaenal Abidin, PhD
Present
Hadir
Oliver Simorangkir
Present
Membahas Anti Pencucian Uang (APU) dan Pencegahan
6 Desember 2019 Pendanaan Terorisme (PPT). Hadir
6 December 2019 Discuss Anti Money Laundering (AML) and Prevention of Present
Terorism Funding (PTF).
Tidak Hadir
Teguh Sukaryanto*
Absent
Hadir
Present
Hadir
Zaenal Abidin, PhD
Present
Hadir
Oliver Simorangkir
Present
6 Desember 2019 Membahas laporan perkembangan proyek risk registered. Hadir

6 December 2019 Discuss progress report risks registered project. Present
Tidak Hadir
Teguh Sukaryanto*
Absent
Hadir
Present
Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report on 2019 Risk Monitoring Committee
Pemantau Risiko Tahun 2019 Activities
Sepanjang tahun 2019, Komite Pemantau Risiko telah melakukan Throughout 2019, the Risk Monitoring Committee performed
aktivitas peninjauan dan penelaahan profil risiko melalui diskusi activities review and risk profile assessment by means of
dan rapat bersama unit kerja yang terkait sebagai berikut: discussions and meetings with relevant work units, as follows:
1. Pada Februari 2019, melakukan Penelaahan Laporan 1. In February 2019, the Committee conducted a Review on Bank
Kepatuhan semester II 2018 Bank Victoria dan memberikan Victoria’s Compliance Report of the second semester of 2018
rekomendasi sebagai berikut. and gave the following recommendations.
a. Direktorat Kepatuhan agar menyusun pemetaan atas unit a. The Compliance Directorate should compile a mapping
kerja yang sangat potensial, cukup dan kurang potensial of work units that are very potential, sufficient, and
menimbulkan risiko kepatuhan, dengan menyusun less potential to pose compliance risks, by ranking the
peringkat organisasi; organization;
b. Selanjutnya, agar Direktorat Kepatuhan juga b. Furthermore, the Compliance Directorate should
menyelenggarakan Compliance Risk Management (CRM), also conduct Compliance Risk Management (CRM), by
dengan menyusun pedoman Compliance Self Assessment compiling guidelines of Compliance Self Assessment
(CSA) setiap unit-unit kerja tersebut, dan dilakukan (CSA) for each of these work units, and conduct
analisis risiko kepatuhan berdasarkan dampak (impact compliance risk analysis based on the impact or
atau consequences) dan kemungkinan (frequency atau consequence and frequency or likelihood in a score card;
likelihood) dalam score card;
c. Dengan demikian, ukuran atas risiko kepatuhan cukup jelas, c. Thus, the measurement of compliance risk is relatively
yang tidak hanya berdasarkan even (denda) saja, karena clear, which is not only based on the event (fine), because
denda tersebut berkemungkinan batasan yang sangat such fine is likely to be based on a very biased boundary
bias (boundary) antara risiko kepatuhan dan operasional, between compliance and operational risk, which may
yakni bisa saja timbul karena human error (termasuk risiko arise due to human error (including operational risk) or
operasional) ataupun kesengajaan (risiko kepatuhan); intentional (compliance risk);
d. Dengan melaksanakan Compliance Risk Management (CRM) d. By implementing Compliance Risk Management (CRM)
bersama-sama dengan Operation Risk Management (ORM), together with Operation Risk Management (ORM), the
maka secara tegas dapat dibedakan even risiko yang terjadi; occurring risk events can clearly be distinguished;

e. Bahwa dalam pengelolaan risiko yang terpenting e. Whereas in risk management, the most important
adalah proses dan bukan hanya laporan akhir, sehingga matter is the process and not just the final report, so
dengan menyelenggarakan CSA, diharapkan timbulnya that by holding CSA, it is expected that awareness
kesadaran dan pemahaman pada masing-masing unit and understanding in each work unit will arise on the
kerja atas pentingnya penegakkan budaya kepatuhan importance of upholding compliance culture in order to
guna mencegah terjadinya risiko kepatuhan; dan prevent the occurrence of compliance risks; and
f. Laporan Direktorat Kepatuhan telah memenuhi f. The Compliance Directorate Report has complied with
ketentuan sebagaimana peraturan yang berlaku. the applicable provisions.
2. Pada Februari 2019, melakukan pembahasan dan memberikan 2. In February 2019, the discussion and recommendations for
rekomendasi atas profil risiko posisi Januari 2019 sebagai berikut. the Risk Profile of January 2019 were as follows.
a. Penjelasan pada inheren maupun Komite Pemantau a. Explanation on inherent and KPMR to be in line with
Manajemen Risiko agar sejalan dengan fluktuasi yang fluctuations that occur in the value of each risk profile;
terjadi pada nilai profil risiko masing-masing;
b. Terkait dengan implementasi risk register yang sampai b. In relation to the implementation of the risk register,
saat ini belum optimal dan mengingat manfaatnya yang which until now has not been optimal and given its
penting untuk memudahkan analisis risiko bagi Satuan important benefits to facilitate risk analysis for the Risk
Kerja Manajemen Risiko, Satuan Kerja Komite dan Satuan Management Work Unit, the Committee Work Unit and
Kerja Audit lnternal, agar kiranya dilakukan sosialisasi the Internal Audit Work Unit, so that socialization can
kembali dengan melakukan pendampingan dan dengan be carried out again with mentoring and by discussing
metode membahas langsung dengan Risk Taking Unit methods directly with Risk Taking Unit (RTU) which is the
(RTU) yang menjadi pilot project; dan pilot project; and
c. Sehubungan hal tersebut, maka akan segera dilakukan c. In connection with this, a risk register discussion will
pembahasan risk register dengan tim yang terdiri dari soon be held with the Team consisting of : Mr Zaenal, Mr
Zaenal Abidin, PhD, Tamunan, Slamet Riyadi, Hermawan, Tamunan, Mr Slamet, Mr Hermawan, Mr Syarifudin and
Syarifudin, dan Djoko Soendjojo. Divisi Operasional Mr Djoko Soendjojo. As a pilot project is the Operations
merupakan pilot project mengingat Risk Taking Unit ini Division, given that the Risk Taking Unit manages many
banyak mengelola transaksi dan memiliki dampak yang transactions and has a significant impact on risk.
signifikan terhadap risiko.
3. Pada Mei 2019, melakukan pembahasan dan memberikan 3. In May 2019, discussions and recommendations were made on
rekomendasi atas profil risiko posisi Maret 2019, perubahan the Risk Profile for the position in March 2019, changes in Risk
risk appetite dan beberapa parameter sebagai berikut. Appetite and several parameters as follows.
a. Terhadap perubahan risk appetite, agar dipastikan dan a. With regard to changes in risk management, it must be
dianalisa bahwa perubahan tersebut tidak membawa ascertained and analyzed that the changes do not have a
dampak risiko bagi Bank; risk impact for the Bank.
b. Terkait dengan implementasi risk register yang sampai b. In relation to the implementation of the Risk Register,
saat ini belum optimal dan mengingat manfaatnya yang which until now has not been optimal and given the
penting untuk analisis risiko bagi pihak yang terkait, maka: benefits that are important for risk analysis for related
parties, then:
• Pelatihan tentang risk register agar dapat segera • Training on the Risk Register so that it can be
dilaksanakan dan hal ini menjadi domain Direksi immediately carried out and this becomes the
untuk memutuskan; domain of the Board of Directors to decide;
• Satuan Kerja Manajemen Risiko diminta untuk terus • The Risk Management Work Unit is requested to
memantau penyelesaian software risk register; dan continuously monitor the completion of the Risk
Register software; and
• Perihal pengelolaan risk register akan dibicarakan • Regarding the management of the Risk Register will
antara Dewan Komisaris dan Direksi untuk be discussed between the Board of Commissioner and
menetapkan kepemilikannya. the Board of Directors to determine its ownership.
c. Untuk implementasi Compliance Self Assesment (CSA) c. For the implementation of Compliance Self Assessment
agar segera dilakukan dengan memasukkan unsur impact (CSA), it must be carried out immediately by incorporating
dan frekuensi. Sebagai contoh bisa dimulai di Divisi elements of impact and frequency. For example, bias can
Kepatuhan sendiri. begin in the Compliance Division itself.
d. Diingatkan tentang Peraturan Otoritas Jasa Keuangan No. 51/ d. Reminded about POJK No.51 / POJK.O3 / 2017 concerning
POJK.O3/2017 tentang Penerapan Keuangan Berkelanjutan the Implementation of Sustainable Finance which must
yang harus diimplementasikan pada awal 2020, untuk be implemented in early 2020, to be noticed by the Board
menjadi perhatian Direksi mempersiapkan penerapan di of Directors preparing for the application at PT. Bank
Bank Victoria juga untuk Satuan Kerja Manajemen Risiko agar Victoria International Tbk. Also for the Risk Management
dapat dimasukkan diparameter penilaian. Work Unit to be included in the assessment parameters.

4. Pada Oktober 2019, melakukan pembahasan dan memberikan 4. In October 2019 discussed and provided recommendations on
rekomendasi atas kebijakan baru Bank Indonesia dan the Bank Indonesia New Policy & Financial Services Authority,
Otoritas Jasa Keuangan, temuan Otoritas Jasa Keuangan Findings of the 2019 Financial Services Authority, Risk Based
2019, Risk Based Bank Rating (RBBR) posisi September 2019, Bank Rating (RBBR) for September 2019, Development of
perkembangan proyek Integrated Operational Risk Register Integrated Operational Risk register (IORR) Project as follows .
(IORR) sebagai berikut.
a. Permasalahan ketergantungan terhadap satu a. The problem of dependence on one Information
programmer information teknologi (key man exposure) Technology programmer (key man exposure) must be
harus ada tindak lanjut solusinya oleh manajemen; followed up on a solution by management;
b. Penambahan aktivitas proyek proses identifikasi/ b. Adding project activities "identification process /
penyusunan risk register seluruh Unit Kerja Bank; preparation of Risk Register for all Bank Work Units";
c. Mengkinikan Kebijakan kredit dan memorandum aplikasi c. Updating the Credit Policy and Memorandum of Credit
kredit untuk mengakomodasi persyaratan sustainable Application to accommodate the requirements of
finance; dan Sustainable Finance; and
d. Bank memenuhi komitmen tindak lanjut ke Otoritas Jasa d. In order for the Bank to fulfill its commitments to follow
Keuangan, utamanya Divisi Bisnis. up to the Financial Services Authority, especially the
Business Division.
5. Pada Desember 2019, melakukan pembahasan dan 5. In December 2019 conducted a discussion and provide
memberikan rekomendasi atas Anti Pencucian Uang (APU) recommendations on Anti-Money Laundering (AML) and
dan Pencegahan Pendanaan Terorisme (PPT) sebagai berikut. Prevention of Terrorism Funding (PTF) as follows.
a. Pengetahuan tentang Laporan Transaksi (Laporan a. The minimum knowledge of Transaction Reports
Transaksi Keuangan Terorisme, Laporan Transaksi (Terrorism Financial Transaction Reports, Suspicious
Keuangan Mencurigakan, dan Laporan Transaksi Financial Transaction Reports, and Foreign Financial
Keuangan Luar Negeri) yang masih minim perlu Transaction Reports) needs to be improved through
ditingkatkan melalui program pelatihan-pelatihan, baik training programs, both from internal and external
dari pihak internal maupun pihak eksternal. parties.
b. Pengembangan aplikasi terkait dengan APU dan PPT b. Application Development related to Anti-Money
segera dilaksanakan sesuai target waktu. Laundering and Prevention of Terotism Funding will be
implemented immediately according to the target time.
6. Pada Desember 2019, melakukan pembahasan dan 6. In December 2019 discussed and provided recommendations
memberikan rekomendasi atas laporan perkembangan on the progress report of risk registered projects to be
proyek risk registered dan pelaksanaan proyek risk registered accelerated.
agar dipercepat.
Komite Nominasi dan Remunerasi Nomination and Remuneration Committee

Komite Nominasi dan Remunerasi adalah komite yang membantu The Nomination and Remuneration Committee is a committee that
Dewan Komisaris dalam menjalankan fungsi penetapan kriteria assists the Board of Commissioners in carrying out the function of
calon anggota Komisaris dan Direksi, penilaian kinerja Komisaris determining the criteria for candidates for Board of Commissioners
dan Direksi, serta merekomendasi sistem remunerasi yang sesuai. and Board of Directors, evaluating the performance Board of
Commissioners and Board of Directors, and recommending an
appropriate remuneration system.
Pembentukan Komite Nominasi dan Remunerasi dilakukan Establishment of the Nomination and Remuneration Committee
berdasarkan Peraturan: is based on the following regulations:
1. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 1. Circular of Financial Services Authority No. 13/SEOJK.03/2017
tanggal 17 Maret 2017 tentang Penerapan Tata Kelola bagi dated 17 March 2017, on Governance Implementation for
Bank Umum; Commercial Banks;
2. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 2. Circular of Financial Services Authority No. 14/SEOJK.03/2017
tanggal 17 Maret 2017 tentang Penilaian Kesehatan Bank dated 17 March 2017 on Sound Level Assessment of
Umum; Commercial Bank;
3. Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 3. Financial Services Authority Regulation No. 4/POJK.03/2016
tanggal 26 Januari 2016 tentang Penilaian Kesehatan Bank dated 26 January 2016 on Sound Level Assessment of
tanggal 7 Desember 2016 tentang Tata Kelola bagi Bank dated 7 December 2016, on Governance for Commercial
Umum; Banks;

tanggal 25 Juni 2015 tentang Situs Web Emiten atau dated 25 June 2015 on Website of Issuers or Public
Perusahaan Publik; Companies;
6. Undang-Undang No. 21 tahun 2011 tanggal 22 November 2011 6. Law No. 21 of 2011 dated 22 November 2011 on Financial
tentang Otoritas Jasa Keuangan; Services Authority;
7. Undang-Undang No. 6 tahun 2009 tanggal 13 Januari 2009 7. Law No. 6 of 2009 dated 13 January 2009 on the Establishment
tentang Penerapan Peraturan Pemerintah Pengganti Undang- of Government Regulation in lieu of Law No. 2 of 2008 on
Undang No. 2 tahun 2008 tentang Perubahan Kedua atas Second Amendment to Law No. 23 of 1999 on Bank Indonesia
Undang-Undang No. 23 tahun 1999 tentang Bank Indonesia to Law; and
menjadi Undang-Undang; dan
8. Undang-Undang No. 40 tahun 2007 tanggal 16 Agustus 2007 8. Law No. 40 of 2007 dated 16 August 2007 on Limited Liability
tentang Perseroan Terbatas. Company.
Pedoman Komite Nominasi dan Remunerasi Guidelines of the Nomination and Remuneration
Committee
Komite Nominasi dan Remunerasi Bank Victoria menjalankan tugas Bank Victoria’s Nomination and Remuneration Committee
dan tanggung jawabnya berdasarkan Pedoman Komite Nominasi dan carries out its duties and responsibilities based on Bank Victoria
Remunerasi PT Bank Victoria International Tbk. Pedoman ini telah Tbk’s Nomination and Remuneration Committee Guidelines.
disahkan pada 20 September 2018 berdasarkan Keputusan Dewan The Charter was validated on 20 September 2018 based on the
Komisaris No. 003/SK-KOM/09/18. Uraian lebih jelas mengenai isi Decision of the Board of Commissioners No. 003/SK-KOM/09/18.
Pedoman Komite Nominasi dan Remunerasi Bank Victoria dapat More description on the contents of Guidelines of Nomination
dilihat pada situs web Bank bagian Tata Kelola (https://www. and Remuneration Committee of Bank Victoria can be viewed
victoriabank.co.id/uploads/2019-03-05_001SKKOM0216.pdf). on the Bank’s website on Governance section (https://www.
victoriabank.co.id/uploads/2019-03-05_001SKKOM0216.pdf).
Tugas dan Tanggung Jawab Komite Nominasi Duties and Responsibilities of Nomination
dan Remunerasi and Remuneration Committee
Tugas dan tanggung jawab Komite Nominasi dan Remunerasi The duties and responsibilities of the Bank’s Nomination and
Bank beserta realisasinya selama tahun 2019, yaitu: Remuneration Committee along with their realization in 2019 are:

Terkait Kebijakan Nominasi:
Related to Nomination Policy:
Menyusun dan memberikan rekomendasi mengenai sistem serta prosedur Komite Nominasi dan Remunerasi telah menyusun dan memberikan
pemilihan dan/atau penggantian anggota Dewan Komisaris dan Direksi rekomendasi mengenai sistem serta prosedur pemilihan dan/atau
kepada Dewan Komisaris untuk disampaikan kepada RUPS. penggantian anggota Dewan Komisaris dan Direksi pada rapat 11 Januari, 12
To prepare and provide recommendation on system and procedure of April, dan 13 Desember 2019.
selection and/or replacement of members of Board of Commissioners and The Nomination and Remuneration Committee has prepared and provided
Board of Directors to the Board of Commissioners to be delivered to the recommendation on the system and procedure of selection and/or
GMS. replacement of member of Board of Commissioners and Board of Directors
in meetings on 11 January, 12 April, and 13 December 2019.
Memberikan rekomendasi mengenai calon anggota Dewan Komisaris dan/ Komite Nominasi dan Remunerasi telah memberikan rekomendai calon
atau Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS. anggota Dewan Komisaris dan/atau Direksi kepada Dewan Komisaris.
To provide a recommendation about the candidates for the Board of The Nomination and Remuneration Committee has given recommendation
Commissioners and/or the Board of Directors to the Board of Commissioners on candidate members of Board of Commissioners and/or Board of
to be delivered to the GMS. Directors to the Board of Commissioners.
Terkait Kebijakan Remunerasi:

Related to Remuneration Policy:
Menyusun dan mengevaluasi remunerasi kepada anggota Dewan Komisaris, Pada tahun 2019, remunerasi Dewan Komisaris sebesar Rp2.861.564.597,-
Direksi, dan Pejabat Eksekutif sampai dengan satu tingkat di bawah Direksi. dan Direksi sebesar Rp12.085.016.395,-.
To prepare and evaluate the remuneration for members of the Board of In 2019, the remuneration for the Board of Commissioners was
Commissioners, Board of Directors, and Executive Officers up to one level Rp2,861,564,597, and the Board of Directors was Rp12,085,016,395.
below the Board of Directors.


Memberikan rekomendasi kepada Dewan Komisaris mengenai: Komite Nominasi dan Remunerasi telah memberikan rekomendasi kebijakan
1. Kebijakan remunerasi bagi Dewan Komisaris dan Direksi untuk remunerasi kepada Dewan Komisaris.
disampaikan kepada RUPS; dan The Remuneration and Nomination Committee has given recommendation
2. Kebijakan remunerasi bagi Pejabat Eksekutif sampai dengan satu tingkat on remuneration policy to the Board of Commissioners.
di bawah Direksi untuk disampaikan kepada Direksi.
To give recommendations to the Board of Commissioners on:
1. The remuneration policy for the Board of Commissioners and Board of
Directors to be delivered to the GMS; and
2. The policy remuneration for the Executive Officers up to one level below
the Board of Directors to be delivered to the Board of Directors.
Dalam melaksanakan tugas dan tanggung jawab terkait dengan kebijakan Komite Nominasi dan Remunerasi telah menyusun remunerasi berdasarkan
remunerasi wajib memperhatikan: kinerja keuangan Bank, prestasi kerja individu, kewajaran dengan peer
1. Kinerja keuangan dan pemenuhan cadangan sebagaimana diatur dalam group, serta pertimbangan sasaran dan strategi jangka panjang Bank.
peraturan perundang-undangan yang berlaku; Nomination and Remuneration Committee has prepared remuneration plan
2. Prestasi kerja individu; based on the Bank’;s financial performance, individual work achievement,
3. Kewajaran dengan peer group; dan reasonableness with peer group, and consideration on the Bank’s long term
4. Pertimbangan sasaran dan strategi jangka panjang Bank. goals and strategies.
In performing duties and responsibilities related to the remuneration policy,
the Bank must consider:
1. Financial performance and fulfillment of the reserve as stipulated in the
applicable laws and regulations;
2. Individual work achievement;
3. Reasonableness with peer group; and
4. Consideration of the Bank’s long-term goals and strategies.
Terkait Tugas Lainnya:

Related to Other Duties:
Membantu Dewan Komisaris untuk memberikan rekomendasi tentang Komite Nominasi dan Remunerasi telah memberikan rekomendasi jumlah
jumlah anggota Dewan Komisaris dan Direksi. anggota Dewan Komisaris dan Direksi pada rapat 11 Januari, 12 April, dan 13
To assist the Board of Commissioners in giving the recommendations about Desember 2019.
the number of the Board of Commissioners and the Board of Directors. The Nomination and Remuneration Committee has given recommendation
on the number of members of Board of Commissioners and Board of
Directors in meetings on 11 January, 12 April, and 13 December 2019.
Membantu Direksi dalam melakukan pengkajian ulang terhadap sistem Komite Nominasi dan Remunerasi membantu Direksi melakukan pengkajian
Human Capital Management dan kebijakan pengembangan sumber daya ulang terhadap sistem Human Capital Management dan kebijakan
manusia mulai dari rekrutmen, assessment, peningkatan kompetensi, pengembangan sumber daya manusia.
evaluasi, promosi, demosi, terminasi, suksesi, seleksi, dan lain-lain. The Nomination and Remuneration Committee has assisted the Board of
To assist the Board of Directors in reviewing the Human Capital Management Directors in reviewing the Human Capital Management system and human
system and human capital development policy starting from the recruitment, resources development policy.
assessment, competence development, evaluation, promotion, demotion,
termination, succession, selection, and others.
Wewenang Komite Nominasi dan Remunerasi Authority of Nomination and Remuneration

Committee
Dalam menjalankan tugas dan tanggung jawabnya, Komite In performing its duties and responsibilities, the Nomination and
Nominasi dan Remunerasi mempunyai wewenang untuk: Remuneration Committee has the authority:
1. Mengkaji ulang, memeriksa, melakukan analisa, dan 1. To review, examine, analyze, and give opinions and
pemberian pendapat serta rekomendasi dalam batas ruang recommendations within the scope of its duties;
lingkup tugasnya;
2. Mencari dan mendapatkan informasi (akses yang tidak 2. To look for and obtain the information (unlimited access)
terbatas) yang relevan dari sistem informasi manajemen, that is relevant from the management information system,
laporan-laporan dari setiap anggota Direksi dan individu atau the reports from each member of the Board of Directors and
narasumber terkait, baik yang berasal dari dalam maupun dari related individuals or speakers, whether coming from internal
luar Bank; dan or external side of the Bank; and
3. Mengundang Manajemen untuk hadir dalam rapat Komite. 3. To invite the Management to attend Committee’s meetings.

Komposisi Komite Nominasi dan Remunerasi Composition of The Nomination and Remuneration
Committee
Komite Nominasi dan Remunerasi paling kurang terdiri dari The Nomination and Remuneration Committee consists of at
3 (tiga) orang anggota, dengan ketentuan: least 3 (tiga) persons, under the following provisions:
1. Seorang Ketua merangkap anggota, yang merupakan 1. A Chairman, concurrently as member, who is an Independent
Komisaris Independen; dan Commissioner; and
2. Anggota lainnya yang dapat berasal dari: 2. Other members that may come from:
a. Anggota Dewan Komisaris; a. Members of the Board of Commissioners;
b. Pihak yang berasal dari luar Bank; atau b. Parties from outside the Bank; or
c. Pihak yang menduduki jabatan manajerial di bawah c. The party holding managerial positions under the Board
Direksi yang membidangi sumber daya manusia. of Directors in charge of human capital.
Periode 26 Juli 2018 - 2021 Period of 26 July 2018 - 2021

Berdasarkan ketentuan tersebut, Bank telah mengangkat Komite Based on these provisions, the Bank has appointed the
Nominasi dan Remunerasi berdasarkan Keputusan Direksi No. Nomination and Remuneration Committee based on Board of
007/SK-DIR/07/18 tanggal 26 Juli 2018. Adapun komposisi dan Director’s Decision No. 007/SK-DIR/07/18 dated 26 July 2018. The
keahlian Komite Nominasi dan Remunerasi sebagai berikut. composition and expertise of the Nomination and Remuneration
Committee are as follows.

Ketua Komisaris Independen Perbankan dan Bisnis
Chairman Independent Commissioner Banking and Business
Anggota Komisaris Utama Perbankan dan Audit

Oliver Simorangkir
Member President Commissioner Banking and Audit
Anggota Kepala Divisi Human Capital Management and General Affair

Syahda Candra Human Capital
Member Head of Human Capital Management Division and General Affair
Seluruh anggota Komite Nominasi dan Remunerasi telah memiliki All members of the Nomination and Remuneration Committee
kualifikasi pendidikan dan pengalaman kerja yang dapat dilihat have educational qualifications and work experience that can be
pada bab Profil Perusahaan dalam Laporan Tahunan ini. seen in the Company Profile chapter of this Annual Report.
Keanggotaan Komite Nominasi dan Remunerasi Bank Victoria Membership of the Nomination and Remuneration Committee of
telah memenuhi ketentuan Peraturan Otoritas Jasa Keuangan Bank Victoria has satisfied the provisions of Financial Services
No. 55/POJK.03/2016 dan Surat Edaran Otoritas Jasa Keuangan Authority Regulation No. 55/POJK.03/2016 and Circular of Financial
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Services Authority No. 13/SEOJK.03/2017 on the Implementation
Bank Umum, serta Peraturan Otoritas Jasa Keuangan No. 34/ of Governance for Commercial Banks and Financial Services
POJK.04/2014 tentang Komite Nominasi dan Remunerasi Emiten Authority Regulation No. 34/POJK.04/2014 on Nomination and
atau Perusahaan Publik. Remuneration Committee of Issuer or Public Company.
Independensi Komite Nominasi dan Remunerasi Independence of Nomination and Remuneration

Committee
Komite Nominasi dan Remunerasi Bank Victoria menjalankan The Nomination and Remuneration Committee of Bank Victoria
tugas dan tanggung jawabnya secara profesional dan independen, has performed its duties and responsibilities in a professional
tanpa intervensi dari organ tata kelola Bank lainnya. Pelaksanaan and independent manner, without the intervention from other
tugas tersebut dilakukan sesuai dengan strategi, target, visi dan governance organs of the Bank. The implementation of duties
misi Bank, semata-mata hanya untuk kepentingan Bank. Untuk has been conducted in line with the Bank’s strategies, targets,
menjaga profesionalitas dan independensi pelaksanaan tugas vision, and mission, solely for the Bank’s interest. To maintain the
Komite Nominasi dan Remunerasi, Bank mengatur komposisi professionalism and independence of the implementation of duties
antara anggota yang independen dan non independen untuk of the Nomination and Remuneration Committee, the Bank controls
menghindari benturan kepentingan (conflict of interest). Adapun the composition between independent and non-independent
aspek independensi Komite Nominasi dan Remunerasi dijelaskan members to avoid conflict of interest. The independence aspect
sebagai berikut. of Nomination and Remuneration Committee as explained below.

Gunawan Oliver
Aspek Independensi Syahda Candra Independence Aspect
Tenggarahardja Simorangkir
Tidak memiliki hubungan keuangan Does not have financial relationship
dengan Dewan Komisaris, Direksi, √ √ √ with the Board of Commissioners,
serta Pemegang Saham Utama dan the Board of Directors, and Main and
Pengendali. Controlling Shareholders.
Tidak memiliki hubungan kepemilikan Does not have share ownership

saham di Bank, baik secara langsung √ √ √ relationship in the Bank, either directly
maupun tidak langsung. or indirectly.
Tidak memiliki hubungan kepengurusan Does not have management relationship

di Bank, Entitas Anak, maupun √ √ √ in the Bank, Subsidiary, and affiliated
perusahaan afiliasi. company.
Tidak memiliki hubungan keluarga Does not have family relationship with
dengan Dewan Komisaris, Direksi, the Board of Commissioners, the Board
Pemegang Saham Utama dan √ √ √ of Directors, Main and Controlling
Pengendali, dan/atau sesama anggota Shareholders, and/or among members
Komite Nominasi dan Remunerasi. of Nomination and Remuneration
Committe.
Tidak menjabat sebagai pengurus partai √ √ √ Does not hold position as administrator
politik, pejabat, dan pemerintah. of political party, state, and government.
Kebijakan Suksesi Direksi Board of Directors Succession Policy

Kebijakan suksesi Direksi di lingkungan Bank Victoria telah diatur The Board of Directors Succession Policy within Bank Victoria’s
di dalam Kebijakan Sistem Nominasi dan Remunerasi yang telah environment is stipulated in the Nomination and Remuneration
disahkan melalui Surat Keputusan Dewan Komisaris No. 003/SK- System Policy that has been validated based on the Board of
KOM/09/18 tanggal 20 September 2018 tentang Pedoman Komite Commissioners’ Decision Letter No. 003/SK-KOM/09/18 dated
Nominasi dan Remunerasi PT Bank Victoria International Tbk. 20 September 2018 on the Guidelines of the Nomination and
Kebijakan suksesi Direksi mengatur: Remuneration Committee of PT Bank Victoria International Tbk.
Board of Directors succession policy regulates:
1. Prinsip Dasar 1. Basic Principles
a. Calon anggota Dewan Komisaris dan Direksi harus a. The candidates for the Board of Commissioners and
memenuhi persyaratan yang ditentukan dalam Anggaran the Board of Directors shall meet the requirements
Dasar Bank Victoria dan peraturan perundang-undangan stipulated in the Articles of Association of Bank Victoria
yang berlaku, termasuk tetapi tidak terbatas pada and the applicable laws and regulations, including but not
Undang-Undang Perseroan Terbatas, Undang-Undang limited to Limited Liability Company Laws, Banking Laws,
Perbankan, dan Undang-Undang Pasar Modal; and Capital Market Laws;
b. Pencalonan dan pengajuan calon Dewan Komisaris dan b. The nomination for the Board of Commissioners and
Direksi diajukan melalui seleksi dengan memperhatikan the Board of Directors is made through the selection by
persyaratan tersebut di atas; dan considering the above-mentioned requirements; and
c. Program orientasi bagi Komisaris baru dilakukan minimal c. Orientation program for the new Commissioner is
1 (satu) bulan sebelum pengajuan di RUPS. conducted at least 1 (one) month before proposing in the
GMS.
2. Persyaratan dan Kriteria 2. Requirements and Criteria
a. Yang dapat diangkat menjadi anggota Dewan Komisaris atau a. Persons who can be appointed as members of Board
Direksi adalah perseorangan yang mampu melaksanakan of Commissioners or Board of Directors are individuals
perbuatan hukum dan tidak pernah dinyatakan pailit atau who are able to perform legal acts and have never been
tidak pernah menjadi anggota Dewan Komisaris atau Direksi declared bankrupt or become a member of Board of
yang dinyatakan bersalah menyebabkan suatu pidana yang Commissioners or Board of Directors who is found guilty
merugikan keuangan negara dalam waktu 5 (lima) tahun of committing a criminal act that is detrimental to state
sebelum pengangkatannya, dengan memperhatikan finances within 5 (five) years before being appointed, by
peraturan perundang-undangan yang berlaku; taking into account the applicable laws and regulations;
b. Tidak mempunyai hubungan keluarga sedarah sampai b. Does not have family relationship up to third degree, both
derajat ketiga, baik menurut garis lurus maupun garis horizontally and vertically, or in-laws relationships with
ke samping, atau hubungan semenda (menantu dan ipar) other members of Board of Commissioners or Board of
dengan anggota Dewan Komisaris atau Direksi lain; Directors;
c. Tidak termasuk dalam daftar orang tercela di bidang c. Not included in the list of banned people in the banking
perbankan sesuai dengan yang ditetapkan oleh otoritas in accordance with the regulation stipulated by the bank
pengawasan bank; supervisory authority;

d. Memiliki integritas yang baik, dalam arti: d. Having good integrity, in the context of:
1) Memiliki akhlak dan moral yang baik; 1) Possessing good characters and morals;
2) Mematuhi peraturan perundang-undangan yang berlaku; 2) Adhering to the applicable laws and regulations;
3) Memiliki komitmen yang tinggi terhadap 3) Having a high commitment to the sound development
pengembangan operasional Bank yang sehat; of the Bank’s operations;
4) Dinilai layak dan wajar untuk menjadi anggota Dewan 4) Deemed fit and proper to be member of Board of
Komisaris atau Direksi Bank. Commissioners or Board of Directors of the Bank.
e. Penilaian integritas dilakukan dengan mengevaluasi e. The integrity assessment is carried out by evaluating
calon, dalam arti tidak pernah melakukan hal-hal tersebut the candidates, in the context of not committing the
di bawah ini: following acts:
1) Rekayasa dan praktik-praktik perbankan yang 1) Engineering actions and misconduct practices in the
menyimpang dari ketentuan perbankan; banking that deviate from the banking regulations;
2) Perbuatan yang dikategorikan tidak memenuhi 2) The acts categorized as not meeting the commitment
komitmen yang telah disepakati dengan Bank agreed with Bank Indonesia and/or the Government;
Indonesia dan/atau Pemerintah;
3) Perbuatan yang dikategorikan memberikan 3) The acts categorized as giving benefits to the owner,
keuntungan kepada pemilik, pengurus, karyawan, management, employees. And/or other parties that
dan/atau pihak lainnya yang dapat merugikan atau can be detrimental to or lessen the Bank’s benefits;
mengurangi keuntungan Bank;
4) Perbuatan yang dapat dikategorikan sebagai 4) The acts that can be categorized as the violations
pelanggaran terhadap ketentuan yang berkaitan against the regulations related to the prudential
dengan prinsip kehati-hatian di bidang perbankan; principles in the banking;
5) Perbuatan dari pengurus dan Pejabat Eksekutif yang 5) The acts from the management and Executive
dapat dikategorikan tidak independen; Officers that can be categorized as not independent;
6) Memenuhi kriteria kompetensi, dalam arti memiliki: 6) Satisfying the competence criteria, in the context of:
• Pengetahuan di bidang perbankan yang memadai; • Adequate knowledge in the banking;
• Pengalaman dan keahlian di bidang perbankan • Experiences and expertise in the banking and/or
dan/atau lembaga keuangan; dan financial institution; and
• Kemampuan untuk melakukan pengelolaan • The ability to conduct strategic management
strategis dalam rangka pengembangan bank with a view to the development of a sound bank.
yang sehat.
3. Sistem dan Prosedur Seleksi 3. System and Procedure of Selection

a. Komite Nominasi mengidentifikasi calon yang memenuhi a. The Nomination Committee identifies the candidates
persyaratan dan kriteria sesuai poin No. 2; meeting the requirements and criteria in line the point No. 2;
b. Dewan Komisaris atas saran Komite Nominasi dan b. Based on the suggestion from the Nomination and
Remunerasi menyampaikan kepada Pemegang Saham Remuneration Committee, the Board of Commissioners
Bank Victoria; proposed the candidates to the Shareholders of Bank
Victoria;
c. Pelaksanaan seleksi dilaksanakan sebelum berakhirnya c. The implementation of selection is carried out before the
masa jabatan atau adanya penambahan atau bila ada term of office ends or if there is additional or vacant position
kekosongan di jajaran Dewan Komisaris atau Direksi. in the Board of Commissioners or Board of Directors.
Rapat Komite Nominasi dan Remunerasi Meeting of The Nomination and Remuneration
Kebijakan Rapat Komite Nominasi dan Remunerasi Committee Policy of Nomination and
Remuneration Committee’s Meetings
Kebijakan mengenai rapat Komite Nominasi dan Remunerasi The policy on Nomination and Remuneration Committee’s
sebagaimana telah diatur dalam Piagam Komite Nominasi dan meetings has been regulated in the Nomination and
Remunerasi adalah diselenggarakan secara berkala paling kurang Remuneration Committee Charter, which states that meetings
4 (empat) kali dalam 1 (satu) tahun dengan dipimpin oleh Ketua are held periodically at least 4 (four) times within 1 (one) year
Komite Nominasi dan Remunerasi. Dalam pengambilan keputusan and chaired by the Chair of Nomination and Remuneration
rapat, Komite Nominasi dan Remunerasi selalu mengedepankan Committee. In making decision in the meeting, the Nomination
musyawarah mufakat. Hasil dari rapat tersebut dituangkan dalam and Remuneration Committee always prioritizes deliberations
risalah rapat dan didokumentasikan dengan baik. forconsensus. The meeting result is stated in minutes of meetings
and well documented.

Frekuensi dan Kehadiran Rapat Komite Nominasi Meeting Frequency and Attendance of Nomination
dan Remunerasi and Remuneration Committee
Pada tahun 2019, Komite Nominasi dan Remunerasi telah In 2019, the Nomination and Remuneration Committee held 6 (six)
menyelenggarakan rapat sebanyak 6 (enam) kali dengan tingkat meetings with the average attendance level of 100.00%. Meeting
kehadiran rata-rata sebesar 100,00%. Berikut frekuensi dan frequency and attendance of the Nomination and Remuneration
kehadiran rapat Komite Nominasi dan Remunerasi. Committee.

%
Gunawan Tenggarahardja Ketua
6 6 100.00
Chairman
Oliver Simorangkir Anggota

6 6 100.00
Member
Syahda Candra Anggota

6 6 100.00
Member
Rata-Rata Kehadiran
100.00
Average Attendance
Agenda Rapat Komite Nominasi dan Remunerasi Meeting Agenda of Nomination and Remuneration
Committee
Uraian agenda rapat Komite Nominasi dan Remunerasi selama Description of the Nomination and Remuneration Committee
tahun 2019, yaitu: meeting agenda throughout 2019 is as follows:

Meeting Date Meeting Agenda Meeting Participants Attendance
Hadir
Present
Evaluasi struktur organisasi sehubungan pengunduran diri
11 Januari 2019 Ramon Marlon Runtu. Hadir
Oliver Simorangkir
11 January 2019 Evaluating the organizational structure with regard to Ramon Present
Marlon Runtu’s resignation.
Hadir
Syahda Candra
Present
Hadir
Present
Evaluasi Dewan Komisaris dan Direksi untuk masa jabatan tahun
buku 2019-2021. Hadir
12 April 2019 Oliver Simorangkir
Evaluation of the Board of Commissioners and Board of Present
Directors for the term of office of the 2019-2021 fiscal year.
Hadir
Syahda Candra
Present
Hadir
Present
3 Mei 2019 Kebijakan remunerasi bagi pengurus dan karyawan. Hadir

Oliver Simorangkir
3 May 2019 Remuneration policy for management and employees. Present
Hadir
Syahda Candra
Present
Hadir
Pengggantian anggota Komite Audit dan anggota Komite Present
Pemantau Risiko untuk rekomendasi kepada Dewan Komisaris.
24 Juli 2019 Hadir
Substitution of members of Audit Committee and members of Oliver Simorangkir
24 July 2019 Present
Risk Monitoring Committee for recommendations to the Board
of Commissioners. Hadir
Syahda Candra
Present
Hadir
Present
Rekomendasi pencalonan Associate Director/ Senior EVP atas
nama Darwinsyah Hadir
18 September 2019 Oliver Simorangkir
Recommendation for Associate Director/Senior EVP Present
nomination on behalf of Darwinsyah
Hadir
Syahda Candra
Present


Hadir
Present
Evaluasi komposisi Direksi dan Pejabat Eksekutif
13 Desember 2019 Hadir
Evaluation of the composition of Board of Directors and Oliver Simorangkir
13 December 2019 Present
Executive Officers
Hadir
Syahda Candra
Present
Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report of the Implementation of Nomination
Nominasi dan Remunerasi Tahun 2019 and Remuneration Committee’s Activities in 2019
Sepanjang tahun 2019, Komite Nominasi dan Remunerasi telah Throughout 2019, the Nomination and Remuneration Committee
melakukan penelaahan dan peninjauan, baik melalui analisa conducted review and study, both through analysis of reports
laporan maupun melalui rapat yang hasilnya disampaikan kepada and meetings whose results were submitted to the Board of
Dewan Komisaris, antara lain: Commissioners, including:
1. Struktur dan jumlah Direksi; 1. Structure and total number of Board of Directors;
2. Kinerja Dewan Komisaris dan Direksi; 2. Performance of Board of Commissioners and Board of Directors;
3. Evaluasi kinerja dan keanggotaan Komite Audit dan Komite 3. Evaluation of performance and composition of Audit
Pemantau Risiko; Committee and Risk Monitoring Committee;
4. Kebijakan dan besaran remunerasi Pejabat Eksekutif; dan 4. Remuneration policy and amount for Executive Officers; and
5. Evaluasi struktur dan jumlah Pejabat Eksekutif. 5. Evaluation of structure and total number of Executive Officers.
Komite Audit Audit Committee

Komite Audit merupakan organ pendukung Dewan Komisaris Audit Committee is a supporting organ of the Board of Commissioners
yang berkerja secara kolektif untuk membantu Dewan Komisaris working collectively to assist the Board of Commissioners in
dalam melakukan telaah dan klarifikasi atas informasi keuangan, conducting review and clarification on financial information,
seleksi, penunjukkan dan pengawasan pekerjaan auditor selection, appointment and supervision of the work of independent
independen, evaluasi efektivitas pelaksanaan fungsi internal auditors, evaluation on the effectiveness of the implementation of
audit, pengendalian intern, kepatuhan terhadap perundang- the functions of internal audit, internal control, compliance with laws
undangan, dan manajemen risiko Bank. and regulations, and risk management of the Bank.
Komite Audit dibentuk berdasarkan peraturan berikut ini: The Bank’s Audit Committee has been established with the
regulations, i.e. as follows:
1. Surat Edaran Otoritas Jasa Keuangan No. 36/SEOJK.03/2017 1. Circular of Financial Services Authority No. 36/
tanggal 11 Juli 2017 tentang Tata Cara Penggunaan Jasa SEOJK.03/2017 dated 11 July 2017 concerning Procedures for
Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan Using Services of Public Accountants and Public Accountant
Jasa Keuangan; Firms in the Activities of Financial Services;
2. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 2. Circular of Financial Services Authority No. 13/ SEOJK.03/2017
tanggal 17 Maret 2017 tentang Penerapan Tata Kelola bagi dated 17 March 2017 concerning Implementation of
Bank Umum; Governance for Commercial Banks;
3. Peraturan Otoritas Jasa Keuangan No. 13/POJK.03/2016 3. Regulation of Financial Services Authority No. 13/
tanggal 7 Desember 2016 tentang Penerapan Tata Kelola bagi POJK.03/2016 dated 7 December 2016 concerning
Bank Umum; Implementation of Governance for Commercial Banks;
tanggal 7 Desember 2016 tentang Penerapan Tata Kelola bagi POJK.03/2016 dated 7 December 2016 concerning
Bank Umum; Implementation of Governance for Commercial Banks;
tanggal 23 Desember 2015 tentang Pembentukan dan POJK.04/2015 dated 23 December 2015 concerning
Pedoman Pelaksanaan Kerja Komite Audit; dan Establishment and Guideline for Work Implementation of
Audit Committee; and
tanggal 8 Desember 2014 tentang Direksi dan Dewan POJK.04/2014 dated 8 December 2014 concerning Board of
Komisaris Emiten atau Perusahaan Publik. Directors and Board of Commissioners of Stock Issuers or
Public Companies.

Pedoman Komite Audit Audit Committee Guidelines

Komite Audit berpedoman pada Piagam dan Pedoman Kerja Audit Committee in carrying out its roles is guided by Audit
Audit Committee dalam menjalankan perannya. Piagam dan Committee’s Charter and Work Guidelines Such Charter and
Pedoman tersebut disusun sesuai peraturan dan perundang- Guidelines were made in accordance with laws and regulations
undangan yang berlaku, serta telah dimutakhirkan melalui in effect, and had been ratified through Decision of Board of
Keputusan Dewan Komisaris No. 004/SK-KOM/09/18 tanggal Commissioners No. 004/SK-KOM/09/18 dated 21 September
21 September 2018 tentang Piagam dan Pedoman Kerja 2018 on the Charter and Work Guidelines of Audit Committee
Komite Audit PT Bank Victoria International Tbk. Uraian of PT Bank Victoria International Tbk. Further explanation
lebih jelas mengenai isi Piagam Audit Committee Bank on the content of Bank Victoria’s Audit Committee Charter
Victoria dapat dilihat pada situs web Bank bagian Tata Kelola can be viewed on the Bank’s website on Governance section
( h t t p s : / / w w w.v i c t o r i a b a n k . c o . i d / u p l o a d s / 2 0 1 9 - 1 0 - ( h t t p s : / / w w w.v i c t o r i a b a n k . c o . i d / u p l o a d s / 2 0 1 9 - 1 0 -
21_006SKDIR0919%20perubahan%20Anggota%20Audit%20 21_006SKDIR0919%20perubahan%20Anggota%20Audit%20
Committee.pdf). Committee.pdf).
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of Audit Committee
Tugas dan tanggung jawab Komite Audit beserta realisasinya The duties and responsibilities of the Audit Committee and the
diuraikan sebagai berikut. realization are described as follows.

Komite Audit telah melakukan penelaahan dan peninjauan, baik melalui
laporan maupun melalui rapat yang hasilnya disampaikan kepada Dewan
Komisaris, seperti:
1. Menelaah laporan keuangan serta pengendalian internal Desember 2019,
Maret, Juni, dan September 2019;
2. Menelaah atas hasil LHP SKAI semester I dan II 2019;
3. Melakukan evaluasi pelaksanaan jasa audit atas informasi keuangan oleh
akuntan publik dan kantor akuntan publik tahun buku 2018; dan
4. Memberikan rekomendasi penunjukkan KAP untuk general audit atas
laporan keuangan Bank Victoria tahun buku 2018.
Penelaahan dan klarifikasi atas informasi keuangan. The Audit Committee has conducted review and study, through reports and
Review and clarify the financial information. meetings whose results were submitted to the Board of Commissioners,
such as:
1. Reviewing the financial statements and internal control for December
2019, March, June, and September 2019.
2. Reviewing SKAI LHP results for semester I and II of 2019;
3. Evaluating the implementation of audit services on financial information
by the public accountant and the public accountant firm for the 2018
fiscal year; and
4. Providing recommendation for the appointment of Public Accountant
Firm for general audits of Bank Victoria's financial statements for the
2018 fiscal year.
Komite Audit telah menunjuk Kantor Akuntan Publik Tanudiredja, Wibisana,

Seleksi, penunjukan dan pengawasan pekerjaan auditor independen. Rintis dan Rekan sebagai auditor independen.
Select, appoint, and monitor the work of the independent auditor. The Audit Committee has appointed the Public Accountant Firm
Tanudiredja, Wibisana, Rintis and Partners as the independent auditor.
Komite Audit telah mengevaluasi efektivitas pekerjaan auditor independen

dan menyampaikan hasil evaluasinya kepada Dewan Komisaris.
Evaluasi efektivitas pelaksanaan pekerjaan auditor independen.
Evaluating the effectiveness of implementation of internal audit function. The Audit Committee has evaluated the effectiveness of the independent
auditor work and submitted the evaluation results to the Board of
Commissioners.
Komite Audit telah melakukan telaah dan klarifikasi atas evaluasi efektivitas
Evaluasi efektivitas pelaksanaan fungsi audit internal. pelaksanaan fungsi audit internal.
Evaluate the effectiveness of implementation of internal audit function. The Audit Committee has reviewed and clarified the evaluation of
effectiveness of internal audit function implementation


Komite Audit telah memberikan pendapat tentang pengendalian internal
periode Desember 2018, Maret, Juni, dan September 2019 dan memberikan
rekomendasi untuk meningkatkan aktivitas pengendalian internal di masing
masing unit kerja, seperti Divisi di kantor pusat, kantor cabang/cabang
Efektivitas pengendalian internal. pembantu/kantor kas.
Effectiveness of internal control. The Audit Committee has provided opinions on internal control for periods
of December 2018, March, June, and September 2019 and provided
recommendation for increasing internal control activities in each work unit,
such as divisions at head office, branch offices/sub-branch offices/cash
offices.
Komite Audit telah memastikan kepatuhan Bank terhadap peraturan

Kepatuhan terhadap peraturan perundang-undangan. perundang-undangan.
Compliance with laws and regulations. The Audit committee has ensured the Bank's compliance with the laws and
regulations.
Peningkatan implementasi sistem manajemen risiko dilakukan melalui

peningkatan fungsi identifikasi, pengukuran, pemantauan, dan
pengendalian risiko Bank guna mencegah atau meminimalkan kerugian
yang timbul dari kegiatan Bank ataupun mencegah hal-hal yang dapat
Manajemen risiko. mengganggu kelangsungan Bank.
Risk management.
Improving the risk management system implementation is performed
through improving the identification, measurement, monitoring, and control
of the Bank’s risks in order to prevent or minimize losses arising from the
Bank’s activities or prevent things that may disrupt the Bank's continuity.
Komite Audit telah melaksanakan tugas dan tanggung jawabnya dalam

mengawasi hal-hal yang terkait dengan informasi keuangan, sistem
pengendalian internal (Internal Control System), serta efektivitas
pemeriksaan oleh auditor internal dan eksternal. Dewan Komisaris menilai
kinerja Komite Audit pada tahun 2019 ini telah efektif dan sesuai dengan
Self assessment pelaksanaan tugas Komite Audit. Piagam Komite Audit.
Self-Assessment of the implementation of Audit Committee’s duties. The Audit Committee has performed its duties and responsibilities in
supervising matters related to financial information, internal control system,
and auditing effectiveness performed by internal and external auditors. The
Board of Commissioners considers that the Audit Committee’s performance
in 2019 was already effective and in accordance with the Audit Committee
Charter.
Hak dan Wewenang Komite Audit Rights and Authorities of Audit Committee
Dalam melaksanakan tugas dan tanggung jawab, Komite Audit In carrying out its duties and responsibilities, the Committee has
memiliki hak akses yang tidak terbatas kepada Manajemen, Pejabat unlimited access rights to Management, Executive Officers, all
Eksekutif, seluruh karyawan dan catatan Bank, termasuk laporan employees and Bank records, including internal and external audit
hasil audit internal maupun eksternal, laporan hasil rating internal reports, internal and external rating reports, expert consultant
maupun eksternal, laporan konsultan ahli, dan lain sebagainya reports, insofar as they are intended for discussion within the
sepanjang bertujuan untuk kepentingan pembahasan yang terkait. Committee.
Sedangkan, wewenang Komite Audit adalah untuk: Whereas, the Audit Committee has the authority to:
1. Menguji perencanaan dan pelaksanaan audit serta memantau 1. To review the planning and implementation of audits and
tindak lanjut hasil audit dalam rangka menilai kecukupan monitoring the follow up of the audit results to assess the
pengendalian internal, termasuk kecukupan proses laporan adequacy of internal control, including the adequacy of the
keuangan Bank; Bank Financial Statements processes;
2. Menerima laporan hasil pemeriksaan yang telah dilakukan 2. To receive reports of the audit results conducted by Internal
oleh Satuan Kerja Audit Internal (SKAI) pada setiap kegiatan Audit Work Unit / Integrated and Anti-Fraud Division at each
operasional dan fungsional Bank; operational and functional activity of the Bank;
3. Memantau dan menganalisis pelaksanaan tugas SKAI dengan 3. To monitor and analyze the duty implementation of Internal
meminta kertas kerja, serta memberikan saran dan perbaikan Audit Work Unit / Integrated and Anti-Fraud Division by
proses audit yang dilakukan; requesting the work paper, and provide suggestions and
improvement of the audit process carried out;
4. Melakukan penelitian atas syarat dan keabsahan kantor 4. Conduct study on the terms and validity of the public
akuntan publik, sebelum merekomendasikan kepada Dewan accountant firms, prior recommending the KAP to the Board
Komisaris ditunjuk menjadi auditor eksternal Bank; of Commissioners and appointing them to be the external
auditors of the Bank;
5. Meminta kertas kerja auditor ekternal untuk memastikan 5. Request the work paper of the external auditors to ensure
bahwa pemeriksaan telah dilakukan sesuai dengan prinsip that the audits have been done in accordance with the
pemeriksaan yang berlaku; applicable audit principles;

6. Meminta dokumen yang membuktikan bahwa tindak lanjut 6. Request documents for proving that the follow up of the audit
hasil audit telah dilaksanakan dengan baik dan benar, serta result has been done well and correctly, as well as timely;
tepat waktu; 7. Make recommendations to the Board of Commissioners
7. Membuat rekomendasi kepada Dewan Komisaris mengenai regarding the required actions on the study conducted; and
tindakan yang diperlukan atas kajian yang dilakukan; dan 8. Request opinions from the external experts to acquire
8. Meminta pendapat dari ahli eksternal guna mendapatkan saran independent suggestions for the interest of the Bank, with
independen untuk kepentingan Bank, dengan syarat anggota the condition that the member must first ask permission
harus memohon izin pada Ketua terlebih dahulu dan/atau jika from the chairman and/or of the Audit Committee decided
Komite Audit memutuskan perlunya bantuan ahli eksternal. the need for the assistance of external expert.
Komposisi Komite Audit Composition of Audit Committee

Berdasarkan Piagam dan Pedoman Kerja Audit Committee, Based on the Work Charter and Guideline for the Audit Committee,
keanggotaan Komite Audit sekurang-kurangnya terdiri dari 3 the membership of the Audit Committee consists of at least 3
(tiga) orang dengan ketentuan: (three) people with the following condition:
1. Seorang Komisaris Independen yang menjabat sebagai Ketua 1. An Independent Commissioner who serves as Chairman of
Komite Audit; the Audit Committee;
2. Seorang dari pihak independen yang memiliki keahlian di 2. A person from an independent party who has expertise in
bidang keuangan atau akuntansi; dan finance or accounting; and
3. Seorang dari pihak independen yang memiliki keahlian di 3. A person from an independent party who has expertise in law
bidang hukum atau perbankan. or banking.
Untuk masa tugas anggota Dewan Komisaris yang merangkap Board of Commissioners’ member who concurrently serves
sebagai anggota Komite Audit, sama dengan masa kerja as an Audit Committee has the same office term since their
penunjukannya sebagai anggota Dewan Komisaris yang appointment as a member of the Board of Commissioners
ditentukan oleh RUPS. Sedangkan, masa tugas Komite Audit yang determined by the General Meeting of Shareholders. The Audit
bukan merupakan anggota Dewan Komisaris tidak lebih lama dari Committee member’s office term who does not hold concurrent
masa jabatan Dewan Komisaris dengan tidak mengurangi hak position will not be longer than the Board of Commissioners’
Dewan Komisaris untuk memberhentikan. office term without disregarding the Board of Commissioners’
right to perform dismissal.
Selain itu, semua anggota Komite Audit wajib memiliki integritas, In addition, all members of the Audit Committee must have
akhlak, dan moral yang baik, serta harus memiliki pemahaman good integrity, character and morals, and must have relevant
yang relevan dan signifikan dengan bisnis Bank. Anggota Komite and significant understanding of the Bank’s business. Audit
Audit diangkat atau diberhentikan melalui Surat Keputusan Committee members are appointed or dismissed through the
Direksi berdasarkan hasil rapat Dewan Komisaris dan setelah Decree the Board of Directors based on results of the Board of
mendapat rekomendasi dari Komite Nominasi dan Remunerasi. Commissioners’ meeting and after obtaining a recommendation
from the Nomination and Remuneration Committee.
Periode 9 Maret 2018 - 13 September 2019 March 9, 2018 – September 13, 2019
Struktur dan keanggotan Komite Audit periode 9 Maret 2018 –13 Structure and membership of the Audit Committee for the period
September 2019 yang diangkat berdasarkan Keputusan Direksi of March 9, 2018 – September 13, 2019 tht appointed based on the
No. 002/SK-DIR/03/18 tanggal 9 Maret 2018 sebagai berikut. Board of Directors Decree No. 002/SK-DIR/03/18 tanggal 9 Maret
2018 as follows.

Ketua Komisaris Independen Perbankan dan Bisnis
Chairman Independent Commissioner Banking and Business
Anggota Pihak Independen Perbankan dan Audit

Member Independent Party Banking and Audit

Teguh Sukaryanto
Periode 13 September - Sekarang September 13, 2019 – Present

Struktur dan keanggotan Komite Audit periode 13 September The structure and membership of the Audit Committee for
2019 - sekarang yang diangkat berdasarkan Keputusan Direksi September 13, 2019 - present that appointed based on the Board
No. 006/SK-DIR/09/19 tanggal 13 September 2019 sebagai berikut. of Directors Decree No.006/SK-DIR-/O9/19 dated September 13,
2019 are as follows.


Ketua Komisaris /Komisaris Independen Perbankan dan Bisnis
Chairman Commissioner/Independent Commissioner Banking and Business
Anggota Pihak Independen Perbankan dan Audit

Member Independent Party Banking and Audit

Yozef Abdulrachman
Seluruh anggota Komite Audit telah memiliki kualifikasi All members of the Audit Committee have educational
pendidikan dan pengalaman kerja yang dapat dilihat pada bab qualifications and work experience that can be seen in the
Profil Perusahaan dalam Laporan Tahunan ini. Company Profile chapter of this Annual Report.
Keanggotaan Komite Audit Bank Victoria telah memenuhi Membership of the Audit Committee of Bank Victoria has satisfied
Peraturan Otoritas Jasa Keuangan No. 55/POJK.03/2016 tanggal the provisions of Financial Services Authority Regulation No.
7 Desember 2016 tentang Tata Kelola Bagi Bank Umum, Surat 55/POJK.03/2016 dated 7 December 2016 on Governance for
Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tanggal 17 Commercial Bank, Circular of Financial Services Authority No.
Maret 2017 tentang Penerapan Tata Kelola Bagi Bank Umum, dan 13/SEOJK.03/2017 dated 17 March 2017 on Implementation
Peraturan Otoritas Jasa Keuangan No. 55/POJK.04/2015 tentang of Governance for Commercial Bank, and Financial Services
Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. Authority Regulation No. 55/POJK.04/2015 on Establishment and
Guideline for Audit Committee Work Implementation.
Independensi Komite Audit Independence of Audit Committee

Komite Audit wajib menjalankan tugas dan tanggung jawabnya The Audit Committee performs its duties and responsibilities
secara profesional dan independen, tanpa intervensi dari organ professionally and independently, without any intervention from
tata kelola Bank lainnya. Pelaksanaan tugas tersebut dilakukan other organs in the Bank’s governance. This duty implementation
sesuai dengan strategi, target, visi dan misi Bank, serta semata- is performed in accordance with the Bank’s strategies, targets,
mata hanya untuk kepentingan Bank. Guna menjamin dipenuhinya vision and mission, and solely for the Bank’s interest. In order to
hal tersebut, Komite Audit perlu menjaga aspek independensi ensure compliance, the Audit Committee needs to maintain the
dimana seluruh anggota Komite Audit tidak terkait dengan independence aspect in which all members of Audit Committee are
Dewan Komisaris, Direksi, serta Pemegang Saham Utama dan not related to Boards of Commissioners, Board of Directors, and
Pengendali yang dapat menimbulkan dampak negatif ataupun the Major and Controlling Shareholders in such a way which may
benturan kepentingan (conflict of interest). Aspek independensi result in negative impact or conflict of interest. The independence
Komite Audit dijelaskan sebagai berikut. aspect of the Audit Committee is explained as follows.
Gunawan Retno Dwijanti Teguh Yozef

Aspek Independensi Independence Aspect
Tenggarahardja Widaningsih Sukaryanto* Abdulrachman**
keuangan dengan Dewan relationship with the Board
Komisaris, Direksi, serta √ √ √ √ of Commissioners, the Board
Pemegang Saham Utama dan of Directors, and Main and
Tidak memiliki hubungan Does not have share ownership

kepemilikan saham di Bank, √ √ √ √ relationship in the Bank, either
baik secara langsung maupun directly or indirectly.
tidak langsung.
Tidak memiliki hubungan Does not have management

kepengurusan di Bank, Entitas √ √ √ √ relationship in the Bank,
Anak, maupun perusahaan Subsidiary, and affiliated
afiliasi. company.

keluarga dengan Dewan relationship with the Board of
Komisaris, Direksi, Pemegang √ √ √ √ Commissioners, the Board of
Saham Utama dan Pengendali, Directors, Main and Controlling
dan/atau sesama anggota Shareholders, and/or among
Komite Audit. members of Audit Committee.
Tidak menjabat sebagai Does not hold position as

pengurus partai politik, √ √ √ √ administrator of political party,
pejabat, dan pemerintah. state, and government.

Evaluasi dan Rekomendasi Komite Audit dalam Evaluation and Recommendation of Audit
Penunjukan Kantor Akuntan Publik Committee in Appointing Public Accountant Firm
Terkait dengan pelaksanaan pemberian jasa audit atas informasi Related to the implementation of audit services on the Bank’s
keuangan historis tahunan Bank tahun 2018 oleh Kantor Akuntan annual historical financial information of 2018 by Public
Publik Tanudiredja, Wibisana dan Rekan, maka Komite Audit telah Accounting Firm Tanudiredja, Wibisana & Rekan, the Audit
melaksanakan evaluasi terhadap pemberian jasa tersebut dengan Committee conducted an evaluation of the provision of services
kesimpulan sebagai berikut. with the following conclusion.
1. Kesesuaian pelaksanaan audit dengan standar akuntansi 1. The conformity of the audit with the applicable accounting
yang berlaku standards
Ruang lingkup pekerjaan adalah melakukan audit posisi The work scope is to perform auditing on financial position
keuangan (neraca), tahun buku yang berakhir pada 31 (balance sheet), for the fiscal year ended in 31 December 2019,
Desember 2018, laporan laba rugi komprehensif, laporan comprehensive profit and loss statement, change in equity,
perubahan ekuitas, dan laporan arus kas sesuai dengan and cash flow report according to the financial accounting
standar akuntansi keuangan yang berlaku di Indonesia. standard that prevails in Indonesia.
Hasil evaluasi menunjukkan pekerjaan audit telah The evaluation results show that the audit work has been
dilaksanakan berdasarkan standard auditing versi Institut carried out based on the Indonesian Audit Standard of
Akuntan Publik Indonesia, sehingga secara etika auditor dalam the Indonesian Institute of Certified Public Accountants,
menjalankan proses audit telah mematuhi standar pelaksanaan therefore, ethically in carrying out the audit process, the auditor
audit, dan dalam memperoleh keyakinan, telah disertai bukti- has complied with the standard of audit implementation, and
bukti yang memadai sehingga bebas dari salah saji secara in obtaining confidence, it has sufficient evidence so that it
material. Selain itu, Auditor juga telah mempertimbangkan is free of material misstatement. Furthermore, the auditor
risiko salah saji, baik yang disebabkan oleh kesalahan ataupun has also considered the risk of misstatement, whether
kecurangan dengan memperhatikan proses pengendalian caused by error or fraud, by paying attention to the internal
internal yang diterapkan oleh manajemen Bank dan konfirmasi control process applied by the Bank’s management and by
yang secara intens dilakukan setiap terdapat temuan, yang intense confirmation of any findings, which are discussed
didiskusikan dengan melibatkan anggota Komite Audit. Hal ini by involving members of Audit Committee. This provides an
memberikan gambaran bahwa transparansi dan proses audit illustration that the transparency and audit process carried
yang dilakukan telah berjalan sesuai harapan Dewan Komisaris. out are as expected by the Board of Commissioners.
2. Kecukupan waktu pekerjaan lapangan 2. Adequacy of field work time

Pekerjaan yang dimulai sejak surat penugasan pekerjaan, The work commencing from the date of the assignment
yang ditandatangani oleh Direksi pada tanggal 28 Agustus letter signed by the Board of Directors on 28 August 2018 was
2018, dapat diselesaikan sampai dengan penyerahan laporan completed on the submission of the report on 3 March 2019,
pada tanggal 3 Maret 2019, atau kurang lebih selama 23 or more or less 23 weeks. Thus, the time given was adequate
minggu, adalah waktu yang cukup memadai dan sesuai and appropriate with the Bank’s business scale, area, and
dengan skala, area usaha, serta kompleksitas bisnis Bank. complexity.
Sebagaimana time table yang disetujui bersama dan adanya Referring to the mutually-agreed time table and adequate
dukungan tim audit yang cukup, dikaitkan dengan skala, area audit team support, in terms of scale, area and complexity of
dan kompleksitas bisnis Bank, maka Komite berpendapat the Bank’s business, the Committee is of the opinion that the
jangka waktu pemeriksaan cukup memadai. examination period is adequate.
3. Pengkajian cakupan jasa yang diberikan dan kecukupan uji 3. Review of coverage of services provided and adequacy of
petik sampling test
a. Cakupan jasa audit a. Scope of audit services
Auditor melakukan evaluasi terhadap Pengendalian Auditor evaluates the Bank’s Internal Control as a basis
Internal Bank sebagai dasar melakukan general audit. to perform general audit. Evaluation result is generally
Hasil evaluasi secara umum baik, merekomendasi good, recommending improvement on the internal
perbaikan dalam peningkatan pengendalian internal yang control to be achieved by the bank.
harus diperbaiki Bank.
b. Laporan Keuangan Konsolidasi 31 Desember 2018 b. Consolidated Financial Statements 31 December 2018
1) Mengaudit Laporan Keuangan Konsolidasian Bank 1) Audited the Bank’s Consolidated Financial
per 31 Desember 2018, laporan laba rugi, laporan Statements as of 31 December 2019, profit and loss
perubahan ekuitas, dan laporan arus kas untuk tahun statement, change in equity report, and cash flow
yang berakhir pada tanggal tersebut. report for the year ended on such date.
2) Mengkaji ulang penggolongan kualitas aset produktif 2) Review the categorization of productive assets
dan perhitungan penyisihan penghapusan aset quality and calculation of regulatory provision for
produktif (PPAP), serta kecukupan cadangan atas productive assets (PPAP), and adequate reserves
loan impairment, dengan melakukan kajian ulang on loan impairment, by performing the calculation

perhitungan secara individual dan kolektif dan juga review individually and collectively and also the
perhitungan loss given default (LGD). calculation of loss given default (LGD)
3) Mengkaji ulang agunan yang diambil alih (AYDA), 3) Review the foreclosed assets, including evaluation
termasuk evaluasi action plan penyelesaiannya dan of action plan and its settlement and calculation of
perhitungan kecukupan pencadangan berdasarkan adequacy of reserves based on the assumption that
asumsi 1,5 tahun terjual. it will be sold in 1.5 years.
4) Mengkaji ulang kewajaran transaksi dengan pihak- 4) Review the fairness of transaction with related
pihak berelasi dan transaksi penyediaan dana kepada parties and fund provision transactions to the related
pihak terkait. parties.
5) Melakukan pemeriksaan batas maksimum pemberian 5) Monitor the maximum credit limit (BMPK).
kredit (BMPK).
6) Mengkaji ulang perhitungan aset tertimbang menurut 6) Review the risk weighted assets (RWA) and
risiko (ATMR) dan perhitungan kewajiban penyediaan calculation of obligation of Capital Adequacy Ration
modal minimum (KPMM) Bank. (CAR) of the Bank.
7) Melakukan pemeriksanaan transaksi spot dan 7) Perform check on spot and derivative transactions.
derivative.
8) Mengkaji ulang perhitungan posisi Devisa Neto (PDN). 8) Review the calculation of Net Open Position (PDN).
9) Mengkaji ulang keandalan sistem informasi pelaporan 9) Review the reliability of Bank reporting information
Bank. system.
10) Mengkaji ulang pelaksanaan pengendalian internal 10) Review the implementation of Bank’s internal control.
Bank.
11) Mengkaji ulang hal-hal lain yang diatur dalam standar 11) Review all matters regulated in the Financial
akuntansi keuangan (SAK) dan pedoman akuntansi Accounting Standards (SAK) and Indonesian Banking
perbankan Indonesia (PAPI). Accounting Guidelines (PAPI).
12) Melakukan pemeriksaan dan rekonsiliasi jurnal 12) Conduct the audit and reconciliation of manual
manual, buku besar dan penyesuaian yang dilakukan, journals, ledgers, and adjustments made, since
mengingat masih adanya jurnal manual yang there are manual journals that have the potential for
berpotensi terjadinya penyimpangan/kecurangan. irregularities/fraud.
13) Mengkaji ulang pengakuan pendapatan, termasuk 13) Review earning recognition, including to test and
melakukan test dan proof sheet atas perhitungan proof sheet the calculation on effective interest rate
besaran effective interest rate (EIR) dan lain-lain. (EIR), etc.
14) Mengkaji ulang dana pihak ketiga, dengan melakukan 14) Review third-party funds by verifying the ledger in
verifikasi buku besar di neraca dan biaya bunga serta the balance sheet and interest expenses and making
melakukan konfirmasi. confirmation.
15) Mengkaji ulang investasi pada surat-surat berharga, 15) Conduct review of investment in marketable
serta perlakuan akuntansi dan pencatatan klasifikasi securities, including the accounting treatment,
maupun valuasinya. recording of classification, and valuation.
16) Melakukan kajian atas Entitas Anak, Bank Syariah, 16) Conduct review of Subsidiaries, Sharia Banks,
terutama hal yang signifikan, seperti kecukupan particularly significant matters, such as the
cadangan pembiayaan dan amortisasi fee dan biaya adequacy of financing reserves, fee amortization,
transaksi. and transaction charges.
c. Kecukupan cadangan c. Adequacy of reserve

1) Berdasarkan hasil validasi auditor, penilaian 1) Based on auditor’s validation result, individual
penurunan nilai secara individual terdapat valuation on impairment losses shows that there is an
kekurangan pencadangan sebesar Rp15 miliar. allowance shortfall of Rp15 billion. Adjustment to the
Penyesuaian kekurangan pencadangan telah allowance of impairment losses has been recorded in
dibukukan dalam laporan keuangan yang berakhir the financial statements ended on 31 December 2018.
pada 31 Desember 2018.
2) Berdasarkan validasi auditor, penilaian penurunan nilai 2) Based on auditor’s validation result, individual
secara individual terdapat kekurangan pencadangan valuation on impairment losses shows that there is an
sebesar Rp17 miliar. Penyesuaian kekurangan allowance shortfall of Rp17 billion. Adjustment to the
pencadangan telah dibukukan dalam laporan keuangan allowance of impairment losses has been recorded in
yang berakhir pada 31 Desember 2018. the financial statements ended on 31 December 2018.
3) Dalam perhitungan potensi penerimaan dari AYDA, 3) In calculation of potential revenue from foreclosed
Bank memperhitungkan lama penjualan 1,5 tahun, assets (AYDA), the Bank estimates period of sales
diskon sebesar 10% dari nilai pasar, estimasi biaya at 1.5 year, discount at 10% of the market value,

untuk menjual 5% dari nilai pasar NVP-dilakukan sales cost is estimated at 5% of market value. NVP
diskonto menggunakan tingkat suku bunga 13,00%. is discounted using interest rate of 13.00%. Based
Berdasarkan perhitungan tersebut Bank kelebihan on the above calculation, the Bank has an allowance
melakukan pencadangan sebesar Rp44,07 miliar. excess of Rp44.07 billion Adjustment to the
Penyesuaian atas kelebihan penyisihan ini telah allowance excess has been recorded in the financial
dilakukan dalam laporan keuangan yang berakhir statements ended on 31 December 2018.
pada 31 Desember 2018.
4) Pada perhitungan cadangan penanaman modal 4) On calculation of investment reserves there is a

terdapat kekurangan sebesar Rp27,8 miliar. shortfall of Rp27.8 billion.
Sehingga, secara keseluruhan Bank mengalami As such, the Bank’s total shortfall in Allowance of
kekurangan CKPN sebesar Rp844.352.000,- dan telah Impairment Losses is at Rp 844,352,000,- and adjustment
dilakukan penyesuaian pada laporan keuangan yang has been made to the financial statements ended on 31
berakhir pada 31 Desember 2018. December 2018.
d. Akrual bonus d. Bonus accrual

Berdasarkan hasil audit, terdapat kekurangan catat Based on audit result, there is a shortfall on accrual bonus
akrual bonus sebesar Rp2,4 miliar. Penyesuaian atas record at the amount of Rp2.4 billion Adjustment to the
kelebihan penyisihan ini telah dilakukan dalam laporan allowance excess has been recorded in the financial
keuangan yang berakhir pada 31 Desember 2018. statements ended on 31 December 2018.
e. Liabilitas imbalan kerja e. Employee Benefit Liabilities

Berdasarkan laporan aktuaria final pada Februari 2019, Based on final actuary report, in February 2019 there was
terdapat kekurangan pencatatan pada saldo liabilitas a shortfall in the work benefit liability balance record at
imbalan kerja sebesar Rp7,5 miliar. Penyesuaian atas the amount of Rp7.5 billion. Adjustments to the shortfall
kekurangan pencatatan pada saldo liabilitas imbalan in work benefit liability balance record at Rp7.5 billion,
kerja sebesar Rp7,5 miliar, biaya imbalan kerja sebesar work benefit cost at Rp654 million, and adjustment to the
Rp654 juta dan penyesuaian pencatatan keuntungan/ profit/loss actuary record in comprehensive revenue and
kerugian aktuaria di pendapatan komprehensif lainnya others have been record at Rp8.1 billion in the financial
sebesar Rp8,1 miliar telah dibukukan dalam laporan statements ended on 31 December 2018.
keuangan yang berakhir pada 31 desember 2018.
4. Kecukupan uji petik 4. Adequacy of sampling test

Dalam uji petik yang dilakukan oleh auditor, nilai sampel Value of sampling in the test carried out by auditor, is at
pemeriksaan sebesar Rp10.780.870.743.337,- atau sebesar the amount of Rp10,780,870,743,337 or 71.12% compared to
71,12% dibandingkan dengan total portofolio kredit, sehingga total credit portfolio, so that this has fulfilled the minimum
hal ini telah memenuhi ketentuan minimal sebesar 70,00% dan provision of 70% and has covered 25 top customers.
telah mencakup 25 nasabah terbesar. Sedangkan, berdasarkan Meanwhile, based on number, there were total of 129 accounts
jumlah sampel yang diperiksa sebanyak 129 akun. Dari hasil audited. From the credit portfolio evaluation result, there is
evaluasi portofolio kredit terdapat debitur yang perlu dilakukan a debtor that needs more stringent monitoring, namely PT
pengawasan lebih ketat yakni Bima Multifinance. Bima Multifinance.
Pada restrukturisasi akun, auditor melakukan pemeriksaan On account restructuring, the auditor performed audit on 20
terhadap 20 akun kualitas dalam perhatian khusus quality accounts in special mention (collectability 2) and 21
(kolektibilitas 2) dan 21 akun untuk debitur NPL kualitas substandard-loss NPL accounts, in which these have entirely
kurang lancar sampai macet, dimana keseluruhannya telah represent 100.00% of the population.
mewakili 100,00% jumlah populasi.
5. Rekomendasi perbaikan yang diberikan oleh akuntan publik 5. Recommendations for improvement submitted by the public
dan/atau kantor akuntan publik accounting and/or public accountant firm
Berdasarkan hasil audit, maka direkomendasikan perbaikan Based on audit, therefore internal control improvement
pengendalian internal serta koreksi keuangan untuk and financial correction are recommended to adjust to the
menyesuaikan dengan kebijakan akuntansi yang berlaku, accounting policy in effect, as it is required to be reported by
sebagaimana yang wajib dilaporkan oleh akuntan publik pada the public accountant to the Financial Services Authority.

Secara umum rekomendasi perbaikan yang diperlukan dalam In general, the recommendations for improving internal
peningkatan pengendalian internal antara lain: control include:
a. Pada bidang perkreditan yang perlu disempurnakan a. In the credit sector the things that need to be improved
dengan menekankan fungsi pengawasan atasan langsung, is the emphasizing of direct superior monitoring,
pelaksanaan dan pelaporan call visit dan dokumentasi implementation and reporting of call visit and
call report, pemeliharaan data agunan dalam daftar documentation on call visit, collateral data maintenance
nominative dan sistem corebanking (Alphabits), ketentuan in nominative and core banking system (Alpha bits),
penggunaan 3 (tiga) pilar, pemantauan dokumen kredit, 3 (three) pillars use provisions, credit documents
proses restrukturisasi kredit, analisa dan perhitungan monitoring, credit restructuring process, analysis
cadangan kerugian penurunan nilai kredit-kolektif. and calculation of collective credit on allowance for
Temuan ini konsisten dengan hasil temuan audit tahun impairment losses. These findings are consistent with
sebelumnya. previous year’s audit findings.
b. Dalam hal teknologi informasi (TI) yang perlu mendapat b. In Information Technology (IT), matters that require
perhatian dari manajemen adalah hak akses pengguna attention from management are user access right that
tidak sesuai dengan tabel kewenangan akses terkini is not in-line with the updated authorization table, and
dan keterlambatan penonaktifan akun pengguna milik delay in deactivating account of resigned employees.
karyawan yang telah mengundurkan diri. Hal ini pun These are also consistent with previous year’s findings.
konsisten dengan temuan tahun sebelumnya.
Terkait dengan rencana penggunaan jasa kantor akuntan publik In relation to the plan to use the services of a public accounting
dan akuntan publik yang akan mengaudit informasi keuangan firm and public accountant that will audit the Bank’s annual
historis tahunan Bank posisi tahun 2019, Komite Audit telah historical financial information of 2019, the Audit Committee has
merekomendasikan penggunaan jasa Kantor Akuntan Publik recommended using Public Accounting Firm PriceWaterhouse
Pricewaterhouse Coopers dengan pertimbangan sebagai berikut. Coopers under the following considerations.
1. Independensi Kantor Akuntan Publik, Akuntan Publik dan Tim 1. Independence of Public Accounting Firm, Public Accountant,
Audit and Audit Team
Sebagaimana standar independensi kantor akuntan publik The standard of independence of any public accounting firms
yang terafiliiasi pada Pricewaterhouse Cooper, dikenal affiliated with Pricewaterhouse Cooper recognizes code of
adanya kode etik dan benturan kepentingan, sehingga secara ethics and provisions on conflict of interest, so professionally
profesional pangaturan internal dari kantor akuntan publik based on the internal arrangement of the public accounting
telah menyatakan bahwa tidak ada hubungan istimewa antara firm it is stated that there is no special relationship
pihak pemeriksa dengan terperiksa, yang dapat memengaruhi between the auditor and the auditee, which may affect its
independensinya. independence.
Demikian pula dari penelusuran Komite Audit, tidak ditemukan Similarly, the tracing conducted by the Audit Committee did
hubungan antara pengurus Bank, pejabat eksekutif Bank dan not find any relationship between the Bank’s management,
pihak lain yang berkepentingan yang dapat memengaruhi the Bank’s executive officers, and any other parties concerned
independensi dan pendapat akhir dari hasil pemeriksaan, that may affect the independence and final opinion on the
sehingga independensi ini dapat diyakini. audit results, thus, the independence is assured.
2. Ruang Lingkup Audit 2. Audit Scope

a. Uji petik dokumen yang diperiksa, minimal 70% dari a. The sampling of documents audited covers at least 70%
nilai nominal eksposur berisiko Bank dan paling sedikit of the nominal value of the Bank’s risk exposures and at
mencakup 25 counter party terbesar Bank, dengan least 25 largest counterparties of the Bank, with the note
catatan bagi peringkat yang risiko individualnya cukup that those with high individual risk (decreased rating
tinggi (kualitas rating menurun), diupayakan seluruhnya quality) should be entirely included in the audit sampling.
tercakup dalam uji petik yang diperiksa.
b. Penggolongan kualitas aset produktif, sesuai dengan b. Classification of quality of productive assets is in
ketentuan dan persyaratan yang berlaku, termasuk accordance with prevailing provisions and requirements,
kecukupan perhitungan dan pencadangannya. including the calculation of adequacy of reserves.
c. Melakukan penilaian terhadap AYDA, proses dan c. Assessment of Foreclosed Assets, the process and fair
nilai wajarnya, termasuk kecukupan pencadangan value, including the adequacy of reserves for the losses.
kerugiannya.
d. Penilaian terhadap rupa-rupa aset. d. Assessment of the different forms of assets.
e. Penyediaan dana kepada pihak terkait, baik jumlah, e. Provision of funds to related parties, including the
kualitas, dan prosesnya, termasuk transaksi yang quantity, quality, and process, including specifically
diberlakukan secara khusus. enforced transactions.
f. Pelanggaran dan pelampauan BMPK secara detil, baik f. Violation and the excess of LLL in details, in terms
jumlah, nasabah dan kualitas serta persentasenya, posisi of amount, customer, quality, percentage, net open

devisa neto, termasuk verifikasi perhitungan kecukupan position, including the verification of minimum capital
modal minimum dan ATMR masing-masing risiko, serta adequacy and Risk-Weighted Assets of each risk, and the
perhitungan giro wajib minimum. calculation of minimum statutory reserves.
g. Penilaian terhadap penerapan pengendalian internal g. Assessment of the Bank’s comprehensive implementation
Bank secara komprehensif, termasuk kehandalan dalam of internal controls, including reliability in the reporting
sistem pelaporan. system.
h. Penilaian terhadap metode penghitungan EIR serta h. Assessment of EIR calculation method and verification
verifikasi perhitungan dengan menggunakan program of calculation using the newly installed PSAK engine
PSAK engine yang baru diinstall. program.
i. Hal-hal lain sebagaimana dengan hasil pemeriksaan i. Other matters according the result of the last audit
Otoritas Jasa Keuangan yang terakhir. conducted by Financial Services Authority.
3. Imbalan Jasa Audit 3. Audit Services Fee

Kenaikan besaran fee telah memperhitungkan kenaikan inflasi, The increase in fee amount has considered the increase in
walaupun ruang lingkup pekerjaan relatif tetap, agar Bank inflation, although the work scope is relatively fixed, so the Bank
memperhitungkan dengan kewajaran dan ruang lingkup pekerjaan determines the fee with due regards to the fairness and work
dengan telah bertambahnya kantor-kantor di luar kota. scope with the increase in number of offices in other cities.
4. Keahlian dan Pengalaman Kantor Akuntan Publik, Akuntan 4. Expertise and Experience of Public Accounting Firm, Public
Publik dan Tim Audit Accountant, and Audit Team
Bahwa berdasarkan data dari otoritas, KAP Tanudireja That based on data from the authorities, Public Accountant
Wibisana dan Rintis yang terafiliasi dengan Pricewaterhouse Firm Tanudireja Wibisana and Rintis is affiliated with
Cooper yang merupakan kantor akuntan publik yang tergolong Pricewaterhouse Cooper which is one the big four public
the big four, sehingga kualitas, kompetensi dan integritas accounting firms, so its quality, competence, and integrity
dapat diyakini cukup baik. Dari hal ini diharapkan jasa yang can be believed to be good. Thus, it is expected that the
diberikan dapat memberikan nilai tambah bagi integritas services provided can give added value for the integrity
informasi keuangan Bank sesuai prinsip akuntansi keuangan of the Bank’s financial information in accordance with the
yang berlaku. applicable financial accounting principles.
Dengan adanya ketentuan dan untuk menghindari risiko salah With such provision and to avoid the risk of misstatement
saji dan kelalaian, diperlukan fresh eyes perspectives, maka and negligence, fresh-eyes perspective is required, so the
akuntan publik sebagai penanggung jawab pemeriksaan perlu public accountant as the person in charge of the audit needs
dilakukan rotasi dan penggantian. Untuk itu, rotasi akuntan rotation and replacement. For this reason, the rotation of
publik dilakukan dengan tidak menunjuk lagi Saudara Lucy public accountant is carried out by not appointing Lucy
Luciani Suhenda sebagai penanggung jawab. Luciani Suhenda as the person in charge anymore.
5. Metodologi, Teknik, dan Sarana Audit yang Digunakan 5. Methodology, Technique, and Facilities of Audit Used
a. Melakukan pemeriksaan dan rekonsiliasi jurnal manual, a. Conduct the audit and reconciliation of manual journals,
buku besar dan penyesuaian yang dilakukan, mengingat ledgers, and adjustments made, since there are manual
masih terdapat jurnal manual yang berpotensi terjadi journals that have the potential for errors/irregularities/
kesalahan/penyimpangan/kecurangan. fraud.
b. Mengkaji ulang pengakuan pendapatan, termasuk b. Review revenue recognition, including test and proofing
melakukan test dan proofing atas perhitungan besaran on the calculation of EIR and others.
EIR dan lainnya.
c. Mengkaji ulang kecukupan cadangan atas loan impairment, c. Review the adequacy of reserves for loan impairment, by
dengan melakukan review perhitungan secara individual reviewing the calculations individually and collectively as
dan kolektif dan juga penghitungan LGD. well as LGD calculation.
d. Mengkaji ulang dana pihak ketiga dengan melakukan d. Review third-party funds by verifying the ledger in
verifikasi buku besar di neraca dan biaya bunga serta the balance sheet and interest expenses and making
melakukan konfirmasi. confirmation.
e. Mengkaji ulang AYDA, termasuk evaluasi action e. Review the Foreclosed Assets, including evaluation
plan penyelesaiannya dan perhitungan kecukupan of action plan and its settlement and calculation of
pencadangan berdasarkan asumsi 2 (dua) tahun terjual. adequacy of reserves with the assumption that it will be
sold in 2 (two) years.
f. Mengkaji ulang investasi pada surat-surat berharga, serta f. Conduct review of investment in marketable securities,
perlakuan akutansi dan pencatatan klasifikasi maupun accounting treatment, recording of classification, and
valuasinya. valuation of the investment.
g. Melakukan kajian atas Entitas Anak, Bank Syariah, g. Conduct review of Subsidiaries, Sharia Banks, particularly
terutama hal yang signifikan, seperti kecukupan cadangan significant matters, such as the adequacy of financing
pembiayaan dan amortisasi fee dan biaya transaksi. reserves, fee amortization, and transaction charges.

6. Manfaat Fresh Eyes Perspectives yang Akan Diperoleh Melalui 6. Benefit of Fresh Eye Perspective Obtained Through
Penggantian Kantor Akuntan Publik, Akuntan Publik dan Tim Replacement of Public Accounting Firm, Public Accountant,
Audit and Audit Team
Adanya potensi risiko atas penggunaan jasa audit oleh kantor The potential risk of using audit services provided by the
akuntan publik yang sama secara berturut-turut untuk kurun same public accounting firm consecutively during the
waktu yang cukup panjang, dimitigasi dengan penggantian considerable period of time is mitigated by replacing the
penanggung jawab, walaupun masih dalam kantor akuntan person in charge of the audit by another person although in
publik yang sama, sehingga diharapkan akan dapat the same public accounting firm, so the results are expected
diperoleh hasil yang lebih, mengingat bahwa kualitas Kantor to be better, considering the fact that the quality of Public
Akuntan Publik Tanudiredja, Wibisana, Rintis dan Rekan Accounting Firm Tanudiredja, Wibisana, Rintis and Rekan
(Pricewaterhouse Cooper) telah dikenal dengan baik selama (Pricewaterhouse Cooper) has been well-known, and there
ini, dan perbaikan yang dirasa dalam penerapan pengendalian has been good improvement in the application of internal
internal yang cukup baik. Namun demikian, Komite akan tetap control. However, the Committee will conduct the monitoring
melakukan pemantauan secara terus menerus agar potensi continuously so that the potential risk of insensitivity can be
risiko atas ketidakpekaan dapat dideteksi lebih dini. detected earlier.
Rapat Komite Audit Audit Committee Meeting

Kebijakan Rapat Komite Audit Policy of Audit Committee Meeting
Komite Audit wajib mengadakan rapat sekurang-kurangnya The Audit Committee must hold meetings at least 1 (one) time
1 (satu) kali dalam 3 (tiga) bulan, yang dipimpin langsung oleh in 3 (three) months, which is led directly by the Chairman of
Ketua Komite Audit. Komite Audit juga dapat melaksanakan the Audit Committee. The Audit Committee also can carry out
rapat tambahan atas usulan setiap anggota Komite Audit. Selain additional meetings at the suggestion of each member of the
anggota Komite Audit, rapat Komite Audit juga dapat mengundang Audit Committee. In addition to the Audit Committee members,
Divisi SKAI/Integrated and Anti Fraud dan/atau Direktur yang Audit Committee meeting also can invite the Internal Audit Work
membawahi Divisi tersebut, serta Pejabat Eksekutif Bank, kantor Unit /Integrated and Anti Fraud Division and/or the Director in
akuntan publik yang menjadi auditor eksternal Bank, ataupun charge of the Division, as well as Bank Executive Officers, public
penasehat ahli, jika diperlukan. accountant firm who has been appointed as the Bank’s external
auditors, or expert advisors, if needed.
Frekuensi dan Kehadiran Rapat Komite Audit Meeting Frequency and Attendance of Audit
Committee
Pada tahun 2019, Komite Audit menyeleggarakan rapat sebanyak In 2019, the Audit Committee held 6 (six) meetings with the
6 (enam) kali dengan tingkat kehadiran rata-rata rapat sebesar average attendance level of 100.00%. Meeting frequency and
100,00%. Berikut uraian frekuensi dan kehadiran rapat Komite Audit. attendance of Audit Committee are as follows.

%
Ketua
Gunawan Tenggarahardja 6 6 100.00
Chairman
Anggota
Member
Anggota
Member
6
Anggota
Yozef Abdulrachman** 2 100.00
Member
Rata-Rata Kehadiran
100.00
Average Attendance
Agenda Rapat Komite Audit Meeting Agenda of Audit Committee

Uraian agenda rapat Komite Audit Bank pada tahun 2019 sebagai Throughout 2019, meeting date, meeting Agenda and meeting
berikut. Participants of Audit Committee are as follows.


a. Satuan Kerja Audit Internal:

Hadir
· Memperbaharui status Audit sampai dengan Februari 2019; Gunawan Tenggarahardja
Present
· Permasalahan yang signifikan;
· Perubahan Standar Pelaksanaan Fungsi Audit Intern Bank
(SPFAIB) yang terbaru.
b. Divisi Kepatuhan: Hadir
· Peraturan baru tahun 2019. Retno Dwijanti Widaningsih
Present
· Tindak lanjut temuan Otoritas Jasa Keuangan.
27 Februari 2019
27 February 2019 a. Internal Audit Work Unit:
• Updating the Audit status until February 2019;
• Significant problems; Hadir
Teguh Sukaryanto*
• The latest amendments to the Standards for the Present
Implementation of Bank Internal Audit Function (SPFAIB).
b. Compliance Division:
• New regulations in 2019.
Tidak Hadir
• Following-up on findings of the Financial Services Yozef Abdulrachman**
Absent
Authority.
Presentasi Kantor Akuntan Publik Tanudiredja, Wibisana Rintis

& Rekan (Price Waterhouse Coopers) oleh M Jusuf Wibisana Hadir
tentang hasil audit Bank Victoria tahun buku 2019 dengan agenda: Present
a. Ringkasan Eksekutif.;
b. lkhtisar Keuangan;
c. Area yang menjadi perhatian;
d. Pengendalian lnternal; dan Hadir
e. Audit Adjustment, Client Late Adjustments and Summary of Absent
Uncorrected Misstatements.
6 Maret 2019
6 March 2019 Presentation of Public Accountant Firm Tanudiredja, Wibisana,
Rintis, & Partners (Price Waterhouse Coopers) by M Jusuf Hadir
Teguh Sukaryanto*
Wibisana on the audit results of Bank Victoria for the 2019 fiscal Present
year with the agenda:
a. Executive Summary;
b. Financial Summary;
c. Area of concern;
Tidak Hadir
d. Internal Control; and Yozef Abdulrachman**
Absent
e. Audit Adjustment, Client Late Adjustments, and Summary of
Uncorrected Misstatements.
a. Evaluasi pelaksanaan jasa audit informasi keuangan Bank Hadir

Victoria tahun buku 2018 oleh M Jusuf Wibisana, dari KAP Gunawan Tenggarahardja
Present
Tanudiredja, Wibisana, Rintis & Rekan (Price Waterhouse
Coopers); dan
b. Kinerja SKAI dan tindak lanjut temuan SKAI sampai dengan Hadir
Maret 2019. Present
3 Mei 2019
3 May 2019 a. Evaluation of the implementation of audit services on Bank
Victoria’s financial information for the 2018 fiscal year by M Hadir
Jusuf Wibisana, from KAP Tanudiredja, Wibisana, Rintis & Teguh Sukaryanto*
Present
Partners (Price Waterhouse Coopers); and
b. Internal Audit performance and follow-up from Internal Audit
findings until March 2019. Tidak Hadir
Absent
Hadir
Present
Tindak lanjut SKAI atas Surat Otoritas Jasa Keuangan No. SR.13/ Hadir
30 Agustus 2019 PB.331/2019 tanggal 5 Agustus 2019 butir 7. Present
30 August 2019 Follow-up of SKAI on Financial Services Authority Letter No. Hadir
SR.13/PB.331/2019 dated 5 August 2019 point 7. Teguh Sukaryanto*
Present
Hadir
Present


Hadir
Present
Kick off meeting dengan Price Waterhouse Coopers untuk Hadir

4 Oktober 2019 General Audit tahun 2019. Present
4 October 2019 Kick off meeting with Price Waterhouse Coopers for General Tidak Hadir
Audit in 2019. Teguh Sukaryanto*
Absent
Hadir
Present
Hadir
Present
Membahas Peraturan Otoritas Jasa Keuangan No. 1/ Hadir
POJK.03/2019 tentang Penerapan Fungsi Audit pada Bank Zaenal Abidin, PhD
Present
Umum dan Pelaksanaan Audit Satuan Kerja Audit Internal
sampai dengan November 2019. Hadir
13 November 2019 Retno Dwijanti Widaningsih
Discussion of Financial Services Authority Regulation No. Present
1/POJK.03/2019 on Implementation of Audit Functions at
Commercial Banks and Implementation of Audit of the Internal Tidak Hadir
Teguh Sukaryanto*
Audit Work Unit until November 2019. Absent
Hadir
Present
** Efektif menjabat pada 13 September 2019 / Start of effective term of office as of September, 13 2019.
Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report on The Implementation of Audit
Audit Tahun 2019 Committee Activities in 2019
Sepanjang tahun 2019, Komite Audit telah melakukan penelaahan Throughout 2019 the Audit Committee has conducted study and
dan peninjauan, baik melalui analisa laporan maupun melalui review, both through report analysis and through meetings; the
rapat yang hasilnya disampaikan kepada Dewan Komisaris, antara results have been submitted to the Board of Commissioners,
lain sebagai berikut. among others as follows.
1. Penelaahan Laporan Keuangan serta Pengendalian Internal 1. Reviewing the Financial Statements and Internal Controls
periode Desember 2018, Maret, Juni, dan September 2019, for periods of December 2018, March, June, and September
yakni dengan memberikan pendapat tentang Laporan 2019, by providing opinions on the Financial Statements and
Keuangan dan Pengendalian Internal periode Desember 2018, Internal Controls for periods of December 2018, March, June
Maret, Juni dan September 2019. and September 2019.
Komite Audit telah membuat Laporan Hasil Penelaahan (LHP) The Committee has made LHP review result as follows.
sebagai berikut.
No. Memo Tanggal Perihal

Memo No. Date Subject
Review Laporan Keuangan dan Pengendalian Internal periode Desember 2018
25 Januari 2019
005/KA/I/2019 Review of Financial Statements and Internal Controls for the period of December
25 January 2019
2018
3 Mei 2019 Review Laporan Keuangan dan Pengendalian Internal periode Maret 2019
011/KA/5/2019
3 May 2019 Review of Financial Statements and Internal Controls for the period of March 2019
24 Juli 2019 Review Laporan Keuangan dan Pengendalian Internal periode Juni 2019
018/KA/7/2019
24 July 2019 Review of Financial Statements and Internal Controls for the period of June 2019
Review Laporan Keuangan dan Pengendalian Internal periode September 2019

18 Oktober 2019
027/KA/10/2019 Review of Financial Statements and Internal Controls for the period of September
18 October 2019
2019
2. Melakukan penelaahan atas hasil LHP SKAI semester I dan II 2. Conduct review of Report of Audit Result (LHP) of SKAI for
2019, yakni dengan: Semester I and II 2019, namely by:
a. Memonitor realisasi Audit Divisi SKAI sesuai Rencana a. Monitoring the realization of audit of SKAI Division in
Kerja SKAI tahun 2019, dan melaporkannya kepada Dewan accordance with Work Plan of SKAI 2019, and report it to
Komisaris; the Board of Commisioners;

b. Memberikan saran untuk pemenuhan rencana kerja Divisi b. Giving advices for fulfilling the 2019 work plan of SKAI
SKAI 2019; Division;
c. Memberi catatan pendalaman atas obyek dan substansi c. Giving notes on deepening the object and substance of
pemeriksaan; dan the audit; and
d. Memberikan rekomendasi untuk memberikan d. Giving recommendation for increasing activities of
peningkatan aktivitas pengendalian internal di masing internal control in each work unit such as in the Division
masing unit kerja, seperti Divisi di Kantor Pusat, Kantor of at Head Office, Branch Office/Subbranch Office/KK.
Cabang/Kantor Cabang Pembantu/Kantor Kas.
Komite Audit telah membuat hasil penelaahan LHP sebagai The Committee has made LHP review result as follows.
berikut.

2 Januari 2019 Penelaahan LHP SKAI Divisi Corporate Banking
001/KA/1/2019
2 January 2019 Review of SKAI Audit Report (LHP) for Corporate Banking Division
Penelaahan LHP SKAI KCU Senayan bidang Operasional dan Perkreditan

5 Januari 2019
002/KA/5/2019 Review of SKAI Audit Report (LHP) for Senayan Main Branch Office (KCU),
5 January 2019
Operations and Credit sectors
9 Januari 2019 Penelaahan LHP SKAI Divisi Special Asset Management (SAM)
003/KA/1/2019
9 January 2019 Review of SKAI Audit Report (LHP) for Special Asset Management (SAM) Division
25 Januari 2019 Penelaahan LHP SKAI Divisi Risk Management /Integrated

006/KA/1/2019
25 January 2019 Review of SKAI Audit Report (LHP) for Risk Management/Integrated Division
Penelaahan LHP SKAI untuk Pengembangan (Core Banking dan Non Core Banking),
25 Januari 2019 Data Center, dan DRC
007/KA/1/2019
25 January 2019 Review of SKAI Audit Report (LHP) for Development (Core Banking and Non-Core
Banking), Data Center, and DRC
Penelaahan LHP SKAI KCU Fatmawati bidang Operasional dan Perkreditan

8 Maret 2019
008/KA/3/2019 Review of SKAI Audit Report (LHP) for Fatmawati Main Branch Office (KCU),
8 March 2019
Penelaahan LHP SKAI KC Bogor bidang Operasional dan Perkreditan

20 Maret 2019
009/KA/3/2019 Review of SKAI Audit Report (LHP) for Bogor Branch Office (KC), Operations and
20 March 2019
Credit sectors
Penelaahan LHP SKAI KC Bali bidang Operasional dan Perkreditan

22 Maret 2019
010/KA/3/2019 Review of SKAI Audit Report (LHP) for Bali Branch Office (KC), Operations and
22 March 2019
Credit sectors
Penelaahan LHP SKAI KCU Cideng bidang Operasional dan Perkreditan

22 Mei 2019
013/KA/5/2019 Review of SKAI Audit Report (LHP) for Cideng Main Branch Office (KCU), Operations
22 May 2019
and Credit sectors
22 Mei 2019 Evaluasi Piagam Audit Satuan Kerja Audit Intern

014/KA/5/2019
22 May 2019 Evaluation of Audit Charter of Internal Audit Work Unit
Penelaahan LHP SKAI KCU Kelapa Gading bidang Operasional dan Perkreditan
3 Juli 2019
015/KA/7/2019 Review of SKAI Audit Report (LHP) for Kelapa Gading Main Branch Office (KCU),
3 July 2019
3 Juli 2019 Penelaahan LHP SKAI Divisi Human Capital Management

016/KA/7/2019
3 July 2019 Review of SKAI Audit Report (LHP) for Human Capital Management Division
3 Juli 2019 Penelaahan LHP SKAI Unit Kerja General Affair

017/KA/7/2019
3 July 2019 Review of SKAI Audit Report (LHP) for General Affair Work Unit
9 Agustus 2019 Penelaahan LHP SKAI Divisi Multi Finance

019/KA/8/2019
9 August 2019 Review of SKAI Audit Report (LHP) for Multi Finance Division
Penelaahan LHP SKAI Divisi Compliance/Integrated, AML & System Procedure

21 Agustus 2019
022/KA/8/2019 Review of SKAI Audit Report (LHP) for Compliance/Integrated, AML & System
21 August 2019
Procedure Division
Penelaahan LHP SKAI KC Surabaya bidang Operasional dan Perkreditan

023/KA/9/2019 13 September 2019 Review of SKAI Audit Report (LHP) for Surabaya Branch Office (KC), Operations and
Credit sectors
Penelaahan LHP SKAI Divisi Operasional

024/KA/9/2019 25 September 2019
Review of SKAI Audit Report (LHP) for Operations Division


Penelaahan LHP SKAI KC Semarang bidang Operasional dan Perkreditan
9 Oktober 2019
025/KA/10/2019 Review of SKAI Audit Report (LHP) for Semarang Branch Office (KC), Operations and
9 October 2019
Credit sectors
11 Oktober 2019 Penelaahan LHP SKAI Divisi Corporate Banking

026/KA/10/2019
11 October 2019 Review of SKAI Audit Report (LHP) for Corporate Banking Division
Penelaahan LHP SKAI untuk Pelaksanaan Audit Integrated Grup Victoria TW III 2019
028/KA/11/2019 6 November 2019 Review of SKAI Audit Report (LHP) for Implementation of Victoria Group’s Integrated
Audit Quarter III 2019
Penelaahan LHP SKAI KCU BIP bidang Operasional dan Perkreditan

029/KA/11/2019 13 November 2019 Review of SKAI Audit Report (LHP) for BIP Main Branch Office (KCU), Operations
and Credit sectors
Penelaahan LHP SKAI Divisi Risk Management/Integrated

030/KA/11/2019 13 November 2019
Review of SKAI Audit Report (LHP) for Risk Management/Integrated Division
3 Desember 2019 Penelaahan LHP SKAI Divisi Credit Risk Review

031/KA/12/2019
3 December 2019 Review of SKAI Audit Report (LHP) for Credit Risk Review Division
Penelaahan LHP SKAI KCU Senayan bidang Operasional dan Perkreditan

13 Desember 2019
032/KA/12/2019 Review of SKAI Audit Report (LHP) for Senayan Main Branch Office (KCU),
13 December 2019
Penelaahan LHP SKAI KC Manado bidang Operasional dan Perkreditan

13 Desember 2019
033/KA/12/2019 Review of SKAI Audit Report (LHP) for Manado Branch Office (KC), Operations and
13 December 2019
Credit sectors
18 Desember 2019 Penelaahan LHP SKAI Divisi SME dan Konsumer

034/KA/12/2019
18 December 2019 Review of SKAI Audit Report (LHP) for SME and Consumer Division
18 Desember 2019 Penelaahan LHP SKAI Divisi Commercial Banking

035/KA/12/2019
18 December 2019 Review of SKAI Audit Report (LHP) for Commercial Banking Division
20 Desember 2019 Penelaahan LHP SKAI Divisi IT Core Banking

036/KA/12/2019
20 December 2019 Review of SKAI Audit Report (LHP) for Core Banking IT Division
Penelaahan LHP SKAI KC Bandung bidang Operasional dan Perkreditan

27 Desember 2019
037/KA/12/2019 Review of SKAI Audit Report (LHP) for Bandung Branch Office (KC), Operations and
27 December 2019
Credit sectors
3. Melakukan evaluasi pelaksanaan jasa audit atas Informasi 3. Conduct evaluation regarding the implementation of Audit
Keuangan oleh akuntan publik dan kantor akuntan publik (KAP) Services on Financial Information by AP & KAP of fiscal year
tahun buku 2018, sesuai Peraturan Otoritas Jasa Keuangan No. 2018, where in accordance with POJK No. 13/POJK.03/2017
13/POJK.03/2017 dan Surat Edaran Otoritas Jasa Keuangan and SEOJK No. 36/SEOJK.03/2017 concerning the Services
No. 36/SEOJK.03/2017 tentang Jasa Akuntan Publik dan/atau of Public Accountant (AP) and/or Public Accountant Firm
Kantor Akuntan Publik, maka KAP Tanudiredja, Wibisana, (KAP), KAP Tanudiredja, Wibisana, Rintis & Partners has met
Rintis & Rekan telah memenuhi harapan Dewan Komisaris expectation of the Board of Commissioners in conducting
dalam melakukan uji pemeriksaan secara independen atas independent audit trial of the proofsheet, manual notes and
proofsheet, pencatatan manual serta memeriksa dokumen non auditing non-financial documents as the supports, as well as
keuangan sebagai pendukungnya, serta meyakini tidak adanya believing that there is no material fraud in fiscal year 2018.
fraud yang cukup material tahun buku 2018.
Komite Audit telah melakukan evaluasi melalui Memorandum The Committee has conducted evaluation through a
No. 012/KA/5/2019 tanggal 8 Mei 2019 perihal Evaluasi Memorandum No. 004/KA/04/2018 dated 11 April 2018
pelaksanaan jasa audit informasi keuangan PT Bank Victoria regarding Evaluation of the implementation on financial
International Tbk tahun buku 2018 oleh M Jusuf Wibisana, dari information audit service of PT Bank Victoria Int’l Tbk. for the
KAP Tanudiredja, Wibisana, Rintis & Rekan (Price Waterhouse fiscal year 2017 by Mr. M Jusuf Wibisana, from KAP Tanudiredja,
Coopers). Wibisana, Rintis & Rekan (Price Waterhouse Coopers).
4. Memberikan rekomendasi penunjukkan KAP untuk general 4. Giving recommendation on the appointment of Public
audit atas Laporan Keuangan PT Bank Victoria International Accountant Firm (KAP) for general audit of Financial
Tbk tahun buku yang berakhir pada 31 Desember 2018, yang Statements of PT Bank Victoria International Tbk for the fiscal
hal ini merujuk pada: year ended on 31 December 2018, in this case refers to:
a. Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 a. POJK 6/POJK.03/2015 concerning Transparency and
tentang Transparansi dan Publikasi Laporan Bank, Publication of Bank Reports, POJK 29/POJK.04/2016

Peraturan Otoritas Jasa Keuangan No. 29/POJK.04/2016 concerning Annual Report of Stock Issuers or Public
tentang Laporan Tahunan Emiten atau Perusahaan Companies, and POJK 13/POJK.03/2017, therefore, banks
Publik, serta Peraturan Otoritas Jasa Keuangan No. must appoint Public Accountants and Public Accountant
13/POJK.03/2017, maka Bank wajib menunjuk Akuntan Firms listed in Bank Indonesia and the Appointment of the
Publik dan Kantor Akuntan Publik yang telah terdaftar same Public Accountant by Bank shall be conducted at a
di Bank Indonesia dan Penunjukan Akuntan Publik yang maximum of audit period of 3 (three) consecutive fiscal
sama oleh Bank paling lama dilakukan untuk periode years;
audit 3 (tiga) tahun buku berturut-turut;
b. Merekomendasikan KAP yang akuntabel dan memiliki b. Recommend a Public Accountant Firm which is
reputasi baik, serta terdaftar dalam daftar KAP di website accountable and has good reputation, and listed in the
Bank Indonesia dan Otoritas Jasa Keuangan dan tidak list of KAP on the website of Bank Indonesia and OJK and
termasuk dalam daftar hitam, yakni KAP Tanudiredja, is not included in the black list, namely KAP Tanudiredja ,
Wibisana, Rintis & Rekan; dan Wibisana, Rintis & Partners; and
c. Rekomendasi Komite Audit dituangkan dalam c. The recommendation of the Committee is set forth in
Memorandum No. 021/KA/8/2019 tanggal 14 Agustus 2019 Memorandum No. 006/KA/V/2018 dated 2 May 2018
tentang Rekomendasi Komite Audit dalam Penunjukan regarding Recommendation of the Audit Committeet
Akuntan Publik dan/atau Kantor Akuntan Publik. on the Appointment of Public Accountant and/or Public
Accountant Firm.
5. Dalam rangka mendiskusikan dan membahas hal-hal yang 5. In the framework of discussing matters relating to internal
berhubungan pengendalian internal, Komite Audit telah control, the Committee has held 7 (seven) times Audit
melakukan 7 (tujuh) kali rapat Komite Audit, diantaranya Committee meetings, among them 2 (two) times were
2 (dua) kali rapat dengan SKAI, yang antara lain membahas: meetings with SKAI, which among other discussing:
a. Hasil Audit yang dilakukan oleh SKAI; a. Audit results conducted by SKAI;
b. Progres hasil pemeriksaan dengan Rencana Kerja Audit b. Progress of audit results versus Audit Work Plan of Year
Tahun (RAKT) 2019; dan (RAKT) 2019; and
c. Memberikan rekomendasi, pembinaan, dan pengarahan c. Provide recommendation, coaching and direction to SKAI
kepada Divisi SKAI dalam pelaksanaan pemeriksaan dan Division in implementing audit and the writing of LHP of
penulisan LHP Risk Based Audit. Risk Based Audit.
Komite Tata Kelola Terintegrasi Integrated Governance Committee

Sebagai lembaga jasa keuangan yang memiliki hubungan As a financial service institution that has ownership and / or
kepemilikan dan/atau pengendalian dalam konglomerasi jasa control relations in financial services conglomeration, Banks are
keuangan, Bank wajib menerapkan tata kelola secara terintegrasi required to implement governance in an integrated manner in
untuk meningkatkan kompleksitas transaksi dan interaksi antar order to increase the complexity of transactions and interactions
lembaga jasa keuangan dalam konglomerasi keuangan. Oleh sebab among financial service institutions in financial conglomeration.
itu, Bank Victoria membentuk Komite Tata Kelola Terintegrasi Therefore, Bank Victoria established an Integrated Governance
sebagai organ pengawasan di tingkat Dewan Komisaris yang Committee as a monitoring organ at Board of Commissioners’ level,
berperan dalam memberikan rekomendasi atau nasihat kepada which has a role in giving recommendations or advice to the Board
Dewan Komisaris terkait pelaksanaan kebijakan yang dimaksud. of Commissioners regarding the implementation of such policy.
Komite Tata Kelola Terintegrasi telah melaksanakan tugasnya The Integrated Governance Committee has performed its duties
sesuai dengan peraturan, yaitu: in accordance with the regulations, which are:
tanggal 25 Mei 2015 tentang Penerapan Manajemen Risiko SEOJK.03/2015 dated 25 May 2015 on Implementation
Terintegrasi bagi Konglomerasi Keuangan; of Integrated Risk Management for Financial Services
Conglomeration;
tanggal 25 Mei 2015 tentang Penerapan Tata Kelola SEOJK.03/2015 dated 25 May 2015 on Implementation
Terintegrasi bagi Konglomerasi Keuangan; of Integrated Governance for Financial Services
Conglomeration;
3. Surat Direksi No. 052/DIR-EKS/03/15 tanggal 26 Maret 2015 3. Board of Directors Letter No. 052/DIR-EKS/03/15 dated
tentang Laporan LJK Entitas Utama dan LJK yang menjadi 26 March 2015 on Report of Financial Services Institution
Anggota Konglomerasi Keuangan; Primary Entity and Financial Services Institution as member
of a Financial Services Conglomeration;
4. Surat Keputusan Komisaris No. 002/SK-KOM/04/05/15 4. Decree of the Board of Commissioners No. 002/
tanggal 29 Mei 2015 tentang Penerapan Direksi dan Dewan SKKOM/04/05/15 dated 29 May 2015 on Implementation of

Komisaris Entitas Utama dalam Rangka Tata Kelola Board of Directors and Board of Commissionersof Primary
Terintegrasi Group Konglomerasi Keuangan PT Bank Victoria Entity in the context of PT Bank Victoria International Tbk.
International Tbk; Financial Services Conglomeration Integrated Governance;
5. Peraturan Otoritas Jasa Keuangan No.17/POJK.03/2014 5. Regulation of the Financial Services Authority No. 17/
tanggal 18 November 2014 tentang Penerapan Manajemen SEOJK.03/2014 dated 18 November 2014 on Implementation
Risiko Terintegrasi bagi Konglomerasi Keuangan; dan of Integrated Risk Management for Financial Services
Conglomeration; and
6. Peraturan Otoritas Jasa Keuangan No.18/POJK.03/2014 6. Regulation of the Financial Services Authority No. 18/
tanggal 18 November 2014 tentang Penerapan Tata Kelola SEOJK.03/2014 dated 18 November 2014 on Implementation
Terintegrasi bagi Konglomerasi Keuangan. of Integrated Risk Management for Financial Services
Conglomeration.
Pedoman Komite Tata Kelola Terintegrasi Guidelines of Integrated Governance Committee

Komite Tata Kelola Terintegrasi berpedoman pada Piagam In performing its role, the Integrated Governance Committee
Komite Tata Kelola Terintegrasi dalam menjalankan perannya. refers to the Integrated Governance Committee’s Charter, which
Piagam tersebut yang disusun sesuai peraturan dan perundang- was prepared in accordance with prevailing laws and regulations.
undangan yang berlaku. Adapun Piagam Komite Tata Kelola The Integrated Governance Committee’s Charter was ratified
Terintegrasi disahkan berdasarkan Surat Keputusan Direksi based on Decision of the Board of Directors No. 003/SK-DIR/10/15
No. 003/SKDIR/10/15 tanggal 27 Oktober 2015 tentang Pedoman dated 27 October 2015 on Guideline and Code of Conduct of the
dan Tata Tertib Kerja Komite Tata Kelola Terintegrasi Grup Victoria Group Integrated Governance Committee, and amended
Victoria yang telah diubah berdasarkan Keputusan Direksi based on Directors Decree No. 006/SK-DIR/06/17 dated 20 June
No. 006/SK-DIR/06/17 tanggal 20 Juni 2017 tentang Pedoman dan 2017 on Guideline and Rules of Order of the Integrated Governance
Tata Tertib Kerja Integrated Governance Committe. Committee.
Uraian lebih jelas mengenai isi Piagam Komite Tata Kelola Further explanation on the content of Bank Victoria’s Integrated
Terintegrasi Bank Victoria dapat dilihat pada situs web Bank Governance Committee Charter can be viewed on the Bank’s
bagian Tata Kelola (www.victoriabank.co.id/komite-tata- website on Governance section (www.victoriabank.co.id/komite-
kelolaterintegrasi/). tata-kelolaterintegrasi/).
Tugas dan Tanggung Jawab Komite Tata Kelola Duties and responsibilities of the Integrated
Terintegrasi Governance Committee
Uraian tugas dan tanggung jawab Komite Tata Kelola Terintegrasi Description of duties and responsibilities of the Integrated
sebagai berikut. Governance Committee are.

Mengevaluasi pelaksanaan tata kelola terintegrasi paling sedikit melalui Komite Tata Kelola Terintegrasi telah melakukan kondisi konglomerasi
penilaian kecukupan pengendalian internal dan pelaksanaan fungsi keuangan Group Victoria dan penjelasan Satuan Kerja Manajemen Risiko
kepatuhan secara terintegrasi. Terintegrasi dan Satuan Kerja Audit Internal Terintegrasi periode semester
Evaluate the implementation of integrated governance at least through I dan II 2019.
internal controls adequacy assessment and implementation of compliance The Integrated Governance Committee has evaluated the condition of
function in an integrated manner. Victoria Group’s Financial Conglomeration and the explanation of the
Integrated Risk Management Work Unit and Integrated Internal Audit Work
Unit for the first and second semester of 2019.
Memberikan rekomendasi kepada Dewan Komisaris Entitas Utama untuk Secara umum Tata Kelola Terintegrasi, khususnya Good Corporate
penyempurnaan Pedoman Tata Kelola Terintegrasi. Governance sudah lebih baik dibandingkan Semester II 2018, namun Komite
Provide recommendations to the Main Entity’s Board of Commissioners to Tata Kelola Terintegrasi memberikan saran beberapa hal perlu ditindak
improve the Integrated Governance Guideline. lanjuti sebagai berikut.
1. Agar segera dipenuhi jabatan yang kosong yaitu Komisaris lndependen
untuk Victoria Manjemen lnvestasi dan Direktur Utama dan Komisaris
Utama untuk Victoria Alife; dan
2. Victoria ALife melengkapi dokumen Good Corporate Governance.
In general, the Integrated Governance, particularly Good Corporate
Governance, was already better than that of the second semester of 2018,
but the Integrated Governance Committee suggested that a number of
matters need to be followed up as follows.
1. Vacant positions shall immediately be filled, which are Independent
Commissioner for Victoria Manajemen lnvestasi, and President Director
and President Commissioner for Victoria Alife; and
2. Victoria ALife shall complete its Good Corporate Governance documents.
Melaksanakan rapat paling sedikit 1 (satu) kali setiap semester. Telah melaksanakan rapat sebanyak 3 (tiga) kali pada tahun 2019.
Hold meetings at least 1 (one) time each semester. Held 3 (three) meetings in 2019.

Wewenang Komite Tata Kelola Terintegrasi Authority of the Integrated Governance Committee
1. Memberikan rekomendasi terkait dengan pelaksanaan tata 1. Provides recommendations related to the integrated
kelola terintegrasi untuk meningkatkan kualitas GCG dalam governance implementation to improve the quality of good
Konglomerasi Keuangan, sehingga integrasi antara Bank governance in Financial Conglomerate and the integration
Victoria sebagai Entitas Utama Grup Victoria dan seluruh between PT Bank Victoria International Tbk as the Victoria
Lembaga Jasa Keuangan (LJK) Grup Victoria dapat berjalan Group’s Main Entity and the entire Victoria Group Financial
dengan baik dan memenuhi prinsip kehati-hatian yang pada Services Institution (FSI) can operate well and comply with
akhirnya dapat mewujudkan Konglomerasi Keuangan yang prudential principles, which resulted in a stable, highly
stabil, memiliki daya saing tinggi dan berkelanjutan; competitive and sustainable Financial Conglomerate;
2. Melakukan pengawasan atas penerapan tata kelola pada seluruh 2. Oversees the implementation of governance in all Financial
LJK agar sesuai dengan Pedoman Tata Kelola Terintegasi; Services Institutions (FSI) to comply with Integrated
Governnce guidelines;
3. Melakukan pengawasan atas pelaksanaan tugas dan tanggung 3. Supervisess the execution of duties and responsibilities of
jawab Direksi serta memberikan arahan atau nasihat kepada the PT Bank Victoria International Tbk Board of Directors
Direksi atas pelaksanaan Pedoman Tata Kelola Terintegrasi; dan and provide direction or recommendation to the Board of
Directors for the implementation of Integrated Governance
Guidelines; and
4. Mengevaluasi Pedoman Tata Kelola Terintegrasi secara 4. Evaluates the Integrated Governance Guidelines periodically
berkala dan memberikan arahan kepada Direksi dalam rangka and provide direction to PT Bank Victoria International Tbk
penyempurnaan Pedoman Tata Kelola Terintegrasi. Board of Directors to improve the Integrated Governance
Guidelines.
Komposisi Komite Tata Kelola Terintegrasi Composition of the Integrated Governance

Committee
Keanggotaan Komite Tata Kelola Terintegrasi paling sedikit Composition of the Integrated Governance Committee consists
terdiri dari: of at least:
1. Seorang Komisaris Independen yang menjadi Ketua pada 1. An Independent Commissioner who is the Chairman of one of
salah satu Komite pada Bank diangkat sebagai Ketua the Bank’s Committees is appointed as Chairman concurrently
merangkap anggota Komite Tata Kelola Terintegrasi; member of the Integrated Governance Committee;
2. Komisaris Independen yang mewakili dan ditunjuk dari Entitas 2. The Independent Commissioner representing and appointed
dalam konglomerasi keuangan diangkat sebagai anggota; by the Entity in a financial conglomeration is appointed as a
member;
3. Seorang pihak independen yang diangkat sebagai anggota; dan 3. An independent party appointed as a member; and
4. Anggota Dewan Pengawas Syariah dari Entitas dalam 4. Member of Syariah Supervisory Board of the Entity in a
konglomerasi keuangan diangkat sebagai anggota. financial conglomeration is appointed as member.
Adapun jumlah dan komposisi Komisaris Independen yang menjadi The number and composition of the Independent Commissioners
anggota Komite Tata Kelola Terintegrasi dapat disesuaikan who are members of the Integrated Governance Committee can
dengan kebutuhan konglomerasi keuangan, serta efisiensi dan be adjusted to the financial conglomeration needs as well as the
efektivitas pelaksanaan tugas, dengan memperhatikan paling efficiency and effectiveness of duty implementation, taking the
sedikit keterwakilan masing-masing Entitas. minimum representation for each Entity into account.
Masa tugas Komite Tata Kelola Terintegrasi yang bukan The term of office of the Integrated Governance Committee who
merupakan anggota Dewan Komisaris tidak lebih lama dari is not a member of Board of Commissioners is no longer than the
masa jabatan Dewan Komisaris dengan tidak mengurangi hak term of office of Board of Commissioners, without prejudice to
Dewan Komisaris untuk memberhentikan. Masa tugas anggota the Board of Commissioners’ right to dismiss. The term of office
Dewan Komisaris yang merangkap sebagai Komite Tata Kelola of a member of Board of Commissioners who is also a member of
Terintegrasi, sama dengan masa kerja penunjukannya sebagai the Integrated Governance Committee is the same as the term of
anggota Dewan Komisaris yang ditentukan oleh Rapat Umum office of the appointment as a member of Board of Commissioners,
Pemegang Saham (RUPS). which is determined by the General Meeting of Shareholders (GMS).
Periode Tahun 2018 2018 Period

Struktur dan keanggotan Komite Tata Kelola Terintegrasi periode The structure and composition of the Integrated Governance
tahun 2018 berdasarkan Keputusan Direksi No. 003/SK-DIR/08/17 Committee for the 2018 period based on Board of Directors’
tanggal 8 Agustus 2017 yang ditunjukkan sebagai berikut. Decision No. 003/SK-DIR/08/17 dated 8 August 2017 are shown as
follows.


Perbankan, Manajemen Risiko, dan
Ketua Komisaris/Komisaris Independen Good Corporate Governance
Zaenal Abidin, PhD
Chairman Commissioner/Independent Commissioner Banking, Risk Management, and
Anggota Komisaris/Komisaris Independen Perbankan dan Bisnis

Member Commissioner/Independent Commissioner Banking and Business

Oliver Simorangkir
Risk Management, Treasury, dan

Anggota Komisaris Utama Bank Victoria Syariah Perbankan
Sugiharto
Member President Commissioner of Bank Victoria Syariah Risk Management, Treasury, and
Banking
Anggota Direktur Utama PT Victoria Investama Tbk Pasar Modal

Aldo Tjahaja
Member President Director of PT Victoria Investama Capital Market
Hukum Islam termasuk Hukum

Anggota Dewan Pengawas Syariah Bank Victoria Syariah Muamalah/Ekonomi Islam
Hassanuddin
Member Syariah Supervisory Board of Bank Victoria Syariah Islamic Law includes Muamalah
Law/Islamic Economy
Asuransi Manajemen Risiko dan

Anggota Komisaris Independen PT Victoria Insurance Tbk Manajemen Keuangan
Vikas Tolani
Member Independent Commissioner of PT Victoria Insurance Tbk Risk Management and Finance
Management
Komisaris Independen PT Victoria Manajemen Investasi

Anggota Manajemen Investasi
Jejei Kurnia Independent Commissioner of PT Victoria Manajemen
Member Investment Management
Investasi
Asuransi
Anggota Komisaris Utama PT Victoria Alife Indonesia
Hertanto Tjahyasurya Insurance
Member President Commissioner of PT Victoria Alife Indonesia
Perbankan dan Audit

Anggota Pihak Independen
Retno Dwijanti Widaningsih Banking and Audit
Member Independent Party
Manajemen Risiko dan Perbankan.

Teguh Sukaryanto* Risk Management and Banking.
Periode Tahun 2019 2019 Period

Struktur dan keanggotan Komite Tata Kelola Terintegrasi periode The structure and composition of the Integrated Governance
tahun 2019 berdasarkan Keputusan Direksi No. 003/SK-DIR/08/17 Committee for the 2019 period based on Board of Directors’
tanggal 8 Agustus 2017 yang ditunjukkan sebagai berikut. Decision No. 003/SK-DIR/08/17 dated 8 August 2017 are shown
as follows.

Perbankan, Manajemen Risiko, dan
Ketua Komisaris/Komisaris Independen Good Corporate Governance
Zaenal Abidin, PhD
Chairman Commissioner/Independent Commissioner Banking, Risk Management, and
Anggota Komisaris/Komisaris Independen Perbankan dan Bisnis

Member Commissioner/Independent Commissioner Banking and Business

Oliver Simorangkir
Kepatuhan dan Risk Management

Anggota Komisaris Independen Bank Victoria Syariah Perbankan
Djoko Nugroho
Member President Commissioner of Bank Victoria Syariah Compliance and Risk Management
Banking
Anggota Direktur Utama PT Victoria Investama Tbk Pasar Modal

Aldo Tjahaja
Member President Director of PT Victoria Investama Capital Market


Hukum Islam termasuk Hukum
Anggota Dewan Pengawas Syariah Bank Victoria Syariah Muamalah/Ekonomi Islam
Hassanuddin
Member Syariah Supervisory Board of Bank Victoria Syariah Islamic Law includes Muamalah
Law/Islamic Economy
Asuransi Manajemen Risiko dan

Anggota Komisaris Independen PT Victoria Insurance Tbk Manajemen Keuangan
Vikas Tolani
Member Independent Commissioner of PT Victoria Insurance Tbk Risk Management and Finance
Management
Komisaris Independen PT Victoria Manajemen Investasi

Anggota Manajemen Investasi
Jejei Kurnia Independent Commissioner of PT Victoria Manajemen
Member Investment Management
Investasi
Asuransi
Anggota Komisaris Utama PT Victoria Alife Indonesia
Hertanto Tjahyasurya Insurance
Member President Commissioner of PT Victoria Alife Indonesia
Perbankan dan Audit

Retno Dwijanti Widaningsih Banking and Audit
Manajemen Risiko dan Perbankan.

Teguh Sukaryanto* Risk Management and Banking.
Anggota Pihak Independen Manajemen Risiko dan Perbankan.

Member Independent Party Risk Management and Banking.
Seluruh anggota Komite Tata Kelola Terintegrasi telah memiliki All members of the Integrated Governance Committee have
kualifikasi pendidikan dan pengalaman kerja yang dapat dilihat educational qualifications and work experience that can be seen
pada bab Profil Perusahaan dalam Laporan Tahunan ini. in the Company Profile chapter of this Annual Report.
Keanggotaan Komite Tata Kelola Terintegrasi Bank Victoria Composition of the Integrated Governance Committee of Bank
telah memenuhi Surat Edaran Otoritas Jasa Keuangan No. Victoria has satisfied the Financial Services Authority Circular
14/SEOJK.03/2015 tanggal 25 Mei 2015 tentang Penerapan No. 14/SEOJK.03/2015 dated 25 May 2015 on the Implementation
Manajemen Risiko Terintegrasi bagi Konglomerasi Keuangan of Integrated Risk Management for Financial Conglomeration
dan Surat Edaran Otoritas Jasa Keuangan No. 15/SEOJK.03/2015 and Financial Services Authority Circular No. 15/SEOJK.03/2015
tanggal 25 Mei 2015 tentang Penerapan Tata Kelola Terintegrasi dated 25 May 2015 on Implementation of Integrated Risk
bagi Konglomerasi Keuangan. Management for Financial Conglomeration.
Independensi Komite Tata Kelola Terintegrasi Independencies of the Integrated Governance

Committee
Komite Tata Kelola Terintegrasi Bank menjalankan tugas dan The Integrated Governance Committee of Bank Victoria has
tanggung jawabnya secara profesional dan independen, tanpa performed its duties and responsibilities in a professional and
intervensi dari organ tata kelola Bank lainnya. Pelaksanaan independent manner, without any intervention from other
tugas tersebut dilakukan sesuai dengan strategi, target, visi governance organs of the Bank. The implementation of duties has
dan misi Bank, semata-mata hanya untuk kepentingan Bank. been conducted in line with the Bank’s strategies, targets, vision,
Seluruh Komite Tata Kelola Terintegrasi tidak terkait dengan and mission, solely for the Bank’s interest. All members of the
Dewan Komisaris, Direksi, serta Pemegang Saham Utama dan Integrated Governance Committee do not have any relationship
Pengendali yang dapat menimbulkan dampak negatif ataupun with Boards of Commissioners, Directors, Major and Controlling
benturan kepentingan (conflict of interest). Aspek independensi Shareholders that may have adverse impact or conflict of interest.
Komite Tata Kelola Terintegrasi dijelaskan sebagai berikut. The independence aspect of the Integrated Governance Committee
is explained as follows.

Zaenal Abidin, PhD
Oliver Simorangkir
Abdulrachman**
Tenggarahardja
Djoko Nugroho
Retno Dwijanti
Hassanuddin
Aldo Tjahaja
Sukaryanto*
Widaningsih
Tjahyasurya
Jejei Kurnia
Vikas Tolani
Gunawan
Hertanto
Teguh
Yozef
Aspek Independensi Independence Aspect

keuangan dengan Dewan relationship with the Board
Komisaris, Direksi, serta             of Commissioners, the Board
Pemegang Saham Utama dan of Directors, and Main and
Tidak memiliki hubungan

Does not have share ownership
kepemilikan saham di Bank, baik             relationship in the Bank, either
secara langsung maupun tidak
directly or indirectly.
langsung.
Tidak memiliki hubungan Does not have management

kepengurusan di Bank, Entitas             relationship in the Bank,
Anak, maupun perusahaan Subsidiary, and affiliated
afiliasi. company.

keluarga dengan Dewan relationship with the Board of
Komisaris, Direksi, Pemegang             Commissioners, the Board of
Saham Utama dan Pengendali, Directors, Main and Controlling
dan/atau sesama anggota Shareholders, and/or among
Komite Audit. members of Audit Committee.
Tidak menjabat sebagai Does not hold position as

pengurus partai politik, pejabat,             administrator of political party,
dan pemerintah. state, and government.
Rapat Komite Tata Kelola Terintegrasi Meeting of Integrated Governance Committee

Kebijakan Rapat Komite Tata Kelola Terintegrasi Meeting Policy of the Integrated Governance
Committee
Pelaksanaan rapat Komite Tata Kelola Terintegrasi Bank The Bank’s Integrated Governance Committee meeting is held
dilakukan secara berkala atau sewaktu-waktu, disesuaikan periodically or at any time, adjusted to the needs. In making
dengan kebutuhan. Dalam pengambilan keputusan rapat Komite decision at the meeting, the Integrated Governance Committee
Tata Kelola Terintegrasi selalu mengedepankan musyawarah always prioritizes deliberations for consensus. The meeting result
mufakat. Hasil rapat Komite dituangkan dalam risalah rapat dan is stated in minutes of meetings and well-documented.
didokumentasikan dengan baik.
Frekuensi dan Kehadiran Rapat Komite Tata Kelola Integrated Governance Committee Meeting
Terintegrasi Frequency and Attendance
Selama tahun 2019, Komite Tata Kelola Terintegrasi telah Throughout 2019, the Integrated Governance Committee held
menyelenggarakan rapat sebayak 3 (tiga) kali dengan tingkat 3 (three) meetings with the average attendance level of 72.72%.
rata-rata kehadiran sebesar 72,72%. Berikut uraian frekuensi dan Below is the meeting frequency and attendance of Integrated
kehadiran rapat Komite Tata Kelola Terintegrasi. Governance Committee.

%
Ketua
Zaenal Abidin, PhD 3 3 100.00
Chairman
Anggota
Gunawan Tenggarahardja 3 0 0.00
Member
Anggota
Oliver Simorangkir 3 2 66.67
Member
Anggota
Djoko Nugroho 3 1 33.33
Member
Anggota
Aldo Tjahaja 3 3 100.00
Member


%
Anggota
Hassanuddin 3 1 33.33
Member
Anggota
Vikas Tolani 3 3 100.00
Member
Anggota
Jejei Kurnia 3 2 66.67
Member
Anggota
Hertanto Tjahyasurya 3 3 100.00
Member
Anggota
Member
Anggota
Member
3
Anggota
Yozef Abdulrachman** - N/A
Member
Rata-Rata Kehadiran
72.72
Average Attendance
Agenda Rapat Komite Tata Kelola Terintegrasi Integrated Governance Committee Meetings
Agenda
Berikut uraian agenda rapat Komite Tata Kelola Terintegrasi Bank Throughout 2019, the dates, agenda and participants of the
pada tahun 2019. Integrated Governance Committee meetings, are as follows.

19 Januari 2019 Rapat Komite Tata Kelola Terintegrasi dalam rangka membahas
Hadir
19 January 2019 kondisi terkini konglomerasi Keuangan Group Victoria dan Zaenal Abidin, PhD
Present
mendengarkan penjelasan Satuan Kerja Manajemen Risiko
Terintegrasi dan Satuan Kerja Audit Internal Terintegrasi
periode Semester II 2018. Tidak Hadir
Absent
Meetings of the Integrated Governance Committee in order to
discuss the current conditions of the Victoria Group Financial Tidak Hadir
conglomerate and listen to the explanation of the Integrated Oliver Simorangkir
Absent
Risk Management Work Unit and the Integrated Internal Audit
Work Unit for the Second Semester 2018 period. Tidak Hadir
Djoko Nugroho
Absent
Hadir
Aldo Tjahaja
Present
Tidak Hadir
Hassanuddin
Absent
Hadir
Vikas Tolani
Present
Hadir
Jejei Kurnia
Present
Hadir
Present
Hadir
Present
Hadir
Teguh Sukaryanto*
Present
Tidak Hadir
Absent


13 Februari 2019 Rapat Komite Tata Kelola Terintegrasi dalam rangka membahas Hadir
Zaenal Abidin, PhD
13 February 2019 kondisi terkini konglomerasi Keuangan Group Victoria dan Present
Terintegrasi, Satuan Kerja Tata Kelola Terintegrasi, dan Satuan Tidak Hadir
Kerja Audit Internal Terintegrasi periode semester ll 2018. Absent
Meetings of the Integrated Governance Committee in order to Hadir
discuss the current conditions of the Victoria Group Financial Oliver Simorangkir
Present
conglomerate and listen to the explanation of the Integrated
Risk Management Work Unit, Integrated Governance Work Unit Tidak Hadir
Djoko Nugroho
and Integrated Internal Audit Work Unit for Second Semester Absent
2018 period.
Hadir
Aldo Tjahaja
Present
Tidak Hadir
Hassanuddin
Absent
Hadir
Vikas Tolani
Present
Hadir
Jejei Kurnia
Present
Hadir
Present
Hadir
Present
Hadir
Teguh Sukaryanto*
Present
Tidak Hadir
Absent
8 Agustus 2019 Rapat Komite Tata Kelola Terintegrasi dalam rangka membahas Hadir
Zaenal Abidin, PhD
8 August 2019 kondisi terkini konglomerasi Keuangan Group Victoria dan Present
Terintegrasi, Satuan Kerja Tata Kelola Terintegrasi dan Satuan Tidak Hadir
Kerja Audit Internal Terintegrasi, periode Semester I 2019. Absent
Meetings of the Integrated Governance Committee in order to Hadir
discuss the current conditions of the Victoria Group Financial Oliver Simorangkir
Present
Conglomerate and listen to the explanation of the Integrated
Risk Management Work Unit, Integrated Governance Work Unit Hadir
Djoko Nugroho
and Integrated Internal Audit Work Unit, First Semester 2019 Present
period.
Hadir
Aldo Tjahaja
Present
Hadir
Hassanuddin
Present
Hadir
Vikas Tolani
Present
Hadir
Jejei Kurnia
Present
Hadir
Present
Hadir
Tamunan
Present
Hadir
Present
Hadir
Teguh Sukaryanto*
Present
Tidak Hadir
Absent
** Efektif menjabat pada 13 September 2019 / Start of effective term of office as of September, 13 2019.

Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report of the Implementation of Integrated
Tata Kelola Terintegrasi Governance Committee’s Activity
Sepanjang tahun 2019, Komite Tata Kelola Terintegrasi telah During 2019, the Integrated Governance Committee have, inter
melaksanakan tugas sebagai berikut. alia, performed the following duties.
1. Komite Tata Kelola Terintegrasi mengevaluasi kondisi terkini 1. The Integrated Governance Committee evaluates the current
konglomerasi Keuangan Group Victoria dan penjelasan condition of Victoria Group’s Financial Conglomeration and
Satuan Kerja Manajemen Risiko Terintegrasi dan Satuan the explanation of the Integrated Risk Management Work
Kerja Audit Internal Terintegrasi periode semester I 2019 dan Unit and Integrated Internal Audit Work Unit for the first and
semester II 2019. second semester of 2019.
Tata Kelola terdiri dari 3 (tiga) pilar, yakni Struktur, Proses, Governance consists of 3 (three) pillars namely : Structure,
dan Outcome. Implementasi Tata Kelola Terintegrasi Grup Process and Outcome. That the implementation of Integrated
Victoria masih fokus pada struktur, sehingga perlu komitmen Governance of the Victoria Group is still focused on the
seluruh Unit Kerja untuk dapat memenuhi hal-hal yang terkait structure, so it needs commitment from all Work Units to be able
pilar struktur; agar selanjutnya dapat masuk dengan baik ke to fulfill matters related to the pillar of the structure; so that they
pilar proses dan outcome. can then enter well into the process and outcome pillars.
Arahan Komite Tata Kelola Terintegrasi: Directions of Integrated Governance Committee:

a. Secara umum Tata Kelola Terintegrasi, khususnya GCG a. In general, the Integrated Governance, particularly GCG, is
sudah lebih baik dibandingkan semester II 2018, namun already better than that of the second semester of 2018,
beberapa hal perlu ditindak lanjuti sebagai berikut. but a number of matters need to be followed up as follows.
· Agar segera dipenuhi jabatan yang kosong, yaitu • Vacant positions shall immediately be filled,
Komisaris lndependen untuk Victoria Manajemen which are Independent Commissioner for Victoria
lnvestasi serta Direktur Utama dan Komisaris Utama Manajemen lnvestasi, and President Director and
untuk Victoria Alife; dan President Commissioner for Victoria Alife; and
· Victoria ALife melengkapi dokumen GCG. • Victoria ALife shall complete GCG documents.
b. Satuan Kerja Audit Internal Bank Victoria Syariah agar b. The Internal Audit Work Unit of Bank Victoria Syariah
tetap melakukan audit bersamaan dengan pendampingan shall continue to conduct audits, with the assistance of
audit Otoritas Jasa Keuangan. Financial Services Authority.
2. Saat ini, Departemen Terintegrasi di Otoritas Jasa Keungan 2. Currently, the Integrated Department in Financial Services
tidak terpisah lagi dan sudah menjadi satu dengan Authority is no longer separate and has become one with the
Departemen Pengawasan Bank, sehingga pemeriksaan Bank Supervision Department, therefore, the Integrated-
terkait Terintegrasi akan bersamaan dengan pemeriksaan related audit will be concurrent with the Bank’s routine audit.
rutin Bank.
a. Satuan Kerja Manajemen Risiko Terintegrasi: a. Integrated Risk Management Work Unit:
· Telah dilakukan stress test scenario risiko pasar • Market risk scenario stress test has been carried
pada Kelompok Kerja Grup Victoria dengan posisi out in the Working Group of Victoria Group for the
Desember 2019; December 2019 position;
· Peringkat Tingkat Risiko Terintegrasi per Desember • The Integrated Risk Level Rating per December 2019
2019 “2 (dua)”, masih sama dengan posisi Juni 2019; was “2 (two)”, still the same as the position in June
dan 2019; and
· Rasio Kewajiban Penyediaan Modal Minimum • The Integrated Capital Adequacy Ratio in December
Terintegrasi di Desember 2019 sebesar 192,66% 2019 was 192.66%, compared to June 2019 of 181.55%,
dibanding Juni 2019 sebesar 181,55%, masih di atas which was still above the minimum requirement.
ketentuan minimal.
b. Satuan Kerja Audit Internal Terintegrasi : b. Integrated Internal Audit Work Unit:
· Overall risk profile terkait pelaksanaan audit pada • The overall risk profile related to audit
Unit Kerja Grup Victoria dinilai “Low to Moderate”; implementation in Victoria Group’s Work Unit was
rated “Low to Moderate”;
· Penerapan manajemen risiko, pengendalian internal, • The risk management, internal control, and
dan kepatuhan terhadap ketentuan internal dan compliance with internal and external regulations,
eksternal yang dilakukan oleh Unit Kerja “Baik”; which was implemented by the Work Unit, was “Good”;

· Tidak terdapat kondisi signifikan yang dapat • There are no significant conditions that can affect
mempengaruhi kelancaran usaha dan proses the smooth running of business and operational
operasional Unit Kerja; dan process of the Work Unit; and
· Satuan Kerja Audit lnternal secara berkesinambungan • The Internal Audit Work Unit continuously
melakukan sosialisasi sistem penilaian risk based disseminates risk-based assessment system for all
untuk seluruh Lembaga Jasa Keuangan (LJK). Financial Services Institution (FSI).
c. Satuan Kerja Kepatuhan Terintegrasi: c. Integrated Compliance Work Unit:
· Masih terdapat Unit Kerja yang belum memiliki • There are still Work Units that do not yet have Board
Pedoman Kerja Dewan Komisaris dan Direksi, yaitu Manual for Board of Commissioners and Board of
Victoria Alive; dan Directors, namely Victoria Alive; and
· Masih terdapat denda dari regulator, yaitu Bank • There are still fines imposed by the regulators,
Victoria. namely Bank Victoria.
3. Group Victoria sedang membangun budaya dan perilaku 3. Victoria Group is building a culture and behavior of
Governance Risk dan Audit. Saat ini, pelaksanaan dan hasilnya Governance Risk and Audit. Currently, the implementation
semakin membaik, diharapkan efisiensi dan kontrol berjalan and results are getting better, it is expected that efficiency
selaras dan seimbang. Dalam hal governance dapat dikatakan and control will run in harmony and balance. In terms of
masih terfokus pada struktur dan outcome, sedangkan untuk governance, it can be said that it still focus on structure and
proses akan dinilai kemudian. outcome, while the process will be assessed later.
Masih terdapat 3 (tiga) Lembaga Jasa Keuangan yang There are still 3 (three) Financial Services Institutions that
memiliki kesenjangan pemenuhan tata kelola, yakni Bank have gaps in complying with governance, namely Bank
Victoria Syariah, Victoria Sekuritas Indonesia, dan Victoria Victoria Syariah, Victoria Sekuritas Indonesia, and Victoria
lnsurance sebagai berikut. Insurance, as follows.
a. Bank Victoria Syariah, Komisaris Utama sedang proses fit a. Bank Victoria Syariah, the President Commissioner is in
and proper test; the process of taking fit and proper test;
b. Victoria Sekuritas Indonesia, Komisaris Utama/ b. Victoria Sekuritas Indonesia, the President/Independent
Independen sudah mendapat persetujuan dari Otoritas Commissioner has received approval from the Financial
Jasa Keuangan dan menunggu RUPS; dan Services Authority and is waiting for the GMS; and
c. Victoria Insurance, Direktur Kepatuhan dirangkap oleh c. Victoria Insurance, the Compliance Director is
Direktur Utama yang membawahi fungsi teknik asuransi, concurrently held by the President Director who oversees
fungsi keuangan atau fungsi pemasaran. the insurance engineering function, financial function, or
marketing function.

Organ Pendukung Direksi

// Board of Directors Supporting Organs
Direksi melaksanakan pengelolaan kegiatan usaha Bank dengan The Board of Directors carries out the management of the bank’s
dibantu oleh komite-komite yang dibentuk berdasarkan kebutuhan operating activities with the assistance of committees that are formed
bisnis serta peraturan perundangan-undangan yang berlaku. Organ based on business requirements as well as laws and regulations in
pendukung Direksi berfungsi sebagai organ pendukung utama effect. Organs supporting the Board of Directors function as the main
dalam pelaksanaan tata kelola perusahaan yang baik. supporting organs in the implementation of good corporate governance.
Komite Manajemen Risiko Risk Management Committee

Komite Manajemen Risiko adalah komite eksekutif dibawah Direksi Risk Management Committee is an executive committee under the
yang berfungsi untuk memberikan rekomendasi kepada Direktur Board of Directors, which functions to give recommendation to the
Utama dengan sepengetahuan komisaris dalam merumuskan President Director, under the acknowledgment of commissioner,
kebijakan, menyempurnakan pelaksanaan kebijakan, mengevaluasi in formulating policies, refining the implementation of policies,
perkembangan dan kondisi profil risiko, serta memberikan saran evaluating the development and condition of risk profile, and giving
dan langkah perbaikan. Pembentukan Komite ini dilakukan untuk advises and improvement measures. The Committee is established
memastikan bahwa penerapan manajemen risiko telah memadai to ensure that the risk management implementation is already
sesuai skala dan kompleksitas usaha Bank. adequate according to the Bank’s business scale and complexity.
Pedoman Komite Manajemen Risiko Risk Management Committee Guidelines

Komite Manajemen Risiko menjalankan tugas dan tanggung The Risk Management Committee performs its duties and
jawabnya berdasarkan Peraturan Otoritas Jasa Keuangan No. responsibilities based on Financial Services Authority Regulation
18/POJK.03/2016 tanggal 22 Maret 2016 tentang Penerapan No. 18/POJK.03/2016 dated 22 March 2016, on Risk Management
Manajemen Risiko bagi Bank Umum dan Surat Edaran Otoritas Implementation for Commercial Bank, and Financial Services
Jasa Keuangan No. 34/SEOJK.03/2016 tanggal 1 September 2016 Authority Circular No. 34/SEOJK.03/2016 dated 1 September 2016
tentang Penerapan Manajemen Risiko bagi Bank Umum. on Risk Management Implementation for Commercial Bank.
Susunan Keanggotaan Komite Manajemen Risiko Composition of Risk Management Committee

Berdasarkan Surat Keputusan Direksi No. 014/SK-DIR/10/17, Based on Board of Directors’ Decision Letter No. 014/SK-DIR/10/17,
susunan keanggotan Komite Manajemen Risiko Bank Victoria the composition of Bank Victoria’s Risk Management Committee is
sebagai berikut: as follows:
1. Ketua (Anggota Tetap): 1. Chairman (Permanent Member):
Direktur Kepatuhan dan Manajemen Risiko. Director of Compliance and Risk Management.
2. Anggota Tetap: 2. Permanent Member
a. Direksi; a. Board of Directors:
b. Associate Directors; b. Associate Directors;
c. Kepala Divisi Risk Management/Integrated (Secretary); c. Head of Risk Management/Integrated Division (Secretary);
dan and
d. Kepala Divisi Audit Internal/Integrated and Anti Fraud. d. Head of Internal Audit/Integrated & Anti Fraud Division.
3. Anggota Tidak Tetap: 3. Non-Permanent Members:
a. Kepala Divisi Lainnya di Luar Anggota Tetap; dan a. Other Division Heads outside the Permanent Members; and
b. Kepala Bagian. b. Head of Department.
Wewenang dan Tanggung Jawab Komite Authority and Responsibilities of Risk

Manajemen Risiko Management Committee
Berikut uraian wewenang dan tanggung jawab Komite Manajemen Below is the description of authority and responsibilities of the
Risiko yaitu melakukan evaluasi dan memberikan rekomendasi Risk Management Committee, which is to evaluate and provide
kepada direktur utama terkait Manajemen Risiko dengan recommendations to the president director related to Risk
sepengetahuan Komisaris yang paling sedikit meliputi: Management under the acknowledgment of Commissioner that
at least includes:

Wewenang dan Tanggung Jawab Realisasi 2019

Authority and Responsibilities 2019 Realization
Penyusunan kebijakan, strategi, dan pedoman Menyusun kebijakan manajemen risiko serta perubahannya yang dilakukan paling sedikit 1 (satu)
penerapan manajemen risiko. kali dalam 1 (satu) tahun termasuk strategi manajemen risiko, tingkat risiko yang diambil dan
Preparation of policies, strategies, and guidelines for toleransi risiko, kerangka manajemen risiko serta rencana kontinjensi untuk mengantisipasi
risk management implementation. terjadinya kondisi tidak normal, seperti:
1. Mengkinikan kebijakan manajemen risiko yang disesuaikan dengan stratejik Bank, yang
tercermin dalam pengkinian profil risiko Bank;
2. Merekomendasikan peer group Bank yang memiliki kesamaan ukuran dan kompleksitas
kegiatan usaha Bank; dan
3. Pelaksanaan business impact analysis (BIA) dan risk assessment yang merupakan dasar dalam
penerapan business contuinity plan (BCP) untuk menjamin operasional Bank tetap berfungsi
walaupun terdapat gangguan/bencana.
Preparing risk management policies and their amendments, which is performed as least
1 (once) a year, including risk management strategies, level of risk taken and risk tolerance,
risk management framework, and contingency plans to anticipate the occurrence of abnormal
conditions, such as:
1. Updating the risk management policies to adjust to the Bank’s strategies, which are reflected
in the updates of the Bank’s risk profile;
2. Recommending the Bank’s peer group that have similar size and complexity to the Bank's
business activities; and
3. Implementing business impact analysis (BIA) and risk assessment, which are the basis of
implementing Business Continuity Plan (BCP) to ensure that the Bank's operations continue to
operate despite the disruption/disaster.
Penyempurnaan proses manajemen risiko secara Mengkinikan dan menyempurnakan proses manajemen risiko secara berkala maupun bersifat
berkala maupun bersifat insidentil sebagai akibat insidentil, seperti:
dari suatu perubahan kondisi eksternal dan internal 1. Evaluasi secara berkala terhadap parameter risiko inheren dan kualitas penerapan manajemen
Bank yang memengaruhi kecukupan permodalan, risiko Bank sesuai dengan kompleksitas dan karakteristik Bank;
profil risiko Bank, dan ketidakefektifan penerapan 2. Self assessment kecukupan modal sesuai dengan profil risiko Bank (ICAAP); dan
manajemen risiko berdasarkan hasil evaluasi. 3. Stress test secara periodik melalui skenario spesifik dan pasar untuk mengantisipasi dan
Improvement of the risk management process either secara proaktif mengelola potensi terjadinya risiko.
periodically or incidentally as a result of a change of Updating and refining the risk management process, either periodically or incidentally, such as:
the Bank’s external and internal condition that affects 1. Conducting periodic evaluation of inherent risk parameter and the quality of the Bank’s risk
the Bank’s capital adequacy, risk profile, and non- management implementation in line with the Bank’s complexity and characteristics;
effectiveness of risk management implementation 2. Self-assessment of capital adequacy according to the Bank’s risk profile (ICAAP); and
based on evaluation result. 3. Conducting periodic stress test through specific scenario and market to anticipate and
proactively manage potential risks.
Penetapan hal-hal terkait dengan keputusan bisnis Komite Manajemen Risiko telah menetapkan hal-hal terkait dengan keputusan bisnis yang
yang menyimpang dari prosedur normal. menyimpang dari prosedur normal, seperti:
Determination of matters related to business 1. Pelampauan ekspansi usaha yang signifikan dibandingkan dengan Rencana Bisnis Bank yang
decisions that deviate from normal procedures. telah ditetapkan sebelumnya; dan
2. Pengambilan posisi/eksposur risiko yang melampaui limit yang telah ditetapkan.
The Risk Management Committee has determined matters related to business decisions that
deviate from normal procedures, such as:
1. Business expansion that significantly exceeds the pre-determined one in the Bank's Business
Plan; and
2. Taking a risk position/exposure that exceeds the predetermined limit.
Tugas Komite Manajemen Risiko Duties of Risk Management Committee

Dalam hal penerapan manajemen risiko, Komite Manajemen In terms of risk management implementation, the Risk
Risiko telah melaksanakan tugas sebagai berikut: Management Committee has performed the following duties:
1. Melakukan pengembangan atas penerapan budaya risiko 1. Developing the implementation of risk culture for each
untuk setiap jenjang organisasi; organizational level;
2. Mengevaluasi dan melakukan penyesuaian atas Kebijakan dan 2. Evaluating and adjusting the Bank's Risk Management
Pedoman Umum Penerapan Manajemen Risiko yang dimiliki Bank Implementation Policy and General Guidelines to regulatory
dengan kebijakan otoritas yang disesuaikan dengan ukuran dan policies, which are adjusted to the Bank's business size and
kompleksitas usaha Bank serta risiko yang melekat pada Bank; complexity and the risks inherent in the Bank;
3. Mengevaluasi arah, strategi, dan program manajemen risiko; 3. Evaluating risk management direction, strategy, and program;
4. Mengevaluasi penerapan manajemen risiko, yang meliputi: 4. Evaluating the risk management implementation, which
includes:
a. Pemantauan terhadap implementasi Kebijakan dan a. Monitoring the implementation of Policies and General
Pedoman Umum Penerapan Manajemen Risiko; Guidelines of Risk Management Implementation;
b. Pemantauan posisi/eksposur risiko secara keseluruhan, b. Monitoring the risk position/exposure in overall, per type
per jenis risiko dan per jenis aktivitas fungsional Bank; of risks, and per type of functional activity of the Bank;
c. Penerapan stress testing guna mengetahui dampak dari c. Conducting stress testing to learn the impact of
implementasi kebijakan dan strategi manajemen risiko; implementing Risk Management policies and strategies;

d. Pemantauan kajian terhadap usulan aktivitas/produk d. Monitoring of review of proposed new activities/
baru, termasuk mengevaluasi sistem dan prosedur yang products, including evaluating the system and procedure
digunakan, serta dampaknya terhadap eksposur risiko used, and the impact on the Bank's risk exposure in
Bank secara keseluruhan; dan overall; and
e. Pengungkapan manajemen risiko. e. Risk Management disclosure.
Rapat Komite Manajemen Risiko Risk Management Committee Meetings

Selama tahun 2019, Komite Manajemen Risiko telah melaksanakan Throughout 2019, the Risk Management Committee held 12
rapat sebanyak 12 kali dengan agenda rapat sebagai berikut. meetings, with the meeting agenda as follows.
1. Economic issue; 1. Economic issue;
2. Stress test; 2. Stress test;
3. Tindak lanjut Komite Manajemen Risiko; 3. Follow-up of the Risk Management Committee;
4. Usulan perubahan dan penambahan parameter ukur; 4. Proposed changes and additions to the measurement
parameters;
5. Kajian, opini, dan rekomendasi; 5. Review, opinion, and suggestion;
6. Isu perkreditan; 6. Credit issue;
7. Risk Based Bank Rating (RBBR); 7. Risk Based Bank Rating (RBBR);
8. Rekomendasi Laporan Hasil Pemeriksaan (LHP) Satuan 8. Recommendations of the Audit Reports (LHP) of Internal
Kerja Audit Internal (SKAI) atas Divisi Manajemen Risiko Audit Work Unit (SKAI) on the Integrated Risk Management
Terintegrasi; dan Division; and
9. Pendapat dan saran anggota komite. 9. Opinion and suggestion of the committee members.
Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee

Komite Manajemen Risiko Terintegrasi merupakan komite The Integrated Risk Management Committee is an executive
eksekutif, yang berfungsi untuk membantu Direksi Bank committee, which functions to assist the Board of Directors of
selaku Entitas Utama. Komite Manajemen Risiko Terintegrasi the Bank as the Main Entity. The Integrated Risk Management
berfungsi untuk memastikan bahwa pengelolaan risiko telah Committee functions to ensure that the risk management has
berjalan dengan baik di seluruh lembaga jasa keuangan dalam been running well in all financial services institutions of the
konglomerasi keuangan Grup Victoria. Komite Manajemen Risiko Victoria Group financial conglomeration. The Integrated Risk
Terintegrasi melakukan proses pemantauan dan evaluasi dengan Management Committee performs monitoring and evaluation
menyampaikan fokus utama atas eksposur risiko konglomerasi process by delivering the main focus of risk exposure of Victoria
keuangan Grup Victoria yang bersifat material dan signifikan Group financial conglomeration, which is material and significant
untuk perbaikan proses manajemen risiko secara terintegrasi di for the improvement of the integrated risk management process
masa mendatang. in the future.
Pedoman Komite Manajemen Risiko Terintegrasi Guidelines of Integrated Risk Management

Committee
Komite Manajemen Risiko Terintegrasi menjalankan tugas The Integrated Risk Management Committee performs its duties
dan tanggung jawabnya berdasarkan Peraturan Otoritas Jasa and responsibilities based on Financial Services Authority
Keuangan No. Keuangan No. 17/POJK.03/2014 tanggal 18 November Regulation No. Finance No. 17/POJK.03/2014 dated 18 November
2014 tentang Penerapan Manajemen Risiko Terintegrasi bagi 2014 on the Implementation of Integrated Risk Management
Konglomerasi Keuangan dan Surat Edaran Otoritas Jasa Keuangan for Financial Conglomeration and Financial Services Authority
No. 14/SEOJK.03/2015 tanggal 25 Mei 2015 tentang Penerapan Circular No. 14/SEOJK.03/2015 dated 25 May 2015, on the
Manajemen Risiko Terintegrasi. Implementation of Integrated Risk Management.
Tugas dan Tanggung Jawab Komite Manajemen Duties and Responsibilities of the Integrated Risk
Risiko Terintegrasi ManagementCommittee
Tugas dan tanggung jawab Komite Manajemen Risiko Terintegrasi The duties and responsibilities of the Integrated Risk Management
adalah memberikan rekomendasi kepada Direksi Entitas Utama, Committee is to provide recommendations to the Board of
dalam rangka: Directors of the Main Entity, in the framework of:
1. Penyusunan kebijakan manajemen risiko terintegrasi; dan 1. Preparing integrated risk management policies; and
2. Perbaikan atau penyempurnaan kebijakan manajemen risiko 2. Improving or refining the integrated risk management
terintegrasi berdasarkan hasil evaluasi pelaksanaan. policies based on evaluation of implementation.

Pelaksanaan Tugas dan Tanggung Jawab Komite Implementation of Duties and Responsibilities of
Manajemen Risiko Terintegrasi Tahun 2019 the Integrated Risk Management Committee in 2019
Selama tahun 2019, Komite Manajemen Risiko Terintegrasi telah Throughout 2019, the Integrated Risk Management Committee
melaksanakan berbagai program kerja, yaitu: performed various work programs, which were:
1. Pembahasan profil risiko terintegrasi secara berkala atau 1. Discussion of the integrated risk profile regularly or quarterly;
triwulanan;
2. Penyampaian laporan profil risiko terintegrasi secara berkala 2. Submission of the integrated risk profile reports to regulators
atau semesteran kepada pihak regulator; regularly or semi-annually;
3. Pembahasan kecukupan pemenuhan modal minimum 3. Discussion of the integrated capital adequacy ratio regularly
terintegrasi secara berkala atau triwulanan; or quarterly;
4. Penyampaian kecukupan pemenuhan modal minimum 4. Submission of the integrated capital adequacy ratio to
terintegrasi secara berkala atau semesteran kepada pihak regulators regularly or semi-annually;
regulator;
5. Melakukan pemantauan risiko, baik per jenis risiko maupun 5. Conducting risk monitoring, either per type of risks or in an
secara terintegrasi; integrated manner;
6. Melaksanakan evaluasi secara berkala terhadap parameter 6. Conducting periodic evaluations of inherent risk parameters
risiko inheren dan kualitas penerapan manajemen risiko and the quality of the integrated risk management
terintegrasi sesuai dengan kompleksitas dan karakteristik implementation in accordance with each LJK’s complexity
setiap LJK dalam konglomerasi keuangan; and characteristics in the financial conglomeration;
7. Melakukan stress test secara periodik melalui skenario 7. Conducting periodic stress tests through specific scenario
spesifik dan pasar untuk mengantisipasi dan secara proaktif and market to anticipate and proactively manage potential
mengelola potensi terjadinya risiko; risks;
8. Penyusunan dan penyempurnaan kebijakan Manajemen 8. Preparation and improvement of the Integrated Risk
Risiko Terintegrasi; dan Management policy; and
9. Pengembangan dan penyempurnaan VISI system. 9. Preparation and improvement of the VISI system.
Susunan Keanggotaan Komite Manajemen Risiko Composition of Integrated Risk Management

Terintegrasi Committee
Berdasarkan Surat Keputusan Direksi No. 007/SK-DIR/06/17, Based on Board of Directors’ Decision Letter No. 007/SK-
susunan keanggotaan Komite Manajemen Risiko Terintegrasi DIR/06/17, the composition of the Integrated Risk Management
dalam konglomerasi keuangan Grup Victoria bersifat tetap, Committee in Victoria Group’s financial conglomeration
namun dapat ditambah dengan keanggotaan yang bersifat tidak is permanent, but it can be added with non-permanent
tetap sesuai dengan kebutuhan konglomerasi keuangan Grup members according to the needs of Victoria Group’s financial
Victoria secara terintegrasi. Komposisi Komite Manajemen Risiko conglomeration in an integrated manner. The composition of
Terintegrasi sebagai berikut: Integrated Risk Management Committee is as follows:
1. Ketua (Anggota Tetap) : 1. Chairman (Permanent Member) :
Direktur Kepatuhan dan Manajemen Risiko Entitas Utama Director of Compliance and Risk Management of Main Entity
2. Sekretaris (Anggota Tetap) : 2. Secretary (Permanent Member) :
Kepala Divisi Risk Management/Integrated Entitas Utama Head of Risk Management/Integrated Division of Main Entity
3. Anggota Tetap : 3. Permanent Members :
a. Seluruh anggota Direksi Bank Victoria sebagai Entitas a. All members of Board of Directors of Bank Victoria as the
Utama Main Entity
b. Bank Victoria Syariah b. Bank Victoria Syariah
• Direktur yang membawahi fungsi manajemen risiko • Director in charge of risk management function
• Kepala Divisi Manajemen Risiko • Head of Risk Management Division
c. Victoria Sekuritas Indonesia c. Victoria Sekuritas Indonesia
• Unit Manajemen Risiko • Risk Management Unit
d. Victoria Insurance d. Victoria Insurance
• Pejabat Eksekutif yang memimpin Satuan Kerja • Executive Officer in charge of Risk Management
Manajemen Risiko Work Unit
e. Victoria Manajemen Investasi e. Victoria Manajemen Investasi
• Direktorat yang membawahi fungsi manajemen • Directorate in charge of risk management function
risiko
• Koordinator Manajemen Risiko • Risk Management Coordinator
f. Victoria Alife Indonesia f. Victoria Alife Indonesia
• Pejabat Eksekutif yang memimpin Satuan Kerja • Executive Officer in charge of Risk Management
Manajemen Risiko Work Unit

4. Anggota Tidak Tetap : 4. Non-Permanent Members :

Pejabat terkait dari anggota konglomerasi keuangan Grup Relevant Officers from members of Victoria Group’s financial
Victoria. conglomeration.
Rapat Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee’s Meetings
Komite Manajemen Risiko Terintegrasi Grup Victoria dalam The Integrated Risk Management Committee of Victoria Group’s
konglomerasi keuangan menyelenggarakan rapat secara berkala financial conglomeration holds regular meetings at least 1 (one)
minimal 1 (satu) kali setiap 3 (tiga) bulan maupun insidentil. time every 3 (three) months and incidental meetings. Throughout
Sepanjang tahun 2019, Komite Manajemen Risiko Terintegrasi 2019, the Integrated Risk Management Committee held 4 (four)
telah mengadakan rapat sebanyak 4 (empat) kali pertemuan yang meetings attended by members of the Committee. The meeting
dihadiri oleh anggota Komite. Adapun agenda rapat Komite agenda of the Integrated Risk Management Committee of Victoria
Manajemen Risiko Terintegrasi Grup Victoria dalam konglomerasi Group’s financial conglomeration is as follows:
keuangan, diantaranya terkait:
1. Stress Test Terintegrasi; 1. Integrated Stress Test;
2. Penilaian Peringkat Profil Risiko Terintegrasi; 2. Integrated Risk Profile Rating Assessment;
3. Pemaparan Profil Risiko masing-masing LJK; dan 3. Risk Profile Presentation of each LJK; and
4. Kewajiban Pemenuhan Modal Minimum Terintegrasi 4. Integrated Capital Adequacy Ratio (CAR).
Assets and Liability Committee Assets and Liabilities Committee

Assets and Liabilities Committee (ALCO) merupakan komite Assets and Liabilities Committee (ALCO) is a Board of Directors’
pendukung Direksi dengan tugas menganalisis dan mengevaluasi supporting committee having duties to analyze and evaluate the
pengelolaan aset dan liabilitas, serta pengambilan keputusan yang management of assets and liabilities and the decision making
terkait melalui perumusan kebijakan, strategi dan sasaran untuk related to formulation of policy, strategy and target to manage
mengelola aset dan liabilitas Bank secara terintegrasi. Dalam the Bank’s assets and liabilities in an integrated manner. In
melaksanakan fungsi tersebut, ALCO memiliki ALCO Support performing the function, ALCO has ALCO Support in charge of
yang bertugas untuk mendapatkan, mengolah, menganalisis obtaining, processing, analyzing, and formulating the entire
dan merumuskan keseluruhan data asset and liabilities untuk assets and liabilities data to further be submitted to ALCO.
kemudian diserahkan kepada ALCO.
Pedoman ALCO ALCO Guidelines

ALCO menjalankan tugas dan tanggung jawabnya berdasarkan ALCO performs its duties and responsibilities based on the
Surat Keputusan Direksi No. 004/SK-DIR/09/16 tanggal Board of Directors’ Decision Letter No. 004/SK-DIR/09/16 dated
5 September 2016 tentang Pedoman dan Tata Tertib Kerja 5 September 2016 on the Guidelines and Code of Conduct of
Assets and Liabilities Committee (ALCO) PT Bank Victoria Assets and Liabilities Committee (ALCO) of PT Bank Victoria
International Tbk. International Tbk.
Tugas dan Tanggung Jawab ALCO ALCO Duties and Responsibilities

Tugas dan tanggung jawab ALCO beserta realisasinya diuraikan The duties, responsibilities, and the realization of ALCO are

Memantau dan memperhatikan struktur neraca dan memaksimumkan Menganalisis kinerja keuangan yang mencakup perbandingan antara kinerja
profitabilitas. keuangan bulan yang bersangkutan dengan bulan sebelumnya.
Monitoring and overseeing the balance sheet structure and maximizing Analyzing the financial performance that includes the comparison between
profitability. the financial performance of the relevant month with the previous month.
Merencanakan, menetapkan, dan mengendalikan sumber dan penggunaan Menjaga pertumbuhan assets and liabilities sesuai dengan Rencana Bisnis
dana Bank. Bank.
Planning, establishing, and controlling the source and use of Bank funds. Maintaining the growth of assets and liabilities in accordance with the
Bank’s Business Plan.
Menetapkan tingkat suku bunga kredit maupun pendanaan. Mengevaluasi tingkat suku bunga Bank.
Establishing interest rates on credit and funding. Evaluating the Bank’s interest rates.
Melakukan evaluasi anggaran dan realisasi laporan keuangan Bank dengan Mengawasi risiko-risiko likuiditas dan struktur neraca Bank.
memperhatikan indikator-indikator/risiko Bank. Supervising the Bank’s liquidity risks and balance sheet structure.
Evaluating the budget and realization of the Bank’s financial statements
with due regard to the Bank’s indicators/risks.


Merumuskan, menetapkan dan mengevaluasi kebijakan, strategi, dan 1. Melakukan evaluasi terhadap maturity gap.
sasaran dalam bidang-bidang ALMA, yaitu: 2. Meningkatkan fee based income melalui diversifikasi produk/aktivitas
1. Manajemen Strategi; baru.
2. Manajemen Likuiditas; 3. Menjaga tingkat profitabilitas bank pada tingkat yang sehat.
3. Manajemen Gap; dan 4. Mengelola tingkat likuiditas Bank dalam rangka menjaga tingkat likuiditas
4. Manajemen Investasi dan Pendapatan (Pricing). yang sehat dan sesuai ketentuan Bank Indonesia.
Formulating, establishing, and evaluating policies, strategies, and 1. Evaluating the maturity gap.
objectives in the areas of ALMA, which are: 2. Increasing fee-based income through diversification of new products/
1. Strategic Management; activities.
2. Liquidity Management; 3. Maintaining the Bank’s profitability level at a sound level.
3. Gap Management; and 4. Managing the Bank’s liquidity level in order to maintain sound liquidity
4. Investment and Pricing Management. level and in accordance with Bank Indonesia regulation.
Memantau dan memperhatikan perkembangan kondisi ekonomi mikro Mengevaluasi perkembangan dan prospek indikator-indikator ekonomi
maupun makro, seperti inflasi, nilai tukar, dan perkembangan suku bunga dan menganalisis dampaknya terhadap posisi simpanan, kredit dan
yang dapat memengaruhi kinerja Bank. profitabilitas Bank.
Monitoring and observing the development of micro and macroeconomic Evaluating the progress and prospects of economic indicators and analyzing
conditions, such as inflation, exchange rates, and interest rate development their impact on the Bank’s deposit, credit, and profitability positions.
that may affect the Bank’s performance.
Komposisi Komite ALCO ALCO Composition

Berdasarkan Surat Keputusan Direksi No. 009/SK-DIR/03/2019 Based on Board of Directors’ Decision Letter No. 009/SK-
tentang Susunan Keanggotaan Assets and Liabilities DIR/03/2019 on the Composition of Assets and Liabilities
Committee (ALCO) PT Bank Victoria International Tbk, komposisi Committee (ALCO) of PT Bank Victoria International Tbk, the
keanggotaan Komite ALCO, yaitu: composition of the ALCO Committee is as follows:
1. Ketua : Direktur Utama 1. Chairman : President Director
2. Sekretaris : Kepala Divisi Treasury 2. Secretary : Head of Treasury Division
3. Anggota : 3. Member :
a. Wakil Direktur Utama; a. Deputy President Director;
b. Direktur Bisnis; b. Director of Business;
c. Direktur Kredit; c. Director of Credit;
d. Direktur Keuangan; d. Director of Finance;
e. Direktur Kepatuhan dan Manajemen Risiko; e. Director of Compliance and Risk Management;
f. Senior EVP Corporate and Multifinance Banking; f. Senior EVP of Corporate and Multifinance Banking;
g. Senior EVP Funding and BBN; g. Senior EVP of Funding and BBN;
h. Senior EVP Finance and Accounting; h. Senior EVP of Finance and Accounting;
i. Senior EVP Operation and IT; i. Senior EVP of Operation and IT;
j. SME and Consumer Banking; j. SME and Consumer Banking;
k. Multifinance Banking Division; k. Multifinance Banking Division;
l. Corporate Banking; l. Corporate Banking;
m. Commercial Banking; m. Commercial Banking;
n. Credit Monitoring and Assurance; n. Credit Monitoring and Assurance;
o. Risk Management/Integrated; o. Risk Management/Integrated;
p. Finance and Accounting; dan p. Finance and Accounting; and
q. BBN and Performance Division. q. BBN and Performance Division.
Kedudukan Komite ALCO dalam Struktur ALCO Committee’s Position in the Organizational
Organisasi Structure
Kedudukan Komite ALCO dalam struktur organisasi berada di The position of ALCO Committee in the organizational structure is
bawah Direksi. under the Board of Directors.
Pihak yang Mengangkat dan Memberhentikan Party Appointing and Dismissing the Chairperson
Ketua Komite ALCO of ALCO Committee
Ketua Komite ALCO diangkat dan diberhentikan oleh Direksi. The Chairman of ALCO Committee is appointed and discharged by
Rapat ALCO ALCO Meetings

Dalam melaksanakan tugasnya, ALCO melaksanakan rapat In performing its duties, ALCO conducts meetings at least 1 (once)
sekurang-kurangnya 1 (satu) kali dalam 1 (satu) bulan atau a month or at any time as necessary.
sewaktu-waktu sesuai dengan kebutuhan.

Sepanjang tahun 2019, ALCO telah mengadakan rapat sebanyak 12 Throughout 2019, ALCO held 12 meetings with the average
kali dengan rata-rata tingkat kehadiran sebesar 81,37%. Agenda attendance level of 81.37%. ALCO's meeting agenda is as follows.
rapat ALCO sebagai berikut.
1. Ekonomi moneter; 1. Monetary economics;
2. Ekonomi makro; 2. Macro economics;
3. Portofolio surat berharga dan aktivitas treasury; 3. Portfolio of securities and treasury activities;
4. Manajemen risiko pasar dan likuiditas; 4. Management of market risk and liquidity;
5. Kinerja Bank; 5. Bank Performance;
6. Dana Pihak Ketiga (DPK); dan 6. Third Party Funds (DPK); and
7. Kredit. 7. Credit.
Komite Kredit Credit Committee

Komite Kredit adalah komite yang terdiri dari anggota Direksi, Credit Committee is a committee consisting of members of the
Senior EVP, Division Head, dan Vice Division Head terkait yang Board of Directors, Senior EVP, Division Head, and Vice Division Head
bertanggung jawab dan diberi wewenang untuk memutuskan concerned who are responsible for deciding and given the authority
jumlah Credit Exposure Bank dalam bentuk aktiva produktif to decide the amount of the Bank’s Credit Exposure in the form of
sesuai dengan jumlah atau limit tertentu yang telah ditetapkan. earning assets in accordance with a specified amount or limit.
Tugas dan tanggung jawab dari pemutus Komite Kredit adalah The duties and responsibilities of Credit Committee decision
memberikan persetujuan/penolakan terhadap usulan fasilitas maker is to give approval/rejection of the proposed funding
penyediaan dana dari masing-masing divisi/unit pengusul. facilities from each proposing division/unit.
Pedoman Komite Kredit Credit Committee Guidelines

Komite Kredit menjalankan tugas dan tanggung jawab The Credit Committee performs its duties and responsibilities
berdasarkan pada Peraturan Otoritas Jasa Keuangan No. 42/ based on Financial Services Authority Regulation No. 42/
POJK.03/2017 tentang Kewajiban Penyusunan dan Pelaksanaan POJK.03/2017 on the Obligation to Prepare and Implement Policy
Kebijakan Perkreditan atau Pembiayaan Bank bagi Bank Umum, of Bank Credit or Financing for Commercial Bank, Decree of
Surat Keputusan Dewan Komisaris No. 001/SK-KOM/03/17 tanggal Board of Commissioners No. 001/SK-KOM/03/17 dated 24 March
24 Maret 2017 tentang Prosedur Persetujuan dan Wewenang 2017 on Procedure for Approval and Authority of Central Credit
Komite Kredit Pusat PT Bank Victoria International Tbk, serta Committee of PT Bank Victoria International Tbk, and other
peraturan terkait lainnya. relevant regulations.
Tugas dan Tanggung Jawab Komite Kredit Duties and Responsibilities of Credit Committee
Tugas dan tanggung jawab dari pemutus Komite Kredit adalah The duties and responsibilities of Credit Committee decision
memberikan persetujuan/penolakan terhadap usulan fasilitas maker is to give approval/rejection of the proposed funding
penyediaan dana dari masing-masing divisi/unit pengusul . facilities from each proposing division/unit.
Komposisi Komite Kredit Composition of Credit Committee

Komposisi anggota Komite Kredit terdiri dari: Composition of Credit Committee consists of:
1. Direktur Utama sebagai Ketua merangkap sebagai anggota. 1. The President Director as Chairman and concurrently a member.
2. Wakil Direktur Utama sebagai anggota. 2. Deputy President Director as a member.
3. Direktur Bisnis sebagai anggota. 3. Director of Business as a member.
4. Direktur Keuangan sebagai anggota. 4. Director of Finance as a member.
5. Senior EVP atau Division Head pengusul yang mengelola jenis 5. Senior EVP or Division Head of the proposer who manages the
fasilitas penyediaan dana yang diproses, sebagai anggota type of fund provision facility being processed, as a member
dan sebagai sumber informasi yaitu: and as a source of information, which are:
• Senior EVP of Corporate Banking; • Senior EVP of Corporate Banking;
• Division Head of Multifinance and Commercial Banking; • Division Head of Multifinance and Commercial Banking;
• Division Head of Special Asset Management; • Division Head of Special Asset Management;
• Division Head of SME and Consumer Banking; • Division Head of SME and Consumer Banking;
• Division Head of Credit Risk Review; • Division Head of Credit Risk Review;
• Division Head of Loan and Trade Operations; • Division Head of Loan and Trade Operations;
• Division Head of Treasury; • Division Head of Treasury;
• Division Head of International Banking; dan • Division Head of International Banking; and
• Unit Head of Legal Operation. • Unit Head of Legal Operation.

Direktur Kepatuhan dan Manajemen Risiko wajib hadir dalam The Director of Compliance and Risk Management must be
setiap pertemuan Komite Kredit terkait dengan diperlukannya present at every Credit Committee meeting related to the need
Opini Kepatuhan. Dalam hal Direktur Kepatuhan dan Manajemen for a Compliance Opinion. In the event that the Director of
Risiko berhalangan hadir, maka dapat diwakilkan kepada Division Compliance and Risk Management is unable to attend, it can be
Head of Compliance. represented by the Division Head of Compliance.
Kedudukan Komite Kredit dalam Struktur Position of Credit Committee in the Organizational
Organisasi Structure
Kedudukan Komite Kredit dalam struktur organisasi berada di The position of Credit Committee in the organizational structure
bawah Direksi. is under the Board of Directors.
Ketua Komite Kredit of Credit Committee
Ketua Komite Kredit di angkat dan diberhentikan oleh Direksi. The Chairman of ALCO Committee is appointed and discharged by
Rapat Komite Kredit Credit Committee Meetings

Dalam rangka memutuskan usulan kredit, Komite Kredit dapat In order to decide on a credit proposal, the Credit Committee can
melaksanakan dalam bentuk rapat Komite Kredit maupun carry out in the form of a Credit Committee meeting or circular.
secara sirkuler. Keputusan Anggota Komite Kredit pemutus Decisions of Credit Committee Members must be quorum and
harus kuorum dan bulat/uninamous. Apabila terjadi perbedaan unanimous. If there is a difference in decisions between the Credit
keputusan antar anggota Komite Kredit pemutus, maka kredit Committee members, the credit is deemed rejected. Throughout
dianggap tidak disetujui. Selama tahun 2019, Komite Kredit telah 2019, the Credit Committee held 96 meetings with the average
mengadakan rapat sebanyak 96 kali dengan rata-rata tingkat attendance level of 69.54%. The meeting agenda was to discuss
kehadiran sebesar 69,54%. Agenda rapat tersebut membahas corporate clients, commercial clients, Small Medium Enterprises
klien korporasi, klien komersial, klien Small Medium Enterprises, clients, consumer clients, financing company clients, Financial
klien consumer, klien perusahaan pembiayaan, klien Financial Institution clients, and Special Asset Management clients.
Institution, dan klien Special Asset Management.
Komite Kebijakan Perkreditan Credit Policy Committee

Komite Kebijakan Perkreditan merupakan komite yang memiliki Credit Policy Committee is a committee that assists the Board
peran untuk membantu Direksi dalam merumuskan kebijakan of Directors in formulating credit policy, and to give advises on
kredit, serta memberikan saran untuk perbaikan terkait kebijakan improvement on credit policy. Credit Policy Committee also
kredit. Komite Kebijakan Perkreditan juga berfungsi memastikan works to ensure the compliance to GCG principles in credit policy
dipenuhinya prinsip-prinsip GCG di bidang kebijakan kredit demi for the interest of the Bank and its stakeholders.
kepentingan Bank dan pemangku kepentingan.
Pedoman Kebijakan Perkreditan Credit Policy Guidelines

Komite Kebijakan Perkreditan berpedoman pada Peraturan Otoritas Credit Policy Committee refers to the Financial Services Authority
Jasa Keuangan No. 42/POJK.03/2017 tentang Kewajiban Penyusunan Regulation No. 42/POJK.03/2017 on the Obligation to Prepare and
dan Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank bagi Implement Policy of Bank Credit or Financing for Commercial
Bank Umum dalam menjalankan tugas dan tanggung jawabnya. Bank in implementing its duties and responsibilities.
Tugas dan Tanggung Jawab Komite Kebijakan Duties and Responsibilities of Credit Policy
Perkreditan Committee
Berikut uraian tugas dan tanggung jawab Komite Kebijakan Duties and responsibilities of the Credit Policy Committee and the
Perkreditan beserta realisasinya. realization are.

Memberikan masukan kepada Direksi dalam rangka penyusunan kebijakan Memberikan masukan kepada Direksi untuk merumuskan kebijakan,
perkreditan Bank, terutama yang berkaitan dengan perumusan prinsip mengawasi pelaksanaan kebijakan, memantau perkembangan dan kondisi
kehati-hatian dalam perkreditan Bank. portofolio perkreditan, serta memberikan saran-saran langkah perbaikan.
To provide input to the Board of Directors in the framework of the Bank’s Providing input to the Board of Directors in formulating policies, monitoring
credit policy making, especially with regard to formulation of prudential policy implementation, monitoring the development and condition of the
principles in the Bank’s credit. credit portfolio, and providing suggestions for improvement.


Mengawasi agar kebijakan perkreditan Bank dapat diterapkan dan Menentukan standar format trade checking untuk supplier dan customer.
dilaksanakan secara konsekuen dan konsisten, serta merumuskan Determining standard trade checking format for suppliers and customers.
pemecahan apabila terdapat hambatan/kendala dalam penerapan kebijakan
perkreditan Bank.
To supervise so that the Bank’s credit policy can be implemented and
executed consistently with consequence, and to formulate solutions if there
are obstacles/hindrance in implementing the Bank’s credit policy.
Melakukan kajian terhadap kebijakan perkreditan Bank dan memberikan saran Melakukan evaluasi dan pemutakhiran kebijakan kredit, termasuk
kepada Direksi apabila diperlukan perubahan kebijakan perkreditan Bank. perubahan proses kredit.
To review the Bank’s credit policies and advise the Board of Directors if changes Evaluating and updating credit policies, including changes to the credit
to the Bank’s credit policy are necessary; process; and
Memantau dan mengevaluasi: Komite Kebijakan Perkreditasn telah melakukan memantau dan
1. Perkembangan dan kualitas portofolio perkreditan secara keseluruhan; mengevaluasi pemberian kredit Bank selama tahun 2019.
2. Kebenaran pelaksanaan kewenangan memutus kredit; The Credit Policy Committee has monitored and evaluated the Bank’s credit
3. Kebenaran proses pemberian kredit, perkembangan dan kualitas yang distribution throughout 2019.
diberikan kepada pihak yang terkait dengan Bank dan debitur-debitur besar;
4. Kebenaran pelaksanaan ketentuan batas maksimum pemberian kredit;
5. Ketaatan terhadap ketentuan perundang-undangan dan peraturan
lainnya dalam pelaksanaan pemberian kredit;
6. Penyelesaian kredit bermasalah sesuai dengan yang diterapkan dalam
kebijakan perkreditan Bank; dan
7. Upaya Bank dalam memenuhi kecukupan jumlah penyisihan penghapusan
kredit.
To monitor and evaluate:
1. The development and quality of the credit portfolio in overall;
2. The truth in implementing authority to make decision on credit;
3. The truth of the credit distribution process, the progress and quality
given to parties related to the Bank and major debtors;
4. The truth of the implementation of the provisions on the maximum credit
limit;
5. Adherence to the provisions of legislation and other regulations in the
implementation of credit provision;
6. The settlement of non-performing loans in accordance with those
applied in the Bank’s credit policy; and
7. The Bank’s efforts to meet the adequacy of the allowance for credit write-
off.
Komposisi Komite Kebijakan Perkreditan Composition of Credit Policy Committee

Komposisi anggota Komite Kebijakan Perkreditan terdiri dari: Composition of Credit Policy Committee consists of:
1. Ketua: Direktur Utama 1. Chairman: President Director
2. Wakil Ketua merangkap Anggota: 2. Vice Chairman concurrently as Member:
a. Direktur Bisnis; dan a. Director of Business; and
b. Direktur Kredit. b. Director of Credit.
3. Sekretaris merangkap Anggota: 3. Secretary concurrently as Member:
Kepala Divisi dan Wakil Kepala Divisi Credit Analyst Head and Vice Head of Credit Analyst Division
4. Anggota : 4. Member:
b. Direktur Kepatuhan dan Manajemen Risiko; b. Director of Compliance and Risk Management;
c. Kepala Divisi Corporate Banking; c. Head of Corporate Banking Division;
d. Kepala Divisi Commercial Banking; d. Head of Commercial Banking Division;
e. Kepala Unit Business Support; e. Head of Business Support Unit;
f. Kepala Unit Consumer Lending; f. Head of Consumer Lending Unit;
g. Kepala Divisi Financial Institution and Capital Market; g. Head of Financial Institution and Capital Market Division;
h. Kepala Divisi Credit Administration; h. Head of Credit Administration Division;
i. Kepala Divisi dan/atau Wakil Kepala Divisi Legal; i. Head and/or Vice Head of Legal Division;
j. Kepala Divisi Risk Management/Integrated; j. Head of Risk Management/Integrated Division;
k. Kepala Divisi Compliance, KYC/Integrated and System k. Head of Compliance, KYC/ Integrated and System
Procedure; dan Procedure Division; and
l. Kepala Divisi Audit Internal/Integrated and Anti Fraud l. Head of Internal Audit/Integrated and Anti Fraud Division.
Division.

Kedudukan Komite Kebijakan Perkreditan dalam Position of Credit Policy Committee in the
Struktur Organisasi Organizational Structure
Kedudukan Komite Kebijakan Perkreditan dalam struktur The position of Credit Policy Committee in the organizational
organisasi berada di bawah Direksi. structure is under the Board of Directors.
Ketua Komite Kebijakan Perkreditan of Credit Policy Committee
Ketua Komite Kebijakan Perkreditan di angkat dan diberhentikan The Chairman of Credit Committee is appointed and discharged
oleh Direksi. by the Board of Directors.
Rapat Komite Kebijakan Perkreditan Credit Policy Committee Meetings

Sepanjang tahun 2019, Komite Kebijakan Perkreditan tidak Throughout 2019, the Credit Policy Committee did not hold internal
melakukan rapat internal. Namun, melakukan rapat bersama meeting, but held joint meeting with the Credit Committee.
dengan rapat Komite Kredit.
Komite Teknologi Informasi Information Technology Committee

Komite Teknologi Informasi merupakan Komite yang berfungsi The Information Technology Committee is a Committee that
untuk membantu Dewan Komisaris dan Direksi dalam mengawasi functions to assist the Board of Commissioners and Board of
kegiatan terkait teknologi informasi dan meminimalisasi risiko Directors in overseeing information technology related activities
yang melekat pada kegiatan operasional Bank. and minimizing the risks inherent in the Bank's operational activities.
Pedoman Komite Teknologi Informasi Guidelines of Information Technology Committee

Komite Teknologi Informasi berpedoman pada Peraturan Otoritas The Information Technology Committee refers to the Financial
Jasa Keuangan No. 38/POJK.03/2016 dan Surat Edaran Otoritas Services Authority Regulation No. 38/POJK.03/2016 and Circular
Jasa Keuangan No. 21/SEOJK.03/2017 tentang Penerapan Letter of Financial Services Authority No. 21/SEOJK.03/2017 on
Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Implementation of Risk Management in the Use of Information
Bank Umum dalam menjalankan tugas dan tanggung jawabnya. Technology for Commercial Bank in implementing its duties and
responsibilities.
Tugas dan Tanggung Jawab Komite Teknologi Duties and Responsibilities of Information
Informasi Technology Committee
Berikut uraian tugas dan tanggung Jawab Komite Teknologi Duties and responsibilities of the Information Technology
Informasi beserta realisasinya. Committee and the realization are.

Membuat rencana strategis teknologi informasi (information technology Pada tahun 2019, Komite Teknologi Informasi membuat rencana strategis
strategic plan) yang sesuai dengan rencana strategis kegiatan usaha Bank. yang telah diuraikan pada bab Aspek Pendukung Bisnis dalam Laporan
Prepare information technology strategic plan in line with the strategic plan Tahunan ini.
of the Bank’s business activities. In 2019, the Information Technology Committee made a strategic plan that
is outlined in the chapter of Business Support Aspect in this Annual Report.
Merumuskan kebijakan prosedur teknologi informasi sesuai dengan Pada tahun 2019, Komite Teknologi Informasi merumuskan telah memiliki
Peraturan Bank Indonesia No. 9/15/PBI/2007 tanggal 30 November 2007 kebijakan, standar, dan prosedur penggunaan TI yang meliputi aspek:
tentang Penerapan Manajemen Risiko dalam Penggunaan Teknologi a. Manajemen;
Informasi oleh Bank Umum. b. Pengembangan dan pengadaan;
Formulate information technology procedure policy in accordance with c. Operasional TI;
Bank Indonesia Regulation no. 9/15/PBI/2007 dated 30 November 2007 on d. Jaringan komunikasi;
Implementation of Risk Management in the Use of Information Technology e. Pengamanan informasi;
for Commercial Bank. f. Rencana pemulihan bencana;
g. Layanan perbankan elektronik;
h. Penggunaan pihak penyedia jasa TI; serta
i. Penyediaan jasa TI oleh Bank.
In 2019, the Information Technology Committee formulated IT policies,
standards, and procedures for the use of IT which included aspects of:
a. Management;
b. Development and procurement;
c. IT Operations;
d. Communication network;
e. Information safeguard;
f. Disaster recovery plan;
g. Electronic banking services;
h. Use of IT services provider; and
i. Provision of IT services by the Bank.


Melakukan pemantauan kesesuaian proyek-proyek teknologi informasi yang Komite Teknologi Informasi telah membuat roadmap pengembangan TI
disetujui dengan rencana strategis teknologi informasi. yang disesuaikan dengan rencana jangka menengah dan jangka panjang
Monitor the conformity of information technology projects, which are yang tercantum dalam rencana bisnis Bank.
approved with the information technology strategic plan. The Information Technology Committee has prepared an IT development
roadmap that is tailored to the medium- and long-term plans stated in the
Bank's business plan.
Melakukan pemantauan kesesuaian proyek-proyek teknologi informasi Komite Teknologi Informasi telah melakukan pemantauan kesesuaian
dengan rencana proyek (project charter) yang disepakati dalam service level proyek-proyek teknologi informasi dengan rencana proyek (project charter)
agreement (SLA). yang disepakati dalam service level agreement (SLA).
Monitor the conformity of the information technology projects with the The Information Technology Committee has monitored the conformity
project charter agreed in the Service Level Agreement (SLA). of information technology projects with the project charter agreed in the
Service Level Agreement (SLA).
Melakukan pemantauan kesesuaian teknologi informasi dengan kebutuhan Komite Teknologi Informasi telah melakukan pemantauan kesesuaian
sistem informasi manajemen yang mendukung pengelolaan kegiatan usaha teknologi informasi dengan kebutuhan sistem informasi manajemen yang
Bank. mendukung pengelolaan kegiatan usaha Bank.
Monitor the conformity of information technology to the needs of The Information Technology Committee has monitored the conformity of
management information system that supports the management of the information technology with the needs of management information system
Bank’s business activities. that supports the management of the Bank’s business activities.
Melakukan evaluasi terhadap efektivitas langkah-langkah manajemen risiko Komite Teknologi Informasi melakukan evaluasi terhadap efektivitas
dalam teknologi informasi. langkah-langkah manajemen risiko dalam TI yaitu dengan:
Evaluate the effectiveness of risk management measures in information 1. Pengawasan aktif Direksi dan Dewan Komisaris;
technology. 2. kecukupan kebijakan, standar, dan prosedur penggunaan TI;
3. Kecukupan proses identifikasi, pengukuran, pemantauan dan
pengendalian risiko penggunaan TI; dan
4. Sistem pengendalian internal atas penggunaan TI.
The Information Technology Committee evaluated the effectiveness of risk
management measures in IT by:
1. Active monitoring of the Board of Directors and Board of Commissioners;
2. Adequate policy, standard, and procedure of use of IT;
3. Adequate process of risk identification, measurement, monitoring, and
management of the use of IT; and
4. Internal control system of the use of IT.
Melakukan pemantauan atas kinerja teknologi informasi dan upaya Komite Teknologi Informasi telah melakukan pemantauan atas kinerja
peningkatannya. teknologi informasi untuk mendukung customer experience dalam
Monitor the performance of information technology and its improvement meningkatkan layanan nasabah dan mendekatkan Bank kepada nasabah.
efforts. The Information Technology Committee has monitored the information
technology performance to support the customer experience in improving
customer services and bringing the Bank closer to the customers.
Melakukan penyelesaian berbagai masalah terkait teknologi informasi Pada tahun 2019, tidak terdapat masalah terkait TI yang signifikan.
yang tidak dapat diselesaikan oleh satuan kerja pengguna dan satuan kerja In 2019, there were no significant IT-related issues.
penyelenggara.
Settle various problems related to information technology that cannot be
settled by a user work unit and an organizing work unit.
Melakukan evaluasi kecukupan dan lokasi sumber daya yang dimiliki Bank. Komite Teknologi Informasi telah melakukan evaluasi kecukupan dan lokasi
Evaluate the adequacy and location of resources owned by the Bank. sumber daya yang dimiliki Bank.
The Information Technology Committee has evaluated the adequacy and
location of resources owned by the Bank.
Komposisi Komite Teknologi Informasi Composition of Information Technology Committee

Susunan komposisi Komite Teknologi Informasi sebagai berikut: The composition of Information Technology Committee is as
follows:
1. Ketua : Direktur Utama 1. Head: President Director
2. Anggota: 2. Member:
c. Senior EVP Operation dan IT; c. Senior EVP of Operation and IT;
d. Sekretaris Komite TI; d. Secretary of IT Committee;
e. Senior EVP Finance and Accounting; e. Senior EVP of Finance and Accounting;
f. Kepala Divisi Loan Admin; dan f. Head of Loan Admin Division; and
g. Kepala Divisi Finance dan Accounting. g. Head of Finance and Accounting Division.

Kedudukan Komite Teknologi Informasi Position of Information Technology Committee in

dalam Struktur Organisasi the Organizational Structure
Kedudukan Komite Teknologi Informasi dalam struktur organisasi The position of Information Technology Committee in the
berada di bawah Direksi. organizational structure is under the Board of Directors.
Pihak yang Mengangkat dan Memberhentikan Party Appointing and Dismissing the Information
Komite Teknologi Informasi Technology Committee
Ketua Komite Teknologi Informasi diangkat dan diberhentikan The Chairman of Information Technology Committee is appointed
oleh Direksi. and discharged by the Board of Directors.
Rapat Komite Teknologi Informasi Information Technology Committee Meetings

Komite Teknologi Informasi melaksanakan rapat minimal 1 (satu) kali The Information Technology Committee conducts meetings at
dalam 6 (enam) bulan atau sewaktu-waktu sesuai dengan kebutuhan. least 1 (one) time every 6 (six) months or at any time as necessary.
Pada tahun 2019, Komite Teknologi Informasi telah mengadakan In 2019, the Information Technology Committee held 2 (two)
rapat sebanyak 2 (dua) kali dengan rata-rata tingkat kehadiran meetings with the average attendance level of 100,00%. The
sebesar 100,00%. Agenda rapat tersebut membahas sebagai berikut. meeting agenda was to discuss the following matters.
1. Peninjauan IT performance Januari sampai April 2019: 1. IT performance review from January to April 2019:
• System utilization; dan • System utilization; and
• Cyber security monitoring. • Cyber security monitoring.
2. Project Management: 2. Project Management:
a. Development plan; a. Development plan;
b. Mile stone; dan b. Mile stone; and
c. Project priority triwulan 2 (dua). c. Project priority quarter 2 (two).
3. Project approval: 3. Project approval:
a. Core banking front end; a. Core banking front end;
b. PSAK 71 additional; b. PSAK 71 additional;
c. MB enhancement; dan c. MB enhancement; and
d. Credit cash workflow (LOS). d. Credit cash workflow (LOS).
4. Peninjauan ITSC Bank Victoria triwulan 3 (tiga) tahun 2019: 4. ITSC Review of Bank Victoria quarter 3 (three) of 2019:
a. Project status: a. Project status:
1) IT system & development plan; 1) IT system & development plan;
2) Project development; dan 2) Project development; and
3) Project priority. 3) Project priority.
b. Realisasi anggaran IT: b. Realization of IT budget:
1) Realisasi anggaran Capital expenditure;dan 1) Capital expenditure budget realization, and
2) IT budget by GL code. 2) IT budget by GL code.
c. Proposal project review: c. Project review proposal:
1) Core banking front end: 1) Core banking front end:
• Functionality; • Functionality;
• Architecture;dan • Architecture; and
• Cost estimation. • Cost estimation.
2) PSAK 71; dan 2) PSAK 71; and
3) MB Re-Vamp. 3) MB Re-Vamp.
Komite Pemantau dan Pelaksanaan GCG GCG Monitoring and Implementation

Committee
Komite Pemantau dan Pelaksanaan GCG merupakan komite yang The GCG Monitoring and Implementation Committee is a
membantu Direksi dalam memberikan arahan kebijakan yang committee that assists the Board of Directors in providing policy
berkaitan dengan pelaksanaan GCG di Bank. guidance related to the Bank’s GCG implementation.
Pedoman Komite Pemantau dan Pelaksanaan GCG Guidelines of GCG Monitoring and Implementation
Committee
Komite Pemantau dan Pelaksanaan GCG berpedoman pada The GCG Monitoring and Implementation Committee refers to the
Peraturan Otoritas Jasa Keuangan Peraturan Otoritas Jasa Financial Services Authority Regulation No. 55/POJK.03/2016
Keuangan No. 55/POJK.03/2016 dan Surat Edaran Otoritas Jasa and Circular Letter of Financial Services Authority No. 13/
Keuangan No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola SEOJK.03/2017 on the Implementation of Governance for
bagi Bank Umum dalam menjalankan tugas dan tanggung jawabnya. Commercial Banks in performing its duties and responsibilities.

Tugas dan Tanggung Jawab Komite Pemantau dan Duties and Responsibilities of GCG Monitoring and
Pelaksanaan GCG Implementation Committee
Uraian tugas dan tanggung jawab Komite Pemantau dan The duties and responsibilities of GCG Monitoring and
Pelaksanaan GCG sebagai berikut. Implementation Committee are as follows.

Memantau dan menganalisis setiap kebijakan terbaru maupun praktik Melakukan pemantauan dan menganalisis kebijakan terbaru, yaitu:
terbaik terkait penerapan GCG. a. Peraturan Bank Indonesia:
Monitoring and analyzing any current policy and best practices related to · No. 21/1/PBI/2019 tanggal 7 Januari 2019 tentang Utang Luar Negeri
GCG implementation. Bank dan Kewajiban Bank Lainnya dalam Valuta Asing;
· No. 21/2/PBI/2019 tanggal 7 Januari 2019 tentang Pelaporan Kegiatan
Lalu Lintas Devisa;
· No. 21/6/PBI/2019 tanggal 26 April 2019 tentang Perubahan ketiga atas
Peraturan Bank Indonesia No. 20/5/PBI/2018 tentang Operasi Moneter;
· No. 21/7/PBI/2019 tanggal 15 Mei 2019 tentang Perubahan atas
Peraturan Bank Indonesia No. 20/10/PBI/2018 tentang Transaksi
Domestic Non-Deliverable Forward;
· No. 21/8/PBI/2019 tanggal 24 Mei 2019 tentang Perubahan Ketiga atas
Peraturan Bank Indonesia No. 17/9/PBI/2015 tentang Penyelenggaraan
Transfer Dana dan Kliring Berjadwal oleh Bank Indonesia;
· No. 21/9/PBI/2019 tanggal 30 Agustus 2019 tentang Laporan Bank
Umum Terintegrasi;
· No. 21/10/PBI/2019 tanggal 30 Agustus 2019 tentang Pengelolaan Uang
Rupiah;
· No. 21/11/PBI/2019 tanggal 3 Oktober 2019 tentang Penyelenggaraan
Central Counterparty Transaksi Derivatif Suku Bunga dan Nilai Tukar
Over The Counter;
· No. 21/12/PBI/2019 tanggal 25 November 2019 tentang Perubahan
atas Peraturan Bank Indonesia No. 20/4/PBI/2018 tentang
Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas
Makroprudensial bagi Bank Umum Konvensional, Bank Umum Syariah,
dan Unit Usaha Syariah;
· No. 21/13/PBI/2019 tanggal 25 November tentang Perubahan atas
Peraturan Bank Indonesia No. 20/8/PBI/2018 tentang Rasio Loan to Value
untuk Kredit Properti, Rasio Financing to Value untuk Pembiayaan Properti,
dan Uang Muka untuk Kredit atau Pembiayaan Kendaraan Bermotor;
· No. 21/14/PBI/2019 tanggal 28 November tentang Devisa Hasil Ekspor
dan Devisa Pembayaran Impor;
· No. 21/15/PBI/2019 tanggal 9 Desember 2019 tentang Pemantauan
Kegiatan Lalu Lintas Devisa Bank dan Nasabah; dan
· No. 21/16/PBI/2019 tanggal 30 Desember 2019 tentang Standardisasi
Kompetensi Di Bidang Sistem Pembayaran dan Pengelolaan Uang Rupiah.
b. Peraturan Otoritas Jasa Keuangan:

· No. 32/POJK.03/2018 tanggal 26 Desember 2018 tentang Batas Maksimum
Pemberian Kredit dan Penyediaan Dana Besar bagi Bank Umum;
· No. 34/POJK.03/2018 tanggal 27 Desember 2018 tentang Penilaian
Kembali bagi Pihak Utama Lembaga Jasa Keuangan;
· No. 1/POJK.03/2019 tanggal 28 Januari 2019 tentang Penerapan
Fungsi Audit Intern pada Bank Umum;
· No. 11/POJK.03/2019 tanggal 27 Maret 2019 tentang Prinsip
Kehati-Hatian dalam Aktivitas Sekuritisasi Aset bagi Bank Umum;
· No. 12/POJK.03/2019 tanggal 4 April 2019 tentang Pelaporan Bank
Umum Melalui Sistem Pelaporan Otoritas Jasa Keuangan;
· No. 23/POJK.01/2019 tanggal 18 September 2019 tentang Perubahan
atas Peraturan Otoritas Jasa Keuangan No. 12/POJK.01/2017 tentang
Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan
Terorisme Di Sektor Jasa Keuangan;
· No. 25/POJK.03/2019 tanggal 15 Oktober 2019 tentang Pelaporan
Informasi Nasabah Asing terkait Perpajakan Kepada Negara Mitra atau
Yurisdiksi Mitra;
· No. 30/POJK.04/2019 tanggal 29 November 2019 tentang Penerbitan
Efek Bersifat Utang dan/atau Sukuk yang Dilakukan Tanpa Melalui
Penawaran Umum;
· No. 31/POJK.03/2019 tanggal 2 Desember 2019 tentang Kewajiban
Pemenuhan Rasio Pengungkit bagi Bank Umum;
· No. 36/POJK.03/2019 tanggal 18 Desember 2019 tentang Penyampaian
Laporan Melalui Portal Pelaporan Terintegrasi;
· No. 37/POJK.03/2019 tanggal 19 Desember 2019 tentang Transparansi
dan Publikasi Laporan Bank;


· No. 38/POJK.03/2019 tanggal 19 Desember 2019 tentang Perubahan
atas Peraturan Otoritas Jasa Keuangan No. 32/POJK.03/2018 tentang
Batas Maksimum Pemberian Kredit dan Penyediaan Dana Besar bagi
Bank Umum;
· No. 39/POJK.03/2019 tanggal 19 Desember 2019 tentang Penerapan
Strategi Anti Fraud bagi Bank Umum;
· No. 40/POJK.03/2019 tanggal 19 Desember 2019 tentang Penilaian
Kualitas Aset Bank Umum; dan
· No. 41/POJK.03/2019 tanggal 23 Desember 2019 tentang
Penggabungan, Peleburan, Pengambilalihan, Integrasi, dan Konversi
Bank Umum.
c. Peraturan Anggota Dewan Gubernur:

· No. 21/1/PADG/2019 tanggal 17 Januari 2019 tentang Perubahan atas
Peraturan Anggota Dewan Gubernur No. 19/6/PADG/2017 tentang
Pinjaman Likuiditas Jangka Pendek bagi Bank Umum Konvensional;
· No. 21/3/PADG/2019 tanggal 15 Februari 2019 tentang Utang Luar
Negeri Bank dan Kewajiban Bank Lainnya dalam Valuta Asing;
· No. 21/4/PADG/2019 tanggal 28 Februari 2019 tentang Pelaporan
Kegiatan Lalu Lintas Devisa Berupa Utang Luar Negeri dan Transaksi
Partisipasi Risiko;
· No. 21/5/PADG/2019 tanggal 29 Maret 2019 tentang Perubahan Ketiga
atas Peraturan Anggota Dewan Gubernur No. 20/11/PADG/2018
tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas
· No. 21/5/PADG/2019 tanggal 29 Maret 2019 tentang Perubahan Ketiga
tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas
· No. 21/6/PADG/2019 tanggal 9 April 2019 tentang Perubahan Ketiga
atas Peraturan Anggota Dewan Gubernur No. 20/6/PADG/2018 tentang
Pelaksanaan Operasi Pasar Terbuka;
· No. 21/8/PADG/2019 tanggal 2 Mei 2019 tentang Perubahan Ketiga atas
Instrumen Operasi Pasar Terbuka;
· No. 21/9/PADG/2019 tanggal 2 Mei 2019 tentang Perubahan Kedua atas
Standing Facilities;
· No. 21/10/PADG/2019 tanggal 31 Mei 2019 tentang Standar Layanan
Nasabah dalam Pelaksanaan Transfer Dana dan Kliring Berjadwal
Melalui Sistem Kliring Nasional Bank Indonesia;
· No. 21/11/PADG/2019 tanggal 31 Mei 2019 tentang Batas Nilai Nominal
Transaksi Melalui Sistem Bank Indonesia Real Time Gross Settlement
dan Sistem Kliring Nasional Bank Indonesia;
No. 21/12/PADG/2019 tanggal 31 Mei 2019 tentang Penyelenggaraan
Transfer Dana dan Kliring Berjadwal oleh Bank Indonesia;
· No. 21/13/PADG/2019 tanggal 31 Mei 2019 tentang Transaksi Derivatif
Suku Bunga Rupiah Berupa Transaksi Interest Rate Swap;
· No. 21/14/PADG/2019 tanggal 26 Juni 2019 tentang Perubahan Kedua
tentang Giro Wajib Minimum dalam Rupiah dan Valuta Asing bagi Bank
Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah;
· No. 21/15/PADG/2019 tanggal 19 Juli 2019 tentang Penerimaan Devisa
Hasil Ekspor dari Kegiatan Pengusahaan, Pengelolaan, dan/atau
Pengolahan Sumber Daya Alam;
· No. 21/16/PADG/2019 tanggal 19 Juli 2019 tentang Pemantauan
Kegiatan Lalu Lintas Devisa Bank dan Nasabah;
· No. 21/17/PADG/2019 tanggal 31 Juli 2019 tentang Perusahaan Pialang
Pasar Uang dan Pasar Valuta Asing;
· No. 21/18/PADG/2019 tanggal 16 Agustus 2019 tentang Implementasi
Standar Nasional Quick Response Code untuk Pembayaran;
· No. 21/19/PADG/2019 tanggal 31 Oktober 2019 tentang Penyedia
Electronic Trading Platform;
· No. 21/20/PADG/2019 tanggal 31 Oktober 2019 tentang Systematic
Internalisers;


· No. 21/21/PADG/2019 tanggal 27 November 2019 tentang Perubahan
atas Peraturan Anggota Dewan Gubernur No. 19/5/PADG/2017 tentang
Pelaksanaan Sertifikasi Tresuri dan Penerapan Kode Etik Pasar;
· No. 21/22/PADG/2019 tanggal 28 November 2019 tentang
Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas
· No. 21/23/PADG/2019 tanggal 6 Desember 2019 tentang Laporan Bank
Umum Terintegrasi;
· No. 21/24/PADG/2019 tanggal 17 Desember 2019 tentang Perubahan
Keempat atas Peraturan Anggota Dewan Gubernur No. 20/6/
PADG/2018 tentang Pelaksanaan Operasi Pasar Terbuka;
· No. 21/25/PADG/2019 tanggal 17 Desember 2019 tentang Rasio
Loan To Value untuk Kredit Properti, Rasio Financing To Value untuk
Pembiayaan Properti, dan Uang Muka untuk Kredit atau Pembiayaan
Kendaraan Bermotor;
· No. 21/26/PADG/2019 tanggal 23 Desember 2019 tentang Devisa Hasil
Ekspor dan Devisa Pembayaran Impor;
· No. 21/27/PADG/2019 tanggal 26 Desember 2019 tentang Perubahan
Ketiga atas Peraturan Anggota Dewan Gubernur No. 20/10/PADG/2018
tentang Giro Wajib Minimum dalam Rupiah dan Valuta Asing bagi Bank
Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah;
· No. 21/28/PADG/2019 tanggal 31 Desember 2019 tentang Pemantauan
Kegiatan Lalu Lintas Devisa Bank dan Nasabah; dan
· Surat Edaran Otoritas Jasa Keuangan No. 9/SEOJK.03/2019 tanggal 21
Juni 2019 tentang Penilaian Kembali bagi Pihak Utama Bank.
Monitoring and analyzing new policies, which are:

a. Bank Indonesia Regulations:
• No. 21/1/PBI/2019 dated 7 January 2019 on Foreign Debt of Banks and
Other Liabilities of Banks in Foreign Currencies;
• No. 21/2/PBI/2019 dated 7 January 2019, on Reporting on Foreign
Exchange Activities;
• No. 21/6/PBI/2019 dated 26 April 2019 on Amendment to Bank
Indonesia Regulation No. 20/5/PBI/2018 on Monetary Operations;
• No. 21/7/PBI/2019 dated 15 May 2019 on Amendment to Bank Indonesia
Regulation No. 20/10/PBI/2018 on Domestic Non-Deliverable Forward
Transaction;
• No. 21/8/PBI/2019 dated 24 May 2019 on Third Amendment to Bank
Indonesia Regulation No. 17/9/PBI/2015 on the Scheduled Funds
Transfer and Clearing by Bank Indonesia;
• No. 21/9/PBI/2019 dated 30 August 2019 on Integrated Commercial
Banks Report;
• No. 21/10/PBI/2019 dated 30 August 2019 on Management of Rupiah
Money;
• No. 21/11/PBI/2019 dated 3 October 2019 on the Implementation of
Central Counterparty of Derivative Transactions for Interest Rates and
Over The Counter Exchange Rates;
• No. 21/12/PBI/2019 dated 25 November 2019 on Amendment to
Bank Indonesia Regulation No. 20/4/PBI/2018 on Macroprudential
Intermediation Ratio and Macroprudential Liquidity Buffer for
Conventional Commercial Banks, Sharia Commercial Banks, and
Sharia Business Units.
• No. 21/13/PBI/2019 dated 25 November on Amendment to Bank
Indonesia Regulation No. 20/8/PBI/2018 on Loan to Value Ratio for
Property Credit, Financing to Value Ratio for Property Financing, and
Down Payment for Motor Vehicles Credit or Financing;
• No. 21/14/PBI/2019 dated 28 November on Foreign Exchange from
Export Results and Foreign Exchange from Import Payments;
• No. 21/15/PBI/2019 dated 9 December 2019 on Monitoring of Bank and
Customer’s Foreign Exchange Activities; and
• No. 21/16/PBI/2019 dated 30 December 2019 on Standardization of
Competencies in the Field of Payment System and Management of
Rupiah Money.


b. Financial Services Authority Regulations:
• No. 32/POJK.03/2018 dated 26 December 2018 on Legal Lending Limit
and Provision of Large Exposure for Commercial Banks;
• No. 34/POJK.03/2018 dated 27 December 2018 on Reassessment for
Main Entity of Financial Services Institutions;
• No. 1/POJK.03/2019 dated 28 January 2019 on Implementation of
Internal Audit Function for Commercial Banks;
• No. 11/POJK.03/2019 dated 27 March 2019, on Prudential Principles in
Asset Securitization Activities for Commercial Banks;
• No. 12/POJK.03/2019 dated 4 April 2019 on Commercial Bank Reporting
Through the Financial Services Authority Reporting System;
• No. 23/POJK.01/2019 dated 18 September 2019 on Amendment to
Financial Services Authority Regulation No. 12/POJK.01/2017 on
the Implementation of Anti-Money Laundering and Prevention of
Terrorism Financing in Financial Services Sector;
• No. 25/POJK.03/2019 dated 15 October 2019 on Reporting of Foreign
Customer Information related to Taxation to the Partner Country or
Partner Jurisdiction;
• No. 30/POJK.04/2019 dated 29 November 2019 on Issuance of Debt
and/or Sukuk Securities Without Public Offering;
• No. 31/POJK.03/2019 dated 2 December 2019 on Obligation to Meet
Leverage Ratio for Commercial Banks;
• No. 36/POJK.03/2019 dated 18 December 2019 on Submission of
Reports through the Integrated Reporting Portal;
• No. 37/POJK.03/2019 dated 19 December 2019 on Transparency and
Publication of Bank Reports;
• No. 38/POJK.03/2019 dated 19 December 2019 on Amendment to
Financial Services Authority Regulation No. 32/POJK.03/2018 on
Legal Lending Limit and Provision of Large Exposure for Commercial
Banks;
• No. 39/POJK.03/2019 dated 19 December 2019 on the Implementation
of Anti-fraud Strategy for Commercial Banks;
• No. 40/POJK.03/2019 dated 19 December 2019 on Asset Quality
Assessment of Commercial Banks; and
• No. 41/POJK.03/2019 dated 23 December 2019 on Merger,
Consolidation, Acquisition, Integration, and Conversion of Commercial
Banks.
c. Regulations of Members of Board of Governors:

• No. 21/1/PADG/2019 dated 17 January 2019 on Amendment to
Regulation of Members of Board of Governors No. 19/6/PADG/2017 on
Short-term Liquidity Loans for Conventional Commercial Banks;
• No. 21/3/PADG/2019 dated 15 February 2019 on Foreign Debt of Banks
and Other Liabilities of Banks in Foreign Currencies;
• No. 21/4/PADG/2019 dated 28 February 2019 on Reporting on Foreign
Exchange Activities in the Form of Foreign Debt and Risk Participation
Transactions;
• No. 21/5/PADG/2019 dated 29 March 2019 on Third Amendment to
Macroprudential Intermediation Ratio and Macroprudential Liquidity
Buffer for Conventional Commercial Banks, Sharia Commercial Banks,
and Sharia Business Units;
• No. 21/6/PADG/2019 dated 9 April 2019 on Third Amendment to
Implementation of Open Market Operations;
• No. 21/8/PADG/2019 dated 2 May 2019 on Third Amendment to
Instruments of Open Market Operations;
• No. 21/9/PADG/2019 dated 2 May 2019 on Second Amendment to
Standing Facilities;
• No. 21/10/PADG/2019 dated 31 May 2019 on Customer Service
Standards in the Implementation of Fund Transfers and Scheduled
Clearing through Bank Indonesia National Clearing System;
• No. 21/11/PADG/2019 dated 31 May 2019 on Limits of Nominal Value
of Transactions through Bank Indonesia Real Time Gross Settlement
System and Bank Indonesia National Clearing System;
• No. 21/12/PADG/2019 dated 31 May 2019 on the Implementation of
Scheduled Funds Transfer and Clearing by Bank Indonesia;
• No. 21/13/PADG/2019 dated 31 May 2019 on Derivative Transactions of
Rupiah Interest Rate in the Form of Interest Rate Swap Transactions;
• No. 21/14/PADG/2019 dated 26 June 2019 on Second Amendment to
Regulation of Members of Board of Governors No. 20/10/PADG/2018
on Minimum Statutory Reserves in Rupiah and Foreign Exchange
for Conventional Commercial Banks, Sharia Commercial Banks, and
Sharia Business Units;


• No. 21/15/PADG/2019 dated 19 July 2019 on Proceeds of Foreign
Exchange from Exports of Business Activities, Management, and/or
Processing of Natural Resources;
• No. 21/16/PADG/2019 dated 19 July 2019 on Monitoring of Bank and
Customer’s Foreign Exchange Activities;
• No. 21/17/PADG/2019 dated 31 July 2019 on Money Market and Foreign
Exchange Market Broking Companies;
• No. 21/18/PADG/2019 dated 16 August 2019 on Implementation of
National Standard of Quick Response Code for Payment;
• No. 21/19/PADG/2019 dated 31 October 2019 on Provider of Electronic
Trading Platform;
• No. 21/20/PADG/2019 dated 31 October 2019 on Systematic
Internalisers;
• No. 21/21/PADG/2019 dated 27 November 2019 on Amendment to
Treasury Certification and Application of Market Code of Conduct;
• No. 21/22/PADG/2019 dated 28 November 2019 on Macroprudential
Intermediation Ratio and Macroprudential Liquidity Buffer for
Conventional Commercial Banks, Sharia Commercial Banks, and
• No. 21/23/PADG/2019 dated 6 December 2019 on Integrated
Commercial Banks Report;
• No. 21/24/PADG/2019 dated 17 December 2019 on Fourth Amendment
to Regulation of Members of Board of Governors No. 20/6/PADG/2018
on Implementation of Open Market Operations;
• No. 21/25/PADG/2019 dated 17 December 2019 on Loan to Value Ratio
for Property Credit, Financing to Value Ratio for Property Funding, and
Down Payment for Motor Vehicles Credit or Financing;
• No. 21/26/PADG/2019 dated 23 December 2019 on Foreign Exchange
from Export Results and Foreign Exchange from Import Payments;
• No. 21/27/PADG/2019 dated 26 December 2019 on Third Amendment
to Regulation of Members of Board of Governors No. 20/10/PADG/2018
on Minimum Statutory Reserves in Rupiah and Foreign Exchange
for Conventional Commercial Banks, Sharia Commercial Banks, and
• No. 21/28/PADG/2019 dated 31 December 2019 on Monitoring of Bank
and Customer’s Foreign Exchange Activities; and
• Financial Services Authority Circular No. 9/SEOJK.03/2019 dated 21
June 2019 on Reassessment for Main Entity of Bank.
Melakukan pemutakhiran kebijakan internal (existing) terhadap setiap Melakukan pemutakhiran kebijakan internal yaitu:
perubahan kebijakan GCG, sehingga kebijakan yang digunakan sesuai a. Kajian Kebijakan dan Prosedur
dengan kebijakan terbaru dan sesuai praktik terbaik. • SOP System Procedure No. 001/SK-DIR/01/19 tanggal 2 Januari 2019;
Updating the existing internal policies against any GCG policy changes, so • Standar Operasional Prosedur Bank Garansi No. 004/SK-DIR/01/19
that the policies used are in accordance with the latest policies and best tanggal 16 Januari 2019;
practices. • SOP tingkat Kesehatan Bank No. 004/SK-DIR/02/19 tanggal 11 Februari
2019;
• Information Technology Committee No. 005/SK-DIR/02/19 tanggal 11
Februari 2019;
• Prosedur Penilaian Profil Risiko No. 006/SK-DIR/02/19 tanggal 11
Februari 2019;
• SOP SKBDN No. 010/SK-DIR/02/19 tanggal 27 Februari 2019;
• SOP Customer Information File (CIF) No. 011/SK-DIR/02/19 tanggal 27
Februari 2019;
• SOP Layanan Pengaduan Konsumen No. 015/SK-DIR/02/19 tanggal 27
Februari 2019;
• SOP Pengelolaan Inventaris No. 003/SK-DIR/03/19 tanggal 1 Maret
2019;
• SOP New V-Plan No. 002/SK-DIR/04/19 tanggal 5 April 2019;
• SOP HCM No. 003/SK-DIR/04/19 tanggal 9 April 2019;
• Penilaian Profil Risiko Terintegrasi No. 006/SK-DIR/04/19 tanggal 26
April 2019;
• SOP Kerja Sama Bank Garansi dengan Perusahaan Asuransi No. 003/
SK-DIR/05/19 tanggal 14 Mei 2019;
• Kebijakan Penanganan Power User Aplikasi Matairsys No. 010/SK-
DIR/05/19 tanggal 29 Mei 2019;
• SOP Access Control & Security No. 011/SK-DIR/05/19 tanggal 29 Mei
2019;


• Pedoman Penanganan Penggunaan Power User No, 012/SK-DIR/05/19
tanggal 29 Mei 2019;
• Kebijakan Penanganan Power User Aplikasi Internet Banking Bisnis IT
(IBB) No. 001/SK-DIR/06/19 tanggal 10 Juni 2019;
• SOP Tabungan Victoria Maxima No. 002/SK-DIR/06/19 tanggal 17 Juni
2019;
• Pedoman Aktifasi Fungsional Operasional di Risiko Operasional (Risk
Register) No. 003/SK-DIR/06/19 tanggal 19 Juni 2019;
• SOP Pelayanan Keuangan kepada Penyandang Disabilitas No. 004/SK-
DIR/06/19 tanggal 21 Juni 2019;
• SOP Pemeliharaan Gedung dan Bangunan-Bab III No. 005/SK-
• Kebijakan Manajemen Risiko terkait Information Technology No. 007/
SK-DIR/06/19 tanggal 27 Juni 2019;
• Kebijakan Pengelolaan Konfigurasi Perangkat Keras dan Perangkat
Lunak No. 008/SK-DIR/06/19 tanggal 27 Juni 2019;
• Prosedur Pengamanan operasional Teknologi Sistem Informasi No.
009/SK-DIR/06/19 tanggal 27 Juni 2019;
• Kebijakan Kecukupan Kontrak dan Tersedianya SLA Bank No. 011/SK-
• Kebijakan Klasifikasi dan Pertukaran Informasi No. 012/SK-DIR/06/19
tanggal 28 Juni 2019;
• Kebijakan Security Awareness No. 013/SK-DIR/06/19 tanggal 28 Juni
2019;
• SOP Bab XIV Benturan Kepentingan No. 001/COMP-SOP/07/2019
tanggal 9 Juli 2019;
• SOP Internal Control No. 002/COMP-SOP/07/2019 tanggal 9 Juli 2019;
• Kebijakan Manajemen Risiko Terkait Informasi Technology No. 003/
COMP-SOP/07/2019 tanggal 9 Juli 2019;
• Kebijakan Klasifikasi & Pertukaran Informasi TSI No. 004/COMP-
SOP/07/2019 tanggal 9 Juli 2019;
• Kebijakan Secutiry Awarness No. 005/COMP-SOP/07/2019 tanggal 9
Juli 2019;
• Kebijakan Pengukuran Kinerja & Perencanaan Kapasitas Jaringan No.
006/COMP-SOP/07/2019 tanggal 9 Juli 2019;
• Kebijakan Pengamanan Logik (Logical Security) No. 007/COMP-
• Prosedur Tata Kelola E-mail No. 008/COMP-SOP/07/2019 tanggal 9
Juli 2019;
• Prosedur Penilaian Profil Risiko No. 009/COMP-SOP/07/2019 tanggal
11 Juli 2019;
• Kebijakan dan Prosedur User Identification No. 010/COMP-
• Kebijakan Penanganan Power User Aplikasi PSAK No. 011/COMP-
• Kebijakan Manajemen Insiden Keamanan Informasi No. 012/COMP-
• Kebijakan Change Management No. 013/COMP-SOP/07/2019 tanggal
23 Juli 2019;
• Kebijakan & Prosedur HCM No. 014/COMP-SOP/07/2019 tanggal 29 Juli
2019;
• Kebijakan dan Prosedur Audit Intern Teknologi Informasi No. 001/
COMP-SOP/08/2019 tanggal 12 Agustus 2019;
• Kebijakan Perencanaan Kapasitas Teknologi Informasi No. 002/
COMP-SOP/08/2019 tanggal 12 Agustus 2019;
• Kebijakan Pemeliharaan Perangkat Keras dan Perangkat Lunak No.
003/COMP-SOP/08/2019 tanggal 15 Agustus 2019;
• Kebijakan Penanganan Kejadian No. 004/COMP-SOP/08/2019 tanggal
15 Agustus 2019;
• Kebijakan Penghapusan Perangkat Keras dan Perangkat Lunak No.
005/COMP-SOP/08/2019 tanggal 16 Agustus 2019;
• Kebijakan & Prosedur Multifinance No. 006/COMP-SOP/08/2019
tanggal 22 Agustus 2019;
• Kebijakan PSAK 50 dan 55 – CKPN Kredit No. 007/COMP-SOP/08/2019
tanggal 22 Agustus 2019;


• Kebijakan Penglolaan Data Warehouse (DWH) No. 008/COMP-
SOP/08/2019 tanggal 22 Agustus 2019;
• Kebijakan User Representatif No. 009/COMP-SOP/08/2019 tanggal 22
Agustus 2019;
• Kebijakan Pengelolaan Aset – Teknologi Informasi No. 010/COMP-
SOP/08/2019 tanggal 22 Agustus 2019;
• Kebijakan System Development Life Cycle (SDLC) No. 001/COMP-
SOP/09/2019 tanggal 10 September 2019;
• Prosedur System Development Life Cycle (SDLC) No. 002/COMP-
SOP/09/2019 tanggal 10 September 2019;
• SOP Penilaian Agunan (Appraisal) No. 001/COMP-SOP/10/2019 tanggal
4 Oktober 2019;
• SOP Pengelolaan Inventaris No. 002/COMP-SOP/10/2019 tanggal 25
Oktober 2019;
• Kebijakan & SOP Sysdur No. 001/COMP-SOP/11/2019 tanggal 15
November 2019;
• SOP Kepatuhan No. 002/COMP-SOP/11/2019 tanggal 25 November
2019;
• Kebijakan Kepatuhan No. 003/COMP-SOP/11/2019 tanggal 25
November 2019;
• Kebijakan & Prosedur Corporate Lending No. 004/COMP-SOP/11/2019
tanggal 28 November 2019;
• Kebijakan & SOP Commercial Banking No. 005/COMP-SOP/11/2019
tanggal 29 November 2019; dan
• Kebijakan & SOP Akuntansi No. 006/COMP-SOP/11/2019 tanggal 29
November 2019.
b. Kajian Produk
• Kajian Kerja Sama Bancassurance Produk VIP Investa Link Assurance
antara PT Bank Victoria International, Tbk dengan PT Victoria ALife
Indonesia No. 01/COMP-PD/07/2019 tanggal 22 Juli 2019;
• Compliance Checklist Peningkatan Status Kantor Kas Sahid menjadi
Kantor Cabang Pembantu No. 030/DIR-EKS/08/2019 tanggal 12
Agustus 2019; dan
• Compliance Checklist Peningkatan Status Kantor Kas Muara Karang
2 menjadi Kantor Cabang Pembantu tanggal 16 Agustus 2019.
Updating internal policies as follows.

a. Review of Policy and Procedure
• SOP for System Procedure No. 001/SK-DIR/01/19 dated 2 January
2019;
• Standard Operating Procedure for Bank Guarantee No. 004/SK-
DIR/01/19 dated 16 January 2019;
• SOP for Bank’s Soundness Level No. 004/SK-DIR/02/19 dated 11
February 2019;
• Information Technology Committee No. 005/SK-DIR/02/19 dated 11
February 2019;
• Procedure for Risk Profile Assessment No. 006/SK-DIR/02/19 dated 11
February 2019;
• SOP of SKBDN No. 010/SK-DIR/02/19 dated 27 February 2019;
• SOP for Customer Information File (CIF) No. 011/SK-DIR/02/19 dated 27
February 2019;
• SOP for Consumer Complaints Services No. 015/SK-DIR/02/19 dated
27 February 2019;
• SOP for Inventory Management No. 003/SK-DIR/03/19 dated 1 March
2019;
• SOP for New V-Plan No. 002/SK-DIR/04/19 dated 5 April 2019;
• SOP for HCM No. 003/SK-DIR/04/19 dated 9 April 2019;
• Integrated Risk Profile Assessment No. 006/SK-DIR/04/19 dated 26
April 2019;
• SOP for Cooperation of Bank Guarantee with Insurance Companies No.
003/SK-DIR/05/19 dated 14 May 2019;
• Policy to Manage Power User of Matairsys Application No. 010/SK-
DIR/05/19 dated 29 May 2019;
• SOP for Access Control & Security No. 011/SK-DIR/05/19 dated 29 May
2019;


• Manual to Manage the Use of Power User No. 012/SK-DIR/05/19 dated
29 May 2019.
• Policy on Power User Management of IT Application, Business Internet
Banking (IBB) No. 001/SK-DIR/06/19 dated 10 June 2019;
• SOP for Victoria Maxima Savings No. 002/SK-DIR/06/19 dated 17 June
2019;
• Guidelines on Operational Functional Activation of Operational Risk
(Risk Register) No. 003/SK-DIR/06/19 dated 19 June 2019;
• SOP for Financial Services for People with Disabilities No. 004/SK-
DIR/06/19 dated 21 June 2019;
• SOP for Construction and Building Maintenance - Chapter III No. 005/
SK-DIR/06/19 dated 26 June 2019;
• Risk Management Policy related to Information Technology No. 007/
• Policy on Hardware and Software Configuration Management No. 008/
• Operational Security Procedures for Information System Technology
No. 009/SK-DIR/06/19 dated 27 June 2019;
• Policy on Adequacy of Contract and Availability of Bank’s SLA No. 011/
• Policy for Classification and Exchange of Information No. 012/SK-
DIR/06/19 dated 28 June 2019;
• Security Awareness Policy No. 013/SK-DIR/06/19 dated 28 June 2019;
• SOP Chapter XIV Conflict of Interest No. 001/COMP-SOP/07/2019
dated 9 July 2019;
• SOP for Internal Control No. 002/COMP-SOP/07/2019 dated 9 July
2019;
• Risk Management Policy related to Information Technology No. 003/
COMP-SOP/07/2019 dated 9 July 2019;
• Policy for Classification and Exchange of TSI Information No. 004/
• Security Awareness Policy No. 005/COMP-SOP/07/2019 dated 9 July
2019;
• Policy for Performance Measurement & Network Capacity Planning
No. 006/COMP-SOP/07/2019 dated 9 July 2019;
• Logical Security Policy No. 007/COMP-SOP/07/2019 dated 9 July 2019;
• Procedure for E-mail Governance No. 008/COMP-SOP/07/2019 dated 9
July 2019;
• Procedure for Risk Profile Assessment No. 009/COMP-SOP/07/2019
dated 11 July 2019;
• Policy and Procedure for User Identification No. 010/COMP-
SOP/07/2019 dated 22 July 2019;
• Policy to Manage Power User of PSAK Application No. 011/COMP-
SOP/07/2019 dated 22 July 2019;
• Information Security Incident Management Procedures No. 012/
• Change Management Policy No. 013/COMP-SOP/07/2019 dated 23 July
2019;
• Policy & Procedure of HCM No. 014/COMP-SOP/07/2019 dated 29 July
2019;
• Policy and Procedure for Information Technology Internal Audit No.
001/COMP-SOP/08/2019 dated 12 August 2019;
• Policy for Information Technology Capacity Planning No. 002/COMP-
SOP/08/2019 dated 12 August 2019;
• Policy for Hardware and Software Maintenance No. 003/COMP-
• Policy for Event Handling No. 004/COMP-SOP/08/2019 dated 15
August 2019;
• Hardware and Software Removal Policy No. 005/COMP-SOP/08/2019
dated 16 August 2019;
• Policy & Procedure for Multifinance No. 006/COMP-SOP/08/2019
dated 22 August 2019;
• Policy for PSAK 50 and 55 - Credit’s CKPN (allowance for impairment
losses) No. 007/COMP-SOP/08/2019 dated 22 August 2019;
• Policy for Data Warehouse (DWH) Management No. 008/COMP-
• User Representative Policy No. 009/COMP-SOP/08/2019 dated 22
August 2019;


• Policy for Asset-Information Technology Management No. 010/COMP-
• Policy for System Development Life Cycle (SDLC) No. 001/COMP-
SOP/09/2019 dated 10 September 2019;
• Procedure for System Development Life Cycle (SDLC) No. 002/COMP-
SOP/09/2019 dated 10 September 2019;
• SOP for Collateral Appraisal No. 001/COMP-SOP/10/2019 dated 4
October 2019;
• SOP for Inventory Management No. 002/COMP-SOP/10/2019 dated 25
October 2019;
• Policy & SOP for System Procedure No. 001/COMP-SOP/11/2019 dated
15 November 2019;
• SOP for Compliance No. 002/COMP-SOP/11/2019 dated 25 November
2019;
• Compliance Policy No. 003/COMP-SOP/11/2019 dated 25 November
2019;
• Policy & Procedure for Corporate Lending No. 004/COMP-SOP/11/2019
dated 28 November 2019;
• Policy & SOP for Commercial Banking No. 005/COMP-SOP/11/2019
dated 29 November 2019; and
• Policy & SOP for Accounting No. 006/COMP-SOP/11/2019 dated 29
November 2019.
b. Product Review
• Review of Bancassurance Cooperation on VIP Investa Link Assurance
Products between PT Bank Victoria International Tbk and PT Victoria
ALife Indonesia No. 01/COMP-PD/07/2019 dated 22 July 2019;
• Compliance Checklist on Improvement of Status of Sahid’s Cash Office
to be Sub-Branch Office No. 030/DIR-EKS/08/2019 dated 12 August
2019; and
• Compliance Checklist on Improvement of Status of Muara Karang
2’s Cash Office to be Sub-Branch Office dated 16 August 2019.
Memantau secara berkala terhadap rencana dan realisasi/pencapaian Komite telah memantau secara berkala terhadap rencana dan realisasi/
bisnis Bank melalui rapat-rapat Komite. pencapaian bisnis Bank melalui rapat-rapat Komite.
Monitoring periodically on the Bank’s plans and business realizations/ The Committee has monitored periodically on the Bank's business plans and
achievements through Committee meetings. realizations/achievements through Committee meetings.
Memantau action plan dan pelaksanaannya melalui rapat-rapat Komite. Melakukan pemantauan secara rutin atas pelaksanaan GCG dan
Monitoring the action plan and its implementation through Committee menyampaikannya dalam rapat Komite Pemantau dan Pelaksanaan GCG.
meetings. Selain itu, selama tahun 2019, Komite Pemantau dan Pelaksanaan GCG telah
melaksanakan rapat sebanyak 12 kali dan hasil rapat didokumentasikan
dengan baik.
Conducting regular monitoring on GCG implementation and presenting it in
the GCG Monitoring and Implementation Committee meetings. Furthermore,
throughout 2019, the GCG Monitoring and Implementation Committee held
12 meetings, and the meeting results were well-documented.
Menentukan aspek dan PIC/petugas dalam penyusunan GCG sesuai dengan Komite telah telah menetapkan aspek aspek dan PIC/petugas dalam
bidang yang tercermin dari aspek-aspek GCG. penyusunan GCG.
Determining aspects and person in charge/PIC in drafting GCG in accordance The Committee has determined aspects and PIC/officer in preparing GCG.
with the areas reflected in GCG aspects.
Mengkoordinir pembuatan laporan pelaksanaan GCG yang dilengkapi dan Menyampaikan kepada Bank Indonesia/Otoritas Jasa Keuangan atas
didukung dengan underlying-nya. progres tindak lanjut sampai dengan status “closed” atau “done”.
Coordinating the preparation of GCG implementation reports supplemented Submitting the follow-up progress to Bank Indonesia/Financial Services
and supported by its underlying matters. Authority until the status is “closed” or “done”.
Memantau pelaporan pelaksanaan GCG Bank dan melakukan self assessment Melaksanakan self assessment dan memperoleh hasil penilaian dengan
sesuai ketentuan berlaku. bobot “2 (dua)” atau “Baik”.
Monitoring the reporting of the Bank’s GCG implementation and conducting Conducting self assessment and earning assessment result with a score of
self assessment in accordance with the prevailing provisions. “2 (two)” or “Good”.


Memantau proses penyampaian dan pendokumentasian pelaporan kepada Melakukan rekapitulasi komitmen Bank terhadap Bank Indonesia
pihak-pihak yang disebutkan dalam ketentuan, diantaranya: atau Otoritas Jasa Keuangan, termasuk temuan pemeriksaan serta
a. Pemegang Saham; mengomunikasikan komitmen tersebut secara berkesinambungan.
b. Bank Indonesia; Recapitulating the Bank’s commitment to Bank Indonesia or Financial
c. Yayasan lembaga konsumen Indonesia (YLKI); Services Authority, including audit findings and continuously
d. Lembaga Pemeringkat di Indonesia; communicating such commitment.
e. Asosiasi-asosiasi Bank di Indonesia;
f. Lembaga Pengembangan Perbankan Indonesia (LPPI);
g. Dua lembaga penelitian di bidang ekonomi dan keuangan; dan
h. Dua majalah ekonomi dan keuangan.
Monitoring the process of submission and documentation of reporting to
the parties mentioned in the provisions, including:
a. Shareholders;
b. Bank Indonesia;
c. Foundation of Indonesian Consumers Organization (YLKI);
d. Indonesian Rating Agency;
e. Indonesian Banking Associations;
f. LPPI (Indonesian Banking Development Institute);
g. Two research institutes in economics and financial sector; and
h. Two economic and financial magazines.
Komposisi Komite Pemantau dan Composition of GCG Monitoring and

Pelaksanaan GCG Implementation Committee
Susunan keanggotaan Komite Pemantau dan Pelaksanaan GCG The composition of the GCG Monitoring and Implementation
sebagai berikut: Committee is as follows:
1. Ketua : Direktur Kepatuhan 1. Chairman : Director of Compliance
2. Sekretaris : Kepala Divisi Kepatuhan 2. Secretary : Head of Compliance
• Seluruh Komite di bawah Direksi; dan • All Committees under the Board of Directors; and
• Seluruh Kepala Divisi. • All Division Heads.
Kedudukan Komite Pemantau dan Pelaksanaan Position of GCG Monitoring and Implementation
GCG dalam Struktur Organisasi Committee in the Organizational Structure
Kedudukan Komite Pemantau dan Pelaksanaan GCG dalam The position of GCG Monitoring and Implementation Committee in
struktur organisasi berada di bawah Direksi. the organizational structure is under the Board of Directors.
Pihak yang Mengangkat dan Memberhentikan The Party Appointing and Discharging GCG
Komite Pemantau dan Pelaksanaan GCG Monitoring and Implementation Committee.
Ketua Komite Pemantau dan Pelaksanaan GCG di angkat dan The Chairman of GCG Monitoring and Implementation Committee
diberhentikan oleh Direksi. is appointed and discharged by the Board of DIrectors.
Rapat Komite Pemantau dan Pelaksanaan GCG GCG Monitoring and Implementation Committee
Meetings
Komite Pemantau dan Pelaksanaan GCG melaksanakan rapat secara The GCG Monitoring and Implementation Committee conducts
berkala (bulanan) atau sewaktu-waktu sesuai dengan kebutuhan. meetings on a regular basis (monthly) or at any time as necessary.
Pada tahun 2019, Komite Pemantau dan Pelaksanaan GCG telah In 2019, the GCG Monitoring and Implementation Committee held
mengadakan rapat sebanyak 12 kali dengan rata-rata tingkat 12 meetings with the average attendance level of 81.79%. The
kehadiran sebesar 81,79%. Agenda rapat tersebut membahas tentang meeting agenda was to discuss the Financial Services Authority
pemeriksaan Otoritas Jasa Keuangan, serta denda dan fraud. audit, as well as penalty and fraud.
Komite Personalia HR Committee

Komite Personalia bertugas untuk membantu Direksi dalam The HR Committee is responsible for assisting the Board
merumuskan kebijakan, mengawasi pelaksanaan kebijakan, of Directors in formulating policies, overseeing policy
memantau perkembangan dan kondisi ketenagakerjaan, serta implementation, monitoring employment progress and
memberikan saran-saran dan langkah perbaikan yang sesuai conditions, and advising on remedial measures in line with
dengan peraturan ketenagakerjaan di perbankan dan Undang- the labor regulations in banking and applicable Labor Laws in
Undang Ketenagakerjaan yang berlaku di lndonesia. Indonesia.

Pedoman Komite Personalia Guidelines of HR Committee

Komite Personalia menjalankan tugas dan tanggung jawabnya The Human Resources Committee performs its duties and
mengacu pada Undang-Undang No. 13 Tahun 2003 tentang responsibilities based on Law No. 13 of 2003 on Manpower, and its
Ketenagakerjaan, serta peraturan turunannya. derivative regulations.
Tugas dan Tanggung Jawab Komite Personalia Duties and Responsibilities of HR Committee
Uraian tugas dan tanggung jawab Komite Personalia beserta Below are the duties and responsibilities of HR Committee as well
realisasinya. as the realization.

Memberikan masukan kepada Direksi dalam merumuskan kebijakan Pada tahun 2019, Komite Personalia memberikan masukan terkait kebijakan
ketenagakerjaan. ketenagakerjaan yang tercantum dalam pedoman Kebijakan dan Prosedur
Providing inputs to Board of Directors in formulating employment policies. Human Capital Management yang telah disahkan serta dimutakhirkan
berdasarkan Surat Keputusan Direksi No. 014/SK-DIR/07/19 tanggal 30 Juli
2019.
In 2019, the Human Resources Committee provided input on labor policies
listed in the guidelines for Human Capital Management Policies and
Procedures, which have been validated and updated based on Board of
Directors’ Decision Letter No. 014/SK-DIR/07/19 dated 30 July 2019.
Mengawasi kebijakan yang berhubungan dengan karyawan agar Komite Personalia telah mengawasi kebijakan terkait karyawan, seperti
dilaksanakan secara konsekuen dan konsisten. mengelola, memonitor, dan melaksanakan: perencanaan, pengelolaan
Overseeing employee-related policies to be consistently and consequently dan administrasi bidang rekrutmen, pendidikan dan pengembangan,
implemented; administrasi gaji, kesejahteraan HC, serta pengadministrasian data HC.
The Human Resources Committee has overseen policies related to
employees, such as managing, monitoring, and implementing: planning,
managing, and administering the process of recruitment, education and
development, salary administration, HC welfare, and administration of HC
data.
Melakukan kajian terhadap kebijakan ketenagakerjaan Bank dan Melaksanakan rapat untuk mengkaji kebijakan ketenagakerjaan Bank.
memberikan saran kepada Direksi apabila diperlukan perubahan kebijakan Holding meeting to assess the Bank’s employment policy.
ketenagakerjaan Bank.
Reviewing Bank’s labor policies and advising the Board of Directors if
changes to the Bank’s labor policy are necessary.
Memantau dan mengevaluasi efektifitas setiap karyawan. Melaksanakan evaluasi secara berkala sesuai dengan Key Performance
Monitoring and evaluating the effectiveness of each employee. Indicator (KPI) yang disepakati.
Conducting periodic evaluations according to the agreed Key Performance
Indicator (KPI).
Memberikan masukan dan solusi untuk hambatan dan masalah yang terjadi Pada tahun 2019, Komite Personalia telah memberikan masukan dan solusi
terkait dengan ketenagakerjaan Bank. apabila terdapat masalah terkait dengan ketenagakerjaan Bank.
Providing inputs and solutions for the obstacles and problems that occur In 2019, the Human Resources Committee provided input and solutions in
related to the Bank’s employment. the event that there were problems related to Bank employment.
Komposisi Komite Personalia Composition of Personnel Committee

Komite Personalia diangkat berdasarkan Surat Keputusan The Personnel Committee was appointed based on the Board of
Direktur No. 008/SK-DIR/03/19 tanggal 27 Maret 2019. Directors’ Decision Letter No. 008/SK-DIR/03/19 dated 27 March 2019.
Adapun keanggotaan Komite Personalia, yaitu: Composition of Personnel Committee members is:
1. Ketua : Direktur Utama 1. Head : President Director
c. Direktur Bisnis; dan c. Director of Business; and
d. Kepala Divisi Human Capital Management and General d. Head of Human Capital Management and General Affairs
Affair. Division.
Kedudukan Komite Personalia Position of HR Committee in the Organizational

dalam Struktur Organisasi Structure
Kedudukan Komite Personalia dalam struktur organisasi berada The position of HR Committee in the organizational structure is
di bawah Direksi. under the Board of Directors.

Pihak yang Mengangkat dan Party Appointing and Dismissing the HR

Memberhentikan Komite Personalia Committee
Ketua Komite Personalia di angkat dan diberhentikan oleh Direksi. The Chairman of HR Committee is appointed and discharged by
Rapat Komite Personalia HR Committee Meetings

Komite Personalia melaksanakan rapat minimal 3 (tiga) kali The Human Resources Committee conducts meetings at least
dalam 1 (satu) tahun. Pada tahun 2019, Komite Personalia telah 3 (three) times in 1 (one) year. In 2019, the Human Resources
mengadakan rapat sebanyak 9 (sembilan) kali dengan rata-rata Committee held 9 (nine) meetings with the average attendance
tingkat kehadiran sebesar 64,44%. Uraian terkait agenda rapat level of 64.44%. Description of meeting agenda of the HR
Komite Personalia pada tahun 2019 sebagai berikut. Committee in 2019 is described as follows.
1. Pembahasan mengenai penetapan Key Performance Indicator 1. Discussion on the determination of Key Performance
tahun 2019; Indicator in 2019;
2. Pembahasan mengenai penetapan Upah Minimum Kota/ 2. Discussion on the stipulation of City/Regency Minimum
Kabupaten tahun 2019; Wages in 2019;
3. Pembahasan mengenai penetapan struktur dan skala upah; 3. Discussion on the determination of structure and scale of
wages;
4. Pembahasan mengenai pelaksanaan rapat kerja tahun 2019; 4. Discussion on the implementation of 2019 work meeting;
5. Pembahasan mengenai pelaksanaan training Wealth 5. Discussion on the implementation of Wealth Management
Management (reksadana); (Mutual Funds) training;
6. Pembahasan mengenai Training Service Budaya; 6. Discussion on Cultural Service Training;
7. Pembahasan mengenai Training Anti Pencucian Uang dan 7. Discussion on Anti Money Laundering and Prevention of
Pencegahan Pendanaan Terorisme; Terrorism Funding Training;
8. Pembahasan mengenai pelaksanaan Training Beauty Class; 8. Discussion on the implementation of Beauty Class Training;
9. Pembahasan mengenai pelaksanaan Training VIBIZ; 9. Discussion on the implementation of VIBIZ Training;
10. Pembahasan mengenai pelaksanaan Training Anti Fraud 10. Discussion on the implementation of Anti-Fraud Training in
Kantor Cabang Bali; Bali Branch Office;
11. Pembahasan pelaksanaan Training Karyawan Baru Kantor 11. Discussion on the implementation of New Employee Training
Cabang Solo; in Solo Branch Office;
12. Pembahasan mengenai hasil temuan pemeriksaan SKAI; 12. Discussion on the findings of SKAI audit;
13. Pembahasan mengenai hasil temuan pemeriksaan On The 13. Discussion on the findings of On The Spot Internal Control
Spot Internal Control; audit;
14. Pembahasan mutasi karyawan; 14. Discussion on the rotation of employees;
15. Pembahasan jadwal rundown buka puasa bersama; 15. Discussion on the rundown of break-fasting gathering
schedule;
16. Pembahasan karyawan pensiun; 16. Discussion on retiring employees;
17. Pembahasan pemotongan cuti bersama terkait Hari Raya 17. Discussion on joint leave related to Lebaran holiday;
Lebaran;
18. Pembahasan pemenuhan Kepala Kantor Cabang yang kosong; 18. Discussion on the fulfillment of vacant Branch Office Head;
19. Rekening fiktif Kantor Kas Sahid Sudirman; 19. Fictitious Account at Sahid Sudirman Cash Office;
20. Kontrak karyawan di Kantor Cabang Kelapa Gading; 20. Employee contract at Kelapa Gading Branch Office;
21. Sanksi surat keterangan palsu; 21. Sanction for false statement;
22. Pembahasan pengganti Senior Executive Vice President of 22. Discussion on the replacement of Senior Executive Vice
Branch Banking Network; President of Branch Banking Network;
23. Pembahasan fraud Kantor Cabang; 23. Discussion on fraud in Branch Office;
24. Pembahasan mutasi dan rangkap jabatan pemimpin kantor 24. Discussion of rotation and concurrent position of head of
cabang pembantu. sub-branch office.
Komite Pengadaan Procurement Committee

Komite Pengadaan merupakan Komite yang membantu Direksi The Procurement Committee is a Committee that assists the
dalam memberikan masukan untuk hal-hal yang penting dan Board of Directors in providing inputs for important and relevant
relevan dalam perumusan Kebijakan Pengadaan Barang dan Jasa, matters in the formulation of Policies of Procurement of Goods
serta memberikan persetujuan untuk setiap pengadaan barang and Services, as well as to provide approval for every procurement
dan jasa. of goods and services.

Pedoman Komite Pengadaan Guidelines of Procurement Committee

Komite Pengadaan berpedoman pada Surat Keputusan Direksi Procurement Committee refers to the Board of Directors’ Decision
No. 008/SK-DIR/05/19 tanggal 24 Mei 2019 tentang Procurement Letter No. 008/SK-DIR/05/19 dated 24 May 2019 on Procurement
Committee PT Bank Victoria International Tbk dalam menjalankan Committee of PT Bank Victoria International Tbk in implementing
tugas dan tanggung jawabnya. its duties and responsibilities.
Tugas dan Tanggung Jawab Komite Pengadaan Duties and Responsibilities of Procurement
Committee
Berikut uraian tugas dan tanggung jawab Komite Pengadaan Duties and responsibilities of Procurement Committee and the
beserta realisasinya. realization are as follows.

Meminta informasi hal-hal yang diperlukan terkait pengadaan barang Pada tahun 2019, Komite Pengadaan meminta informasi kepada Divisi/Cabang/
dan jasa dari berbagai pihak, baik internal maupun eksternal. Vendor atas rencana pengadaan barang dan jasa.
Asking for information on necessary matters related to the In 2019, the Procurement Committee requested information from Division/Branch/
procurement of goods and services from various parties, both Vendor for the procurement plan for goods and services.
internal and external.
Memberikan persetujuan terhadap pengajuan pengadaan barang dan Pada tahun 2019, Komite Pengadaan menyetujui pengajuan pengadaan tentang:
jasa. 1. Renovasi Gedung Kantor Cabang Medan;
Providing approval on the procurement of goods and services. 2. Pengadaan mobil operasional Kantor Cabang Medan;
3. Sewa Ruang dan Renovasi Perluasan Kantor Pusat BIP Lt. 9;
4. Front End Application Fore Core Banking;
5. Pengembangan Aplikasi Sehubungan Front End;
6. Fortinet Fortimail 400F;
7. Kalender Meja Tahun 2020;
8. Renewal Maintenance and License HSM Thales Pay 9000;
9. Pengembangan dan Implementasi Aplikasi SUN Ritel;
10. Renewal Maintenance and License Electronic EDC;
11. Pengembangan dan implementasi aplikasi BI Antasena dan OJK Apolo;
12. Laporan Tahunan 2019;
13. Renewal License and Support Perangkat Web Secure Gateway Blue Coat;
14. Renewal Maintenance Support Splunk Enterprise;
15. Pentest Bankwide Infrastructure and Digital Banking Tahun 2019;
16. Renewal Support Server Simplivity;
17. PSAK 71; dan
18. Renewal ITM (Integrated Transaction Management).
In 2019, the Procurement Committee approved the proposed procurement of:
1. Renovation of Medan Branch Office Building;
2. Procurement of operational vehicle of Medan Branch Office;
3. Office Space Rental and Renovation for Expansion of BIP Head Office, 9th floor;
4. Front End Application Fore Core Banking;
5. Application development related to Front End;
6. Fortinet Fortimail 400F;
7. Desk Calendar Year 2020;
8. Renewal of Maintenance and License of HSM Thales Pay 9000;
9. Development and Implementation of Retail SUN Application;
10. Renewal of Maintenance and License of Electronic EDC;
11. Development and implementation of BI Antasena and OJK Apolo application;
12. 2019 Annual Report;
13. Renewal of License and Support of Web Secure Gateway Blue Coat Device;
14. Renewal of Maintenance of Splunk Enterprise Support;
15. Pentest for Bankwide Infrastructure and Digital Banking of 2019;
16. Renewal of Support Server Simplivity;
17. PSAK 71; and
18. Renewal of ITM (Integrated Transaction Management).
Mengajukan persetujuan kepada Dewan Komisaris terhadap Pada tahun 2019, tidak terdapat pengadaan barang dan jasa dengan nilai/harga
pengadaan barang/dan jasa dengan nilai/harga minimum sesuai minimum sesuai yang diatur di Anggaran Dasar.
yang diatur di Anggaran Dasar Perseroan. In 2019, there were no procurement of goods and services with minimum value/
Applying for approval to the Board of Commissioners on procurement price as regulated in the Articles of Association.
of goods and services with minimum value/price as regulated in the
Memberikan masukan kepada Direksi terkait hal-hal penting dan Pada tahun 2019, Komite Pengadaan telah memberikan masukan kepada Direksi
relevan dalam perumusan kebijakan pengadaan barang dan jasa terkait hal-hal penting dan relevan dalam perumusan kebijakan pengadaan barang
sehingga proses pengadaan barang dan jasa dilakukan secara dan jasa, sehingga proses pengadaan barang dan jasa dilakukan secara transparan,
transparan, obyektif, efektif dan efisien. obyektif, efektif dan efisien.
Providing inputs to the Board of Directors regarding important and In 2019, the Procurement Committee provided inputs to the Board of Directors
relevant matters in the formulation of procurement policies of goods related to important and relevant matters in terms of formulating policies for
and services so that the procurement process of goods and services procurement of goods and services, so that the process of procurement of goods
is done in a transparent, objective, effective, and efficient manner. and services was conducted transparently, objectively, effectively, and efficiently.

Komposisi Komite Pengadaan Composition of Procurement Committee

Susunan komposisi Komite Pengadaan sebagai berikut: The composition of the Procurement Committee is as follows:
a. Wakil Direktur Utama; a. Deputy President Director
b. Direktur Bisnis; b. Director of Business;
c. Senior EVP of Finance and Accounting; c. Senior EVP of Finance and Accounting;
d. Senior EVP of Funding and Branch Banking Network; dan d. Senior EVP of Funding and Branch Banking Network; and
e. Senior EVP of Operation and IT. e. Senior EVP of Operation and IT.
Kedudukan Komite Pengadaan dalam Struktur Position of Procurement Committee in the

Organisasi Organizational Structure
Kedudukan Komite Pengadaan dalam struktur organisasi berada The position of Procurement Committee in the organizational
di bawah Direksi. structure is under the Board of Directors.
Pihak yang Mengangkat dan Party Appointing and Dismissing the Procurement
Memberhentikan Komite Pengadaan Committee
Ketua Komite Pengadaan di angkat dan diberhentikan oleh Ketua The Chairman of Procurement Committee is appointed and
Komite Pengadaan. discharged by Head of Procurement Committee.
Rapat Komite Pengadaan Procurement Committee Meetings

Komite Pengadaan melaksanakan rapat minimal 1 (satu) kali The Procurement Committee conducts meeting at least 1 (once)
dalam 2 (dua) bulan. Pada tahun 2019, Komite Pengadaan telah in 2 (two) months. In 2019, the Procurement Committee held 10
mengadakan rapat sebanyak 10 kali dengan rata-rata tingkat meetings with the average attendance level of 71.66%.
kehadiran sebesar 71,66%.
Agenda rapat Komite Pengadaan selama tahun 2019 disajikan The meeting agenda of Procurement Committee in 2019 is
1. Renovasi Kantor cabang Medan; 1. Renovation of Medan Branch Office;
2. Penjualan Aset Bank; 2. Sale of Bank Assets;
3. Pengadaan mobil operasional Kantor Cabang Medan; 3. Procurement of operational vehicle of Medan Branch Office;
4. Sewa ruang kantor dan renovasi perluasan Kantor Pusat 4. Office space rental and renovation for expansion of BIP Head
Graha BIP Lt. 9; Office, 9th floor;
5. Front End Application for Core Banking-Unlimited Users; 5. Front End Application Fore Core Banking - Unlimited Users;
6. Fortinet Fortimail 400F; 6. Fortinet Fortimail 400F;
7. Kalender meja tahun 2020; 7. Desk calendar year 2020;
8. Renewal Maintenance and License HSM Thales Pay 8. Renewal of Maintenance and License of HSM Thales Pay 9000
9000-Platinum Support; - Platinum Support;
9. Pengembangan dan implementasi Aplikasi SUN RItel; 9. Development and Implementation of Retail SUN Application;
10. Renewal Maintenance and License EDC; 10. Renewal of Maintenance and License of EDC;
11. Pengembangan aplikasi sehubungan front end; 11. Application development related to front end;
12. PSAK 71; 12. PSAK 71;
13. Pentest untuk Bankwide Infrastructure and Digital Banking 13. Pentest for Bankwide Infrastructure and Digital Banking of
tahun 2019; 2019;
14. Penggantian Neon Box di Graha BIP; 14. Replacement of Neon Box at Graha BIP;
15. Jasa Outsourching System Analis and Programmer untuk 15. Analyst and Programmer Outsourching System Services for
pengembangan aplikasi BI Antasena dan OJK Apolo; BI Antasena and OJK Apollo application development;
16. Annual Report tahun 2019; 16. 2019 Annual Report;
17. Renewal License and Support Perangkat Websecure Gateway 17. Renewal of License and Support of Web Secure Gateway
Blue Coat Advance Secure Gateway S200-30; Device of Blue Coat Advance Secure Gateway S200-30;
18. Renewal Maintenance Support Splunk Enterprise; 18. Renewal of Maintenance of Splunk Enterprise Support;
19. Renewal ITM (Integrated Transaction Management); dan 19. Renewal of ITM (Integrated Transaction Management); and
20. Renewal Support Server Simplivity. 20. Renewal of Support Server Simplivity.
Komite Produk Product Committee

Komite Produk merupakan komite yang membantu Direksi The Product Committee is a Committee that assists the Board of
dalam memberikan arahan kebijakan yang berkaitan dengan Directors in providing policy-related directives in connection with
pengelolaan produk liabilities dan wealth management yang akan the management of liabilities and wealth management products
dan/atau telah diterbitkan agar produk tersebut mampu bersaing that will and/or have been launched so that such products can

dengan bank lain dan menghasilkan keuntungan bagi Bank. Dalam compete with that of other banks and generate profits for the
melaksanakan tugas tersebut, Komite wajib memperhatikan Bank. In performing these duties, the Committee must take into
kepentingan nasabah dan Bank, sekaligus menerapkan prinsip- account the interests of the Bank and its customers and must
prinsip kehati-hatian dan manajemen risiko. apply prudential principles and risk management.
Pedoman Komite Produk Guidelines of Product Committee

Komite Produk menjalankan tugas dan tanggung jawabnya The Product Committee performs its duties and responsibilities
berdasarkan Surat Keputusan Direksi No. 003/SK-DIR/10/2017 based on the Board of Directors’ Decision Letter No. 003/SK-
tanggal 9 Oktober 2017 tentang Product Committee DIR/10/2017 dated 9 October 2017 on Product Committee of
PT Bank Victoria International Tbk. PT Bank Victoria International Tbk.
Tugas dan Tanggung Jawab Komite Produk Duties and Responsibilities of Product Committee
Berikut uraian tugas dan tanggung jawab Komite Produk beserta Duties and responsibilities of Product Committee and the
realisasinya. realization are.

Memberikan masukan, pertimbangan, dan rekomendasi atas pengelolaan Komite Produk telah memberikan masukan, pertimbangan, dan
produk asset and liabilities kepada Direksi mulai dari rencana penerbitan, rekomendasi atas pengelolaan produk asset and liabilities kepada Direksi
pengembangan dan/atau modifikasi produk, sampai dengan melakukan mulai dari rencana penerbitan, pengembangan dan/atau modifikasi produk,
analisis/kajian terhadap existing product. sampai dengan melakukan analisis/kajian terhadap existing product.
Providing inputs, considerations, and recommendations on the management The Product Committee has provided input, consideration, and
of asset and liabilities products to the Board of Directors starting from the recommendation on the management of asset and liabilities products to
plan of launching, developing, and/or modifying the products, to analyzing/ the Board of Directors starting from the plan of launching, developing, and/
reviewing the existing products. or modifying the products, to analyzing/reviewing the existing product.
Mengawasi kebijakan produk agar dapat diterapkan dan dilaksanakan Komite Produk telah mengawasi kebijakan produk agar dapat diterapkan dan
secara konsekuen, konsisten, dan bertanggung jawab, serta mencari solusi dilaksanakan secara konsekuen, konsisten, dan bertanggung jawab, serta
apabila terjadi hambatan atau kendala dalam penerapannya. mencari solusi apabila terjadi hambatan atau kendala dalam penerapannya.
Monitoring the product policy to be implemented and conducted The Product Committee has monitored the product policy to be implemented
consistently, consequently, and responsibly, and seeking solutions if there and conducted consequently, consistently, and responsibly, and searched
are any obstacles or constraints in its application. for solutions in the event that there are any obstacles or constraints in its
application.
Memantau dan mengevaluasi risiko potensial yang akan terjadi terhadap: Mengevaluasi kinerja produk Bank, khususnya CASA, Bancassurance,
1. Perkembangan penjualan produk dan portofolio produk; internet banking, dan mobile banking.
2. Poin-poin pengawasan Kebijakan Produk; Evaluating performance of the bank’s products, especially CASA,
3. Strategi Kebijakan Produk; dan Bancassurance, internet banking, and mobile banking.
4. Portofolio produk untuk kemudian dipergunakan sebagai masukan dan
saran kepada Direksi untuk menentukan langkah-langkah perbaikan yang
diperlukan.
Monitoring and evaluating potential risks that will occur to:
1. The development of product sales and portfolio;
2. Monitoring points of Product Policy;
3. Product Policy Strategies; and
4. Product portfolio is then used as input and advice to the Board of
Directors to determine the necessary improvements.
Tugas dan tanggung jawab Komite tidak termasuk hal-hal yang berkaitan Telah direalisasikan dengan menjalankan tugas dan tanggung jawab sesuai
dengan pengembangan program dan promosi produk. kebijakan Bank.
Duties and responsibilities of the Committee do not include matters related Realized by performing duties and responsibilities according to the Bank’s
program development and product promotion. policy.
Komposisi Komite Produk Composition of Product Committee

Berikut struktur dan keanggotaan Komite Produk: The following is the structure and membership of the Product
Committee:
2. Anggota :Wakil Direktur Utama 2. Member : Deputy President Director
Kedudukan Komite Produk dalam Struktur Position of Product Committee in the

Kedudukan Komite Produk dalam struktur organisasi berada di The position of Product Committee in the organizational structure
bawah Direksi. is under the Board of Directors.
Pihak yang Mengangkat dan Memberhentikan Party Appointing and Dismissing the Product
Komite Produk Committee
Ketua Komite Produk di angkat dan diberhentikan oleh Direksi. The Chairman of Product Committee is appointed and discharged by
Rapat Komite Produk Product Committee Meetings

Komite Produk melaksanakan rapat minimal 1 (satu) kali dalam The Product Committee conducts meetings at least 1 (one) time
satu tahun. Pada tahun 2019, Komite Produk telah mengadakan in one year. In 2019, the Product Committee held 1 (one) meeting
rapat sebanyak 1 (satu) kali dengan rata-rata kehadiran rapat with the average attendance level of 100.00%. The meeting
100,00%. Dalam rapat tersebut membahas pemilihan Vendor SUN discussed the selection of Retail SUN Vendors and discussed the
Ritel dan pembahasan SMS Gateway. SMS Gateway.
Komite Investasi Investment Committee

Komite Investasi merupakan komite di bawah Direksi yang The Investment Committee is a committee under the Board
berperan dalam memberikan arahan kebijakan yang berkaitan of Directors with a role to provide policy direction related to
dengan investasi. investment.
Pedoman Komite Investasi Guidelines of Investment Committee

Komite Investasi menjalankan tugas dan tanggung jawabnya The Investment Committee performs its duties and responsibilities
berdasarkan Surat Keputusan Direksi No. 002/SK-DIR/06/17 based on the Board of Directors’ Decision Letter No. 002/
tanggal 6 Juni 2017 tentang Investment Committee PT Bank SK-DIR/06/17 dated 6 June 2017 on Investment Committee of
Victoria International Tbk, dan Surat Edaran Direksi No.008/SE- PT Bank Victoria International Tbk, and Board of Directors’ Circular
DIR/11/19 tentang Kepemilikan Berharga Komersial (SBK). No. 008/SE-DIR/11/19 on Ownership of Commercial Securities (SBK).
Tugas dan Tanggung Jawab Komite Investasi Duties and Responsibilities of Investment
Committee
Uraian tugas dan tanggung jawab Komite Investasi beserta The duties and responsibilities of the Investment Committee and
realisasinya disajikan sebagai berikut. the realization are described as follows.

Memutuskan rencana investasi Divisi Treasury dalam mencapai optimalisasi imbal hasil pengelolaan portofolio treasury, khususnya mengenai:
Deciding on the investment plan of the Treasury Division in achieving optimum return on treasury portfolio management, particularly on:
1. Kebijakan dan keputusan investasi Divisi Treasury. Mengevaluasi kebijakan investasi dan pengelolaan portofolio.
Investment policies and decisions of the Treasury Division. Evaluating investment policy and portfolio management.
2. Strategi pengelolaan portofolio treasury. Mengevaluasi dan menetapkan komposisi keanggotaan Komite Investasi.
Strategy of treasury portfolio management. Evaluating and determining the composition of the Investment Committee.
Komposisi Komite Investasi Composition of Investment Committee

Susunan keanggotaan Komite Investasi sebagai berikut: The composition of the Investment Committee is as follows:
1. Ketua : Wakil Direktur Utama 1. Chairman : Deputy President Director
2. Sekretaris : Kepala Divisi Financial Institutions 2. Secretary : Head of Financial Institution and Capital
and Capital Market Market Division
a. Komisaris Utama; a. President Commissioner;
b. Direktur Utama; b. President Director;
c. Direktur Kepatuhan dan Manajemen Risiko; c. Director of Compliance and Risk Management;
d. Kepala Divisi Credit Analyst; dan d. Head of Credit Analyst Division; and
e. Kepala Divisi Treasury. e. Head of Treasury Division.
Kedudukan Komite Investasi dalam Struktur Position of Investment Committee in the

Kedudukan Komite Investasi dalam struktur organisasi berada di The position of Investment Committee in the organizational
bawah Direksi. structure is under the Board of Directors.
Pihak yang Mengangkat dan Memberhentikan Party Appointing and Dismissing the Investment
Komite Investasi Committee
Ketua Komite Investasi di angkat dan diberhentikan oleh Direksi. The Chairman of Investment Committee is appointed and
discharged by the Board of Directors.
Rapat Komite Investasi Investment Committee Meetings

Sepanjang tahun 2019, Komite Investasi tidak mengadakan rapat, Throughout 2019, the Investment Committee did not hold any
sehingga tidak terdapat informasi mengenai nama anggota yang meeting, therefore, there is no information on the names of members
hadir dalam rapat, total rapat, dan total kehadiran. present at the meeting, total meeting, and total attendance.

Corporate Secretary Corporate Secretary

Corporate Secretary merupakan organ Direksi yang berperan Corporate Secretary is Board of Director’s organ having
penting dalam membangun komunikasi yang baik antara Bank important role to build good communication between the Bank
dengan Pemegang Saham, regulator, dan pemangku kepentingan and Shareholders, regulators and stakeholders. Corporate
lainnya. Corporate Secretary juga bertanggung jawab untuk Secretary is also responsible for organizing, coordinating, and
mengorganisasikan, mengoordinasikan dan mendokumentasikan documenting various activities carried out by the Bank, especially
berbagai kegiatan yang dilakukan oleh Bank, terutama dalam proses in the process of adopting resolutions in meetings held by Board
pengambilan keputusan pada saat rapat yang diselenggarakan of Commissioners, Board of Directors, AGMS, and other activities.
Dewan Komisaris, Direksi, RUPS, serta kegiatan lainnya.
Pedoman Corporate Secretary Corporate Secretary Guidelines

Peraturan utama yang menjadi acuan dalam pembentukan Corporate The main regulations that become the reference in establishing
Secretary dan menjadi dasar pelaksanaan tugasnya adalah: Corporate Secretary and become the basis of the implementation
of its duties are:
tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik; on Corporate Secretary of Issuers or Public Companies;
2. Kebijakan dan Prosedur Corporate Affair berdasarkan Surat 2. Corporate Affair Policy and Procedure based on the Board of
Keputusan Direksi No. 021/SK-DIR/07/14 tanggal 21 Juli 2014 Directors’ Decree No. 021/SK-DIR/07/14 dated 21 July 2014
yang telah terbarukan menjadi Standar Operasional Prosedur which has been updated to Standard Operating Procedure of
Corporate Secretary Surat Keputusan Direksi No. 003/SK- Corporate Secretary based on the Board of Directors’ Decision
DIR/12/17 tanggal 13 Desember 2017; dan Letter No. 003/SK-DIR/12/17 dated 13 December 2017; and
3. Standar Operasional Prosedur Rapat Umum Pemegang 3. Standard Operating Procedure of General Meeting of
Saham berdasarkan Surat Keputusan Direksi No.004/SKDIR/ Shareholders in accordance with the Board of Directors’
04/17 tanggal 21 April 2017. Decision Letter No. 004/SK-DIR/04/17 dated 21 April 2017.
Struktur Corporate Secretary Corporate Secretary Structure

Corporate Secretary berada langsung di bawah Direktur Corporate Secretary is directly under the President
Utama sehingga setiap bentuk pelaksanaan tugasnya Director, therefore, every form of execution of its
dipertanggungjawabkan secara langsung kepada Direktur Utama. duties is accounted directly to the President Director.
Berikut struktur Corporate Secretary Bank Victoria. The following is the structure of Bank Victoria’s Corporate Secretary.

Director of Compliance and Risk Management
Tamunan
Corporate Secretary
Lidwina Dian Pratiwi
Marketing Communication Unit Corporate Secretary Unit

Putri Tiara Virginta Caprie Ardira Azhar
Staff Staff Staff Staff

Staff Secretary Staff Secretary
Tugas dan Tanggung Jawab Corporate Secretary Duties and Responsibilities of Corporate Secretary
Tugas dan tanggung jawab Corporate Secretary meliputi The duties and responsibilities of the Corporate Secretary include
komunikasi internal dan eksternal serta hubungan kesekretariatan internal and external communications and corporate secretarial
pimpinan perusahaan yang diuraikan sebagai berikut. relationships outlined as follows.


Mengikuti perkembangan pasar modal, khususnya peraturan-peraturan Corporate Secretary telah mengikuti perkembangan pasar modal, khususnya
yang berlaku di bidang pasar modal. peraturan-peraturan yang berlaku di bidang pasar modal.
To follow the capital market development, especially regulations applicable Corporate Secretary has followed the capital market development,
in capital market sector. especially regulations applicable in capital market sector.
Memberikan pelayanan kepada masyarakat atas setiap Informasi yang Membuat dan menyampaikan laporan, meliputi:
dibutuhkan pemodal berkaitan dengan kondisi Bank. 1. Laporan Internal
To provide services to the public for any information required by the a. Bulanan, berupa Memo Internal Perubahan Kepemilikan Saham;
investors in relation to the Bank’s condition. b. Tahunan, berupa Laporan Tahunan Divisi Corporate Secretary.
2. Laporan Eksternal
a. Laporan Registrasi Pemegang Saham sebanyak 12 kali ke website
Bursa Efek Indonesia;
b. Laporan Realisasi Penggunaan Dana sebanyak 2 (dua) kali;
c. Laporan Pihak Terkait sebanyak 2 (dua) kali (semesteran);
d. Laporan Keterbukaan Informasi pada website Bursa Efek Indonesia
sebanyak 24 kali;
e. Laporan Keuangan Tahunan kepada Departemen Perindustrian dan
Perdagangan;
f. Laporan Penjelasan atas volatilitas saham sebanyak 1 (satu) kali;
g. Laporan Transaksi Afiliasi sebanyak 7 (tujuh) kali;
h. Mengadakan RUPS Tahunan pada 10 Mei 2019, RUPS Luar Biasa pada 1
Maret 2019, dan Public Expose pada 10 Mei 2019 dan 15 November 2019; dan
i. Laporan hasil RUPS sebanyak 2 (dua) kali.
Preparing and submitting reports, which include:

1. Internal Report
a. Monthly, in the form of Internal Memo of Changes of Share Ownership;
b. Annually, in the form of Annual Report of Corporate Secretary Division.
2. External Reports
a. Shareholder Registration Report for 12 times to Indonesia Stock
Exchange website;
b. Report of the Actual Use of Proceeds for 2 (two) times;
c. Report of Related Parties for 2 (two) times (per semester);
d. Information Disclosure Report on Indonesia Stock Exchange website
for 24 times;
e. Annual Financial Statements to the Ministry of Industry and Trade;
f. Explanation Report on Share Volatility for 1 (one) time;
g. Affiliated Transactions Report for 7 (seven) times;
h. Convening Annual GMS on 10 May 2019, Extraordinary GMS on 1 March
2019, and Public Expose on 10 May 2019 and 15 November 2019; and
i. Report of GMS result for 2 (two) times.
Memberikan masukan kepada Direksi Bank untuk mematuhi ketentuan Memberikan masukan kepada Direksi melalui rapat yang diselenggarakan,
Undang-Undang No. 8 Tahun 1995 tentang Pasar Modal dan peraturan yaitu:
pelaksanaannya. 1. Rapat Direksi sebanyak 47 kali; dan
To provide input to the Bank’s Board of Directors to comply with the 2. Rapat Rapat Gabungan Direksi dan Dewan Komisaris sebanyak 13 kali.
provisions of Law no. 8 of 1995 on Capital Market and its implementing Providing input to the Board of Directors through the following meetings:
regulations. 1. Board of Directors’ Meetings for 47 times; and
2. Joint Meetings of Board of Directors and Board of Commissioners
for 13 times.
Sebagai penghubung atau contact person antara Bank dengan Otoritas Jasa Membuat dan menyampaikan surat-surat eksternal.
Keuangan serta masyarakat. Preparing and delivering external letters.
To be the liaison or contact person between the Bank and Financial Services
Authority and public.
Audit Internal/Integrated and Anti Fraud Audit Internal/Integrated and Anti Fraud
Audit Internal/Integrated and Anti Fraud adalah organ di bawah Direksi Internal Audit/Integrated and Anti Fraud is an organ under the Board
yang berperan dalam membantu tugas Direksi dan Dewan Komisaris of Directors having a role in assisting the duties of Board of Directors
dalam melakukan pengawasan dengan cara menjabarkan secara and Board of Commissioners in carrying out the monitoring duty by
operasional baik perencanaan, pelaksanaan, maupun pemantauan operationally outlining the plan, implementation, and the monitoring
hasil audit melalui pemberian jasa assurance dan consulting. Organ of audit results through provision of assurance and consulting
ini juga ditujukan untuk membantu Bank mencapai tujuannya melalui services. This organ is also established to help the Bank to achieve
suatu pendekatan yang sistematis dan teratur untuk mengevaluasi its objectives through a systematic and regular approach to evaluate
dan meningkatkan efektivitas pengelolaan risiko dan pengendalian and improve the effectiveness of risk management and internal
internal dalam proses governance. control in the governance process.

Kedudukan Audit Internal/Integrated Position of Internal Audit/Integrated and Anti

and Anti Fraud Fraud
Audit Internal/Integrated and Anti Fraud merupakan organ kerja Internal Audit/Integrated and Anti Fraud is an independent organ
independen yang berada dan bertanggung jawab secara langsung that is under and directly responsible to the President Director.
kepada Direktur Utama. Divisi ini memiliki jalur komunikasi langsung This division has direct communication channel with the Audit
dengan Komite Audit dan Dewan Komisaris dan memiliki akses yang Committee and the Board of Commissioners and has unlimited
tidak terbatas terhadap seluruh aktivitas di Bank dan merupakan access to all activities in the Bank and is a management partner in
mitra manajemen dalam mewujudkan implementasi GCG. actualizing the GCG implementation.
Pihak yang Mengangkat dan Memberhentikan The Party Appointing and Discharging the Head of
Kepala Audit Internal/Integrated And Anti Fraud Internal Audit/Integrated and Anti Fraud
Kepala Audit Internal/Integrated and Anti Fraud di angkat dan The Head of Internal Audit/Integrated and Anti-Fraud Division
diberhentikan oleh Direktur Utama dengan persetujuan Dewan is appointed and dismissed by the President Director with the
Komisaris dan dilaporkan kepada Otoritas Jasa Keuangan. approval of the Board of Commissioners and reported to the
Struktur Organisasi Audit Internal/Integrated and Organizational Structure of Internal Audit/

Anti Fraud Integrated and Anti Fraud
Berdasarkan Surat Keputusan Direksi No. 003/SK-DIR/11/19 Based on the Board of Directors’ Decision Letter No. 003/SK-
tanggal 06 November 2019 tentang Struktur Organisasi DIR/11/19 dated 06 November 2019 on the Organizational Structure
PT Bank Victoria International Tbk, maka Struktur Organisasi of PT Bank Victoria International Tbk, the Organizational Structureof
Audit Internal/Integrated and Anti Fraud sebagai berikut. Internal Audit/Integrated and Anti-Fraud Division is as follows.
Dewan Komisaris

Commissioner/Independent Commissioner
Komite Audit
Audit Committee
Direktur Utama
President Director
Ahmad Fajar
Rusli
SKAI

Direktur Bisnis Direktur Keuangan Manajemen Risiko
Director of Business Director of Finance Director of Compliance
Lembing Debora Wahjutirto Tanoyo and Risk Management
Tamunan
1. Kepala SKAI bertanggung Jawab secara langsung kepada 1. The Head of Internal Audit Work Unit (SKAI) is responsible
Direktur Utama dan secara fungsional kepada Dewan directly to the President Director and functionally to the Board of
Komisaris melalui Komite Audit. Hal ini untuk mendukung Commissioners through the Audit Committee. This is to support
independensi dan menjamin kelancaran tugas dan tanggung the independence and to ensure the duties and responsibilities
jawab Audit Internal dalam menjalankan tugasnya; of Internal Audit are conducted smoothly;
2. SKAI harus mendapat dukungan dari Manajemen dan Dewan 2. SKAI must have support from the Management and Board of
Komisaris agar para Auditor dapat memperoleh kerja sama Commissioners so that the Auditors can obtain full cooperation
sepenuhnya dari Auditee dalam melaksanakan pekerjaanya from the Auditee in performing their work without obstacles;
tanpa hambatan;
3. Kepala SKAI diangkat dan diberhentikan oleh Direktur Utama 3. The Head of SKAI is appointed and dismissed by the
setelah mendapat persetujuan dari Dewan Komisaris dengan President Director after obtaining approval from the Board of
mempertimbangkan rekomendasi Komite Audit; Commissioners by considering recommendations from the
Audit Committee;

4. Komunikasi SKAI dengan Komite Audit adalah dalam bentuk 4. SKAI communicates with Audit Committee in the form of
koordinasi dalam hal terkait dengan pengembangan fungsi coordination in matters related to developing SKAI functions
dan kinerja SKAI; dan and performance; and
5. SKAI menyampaikan laporan kepada Direktur Utama dan Dewan 5. SKAI submits reports to the President Director and Board of
Komisaris. Laporan yang disampaikan kepada Direktur Utama Commissioners. Reports submitted to the President Director
salinannya agar disampaikan kepada Dewan Komisaris melalui must be copied to the Board of Commissioners through the Audit
Komite Audit dan Direktur Kepatuhan dan Manajemen Risiko. Committee and Director of Compliance and Risk Management.
Pedoman Audit Internal/Integrated and Anti Fraud Guidelines of Internal Audit/Integrated and Anti
Fraud
Dalam menjalankan tugas dan tanggung jawabnya Audit In implementing its duties and responsibilities, the Internal Audit/
Internal/Integrated and Anti Fraud memiliki beberapa pedoman. Integrated and Anti Fraud has several guidelines. All guidelines
Seluruh pedoman tersebut dimutakhirkan sesuai kondisi are constantly updated according to the organization’s conditions
dan perkembangan organisasi, serta perubahan peraturan and development, and in accordance with the amendments to the
perundang-undangan yang berlaku. Berikut pedoman Audit prevailing laws and regulations. Below is the guideline of Internal
Internal/Integrated and Anti Fraud Bank. Audit/Integrated and Anti Fraud of the Bank.
1. Piagam Audit Internal (Internal Audit Charter) 1. Internal Audit Charter
Audit Internal/Integrated and Anti Fraud memiliki Piagam Audit Internal Audit/Integrated and Anti Fraud has an Internal Audit
Internal sebagai pedoman utama pelaksanaan fungsinya. Charter as the main guideline for the implementation of its
Piagam tersebut telah dimutakhirkan dan disahkan melalui functions. The Charter has been updated and established by
Surat Keputusan Direksi No. 007/SK-DIR/05/19 tanggal 24 Mei the Board of Directors’ Decision Letter No. 007/SK-DIR/05/19
2019 tentang Piagam Audit Internal (Internal Audit Charter). dated 24 May 2019 on Internal Audit Charter. The Internal
Piagam Audit Internal berperan dalam penguatan peran dan Audit Charter plays a role in strengthening the roles and
tanggung jawab serta dasar keberadaan dan pelaksanaan responsibilities and serves as a basis for the existence and
tugas-tugas pengawasan bagi Audit Internal/Integrated and implementation of monitoring tasks for the Internal Audit/
Anti Fraud. Uraian lengkap terkait isi Piagam Audit internal Integrated and Anti Fraud. Complete description of the
dapat diakses pada web Bank bagian Piagam Audit (https:// Internal Audit Charter can be accessed in the Bank’s website
www.victoriabank.co.id/uploads/2019-05-24_Piagam%20 in Audit Charter section (https://www.victoriabank.co.id/
Audit-compressed.pdf). uploads/2019-05-24_Piagam%20Audit-compressed.pdf).
2. Sistem Prosedur dan Teknik Pemeriksaan Internal 2. Systems, Procedures, and Techniques of Internal Audit
Sistem Prosedur dan Teknik Pemeriksaan Internal merupakan The Systems, Procedures, and Techniques of Internal Audit is the
pedoman kerja teknis Audit Internal/Integrated and Anti Fraud. technical work guideline for the Internal Audit/Integrated and Anti
Pedoman tersebut telah dimutakhirkan berdasarkan Surat Fraud. The guidelines are updated based on the Board of Directors’
Keputusan Direksi No. 007/SK-DIR/12/17 tanggal 21 Desember Decision Letter No. 007/SK-DIR/12/17 dated 21 December 2017 on
2017 tentang Sistem Prosedur dan Teknik Pemeriksaan Internal. System, Procedure, and Technique of Internal Audit.
3. Kebijakan SKAI/Terintegrasi 3. Internal Audit Unit (SKAI)/Integrated

Dalam rangka implementasi SKAI/Terintegrasi sebagaimana For the purpose of the implementation of Internal Audit Unit
diamanatkan pada Peraturan Otoritas Jasa Keuangan No. 18/ (SKAI)/ Integrated as mandated in the Financial Services
POJK.03/2014 tanggal 18 November 2014 dan Surat Edaran Authority Regulation No. 18/POJK.03/2014 dated 18 November
No. 15/SEOJK.03/2015 tanggal 25 Mei 2015 tentang Penerapan 2014 and Circular Letter No. 15/SEOJK.03/2015 dated 25 May
Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan, 2015 on the Implementation of Integrated Governance for
maka Bank telah memiliki Kebijakan SKAI/Terintegrasi Financial Conglomeration, tthe Bank already has a Policy on
yang tertuang pada Surat Keputusan Direksi No. 004/SK- Internal Audit Unit (SKAI)/Integrated as set out in the Board
DIR/11/15 tanggal 16 November 2015 dan telah dimutakhirkan of Directors’ Decision Letter No. 004/SK-DIR/11/15 dated 16
berdasarkan Surat Keputusan Direksi No. 013/SK-DIR/03/18 November 2015 and has been updated by the Board of Directors’
28 Maret 2018 tentang Kebijakan Satuan Kerja Audit Internal Decision Letter No. 013/SK-DIR/03/18 dated 28 March 2018 on
Terintegrasi (SKAI Terintegrasi) Grup Victoria. the Policy of Integrated Internal Audit Work Unit (Integrated
SKAI) of Victoria Group.
4. Standar Operasional Prosedur Anti Fraud 4. Standard Operating Procedure for Anti Fraud
Terkait pelaksanaan fungsi peningkatan terhadap efektivitas Related to the implementation of improvement function of
pengendalian internal dalam meminimalkan risiko fraud, the effectiveness of internal control to minimize fraud risk,
maka Audit Internal/Integrated and Anti Fraud telah memiliki the Internal Audit/Integrated and Anti Fraud already has
Standar Operasional Prosedur Anti Fraud yang telah Standard Operating Procedure for Anti Fraud, which has been
dimutakhirkan melalui Surat Keputusan Direksi No. 006/ updated by the Board of Directors’ Decision Letter No. 006/
SK-DIR/11/16 tanggal 28 November 2016 tentang Standar SK-DIR/11/16 dated 28 November 2016 on Standard Operating
Operasional Prosedur Anti Fraud. Procedure for Anti Fraud.

5. Standar Operasional Prosedur Whistleblowing System 5. Standard Operating Procedure for Whistleblowing System
Audit Internal/Integrated and Anti Fraud juga berperan Internal Audit/Integrated and Anti Fraud Division also plays a
dalam penerapan whistleblowing system berdasarkan Surat role in the implementation of whistleblowing system based on
Keputusan Direksi No. 006/SK-DIR/02/16 tanggal 19 Februari the Board of Directors’ Decision Letter No. 006/SK-DIR/02/16
2016 tentang Standar Operasional Prosedur Whistleblowing dated 19 February 2016 on Standard Operating Procedure of
System PT Bank Victoria International Tbk. Whistleblowing System of PT Bank Victoria International Tbk.
Tugas dan Tanggung Jawab Audit Internal/ Duties and Responsibilities of Internal Audit/
Integrated and Anti Fraud Integrated and Anti Fraud
Berikut uraian tugas dan tanggung jawab Audit Internal/Integrated Below are the duties and responsibilities of Internal Audit/
and Anti Fraud beserta realisasinya. Integrated and Anti Fraud.
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. Assisting the President Director and Board of Commissioners
dalam melakukan pengawasan dengan cara menjabarkan in monitoring by detailing the operational, either planning,
secara operasional baik perencanaan, pelaksanaan maupun implementation, or monitoring of the audit result;
pemantauan hasil audit;
2. Menyusun dan melaksanakan perencanaan audit tahunan, 2. Preparing and conducting the annual audit planning, among
antara lain analisis dan penilaian dibidang keuangan, others, the analysis and assessment in the fields of finance,
akuntansi, operasional, perkreditan, dan kegiatan lain; accounting, operations, credit, and other activities;
3. Mengidentifikasi segala kemungkinan untuk memperbaiki 3. Identifying all possibilities to improve and enhance the
dan meningkatkan efisiensi penggunaan sumber daya dan efficient use of resources and funds;
dana;
4. Memberikan saran perbaikan dan informasi yang obyektif 4. Providing advice for improvement and objective information
tentang kegiatan yang diperiksa pada semua tingkatan on activities audited at all management levels;
manajemen;
5. Memantau, menganalisis dan melaporkan pelaksanaan tindak 5. Monitoring, analyzing, and reporting the follow-up actions of
lanjut perbaikan yang telah disarankan; the suggested corrective actions;
6. Memberikan penilaian tingkat keyakinan kualitas pelaksanaan 6. Assessing the confidence level of quality of duty
tugas atas proses manajemen risiko, sistem pengendalian implementation of the risk management process, internal
internal dan tata kelola usaha telah dilaksanakan secara control system, and business governance that has been
cukup dan efektif di seluruh Unit Kerja Bank Victoria; implemented sufficiently and effectively in all Work Units of
Bank Victoria;
7. Membuat laporan hasil audit dan menyampaikan laporan 7. Preparing the audit result report and submitting the report to
tersebut kepada Direktur Utama dan Dewan Komisaris; the President Director and the Board of Commissioners;
8. Bekerja sama dengan Komite Audit dalam melakukan 8. Cooperating with the Audit Committee in supervising and
pengawasan dan memonitor pelaksanaan tindak lanjut monitoring the implementation of follow-up for improvements
perbaikan atas temuan SKAI; to SKAI findings;
9. Memberikan saran perbaikan dan informasi yang objektif 9. Providing recommendations for improvement and objective
tentang kegiatan yang diperiksa pada semua tingkatan information on activities audited at all management levels;
manajemen; dan and
10. Melaksanakan fungsi Audit Internal Terintegrasi dalam rangka 10. Performing the functions of Integrated Internal Audit in the
Konglomerasi Keuangan Grup Victoria. framework of Victoria Group’s Financial Conglomeration.
Komposisi Audit Internal/Integrated and Anti Fraud Composition of Internal Audit/Integrated

and Anti Fraud
Pada tahun 2019, personil Audit Internal/Integrated and Anti Fraud In 2019, the Internal Audit/Integrated and Anti Fraud personnel
terdiri dari 7 (tujuh) orang yang memiliki latar belakang pendidikan consist of 7 (seven) people who are qualified in terms of education
dan kompetensi yang memadai dalam menjalankan tugas sebagai background and competence in performing their duties as an
auditor. auditor.
Sertifikasi Profesi Audit Internal/Integrated and Certification of Internal Audit/Integrated and Anti
Anti Fraud Fraud Profession
Auditor internal dituntut untuk memiliki pendidikan dan Internal audit is required to have adequate education and experiences,
pengetahuan yang memadai, termasuk sertifikasi profesi audit including certification on audit profession and expertise in banking
dan keahlian bidang perbankan, baik dari operasional, bisnis, sector, either in operation, business. or supporting fields. The
maupun supporting. Berikut sertifikasi profesi yang telah following professional certifications have been obtained by Internal
diperoleh personil Audit Internal/Integrated and Anti Fraud. Audit/Integrated and Anti Fraud personnel.

Nama Jabatan Sertifikasi Masa Berlaku Penyelenggara

Name Position Certifications Validity Period Organizer
Kepala Divisi Level Auditor Lembaga Sertifikasi Profesi Perbankan
Djoko Soendjojo 2019 - 2023
Head of Division Auditor Level Banking Profession Certification Institution
Kepala Bagian Level Auditor Lembaga Sertifikasi Profesi Perbankan

Ferry Deuning 2019 - 2023
Head of Department Auditor Level Banking Profession Certification Institution
Level Auditor Lembaga Sertifikasi Profesi Perbankan

Joel Krissata Senior Officer 2018 - 2022
Auditor Level Banking Profession Certification Institution

Ricky Windhyarto Junior Officer 2019 - 2023

Ricky Rahardjo Junior Officer 2019 - 2023

Marni Marsirah Junior Officer 2019 - 2023
Belum Mengikuti
Sertifikasi
Jantamen Simanjuntak Junior Officer N/A N/A
Has Not Obtained
Certification Yet
Kode Etik Auditor Auditor’s Code of Ethics

SKAI Bank Victoria memiliki Kode Etik yang harus dipatuhi oleh Bank Victoria’s SKAI has a Code of Ethics that must be adhered to
semua Auditor Intern baik secara individu dalam melaksanakan by all Internal Auditors, either individually or in performing audit
kegiatan audit, Kode Etik Auditor Bank Victoria terdiri dari activities. Auditor’s Code of Ethics of Bank Victoria consists of
4 (empat) prinsip yaitu : 4 (four) principles, which are:
1. Prinsip Integritas 1. Principle of Integrity
a. Dapat diandalkan, tegas, jujur, dan terpercaya; a. Reliable, firm, honest, and trustworthy;
b. Menjaga kerahasiaan informasi yang diperoleh dalam b. To keep confidential information obtained in the
pelaksanaan tugas; implementation of his/her duty.
c. Menghindari benturan kepentingan; dan c. Avoiding conflict of interest; and
d. Mengimplementasikan Kode Etik Audit Internal. d. Implementing Internal Audit’s Code of Ethics.
2. Prinsip Objektif 2. Principle of Objective

Mempraktikkan perilaku objektif dalam mengumpulkan, To practice objective behavior in collecting, evaluating
mengevaluasi, dan mengkomunikasikan informasi tentang and communicating information regarding activities being
aktivitas/kegiatan yang sedang diaudit. Dalam memberikan audited. In providing its professional opinion, Internal Auditor
pendapat profesionalnya, Auditor Internal membuat penilaian conducts assessment independently and must not be
secara independen dan tidak terpengaruh oleh kepentingan affected by its own interest or others’ opinion.
sendiri atau pendapat orang lain dalam memberikan pendapat
profesionalnya.
3. Prinsip Rahasia 3. Principle of Confidentiality

Menghargai nilai dari informasi yang diterima dan kepemilikan Appreciate the value of information received and ownership
informasi serta tidak membocorkan informasi yang diperoleh of information and does not disclose the information
tanpa mendapat kuasa kecuali demi hukum atau profesi. obtained without any authorization with exception to law or
professional requirements.
4. Prinsip Kompetensi 4. Principle of Competence

Menggunakan keterampilan, pengetahuan, keahlian, dan To use skills, knowledge, expertise, and experiences owned in
pengalaman yang dimiliki dalam melaksanakan audit serta performing audit and to continuously enhance them.
meningkatkannya secara berkesinambungan.
Metode Audit Audit Methods

Bank Victoria telah menerapkan metode audit yang berbasis risiko Bank Victoria has implemented a risk-based internal audit
(risk based internal audit/RBIA) yang dijelaskan sebagai berikut. method (RBIA) described as follows.
1. Melakukan maping potensi risiko kredit dan operasional 1. To create a mapping of credit risk and operational potency in
dalam perencanaan pemeriksaan kantor-kantor dengan offices auditing plan with intention to effect auditing process.
tujuan untuk lebih mengefektifkan proses pemeriksaan.
a. Potensi risiko kredit diukur dari: a. Potential credit risks are measured from:

1) Kantor cabang/cabang pembantu/kas yang memiliki 1) Branch/sub-branch/cash offices that have NPL
NPL di atas 1%; dan above 1%; and
2) Kantor cabang/cabang pembantu /kas yang memiliki 2) Branch/sub-branch/cash offices that have
outstanding kredit yang porsinya di atas 1% dari total outstanding credit of more than 1% of its total
kredit konsolidasi. consolidated credit.
b. Potensi risiko operasional diukur dari: kantor cabang/ b. Potential operational risks are measured from: branch/
cabang pembantu/kas yang memiliki total 6 (enam) sub-branch/cash offices that have a total of 6 (six) errors
kesalahan dalam 1 (satu) semester (rata-rata 1 (satu) in 1 (one) semester (average 1 (one) error) pursuant to the
kesalahan) berdasarkan Laporan Zero Defect dari Internal Zero-Defect Report from the Internal Control.
Control.
2. Persiapan data, pengumpulan data dan informasi, seperti 2. Preparation of data, collection of data and information, such
aktivitas operasional, kredit dan unit kerja, laporan hasil as operational activities, credit and Work Unit, Audit Report
pemeriksaan (LHP), dan temuan tahun sebelumnya. (LHP), and findings of the previous year.
3. Pelaksanaan pemeriksaan di lapangan dan menindaklanjuti 3. The implementation of on-site audit and follow up on the
temuan Audit Internal/Integrated and Anti Fraud tahun findings of Internal Audit/Integrated and Anti-Fraud Division
sebelumnya. in the previous year.
4. Penyusunan hasil temuan dan pemaparan risiko yang 4. Preparation of findings and explanation risks being faced,
dihadapi, penyebab, dampak, dan rekomendasi. causes, impacts and recommendations.
5. Penyusunan LHP sesuai format yang sudah disetujui, seperti 5. Preparation of audit report (LHP) according to the approved
pemberian nilai dan penjelasan risiko yang dihadapi pada format, such as the determination of value and explanation of
seluruh aktivitas, antara lain kredit, operasional dan unit risks being faced in all activities, including credit, operations
kerja. and Work Units.
6. Tindak lanjut temuan yang masih ditunda dengan melakukan 6. Follow up on pending findings by conducting monitoring of
pengawasan terhadap temuan yang masih ditunda dan pending findings and preparing Follow Up Reports for findings
membuat Laporan Tindak Lanjut untuk temuan yang sudah that have been settled and those in settlement process.
diselesaikan maupun dalam proses penyelesaian.
Rencana Kerja Audit Internal/Integrated and Anti Work Program of Internal Audit/Integrated and
Fraud Anti Fraud
Audit Internal/Integrated and Anti Fraud telah menyusun Rencana The Internal Audit/Integrated and Anti-Fraud has prepared the
Kerja Audit Tahun 2019 yang telah dilaporkan kepada Otoritas 2019 Audit Work Plan, which has been reported to the Financial
Jasa Keuangan dengan Surat No.033/SKAI-EKS/01/19 tentang Services Authority under the Letter No. 033/SKAI-EKS/01/19 on
Rencana Kerja Satuan Kerja Audit Intern (SKAI)/ Terintegrasi dan Work Plan of Internal Audit Work Unit (SKAI)/Integrated and Anti-
Anti Fraud Tahun 2019 PT Bank Victoria International Tbk, dengan Fraud of 2019 of PT Bank Victoria International Tbk, with targets
sasaran yang akan dicapai oleh SKAI/Terintegrasi dan Anti Fraud to be achieved by SKAI/Integrated and Anti-Fraud in 2019 as
pada tahun 2019, yaitu: follows:
1. Melakukan pengujian dan evaluasi atas proses pengendalian 1. Testing and evaluating the Bank's internal control process
Intern Bank secara independen dan objektif; independently and objectively;
2. Menghasilkan Laporan Pemeriksaan yang mampu mendorong 2. Generating an Audit Report that is able to encourage
peningkatan kinerja yang sesuai dengan prinsip kehati- performance improvement in accordance with the principle
hatian; of prudence;
3. Melakukan fungsi konsultatif terhadap aspek pengendalian 3. Performing consultative function on aspects of internal
Intern Bank dengan senantiasa menjunjung tinggi etika control of the Bank by always upholding professional ethics;
profesi; dan and
4. Meningkatkan kompetensi dengan memberikan pelatihan- 4. Improving competence by providing trainings as needed.
pelatihan sesuai kebutuhan.
Sedangkan, aktivitas utamanya adalah sebagai berikut. Meanwhile, the main activities are as follows.
1. Pengembangan: 1. Development:
a. Untuk mendukung terlaksananya proses pemeriksaan a. To support the implementation of a quality audit process
yang berkualitas dan mempunyai nilai tambah bagi that has added value for Shareholders, in line with the
Pemegang Saham, maka sejalan dengan praktik terbaik generally accepted best practices, in 2020 SKAI will
yang berlaku umum, pada tahun 2020 SKAI akan continue the risk-based audit development program with
melanjutkan program pengembangan risk based audit the following main activities.
dengan beberapa kegiatan utama sebagai berikut.
• SDM SKAI • Human Resource of SKAI
 Secara berkelanjutan meningkatkan kompetensi  Continually improving the competence of
staf Internal Audit (sertifikasi, training/pelatihan Internal Audit staffs (certification, internal and
internal dan eksternal). external trainings).
 Mengimplementasikan praktik-praktik yang  Implementing performance management-
berorientasi pada performance management. oriented practices.

• Proses • Process
 Penyempurnaan proses pelaksanaan audit.  Improving the audit process.
 Pelaksanaan audit dengan fokus pada risiko yang  Conducting audits with focus on significant
signifikan. risks.
• Sistem • System
Secara konsisten mengimplementasikan dan Consistently implementing and refining the Internal
menyempurnakan metodologi Internal Audit (rating Audit methodology (rating system, offsite audit), and
system, offsite audit) dan sosialisasi metodologi disseminating such Internal Audit methodology.
Internal Audit tersebut.
• Infrastruktur • Infrastructure
 Menciptakan suasana kerja yang kondusif dan  Creating a conducive work atmosphere and a
learning environment yang tinggi. high learning environment.
 Pemenuhan fasilitas kerja yang memadai.  Fulfilling adequate work facilities.
• Teknologi • Technology
 Melakukan proses audit (audit management  Conducting audit process (audit management
system) dengan bantuan teknologi. system) with the help of technology.
 Memanfaatkan komputerisasi dalam  Utilizing computerization in improving audit
meningkatkan kualitas dan produktivitas quality and productivity.
pelaksanaan audit.
b. Mengembangkan Pelaksanaan SKAI Terintegrasi b. Developing Integrated SKAI Implementation

Bank telah membuat dan menerbitkan Kebijakan SKAI The Bank has made and issued an Integrated SKAI Policy
Terintegrasi sebagai pedoman dalam pelaksanaannya, as a guideline in its implementation, as well as a standard
serta standar template sebagai basis monitoring template as a basis for monitoring and reporting on the
dan pelaporan pelaksanaan hasil audit seluruh LJK. audit results of the entire LJK. This implementation will
Hal ini akan terus dipantau implementasinya, serta continue to be monitored and adjusted to the needs;
disesuaikan dengan kebutuhan, sehingga diharapkan therefore, this implementation is expected to make a
dapat memberikan kontribusi yang positif terhadap positive contribution to the management of Integrated
pengelolaan Tata Kelola Terintegrasi. Governance.
c. Anti Fraud c. Anti Fraud

Untuk lebih meningkatkan awareness karyawan terhadap To further increase employee awareness of fraud, an Anti
fraud, maka akan dilakukan improvement peran dan Fraud role and function will be improved by conducting
fungsi Anti Fraud dengan melakukan pelatihan dan regular training and dissemination.
sosialisasi secara berkala.
2. Pemeriksaan: 2. Audit:
Kegiatan pemeriksaan berbasis risiko (risk based internal Risk based internal audit activities in 2020 are carried out by
audit) tahun 2020 dilakukan dengan memperhatikan hal-hal considering the following matters:
sebagai berikut:
a. Pemilihan unit kerja organisasi/aktivitas yang diperiksa a. The criteria the select which organizational work units/
dengan kriteria: activities to be audited are:
1. Untuk Unit Kerja Kantor Pusat akan dilakukan 1. For Head Office Work Units, the audit will be
terhadap unit kerja yang berdampak signifikan conducted for work units that have significant
terhadap Financial/Bisnis Bank serta yang memiliki impact on the Bank's Financial/Business and those
risiko tinggi. with high risks.
2. Untuk unit bisnis/kantor cabang dilakukan 2. For business units/branch offices, the audit will be
berdasarkan evaluasi sebagai berikut: based on the following evaluations:
a) Faktor yang Bersifat Umum (General Factor) a) General Factors
• Size of transaction; • Size of transaction;
• Rapidity of growth; • Rapidity of growth;
• Change in key person; • Change in key person;
• Rentang waktu pemeriksaan internal audit • The time span of the previous internal audit;
sebelumnya;
• Hasil audit peringkat sebelumnya; • Rating of the previous audit results;
• Kejadian fraud; • Fraud events;
• Hasil temuan unit internal control (zero • Findings from internal control unit (zero
defact dan TBO); dan defect and TBO); and
• Service quality dan service excellent. • Service quality and service excellence.

b) Off-Site Assessment b) Off-Site Assessment

• Rencana kerja (operating plan, • Work plan (operating plan, implementation,
implementation, target/realisasi); target/realization);
• Organisasi dan SDM (pendidikan dan • Organization and HR (education and
pelatihan); training);
• Hasil evaluasi atas aktivitas unit/cabang • Evaluation results of unit/branch’s activities
(account maintenance, cash management, (account maintenance, cash management,
accounting proses and reporting); accounting process, and reporting);
• Konsentrasi Kredit, NPL Ratio, Non Current • Credit Concentration, NPL Ratio, Non-
Ratio; dan Current Ratio; and
• To Be Continue (TBO) Dokumen. • To Be Continue (TBO) Document.
b. Lingkup Pemeriksaan Tahun 2020 b. Audit Scopes in 2020

Setelah menetapkan parameter pemilihan unit After establishing the parameters to select which
organisasi/aktivitas sebagaimana disebut diatas, maka organizational units/activities as mentioned above, the
lingkup pemeriksaan tahun 2020 adalah: 2020 audit scopes are:
1. Pemeriksaan kantor cabang, cabang pembantu, dan kas 1. Audit of branch offices, sub-branch offices, and cash
Melakukan pemeriksaan terhadap 69 kantor dari 85 offices;
Cabang atau 81,00%. Examining 69 offices from 85 Branch Offices or
81.00%.
2. Pemeriksaan Operasional Unit Kerja Kantor Pusat 2. Audit of Operational Work of Head Office
Melakukan pemeriksaan aktivitas operasional Auditing the operational activities on 12 audit objects
terhadap 12 obyek pemeriksaan di Unit Kerja/Divisi. in the Work Unit/Division.
3. Pemeriksaan LHPK dan KPDHN 3. Audit of LHPK and KPDHN
Penilaian aspek risiko dengan fokus pada risiko Assessing the risk aspects with a focus on compliance
kepatuhan untuk pemeriksaan terhadap BI-RTGS, BI- risks for audit of BI-RTGS, BI-SSSS, BI-ETP (Electronic
SSSS, BI-ETP (Electronic Trading Platform), SKN-BI, Trading Platform), SKN-BI, and DHN-BI.
dan DHN-BI.
4. Pemeriksaan Khusus 4. Special Audit
Melakukan pemeriksaan khusus terhadap temuan- Conducting special audit on the findings of the
temuan Otoritas Jasa Keuangan (OJK)/Bank Financial Services Authority (OJK)/Bank Indonesia
Indonesia (BI) dan temuan Akuntan Publik. Selain itu (BI) and the findings of the Public Accountant. In
juga pemeriksaan khusus yang terkait dengan case addition, special audit related to cases or fraud that
atau fraud yang terjadi di Bank. occur at the Bank.
Pelaksanaan Rencana Kerja Audit Internal/ Implementation of Work Plan of Internal Audit/
Integrated and Anti Fraud Integrated and Anti Fraud
Realisasi rencana kerja audit tahun 2019 yang telah dilaporkan Realizations of the 2019 audit work plan that have been reported
kepada Manajemen dan Otoritas Jasa Keuangan, untuk semester to the Management and Financial Services Authority, for
I dengan Surat No. 055/DIR-EKS/07/19 tentang Laporan Pokok- semester I under the Letter No. 055/DIR-EKS/07/19 on Reports on
pokok Hasil Audit Intern Semester I Tahun 2019 PT Bank Victoria Internal Audit Results for Semester I Year 2019 of PT Bank Victoria
International Tbk dan semester II dengan Surat No. 073/DIR- International Tbk and semester II under the Letter No. 073/DIR-
EKS/01/20 tentang Laporan Pokok-pokok Hasil Audit Intern EKS/01/20 on Reports on Internal Audit Results for Semester II
Semester II Tahun 2019 PT Bank Victoria International Tbk, yaitu: Year 2019 of PT Bank Victoria International Tbk are:
1. Pengembangan Kompetensi Karyawan 1. Employee Competency Development

a. Telah mengikutsertakan sebanyak 9 (sembilan) orang a. 9 (nine) auditors have been included in the audit
petugas pemeriksa (auditor) dalam program sertifikasi certification program organized by the Banking
audit yang diselenggarakan oleh Lembaga Sertifikasi Profession Certification Institute and 1 (one) person has
Profesi Perbankan dan 1 (satu) orang untuk mengikuti participated in IT audit certification.
sertifikasi IT audit.
b. Telah mengikutsertakan sebanyak 4 (empat) orang petugas b. 4 (four) auditors have participated in the PSAK 71 Training.
pemeriksa (auditor) dalam mengikuti Training PSAK 71.
c. Mengkinikan beberapa kebijakan pemeriksaan sesuai c. Updating a number of audit policies in accordance with
dengan Peraturan Otoritas Jasa Keuangan terbaru yaitu the latest Financial Services Authority Regulations,
Piagam Audit Intern. which is the Internal Audit Charter.
d. Telah mengikutsertakan sebanyak 1 (satu) orang anggota d. 1 (one) SKAI member was included in the Risk Register
SKAI dalam pelatihan Risk Register Operasional Risk of Risk Operational Management training in July 2019,
Management pada Juli 2019 yang diselenggarakan oleh organized by the Human Capital Division of Bank Victoria.
Divisi Human Capital Bank Victoria.

e. Telah mengikutsertakan sebanyak 2 (dua) orang anggota e. 2 (two) SKAI members were included in the Risk-Based
SKAI dalam pelatihan Risk Based Audit selama 2 (dua) Audit training for 2 (two) days in August 2019, organized
hari pada Agustus 2019 yang diselenggarakan oleh Risk by the Risk Management Guard at Le Meridien Hotel.
Management Guard di Hotel Le Meredien.
f. Telah mengikuti pelatihan Fraud Risk Management f. 1 (one) person was included in the Fraud Risk Management
sebanyak 1 (satu) orang pada September 2019 yang training in September 2019, organized by the Indonesian
diselenggarakan oleh Association of Certified Fraud Association of Certified Fraud Examiners (ACFE).
Examiner (ACFE) Indonesia.
g. Telah mengikutsertakan 8 (delapan) orang anggota g. 8 (eight) members were included in the technical training
dalam pelatihan Teknik Pembuatan Rencana Kerja, of Preparing Work Plan, Audit, and Risk-Based Audit
Pemeriksaan dan Laporan Hasil Audit Berbasis Risiko Report, conducted by Bank Victoria's Human Capital
diselenggarakan oleh Divisi Human Capital Bank Victoria Division, by inviting external trainer services.
dengan mengundang jasa trainer dari eksternal.
h. Telah mengikutsertakan 8 (delapan) orang auditor dalam h. 8 (eight) auditors were included in the Three Lines of
Workshop Three Lines of Defense diselenggarakan oleh Defense Workshop, organized by the Human Capital
Divisi Human Capital Bank Victoria dengan mengundang Division of Bank Victoria, by inviting external trainer
jasa trainer dari eksternal. services.
2. Rencana kerja dan Realisasi Pemeriksaan Audit Berbasis 2. Work Plan and Realization of the Audit of Risk Based Audit
Risiko
Rencana kerja dan realisasi pemeriksaan berdasarkan Risk The work plan and realization of the audit based on the 2019
Based Audit tahun 2019 adalah sebagai berikut. Risk Based Audit are as follows.
Rencana Kerja 2019 Realisasi Pemeriksaan 2019

No No
2019 Work Plan Realization of 2019 Audit
KCU / Area/ Main Branch Offices / Area: KCU / Area/ Main Branch Offices / Area:
1 KCU Fatmawati 1 KCU Fatmawati
2 KCU Cideng 2 KCU Cideng
3 KCU Kelapa Gading 3 KCU Kelapa Gading
4 KCU Senayan 4 KCU Senayan
5 KCU BIP 5 KCU BIP
6 KCU Bandung 6 KCU Bandung
7 KCU Bogor 7 KCU Bogor
8 KCU Manado 8 KCU Manado
9 KCU Surabaya 9 KCU Surabaya
10 KK Graha Pena 10 KCU Bali
11 KCU Semarang
Unit Kerja Bisnis/ Business Work Unit: Unit Kerja Bisnis/ Business Work Unit:
11 Commercial Banking 12 Commercial Banking
12 Corporate Banking 13 Corporate Banking
13 Multifinance Banking 14 Multifinance
14 Credit Risk Review 15 Credit Risk Review
15 Treasury, Settlement and FI 16 Treasury, Settlement & FI
17 SME and Consumer Banking
18 Multifinance (OJK)
Unit Kerja Non Bisnis/ Non-Business Work Unit: Unit Kerja Non Bisnis/ Non-Business Work Unit:
16 General Affair 19 General Affair
17 Human Capital Management 20 Human Capital Management

Rencana Kerja 2019 Realisasi Pemeriksaan 2019

No No
2019 Work Plan Realization of 2019 Audit
18 Operasional 21 Operasional
19 Compliance 22 Compliance
20 Risk Management 23 Risk Management
21 TSI 24 TSI Non Core
22 RTGS, SKN, BI-SSSS, ETP & KPDHN 25 TSI Core
26 RTGS, SKN, BI-SSSS, ETP and KPDHN
Berdasarkan tabel di atas dapat disimpulkan bahwa realisasi Based on the above table, it can be concluded that the realization
pemeriksaan SKAI 2019 telah melebihi target sebanyak 4 (empat) of the 2019 SKAI audit exceeded the target of 4 (four) audit
obyek pemeriksaan atau 118,00% dari Rencana Kerja tahun 2019 objects or 118.00% of the 2019 Work Plan which were, Semarang
yaitu, KCU Semarang, SME dan I, Multifinance (OJK) and TSI Core. Main Branch Office, SME and I, Multifinance (OJK), and TSI Core.
3. Pelaksanaan Pemeriksaan 3. Audit Implementation

a. Pemeriksaan KCU Jakarta dan KCU Luar Kota a. Auditing Jakarta Main Branch Office and Main Branch
Offices Outside the City
Selama tahun 2019 periode bulan Januari-Desember 2019 Throughout 2019, for January-December 2019 period, the
untuk realisasi pemeriksaan sebagai berikut. realizations of audit were as follows.
1) Pemeriksaan Operasional secara offsite sebanyak 90 1) Operational Audit of 90 offices offsite and 61 offices
kantor dan onsite sebanyak 61 kantor; dan onsite; and
2) Pemeriksaan Kredit secara offsite sebanyak 86 2) Credit audit of 86 offices offsite and 42 offices
kantor dan onsite sebanyak 42 kantor. onsite.
b. Pemeriksaan Unit Kerja. b. Auditing Work Unit
Untuk pemeriksaan Unit Kerja pada Tahun 2019 periode For Work Units audit in 2019, for January to December
Januari-Desember 2019, telah terealisasi sebanyak 2019 period, auditing of 7 (seven) Business Work Units
7 (tujuh) Unit Kerja Bisnis dan 8 (delapan) Unit Kerja Non and 8 (eight) Non-Business Work Units was realized.
Bisnis.
4. Mengembangkan Implementasi SKAI Terintegrasi 4. Developing Integrated SKAI Implementation

Mengembangkan dan mengimplementasikan fungsi SKAI Developing and implementing the Integrated SKAI function
Terintegrasi berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation No. 18/
No.18/POJK.03/2014 tanggal 18 November 2014 dan Surat POJK.03/2014 dated 18 November 2014 and Circular No. 15/
Edaran No. 15/SEOJK.03/2015 tentang Tata Kelola Terintegrasi SEOJK.03/2015 on Integrated Governance for Financial
bagi Konglomerasi Keuangan tanggal 25 Mei 2015. Conglomeration dated 25 May 2015.
Dalam kaitan ini telah diterbitkan Surat Keputusan Direksi No. Regarding this matter, the Bank has issued the Board of
003/SK-DIR/02/17 tentang Kebijakan Satuan Kerja Audit Intern Directors’ Decision Letter No. 003/SK-DIR/02/17 on the
Terintegrasi (SKAI Terintegrasi) Grup Victoria tanggal 23 Februari Policy of Integrated Internal Audit Work Unit (Integrated
2017 yang telah dikinikan melalui Surat Keputusan Direksi No. SKAI) of Victoria Group dated 23 February 2017, which has
013/SK-DIR/03/18 tanggal 28 Maret 2018 dan Kebijakan tersebut been updated under the Board of Directors’ Decision Letter
telah diimplementasikan ke anggota LJK yaitu: No. 013/SK-DIR/03/18 dated 28 March 2018 and the Policy has
been implemented by the LJK members, which are:
1) Sosialisasi Risk Based Audit 1) Dissemination of Risk-Based Audit
a. Telah dilakukan sosialisasi Penilaian Rating Audit a. Dissemination of Audit Rating Assessment,
dan Pengukuran Parameter Risiko serta Pelaporan Measurement of Risk Parameters, and Integrated
Terintegrasi sebanyak 5 (lima) kali yaitu sebagai Reporting for 5 (five) times as follows.
berikut.

Tanggal Sosialisasi Peserta Lembaga Jasa Keuangan (LJK)

Date of Dissemination Participants of Financial Services Institution (LJK)
29 Juli 2019
29 July 2019
Victoria Sekuritas Indonesia
8 Agustus 2019 Victoria Insurance
8 August 2019 Victoria Manajemen Investasi
5 November 2019 Victoria Alife Indonesia
31 Januari 2020
31 January 2020
6 Februari 2020
6 February 2020
b. Telah mengikutsertakan sebanyak 4 (empat) anggota b. 4 (four) LJK members, which are Victoria Sekuritas
LJK yaitu Victoria Sekuritas Indonesia, Victoria Indonesia, Victoria Insurance, Victoria Alife Indonesia
Insurance, Victoria Alife Indonesia Vlife, dan Bank Vlife, and Bank Victoria Syariah, participated in the
Victoria Syariah dalam pelatihan Teknik Pembuatan technical training of Preparing Work Plan, Audit,
Rencana Kerja, Pemeriksaan, dan Laporan Hasil and Risk-Based Audit Reports on 14 December 2019,
Audit Berbasis Risiko pada 14 Desember 2019 yang organized by Dakara Excellentia (external party).
diselenggarakan pihak Dakara Excellentia (eksternal).
Selain itu, setiap triwulan SKAI Terintegrasi telah In addition, every quarter the Integrated SKAI
melaporkan hasil pemantauan aktivitas dan hasil reported the monitoring results of audit activities
audit tersebut ke Direktur Incharge Entitas Utama and audit results to the Director in charge of the Main
dengan tembusan ke Dewan Komisaris, sebagai Entity, with a copy to the Board of Commissioners, as
berikut. follows.
• Triwulan I : Telah dilaporkan pada 6 Mei 2019; • Quarter I : Reported on 6 May 2019;
• Triwulan II : Telah dilaporkan pada 23 Juli 2019; • Quarter II : Reported on 23 July 2019;
• Triwulan III : Telah dilaporkan pada 23 Oktober • Quarter III : Reported on 23 October 2019; and
2019; dan
• Triwulan IV : Telah dilaporkan pada 21 Februari • Quarter IV : Reported on 21 February 2020.
2020.
5. Unit Anti Fraud 5. Anti Fraud Unit

Untuk mengingatkan, meningkatkan serta menumbuhkan To remind, increase, and raise awareness on the importance
kesadaran mengenai pentingnya pencegahan fraud of fraud prevention at every level of the organization, the
pada setiap level organisasi, maka Unit Anti Fraud telah Anti-Fraud Unit has dissemination anti-fraud awareness and
memberikan sosialisasi dan refreshment anti fraud yaitu: refreshment, which were:
a. Telah memberikan Workshop Preventif and Awareness
Fraud kepada karyawan baru di KCU Solo pada 15 Juli a. Fraud Preventive and Awareness Workshop to new
2019; employees at Solo Main Branch Office on 15 July 2019;
b. Telah memberikan Workshop Preventif and Awareness b. Fraud Preventive and Awareness Workshop to new
Fraud kepada karyawan baru di KCU Semarang pada 16 employees at Semarang Main Branch Office on 16 July
Juli 2019; 2019;
c. Telah memberikan Workshop Preventif and Awareness c. Fraud Preventive and Awareness Workshop and basics of
Fraud serta dasar-dasar audit Penerapan Fungsi Audit auditing the Implementation of the Bank’s Internal Audit
Intern Bank (PFIB) kepada Front Liner Development Function (PFIB) to the Front Liner Development Program
Program (FLDP) pada 23 Juli 2019; (FLDP) on 23 July 2019;
d. Unit Anti Fraud bekerja sama dengan pihak ketiga (Globe d. The Anti Fraud Unit in collaboration with a third party
Persada Indonesia) memberikan refreshment Anti Fraud (Globe Persada Indonesia) provided an Anti Fraud
dengan judul Preventif and Awareness Fraud yang diikuti refreshment with the title of Fraud Preventive and
oleh Marketing Officer, Kepala Operasional, dan Divisi Awareness, which was attended by the Marketing
Operasional sebanyak 5 (lima) Batch; Officers, Chief Operations, and Operational Divisions for
5 (five) Batches;
e. Telah memberikan Flyer Anti Fraud kepada seluruh e. Anti Fraud Flyer has been distributed to all branch offices
cabang sebagai kesadaran terhadap pelaku fraud; dan for awareness to prevent perpetrator to commit fraud; and
f. Komisaris, Direksi dan seluruh karyawan telah f. Commissioners, Directors, and all employees have signed
menandatangani Pakta Integritas. the Integrity Pact.

Selain itu, Unit Anti Fraud telah merilis himbauan budaya Anti In addition, the Anti Fraud Unit has released its monthly Anti
Fraud melalui email setiap bulan kepada seluruh karyawan. Fraud cultural appeals via email to all employees.
6. Pemeriksaan Khusus 6. Special Audit

Selama periode Januari – Desember 2019 telah melakukan During the period of January - December 2019, investigations
investigasi yaitu kejadian Fraud yaitu: on Fraud incidents were carried out, which were:
a. Memo Intern No. 005/SKAI-DIR/01/19 tanggal 31 Januari a. lnternal Memo No. 005/SKAI-DIR/01/19 dated 31 January
2019 perihal Pemeriksaan Kasus Rekening Tabungan 2019 on Audit of Fictitious Savings Account Case in
Fiktif di Kantor Kas Taman Semanan; Taman Semanan Cash Office;
b. Memo Intern No. 011/SKAI-DIR/05/19 tanggal 29 Mei 2019 b. lnternal Memo No. 011/SKAI-DIR/05/19 dated 29 May 2019
perihal Pemeriksaan Kasus Relationship Officer Kantor on Audit of Relationship Officer Case at Manado Branch
BVI Cabang Manado; Office;
c. Memo Intern No. 006/SKAI-DIR/06/19 tanggal 27 Juni c. lnternal Memo No. 006/SKAI-DIR/06/19 dated 27 June
2019 perihal Pemeriksaan Khusus Pembukaan Rekening 2019 on Special Audit of Opening Fictitious Accounts at
Fiktif di Kantor Kas Sahid Sudirman; Sahid Sudirman Cash Office;
d. Memo Intern No. 004/SKAI-DIR/09/19 tanggal 30 d. lnternal Memo No. 004/SKAI-DIR/09/19 dated 30
September 2019 perihal Pemeriksaan Kasus Selisih September 2019 on Audit of Cases of Lack of Physical
Kurang Fisik Uang di Brankas/Khazanah Cabang Money in the Safe of Duta Mas Sub-Branch Office; and
Pembantu Duta Mas; dan
e. Memo Intern No. 003/SKAI-DIR/10/19 tanggal 8 Oktober e. lnternal Memo No. 003/SKAI-DIR/10/19 dated 8 October
2019 perihal Investigasi Penyalahgunaan Wewenang oleh 2019 on the Investigation of Abuse of Authority by the
Kepala Operasional Cabang Pembantu Kalimalang. Head of Operations of Kalimalang Sub-Branch Office.
Temuan dan Tindak Lanjut Hasil Audit Findings and Follow Up to Audit Results
Hasil audit tahun 2019 telah menghasilkan sejumlah temuan The audit carried out in 2019 has generated a number of findings
yang telah dilaporkan kepada Direksi dan Dewan Komisaris. that have been reported to the Board of Directors and Board
Temuan tersebut telah menghasilkan sejumlah rekomendasi of Commissioners. The findings have been used to make a
yang perlu ditindaklanjuti oleh auditee. Rekomendasi yang telah number of recommendations that need to be acted upon by the
ditindaklanjuti dengan tuntas, akan diinformasikan kepada auditee. Recommendation that has already been fully followed-
auditee dan Direksi, sedangkan rekomendasi yang belum selesai up will be informed to the auditee and Board of Directors, while
ditindaklanjuti dan masih berstatus pending item, akan dipantau recommendation that has not been fully followed up will remain in
penyelesaiannya oleh Audit Internal/ Integrated and Anti Fraud. pending item status, and the completion will be monitored by the
Berikut temuan dan tindak lanjut audit di tahun 2019. Internal Audit /Integrated and Anti Fraud committee. Below are
the findings and follow up in 2019.
1. KCU Jakarta dan KCU Luar Kota 1. Jakarta Main Branch Office and Main Branch Offices Out of Town
Keseluruhan jumlah temuan Area dan KCU luar kota berjumlah The total number of findings of Area and Main Branch Ofices
346 dan telah ditindaklanjuti semuanya atau 100,00%. Out of Town was 346 findings and all of them or 100.00% have
been followed up.
Status Temuan Audit

Jenis Audit Status of Audit Findings
Objek Pemeriksaan
No Type of
Audit Object Selesai Dalam Proses
Audit Overdue Total
Done On Process
A. Area dan Cabang
Area and Branch
Kredit Area Fatmawati

29 0 0 29
Loans Fatmawati Area
1
Ops Area Fatmawati
14 0 0 14
Operations Fatmawati Area
Kredit KCU Bogor

19 0 0 19
Loans Bogor Main Branch Office
2
Ops KCU Bogor
10 0 0 10
Operations Bogor Main Branch Office
Kredit KCU Bali

14 0 0 14
Loans Bali Main Branch Office
3
Ops KCU Bali
0 0 0 0
Operations Bali Main Branch Office

Status Temuan Audit

Jenis Audit Status of Audit Findings
Objek Pemeriksaan
No Type of
Audit Overdue Total
Done On Process
Kredit Area Cideng
22 0 0 22
Loans Cideng Area
4
Ops Area Cideng
23 0 0 23
Operations Cideng Area
Kredit Area Kelapa Gading

29 0 0 29
Loans Kelapa Gading Area
5
Ops Area Kelapa Gading
21 0 0 21
Operations Kelapa Gading Area
Kredit Area Surabaya

18 0 0 18
Loans Surabaya Area
6
Ops Area Surabaya
9 0 0 9
Operations Surabaya Area
Kredit KCU Semarang

2 0 0 2
Loans Semarang Main Branch Office
7
Ops KCU Semarang
0 0 0 0
Operations Semarang Main Branch Office
Kredit Area BIP

22 0 0 22
Loans BIP Area
8
Ops Area BIP
25 0 0 25
Operations BIP Area
Kredit Area Senayan

11 0 0 11
Loans Senayan Area
9
Ops Area Senayan
31 0 0 31
Operations Senayan Area
Kredit KCU Manado

4 0 0 4
Loans Manado Main Branch Office
10
Ops KCU Manado
8 0 0 8
Operations Manado Main Branch Office
Kredit KCU Bandung

1 0 0 1
Loans Bandung Main Branch Office
11
Ops KCU Bandung
18 0 0 18
Operations Bandung Main Branch Office
Komposit Area dan Cabang

346 0 0 346
Composite of Area and Branch
Area dan Cabang (%)

100.00 0.00 0.00 100.00
Area and Branch (%)

2. Unit Kerja Kantor Pusat 2. Head Office Work Unit

Keseluruhan jumlah temuan Unit Kerja Kantor Pusat The total number of findings of Head Office Work Unit was 198
berjumlah 198 telah ditindaklanjuti semuanya atau 100,00%. findings and all of them or 100.00% have been followed up.
Status Temuan Audit

Objek Pemeriksaan Status of Audit Findings
Overdue Total
Done On Process
B. Unit Kerja Non Bisnis
Non-Business Work Unit
Peserta dan Security SKN-BI, BI- RTGS, BI-SSSS, BI-

ETP dan KPDHN-BI
0 0 0 0
Participants and Security of SKN-BI, BI- RTGS, BI-
SSSS, BI-ETP, and KPDHN-BI
Human Capital Management 14 0 0 14
General Affair 10 0 0 10
Compliance 9 0 0 9
Operasional 6 0 0 6
Multifinance 20 0 0 20
TSI Non Core 20 0 0 20
Corporate 14 0 0 14
Risk Management 6 0 0 6
Credit Risk Review 9 0 0 9
TSI Core Banking 16 0 0 16
Commercial Banking 12 0 0 12
SME and Konsumer 11 0 0 11
Treasury, Settlement, and FI 20 0 0 20
Multifinance 31 0 0 31
Komoposit Unit Kerja Non-Bisnis

198 0 0 198
Composite of Non-Business Work Unit
Unit Kerja Non-Bisnis (%)

100.00 0.00 0.00 100.00
Non-Business Work Unit (%)

Akuntan Publik
// Public Accountant
Sebagai bagian dari implementasi GCG terkait transparansi As part of GCG implementation related to the transparency of
kondisi keuangan dan peningkatan informasi keuangan, Bank financial condition and improvement of financial information, the
menyediakan laporan keuangan yang berkualitas melalui fungsi Bank provides quality financial report through external auditor,
auditor eksternal, yaitu kantor akuntan publik dan akuntan publik namely public accountant office and public accountant appointed
yang ditunjuk untuk mengaudit laporan keuangan Bank, baik to audit the Bank’s financial statement, both interim and annual
laporan keuangan interim maupun laporan keuangan tahunan. financial statements. The appointment of public accounting
Penunjukan kantor akuntan publik dan akuntan publik dilakukan firm and public accountant is conducted in accordance with
sesuai ketentuan Anggaran Dasar dan Peraturan Otoritas Jasa the provisions of Articles of Association and Financial Services
Keuangan No. 13/POJK.03/2017 tentang Penggunaan Jasa Authority Regulation No. 13/POJK.03/2017 on the Use of Public
Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan Jasa Accountant Services and Public Accounting Firm in Financial
Keuangan, serta peraturan turunannya. Services Activities, as well as its derivative regulations.
Mekanisme dan Dasar Pertimbangan Mechanism and Basis of Consideration to

Penunjukan Akuntan Publik Appoint Public Accounting Firm
Penunjukan kantor akuntan publik dan akuntan publik dilakukan The appointment of public accounting firm and public accountant
melalui mekanisme RUPS dengan mempertimbangkan usulan is made through the GMS mechanism by considering the proposal
Dewan Komisaris yang telah memperhatikan rekomendasi of the Board of Commissioners and taking into account the
Komite Audit. Dalam menyusun rekomendasi, Komite Audit recommendations of the Audit Committee. In preparing the
mempertimbangkan: recommendations, the Audit Committee considers:
1. Independensi kantor akuntan publik, akuntan publik, dan 1. Independence of public accounting firm, public accountant,
orang dalam kantor akuntan publik; and persons in the public accounting firm;
2. Ruang lingkup audit; 2. The audit scope;
3. Imbalan jasa audit; 3. Audit services fee;
4. Keahlian dan pengalaman kantor akuntan publik, akuntan 4. Expertise and experience of public accounting firm, public
publik dan tim audit; accountant, and audit team;
5. Metodologi, teknik, dan sarana audit yang digunakan; 5. Methodology, technique, and facilities of audit used;
6. Manfaat fresh eyes perspectives yang akan diperoleh melalui 6. Benefit of fresh eye perspective that will be obtained through
penggantian kantor akuntan publik, akuntan publik dan tim replacement of public accounting firm, public accountant,
audit; and audit team;
7. Potensi risiko atas penggunaan jasa audit oleh kantor akuntan 7. Potential risks for the use of audit services by the same public
publik yang sama secara berturut-turut untuk kurun waktu accounting firm in a row for a considerable period of time;
yang cukup panjang; dan/atau and/or
8. Hasil evaluasi terhadap pelaksanaan pemberian jasa audit 8. Evaluation results on the implementation of audit services for
atas informasi keuangan historis tahunan oleh kantor akuntan annual historical financial information by public accounting
publik dan akuntan publik pada periode sebelumnya. firm and public accountant in the previous period.
Hasil pertimbangan Komite Audit tersebut disampaikan kepada The results of the Audit Committee's considerations were
Dewan Komisaris dan Otoritas Jasa Keuangan melalui Surat Memo submitted to the Board of Commissioners and Financial Services
Komite Audit No. 021/KA/8/2019 tanggal 14 Agustus 2019 tentang Authority through Audit Committee’s Memo No. 021/KA/8/2019
Rekomendasi Komite Audit dalam Penunjukan Akuntan Publik dated 14 August 2019 on the Recommendation of Audit Committee
dan/atau Kantor Akuntan Publik untuk melakukan pekerjaan in Appointing Public Accountant and/or Public Accountant Firm
asurans Laporan Keuangan PT Bank Victoria International Tbk to perform the assurance work of Financial Statements of PT
tahun buku 2019 dan Memo Dewan Komisaris No. 001A/KOM- Bank Victoria International Tbk for the 2019 fiscal year and Board
DIR/JKT/8/2019 tanggal 11 September 2019 tentang Penunjukan of Commissioners’ Memo No. 001A/KOM-DIR/JKT/8/2019 dated
Kantor Akuntan Publik (KAP) dan/atau Akuntan Publik (AP), 11 September 2019 on Appointment of Public Accountant Firm
untuk General Audit atas Laporan Keuangan PT Bank Victoria (KAP) and/or Public Accountant (AP), for General Audit of
International Tbk tahun buku 31 Desember 2019. Financial Statements of PT Bank Victoria International Tbk for the
31 December 2019 fiscal year.

Penunjukan Akuntan Publik Appointment of Public Accountant

Berdasarkan ketentuan yang berlaku, Bank melalui mekanisme Under the prevailing provisions, the Bank through GMS
RUPS telah menetapkan kantor akuntan publik dan akuntan mechanism has established a public accounting firm and public
publik, yang merupakan pihak independen yang tidak memiliki accountant, an independent party having no conflict of interest
benturan kepentingan dengan Bank, untuk mengaudit laporan with the Bank, to the audit Bank’s financial statements. The result
keuangan Bank. Hasil penunjukan kantor akuntan publik dan of appointment of public accounting office and public accountant
akuntan publik dalam 5 (lima) tahun terakhir sebagai berikut. in the last 5 (five) years as follows.
Nomor Izin
Tahun
Akuntan Publik
Kantor Akuntan Publik Periode Buku Biaya (Rp) Masa Kontrak Akuntan Publik
Public Accounting Firm Period Cost (Rp) Contract Period Public Accountant Public
Fiscal
Accountant
Year
License Number
Tanudiredja, Wibisana, Rintis dan Rekan Januari –
(member of Pricewaterhouse Cooper) Desember
2019 2019 1,500,000,000 Jimmy Pangestu, SE AP. 1124
Tanudiredja, Wibisana, Rintis and Partners January -
(member of Pricewaterhouse Cooper) December

(member of Pricewaterhouse Cooper) Desember M. Jusuf Wibisana,
2018 2018 1,760,000,000 AP. 0222
Tanudiredja, Wibisana, Rintis and Partners January - MEc, CPA

(member of Pricewaterhouse Cooper) Desember M. Jusuf Wibisana,
2017 2017 1,500,000,000 AP. 0222
Tanudiredja, Wibisana, Rintis and Partners January - MEc, CPA
Tanudiredja, Wibisana, dan Rekan Januari –

(member of Pricewaterhouse Cooper) Desember Lucy Luciana
2016 2016 1,421,238,000 AP. 0229
Tanudiredja, Wibisana, and Partners January - Suhenda
Tanudiredja, Wibisana, dan Rekan Januari –

(member of Pricewaterhouse Cooper) Desember Lucy Luciana
2015 2015 808,600,000 AP. 0229
Tanudiredja, Wibisana, and Partners January - Suhenda
Jasa Lain yang Diberikan Akuntan Publik Other Services Provided by Public
Accountant
Pada tahun 2019, selain audit laporan keuangan Bank, kantor In 2019, in addition to auditing the Bank's financial statements,
akuntan publik dan akuntan publik juga memberikan jasa the public accountant firm and public accountant also provided
penyusunan Comfort Letter dan peninjauan ulang informasi Comfort Letter drafting and financial information review
keuangan, serta audit kepatuhan dan dalam rangka Penawaran services, as well as compliance audit and in the framework
Umum Obligasi Berkelanjutan I Bank Victoria Tahap I Tahun of Public Offering of Bank Victoria Continuous Bond I Phase I
2019 dengan tingkat bunga tetap dan Obligasi Subordinasi Year 2019 at fixed interest rates and Bank Victoria I Continuous
Berkelanjutan I Bank Victoria I Tahun 2019 dengan tingkat bunga Subordinated Bond I Year 2019 at a fixed interest rate with a total
tetap dengan total biaya Rp1.550.000.000,-. cost of Rp1,550,000,000.
Koordinasi Akuntan Publik dengan Coordination between Public Accountant

Auditor Internal dan Komite Audit and Internal Auditor and Audit Committee
Dalam menjalankan tugasnya, akuntan publik melakukan In carrying out its duties, the public accountant communicates
komunikasi secara intensif dengan auditor internal dan Komite intensively with the internal auditor and the Audit Committee.
Audit. Dalam hal terjadi perbedaan pendapat antara akuntan In the event of any dissenting opinion between the public
publik dengan auditor internal, maka Komite Audit dapat accountant and the internal auditor, the Audit Committee may
memberikan saran, rekomendasi, dan pendapat yang bersifat provide independent advice, recommendation, and opinion on
independen terkait permasalahan yang dihadapi. the issues at hand.


// Internal Control System
Sistem pengendalian internal yang efektif merupakan salah satu An effective internal control system is one of the important
komponen penting dalam manajemen Bank dan menjadi dasar bagi components of the Bank’s management and serves as a basis for
kegiatan operasional Bank yang sehat dan aman. Implementasi the Bank’s sound and safe operational activities. Implementation
pengendalian internal yang baik dan efektif bertujuan untuk of effective and good internal control aims to ensure the
menjamin tersedianya pelaporan keuangan dan manajerial yang availability of reliable financial and managerial reporting, to
dapat dipercaya, meningkatkan kepatuhan Bank terhadap peraturan improve the Bank’s compliance with the laws and regulations,
perundang-undangan, serta mengurangi risiko terjadinya kerugian, and to reduce the risk of losses, deviations, and violations of
penyimpangan, dan pelanggaran aspek kehati-hatian. prudential aspects.
Ruang Lingkup Pengendalian Internal Scope of Internal Control

Bank Victoria mengimplementasikan sistem pengendalian Bank Victoria implements internal control system in accordance
internal sesuai Surat Edaran Otoritas Jasa Keuangan No. 35/ with the Circular Letter of Financial Services Authority No. 35/
SEOJK.03/2017 tentang Pedoman Standar Sistem Pengendalian SEOJK.03/2017 on Guidelines for Standards of Internal Control
Internal bagi Bank Umum. Sesuai dengan peraturan tersebut, System for Commercial Banks. In accordance with the regulation,
implementasi pengendalian internal yang handal dan efektif di the implementation of reliable and effective internal controls in
Bank menjadi tanggung jawab semua pihak yang terlibat dalam the Bank must be the responsibility of all parties involved in the
organisasi Bank. Pihak-pihak tersebut meliputi: Bank’s organization. Such parties include:
Bertanggung jawab dalam menciptakan dan memelihara In charge of creating and maintaining effective internal
pengendalian internal yang efektif, serta memastikan bahwa controls, and ensuring that the system runs safely and reliably
sistem tersebut berjalan secara aman dan andal sesuai in accordance with the internal control objectives specified
dengan tujuan pengendalian internal yang telah ditetapkan by the Bank. In this regard, in particular, the Director of
oleh Bank. Terkait hal ini, secara khusus, Direktur Kepatuhan Compliance and Risk Management plays an active role in
dan Manajemen Risiko berperan aktif dalam mencegah preventing any irregularities committed by the management
adanya penyimpangan yang dilakukan oleh manajemen dalam in establishing prudential policies.
menetapkan kebijakan berkaitan dengan prinsip kehati–hatian.

Bertanggung jawab dalam melakukan pengawasan terhadap In charge of supervising the implementation of internal
pelaksanaan pengendalian internal secara umum, termasuk controls in general, including the Board of Directors’ policies
kebijakan Direksi yang menetapkan pengendalian internal in establishing such internal control.
tersebut.
3. Audit Internal/Integrated and Anti Fraud 3. Audit Internal/Integrated and Anti Fraud
Bertanggung jawab dalam mengevaluasi dan berperan aktif In charge of evaluating and taking an active role in improving
dalam meningkatkan efektivitas pengendalian internal secara the effectiveness of internal control on an ongoing basis, in
berkesinambungan, berkaitan dengan pelaksanaan operasional relation to the implementation of the Bank’s operations that
Bank yang berpotensi menimbulkan kerugian dalam pencapaian may potentially incur losses in achieving the targets specified
sasaran yang telah ditetapkan oleh manajemen. Terkait hal by the management. In this regard, the Bank has always made
ini, Bank senantiasa memastikan agar jalur pelaporan telah sure that the reporting channels are adequate and that
memadai dan auditor internal telah memiliki keahlian, khususnya internal auditors have expertise, particularly regarding the
terkait praktik dan penerapan penilaian risiko. practice and application of risk assessments.
4. Pejabat Eksekutif dan Karyawan 4. Executive Officers and Employees

Bertanggung jawab dalam memahami dan melaksanakan In charge of understanding and implementing internal
pengendalian internal yang telah ditetapkan oleh manajemen controls established by the Bank’s management. Through
Bank. Melalui pengendalian internal yang efektif, tanggung effective internal control, the responsibilities of the Executive
jawab Pejabat Eksekutif dan karyawan Bank akan meningkat, Officers and Bank employees will improve and promote an
mendorong budaya risiko (risk culture) yang memadai, adequate risk culture, as well as accelerate the process of
serta mempercepat proses identifikasi terhadap praktik identifying unhealthy banking practices and organization
perbankan yang tidak sehat dan terhadap organisasi melalui through an efficient early-detection system.
sistem deteksi dini yang efisien.

5. Pihak Eksternal 5. External Parties

Antara lain meliputi Otoritas Jasa Keuangan, auditor Among others include the Financial Services Authority,
eksternal, dan nasabah Bank yang berkepentingan terhadap external auditors, and Bank customers that have an interest in
terlaksananya pengendalian internal yang andal dan efektif. the implementation of reliable and effective internal controls.
Secara khusus, Direksi dan Dewan Komisaris berperan dalam In particular, the Board of Directors and Board of Commissioners
menjaga komitmen, perilaku, kepedulian, serta langkah yang are in charge of maintaining appropriate commitments,
tepat dalam mengimplementasikan pengendalian internal dalam behaviors, concerns, and steps in implementing internal controls
seluruh kegiatan operasional Bank. Oleh karena itu, Direksi dan in the Bank’s operational activities. Thus, the Board of Directors
Dewan Komisaris telah menetapkan unsur-unsur lingkungan and Board of Commissioners have established elements of
pengendalian yang meliputi: controlled environment which include:
1. Struktur organisasi yang memadai; 1. Sufficient organizational structure;
2. Gaya kepemimpinan dan filosofi manajemen Bank; 2. Bank’s leadership style and management philosophy;
3. Integritas dan nilai-nilai etika, serta kompetensi seluruh 3. Integrity and ethical values, as well as the competence of all
karyawan; employees;
4. Kebijakan dan prosedur human capital Bank; 4. Bank’s human capital policies and procedures;
5. Atensi dan arahan manajemen Bank dan Komite lainnya, 5. Attention and direction of the Bank’s management and other
seperti Komite Pemantau Risiko; serta Committees, such as Risk Monitoring Committee; and
6. Faktor-faktor eksternal yang memengaruhi operasional Bank 6. External factors affecting the Bank’s operations and the risk
dan penerapan manajemen risiko. management implementation.
Dalam menetapkan unsur-unsur lingkungan pengendalian dan In determining the elements of the controlled environment and
mengimplementasikan pengendalian internal yang efektif, Bank implementing effective internal controls, the Bank considers
mempertimbangkan beberapa faktor, antara lain: several factors, including:
1. Total aset; 1. Total Assets;
2. Jenis produk dan aktivitas yang ditawarkan, termasuk produk 2. The types of products and activities offered, including new
dan aktivitas baru; products and activities;
3. Kompleksitas operasional, termasuk jaringan kantor; 3. Operational complexities, including office network;
4. Profil risiko dari setiap kegiatan usaha; 4. The risk profile of each business activity;
5. Metode yang digunakan untuk pengolahan data dan 5. Methods used for data and information technology
teknologi informasi, serta metodologi yang diterapkan untuk processing, as well as methodologies applied for risk
pengukuran, pemantauan, dan pembatasan (limit) risiko; dan measurement, monitoring, and limitations; and
6. Ketentuan dan peraturan perundang-undangan. 6. Provisions and laws and regulations.
Kesesuaian Pengendalian Internal dengan Conformity of Internal Control and COSO

Kerangka COSO Framework
Implementasi pengendalian Internal yang dilakukan oleh The implementation of Internal Controls conducted by Bank
Bank Victoria telah sesuai dengan Internal Control Integrated Victoria has been in line with the Internal Control Integrated
Framework yang dikembangkan oleh The Committee of Sponsoring Framework developed by The Committee of Sponsoring
Organization of the Treadway Commission (COSO) di tahun 2013. Organizations of the Treadway Commission (COSO) in 2013.
Kesesuaian pengendalian internal Bank Victoria dengan kerangka The conformity of Bank Victoria’s internal controls with COSO’s
pengendalian internal menurut COSO khususnya terkait aspek internal control framework is particularly related to the following
utama berikut: key aspects:
1. Tujuan pengendalian internal, yakni meliputi: 1. The purpose of internal control, which includes:
a. Tujuan operasional, berkaitan dengan peningkatan a. Operational objectives, relating to the effectiveness of
efektivitas efisiensi operasi terhadap penggunaan aset operation efficiencies aimed to increase the effectiveness
dan sumber daya lainnya dalam rangka melindungi Bank and efficiency of the use of assets and other resources in
dari risiko kerugian; order to protect the Bank from the risk of loss;

b. Tujuan pelaporan, berkaitan dengan kepentingan b. The objectives of reporting, relating to the interests of
pelaporan keuangan yang memenuhi kriteria andal, tepat financial reporting that satisfies the criteria of reliable,
waktu, transparan dan persyaratan lain yang ditetapkan timely, transparent, and other requirements stipulated by
oleh regulator maupun Bank; the regulator and Bank;
c. Tujuan kepatuhan, berkaitan dengan kepatuhan Bank c. The objectives of compliance, in relation to the Bank’s
terhadap hukum dan peraturan perundang-undangan compliance with the applicable laws and regulations.
yang berlaku.
2. Unsur-unsur pengendalian internal, meliputi komponen- 2. Internal control elements, including the following
komponen: components:
a. Lingkungan pengendalian, merupakan cerminan dari a. The controlled environment is a reflection of the Bank’s
keseluruhan komitmen, perilaku, kepedulian, serta overall commitment, behavior, concern, and steps of the
langkah-langkah Dewan Komisaris dan Direksi Bank dalam Bank’s Board of Commissioners and Board of Directors in
melaksanakan kegiatan pengendalian operasional Bank; implementing the Bank’s operational control activities;
b. Penilaian risiko, merupakan serangkaian tindakan yang b. Risk assessment is a series of actions performed by the
dilaksanakan oleh Direksi dalam rangka identifikasi, Board of Directors to identify, analyze, and assess the
analisis dan menilai risiko yang dihadapi Bank dalam risks faced by the Bank in achieving the targets specified;
rangka pencapaian target yang ditetapkan;
c. Kegiatan pengendalian, meliputi penetapan kebijakan, c. Controlled activities, including the establishment of
prosedur dan praktik pengendalian, serta proses policies, procedures, and control practices, and early
verifikasi lebih dini untuk memastikan bahwa kebijakan verification process to ensure that such policies and
dan prosedur tersebut secara konsisten dipatuhi, serta procedures are consistently adhered to and constituted
merupakan kegiatan yang tidak terpisahkan dari setiap as an inseparable part from the Bank’s daily functions or
fungsi atau kegiatan Bank sehari-hari; activities;
d. Ketersediaan informasi internal dan saluran komunikasi d. The availability of internal information and effective
yang efektif yang diperlukan dalam pengambilan communication channels required for appropriate and
keputusan yang tepat dan dapat dipertanggungjawabkan, accountable decision making, and to make the Bank’s
serta agar seluruh pejabat dan karyawan Bank officers and employees fully understand and comply with
sepenuhnya memahami dan mematuhi kebijakan dan the applicable policies and procedures in carrying out
prosedur yang berlaku dalam melaksanakan tugas dan their duties and responsibilities; and
tanggung jawabnya; dan
e. Kegiatan pemonitoran, merupakan proses penilaian/ e. Monitoring activity is a process of assessment/evaluation of
evaluasi atas aktivitas pemantauan efektifitas rancangan the monitoring activities of the effectiveness of the design and
dan operasi struktur pengendalian internal dan kinerja operation of the internal control structure and management
manajemen dengan memastikan bahwa pelaksanaannya performance by ensuring that its implementation has been
telah diperbaiki sesuai dengan keadaannya. improved according to its condition.
Komponen Pengendalian Internal Component of Internal Control

Pengendalian internal Bank terdiri dari 5 (lima) komponen yang The Bank’s internal control consists of 5 (five) interrelated
saling berkaitan yang diuraikan sebagai berikut. components described as follows.
Pengawasan oleh Manajemen dan Management Supervision and Control Culture

Budaya Pengendalian
Direksi dan Dewan Komisaris Bank meyakini bahwa kinerja yang The Board of Directors and Board of Commissioners believe that
baik dan peningkatan nilai perusahaan hanya dapat dicapai melalui good performance and corporate value improvement can only
penerapan tata kelola perusahaan secara baik dan benar. Hal ini be achieved through the implementation of good and proper
antara lain diimplementasikan melalui pelaksanaan tanggung corporate governance. This is implemented, among others,
jawab oleh Direksi dan Dewan Komisaris dalam pengendalian through the responsibilities of the Board of Directors and Board
internal yang diuraikan sebagai berikut. of Commissioners in internal controls as described below.
1. Direksi 1. Directors
Memiliki tanggung jawab untuk: Have responsibilities to:
a. Melaksanakan kebijakan dan strategi yang telah disetujui a. Implement policies and strategies approved by the Board
oleh Dewan Komisaris; of Commissioners;
b. Mengembangkan prosedur untuk mengidentifikasi, b. Develop procedures for identifying, measuring,
mengukur, memantau, dan mengendalikan risiko yang monitoring, and controlling risks faced by the Bank;
dihadapi Bank;
c. Memelihara suatu struktur organisasi yang mencerminkan c. Maintain an organizational structure that reflects clear
kewenangan, tanggung jawab, dan hubungan pelaporan authority, responsibility, and reporting relationships;
yang jelas;

d. Memastikan bahwa pendelegasian wewenang d. Ensure that effective power delegation is supported by
berjalan secara efektif yang didukung oleh penerapan the application of consistent accountability;
akuntabilitas yang konsisten;
e. Menetapkan kebijakan, strategi, serta prosedur e. Establish policies and strategies, as well as internal
pengendalian internal; dan control procedures; and
f. Memantau kecukupan dan efektivitas dari SPI. f. Monitor the adequacy and effectiveness of the SPI.
Memiliki tanggung jawab untuk: Has responsibilities to:
a. Mengesahkan dan mengkaji ulang secara berkala terhadap a. Regulate and review regularly the Bank’s overall business
kebijakan dan strategi usaha Bank secara keseluruhan; policies and strategies;
b. Memahami risiko utama yang dihadapi Bank, menetapkan b. Understand the main risks faced by the Bank, establish
tingkat toleransi risiko, dan memastikan bahwa Direksi the level of risk tolerance, and ensure that the Board of
telah melakukan langkah-langkah yang diperlukan Directors have taken the necessary steps to identify,
untuk mengidentifikasi, mengukur, memantau, dan measure, monitor, and control those risks;
mengendalikan risiko tersebut;
c. Mengesahkan struktur organisasi; dan c. Approve the organizational structure; and
d. Memastikan bahwa Direksi telah memantau efektivitas d. Ensure that the Board of Directors have monitored the
pelaksanaan SPI. effectiveness of SPI implementation.
Dalam melaksanakan tanggung jawab tersebut, Direksi dan Dewan In carrying out these responsibilities, the Board of Directors and
Komisaris mengemban tanggung jawab dalam meningkatkan Board of Commissioners take the responsibility to improve work
etika kerja dan integritas yang tinggi dalam menciptakan budaya ethics and high integrity in creating an organizational culture that
organisasi yang menekankan kepada seluruh karyawan mengenai emphasizes the importance of internal controls applicable to the
pentingnya pengendalian internal yang berlaku di Bank. Hal ini Bank to all employees. This is done, among others, through the
antara lain dilakukan melalui penerapan: implementation of:
1. Direksi dan Dewan Komisaris, sebagai panutan seluruh 1. The Board of Directors and Board of Commissioners, as role
karyawan, memiliki komitmen pribadi yang tinggi terhadap models of all employees, have high personal commitment to
pengembangan Bank yang sehat; the development of a sound Bank;
2. Direksi dan Dewan Komisaris mengelola human capital, 2. The Board of Directors and Board of Commissioners manage
termasuk dalam proses penempatan karyawan yang sesuai human capital, including the process of employee placement
dengan keterampilan, pengetahuan, dan perilaku; dan in accordance with their skills, knowledge, and behavior; and
3. Direksi dan Dewan Komisaris meningkatkan kesadaran bagi 3. The Board of Directors and Board of Commissioners
seluruh karyawan Bank mengenai pentingnya efektivitas raise awareness for all of the Bank’s employees on the
pelaksanaan tugas serta tanggung jawab masing-masing, importance of the effectiveness of their respective duties
dan selanjutnya karyawan mengomunikasikan kepada pihak and responsibilities, and the employees communicate to the
manajemen yang terkait mengenai setiap permasalahan yang relevant management regarding any problems occurring in
terjadi dalam kegiatan operasional Bank. the Bank’s operational activities.
Guna mendukung efisiensi penerapan budaya pengendalian, In order to support the efficiency of implementing controlled
maka seluruh kebijakan, standar, dan prosedur operasional culture, all policies, standards, and operational procedures
didokumentasikan secara tertulis dan tersedia bagi setiap are documented in writing and made available to each related
karyawan yang terkait. Selain itu, dalam rangka memperkuat employee. In addition, in order to strengthen ethical values, the
nilai-nilai etika, Bank mengelola dan menghindari kebijakan dan Bank manages and avoids policies and practices that may lead
praktik yang dapat mengakibatkan dorongan atau menciptakan to endorsement or create opportunities for any irregularities or
peluang untuk melakukan penyimpangan atau pelanggaran. offenses.
Identifikasi dan Penilaian Risiko Risk Identification and Measurement

Penilaian risiko merupakan serangkaian tindakan yang Risk assessment is a series of actions performed by the Board of
dilaksanakan oleh Direksi dalam mengidentifikasi, menganalisis, Directors in identifying, analyzing, and assessing the risks faced
dan menilai risiko yang dihadapi Bank dalam mencapai target yang by the Bank in achieving the targets specified. In this case, Bank
ditetapkan. Dalam hal ini, Bank Victoria melakukan pemantauan Victoria conducts continuous monitoring by identifying all types
secara kontinu dengan mengidentifikasi semua jenis risiko of risks faced by the Bank, both individual and aggregate risks,
yang dihadapi oleh Bank, baik risiko individual maupun secara and establishing such risk limits and control techniques assisted
keseluruhan, serta menetapkan limit dan teknik pengendalian by the internal auditor for wider audit coverage. In the event of
risiko tersebut dengan dibantu oleh auditor internal sehingga any risks that have not been controlled, the Bank will review the
cakupan audit dapat dilakukan lebih luas. Dalam hal terdapat internal control appropriately.
risiko yang belum belum dikendalikan, maka Bank akan mengkaji
ulang pengendalian internal secara tepat.

Adapun risiko yang dapat timbul atau berubah sesuai dengan The risks that may arise or change in accordance with the
kondisi Bank, antara lain terkait: conditions of the Bank, among others:
1. Perubahan kegiatan operasional Bank; 1. Change of the Bank’s operations;
2. Perubahan susunan personalia; 2. Change of personnel structure;
3. Perubahan sistem informasi; 3. Change of information system;
4. Pertumbuhan yang cepat pada kegiatan usaha tertentu; 4. Rapid growth in certain business activities;
5. Perkembangan teknologi; 5. Technological development;
6. Pengembangan jasa, produk atau aktivitas baru; 6. Development of new services, products, or activities;
7. Terjadinya penggabungan usaha, peleburan usaha, 7. Business merger, amalgamation, acquisition, and
pengambilalihan, dan restrukturisasi Bank; restructuring of the Bank;
8. Perubahan dalam sistem akuntansi; 8. Change in the accounting system;
9. Ekspansi usaha; 9. Business expansion;
10. Perubahan hukum dan peraturan; dan 10. Change to laws and regulations; and
11. Perubahan perilaku serta ekspektasi nasabah. 11. Change in customer’s behavior and expectation.
Kegiatan Pengendalian Internal dan Activities of Internal Control and

Pemisahan Fungsi Separation of Functions
Kegiatan pengendalian internal yang melibatkan seluruh pihak Internal control activities involving all internal parties will be
internal akan berjalan efektif apabila direncanakan dan dilakukan effective if the implementation is planned and monitored. These
pemantauan dalam penerapannya. Kegiatan pengendalian ini control activities include policies, procedures, and practices
meliputi kebijakan, prosedur, dan praktik yang memberikan that provide assurance to the Bank’s officials and employees that
keyakinan kepada pejabat dan karyawan Bank bahwa arahan direction from the Bank’s Directors and Board of Commissioners
Direksi dan Dewan Komisaris Bank telah dilaksanakan secara has been effectively implemented. These activities have been
efektif. Kegiatan tersebut telah diterapkan oleh Bank Victoria implemented by Bank Victoria at all functional levels in accordance
pada semua tingkatan fungsional sesuai dengan struktur with the Bank’s organizational structure and described as follows.
organisasi Bank dan dijelaskan sebagai berikut.
1. Kaji Ulang Manajemen 1. Management Review
Kegiatan pengendalian internal melalui Direksi, selaku top level Internal control activities through the Board of Directors, as
management, dilakukan dengan mengadakan rapat secara top level management, are conducted by regular meeting with
berkala bersama Dewan Komisaris dan Audit Internal/Integrated the Board of Commissioners and Internal Audit/Integrated
and Anti Fraud. Rapat tersebut diantaranya membahas mengenai and Anti Fraud. Such meetings include discussing the Audit
Laporan Hasil Pemeriksaan Audit yang dilakukan oleh auditor Result Report conducted by the internal auditor to enable
internal sehingga memungkinkan bagi Direksi untuk melakukan the Board of Directors to conduct a review of the results of
kaji ulang atas hasil pemeriksaan audit rutin maupun khusus. routine and special audit checks.
2. Kaji Ulang Kinerja Operasional 2. Operational Performance Review
Sebagai bentuk kaji ulang atas kinerja operasional Bank, maka As a review of the Bank’s operational performance, the
Audit Internal/Integrated and Anti Fraud secara rutin mengadakan Internal/Integrated and Anti-Fraud Audit Committee regularly
pertemuan/rapat dengan Komite-Komite di bawah Direksi, conducts meetings with the Committees under the Board
seperti ALCO, Komite Manajemen Risiko Terintegrasi, serta of Directors, such as ALCO, Integrated Risk Management
Komite Pemantau dan Pelaksanaan GCG, guna memastikan Committee, and GCG Monitoring and Implementation
pengendalian internal telah berjalan pada level operasional Bank. Committee, to ensure internal control has been running at the
Bank’s operational level.
3. Pengendalian Sistem Informasi 3. Information System Control
Bank menerapkan pengendalian internal atas sistem informasi The Bank implements internal control over information
dan teknologi dengan melaksanakan verifikasi terhadap and technology system by verify transaction accuracy and
akurasi dan kelengkapan dari transaksi, serta melaksanakan completeness, and perform the authorization procedures in
prosedur otorisasi sesuai dengan ketentuan internal Bank. accordance with the Bank’s internal regulations. This is done
Hal tersebut dilakukan melalui kegiatan audit rutin pada Divisi through routine audit activities in Information Technology
Information Technology serta Divisi Business Analytic and MIS. Division as well as Business Analytic and MIS Division.
4. Pengendalian Aset Fisik 4. Control of Physical Assets
Pengendalian atas aset fisik dilaksanakan untuk menjamin Physical asset control is performed to ensure physical security
terselenggaranya pengamanan fisik terhadap aset yang of the Bank’s assets. In this regard, the Bank periodically
dimiliki oleh Bank. Terkait hal ini, Bank secara periodik conducts annual audits to Human Capital Management and
mengadakan audit tahunan kepada Divisi Human Capital General Affair Division.
Management and General Affair.

5. Dokumentasi 5. Documentation
Dokumentasi atas kegiatan pengendalian internal dilakukan Documentation of internal control activities is done through
melalui formalisasi dan pendokumentasian seluruh kebijakan, the formalization and documentation of all accounting
prosedur, sistem dan standar akuntansi, serta proses audit policies, procedures, systems, and standards, as well as
dengan memadai. Beberapa bentuk dokumentasi tersebut audit process sufficiently. Some forms of documentation
diantaranya penerbitan Surat Keputusan Direksi No. 015/SK- include the issuance of Board of Directors’ Decree No. 015/
DIR/07/14 tanggal 14 Juli 2014 tentang Kebijakan dan Prosedur SKDIR/07/14 dated 14 July 2014 on Corporate Affairs Policy
Corporate Affair, serta Surat Edaran Direksi No. 005/SE- and Procedures, and Board of Directors’ Circular Letter No.
DIR/11/15 tanggal 27 November 2015 tentang Sistem File Kredit. 005/SEDIR/11/15 dated 27 November 2015 on File Credit
Bank Victoria juga melakukan pembaruan secara berkala System. Bank Victoria also makes regular updates to the
terhadap kebijakan maupun SOP yang berlaku saat ini sehingga existing policies and SOP to accommodate and reflect the
dapat mengakomodir dan menggambarkan kebutuhan Bank Bank’s actual needs. Updates on policies and SOP are always
secara aktual. Pembaruan terkait kebijakan maupun SOP selalu informed to all of the Bank’s officials and employees.
diinformasikan kepada pejabat dan seluruh karyawan Bank.
Dalam melaksanakan kegiatan pengendalian internal, Bank In implementing the internal control activities, Bank Victoria
Victoria menerapkan prinsip pemisahan fungsi yang diharapkan applies the principle of separation of functions that is expected
dapat mencapai sistem pengendalian internal yang efektif, serta to achieve an effective internal control system, and aims to
bertujuan agar setiap orang dalam jabatannya tidak memiliki make everyone in their position to not have the opportunity to
peluang untuk melakukan kesalahan atau penyimpangan make mistakes or deviations in executing their duties at every
dalam pelaksanaan tugas di setiap level organisasi. Penerapan organizational level. The implementation of the separation of
pemisahan fungsi tersebut salah satunya terwujud dalam Surat functions is manifested in the Board of Directors’ Decree No. 004/
Keputusan Direksi No. 004/SKDIR/07/13 tanggal 11 Juli 2013 SKDIR/07/13 dated 11 July 2013 on the Delegation of Expenditure
tentang Pendelegasian Wewenang Pengeluaran Biaya PT Bank Authority of PT Bank Victoria International Tbk.
Victoria International Tbk.
Sistem Akuntansi, Informasi, dan Komunikasi Accounting, Information, and Communication

Systems
Sistem akuntansi, informasi, dan komunikasi yang optimal dilakukan An optimal accounting, information, and communication system
agar Bank dapat mengidentifikasi masalah yang mungkin timbul dan is established to enable the Bank to identify problems that may
sebagai sarana tukar menukar informasi dalam melaksanakan tugas arise and as a means of exchanging information in carrying out
sesuai dengan tanggung jawab masing-masing. Sistem akuntansi its tasks in accordance with its respective responsibilities. The
Bank terdiri dari metode dan catatan dalam rangka mengidentifikasi, Bank’s accounting system consists of methods and records to
mengelompokkan, menganalisis, mengklasifikasi, mencatat/ identify, classify, analyze, classify, record, and report transactions
membukukan, dan melaporkan transaksi yang terjadi pada Bank, with the the Bank, in accordance with the applicable accounting
sesuai dengan standar akuntansi yang berlaku di Indonesia. Sistem standards in Indonesia. The Bank’s information system is properly
informasi Bank dikelola secara tepat dan dimutakhirkan secara managed and updated periodically in order to produce accurate
berkala agar dapat menghasilkan laporan yang akurat dan tepat and timely reports on business activities, financial conditions,
waktu mengenai kegiatan usaha, kondisi keuangan, penerapan risk management implementation, and compliance with the
manajemen risiko, dan pemenuhan ketentuan yang mendukung provisions that support the implementation of the Bank’s Board of
pelaksanaan tugas Dewan Komisaris dan Direksi Bank. Pengelolaan Commissioners and Board of Directors duties. The management
sistem informasi termasuk pada pengorganisasian rencana of information system includes organizing contingency recovery
pemulihan darurat (contingency recovery plan) dan sistem rekam plans and back up systems to prevent high risk business failures.
cadang (back up) untuk mencegah kegagalan usaha yang berisiko Meanwhile, the communication system is managed to provide
tinggi. Sedangkan, sistem komunikasi dikelola agar mampu timely information to all parties, both internal and external,
memberikan informasi secara tepat waktu kepada seluruh pihak, such as the Financial Services Authority, external auditors,
baik internal maupun eksternal, seperti Otoritas Jasa Keuangan, Shareholders, and Bank’s customers.
auditor eksternal, Pemegang Saham, dan nasabah Bank.
Kegiatan Pemantauan dan Tindakan Koreksi Monitoring Activities and Corrective Actions
Penyimpangan
Pengendalian internal yang efektif memerlukan tindakan Effective internal control requires monitoring and corrective
pemantauan dan koreksi penyimpangan terhadap efektivitas actions against the effectiveness of all internal control
seluruh pelaksanaan pengendalian internal. Terkait hal ini, Bank implementation. In this regard, the Bank monitors primary risks,
melakukan pemantauan terhadap risiko utama yang diprioritaskan, including periodic evaluations, by either Operating Unit as risk
termasuk evaluasi secara berkala, baik oleh masing-masing Unit taking unit or by Internal Audit/Integrated and Anti Fraud. To
Kerja Operasional sebagai risk taking unit maupun oleh Audit monitor and conduct corrective actions, the internal auditor has
Internal/Integrated and Anti Fraud. Dalam upaya memantau dan conducted operational and financial auditing activities in the
melakukan tindakan koreksi penyimpangan, auditor internal telah Bank’s offices, including credit, third party funds (DPK), APU and

melakukan kegiatan pemeriksaan operasional dan keuangan PPT implementation, know your customer (KYC) implementation,
di kantor-kantor Bank, meliputi perkreditan, dana pihak ketiga teller and cash, security, service excellence, financial statements,
(DPK), penerapan APU dan PPT, penerapan know your customer building and inventory, and others. Any weaknesses in internal
(KYC), teller dan uang tunai, security, service excellence, laporan control, whether identified by risk taking units, internal auditors,
keuangan, gedung dan inventaris, serta lain-lain. Terhadap setiap or other parties, must be immediately reported to the authorized
kelemahan dalam pengendalian internal, baik yang diidentifikasi officers and/or Directors to be concerned and to take corrective
oleh risk taking unit, auditor internal, ataupun pihak lainnya, actions.
akan segera dilaporkan kepada pejabat dan/atau Direksi yang
berwenang untuk diperhatikan dan dilakukan tindakan koreksi.
Evaluasi Efektivitas Sistem Pengendalian Evaluation on Effectiveness of Internal

Internal 2019 Control System 2019
Bank Victoria senantiasa melakukan review terhadap efektivitas Bank Victoria constantly evaluates the effectiveness of internal
sistem pengendalian internal, khususnya melalui Audit Internal/ control systems, particularly through Internal Audit/Integrated
Integrated and Anti Fraud. Hasil pengkajian ulang dikomunikasikan and Anti Fraud. Evaluation results are communicated to the Board
dengan Direksi dan dilaporkan kepada Dewan Komisaris melalui of Directors and reported to the Board of Commissioners through
Komite Audit agar diperoleh usulan perbaikan guna mencapai the Audit Committee in order to obtain continuous improvement
peningkatan yang berkelanjutan dari proses lini bisnis yang ada. of the existing business line process.
Pada tahun 2019, guna meningkatkan efektivitas sistem In 2019, in order to improve the effectiveness of internal control
pengendalian internal, Bank telah melaksanakan langkah-langkah system, the Bank implemented follow-up measures on the
tindak lanjut atas laporan yang diterima terkait dengan kecukupan report received related to the adequacy of internal control to
pengendalian internal untuk memitigasi risiko. Bank telah mematuhi minimize risks. The bank has complied with internal and external
kebijakan internal dan peraturan eksternal, serta mengidentifikasi regulations and identified current risks so that they can be timely
risiko yang ada untuk dikelola secara tepat waktu dan proaktif. and pro-actively managed.
Fungsi Kepatuhan
// Compliance Function
Seiring dengan perkembangan kompleksitas kegiatan usaha In line with the complexity of the Bank’s business activities, the
Bank, maka eksposur risiko yang dihadapi Bank juga semakin Bank’s risk exposure is also getting bigger. In order to mitigate
besar. Untuk memitigasi risiko-risiko dari kegiatan usaha Bank, the risks of the Bank’s business activities, various preventive
dilakukan berbagai upaya preventif dengan melaksanakan measures are performed by implementing and improving the
dan meningkatkan peran dan fungsi kepatuhan sesuai dengan role and function of compliance function in accordance with
Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2017 tentang Financial Services Authority Regulation No. 46/POJK.03/2017 on
Pelaksanaan Fungsi Kepatuhan Bank Umum. Implementation of Compliance Function of Commercial Bank.
Fungsi kepatuhan yang dijalankan Bank meliputi tindakan untuk: The compliance function implemented by the Bank includes
action to:
1. Mewujudkan terlaksananya budaya kepatuhan pada semua 1. Achieve the implementation of compliance culture at every
tingkatan organisasi dan kegiatan usaha Bank; organizational level and business activities of the Bank;
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank; 2. Manage the compliance risk faced by the Bank;
3 Memastikan agar kebijakan, ketentuan, sistem, dan prosedur, 3. Ensure that policies, regulations, systems, and procedures
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai as well as business activities conducted by the Bank are
dengan ketentuan Otoritas Jasa Keuangan serta ketentuan in accordance with provisions of the Financial Services
peraturan perundang-undangan yang berlaku; dan Authority and the applicable laws and regulations; and
4. Memastikan kepatuhan terhadap komitmen yang dibuat oleh 4. Ensure compliance with the commitment made by the Bank
Bank kepada Otoritas Jasa Keuangan dan/atau otoritas lain to the Financial Services Authority and/or other authorized
yang berwenang. authority.

Penanggung Jawab Fungsi Kepatuhan Person in Charge of Compliance Function

Dalam melaksanakan fungsi kepatuhan tersebut, Bank secara In performing such compliance function, the Bank specifically
khusus telah memiliki Direktur Kepatuhan dan Manajemen Risiko hired a Director of Compliance and Risk Management and
serta Divisi Compliance, KYC/Integrated and System Procedure Compliance, KYC/Integrated and System Procedure Division
yang berfokus dan bertanggung jawab pada pelaksanaan that focus on and are in charge of the implementation of the
fungsi kepatuhan di Bank. Pelaksanaan fungsi kepatuhan juga Bank’s compliance function. The implementation of compliance
mendapatkan pengawasan aktif Dewan Komisaris. Adapun tugas functions are also under active supervision of the Board of
dan tanggung jawab masing-masing pihak tersebut dijelaksan Commissioners. Duties and responsibilities of each party are

Dalam melakukan pengawasan aktif terhadap fungsi kepatuhan, In performing active supervision to the compliance
Dewan Komisaris memiliki tugas dan tanggung jawab untuk: function, the Board of Commissioners has the duties and
responsibilities to:
a. Mengevaluasi pelaksanaan fungsi kepatuhan Bank paling a. Evaluate the implementation of the Bank’s compliance
sedikit 2 (dua) kali dalam setahun; dan function at least 2 (twice) a year;and
b. Berdasarkan hasil evaluasi pelaksanaan fungsi b. Based on the evaluation of the implementation of the
kepatuhan, Dewan Komisaris menyampaikan saran-saran compliance function, the Board of Commissioners
dalam rangka peningkatan kualitas pelaksanaan fungsi provides suggestions to improve the quality of
kepatuhan kepada Direktur Utama dengan tembusan compliance function to the President Director with a
kepada Direktur Kepatuhan dan Manajemen Risiko. copy to the Compliance and Risk Management Director.
2. Direktur Kepatuhan dan Manajemen Risiko 2. Director of Compliance and Risk Management
Terkait pelaksanaan fungsi kepatuhan, Direktur Kepatuhan dan Regarding the implementation of compliance function, the
Manajemen Risiko memiliki tugas dan tanggung jawab meliputi: Compliance and Risk Management Director has duties and
responsibilities that include:
a. Merumuskan strategi guna mendorong terciptanya a. Formulating strategies to encourage the growth of the
budaya kepatuhan Bank; Bank’s compliance culture;
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Proposing compliance policies or compliance principles
kepatuhan yang akan ditetapkan oleh Direksi; to be specified by the Board of Directors;
c. Menetapkan sistem dan prosedur kepatuhan yang c. Establishing compliance systems and procedures to
digunakan untuk menyusun ketentuan dan pedoman develop the Bank’s internal rules and guidelines;
internal Bank;
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, d. To ensure that all policies, provisions, systems, and
dan prosedur, serta kegiatan usaha yang dilakukan Bank procedures and business activities conducted by the
telah sesuai dengan ketentuan Otoritas Jasa Keuangan Bank have been in accordance with the provisions of the
dan ketentuan peraturan perundang-undangan, Financial Services Authority and the laws and regulations,
termasuk prinsip syariah bagi Entitas Anak, yakni Bank including sharia principles for the Subsidiary, which is
Victoria Syariah; Bank Victoria Syariah;
e. Meminimalkan risiko kepatuhan Bank; e. Minimizing the Bank’s compliance risk;
f. Melakukan tindakan pencegahan agar kebijakan dan/atau f. Taking precautions so that the policies and/or decisions
keputusan yang diambil Direksi Bank tidak menyimpang taken by the Board of Directors do not deviate from the
dari ketentuan Otoritas Jasa Keuangan dan ketentuan provisions of the Financial Services Authority and the
peraturan perundang-undangan; dan provisions of laws and regulations; and
g. Melakukan tugas lain yang terkait dengan fungsi kepatuhan. g. Performing other tasks associated with the compliance
function.
Terkait dengan pelaksanaan tata kelola terintegrasi, maka Related to the implementation of integrated governance,
Direktur Kepatuhan dan Manajemen Risiko yang telah ditunjuk the Compliance and Risk Management Director who has
sebagai Direktur in Charge dalam Konglomerasi Keuangan Grup been appointed as the Director in Charge in Victoria Group
Victoria dapat merumuskan langkah-langkah strategis dalam Financial Conglomeration can formulate strategic steps
mendukung dan meningkatkan efektifitas penerapan fungsi to support and improve the effectiveness of compliance
kepatuhan, penerapan manajemen risiko, serta penerapan function implementation, risk management implementation,
tata kelola terintegrasi pada Konglomerasi Keuangan Grup and the integrated governance implementation to
Victoria. Pelaporan pelaksanaan tugas dan tanggung jawab Victoria Group Financial Conglomeration. Reporting of
dari fungsi kepatuhan kepada regulator dilakukan oleh Direktur the implementation of duties and responsibilities of the
Kepatuhan dan Manajemen Risiko dengan tembusan kepada compliance function to the regulator is conducted by the
Dewan Komisaris paling kurang setiap triwulan. Compliance and Risk Management Director with copies to the
Board of Commissioners at least quarterly.
3. Divisi Compliance, KYC/Integrated and System Procedure 3. Compliance, KYC/Integrated and System Procedure Division
Divisi Compliance, KYC/Integrated and System Procedure Compliance, KYC/Integrated and System Procedure Divisions
memiliki tugas dan tanggung jawab antara lain: have duties and responsibilities that include:
a. Membuat langkah untuk mendukung terciptanya budaya a. Prepare steps in order to support the creation of a
kepatuhan pada seluruh kegiatan usaha Bank pada setiap compliance culture on all of the Bank’s business activities
jenjang organisasi; at every organizational level;

b. Melakukan identifikasi, pengukuran, pemantauan, b. Identify, measure, monitor,and control the compliance
dan pengendalian terhadap risiko kepatuhan dengan risks by referring to the provisions of the Financial
mengacu pada ketentuan Otoritas Jasa Keuangan; Services Authority;
c. Menilai dan mengevaluasi efektivitas, kecukupan, c. Assess and evaluate the effectiveness, adequacy, and
dan kesesuaian kebijakan, ketentuan, sistem maupun conformity of the Bank’s policies, regulations, systems,
prosedur yang dimiliki oleh Bank dengan ketentuan and procedures against the provisions of laws and
peraturan perundang-undangan; regulations;
d. Melakukan kaji ulang dan/atau merekomendasikan untuk d. Review and/or recommend updates and refinements of
mengkinikan dan menyempurnakan kebijakan, ketentuan, policies, provisions, systems, and procedures owned by
sistem maupun prosedur yang dimiliki oleh Bank agar sesuai the Bank to be in accordance with the provisions of the
dengan ketentuan Otoritas Jasa Keuangan dan ketentuan Financial Services Authority and provisions of laws and
peraturan perundang-undangan, termasuk prinsip syariah regulations, including sharia principles for the Subsidiary,
bagi Entitas Anak, yakni Bank Victoria Syariah; which is Bank Victoria Syariah;
e. Melakukan upaya untuk memastikan bahwa kebijakan, e. Take measures to ensure that the policies, regulations,
ketentuan, sistem dan prosedur, serta kegiatan systems, and procedures, as well as the Bank’s business
usaha Bank telah sesuai dengan ketentuan Otoritas activities to be in accordance with the provisions of the
Jasa Keuangan dan ketentuan peraturan perundang- Financial Services Authority and provisions of laws and
undangan; dan regulations; and
f. Melakukan tugas lain yang terkait dengan fungsi f. Performing other tasks associated with the compliance
kepatuhan. function.
Terkait dengan pelaksanaan tata kelola terintegrasi Related to the implementation of integrated governance in
pada Konglomerasi Keuangan Grup Victoria, maka Divisi Victoria Group Financial Conglomeration, the Compliance,
Compliance, KYC/Integrated and System Procedure memiliki KYC/Integrated and System Procedure Divisions have duties
tugas dan tanggung jawab meliputi: and responsibilities including:
a. Menetapkan langkah-langkah dalam rangka mendukung a. Specifying the measures to support the creation of
terciptanya budaya kepatuhan pada konglomerasi compliance with the financial conglomeration;
keuangan;
b. Mendistribusikan dan mengomunikasikan setiap kebijakan b. Distributing and communicating any integrated new
terbaru terintegrasi dari Bank Indonesia dan Otoritas Jasa policies of Bank Indonesia and the Financial Services
Keuangan, maupun kebijakan eksternal lainnya; Authority, as well as other external policies;
c. Mengomunikasikan dan mengoordinir penyampaian c. Communicating and coordinating the delivery of data/
data/informasi kepada pihak berwenang atau regulator; information to the authorities or regulators;
d. Mengomunikasikan dan mengoordinir dalam proses d. Communicating and coordinating the process of
pembuatan laporan kepada pihak berwenang atau regulator. reporting to the authorities or regulators.
Dalam melaksanakan tugas dan tanggung jawabnya, In conducting its duties and responsibilities, the Compliance,
Divisi Compliance, KYC/Integrated and System Procedure KYC/Integrated and System Procedure Division reports all of
melaporkan seluruh aktivitasnya langsung kepada Direktur its activities directly to the Compliance and Risk Management
Kepatuhan dan Manajemen Risiko, baik secara individu Director, individually or in an integrated manner.
maupun secara terintegrasi.
Struktur Organisasi Fungsi Kepatuhan Organizational Structure of Compliance

Function
Struktur organisasi pelaksana fungsi kepatuhan di Bank Victoria The organizational structure of compliance function at Bank
ditunjukkan sebagai berikut. Victoria is shown as follows.
Director
Division Head
Compliance Integrated KYC System Procedure
Unit Head Unit Head Senior Officer

Senior Officer Officer Senior Officer
Senior Officer Officer
Victoria Insurance
Victoria Manajemen Investasi
Victoria Securities Indonesia
Victoria Alife Indonesia

Tugas dan Tanggung Jawab Fungsi Duties and Responsibilities of Compliance

Kepatuhan Function
Dalam melaksanakan fungsi kepatuhan tersebut, Bank secara In performing such compliance function, the Bank specifically
khusus telah memiliki Direktur Kepatuhan dan Manajemen Risiko hired a Director of Compliance and Risk Management as well as
serta Divisi Compliance, KYC/Integrated and System Procedure Compliance, KYC/Integrated and System Procedure Division
yang berfokus dan bertanggung jawab pada pelaksanaan that focus on and are in charge of the implementation of the
fungsi kepatuhan di Bank. Pelaksanaan fungsi kepatuhan juga Bank’s compliance function. The implementation of compliance
mendapatkan pengawasan aktif dari Dewan Komisaris. Adapun functions is also under active supervision of the Board of
tugas dan tanggung jawab masing-masing pihak tersebut Commissioners. Duties and responsibilities of each party are
dijelaskan sebagai berikut. described as follows.

Dewan Komisaris:
Board of Commissioners:
Mengevaluasi pelaksanaan fungsi kepatuhan Bank paling sedikit 2 (dua) kali a. Laporan Pelaksanaan Fungsi Kepatuhan Semester II 2019 telah
dalam setahun. disampaikan kepada Otoritas Jasa Keuangan melalui Surat Direksi Direksi
Evaluate the implementation of the Bank’s compliance function at least No. 007/SK-DIR/01/20 tanggal 27 Januari 2020 tentang Penyampaian
2 (twice) a year. Laporan Kepatuhan Periode Semester II tahun 2019.
b. Laporan Pelaksanaan Fungsi Kepatuhan Semester I 2019 telah
disampaikan kepada Otoritas Jasa Keuangan melalui Surat Direksi No.
056/SK-DIR/07/19 tanggal 25 Juli 2019 tentang Penyampaian Laporan
Kepatuhan Periode Semester I tahun 2019.
a. The Implementation Report of Compliance Function of the Second
Semester of 2019 has been submitted to the Financial Services Authority
through the Board of Directors’ Letter No. 007/SK-DIR/01/20 dated 27
January 2020 on the Submission of Compliance Report for the Period of
Second Semester of 2019.
b. The Implementation Report of Compliance Function of the First
Semester of 2019 has been submitted to the Financial Services Authority
through Board of Directors’ Letter No. 056/SK-DIR/07/19 dated 25 July
2019 on the Submission of Compliance Report for the Period of First
Semester of 2019.
Berdasarkan hasil evaluasi pelaksanaan fungsi kepatuhan, Dewan Komisaris Dewan Komisaris melakukan evaluasi dan menyampaikan saran berdasarkan
menyampaikan saran-saran dalam rangka peningkatan kualitas pelaksanaan Laporan Semester Kepatuhan.
fungsi kepatuhan kepada Direktur Utama dengan tembusan kepada Direktur
Kepatuhan dan Manajemen Risiko.
Based on the evaluation of the implementation of the compliance function, The Board of Commissioners evaluates and submits suggestions based on
the Board of Commissioners provides suggestions to improve the quality of the Compliance Semester Report.
compliance function to the President Director with a copy to the Compliance
and Risk Management Director.
Direktur Kepatuhan dan Manajemen Risiko:

Director of Compliance and Risk Management;
Merumuskan strategi guna mendorong terciptanya budaya kepatuhan Bank. Dalam rangka mewujudkan budaya kepatuhan, baik terhadap kebijakan
Formulating strategies to encourage the growth of the Bank’s compliance maupun pelaksanaanya, telah dilakukan langkah-langkah sebagai berikut:
culture; a. Memantau secara rutin dan berkesinambungan terhadap kebijakan
baru yang telah dikeluarkan oleh Bank Indonesia dan Otoritas Jasa
Keuangan serta instansi lainnya;
b. Mendistribusikan setiap kebijakan baru dari Bank Indonesia dan
Otoritas Jasa Keuangan maupun kebijakan eksternal lainnya;
c. Mendaftarkan kebijakan baru ke website intranet Bank, yang dapat
diakses oleh seluruh karyawan, sehingga karyawan memiliki awareness
untuk mematuhi peraturan-peraturan tersebut;
d. Membuat resume atau kajian terhadap kebijakan baru, yang selanjutnya
disampaikan kepada seluruh unit kerja dan manajemen;
e. Melakukan sharing informasi dan knowledge pada rapat bulanan yang
dihadiri oleh Direksi, Kepala Divisi, dan kantor cabang;
f. Melakukan pemantauan terhadap kewajiban pelaporan Bank, untuk
memastikan bahwa laporan telah disampaikan tepat pada waktunya;
g. Melakukan pemantauan terhadap Penerapan Program APU & PPT,
khususnya terkait dengan:
• Pelaporan Suspicious Transaction Report (STR);
• Pelaporan Cash Transaction Report (CTR) kepada PPATK dan
lainnya;
• Pelatihan dan sumber daya manusia;
• Pelaksanaan Assessment & Focus Group Discussion (FGD);
• Respons atas surat kepada regulator/instansi lainnya;
• Respons koresponden APU & PPT Bank lain;


• Pemantauan penerapan APU PPT di Kantor Cabang;
• Pemantuan peserta E-Learning APU & PPT;
h. Melakukan kajian terhadap setiap kebijakan dan prosedur internal yang
akan dikeluarkan oleh Divisi; dan
i. Untuk efektivitas penerapannya telah dibuat email ”Compliance_aml”,
sebagai media komunikasi dalam rangka meningkatkan hubungan
antara Divisi Kepatuhan dengan Divisi lainnya di Kantor Pusat serta
Kantor Cabang, baik terkait dengan kebijakan dan prosedur maupun
penerapannya.
To realize the compliance culture, both in regard of the policy and its
implementation, the following steps have been taken:
a. Monitoring regularly and continuously against new policies issued
by Bank Indonesia and Financial Services Authority, as well as other
agencies;
b. Distributing every new policy of Bank Indonesia and Financial Services
Authority, as well as other external policies;
c. Registering the new policies to the Bank's intranet website, which is
accessible by all employees, so that employees have the awareness to
comply with such regulations;
d. Creating a resume or review of the new policies, which are then submitted
to all work units and the Management;
e. Sharing information and knowledge at monthly meetings attended by the
Board of Directors, Division Heads, and Branch Offices;
f. Monitoring the Bank's reporting obligations to ensure that reports are
delivered on time;
g. Monitoring APU-PPT program implementation, particularly related to:
• Suspicious Transaction Report (STR) reporting;
• Cash Transaction Report (CTR) reporting to PPATK and others;
• Training and human resources;
• Implementing Assessment & Focus Group Discussion (FGD);
• Responding to letters to other regulators/agencies;
• Responding to APU & PPT correspondence of other banks;
• Monitoring APU-PPT implementation in Branch Offices;
• Monitoring the participants of APU-PPT E-Learning;
h. Reviewing any internal policies and procedures to be issued by the
Division; and
i. For effective implementation, "Compliance_aml" email has been created
as a communication medium in order to improve the relationship
between the Compliance Division with other Divisions at the Head Office
and Branch Offices, both related to the policies and procedures and their
application.
Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang Direktur Kepatuhan dan Manajemen Risiko telah menyetujui Kebijakan
akan ditetapkan oleh Direksi. Kepatuhan sesuai Surat Keputusan Direksi No. 007/SK-DIR/11/2019 tanggal
Proposing compliance policies or compliance principles to be stipulated by 25 November 2019 tentang Kebijakan Kepatuhan.
the Board of Directors; The Director of Compliance and Risk Management has approved the
Compliance Policy according to the Board of Directors’ Decision Letter No.
007/SK-DIR/11/2019 dated 25 November 2019 on Compliance Policy.
Menetapkan sistem dan prosedur kepatuhan yang digunakan untuk Direktur Kepatuhan dan Manajemen Risiko telah menyusun pedoman Divisi
menyusun ketentuan dan pedoman internal Bank. Compliance, KYC/Integrated and System Procedure.
Establishing compliance systems and procedures to develop the Bank’s The Director of Compliance and Risk Management has compiled guidelines
internal regulations and guidelines. for the Compliance, KYC/Integrated, and System Procedure Divisions.
Memastikan bahwa seluruh kebijakan, ketentuan, sistem, dan prosedur, Direktur Kepatuhan dan Manajemen Risiko telah memastikan seluruh
serta kegiatan usaha yang dilakukan Bank telah sesuai dengan ketentuan kebijakan, ketentuan, sistem, dan prosedur, serta kegiatan usaha yang
Otoritas Jasa Keuangan dan ketentuan peraturan perundang-undangan, dilakukan Bank sesuai dengan peraturan yang berlaku.
termasuk prinsip syariah bagi Entitas Anak, yakni Bank Victoria Syariah. The Director of Compliance and Risk Management has ensured that
Ensuring that all policies, provisions, systems, and procedures and business all policies, provisions, system, and procedures, as well as all business
activities conducted by the Bank have been in accordance with the activities carried out by the Bank are in-line with the applicable regulations.
provisions of the Financial Services Authority and the laws and regulations,
including sharia principles for the Subsidiary, which is Bank Victoria Syariah.
Meminimalkan risiko kepatuhan Bank. Meminimalkan risiko kepatuhan Bank melalui evaluasi yang dilakukan
Minimizing the Bank’s compliance risk. secara berkala melalui rapat-rapat.
Minimizing the Bank’s compliance risks through evaluation performed
periodically through meetings.


Melakukan tindakan pencegahan agar kebijakan dan/atau keputusan yang Direktur Kepatuhan dan Manajemen Risiko telah melakukan pencegahan
diambil Direksi Bank tidak menyimpang dari ketentuan Otoritas Jasa terhadap kebijakan dan/atau keputusan yang diambil Direksi Bank agar
Keuangan dan ketentuan peraturan perundang-undangan. tidak menyimpang dari ketentuan Otoritas Jasa Keuangan dan ketentuan
Taking precautions so that the policies and/or decisions taken by the Board peraturan perundang-undangan melalui kajian dan arahan pada saat rapat.
of Directors do not deviate from the provisions of the Financial Services The Director of Compliance and Risk Management has made prevention on
Authority and the provisions of laws and regulations. policies and/or decisions taken by the Board of Directors of the Bank so that
they do not deviate from the provisions of the Financial Services Authority
and the provisions of laws and regulations through review and direction at
the meeting.
Melakukan tugas lain yang terkait dengan fungsi kepatuhan. Direktur Kepatuhan dan Manajemen Risiko melakukan tugas lainnya.
Performing other tasks associated with the compliance function. Director of Compliance and Risk Management has performed other duties.
Merumuskan langkah-langkah strategis dalam mendukung dan Pada tahun 2019, Direktur Kepatuhan dan Manajemen Risiko telah
meningkatkan efektifitas penerapan fungsi kepatuhan, penerapan merumuskan langkah-langkah strategis dalam mendukung dan
manajemen risiko, serta penerapan tata kelola terintegrasi pada meningkatkan efektivitas penerapan fungsi kepatuhan, penerapan
konglomerasi keuangan Grup Victoria. manajemen risiko, serta penerapan tata kelola terintegrasi pada
To formulate strategic measures in supporting and enhancing the konglomerasi keuangan Grup Victoria.
effectiveness of compliance function application, risk management In 2019, the Director of Compliance and Risk Management formulated
application, and integrated governance application in Victoria Group strategic measures in supporting and enhancing the effectiveness of
financial conglomeration. compliance function implementation, risk management implementation,
and integrated governance implementation in Victoria Group’s financial
conglomeration.
Divisi Compliance, KYC/Integrated and System Procedure:

Compliance, KYC/Integrated and System Procedure Division:
Membuat langkah untuk mendukung terciptanya budaya kepatuhan pada Mendaftarkan kebijakan baru ke website intranet Bank, yang dapat diakses
seluruh kegiatan usaha Bank pada setiap jenjang organisasi. oleh seluruh karyawan, sehingga karyawan memiliki kepedulian untuk
Preparing steps in order to support the creation of a compliance culture on mematuhi peraturan-peraturan tersebut.
all of the Bank’s business activities at every organizational level. Registering new policies to the Bank’s intranet website, which is accessible
by all employees, therefore, employees are aware and comply with the
regulations.
Melakukan identifikasi, pengukuran, pemantauan, dan pengendalian Melakukan pengembangan materi training kepatuhan untuk meningkatkan
terhadap risiko kepatuhan dengan mengacu pada ketentuan Otoritas Jasa kualitas karyawan Bank, meningkatkan budaya kepatuhan, serta memitigasi
Keuangan. risiko kepatuhan.
Identifying, measuring, monitoring, and controlling the compliance risks by Developing compliance training materials to improve the quality of the
referring to the provisions of the Financial Services Authority. Bank’s employees, to improve the compliance culture, and to mitigate
compliance risks.
Menilai dan mengevaluasi efektivitas, kecukupan, dan kesesuaian kebijakan, a. Mendistribusikan setiap kebijakan baru dari Bank Indonesia dan Otoritas
ketentuan, sistem maupun prosedur yang dimiliki oleh Bank dengan Jasa Keuangan maupun kebijakan eksternal lainnya;
ketentuan peraturan perundang-undangan. b. Membuat ringkasan atas peraturan baru dari Bank Indonesia dan Otoritas
Assessing and evaluating the effectiveness, adequacy, and conformity Jasa Keuangan agar lebih mudah dipahami oleh seluruh unit terkait; dan
of the Bank’s policies, regulations, systems, and procedures against the c. Melakukan Focus Grup Discussion (FGD) atas peraturan regulator yang
provisions of laws and regulations. dirasa perlu.
a. Distributing new policies of Bank Indonesia and the Financial Services
Authority, as well as other external policies.
b. Preparing a summary of the new regulations of Bank Indonesia and
Financial Services Authority so that all relevant units can easily
understand; and
c. Conducting a Focus Group Discussion (FGD) on regulatory regulations
that are deemed necessary.
Melakukan kaji ulang dan/atau merekomendasikan untuk mengkinikan dan a. Memantau secara rutin dan berkesinambungan terhadap kebijakan baru
menyempurnakan kebijakan, ketentuan, sistem maupun prosedur yang yang telah dikeluarkan oleh Bank Indonesia atau Otoritas Jasa Keuangan,
dimiliki oleh Bank agar sesuai dengan ketentuan Otoritas Jasa Keuangan serta instansi lainnya; dan
dan ketentuan peraturan perundang-undangan, termasuk prinsip syariah b. Unit Kerja Sistem dan Prosedur bersama unit kerja terkait mengkinikan
bagi Entitas Anak, yakni Bank Victoria Syariah. kebijakan dan SOP sesuai kebutuhan.
Reviewing and/or recommending updates and refinements of policies, a. Monitoring regularly and continuously against new policies issued by
provisions, systems, and procedures owned by the Bank to be in accordance Bank Indonesia or Financial Services Authority, as well as other agencies;
with the provisions of the Financial Services Authority and provisions of and
laws and regulations, including sharia principles for the Subsidiary, which b. The System and Procedure Work Unit together with related work units
is Bank Victoria Syariah. will update policies and SOP as needed.
Melakukan upaya untuk memastikan bahwa kebijakan, ketentuan, sistem Melakukan kajian ulang terhadap kebijakan/aktivitas produk baru agar
dan prosedur, serta kegiatan usaha Bank telah sesuai dengan ketentuan sesuai dengan peraturan yang berlaku dan selalu menyesuaikan dengan
Otoritas Jasa Keuangan dan ketentuan peraturan perundang-undangan. kebijakan terkini.
Taking measures to ensure that the policies, regulations, systems, and Reviewing new product policies/activities to comply with the applicable
procedures, as well as the Bank’s business activities are in accordance with regulations and always adjusting with the current policies.
the provisions of the Financial Services Authority and provisions of laws and
regulations.


Melakukan tugas lain yang terkait dengan fungsi kepatuhan. Divisi Compliance, KYC/Integrated and System Procedure melakukan tugas
Performing other tasks associated with the compliance function. lain, diantaranya:
a. Melakukan kajian atau meninjau kredit dan treasury terhadap plafond
tertentu;
b. Me-monitor BMPK pihak terkait; dan
c. Monitoring tindak lanjut temuan Otoritas Jasa Keuangan.
Compliance division/ KYC/integrated and System Procedure carry other
duties, among others:
a. Reviewing or examining credit and treasury for certain ceiling;
b. Monitoring LLL of related parties; and
c. Monitoring the follow-up on findings of the Financial Services Authority.
Menetapkan langkah-langkah dalam rangka mendukung terciptanya budaya Membuat dan menyampaikan Laporan Terintegrasi sesuai ketentuan
kepatuhan pada konglomerasi keuangan. berlaku dan tepat waktu, meliputi:
Specifying the measures to support the creation of compliance culture a. Laporan Tahunan Tata Kelola Terintegrasi 2018 telah disampaikan kepada
within the financial conglomeration. Otoritas Jasa Keuangan melalui Surat Direksi No. 065/SK-DIR/04/19
tanggal 9 April 2019 tentang Penyampaian Laporan Tahunan Pelaksanaan
Tata Kelola Terintegrasi Grup Victoria Tahun 2018;
b. Laporan Penilaian Sendiri (Self Assessment) Pelaksanaan Tata Kelola
Terintegrasi Grup Victoria Semester I 2019 telah disampaikan kepada
Otoritas Jasa Keuangan melalui Surat Direksi No. 026/SK-DIR/08/19
tanggal 9 Agustus 2019 tentang Penyampaian Laporan Penilaian Sendiri
(Self Assessment) Pelaksanaan Tata Kelola Terintegrasi Grup Victoria
Semester I 2019; dan
c. Laporan Penilaian Sendiri (Self Assessment) Pelaksanaan Tata Kelola
Terintegrasi Grup Victoria Semester II 2019 telah disampaikan kepada
Otoritas Jasa Keuangan melalui Surat Direksi No. 036/SK-DIR/02/20
tanggal 12 Februari 2020 tentang Penyampaian Laporan Penilaian Sendiri
(Self Assessment) Pelaksanaan Tata Kelola Terintegrasi Grup Victoria
Semester II 2019.
Preparing and submitting Integrated Reports according to the applicable
provisions and in a timely manner, which include:
a. The 2018 Integrated Governance Annual Report has been submitted to
the Financial Services Authority through Board of Directors’ Letter No.
065/SK-DIR/04/19 dated 9 April 2010 on Submission of Annual Report of
Victoria Group’s Integrated Governance Implementation in 2018.
b. The Self-Assessment Report on the Implementation of Victoria Group’s
Integrated Governance for Semester I 2019 has been submitted to the
Financial Services Authority through Board of Directors’ Letter No. 026/
SK-DIR/08/19 dated 9 August 2019 on the Submission of Self-Assessment
Report on the Implementation of Victoria Group’s Integrated Governance
for Semester I 2019; and
c. The Self-Assessment Report on the Implementation of Victoria Group’s
Integrated Governance for Semester II 2019 has been submitted to the
Financial Services Authority through Board of Directors’ Letter No.
036/SK-DIR/02/20 dated 12 February 2020 on the Submission of Self-
Assessment Report on the Implementation of Victoria Group’s Integrated
Governance for Semester II 2019.
Mendistribusikan dan mengomunikasikan setiap kebijakan terbaru Mendistribusikan dan mengomunikasikan setiap kebijakan terbaru melalui:
terintegrasi dari Bank Indonesia dan Otoritas Jasa Keuangan, maupun a. Rapat;
kebijakan eksternal lainnya. b. E-mail; dan
Distributing and communicating the latest integrated policies of Bank c. FGD (jika diperlukan).
Indonesia and the Financial Services Authority, as well as other external Distributing and communication every new policies though:
policies. a. Meetings;
b. E-mail; and
c. FGD (if necessary).
Mengomunikasikan dan mengoordinir penyampaian data/informasi kepada Melaporkan kepada Bank Indonesia atau Otoritas Jasa Keuangan ataupun
pihak berwenang atau regulator. pihak lainnya terkait data/informasi Bank sesuai kebijakan dan perundang-
Communicating and coordinating the delivery of data/information to the undangan yang berlaku.
authorities or regulators. Reporting to Bank Indonesia or Financial Services Authority or any other
party related to the Bank’s data/information in accordance with the
applicable policies, laws, and regulations.
Mengomunikasikan dan mengoordinir dalam proses pembuatan laporan Melakukan pemantauan atas tindak lanjut hasil pemeriksaan Otoritas
kepada pihak berwenang atau regulator. Jasa Keuangan serta melaporkannya secara periodik atas progres dan
Communicating and coordinating the process of reporting to the authorities penyelesaian yang telah dilakukan.
or regulators. Monitoring the follow-up of audit results of Financial Services Authority and
periodically reporting them on the progress and settlement done.

Sebagai bagian dari pelaksanaan program kerja fungsi kepatuhan, As part of implementing the compliance function work program,
Konglomerasi Keuangan Grup Victoria telah melaksanakan Victoria Group’s Financial Conglomeration has conducted
pemantauan atas Kepatuhan LJK, Kepatuhan Terintegrasi monitoring of LJK’s Compliance, Integrated Compliance
Anggota Grup menyampaikan Compliance Self Assessment secara where Group Members submitting quarterly Compliance Self
triwulanan, dan mengadakan rapat. Selama tahun 2019, fungsi Assessment and holding meetings. Throughout 2019, the
kepatuhan telah mengadakan rapat sebanyak 3 (tiga) kali dengan compliance function held 3 (three) meetings with the discussion
agenda pembahasan sebagai berikut. agenda as follows.
Tanggal Agenda Pembahasan

Date Discussion Agenda
Komite Tata Kelola Terintegerasi - membahas kondisi terkini Konglomerasi Keuangan Group Victoria dan
19 Januari 2019 mendengarkan penjelasan Satuan Kerja Manajemen Risiko Terintegrasi dan Satuan Kerja Audit Internal Terintegrasi.
19 January 2019 The Integrated Governance Committee discusses the current condition of Victoria Group’s Financial Conglomeration
and listens to the explanation of the Integrated Risk Management Work Unit and Integrated Internal Audit Work Unit.
Komite Tata Kelola Terintegrasi - membahas kondisi terkini Konglomerasi Keuangan Group Victoria dan
mendengarkan penjelasan Satuan Kerja Manajemen Risiko Terintegrasi, Satuan Kerja Kepatuhan Terintegrasi, dan
13 Februari 2019 Satuan Kerja Audit Internal Terintegrasi periode semester II 2018.
13 February 2019 The Integrated Governance Committee discusses the current condition of Victoria Group’s Financial Conglomeration
and listens to the explanation of the Integrated Risk Management Work Unit, Integrated Compliance Work Unit, and
Integrated Internal Audit Work Unit for the second semester of 2018.
Satuan Kerja Kepatuhan Terintegrasi – membahas self assessment triwulan II 2019 dan draft Laporan Semester I 2019.
2 Agustus 2019
2 August 2019 Integrated Compliance Work Unit discusses the self-assessment of the second quarter of 2019 and the draft of the 2019
First Semester Report.
Komite Tata Kelola Terintegrasi - membahas Kondisi terkini Konglomerasi Keuangan Group Victoria dan
mendengarkan penjelasan Satuan Kerja Manajemen Risiko Terintegrasi, Satuan Kerja Kepatuhan Terintegrasi, dan
Satuan Kerja Audit Internal Terintegrasi periode semester I 2019 serta membahas draft Laporan Semester I 2019.
8 Agustus 2019
8 August 2019 The Integrated Governance Committee discusses the current condition of Victoria Group’s Financial Conglomeration
and listens to the explanation of the Integrated Risk Management Work Unit, Integrated Compliance Work Unit, and
Integrated Internal Audit Work Unit for the first semester of 2019 and discusses the draft of the 2019 First Semester
Report.
Program Kerja Fungsi Kepatuhan Compliance Function Work Program

Divisi Compliance, KYC/Integrated and System Procedure telah Compliance, KYC/Integrated and System Procedure Division
menyusun Program Kerja Fungsi Kepatuhan Tahun 2019 yang has prepared the 2019 Compliance Function Work Program,
telah disampaikan kepada Direktur Kepatuhan dan Manajemen which has been delivered to the Director of Compliance and Risk
Risiko. Program Kerja Fungsi Kepatuhan Tahun 2019 dilakukan Management. The 2019 Compliance Function Work Program is
untuk mencapai tujuan: conducted to achieve the following objectives:
1. Mewujudkan terlaksananya budaya kepatuhan pada semua 1. Achieving the implementation of compliance culture at all
tingkatan organisasi dan kegiatan usaha Bank; organizational levels and business activities of the Bank;
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank; 2. Managing the compliance risk faced by the Bank;
3. Memastikan agar kebijakan, ketentuan, sistem, prosedur, 3. Ensuring that the policies, regulations, systems, and
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai procedures, as well as business activities conducted by the
dengan ketentuan Bank Indonesia dan/atau Otoritas Jasa Bank are already in accordance with the provisions of Bank
Keuangan dan peraturan perundang-undangan yang berlaku; Indonesia and/or Financial Services Authority, as well as the
dan applicable laws and regulations; and
4. Memastikan kepatuhan Bank terhadap komitmen yang dibuat 4. Ensuring the Bank’s compliance with the commitments made
oleh Bank kepada Bank Indonesia dan/atau Otoritas Jasa by the Bank to Bank Indonesia and/or Financial Services
Keuangan, serta pengawas lain yang berwenang. Authority, as well as other authorized supervisory authority.

Pengadaan Barang dan Jasa

// Procurement of Goods and Services
Bank melaksanakan pengadaan barang dan jasa dengan The Bank conducts procurement of goods and services by
menerapkan prinsip kehati-hatian dan kepatuhan terhadap applying prudent principles and complying with the prevailing
peraturan dan perundang-undangan yang berlaku. laws and regulations. Procurement of and services is carried
Pengadaan barang dan jasa dilakukan sebagai sarana dan out as supporting facilities for the Banks business activities.
prasarana penunjang usaha Bank. Terkait hal itu, Bank dapat In relation to that, the Bank may transfer part of its supporting
mengalihdayakan sebagian pelaksanaan pekerjaan penunjang business activities work implementation to other party so that
kegiatan usaha kepada pihak lain agar Bank dapat lebih fokus the Bank can have a better focus in carrying out its function and
dalam menjalankan fungsi dan kegiatan usahanya. business activities.
Prinsip Dasar Pengadaan Barang dan Jasa Basic Principles of Procurement of Goods
and Services
Divisi Human Capital Management and General Affair berpedoman Human Capital Management and General Affair Division is guided
pada Surat Keputusan Direksi No. 024/SKDIR/ 04/13 tentang by Decision of Board of Directors No. 024/SKDIR/04/13 on General
Kebijakan dan Prosedur General Affair PT Bank Victoria Affair Policies and Procedures of PT Bank Victoria International
International Tbk dalam melaksanakan pengadaan barang dan Tbk in Carrying out Goods and Services Procurement within Bank
jasa di lingkungan Bank Victoria. Kebijakan tersebut mengatur Victoria. The policy regulates some mandatory basic principles in
beberapa prinsip dasar yang harus dipenuhi dalam kegiatan procuring goods and services, which are:
pengadaan barang dan jasa, yaitu:
1. Melakukan proses verifikasi kebutuhan dan jika benar harus 1. Conducting verification process of needs and if it must be
dilakukan, maka akan diproses oleh Divisi Human Capital done, it will be processed by the Human Capital Management
Management and General Affair; and General Affair Division;
2. Setiap user yang mengajukan rencana pengadaan, wajib 2. Any user submitting procurement plan must try to find the
berusaha mencari penawaran terbaik; dan best offer; and
3. Beberapa pengadaan barang dan/atau jasa diteliti 3. Some procurement of goods and/or services is examined
berdasarkan sisi teknis, bukan berdasarkan harga. based on its technical side, not by price.
Etika Pengadaan Barang dan Jasa Ethics of Procurement of Goods and

Services
Bank menetapkan pedoman terkait dengan etika dalam aktivitas The Bank has established guidelines relating to the ethics in
pengadaan barang dan/atau jasa di lingkungan Bank Victoria procurement activities of goods and/or services within Bank
berdasarkan Surat Keputusan Direksi No. 002/SKDIR/02/16 Victoria’s environment based on the Board of Directors’ Decision
tanggal 15 Februari 2016 tentang Pedoman Kode Etik Perilaku Letter No. 002/SKDIR/02/16 dated 15 February 2016 on Guidelines
Karyawan PT Bank Victoria International Tbk. Dalam pedoman of Employee’s Code of Conduct of PT Bank Victoria International
etika karyawan yang berlaku, telah diatur mengenai hubungan Tbk. In the applicable employee code of conduct, employee’s
karyawan dengan rekanan atau calon rekanan bahwa kegiatan relationship with partner or prospective partner has been
pengadaan barang dan/atau jasa haruslah memenuhi beberapa regulated, and procurement of goods and/or services must meet
poin, yaitu: several points as follows:
1. Tidak menerima tips atau mencari pengadaan berdasarkan 1. Do not accept tips or seek procurement based on personal
keuntungan pribadi semata; interest;
2. Transparansi; 2. Transparency;
3. Mencari penawaran terbaik; 3. Look for the best deals;
4. Tidak terdapat conflict of interest; dan 4. No conflict of interest; and
5. Vendor harus mengikuti peraturan terkait pengadaan barang 5. Vendors must follow the rules regarding the procurement of
dan jasa yang berlaku di Bank Victoria. goods and services applicable at Bank Victoria.

Prosedur Pengadaan Barang dan Jasa Procedures of Procurement of Goods and

Services
Prosedur pengadaan barang dan/atau jasa yang berlaku di Bank Procedures of procurement of goods and/or services applicable
Victoria ditunjukkan dalam alur berikut. at Bank Victoria are shown in the following chart.
Kantor Pusat/Cabang/
Capem/Kantor Kas Supplier/Pihak Ketiga
General Affair
Head Office/Branch Office/Sub- Supplier/Third Party
Branch Office/Cash Office
Mulai
Start
Permohonan Inventaris Permohonan Inventaris

Barang Modal Barang Modal
Request for Capital Goods Request for Capital Goods
Inventory Inventory
Ya
Tidak
Yes
No Verifikasi
Supplier
Verification
Surat Penawaran Surat Penawaran

Offering Letter Offering Letter
Tidak
No
Analisis Harga dan Mutu
Price and Quality Analysis
Ya
Yes
Memorandum
Purchase Order Purchase Order
Inventaris Inventaris Inventaris

Inventories Inventories Inventories

Proses, Wewenang, dan Tanggung Jawab Process, Authority, and Responsibility of

Pengadaan Barang dan Jasa Procurement of Goods and Services
Uraian proses, wewenang, dan tanggung jawab pengadaan barang Description of process, authority, and responsibility of
dan jasa sebagai berikut. procurement of goods and services is as follows.
Proses Kegiatan Pengadaan Pelaksanaan

Procurement Activities Process Implementation
Budget/izin prinsip Ditentukan oleh user, kemudian diajukan ke Divisi Human Capital Management and General Affair.
Budget/principle permit Specified by user, then proposed to Human Capital Management and General Affair Division.
Spesifikasi pengadaan Ditentukan oleh user.

Procurement specifications Specified by user.
Penyusunan dokumen pengadaan Dilakukan oleh user, namun dilakukan oleh Divisi Human Capital Management and General Affair jika terkait dengan
Preparation of procurement documents pembangunan/renovasi kantor cabang.
Performed by user, but if its is related to construction/renovation of branch office, it will be performed by Human
Capital Management and General Affair Division.
Kualifikasi vendor Ditentukan oleh user dengan mengikuti ketentuan yang ada pada kebijakan dan prosedur.
Vendor qualification Specified by the user by following the provisions of the policies and procedures.
Penerimaan proposal Dilakukan oleh Divisi Information Technology jika terkait dengan TI, namun selain TI, akan dilakukan oleh Divisi
Acceptance of proposal Human Capital Management and General Affair.
Performed by Information Technology Division if it is related to IT. But, aside from that. It will be performed by
Human Capital Management and General Affair Division.
Evaluasi teknis Dilakukan oleh Divisi Information Technology jika terkait dengan TI. Selain TI, akan dilakukan oleh Divisi Human
Technical evaluation Capital Management and General Affair.
If related to IT, it will be done by Information Technology Division. If not related to IT, it will be done by Human
Evaluasi harga Dilakukan oleh Divisi Information Technology jika terkait dengan TI. Selain TI, akan dilakukan oleh Divisi Human
Price evaluation Capital Management and General Affair.
If related to IT, it will be done by Information Technology Division. If not related to IT, it will be done by Human
Negosiasi Dilakukan oleh pihak user dan Divisi Human Capital Management and General Affair.
Negotiation Done by user and Human Capital Management and General Affair Division.
Kontrak • Draft kontrak disusun oleh Divisi Legal;

Contract • Pengkajian ulang teknis dilakukan oleh user; dan
• Pengkajian ulang sistem pembayaran dilakukan oleh Divisi Human Capital Management and General Affair.
• Draft contracts prepared by the Legal Division;
• Technical review is done by user; and
• Payment system review is done by Human Capital Management and General Affair Division.
Pelaksanaan Pekerjaan Dipantau oleh user dan Divisi Human Capital Management and General Affair.
Work implementation Monitored by user and Human Capital Management and General Affair Division.
Pembayaran • Verifikasi dokumen pembayaran dilakukan oleh Divisi Human Capital Management and General Affair; dan
Payment • Pelaksana pembayaran dilakukan oleh Divisi Finance and Accounting.
• Verification of payment document is done by Human Capital Management and General Affair Division; and
• Payment executor is Finance and Accounting Division.

Pengadaan Barang dan Jasa Tahun 2019 Procurement of Goods and Services in 2019
Selama tahun 2019, Bank telah melakukan pengadaan barang dan Throughout 2019, the Bank procured the following goods and
jasa sebagai berikut. services.
1. Renovasi Gedung Kantor Cabang Medan; 1. Renovation of Medan Branch Office Building;
2. Pengadaan mobil operasional Kantor Cabang Medan; 2. Procurement of operational vehicle of Medan Branch Office;
3. Sewa Ruang dan Renovasi Perluasan Kantor Pusat BIP Lt. 9; 3. Office Space Rental and Renovation for Expansion of BIP
Head Office, 9th floor;
4. Front End Application Fore Core Banking; 4. Front End Application Fore Core Banking;
5. Pengembangan Aplikasi Sehubungan Front End; 5. Application development related to Front End;
6. Fortinet Fortimail 400F; 6. Fortinet Fortimail 400F;
7. Kalender Meja Tahun 2020; 7. Desk Calendar Year 2020;
8. Renewal Maintenance and License HSM Thales Pay 9000; 8. Renewal of Maintenance and License of HSM Thales Pay
9000;
9. Pengembangan dan Implementasi Aplikasi SUN Ritel; 9. Development and Implementation of Retail SUN Application;
10. Renewal Maintenance and License Electronic EDC; 10. Renewal of Maintenance and License of Electronic EDC;
11. Pengembangan dan implementasi aplikasi BI Antasena dan 11. Development and implementation of BI Antasena and OJK
OJK Apolo; Apolo application;
12. Laporan Tahunan 2019; 12. 2019 Annual Report;
13. Renewal License and Support Perangkat Web Secure Gateway 13. Renewal of License and Support of Web Secure Gateway Blue
Blue Coat; Coat Device;
14. Renewal Maintenance Support Splunk Enterprise; 14. Renewal of Maintenance of Splunk Enterprise Support;
15. Pentest Bankwide Infrastructure and Digital Banking Tahun 15. Pentest for Bankwide Infrastructure and Digital Banking of
2019; 2019;
16. Renewal Support Server Simplivity; 16. Renewal of Support Server Simplivity;
17. PSAK 71; dan 17. PSAK 71; and
18. Renewal ITM (Integrated Transaction Management). 18. Renewal of ITM (Integrated Transaction Management).

Permasalahan Hukum
// Legal Cases
Permasalahan hukum Bank dan Entitas Anak sepanjang Legal issues encountered by the Bank and its Subsidiary Entities
tahun 2019 terdiri dari kasus perdata dan pidana. Dalam kasus throughout 2019 consists of civil and criminal cases. In the civil
perdata Bank sebagai Penggugat/Tergugat/turut Tergugat dan case of the Bank as Plaintiff/Defendant/Co-Defendant and in the
dalam kasus pidana Bank sebagai saksi. Adapun Uraian terkait criminal case of the Bank as witness. The following description
permasalahan hukum yang dihadapi Bank, Entitas Anak, Dewan is related to legal issues faced by the Bank, Subsidiaries, Board
Komisaris Bank dan Entitas Anak, serta Direksi Bank dan Entitas of Commissioners of the Bank and Subsidiaries, and Board of
Anak sebagai berikut. Directors of the Bank and Subsidiaries.
Total
Permasalahan Hukum
Legal Cases Perdata Pidana Hubungan Industrial
Civil Criminal Industrial Relations
Bank Victoria 7 - -
Telah Selesai (Mempunyai Kekuatan Hukum yang Tetap)

1 - -
Settled (having absolute legal power)
Dalam Proses Penyelesaian

6 - -
In Settlement Process
Dewan Komisaris dan Direksi Bank Victoria

- - -
Board of Commissioners and Board of Directors of Bank Victoria

- - -

- - -
Bank Victoria Syariah 10 - -

4 - -

6 - -
Dewan Komisaris dan Direksi Bank Victoria Syariah

Board of Commissioners and Board of Directors of Bank Victoria - - -
Syariah

- - -

- - -
Total 17 - -
Perkara Penting yang Dihadapi Bank Significant Cases Faced by Bank Victoria
Victoria
Beberapa kasus yang dihadapi Bank Victoria sepanjang tahun Some cases faced by Bank Victoria in 2019 were as follows.
2019 sebagai berikut.

Perkara
Pengadilan Tinggi Banten Register No. 53/PDT/2018/PT.BTN. juncto kasasi No. 110 K/Pdt/2019 di Mahkamah Agung Republik Indonesia
Case
Appellate Court of Banten Register No. 53/PDT/2018/PT.BTN. in conjunction with cassation No. 110 K/Pdt/2019 at the Supreme
Court of the Republic of Indonesia
Para Pihak Sadeni Hendarman selaku Pemohon Peninjauan Kembali (semula Penggugat/Pembanding/Pemohon Kasasi dan Bank
Parties Victoria selaku Termohon Peninjauan Kembali (semula Tergugat/Terbanding/Termohon Kasasi)
Sadeni Hendarman as the Petitioner for Review (initially Plaintiff/Appellant/Cassation Appellant and Bank Victoria as the
Respondent for Review (initially Defendant/Appellee/Respondent of Cassation)
Pokok Perkara Perbuatan Melawan Hukum

Case Profile Tort (PMH)
Nilai Nominal -
Nominal Value
Status Penyelesaian Perkara Perkara ini masih dalam proses peninjauan kembali
Case Settlement Status This case is still under review
Risiko yang Dihadapi Bank Pengembalian kredit menjadi terlambat

Risks Faced by the Bank Late credit repayment
Pengaruh terhadap Bank Pengembalian kredit menjadi terlambat

Impact to the Bank Late credit repayment
Sanksi Administrasi -
Administrative Sanctions
Perkara
Pengadilan Negeri Jakarta Timur Register No. 301/Pdt.PLW/2017/PN.Jkt.Tim. juncto Perkara Banding di Pengadilan Tinggi DKI Jakarta
Case
Jakarta
East Jakarta District Court Register No. 301/Pdt.PLW/2017/PN.Jkt.Tim. in conjunction with Case of Appeal in DKI Jakarta
Appellate Court
Para Pihak Wingki Waluyo Kushadi Selaku Pembanding (Semula Pelawan/Termohon Eksekusi dan Bank Victoria selaku Terbanding
Parties (semula Terlawan/Pemohon Eksekusi)
Wingki Waluyo Kushadi As a Appellant (Initially an Opponent/Respondent of Execution and Bank Victoria as a Appellee
(initially an Defendant/ Execution Applicant)

Nilai Nominal -
Nominal Value
Status Penyelesaian Perkara Perkara ini masih dalam proses persidangan di tingkat Banding di Pengadilan Tinggi DKI Jakarta.
Case Settlement Status This case is still in trial process at the Appellate level in DKI Jakarta Appellate Court.



Perkara
Pengadilan Negeri Jakarta Pusat Klas IA Khusus Register No. 194/PDT.G/2017/PN.Jkt.Pst. tanggal 6 April 2017 juncto Pengadilan
Tinggi DKI Jakarta No. 68/Srt.Pdt.Bdg/2018/PN.Jkt.Pst tanggal 25 Mei 2018
Case
Central Jakarta District Court Class IA Special Register No. 194/PDT.G/2017/PN.Jkt.Pst. dated 6 April 2017 in conjunction with DKI
Jakarta Appellate Court: No. 68/Srt.Pdt.Bdg/2018/PN.Jkt.Pst dated 25 May 2018
Para Pihak PT.Luvin Indonusa selaku Pemohon Kasasi (semula Penggugat/Pembanding) dan Bank Victoria selaku Termohon Kasasi
Parties (semula Penggugat/Terbanding)
PT Luvin Indonusa as Cassation Appellant (initially Plaintiff/Appellant) dan Bank Victoria as Cassation Appellee (initially
Defendant/Appellee)

Nilai Nominal -
Nominal Value
Status Penyelesaian Perkara Perkara ini masih dalam proses Kasasi di Mahkamah Agung RI.
Case Settlement Status The case is still in cassation process at the Supreme Court


Perkara
Pengadilan Negeri Tangerang Register No. 708/Pdt/2015/PN.Tng jo. Pengadilan Tinggi Banten No. 124/PDT/2017/PT BTN jo. kasasi
di Mahkamah Agung Republik Indonesia
Case
Tangerang District Court Register No. 708/Pdt/2015/PN.Tng in conjunction with Banten Appellate Court No. 124/PDT/2017/PT BTN
in conjunction with Cassation at the Supreme Court of the Republic of Indonesia
Para Pihak Sinar Pematang Mitra selaku Termohon Kasasi I (semula Tergugat I/Terbanding I) dan Bank Victoria selaku Termohon
Parties Kasasi III (semula Tergugat III/Terbanding III)
Sinar Pematang Mitra as Respondent Cassation I (initially Defendant I/Appellee I) and Bank Victoria as Respondent
Cassation III (formerly Defendant III/Appellee III)
Pokok Perkara Wanprestasi

Case Profile Default
Nilai Nominal -
Nominal Value
Status Penyelesaian Perkara Perkara ini masih dalam proses Kasasi di Mahkamah Agung Republik Indonesia
Case Settlement Status The case is still in cassation process at the Supreme Court of the Republic of Indonesia


Perkara
Perkara di Pengadilan Negeri Jakarta Pusat register No. 717/Pdt.G/2018/PN.Jkt.Pst. tanggal 21 Desember 2018
Case
Central Jakarta District Court Register No. 717/Pdt.G/2018/PN.Jkt.Pst. dated 21 December 2018
Para Pihak Mario Antonius selaku Terbanding I (semula Terlawan I ) dan Bank Victoria selaku Terbanding III (selaku Terlawan III)
Parties Mario Antonius as Appellee I (originally Respondent in Opposition I) and Bank Victoria as Appellee III (as Respondent in
Opposition III)
Pokok Perkara Perlawanan terhadap Pengajuan Lelang

Case Profile Opposition to Auction Proposal
Nilai Nominal -
Nominal Value

Status Penyelesaian Perkara Perkara ini masih dalam proses banding di Pengadilan Tinggi Jakarta
Case Settlement Status Currently in appeal process at Palangkaraya Appellate Court


Perkara
Pengadilan Tata Usaha Negara Serang Register No. 01/G/2020/PTUN-SRG tanggal 25 September 2019
Case
Serang State Administrative Court Register No. 01/G/2020/PTUN-SRG dated 25 September 2019
Para Pihak PT Froggy Edutography selaku Penggugat dan Bank Victoria selaku Tergugat II intervensi II
Parties PT Froggy Edutography as Plaintiff and Bank Victoria as Defendant II intervention II
Pokok Perkara Tata Usaha Negara

Case Profile State Administration
Nilai Nominal -
Nominal Value
Status Penyelesaian Perkara Perkara ini masih dalam proses persidangan di Pengadilan Tata Usaha Negara Serang
Case Settlement Status This case is still under trial process at Serang State Administrative Court


Perkara Penting yang Dihadapi Entitas Anak Significant Cases Faced by Subsidiary
Beberapa kasus yang dihadapi Entitas Anak sepanjang tahun 2019 Some cases faced by Subsidiary throughout 2019 were as follows.
sebagai berikut.
Perkara Perdata
Civil Case
Para Pihak Penggugat : Perintis Gunawan
Parties Tergugat : Agus Adriansyah
Turut Tergugat : Bank Victoria Syariah, Badan Pertanahan Nasional (BPN) Kabupaten Karawang
Plaintiff : Perintis Gunawan
Defendant : Agus Adriansyah
Co-Defendant : Bank Victoria Syariah, National Land Agency (BPN), Karawang Regency
Pokok Perkara Wanprestasi

Case Profile Default
Nilai Nominal
-
Nominal Value
Status Penyelesaian Perkara Banding

Case Settlement Status Appeal
Risiko yang Dihadapi Bank Risiko Hukum dan Risiko Reputasi

Risks Faced by the Bank Legal Risk and Reputation Risk
Pengaruh terhadap Bank

Low Risk
Impact to the Bank
Sanksi Administrasi
-

Perkara Perdata
Civil Case
Para Pihak Penggugat : Agus Ardiansyah, Aan Nurlia, dan Aep Kurnia (Direktur PT Hanusa Persada)
Parties Tergugat : Bank Victoria Syariah
Plaintiff : Agus Ardiansyah, Aan Nurlia, and Aep Kurnia (Director of PT Hanusa Persada)
Defendant : Bank Victoria Syariah

Nilai Nominal
-
Nominal Value
Status Penyelesaian Perkara Banding

Case Settlement Status Appeal


Low Risk
Impact to the Bank
Sanksi Administrasi
-
Perkara Perdata
Civil Case
Para Pihak Penggugat : Helga Anastasia dan Lintang Benowo Sakti
Parties Tergugat : Siti Maryani, Krisbiantoro, Bank Victoria Syariah
Plaintiff : Helga Anastasia and Lintang Benowo Sakti
Defendant : Siti Maryani, Krisbiantoro, Bank Victoria Syariah

Nilai Nominal
-
Nominal Value
Status Penyelesaian Perkara Peninjauan Kembali (PK)

Case Settlement Status Review (PK)

Pengaruh terhadap Bank Tidak ada, Fasilitas Pembiayaan Lunas (Dialihkan ke Bank Victoria)
Impact to the Bank None, Financing Facility is Paid Off (Transfer to Bank Victoria)
Sanksi Administrasi
-
Perkara Perdata
Civil Case
Para Pihak Penggugat : PT Panah Jaya Steel
Parties Tergugat : Bank Victoria Syariah dan Notaris Francisca Susi Setiawati, SH
Plaintiff : PT Panah Jaya Steel
Defendant : Bank Victoria Syariah and Notary Francisca Susi Setiawati, SH

Nilai Nominal
-
Nominal Value
Status Penyelesaian Perkara Kasasi

Case Settlement Status Cassation


Low Risk
Impact to the Bank
Sanksi Administrasi
-

Perkara Perdata
Civil Case
Para Pihak Penggugat : CV Yoga Mandiri Utama
Parties Tergugat : Bank Victoria Syariah, KPKNL Bandung
Plaintiff : CV Yoga Mandiri Utama
Defendant : Bank Victoria Syariah, KPKNL Bandung

Nilai Nominal
-
Nominal Value
Status Penyelesaian Perkara

Inkracht
Case Settlement Status


Low Risk
Impact to the Bank
Sanksi Administrasi
-
Perkara Perdata
Civil Case
Para Pihak Pihak Pemohon : PKPU PT Sinarmas Asset Management dan PT Asuransi Simas Jiwa
Parties Termohon : PKPU PT Tiga Pilar Sejahtera Food Tbk (TPS Food)
Petitioner : PKPU PT Sinarmas Asset Management and PT Asuransi Simas Jiwa
Respondent : PKPU PT Tiga Pilar Sejahtera Food Tbk (TPS Food)
Pokok Perkara Penundaan Kewajiban Pembayaran Utang (PKPU)

Case Profile Suspension of Payment (PKPU)
Nilai Nominal
-
Nominal Value
Status Penyelesaian Perkara Proses Penyelesaian

Case Settlement Status Settlement Process


Low Risk
Impact to the Bank
Sanksi Administrasi
-
Perkara Perdata
Civil Case
Para Pihak Penggugat : Yayasan Perlindungan Konsumen Nasional (YAPEKNAS) Pusat, Kabupaten Tegal
Parties Tergugat : Bank Victoria Syariah, Sarwono, SH, BPN Kabupaten Tegal, KPKNL Tegal, Aji Gunawan
Gugatan Pengadilan Negeri Tegal
Plaintiff : National Consumer Protection Foundation (YAPEKNAS) Center, Tegal Regency
Defendant : Bank Victoria Syariah, Sarwono, SH, BPN Tegal Regency, KPKNL Tegal, Aji Gunawan
Tegal District Court Lawsuit

Nilai Nominal
-
Nominal Value

Inkracht


Low Risk
Impact to the Bank
Sanksi Administrasi
-

Perkara Perdata
Civil Case
Para Pihak Penggugat : Yayasan Perlindungan Konsumen Nasional (YAPEKNAS) Pusat , Kabupaten Tegal
Parties Tergugat : Bank Victoria Syariah, Suprihatin, SH, Sarwono, SH, BPN Kabupaten Tegal, Kantor Pelayanan Kekayaan
Negara dan Lelang (KPKNL) Tegal, Aji Gunawan
Gugatan Pengadilan Agama Tegal
Plaintiff : National Consumer Protection Foundation (YAPEKNAS) Center, Tegal Regency
Defendant : Bank Victoria Syariah, Suprihatin, SH, Sarwono, SH, BPN Tegal Regency, Office of State Assets and
Auction Services (KPKNL) of Tegal, Aji Gunawan
Tegal Religious Court Lawsuit

Nilai Nominal
-
Nominal Value

Inkracht


Low Risk
Impact to the Bank
Sanksi Administrasi
-
Perkara Perdata
Civil Case
Para Pihak Penggugat : Muhammad Soleh
Parties Tergugat : Bank Victoria Syariah, Kantor Pelayanan Kekayaan Negara dan Lelang (KPKNL) Cirebon, dan Yuliyanti
Plaintiff : Muhammad Soleh
Defendant : Bank Victoria Syariah, Office of State Assets and Auction Services (KPKNL) of Cirebon, and Yuliyanti

Nilai Nominal
-
Nominal Value
Status Penyelesaian Perkara Kasasi

Case Settlement Status Cassation

Pengaruh terhadap Bank Tidak ada, Fasilitas Pembiayaan Lunas

Impact to the Bank None, Financing Facility is Paid Off
Sanksi Administrasi
-
Perkara Perdata
Civil Case
Para Pihak Penggugat : Nastoni, Tintin Diliawati
Parties Tergugat : Bank Victoria Syariah
Turut Tergugat : Kepala Kantor Pertanahan Serang
Plaintiff : Nastoni, Tintin Diliawati
Defendant : Bank Victoria Syariah
Co-Defendant : Head of Serang Land Office

Nilai Nominal
-
Nominal Value

Inkracht

Pengaruh terhadap Bank Tidak ada, Fasilitas Pembiayaan Lunas

Impact to the Bank None, Financing Facility is Paid Off
Sanksi Administrasi
-

Perkara Penting yang Dihadapi Dewan Significant Cases Faced by Board of

Komisaris dan Direksi Commissioners and Board of Directors
Tidak terdapat perkara penting yang dihadapi oleh Dewan There were no significant cases faced by the Board of
Komisaris dan Direksi Bank Victoria sepanjang tahun 2019. Oleh Commissioners and Board of Directors of Bank Victoria
karena itu, tidak terdapat informasi yang dapat disampaikan throughout 2019. Therefore, there is no information that can be
mengenai: submitted on:
1. Para pihak; 1. Parties;
2. Nilai nominal; 2. Nominal value;
3. Status penyelesaian perkara; 3. Case settlement status;
4. Risiko yang dihadapi bank; 4. Risks faced by the Bank;
5. Pengaruh terhadap bank; dan 5. Impact to the Bank; and
6. Sanksi administrasi. 6. Administrative sanction.
Sanksi Administrasi
// Administrative Sanctions
Selama tahun 2019, Bank Victoria mendapatkan sanksi Throughout 2019, Bank Victoria received administrative sanctions
administratif dan sanksi finansial sebagai berikut. and financial sanctions as follows.
Jenis Sanksi
Total (Rp)
Type of Sanctions
Tidak lapor Laporan Harian Bank Umum
2,000,000
Not submitting the Commercial Banks Daily Report
K/KRG Giro Wajib Minimum Dana Pihak Ketiga SGB

K/KRG of Minimum Statutory Reserve of Third-Party Funds of 244,600
SGB
Koreksi offline Data

100,000
Offline Data correction

Program Anti Pencucian Uang dan Pencegahan

Pendanaan Terorisme
// Anti Money Laundering and Counter Financing Terrorism Program
Dalam kegiatan usahanya, Bank menerapkan Undang-Undang In its business activities, the Bank applies Law of the Republic
Republik Indonesia No. 8 Tahun 2010 tentang Pencegahan dan of Indonesia No. 8 of 2010 on the Prevention and Eradication of
Pemberantasan Tindak Pidana Pencucian Uang, serta Peraturan the Criminal Action of Money Laundering, and Financial Services
Otoritas Jasa Keuangan No. 23/POJK.01/2019 tentang Perubahan Authority Regulation No. 23/POJK.01/2019 on Amendment to
Atas Peraturan Otoritas Jasa Keuangan No. 12/POJK.01/2017 Financial Services Authority Regulation No. 12/POJK.01/2017 on
tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Implementation of Anti Money Laundering and Counter-Terrorism
Pendanaan Terorisme di Sektor Jasa Keuangan sebagai upaya Financing Program Program in Financial Services Sector, as an
menerapkan Program Anti Pencucian Uang (APU) dan Pencegahan effort to implement Anti Money Laundering Program (AML) and
Pendanaan Terorisme (PPT). Agar penerapan program APU dan PPT Counter-Terrorism Financing (CTF). In order for AML and CTF
dapat berjalan efektif, Bank telah melakukan beberapa hal sebagai program to run effectively, the Bank has taken the following
berikut. measures.
1. Kebijakan dan Prosedur, yang meliputi: 1. Policy and Procedure, that include:
a. Identifikasi dan verifikasi calon nasabah (termasuk a. Identification and verification of potential customers
beneficial owner); (including beneficial owner);
b. Customer due diligence (CDD) atau penerapan prinsip- b. Customer due diligence (CDD) or application of know
prinsip know your customer (KYC) dan enhance due your customer (KYC) and enhance due diligence (EDD)
dilligence (EDD); principles;
c. Penerapan risk based approach (RBA); c. Application of risk-based approach (RBA);
d. Area berisiko tinggi dan politically exposed person (PEP); d. High risk areas and politically exposed person (PEP);
e. Pelaksanaan CDD/KYC oleh pihak ketiga; e. Implementation of CDD/KYC by third parties;
f. Pemantauan dan pelaporan; f. Monitoring and reporting;
g. Prosedur transfer dana; g. Fund transfer procedures;
h. Sistem informasi manajemen; h. Management information system;
i. Human capital dan pelatihan; dan i. Human capital and training; and
j. Pengendalian Internal. j. Internal control.
2. Pengawasan Manajemen 2. Management control

Direksi Bank bertanggungjawab untuk memastikan bahwa The Bank's Board of Directors is responsible for ensuring that
penerapan Prinsip APU-PPT berjalan secara efektif dengan the implementation of AML-CTF Principles works effectively
cara sebagai berikut. by:
a. Memastikan Bank memiliki kebijakan dan prosedur a. Ensuring that the Bank has policies and procedures of
program APU-PPT; AML/CTF programs;
b. Mengusulkan kebijakan tertulis program APU-PPT b. Proposing a written APU-PPT policy program to the
kepada Dewan Komisaris; Board of Commissioners;
c. Memastikan penerapan program APU-PPT sesuai dengan c. Ensuring implementation of AML-CTF programs
kebijakan dan prosedur tertulis yang telah ditetapkan; in accordance with stipulated written policies and
d. Membentuk unit kerja khusus yang melaksanakan procedures.
program APU-PPT dan/atau menunjuk Pejabat yang d. Establishing special work force to work on AML-CTF
bertanggungjawab terhadap Program APU-PPT di Kantor programs and/or appointing Officer in charge of AML-
Pusat; CTF programs at the Head Office;
e. Melakukan pengawasan atas kepatuhan satuan kerja e. Monitoring the compliance of the work unit in
dalam menerapkan program APU-PPT; implementing AML-CTF programs;
f. Memastikan bahwa kantor cabang wajib memiliki unit f. Ensuring the branch offices hold a special work unit and
kerja khusus dan memiliki: hold:
1) Karyawan yang menjalankan fungsi unit kerja khusus; 1) Employees running the special work unit function; or
atau
2) Pejabat yang mengawasi penerapan program 2) Officers monitoring the implementation of AML-CTF
APU-PPT. programs.
g. Memastikan bahwa kebijakan dan prosedur tertulis g. Ensuring that written policies and procedures related to
mengenai program APU-PPT sejalan dengan perubahan AML-CTF are in-line with the changes and development
dan pengembangan produk, jasa, dan teknologi Bank of the Bank’s products, services, and technology, and
serta sesuai dengan perkembangan modus pencucian follow the development mode of operation of money
uang atau pendanaan terorisme; dan laundering and terrorism financing; and

h. Memastikan bahwa seluruh karyawan, khususnya h. Ensuring that all employees, particularly those from
karyawan dari unit kerja terkait dan karyawan baru, telah related work unit, as well as new employees, participate
mengikuti pelatihan yang berkaitan dengan program in trainings related to AML-CTF programs periodically.
APU-PPT secara berkala.
Pengawasan Dewan Komisaris dilakukan dengan: Supervision by the Board of Commissioners is carried out by:
a. Menyetujui kebijakan tentang program APU-PPT; dan a. Approving policies on AML-CTF programs; and
b. Memantau pelaksanaan tugas dan tanggung jawab b. Monitoring the implementation of Board of Directors’
Direksi dalam melaksanakan program APU-PPT. duties and responsibilities in implementing AML-CTF
programs.
3. Sumber Daya Manusia dan Pelatihan 3. Human Resources and Training.

Untuk menghasilkan sumber daya manusia yang mempunyai To produce human capital who has adequate knowledge
pengetahuan yang memadai didalam menjalankan tugas- in performing the duties, the Bank must provide training
tugasnya, maka Bank berkewajiban menyediakan program programs for all employees in AML-CTF. The training
pelatihan bagi seluruh karyawannya di bidang APU-PPT. Adapun materials are as follows:
cakupan materi pelatihan diantaranya adalah sebagai berikut:
a. Implementasi peraturan perundang-undangan yang a. Implementation of laws and regulations related to AML-
terkait dengan program APU-PPT; CTF programs;
b. Tipologi pencucian uang dan pendanaan terorisme; dan b. Typology of money laundering and terrorism financing;
and
c. Kebijakan dan prosedur internal penerapan program APU- c. Internal policies and procedures for the implementation
PPT serta peran dan tanggung jawab karyawan dalam of AML-CTF programs, as well as employees’ roles and
memberantas pencucian uang dan pendanaan terorisme. responsibilities in combating money laundering and
terrorism financing.
4. Audit dan Kepatuhan 4. Audit and Compliance

Pemantauan oleh pihak independen secara berkala oleh Monitoring by independent parties carried out periodically
Audit Internal dan audit eksternal, lengkap, dan utuh untuk by Internal and External Auditors, comprehensive and
menguji efektivitas pelaksanaan program APU-PPT serta coherent to evaluate the effectiveness AML-CTF programs
dilaksanakan sesuai dengan ketentuan yang berlaku. implementation as well as to ensure that they are carried out
in accordance with the applicable laws and regulations.
Berdasarkan hasil pemantauan dan audit yang dilaksanakan In accordance with the monitoring and audit results conducted
sepanjang tahun 2019, tidak ditemukan indikasi terjadinya tindak throughout 2019, no indication of money laundering and terrorism
pidana pencucian uang dan pendanaan terorisme di Bank Victoria. funding was found in Bank Victoria.
Pemberian Dana Kegiatan Politik

// Provision of Funds for Political Activities
Selama tahun 2019, Bank Victoria tidak terlibat di dalam kegiatan During 2019, Bank Victoria was not involved in political activities,
politik, serta tidak memberikan dana untuk kepentingan politik. nor did it provide funds for political purposes.

Kode Etik
// Code of Conduct
Sebagai lembaga keuangan yang berkomitmen penuh dalam As a financial institution that is fully committed in carrying
menjalankan prinsip-prinsip GCG dalam setiap lini bisnis, Bank out GCG principles in every business line, Bank Victoria has
Victoria telah menetapkan Kode Etik berdasarkan pada Surat established the Code of Conduct based on the Board of Directors’
Keputusan Direksi No. 012/SK-DIR/12/18 tanggal 27 Desember Decision Letter No. 012/SK-DIR/02/18 dated 27 December 2018
2018 tentang Pedoman Kode Etik Karyawan PT Bank Victoria on Guidelines of Employee’s Code of Conduct of PT Bank Victoria
International Tbk. Code of Conduct disusun untuk menjadi acuan International Tbk. The Code of Conduct is prepared to serve as a
perilaku bagi Dewan Komisaris, Direksi dan seluruh karyawan benchmark for the Board of Commissioners, Directors, and all of
Bank dalam menerapkan nilai-nilai dan etika bisnis agar menjadi the Bank’s employees in applying values and business ethics to be
bagian dari budaya Bank guna mencapai Visi dan Misi Bank. part of the Bank’s culture in order to achieve the Bank’s Vision and
Pelaksanaan Kode Etik sebagai pedoman berperilaku secara Mission. The implementation of Code of Conduct as behavioral
profesional, bertanggung jawab, wajar, patut dan dipercaya dalam guidelines in a professional, responsible, reasonable, proper, and
melakukan hubungan bisnis dengan para pelanggan, rekanan, trustworthy manner in building business relationships with the
maupun dengan rekan sekerja menjadi tanggung jawab seluruh customers, partners, and co-workers becomes the responsibility
insan Bank Victoria. of all Bank Victoria employees.
Pokok Isi Kode Etik Principles of Code of Conduct

Kode Etik berisi komitmen Bank kepada berbagai pihak yang The Code of Conduct contains the Bank’s commitment to various
berkepentingan dan merupakan perwujudan dari etika bisnis stakeholders and is the embodiment of business ethics and work
serta etika kerja bagi segenap insan Bank Victoria. Pokok isi dari ethics for all Bank Victoria employees. The main contents of Bank
Kode Etik Bank Victoria diuraikan sebagai berikut. Victoria Code of Conduct are outlined as follows.
Standar Perilaku Karyawan Uraian

Standard Code of Conduct Description
Sikap dan Perilaku Penting bagi Bank untuk mendapatkan citra yang It is important for the Bank to get a good and
Attitude and Behavior baik dan terhormat dalam masyarakat. Citra yang respectable image in the community. A good
baik itu dapat dibentuk oleh cara melayani ke luar image can be established by how to serve out
kepada nasabah, calon nasabah, relasi, rekanan, to the existing customers, potential customers,
dan sama pentingnya adalah cara pelayanan ke associates, partners, and what equally important
dalam diantara sesama karyawan sendiri. Sikap is the service method among fellow employees.
dan perilaku dalam pelayanan ke luar dan ke dalam Attitude and behavior in outward and inward
sangatlah menentukan dan berdampak luas. Bank service are very decisive and have broad impact.
Victoria telah memiliki standar sikap dan perilaku Bank Victoria has a good standard of attitudes and
yang baik untuk seluruh karyawan Bank Victoria. behavior for all Bank Victoria employees.
Penanganan Benturan Kepentingan Semua keputusan yang menyangkut penilaian All decisions concerning assessment to employees,
Management of Conflict of Interest terhadap karyawan, nasabah dan rekanan harus customers, and partners must be based solely
semata-mata menjadi dasar pertimbangan yang on objective judgment with regard to the Bank’s
obyektif dengan persyaratan yang berlaku di Bank. applicable requirements. Any employee having a
Karyawan yang memiliki hubungan kekerabatan kinship relationship with another employee at the
dengan karyawan lain di Bank, harus melaporkan Bank must report such relationship to the Human
hubungan kekerabatan tersebut kepada Divisi Capital Management and General Affair Division.
Human Capital Management and General Affair. Hal This is done so that the Human Capital Management
ini dilakukan agar Divisi Human Capital Management and General Affair Division can arrange the position
dan General Affair dapat mengatur posisi masing- of each employee to ensure that there is no conflict
masing karyawan agar tidak saling menimbulkan of interest arising. Kinship relationship here means
benturan kepentingan. Hubungan kekerabatan yang family relationship up to the second degree in a
dimaksud adalah hubungan keluarga sampai derajat straight line or a line to the side.
kedua dalam garis lurus maupun garis ke samping.

Standar Perilaku Karyawan Uraian

Standard Code of Conduct Description
Pemberian dan Penerimaan Hadiah Dalam melakukan kegiatan memasarkan In conducting marketing activities of the Bank’s
dan Donasi produk dan jasa Bank ataupun calon rekanan, products and services, the Bank’s employee-
Giving and Receiving Gifts and Donations karyawan Bank yang bertugas harus senantiasa on duty must always pay attention to the Bank’s
memperhatikan kepentingan Bank dengan tetap interests while establishing and maintaining good
menciptakan dan memelihara hubungan yang baik relationships with existing or potential customers
dengan calon nasabah atau nasabah atau rekanan. and partners. Every employee of the Bank must
Setiap karyawan Bank harus selalu menjaga always maintain so that the decisions on granting,
agar keputusan dalam pemberian, penambahan adding Bank facilities to customers are only based
fasilitas Bank kepada nasabah hanya berdasarkan on consideration of the outlined eligibility criteria.
atas pertimbangan kriteria kelayakan yang telah Granting and adding facilities that is based solely
digariskan. Pemberian dan penambahan fasilitas on good/personal relationships or customer gifts to
yang berdasar hanya pada hubungan baik/pribadi employees (as an expression of gratitude, sympathy,
atau pemberian-pemberian nasabah kepada or interest in getting attention).
karyawan (sebagai ungkapan terima kasih, simpati,
atau keinginan mendapatkan perhatian).
Kepatuhan Terhadap Peraturan Bank dan karyawan Bank harus melaksanakan Banks and employees of the Bank must carry out
Compliance with Regulations peraturan perundang-undangan dan peraturan the Bank’s laws and regulations. The Board of
Bank. Dewan Komisaris harus memastikan bahwa Commissioners must ensure that the Board of
Direksi dan karyawan Bank melaksanakan peraturan Directors and employees of the Bank carry out the
perundang-undangan dan peraturan Bank. Bank Bank’s laws and regulations. The Bank must keep
harus melakukan pencatatan atas harta, utang, records of assets, debts, and equity properly in
dan modal secara benar sesuai dengan prinsip accordance with the generally accepted accounting
akuntansi yang berlaku umum. principle.
Penanganan Informasi dan Data Dalam melaksanakan kegiatannya, Bank akan In conducting its activities, the Bank will request
Handling of Information and Data meminta atau mewajibkan nasabahnya untuk or requires its customers to provide financial,
memberikan informasi dan data keuangan, management, and personal information or data.
manajemen ataupun pribadi. Bank mempunyai The Bank has the responsibility to maintain the
tanggung jawab untuk tetap menjaga kerahasiaan confidentiality of data and information provided by
data dan informasi yang diberikan nasabah kepada the customers, and in addition to customers’ data
Bank, walaupun selain informasi data nasabah, information, the Bank also has confidential internal
Bank juga memiliki informasi internal yang bersifat information. The Bank is concerned that all internal
rahasia. Bank memiliki kepentingan agar semua information is kept confidential and not utilized by
informasi internal tersebut terjaga kerahasiaannya other party who may adversely affect the Bank’s
dan tidak dimanfaatkan oleh pihak lain yang dapat interests.
berakibat merugikan kepentingan Bank.
Aktivitas Berpolitik Karyawan Bank tidak dilarang dan memiliki kebebasan The Bank is not prohibited and has the freedom to
Employee’s Political Activity untuk berpartisipasi dalam kegiatan politik di participate in political activities in the Republic of
Republik Indonesia ini. Namun demikian, karyawan Indonesia. However, employees are not permitted
tidak diperkenankan meninggalkan tugas dan to leave their duties and obligations as the Bank’s
kewajibannya sebagai karyawan Bank untuk employees for their political activities.
melakukan aktivitas politiknya.
Pelaporan atas Pelanggaran Dewan Komisaris berkewajiban untuk menerima dan The Board of Commissioners is obliged to accept
dan Perlindungan Pelapor memastikan bahwa pengaduan tentang pelanggaran and ensure that complaints regarding violations
Reporting on Violations and Protection to terhadap etika bisnis, pedoman perilaku, peraturan of business ethics, code of conduct, company
Whistleblower perusahaan dan peraturan perundang-undangan, regulations, and laws and regulations are processed
diproses secara wajar dan tepat waktu. Dalam properly and timely. In its implementation, the Board
pelaksanaannya, Dewan Komisaris memberikan of Commissioners assigns duties to the Nomination
tugas kepada Komite Nominasi dan Remunerasi. and Remuneration Committee.
Komitmen Kepatuhan Terhadap Kode Etik Commitment to Compliance with Code of

Conduct
Bank Victoria senantiasa berkomitmen dalam mematuhi Kode Etik Bank Victoria is committed to comply with the Code of Conduct
sebagai standar etika tertinggi dalam menjalankan setiap kegiatan as the highest ethical standard in conducting its business and
bisnis maupun operasionalnya, selain peraturan perundang-undangan operational activities, in addition to the applicable laws and
yang berlaku. Dalam rangka meningkatkan dan memperkuat regulations. To improve and strengthen the application of the
penerapan Kode Etik dan reputasi Bank, maka seluruh level organisasi Code of Conduct and the Bank’s reputation, all Bank’s employees
Bank, tanpa terkecuali, diwajibkan untuk menandatangani Surat are, without exception, required to sign a Declaration Letter
Pernyataan yang dimuat pada halaman akhir Kode Etik. stated on the final page of the Code of Conduct.

SURAT PERNYATAAN
STATEMENT LETTER
Saya yang bertanda tangan dibawah ini, dengan ini menyatakan sudah membaca, mempelajari, dan mengerti Kode Etik Perilaku Karyawan
PT Bank Victoria International, Tbk. dan berjanji untuk mentaati dan melaksanakannya dengan sebaik-baiknya
I, the undersigned, hereby declare that I have read, learned, and understood the Code of Conduct for Employees of PT Bank Victoria International, Tbk.
and promise to adhere to and implement it to the best measure possible
Saya bersedia dikenakan sanksi sesuai dengan aturan yang berlaku di PT Bank Victoria International, Tbk., bila ternyata dikemudian hari saya melakukan
pelanggaran atas Kode Etik Perilaku Karyawan PT Bank Victoria International, Tbk.
I am willing to be sanctioned according to the regulations applicable at PT Bank Victoria International, Tbk., if in the future I have apparently violated the
Employee’s Code of Conduct of PT Bank Victoria International, Tbk.
..............................2019
Yang Membuat Pernyataan/ Person Making Statement,,
(................................)
Jabatan / Position :
Bagian / Department :
Penyebarluasan dan Sosialisasi Kode Etik Dissemination and Socialization of

Code of Conduct
Penyebarluasan dan sosialisasi Kode Etik Bank Victoria The dissemination and socialization of Bank Victoria’s Code of
diungkapkan dan/atau disebarkan kepada seluruh karyawan Conduct is disclosed and/or distributed to all employees through
melalui media internal Bank yang dapat diakses dan dibuka the Bank’s internal media that can be accessed and open at any
setiap saat oleh semua karyawan. Bank secara berkala juga time by all employees. The Bank also periodically disseminates
menyampaikan tentang etika bisnis untuk dapat dilaksanakan about business ethics to be carried out in an orderly manner
secara tertib melalui media memo dan/atau surat dari Direksi through memos and/or letters from the Board of Directors or
ataupun Divisi yang bertanggung jawab dalam mengelola etika Divisions responsible for managing business ethics. The Code of
bisnis. Kode Etik juga diungkapkan dan disampaikan melalui Conduct is also disclosed and submitted through the distribution
pembagian buku saku yang wajib dipelajari dan dilaksanakan oleh of compulsory pocket book that must be studied and carried out
setiap karyawan Bank. by every Bank employee.
Selain itu, Bank Victoria senantiasa mengingatkan kepada segenap In addition, Bank Victoria constantly reminds all its employees
karyawannya mengenai penerapan Kode Etik melalui berbagai about the implementation of the Code of Conduct through various
pelatihan, pelaksanaan induksi untuk para karyawan baru, serta trainings, induction training for new employees, and through
melalui forum-forum pelatihan yang melibatkan pihak eksternal. training forums involving external parties.
Uraian lebih jelas mengenai Pedoman Kode Etik Karyawan telah Further description on the Employee’s Code of Conduct has been
dimuat pada situs web Bank pada bagian Tata Kelola (https:// posted on the Bank’s website in the Governance section (https://
www.victoriabank.co.id/uploads/2019-03-12_Pedoman%20 www.victoriabank.co.id/uploads/2019-03-12_Pedoman%20
Kode%20Etik%20Perilaku%20Karyawan.pdf). Kode%20Etik%20Perilaku%20Karyawan.pdf).
Upaya Penerapan dan Penegakan Effort to Implement and Enforce the Code
Kode Etik of Conduct
Penerapan dan penegakan Kode Etik Bank Victoria berlaku The implementation and enforcement of Bank Victoria’s Code of
bagi seluruh jajaran Bank, tanpa terkecuali, mulai dari Dewan Conduct apply to all levels of the Bank, without exception, from
Komisaris, Direksi, karyawan dan individu lain yang terkait dengan the Board of Commissioners, Directors, employees, and other
bisnis Bank. Tanggung jawab dari keberhasilan penerapan individuals engaged in the Bank’s business. The responsibility
Kode Etik diemban oleh seluruh pimpinan di lingkungan Unit of successful implementation of the Code of Conduct is carried
Kerja masing-masing. Terkait hal ini, seluruh pimpinan Unit out by all leaders in their respective Work Units. In this regard,
Kerja melaksanakan tanggung jawabnya dengan memberikan all managers of the Work Unit carry out their responsibilities by
pemahaman penerapan tentang Kode Etik kepada karyawan di providing an understanding of the implementation of Code of
lingkungan Unit Kerja masing masing. Conduct to the employees in their respective Work Units.

Selain itu, keberhasilan penerapan Kode Etik juga membutuhkan In addition, the successful implementation of the Code of Conduct
kesadaran pribadi dari seluruh pihak jajaran Bank Victoria dalam also requires personal awareness from all parties of Bank Victoria
menerapkannya pada aktivitas sehari-hari. Bentuk tanggung in applying it to everyday activities. This form of responsibility is
jawab ini tercermin dari kesediaan setiap jajaran Bank untuk reflected in the willingness of each Bank employee to report in
melaporkan apabila terdapat rekan kerja atau karyawan lain yang the event of any colleague or other employee is believed to have
diyakini melakukan tindakan melanggar Kode Etik. Penyampaian committed any violation of the Code of Conduct. The delivery of
fakta penyimpangan tersebut dapat dilakukan melalui mekanisme the fact of such deviation can be done through whistleblowing
whistleblowing system. mechanism.
Bentuk Pelanggaran dan Jenis Sanksi Violation forms and Types of Sanction
Tindakan penyimpangan yang dilakukan baik secara sengaja atau Violation acts committed either intentionally or unintentionally,
tidak sengaja dengan mempertimbangkan motif dari tindakan with due observance of motives of the acts both financially or non
baik secara finansial maupun non finansial, termasuk apakah financially, including whether the related employee had received
sebelumnya karyawan telah diingatkan atas tindakan terkait, any prior warnings on such acts, types of sanction for such
maka bentuk sanksi atas penyimpangan tersebut antara lain: violations are among others:
1. Teguran Lisan. 1. Verbal Reprimand.
2. Surat Peringatan Pertama, Kedua, sampai dengan Ketiga. 2. First, Second, up to Third Warning Letter.
3. Tidak memperoleh Bonus Umum Tahunan dan atau Bonus 3. Not receiving any Annual General Bonus and or Achievement
Prestasi. Bonus.
4. Tidak memperoleh kenaikan gaji dan/atau kenaikan pangkat 4. Not receiving any salary increment and/or positional
untuk periode waktu tertentu. promotion for certain period of time.
5. Skorsing (dirumahkan sementara). 5. Suspension (temporary suspension).
6. Demosi (penuruan pangkat atau posisi) 6. Demotion (degradation of rank or position)
7. Pemutusan Hubungan Kerja (PHK). 7. Termination of Employment (PHK).
Bentuk Pelanggaran Jenis Sanksi

Violation Forms Types of Sanctions
Kejadian pertama, minimal teguran lisan dan maksimal surat peringatan pertama.
Kejadian kedua, minimal surat peringatan maksimal surat peringatan ketiga.
Ringan Untuk kejadian ketiga dan seterusnya minimal surat peringatan kedua dan maksimal pengunduran diri.
Minor First incident, verbal reprimand at minimum, and first warning letter at maximum.
Second incident, second warning letter at minimum, third warning letter at maximum.
Third incident and so on, second warning letter at minimum and resignation at maximum.
Kejadian pertama minimal surat peringatan pertama dan maksimal surat peringatan kedua.
Sedang Kejadian kedua, minimal surat peringatan kedua dan maksirnal pengunduran diri.
Moderate First incident, first warning letter at minimum and second warning letter at maximum.
Second incident, second warning letter at minimum and resignation at maximum.
Berat Kejadian pertama, minimal tidak diberikan kenaikan gaji dan maksimal pengunduran diri.
Severe First incident, no salary increments at minimum and resignation at maximum
Laporan Penyimpangan Internal Tahun Internal Deviation Report in 2019

2019
Bank Victoria secara konsisten memberikan sanksi tegas Bank Victoria has consistently given strict sanctions against the
terhadap pelanggaran Kode Etik. Pelanggaran yang dilakukan oleh violation of Code of Conduct. Violations committed by the Board
Dewan Komisaris dan Direksi akan diberi sanksi sesuai ketentuan of Commissioners and the Board of Directors will be sanctioned
pada Anggaran Dasar Bank dan keputusan RUPS. Sedangkan, in accordance with the provisions of the Bank’s Articles of
pemberian sanksi terhadap karyawan dilakukan sesuai dengan Association and GMS resolutions. Meanwhile, the provision of
aturan kepegawaian yang berlaku. Pelanggaran Kode Etik yang sanctions against employees is done in accordance with the
terjadi selama tahun 2019 ditunjukkan sebagai berikut. applicable employment regulations. Code of conduct violations
occurred in 2019 are as follows.

Surat Peringatan Surat Teguran

Uraian Warning Letter Reprimand Letter
Description
2019 2018 2019 2018
Ringan 11 14 10 13
Minor
Sedang 8 1 - -
Moderate
Berat - - - -
Severe
Total 19 15 10 13
Trend Kualitas Penerapan Kode Etik Trend on Quality of Code of Ethics Implementation
Kualitas penerapan Kode Etik di Bank Victoria telah berjalan cukup The quality of implementation of Code of Conduct at Bank Victoria
baik. Seluruh peraturan yang tercantum dalam Kode Etik telah has been well. All regulations outlined in the Code of Conduct
dipenuhi oleh karyawan Bank Victoria. have been fulfilled by Bank Victoria's employees.
Pengendalian Gratifikasi
// Gratification Control
Bank Victoria senantiasa menghimbau kepada seluruh karyawan Bank Victoria constantly calls its employees in all management
di setiap level Manajemen untuk tidak memberi atau menerima level to not give or receive gratification or benefit from customers,
pemberian atau imbalan dari nasabah, vendor, rekanan, mitra vendors, partners, associates, and other third parties for services
kerja, dan pihak ketiga lainnya atas jasa yang diberikan oleh provided by the employees in carrying out their duties and
karyawan dalam menjalankan tugas dan tanggung jawabnya. responsibilities. Such call is disseminated and contained in Bank
Himbauan tersebut telah disosialisasikan dan tercantum dalam Victoria’s Code of Ethics.
Kode Etik Bank Victoria.
Pengelolaan Pengendalian Gratifikasi Management of Gratification Control

Pengelolaan pengendalian gratifikasi Bank Victoria dilakukan Bank Victoria's management of Gratification Control is carried
melalui penerapan kewajiban pelaporan gratifikasi/parcel dalam out through implementation of obligation to report gratification/
bentuk apapun, baik gratifikasi/parcel yang diterima Dewan parcel in any, either gratification/parcel received by Bank
Komisaris, Direksi, Pejabat Eksekutif, Pimpinan Kantor, karyawan Victoria's Board of Commissioners, Board of Directors, Executive
Bank Victoria, serta anggota keluarganya. Pelapor wajib mengisi Officers, Head of Office, and their family members. The reporter
formulir penerimaan gratifikasi/parcel. Selanjutnya, formulir must fill in gratification/parcel receipt form. Thereafter, such
tersebut diserahkan kepada Divisi Audit Internal/Integrated and form must be submitted to the Internal Audit /Integrated and Anti
Anti Fraud untuk ditindaklanjuti. Fraud Division for further follow up.
Sosialisasi Kebijakan Pengendalian Dissemination of Gratification Control

Gratifikasi Policy
Sosialisasi kebijakan gratifikasi yang dimuat dalam Kode Etik dilakukan Dissemination of gratification policy stipulated in the Code of
dengan cara disebarkan kepada seluruh karyawan Bank melalui media Conduct is spread to all of the Bank's employees through internal
internal agar mudah diakses oleh semua karyawan Bank. media so that it can be accessed easily by all of the Bank’s employees.
Laporan Gratifikasi Tahun 2019 Gratification Report in 2019

Sepanjang tahun 2019, tidak terdapat laporan gratifikasi yang Throughout 2019, there were no gratification reports containing
mengandung fraud yang disampaikan kepada Divisi Audit Internal/ fraud submitted to the Internal Audit/Integrated and Anti Fraud
Integrated and Anti Fraud. Division.

Sistem Pelaporan Pelanggaran

// Whistleblowing System
Sistem pelaporan pelanggaran (whistleblowing system/WBS) The whistleblowing system (WBS) becomes one of the seriousness
menjadi salah satu kesungguhan dan wujud nyata dari Bank and concrete manifestation of Bank Victoria in implementing GCG.
Victoria dalam mengimplementasikan GCG. WBS merupakan WBS is a system implemented by the Bank to manage complaints
sistem yang diterapkan oleh Bank dalam mengelola pengaduan or disclosures unlawful and/or unethical conduct by optimizing
atau pengungkapan mengenai perilaku melanggar hukum the role of the Bank’s management, employees, and partners in
dan/atau perbuatan tidak etis dengan mengoptimalkan peran disclosing any violations occurred within the Bank.
pengurus, karyawan Bank, dan mitra kerja dalam mengungkapkan
pelanggaran yang terjadi di lingkungan Bank.
Kebijakan Sistem Pelaporan Pelanggaran Policy of Whistleblowing System

Bank Victoria telah memiliki kebijakan mengenai pelaksanaan Bank Victoria has had a whistleblowing system policy as stipulated
WBS sebagaimana diatur dalam Surat Keputusan Direksi No. in the Director’s Decree No. 006/SK-DIR/02/16 dated 19 February
006/SK-DIR/02/16 tanggal 19 Februari 2016 tentang Standar 2016 on Standard Operating Procedure of Whistleblowing System
Operasional Prosedur Whistleblowing System PT Bank Victoria of PT Bank Victoria International Tbk. The WBS policy is prepared
International Tbk. Kebijakan WBS tersebut disusun sesuai in accordance with the laws and regulations issued by the
peraturan perundang-undangan yang telah dikeluarkan oleh regulators, which include:
regulator, diantaranya:
1. Undang-Undang No. 10 Tahun 1998 tentang Perbankan; 1. Law No. 10 of 1998 on Banking;
2. Undang-Undang No. 8 Tahun 1995 tentang Pasar Modal; 2. Law No. 8 of 1995 on Capital Market;
3. Undang-Undang No. 13 Tahun 2003 tentang Ketenagakerjaan; 3. Law No. 13 of 2003 on Manpower;
4. Undang-Undang No. 13 Tahun 2006 tentang Perlindungan 4. Law No. 13 of 2006 on Protection of Witness and Victim;
Saksi dan Korban;
5. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 5. Law No. 40 of 2007 on Limited Liability Company;
Terbatas;
6. Undang-Undang No. 8 Tahun 2010 tentang Pencegahan dan 6. Law No. 8 of 2010 on the Prevention and Eradication of the
Pemberantasan Tindak Pidana Pencucian Uang; Criminal Act of Money Laundering;
7. Peraturan Pemerintah No. 45 Tahun 1995 tentang 7. Government Regulation No. 45 of 1995 on Implementation of
Penyelenggaraan Kegiatan di Bidang Pasar Modal; Activities in Capital Market Sector;
8. Peraturan Pemerintah No. 57 Tahun 2003 tentang Tata Cara 8. Government Regulation No. 57 of 2003 on Procedures of
Perlindungan Khusus bagi Pelapor dan Saksi Tindak Pidana Special Protection for Whistleblower and Witness of the
Pencucian Uang; Criminal Act of Money Laundering;
9. Peraturan Kapolri No. 17 Tahun 2005 tentang Tata Cara 9. Head of Police Regulation No. 17 of 2005 on Procedures of
Perlindungan Khusus bagi Pelapor dan Saksi Tindak Pidana Special Protection for Whistleblower and Witness of the
Pencucian Uang; Criminal Act of Money Laundering;
10 Peraturan Otoritas Jasa Keuangan No. 55/POJK.03/2016 10. Financial Services Authority Regulation No. 55/POJK.03/2016
tentang Penerapan Tata Kelola bagi Bank Umum; on Implementation of Governance for Commercial Bank;
tentang Penerapan Program Anti Pencucian Uang dan on the Implementation of Anti-Money Laundering and Counter
Pencegahan Pendanaan Terorisme di Sektor Jasa Keuangan; Terrorism Financing Program in Financial Services Sector;
tentang Penerapan Strategi Anti Fraud Bagi Bank Umum; dan on Implementation of Anti-Fraud Strategy for Commercial
Banks; and
13. Surat Edaran Bank Indonesia No. 13/28/DPNP tanggal 9 13. Circular Letter of Bank Indonesia No. 13/28/DPNP dated 9
Desember 2011 tentang Penerapan Strategi Anti fraud bagi December 2011 on the Implementation of Anti-fraud Strategy
Bank Umum. for Commercial Bank.
Kebijakan WBS tersebut mengatur tentang struktur pengelolaan The WBS policy governs the WBS management structure, work
WBS, mekanisme kerja, mulai dari pelaporan pelanggaran, mechanisms, ranging from violation reporting, legal basis of

landasan hukum perlindungan pelapor, perlindungan yang whistleblower protection, protection provided, and monitoring
diberikan, serta monitoring dan review. Kebijakan WBS juga and review. The WBS policy also regulates the obligations of WBS
mengatur kewajiban tim pengelola WBS untuk: managing team to:
1. Melakukan program promosi dan sosialisasi secara ekstensif 1. Promote and disseminate the programs extensively and
dan intensif sehingga diperoleh pemahaman yang benar intensively to obtain a profound understanding on the
terhadap pelaksanaan prosedur WBS; implementation of WBS procedures;
2. Menyelenggarakan tata laksana organisasi sedemikian rupa 2. Administer an organization management in such a way that
sehingga kerahasiaan pelapor tetap terjamin, namun laporan the confidentiality of the whistleblower is guaranteed, but
pelanggaran yang disampaikan juga dapat ditangani dengan the violation report submitted can also be handled properly
baik serta terdokumentasi dengan baik; and well-documented;
3. Melakukan laporan setiap semester kepada Direksi 3. Conduct a semester report to the Board of Directors on the
tentang pelaksanaan program WBS terkait laporan dugaan implementation of WBS program on allegedly infringement
pelanggaran, meliputi sekurang-kurangnya: reports, which include at least:
a. Apakah prosedur WBS dapat diterapkan dengan baik a. Is the WBS procedure properly implemented and gained
dan mendapatkan sambutan yang positif dari karyawan positive response from employees or other stakeholders?
ataupun para pemangku kepentingan lainnya?
b. Apakah prosedur WBS cukup efektif dalam melakukan b. Is the WBS procedure effective enough in early detection
deteksi dini dan pencegahan penyimpangan ataupun and prevention of irregularities or offenses?
pelanggaran?
c. Apakah terdapat suatu pola pelanggaran tertentu yang c. Is there any particular pattern of repeated violations?
sering berulang? Apakah kira-kira penyebabnya? What are the causes?
d. Saran perbaikan untuk meningkatkan efektifitas d. Suggestions for improvement is to increase the
penerapan WBS dalam mencapai sasaran penciptaan effectiveness of WBS implementation in achieving the
iklim kerja yang terbuka, tulus dan bertanggung jawab. objectives of creating an open, sincere, and responsible
work climate.
Sosialisasi Kebijakan Sistem Pelaporan Dissemination of Whistleblowing

Pelanggaran System Policy
Sosialisasi kebijakan WBS Bank Victoria dilakukan oleh tim The dissemination of Bank Victoria’s WBS policy is conducted
pengelola WBS di kalangan internal Bank. Kegiatan sosialisasi by WBS management team within the Bank’s internal circle. The
tersebut disampaikan kepada seluruh karyawan pada forum dissemination activity is delivered to all employees on training
pelatihan, serta melalui email yang setiap bulan dikirimkan kepada forum, as well as via emails sent monthly to all employees. In
seluruh karyawan. Selain itu, kebijakan WBS juga disosialisasikan addition, WBS policy is also disseminated through the Bank’s
melalui website Bank dan berbagai media, seperti buletin internal, website and various media, such as internal newsletters, posters,
poster, sosialisasi etika, maupun presentasi langsung kepada ethical socialization, and direct presentations to related parties.
pihak terkait. Sosialisasi ini ditujukan agar pihak internal maupun This dissemination is intended for internal and external parties of
eksternal Bank mengetahui, memahami dan melaksanakan WBS the Bank to know, understand, and implement WBS consistently.
secara konsisten.
Jenis Pelanggaran yang Dapat Dilaporkan Types of Violations that Can Be Reported
Beberapa jenis pelanggaran dan penyimpangan yang dapat Several types of violations and irregularities that may be reported
dilaporkan berdasarkan kebijakan WBS Bank, namun tidak under WBS Bank policies, including but not limited to:
terbatas pada:
1. Seluruh tindakan melanggar hukum pidana (misalnya: 1. All actions that violate criminal law (e.g. theft, fraud, drug use,
pencurian, penipuan, penggunaan narkoba, dan lain etc.);
sebagainya);
2. Penyalahgunaan wewenang dalam melayani nasabah, debitur, 2. Misuse of authority in serving the customers, debtors,
vendor atau pemasok lainnya (misalnya: penundaan pembayaran vendors, or other suppliers (e.g. unwarranted payment delays,
tidak beralasan, pemerasan, dan lain sebagainya); extortion, etc.);
3. Pelanggaran peraturan perbankan yang diatur dalam Undang- 3. Violation of banking regulations stipulated in Banking Law
Undang tentang Perbankan (misalnya: tidak melaksanakan (for example: not practicing prudent principles, disclosing
prinsip kehati-hatian, membuka rahasia nasabah kepada customers’ confidential information to unauthorized parties,

yang tidak berhak, melakukan pencatatan yang tidak benar, making incorrect records, asking for money for the banking
meminta uang atas jasa pelayanan perbankan yang dilakukan); services performed);
4. Pelanggaran peraturan perpajakan atau aturan pelaporan 4. Violations of tax regulations or corporate financial reporting
keuangan perusahaan yang tidak sesuai dengan PSAK; regulations that are not in accordance with PSAK;
5. Perbuatan yang dapat merugikan Bank, baik finansial maupun 5. Acts that may harm the Bank, both financially and
nonfinansial, termasuk menciderai citra Bank; nonfinancially, including harm the Bank’s image;
6. Pelanggaran aturan internal (SOP) yang dapat menciderai 6. Violations of internal rules (SOP) that may jeopardize the
integritas pelaporan perusahaan, baik di bidang keuangan integrity of the corporate reporting, whether in finance or
ataupun bidang lainnya; dan other fields; and
7. Perbuatan yang membahayakan keselamatan dan kesehatan 7. Acts that endanger occupational safety and health.
kerja.
Media dan Pihak yang Mengelola Media and Party Managing Violations
Pelanggaran
Media pelaporan pelanggaran yang diterapkan oleh Bank Victoria Media of violation reporting applied by Bank Victoria consists of
terdiri dari beberapa cara berikut: several ways as follows:
1. Untuk pengaduan pelanggaran yang diduga dilakukan oleh 1. For complaints of violations allegedly committed by the
karyawan Bank, penyampaian pengaduan pelanggaran Bank’s employees, submission of infringement complaints is
ditujukan kepada Tim Anti Fraud. Pelaporan pelanggaran addressed to the Anti-Fraud Team. Violation reporting can be
dapat dilakukan secara lisan, melalui surat, email atau sms done verbally, by mail, email, or SMS to Anti Fraud Team at the
kepada Tim Anti Fraud pada alamat: address:
a. Surat : a. Letter :
Kepada Direktur Utama dan ditembuskan kepada Unit To the President Director and copy to Anti Fraud Unit
Anti Fraud
di Graha BIP Lt. 10, Jl. Gatot Subroto at Graha BIP Lt. 10, Jl. Gatot Subroto
No. Kav. 23, RT 002 RW 002, Kel. Karet Semanggi, Kec. No. Kav. 23, RT 002 RW 002, Kel. Karet Semanggi, Kec.
Setiabudi, Jakarta Selatan, 12930. Setiabudi, Jakarta Selatan, 12930.
b. Email : unitantifraud@victoriabank.co.id b. Email : unitantifraud@victoriabank.co.id
c. SMS/Handphone : 08118707649. c. SMS/Mobile phone : 08118707649.
2. Untuk pengaduan pelanggaran yang diduga dilakukan oleh 2. For infringement allegedly committed by members of the
anggota Dewan Komisaris atau keluarganya, maka laporan Board of Commissioners or their families, the report is
ditujukan kepada Direktur Utama dengan alamat email addressed to the President Director with the email address of
unitantifrauddireksi@victoriabank.co.id. unitantifrauddireksi@victoriabank.co.id.
3. Untuk pengaduan pelanggaran yang diduga dilakukan oleh 3. For infringement allegedly committed by members of the
anggota Direksi atau keluarganya, laporan pengaduan Board of Directors or their families, the report is addressed
ditujukan kepada Dewan Komisaris dengan dengan alamat to the Board of Commissioners with the email address of
email unitantifraudkomisaris@victoriabank.co.id. unitantifraudkomisaris@victoriabank.co.id.
4. Jika terlapor merupakan anggota Tim Anti Fraud, maka 4. If the reported person is a member of the Anti-Fraud Team,
laporan dugaan terjadinya pelanggaran dikirimkan langsung the alleged infringement report is sent directly to the
kepada Direktur Utama. President Director.
Mekanisme Pengelolaan Pelaporan Mechanism of Whistleblowing

Pelanggaran Management
Mekanisme pengelolaan pelaporan pelanggaran yang diterima The reporting mechanism of violation received by Bank Victoria is
Bank Victoria ditunjukkan dalam skema berikut. shown in the following chart.

Tujuan Direktur Utama

Addressed to President Director
Pengaduan Pelanggaran 1 c.q. Anti Fraud Unit Team
Reporting a Breach Pengaduan / Reporting
Jika diduga melibatkan direksi maka cq. juga ke
- Internal Bank / Internal Bank Dewan komisaris
- Eksternal Bank / External Bank
If Board of Directors is suspected to be
Identitas dan Bukti Awal Tanggapan / Response involved, the cq. Board of Commissioners
Identity and Initial Evidence
7 Registrasi dan Pelaporan
Register and Report
Verifikasi
Verification
3
Tidak / No
Direktur Utama Ditemukan adanya indikasi pelanggaran
President Director Indication of breach discovered
4 Ya / Yes
Klasifikasi jenis pelanggaran & Divisi/Unit yang berwenang

Classification of type of breach & Division/Unit in charge
Pelanggaran
Terkait Kejadian
terkait SDM Pelanggaran Kode
FRAUD Unit Anti
Divisi HCM Etik Divisi Kepatuhan
Fraud (UAF)
HR-related Breach of Code of
Relating to FRAUD Anti
Breach HCM Ethics Compliance Division
Fraud Unit
Division
5
6 Investigasi
Mengacu pada prosedur Divisi Investigation
Tidak Terbukti masing-masing
Dilakukan oleh Unit Anti
Not Proven Referring to procedures in Fraud (UAF) atau tim
the relevant Divisions Investigasi Gabungan
Performed by Anti Fraud or
Unit Joint Investigation Team
Direktur Utama
President Director

Adapun skema penyelesaian fraud ditunjukkan sebagai berikut. The scheme for fraud resolution is as shown below.
Pengaduan Dugaan Fraud Melalui

Fraud Alleged Reporting Via
Investigasi / Investigation
Register kejadian pada database Investigasi

Investigation
Register the incident to the
database Dilakukan oleh Unit Anti Fraud (UAF)
atau Tim Investigasi Gabungan
Penyiapan Standar Investigasi Executed by the Anti Fraud Unit (UAF)
Prepares Investigation Standard or Joint Investigation Unit
Cukup Bukti dan Saksi-saksi

Adequacy of prove and witness
Ya / Yes
Tidak / No Terbukti Fraud?

Kasus Ditutup
Case Closed Is Fraud Proven?
Penyelesaian / Completion Ya / Yes
Rapat Pleno Direksi/

Komisaris (kasus berat dan
berdampak signifikan)
Pengenaan Sanksi
Imposing Sanction The Board of Directors/Board
of Commissioners’ Plenary
Meeting (for heavy cases with
significant impact)
Persiapan pelaporan ke BI dan pihak penegak hukum

Preparation of reporting to BI and law enforcement authorities
Mitigasi dan kaji ulang 1. Pelaporan lengkap kejadian fraud
proses internal kontrol 2. Pengamanan dan penyimpanan dokumen
Mitigation and review on 3. Transparansi hasil final penyelesaian kejadian fraud
internal control process 1. Full report on the fraud incident
2. Document safeguard and storage
3. Transparency of the final result of fraud Incident solving
Kasus Ditutup Proses Hukum

Case Closed Legal Proceeding

Perlindungan bagi Pelapor Protection for Whistleblower

Untuk memudahkan Tim Anti Fraud dalam menindaklanjuti To facilitate the Anti-Fraud Team in following up and obtaining
dan mendapatkan klarifikasi terkait pelaporan pelanggaran clarification related to the reported violation, Bank Victoria’s
yang terjadi, Manajemen Bank Victoria sangat menyarankan Management strongly recommends that the identity of the
agar identitas pelapor dicantumkan. Hal tersebut dilakukan whistleblower is included. This is done to facilitate seamless
guna memudahkan kelancaran investigasi. Meskipun demikian, investigation. However, the confidentiality of the whistleblower
kerahasiaan identitas pelapor akan tetap dijaga oleh Tim Anti identity will be kept by the Anti-Fraud Team and guaranteed by
Fraud serta dijamin oleh Direksi dan Dewan Komisaris. the Board of Directors and the Board of Commissioners.
Identitas pelapor juga diperlukan dalam menyampaikan hasil The whistleblower identity is also required in delivering the result
tindak lanjut penanganan dugaan laporan pelanggaran sehingga of the follow-up on the handling of the alleged violation report
pelapor dapat mengetahui sejauh mana investigasi telah dilakukan so that the whistleblower can find out the extent to which the
dan hasil pelaporannya tidak sia-sia. Informasi minimum tentang investigation has been taken and that the report is not useless.
pelapor yang diperlukan untuk keperluan komunikasi lebih lanjut The minimum information about the whistleblower required for
meliputi alamat surat atau email atau nomor telepon atau nomor further communication needs includes the mailing address or
telepon genggam. email or phone number or mobile phone number.
Adapun laporan anonim akan tetap diterima oleh Tim Anti Fraud. Anonymous report will still be accepted by the Anti Fraud Team.
Meskipun demikian, laporan anonim tidak disarankan karena akan However, anonymous report is not suggested as it would complicate
mempersulit komunikasi dengan pelapor dalam tindak lanjut the communication with the whistleblower in following-up of the
dugaan pelanggaran tersebut. Laporan anonim yang diterima alleged offense. Anonymous report received will be selected and
akan diseleksi dan ditindaklanjuti berdasarkan pertimbangan: acted upon based on the following considerations:
1. Tingkat potensi risiko dugaan pelanggaran yang dilaporkan; 1. The potential risk level of reported alleged violations;
2. Kredibilitas dan integritas dari substansi laporan dugaan 2. The credibility and integrity of the substance of the allegedly
pelanggaran; dan infringing report; and
3. Kemungkinan untuk memperoleh klarifikasi atau 3. Possibility to clarify or follow-up of the alleged infringement
melaksanakan tindak lanjut dari terjadinya dugaan from other sources.
pelanggaran dari sumber-sumber lain.
Penanganan Pengaduan Complaint Handling

Bank Victoria menerima dan menampung setiap laporan yang Bank Victoria accepts and accommodates any incoming reports,
masuk, serta melakukan penyaringan terhadapnya. Laporan as well as screening them. Reports believed to be accurate will be
yang diyakini keakuratannya akan ditindaklanjuti oleh penerima acted upon by the recipient of the report. Meanwhile, report that
pelaporan. Sedangkan, laporan yang tidak diyakini keakuratannya is not deemed accurate will be ignored and set aside as report
akan diabaikan dan disisihkan sebagai laporan yang tidak perlu that does not need follow-up.
ditindaklanjuti.
Apabila pelanggaran yang dilaporkan tidak terbukti melalui In the even that a reported violation is not proven through an
penyelidikan yang dilakukan oleh Tim Anti Fraud, maka pelapor investigation conducted by the Anti-Fraud Team, then the
tidak dikenakan sanksi. Selain itu, Bank Victoria menjamin pihak whistleblower will not be imposed by sanctions. In addition,
pelapor yang beritikad baik untuk melaporkan pelanggaran yang Bank Victoria guarantees whistleblower with good faith to report
terjadi dengan memberikan jaminan perlindungan sebagai berikut. violations by providing the following safeguards.
1. Penyediaan saluran komunikasi pelaporan (lisan, telepon, 1. The provision of a confidential reporting communication
email) yang bersifat rahasia yang dapat dipilih dengan channel (verbal, telephone, email) which can be freely chosen
bebas oleh pelapor ataupun penyediaan Ombudsman yang by the whistleblower or the provision of an independent and
independen dan rahasia. Melalui saluran komunikasi ini, confidential Ombudsman. Through these communication
pelapor akan mendapatkan informasi tindak lanjut atas channels, the whistleblower will receive follow-up information
penanganan laporan dugaan pelanggaran yang disampaikan. on the handling of the alleged infringement reports.
2. Jaminan atas kerahasiaan identitas pelapor, terkecuali bila 2. Guarantees on the confidentiality of the whistleblower
terdapat tuntutan hukum yang mengharuskan identitas identity, unless there is a lawsuit requiring the whistleblower
pelapor dibuka di hadapan Hakim. identity to be disclosed before the Judge.

3. Apabila pelapor merasa terancam setelah melaporkan adanya 3. In the event that the informant feels threatened after
tindakan pelanggaran, maka dalam hal ini, Bank berkewajiban reporting the infringement act, then in this matter, the Bank
untuk melakukan perlindungan yang meliputi: is obliged to provide protection including:
a. Perlindungan fisik, baik terhadap dirinya sendiri maupun a. Physical protection both to the whistleblower and the
keluarganya; family;
b. Perlindungan terhadap harta benda miliknya dan milik b. Protection of the whistleblower’s property and the
keluarganya atas teror ataupun pembalasan yang harus family’s property against terror or retaliation;
dialaminya;
c. Perlindungan administratif yang berupa penundaan c. Administrative safeguards in the form of postponement
kenaikan pangkat, pemecatan, pengucilan di tempat of promotion, dismissal, exclusion at work, improper
kerja, mutasi yang tidak layak, termasuk kepastian kerja transfer, including work certainty, etc; and
dan lainnya; dan
d. Perlindungan hukum dalam proses litigasi di Pengadilan d. Legal protection in the litigation process at the District
Negeri, termasuk biayanya, dan bila perlu termasuk Court, including fees, and where necessary including
perlindungan melalui Lembaga Perlindungan Saksi dan protection through the Witness and Victim Protection
Korban (LPSK). Agency (LPSK).
Jaminan perlindungan ini dilaksanakan oleh Tim Anti Fraud sesuai This protection guarantee is conducted by the Anti-Fraud Team in
dengan mekanisme yang berlaku. accordance with the applicable mechanism.
Laporan Pelanggaran Tahun 2019 Whistleblowing Report in 2019

Selain laporan penyimpangan internal, Bank Victoria tidak Other than internal deviation report, Bank Victoria did not receive
menerima laporan pelanggaran yang masuk melalui Tim Anti any violation reports submitted to the Anti Fraud Team.
Fraud.
Akses Informasi dan Data Perusahaan

// Information Access and Corporate Data
Bank Victoria memberikan kemudahan bagi para pemangku Bank Victoria provides convenience to the stakeholders to access
kepentingan untuk mengakses berbagai informasi mengenai various information regarding Bank Victoria, among others
Bank Victoria, diantaranya informasi produk, kinerja keuangan, information on products, financial performance, good corporate
tata kelola perusahaan yang baik, serta informasi lainnya. governance, as well as other information.
Bank Victoria juga selalu melakukan pelaporan informasi dan Bank Victoria also constantly reports information and material
fakta material melalui sistem pelaporan elektronik kepada facts through electronic reporting system and to Financial
Otoritas Jasa Keuangan dan Bursa Efek Indonesia. Hal ini Services Authority and Indonesia Stock Exchange (BEI). This is
dilakukan sebagai bagian dari wujud kepatuhan kepada regulator carried out as part of realization to compliance with regulations
dan keterbukaan informasi kepada publik. Selain itu, Informasi and open information to the public. Furthermore, information
melalui media lainnya dapat diperoleh, melalui email, majalah/ through other media can be received by email, internal magazines/
buletin internal, poster dan banner. bulletins, posters, and banners.
Informasi lebih lanjut mengenai Bank Victoria masyarakat umum For further information about Bank Victoria, the public and
dan investor dapat menghubungi: investors can contact:

Corporate Secretary Corporate Secretary

Lidwina Dian Pratiwi Lidwina Dian Pratiwi
Gedung Graha BIP, lantai 10 Gedung Graha BIP, 10th floor
Jl. Gatot Subroto Kav. 23, RT 002 RW 002 Jl. Gatot Subroto Kav. 23, RT 002 RW 002
Kel. Karet Semanggi, Kec. Setia Budi Kel. Karet Semanggi, Kec. Setia Budi
Jakarta Selatan, 12930 Jakarta Selatan, 12930
Indonesia Indonesia
T : (021) 522 8888 T : (021) 522 8888
F : (021) 522 8777 F : (021) 522 8777
E : corsec@victoriabank.co.id E : corsec@victoriabank.co.id
W : www.victoriabank.co.id W : www.victoriabank.co.id
Website Website
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 8/ Based on Financial Services Authority Regulation No. 8/
POJK.04/2015, website Bank, yaitu www.victoriabank.co.id, telah POJK.04/2015, the Bank’s website, www.victoriabank.co.id,
memuat informasi mengenai Pemegang Saham, struktur grup contains information regarding Shareholders, Structure of the
Bank, analisis kinerja keuangan, laporan keuangan 5 (lima) tahun Bank’s Group, financial performance analysis, financial statements
terakhir, profil Dewan Komisaris dan Direksi, penerapan tata for the last 5 (five) years, Board of Commissioners and Board of
kelola, serta informasi lainnya yang dianggap perlu dipublikasikan, Directors profile, corporate governance implementation, and any
khususnya untuk kepentingan pemangku kepentingan. Selain other information deemed necessary to be published, particularly
itu, informasi yang disajikan dalam website bank disajikan dalam for the interest of the stakeholders. In addition, information in the
2 (dua) bahasa, yaitu Bahasa Indonesia dan Bahasa Inggris. Bank’s website must be presented in 2 (two) languages, namely
Website Bank juga menyediakan saluran informasi terkait Bank in Indonesian Language and in English. The Bank’s website also
Victoria, meliputi: provides information regarding Bank Victoria, which includes:
1. Call Center : 1500977 1. Call Center : 1500977
2. E-mail : customercare@victoriabank.co.id 2. E-mail : customercare@victoriabank.co.id
3. Media sosial 3. Social Media
a. Facebook : @BankVictoriaID a. Facebook : @BankVictoriaID
b. Youtube : Bank Victoria b. Youtube : Bank Victoria
c. Instagram : @bankvictoria c. Instagram : @bankvictoria
Uraian terkait informasi pada website Bank telah disampaikan The information-related description on the Bank’s website has
pada pembahasan Informasi pada Website Perusahaan pada bab been presented on the discussion of Information on the Company’s
Profil Perusahaan dalam Laporan Tahunan ini. Website in the Company Profile chapter of this Annual Report.
Media Elektronik Electronic Media

Untuk menyampaikan informasi yang relevan, termasuk laporan To provide relevant information, including annual report, the Bank
tahunan, Bank menggunakan media elektronik seperti situs dan uses electronic media such as website and email. Stakeholders who
email. Pemangku kepentingan yang ingin mendapatkan informasi intend to obtain the Bank’s information on a regular basis can send
Bank secara berkala dapat mengirimkan pesan melalui email messages via email and can register their identity and email address
tersebut dan dapat mendaftarkan identitas serta alamat emailnya on mailing list via the Bank’s website www.victoriabank.co.id.
pada mailing list melalui situs Bank www.victoriabank.co.id.
Siaran Pers Press Conference

Siaran pers yang dilaksanakan Bank Victoria selama tahun 2019 Press conference conducted by Bank Victoria in 2019 is explained
dijelaskan sebagai berikut. as follows.

Tanggal Siaran Pers

Date Press Conference
1 Maret 2019 RUPS Luar Biasa Bank Victoria

1 March 2019 Bank Victoria’s Extraordinary GMS
25 Maret 2019 Ekspansi Bisnis, Bank Victoria Buka Kantor Cabang di Solo
25 March 2019 Business Expansion, Bank Victoria Opens Branch Office in Solo
Relokasi Cabang Senayan

30 April 2019
Relocation of Senayan Branch Office
10 Mei 2019 RUPS Tahunan Bank Victoria Tahun Buku 2018

10 May 2019 Bank Victoria’s Annual GMS of Fiscal Year 2018
27 Mei 2019 Acara Buka Puasa Bank Victoria 2019

27 May 2019 Bank Victoria’s 2019 Break Fasting Event
11 Juni 2019 Halal Bihalal Bank Victoria 2019

11 June 2019 Bank Victoria’s 2019 Halal Bihalal Gathering Event
12 Juli 2019 Bank Victoria memberikan dukungan penuh kepada Tira-Persikabo

12 July 2019 Bank Victoria gives full support to Tira-Persikabo
4 Agustus 2019 Bank Victoria raih Penghargaan The Best Risk Management 2019
4 August 2019 Bank Victoria achieved the 2019 Best Risk Management Award
14 Agustus 2019 Partisipasi Bank Victoria dalam acara Donor Darah bersama IBI
14 August 2019 Bank Victoria participates in Blood Donation event with IBI
23 Agustus 2019 Bank Victoria Raih Penghargaan 1st The Best Indonesia GCG Implementation 2019
23 August 2019 Bank Victoria Achieved the 1st Award of The Best Indonesia GCG Implementation 2019
Bank Victoria Raih Penghargaan Marketing Award 2019

11 September 2019
Bank Victoria Achieved Marketing Award 2019
Bank Victoria Perluas Jaringan, Medan Menjadi Kota Pilihan Selanjutnya

23 September 2019
Bank Victoria Expands its Network, Medan became the Next Choice of City
Bank Victoria Raih Penghargaan Dalam Ajang IPBA 2019

27 September 2019
Bank Victoria Achieved an Award in IPBA Award 2019
2 Oktober 2019 Celebrating 25th Anniversary melalui Program Victoria Run 2019
2 October 2019 Celebrating the 25th Anniversary through Victoria Run Program 2019
18 Oktober 2019 Victoria Blood Donor Day 2019

18 October 2019 Victoria Blood Donor Day 2019
Paparan publik Bank Victoria

15 November 2019
Bank Victoria Public Expose
4 Desember 2019 Bank Victoria Meraih Penghargaan Best Business Partner 2019
4 December 2019 Bank Victoria Achieved the Best Business Partner 2019
6 Desember 2019 Kerja sama PT Bank Victoria dengan PT Asuransi Jasindo

6 December 2019 Cooperation of PT Bank Victoria and PT Asuransi Jasindo
6 Desember 2019 Kerja Sama VIP Investa Link Assurance dengan Victoria Life Indonesia
6 December 2019 Cooperation of VIP Investa Link Assurance and Victoria Life Indonesia
6 Desember 2019 Perayaan Natal dan Tahun Baru Bank Victoria 2019
6 December 2019 Bank Victoria’s 2019 Christmas and New Year Celebration
30 Desember 2019 Victoria Peduli - SLB Insan Mandiri

30 December 2019 Victoria Care - Special Education School Insan Mandiri
Buletin Bulletin
Sebagai bentuk kemudahan akses informasi bagi para Pemangku As a form of convenience information access for the Stakeholders,
Kepentingan, Bank Victoria telah mengeluarkan media Bank Victoria delivers information provision through a bulletin
penyampaian informasi berupa buletin yang dikenal dengan known as Victoria News. Following is a table related to information
nama Victoria News. Berikut tabel terkait penyampaian informasi provided in Victoria News, published in 2019.
melalui Victoria News yang terbit selama tahun 2019.

Konten Buletin Edisi

Content of the Bulletin Edition
• CNBC Indonesia; • CNBC Indonesia; April 2019
• Taddabur Alam Bank Victorial; dan • Taddabur Alam of Bank Victoria; and
• Pepindahan Lokasi KCP Senayan City. • Relocation of Senayan City Sub-branch Office
• Retreat Persekutuan Doa; • Prayer Community Retreat; Mei-Juni 2019

• Pemberian Bantuan Kepada Panti Asuhan Al • Providing Aid to the Al Muhajirin Ar May-June 2019
Muhajirin Ar Rohmaniyah; Rohmaniyah Orphanage;
• Buka Puasa Bersama Bank Victoria; dan • Bank Victoria’s Breakfasting Gathering Event;
and
• Halal Bihalal Bank Victoria • Bank Victoria’s Halal Bihalal Gathering Event
• Frontliner Development Program; • Frontliner Development Program; Juli 2019

• Bank Victoria Beri Dukungan Penuh Kepada • Bank Victoria Gives Full Support to Tira July 2019
Tira Persikabo; dan Persikabo; and
• Performance Review Bank Victoria. • Performance Review of Bank Victoria.
• Bank Victoria Kembali Meraih Prestasi; • Bank Victoria Reaches Another Achievement; Agustus 2019
• Victoria Run 2019; • Victoria Run 2019; August 2019
• Ketoprak Financial Laksamana Cheng Ho; dan • Financial Ketoprak Admiral Cheng Ho; and
• Rayakan Kemerdekaan Republik Indonesia • Celebrating the 74th Independence of the
Ke-74, Cabang Surabaya Mengadakan Lomba Republic of Indonesia, Surabaya Branch Holds
dan Bakti Sosial. Competition and Social Services.
• Bank Victoria Perluas Jaringan, Medan • Bank Victoria Expands its Network, Medan September 2019
Menjadi Kota Selanjutnya; became the Next Choice of City;
• Bank Victoria Raih Penghargaan The Best in • Bank Victoria Achieves an Award of the Best in
Marketing Campaign; dan Marketing Campaign; and
• Bank Victoria Kembali Raih Penghargaan. • Bank Victoria Reaches Another Achievement.
Transparansi Laporan Keuangan Transparency of Financial Statements

dan Non Keuangan and Non-Financial Statements
Prinsip transparansi selalu diterapkan Bank dalam menyampaikan Principle of transparency is constantly applied by the Bank in
laporan yang telah dibuat. Laporan tersebut meliputi laporan delivering reports. These reports are the financial statements,
keuangan, laporan kinerja Bank, laporan atas hasil RUPS, dan the Bank’s performance reports, reports on GMS resolutions, and
laporan lain-lain yang disampaikan kepada regulator. Berikut other reports submitted to the regulator. Below is the reports
laporan yang telah disampaikan Bank Victoria pada tahun 2019. submitted by Bank Victoria throughout 2019.
Uraian Tanggal
Description Date
Laporan Registrasi Pemegang Saham

Shareholders Register Report
Desember 2018/ December 2018 7 Januari 2019/ 7 January 2019
Januari 2019/January 2019 7 Februari 2019/ 7 February 2019
Februari 2019/ February 2019 6 Maret 2019/ 6 March 2019
Maret 2019/ March 2019 5 April 2019
April 2019 6 Mei 2019/ 6 May 2019
Mei 2019/ May 2019 10 Juni 2019/ 10 June 2019
Juni 2019/ June 2019 8 Juli 2019/ 8 July 2019
Juli 2019/ July 2019 6 Agustus 2019/ 6 August 2019
Agustus 2019/ August 2019 5 September 2019
September 2019 8 Oktober 2019/ 8 October 2019
Oktober 2019/ October 2019 5 November 2019
November 2019 6 Desember 2019/ 6 December 2019
Laporan Realisasi Penggunaan Dana

Realization Report of Use of Proceeds
035/DIR-EKS/07/19 12 Juli 2019/ 12 July 2019

Uraian Tanggal
Description Date
Laporan Pihak Terkait

Reports of Related Parties
067/DIR-EKS/01/19 28 Januari 2019/ 28 January 2019
088/DIR-EKS/02/19 22 Februari 2019/ 22 February 2019
044/DIR-EKS/03/19 20 Maret 2019/ 20 March 2019
045/DIR-EKS/03/19 22 Maret 2019/ 22 March 2019
008/DIR-EKS/04/19 2 April 2019
009/DIR-EKS/04/19 2 April 2019
040/DIR-EKS/04/19 9 April 2019
006/CORSEC-EKS/04/19 16 April 2019
027/DIR-EKS/05/19 8 Mei 2019/ 8 May 2019
002/CORSEC-EKS/05/19 14 Mei 2019/ 14 May 2019
066/DIR-EKS/05/19 16 Mei 2019/ 16 May 2019
081/DIR-EKS/05/19 21 Mei 2019/ 21 May 2019
090/DIR-EKS/05/19 28 Mei 2019/ 28 May 2019
006/CORSEC-KES/05/19 29 Mei 2019/ 29 May 2019
009/DIR-EKS/06/19 10 Juni 2019/ 10 June 2019
002/CORSEC-EKS/06/19 13 Juni 2019/ 13 June 2019
042/DIRE-EKS/06/19 25 Juni 2019/ 25 June 2019
057/DIR-EKS/06/19 27 Juni 2019/ 27 June 2019
Laporan Transaksi Afiliasi

Reports of Affiliated Parties
067/DIR-EKS/01/19 28 Januari 2019/ 28 January 2019
001/CORSEC-EKS/03/19 1 Maret 2019/ 1 March 2019
005/CORSEC-EKS/04/16 12 April 2019
002/DIR-EKS/12/19 3 Desember 2019/ 3 December 2019
001/CORSEC-EKS/12/19 9 Desember 2019/ 9 December 2019
Laporan Keuangan Tahunan kepada Departemen Perindustrian dan Perdagangan

Annual Financial Statements to the Ministry of Industry and Trade
Laporan Penjelasan Atas Volatilitas Saham

Explanation Report on Share Volatility
004/CORSEC-EKS/10/19 29 Oktober 2019/ 29 October 2019

Implementasi Tata Kelola Terintegrasi

// Implementation of Integrated Governance
Tata kelola terintergrasi adalah suatu tata kelola yang menerapkan Integrated governance is a governance that applies principles
prinsip-prinsip keterbukaan (transparency), akuntabilitas of integrated transparency, accountability, responsibility,
(accountability), pertanggungjawaban (responsibility), independensi independence or professional and fairness in Financial
(independency) atau profesional (professional) dan kewajaran Conglomeration. Financial Conglomeration means Financial
(fairness) secara terintegrasi dalam Konglomerasi Keuangan. Adapun Services Institutions that are in one group or circle due to
yang dimaksud dengan Konglomerasi Keuangan adalah Lembaga ownership and/or control relations.
Jasa Keuangan yang berada dalam satu grup atau kelompok karena
keterkaitan kepemilikan dan/atau pengendalian.
Konglomerasi Keuangan wajib menerapkan Tata Kelola Financial Conglomeration is obligated to apply Integrated
Terintegrasi secara komprehensif dan efektif serta memiliki Governance comprehensively and effectively and to have structure
struktur yang terdiri dari Entitas Utama dan Entitas Anak dan/atau that consists of Main Entity and subsidiary Entities and/or
Perusahaan Terelasi beserta perusahaan anaknya. Konglomerasi Affiliated Company and its subsidiary companies. Such Financial
Keuangan yang dimaksud meliputi jenis Lembaga Jasa Keuangan Conglomeration includes type of Financial Services Institutions
seperti Bank, Perusahaan Asuransi dan Reasuransi, Perusahan such as Banks, Insurance and Re-insurance Companies, Stock
Efek dan/atau Perusahaan Pembiayaan. Exchange Companies and/or Financing Companies.
Dalam mewujudkan penerapan tata kelola terintegrasi, Grup In order to actualize the implementation of integrated governance,
Victoria berkoordinasi dengan Otoritas Jasa keuangan (OJK) Victoria Group in coordination with Financial Services Authority
menunjuk Bank Victoria International sebagai Entitas utama (OJK) appointed Bank Victoria International as Main Entity and
dan 5 (lima) LJK sebagai Anggota Konglomerasi Keuangan Grup 5 (five) Financial Services Institutions as Members of Victoria
Victoria, yaitu: Group’s Financial Conglomeration, namely:
1. PT Bank Victoria Syariah (BVIS); 1. PT Bank Victoria Syariah (BVIS);
2. PT Victoria Manajemen Investasi (VMI); 2. PT Victoria Manajemen Investasi (VMI);
3. PT Victoria Sekuritas Indonesia (VSI); 3. PT Victoria Sekuritas Indonesia (VSI);
4. PT Victoria Insurance Tbk (VINS); dan 4. PT Victoria Insurance Tbk (VINS); and
5. PT Victoria Alife Indonesia (VAI). 5. PT Victoria Alife Indonesia (VAI).
Dasar Penerapan Tata Kelola Terintegrasi Basis of Implementation of Integrated

Governance
Dasar penerapan tata kelola terintegrasi Bank mengacu pada Basis of implementation of the Bank's integrated governance
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 tanggal refers to the Financial Services Authority Regulation No 18/
18 November 2014 dan Surat Edaran Otoritas Jasa Keuangan No. POJK.03/2014 dated 18 November 2014 and Circular of Financial
15/SEOJK.03/2015 tanggal 25 Mei 2015 mengenai Penerapan Tata Services Authority No. 15/SEOJK.03/2015 dated 25 May 2015
Kelola Terintegrasi (TKT) bagi Konglomerasi Keuangan. Ketentuan on Implementation of Integrated Governance for Financial
tersebut mengatur perihal pembentukan Konglomerasi Conglomeration. Such provision regulates the formation of
Keuangan, penunjukan Entitas Utama (EU) dalam konglomerasi Financial Conglomeration, appointment of Main Entity (EU) in
keuangan dan penerapan TKT secara komprehensif dan efektif. financial conglomeration and implementation of Integrated
Governance (TKS) in a comprehensive and effective manner.

Entitas Usaha dalam Tata Kelola Terintegrasi Business Entity in Integrated Governance
Entitas Utama Main Entity
Susunan Direksi dan Komisaris Entitas Utama per akhir tahun Composition of Board of Directors and Board of Commissioners
2019 sebagai berikut. of the Main Entity by the end of 2019 is as follows.
Komisaris Entitas Utama

Board of Commissioners of Main Entity
Nama Jabatan Penilaian Kemampuan dan Kepatutan

Name Position Fit and Proper Test
Oliver simorangkir Komisaris Utama / President Commissioner Lulus / Pass
Gunawan Tenggarahardja Lulus / Pass
Zaenal Abidin, PhD Lulus / Pass
Direksi Entitas Utama

Board of Commissioners of Main Entity

Ahmad Fajar Direktur Utama / President Director Lulus / Pass
Rusli Wakil Direktur Utama / Deputy President Director Lulus / Pass
Lembing Direktur / Director Lulus / Pass
Debora Wahjutirto Tanoyo Direktur / Director Lulus / Pass
Direktur Kepatuhan dan Manajemen Risiko / Director of

Tamunan Lulus / Pass
Compliance and Risk Management
Ramon Marlon Runtu* Direktur / Director Lulus / Pass

LJK – Anggota Grup Victoria Financial Services Institution (LJK) - Member of

Victoria Group
Susunan Direksi dan Komisaris anggota Grup Victoria per akhir Composition of Board of Directors and Board of Commissioners
tahun 2019 sebagai berikut. of Victoria Group by the end of 2019 is as follows.
Komisaris LJK
Board of Commisioners of Main Entity

Komisaris Utama/Independen / President Commissioner/
Achmad Friscantono* Fit and Proper Test
Independent
Sari Idayanti Komisaris / Commissioner Lulus / Pass
Djoko Nugroho Komisaris Independen / Independent Commissioner Lulus / Pass
* Efektif setelah lulus Fit and Proper Test.

* Effective after passing Fit and Proper Test.


Marcia Maria Tri Martini Komisaris Utama / President Commissioner Lulus / Pass
Jejei Kurnia Komisaris Independen / Independent Commissioner Lulus / Pass
Victoria Insurance

Sulistijowati Komisaris Utama / President Commissioner Lulus / Pass
Vikas Tolani Komisaris Independen / Independent Commissioner Lulus / Pass
Jimmy Paulus Watulingas Komisaris Independen / Independent Commissioner Lulus / Pass

Komisaris Utama/Komisaris Independen
Antonius Tjipto Prastowo Lulus / Pass
President Commissioner/Independent Commissioner
Aldo Tjahaja Komisaris / Commissioner Lulus / Pass

Hertanto Tjahyasurya Komisaris Utama / President Commissioner Lulus / Pass
Andreas Freddy Pieloor Komisaris Independen / Independent Commissioner Lulus / Pass
Hasan Basri Sagala Komisaris Independen / Independent Commissioner Lulus / Pass
Direksi LJK
Board of Directors of Main Entity

Sugiharto Direktur Utama / President Director Lulus / Pass
Andy Sundoro Direktur / Director Lulus / Pass
Deddy Effendi Ridwan Direktur / Director Lulus / Pass
Direktur Kepatuhan
Nurani Raswindriati Lulus / Pass

Juntrihary M Fairly Direktur Utama / President Director Lulus / Pass
Linda Merliana Direktur / Director Lulus / Pass
Andrew Arya Saputra Direktur / Director Lulus / Pass

Victoria Insurance

Suwandi Suharto Direktur Utama / President Director Lulus / Pass
Suryadi Direktur / Director Lulus / Pass
Fatchurhuda Direktur / Director Lulus / Pass

Yangky Halim Direktur Utama / President Director Lulus / Pass
R Agustinus Wisnu Widodo Direktur / Director Lulus / Pass
Wira Kusuma Direktur / Director Lulus / Pass

Dedi Kusnadi Direktur Utama / President Director Lulus / Pass
Deddy Maryadi Yoeshar Direktur Bisnis / Director of Business Lulus / Pass
Abdul Wahab Ismed Direktur Kepatuhan / Director of Compliance Lulus / Pass
Devi Lidia Direktur Operasional / Director of Operations Lulus / Pass
Asesmen Tata Kelola Terintegrasi Assessment of Integrated Governance

Berikut uraian terkait asesmen tata kelola terintegrasi selama Below is the description of integrated governance assessment
tahun 2019. throughout 2019.
Peringkat Definisi Peringkat

Rating Definition of Ratings
2 Secara terintegrasi, yaitu Bank Victoria dan anggota Lembaga Jasa Keuangan (LJK) Konglomerasi Keuangan, telah melakukan
penerapan tata kelola terintegrasi yang secara umum baik, tercermin dari masing-masing LJK telah menerapkan 7 (tujuh) aspek yang
telah dituangkan dalam analisis.
In an integrated manner, Bank Victoria and members of the Financial Services Institution (LJK) of the Financial Conglomeration have
implemented the integrated governance that is generally good, as reflected in each of the LJKs having applied the 7 (seven) aspects
outlined in the analysis.

Direksi Entitas Utama 2 Governance Structure:
dan LJK Grup Victoria • Anggota Direksi Entitas Utama telah memenuhi jumlah, komposisi, kriteria dan independensi serta
Director of the Main kompetensi sesuai ketentuan Otoritas Jasa Keuangan;
Entity and LJK of Victoria • Direksi Entitas Utama memiliki integritas, kompetensi dan reputasi keuangan, yang telah memperoleh
Group persetujuan dari Otoritas Jasa Keuangan;
• Direksi anggota LJK Konglomerasi Keuangan Grup Victoria mempunyai integritas, kompetensi dan reputasi
keuangan sesuai dengan kebijakan yang berlaku masing-masing;
• Direksi tidak memiliki hubungan keluarga sampai dengan derajat kedua maupun keuangan dengan anggota
Direksi lainnya dan/atau anggota Komisaris;
• Direksi tidak memiliki jabatan rangkap sebagai Komisaris, Direksi atau Pejabat Eksekutif pada Bank,
perusahaan dan/atau lembaga keuangan lain, kecuali untuk jabatan lain sebagaimana diperkenankan oleh
ketentuan regulator;
• Direksi Entitas Utama dan LJK dalam menjalankan tugasnya dibantu oleh beberapa Komite dibawah Direksi
serta Unit-Unit terkait;
• PT Victoria Alife Indonesia sudah memiliki Direktur Utama sejak 20 Desember 2019 yang dituangkan di dalam
Akta Notaris No. 149 dengan Notaris Yunita, SH, MKn; dan
• Menunjuk Peraturan Otoritas Jasa Keuangan No. 43/POJK.05/2019 tentang perubahan Peraturan Otoritas
Jasa Keuangan No. 73/POJK.05/2016, pada akhir tahun 2019 Direktur Kepatuhan PT Victoria Insurance Tbk
sedang dalam proses pengajuan fit and proper.


• Members of Board of Directors of Main Entity have met the number, composition, criteria, and independence,
as well as competences in accordance with the provisions of the Financial Services Authority;
• The Board of Directors of Main Entity has integrity, competence, and financial reputation, which have been
approved by the Financial Services Authority;
• The Board of Directors of members of LJK of Victoria Group’s Financial Conglomeration has integrity,
competence, and financial reputation in accordance with the respective applicable policy;
• The Board of Directors has no family relationship up to the second degree or financial relationship with other
members of Board of Directors and/or members of Board of Commissioners;
• The Board of Directors has no concurrent positions as Commissioner, Director, or Executive Officer at a bank,
company, and/or other financial institution, except for other positions as permitted by the regulatory provisions;
• The Board of Directors of Main Entity and LJK in carrying out its duties is assisted by several Committees
under the Board of Directors and related Units;
• PT Victoria Alife Indonesia already has a President Director since 20 December 2019 as outlined in Notarial
Deed No. 149 made by Notary Yunita, SH, MKn; and
• Referring to the Financial Services Authority Regulation No. 43/POJK.05/2019 on Amendment to Financial
Services Authority Regulation No. 73/POJK.05/2016, at the end of 2019 the Director of Compliance of PT
Victoria Insurance Tbk was in the process of applying for fit and proper.
Governance Process:
• Direksi Entitas Utama dan LJK Konglomerasi Keuangan Grup Victoria telah membuat Pedoman Tata Kelola
untuk masing-masing LJK sesuai dengan ketentuan yang berlaku;
• Direksi Entitas Utama telah mengarahkan, memantau dan mengevaluasi Pelaksanaan Pedoman Tata Kelola
Terintegrasi;
• Direksi Entitas Utama telah menindaklanjuti arahan atau nasihat Dewan Komisaris dalam rangka
penyempurnaan Pedoman Tata Kelola Terintegrasi; dan
• Direksi Entitas Utama telah memantau temuan SKAI Terintegrasi.
Governance Process:
• The Board of Directors of Main Entity and LJK of Victoria Group’s Financial Conglomeration has made
Governance Guidelines for each LJK in accordance with the applicable regulations;
• The Board of Directors of Main Entity has directed, monitored, and evaluated the Implementation of
Integrated Governance Guidelines;
• The Board of Directors of Main Entity has followed up on the directions or advice of the Board of
Commissioners in the context of perfecting the Integrated Governance Guidelines; and
• The Board of Directors of Main Entity has monitored the Integrated SKAI findings.
Governance Outcome:
• Pedoman Tata Kelola Terintegrasi telah dibuat dan disempurnakan sesuai arahan dari Dewan Komisaris;
• Direksi Entitas Utama telah memastikan bahwa temuan audit dan rekomendasi dari:
a. SKAI Terintegrasi;
b. Auditor Eksternal; dan
c. Hasil Pengawasan Otoritas Jasa Keuangan
Telah ditindaklanjuti oleh seluruh LJK dalam Konglomerasi Keuangan.
• Direksi anggota LJK telah memastikan bahwa temuan dan rekomendasi hasil pemeriksaan telah
ditindaklanjuti sesuai dengan ketentuan yang berlaku.
Governance Outcome:
• The Integrated Governance Guidelines have been prepared and perfected according to the directions of the
Board of Commissioners;
• The Board of Directors of Main Entity has ensured that audit findings and recommendations from:
a. Integrated SKAI;
b. External Auditor; and
c. Financial Services Authority Monitoring Results
Have been followed up by all LJKs in the Financial Conglomeration.
• The Board of Directors of LJK members has ensured that the findings and recommendations of the audit
results have been followed up in accordance with the applicable regulations.


Dewan Komisaris Entitas 2 Governance Structure:
Utama dan LJK Grup • Anggota Dewan Komisaris Entitas Utama telah memenuhi jumlah, komposisi, kriteria dan independensi serta
Victoria kompetensi sesuai ketentuan Otoritas Jasa Keuangan;
The Board of • Dewan Komisaris Entitas Utama dan anggota LJK Konglomerasi Keuangan Grup Victoria memiliki
Commissioners of Main pengetahuan mengenai Entitas Utama, pemahaman kegiatan bisnis utama dan risiko utama dari anggota
Entity and LJK of Victoria LJK dalam konglomerasi Keuangan;
Group • Komisaris Utama Bank Victoria Syariah masih menunggu fit and proper test; dan
• Dalam menjalankan fungsinya, Komisaris dibantu oleh Komite, saat ini Komite Pemantau Risiko dan Komite
Nominasi dan Remunerasi Victoria Insurance belum memiliki anggota Independen.
• Members of Board of Commissioners of Main Entity have met the number, composition, criteria, and
independence, as well as competences in accordance with the provisions of the Financial Services Authority;
• The Board of Commissioners of Main Entity and LJK members of Victoria Group’s Financial Conglomeration
have knowledge of the Main Entity, understanding of the main business activities and main risks of LJK
members in the Financial Conglomeration;
• President Commissioner of Bank Victoria Syariah is still waiting for the fit and proper test; and
• In carrying out its functions, the Commissioner is assisted by Committees. Currently, the Risk Monitoring
Committee and the Nomination and Remuneration Committee of Victoria Insurance do not yet have
Independent member.
Governance Process:
• Dewan Komisaris Entitas Utama telah melakukan pengawasan terhadap kinerja Direksi, dengan mekanisme
melalui evaluasi pelaporan dan rapat-rapat;
• Dewan Komisaris anggota LJK Konglomerasi Keuangan Grup Victoria telah bergabung menjadi anggota
Komite Tata Kelola Terintegrasi Entitas Utama;
• Dewan Komisaris anggota LJK Konglomerasi Keuangan Grup Victoria telah melakukan pengawasan terhadap
kinerja Direksi dengan mekanisme melalui evaluasi pelaporan dan rapat;
• Dalam melaksanakan tugasnya Dewan Komisaris Entitas Utama berdasarkan pada Pedoman yang telah
ditetapkan serta memperhatikan prinsip-prinsip Tata Kelola yang baik dan ketentuan yang berlaku; dan
• Dewan Komisaris telah memberikan arahan dan nasehat kepada Direksi dalam proses pembuatan Pedoman
Tata Kelola Terintegrasi.
Governance Process:
• The Board of Commissioners of Main Entity has supervised the performance of the Board of Directors
through the mechanism of reporting evaluation and meetings;
• The Board of Commissioners of members of LJK of Victoria Group’s Financial Conglomeration has joined as
a member of the Main Entity’s Integrated Governance Committee;
• The Board of Commissioners of members of LJK of Victoria Group’s Financial Conglomeration has overseen
the performance of Board of Directors through the mechanism of reporting evaluation and meetings;
• In carrying out its duties, the Board of Commissioners of Main Entity refers to the predetermined Guidelines
as well as considers the principles of good Governance and applicable provisions; and
• The Board of Commissioners has provided direction and advice to the Board of Directors in the process of
preparing the Integrated Governance Guidelines.
Governance Outcome:
• Pada tahun 2019, telah dilakukan 3 (tiga) kali rapat Dewan Komisaris Entitas Utama, yaitu:
a. 19 Januari 2019;
b. 13 Februari 2019; dan
c. 8 Agustus 2019.
• Hasil rapat Dewan Komisaris Entitas Utama telah dituangkan dalam risalah rapat dan didokumentasikan
dengan baik dan tidak terdapat Dissenting Opinions dalam peserta rapat; dan
• Rekomendasi yang disampaikan atau dituangkan dalam risalah rapat telah ditindaklanjuti dan dimonitor
secara berkesinambungan oleh Direksi Entitas Utama.
Governance Outcome:
• In 2019, 3 (three) meetings of the Board of Commissioners of Main Entity were held on:
a. 19 January 2019;
b. 13 February 2019; and
c. 8 August 2019.
• The meeting results of Board of Commissioners of Main Entity have been stated in minutes of meeting and
are well documented and there are no Dissenting Opinions among the meeting participants; and
• The recommendations submitted or stated in the minutes of meeting have been followed up and monitored
continuously by the Board of Directors of Main Entity.


Komite Tata Kelola 2 Governance Structure:
Terintegrasi • Komposisi dan kompetensi anggota komite Entitas Utama dan masing-masing LJK telah sesuai dengan
Integrated Governance ukuran dan kompleksitas usaha; dan
Committee • Jumlah dan komposisi Komisaris Independen yang menjadi anggota Komite Tata Kelola Terintegrasi telah
sesuai dengan kebutuhan konglomerasi Keuangan serta efisiensi dan efektivitas pelaksanaan tugas Komite
Tata Kelola Terintegrasi dengan memperhatikan keterwakilan masing-masing sektor jasa keuangan.
• The composition and competence of committee members of Main Entity and each LJK are already in
accordance with the business size and complexity; and
• The number and composition of Independent Commissioner who becomes member of Integrated Governance
Committee are already in accordance with the Financial Conglomeration needs as well as the efficiency
and effectiveness of duty implementation of the Integrated Governance Committee and by considering the
representation for each financial services sector.
Governance Process:
• Komite Tata Kelola Terintegrasi mengevaluasi dan memberikan pendapat kepada Dewan Komisaris terhadap
laporan atau hal-hal yang disampaikan oleh Direksi kepada Dewan Komisaris; dan
• Komite Kelola Terintegrasi telah menyelenggarakan rapat Komite Tata Kelola Terintegrasi yang dihadiri oleh
seluruh komisaris dan wakil dari anggota LJK Konglomerasi Keuangan.
Governance Process:
• The Integrated Governance Committee evaluates and provides opinion to the Board of Commissioners on the
reports or matters submitted by the Board of Directors to the Board of Commissioners; and
• The Integrated Governance Committee has organized the Integrated Governance Committee meetings which
were attended by all commissioners and representatives of LJK members of the Financial Conglomeration.
Governance Outcome:
• Komite Tata Kelola Terintegrasi telah mengevaluasi pelaksanaan Tata Kelola Terintegrasi, melalui rapat dan
informasi dari rapat Satuan Kerja Kepatuhan, Satuan Kerja Audit Terintegrasi, Komite Manajemen Risiko
Terintegrasi, dan rapat komite Tata Kelola Terintegrasi;
• Komite Tata Kelola Terintegrasi telah memberikan rekomendasi kepada Dewan Komisaris Entitas Utama
untuk penyempurnaan Pedoman Tata Kelola Terintegrasi; dan
• Pada tahun 2019, telah dilakukan 3 (tiga) kali rapat Komite Tata Kelola Terintegrasi yaitu:
a. 19 Januari 2019;
b. 13 Februari 2019; dan
c. 8 Agustus 2019.
Hasil risalah rapat telah didokumentasi dengan baik.
Governance Outcome:
• The Integrated Governance Committee has evaluated the implementation of Integrated Governance,
through meetings and information from meetings of the Compliance Work Unit, Integrated Audit Work Unit,
Integrated Risk Management Committee, and Integrated Governance Committee;
• The Integrated Governance Committee has provided recommendations to the Board of Commissioners of
Main Entity to improve the Integrated Governance Guidelines; and
• In 2019, 3 (three) meetings of the Integrated Governance Committee were held on:
a. 19 January 2019;
b. 13 February 2019; and
c. 8 August 2019.
The results of the minutes of meetings have been well-documented.
Satuan Kerja Kepatuhan 2 Governance Structure:

Terintegrasi • Satuan Kerja Kepatuhan Terintegrasi dalam menjalankan fungsinya adalah independen dari Satuan Kerja
Integrated Compliance Operasional atau Satuan Kerja Lainnya; dan
Work Unit • Direksi Entitas Utama telah menetapkan SDM/personil yang memenuhi syarat dan kriteria dalam mengemban
tugas dan tanggung jawab pada Satuan Kerja Kepatuhan Terintegrasi.
• The Integrated Compliance Work Unit in carrying out its functions is independent of the Operational Work
Unit or Other Work Units; and
• The Board of Directors of Main Entity has determined the HR/personnel who meet the requirements and
criteria in carrying out the duties and responsibilities of the Integrated Compliance Work Unit.
Governance Process:
Satuan Kerja kepatuhan Terintegrasi telah memantau dan mengevaluasi fungsi kepatuhan di Entitas Utama dan
pada anggota LJK dalam konglomerasi Keuangan melalui rapat-rapat dan melalui permintaan laporan/data atau
informasi.
Governance Process:
The Integrated Compliance Work Unit has monitored and evaluated the compliance function in the Main Entity
and LJK members in the Financial Conglomeration through meetings and through requests for reports/data or
information.


Governance Outcome:
• Satuan Kerja Kepatuhan Terintegrasi telah menyampaikan Laporan Kepatuhan Terintegrasi kepada Direktur
Kepatuhan dan Manajemen Risiko Terintegrasi secara periodik;
• Satuan Kerja Kepatuhan Terintegrasi melalui rapat-rapat telah menyampaikan informasi pelaksanaan tugas
dan tanggung jawab kepada Direktur Kepatuhan dan Manajemen Risiko Terintergrasi secara periodik;
• Pada tahun 2019, telah dilakukan 4 (empat) kali rapat yaitu:
a. 19 Januari 2019 bersama Komite TataKelola;
b. 2 Januari 2019 bersama SKK Grup Victoria;
c. 13 Februari 2019 bersama Komite Tata Kelola; dan
d. 8 Agustus 2019 bersama Komite Tata Kelola.
Hasil rapat telah diadministrasikan dan tindak lanjut telah dilakukan berdasarkan notulen rapat-rapat
dimaksud; dan
• Satuan Kerja Kepatuhan Terintegrasi Entitas Utama telah memantau Satuan Kerja Kepatuhan LJK melalui
Self Assessment Kepatuhan Terintegrasi secara Triwulanan terhadap LJK dan hasilnya didokumentasikan
dengan baik.
Governance Outcome:
• The Integrated Compliance Work Unit has submitted the Integrated Compliance Report to the Director of
Compliance and Integrated Risk Management periodically;
• The Integrated Compliance Work Unit through meetings has periodically conveyed information on the
implementation of duties and responsibilities to the Director of Compliance and Risk Management;
• In 2019, 4 (four) meetings were held as follows:
a. 19 January 2019 with the Governance Committee;
b. 2 January 2019 with Victoria Group’s SKK;
c. 13 February 2019 with the Governance Committee; and
d. 8 August 2019 with the Governance Committee.
The meeting results have been administered and follow-up has been carried out based on the minutes of
these meetings; and
• The Integrated Compliance Work Unit of Main Entity has monitored the LJK’s Compliance Work Unit through
Self-Assessment of Integrated Compliance of the LJK Quarterly and the results are well documented.
SKAI Terintegrasi 2 Governance Structure:

Integrated Internal Audit • SKAI Terintegrasi dalam menjalankan fungsinya adalah independen dari Satuan Kerja Operasional atau
Unit/SKAI Satuan Kerja Lainnya;
• Direksi Entitas Utama telah menetapkan SDM/personil yang memenuhi syarat dan kriteria dalam mengemban
tugas dan tanggung jawab pada SKAI Terintegrasi; dan
• Audit Internal Integrated telah memiliki kebijakan Audit Internal Integrated Group Victoria melalui Surat
Keputusan Direksi No. 013/SK-DIR/03/18 tanggal 28 Maret 2018 dan Surat Edaran Direksi No. 003/SE-
DIR/03/18 tanggal 28 Maret 2018 mengenai Petunjuk Pelaksanaan (Juklak) Penyusunan Laporan Audit Internal
Integrated LJK Grup Victoria.
• The Integrated SKAI in carrying out its functions is independent of the Operational Work Unit or Other Work Units;
• The Board of Directors of Main Entity has determined the HR/personnel who meet the requirements and
criteria in carrying out the duties and responsibilities of the Integrated SKAI; and
• The Integrated Internal Audit already has Victoria Group's Integrated Internal Audit policy through the Board
of Directors’ Decision Letter No. 013/SK-DIR/03/18 dated 28 March 2018 and Board of Directors’ Circular No.
003/SE-DIR/03/18 dated 28 March 2018 on the Implementation Guidelines (Juklak) for the Preparation of
Integrated Internal Audit Report of Victoria Group's LJKs.
Governance Process:
• Audit Internal integrated telah memantau Laporan Hasil Audit pada masing-masing anggota LJK dan
mengkomunikasikan hasilnya pada rapat;
• Audit Internal Integrated memantau pelaksanaan audit intern pada masing-masing LJK melalui laporan
pokok- pokok pelaksanaan audit yang disampaikan oleh masing-masing LJK setiap triwulan dan memberikan
rekomendasi atau saran yang diperlukan yang akan dilaksanakan dengan metode baru, yaitu dengan
menggunakan Tabel Risk Control Rating.
Governance Process:
• The Integrated Internal Audit has monitored the Audit Reports on each LJK member and communicated the
results at the meetings;
• The Integrated Internal Audit monitors the implementation of internal audits in each LJK through
reports on the principal implementation of the audit submitted by each LJK every quarter and provides
recommendations or necessary suggestions that will be carried out using a new method, by using the Risk
Control Rating Table.


Governance Outcome:
• Laporan Audit Internal Integrated telah disampaikan kepada pihak terkait secara berkala;
• SKAI Terintegrasi menyampaikan laporan pelaksanan tugas dan tanggung jawabnya kepada:
a. Direktur Entitas Utama;
b. Dewan Komisaris Entitas Utama;
c. Direktur yang membawahkan fungsi Kepatuhan Entitas Utama;
• Audit Internal Integrated telah bertindak obyektif dalam melakukan pemantauan pelaksanaan audit; dan
• Rekomendasi hasil audit telah sesuai dengan permasalahan dan dapat digunakan sebagai acuan perbaikan.
Governance Outcome:
• The Integrated Internal Audit Reports have been submitted to related parties regularly;
• The Integrated SKAI submits report on the implementation of duties and responsibilities to:
a. Director of Main Entity;
b. Board of Commissioners of Main Entity;
c. Director in charge of Compliance function of the Main Entity;
• The Integrated Internal Audit has acted objectively in monitoring the implementation of audits; and
• Audit recommendations are already in accordance with the problem and can be used as a reference for
improvement.
Penerapan Manajemen 2 Governance Structure:

Risiko Terintegrasi • Entitas Utama telah memiliki struktur organisasi dalam mendukung penerapan Manajemen Risiko
Integrated Risk Terintegrasi yang tertuang dalam Surat Keputusan Direksi No. 006/SK-DIR/10/15 tanggal 28 Oktober 2015
Management tentang Kebijakan dan Pedoman Umum Manajemen Risiko Terintegrasi dan telah sesuai dengan Peraturan
Implementation Otoritas Jasa Keuangan No. 17/POJK.03/2014 tentang Penerapan Manajemen Risiko Terintegrasi bagi
konglomerasi Keuangan;
• Entitas Utama telah memiliki Susunan Keanggotaan Komite Manajemen Risiko Terintegrasi Group Victoria
yang tertuang dalam Surat Keputusan Direksi No. 007/SK-DIR/06/17 tanggal 22 Juni 2017;
• Entitas Utama telah memiliki Pedoman dan Tata Tertib Kerja Komite Manajemen Risiko Terintegrasi Grup
Victoria yang tertuang dalam Surat Keputusan Direksi No. 004/SK-DIR/09/15 tanggal 4 September 2015;
• Entitas Utama telah memiliki kebijakan dan Pedoman Umum Manajemen Risiko Terintegrasi yang tertuang
dalam Surat Keputusan Direksi No. 006/SK-DIR/10/15 tanggal 28 Oktober 2015;
• Entitas Utama telah memiliki Prosedur Penilaian Profil Risiko Terintegrasi melalui Surat Keputusan Direksi
No. 006/SK-DIR/04/19 tanggal 26 April 2019;
• Entitas Utama telah memiliki sistem informasi Manajemen Risiko Terintegrasi melalui Surat Keputusan
Direksi No. 010/SK-DIR/07/18 tentang Pedoman Aplikasi VISI (Victoria Integrated Sistem) tanggal 30 Juli 2018
untuk mendukung Sistem Informasi Manajemen Risiko; dan
• Entitas Utama telah melakukan kaji ulang Profil Risiko Terintegrasi tahun 2018, melalui Surat Rekomendasi
No. 01/SR/KMRT/III/19 tentang Kaji Ulang Profil Risiko Terintegrasi tahun 2018 tanggal 8 Maret 2019 yang
disetujui oleh Direksi Entitas Utama.
• The Main Entity already has an organizational structure to support the implementation of Integrated Risk
Management as set out in the Board of Directors’ Decision Letter No. 006/SK-DIR/10/15 dated 28 October 2015
on Integrated Risk Management Policies and General Guidelines, and already in accordance with the Financial
Services Authority Regulation No. 17/POJK.03/2014 on Implementation of Integrated Risk Management for
Financial Conglomeration;
• The Main Entity already has a Composition of Integrated Risk Management Committee of Victoria Group as
set out in the Board of Directors’ Decision Letter No. 007/SK-DIR/06/17 dated 22 June 2017;
• The Main Entity already has Guidelines and Work Procedures of Integrated Risk Management Committee of
Victoria Group as stipulated under the Board of Directors’ Decision Letter No. 004/SK-DIR/09/15 dated 4
September 2015;
• The Main Entity already has Policy and General Guidelines of Integrated Risk Management as set out in the
Board of Directors’ Decision Letter No. 006/SK-DIR/10/15 dated 28 October 2015;
• The Main Entity already has Assessment Procedure of Integrated Risk Profile through the Board of Directors’
Decision Letter No. 006/SK-DIR/04/19 dated 26 April 2019;
• The Main Entity already has Integrated Risk Management Information System as set out in the Board of
Directors’ Decision Letter No. 010/SK-DIR/07/18 on VISI Application Guidelines (Victoria Integrated System)
dated 30 July 2018 to support the Risk Management Information System; and
• The Main Entity has reviewed the Integrated Risk Profile in 2018, through Recommendation Letter No. 01/SR/
KMRT/III/19 on the Review of Integrated Risk Profile in 2018 dated 8 March 2019, which was approved by the
Board of Directors of Main Entity.
Governance Process:
Entitas Utama melalui Satuan Kerja Manajemen Risiko Terintegrasi dan Komite Manajemen Risiko Terintegrasi
telah menerapkan Manajemen Risiko Terintegrasi dalam Konglomerasi Keuangan secara komprehensif,
independen dan sesuai dengan ketentuan yang berlaku.
Governance Process:
The Main Entity through the Integrated Risk Management Work Unit and Integrated Risk Management
Committee has implemented Integrated Risk Management in the Financial Conglomeration comprehensively,
independently, and in accordance with the applicable regulations.


Governance Outcome:
• Penerapan Manajemen Risiko Terintegrasi telah sesuai dengan tujuan, karakteristik dan kompleksitas usaha
Entitas Utama dan LJK dalam konglomerasi Keuangan Victoria;
• Direksi dan Dewan Komisaris Entitas Utama telah mengimplementasikan manajemen risiko terintegrasi
sesuai dengan karakteristik dan kompleksitas usaha Konglomerasi Keuangan, memahami risiko dengan
baik pada konglomerasi Keuangan dan memastikan setiap LJK dalam konglomerasi Keuangan Victoria telah
menerapkan Manajemen Risiko Terintegrasi dan sesuai dengan ketentuan yang berlaku; dan
• Direksi dan Dewan Komisaris Entitas Utama telah melaksanakan tugas dan tanggung jawabnya sesuai
dengan Pedoman yang telah ditetapkan dan sesuai dengan ketentuan Otoritas Jasa Keuangan.
Governance Outcome:
• The implementation of Integrated Risk Management is already in accordance with the objectives,
characteristics, and complexity of the business of the Main Entity and LJK in Victoria Group’s Financial
Conglomeration;
• The Board of Directors and Board of Commissioners of Main Entity have implemented the integrated risk
management in accordance with the Financial Conglomerate's business characteristics and complexity, by
understanding the risks well in the Financial Conglomeration and ensuring that each LJK in Victoria Group’s
Financial Conglomeration has implemented the Integrated Risk Management and in accordance with the
applicable regulations; and
• The Board of Directors and Board of Commissioners of Main Entity have carried out their duties and
responsibilities in accordance with the established Guidelines and in accordance with the provisions of the
Pedoman Tata Kelola 1 Governance Structure:

Terintegrasi • Entitas Utama dan masing-masing LJK telah memiliki kebijakan dan prosedur mengenai tata cara
Integrated Governance pelaksanaan Tata Kelola Terintegrasi sesuai dengan kebijakan yang berlaku; dan
Guidelines • Pelaksanaan Tata Kelola Terintegrasi Bank Victoria pada Entitas Utama dan Pelaksanaan Tata Kelola
Terintegrasi bagi LJK telah sesuai dengan peraturan yang berlaku.
• The Main Entity and each LJK already have policies and procedures on the procedures for implementing
Integrated Governance in accordance with the applicable policies; and
• The implementation of Integrated Governance of Bank Victoria in the Main Entity and the Implementation of
Integrated Governance for LJK are already in accordance with the applicable regulations.
Governance Process:
Pelaksanaan proses Tata Kelola Terintegrasi oleh Entitas Utama dan LJK telah mengacu pada Pedoman Tata
Kelola Terintegrasi.
Governance Process:
The implementation of Integrated Governance process by the Main Entity and LJK refers to the Integrated
Governance Guidelines.
Governance Outcome:
• Entitas Utama dan LJK Konglomerasi telah menjalankan prinsip-prinsip Tata Kelola yang ditetapkan
regulator, tercermin tidak adanya pelanggaran yang dapat mempengaruhi performance dan kerugian bagi
Grup Victoria; dan
• Pencapaian dan kondisi yang terjadi telah dikomunikasikan pencapaiannya dalam rapat-rapat serta fokus
kepada penerapan strategi yang telah diambil Direksi dengan arahan/nasihat Dewan Komisaris.
Governance Outcome:
• The Main Entity and LJK of the Conglomeration have implemented the Governance principles set by the
regulator, as reflected by the absence of violations that could affect the performance and could cause losses
for Victoria Group; and
• The achievement and condition occurred have been communicated in meetings, and the focus on
implementation of strategies taken by the Board of Directors under the direction/advice of the Board of
Commissioners.

Rencana Strategis Bank

// Bank’s Strategic Plans
Berdasarkan kondisi ekonomi, Bank mengkaji kembali kinerja untuk Based on economics condition, the Bank re-asses performance
pembuatan Rencana Bisnis Bank periode tahun 2020-2022. Dalam to generate Bank’s business Plan for the period of 2020-2022.
penyusunan rencana bisnis, Bank tidak dapat terlepas dari visi dan In preparing the business plan, Bank Victoria must always pay
misi Bank Victoria. Untuk arah kebijakan Bank sesuai dengan visi attention to Bank Victoria's vision and mission. In order for the
dan misi, maka Bank Victoria dalam rencana bisnis Bank tahun 2019 Bank’s policy direction to be in-line with the vision and mission,
mengambil tema “Enhancing Banking Service of Excellence”. Bank Victoria in its Bank's business plan adopts the theme of
Towards Stronger, Resilient, and Balanced Growth.
Stronger
Resillient
Balanced
Growth
Stronger Stronger
Memiliki struktur permodalan yang kuat diimbangi dengan Having a strong capital structure balanced with the development
pengembangan Corporate Culture dan budaya pelayanan perbankan of a Corporate Culture and a better banking service culture,
yang lebih baik didukung oleh infrastruktur teknologi berbasis digital supported by digitech-based infrastructure and a credit culture
serta budaya kredit yang menjaga kualitas kredit dan mengutamakan that maintains credit quality and prioritizes sound and prudent
pertumbuhan kredit yang sehat dan kehati-hatian. credit growth.
Resilient Resilient
Menghadapi tekanan ekonomi makro yang diproyeksikan masih Facing the projected macroeconomic pressures that still continue
berlanjut menyebabkan perlambatan pertumbuhan ekonomi dan to cause slowing economic growth and the vulnerability of assets
rentannya aset menjadi bermasalah, Bank diharapkan tetap fleksibel to be problems, the Bank is expected to remain flexible in carrying
menjalankan strateginya dan cepat beradaptasi pada kondisi makro out its strategies and to quickly adapt to the macroeconomic
ekonomi dan lingkungan bisnis yang semakin kompetitif. condition and increasingly competitive business environment.
Balanced Growth Balanced Growth

Bisnis Bank diharapkan tetap bertumbuh secara seimbang dimana The Bank's business is expected to continue to grow in a balanced
kualitas asset semakin meningkat namun tetap memperhatikan manner where asset quality is increasing while still paying
lingkungan bisnis yang mendukung keuangan berkelanjutan serta attention to the business environment that supports sustainable
tetap memberikan nilai tambah bagi pemangku kepentingan. finance and continues to provide added value for stakeholders.

Langkah-Langkah Strategis yang Akan Ditempuh Strategic Steps to be taken by the Bank
Bank
Atas arah kebijakan Bank diatas, maka Bank Victoria masih akan Based on the above policy directions, Bank Victoria will still focus
tetap fokus kepada langkah-langkah strategis sampai dengan 5 on strategic measures for the next 5 years which will cover 5 main
(lima) tahun kedepan yang mencakup 5 (lima) aspek besar sebagai aspects as follows.
berikut.
1. Memaksimalkan peranan kantor cabang dan digitalisasi 1. Development of retail banking business and drive business
dalam mendorong pertumbuhan bisnis yang pesat dan growth through digitalization;
pengembangan retail banking;
2. Memperkuat brand image dari Bank Victoria serta aktif dalam 2. Strengthening branding, services, and product marketing;
pengembangan produk, jasa layanan dan strategi pemasaran;
3. Menerapkan organisasi yang efektif, meningkatkan kapasitas 3. Establishing high performance organization;
penggunaan informasi dan teknologi digital untuk mendukung
peningkatan produktivitas;
4. Memperkuat aspek operasional, perkreditan serta kapasitas 4. Strengthening operational, credit, and IT capabilities; and
dari sistem IT dan infrastuktur; dan
5. Memperkuat penerapan dan pengelolaan kepatuhan, 5. Strengthening compliance, risk management, and internal
manajemen risiko, dan pengendalian internal di seluruh control practices, including in dealing with the provisions of
aspek operasional dan bisnis Bank, termasuk menghadapi financial conglomeration.
ketentuan konglomerasi keuangan.
Uraian lengkap terkait Rencana Bisnis Bank 2020-2022 untuk Complete details regarding the Bank's Business Plan for 2020-
jangka pendek dan jangka menengah dapat dilihat pada bab 2022 for short- and medium-term can be seen in the Management
Analisis dan Pembahasan Manajemen dalam Laporan Tahunan ini. Discussion and Analysis chapter in this Annual Report.
Pembelian Kembali Saham dan/atau Obligasi

// Buy Back of Shares and/or Bonds
Pembelian kembali saham atau obligasi subordinasi adalah Buyback of shares and subordinated bonds is an effort to reduce
upaya mengurangi jumlah saham atau obligasi subordinasi shares or subordinated bonds issued through such shares and
yang diterbitkan dengan cara membeli kembali saham atau subordinated buyback, which the payment procedure is carried
obligasi subordinasi tersebut, yang tata cara pembayarannya out according to applicable terms. Throughout 2019, Bank Victoria
dilaksanakan sesuai ketentuan yang berlaku. Sepanjang tahun did not buyback any shares or subordinated bonds.
2019, Bank Victoria tidak melakukan pembelian kembali saham
atau obligasi subordinasi.

Penyediaan Dana kepada Pihak Terkait dan/

atau Penyediaan Dana Besar
// Provision of Fund to Related Party and/or Provision of Large Exposure
Penyediaan dana kepada pihak terkait dan kepada debitur Provision of fund to related party and to debtor with large amount
dalam jumlah besar dilakukan dengan memperhatikan prinsip must take into consideration the prudential principles, by
kehati-hatian, melalui peninjauan ulang dan mekanisme sesuai reviewing and mechanism that adheres to the internal policies,
dengan kebijakan internal, serta telah memenuhi ketentuan Bank and complies with Bank Indonesia's provisions regarding Legal
Indonesia mengenai aspek Batas Maksimum Pemberian Kredit Lending Limit (LLK). In practice, provision of fund to related party
(BMPK). Dalam praktiknya, penyediaan dana kepada pihak terkait is decided independently by the Board of Commissioners.
diputuskan oleh Dewan Komisaris secara independen.
Berikut rincian penyediaan dana kepada pihak terkait dan dana The following is detail on fund provision to related party large
besar di Bank Victoria sepanjang tahun. exposure in Bank Victoria throughout the year.
Total
Penyediaan Dana Debitur
Provision of Fund Debtor Penyediaan Dana (juta Rupiah) Realisasi (juta Rupiah)
Provision of Fund (million Rupiah) Realization (million Rupiah)
Kepada Pihak Terkait
29 240,713 226,562
To Related Parties
Kepada Debitur Inti

To Core Debtors
a. Individu 25
2,334,781 2,134,781
Individual
b. Kelompok 101
10,536,587 7,145,117
Group
Total 155 13,112,081 9,506,460
Transparansi Kondisi Keuangan dan

Non-Keuangan Lainnya
// Transparency of Other Financial and Non-Financial Condition
Bank telah melakukan transparansi Laporan Tahunan (keuangan The Bank has implemented transparency in Annual Report
dan non keuangan) serta Laporan Keuangan Publikasi Triwulan (financial and non financial) as well as Publication of Quarterly
dan Laporan Keuangan Publikasi Bulanan secara tepat waktu, Financial Statements and Publication of Monthly Financial
disajikan melalui situs web Bank. Statement in timely manner, and the reports are presented in the
Bank’s website.

Pernyataan dan Praktik Bad Corporate

Governance
// Statement and Practices of Bad Corporate Governance
Bank Victoria menyadari bahwa praktik-praktik Bad Corporate Bank Victoria realizes that Bad Corporate Governance practices
Governance akan menggangu GCG yang telah dijalankan Bank. will disrupt the GCG carried out by the Bank. Throughout 2019,
Sepanjang tahun 2019, Bank tidak melakukan segala tindakan Bank Victoria did not carry out any actions and policies related
serta kebijakan yang berkaitan dengan praktik bad corporate to practice of bad corporate governance as described in below
governance yang diuraikan pada tabel berikut. table.
Uraian Praktik
Description Practice
Adanya laporan sebagai Bank yang mencemari lingkungan.
x
There is a report that the Bank pollutes the environment.
Perkara penting yang sedang dihadapi oleh Bank, anggota Direksi dan/atau anggota Dewan Komisaris yang
sedang menjabat tidak diungkapkan dalam Laporan Tahunan.
x
Significant cases currently faced by the Bank, members of Board of Directors, and/or members of Board of
Commissioners in office are not disclosed in the Annual Report.
Ketidakpatuhan dalam pemenuhan kewajiban perpajakan.

x
Non-compliance in fulfilling tax obligations.
Ketidaksesuaian penyajian Laporan Tahunan dan Laporan Keuangan dengan peraturan yang berlaku dan
Standar Akuntasi Keuangan.
x
Inconsistency of presentation of Annual Report and Financial Statements with the applicable regulations and
Financial Accounting Standards (SAK).
Kasus terkait buruh dan karyawan.

x
Cases related to workers and employees.
Tidak terdapat pengungkapan segmen operasi.

x
There were no disclosures on operational segment.
Terdapat ketidaksesuaian antara Laporan Tahunan hardcopy dengan Laporan Tahunan softcopy.
x
Inconsistence between hard copy of Annual Report and soft copy of the Annual Report.

Tanggung Jawab
Sosial Perusahaan
Corporate Social
Responsibility
Inisiatif CSR dilaksanakan sesuai dengan ISO 26000 tentang

Guidance Standard on Social Responsibility. Bank juga telah
mengembangkan inisiatif keuangan berkelanjutan sesuai dengan
Peraturan OJK serta penerapan terbaik yang dilaksanakan di industri
perbankan untuk meningkatkan kualitas implementasi tanggung
jawab sosial dan lingkungan di tahun selanjutnya.
The CSR initiatives are carried out in accordance with ISO 26000 on
Guidance Standards on Social Responsibility. The Bank has also developed
sustainable finance initiatives in accordance with OJK Regulations
and best practices implemented in the banking industry to improve the
implementation quality of social and environmental responsibility in the
following years.


Dasar Implementasi CSR

// Basis of CSR Implementation
Bank Victoria menyadari bahwa keberhasilan dalam dunia Bank Victoria recognizes that success in the business world
bisnis tidak hanya ditentukan oleh kinerja manajemen dan is determined not only by solid management and operational
operasional yang baik, melainkan juga karena didukung oleh performances, but also by implementing the Corporate Social
pelaksanaan tanggung jawab sosial perusahaan (corporate Responsibility (CSR). The CSR programs represent the Bank’s
social responsibility/CSR). Program CSR merupakan komitmen commitment to sustainable economic development by always
Bank dalam pengembangan ekonomi yang berkelanjutan untuk considering the economic, social, and environmental aspects.
senantiasa memperhatikan aspek ekonomi, sosial dan lingkungan The commitment is exhibited by the Bank’s compliance with the
hidup. Komitmen tersebut, diwujudkan dalam kepatuhan following regulations:
terhadap peraturan, yaitu:
1. Undang-Undang No. 8 Tahun 1999 tentang Perlindungan 1. Law No. 8 of 1999 on Consumer Protection;
Konsumen;
2. Undang-Undang No. 13 Tahun 2003 tentang Ketenagakerjaan; 2. Law No. 13 of 2003 on Manpower;
3. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 3. Law No. 40 of 2007 on Limited Liability Company;
Terbatas;
tentang Perlindungan Konsumen Sektor Jasa Keuangan; dan on Consumer Protection of Financial Services Sector; and
tentang Implementasi Keuangan Berkelanjutan bagi Lembaga on Implementation of Sustainable Finance for Financial
Jasa Keuangan, Emiten, dan Perusahaan Publik. Services Institutions, Issuers, and Public Companies.

Struktur Pengelola CSR

// CSR Management Structure
Berdasarkan Memo Internal No. 061/HCMDIR/04/14 tanggal 29 April Based on the Internal Memo No. 061/HCMDIR/04/14 dated 29 April
2014, struktur pengelola CSR Bank Victoria sebagai berikut. 2014, the CSR management structure of Bank Victoria is as follows.
Direktur Utama
President Director
(Penanggung Jawab CSR)
(CSR Person in Charge)
Anggota Tim CSR:

Members of CSR Team:
Ketua : Kepala Divisi Corporate Secretary

Head : Head of Corporate Secretary Division
Wakil Ketua : Kepala Divisi Human Capital Management and General Affair
Deputy : Head of Human Capital Management and General Affair Division
Sekretaris : Sekretaris Divisi Corporate Secretary

Secretary : Secretary of Corporate Secretary Division
Bendahara : Staf Divisi Finance and Accounting

Treasurer : Staff of Finance and Accounting Division
Hubungan Masyarakat : Marketing Communication

Public Relations : Marketing Communication
Koordinator Lapangan : Kepala Bagian dan Staf Divisi Human Capital Management and General Affair
Field Coordinator : Head and Staff of Human Capital Management and General Affair Division
Pengelola CSR tersebut bertanggung jawab mulai dari proses The CSR Manager is responsible for overseeing the process, from
perencanaan, pelaksanaan, sampai dengan pemantauan dan planning through implementation, to monitoring and evaluation.
evaluasi penerapan CSR.

Visi dan Misi CSR

// CSR Vision and Mission
Visi Vision
Menjadi mitra dalam meningkatkan kualitas pendidikan, To become a partner in improving the quality of education,
kesehatan, dan kesejahteraan masyarakat untuk menjadi lebih health, and welfare of the community to be better and play a role
baik serta ikut berperan dalam membangun hubungan antara in building sustainable relationships between the Company and
perusahaan dengan masyarakat yang berkelanjutan. communities.
Misi Mission
1. Berpartisipasi dalam mengurangi keterbelakangan sosial 1. To participate in reducing social backwardness in accordance
kemasyarakatan sesuai dengan kapasitas dan kemampuan with the Company’s capacity and capabilities;
Perusahaan;
2. Berpartisipasi dalam meningkatkan kualitas pendidikan 2. To participate in improving the quality of basic education for
dasar bagi anak - anak sekolah; school children;
3. Berupaya untuk mengimplementasikan cara-cara konservasi 3. To make efforts to implement energy conservation methods
energi dalam rutinitas pekerjaaan sehari-hari; in daily work routines;
4. Berupaya untuk mendukung kegiatan serta aktivitas positif 4. To make efforts to support positive activities through closer
melalui kerja sama yang lebih dekat dengan berbagai cooperation with various communities in the banking sector;
komunitas di bidang perbankan; dan and
5. Ikut serta berperan dalam program pemberdayaan 5. To continuously participate in community empowerment
masyarakat secara berkelanjutan. program.
Kebijakan CSR
// CSR Policies
Kebijakan CSR yang dilaksanakan Bank Victoria, yaitu: Bank Victoria’s CSR Policies are as follows:
1. Mempertanggungjawabkan dampak dari keputusan dan 1. Accounts for the impacts resulting from corporate decisions
kegiatan perusahaan pada masyarakat dan lingkungan and activities towards the community and environment
melalui perilaku transparansi dan etis; through transparent and ethical conducts;
2. Memberikan kontribusi terhadap pembangunan 2. Contributes to sustainable development, including
berkelanjutan, termasuk kesehatan dan kesejahteraan community health and welfare;
masyarakat;
3. Menghargai dan mempertimbangkan harapan pemangku 3. Respects and considers stakeholders’ expectations;
kepentingan;
4. Mematuhi hukum yang berlaku dan konsisten dalam 4. Complies with applicable laws and be consistent in adhering
pemenuhan norma perilaku internasional; dan to international norms of behavior; and
5. Mendorong perilaku bertanggung jawab pada seluruh bagian 5. Encourages responsible behavior in all parts of the
organisasi. organization.

Perumusan CSR
// CSR Formulation
Dalam merumuskan CSR, Bank Victoria telah menerapkan In formulating its CSR strategy, Bank Victoria has taken the
langkah-langkah sebagai berikut. following measures.
1. Melakukan due diligence terkait berbagai dampak yang 1. Conducts due diligence related to various impacts resulting
ditimbulkan dari keputusan dan kegiatan Bank terhadap from the Bank’s decisions and activities upon stakeholders,
pemangku kepentingan, khususnya terkait pembangunan particularly with regard to sustainable development Both
berkelanjutan. Identifikasi dampak yang dilaksanakan direct and indirect impacts are identified in terms of the
meliputi dampak langsung maupun tidak langsung terhadap: followings:
a. Aspek ekonomi: peran Bank dalam mendukung a. Economic aspect: the Bank’s role in promoting economic
pertumbuhan ekonomi melalui penyaluran kredit secara growth through responsible lending, as well as financial
bertanggung jawab, serta edukasi dan literasi keuangan; education and literacy;
b. Aspek sosial: peran Bank dalam meningkatkan b. Social aspect: the Bank’s role in improving the
kesejahteraan sosial masyarakat; dan community’s social welfare; and
c. Aspek lingkungan: peran Bank dalam menjaga dampak c. Environmental aspect: the Bank’s role in protecting the
lingkungan dari aktivitas usaha yang dijalankan. environment against the impacts of business activities.
2. Merumuskan isu-isu penting tanggung jawab 2. Develops corporate social responsibility formulation based
sosial perusahaan. Perumusan dilakukan dengan on important issues. The formulation considers the results
mempertimbangkan hasil identifikasi dampak kegiatan from the process of identifying the impacts of business
usaha bagi pemangku kepentingan. activities on stakeholders.
3. Menelaah seluruh regulasi yang terkait dengan isu-isu 3. Reviews all regulations related to important issues of the
penting tanggung jawab sosial perusahaan, sehingga Bank corporate social responsibility, in order to keep the Bank on
selalu berjalan dalam koridor kepatuhan. the right compliance track.
4. Merancang mekanisme pengenalan dan perumusan 4. Designs the mechanisms of identifying and formulating
ekspektasi pemangku kepentingan tentang peran sosial stakeholders’ expectations with regard to corporate social
perusahaan. Hal ini antara lain dilakukan berdasarkan survei roles. This is based on, among others, customer satisfaction
kepuasan nasabah, survei kepuasan karyawan, analisis survey, employee satisfaction survey, analysis of the
efektivitas kegiatan CSR periode sebelumnya, dan informasi effectiveness of CSR activities in the previous period, and
lain yang diperoleh secara luas. other widely sourced information.
5. Merumuskan rencana aksi tanggung jawab terhadap 5. Formulates a responsibility action plan towards the
pemangku kepentingan sesuai dengan isu-isu yang terkait. stakeholders in accordance with the related issues. The
Perumusan dilakukan dengan memperhatikan aspirasi formulation is carried out by considering stakeholders’
pemangku kepentingan, visi dan misi Bank, serta konsisten aspirations, the Bank’s vision and mission, as well as by being
dengan norma-norma perilaku internasional. consistent with international norms of behavior.
6. Merumuskan risiko-risiko yang mungkin terjadi akibat 6. Formulates the risks that may occur due to the failure of
kegagalan penerapan tanggung jawab sosial serta upaya implementing the social responsibility, their mitigation
mitigasi dan rencana perbaikannya. efforts and plan for improvement.
7. Menerapkan kebijakan dan program yang telah disepakati. 7. Implements agreed policies and programs. The
Implementasi dapat dilakukan secara mandiri atau dengan implementation can be done independently or by involving
melibatkan pihak lain yang terkait. other relevant parties.
8. Melakukan pemantauan dan evaluasi atas efektivitas 8. Monitors and evaluates the effectiveness of the
pelaksanaan kebijakan dan program. Hasil pemantauan implementation of policies and programs. The results
dan evaluasi akan menjadi bahan pertimbangan untuk of monitoring and evaluation process will be taken into
keberlanjutan program pada periode selanjutnya. consideration for the continuation of program in the
subsequent period.

Hasil perumusan CSR Bank Victoria ditunjukkan sebagai berikut. Bank Victoria’s CSR formulation results are shown below.
Pemangku
Metode Pelibatan Isu Penting Rencana Strategis
Kepentingan
Engagement Method Important Issues Strategic Plan
Stakeholders
Nasabah • Survei kepuasan nasabah; dan • Produk dan layanan; • Menciptakan produk dan jasa yang menarik
Customers • Sarana pengaduan nasabah. • Keamanan dana simpanan; dan dan kompetitif;
• Customer satisfaction survey; and • Keamanan informasi nasabah. • Menjaga keamanan dana simpanan nasabah; dan
• Customer complaints channel. • Products and services; • Menjaga keamanan informasi nasabah.
• Security of savings funds; and • Creating interesting and competitive
• Security of customer products and services;
information. • Ensuring the security of customers’ savings
fund; and
• Ensuring the security of customer’s
information.
Karyawan • Focus Group Discussion; • Pengelolaan ketenagakerjaan • Kesetaraan dan keadilan dalam rekrutmen,
Employees • Gathering karyawan; yang adil dan bertanggung jawab; pengembangan kompetensi, dan
• Survei kepuasan karyawan; dan dan pengembangan karir;
• Sarana pengaduan karyawan. • Kesehatan dan keselamatan kerja. • Remunerasi yang layak;
• Focus Group Discussion; • Fair and accountable labor • Tunjangan kesehatan dan kecelakaan kerja;
• Employee gathering; management; and • Pengelolaan sarana dan prasarana
• Employee satisfaction survey; and • Occupational health and safety keselamatan kerja;
• Employee complaints channel. • Program pensiun.
• Equality and fairness in recruitment,
competency development, and career
development
• Appropriate remuneration;
• Health and occupational accident allowances;
• Management of occupational safety facilities
and infrastructures;
• Pension program.
Pemerintah dan Pelaporan secara berkala. Kepatuhan terhadap peraturan dan Penyampaian laporan secara berkala dan tepat
Regulator Periodic reporting. ketentuan yang berlaku. waktu.
Government and Compliance with applicable Submitting reports timely and periodically.
Regulators regulations and provisions.
Pemegang Saham dan • Rapat Umum Pemegang Saham; • Kinerja keuangan; • Pertumbuhan kinerja operasional dan keuangan;
Investor • Public expose; dan • Arah dan kebijakan strategis; • Penyusunan Rencana Bisnis Bank;
Shareholders and • Akses informasi. dan • Penyusunan Rencana Aksi Keuangan
Investors • General Meeting of Shareholders; • Keberlangsungan usaha. Berkelanjutan; dan
• Public expose; and • Financial performance; • Penyusunan Laporan Tahunan.
• Information access. • Strategic directives and • Operational and financial performance growth;
policies; and • Preparing the Bank’s Business Plan;
• Business sustainability. • Preparing Sustainable Finance Action Plan; and
• Preparing Annual Report.
Mitra Usaha • PT Karunia Adi Sentosa selaku jasa • Perlakuan yang adil dan setara; • Penetapan mitra usaha berdasarkan prosedur
Business Partners outsourcing untuk tenaga office boy, dan yang disepakati;
messenger, dan security; • Ketepatan waktu pembayaran. • Pemenuhan kewajiban pembayaran secara
• PT Sinergi Vista Selaras selaku jasa • Fair and equal treatment; and tepat waktu.
outsourcing untuk tenaga office boy, • Payment punctuality. • Establishing business partners based on
messenger, dan security; dan agreed procedures;
• PT Batavia Prosperindo Trans selaku • Ensuring timely payment.
pemasok layanan transportasi.
• PT Karunia Adi Sentosa as an
outsourcing service for office boy,
messenger, and security personnel;
• PT Sinergi Vista Selaras as an
outsourcing service for office boy,
messenger, and security personnel;
and
• PT Batavia Prosperindo Trans as a
supplier of transportation services.
Masyarakat Website dan sarana komunikasi Informasi aktivitas Bank. Pemutakhirkan website Bank secara berkala.
Community lainnya. Information on the Bank’s Updating the Bank’s website periodically.
Website and other communication activities.
facilities.

Pemangku
Metode Pelibatan Isu Penting Rencana Strategis
Kepentingan
Engagement Method Important Issues Strategic Plan
Stakeholders
Media • Public expose; Kinerja dan aktivitas Bank. • Pelaksanaan public expose dan media gathering;
• Media gathering; The Bank’s performance and • Pemutakhirkan website Bank secara berkala; dan
• Keterbukaan informasi pada website activities. • Penyampaian informasi pada media harian
atau media terpilih. berperadaran nasional.
• Public expose; • Organizing public expose and media gathering;
• Media gathering; • Updating the Bank’s website periodically; and
• Transparency of information on the • Publishing information on daily nationwide
website or selected media. media
Pendekatan Holistik Terintegrasi dalam

Pelaksanaan CSR
// Integrated Holistic Approach in CSR Implementation
Pelaksanaan CSR Bank Victoria berpedoman pada ISO 26000: Bank Victoria’s CSR implementation is based on ISO 26000:
Guidance Standard on Social Responsibility sebagai salah satu Guidance Standard on Social Responsibility as one of the
panduan dalam mengimplementasikan CSR. Hal ini bertujuan guidelines in implementing the CSR. It is intended so that Bank
agar implementasi CSR di Bank Victoria mengedepankan prinsip Victoria’s CSR implementation emphasizes moral and ethical
moral dan etis, sehingga mencapai hasil terbaik, tanpa merugikan principles in order to achieve the best results, without harming
kelompok masyarakat lainnya. Pedoman tersebut memuat other community groups. The guideline contains 7 (seven) main
7 (tujuh) isu utama terkait CSR, yaitu: issues related to CSR, which are:
Pelibatan dan
Pengembangan Hak Asasi
Masyarakat Manusia
Community
Human Rights
Engagement and
Development
Tata Kelola Organisasi

Lingkungan
Organizational Ketenagakerjaan
Hidup
Governance Employment
Environment
Praktik Kegiatan
Institusi yang Adil
Isu Konsumen
Fair Practice
Consumer Issues
of Institutional
Activities

Voluntary vs Mandatory dalam Tanggung Jawab

Sosial Perusahaan
// Voluntary vs Mandatory in Corporate Social Responsibility
Bank Victoria telah melaksanakan tanggung jawab sosial yang Bank Victoria has properly carried out both mandatory and
merupakan kewajiban (mandatory) dan yang melebihi kewajiban beyond mandatory (voluntary) social responsibility. Details of the
(voluntary) dengan baik. Rincian kegiatan-kegiatan tersebut activities are as follows:
sebagai berikut.
Kegiatan Tanggung Jawab Sosial yang Merupakan Kewajiban

Mandatory Social Responsibility Activities
Kegiatan Dasar Regulasi

Activities Basis of Regulations
Ketenagakerjaan Undang-Undang Republik Indonesia No. 13 Tahun 2003 tanggal 25 Maret 2003 tentang Ketenagakerjaan.
Employment Law of the Republic of Indonesia No. 13 of 2003 dated 25 March 2003 on Manpower.
Perlindungan Konsumen • Undang-Undang Republik Indonesia No. 8 Tahun 1999 tanggal 20 April 1999 tentang Perlindungan Konsumen.
Consumer Protection • Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 tanggal 26 Juli Tahun 2013 tentang Perlindungan
Konsumen Sektor Jasa Keuangan.
• Law of the Republic of Indonesia No. 8 of 1999 dated 20 April 1999 on Consumer Protection.
• Financial Services Authority Regulation No. 1/POJK.07/2013 dated 26 July 2013 on Consumer Protection of
Financial Services Institution.
Literasi dan Inklusi Keuangan • Peraturan Otoritas Jasa Keuangan No. 76/POJK.07/2016 tentang Peningkatan Literasi dan Inklusi Keuangan
Financial Literacy and Inclusion. di Sektor Jasa Keuangan bagi Konsumen dan/atau Masyarakat.
• Financial Services Authority Regulation No. 76/POJK.07/2016 on Improving Financial Literacy and Inclusion
in the Financial Services Sector for Consumers and/or Communities.
Sedangkan kegiatan CSR Bank yang melebihi kewajiban Whereas the Bank’s CSR activities that go beyond the mandatory
(voluntary) meliputi pemberian beasiswa dan donasi lainnya dalam (voluntary) include scholarships and donations in social and
program pengembangan sosial dan kemasyarakatan. community development programs.
Anggaran Tanggung Jawab Sosial Perusahaan

// Budget for Corporate Social Responsibility
Pelaksanaan kegiatan CSR Bank Victoria sepenuhnya berasal dari All of Bank Victoria’s CSR activities are funded internally. In 2019,
pendanaan internal. Untuk tahun 2019, Bank telah menganggarkan the Bank allocated a budget of Rp650,000,000.- to implement
Rp650.000.000,- untuk melaksanakan berbagai inisiatif CSR various CSR initiatives, while the budget realization amounted to
dengan tingkat realisasi anggaran mencapai Rp223.286.800,-. Rp223,286,800.-.

Komitmen Keberlanjutan
// Commitment to Sustainability
Sejalan dengan Peraturan Otoritas Jasa Keuangan No. 51/ In accordance with Financial Services Authority Regulation No.
POJK.03/2017 tentang Implementasi Keuangan Berkelanjutan 51/POJK.03/2017 on Implementation of Sustainable Finance to
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik, Financial Service Institutions, Issuers, and Public Companies,
Bank Victoria berkomitmen untuk menjalankan kegiatan CSR yang Bank Victoria is committed to accomplishing CSR activities that
mendukung implementasi keuangan berkelanjutan dalam mencapai support sustainable finance implementation in order to achieve
tujuan pembangunan berkelanjutan (Sustainable Development Sustainable Development Goals (SDGs). This commitment was
Goals/SDGs). Komitmen ini disampaikan dalam Rencana Aksi conveyed in the Sustainable Financial Action Plan (RAKB) which
Keuangan Berkelanjutan (RAKB) yang telah disampaikan kepada was submitted to the Financial Services Authority in November
Otoritas Jasa Keuangan pada November 2019. 2019.
CSR Terkait Hak Asasi Manusia

// CSR Related to Human Rights
Komitmen dan Kebijakan CSR Terkait HAM CSR Commitment and Policies Related to
Human Rights
Bank berkomitmen untuk senantiasa menjunjung tinggi Hak Asasi The Bank is committed to upholding Human Rights (HAM)
Manusia (HAM). Komitmen tersebut dituangkan dalam Kode Etik consistently. The commitment is stated in the Code of Conduct
serta Peraturan Perusahaan yang mengatur hak dan kewajiban and Company Regulations that regulate the rights and obligations
Bank serta karyawan. of the Bank and its employees.
Perumusan CSR terkait HAM CSR Formulation Related to Human Rights

Bank Victoria telah merumuskan beberapa aspek yang terkait Bank Victoria has formulated several aspects related to human
dengan HAM pada aktivitas operasional yang dijalankan serta rights in its operational activities and has mitigated their
telah memitigasi risikonya melalui kebijakan dan/atau rencana respective risks through the related policies and/or plan, as
terkait, sebagaimana ditunjukkan berikut. shown below.
Isu Terkait Risiko yang Timbul Rencana Mitigasi

Related issues Risks occurred Mitigation Plan
Hak karyawan: • Mengganggu hubungan kerja dan lingkungan Menyusun Peraturan Perusahaan dan Kode Etik
• Waktu kerja; kerja yang harmonis; dan dengan memperhatikan aspek HAM.
• Hak cuti; • Mengurangi produktivitas karyawan. Develop Company Regulations and Code of
• Hak menjalankan ibadah; • Disrupt work relationships and harmonious Conduct by considering human rights aspect.
• Izin melahirkan; dan work environment; and
• Izin laktasi. • Reduce employee productivity.
Employee’s rights:
• Business hours;
• Leave rights;
• The right to practice worship;
• Maternity leave; and
• Lactation leave.

Pelaksanaan Inisiatif Implementation of Initiative

Pelaksanaan inisiatif CSR terkait HAM yang dilaksanakan Bank, CSR initiatives related to human rights that have been
meliputi: implemented by the Bank are as follows:
1. Waktu Kerja 1. Business Hours
a. Khusus bagi karyawan wanita yang menyusui, telah a. Breastfeeding female employees have been given proper
diberikan kesempatan yang sepatutnya untuk melakukan time to lactate during business hours; and
laktasi selama waktu kerja; dan
b. Waktu kerja lembur disesuaikan dengan kebutuhan b. Overtime is adjusted to the Bank’s operational needs
operasional Bank dan menetapkan fasilitas lembur. and overtime facilities are provided. As to the amount
Untuk besarnya upah, Bank mengacu pada peraturan of wages, the Bank refers to the applicable laws and
perundangan yang berlaku. regulations.
2. Hak Cuti 2. Leave Rights

a. Cuti tahunan diberikan kepada karyawan yang telah bekerja a. Employees who have worked for at least 1 (one)
di Bank selama 1 (satu) tahun secara terus menerus; consecutive year at the Bank are entitled to annual leave.
b. Selama menjalani masa cuti tahunan, karyawan tetap b. During the annual leave period, employees are still eligible
menerima gaji penuh; to receive full salary;
c. Lamanya cuti tahunan ditentukan berdasarkan jabatan c. The annual leave duration is determined by the Bank,
karyawan yang diatur oleh Bank; based on the employee’s position;
d. Ketentuan pelaksanaan cuti tahunan diatur oleh Bank; d. Annual leave provisions are regulated by the Bank;
e. Hak cuti tahunan dilaksanakan berdasarkan permintaan e. Annual leave entitlements are based upon employee’s
karyawan dan/atau penugasan oleh Bank dan disesuaikan requests and/or the Bank’ assignments, adjusted to the
dengan beban kerja/kebutuhan Bank; dan Bank’s workload/requirements; and
f. Bagi karyawan yang mengajukan rencana cuti tahunan f. In the event that an employee whose annual leave plan
namun ditolak oleh kepala unit/divisi kerja yang is rejected by the head unit/relevant work unit, it s
bersangkutan, maka diwajibkan kepada kepala unit mandatory for the said head unit to explain the reason for
dimaksud untuk memberikan alasan penolakannya the rejection in writing, with a copy made to the Human
secara tertulis dan ditembuskan kepada Divisi Human Capital Management and General Affair Division.
Capital Management and General Affair.
3. Istirahat Melahirkan dan Istirahat Keguguran 3. Maternity Leave and Miscarriage Leave
Kandungan
a. Istirahat melahirkan dan keguguran kandungan telah a. Female employees are entitled to maternity leave and
diberikan kepada karyawan wanita; miscarriage leave;
b. Istirahat melahirkan diberikan selama 1,5 bulan sebelum b. Maternity leave is 1.5-month period before birth and
melahirkan dan 1,5 bulan sesudah melahirkan menurut 1.5-month after birth according to the estimation made
perhitungan dokter kandungan atau bidan; by an obstetrician or midwife;
c. Istirahat keguguran kandungan 1,5 bulan atau sesuai c. The entitled miscarriage leave period is 1.5 month
dengan keterangan dokter kandungan atau bidan; dan period of rest or a period of rest as stated in the medical
statement issued by an obstetrician or midwife; and
d. Pelaksanaan dan pemberian fasilitas istirahat melahirkan d. Provisions of maternity leave or miscarriage leave
atau istirahat keguguran kandungan telah diatur oleh Bank. facilities are regulated by the Bank.
4. Izin Menjalankan Ibadah 4. The Right to Practice Worship

Karyawan Bank diberikan izin untuk menjalankan ibadah The Bank’s employees are given the right to practice worship
sesuai dengan kepercayaannya. Selain itu, karyawan Bank according to their beliefs. In addition, the Bank’s employees
dapat memperoleh izin untuk menjalankan ibadah. may be given permission to perform religious worship.

5. Izin Meninggalkan Pekerjaan 5. Permission to Leave a Job

Bank memberikan izin meninggalkan pekerjaan dengan tetap The Bank grants leave to an employee while he/she is still
menerima gaji penuh karena: receiving full salary under any of the following circumstances:
a. Peristiwa khusus yaitu pernikahan karyawan, karyawan a. Special events, i.e. employee’s marriage, marriage of
menikahkan anak, suami/istri/anak/menantu/orang tua/ employee’s child, death of employee’s husband/wife/
mertua/anggota dalam satu rumah meninggal dunia, child/child-in-law/parent/parent-in-law/other family
kelahiran anak, istri karyawan mengalami keguguran member living in employee’s household, child birth,
kandungan, khitanan anak, dan pembaptisan anak; circumcision of child, baptism of child;
b. Sakit, yaitu sakit dengan surat dokter, sakit tanpa surat b. Sick, i.e. illness with doctor’s note, illness without doctor’s
dokter selama 1 (satu) hari dan sakit dengan rawat inap; note for 1 (one) day, and illness with hospitalization;
c. Keperluan pribadi yang penting, mendadak dan tidak c. Urgent, sudden necessity that is incapable of being
dapat diwakilkan; dan represented by others; and
d. Mengalami halangan di luar kemampuan karyawan. d. Experiencing obstacles beyond employee’s control.
Hasil pelaksanaan CSR terkait HAM dilaporkan oleh Divisi Human CSR implementation results related to human rights are reported by
Capital Management and General Affair kepada Manajemen Bank the Human Capital Management and General Affair Division to the Bank
secara berkala. Dalam rangka meningkatkan kredibilitas inisiatif Management on a regular basis. In order to increase the credibility of
terkait pelaksanaan dan pelaporan tanggung jawab sosial initiatives with regard to implementation and reporting of the Bank’s
Bank, Manajemen Bank akan meninjau laporan tersebut dan social responsibility, the Bank Management will review the report and
menyampaikan masukan. Direksi dan karyawan Bank juga diberi submit a feedback. The Board of Directors and employees of the Bank
kesempatan untuk memberikan saran terkait penerapan CSR are also given the opportunity to propose suggestions regarding the
terkait HAM melalui rapat internal atau survei kepuasan karyawan. implementation of CSR related to human rights by means of internal
meetings or employee satisfaction surveys.
Dampak Kegiatan Impact of Activities

Pencapaian CSR Bank terkait HAM, yaitu: The implementation of CSR related to human rights has led to the
following accomplishments:
1. Bagi Bank 1. For the Bank
Meningkatnya kinerja Bank karena harmonisnya hubungan Increased Bank performance as a result of harmonious
kerja dengan karyawan. Hal tersebut terlihat dari rendahnya/ work relationships with employees. This is indicated by the
tidak adanya pelaporan mengenai pelanggaran HAM yang small number (or absence) of human rights violation reports
diterima oleh Bank. Peningkatan kinerja ini dapat berdampak received by the Bank. The increased performance can bring
terhadap pembangunan Bank yang berkelanjutan. about a sustainable development to the Bank.
2. Bagi Nasabah 2. For Customers

Meningkatnya kinerja operasional Bank karena meningkatnya Increase the Bank’s operational performance as a result
kepuasan nasabah. Hal ini terbukti dengan tidak adanya of increased customer satisfaction. This is proven by the
pelaporan dari nasabah terkait pelanggaran HAM. absence of human rights violations reports received from the
customers.

CSR Terkait Operasi yang Adil

// CSR Related to Fair Operations
Komitmen dan Kebijakan CSR terkait CSR Commitment and Policies Related to
Operasi yang Adil Fair Operations
Dalam mewujudkan pelaksanaan kegiatan perbankan yang adil, In the goal of ensuring the practice of fair banking activities, Bank
Bank Victoria telah memiliki berbagai kebijakan yang bertujuan Victoria has incorporated various policies, such as:
untuk memastikan terealisasinya operasi yang adil, di antaranya:
1. Kebijakan anti korupsi; 1. Anti-corruption policy;
2. Kebijakan persaingan yang adil; 2. Fair competition policy;
3. Kebijakan menghargai hak kekayaan intelektual; dan 3. Policy respecting intellectual property rights;
4. Kebijakan terkait lobi, kontribusi politik, dan keterlibatan 4. Policy regarding lobbying, political contributions, and political
politik. participation; and
Bank berkomitmen untuk patuh pada hukum dan regulasi yang The Bank is committed to observing the laws and regulations
diterbitkan pemerintah dan regulator, serta terhadap peraturan issued by the Government and Regulators, as well as to the
dan kebijakan internal Bank terkait operasi yang adil. Kepatuhan Bank’s internal regulations and policies related to fair operations.
ini antara lain diwujudkan dengan memantau tindak kecurangan This observance is demonstrated among others by monitoring
(fraud) yang mungkin terjadi. possible frauds.
Perumusan CSR terkait Operasi yang Adil CSR Formulation Related to Fair Operations
Bank Victoria telah merumuskan beberapa aspek yang terkait Bank Victoria has formulated a number of issues related to fair
dengan operasi yang adil pada aktivitas operasional yang operations within the scope of operational activities, as well as
dijalankan serta telah memitigasi risikonya melalui kebijakan dan/ mitigating their risks by means of related policies and/or plans,
atau rencana terkait, sebagaimana ditunjukkan berikut. as outlined below.

Tindakan korupsi yang dilakukan oleh karyawan di Pelanggaran hukum. Mengimplementasikan Kebijakan Anti Korupsi.
berbagai level organisasi. Violation of laws. Implement Anti-Corruption Policy.
Acts of corruption committed by employees at
various organizational levels.
Imbalan yang diterima karyawan di berbagai level Potensi gratifikasi dan fraud. Mengimplementasikan kebijakan gratifikasi.
organisasi dari pihak lain sehubungan dengan Potential gratification and fraud. Implement anti gratification policy.
aktivitas operasional Bank.
Benefits received by employees at various
organizational levels from other parties in respect
with the Bank’s operational activities.
Keterlibatan karyawan dalam aktivitas politik dan Mengganggu lingkungan kerja yang kondusif dan Mengimplementasikan Peraturan Perusahaan
secara terang-terangan menggunakan simbol harmonis. dan Kode Etik.
atau atribut salah satu partai politik. Disrupt conducive and harmonious work Enact Company Regulations and Code of
Employee’s involvement in political activities who environment. Conduct.
openly uses symbols or attributes of any political
party.
Persaingan usaha dengan sesama pelaku usaha Pelanggaran hukum dan/atau potensi benturan Mengimplementasikan kebijakan persaingan
di bidang perbankan. kepentingan. usaha yang adil.
Business competition with other entities in the Violation of law and/or potential conflict of Enforce fair business competition policy.
banking sector. interest.
Pelanggaran Hak Kekayaan Intelektual (HAKI). Pelanggaran hukum. Mendaftarkan HAKI dan/atau menggunakan HAKI
Violation of Intellectual Property Rights (HAKI). Violation of law. sesuai peraturan yang berlaku.
Register HAKI and/or use HAKI in accordance
with the applicable regulations.


Pelaksanaan inisiatif CSR terkait operasi yang adil dijelaskan The implementation of CSR initiatives related to fair operations
sebagai berikut. is as follows.
Kebijakan Anti Fraud dan Kebijakan Anti Korupsi Anti-Fraud and Anti-Corruption Policy
Bank Victoria mengimplementasikan kebijakan anti korupsi Bank Victoria enacts its anti-corruption policy through the
melalui kegiatan-kegiatan berikut ini. following activities.
1. Mencegah Terjadinya Benturan Kepentingan 1. Prevention of Conflict of Interest

Semua karyawan Bank Victoria berpegang penuh pada Kode All employees of Bank Victoria fully adhere to the Employee’s
Etik Perilaku Karyawan yang merupakan pedoman untuk Code of Conduct, which is a guide to avoid conflicts of
menghindari benturan kepentingan dalam melaksanakan interest in carrying out all activities related to the Bank that
segala aktivitas yang terkait dengan Bank, sehingga dapat may harm the interests of Bank Victoria.
merugikan kepentingan Bank Victoria.
2. Pemberian dan Penerimaan Hadiah atau Donasi 2. Giving and Receiving Gifts or Donations
Bank memberi kebijakan terkait pemberian dan penerimaan The Bank has policy regarding giving and receiving of gifts or
hadiah atau donasi, yaitu: donations as follows:
a. Tidak diperkenankan meminta atau memberi isyarat yang a. Not permitted to ask or give a sign impressing a request
mengesankan suatu permintaan berupa uang, barang, in the form of money, goods, tips, commissions, or any
tip, komisi atau surat apapun kepada nasabah atau calon letter to a customer or prospective customer.
nasabah.
b. Tidak diperkenankan untuk menerima pemberian dari b. Not permitted to receive gifts from customers or
nasabah atau calon nasabah baik berupa uang, barang, prospective customers in the form of money, goods, tips,
tip, komisi, atau sesuatu apapun yang dapat menyebabkan commissions, or anything that can cause employees’
utang budi karyawan kepada nasabah, sehingga dapat debt of deeds to customers, that they can influence the
mempengaruhi karyawan dalam mengambil keputusan employees in making objective decisions in the event of a
objektif bila terjadi masalah antara Bank dengan nasabah. problem between the Bank and the customer.
c. Karyawan tidak diperkenankan untuk menggunakan c. Not permitted to use facilities or services offered by
fasilitas atau jasa yang ditawarkan oleh nasabah atau customers or prospective customers due to the good
calon nasabah karena hubungan baik yang telah dibina, relationships that have been fostered, for personal or
untuk kepentingan pribadi atau keluarga yang dapat family interests that can cause conflicts of interest in the
menimbulkan benturan kepentingan pada tugas karyawan. employees’ duties.
d. Karyawan juga tidak diperkenankan menerima penjamuan d. Not permitted to accept excessive entertainment from
(hiburan) yang berlebihan dari pihak nasabah. Demikian the customers. Likewise, employees are not permitted to
pula karyawan tidak diperkenankan untuk mengadakan hold excessive entertainment that can create a negative
penjamuan yang berlebihan yang dapat menimbulkan image in the community on the Bank’s good name and the
citra negatif di masyarakat terhadap nama baik Bank dan employee’s good name.
nama baik karyawan yang bersangkutan.
3. Gratifikasi 3. Gratification
Bank Victoria tidak memperlakukan secara istimewa terhadap Bank Victoria does not exhibit special treatment to the
vendor/pemasok/rekanan yang telah menjadi nasabah Bank. vendors/suppliers/partners who are already the Bank’s
Demikian pula halnya, Bank tidak akan memberikan perlakuan customers. Likewise, the Bank will not provide special
khusus dengan cara menjanjikan dan/atau mengancam treatment by way of promising and/or threatening manner by
dengan menunjuk kepada potensi dan hubungan bisnis yang pointing to the potential and business relationships that have
terjalin dengan Bank. been well-established with the Bank.
Kebijakan Terkait Lobi, Kontribusi Politik, dan Policy Related to Lobbying, Political Contributions,
Keterlibatan Politik and Political Participation
Terkait dengan aktivitas politik, Bank Victoria menjamin seluruh With respect to political activities, Bank Victoria guarantees
karyawan Bank untuk dapat melaksanakan hak atas kesempatan the ability of all of the Bank’s employees to exercise their rights
penyaluran aspirasi politik. Namun demikian, Bank Victoria tidak towards opportunity to channel their political aspirations.
memberikan kontribusi politik dan tidak berafiliasi pada partai However, Bank Victoria does not make any political contributions
politik manapun. Seluruh karyawan Bank Victoria: and does not affiliate with any political parties. All employees of
Bank Victoria are:

1. Tidak diperkenankan meninggalkan tugas dan kewajibannya 1. Not permitted to leave their duties and obligations as Bank
sebagai karyawan Bank untuk melakukan aktivitas politik; employees to perform political activities;
2. Tidak diperkenankan melakukan aktivitas politik pada waktu 2. Not permitted to conduct political activities during working
kerja; hours;
3. Tidak diperkenankan menggunakan fasilitas perusahaan, 3. Not permitted to use company facilities, attributes, symbols,
atribut, simbol, atau hal lain yang berkaitan dengan identitas or other matters relating to the Bank’s identity for political
Bank untuk aktivitas politik; dan activities; and
4. Tidak diperkenankan menggunakan jabatan dan 4. Not permitted to use his/her position and authority to
kewenangannya untuk mempengaruhi atau memaksa influence or force other employees to carry out activities
karyawan lain agar melakukan kegiatan yang berkaitan related to the interests of political activity.
dengan kepentingan aktivitas politik.
Komitmen untuk Patuh pada Hukum dan Regulasi Commitment to Comply with Laws and Regulations
Bank berkomitmen untuk senantiasa patuh terhadap hukum The Bank is committed to observing the laws and regulations
dan regulasi dalam kegiatan usahanya. Hal tersebut diwujudkan in doing business activities. This is achieved by complying with
dengan mematuhi aturan di bidang perbankan, baik itu Undang- banking regulations, be it the Law on Banking, Financial Services
Undang Perbankan, Peraturan Otoritas Jasa Keuangan, Surat Authority Regulations, Financial Services Authority Circular
Edaran Otoritas Jasa Keuangan, dan peraturan lainnya yang Letters, and other regulations related to Bank Victoria’s line of
terkait dengan bidang usaha Bank Victoria. business.
Sosialisasi dan Penegakan Kebijakan Dissemination and Enforcement of Policies

Sosialisasi kebijakan-kebijakan yang terkait dengan operasi yang The Bank’s policies related to fair operations are disseminated
adil dilakukan melalui berbagai kegiatan, mulai dari proses induksi through multiple activities, starting from induction process of
karyawan baru, pelatihan dan pengembangan kompetensi, serta new employees, through training and competency development
berbagai kegiatan internal Bank. Implementasi kebijakan tersebut programs, to various internal activities. The Anti Fraud Team and
menjadi tanggung jawab Tim Anti Fraud dan Divisi Audit Internal/ Internal Audit/Integrated and Anti Fraud Division are responsible
Integrated and Anti Fraud. for the enforcement of the policies.

Pencapaian yang diperoleh Bank Victoria atas pelaksanaan Bank Victoria’s commitment to implementing the social
tanggung jawab sosial terkait operasi yang adil yaitu: responsibility related to fair operations has led to the following
achievements:
1. Tidak terdapat pelanggaran Kode Etik Bank; 1. There has been no violation of the Bank’s Code of Conduct;
2. Menurunnya jumlah pelanggaran fraud/suap/korupsi; 2. Declined number of fraud/bribery/corruption violations;
3. Penerimaan gratifikasi Bank dilaporkan dalam batas wajar 3. The Bank’s report shows that the amount of gratuity received
dan dapat dipertanggungjawabkan; are still within reasonable limits and can be accounted for;
4. Menurunnya perkara penting dan sanksi administrasi yang 4. Decreased number of significant cases and administrative
diterima Bank; dan sanctions imposed to the Bank; and
5. Terjaganya reputasi Bank. 5. The Bank’s reputation remains intact.

CSR Terkait Lingkungan Hidup

// CSR Related to the Environment
Komitmen dan Kebijakan CSR Terkait CSR Commitment and Policies Related to
Lingkungan Hidup the Environment
Bank berkomitmen untuk memperhatikan dan menjaga The Bank is committed to caring for and preserving the
kelestarian lingkungan hidup serta turut berpartisipasi dalam environment as well as participating in continuous efforts to
memperbaiki kualitas lingkungan secara terus-menerus. Hal improve the quality of the environment. This is put into actions by
tersebut diwujudkan melalui penerapan kebijakan program di enforcing programs and policies in the field of environment, such
bidang lingkungan hidup, seperti efisiensi penggunaan kertas, as the efficient use of papers, energy, and communication tools.
energi, dan alat komunikasi. Kebijakan dan program efisiensi Efficiency-related policies and programs are aimed at minimizing
ditujukan untuk meminimalisasi dampak operasional Bank the impact of the Bank’s operations on the environment and
terhadap lingkungan hidup dan menjaga ketersediaan sumber ensuring the availability of natural resources in the future.
daya alam di masa depan.
Bank juga mengatur persyaratan khusus bagi developer pengolah The Bank also regulates the special requirements for housing and
lahan pembangunan perumahan dan kawasan pemukiman residential land developers of at least 25 hectares of land area
dengan luas 25 hektar atau lebih wajib memiliki analisis mengenai or more, which require them to have the Environmental Impact
dampak lingkungan hidup (AMDAL). Melalui kewajiban tersebut, Analysis (AMDAL) Through such requirement, the Bank can
Bank dapat meminimalkan dan menjaga upaya-upaya kegiatan minimize and safeguard the efforts of economic activities that
ekonomi yang berdampak terhadap kelestarian lingkungan hidup. have an impact on environmental sustainability.
Perumusan CSR terkait Lingkungan Hidup CSR Formulation Related to Environment

Bank Victoria telah merumuskan beberapa aspek yang terkait Bank Victoria has formulated a number of issues related to the
dengan lingkungan hidup pada aktivitas operasional yang environment within the scope of operational activities, as well as
dijalankan serta telah memitigasi risikonya melalui kebijakan dan/ mitigating their risks by means of related policies and/or plans, as
atau rencana terkait, sebagaimana ditunjukkan berikut. outlined below.

Penyaluran kredit yang ramah lingkungan. Pembiayaan terhadap kegiatan usaha yang tidak Penetapan syarat minimal terhadap penyaluran
Environmentally friendly credit distribution. bertanggung jawab dapat merusak reputasi Bank kredit pada usaha yang terkait langsung dengan
dan keberlanjutan ekosistem lingkungan hidup. lingkungan, seperti kelengkapan dokumen
Financing irresponsible business activities can AMDAL dan PROPER.
cause damage to the Bank’s reputation and Applies minimum lending eligibility requirements
threats to an ecosystem’s sustainability. to businesses that have direct impact on the
environment, such as ownership of Environmental
Impact Analysis(AMDAL) document and PROPER.
Penggunaan energi dan sumber daya. Pemborosan energi dan sumber daya, serta Penggunaan energi listrik dan air sesuai
Use of energy and natural resources. peningkatan biaya operasional. kebutuhan.
Waste of energy and resources, and increased Use electricity and water only as needed.
operational costs.
Kelestarian lingkungan hidup sekitar wilayah Terganggunya aktivitas usaha Bank secara Ikut serta dalam kegiatan kepedulian lingkungan.
operasional. langsung maupun tidak langsung. Participates in environmental care activities.
Environmental preservation within operational Direct and indirect disruption to the Bank’s
areas. business activities.


Pada tahun 2019, pelaksanaan inisiatif yang dilakukan Bank In 2019, the implementation of initiatives carried out by Bank
Victoria terkait kepedulian terhadap lingkungan hidup sebagai Victoria related to environmental care is as follows.
berikut.
1. Pertimbangan Aspek Lingkungan dalam 1. Environmental Aspect Consideration in

Pemberian Kredit kepada Nasabah Providing Loans to the Customers
Bank melakukan checking dokumen khusus dalam proses The Bank performs checks on specific documents required
persetujuan kredit. Hal tersebut dilakukan bagi developer for credit approval process. Specifically, housing and
pengolah lahan pembangunan perumahan dan kawasan residential land developers of at least 25 hectares of land
pemukiman dengan luas 25 hektar atau lebih wajib memiliki area must own the Environmental Impact Analysis (AMDAL)
analisis mengenai dampak lingkungan hidup (AMDAL) sebagai as a requirement for proposing a credit loan. Through such
syarat dalam mengajukan kredit. Melalui kewajiban tersebut, requirement, the Bank can minimize and safeguard the efforts
Bank dapat meminimalisasi dan menjaga upaya-upaya of economic activities that have an impact on environmental
kegiatan ekonomi yang berdampak terhadap kelestarian sustainability.
lingkungan hidup.
Sektor Lapangan Usaha 2019 2018

Sectors of Business Field (Rp) (Rp)
PT Perkebunan Nusantara III 250,000,000,000 -
PT Samudera Parama Avirodha - 91,000,000,000
Total 250,000,000,000 91,000,000,000
2. Penghematan Energi dan Sumber Daya Alam 2. Preserving Energy and Natural Resources
a. Efisiensi penggunaan energi, yakni melalui penghematan a. Efficient use of energy through electricity saving by
penggunaan listrik dengan melakukan inventarisasi ulang conducting a re-inventory of office electronic equipment.
peralatan elektronik kantor. Peralatan elektronik yang Unused electronic equipment will be withdrawn from
tidak digunakan akan ditarik kembali dari unit kerja dan the Work Unit and stored in the warehouse to avoid
disimpan di gudang untuk menghindari pemakaian yang unnecessary use. Furthermore, the use of LED lights, air
tidak diperlukan. Selain itu, penggunaan lampu LED, conditioning temperature setting, lights outages at back
pengaturan suhu pendingin udara, pemadaman lampu office hours and outside working hours, as well as water
saat jam makan siang (back office) dan di luar jam kerja, saving campaigns are also done.
kampanye hemat air, dan inisiatif lainnya juga dilakukan.
b. Efisiensi penggunaan kertas, yakni melalui pemanfaatan b. Efficient use of paper through the use of used paper
kertas bekas dan portal perusahaan. Hal ini antara lain and corporate portals. This is conducted, among others,
dilakukan dengan meminimalkan fotokopi dokumen dan by minimizing photocopy of documents and replacing
menggantinya dengan distribusi dokumen elektronik them with distributing scanned electronic documents
yang telah dipindai (document scanning), termasuk untuk (document scanning), including for SOP dissemination,
keperluan sosialisasi SOP, penyampaian memorandum submission of memorandum, and Circular to all HC via
dan Surat Edaran kepada seluruh HC, melalui e-mail atau email or the Bank’s internal portal. In addition, used paper
portal internal Bank. Selain itu, kertas bekas yang masih that is still eligible for use will be re-used for informal
layak pakai akan digunakan kembali untuk keperluan internal purposes.
internal yang tidak formal.
c. Efisiensi di bidang telekomunikasi, yakni melalui c. Efficiency in telecommunication by taking advantage of
penggunaan voice over internet protocol (VOIP). Hal voice over internet protocol (VOIP). This is intended to
ini ditujukan untuk mengurangi biaya komunikasi dan reduce communication costs and the use of other less
penggunaan alat komunikasi lainnya yang kurang ramah environmentally friendly communication tools.
lingkungan.


Dampak positif dari kegiatan CSR terkait lingkungan hidup Positive impacts of CSR activities related to the environment
meliputi: include:
1. Minimalisasi dampak negatif terhadap lingkungan dari 1. Minimizing the negative impacts of the business activities on
kegiatan usaha; dan the environment; and
2. Efisiensi biaya air dan kertas. 2. Efficiency of water and paper expenses.
Penghargaan dan Sertifikasi, serta Awards and Certifications, and Handling

Penanganan Masalah Lingkungan Hidup of Environmental Problems
Karena kegiatan usaha yang dijalankan Bank Victoria tidak As the business activities carried out by Bank Victoria are not
bersentuhan langsung dengan lingkungan hidup, maka Bank directly in contact with the environment, the Bank does not obtain
tidak mengikuti sertifikasi dan tidak membentuk mekanisme any certification and does not have any mechanism of complaints
pengaduan masalah lingkungan hidup. on environmental problems.
CSR Terkait Ketenagakerjaan, Kesehatan,

dan Keselamatan Kerja
// CSR Related to Employment, Occupational Health and Safety (OHS)
Komitmen dan Kebijakan CSR terkait CSR Commitment and Policies Related to
Ketenagakerjaan dan K3 Employment and OHS
Bank Victoria berkomitmen untuk mengelola human capital (HC) Bank Victoria is committed to managing human capital (HC) in
sesuai peraturan perundang-undangan yang berlaku, khususnya accordance with the applicable laws and regulations, in particular
Undang-Undang No. 13 Tahun 2003 tentang Ketenagakerjaan Law No. 13 of 2003 on Manpower, and its derivative regulations.
dan peraturan turunannya. Terkait hal ini, Bank telah memiliki Regarding this matter, the Bank has the Board of Directors’
Surat Keputusan Direksi No. 014/SK-DIR/07/19 tanggal 30 Juli Decision Letter No. 014/SK-DIR/07/19 dated 30 July 2019 on
2019 tentang Standar Operasional Prosedur Human Capital Standard Operating Procedures of Human Capital Management.
Management.
Perumusan CSR terkait Ketenagakerjaan CSR Formulation Related to Employment

dan K3 and OHS
Bank Victoria telah merumuskan beberapa aspek yang terkait Bank Victoria has formulated several issues related to employment
dengan ketenagakerjaan dan K3 serta telah memitigasi risikonya and OHS and has mitigated their risks through related policies
melalui kebijakan dan/atau rencana terkait, sebagaimana and/or plans, as shown below.
ditunjukkan berikut.


Ketenagakerjaan: • Meningkatnya turnover karyawan; • Implementasi kesetaraan dan keadilan
• Perlakuan yang setara; • Menurunnya jumlah karyawan kompeten; dalam kesempatan kerja, pengembangan
• Remunerasi dan kesejahteraan; • Menurunnya produktivitas kerja; kompetensi, dan pengembangan karir;
• Pengembangan kompetensi dan karier. • Lingkungan kerja yang tidak kondusif dan • Pemberian remunerasi yang layak.
Employment: tidak aman; • Implement fair and equal job opportunities,
• Equal treatment; • Menurunnya reputasi Bank. competence development, and career
• Remuneration and welfare; • Increased employee turnover; development;
• Competency and career development. • Decreased number of competent employees; • Provision of appropriate remuneration.
• Decreased work productivity;
Kesehatan dan keselamatan kerja: • Non-conducive and unsafe work environment; • Peninjauan sarana dan prasarana kerja secara
• Ketersediaan sarana dan prasarana • Decreased Bank’s reputation. berkala;
keselamatan kerja; • Pemberian tunjangan kesehatan dan
• Ketersediaan fasilitas dan tunjangan keselamatan kerja.
kesehatan. • Periodic review of work facilities and
Occupational health and safety: infrastructures;
• Availability of occupational safety facilities • Provision of occupational health and safety
and infrastructure; allowances.
• Availability of health facilities and allowances.

Pada tahun 2019, pelaksanaan inisiatif terkait ketenagakerjaan In 2019, the implementation of initiatives related to employment
dan K3 yang diselenggarakan Bank Victoria diuraikan sebagai and OHS organized by Bank Victoria is described as follows.
berikut.
1. Pemenuhan Prinsip Kesetaraan dan Kesempatan 1. Fulfillment of Equality and Job Opportunity
Kerja Principles
Bank melakukan beberapa hal penting untuk menunjang The Bank undertook several important measures to promote
keberhasilan, seperti rekrutmen yang dilakukan secara adil success, such as fostering fair recruitment practices by
dengan memberikan kesempatan kerja yang sama bagi semua providing equal employment opportunities to all candidates,
kandidat, tanpa memandang jenis kelamin, suku, agama, ras, regardless of gender, ethnicity, religion, race, political
golongan politik, maupun tingkatan sosial.Hal ini antara lain group, or social rank. This, among others, can be seen from
dapat dilihat dari jumlah karyawan pria dan wanita yang relatif the number of male and female employees that is relatively
seimbang, mencapai 496 orang pria dan 518 orang wanita. balanced, with 496 male and 518 female employees.
2. Kesetaraan dalam Program Pendidikan dan 2. Equality in Education and Training Program
Pelatihan
Bank memberikan kesempatan yang setara bagi seluruh The Bank provides equal opportunities to all HC to receive
HC dalam mengikuti program pendidikan dan pelatihan education and training programs that are customized
yang disesuaikan dengan kebutuhan Bank dan HC terkait. according to the requirements of the Bank and its related
Hal ini sejalan dengan Misi Bank, yaitu “mengembangkan HC. It is in parallel with the Bank’s mission to “develop
sumber daya manusia yang berdedikasi dengan mendukung dedicated human resources by fostering the development
pengembangan kemampuan pribadi”, serta diharapkan dapat of personal capabilities”, and is expected to make a positive
memberikan kontribusi positif dalam pencapaian kinerja dan contribution to the Bank’s business performance and growth
pertumbuhan bisnis Bank. achievements.
3. Hubungan Industrial 3. Industrial Relations

Bank menciptakan hubungan yang harmonis, selaras, dan The Bank establishes a harmonious, aligned, and fair
berkeadilan dengan seluruh HC melalui pemenuhan hak dan relationship with all HC through fulfilling the rights and
kewajiban berdasarkan aturan-aturan yang dimuat dalam Surat obligations based on the regulations contained in the Decree
Keputusan Direktur Jenderal Pembinaan Hubungan Industrial of the Director General of Industrial Relations Development
dan Jaminan Sosial Tenaga Kerja No. Kep. 564/PHIJSK-PK/PP/ and Workers’ Social Security No. Kep. 564/PHIJSK-PK/PP/
IV/2019 tanggal 16 April 2019 tentang Pengesahan Peraturan IV/2019 dated 16 April 2019 on the Validation of Company
Perusahaan PT Bank Victoria International Tbk. Pembaharuan Regulations of PT Bank Victoria International Tbk. Updates
terhadap Peraturan Perusahaan dilakukan secara berkala to the Company Regulations are carried out periodically in
sesuai dengan ketentuan. accordance with the provisions.

4. Remunerasi 4. Remuneration
Bank memberikan perlakuan yang adil dan setara terhadap The Bank provides fair and equal treatment of all HC, including
seluruh HC, antara lain melalui pemberian kompensasi yang through providing compensation in accordance with the
sesuai dengan prinsip-prinsip: principles of:
a. Pay for Performance, yakni pemberian kompensasi sesuai a. Pay for Performance, giving compensation in accordance
dengan kinerja; with performance;
b. Pay for Position, yakni pemberian kompensasi sesuai b. Pay for Position, giving compensation in accordance with
dengan posisi/jabatan; dan position/job title; and
c. Pay for Person, yakni pemberian kompensasi sesuai c. Pay for Person, giving compensation in accordance with
dengan keahlian individu. individual expertise.

Kompensasi tersebut terdiri dari gaji dan tunjangan imbalan The compensation consists of salary and benefits, post-
pascakerja, tunjangan hari raya, serta bonus. Pemberian employment benefits, holiday allowances, and bonus. The
kompensasi diharapkan dapat menyejahterakan HC serta compensation is expected to be able to prosper HC and
memberikan rasa aman dan nyaman dalam bekerja. Tingkat provide a sense of security and comfort in work. The level of
keadilan dalam remunerasi dapat dilihat dari rasio gaji tertinggi fairness in remuneration can be seen from the ratio of the
dan terendah selama tahun 2019. highest and lowest salaries during 2019.
Rasio
Uraian Description
Ratio
Gaji Dewan Komisaris tertinggi dan terendah 2:1 Commissioner’s highest and lowest salary
Gaji Direksi tertinggi dan terendah 2:1 Director’s highest and lowest salary
Gaji pegawai tertinggi dan terendah 20 : 1 Employee’s highest and lowest salary
5. Program Pensiun 5. Pension Program

Berdasarkan Surat Keputusan Direksi No. 020/SK-DIR/09/20 Based on Board of Directors’ Decision Letter No. 020/SK-
tanggal 30 Juli 2019 tentang Usia Pensiun bagi Karyawan, Bank DIR/09/20 dated 30 July 2019 on Retirement Age for Employees,
melaksanakan program pensiun bagi karyawan di atas 55 tahun. the Bank provides retirement benefits to employees over 55
HC yang memasuki usia pensiun akan didaftarkan pada program years old. HC entering retirement age will be registered in the
pensiun dan menerima uang pensiun sesuai dengan ketentuan pension plan and receive a pension in accordance with the
perundangan yang berlaku. Selain itu, para pensiunan dapat applicable provisions of laws and regulations. Furthermore,
dipekerjakan kembali dengan status sebagai karyawan kontrak. they can be rehired under contract status.
6. Kesehatan dan Keselamatan Kerja 6. Occupational Health and Safety

a. Kesehatan a. Health
Bank menyediakan fasilitas jaminan kesehatan bagi HC The Bank consistently provides health insurance
berupa asuransi kesehatan untuk suami/istri dan anak facilities to HC, their spouse and children. This initiative
secara konsisten. Hal ini diharapkan dapat meningkatkan is expected to increase HC productivity on an ongoing
produktivitas HC secara berkelanjutan melalui proteksi basis through protection and cost coverage while using
dan pertanggungan biaya selama menggunakan fasilitas the facilities. The health facilities provided by the Bank
tersebut. Adapun fasilitas kesehatan yang disediakan are in the forms of insurance coverage that includes
Bank berupa asuransi kesehatan yang meliputi examination and hospital care, not only inpatient, but
pemeriksaan dan perawatan di rumah sakit, baik untuk also outpatient, and dental care.
rawat inap, rawat jalan, maupun perawatan gigi.
b. Keselamatan Kerja b. Occupational Safety

Dalam melaksanakan program CSR terkait keselamatan In implementing CSR programs related to occupational
kerja, Bank telah melengkapi seluruh kantor operasional safety, the Bank has equipped all operational offices
dengan berbagai perangkat keselamatan kerja, melakukan with multiple occupational safety equipment, performing
pemeliharaan lift, serta menggunakan monitor komputer elevator maintenance, and employing anti-radiation
antiradiasi. Selain itu, Bank telah memiliki rencana situasi monitors. In addition, the Bank has prepared fire situation
atau evakuasi kebakaran. Prosedur operasional keselamatan or fire evacuation plan. A fire safety operating procedure
kebakaran ditempatkan di ruang karyawan pada setiap lantai is posted in employees’ work room area on every floor of
gedung, sehingga seluruh HC memiliki edukasi dengan baik. the building so that all HC are well informed.
Rincian fasilitas-fasilitas K3 yang disediakan Bank Victoria, Details of OHS facilities, particularly those located in
khususnya yang berada di gedung perkantoran diuraikan office buildings, that are provided by Bank Victoria, are
sebagai berikut. as follows.

Uraian Total Description
Alat Pemadam Api Ringan (APAR) 75 Lightweight Fire Extinguisher (APAR)
Kotak P3K 53 First Aid Box
Tempat Berkumpul 1 Assembly Point
Monitor Antiradiasi 722 Anti-radiation Monitor
Bank mengikutsertakan seluruh HC sebagai peserta program The Bank registers all HC with Jamsostek (Workers’
Jaminan Sosial Tenaga Kerja (Jamsostek) yang meliputi: Social Security) program, that includes:
1) Program Jaminan Hari Tua (JHT); 1) Old Age Savings Program (JHT);
2) Program Jaminan Kecelakaan Kerja (JKK); 2) Occupational Accident Program (JKK);
3) Program Jaminan Kematian (JKM); dan 3) Death Benefit Program (JKM); and
4) Program Jaminan Pensiun (JP). 4) Pension Program (JP)

Pelaksanaan kegiatan CSR terkait ketenagakerjaan dan K3 di tahun The implementation of CSR activities related to employment and
2019 telah memberikan beberapa dampak positif sebagai berikut. OHS in 2019 has resulted in several positive impacts as follows.
1. Turnover Karyawan 1. Employee Turnover

Tingkat turnover karyawan dapat terjaga cukup baik walaupun The employee turnover rate was well-maintained although
mengalami peningkatan bila dibandingkan tahun sebelumnya, experiencing an increase when compared to that of previous
yaitu dari 26,63% menjadi 27,02%. year, from 26.63% to 27.02%.
2. Tingkat Kecelakaan Kerja 2. Occupational Accident Rate

Tidak adanya kecelakaan kerja yang fatal dari setiap kegiatan There has been no report of fatal accident at workplace in any
operasional Bank (zero fatality). of the Bank’s operations (zero fatality).
3. Biaya Ketenagakerjaan dan K3 3. Employment and OHS costs

Sepanjang tahun 2019, Bank Victoria telah mengeluarkan Throughout 2019, Bank Victoria spent Rp164,384,482,866 for
Rp164.384.482.866,- untuk biaya tenaga kerja, labor costs, Rp4,870,542,380 for competency development
Rp4.870.542.380,-, untuk biaya pengembangan kompetensi, costs, Rp3,280,720,711 for health insurance costs, and
Rp3.280.720.711,- untuk biaya asuransi kesehatan, Rp1,350,374,722 for other insurance costs.
Rp1.350.374.722,- untuk biaya asuransi lainnya.
Penanganan Keadaan Darurat Occupational Safety Emergency Handling

Keselamatan Kerja
Setiap kegiatan operasional di dalam gedung Bank berpotensi Every operational activity in the Bank’s building has the potential
menghadapi berbagai keadaan darurat, seperti: to encounter multiple types of emergencies, such as:
1. Kebakaran dan/atau ledakan; 1. Fire and/or explosion;
2. Faktor alam, seperti banjir, gempa bumi, tsunami, gunung 2. Nature factors, such as flood, earthquake, tsunami, volcano,
meletus, dan lain-lain; serta and so forth; as well as
3. Sabotase/aktivitas terorisme, ancaman bom, dan huru-hara. 3. Sabotage/terrorism activities, bomb threats, and riots.
Berikut prosedur penanganan keadaan darurat. The followings are procedures for handling emergencies.
1. Penanganan keadaan darurat kebakaran dan/atau ledakan: 1. Handling fire and/or explosion emergencies:
a. Karyawan yang mengetahui terlebih dahulu dapat a. Any employee who is aware of the problem earlier may
memadamkan kebakaran kecil menggunakan alat put out small fires using extinguishers available on the
pemadam yang tersedia di lantai tersebut, kemudian floor, then reports the incident to the Floor Warden (the
melaporkan kejadian tersebut kepada Komandan Lantai person appointed to play a critical role during emergency
(orang yang ditunjuk memegang peranan penting ketika response);
terjadi keadaan darurat);

b. Bila kebakaran tersebut tidak dapat dipadamkan oleh b. If the fire cannot be extinguished by the employee
karyawan dan peralatan seperti tersebut pada poin 1, and the equipment as mentioned in point 1, the Floor
maka Komandan Lantai harus segera menghubungi divisi Warden must immediately contact the Bank’s emergency
keadaan darurat yang dimiliki Bank; division;
c. Ketika menerima informasi keadaan darurat, divisi c. Upon receipt of an emergency information, the division
tersebut menekan tombol darurat (fire alarm); must press an emergency button (fire alarm);
d. Semua orang yang berada di masing-masing lantai d. All occupants of each floor must follow directions given
gedung Bank diwajibkan mematuhi arahan dari by their respective Floor Warden; and
Komandan Lantai; dan
e. Jika api dirasa tidak dapat dipadamkan atau kondisinya e. If the fire seems unstoppable or difficult situations
tidak memungkinkan, maka segera selamatkan diri menuju occur, then employees shall immediately evacuate to
tempat berkumpul sesuai arahan Komandan Lantai. the assembly point according to the respective Floor
Warden’s command.
2. Penanganan keadaan darurat gempa bumi, ancaman bom, 2. Handling earthquakes, bomb threats, and disasters:
dan huru-hara:
a. Jika tombol darurat berbunyi, maka seluruh karyawan a. If the emergency button sounds, all employees must go
menuju titik kumpul setelah mematikan semua sumber to the assembly point after turning off all energy sources,
energi, dan mengambil barang yang diperlukan/penting and take the necessary/important items according to the
sesuai arahan Komandan Lantai; respective Floor Warden’s command;
b. Kepala Komunikasi segera menelepon nomor- b. The Communication Supervisor must immediately
nomor penting untuk penanganan lebih lanjut serta make a call to important numbers for further handling
mengarahkan Tim Keamanan untuk mengamankan and direct the Security Team to secure employees and
karyawan dan aset; assets;
c. Petugas penyelamat dan yang bertanggung jawab atas c. In the event of a riot, rescuers and those responsible for
P3K segera bergabung dengan Tim Keamanan jika terjadi First Aid (P3K) must join the Security Team; and
huru-hara; dan
d. Jika terjadi banjir, maka karyawan diarahkan untuk d. In the event of a flood, employees are directed to move
berpindah ke tempat yang lebih tinggi dan dianjurkan to a higher ground and are advised to avoid electrical
untuk menghindar dari peralatan listrik. appliances.
Mekanisme Pengaduan Masalah Complaint Mechanism for Employment

Ketenagakerjaan Issues
Terkait pengaduan masalah atau konflik ketenagakerjaan, HC HC can submit complaints regarding employment problems or
dapat menyampaikan pengaduan kepada pihak pengelola, yaitu conflicts to the management, particularly the Human Capital
Divisi Human Capital Management and General Affair. Selain itu, Management and General Affairs Division. In addition, the Bank
Bank juga menyediakan sarana bagi HC untuk berkumpul dan also provides a means for HC to assemble and associate.
berserikat.

CSR Terkait Pengembangan Sosial

dan Kemasyarakatan
// CSR Related to Social and Community Development
Komitmen dan Kebijakan CSR CSR Commitment and Policies Related to

Terkait Pengembangan Sosial dan Social and Community Development
Kemasyarakatan
Bank berkomitmen untuk senantiasa berpartisipasi dalam The Bank is always committed to participating in the efforts
peningkatan kesejahteraan masyarakat. Bank meyakini bahwa hal to improve community welfare. The Bank believes that such
tersebut akan mendukung perkembangan dan keberlangsungan improvement will support the Bank’s business development
bisnis secara berkelanjutan. Komitmen tersebut diwujudkan and sustainability. This commitment is demonstrated through
melalui kebijakan CSR terkait pengembangan sosial dan the CSR policies related to social and community development,
kemasyarakatan yang disesuaikan dengan Surat Keputusan accommodating the Board of Director’s Decision Letter No.
Direksi No. 014/SK-DIR/07/19 tanggal 30 Juli 2019 tentang Standar 014/SK-DIR/07/19 dated 30 July 2019 on Standard Operating
Operasional Prosedur Human Capital Management, khususnya Procedures of Human Capital Management, particularly related to
terkait Usulan Corporate Sosial Responsibility. Corporate Social Responsibility proposal.
Sejak tahun 2019, Bank telah memperbarui pelaksanaan CSR Since 2019, the Bank has renewed the CSR implementation related
terkait pengembangan sosial dan kemasyarakatan. Pelaksanaan to social and community development. CSR implementation is not
CSR tidak hanya merupakan bantuan yang bersifat insidental, only incidental in nature, but is more focused on medium-term
namun lebih terarah dengan program-program jangka menengah and long-term programs that have been defined and budgeted in
dan jangka panjang yang telah ditetapkan dan dianggarkan dalam the Bank’s Business Plan. This is intended so that the sustainable
Rencana Bisnis Bank. Hal ini ditujukan agar pengembangan sosial social and community development can truly support the
dan kemasyarakatan secara berkelanjutan dapat benar-benar improvement of the community’s social and economic welfare.
mendukung peningkatan kesejahteraan sosial dan ekonomi
masyarakat.
Perumusan CSR terkait Pengembangan CSR Formulation Related to Social and

Sosial dan Kemasyarakatan Community Development
Bank Victoria telah merumuskan beberapa aspek yang terkait Bank Victoria has formulated several aspects related to social and
dengan pengembangan sosial dan kemasyarakatan serta telah community development and has established a mitigation plan
menetapkan rencana mitigasi risiko yang ditimbulkan melalui against the risks resulting from related policies and/or plans, as
kebijakan dan/atau rencana terkait, sebagaimana ditunjukkan shown below.
berikut.

Related Issues Occurred Risks Mitigation Plan
Penggunaan tenaga kerja lokal. Terbatasnya penyerapan tenaga kerja nasional. Rekrutmen tenaga kerja domestik dan lokal
Use of local workforce. Limited number of domestic workforces. (sesuai wilayah operasional).
Recruitment of domestic and local workers
(based on area of operations).
Literasi dan inklusi keuangan. Terbatasnya pengetahuan masyarakat terkait Pelaksanaan literasi dan inklusi keuangan secara
Financial literacy and inclusion. lembaga jasa keuangan dan manfaat yang berkala dan terencana.
diberikan. Conduct periodic and well-planned financial
Lack of public knowledge on financial service literacy and inclusion initiatives.
institutions and their advantages.
Ketersediaan infrastruktur dan fasilitas umum. Rendahnya kesejahteraan sosial masyarakat. Aktif berpartisipasi dalam kegiatan
Availability of public infrastructures and facilities. Low social welfare. kemasyarakatan.
Participate actively in community-oriented
Bantuan sosial. activities.
Social aid.

Pelaksanaan Inisiatif Implementation of Initiatives

Sepanjang 2019, pelaksanaan inisiatif terkait pengembangan Throughout 2019, the implementation of initiatives related to
sosial dan kemasyarakatan Bank Victoria sebagai berikut. social and community development was as follows.
Penggunaan Tenaga Kerja Lokal Use of Local Workforce

Rekrutmen Bank terutama ditujukan untuk menjangkau anak The Bank prioritizes the recruitment of competent local people
bangsa berkompeten untuk maju bersama Bank Victoria. so they can move forward with Bank Victoria. Recruitment at
Rekrutmen di kantor cabang juga memberikan kesempatan branch offices also provides an opportunity for the local people
kepada masyarakat lokal (memiliki KTP sesuai wilayah operasional (residents of the Bank’s operational area, as shown by ID Card) to
Bank) untuk berkarya di perusahaan. Hal tersebut dibuktikan work for the Company. This is evidenced by the fact that 100.00%
dengan 100,00% karyawan Bank merupakan warga negara of the Bank’s employees are Indonesian citizens. In addition, an
Indonesia. Selain itu, rata-rata 100,00% karyawan di wilayah average of 100.00% of employees within the Bank’s operational
operasional Bank merupakan tenaga kerja lokal. areas are local workers.
Literasi dan Inklusi Keuangan Financial Literacy and Inclusion

Program ini dilaksanakan sesuai dengan arahan Otoritas Jasa The program is held in accordance with the direction of the
Keuangan dalam Strategi Nasional Literasi Keuangan Indonesia Financial Services Authority in the National Strategy for
dan Peraturan Otoritas Jasa Keuangan No. 76/POJK.07/2016 Indonesian Financial Literacy and Financial Services Authority
tentang Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Regulation No. 76/POJK.07/2016 on Improving Financial Literacy
Keuangan bagi Konsumen dan/atau Masyarakat. and Inclusion in the Financial Services Sector for Consumers and/
or Communities.
1. Kegiatan program literasi keuangan 1. Financial literacy program activities
Bank Victoria melaksanakan program literasi keuangan Bank Victoria performs its financial literacy programs in
sesuai dengan sasaran, strategi dan kebijakan Bank yang accordance with the Bank’s objectives, strategies, and
diuraikan sebagai berikut. policies as described below.
a. Sejak bulan Agustus 2014, Bank telah menindaklanjuti a. Since August 2014, the Bank has followed up the Financial
program pilot project Otoritas Jasa Keuangan untuk Services Authority’s pilot project program in providing
memberikan pendidikan kepada anak-anak agar mulai education to children to get to know the bank since
mengenal bank sejak dini. Pada tahun 2019, Bank melanjutkan early age. In 2019, the Bank continued its program “Let’s
program “Ayo ke Bank” dengan memberikan edukasi dan Go to the Bank”, by providing education and literacy to
literasi kepada Ibu-ibu rumah tangga, Ibu–ibu kader PKK, housewives, female members of PKK (Family Welfare
dan karyawati dengan memberikan materi “Perencanaan Group), and female employees by giving educational
Keuangan Rumah Tangga”, dan ”Sosialisasi Kartu Gerbang materials of “Household Financial Planning”, and
Pembayaran Nasional” kepada masyarakat luas, program ini “National Payment Gateway Card Dissemination” to the
dilakukan sebanyak 4 (empat) kegiatan di tahun 2019 yang general public. These programs were held 4 (four) times
semuanya dilaksanakan di bulan Oktober 2019. in 2019, all of which were held in October 2019.
Program “Ayo Ke Bank“ telah direalisasikan di 4 (empat) The “Let’s Go to the Bank” program has been conducted in
lokasi pelaksanaan dengan data sebagai berikut. 4 (four) locations with the following data.
Tanggal Lokasi Peserta

Date Location Participants
10 Oktober SD Muhammadiyah 37 Tangerang 40 Siswa dan 2 (dua) Guru
10 October Muhammadiyah 37 Elementary School Tangerang 40 Students and 2 (two) Teachers
SMP IT Tamaddun Pondok Cabe Udik-Tangerang

10 Oktober Selatan 44 Siswa dan 6 (enam) Guru
10 October Tamaddun Pondok Cabe Udik IT Junior High 44 Students and 6 (six) Teachers
School - South Tangerang

Tanggal Lokasi Peserta

Date Location Participants
SDN 03 Pondok Cabe Udik – Tangerang Selatan 25 Wali Murid SD kelas 2A dan 6 (enam) Guru
11 Oktober
11 October 03 Pondok Cabe Udik State Elementary School - 25 Parents of Elementary School students of Class
South Tangerang 2A and 6 (six) Teachers
96 Ibu-ibu Kader PKK (Pemberdayaan Kesejahteraan

Keluarga) dan Staf Kelurahan PCU Tangerang
28 Oktober Kantor Kelurahan PCU - Tangerang
28 October Urban Village Office PCU Tangerang 96 female members of PKK (Family Welfare
Empowerment) and Staff of Urban Village PCU
Tangerang
b. Membangun sarana media komunikasi literasi keuangan b. Building a means of financial-literacy communication
di kantor cabang, kantor cabang pembantu, dan kantor media at branch offices, sub-branch offices, and cash
kas untuk mempermudah dan mempercepat nasabah offices in order to facilitate and accelerate customer
dalam memberikan masukan kepada Bank atas layanan feedback process towards the Bank concerning its
yang diberikan. Hal ini antara lain dilakukan dengan: services This was done, among others, by:
• Memasang poster perlindungan konsumen di kantor • Installing consumer protection posters at branch
cabang, kantor cabang pembantu, dan kantor kas, offices, sub-branch offices, and cash offices, which
yang memuat e-mail dan nomor telepon Customer contain Bank Victoria Customer Care telephone
Care Bank Victoria agar para nasabah dapat numbers and e-mail address so that customers can
memberikan masukan kepada Bank secara langsung give direct and recorded feedback, both orally and in
dan terekam, baik lisan maupun tulisan; writing;
• Menggunakan media iklan, brosur, banner, dan situs • Using advertising media, brochures, banners, and
Bank untuk memberikan informasi bahwa aktivitas the Bank’s website to convey a message that the
Bank terdaftar dan diawasi oleh Otoritas Jasa Bank’s activities are registered and supervised by the
Keuangan; dan Financial Services Authority; and
• Mengadakan acara customer gathering untuk • Holding customer gathering events to explain the
menerangkan manfaat dan perbedaan dalam produk benefits and differences of the Bank’s products and
serta layanan yang ditawarkan Bank. services.
c. Membangun komunikasi terkait program literasi c. Setting up communication related to financial literacy
keuangan melalui situs dan media sosial Bank untuk programs through the Bank’s website and social media to
mempermudah dan mempercepat akses informasi facilitate and accelerate access to financial information
keuangan bagi masyarakat luas. Hal ini dilakukan melalui: for the wider community. This was conducted through:
• Situs Bank (www.bankvictoria.co.id); dan • The Bank’s website (www.bankvictoria.co.id); and
• Media sosial Facebook, Youtube, LinkedIn dan • Social media, including Facebook, Youtube and
Instagram dengan nama akun Bank Victoria. Instagram, under the account name of Bank Victoria.
2. Evaluasi kegiatan program literasi keuangan 2. Evaluation of the financial literacy program activities
a. Program Edukasi “Ayo ke Bank dan Perencanaan a. “Let’s Go to the Bank and Household Financial Planning”
Keuangan Rumah Tangga” dengan sistem edukasi dan Education Program with an education and campaign
kampanye kepada murid-murid sekolah SD, SMP dan SMA system for elementary, middle, and high school students
serta ibu rumah tangga dan karyawati. as well as housewives and employees.
1) Pelaksanaan program 1) Program Implementation
Pelaksanaan program dimulai dengan penyusunan The program started with preparing the material
materi bagi peserta program, Tim Literasi Keuangan for the participants, the Bank’s Financial Literacy
Bank dapat mengunduh materi Ayo ke Bank dan Team can download the material of Let’s Go to
Perencanaan Keuangan Rumah Tangga dari website the Bank and Household Financial Planning from
edukasi Otoritas Jasa Keuangan. Selanjutnya, Tim the education website of the Financial Services
Literasi Keuangan melakukan koordinasi dengan Authority. Furthermore, the Financial Literacy Team
kantor cabang terdekat sesuai dengan lokasi edukasi coordinated with the branch office that is closest to
yang dilaksanakan. where the education took place.
2) Perencanaan dan persiapan 2) Planning and preparation

Dalam hal ini, pihak-pihak yang akan menyampaikan In this matter, the parties delivering the teaching are
pengajaran merupakan orang-orang yang telah those who have received training and counseling, and
memperoleh pelatihan dan penyuluhan, serta yang have mastered the program. The materials provided
menguasai program. Materi yang diberikan telah have been completed with video containing clear
dilengkapi dengan video yang memuat referensi audio-visual references, thus, they can provide a

audio visual yang jernih, sehingga dapat memberikan clear picture of the importance of the program to the
gambaran yang jelas mengenai pentingnya program participants. Moreover, Bank Victoria also prepared
kepada peserta edukasi. Selain itu, Bank Victoria a number of children songs related to Let’s Save to
juga mempersiapkan beberapa lagu anak-anak further attract students’ interest in participating in
terkait dengan Ayo Menabung untuk lebih menarik the Let’s Go to the Bank program.
minat para siswa dalam mengikuti program Ayo Ke
Bank tersebut.
3) Pencapaian tujuan yang telah ditetapkan 3) Achievement of predetermined objectives

Penunjukan lokasi yang akan mengikuti program The appointment of locations that took part in “Let’s
“Ayo ke Bank dan Perencanaan Keuangan Rumah Go to the Bank and Household Financial Planning”
Tangga” disesuaikan dengan lokasi kantor cabang, program is suited to the location of Bank Victoria’s
kantor pembantu, dan kantor kas Bank Victoria yang branch offices, sub-branch offices, and cash offices
berdekatan dengan lokasi kegiatan edukasi yang that is closest to the location where the education
dilakukan, sehingga dapat mempermudah koordinasi took place, so that coordination between parties
antarpihak. Melalui program ini, diharapkan ibu-ibu was easier. Through this program, it is expected that
dapat mulai mengatur dan melakukan perencanaan mothers can begin to organize and manage their
keuangan rumah tangga menjadi lebih baik lagi ke household financial planning better in the future.
depannya. Hal ini juga ditujukan agar ibu rumah This is also intended so that housewives can be
tangga dapat terpacu dan termotivasi untuk semakin driven and motivated to care more about how to use
peduli dengan cara mengelola uang dalam konteks money in their daily lives. In addition, this is also so
sehari-hari. Selain itu, juga agar para murid SD, that elementary, middle, and high school students
SMP dan SMA dapat benar-benar memahami dan can truly understand and know about the benefit and
mengetahui mengenai manfaat dan kegunaan use of saving from an early age.
menabung sejak dini.
4) Pelaksanaan strategi dan kebijakan yang telah 4) Implementation of the established strategies and
ditetapkan. policies.
Strategi dan kebijakan yang dilakukan Bank agar The following strategies and policies have been
program literasi keuangan dapat mencapai tujuan carried out by the Bank so that the financial literacy
diuraikan sebagai berikut. programs can achieve their objectives.
• Pre-test tentang pemahaman mengenai “Ayo ke • Pre-test on the understanding of “Let’s Go to the
Bank dan Perencanaan Keuangan Rumah Tangga” Bank and Household Financial Planning”.
Untuk mengukur keberhasilan pelaksanaan To measure the success of the program’s
program tersebut, Bank perlu mengetahui implementation, the Bank needs to know the
pemahaman awal dan perkembangan pada participants’ initial understanding before and
pemahaman peserta setelah mengikuti program. after joining the program. Measurement of
Pengukuran pemahaman awal dilakukan dengan initial understanding is done by giving 17 pre-
memberikan 17 pertanyaan pre-test dan post- test questions, and post-test to the participants
test kepada peserta program yang berhubungan related to the knowledge and understanding of
dengan pengetahuan dan pengertian terkait the “Household Financial Planning” material.
materi Perencanaan Keuangan rumah tangga
yang diberikan.
• Pendalaman materi “Ayo ke Bank dan • IMaterial deepening of “Let’s Go to the Bank and
Perencanaan Keuangan Rumah Tangga” Household Financial Planning”
Setelah mengetahui pemahaman awal peserta, Upon identifying the participants’ initial
pemateri yang berasal dari Bank Victoria akan understanding, the speaker from Bank Victoria
memberikan edukasi dengan cara yang interaktif will provide interactive and communicative
dan komunikatif yang memungkinkan peserta education that allows participants to ask
dapat bertanya dan memberikan pendapat questions and give opinions directly.
secara langsung.
5) Kendala yang dihadapi dan upaya-upaya pemecahan 5) Obstacles and problem-solving efforts
masalah yang dilakukan
Pelaksanaan program ini tentunya memiliki The implementation of this program certainly has
beberapa kendala, khususnya dalam meyakinkan several obstacles, especially in convincing the
para peserta untuk mengikuti program “Ayo ke Bank participants to take part in the “Let’s Go to the Bank
dan Perencanaan Keuangan Rumah Tangga” dengan and Household Financial Planning” program with
keterbatasan waktu dan pemahaman mengenai limited time and understanding of the importance

pentingnya perencanaan keuangan rumah tangga. of household financial planning. Private schools
Sekolah swasta yang menjadi salah satu sasaran that are one of the targets sometimes have their
terkadang mempunyai kebijakan tersendiri, hingga own policies, so they cannot hold the program at the
tidak dapat melakukan program di sekolah tersebut. school.
Kendala-kendala tersebut dapat diatasi Bank The Bank overcame these obstacles with an
melalui pendekatan kepada pihak ketua koordinator approach to the coordinating parties of the groups of
kelompok peserta edukasi serta pihak terkait sampai participants and related parties so that the education
dengan terselenggaranya edukasi, berjalan dengan program works smoothly and achieves the target.
baik, dan sesuai dengan target yang diinginkan.
6) Program Edukasi “Sosialisasi Kartu Gerbang 6) Educational Program of “Dissemination of the

Pembayaran Nasional (GPN)” dengan sistem National Payment Gate (GPN) Card” with a campaign
kampanye kepada masyarakat umum lainnya. system intended for other general public. The
Program tersebut antara lain: programs include:
• Pelaksanaan program Sosialisasi GPN • GPN Dissemination Program is a mandatory
merupakan program wajib dari Bank Indonesia program from Bank Indonesia that must be
yang harus diikuti oleh setiap Bank. carried out by every bank.
• Pelaksanaan Sosialisasi Kartu GPN dilakukan di • GPN Card Dissemination programs have been
2 (dua) kota yaitu Bali dan Manado. carried out in 2 (two) cities, i.e. Bali and Manado.
• Pelaksanaan Sosialisasi Kartu GPN mengikuti • The GPN Card Dissemination programs followed
jadwal road show dari pihak Bank Indonesia. the road show schedule of Bank Indonesia.
b. Program penguatan infrastruktur literasi keuangan b. Program for reinforcing the financial literacy infrastructures.
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on the Financial Services Authority Regulation on
tentang Peningkatan Literasi dan Inklusi Keuangan Improving Financial Literacy and Inclusion in the Financial
di Sektor Jasa Keuangan bagi Konsumen dan/atau Services Sector for Consumers and/or Communities, the
Masyarakat, pelaksanaan edukasi keuangan disertai implementation of financial education is accompanied
dengan pengembangan infrastruktur pendukung dan by the development of supporting infrastructures and
diikuti dengan ketersediaan akses masyarakat terhadap followed by ensuring the availability of public access to
lembaga, produk dan/atau layanan jasa keuangan yang financial institutions, products, and/or services that are
sesuai dengan kebutuhan dan kemampuan masyarakat. in line with the community’s needs and capacity.
Amanat tersebut dijalankan melalui koordinasi antara The mandate was carried out through coordination between
kantor pusat dan cabang di seluruh Indonesia. Bank head office and branch offices throughout Indonesia. The
juga bekerja sama dengan mitra asuransi untuk program Bank also works with insurance partners to deal with wealth
wealth management, dengan tujuan untuk membantu management programs, with the aim of helping customers
nasabah dalam meningkatkan kesejahteraan keuangan improve their financial well-being. The wealth management
mereka. Kerja sama program wealth management telah program partnership has produced bancassurance products.
menghasilkan produk bancassurance.
Bank terus melakukan sosialiasi dan pengenalan The Bank continues to disseminate and introduce
produk bancassurance dengan melakukan training serta bancassurance products by conducting training and
pendalaman materi, baik dalam bentuk gathering maupun material study, both in the form of gatherings and
roadshow kepada calon nasabah dan nasabah di cabang roadshows, to prospective customers and customers
maupun di luar cabang, termasuk semua Branch Manager. at branches and outside branches, including all Branch
Melalui acara tersebut, Bank menerangkan kegunaan, Managers. Through the event, the Bank explains the uses,
manfaat serta perbedaan produk dan informasi mengenai benefits, and differences of products and information about
biaya lainnya. Sedangkan, bagi Branch Manager, hal ini other costs. As for the Branch Managers, this is intended to
dimaksudkan untuk meningkatkan pemahaman dan improve deeper understanding and comprehension on the
pengertian secara lebih detail mengenai manfaat dan benefits and risks of the products offered.
risiko atas produk yang ditawarkan.
Perbaikan Sarana dan Prasarana Sosial Repair of Social Facilities and Infrastructures
Pada tahun 2019, Bank melaksanakan program perbaikan sarana In 2019, the Bank implemented a facility and infrastructure
dan prasarana dengan rincian sebagai berikut. improvement program with the following details.

Biaya
Kegiatan Lokasi
Expenses
Activities Location
(Rp)
Pemberian bantuan pendidikan pembangunan Sekolah Luar Biasa Insan Mandiri, Depok 123,080,000
ruang perpustakaan dan renovasi Insan Mandiri Special Education School, Depok
Providing educational assistance for the
construction of library rooms and renovations
Total 123,080,000
Pemberian Donasi Donation

Pada tahun 2019, Bank Victoria telah memberikan donasi sebagai Throughout 2019, Bank Victoria distributed donations as follows.
berikut.
Biaya
Kegiatan Lokasi Expenses
Activities Location
(Rp)
Pemberian bantuan sosial kemasyarakatan Al Sentul, Bogor 5,000,000
TPA Darussurur Al Masykuriyyah
Providing community social assistance to Al TPA
Darussurur Al Masykuriyyah
Pemberian bantuan musibah bencana banjir Sungai Cisadane Tangerang 10,000,000

Providing flood disaster relief Cisadane River, Tangerang
Pemberian Bantuan Pendidikan Keluarga Eks Jakarta 12,870,000

Karyawan
Providing Education Assistance for Family of Ex-
Employees
Pemberian santunan dalam rangka bulan suci • Panti Asuhan Al Muhajirin Pondok Cabe 21,100,000
Ramadhan dan Hari Raya Idul Fitri kepada panti Tangerang Selatan; dan
asuhan anak yatim piatu dan kepada anak • Panti Asuhan Chairul Amal Cikasungka Solear
almarhum karyawan Tangerang
Provision of benefits in the context of Ramadan • Al Muhajirin Orphanage Pondok Cabe, South
holy month and Eid al-Fitr festive to the Tangerang; and
orphanages and to the children of deceased • Chairul Amal Orphanage Cikasungka, Solear,
employees Tangerang
Pemberian bantuan dalam rangka HUT Victoria 2019 • Yayasan Panti Tuna Netra Elsafan Jakarta; 37,500,000
Providing assistance in the context of Victoria • Panti Werdha Wisma Mulia Jakarta;
Anniversary in 2019 • Yayasan Kasih Anak Kanker Indonesia Jakarta;
• Yayasan Yabunaya Jakarta; dan
• Sekolah Luar Biasa Insan Mandiri Depok.
• Elsafan Foundation for the Blind, Jakarta;
• Panti Werdha Wisma Mulia Jakarta;
• Kasih Anak Indonesian Cancer Foundation
Jakarta;
• Yabunaya Foundation Jakarta; and
• Insan Mandiri Special Education School, Depok
Pemberian bantuan kesehatan pada kegiatan Jakarta 8,736,800

donor darah bekerja sama dengan PMI DKI
Jakarta dalam rangka HUT Bank Victoria 2019
Providing health assistance in blood donor
activities in collaboration with PMI DKI Jakarta
in the framework of Bank Victoria’s Anniversary
in 2019
Total 95,206,800
Pemberdayaan Masyarakat Community Empowerment

Terkait pemberdayaan masyarakat, Bank telah melaksanakan Related to community empowerment, the Bank has implemented
program program perbaikan sarana dan prasarana pendidikan programs to improve educational facilities and infrastructure,
khususnya Sekolah Luar Biasa. especially Special Education Schools.


Inisiatif kegiatan pengembangan sosial dan kemasyarakatan yang The social and community development activity initiatives carried
dilaksanakan Bank memberikan manfaat sebagai berikut. out by the Bank have brought the following benefits.

a. Mendapatkan kepercayaan dari masyarakat; a. Gaining the community’s trust;
b. Memperoleh perspektif positif dari masyarakat; b. Gaining positive perspective from the community;
c. Meningkatkan reputasi Bank; dan c. Improving the Bank’s reputation; and
d. Mempererat hubungan dengan masyarakat dan d. Strengthening relationships with the community and
pemangku kepentingan lainnya; other stakeholders;
2. Bagi Masyarakat 2. For the Community

a. Meningkatnya taraf hidup; a. Increased standard of living;
b. Meningkatnya kesejahteraan; b. Increased welfare;
c. Mempunyai keterampilan dalam pengelolaan keuangan; dan c. Having skills in financial management; and
d. Mendapatkan fasilitas umum yang terjamin d. Getting public facilities that are guaranteed for
pemeliharaannya. maintenance.
Mekanisme Pelibatan Pemangku Mechanisms for Stakeholder Engagement

Kepentingan dan Pengaduan Masalah and Complaints of Issues
Mekanisme Pelibatan Pemangku Kepentingan Mechanism of Stakeholders Engagement
Bank Victoria mempunyai mekanisme bagi pemangku kepentingan Bank Victoria has a mechanism related to its stakeholders’
terkait keterlibatannya pada kegiatan pengembangan masyarakat, engagement in community development activities, as explained
sebagaimana dijelaskan berikut. below.
1. Pemegang Saham melakukan penilaian efektivitas 1. Shareholders evaluate the effectiveness of the
pelaksanaan program pengembangan sosial dan implementation of social and community development
kemasyarakatan; programs;
2. Pemerintah memberikan izin terhadap kegiatan 2. The Government grants permission towards social and
pengembangan sosial dan kemasyarakatan serta memastikan community development activities and ensures that the
kegiatan tersebut sesuai dengan peraturan perundang- activities are in compliance with the applicable laws and
undangan yang berlaku; regulations;
3. Mitra usaha ikut serta dalam kegiatan pengembangan sosial 3. Business partners participate in social and community
dan kemasyarakatan; development activities;
4. Media ikut menyebarkan berita terkait kegiatan 4. The media help spreading the news related to social and
pengembangan sosial dan kemasyarakatan; community development activities;
5. Karyawan melakukan survei untuk berinteraksi dan 5. Employees conduct surveys to interact with the community
mengetahui kebutuhan masyarakat; serta and identify their needs; and
6. Masyarakat menyampaikan hal-hal yang dibutuhkan 6. Communities express things they need and expect from the
dan diharapkan dari kegiatan pengembangan sosial dan social and community development activities.
kemasyarakatan.
Pengaduan Keluhan Complaints

Bank telah menyediakan sarana pengaduan masalah terkait The Bank has provided channels to file complaints related to
pengembangan sosial dan kemasyarakatan melalui Kantor social and community development problems through Branch
Cabang, Contact Center, dan Media Elektronik. Offices, Contact Center, and Electronic Media.

CSR Terkait Nasabah

// CSR Related to Customers
Komitmen dan Kebijakan CSR Terkait CSR Commitment and Policies Related to
Nasabah Customers
Bank Victoria senantiasa menjaga reputasi dengan mengukuhkan Bank Victoria consistently maintains its reputation by bolstering
komitmen untuk kesempurnaan layanan dan kepuasan nasabah. its commitment to service excellence and customer satisfaction.
Komitmen tersebut diwujudkan melalui program CSR terkait This commitment is manifested through CSR programs related
nasabah yang dilaksanakan sesuai Surat Keputusan Direksi No. 041/ to customers as per Board of Directors’ Decision Letter No. 041/
SK-DIR/07/14 tentang Kebijakan dan Prosedur Kualitas Pelayanan SK-DIR/07/14 on Policy and Procedure for Customer Service
Nasabah (Customer Experience). Kebijakan tersebut mengatur Quality (Customer Experience). The policy among others regulates
tentang Standar Pelayanan Nasabah, Evaluasi Penilaian Pelaksanaan Customer Service Standards, Evaluation of Customer Service
Standar Pelayanan Nasabah, serta sistem Reward and Punishment. Standards Assessment, as well as Reward and Punishment system.
Perumusan CSR terkait Nasabah CSR Formulation Related to Customers

Bank Victoria telah merumuskan beberapa aspek yang terkait Bank Victoria has identified several customer-related issues in
dengan nasabah pada aktivitas operasional yang dijalankan serta the operational activities and prepared their risk mitigation plans
telah memitigasi risikonya melalui kebijakan dan/atau rencana through corresponding policies and/or plans, as shown below.
terkait, sebagaimana ditunjukkan berikut.

Related issues Risks occurred Mitigation Plans
Produk dan layanan. • Menurunnya jumlah nasabah; Menciptakan produk dan layanan yang kompetitif.
Products and services. • Hilangnya dana simpanan nasabah; Creating competitive products and services.
• Bocornya informasi pribadi nasabah;
Keamanan simpanan nasabah. • Menurunnya kepuasan dan kepercayaan nasabah; • Meningkatkan kualitas dan kapasitas sistem
Customer deposits safety. • Terhambatnya pertumbuhan usaha Bank. teknologi perbankan;
• Ikut serta dalam Lembaga Penjamin Simpanan.
• Decrease in number of customers;
• Loss of customers’ savings funds; • Upgrade the quality and capacity of the
• Leakage of customers’ personal information; banking technology system;
• Decrease in customer satisfaction and trust; • Participate in the Deposit Insurance Agency.
• Stunted business growth of the Bank.
Keamanan data nasabah. Meningkatkan kualitas dan kapasitas sistem
Security of customer data teknologi informasi perbankan.
Improve the quality and capacity of the banking
information technology system.
Kepuasan nasabah. Memastikan terpenuhinya service level agreement

Customer satisfaction. (SLA) yang ditetapkan.
Ensure that the service level agreement (SLA) is met.

Pelaksanaan inisiatif CSR terkait nasabah yang dilakukan Bank The implementation of CSR initiatives related to customers held
Victoria di tahun 2019 diuraikan sebagai berikut. by Bank Victoria in 2019 was as follows.
1. Program Peningkatan Kualitas Layanan 1. Services Quality Improvement Program

Guna meningkatkan kepercayaan nasabah, Bank meningkatkan To increase customers’ trust, the Bank has improved its
kualitas pelayanan dengan melakukan program sebagai berikut. service quality through the following programs.
a. Menyusun standar service excellence bagi seluruh kantor a. Developed service excellence standards that meet
cabang Bank, sesuai dengan tuntutan dan harapan nasabah; customer demands and expectations for all of the Bank’s
branch offices;
b. Melaksanakan dan memantau kegiatan service excellence b. Consistently ran and monitored service excellence
secara konsisten di kantor cabang; activities at branch offices;

c. Menetapkan standar zero defect dalam operasional c. Established the zero-defect standard in banking
transaksi perbankan; transaction operations;
d. Melakukan pelatihan dan pengembangan service excellence d. Conducted employee training and development of
bagi pegawai frontliner di seluruh kantor cabang Bank; service excellence for all frontline staffs of the Bank’
branch offices;
e. Menggunakan kartu ATM berbasis chip card untuk e. Utilized chip-based ATM cards to enhance customer
mendukung peningkatan keamanan nasabah; dan security; and
f. Mengembangkan sistem kliring nasional (SKN) dan real time f. Developed the national clearing system (SKN) and real
gross settlement (RTGS) Generasi II untuk fitur bulk payment time gross settlement (RTGS) Generation II to support
(kliring one to many transfer), menyediakan internet banking bulk payment feature (one-to-many transfer clearing),
dan mobile banking untuk kenyamanan bertransaksi bagi provided internet banking and mobile banking services
nasabah, serta memperbaiki tampilan website Bank menjadi for transaction convenience, and improved the Bank’s
lebih interaktif agar lebih mudah dipahami oleh pengguna. website to be more interactive and user friendly.
2. Keamanan Simpanan Nasabah 2. Security of Customer Deposits

Berdasarkan Undang-Undang No. 24 Tahun 2004 tentang Based on Law No. 24 of 2004 on Deposit Insurance Agency,
Lembaga Penjamin Simpanan, Bank memberikan jaminan the Bank guarantees the security of the money deposited by
perlindungan atas uang yang disimpan oleh nasabah melalui a customer by virtue of the Deposit Insurance Agency. This
Lembaga Penjamin Simpanan. Program perlindungan protection program is aimed at increasing customers’ trust
ini ditujukan untuk meningkatkan rasa percaya nasabah to banking services, including Bank Victoria. This is due
terhadap jasa perbankan, termasuk kepada Bank Victoria. to customer trust requires legal certainty in terms of the
Hal ini disebabkan kepercayaan nasabah memerlukan adanya Bank’s regulation and supervision as well as guarantee for the
kepastian hukum dalam pengaturan dan pengawasan Bank, security of the Bank’s customer deposits.
serta penjaminan simpanan nasabah Bank.
3. Kerahasiaan Data Nasabah 3. Customer Data Confidentiality

Keamanan dan kerahasiaan data nasabah merupakan The security and confidentiality of customer data is a
komitmen yang senantiasa dijaga oleh Bank sebagai salah commitment that is always maintained by the Bank as one
satu lembaga keuangan. Hal ini berdasar pada peraturan yang of the financial institutions. This is based on the applicable
berlaku, antara lain: regulations, among others:
a. Undang-Undang No. 7 Tahun 1992 tentang Perbankan, serta a. Law No. 7 of 1992 on Banking, and its amendments in Law
perubahannya dalam Undang-Undang No. 10 Tahun 1998; No. 10 of 1998;
b. Peraturan Bank Indonesia No. 2/19/PBI/2000 tentang b. Bank Indonesia Regulation No. 2/19/PBI/2000 on
Persyaratan dan Tata Cara Pemberian Perintah atau Izin Requirements and Procedures for Giving Instructions or
Tertulis Membuka Rahasia Bank; dan Written Permits to Release Bank Secrets; and
c. Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 c. Financial Services Authority Regulation No. 1/
tentang Perlindungan Konsumen Sektor Jasa, serta POJK.07/2013 on Consumer Protection of Services
peraturan turunannya. Sector, as well as its derivative regulations.
Berdasarkan peraturan tersebut, Bank wajib merahasiakan Based on those regulations, the Bank must uphold the
keterangan mengenai nasabah penyimpan dan simpanannya, confidentiality of information regarding depositing customers
kecuali dalam hal-hal berikut. and their deposits, except under the following circumstances.
a. Untuk kepentingan perpajakan, Pimpinan Bank Indonesia a. For taxation purposes, the Management of Bank
atas permintaan Menteri Keuangan berwenang Indonesia, at the request of the Minister of Finance, is
mengeluarkan perintah tertulis kepada Bank agar authorized to issue written orders requiring the Bank
memberikan keterangan dan memperlihatkan bukti- to supply information and present to tax officers the
bukti tertulis serta surat-surat mengenai keadaan documentary evidence and letters regarding financial
keuangan nasabah penyimpan tertentu kepada pejabat condition of certain depositing customers (Law on
pajak (Undang-Undang Perbankan pasal 41 ayat 1); Banking Article 41 paragraph 1)
b. Untuk penyelesaian piutang Bank yang sudah diserahkan b. For settlement of Bank’s receivables that are already
kepada Badan Urusan Piutang dan Lelang Negara/ submitted to the Agency for State Claims and Auctions/
Panitia Urusan Piutang Negara, Pimpinan Bank Indonesia State Claims Committee, the Management of Bank
memberikan izin kepada pejabat Badan Urusan Piutang Indonesia shall authorize the officials of this Agency and
dan Lelang Negara/Panitia Urusan Piutang Negara untuk Committee to seek information from the Bank regarding
memperoleh keterangan mengenai simpanan nasabah the deposits of Debtor Customers (Banking Law, Article
debitur (Undang-Undang Perbankan pasal 41A ayat 1); 41A, paragraph 1);
c. Untuk kepentingan peradilan dalam perkara pidana, c. For court proceedings purpose in criminal cases, the
Pimpinan Bank Indonesia dapat memberikan izin kepada Management of Bank Indonesia may grant permission to
Polisi, Jaksa, atau Hakim untuk memperoleh keterangan the police, prosecutors, or judges to seek information from

dari Bank mengenai simpanan tersangka atau terdakwa the Bank regarding the deposits of suspects or defendants
pada Bank (Undang-Undang Perbankan pasal 42A ayat 1); at the Bank (Banking Law, Article 42A, paragraph 1);
d. Dalam perkara perdata antara Bank dengan nasabahnya, d. In a civil case between the Bank and its customer, the
Direksi Bank yang bersangkutan dapat menginformasikan Board of Directors of the concerned Bank may inform
kepada pengadilan tentang keadaan keuangan nasabah the court of the financial condition of the customer
yang bersangkutan dan memberikan keterangan lain concerned, and provide other information relevant to the
yang relevan dengan perkara tersebut (Undang-Undang case (Banking Law, Article 43);
Perbankan pasal 43);
e. Dalam rangka tukar-menukar informasi antar-Bank, e. In respect of information exchange between banks, the
Direksi Bank dapat memberitahukan keadaan keuangan Bank’s Board of Directors may inform another bank of the
nasabahnya kepada bank lain (Undang-Undang financial condition of its customers (Banking Law, Article
Perbankan pasal 44); 44);
f. Atas permintaan, persetujuan atau kuasa dari nasabah f. Upon request, approval, or authorization in writing of a
penyimpan yang dibuat secara tertulis, Bank wajib depositing customer, the Bank must provide information
memberikan keterangan mengenai simpanan nasabah regarding the deposits of the depositing customer to the
penyimpan pada pihak yang ditunjuk oleh nasabah party appointed by said depositing customer. (Banking
penyimpan tersebut (Undang-Undang Perbankan pasal Law, Article 44A, paragraph 1); and
44A ayat 1); dan
g. Dalam hal nasabah penyimpan telah meninggal dunia, g. In the event that a depositing customer has passed
ahli waris yang sah dari nasabah penyimpan yang away, the legitimate heir of the said customer is entitled
bersangkutan berhak memperoleh keterangan mengenai to obtain information regarding the deceased person’s
simpanan nasabah penyimpan tersebut (Undang-Undang deposits (Banking Law, Article 44A, paragraph 2).
Perbankan pasal 44A ayat 2).
4. Program Engagement Nasabah 4. Customer Engagement Program

Peningkatan layanan kepada nasabah juga dilakukan melalui Improvement of services to customers is also carried out
program engagement nasabah, antara lain: through customer engagement programs, among others:
a. Program tabungan nasabah berhadiah langsung; a. Customer savings program with direct prizes;
b. Program pemberian hadiah kue bagi nasabah yang b. Birthday cake-giving program for customers on their
sedang berulang tahun (loyalty program); dan birthdays (loyalty program); and
c. Program customer gathering bersama dengan Direksi. c. Customer gathering program with the Board of Directors.

Dampak kegiatan yang diperoleh dari pelaksanaan CSR terkait The impact of activities resulting from the implementation of CSR
nasabah, yaitu: related to customers are:

Meningkatkan kepercayaan dan jumlah nasabah. Increased customer trust and number of customers
2. Bagi Pemangku Kepentingan 2. For Stakeholders

Meningkatnya kepuasan dan kenyamanan bertransaksi di Increased customer satisfaction and convenience of
Bank Victoria. transactions at Bank Victoria.
Mekanisme Pelibatan Pemangku Mechanisms for Stakeholder Engagement

Kepentingan dan Pengaduan Masalah and Complaints of Issues
Mekanisme Pelibatan Pemangku Kepentingan Mechanism of Stakeholders Engagement
Mekanisme pelibatan pemangku kepentingan terhadap CSR The stakeholder engagement mechanism for CSR related to
terkait produk dan nasabah sebagai berikut. products and customers is as follows.
1. Pemegang Saham menilai efektivitas pelayanan terhadap 1. Shareholders evaluate the effectiveness of the Bank’s
nasabah serta produk yang dikeluarkan oleh Bank. customer services and products.
2. Pemerintah menerima laporan pengaduan masalah, 2. Government receives complaint reports, makes sure that
memastikan produk dan pelayanan nasabah sesuai dengan products and customer services comply with applicable
aturan yang berlaku. rules.
3. Karyawan menyosialisasikan portofolio produk Bank, 3. Employees disseminate the Bank’s product portfolio, carry
melaksanakan survei kepuasan nasabah, menerima dan out customer satisfaction surveys, receive, identify, and
mengidentifikasi, serta memberikan tanggapan terkait respond to customer complaints.
pengaduan nasabah.

4. Nasabah menyampaikan masukan, keluhan, dan permintaan 4. Customers submit feedback, complaints, and information
informasi mengenai produk dan layanan perbankan serta requests regarding banking products and services and
berpartisipasi dalam survei kepuasan pelanggan. participate in customer satisfaction surveys.
Mekanisme Pengaduan Masalah Complaints Mechanism

Bank telah menerapkan kebijakan tentang pengaduan nasabah agar The Bank has implemented a policy regarding customer
nasabah dapat menyuarakan pendapat dan keluhannya mengenai complaints; thus, customers can express their opinions and
pelayanan Bank. Pengaduan dapat dilakukan melalui kantor cabang, complaints regarding the Bank’s services. Complaints can be
contact center, serta media elektronik. Terkait hal ini, Bank telah lodged through branch offices, contact centers, and electronic
mengupayakan berbagai kebijakan, termasuk mengembangkan media. Concerning this matter, the Bank has striven for various
sistem pengaduan nasabah (SPN). SPN merupakan sistem berbasis policies, including development of Customer Complaints System
web yang dapat memudahkan pemantauan terhadap status (SPN). SPN is a web-based system that helps monitor complaints
penyelesaian pengaduan sekaligus memberikan kepastian bagi para settlement status and at the same time provides certainty for
nasabah tentang jangka waktu yang dibutuhkan untuk menyelesaikan customers in terms of settlement time. By using an online and
pengaduan tersebut. Dengan menggunakan sistem online dan terpadu, integrated system, customers can also submit complaints and
para nasabah juga dapat menyampaikan pengaduan dan mengecek check their complaints statuses at the Bank’s branch offices
status pengaduan di kantor cabang Bank di seluruh Indonesia. throughout Indonesia.
Pusat pengaduan yang dapat diakses oleh nasabah adalah: The following complaints centers are accessible to the customers:
a. Call Center yang beroperasi 24 jam melalui panggilan 1500977; a. 24 Hour Call Center 1500977;
b. E-mail customercare@victoriabank.co.id; dan b. E-mail customercare@victoriabank.co.id; and
c. Customer service yang berada di cabang-cabang terdekat c. Customer services located at the nearest branches that will
yang secara berkala akan dilaporkan kepada kantor pusat report complaints data and their settlement statuses to the
terkait data pengaduan dan tingkat penyelesaiannya. head office on a periodic basis.
Mekanisme Penyelesaian Keluhan Nasabah Customer Complaints Settlement Mechanism

Bank menyelesaikan keluhan atau pengaduan nasabah secara The Bank settles customers’ complaints quickly and precisely
cepat dan tepat dengan mekanisme yang diuraikan sebagai berikut. through the mechanism described below:
1. Bank membentuk pengaduan nasabah (customer care) di bawah 1. The Bank organizes its Customer Care under the responsibility
tanggung jawab Direktorat Operasional yang fokus menangani of the Directorate of Operations which focuses on handling
dan menindaklanjuti pengaduan/keluhan nasabah. Pengaduan and following up on customers’ complaints. These complaints
tersebut dapat disampaikan melalui kantor cabang dengan can be delivered through a branch office by filling out the
melakukan pengisian formulir permintaan/pengaduan nasabah request/customer complaints form or through the Call
atau melalui Call Center, e-mail, dan Customer Care Bank. Center, via e-mail, or the Bank’s Customer Care.
2. Terhadap pengaduan yang diterima akan ditindaklanjuti 2. The follow-up process of received complaints consists of the
dengan tahapan: following steps:
a. Bank merespons pengaduan pelanggan dalam jangka a. The Bank responds to customer complaints within 1 x 24
waktu 1 x 24 jam; hours;
b. Bagian Customer Care akan memberikan jawaban bahwa b. The Customer Care Department will respond with a
keluhan telah diterima dan akan segera diproses oleh unit message that the complaint has been received and will
yang bersangkutan; be processed immediately by the relevant unit;
c. Bagian Customer Care menyampaikan pengaduan c. The Customer Care Department submits complaints
keluhan dari nasabah kepada unit terkait; dan from customers to the relevant unit; and
d. Keluhan nasabah diproses dan diselesaikan oleh unit d. The customers’ complaints are processed and settled
terkait. Pada tahap ini, unit terkait dapat langsung by the relevant unit. At this stage, the relevant unit can
berkomunikasi dengan nasabah dalam proses directly communicate with the customers during the
penyelesaian keluhan. settlement process.

Berikut skema penyelesaian keluhan nasabah Bank. The scheme of customer complaints settlement mechanism is as
follows.
Kantor Cabang/Kantor Cabang

Nasabah Pembantu
Call Center
Customers
Branch Offices/Sub-Branch Offices
Mulai
Begin
Permintaan Informasi
Information Inquiry
Pengaduan Permintaan Informasi/

Pengaduan
Complaint
Information Inquiry/ Complaint
Iya/ Yes Tidak/ No

Input Data, Proses Permintaan Input Data, Proses dan Eskalasi ke Kantor Cabang/
Informasi/ Pengaduan Nasabah Capem/Kas terkait
Input Data, Process of Information Input Daya, Process, and Escalation to the relevant
Inquiry/ Customer Complaint Branch Offices/Sub-Branch Offices/Cash Offices
Informasi Penyelesaian Pengaduan Eskalasi Informasi dan

Nasabah Pengaduan Nasabah
Information of Customer Complaint Escalation of Information and
Settlement Customer Complaint
Penjelasan
atas Status
Penyelesaian
Penjelasan ke Nasabah Proses Permintaan Informasi/
Explanation atas Status Penyelesaian Pengaduan Nasabah sesuai SLA
of Settlement Explanation to Customer of Process of Information Inquiry/
Status Settlement Status Customer Complaint According to SLA
Dokumentasi Pengaduan dan Dokumentasi Pengaduan dan

Selesai Penyelesaian Keluhan Nasabah Penyelesaian Keluhan Nasabah
End Documentation of Customer Documentation of Customer
Complaint Report and Settlement Complaint Report and Settlement
Laporan Pengaduan Complaints Report

Bank Victoria secara konsisten menanggapi dan menyelesaikan Bank Victoria consistently responds to and properly settles each
setiap keluhan nasabah dengan baik dan tepat waktu, sesuai customer complaint in a timely manner, in accordance with
standar SLA, sehingga tidak terdapat pelaporan ke Bank the SLA standard, so that there is no report forwarded to Bank
Indonesia. Jumlah pengaduan yang telah diterima dan ditangani Indonesia. The number of complaints received and handled
di sepanjang 2019 ditunjukan sebagai berikut. throughout 2019 is shown as follows.
Selesai Dalam Proses Tidak Selesai

Jenis Transaksi Keuangan Done On Process Not Done Total Pengaduan
Type of Financial Transactions Total Complaints
Total % Total % Total %
ATM 291 87.39 42 12.61 - - 333
IB/MB 619 97.48 16 2.52 - - 635
Total 910 184.87 58 15.31 - - 968

8
Struktur
Permodalan
dan Praktik
Manajemen Risiko
Capital Structure and Risk
Management Practices
Perencanaan modal Bank berdasarkan risiko,

perkiraan, antisipasi ke depan (forward
looking), serta mempertimbangkan faktor
risiko yang timbul dari bisnis Bank, sesuai
dengan skala usaha dan kompleksitas Bank.
The Bank’s capital planing is made based on considerations on
risk, estimation, forward looking anticipation, and risk factors
arising from the Bank’s business according to its complexity and
business volume.


Struktur Permodalan dan Praktik Manajemen Risiko

// Capital Structure and Risk Management Practices
Dasar Penerapan Manajemen Risiko Basis of Risk Management

Implementation
Pelaksanaan aktivitas permodalan dan manajemen risiko Bank The implementation of Bank Victoria’s capital and risk
Victoria dilakukan berdasarkan beberapa ketentuan, yakni: management is based on the following regulations:
1. Penerapan manajemen risiko di Bank, baik secara individual 1. The implementation of risk management in the Bank, either
maupun secara konsolidasi berdasarkan beberapa ketentuan individually or on a consolidated basis, is based on the
berikut. following provisions.
a. Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 a. Financial Services Authority Regulation No. 4/POJK.03/2016
tentang Penilaian Tingkat Kesehatan Bank Umum; on Sound Level Assessment of Commercial Bank;
b. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 b. Financial Services Authority Regulation No. 18/
tentang Penerapan Manajemen Risiko bagi Bank Umum; POJK.03/2016 on Implementation of Risk Management
for Commercial Bank;
c. Peraturan Otoritas Jasa Keuangan No. 55/POJK.03/2016 c. Financial Services Authority Regulation No. 55/
tentang Penerapan Tata Kelola bagi Bank Umum; POJK.03/2016 on Implementation of Governance for
Commercial Bank;
d. Peraturan Otoritas Jasa Keuangan No. 38/POJK.03/2017 d. Financial Services Authority Regulation No. 38/
tentang Penerapan Manajemen Risiko secara Konsolidasi POJK.03/2017 on the Implementation of Consolidated
bagi Bank yang Melakukan Pengendalian terhadap Risk Management for Banks Exercising Control over
Perusahaan Anak; Subsidiary Companies;
e. Surat Edaran Otoritas Jasa Keuangan No. 34/ e. Circular Letter of Financial Services Authority No. 34/
SEOJK.03/2016 tentang Penerapan Manajemen Risiko SEOJK.03/2016 on Implementation of Risk Management
bagi Bank Umum; for Commercial Bank;
f. Surat Edaran Otoritas Jasa Keuangan No. 13/ f. Circular Letter of Financial Services Authority No. 13/
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank SEOJK.03/2017 on Implementation of Governance for
g. Surat Edaran Otoritas Jasa Keuangan No. 14/ g. Circular Letter of Financial Services Authority No.
SEOJK.03/2017 tentang Penilaian Tingkat Kesehatan 14/SEOJK.03/2017 on Sound Level Assessment of
Bank Umum; Commercial Bank;
h. Surat Edaran Otoritas Jasa Keuangan No. 43/ h. Circular Letter of Financial Services Authority No. 43/
SEOJK.03/2017 tentang Prinsip Kehati-hatian dan SEOJK.03/2017 on Prudential Principles and Report
Laporan dalam Rangka Penerapan Manajemen in the Framework of Implementation of Consolidated
Risiko secara Konsolidasi bagi Bank yang melakukan Risk Management for Banks Exercising Control over
Pengendalian terhadap Perusahaan Anak. Subsidiary Companies.
2. Penerapan Manajemen Risiko Terintegrasi berdasarkan: 2. Implementing the Integrated Risk Management is based on:
a. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 a. Financial Services Authority Regulation No. 17/
tentang Penerapan Manajemen Risiko Terintegrasi bagi POJK.03/2014 on Implementation of Integrated Risk
Konglomerasi Keuangan; Management for Financial Conglomeration;
b. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 b. Financial Services Authority Regulation No. 18/
tentang Penerapan Tata Kelola Terintegrasi bagi POJK.03/2014 on Implementation of Integrated
Konglomerasi Keuangan; Governance for Financial Conglomeration;
c. Surat Edaran Otoritas Jasa Keuangan No. 14/ c. Circular Letter of Financial Services Authority No. 14/
SEOJK.03/2015 tentang Penerapan Manajemen Risiko SEOJK.03/2015 on Implementation of Integrated Risk
Terintegrasi Bagi Konglomerasi Keuangan; Management for Financial Conglomeration;
d. Surat Edaran Otoritas Jasa Keuangan No. 15/ d. Circular Letter of Financial Services Authority
SEOJK.03/2015 tentang Penerapan Tata Kelola No. 15/SEOJK.03/2015 on Implementation of Integrated
Terintegrasi bagi Konglomerasi Keuangan. Governance for Financial Conglomeration.

Pengungkapan Permodalan Disclosure of Capital

Bank merupakan lembaga intermediasi keuangan, salah satu Bank is a financial intermediary institution, in which one of the
faktor penilaian tingkat kesehatan Bank adalah permodalan. factors of the Bank’s soundness rating is capital. Capital is the
Modal merupakan sumber dukungan keuangan dalam pelaksanaan source of financial support in conducting the Bank’s operational
aktivitas operasional Bank dan dasar untuk menyerap kerugian activities and the basis for absorbing unexpected losses that are
tidak terduga yang disesuaikan dengan persyaratan penyediaan adjusted to the minimum capital requirement according to the
modal minimum sesuai profil risiko. risk profile.
Bank senantiasa melakukan pemantauan tingkat kesehatan The Bank always monitors the soundness level, adequacy, and
dan kecukupan serta pengelolaan permodalan menggunakan management of capital by using a risk-based approach without
pendekatan berbasis risiko tanpa mengabaikan prinsip kehati- ignoring the prudential principle. This is aimed at achieving a
hatian. Hal ini untuk mewujudkan stabilitas sistem keuangan yang financial system stability that grows sustainably and in balance,
tumbuh secara berkelanjutan dan seimbang, sehingga mampu therefore, able to increase the Bank’s competitiveness at national
meningkatkan daya saing Bank di tingkat nasional. level.
Kebijakan Pengelolaan Permodalan Capital Management Policy

Tujuan penerapan kebijakan pengelolaan permodalan The objective to implement capital management policy is to
adalah memastikan bahwa Bank memiliki modal yang kuat ensure that the Bank has a strong capital in order to support the
guna mendukung strategi pengembangan usaha Bank dan Bank’s business development strategy and to maintain its future
mempertahankan kelangsungan pengembangan di masa development sustainability. This implementation is also to meet
mendatang. Penerapan ini juga dilakukan untuk memenuhi the capital adequacy requirements set by the regulator and to
ketentuan kecukupan permodalan yang ditetapkan oleh regulator, ensure that the Bank’s capital structure is adequate.
serta memastikan agar struktur permodalan Bank memadai.
Penetapan strategi dan kebijakan pengelolaan permodalan Bank Victoria’s capital management strategy and policy
Bank Victoria disusun untuk memastikan kecukupan modal are established to ensure the capital adequacy required by
yang dipersyaratkan oleh regulator, dan kemampuan Bank regulators, and the Bank’s ability in developing sustainable
dalam mengembangkan usaha berkelanjutan dengan business by considering the current economic condition. The
mempertimbangkan kondisi perekonomian terkini. Kebijakan capital policy which is part of the Bank’s Business Plan is regularly
permodalan yang merupakan bagian dari Rencana Bisnis Bank discussed with the Board of Directors and approved by the Board
didiskusikan secara berkala bersama Direksi dan disetujui oleh of Commissioners.
Dewan Komisaris.
Beberapa hal pokok yang menjadi pertimbangan dalam The following are several main points that become consideration
perencanaan permodalan Bank Victoria sebagai berikut. in Bank Victoria’s capital planning.
1. Perencanaan modal dilihat berdasarkan risiko, 1. Capital planing is made based on considerations on risk,
perkiraan, antisipasi ke depan (forward looking), serta estimation, forward looking anticipation, and risk factors
mempertimbangkan faktor risiko yang timbul dari bisnis arising from the Bank’s business according to its complexity
Bank, sesuai dengan skala usaha dan kompleksitas Bank. and business volume. Through this process, the Bank projects
Melalui proses ini, Bank melakukan proyeksi posisi modal di its capital positions in the coming year and drafts the capital
tahun yang akan datang dan menyusun strategi modal dengan strategy appropriately.
tepat.
2. Perencanaan modal harus mempertimbangkan strategi dan 2. Capital planning must consider the strategy and economic
lingkungan ekonomi yang dihadapi oleh Bank. Dalam proses environment faced by the Bank. In the annual business
perencanaan bisnis tahunan, semua unit bisnis perlu untuk planning process, all Business Units are required to define a
menentukan rencana bisnis dengan mempertimbangkan business plan by considering macroeconomic factors, such
faktor-faktor ekonomi makro, seperti suku bunga dan as interest rates and the Bank’s strategy.
strategi Bank.

Struktur Permodalan Capital Structure

POJK.03/2016 tentang Perubahan atas Peraturan Otoritas Jasa POJK.03/2016 on Amendment to Financial Services Authority
Keuangan No. 11/POJK.03/2016 tentang Kewajiban Penyediaan Modal Regulation No. 11/POJK.03/2016 on Capital Adequacy Ratio of
Minimum Bank Umum, struktur modal Bank Victoria terdiri dari: Commercial Banks, the Bank Victoria’s capital structure consists of:
1. Modal Inti (Tier 1), yang meliputi: 1. Tier 1, which includes:
a. Modal Inti Utama (Common Equity Tier 1); a. Common Equity Tier 1;
b. Modal Inti Tambahan (Additional Tier 1); dan b. Additional Tier 1; and
2. Modal Pelengkap (Tier 2). 2. Tier 2.
Tabel Pengungkapan Kuantitatif Struktur Permodalan Bank Victoria Lihat Lampiran halaman
642
Table of Quantitative Disclosure of Bank Victoria Capital Structure See attachment page
Total modal Bank pada Desember 2019 sebesar Rp3,31 triliun, yang The Bank’s total capital in December 2019 was Rp3.31 trillion,
didominasi oleh Modal Inti Utama Bank sebesar Rp2,31 triliun. which was dominated by the Bank’s Common Equity Tier 1 Capital
miliar. Apabila dibandingkan dengan total modal pada Desember amounting to Rp2.31 trillion. When compared to the total capital
2018 yang sebesar Rp3,02 triliun, maka terjadi peningkatan in December 2018, which amounted to Rp3.02 trillion, there
sebesar Rp292,76 miliar atau 9,71%. Peningkatan total modal was an increase of Rp292.76 billion or 9.71%. The increase in
tersebut terjadi pada komponen modal pelengkap (Tier 2) sebesar total capital occurred in Tier 2 capital component of Rp300.36
Rp300,36 miliar atau 42,98% terutama disebabkan adanya billion or 42.98%, which was mainly due to the increase in
peningkatan instrumen modal dalam bentuk saham atau lainnya capital instrument in the form of shares or other that met the
yang memenuhi persyaratan. Sedangkan, komponen Modal Inti requirements. Meanwhile, Tier 1 capital component in 2019
(Tier 1) pada tahun 2019 mengalami penurunan sebesar Rp7,60 decreased by Rp7.60 billion or 0.33% to Rp2.31 trillion compared
miliar atau 0,33% menjadi sebesar Rp2,31 triliun jika dibandingkan to that of previous year.
dengan tahun sebelumnya.
Secara konsolidasi, Bank Victoria dan Entitas Anak memiliki On a consolidated manner, Bank Victoria and its Subsidiaries had a
total modal sebesar Rp3,63 triliun atau tumbuh sebesar 10,66% total capital of Rp3.63 trillion or grew by 10.66% from that of 2018,
dari tahun 2018 sebesar Rp3,28 triliun. Peningkatan tersebut which was Rp3.28 trillion. The increase occurred in Tier 2 capital
terjadi pada komponen modal pelengkap (Tier 2) sebesar Rp296 component of Rp296 billion, especially in capital instruments
miliar terutama pada instrumen modal dalam bentuk saham in the form of shares or other that met the requirements, and
atau lainnya yang memenuhi persyaratan, dan juga terjadi pada also occurred in Tier 1 capital component with an increase of
komponen modal inti (Tier 1) dengan kenaikan sebesar Rp54 miliar Rp54 billion or 2.09% to Rp2.63 trillion, which was mainly due to
atau 2,09% menjadi sebesar Rp2,63 triliun yang lebih disebabkan revenue from last year’s income of Rp84 billion.
oleh penerimaan laba tahun tahun lalu sebesar Rp84 miliar.
Dengan struktur permodalan tersebut, rasio KPMM pada bulan With such capital structure, CAR ratio in December 2019
Desember 2019 secara individual dan secara konsolidasi masing- individually and on a consolidated basis became 17.29%
masing menjadi 17,29% dan 17,74% dibandingkan 16,73% dan and 17.74%, respectively, compared to 16.73% and 16.75%,
16,75% di bulan Desember 2018. respectively, in December 2018.
Kecukupan Permodalan Capital Adequacy

Bank Victoria terus melakukan pengelolaan dan pemantauan Bank Victoria continues to manage and monitor the Bank’s capital
kecukupan modal Bank agar senantiasa berada di atas ketentuan adequacy in order to always be above the regulatory provisions
regulator dan pendekatan praktik terbaik penerapan manajemen and best practice approaches for implementing risk management
risiko di perbankan internasional, yaitu Basel II dan Basel III. in international banking, which are Basel II and Basel III.
Basel II merupakan penyempurnaan dari Basel I. Penyempurnaan Basel II is an improvement of Basel I. The improvement provides
tersebut memberikan kerangka perhitungan modal yang bersifat a capital calculation framework that is more sensitive to risk and
lebih sensitif terhadap risiko dan mencerminkan perubahan pada reflects changes in the Bank’s risk profile.
risk profile Bank.
Adapun penerapan Basel II di Bank Victoria diuraikan sebagai Implementation of Basel II in Bank Victoria is described as follows.
berikut.

1. Pilar 1 (Minimum Capital Requirements) 1. Pillar 1 (Minimum Capital Requirements)

Berdasarkan ketentuan regulasi, Bank Victoria memastikan Based on the provisions of the regulations, the Bank Victoria
dan mengantisipasi kecukupan modal untuk risiko kredit, ensures and anticipates the capital adequacy for credit risks,
risiko pasar, dan risiko operasional. Secara umum, metode market risks, and operational risks. In general, the methods
yang digunakan untuk menilai kecukupan dan kebutuhan used to assess the capital adequacy and requirements to
modal untuk menyerap potensi kerugian, diantaranya: absorb potential losses are among others:
a. Perhitungan Aset Tertimbang Menurut Risiko (ATMR) a. Risk Weighted Assets (RWA) Calculation for Credit Risk
risiko kredit
Dalam menghitung kecukupan modal yang timbul dari In calculating the capital adequacy arising from credit
risiko kredit, Bank Victoria menggunakan metode risk, Bank Victoria uses the standardized approach
pendekatan standar sesuai dengan Peraturan Otoritas method in accordance with the Financial Services
Jasa Keuangan No. 34/POJK.03/2016 tentang Authority Regulation No. 34/POJK.03/2016 on
Perubahan atas Peraturan Otoritas Jasa Keuangan No. Amendment to Financial Services Authority Regulation
11/POJK.03/2016 tentang Kewajiban Penyediaan Modal No. 11/POJK.03/2016 on Capital Adequacy Ratio for
Minimum Bank Umum dan Surat Edaran Otoritas Jasa Commercial Banks, and Financial Services Authority
Keuangan No. 11/SEOJK.03/2019 tanggal 15 Agustus Circular No. 11/SEOJK.03/2019 dated 15 August 2018 on
2018 tentang Perubahan atas Surat Edaran Otoritas Jasa Amendment to Financial Services Authority Circular
Keuangan No. 42/SEOJK.03/2016 tenatang Pedoman No. 42/SEOJK.03/2016 on Guidelines on Calculation
Perhitungan Aset Tertimbang Menurut Risiko untuk of Risk Weighted Assets (RWA) for Credit Risk by using
Risiko Kredit dengan Menggunakan Pendekatan Standar. Standardized Approach.
b. Perhitungan ATMR risiko pasar b. Calculating the risk-weighted assets (RWA) of market risk
Bank Victoria menggunakan metode standar dalam Bank Victoria uses standard method in calculating market
menghitung risiko pasar, sesuai dengan Peraturan risk, the Bank Victoria uses the Standard Approach method
Otoritas Jasa Keuangan No. 34/POJK.03/2016 tanggal in accordance with the Financial Services Authority
26 September 2016 tentang Perubahan Atas Peraturan Regulation No. 34/POJK.03/2016 dated 26 September 2016
Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang on Amendment to Financial Services Authority Regulation
Kewajiban Penyediaan Modal Minimum Bank Umum No. 11/POJK.03/2016 on Minimum Capital Requirement
dan Surat Edaran Otoritas Jasa Keuangan No. 38/ for Commercial Bank, and Circular Letter of Financial
SEOJK.03/2016 tanggal 8 September 2016 tentang Services Authority Regulation No. 38/SEOJK.03/2016
Pedoman Penggunaan Metode Standar dalam dated 8 September 2016 on Guidelines to Use Standardized
Perhitungan Kewajiban Penyediaan Modal Minimum Bank Method in Calculating the Minimum Capital Requirement for
Umum Dengan Memperhitungkan Risiko Pasar. Commercial Bank by Calculating Market Risk.
c. Perhitungan ATMR risiko operasional c. Calculating the risk-weighted assets (RWA) of operational
risk
Bank Victoria menggunakan metode basic indicator The Bank Victoria uses basic indicator approach
approach dalam menghitung risiko operasional sesuai method in calculating operational risk in accordance
dengan Peraturan Otoritas Jasa Keuangan No. 34/ with Financial Services Authority Regulation No. 34/
POJK.03/2016 tanggal 26 September 2016 tentang POJK.03/2016 dated 26 September 2016 on Amendment
Perubahan Atas Peraturan Otoritas Jasa Keuangan to Financial Services Authority Regulation No. 11/
No. 11/POJK.03/2016 tentang Kewajiban Penyediaan POJK.03/2016 on Minimum Capital Requirement for
Modal Minimum Bank Umum dan Surat Edaran Otoritas Commercial Bank, and Circular Letter of Financial
Jasa Keuangan No. 24/SEOJK.03/2016 tanggal 14 Juli Services Authority Regulation No. 24/SEOJK.03/2016 dated
2016 tentang Perhitungan Aset Tertimbang menurut 14 July 2016 on Calculation of Risk Weighted Assets (RWA)
Risiko Untuk Risiko Operasional dengan Menggunakan for Operational Risk by using Basic Indicator Approach.
Pendekatan Indikator Dasar.
2. Pilar 2 (Supervisory Review Process) 2. Pillar 2 (Supervisory Review Process)

Bank Victoria telah menerapkan Internal Capital Adequacy The Bank Victoria has implemented the Internal Capital
Assessment Process (ICAAP), yaitu proses untuk menetapkan Adequacy Assessment Process (ICAAP), which is a process to
kecukupan modal yang sesuai dengan profil risiko Bank, determine the capital adequacy according to the Bank’s risk
dan menetapkan strategi untuk memelihara tingkat profile and to determine a strategy to maintain capital rate
permodalan sesuai Surat Edaran Otoritas Jasa Keuangan based on Financial Services Authority Circular Letter No. 26/
No. 26/SEOJK.03/2016 tentang Kewajiban Penyediaan SEOJK.03/2016 on Minimum Capital Requirement According
Modal Minimum Sesuai Profil Risiko dan Pemenuhan Capital to the Risk Profile and Fulfillment of Capital Equivalency
Equivalency Maintained Assets. Maintained Assets.

3. Pilar 3 (Market Discipline) 3. Pillar 3 (Market Discipline)

Bank Victoria menerapkan disiplin pasar melalui transparansi The Bank Victoria applies market discipline through
dan pengungkapan atas informasi keuangan Bank. transparency and disclosure of the Bank’s financial information.
Berkaitan dengan implementasi Basel III, regulator telah In relation to the implementation of Basel III, the regulator has
mengeluarkan ketentuan mengenai kewajiban penyediaan issued a provision on the Minimum Capital Requirement for
modal minimum bank umum, dimana Bank wajib membentuk Commercial Banks, in which the Bank is required to establish
tambahan modal sebagai penyangga (buffer) yang merupakan additional capital as a buffer which is an implementation of
implementasi dari Basel III. Tambahan modal tersebut Basel III. The additional capital can be in the form of:
berupa:
a. Capital conservation buffer, merupakan penyangga untuk a. Capital Conservation Buffer, which serves as a buffer to
mengantisipasi terjadinya kerugian pada periode krisis. anticipate a loss in crisis period.
b. Countercyclical buffer, merupakan penyangga untuk b. Countercyclical Buffer, which serves as a buffer to anticipate
mengantisipasi terjadinya kerugian apabila pertumbuhan losses in the event of excessive banking credit growth that
kredit perbankan berlebihan yang berpotensi potentially interferes with the financial system stability.
mengganggu stabilitas sistem keuangan.
c. Capital surcharge untuk domestic systemically important c. Capital Surcharge for Domestic Systemically Important
bank (D-SIB), merupakan penyangga untuk mengurangi Banks (D-SIB), which serves as a buffer to reduce negative
dampak negatif terhadap stabilitas sistem keuangan impacts on the financial system stability and economy in the
dan perekonomian apabila terjadi kegagalan Bank yang event of Bank failure that has systemic impact, through the
berdampak sistemik, melalui peningkatan kemampuan improvement of the Bank’s ability to absorb losses.
Bank dalam menyerap kerugian.
Bank Victoria telah menerapkan perhitungan kewajiban membentuk Bank Victoria has applied the calculation of the requirement
tambahan modal sebagai penyangga (buffer) dalam Kewajiban to form additional capital as a buffer in the Capital Adequacy
Penyediaan Modal Minimum (KPMM) sesuai dengan ketentuan Ratio (CAR) in accordance with the regulatory provisions. As a
regulator. Sebagai bank BUKU 2, Bank Victoria tidak diwajibkan bank of BUKU 2, Bank Victoria is not required to provide Capital
untuk menyediakan capital conservation buffer karena ketentuan Conservation Buffer because the capital requirement applies to
penyediaan modal tersebut berlaku untuk bank BUKU 3 dan BUKU banks of BUKU 3 and BUKU 4. However, Bank Victoria has applied
4. Namun, Bank Victoria telah menerapkan tambahan modal untuk the additional capital for Countercyclical Buffer in accordance
countercyclical buffer sesuai dengan ketentuan regulator. with the regulatory provisions.
Bank Sistemik sebagaimana dimaksud dalam Undang-Undang Systemic Bank as referred to in Law No. 9 of 2016 on Prevention
No. 9 Tahun 2016 tentang Pencegahan dan Penanganan Krisis and Handling of Financial System Crisis is a Bank whose size
Sistem Keuangan adalah Bank yang ukuran aset, modal, dan of assets, capital, and liabilities; network area, or transaction
kewajiban; luas jaringan atau kompleksitas transaksi atas jasa complexity of banking services; as well as linkages with other
perbankan; serta keterkaitan dengan sektor keuangan lain dapat financial sectors can result in failure of part or all of the other Bank
mengakibatkan gagalnya sebagian atau keseluruhan Bank lain or financial service sector, both operationally and financially, if
atau sektor jasa keuangan, baik secara operasional maupun the Bank experiences a disruption or failure.
finansial, jika Bank tersebut mengalami gangguan atau gagal.
POJK.03/2016 tanggal 26 September 2016 tentang Perubahan POJK.03/2016 dated 26 September 2016, on Amendment to
atas Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 Financial Services Authority Regulation No. 11/POJK.03/2016
tentang Kewajiban Penyediaan Modal Minimum Bank Umum, bank on Capital Adequacy Ratio for Commercial Banks, a bank that
yang ditetapkan Otoritas Jasa Keuangan sebagai Bank Sistemik is designated by the Financial Services Authority as a Systemic
wajib membentuk capital surcharge untuk Bank Sistemik. Bank must establish a capital surcharge for Systemic Banks. Bank
Bank Victoria bukan bagian dari Bank Sistemik, sehingga tidak Victoria is not part of a Systemic Bank, thus, there is no obligation
ada kewajiban membentuk capital surcharge untuk domestic to form a capital surcharge for domestic systemically important
systemically important bank (D-SIB). banks (D-SIB).
Profil risiko Bank sesuai dengan self assessment pada bulan The Bank’s risk profile in accordance with the self-assessment
Desember 2019 mempunyai peringkat komposit Low to Moderate in December 2019 had a composite score of Low to Moderate
dan rasio kecukupan pemenuhan modal minimum (KPMM) Bank and the Bank’s capital adequacy ratios (CAR), individually and
secara individual maupun konsolidasi masing-masing sebesar consolidation, were 17.29% and 17.74%, respectively. This value

17,29% dan 17,74%. Nilai tersebut telah memenuhi persyaratan has met the minimum requirement of CAR ratio according to
minimum rasio KPMM sesuai profil risiko, yaitu sebesar 9,00% the risk profile, which is 9.00% to 10.00%. The Bank’s capital
sampai dengan 10,00%. Struktur permodalan Bank tetap kuat structure remains strong with Common Equity Tier (CET) 1 ratio,
dengan rasio Common Equity Tier (CET) 1 secara individual maupun individually or consolidated, of 12.07% and 12.84%, respectively,
konsolidasi sebesar 12,07% dan 12,84%, juga telah memenuhi and has also met the minimum requirement of CET 1 of 4.50% and
ketentuan minimum CET 1 sebesar 4,50% dan minimum Tier 1 minimum Tier 1 of 6%.
sebesar 6%.
Berikut kewajiban penyediaan modal minimum Bank Victoria. Below is the capital adequacy ratio of Bank Victoria.
Grafik Kewajiban Penyediaan Modal Minimum Bank Victoria

Chart of Capital Adequacy Ratio of Bank Victoria
Bank Individual
Bank Individual
19,134,835
24.58% 18,027,066
16,060,734
13,238,244
11,054,118
19.30% 17.29%
18.17%
16.73%
3,308,620
2,555,365
2,918,032
2,716,650
3,015,859
2015 2016 2017 2018 2019
Bank Konsolidasi
Bank Consolidated
25.40%
20,454,655
17,293,531 19,571,435
14,252,767
11,634,052
18.94% 17.74%
18.40%
16.75%
3,628,067
2,699,423
2,954,791
3,278,691
3,181,454
2015 2016 2017 2018 2019
(dalam jutaan Rupiah, kecuali dinyatakan lain) / in million Rupiah, unless stated otherwise)
Keterangan / Remarks:
Total Modal (Rp) / Total Capital (Rp)
Total Aset Tertimbang Menurut Risiko (ATMR) (Rp) / Total Risk Weighted Assets (RWA) (Rp)
Rasio Kecukupan Modal / Capital Adequacy Ratio

Penerapan Manajemen Risiko Risk Management Implementation

Penerapan manajemen risiko Bank Victoria dilakukan secara Bank Victoria’s risk management is carried out on an ongoing basis
berkesinambungan melalui implementasi manajemen risiko pada by implementing risk management in every functional activity
setiap aktivitas fungsional operasional Bank, untuk mencapai of the Bank’s operations, to achieve business growth and sound
pertumbuhan bisnis maupun aktivitas operasional yang sehat and sustainable operational activities, as well as to maintain
dan berkelanjutan, serta untuk menjaga dan dapat menghasilkan and be able to produce optimal returns. Through good capital
return yang optimal. Melalui pengelolaan permodalan yang baik, management, the Bank will be able to absorb the risks faced by
Bank akan mampu menyerap risiko yang dihadapi Bank sesuai the Bank in accordance with the regulatory requirements.
dengan persyaratan regulator.
Penerapan manajemen risiko secara efektif dilakukan melalui Risk management is implemented effectively through 4 (four)
4 (empat) pilar, yaitu: pillars, which are:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active monitoring of Board of Commissioners and the Board
of Directors;
2. Kecukupan kebijakan dan prosedur manajemen risiko dan 2. Adequacy of risk management policies and procedures and
penetapan limit risiko; risk limit setting;
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequacy of process of risk identification, measurement,
dan pengendalian risiko, serta sistem informasi manajemen monitoring, and management, as well as risk management
risiko; dan information system; and
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control system.
Pengawasan Aktif Dewan Komisaris dan Direksi Active Monitoring of the Board of Commissioners
and the Board of Directors
Peran Dewan Komisaris dan Direksi dalam penerapan manajemen The roles of the Board of Commissioners and Board of Directors
risiko diuraikan sebagai berikut. in risk management implementation are described as follows.
1. Dewan Komisaris dan Direksi 1. Board of Commissioners and Board of Directors
a. Memastikan penerapan manajemen risiko telah a. Ensuring that the risk management implementation
memadai sesuai dengan karakteristik, kompleksitas, is already adequate and in accordance with the
dan profil risiko; dan characteristic, complexity, and risk profile; and
b. Memahami dengan baik jenis dan tingkat risiko yang b. Understanding clearly the types and levels of risks
melekat pada kegiatan bisnis yang dijalankan. inherent in the business activities conducted.

Pengawasan aktif yang dilakukan oleh Dewan Komisaris Active monitoring conducted by the Board of Commissioners
diantaranya: includes:
a. Menyetujui dan mengevaluasi kebijakan manajemen risiko, a. Approving and evaluating risk management policies,
termasuk strategi dan kerangka manajemen risiko yang including risk management strategy and framework
ditetapkan sesuai dengan tingkat risiko yang diambil (risk established according to the risk appetite and risk
appetite) dan toleransi risiko (risk tolerance) Bank; tolerance of the Bank;tolerance of the Bank;
b. Mengevaluasi kebijakan manajemen risiko dan strategi b. Evaluating risk management policies and risk
manajemen risiko paling sedikit sekali dalam setahun management strategies at least once a year or more
atau dalam frekuensi yang lebih sering, dalam hal frequent, in the event that there are changes in factors
terdapat perubahan faktor-faktor yang mempengaruhi that affect the business activities significantly;
kegiatan usaha secara signifikan;
c. Mengevaluasi pertanggungjawaban Direksi dalam c. Evaluating the accountability of the Board of Directors
rangka memastikan bahwa Direksi mengelola aktivitas in order to ensure that the Board of Directors manage
dan risiko-risiko secara efektif dan memberikan arahan activities and risks effectively and provide direction
perbaikan atas pelaksanaan kebijakan manajemen risiko for improvements to the implementation of risk
secara berkala; management policies on a regular basis;
d. Memastikan kebijakan dan proses manajemen risiko d. Ensuring that the risk management policies and
dilaksanakan secara efektif dan terintegrasi dalam process are performed effectively and integrated
proses manajemen risiko secara keseluruhan; dan comprehensively in the risk management process; and
e. Mengevaluasi dan memutuskan permohonan Direksi e. Evaluating and determining the Board of Directors’
yang berkaitan dengan transaksi yang memerlukan request related to transactions requiring approval from
persetujuan Dewan Komisaris. the Board of Commissioners.


Pengawasan aktif yang dilakukan oleh Direksi diantaranya: Active monitoring by the Board of Directors includes:
a. Menyusun kebijakan, strategi, dan kerangka manajemen a. Preparing comprehensive risk management policy,
risiko secara tertulis dan komprehensif termasuk limit strategy, and framework in writing, including the overall
risiko secara keseluruhan, per jenis risiko, maupun per limit of risks, per type of risks, or per functional activity
aktivitas fungsional dengan memperhatikan tingkat risiko by considering the risk appetite and risk tolerance
yang akan diambil dan toleransi risiko sesuai kondisi serta according to the condition, and measuring the risk
memperhitungkan dampak risiko terhadap kecukupan impact on the capital adequacy. After having approval
permodalan. Setelah mendapat persetujuan dari Dewan from the Board of Commissioners, the Board of Directors
Komisaris, Direksi menetapkan kebijakan, strategi, dan establish the risk management policy, strategy, and
kerangka manajemen risiko dimaksud; framework;
b. Mengevaluasi, memutuskan, dan menetapkan mekanisme b. Preparing, deciding, and establishing transaction
persetujuan transaksi, termasuk yang melampaui limit dan approval mechanism, including those that exceed the
kewenangan untuk setiap jenjang jabatan; limits and authority for each level of position;
c. Menyusun, menetapkan, dan mengkinikan prosedur dan c. Preparing, establishing, and updating procedure and tool
alat untuk mengidentifikasi, mengukur, memonitor, dan to identify, measure, monitor, and control risks;
mengendalikan risiko;
d. Mengevaluasi dan/atau mengkinikan kebijakan, strategi d. Evaluating and/or updating risk policies, strategies, and
dan kerangka manajemen risiko paling kurang sekali risk management framework at least once a year or more
dalam setahun atau dalam frekuensi yang lebih sering, frequent, in the event that there are changes in factors
dalam hal terdapat perubahan faktor-faktor yang that affect the Bank’s business activities, risk exposures,
mempengaruhi kegiatan usaha Bank, eksposur risiko, and risk profiles significantly;
dan profil risiko secara signifikan;
e. Menetapkan struktur organisasi, termasuk wewenang dan e. Determining the organizational structure, including clear
tanggung jawab yang jelas pada setiap jenjang jabatan authority and responsibilities at every level of position
yang terkait dengan penerapan manajemen risiko; related to the risk management implementation;
f. Bertanggung jawab atas pelaksanaan kebijakan, strategi, f. Responsible for the implementation of policies,
dan kerangka manajemen risiko yang telah disetujui oleh strategies and risk management framework that has
Dewan Komisaris, serta mengevaluasi dan memberikan been approved by the Board of Commissioners, and
arahan berdasarkan laporan-laporan yang disampaikan evaluating and providing guidance based on reports
oleh Divisi Risk Management/Integrated, termasuk submitted by the Risk Management/Integrated Division,
laporan mengenai profil risiko; including reports on risk profiles;
g. Risiko material dan dampak yang ditimbulkan g. Material risks and the impact occurred have been
telah ditindaklanjuti dan menyampaikan laporan followed-up, and the accountability report has been
pertanggungjawaban kepada Dewan Komisaris melalui submitted to the Board of Commissioners through the
Komite Pemantau Risiko secara berkala. Laporan tersebut Risk Monitoring Committee periodically. Such report
memuat laporan perkembangan dan permasalahan terkait contains report of the development and problems related
risiko yang material disertai langkah-langkah perbaikan to the material risk along with the corrective actions that
yang telah, sedang, dan akan dilakukan; have been, are being, and will be done;
h. Melakukan langkah-langkah perbaikan atas permasalahan h. Implementing corrective actions on problems or
atau penyimpangan dalam kegiatan usaha Bank yang deviations in the Bank’s business activities found by the
ditemukan oleh Divisi Audit Internal/Integrated and Anti Internal Audit/Integrated and Anti Fraud Division;
Fraud;
i. Mengembangkan budaya manajemen risiko, termasuk i. Developing risk management culture, including risk
kesadaran risiko pada seluruh jenjang organisasi, antara awareness on all organizational levels, including
lain komunikasi yang memadai tentang pentingnya sufficient communication about the importance of an
pengendalian internal yang efektif kepada seluruh effective internal control to all organizational levels;
jenjang organisasi;
j. Memastikan kecukupan dukungan Sumber Daya Manusia j. Ensuring sufficient Human Resources and infrastructure
dan infrastruktur untuk mengelola dan mengendalikan support to manage and control risks;
risiko;
k. Memastikan bahwa fungsi manajemen risiko telah k. Ensuring that the risk management function has been
diterapkan secara independen yang dicerminkan adanya applied independently that is reflected by separating the
pemisahan fungsi antara Divisi Risk Management/ function between Risk Management/ Integrated Division,
Integrated yang melakukan identifikasi, pengukuran, which performs risk identification, measurement,
pemantauan, dan pengendalian risiko dengan satuan monitoring, and control, and the work unit performing
kerja yang melakukan dan menyelesaikan transaksi; and settling transactions;

l. Memastikan peningkatan kompetensi sumber daya l. Ensuring the improvement of human resource
manusia yang terkait dengan manajemen risiko, antara competencies related to risk management, among others
lain melalui progam pendidikan dan pelatihan secara through continuous education and training programs on
berkesinambungan mengenai penerapan manajemen risk management implementation; and
risiko; dan
m. Melaksanakan kaji ulang secara berkala untuk m. Conducting periodic reviews to ensure:
memastikan:
1) Keakuratan metodologi penilaian risiko; 1) Accuracy of risk assessment methodology;
2) Kecukupan implementasi sistem informasi 2) Adequacy of implementation of risk management
manajemen risiko; dan information system; and
3) Ketepatan kebijakan dan prosedur manajemen risiko 3) Adequacy of risk management policies and
serta penetapan limit risiko. procedures and risk limit setting.
Kecukupan Kebijakan, Prosedur, dan Penetapan Adequacy of Policies, Procedures, and Limit
Limit Manajemen Risiko Establishment of Risk Management
Kebijakan, standar, dan prosedur penerapan manajemen risiko Policy, standards, and procedure for Bank Victoria’s risk
Bank Victoria terdapat dalam Surat Keputusan Direksi No. 13/SK- management implementation are outlined in the Board of
DIR/03/17 tanggal 31 Maret 2017 tentang Kebijakan dan Pedoman Directors’ Decision Letter No. 13/SK-DIR/03/17 dated 31 March 2017
Umum Manajemen Risiko dan Surat Keputusan Direksi No. 006/ on Risk Management Policies and General Guidelines, and Board
SK-DIR/07/19 tanggal 9 Juli 2019 tentang Prosedur Penilaian Profil of Directors’ Decision Letter No. 006/SK-DIR/07/19 dated 9 July
Risiko. Penerapan kebijakan manajemen risiko dilakukan secara 2019 on Risk Profile Assessment Procedures. Risk management
konsisten dan ditinjau kembali agar sesuai dengan perkembangan policy is applied consistently and constantly reviewed to ensure
usaha, visi, misi, dan strategi Bank, serta perubahan peraturan compliance with the Bank’s business development, vision, mission,
yang berlaku. and strategies, as well as amendments to the prevailing regulations.
Perihal penetapan toleransi risiko dan limit risiko sesuai dengan Risk tolerance and risk limit have been established in accordance
kompleksitas bisnis Bank dan disusun oleh unit kerja (risk owner) with the Bank’s business complexity and prepared by the work unit
dan disampaikan kepada Divisi Risk Management/Integrated (risk owner) and submitted to the Risk Management/Integrated
untuk dievaluasi dan diajukan kepada Komite Manajemen Risiko. Division to be evaluated and submitted to the Risk Management
Selanjutnya, toleransi risiko dan limit risiko direkomendasikan Committee. Furthermore, risk tolerance and risk limits are
kepada Direktur Utama untuk mendapatkan persetujuan dengan recommended to the President Director for approval with the
sepengetahuan Dewan Komisaris. approval of the Board of Commissioners.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Process of Identification,

Pemantauan, Pengendalian dan Sistem Informasi Measurement, Monitoring, Control, and
Manajemen Risiko Information system of Risk Management
Pelaksanaan proses identifikasi, pengukuran, pemantauan, dan The process of identifying, measuring, monitoring, and controlling risk
pengendalian risiko di Bank Victoria telah didukung oleh: at Bank Victoria has been supported by:
1. Sistem informasi manajemen; dan 1. Management information system; and
2. Laporan yang informatif mengenai kondisi keuangan, kinerja 2. Informative report on financial condition, functional activity
aktivitas fungsional, dan eksposur risiko Bank. performance, and Bank’s risk exposure.
Proses manajemen risiko meliputi: Risk management process includes:

1. Identifikasi 1. Identification
Dalam rangka melaksanakan proses identifikasi risiko, Bank In order to process risk identification, the Bank has
telah melakukan analisis terhadap seluruh jenis risiko, analyzed all types of risks, particularly on the inherent risk
terutama karakteristik risiko yang melekat dan risiko dari characteristic and risks of potentially harmful products
produk dan kegiatan usaha yang berpotensi merugikan Bank. and business activities. Proactive risk identification Risk
Identifikasi risiko bersifat proaktif. Identifikasi risiko dilakukan identification is performed according to the characteristic
sesuai dengan karakteristik dan kompleksitas kegiatan and complexity of the Bank’s business activities.
usaha Bank.
2. Pengukuran 2. Measurement
Bank telah melakukan evaluasi secara berkala terhadap The Bank has conducted periodic evaluations of the
kesesuaian asumsi, sumber data, dan prosedur yang digunakan conformity of assumption, data source, and procedure used
untuk mengukur risiko serta menyempurnakan sistem to measure risk and has improved the risk measurement
pengukuran risiko dalam hal terdapat perubahan kegiatan system in the event that there are changes in the Bank’s
usaha Bank, produk, transaksi dan faktor risiko yang bersifat business activities, products, transactions, and material risk
material, sehingga dapat diambil tindakan mitigasi risiko. factors, so that risk mitigation actions can be taken.

3. Pemantauan 3. Monitoring
Sistem pemantauan risiko antara lain mencakup konsistensi The risk monitoring system includes consistency of
pelaksanaan dengan kebijakan dan prosedur yang ditetapkan implementation with the established policies and procedures and
dan peraturan terkait eskternal lainnya. Pemantauan telah other related external regulations. Monitoring has been supported
didukung oleh sistem informasi manajemen risiko yang by a risk management information system that is part of the
merupakan bagian dari sistem informasi manajemen, sesuai management information system, in accordance with the needs
dengan kebutuhan dalam rangka penerapan manajemen to implement effective risk management.
risiko yang efektif.
4. Pengendalian 4. Control
Proses pengendalian risiko yang diterapkan Bank disesuaikan The risk control process that is applied by the Bank is adjusted
dengan eksposur risiko maupun tingkat risiko yang akan to the risk exposure, risk level to be taken, and risk tolerance.
diambil dan toleransi risiko. Hal ini dilakukan dengan This is done, among others, by following up on material and
memberikan tindak lanjut atas risiko yang bersifat material significant risks, increasing controls (attached monitoring),
dan signifikan, peningkatan control (pengawasan melekat), and conducting internal audits periodically.
dan pelaksanaan audit internal secara berkala.
Penerapan proses pengelolaan risiko didukung oleh sistem The implementation of risk management process is supported
informasi manajemen risiko dalam pelaksanaan proses identifikasi, by a risk management information system in implementing the
pengukuran, pemantauan dan pengendalian risiko serta pelaporan process of identifying, measuring, monitoring, and controlling
yang menjadi dasar pengambilan keputusan kepada pihak risks, and reporting that become the basis for decision making
otoritas dan manajemen. Sistem informasi manajemen risiko to the authorities and the Management. The risk management
dikembangkan sesuai dengan kebutuhan Bank dalam rangka information system is developed in accordance with the Bank’s
penerapan manajemen risiko yang efektif. Sistem informasi needs in order to implement effective risk management. The risk
manajemen risiko dan informasi yang dihasilkan disesuaikan management information system and the information generated
dengan karakteristik dan kompleksitas kegiatan usaha Bank, serta are adapted to the characteristics and complexity of the Bank’s
adaptif terhadap perubahan. business activities, as well as adaptive to changes.
Sistem Pengendalian Internal terhadap Penerapan Internal Control System on Risk Management
Manajemen Risiko Implementation
Sistem pengendalian internal merupakan mekanisme proses The internal control system is a mechanism of the monitoring
pengawasan yang dirancang Bank untuk: process designed by the Bank to:
1. Mengelola dan mengendalikan risiko untuk memberikan 1. Manage and control risk to provide confidence in maintaining
keyakinan dalam menjaga dan mengoptimalkan pendapatan; and optimizing revenue;
2. Menjamin tersedianya laporan yang akurat; 2. Ensure the availability of accurate reports;
3. Meningkatkan kepatuhan terhadap ketentuan yang berlaku; 3. Improve compliance with the applicable regulations;
4. Mengurangi dampak kerugian keuangan, penyimpangan 4. Reduce the impact of financial loss, irregularities including
termasuk kecurangan (fraud) dan pelanggaran; fraud and violation;
5. Meningkatkan efektivitas organisasi dan meningkatkan 5. Improve organization effectiveness and improve cost
efisiensi biaya; efficiency;
6. Mengelola risiko agar tetap dalam batas toleransi (risk 6. Manage risk in order to remain within the limits of risk
tolerance) dan risk appetite sesuai ukuran dan kompleksitas tolerance and risk appetite according to the business size
usaha; dan and complexity; and
7. memberikan keyakinan yang memadai dalam rangka 7. Provide adequate confidence in achieving the Bank’s
pencapaian tujuan Bank. objectives.
Evaluasi terhadap efektivitas penerapan sistem pengendalian internal Evaluation of the effectiveness of internal control system is
dilakukan secara terus menerus dan berkesinambungan agar Bank performed continuously and ongoing so that the Bank can
dapat memantau dan memitigasi risiko-risiko yang dihadapi secara monitor and mitigate the risks effectively. Such evaluation result
efektif. Hasil evaluasi tersebut dijadikan dasar untuk perbaikan dan is used as a basis for improving and refining the system and
penyempurnaan sistem ataupun kebijakan pengendalian internal. internal control policy.
Seluruh manajemen dan karyawan Bank Victoria memiliki All management and employees of Bank Victoria have the role
peran dan tanggung jawab untuk menerapkan, mematuhi, and responsibility to implement, comply with, and improve the
serta meningkatkan sistem pengendalian internal di Bank internal control system at Bank Victoria. This is reflected in the
Victoria. Hal ini tercermin dari konsep three lines of defenses concept of three lines of defenses in risk management that has
dalam pengelolaan risiko yang telah diimplementasikan, dimana been implemented, where risk management is carried out by all
pengelolaan risiko dilakukan oleh semua lini organisasi. lines of the organization.

Strategi Penerapan Manajemen Risiko Risk Management Implementation Strategy

Strategi manajemen risiko merupakan salah satu cara untuk Risk management strategy is one way to achieve the Bank’s
mencapai tujuan Bank, yaitu: objectives, namely:
1. Meningkatkan nilai Pemegang Saham; 1. Optimizing Shareholders value;
2. Memberikan gambaran kepada pengelola Bank mengenai 2. Giving pictures to the Bank management on any future loss
kemungkinan kerugian Bank di masa datang; possibilities.
3. Meningkatkan metode dan proses pengambilan keputusan yang 3. Improving methods and systematic decision-making process
sistematis yang didasarkan atas ketersediaan informasi; dan based on the availability of information; and
4. Menciptakan infrastruktur manajemen risiko yang kokoh 4. Establishing strong risk management structure for the
dalam rangka meningkatkan daya saing Bank. purpose of enhancing the bank’s competitiveness.
Perumusan strategi manajemen risiko sesuai dengan strategi Formulation of risk management strategy is according to the
bisnis secara keseluruhan dengan memperhatikan risk appetite overall business strategy with respect to the risk appetite and risk
dan risk tolerance. Tujuan dari penyusunan strategi manajemen tolerance. The purpose of preparing risk management strategy is
risiko adalah memastikan eksposur risiko Bank berada pada atau to ensure that the Bank’s risk exposure is at or below the level of
di bawah tingkat eksposur risiko yang ditetapkan sesuai dengan risk exposure established in accordance with the Bank’s internal
kebijakan, prosedur internal Bank, serta peraturan perundang- policies and procedures, as well as other applicable laws and
undangan dan ketentuan lain yang berlaku. regulations.
Strategi manajemen risiko ditinjau dan dikomunikasikan kepada Risk management strategy is reviewed and communicated with
seluruh jenjang organisasi melalui rapat-rapat secara berkala. all level organizations in periodical meetings.
Organisasi Manajemen Risiko Risk Management Organization

Bank Victoria memiliki struktur organisasi manajemen risiko Bank Victoria has an adequate risk management organizational
yang memadai untuk mendukung penerapan manajemen risiko. structure to support the implementation of risk management. The
Struktur organisasi manajemen risiko Bank sebagai berikut. Bank’s risk management organizational structure is as follows.
a. Komite Pemantau Risiko sebagai organ yang membantu a. The Risk Monitoring Committee, as an organ that assists the
Dewan Komisaris, seperti dalam rangka mengevaluasi Board of Commissioners, in the context of evaluating the
pelaksanaan tugas Komite Manajemen Risiko; implementation of duties of the Risk Management Committee;
b. Komite Manajemen Risiko merupakan komite eksekutif b. The Risk Management Committee is an executive committee
dibawah Direksi; dan under the Board of Directors; and
c. Divisi Risk Management/Integrated merupakan Satuan Kerja c. The Risk Management/Integrated Division is an Independent
Independen terhadap Risk Taking Unit yang bertanggung Work Unit for the Risk-Taking Unit, which is responsible to the
jawab kepada Direktur yang membawahi Manajemen Risiko. Director in charge of Risk Management.
Board of Commissioners Risk Monitoring Committee
Risk Management Compliance and Risk

Committee/Integrated Management Director
Risk Management/Integrated
Division Head
Unit Head
Risk Management Application/

Individual and Consolidation
Senior Officer
Senior Officer
Market and Liquidity Credit Risk, Legal and Operational, Compliance Risk Management/Integrated
Risk Officer Reputation Officer and Strategic Officer Officer
Garis Komando / Commanding Line
Garis Koordinasi / Coordinating Line

Komite Pemantau Risiko Risk Monitoring Committee

Uraian terkait Komite Pemantau Risiko dapat dilihat pada bab Description of the Risk Monitoring Committee can be seen in the
Tata Kelola Perusahaan dalam Laporan Tahunan ini. Corporate Governance chapter of this Annual Report.
Komite Manajemen Risiko Risk Management Committee

Uraian terkait Komite Manajemen Risiko dapat dilihat pada bab Description of the Risk Management Committee can be seen in
Tata Kelola Perusahaan dalam Laporan Tahunan ini. the Corporate Governance chapter of this Annual Report.
Divisi Risk Management/Integrated Risk Management/Integrated Division

Divisi Risk Management/Integrated merupakan satuan kerja Risk Management/Integrated Division is a risk management
manajemen risiko (SKMR) pada Bank Victoria yang dipimpin oleh work unit (SKMR) at a bank Victoria headed by a Division Head
seorang Kepala Divisi dan bertanggung jawab langsung kepada and directly responsible to the Director of Compliance and Risk
Direktur Kepatuhan dan Manajemen Risiko, serta merupakan Management as well as an independent work unit to the business/
satuan kerja independen terhadap satuan kerja bisnis/operasional operational work units and work units performing internal control
dan satuan kerja yang melaksanakan fungsi pengendalian internal. functions.
Divisi Risk Management/Integrated bekerja sama dengan seluruh The Risk Management/Integrated Division partners with all
unit bisnis dan unit pendukung untuk membangun proses secara business units and supporting units to build a comprehensive
komprehensif dalam identifikasi, pengukuran, pemantauan, process of identification, measurement, monitoring, control
pengendalian risiko dan sistem informasi, serta sistem pengendalian of risk and information systems, as well as a comprehensive
internal yang menyeluruh. Dengan kebijakan manajemen risiko yang internal control system. With an effective risk management
berjalan efektif, Divisi Risk Management/Integrated menjadi mitra policy, the Risk Management/Integrated Division becomes a
strategis dari unit-unit bisnis guna mengoptimalkan pendapatan dan strategic partner of the business units to optimize revenue and
meminimalisir potensi kerugian dari aktivitas fungsional operasional minimize potential losses from the Bank’s operational functional
Bank. Untuk memastikan efektivitas dan kecukupan sistem activities. To ensure the effectiveness and adequacy of the Bank’s
manajemen risiko Bank, Divisi Risk Management/Integrated secara risk management system, Risk Management/Integrated Division
berkesinambungan terus melakukan pengelolaan risiko Bank dan continuously manages the Bank’s risk by conducting periodic re-
melakukan tinjauan ulang secara berkala. assessment.
Tugas dan Tanggung Jawab Divisi Risk Management/Integrated Duties and Responsibilities of Risk Management/Integrated
Division
Tugas dan tanggung jawab Divisi Risk Management/Integrated Duties and responsibilities of the Risk Management/Integrated
meliputi: Division include:

Pemantauan pelaksanaan strategi a. Kebijakan dan strategi manajemen risiko terkait penetapan dan persetujuan limit risiko, baik risiko secara
manajemen risiko yang telah disetujui oleh keseluruhan (composite), per jenis risiko, maupun per aktivitas fungsional;
Direksi. b. Kebijakan dan strategi manajemen risiko telah dilakukan evaluasi, diantaranya evaluasi profil risiko dan disusun
paling sedikit 1 kali dalam 1 tahun atau frekuensi yang lebih tinggi dalam hal terdapat perubahan faktor-faktor
Monitoring the implementation of risk
yang mempengaruhi kegiatan usaha Bank secara signifikan; dan
management strategy that has been c. Divisi Risk Management/Integrated telah memantau eksposur risiko secara keseluruhan (composite),
approved by the Board of Directors. per jenis Risiko, maupun per aktivitas fungsional dan kepatuhan terhadap toleransi risiko dan limit yang
ditetapkan, diantaranya tercermin dari Laporan Profil Risiko, Laporan Pemantauan Stop Loss and Cut Loss
limit dari trading foreign exchange, Laporan Pemantauan Likuiditas, dan Laporan Risk Register.
a. The risk management policy and strategy related to the determination and approval of risk limits, either
overall risk (composite), per type of risk, or per functional activity;
b. Risk management policy and strategy have been evaluated, including the risk profile, and compiled at least
once a year or higher frequency in the event that there are changes in factors that significantly affect the
Bank’s business activities; and
c. The Risk Management/Integrated Division has monitored the overall risk exposure (composite), per type of
Risk, as well as per functional activity, and their compliance with the established risk tolerance and limit,
among others, as reflected in the Risk Profile Report, Stop Loss and Cut Loss Limit Monitoring Report
from foreign exchange trading, Liquidity Monitoring Report, and Risk Register Report.


Kaji ulang secara berkala terhadap proses Divisi Risk Management/Integrated telah melakukan kaji ulang seperti:
manajemen risiko. a. Profil risiko, faktor rentabilitas dan faktor permodalan;
Periodically reviewing the risk management b. Eksposur risiko yang melekat pada satuan kerja Operasional;
process. c. Uji coba Business Continuity Management (BCM); dan
d. Uji coba Interest Rate Risk Banking Book (IRRBB) dalam rangka Tingkat Kesehatan Bank sebagai Bank BUKU 2.
Untuk memastikan:
a. Kecukupan kerangka manajemen risiko;
b. Keakuratan metodologi penilaian risiko; dan
c. Kecukupan sistem informasi manajemen risiko.
The Risk Management/Integrated Division has conducted reviews such as:
a. Risk profile, profitability factor and capital factor;
b. Risk exposure inherent in the Operational work unit;
c. Trial of Business Continuity Management (BCM); and
d. Trial of the Interest Rate Risk Banking Book (IRRBB) in the framework of the Bank’s Sound Level as a BUKU 2 Bank.
Ensuring:
a. Adequacy of risk management framework;
b. Accuracy of risk assessment methodology; and
c. Adequacy of risk management information system.
Pemantauan posisi risiko secara Divisi Risk Management/Integrated telah memantau eksposur risiko dan kepatuhan terhadap toleransi risiko dan
keseluruhan (composite), per jenis risiko, limit yang ditetapkan, diantaranya melalui laporan harian maupun Komite Manajemen Risiko, serta melakukan
dan per jenis aktivitas fungsional serta stress testing diantaranya risiko kredit, risiko pasar, dan risiko likuiditas untuk mengetahui dampaknya terhadap
melakukan stress testing. strategi manajemen dan kecukupan modal.
Monitoring the risk position in overall The Risk Management/Integrated Division has monitored risk exposure and compliance with the established
(composite), per type of risks, and per type risk tolerance and limit, among others, through daily reports and the Risk Management Committee, as well as
of functional activity, as well as performing conducting stress testing among others credit risk, market risk, and liquidity risk to determine their impact
stress testing. on the management strategy and capital adequacy.
Pengkajian usulan aktivitas dan/atau Divisi Risk Management/Integrated mengkaji usulan terkait aktivitas dan/atau produk baru yang dikembangkan
produk baru. oleh risk taking unit, seperti:
Reviewing proposals of new activity and/ a. Aktivitas baru reksadana VMI;
or product. b. Aktivitas bancassurance VIP investa link assurance dengan model bisnis referensi; dan
c. Aktivitas kerja sama Bank sebagai sub agen ORI dan produk cash management service.
Pengkajian difokuskan terutama pada aspek kemampuan untuk mengelola aktivitas dan/atau produk baru, termasuk
kelengkapan sistem dan prosedur yang digunakan, serta dampaknya terhadap eksposur risiko secara keseluruhan.
The Risk Management/Integrated Division reviews proposals related to new activity and/or product
developed by the risk-taking unit, such as:
a. VMI mutual fund new activities;
b. Bancassurance activities of VIP investa link assurance with the reference business model; and
c. The Bank’s collaborative activities as an ORI sub agent and cash management service product.
The review focuses mainly on aspect of ability to manage new activity and/or product, including the
completeness of system and procedure used, as well as the impact on the overall risk exposure.
Memberikan rekomendasi kepada Satuan Pada tahun 2019, Divisi Risk Management/Integrated telah memberikan rekomendasi, diantaranya:
Kerja Operasional (Risk Taking Unit) dan/atau a. Peer Group Bank, Stop Loss/Cut Loss Limit dari aktivitas trading forex;
kepada Komite Manajemen Risiko sesuai b. Pemantauan alat likuiditas;
kewenangan yang dimiliki. Rekomendasi c. Faktor makro untuk perhitungan Probability of Default (PD);
antara lain memuat rekomendasi yang terkait d. Limit EAR surat berharga kategori Aavailable For Sale (AFS) dan trading;
dengan besaran atau maksimum eksposur e. Hasil evaluasi profil risiko; dan
risiko yang wajib dipelihara oleh Bank. f. Interest Rate Risk Banking Book (IRRBB) dalam rangka Tingkat Kesehatan Bank sebagai Bank BUKU 2.
Providing recommendation to the Operational In 2019, the Risk Management/Integrated Division provided recommendations, among others:
Work Unit (Risk-Taking Unit) and/or to the a. Peer Group Bank, Stop Loss/Cut Loss Limit from forex trading activities;
Risk Management Committee, in accordance b. Monitoring liquidity tools;
with the authority. Recommendations among c. Macro factor to calculate Probability of Default (PD);
others include recommendations related to d. EAR limit for category of Available For Sale (AFS) securities and trading;
the amount or maximum risk exposure that e. Risk profile evaluation result; and
must be maintained by the Bank. f. Interest Rate Risk Banking Book (IRRBB) in the framework of the Bank’s Sound Level as a BUKU 2 Bank.
Menyusun dan menyampaikan laporan profil Divisi Risk Management/Integrated telah menyusun dan menyampaikan laporan profil risiko sesuai peraturan
risiko kepada Direktur Utama atau Direktur yang berlaku, baik kepada pihak eksternal maupun internal, yaitu kepada Direktur Utama, Direktur Manajemen
yang ditugaskan secara khusus, dan Komite Risiko dan Kepatuhan, Komite Manajemen Risiko, serta Otoritas Pengawas Bank secara berkala.
Manajemen Risiko secara berkala. The Risk Management/Integrated Division has prepared and submitted the risk profile report in accordance
Preparing and delivering the Risk Profile with the applicable regulations, to external and internal parties, to the President Director, Director of Risk
Report to the President Director of Management and Compliance, Risk Management Committee, and the Bank’s Supervisory Authority on a
Director specifically in charge of, and Risk regular basis.
Management Committee periodically.
Evaluasi terhadap akurasi model dan Divisi Risk Management/Integrated telah melakukan evaluasi terhadap data yang disampaikan Risk Taking Unit
validitas data yang digunakan untuk untuk memastikan akurasi dan/atau validasi data yang digunakan untuk mengukur eksposur risiko, diantaranya:
mengukur risiko, bagi Bank yang a. Kinerja keuangan;
menggunakan model untuk keperluan b. Perhitungan ATMR pasar; dan
intern. c. Laporan-laporan aktivitas fungsional pada 8 (delapan) risiko Bank.
Evaluating the accuracy of model and data The Risk Management/Integrated Division has evaluated the data submitted by the Risk-Taking Unit to
validity used to measure risk for the Bank, ensure the accuracy and/or validation of the data used to measure risk exposures, among others:
which uses model for internal purpose. a. Financial performance;
b. Calculation of market RWA; and
c. Functional activity reports on 8 (eight) Bank risks.

Aspek Pengungkapan Kinerja dan Kebijakan Manajemen Aspects of Performance Disclosure and Management Policy
Bank Victoria telah melakukan pengungkapan manajemen risiko Bank Victoria has disclosed the risk management in the Bank’s
dalam Laporan Publikasi Tahunan Bank, yang mencakup kinerja Annual Publication Report, which includes the performance of
manajemen risiko dan arah kebijakan manajemen risiko. risk management and the direction of risk management policies.
Sertifikasi Manajemen Risiko Risk Management Certification

Pada tahun 2019, Bank telah mengikutsertakan Dewan Komisaris, In 2019, the Bank registered the Board of Commissioners,
Direksi, Pejabat Eksekutif, dan karyawan dalam program Board of Directors, Executive Officers, and employees in a risk
sertifikasi manajemen risiko. Selain itu, Bank juga memberikan management certification program. Further more, the Bank also
pelatihan penyegaran (refreshment training) terhadap pihak conducted refreshment training for all parties who have passed
yang telah lulus program sertifikasi manajemen risiko. Informasi the risk management certification program. Information related
terkait sertifikasi manajemen risiko sebagai berikut. to risk management certification is shown as follows.
Dewan Komisaris
Direksi Pejabat Eksekutif Lain-Lain
Level Board of Total
Board of Directors Executive Officers Others
Commissioners
1 - - 1 247 248
2 1 - - 38 39
3 - - 6 18 24
4 - - 14 2 16
5 2 5 - - 7
Total 3 5 21 305 334
Sedangkan, informasi terkait Divisi Risk Management/Integrated Meanwhile, information related to the Risk Management/
yang telah memiliki sertifikasi manajemen risiko sebagai Integrated Division that already has a risk management
berikut. certification is as follows.
Nama Jabatan Penyelenggara Masa Berlaku Tempat

Level
Name Position Organizer Validity Period Place
Kepala Divisi Lembaga Sertifikasi Profesi Perbankan (LSPP) 13 Januari 2023
Hermawan 4 Jakarta
Head of Division Banking Profession Certification Institution (LSPP) 13 January 2023
Unit Head Badan Sertifikasi Manajemen Risiko (BSMR) 15 Februari 2023

Ananto Wicaksono 2 Jakarta
Unit Head Risk Management Certification Institution (BSMR) 15 February 2023
Senior Officer Lembaga Sertifikasi Profesi Perbankan (LSPP)

Yusuf Doi Pratama 2 10 November 2020 Jakarta
Senior Officer Banking Profession Certification Institution (LSPP)
Officer Lembaga Sertifikasi Profesi Perbankan (LSPP)

Meru Tri P 1 10 November 2022 Jakarta
Officer Banking Profession Certification Institution (LSPP)
Profil Risiko Risk Profile

Profil risiko Bank terdiri dari risiko inheren dan kualitas penerapan The Bank’s risk profile consists of the inherent risk and quality of
manajemen risiko. Tingkat penilaian pada risiko inheren terdiri risk management implementation. The assessment level on the
dari 5 (lima) peringkat, yaitu: inherent risk consists of 5 (five) scores, which are:
1. Peringkat 1 (low); 1. Score 1 (low);
2. Peringkat 2 (low to moderate); 2. Score 2 (low to moderate);
3. Peringkat 3 (moderate); 3. Score 3 (moderate);
4. Peringkat 4 (moderate to high); dan 4. Score 4 (moderate to high); and
5. Peringkat 5 (high). 5. Score 5 (high).
Sedangkan, untuk tingkat penilaian pada kualitas penerapan Meanwhile, the assessment level on the quality of risk
manajemen risiko terdiri dari: management implementation consists of:
1. Peringkat 1 (strong); 1. Score 1 (strong);
2. Peringkat 2 (satisfactory); 2. Score 2 (satisfactory);
3. Peringkat 3 (fair); 3. Score 3 (fair);
4. Peringkat 4 (marginal); dan 4. Score 4 (marginal); and
5. Peringkat 5 (unsatisfactory). 5. Score 5 (unsatisfactory).

Penilaian pada masing-masing risiko diberi peringkat sesuai Assessment on each risk is ranked according to the risk limit by
batasan risiko dengan mempertimbangkan strategi dan tujuan considering the business strategy and objectives. In addition, the
bisnis. Selain itu, kemampuan dalam mengambil risiko juga ability to take risks is also analyzed, especially at significant or
dianalisa, terutama pada eksposur risiko yang signifikan atau material risk exposures in accordance with the Bank’s business
yang bersifat material sesuai dengan kompleksitas usaha Bank. complexity.
Penilaian Profil Risiko Risk Profile Assessment

Sesuai dengan Peraturan Otoritas Jasa Keuangan tentang According to the Financial Services Authority Regulation on Risk
Penerapan Manajemen Risiko bagi Bank Umum. Hasil penilaian Management Implementation for Commercial Banks. The Bank’s
profil risiko Bank per Desember 2019 mempunyai peringkat Profil risk profile assessment result per December 2019 was a Risk
Risiko 2 (Low to Moderate). Profile rating of 2 (Low to Moderate).
Profil risiko Bank yang termasuk dalam peringkat ini pada umumnya The Bank’s risk profile that is included in this rating, in general,
memiliki karakteristik antara lain sebagai berikut: has the following characteristics:
1. Dengan mempertimbangkan aktivitas bisnis yang dilakukan 1. By considering the business activities conducted by the
Bank, kemungkinan kerugian yang dihadapi Bank dari risiko Bank, the potential loss faced by the Bank from the composite
inheren komposit tergolong rendah selama periode waktu inherent risks is low during certain periods of time in the
tertentu pada masa datang; dan future; and
2. Kualitas penerapan manajemen risiko secara komposit 2. The quality of composite risk management implementation
memadai. Dalam hal terdapat kelemahan minor, kelemahan is adequate. In the event of minor weakness, this weakness
tersebut perlu mendapatkan perhatian manajemen. needs to gain management attention.
Evaluasi dan Peningkatan Pengelolaan Risiko Evaluation and Improvement of Risk Management
Evaluasi dan penyempurnaan pengelolaan risiko senantiasa The Bank constantly evaluates and improves its risk management,
dilakukan Bank, baik dari segi struktur organisasi dan sumber daya either on the organizational structure aspect, human resources,
manusia, kebijakan dan prosedur, maupun sistem pendukung agar policy and procedure, or on the supporting system so that it is in-
sesuai dengan perkembangan akivitas perbankan yang semakin line with the Bank’s various and complex banking activities growth.
beragam dan kompleks. Usaha tersebut dilakukan Bank agar dapat The effort is made to prepare the Bank to be able to manage the
mengelola risiko yang dihadapi, melakukan upaya pencegahan atau risks, to prevent or mitigate, to reserve capital in order to assist
mitigasi, serta mencadangkan modal, sehingga membantu Bank the Bank in planning the future direction of the business growth.
dalam merencanakan arah pertumbuhan bisnis di masa depan. Improvement and refinement of risk management are conducted
Perbaikan dan peningkatan pengelolaan dilakukan melalui: as follows:
1. Menjaga eksposur risiko secara keseluruhan (aggregate) 1. Maintaining an aggregate risk exposure or per type of risk by
maupun per jenis risiko dengan mempertimbangkan considering the interrelationships among the risks;
keterkaitan antar risiko;
2. Evaluasi dan penyempurnaan pengukuran risiko secara 2. Evaluating and refining the risk measurement on a regular
berkala atau sewaktu-waktu apabila diperlukan untuk basis or at any time as necessary to ensure conformity of
memastikan kesesuaian akurasi, kewajaran, serta prosedur accuracy, reasonableness, and procedures used to measure
yang digunakan untuk mengukur risiko; risks;
3. Analisa dan evaluasi kecenderungan terhadap perubahan 3. Analyzing and evaluating trends towards changes in factors
faktor-faktor yang mempengaruhi kinerja Bank, baik faktor affecting the Bank’s performance, both internal and external
internal maupun eksternal. factors.
Evaluasi Pelaksanaan Sistem Manajemen Risiko Evaluation of Risk Management System

Implementation
Penerapan sistem manajemen risiko bermanfaat untuk melakukan Implementation of risk management system is useful to analyze
analisis terhadap risiko atau kemungkinan adanya risiko yang akan the risks or possible risks to be faced in the present or future. In
dihadapi saat ini maupun yang akan datang. Dalam praktiknya, Bank practice, the Bank periodically conducts reviews by evaluating
secara berkala melakukan kaji ulang melalui evaluasi kepada unit kerja. the work units. The evaluation is conducted with the aim of
Evaluasi dilakukan dengan tujuan agar Bank mampu mengidentifikasi enabling the Bank to identify any potential risks that arise and
setiap risiko yang berpotensi muncul dan berdampak signifikan. have a significant impact. Risk management evaluation process
Proses evaluasi pelaksanaan manajemen risiko menggunakan uses risk basis approach and performed by Risk Management/
pendekatan berbasis risko dan dilakukan oleh Divisi Risk Management/ Integrated Division, in coordination with all the work units.
Integrated, bekerja sama dengan seluruh unit kerja.
Secara internal, evaluasi efektivitas sistem manajemen risiko Internally, the evaluation and effectiveness of the risk
dilakukan oleh Komite Pemantau Risiko dan Divisi Audit Internal/ management is carried out by the Risk Monitoring Committee and
Integrated and Anti Fraud. Komite Pemantau Risiko melakukan Internal Audit/Integrated and Anti Fraud Division. Risk Monitoring

evaluasi terhadap kebijakan dan pelaksanaan manajemen risiko Committee evaluates the policy and implementation of the Bank’s
Bank, memberikan masukan dan rekomendasi kepada Dewan risk management, provides inputs and recommendations to
Komisaris dalam rangka melaksanakan fungsi pengawasan, the Board of Commissioners for the purpose of executing the
serta melakukan perbaikan atau penyempurnaan pelaksanaan monitoring function, and to improve and refine risk management
manajemen risiko berdasarkan hasil evaluasi pelaksanaan implementation based on risk management implementation
manajemen risiko. Sementara itu, Divisi Audit Internal/Integrated evaluation result. Meanwhile, the Internal Audit/Integrated and
and Anti Fraud secara rutin melakukan peninjauan ulang dan audit Anti Fraud Division regularly reviews and audits the Bank’s risk
terhadap penerapan manajemen risiko Bank berdasarkan prinsip management implementation based on risk-based audit principle
risk based audit dengan tujuan sebagai pengendalian internal serta with the goal not only as internal control but also for continuous
perbaikan penerapan manajemen risiko secara terus menerus. improvement of risk management implementation. Meanwhile,
Adapun evaluasi efektivitas sistem manajemen risiko secara the external evaluation of risk management system effectiveness
eksternal dilakukan oleh auditor eksternal maupun regulator. is carried out by external auditor or by the regulator.
Penerapan Manajemen Risiko Terintegrasi Integrated Risk Management

Implementation
Sistem keuangan yang sangat kompleks, dinamis, dan saling Financial system that is highly complex, dynamic, and interrelated
terkait antar masing-masing sektor jasa keuangan menyebabkan among each financial services sector leading to the increase in
meningkatnya eksposur risiko. Menghadapi kondisi tersebut, risk exposure. Facing such condition, the risk management is
penerapan manajemen risiko dilakukan secara terintegrasi implemented in an integrated manner by considering all risks.
dengan memperhatikan seluruh risiko. Risiko yang muncul bisa The risk incurred may be caused by Subsidiary Entity or sister
berasal dari Entitas Anak dan perusahaan berelasi (sister company) company included in Victoria Group Financial Conglomeration.
yang tergabung dalam suatu Konglomerasi Keuangan Grup Victoria.
Lembaga jasa keuangan yang tercakup dalam konglomerasi Several financial services institutions included in Victoria Group
keuangan Grup Victoria pada tahun 2019 terdiri dari: financial conglomeration in 2019 are as follows:
1. PT Bank Victoria International Tbk (Entitas Utama); 1. PT Bank Victoria International Tbk (Main Entity);
2. PT Bank Victoria Syariah (subsidiary company); 2. PT Bank Victoria Syariah (Subsidiary Company);
3. PT Victoria Manajemen Investasi; 3. PT Victoria Manajemen Investasi;
4. PT Victoria Sekuritas Indonesia; 4. PT Victoria Sekuritas Indonesia;
5. PT Victoria Insurance Tbk; dan 5. PT Victoria Insurance Tbk; and
6. PT Victoria Alife Indonesia. 6. PT Victoria Alife Indonesia.
Dalam hal ini, Bank Victoria telah ditunjuk sebagai Entitas In this matter, the Victoria Bank has been appointed as the
Utama dalam konglomerasi keuangan Grup Victoria. Penerapan Main Entity in Victoria Group Financial Conglomeration. The risk
manajemen risiko secara terintegrasi terhadap konglomerasi management implementation in an integrated manner to Victoria
keuangan Grup Victoria diharapkan dapat menjadi sinergi Group financial conglomeration is expected to be the business
bisnis yang mendatangkan mutual benefit bagi Bank maupun synergy bringing in mutual benefits both for the Bank and Victoria
konglomerasi keuangan Grup Victoria secara keseluruhan. Group Financial Conglomeration in overall.
Penerapan manajemen risiko terintegrasi dilakukan melalui The integrated risk management is implemented by aligning the
penyelarasan praktik manajemen risiko dalam hal tata kelola risiko, risk management practices in terms of risk governance, adequate
struktur organisasi yang memadai, batas wewenang, tanggung jawab organizational structure, limits of authority, responsibilities, and
dan fungsi, kebijakan dan prosedur manajemen risiko, pelaporan functions, risk management policy and procedure, risk management
manajemen risiko, serta peningkatan budaya sadar risiko. Selain reporting, and the increased culture of risk awareness. Furthermore,
itu, penerapan manajemen risiko terintegrasi disesuaikan dengan the integrated risk management implementation is adjusted to the
karakteristik usaha pada masing-masing lembaga jasa keuangan business characteristics in each financial services institution within
dalam konglomerasi keuangan Grup Victoria. Victoria Group financial conglomeration.
Penerapan manajemen risiko terintegrasi pada proses manajemen The integrated risk management in the integrated risk
risiko terintegrasi, Satuan Kerja Manajemen Risiko Terintegrasi management process, Integrated Risk Management Work
dimasing-masing Entitas melakukan pemantauan, evaluasi, dan Unit in each Entity is implemented by monitoring, evaluating,
menyampaikan fokus utama atas eksposur risiko untuk perbaikan and conveying the main focus of risk exposure to improve
proses manajemen risiko terintegrasi kepada Komite Manajemen the integrated risk management process to the Integrated
Risiko Terintegrasi. Apabila terdapat perbaikan, maka Komite Risk Management Committee. If there is an improvement, the
Manajemen Risiko Terintegrasi merekomendasikan kepada Integrated Risk Management Committee recommends the Board
Direksi Entitas Utama untuk dapat diterapkan dalam penerapan of Directors of the Main Entity to apply it in the integrated risk
manajemen risiko terintegrasi setelah mendapatkan persetujuan management after obtaining approval from the Board of Directors
dari Direksi dimasing-masing Entitas. in each Entity.

Penerapan manajemen risiko terintegrasi dilakukan melalui The implementation of integrated risk management is carried out
pendekatan berdasarkan risiko dengan prinsip-prinsip: through a risk-based approach with the following principles:
1. Agregasi Risiko, yaitu penilaian risiko didasarkan pada risiko yang 1. Risk Aggregation, means comprehensive risk assessment
terdapat dalam konglomerasi keuangan Grup Victoria secara based on risks found in Victoria Group financial
menyeluruh dengan memperhatikan dampak yang ditimbulkan conglomeration by considering the arising impact on Victoria
terhadap kondisi konglomerasi keuangan Grup Victoria; Group’s financial conglomeration condition;
2. Holistik, yaitu penilaian risiko dilakukan dengan melihat 2. Holistic, means risk assessment performed by looking at
keterkaitan antara satu faktor dengan faktor lainnya, sehingga the link between one factor and another in order to reach a
diperoleh kesimpulan yang memberikan gambaran mengenai conclusion that gives an overall picture of risks in Victoria
risiko konglomerasi keuangan Grup Victoria secara keseluruhan; Group’s financial conglomeration;
3. Signifikansi/materialitas dan proporsionalitas, yaitu penilaian 3. Significance/Materiality and Proportionality, means
risiko dilakukan dengan memperhatikan signifikansi/ risk assessment carried out with due regard to the risk
materialitas risiko secara proporsional pada konglomerasi significance/materiality in a proportional way in Victoria
keuangan Grup Victoria secara keseluruhan dengan Group financial conglomeration comprehensively, by
memperhatikan struktur, karakteristik, dan kompleksitas considering the structure, characteristics, and complexity of
dari konglomerasi keuangan Grup Victoria; Victoria Group financial conglomeration;
4. Komprehensif dan terstruktur, yaitu penilaian risiko dilakukan 4. Comprehensive and Structured means risk assessment
dengan analisis mendalam dengan memperhatikan faktor- carried out in an in-depth analysis by considering
faktor penilaian secara luas, lengkap, dan utuh. comprehensive, complete, and intact assessment factors.
Penerapan manajemen risiko terintegrasi dilakukan secara The implementation of integrated risk management is carried out
komprehensif dan efektif melalui 4 (empat) pilar, yaitu: in a comprehensive and effective manner through 4 (four) pillars,
which are:
1. Pengawasan Direksi dan Dewan Komisaris Entitas Utama; 1. Monitoring of Board of Directors and Board of Commissioners
of Main Entity;
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of policies, procedures, and limit establishment of
manajemen risiko terintegrasi; the integrated risk management;
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequacy of process of risk identification, measurement,
pengendalian risiko secara terintegrasi, dan sistem informasi monitoring, control in an integrated way,and integrated risk
manajemen risiko terintegrasi; management information system;
4. Sistem pengendalian internal yang menyeluruh terhadap 4. Internal control system comprehensively for the
penerapan manajemen risiko terintegrasi. implementation of integrated risk management.
Pengawasan Dewan Komisaris dan Direksi Entitas Supervision of the Board of Commissioners and
Utama Board of Directors of the Main Entity
Dewan Komisaris dan Direksi Entitas Utama bertanggung jawab The Board of Commissioners and Board of Directors of the Main
untuk memastikan penerapan manajemen risiko terintegrasi Entity are responsible for ensuring that the implementation of
telah memadai sesuai dengan skala usaha kompleksitas dan integrated risk management has been adequate and in line with the
karakteristik masing-masing anggota konglomerasi keuangan business scale, complexity, and characteristics of each member
Grup Victoria. Penerapan manajemen risiko terintegrasi diawasi of Victoria Group financial conglomeration. The implementation
secara aktif oleh Dewan Komisaris dan Direksi Entitas Utama, of integrated risk management is actively monitored by the
dibantu oleh Komite, diantaranya Komite Tata Kelola Terintegrasi Board of Commissioners and Board of Directors, assisted by the
dan Komite Manajemen Risiko Terintegrasi. Committees, such as the Integrated Governance Committee and
Integrated Risk Management Committee.
Sebagai Entitas Utama, Bank Victoria dalam konglomerasi As the Main Entity, Bank Victoria in the Victoria Group financial
keuangan Grup Victoria bertanggung jawab: conglomerate is responsible for:
1. Memastikan penerapan manajemen risiko terintegrasi telah 1. Ensuring the implementation of integrated risk management
memadai dan sesuai dengan karakteristik serta kompleksitas has been adequate and in line with the business
usaha konglomerasi keuangan Grup Victoria secara characteristics and complexity of Victoria Group financial
terintegrasi; conglomeration in an integrated manner;
2. Memahami dengan baik jenis dan tingkat risiko yang 2. Clearly understanding the types and levels of risks inherent
melekat pada konglomerasi keuangan Grup Victoria secara in Victoria Group financial conglomeration in an integrated
terintegrasi; dan manner; and
3. Memastikan setiap anggota konglomerasi keuangan Grup 3. Ensuring each member of Victoria Group financial
Victoria menerapkan manajemen risiko. conglomeration has implemented risk management.
Selain melaksanakan wewenang dan tanggung jawab dalam Apart from exercising authority and responsibilities in order
rangka penerapan manajemen risiko terintegrasi pada to implement integrated risk management in Victoria Group
konglomerasi keuangan Grup Victoria, Dewan Komisaris dan financial conglomeration, the Board of Commissioners and Board

Direksi Entitas Utama juga tetap melaksanakan wewenang dan of Directors of the Main Entity also exercise their authority and
tanggung jawabnya dalam rangka penerapan manajemen risiko responsibilities in order to implement risk management in the
pada Entitas Utama, sesuai dengan ketentuan yang berlaku bagi Main Entity, in accordance with the provisions applicable to the
Entitas Utama. Main Entity.
Kecukupan Kebijakan, Prosedur, dan Penetapan Adequacy of Policies, Procedures, and Limit
Limit Manajemen Risiko Terintegrasi Establishment of Integrated Risk Management
Berdasarkan Surat Keputusan Direksi No. 006/SK-DIR/10/15 Based on Board of Directors’ Decision Letter No. 006/SK-DIR/10/15
tanggal 28 Oktober 2015 tentang Kebijakan dan Pedoman Umum dated 28 October 2015 on Integrated Risk Management Policies
Manajemen Risiko Terintegrasi dan Surat Keputusan Direksi and General Guidelines, and Board of Directors’ Decision Letter
No. 006/SK-DIR/04/19 tanggal 26 April 2019 tentang Prosedur No. 006/SK-DIR/04/19 dated 26 April 2019 on Integrated Risk
Penilaian Profil Risiko Terintegrasi. Kebijakan, prosedur, dan Profile Assessment Procedures. The policy, procedure, and limit
penetapan limit manajemen risiko terintegrasi merupakan establishment of integrated risk management, are the framework
kerangka manajemen risiko terintegrasi untuk mendukung for the integrated risk management to support the effectiveness
efektivitas penerapan manajemen risiko terintegrasi dalam of integrated risk management implementation within each of
lingkup aktivitas usaha masing-masing Grup Victoria dalam Victoria Group’s financial conglomeration’s business activities
konglomerasi keuangan. Selain itu, kebijakan manajemen risiko scope. Furthermore, the integrated risk management policies are
terintegrasi merupakan arahan tertulis dalam menerapkan written direction in implementing the integrated risk management
manajemen risiko terintegrasi sesuai dengan karateristik dan in accordance with the characteristics and complexity of healthy
kompleksitas kegiatan dan praktik usaha yang sehat. Evaluasi business activities and practice. Evaluation on such policy
terhadap penerapan kebijakan tersebut dilakukan secara berkala implementation is carried out periodically according to changes in
sesuai dengan perubahan kondisi serta potensi risikonya. condition and the risk potency.
Penyusunan kebijakan manajemen risiko terintegrasi disesuaikan Preparation of integrated risk management policies is adjusted
dengan strategi manajemen risiko terintegrasi dengan to the strategies of integrated risk management by considering
memperhatikan tingkat risiko yang akan diambil (risk appetite) dan the risk level that will be taken (risk appetite) and risk tolerance
toleransi risiko (risk tolerance) atau limit yang telah disepakati. or the limits that have been agreed. In regard to this matter, the
Dalam hal ini, limit dievaluasi secara berkala, 1 kali dalam 1 tahun, limits are regularly evaluated once in a year or sooner based on
atau lebih cepat sesuai dengan tingkat risiko, kebutuhan, dan the risk level, needs, and development of Victoria Group financial
perkembangan Grup Victoria dalam konglomerasi keuangan. conglomeration.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Process of Identification,

Pemantauan, Pengendalian dan Sistem Informasi Measurement, Monitoring, Control, and Information
Manajemen Risiko Terintegrasi system of Integrated Risk Management
Secara berkesinambungan, Grup Victoria dalam konglomerasi Victoria Group in the financial conglomeration continually
keuangan terus menyempurnakan proses manajemen risiko improves its integrated risk management process in a
terintegrasi secara komprehensif. Hal tersebut bertujuan agar comprehensive manner. This is intended so that information on
informasi yang berpotensi merugikan secara terintegrasi dapat potential harm in an integrated manner can be detected as early
diketahui sedini mungkin, sehingga dapat mengambil tindakan yang as possible, so that adequate actions can be taken to mitigate the
memadai untuk memitigasi dampak risiko seminimal mungkin. risk impact to be as minimum as possible.
Proses identifikasi risiko dilakukan terhadap seluruh sumber Risk identification process is performed to all risk sources
risiko secara proaktif, termasuk dampak yang ditimbulkan. pro-actively, including all impacts that may be incurred. Next,
Selanjutnya, dilakukan pengukuran, pemantauan, dan measurement, monitoring, and control are performed to all
pengendalian terhadap seluruh aktivitas usaha masing-masing business activities of each member of Victoria Group in the
Grup Victoria dalam konglomerasi keuangan. Selain itu, Grup financial conglomeration. In addition, Victoria Group keeps
Victoria terus mengembangkan sistem informasi manajemen developing the information system of integrated risk management
risiko terintegrasi agar lebih informatif dan berkualitas. to be more informative with higher quality.
Dalam pelaksanaann penerapan manajemen risiko terintegrasi, In implementing the integrated risk management, the Integrated
Satuan Kerja Manajemen Risiko Terintegrasi (SKMRT) Entitas Risk Management Unit (SKMRT) of the Main Entity coordinates
Utama berkoordinasi dengan satuan kerja yang melaksanakan with the work units that carry out the risk management function
fungsi manajemen risiko pada masing-masing Lembaga Jasa at each Financial Services Institution (LJK) in the Victoria Group
Keuangan (LJK) dalam konglomerasi keuangan Grup Victoria. financial conglomeration.
Pada proses manajemen risiko terintegrasi, seluruh LJK di dalam In the integrated risk management process, all LJKs within
konglomerasi Keuangan Grup Victoria saling bersinergi dalam Victoria Group Financial Conglomeration are in synergy in
melaksanakan aktivitas bisnis/transaksi dengan tetap mengacu carrying out business activities/transactions by still referring to
kepada prinsip arm length dan pengelolaan yang berbasis risiko. the principle of arm length and risk-based management.

Sistem Pengendalian Internal terhadap Penerapan Internal Control System on Integrated Risk
Manajemen Risiko Terintegrasi Management Implementation
Melalui fungsi pengendalian internal, Grup Victoria dalam konglomerasi Through internal control function, Victoria Group in the financial
keuangan senantiasa melakukan upaya-upaya untuk mengelola dan conglomeration always makes efforts to manage and control
mengendalikan risiko. Proses pengendalian aktivitas operasional the risks. The process of operational activities control in each
masing-masing Grup Victoria dalam konglomerasi keuangan dilakukan Victoria Group in the financial conglomeration is carried out
melalui tindakan-tindakan pengendalian pada setiap tindakan dalam through control activities in every action within the organization
struktur organisasi. Hal tersebut bertujuan untuk memastikan: structure. This is carried out with intention to ensure:
1. Kepatuhan terhadap kebijakan atau ketentuan internal serta 1. Compliance with internal policies and provisions, and the
peraturan perundang-undangan yang berlaku; applicable laws and regulations;
2. Tersedianya informasi keuangan dan manajemen yang 2. The availability of financial and management information that
lengkap, akurat, tepat guna, dan tepat waktu; dan is complete, accurate, appropriate, and timely; and
3. Efektivitas budaya risiko (risk culture) pada organisasi 3. The effectiveness of risk culture in the organization of
konglomerasi keuangan secara menyeluruh. financial conglomeration in overall.
Struktur Organisasi Manajemen Risiko Terintegrasi Organizational Structure of Integrated Risk

Management
Terkait dengan penerapan manajemen risiko terintegrasi dalam In regard of the implementation of integrated risk management in
konglomerasi keuangan Grup Victoria dan pengelolaan eksposur Victoria Group Financial Conglomeration and the management of
risiko, maka Bank Victoria sebagai Entitas Utama perlu mengelola risk exposure, Bank Victoria as the Main Entity needs to manage and
dan memantau eksposur risiko konglomerasi keuangan Grup monitor the risk exposure of Victoria Group financial conglomeration
Victoria secara terintegrasi serta menerapkan manajemen risiko in an integrated manner and implement the integrated risk
terintegrasi. Sehubungan dengan hal tersebut dan dalam rangka management. In connection with such matter and for the purpose
penerapan manajemen risiko terintegrasi dalam konglomerasi of implementing integrated risk management in Victoria Group
keuangan grup victoria, maka Entitas Utama telah membentuk: Financial Conglomeration, then the Main Entity has established:
1. Komite Manajemen Risiko Terintegrasi; dan 1. Integrated Risk Management Committee; and
2. Satuan Kerja Manajemen Risiko Terintegrasi. 2. Integrated Risk Management Work Unit.

(Entitas Utama / Main Entity)
President Director
Risk Management
Committe/Integrated
Director of Finance Director of Business
and Risk Management
Risk
Management/
Integrated Division
PT Victoria Manajemen PT Victoria Sekuritas PT Victoria PT Victoria Alife PT Bank Victoria Syariah
Investasi Indonesia Insurance Tbk Indonesia (Subsidary of Bank Victoria)
Garis Komando / Commanding Line
Garis Koordinasi / Coordinating Line

Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee

Uraian terkait Komite Manajemen Risiko Terintegrasi dapat dilihat Description of the Integrated Risk Management Committee can be
pada bab Tata Kelola Perusahaan pada Laporan Tahunan ini. seen in the Corporate Governance chapter of this Annual Report.
Satuan Kerja Manajemen Risiko Terintegrasi Integrated Risk Management Work Unit
Satuan Kerja Manajemen Risiko Terintegrasi merupakan pejabat The Integrated Risk Management Work Unit is the executive
eksekutif yang berada satu tingkat di bawah Direksi yang officer of one level below the Board of Director, who is in charge of
memimpin satuan kerja operasional dan/atau fungsi/satuan an operational work unit and/or risk management function/work
kerja manajemen risiko dan berada satu tingkat di bawah Direksi. unit. In the Main Entity, the Risk Management/Integrated Division
Pada Entitas Utama, Risk Management/Integrated Division oleh is led by a Division Head who is directly responsible to the Director
seorang Kepala Divisi yang bertanggung jawab langsung kepada of Compliance and Risk Management.
Direktur Kepatuhan dan Manajemen Risiko.
Satuan Kerja Manajemen Risiko Terintegrasi merupakan satuan kerja The Integrated Risk Management Work Unit is an independent
independen yang terpisah dengan satuan kerja yang melaksanakan work unit separated from the work unit performing the internal
fungsi pengendalian internal dan satuan kerja operasional (risk taking control function and operational work unit (risk taking unit) in
unit) pada setiap anggota konglomerasi keuangan Grup Victoria. each member of Victoria Group financial conglomeration and in
Selain itu, dalam penerapan manajemen risiko terintegrasi harus implementing the integrated risk management, free from the
bebas dari benturan kepentingan antara anggota konglomerasi conflict of interest between members of Victoria Group financial
keuangan Grup Victoria dengan Entitas Utama. conglomeration and the Main Entity.
Guna memastikan efektivitas dan kecukupan sistem manajemen In order to ensure effectiveness and adequacy of the integrated
risiko tertintegrasi, Satuan Kerja Manajemen Risiko Terintegrasi risk management system, the Integrated Risk Management Work
secara berkesinambungan terus melakukan pengelolaan risiko Unit continually and subsequently manages and reviews the risk
dan peninjauan ulang secara berkala. Hal tersebut sebagai periodically. This serves as a compliance to the applicable rules
wujud kepatuhan terhadap peraturan yang berlaku serta untuk and to ensure a healthy group.
menciptakan grup yang sehat.
Wewenang dan tanggung jawab Satuan Kerja Manajemen Risiko Authority and Responsibilities of the Integrated Risk Management
Terintegrasi meliputi: Work Unit consist of:
1. Memberikan masukan kepada Direksi Entitas Utama, 1. To give input to the Board of Directors of the Main Entity such
antara lain dalam penyusunan Kebijakan Manajemen Risiko as related to the preparation of Integrated Risk Management
Terintegrasi; Policies;
2. Memantau pelaksanaan Kebijakan Manajemen Risiko Terintegrasi, 2. To monitor the implementation of Integrated Risk Management
termasuk mengembangkan prosedur dan alat untuk identifikasi, Policies including developing procedures and tools for risk
pengukuran, pemantauan, dan pengendalian risiko; identification, measurement, monitoring, and control;
3. Melakukan pemantauan risiko pada anggota Grup Victoria 3. To monitor the risk in members of Victoria Group financial
dalam konglomerasi keuangan dengan melakukan conglomeration by way of monitoring the assessment result:
pemantauan terhadap hasil penilaian:
a. Profil risiko setiap anggota dalam konglomerasi a. The risk profile of each member of Victoria Group
keuangan; financial conglomeration;
b. Tingkat risiko dari setiap jenis risiko secara terintegrasi; b. Integrated risk level of any risk types;
c. Profil risiko secara terintegrasi; c. Integrated risk profile;
4. Melakukan stress test melalui pengujian terhadap kemampuan 4. Conducting stress test by testing Victoria Group financial
konglomerasi keuangan Grup Victoria dengan menggunakan conglomeration’s capability in using specific stress test
skenario stress test secara spesifik maupun skenario stress scenario and market stress test scenario;
test secara pasar;
5. Melaksanakan kaji ulang secara berkala untuk memastikan: 5. To conduct regular review in order to ensure:
a. Keakuratan metodologi penilaian risiko; a. Accuracy of the methodology of risk assessment;
b. Kecukupan implementasi sistem informasi manajemen; b. Adequacy of implementation of management information
system;
c. Ketepatan kebijakan, prosedur, dan penetapan limit c. Accuracy of policies, procedures, and risk limit
risiko secara terintegrasi; establishment in an integrated manner;
6. Mengkaji usulan lini bisnis baru yang bersifat strategis, paling 6. To review the proposal of new strategic business line within
lambat satu bulan sejak adanya permohonan dari anggota at least one month since the receipt of application from
dan/atau konglomerasi keuangan Grup Victoria, antara members and/or Victoria Group financial conglomeration,
lain berupa masuknya suatu entitas dalam konglomerasi such as in the form of entry of an entity into Victoria Group
keuangan Grup Victoria yang berpengaruh signifikan terhadap financial conglomeration which significantly impacts the risk
eksposur risiko konglomerasi keuangan di Grup Victoria; exposure in Victoria Group financial conglomeration;

7. Memberikan informasi kepada Komite Manajemen Risiko 7. To provide the information to the Integrated Risk Management
Terintegrasi terhadap hal-hal yang perlu ditindaklanjuti Committee on matters needs to be followed up regarding the
terkait hasil evaluasi terhadap penerapan manajemen risiko evaluation result of the implementation of integrated risk
terintegrasi, antara lain mengenai besaran dan maksimum management, such as the size of and maximum risk exposure
eksposur risiko yang perlu mendapat perhatian Direksi Entitas that need attention from the Board of Directors of the Main
Utama atau anggota konglomerasi keuangan Grup Victoria; Entity or members of Victoria Group financial conglomeration;
8. Memberikan masukan kepada Komite Manajemen Risiko 8. To provide input to the Integrated Risk Management
Terintegrasi dalam rangka penyusunan dan penyempurnaan Committee for the purpose of preparation and refinement of
Kebijakan Manajemen Risiko Terintegrasi; Integrated Risk Management Policies;
9. Menyusun dan menyampaikan Laporan Profil Risiko Terintegrasi 9. To prepare and submit the Integrated Risk Profile Report
secara berkala kepada Direktur dari Entitas Utama yang regularly to the Directors of the Main Entity in charge of
membawahi fungsi manajemen risiko terintegrasi dan kepada integrated risk management and to the Integrated Risk
Komite Manajemen Risiko Terintegrasi. Frekuensi laporan dapat Management Committee. The frequency of reports can be
ditingkatkan apabila kondisi pasar berubah dengan cepat. increased if the market condition changes rapidly.
Profil Risiko Terintegrasi Integrated Risk Profile

Grup Victoria dalam konglomerasi keuangan menyadari bahwa Victoria Group in the financial conglomeration realizes that all
semua kegiatan bisnis, baik yang berasal dari aset maupun liabilitas, business activities either those deriving from assets or liabilities,
dapat berpotensi menimbulkan berbagai jenis risiko. Oleh karenanya, may potentially incur various types of risks. Therefore, each
masing-masing anggota konglomerasi keuangan Grup Victoria telah member of Victoria Group Financial Conglomeration has identified
mengidentifikasi risiko-risiko yang dihadapi, yang meliputi risiko risks to be dealt with, which include credit risk, market risk,
kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko hukum, liquidity risk, operation risk, legal risk, strategic risk, compliance
risiko strategis, risiko kepatuhan, risiko reputasi, risiko intragroup, dan risk, reputation risk, intra group risk, and insurance risk. In
risiko asuransi. Dalam mengelola risiko-risiko tersebut, konglomerasi managing those risks, Victoria Group financial conglomeration
keuangan Grup Victoria secara bertahap dan berkelanjutan melakukan subsequently and continuously carries out various development
berbagai pengembangan dan penyempurnaan aspek dan komponen and improvement on aspects and components of integrated risk
penerapan manajemen risiko terintegrasi secara komprehensif, sesuai management implementation comprehensively, according to
dengan peraturan yang berlaku. Pengembangan dan penyempurnaan the applicable regulations. Such development and improvement
tersebut antara lain terkait pengelolaan manajemen risiko terintegrasi among others are related to integrated risk management and risk
dan budaya risiko (risk culture). culture.
Profil risiko terintegrasi terdiri dari risiko inheren terintegrasi dan The integrated risk profile consists of inherent risk and quality of
kualitas penerapan manajemen risiko terintegrasi. Tingkat penilaian integrated risk management implementation. The assessment
pada risiko inheren terintegrasi terdiri dari 5 (lima) peringkat, yaitu: level on the inherent risk consists of 5 (five) scores, which are:
1. Peringkat 1 (Low); 1. Score 1 (Low);
2. Peringkat 2 (Low to Moderate); 2. Score 2 (Low to Moderate);
3. Peringkat 3 (Moderate); 3. Score 3 (Moderate);
4. Peringkat 4 (Moderate to High); dan 4. Score 4 (Moderate to High); and
5. Peringkat 5 (High). 5. Score 5 (High).
Sedangkan, untuk tingkat penilaian pada kualitas penerapan Meanwhile, the assessment level on the quality of integrated risk
manajemen risiko terintegrasi terdiri dari: management implementation consists of:
1. Peringkat 1 (Strong); 1. Score 1 (Strong);
2. Peringkat 2 (Satisfactory); 2. Score 2 (Satisfactory);
3. Peringkat 3 (Fair); 3. Score 3 (Fair);
4. Peringkat 4 (Marginal); dan 4. Score 4 (Marginal); and
5. Peringkat 5 (Unsatisfactory). 5. Score 5 (Unsatisfactory);
Penilaian pada masing-masing risiko diberi peringkat sesuai The assessment of each risk is rated according to risk limits
batasan risiko dengan mempertimbangkan strategi dan tujuan by considering the strategies and business objectives of each
bisnis masing-masing anggota konglomerasi keuangan Grup member of Victoria Group’s financial conglomeration that are
Victoria yang disusun secara terintegrasi. prepared in an integrated manner.
Berdasarkan hasil self assessment profil risiko terintegrasi Grup Based on the integrated risk profile self-assessment result,
Victoria dalam konglomerasi keuangan, pada Desember 2019 Victoria Group in financial conglomeration, in December 2019
berada pada peringkat 2 (Low to Moderate) yang menunjukkan was at Score 2 (Low to Moderate), which shows that in carrying
bahwa dalam aktivitas bisnis yang dilakukan, kemungkinan out its business activities, the possibility of loss that the financial
kerugian yang dihadapi konglomerasi keuangan tergolong rendah conglomeration is dealing with is considered low during certain
selama periode waktu tertentu di masa mendatang. periods of time in the future.

Manajemen Permodalan Terintegrasi Integrated Capital Management

Modal merupakan sumber dukungan keuangan dalam pelaksanaan Capital is a source of financial support in the overall
aktivitas secara keseluruhan, cushion untuk menyerap kerugian implementation of activities, cushion for absorbing unexpected
yang tidak terduga (unexpected losses), dan jaring pengaman losses, and safety nets in crisis conditions. Adequate capital can
(safety net) dalam kondisi krisis. Kecukupan modal yang memadai increase stakeholder trust.
dapat meningkatkan kepercayaan pemangku kepentingan.
Sejalan dengan hal tersebut, Grup Victoria dalam konglomerasi In line with such matter, Victoria Group in financial conglomeration
keuangan menjaga kecukupan modal secara terintegrasi di always maintains an integrated capital adequacy above the
atas ketentuan regulasi dan disertai pengelolaan permodalan regulatory provisions and is accompanied by adequate capital
konglomerasi keuangan Grup Victoria secara memadai management of Victoria Group financial conglomerate based
berdasarkan Surat Keputusan Direksi No. 007/SK-DIR/01/16 on Board of Directors’ Decision Letter No. 007/SK-DIR/01/16 on
tentang Kebijakan dan Pedoman Umum Kecukupan Pemenuhan Integrated Policy and General Guidelines of Capital Adequacy
Modal Minimum (KPMM) Terintegrasi Bank Victoria sebagai Ratio (CAR) of Bank Victoria as the Main Entity in Victoria Group
Entitas Utama dalam Grup Victoria di konglomerasi keuangan in financial conglomeration and Financial Services Authority
dan Peraturan Otoritas Jasa Keuangan No. 26/POJK.03/2015 Regulation No. 26/POJK.03/2015 on Integrated Minimum Capital
tentang Kewajiban Penyediaan Modal Minimum Terintegrasi bagi Adequacy Requirement for Financial Conglomeration.
Konglomerasi Keuangan.
Dalam hal ini, pengelolaan permodalan secara terintegrasi In this matter, integrated capital management is performed to:
dilakukan untuk:
1. Mengantisipasi seluruh risiko yang ditimbulkan oleh aktivitas 1. Anticipate all risks posed by financial conglomeration
konglomerasi keuangan; activities;
2. Memitigasi modal berada dibawah target yang ditetapkan; 2. Mitigate capital below the target set;
3. Memastikan kepatuhan Grup Victoria dalam konglomerasi 3. Ensure compliance of Victoria Group in financial
keuangan pada ketentuan yang berlaku mengenai conglomeration with the applicable provisions on capital
kewajiban penyediaan modal minimum; adequacy ratio;
4. Merencanakan permodalan dengan mempertimbangkan 4. Plan capital by considering among other risks, strategies, and
antara lain risiko, strategi, dan rencana bisnis serta kondisi business plans, as well as macroeconomic conditions;
makroekonomi;
5. Melakukan penilaian kecukupan modal secara terintegrasi 5. Conduct an integrated capital adequacy assessment by the
oleh Satuan Kerja Manajemen RisikoTerintegrasi (SKMRT), Integrated Risk Management Work Unit (SKMRT), to identify:
untuk mengidentifikasi:
a. Indikasi double atau multiple gearing dalam konglomerasi a. An indication of double or multiple gearing in a financial
keuangan adalah kondisi adanya penyertaan atau conglomeration is a condition of the inclusion or
penempatan modal antar LJK anggota konglomerasi placement of capital between LJK members of Victoria
keuangan Grup Victoria yang menyebabkan modal Group financial conglomeration, which causes the
konglomerasi keuangan Grup Victoria dinilai lebih besar capital of Victoria Group financial conglomeration to be
dari yang seharusnya (overstated); considered greater than it should be (overstated);
b. Indikasi excessive leverage adalah kondisi adanya b. An indication of excessive is a condition of excessive
pinjaman yang berlebihan oleh suatu LJK yang lending by an LJK placed in the form of capital at another
ditempatkan dalam bentuk modal pada LJK lain; LJK;
c. Hambatan melakukan transfer modal dari satu lembaga c. Barriers to make capital transfer from one to
jasa keuangan kepada lembaga jasa keuangan lain dalam another financial services institution in the financial
konglomerasi keuangan; conglomeration;
d. Risiko yang signifikan mempengaruhi konglomerasi d. Risk that significantly impacts the financial
keuangan; dan conglomeration; and
e. Tindakan yang dilakukan oleh anggota LJK yang e. Actions taken by LJK members that cause Victoria
menyebabkan konglomerasi keuangan Grup Victoria gagal Group’s financial conglomeration to fail to fulfill some or
memenuhi sebagian atau seluruh ketentuan. all of the provisions.
Pemantauan dan penyampaian laporan modal secara terintegrasi The monitoring and submission of the integrated capital report
dilakukan oleh Satuan Kerja Manajemen Risiko Terintegrasi are carried out by the Integrated Risk Management Work Unit
dan disampaikan kepada Direksi Entitas Utama dan Komite and submitted to the Board of Directors of the Main Entity and
Manajemen Risiko Terintegrasi secara berkala. Sedangkan, sistem the Integrated Risk Management Committee regularly. Whereas,
pengendalian internal dan kaji ulang penerapan manajemen the internal control system and review of the integrated capital
permodalan terintegrasi dilakukan oleh Satuan Kerja Audit management implementation are carried out by the Integrated
Internal Terintegrasi untuk memastikan keandalan penerapan Internal Audit Work Unit to ensure the reliability of the integrated
manajemen permodalan terintegrasi. capital management implementation.

Dewan Komisaris dan Direksi Entitas Utama selalu memastikan The Board of Commissioners and Board of Directors of the
penyediaan modal minimum terintegrasi diatas 100% dari Total Main Entity always ensure that the integrated minimum capital
Modal Minimum (TMM) konglomerasi keuangan Grup Victoria requirement is above 100% of the Total Minimum Capital (TMM) of
(aggregate regulatory capital requirement). Grup Victoria dalam Victoria Group Financial Conglomeration (aggregate regulatory
konglomerasi keuangan berkomitmen untuk memelihara tingkat capital requirement). Victoria Group in financial conglomeration
permodalan di atas ketentuan regulator untuk mendukung is committed to maintaining the capital level above the regulatory
perkembangan usaha konglomerasi keuangan Grup Victoria provisions to support the business development of Victoria Group
secara keseluruhan. financial conglomeration entirely.
Hasil self assessment Grup Victoria per 31 Desember 2019, rasio Victoria Group’s self assessment result as of 31 December 2019
Kewajiban Penyediaan Modal Minimum Terintegrasi sebesar shows that Integrated Capital Adequacy at 192.66% has met the
192,66% telah memenuhi ketentuan minimum regulator terkait requirement of minimum Integrated CAR which is determined by
KPMM Terintegrasi yang paling rendah sebesar 100,00%. the regulator to be 100.00% at the lowest.
Pengungkapan Eksposur Risiko Disclosure of Risk Exposure

Secara komprehensif, Bank Victoria mengimplementasikan In a comprehensive manner, Bank Victoria implements a
sistem manajemen risiko sesuai dengan karakteristik dan risk management system in accordance with the Bank’s
kompleksitas usaha Bank. Dalam penerapan manajemen risiko, business characteristics and complexity. In carrying out risk
Bank berfokus pada kualitas penerapan manajemen risiko yang management, the Bank focuses on the quality of risk management
merupakan sistem pengendalian risiko yang terdiri dari: implementation, which is a risk control system consisting of:
1. Tata kelola risiko; 1. Risk governance;
2. Kerangka manajemen risiko; 2. Risk management framework;
3. Proses manajemen risiko, sumber daya manusia, dan sistem 3. Risk management process, human resources, and risk
informasi manajemen risiko; dan management information systems; and
4. Pengendalian risiko. 4. Risk control.
Risiko Kredit Credit Risk

Risiko kredit adalah risiko kerugian akibat kegagalan pihak lain Credit risk is the risk of loss due to failure of counterparty in
dalam memenuhi kewajibannya. Risiko kredit bisa berasal dari meeting the obligations. Credit risk may derive from various
berbagai instrumen keuangan seperti surat berharga, akseptasi, financial instruments such as securities, acceptance, interbank
transaksi antar-Bank, transaksi pembiayaan perdagangan, transactions, trade financing transaction, currency exchange
transaksi nilai tukar dan derivatif, serta kewajiban komitmen dan transaction and derivatives, as well as commitment and
kontijensi. contingency liabilities.
Tujuan dari manajemen risiko kredit adalah untuk memastikan The purpose of Credit Risk Management is to ensure that the
bahwa aktivitas penyediaan dana Bank tidak terekspos pada activity of providing Bank funds is not exposed to Credit Risk
risiko kredit yang dapat menimbulkan kerugian pada Bank. which can cause losses to the Bank.
Strategi Manajemen Risiko untuk Aktivitas yang Memiliki Risk Management Strategy for Activities with Significant
Eksposur Risiko Kredit yang Signifikan Exposure to Credit Risk
Strategi manajemen risiko untuk aktivitas yang memiliki eksposur Risk management strategy for activities with credit risk exposure
risiko kredit telah disusun dan ditetapkan oleh Bank dengan has been prepared and established by the Bank with due regards
mempertimbangkan: to the:
1. Ketentuan regulator dan/atau Rencana Bisnis Bank; 1. Regulatory provisions and/or the Bank’s Business Plan;
2. Pertumbuhan ekonomi disesuaikan dengan perkiraan 2. Economic growth which is adjusted to macroeconomic
pertumbuhan ekonomi makro; growth estimates;
3. Proyeksi pertumbuhan kredit industri perbankan; dan 3. Projected loan growth of banking industry; and
4. Prinsip kehati-hatian serta prinsip perbankan yang sehat 4. Prudential principles and sound banking principles in lending.
dalam penyaluran kredit.
Kebijakan Pengelolaan Risiko Konsentrasi Kredit Credit Concentration Risk Management Policy
Bank mengelola risiko konsentrasi kredit dan/atau dengan The Bank manages the credit concentration risk by diversifying
melakukan diversifikasi portofolio kredit dan penyebaran risiko its credit portfolio and spreading the risks arising from various
yang timbul dari berbagai sektor industri atau sektor ekonomi. industrial sectors or economic sectors. In this regard, the Bank
Terkait hal ini, Bank melakukan: conducts:

1. Penetapan limit berdasarkan sektor ekonomi atas analisa 1. Determination of limits based on economic sector in
makro ekonomi melalui penetapan limit yang dituangkan accordance with macroeconomic analysis through the
dalam Rencana Bisnis Bank; determination of limits set forth in the Bank’s Business Plan;
2. Analisa risiko konsentrasi kredit dilakukan sesuai portofolio yang 2. The credit concentration risk analysis is conducted according
dikelola Bank dengan mempertimbangkan berbagai dampak to the portfolio managed by the Bank by considering the
perubahan dari indikator ekonomi yang dapat mempengaruhi various impacts of changes of economic indicators that may
pemberian kredit pada sektor ekonomi tertentu; dan affect lending on certain economic sectors; and
3. Analisa pergerakan non performing loan (NPL) pada tiap 3. Analysis of the movement of non-performing loans (NPL) in
sektor bisnis dan industri. each business and industry sector.
Untuk mendukung kebijakan pengelolaan risiko konsentrasi To support the credit concentration risk management policy,
kredit, Bank telah memiliki kebijakan dan pedoman perkreditan the Bank already has credit policy and guidance as set forth in
yang dituangkan dalam pedoman dan prosedur perkreditan. the guidelines and procedures of credit. The credit policies and
Kebijakan dan pedoman perkreditan tersebut memberikan guidelines provide complete and comprehensive guidance on
petunjuk secara lengkap dan komprehensif atas kegiatan credit management activities from the time of credit submission,
manajemen kredit dari saat pengajuan kredit, proses analisis, analysis process, approval, monitoring, documentation, control,
persetujuan, pemantauan, pendokumentasian, pengendalian, dan and restructuring. Such policies and procedures are regularly
penyelamatan/restrukturisasi. Kebijakan dan prosedur tersebut evaluated and revised to suit the Bank’s scale and complexity.
dievaluasi dan disempurnakan secara berkala untuk disesuaikan
dengan skala dan kompleksitas bisnis Bank.
Organisasi Manajemen Risiko Kredit serta Pengukuran dan Credit Risk Management Organization and Credit Risk
Pengendalian Risiko Kredit Measurement and Control
Pengukuran dan pengendalian risiko kredit melalui: Credit risk is measured and controlled through:
1. Pengelolaan risiko kredit yang dilakukan oleh Bank secara 1. Continuous and sustainable management of credit risk by
terus-menerus dan berkesinambungan melalui pengkinian the Bank through regular updating of policies, systems, and
kebijakan, sistem, dan prosedur mengenai penyediaan procedures on the provision of funds, credit limit per sector,
dana secara berkala, limit kredit per sektor, kualitas kredit credit quality as a whole and per sector, and credit rescue/
secara keseluruhan maupun per sektor, dan penyelamatan/ settlement for nonperforming borrowers;
penyelesaian kredit bagi debitur yang bermasalah;
2. Pemisahan wewenang dan tanggung jawab dalam rangka 2. Separate the authority and responsibility for credit risk
pengendalian risiko kredit, seperti: control, such as:
a. Kerangka delegasi wewenang kredit untuk memastikan a. The Framework of the Delegation of Credit Authority
bahwa pengambilan keputusan atas risiko utama hanya to ensure that decision on main risk is made only by
dilakukan oleh Komite Kredit dan Komite Kebijakan the Credit Committee and the Credit Policy Committee
Perkreditan untuk memastikan standar pengendalian to ensure that the Bank’s control standards and risk
Bank dan tujuan risiko terpenuhi; objectives are met;
b. Menerapkan four eyes principle yang merupakan prinsip b. Applying the four eyes principle which is the main
utama yang mendasari pengambilan keputusan kredit principle underlying the credit decision making by
dengan melibatkan unit bisnis dan unit kerja lainnya, involving business units and other work units, with the
dengan pemisahan wewenang dan tanggung jawab, yaitu: separation of authority and responsibilities, namely:
1) Divisi Bisnis adalah unit bisnis yang melaksanakan 1) Business Division is a business unit implementing
usulan/aktivitas pemberian kredit atau penyediaan loan proposal/activity or provision of funds and
dana dan pengawasan debitur dalam perhatian khusus; supervision of debtor in special attention;
2) Divisi Credit Risk Review adalah unit yang melakukan 2) Credit Analyst Division is a unit that performs analysis
analisa dan evaluasi terhadap memorandum analisa and evaluation of credit analysis memorandum and
kredit dan membuat rekomendasi terhadap proposal makes recommendations to proposals proposed by
yang diusulkan oleh Divisi Bisnis; the Business Division;
3) Divisi Compliance, Anti-Money Laundering (AML)/ 3) Compliance, Anti-Money Laundering (AML)/Integrated
Integrated and System Procedure berfungsi untuk and System Procedure Division serves to maintain the
menjaga kepatuhan Bank dalam penyediaan dana; dan Bank’s compliance on the provision of funds; and
4) Divisi Special Asset Management berfungsi untuk 4) Special Asset Management Division serves to handle
melakukan penanganan debitur bermasalah dan non-performing debtors and settlement of non-
penyelesaian aset bermasalah, serta restrukturisasi performing assets, and restructuring of non-performing
kredit bermasalah. loans.
c. Stress testing risiko kredit untuk menilai ketahanan modal c. Stress testing of credit risk to assess the Bank’s capital
Bank dalam menghadapi penurunan kualitas kredit debitur. resilience in handling decreasing quality of debtors’ credit.

Tagihan yang Jatuh Tempo dan Tagihan yang Mengalami Matured Receivables and Impairment in Receivables
Penurunan Nilai/Impairment
Kebijakan tentang tagihan yang jatuh tempo dan tagihan yang The Bank implements policies on maturity receivables and
mengalami penurunan nilai/impairment yang diterapkan Bank, impaired receivables, which include:
meliputi:
1. Tagihan yang telah jatuh tempo, merupakan tagihan yang 1. Matured receivables, is a bill that has been overdue more
telah jatuh tempo lebih dari 90 hari, baik atas pembayaran than 90 days, either on the principal payment and/or interest
pokok dan/atau pembayaran bunga; dan payment; and
2. Tagihan yang mengalami penurunan nilai, yaitu suatu kondisi 2. Impaired receivables, a condition in which there is an
dimana terdapat bukti obyektif terjadinya peristiwa yang objective evidence of an adverse event occurring as a result
merugikan sebagai akibat dari satu atau lebih peristiwa yang of one or more events occurring after the initial recognition
terjadi setelah pengakuan awal kredit tersebut, dan peristiwa of such credit, and such adverse event has an impact on the
yang merugikan tersebut berdampak pada estimasi arus estimated future cash flow of a financial asset or group of
kas masa datang atas aset keuangan atau kelompok aset financial assets that can be estimated reliably.
keuangan yang dapat diestimasi secara handal.
Pendekatan dalam Pembentukan CKPN, serta Metode Statistik Approach in the Formation of Provision for Impairment Loss
yang Digunakan (CKPN), and the Statistical Method Used
Bank menetapkan pendekatan yang digunakan untuk The Bank sets out the approach used for the provision for
pembentukan cadangan kerugian penurunan nilai (CKPN) impairment loss (CKPN), individually and collectively, as well as
individual dan kolektif, serta metode statistik yang digunakan the statistical methods used in calculating CKPN as described
dalam perhitungan CKPN yang dijelaskan sebagai berikut. below.
1. CKPN individual adalah penyisihan yang dibentuk untuk 1. Individual CKPN is allowance established for financial asset
aset keuangan yang penurunan nilainya dievaluasi secara in which its impairment is evaluated individually (CKPN is
individual (CKPN dihitung dari selisih antara nilai wajar kini calculated from the difference between the present fair value
dan nilai wajar sebelum/impair). and fair value before the impairment).
2. CKPN kolektif adalah penyisihan yang dibentuk untuk aset 2. Collective CKPN is allowance for financial asset in which
keuangan yang penurunan nilainya dievaluasi secara kolektif, its impairment is evaluated collectively, which is financial
yaitu aset keuangan yang penurunan nilainya tidak dievaluasi asset in which its impairment is not evaluated individually or
secara individual atau dievaluasi secara individual, namun evaluated individually but there is no objective evidence of
tidak terdapat bukti obyektif penurunan nilai. impairment.
3. Penentuan CKPN secara individual/kolektif akan ditentukan 3. Determination of individual/collective of CKPN will determine
jenis evaluasi yang akan digunakan berdasarkan parameter the type of evaluation to be used based on the parameter of
nilai signifikansi. Namun jika yang dievaluasi secara individual significance value. However, if CKPN individually evaluated is
tidak dievaluasi secara kolektif, jika tidak ada bukti obyektif not collectively evaluated, then there is no objective evidence
(dalam hal ini tunggakan/perubahan kolektibilitas ke NPL), (in this case arrears/ collectability changes to the NPL), and
maka akan dievaluasi secara kolektif. therefore, it will be evaluated collectively.
Terkait pengungkapan, Bank Victoria telah memuat informasi Related to the disclosure, Bank Victoria has included the
berikut dalam Lampiran Pengungkapan Kuantitatif Eksposur following information in Appendix on Quantitative Disclosure of
Risiko. Risk Exposure.
1. Tabel Pengungkapan Tagihan Bersih Berdasarkan Wilayah – 1. Table of Disclosure of Net Receivables By Area – Bank,
Bank secara Individual. Individually.
2. Tabel Pengungkapan Tagihan Bersih Berdasarkan Wilayah – 2. Table of Disclosure of Net Receivables By Area – Bank,
Bank secara Konsolidasi dengan Entitas Anak. Consolidated with Subsidiaries.
3. Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa 3. Table of Disclosure of Net Receivables By Remaining Contract
Jangka Waktu Kontrak – Bank secara Individual. Period – Bank, Individually.
4. Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa 4. Table of Disclosure of Net Receivables By Remaining Contract
Jangka Waktu Kontrak – Bank secara Konsolidasi dengan Period – Bank, Consolidated with Subsidiaries.
Entitas Anak.
5. Tabel Pengungkapan Tagihan Bersih Berdasarkan Sektor 5. Table of Disclosure of Net Receivables By Economic Sector –
Ekonomi – Bank secara Individual. Bank, Individually.
6. Tabel Pengungkapan Tagihan Bersih Berdasarkan Sektor 6. Table of Disclosure of Net Receivables By Economic Sector –
Ekonomi – Bank secara Konsolidasi dengan Entitas Anak. Bank, Consolidated with Subsidiaries.
7. Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan 7. Table of Disclosure of Receivables and Allowances By Area –
Wilayah – Bank secara Individual. Bank, Individually.
8. Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan 8. Table of Disclosure of Receivables and Allowances By Area –
Wilayah – Bank secara Konsolidasi dengan Entitas Anak. Bank, Consolidated with Subsidiaries.

9. Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan 9. Table of Disclosure of Receivables and Allowances By
Sektor Ekonomi – Bank secara Individual. Economic Sector – Bank, Individually.
10. Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan 10. Table of Disclosure of Receivables and Allowances By
Sektor Ekonomi – Bank secara Kondolidasi dengan Entitas Anak. Economic Sector – Bank, Consolidated with Subsidiaries.
11. Tabel Pengungkapan Rincian Mutasi Cadangan Kerugian 11. Table of Disclosure of Detailed Changes in Allowances for
Penurunan Nilai – Bank secara Individual. Impairment Losses – Bank, Individually.
12. Tabel Pengungkapan Rincian Mutasi Cadangan Kerugian 12. Table of Disclosure of Detailed Changes in Allowances for
Penurunan Nilai – Bank secara Konsolidasi dengan Entitas Impairment Losses – Bank, Consolidated with Subsidiaries.
Anak.
Pengungkapan Risiko Kredit Bank Menggunakan Pendekatan Disclosure of Credit Risk with Standardized Approach
Standar
Bank menggunakan metode perhitungan pendekatan standar The Bank uses standardized approach calculation method for
(standardized approach) risiko kredit dengan berpedoman credit risk with reference to the Financial Services Authority
pada Peraturan Otoritas Jasa Keuangan No. 34/POJK.03/2016 Regulation No. 34/POJK.03/2016 on Amendment to Financial
tentang Perubahan Atas Peraturan Otoritas Jasa Keuangan Services Authority Regulation No. 11/POJK.03/2016 on Capital
No. 11/POJK.03/2016 tentang Kewajiban Penyediaan Modal Adequacy Ratio for Commercial Banks, and Financial Services
Minimum Bank Umum, serta Surat Edaran Otoritas Jasa Authority Circular No. 11/SEOJK.03/2019 dated 15 August 2018
Keuangan No. 11/SEOJK.03/2019 tanggal 15 Agustus 2018 on Amendment to Financial Services Authority Circular No. 42/
tentang Perubahan atas Surat Edaran Otoritas Jasa Keuangan SEOJK.03/2016 on Guidelines on Calculation of Risk Weighted
No. 42/SEOJK.03/2016 tentang Pedoman Perhitungan Aset Assets (RWA) for Credit Risk by using Standardized Approach.
Tertimbang Menurut Risiko untuk Risiko Kredit dengan
Menggunakan Pendekatan Standar.
Kategori Portofolio yang Menggunakan Peringkat Portfolio Category That Uses Ranking
Pengungkapan tagihan bersih berdasarkan kategori portofolio Disclosure of net receivables by portfolio categories based on risk
berdasarkan bobot risiko setelah memperhitungkan dampak weighting after calculating the credit risk mitigation impacts and
mitigasi risiko kredit dan skala peringkat. rating scale.
Lembaga Pemeringkat yang Digunakan Rating Agency Used

Berdasarkan peraturan Otoritas Jasa Keuangan yang diatur dalam Based on Financial Services Authority Regulation stipulated under
Surat Edaran Otoritas Jasa Keuangan No. 37/SEOJK.03/2016 Financial Services Authority Circular No. 37/SEOJK.03/2016 on
tentang Lembaga Pemeringkat dan Peringkat yang diakui Otoritas Rating Agencies and Ratings recognized by the Financial Services
Jasa Keuangan, Bank menggunakan peringkat yang diterbitkan oleh Authority, the Bank uses ratings published by several recognized
beberapa lembaga pemeringkat yang diakui seperti Moody’s, Standard rating agency, such as Moody’s, Standard & Poor’s, Fitch, Pefindo,
& Poor’s, Fitch, Pefindo, Moody’s Indonesia, dan Fitch Indonesia. Moody’s Indonesia, and Fitch Indonesia.
dalam Lampiran Pengungkapan Kuantitatif Eksposur Risiko following information in Appendix on Quantitative Disclosure of
sebagai berikut. Risk Exposure.
1. Tabel Pengungkapan Tagihan Bersih Berdasarkan Kategori 1. Table of Disclosure of Net Receivables By Portfolio Category
Portofolio dan Skala Peringkat – Bank secara Individual. and Rating Scale – Bank, Individually.
2. Tabel Pengungkapan Tagihan Bersih Berdasarkan Kategori 2. Table of Disclosure of Net Receivables By Portfolio Category
Portofolio dan Skala Peringkat – Bank secara Kondolidasi and Rating Scale – Bank, Consolidated with Subsidiaries.
dengan Entitas Anak.
Pengungkapan Risiko Kredit Pihak Lawan Disclosure of Counterparty Credit Risk

Bank menerapkan pengungkapan risiko kredit pihak lawan The Bank implements the disclosure of counterparty credit risk,
(counterparty credit risk), termasuk jenis instrumen mitigasi yang including the type of mitigation instrument commonly accepted
lazim diterima atau diserahkan oleh Bank. Counterparty credit or submitted by the Bank. Counterparty credit risk is a risk arising
risk merupakan risiko yang timbul dari jenis transaksi derivatif from over the counter (OTC) derivative transaction and repo/
over the counter (OTC) dan transaksi repo/reverse repo, baik pada reverse repo transactions, both in the trading book and banking
posisi trading book maupun banking book. Meskipun demikian, book positions. However, the Bank has no exposure to over the
Bank tidak memiliki eksposur transaksi derivatif over the counter counter (OTC) derivative transactions and repo transaction
(OTC) dan eksposur transaksi repo, baik pada posisi trading book exposures, both in trading book and banking book positions.
maupun banking book.
Namun Bank mempunyai eksposur risiko pada transaksi reverse However, the Bank has risk exposure in reverse repo transactions
repo di bagian pengungkapan risiko kredit pihak lawan. in the disclosure of counterparty credit risk.

dalam Lampiran Pengungkapan Kuantitatif Eksposur Risiko following information in Appendix on Quantitative Disclosure of
sebagai berikut. Risk Exposure.
1. Tabel Pengungkapan Risiko Kredit Pihak Lawan (Counterparty 1. Table of Disclosure of Counterparty Credit Risk – Bank
Credit Risk) – Bank secara Individual; dan Individually; and
2. Tabel Pengungkapan Risiko Kredit Pihak Lawan (Counterparty 2. Table of Disclosure of Counterparty Credit Risk – Bank
Credit Risk) – Bank secara Konsolidasi dengan Entitas Anak. Consolidated with Subsidiaries.
Mitigasi Risiko Kredit dengan Menggunakan Pendekatan Standar Credit Risk Mitigation by Using Standardized Approach
1. Informasi mengenai kebijakan Bank untuk jenis agunan. 1. Information on the Bank’s policy for types of collateral.
Bank didukung oleh analisa kelayakan debitur dalam In granting credit facilities, the Bank is supported by debtor’s
pemberian fasilitas kredit. Hal tersebut bertujuan untuk feasibility analysis. This matter is aimed at assessing the
menilai kemampuan debitur dalam mengembalikan semua debtor’s ability in returning all of its obligations. As a credit
kewajibannya. Sebagai jaminan kredit, Bank menerima agunan collateral, the Bank accepts collateral that meets the criteria,
yang memenuhi kriteria, seperti mempunyai nilai ekonomis, such as having economic value, marketable, transferable, and
marketable, transferable, serta mempunyai nilai yuridis. Dalam having juridical value. In practice, collateral is required as a
praktiknya, diperlukan agunan sebagai second way out, dalam second way out, in the event that the debtor is unable to meet
hal debitur tidak mampu mengembalikan kewajibannya. its obligations.
2. Kebijakan, prosedur, serta proses untuk penilaian dan 2. Policies, procedures, and processes for assessing and
pengelolaan agunan managing collateral
Bank berpegang teguh pada peraturan otoritas yang berlaku The Bank adheres to the applicable regulatory authority
dan telah dituangkan ke dalam kebijakan dan prosedur and has been incorporated into the Bank’s internal appraisal
penilaian (appraisal) dan pengelolaan internal Bank. policies and procedures. Collateral management is a risk
Pengelolaan agunan merupakan perangkat pengendalian control tool implemented by the Bank to mitigate credit risk
risiko yang diterapkan oleh Bank guna melakukan mitigasi in order to minimize the impact of the arising risks.
risiko kredit untuk meminimalisir dampak dari risiko yang
terjadi.
3. Pihak-pihak utama pemberi jaminan/garansi dan kelayakan 3. The main parties are the provider of collateral/guarantee and
kredit (credit worthiness) yang merupakan kemampuan credit worthiness which is the ability of the company to fulfill
perusahaan untuk memenuhi kewajiban kreditnya. Fokus its credit obligations. The main focus lies in risk, including
utamanya terletak pada risiko, meliputi analisis likuiditas liquidity and solvency analysis. The credit analysis tool and
maupun solvabilitas. Alat analisis kredit dan kriterianya untuk its criteria for assessment include various terms (due date),
penilaian meliputi beragam ketentuan (tanggal jatuh tempo), type, and purpose of the debt contract.
jenis, dan tujuan kontrak utangnya.
4. Informasi tingkat konsentrasi yang ditimbulkan dari 4. Information on the concentration level arising from the use of
penggunaan teknik mitigasi risiko kredit credit risk mitigation techniques
Bank memiliki konsentrasi pada tagihan kepada korporasi The Bank has a concentration on receivables to the
yang dilakukan dengan pengelolaan risiko konsentrasi kredit corporation by conducting credit concentration risk
melalui penentuan limit untuk sektor industri. Hal tersebut management by setting limits for industrial sector. This
bertujuan untuk mendukung pertumbuhan kredit yang sehat matter aims to support sound credit growth by prioritizing
dengan mengedepankan pada prinsip-prinsip kehati-hatian. prudential principles
Terkait pengungkapan, Bank Victoria telah memuat informasi Related to the disclosure, Bank Victoria has included the following
berikut dalam Lampiran Pengungkapan Kuantitatif Eksposur information in Appendix on Quantitative Disclosure of Capital,
Risiko. Risk Exposure, and Implementation of Risk Management.
1. Tabel Pengungkapan Tagihan Bersih Berdasarkan Bobot 1. Table of Disclosure of Net Receivables By Risk Weight After
Risiko setelah Memperhitungkan Dampak Mitigasi Risiko Calculating Credit Risk Mitigation Impact – Bank, Individually.
Kredit – Bank secara Individual.
2. Tabel Pengungkapan Tagihan Bersih Berdasarkan Bobot 2. Table of Disclosure of Net Receivables By Risk Weight
Risiko setelah Memperhitungkan Dampak Mitigasi Risiko After Calculating Credit Risk Mitigation Impact – Bank,
Kredit – Bank secara Konsolidasi dengan Entitas Anak. Consolidated with Subsidiaries.
3. Tabel Pengungkapan Tagihan Bersih dan Teknik Mitigasi 3. Table of Disclosure of Net Receivables and Credit Risk
Risiko Kredit – Bank secara Individual. Mitigation Technique – Bank, Individually.
4. Tabel Pengungkapan Tagihan Bersih dan Teknik Mitigasi 4. Table of Disclosure of Net Receivables and Credit Risk
Risiko Kredit – Bank secara Kondolidasi dengan Entitas Anak. Mitigation Technique – Bank, Consolidated with Subsidiaries.

Pengungkapan Transaksi Sekuritisasi Aset Disclosure of Asset Securitization Transaction

Efek beragun aset adalah efek yang diterbitkan oleh kontrak Asset-backed securities are securities issued by the asset-backed
investasi kolektif efek beragun aset (KIK-EBA) yang portofolionya securities collective investment contract (KIK-EBA), whose portfolio
terdiri dari aset keuangan. consists of financial assets.
Pada 31 Desember 2018, Bank memiliki eskposur pada efek As per 31 December 2018, the Bank had an exposure on the asset-
beragun aset (EBA), dimana Bank bertindak sebagai pemodal. backed securities (EBA), where the Bank took action. act as a financier.
Ekaposur pada efek beragun aset (EBA) yang dimiliki dalam Exposure on asset-backed securities (EBA) held is in the forms
bentuk surat berharga jenis obligasi berkategori available for sale of bonds which are categorized as available for sale (AFS) which
(AFS) yang divaluasi/mark-to-market sesuai dengan harga (price) are valued/mark-to-market in accordance with the current price
terkini dan dibandingkan dengan current market price. Ditahun and compared to the current market price. In 2019, the Bank
2019, Bank tidak memiliki eksposur risiko sekuritisasi pada did not have risk exposure in securitization in the disclosure of
pengungkapan transaksi sekuritisasi. securitization transactions.
Risiko. Risk Exposure.
1. Tabel Pengungkapan Transaksi Sekuritisasi – Bank secara 1. Table of Disclosure of Securitization Transaction.
Individual.
2. Tabel Pengungkapan Transaksi Sekuritisasi – Bank Secara 2. Table of Disclosure of Securitization Transaction - Bank,
Konsolidasi dengan Entitas Anak. Consolidated with Subsidiaries.
Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Aset Disclosure of Summary of Asset Securitization Transaction
Pada posisi tanggal 31 Desember 2019, Bank secara individu As of 31 December 2019 position, the Bank, individually or in
maupun konsolidasi Bank tidak memiliki memiliki eksposur consolidated manner, did not have any asset securitization
sekuritisasi aset. exposures.
Pengungkapan Kuantitatif Perhitungan ATMR Risiko Kredit Disclosure of Quantitative Calculation of Credit Risk ATMR with
dengan Pendekatan Standar Standardized Approach
Berdasarkan kategori eksposur, sesuai pendekatan standar, Bank In accordance with the exposure category, as per standardized
memiliki eksposur sebagai berikut. approach, the Bank has the following exposures.
1. Pengungkapan Eksposur Aset di Neraca 1. Disclosure of Asset Exposure in the Balance Sheet
berikut dalam Lampiran Pengungkapan Kuantitatif Eksposur following information in Appendix on Quantitative Disclosure
Risiko. of Risk Exposure.
a. Tabel Pengungkapan Eksposur Aset di Neraca – Bank a. Table of Disclosure of Asset Exposure in the Balance
secara Individual. Sheet Bank, Individually.
b. Tabel Pengungkapan Eksposur Aset di Neraca – Bank b. Table of Disclosure of Asset Exposure in the Balance
secara Konsolidasi dengan Entitas Anak. Sheet – Bank, Consolidated with Subsidiaries.
2. Pengungkapan Eksposur Kewajiban Komitmen/Kontijensi 2. Disclosure of Commitment/Contingency Liabilities

pada Transaksi Rekening Administratif Exposure in Administrative Account Transactions
a. Tabel Pengungkapan Eksposur Kewajiban Komitmen/ a. Table of Disclosure of Commitment/Contingency
Kontijensi pada Transaksi Rekening Administratif – Bank Liabilities Exposure in Administrative Account
secara Individual. Transactions - Bank Individually.
b. Tabel Pengungkapan Eksposur Kewajiban Komitmen/ b. Table of Disclosure of Commitment/Contingency
Kontijensi pada Transaksi Rekening Administratif – Bank Liabilities Exposure in Administrative Account
secara Konsolidasi dengan Entitas Anak. Transactions – Bank, Consolidated with Subsidiaries.
3. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit 3. Disclosure of Exposure Rising Credit Risk Due to
Akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) Counterparty Credit Risk

a. Tabel Pengungkapan Eksposur yang Menimbulkan Risiko a. Table of Disclosure of Exposure that Causes Credit Risk due
Kredit akibat Kegagalan Pihak Lawan (Counterparty to Counterparty Credit Risk – Bank individually.
Credit Risk) – Bank secara Individual.
b. Tabel Pengungkapan Eksposur yang Menimbulkan Risiko b. Table of Disclosure of Exposure that Causes Credit Risk
Kredit akibat Kegagalan Pihak Lawan (Counterparty due to Counterparty Credit Risk – Bank in Consolidated with
Credit Risk) – Bank secara Konsolidasi dengan Entitas Subsidiaries.
Anak.
4. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit 4. Disclosure of Exposure Causing Credit Risk Due to
Akibat Kegagalan Setelmen (Settlement Risk) Settlement Risk
Bank secara individu maupun konsolidasi tidak memiliki The Bank, individually and in consolidated manner, has no
eksposur yang menimbulkan risiko kredit akibat settlement risk. exposure that may cause credit risk due to settlement risk.
5. Pengungkapan Eksposur Sekuritisasi 5. Disclosure of Securitization Exposure

a. Tabel Pengungkapan Eksposur Sekuritisasi – Bank a. Table of Disclosure of Securitization Exposure – Bank
secara Individual. Individually.
b. Tabel Pengungkapan Eksposur Sekuritisasi – Bank b. Table of Disclosure of Securitization Exposure - Bank,
secara Konsolidasi dengan Entitas Anak. Consolidated with Subsidiaries.
6. Pengungkapan Total Pengukuran Risiko Kredit di Unit Usaha 6. Disclosure of Total Credit Risk Measurement in Sharia
Syariah Business Unit
Bank secara individu maupun konsolidasi tidak memiliki The Bank, individually or on consolidated basis, has no
eksposur pada Unit Usaha Syariah. exposure to Sharia Business Unit.
7. Pengungkapan Total Pengukuran Risiko Kredit 7. Disclosure of Total Measurement of Credit Risk
a. Tabel Pengungkapan Total Pengukuran Risiko Kredit – a. Table of Disclosure of Total Credit Risk Measurement
Bank secara Individual. -Bank, Individually.
b. Tabel Pengungkapan Total Pengukuran Risiko Kredit – b. Table of Disclosure of Total Credit Risk Measurement
Bank secara Konsolidasi dengan Entitas Anak. -Bank, Consolidated with Subsidiaries.
Risiko Pasar Market Risk

Risiko pasar adalah risiko pada posisi neraca dan rekening Market Risk is a risk in balance sheet and administrative account
administratif, termasuk transaksi derivatif, akibat perubahan positions including derivative transactions, due to overall
secara keseluruhan dari kondisi pasar, termasuk risiko perubahan changes in market conditions, including the risk of changes in
harga option. Risiko pasar terdapat pada aktivitas fungsional option prices. Market risk can be found in the Bank’s functional
Bank, seperti aktivitas perdagangan (trading) valuta asing, surat activities, such as foreign exchange trading activities, securities,
berharga, derivatif, instrumen pasar uang, dan lain-lain. Risiko derivative, market money instrument, etc. Market risks include,
pasar meliputi risiko suku bunga, risiko nilai tukar, risiko risiko among others, interest rate risk, exchange rate risk, equity risk,
ekuitas, dan risiko komoditas. Risiko suku bunga, risiko nilai tukar, and commodity risk. Interest rate risk, exchange rate risk, and
dan risiko komoditas dapat berasal dari posisi trading book maupun commodity risk can originate from trading book positions or
posisi banking book, sedangkan risiko ekuitas berasal dari posisi banking book positions, while equity risk comes from trading
trading book. Risiko suku bunga pada banking book dapat timbul book positions. Interest rate risk on banking book may incur
dari perbedaan eksposur aktiva dan pasiva Bank dan pergerakan from difference in the Bank’s assets and liabilities exposure and
suku bunga yang akan mempengaruhi pendapatan dan nilai interest rate movement which can affect the Bank’s revenue and
ekonomis modal Bank. capital economical value.
Tujuan utama manajemen risiko pasar adalah untuk The main objective of market risk management is to minimize
meminimalkan kemungkinan dampak negatif akibat perubahan the possibility of negative impacts due to changes in market
kondisi pasar terhadap aset dan permodalan Bank. conditions on the Bank’s assets and capital.

Penerapan manajemen risiko pasar diantaranya pengelolaan Implementation of market risk management covers risk
risiko yang timbul dari aktivitas trading di treasury (risiko management arising out of trading activities in treasury (trading
trading book) serta risiko yang timbul dari aktivitas pada balance book risk) and risks that is incurred from the Bank’s balance
sheet Bank (khususnya risiko suku bunga pada Banking Book). sheet activities (particularly interest rate risk in Banking Book).
Penerapan manajemen risiko pasar diantaranya dilakukan melalui Implementation of market risk management is done, among
langkah berikut. others, through the following steps.
1. Pengelolaan risiko suku bunga terhadap posisi instrumen 1. Management of interest rate risk on the position of financial
keuangan dalam trading book maupun banking book. instruments in trading book and banking book.
2. Membentuk Assets and Liabilities Commmite (ALCO) dan 2. Establishing Assets and Liabilities Committee (ALCO) and
Komite Investasi yang secara berkala membahas hal-hal the Investment Committee that regularly discuss matters
terkait pengelolaan risiko pasar, baik pada posisi trading related to market risk management, both in trading book and
book maupun Banking book, agar Bank dapat melakukan Banking book positions, so that the Bank can monitor these
pemantauan terhadap risiko ini secara rutin dan/atau berkala. risks regularly and/or periodically.
3. Menerapkan prinsip segregation of duties, yaitu pemisahan 3. Applying the principle of segregation of duties, which is the
fungsi dan tanggung jawab yang terdiri dari front office, separation of functions and responsibilities consisting of
middle office, dan back office. Prinsip segregation of duties front office, middle office, and back office. The principle
yaitu memisahkan fungsi dan tanggung jawab secara of segregation of duties is to separate functions and
independen atas transaksi perdagangan dari risk taker di responsibilities independently over trade transactions from risk
unit front office (Divisi Treasury), middle office (Divisi Risk taker in front office units (Treasury Division), middle office (Risk
Management/Integrated) dan back office (settlement). Management/Integrated Division), and back office (settlement).
4. Menerapkan beberapa metode untuk memitigasi kerugian 4. Applying several methods to mitigate losses that may arise
yang dapat timbul dari risiko pasar, diantaranya melalui from market risk, such as through the establishment of limits
penetapan limit berdasarkan jenjang organisasi dan based on organizational level and policy on limit cut loss so
kebijakan mengenai limit cut loss sehingga lebih efektif dalam that it is more effective in monitoring market risk faced by the
memonitor risiko pasar yang dihadapi Bank. Bank.
5. Melakukan early warning dengan mengukur sensitivitas 5. Conduct an early warning by measuring the sensitivity of
pendapatan bunga bersih atas pergerakan suku bunga. Bank akan net interest income on interest rate movements. The Bank
terus mengembangkan dan mengkaji ulang limit-limit risiko pasar will continue to develop and review market risk limits in line
seiring dengan berkembangnya produk-produk serta aktivitas with the development of the Bank’s products and functional
fungsional Bank yang berpotensi menimbulkan risiko pasar. activities that may potentially cause market risk.
6. Melakukan stress testing guna menilai ketahanan Bank dalam 6. Conducting stress testing to assess the Bank’s resilience in
menghadapi perubahan suku bunga dan harga pasar, dengan facing extreme changes in interest rates and market prices,
skenario spesifik internal Bank maupun skenario pasar. under the Bank’s internal scenario and market scenario.
Pengelolaan Portofolio Trading Book dan Banking Book, serta Portfolio Management of Trading Book and Banking Book, and
Metodologi Valuasi yang Digunakan Valuation Methodology Used
Trading book adalah pengelolaan portofolio seluruh posisi Trading book is the portfolio management of all positions of
instrumen keuangan dalam neraca dan rekening administrative, financial instruments in the balance sheet and administrative
termasuk transaksi derivatif yang dimiliki untuk: accounts, including derivative transactions held for:
1. Tujuan diperdagangkan, dipindahtangankan dengan bebas, 1. The purpose of trade, freely transferable, or hedged as a
atau dilindung nilai secara keseluruhan, baik dari transaksi whole, either from proprietary positions transactions at the
untuk kepentingan sendiri (proprietary positions) atas request of the customer or for brokering activities and in
permintaan nasabah maupun untuk kegiatan perantaraan order to conduct market making, which includes:
(brokering) dan dalam rangka pembentukan pasar (market
making), yang meliputi:
a. Posisi yang dimiliki untuk dijual kembali dalam jangka a. Positions held for resale in the short term;
pendek;
b. Posisi yang dimiliki untuk tujuan memperoleh keuntungan b. Positions held for the purpose of obtaining shortterm
jangka pendek secara aktual dan/atau potensial dari profits in actual and/or potential of price movements;
pergerakan harga; dan and
c. Posisi yang dimiliki untuk tujuan mempertahankan c. Position held for the purpose of locking in arbitrage
keuntungan arbitrase (locking in arbitrage profits). profits.
Terkait hal tersebut, Bank melakukan pengelolaan portofolio In regard to this, the Bank manages trading book portfolio by
trading book dengan memantau limit-limit yang telah monitoring the predetermined limits, such as limit cut loss
ditetapkan, seperti limit cut loss dan stress test penurunan and stress test of the decrease of securities price to capital
harga surat berharga terhadap ketahanan modal. resilience.
2. Tujuan lindung nilai atas posisi lainnya dalam trading book. 2. The purpose of hedging on other positions in the trading book.

Banking book adalah semua posisi yang tidak termasuk dalam Banking book is all positions that are not included in the trading
trading book. Bank melakukan pengelolaan portofolio trading book. The Bank manages the portfolio of trading book and
book dan banking book berdasarkan pemenuhan/pengelolaan dari banking book based on the fulfillment/management of liquidity
risiko likuiditas dan optimalisasi idle fund. risk and idle fund optimization.
Metodologi Valuasi/mark-to-market Valuation/mark-to-market methodology

Semua outstanding portofolio yang dimiliki oleh Bank harus diukur All outstanding portfolios held by the Bank shall be measured of
nilai pasarnya (mark-to-market) sesuai dengan harga (price) yang its market value (mark-to-market) according to the prevailing
berlaku dan dibandingkan dengan current market price. price and compared to the current market price.
Mekanisme Pengukuran Risiko Pasar pada Trading Book maupun Market Risk Measurement Mechanism in Trading Book and
Banking Book Banking Book
Bank menerapkan beberapa metode dalam mitigasi kerugian yang The Bank applies several methods in mitigating loss that may
mungkin timbul dari risiko pasar. Metode tersebut diantaranya: incur from market risk. Such method among others:
1. Menetapkan limit-limit kegiatan unit bisnis untuk menjaga 1. Establishing limits in business unit’s activities to maintain
tingkat eksposur agar tetap sesuai dengan risk appetite Bank exposure level so that it will stay in-line with the Bank’s risk
dan stress test ketahanan modal terhadap pergerakan faktor appetite and stress testing on capital resilience against
pasar yang sangat signifikan; serta significant market factor movement; and
2. Mempersiapkan strategi yang diperlukan jika kondisi krisis 2. Preparing needed strategies in case of critical condition.
tersebut terjadi.
Portofolio (Trading dan Banking Book) yang Diperhitungkan The Portfolio (Trading and Banking Book) Calculated in CAR
dalam KPMM
Dalam perhitungan ATMR untuk risiko pasar, Bank mengacu In calculating RWA for market risks, the Bank refers to Financial
kepada Peraturan Otoritas Jasa Keuangan No. 34/POJK.03/2016 Services Authority Regulation No. 34/POJK.03/2016 on
tentang Perubahan Atas Peraturan Otoritas Jasa Keuangan No. Amendment to Financial Services Authority Regulation No. 11/
11/POJK.03/2016 tentang Kewajiban Penyediaan Modal Minimum POJK.03/2016 on Minimum Capital Requirement for Commercial
Bank Umum, serta Surat Edaran Otoritas Jasa Keuangan No. 38/ Bank, and Circular Letter of Financial Services Authority No. 38/
SEOJK.03/2016 tentang Pedoman Penggunaan Metode Standar SEOJK.03/2016 on Guidelines on the Use of Standardized Method
dalam Perhitungan Kewajiban Penyediaan Modal Minimum Bank in Calculating the Minimum Capital Requirement for Commercial
Umum dengan Memperhitungkan Risiko Pasar. Bank by Calculating Market Risk.
Langkah Antisipasi terhadap Risiko Pasar atas Transaksi Mata Anticipation Steps Against Market Risk on Foreign Currency
Uang Asing Transactions
Dalam mengantisipasi risiko pasar atas transaksi yang terkait dengan In anticipating market risks on transactions related to exchange
risiko nilai tukar dan suku bunga, Bank menetapkan dan melakukan rate and interest rate risks, the Bank establishes and controls
kontrol limit risiko pasar, seperti limit cut loss serta stress test. market risk limits, such as limit for cut loss and stress testing.
Terkait pengungkapan tersebut, Bank Victoria telah memuat Related to such disclosure, Bank Victoria has included the
informasi berikut dalam Lampiran Pengungkapan Kuantitatif following information in the Appendix of QuantitativeDisclosure
Eksposur Risiko yaitu Tabel Pengungkapan Risiko Pasar dengan of Risk Exposure, which is the Table of Market Risk Disclosure by
Menggunakan Metode Standar. Using Standardized Method.
Pengungkapan Informasi mengenai Interest Rate Risk in Banking Disclosure of Information on the Interest Rate Risk in Banking
Book (IRRBB) Book (IRRBB)
Bank kelompok BUKU 2 tidak diharuskan menyusun IRRBB Banks within BUKU 2 group are not required to prepare IRRBB
sesuai SEOJK No. 12/SEOJK.03/2018 tanggal 21 agustus 2018 in accordance with SEOJK No. 12/SEOJK.03/2018 dated 21
tentang Penerapan Manajemen Risiko dan Pengukuran Risiko August 2018 on the Implementation of Risk Management and
Pendekatan Standar Untuk Risiko Suku Bunga dalam Banking Risk Measurement of Standard Approach for Interest Rate Risk
Book (IRRBB) Bagi Bank Umum. Namun, Bank mengendalikan in the Banking Book (IRRBB) for Commercial Banks. However,
risiko suku bunga pada banking book dengan menggunakan the Bank controls interest rate risk in the banking book by using
analisa sensitivitas berdasarkan maturity gap yang disusun Bank sensitivity analysis based on the maturity gap prepared by the
dalam rangka pemenuhan ketentuan mengenai penilaian tingkat Bank in order to fulfill the provisions on the soundness rating of
kesehatan Bank Umum dan penerapan manajemen risiko bagi Commercial Banks and the implementation of risk management
Bank Umum. Parameter tersebut dapat memberikan indikasi at Commercial Banks. This parameter may provide an indication
atas risiko yang ada saat ini atau yang akan datang terhadap of the current or future risks to the perspective of economic value
perspektif nilai ekonomis dan perspektif pendapatan Bank yang and the Bank’s revenue perspective arising from interest rate
timbul dari pergerakan skenario suku bunga dalam kondisi shock scenario movements in a shock condition affecting the Bank’s
yang mempengaruhi posisi banking book pada Bank dan estimasi banking book position and the estimated changes in the Bank’s
perubahan neraca Bank akibat adanya perubahan suku bunga. balance sheet due to changes in interest rates.

Terkait pengungkapan, Bank Victoria telah memuat informasi Related to disclosure, Bank Victoria has included the following
berikut dalam Lampiran Pengungkapan Eksposur Risiko yang information in the Appendix on Risk Exposure Disclosure prepared
disusun Bank dalam rangka pemenuhan ketentuan mengenai by the Bank in order to comply with the provisions on the rating of
penilaian tingkat kesehatan Bank Umum dan penerapan soundness of Commercial Bank and the implementation of risk
manajemen risiko bagi Bank Umum. management for Commercial Bank.
1. Tabel Pengungkapan Eksposur Interest Rate Risk in Banking 1. Table of Disclosure of Interest Rate Risk in Banking Book
Book (IRRBB) – Bank secara Individual. (IRRBB) Exposure – Bank, Individually.
2. Tabel Pengungkapan Eksposur Interest Rate Risk in Banking 2. Table of Disclosure of Interest Rate Risk in Banking Book
Book (IRRBB) – Bank secara Konsolidasi dengan Entitas Anak. (IRRBB) Exposure – Bank, Consolidate with Subsidiaries.
Risiko Likuiditas Liquidity Risk

Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk Liquidity risk is a risk due to the Bank’s inability to meet its due
memenuhi kewajiban yang jatuh tempo dari sumber pendanaan liabilities from the funding cash flows and/or from high quality
arus kas dan/atau dari aset likuiditas berkualitas tinggi yang liquid assets that can be pledged, without disrupting the Bank’s
dapat diagunkan tanpa mengganggu aktivitas keuangan Bank. financial activity. The liquidity risk is categorized into:
Risiko likuiditas dikategorikan menjadi:
1. Risiko likuiditas pasar, yaitu risiko yang timbul karena Bank 1. Market liquidity risk, which is risk arising due to the Bank is
tidak mampu melakukan off setting posisi tertentu dengan unable to offset certain positions at market prices; and
harga pasar; dan
2. Risiko likuiditas pendanaan, yaitu risiko yang timbul karena 2. Funding Liquidity Risk is the risk arising due to the Bank is
Bank tidak mampu mencairkan asetnya atau memperoleh unable to withdraw the assets or obtain funding from other
pendanaan dari sumber dana lainnya. sources of funds.
Ketidakmampuan memperoleh sumber pendanaan arus kas dapat Inability to acquire cash flows of source of fund can cause liquidity
menimbulkan risiko likuiditas yang disebabkan oleh: risk resulting from:
1. Ketidakmampuan menghasilkan arus kas yang berasal dari 1. Inability to generate cash flows from earning assets or from
aset produktif maupun yang berasal dari penjualan aset the sale of assets including liquid assets; and
termasuk aset likuid; dan
2. Ketidakmampuan menghasilkan arus kas yang berasal dari 2. Inability to generate cash flows from fund raising, interbank
penghimpunan dana, transaksi antar Bank, dan pinjaman transactions, and loans received.
yang diterima.
Tujuan utama manajemen risiko untuk risiko likuiditas adalah The main objective of risk management for liquidity risk is to
untuk meminimalkan kemungkinan ketidakmampuan Bank dalam minimize the possibility of the Bank’s inability to obtain source of
memperoleh sumber pendanaan arus kas. fund for cash flow.
Dalam pelaksanaannya, manajemen risiko likuiditas dilakukan oleh In its implementation, liquidity risk management is performed by
Divisi Treasury yang selalu menjaga alat likuid dan sumber pendanaan the Treasury Division, which always maintains liquid tools and cash
arus kas, sedangkan fungsi dari Divisi Risk Management/Integrated flows of source of fund, while the Risk Management/Integrated
adalah melakukan pemantauan terhadap pelaksanaan manajemen Division function serves to monitor the implementation of
likuiditas yang diterapkan, diantaranya melalui pengukuran yang liquidity management, among others through measurement used
digunakan oleh Bank dalam mengelola risiko likuiditas, seperti by the Bank in managing liquidity risk, such as liquidity ratios as an
rasio-rasio likuiditas sebagai indikator peringatan dini (early early warning indicator, conducting periodic monitoring of core
warning indicator), melakukan pemantauan secara berkala terhadap deposits stability through analysis of its volatility. In addition, the
stabilitas pendanaan inti (core deposits) melalui analisa terhadap Risk Management/Integrated Division also periodically conducts
volatilitasnya. Di samping itu, Divisi Risk Management/Integrated stress testing on liquidity condition by using specific scenario or
secara berkala melakukan stress testing terhadap kondisi likuiditas market scenario to determine the Bank’s liquidity resilience.
dengan menggunakan skenario spesifik maupun skenario pasar
untuk mengetahui ketahanan likuiditas Bank.
Untuk menghadapi krisis likuiditas, Bank telah memiliki To deal with liquidity crisis, the Bank already has a Contingency
contingency funding plan (CFP) yang secara formal menetapkan Funding Plan (CFP) that formally sets out strategies to deal
strategi untuk menghadapi krisis likuiditas dan prosedur untuk with liquidity crisis and procedures to cover cash flow deficits
menutup defisit arus kas dalam situasi darurat. CFP mencakup in emergency situations. CFP includes policies, strategies,
kebijakan, strategi, prosedur dan rencana tindak (action plan) untuk procedures, and action plans to ensure the Bank’s ability to
memastikan kemampuan Bank memperoleh sumber pendanaan obtain the necessary source of fund in a timely manner and at a
yang diperlukan secara tepat waktu dan dengan biaya yang wajar. reasonable cost. The document is disseminated to the relevant
Dokumen tersebut disosialisasikan kepada unit-unit terkait agar units so that such units can understand their respective duties
dapat memahami tugas dan tanggung jawabnya masing-masing. and responsibilities.

Pengungkapan Nilai LCR (Liquidity Coverage Ratio) Disclosure of LCR (Liquidity Coverage Ratio) Value
Bank kelompok BUKU 2 tidak memiliki pengungkapan terhadap Banks within BUKU 2 group do not have disclosure on Liquidity
Liquidity Covered Ratio (LCR), sesuai Peraturan Otoritas Jasa Covered Ratio (LCR), in accordance with Financial Services Authority
Keuangan No. 42/POJK.03/2015 tentang Kewajiban Pemenuhan Regulation No. 42/POJK.03/2015 on the Obligation of Fulfillment of
Rasio Kecukupan Likuiditas bagi Bank Umum. Liquidity Adequacy Ratio (LCR) for Commercial Banks.
Risiko: Risk Exposure:
1. Tabel Pengungkapan Profil Maturitas Rupiah – Bank secara 1. Table of Disclosure of Rupiah Maturity Profile - Bank,
Individual. Individually.
2. Tabel Pengungkapan Profil Maturitas Rupiah – Bank secara 2. Table of Disclosure of Rupiah Maturity Profile - Bank,
Konsolidasi dengan Entitas Anak. Consolidated with Subsidiaries.
3. Tabel Pengungkapan Profil Maturitas Valas – Bank secara 3. Table of Disclosure of Foreign Exchange Maturity Profile -
Individual. Bank, Individually.
4. Tabel Pengungkapan Profil Maturitas Valas – Bank secara 4. Table of Disclosure of Foreign Exchange Maturity Profile -
Konsolidasi dengan Entitas Anak. Bank, Consolidated with Subsidiaries.
Risiko Operasional Operational Risk

Risiko operasional adalah risiko akibat ketidakcukupan dan/atau Operational Risk is risk due to inadequacy and/or malfunction
tidak berfungsinya proses internal, kesalahan manusia, kegagalan of internal process, human error, system failure, and/or external
sistem, dan/atau adanya kejadian-kejadian eksternal yang incidents affecting the Bank’s operations.
mempengaruhi operasional Bank.
Manajemen risiko untuk risiko operasional bertujuan untuk The main objective of operational risk management is to minimize
meminimalkan kemungkinan dampak negatif dari tidak the possible negative impacts of non-functioning internal
berfungsinya proses internal, kesalahan manusia, kegagalan processes, human errors, system failures, and/or external events.
sistem, dan/atau kejadian-kejadian eksternal.
Manajemen risiko operasional dilakukan secara konsisten Operational risk management is carried out consistently on
terhadap kerangka kerja serta dengan menentukan strategi dan framework and by determining strategies and mitigation in
mitigasi guna memperoleh keseimbangan yang optimal antara order to obtain maximum balance between operational risk
paparan risiko operasional, efektivitas mekanisme kontrol dan exposure, control mechanism effectiveness, and risk appetite
pembuatan risk appetite. establishment.
Penerapan manajemen risiko operasional banyak melibatkan The implementation of operational risk management involves
berbagai pihak dalam Bank melalui penerapan pertahanan many parties within the Bank through the implementation of
berlapis (three lines of defense) yang berfungsi sebagai berikut. three lines of defense which function as follows.
1. First line of defense merupakan unit bisnis dan unit 1. First line of defense is a business unit and supporting unit
pendukung berperan sebagai risk taker. Unit kerja terdepan that functions as risk taker. This frontline work unit is a unit
ini merupakan unit kerja yang melaksanakan pengelolaan that operates daily operational risk management in each
risiko operasional secara harian pada masing-masing work unit. Such management is implemented in order to
unit kerja. Pengelolaannya dilaksanakan dalam rangka raise awareness of each work unit on the important role of
meningkatkan kesadaran pada masing-masing unit kerja operational risk management when conducting the Bank’s
tentang peran penting pengelolaan risiko operasional pada operational activities.
saat menjalankan aktivitas operasional Bank.
2. Second line of defense yang dijalankan oleh Divisi Risk 2. Second line of defense is performed by the Risk Management/
Management/Integrated sebagai unit kerja yang melakukan Integrated Division as a work unit that performs operational
fungsi pengawasan atas risiko operasional melalui pemantauan risk control function through monitoring operational risk
indikator risiko operasional, memberikan masukan kepada unit indicators, providing input to the first line of defense units
first line of defense dalam pengelolaan risiko yang mereka lakukan, in their risk management, monitoring and submitting
memantau dan menyampaikan masalah risiko operasional kepada operational risk issues to the Risk Management Committee,
Komite Manajemen Risiko, serta memastikan pengelolaan risiko and ensuring that risk management is already in line with the
telah sesuai penerapan manajemen risiko operasional. implementation of operational risk management.
3. Divisi Audit Internal/Integrated and Anti Fraud sebagai third 3. The Internal Audit/Integrated and Anti Fraud Division is
line of defense yang akan mengevaluasi kecukupan dan the third line of defense that will evaluate the adequacy
efektivitas penerapan manajemen risiko dan pengendalian and effectiveness of risk management and internal control
internal serta meyakinkan risiko operasional telah dikelola implementation and assure that the operational risk has been
dengan baik. well managed.

Dalam pengelolaan risiko operasional, Bank juga membentuk In managing operational risk, the Bank also established
Komite Teknologi Informasi, Komite Pengadaan, Komite Produk, Information Technology Committee, Procurement Committee,
dan Komite Personalia untuk menunjang operasional Bank yang Product Committee, and Personnel Committee to support the
secara efektif dapat menekan kerugian akibat risiko operasional. Bank’s operations which can effectively reduce losses due to
Proses identifikasi dan pengukuran risiko dilakukan melalui operational risk. Risk identification and measurement process is
penerapan perangkat manajemen risiko operasional, yakni Risk performed by applying operational risk management tools, namely
Register dengan tujuan untuk mengidentifikasi risiko-risiko Risk Register aimed to identify risks in operational risk functional
pada aktivitas fungsional risiko operasional, sehingga kerugian activities so that maximum losses that may arise in the future
maksimum yang mungkin timbul di masa mendatang dapat can be minimized. Risk Register used for the implementation of
diminimalisir. Risk Register yang dipergunakan untuk pelaksanaan operational risk management is as follows.
manajemen risiko operasional sebagai berikut.
1. Risk and Control Self Assessment (RCSA) 1. Risk and Control Self Assessment (RCSA)
RCSA merupakan tools untuk mengidentifikasi dan mengukur RCSA is a tool for identifying and measuring operational risks
risiko operasional yang bersifat kualitatif dan prediktif that are qualitative and predictive using the dimensions of
dengan menggunakan dimensi dampak dan kemungkinan impact and possible events. RCSA is generally focused on
kejadian. RCSA umumnya difokuskan pada risiko-risiko risks that have an impact on the Bank’s ability to maintain its
yang memiliki dampak terhadap kemampuan Bank dalam business and operational sustainability. The risk assessment
menjaga kelangsungan bisnis dan operasional. Proses process is carried out by conducting self-assessment of risk
penilaian risiko dilakukan dengan melakukan self assessment level evaluation, including possible events, magnitude of
tentang evaluasi tingkat risiko, yang mencakup kemungkinan impacts, and control effectiveness level. Furthermore, the
kejadian, besarnya dampak, dan tingkat efektivitas control. RCSA detects the adequacy of the Bank’s internal controls
Selanjutnya, RCSA mendeteksi kecukupan internal control to prevent any deviations/failures, and to apply appropriate
Bank untuk mencegah penyimpangan/kegagalan yang operational risk controls to manage operational risk in order
terjadi, serta menerapkan pengendalian risiko operasional to stay within the operational risk tolerance level.
yang tepat untuk mengelola risiko operasional agar tetap
berada dalam tingkatan toleransi risiko operasional.
2. Key Risk Indicator (KRI) 2. Key Risk Indicator (KRI)

KRI adalah perangkat yang lazim digunakan untuk KRI is a common tool used to identify and analyze early
mengidentifikasi dan menganalisis risiko sejak dini (early warning) warning on the upward and downward movement of
atas naik-turunnya indikator-indikator tingkat risiko operasional indicators of operational risk level that is inherent in every
yang melekat pada setiap aktivitas bisnis dan operasional Bank. business activity and operation of the Bank. KRI benefits
Manfaat KRI antara lain dapat memantau dan memprediksi include monitoring and predicting operational risk exposures,
eksposur risiko operasional, serta mengidentifikasi perubahan identifying changes of operational risk profile. The main risk
profil risiko operasional. Indikator risiko utama memberikan indicators provide information on the risk of potential losses
informasi tentang risiko potensial kerugian di masa depan. in the future. Thresholds (triggers) can be defined for KRI and
Ambang batas (pemicu) dapat didefinisikan untuk KRI dan dapat can serve as indicators in an early warning system.
berfungsi sebagai indikator dalam sistem peringatan dini.
3. Loss Event Database (LED) 3. Loss Event Database (LED)

LED merupakan alat/perangkat manajemen risiko operasional LED is an operational risk management tool/instrument used
yang digunakan untuk mencatat/mengelola data kejadian yang to record/manage incident data occurred during the Bank’s
telah terjadi dalam operasional Bank. Database kerugian, baik operations. The database of losses, both potential and actual,
yang bersifat potensial maupun aktual merupakan prasyarat is an important pre-requisite in the process of formulating
penting dalam proses penyusunan model pengukuran kerugian measurement model of operational risk loss and as a tool for
risiko operasional dan sebagai alat untuk melakukan validasi validating every risk assessment or risk prediction process.
setiap proses penilaian risiko atau prediksi risiko.
Guna memitigasi risiko operasional, Bank telah melakukan In order to mitigate operational risks, the Bank has improved
peningkatan sumber daya manusia melalui pendidikan dan its human resources by carrying out sustainable education
pelatihan secara berkelanjutan. Hal tersebut bertujuan agar and training. This is intended for enhancing the employees’
kemampuan karyawan dalam melaksanakan tugas dapat ability so that they can perform their duties properly.
berjalan dengan lebih baik. Selain itu, Bank telah melakukan Further, the Bank has also evaluated and revised existing
evaluasi dan revisi atas kebijakan dan sistem prosedur yang policy and procedure system, examined access level and
sudah ada, memeriksa akses level, dan limit-limit transaksi transaction limits according to each employee’s duties and
sesuai dengan tugas dan tanggung jawab masing-masing responsibilities, developed technology information, and
karyawan, mengembangkan teknologi informasi, serta applied internal control system.
menerapkan sistem pengendalian internal.

Untuk menjaga kelangsungan bisnis terhadap peristiwa In maintaining its business continuity against undesired
yang tidak diinginkan, Bank mempunyai business continuity events, the Bank undertakes business continuity
management (BCM) dan telah melakukan pengujian minimal management (BCM) and conducts testing at least once a
sekali dalam setahun. Bank juga telah memiliki lokasi off site year. The Bank also has an off site back up location used
back up yang digunakan pada saat pengujian BCM. Dalam during the BCM test. In disaster management, the Bank has
penanggulangan bencana, Bank memilki pusat data (data data center and disaster recovery center located in 2 (two)
center) dan pusat penanggulangan bencana (disaster recovery different locations within the country. This will enable the
center) yang terdapat di 2 (dua) lokasi berbeda di dalam negeri. critical systems, including core systems, as well as payment
Hal ini akan memungkinkan sistem-sistem penting, termasuk systems and regulatory reporting systems, to keep operating
sistem inti, serta sistem pembayaran dan sistem pelaporan at times of disaster.
regulator dapat tetap berjalan jika terjadi bencana.
Dalam perhitungan ATMR untuk risiko operasional, Bank In calculating RWA for operational risks, the Bank refers to
mengacu kepada Peraturan Otoritas Jasa Keuangan No. 34/ Financial Services Authority Regulation No. 34/POJK.03/2016
POJK.03/2016 tentang Perubahan Atas Peraturan Otoritas Jasa on Minimum Capital Requirement for Commercial Bank, and
Keuangan No. 11/POJK.03/2016 tentang Kewajiban Penyediaan Circular Letter of Financial Services Authority Regulation
Modal Minimum Bank Umum dan Surat Edaran Otoritas Jasa No. 24/SEOJK.03/2016 on Calculation of Risk Weighted
Keuangan No. 24/SEOJK.03/2016 tentang Perhitungan Aset Assets (RWA) for Operational Risk by using Basic Indicator
Tertimbang Menurut Risiko untuk Risiko Operasional dengan Approach.
Menggunakan Pendekatan Indikator Dasar.
Risiko: of Risk Exposure:
1. Tabel Pengungkapan Kuantitatif Risiko Operasional – 1. Table of Disclosure of Operational Risk Quantitative -
Bank secara Individual. Bank Individually.
2. Tabel Pengungkapan Kuantitatif Risiko Operasional – 2. Table of Disclosure of Operational Risk Quantitative -
Bank secara Konsolidasi dengan Entitas Anak. Bank, Consolidated with Subsidiaries.
Risiko Hukum Legal Risk

Risiko hukum adalah risiko yang timbul akibat adanya kelemahan Legal Risk is risk caused by weakness in juridical aspect, among
aspek yuridis, antara lain yang disebabkan adanya tuntutan others caused by lawsuit, the absence of laws and regulations
hukum, ketiadaan peraturan perundang-undangan yang that support the Bank’s activities and/or products, or weaknesses
mendukung aktivitas dan/atau produk Bank atau kelemahan in agreements such as unmet requirements of a lawful contract
perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan and flaws in collateral agreement, and litigation process either
pengikatan agunan yang tidak sempurna, serta proses litigasi arising out of a claim by third party against the Bank or by the
baik yang timbul dari gugatan pihak ketiga terhadap Bank maupun Bank against third party.
Bank terhadap pihak ketiga.
Tujuan utama manajemen risiko untuk risiko hukum adalah The main objective of risk management for legal risk is to ensure
untuk memastikan bahwa proses manajemen risiko dapat that the risk management process minimizes the possibility of
meminimalkan kemungkinan dampak negatif dari kelemahan negative impact from weakness of juridical aspects, the absence
aspek yuridis, ketiadaan dan/atau perubahan peraturan of and/or amendment to laws and regulations and litigation
perundang-undangan, dan proses litigasi. process.
Secara umum, Bank memiliki satuan kerja hukum, yaitu Divisi In general, the Bank has a legal work unit, namely the Corporate
Corporate Legal dan Credit Legal sebagai unit yang mendukung Legal and Credit Legal Division as a unit that supports and
dan memastikan penerapan manajemen risiko hukum secara ensures effective implementation of legal risk management.
efektif. Divisi Corporate Legal berperan sebagai legal advisor dan The Corporate Legal Division acts as a legal advisor and provides
memberikan opini terkait aktivitas dan/atau produk baru yang opinions regarding new activity and/or product to be offered by
akan ditawarkan Bank. Sedangkan, Credit Legal membantu unit the Bank, Meanwhile, Credit Legal helps business unit and verifies
bisnis dan memverifikasi dokumen-dokumen yang berkaitan documents related to agreements between the Bank and its
dengan perjanjian antara Bank dan nasabahnya dan memastikan customers and ensures that the documents are in accordance
dokumen-dokumen tersebut telah sesuai peraturan yang berlaku. with the applicable regulations.
Berikut langkah yang dilakukan dalam upaya mitigasi risiko hukum: Below are measures taken in the effort to mitigate legal risk:
1. Melakukan standarisasi dokumen hukum terkait produk 1. Standardizing the legal documents related to banking
atau fasilitas perbankan yang ditawarkan oleh Bank kepada products or facilities offered by the Bank to the public
masyarakat. Dokumen tersebut dibuat dengan mengacu which will be made in accordance with the prevailing laws

kepada ketentuan peraturan perundangan yang berlaku, and regulations and taking into account the Bank’s juridical
serta memperhatikan kepentingan aspek yuridis dari Bank; aspect;
2. Memberikan opini hukum atas aktivitas dan/atau produk baru 2. Providing legal opinion on new activities and/ or products to
yang akan diluncurkan; be launched;
3. Memantau perkembangan kasus-kasus hukum yang terjadi 3. Monitoring the progress of legal cases and paying special
dan memberikan perhatian khusus atas kasus hukum yang attention to legal cases having the potential to cause loss;
berpotensi menimbulkan kerugian;
4. Memberikan informasi dan pengetahuan hukum kepada unit- 4. Providing legal information and knowledge to relevant units;
unit terkait;
5. Melakukan evaluasi atas dokumen-dokumen atau perjanjian- 5. Evaluating documents or agreements to safeguard the legal
perjanjian guna mengamankan kepentingan hukum Bank; interests of the Bank;
6. Meningkatkan kemampuan dan pengetahuan sumber daya 6. Improve the capabilities and knowledge of human resources,
manusia, serta pengkajian atas perkara litigasi yang telah terjadi. as well as assessment of the litigation cases occurred.
Risiko Strategis Strategic Risk

Risiko strategis adalah risiko akibat ketidaktepatan dalam Strategic Risk is a risk due to incorrectness in making and/or
pengambilan dan/atau pelaksanaan suatu keputusan strategis implementing a strategic decision, as well as failure in anticipating
serta kegagalan dalam mengantisipasi perubahan lingkungan changes in the business environment.
bisnis.
Tujuan utama manajemen risiko untuk risiko strategis adalah The main purpose of risk management for strategic risk is to
untuk memastikan bahwa proses manajemen risiko dapat ensure that the risk management process can minimize the
meminimalkan kemungkinan dampak negatif dari ketidaktepatan potential negative impact of inaccuracy of strategic decision
pengambilan keputusan strategis dan kegagalan dalam making and failure in anticipating changes in the business
mengantisipasi perubahan lingkungan bisnis. environment.
Penerapan manajemen risiko untuk risiko strategis disesuaikan The implementation of risk management for strategic risk is
dengan ukuran dan kompleksitas usaha Bank. Penyusunan adjusted to the Bank’s business size and complexity. Preparation
strategi Bank dilakukan melalui diskusi, perumusan rencana, of Bank’s strategies is conducted through discussion, plan
dan strategi bisnis yang melibatkan jajaran manajemen dan formulation, and business strategy that involve the management
dituangkan dalam rencana bisnis Bank. Kebijakan umum ranks and are outlined in the Bank’s business plan. The general
atau arahan strategis yang dirumuskan Bank dilakukan dalam policy or strategic direction formulated by the Bank is conducted
perspektif jangka pendek maupun jangka menengah dan dikaji in short-term and medium-term perspectives, which are reviewed
ulang secara berkala minimal setahun sekali. periodically at least once a year.
Evaluasi kinerja bisnis dilakukan dari waktu ke waktu disesuaikan Business performance is evaluated from time to time as adjusted
dengan perubahan internal dan eksternal Bank untuk memperkecil to the Bank’s internal and external changes to minimize the
risiko strategis Bank. Dalam praktiknya, Manajemen Risiko Strategis Bank’s strategic risks. In practice, Strategic Risk Management is
dilakukan oleh Divisi Finance and Accounting dan bekerja sama performed by the Finance and Accounting Division, cooperates
dengan unit terkait lainnya serta berada di bawah pengawasan aktif with other related units, as well as under active supervision by
Manajemen Bank. Selain itu, Bank memiliki sistem pengendalian the Bank’s Management. Furthermore, the Bank has an internal
internal untuk manajemen risiko strategis, meliputi pengawasan control system for the strategic risk management that covers the
secara berkala atas kinerja Bank yang berdampak pada pendapatan regular monitoring of the Bank’s performance that impacts on
usaha dan budaya pengendalian risiko strategis yang melibatkan business revenues and a strategic risk control culture involving all
seluruh lini bisnis Bank. of the Bank’s business lines.
Dalam proses manajemen risiko strategis, pihak manajemen In strategic risk management process, the Management gives
memberikan perhatian penuh terhadap toleransi penyimpangan full attention on the tolerance of deviation and monitors and
serta monitoring dan evaluasi atas pencapaian kinerja keuangan evaluates the financial performance achievement and other
maupun kinerja lainnya untuk disampaikan dalam rapat Direksi yang performances to be delivered in the Board of Directors meetings
dilaksanakan secara berkala atau antara Dewan Komisaris dengan held periodically or joint meetings of Board of Commissioners and
Direksi. Sedangkan, upaya mitigasi risiko strategis dilakukan dengan Board of Directors. Whereas, strategic risk mitigation efforts are
menyampaikan isu-isu strategis yang timbul akibat perubahan performed by informing strategic issues arising from changes in
operasional dan lingkungan bisnis yang memiliki dampak buruk operational and business environment that have adverse impacts
terhadap kondisi usaha atau kondisi keuangan Bank secara tepat on the Bank’s business conditions or financial condition to the
waktu kepada pihak manajemen, disertai analisa dampak terhadap Management in a timely manner, along with the impact analysis on
risiko strategis dan tindakan perbaikan/korektif yang diperlukan. the strategic risk and corrective/improvement actions required.

Risiko Kepatuhan Compliance Risk

Risiko kepatuhan adalah risiko akibat Bank tidak mematuhi Compliance risk is a risk due to the Bank’s failure to comply with
dan/atau tidak melaksanakan peraturan perundang-undangan and/or enforce the applicable laws and regulations. Failure to
dan ketentuan yang berlaku. Kegagalan dalam mengelola risiko manage compliance risk may cause the Bank to be subject to
kepatuhan tersebut dapat menyebabkan Bank terkena sanksi dan sanctions and penalties from the regulator, therefore affecting
denda dari regulator serta berdampak terhadap kelangsungan the Bank’s business continuity and governance.
usaha Bank, sehingga dapat mempengaruhi tata kelola Bank
.
Risiko kepatuhan dapat bersumber dari perilaku hukum, yaitu Compliance risk may arise from legal behavior, which is the Bank’s
perilaku atau aktivitas Bank yang menyimpang atau melanggar dari behavior/activity that deviates or violates the provisions and/or
ketentuan dan/atau peraturan perundang-undangan serta perilaku laws and regulations, as well as organizational behavior, which
organisasi, yaitu perilaku atau aktivitas Bank yang menyimpang is the Bank’s behavior/activity that deviates or in contrary to the
atau bertentangan dari standar yang berlaku secara umum. generally accepted standards.
Tujuan utama manajemen risiko untuk risiko kepatuhan adalah The main objective of risk management for compliance risk is
untuk memastikan bahwa proses manajemen risiko dapat to ensure that the risk management process can minimize the
meminimalkan kemungkinan dampak negatif dari perilaku Bank possibility of negative impacts from the Bank’s behavior that
yang menyimpang atau melanggar standar yang berlaku secara deviates or violates the generally accepted standards, provision,
umum, ketentuan, dan/atau peraturan perundang-undangan. and/or laws and regulations.
Bank senantiasa menumbuhkan dan mewujudkan terlaksananya The Bank continually fosters and realizes the implementation
budaya kepatuhan pada semua tingkatan organisasi dan kegiatan of compliance culture at all levels of the Bank’s organization and
usaha Bank, serta memastikan efektivitas fungsi kepatuhan business activities, as well as ensures the effectiveness of the
Bank. Oleh sebab itu, Divisi Compliance, AML/Integrated and Bank’s compliance function. Thus, Compliance, AML/Integrated and
System Procedure perlu memastikan kepatuhan Bank, serta System Procedure Division needs to ensure the Bank’s compliance
bertanggung jawab terhadap penerapan Program Anti Pencucian and is also responsible for the implementation of Anti Money
Uang dan Pencegahan Pendanaan Terorisme (APU dan PPT) di Laundering and Counter-Terrorism Financing Program (AML and
Bank dan sistem prosedur. Dalam praktiknya, Bank didukung oleh CTF) in the Bank and system of procedures. In practice, the Bank
komite eksekutif yaitu Komite Pemantauan dan Pelaksanaan GCG is supported by executive committee, namely GCG Monitoring and
untuk mendukung efektivitas kepatuhan. Implementation Committee, to support compliance effectiveness.
Wujud penerapan manajemen risiko kepatuhan antara lain The implementation of compliance risk management, among
dengan: others, is by:
1. Mewujudkan terlaksananya budaya kepatuhan pada seluruh 1. Achieving the implementation of compliance culture to all
kegiatan usaha Bank di setiap jenjang organisasi, antara lain of the Bank’s business activities at every organizational
melalui pelaksanaan sosialisasi atas ketentuan dan aturan level, through the implementation of dissemination on the
yang berlaku, serta memberikan masukan dan saran kepada prevailing rules and regulations, and providing input and
unit-unit lain untuk memastikan kepatuhan Bank; advice to other units to ensure the Bank’s compliance;
2. Menilai dan mengevaluasi kecukupan, dan kesesuaian 2. Assessing and evaluating the adequacy and conformity of the
kebijakan, ketentuan, sistem maupun prosedur yang dimiliki Bank’s policies, regulations, systems, and procedures against
oleh Bank dengan ketentuan dan peraturan yang berlaku; the applicable provisions and regulations;
3. Memantau atas pelaksanaan prinsip kehati-hatian Bank; 3. Monitoring the implementation of the Bank’s prudential
principles;
4. Mengelola risiko kepatuhan, selain dilakukan melalui uji 4. Compliance risk management, in addition to conducting
kepatuhan, juga dilakukan melalui pemantauan terhadap compliance tests, is also conducted through monitoring on
pemenuhan komitmen Bank kepada regulator, baik the Bank’s commitment to the regulator, either based on
berdasarkan hasil pemeriksaan regulator maupun melalui regulatory examination results or through correspondence
korespondensi antara Bank dengan regulator; dan between the Bank and the regulator.
5. Penerapan APU & PPT di perbankan yang terdiri dari 5 (lima) 5. Implementation of AML & CFT in banking consists of 5 (five)
prinsip utama yaitu: main principles, which are:
a. Pengawasan Aktif Dewan Komisaris dan Direksi; a. Active Monitoring of the Board of Commissioners &
Board of Directors;
b. Kebijakan dan Prosedur; b. Policies and Procedures;
c. Pengendalian Internal; c. Internal Control;
d. Sistem Informasi Manajemen; dan d. Management Information System; and
e. Sumber Daya Manusia dan Pelatihan. e. Human Resources and Training.

Risiko Reputasi Reputation Risks

Risiko reputasi adalah risiko yang timbul akibat menurunnya Reputation risk is a risk occurred as a result of a decrease of
tingkat kepercayaan pemangku kepentingan (stakeholder) yang stakeholders’ trust level because of negative perceptions of
bersumber dari persepsi negatif terhadap Bank, antara lain the Bank, among others, due to negative publicity of the Bank’s
publikasi negatif atas operasional Bank, pelanggaran etika bisnis, operations, violations of business ethics, customer complaints,
keluhan nasabah, kelemahan tata kelola dan kejadian lainnya yang governance weakness, and other incidents that can result in a
dapat mengakibatkan penurunan citra Bank. Manajemen risiko decrease image of the Bank. Management of reputation risk is
reputasi dilakukan dengan tujuan utama untuk mengantisipasi performed with the main objective to anticipate and minimize the
dan meminimalkan dampak kerugian dari risiko reputasi Bank. impact of loss from the Bank’s reputation risk.
Tujuan utama manajemen risiko untuk risiko reputasi adalah The main objective of risk management for reputation risk is to
untuk mengantisipasi dan meminimalkan dampak kerugian dari anticipate and minimize the impact of losses from the Bank’s
risiko reputasi Bank. reputation risk.
Risiko reputasi dikelola oleh Divisi Corporate Secretary dan Unit Reputation risk is managed by the Corporate Secretary Division
Customer Complaint. Pengelolaan risiko reputasi dilakukan and Customer Complaint Unit. The management of reputation
melalui: risk, among others, is done through:
1. Pemantauan terhadap setiap pemberitaan/publikasi negatif 1. Monitoring every negative news/publication (bad media
(bad media report) atau keluhan nasabah yang beredar di report) or customer complaints circulating in the media,
media, monitoring atas keluhan nasabah yang disampaikan monitoring customer complaints that are submitted directly
langsung ke Bank dan tindak lanjutnya; dan to the Bank and their follow-ups; and
2. Dalam hal terdapat pemberitaan negatif yang berpotensi 2. In the event that there is negative reporting that may
menimbulkan risiko reputasi, Bank secara proaktif mencari potentially rise reputation risk, the Bank will proactively seek
informasi serta melakukan langkah yang diperlukan untuk information and take the necessary steps to obtain the best
memperoleh solusi terbaik. solution.
Selain itu, Bank juga membentuk layanan contact center yang In addition, the Bank has also established a contact center
secara khusus menangani keluhan nasabah melalui layanan service that specifically handles customer complaints through
telepon 24 jam dan melakukan monitoring atas keluhan nasabah 24-hour telephone service and monitors customer complaints
serta tindak lanjutnya. and their follow-up.
Pengungkapan Kuantitatif Permodalan Quantitative Disclosure of Capital and

dan Eksposur Risiko Risk Exposure
Rincian terkait daftar lampiran pengungkapan kuantitatif The details of the attachment list of quantitative disclosure
permodalan dan eksposur risiko di Bank Victoria disampaikan of capital and risk exposure at Bank Victoria are shown in the
dalam indeks tabel berikut. following table index.
Keterangan Halaman
Status
Description Page
Tabel Pengungkapan Kuantitatif Struktur Permodalan Bank Victoria
√ 642
Table of Quantitative Disclosure of Capital Structure of Bank Victoria Capital Structure
Tabel 1.1. Pengungkapan Tagihan Bersih Berdasarkan Wilayah – Bank secara Individual
√ 654
Table 1.1. of Disclosure of Net Receivables By Area – Bank, Individually
Tabel 1.2. Pengungkapan Tagihan Bersih Berdasarkan Wilayah – Bank secara Konsolidasi dengan Entitas Anak
√ 646
Table 1.2. of Disclosure of Net Receivables By Area - Bank, Consolidated with Subsidiaries
Tabel 2.1. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
√ 647
Table 2.1. of Disclosure of Net Receivables By Remaining Contract Period – Bank, Individually
Tabel 2.2. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Konsolidasi dengan Entitas Anak
√ 648
Table 2.2. of Disclosure of Net Receivables By Remaining Contract Period – Bank, Consolidated with Subsidiaries
Tabel 3.1. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi – Bank secara Individual
√ 649
Table 3.1. of Disclosure of Net Receivables By Economic Sector – Bank, Individually
Tabel 3.2. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi – Bank secara Konsolidasi dengan Entitas Anak
√ 651
Table 3.2. of Disclosure of Net Receivables By Economic Sector - Bank, Consolidated with Subsidiaries
Tabel 4.1. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah – Bank secara Individual
√ 653
Table 4.1. of Disclosure of Receivables and Allowances By Area – Bank, Individually
Tabel 4.2. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah – Bank secara Konsolidasi dengan Entitas Anak
√ 653
Table 4.2. of Disclosure of Receivables and Allowances By Area - Bank, Consolidated with Subsidiaries

Keterangan Halaman
Status
Description Page
Tabel 5.1. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi – Bank secara Individual
√ 654
Table 5.1. of Disclosure of Receivables and Allowances By Economic Sector – Bank, Individually
Tabel 5.2. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi – Bank secara Konsolidasi dengan Entitas Anak
√ 656
Table 5.2. of Disclosure of Receivables and Allowances By Economic Sector - Bank, Consolidated with Subsidiaries
Tabel 6.1. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai – Bank secara Individual
√ 658
Table 6.1. of Disclosure of Detailed Changes in Allowances for Impairment Losses – Bank, Individually
Tabel 6.2. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai – Bank secara Konsolidasi dengan Entitas Anak
√ 658
Table 6.2. of Disclosure of Detailed Changes in Allowances for Impairment Losses – Bank, Consolidated with Subsidiaries
Tabel 7.1. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat – Bank secara Individual
√ 659
Table 7.1. of Disclosure of Net Receivables By Portfolio Category and Rating Scale – Bank, Individually
Tabel 7.2. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat – Bank secara Konsolidasi
dengan Entitas Anak √ 661
Table 7.2. of Disclosure of Net Receivables By Portfolio Category and Rating Scale – Bank, Consolidated with Subsidiaries
Tabel 8.1 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara individual
√ 663
Table 8.1 Disclosure of Counterparty Credit Risk: Reverse Repo Transaction - Bank, Individually
Tabel 8.2 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Konsolidasi dengan Entitas Anak
√ 663
Table 8.1 Disclosure of Counterparty Credit Risk: Reverse Repo Transaction - Bank, Consolidated with Subsidiaries
Tabel 9.1. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
– Bank secara Individual √ 664
Table 9.1. of Disclosure of Net Receivables By Risk Weight After Calculating Credit Risk Mitigation Impact – Bank, Individually
Tabel 9.2. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
– Bank secara Konsolidasi dengan Entitas Anak
√ 667
Table 9.2. of Disclosure of Net Receivables By Risk Weight After Calculating Credit Risk Mitigation Impact – Bank,
Consolidated with Subsidiaries
Tabel 10.1. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank Secara Individual
√ 670
Table 10.1. of Disclosure of Net Receivables and Credit Risk Mitigation Technique – Bank, Individually
Tabel 10.2. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Entitas Anak
√ 673
Table 10.2. of Disclosure of Net Receivables and Credit Risk Mitigation Technique – Bank, Consolidated with Subsidiaries
Tabel 11.1. Pengungkapan Transaksi Sekuritisasi - Bank secara Individual

√ 676
Table 11.1. of Disclosure of Securitization Exposure - Bank, Individually
Tabel 11.2. Pengungkapan Transaksi Sekuritisasi - Bank Secara Konsolidasi dengan Entitas Anak
√ 677
Table 11.2. of Disclosure of Securitization Transaction - Bank, Consolidated with Subsidiaries
Tabel 13.1. Perhitungan ATMR Risiko Kredit Pendekatan Standar – Bank secara Individual
√ 678
Table 13.1. of Calculation of RWA of Credit Risks by Standardized Approach – Bank, Individually
Tabel 13.1.a. Pengungkapan Eksposur Aset di Neraca

√ 678
Table 13.1.a. of Disclosure of Asset Exposure in the Balance Sheet
Tabel 13.1.b. Pengungkapan Eksposur Kewajiban Komitmen Kontinjensi pada Transaksi Rekening Administratif
√ 679
Table 13.1.b. of Disclosure of Commitment Contingency Liabilities Exposure in Administrative Account Transactions
Tabel 13.1.c. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
√ 680
Table 13.1.c. of Disclosure of Exposure Rising Credit Risk Due to Counterparty Credit Risk
Tabel 13.1.d. Pengungkapan Eksposur Sekuritisasi

√ 680
Table 13.1.d. of Disclosure of Securitization Exposure
Tabel 13.1.e. Pengungkapan Total Pengukuran Risiko Kredit

√ 681
Table 13.1.e. of Disclosure of Total Credit Risk Measurement

Keterangan Halaman
Status
Description Page
Tabel 13.2. Perhitungan ATMR Risiko Kredit Pendekatan Standar – Bank secara Konsolidasi dengan Entitas Anak
√ 681
Table 13.2. of Calculation of RWA of Credit Risks by Standardized Approach – Bank, Consolidated with Subsidiaries

√ 681
Table 13.2.a. of Disclosure of Asset Exposure in the Balance Sheet
√ 682
Table 13.2.b. of Disclosure of Commitment Contingency Liabilities Exposure in Administrative Account Transactions
√ 682
Table 13.2.c. of Disclosure of Exposure Rising Credit Risk Due to Counterparty Credit Risk

√ 683
Table 13.2.d. of Disclosure of Securitization Exposure

√ 683
Table 13.2.e. of Disclosure of Total Credit Risk Measurement
Tabel 14. Pengungkapan Risiko Pasar

√ 684
Table 14. of Disclosure of Market Risk
Tabel 14.1. Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar - Bank secara individual dan secara
Konsolidasi dengan Entitas Anak √ 684
Table 14.1. of Disclosure of Market Risk Using Standardized Method – Bank, Consolidate with Subsidiaries
Tabel 14.2. Pengungkapan Eksposur Interest Rate Risk in Banking Book (IRRBB)
√ 685
Table 14.2. of Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposure
Tabel 14.2.a. Pengungkapan Eksposur Interest Rate Risk in Banking Book (IRRBB) - Bank secara Individual
√ 685
Table 14.2.a. of Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposure – Bank, Individually
Tabel 14.2.b. Pengungkapan Eksposur Interest Rate Risk in Banking Book (IRRBB) - Bank secara Konsolidasi dengan
Entitas Anak
√ 686
Table 14.2.b. of Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposure – Bank, Consolidate with
Subsidiaries
Tabel 15 Pengungkapan Risiko Likuiditas

√ 687
Table 15 of Disclosure of Liquidity Risk
Tabel 15.1 Pengungkapan Profil Maturitas Rupiah dan Valuta Asing - Bank secara Individual
√ 687
Table 15.1 of Disclosure of Foreign Exchange Maturity Profile - Bank, Individually
Tabel 15.1.a. Pengungkapan Profil Maturitas Rupiah

√ 687
Table 15.1.a. of Disclosure of Rupiah Maturity Profile
Tabel 15.1.b. Pengungkapan Profil Maturitas Valas

√ 689
Table 15.1.b. of Disclosure of Foreign Exchange Maturity Profile
Tabel 15.2 Pengungkapan Profil Maturitas Rupiah dan Valuta Asing - Bank secara Konsolidasi dengan Entitas Anak
√ 691
Table 15.2 of Disclosure of Foreign Exchange Maturity Profile - Bank, Consolidated with Subsidiaries

√ 691
Table 15.2.a. of Disclosure of Rupiah Maturity Profile
Tabel 15.2.b. Pengungkapan Profil Maturitas Valas - Bank secara Konsolidasi dengan Perusahaan Anak
√ 693
Table 15.2.b. of Disclosure of Foreign Exchange Maturity Profile - Bank, Consolidated with Subsidiaries
Tabel 16 Pengungkapan Risiko Operasional

√ 695
Table 16 of Disclosure of Operational Risk
Tabel 16.1 Pengungkapan Kuantitatif Risiko Operasional – Bank secara Individual

√ 695
Table 16.1 of Disclosure of Operational Risk Quantitative - Bank Individually
Tabel 16.2 Pengungkapan Kuantitatif Risiko Operasional – Bank secara Konsolidasi dengan Perusahaan Anak
√ 695
Table 16.2 of Disclosure of Operational Risk Quantitative - Bank, Consolidated with Subsidiaries

Tabel Pengungkapan Kuantitatif Struktur Permodalan Bank Victoria
Table of Quantitative Disclosure of Bank Victoria Capital Structure (dalam juta Rp / in million Rp)
31 Desember 2019 31 Desember 2018

31 December 2019 31 December 2018
KonsoIidasi KonsoIidasi
Bank Bank
Consolidated Consolidated
Kilas Kinerja
I MODAL INTI (Tier 1) 2,309,345 2,626,590 2,316,944 2,572,774 I Core Tier I Capital
1. Modal Inti Utama (CET 1) 2,309,345 2,626,590 2,316,944 2,572,774 Core Tier Capita (CET 1)
1.1 Modal Disetor (Setelah Dikurangi Saham Treasury) 895,195 895,195 601,962 601,962 1.1 Paid In Capital (After Deducted by Treasury Stock)
1.2 Cadangan Tambahan Modal (Disclosed Reserves) 1,915,034 1,901,282 2,175,486 2,152,411 1.2 Disclosed Reserves
1.2.1 Faktor Penambah 2,089,026 2,085,900 2,249,479 2,249,448 1.2.1 Additional Factors
1.2.1.1 Pendapatan Komprehensif Lainnya 372,932 369,836 355,458 355,458 1.2.1.1 Other Comprehensive Income
Positive translation adjustment of financial

1.2.1.1.1 Selisih lebih penjabaran laporan keuangan - - - - 1.2.1.1.1
statement
Potensi keuntungan dari peningkatan nilai wajar aset Potential benefit from financial assets fair value
1.2.1.1.2 33,596 30,500 - - 1.2.1.1.2
keuangan dalam kelompok tersedia untuk dijual increase in groups available for sale
1.2.1.1.3 Saldo surplus revaluasi aset tetap 339,336 339,336 355,458 355,458 1.2.1.1.3 Surplus balance of fixed assets revaluation
1.2.1.2 Cadangan tambahan modal lainnya

Laporan Manajemen
Management Report
1,716,094 1,716,064 1,894,021 1,893,990 1.2.1.2 Other disclosed reserves

(other disclosed reserves)
PT BANK VICTORIA INTERNATIONAL TBK

1.2.1.2.1 Agio 282,775 282,775 211,681 211,681 1.2.1.2.1 Agio
1.2.1.2.2 Cadangan umum 177,200 186,356 166,000 175,156 1.2.1.2.2 Reserve
1.2.1.2.3 Laba tahun-tahun lalu 1,256,119 1,246,933 1,172,101 1,162,928 1.2.1.2.3 Previous years profit
642
1.2.1.2.4 Laba tahun berjalan 79,096 79,082 1.2.1.2.4 Current year profit
1.2.1.2.5 Dana setoran modal - - 265,143 265,143 1.2.1.2.5 Capital fund
1.2.1.2.6 Lainnya - - - - 1.2.1.2.6 Others
1.2.2 Faktor Pengurang 173,992 184,618 73,993 97,037 1.2.2 Deduction Factors
1.2.2.1 Pendapatan Komprehensif Lainnya - - 42,765 58,235 1.2.2.1 Other Comprehensive Income
Company Profile
Profil Perusahaan
Positive translation adjustment of financial

1.2.2.1.1 Selisih lebih penjabaran laporan keuangan - - - - 1.2.1.1.1
statement
Potensi kerugian dari penurunan nilai wajar aset Potential losses from financial assets fair value
LAPORAN TAHUNAN 2019

1.2.2.1.2 - - 42,765 58,235 1.2.2.1.2
keuangan dalam kelompok tersedia untuk dijual increase in groups available for sale
1.2.2.2 Cadangan tambahan modal lainnya (other disclosed reserves) 173,992 184,618 31,228 38,802 1.2.2.2 Other disclosed reserves
1.2.2.2.1 Disagio - - - - 1.2.2.2.1 Disagio
1.2.2.2.2 Rugi-rugi tahun lalu - - - - 1.2.2.2.2 Previous years loss
1.2.2.2.3 Rugi-rugi tahun berjalan 13,780 13,765 - - 1.2.2.2.3 Current year loss
Selisih kurang antara Penyisihan Penghapusan Aset

Negative differences between regulatory
1.2.2.2.4 (PPA) dan Cadangan Kerugian Penurunan Nilai (CKPN) - - - - 1.2.2.2.4
provision and impairment of earning assets
atas aset produktif
Selisih kurang jumlah penyesuaian nilai wajar dari Negative differences on adjustment of fair
1.2.2.2.5 - - - - 1.2.2.2.5
instrumen keuangan dalam trading book value on financial instrument in the trading book
Non productive assets regulatory provision that

1.2.2.2.6 PPA aset non produktif yang wajib dibentuk 160,212 170,853 31,228 38,802 1.2.2.2.6
should be maintained
1.2.2.2.7 Lainnya - - - - 1.2.2.2.7 Others

Management Discourse and Analysis
Analisis dan Pembahasan Manajemen
KonsoIidasi KonsoIidasi
Bank Bank
Consolidated Consolidated
1.3 Kepentingan Non Pengendali yang Dapat Diperhitungkan - 17 - 16 1.3 Minority Interest that can be calculated into capital
1.4 Faktor Pengurang Modal Inti Utama 500,884 169,904 460,504 181,615 1.4 Deduction of Core Tier I Capital
1.4.1 Perhitungan pajak tangguhan 142,319 162,298 151,911 172,902 1.4.1 Deferred tax calculation
Aspek Pendukung Bisnis
1.4.2 Goodwill - - - - 1.4.2 Goodwill
1.4.3 Seluruh aset tidak berwujud lainnya 5,266 7,546 6,208 8,653 1.4.3 Other intangible assets
1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang 353,299 60 302,385 60 1.4.4 Investment calculated as deduction factor
1.4.5 Kekurangan modal pada perusahaan anak asuransi - - - - 1.4.5 Shortfall on the capital of insurance subsidiary
1.4.6 Eksposur sekuritisasi - - - - 1.4.6 Securities Exposure
1.4.7 Faktor pengurang modal inti lainnya - - - - 1.4.7 Deduction Factor for Tier 1 Capital
Fund placement on AT 1 and/or Tier 2 instruments

1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - - 1.4.7.1
in other bank
Kepemilikan silang pada entitas lain yang diperoleh berdasarkan Cross ownership in other entities obtained based
1.4.7.2 - - - - 1.4.7.2
peralihan karena hukum, hibah, atau hibah wasiat on the transition due to law, grant, or will
Tata Kelola Perusahaan
2. Modal Inti Tambahan (AT-1) - - - - 2. Additional Tier I Capital
2.1 Instrumen yang memenuhi persyaratan AT-1 - - - - 2.1 Instruments supplement AT-1 requirement

2.2 Agio/Disagio - - - - 2.2 Agio/Disagio
2.3 Deduction Factor : Investment on AT1 and Tier 2

2.3 Faktor pengurang modal inti tambahan - - - -
instruments in other bank
643
2.3.1 Penempatan dana pada instrumen AT 1 dan / atau Tier 2 pada bank lain - - - - 2.3.1 Fund placement on AT 1 and/or Tier 2 instruments on other bank
Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan Cross shareholding on other entities obtained due to transfer of legal,
2.3.2 - - - - 2.3.2
karena hukum, hibah, atau hibah wasiat goodwill, or encumbrance
II MODAL PELENGKAP (Tier 2) 999,275 1,001,477 698,915 705,917 II Tier II Capital
1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 820,000 820,000 510,000 510,000 1 Capital form in the form of shares or other meet the Tier 2 requirement
2 Agio/Disagio - - - - 2 Agio/Disagio
Corporate Social Responsibility
PPA general reserves on productive assets which aremandatory calculated by the

Tanggung Jawab Sosial Perusahaan
Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi sebesar 1,25%
3 179,634 181,477 188,915 195,917 3 highest amount of 1.25% (one point twenty five percent) of Risk Weighted Assets
dari ATMR untuk risiko kredit)
2019 ANNUAL REPORT

(RWA) for credit risk
4 Faktor Pengurang Modal Pelengkap - - - - 4 Spesific reserves
4.1 Sinking Fund - - - - 4.1 Sinking Fund
4.2 Penempatan dana pada instrumen Tier 2 pada Bank lain - - - - 4.2 Investment of Tier 2 Instrument in other Bank
Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan Cross shareholding on other entities obtained due to transfer of legal,
4.3 - - - - 4.3
karena hukum, hibah, atau hibah wasiat. goodwill, or encumbrance
TOTAL MODAL 3,308,620 3,628,067 3,015,859 3,278,691 Total CAPITAL

Capital Structure and Risk Management Practices
31 Desember 2019 31 Desember 2018 31 Desember 2019 31 Desember 2018
Keterangan 31 December 2019 31 December 2018 Keterangan 31 December 2019 31 December 2018
Description KonsoIidasi KonsoIidasi Description KonsoIidasi KonsoIidasi
Bank Bank Bank Bank
Consolidated Consolidated Consolidated Consolidated
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
RISK WEIGHTED ASSETS KPMM Ratio
ATMR RISIKO KREDIT
Kilas Kinerja
17,438,881 18,654,742 16,738,764 18,197,050 Ratio CET 1 (%) 12.07% 12.84% 12.85% 13.15%
RWA FOR CREDIT
ATMR RISIKO PASAR

505,028 505,028 263,683 263,683 Ratio Tier 1 (%) 12.07% 12.84% 12.85% 13.15%
RWA FOR MARKET RISK
ATMR RISIKO OPERASIONAL

1,190,926 1,294,885 1,024,619 1,110,702 Ratio Tier 2 (%) 5.22% 4.90% 3.88% 3.61%
RWA FOR OPERATIONAL RISK
TOTAL ATMR
19,134,835 20,454,655 18,027,066 19,571,435 Total Ratio (%) 17.29% 17.74% 16.73% 16.75%
TOTAL OF RISK WEIGHTED ASSETS
RASIO KPMM SESUAI PROFIL RISIKO CET 1 untuk BUFFER (%)
9.99 9.99 9.99 9.99 6.07 6.70
CAR IN ACCORDANCE WITH RISK PROFILE CET 1 for BUFFER (%)
ALOKASI PEMENUHAN KPMM PERSENTASE BUFFER YANG WAJIB DIPENUHI OLEH BANK
ALLOCATION IN CAR FULFILLMENT BUFFER PERCENTAGE NEED TO BE FULFILLED BY THE BANK
Dari CET 1 (%)
6.00 6.14 6.14 6.14 " Capital Conservation Buffer (%)*) 0.00 0.00
From CET 1 (%)
Laporan Manajemen
Management Report
Dari AT 1 (%)
0.00 0.00 0.00 0.00 " Countercyclical Buffer (%) 0.00 0.00 0.00
From AT 1 (%)

Dari Tier 2 (%)
3.99 3.85 3.85 3.85 " Capital Surcharge untuk D-SIB (%) 0.00 0.00
From Tier 2 (%)
644
*) Bank termasuk dalam BUKU 2 sehingga tidak wajib membentuk Capital Conservation Buffer
*) The Bank is in BUKU 2 category so does not have any obligation to establish Capital Conservation Buffer
Company Profile
Profil Perusahaan

Tabel 1.1. Pengungkapan Tagihan Bersih Berdasarkan Wilayah – Bank secara Individual
Table 1.1. of Disclosure of Net Receivables By Area – Bank, Individually (dalam juta Rp / in million Rp)
31 Desember 2019 / 31 December 2019 31 Desember 2018 / 31 December 2018
Tagihan Bersih Berdasarkan Wilayah Tagihan Bersih Berdasarkan Wilayah

Net Receivables by Region Net Receivables by Region
No. Kategori Portofolio Zona Zona Zona Zona Zona Zona Portfolio Category
Diluar Diluar
Indonesia Indonesia Indonesia Indonesia Indonesia Indonesia

Indonesia Indonesia
Barat Tengah Timur Total Barat Tengah Timur Total
Indonesia Indonesia
Outside Outside
Zone West Zone Center Zone East Zone West Zone Center Zone East
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
1 Tagihan kepada pemerintah 5,451,038 - - - 5,451,038 6,088,915 - - - 6,088,915 Receivables from government
2 Tagihan kepada entitas sektor publik 115,422 - - - 115,422 66,587 - - - 66,587 Receivables from public sector entities
Receivables from multilateral
Tagihan kepada bank pembangunan
3 - - - - - - - - - - development banks and international
multilateral dan lemba ga internasional
institutions
4 Tagihan kepada bank 1,974,092 5,310 - 79,667 2,059,068 2,880,216 198,880 - 33,530 3,112,625 Receivables from banks
Residential property collateralized

5 Kredit beragun rumah tinggal 63,555 - - - 63,555 84,017 - - - 84,017
loans

Commercial property collateralized
6 Kredit beragun properti komersial 1,468,873 51,583 - - 1,520,456 1,413,334 52,665 - - 1,466,000
loans
7 Kredit pegawai/pensiunan - - - - - - - - - - Employee/retirement loans
645
Tagihan kepada usaha mikro, usaha Receivables from microbusiness, small
8 69,380 380 - 934 70,695 82,943 1,558 - 910 85,411
kecil dan portofolio ritel business, and retail portfolio
9 Tagihan kepada korporasi 14,654,755 1,107,889 - - 15,762,643 13,457,466 1,447,103 - - 14,904,569 Receivables from corporations
10 Tagihan yang telah jatuh tempo 508,659 93,436 - - 602,096 267,845 20,006 - - 287,851 Due receivables
11 Aset lainnya 1,704,330 - - - 1,704,330 1,633,046 - - - 1,633,046 Other assets
Eksposur di Unit Usaha Syariah (apabila Exposure in Sharia Business Unit (if
12 - - - - - - - - - -
ada) any)
2019 ANNUAL REPORT

Total 26,010,105 1,258,598 - 80,601 27,349,304 25,974,369 1,720,212 - 34,439 27,729,021 Total
Tabel 1.2. Pengungkapan Tagihan Bersih Berdasarkan Wilayah – Bank secara Konsolidasi dengan Entitas Anak
Table 1.2. of Disclosure of Net Receivables By Area - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

No. Kategori Portofolio Zona Zona Zona Zona Zona Zona Portfolio Category
Kilas Kinerja
Diluar Diluar
Indonesia Indonesia

Indonesia Indonesia
Outside Outside
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
1 Tagihan kepada pemerintah 6,204,769 - - - 6,204,769 6,535,056 - - - 6,535,056 Receivables from government
2 Tagihan kepada entitas sektor publik 115,422 - - - 115,422 66,587 - - - 66,587 Receivables from public sector entities
Tagihan kepada bank pembangunan
3 - - - - - - - - - - development banks and international
multilateral dan lembaga internasional
institutions
4 Tagihan kepada bank 1,990,133 5,310 - 79,667 2,075,110 3,149,877 198,880 - 33,530 3,382,287 Receivables from banks
Residential property collateralized
5 Kredit beragun rumah tinggal 206,009 20,577 - - 226,586 300,760 5,469 - - 306,229
loans
Laporan Manajemen
Management Report
Commercial Property Collateralized

6 Kredit Beragun Properti Komersial 1,469,373 51,583 - - 1,520,956 1,413,834 52,665 - - 1,466,500
Loans
7 Kredit Pegawai/Pensiunan 142 - - - 142 - - - - - Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Receivables from Microbusiness, Small
646
8 76,635 380 - 934 77,949 89,168 1,558 - 910 91,635
Kecil dan Portofolio Ritel Business, and Retail Portfolio
9 Tagihan kepada Korporasi 15,688,459 1,109,368 - - 16,797,827 14,306,029 1,447,103 - - 15,753,133 Receivables from Corporations
10 Tagihan yang Telah Jatuh Tempo 625,031 97,332 - - 722,363 430,777 42,200 - - 472,976 Due Receivables
11 Aset Lainnya 1,922,113 - - - 1,922,113 1,763,561 - - - 1,763,561 Other Assets
Eksposur di Unit Usaha Syariah (apabila Exposure in Sharia Business Unit (if
12 - - - - - - - - - -
ada) any)
Company Profile
Profil Perusahaan
Total 28,298,085 1,284,550 - 80,601 29,663,237 28,055,649 1,747,875 - 34,439 29,837,962

Tabel 2.1. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table 2.1. of Disclosure of Net Receivables By Remaining Contract Period – Bank, Individually (dalam juta Rp / in million Rp)

Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivables by Remaining Contract Period Net Receivables by Remaining Contract Period
No. Kategori Portofolio Portfolio Category
>1 thn s.d. >3 thn s.d. Non- >1 thn s.d. >3 thn s.d. Non-
< 1 tahun 3 thn 5 thn > 5 thn Kontraktual < 1 tahun 3 thn 5 thn > 5 thn Kontraktual
Total Total
< 1 year >1 to 3 >3 to 5 > 5 years Non- < 1 year >1 to 3 >3 to 5 > 5 years Non-
years years Contractual years years Contractual
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
Tagihan kepada Receivables from

1 3,344,640 349,235 616,547 1,140,616 - 5,451,038 4,297,811 1,226,966 - 564,138 - 6,088,915
pemerintah government
Tagihan kepada entitas Receivables from public
2 25,295 90,127 - - - 115,422 - 66,587 - - - 66,587
sektor publik sector entities
Receivables from
Tagihan kepada bank
multilateral development
3 pembangunan multilateral - - - - - - - - - - - -
banks and international
dan lembaga internasional

institutions
4 Tagihan kepada bank 1,619,215 390,723 49,130 - - 2,059,068 2,674,343 281,107 157,175 - - 3,112,625 Receivables from banks
Kredit beragun rumah Residential property
5 2,195 7,515 15,590 38,255 - 63,555 1,004 6,506 14,441 62,066 - 84,017

tinggal collateralized loans
Kredit beragun properti Commercial property
6 183,689 110,291 155,015 1,071,462 - 1,520,456 334,855 127,291 284,822 719,031 - 1,466,000
komersial collateralized loans
647
Employee/retirement
7 Kredit pegawai/pensiunan - - - - - - - - - - - -
loans
Receivables from
Tagihan kepada usaha
microbusiness, small
8 mikro, usaha kecil dan 57,686 7,133 3,593 2,283 - 70,695 63,689 9,462 9,043 3,217 - 85,411
business, and retail
portofolio ritel
portfolio
Receivables from
9 Tagihan kepada korporasi 8,376,383 2,483,572 1,964,558 2,938,130 - 15,762,643 7,141,054 3,338,852 2,064,398 2,360,265 -
14,904,569 corporations
2019 ANNUAL REPORT

Tagihan yang telah jatuh
10 442,824 56,003 64,317 38,951 - 602,096 150,610 42,256 59,974 35,011 - 287,851 Due receivables
tempo
11 Aset lainnya 1,704,330 - - - - 1,704,330 1,633,046 - - - - 1,633,046 Other assets
Eksposur di Unit Usaha Exposure in Sharia
12 - - - - - - - - - - - -
Syariah (apabila ada) Business Unit (if any)
TOTAL 15,756,258 3,494,600 2,868,750 5,229,697 - 27,349,304 16,296,412 5,099,027 2,589,854 3,743,728 - 27,729,021 TOTAL
Tabel 2.2. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Konsolidasi dengan Entitas Anak
Table 2.2. of Disclosure of Net Receivables By Remaining Contract Period – Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivables by Remaining Contract Period Net Receivables by Remaining Contract Period
Kilas Kinerja
>1 thn s.d. >3 thn s.d. Non- >1 thn s.d. >3 thn s.d. Non-
< 1 tahun 3 thn 5 thn > 5 thn Kontraktual < 1 tahun 3 thn 5 thn > 5 thn Kontraktual
>3 to 5 Total Total

< 1 year >1 to 3 > 5 years Non- < 1 year >1 to 3 >3 to 5 > 5 years Non-
years years Contractual years years Contractual
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)

1 3,528,084 409,202 647,892 1,619,590 - 6,204,769 4,363,193 1,346,422 29,247 796,193 - 6,535,056
Tagihan kepada entitas Receivables from public
2 25,295 90,127 - - - 115,422 - 66,587 - - - 66,587
bank pembangunan multilateral development
3 - - - - - - - - - - - -
multilateral dan lembaga banks and international
internasional institutions
4 Tagihan kepada bank 1,625,048 390,723 59,292 47 - 2,075,110 2,944,004 281,107 157,175 - - 3,382,287 Receivables from banks
Laporan Manajemen
Management Report
Kredit beragun rumah Residential property

5 2,195 39,570 29,050 155,771 - 226,586 1,004 28,892 78,095 198,238 - 306,229
Kredit beragun properti Commercial property
6 183,689 110,791 155,015 1,071,462 - 1,520,956 335,355 127,291 284,822 719,031 - 1,466,500
648
Kredit pegawai/ Employee/retirement
7 - - - 142 - 142 - - - - - -
pensiunan loans
Receivables from
8 mikro, usaha kecil dan 57,729 12,541 4,950 2,729 - 77,949 63,708 12,379 12,290 3,259 - 91,636
portofolio ritel
portfolio
9 8,479,449 2,881,475 2,145,511 3,291,392 - 16,797,827 7,182,964 3,858,682 2,289,368 2,422,120 - 15,753,133
Company Profile
Profil Perusahaan
korporasi corporations
10 446,720 158,578 71,151 45,914 - 722,363 150,610 121,253 138,059 63,053 - 472,976 Due receivables
tempo

11 Aset lainnya 1,922,113 - - - - 1,922,113 1,633,046 130,515 - - - 1,763,561 Other assets
Eksposur di Unit Usaha Exposure in Sharia
12 - - - - - - - - - - - -
Total 16,270,323 4,093,007 3,112,860 6,187,046 - 29,663,237 16,673,885 5,973,128 2,989,056 4,201,894 - 29,837,963
Tabel 3.1. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi – Bank secara Individual
Table 3.1. of Disclosure of Net Receivables By Economic Sector – Bank, Individually (dalam juta Rp / in million Rp)
31 Desember 2019 / 31 December 2019
Tagihan
Eksposur
Kepada Bank Tagihan
di Unit
Tagihan Pembangunan Kepada Usaha
Kredit Kredit Usaha
Kepada Multilateral Mikro, Usaha
Tagihan Beragun Beragun Kredit Tagihan Tagihan Syariah
Entitas dan Lembaga Tagihan Kecil dan

Kepada Rumah Properti Pegawai/ kepada yang Telah Aset (apabila
Sektor Internasional Kepada Portofolio Ritel
Pemerintah Tinggal Komersial Pensiun Korporasi Jatuh Lainnya ada)
No. Sektor Ekonomi Publik Receivables Bank Receivables Economi Sector
Receivables Residential Commercial Employee/ Receivables Tempo Other Exposure
Receivables from Receivables from
from Property Property Retirement from Due Assets in
from Public Multilateral from Banks Microbusiness,
Government Collateralized Collateralized Loans Corporations Receivables Sharia
Sector Development Small Business,
Loans Loans Business
Entities Banks and and Retail
Unit
International Portfolio
(if any)
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
1 Pertanian, perburuan dan Agriculture, hunting and
- - - - - - - 275 357,244 7,148 - -
kehutanan forestry
2 Perikanan - - - - - - - - 3,326 - - - Fishery

3 Pertambangan dan penggalian 552,714 43,645 - - - - - 1,004 79,920 51,699 - - Mining and excavation
4 Industri pengolahan - - - - - - - 12,760 1,892,580 58,045 - - Processing industry

5 Listrik, gas dan air - - - - - - - - 239,649 - - - Power, gas and water
6 Konstruksi - - - - - 251,577 - 3,583 722,370 77,091 - - Construction
7 Perdagangan besar dan eceran Wholesale and retail trading

- - - - - - - 25,447 1,649,579 147,384 - -
649
8 Penyediaan akomodasi dan Provision of accomodation
- - - - - - - 2,834 1,927,949 69,416 - -
penyediaan makan minum and foods & beverages
9 Transportasi, pergudangan dan Transportation, warehousing

- - - - - - - 6,377 687,870 4,434 - -
komunikasi and communications
10 Perantara keuangan 2,860,046 71,777 - 2,059,068 - - - 751 4,379,369 6,657 - - FInancial agency
11 Real estate, usaha persewaan Real estate, leasing and

2,038,277 - - - - 1,268,879 - 10,674 3,035,951 126,776 - -
dan jasa perusahaan corporate services
2019 ANNUAL REPORT

12 Administrasi pemerintahan, Government administration,
pertahanan dan jaminan - - - - - - - - - - - - land business and mandatory
sosial wajib social service
13 Jasa pendidikan - - - - - - - 416 140,148 5,324 - - Educational services
14 Jasa kesehatan dan kegiatan Health and social services

- - - - - - - 1,579 7,243 1,528 - -
sosial
15 Jasa kemasyarakatan, Societal, sociocultural,

sosial budaya, hiburan dan - - - - - - - 4,994 433,075 - - - entertainment and other
perorangan lainnya individual services
16 Jasa perorangan yang melayani Individual household-related

- - - - - - - - - - - -
rumah tangga services
17 Badan internasional dan badan International and other

- - - - - - - - - - - -
ekstra internasional lainnya extrainternational agencies
18 Kegiatan yang belum jelas Non-defined activities

- - - - - - - - - - - -
batasannya
19 Bukan lapangan usaha - - - - 39,349 - - - 142,361 42,016 - - Non-business

20 Lainnya - - - - 24,207 - - - 64,008 4,577 1,704,330 - Others
TOTAL 5,451,038 115,422 - 2,059,068 63,555 1,520,456 - 70,695 15,762,643 602,096 1,704,330 - Total
(dalam juta Rp / in million Rp)
Tagihan
Eksposur
Kepada Bank Tagihan
di Unit
Kredit Kredit Usaha
Tagihan Beragun Beragun Kredit Tagihan Tagihan Syariah
Kilas Kinerja
Entitas dan Lembaga Tagihan Kecil dan

Kepada Rumah Properti Pegawai/ kepada yang Telah Aset (apabila
Sektor Internasional Kepada Portofolio Ritel
Pemerintah Tinggal Komersial Pensiun Korporasi Jatuh Lainnya ada)
No. Sektor Ekonomi Publik Receivables Bank Receivables Economi Sector

Receivables Residential Commercial Employee/ Receivables Tempo Other Exposure
Receivables from Receivables from
from Property Property Retirement from Due Assets in
from Public Multilateral from Banks Microbusiness,
Government Collateralized Collateralized Loans Corporations Receivables Sharia
Unit
(if any)
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
Pertanian, perburuan dan Agriculture, hunting and
1 - - - - - - - 1,098 67,276 16,887 - -
kehutanan forestry
2 Perikanan - - - - - - - 837 - - - - Fishery
3 Pertambangan dan penggalian - 41,329 - - - - - 1,007 276,050 4,059 - - Mining and excavation
4 Industri pengolahan - - - - - - - 10,067 1,804,176 81,723 - - Processing industry

Laporan Manajemen
Management Report

6 Konstruksi - - - - - 228,323 - 4,890 801,512 28,047 - - Construction
7 Perdagangan besar dan eceran - - - - - - - 36,669 1,463,873 52,775 - - Wholesale and retail trading
Penyediaan akomodasi dan Provision of accomodation
650
8 - - - - - - - 4,103 1,823,336 12,464 - -
Transportasi, pergudangan dan Transportation, warehousing

9 - - - - - - - 8,101 467,873 15,771 - -
10 Perantara keuangan 4,685,360 25,258 - 3,112,075 - - - 1,983 4,667,613 - - - FInancial agency
Real estate, usaha persewaan Real estate, leasing and

11 - - - - - 1,237,677 - 9,297 2,463,673 24,162 - -
Company Profile
Administrasi Pemerintahan, Government administration,

Profil Perusahaan
12 pertahanan dan jaminan - - - - - - - - - - - - land business and mandatory


Jasa kesehatan dan kegiatan

14 - - - - - - - 2,059 3,306 1,524 - - Health and social services
sosial
Jasa kemasyarakatan, Societal, sociocultural,

15 sosial budaya, hiburan dan - - - - - - - 4,269 410,859 895 - - entertainment and other
Jasa perorangan yang melayani Individual household-related

16 - - - - - - - - - - - -
Badan internasional dan badan International and other

17 - - - - - - - - - - - -
Kegiatan yang belum jelas

18 1,403,555 - - 550 - - - - - - - - Non-defined activities
batasannya
20 Lainnya - - - - 17,072 - - - 232,868 7,349 1,633,046 - Others

TOTAL 6,088,915 66,587 - 3,112,625 84,017 1,466,000 - 85,411 14,904,569 287,851 1,633,046 - Total
Tabel 3.2. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi – Bank secara Konsolidasi dengan Entitas Anak
Table 3.2. of Disclosure of Net Receivables By Economic Sector - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)
Tagihan
Eksposur
Kepada Bank Tagihan
di Unit
Kredit Kredit Usaha
Tagihan Beragun Beragun Kredit Tagihan Syariah

Entitas dan Lembaga Tagihan Kecil dan Tagihan yang

Kepada Rumah Properti Pegawai/ kepada Aset (apabila
Sektor Internasional Kepada Portofolio Ritel Telah Jatuh
Pemerintah Tinggal Komersial Pensiun Korporasi Lainnya ada)
No. Sektor Ekonomi Publik Receivables Bank Receivables Tempo Economi Sector
Receivables Residential Commercial Employee/ Receivables Other Exposure
Receivables from Receivables from Due
from Property Property Retirement from Assets in
from Public Multilateral from Banks Microbusiness, Receivables
Government Collateralized Collateralized Loans Corporations Sharia
Unit
(if any)
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
1 - - - - - - - 275 357,244 7,148 - -
kehutanan forestry
2 Perikanan - - - - - - - - 3,326 - - - Fishery
3 Pertambangan dan penggalian 552,714 43,645 - - - - - 1,004 119,872 51,699 - - Mining and excavation
4 Industri pengolahan - - - - 10,096 - - 12,760 1,989,798 59,394 - - Processing industry

6 Konstruksi - - - - 24,520 251,577 - 3,583 731,905 77,711 - - Construction
7 Perdagangan besar dan eceran - - - - 46,071 - - 26,216 1,707,787 158,437 - - Wholesale and retail trading
651
8 - - - - 33,721 - - 2,834 1,945,623 73,312 - -
Transportasi, pergudangan dan Transportation, warehousing

9 - - - - - - - 6,377 717,425 4,434 - -
10 Perantara keuangan 3,628,984 71,777 - 2,073,863 - - - 751 4,625,277 6,657 - - FInancial agency
Real estate, usaha persewaan Real estate, leasing and

11 2,023,070 - - 1,247 39,557 1,269,379 - 10,242 3,502,262 229,860 - -

2019 ANNUAL REPORT

12 pertahanan dan jaminan sosial - - - - - - - - - - - - land business and mandatory
wajib social service

sosial

15 sosial budaya, hiburan dan - - - - 1,055 - - 4,994 452,953 - - - entertainment and other
Jasa perorangan yang melayani Individual household-related

16 - - - - - - - - - - - -
Badan internasional dan badan International and other

17 - - - - - - - - - - - -

18 - - - - - - - - - - - - Non-defined activities
batasannya
19 Bukan lapangan usaha - - - - 47,358 - 142 6,918 167,906 42,283 - - Non-business

20 Lainnya - - - - 24,207 - - - 64,008 4,577 1,922,113 - Others
TOTAL 6,204,769 115,422 - 2,075,110 226,586 1,520,956 142 77,949 16,797,827 722,363 1,922,113 - Total
Tagihan
Eksposur
Kepada Bank Tagihan
di Unit
Kredit Kredit Usaha
Tagihan Beragun Beragun Kredit Tagihan Syariah
Kilas Kinerja
Entitas dan Lembaga Tagihan Kecil dan Tagihan yang

Kepada Rumah Properti Pegawai/ kepada Aset (apabila
Sektor Internasional Kepada Portofolio Ritel Telah Jatuh
Pemerintah Tinggal Komersial Pensiun Korporasi Lainnya ada)
No. Sektor Ekonomi Publik Receivables Bank Receivables Tempo Economic Sector
Receivables Residential Commercial Employee/ Receivables Other Exposure
Receivables from Receivables from Due
from Property Property Retirement from Assets in
from Public Multilateral from Banks Microbusiness, Receivables
Government Collateralized Collateralized Loans Corporations Sharia
Unit
(if any)
Institutions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
1 - - - - - - - 1,098 67,276 16,887 - -
kehutanan forestry
2 Perikanan - - - - - - - 837 - 3,833 - - Fishery
3 Pertambangan dan penggalian - 41,329 - - 15,000 - - 1,007 326,241 5,286 - - Mining and excavation
4 Industri pengolahan - - - - 32,132 - - 10,067 1,805,055 108,887 - - Processing industry

Laporan Manajemen
Management Report

6 Konstruksi - - - - 24,964 228,323 - 4,890 817,851 33,559 - - Construction
Perdagangan besar dan

7 - - - - 20,266 - - 39,707 1,517,142 121,846 - - Wholesale and retail trading
eceran
652
8 - - - - 49,516 - - 4,103 1,823,336 21,836 - -
Transportasi, pergudangan Transportation, warehousing

9 - - - - - - - 8,101 502,510 19,771 - -
dan komunikasi and communications
10 Perantara keuangan 5,131,501 25,258 - 3,381,737 9,031 - - 1,983 4,959,804 3,590 - - FInancial agency
Real estate, usaha

Real estate, leasing and
11 persewaan dan jasa - - - - 64,363 1,238,177 - 9,297 2,799,705 71,157 - -
Company Profile
Profil Perusahaan
corporate services
perusahaan

12 pertahanan dan jaminan - - - - - - - - - - - - land business and mandatory

sosial

15 sosial budaya, hiburan dan - - - - 679 - - 4,269 411,030 3,934 - - entertainment and other
Jasa perorangan yang Individual household-related

16 - - - - - - - - - - - -
melayani rumah tangga services
Badan internasional dan

International and other
17 badan ekstra internasional - - - - - - - - - - - -
extrainternational agencies
lainnya

18 1,403,555 - - 550 - - - - - - - - Non-defined activities
batasannya
20 Lainnya - - - - 23,331 - - 3,187 289,535 15,819 1,763,561 - Others
TOTAL 6,535,056 66,587 - 3,382,287 306,228 1,466,500 - 91,635 15,753,133 472,976 1,763,561 - Total
Tabel 4.1. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah – Bank secara Individual
Table 4.1. of Disclosure of Receivables and Allowances By Area – Bank, Individually (dalam juta Rp / in million Rp)

No. Keterangan Zona Zona Zona Zona Zona Zona Description

Diluar Diluar

Indonesia Indonesia
Indonesia Indonesia
Outside Outside
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (2)
1 Tagihan 23,976,737 1,289,136 - 80,601 25,346,475 22,668,641 1,700,465 - 34,439 24,403,545 Receivables
Tagihan yang mengalami penurunan nilai Impaired Receivables

2 2,162,307 240,727 - - 2,403,034 1,894,601 182,682 - - 2,077,283
(impaired)
a. Belum jatuh tempo 1,416,143 116,126 - - 1,532,268 1,402,070 147,323 - - 1,549,393 a. Not Due
b. Telah jatuh tempo 746,164 124,601 - - 870,765 492,531 35,358 - - 527,890 b. Due
Cadangan Kerugian Penurunan Nilai (CKPN) Individual Impairment

3 284,217 42,019 - - 326,236 284,609 14,978 - - 299,587
- Individual Losses Allowance (ILA)
Cadangan Kerugian Penurunan Nilai (CKPN) Collective Impairment

4 41,356 5,002 - 16 46,375 43,649 4,090 - 2 47,740

- Kolektif Losses Allowance (ILA)
5 Tagihan yang dihapus buku (103,573) - - - (103,573) (183,567) - - - (183,567) Receivables Written Off
653
Tabel 4.2. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah – Bank secara Konsolidasi dengan Entitas Anak
Table 4.2. of Disclosure of Receivables and Allowances By Area - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)


2019 ANNUAL REPORT

No. Keterangan Zona Zona Zona Zona Zona Zona Description
Diluar Diluar
Indonesia Indonesia
Indonesia Indonesia
Outside Outside
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (2)
1 Tagihan 26,058,225 1,315,696 - 80,601 27,454,523 24,755,071 1,728,464 - 34,439 26,517,975 Receivables
Tagihan yang mengalami penurunan nilai Impaired Receivables

2 2,349,307 255,875 - - 2,605,182 2,303,023 182,682 - - 2,485,705
(impaired)
a. Belum jatuh tempo 1,482,713 127,274 - - 1,609,987 1,810,492 147,323 - - 1,957,815 a. Not Due
b. Telah jatuh tempo 866,594 128,601 - - 995,195 492,531 35,358 - - 527,890 b. Due
Cadangan Kerugian Penurunan Nilai Individual Impairment Losses Allowance

3 301,393 42,629 - - 344,022 293,036 15,315 - - 308,351
(CKPN) - Individual (ILA)
Cadangan Kerugian Penurunan Nilai Collective Impairment Losses Allowance
4 47,583 5,002 - 16 52,602 51,256 4,174 - 2 55,431

(CKPN) - Kolektif (ILA)
5 Tagihan yang dihapus buku (103,573) - - - (103,573) (183,567) - - - (183,567) Receivables Written Off
Tabel 5.1. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi – Bank secara Individual
Table 5.1. of Disclosure of Receivables and Allowances By Economic Sector – Bank, Individually (dalam juta Rp / in million Rp)

Tagihan yang Mengalami
Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai
Penurunan Nilai Penurunan Nilai Tagihan yang
No. Sektor Ekonomi Impaired Receivables (CKPN) - Individual (CKPN) - Kolektif Dihapus Buku Economic Sector
Kilas Kinerja
Tagihan
Receivables Belum Jatuh Telah Jatuh Individual Collective Receivables
Tempo Tempo Impairment Losses Impairment Losses Written Off

Allowance (ILA) Allowance (ILA)
Not Due Due
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Pertanian, perburuan dan kehutanan 369,183 31,489 9,161 6,601 441 - Agriculture, hunting and forestry
2 Perikanan 3,017 - - 9,240 8 - Fishery
3 Pertambangan dan penggalian 172,023 1,605 55,270 14,446 83 - Mining and excavation
4 Industri pengolahan 1,922,926 219,109 97,307 41,127 4,920 2,583 Processing industry
5 Listrik, gas dan air 238,671 - - - 262 - Power, gas and water
Laporan Manajemen
Management Report
6 Konstruksi 1,039,410 128,294 146,525 68,515 2,012 - Construction

7 Perdagangan besar dan eceran 1,714,155 65,685 156,522 4,914 8,960 57,726 Wholesale and retail trading
8 Penyediaan akomodasi dan penyediaan makan 1,987,256 238,785 89,394 23,469 6,488 - Provision of accomodation and foods & beverages
minum
654
9 Transportasi, pergudangan dan komunikasi 673,958 40,948 4,933 1,054 1,419 - Transportation, warehousing and communications
10 Perantara keuangan 9,878,367 75,731 89,829 96,271 919 7,543 FInancial agency
11 Real estate, usaha persewaan dan jasa perusahaan 4,394,827 676,495 154,105 48,490 12,980 19,100 Real estate, leasing and corporate services
12 Administrasi Pemerintahan, pertahanan dan jaminan - - - - - - Government administration, land business and
sosial wajib mandatory social service
Company Profile
Profil Perusahaan
13 Jasa pendidikan 145,665 16,370 6,775 1,451 478 - Educational services
14 Jasa kesehatan dan kegiatan sosial 10,208 - 1,700 - 195 - Health and social services

15 Jasa kemasyarakatan, sosial budaya, hiburan dan 429,255 17,838 - 2,588 696 - Societal, sociocultural, entertainment and other
16 Jasa perorangan yang melayani rumah tangga - - - - - - Individual household-related services
17 Badan internasional dan badan ekstra internasional - - - - - - International and other extrainternational agencies
lainnya
18 Kegiatan yang belum jelas batasannya 2,038,277 - - - - - Non-defined activities
19 Bukan lapangan usaha 235,594 19,737 53,775 7,731 5,456 16,620 Non-business
20 Lainnya 93,684 182 5,469 338 1,059 - Others
TOTAL 25,346,475 1,532,268 870,765 316.996 46,375 103,573 Total


Penurunan Nilai
Tagihan Impaired Receivables (CKPN) - Individual (CKPN) - Kolektif Dihapus Buku
No. Sektor Ekonomi Economic Sector


Not Due Due
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Pertanian, perburuan dan kehutanan 108,279 - 40,161 23,160 259 10,283 Agriculture, hunting and forestry
2 Perikanan 822 - - - 2 17,630 Fishery
3 Pertambangan dan penggalian 317,246 7,090 8,429 4,326 565 8,605 Mining and excavation
6 Konstruksi 1,045,246 178,358 46,857 17,799 3,754 11,153 Construction

Penyediaan akomodasi dan penyediaan makan
8 1,817,262 190,815 13,186 - 6,034 - Provision of accomodation and foods & beverages
minum
9 Transportasi, pergudangan dan komunikasi 492,670 74,554 25,174 8,685 1,778 16,062 Transportation, warehousing and communications
655
10 Perantara keuangan 11,027,780 305,287 - 62,417 7,029 56,242 FInancial agency
Administrasi Pemerintahan, pertahanan dan jaminan Government administration, land business and
12 - - - - - -
13 Jasa pendidikan 175,178 16,675 3,401 - 736 - Educational services

2019 ANNUAL REPORT

Jasa kemasyarakatan, sosial budaya, hiburan dan Societal, sociocultural, entertainment and other
15 404,051 34,476 934 - 1,370 -
Badan internasional dan badan ekstra internasional

17 - - - - - - International and other extrainternational agencies
lainnya
19 Bukan lapangan usaha 300,822 23,483 66,022 24,249 3,226 - Non-business
20 Lainnya 53,721 1,225 7,973 - 739 - Others
TOTAL 24,403,545 1,549,393 527,890 227.929 47,740 183,567 Total

Tabel 5.2. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi – Bank secara Konsolidasi dengan Entitas Anak
Table 5.2. of Disclosure of Receivables and Allowances By Economic Sector - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Penurunan Nilai
No. Sektor Ekonomi Tagihan Impaired Receivables (CKPN) - Individual (CKPN) - Kolektif Dihapus Buku Economic Sector
Kilas Kinerja


Not Due Due
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Pertanian, perburuan dan kehutanan 369,183 31,489 9,161 6,601 6,667 - Agriculture, hunting and forestry
2 Perikanan 3,017 - - 9,240 8 - Fishery
3 Pertambangan dan penggalian 211,975 1,605 55,270 14,446 83 - Mining and excavation
Laporan Manajemen
Management Report
6 Konstruksi 1,079,221 133,188 152,145 73,652 2,012 - Construction

8 Penyediaan akomodasi dan penyediaan makan 2,042,650 239,454 93,394 23,573 6,488 - Provision of accomodation and foods & beverages
minum
656
9 Transportasi, pergudangan dan komunikasi 703,513 40,948 4,933 1,054 1,419 - Transportation, warehousing and communications
10 Perantara keuangan 10,908,063 109,206 89,829 96,328 919 7,543 FInancial agency
12 Administrasi pemerintahan, pertahanan dan jaminan - - - - - - Government administration, land business and
Company Profile
Profil Perusahaan
13 Jasa pendidikan 145,665 16,370 6,775 1,451 478 - Educational services

15 Jasa kemasyarakatan, sosial budaya, hiburan dan 450,188 18,327 - 2,588 696 - Societal, sociocultural, entertainment and other
17 Badan internasional dan badan ekstra internasional - - - - - - International and other extrainternational agencies
lainnya
19 Bukan lapangan usaha 276,478 22,270 54,042 7,734 5,456 16,620 Non-business
20 Lainnya 93,685 182 5,469 338 1,059 - Others
TOTAL 27,454,523 1,609,987 995,195 332.780 52,601 103,573 Total


Tagihan yang Mengalami Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
Impaired Receivables (CKPN) - Individual (CKPN) - Kolektif Dihapus Buku
Tagihan
No. Sektor Ekonomi Economic Sector
Not Due Due Allowance (ILA) Allowance (ILA)
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Pertanian, perburuan dan kehutanan 108,279 - 40,161 23,160 259 10,283 Agriculture, hunting and forestry
2 Perikanan 4,694 - - 39 2 17,630 Fishery
3 Pertambangan dan penggalian 383,664 12,064 8,429 4,326 1,167 8,605 Mining and excavation
5 Listrik, gas dan air 88,279 7,800 - - 146 - Power, gas and water
6 Konstruksi 1,097,061 178,358 46,857 22,799 3,967 11,153 Construction

Penyediaan akomodasi dan penyediaan makan
8 1,876,426 190,815 13,186 276 6,342 - Provision of accomodation and foods & beverages
minum
9 Transportasi, pergudangan dan komunikasi 531,306 76,496 25,174 8,685 2,145 16,062 Transportation, warehousing and communications
657
10 Perantara keuangan 12,045,737 682,265 - 63,034 10,136 56,242 FInancial agency
Administrasi pemerintahan, pertahanan dan jaminan Government administration, land business and
12 - - - - - -
13 Jasa pendidikan 178,029 16,675 3,401 - 736 - Educational services

2019 ANNUAL REPORT

Jasa kemasyarakatan, sosial budaya, hiburan dan Societal, sociocultural, entertainment and other
15 407,939 34,476 934 - 1,388 -
Badan internasional dan badan ekstra internasional

17 - - - - - - International and other extrainternational agencies
lainnya
19 Bukan lapangan usaha 300,822 23,483 66,022 24,249 3,226 - Non-business
20 Lainnya 258,820 5,891 7,973 - 1,018 - Others
TOTAL 26,517,975 1,957,815 527,890 235.524 55.300 183,567 TOTAL

Tabel 6.1. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai – Bank secara Individual
Table 6.1. of Disclosure of Detailed Changes in Allowances for Impairment Losses – Bank, Individually (dalam juta Rp / in million Rp)

No. Keterangan Description
CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif
Individual ILA Collective ILA Individual ILA Collective ILA
Kilas Kinerja
(1) (2) (3) (4) (5) (6) (2)
1 Saldo awal CKPN 299,587 47,740 181,653 88,971 ILA - Starting Balance
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net) 130,222 (1,365) 290,045 (41,231) Establishment (Recovery) of ILA in current period (Net)
2.a Pembentukan CKPN pada periode berjalan 130,222 - 290,045 - 2.a. Establishment of ILA in current period
2.b Pemulihan CKPN pada periode berjalan - (1,365) - (41,231) 2.b. Recovery of ILA in current period
CKPN yang digunakan untuk melakukan hapus buku atas
3 (103,573) - (183,567) - ILA used for writing off receivables in current period
tagihan pada periode berjalan
4 Pembentukan (pemulihan) lainnya pada periode berjalan - - 11,456 - Other Establishment (Recovery) in current period
Laporan Manajemen
Management Report
Saldo akhir CKPN 326,236 46,375 299,587 47,740 ILA - Ending Balance

658
Tabel 6.2. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai – Bank secara Konsolidasi dengan Entitas Anak
Table 6.2. of Disclosure of Detailed Changes in Allowances for Impairment Losses – Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Company Profile
Profil Perusahaan

No. Keterangan Description
CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif

Individual ILA Collective ILA Individual ILA Collective ILA
(1) (2) (3) (4) (5) (6) (2)
1 Saldo awal CKPN 235,524 55,300 188,227 66,349 ILA - Starting Balance
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net) 134,013 (4,358) 292,279 (12,597) Establishment (Recovery) of ILA in current period (Net)
2.a Pembentukan CKPN pada periode berjalan 195,728 - 219,322 - 2.a. Establishment of ILA in current period
2.b Pemulihan CKPN pada periode berjalan - (4,358) - (12,597) 2.b. Recovery of ILA in current period
CKPN yang digunakan untuk melakukan hapus buku atas
3 (103,573) - (183,567) - ILA used for writing off receivables in current period
tagihan pada periode berjalan
4 Pembentukan (pemulihan) lainnya pada periode berjalan 5,100 1,659 11,542 1,548 Other Establishment (Recovery) in current period
Saldo akhir CKPN 322,780 52,601 235,524 55,300 ILA - Ending Balance
Tabel 7.1. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat – Bank secara Individual
Table 7.1. of Disclosure of Net Receivables By Portfolio Category and Rating Scale – Bank, Individually (dalam juta Rp / in million Rp)
31 Desember 2019/ 31 December 2019
Lembaga Tagihan Bersih

Pemeringkat Net Receivables
Rating Peringkat Jangka panjang Peringkat Jangka Pendek
Agency Long Term Rating Short Term Rating
BBB+ s.d Kurang Kurang

AA+ s.d AA- BB+ s.d
Standard and AAA A+ s.d A- BBB- B+ s.d B- dari B- A-1 A-2 A-3 dari A-3
BB-
Poor’s AAA AA+ to A+ to A- B+ to B- A-1 A-2 A-3
BBB+ to Lower Lower
AA- BB+ to BB-
BBB- than B- than A-3
BBB+ s.d Kurang Kurang

AA+ s.d AA- BB+ s.d
AAA A+ s.d A- BBB- B+ s.d B- dari B- F1+ s.d F1 F2 F3 dari F3
Fitch Rating BB-
AAA AA+ to A+ to A- B+ to B- F1+ s.d F1 F2 F3
BBB+ s.d Lower Lower
AA- BB+ to BB-
BBB- than B- than F3
Baa1 s.d Kurang Kurang

Aa1 s.d Aa3
Aaa A1 s.d A3 Baa3 Ba1 s.d Ba3 B1 s.d B3 dari B3 P-1 P-2 P-3 dari P-3
Moody’s Aa1 to
Aaa A1 to A3 Baa1 s.d Ba1 to Ba3 B1 to B3 Lower P-1 P-2 P-3 Lower
Aa3 than P-3 Tanpa
Baa3 than B3
No. Kategori Portofolio Peringkat Total Portfolio Category
Not Rated
BBB+(idn) BB+(idn) Kurang Kurang

A+(idn)
AA+(idn) s.d s.d BBB- s.d BB- B+(idn) dari F1+(idn) dari
s.d.
Fitch Ratings AAA (idn) AA-(idn) (idn) (idn) s.d B-(idn) B-(idn) s.d F1(idn) F2(idn) F3(idn) F3(idn)
A-(idn)
Indonesia AAA (idn) AA+(idn) to BBB+(idn) BB+(idn) B+(idn) to Lower F1+(idn) F2(idn) F3(idn) Lower
A+(idn) to

AA-(idn) s.d BBB- to BB- B-(idn) than toF1(idn) than
A-(idn) B-(idn)
(idn) (idn) F3(idn)
[Idr]BB+ Kurang [Idr]A2+ [Idr]A3+ Kurang

[Idr]BBB+ [Idr]B+ [Idr]A1+
[Idr]AA+ s.d [Idr]A+ s.d s.d [Idr] dari [Idr] s.d [Idr] s.d [Idr] dari [Idr]
659
s.d [Idr] s.d [Idr] s.d [Idr]
PT ICRA [Idr]AAA [Idr]AA- [Idr]A- BB- B- A2 A3 A3
BBB- B- A1
Indonesia [Idr]AAA [Idr]AA+ to [Idr]A+ to [Idr]BB+ Lower [Idr]A2+ [Idr]A3+ Lower
[Idr]BBB+ to [Idr]B+ to [Idr]A1+
[Idr]AA- [Idr]A- to [Idr] than [Idr] to [Idr] to [Idr] than [Idr]
[Idr]BBB- [Idr]B- to [Idr]A1
BB- B- A2 A3 A3
Kurang Kurang
PT idAA+ s.d idA+ s.d id BBB+ s.d id BB+ s.d id B+ s.d idA3 s.d
dari id B- dari id A4
Pemeringkat idAAA idAA- id A- id BBB- id BB- id B- idA1 idA2 id A4
Lower Lower
Efek idAAA idAA+ to idA+ to id BBB+ to id id BB+ to id B+ to idA1 idA2 idA3 to
than
Indonesia than id
idAA- id A- BBB- id BB- id B- id A4
id B- A4
2019 ANNUAL REPORT

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (2)
1 Tagihan kepada pemerintah - - - - - - - - - - - 5,451,038 5,451,038 Receivables from government
2 Tagihan kepada entitas sektor publik 71,777 - 43,645 - - - - - - - - - 115,422 Receivables from public sector entities
Tagihan Kepada Bank Pembangunan Receivables from multilateral development

3 - - - - - - - - - - - - -
Multilateral dan Lembaga Internasional banks and international institutions
4 Tagihan kepada bank 521,405 139,269 - 25,004 - 609 - - - - - 1,372,781 2,059,068 Receivables from banks
5 Kredit Beragunan Rumah Tinggal - - - - - - - - - - - 63,555 63,555 Residential property collateralized loans
6 Kredit beragun properti komersial - - - - - - - - - - - 1,520,456 1,520,456 Rommercial property collateralized loans
7 Kredit pegawai/pensiun - - - - - - - - - - - - - Rmployee/retirement loans
Tagihan kepada usaha mikro usaha Receivables from microbusiness, small

8 - - - - - - - - - - - 70,695 70,695
9 Tagihan kepada korporasi 599,566 1,375,067 1,226,355 223,627 53,047 - 10,750 - - - - 12,274,230 15,762,643 Receivables from corporations
10 Tagihan yang telah jatuh tempo - - - 65,961 - - - - - - - 536,135 602,096 Due receivables
11 Aset lainnya - - - - - - - - - - - 1,704,330 1,704,330 Other assets

12 Eksposur diunit kerja Syariah (apabila ada) - - - - - - - - - - - - - Exposure in Sharia Business Unit (if any)
TOTAL 1,192,748 1,514,336 1,270,001 314,591 53,047 609 10,750 - - - - 22,993,221 27,349,304 TOTAL

AA+ s.d BBB+ s.d Kurang Kurang

Kilas Kinerja
BB+ s.d
Standard and AAA AA- A+ s.d A- BBB- B+ s.d B- dari B- A-1 A-2 A-3 dari A-3
BB-
Poor’s AAA AA+ to A+ to A- BBB+ to B+ to B- Lower A-1 A-2 A-3 Lower

BB+ to BB-
AA- BBB- than B- than A-3

BB+ s.d
AAA AA- A+ s.d A- BBB- B+ s.d B- dari B- F1+ s.d F1 F2 F3 dari F3
Fitch Rating BB-
AAA AA+ to A+ to A- BBB+ s.d B+ to B- Lower F1+ s.d F1 F2 F3 Lower
BB+ to BB-
AA- BBB- than B- than F3

Aa1 s.d Aa3 Ba1 s.d
Aaa A1 s.d A3 Baa3 B1 s.d B3 dari B3 P-1 P-2 P-3 dari P-3
Moody’s Ba3
Aaa Aa1 to A1 to A3 B1 to B3 P-1 P-2 P-3 Lower
Baa1 s.d Lower
Aa3 Ba1 to Ba3 than P-3 Tanpa
Baa3 than B3
BBB+(idn) BB+(idn) Kurang Not Rated
AA+(idn) A+(idn) Kurang
s.d BBB- s.d BB- B+(idn) dari F1+(idn) dari
s.d AA- s.d.
Fitch Ratings AAA (idn) (idn) (idn) s.d B-(idn) B-(idn) s.d F1(idn) F2(idn) F3(idn) F3(idn)
(idn) A-(idn)
Indonesia AAA (idn) BBB+(idn) BB+(idn) B+(idn) to Lower F1+(idn) F2(idn) F3(idn) Lower
Laporan Manajemen
Management Report
AA+(idn) to A+(idn) to than

s.d BBB- to BB- B-(idn) toF1(idn) than
AA-(idn) A-(idn) B-(idn)
(idn) (idn) F3(idn)

[Idr]BBB+ [Idr]BB+ Kurang [Idr]A2+ [Idr]A3+ Kurang
[Idr]AA+ [Idr]B+ [Idr]A1+
[Idr]A+ s.d s.d [Idr] s.d [Idr] dari [Idr] s.d [Idr] s.d [Idr] dari [Idr]
PT ICRA [Idr]AAA [Idr]A- BBB- BB- B- A2 A3 A3
AA- B- A1
660
Indonesia [Idr]AAA [Idr]A+ to [Idr]BBB+ [Idr]BB+ Lower [Idr]A2+ [Idr]A3+ Lower
[Idr]AA+ to [Idr]B+ to [Idr]A1+
[Idr]A- to [Idr] to [Idr] than [Idr] to [Idr] to [Idr] than [Idr]
[Idr]AA- [Idr]B- to [Idr]A1
BBB- BB- B- A2 A3 A3
idAA+ s.d idA+ s.d id BBB+ s.d id BB+ s.d id B+ s.d Kurang idA3 s.d Kurang
PT
idAA- id A- id BBB- id BB- id B- dari id B- id A4 dari id A4
Pemeringkat idAAA idA1 idA2
Lower
Efek idAAA idAA+ to idA+ to id BBB+ to id BB+ to id B+ to idA1 idA2 idA3 to Lower
than
Indonesia idAA- id A- id BBB- id BB- id B- id A4 than id A4
id B-
Company Profile
Profil Perusahaan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (2)
1 Tagihan kepada pemerintah - - 201,987 - - - - - - - - 5,886,928 6,088,915 Receivables from government

2 Tagihan kepada entitas sektor publik 25,258 - - 41,329 - - - - - - - - 66,587 Receivables from public sector entities
Tagihan kepada bank pembangunan Receivables from multilateral development

3 - - - - - - - - - - - - -
multilateral dan lembaga internasional banks and international institutions
4 Tagihan kepada bank 439,262 270,836 20,911 - - 1,601 - 321 - 201,028 - 2,178,666 3,112,625 Receivables from banks
5 Kredit beragun rumah tinggal - - - - - - - - - - - 84,017 84,017 Residential property collateralized loans
6 Kredit beragun properti komersial - - - - - - - - - - - 1,466,000 1,466,000 Commercial property collateralized loans
7 Kredit pegawai/pensiunan - - - - - - - - - - - - - Employee/retirement loans
Taguhan kepada usaha mikro usaha Receivables from microbusiness, small

8 - - - - - - - - - - - 85,411 85,411
9 Tagihan kepada korporasi 694,326 934,544 1,210,446 355,121 - - 19,991 - - - - 11,690,141 14,904,569 Receivables from corporations
10 Tagihan yang telah jatuh tempo - - - - - - - - - - - 287,851 287,851 Due receivables
12 Eksposur diunit kerja Syariah (apabila ada) - - - - - - - - - - - - - Exposure in Sharia Business Unit (if any)
TOTAL 1,158,846 1,205,380 1,433,344 396,450 - 1,601 19,991 321 - 201,028 - 23,312,061 27,729,021 TOTAL
Tabel 7.2. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat – Bank secara Konsolidasi dengan Entitas Anak
Table 7.2. of Disclosure of Net Receivables By Portfolio Category and Rating Scale – Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)


BB+ s.d
BB-
BB+ to BB-

BB+ s.d
Fitch Rating BB-
BB+ to BB-

Aa1 s.d Aa3 Ba1 s.d
Moody’s Ba3
Baa1 s.d Lower
Baa3 than B3
Not Rated
BBB+(idn) BB+(idn) B+(idn) Kurang Kurang

AA+(idn) A+(idn)
s.d BBB- s.d BB- s.d dari F1+(idn) dari
s.d AA- s.d.
Fitch Ratings AAA (idn) (idn) (idn) B-(idn) B-(idn) s.d F1(idn) F2(idn) F3(idn) F3(idn)
(idn) A-(idn)
Indonesia AAA (idn) BBB+(idn) BB+(idn) B+(idn) Lower F1+(idn) F2(idn) F3(idn) Lower
AA+(idn) to A+(idn) to

s.d BBB- to BB- to than toF1(idn) than
AA-(idn) A-(idn) B-(idn)
(idn) (idn) B-(idn) F3(idn)
[Idr]BBB+ [Idr]BB+ [Idr]B+ Kurang [Idr]A3+ Kurang

[Idr]AA+ [Idr]A1+ [Idr]A2+
[Idr]A+ s.d s.d [Idr] s.d [Idr] s.d [Idr] dari [Idr] s.d [Idr] dari [Idr]
661
PT ICRA [Idr]AAA [Idr]A- BBB- BB- B- B- A3 A3
AA- A1 A2
Indonesia [Idr]AAA [Idr]A+ to [Idr]BBB+ [Idr]BB+ [Idr]B+ Lower [Idr]A3+ Lower
[Idr]AA+ to [Idr]A1+ [Idr]A2+
[Idr]A- to [Idr] to [Idr] to [Idr] than [Idr] to [Idr] than [Idr]
[Idr]AA- to [Idr]A1 to [Idr]A2
BBB- BB- B- B- A3 A3
PT
Lower
than

id B-
2019 ANNUAL REPORT

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (2)
1 Tagihan kepada pemerintah - - - - - - - - - - - 6,204,769 6,204,769 Receivables from government
2 Tagihan kepada entitas sektor publik 71,777 - 43,645 - - - - - - - - - 115,422 Receivables from public sector entities
3 Tagihan kepada bank pembangunan Receivables from multilateral development

- - - - - - - - - - - - -
4 Tagihan kepada bank 531,567 139,269 - 25,004 - 609 - - - 1,247 - 1,377,414 2,075,110 Receivables from banks
5 Kredit beragun rumah tinggal - - - - - - - - - 4,757 - 221,829 226,586 Residential property collateralized loans
7 Kredit pegawai/pensiunan - - - - - - - - - - - 142 142 Employee/retirement loans
8 Tagihan kepada usaha mikro usaha Receivables from microbusiness, small

- - - - - - - - - - - 77,949 77,949
9 Tagihan kepada korporasi 667,196 1,390,605 1,231,418 223,627 53,047 - 10,750 - - 7,349 2,115 13,211,719 16,797,827 Receivables from corporations
10 Tagihan yang telah jatuh tempo - - - 65,961 - - - - - 1,084 - 655,318 722,363 Due receivables
12 Eksposur di Unit kerja Syariah (bila ada) - - - - - - - - - - - - - Exposure in Sharia Business Unit (if any)
TOTAL 1,270,540 1,529,874 1,275,063 314,591 53,047 609 10,750 - - 14,437 2,115 25,192,209 29,663,237 TOTAL


Kilas Kinerja
BB+ s.d
BB-

BB+ to BB-

BB+ s.d
Fitch Rating BB-
BB+ to BB-

Aa1 s.d Aa3 Ba1 s.d
Moody’s Ba3
Baa1 s.d Lower
Baa3 than B3
BBB+(idn) BB+(idn) Kurang Not Rated
AA+(idn) Kurang
A+(idn) s.d. s.d BBB- s.d BB- B+(idn) dari F1+(idn) dari
s.d AA-
Fitch Ratings AAA (idn) A-(idn) (idn) (idn) s.d B-(idn) B-(idn) s.d F1(idn) F2(idn) F3(idn) F3(idn)
(idn)
Indonesia AAA (idn) A+(idn) to BBB+(idn) BB+(idn) B+(idn) to Lower F1+(idn) F2(idn) F3(idn) Lower
Laporan Manajemen
Management Report
AA+(idn) to than
A-(idn) s.d BBB- to BB- B-(idn) toF1(idn) than
AA-(idn) B-(idn)
(idn) (idn) F3(idn)

[Idr]BBB+ [Idr]BB+ Kurang [Idr]A2+ [Idr]A3+ Kurang
[Idr]AA+ [Idr]B+ [Idr]A1+
[Idr]A+ s.d s.d [Idr] s.d [Idr] dari [Idr] s.d [Idr] s.d [Idr] dari [Idr]
PT ICRA [Idr]AAA [Idr]A- BBB- BB- B- A2 A3 A3
AA- B- A1
662
Indonesia [Idr]AAA [Idr]A+ to [Idr]BBB+ [Idr]BB+ Lower [Idr]A2+ [Idr]A3+ Lower
[Idr]AA+ to [Idr]B+ to [Idr]A1+
[Idr]A- to [Idr] to [Idr] than [Idr] to [Idr] to [Idr] than [Idr]
[Idr]AA- [Idr]B- to [Idr]A1
BBB- BB- B- A2 A3 A3
PT
Lower
than
id B-
Company Profile
Profil Perusahaan
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (2)
1 Tagihan kepada pemerintah - - 201,987 - - - - - - - - 6,333,069 6,535,056 Receivables from government

2 Tagihan kepada entitas sektor publik 25,258 - - 41,329 - - - - - - - - 66,587 Receivables from public sector entities

- - - - - - - - - - - - -
multilateral dan lembaga internasional. banks and international institutions
4 Tagihan kepada bank 439,262 270,836 20,911 - - 1,601 - 321 - 201,028 - 2,448,328 3,382,287 Receivables from banks
5 Kredit beragun rumah tinggal - - - - - - - - - - - 306,228 306,228 Residential property collateralized loans
7 Kredit pegawai/pensiunan - - - - - - - - - - - - - Employee/retirement loans
8 Tagihan kepada usaha mikro usaha Receivables from microbusiness, small

- - - - - - - - - - - 91,635 91,635
9 Tagihan kepada korporasi 709,479 934,544 1,225,742 355,121 - - 21,045 - - - - 12,507,202 15,753,133 Receivables from corporations
10 Tagihan yang telah jatuh tempo - - - - - - - - - - - 472,976 472,976 Due receivables
12 Eksposur di Unit kerja Syariah (bila ada) - - - - - - - - - - - - - Exposure in Sharia Business Unit (if any)
TOTAL 1,173,999 1,205,380 1,448,640 396,450 - 1,601 21,045 321 - 201,028 - 25,389,499 29,837,963 TOTAL
Tabel 8.1 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Individual
Table 8.1 Disclosure of Counterparty Credit Risk: Reverse Repo Transaction - Bank, Individually (dalam juta Rp / in million Rp)

Tagihan Bersih Tagihan Bersih ATMR
Tagihan ATMR Setelah Tagihan
No. Kategori Portofolio setelah MRK setelah MRK Setelah Portfolio Category
Bersih Nilai MRK MRK Bersih Nilai MRK
Net Net MRK
Net CRM Value Past-MRK Net CRM Value
Receivables Receivables Past-MRK
Receivables RWA Receivables

After CRM After CRM RWA

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
1 Tagihan Kepada Pemerintah - - - - - - - - Receivables from government
2 Tagihan Kepada Entitas Sektor Publik - - - - - - - - Receivables from public sector entities
3 Tagihan Kepada Bank Pembangunan Receivables from multilateral development
- - - - - - - -
4 Tagihan Kepada Bank 1.000.006 - - - - - - - Receivables from banks
5 Tagihan Kepada Usaha Mikro, Usaha Kecil Receivables from microbusiness, small
- - - - - - - -
dan Portofolio Ritel business, and retail portfolio
6 Tagihan kepada Korporasi - - - - - - - - Receivables from corporations
7 Eksposur di Unit Usaha Syariah (apabila ada) - - - - - - - - Exposure in Sharia Business Unit (if any)

TOTAL 1.000.006 - - - - - - - TOTAL
Pada posisi tanggal 31 Desember 2019, Bank secara konsolidasi memiliki pengungkapan risiko kredit pihak lawan: Transaksi Reverse Repo.
As of 31 December 2019 position, the Bank, individually, has disclosure of counterparty credit risk. Reverse Repo Transactions.
663
Tabel 8.2 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Konsolidasi dengan Entitas Anak
Table 8.2 Disclosure of Counterparty Credit Risk: Reverse Repo Transaction - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Tagihan Bersih ATMR Tagihan Bersih ATMR
Tagihan Tagihan
No. Kategori Portofolio setelah MRK Setelah setelah MRK Setelah Portfolio Category
Bersih Nilai MRK Bersih Nilai MRK
2019 ANNUAL REPORT

Net MRK Net MRK
Net CRM Value Net CRM Value
Receivables Past-MRK Receivables Past-MRK
Receivables Receivables
After CRM RWA After CRM RWA
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
1 Tagihan Kepada Pemerintah - - - - - - - - Receivables from government
2 Tagihan Kepada Entitas Sektor Publik - - - - - - - - Receivables from public sector entities
3 Tagihan Kepada Bank Pembangunan Receivables from multilateral development
- - - - - - - -
4 Tagihan Kepada Bank 1.000.006 - - - - - - - Receivables from banks
5 Tagihan Kepada Usaha Mikro, Usaha Kecil Receivables from microbusiness, small
- - - - - - - -
dan Portofolio Ritel business, and retail portfolio
6 Tagihan kepada Korporasi - - - - - - - - Receivables from corporations
7 Eksposur di Unit Usaha Syariah (apabila ada) - - - - - - - - Exposure in Sharia Business Unit (if any)
TOTAL 1.000.006 - - - - - - - TOTAL
Pada posisi tanggal 31 Desember 2019, Bank secara konsolidasi memiliki pengungkapan risiko kredit pihak lawan: Transaksi Reverse Repo.
As of 31 December 2019 position, the Bank, individually, has disclosure of counterparty credit risk. Reverse Repo Transactions.
Tabel 9.1. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit – Bank secara Individual
Table 9.1. of Disclosure of Net Receivables By Risk Weight After Calculating Credit Risk Mitigation Impact – Bank, Individually (dalam juta Rp / in million Rp)

Beban
Beban
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Kategori Portofolio ATMR ATMR Modal
No. Net Receivables Accounting Credit Risk Mitigation Impact Capital Net Receivables Accounting Credit Risk Mitigation Impact
Portfolio Category RWA RWA Capital
Expenses
Lainnya Lainnya Expenses
0% 20% 25% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Other Other
Kilas Kinerja
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27)
A Eksposur Neraca
Balance Sheet Exposure
1 Tagihan kepada pemerintah

Receivables from - - - - - - - - - - - - - - - - - - - - - - - - -
government
2 Tagihan kepada entitas

sektor publik
- 14,355 - - - - 21,823 - - - - 36,178 3,614 - 5,052 - - - 20,664 - - - - 25,716 2,314
Receivables from
public sector entities
3 Tagihan kepada bank

pembangunan multilateral
Laporan Manajemen
Management Report

institutions

- 387,820 - - - - 57,840 - - - - 445,660 44,521 - 538,569 - - - 108,174 - 201,028 - - 847,770 76,299
Receivables from banks
5 Kredit beragun rumah

tinggal
664
- 2,517 3,666 12,708 - - - - - - - 18,891 1,887 - - 4,464 4,978 26,468 - - - - - 35,910 3,232
Residential property
collateralized loans
6 Kredit Beragunan Properti

Komersial
- - - - - - - - 1,473,343 - - 1,473,343 147,187 - - - - - - - 1,447,093 - - 1,447,093 130,238
Commercial property
7 Kredit pegawai/pensiunan
- - - - - - - - - - - - - - - - - - - - - - - - -
Employee/retirement loans
Company Profile
Profil Perusahaan
8 Tagihan kepada usaha

mikro, usaha kecil dan
portofolio ritel

- - - - - - - 43,459 - - - 43,459 4,342 - - - - - - 54,866 - - - 54,866 4,938
Receivables from
business, and retail portfolio
9 Tagihan kepada korporasi

Receivables from - 392,927 - - - - 588,178 - 10,816,728 16,125 - 11,813,958 1,180,214 - 325,774 - - - 605,223 - 10,561,782 16,126 - 11,508,905 1,032,801
corporations
10 Tagihan yang telah jatuh

tempo - - - - - - - - 286,127 473,952 - 760,080 75,932 - - - - - - - 227,785 90,099 - 317,884 28,610
Due receivables
11 Aset lainnya
- - - - - - - - - 2,206,856 2,206,856 220,465 - - - - - - - 2,048,218 2,048,218 184,340
Other assets
12 Eksposur di Unit Usaha

Syariah (apabila ada)
- - - - - - - - - - - - - - - - - - - - - - - - -
Exposure in Sharia
Business Unit (if any)
Total Eksposur Neraca

Total Balance Sheet - 797,619 3,666 12,708 - - 667,841 43,459 12,576,199 490,078 2,206,856 16,798,425 1,678,163 - 869,394 4,464 4,978 26,468 734,062 54,866 12,437,687 106,225 2,048,218 16,286,363 1,465,773
Exposure

Beban Beban
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Modal
Kategori Portofolio Net Receivables Accounting Credit Risk Mitigation Impact ATMR Net Receivables Accounting Credit Risk Mitigation Impact ATMR
No.
Portfolio Category RWA Capital RWA Capital
Lainnya Expenses Lainnya Expenses
0% 20% 25% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Other Other
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27)
B Eksposur Kewajiban
Komitmen/Kontinjensi
pada Transaksi Rekening
Administratif
Commitment Liability
Exposure/ Contingencies
on Administrative Account
Transactions

government

sektor publik
- - - - - - - - - - - - - - - - - - - - - - - - -
Receivables from



institutions
665
- - - - - - 640 - - - - 640 64 - - - - - 200 - - - - 200 18
5 Kredit beragun rumah

tinggal
- - - - - - - - - - - - - - - - - - - - - - - - -
6 Kredit beragun properti

komersial
- - - - - - - - 47,113 - - 47,113 4,707 - - - - - - - 18,907 - - 18,907 1,702

Commercial property
2019 ANNUAL REPORT

- - - - - - - - - - - - - - - - - - - - - - - - -

portofolio ritel
- - - - - - - 5,544 - - - 5,544 554 - - - - - - 3,638 - - - 3,638 327
Receivables from

Receivables from - - - - - - - - - - 569,017 56,845 - - - - - - - 414,273 - - 414,273 37,285
569,017
corporations

tempo - - - - - - - - - - - - - - - - - - - - - - - - -
Due receivables

- - - - - - - - - - - - - - - - - - - - - - - - -
Exposure in Sharia
Total Eksposur TRA

Total Administrative - - - - - - 640 5,544 616,130 - - 622,314 62,169 - - - - - 200 3,638 433,180 - - 437,018 39,332
Account Transactions

Beban Beban
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
No. Net Receivables Accounting Credit Risk Mitigation Impact Net Receivables Accounting Credit Risk Mitigation Impact
0% 20% 25% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Other Other
Kilas Kinerja
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27)
C Eksposur akibat Kegagalan

Pihak Lawan (Counterparty
Credit Risk) - - - - - - - - -
Counterparty Credit Risk
Exposure

government
2 Tagihan kepada
entitas sektor publik
- - - - - - - - - - - - - - - - - - - - - - - - -
Receivables from public
sector entities

Laporan Manajemen
Management Report

institutions

- - - - - - - - - - - - - - - - - - - - - - - - -
666
portofolio ritel
portfolio

Company Profile
Profil Perusahaan
corporations

- - - - - - - - - - - - - - - - - - - - - - - - -
Exposure in Sharia
Total Eksposur
- - - - - - - - - - - - - - - - - - - - - - - - -
Total Counterparty Credit
Risk Exposure
Perhitungan tahun 2019 sesuai SEOJK No. 11/SEOJK.03/2018 mengenai perubahan atas SEOJK No. 42/SEOJK.03/2016.
The 2019 calculation is in accordance with OJK Circular No. 11/SEOJK.03/2018 on amendment to OJK Circular No. 42/SEOJK.03/2016.
Tabel 9.2. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit – Bank secara Konsolidasi dengan Entitas Anak
Table 9.2. of Disclosure of Net Receivables By Risk Weight After Calculating Credit Risk Mitigation Impact – Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Beban Beban
Kategori Portofolio ATMR ATMR
0% 20% 25% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Other Other
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27)
Eksposur Neraca
A
Balance Sheet Exposure
Tagihan kepada pemerintah

1 Receivables from - - - - - - - - - - - - - - - - - - - - - - - -
government
Tagihan kepada entitas

sektor publik
2 - 14,355 - - - - 21,823 - - - - 36,178 3,614 - 5,052 - - - 20,664 - - - - 25,716 2,314
sector entities
Tagihan kepada bank


3 Receivables from - - - - - - - - - - - - - - - - - - - - - - - - -
institutions

Tagihan kepada bank
4 - 191,001 - - - - 57,906 - - - - 248,907 24,866 - 538,558 - - - 243,032 - 201,028 - - 982,618 88,436
Kredit beragun rumah
667
tinggal
5 - 29,124 40,913 16,422 - - - - - - - 86,458 8,637 - - 63,952 22,131 30,682 - - - - - 116,764 10,509
Kredit beragun properti

komersial
6 - - - - - - - - 1,473,843 - - 1,473,843 147,237 - - - - - - - 1,447,593 - - 1,447,593 130,283
Commercial property
Kredit pegawai/pensiunan
7 - - - - - - 71 - - - - 71 7 - - - - - - - - - - - -
2019 ANNUAL REPORT

portofolio ritel
8 - - - - - - - 48,899 - - - 48,899 4,885 - - - - - - 59,535 - - - 59,535 5,358
Receivables from
Tagihan kepada korporasi

9 Receivables from - 407,173 - - - - 588,178 - 11,779,394 16,125 - 12,790,870 1,277,808 - 331,986 - - - 605,223 - 11,378,009 16,126 - 12,331,344 1,109,821
corporations

10 tempo - - - - - - - - 302,699 629,496 - 932,194 93,126 - - - - - - - 325,111 218,797 - 543,909 48,952
Due receivables
Aset lainnya
11 - - - - - - - - - - 2,390,979 2,390,979 238,859 - - - - - - - - - 2,232,895 2,232,895 200,961
Other assets
Eksposur di Unit Usaha

12 - - - - - - - - - - - - - - - - - - - - - - - - -
Exposure in Sharia
Total Eksposur Neraca

Total Balance Sheet - 641,653 40,913 16,422 - - 667,978 48,899 13,555,936 645,621 2,390,979 18,008,400 1,799,039 - 875,596 63,952 22,131 30,682 868,920 59,535 13,351,741 234,923 2,232,895 17,740,374 1,596,634
Exposure

Beban Beban
Kategori Portofolio ATMR ATMR
0% 20% 25% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Other Other
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27)
Kilas Kinerja
B Eksposur Kewajiban
Komitmen/Kontinjensi
padaTransaksi Rekening
Administratif
Commitment Liability
Exposure/ Contingencies
on Administrative Account
Transactions

government

sektor publik
- - - - - - - - - - - - - - - - - - - - - - - - -
Receivables from
Laporan Manajemen
Management Report


- - - - - - - - - - - - - - - - - - - - - - - - -
development banks and
international institutions
668
- - - - - - 640 - - - - 640 64 - - - - - 200 - - - - 200 18
5 Kredit beragun rumah tinggal

Residential property - - 4,600 - - - - - - - - 4,600 460 - - 0 - - - - - - - 0 0
6 Kredit beragun properti

komersial
- - - - - - - - 47,113 - - 47,113 4,707 - - - - - - - 18,907 - - 18,907 1,702
Commercial property
Company Profile
Profil Perusahaan
- - - - - - - - - - - - - - - - - - - - - - - - -

portofolio ritel
- - - - - - - 5,544 - - - 5,544 554 - - - - - - 3,638 - - - 3,638 327
Receivables from

Receivables from - - - - - - - - - - 570,302 56,973 - - - - - - - 415,549 - - 415,549 37,399
570,302
corporations

tempo - - - - - - - - 0 - - 0 0 - - - - - - - - 3,000 - 3,000 270
Due receivables

- - - - - - - - - - - - - - - - - - - - - - - - -
Exposure in Sharia
Total Eksposur TRA

Total Administrative - - 4,600 - - - 640 5,544 617,415 - - 628,199 62,757 - - 0 - - 200 3,638 434,456 3,000 - 441,294 39,716
Account Transactions

Beban
Beban Modal
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
No. Net Receivables Accounting Credit Risk Mitigation Impact Capital Net Receivables Accounting Credit Risk Mitigation Impact
Portfolio Category RWA RWA Capital
Expenses
Lainnya Lainnya Expenses
0% 20% 25% 35% 40% 45% 50% 75% 100% 150% 0% 20% 35% 40% 45% 50% 75% 100% 150%
Other Other
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27)
C Eksposur akibat
Kegagalan Pihak Lawan
(Counterparty Credit
Risk)
Exposure
1 Tagihan kepada
pemerintah
- - - - - - - - - - - - - - - - - - - - - - - - -
Receivables from
government

sektor publik
- - - - - - - - - - - - - - - - - - - - - - - - -
sector entities

- - - - - - - - - - - - - - - - - - - - - - - - -

Receivables from
institutions
669
- - - - - - - - - - - - - - - - - - - - - - - - -

portofolio ritel
portfolio

- - - - - - - - - - - - - - - - - - - - - - - - -
2019 ANNUAL REPORT

Receivables from
corporations

- - - - - - - - - - - - - - - - - - - - - - - - -
Exposure in Sharia
Total Eksposur
- - - - - - - - - - - - - - - - - - - - - - - - -
Total Counterparty Credit
Risk Exposure
Perhitungan tahun 2019 sesuai SEOJK No. 11/SEOJK.03/2018 mengenai perubahan atas SEOJK No. 42/SEOJK.03/2016.
The 2019 calculation is in accordance with OJK Circular No. 11/SEOJK.03/2018 on amendment to OJK Circular No. 42/SEOJK.03/2016.
Tabel 10.1. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank Secara Individual
Table 10.1. of Disclosure of Net Receivables and Credit Risk Mitigation Technique – Bank, Individually (dalam juta Rp / in million Rp)

Bagian yang Dijamin dengan Bagian yang Dijamin dengan
Bagian yang Bagian yang
Tagihan Part Guaranteed by Tagihan Part Guaranteed by
Tidak Dijamin Tidak Dijamin
No. Kategori Portofolio Bersih Asuransi Part not Bersih Asuransi Portfolio Category
Kilas Kinerja
Part not
Net Agunan Garansi Kredit Lainnya Guaranteed Net Agunan Garansi Kredit Lainnya Guaranteed
Receivables Collateral Guarantee Loan Other Receivables Collateral Guarantee Loan Other
Insurance Insurance
(8) = (3) - (8) = (3)-
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
A Eksposur Neraca Balance Sheet
Exposure
1 Tagihan kepada Receivables from
5,451,038 - - - 5,451,038 6,088,915 - - - 6,088,915
2 Receivables from
Tagihan kepada
115,422 - - - 115,422 66,587 - - - 66,587 public sector
entitas sektor publik
entities
Laporan Manajemen
Management Report

multilateral

bank pembangunan
multilateral - - - - - - - - - - development banks
dan lembaga and international
winternasional institutions
670
2,057,788 3,006 - - 2,054,781 3,112,225 2,006 - - 3,110,219
bank banks
5 Kredit beragun Residential property
63,555 - - - 63,555 84,017 - - - 84,017
rumah tinggal collateralized loans
6 Rommercial
Kredit beragun
1,473,343 - - - 1,473,343 1,447,093 - - - 1,447,093 property
Company Profile
Profil Perusahaan
properti komersial
7 Kredit pegawai/ Employee/

- - - - - - - - - -
pensiunan retirement loans
usaha mikro, usaha microbusiness,
63,303 5,358 - - 57,945 80,560 7,405 - - 73,155
kecil dan portofolio small business, and
ritel retail portfolio
15,171,710 1,203,243 - - 13,968,467 14,442,295 1,030,446 - - 13,411,848
10 Tagihan yang telah
602,096 - - - 602,096 287,851 - - - 287,851 Due receivables
jatuh tempo
12 Eksposur di Unit
Exposure in Sharia
Usaha Syariah - - - - - - - - - -
(apabila ada)
Total Eksposur Total Balance Sheet

26,702,586 1,211,607 - - - 25,490,979 27,242,589 1,039,858 - - - 26,202,731
Neraca Exposure

Tidak Dijamin Tidak Dijamin
No. Kategori Portofolio Bersih Asuransi Part not Bersih Asuransi Portfolio Category
Part not
Collateral Guarantee Loan Other Collateral Guarantee Loan Other

Insurance Insurance
(8) = (3) - (8) = (3)-
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
B Eksposur Rekening Administrative
Adminsitratif Account Exposure
- - - - - - - - - -
2 Tagihan kepada entitas Receivables from public
- - - - - - - - - -
bank pembangunan multilateral

multilateral dan - - - - - - - - - - development banks

lembaga internasional and international
institutions

4 Tagihan kepada bank 1,281 - - - 1,281 400 - - - 779 Receivables from banks
5 Kredit beragun rumah Residential property
- - - - - - - - - -
671
6 Kredit beragun properti Commercial property
47,113 - - - 47,113 18,907 - - - 18,907
7 Kredit pegawai/ Employee/retirement
- - - - - - - - - -
pensiunan loans
8 Tagihan kepada usaha Receivables from
mikro, usaha kecil dan microbusiness, small
7,392 - - - 7,392 4,850 - - - 4,850
portofolio ritel business, and retail
portfolio
2019 ANNUAL REPORT

590,933 21,917 - - 569,017 462,275 48,002 - - 414,273
10 Tagihan yang telah Due receivables
- - - - - - - - - -
jatuh tempo
11 Eksposur di Unit Usaha Exposure in Sharia
- - - - - - - - - -
Total Eksposur Total Administrative
646,718 21,917 - - - 624,802 486,432 48,002 - - - 438,809
Rekening Administratif Account Exposure

Kategori Tidak Dijamin Tidak Dijamin
No. Bersih Asuransi Part not Bersih Asuransi Portfolio Category
Portofolio Part not
Kilas Kinerja
Insurance Insurance
(8) = (3) - (8) = (3)-
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
C Eksposur Administrative
Counterparty Account Exposure
Credit Risk
- - - - - - - - - -
- - - - - - - - - -
entitas sektor publik public sector entities
Laporan Manajemen
Management Report


4 Tagihan kepada bank Receivables from
- - - - - - - - - -
banks
672
- - - - - - - - - -
- - - - - - - - - -
7 Eksposur di Unit Exposure in Sharia
Usaha Syariah - - - - - - - - - - Business Unit (if any)
Company Profile
Profil Perusahaan
(apabila ada)
Total Eksposur Total Counterparty

Counterparty Credit - - - - - - - - - - - - Credit Risk Exposure
Risk
Total (A+B+C) 27,349,304 1,233,524 - - - 26,115,780 27,729,021 1,087,860 - - - 26,641,540 Total (A+B+C)
Tabel 10.2. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Entitas Anak
Table 10.2. of Disclosure of Net Receivables and Credit Risk Mitigation Technique – Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Portofolio Part not
Net Kredit Net

Agunan Garansi Lainnya Guaranteed Agunan Garansi Kredit Lainnya Guaranteed

Insurance Insurance
(8) = (3) - (8) = (3)-
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
A Eksposur Neraca Balance Sheet
Exposure

6,204,769 - - - 6,204,769 6,535,056 - - - 6,535,056
115,422 - - - 115,422 66,587 - - - 66,587


2,073,829 3,006 - - 2,070,823 3,381,887 2,006 - - 3,407,172
banks
673
221,986 - - - 221,986 306,228 - - - 306,228
6 Kredit beragun Commercial property
1,473,843 - - - 1,473,843 1,447,593 - - - 1,447,593
properti komersial collateralized loans
142 - - - 142 - - - - -
pensiunan loans


70,557 5,358 - - 65,199 86,785 7,405 - - 79,380
2019 ANNUAL REPORT

16,205,608 1,203,243 - - 15,002,365 15,289,582 1,030,446 - - 14,249,939
722,362 - - - 722,362 470,976 - - - 470,976
jatuh tempo

(apabila ada)
Total Eksposur Total Balance Sheet
29,010,632 1,211,607 - - - 27,799,025 29,348,254 1,039,858 - - - 28,326,491
Neraca Exposure

Portofolio Part not
Kilas Kinerja
Insurance Insurance
(8) = (3) - (8) = (3)-
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
B Eksposur Rekening Administrative
Adminsitratif Account Exposure
- - - - - - - - - -
- - - - - - - - - -
3 Tagihan kepada Receivables
bank pembangunan from multilateral
Laporan Manajemen
Management Report


1,281 - - - 1,281 400 - - - 400
banks
4,600 - - - 4,600 0 - - - 0
674
6 Kredit beragun Commercial property
47,113 - - - 47,113 18,907 - - - 18,907
properti komersial collateralized loans
- - - - - - - - - -
pensiunan loans
usaha mikro, usaha microbusiness, small
Company Profile
7,392 - - - 7,392 4,851 - - - 4,851

Profil Perusahaan
kecil dan portofolio business, and retail

ritel portfolio

592,219 21,917 - - 570,302 463,551 48,002 - - 463,551
jatuh tempo 0 - - - 0 2,000 - - - 2,000

(apabila ada)
Total Eksposur Total Administrative
Rekening 652,604 21,917 - - - 630,688 489,709 48,002 - - - 489,709 Account Exposure
Administratif

Portofolio Part not
Collateral Guarantee Loan Other Collateral Guarantee Loan Other

Insurance Insurance
(8) = (3) - (8) = (3)-
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7) (2)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
C Eksposur
Administrative
Counterparty Credit
Account Exposure
Risk
pemerintah - - - - - - - - - -
government

- - - - - - - - - -
3 Tagihan kepada Receivables

bank pembangunan from multilateral

- - - - - - - - - -
banks
675
usaha mikro, usaha microbusiness, small
- - - - - - - - - -
kecil dan portofolio business, and retail
ritel portfolio
- - - - - - - - - -
7 Eksposur di Unit
Usaha Syariah Exposure in Sharia

- - - - - - - - - -
(apabila ada) Business Unit (if any)
2019 ANNUAL REPORT

Total Eksposur
Total Counterparty
Counterparty Credit - - - - - - - - - - - -
Credit Risk Exposure
Risk
Total (A+B+C) 29,663,237 1,233,524 - - - 28,429,713 29,837,963 1,087,860 - - - 28,816,200 Total (A+B+C)
Tabel 11.1. Pengungkapan Transaksi Sekuritisasi - Bank secara Individual
Table 11.1. of Disclosure of Securitization Exposure - Bank, Individually (dalam juta Rp / in million Rp)

Nilai Aset yang Nilai Aset yang
Disekuritisasi Disekuritisasi
yang Mengalami Laba/Rugi yang Mengalami Laba/Rugi
Kilas Kinerja
Penurunan Nilai dari Penurunan Nilai dari

Nilai Aset yang Aktivitas Pengurang Nilai Aset yang Aktivitas Pengurang
Impairment Impairment Exposure to

No. Eksposur Sekuritisasi Disekuritisasi Sekuritisasi ATMR Modal Disekuritisasi Sekuritisasi ATMR Modal
Securitisation Securitisation Securitization
Securitisation Assets Value Profit/ RWA Capital Securitisation Assets Value Profit/ RWA Capital
Assets Value Loss from Deduction Assets Value Loss from Deduction
Telah Belum Securitisation Telah Belum Securitisation
Jatuh Jatuh Activities Jatuh Jatuh Activities
Tempo Tempo Tempo Tempo
Due Not Due Due Not Due
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
1 Bank bertindak sebagai Bank act as original creditor
kreditur asal - Exposure type
- Jenis eksposur - - - - - - - - - - - - (example: loan with
(contoh: tagihan beragun house as collateral)
rumah tinggal)
Laporan Manajemen
Management Report
2 Bank bertindak sebagai Bank act as supporting

penyedia kredit pendukung credit provide
a. Fasilitas penanggung a. First risk insurer facility
risiko pertama - - - - - - - - - - - - - Exposure type
- Jenis eksposur (example: loan with
676
(contoh: tagihan house as collateral)
beragun rumah tinggal)
b. Fasilitas penanggung risiko Second risk insurer facility
kedua - Exposure type
(contoh: tagihan house as collateral)
beragun rumah tinggal)
3 Bank bertindak sebagai Banks act as liquidity facility
Company Profile
Profil Perusahaan
penyedia fasilitas likuiditas provider

- Jenis eksposur - - - - - - - - - - - - - Exposure type
(contoh: tagihan beragun (example: loan with

rumah tinggal) house as collateral)
4 Bank bertindak sebagai Banks act as services
Penyedia Jasa provider
5 Bank bertindak sebagai bank Banks act as custodian bank
kostudian - Exposure type
rumah tinggal)
6 Bank bertindak sebagai pemodal Banks act as capital provider
a. Senior tranche a. Senior tranche
- Jenis eksposur - - - - - - 76,917 - - (1,054) 76,917 - - Exposure type
b. Junior tranche b. Junior tranche

- Jenis eksposur - Exposure type
- - - - - - - - - - - -
(contoh: tagihan (example: loan with
beragun rumah tinggal) house as collateral)
Tabel 11.2. Pengungkapan Transaksi Sekuritisasi - Bank Secara Konsolidasi dengan Entitas Anak
Table 11.2. of Disclosure of Securitization Transaction - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Nilai Aset yang Nilai Aset yang
Disekuritisasi yang Disekuritisasi yang
Mengalami Penurunan Laba/Rugi Mengalami Penurunan Laba/Rugi
Nilai dari Nilai dari
Nilai Aset yang Impairment Aktivitas Pengurang Nilai Aset yang Impairment Aktivitas Pengurang Exposure to
No. Eksposur Sekuritisasi Disekuritisasi Sekuritisasi ATMR Modal Disekuritisasi Sekuritisasi ATMR Modal
Securitisation Assets Securitisation Assets Securitization
Securitisation Value Profit/ RWA Capital Securitisation Value Profit/ RWA Capital
Assets Value Loss from Deduction Assets Value Loss from Deduction
Telah Belum Securitisation Telah Belum Securitisation
Jatuh Jatuh Activities Jatuh Jatuh Activities
Tempo Tempo Tempo Tempo
Due Not Due Due Not Due
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
1 Bank bertindak sebagai Bank act as original
kreditur asal creditor

(contoh: tagihan beragun (example: loan with house

rumah tinggal) as collateral)
2 Bank bertindak sebagai Bank act as supporting

penyedia kredit pendukung credit provide
a. Fasilitas penanggung risiko a. First risk insurer facility
pertama - - - - - - - - - - - - - Exposure type
- Jenis eksposur (example: loan with
677
rumah tinggal)
b. Fasilitas penanggung risiko b. Second risk insurer facility
kedua - Exposure type
rumah tinggal)
3 Bank bertindak sebagai Banks act as liquidity
penyedia fasilitas Likuiditas facility provider

2019 ANNUAL REPORT

(contoh: tagihan beragun (example: loan with house
rumah tinggal) as collateral)
4 Bank bertindak sebagai Banks act as services
penyedia jasa provider
- Jenis eksposur (contoh: - - - - - - - - - - - - - Exposure type
tagihan beragun rumah (example: loan with house
tinggal) as collateral)
5 Bank bertindak sebagai bank Banks act as custodian bank
kostudian - Exposure type
- Jenis eksposur (contoh: - - - - - - - - - - - - (example: loan with
tagihan beragun rumah house as collateral)
tinggal)
6 Bank bertindak sebagai pemodal Banks act as capital provider
a. Senior tranche a. Senior tranche
- Jenis eksposur - - - - - - 76,917 - - (1,054) 76,917 - - Exposure type
b. Junior tranche b. Junior tranche

- Jenis eksposur - Exposure type

- - - - - - - - - - - -

Table 13.1.a. of Disclosure of Asset Exposure in the Balance Sheet (dalam juta Rp / in million Rp)

Kilas Kinerja
No. Kategori Portofolio ATMR Sebelum ATMR Setelah ATMR Sebelum ATMR Setelah Portfolio Category
Tagihan Bersih MRK MRK Tagihan Bersih MRK MRK

Net Receivables Net Receivables
Pre-MRK RWA Past-MRK RWA Pre-MRK RWA Past-MRK RWA
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Tagihan kepada pemerintah 5,451,038 - - 6,088,915 - - Receivables from government
2 Tagihan kepada entitas sektor publik Receivables from public sector entities
115,422 36,178 36,178 66,587 25,716 25,716
3 Tagihan kepada bank pembangunan Receivables from multilateral

multilateral dan lembaga internasional - - - - - - development banks and international
institutions
4 Tagihan kepada bank 2,057,788 447,164 445,660 3,112,225 848,774 847,770 Receivables from banks
Laporan Manajemen
Management Report
5 Kredit beragun rumah tinggal 63,555 18,891 18,891 84,017 35,910 35,910 Residential property collateralized loans

6 Kredit beragun properti komersial 1,473,343 1,473,343 1,473,343 1,447,093 1,447,093 1,447,093 Commercial property collateralized loans
7 Kredit pegawai/pensiunan - - - - - - Employee/retirement loans
678
8 Tagihan kepada usaha mikro, usaha kecil Receivables from microbusiness,
dan portofolio ritel 63,303 47,477 43,459 80,560 60,420 54,866 small business, and retail portfolio
9 Tagihan kepada korporasi 15,171,710 13,017,201 11,813,958 14,442,295 12,539,351 11,508,905 Receivables from corporations
10 Tagihan yang telah jatuh tempo 602,096 760,080 760,080 287,851 317,884 317,884 Due receivables
11 Aset lainnya 1,704,330 - 2,206,856 1,633,046 - 2,048,218 Other assets

Company Profile
Profil Perusahaan
TOTAL 26,702,586 15,800,333 16,798,425 27,242,589 15,275,148 16,286,363 TOTAL

Table 13.1.b. of Disclosure of Commitment Contingency Liabilities Exposure in Administrative Account Transactions (dalam juta Rp / in million Rp)

ATMR Sebelum ATMR Setelah ATMR Sebelum ATMR Setelah

No. Kategori Portofolio Tagihan Bersih Tagihan Bersih Portfolio Category

MRK MRK MRK MRK
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Tagihan kepada pemerintah - - - - - - Receivables from government
2 Tagihan kepada entitas sektor publik - - - - - - Receivables from public sector entities
3 Tagihan kepada bank pembangunan - - - - - - Receivables from multilateral development
4 Tagihan kepada bank 1,281 640 640 400 200 200 Receivables from banks
5 Kredit beragun rumah tinggal - - - - - - Residential property collateralized loans
6 Kredit beragun properti komersial 47,113 47,113 47,113 18,907 18,907 18,907 Commercial property collateralized loans
8 Tagihan kepada usaha mikro, usaha kecil 7,392 5,544 5,544 4,850 3,638 3,638 Receivables from microbusiness,

dan portofolio ritel small business, and retail portfolio
9 Tagihan kepada korporasi 590,933 590,933 569,017 462,275 462,275 414,273 Receivables from corporations
679
10 Tagihan yang telah jatuh tempo - - - - - - Due receivables
TOTAL 646,718 644,230 622,314 486,432 485,019 437,018 TOTAL
2019 ANNUAL REPORT

Table 13.1.c. of Disclosure of Exposure Rising Credit Risk Due to Counterparty Credit Risk (dalam juta Rp / in million Rp)

Kilas Kinerja
Tagihan Bersih Tagihan Bersih
MRK MRK MRK MRK

(1) (2) (3) (4) (5) (6) (7) (8) (2)
4 Tagihan kepada bank - - - - - - Receivables from banks
5 Tagihan kepada usaha mikro, usaha kecil - - - - - - Receivables from microbusiness,
6 Tagihan kepada korporasi - - - - - - Receivables from corporations
Laporan Manajemen
Management Report
TOTAL - - - - - - TOTAL

680

Table 13.1.d. of Disclosure of Securitization Exposure (dalam juta Rp / in million Rp)

Company Profile
Profil Perusahaan
No. Jenis Transaksi Faktor Pengurang Faktor Pengurang Portfolio Category

Modal ATMR Modal ATMR

RWA RWA
Impairment Factor Impairment Factor
(1) (2) (3) (4) (5) (6) (2)
1. Fasilitas kredit pendukung yang memenuhi persyaratan - - - - Eligible supporting credit facility
2. Fasilitas kredit pendukung yang tidak memenuhi persyaratan - - - - Ineligible supporting credit facility
3. Fasilitas likuiditas yang memenuhi persyaratan - - - - Eligible liquidity facility
4. Fasilitas likuiditas yang tidak memenuhi persyaratan - - - - Ineligible liquidity facility

5. Pembelian efek beragun aset yang memenuhi persyaratan - - - - Eligible purchase of assets
Pembelian efek beragun aset yang tidak memenuhi Collateralized securities ineligible purchase of
6. - - - -
persyaratan assets collateralized securities
Eksposur sekuritisasi yang tidak tercakup dalam ketentuan Exposure to securitizations not included in bank indonesia
7. bank indonesia mengenai prinsip-prinsip kehati-hatian - 18,142 - 15,383 regulations concerning the principle of prudence in asset
dalam aktivitas sekuritisasi aset bagi bank umum. securitization activities for public banks.
TOTAL - 18,143 - 15,383 TOTAL

Table 13.1.e. of Disclosure of Total Credit Risk Measurement (dalam juta Rp / in million Rp)
Kategori Portofolio 31 Desember 2019 / 31 December 2019 31 Desember 2018 / 31 December 2018 Portfolio Category
TOTAL ATMR RISIKO KREDIT 17,438,881 16,738,764 TOTAL RWA FOR CREDIT RISK
TOTAL FAKTOR PENGURANG MODAL - - TOTAL IMPAIRMENT FACTOR

Table 13.2.a. of Disclosure of Asset Exposure in the Balance Sheet (dalam juta Rp / in million Rp)

681
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Tagihan kepada pemerintah 6,204,769 - - 6,535,056 - - Receivables from government
2 Tagihan kepada entitas sektor publik 115,422 36,178 36,178 66,587 25,716 25,716 Receivables from public sector entities
- - - - - -
4 Tagihan kepada bank 1,073,824 250,410 248,907 3,381,887 983,621 982,618 Receivables from banks
5 Kredit beragun rumah tinggal 221,986 86,458 86,458 306,228 116,764 116,764 Residential property collateralized loans
2019 ANNUAL REPORT

6 Kredit beragun properti komersial 1,473,843 1,473,843 1,473,843 1,447,593 1,447,593 1,447,593 Commercial property collateralized loans
7 Kredit pegawai/pensiunan 142 71 71 - - - Employee/retirement loans

70,557 52,918 48,899 86,785 65,089 59,535
9 Tagihan kepada korporasi 16,205,608 13,994,113 12,790,870 15,289,582 13,361,790 12,331,344 Receivables from corporations
10 Tagihan yang telah jatuh tempo 722,362 932,194 932,194 470,976 543,909 543,909 Due receivables
11 Aset lainnya 1,922,113 - 2,390,979 1,763,561 - 2,232,895 Other assets
TOTAL 28,010,627 16,826,186 18,008,400 29,348,254 16,544,481 17,740,373 TOTAL
Table 13.2.b. of Disclosure of Commitment Contingency Liabilities Exposure in Administrative Account Transactions (dalam juta Rp / in million Rp)

Kilas Kinerja

(1) (2) (3) (4) (5) (6) (7) (8) (2)
- - - - - -
4 Tagihan kepada bank 1,281 640 640 400 200 200 Receivables from banks
5 Kredit beragun rumah tinggal 4,600 4,600 4,600 0 0 0 Residential property collateralized loans
6 Kredit beragun properti komersial 47,113 47,113 47,113 18,907 18,907 18,907 Commercial property collateralized loans
Laporan Manajemen
Management Report

7,392 5,544 5,544 4,851 3,638 3,638
9 Tagihan kepada korporasi 592,219 592,219 570,302 463,551 463,551 415,549 Receivables from corporations
682
10 Tagihan yang telah jatuh tempo 0 0 0 2,000 3,000 3,000 Due receivables
TOTAL 652,604 650,116 628,199 489,709 489,296 441,294 TOTAL
Company Profile
Profil Perusahaan
Table 13.2.c. of Disclosure of Exposure Rising Credit Risk Due to Counterparty Credit Risk (dalam juta Rp / in million Rp)

(1) (2) (3) (4) (5) (6) (7) (8) (2)
4 Tagihan kepada bank 1,000,006 - - - - - Receivables from banks
5 Tagihan kepada usaha mikro, usaha kecil - - - - - - Receivables from microbusiness,

6 Tagihan kepada korporasi - - - - - - Receivables from corporations
TOTAL 1,000,006 - - - - - TOTAL

Table 13.2.d. of Disclosure of Securitization Exposure (dalam juta Rp / in million Rp)

Faktor Pengurang Faktor Pengurang

No. Jenis Transaksi Modal ATMR Modal ATMR Portfolio Category

Impairment RWA Impairment RWA
Factor Factor
(1) (2) (3) (4) (5) (6) (2)
1. Fasilitas kredit pendukung yang memenuhi persyaratan - - - - Eligible supporting credit facility
Fasilitas kredit pendukung yang tidak memenuhi
2. - - - - Ineligible supporting credit facility
persyaratan
3. Fasilitas likuiditas yang memenuhi persyaratan - - - - Eligible liquidity facility
4. Fasilitas likuiditas yang tidak memenuhi persyaratan - - - - Ineligible liquidity facility

5. Pembelian efek beragun aset yang memenuhi persyaratan - - - - Eligible purchase of assets

Pembelian efek beragun aset yang tidak memenuhi Collateralized securities ineligible purchase of
6. - - - -
persyaratan assets collateralized securities
Eksposur sekuritisasi yang tidak tercakup dalam Exposure to securitizations not included in
683
ketentuan bank indonesia mengenai prinsip-prinsip bank indonesia regulations concerning the
7. - 18,142 - 15,383
kehati-hatian dalam aktivitas sekuritisasi aset bagi bank principle of prudence in asset securitization
umum. activities for public banks.
TOTAL - 18,143 - 15,383 TOTAL

2019 ANNUAL REPORT

Table 13.2.e. of Disclosure of Total Credit Risk Measurement (dalam juta Rp / in million Rp)
Kategori Portofolio 31 Desember 2019 / 31 December 2019 31 Desember 2018 / 31 December 2018 Portfolio Category
TOTAL ATMR RISIKO KREDIT 18.654.742 18.197.050 TOTAL RWA FOR CREDIT RISK
TOTAL FAKTOR PENGURANG MODAL - - TOTAL IMPAIRMENT FACTOR

Tabel 14.1. Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar - Bank secara individual dan secara Konsolidasi dengan Entitas Anak
Table 14.1. of Disclosure of Market Risk Using Standardized Method – Bank, Consolidate with Subsidiaries (dalam juta Rp / in million Rp)

Kilas Kinerja
Bank Konsolidasi Bank Konsolidasi

Bank Consolidate Bank Consolidate

Beban Modal Beban Modal Beban Modal Beban Modal
ATMR ATMR ATMR ATMR
Capital RWA Capital RWA Capital RWA Capital RWA
Expenses Expenses Expenses Expenses
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
1 Risiko Suku Bunga 38,316 478,945 38,316 478,945 18,033 225,409 18,033 225,409 Interest Rate Risk
a. Risiko spesifik 1,330 16,630 1,330 16,630 1,936 24,200 1,936 24,200 a. Specific risk
b. Risiko umum 756 9,454 756 9,454 1,126 14,074 1,126 14,074 b. General risk
2 Risiko Nilai Tukar - - - - - - - - Exchange Rate Risk

Laporan Manajemen
Management Report
3 Risiko Ekuitas *) - - - - - - - - Equity Risk *)

4 Risiko Komoditas *) - - - - - - - - Commodity Risk *)
5 Risiko Option - - - - - - - - Option Risk
684
TOTAL 40,402 505,028 40,402 505,028 21,095 263,683 21,095 263,683 TOTAL
Company Profile
Profil Perusahaan

Tabel 14.2.a. Pengungkapan Eksposur Interest Rate Risk in Banking Book (IRRBB) - Bank secara Individual
Table 14.2.a. of Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposure – Bank, Individually
Pengungkapan eksposur IRRBB yaitu peningkatan atau penurunan earnings dan economic value terhadap pergerakan suku bunga (rate shock assumtion) berdasarkan format gap report yang
disusun Bank dalam rangka pemenuhan ketentuan mengenai penilaian tingkat kesehatan Bank Umum dan penerapan manajemen risiko bagi Bank Umum.
Disclosure of IRRBB exposure, i.e. increase or decrease in earnings and economic value in relation to interest rate (“rate shock assumption”) based on gap report format prepared by the Bank in
order to comply with the provisions on assessment of financial soundness and risk management implementation for commercial banks.
Skenario Shock ΔEVE ΔNII ΔEVE ΔNII Shock Scenario

T T-1 T T-1 T T-1 T T-1

Parallel up (28,826) - 45,665 - - - - - Parallel up

Parallel down (51,010) - (45,665) - - - - - Parallel down
Steepener 73,713 - - - Steepener
Flattener (106,482) - - - Flattener
685
Short rate up (74,000) - - - Short rate up
Short rate down 78,249 - - - Short rate down
Nilai Maksimum Kerugian (absolut) 78,249 - 45,665 - - - - - Maximum Loss Value (absolute)
Modal Tier 1 (untuk ΔEVE) atau Projected Tier 1 Capital (for ΔEVE) or Projected Income
2,309,345 - 223,179 - - - - -
Income (untuk ΔNII) (for ΔNII)
Nilai Maksimum dibagi Modal Tier 1 (untuk Maximum Value divided by Tier 1 Capital (for
3.39% - 20.46% - - - - -
ΔEVE) atau Projected Income (untuk ΔNII) ΔEVE) or Projected Income (for ΔNII)
2019 ANNUAL REPORT

Perhitungan IRRBB tahun 2019 menggunakan metode yang mendekati SEOJK 12/SEOJK.03/2018, meskipun bank buku 2, dalam rangka tingkat kesehatan bank
IRRBB calculation in 2019 used the closest method to SEOJK 12/SEOJK.03/2018, even though buku 2 bank, in the framework of the Bank’s soundness level
Tabel 14.2.b. Pengungkapan Eksposur Interest Rate Risk in Banking Book (IRRBB) - Bank secara Konsolidasi dengan Entitas Anak
Table 14.2.b. of Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposure – Bank, Consolidate with Subsidiaries (dalam juta Rp / in million Rp)
Kilas Kinerja
Skenario Shock ΔEVE ΔNII ΔEVE ΔNII Shock Scenario
T T-1 T T-1 T T-1 T T-1

Parallel up 14,510 - 39,190 - - - - - Parallel up
Parallel down (109,587) - (39,190) - - - - - Parallel down
Steepener 109,543 - - - Steepener
Flattener (128,763) - - - Flattener
Short rate up (70,214) - - - Short rate up

Laporan Manajemen
Management Report
Short rate down 73,605 - - - Short rate down
Nilai Maksimum Kerugian (absolut) 105,943 - 39,190 - - - - - Maximum Loss Value (absolute)

Modal Tier 1 (untuk ΔEVE) atau Projected Tier 1 Capital (for ΔEVE) or Projected Income
2,626,590 - 271,265 - - - - -
Income (untuk ΔNII) (for ΔNII)
686
Nilai Maksimum dibagi Modal Tier 1 (untuk Maximum Value divided by Tier 1 Capital (for
4.03% - 14.44% - - - - -
ΔEVE) atau Projected Income (untuk ΔNII) ΔEVE) or Projected Income (for ΔNII)
Perhitungan IRRBB tahun 2019 menggunakan metode yang mendekati SEOJK 12/SEOJK.03/2018, meskipun bank buku 2, dalam rangka tingkat kesehatan bank
IRRBB calculation in 2019 used the closest method to SEOJK 12/SEOJK.03/2018, even though buku 2 bank, in the framework of the Bank’s soundness level
Company Profile
Profil Perusahaan


Table 15.1.a. of Disclosure of Rupiah Maturity Profile (dalam juta Rp / in million Rp)

Jatuh Tempo Jatuh Tempo
Maturity Maturity
Saldo Saldo
No. Kategori Portofolio > 1 bln s.d. > 3 bln s.d. > 6 bln s.d. > 1 bln s.d. > 3 bln s.d. > 6 bln s.d. Portfolio Category
Balance Balance
< 1 bulan 3 bln 6 bln 12 bln > 12 bulan < 1 bulan 3 bln 6 bln 12 bln > 12 bulan
<1 month >1 to 3 >3 to 6 >6 to 12 >12 months <1 month >1 to 3 >3 to 6 >6 to 12 >12 months
months months months months months months
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
I NERACA BALANCE SHEET

A. Aset A. Assets
1. Kas 36,107 36,107 - - - - 53,923 53,923 - - - - 1. Cash

2. Penempatan pada 2. Placements with
1,693,014 1,693,014 - - - - 1,588,073 1,588,073 - - - -

Bank Indonesia Bank Indonesia
233,935 116,297 24,441 49,345 - 43,853 1,870,732 1,676,490 48,734 96,878 48,630 -
bank lain other banks
687
4. Surat berharga 7,199,176 1,105,379 772,525 103,709 730,201 4,487,361 4,874,574 279,834 222,861 618,489 359,541 3,393,849 4. Securities
5. Kredit yang diberikan 15,695,879 1,027,018 1,594,396 1,907,389 3,173,418 7,993,657 15,071,612 1,120,967 1,683,449 1,764,614 2,336,565 8,166,961 5. Loans disbursed
6. Tagihan lainnya 1,017,543 1,000,006 16,920 - 617 - 71,246 10,742 50,595 9,909 - - 6. Other receivables
7. Lain-lain - - - - - - - - - - - - 7. Others
Total Aset 25,875,654 4,977,820 2,408,283 2,060,443 3,904,236 12,524,871 23,530,160 4,730,029 2,005,638 2,489,890 2,744,736 11,560,810 Total Assets
B. Kewajiban B. Liabilities
2019 ANNUAL REPORT

1. Dana Pihak Ketiga 21,102,949 12,552,570 5,203,678 2,361,394 977,711 7,595 20,289,922 12,624,465 4,592,836 1,787,954 1,284,667 - 1. Third-party Funds
2. Kewajiban pada 2. Liabilities to Bank
- - - - - - - - - - - -
Bank Indonesia Indonesia
3. Kewajiban pada 3. Liabilities to other
726,811 658,972 65,839 - 2,000 - 1,618,853 1,598,843 19,010 - 1,000 -
Bank lain banks
4. Surat Berharga
692,272 - - - - 692,272 591,947 - - - - 591,947 4. Securities issued
yang Diterbitkan
5. Pinjaman yang
- - - - - - - - - - - - 5. Loans received
Diterima
6. Kewajiban lainnya 1,000,842 1,000,842 - - - - 67,898 7,394 50,595 9,909 - - 6. Other liabilities
7. Lain-lain - - - - - - - - - - - - 7. Others
Total Kewajiban 23,522,874 14,212,384 5,269,517 2,361,394 979,711 699,867 22,568,620 14,230,702 4,662,441 1,797,863 1,285,667 591,947 Total Liabilities
Difference between
Selisih Aset dengan
2,352,780 (9,234,564) (2,861,235) (300,951) 2,924,525 11,825,004 961,540 (9,500,673) (2,656,803) 692,027 1,459,069 10,968,863 Assets and Liabilities
Kewajiban dalam Neraca

in the Balance Sheet

Maturity Maturity
Saldo Saldo
No. Kategori Portofolio > 1 bln s.d. > 3 bln s.d. > 6 bln s.d. > 1 bln s.d. > 3 bln s.d. > 6 bln s.d. Portfolio Category
Balance Balance
3 bln 6 bln 12 bln > 12 bulan 3 bln 6 bln 12 bln
< 1 bulan < 1 bulan > 12 bulan
Kilas Kinerja
>12
<1 month >1 to 3 >3 to 6 >6 to 12 <1 month >1 to 3 >3 to 6 >6 to 12 >12 months
months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
REKENING ADMINISTRATIVE
II
ADMINISTRATIF ACCOUNT
A. Tagihan Rekening A. Administrative

Administratif Account Receivables
1. Komitmen - - - - - - - - - - - - 1. Commitment
2. Kontijensi 627,401 627,401 - - - - 552,723 552,723 - - - - 2. Contingencies

Total Tagihan Rekening Total Administrative
627,401 627,401 - - - - 552,723 552,723 - - - -
Laporan Manajemen
Management Report
B. Kewajiban Rekening B. Administrative Account

Administratif Liabilities
1. Komitmen 2,188,438 233,422 263,222 776,626 912,138 3,030 1,799,585 356,788 284,084 455,121 703,592 - 1. Commitment
2. Kontijensi 124,834 54,215 7,786 4,135 58,698 - 326,715 53,058 44,881 87,306 112,709 28,761 2. Contingencies
688
Total Kewajiban Total Administrative
2,313,272 287,637 271,008 780,761 970,836 3,030 2,126,300 409,846 328,965 542,427 816,301 28,761
Rekening Administratif Account Liabilities
Difference between
Selisih Tagihan dan
Receivables and
Kewajiban dalam 339,764 (271,008) (780,761) (970,836) (3,030) 142,877 (328,965) (542,427) (816,301) (28,761)
(1,685,871) (1,573,577) Liabilities in the
Rekening Administratif
Company Profile
Profil Perusahaan
Administrative Account

Selisih Amount of
666,908 (8,894,800) (3,132,243) (1,081,712) 1,953,689 11,821,974 (612,037) (9,357,796) (2,985,768) 149,600 642,768 10,940,102
[(IA-IB)+(IIA-IIB)] [(IA-IB)+(IIA-IIB)]
Selisih Kumulatif (8,894,800) (12,027,043) (13,108,755) (11,155,066) 666,908 (9,357,796) (12,343,564) (12,193,963) (11,551,195) (611,093) Cumulative Amount
Tabel 15.1.b. Pengungkapan Profil Maturitas Valas

Table 15.1.b. of Disclosure of Foreign Exchange Maturity Profile (dalam juta Rp / in million Rp)

Maturity Maturity
Saldo Saldo Portfolio
No. Kategori Portofolio > 1 bln s.d. > 3 bln s.d. > 6 bln s.d. > 1 bln s.d. > 3 bln s.d. > 6 bln s.d.
Balance Balance Category
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
A. Aset A. Assets
1. Kas 2,622 2,622 - - - - 1,241 1,241 - - - - 1. Cash

40,537 40,537 - - - - 27,610 27,610 - - - -

3. Penempatan 3. Placements with
94,517 94,517 - - - - 223,854 223,854 - - - -
pada bank lain other banks
689
4. Surat berharga - - - - - - - - - - - - 4. Securities
5. Kredit yang diberikan 512,627 48,589 - 94,903 - 369,135 87,416 - - 52,185 - 35,231 5. Loans disbursed
6. Tagihan lainnya 49,006 17,754 31,252 - - - 93,297 16,149 16,796 38,078 22,275 - 6. Other receivables
7. Lain-lain - - - - - - - - - - - - 7. Others
Total Aset 699,309 204,019 31,252 94,903 - 369,135 433,419 268,854 16,796 90,263 22,275 35,231 Total Assets
2019 ANNUAL REPORT

1. Dana pihak ketiga 665,394 549,200 107,871 7,215 1,107 - 304,712 304,712 - - - - 1. Third-party funds
2. Kewajiban pada 2. Liabilities to
- - - - - - - - - - - -
3. Kewajiban pada 3. Liabilities to
- - - - - - - - - - - -
bank lain other banks
4. Surat berharga yang 4. Securities
- - - - - - - - - - - -
diterbitkan issued
5. Pinjaman yang
- - - - - - - - - - - - 5. Loans received
diterima
6. Kewajiban lainnya 49,006 49,006 - - - - 93,297 16,149 16,796 38,078 22,275 - 6. Other liabilities
7. Lain-lain - - - - - - - - - - - - 7. Others
Total Kewajiban 714,400 598,206 107,871 7,215 1,107 - 398,010 320,861 16,796 38,078 22,275 - Total Liabilities
Difference between
Selisih Aset dengan
(15,091) (394,187) (76,619) 87,688 (1,107) 369,135 35,409 (52,007) - 52,185 - 35,231 Assets and Liabilities
Kewajiban dalam Neraca
in the Balance Sheet

Maturity Maturity
Kategori Saldo Saldo
No. > 1 bln s.d. > 3 bln s.d. > 6 bln s.d. > 1 bln s.d. > 3 bln s.d. > 6 bln s.d. Portfolio Category
Portofolio Balance Balance
Kilas Kinerja

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
REKENING ADMINISTRATIVE
II
ADMINISTRATIF ACCOUNT
A. Tagihan Rekening A. Administrative
1. Komitmen 20,824 20,824 - - - - 28,760 28,760 - - - - 1. Commitment
2. Kontijensi - - - - - - - - - - - - 2. Contingencies
Total Tagihan
Total Administrative
Rekening 20,824 20,824 - - - - 28,760 28,760 - - - -
Account Receivables
Administratif
Laporan Manajemen
Management Report

B. Kewajiban B. Administrative
Rekening Account
1. Komitmen 63,596 27,765 7,455 9,218 - 19,158 146,302 71,037 18,881 55,665 - 719 1. Commitment
690
2. Kontijensi - - - - - 43,758 - - - 43,758 - 2. Contingencies
Total Kewajiban
Total Administrative
Rekening 63,596 27,765 7,455 9,218 - 19,158 190,060 71,037 18,881 55,665 43,758 719
Account Liabilities
Administratif
Company Profile
Profil Perusahaan
Difference between
Selisih Tagihan
Receivables and
dan Kewajiban

(42,772) (6,941) (7,455) (9,218) - (19,158) (161,300) (42,277) (18,881) (55,665) (43,758) (719) Liabilities in the
dalam Rekening
Administrative
Administratif
Account
Selisih [(IA- Amount of

(57,863) (401,128) (84,074) 78,470 (1,107) 349,977 (125,891) (94,284) (18,881) (3,480) (43,758) 34,512
IB)+(IIA-IIB)] [(IA-IB)+(IIA-IIB)]
Selisih Kumulatif - (401,128) (485,203) (406,733) (407,840) (57,863) - (94,284) (113,165) (116,645) (160,403) (125,891) Cumulative Amount

Table 15.2.a. of Disclosure of Rupiah Maturity Profile (dalam juta Rp / in million Rp)

Due Date Due Date
Saldo > 3 bln Saldo
No. Pos-pos > 1 bln > 6 bln s.d. > 3 bln > 6 bln s.d. Pos-pos
Balance s.d. 6 Balance > 1 bln s.d.
s.d. 3 bln 12 bln > 12 bulan s.d. 6 12 bln
< 1 bulan bln < 1 bulan 3 bln > 12 bulan
> 1 month > 6 month > 12 bln > 6 month
< 1 month >3 < 1 month > 1 month > 12 month
to 3 to 12 month > 3 month to 12
month to to 3 month
month month to 6 month month
6 month
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)

A. Aset A. Asset
1. Kas 38,034 38,034 - - - - 56,435 56,435 - - - - 1. Cash

2. Penempatan pada Bank
1,869,099 1,869,099 - - - - 1,653,451 1,653,451 - - - - 2. Placements with Bank Indonesia
Indonesia
691
3. Penempatan pada bank lain 238,568 120,930 24,441 49,345 - 43,853 2,139,971 1,945,729 48,734 96,878 48,630 - 3. Placements with other banks
4. Surat berharga 7,911,480 1,127,949 803,021 103,709 758,740 5,118,061 5,282,996 279,834 276,820 618,489 371,603 3,736,250 4. Securities
5. Kredit yang diberikan 16,927,493 1,089,763 1,720,389 2,115,657 3,503,742 8,497,941 15,159,025 64,059 1,832,285 1,961,011 2,611,750 8,689,920 5. Loans disbursed
6. Tagihan lainnya 1,017,543 1,000,006 16,920 - 617 - 71,246 10,742 50,595 9,909 - - 6. Other receivables
7. Lain-lain 23,489 - 23,489 - - - 17,213 - 17,213 - - - 7. Others
Total Aset 28,025,706 5,245,781 2,588,260 2,268,710 4,263,099 13,659,855 24,380,337 4,010,250 2,225,646 2,686,288 3,031,983 12,426,170 Total Assets
2019 ANNUAL REPORT

1. Dana pihak ketiga 22,632,434 13,215,257 5,556,963 2,599,090 1,253,529 7,595 21,781,363 13,538,419 4,992,387 1,856,150 1,394,407 - 1. Third-party funds
2. Kewajiban pada Bank
- - - - - - - - - - - - 2. Liabilities to Bank Indonesia
Indonesia
3. Kewajiban pada Bank Lain 1,090,810 919,971 168,839 - 2,000 - 1,943,553 1,881,043 61,510 - 1,000 - 3. Liabilities to other banks
4. Surat Berharga yang
692,272 - - - - 692,272 591,947 - - - - 591,947 4. Securities issued
diterbitkan
5. Pinjaman yang diterima - - - - - - - - - - - - 5. Loans received
6. Kewajiban lainnya 1,000,842 1,000,842 - - - - 67,898 7,394 50,595 9,909 - - 6. Other liabilities
7. Lain-lain 2,467 - 2,467 - - - 427 - 427 - - - 7. Others
Total Kewajiban 25,418,824 15,136,070 5,728,268 2,599,090 1,255,529 699,867 24,385,188 15,426,856 5,104,920 1,866,059 1,395,407 591,947 Total Liabilities
Selisih Aset dengan Kewajiban Difference between Assets and

2,606,882 (9,890,290) (3,140,008) (330,380) 3,007,570 12,959,988 (4,851) (11,416,605) (2,879,273) 820,228 1,636,576 11,834,223
dalam Neraca Liabilities in the Balance Sheet


Due Date Due Date
Saldo > 3 bln Saldo
No. Pos-pos > 1 bln > 6 bln s.d. > 3 bln > 6 bln s.d. Pos-pos
Balance s.d. 6 Balance > 1 bln s.d.
s.d. 3 bln 12 bln > 12 bulan s.d. 6 12 bln
Kilas Kinerja
< 1 bulan bln < 1 bulan 3 bln > 12 bulan

> 1 month > 6 month > 12 bln > 6 month
< 1 month >3 < 1 month > 1 month > 12 month
to 3 to 12 month > 3 month to 12

month to to 3 month
month month to 6 month month
6 month
II REKENING ADMINISTRATIF ADMINISTRATIVE ACCOUNT
A. Tagihan Rekening A. Administrative Account
Administratif Receivables
1. Komitmen - - - - - - - - - - - - 1. Commitment
2. Kontijensi 627,401 627,401 - - - - 627,434 627,434 - - - - 2. Contingencies
Total Tagihan Rekening Total Administrative Account
627,401 627,401 - - - - 627,434 627,434 - - - -
Laporan Manajemen
Management Report
B. Kewajiban Rekening B. Administrative Account


1. Komitmen 2,211,537 256,521 263,222 776,626 912,138 3,030 1,809,639 366,842 284,084 455,121 703,592 - 1. Commitment
2. Kontijensi 124,834 54,215 7,786 4,135 58,698 - 329,247 55,590 44,881 87,306 112,709 28,761 2. Contingencies
Total Kewajiban Rekening Total Administrative Account
692
2,336,371 310,736 271,008 780,761 970,836 3,030 2,138,886 422,432 328,965 542,427 816,301 28,761
Difference between Receivables

Selisih Tagihan dan Kewajiban and
(1,708,970) 316,665 (271,008) (780,761) (970,836) (3,030) (1,511,451) 205,003 (328,965) (542,427) (816,301) (28,761)
dalam Rekening Administratif Liabilities in the Administrative
Account
Company Profile
Profil Perusahaan
Selisih [(IA-IB)+(IIA-IIB)] 897,911 (9,573,625) (3,411,016) (1,111,141) 2,036,734 12,956,958 (1,516,302) (11,211,603) (3,208,238) 277,801 820,275 11,805,462 Amount of [(IA-IB)+(IIA-IIB)]

Selisih Kumulatif - (9,573,625) (12,984,641) (14,095,781) (12,059,047) 897,911 - (11,211,603) (14,419,841) (14,142,039) (13,321,764) (1,516,302) Cumulative Amount
Tabel 15.2.b. Pengungkapan Profil Maturitas Valas - Bank secara Konsolidasi dengan Perusahaan Anak
Table 15.2.b. of Disclosure of Foreign Exchange Maturity Profile - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Due Date Due Date
Saldo > 3 bln > 6 bln s.d. Saldo > 3 bln > 6 bln s.d.
No. Pos-pos Pos-pos
Balance > 1 bln s.d. Balance > 1 bln s.d.
s.d. 6 12 bln s.d. 6 12 bln
< 1 bulan 3 bln > 12 bulan < 1 bulan 3 bln > 12 bulan
bln > 6 month bln > 6 month
< 1 month > 1 month > 12 month < 1 month > 1 month > 12 month
> 3 month to 12 > 3 month to 12
to 3 month to 3 month
to 6 month month to 6 month month
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)

A. Aset A. Asset
1. Kas 2,622 2,622 - - - - 1,241 1,241 - - - - 1. Cash

2. Penempatan pada Bank 2. Placements with Bank
40,537 40,537 - - - - 27,610 27,610 - - - -
Indonesia Indonesia
3. Penempatan pada bank 3. Placements with other
94,517 94,517 - - - - 223,854 223,854 - - - -
lain banks
693
4. Surat berharga - - - - - - - - - - - - 4. Securities
5. Kredit yang diberikan 512,627 48,589 - 94,903 - 369,135 87,416 - - 52,185 - 35,231 5. Loans disbursed
6. Tagihan lainnya 49,006 17,754 31,252 - - - 93,297 16,149 16,796 38,078 22,275 - 6. Other receivables
7. Lain-lain - - - - - - - - - - - - 7. Others
Total Aset 699,309 204,019 31,252 94,903 - 369,135 433,419 268,854 16,796 90,263 22,275 35,231 Total Assets
2019 ANNUAL REPORT

1. Dana pihak ketiga 665,394 549,200 107,871 7,215 1,107 - 304,712 304,712 - - - - 1. Third-party funds
2. Kewajiban pada Bank 2. Liabilities to Bank
- - - - - - - - - - - -
Indonesia Indonesia
3. Kewajiban pada bank
- - - - - - - - - - - - 3. Liabilities to other banks
lain
4. Surat Berharga yang
- - - - - - - - - - - - 4. Securities issued
diterbitkan
5. Pinjaman yang diterima - - - - - - - - - - - - 5. Loans received
6. Kewajiban lainnya 49,006 49,006 - - - - 93,297 16,149 16,796 38,078 22,275 - 6. Other liabilities
7. Lain-lain - - - - - - - - - - - - 7. Others
Total Kewajiban 714,400 598,206 107,871 7,215 1,107 - 398,010 320,861 16,796 38,078 22,275 - Total Liabilities
Due Date Due Date
Saldo > 3 bln > 6 bln s.d. Saldo > 3 bln > 6 bln s.d.
No. Pos-pos Pos-pos
Balance > 1 bln s.d. Balance > 1 bln s.d.
s.d. 6 12 bln s.d. 6 12 bln
< 1 bulan 3 bln > 12 bulan < 1 bulan 3 bln > 12 bulan
bln > 6 month bln > 6 month
< 1 month > 1 month > 12 month < 1 month > 1 month > 12 month
> 3 month to 12 > 3 month to 12
Kilas Kinerja
to 3 month to 3 month
to 6 month month to 6 month month
II REKENING ADMINISTRATIF ADMINISTRATIVE ACCOUNT

A. TAGIHAN REKENING A. ADMINISTRATIVE ACCOUNT
ADMINISTRATIF RECEIVABLES
1. Komitmen 20,824 20,824 - - - - 28,760 28,760 - - - - 1. Commitment
2. Kontijensi - - - - - - - - - - - - 2. Contingencies
Total Tagihan Rekening Total Administrative Account
20,824 20,824 - - - - 28,760 28,760 - - - -
B. Kewajiban Rekening
B. Administrative Account Liabilities
Administratif
1. Komitmen 63,596 27,765 7,455 9,218 - 19,158 146,302 71,037 18,881 55,665 - 719 1. Commitment
Laporan Manajemen
Management Report
2. Kontijensi - - - - - 43,758 - - - 43,758 - 2. Contingencies

Total Kewajiban Rekening Total Administrative Account
Administratif 63,596 27,765 7,455 9,218 - 19,158 190,060 71,037 18,881 55,665 43,758 719 Liabilities
- - - - - - - - - -
694
Difference between Receivables and
Selisih Tagihan dan Kewajiban
(42,772) (6,941) (7,455) (9,218) - (19,158) (161,300) (42,277) (18,881) (55,665) (43,758) (719) Liabilities in the Administrative
dalam Rekening Administratif
Account
Selisih [(IA-IB)+(IIA-IIB)] (57,863) (401,128) (84,074) 78,470 (1,107) 349,977 (125,891) (94,284) (18,881) (3,480) (43,758) 34,512 Amount of [(IA-IB)+(IIA-IIB)]
Company Profile
Selisih Kumulatif Cumulative Amount

Profil Perusahaan
- (401,128) (485,203) (406,733) (407,840) (57,863) - (94,284) (113,165) (116,645) (160,403) (125,891)

Tabel 16.1. Pengungkapan Kuantitatif Risiko Operasional – Bank secara Individual

Table 16.1. of Disclosure of Operational Risk Quantitative - Bank Individually (dalam juta Rp / in million Rp)

Pendapatan Bruto Pendapatan Bruto
(Rata-rata 3 tahun (Rata-rata 3 tahun

No. Pendekatan yang Digunakan Beban Modal Beban Modal Approach Used
terakhir) ATMR terakhir) ATMR
Capital RWA Capital RWA
Gross Revenue Gross Revenue
Expenses Expenses
(Last 3 Years’ (Last 3 Years’
Average) Average)
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Pendekatan indikator dasar 635,161 95,274 1,190,926 546,463 81,969 1,024,619 Basic indicator approach
TOTAL 635,161 95,274 1,190,926 546,463 81,969 1,024,619 TOTAL


Tabel 16.2. Pengungkapan Kuantitatif Risiko Operasional – Bank secara Konsolidasi dengan Perusahaan Anak
695
Table 16.2. of Disclosure of Operational Risk Quantitative - Bank, Consolidated with Subsidiaries (dalam juta Rp / in million Rp)

Pendapatan Bruto Pendapatan Bruto
(Rata-rata 3 tahun (Rata-rata 3 tahun
No. Pendekatan yang Digunakan Beban Modal Beban Modal Approach Used
terakhir) ATMR terakhir) ATMR
Capital Capital
Gross Revenue RWA Gross Revenue RWA

Expenses Expenses
(Last 3 Years’ (Last 3 Years’
2019 ANNUAL REPORT

Average) Average)
(1) (2) (3) (4) (5) (6) (7) (8) (2)
1 Pendekatan indikator dasar 690,605 103,591 1,294,885 609,763 88,856 1,110,702 Basic indicator approach
TOTAL 690,605 103,591 1,294,885 609,763 88,856 1,110,702 TOTAL

Referensi POJK dan Kriteria ARA
// Reference to POJK and ARA Criteria
Kriteria Penjelasan Halaman

Criteria Descriptions Page
Umum
General
Laporan tahunan disajikan dalam bahasa √

Indonesia yang baik dan benar dan dianjurkan
menyajikan juga dalam bahasa Inggris
The annual report is presented in proper
and correct Bahasa Indonesia and is
recommended to be presented in English as
well
Laporan tahunan dicetak dengan kualitas √

yang baik dan menggunakan jenis dan ukuran
huruf yang mudah dibaca
The annual report is printed in fine quality,
with easy-to-read font types and sizes.
Laporan tahunan mencantumkan identitas Nama perusahaan dan tahun annual report ditampilkan di: √
perusahaan dengan jelas 1. Sampul muka;
The annual report presents clear identity of 2. Samping;
the company 3. Sampul belakang; dan
4. Setiap halaman.
Company name and the year of the Annual Report are shown in:
1. Front cover;
2. Side margin;
3. Back cover; and
4. Each page.
Laporan tahunan ditampilkan di website Mencakup laporan tahunan terkini dan paling kurang 4 tahun terakhir. 12
perusahaan Including current annual report and the annual reports from at least the last four
The annual report is available at company (4) years.
website
Ikhtisar Data Keuangan Penting

Key Financial Highlights
Informasi hasil usaha perusahaan dalam Informasi memuat antara lain:

bentuk perbandingan selama 3 (tiga) tahun 1. Penjualan/pendapatan usaha;
buku atau sejak memulai usahanya jika 2. Laba (rugi):
perusahaan tersebut menjalankan kegiatan a. Diatribusikan kepada pemilik entitas induk; dan
usahanya selama kurang dari 3 (tiga) tahun b. Diatribusikan kepada kepentingan nonpengendali;
Information on Company’s operating results 3. Penghasilan komprehensif periode berjalan:
with comparisons of 3 (three) fiscal years a. Diatribusikan kepada pemilik entitas induk; dan
or since the starting of the company if the b. Diatribusikan kepada kepentingan nonpengendali; dan
business activities have run for less than three 4. Laba (rugi) per saham.
(3) years Catatan: Apabila perusahaan tidak memiliki entitas anak, perusahaan menyajikan
laba (rugi) dan penghasilan komprehensif periode berjalan secara total.
The information encloses, among others:

1. Sales/revenues;
2. Profit (loss):
a. Attributable to the owner of the holding entity; and
b. Attributable to non-controlling interest
3. Total comprehensive profit (loss) and other comprehensive income:
a. Attributable to the owner of the holding entity; and
b. Attributable to non-controlling interest; and
4. Profit (Loss) per Share
Note: For a company with no subsidiaries, the company presents the profit (loss)
and other profit (loss) and other comprehensive income in total.

Informasi posisi keuangan perusahaan dalam Informasi memuat antara lain: 10-12
bentuk perbandingan selama 3 (tiga) tahun 1. Jumlah investasi pada entitas asosiasi;
buku atau sejak memulai usahanya jika 2. Jumlah aset;
perusahaan tersebut menjalankan kegiatan 3. Jumlah liabilitas; dan
usahanya selama kurang dari 3 (tiga) tahun 4. Jumlah ekuitas.
Information on Company’s financial position The information encloses, among others:
with comparisons of three (3) fiscal years 1. Total investments in associates;
or since the starting of the company if the 2. Total assets;
business activities have run for less than three 3. Total liabilities; and
(3) years 4. Total equity.
Rasio keuangan dalam bentuk perbandingan Informasi memuat 5 (lima) rasio keuangan yang umum dan relevan dengan industri 13-14
selama 3 (tiga) tahun buku atau sejak perusahaan.
memulai usahanya jika perusahaan tersebut The information encloses five (5) financial ratios that are common and relevant to
menjalankan kegiatan usahanya selama
company’s industry.
kurang dari 3 (tiga) tahun
Financial ratios with comparisons of three
(3) fiscal years or since the starting of the
company if the business activities have run for
less than three (3) years
Informasi harga saham dalam bentuk tabel 1. Jumlah saham yang beredar; 17-18
dan grafik 2. Informasi dalam bentuk tabel yang memuat:
Information on stock price in tables and charts a. Kapitalisasi pasar berdasarkan harga pada Bursa Efek tempat saham
dicatatkan;
b. Harga saham tertinggi, terendah, dan penutupan berdasarkan harga pada
Bursa Efek tempat saham dicatatkan; dan
c. Volume perdagangan saham pada Bursa Efek tempat saham dicatatkan.
3. Informasi dalam bentuk grafik yang memuat paling kurang:
a. Harga penutupan berdasarkan harga pada Bursa Efek tempat saham
dicatatkan; dan
b. Volume perdagangan saham pada Bursa Efek tempat saham dicatatkan.
Untuk setiap masa triwulan dalam 2 (dua) tahun buku terakhir.
Catatan: apabila perusahaan tidak memiliki kapitalisasi pasar, informasi harga
saham, dan volume perdagangan saham, agar diungkapkan.
1. Number of outstanding shares:

2. The information in tables and charts covers
a. Market capitalization by prices in Stock Exchange where the shares are
listed;
b. The highest, lowest, and closing price of shares; and
c. Trading volume where the shares are listed.
3. Information in charts contains at least:
a. Closing price and share trading volume
b. Trading volume where the shares are listed
For each quarter of the last two (2) fiscal years.
Note: if the company shall disclose information on share prices and trading volume
if such company does not have market capitalization.

Informasi mengenai obligasi, sukuk atau Informasi memuat: 20-21

obligasi konversi yang masih beredar dalam 2 1. Jumlah obligasi/sukuk/obligasi konversi yang beredar (outstanding);
(dua) tahun buku terakhir 2. Tingkat bunga/imbalan;
Information on outstanding bonds, sukuk, 3. Tanggal jatuh tempo; dan
4. Peringkat obligasi/sukuk tahun 2015 dan 2018.
or convertible bonds of the last two (2) fiscal
Catatan: apabila perusahaan tidak memiliki obligasi/sukuk/ obligasi konversi,agar
years
diungkapkan.
The information covers:
1. Number of outstanding bonds/sukuk/convertible bonds;
2. Interest rate/yield;
3. Maturity date; and
4. Bonds/sukuk rating in 2015 and 2016.
Note: if the company shall disclose information on outstanding bonds, sukuk, or
convertible bonds if such company does not have market capitalization.
Laporan Dewan Komisaris dan Direksi

Board of Commissioners and Board of Directors Reports
Laporan Dewan Komisaris Memuat hal-hal sebagai berikut: 44-48

Board of Commissioners Report 1. Penilaian atas kinerja Direksi mengenai pengelolaan perusahaan dan dasar
penilaiannya;
2. Pandangan atas prospek usaha perusahaan yang disusun oleh Direksi dan dasar
pertimbangannya;
3. Pandangan atas penerapan/pengelolaan whistleblowing system (WBS)
diperusahaan dan peran Dewan Komisaris dalam WBS tersebut; dan
4. Perubahan komposisi Dewan Komisaris (jika ada) dan alasan perubahannya.
Containing the following:
1. Assessment on Board of Directors’ performance on company management and
the basis for the assessment;
2. Perspective on company business outlook set by Board of Directors and its
consideration basis;
3. Prospective on the implementation/management of whistleblowing system
(WBS) in the company and the role of Board of Commissioners in such WBS; and
4. Changes in Board of Commissioners’ composition and the reason behind the
change (if any).
Laporan Direksi Memuat hal-hal sebagai berikut: 50-54

Board of Directors Report 1. Analisis atas kinerja perusahaan, yang mencakup antara lain:
a. Kebijakan strategis;
b. Perbandingan antara hasil yang dicapai dengan yang ditargetkan; dan
c. Kendala-kendala yang dihadapi perusahaan dan langkah-langkah
penyelesaiannya;
2. Analisis tentang prospek usaha;
3. Perkembangan penerapan tata kelola perusahaan pada tahun buku; dan
4. Perubahan komposisi anggota Direksi (jika ada) dan alasan perubahannya.
1. Analysis on company performance, which among others covers:
a. Strategic policies;
b. Comparisons between realizations and targets; and
c. Challenges faced by the company and its settlement measures.
2. Analysis on business outlook;
3. Development of the implementation of corporate governance in the fiscal year;
and
4. Changes in Board of Director’s composition and the reason behind the change (if any)

Tanda tangan anggota Dewan Komisaris dan Memuat hal-hal sebagai berikut: 56-57
anggota Direksi 1. Tanda tangan dituangkan pada lembaran tersendiri;
Board of Directors and Board of 2. Pernyataan bahwa Dewan Komisaris dan Direksi bertanggung jawab penuh atas
kebenaran isi laporan tahunan;
Commissioners’ signatures
3. Ditandatangani seluruh anggota Dewan Komisaris dan anggota Direksi dengan
menyebutkan nama dan jabatannya; dan
4. Penjelasan tertulis dalam surat tersendiri dari yang bersangkutan dalam
hal terdapat anggota Dewan Komisaris atau anggota Direksi yang tidak
menandatangani laporan tahunan, atau penjelasan tertulis dalam surat
tersendiri dari anggota yang lain dalam hal tidak terdapat penjelasan tertulis dari
yang bersangkutan.
1. Signatures are given on separate sheets;
2. Statement of full accountability on the accuracy of the annual report contents
by Board of Directors and Board of Commissioners;
3. Signed by all members of Board of Commissioners and Board of Directors by
stating names and positions; and
4. Written explanation in separate letter from the person(s) concerned in the
event that a member of Board of Commissioners or Board of Directors fails to
sign the annual report, or written explanation in separate letter from the other
member(s) in the event that the person(s) concerned fails to provide a written
explanation.
Profil Perusahaan
Company Profile
Nama dan alamat lengkap perusahaan Informasi memuat antara lain: nama dan alamat, kode pos, no. Telp, no. Fax, email, 60-61
Name and complete address of the company dan website.
The information contains among others: name and address, postal code, phone
number(s), facsimile, e-mail, and website address.
Riwayat singkat perusahaan Mencakup antara lain: tanggal/tahun pendirian, nama, perubahan nama perusahaan 62-63
Brief history of the company (jika ada), dan tanggal efektif perubahan nama perusahaan.
Catatan: apabila perusahaan tidak pernah melakukan perubahan nama, agar
diungkapkan
Consisting among others: date/year of establishment, name, changes in company
name (if any), and effective date for such changes in company name.
Note: explanation shall be given in the event that the entity has never made any
change to the name
Bidang usaha Uraian mengenai antara lain: 73-83

Line of business 1. Kegiatan usaha perusahaan menurut anggaran dasar terakhir;
2. Kegiatan usaha yang dijalankan; dan
3. Produk dan/atau jasa yang dihasilkan.
Description of, among others:
1. Company’s business activities in accordance with the latest articles of
association;
2. Business activities engaged; and
3. Generated products and/or services
Struktur Organisasi Dalam bentuk bagan, meliputi nama dan jabatan paling kurang sampai dengan 86-87
Organizational Structure struktur satu tingkat di bawah direksi.
In a chart, consisting of names and positions, at least up to one level under the
Board of Directors.
Visi, Misi, dan Budaya Perusahaan Mencakup: 67-73

Company Vision, Mission, and Culture 1. Visi perusahaan;
2. Misi perusahaan;
3. Keterangan bahwa visi dan misi tersebut telah direviu dan disetujui oleh Direksi/
Dewan Komisaris pada tahun buku; dan
4. Pernyataan mengenai budaya perusahaan (corporate culture) yang dimiliki
Perusahaan.
Containing:
1. Company vision;
2. Company mission;
3. Explanation that the vision and mission have been reviewed and agreed upon by
Board of Directors/Board of Commissioners.
4. Statement on corporate culture adhered by the company.

Identitas dan riwayat hidup singkat anggota Informasi memuat antara lain: 88-91
Dewan Komisaris 1. Nama;
Identity and brief CV of Board of Commissioners 2. Jabatan dan periode jabatan (termasuk jabatan pada perusahaan atau lembaga lain);
3. Umur;
members
4. Domisili;
5. Pendidikan (Bidang Studi dan Lembaga Pendidikan);
6. Pengalaman kerja (Jabatan, Instansi, dan Periode Menjabat); dan
7. Riwayat penunjukkan (periode dan jabatan) sebagai anggota Dewan Komisaris di
Perusahaan sejak pertama kali ditunjuk.
1. Name;
2. Position and term of office (including position in the company or other institutions);
3. Age;
4. Domicile;
5. Educations (Field of Study and Educational Institution);
6. Work experience (Position, Institution, and Term of Office);
7. History of the appointment (period and position) as Board of Commissioners’
member since initial appointment.
Identitas dan riwayat hidup singkat anggota Informasi memuat antara lain: 92-97
Direksi 1. Nama;
Identity and brief CV of Board of Commissioners 2. Jabatan dan periode jabatan (termasuk jabatan pada perusahaan atau lembaga lain);
3. Umur;
members
4. Domisili;
5. Pendidikan (Bidang Studi dan Lembaga Pendidikan);
6. Pengalaman kerja (Jabatan, Instansi, dan Periode Menjabat); dan
7. Riwayat penunjukkan (periode dan jabatan) sebagai anggota Direksi di
Perusahaan sejak pertama kali ditunjuk.
1. Name;
2. Position and term of office (including position in the company or other institutions);
3. Age;
4. Domicile;
5. Educations (Field of Study and Educational Institution);
6. Work experience (Position, Institution, and Term of Office);
7. History of the appointment (period and position) as Board of Commissioners’
member since initial appointment.
Jumlah karyawan (komparatif 2 tahun) dan Informasi memuat antara lain: 255-270 ; 275-277
data pengembangan kompetensi karyawan 1. Jumlah karyawan untuk masing-masing level organisasi;
yang mencerminkan adanya kesempatan 2. Jumlah karyawan untuk masing-masing tingkat pendidikan;
untuk masing-masing level organisasi 3. Jumlah karyawan berdasarkan status kepegawaian;
Total number of employees (2 years’ 4. Data pengembangan kompetensi karyawan yang telah dilakukan pada tahun
buku yang terdiri dari pihak (level jabatan) yang mengikuti pelatihan, jenis
comparison) and data of competency
pelatihan, dan tujuan pelatihan; dan
development that reflects the opportunity for
5. Biaya pengembangan kompetensi karyawan yang telah dikeluarkan pada tahun
every organizational level buku.
1. Number of employees for each organizational level;
2. Number of employees for each educational level;
3. Number of employees by employment status;
4. Data of undertaken employee competency developments in fiscal year
containing parties (Position level) attending the training, type of trainings, and
purpose of trainings; and
5. Incurred costs for employee competency development in the fiscal year.

Komposisi Pemegang saham Mencakup antara lain: 119-122

Shareholder Competition 1. Rincian nama pemegang saham yang meliputi 20 pemegang saham terbesar dan
persentase kepemilikannya;
2. Rincian pemegang saham dan persentase kepemilikannya meliputi:
a. Nama pemegang saham yang memiliki 5% atau lebih saham; dan
b. Kelompok pemegang saham masyarakat dengan kepemilikan saham masing-
masing kurang dari 5%.
3. Nama Direktur dan Komisaris serta persentase kepemilikan sahamnya secara
langsung dan tidak langsung.
Catatan: apabila Direktur dan Komisaris tidak memiliki saham langsung dan tidak
langsung, agar diungkapkan.
Containing, among others:

1. Detailed name of shareholders covering 20 largest shareholders and their
shareholding percentage;
2. Details of shareholders and their shareholding percentage, which include:
a. Name of shareholders with 5% or more percent of shares;
b. Public shareholding groups with their respective shareholding of less than 5%.
3. Name of Directors and Commissioners holding direct or indirect shares and
their percentages;
Note: Explanation shall be given in the event of Directors and Commissioners do
not hold direct or indirect shares.
Daftar entitas anak dan/atau entitas asosiasi Dalam bentuk tabel memuat informasi antara lain: 128-131
List of subsidiaries and/or associates 1. Nama entitas anak dan/atau asosiasi;
2. Persentase kepemilikan saham;
3. Keterangan tentang bidang usaha entitas anak dan/atau entitas asosiasi; dan
4. Keterangan status operasi entitas anak dan/atau entitas asosiasi (telah
beroperasi atau belum beroperasi).
In the form of table containing the following information:
1. Names of subsidiaries and/or associates;
2. Shareholding percentage;
3. Explanation on the subsidiaries and/or associates’ lines of business; and
4. Explanation on the operational status of the subsidiaries and/or associates (in
operation or has not yet operating).
Struktur grup perusahaan Struktur grup perusahaan dalam bentuk bagan yang menggambarkan entitas induk, 128
Company group structure entitas anak, entitas asosiasi, joint venture, dan special purpose vehicle (SPV).
Company group structure in a chart describing subsidiaries, associates, joint
ventures, and special purpose vehicles (SPVs).
Kronologi penerbitan saham (termasuk private Mencakup antara lain: 123-124

placement) dan/atau pencatatan saham dari awal 1. Tahun penerbitan saham, jumlah saham, nilai nominal saham, dan harga
penerbitan sampai dengan akhir tahun buku penawaran saham untuk masing-masing tindakan korporasi (corporate action);
Share listing chronology (including private 2. Jumlah saham tercatat setelah masing-masing tindakan korporasi (corporate
action); dan
placement) and/or share listing from the initial
3. Nama bursa dimana saham perusahaan dicatatkan.
listing to the end of fiscal year
Catatan: apabila perusahaan tidak memiliki kronologi pencatatan saham, agar
diungkapkan.
1. The year of shares issuance, number of shares, shares par value, and share
offering price for each of corporate action;
2. Number of shares listed following the corporate actions;
3. Name of stock exchange where the shares are listed.
Note: Explanation shall be given in the event of the company does not have share
listing chronology.

Kronologi penerbitan dan/atau pencatatan Mencakup antara lain: 124-127

efek lainnya dari awal penerbitan sampai 1. Nama efek lainnya, tahun penerbitan efek lainnya, tingkat bunga/imbalan efek
dengan akhir tahun buku lainnya, dan tanggal jatuh tempo efek lainnya;
Issuance and/or other securities listing 2. Nilai penawaran efek lainnya;
3. Nama bursa dimana efek lainnya dicatatkan; dan
chronology from the initial listing to the end
4. Peringkat efek.
of fiscal year
Catatan: apabila perusahaan tidak memiliki kronologi penerbitan dan pencatatan
efek lainnya, agar diungkapkan.
1. Name of other securities, year of other securities issuance, interest/yield rate,
and the maturity date of other securities;
2. Other securities offering price;
3. Name of stock exchange where the other securities are listed; and
4. Rating of securities.
Note: Explanation shall be given in the event of the company does not have other
securities issuance and listing chronology.
Nama dan alamat lembaga dan/atau profesi Informasi memuat antara lain: 132-136
penunjang 1. Nama dan alamat BAE/pihak yang mengadministrasikan saham perusahaan;
Names and addresses of capital market 2. Nama dan alamat Kantor Akuntan Publik; dan
3. Nama dan alamat perusahaan pemeringkat efek.
supporting institutions and/or professions
1. Name and address of Securities Administration Bureau (BAE)/parties
administrating company’s shares;
2. Name and address of Public Accounting Firm; and
3. Name and address of rating agency.
Penghargaan yang diterima dalam tahun Informasi memuat antara lain: 32-33
buku terakhir dan/atau sertifikasi yang masih 1. Nama penghargaan dan/atau sertifikasi;
berlaku dalam tahun buku terakhir baik yang 2. Tahun perolehan penghargaan dan/atau sertifikasi;
berskala nasional maupun internasional 3. Badan pemberi penghargaan dan/atau sertifikasi; dan
List of awards received in the last fiscal year 4. Masa berlaku (untuk sertifikasi).
and/or certifications valid for the last fiscal The information encloses, among others:
year, both national and international-scale 1. Name of awards and/or certificates;
2. Year of receipt;
3. Awarding and/or certifying agencies; and
4. Validity period (for certifications).
Nama dan alamat entitas anak dan/atau kantor Memuat informasi antara lain: 137-143
cabang atau kantor perwakilan (jika ada) 1. Nama dan alamat entitas anak; dan
Names and addresses of subsidiaries and/or 2. Nama dan alamat kantor cabang/perwakilan.
Catatan: apabila perusahaan tidak memiliki entitas anak, kantor cabang, dan
branch or representative offices (if any)
kantor perwakilan, agar diungkapkan.
Containing the information about, among others:
1. Names and addresses of subsidiaries; and
2. Names and addresses of branch/representative offices.
Note: explanation shall be given in the event that the entity does not have any
subsidiaries/branches/representatives.

Informasi pada Website Perusahaan Meliputi paling kurang: 144-147

Information on Company Website 1. Informasi pemegang saham sampai dengan pemilik akhir individu;
2. Isi Kode Etik;
3. Informasi Rapat Umum Pemegang Saham (RUPS) paling kurang meliputi bahan
mata acara yang dibahas dalam RUPS, ringkasan risalah RUPS, dan informasi
tanggal penting yaitu tanggal pengumuman RUPS, tanggal pemanggilan RUPS,
tanggal RUPS, tanggal ringkasan risalah RUPS diumumkan;
4. Laporan keuangan tahunan terpisah (5 tahun terakhir);
5. Profil Dewan Komisaris dan Direksi; dan
6. Piagam/Charter Dewan Komisaris, Direksi, Komite-komite, dan Unit Audit Internal.
Covering at least:
1. Information on shareholders to last individual owners;
2. Contain of the Code of Ethics;
3. Information on General Meeting of Shareholders (GMS) at least covering the
agenda discussed in GMS, minutes of GMS, and important dates i.e. GMS
announcement date, GMS summon date, GMS date, GMS minutes announcement
date;
4. Separate Annual financial statements (last 5 years);
5. Board of Commissioners and Board of Directors Profiles; and
6. Charter of the Board of Commissioners, Board of Directors, Committees, and
Internal Audit Unit.
Pendidikan dan/atau pelatihan Dewan Meliputi paling kurang informasi (jenis dan pihak yang relevan dalam mengikuti) 148-168
Komisaris, Direksi, Komite-Komite, Sekretaris 1. Pendidikan dan/atau pelatihan untuk Dewan Komisaris;
Perusahaan, dan Unit Audit Internal 2. Pendidikan dan/atau pelatihan untuk Direksi;
Educations and/or trainings for the Board 3. Pendidikan dan/atau pelatihan untuk Komite Audit;
4. Pendidikan dan/atau pelatihan untuk Komite Nominasi dan Remunerasi;
of Commissioners, Board of Directors,
5. Pendidikan dan/atau pelatihan untuk Komite Lainnya;
Committees, and Internal Audit Unit.
6. Pendidikan dan/atau pelatihan untuk Sekretaris Perusahaan; dan
7. Pendidikan dan/atau pelatihan untuk Unit Audit Internal.
Yang diikuti pada tahun buku.
Catatan: apabila tidak terdapat pendidikan dan/atau pelatihan pada tahun buku,
agar diungkapkan.
Covering at least the following information (type and parties eligible to attend):
1. Educations and/or trainings for the Board of Commissioners;
2. Educations and/or trainings for the Board of Directors;
3. Educations and/or trainings for Audit Committee;
4. Educations and/or trainings for Nomination and Remuneration Committee;
5. Educations and/or trainings for Other Committees;
6. Educations and/or trainings for Corporate Secretary; and
7. Educations and/or trainings for Internal Audit Unit;
Attended in the fiscal year.
Note: Explanation shall be given in the event of there are no educations and/or
trainings in the fiscal year.
Analisa dan Pembahasan Manajemen atas Kinerja Perusahaan

Management Discussion and Analysis on Company Performance
Tinjauan operasi per segmen usaha Memuat uraian mengenai: 184-197

Operational review per business segment 1. Penjelasan masing-masing segmen usaha.
2. Kinerja per segmen usaha, antara lain:
a. Produksi;
b. Peningkatan/penurunan kapasitas produksi;
c. Penjualan/pendapatan usaha; dan
d. Profitabilitas.
Containing descriptions of:
1. Explanation of each business segment.
2. Performance of each business segment, among others:
a. Productions;
b. Increase/decrease in business capacity;
c. Sales/operating revenues; and
d. Profitability.

Uraian atas kinerja keuangan perusahaan Analisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan 202-214
Description of company’s financial performance tahun yang bersangkutan dengan tahun sebelumnya dan penyebab kenaikan/
penurunan suatu akun (dalam bentuk narasi dan tabel), antara lain mengenai:
1. Aset lancar, aset tidak lancar, dan total aset;
2. Liabilitas jangka pendek, liabilitas jangka panjang dan total liabilitas;
3. Ekuitas;
4. Penjualan/pendapatan usaha, beban, laba (rugi), penghasilan komprehensif lain,
dan penghasilan komprehensif periode berjalan; dan
5. Arus kas.
Analysis on financial performance containing comparison between current
financial performance and previous year’s financial performance and causes for the
increase/decrease (in narration and tables), among others concerning:
1. Current assets, non-current assets, and total assets;
2. Short-term liabilities, long-term liabilities, and total liabilities;
3. Equity;
4. Sales/revenues, expenses and profit (loss), other comprehensive incomes and
total comprehensive profit (loss); and
5. Cash flow.
Bahasan dan analisis tentang kemampuan Penjelasan tentang : 216-218

membayar utang dan tingkat kolektibilitas 1. Kemampuan membayar hutang, baik jangka pendek maupun jangka panjang dan
piutang perusahaan, dengan menyajikan 2. Tingkat kolektibilitas piutang.
perhitungan rasio yang relevan sesuai dengan Explanation on:
jenis industri perusahaan
1. Solvency for short- and long-term debts; and
Discussion and analysis on company solvency 2. Receivables collectability.
and liquidity by presenting ratios that are
relevant to company’s industry
Bahasan tentang struktur modal (capital Penjelasan atas: 219-220

structure) dan kebijakan manajemen atas 1. Rincian struktur modal (capital structure) yang terdiri dari utang berbasis bunga/
struktur modal (capital structure policy) sukuk dan ekuitas; dan
Discussion on capital structure and capital 2. Kebijakan manajemen atas struktur modal (capital structure policies); dan
3. Dasar pemilihan kebijakan manajemen atas struktur modal.
structure policy
Explanation on:
1. Capital structure, consisting of interest-based debts and equity;
2. Management policies on the capital structure (capital structure policies); and
3. The basis for Capital structure policies.
Bahasan mengenai ikatan yang material Penjelasan tentang: 220

untuk investasi barang modal (bukan ikatan 1. Nama pihak yang melakukan ikatan;
pendanaan) pada tahun buku terakhir 2. Tujuan dari ikatan tersebut;
Discussion on material commitments for 3. Sumber dana yang diharapkan untuk memenuhi ikatan-ikatan tersebut;
4. Mata uang yang menjadi denominasi; dan
capital goods investments (other than funding
5. Langkah-langkah yang direncanakan perusahaan untuk melindungi risiko dari
commitment) in the last fiscal year
posisi mata uang asing yang terkait.
Catatan: apabila perusahaan tidak mempunyai ikatan terkait investasi barang
modal pada tahun buku terakhir agar diungkapkan.
Explanation on:
1. The name of parties engaging in the commitment
2. Purpose of the commitments;
3. Sources of funds expected to meet these commitments;
4. Currency used; and
5. Planned measures to protect the company from risks arising from relevant
currency position.
Note: explanation shall be given in the event that the company does not have any
commitments relating to capital investments in the last fiscal year.
Bahasan mengenai investasi barang modal Penjelasan tentang: 221

yang direalisasikan pada tahun buku terakhir 1. Jenis investasi barang modal;
Discussion on capital investments realized in 2. Tujuan investasi barang modal; dan
3. Nilai investasi barang modal yang dikeluarkan pada tahun buku terakhir.
the last fiscal year
Catatan: apabila tidak terdapat realisasi investasi barang modal, agar diungkapkan.
Explanation on:
1. Type of capital investments;
2. Purposes of the capital investments; and
3. Value of capital investment spent in the last fiscal year.
Note: explanation shall be given in the event that any capital investment realizations
are nonexistent

Informasi perbandingan antara target pada Informasi memuat antara lain: 222-224
awal tahun buku dengan hasil yang dicapai 1. Perbandingan antara target pada awal tahun buku dengan hasil yang dicapai
(realisasi), dan target atau proyeksi yang (realisasi); dan
ingin dicapai untuk satu tahun mendatang 2. Target atau proyeksi yang ingin dicapai dalam 1 (satu) tahun mendatang.
mengenai pendapatan, laba, dan lainnya yang The information encloses, among others:
dianggap penting bagi perusahaan
1. Comparisons between beginning of year’s targets and realizations; and
Information on comparisons between 2. Expected targets or projection for the coming year.
beginning of fiscal year’s targets and
realizations, and expected targets or
projection for the coming year relating to
revenue, profit, and other matters considered
important to the company
Informasi dan fakta material yang terjadi Uraian kejadian penting setelah tanggal laporan akuntan termasuk dampaknya 226-227
setelah tanggal laporan akuntan terhadap kinerja dan risiko usaha di masa mendatang.
Information and material facts occurring after Catatan: apabila tidak ada kejadian penting setelah tanggal laporan akuntan agar
diungkapkan.
accountant’s reporting date
Description of significant events after accountant’s reporting date including their
effects on business performance and risks in the future.
Note: explanation shall be given in the event that any significant events after
accountant’s reporting date are nonexistent.
Uraian tentang prospek usaha perusahaan Uraian mengenai prospek perusahaan dikaitkan dengan industri dan ekonomi 197-198
Description on company’s business outlook secara umum disertai data pendukung kuantitatif dari sumber data yang layak
dipercaya.
Description on company’s business outlook is related to industry and economy in
general accompanied by quantitative supporting data from trustworthy source of
data.
Uraian tentang aspek pemasaran Uraian tentang aspek pemasaran atas produk dan/atau jasa perusahaan, antara 178-184
Description on marketing aspect lain strategi pemasaran dan pangsa pasar.
Description on marketing aspect on company products and/or services, among
others marketing strategies and market share.
Uraian mengenai kebijakan dividen dan jumlah Memuat uraian mengenai: 227
dividen kas per saham dan jumlah dividen per 1. Kebijakan pembagian dividen;
tahun yang diumumkan atau dibayar selama 2 2. Total dividen yang dibagikan;
(dua) tahun buku terakhir 3. Jumlah dividen kas per saham;
Description on dividend policy and amount 4. Payout ratio; dan
5. Tanggal pengumuman dan pembayaran dividen kas.
of cash dividends per share and amount of
Untuk masing-masing tahun.
dividends per year announced or paid for the
Catatan: apabila tidak ada pembagian dividen, agar diungkapkan alasannya.
last two (2) fiscal years.
1. Policy on dividend sharing;
2. Total dividends shared;
3. Amount of cash dividends per share;
4. Payout ratio; and
5. Date of announcement and payment of cash dividends.
For each year.
Note: explanation shall be given in the event that any dividend sharing is
nonexistent.
Program kepemilikan saham oleh karyawan Memuat uraian mengenai: 228

dan/atau manajemen yang dilaksanakan 1. Jumlah saham ESOP/MSOP dan realisasinya;
perusahaan (ESOP/MSOP) yang masih ada 2. Jangka waktu;
sampai tahun buku 3. Persyaratan karyawan dan/atau manajemen yang berhak; dan
Employee and/or Management Stock 4. Harga pelaksanaan.
Catatan: apabila tidak memiliki program dimaksud, agar diungkapkan.
Ownership Plan (ESOP/MSOP) carried out by
the company existing until the end of fiscal Containing descriptions of:
year 1. Total ESOP/MSOP shares and its realization;
2. Term;
3. Requirements for entitled employees and/or management; and
4. Exercise price.
Note: explanation shall be given in the event that the program concerned is
nonexistent.

Realisasi penggunaan dana hasil penawaran Memuat uraian mengenai: 228

umum (dalam hal perusahaan masih 1. Total perolehan dana;
diwajibkan menyampaikan laporan realisasi 2. Rencana penggunaan dana;
penggunaan dana) 3. Rincian penggunaan dana;
Realization of the use of proceeds from public 4. Saldo dana; dan
5. Tanggal persetujuan RUPS/RUPO atas perubahan penggunaan dana (jika ada).
offering (in the event that the company still
Catatan: apabila tidak memiliki informasi realisasi penggunaan dana hasil
has the obligation to report the proceed use
penawaran umum, agar diungkapkan.
realization)*
1. Total proceeds;
2. Planned use of the proceeds;
3. Detailed use of the proceeds;
4. Balance of proceeds; and
5. Date of GMS/GMB approval on changes in the use of proceeds (if any).
Note: explanation shall be given in the event that there is no information regarding
realization of the use of proceeds from public offering.
Informasi transaksi material yang Memuat uraian mengenai: 230-235

mengandung benturan kepentingan dan/atau 1. Nama pihak yang bertransaksi dan sifat hubungan afiliasi;
transaksi dengan pihak afiliasi 2. Penjelasan mengenai kewajaran transaksi;
Information on material transactions 3. Alasan dilakukannya transaksi;
4. Realisasi transaksi pada periode tahun buku terakhir;
containing conflicts of interest and/or
5. Kebijakan perusahaan terkait dengan mekanisme review atas transaksi; dan
transactions with affiliates
6. Pemenuhan peraturan dan ketentuan terkait.
Catatan: apabila tidak mempunyai transaksi dimaksud, agar diungkapkan.
1. Name of affiliates and the nature of affiliation;
2. Explanation on the fairness of transaction;
3. Reason behind the transaction;
4. Realization of transactions in the last fiscal year;
5. Company policy relating to review mechanism on transactions; and
6. Compliance with relevant regulations and provisions.
Note: explanation shall be given in the event that any transaction concerned is
nonexistent.
Uraian mengenai perubahan peraturan Uraian memuat antara lain: 238-243

perundang-undangan terhadap perusahaan 1. Nama peraturan perundang-undangan yang mengalami perubahan; dan
pada tahun buku terakhir 2. Dampaknya (kuantitatif dan/atau kualitatif) terhadap perusahaan (jika signifikan)
Description on regulatory changes having atau pernyataan bahwa dampaknya tidak signifikan.
Catatan: apabila tidak terdapat perubahan peraturan perundang-undangan pada
significant impact on the company
tahun buku terakhir, agar diungkapkan.
The description contains among others:
1. Regulatory changes; and
2. Their impacts (qualitative and quantitative) on the company (if significant) or
statements stating that the impacts are insignificant.
Note: explanation shall be given in the event that any regulatory changes having
significant impacts on the company are nonexistent in the last fiscal year.
Uraian mengenai perubahan kebijakan Uraian memuat antara lain: 243

akuntansi yang diterapkan perusahaan pada 1. Perubahan kebijakan akuntansi;
tahun buku terakhir 2. Alasan perubahan kebijakan akuntansi; dan
Description on changes in accounting policies 3. Dampaknya secara kuantitatif terhadap laporan keuangan.
Catatan: apabila tidak terdapat perubahan kebijakan akuntansi pada tahun buku
applied by the company in the last fiscal year
terakhir, agar diungkapkan.
The description includes among others:
1. Changes in accounting policies;
2. Their reasons; and
3. Impacts toward financial statements.
Note: explanation shall be given in the event that any changes in accounting
policies are nonexistent in the last fiscal year.

Informasi kelangsungan usaha Pengungkapan informasi mengenai: 244

Information on business continuity 1. Hal-hal yang berpotensi berpengaruh signifikan terhadap kelangsungan usaha
perusahaan pada tahun buku terakhir;
2. Assessment manajemen atas hal-hal pada angka 1; dan
3. Asumsi yang digunakan manajemen dalam melakukan assessment.
Catatan: apabila tidak terdapat hal-hal yang berpotensi berpengaruh signifikan
terhadap kelangsungan usaha perusahaan pada tahun buku terakhir, agar
diungkapkan asumsi yang mendasari manajemen dalam meyakini bahwa tidak
terdapat hal-hal yang berpotensi berpengaruh signifikan terhadap kelangsungan
usaha perusahaan pada tahun buku terakhir.
Disclosure of information includes:
1. Matters which potentially inflict significant impact on company’s business
continuity for the last fiscal year;
2. Management assessment on matters in point 1; and
3. Assumptions used by the management in performing the assessment.
Note: in the event that any matters which potentially inflict significant impact
on company’s business continuity for the last fiscal year are nonexistent, the
assumptions used as the basis for the management in assuring that such matters
are nonexistent shall be disclosed.

Uraian Dewan Komisaris Uraian memuat antara lain: 352-362

Board of Commissioners description 1. Uraian tanggung jawab Dewan Komisaris;
2. Penilaian atas kinerja masing-masing komite yang berada di bawah Dewan
Komisaris dan dasar penilaiannya; dan
3. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Dewan
Komisaris).
The description includes, among others:
1. Description of Board of Commissioners’ responsibilities;
2. Assessment on the performances of committees under the Board of
Commissioners and the basis for such assessment; and
3. Disclosure of the Board Charter (guidelines and codes of conduct for Board of
Commissioners).a
Komisaris Independen (jumlahnya minimal Meliputi antara lain: 362-366

30% dari total Dewan Komisaris) 1. Kriteria penentuan Komisaris Independen; dan
Information on Independent Commissioners 2. Pernyataan tentang independensi masing-masing Komisaris Independen.
Covering, among others:
1. The criteria for Independent Commissioners appointment; and
2. Statement of independency of each Independent Commissioner.
Uraian Direksi Uraian memuat antara lain: 383-416

Board of Directors description 1. Ruang lingkup pekerjaan dan tanggung jawab masing-masing anggota Direksi;
2. Penilaian atas kinerja komite-komite yang berada di bawah Direksi (jika ada); dan
3. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Direksi).
The description includes, among others:
1. Scopes of duties and responsibilities of each Board of Directors member;
2. Assessment on the performances of committees under the Board of Directors (if
any); and
3. Disclosure of the Board Charter (guidelines and codes of conduct for Board of
Directors).
Penilaian Penerapan GCG untuk tahun buku Memuat uraian mengenai: 305-316
2018 yang meliputi paling kurang aspek Dewan 1. Kriteria yang digunakan dalam penilaian;
Komisaris dan Direksi 2. Pihak yang melakukan penilaian;
Assessment of the implementation of GCG 3. Skor penilaian masing-masing kriteria;
4. Rekomendasi hasil penilaian; dan
for fiscal year 2018 covering at least Board
5. Alasan belum/tidak diterapkannya rekomendasi.
of Commissioners and Board of Directors
Catatan: apabila tidak ada penilaian penerapan GCG untuk tahun buku 2018 agar
aspects. diungkapkan.
Containing explanations on, among others:
1. Criteria used for the assessment;
2. Assessing party;
3. Assessment score for each criteria;
4. Recommendation of the assessment results; and
5. Reasons on why the recommendations are/has not been implemented.
Note: explanation shall be given in the event of the GCG implementation assessment
for fiscal year 2018 is nonexistent.

Uraian mengenai kebijakan remunerasi bagi Mencakup antara lain: 417-421

Dewan Komisaris dan Direksi 1. Pengungkapan prosedur pengusulan sampai dengan penetapan remunerasi
Description of remuneration policy for Boards Dewan Komisaris;
2. Pengungkapan prosedur pengusulan sampai dengan penetapan remunerasi
of Commissioners and Board of Directors
Direksi;
3. Struktur remunerasi yang menunjukkan komponen remunerasi dan jumlah
nominal per komponen untuk setiap anggota Dewan Komisaris;
4. Struktur remunerasi yang menunjukkan komponen remunerasi dan jumlah
nominal per komponen untuk setiap anggota Direksi;
5. Pengungkapan indikator untuk penetapan remunerasi Direksi; dan
6. Pengungkapan bonus kinerja, bonus non kinerja, dan/atau opsi saham yang
diterima setiap anggota Dewan Komisaris dan Direksi (jika ada).
Catatan: apabila tidak terdapat bonus kinerja, bonus non kinerja, dan opsi saham
yang diterima setiap anggota Dewan Komisaris dan Direksi, agar diungkapkan.
1. Disclosure of remuneration procedures to the determination for the Board of
Commissioners;
2. Disclosure of remuneration procedures to the determination for the Board of
Directors;
3. Remuneration structure which shows the remuneration components and
amount of value per component for each Board of Commissioners’ member;
4. Remuneration structure which shows the remuneration components and
amount of value per component for each Board of Directors’ member;
5. Disclosure of indicators for the determination of Board of Directors’
remuneration; and
6. Disclosure of performance bonus, non-performance bonus, and/or shares
option received by each Board of Commissioners’ and Board of Directors’
member (if any).
Note: explanation shall be given in the event of performance bonus, non-
performance bonus, and/or shares option received by each Board of Commissioners’
and Board of Directors’ member are nonexistent.
Frekuensi dan Tingkat Kehadiran Rapat yang Informasi memuat antara lain: 368-376 ; 395-408
dihadiri mayoritas anggota pada rapat Dewan 1. Tanggal Rapat;
Komisaris (minimal 1 kali dalam 2 bulan) Rapat 2. Peserta Rapat; dan
Direksi (minimal 1 kali dalam 1 bulan), dan 3. Agenda Rapat.
Rapat Gabungan Dewan Komisaris dengan Untuk masing-masing rapat Dewan Komisaris, Direksi, dan rapat gabungan.
Direksi (minimal 1 kali dalam 4 bulan). The information encloses, among others:
Frequency and Attendance Level of Meetings, 1. Meeting date;
which were attended by the majority of 2. Meeting participants; and
members, of Board of Commissioners (at least 3. Meeting agenda
1 time in 2 months), of Board of Directors (at For each BOC meeting, BOD meeting, and joint meeting.
least 1 time in 1 month), and of Joint Meetings
of Board of Commissioners and Board of
Directors (at least 1 time in 4 months).
Informasi mengenai pemegang saham utama Dalam bentuk skema atau diagram yang memisahkan pemegang saham utama 118
dan pengendali, baik langsung maupun tidak dengan pemegang saham pengendali.
langsung, sampai kepada pemilik individu Catatan: yang dimaksud pemegang saham utama adalah pihak yang, baik secara
Information on majority and controlling langsung maupun tidak langsung, memiliki sekurang-kurangnya 20% (dua puluh
perseratus) hak suara dari seluruh saham yang mempunyai hak suara yang
shareholders, both direct and indirectly, to
dikeluarkan oleh suatu Perseroan, tetapi bukan pemegang saham pengendali.
individual holders
In schematic chart or diagram, that differs the main shareholders and controlling
shareholders.
Note: he main shareholder is the party which, either directly or indirectly, holds
at least 20% (twenty percent) of the voting rights of all shares with voting rights
issued by a company, but not a controlling shareholder.

Pengungkapan hubungan afiliasi antara Mencakup antara lain: 365-366 ; 392-393

anggota Direksi, Dewan Komisaris, dan 1. Hubungan afiliasi antara anggota Direksi dengan anggota Direksi lainnya;
Pemegang Saham Utama dan/atau pengendali 2. Hubungan afiliasi antara anggota Direksi dan anggota Dewan Komisaris;
Disclosure of affiliations among the members 3. Hubungan afiliasi antara anggota Direksi dengan Pemegang Saham Utama dan/
atau Pengendali;
of Board of Directors, Board of Commissioners,
4. Hubungan afiliasi antara anggota Dewan Komisaris dengan anggota Komisaris
and Majority and/or Controlling Shareholders
lainnya; dan
5. Hubungan afiliasi antara anggota Dewan Komisaris dengan Pemegang Saham
Utama dan/atau Pengendali.
Catatan: apabila tidak mempunyai hubungan afiliasi dimaksud, agar diungkapkan.
1. Affiliations among Board of Directors’ fellow members;
2. Affiliations among Board of Directors members and Board of Commissioners
members;
3. Affiliations among Board of Directors members and Majority and/or Controlling
Shareholders;
4. Affiliations among Board of Commissioners’ fellow members; and
5. Affiliations among Board of Commissioners’’ members and Majority and/or
Controlling Shareholders.
Note: explanation shall be given in the event that any concerned affiliations are
nonexistent.
Komite Audit Mencakup antara lain: 438-453

Audit Committee 1. Nama, jabatan, dan periode jabatan anggota komite audit;
2. Riwayat pendidikan (Bidang Studi dan Lembaga Pendidikan) dan pengalaman
kerja (Jabatan, Instansi, dan Periode Menjabat) anggota komite audit;
3. Independensi anggota komite audit;
4. Uraian tugas dan tanggung jawab;
5. Uraian pelaksanaan kegiatan komite audit pada tahun buku; dan
6. Frekuensi pertemuan dan tingkat kehadiran komite audit.

1. Name and position of Audit Committee members;
2. Educational history qualifications (field of study and educational institution) and
work experience of Audit Committee members (Position, Institution, and Term
of Office);
3. Audit Committee members’ independency;
4. Description of Audit Committee’s duties and responsibilities;
5. Brief report on Audit Committee members’ activities in the fiscal year; and
6. Frequency of meetings and attendance rate of Audit Committee members.
Komite Nominasi dan/atau Remunerasi Mencakup antara lain: 431-438

Nomination and/or Remuneration Committee 1. Nama, jabatan, dan riwayat hidup singkat anggota komite nominasi dan/atau
remunerasi;
2. Independensi komite nominasi dan/atau remunerasi;
4. Uraian pelaksanaan kegiatan komite nominasi dan/atau remunerasi pada tahun
buku;
5. Frekuensi pertemuan dan tingkat kehadiran komite nominasi dan/
atauremunerasi;
6. Pernyataan adanya pedoman komite nominasi dan/atau remunerasi; dan
7. Kebijakan mengenai suksesi direksi.

1. Name, position, and brief CV of Nomination and/or Remuneration Committee
members;
2. Independency of Nomination and/or Remuneration Committee members;
3. Description of duties and responsibilities;
4. Description of implementation of activities of Nomination and/or Remuneration
Committee members in the fiscal year;
5. Frequency of meetings and attendance rate of Nomination and/or Remuneration
Committee members;
6. Statement about the existence of guidelines for Nomination and/or
Remuneration Committee; and
7. Policy relating to Board of Directors’ succession.

Komite-komite lain di bawah Dewan Komisaris Mencakup antara lain: 423-462

yang dimiliki oleh perusahaan 1. Nama, jabatan, dan riwayat hidup singkat anggota komite lain;
Other committees under the Board of 2. Independensi komite lain;
Commissioners owned by the company
4. Uraian pelaksanaan kegiatan komite lain pada tahun buku; dan
5. Frekuensi pertemuan dan tingkat kehadiran komite lain.
1. Name, position, and brief CV of other committee members;
2. Independency of other committee members;
3. Description of duties and responsibilities;
4. Description of the implementation of activities of other committees in the fiscal
year; and
5. Frequency of meetings and attendance rate of other committees.
Uraian tugas dan Fungsi Sekretaris Perusahaan Mencakup antara lain: 491-492
Description of duties and function of Corporate 1. Nama, dan riwayat jabatan singkat sekretaris perusahaan;
2. Domisili;
Secretary
3. Uraian tugas dan tanggung jawab; dan
4. Uraian pelaksanaan tugas sekretaris perusahaan pada tahun buku.
Containing among others:
1. Name and brief CV of the corporate secretary;
2. Domicile;
3. Description of the duties and responsibilities; and
4. Descriptions on the implementation of Corporate Secretary’s duties in fiscal
year.
Uraian mengenai unit audit internal Mencakup antara lain: 492-505

Description on internal audit unit 1. Nama ketua unit audit internal;
2. Jumlah pegawai (auditor internal) pada unit audit internal;
3. Sertifikasi sebagai profesi audit internal;
4. Kedudukan unit audit internal dalam struktur perusahaan;
5. Uraian pelaksanaan kegiatan unit audit internal pada tahun buku; dan
6. Pihak yang mengangkat dan memberhentikan ketua unit audit internal.
1. Name of internal audit unit head;
2. Number of employees (internal auditors) in internal audit unit;
3. Certification for internal audit professions;
4. Internal audit unit position in corporate structure;
5. Brief report on internal audit unit’s implementation of activities; and
6. Parties appointing and dismissing head of internal audit unit.
Akuntan Publik Informasi memuat antara lain: 506-507

Public Accountant 1. Nama dan tahun akuntan publik yang melakukan audit laporan keuangan
tahunan selama 5 (lima) tahun terakhir;
2. Nama dan tahun Kantor Akuntan Publik yang melakukan audit laporan keuangan
tahunan selama 5 (lima) tahun terakhir;
3. Besarnya fee untuk masing-masing jenis jasa yang diberikan oleh Kantor
Akuntan Publik pada tahun buku terakhir; dan
4. Jasa lain yang diberikan Kantor Akuntan Publik dan akuntan publik selain jasa
audit laporan keuangan tahunan pada tahun buku terakhir.
Catatan: apabila tidak ada jasa lain dimaksud, agar diungkapkan.
1. Number of periods in which a public accountant has conducted annual audit on
financial statements for the last 5 (five) years;
2. Name and the year in which a Public Accounting Firm has conducted annual
audit on financial statements for the last 5 (five) years;
3. Amount of fee for each service provided by public accountant in the last fiscal
year; and
4. Other services provided by the accountant apart from annual audit on financial
statements in the last fiscal year.
Note: explanation shall be given in the event that any services are nonexistent.

Uraian mengenai manajemen risiko perusahaan Mencakup antara lain: 608-639

Description on company risk management 1. Penjelasan mengenai sistem manajemen risiko yang diterapkan perusahaan;
2. Penjelasan mengenai hasil review yang dilakukan atas sistem manajemen risiko
pada tahun buku;
3. Penjelasan mengenai risiko-risiko yang dihadapi perusahaan; dan
4. Upaya untuk mengelola risiko tersebut.
1. Explanation on risk management system applied by the company;
2. Explanation on review on risk management system in the fiscal year;
3. Explanation on risks faced by the company; and
4. Risk management efforts.
Uraian mengenai sistem pengendalian intern Mencakup antara lain: 508-514

Description on internal control system 1. Penjelasan singkat mengenai sistem pengendalian intern, antara lain mencakup
pengendalian keuangan dan operasional;
2. Penjelasan kesesuaian sistem pengendalian intern dengan kerangka yang diakui
secara internasional (COSO – internal control framework); dan
3. Penjelasan mengenai hasil review yang dilakukan atas pelaksanaan system
pengendalian intern pada tahun buku.
1. Brief explanation on internal control system, among others concerning financial
and operational control;
2. Explanation on compliance with internal control system with internationally-
recognized framework (COSO – internal control framework); and
3. Explanation on review conducted on internal control system implementation in
the fiscal year.
Uraian mengenai corporate social Mencakup antara lain informasi tentang: 568-575
responsibility yang terkait tata kelola 1. Informasi komitmen pada tanggung jawab sosial;
tanggung jawab sosial 2. Informasi mengenai metode dan lingkup due diligent terhadap dampak sosial,
Description on corporate social responsibility ekonomi dan lingkungan dari aktivitas perusahaan;
3. Informasi tentang stakeholder penting yang terdampak atau berpengaruh pada
related to social responsibility governance
dampak dari kegiatan perusahaan;
4. Informasi tentang isu-isu penting sosial ekonomi dan lingkungan terkait dampak
kegiatan perusahaan;
5. Informasi tentang lingkup tanggung jawab sosial perusahaan baik yang
merupakan kewajiban maupun yang melebihi kewajiban;
6. Informasi tentang strategi dan program kerja perusahaan dalam menangani isu-
isu sosial, ekonomi dan lingkungan dalam upaya stakeholders engagement dan
meningkatkan value untuk stakeholder dan shareholder;
7. Informasi tentang berbagai program yang melebihi tanggung jawab minimal
perusahaan yang relevan dengan bisnis yang dijalankan; dan
8. Informasi tentang pembiayaan dan anggaran tanggung jawab sosial.
Including among others information on:
1. Information on commitment to social responsibilities;
2. Information on due diligence method and scope on the social, economic, and
environmental impacts of the Company’s activities;
3. Information on important stakeholders that are affected by or influencing the
impact of the Company’s activities;
4. Information on important socio-economic and environmental issues related to
the impact of the Company’s activities;
5. Information on scope of corporate social responsibility, which is an obligation
and beyond the obligation;
6. Information on the Company’s strategies and work programs in addressing
social, economic, and environmental issues in the efforts of stakeholders’
engagement and increasing value for stakeholders and shareholders;
7. Information on various programs exceeding the Company’s minimum
responsibilities that are relevant to the course of business; and
8. Information on financing and budget of social responsibility.

responsibility yang terkait core subject hak 1. Informasi tentang komitmen dan kebijakan tanggung jawab sosial core subject
asasi manusia hak asasi manusia;
Description on corporate social responsibility 2. Informasi tentang rumusan perusahaan lingkup tanggung jawab sosial core
subject hak asasi manusia;
related to core subject of human rights
3. Informasi tentang perencanaan corporate social responsibility bidang hak asasi
manusia;
4. Informasi tentang pelaksanaan inisiatif CSR bidang hak asasi manusia; dan
5. Informasi tentang capaian dan penghargaan inisiatif CSR bidang hak asasi
manusia.
1. Information on commitments and policies of social responsibility of core subject
of human rights;
2. Information on the Company’s formulation of scope of social responsibility of
core subject of human rights;
3. Information on corporate social responsibility planning in human rights sector;
4. Information on implementing CSR initiatives on human rights; and
5. Information on achievements and awards for CSR initiatives in human rights
sector.
responsibility yang terkait core subject operasi 1. Informasi tentang komitmen dan kebijakan tanggung jawab sosial core subject
yang adil operasi yang adil;
Description on corporate social responsibility 2. Informasi tentang rumusan perusahaan lingkup tanggung jawab sosial core
subject operasi yang adil;
related to core subject of fair operations
3. Informasi tentang perencanaan corporate social responsibility bidang operasi
yang adil;
4. Informasi tentang pelaksanaan inisiatif CSR bidang operasi yang adil; dan
5. Informasi tentang capaian dan penghargaan inisiatif CSR bidang operasi yang
adil.
1. Information on commitments and policies of social responsibility of core subject
of Fair Operations;
2. Information on the Company’s formulation of scope of social responsibility of
core subject of Fair Operations;
3. Information on corporate social responsibility planning in Fair Operations sector;
4. Information on implementing CSR initiatives on Fair Operations sector; and
5. Information on achievements and awards for CSR initiatives on Fair operations.
responsibility yang terkait dengan lingkungan 1. Informasi tentang komitmen dan kebijakan lingkungan.
hidup 2. Informasi tentang dampak dan risiko lingkungan penting yang terkait secara
Description on corporate social responsibility langsung atau tidak langsung dengan perusahaan.
3. Informasi tentang target/rencana kegiatan pada tahun 2018 yang ditetapkan
in relation to environment
manajemen;
4. Informasi tentang kegiatan yang dilakukan dan terkait program lingkungan hidup
yang berhubungan dengan kegiatan operasional perusahaan.
5. Informasi tentang pelaksanaan inisitaif CSR terkait lingkungan hidup.
6. Informasi tentang capaian dampak kuantitatif atas kegiatan tersebut; dan,
seperti penggunaan material dan energi yang ramah lingkungan dan dapat
didaur ulang, sistem pengolahan limbah perusahaan, mekanisme pengaduan
masalah lingkungan, pertimbangan aspek lingkungan dalam pemberian kredit
kepada nasabah, dan lain-lain; dan
7. Sertifikasi di bidang lingkungan yang dimiliki.
1. Information on environmental commitments and policies;
2. Information on important environmental impacts and risks that are directly or
indirectly related to the Company;
3. Information on activity target/plan in 2018 set by the Management;
4. Information on activities carried out and related to environmental programs
related to the Company’s operational activities;
5. Information on implementing CSR initiatives related to environment;
6. Information on achievement of quantitative impacts on these activities; and,
such as the use of materials and energy that are environmentally friendly and
can be recycled, the Company’s waste treatment system, the mechanism of
complaints of environmental problems, consideration of environmental aspects
in providing credit to customers, and others; and
7. Environmental certification owned.

Uraian mengenai corporate social responsibility Mencakup antara lain informasi tentang: 583-587
yang terkait dengan ketenagakerjaan, 1. Kebijakan dan komitmen tanggung jawab sosial perusahaan core subject
kesehatan, dan keselamatan kerja ketenagakerjaan;
Description on corporate social responsibility 2. Informasi lingkup dan perumusan tanggung jawab sosial bidang ketenagakerjaan;
3. Informasi terkait target/rencana kegiatan pada tahun 2018 yang ditetapkan
in relation to employment, occupational
manajemen;
health and safety
4. Kegiatan yang dilakukan dan dampak kuantitatif atas kegiatan ketenagakerjaan;
dan
5. Informasi terkait praktik ketenagakerjaan, kesehatan, dan keselamatan kerja,
seperti kesetaraan gender dan kesempatan kerja, sarana dan keselamatan kerja,
tingkat turnover karyawan, tingkat kecelakaan kerja, remunerasi, mekanisme
pengaduan masalah ketenagakerjaan, dan lain-lain.
1. Policy and commitment to corporate social responsibility of core subject of
employment;
2. Information on scope and formulation of social responsibility of employment
sector;
3. Information related to activity target/plan in 2018 set by the Management;
4. Activities undertaken and the quantitative impact on such activities; and
5. Information related to employment, occupational health and safety practices,
such as gender equality and job opportunities, occupational facilities and
safety, employee’s turnover rates, occupational accident rates, remuneration,
complaints mechanism on labor issues, and others.
Uraian mengenai corporate social Mencakup antara lain: 595-599

responsibility yang terkait dengan tanggung 1. Target/rencana kegiatan yang pada tahun 2018 ditetapkan manajemen;
jawab kepada konsumen 2. Kegiatan yang dilakukan dan dampak atas kegiatan tersebut; dan
Description on corporate social responsibility 3. Terkait tanggung jawab produk, seperti kesehatan dan keselamatan konsumen,
informasi produk, sarana, jumlah dan penanggulangan atas pengaduan
in relation to responsibility to customers
konsumen, dan lain-lain.
1. Activity target/plan in 2018 specified by the management;
2. Implemented activities and its impacts; and.
3. In relation to product responsibility, such as consumer’s health and safety, product
information, facilities, number and response on customers complaints, etc.
Uraian mengenai corporate social responsibility Mencakup antara lain informasi tentang: 588-594
yang terkait dengan pengembangan sosial dan 1. Kebijakan dan komitmen tanggung jawab sosial perusahaan core subject
kemasyarakatan pengembangan sosial dan kemasyarakatan;
Description on corporate social responsibility 2. Informasi tentang isu-isu sosial yang relevan dengan perusahaan;
3. Informasi tentang risiko sosial yang dikelola perusahaan;
in relation to social and community
4. Informasi lingkup dan perumusan tanggung jawab sosial bidang pengembangan
development
sosial dan kemasyarakatan;
5. Target/rencana kegiatan pada tahun 2018 yang ditetapkan manajemen;
6. Kegiatan yang dilakukan dan dampak atas kegiatan tersebut;
7. Biaya yang dikeluarkan; dan
8. Terkait pengembangan sosial dan kemasyarakatan, seperti penggunaan tenaga
kerja lokal, pemberdayaan masyarakat sekitar perusahaan, perbaikan sarana
dan prasarana sosial, bentuk donasi lainnya, komunikasi mengenai kebijakan
dan prosedur anti korupsi, pelatihan mengenai anti korupsi, dan lain-lain.
1. Policy and commitment to corporate social responsibility of core subject of
social and community development;
2. Information on social issues that are relevant to the Company;
3. Information on social risks managed by the Company;
4. Information on scope and formulation of social responsibility of social and
community development sector;
5. Activity target/plan in 2018 set by the management;
6. Activities undertaken and the impact on such activities;
7. Cost incurred; and
8. Related to social and community development, such as the use of local labor,
empowerment of communities around the Company, improvement of social
facilities and infrastructure, other forms of donations, communication on anti-
corruption policies and procedures, training on anti-corruption, and others.

Perkara penting yang sedang dihadapi oleh Mencakup antara lain: 526-533
perusahaan, entitas anak, serta anggota 1. Pokok perkara/gugatan;
Dewan Komisaris dan anggota Direksi yang 2. Status penyelesaian perkara/gugatan;
menjabat pada periode laporan tahunan 3. Risiko yang dihadapi perusahaan dan nilai nominal tuntutan/gugatan; dan
Significant cases currently faced by the 4. Sanksi administrasi yang dikenakan kepada perusahaan, anggota Dewan
Komisaris dan Direksi, oleh otoritas terkait (pasar modal, perbankan dan lainnya)
company, subsidiaries, and Board of Directors
pada tahun buku terakhir (atau terdapat pernyataan bahwa tidak dikenakan
and/or Board of Commissioners member(s)
sanksi administrasi).
serving during the annual report period Catatan: dalam hal perusahaan, entitas anak, anggota Dewan Komisaris, dan
anggota Direksi tidak memiliki perkara penting, agar diungkapkan.
1. Principal case/lawsuit;
2. Dispute/lawsuit settlement status;
3. Risk faced by the company and amount of dispute/lawsuit settlement; and
4. Administrative sanctions imposed to the company, Board of Commissioners
and Board of Directors members, by relevant authorities (capital market,
banking, and others) for the latest fiscal year (or if any statement confirming no
imposition of administrative sanction exists).
Note: explanation shall be given in the event that any significant cases faced by the
company, subsidiaries, Board of Commissioners and Board of Directors members
are nonexistent.
Akses informasi dan data perusahaan Uraian mengenai tersedianya akses informasi dan data perusahaan kepada publik, 547-551
Access to company information and data misalnya melalui website (dalam bahasa Indonesia dan bahasa Inggris),media
massa, mailing list, buletin, pertemuan dengan analis, dan sebagainya.
Description on the availability of company information and data to public, such
as through website (in Bahasa Indonesia and English), mass media, mailing list,
bulletin, analyst meeting, etc.
Bahasan mengenai kode etik Memuat uraian antara lain: 536-540

Discussion on code of conduct 1. Pokok-pokok kode etik;
2. Pengungkapan bahwa kode etik berlaku bagi seluruh level organisasi;
3. Penyebarluasan kode etik;
4. Sanksi untuk masing-masing jenis pelanggaran yang diatur dalam kode etik
(normatif); dan
5. Jumlah pelanggaran kode etik beserta sanksi yang diberikan pada tahun buku
terakhir.
Catatan: apabila tidak terdapat pelanggaran kode etik pada tahun buku terakhir,
agar diungkapkan.
Consisting description, among others on:
1. Code of conduct contents;
2. Disclosure that the code of conduct applies to all levels of organization;
3. Dissemination of the code of conduct;
4. Types of sanction for each code of conduct violation; and
5. Number of code of conduct violation and the sanctions imposed in the last fiscal
year.
Note: explanation shall be given in the event that any codes of conduct violations
are nonexistent in the last fiscal year.
Pengungkapan mengenai whistleblowing system Memuat uraian tentang mekanisme whistleblowing system antara lain: 541-547
Disclosure of whistleblowing system 1. Penyampaian laporan pelanggaran;
2. Perlindungan bagi whistleblower;
3. Penanganan pengaduan;
4. Pihak yang mengelola pengaduan;
5. Jumlah pengaduan yang masuk dan diproses pada tahun buku terakhir; dan
6. Sanksi/tindak lanjut atas pengaduan yang telah selesai diproses pada tahun buku.
Catatan: apabila tidak terdapat pengaduan yang masuk dan telah selesai diproses
pada tahun buku terakhir, agar diungkapkan.
Consisting of description on whistleblowing system mechanism, among others:
1. Whistleblowing delivery;
2. Whistleblower protection;
3. Handling of complaints;
4. Parties handling the complaints;
5. Number of complaints received and processed in the last fiscal year; and
6. Sanction/follow-ups for the complaints which are settled in the fiscal year.
Note: explanation shall be given in the event that any incoming complaints are
nonexistent in the last fiscal year.

Kebijakan mengenai keberagaman komposisi Uraian kebijakan tertulis Perusahaan mengenai keberagaman komposisi Dewan 361 ; 391
Dewan Komisaris dan Direksi Komisaris dan Direksi dalam pendidikan (bidang studi), pengalaman kerja, usia, dan
Policy on the diversity of Board of Commissioners jenis kelamin.
Catatan: apabila tidak ada kebijakan dimaksud, agar diungkapkan alasan dan
and Board of Directors composition
pertimbangannya.
Description of Company policy on the diversity of Board of Commissioners and
Board of Directors composition by education (field of study), work experience, age,
and gender.
Note: explanation and basis of consideration shall be given in the event that
concerned policy is nonexistent
Penerapan atas pedoman tata kelola Meliputi: 318-331

perusahaan bagi emiten yang menerbitkan 1. Pernyataan mengenai rekomendasi yang telah dilaksanakan dan/atau
efek bersifat ekuitas 2. Penjelasan atas rekomendasi yang belum dilaksanakan, disertai alasan dan
Implementation of the corporate governance alternatif pelaksanaannya (jika ada)
guidelines should the company issue equity- Including:
based securities 1. Statement on the recommendations that have been implemented and/or
2. Explanation regarding the recommendations that have not been implemented,
along with the reasons and alternative measures (if any)
Informasi Keuangan
Financial Statements
Surat Pernyataan Direksi dan/atau Dewan Kesesuaian dengan peraturan terkait tentang Tanggung Jawab atas Laporan Laporan Keuangan
Komisaris tentang Tanggung Jawab atas Keuangan. Halaman Surat
Laporan Keuangan Compliance with relevant regulation on Accountability on Financial Statements Pernyataan Direksi
Statements from Board of Directors and/or Financial
Board of Commissioners on the Accountability Statements,
on Financial Statements Board of Directors’
Statement Page
Opini auditor independen atas laporan keuangan Laporan Keuangan

Independent auditor’s opinion on the financial Halaman Opini
Auditor Independen
statements
Financial
Statements,
Independent
Auditor’s Opinion
Page
Deskripsi Auditor Independen di Opini Deskripsi memuat tentang: Laporan Keuangan

Independent auditor’s description on the 1. Nama dan tanda tangan; Halaman Auditor
2. Tanggal Laporan Audit; dan Independen
opinion
3. Nomor ijin KAP dan nomor ijin Akuntan Publik. Financial
The description includes: Statements,
1. Names and signatures; Independent
2. Date of Audit Report; and Auditor’s Page
3. Public Accounting Firm’s and Public Accountant’s License Numbers.
Laporan keuangan yang lengkap Memuat secara lengkap unsur-unsur laporan keuangan: Laporan Keuangan
Comprehensive financial statements 1. Laporan posisi keuangan; Halaman Lampiran
2. Laporan laba rugi dan penghasilan komprehensif lain; 1/1- 6/8
3. Laporan perubahan ekuitas; Financial
4. Laporan arus kas; Statements, Pages
5. Catatan atas laporan keuangan; of Attachments
6. Informasi komparatif mengenai periode sebelumnya; dan 1/1 - 6/8
7. Laporan posisi keuangan pada awal periode sebelumnya ketika entitas
menerapkan suatu kebijakan akuntansi secara retrospektif atau membuat
penyajian kembali pos-pos laporan keuangan, atau ketika entitas mereklasifikasi
pos-pos dalam laporan keuangannya (jika relevan).
Comprehensively consisting elements of the financial statements, such as:
1. Statement of financial position;
2. Statement of income and comprehensive income;
3. Statement of changes in equity;
4. Statement of cash flows;
5. Notes to the financial statements;
6. Comparative information on the previous period; and
7. Statements of financial position at the beginning of the previous period
presented when an entity applies an accounting policy retrospectively or makes
restatement of financial statements posts, or when an entity reclassifies posts
in the financial statements (if relevant).

Perbandingan tingkat profitabilitas Perbandingan kinerja/laba (rugi) tahun berjalan dengan tahun sebelumnya. Laporan Keuangan
Comparison of profitability level Comparison between profit (loss) in current year and the previous year. Halaman Lampiran
2/1-2/2
Financial
Statements, Pages
of Attachments
2/1-2/2
Laporan Arus Kas Memenuhi ketentuan sebagai berikut: Laporan Keuangan

Statement of Cash Flow 1. Pengelompokan dalam tiga kategori aktivitas: operasi, investasi, dan Halaman Lampiran
pendanaan; 4/1-4/2
2. Penggunaan metode langsung (direct method) untuk melaporkan arus kas dari Financial
aktivitas operasi; Statements, Pages
3. Pemisahan penyajian antara penerimaan kas dan atau pengeluaran kas selama of Attachments
tahun berjalan pada aktivitas operasi, investasi dan pendanaan; dan 4/1-4/2
4. Pengungkapan transaksi non kas harus dicantumkan dalam catatan atas laporan
keuangan.
Fulfilling the following requirements:
1. Classification in three categories of activity: operating, investing, and funding;
2. The use of direct method in reporting the cash flow from operating activities;
3. Separation of presentation between cash receipts and/or cash expenses for the
current year in operating, investing, and funding activities; and
4. Disclosure of non-cash transaction must be included in the notes to the financial
statements.
Ikhtisar Kebijakan Akuntansi Meliputi sekurang-kurangnya: Laporan Keuangan

Accounting Policy Highlights 1. Pernyataan kepatuhan terhadap SAK; Halaman Lampiran
2. Dasar pengukuran dan penyusunan laporan keuangan; 5/8-5/44
3. Pajak penghasilan; Financial
4. Imbalan kerja; dan Statements, Pages
5. Instrumen Keuangan. of Attachments
Consisting at least: 5/8-5/44
1. Statement of compliance with Financial Accounting Standards (SAK);
2. Basis for the measurement and preparation of financial statements;
3. Income tax;
4. Employee benefits; and
5. Financial instruments.
Pengungkapan transaksi pihak berelasi Hal-hal yang diungkapkan antara lain: Laporan Keuangan
Disclosure of transactions with related parties 1. Nama pihak berelasi, serta sifat dan hubungan dengan pihak berelasi; Halaman Lampiran
2. Nilai transaksi beserta persentasenya terhadap total pendapatan dan beban 5/98-5/102
terkait; dan Financial
3. Jumlah saldo beserta persentasenya terhadap total aset atau liabilitas terkait. Statements, Pages
Items disclosed among others are: of Attachments
1. Names of related parties and the nature of relationship with these parties; 5/98-5/102
2. Transactional value and its percentage against total revenue and relevant
expenses; and
3. Total balance and its percentage against total assets or liabilities.
Pengungkapan yang berhubungan dengan Hal-hal yang harus diungkapkan: Laporan Keuangan
perpajakan 1. Rekonsiliasi fiskal dan perhitungan beban pajak kini; Halaman Lampiran
Disclosure of matters relating to taxation 2. Penjelasan hubungan antara beban (penghasilan) pajak dan laba akuntansi; 5/83-5/87
3. Pernyataan bahwa Laba Kena Pajak (LKP) hasil rekonsiliasi dijadikan dasar dalam Financial
pengisian SPT Tahunan PPh Badan tahun 2018; Statements, Pages
4. Rincian aset dan liabilitas pajak tangguhan yang diakui pada laporan posisi of Attachments
keuangan untuk setiap periode penyajian, dan jumlah beban (penghasilan) pajak 5/83-5/87
tangguhan yang diakui pada laporan laba rugi apabila jumlah tersebut tidak
terlihat dari jumlah aset atau liabilitas pajak tangguhan yang diakui pada laporan
posisi keuangan; dan
5. Pengungkapan ada atau tidak ada sengketa pajak.
Matters need to be disclosed:
1. Fiscal reconciliation and current tax expense calculation;
2. Explanation of relationship between tax expense (income) and accounting
profit;
3. Statement acknowledging that Taxable Profits (LKP) from the reconciliation
serves as the basis for Corporate Income Tax’s Annual Tax Returns (SPT) of 2018;
4. Details of assets and deferred tax liabilities recognized in the financial position
statement for each presenting period, and the amount of deferred tax (income)
expenses recognized in the income statements if the amount is not visible in
the total assets or liabilities of deferred tax recognized in the statements of
financial position; and
5. Disclosure of any tax disputes.

aset tetap 1. Metode penyusutan yang digunakan; Halaman Lampiran
Disclosure of matters relating to fixed assets 2. Uraian mengenai kebijakan akuntansi yang dipilih antara model revaluasi dan 5/66-5/68
model biaya; Financial
3. Metode dan asumsi signifikan yang digunakan dalam mengestimasi nilai wajar Statements, Pages
aset tetap (untuk model revaluasi) atau pengungkapan nilai wajar aset tetap of Attachments
(untuk model biaya); dan 5/66-5/68
4. Rekonsiliasi jumlah tercatat bruto dan akumulasi penyusutan aset tetap pada
awal dan akhir periode dengan menunjukkan: penambahan, pengurangan dan
reklasifikasi.
1. Depreciation method used;
2. Description of accounting policy selected, either revaluation or cost model;
3. Methods and significant assumptions used to estimate fixed assets’ fair value (for
revaluation model) or disclosure of fixed assets’ fair value (for cost model); and
4. Reconciliation of the gross carrying amount and accumulated depreciation
of fixed assets at the beginning and the end of period by presenting: addition,
reduction, and reclassification.
segmen operasi 1. Informasi umum yang meliputi faktor-faktor yang digunakan untuk Halaman Lampiran
Disclosure of operational segment mengidentifikasi segmen yang dilaporkan; 5/103-5/105
2. Informasi tentang laba rugi, aset, dan liabilitas segmen yang dilaporkan; Financial
3. Rekonsiliasi dari total pendapatan segmen, laba rugi segmen yang dilaporkan, Statements, Pages
aset segmen, liabilitas segmen, dan unsur material segmen lainnya terhadap of Attachments
jumlah terkait dalam entitas; dan 5/103-5/105
4. Pengungkapan pada level entitas, yang meliputi informasi tentang produk dan/
atau jasa, wilayah geografis dan pelanggan utama.
1. General information covering the factors used to identify reported segment;
2. Information regarding profit and loss, assets, and liabilities of the reported
segment;
3. Reconciliation of total revenue, profit and loss, assets, liabilities of the reported
segment, and other material elements of the segment against relevant amount
in the entity; and
4. Disclosure at the level of entity, covering information on products and/or
services, geographical area, and main customers.
Instrumen Keuangan 1. Rincian instrumen keuangan yang dimiliki berdasarkan klasifikasinya; Halaman Lampiran
Disclosure relating to Financial Instruments 2. Nilai wajar dan hirarkinya untuk setiap kelompok instrumen keuangan; 5/125-5/130
3. Penjelasan risiko yang terkait dengan instrumen keuangan: risiko pasar, risiko Financial
kredit dan risiko likuiditas; Statements, Pages
4. Kebijakan manajemen risiko; dan of Attachments
5. Analisis risiko yang terkait dengan instrumen keuangan secara kuantitatif. 5/125-5/130
1. Detailed of financial instruments by classification;
2. Fair value and hierarchy of each group of financial instruments;
3. Explanation of risks relating to financial instruments: market risks, credit risks,
and liquidity risks;
4. Risk management policies; and
5. Quantitative risk analysis relating to financial instruments.
Penerbitan laporan keuangan Hal-hal yang diungkapkan antara lain: Laporan Keuangan
Publication of financial statements 1. Tanggal laporan keuangan diotorisasi untuk terbit; dan Halaman Auditor
2. Pihak yang bertanggung jawab mengotorisasi laporan keuangan. Independen
Items disclosed among others are: Financial
1. Authorized publication date of the financial statements; and Statements,
2. The party responsible for the financial statements authorization. Independent
Auditor’s Page

Laporan Keuangan

DAN ENTITAS ANAK/AND ITS SUBSIDIARY
LAPORAN KEUANGAN KONSOLIDASIAN/

CONSOLIDATED FINANCIAL STATEMENTS
31 DESEMBER 2019 DAN 2018/

31 DECEMBER 2019 AND 2018
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENTS OF

KONSOLIDASIAN FINANCIAL POSITION
31 DESEMBER 2019 DAN 2018 31 DECEMBER 2019 AND 2018
(Dinyatakan dalam ribuan Rupiah, kecuali dinyatakan lain) (Expressed in thousands of Rupiah, unless otherwise stated)
Catatan/
Notes 2019 2018
ASET ASSETS
Kas 2d,2h,4 40,655,817 57,675,937 Cash

Giro pada Bank Indonesia 2d,2i,5 1,810,636,332 1,551,075,080 Current accounts with Bank Indonesia
Giro pada bank lain 2d,2i,6 125,446,536 91,961,736 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 2d,2j,7 306,638,566 2,401,787,349 and other banks
Efek-efek 2d,2k,8 7,911,479,716 6,797,477,920 Marketable securities

Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai 2g,8 (11,240,001) (72,957,274) impairment losses
7,900,239,715 6,724,520,646
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 2d,2m,9 1,000,005,891 1,000,011,192 resale agreement
Pendapatan bunga dan syariah Interest and sharia

yang masih akan diterima 2d,10 192,745,353 189,997,490 income receivables
Biaya dibayar dimuka 2s,14 25,668,592 21,403,541 Prepaid expenses
Pinjaman yang diberikan, 2d Loans, sharia
pembiayaan dan piutang syariah 2l,2af,11,42 financing and receivables
- Pihak berelasi 246,156,794 84,330,243 Related parties -
- Pihak ketiga 17,193,962,738 16,309,266,071 Third parties -
17,440,119,532 16,393,596,314
17,054,738,234 16,102,771,560
Tagihan akseptasi 2d,2n,12 66,543,426 164,546,909 Acceptance receivables

Penyertaan saham 2o,13 86,225,522 60,469 Investments in shares
penurunan nilai 2g (605) (605) impairment losses
86,224,917 59,864
Agunan yang diambil alih 2r,16 1,273,552,074 1,211,740,228 Foreclosed assets

1,105,207,216 1,054,019,933
Aset pajak tangguhan - neto 2ab,24c 162,297,748 172,901,613 Deferred tax assets - net
Aset tetap 2p,15 588,788,945 595,089,067 Fixed assets
Dikurangi: Akumulasi penyusutan (67,053,161) (53,805,329) Less: Accumulated depreciation
521,735,784 541,283,738
Aset takberwujud - bersih 2q,17 7,546,157 8,653,753 Intangible assets - net

Aset lain-lain 2d,2s,18 51,800,211 89,644,996 Other assets
penurunan nilai 2g (1,671,693) - impairment losses
Aset lain-lain 50,128,518 89,644,996 Other assets
JUMLAH ASET 30,456,458,802 30,172,315,337 TOTAL ASSETS
Catatan atas laporan keuangan merupakan bagian yang tidak The accompanying notes to the consolidated financial statements
terpisahkan dari laporan keuangan konsolidasian secara form an integral part of these consolidated financial
keseluruhan. statements.
Lampiran – 1/1 – Schedule


Catatan/
Notes 2019 2018
LIABILITAS, DANA SYIRKAH LIABILITIES, TEMPORARY

TEMPORER DAN EKUITAS SYIRKAH FUND AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 2d,2t,19 2,077,421 4,393,198 Obligations due immediately

Simpanan nasabah 2d,2u,2af Deposits from customers
- Pihak berelasi 20,42 474,611,660 182,765,776 Related parties -
21,791,637,063 20,636,380,394
Simpanan dari bank lain 2d,2u,21 Deposits from other banks
- Pihak ketiga 909,309,808 1,835,799,330 Third parties -
Efek-efek yang dijual Securities sold under

dengan janji dibeli kembali 2d,2m,23 1,000,000,721 1,302,663,597 repurchase agreement
Utang akseptasi 2d,2n,12 49,005,961 161,198,275 Acceptance payables
Efek-efek yang diterbitkan 2d,2w,22 1,780,135,010 1,585,722,555 Securities issued
Utang pajak 2ab,24a Taxes payable
- Pajak penghasilan badan 206,555 36,746,786 Corporate income tax -
- Pajak lainnya 29,769,686 28,584,343 Other taxes -
29,976,241 65,331,129
Liabilitas imbalan kerja karyawan 2ac,26 65,755,469 73,621,459 Employee benefits obligation
Akrual dan liabilitas lain-lain 2d,25 154,416,158 143,460,303 Accruals and other liabilities
JUMLAH LIABILITAS 25,782,313,852 25,808,570,240 TOTAL LIABILITIES
DANA SYIRKAH TEMPORER TEMPORARY SYIRKAH FUND
Simpanan nasabah 2v,2af,27a,42 Deposits from customers

- Pihak berelasi 25,262,845 27,576,662 Related parties -
1,506,190,347 1,450,019,692
Simpanan bank lain 2v,27b Deposits from other banks

- Pihak ketiga 181,500,000 107,700,000 Third parties -
JUMLAH DANA SYIRKAH TOTAL TEMPORARY SYIRKAH

TEMPORER 1,687,690,347 1,557,719,692 FUND


Catatan/
Notes 2019 2018
LIABILITAS, DANA SYIRKAH LIABILITIES, TEMPORARY SYIRKAH

TEMPORER DAN EKUITAS (lanjutan) FUND AND EQUITY (continued)
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity holders
kepada pemilik entitas induk of the parent entity
Modal saham - nilai nominal Share capital - par value
Rp 100 (dalam Rupiah penuh) Rp 100 (full amount)
per saham per share
Modal dasar - 14.000.000.000 Authorised capital - 14,000,000,000
saham pada shares on
31 Desember 2019 dan 2018 31 December 2019 and 2018
Modal ditempatkan dan disetor Issued and fully paid
penuh - 8.951.947.039 capital - 8,951,947,039
saham pada tanggal shares as at
(8.671.048.162 saham pada (8,671,048,162 shares as at
31 Desember 2018) 28 895,194,704 867,104,816 31 December 2018)
Tambahan modal disetor 29 282,775,419 211,681,207 Additional paid-in capital
Keuntungan/(kerugian) yang belum

direalisasi atas perubahan nilai wajar Unrealised gain/(loss) on changes
efek-efek yang tersedia untuk dijual, in fair value of available-for-sale
setelah pajak 2d,2k 30,500,208 (58,234,544) marketable securities, net of tax
Surplus revaluasi aset tetap, Gain on revaluation of

setelah pajak 339,335,782 355,458,556 fixed assets, net of tax

imbalan kerja, setelah pajak 19,107,162 12,832,966 benefit liabilities, net of tax
Saldo laba: Retained earnings:

- Telah ditentukan penggunaannya 186,356,165 175,156,165 Appropriated -
- Belum ditentukan penggunaannya 1,233,168,159 1,242,009,929 Unappropriated -
2,986,437,599 2,806,009,095
Kepentingan nonpengendali 2c,45 17,004 16,310 Non-controlling interest
JUMLAH EKUITAS 2,986,454,603 2,806,025,405 TOTAL EQUITY
JUMLAH LIABILITAS, DANA SYIRKAH TOTAL LIABILITIES,TEMPORARY

TEMPORER DAN EKUITAS 30,456,458,802 30,172,315,337 SYIRKAH FUND AND EQUITY

LAPORAN LABA RUGI DAN CONSOLIDATED STATEMENTS

PENGHASILAN KOMPREHENSIF LAIN OF PROFIT OR LOSS AND
KONSOLIDASIAN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED
Catatan/
Notes 2019 2018
PENDAPATAN DAN BEBAN OPERATING INCOME

OPERASIONAL AND EXPENSES
Pendapatan bunga dan syariah 2y,32 2,223,204,722 2,280,212,771 Interest and sharia income
Beban bunga dan syariah 2y,33 (1,954,056,503) (1,820,882,197) Interest and sharia expenses
Pendapatan bunga dan Interest and
syariah - bersih 269,148,219 459,330,574 sharia income - net
PENDAPATAN DAN BEBAN OTHER OPERATING

OPERASIONAL LAINNYA INCOME AND EXPENSES
Pendapatan operasional lainnya Other operating income

Pendapatan dari investasi
reksadana 106,863,137 93,385,564 Income from mutual funds
Keuntungan atas penjualan Gains on sale of trading
efek-efek yang diperdagangkan and available-for-sale
dan tersedia untuk dijual - neto 2d 165,444,071 118,978,200 securities - net
Provisi dan komisi selain dari Fees and commissions from
pinjaman 2z 7,442,374 13,351,040 transactions other loans
Keuntungan/(kerugian) atas perubahan
nilai wajar efek-efek Gain/(loss) on changes in fair value
yang diperdagangkan - neto 2d 2,918,643 (233,075) of trading securities - net
Lain-lain 34 79,486,605 153,407,644 Others
Jumlah pendapatan operasional
lainnya 362,154,830 378,889,373 Total other operating income
Beban operasional lainnya Other operating expenses

Beban penyisihan kerugian Provision for impairment losses
penurunan nilai aset keuangan 2g,35 (192,069,811) (247,373,477) on financial assets
Beban penyisihan Provision for
kerugian penurunan nilai impairment losses on
aset non-keuangan 2g,35 (13,171,274) (81,400,646) non-financial assets
Kerugian atas perubahan Loss on changes
nilai wajar penyertaan saham in fair value of trading
yang diperdagangkan 2d (20,325,000) - investment in shares
General and administrative
Beban umum dan administrasi 2aa,36 (178,693,138) (179,181,242) expenses
Beban tenaga kerja 2aa,37 (189,748,227) (192,326,818) Personnel expenses
Lain-lain 38 (54,349,199) (40,769,520) Others
Jumlah beban operasional lainnya (648,356,649) (741,051,703) Total other operating expenses
(RUGI)/LABA OPERASIONAL (17,053,600) 97,168,243 (LOSS)/INCOME FROM OPERATIONS
BEBAN NON NON-OPERATING

OPERASIONAL - NETO 39 (7,671,733) (3,808,328) EXPENSE - NET
(RUGI)/LABA SEBELUM BEBAN (LOSS)/INCOME BEFORE
PAJAK PENGHASILAN (24,725,333) 93,359,916 INCOME TAX EXPENSE
MANFAAT/(BEBAN) PAJAK INCOME TAX
PENGHASILAN - NETO 2ab,24b 10,960,833 (14,277,995) BENEFIT/(EXPENSE) - NET
(RUGI)/LABA BERSIH TAHUN BERJALAN (13,764,500) 79,081,921 NET (LOSS)/INCOME FOR THE YEAR

LAPORAN LABA RUGI DAN CONSOLIDATED STATEMENTS

PENGHASILAN KOMPREHENSIF LAIN OF PROFIT OR LOSS AND
KONSOLIDASIAN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED
Catatan/
Notes 2019 2018
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE

LAIN: INCOME:
Pos-pos yang akan direklasifikasi Items that would be reclassified

ke laba rugi to profit or loss
Perubahan nilai wajar Changes in fair value of
efek-efek yang available-for-sale
tersedia untuk dijual 2d,2k 115,148,838 (165,420,037) marketable securities
Pajak tangguhan terkait 24c (26,413,421) 37,476,015 Related deferred income tax
Penghasilan/(rugi) komprehensif Other comprehensive income/
lain - neto setelah pajak 88,735,417 (127,944,022) (loss) - net of tax
Pos yang tidak akan Items that would never be

direklasifikasi ke laba rugi reclassified to profit or loss
Pengukuran kembali atas Remeasurements on
liabilitas imbalan kerja 26 8,365,580 10,569,120 employee benefit liabilities
Pajak tangguhan terkait 24c (2,091,399) (2,042,917) Related deferred income tax
6,274,181 8,526,203
PENGHASILAN/(RUGI) OTHER COMPREHENSIVE

KOMPREHENSIF LAIN, INCOME/(LOSS),
SETELAH PAJAK PENGHASILAN 95,009,598 (119,417,819) NET OF INCOME TAX
JUMLAH PENGHASILAN/(RUGI) TOTAL COMPREHENSIVE

KOMPREHENSIF 81,245,098 (40,335,898) INCOME/(LOSS)
(Rugi)/laba bersih yang dapat Net (loss)/income

diatribusikan kepada: attributable to:
Pemilik entitas induk (13,764,544) 79,081,642 Equity holders of the parent entity
Kepentingan nonpengendali 2c,45 44 279 Non-controlling interest
(13,764,500) 79,081,921
Laba/(rugi) komprehensif yang Comprehensive income/(loss)

dapat diatribusikan kepada: attributable to:
Pemilik entitas induk 81,244,448 (40,334,062) Equity holders of the parent entity
Kepentingan nonpengendali 2c 650 (1,836) Non-controlling interest
81,245,098 (40,335,898)
(LOSS)/EARNINGS PER SHARE

(RUGI)/LABA BERSIH PER SAHAM ATTRIBUTABLE TO ENTITY
YANG DAPAT DIATRIBUSIKAN HOLDERS OF THE
KEPADA PEMILIK ENTITAS INDUK PARENT ENTITY
Dasar (Rupiah penuh) 2ad,40 (1.56) 9.12 Basic (whole Rupiah)
Dilusian (Rupiah penuh) 2ad,40 (1.56) 9.12 Diluted (whole Rupiah)

LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY

UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
Keuntungan/
(kerugian) yang
belum direalisasi
dari efek-efek
yang tersedia
untuk dijual -
setelah pajak/ Pengukuran
Unrealised Surplus kembali atas
gain/(losses) on revaluasi aset liabilitas imbalan
Modal
ditempatkan changes in fair tetap - setelah kerja - setelah Saldo laba/ Kepentingan
dan disetor value of available- pajak/ pajak/ Retained earnings non
penuh/ Tambahan for-sale Gain on Remeasurements Telah Belum pengendali/
Issued and modal disetor/ marketable revaluation of on employee ditentukan ditentukan Non- Jumlah
Catatan/ fully paid Additional securities - net fixed assets - benefit liabilities - penggunaannya/ penggunaannya/ Jumlah/ controlling ekuitas/
Notes capital paid-in capital of tax net of tax net of tax Appropriated Unappropriated Total interest Total equity
Saldo per 1 Januari 2019 867,104,816 211,681,207 (58,234,544) 355,458,556 12,832,966 175,156,165 1,242,009,929 2,806,009,095 16,310 2,806,025,405 Balance as at 1 January 2019
Penambahan saham baru dari Penerbitan Additional of new shares from exercise
Saham Tanpa Hal Memesan Efek Terlebih of Additional Shares Without
Dahulu pada tahun 2019 28 28,089,888 71,094,212 - - - - - 99,184,100 - 99,184,100 Preemptive Rights in 2019
Penghasilan komprehensif lain: Other comprehensive income:
Aset keuangan tersedia untuk dijual, Available-for-sale financial assets,
setelah pajak - - 88,734,752 - - - - 88,734,752 665 88,735,417 net of tax
Surplus atas revaluasi aset tetap, Gain on revaluation of fixed assets,
setelah pajak 2p,15 - - - (16,122,774) - - 16,122,774 - - - net of tax
imbalan kerja, setelah pajak 26 - - - - 6,274,196 - - 6,274,196 (15) 6,274,181 benefit liabilities, net of tax
Pembentukan cadangan umum 30 - - - - - 11,200,000 (11,200,000) - - - Appropriation for general reserve
Rugi bersih tahun berjalan - - - - - - (13,764,544) (13,764,544) 44 (13,764,500) Net loss for the year
Saldo per 31 Desember 2019 895,194,704 282,775,419 30,500,208 339,335,782 19,107,162 186,356,165 1,233,168,159 2,986,437,599 17,004 2,986,454,603 Balance as at 31 December 2019

LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY

Keuntungan/
(kerugian) yang
belum direalisasi
dari efek-efek
yang tersedia
untuk dijual,
setelah pajak/ Pengukuran
Unrealised Surplus kembali atas
gain/(losses) on revaluasi aset liabilitas imbalan
Modal
ditempatkan changes in fair tetap, setelah kerja, setelah Saldo laba/ Kepentingan
dan disetor value of available- pajak/ pajak/ Retained earnings non
penuh/ Tambahan for-sale Gain on Remeasurements Telah Belum pengendali/
Issued and modal disetor/ marketable revaluation of on employee ditentukan ditentukan Non- Jumlah
Catatan/ fully paid Additional securities, net fixed assets, benefit liabilities, penggunaannya/ penggunaannya/ Jumlah/ controlling ekuitas/
Notes capital paid-in capital of tax net of tax net of tax Appropriated Unappropriated Total interest Total equity
Saldo per 1 Januari 2018 867,104,816 211,681,207 69,692,001 355,458,556 4,306,897 150,156,165 1,187,928,287 2,846,327,929 17,867 2,846,345,796 Balance as at 1 January 2018
Penghasilan komprehensif lain: Other comprehensive income:

Aset keuangan tersedia untuk dijual, Available-for-sale financial assets,
setelah pajak - - (127,926,545) - - - - (127,926,545) (1,970) (127,928,515) net of tax
imbalan kerja, setelah pajak 26 - - - - 8,526,069 - - 8,526,069 134 8,526,203 benefit liabilities, net of tax
Pembentukan cadangan umum 30 - - - - - 25,000,000 (25,000,000) - - - Appropriation for general reserve
Laba bersih tahun berjalan - - - - - - 79,081,642 79,081,642 279 79,081,921 Net income for the year
Saldo per 31 Desember 2018 867,104,816 211,681,207 (58,234,544) 355,458,556 12,832,966 175,156,165 1,242,009,929 2,806,009,095 16,310 2,806,025,405 Balance as at 31 December 2018

LAPORAN ARUS KAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CASH FLOWS

Catatan/
Notes 2019 2018
ARUS KAS DARI CASH FLOWS FROM

AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan dari pendapatan bunga Receipt from interest and sharia
dan syariah dan komisi 2,178,472,473 2,276,205,957 income and commissions
Payment of interest
Pembayaran bunga dan syariah (1,951,511,944) (1,820,179,408) and sharia expense
Penerimaan dari pendapatan
operasional lainnya 397,952,267 319,729,357 Receipt from other operating income
Penerimaan dari penjualan agunan Receipt from sale
yang diambil alih 274,059,707 73,006,271 of foreclosed assets
Pembayaran beban umum Payment of general and
dan administrasi (141,077,208) (141,048,534) administrative expenses
Pembayaran beban tenaga kerja (189,029,991) (185,326,295) Payment of personnel expenses
Pembayaran beban operasional Payments of other
lainnya (68,248,359) (52,717,478) operating expenses
(Pembayaran)/penerimaan dari (Payment)/receipt from
pendapatan non-operasional lainnya (89,106,558) 100,998,717 other non-operating income
Pembayaran pajak penghasilan (43,480,353) (39,085,926) Payment of income tax
368,030,034 531,582,661
(Kenaikan)/penurunan dalam (Increase)/decrease in

aset operasi: operating assets:
Penempatan pada Bank Indonesia (20,000,000) - Placements with Bank Indonesia
Pinjaman yang diberikan (1,139,407,281) (745,418,823) Loans
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 5,301 (1,000,011,192) under resale agreements
Beban dibayar dimuka (4,264,280) 202,498 Prepaid expenses
Agunan yang diambil alih (343,313,775) (817,569,561) Foreclosed assets
Penyertaan saham (86,165,053) (4,973,865) Investments in shares
Aset lain-lain 26,576,006 (104,944,189) Other assets
Kenaikan/(penurunan) dalam Increase/(decrease) on

kewajiban operasi: operating liabilities:
Liabilitas segera (2,808,981) (119,722) Obligations due immediately
Simpanan nasabah 1,154,755,462 (138,645,934) Deposits from customers
Simpanan dari bank lain (926,042,467) (431,030,526) Deposits from other banks
Utang pajak lainnya 1,185,344 2,372,535 Other tax payables
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali (302,662,876) 1,302,663,597 repurchase agreements
Liabilitas lain-lain (265,962) 219,815 Other liabilities
Dana syirkah temporer 129,970,654 62,432,120 Temporary syirkah funds
Arus kas bersih (digunakan untuk) Cash flow (used in)

aktivitas operasi (1,144,407,874) (1,343,240,586) operating activities
ARUS KAS DARI AKTIVITAS NET CASH FLOWS FROM

INVESTASI INVESTING ACTIVITIES
Hasil penjualan aset tetap 15 7,294,881 912,768 Proceeds from sale of fixed assets
Pembelian aset tetap 15 (6,718,826) (28,228,305) Purchase of fixed assets
Pembelian aset takberwujud 17 (1,296,713) (5,453,317) Purchase of intangible assets
Purchase/(sale) of marketable
Pembelian/(penjualan) efek-efek (916,575,057) 1,183,355,267 securities
Arus kas bersih (digunakan untuk)/ Net cash flow (used in)/
diperoleh dari aktivitas provided from investing
investasi (917,295,715) 1,150,586,413 activities
terpisahkan dari laporan keuangan konsolidasian secara form an integral part of these consolidated financial statements.
keseluruhan.

LAPORAN ARUS KAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CASH FLOWS

Catatan/
Notes 2019 2018
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

PENDANAAN FINANCING ACTIVITIES
Penambahan modal disetor 99,184,100 - Additional paid-in capital
Penerbitan obligasi 22 500,000,000 650,000,000 Bonds issuance
Pelunasan jatuh tempo obligasi 22 (300,000,000) (200,000,000) Bonds repayment
Arus kas bersih diperoleh dari Net cash flow provided

aktivitas pendanaan 299,184,100 450,000,000 from financing activities
(PENURUNAN)/KENAIKAN BERSIH NET (DECREASE)/INCREASE OF

KAS DAN SETARA KAS (1,762,519,489) 257,345,827 CASH AND CASH EQUIVALENT
KAS DAN SETARA KAS PADA CASH AND CASH EQUIVALENTS

AWAL TAHUN 3,908,258,174 3,650,912,347 AT BEGINNING OF YEAR
KAS DAN SETARA KAS PADA CASH AND CASH EQUIVALENTS

AKHIR TAHUN 2,145,738,685 3,908,258,174 AT END OF YEAR
Cash and cash equivalent

Kas dan setara kas terdiri dari: consist of:
Kas 4 40,655,817 57,675,937 Cash
Current accounts with
Giro pada Bank Indonesia 5 1,810,636,332 1,551,075,080 Bank Indonesia
Current accounts with
Giro pada Bank lain 6 125,446,536 91,961,736 other banks
Placements less than
Penempatan dibawah 3 bulan 7b 169,000,000 2,207,545,421 3 months
Jumlah kas dan setara kas 2,145,738,685 3,908,258,174 Total cash and cash equivalent
terpisahkan dari laporan keuangan konsolidasian secara form an integral part of these consolidated financial statements.
keseluruhan.

CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED

KONSOLIDASIAN FINANCIAL STATEMENTS
1. INFORMASI UMUM 1. GENERAL INFORMATION
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank Victoria International Tbk (“Bank”) PT Bank Victoria International Tbk (“the Bank”)
didirikan pada tanggal 28 Oktober 1992 was established on 28 October 1992 based on
berdasarkan Akta Notaris A. Partomuan Pohan, Notarial Deed No. 71 of A. Partomuan Pohan,
S.H., LL.M. No. 71 yang selanjutnya diadakan S.H., LL.M., subsequently amended by Deed
pembetulan dengan Akta No. 30 tanggal 8 Juni No. 30 dated 8 June 1993 from the same
1993 dari Notaris yang sama. Akta pendirian notary. The deed of establishment was
tersebut disahkan oleh Menteri Kehakiman approved by the Ministry of Justice of the
Republik Indonesia melalui Surat Keputusan Republic of Indonesia in its Decision Letter No.
No. C2-4903.HT.01.01.TH 93 tanggal 19 Juni C2-4903.HT.01.01.TH 93 dated 19 June 1993
1993 dan telah didaftarkan pada Kepaniteraan and was registered at the State Court Secretary
Pengadilan Negeri Jakarta Utara in North Jakarta No. 342/Leg/1993 dated 29
No.342/Leg/1993 tanggal 29 Juni 1993 serta June 1993 also was published in Supplement
telah diumumkan dalam Berita Negara Republik No. 2602 to the State Gazette of the Republic of
Indonesia No. 39, Tambahan No. 2602 tanggal Indonesia No. 39 dated 15 May 1998. The
15 Mei 1998. Anggaran Dasar Bank telah Bank’s articles of association has been
beberapa kali mengalami perubahan, amended several times, and the latest was
perubahan terakhir Anggaran Dasar dengan based on Notarial Deed No. 45 dated 26
Akta No. 45 tanggal 26 Oktober 2018 yang October 2018 of Fatiah Helmi, S.H., a notary in
dibuat dihadapan Fathiah Helmi, S.H., Notaris Jakarta which has been approved by Ministry of
di Jakarta yang telah mendapat persetujuan Law and Human Rights of the Republic of
dari Kementerian Hukum dan Hak Asasi Indonesia No. AHU-024249.AH.01.02.TH 2018
Manusia Republik Indonesia No. AHU- and has been accepted and recorded in
024249.AH.01.02. TH 2018 dan telah diterima database of Legal Entities Administration
dan dicatat dalam database Sistem Administrasi System of the Ministry of Law and Human
Badan Hukum Kementerian Hukum dan Hak Rights of the Republic of Indonesia in its Letter
Asasi Manusia Republik Indonesia No. AHU- No. AHU-AH.01.03-0260632 dated 5 November
AH.01.03-0260632 tanggal 5 November 2018. 2018.
Sesuai dengan pasal 3 anggaran dasar Bank, According to article 3 of the Bank’s articles of
ruang lingkup kegiatan Bank adalah association, the scope of Bank’s activities is to
menjalankan usaha sebagai bank umum sesuai engage in commercial banking activities in
dengan ketentuan dan perundang-undangan accordance with the existing regulations. The
yang berlaku. Bank mulai beroperasi secara Bank commenced its commercial operations on
komersial pada tanggal 5 Oktober 1994 sesuai 5 October 1994 based on the operating
dengan izin usaha yang diberikan oleh Menteri license from the Ministry of Finance of the
Keuangan Republik Indonesia dalam Surat Republic of Indonesia in its Decision Letter
Keputusan No. 402/KMK.017/1994 tanggal 10 No.402/KMK.017/1994 dated 10 August 1994.
Agustus 1994.
Bank telah mendapatkan izin menjadi bank Bank was approved as a foreign exchange bank
devisa pada tanggal 13 Desember 2016 sesuai on 13 December 2016 in accordance with
dengan Surat Kepala Departemen Perizinan Head of Licensing and Banking Information
dan Informasi Perbankan - Otoritas Jasa Department Letter - Financial Services Authority
Keuangan No. S-423/PB.12/2016 dan efektif (“OJK”) and effectively commenced as a foreign
beroperasi menjadi bank devisa pada exchange bank on 20 February 2017. The Bank
tanggal 20 Februari 2017. Bank memperoleh obtained a license as money changer from Bank
izin usaha sebagai pedagang valuta asing Indonesia based on Letter No. 029/126/UOPM
dari Bank Indonesia berdasarkan Surat dated 25 March 1997.
No. 029/126/UOPM tanggal 25 Maret 1997.
Kantor Pusat Bank berlokasi di Graha BIP The Bank’s Head Office is located at Graha BIP
Lantai 10, Jalan Gatot Subroto Kav. 23 Jakarta. 10th Floor, Jalan Gatot Subroto Kav. 23 Jakarta.
Bank memiliki kantor pusat, dengan kantor The Bank has operational head office and a
cabang utama, kantor cabang pembantu dan number of branches, sub-branches and cash
kantor kas sebagai berikut (tidak diaudit): offices as follows (unaudited):
2019 2018
Kantor Pusat 1 1 Head Office

Kantor Cabang 14 12 Branches
Kantor Cabang Pembantu 63 65 Sub-Branches
Kantor Kas 8 14 Cash Offices


1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank issuance of bonds
Penawaran umum saham Public offering of shares
Pada tanggal 4 Juni 1999, Bank memperoleh On 4 June 1999, the Bank obtained an effective
pernyataan efektif dari Ketua Badan Pengawas notification from the Chairman of the Capital
Pasar Modal (Bapepam) melalui Surat Market Supervisory Agency (Bapepam) through
No. S-835/PM/1999 untuk melakukan Letter No. S-835/PM/1999 to conduct an initial
penawaran umum perdana kepada masyarakat public offering of 250,000,000 shares with a par
sejumlah 250.000.000 saham dengan nilai value and an offering price of Rp 100 (full
nominal dan harga penawaran sebesar Rp 100 amount) per share and 80,000,000 Series I
(dalam Rupiah penuh) per saham dan sejumlah Warrants. On 30 June 1999, the Bank’s shares
80.000.000 Waran Seri I. Pada tanggal 30 Juni have been listed in Jakarta Stock Exchange.
1999, saham tersebut telah dicatatkan pada
Bursa Efek Jakarta.
Pada tanggal 14 Agustus 2000, Bank On 14 August 2000, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Bapepam melalui Surat No.S-2044/PM/2000 Bapepam through Letter No. S-2044/PM/2000
untuk melakukan Penawaran Umum Terbatas to conduct Limited Public Offering (LPO) I to
(PUT) I kepada para pemegang saham dalam issue Preemptive Rights of 614,000,000 shares
rangka penerbitan Hak Memesan Efek Terlebih with a par value of Rp 100 (full amount) and an
Dahulu sejumlah 614.000.000 saham dengan offering price of Rp 115 (full amount) per share
nilai nominal sebesar Rp 100 (dalam Rupiah and 85,960,000 Series II Warrants. On 28
penuh) dan harga penawaran sebesar Rp 115 September 2000, these shares had been listed
(dalam Rupiah penuh) per saham dan sejumlah in Jakarta Stock Exchange. From LPO I, the
85.960.000 Waran Seri II. Pada tanggal 28 shares that were undertaken by the entitled
September 2000, saham tersebut telah shareholders was 100,000,000 shares.
dicatatkan pada Bursa Efek Jakarta. Dari PUT I
ini, jumlah yang diambil oleh pemegang saham
yang berhak sejumlah 100.000.000 saham.
Pada tanggal 21 Februari 2003, Bank On 21 February 2003, the Bank obtained an
Bapepam melalui Surat No. S-36/PM/2003 Bapepam through Letter No. S-36/PM/2003 to
untuk melakukan PUT II dengan Hak Memesan conduct LPO II to issue Pre-emptive Rights of
Efek Terlebih Dahulu sejumlah 705.243.360 705,243,360 shares with a par value and an
saham dengan nilai nominal dan harga offering price of Rp 100 (full amount) per share
penawaran sebesar Rp 100 (dalam Rupiah and 423,146,016 Series III Warrants.
penuh) per saham dan sejumlah 423.146.016
Waran Seri III.
Pada tanggal 20 Maret 2003, saham tersebut On 20 March 2003, these shares had been
telah dicatatkan pada Bursa Efek Jakarta. Dari listed in Jakarta Stock Exchange. From LPO II,
PUT II ini, jumlah yang diambil oleh pemegang the shares that were undertaken by the entitled
saham yang berhak sejumlah 400.000.000 shareholders was 400,000,000 shares.
saham.
Pada tanggal 12 Juni 2006, Bank memperoleh On 12 June 2006, the Bank obtained an
pernyataan efektif dari Ketua Badan Pengawas effective notification from the Chairman of
Pasar Modal dan Lembaga Keuangan Capital Market and Financial Institutions
(Bapepam dan LK) melalui Surat No. S- Supervisory Agency (Bapepam and LK) through
452/BL/2006 untuk melakukan PUT III sejumlah Letter No. S-452/BL/2006 to conduct LPO III of
670.363.760 saham dengan nilai nominal 670,363,760 shares with a par value of Rp 100
sebesar Rp 100 (dalam Rupiah penuh) dan (full amount) and an offering price of Rp 115 (full
harga penawaran sebesar Rp 115 (dalam amount) per share and 469,277,676 Series IV
Rupiah penuh) per saham dan sebanyak- Warrants. On 13 July 2006, these shares had
banyaknya 469.277.676 Waran Seri IV. Pada been listed in Jakarta Stock Exchange. From
tanggal 13 Juli 2006, saham tersebut telah LPO III, the shares that were undertaken by the
dicatatkan pada Bursa Efek Jakarta. Dari PUT entitled shareholders was 670,363,760 shares.
III ini, jumlah yang diambil oleh pemegang
saham yang berhak sejumlah 670.363.760
saham.


obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum saham (lanjutan) Public offering of shares (continued)
pernyataan efektif dari Ketua Bapepam dan LK effective notification from the Chairman of
melalui Surat No.S-4114/BL/2008 untuk Bapepam and LK through Letter No.S-
melakukan PUT IV sejumlah 1.167.498.560 4114/BL/2008 to conduct LPO IV of
saham dengan nilai nominal dan harga 1,167,498,560 shares with a par value and an
penawaran sebesar Rp 100 (dalam Rupiah offering price of Rp 100 (full amount) per share
penuh) per saham dan sejumlah 630.449.220 and 630,449,220 Series V Warrants.
Waran Seri V.
melalui Surat No.S-6737/BL/2011 untuk Bapepam and LK through Letter No. S-
melakukan PUT V sejumlah 1.954.919.259 6737/BL/2011 to conduct LPO V of
saham dengan nilai nominal dan harga 1,954,919,259 shares with a par value and an
penawaran sebesar Rp 100 (dalam Rupiah offering price of Rp 100 (full amount) per share
penuh) per saham dan sejumlah 1.448.939.990 and 1,448,939,990 Series VI Warrants.
Waran Seri VI.
Berikut adalah kronologis jumlah modal saham The chronological overview of total issued and
yang ditempatkan dan disetor penuh serta fully paid capital and shares listed at stock
saham yang dicatatkan pada bursa efek di exchange in Indonesia from Initial Public
Indonesia sejak Penawaran Umum Perdana Offering up to 31 December 2019 is as follows:
sampai dengan tanggal 31 Desember 2019:
Jumlah saham/
Number of shares
Saham yang berasal dari Penawaran Umum

Perdana pada tahun 1999 250,000,000 Shares from Initial Public Offering in 1999
Saham yang berasal dari pendiri 250,000,000 Founders’ shares
Saham yang berasal dari kapitalisasi Shares from capitalisation of
saldo laba 34,000,000 retained earnings
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering with
Terbatas I dengan Hak Memesan Efek Preemptive Rights
Terlebih Dahulu pada tahun 2000 100,000,000 (Rights Issue) I in 2000
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri I dan II pada tahun 2002 66,793,400 Series I and II Warrants in 2002
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas II dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2003 400,000,000 (Rights Issue) II in 2003
Waran Seri III pada tahun 2004 193,799,960 Series III Warrants in 2004
Waran Seri III pada tahun 2006 46,200,000 Series III Warrants in 2006
Terbatas III dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2006 670,363,760 (Rights Issue) III in 2006
Waran Seri IV pada tahun 2007 323,840,000 Series IV Warrants in 2007
Terbatas IV dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2008 1,167,498,560 (Rights Issue) IV in 2008
Waran Seri IV dan V pada tahun 2009 344,244,500 Series IV and V Warrants in 2009
Terbatas V dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2011 1,954,919,259 (Rights Issue) V in 2011


Penawaran umum saham (lanjutan) Public offering of shares (continued)

Jumlah saham/
Number of shares
Saham yang berasal dari Penerbitan Saham
Tanpa Hak Memesan Efek Terlebih Shares from Issuance of Shares without
Dahulu pada tahun 2011 414,580,000 Preemptive Rights in 2011
Waran Seri V dan VI pada tahun 2012 56,673,554 Series V and VI Warrants in 2012
Waran Seri V dan VI pada tahun 2013 25,923,831 Series V and VI Warrants in 2013
Waran Seri VI pada tahun 2014 508,898,707 Series VI Warrants in 2014
Waran Seri VI pada tahun 2015 300 Series VI Warrants in 2015
Waran Seri VI pada tahun 2016 751,486,547 Series VI Warrants in 2016
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada Tahun 2016 780,394,335 Preemptive Rights in 2016
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada Tahun 2019 280,898,877 Preemptive Rights in 2019
Jumlah modal saham yang ditempatkan dan
disetor penuh 8,951,947,039*) Total issued and fully paid capital
*) *)
Jumlah modal saham yang ditempatkan dan disetor penuh Number of shares issued and fully paid includes 1% of
termasuk 1% saham yang tidak diperdagangkan pada delisted shares in the stock exchange in accordance with
PT. Bursa Efek Indonesia (delisted) sesuai ketentuan Government Regulation No. 29 Year 1999.
Peraturan Pemerintah RI No 29 tahun 1999.
Penawaran umum obligasi Public offering of bonds
Pada tanggal 28 Desember 1999, Bank On 28 December 1999, the Bank obtained an
Bapepam melalui Surat No. S-2683/PM/1999 Bapepam through Letter No. S-2683/PM/1999
untuk melakukan penawaran umum Obligasi for the public offering of Bank Victoria Bonds I
Bank Victoria I Tahun 2000 sejumlah Year 2000 amounting to Rp 100,000,000. On 14
Rp 100.000.000. Pada tanggal 14 Maret 2000, March 2000, the Bonds had been listed in
Obligasi tersebut telah dicatatkan pada Bursa Surabaya Stock Exchange.
Efek Surabaya.
Pada tanggal 9 Maret 2007, Bank memperoleh On 9 March 2007, the Bank obtained an
melalui Surat No. S-1080/BL/2007 untuk Bapepam and LK through Letter No. S-
melakukan penawaran umum Obligasi Bank 1080/BL/2007 for the public offering of Bank
Victoria II Tahun 2007 dan Obligasi Subordinasi Victoria Bonds II Year 2007 and Bank Victoria
Bank Victoria I Tahun 2007 masing-masing Subordinated Bonds I Year 2007, each
sejumlah Rp 200.000.000. Pada tanggal 22 amounting to Rp 200,000,000. On 22 March
Maret 2007, Obligasi-obligasi tersebut telah 2007, the Bonds had been listed in Indonesian
dicatatkan pada Bursa Efek Indonesia. Stock Exchange.
melalui Surat No. S-7574/BL/2012 untuk Bapepam and LK through Letter No.S-
melakukan penawaran umum Obligasi Bank 7574/BL/2012 for the public offering of Bank
Victoria III Tahun 2012 dan Obligasi Victoria Bonds III Year 2012 and Bank Victoria
Subordinasi Bank Victoria II Tahun 2012 Subordinated Bonds II Year 2012, amounting to
masing-masing sejumlah Rp 200.000.000 dan Rp 200,000,000 and Rp 300,000,000,
Rp 300.000.000. Pada tanggal 28 Juni 2012, respectively. On 28 June 2012, the Bonds had
Obligasi-obligasi tersebut telah dicatatkan pada been listed in Indonesian Stock Exchange.
Bursa Efek Indonesia.


Penawaran umum obligasi (lanjutan) Public offering of bonds (continued)
Pada tanggal 21 Juni 2017, Bank memperoleh On 21 June 2017, the Bank obtained the notice
pernyataan efektif dari Dewan Komisioner of effectivity from Financial Services Authority
Otoritas Jasa Keuangan (“OJK”) melalui Surat Board of Commissioner through Letter No. S-
No. S-340/D.04/2017 untuk melakukan 340/D.04/2017 for the public offering of Self
penawaran umum Obligasi Berkelanjutan I Registration Bonds I Bank Victoria Phase I year
Bank Victoria Tahap I Tahun 2017 dan Obligasi 2017 and Subordinated Bonds I Bank Victoria
Subordinasi Berkelanjutan I Bank Victoria Phase I Year 2017 in amount of Rp 300,000,000
Tahap I Tahun 2017 masing-masing sejumlah and Rp 50,000,000, respectively. On 12 July
Rp 300.000.000 dan Rp 50.000.000. Pada 2017, these bonds were listed on the Indonesia
tanggal 12 Juli 2017, Obligasi-obligasi tersebut Stock Exchange.
telah dicatatkan pada Bursa Efek Indonesia.
Pada tanggal 5 Juni 2018 Bank melakukan On 5 June 2018, Bank continues the public
Penawaran Umum Obligasi Berkelanjutan I offering of Self Registration Bonds I Bank
Bank Victoria Tahap II Tahun 2018 dan Obligasi Victoria Phase II Year 2018 and Subordinated
Subordinasi Berkelanjutan I Bank Victoria Bonds I Bank Victoria Phase II Year 2018. The
Tahap II Tahun 2018. Obligasi Berkelanjutan Self Registration Bonds offered comprise of 2
yang ditawarkan terdiri dari 2 (dua) seri (two) series, Series A amounted to Rp
Obligasi, yaitu Seri A sejumlah Rp 100.000.000 100,000,000 and Series B amounted to Rp
dan Seri B sejumlah Rp 200.000.000, 200,000,000, while the Subordinated Bonds
sedangkan Obligasi Subordinasi sebesar offered amounted to Rp 350,000,000 (refer to
Rp 350.000.000 (lihat Catatan 22). Note 22).
Pada tanggal 24 Juni 2019, Bank memperoleh On 24 June 2019, Bank obtained an effective
pernyataan efektif dari Dewan Komisioner notification from the Chairman of FSA through
Otoritas Jasa Keuangan (“OJK”) melalui Surat Letter No. S-85/D.04/2019 for continuous
No. S-85/D.04/2019 untuk melakukan offering of Self Registration Bonds II Phase I
Penawaran Umum Berkelanjutan Obligasi Year 2019 and Bank Victoria Subordinated
Berkelanjutan II Bank Victoria Tahap I Tahun Bonds II Phase I Year 2019, which has been
2019 dan Obligasi Subordinasi Berkelanjutan II listed on the Indonesia Stock Exchange
Bank Victoria Tahap I Tahun 2019 serta telah amounting to Rp 100,000,000 and Rp
dicatatkan pada Bursa Efek Indonesia 1 Juli 250,000,000, respectively.
2019 masing-masing sejumlah Rp 100.000.000
dan Rp 250.000.000.
c. Entitas Anak c. Subsidiary
Bank merupakan pemegang saham pengendali s The Bank is the controlling stockholder and has
dan memiliki pengaruh signifikan atas Entitas E a significant control over the Subsidiary as
Anak sebagai berikut: follows:
Persentase Tahun operasi

Jenis usaha/ kepemilikan/ komersial/ Jumlah aset/
Entitas Anak/ Nature of Percentage of Start of commercial Total assets
Subsidiary business ownership operations 2019 2018
PT Bank Victoria Syariah Sharia banking 99,99% 1966 2,262,326,074 2,126,018,825
Berdasarkan Akta Notaris Veronika Lily Based on Notarial Deed No. 15 dated 7
Dharma, S.H. No. 15 tanggal 7 September September 2007 of Veronika Lily Dharma, S.H.,
2007, Notaris di Jakarta, Bank mengakuisisi a Notary in Jakarta, the Bank acquired 99.80%
99,80% saham PT Bank Swaguna (“Entitas shareholding of PT Bank Swaguna
Anak”). Pada tanggal 13 Desember 2007, Bank (“Subsidiary”). On 13 December 2007, the Bank
melakukan penambahan modal di Entitas Anak had an additional capital in the Subsidiary which
sehingga kepemilikan Bank menjadi 99,98% increased the Bank’s ownership to 99.98%
sesuai dengan Akta Notaris Veronika Lily based on Notarial Deed No. 26 of Veronika Lily
Dharma, S.H. No. 26 tanggal 13 Desember Dharma, S.H. dated 13 December 2007.
2007.



c. Entitas Anak (lanjutan) c. Subsidiary (continued)
Pada tanggal 30 Juni 2016, Bank melakukan On 30 June 2016, the Bank put additional
penambahan modal pada Entitas Anak sebesar capital of Rp 50,000,000,000 (full amount) into
Rp 50.000.000.000 (dalam Rupiah penuh) Subsidiary, which increase the Bank’s
sehingga kepemilikan Bank menjadi 99,99% ownership to 99.99% and obtained the approval
dan telah mendapatkan persetujuan OJK from OJK based on Letter No. S-
berdasarkan Surat No. S-151/PB.33/2016 151/PB.33/2016 dated 15 August 2016.
tanggal 15 Agustus 2016.
Pada tanggal 30 Maret 2017 dan 18 Desember On 30 March 2017 and 18 December 2017,
2017, setelah mendapatkan persetujuan OJK after obtaining approval from OJK based on
berdasarkan Surat No. S-33/PB.33/2017 Letter No. S-33/PB.33/2017 dated 30 March
tanggal 30 Maret 2017 dan No. S- 2017 and No. S-170/PB.33/2017 dated 18
170/PB.33/2017 tanggal 18 Desember 2017, December 2017, the Bank put additional capital
Bank melakukan penambahan modal pada of Rp 60,000,000,000 and Rp 40,000,000,000
Entitas Anak sebesar Rp 60.000.000.000 dan (full amount) into Subsidiary, which increase the
Rp 40.000.000.000 (dalam Rupiah penuh) Bank’s ownership to 99.99%.
sehingga kepemilikan Bank menjadi 99,99%.
Pada tanggal 24 Oktober 2019, Bank On 24 October 2019, the Bank put additional
melakukan penambahan modal pada Entitas capital of Rp 50,000,000,000 (full amount) into
Anak sebesar Rp 50.000.000.000 (dalam Subsidiary, which increase the Bank’s
Rupiah penuh) sehingga kepemilikan Bank ownership to 99.99% and obtained the approval
menjadi 99.99% dan telah mendapatkan from OJK based on Letter No. S-53/PB.33/2019
persetujuan OJK berdasarkan Surat No. S- dated 22 October 2019.
53/PB.33/2019 tanggal 22 Oktober 2019.
Entitas Anak telah mengalami perubahan nama The Subsidiary changed its name to PT Bank
menjadi PT Bank Victoria Syariah sesuai Victoria Syariah based on Deed No. 5 dated 6
dengan Akta No. 5 tanggal 6 Agustus 2009 dan August 2009 and No. 24 dated 27 November
Akta No. 24 tanggal 27 November 2009 dari 2009 of Erni Rohaini, S.H., M.B.A., a Notary in
Notaris Erni Rohaini, S.H., M.B.A., Notaris di Jakarta. The notarial deed was approved by the
Jakarta. Akta tersebut telah disetujui oleh Ministry of Law and Human Rights of the
Menteri Hukum dan Hak Asasi Manusia Republic of Indonesia in its Decision Letter No.
Republik Indonesia dalam Surat Keputusan No. AHU-02731.AH.01.02 Year 2010 dated 19
AHU-02731.AH.01.02. Tahun 2010 tanggal 19 January 2010. The changes of subsidiary’s
Januari 2010. Perubahan kegiatan usaha bank business from conventional banking to sharia
umum konvensional menjadi bank umum banking was approved by Bank Indonesia
syariah telah mendapatkan izin dari Bank based on the Decision of the Governor of Bank
Indonesia berdasarkan Keputusan Gubernur Indonesia No. 12/8/KEP.GBI/DPG/2010 dated
Bank Indonesia No. 12/8/KEP.GBI/DPG/2010 10 February 2010. The Subsidiary started its
tertanggal 10 Februari 2010. Selanjutnya, operations as a Sharia Bank on 1 April 2010.
Entitas Anak beroperasi dengan prinsip Syariah
mulai tanggal 1 April 2010.
d. Dewan Komisaris dan Direksi, Komite dan d. Boards of Commissioners and Directors,
Karyawan Committee and Employees
Susunan Dewan Komisaris dan Direksi Bank The composition of the Bank’s Boards of
pada tanggal 31 Desember 2019 dan 2018 Commissioners and Directors as at
adalah sebagai berikut: 31 December 2019 and 2018 are as follows:
2019 2018
Komisaris Utama Oliver Simorangkir Oliver Simorangkir President Commisioner
Komisaris/Komisaris Commissioner/Independent
Independen Gunawan Tenggarahardja Gunawan Tenggarahardja Commisioner
Komisaris/Komisaris Commissioner/Independent
Independen Zaenal Abidin Zaenal Abidin Commisioner
Direktur Utama Ahmad Fajar Ahmad Fajar1) President Director
Wakil Direktur Utama Rusli Rusli Vice President Director
Direktur - Ramon Marlon Runtu3) Director
Direktur Lembing Lembing1) Director
Direktur Debora Wahjutirto Tanoyo Debora Wahjutirto Tanoyo2) Director
Direktur Kepatuhan dan Risk Management and
Manajemen Risiko Tamunan Tamunan Compliance Director
1) Telah mendapatkan persetujuan OJK, efektif pada tanggal 30 1) Approved by OJK, effective as at 30 October 2018
Oktober 2018
2) Telah mendapatkan persetujuan OJK, efektif pada tanggal 22 2) Approved by OJK, effective as at 22 November 2018
November 2018
3) Pengunduran diri telah mendapatkan persetujuan RUPSLB pada 3) Resignation has been approved by EGMS on 1 March 2019
tanggal 1 Maret 2019


Karyawan (lanjutan) Committee and Employees (continued)
Susunan Dewan Komisaris dan Direksi pada The composition of the Boards of
tanggal 31 Desember 2019 dan 2018 tersebut Commissioners and Directors as at 31
di atas telah diterima dan dicatat di dalam December 2019 and 2018 had been accepted
database Sistem Administrasi Badan Hukum and recorded in the database of Legal Entities
Kementerian Hukum dan Hak Asasi Manusia Administration System of the Ministry of Laws
Republik Indonesia masing-masing and Human Rights of the Republic of Indonesia
berdasarkan Surat No. AHU-AH.01.03-0259894 in its Letter No. AHU-AH.01.03-0259894 dated
tanggal 17 Mei 2019 dan Surat No. AHU- 17 May 2019 and Letter No. AHU-AH.01.03-
AH.01.03-0271810 tanggal 6 Desember 2018. 0271810 dated 6 December 2018, respectively.
Susunan Komite Audit pada tanggal 31 The composition of the Audit Committee as at
Desember 2019 dan 2018 adalah sebagai 31 December 2019 and 2018 are as follows:
berikut:
2019 dan/and 2018
Ketua Gunawan Tenggarahardja Chairman

Anggota Yozef Abdulrachman Member
Retno Dwijanti
Anggota Widaningsih Member
Pembentukan Komite Audit Bank telah sesuai Establishment of the Bank’s Audit Committee is
dengan Peraturan Otoritas Jasa Keuangan in compliance with Financial Service Authority
No. 55/POJK.04/2015 tanggal 23 Desember regulation No. 55/POJK.04/2015 dated
2015 tentang Pembentukan dan Pedoman 23 December 2015 regarding Establishment
Pelaksanaan Kerja Komite Audit dan Peraturan and Guideline for Implementation Duty of Audit
Otoritas Jasa Keuangan No. 55/POJK.03/2016 Committee and Financial Service Authority
tanggal 7 Desember 2016 tentang Penerapan regulation No. 55/POJK.03/2016 dated 7
Tata Kelola Bagi Bank Umum. December 2016 regarding Governance
Implementation in Commercial Bank.
Susunan Komite Pemantau Risiko pada tanggal The composition of the Risk Monitoring
31 Desember 2019 dan 2018 adalah sebagai Committee as at 31 December 2019 and 2018
berikut: are as follows:
2019 dan/and 2018
Ketua Zaenal Abidin Chairman

Anggota Oliver Simorangkir Member
Anggota Yozef Abdulrachman Member
Retno Dwijanti
Anggota Widaningsih Member
Susunan Komite Nominasi dan Remunerasi The composition of the Nomination and
pada tanggal 31 Desember 2019 dan 2018 Remuneration Committee as at 31 December
adalah sebagai berikut: 2019 and 2018 are as follows:
2019 dan/and 2018
Gunawan
Ketua Tenggarahardja Chairman
Anggota Oliver Simorangkir Member
Anggota Syahda Chandra Member


Karyawan (lanjutan) Committee and Employees (continued)
Sekretaris Perusahaan dan Kepala Internal The Corporate Secretary and Internal Audit
Audit pada tanggal 31 Desember 2019 dan Head as at 31 December 2019 and 2018 are as
2018 adalah sebagai berikut: follows:
2019 2018
Sekretaris Perusahaan Lidwina Dian Pratiwi Ruly Dwi Rahayu Corporate Secretary
Kepala Internal Audit Djoko Soenjojo Ridwan Moezwir Internal Audit Head
Pada tanggal 31 Desember 2019 dan 2018, As at 31 December 2019 and 2018, the Bank
Bank memiliki karyawan masing-masing had 1,014 and 1,044 employees, respectively
sejumlah 1.014 dan 1.044 karyawan (tidak (unaudited).
diaudit).
e. Pemegang saham akhir e. Ultimate shareholders
Pemegang saham akhir Bank pada tanggal 31 The ultimate shareholder of the Bank as at 31
Desember 2019 dan 2018 adalah Suzanna December 2019 and 2018 is Suzanna Tanojo.
Tanojo.
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF SIGNIFICANT ACCOUNTING

SIGNIGIKAN POLICIES
Laporan keuangan konsolidasian PT Bank Victoria The consolidated financial statements of PT Bank
International Tbk dan Entitas Anak (“Grup”) telah Victoria International Tbk and its Subsidiary (“the
diotorisasi oleh Direksi pada tanggal 27 April 2020. Group”) were authorised by the Board of Directors
on 27 April 2020.
Kebijakan akuntansi utama yang diterapkan dalam The principal accounting policies adopted in
penyusunan laporan keuangan konsolidasian adalah preparing the consolidated financial statements are
seperti dijabarkan di bawah ini: set out below:
a. Dasar penyusunan laporan keuangan a. Basis of preparation of the consolidated

konsolidasian financial statements
Laporan keuangan konsolidasian disusun The consolidated financial statements were

sesuai dengan Standar Akuntansi Keuangan di prepared in accordance with Indonesian
Indonesia yang dikeluarkan oleh Ikatan Akuntan Financial Accounting Standards issued by the
Indonesia. Indonesian Institute of Accountants.
Laporan keuangan konsolidasian juga disusun The consolidated financial statements have
sesuai dengan Keputusan Ketua Bapepam-LK also been prepared in accordance with the
(sekarang Otoritas Jasa Keuangan atau OJK) Decree of Bapepam-LK (now Financial
No. KEP-347/BL/2012 tanggal 25 Juni 2012 Services Authority or OJK) No. KEP-
yang merupakan perubahan terakhir atas 347/BL/2012 dated 25 June 2012 which is the
Keputusan Ketua Bapepam-LK No. KEP latest change of the Decree of the Bapepam-
554/BL/2010 tanggal 30 Desember 2010 dan LK No. KEP 554/BL/2010 dated 30 December
Keputusan Ketua Bapepam-LK No. KEP- 2010 and the Decree of the Bapepam-LK No.
06/PM/2000 tanggal 13 Maret 2000 yaitu KEP-06/PM/2000 dated 13 March 2000 on
Peraturan No. VIII.G.7 tentang “Pedoman Regulation No. VIII.G.7 regarding “Financial
Penyajian Laporan Keuangan” serta Surat Statements Presentation Guidelines” and
Edaran Ketua Bapepam-LK No. SE-02/BL/2008 Circular Letter of Chairman of the Bapepam-LK
tentang “Pedoman Penyajian dan No. SE-02/BL/2008 regarding “Guidelines for
Pengungkapan Laporan Keuangan Emiten atau Financial Statements Preparation and
Perusahaan Publik Industri Pertambangan Presentation of Public Company in General
Umum, Minyak dan Gas Bumi, dan Perbankan” Mining, Oil and Gas Industry and Banking
tanggal 31 Januari 2008. Industry” dated 31 January 2008.


2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF SIGNIFICANT ACCOUNTING

SIGNIGIKAN (lanjutan) POLICIES (continued)
a. Dasar penyusunan laporan keuangan a. Basis of preparation of the consolidated

konsolidasian (lanjutan) financial statements (continued)
Laporan keuangan konsolidasian disusun The consolidated financial statements have

berdasarkan harga perolehan kecuali untuk been prepared under the historical cost
aset keuangan yang diklasifikasikan dalam convention, except for financial assets
kelompok tersedia untuk dijual, aset dan classified as available-for-sale, financial assets
liabilitas keuangan yang diukur pada nilai wajar and liabilities held at fair value through profit or
melalui laporan laba rugi. Laporan keuangan loss. The consolidated financial statements are
konsolidasian disusun berdasarkan akuntansi prepared under the accrual basis of
berbasis akrual, kecuali untuk laporan arus kas accounting, except for the consolidated
konsolidasian. statement of cash flows.
Laporan keuangan konsolidasian untuk Entitas The consolidated financial statements of a

Anak yang bergerak di bidang Syariah, disusun Subsidiary company engaged in sharia banking
berdasarkan Pernyataan Standar Akuntansi are prepared under the Statement of Financial
Keuangan (PSAK) 101 “Penyajian Laporan Accounting Standard (SFAS) 101 “Presentation
Keuangan Syariah”, PSAK 102 “Akuntansi of Sharia Financial Statement”, SFAS 102
Murabahah”, PSAK 105, “Akuntansi “Murabahah Accounting”, SFAS 105,
Mudharabah”, PSAK 106, “Akuntansi “Mudharabah Accounting”, SFAS 106,
Musyarakah”, PSAK 107, “Akuntansi Ijarah”, “Musyarakah Accounting”, SFAS 107, “Ijarah
PSAK 110 “Akuntansi Sukuk”, Pedoman Accounting”, SFAS 110 “Sukuk Accounting”,
Akuntansi Perbankan Syariah Indonesia Accounting Guidelines for Indonesian Sharia
(“PAPSI”), dan Standar Akuntansi Keuangan di Banking (“PAPSI”), and Indonesian Financial
Indonesia, termasuk pedoman akuntansi dan Accounting Standards, including accounting
pelaporan yang ditetapkan oleh Otoritas Jasa and reporting guidance issued by Financial
Keuangan (“OJK”) (efektif 1 Januari 2013, OJK Service Authority (“OJK”) (effective on 1
telah mengambil alih fungsi dari Bank Indonesia January 2013, OJK has taken over the function
(“BI”) dan Bapepam-LK). of Bank Indonesia (“BI”) and Bapepam-LK).
Seluruh angka dalam laporan keuangan All figures in the consolidated financial
konsolidasian ini, kecuali dinyatakan secara statements are rounded to and stated in
khusus, dibulatkan menjadi dan disajikan dalam thousands of Rupiah, unless otherwise stated.
ribuan Rupiah yang terdekat.
Laporan arus kas konsolidasian disusun The consolidated statement of cash flows were
dengan menggunakan metode langsung prepared based on the direct method with cash
dengan mengelompokkan arus kas dalam flows classified into cash flows from operating,
aktivitas operasi, investasi dan pendanaan. investing and financing activities. For the
Untuk tujuan laporan arus kas konsolidasian, purpose of the consolidated statement of cash
kas dan setara kas mencakup kas, giro pada flows, cash and cash equivalents include cash,
Bank Indonesia, giro pada bank lain, current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank accounts with other banks, placements with
lain, dan Sertifikat Bank Indonesia yang jatuh Bank Indonesia and other banks, and
tempo dalam 3 (tiga) bulan atau kurang sejak Certificates of Bank Indonesia maturing within 3
tanggal perolehan yang tidak dijaminkan atau (three) months or less from the date of
dibatasi penggunaannya. acquisition and are not pledged or restricted.
Penyusunan laporan keuangan konsolidasian The preparation of consolidated financial

sesuai dengan Standar Akuntansi Keuangan di statements in accordance with Indonesian
Indonesia mengharuskan penggunaan estimasi Financial Accounting Standards requires the
dan asumsi. Hal tersebut juga mengharuskan use of estimates and assumptions. It also
manajemen untuk membuat pertimbangan requires management to make judgments in the
dalam proses penerapan kebijakan akuntansi process of implementing the Group’s
Grup. Area yang kompleks atau memerlukan accounting policies. The area that is complex or
tingkat pertimbangan yang lebih tinggi atau area requires a higher level of consideration or areas
di mana asumsi dan estimasi dapat berdampak where assumptions and estimates could have a
signifikan terhadap laporan keuangan significant impact on the consolidated financial
konsolidasian diungkapkan di Catatan 3. statements are disclosed in Note 3.
Kecuali dinyatakan di bawah ini, kebijakan Except as described below, the accounting
akuntansi telah diterapkan secara konsisten policies applied are consistent with those of the
dengan laporan keuangan konsolidasian annual consolidated financial statements for the
tahunan untuk tahun yang berakhir 31 year ended 31 December 2018, which conform
Desember 2018 yang telah sesuai dengan

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2019 LAPORAN TAHUNAN

Towards Stronger, Resilient

PT BANK VICTORIA INTERNATIONAL TBK 1 2019 ANNUAL REPORT

PT BANK VICTORIA INTERNATIONAL TBK 2 LAPORAN TAHUNAN 2019

Bank Victoria senantiasa mengupayakan Bank Victoria continues to pursue prudent

Menetapkan strategi-strategi kunci untuk Establishing key strategies to achieve sustainable

Menjalankan transformasi dengan senantiasa Conducting transformation by continuous

Fokus pada efektifitas proses. Focus on the process effectiveness.

PT BANK VICTORIA INTERNATIONAL TBK 3 2019 ANNUAL REPORT

PT BANK VICTORIA INTERNATIONAL TBK 5 2019 ANNUAL REPORT

Memiliki 86 Jaringan Kantor Operasional yang

Sampai dengan saat ini, Bank Victoria telah melakukan ekspansi

Memiliki Tingkat Kecukupan

Memiliki Potensi Sinergi dan Saling Menguntungkan

PT BANK VICTORIA INTERNATIONAL TBK 6 LAPORAN TAHUNAN 2019

Menerapkan Good Personal Customer Relation

PT BANK VICTORIA INTERNATIONAL TBK 7 2019 ANNUAL REPORT

Sesuai dengan tema RBB 2019-2021, yaitu Enhancing Banking

PT BANK VICTORIA INTERNATIONAL TBK 8 LAPORAN TAHUNAN 2019

PT BANK VICTORIA INTERNATIONAL TBK 9 2019 ANNUAL REPORT

(dalam juta Rupiah / in million Rupiah)

Uraian 2019 2018 2017 2016 2015 Description

Kas 40,656 57,676 72,142 73,136 68,339 Cash

Current accounts with Bank

Current accounts with other

Penempatan pada Bank Placements with Bank Indonesia

Efek-efek 7,911,480 6,797,478 7,930,092 7,282,892 5,834,147 Marketable securities

Dikurangi: Cadangan kerugian Less: Allowance for impairment

Efek-efek yang dibeli dengan Securities purchased under

Pendapatan bunga dan syariah Interest and sharia income

Pajak dibayar dimuka - - - - 15,768 Prepaid taxes

Pinjaman yang diberikan, Loans, sharia financing and

Pihak berelasi 246,157 84,330 87,999 58,014 9,615 Related parties

Pihak ketiga 17,193,963 16,309,266 15,743,265 14,479,925 13,084,433 Third parties

Dikurangi: Cadangan kerugian Less: Allowance for impairment

Tagihan akseptasi 66,543 164,547 117,881 9,731 6,049 Acceptance receivable

Penyertaan saham 86,226 60 60 60 60 Investments in shares

Dikurangi: Cadangan kerugian Less: Allowance for impairment

Dikurangi: Cadangan kerugian Less: Allowance for impairment

Aset tetap 588,789 595,089 568,733 575,230 580,228 Fixed assets

Aset lain-lain 51,800 89,644 49,009 23,365 23,081 Other assets

Less: Allowance for impairment

Total Aset 30,456,459 30,172,315 28,825,609 25,999,981 23,250,686 Total Assets

PT BANK VICTORIA INTERNATIONAL TBK 10 LAPORAN TAHUNAN 2019

Uraian 2019 2018 2017 2016 2015 Description

Simpanan nasabah Deposits from customers

Pihak berelasi 474,612 182,766 167,376 61,019 77,510 Related parties

Pihak ketiga 21,317,025 20,453,615 20,607,596 19,463,251 17,095,555 Third parties

Simpanan dari bank lain Deposits from other banks

Pihak Ketiga 909,310 1,835,799 2,236,882 1,332,527 1,646,350 Third parties

Efek-efek yang dijual dengan Securities sold under

Utang akseptasi 49,006 161,198 77,660 4,682 - Acceptance payable

Utang pajak Taxes payable

Pajak lainnya 29,770 28,584 26,212 27,936 25,992 Other taxes

Liabilitas pajak tangguhan –

Liabilitas imbalan kerja

Total Liabilitas 25,782,314 25,808,570 24,483,975 22,174,925 20,031,590 Total Liabilities

Dana Syirkah Temporer Temporary Syrikah Fund

Simpanan nasabah Deposits from customers

Pihak berelasi 25,263 27,577 2,708 28,775 1,715 Related parties

Pihak ketiga 1,480,927 1,422,443 1,470,980 1,138,775 1,081,540 Third parties

Simpanan bank lain Deposits from other banks

Pihak ketiga 181,500 107,700 21,600 31,250 22,150 Third parties

Modal saham 895,195 867,105 867,105 789,065 713,917 Share capital