PT BANK HARDA INTERNASIONAL TBK

LAPORAN KEUANGAN
TANGGAL 31 DESEMBER 2020
DAN UNTUK TAHUN YANG BERAKHIR PADA
TANGGAL TERSEBUT
BESERTA LAPORAN AUDITOR INDEPENDEN/

FINANCIAL STATEMENTS
AS OF DECEMBER 31, 2020 AND
FOR THE YEAR THEN ENDED
WITH INDEPENDENT AUDITORS’ REPORT

(MATA UANG RUPIAH/RUPIAH CURRENCY)


PT BANK HARDA INTERNASIONAL TBK
LAPORAN KEUANGAN
TANGGAL 31 DESEMBER 2020 DAN
UNTUK TAHUN YANG BERAKHIR
PADA TANGGAL TERSEBUT
BESERTA LAPORAN AUDITOR INDEPENDEN
Halaman/
Daftar Isi
Surat Pernyataan Direksi
Laporan Auditor Independen
Laporan Posisi Keuangan…………………………….
Laporan Laba Rugi dan Penghasilan
Komprehensif Lain...………………………………
Laporan Perubahan Ekuitas………………………….
Laporan Arus Kas……………………………………...
Catatan atas Laporan Keuangan…………………….
The original financial statements included herein are in
the Indonesian language.
PT BANK HARDA INTERNASIONAL TBK
FINANCIAL STATEMENTS
AS OF DECEMBER 31, 2020 AND
FOR THE YEAR THEN ENDED
WITH INDEPENDENT AUDITORS’ REPORT
Page
Table of Contents
Directors’ Statement Letter
Independent Auditor’s Report
1-2 .…………………Statement of Financial Position
Statement of Profit or Loss and Other
3-4 ...…………....………..Comprehensive Income
5 ...……………….Statement of Changes in Equity
6-7 …………………………Statement of Cash Flows
8-145 ..……………..Notes to the Financial Statements
 The original financial statements included herein are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2020 As of December 31, 2020
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

Catatan/
Notes 2020 2019

ASET ASSETS
Kas 2,32,33,34 14.025.339.750 14.736.388.950 Cash
Current accounts with
Giro pada Bank Indonesia 2,5,32,33,34 51.616.264.591 116.119.982.581 Bank Indonesia
Giro pada bank lain 2,6,32,33,34 3.907.994.154 9.549.161.746 Currents accounts with other banks
Penempatan pada Placements with
Bank Indonesia dan Bank Indonesia
bank lain 2,7,32,33,34 37.491.175.922 413.856.382.643 and other banks
Efek-efek 2,8,32,33,34 934.116.390.134 115.565.191.969 Marketable securities
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 2,9,32,33,34 - 46.839.000.000 under resale agreement
Kredit yang diberikan
setelah dikurangi Loans net of
cadangan kerugian allowance for
penurunan nilai sebesar impairment losses
Rp28.597.703.399 pada of Rp28,597,703,399
tanggal 31 Desember 2020 as of December 31, 2020 and
dan Rp105.803.088.935 pada Rp105,803,088,935
tanggal 31 Desember 2019 as of December 31, 2019
Pihak berelasi 2,10,32,33,34 25.773.743.434 27.470.847.155 Related parties
Pihak ketiga 1.221.455.246.877 1.527.590.194.665 Third parties
Pendapatan bunga yang 2,11
masih akan diterima 11,29,32,33,34 17.672.323.052 15.708.338.216 Interest receivables
Biaya dibayar dimuka 2,12,32 2.207.794.155 9.380.837.071 Prepaid expenses
Aset tetap
setelah dikurangi Fixed assets
akumulasi penyusutan net of accumulated
sebesar Rp35.730.490.570 depreciation of
pada tanggal Rp35,730,490,570
31 Desember 2020 dan as of December 31, 2020 and
Rp25.592.736.282 pada Rp25,592,736,282 as
tanggal 31 Desember 2019 2,13,32 30.376.640.192 32.804.430.650 of December 31, 2019
Aset pajak tangguhan - neto 2,18d,32 5.690.466.420 13.860.213.445 Deferred tax assets - net
Aset takberwujud - neto 2,14,32 4.598.452.704 3.466.004.250 Intangible assets - net
Aset lain-lain - neto Other assets - net
setelah dikurangi net of
cadangan kerugian allowance for
penurunan nilai sebesar impairment losses
Rp8.255.465.155 pada of Rp8,255,465,155
tanggal 31 Desember 2020 2,15,18a as of December 31, 2020
dan 2019 32,33,34 237.731.656.606 180.226.195.429 and 2019

TOTAL ASET 2.586.663.487.991 2.527.173.168.770 TOTAL ASSETS

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

1
 The original financial statements included herein are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
Tanggal 31 Desember 2020 As of December 31, 2020
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

Catatan/
Notes 2020 2019

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES
Liabilitas segera 2,32,33,34 2.711.561.700 2.761.689.163 Obligations due immediately
Efek-efek yang dijual dengan Securities sold
janji dibeli kembali 2,8,33,34 715.522.015.215 - under repurchased agreement
Simpanan nasabah 2,16,33,34 Deposits from customers
Pihak berelasi 29,31,32 12.852.701.297 13.389.120.817 Related parties
Pihak ketiga 1.455.460.412.530 1.956.809.224.004 Third parties
Simpanan dari bank lain 2,17,29 Deposits from other banks
Pihak berelasi 30,32,33,34 2.563.439.579 2.105.756.115 Related parties
Pihak ketiga 19.958.321.009 215.065.158.703 Third parties
Utang pajak 2,18a 2.075.670.379 3.359.691.999 Taxes payables
Bunga yang masih harus 2,19,30,31
dibayar 32,33,34,35 4.047.208.065 6.411.635.101 Accrued interests
Post-employment
Liabilitas imbalan pasca-kerja 2,20,32 20.171.956.737 24.219.366.085 benefits liabilities
Liabilitas lain-lain 2,21,32,33,34 4.233.743.300 3.285.649.135 Other liabilities

TOTAL LIABILITAS 2.239.597.029.811 2.227.407.291.122 TOTAL LIABILITIES

EKUITAS EQUITY

Modal saham
Modal dasar - 10.000.000.000 Share capital
saham dengan nilai nominal Authorized - 10,000,000,000
Rp100 per saham pada tanggal shares with par value
31 Desember 2020 dan 2019 Rp100 per share as of
Modal ditempatkan dan disetor December 31, 2020 and 2019
4.184.431.795 saham pada Issued and paid-up
tanggal 31 Desember 2020 4,184,431,795 shares as of
dan 31 Desember 2019 22 418.443.179.500 418.443.179.500 December 31, 2020 and 2019
Tambahan modal disetor 30.292.149.898 30.292.149.898 Additional paid-in capital
Surplus on revaluation
Surplus revaluasi aset tetap 2,13 22.575.371.620 22.559.006.641 of fixed assets
Pengukuran kembali atas program Remeasurement of defined
imbalan pasti 2,18c,20 (645.899.794) 1.584.989.116 benefits plan
Keuntungan yang belum direalisasi
dari efek pada nilai wajar Unrealized gain on change in fair value
melalui penghasilan of securities at fair value through
komprehensif lain 8 12.503.713.126 - other comprehensive income
Saldo laba (defisit) Retained earnings (deficit)
Ditentukan penggunaannya 2.000.000.000 2.000.000.000 Appropriated
Tidak ditentukan penggunaannya (138.102.056.170) (175.113.447.507) Unappropriated

TOTAL EKUITAS 347.066.458.180 299.765.877.648 TOTAL EQUITY

TOTAL LIABILITAS TOTAL LIABILITIES

DAN EKUITAS 2.586.663.487.991 2.527.173.168.770 AND EQUITY

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

2
 The original financial statements included herein are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2020
31 Desember 2020 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2020 2019

PENDAPATAN DAN BEBAN OPERATING INCOME AND

OPERASIONAL EXPENSE
Pendapatan bunga 2,23,29,30,32 162.125.871.157 222.323.923.791 Interest income
Beban bunga 2,24,29,30 (114.535.488.869) (135.940.003.048) Interest expenses

PENDAPATAN BUNGA - NETO 47.590.382.288 86.383.920.743 NET INTEREST INCOME

PENDAPATAN OPERASIONAL
LAINNYA OTHER OPERATING INCOME
Pendapatan administrasi dan
denda 2.595.867.556 5.336.837.657 Administration and penalties income
Provisi dan komisi selain dari Fees and commissions not related to
kredit - neto 2 1.257.364.389 1.442.179.146 loans - net
Lain-lain - neto 2,27 497.620.280 61.178.194.572 Others - net

Total pendapatan operasional

lainnya 4.350.852.225 67.957.211.375 Total other operating income

Pembalikan cadangan (penyisihan) Reversal of allowance (provision) for

kerugian penurunan nilai aset impairment losses on financial
keuangan dan aset non-keuangan 2,25 83.076.760.638 (88.275.757.486) assets and non-financial assets

Beban operasional lainnya Other operating expenses

Umum dan administrasi 2,26a,29,30 (40.169.652.075) (43.511.292.883) General and administrative expenses
Tenaga kerja 2,26b,29,30 (50.495.624.960) (71.421.613.549) Personnel expenses

Total beban operasional lainnya (90.665.277.035) (114.932.906.432) Total other operating expenses

PENDAPATAN (KERUGIAN) INCOME (LOSS) FROM

OPERASIONAL - NETO 44.352.718.116 (48.867.531.800) OPERATIONS - NET

PENDAPATAN (BEBAN) NON-OPERATING INCOME

NON - OPERASIONAL (EXPENSES)
Keuntungan pelepasan aset tetap Gain on disposal of
- neto 2,13 10.930.000 41.760.000 fixed assets - net
Keuntungan atas penjualan Gain on sale of foreclosed
agunan yang diambil alih - neto 2,15 1.564.995.909 2.181.239.352 assets - net
Lainnya - neto (101.915.606) 224.821.559 Others - net

PENDAPATAN NON-OPERATING
NON-OPERASIONAL - NETO 1.474.010.303 2.447.820.911 INCOME - NET

LABA (RUGI) INCOME (LOSS) BEFORE

SEBELUM BEBAN PAJAK 45.826.728.419 (46.419.710.889) TAX EXPENSE

Beban pajak penghasilan - (213.019.993) Income tax expense

Manfaat (beban) pajak 2,18b (8.815.337.082) 10.083.067.693 Tax benefit (expense)

LABA (RUGI) TAHUN BERJALAN 37.011.391.337 (36.549.663.189) INCOME (LOSS) FOR THE YEAR

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

3
 The original financial statements included herein are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2020
31 Desember 2020 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2020 2019

PENGHASILAN OTHER COMPREHENSIVE

KOMPREHENSIF LAIN INCOME
Pos-pos yang tidak akan
direklasifikasi ke Items that will not be reclasified
laba rugi: subsequently to profit or loss:
Surplus on revaluation
Surplus revaluasi aset tetap 2,13 16.364.979 79.147.576 of fixed assets
Pengukuran kembali atas Remeasurement of
program imbalan pasti defined benefit’s plan
setelah dikurangi pajak 2, 20 (2.230.888.910) 224.613.005 net of tax

Pos-pos yang akan

direklasifikasi ke
laba rugi:
Keuntungan yang belum
direalisasi dari perubahan
nilai atas instrumen utang yang
diukur pada nilai wajar melalui
penghasilan komprehensif lain/
keuntungan yang belum
direalisasi atas perubahan nilai
wajar efek-efek yang tersedia
untuk dijual - neto
Items that will be reclasified
subsequently to profit or loss:
Unrealized gain on changes in fair
value of debt instruments through
other comprehensive income/
unrealized gain on changes
in fair value of available-for-sale
8 12.503.713.126 - securities - net

TOTAL PENGHASILAN TOTAL OTHER

KOMPREHENSIF COMPREHENSIVE
LAIN TAHUN BERJALAN INCOME FOR
SETELAH PAJAK 10.289.189.195 303.760.581 THE YEAR NET OF TAX

TOTAL PENGHASILAN
(KERUGIAN) KOMPREHENSIF TOTAL COMPREHENSIVE
TAHUN BERJALAN 47.300.580.532 (36.245.902.608) INCOME (LOSS) FOR THE YEAR

BASIC EARNINGS (LOSS)

LABA (RUGI) PERSAHAM DASAR 2x,28 8,85 (8,73) PER SHARE

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

4
 The original financial statements included herein are in Indonesian language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk tahun yang berakhir pada tanggal 31 Desember 2020 For the year ended December 31, 2020
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

Penghasilan komprehensif lain/

Other comprehensive income

Keuntungan
yang belum
direalisasi atas
perubahan nilai
wajar efek-efek
yang diukur pada
nilai wajar melalui
penghasilan
komprehensif lain/ Pengukuran
Modal Unrealized gain Surplus kembali atas Saldo laba (defisit)/
ditempatkan Tambahan on change in revaluasi program Retained earnings (deficit)
dan disetor modal fair value aset tetap/ imbalan pasti/
penuh/ disetor/ through other Surplus Remeasurement Ditentukan Tidak ditentukan
Catatan/ Issued and Additional comprehensive on revaluation of defined penggunaannya/ penggunaannya/ Total ekuitas/
Notes paid-up capital paid-in capital income of fixed assets benefits plan Appropriated Unappropriated Total equity

Saldo per Balance as of

31 Desember 2018 418.443.179.500 30.292.149.898 - 22.479.859.065 1.360.376.111 2.000.000.000 (138.093.427.673) 336.482.136.901 December 31, 2018

Rugi tahun berjalan - - - - - - (36.549.663.189) (36.549.663.189) Loss for the year

Pemindahan penyusutan Transfer of depreciation

aset tetap yang on the revaluation
dinilai kembali - - - - - - (470.356.645) (470.356.645) of fixed asset

Penghasilan
komprehensif Other comprehensive
lain setelah pajak 2,18d,20 - - - 79.147.576 224.613.005 - - 303.760.581 income net of tax

Saldo per Balance as of

31 Desember 2019 418.443.179.500 30.292.149.898 - 22.559.006.641 1.584.989.116 2.000.000.000 (175.113.447.507) 299.765.877.648 December 31, 2019

Laba tahun berjalan - - - - - - 37.011.391.337 37.011.391.337 Income for the year

Penghasilan
komprehensif Other comprehensive
lain setelah pajak 2,18d,20 - - 12.503.713.126 16.364.979 (2.230.888.910) - - 10.289.189.195 income net of tax

Saldo per Balance as of

31 Desember 2020 418.443.179.500 30.292.149.898 12.503.713.126 22.575.371.620 (645.899.794) 2.000.000.000 (138.102.056.170) 347.066.458.180 December 31, 2020

Catatan atas laporan keuangan merupakan bagian yangtidak terpisahkan dari The accompanying notes are an integral part of these financial statements.
laporan keuangan.

5
 The original financial statements included herein are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2020
31 Desember 2020 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2020 2019

ARUS KAS DARI CASH FLOWS FROM

AKTIVITAS OPERASI OPERATING ACTIVITIES
Pendapatan bunga yang diterima 160.200.886.321 222.291.423.791 Interest income received
Pendapatan operasional lainnya 4.169.301.155 7.156.105.906 Other operating income
Pendapatan (beban) Non-operating income
non-operasi - neto 1.463.080.302 (15.273.786.838) (expenses) - net
Penerimaan kembali atas kredit Receipt from written-off
yang dihapusbukukan dan loans and foreclosed
agunan yang diambil alih 181.551.069 78.643.302.896 collateral
Beban bunga yang dibayar (116.899.915.905) (136.107.342.505) Interest expenses paid
Beban tenaga kerja (54.543.034.308) (60.461.299.440) Personnel expenses
Beban administrasi dan General and administrative
administrasi (36.802.106.994) (129.189.187.359) expenses

Arus kas dari aktivitas operasi Cash flows from operating

sebelum perubahan aset dan activities before changes
liabilitas operasi (42.230.238.360) (32.940.783.549) in operating assets and liabilities
Penurunan (kenaikan) Decrease (increase) in
aset operasi: operating assets:
Kredit yang diberikan 390.912.002.581 (22.789.346.792) Loans
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 46.800.000.000 (46.800.000.000) agreements to resell
Biaya dibayar dimuka 7.173.042.916 1.940.214.855 Prepaid expenses
Uang muka 1.367.800.000 (1.367.800.000) Advances
Efek-efek (818.553.906.425) (24.227.764.654) Marketable securities
Aset lain-lain (52.840.922.524) 1.746.263.754 Other assets
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain (500.000.000) 11.200.000.000 and other banks
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi: operating liabilities:
Simpanan Deposits
Deposito berjangka (555.656.118.111) 233.343.672.528 Time deposits
Giro (135.364.703.345) 67.535.622.140 Current accounts
Tabungan (5.513.563.770) (5.033.647.332) Saving deposits
Utang pajak (1.284.021.620) 1.019.025.399 Taxes payables
Liabilitas lain-lain 720.982.173.062 2.136.074.302 Other liabilities

Arus kas bersih diperoleh dari Net cash flows provided by

(digunakan untuk) aktivitas operasi (444.708.455.596) 185.761.530.651 (used in) operating activities

ARUS KAS DARI CASH FLOWS FROM

AKTIVITAS INVESTASI INVESTING ACTIVITIES
Hasil penjualan aset tetap 13 10.930.000 41.760.000 Proceeds from sale of fixed assets
Pembelian aset takberwujud 14 (2.678.500.000) - Purchases of intangible assets
Pembelian aset tetap 13 (281.476.666) (493.432.985) Purchases of fixed assets

Arus kas bersih digunakan untuk Net cash flows used in

aktivitas investasi (2.949.046.666) (451.672.985) investing activities

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

6
 The original financial statements included herein are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

LAPORAN ARUS KAS (lanjutan) STATEMENT OF CASH FLOWS (continued)
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2020
31 Desember 2020 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2020 2019

KENAIKAN (PENURUNAN) INCREASE (DECREASE) IN CASH

BERSIH KAS DAN SETARA KAS (447.657.502.262) 185.309.857.666 AND CASH EQUIVALENTS

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AWAL TAHUN 554.198.758.853 368.888.901.187 AT BEGINNING OF THE YEAR

KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

AKHIR TAHUN 106.541.256.591 554.198.758.853 AT END OF THE YEAR

Kas dan setara kas terdiri dari:
Kas
Giro pada Bank Indonesia
Giro pada bank lain
Penempatan pada Bank Indonesia
dan bank lain
Cash and cash equivalents consist of:
4 14.025.339.750 14.736.388.950 Cash
5 51.616.264.591 116.119.982.581 Current accounts with Bank Indonesia
6 3.908.398.606 9.549.161.746 Current accounts with other banks
Placements with Bank Indonesia
7 36.991.253.644 413.793.225.576 and other banks

Total kas dan setara kas 106.541.256.591 554.198.758.853 Total cash and cash equivalents

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

7

PT BANK HARDA INTERNASIONAL TBK
CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2020
Dan untuk tahun yang berakhir
pada tanggal tersebut
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
1. UMUM
a. Pendirian dan informasi umum
PT Bank Harda Internasional Tbk (“Bank”)
didirikan berdasarkan Akta Notaris No. 242
tanggal 21 Oktober 1992 dari
Ny. Poerbaningsih Adi Warsito, S.H., notaris,
di Jakarta. Akta pendirian tersebut telah
mendapat pengesahan dari Kementerian
Kehakiman Republik Indonesia dengan Surat
Keputusannya No. C2-895.HT.01.01.TH.93
tanggal 10 Februari 1993 serta diumumkan
dalam Lembaran Berita Negara No. 25 tanggal
27 Maret 1993, Tambahan No. 1316.
Anggaran Dasar Bank telah mengalami
beberapa kali perubahan. Perubahan terakhir
berdasarkan Akta Pernyataan Keputusan
Rapat No. 11 tanggal 13 Agustus 2018 yang
dibuat dihadapan notaris Edward Suharjo
Wiryomartani, S.H., M.Kn., notaris di Jakarta,
sehubungan dengan penambahan modal
disetor melalui mekanisme Hak Memesan Efek
Terlebih Dahulu (HMETD) sebanyak
169.431.795 saham dengan harga
pelaksanaan sebesar Rp 200 per saham atau
sebesar Rp 33.886.359.000 dan perubahan
komposisi pemegang saham. Perubahan
tersebut telah diterima dan dicatat oleh
Kementerian Hukum dan Hak Asasi Manusia
Republik Indonesia masing-masing melalui
Surat Keputusan No. AHU-AH.01.03-0232858
tanggal 15 Agustus 2018 dan No. AHU-
AH.01.03-0232860 tanggal 15 Agustus 2018.
Sesuai dengan Pasal 3 Anggaran Dasar Bank,
tujuan Bank adalah melakukan usaha
perbankan dengan melaksanakan kegiatan
usaha antara lain menghimpun dana dari
masyarakat, memberikan kredit, menerbitkan
surat pengakuan utang, melakukan kegiatan
penitipan untuk kepentingan pihak lain
berdasarkan suatu kontrak, dan membeli
melalui pelelangan agunan sesuai maupun
sebagian dalam hal debitur tidak memenuhi
liabilitasnya kepada Bank.
Bank memperoleh izin usaha sebagai Bank
Umum dari Kementerian Keuangan
Republik Indonesia dengan keputusan
No. 455/KMK.017/1994 tanggal 8 September
1994. Selain usaha perbankan umum, Bank
juga melakukan usaha sebagai pedagang
valuta asing sesuai dengan Surat Izin
No. 29/55/UOPM tanggal 20 Desember 1996
dari Urusan Operasi Pengendalian Moneter
Bank Indonesia, yang telah diperbaharui
dengan Surat Keputusan Direktur Perizinan
dan Informasi Perbankan No. 5/3/KEP.Dir.PIP/
2004 tanggal 24 Desember 2003.
8
The original financial statements included herein are in the Indonesian
language.
PT BANK HARDA INTERNASIONAL TBK
NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2020
And for the year then ended
(Expressed in Rupiah, unless otherwise stated)
1. GENERAL
a. Establishment and general information
PT Bank Harda Internasional Tbk (the “Bank”)
was established by Notarial Deed No. 242
dated October 21, 1992 from
Mrs. Poerbaningsih Adi Warsito, S.H., notary,
in Jakarta. The Deed of establishment was
approved by the Ministry of Justice of the
Republic of Indonesia in its Decree
No. C2-895.HT.01.01.TH.93 dated
February 10, 1993 and published in State
Gazette No. 25 dated March 27, 1993,
Supplement No. 1316.
The Bank’s Articles of Assiosiation have been
amended several times. The latest
amendment is based on the Deed of the
Meeting Decision Statement No. 11 dated
August 13, 2018 of Edward Suharjo
Wiryomartani, S.H., M.Kn., notary in Jakarta,
regarding with capital increase through pre-
emptive rights amounting to 169,431,795
shares with exercise price of Rp 200 or
equivalent to Rp 33,886,359,000 and the
changes in shareholders composition. The
amendment has been received and recorded
by the Ministry of Law and Human Rights of
the Republic Indonesia in its Decision Letter
No. AHU-AH.01.03-0232858 dated August 15,
2018 and No. AHU-AH.01.03.0232860 dated
August 15, 2018, respectively.
In accordance with Article 3 of the Bank’s
Articles of Association, the purpose of the
Bank is to conduct banking business by
conducting business activities such as
collecting funds from public, providing loans,
issuing letters of credit, conducting custody
activities for the benefit of other parties based
on a contract, and buying through the auction
of collateral as well as part in the event that
the debtor does not fulfill its obligations to the
Bank.
The Bank obtained a license as a Commercial
Bank from the Ministry of Finance of the
Republic of Indonesia with the
decision No. 455/KMK.017/1994 dated
September 8, 1994. In addition to commercial
banking business, the Bank also conducts
business as a foreign exchange trader in
accordance with Permit Letter
No. 29/55/UOPM dated December 20, 1996
from the Monetary Control Operation Affairs of
Bank Indonesia, which was amended by the
Decree of the Director of Licensing and
Banking Information No.5/3/KEP.Dir.PIP/2004
dated December 24, 2003.

PT BANK HARDA INTERNASIONAL TBK
CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2020 dan
Untuk Tahun yang Berakhir
Pada Tanggal Tersebut
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
1. UMUM (lanjutan)
a. Pendirian dan informasi umum (lanjutan)
Pada tanggal 31 Desember 2020, induk
perusahaan Bank adalah PT Hakimputra
Perkasa yang juga merupakan pemegang
saham mayoritas dari Bank.
Kantor Pusat Bank berlokasi di Jalan K.H.
Samanhudi No. 10 Jakarta Pusat 10710 dan
telah mendapat persetujuan dari Bank
Indonesia dengan Surat No. 9/1163/
DPNP/Prz tanggal 21 November 2008. Bank
saat ini mempunyai 8 Kantor Cabang, 7 Kantor
Cabang Pembantu, dan 2 Kantor Kas (tidak
diaudit).
b. Penawaran umum saham Bank
Pada tanggal 31 Juli 2015, Bank memperoleh
Surat Pernyataan Efektif dari Dewan
Komisioner Otoritas Jasa Keuangan (OJK)
dengan suratnya No. S-346/D.04/2015 untuk
melakukan penawaran umum saham perdana
sejumlah 800.000.000 lembar saham biasa
atas nama dan dengan nilai nominal Rp100
(angka penuh) setiap lembar saham yang
ditawarkan kepada masyarakat dengan harga
penawaran Rp125 (angka penuh) setiap
saham. Termasuk didalam jumlah saham
umum perdana kepada masyarakat adalah
saham yang telah dialokasikan sehubungan
dengan Program Alokasi Saham Karyawan
sejumlah 1.270.000 lembar saham
berdasarkan Surat Keputusan Direksi
No. 024/SK-DIR/V/2015.
Pada tanggal 12 Agustus 2015, seluruh saham
tersebut telah dicatat di Bursa Efek Indonesia.
c. Dewan Komisaris, Direksi, Komite Audit,
Komite Pemantau Risiko, Komite
Remunerasi dan Nominasi, Divisi Audit
Internal dan Karyawan
Pada tanggal 31 Desember 2020 dan 2019,
anggota Dewan Komisaris, Direksi, Komite
Audit, Komite Pemantau Risiko, Komite
Remunerasi dan Nominasi adalah sebagai
berikut:
Dewan Komisaris:
Komisaris
Komisaris Independen Robertus Soedaryatmo Yosowidagdo
Komisaris Independen Hertanto Tjahyasurya
The original financial statements included here in are in the Indonesian
language.
PT BANK HARDA INTERNASIONAL TBK
NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2020 and
For the Year Then Ended
(Expressed in Rupiah, unless otherwise stated)
1. GENERAL (continued)
a. Establishment and general information
(continued)
As of December 31, 2020, the Bank’s parent
company is PT Hakimputra Perkasa which is
the majority stockholder of the Bank.
Bank's Head Office is located at Jalan K.H.
Samanhudi No. 10 Jakarta Pusat 10710 and
has received approval from Bank Indonesia by
Letter No. 9/1163/DPNP/Prz dated
November 21, 2008. The Bank currently has
8 Branch Offices, 7 Sub-branch Offices, and
2 Cash Offices (unaudited).
b. Public offering of the Bank’s shares
On July 31, 2015, the Bank obtained the
Effective Statement Letter from Board of
Commissioners of Financial Services Authority
(OJK) through its Letter No. S-346/D.04/2015
for the Bank's initial public offering of
800,000,000 common shares to the public with
a par value of Rp100 (full amount) per share at
an offering price of Rp125 (full amount) per
share. Included in the number of initial public
shares offered to the public are shares that
have been allocated in connection with
Employee Stock Allocation Program (ESA) of
1,270,000 shares based on the Director
Decision Letter No. 024/SK-DIR/V/2015.
These shares were listed on the Indonesian
Stock Exchange on August 12, 2015.
c. Board of Commissioners, Directors, Audit
Committee, Risk Monitoring Committee,
Remuneration and Nomination Committee,
Internal Audit Division and Employees
As of December 31, 2020 and 2019, the Board
of Commissioners, Directors, Audit Committee,
Risk Monitoring Committee, Remuneration and
Nomination Committee are as follows:
2020
Board of Commissioners:
Novita Hakim Commissioner
Independent Commissioner
Independent Commissioner
9
 The original financial statements included here in are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2020 dan As of December 31, 2020 and
Untuk Tahun yang Berakhir For the Year Then Ended
Pada Tanggal Tersebut (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

1. UMUM (lanjutan) 1. GENERAL (continued)

c. Dewan Komisaris, Direksi, Komite Audit, c. Board of Commissioners, Directors, Audit

Komite Pemantau Risiko, Komite Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi, Divisi Audit Remuneration and Nomination Committee,
Internal dan karyawan kunci (lanjutan) Internal Audit Division and key employees
(continued)

2019

Dewan Komisaris: Board of Commissioners:

Komisaris Utama/ President/Independent
Independen Bernardus Dwibyantoro Commissioner
Komisaris Independen Robertus Soedaryatmo Yosowidagdo Independent Commissioner
Komisaris Novita Hakim Commissioner

Pada tanggal 31 Desember
anggota Dewan Komisaris,
Audit, Komite Pemantau
Remunerasi dan Nominasi
berikut:
2020 dan 2019, As of December 31, 2020 and 2019, the Board
Direksi, Komite of Commissioners, Directors, Audit Committee,
Risiko, Komite Risk Monitoring Committee, Remuneration and
adalah sebagai Nomination Committee are as follows:

2020

Direksi: Directors:
Direktur Yohanes Sutanto*) Director
Direktur Harry Abbas Director
Direktur Yohanes Director

Komite Audit: Audit Committee:

Ketua Hertanto Tjahyasurya Chairman
Anggota Slamet Agus Pramono Member
Anggota Wan Maraden Sinaga Member

Komite Pemantau Risiko: Risk Monitoring Committee:

Ketua Hertanto Tjahyasurya Chairman
Anggota Slamet Agus Pramono Member
Anggota Wan Maraden Sinaga Member

Komite Remunerasi Remuneration and Nomination

dan Nominasi: Committee:
Ketua Robertus Soedaryatmo Yosowidagdo Chairman
Anggota Mariawati Tjitradinata Member
Anggota Novita Hakim Member

2019

Direksi: Directors:
Direktur Utama Barlian Halim President Director
Direktur Harry Abbas Director
Direktur David Fisher Kusnadi Director
Direktur Yohanes Director

Komite Audit: Audit Committee:

Ketua Bernardus Dwibyantoro Chairman
Anggota Ignatius Sri Mulyanto Member
Anggota Slamet Agus Pramono Member

*) Sejak tanggal 29 Januari 2021, tidak menjabat sebagai *) Since January 29, 2021, does not part of Director.
Direktur.

10
 The original financial statements included here in are in the Indonesian
language.

PT BANK HARDA INTERNASIONAL TBK PT BANK HARDA INTERNASIONAL TBK

CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2020 dan As of December 31, 2020 and
Untuk Tahun yang Berakhir For the Year Then Ended
Pada Tanggal Tersebut (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

1. UMUM (lanjutan) 1. GENERAL (continued)

c. Dewan Komisaris, Direksi, Komite Audit, c. Board of Commissioners, Directors, Audit

Komite Pemantau Risiko, Komite Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi, Divisi Audit Remuneration and Nomination Committee,
Internal dan karyawan kunci (lanjutan) Internal Audit Division and key employees
(continued)

Pada tanggal 31 Desember 2020 dan 2019, As of December 31, 2020 and 2019, the Board
anggota Dewan Komisaris, Direksi, Komite of Commissioners, Directors, Audit Committee,
Audit, Komite Pemantau Risiko, Komite Risk Monitoring Committee, Remuneration and
Remunerasi dan Nominasi adalah sebagai Nomination Committee are as follows:
berikut: (lanjutan) (continued)

2019

Komite Pemantau Risiko: Risk Monitoring Committee:

Ketua Bernardus Dwibyantoro Chairman
Anggota Ignatius Sri Mulyanto Member
Anggota Slamet Agus Pramono Member

Komite Remunerasi Remuneration and Nomination

dan Nominasi: Committee:
Ketua Robertus Soedaryatmo Yosowidagdo Chairman
Anggota Mariawati Tjitradinata Member
Anggota Novita Hakim Member

Kepala Divisi Audit Internal Bank pada tanggal The Bank’s Internal Audit Division Head as of
31 Desember 2020 dan 2019 adalah Jo Agus December 31, 2020 and 2019 is Jo Agus
Mudafir dan Wan Maraden Sinaga. Mudafir and Wan Maraden Sinaga.

Sekretaris Perusahaan Bank pada The Bank’s Corporate Secretary as of

31 Desember 2020 adalah Yohanes dan 2019 December 31, 2020 is Yohanes and 2019 is
adalah Barlian Halim. Barlian Halim.

Personil manajemen kunci mencakup anggota Key management personnel includes of

Dewan Komisaris dan Direksi, serta pejabat
eksekutif yaitu pejabat yang bertanggung
jawab langsung kepada Direksi atau
mempunyai pengaruh yang signifikan terhadap
kebijakan dan/atau aktivitas operasional Bank.
members of the Board of Commisioners and
Board of Directors, and executive officers who
have direct responsibility to the Board of
Directors or have significant influences over
policies and/or operational activities of the
Bank.

Jumlah gaji dan tunjangan yang Total salaries and allowances paid to the
dibayarkan kepada Dewan Komisaris dan Board of Commissioners and Directors
Direksi masing-masing sebesar amounted to Rp2,171,509,589 and
Rp2.171.509.589 dan Rp3.897.866.438 Rp3,897,866,438 on December 31, 2020 and
pada tanggal 31 Desember 2020 serta to Rp2,781,500,000 and Rp6,705,250,000 on
Rp2.781.500.000 dan Rp6.705.250.000 December 31, 2019, respectively.
pada tanggal 31 Desember 2019.

Pada tanggal 31 Desember 2020 dan 2019 As of December 31, 2020 and 2019, the Bank
Bank memiliki masing-masing 199 dan 234 has 199 and 234 employees (unaudited),
karyawan (tidak diaudit). respectively.

11

PT BANK HARDA INTERNASIONAL TBK
CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2020 dan
Untuk Tahun yang Berakhir
Pada Tanggal Tersebut
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
1. UMUM (lanjutan)
d. Penyelesaian Laporan Keuangan
Manajemen Bank bertanggung jawab atas
penyusunan laporan keuangan ini, yang
diselesaikan dan disetujui untuk diterbitkan
oleh Direksi pada tanggal 15 Maret 2021.
The principal accounting
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG
SIGNIFIKAN
Kebijakan akuntansi utama yang diterapkan dalam
penyusunan laporan keuangan Bank adalah seperti
dijabarkan di bawah ini:
Pernyataan Kepatuhan
Laporan keuangan telah disusun sesuai dengan
Standar Akuntansi Keuangan di Indonesia (“SAK”),
yang mencakup Pernyataan dan interpretasi yang
diterbitkan oleh Dewan Standar Akuntansi
Keuangan Ikatan Akuntan Indonesia (“DSAK”) dan
Peraturan Nomor VIII.G.7 tentang Pedoman
Penyajian dan Pengungkapan Laporan Keuangan
yang diterbitkan oleh Otoritas Jasa Keuangan
(“OJK”).
a. Dasar penyusunan laporan keuangan
Laporan keuangan disusun berdasarkan harga
perolehan, kecuali untuk aset keuangan yang
diukur pada nilai wajar melalui penghasilan
komprehensif lain dan aset dan liabilitas
keuangan yang diukur pada nilai wajar melalui
laba rugi dan seluruh instrumen derivatif yang
diukur berdasarkan nilai wajar dan aset tanah
dan gedung yang diukur pada nilai wajar.
Laporan keuangan disusun menggunakan
basis akrual, kecuali untuk laporan arus kas.
Laporan arus kas disusun dengan
menggunakan metode langsung dengan
mengelompokkan arus kas dalam aktivitas
operasi, investasi dan pendanaan. Untuk
tujuan laporan arus kas, kas dan setara kas
mencakup giro pada bank lain, giro pada Bank
Indonesia, penempatan pada Bank Indonesia
dan pada bank lain.
Pos-pos dalam Penghasilan Komprehensif
Lainnya disajikan terpisah antara akun - akun
yang akan direklasifikasikan ke laba rugi dan
akun - akun yang tidak akan direklasifikasikan
ke laba rugi.
12
The original financial statements included here in are in the Indonesian
language.
PT BANK HARDA INTERNASIONAL TBK
NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2020 and
For the Year Then Ended
(Expressed in Rupiah, unless otherwise stated)
1. GENERAL (continued)
d. Completion of Financial Statement
The management of the Bank is responsible
for the preparation of these financial
statements, which were completed and
authorized
by theadopted
policies Board of
in Directors
preparing for
theissue
financial statem
on March 15, 2021.
2. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES
The principal accounting policies adopted in
preparing the financial statements of the Bank are
set out below:
Statement of Compliance
The financial statements have been prepared in
accordance with Indonesian Financial Accounting
Standards (“SAK”) which comprise the Statements
and interpretations issued by the Financial
Accounting Standards Board of Indonesian Institute
of Accountants (“DSAK”) and the Regulation
number VIII.G.7 on the Guidelines on Financial
Statement Presentation and Disclosures issued by
the Financial Services Authority (“OJK”).
a. Basis for preparation of the financial
statements
The financial statements have been prepared
under the historical cost convention, as
modified by financial assets at fair value
through other comprehensive income and
financial assets at fair value through profit or
loss and land and buildings measured at fair
value. The financial statements have been
prepared using the accrual basis except for the
statement of cash flow.
The statement of cash flows is prepared based
on the direct method by classifying cash flows
on the basis of operating, investing, and
financing activities. For purposes of the
statement of cash flows, cash and cash
equivalent consist of cash current accounts
with other banks, current accounts with Bank
Indonesia, placement with Bank Indonesia and
other banks.
The items under Other Comprehensive Income
(OCI) are presented separately between items
to be reclassified to profit or loss and those
items not to be reclassified to profit or loss.
 PT ALLO BANK INDONESIA TBK
(SEBELUMNYA/FORMERLY
PT BANK HARDA INTERNASIONAL TBK)

LAPORAN KEUANGAN
TANGGAL 31 DESEMBER 2021,
DAN UNTUK TAHUN YANG BERAKHIR PADA
TANGGAL TERSEBUT
BESERTA LAPORAN AUDITOR INDEPENDEN/

FINANCIAL STATEMENTS
AS OF DECEMBER 31, 2021,
AND FOR THE YEAR THEN ENDED
WITH INDEPENDENT AUDITORS’ REPORT

(MATA UANG RUPIAH/RUPIAH CURRENCY)


PT ALLO BANK INDONESIA TBK
(SEBELUMNYA
PT BANK HARDA INTERNASIONAL TBK)
LAPORAN KEUANGAN
TANGGAL 31 DESEMBER 2021,
DAN UNTUK TAHUN YANG BERAKHIR PADA
TANGGAL TERSEBUT
BESERTA LAPORAN AUDITOR INDEPENDEN
Halaman/
Daftar Isi
Surat Pernyataan Direksi
Laporan Auditor Independen
Laporan Posisi Keuangan…………………………….
Laporan Laba Rugi dan Penghasilan
Komprehensif Lain...………………………………
Laporan Perubahan Ekuitas………………………….
Laporan Arus Kas……………………………………...
Catatan atas Laporan Keuangan…………………….
The original financial statements included herein are in
the Indonesian language.
PT ALLO BANK INDONESIA TBK
(FORMERLY
PT BANK HARDA INTERNASIONAL TBK)
FINANCIAL STATEMENTS
AS OF DECEMBER 31, 2021,
AND FOR THE YEAR THEN ENDED
WITH INDEPENDENT AUDITORS’ REPORT
Page
Table of Contents
Directors’ Statement Letter
Independent Auditors’ Report
1-2 .…………………Statement of Financial Position
Statement of Profit or Loss and Other
3-4 ...…………....………..Comprehensive Income
5 ...……………….Statement of Changes in Equity
6-7 …………………………Statement of Cash Flows
8-140 ..……………..Notes to the Financial Statements
 The original financial statements included herein are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA (FORMERLY
PT BANK HARDA INTERNASIONAL TBK) PT BANK HARDA INTERNASIONAL TBK)
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Tanggal 31 Desember 2021 As of December 31, 2021
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

Catatan/
Notes 2021 2020

ASET ASSETS
Kas 2,4,33,34,35 12.450.754.000 14.025.339.750 Cash
Current accounts with
Giro pada Bank Indonesia 2,5,30,33,34,35 64.735.668.284 51.616.264.591 Bank Indonesia
Current accounts
Giro pada bank lain 2,6,33,34,35 69.472.062.149 3.907.994.154 with other banks
Penempatan pada Placements with
Bank Indonesia dan Bank Indonesia
bank lain 2,7,33,34,35 99.984.725.723 37.491.175.922 and other banks
Efek-efek 2,8,33,34,35 1.814.861.500.000 934.116.390.134 Marketable securities
Kredit yang diberikan
setelah dikurangi Loans net of
cadangan kerugian allowance for
penurunan nilai sebesar impairment losses
Rp26.930.564.884 pada of Rp26,930,564,884
tanggal 31 Desember 2021 as of December 31, 2021
dan Rp28.597.703.399 pada and Rp28,597,703,399
tanggal 31 Desember 2020 as of December 31, 2020
Pihak berelasi 2,9,33,34,35 927.985.688 25.773.743.434 Related parties
Pihak ketiga 2.170.384.050.127 1.221.455.246.877 Third parties
Pendapatan bunga yang 2,10
masih akan diterima 30,33,34,35 56.567.728.365 17.672.323.052 Interest receivables
Biaya dibayar dimuka 2,11,33 2.504.123.043 2.207.794.155 Prepaid expenses
Aset tetap
setelah dikurangi Fixed assets
akumulasi penyusutan net of accumulated
sebesar Rp38.904.415.847 depreciation of
pada tanggal Rp38,904,415,847
31 Desember 2021 dan as of December 31, 2021 and
Rp35.730.490.573 pada Rp35,730,490,573 as
tanggal 31 Desember 2020 2,12,33 30.123.236.623 30.376.640.192 of December 31, 2020
Aset pajak tangguhan - neto 2,18c,33 1.635.358.624 5.690.466.420 Deferred tax assets - net
Aset takberwujud - neto 2,13,33 3.544.280.759 4.598.452.704 Intangible assets - net
Aset lain-lain Other assets
setelah dikurangi net of
cadangan kerugian allowance for
penurunan nilai sebesar impairment losses
Rp6.922.942.446 pada of Rp6,922,942,446
tanggal 31 Desember 2021 as of December 31, 2021
dan Rp8.255.465.155 pada 2,14 and Rp8,255,465,155 as of
31 Desember 2020 33,34,35 322.165.675.347 237.731.656.606 December 31,2020

TOTAL ASET 4.649.357.148.732 2.586.663.487.991 TOTAL ASSETS

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

1
 The original financial statements included herein are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA
PT BANK HARDA INTERNASIONAL TBK)
LAPORAN POSISI KEUANGAN (lanjutan)
Tanggal 31 Desember 2021
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
(FORMERLY
PT BANK HARDA INTERNASIONAL TBK)
STATEMENTS OF FINANCIAL POSITION (continued)
As of December 31, 2021
(Expressed in Rupiah, unless otherwise stated)

Catatan/
Notes 2021 2020

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES
Liabilitas segera 2,33,34,35 51.501.145.529 2.711.561.700 Obligations due immediately
Efek-efek yang dijual dengan 2,15 Securities sold under
janji dibeli kembali 30,33,34,35 960.444.753.998 715.522.015.215 repurchased agreement
Simpanan nasabah 2,16,34,35 Deposits from customers
Pihak berelasi 30,31,33 1.068.214.247.110 12.852.701.297 Related parties
Pihak ketiga 1.055.809.968.629 1.455.460.412.530 Third parties
Simpanan dari bank lain 2,17,30 Deposits from other banks
Pihak berelasi 33,34,35 14.435.597 2.563.439.579 Related parties
Pihak ketiga 161.188.847.231 19.958.321.009 Third parties
Utang pajak 2,18a,33 25.397.749.278 2.075.670.379 Taxes payables
Bunga yang masih harus 2,19,31,32
dibayar 33,34,35 7.132.444.148 4.047.208.064 Accrued interests
Post-employment
Liabilitas imbalan pasca-kerja 2,20a,33 10.971.733.851 20.171.956.738 benefits liabilities
Liabilitas lain-lain 2,21,33,34,35 5.410.920.528 4.233.743.300 Other liabilities

TOTAL LIABILITAS 3.346.086.245.899 2.239.597.029.811 TOTAL LIABILITIES

EKUITAS EQUITY
Modal saham
Modal dasar - 40.000.000.000 Share capital
saham dengan nilai nominal Authorized - 40,000,000,000
Rp100 per saham pada tanggal shares with par value
31 Desember 2021 Rp100 per share as of
Modal ditempatkan dan disetor December 31, 2021
11.682.933.571 saham pada Issued and paid-up
tanggal 31 Desember 2021 11,682,933,571 shares as of
Modal dasar - 10.000.000.000 December 31, 2021
saham dengan nilai nominal Authorized - 10,000,000,000
Rp100 per saham pada tanggal shares with par value
31 Desember 2020 Rp100 per share as of
Modal ditempatkan dan disetor December 31, 2020
4.184.431.795 saham Issued and paid-up
pada tanggal 4,184,431,795 shares as of
31 Desember 2020 22 1.168.293.357.100 418.443.179.500 December 31, 2020
Tambahan modal disetor - neto 29 28.888.724.813 30.292.149.898 Additional paid-in capital - net
Surplus on revaluation
Surplus revaluasi aset tetap 2,12 22.575.371.620 22.575.371.620 of fixed assets
Pengukuran kembali atas program Remeasurement of defined
imbalan pasti 2 369.616.848 (645.899.794) benefits plan
Keuntungan yang belum direalisasi Unrealized gain on change
dari efek pada nilai wajar in fair value of securities
melalui penghasilan at fair value through
komprehensif lain 8j 26.771.270.429 12.503.713.126 other comprehensive income
Saldo laba (defisit) Retained earnings (deficit)
Ditentukan penggunaannya 2.000.000.000 2.000.000.000 Appropriated
Tidak ditentukan penggunaannya 54.372.562.023 (138.102.056.170) Unappropriated

TOTAL EKUITAS 1.303.270.902.833 347.066.458.180 TOTAL EQUITY

TOTAL LIABILITAS TOTAL LIABILITIES

DAN EKUITAS 4.649.357.148.732 2.586.663.487.991 AND EQUITY

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

2
 The original financial statements included herein are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA (FORMERLY
PT BANK HARDA INTERNASIONAL TBK) PT BANK HARDA INTERNASIONAL TBK)
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2021
31 Desember 2021 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2021 2020

PENDAPATAN DAN OPERATING INCOME AND

BEBAN OPERASIONAL EXPENSE
Pendapatan bunga 2,23,33 353.211.153.269 162.125.871.157 Interest income
Beban bunga 2,24 (157.893.156.290) (114.535.488.869) Interest expenses

PENDAPATAN BUNGA - NETO 195.317.996.979 47.590.382.288 NET INTEREST INCOME

PENDAPATAN OPERASIONAL OTHER OPERATING

LAINNYA INCOME
Keuntungan penjualan
Efek-efek 76.552.690.631 - Gain on sales of securities
Provisi dan komisi selain Non-loan fees and
dari kredit - neto 2 25.862.231.594 1.257.364.389 commissions - net
Pendapatan administrasi Administration and penalties
dan denda 2.429.502.526 2.595.867.556 income
Lain-lain - neto 2,27 992.586.255 497.620.280 Others - net

Total pendapatan operasional

lainnya 105.837.011.006 4.350.852.225 Total other operating income

Pembalikan cadangan kerugian Reversal of allowance

penurunan nilai aset for impairment losses on
keuangan dan aset financial assets and
non-keuangan - neto 2,25 2.997.161.224 83.076.760.638 non-financial assets - net

BEBAN OPERASIONAL OTHER OPERATING

LAINNYA EXPENSES
Umum dan administrasi 2,26a (35.977.783.688) (40.169.652.075) General and administrative
Tenaga kerja 2,26b (48.027.410.573) (50.495.624.960) Personnel

Total beban operasional Total other operating

lainnya (84.005.194.261) (90.665.277.035) expenses

PENDAPATAN INCOME FROM

OPERASIONAL - NETO 220.146.974.948 44.352.718.116 OPERATIONS - NET

PENDAPATAN (BEBAN) NON-OPERATING INCOME

NON - OPERASIONAL (EXPENSES)
Keuntungan (kerugian)
atas penjualan agunan Gain (loss) on sale of
yang diambill alih - neto 2,14 (150.388.291) 1.564.995.909 foreclosed assets - net
Keuntungan pelepasan Gain on disposal of
aset tetap - neto 2,12 44.089.478 10.930.000 fixed assets - net
Lainnya - neto (41.633.787) (101.915.606) Others - net

PENDAPATAN (BEBAN) NON-OPERATING INCOME

NON-OPERASIONAL - NETO (147.932.600) 1.474.010.303 (EXPENSES) - NET

INCOME BEFORE
LABA SEBELUM BEBAN PAJAK 219.999.042.348 45.826.728.419 TAX EXPENSE

Beban Pajak Penghasilan 2,18b Income Tax Expense

Kini (23.755.744.130) - Current
Tangguhan (3.768.680.025) (8.815.337.082) Deferred

TOTAL BEBAN PAJAK (27.524.424.155) (8.815.337.082) TOTAL TAX EXPENSES

LABA TAHUN BERJALAN 192.474.618.193 37.011.391.337 INCOME FOR THE YEAR

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

3
 The original financial statements included herein are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA (FORMERLY
PT BANK HARDA INTERNASIONAL TBK) PT BANK HARDA INTERNASIONAL TBK)
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2021
31 Desember 2021 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2021 2020

PENGHASILAN OTHER COMPREHENSIVE

KOMPREHENSIF LAIN INCOME
Pos-pos yang tidak akan Items that will not be
direklasifikasi ke reclasified subsequently to
laba rugi: profit or loss:
Surplus on revaluation
Surplus revaluasi aset tetap 2 - 16.364.979 of fixed assets
Pengukuran kembali atas Remeasurement of
program imbalan pasti defined benefit’s plan
setelah dikurangi pajak 2 1.015.516.641 (2.230.888.910) net of tax

Pos-pos yang akan direklasifikasi Items that will be reclasified

ke laba rugi:
Keuntungan yang belum
direalisasi atas perubahan
nilai wajar efek-efek
yang diukur pada nilai
wajar melalui penghasilan
komprehensif lain
subsequently to profit or loss:
Unrealized gain on change
in fair value
through other
8 14.267.557.303 12.503.713.126 comprehensive income

TOTAL PENGHASILAN TOTAL OTHER

KOMPREHENSIF COMPREHENSIVE
LAIN TAHUN BERJALAN INCOME FOR THE
SETELAH PAJAK 15.283.073.945 10.289.189.195 YEAR NET OF TAX

TOTAL PENGHASILAN TOTAL COMPREHENSIVE

(KERUGIAN) KOMPREHENSIF INCOME (LOSS)
TAHUN BERJALAN 207.757.692.137 47.300.580.532 FOR THE YEAR

LABA (RUGI) PER SAHAM BASIC EARNINGS (LOSS)

DASAR 2x,28 24,26 8,85 PER SHARE

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

4
 The original financial statements included herein are in Indonesian language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA PT BANK HARDA INTERNASIONAL TBK) (FORMERLY PT BANK HARDA INTERNASIONAL TBK)
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk tahun yang berakhir pada tanggal 31 Desember 2021 For the year ended December 31, 2021
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

Penghasilan komprehensif lain/

Other comprehensive income

Keuntungan
yang belum
direalisasi atas
perubahan nilai
wajar melalui
penghasilan
komprehensif lain/ Pengukuran
Modal Unrealized gain Surplus kembali atas Saldo laba (defisit)/
ditempatkan Tambahan on change in revaluasi program Retained earnings (deficit)
dan disetor modal fair value aset tetap/ imbalan pasti/
penuh/ disetor/ through other Surplus Remeasurement Ditentukan Tidak ditentukan
Catatan/ Issued and Additional comprehensive on revaluation of defined penggunaannya/ penggunaannya/ Total ekuitas/
Notes paid-up capital paid-in capital income of fixed assets benefits plan Appropriated Unappropriated Total equity

Saldo per Balance as of

31 Desember 2019 418.443.179.500 30.292.149.898 - 22.559.006.641 1.584.989.116 2.000.000.000 (175.113.447.507) 299.765.877.648 December 31, 2019

Laba periode berjalan - - - - - - 37.011.391.337 37.011.391.337 Income for the year

Penghasilan
komprehensif Other comprehensive
lain setelah pajak 2 - - 12.503.713.126 16.364.979 (2.230.888.910) - - 10.289.189.195 income net of tax

Saldo per Balance as of

31 Desember 2020 418.443.179.500 30.292.149.898 12.503.713.126 22.575.371.620 (645.899.794) 2.000.000.000 (138.102.056.170) 347.066.458.180 December 31, 2020

Penambahan modal 22 749.850.177.600 (1.403.425.085 ) - - - - - 748.446.752.515 Additional Capital

Laba periode berjalan - - - - - - 192.474.618.193 192.474.618.193 Income for the year

Penghasilan
komprehensif Other comprehensive
lain setelah pajak 2 - - 14.267.557.303 - 1.015.516.642 - - 15.283.073.945 income net of tax

Saldo per Balance as of

31 Desember 2021 1.168.293.357.100 28.888.724.813 26.771.270.429 22.575.371.620 369.616.848 2.000.000.000 54.372.562.023 1.303.270.902.833 December 31, 2021

Catatan atas laporan keuangan merupakan bagian yang tidak terpisahkan dari The accompanying notes are an integral part of these financial statements.
laporan keuangan.

5
 The original financial statements included herein are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA (FORMERLY
PT BANK HARDA INTERNASIONAL TBK) PT BANK HARDA INTERNASIONAL TBK)
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2021
31 Desember 2021 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2021 2020

ARUS KAS DARI CASH FLOWS FROM

AKTIVITAS OPERASI OPERATING ACTIVITIES
Pendapatan bunga yang diterima 314.315.747.956 160.200.886.321 Interest income received
Pendapatan operasional lainnya 106.273.569.130 4.169.301.155 Other operating income
Pendapatan (beban) Non-operating income
non-operasi - neto 1.140.500.629 1.463.080.302 (expenses) - net
Penerimaan kembali atas kredit Receipt from written-off
yang dihapusbukukan dan loans and foreclosed
agunan yang diambil alih 27 - 181.551.069 collateral
Beban bunga yang dibayar (154.807.920.207) (116.899.915.905) Interest expenses paid
Beban tenaga kerja (57.227.633.459) (54.543.034.308) Personnel expenses
Beban umum dan General and administrative
administrasi (32.810.250.578) (36.802.106.994) expenses

Arus kas dari aktivitas operasi Cash flows from operating activities
sebelum perubahan aset dan before changes in operating
liabilitas operasi 176.884.013.471 (42.230.238.360) assets and liabilities

Penurunan (kenaikan) Decrease (increase) in

aset operasi: operating assets:
Kredit yang diberikan (922.415.906.989) 390.912.002.581 Loans
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali - 46.800.000.000 under resale agreements
Biaya dibayar dimuka (296.328.887) 7.173.042.916 Prepaid expenses
Uang muka (69.644.598.589) 1.367.800.000 Advances
Efek-efek dan Obligasi Marketable securities and
Pemerintah yang diukur pada Government Bonds at fair
nilai wajar melalui laba rugi (866.477.552.563) (818.553.906.425) value through profit and loss
Aset lain-lain (14.786.711.893) (52.840.922.524) Other assets
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain - (500.000.000) Indonesia and other banks
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi: operating liabilities:
Simpanan Deposits
Deposito berjangka 818.110.346.434 (555.656.118.111) Time deposits
Giro (20.086.495.572) (135.364.703.345) Current accounts
Tabungan (3.631.226.711) (5.513.563.770) Saving deposits
Utang pajak 23.326.299.899 (1.284.021.620) Taxes payables
Liabilitas lain-lain 271.404.598.318 720.982.173.062 Other liabilities

Arus kas bersih digunakan untuk Net cash flows used in operating
aktivitas operasi (607.613.563.082) (444.708.455.596) activities

ARUS KAS DARI CASH FLOWS FROM

AKTIVITAS INVESTASI INVESTING ACTIVITIES
Hasil penjualan aset tetap 12 57.762.664 10.930.000 Proceeds from sale of fixed assets
Pembelian aset takberwujud 13 (720.642.100) (2.678.500.000) Purchases of intangible assets
Pembelian aset tetap 12 (62.665.998) (281.476.666) Purchases of fixed assets

Arus kas bersih digunakan untuk Net cash flows used in

aktivitas investasi (725.545.434) (2.949.046.666) investing activities

ARUS KAS DARI CASH FLOWS FROM

AKTIVITAS PENDANAAN
Penambahan modal disetor
Biaya atas penerbitan saham
FINANCING ACTIVITIES
Proceeds from issuance
22 749.850.177.600 - of shares capital
Transaction cost issuance
(1.403.425.085) - of shares

Arus kas bersih diperoleh dari Net cash flows provided by

aktivitas pendanaan 748.446.752.515 - financing activities

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

6
 The original financial statements included herein are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA (FORMERLY
PT BANK HARDA INTERNASIONAL TBK) PT BANK HARDA INTERNASIONAL TBK)
LAPORAN ARUS KAS (lanjutan) STATEMENTS OF CASH FLOWS (continued)
Untuk tahun yang berakhir pada tanggal For the year ended December 31, 2021
31 Desember 2021 (Expressed in Rupiah, unless otherwise stated)
(Disajikan dalam Rupiah, kecuali dinyatakan lain)

Catatan/
Notes 2021 2020

KENAIKAN (PENURUNAN) INCREASE (DECREASE)

BERSIH KAS DAN IN CASH AND CASH
SETARA KAS 140.107.643.999 (447.657.502.262) EQUIVALENTS

CASH AND CASH

KAS DAN SETARA KAS EQUIVALENTS AT
AWAL TAHUN 106.541.256.591 554.198.758.853 BEGINNING OF THE YEAR

CASH AND CASH

KAS DAN SETARA KAS EQUIVALENTS
AKHIR TAHUN 246.648.900.590 106.541.256.591 AT END OF THE YEAR

Cash and cash equivalents

Kas dan setara kas terdiri dari: consist of:
Kas 4 12.450.754.000 14.025.339.750 Cash
Current accounts with
Giro pada Bank Indonesia 5 64.735.668.284 51.616.264.591 Bank Indonesia
Current accounts with
Giro pada bank lain 6 69.477.752.583 3.908.398.606 other banks
Penempatan pada Bank Placements with Bank
Indonesia Indonesia
dan bank lain 7 99.984.725.723 36.991.253.644 and other banks

Total cash and cash

Total kas dan setara kas 246.648.900.590 106.541.256.591 equivalents

Catatan atas laporan keuangan merupakan bagian yang The accompanying notes are an integral part of
tidak terpisahkan dari laporan keuangan. these financial statements.

7

PT ALLO BANK INDONESIA TBK
(SEBELUMNYA
PT BANK HARDA INTERNASIONAL TBK)
CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2021 dan
Untuk Tahun yang Berakhir Pada Tanggal Tersebut
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
1. UMUM
a. Pendirian dan informasi umum
PT Bank Harda Internasional Tbk (“Bank”)
didirikan berdasarkan Akta Notaris No. 242
tanggal 21 Oktober 1992 dari
Ny. Poerbaningsih Adi Warsito, S.H., notaris,
di Jakarta. Akta pendirian tersebut telah
mendapat pengesahan dari Kementerian
Kehakiman Republik Indonesia dengan Surat
Keputusannya No. C2-895.HT.01.01.TH.93
tanggal 10 Februari 1993 serta diumumkan
dalam Lembaran Berita Negara No. 25 tanggal
27 Maret 1993, Tambahan No. 1316.
Berdasarkan Akta Notaris No. 1 tanggal 2 Juni
2021 tentang perubahan anggaran dasar
PT Bank Harda Internasional Tbk yang dibuat
di hadapan notaris Dharma Akhyuzi, S.H., para
pemegang saham menyetujui perubahan
nama Bank dari sebelumnya bernama
PT Bank Harda Internasional Tbk menjadi
PT Allo Bank Indonesia Tbk dan juga
menyetujui perubahan anggaran dasar Bank
untuk disesuaikan dengan peraturan Otoritas
Jasa Keuangan No. KEP-48/PB.1/2021
tentang Rencana dan Penyelenggaraan Rapat
Umum Pemegang Saham Perusahaan
Terbuka. Perubahan ini telah disetujui oleh
Menteri Hukum dan Hak Asasi Manusia
Republik Indonesia melalui surat keputusan
No. AHU-0031692.AH.01.02. Tahun 2021
tanggal 2 Juni 2021.
Anggaran Dasar Bank telah mengalami
beberapa kali perubahan. Perubahan terakhir
berdasarkan Akta Pernyataan Keputusan
Rapat No. 5 tanggal 15 Oktober 2021 yang
dibuat dihadapan notaris Dharma Akhyuzi,
S.H. notaris di Jakarta, menyetujui
peningkatan Modal Dasar Bank dari semula
sebanyak 16.000.000.000 lembar saham
dengan nilai nominal sebesar
Rp1.600.000.000.000 menjadi sebanyak
40.000.000.000 lembar saham dengan nilai
nominal sebesar Rp4.000.000.000.000.
Perubahan tersebut telah diterima dan dicatat
oleh Kementerian Hukum dan Hak Asasi
Manusia Republik Indonesia masing-masing
melalui Surat Keputusan No. AHU-
0057224.AH.01.02. Tahun 2021 tanggal
15 Oktober 2021.
8
The original financial statements included herein are in the Indonesian
language.
PT ALLO BANK INDONESIA TBK
(FORMERLY
PT BANK HARDA INTERNASIONAL TBK)
NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2021
and For The Year Then Ended
(Expressed in Rupiah, unless otherwise stated)
1. GENERAL
a. Establishment and general information
PT Bank Harda Internasional Tbk (the “Bank”)
was established by Notarial Deed No. 242
dated October 21, 1992 from
Mrs. Poerbaningsih Adi Warsito, S.H., notary,
in Jakarta. The Deed of establishment was
approved by the Ministry of Justice
of the Republic of Indonesia in its
Decree No. C2-895.HT.01.01.TH.93 dated
February 10, 1993 and published in State
Gazette No. 25 dated March 27, 1993,
Supplement No. 1316.
Based on Notarial Deed No. 1 dated June 2,
2021 regarding the Decision of the Meeting
Resolution on Amendment of Article of
Association of PT Bank Harda Internasional
Tbk, which was made before Dharma Akhyuzi,
SH., the Bank’s shareholders agreed to
change the Bank’s name from PT Bank Harda
Internasional Tbk to become PT Allo Bank
Indonesia Tbk and also approved the
amendmend of Bank’s Article Association to
be adjusted with the Financial Services
Authority Regulation No. KEP-48/PB.1/2021
regarding Plan and Implementation General
Meeting of Shareholders of Public Company.
These changes have been approved by the
Minister of Laws and Human Rights of the
Republic of Indonesia through letter No. AHU-
0031692.AH.01.02. Tahun 2021 dated
June 2, 2021.
The Bank’s Articles of Assosiation have been
amended several times. The latest
amendment is based on the Deed of the
Meeting Decision Statement No. 5 dated
October 15, 2021 of Dharma Akhyuzi, S.H.
notary in Jakarta, approved the increase in the
Bank’s Authorized Capital from
16,000,000,000 shares with a nominal value of
Rp1,600,000,000,000 to 40,000,000,000
shares with a nominal value of
Rp4,000,000,000,000. The amendment has
been received and recorded by the Ministry of
Law and Human Rights of the Republic
Indonesia in its Decision Letter No. AHU-
0057224.AH.01.02. Year 2021 dated
October 15, 2021.

PT ALLO BANK INDONESIA TBK
(SEBELUMNYA
PT BANK HARDA INTERNASIONAL TBK)
CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2021 Dan
Untuk Tahun yang Berakhir Pada Tanggal Tersebut
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
1. UMUM (lanjutan)
a. Pendirian dan informasi umum (lanjutan)
Sesuai dengan Pasal 3 Anggaran Dasar Bank,
tujuan Bank adalah melakukan usaha
perbankan dengan melaksanakan kegiatan
usaha antara lain menghimpun dana dari
masyarakat, memberikan kredit, menerbitkan
surat pengakuan utang, melakukan kegiatan
penitipan untuk kepentingan pihak lain
berdasarkan suatu kontrak dan membeli
melalui pelelangan agunan sesuai maupun
sebagian dalam hal debitur tidak memenuhi
liabilitasnya kepada Bank.
Bank memperoleh izin usaha sebagai Bank
Umum dari Kementerian Keuangan
Republik Indonesia dengan keputusan
No. 455/KMK.017/1994 tanggal 8 September
1994. Selain usaha perbankan umum, Bank
juga melakukan usaha sebagai pedagang
valuta asing sesuai dengan Surat Izin
No. 29/55/UOPM tanggal 20 Desember 1996
dari Urusan Operasi Pengendalian Moneter
Bank Indonesia, yang telah diperbaharui
dengan Surat Keputusan Direktur Perizinan
dan Informasi Perbankan No. 5/3/KEP.Dir.PIP/
2004 tanggal 24 Desember 2003.
Pada tanggal 31 Desember 2021, induk
perusahaan Bank adalah PT Mega Corpora
yang juga merupakan pemegang saham
mayoritas dari Bank. Entitas induk terakhir
Bank adalah PT CT Corpora.
Pada tanggal 31 Desember 2020 induk
perusahaan Bank adalah PT Hakimputra
Perkasa yang juga merupakan pemegang
saham mayoritas dari Bank. Entitas induk
terakhir Bank adalah Rachman Hakim.
Kantor Pusat Bank berlokasi di Jalan K.H.
Samanhudi No. 10 Jakarta Pusat 10710 dan
telah mendapat persetujuan dari Bank
Indonesia dengan Surat No. 9/1163/DPNP/Prz
tanggal 21 November 2008. Bank saat ini
mempunyai 8 Kantor Cabang, 6 Kantor
Cabang Pembantu, dan 2 Kantor Kas (tidak
diaudit).
Pada tanggal 10 September 2021, Bank
menerima surat persetujuan produk/aktivitas
baru, aplikasi, sistem utama dan sistem
penunjang dari Otoritas Jasa Keuangan
No. S-159/PB.333/2021 sebagai bank digital.
9
The original financial statements included here in are in the Indonesian
language.
PT ALLO BANK INDONESIA TBK
(FORMERLY
PT BANK HARDA INTERNASIONAL TBK)
NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2021
And For The Year Then Ended
(Expressed in Rupiah, unless otherwise stated)
1. GENERAL (continued)
a. Establishment and general information
(continued)
In accordance with Article 3 of the Bank’s
Articles of Association, the purpose of the
Bank is to conduct banking business by
conducting business activities such as
collecting funds from public, providing loans,
issuing letters of credit, conducting custody
activities for the benefit of other parties based
on a contract, and buying through the auction
of collateral as well as part in the event that
the debtor does not fulfill its obligations to the
Bank.
The Bank obtained a license as a Commercial
Bank from the Ministry of Finance of
the Republic of Indonesia with the
decision No. 455/KMK.017/1994 dated
September 8, 1994. In addition to commercial
banking business, the Bank also conducts
business as a foreign exchange trader
in accordance with Permit Letter
No. 29/55/UOPM dated December 20, 1996
from the Monetary Control Operation Affairs of
Bank Indonesia, which was amended by the
Decree of the Director of Licensing and
Banking Information No.5/3/KEP.Dir.PIP/2004
dated December 24, 2003.
As of December 31, 2021, the Bank’s parent
company is PT Mega Corpora which is the
majority stockholder of the Bank. The ultimate
holding entity of the Bank is PT CT Corpora.
As of December 31, 2020 the Bank’s parent
company is PT Hakimputra Perkasa which is
the majority stockholder of the Bank. The
ultimate holding entity of the Bank is Rachman
Hakim.
Bank's Head Office is located at Jalan K.H.
Samanhudi No. 10 Jakarta Pusat 10710 and
has received approval from Bank Indonesia
by Letter No. 9/1163/DPNP/Prz dated
November 21, 2008. The Bank currently has 8
Branch Offices, 6 Sub-branch Offices, and
2 Cash Offices (unaudited).
On September 10, 2021, the Bank received a
letter of approval for new products/activities,
applications, main systems and supporting
systems from the Financial Services Authority
No. S-159/PB.333/2021 as a digital bank.

PT ALLO BANK INDONESIA TBK
(SEBELUMNYA
PT BANK HARDA INTERNASIONAL TBK)
CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2021 Dan
Untuk Tahun yang Berakhir Pada Tanggal Tersebut
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
1. UMUM (lanjutan)
b. Penawaran umum saham Bank
Pada tanggal 31 Juli 2015, Bank memperoleh
Surat Pernyataan Efektif dari Dewan
Komisioner Otoritas Jasa Keuangan (OJK)
dengan suratnya No. S-346/D.04/2015 untuk
melakukan penawaran umum saham perdana
sejumlah 800.000.000 lembar saham biasa
atas nama dan dengan nilai nominal Rp100
(angka penuh) setiap lembar saham yang
ditawarkan kepada masyarakat dengan harga
penawaran Rp125 (angka penuh) setiap
saham. Termasuk didalam jumlah saham
umum perdana kepada masyarakat adalah
saham yang telah dialokasikan sehubungan
dengan Program Alokasi Saham Karyawan
sejumlah 1.270.000 lembar saham
berdasarkan Surat Keputusan Direksi
No. 024/SK-DIR/V/2015.
Pada tanggal 12 Agustus 2015, seluruh saham
tersebut telah dicatat di Bursa Efek Indonesia.
Pada tanggal 14 Juli 2017, Bank memperoleh
Surat Pernyataan Efektif dari Dewan
Komisioner Otoritas Jasa Keuangan (OJK)
dengan suratnya No. S-03820/BEI.PP3/07-
2017 untuk non Hak Memesan Efek Terlebih
Dahulu sejumlah 365.000.000 lembar saham
biasa atas nama dan dengan nilai nominal
Rp100 (angka penuh) setiap lembar saham
yang ditawarkan dengan harga penawaran
Rp100 (angka penuh) setiap saham.
Pada tanggal 22 Juni 2018, Bank memperoleh
Surat Pernyataan Efektif dari Dewan
Komisioner Otoritas Jasa Keuangan (OJK)
dengan suratnya No. S-03564/BEI.PP3/06-
2018 untuk melakukan Hak Memesan Efek
Terlebih Dahulu sejumlah 169.431.795 lembar
saham biasa atas nama dan dengan nilai
nominal Rp100 (angka penuh) setiap lembar
saham yang ditawarkan kepada masyarakat
dengan harga penawaran Rp200 (angka
penuh) setiap saham.
Pada tanggal 30 Juni 2021, Bank memperoleh
Surat Pernyataan Efektif dari Dewan
Komisioner Otoritas Jasa Keuangan (OJK)
dengan suratnya No. S-104/D.04/2021 untuk
melakukan Hak Memesan Efek Terlebih
Dahulu sejumlah 7.498.501.776 lembar saham
biasa atas nama dan dengan nilai nominal
Rp100 (angka penuh) setiap lembar saham
yang ditawarkan kepada masyarakat dengan
harga penawaran Rp100 (angka penuh) setiap
saham.
10
The original financial statements included here in are in the Indonesian
language.
PT ALLO BANK INDONESIA TBK
(FORMERLY
PT BANK HARDA INTERNASIONAL TBK)
NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2021
And For The Year Then Ended
(Expressed in Rupiah, unless otherwise stated)
1. GENERAL (continued)
b. Public offering of the Bank’s shares
On July 31, 2015, the Bank obtained the
Effective Statement Letter from Board of
Commissioners of Financial Services Authority
(OJK) through its Letter No. S-346/D.04/2015
for the Bank's initial public offering of
800,000,000 common shares to the public with
a par value of Rp100 (full amount) per share at
an offering price of Rp125 (full amount) per
share. Included in the number of initial public
shares offered to the public are shares that
have been allocated in connection with
Employee Stock Allocation Program (ESA) of
1,270,000 shares based on the Director
Decision Letter No. 024/SK-DIR/V/2015.
These shares were listed on the Indonesian
Stock Exchange on August 12, 2015.
On July 14, 2017, the Bank obtained the
Effective Statement Letter from Board of
Commissioners of Financial Services Authority
(OJK) through its Letter No. S-03820/
BEI.PP3/07-2017 for non-right issue of
365,000,000 common shares with a par value
of Rp100 (full amount) per share at an offering
price of Rp100 (full amount) per share.
On June 22, 2018, the Bank obtained the
Effective Statement Letter from Board of
Commissioners of Financial Services Authority
(OJK) through its Letter No. S-03564/
BEI.PP3/06-2018 for the Bank's right issue
offering of 169,431,795 common shares to the
public with a par value of Rp100 (full amount)
per share at an offering price of Rp200 (full
amount) per share.
On June 30, 2021, the Bank obtained the
Effective Statement Letter from Board of
Commissioners of Financial Services Authority
(OJK) through its Letter No. S-104/D.04/2021
for the Bank's right issue offering of
7,498,501,776 common shares to the public
with a par value of Rp100 (full amount) per
share at an offering price of Rp100 (full
amount) per share.
 The original financial statements included here in are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA (FORMERLY
PT BANK HARDA INTERNASIONAL TBK) PT BANK HARDA INTERNASIONAL TBK)
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2021 Dan As of December 31, 2021
Untuk Tahun yang Berakhir Pada Tanggal Tersebut And For The Year Then Ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

1. UMUM (lanjutan) 1. GENERAL (continued)

b. Penawaran umum saham Bank (lanjutan) b. Public offering of the Bank’s shares
(continued)

Pada tanggal 30 Desember 2021, Bank On December 30, 2021, the Bank obtained the
memperoleh Surat Pernyataan Efektif dari Effective Statement Letter from Board of
Dewan Komisioner Otoritas Jasa Keuangan Commissioners of Financial Services Authority
(OJK) dengan suratnya No. S-245/D.04/2021 (OJK) through its Letter No. S-245/D.04/2021
untuk melakukan Hak Memesan Efek Terlebih for the Bank's right issue offering of
Dahulu sejumlah 10.047.322.871 lembar 10,047,322,871 common shares to the public
saham biasa atas nama dan dengan nilai with a par value of Rp100 (full amount) per
nominal Rp100 (angka penuh) setiap lembar share at an offering price of Rp478 (full
saham yang ditawarkan kepada masyarakat amount) per share.
dengan harga penawaran Rp478 (angka
penuh) setiap saham.

c. Dewan Komisaris, Direksi, Komite Audit, c. Board of Commissioners, Directors, Audit

Komite Pemantau Risiko, Komite Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi, Divisi Audit Remuneration and Nomination Committee,
Internal dan Karyawan Internal Audit Division and Employees

Pada tanggal 31 Desember
anggota Dewan Komisaris,
Audit, Komite Pemantau
Remunerasi dan Nominasi
berikut:
Dewan Komisaris:
Komisaris Independen
Komisaris
2021 dan 2020, As of December 31, 2021 and 2020, the Board
Direksi, Komite of Commissioners, Directors, Audit Committee,
Risiko, Komite Risk Monitoring Committee, Remuneration and
adalah sebagai Nomination Committee are as follows:
2021
Board of Commissioners:
Robertus Soedaryatmo Yosowidagdo Independent Commissioner
Ali Gunawan Commissioner

Direksi: Directors:
Direktur Utama Ari Yanuanto Asah*) President Director
Direktur Arief Tendeas Director
Direktur Ganda Raharja Rusli**) Director

Komite Audit: Audit Committee:

Ketua Robertus Soedaryatmo Yosowidagdo Head
Anggota Slamet Agus Pramono Member
Anggota Wan Maraden Sinaga Member

Komite Pemantau Risiko: Risk Monitoring Committee:

Ketua Robertus Soedaryatmo Yosowidagdo Head
Anggota Slamet Agus Pramono Member
Anggota Wan Maraden Sinaga Member

Komite Remunerasi Remuneration and Nomination

dan Nominasi: Committee:
Ketua Robertus Soedaryatmo Yosowidagdo Head
Anggota Ali Gunawan Member
Anggota Mariawati Tjitradinata Member

*) Akan efektif setelah diperolehnya persetujuan *) Will be effective after issuance of approval for fit and
Kemampuan dan Kepatuhan (fit and proper) dari Otoritas proper by Financial Service Authority
Jasa Keuangan (OJK)

**) Efektif sesuai dengan surat Otoritas Jasa Keuangan **) Effective in accordance with the OJK letter No. SR-
(OJK) No. SR-320/PB.12/2021 tanggal 17 Desember 320/PB.12/2021 dated December 17, 2021
2021

11
 The original financial statements included here in are in the Indonesian
language.

PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK

(SEBELUMNYA (FORMERLY
PT BANK HARDA INTERNASIONAL TBK) PT BANK HARDA INTERNASIONAL TBK)
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2021 Dan As of December 31, 2021
Untuk Tahun yang Berakhir Pada Tanggal Tersebut And For The Year Then Ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

1. UMUM (lanjutan) 1. GENERAL (continued)

c. Dewan Komisaris, Direksi, Komite Audit, c. Board of Commissioners, Directors, Audit

Komite Pemantau Risiko, Komite Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi, Divisi Audit Remuneration and Nomination Committee,
Internal dan Karyawan (lanjutan) Internal Audit Division and Employees
(continued)

Pada tanggal 31 Desember 2021 dan 2020,
anggota Dewan Komisaris, Direksi, Komite
Audit, Komite Pemantau Risiko, Komite
Remunerasi dan Nominasi adalah sebagai
berikut: (lanjutan)
As of December 31, 2021 and 2020, the Board
of Commissioners, Directors, Audit Committee,
Risk Monitoring Committee, Remuneration and
Nomination Committee are as follows:
(continued)

2020

Dewan Komisaris: Board of Commissioners:

Komisaris Utama Novita Hakim President Commissioner
Komisaris Independen Robertus Soedaryatmo Yosowidagdo Independent Commissioner
Komisaris Independen Hertanto Tjahyasurya Independent Commissioner

Direksi: Directors:
Direktur Yohanes Sutanto Director
Direktur Harry Abbas Director
Direktur Yohanes Director

Komite Audit: Audit Committee:

Ketua Hertanto Tjahyasurya Head
Anggota Slamet Agus Pramono Member
Anggota Wan Maraden Sinaga Member
Komite Pemantau Risiko: Risk Monitoring Committee:
Ketua Hertanto Tjahyasurya Head
Anggota Slamet Agus Pramono Member
Anggota Wan Maraden Sinaga Member

Komite Remunerasi Remuneration and Nomination

dan Nominasi: Committee:
Ketua Robertus Soedaryatmo Yosowidagdo Head
Anggota Mariawati Tjitradinata Member
Anggota Novita Hakim Member

Kepala Divisi Audit Internal Bank pada tanggal The Bank’s Internal Audit Division Head as of
31 Desember 2021 dan 2020 adalah Jo Agus December 31, 2021 and 2020 is Jo Agus
Mudafir. Mudafir.

Sekretaris Perusahaan Bank pada The Bank’s Corporate Secretary as of

31 Desember 2021 adalah Kemal Sutedja December 31, 2021 is Kemal Sutedja Sindi.
Sindi.

Sekretaris Perusahaan Bank pada The Bank’s Corporate Secretary as of

31 Desember 2020 adalah Yohanes. December 31, 2020 is Yohanes.

12