1 Laporan Tahunan 2021

Ketangguhan
dan Sinergi
menuju Masa
Depan yang
Lebih Cerah
Resilience and
Synergy towards a
Brighter Future
2021 Laporan Tahunan
Annual Report PT Bank Muamalat Indonesia Tbk
Sanggahan dan Batasan Tanggung Jawab Disclaimer and Limitation of Liability
Laporan tahunan ini memuat pernyataan kondisi keuangan, hasil operasi, This annual report discloses the financial statements, results of operations,
proyeksi, rencana, strategi, kebijakan, serta tujuan Bank, yang digolongkan projections, plans, strategies, policies, and objectives of the Bank, which
sebagai pernyataan ke depan dalam pelaksanaan perundang-undangan are classified as forward-looking statements in the implementation of the
yang berlaku, kecuali hal-hal yang bersifat historis. Pernyataan-pernyataan prevailing regulations, except for historical matters. These statements
tersebut memiliki prospek risiko, ketidakpastian, serta dapat mengakibatkan involve potential risks, uncertainties, and may materially differ in their actual
perkembangan aktual secara material berbeda dari yang dilaporkan. developments from those reported here in.
Pernyataan-pernyataan prospektif dalam laporan tahunan ini dibuat The prospective statements in this annual report are prepared on the basis of
berdasarkan berbagai asumsi mengenai kondisi terkini dan kondisi Bank pada various assumptions regarding the current and future conditions of the Bank
masa mendatang serta lingkungan bisnis di mana Bank menjalankan kegiatan as well as the business environment in which the Bank conducts its business.
usaha. Bank tidak menjamin bahwa dokumen-dokumen yang telah dipastikan The Bank does not guarantee that these documents whose validity have been
keabsahannya ini akan memberikan hasil yang diharapkan. ascertained will bring expected results.
Laporan tahunan ini memuat kata “Bank,” “Bank Muamalat,” dan “Bank The annual report contains the words “the Bank,” “Bank Muamalat,” and “Bank
Muamalat Indonesia (BMI)” yang didefinisikan sebagai PT Bank Muamalat Muamalat Indonesia (BMI)” which are defined as PT Bank Muamalat Indonesia
Indonesia Tbk yang menjalankan kegiatan usaha dalam bidang perbankan Tbk engaged in sharia banking activities. Oftentimes, the word “Company” is
syariah. Adakalanya kata “Perusahaan” dan “Perseroan” juga digunakan atas also used for ease of reference to address PT Bank Muamalat Indonesia Tbk
dasar kemudahan untuk menyebut PT Bank Muamalat Indonesia Tbk secara in general.
umum.
Laporan ini disajikan dalam dua bahasa yaitu Bahasa Indonesia dan The report is presented in two languages, Bahasa Indonesia and English, using
Bahasa Inggris dengan menggunakan jenis dan ukuran huruf yang mudah the easily readable font type and size and with good quality prints. The Annual
dibaca dan dicetak dengan kualitas yang baik. Laporan Tahunan ini Report is available and downloadable from Bank Muamalat Indonesia’s official
dapat dilihat dan diunduh di situs resmi Bank Muamalat Indonesia yaitu website www.bankmuamalat.co.id.
www. bankmuamalat. co.id.
Ketangguhan
dan Sinergi menuju
Masa Depan yang
Lebih Cerah
Resilience and Synergy
towards a Brighter Future
Tahun 2021 merupakan tahun yang sangat penting bagi

PT Bank Muamalat Indonesia Tbk. Bank berhasil meningkatkan
modalnya sebesar Rp1 triliun yang disuntik oleh Badan Pengelola
Keuangan Haji (BPKH) melalui mekanisme rights issue. Pada awal tahun
2022, BPKH menyetor tambahan modal sebesar Rp2 triliun melalui
penerbitan instrumen subordinasi.
Injeksi modal dari BPKH tersebut membuat permodalan Bank semakin

kuat dan tangguh, seperti ditunjukkan melalui rasio kecukupan modal
yang meninggi. Dana tersebut akan digunakan untuk penyaluran
pembiayaan yang akan dapat memperbaiki rentabilitas Bank.
Kehadiran BPKH sebagai pemegang saham mayoritas Bank sekaligus

membuka peluang terciptanya sinergi yang positif. Dengan demikian,
peluang Bank untuk berkembang ke depan akan semakin terbuka demi
menatap masa depan yang lebih cerah.
2021 is a milestone year for PT Bank Muamalat Indonesia Tbk. The Bank succeeded
in strengthening its capital by a capital injection of Rp1 trillion from the Hajj
Financial Management Agency (BPKH) through a rights issue mechanism. In early
2022, BPKH deposited additional capital of IDR 2 trillion through the issuance of
subordinated instruments.
The capital injection from BPKH made the Bank’s capital stronger and more
resilient, as indicated by the higher capital adequacy ratio. The funds will be used
for disbursement of financing that expected to improve the profitability of the
Bank.
The presence of BPKH as the majority shareholder of the Bank also opens up
opportunities for the creation of positive synergies. Thus, going forward, the Bank
will have more opportunities to grow and develop toward a brighter future.
Keberlanjutan Tema
Theme Continuity
2020
Turnaround Towards
Profitability and Sustainability
Gelombang pandemi COVID-19 tahun 2020 berdampak besar pada perekonomian,

bisnis, dan interaksi sosial masyarakat global sehingga Indonesia mengalami
kontraksi pertumbuhan. Menghadapi tantangan tersebut Bank Muamalat melakukan
langkah turnaround untuk meningkatkan kembali tingkat profitabilitasnya dengan
membangun fondasi pertumbuhan bisnis yang berkelanjutan melalui berbagai inisiatif
untuk mengembalikan kinerja pada tingkat yang lebih baik.
The 2020 COVID-19 pandemic outbreak had a major impact on the economy,
business, and social interactions in the global community, as a result of which
Indonesia has experienced a contraction in growth. Facing this challenge, Bank
Muamalat underwent the turnaround initiative to increase its profitability by
building the fondations for sustainable growth through various initiatives to improve
performance.
2019
Transformasi untuk Pertumbuhan Bisnis
yang Berkelanjutan
Transformation for Sustainable Business Growth
Sebagai pionir di industri perbankan syariah di As a pioneer in the sharia banking industry in
Indonesia, Bank Muamalat Indonesia berkomitmen Indonesia, Bank Muamalat Indonesia is committed to
untuk terus berperan aktif dan terus mendorong playing an active role and encourage the development
kemajuan industri perbankan syariah di tanah air. of the sharia banking industry in the country. With its
Dengan pengalaman dan kapasitas yang dimilikinya, experience and capacity, Bank Muamalat Indonesia
Bank Muamalat Indonesia telah menjadi salah satu has become one ofthe centers of the Islamic economic
pusat ekosistem ekonomi syariah di Indonesia. ecosystem in Indonesia.
Tahun 2019, Bank Muamalat Indonesia memulai In 2019, Bank Muamalat Indonesia began a
proses transformasi dengan melakukan review secara transformation process by conducting a thorough
menyeluruh terhadap kapasitas organisasi dan review of the organization’s capacity and the challenges
tantangan yang akan dihadapi ke depan. Perseroan in the future. The Company continues to make
senantiasa melakukan perbaikan dan penyempurnaan improvements and enchancements to its products
pada produk dan layanan agar dapat memberikan and services in order to provide the best service to
pelayanan yang terbaik kepada nasabah. Bersamaan customers. Concurrent with strengthening processes
dengan proses penguatan struktur permodalan, for the capital structure, Bank Muamalat Indonesia
Bank Muamalat Indonesia terus melakukan berbagai continues to make various preparations to achieve a
persiapan untuk meraih pertumbuhan bisnis yang sustainable business growth.
berkelanjutan.
Melalui tagar #AyoHijrah, Perseroan mengajak seluruh Through the hashtag #AyoHijrah, the Company invites
umat terutama umat muslim agar lebih lekat dengan people, especially Moslems to be more attached to
Bank Syariah. Program kampanye ini diharapkan sharia banks. This campaign program is expected
dapat memberikan kontribusi positif terhadap kinerja to make a positive contribution to the Company’s
Perseroan dan industri perbankan syariah pada performance and the sharia banking industry in
umumnya. Perseroan meyakini, industri perbankan general. The Company believes, the sharia banking
syariah memiliki potensi yang sangat besar dan Bank industry has great potential and that Bank Muamalat
Muamalat Indonesia akan berada di garis terdepan Indonesia will be at the forefront to optimize that
untuk mengoptimalkan potensi tersebut. potential.
2 PT Bank Muamalat Indonesia Tbk

Laporan Tahunan 2021
2021
Ketangguhan dan Sinergi
menuju Masa Depan yang
Lebih Cerah
Resilience and Synergy
towards a Brighter Future
Tahun 2021 merupakan tahun yang sangat penting bagi

PT Bank Muamalat Indonesia Tbk. Bank berhasil meningkatkan modalnya
sebesar Rp1 triliun yang disuntik oleh Badan Pengelola Keuangan Haji (BPKH)
melalui mekanisme right issue. Pada tahun 2022, BPKH menyetor tambahan
modal sebesar Rp2 triliun melalui penerbitan instrumen subordinasi.
Injeksi modal dari BPKH tersebut membuat permodalan Bank semakin

kuat dan tangguh, seperti ditunjukkan melalui rasio kecukupan modal yang
meninggi. Dana tersebut akan digunakan untuk penyaluran pembiayaan yang
akan dapat memperbaiki rentabilitas Bank.
Kehadiran BPKH sebagai pemegang saham mayoritas Bank sekaligus membuka

peluang terciptanya sinergi yang positif. Dengan demikian, peluang Bank untuk
berkembang ke depan akan semakin terbuka demi menatap masa depan yang
lebih cerah.
2021 is a milestone year for PT Bank Muamalat Indonesia Tbk. The Bank succeeded
in strengthening its capital by a capital injection of Rp1 trillion from the Hajj Financial
Management Agency (BPKH) through a rights issue mechanism. In early 2022, BPKH
deposited additional capital of IDR 2 trillion through the issuance of subordinated
instruments.
The capital injection from BPKH made the Bank’s capital stronger and more resilient, as
indicated by the higher capital adequacy ratio. The funds will be used for disbursement of
financing that expected to improve the profitability of the Bank.
The presence of BPKH as the majority shareholder of the Bank also opens up
opportunities for the creation of positive synergies. Thus, going forward, the Bank will
have more opportunities to grow and develop toward a brighter future.
PT Bank Muamalat Indonesia Tbk 3

2021 Annual Report
Daftar Isi
Table of Contents
132 Profil Direksi dan Pejabat Eksekutif 212 Komitmen dan Kontinjensi
Ikhtisar Kinerja 2021 Senior Commitments and Contingencies
2021 Performance Highlights Profile of the Board of Directors and 213 Informasi Kinerja Keuangan Lain
Senior Executive Officers Other Financial Performance
8 Ikhtisar Keuangan 148 Profil Pejabat Eksekutif Information
Profile of Executive Officers 216 Kemampuan Membayar Utang
Financial Highlights
11 Ikhtisar Saham 153 Statistik Karyawan Ability to Pay Debt
Employee Statistics 217 Struktur Modal
Stock Highlights
12 Aksi Korporasi 170 Informasi Pemegang Saham Utama Capital Structure
dan Pengendali 218 Ikatan Material untuk Investasi
Corporate Actions
Information on Major and Controlling Barang Modal
12 Penghentian Sementara
Shareholders
Temporary Suspension Material Commitments for
13 Ikhtisar Obligasi dan Sukuk 174 Kronologi Pencatatan Saham Capital Expenditure
Bond and Sukuk Overview Share Listing Chronology 218 Realisasi Investasi Barang Modal
14 Penghargaan dan Sertifikasi 175 Kronologi Pencatatan Efek Lainnya Realized Capital Expenditure
Awards and Certifications Chronology of Listing of Other
220 Informasi dan Fakta Material
Securities
16 Peristiwa Penting yang Terjadi Setelah Tanggal
Event Highlights 176 Struktur Grup Perusahaan
Laporan Akuntansi
Company Group Structure
Material Facts and Information
177 Profil Entitas Anak dan Entitas Asosiasi
that Took Place After the
Laporan Manajemen Profile of Subsidiaries and Associates
Accounting Report Date
Management Report 180 Daftar Entitas Anak dan Asosiasi
220 Prospek Usaha
List of Subsidiaries and Associates
Business Prospects
180 Kantor Akuntan Publik
22 Laporan Dewan Pengawas Syariah Public Accounting Office
220 Perbandingan antara Target dan
Sharia Supervisory Board Report Realisasi serta Proyeksi 1 (Satu)
181 Nama dan Alamat Lembaga serta
28 Laporan Dewan Komisaris Profesi Penunjang Pasar Modal Tahun Mendatang
Board of Commissioners Report Name and Address of Capital Comparison between Target and
42 Laporan Direksi
Market Supporting Institutions and Realization as Well as Projections
Board of Directors Report in the Next 1 (One) Year
Professionals
60 Surat Pernyataan Dewan Komisaris
183 Informasi pada Website Perusahaan 221 Aspek Pemasaran
tentang Tanggung Jawab atas Laporan Marketing Aspect
Information on the Company Website
Tahunan 2021 PT Bank Muamalat 223 Dividen
Indonesia Tbk Dividend
Statement of the Board of Analisis dan Pembahasan 224 Kepatuhan Pembayaran Pajak
Commissioners regarding Tax Payment Compliance
Responsibility for the 2021 Annual
Manajemen 224 Program Kepemilikan Saham
Report of PT Bank Muamalat Management Discussion and Karyawan dan/atau Manajemen
Indonesia Tbk Analysis (ESOP/MSOP)
61 Surat Pernyataan Direksi tentang Employee and/or Management
Tanggung Jawab atas Laporan Tahunan 186 Tinjauan Ekonomi Share Ownership Program
2021 PT Bank Muamalat Indonesia Tbk Economic Overview (ESOP/MSOP)
Statement of the Board of Directors 188 Tinjauan Industri Perbankan 224 Informasi Material terkait dengan
regarding Responsibility for the 2021 Banking Industry Overview Investasi, Ekspansi, Divestasi,
Annual Report of PT Bank Muamalat 190 Tinjauan Posisi Bank Muamalat Akuisisi, dan Restrukturisasi
Indonesia Tbk Indonesia di Industri Perbankan Material Information related
Syariah to Investment, Expansion,
Overview of Bank Muamalat Indonesia Divestment, Acquisition, and
Profil Perusahaan Position in the Sharia Banking Industry Restructuring
Company Profile 191 Tinjauan Operasional 225 Realisasi Penggunaan Dana Hasil
Operational Overview Penawaran Umum
64 Identitas Perusahaan 193 Tinjauan Kinerja per Segmen Usaha Realization of the Use of
Company Identity Performance Overview per Business Proceeds from Public Offering
66 Riwayat Singkat Segment 225 Transaksi Material yang
History in Brief 193 Segmen Ritel Mengandung Benturan
69 Logo Perusahaan Retail Segment Kepentingan dan/atau Transaksi
Company Logo 197 Segmen Usaha Korporasi dan dengan Pihak Afiliasi/Berelasi
70 Jejak Langkah Komersial Material Transactions Containing
Milestones Corporate and Commercial Conflict of Interest and/or
72 Visi, Misi, dan Nilai Perusahaan Business Segment Transactions with Affiliated/
Vision, Mission, and Company Value 199 Segmen Perbankan Internasional Related Parties
74 Kegiatan Usaha International Banking Segment 228 Perubahan Peraturan
Business Activities 201 Segmen Treasury Perundang-Undangan yang
77 Produk dan Layanan Treasury Segment Berpengaruh terhadap
Product and Services 204 Tinjauan Kinerja Keuangan
Perusahaan
89 Wilayah Operasional Financial Performance Overview
Amendments to the Laws and
Operational Area 204 Aset
Regulations that Affect the
102 Peta Jaringan Bisnis dan Wilayah Assets
Company
Operasi 205 Liabilitas
230 Perubahan Kebijakan Akuntansi
Map of Business Network and Liabilities
207 Ekuitas Changes in Accounting Policy
Operating Areas 231 Informasi Kelangsungan Usaha
104 Struktur Organisasi Equity
208 Kinerja Laba-Rugi Business Continuity Information
Organization Structure
106 Komite Level Organisasi Income Statements
Board of Commissioners Level 210 Arus Kas Fungsi Penunjang Bisnis
Committees Cash Flow
211 Aset Produktif Business Support Function
107 Komite Level Direksi
Board of Directors Level Committees Productive Assets
108 Profil Dewan Pengawas Syariah 211 Rasio Kinerja 234 Sumber Daya Manusia
Profile of the Sharia Supervisory Board Performance Ratio Human Capital
114 Profil Dewan Komisaris 212 Rasio Kepatuhan 252 Teknologi Informasi
Profile of the Board of Commissionners Compliance Ratio Information Technology

259 Manajemen Risiko 451 Hubungan Afiliasi antara Anggota 577 Pemberian Dana untuk Kegiatan Sosial
Risk Management Direksi, Dewan Komisaris, dan dan Politik
259 Sistem Manajemen Risiko Pemegang Saham Utama dan/atau Provision of Funds for Social and
Risk Management System Pengendali Political Activities
263 Fokus Manajemen Risiko Tahun Affiliate Relationship between 577 Batas Maksimum Penyaluran Dana
2021 Members of the Board of Directors, the (BMPD)
Focus of Risk Management in Board of Commissioners, and Majority Legal Lending Limit (LLL)
2021 and/or Controlling Shareholders 578 Kebijakan Perlindungan Nasabah
264 Penerapan Manajemen Risiko 453 Kebijakan Pengungkapan Informasi Customer Protection Policy
Risk Management Kepemilikan Saham 578 Perlindungan Hak Kreditur
Implementation Policy on Disclosure of Information on Creditor Rights Protection
268 Kecukupan Kebijakan dan Share Ownership 579 Sistem Pelaporan Pelanggaran
Prosedur Manajemen Risiko serta 457 Penilaian Dewan Komisaris dan Direksi Whistleblowing System
Penetapan Limit Risiko Assessment of the Board of 581 Pendapatan Non-Halal dan
Adequacy of Risk Management Commissioners and the Board of Penggunaannya
Policies and Procedures and the Directors Non-Halal Income and Use
Establishment of Risk Limits 465 Nominasi dan Remunerasi Dewan
269 Kecukupan Proses Identifikasi, Pengawas Syariah, Dewan Komisaris, Tanggung Jawab Sosial
Pengukuran, Pemantauan, dan dan Direksi
Pengendalian Risiko serta Sistem Nomination and Remuneration of the
Perusahaan
Informasi Manajemen Risiko Sharia Supervisory Board, the Board Corporate Social
Adequacy of Risk Identification, of Commissioners, and the Board of Responsibility
Measurement, Monitoring, Directors
and Control and the Risk 485 Komite Audit
Management Information System
584 Komitmen Pelaksanaan Tanggung
Audit Committee Jawab Sosial Perusahaan
270 Sistem Pengendalian Internal 495 Komite Nominasi dan Remunerasi Corporate Social Responsibility
yang Menyeluruh Nomination and Remuneration
Implementation Commitment
Comprehensive Internal Control Committee
System 504 Komite Pemantau Risiko 593 Tanggung Jawab Sosial di Bidang
271 Efektivitas Sistem Manajemen Risk Oversight Committee Hak Asasi Manusia
Social Responsibility in the Field of
Risiko 515 Komite Tata Kelola Perusahaan
Effectiveness of the Risk Corporate Governance Committee Human Rights
Management System 520 Komite di Bawah Direksi 607 Tanggung Jawab Sosial di Bidang
273 Penerapan Manajemen Risiko Committees under the Board of Operasi yang Adil
Terintegrasi Directors Social Responsibility in the Field of
Implementation of Integrated 521 Komite Pengarah Teknologi Fair Operations
Risk Management Informasi 609 Tanggung Jawab Sosial di Bidang
273 Eksposur Permodalan dan Risiko Information Technology Steering Lingkungan Hidup
Pengungkapan Permodalan Committee Social Responsibility in the
Capital Exposure and Risk
524 Asset & Liability Committee Environmental Field
Disclosure
275 Pengelolaan Risiko Utama Bank
(ALCO) 603 Tanggung Jawab Sosial di Bidang
Asset & Liability Committee Ketenagakerjaan, Kesehatan, dan
Management of the Bank’s Major
(ALCO) Keselamatan Kerja
Risks
535 Komite Manajemen Risiko Social Responsibility in the Field of
Risk Management Committee Occupational Health and Safety
Tata Kelola Perusahaan 541 Komite Sumber Daya Manusia 608 Tanggung Jawab terhadap Nasabah
Corporate Governance Human Capital Committee Responsibility towards Customers
545 Sekretaris Perusahaan 612 Tanggung Jawab terhadap
345 Komitmen dan Kebijakan Penerapan Corporate Secretary Pengembangan Sosial dan
Good Corporate Governance 549 Satuan Kerja Audit Internal (SKAI) Kemasyarakatan
The Commitment and Policy of Good Internal Audit Work Unit (IAU) Responsibility towards Social and
Corporate Governance Implementation 551 Sistem Pengendalian Internal
Community Development
Internal Control System
352 Peningkatan Kualitas Good Corporate
Governance 554 Audit Eksternal
Quality Improvement of Good External Audit Laporan Keuangan 2021
Corporate Governance 555 Sistem Manajemen Risiko
2021 Financial Statements
Risk Management System
353 Penilaian Penerapan Good Corporate
555 Satuan Kerja Kepatuhan
Governance
Assessment of Good Corporate
Compliance Unit 616 Laporan Keuangan 2021
562 Anti Pencucian Uang dan Pencegahan 2021 Financial Statements
Governance Implementation
Pendanaan Terorisme (APU & PPT)
359 Penerapan atas Pedoman Tata Kelola
Anti Money Laundering and Counter
Perusahaan Terbuka
Implementation of Corporate
Financing of Terrorism (AML & CFT) Referensi Silang Laporan
Governance Guidelines for Public 564 Perkara Penting Tahunan 2021
Important Cases
Companies Annual Report Cross Reference
376 Struktur dan Mekanisme Corporate 565 Sanksi Administratif
2021
Administrative Sanction
Governance
Corporate Governance Structure and 565 Akses Informasi dan Data Perusahaan
Access to Company Data and
Mechanism
Information
787 Lampiran Surat Edaran Otoritas Jasa
Keuangan Republik Indonesia
378 Rapat Umum Pemegang Saham
569 Kode Etik Perusahaan No. 10/SEOJK.03/2020 tentang
General Meeting of Shareholders
Company Code of Conduct Transparansi dan Publikasi
402 Informasi Pemegang Saham Utama/
571 Kebijakan Anti Korupsi/Fraud dan Laporan Bank Umum Syariah dan Unit
Pengendali Usaha Syariah
Sosialisasinya
Information on the Majority/ Attachment Financial Services
Anti-Corruption/Fraud Policy and Its
Controlling Shareholders Authority Circular Letter No. 10/
Socialization
403 Dewan Pengawas Syariah
575 Pengendalian Gratifikasi SEOJK.03/2020 concerning
Sharia Supervisory Board Transparency and Publication of
Gratuity Control
415 Dewan Komisaris
575 Transparansi Kondisi Keuangan dan
Reports for Islamic Commercial Banks
Board of Commissioners and Sharia Business Units
Non-Keuangan
429 Komisaris Independen
Transparency of Company’s Financial 796 Referensi SEOJK No. 16/SEOJK.04/2021:
Independent Commissioners Laporan Tahunan Emiten atau
and Non-Financial Conditions Perusahaan Publik
433 Direksi
577 Pembeliaan Kembali Saham dan SEOJK Reference No. 16/
Board of Directors
Obligasi Bank Muamalat Indonesia SEOJK.04/2021: Annual Report of Public
Buyback of Shares and Bonds of Bank Company
Muamalat Indonesia 817 Kriteria Annual Report Awards
Annual Report Award Criteria

2021 Annual Report
01
Ikhtisar Kinerja 2021
2021 Performance Highlights
8 Ikhtisar Keuangan
11 Ikhtisar Saham
Stock Highlights
12 Aksi Korporasi
Corporate Actions
12 Penghentian Sementara
Temporary Suspension
13 Ikhtisar Obligasi dan Sukuk
Bond and Sukuk Overview
14 Penghargaan dan Sertifikasi
Awards and Certifications
16 Peristiwa Penting
Event Highlights
Ikhtisar Kinerja 2021 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
2021 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Ikhtisar Keuangan
(Rp miliar, kecuali dinyatakan lain) (Rp billion, except otherwise stated)
Uraian 2021 2020 2019 2018 2017 Description
Total Aset 58.899 51.241 50.556 57.227 61.697 Total Assets

Investasi pada Surat Berharga 26.936 12.185 11.348 12.200 3.826 Investments in Marketable
Securities
Pembiayaan 18.041 29.077 29.867 33.566 41.332 Financing
Giro 6.148 4.106 3.663 3.601 5.573 Demand Deposits
Tabungan 16.033 14.543 14.781 14.201 12.929 Savings
Deposito 24.689 22.776 21.913 27.834 30.185 Time Deposits
Dana Pihak Ketiga 46.871 41.425 40.357 45.305 48.686 Third-party Funds
Total Liabilitas 54.913 47.275 46.618 53.306 56.152 Total Liabilities
Total Ekuitas 3.986 3.967 3.937 3.922 5.545 Total Equity
Investasi pada Entitas Asosiasi- 347 408 408 6 30 Investments in Associates-Net
Neto
Jumlah Pendapatan Bank sebagai 2.140 2.432 2.780 3.220 3.710 Revenue From Fund
Mudharib Management by Bank as
Mudharib
Bagi Hasil Dana Syirkah (1.387) (1.610) (2.397) (2.242) (2.541) Share on Return of Temporary
Temporer Syirkah Funds
Hak Bagi Hasil Milik Bank 753 822 383 978 1.169 Bank’s Share in Profit Sharing
Pendapatan Operasional Lainnya 584 575 647 349 476 Other Operating Revenue
Beban Operasional Lainnya (1.326) (1.345) (1.550) (1.643) (1.614) Other Operating Expenses
Pembalikan (Beban) Cadangan (16) (64) 507 352 (8) Provision for (Reversal
Kerugian Penurunan Nilai Aset of) Impairment Losses of
Produktif dan Non Produktif Eearning and Non Eearning
Assets
Laba (Rugi) Usaha 19 16 20 69 43 Income (Loss) Operations
Pendapatan (Beban) Non (7) (1) 7 (23) 17 Non-Operating (Expense)- Net
Operasional-Neto
Laba sebelum Beban Pajak 13 15 26 46 60 Income Before Income Tax
Laba Bersih 9 10 16 46 26 Net Income
Jumlah Laba Komprehensif Lain 10 19 – – – Total Other Comprehensive
Bersih Setelah Pajak Income Net of Tax
Total Laba (Rugi) Komprehensif 20 30 16 41 249 Total Comprehensive Income
Periode Berjalan for the Year
Laba (Rugi) Periode Berjalan yang Income (Loss) for the Year
Dapat Diatribusikan kepada: Attributable to
• Pemilik Entitas Induk 9 10 16 46 26 Parent Entity Owner •
• Kepentingan Non Pengendali – – – – – Non-Controlling Interests •
Laba (Rugi) Komprehensif Comprehensive Income (Loss)
Periode Berjalan yang Dapat for the Year Attributable to:
Diatribusikan kepada:
• Pemilik Entitas Induk 19 10 16 46 26 Parent Entity Owner •
• Kepentingan Non Pengendali – – – – – Non-Controlling Interests •
Laba per Saham Dasar (Rp dalam 0,87 0,98 1,60 4,51 2,56 Basic Earnings per Share (Rp
nilai penuh) In full amount)

Fungsi Penunjang Bisnis Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan 2021
Business Support Function Corporate Governance Corporate Social Responsibility 2021 Financial Statements
Rasio Keuangan Penting

Important Financial Ratios
(dalam %, kecuali dinyatakan lain) (in %, except otherwise stated)
Uraian 2021 2020 2019 2018 2017 Description

Return on Assets (ROA) 0,02 0,03 0,05 0,08 0,11 Return on Assets (ROA)
Return on Equity (ROE) 0,20 0,29 0,45 1,16 0,87 Return on Equity (ROE)
Laba (Rugi) Usaha terhadap 0,35 0,33 0,48 1,30 0,62 Profit (Loss) toward Income
Pendapatan
Aset Lancar terhadap Total 12,99 7,93 7,22 11,83 13,53 Current Assets toward Total
Aset Assets
Rasio Liabilitas terhadap 1.377,52 1.191,79 1.184,05 1.359,26 1.012,58 Liabilities to Equity Ratio
Ekuitas
Rasio Liabilitas terhadap Aset 97,23 92,26 92,21 93,15 91,01 Liabilities to Assets Ratio
Rasio Kecukupan Modal 23,76 15,21 12,42 12,34 13,62 Capital Adequacy Ratio
Pembiayaan Bermasalah 0,08 3,95 4,30 2,58 2,75 Non Performing Financing Net
Bersih
Financing to Deposits Ratio 38,33 69,84 73,51 73,18 84,41 Financing to Deposits Ratio
Margin Pendapatan Bersih 1,59 1,94 0,83 2,22 2,48 Net Income Margin
Beban Operasional terhadap 99,29 99,45 99,50 98,24 97,68 Operating Expenses to
Pendapatan Operasional Operating Revenue
(BOPO)
Giro Wajib Minimum (GWM) 3,00 3,24 4,82 5,41 5,10 Statuary Reserves
Posisi Devisa Netto 0,15 0,15 0,21 0,40 0,21 Net Open Position
Cost to Income Ratio (CIR) 96,91 98,27 98,50 – – Cost to Income Ratio (CIR)
Persentase Pelampauan Batas Percentage of Exceeding
Maksimum Penyaluran Dana the Maximum Limit for
(BMPD) Distribution of Funds (MLDF)
• 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 •
Kewajiban Penyediaan Modal 23,76 15,21 12,42 12,34 13,62 Minimum Capital Adequacy
Minimum (KPMM) Requirement (MCAR)

2021 Annual Report
Total Aset Investasi pada Surat Berharga-Neto Total Dana Pihak Ketiga
Total Assets Investments in Marketable Securities Total Third-Party Fund
dalam miliar rupiah | in billion rupiah dalam miliar rupiah | in billion rupiah dalam miliar rupiah | in billion rupiah
58.899
26.936
46.871
61.697
57.227
50.556
51.241
12.200
11.348
12.185
48.686
45.305
40.357
41.425
3.826
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021
Beban Operasional terhadap

Pendapatan Operasional
Pembiayaan Bermasalah Bersih Rasio Kecukupan Modal Operating Expenses to Operating
Non-performing Financing Net Capital Adequacy Ratio Revenue
persentase (%) | percentage (%) persentase (%) | percentage (%) persentase (%) | percentage (%)
23,76
99,29
13,62
12,34
12,42
15,21
97,68
98,24
99,50
99,45
2,75
2,58
4,30
3,95
0,08
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021

Ikhtisar Saham
Stock Highlights
Hingga diterbitkannya laporan ini, ikhtisar saham Until the publication of this report, the stock highlights of
PT Bank Muamalat Indonesia Tbk adalah sebagai berikut: PT Bank Muamalat Indonesia Tbk is as follows:
Kepemilikan
Ownership
Jumlah Saham
Keterangan Jumlah Nominal Persentase Description
Number of Shares
Amount Percentage
(Rp) (%)
Modal Dasar Authorized Capital
Saham Seri A 826.649.175 165.329.835.000 1,0 Series A
(nilai nominal Rp200) (amount Rp200)
Saham Seri B 42.346.701.650 4.234.670.165.000 50,9 Series B
Saham Seri C 40.000.000.000 1.200.000.000.000 48.1 Series C
Jumlah 83.173.350.825 5.600.000.000.000 100,0 Demand Deposits
Modal Ditempatkan dan Issued and Fully Paid-up Capital
Disetor Penuh
Jumlah Saham Seri A 826.649.175 165.329.835.000 1,7 Total Series A
Jumlah Saham Seri B 9.381.053.160 938.105.316.000 18,7 Total Series B
Jumlah Saham Seri C 39.810.039.107 1.194.301.173.210 79,6 Total Series C
Jumlah 50.017.741.442 2.297.736.324.210 100,0 Total
Saham dalam Portepel Shares in Portfolio
Saham Seri A – – – Series A
Saham Seri B 32.965.648.490 3.296.564.849.000 99,4 Series B
Saham Seri C 189.960.893 5.698.826.790 0,6 Series C
Jumlah 33.155.609.389 3.302.263.675.790 100,0 Total
Saham Bank Muamalat Indonesia tidak diperjualbelikan di bursa efek dalam negeri maupun bursa efek internasional. Bank Muamalat Indonesia
telah mendapatkan izin sebagai Bank Devisa dan terdaftar sebagai perusahaan publik yang tidak listing di Bursa Efek Indonesia (BEI).
Shares of Bank Muamalat Indonesia are not traded on local or international stock exchanges. Bank Muamalat Indonesia has obtained a license
as a Foreign Exchange Bank and registered as a public company that is not listed on the Indonesia Stock Exchange (IDX).

2021 Annual Report
Aksi Korporasi
Corporate Actions
Perseroan telah menyelesaikan Penambahan Modal dengan The Company has completed the Capital Increase with
Hak Memesan Efek Terlebih Dahulu VI atau PMHMETD VI Pre-emptive Rights VI or PMHMETD VI which took place on
yang berlangsung pada tanggal 30 Desember 2021 sampai December 30, 2021 until the allotment of shares on January
dengan penjatahan saham tanggal 12 Januari 2022. Seluruh 12, 2022. All shares issued in PMHMETD VI amounted to
saham yang dikeluarkan dalam PMHMETD VI berjumlah 39,810,039,107 shares with an exercise price of Rp30 per
39.810.039.107 saham dengan harga pelaksanaan share, resulting in an increase in the Company’s issued and
Rp30 per lembar saham, sehingga terjadi peningkatan paid-up capital of Rp1,194,301,173,210.
modal ditempatkan dan disetor Perseroan sebesar
Rp1.194.301.173.210.
Penghentian Sementara
Temporary Suspension
Bank Muamalat ialah perusahaan publik yang sahamnya Bank Muamalat is a public company whose shares are
tidak listing di Bursa Efek Indonesia (BEI), sehingga informasi not listed on the Indonesia Stock Exchange (IDX), so that
mengenai hal ini tidak dapat disajikan. information on this matter cannot be presented.

Ikhtisar Obligasi dan Sukuk

Bond and Sukuk Overview
Hingga akhir tahun 2021, sukuk yang belum jatuh tempo Until the end of 2021, the sukuk that have not yet matured of
PT Bank Muamalat Indonesia Tbk adalah sebagai berikut: PT Bank Muamalat Indonesia Tbk is as follows:
Nisbah Pemegang
Efek (%)
Nama Efek Nilai Pokok (Rp) Jatuh Tempo Peringkat Efek
Pre-determined
Name of Securities Principal Value (Rp) Maturity Securities Rating
Ratio of Securities
Holders (%)
Sukuk Mudharabah 1.600.000.000.000 – 29 Juni 2038 Non-rating
Trust Certificate June 29, 2038
Medium Term Notes 100.000.000.000 23,75 21 Juli 2022 Non-rating
Syariah Subordinasi July 21, 2022
Sukuk Mudharabah Bank 2.440.856.000.000 50,72 15 November 2041 Non-rating
Muamalat Indonesia 2021 November 15, 2041

2021 Annual Report
Penghargaan dan Sertifikasi

Awards and Certifications
Penghargaan
Awards
9 Februari 2021 3 Juni 2021 1

1. Infobank 4th Satisfaction Loyalty Enggagement 1. Infobank 10th Digital Brand
Awards 2021 – 1st Rank-SLE Index 2021-category Awards 2021 – 1st Rank Bank
Islamic Commercial Bank Umum Syariah Buku 2
Awards 2021 – 1st Rank-Loyalty-category Islamic Awards 2021 – 1st Rank Bank
Commercial Bank -Tabungan IB Muamalat kategori
3. Infobank 4th Satisfaction Loyalty Enggagement Bank Umum Syariah Buku 2
Awards 2021 – 1st Rank-Engagement-category 3. Infobank 10th Digital Brand
Islamic Commercial Bank Awards 2021 – 1st Rank Share
4. Infobank 4th Satisfaction Loyalty Enggagement Debit Bank Muamalat kategori
Awards 2021 – 1st Rank-Satisfaction (Mobile Bank Umum Syariah Buku 2
Banking)-category Islamic Commercial Bank 2
June 3, 2021
February 9, 2021 1. Infobank 10th Digital Brand
1. Infobank 4th Satisfaction Loyalty Enggagement Awards 2021 – 1st Rank Islamic
Awards 2021 – 1st Rank-SLE Index 2021-category Commercial Bank Book 2
Islamic Commercial Bank 2. Infobank 10th Digital Brand
2. Infobank 4th Satisfaction Loyalty Enggagement Awards 2021 – 1st Rank IB
Awards 2021 – 1st Rank-Loyalty-category Islamic Muamalat Savings category
Commercial Bank Islamic Commercial Bank Book 2
Awards 2021 – 1st Rank-Engagement-category Awards 2021 – 1st Rank Share
Islamic Commercial Bank Debit Bank Muamalat category
3
4. Infobank 4th Satisfaction Loyalty Enggagement Islamic Commercial Bank Book 2
Awards 2021 – 1st Rank-Satisfaction (Mobile
Banking)-category Islamic Commercial Bank
1 2
3 4
11 Juni 2021
1st The Best Informative Website
2021 Indonesia Corporate
Secretary & Corporate
Communication Award -VI-2021,
Category: Sharia Bank – Public
Company (TBK).
June 11, 2021

1st The Best Informative Website
2021 Indonesia Corporate
Secretary & Corporate
Communication Award -VI-2021,
Category: Sharia Bank – Public
Company (TBK).
Mei 2021
PT Bank Muamalat Indonesia Tbk masuk dalam
jajaran bank terbaik dunia (World’s Best Banks
2021) versi Majalah Forbes.
May 2021
PT Bank Muamalat Indonesia Tbk is included in
the ranks of the world’s best banks (World’s Best
Banks 2021) according to Forbes Magazine

29 Juni 2021 8 Desember 2021

1. Infobank 18th Banking Service Anugerah Syariah Republika 2021 – Inovasi Digital
Excellence Awards 2021 - 1st Terbaik
Best Sosial Media for Shariah
Commercial Bank (Infobank & December 8, 2021
Marketing Research Indonesia) Republika Syariah Award 2021 – The Best Digital
2. Infobank 18th Banking Service Innovation
Excellence Awards 2021- 3rd Best
Overall Plus Digital for Shariah
Commercial Bank (Infobank &
Marketing Research Indonesia)
3. Infobank 18th Banking Service
Excellence Awards 2021- 3rd
Best Overall Walk-In Channel
for Shariah Commercial bank
(Infobank & Marketing Research
Indonesia)
1
June 29, 2021

1. Infobank 18th Banking Service
Excellence Awards 2021 - 1st
Best Sosial Media for Shariah
Commercial Bank (Infobank &
Marketing Research Indonesia)
2. Infobank 18th Banking Service 9 Desember 2021
Excellence Awards 2021- 3rd Best Top Mobile Application Award 2021 untuk kategori
Overall Plus Digital for Shariah Aplikasi Mobile Banking Syariah (TRAS N CO
Commercial Bank (Infobank & Indonesia dan infobrand.id)
Marketing Research Indonesia) 2
3. Infobank 18th Banking Service December 9, 2021
Excellence Awards 2021- 3rd Top Mobile Application Award 2021 untuk kategori
Best Overall Walk-In Channel Aplikasi Mobile Banking Syariah (TRAS N CO
for Shariah Commercial bank Indonesia dan infobrand.id)
(Infobank & Marketing Research
Indonesia)
15 Desember 2021
Top 100 CEO Award – Bankers of The Year 2021
(Infobank)
December 15, 2021

Top 100 CEO Award – Bankers of The Year 2021
(Infobank)
17 September 2021
The Best Human Capital –
Platinum Award Kategori Public
Company
September 17, 2021

The Best Human Capital –
Platinum Award for Public
Company Category

2021 Annual Report
Peristiwa Penting
Event Highlights
28
Januari
January
29
Peluncuran Fitur QR Code Aplikasi Muamalat DIN (Digital Islamic
Network)
April
PT Bank Muamalat Indonesia Tbk menyematkan fitur Quick Response
April
(QR) Code atau kode respons cepat pada aplikasi mobile banking
Muamalat DIN. Fitur ini diluncurkan secara virtual. QR Code Muamalat
DIN terhubung dengan Quick Response Code Indonesian Standard
(QRIS) yang merupakan standardisasi pembayaran menggunakan
QR Code dari Bank Indonesia. Bank Muamalat bekerja sama dengan
PT Artajasa Pembayaran Elektronis (ATM Bersama) selaku lembaga
switching.
Launching the QR Code Feature for the Muamalat DIN Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
Application (Digital Islamic Network) Rapat Umum Pemegang Saham Tahunan dan Luar Biasa PT Bank
PT Bank Muamalat Indonesia Tbk embeds the Quick Response (QR) Muamalat Indonesia Tbk digelar di Ballroom, Muamalat Tower,
Code feature or fast response code in the Muamalat DIN mobile Jakarta.
banking application. This feature was launched virtually. The QR
Code Muamalat DIN is connected to the Quick Response Code Annual and Extraordinary General Meeting of Shareholders
Indonesian Standard (QRIS) which is standardization of payments The Annual and Extraordinary General Meeting of Shareholders
using a QR Code from Bank Indonesia. Bank Muamalat cooperates of PT Bank Muamalat Indonesia Tbk was held at the Ballroom of
with PT Artajasa Electronic Payments (ATM Bersama) as a switching Muamalat Tower in Jakarta.
agency.
28
24 Mei
May
Februari
February
Bank Muamalat Masuk Jajaran Bank Terbaik Dunia Versi Forbes

PT Bank Muamalat Indonesia Tbk masuk dalam jajaran bank terbaik
Bank Muamalat Gandeng Rumah Sakit Bunda Group Hadirkan dunia (World’s Best Banks 2021) versi Majalah Forbes. Sekitar 500
Aa Gym di Milad Muamalat Prioritas bank di seluruh dunia masuk seleksi konsumen sebagai bank terbaik
PT Bank Muamalat Indonesia Tbk merayakan peringatan milad ke-4 dunia di mana Indonesia menempatkan 20 bank dalam daftar
Muamalat Prioritas dengan menggelar webinar edukasi kesehatan tersebut.
dengan tema “Ikhtiar Survive dari COVID-19 dan Seluk Beluk Vaksinasi”.
Kegiatan yang menggandeng RS Bunda Group ini menghadirkan KH Bank Muamalat is included in the Forbes World’s Best Bank
Abdullah Gymnastiar (Aa Gym) dan Dokter Spesialis Paru RSU Bunda Rankings
Jakarta dr. Fariz Nurwidya, Ph.D, Sp.P, FAPSR. Masih dalam rangkaian PT Bank Muamalat Indonesia Tbk is included in the ranks of the world’s
peringatan Milad, Bank Muamalat dan RS Bunda Group bekerja sama best banks (World’s Best Banks 2021) according to Forbes Magazine.
memberikan meningkatkan layanan Medical Concierge bagi para Around 500 banks around the world entered the consumer selection
nasabah Muamalat Prioritas. as the world’s best banks where Indonesia placed 20 banks on the list.
Bank Muamalat Collaborates with Bunda Group Hospital to

Present Aa Gym at Priority Muamalat Milad
PT Bank Muamalat Indonesia Tbk celebrated the 4th anniversary of
Muamalat Prioritas by holding a health education webinar with the
theme “Efforts to Survive from COVID-19 and the Ins and Outs of
Vaccination”. This activity in collaboration with Bunda Group Hospital
presented KH Abdullah Gymnastiar (Aa Gym) and Lung Specialist at
RSU Bunda Jakarta, dr. Fariz Nurwidya, Ph.D, Sp.P, FAPSR. Still, in the
series of anniversary celebrations, Bank Muamalat and Bunda Group
Hospital are working together to improve Medical Concierge services
for Priority Muamalat customers.

9
Juni
June
30
Agustus
Bank Muamalat bersama Asuransi Sompo Perkuat Industri August
Keuangan Syariah
Dalam rangka mengembangkan industri ekonomi syariah, PT Sompo
Insurance Indonesia (Asuransi Sompo) mengumumkan kerja sama
dengan PT Bank Muamalat Indonesia Tbk yang dihadiri oleh Chief
Wholesale Banking Officer Bank Muamalat Irvan Yulian Noor dan CEO
PT Sompo Insurance Indonesia, Eric Nemitz. Layanan ini bertujuan
untuk menghadirkan layanan produk bancassurance yang dapat
memberikan nilai tambah bagi nasabah Bank Muamalat Indonesia.
Bank Muamalat together with Sompo Insurance Strengthen the Rapat Umum Pemegang Saham Luar Biasa
Islamic Finance Industry PT Bank Muamalat Indonesia Tbk menggelar Rapat Umum Pemegang
In order to develop the sharia economy industry, PT Sompo Insurance Saham Luar Biasa di Ballroom, Muamalat Tower Jakarta.
Indonesia (Sompo Insurance) announced a collaboration with
PT Bank Muamalat Indonesia Tbk, which was attended by the Chief Extraordinary General Meeting of Shareholders
Wholesale Banking Officer of Bank Muamalat Irvan Yulian Noor and PT Bank Muamalat Indonesia Tbk held an Extraordinary General
CEO of PT Sompo Insurance Indonesia, Eric Nemitz. This service aims Meeting of Shareholders at the Ballroom in Muamalat Tower in
to provide bancassurance product services that can provide added Jakarta.
value for Bank Muamalat Indonesia customers.
15
15-18 September
Juli September
July
Penandatanganan Perjanjian Induk Pengelolaan Aset

Vaksinasi Gratis untuk Karyawan dan Masyarakat Umum PT Perusahaan Pengelola Aset (PPA) dengan dukungan dari
PT Bank Muamalat Indonesia Tbk menggelar vaksinasi gratis Kementerian Badan Usaha Milik Negara (BUMN) melakukan
COVID-19 untuk karyawan, keluarga karyawan dan masyarakat pengelolaan aset berkualitas rendah milik PT Bank Muamalat
umum. Vaksinasi dilaksanakan di Mall Kuningan City bekerja sama Indonesia Tbk. Atas hal tersebut, PT PPA bersama Bank Muamalat
dengan Yayasan Killcovid-19 dan Dinas Kesehatan Pemerintah dan Badan Pengelola Keuangan Haji (BPKH) menandatangani Master
Provinsi DKI Jakarta. Program ini mendapat apresiasi dari Gubernur Restructuring Agreement (MRA).
DKI Anies Baswedan.
Seremoni penandatanganan MRA dilakukan antara Direktur
Free Vaccination for Employees and the General Public Utama PT PPA Yadi Jaya Ruchandi, Anggota Badan Pelaksana BPKH
PT Bank Muamalat Indonesia Tbk held a free COVID-19 vaccination A. Iskandar Zulkarnain, dan Direktur Utama Bank Muamalat Achmad
for employees, employees’ families, and the general public. The K. Permana yang disaksikan secara langsung oleh Menteri BUMN
vaccination will be held at the Kuningan City Mall in collaboration Erick Thohir di Gedung Kementerian BUMN, Jakarta.
with the Killcovid-19 Foundation and the DKI Jakarta Provincial
Government Health Office. This program received appreciation from Signing of Master Restructuring Agreement
the Governor of DKI Anies Baswedan. PT Perusahaan Pengelola Asset (PPA) with support from the Ministry
of State-Owned Enterprises (BUMN) manages the low-quality assets
of PT Bank Muamalat Indonesia Tbk. For this, PT PPA together with
Bank Muamalat and the Hajj Financial Management Agency (BPKH)
signed a Master Restructuring Agreement (MRA).
The MRA signing ceremony was held between PT PPA President

Director Yadi Jaya Ruchandi, BPKH Implementing Body Member
A. Iskandar Zulkarnain, and Bank Muamalat President Director
Achmad K. Permana witnessed directly by SOE Minister Erick Thohir
at the SOE Ministry Building, Jakarta.

2021 Annual Report
8
Desember
December
Anugerah Syariah Republika 2021

22 Inovasi digital yang dilakukan oleh PT Bank Muamalat Indonesia
Oktober Tbk melalui aplikasi mobile banking Muamalat Digital Islamic Network
(DIN) mendapatkan apresiasi. Bank Muamalat diganjar penghargaan
October sebagai bank syariah dengan inovasi digital terbaik dalam ajang
Anugerah Syariah Republika 2021 yang dilaksanakan secara virtual.
Republika Syariah Award 2021

The digital innovation carried out by PT Bank Muamalat Indonesia
Tbk through the Muamalat Digital Islamic Network (DIN) mobile
banking application received appreciation. Bank Muamalat was
awarded an award as a sharia bank with the best digital innovation at
the Anugerah Syariah Republika 2021 event which was held virtually.
Bank Muamalat Indonesia Mendukung Transformasi Digital
Proses Pelayanan Rumah Sakit di Indonesia
Bank Muamalat dan Zi.Care berkolaborasi untuk mewujudkan akses
layanan yang lebih baik dan mudah dijangkau dengan kegiatan 14
ekspansi pasar secara bersama, serta menyediakan solusi jasa
keuangan yang terintegrasi bagi rumah sakit, klinik, dan fasilitas
Desember
kesehatan yang akan dan sudah menjadi rekanan Zi.Care. December
Bank Muamalat Indonesia to Support the Digital
Transformation of Hospital Service Processes in Indonesia
Bank Muamalat and Zi.Care collaborate to create better and more
accessible services through joint market expansion activities, as well
as providing integrated financial solutions for hospitals, clinics, and
health facilities that will and have become Zi.Care partners.
TOP 100 CEO dan Bankers of the Years

15 Direktur Utama Bank Muamalat Achmad Kusna Permana terpilih
November sebagai Banker of the Year 2021 versi majalah Infobank. Penyerahan
award dilakukan di Hotel Shangri-La Jakarta. Penghargaan Banker of
November the Year 2021 tersebut merupakan bagian dari Top 100 CEO 2021,
yaitu ajang pemberian apresiasi kepada 100 pemimpin di lembaga
keuangan di Indonesia.
TOP 100 CEO and Bankers of the Years

President Director of Bank Muamalat, Achmad Kusna Permana was
selected as Banker of the Year 2021 according to Infobank magazine.
The award presentation was held at the Shangri-La Hotel, Jakarta. The
2021 Banker of the Year award is part of the 2021 Top 100 CEO, which
is an event to give appreciation to 100 leaders in financial institutions
Hibah Saham
in Indonesia.
Pemegang saham mayoritas Bank Muamalat resmi beralih dari
Islamic Development Bank (IsDB) kepada Badan Pengelola Keuangan
Haji (BPKH) lewat skema transaksi hibah saham. Dengan demikian,
BPKH memiliki 78,45% saham Perseroan sekaligus bertindak sebagai
Pemegang Saham Pengendali (PSP). Penandatanganan hibah saham
dilaksanakan di Muamalat Tower pada tanggal 15 November 2021
dan kantor pusat BPKH pada tanggal 16 November 2021.
Share Grant
The majority shareholder of Bank Muamalat has officially changed
from the Islamic Development Bank (IsDB) to the Hajj Financial
Management Agency (BPKH) through a share grant transaction
scheme. Thus, BPKH owns 78.45% of the Company’s shares and acts
as the Controlling Shareholder (PSP). The signing of the share grant
was held at Muamalat Tower on November 15, 2021, and the head
office of BPKH on November 16, 2021.


2021 Annual Report
Laporan Manajemen
Management Report
22 Laporan Dewan Pengawas Syariah

Sharia Supervisory Board Report
28 Laporan Dewan Komisaris
Board of Commissioners Report
42 Laporan Direksi
Board of Directors Report
60 Surat Pernyataan Dewan Komisaris tentang Tanggung
Jawab atas Laporan Tahunan 2021 PT Bank Muamalat
Indonesia Tbk
Statement of the Board of Commissioners regarding
Responsibility for the 2021 Annual Report of PT Bank
Muamalat Indonesia Tbk
61 Surat Pernyataan Direksi tentang Tanggung Jawab
atas Laporan Tahunan 2021 PT Bank Muamalat
Indonesia Tbk
Statement of the Board of Directors regarding
Responsibility for the 2021 Annual Report of PT Bank
Drs. H. Sholahudin Al-Aiyub, M.Si

Ketua Dewan Pengawas Syariah
Chairman of the Sharia Supervisory Board

Laporan Dewan Pengawas Syariah

Sharia Supervisory Board Report
Dewan Pengawas Syariah sangat mengapresiasi seluruh

jajaran manajemen yang secara aktif dan responsif
melakukan langkah penguatan pada PT Bank Muamalat
Indonesia Tbk melalui peningkatan dalam proses bisnis,
permodalan serta tata kelola yang baik.
The Sharia Supervisory Board appreciates the active and responsive initiatives at
all management levels at strengthening PT Bank Muamalat Indonesia Tbk through
improvements in business processes, capital, and good governance.
Assalamualaikum Warohmatullahi Wabarokatuh

Bismillaahirrohmaanirrohiim
Alhamdulillaahi Rabbil ‘Aalamin, Wa Shalatu Wa Salamu ‘Ala Nabiyyina Muhammad,

Wa ‘Ala Aalihi Wa Shahbihi Wa Sallam, Amma Ba’du.
Para Pemegang Saham dan Pemangku Kepentingan Esteemed Shareholders and Stakeholders,
yang Terhormat,
Puji dan syukur kita panjatkan kehadirat Allah Subhanahu Praise and gratitude to Allah Subhanahu Wa Ta’ala for His
Wa Ta’ala atas rahmat dan karunia-Nya yang telah diberikan mercy and grace are given to all of us. Greetings also for
kepada kita semua. Shalawat serta salam semoga tercurah the Prophet Muhammad SAW, along with all his family and
untuk Baginda Rasulullah SAW, beserta seluruh keluarga relatives.
dan kerabatnya.
Dalam kesempatan ini, izinkan kami menyampaikan laporan On behalf of the Sharia Supervisory Board (DPS), allow us
atas tugas dan fungsi Dewan Pengawas Syariah (DPS) untuk to submit the report on the duties and functions of the DPS
tahun buku 2021, sesuai dengan ketentuan regulasi. Kami for the 2021 financial year, in accordance with regulatory
menyadari, pada tahun tersebut perekonomian masih provisions. We are aware that in that year the economy
bergerak dinamis, sehingga mendorong Bank untuk semakin was still moving dynamically, thus encouraging the Bank
berhati-hati dalam menentukan langkah bisnis. Kendati to be more careful in determining business initiatives.
demikian, Dewan Pengawas Syariah sangat mengapresiasi Nevertheless, the Sharia Supervisory Board appreciates the
seluruh jajaran manajemen yang secara aktif dan responsif active and responsive initiatives at all management levels
melakukan langkah penguatan pada PT Bank Muamalat at strengthening PT Bank Muamalat Indonesia Tbk through
Indonesia Tbk melalui peningkatan dalam proses bisnis, improvements in business processes, capital, and good
permodalan serta tata kelola yang baik. governance.

2021 Annual Report
Dewan Pengawas Syariah telah mengadakan rapat dan In carrying out its duties and responsibilities, the Sharia
koordinasi/komunikasi yang baik secara berkala dengan Supervisory Board held regular meetings and coordination/
Dewan Komisaris dan Direksi dalam rangka menentukan communication with the Board of Commissioners and the
strategi yang tepat untuk mendorong pengembangan bisnis Board of Directors in order to determine the right strategy to
Bank Muamalat. facilitate Bank Muamalat’s business development.
FOKUS 2021 FOCUS IN 2021

Pada tahun 2021, fokus pengawasan dilakukan terhadap In 2021, supervision is focused on aspects of compliance
aspek kepatuhan prinsip syariah secara lebih komprehensif. with sharia principles in a more comprehensive manner. The
Tujuannya agar pelaksanaan prinsip syariah pada produk goal is to ensure that the implementation of sharia principles
dan layanan jasa di Bank Muamalat dapat dilakukan dengan in products and services at Bank Muamalat can be carried
baik. out properly.
Kami berpandangan, masih terdapat beberapa aspek It is our view that the actual implementation of sharia
dalam pelaksanaan di lapangan yang perlu ditingkatkan principles still left some areas in need of improvement
dan disempurnakan. Sedangkan untuk yang telah berjalan and enhancement. Meanwhile, other areas that have been
dengan baik, harus terus dipertahankan, sehingga Bank carried out properly need to be maintained, so that Bank
Muamalat Indonesia dapat terus tumbuh berkembang dari Muamalat Indonesia can continue to grow in terms of its
sisi bisnisnya, dengan tetap menjaga koridor kesyariahannya. business while staying within the sharia corridor.
Pada tahun 2021, Dewan Pengawas Syariah memberikan In 2021, the Sharia Supervisory Board focuses its attention
fokus perhatian terhadap operasional Bank Muamalat, yang on the operations of Bank Muamalat related to the following:
antara lain terkait dengan:
• Penyempurnaan pada kebijakan dan proses transaksi • Improvements to policies and transaction processes
yang dilakukan oleh Bank dalam rangka memenuhi carried out by the Bank in order to comply with sharia
prinsip-prinsip syariah. principles.
• Pengembangan pada perangkat analisa dan pengawasan • Development of analytical tools and supervision of
terhadap aspek syariah agar dapat memberikan sharia aspects in order to provide appropriate and
masukan-masukan yang tepat dan implementatif implementable inputs to the Bank’s management.
kepada manajemen Bank.
• Peningkatan skill & knowledge seluruh seluruh jajaran • Improvement of skills and knowledge of all employees
karyawan pada segala level dalam hal pengetahuan at all levels in terms of knowledge of Islamic banking
tentang produk/aktivitas dan layanan perbankan syariah, products/activities and services, both conceptually and
baik secara konsep maupun implementasi. in implementation.
• Fokus pada service excellent untuk menjaga dan • Focus on service excellence to maintain and improve
meningkatkan competitiveness khususnya di dunia competitiveness, especially in the Islamic banking
perbankan syariah, terlebih dengan adanya pandemi industry, and with the COVID-19 pandemic.
COVID-19.

REALISASI KEGIATAN DEWAN PENGAWAS ACTIVITIES OF THE SHARIA SUPERVISORY

SYARIAH BOARD
Sebagai upaya menjaga realisasi kegiatan usaha Bank In the effort to maintain the implementation of Bank
Muamalat sesuai dengan prinsip-prinsip syariah dan Muamalat’s business activities in accordance with sharia
regulasi terkait, sepanjang 2021 Dewan Pengawas Syariah principles and related regulations, the Sharia Supervisory
telah menjalankan tugas pengawasan atas kepatuhan Board throughout 2021 has carried out supervisory duties
prinsip syariah di Bank, baik terkait skema produk, kebijakan on sharia compliance in the Bank, both related to product,
ataupun implementasi serta operasional lainnya di Bank policies, or implementation as well as other operations at
yang berkaitan dengan aspek syariah. the Bank related to sharia aspects.
Kami senantiasa memastikan kesesuaian syariah terhadap We always ensure the sharia conformity of a product with
produk dengan adanya opini syariah dari Dewan Pengawas the sharia opinion from the Sharia Supervisory Board before
Syariah sebelum produk dikeluarkan. Dewan Pengawas the product is issued. The Sharia Supervisory Board also
Syariah juga melakukan review terhadap Standard Operating reviews the Standard Operating Procedure (SOP), contract
Procedure (SOP), dokumen akad, dan hal-hal lain yang documents, and other matters related to the product.
berhubungan dengan produk tersebut. Adapun untuk Meanwhile, to ensure compliance at the implementation
memastikan kepatuhan dalam tataran implementasi, Dewan level, the Sharia Supervisory Board conducts sampling tests
Pengawas Syariah melakukan uji petik di beberapa kantor at several branch offices in rotation.
cabang secara bergiliran.
Untuk melengkapi fungsi dan tanggung jawabnya, Dewan In carrying out its functions and responsibilities, the Sharia
Pengawas Syariah melakukan rapat rutin setiap bulan. Supervisory Board holds regular monthly meetings. In
Selain itu, Dewan Pengawas Syariah telah melakukan addition, the Sharia Supervisory Board has carried out a
uji petik terhadap kegiatan operasional penyaluran dan sampling test on operational activities in the distribution and
penghimpunan dana, sharing knowledge, serta pemberian collection of funds, sharing knowledge, and providing advice.
nasihat.
Dewan Pengawas Syariah berharap agar jajaran manajemen The Sharia Supervisory Board hopes that the management
dapat melakukan tindak lanjut terhadap hal-hal yang can follow up on issues that need to be undertaken in order
perlu dilakukan dalam rangka meningkatkan pemahaman to increase the comprehension of sharia aspects for all Bank
terhadap aspek syariah bagi seluruh karyawan Bank, employees, process improvements, and implementation
penyempurnaan proses dan implementasi dari aspek-aspek of sharia aspects. This is part of the implementation of the
syariah. Hal tersebut merupakan bagian dari pelaksanaan prudent principle and compliance, especially with respect to
prinsip kehati-hatian dan kepatuhan khususnya terhadap sharia provisions and good corporate governance.
ketentuan syariah serta tata kelola perusahaan yang baik.
Ke depan, Dewan Pengawas Syariah berharap agar Bank Going forward, the Sharia Supervisory Board hopes that
Muamalat Indonesia dapat tumbuh dan berkembang di Bank Muamalat Indonesia can grow and develop in various
berbagai segi, baik dari sisi pendapatan, kinerja, layanan, aspects, in terms of income and performance as well as
produk bisa terjaga sesuai dengan tuntutan profesionalisme products and services that can be maintained in accordance
dalam kerangka implementasi prinsip syariah secara with the demands of professionalism within the framework
komprehensif pada seluruh rangkaian kinerja Bank. of comprehensive implementation of sharia principles in the
entire scope of Bank performance.

2021 Annual Report
PERUBAHAN KOMPOSISI DEWAN CHANGES IN SHARIA SUPERVISORY

PENGAWAS SYARIAH BOARD COMPOSITION
Pada tahun buku 2021, terdapat perubahan komposisi In the 2021 fiscal year, there was a change in the composition
Dewan Pengawas Syariah Bank Muamalat Indonesia sesuai of the Sharia Supervisory Board of Bank Muamalat Indonesia
dengan keputusan Rapat Umum Pemegang Saham Luar in accordance with the decision of the Extraordinary General
Biasa tanggal 30 Agustus 2021, yakni dengan bertambahnya Meeting of Shareholders on August 30, 2021, with the
satu anggota Dewan Pengawas Syariah yaitu Bapak Agung addition of one member of the Sharia Supervisory Board,
Danarto. Perubahan komposisi tersebut diharapkan dapat namely Mr. Agung Danarto. The change is expected to
menunjang tuntutan profesionalisme modern dalam support the demands of modern professionalism within
kerangka implementasi prinsip syariah secara komprehensif the framework of comprehensive implementation of sharia
pada pelayanan jasa keuangan dan finansial. principles in the provision of financial services.
Adapun komposisi Dewan Pengawas Syariah Bank per 31 As of December 31, 2021, the composition of the DPS is as
Desember 2021 ialah: follows:
Ketua Drs. H. Sholahudin Al-Aiyub, M.Si Chairman

Anggota Hj. Siti Haniatunnisa, LLB., MH Member
Anggota Dr. H. Agung Danarto, M.Ag*) Member
Efektif setelah memperoleh persetujuan dari OJK
*)
Effective after obtaining approval from FSA
APRESIASI WORDS OF APPRECIATION

Atas pencapaian kinerja tahun 2021, Dewan Pengawas For all the achievements in 2021, the Sharia Supervisory
Syariah memberikan apresiasi yang sangat tinggi kepada Board gives very high appreciation to all levels of the Bank’s
seluruh jajaran manajemen Bank. Bagi Dewan Pengawas management. The Sharia Supervisory Board believes
Syariah, manajemen telah berupaya keras dalam that management has made great efforts in optimizing
mengoptimalkan kemampuan serta kekuatan Bank untuk the Bank’s capabilities and strengths to produce good
menghasilkan kinerja yang baik yang didukung dengan performance supported by good corporate governance.
tata kelola perusahaan yang baik. Semoga, hal-hal tersebut Hopefully, these can encourage and strengthen Bank
dapat mendorong dan kian mengukuhkan komitmen Bank Muamalat’s commitment to maintaining the fulfillment of
Muamalat dalam menjaga pemenuhan prinsip-prinsip sharia principles and compliance with applicable laws and
syariah serta kepatuhan atas peraturan perundang- regulations.
undangan yang berlaku.
Mudah-mudahan atas segala upaya yang telah kami jalankan Hopefully, for all the efforts that we have carried out, we will
mendapat ridha dan pertolongan Allah SWT. Semoga taufik, receive the blessing and help of Allah SWT. May His wisdom
hidayah, serta inayah-Nya selalu menyertai kita semua untuk and guidance always be with us all in all our endeavours in
dapat mencapai kesuksesan di dunia maupun di akhirat this world and the hereafter.
kelak.
Wassalamualaikum Warohmatullahi Wabarokatuh. Wassalamualaikum Warohmatullahi Wabarokatuh.
Jakarta, 28 April 2022
Drs. H. Sholahudin Al-Aiyub, M.Si

Chairman, Sharia Supervisory Board

Dewan Pengawas Syariah

Sharia Supervisory Board
Drs. H. Sholahudin Al-Aiyub, M.Si Hj. Siti Haniatunnisa, LLB., MH Dr. H. Agung Danarto, M.Ag*)
Ketua Anggota Anggota
Chairman Member Member

*)

2021 Annual Report
Ilham A. Habibie
Komisaris Utama/Komisaris Independen
President Commissioner/Independent Commissioner

Laporan Dewan Komisaris

Board of Commissioners Report
Dewan Komisaris menilai, pencapaian Bank Muamalat yang

baik pada tahun 2021 tidak dapat dipisahkan dari strategi
yang diterapkan oleh manajemen dalam merespons situasi
yang dinamis. Seluruh lini organisasi telah menjalankan
tugasnya dan Direksi melaksanakan peran serta fungsinya
dengan baik.
The Board of Commissioners believes that Bank Muamalat’s good performance in 2021
cannot be separated from the strategy implemented by the management in responding
to dynamic situations. All lines of the organization have carried out their duties well and
the members of the Board of Directors have carried out their roles and functions well.


Para Pemegang Saham dan Pemangku Kepentingan Dear Distinguished Shareholders and Stakeholders,
yang Terhormat,
Berkat nikmat dan karunia Allah SWT, PT Bank Muamalat We are grateful for the blessings and grace of Allah SWT,
Indonesia Tbk (“BMI”, “Bank”) mampu melewati tahun which allowed PT Bank Muamalat Indonesia Tbk (“BMI”,
2021 dengan baik. Bukan hanya Bank mampu bertahan “Bank”) to successfully navigate 2021. Not only was the Bank
di tengah suasana eksternal yang dinamis, baik dari aspek able to survive the external social and economic conditions,
sosial maupun ekonomi, tetapi juga Bank mampu meraih but also recorded positive achievements.
pencapaian yang positif.
Pada kesempatan ini, izinkan kami menguraikan pandangan We would like to take this opportunity to outline the views
Dewan Komisaris atas kinerja Bank selama tahun 2021 serta of the Board of Commissioners on the Bank’s performance
kinerja Direksi dalam mengelola Bank Muamalat Indonesia. throughout 2021 and the performance of the Board of
Hal ini merupakan mandat dari regulasi, yang antara lain Directors in managing Bank Muamalat Indonesia. This
tertuang dalam Undang-Undang Nomor 40 tahun 2007 is a regulatory mandate under Law Number 40 of 2007
tentang Perseroan Terbatas dan Peraturan Otoritas Jasa concerning Limited Liability Companies and the Financial
Keuangan (OJK) Nomor 33/POJK.04/2014 tentang Direksi dan Services Authority (FSA) Regulation Number 33/POJK.04/2014
Dewan Komisaris Emiten atau Perusahaan Publik. Peraturan concerning the Board of Directors and the Board of
perundang-undangan tersebut menegaskan tentang tugas Commissioners of Issuers or Public Companies. These laws
Dewan Komisaris untuk melakukan pengawasan atas and regulations emphasize the Board of Commissioners’
jalannya kegiatan usaha Bank serta memberikan nasihat duty to supervise the Bank’s business activities and provide
kepada Direksi untuk kepentingan tersebut. advice to the Board of Directors.

2021 Annual Report
Dewan Komisaris menyadari bahwa tahun 2021 masih The Board of Commissioners realizes that 2021 was still
penuh dengan tantangan bagi usaha perbankan. Pandemi full of challenges for the banking industry. The COVID-19
COVID-19 belum sepenuhnya pulih, walaupun telah pandemic had not yet been fully contained, although it had
menunjukkan tanda-tanda terkendali. Apalagi pada tengah shown signs of being under control. Moreover, in the middle
semester muncul dinamika varian baru COVID-19, yaitu of the year, there was an emergence of a new COVID-19
varian Delta, sehingga pemerintah harus menerapkan variant, namely the Delta variant, forcing the government to
kebijakan Pemberlakuan Pembatasan Kegiatan Masyarakat implement Enforcement of Community Activity Restrictions
(PPKM) guna menahan laju penyebaran pandemi. (PPKM) to curb the spread of the pandemic.
Kebijakan tersebut berdampak pada terbatasnya aktivitas This policy limited social activities of the community and the
sosial masyarakat dan dunia usaha. Pada akhirnya, business world. Banks, which are intermediary institutions in
perbankan yang merupakan lembaga intermediasi di the financial sector, were adversely affected. The distribution
bidang keuangan terkena imbas. Penyaluran pembiayaan of financing was limited, while the risk associated with
mengalami keterbatasan, sementara risiko pembiayaan disbursed financing increased.
yang telah disalurkan mengalami peningkatan.
Dalam kondisi yang penuh tantangan itu, Dewan Komisaris The Board of Commissioners believes that the Board
menilai Direksi telah merespons dengan sangat baik. of Directors responded very well to these challenging
Bank Muamalat meraih pencapaian finansial yang relatif conditions. Bank Muamalat accomplished a relatively good
baik, termasuk adanya peristiwa penting yaitu beralihnya performance financial. The Bank’s achievements included
Pemegang Saham Pengendali Bank dari sebelumnya changing the Bank’s Controlling Shareholder from the Islamic
Islamic Development Bank (IsDB) kepada Badan Pengelola Development Bank (IsDB) to the Hajj Fund Management
Keuangan Haji (BPKH) serta berlangsungnya Penambahan Agency (BPKH) and the ongoing Capital Increase with Pre-
Modal dengan Memberikan Hak Memesan Efek Terlebih emptive Rights VI (PMHMETD VI) at the end of 2021.
Dahulu VI (PMHMETD VI) pada akhir tahun 2021.
PENILAIAN TERHADAP KINERJA DIREKSI ASSESSMENT OF THE PERFORMANCE OF

THE BOARD OF DIRECTORS
Dasar Penilaian Basis of Assessment

Dewan Komisaris setidaknya memiliki 2 (dua) pertimbangan The Board of Commissioners has at least 2 (two) important
penting dalam memberikan pandangan atau penilaian atas considerations when assessing the performance of the
kinerja Direksi dalam mengelola Bank. Pertama, terkait Board of Directors. These include the Bank’s financial and
dengan pencapaian aspek finansial dan kedua, non finansial. non-financial achievements. The main yardstick by which the
Faktor utama yang diukur dari pencapaian finansial ialah financial achievements are measured includes the fulfillment
pemenuhan target-target yang sebelumnya telah ditetapkan of the targets set in the Bank’s Business Plan.
dan disepakati dalam Rencana Bisnis Bank.
Beberapa indikator di bidang keuangan, misalnya In addition, there are several indicators in the financial
perkembangan nilai aset, total Dana Pihak Ketiga (DPK), total sector including the growth of asset value, total Third Party
penyaluran pembiayaan, biaya operasional, pendapatan Funds (TPF), distribution of financing, operational costs and
operasional. Selanjutnya, juga diukur rasio-rasio penting operating income. Other financial indicators such as the
seperti rasio Non-Performing Financing (NPF), Return on ratio of Non-Performing Financing (NPF), Return on Assets
Asset (ROA), Return on Equity (ROE) serta indikator keuangan (ROA), and Return on Equity (ROE) are also commonly used
lainnya yang lazim digunakan sebagai alat ukur kinerja Bank. to measure the Bank’s performance.
Untuk pencapaian dari aspek non finansial, mencakup di Non-financial achievements include operational performance
antaranya kinerja operasional, dan penerapan tata kelola and Good Corporate Governance (GCG). In addition, the
perusahaan yang baik atau Good Corporate Governance Board of Commissioners also takes into account strategic
(GCG). Selain itu, pencapaian-pencapaian strategis juga achievements when assessing the performance of the Board
menjadi pertimbangan Dewan Komisaris untuk memberikan of Directors.
penilaian terhadap kinerja Direksi dalam mengelola Bank.

Hasil Penilaian Assessment results

Mengacu pada sejumlah pertimbangan tersebut serta kondisi Taking into consideration a number of these considerations
eksternal, seperti pandemi COVID-19 yang berdampak pada as well as external conditions, such as the COVID-19 pandemic
kinerja Bank, Dewan Komisaris berpandangan bahwa kinerja which has had an impact on the Bank’s performance, the
Direksi pada tahun buku 2021 sangat baik. Hal itu tercermin Board of Commissioners is of the view that the performance
dari beragam pencapaian yang diperoleh BMI. of the Board of Directors in 2021 financial year was very
good. This is reflected in the various achievements of BMI.
Dari sisi non finansial, Direksi telah berhasil merealisasikan On the non-financial side, the Board of Directors has
rangkaian proses penguatan permodalan Perseroan yang succeeded in realizing a series of processes for strengthening
diawali dengan masuknya Badan Pengelola Keuangan Haji the Company’s capital, which began with the inclusion of the
(BPKH) sebagai mitra strategis dalam mengembangkan Hajj Fund Management Agency (BPKH) as the Bank’s strategic
Bank. Sebagai Pemegang Saham Pengendali, BPKH telah partner. As the Controlling Shareholder, BPKH has injected
menyuntikkan modal sebesar Rp1 triliun untuk memperkuat Rp1 trillion to strengthen the Bank’s core capital through
modal inti Bank melalui proses PMHMETD VI. Dewan the PMHMETD VI process. The Board of Commissioners
Komisaris sangat mengapresiasi selesainya proses tersebut, appreciates this process since it will greatly assist BMI’s
karena akan sangat membantu pengembangan kinerja BMI performance.
ke depannya.
BMI juga telah menjalankan inisiatif rebuild financing portfolio, BMI has also rebuilt its financing portfolio to maintain
yaitu upaya menjaga kualitas pembiayaan yang sehat, sound financing, including the recovery of non-performing
termasuk pemulihan pembiayaan bermasalah. Upaya Bank financing. The Bank’s efforts to resolve problem assets
menyelesaikan aset bermasalah dari pembiayaan tersebut from the financing are in collaboration with PT Perusahaan
bekerja sama dengan PT Perusahaan Pengelola Aset (PPA). Pengelola Aset (PPA). The Board of Commissioners welcomes
Dewan Komisaris menyambut baik inisiatif tersebut karena the initiative to reduce NPF, which will allow the Bank to be
telah berhasil menurunkan NPF, sehingga Bank kedepannya more flexible in the disbursement of financing to customers
akan lebih leluasa dalam menyalurkan pembiayaan kepada amid the recovering economy.
nasabah di tengah ekonomi yang mulai pulih.
Adapun inisiatif digital and transformation merupakan The Bank carries out digital development through the
pengembangan bisnis Bank berbasis teknologi. Bank secara Muamalat Digital Islamic Network (MDIN). The Board of
berkesinambungan terus melakukan pengembangan digital Commissioners believe that this is important, considering
melalui Muamalat Digital Islamic Network (MDIN). Dewan that the COVID-19 pandemic has accelerated the transition
Komisaris memandang penting hal ini, mengingat pandemi to digital banking transactions, in line with the shift in
COVID-19 telah ikut mempercepat transformasi dalam customer behavior.
transaksi perbankan, sejalan dengan adanya pergeseran
perilaku nasabah yang kian gemar melakukan transaksi
digital banking.
Inovasi di bidang teknologi informasi ini telah mendapatkan The Bank’s information technology innovations received
pengakuan dari para pemangku kepentingan eksternal, recognition from external stakeholders, as shown by the
seperti ditunjukkan melalui beragam penghargaan yang various awards received in 2021. One of these was an award
diterima pada tahun 2021. Di antaranya, sebagai bank for being a sharia bank with the best digital innovations at
syariah dengan inovasi digital terbaik dalam ajang Anugerah the Anugerah Syariah Republika event.
Syariah Republika.
Beragam insiatif dan upaya yang telah dilakukan Various initiatives and efforts have been made to support
memberikan dukungan pada kinerja finansial Bank, yang the Bank’s financial performance, which on average has
rata-rata menunjukkan hasil relatif baik. Mengacu pada posisi shown relatively good results. Referring to the Bank’s
keuangan Bank, BMI telah mencatat adanya peningkatan financial position, BMI recorded an increase in total assets
total aset sebesar 14,94% dari Rp51,24 triliun miliar pada of 14.94% from Rp51.24 trillion in 2020 to Rp58.90 trillion in
tahun 2020 menjadi Rp58,90 triliun pada Desember 2021. December 2021.

2021 Annual Report
Ikhtiar Bank yang sedang menjaga kualitas pembiayaan The Bank’s efforts to maintain the quality of financing also
agar tetap sehat, ikut membuahkan hasil. Tingkat NPF Bank yielded results. The Bank’s NPF level in 2021 was only 0.08%,
pada tahun 2021 hanya 0,08%, jauh di bawah rata-rata far below the average NPF of the Islamic banking industry.
pencapaian industri perbankan syariah. Hingga akhir tahun Up to the end of 2021, the COVID-19 pandemic had an
2021, gelombang pandemi COVID-19 memberikan dampak impact on Bank Muamalat’s financing distribution process.
bagi Bank Muamalat dalam proses penyaluran pembiayaan, It also required the Bank to be more selective in distributing
di mana dampak dari pandemi ini mengharuskan bank financing. As a result, the Bank’s financing position decreased
untuk lebih selektif dalam menyalurkan pembiayaan. to Rp18.04 trillion from Rp29.08 trillion in 2020.
Akibatnya posisi pembiayaan Bank mengalami penurunan
menjadi Rp18,04 triliun, dibandingkan tahun sebelumnya
yang berjumlah Rp29,08 triliun.
Sementara kinerja Dana Pihak Ketiga mengalami kondisi Meanwhile, Third Party Funds grew by 13.16% to Rp46,871
sebaliknya. Dana Pihak Ketiga tumbuh 13,16% menjadi billion from Rp41,425 billion in 2020. This achievement
Rp46.871 miliar dibandingkan tahun 2020 yang berjumlah shows the high level of customer trust in the Bank.
Rp41.425 miliar. Hal ini patut diapresiasi dimana pencapaian
tersebut menunjukkan tingkat kepercayaan nasabah kepada
Bank yang masih tinggi.
Melalui kekuatan dan keunggulan yang dimiliki Bank, The management has continued to optimize business
manajemen terus mengoptimalkan kegiatan bisnis melalui activities through fund distribution, fundraising and the
penyaluran dana, penghimpunan dana serta penyediaan provision of other banking services, supported by the
jasa layanan perbankan lainnya, yang didukung oleh recommendations of the Board of Commissioners. This aims
rekomendasi dari Dewan Komisaris. Hal itu bertujuan agar to ensure that BMI is increasingly more able to encounter
BMI kian mampu menghadapi tantangan dan menangkap challenges and seize opportunities.
peluang yang ada.
Berdasarkan perkembangan tersebut, Dewan komisaris Based on these developments, the Board of Commissioners
sangat mengapresiasi langkah-langkah strategis yang appreciates the strategic steps that have been taken by
ditelah dilakukan oleh Direksi sepanjang tahun 2021 dalam the Board of Directors throughout 2021. The Board of
menjalankan usaha Bank. Dewan Komisaris berpandangan Commissioners is of the view that everything done by the
bahwa segala yang dilakukan oleh Direksi pada tahun buku Board of Directors in the financial year has been very good.
tersebut telah sangat baik.
Pengawasan terhadap Perumusan dan Supervision of Strategy Formulation and

Implementasi Strategi Implementation
Dewan Komisaris menilai, pencapaian BMI yang baik pada The Board of Commissioners believes that BMI’s good
tahun 2021 tidak dapat dipisahkan dari strategi yang performance in 2021 cannot be separated from the
diterapkan oleh manajemen dalam merespons situasi. strategy implemented by the management. All lines of
Seluruh lini organisasi telah menjalankan tugasnya dan the organization have carried out their duties well and the
Direksi telah melaksanakan peran serta fungsinya dengan members of the Board of Directors have carried out their
baik. roles and functions well.
Setidaknya terdapat 3 (tiga) langkah strategis yang telah There are at least 3 (three) strategic steps that were realized
direalisasikan pada tahun 2021: business turnaround, rebuild in 2021: business turnaround, rebuilding the financing
financing portfolio, dan digital transformation. portfolio, and digital transformation.
Business turnaround merupakan titik balik Bank untuk Business turnaround marks a turning point for the Bank to
menjalankan bisnis yang efisien dan berkelanjutan. Upaya run an efficient and sustainable business. These efforts were
itu dilaksanakan melalui sejumlah strategi, di antaranya: carried out through a number of strategies, including:
1. Fokus pada penyaluran pembiayaan di sektor yang 1. Focus on financing distribution in prospective sectors,
prospektif yaitu sektor-sektor yang bersifat low-risk, namely sectors that are low-risk but capable of yielding
namun mampu memberikan hasil yang maksimal (high maximum results (high yield), as well as developing the
yield), serta mengembangkan Islamic segment sebagai Islamic segment as a form of commitment to developing
bentuk komitmen dalam membangun ekonomi syariah the sharia economy in Indonesia.
di Indonesia.  

2. Pembiayaan di segmen retail akan fokus menjadi 2. Financing in the retail segment will focus on consumer
pembiayaan konsumer pada produk multiguna, kredit financing for multipurpose products, housing or
pemilikan rumah (KPR), employee benefit program, serta mortgage loans (KPR), employee benefit programs,
pembiayaan pada Islamic business. Segmen wholesale as well as Islamic business financing. The wholesale
fokus pada pembiayaan kepada  BUMN, large company/ segment focuses on financing for SOEs, large companies/
konglomerasi serta low-risk customer lainnya.   conglomerates and other low-risk customers.
3. Dari sisi pendanaan, Bank tetap fokus pada peningkatan 3. In terms of funding, the Bank remains focused on
dana murah berbasis tabungan dan giro melalui increasing low-cost funds based on savings and current
serangkaian produk dan program yang inovatif serta accounts through a series of innovative products and
sesuai dengan kebutuhan nasabah. programs that are customized to specific customer
needs.
4. Kontribusi pendapatan berbasis jasa terus ditingkatkan 4. The contribution of fee-based income continues
melalui pengembangan produk-produk wealth to increase through the development of wealth
management, bancassurance, trade, dan transactional.   management, bancassurance, trade, and transactional
products.
Rebuild financing portfolio merupakan upaya Bank menjaga The bank’s focus on rebuilding its financing portfolio aims to
kualitas pembiayaan yang sehat, termasuk pemulihan maintain sound financing quality, including recovery of low-
pembiayaan berkualitas rendah. Inisiatifnya, antara lain quality financing. These initiatives include:
melalui:
1. Perbaikan kualitas portofolio dengan mendukung 1. Improvement of portfolio quality through proactive and
terciptanya manajemen portofolio yang proaktif comprehensive portfolio management supported by the
serta komprehensif yang didukung oleh penerapan implementation of strict risk management to prevent a
manajemen risiko yang ketat untuk mencegah decline in financing quality.
penurunan kualitas pembiayaan.  
2. Pemulihan pembiayaan bermasalah, termasuk 2. Recovery of non-performing financing, including
menyediakan pencadangan yang cukup untuk providing sufficient allowance to cover it. Acceleration
menutupinya. Akselerasi penyelesaian pembiayaan of recovery and collection of non-performing financing
bermasalah melalui pemulihan dan penagihan juga is also continuously carried out in order to generate
terus dilakukan agar mampu menghasilkan pendapatan optimal income.
yang optimal.  
3. Menjaga penyaluran pembiayaan untuk tetap fokus dan 3. Ensuring that the distribution of financing remains
disiplin pada target pasar dan kriteria risk acceptance focused on the target market and takes into account the
yang telah ditentukan.   predetermined risk acceptance criteria.
Digital and Transformation, yaitu pengembangan bisnis Bank Digital Transformation, namely the Bank’s technology-based
berbasis teknologi. Hal itu dilakukan melalui: business development, has been achieved through the
following:
1. Fokus pengembangan pada Digital Islamic Network (DIN), 1. Focus on developing the Digital Islamic Network (DIN),
termasuk Smart Account Opening serta penambahan including Smart Account Opening, as well as adding
fitur layanan melalui kemitraan strategis dengan pihak service features through strategic partnerships with
ketiga. Bank juga melakukan transformasi pada sales third parties. The Bank is also transforming its sales
and distribution channel serta layanan cabang melalui and distribution channel and branch office services by
meningkatkan kolaborasi dengan komunitas dan increasing collaboration with the sharia community and
ekosistem syariah. ecosystem.
2. Peningkatan dan perbaikan sistem, prosedur dan 2. Improvement of systems, procedures and policies as a
kebijakan sebagai bagian dari transformasi demi part of the transformation that supports the Bank’s main
mendukung aktivitas utama Bank. BMI juga akan activities. BMI will also reformulate its vision and mission
merumuskan kembali visi dan misi agar sesuai dengan to suit business conditions and targets.
kondisi dan target usaha.
3. Berupaya menyediakan layanan yang optimal dan 3. Provision of optimal services and upholding the
menjunjung prinsip smart and excellent operation bagi principles of smart operations for all stakeholders, both
seluruh pemangku kepentingan, baik dari sisi bisnis in terms of business and the supporting ecosystem.
maupun pendukungnya, melalui penerapan standar
yang konsisten.

2021 Annual Report
Berbagai rumusan strategi tersebut merupakan upaya The various strategies represent the management’s effort to
manajemen melakukan perbaikan dan penyesuaian agar ensure that the Bank is able to deal with the dynamics of
Bank mampu menghadapi dinamika perekonomian nasional the domestic economy and business conditions. The Board
dan kondisi bisnis. Karena itu, Dewan Komisaris mendukung of Commissioners supports all these initiatives, as well as
seluruh insiatif tersebut, sekaligus melakukan pengawasan supervising and providing advice on strategy implementation
dan pemberian nasihat terhadap implementasi strategi agar so that the Bank’s performance can reach the set targets.
pelaksanaan perbaikan kinerja Bank dapat terealisasi sesuai
target yang telah ditetapkan.
PANDANGAN ATAS PROSPEK USAHA BUSINESS PROSPECTS

Dewan Komisaris telah melakukan review terhadap prospek The Board of Commissioners has reviewed the business
usaha yang disusun Direksi untuk tahun depan. Dalam prospects for next year that have been prepared by the
dokumen tersebut telah termuat dasar pertimbangan, baik Board of Directors. These take into account the external and
terkait dengan kondisi eksternal maupun internal Bank yang internal conditions that have the potential to affect BMI’s
berpotensi mempengaruhi kinerja BMI pada tahun depan. performance. The business prospects also include strategies
Prospek usaha tersebut juga menyampaikan target serta for achieving the set targets.
strategi yang ingin dicapai.
Mengacu pada perkembangan kinerja tahun 2021, Dewan Taking into account the Bank’s performance in 2021, the
Komisaris menilai bahwa prospek usaha yang disusun Board of Commissioners believes that the business prospects
dengan berbagai pertimbangannya adalah realistis. are realistic. Bank Indonesia and the government in the 2022
Proyeksi Bank Indonesia serta pemerintah dalam Anggaran State Revenue and Expenditure Budget (APBN) project that
Pendapatan dan Belanja Negara (APBN) tahun 2022 tentang the national economy will grow by 5%. This presents an
perekonomian nasional yang akan kembali tumbuh di level opportunity for BMI’s business expansion. Therefore, the
5% dapat menjadi momentum ekspansi bisnis BMI. Karena Board of Commissioners strongly supports the business
itu, Dewan Komisaris sangat mendukung prospek usaha prospects that have been prepared.
yang telah disusun tersebut.
Kendati demikian, Dewan Komisaris mengingatkan agar Nevertheless, the Board of Commissioners believes that the
pelaksanaannya kelak tetap menerapkan unsur kehati- strategy needs to take into account the prudential principle
hatian sebagai bagian dari mitigasi risiko, apalagi pandemi as a part of risk mitigation, especially since the pandemic
belum sepenuhnya pulih. Karena itulah, Dewan Komisaris is not yet fully controlled. For this reason, the Board of
akan mengawasi serta berkoordinasi dengan Direksi secara Commissioners will supervise and coordinate with the Board
berkala untuk memastikan bahwa implementasinya sejalan of Directors on a regular basis to ensure that its strategy
dengan yang direncanakan serta sesuai dengan peraturan implementation is in line with the plan and in accordance
perundangan-undangan dan praktik terbaik di industri. with the laws and regulations and best practices in the
industry.

PENERAPAN TATA KELOLA PERUSAHAAN IMPLEMENTATION OF CORPORATE

GOVERNANCE
Dewan Komisaris meyakini bahwa penerapan tata kelola The Board of Commissioners believes that the
perusahaan yang baik (Good Corporate Governance/GCG) implementation of Good Corporate Governance (GCG) is
telah menjadi landasan bagi BMI dalam menjalankan one of BMI‘s business foundations. The implementation
kegiatan usahanya. Implementasi GCG di lingkungan Bank of GCG within the Bank adheres to 5 (five) basic principles:
berpegang teguh pada 5 (lima) prinsip dasar: transparansi, transparency, accountability, responsibility, professionalism,
akuntabilitas, responsibilitas, profesional, serta kewajaran as well as fairness and equality that are in line with Islamic
dan kesetaraan yang mengacu pada nilai-nilai Islami. values.
Penerapan GCG telah dijalankan secara berkesinambungan The Board of Commissioners and the Board of Directors,
oleh Bank. Dewan Komisaris dan Direksi yang menjadi bagian which are a part of the governance structure, are an
dari struktur tata kelola, menjadi bagian tak terpisahkan integral part of these activities. For this reason, the Board of
dalam kegiatan tersebut. Karena itulah, Dewan Komisaris Commissioners believes that the implementation of GCG has
menilai bahwa penerapan GCG telah sangat baik dijalankan been executed very well by all business lines within the Bank.
oleh seluruh organisasi di lingkungan Bank.
Dewan Komisaris selalu memasukkan GCG sebagai bagian The Board of Commissioners includes GCG in its supervisory
penting dari pelaksanaan pengawasan yang dilakukan. duties. Coordination meetings with the Board of Directors
Rapat-rapat koordinasi dengan Direksi atau peran komite and the role of the committees under the Board of
di bawah Dewan Komisaris menjadi bagian penting untuk Commissioners are an important part of ensuring that the
memastikan bahwa penerapan tata kelola telah berjalan implementation of governance has been carried out in
sesuai dengan peraturan perundang-undangan. accordance with the relevant laws and regulations.
Keterlibatan Dewan Komisaris pada Involvement of the Board of Commissioners

Penerapan Whistleblowing System in the Implementation of the Whistleblowing
System
Salah satu mekanisme tata kelola perusahaan yang penting One of the most important corporate governance
ialah adanya Whistleblowing System (WBS). WBS mengatur mechanisms is the Whistleblowing System (WBS). WBS
sejak pelaporan hingga pengelolaan pengaduan. Karena manages from reporting to complaint management,
itu, keberadaan WBS menjadi sangat penting sebagai the existence of WBS is a means of violation and fraud
sarana pencegahan, pengungkapan pelanggaran atau prevention, as well as disclosure within the Bank. It also
tindak kecurangan di lingkungan Bank, sehingga BMI dapat helps BMI improve the quality of the implementation of GCG
meningkatkan kualitas penerapan GCG.
Dewan Komisaris sepenuhnya mendukung pelaksanaan WBS The Board of Commissioners supports the implementation
untuk menciptakan iklim kerja yang terbuka, tulus, jujur dan of WBS to create an open, sincere, honest and responsible
bertanggung jawab di lingkungan Bank. Dibantu oleh Unit working environment within the Bank. Assisted by the
Anti Fraud, Dewan Komisaris mendorong setiap pihak Anti-Fraud Unit, the Board of Commissioners encourages
agar berani melaporkan jika terdapat pelanggaran atau employees to report any violations or incidents of fraud. The
indikasi fraud. Dewan Komisaris juga berperan aktif dalam Board of Commissioners also plays an active role in WBS
pelaksanaan WBS dengan melakukan evaluasi secara implementation by conducting regular evaluations of WBS
berkala terhadap laporan pelaksanaan WBS. implementation reports.
Sebagai upaya menginternalisasi WBS di lingkungan Bank, In an effort to internalize WBS within the Bank, information
telah dilaksanakan sosialisasi WBS kepada seluruh insan dissemination on WBS and the anti-fraud campaign is
Bank secara berkelanjutan, diiringi dengan kampanye anti- carried out to all Bank personnel on an ongoing basis. In
fraud. Selain itu, manajemen Bank terus melaksanakan addition, the Bank’s management continues to periodically
pemutakhiran dan penyempurnaan panduan WBS secara update and improve the WBS guidelines in accordance with
berkala dalam rangka perbaikan berkelanjutan sesuai the Bank’s business developments.
dengan perkembangan bisnis Bank.

2021 Annual Report
FREKUENSI DAN CARA PEMBERIAN FREQUENCY AND METHODS OF ADVICE

NASIHAT KEPADA DIREKSI DELIVERY TO THE BOARD OF DIRECTORS
Dewan Komisaris dapat memberikan saran dan nasihat The Board of Commissioners provides advice to the Board
kepada Direksi dalam upaya pencapaian target Bank. of Directors in an effort to achieve the Bank’s targets. This
Hal ini sesuai dengan tugas dan tanggung jawab dari is in accordance with the duties and responsibilities of the
Dewan Komisaris. Saran dan nasihat disampaikan melalui Board of Commissioners. Advice is submitted through the
mekanisme rapat Dewan Komisaris dengan mengundang mechanism of joint meetings of the Board of Commissioners
Direksi (rapat gabungan). and the Board of Directors.
Sepanjang tahun 2021, Dewan Komisaris mengadakan rapat Throughout 2021, the Board of Commissioners held 5 (five)
gabungan bersama Direksi sebanyak 5 (lima) kali. Selain joint meetings with the Board of Directors. In addition to
melalui mekanisme rapat, Dewan Komisaris juga dapat the meeting mechanism, the Board of Commissioners can
memberikan saran dan nasihat kepada Direksi melalui also advise the Board of Directors through various other
berbagai metode. methods.
Metode pertama, meminta keterangan atau penjelasan The first method is to ask the Board of Directors for
kepada Direksi tentang suatu permasalahan yang terjadi. information about a problem that has occurred. Then, the
Kemudian, memberikan pendapat atau arahan berkenaan Board of Commissioners provides directions regarding these
dengan permasalahan tersebut dalam rapat Dewan issues in a joint meeting of the Board of Commissioners and
Komisaris dengan Direksi atau rapat-rapat lain yang dihadiri the Board of Directors or other meetings attended by the
oleh Dewan Komisaris. Board of Commissioners.
Selain itu, Dewan Komisaris melakukan kunjungan ke unit In addition, the Board of Commissioners makes visits to
kerja/cabang tertentu dalam rangka melakukan pengawasan certain work units/branches in order to supervise the
terhadap pelaksanaan kegiatan operasional BMI, seperti implementation of BMI’s operational activities, such as
pemasaran, SDM, keuangan dan lainnya. Dewan Komisaris marketing, HC, and finance. The Board of Commissioners
juga memberikan tanggapan atas laporan berkala yang also provides feedback on the periodic reports prepared by
disiapkan oleh Direksi. the Board of Directors.
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF THE

DEWAN KOMISARIS COMMITTEES UNDER THE BOARD OF
COMMISSIONERS
Dalam menjalankan tugas dan fungsinya, Dewan Komisaris In carrying out its duties and functions, the Board of
dibantu oleh Komite Audit, Komite Pemantau Risiko dan Commissioners is assisted by the Audit Committee, the
Komite Nominasi dan Remunerasi, serta Komite Tata Kelola Risk Monitoring Committee and the Nomination and
Perusahaan. Organ tersebut bertanggung jawab kepada Remuneration Committee, as well as the Corporate
Dewan Komisaris. Governance Committee.
Sepanjang tahun 2021, Dewan Komisaris menilai bahwa The Board of Commissioners believes that all the committees
seluruh komite telah menjalankan tugas dan tanggung carried out their duties and responsibilities well in 2021.
jawabnya dengan baik dalam membantu fungsi pengawasan This assessment takes into account the performance of the
yang dijalankan Dewan Komisaris. Penilaian tersebut committees in providing input and suggestions to the Board
diberikan atas kinerja komite-komite yaitu memberikan of Commissioners in accordance with their respective areas
masukan dan saran kepada Dewan Komisaris sesuai dengan of responsibility.
bidang tanggung jawabnya.

Dalam memberikan penilaian kinerja terhadap komite- In providing performance appraisals to these committees,
komite tersebut, Dewan Komisaris mengacu pada hal the Board of Commissioners refers to the following:
sebagai berikut:
1. Tingkat kehadirannya dalam rapat. 1. Attendance at meetings.
2. Kontribusinya dalam pemberian rekomendasi kepada 2. Providing recommendations to the Board of
Dewan Komisaris. Commissioners.
3. Keterlibatannya dalam penugasan-penugasan tertentu. 3. Involvement in certain assignments.
4. Komitmennya dalam memajukan kepentingan BMI. 4. Commitment to advancing the interests of BMI.
5. Ketaatan terhadap peraturan perundang-undangan 5. Compliance with all applicable laws and regulations, and
yang berlaku dan kebijakan internal BMI. internal policies of BMI.
PERUBAHAN KOMPOSISI DEWAN CHANGES IN THE COMPOSITION OF THE

KOMISARIS BOARD OF COMMISSIONERS
Sepanjang tahun 2021 tidak terjadi perubahan pada Throughout 2021, there were no changes in the composition
komposisi Dewan Komisaris Bank Muamalat Indonesia. of the Board of Commissioners of Bank Muamalat Indonesia.
Namun pada Rapat Umum Pemegang Saham Luar Biasa However, there was a change in the composition of the
(RUPSLB) tanggal 28 Februari 2022, terjadi perubahan Board of Commissioners of Bank Muamalat Indonesia in
komposisi Dewan Komisaris Bank Muamalat Indonesia connection with the honorable discharge of Mr. Mohamed
sehubungan dengan pemberhentian dengan hormat Bapak Hedi Mejai and Mr. Abdulsalam Mohammad Joher Al-Saleh
Mohamed Hedi Mejai dan Bapak Abdulsalam Mohammad from their positions as members of the Company’s Board
Joher Al-Saleh dari jabatannya selaku anggota Dewan of Commissioners at the Extraordinary General Meeting
Komisaris Perseroan. Dewan Komisaris mengucapkan of Shareholders (EGMS) on 28 February 2022. The Board
terima kasih kepada Bapak Mohamed Hedi Mejai dan Bapak of Commissioners would like to thank Mr. Mohamed Hedi
Abdulsalam Mohammad Joher Al-Saleh atas kontribusi yang Mejai and Mr. Abdulsalam Mohammad Joher Al-Saleh for
telah diberikan terhadap Bank Muamalat Indonesia selama their contributions to Bank Muamalat Indonesia.
ini.

2021 Annual Report
Berdasarkan hasil RUPSLB tanggal 28 Februari 2022, Bank Based on the EGMS on 28 February 2022, Bank Muamalat
Muamalat Indonesia mengangkat Bapak Sulistyo Budi, Bapak Indonesia appointed Mr. Sulistyo Budi, Mr. Juni Supriyanto,
Juni Supriyanto, dan Bapak Andre Mirza Hartawan selaku and Mr. Andre Mirza Hartawan as members of the Company’s
anggota Dewan Komisaris Perseroan, dimana pengangkatan Board of Commissioners, contingent on passing the fit and
tersebut akan berlaku efektif setelah memperoleh proper test of the Financial Services Authority (FSA). The
penetapan hasil penilaian kemampuan dan kepatutan dari changes in the composition of the Board of Commissioners
Otoritas Jasa Keuangan (OJK). Perubahan pada komposisi are expected to support the success of the Bank’s business,
Dewan Komisaris tersebut diharapkan dapat mendukung strategic initiatives, and the transformation process of Bank
keberhasilan bisnis Bank, inisitatif strategi, dan proses Muamalat as well as contributing to sustainable growth of
transformasi Bank Muamalat serta berkontribusi terhadap Bank Muamalat.
pertumbuhan Bank Muamalat yang berkelanjutan.
Dengan demikian, susunan Dewan Komisaris hingga Thus, the composition of the Board of Commissioners until
diterbitkannya laporan ini adalah sebagai berikut: the publication of this report is as follows:
Komisaris Utama/Komisaris Independen Ilham Akbar Habibie President Commissioners/Independent

Commissioner
Komisaris merangkap Wakil Komisaris Sulistyo Budi*) Commissioner and Vice Chairman of the
Utama Board of Commissioner
Komisaris Independen Iggi Haruman Achsien Independent Commissioner
Komisaris Independen Edy Setiadi Independent Commissioner
Komisaris Juni Supriyanto*) Commissioner
Komisaris Andre Mirza Hartawan*) Commissioner
Efektif setelah memperoleh penetapan lulus Penilaian Kemampuan dan Kepatutan dari OJK
*)
Effective after passing the Fit and Proper Test from FSA

PENUTUP DAN APRESIASI CLOSING REMARKS AND APPRECIATION

Kami menyampaikan terima kasih kepada Pemegang Saham We would like to thank the shareholders for their trust
atas kepercayaan dan dukungannya, sehingga Dewan and support, which enabled the Board of Commissioners
Komisaris dapat menjalankan tugas dan tanggung jawabnya to carry out its duties and responsibilities. Likewise, the
dengan baik. Begitu juga dengan regulator, Dewan Komisaris Board of Commissioners is grateful to the Regulators for
berterima kasih atas panduannya dalam memenuhi their guidance on compliance with the applicable laws and
peraturan perundang-undangan yang berlaku. regulations.
Apresiasi diberikan kepada Direksi dan jajaran manajemen Appreciation is also given to the Board of Directors and the
Bank Muamalat Indonesia serta seluruh karyawan. management of Bank Muamalat Indonesia, as well as all
Komitmen, dedikasi serta kerja keras yang dikontribusikan employees. Their commitment, dedication and hard work
merupakan kunci pencapaian Bank untuk melalui masa- have been the keys to the Bank’s achievements during these
masa yang penuh tantangan. challenging times.
Dewan Komisaris juga menyampaikan terima kasih kepada The Board of Commissioners also wishes to thank the
nasabah atas kepercayaannya kepada Bank serta dukungan customers for their trust in the Bank, as well as the support
dari mitra kerja. Semoga Allah SWT senantiasa memberikan of the work partners. May Allah SWT always give His grace
karunianya dan menguatkan langkah Bank Muamalat and strengthen Bank Muamalat Indonesia to move toward
Indonesia menuju masa depan yang lebih baik. a better future.
Wassalamualaikum warahmatullahi wabarakatuh,
Ilham Akbar Habibie

President Commissioners/Independent Commissioner

2021 Annual Report
Dewan Komisaris
Board of Commissioners
Edy Setiadi Iggi Haruman Achsien Ilham Akbar Habibie

Komisaris Independen Komisaris Independen Komisaris Utama/Komisaris Independen
Independent Commissioner Independent Commissioner President Commissioner/Independent
Commissioner
*)

Sulistyo Budi*) Andre Mirza Hartawan*) Juni Supriyanto*)

Komisaris merangkap Wakil Komisaris Utama Komisaris Komisaris
Commissioner and Vice Chairman of Commissioner Commissioner
the Board of Commissioner

2021 Annual Report
Achmad K. Permana
Direktur Utama
President Director

Laporan Direksi
Board of Directors Report
Pada tahun 2021 telah terjadi perubahan penting pada Bank

Muamalat. Upaya Bank memperkuat permodalan telah berhasil
direalisasikan dengan masuknya Badan Pengelola Keuangan Haji
(BPKH) sebagai investor strategis pada tanggal 16 November 2021
dan berlangsungnya Penambahan Modal dengan Memberikan Hak
Memesan Efek Terlebih Dahulu VI (PMHMETD VI) pada akhir tahun
2021. Kehadiran BPKH diharapkan mampu memberikan energi dan
harapan baru bagi Bank, karena terciptanya landasan keuangan
yang lebih kuat dan sehat.
In 2021, there were some significant changes at Bank Muamalat. The Bank strengthened its capital with
the admission of the Hajj Fund Management Agency (BPKH) as a strategic investor on November 16,
2021 and the ongoing Capital Increase with Pre-emptive Rights VI (PMHMETD VI) at the end of 2021. The
presence of BPKH is expected to provide new energy and hope for the Bank due to the creation of a
stronger and more sound financial foundation.


Para Pemegang Saham dan Pemangku Kepentingan Dear Distinguished Shareholders and Stakeholders,
yang Terhormat,
Puji syukur kepada Allah Subhanahu Wa Ta’ala, Tuhan Praise be to Allah Subhanahu Wa Ta’ala, the Lord of the
Semesta Alam, karena atas nikmat, rahmat, dan karunia Universe. It is thanks to his blessings, mercy, and gifts that
yang dilimpahkan-Nya, PT Bank Muamalat Indonesia Tbk PT Bank Muamalat Indonesia Tbk was able to pass the year
dapat melalui tahun 2021 dengan baik di tengah kondisi 2021 successfully amid the dynamic economic conditions
perekonomian yang dinamis akibat pandemi COVID-19 yang caused by the COVID-19 pandemic.
masih dirasakan selama tahun 2021.
Dinamika yang terjadi akibat pandemi telah memberikan The pandemic has been putting pressure on the banking
tekanan bagi industri perbankan. Kondisi tersebut telah industry since 2020. Meanwhile, in 2021, amid the recovery
terjadi sejak tahun 2020. Sementara pada tahun 2021, di that started at the beginning of the year, there was a
tengah pemulihan yang terjadi sejak awal tahun, sempat second wave of the pandemic due to the emergence of the
terjadi gelombang kedua pandemi akibat munculnya Delta variant in the middle of the year, which forced the

2021 Annual Report
COVID-19 varian Delta pada pertengahan tahun yang government to limit public activities triggering a decline
memaksa masyarakat untuk membatasi aktivitas dan in various domestic economic activities. The government
terjadinya penurunan berbagai aktivitas ekonomi domestik. responded to this by issuing the policy of Enforcement of
Pemerintah merespons keadaan tersebut, antara lain melalui Community Activity Restrictions (PPKM), a low-interest rate
kebijakan Pemberlakuan Pembatasan Kegiatan Masyarakat policy and a mass vaccination program. This had a positive
(PPKM), kebijakan suku bunga rendah dan pelaksanaan impact on Indonesia’s economy, which gradually improved
vaksinasi massal COVID-19. Kebijakan tersebut kemudian in the second quarter of 2021.
berdampak positif terhadap pemulihan ekonomi Indonesia
yang berangsur membaik pada triwulan II tahun 2021.
PT Bank Muamalat Indonesia Tbk (“Bank”, “BMI”) juga turut PT Bank Muamalat Indonesia Tbk (“Bank”, “BMI”) also
memberikan kontribusi positif terhadap perekonomian contributed positively to the Indonesian economy by
Indonesia dengan mendukung program vaksinasi pemerintah supporting the government’s vaccination program. The Bank
dimana Bank menggelar vaksinasi gratis COVID-19 untuk held free COVID-19 vaccinations for its employees, their
karyawan, keluarga karyawan dan masyarakat umum. families, and the general public. The Bank also continued to
Pada saat yang sama, Bank melanjutkan kerja sama assist customers affected by the pandemic through finance
dengan nasabah yang terdampak pandemi terkait relaksasi restructuring and actively supporting the government’s
restrukturisasi pembiayaan dan secara aktif mendukung National Economic Recovery initiative.
inisiatif Pemulihan Ekonomi Nasional pemerintah.
Bank Muamalat terus menunjukkan komitmennya untuk Bank Muamalat continues to demonstrate its commitment
memberikan dukungan kepada nasabah dan pemangku to providing support to customers and other stakeholders
kepentingan lainnya, dengan mempercepat transformasi by accelerating the transformation to digital banking
transaksi perbankan melalui sistem digital. Dalam kondisi transactions. Bank Muamalat’s digital system has had a
seperti itu, kemampuan sistem digital Bank Muamalat yang positive impact on the Bank’s performance and has created
mumpuni memberikan dampak positif bagi kinerja Bank added value for all stakeholders.
serta menciptakan nilai tambah bagi seluruh pemangku
kepentingan.
PERUBAHAN PENTING IMPORTANT CHANGES

Pada tahun 2021 telah terjadi perubahan penting pada Bank In 2021, there were some significant changes at Bank
Muamalat. Upaya Bank memperkuat permodalan telah Muamalat. The Bank strengthened its capital with the
berhasil direalisasikan dengan masuknya Badan Pengelola admission of the Hajj Fund Management Agency (BPKH) as
Keuangan Haji (BPKH) sebagai investor strategis pada a strategic investor on November 16, 2021, which resulted
tanggal 16 November 2021 yang mengakibatkan beralihnya in the change of the Bank’s Controlling Shareholder from
Pemegang Saham Pengendali Bank dari sebelumnya the Islamic Development Bank (IsDB) to the Hajj Fund
Islamic Development Bank (IsDB) kepada Badan Pengelola Management Agency (BPKH).
Keuangan Haji (BPKH).
Seiring dengan terjadinya perubahan itu, BPKH sebagai Along with this change, BPKH, as the Controlling Shareholder,
Pemegang Saham Pengendali telah menyuntikkan modal injected Tier-1 capital of Rp1 trillion into the Bank through
Tier-1 sebesar Rp1 triliun melalui mekanisme Penambahan the capital addition mechanism with Pre-emptive Rights VI
Model dengan Hak Memesan Efek Terlebih Dahulu VI (PMHMETD VI). The capital injection increased the Bank’s
(PMHMETD VI). Suntikan modal tersebut telah meningkatkan capital adequacy ratio (CAR) from 15.21% to 23.76%.
rasio kecukupan modal (CAR) Bank, dari sebelumnya 15,21%
menjadi 23,76%.
Selanjutnya pada awal tahun 2022, akan ada injeksi modal Furthermore, at the beginning of 2022, capital injection
sebesar Rp2 triliun sebagai Tier-2 melalui penerbitan sukuk amounted to Rp2 trillion as Tier-2 through the issuance of
subordinasi. Suntikan dana tersebut akan memperkuat subordinated sukuk. The injection of funds will strengthen
struktur permodalan Bank sekaligus fasilitas untuk ekspansi the Bank’s capital structure and facilities for business
usaha. Kehadiran BPKH diharapkan mampu memberikan expansion. The presence of BPKH is expected to provide
energi dan harapan baru bagi Bank, karena terciptanya new energy and hope for the Bank due to the creation of a

landasan keuangan yang lebih kuat dan sehat. Bank akan stronger and more sound financial foundation. As a result,
lebih leluasa dalam menyalurkan pembiayaan, sehingga the Bank will be more flexible in channeling financing, which
berpeluang mendorong perbaikan rentabilitas Bank. Tak is likely to improve its profitability. Equally important, the
kalah pentingnya, perubahan yang terjadi pada Bank di changes that occurred at the Bank in 2021 can benefit the
tahun 2021 ini dapat memberikan manfaat bagi masyarakat community in line with the increasing capacity of the Bank.
sejalan dengan meningkatnya kemampuan Bank.
KINERJA USAHA TAHUN 2021 BUSINESS PERFORMANCE IN 2021
Kendala dan Tantangan Impediments and Challenges

Sepanjang tahun 2021, Bank telah memetakan sejumlah Throughout 2021, the Bank faced a number of challenges.
kendala yang dihadapi. Kondisi pandemi misalnya, telah The pandemic had an extensive impact on the world, from
memberikan dampak yang sangat luas. Dari meningkatnya rising unemployment to the declining performance of many
pengangguran hingga menurunnya kemampuan banyak corporations and small and medium enterprises. Many
korporasi serta usaha kecil dan menengah. Tak sedikit pula businesses went bankrupt, increasing the risk associated
yang pailit, sehingga meningkatkan risiko pembiayaan. with financing.
Upaya pemerintah menekan penyebaran pandemi melalui The government’s efforts to suppress the spread of the
pembatasan sosial seperti PPKM berimplikasi pada pandemic through social restrictions such as PPKM reduced
penurunan aktivitas ekonomi. Kebijakan ini berperan dalam economic activity. This policy played a role in the slowdown
perlambatan pertumbuhan ekonomi pada kuartal ketiga of economic growth in the third quarter of the year, which
yang menurun menjadi 3,51% dari kuartal sebelumnya decreased to 3.51% from 7.07% the previous quarter.
yaitu 7,07%.
Pandemi COVID-19 berdampak pada industri perbankan

Indonesia. Terganggunya aktivitas ekonomi domestik The COVID-19 pandemic has had an adverse impact on
mengakibatkan permintaan pembiayaan yang melemah. the Indonesian banking industry. Disruptions to domestic
Pada saat bersamaan, tingkat permintaan terhadap economic activity resulted in weak financing demand.
pembiayaan perbankan juga melemah, walaupun suku Demand for bank financing also weakened, even though
bunga telah turun tajam. Dunia usaha lebih berkonsentrasi interest rates fell sharply. This is because the business world
menjaga stabilitas bisnis ketimbang melakukan ekspansi. was focused on maintaining business stability rather than
Sementara nasabah individu lebih bertendensi menabung expanding. Meanwhile, individual customers tended to save
daripada konsumsi. money rather than spend.
Kebijakan pembatasan sosial juga mengubah perilaku The social restriction policy has also shifted people’s
masyarakat dalam melakukan transaksi perbankan. Dari preference from physical to virtual transactions and payment
sebelumnya interaksi fisik menjadi virtual, demikian settlements. This prompted Bank Muamalat to review and
pula dengan penyelesaian pembayarannya. Kondisi speed up the development of Information Technology
tersebut mendorong Bank Muamalat untuk meninjau dan and digital initiatives to optimize customer service and
mempercepat inisiatif Teknologi Informasi dan digital untuk convenience in making banking transactions in the midst of
mengoptimalkan layanan dan kenyamanan nasabah dalam a pandemic.
bertransaksi di tengah pandemi.
Strategi dan Kebijakan Strategis Strategic Plans and Policies

Di tengah pandemi COVID-19 yang masih berlangsung, Bank Bank Muamalat has formulated strategies and policies
Muamalat memastikan telah merumuskan strategi dan to respond to the ongoing COVID-19 pandemic. The
kebijakan untuk merespons kondisi yang ada. Manajemen management of Bank Muamalat has outlined the strategies
Bank Muamalat menjabarkan strategi dan kebijakan and policies in the Bank’s 2021 Business Plan (BBP), which
tersebut dalam rencana Bisnis Bank (RBB) tahun 2021 yang was submitted to the Company’s shareholders at the Annual
telah disampaikan kepada pemegang saham Perseroan General Meeting of Shareholders (AGMS).
pada Rapat Umum Pemegang Saham Tahunan (RUPST).

2021 Annual Report
Bank Muamalat terus melanjutkan kebijakan turnaround Bank Muamalat’s turnaround policy includes 3 (three)
yang telah ditetapkan, yaitu mencakup 3 (tiga) prioritas priority initiatives, namely: business turnaround, rebuilding
inisiatif, yaitu: business turnaround, rebuild financing portfolio, the financing portfolio, and digital transformation.
dan digital transformation.
Bank Muamalat menerapkan strategi penyaluran Bank Muamalat has a prudent financing strategy. The bank
pembiayaan yang hati-hati. Bank juga melakukan has also restructured financing for customers affected by the
restrukturisasi pembiayaan bagi nasabah yang terdampak pandemic. This is in line with the stimulus policy implemented
pandemi. Hal itu sejalan dengan kebijakan stimulus yang by the Government and the Financial Services Authority
diterapkan oleh Pemerintah dan Otoritas Jasa Keuangan (FSA) that extended the relaxation of the COVID-19 credit
(OJK) di mana relaksasi restrukturisasi kredit COVID-19 restructuring until 31 March 2023. This has helped shield
diperpanjang sampai dengan 31 Maret 2023. Upaya businesses from the impact of the COVID-19 pandemic, most
tersebut sangat membantu dunia usaha dari dampak notably from the threat of default, which had the potential
pandemi COVID-19 seperti ancaman gagal bayar yang dapat to seriously affect the business community. It also helped to
berdampak lebih serius terhadap bisnis, sekaligus menjaga maintain the stability of Bank Muamalat.
stabilitas Bank Muamalat.
Dari sisi pembiayaan baru, Bank terus memberikan beragam In terms of new financing, the Bank continues to provide
kemudahan kepada nasabah. Di antaranya, menawarkan various services to customers, such as attractive margin/
tingkat margin/bagi hasil yang menarik, sehingga dunia sharing rates to enable businesses to recover and ultimately
usaha diharapkan segera kembali pulih dan pada akhirnya have a positive impact on banks, including Bank Muamalat.
memberikan dampak positif kepada perbankan, termasuk
Bank Muamalat.
Bank Muamalat juga melakukan transformasi struktural Bank Muamalat has also carried out a structural
model bisnis dengan mengakselerasi layanan digital. transformation of its business model by accelerating digital
Pandemi terbukti telah mempercepat terjadinya services. The pandemic has accelerated the shift in customer
pergeseran perilaku nasabah dalam bertransaksi, baik behavior to digital banking transactions. The Bank continues
dalam melakukan pembayaran (payment) maupun untuk to review and refine its entire digital service process to speed
konsumsi, yang beralih kepada digital. Bank terus meninjau up service times.
dan menyempurnakan proses layanan digitalnya secara
menyeluruh untuk mempercepat waktu layanan sesuai
dengan kebutuhan nasabah.
Bersamaan dengan pengembangan produk dan layanan Along with the development of digital financial products
keuangan digital, BMI ikut berupaya mendorong peningkatan and services, BMI also strives to increase Islamic financial
inklusi keuangan syariah. Inisiatif ini sejalan dengan prioritas inclusion. This initiative is in line with the priorities of the G20
kemitraan global untuk inklusi keuangan G20, yang fokus global partnership for financial inclusion, which focuses on
pada inklusi keuangan digital dan keuangan usaha kecil digital financial inclusion and small and medium enterprise
menengah (UKM). (SME) financing.
Selain itu, Bank juga merealisasikan kebijakan strategis In addition, the Bank has also implemented a strategic
income initiative dalam rangka meningkatkan pendapatan income initiative policy in order to increase its income, either
Bank, baik berupa profit margin ataupun fee-based in the form of profit margin or fee-based income. To increase
income. Untuk meningkatkan fee-based income, Bank telah fee-based income, the Bank has rolled out a number of
menggulirkan sejumlah program terkait trade finance, programs related to trade finance, bancassurance, and
bancassurance, dan lain-lain. others.
Kebijakan strategis lain, misalnya margin expenses initiative. Another strategic policy is the margin expenses initiative.
Kebijakan ini merupakan program untuk menekan laju This policy is a program to reduce the cost growth rate, by
pertumbuhan biaya, dengan menurunkan cost of fund, reducing the cost of funds, implementing a new sales culture
implementasi new sales culture serta peningkatan dana and increasing low-cost funds (CASA).
murah (CASA).

Peran Direksi dalam Perumusan Strategi The Role of the Board of Directors in
dan Memastikan Implementasi Strategi Strategy Formulation and Ensuring Strategy
Implementation
Dalam merumuskan strategi Bank, Direksi bertanggung The Board of Directors is responsible for determining the
jawab penuh atas penetapan arah dan prioritas strategis strategic direction and priorities of the Bank as well as
Bank serta menerapkan prinsip tata kelola perusahaan pada applying the principles of corporate governance in every
setiap kegiatan usaha Bank di semua lini organisasi untuk business activity and all lines of the organization to ensure
memastikan bahwa penerapan strategi berjalan dengan that the implementation of the strategy is carried out in
benar dan sesuai dengan visi dan misi Bank Muamalat. accordance with the Bank’s vision and mission.
Direksi membentuk unit kerja dan komite sebagai The Board of Directors has established work units and
perpanjangan tangan Direksi untuk menyampaikan committees to convey the company’s strategy. Among them
strategi perusahaan. Di antaranya adalah Komite Aset dan is the Asset and Liability Committee (ALCO). This committee
Liabilitas atau Aset and Liability Committee (ALCO). Komite ini assists the Board of Directors in maintaining a strong
membantu pelaksanaan tugas Direksi dalam memelihara balance sheet structure. Its duties include the analysis and
struktur neraca yang kuat. Dari analisis serta perumusan formulation of policies and strategies, decision making,
kebijakan dan strategi, pengambilan keputusan, pengawasan supervision of managing the liquidity risk, market risk and
dalam pengelolaan risiko likuiditas, risiko pasar dan capital in line with Bank Indonesia and the Financial Services
permodalan sejalan dengan peraturan Bank Indonesia atau Authority regulations, as well as the Bank’s business strategy.
Otoritas Jasa Keuangan maupun strategi bisnis Bank. Selain In addition, the Bank’s Business Finance & Planning function
itu, Bank memaksimalkan fungsi Business Finance & Planning supports the Board of Directors in formulating the Bank’s
yang mendukung Direksi dalam merumusan rencana bisnis business plan and monitoring its implementation through
Bank serta memantau pelaksanaannya dengan menyusun target realization reports.
laporan realisasi dibandingkan rencana bisnis.
Untuk mengevaluasi pelaksanaan strategi dan kebijakan To evaluate the implementation of the strategic plan and
strategis, Direksi juga menerima laporan secara berkala policies, the Board of Directors also receives regular reports
dari komite-komite yang dibentuk terkait dengan realisasi di on operational realization from the established committees.
bidang operasional untuk kemudian dilakukan evaluasi dan In addition, the Board of Directors also follows up audit
pengembangan lebih lanjut. Direksi juga menindaklanjuti findings and audit recommendations from the Bank’s
temuan audit dan rekomendasi audit dari audit internal internal audit, recommendations from external auditors and
Bank, rekomendasi auditor eksternal dan hasil pengawasan the results of the supervision carried out by the Financial
yang dilakukan oleh Otoritas Jasa Keuangan (OJK), dan /atau Services Authority (FSA), and/or other authorities.
otoritas lainnya.
Kinerja Usaha Business Performance

Pada triwulan III-2021, situasi pandemi kembali terkendali, In the third quarter of 2021, the pandemic was again under
setelah sebelumnya sempat terjadi gelombang kedua akibat control after the second wave due to a new virus variant. As
varian virus baru. Aktivitas sosial dan ekonomi masyarakat a result, the social and economic activities of the community
bergerak, seperti ditunjukkan melalui tingkat konsumsi were back on track, as indicated by the positive growth in
rumah tangga yang tumbuh positif. Kondisi ini sangat household consumption. This condition was very supportive
mendukung BMI yang selalu berusaha untuk mencapai to BMI which always strives to achieve targets that have been
target yang telah ditetapkan di tengah kondisi perekonomian set amidst dynamic movement of economic condition.
yang bergerak dinamis.
Dengan penerapan strategi yang tepat dalam menghadapi Despite the challenges, the Bank’s strategy resulted in a
kondisi yang dinamis, Bank berhasil membukukan sejumlah number of positive achievements. The total assets increased
pencapaian yang baik. Total aset meningkat sebesar 14,94% by 14.94% from Rp51.24 trillion in 2020 to Rp58.90 trillion in
dari Rp51,24 triliun pada tahun 2020 menjadi Rp58,90 triliun December 2021. Although this was still lower than the pre-
pada Desember 2021, namun lebih rendah dari target yang determined target.
ditetapkan.
Dari sisi pembiayaan, gelombang pandemi COVID-19 The COVID-19 pandemic impacted Bank Muamalat’s
memberikan dampak bagi Bank Muamalat dalam financing distribution process, forcing the Bank to be more
proses penyaluran pembiayaan, di mana dampak selective when disbursing financing. In 2021, in a series

2021 Annual Report
dari pandemi ini memaksa Bank untuk lebih selektif of corporate actions to improve its financial position,
dalam menyalurkan pembiayaan. Di tahun 2021, dalam the Bank has also collaborated in managing low-quality
rangkaian aksi korporasi untuk memperbaiki posisi assets of Rp10 trillion with PT Perusahaan Pengelola
keuangannya, Bank juga telah melakukan kerjasama Aset (Persero). As a result, in 2021, the Bank’s financing
pengelolaan aset berkualitas rendah sebesar Rp10 decreased to Rp18.04 trillion from Rp29.08 trillion the
triliun yang dilakukan dengan PT Perusahaan Pengelola previous year. This achievement was lower than the
Aset (Persero). Akibatnya pada tahun 2021, pembiayaan Rp22.08 trillion target. The below-the-target disbursement
Bank mengalami penurunan menjadi Rp18,04 triliun, of financing affected Bank Muamalat’s profit before tax
dibandingkan tahun sebelumnya yang berjumlah which was 48% (or Rp13 billion) lower than the set target of
Rp29,08 triliun. Pencapaian tersebut masih lebih rendah dari Rp25 billion. This was due to the Bank’s efforts to maintain
target yang ditetapkan sebesar Rp22,08 triliun. Penyaluran the quality of financing to ensure financial soundness and
pembiayaan yang masih di bawah target ikut mempengaruhi focus on the recovery of low quality financing. This has had
perolehan laba sebelum pajak Bank Muamalat yang sebesar an impact on the distribution of financing, making the Bank
48% atau Rp13 miliar dari target Rp25 miliar. Kondisi ini more selective with a focus on the distribution of financing
dikarenakan Bank berupaya menjaga kualitas pembiayaan with low risk.
agar tetap sehat, termasuk pemulihan pembiayaan
berkualitas rendah. Situasi tersebut memberikan pengaruh
terhadap penyaluran pembiayaan karena Bank menjadi
lebih selektif dan penyaluran pembiayaan difokuskan pada
jenis dan target yang memiliki bobot risiko rendah.
Realisasi rasio KPMM per Desember 2021 tercatat sebesar The realization of the Bank’s CAR as of December 2021 was
23,76% di atas ketentuan Otoritas Jasa Keuangan, namun 23.76%. This was above the requirement set by the Financial
lebih rendah dari target yang ditetapkan sebesar 30,13%. Services Authority, but lower than the set target of 30.13%.
Hal ini disebabkan oleh adanya pergeseran penyelesaian This was due to a shift in the completion of the issuance of
penerbitan Sukuk Subordinasi yang rampung pada triwulan Subordinated Sukuk which was completed in the 1st quarter
1 2022. of 2022.
Sedangkan untuk menjaga kualitas pembiayaan secara Meanwhile, to maintain the overall quality of financing, the
keseluruhan, Bank telah bekerja sama dengan mitra strategis Bank collaborated with strategic partners to manage low-
untuk pengelolaan aset berkualitas rendah sebesar Rp10 quality assets in the amount of Rp10 trillion. This corporate
triliun. Langkah aksi korporasi tersebut membuat rasio non action move resulted in the significant decrease of non-
performing financing (NPF) Bank di akhir tahun 2021 turun performing financing (NPF) ratio to 0.08% in 2021, better
signinfikan menjadi 0,08% lebih baik dibandingkan target. than the target. Bank Muamalat’s Return on Assets (ROA)
Return on Asset (ROA) Bank Muamalat pada bulan Desember in December 2021 was recorded at 0.02%, lower than the
2021 tercatat sebesar 0,02% atau lebih rendah dari target set target of 0.04%. The Return on Equity Ratio (ROE) was
yang ditetapkan sebesar 0,04%. Hal serupa juga terjadi pada recorded at 0.20%, lower than the set target of 0.42%.
Rasio Return on Equity (ROE) yang tercatat sebesar 0,20%
atau lebih rendah dari target yang ditetapkan sebesar 0,42%.
Sementara kinerja Dana Pihak tumbuh 13,16% menjadi Meanwhile, the Bank’s Third Party Funds grew 13.16% to
Rp46,87 triliun dibandingkan tahun 2020 yang berjumlah Rp46.87 trillion from Rp41.42 trillion in 2020, reaching
Rp41,25 triliun atau mencapai 103,64% dari target yang 103.64% of the target of Rp45.22 trillion. This was in line with
ditetapkan sebesar Rp45,22 triliun. Hal ini sejalan dengan the people’s tendency to save more during the COVID-19
perubahan tendensi masyarakat untuk menabung selama pandemic.
pandemi COVID-19.
Sepanjang tahun buku 2021, Bank membukukan pendapatan Throughout the 2021 financial year, the Bank recorded an
operasional lainnya sebesar Rp584 miliar, lebih tinggi 101,56% other operating income of Rp584 billion, a 101.56% increase
dibandingkan tahun sebelumnya yang Rp575 miliar. Rasio from Rp575 billion in 2020. The BOPO ratio was recorded at
BOPO tercatat 99,29% atau lebih tinggi jika dibandingkan 99.29%, higher than the target of 98.49%. Going forward, the
target sebesar 98,49%. Ke depannya, Bank berupaya untuk Bank will strive to continue to optimize its Operating Income
terus mengoptimalkan Pendapatan Operasional dengan with several initiatives such as optimizing fee-based income,
beberapa inisiatif seperti upaya optimalisasi pendapatan carrying out efficiency efforts and increasing productivity.
berbasis layanan (fee-based income), melakukan upaya
efisiensi dan peningkatan produktivitas.

ANALISIS PROSPEK USAHA 2021 DAN HAL ANALYSIS OF BUSINESS PROSPECTS IN

PENTING YANG DIPERKIRAKAN TERJADI 2022
PADA MASA MENDATANG
Prospek Usaha Business Prospects

Bank memperkirakan kondisi perekonomian 2022 akan lebih The Bank estimates that the economic conditions in 2022 will
baik dibandingkan kondisi tahun 2021. Optimisme ini sejalan be better than those in 2021. This optimism is in line with
dengan proyeksi Bank Indonesia bahwa perekonomian Bank Indonesia’s projection that the national economy will
nasional akan tumbuh di kisaran 4,7%-5,5%. Perbaikan grow in the range of 4.7%-5.5%. This projection is driven
tersebut didorong oleh berlanjutnya perbaikan ekonomi by the continued improvement of the global economy that
global yang berdampak pada kinerja ekspor yang tetap kuat, has increased export performance, and improved domestic
serta meningkatnya permintaan domestik dari kenaikan consumption and investment in line with the easing of the
konsumsi dan investasi sejalan dengan kondisi pandemi pandemic.
yang mereda.
Proyeksi tersebut didukung oleh langkah-langkah yang This projection is supported by Bank Indonesia through
akan diambil oleh Bank Indonesia melalui 5 (lima) 5 (five) policy instruments, namely: monetary policy,
instrumen kebijakan, yaitu: kebijakan moneter, kebijakan macroprudential policy, payment system policy, money
makroprudensial, kebijakan sistem pembayaran, kebijakan market development policy, MSME policy and Islamic finance
pengembangan pasar uang, dan kebijakan UMKM dan economy.
ekonomi keuangan syariah.
Pemerintah juga yakin bahwa kinerja perekonomian akan The government also believes that economic performance
jauh lebih baik. Seperti tertuang dalam Undang-Undang will be much better in 2022. As stated in Law No. 6 of 2021
No. 6 tahun 2021 tentang Anggaran Pendapatan dan concerning the State Revenue and Expenditure Budget
Belanja Negara (APBN) Tahun Anggaran 2022, Pemerintah (APBN) for the Fiscal Year 2022, national economic growth in
memproyeksikan pertumbuhan ekonomi nasional bisa 2022 might reach 5.2%.
mencapai 5,2%.
Seiring dengan optimisme tersebut, BMI yakin pertumbuhan Along with this optimism, BMI believes that bank financing
pembiayaan perbankan pada tahun 2022 akan lebih baik growth in 2022 will be better than 2021. The abundance of
dibanding tahun 2021. Melimpahnya likuiditas perbankan banking liquidity will flow rapidly to meet the demand for
akan mengalir deras untuk memenuhi potensi terjadinya financing, which will recover along with the increasingly
kenaikan permintaan terhadap pembiayaan yang akan pulih controlled pandemic.
bersamaan dengan makin terkendalinya pandemi.
Sinyal perbaikan penyaluran pembiayaan sudah ada sejak Signals of the improvement in financing distribution could be
November 2021. Penyaluran kredit perbankan mengalami seen since November 2021. Bank lending has experienced
pertumbuhan positif pada seluruh segmen, baik kredit positive growth in all segments, including investment credit,
investasi, modal kerja, maupun konsumsi. Penyaluran working capital, and consumption. The distribution of Islamic
pembiayaan perbankan syariah juga menunjukkan banking financing has also shown growth, increasing by
pertumbuhan melampaui periode satu tahun sebelumnya. 7.86% (yoy). This growth surpassed the national banking
Pertumbuhan tersebut yang meningkat sebesar 7,86% (yoy) credit distribution and financing, which grew by 3.26% (yoy).
melampaui penyaluran kredit dan pembiayaan perbankan
nasional yang tumbuh sebesar 3,26% (yoy).
Dengan demikian, Bank memandang industri perbankan The Bank believes that the banking industry will grow in 2022
akan tumbuh pada tahun 2022 karena jasa keuangan because financial services continued to experience positive
merupakan salah satu industri yang tetap memiliki laju growth during the COVID-19 pandemic. BMI is ready to take
pertumbuhan positif selama pandemi COVID-19 yang advantage of the positive developments that will occur in
berlangsung sejak tahun 2020. BMI telah siap menghadapi 2022, especially considering the Bank’s increasingly strong
perkembangan positif yang akan terjadi pada tahun 2022, capital position. As a result, BMI will be more flexible to
apalagi mengingat posisi permodalan Bank yang semakin innovate and expand next year.
kuat. BMI akan lebih leluasa untuk berinovasi dan melakukan
ekspansi pada tahun depan.

2021 Annual Report
Hal-hal Penting yang Diperkirakan Terjadi Significant Future Events

pada Masa Mendatang
Proyeksi pertumbuhan ekonomi oleh Bank Indonesia The projection by Bank Indonesia that economic growth in
dan pemerintah yang kembali berada di atas 5% didasari 2022 will be above 5% is based on the increasingly controlled
oleh makin terkendalinya kasus COVID-19. Perekonomian COVID-19 cases. The economy is expected to recover
diharapkan segera pulih dan tumbuh. and grow.
Kendati demikian, BMI menyadari bahwa ke depan, masih Nevertheless, BMI realizes that there are still many potential
ada tantangan yang harus diantisipasi. Dalam jangka challenges. In the short term, for example, these are
pendek misalnya, terkait dengan ketidakpastian berakhirnya related to the uncertainty about the end of the pandemic
pandemi mengingat tetap ada potensi varian baru, seperti considering that there is still a potential for new variants, as
lahirnya varian Delta dan Omicron yang terjadi pada tahun demonstrated by the emergence of the Delta and Omicron
2021. Kondisi pandemi tersebut akan berpengaruh besar variants in 2021. The pandemic has had a major impact
bagi proses pemulihan ekonomi, begitu juga dengan sektor on the economic recovery process, as well as the banking
usaha perbankan. business sector.
Selain itu, terdapat sejumlah tantangan struktural yang In addition, there are a number of structural challenges that
masih harus dihadapi. Skala usaha BMI serta kemampuannya still need to be addressed. The business scale of BMI and its
bersaingan dalam industri perbankan secara umum masih ability to compete in the banking industry still needs to be
perlu terus ditingkatkan dan diperluas. improved.
Selain itu, kian berkembangnya ekonomi digital secara pesat In addition, the rapid development of the digital economy
telah menjadi perhatian serius industri keuangan. Kesadaran has become a serious concern for the financial industry.
terhadap teknologi pada industri perbankan berkembang Awareness of technology in the banking industry has been
sangat pesat selama masa pandemi. Hal itu, antara lain grown very rapidly during the pandemic. This was triggered
dipicu oleh kebiasaan nasabah yang mengalami pergeseran by customers’ habits, who shifted from making transactions
dari biasanya transaksi secara fisik (offline) menjadi lebih at branches (offline) to using digital banking.
banyak menggunakan digital banking.
BMI tentu saja akan merespons kondisi tersebut dengan Of course, BMI will respond to these changes with
inovasi pada aspek digital, seperti yang telah dilakukan hingga digital innovations, as it has done so far. From the latest
saat ini. Dari perkembangan terakhir, yaitu kemampuan development, namely the Bank’s ability to provide online
Bank menyediakan layanan pembukaan rekening secara account opening services, it will continue to release new
online, akan dilanjutkan dengan tawaran produk dan layanan product and service offerings to meet the diverse and
baru untuk memenuhi kebutuhan nasabah yang beragam growing needs of its customers.
dan terus berkembang.
Pesatnya perkembangan keuangan digital itu ikut mengubah The rapid development of digital finance has also changed
perilaku ekonomi masyarakat, sehingga berpengaruh people’s economic behavior, thus affecting expectations
terhadap ekspektasi pada produk dan layanan perbankan about banking products and services. This has also presented
yang sesuai. Hal ini juga menjadi tantangan bagi Bank, a challenge for the Bank since the level of public literacy in
termasuk tingkat literasi masyarakat terhadap perbankan Islamic banking still needs to be improved.
syariah yang masih perlu ditingkatkan.
Berbagai tantangan tersebut perlu direspons secara These challenges need to be addressed through close
cermat dan tepat melalui kolaborasi yang erat oleh seluruh collaboration between all stakeholders. In addition,
pemangku kepentingan. Penguatan di lingkungan internal strengthening the internal environment of the Bank will also
juga akan terus dilakukan agar Bank semakin mudah continue to be carried out so that the Bank can more easily
beradaptasi terhadap perubahan. adapt to changes.

PENERAPAN TATA KELOLA PERUSAHAAN IMPLEMENTATION OF GOOD CORPORATE

GOVERNANCE
BMI senantiasa berupaya meningkatkan implementasi BMI always strives to improve the implementation of the
prinsip-prinsip tata kelola perusahaan yang baik atau principles of Good Corporate Governance (GCG) in the Bank’s
Good Corporate Governance (GCG) di lingkungan Bank environment. This effort was initiated by the internalization
secara berkelanjutan. Ikhtiar tersebut diawali oleh proses process within the Bank. This was done to ensure that all units
internalisasi di lingkungan Bank. Hal ini bertujuan agar semua within the Bank’s organizational environment have the same
unit di lingkungan organisasi Bank memiliki kesepahaman understanding of the importance of implementing GCG.
yang sama tentang pentingnya penerapan GCG.
Bank menyadari bahwa penerapan GCG yang konsisten dan The Bank realizes that the consistent implementation of
kualitas kepatuhan Bank terhadap peraturan perundang- GCG and the quality of the Bank’s compliance with laws
undangan yang terus terjaga secara penuh akan sangat and regulations that are fully maintained will support the
mendukung pencapaian usaha Bank. Dewan Komisaris Bank’s business. The Board of Commissioners and the Board
dan Direksi meyakini bahwa penerapan GCG secara baik of Directors believe that the implementation of good and
dan konsisten juga mampu meningkatkan daya saing dan consistent GCG is also able to improve the competitiveness
kinerja Bank serta kepercayaan dari seluruh pemangku and performance of the Bank as well as the trust of all
kepentingan. Dengan keyakinan tersebut, Dewan Komisaris stakeholders. With this belief, the Board of Commissioners
dan Direksi berkomitmen untuk terus menjaga tingkat and the Board of Directors are committed to continuing to
kepatuhan dan pengembangan terhadap pelaksanaan GCG maintain compliance and development of the Bank’s GCG
Bank secara berkesinambungan. implementation.
Dalam penerapan prinsip-prinsip GCG, Anggaran Dasar BMI’s implementation of GCG is based on the Company’s
Perusahaan dan kebijakan GCG berperan sebagai pijakan Articles of Association and GCG policies. In addition, the
dasar yang menjadi acuan bagi Insan BMI. Pedoman guidelines are prepared with reference to various relevant
tersebut disusun dengan mengacu pada berbagai peraturan laws and regulations, as well as best practices in the industry.
perundang-undangan yang relevan serta praktik terbaik di The Board of Directors continues to strive to maintain and
industri. Direksi terus berupaya menjaga dan meningkatkan improve the application of the Bank’s Good Corporate
penerapan prinsip-prinsip Tata Kelola Perusahaan yang Governance principles. The principles of transparency,
Baik dan menyempurnakan implementasinya. Prinsip accountability, responsibility, professionalism and fairness
transparansi, akuntabilitas, responsibilitas, profesional dan have always been the Bank’s best practice guidelines
kewajaran senantiasa menjadi pedoman best practice Bank to ensure a sound, sustainable and competitive sharia
dalam mengaktualisasikan bisnis syariah yang sehat dan business. In 2021, Bank Muamalat Indonesia conducted a
berkesinambungan serta kompetitif dalam persaingan. self-assessment of the implementation of GCG individually
Pada tahun 2021, Bank Muamalat Indonesia melakukan and consolidated with a rating of 2 (two) which reflects that
penilaian sendiri (self-assessment) pelaksanaan GCG secara the Bank’s Management has implemented Good Corporate
individual dan konsolidasi dengan hasil peringkat 2 (dua) Governance which is generally good. This is reflected in the
yang mencerminkan Manajemen Bank telah melakukan adequate application of the principles of Good Corporate
penerapan Good Corporate Governance yang secara umum Governance. However, if there are weaknesses in applying
baik. Hal ini tercermin dari penerapan atas prinsip-prinsip GCG principles, they are generally not very significant and
Good Corporate Governance yang memadai. Apabila terdapat can be resolved by normal actions by the management of
kelemahan dalam penerapan prinsip GCG maka secara the Bank.
umum kelemahan tersebut kurang signifikan dan dapat
diselesaikan dengan tindakan normal oleh manajemen
Bank.
Salah satu komitmen Bank Muamalat untuk mendukung One of Bank Muamalat’s commitments to supporting
penerapan tata kelola perusahaan yang baik dan praktik the implementation of good corporate governance and
bisnis yang beretika diwujudkan melalui Whistleblowing ethical business practices has been realized through the
System (WBS), menindaklanjuti seluruh temuan dari audit Whistleblowing System (WBS). The system is based on the
internal, audit eksternal dan hasil pengawasan Otoritas Jasa findings of internal audits, external audits and the results of
Keuangan serta berupaya melakukan perbaikan berdasarkan the supervision of the Financial Services Authority.
rekomendasi yang diberikan.

2021 Annual Report
Pada tahun 2021, Bank Muamalat berhasil meraih In 2021, Bank Muamalat won an award from the Economic
penghargaan dari Economic Review pada ajang Indonesia Review at the Indonesia Corporate Secretary and Corporate
Corporate Secretary and Corporate Communication Award Communication Awards (ICCA) – VI-2021 as the 1st in The Best
(ICCA) – VI-2021 sebagai 1st The Best Informative Website 2021 Informative Website 2021 category: Sharia Bank – Public
kategori: Sharia Bank – Public Company (TBK), diharapkan Company (TBK). It is expected that this will increase the
akan meningkatkan kepercayaan masyarakat luas serta trust of the wider community and the Shareholders in the
tentunya Pemegang Saham. Selaras dengan penghargaan Bank. In line with the awards, Bank Muamalat is committed
yang diraih, Bank Muamalat berkomitmen untuk terus to continuously improving its information disclosure to
meningkatkan kemudahan, kenyamanan, serta keterbukaan the shareholders and the public by utilizing technological
informasi kepada pemegang saham dan publik dengan developments, namely the company’s official website.
memanfaatkan perkembangan teknologi yaitu melalui The existence of a company website is an integral part of
situs resmi perusahaan. Keberadaan website perusahaan corporate governance and one of the indicators of the
menjadi bagian penting dari tata kelola peruisahaan dan Bank’s compliance with FSA Regulation No. 8/POJK.04/2015
salah satu indikator kepatuhan Bank yang diatur di dalam concerning Websites of Issuers or Public Companies.
POJK No. 8/POJK.04/2015 tentang Situs Web Emiten atau
Perusahaan Publik.
PENGEMBANGAN TEKNOLOGI DEVELOPMENT OF INFORMATION

INFORMASI TECHNOLOGY
Pada aspek teknologi informasi, sepanjang tahun 2021 Bank In the information technology area, throughout 2021,
masih melanjutkan fokus tahun sebelumnya, yaitu terkait the Bank continued to focus on operational excellence &
operational excellent & innovation. Pengembangan dan inovasi innovation. Other realized developments related to the
lainnya juga telah direalisasikan, terutama terkait dengan development of digital services through the Muamalat Digital
pengembangan layanan digital melalui Muamalat Digital Islamic Network (MDIN), automated and smart operations
Islamic Network (MDIN), automated dan smart operations processing, development of financing services, ProHajj, data
processing, pengembangan layanan pembiayaan, ProHajj, cleansing and internal quality improvements.
perbaikan data cleansing dan quality-internal.
Untuk mendukung kepatuhan Bank terhadap peraturan To support the Bank’s compliance with all relevant laws
perundang-undangan, BMI telah mengembangkan sistem and regulations, BMI has developed a system for regulatory
untuk regulatory reporting, sesuai persyaratan Bank reporting in accordance with the requirements of Bank
Indonesia dan Otoritas Jasa Keuangan. Secara keseluruhan, Indonesia and the Financial Services Authority. Overall, the
Bank telah menyelesaikan 15 pengembangan dan inovasi di Bank has completed 15 developments and innovations in
bidang teknologi informasi sepanjang 2021. information technology throughout 2021.
Kinerja inovasi dan pengembangan digital yang The digital development realized by BMI in 2021 received
direalisasikan oleh BMI pada tahun 2021 mendapatkan a positive response from external stakeholders. This can
respons positif dari pemangku kepentingan eksternal. Hal be seen in the number of awards bestowed on BMI during
itu, antara lain ditujukan melalui sejumlah penghargaan the year:
yang diberikan, misalnya:
1. 1st Rank Bank Umum Syariah BUKU 2 pada ajang 1. 1st Rank Islamic Commercial Bank BUKU 2 at the Infobank
Infobank 10th Digital Brand Awards 2021. 10th Digital Brand Awards 2021.
2. Bank Syariah Inovasi Digital Terbaik tahun 2021 Kategori 2. The Best Digital Innovation Sharia Bank in 2021 in the
Bank BUKU 2 pada Anugerah Syariah Republika 2021. Book 2 Bank Category at the 2021 Republika Sharia
Awards.
3. Top Mobile Application Award 2021 in Recognition of Top 3. Top Mobile Application Award 2021 in Recognition of the
Mobile Application dari Infobrand.id. Top Mobile Application from Infobrand.id.
4. Peringkat ke-1 SLE Satisfaction Loyalty Engagement 4. Rank 1st in the SLE Satisfaction Loyalty Engagement Index
Index 2021. 2021.
5. Peringkat ke-1 Satisfaction (Mobile Banking) kategori 5. Rank 1st in the Satisfaction (Mobile Banking) Category for
Bank Umum Syariah 2021. Islamic Commercial Banks 2021.
6. Peringkat ke-2 Satisfaction (Kantor Cabang) kategori 6. Rank 2nd in the Satisfaction (Branch Office) Category for
Bank Umum Syariah 2021. Islamic Commercial Banks 2021.

PENGELOLAAN SUMBER DAYA MANUSIA HUMAN CAPITAL MANAGEMENT

Bank secara konsisten terus memperhatikan pengelolaan The Bank focuses on the management and capacity
dan pengembangan karyawannya agar selaras dengan development of its employees to ensure that it can
strategi Bank untuk mewujudkan target, rencana tahunan, realize its targets, annual plans and long-term plans.
dan jangka panjang perusahaan. Strategi Human Capital The Bank’s Human Capital strategy in 2021 focused on
pada tahun 2021 difokuskan pada pengembangan organisasi organizational development and performance achievement
dan pencapaian kinerja melalui program pelatihan karyawan through employee training programs and effective talent
dan manajemen talenta yang efektif akan mendukung management. This strategy will support the achievement of
tercapainya prioritas strategi dan fokus Bank di tahun 2021. the Bank’s strategic priorities in 2022.
Dari sisi pelatihan dan pengembangan SDM, Bank In terms of training and HC development, Bank Muamalat
Muamalat Indonesia memberikan kesempatan yang sama Indonesia provides equal opportunities for all employees,
bagi setiap karyawan untuk mengembangkan dirinya, both personally and professionally, to ensure that the
baik secara personal maupun profesional dalam rangka capability of each employee is as a manifestation of the
memastikan kualitas dan kapabilitas karyawan sebagai Bank’s commitment to improving the quality of its services.
wujud komitmen Bank terhadap peningkatan kualitas Employee Development intends to ensure that the Bank’s
karyawan. Pengembangan bermaksud untuk menyiapkan Human Capital (HC) possess high integrity, are productive,
Sumber Daya Manusia (SDM) yang memiliki kualifikasi manage the organization’s operations based on digital
kompetensi yang andal, berintegritas tinggi serta produktif technology in order to achieve the set goals and are ready
yang mengelola jalannya organisasi dengan berbasiskan to deal with the industrial revolution era. Bank Muamalat
teknologi digital agar dapat mencapai tujuan yang telah has allocated a human capital investment of 5% of the total
ditetapkan dan siap menghadapi era revolusi industri. Bank Labor Cost (BTK) in accordance with FSA regulations. This
Muamalat telah mengalokasikan biaya investasi sumber budget is channeled to training and development programs.
daya manusia sebesar 5% dari total Biaya Tenaga Kerja (BTK)
sesuai dengan peraturan OJK. Anggaran tersebut disalurkan
untuk program pelatihan dan pengembangan.
Atas perhatian yang tinggi terhadap sumber daya manusia, In 2021, the Bank won several awards for its extraordinary
Bank meraih beberapa penghargaan pada tahun 2021. attention to human capital. One such award was the
Misalnya, penghargaan Indonesia Human Capital Award – VII Indonesia Human Capital Award – VII – 2021 with Platinum
– 2021 dengan predikat Platinum – A – Very Excellent untuk – A – with a Very Excellent predicate in the category of Public
kategori Public Company – Bank BUKU 2. Companies – BUKU 2 Banks.
Penghargaan tersebut merupakan wujud apresiasi The award is a form of appreciation bestowed on BMI by
pemangku kepentingan eksternal terhadap BMI. Karena external stakeholders. The Bank will continue to demonstrate
itu, Bank akan terus menunjukkan komitmennya terhadap its commitment to the management and development of its
pengelolaan dan pengembangan SDM di lingkungan Bank. human capital.
PELAKSANAAN TANGGUNG JAWAB IMPLEMENTATION OF CORPORATE

SOSIAL PERUSAHAAN SOCIAL RESPONSIBILITY
Pelaksanaan kegiatan tanggung jawab sosial perusahaan The implementation of corporate social responsibility (CSR)
(CSR) yang dijalankan oleh BMI pada prinsipnya adalah activities carried out by BMI aims to share the Company’s
berbagi manfaat kepada para pemangku kepentingan, benefits with its stakeholders, especially the general public.
khususnya masyarakat umum. Dengan demikian, nilai yang Thus, the profits made by the Bank are also distributed to
diterima oleh Bank juga didistribusikan kepada masyarakat the public through various programs.
melalui berbagai program.
Pada tahun 2021, upaya berbagi tersebut diwujudkan, In 2021, this sharing effort was realized through the Bank’s
antara lain melalui program kepedulian sosial Bank dalam social care program to help ease the burden on the people
rangka membantu meringankan beban masyarakat yang affected by the COVID-19 pandemic and victims of natural
terkena musibah COVID-19 serta korban bencana alam. disasters. One of such programs was the “Blessed Friday
Salah satunya melalui “Program Jumat Berkah”. Kegiatan ini Program.” This is a routine program carried out by the Bank’s
sebenarnya merupakan program rutin yang dilakukan oleh branches every Friday. Before the pandemic, employees
kantor cabang Bank setiap hari Jumat. Sebelum pandemi, distributed food to underprivileged communities around
karyawan membagikan makanan kepada masyarakat the branch offices.
kurang mampu yang ada di sekitar kantor cabang.

2021 Annual Report
Untuk mendukung upaya vaksinasi pemerintah, Bank juga To support the government’s vaccination efforts, the Bank
menyelenggarakan program vaksinasi bagi masyarakat also organized a vaccination program for the surrounding
sekitar. Program vaksinasi tersebut dilakukan atas kerja community. The vaccination program was carried out in
sama dengan berbagai instansi terkait, memanfaatkan collaboration with various relevant agencies, utilizing two
dua jalur vaksinasi yang tersedia, yaitu Vaksinasi Program available vaccination routes, namely the Government
Pemerintah (VPP) dan program Vaksinasi Gotong Royong Vaccination Program (VPP) and the Mutual Cooperation
(VGR). Vaccination (VGR) Program.
BMI juga menyelenggarakan (Gerakan Literasi Syariah) CSR BMI also held a virtual Sharia Literacy Movement (GEULIS)
(Geulis) secara virtual bersama SD Al-Azhar Kelapa Gading CSR with SD Al-Azhar Kelapa Gading Surabaya on 14 October
Surabaya pada tanggal 14 Oktober 2021 dan SD Al-Hikmah 2021 and with SD Al-Hikmah Surabaya on 15 October 2021.
Surabaya pada tanggal 15 Oktober 2021. CSR Geulis ini Geulis CSR is one of BMI’s social activities that aim to educate
merupakan salah satu kegiatan sosial BMI yang bertujuan the public about the sharia economy and support the
untuk mengedukasi masyarakat tentang perekonomian improvement of sharia literacy from an early age.
syariah dan mendukung peningkatan literasi syariah sejak
dini.
Selain dapat memberikan edukasi terkait perekonomian Besides providing information about the Islamic economy,
syariah, program tersebut juga diharapkan dapat the program is also expected to provide added value to
memberikan value added kepada nasabah atau mitra Bank. customers or Bank partners. BMI would like to thank the
BMI mengucapkan terima kasih untuk karyawan yang employees who have actively contributed to the inaugural
sudah berkontribusi aktif dalam kegiatan perdana CSR Geulis CSR program. The employees who participate
Geulis. Karyawan yang berpartisipasi dalam kegiatan CSR in CSR activities had the opportunity to get half a day’s
berkesempatan mendapatkan cuti setengah hari dengan leave by applying for a wellness program on the MHP
mengajukan wellness program pada permit di Aplikasi Mobile Application.
MHP Mobile.
PERUBAHAN KOMPOSISI DIREKSI CHANGES IN THE COMPOSITION OF THE

BOARD OF DIRECTORS
Sepanjang tahun 2021 tidak terjadi perubahan pada Throughout 2021, there were no changes in the composition
komposisi Direksi Bank. Dengan demikian, komposisi Direksi of the Bank’s Board of Directors. Thus, the composition of
hingga diterbitkannya laporan ini adalah sebagai berikut: the Board of Directors until the publication of this report is
as follows:
Direktur Utama Achmad Kusna Permana President Director

Direktur Bisnis Ritel Purnomo B. Soetadi Director of Retail Business
Direktur Keuangan Hery Syafril Finance Director
Direktur Operasi Awaldi Operations Director
Direktur Kepatuhan, Risiko dan Hukum Andri Donny Director of Compliance, Risk and Legal
Direktur Pembiayaan Avianto Istihardjo Director of Financing

APRESIASI DAN PENUTUP APPRECIATION AND CLOSING REMARKS

Rasa terima kasih kami sampaikan kepada seluruh Pemegang Our gratitude goes to all Shareholders who have entrusted
Saham atas kepercayaan kepada kami untuk menjalankan us with the management of BMI. We also thank the Board of
kepengurusan bisnis BMI. Terima kasih juga kami sampaikan Commissioners and the Sharia Supervisory Board for their
kepada Dewan Komisaris dan Dewan Pengawas Syariah atas supervision as well as input and direction in relation to the
pengawasan serta masukan dan arahan untuk kemajuan progress of the company.
perusahaan.
Kepada seluruh karyawan, kami menyampaikan apresiasi To the employees, we express our highest appreciation for
yang tinggi atas dedikasi serta profesionalitasnya dalam their dedication and professionalism in carrying out their
menjalankan tugas dan tanggung jawab di tengah beragam duties and responsibilities amid various challenges. We
tantangan yang dihadapi. Kami menyadari bahwa kontribusi realize that the contribution of all employees plays a very
dari seluruh karyawan sangat berperan dalam proses important role in the process of achieving the Bank’s targets,
pencapaian target serta visi misi Bank ke depan. as well as its vision and mission.
Apresiasi yang tinggi kami sampaikan kepada regulator yang We wish to convey our highest appreciation to the regulators
telah senantiasa mendukung seluruh proses aksi korporasi who always have supported the overall process of the Bank’s
Bank serta panduan agar kami tetap menjadi bank yang corporate action and guided us on our journey to remain
menjalankan usaha dengan integritas serta menyiarkan nilai a bank that conducts business activities with integrity and
tambah dari penerapan prinsip-prinsip syariah. Terima kasih broadcasts added value from the application of sharia
juga kami ucapkan kepada para nasabah atas kepercayaan principles. Also, a big thank you goes to the Bank’s customers
dan dukungan yang telah diberikan kepada Bank untuk for entrusting us with their banking needs and our business
melayani kebutuhan perbankan Anda serta mitra usaha atas partners for their ongoing cooperation.
kerja sama yang telah berjalan.
Dengan segala upaya yang telah kita lakukan bersama With all the efforts that we have made together for Bank
untuk Bank Muamalat di tahun 2021, kami meyakini Muamalat in 2021, we believe in Bank Muamalat’s resilience
ketangguhan Bank Muamalat dalam menghadapi berbagai in facing various challenges. With the presence of a new
tantangan. Dengan masuknya pemegang saham mayoritas majority shareholder with many potential synergies, we
baru dengan sejumlah potensi sinergi, kami berharap Bank hope that Bank Muamalat will be stronger to grow faster for
Muamalat akan semakin kuat untuk tumbuh lebih pesat bagi the benefit of the people in welcoming a brighter future.
kemaslahatan umat dalam menyongsong masa depan yang
lebih cerah.
Wassalamualaikum warahmatullahi wabarakatuh,
Achmad Kusna Permana

Direktur Utama
President Director

2021 Annual Report
Direksi dan Pejabat Eksekutif Senior

Board of Directors and Senior Executive Officers
Awaldi Achmad K. Permana Purnomo B. Soetadi Andri Donny

Direktur Operasi Direktur Utama Direktur Bisnis Ritel Direktur Kepatuhan, Risiko dan Hukum
Operation Director President Director Director of Retail Business Director of Compliance, Risk and Legal

Irvan Yulian Noor Hery Syafril Riksa Prakoso Avianto Istihardjo

Chief Wholesale Banking Officer Direktur Keuangan Chief Human Capital Officer Direktur Pembiayaan
Finance Director Director of Financing

2021 Annual Report
Direksi dan Pejabat Eksekutif Senior

Board of Directors and Senior Executive Officers
Hery Syafril Andri Donny Irvan Yulian Noor Awaldi

Direktur Keuangan Direktur Kepatuhan, Risiko dan Hukum Chief Wholesale Banking Officer Direktur Operasi
Finance Director Director of Compliance, Risk and Legal Operation Director

Achmad K. Permana Riksa Prakoso Purnomo B. Soetadi Avianto Istihardjo

Direktur Utama Chief Human Capital Officer Direktur Bisnis Ritel Direktur Pembiayaan
President Director Director of Retail Business Director of Financing

2021 Annual Report
Surat Pernyataan Dewan Komisaris

tentang Tanggung Jawab atas Laporan Tahunan 2021
PT Bank Muamalat Indonesia Tbk
Statement of the Board of Commissioners
regarding Responsibility for the 2021 Annual Report of
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned, hereby declare that all information in
bahwa semua informasi dalam Laporan Tahunan PT Bank the 2021 Annual Report of PT Bank Muamalat Indonesia Tbk
Muamalat Indonesia Tbk tahun 2021 telah dimuat secara has been fully disclosed and we are solely responsible upon
lengkap dan bertanggung jawab penuh atas kebenaran isi the accuracy of all contents of the Annual Report.
Laporan Tahunan dimaksud.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 28 April 2022 Jakarta, April 28, 2022
Dewan Komisaris
Ilham A. Habibie
Iggi H. Achsien Edy Setiadi

Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner

Surat Pernyataan Direksi

tentang Tanggung Jawab atas Laporan Tahunan 2021
Statement of the Board of Directors
regarding Responsibility for the 2021 Annual Report of
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned, hereby declare that all information in
bahwa semua informasi dalam Laporan Tahunan PT Bank the 2021 Annual Report of PT Bank Muamalat Indonesia Tbk
Muamalat Indonesia Tbk tahun 2021 telah dimuat secara has been fully disclosed and we are solely responsible upon
lengkap dan bertanggung jawab penuh atas kebenaran isi the accuracy of all contents of the Annual Report.
Laporan Tahunan dimaksud.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 28 April 2022 Jakarta, April 28, 2022
Direksi
Board of Directors
Achmad K. Permana Hery Syafril

Direktur Utama Direktur Keuangan
President Director Finance Director
Purnomo B. Soetadi Awaldi

Direktur Bisnis Ritel Direktur Operasi
Retail Banking Director Operation Director
Andri Donny Avianto Istihardjo

Direktur Kepatuhan, Risiko, dan Hukum Direktur Pembiayaan
Compliance, Risk, and Legal Director Financing Director

2021 Annual Report
Profil Perusahaan
Company Profile
64 Identitas Perusahaan 132 Profil Direksi dan Pejabat Eksekutif Senior

Company Identity Profile of the Board of Directors and Senior Executive
66 Riwayat Singkat Officers
History in Brief 148 Profil Pejabat Eksekutif
69 Logo Perusahaan Profile of Executive Officers
Company Logo 153 Statistik Karyawan
70 Jejak Langkah Employee Statistics
Milestones 170 Informasi Pemegang Saham Utama dan Pengendali
72 Visi, Misi, dan Nilai Perusahaan Information on Major and Controlling Shareholders
Vision, Mission, and Company Value 174 Kronologi Pencatatan Saham
74 Kegiatan Usaha Share Listing Chronology
Business Activities 175 Kronologi Pencatatan Efek Lainnya
77 Produk dan Layanan Chronology of Listing of Other Securities
Product and Services 176 Struktur Grup Perusahaan
89 Wilayah Operasional Company Group Structure
Operational Area 177 Profil Entitas Anak dan Entitas Asosiasi
102 Peta Jaringan Bisnis dan Wilayah Operasi Profile of Subsidiaries and Associates
Map of Business Network and Operating Areas 180 Daftar Entitas Anak dan Asosiasi
104 Struktur Organisasi List of Subsidiaries and Associates
Organization Structure 180 Kantor Akuntan Publik
106 Komite Level Organisasi Public Accounting Office
Board of Commissioners Level Committees 181 Nama dan Alamat Lembaga serta Profesi Penunjang
107 Komite Level Direksi Pasar Modal
Board of Directors Level Committees Name and Address of Capital Market Supporting
108 Profil Dewan Pengawas Syariah Institutions and Professionals
Profile of the Sharia Supervisory Board 183 Informasi pada Website Perusahaan
114 Profil Dewan Komisaris Information on the Company Website
Profile of the Board of Commissionners
Identitas Perusahaan
Company Identity
Nama Nama Panggilan Bidang Usaha

Name Initial Name Line of Business
PT Bank Muamalat Bank Muamalat Perbankan Syariah

Sharia Banking
Indonesia Tbk Indonesia (BMI)
Dasar Hukum Pendirian Kepemilikan Saham

Legal Basis of Establishment Share Ownership
Akta No. 1 tanggal 1 November 1991 Masehi atau 24 Rabiul • Badan Pengelola Keuangan Haji (BPKH)
Akhir 1412 H, dibuat di hadapan Yudo Paripurno, S.H., Hajj Financial Management Agency
Notaris, di Jakarta. Akta pendirian tersebut telah memperoleh (BPKH) : 82,65%
• Andre Mirza Hartawan : 5,19%
pengesahan Menteri Kehakiman Republik Indonesia dengan
• Apliani : 2,48%
Surat Keputusan No. C2-2413.HT.01.01 Tahun 1992 tanggal
• Reza Rhenaldi Syaiful : 2,19%
21 Maret 1992 dan telah didaftarkan pada kantor Pengadilan • Dewi Monita : 2,18%
Negeri Jakarta Pusat pada tanggal 30 Maret 1992 di bawah • Islamic Development Bank (IsDB) : 2,04%
No. 970/1992 serta diumumkan dalam Berita Negara Republik • Andre Latijah : 1,24%
Indonesia No. 34 tanggal 28 April 1992 Tambahan No. 1919A. • Siti Farida Syaiful : 0,36%
• Syaiful Amir : 0,34%
Deed No. 1 dated November 1, 1991 AD or Rabiul Akhir 24, • KOPKAPINDO : 0,28%
1412 H, made in the presence of Mr. Yudo Paripurno, S.H., • Masyarakat (masing-masing <1%)
Public (each <1%) : 1,05%
Notary, in Jakarta. The deed of establishment has obtained the
• Total : 100,00%
approval of the Minister of Justice of the Republic of Indonesia
with the Decree No. C2-2413.HT.01.01 Year 1992 dated March
21, 1992 and was registered at the Central Jakarta District Court
office on March 30, 1992 under No. 970/1992 and announced
Tanggal Pendirian
in the State Gazette of the Republic of Indonesia No. 34 dated Date of Establishment
April 28, 1992 Supplement No. 1919A.
1 November 1991 dan resmi beroperasi pada
1 Mei 1992
November 1, 1991 and officially operational on
Informasi Perubahan Nama May 1, 1992
Information on Changes Name
Efektif berubah menjadi PT Bank Muamalat Indonesia Tbk

pada 23 April 2008 dari sebelumnya bernama PT Bank Syariah Modal Dasar
Muamalat Indonesia Tbk. Authorized Capital
Rp5.600.000.000.000
Effectively changed to PT Bank Muamalat Indonesia Tbk
on 23 April 2008 from previously named PT Bank Syariah
Muamalat Indonesia Tbk.
Modal Ditempatkan
Issued Capital
Rp2.297.736.324.210

Jumlah Karyawan Tahun Buku Jaringan Layanan

Number of Employees for the Fiscal Year Network of Services
2.700 karyawan | employees 239 Kantor Layanan, terdiri dari | Service Offices, consisting of:
• Kantor Cabang | Branch Offices : 80
Tidak termasuk 561 pemagangan
• Kantor Cabang Pembantu| Sub-Branch Offices : 131
Excluding 561 apprenticeship • Kantor Kas | Cash Offices : 28
ATM : 568
Mobile Branch : 51
Sekretaris Perusahaan Jaringan ATM Bersama & ATM Prima
Corporate Secretary ATM Bersama & Prima ATM Network : ±120.000
corporate.affairs@bankmuamalat.co.id
Kontak Alamat
Contact Address
Alamat Kantor Pusat Sekretaris Perusahaan | Corporate Secretary

Head Office Address corporate.affairs@bankmuamalat.co.id
Muamalat Tower
Hubungan Investor | Investor Relations
Jl. Prof Dr Satrio, Kav. 18, Kuningan Timur,
Tel.: (021) 8066 6000
Setiabudi, Jakarta Selatan 12940
Fax.: (021) 8066 6001
Tel.: (021) 8066 6000
E-mail: investor.relations@bankmuamalat.co.id
Fax.: (021) 8066 6001
E-mail: info@bankmuamalat.co.id
Call Center
1500016
Media Sosial | Social Media

Alamat Kantor Cabang Luar Facebook : BankMuamalatIndonesia
Negeri Twitter : @BankMuamalat
Address of Overseas Branch Office Instagram : @bank.muamalat
YouTube : Bank Muamalat
Kantor Cabang Kuala Lumpur, Malaysia
Suite 1.03-1.05 Ground Floor No. 67
Wisma Goldhill Jalan Raja Chulan 50200
Kuala Lumpur Malaysia 50200 Entitas Asosiasi dan Afiliasi
Tel.: +603 2711 0807/7427 Associates and Affiliates
• PT Al Ijarah Indonesia Finance (ALIF)

• Baitulmaal Muamalat (BMM)
Situs • Dana Pensiun Lembaga Keuangan (DPLK) Muamalat
Website Muamalat Financial Institution Pension Fund
• Muamalat Institute
www.bankmuamalat.co.id • PT Syarikat Takaful Indonesia
Anggaran Dasar Terakhir

Most Recent Articles of Association
Akta No. 18 tanggal 28 Januari 2022 dibuat di hadapan Deed Number 18 dated January 28, 2022 made before
Notaris Ashoya Ratam, S.H. M.Kn, dan pemberitahuan atas Notary Ashoya Ratam, S.H. M.Kn, and the notification of the
perubahan anggaran dasarnya telah diterima dan dicatat amendment to the articles of association have been received
oleh Menteri Hukum dan Hak Asasi Manusia Republik and recorded by the Minister of Law and Human Rights of
Indonesia sesuai suratnya tertanggal 31 Januari 2022 No. the Republic of Indonesia in accordance with the letter dated
AHU-AH.01.03-0070769 serta diumumkan dalam Berita January 31, 2022 No. AHU-AH.01.03-0070769 and announced
Negara Republik Indonesia No. 10 tanggal 3 Februari 2022 in the State Gazette of the Republic of Indonesia Number 10
Tambahan Berita Negara Republik Indonesia No. 004853. dated February 3, 2022 Supplement to the State Gazette of the
Republic of Indonesia No. 004853.

2021 Annual Report
Riwayat Singkat
History in Brief
Perseroan merupakan bank pertama di Indonesia yang The Company is the first bank in Indonesia to use the
menggunakan konsep perbankan secara Syariah. Perseroan concept of Sharia banking. The Company was established
didirikan berdasarkan Akta Pendirian No. 1 tanggal 1 based on the Deed of Establishment No. 1 dated November
November 1991 Masehi atau 24 Rabiul Akhir 1412 Hijriah, 1, 1991 Anno Domini or Rabiul Akhir 24, 1412 Hijriah, made
dibuat dihadapan Yudo Paripurno, SH, Notaris, di Jakarta. before Yudo Paripurno, SH, Notary, in Jakarta. The deed of
Akta pendirian tersebut telah memperoleh pengesahan establishment was approved by the Minister of Justice of
Menteri Kehakiman Republik Indonesia dengan Surat the Republic of Indonesia with Decree No. C2-2413.HT.01.01
Keputusan No. C2-2413.HT.01.01 tahun 1992 tanggal 21 year 1992 dated March 21, 1992 and was registered at the
Maret 1992 dan telah didaftarkan pada kantor Pengadilan Central Jakarta District Court on March 30, 1992 under No.
Negeri Jakarta Pusat pada tanggal 30 Maret 1992 di bawah 970/1992 and announced in the State Gazette of the Republic
No. 970/1992 serta diumumkan dalam Berita Negara of Indonesia No. 34 dated April 28, 1992, Supplement
Republik Indonesia No. 34 tanggal 28 April 1992 tambahan No.1919A. The Bank’s Articles of Association have been
No. 1919A. Anggaran Dasar Bank telah beberapa kali amended several times, as was the most recent amendment
mengalami perubahan sebagaimana terakhir perubahan to the Articles of Association formulated in Deed No. 18
Anggaran Dasar yang dirumuskan pada Akta No. 18 tanggal dated January 28, 2022 made before Notary Ashoya Ratam,
28 Januari 2022 dibuat di hadapan Notaris Ashoya Ratam, S.H. M.Kn, and the notification of the amendment to the
S.H. M.Kn, dan pemberitahuan atas perubahan anggaran articles of association have been received and recorded by
dasarnya telah diterima dan dicatat oleh Menteri Hukum the Minister of Law and Human Rights of the Republic of
dan Hak Asasi Manusia Republik Indonesia sesuai suratnya Indonesia in accordance with the letter dated January 31,
tertanggal 31 Januari 2022 No. AHU-AH.01.03-0070769 serta 2022 No. AHU-AH.01.03-0070769 and announced in the State
diumumkan dalam Berita Negara Republik Indonesia No. 10 Gazette of the Republic of Indonesia No. 10 dated February
tanggal 3 Februari 2022 Tambahan Berita Negara Republik 3, 2022 Supplement to the State Gazette of the Republic of
Indonesia No. 004853. Indonesia No. 004853.
BMI didirikan atas gagasan dari Majelis Ulama Indonesia BMI was founded based on the idea coined by the Indonesian
(MUI), Ikatan Cendekiawan Muslim Indonesia (ICMI) dan Ulama Council (MUI), the Indonesian Muslim Intellectuals
pengusaha muslim yang kemudian mendapat dukungan Association (ICMI) and Muslim entrepreneurs, who later
dari Pemerintah Republik Indonesia. Perseroan telah received support from the Government of the Republic of
memperoleh izin untuk beroperasi sebagai bank umum Indonesia. The Company obtained its business license as
berdasarkan Surat Keputusan Menteri Keuangan Republik a commercial bank based on the Decree of the Minister of
Indonesia No. 430/KMK.013/1992 tentang Pemberian Finance of the Republic of Indonesia No. 430/KMK.013/1992
Izin Usaha Perseroan di Jakarta tanggal 24 April 1992, on Granting of Company Business License in Jakarta on
sebagaimana diubah dengan Surat Keputusan Menteri April 24, 1992, as amended by the Decree of the Minister
Keuangan No. 131/KMK.017/1995 tentang Perubahan of Finance No. 131/KMK.017/1995 on Amendment to the
Keputusan Menteri Keuangan No. 430/KMK.013/1992 Decree of the Minister of Finance No. 430/KMK.013/1992 on
tentang Pemberian Izin Usaha Perseroan tanggal 30 Maret Granting of Company Business License on March 30, 1995,
1995 yang dalam keputusannya memberikan izin kepada which in its decision granted the permission to the Company
Perseroan untuk dapat melakukan usaha sebagai bank to conduct business based on the Sharia principles.
umum berdasarkan prinsip syariah.
Bank Muamalat merupakan perusahaan publik yang Bank Muamalat is a public company whose shares are
sahamnya tidak tercatat di Bursa Efek Indonesia (BEI) dan not listed on the Indonesia Stock Exchange (IDX) and has
secara resmi beroperasi sebagai Bank Devisa sejak tanggal officially operated as a Foreign Exchange Bank since October
27 Oktober 1994 berdasarkan Surat Keputusan Direksi 27, 1994 based on the Decree of the Board of Directors of
Bank Indonesia No. 27/76/KEP/DIR tentang Penunjukan Bank Indonesia No. 27/76/KEP/DIR on the Appointment of
PT Bank Muamalat Indonesia Menjadi Bank Devisa tanggal PT Bank Muamalat Indonesia to be Foreign Exchange Bank
27 Oktober 1994. Berdasarkan Surat Keputusan Menteri dated October 27, 1994. Based on the Decree of the Minister

Keuangan No. S-79/MK.03/1995 tanggal 6 Februari 1995, of Finance No. S-79/MK.03/1995 dated February 6, 1995,
Perseroan secara resmi ditunjuk sebagai Bank Devisa the Company was officially appointed as the State Treasury
Persepsi Kas Negara. Perception Foreign Exchange Bank.
Berdasarkan Surat Keputusan Menteri Keuangan No. Based on the Decree of the Minister of Finance No. S-9383/
S-9383/MK.5/2006 tanggal 28 Desember 2006, Perseroan MK.5/2006 dated December 28, 2006, the Company obtained
memperoleh status Bank Persepsi yang mengizinkan Perception Bank status which allows the Company to receive
Perseroan untuk menerima setoran-setoran pajak. tax deposits. Then on July 25, 2013, the Company has
Kemudian pada tanggal 25 Juli 2013, Perseroan telah menjadi become a participant of the Deposit Insurance Corporation’s
peserta program penjaminan Lembaga Penjamin Simpanan guarantee program as stated in the Deposit Insurance
sebagaimana tercantum dalam Surat Lembaga Penjamin Corporation’s Letter No. S.617/DPMR/VII/2013 regarding
Simpanan No. S.617/DPMR/VII/2013 perihal Kepesertaan Membership of the Deposit Insurance Corporation. The
Lembaga Penjamin Simpanan. Perseroan lalu ditetapkan company was then designated as a Bank Receiving Deposits
sebagai Bank Penerima Setoran Biaya Penyelenggaraan for the Implementation of Hajj Services based on the
Ibadah Haji berdasarkan Surat Keputusan Badan Pengelola Decree of the Hajj Financial Management Agency No. 4/
Keuangan Haji No. 4/BPKH.00/2018 tanggal 28 Februari BPKH.00/2018 dated 28 February 2018.
2018.
BMI terus berinovasi dengan mengeluarkan produk-produk BMI continues to innovate by issuing sharia financial
keuangan syariah seperti Sukuk Subordinasi Mudharabah, products, such as Mudharabah Subordinated Sukuk, Sharia
Asuransi Syariah (Asuransi Takaful), Dana Pensiun Lembaga Insurance (Takaful Insurance), Muamalat Financial Institution
Keuangan Muamalat (DPLK Muamalat) dan multifinance Pension Fund (DPLK Muamalat) and Islamic Finance (Al-Ijarah
syariah (Al-Ijarah Indonesia Finance) yang seluruhnya Indonesia Finance), all of which are breakthrough products
menjadi terobosan baru di Indonesia. Selain itu, produk in Indonesian banking. In addition, the Bank’s product,
Shar-e yang diluncurkan pada 2004 merupakan tabungan Shar-e, launched in 2004, is also the first instant savings in
instan pertama di Indonesia. Indonesia.
Produk Shar-e Gold Debit Visa yang diluncurkan pada 2011 The Bank’s product, Shar-e Gold Debit Visa was launched in
berhasil memperoleh penghargaan dari Museum Rekor 2011 received an award from the Indonesian Record Museum
Indonesia (MURI) sebagai Kartu Debit Syariah dengan (MURI) as the Sharia Debit Card with the first chip technology
teknologi chip pertama di Indonesia serta layanan e-channel in Indonesia, as well as e-channel services, such as internet
seperti internet banking, mobile banking, ATM, dan cash banking, mobile banking, ATM, and cash management. All
management. Seluruh produk-produk itu menjadi pionir of these products have become pioneers of Sharia products
produk syariah di Indonesia dan menjadi tonggak sejarah in Indonesia and have become key milestones in the Islamic
penting di industri perbankan syariah. banking industry.
Seiring kapasitas Bank yang semakin besar dan diakui, BMI As the Bank’s capacity and recognition increase, BMI is
kian melebarkan sayap dengan terus menambah jaringan expanding its business by continuing its branch office
kantor cabangnya tidak hanya di seluruh Indonesia, akan network not only in Indonesia, but also overseas. In 2009, the
tetapi juga di luar negeri. Pada 2009, Bank mendapatkan izin Bank obtained permission to open a branch office in Kuala
untuk membuka kantor cabang di Kuala Lumpur, Malaysia Lumpur, Malaysia and became the first bank in Indonesia
dan menjadi bank pertama di Indonesia serta satu-satunya and the only one to realize business expansion in Malaysia.
yang mewujudkan ekspansi bisnis di Malaysia. Hingga saat To date, the Bank has 239 service offices including 1 (one)
ini, Bank telah memiliki 239 kantor layanan termasuk 1 (satu) branch office in Malaysia. The Bank’s operations are also
kantor cabang di Malaysia. Operasional Bank juga didukung supported by an extensive service network consisting of 568
oleh jaringan layanan yang luas berupa 568 unit ATM Muamalat ATM units, 120,000 ATM Bersama and Prima ATM
Muamalat, 120.000 jaringan ATM Bersama dan ATM Prima, networks, 51 Mobile Cash Car units.
51 unit Mobil Kas Keliling.

2021 Annual Report
BMI melakukan rebranding pada logo Bank untuk semakin BMI rebranded the Bank’s logo to further increase
meningkatkan awareness terhadap image sebagai Bank awareness of its image as an Islamic, Modern, and
Syariah Islami, Modern dan Profesional. Bank pun terus Professional Sharia Bank. The Bank continues to realize
merealisasikan berbagai pencapaian serta prestasi yang various achievements, and has received recognition both
diakui, baik secara nasional maupun internasional. Kini, nationally and internationally. Now, in providing its best
dalam memberikan layanan terbaiknya, BMI beroperasi service, BMI operates with several associates and affiliates,
bersama beberapa entitas asosiasi dan afiliasinya yaitu namely Al- Ijarah Indonesia Finance (ALIF) which provides
Al- Ijarah Indonesia Finance (ALIF) yang memberikan sharia financing services, (DPLK Muamalat) which provides
layanan pembiayaan syariah, (DPLK Muamalat) yang pension fund services through Financial Institution Pension
memberikan layanan dana pensiun melalui Dana Pensiun Funds, Muamalat Institute which is an institution that
Lembaga Keuangan, Muamalat Institute yaitu lembaga develops, disseminates and provides education regarding
yang mengembangkan, mensosialisasikan dan memberikan sharia economic system to the community, and Baitulmaal
pendidikan mengenai sistem ekonomi syariah kepada Muamalat which provides services to distribute Zakat, Infaq,
masyarakat, dan Baitulmaal Muamalat yang memberikan and Alms (ZIS) funds.
layanan untuk menyalurkan dana Zakat, Infak, dan Sedekah
(ZIS).
Informasi Perubahan Nama Information on Changes of Name

Sesuai dengan akta pendirian yakni Akta No. 1 tanggal In accordance with the deed of establishment, namely
1 November 1991 Masehi atau 24 Rabiul Akhir 1412 H, Deed No. 1 dated November 1, 1991 AD, or Rabiul Akhir
dibuat di hadapan Yudo Paripurno, S.H., Notaris, di Jakarta, 24, 1412 H, made before Yudo Paripurno, S.H., Notary,
BMI didirikan dengan nama PT Bank Muamalat Indonesia. in Jakarta, BMI was established under the name PT Bank
Kemudian, merujuk pada merujuk Surat Keputusan Direksi Muamalat Indonesia. Then, referring to Decree of the Board
Bank Indonesia No. 32/34/KEP/DIR tanggal 12 Mei 1999 of Directors of Bank Indonesia No. 32/34/KEP/DIR dated May
tentang Bank Umum berdasarkan Prinsip Syariah yang 12, 1999 on Commercial Banks Based on Sharia Principles,
menentukan kewajiban mencantumkan kata “Syariah” which obliged the Company to include the word “Sharia”
setelah kata “Bank” dan disahkan pada Rapat Umum after the word “Bank”, the Bank changed its name to PT
Pemegang Saham Luar Biasa tanggal 22 Juni 2000, Bank Bank Syariah Muamalat Indonesia Tbk, which was ratified at
berganti nama menjadi PT Bank Syariah Muamalat the General Meeting of Shareholders Extraordinary Shares
Indonesia Tbk. dated June 22, 2000.
Setelahnya, pada 23 April 2008 berdasarkan hasil Rapat Afterward, based on the results of the Extraordinary General
Umum Pemegang Saham Luar Biasa, Bank kembali Meeting of Shareholders on April 23, 2008 the Bank changed
mengganti namanya, menggunakan nama sebelumnya yakni its name again to its previous name, namely PT Bank
PT Bank Mualamat Indonesia Tbk. Hal ini dilakukan sesuai Mualamat Indonesia Tbk. This is done in accordance with
dengan UU No. 21 tahun 2008 tentang Perbankan Syariah Law No. 21 of 2008 on Sharia Banking Article 5 paragraph
Pasal 5 ayat 4 di mana pencantuman kata “Syariah” setelah 4, where the inclusion of the word “Sharia” after the word
kata “Bank” hanya berlaku bagi bank yang mendapatkan “Bank” only applies to banks that have obtained a business
izin usaha setelah berlakunya UU Perbankan Syariah No. 21 license after the enactment of the Sharia Banking Law No. 21
tahun 2008. of 2008.

Logo Perusahaan
Company Logo
Simbol Huruf Letter Symbol

Simbol huruf yang diambil dari alfabet arab (hijaiyah) “Dal- The letter symbol is taken from the Arabic alphabet (hijaiyah)
Yaa’- Nuun” memiliki makna ganda yaitu: “Dal-Yaa’- Nuun” has a dual meaning, namely:
1. “Ad Diin” yang berarti agama (Islam). 1. “Ad Deen” means religion (Islam).
2. “Madaniyah” yang mewakili niat-niat luhur Bank 2. “Madaniyah” represents the noble intentions of Bank
Muamalat Indonesia untuk mewujudkan masyarakat Muamalat Indonesia to create a just and prosperous
yang sejahtera, adil dan makmur sesuai konsep Islam. society in accordance with the Islamic concept.
Warna Color
Terdiri dari 2 warna Hijau dan Ungu yang keduanya juga Consists of two colors which are Green and Purple. Both
memiliki makna sebagai berikut: have the following meanings:
1. Hijau yang merepresentasikan nilai universal yang segar, 1. Green represents a clear universal value, in accordance
memiliki kesesuaian dengan gambaran dunia Islam with the relevant description of the Islamic world to
sehingga relevan menggambarkan nilai Islami. describe Islamic values.
2. Ungu pada huruf dan tulisan Bank Muamalat, 2. Purple on the letters and writings of Bank Muamalat
memberikan makna kedewasaan dan kemapanan yang means maturity and stability in accordance with the
sesuai dengan nilai profesionalisme. professionalism value.
Tulisan Tagline
“Pertama Murni Syariah” merupakan simbolisasi bahwa “First Pure Sharia” is a symbol that Bank Muamalat Indonesia
Bank Muamalat Indonesia adalah Bank Syariah pertama di is the first Sharia Bank in Indonesia.
Indonesia.

2021 Annual Report
Jejak Langkah
Milestones
2000
Bank Muamalat Indonesia melakukan
perubahan atau pergantian nama
menjadi Bank Syariah Muamalat
Indonesia yang disahkan pada Rapat
Umum Pemegang Saham Luar Biasa
2007
tanggal 22 Juni 2000.
Pendirian Al-Ijarah Indonesia Finance
Bank Muamalat Indonesia changed (ALIF) sebagai multifinance syariah
its name to Bank Syariah Muamalat pertama di Indonesia.
Indonesia pursuant to the
1991 Extraordinary General Meeting of
Shareholders on June 22, 2000.
Establishment of Al-Ijarah Indonesia
Finance (ALIF) as the first sharia
multifinance in Indonesia.
Pendirian Bank Muamalat Indonesia
sebagai Bank syariah pertama di
Indonesia pada 1 November 1991 atau
24 Rabiul Akhir 1412 H.
2002 2008
The establishment of Bank Muamalat Penawaran Umum Terbatas II Seri • Penerbitan Sukuk Subordinasi
Indonesia as the first Islamic bank in Saham C dengan Hak Memesan Efek Mudharabah II sebesar Rp314 miliar.
Indonesia on November 1, 1991 or Terlebih Dahulu. • Bank kembali menggunakan nama PT
Rabiul Akhir 24, 1412 H. Bank Muamalat Indonesia Tbk tahun
Limited Public Offering II Series C 2008 sesuai dengan keputusan Rapat
Shares with Pre-emptive Rights Umum Pemegang Saham Luar Biasa
1992 tanggal 23 April 2008.
Mulai beroperasi pada 1 Mei 1992 atau 2003 • Issuance of Mudharabah II

Subordinated Sukuk in the amount of
27 Syawal 1412 H dan menjadi pelopor Rp314 billion.
bisnis keuangan syariah lainnya. Menerbitkan Sukuk Subordinasi • The Bank changed its name back to
Mudharabah I sebesar Rp200 PT Bank Muamalat Indonesia Tbk in
Commenced operations on May 1, miliar sebagai sukuk pertama yang accordance with the resolution of
1992 or Shawal 27, 1412 H and became diterbitkan oleh lembaga perbankan di the Extraordinary General Meeting of
a pioneer for other sharia financial Indonesia. Shareholders dated April 23, 2008.
businesses.
Issued Mudharabah I Subordinated
1993
Sukuk in the amount of Rp200 billion
as the first sukuk issued by banking 2009
institution in Indonesia.
Perseroan menjadi Perusahaan Pembukaan kantor cabang
Terbuka yang tidak tercatat sahamnya internasional pertama di Kuala Lumpur,
di Bursa.
2004 Malaysia.
The Company became a Public The opening of the first international

Company whose shares are not listed Peluncuran produk Shar-e yang branch office in Kuala Lumpur,
on the Stock Exchange. merupakan tabungan instan pertama di Malaysia.
Indonesia melalui ribuan jaringan online
Kantor Pos di seluruh Indonesia, yakni
1994 System Online Payment Point (SOPP).
2010
Memperoleh izin sebagai Bank Devisa The launch of Shar-e product as the
first instant savings in Indonesia Penawaran Umum Terbatas IV Seri
pada 27 Oktober 1994. Saham C dengan Hak Memesan Efek
through thousands of Post Office online
networks throughout Indonesia called Terlebih Dahulu.
Obtained license as a Foreign Exchange
Bank on October 27, 1994. System Online Payment Point (SOPP).
Limited Public Offering IV Series C
Shares with Pre-emptive Rights.
1998 2005
• Penawaran Umum Terbatas I Seri Penawaran Umum Terbatas III Seri 2011
Saham B dengan Hak Memesan Efek Saham C dengan Hak Memesan Efek
Terlebih Dahulu Terlebih Dahulu. Peluncuran produk Shar-e Gold Debit
• Pendirian Dana Pensiun Lembaga Visa.
Keuangan (DPLK) Muamalat. Limited Public Offering III Series C
Shares with Pre-emptive Rights. The launch of the Shar-e Gold Debit
• Limited Public Offering I Series B Visa Card.
Shares with Pre-emptive Rights
• Establishment of Muamalat Financial
Institution Pension Fund (DPLK).

2019
Meluncurkan aplikasi mobile banking
terbaru yaitu Muamalat Digital Islamic
Network (DIN) yang dilengkapi dengan
berbagai fitur terbaru yang dirancang
untuk melakukan transaksi finansial
maupun non finansial secara real time
dengan fitur yang lebih aman.
The launching of the latest mobile

2016 banking application, Muamalat
Digital Islamic Network (DIN), which is
equipped with various latest features
Meluncurkan aplikasi Muamalat
2012 Mobile Banking.
designed to conduct financial and non-
financial transactions in real time with
more secure features.
• Bank Muamalat Indonesia melakukan Launch of Muamalat Mobile Banking
rebranding atau perubahan logo. application.
• Menerbitkan Sukuk Subordinasi
Mudharabah Berkelanjutan I Tahap I 2020
Tahun 2012 senilai Rp800 miliar.
Menerima penghargaan sebagai
• Bank Muamalat Indonesia engaged in Peringkat ke-1 Digital Brand Awards
a rebranding with a logo change. Bank Umum Syariah BUKU 2 dengan
• Issuance of Shelf-Registration
Mudharabah Subordinated Sukuk
2017 Aset Rp25 triliun ke Atas dari Infobank.
I Tranche I 2012 in the amount of Awarded Rank 1st Digital Brand Awards
Rp800 billion. Pada bulan Juli 2017, Bank Muamalat Sharia Commercial Banks BUKU 2
Indonesia menerbitkan Medium Term with Assets Above Rp25 trillion from
Notes Sharia (MTNS) dengan total nilai Infobank.
Rp200 miliar, yang terdiri dari Rp100
2013 miliar MTNS subordinasi dengan tenor
5 tahun dan Rp100 miliar MTNS dengan
• Penawaran Umum Terbatas V Saham tenor 3 tahun.
Seri B dengan Hak Memesan Efek
Terlebih Dahulu In July 2017, Bank Muamalat issued 2021
• Menerbitkan Sukuk Subordinasi Medium Term Notes Sharia (MTNS)
Mudharabah Berkelanjutan I Tahap II with a total of Rp200 billion, consisting
tahun 2013 senilai Rp700 miliar. of Rp100 billion subordinated MTNS • Bank Muamalat masuk
with 5-year tenor and Rp100 billion
MTNS with 3-year tenor. Jajaran Bank Terbaik Dunia
• Limited Public Offering V Series B
Versi Forbes
Shares with Pre-emptive Rights
• Issuance of Shelf-Registration • Bank Muamalat menerbitkan
Mudharabah Subordinated Sukuk I
Tranche II 2013 in the amount of
2018 Sukuk Mudharabah Bank
Muamalat Indonesia
Rp700 billion. • Meluncurkan kampanye #AyoHijrah Tahun 2021 pada tanggal
yang mengajak masyarakat untuk 15 November 2021 tanpa
2015 berhijrah dalam hal layanan syariah.
Kampanye #AyoHijrah dilandasi oleh Penawaran Umum dengan
cita-cita Bank yang ingin menjadi tanggal jatuh tempo pada 15
Peresmian Muamalat Tower sebagai pusat ekosistem ekonomi syariah November 2041.
Kantor Pusat Bank Muamalat Indonesia di Indonesia. Bank Muamalat • Penawaran Umum Terbatas
di mana Otoritas Jasa Keuangan Indonesia ingin turut membangun
telah memberikan persetujuan atas industri halal di dalam negeri yang (Penambahan Modal Dengan
pemindahan alamat kantor pusat Bank diselaraskan dengan perkembangan Hak Memesan Efek Terlebih
Muamalat berdasarkan Surat Otoritas teknologi digital. Dahulu) VI Saham Seri C.
Jasa Keuangan No. S-65/PB.1/2015 • Menerbitkan Sukuk Subordinasi
perihal Permohonan Izin Pemindahan Mudharabah Trust Certificate senilai
Alamat Kantor Pusat Operasional dan Rp1,6 triliun. • Bank Muamalat is ranked
Non Operasional PT Bank Muamalat among the World’s Best Banks
Indonesia Tbk. • Launched the #AyoHijrah campaign according to Forbes.
inviting people to migrate to Islamic • Bank Muamalat issued the
Inauguration of Muamalat Tower as banking services. #AyoHijrah
the Head Office of Bank Muamalat campaign is the embodiment of
Bank Muamalat Indonesia
Indonesia where the Financial Services the Bank’s ideals to be the center Sukuk Mudharabah Year
Authority has given the approval for the of the Islamic economic ecosystem 2021 on November 15, 2021
change of address of Bank Muamalat’s in Indonesia. Bank Muamalat without a Public Offering with
head office based on the Financial Indonesia wants to support domestic
Services Authority Letter No. S-65/ halal industries aligned with the
a maturity date on November
PB.1/2015 on Application for Permit development of digital technology. 15, 2041.
for Change of Address for Operational • Issuance of Mudharabah • Limited Public Offering
and Non-Operational Head Office of Subordinated Sukuk Trust Certificate (Issuance of New Shares with
PT Bank Muamalat Indonesia Tbk. in the amount of Rp1.6 trillion.
Pre-emptive Right) VI Series C
Shares.

2021 Annual Report
Visi, Misi, dan Nilai Perusahaan

Vision, Mission, and Corporate Value
Review terhadap Visi dan Misi Perusahaan Review on the Company’s Vision and Mission
Bank Muamalat Indonesia telah melakukan kajian dan review Bank Muamalat Indonesia has conducted studies and reviews
mengenai kesesuaian Visi dan Misi Perusahaan terhadap on the suitability of the Company’s Vision and Mission to the
kondisi Bank saat ini dan tantangan usaha yang akan current condition of the Bank and the business challenges
dihadapi ke depan. Dengan demikian, disimpulkan bahwa that will be faced in the future. Therefore, it is concluded that
Visi dan Misi Perusahaan masih sesuai dengan kondisi the Company’s Vision and Mission are still in accordance with
Bank Muamalat Indonesia saat ini dan tantangan yang akan the current condition of Bank Muamalat Indonesia and the
dihadapi Bank ke depan. Oleh karenanya Surat Keputusan challenges that the Bank will face in the future. Therefore, the
Direksi No. 238/DIR/KPTS/V/2016 masih dinyatakan berlaku Decree of the Board of Directors No. 238/DIR/KPTS/V/2016 is
dan tidak mengalami perubahan. still valid and has not changed.
VISI Vision MISI Mission

“Menjadi Bank Syariah Terbaik dan “Membangun Lembaga Keuangan Syariah
termasuk dalam 10 Bank Terbesar yang Unggul dan Berkesinambungan dengan
di Indonesia dengan eksistensi penekanan pada semangat kewirausahaan
penguasaan yang diakui di tingkat berdasarkan prinsip kehati-hatian, keunggulan
regional.” sumber daya manusia yang islami dan
profesional serta orientasi investasi yang
“To be the Best Islamic and one of the Top inovatif untuk memaksimalkan nilai kepada
10 Banks in Indonesia with Strong Regional seluruh pemangku kepentingan.”
Presence.”
“To develop an excellent and sustainable
Islamic financial institution with emphasis
on entrepreneurial spirit based on prudent
principles and excellent and professional
human resources with strong adherence
to Islamic values, and oriented towards
innovative investment to optimize values
which benefit all stakeholders.”
Nilai-nilai Muamalat Muamalat Values

Nilai-nilai Bank Muamalat Indonesia sebagai cara kerja The values of Bank Muamalat Indonesia are a way of
yang harus dilakukan oleh seluruh karyawan Bank, diyakini working that should be implemented by all employees and
mampu mengantarkan Bank Muamalat Indonesia mencapai are believed to be capable of delivering Bank Muamalat
visi dan misinya. Nilai Utama Bank Muamalat Indonesia Indonesia to achieve its vision and mission. The Core
adalah Islami–Modern–Profesional, yang kemudian values of Bank Muamalat Indonesia are Islamic–Modern–
diturunkan menjadi 5 (lima) perilaku utama: Islami Professional. These Core values are expanded into five main
diturunkan menjadi Integritas, Modern diturunkan menjadi behaviours. Islamic value translates into Integrity, Modern
Terbuka dan Tanggap, Profesional diturunkan menjadi value translates into Openness and Responsiveness,
Kompeten dan Prima. Kelima perilaku utama tersebut untuk and Professional value translates into Competence and
selanjutnya diturunkan masing-masing memiliki 7 (tujuh) Excellence. Each of these 5 (five) main behaviors becomes
indikator perilaku dan 11 Do’s and Dont’s sebagai panduan the basis for 7 (seven) behavior indicators and 11 Do’s and
karyawan dalam penerapan nilai-nilai tersebut dalam Don’ts that employees use as a guideline in performing their
pelaksanaan kerja sehari-hari. daily tasks.

PROFESIONAL MODERN
PROFESSIONAL Insan Muamalat adalah
Insan Muamalat adalah manusia yang selalu
manusia yang selalu
KOMPETEN dan TANGGAP dan mengikuti perkembangan
bertanggung jawab inovatif dalam
memberikan yang terbaik zaman, namun tetap
terhadap tugas dan memberikan solusi
dalam melakukan kewajiban RESPONSIVE and memperhatikan
COMPETENT and innovative in kesesuaiannya dengan
pekerjaannya responsible for duties providing solutions
and obligations
nilai Islami
Insan Muamalat
always gives their Insan Muamalat follow
best in doing the latest developments,
their work but are still
concerned with
Berorientasi Berpikir positif
pada proses dan dan TERBUKA Islamic values
layanan PRIMA terhadap
Process oriented perubahan
and service Think positiive and
EXCELLENT OPEN to change
Menjaga INTEGRITAS dalam setiap aktivitas sesuai

ajaran Islam, etika dan aturan yang berlaku
Maintain INTEGRITY in every activity according to
Islamic teachings, ethics and applicable rules
ISLAMI
ISLAMIC
Insan Muamalat adalah manusia yang memiliki integritas dan
menunjukkan akhlakul karimah dalam perilakunya sehari-hari
Insan Muamalat constantly follows current development, but remains
considerate towards Islamic values
Muamalat IDEAL
Nilai Utama Muamalat | Muamalat Core Values
ISLAMI MODERN PROFESIONAL

ISLAMIC PROFESSIONAL
Perilaku Utama | Main Behaviours
Integritas Terbuka Tanggap Kompeten Prima

Integrity Open-Minded Responsive Competent Excellent
Menjaga integritas dalam Berpikir positif dan terbuka Tanggap dan inovatif Kompeten dan bertanggung Berorientasi pada proses
setiap aktivitas sesuai ajaran terhadap perubahan dalam memberikan solusi jawab terhadap tugas dan dan layanan prima
Islam, etika dan aturan yang kewajiban
berlaku
Maintaining integrity in every Thinking positive and willing Being responsive and Being competent and Process oriented and
activity according to Islamic to adapt innovative in providing responsible in duties excellent services
teaching, applicable ethics solutions
and rules

2021 Annual Report
Kegiatan Usaha
Business Activities
Bank Muamalat Indonesia menjalankan kegiatan usaha pokok Bank Muamalat Indonesia’s main business activities include
yaitu menghimpun dana dari masyarakat dan menyalurkan raising funds from the public and channeling them back
kembali dalam bentuk pembiayaan berdasarkan prinsip in the form of financing based on Sharia principles. In
Syariah, Di samping melakukan transaksi antar bank addition to conducting interbank transactions based on
berdasar prinsip syariah, Bank juga melakukan transaksi sharia principles, the Bank also carries out national and
pembayaran dan perdagangan nasional dan internasional, international payment and trade transactions, which include
yang mencakup jasa kiriman uang, inkaso/collection, money transfer services, collections, foreign exchange
transaksi valuta asing, dan pembiayaan ekspor-impor dalam transactions, and export-import financing in the form of
bentuk letter of credit (L/C) yang memberikan pendapatan letters of credit (L/C) which provide fee/commission income
imbal jasa/komisi kepada Bank. to the Bank.
Sesuai Anggaran Dasar Pursuant to the Articles of Association

Mengacu pada Anggaran Dasar Perusahaan yakni Akta Referring to the Articles of Association of the Company,
No. 51 tanggal 30 Agustus 2021 dibuat di hadapan namely Deed No. 51 dated August 30, 2021 made before
Notaris Ashoya Ratam, S.H. M.Kn, dan telah memperoleh Notary Ashoya Ratam, S.H. M.Kn, and has obtained approval
persetujuan dari Menteri Hukum dan Hak Asasi Manusia from the Minister of Law and Human Rights of the Republic
Republik Indonesia sesuai Surat Keputusannya tertanggal of Indonesia in accordance with the Decree dated September
25 September 2021 No. AHU-0052441.AH.01.02. tahun 25, 2021 No. AHU-0052441.AH.01.02. Year 2021 and the
2021 serta pemberitahuan atas perubahan anggaran notification of the amendment to the articles of association
dasarnya telah diterima dan dicatat oleh Menteri Hukum have been received and recorded by the Minister of Law and
dan Hak Asasi Manusia Republik Indonesia sesuai suratnya Human Rights of the Republic of Indonesia in accordance
tertanggal 25 September 2021 No. AHU-AH.01.03-0453018 with the letter dated September 25, 2021 No. AHU-
serta diumumkan dalam Berita Negara Republik Indonesia AH.01.03-0453018 and announced in the State Gazette of
No. 78 tanggal 28 September 2021 Tambahan Berita the Republic of Indonesia No. 78 dated September 28, 2021
Negara Republik Indonesia No. 030306., disebutkan bahwa Supplement to the State Gazette of the Republic of Indonesia
maksud dan tujuan Bank Muamalat Indonesia adalah yaitu No. 030306., it is stated that the purpose and objective of
menyelenggarakan usaha perbankan berdasarkan prinsip Bank Muamalat Indonesia are to conduct banking business
syariah. Untuk mencapai maksud dan tujuan tersebut, Bank based on sharia principles. To achieve these aims and
menerapkan prinsip syariah dalam melakukan kegiatan objectives, the Bank applies sharia principles in conducting
usaha sebagai berikut: the following business activities:
1. Menghimpun dana dari masyarakat meliputi: 1. Collecting funds from the community which include:
a. Bentuk simpanan berupa: a. Deposits in the form of:
i. giro berdasarkan akad Wadi’ah atau akad lain i. current Accounts based on the Wadi’ah contract
yang tidak bertentangan dengan prinsip syariah; or other contracts that do not conflict with Sharia
principles;
ii. tabungan berdasarkan akad Wadi’ah atau akad ii. savings Accounts based on the Wadi’ah contract
lain yang tidak bertentangan dengan prinsip or other contracts that do not conflict with Sharia
syariah; atau principles; or
iii. bentuk lain berdasarkan akad Wadi’ah atau iii. other forms, based on the Wadi’ah contract or
atau akad lain yang tidak bertentangan dengan other contracts that do not conflict with Sharia
prinsip syariah. principles.
b. Bentuk investasi berupa: b. Types of investment:
i. deposito berjangka berdasarkan akad i. time deposits based on Mudharabah contract or
Mudharabah atau akad lain yang tidak other contracts that do not conflict with Sharia
bertentangan dengan prinsip syariah; principles;
ii. tabungan berdasarkan akad Mudharabah atau ii. savings Account based on Mudharabah contract
akad lain yang tidak bertentangan dengan or other contracts that do not conflict with Sharia
prinsip syariah; atau principles; or

iii. bentuk lainnya berdasarkan akad Mudharabah iii. other forms based on Mudharabah contract or other
atau akad lain yang tidak bertentangan dengan contracts that do not conflict with Sharia principles.
prinsip syariah.
2. Menyalurkan Pembiayaan 2. Financing
a. Untuk transaksi jual beli berdasarkan akad a. For sale and purchase transactions based on
antara lain: contracts, such as:
i. Murabahah. i. Murabahah.
ii. Istishna. ii. Istishna.
iii. Salam. iii. Salam.
iv. Akad lain berdasarkan prinsip syariah. iv. Other contracts are based on Sharia principles.
b. Untuk transaksi bagi hasil berdasarkan akad b. For profit sharing transactions based on contracts,
antara lain: such as:
i. Mudharabah. i. Mudharabah.
ii. Musyarakah. ii. Musyarakah.
iii. Akad lain berdasarkan prinsip syariah. iii. Other contracts are based on Sharia principles.
c. Penyewaan barang benda bergerak atau tidak c. Lease of movable or immovable property based on a
bergerak berdasarkan akad antara lain: contract including:
i. Ijarah. i. Ijarah.
ii. Ijarah muntahiya bittamlik. ii. Ijarah muntahiya bittamlik.
iii. Akad lain berdasarkan prinsip syariah. iii. Other contracts are based on Sharia principles.
d. Untuk transaksi pinjam meminjam berdasarkan: d. For lending and borrowing transactions based on:
i. Akad Qardh. i. Qardh contract.
ii. Akad lain berdasarkan prinsip syariah. ii. Other contracts are based on Sharia principles.
3. Melakukan pemberian jasa pelayanan perbankan 3. Providing banking services based on sharia principles,
berdasarkan akad prinisp syariah antara lain: including:
a. Wakalah. a. Wakalah.
b. Hawalah. b. Hawalah.
c. Kafalah. c. Kafalah.
d. Rahn. d. Rahn.
4. Membeli, menjual dan/atau menjamin atas risiko sendiri 4. Purchasing, selling and/or guaranteeing on their own risk
surat berharga pihak ketiga yang diterbitkan atas dasar third party securities issued on the basis of underlying
transaksi nyata (underlying transaction) berdasarkan transactions based on Sharia principles.
prinsip syariah.
5. Membeli surat berharga berdasarkan prinsip syariah 5. Purchasing securities based on Sharia principles issued
yang diterbitkan oleh Pemerintah dan/atau Bank by the Government and/or Bank of Indonesia.
Indonesia.
6. Menerima pembayaran dari tagihan atas surat berharga 6. Receiving payments from bills for securities and
dan melakukan perhitungan dengan pihak ketiga atau performing calculations with third parties or between
antar pihak ketiga berdasarkan prinsip syariah. third parties based on Sharia principles.
7. Memindahkan uang untuk kepentingan sendiri dan/atau 7. Transferring money for their own interests and/or
nasabah berdasarkan prinsip syariah. customers based on Sharia principles.
8. Menerima pembayaran tagihan atas surat berharga 8. Receiving bill payments for securities issued and
yang diterbitkan dan melakukan perhitungan dengan calculating with or between third parties based on Sharia
atau antar pihak ketiga berdasarkan prinsip syariah. principles.
9. Menyediakan tempat untuk menyimpan barang dan 9. Providing a place to store goods and securities based on
surat-surat berharga berdasarkan prinsip wadi’ah yad the principles of Wadi’ah yad Amanah or other principles
amanah atau prinsip lain berdasarkan prinsip syariah. based on Sharia principles.

2021 Annual Report
10. Melakukan kegiatan penitipan termasuk 10. Conduct safekeeping activities including administration
penatausahaannya untuk kepentingan pihak lain for the benefit of other parties based on a contract with
berdasarkan suatu kontrak dengan prinsip wakalah; the principle of wakalah;
11. Memberi fasilitas letter of credit (L/C) berdasarkan prinsip 11. Providing letter of credit (L/C) facilities based on Sharia
syariah. principles.
12. Memberikan fasilitas garansi bank berdasarkan prinsip 12. Providing bank guarantee facilities based on Sharia
13. Melakukan kegiatan usaha kartu debit, charge card 13. Conducting debit card business activities, charge cards
berdasarkan prinsip syariah. based on Sharia principles.
14. Melakukan kegiatan wali amanat berdasarkan akad 14. Conducting trustee activities based on Wakalah contract.
Wakalah.
15. Melakukan kegiatan lain yang lazim dilakukan Bank 15. Carrying out other activities normally carried out by
sepanjang disetujui oleh Otoritas Jasa Keuangan dan a Bank as long as they are approved by the Financial
mendapatkan fatwa Dewan Syariah Nasional. Services Authority and obtain the fatwa of the National
Sharia Board.
Disamping itu, BMI juga menjalankan kegiatan usaha lain Besides that, BMI also carries out other business activities,
yakni: namely:
1. Melakukan kegiatan valuta asing berdasarkan prinsip 1. Conducting foreign exchange activities based on Sharia
2. Melakukan kegiatan penyertaan modal pada bank 2. Conducting capital participation activities in Sharia public
umum syariah atau lembaga keuangan yang melakukan banks or financial institutions conducting business
kegiatan usaha berdasarkan prinsip syariah. activities based on Sharia principles.
3. Melakukan kegiatan penyertaan modal sementara untuk 3. Conducting temporary capital participation activities
mengatasi akibat kegagalan pembiayaan berdasarkan to overcome the failure of financing based on Sharia
prinsip syariah dengan syarat harus menarik kembali principles provided that they must withdraw their
penyertaannya. investments.
4. Bertindak sebagai pendiri dan pengurus dana pensiun 4. Acting as founder and manager of pension funds based
berdasarkan prinsip syariah. on Sharia principles.
5. Melakukan kegiatan dalam pasar modal sepanjang tidak 5. Performing activities in the capital market as long as they
bertentangan dengan prinsip syariah dan ketentuan do not conflict with Sharia principles and the rules and
peraturan perundangan di bidang pasar modal. regulations in the capital market sector.
6. Menyelenggarakan kegiatan atau produk bank 6. Organizing bank activities or products based on Sharia
berdasarkan prinsip Syariah dengan menggunakan principles using electronic means.
sarana elektronik.
7. Menerbitkan, menawarkan, dan memperdagangkan 7. Issuing, offering and trading short-term letters based on
surat berjangka pendek berdasarkan prinsip syariah, Sharia principles, either directly or indirectly, through the
baik secara langsung atau tidak langsung, melalui pasar money market.
uang.
8. Menerbitkan, menawarkan, dan memperdagangkan 8. Issuing, offering and trading long-term securities based
surat berharga jangka panjang berdasarkan prinsip on Sharia principles, either directly or indirectly, through
syariah, baik secara langsung atau tidak langsung melalui the capital market.
pasar modal.
9. Menyediakan produk atau melakukan kegiatan usaha 9. Providing products or conducting other Sharia
bank umum syariah lainnya yang berdasarkan prinsip Commercial Bank business activities based on Sharia
Dijalankan pada Tahun Buku Performed during the Fiscal Year

Kegiatan usaha Bank pada tahun 2021 masih sesuai dengan The Bank’s business activities in 2021 are still in accordance
ketentuan pada Anggaran Dasar Bank. with the provisions in the Bank’s Articles of Association.

Produk dan Layanan

Products and Services
Produk Products
Bank Muamalat membagi produk perbankan syariah ke Bank Muamalat divides its sharia banking products into two
dalam dua kategori besar yakni produk penghimpunan broad categories, namely fundraising products and financing
dana dan produk pembiayaan. Produk penghimpunan dana products. Fundraising products consist of various products
terdiri dari beragam produk yang disesuaikan dengan tujuan tailored to customer goals and preferences. Financing
dan preferensi nasabah. Sementara itu, produk pembiayaan products are also the means for the bank to channel funds
merupakan sarana untuk menyalurkan dana yang dihimpun collected by the Bank in the form of financing, for productive
oleh Bank dalam bentuk pembiayaan, baik untuk usaha businesses as well as for consumptive purposes.
produktif maupun untuk keperluan konsumtif.
Bank Muamalat juga melakukan penempatan dana Bank Muamalat also conducts fund placements in
berkerja sama dengan mitra strategis dengan melakukan collaboration with strategic partners by conducting
pembiayaan channelling maupun executing melalui Lembaga channeling and executing financing through Small Micro
Keuangan Mikro Kecil yaitu, BMT (Baitul Maal Wa-Tamwil), Financial Institutions, namely, BMT (Baitul Maal Wa-Tamwil),
Bank Perkreditan Rakyat Syariah (BPRS) dan perusahaan Sharia Rural Banks (BPRS) and financing companies. In
pembiayaan. Dalam rangka menjaga posisi likuiditas jangka order to maintain a short-term liquidity position, the Bank
pendek, Perseroan juga melakukan penempatan dana pada also places funds with other banks and purchases securities
bank lain serta pembelian surat-surat berharga berdasarkan based on sharia principles. The Bank increases the intensity
prinsip syariah. Selain itu, Perseroan meningkatkan of financing aimed at markets that have had good financing
intensitas pembiayaan yang ditujukan pada pasar yang performance by allocating a larger portion to MSMEs in the
selama ini mempunyai kinerja pembiayaan yang baik dengan realization of the financing portfolio. The descriptions of
mengalokasikan porsi yang lebih besar kepada UMKM dalam fundraising products and financing products are described
realisasi portofolio pembiayaan. Adapun uraian dari produk in the following table:
penghimpunan dana dan produk pembiayaan diurai dalam
tabel sebagai berikut:

2021 Annual Report
Produk Penghimpunan Dana Produk Pembiayaan

No
Fund Collection Products Financing Products
1 Tabungan iB Hijrah KPR iB Muamalat
Tabungan dalam mata uang rupiah yang dapat digunakan Pembiayaan kepada perorangan dengan peruntukan
untuk beragam jenis transaksi, memberikan akses yang pembelian rumah tinggal ready stock baik primary maupun
mudah, serta manfaat yang luas. Tabungan iB Hijrah kini secondary. Pembiayaan ini juga dapat digunakan untuk
hadir dengan empat pilihan kartu ATM/Debit yaitu: Kartu pengalihan (take over) KPR dari bank syariah maupun
Shar-E Reguler (GPN), Kartu Shar-E Classic (VISA), Kartu bank konvensional, renovasi, dan pembiayaan konsumtif
Shar-E 1HRAM (VISA) dan Kartu Shar-E Prioritas (VISA). beragun properti. Untuk Nasabah eksisting KPR di Bank
Muamalat dapat mengajukan top up untuk memenuhi
kebutuhan konsumtif.
iB Hijrah Savings KPR iB Muamalat

Savings in rupiah that can be used for various types of Financing to individuals with the purpose of purchasing
transactions provide easy access, and broad benefits. ready stock housing, both primary and secondary. This
iB Hijrah Savings now comes with four choices of ATM/ financing can also be used to take over mortgages from
Debit cards, namely: Regular Shar-E Card (GPN), Classic sharia and conventional banks, renovations, and property-
Shar-E Card (VISA), 1HRAM Shar-E Card (VISA) and Priority backed consumer financing. Existing Bank Muamalat KPR
Shar-E Card (VISA). customers can apply for a Top Up to meet consumptive
needs.
2 Tabungan iB Hijrah Valas iB Muamalat Multiguna
Tabungan dalam denominasi valuta asing US Dollar (USD) Pembiayaan kepada perorangan untuk pembelian barang
dan Singapore Dollar (SGD) bertujuan untuk melayani halal bersifat konsumtif (seperti kendaraan bermotor roda
kebutuhan transaksi dan investasi yang lebih beragam. dua atau roda empat (mobil), perencanaan ibadah, bahan-
bahan bangunan, barang elektronik, furniture/perabot
rumah tangga) serta sewa jasa yang dibolehkan secara
syariah seperti umrah, wisata dan lainnya.
iB Hijrah Valas Savings iB Muamalat Multiguna

Savings denominated in foreign currencies US Dollar Financing for individuals for the purchase of consumptive
(USD) and Singapore Dollar (SGD), with the aim to serve halal goods (such as two-wheeled or four-wheeled vehicles
the needs of more diverse transactions and investments. (cars), worship plans, building materials, electronic goods,
furniture/ household furniture) as well as rental of services
that are permitted under sharia, such as umrah, tours and
others.
3 Tabungan iB Hijrah Haji iB Muamalat Koperasi Karyawan
Tabungan haji dan umrah dalam mata uang rupiah Pembiayaan yang diberikan kepada koperasi karyawan
dan valuta asing dolar AS yang dikhususkan bagi untuk disalurkan kepada para anggotanya (karyawan
nasabah masyarakat muslim Indonesia yang berencana BUMN/PNS/swasta) dengan tujuan pembelian barang
menunaikan ibadah Haji dan Umrah. Dapat dilengkapi halal. Diperuntukan bagi para anggota koperasi karyawan
dengan standing instruction untuk setoran rutin maupun dan diajukan secara berkelompok.
setoran insidentil yang fleksibel sesuai kebutuhan
nasabah untuk mewujudkan keinginan beribadah ke
Tanah Suci.
iB Hijrah Haji iB Muamalat Koperasi Karyawan

Hajj savings and Umrah savings in Rupiah and US Dollar A financing facility for employee cooperatives to channel
foreign currencies are reserved for customers of the to the members of the cooperative (SOE employees/civil
Indonesian Moslem community who plan to perform servants/private employees) for purchase of halal products.
Hajj and Umrah services. Can be complemented with The financing facility is for the members of a cooperative
standing instructions for routine deposits and flexible with the proposal submitted as a collective.
incidental deposits according to customer needs to
realize the desire to worship the Holy Land.


No
4 Tabungan iB Hijrah Rencana Pembiayaan Kendaraan Bermotor (Via Multifinance)
Tabungan iB Hijrah Rencana merupakan tabungan Pembiayaan yang diberikan kepada end user dengan tujuan
berjangka dalam mata uang rupiah, memiliki setoran pembelian kendaraan bermotor (mobil dan motor) melalui
rutin bulanan dan tidak bisa ditarik sebelum jangka perusahaan multifinance yang bekerja sama dengan Bank
waktu berakhir kecuali penutupan rekening serta Muamalat Indonesia.
pencairan dana hanya bisa dilakukan ke rekening
sumber dana. Tabungan iB Muamalat Rencana dapat
membantu mewujudkan berbagai rencana nasabah di
masa yang akan datang.
iB Hijrah Rencana Savings Motor Vehicle Financing (Via Multifinance)

iB Hijrah Rencana Savings is a time deposit in rupiah, Financing provided to end users for the purpose of
has a monthly routine deposit, and cannot be withdrawn purchasing motor vehicles (cars and motorcycles) through
before the expiration period unless the account closure multi-finance companies in collaboration with Bank
and disbursement of funds can only be made to the fund Muamalat Indonesia.
source account. The Muamalat iB Savings Plan can help
realize various customer plans in the future.
5 TabunganKu iB iB Modal Kerja Reguler
Tabungan syariah dalam mata uang rupiah yang Pembiayaan yang digunakan untuk pembiayaan atas aset
sangat terjangkau bagi nasabah dari semua kalangan lancar (persediaan).
masyarakat.
TabunganKu iB iB Modal Kerja Reguler

Sharia-based savings in rupiah that are very affordable Financing used to finance current assets (inventory).
for customers from all circles of society.
6 Tabungan Simpanan Pelajar (SimPel) iB iB Modal Kerja Proyek
Tabungan yang dikelola dengan akad Mudharabah dan Pembiayaan yang digunakan untuk pelaksanaan proyek
dikhususkan untuk segmen pelajar. Tabungan SimPel berdasarkan kontrak yang ada.
iB dapat dibukakan untuk siswa PAUD, TK, SD, SMP,
SMA, Madrasah (RA, MI, Mts, MA) atau sederajat tanpa
batasan umur minimal, di mana batasan maksimal
masih berstatus SMA/SMK dan belum memiliki KTP
melalui kerja sama antara Bank Muamalat Indonesia dan
sekolah.
iB Simpanan Pelajar (SimPel) Savings iB Modal Kerja Proyek

Savings managed by Mudharabah contract and Financing used for the implementation of a project based
specifically for the student segment. SimPel iB savings on existing contracts.
can be opened for PAUD, Kindergarten, Elementary,
Junior High, High School, Islamic School (RA, MI, Mts, MA)/
equivalent students with no minimum age limit, where
the maximum limit is still in the High School/ Vocational
School status and does not have an ID card through
collaboration between Bank Muamalat Indonesia and
schools.

2021 Annual Report

No
7 Tabungan iB Hijrah Prima iB Modal Kerja Konstruksi Developer
Tabungan iB Hijrah Prima merupakan tabungan yang Pembiayaan yang digunakan untuk pembangunan proyek
didesain bagi nasabah yang ingin mendapatkan bagi properti.
hasil maksimal dan kebebasan bertransaksi. Nasabah
dapat memiliki empat pilihan kartu debit, yaitu Kartu
Shar-E Reguler (GPN), Kartu Shar-E Classic (VISA), Kartu
Shar-E 1HRAM (VISA), dan Kartu Shar-E Prioritas (VISA).
iB Hijrah Prima Savings iB Modal Kerja Konstruksi Developer

iB Hijrah Prima Savings is a savings account designed for Financing used for the construction of property projects.
customers wishing to acquire maximum profit sharing
and freedom of transactions. Customers can have four
choices of Debit cards, namely Regular Shar-E Card
(GPN), Classic Shar-E Card (VISA), 1HRAM Shar-E Card
(VISA) and Priority Shar-E Card (VISA).
8 Tabungan iB Hijrah Bisnis iB Modal Kerja Lembaga Keuangan Syariah
Tabungan iB Hijrah Bisnis adalah produk tabungan Pembiayaan yang digunakan untuk pembangunan proyek
yang digunakan untuk mengakomodir kebutuhan bisnis properti.
nasabah non individu dengan memberikan kemudahan
dan kenyamanan bertransaksi yang didukung oleh
fasilitas Cash Management System MADINA.
iB Hijrah Bisnis Savings iB Modal Kerja Lembaga Keuangan Syariah

iB Hijrah Bisnis Savings is a savings product that is used Financing used for the construction of property projects.
to accommodate the business needs of non-individual
customers by providing convenience and convenience
in transactions supported by the MADINA Cash
Management System facility.
9 Deposito iB Hijrah iB Investasi Non Properti Bisnis
Deposito syariah dengan akad mudharabah dalam mata Pembiayaan untuk pembelian barang investasi penunjang
uang rupiah dan dolar AS yang fleksibel dan memberikan usaha.
hasil investasi yang optimal bagi nasabah.
Diperuntukkan bagi nasabah perorangan dan institusi

yang memiliki legalitas badan.
iB Hijrah Deposit iB Investasi Non Properti Bisnis

Flexible sharia deposits with mudharabah contracts in Financing for the purchase of business support investment
Rupiah and USD that provide optimal investment returns goods.
for Customers.
Intended for individual and institutional clients which are

legal entities.
10 Deposito Online ib Hijrah iB Properti Bisnis
Deposito syariah dengan akad mudharabah yang dapat Pembiayaan investasi untuk pembangunan properti bisnis
dibuka secara praktis kapan pun dan di mana pun yang menunjang keberlangsungan usaha.
melalui Muamalat DIN dengan bagi hasil yang optimal
dalam mata uang rupiah.
Diperuntukkan hanya untuk nasabah perorangan yang

sebelumnya telah memiliki rekening tabungan/giro di
Muamalat dan telah mengunduh dan terdaftar di aplikasi
Muamalat DIN.
iB Hijrah Online Deposit

Sharia deposits with mudharabah contracts that can be iB Properti Bisnis
opened anytime and anywhere through Muamalat DIN Investment financing for business property development
with optimal profit sharing in rupiah currency. that supports business continuity
Intended Only for Individual customers who previously

have a savings/current account in Muamalat and had
downloaded and registered in the Muamalat DIN
application.


No
11 Deposito Devisa Hasil Ekspor Sumber Daya Alam iB Muamalat Usaha Mikro
(DHE SDA) iB Hijrah Pembiayaan dalam bentuk modal kerja dan investasi yang
Deposito DHE SDA yang dikelola secara syariah dengan diberikan kepada pengusaha mikro baik untuk perorangan
akad mudharabah dalam mata uang rupiah dan dolar AS maupun badan usaha non-hukum.
yang dapat memberikan hasil investasi secara optimal
dan barokah bagi Anda serta pajak bagi hasil yang lebih
rendah
Produk ini dibuat untuk mendukung kebijakan

Pemerintah yang tertuang dalam Peraturan Pemerintah
(PP) No. 1/2019 tentang penerimaan Devisa Hasil Ekspor
dari Barang Ekspor Sumber Daya Alam (DHE SDA), Bank
Muamalat melayani pembukaan Rekening Khusus
DHE SDA.
Rekening Khusus (Reksus) Deposito Devisa Hasil Ekspor

Sumber Daya Alam (DHE SDA) adalah Rekening Deposito
yang digunakan khusus untuk penerimaan Devisa Hasil
Eskpor Sumber Daya Alam (DHE SDA). Reksus DHE SDA
ini diperuntukan khusus untuk nasabah non perorangan.
iB Hijrah Foreign Exchange Deposits from Export of iB Muamalat Usaha Mikro
Natural Resources (DHE SDA) Financing in the form of working capital and investment is
DHE SDA deposits that are managed according to sharia provided to micro entrepreneurs, both for individuals and
with mudharabah contracts in Rupiah and USD, which non-legal business entities.
can provide optimal investment returns and blessings
for you, as well as lower profit-sharing taxes.
This product was created to support the government’s

policy as stated in Government Regulation (PP) No. 1/2019
on the receipt of Foreign Exchange Export Proceeds from
Exports of Natural Resources (DHE SDA), Bank Muamalat
facilitates the opening of a Special Account for DHE SDA.
Special Account (Reksus) Deposits for Natural Resources

Export Proceeds (DHE SDA) is a Time Deposit Account
used specifically for receipt of Foreign Exchange
Proceeds from Exports of Natural Resources (DHE
SDA). Reksus DHE SDA is specifically intended for non-
individual customers
12 Giro ib Hijrah iB Rekening Koran Muamalat
Giro syariah dengan akad wadiah dalam mata uang Pembiayaan yang disediakan kepada nasabah untuk
rupiah dan dolar AS yang memudahkan semua jenis memenuhi kebutuhan akan pembelian Properti Bisnis
kebutuhan transaksi bisnis maupun transaksi keuangan sebagai investasi ataupun untuk peremajaan/renovasi
personal nasabah. Giro ini diperuntukan bagi nasabah dan pembangunan properti bisnis baru diatas lahan milik
perorangan dan institusi yang memiliki legalitas badan. nasabah.
iB Hijarh Current Account iB Rekening Koran Muamalat

A Sharia-based current account with Wadiah contract in Short-term financing for fluctuating and urgent working
rupiah and US dollar currency that facilitates all types capital needs as well as for the take-over of similar financing.
of business transaction needs and customer’s personal
financial transactions. This current account is intended
for individual and institutional clients which are legal
entities.

2021 Annual Report

No
13 Giro iB Hijrah Ultima
Giro syariah dengan akad mudharabah dalam mata uang
rupiah dan dolar AS yang memudahkan semua jenis
kebutuhan transaksi bisnis maupun transaksi keuangan
personal nasabah disertai bagi hasil yang kompetitif dan
berbagai benefit transaksi lainnya. Giro ini diperuntukan
bagi nasabah perorangan dan institusi yang memiliki
legalitas badan.
iB Hijrah Ultima Current Account

Sharia current accounts with Mudharabah contracts in
rupiah and US dollar currency that facilitate all types of
business transaction needs as well as customer personal
financial transactions accompanied by competitive profit
sharing and other transaction benefits. This current
account is intended for individual and institutional
customers with legal entities.
14 Giro iB Hijrah/iB Hijrah Ultima-Devisa Hasil Ekspor
Sumber Daya Alam (DHE SDA)
Rekening Khusus (Reksus) Giro Devisa Hasil Ekspor
Sumber Daya Alam (DHE SDA) adalah Rekening Giro
yang digunakan khusus untuk penerimaan Devisa Hasil
Eskpor Sumber daya Alam (DHE SDA) bagi nasabah non
perorangan.
Giro ini dikelola secara syariah dengan dua pilihan akad,

yaitu akad wadiah dan mudharabah dalam mata uang
rupiah dan dolar AS. Untuk akad mudharabah, giro
disertai dengan bagi hasil kompetitif serta pajak bagi
hasil yang lebih rendah
Produk ini dibuat untuk mendukung kebijakan

pemerintah yang tertuang dalam Peraturan Pemerintah
(PP) No. 1/2019 tentang penerimaan Devisa Hasil Ekspor
dari Barang Ekspor Sumber Daya Alam (DHE SDA).
iB Hijrah/iB Hijrah Ultima Current Account-Proceeds

of Exports of Natural Resources (DHE SDA)
Special Account (Reksus) Current Accounts of Natural
Resources Export Proceeds (DHE SDA) are Current
Accounts specifically used to receive Foreign Exchange
Proceeds from Export of Natural Resources (DHE SDA)
for non-individual customers.
This current account is managed according to sharia with

two contract options, namely wadiah and mudharabah
contracts in Rupiah and USD. For mudharabah contracts,
the current accounts are complemented with competitive
profit sharing and lower profit-sharing taxes.
This product was created to support the government’s

policy as stated in Government Regulation (PP) No.
1/2019 on the receipt of Foreign Exchange Export
Proceeds from Exports of Natural Resources (DHE SDA).


No
15 Dana Pensiun Lembaga Keuangan (DPLK) Muamalat
Merupakan satu-satunya DPLK syariah di Indonesia,
menjadikan kami DPLK yang paling tepat bagi mereka
yang ingin merencanakan dana pensiun yang amanah,
berkah dan sesuai prinsip syariah. Dengan pelayanan
prima dan pengembangan investasi yang kompetitif,
menjadikan DPLK Syariah Muamalat sebagai pilihan
terbaik untuk mempersiapkan kesejahteraan saat
memasuki usia pensiun. Didukung jaringan Bank
Muamalat yang luas di seluruh provinsi di Indonesia
serta tim yang profesional, DPLK Syariah Muamalat siap
membantu menginvestasikan dana secara aman dan
optimal, memberikan layanan mudah dan transparan.
Pastikan kesiapan dana pensiun Anda dan keluarga
di DPLK Syariah Muamalat yang aman, nyaman dan
menguntungkan.
Muamalat Financial Institution Pension Fund (DPLK)

It is the only sharia DPLK in Indonesia, making us the
most appropriate DPLK for those planning a trustworthy,
blessed retirement fund that is in accordance with
sharia principles. With excellent service and competitive
investment development, making DPLK Syariah
Muamalat is the best choice to prepare for welfare when
entering retirement age. Supported by Bank Muamalat’s
extensive network in all provinces in Indonesia as well as
a professional team, DPLK Syariah Muamalat is ready to
help invest funds safely and optimally, providing easy and
transparent services. Ensure that you and your family are
prepared for a safe, comfortable, and profitable DPLK
Syariah Muamalat pension fund.

2021 Annual Report
Layanan Services
Guna memberikan pelayanan yang maksimal, BMI memiliki To provide customers with maximum services, BMI has three
tiga layanan untuk diberikan kepada para nasabahnya yakni services to provide to its customers, namely international
layanan perbankan internasional, layanan trade finance dan banking services, trade financing services and 24-hour
layanan 24 jam. Berikut adalah uraiannya. services. The following is the description.
1. Perbankan Internasional (Remitansi) 1. International Banking (Remittance)

a. Incoming Muamalat Remittance iB a. Incoming Muamalat Remittance iB
Merupakan kiriman uang masuk dalam denominasi Incoming money transfers denominated in foreign
valuta asing yang ditujukan kepada penerima, baik currencies addressed to the recipient, either to be
untuk diterima tunai ataupun dimasukan ke dalam received in cash or credited to the recipient’s account
kredit rekening penerima yang merupakan nasabah which is a Bank customer.
Bank.
b. Outgoing Muamalat Remittance iB b. Outgoing Muamalat Remittance iB
Ialah kiriman uang keluar dalam denominasi valuta Outgoing money transfer service in the denomination
asing yang ditujukan kepada penerima, baik untuk of foreign currencies intended for recipients, either
diterima tunai ataupun dimasukan dalam kredit to be received in cash or credited to the recipient’s
rekening penerima pada bank lain, baik di dalam account at another bank, either in Indonesia or
maupun di luar negeri, sesuai dengan instruksi abroad, in accordance with the instructions of the
pengirim melalui Bank. sender through the Bank.
2. Trade Finance 2. Trade Finance

a. Ekspor a. Export
Produk dan layanan transaksi ekspor yang tersedia Export transaction products and services that are
bagi nasabah/eksportir Bank meliputi: available for the Bank’s Customers/ exporters are
as follows:
i. Advising L/C i. Advising L/C
Layanan yang diberikan Bank untuk meneruskan/ Services provided by the Bank to forward/ submit
menyampaikan L/C kepada beneficiary yang L/C to beneficiaries listed in L/C either directly or
tercantum dalam L/C, baik secara langsung through the second Advising Bank.
maupun melalui second Advising Bank.
ii. Outward Bills ii. Outward Bills
Layanan yang diberikan Bank untuk menangani Services provided by the Bank to handle Export
dokumen L/C Ekspor berupa: pengujian L/C documents in the form of: Examination of
dokumen L/C Ekspor, pengiriman dokumen Export L/C documents, Delivery of Documents
kepada Issuing Bank atau pihak yang ditunjuk, to Issuing Bank or Nominated Parties, Receipt of
penerimaan pembayaran hasil ekspor dan Payment of Export Proceeds and other activities
kegiatan lainnya yang masih berkaitan dengan that are still related to handling Export L/C
penanganan dokumen L/C Ekspor. documents.
iii. Negotiation iii. Negotiation
Dana talangan yang diberikan oleh Bank kepada Advanced credit provided by the Bank to the
beneficiary atas presentasi dokumen L/C Ekspor beneficiary for the presentation of the Export
(post shipment financing). Negosiasi dapat L/C document (Post Shipment Financing).
dilakukan baik menggunakan fasilitas ataupun Negotiations can be done using facilities or
tanpa fasilitas nasabah. without customer facilities
iv. L/C Transfer iv. L/C Transfer
Layanan yang diberikan oleh Bank untuk Services provided by the Bank to issue L/C
menerbitkan L/C transfer berdasarkan L/C yang Transfers based on L/C received by the Bank
diterima oleh Bank dari Issuing Bank. from the Issuing Bank.
b. Impor b. Imports
Produk dan layanan transaksi impor yang tersedia Import transaction products and services provided
bagi nasabah/ Importir Bank meliputi: to Bank Customers/ Importers include:
i. Letter of Credit (L/C) i. Letter of Credit (L/C)
Bank Muamalat Indonesia memiliki layanan Bank Muamalat Indonesia has an L/C publishing
penerbitan L/C yaitu penerbitan pernyataan service, namely the issuance of a statement by
oleh Bank atas permintaan nasabah untuk the Bank at the customer’s request for the benefit

keuntungan pihak lain (beneficiary), yang of another party (Beneficiary), which is why the
oleh karenanya Bank mengikatkan diri untuk Bank binds itself to pay to the beneficiary if the
membayar kepada beneficiary apabila beneficiary Beneficiary can fulfill the request/requirements
dapat memenuhi permintaan/persyaratan stated in the L/C. There are several types of L/C
yang dinyatakan dalam L/C tersebut. Terdapat based on the payment period, namely:
beberapa macam L/C berdasarkan jangka waktu
pembayarannya yakni:
• Sight L/C • Sight L/C
L/C yang mewajibkan Issuing Bank untuk L/C requires the Issuing Bank to carry out
melaksanakan pembayaran kepada payments to the beneficiary, as soon as the
beneficiary, segera setelah dokumen- documents provided by the beneficiary have
dokumen yang disediakan beneficiary telah fulfilled the conditions stated in the L/C.
memenuhi syarat-syarat sebagaimana
dinyatakan dalam L/C.
• Usance L/C • Usance L/C
L/C di mana pada saat dokumen-dokumen L/C where when the documents provided by
yang disediakan beneficiary telah memenuhi the beneficiary have fulfilled the conditions
syarat-syarat sebagaimana dinyatakan stated in the L/C, the Issuing Bank is obliged
dalam L/C, Issuing Bank berkewajiban to accept a draft stating that the Issuing
untuk memberikan akseptasi draft yang Bank will pay the beneficiary within a certain
menyatakan bahwa Issuing Bank akan period of time in the future.
membayar kepada beneficiary dalam jangka
waktu tertentu di masa yang akan datang.
• Usance Payable at Sight (UPAS) L/C • Usance Payable at Sight (UPAS) L/C
L/C yang mewajibkan Issuing Bank untuk L/C which requires the Issuing Bank to carry
melaksanakan pembayaran kepada out payments to the beneficiary as soon as
beneficiary segera setelah dokumen- the documents provided by the beneficiary
dokumen yang disediakan beneficiary telah have fulfilled the conditions stated in the L/C.
memenuhi syarat-syarat sebagaimana The applicant will make a payment to the
dinyatakan dalam L/C. Di sisi lain, applicant Issuing Bank for a certain period of time in
akan melakukan pembayaran kepada Issuing the future.
Bank dalam jangka waktu tertentu di masa
yang akan datang.
• Usance Payable at Usance (UPAU) L/C • Usance Payable at Usance (UPAU) L/C
Usance L/C di mana Issuing Bank akan Usance L/C where Issuing Bank will make
melakukan pembayaran kepada beneficiary a payment to the beneficiary for the Draft
atas draft (tagihan) yang sudah diterima (bill) that has been received according to the
sesuai akseptasi Bank kepada beneficiary. Bank’s acceptance to the beneficiary. The
Di sisi lain, applicant akan melakukan applicant will make a payment to the Issuing
pembayaran kepada Issuing Bank dalam Bank within a certain period of time that has
jangka waktu tertentu yang akan datang yang been agreed upon.
sudah disepakati.
ii. Surat Kredit Berdokumen dalam Negeri (SKBDN) ii. Letter of Credit (SKBDN)
Pada dasarnya produk dan layanan yang Basically the products and services provided for
disediakan untuk eksportir dan importir dapat exporters and importers can also be used to
juga digunakan untuk mendukung perdagangan support domestic trade. What distinguishes it is
dalam negeri. Yang membedakannya adalah the best practice reference used, where export/
acuan best practice yang digunakan, di mana import transactions use international standards
transaksi ekspor/impor menggunakan standar regulated in the UCP DC (Uniform Custom
internasional yang diatur dalam UCP DC (Uniform Practice on Documentary Collection), while
Custom Practice on Documentary Collection), domestic transactions follow Bank Indonesia
sementara untuk transaksi dalam negeri Regulations. Therefore SKBDN is also commonly
mengikuti Peraturan Bank Indonesia. Oleh referred to as Local L/C.
karena itu SKBDN lazim juga disebut sebagai
L/C Lokal.

2021 Annual Report
iii. Bank Garansi iii. Bank Guarantee

Bank Garansi adalah penerbitan pernyataan oleh Bank Guarantee is the issuance of a statement
Bank atas permintaan nasabah (pihak terjamin) by the Bank at the request of the customer
untuk menjamin kewajiban nasabah karena (guaranteed party) to guarantee the obligations
ketidakmampuan nasabah untuk menjalankan of the customer because of the inability of the
kewajibannya dengan baik (wanprestasi) kepada customer to carry out its obligations properly
pihak yang menerima jaminan berdasarkan (default) to the party receiving a guarantee based
suatu perjanjian yang telah dibuat antara on an agreement made between the customer
nasabah dengan pihak yang menerima jaminan. and the party receiving the guarantee. Bank
Bank Garansi yang dapat diterbitkan oleh Bank Guarantees that can be issued by Bank Muamalat
Muamalat Indonesia antara lain: Indonesia include:
• Bid Bond (Jaminan Penawaran) • Bid Bond
• Performance Bond (Jaminan Pelaksanaan) • Performance Bond
• Advance Payment Bond (Jaminan Uang Muka) • Advance Payment Bond
• Retention Bond (Jaminan Pemeliharaan) • Retention Bond
• Payment Bond (Jaminan Pembayaran) • Payment Bond
• Custom Bond • Custom Bond
• Shipping Guarantee • Shipping Guarantee
• Counter Guarantee • Counter Guarantee
iv. Klaim Bank Garansi iv. Bank Guarantee Claims
Merupakan layanan yang diberikan oleh Bank A service provided by the Bank at the request of
atas permintaan beneficiary untuk melakukan the beneficiary to collect from Issuing Bank when
penagihan kepada Issuing Bank ketika applicant the applicant cannot carry out its obligations
tidak dapat menjalankan kewajibannya dengan properly (default) to the beneficiary.
baik (wanprestasi) kepada pihak beneficiary.
v. Standby L/C v. Standby L/C
Standby L/C merupakan suatu bentuk penjaminan Standby L/C is a form of guarantee from the
dari Bank Penerbit Standby L/C kepada beneficiary Standby Issuing Bank L/C to the beneficiary
terhadap kemungkinan terjadinya wanprestasi/ of the possibility of default on the applicant
default atas diri applicant (pihak yang dijamin/ (guaranteed party/ applicant for Standby L/C).
pemohon Standby L/C).
vi. Deposito Plus vi. Deposito Plus
Program pemasaran deposito yang A deposit account marketing program combined
dikombinasikan dengan SKBDN. Melalui program with SKBDN. Through this program, customers
ini, nasabah yang menempatkan deposito di who place deposits at the Bank, will find it
Bank memiliki kemungkinan untuk memiliki possible to have a vehicle directly.
kendaraan secara langsung.
vii. LC Murabahah vii. LC Murabahah
LC Murabahah adalah fasilitas pembiayaan LC Murabahah is a working capital financing
modal kerja yang diberikan kepada debitur facility granted to importer debtors for the
importir untuk pembayaran atau pelunasan payment of L/C or SKBDN, both Sight and
L/C atau SKBDN baik sight (atas unjuk) maupun Usance (futures) issued through Bank Muamalat
usance (berjangka) yang diterbitkan melalui Bank Indonesia.
Muamalat Indonesia.
viii. Buyer Financing viii. Buyer Financing
Merupakan pembiayaan jangka pendek yang A short-term financing provided by the Bank in
diberikan oleh Bank dalam rangka menjaga order to maintain the ability of the customer to
kemampuan nasabah dalam pembelian bahan purchase raw materials/ merchandise in a timely
baku/barang dagangan secara tepat waktu manner to the supplier/ seller to ensure that the
kepada supplier/penjual sehingga kredibilitas customer’s credibility in the eyes of the supplier/
nasabah di mata supplier/penjual terjaga. seller can be maintained.
ix. AR Financing ix. AR Financing
Produk pembiayaan jangka pendek dengan A short-term financing product providing
pemberian dana talangan untuk memenuhi advanced funds to meet working capital
kebutuhan modal kerja berdasarkan piutang requirements based on the company’s business

usaha perusahaan dari transaksi perdagangan receivables from trade transactions or sales of
atau penjualan barang dan jasa. goods and services.
x. Value Chain Financing x. Value Chain Financing
Pembiayaan kepada masabah melalui skema Financing to customers through vendor and
pembiayaan vendor maupun distributor. distributor financing schemes.
3. Layanan 24 Jam 3. 24 Hour Service

a. ATM Muamalat a. ATM Muamalat
ATM Muamalat dilengkapi dengan berbagai fitur Muamalat ATM has various features to facilitates
untuk memudahkan nasabah dalam melakukan info customers to check balances, print the last 5 (five)
saldo, cetak 5 (lima) transaksi terakhir, pembayaran transactions, bill payment, top up prepaid phone
tagihan, pembelian pulsa isi ulang, pembelian tiket, credit, insurance premium payments, interbank
pembayaran premi asuransi, transfer antar bank, transfers, school fee payment, and ZIS payments.
pembayaran uang sekolah dan pembayaran ZIS.
b. Muamalat Mobile/Digital Islamic Network (DIN) b. Muamalat Mobile/Digital Islamic Network (DIN)
Muamalat DIN merupakan aplikasi mobile Muamalat DIN is a mobile banking application
banking yang meliputi fitur transaksional transfer that includes transactional transfer features (book
(pemindahbukuan, antar bank, SKN dan RTGS), transfer, interbank, SKN and RTGS), payments
pembayaran (Telkom, Telko, PLN, TV Kabel, Tiket, (Telkom, Telko, PLN, Cable TV, Tickets, Donations and
Donasi dan Virtual Account) pembelian (pulsa Virtual Accounts) purchases (top-up credit, electricity
isi ulang, Token Listrik dan uang elektronik), tokens and cash). electronic), payments using QRIS,
pembayaran menggunakan QRIS, pembukaan opening deposits, opening additional accounts (ETB)
deposito, pembukaan rekening tambahan (ETB) as well as new accounts (NTB) and non-transactional
serta rekening baru (NTB) dan non transaksional in the form of balance checks, account mutations,
berupa cek saldo, mutasi rekening, info produk, live product info, live chat via whatsapp, language, Qibla,
chat via whatsapp, bahasa, kiblat, jadwal sholat dan prayer schedules and promo information. Mobile
informasi promo. Mobile Banking Muamalat (DIN) Banking Muamalat (DIN) also offers convenience in
menawarkan juga kemudahan dalam bertransaksi making transactions in real time, safe and practical
secara real time, aman dan praktis menggunakan using smart phone devices of customers who are
perangkat smart phone nasabah yang terdaftar di registered with the bank and connected to the
bank dan terkoneksi jaringan internet. Muamalat DIN internet network. Muamalat DIN can be used on
dapat digunakan pada sistem operasi Android dan Android and IOS operating systems. To be able to
IOS. Untuk dapat menggunakan layanan Muamalat use the Muamalat DIN service, customers only need
DIN, nasabah hanya perlu mengunduh aplikasi to download the Muamalat DIN application from
Muamalat DIN dari app store (Apple) dan play store the app store (Apple) and play store (Android) with
(Android) dengan kata kunci “Muamalat DIN” dan the keyword “Muamalat DIN” and simply register
cukup melakukan pendaftaran melalui aplikasi. through the application.
c. Internet Banking Muamalat c. Muamalat Internet Banking
Layanan ini bertujuan untuk memudahkan nasabah This service aims to facilitate retail customers
ritel (individu) dalam melakukan transaksi finansial (individuals) in conducting financial transactions
berupa transfer (pemindahbukuan, antar bank, in the form of transfers (book transfers, interbank,
SKN dan RTGS), pembayaran (Telkom, Telko, PLN, SKN and RTGS), payments (Telkom, Telko, PLN,
TV Kabel, ZIS dan Virtual Account), pembelian (pulsa Cable TV, ZIS and Virtual Accounts), purchases (top-
isi ulang, PLN, sukuk online) dan non transaksional up credit, PLN, online sukuk) and non-transactional
berupa cek saldo, mutasi rekening, bahasa, dan in the form of balance checks, account mutations,
informasi promo serta Internet Banking Muamalat languages, and promo information as well as
juga memiliki fitur transaksi debit online, nasabah Internet Banking Muamalat also has an online
dapat berbelanja di mitra atau merchant-merchant debit transaction feature, customers can shop at
yang sudah bekerja sama dengan Bank Muamalat partners or merchants who have collaborated with
dengan lebih mudah, praktis dan aman. Untuk dapat Bank Muamalat more easily , practical and safe. To
menggunakan layanan Internet Banking Muamalat, be able to use Muamalat Internet Banking services,
nasabah cukup mengunjungi ATM Muamalat customers simply need to visit the nearest Muamalat
terdekat dan melakukan registrasi Internet Banking ATM and register for Muamalat Internet Banking and

2021 Annual Report
Muamalat serta melakukan aktivasi transaksi activate financial transactions through the nearest
finansial melalui cabang Muamalat terdekat. Muamalat branch.
d. SalaMuamalat d. SalaMuamalat
Layanan Contact Center 24 jam yang memberikan 24-hour Contact Center service that provides
kemudahan kepada nasabah, setiap saat dan convenience to customers, whenever and wherever
dimanapun nasabah berada, baik untuk layanan customers are, both for information services,
informasi, permintaan, maupun pengaduan requests, and complaints of banking products. To be
produk perbankan. Untuk dapat terhubung dengan able to connect with SalaMuamalat customers can
SalaMuamalat nasabah dapat mengakses melalui : access via:
• Telepon dengan nomor 1500016, sementara • Call with number 1500016, while customers who
nasabah yang berada diluar negeri melalui are abroad via number +6221 8066 8000
nomor +6221 8066 8000
• E-mail dengan alamat e-mail info@bankmuamalat. • E-mail with the e-mail address
co.id, dan salamuamalat@bankmuamalat.co.id info@ bankmuamalat.co.id, and salamuamalat@
bankmuamalat.co.id
• Chat melalui WebChat pada website Bank • Chat via WebChat on the Bank Muamalat website
Muamalat dan WhatsApp dengan nomor and WhatsApp with number 081280651800
081280651800
e. Muamalat Digital Integrated Access (MADINA) e. Muamalat Digital Integrated Access (MADINA)
Layanan Internet Banking untuk nasabah non Internet Banking service for non-Individual
Individual yang berbasis website dan memiliki pilihan customers that is website-based and has a variety
menu yang beragam, proses transaksi yang realtime, of menu options, real-time transaction processing,
pengaturan wewenang, limit transaksi yang mudah authority settings, easy transaction limits according
sesuai dengan kebutuhan nasabah. Dengan MADINA, to customer needs. With MADINA, customers can
nasabah dapat memonitor maupun melakukan monitor and perform banking transactions on
transaksi perbankan atas rekening nasabah di Bank customer accounts at the Bank without being limited
tanpa terbatas waktu dan tempat. by time and place.
Aktivitas Utama dan Target Pasar Bank Main Business Activity and Target Market of the
Bank
Aktivitas utama Bank Muamalat Indonesia pada tahun buku The main activity of Bank Muamalat Indonesia in the 2021
2021 tidak mengalami perubahan. Sesuai Anggaran Dasar fiscal year had not changed. Pursuant to the Bank’s Articles
Perusahaan, aktivitas utama Bank yaitu menghimpun dana of Association, the main activity of the Bank is to generate
dari masyarakat dan menyalurkan kembali dalam bentuk funds from the public and disburse these funds back in the
pembiayaan berdasarkan prinsip syariah. form of financing in accordance with the sharia principles.
Selain melakukan transaksi antarbank berdasarkan prinsip In addition to carrying out interbank transactions based
syariah, Bank juga melakukan jasa layanan transaksi on the sharia principles, the Bank also undertook payment
pembayaran dan perdagangan nasional dan internasional. services as well as trade finance services, both domestically
Layanan ini mencakup jasa kiriman uang, inkaso/collection, and globally. These services comprised of money transfer
transaksi valuta asing, dan pembiayaan ekspor impor dalam services, collection, foreign exchange transactions, and
bentuk Letter of Credit (L/C) yang memberikan pendapatan export-import financing through Letter of Credit (L/C) that
imbal jasa atau fee-based income kepada Bank. provided fee-based income for the Bank.

Wilayah Operasional
Operational Area
Jaringan Kerja dan Mitra Usaha di Dalam Domestic and/or Foreign Network and
dan/atau Luar Negeri Business Partners
Bank Muamalat Indonesia memiliki jaringan kerja yang Bank Muamalat Indonesia’s network comprises Indonesia
terbagi di wilayah Indonesia dan luar negeri yakni Malaysia. and Malaysia. As of the end of the 2021 fiscal year, BMI’s
Sampai dengan berakhirnya tahun buku 2021, jaringan kerja domestic network consisted of 239 branches, including head
Bank di dalam negeri sebanyak 239 yang terdiri dari kantor office, main branch offices, sub-branch offices, and cash
pusat, kantor cabang utama, kantor cabang pembantu, dan offices and spread across almost all provinces in the country.
kantor kas dan tersebar di hampir seluruh provinsi tanah air.
Sementara itu, untuk jaringan kerja di luar negeri yaitu While the overseas branch office was 1 (one), namely
Malaysia terdapat 1 (satu) kantor luar negeri. Malaysia.
Jumlah, Jenis, dan Lokasi Kantor Total Number, Type, and Location of Offices
Hingga 31 Desember 2021, Bank Muamalat Indonesia As of December 31, 2021, Bank Muamalat Indonesia had 239
memiliki 239 kantor layanan termasuk 1 (satu) kantor cabang service offices including 1 (one) branch office in Malaysia. The
di Malaysia. Operasional Bank juga didukung oleh 51 Mobile Bank’s operations are also supported by 51 Mobile Branches
Branch ditambah jaringan layanan yang luas berupa 568 plus an extensive service network of 568 Muamalat ATM
unit ATM Muamalat, jaringan ATM Bersama dan ATM Prima, units, ATM Bersama, Prima ATM networks, as well as ATM
serta jaringan ATM di Malaysia melalui Malaysia Electronic network in Malaysia through Malaysia Electronic Payment
Payment (MEPS). (MEPS).
Jenis Kantor 2021 2020 2019 2018 2017 Type of Office

Kantor Pusat 1 1 1 1 1 Head Office
Kantor Cabang Utama 80 81 83 83 83 Main Branch Office
Kantor Cabang Pembantu 131 135 150 150 152 Sub-branch Office
Kantor Kas 28 33 43 43 43 Cash Office
Kantor Luar Negeri 1 1 1 1 1 Overseas Branch Office
Jumlah 239 249 276 276 278 Total

2021 Annual Report
Wilayah operasional Bank ialah di seluruh wilayah Indonesia The Bank’s operational areas are throughout Indonesia
dan Kuala Lumpur, Malaysia. Berikut adalah sebaran kantor and Kuala Lumpur, Malaysia. The following is the spread
dari wilayah operasional BMI per 31 Desember 2021. of branch offices from BMI’s operational areas as of
December 31, 2021.
Kota/
Nama Kantor Alamat Provinsi Telepon Kategori
Kabupaten
Office Name Address Province Telephone Category
City/Regency
Kantor Pusat Operasional- Gedung Muamalat Tower Jl. Wil. Kota Jakarta DKI Jakarta 021-2511414 Kantor Pusat
Muamalat Tower Raya Prof. Dr. Satrio Kav. 18, Selatan Head Office
Operational Head Office- Kel. Kuningan, Kec. Setiabudi South Jakarta
Muamalat Tower
Kantor Cabang Bandung- Jl. Buah Batu No 276a Kota Bandung Jawa Barat 022-7305919 KCU
Buah Batu Bandung City of Bandung West Java
Bandung-Buah Batu
Branch Office
Kantor Cabang Surabaya- Jl. Raya Darmo 81 Surabaya Kota Surabaya Jawa Timur 031-5611230 KCU
Darmo City of Surabaya East Java
Surabaya-Darmo Branch
Office
Kantor Cabang Semarang Jl. Sugiyopranoto No. 102 Kab Semarang Jawa Tengah 024-3564134 KCU
Semarang Branch Office Semarang Regency of Central Java
Semarang
Kantor Cabang Bekasi- Ruko Duta Permai Plaza Blok Kota Bekasi Jawa Barat 021-8840867 KCU
Kalimalang B Ii No 20-22 Jl. Kh Noer Ali City of Bekasi West Java
Bekasi-Kalimalang Branch
Office
Kantor Cabang Makassar Jl. Dr. Sam Ratulangi No. 12 Kota Makassar Sulawesi Selatan 0411-832777 KCU
Makassar Branch Office Kel. Kunjung Mae, Kec. Mariso City of Makassar South Sulawesi
Kota Makassar
Kantor Cabang Fatmawati Jl. RS Fatmawati No 15b-d, Wil. Kota Jakarta DKI Jakarta 021-7662479 KCU
Fatmawati Branch Office Jakarta Selatan Selatan
South Jakarta
Kantor Cabang Tangerang Jl. Pahlawan Seribu Sektor IV Kota Tangerang Banten 021-5371036 KCU
BSD Kav D-73 Blok Rd No.73 Ruko City of Tangerang
Tangerang BSD Branch Perkantoran BSD Serpong
Office Tangerang
Kantor Cabang Balikpapan Jl. Jend Sudirman Komp. Kota Balikpapan Kalimantan Selatan 0542-731881 KCU
Balikpapan Branch Office Klandasan Permai Blok A No. City of Balikpapan South Kalimantan
6-7 Balikpapan Selatan
Kantor Cabang Medan Jl. Balaikota No.10 D-E, Medan Kota Medan Sumatera Utara 061-4535353 KCU
Medan City of Medan South Sumatra
Branch Office
Kantor Cabang Pekanbaru Jl. Jend. Sudirman No. 411 Kota Pekanbaru Riau 0761-862915 KCU
Pekanbaru Branch Office City of Pekanbaru
Kantor Cabang Jl. Hayam Wuruk No. 142 Kab. Pekalongan Jawa Tengah 0285-411222 KCU
Pekalongan Regency of Central Java
Pekalongan Branch Office Pekalongan
Kantor Cabang Bogor Jl. Pajajaran No. 165 Kota Bogor Jawa Barat 0251-8320111 KCU
Bogor Branch Office City of Bogor West Java
Kantor Cabang Cirebon Jl. Siliwangi No. 60 Kab. Cirebon Jawa Barat 0231-200828 KCU
Cirebon Branch Office Regency of Cirebon West Java
Kantor Cabang Sidimpuan Jl. Baginda Oloan/Gatot Kota Padang Sumatera Utara 0634-22999 KCU
Sidimpuan Branch Office Subroto No. 08 Sidempuan North Sumatra
City of Padang
Sidimpuan
Kantor Cabang Samarinda Jl. Pahlawan Blok F No. Kota Samarinda Kalimantan Timur 0541-745511 KCU
Samarinda Branch Office 3a-b Kel. Dadi Mulya Kec. City of Samarinda East Kalimantan
Samarinda Ulu

Kota/
Kabupaten
City/Regency
Kantor Cabang Cianjur Jl. Kh Abdullah Bin Nuh No 3, Kab. Cianjur Jawa Barat 0263-280950 KCU
Cianjur Branch Office 002/015, Pamoyanan, Cianjur Regency of Cianjur West Java
Jabar
Kantor Cabang Batam Ruko Mahkota Raya Blok D Kota Batam Riau 0778-467241 KCU
Batam No. 11-12 Batam Center City of Batam
Branch Office
Kantor Cabang Solo Jl. Slamet Riyadi No. 388 Kota Surakarta Jawa Tengah 0271-743457 KCU
Solo Branch Office City of Surakarta Central Java
Kantor Cabang Bandar Jl. Raden Intan No. 92 C-D Kota Bandar Lampung 0721 242123 KCU
Lampung Bandar Lampung Lampung
Bandar Lampung Branch City of Bandar
Office Lampung
Kantor Cabang Malang Jl. Kertanegara No. 2 Kel. Kota Malang Jawa Timur 0341-556020 KCU
Malang Branch Office Kidul Dalem, Kec. Klojen, Kota City of Malang East Java
Malang, Jawa Timur
Kantor Cabang Gorontalo Jl. Raja Eyato No. 35A, Kel. Kota Gorontalo Gorontalo 0435-831747 KCU
Gorontalo Branch Office Biawu, Kec. Kota Selatan City of Gorontalo
Gorontalo
Kantor Cabang Jl. Ahmad Yani Km. 6 Kota Banjarmasin Kalimantan Selatan 0511-3264050 KCU
Banjarmasin Banjarmasin-Kalimantan City of Banjarmasin South Kalimantan
Banjarmasin Branch Office Selatan
Kantor Cabang Bengkulu Jl. S. Parman No.62 C-D Kota Bengkulu Bengkulu 0736-348100 KCU
Bengkulu Branch Office Kelurahan Padang Jati Kota City of Bengkulu
Bengkulu
Kantor Cabang Jambi Jl. Sultan Agung No. 01 Kel. Kota Jambi Jambi 0741-7551241 KCU
Jambi Branch Office Murni Kec. Telanai Pura, Kota City of Jambi
Jambi
Kantor Cabang Pontianak Jl. Sultan Syarif Abdurrahman Kab Pontianak Kalimanta Barat 0561-731756 KCU
Pontianak Branch Office No. 62A, Pontianak Regency of West Kalimantan
Pontianak
Kantor Cabang Palembang Jl. Letkol Iskandar Komp. Ilir Kota Palembang Sumatera Selatan 0711-351239 KCU
Palembang Branch Office Barat Permai Blok D2 No. City of Palembang South Sumatra
64-65
Kantor Cabang Jl. Ahmad Yani No 15-17 Kota Kab Tasikmalaya Jawa Barat 0265-326900 KCU
Tasikmalaya Tasikmalaya Regency of West Java
Tasikmalaya Branch Office Tasikmalaya
Kantor Cabang Padang Jl. Rasuna Said No. 107 Kota Padang Sumatera Barat 0751-7054106 KCU
Padang Branch Office Padang City of Padang West Sumatra
Kantor Cabang Yogyakarta Jl. P. Mangkubumi No 50 Kota Yogyakarta D.I Yogyakarta 0274-544416 KCU
Yogyakarta Branch Office City of Yogyakarta
Kantor Cabang Jember Jl. PB. Sudirman No. 35 Kab Jember Jawa Timur 0331-410433 KCU
Jember Branch Office Regency of Jember East Java
Kantor Cabang Kendari Jl.Dr. Sam Ratulangi No. 170 Kota Kendari Sulawesi Tenggara 0401-3129900 KCU
Kendari Branch Office City of Kendari South East Sulawesi
Kantor Cabang Kediri Jl. Hasanuddin No. 26 Kel. Kota Kediri Jawa Timur 0354-671801 KCU
Kediri Branch Office Dandangan Kediri City of Kediri East Java
Kantor Cabang Komp. Ruko Satria Plaza Blok Kab. Banyumas Jawa Tengah 0281-642345 KCU
Purwokerto A5 Jl. Jend Sudirman Regency of Central Java
Purwokerto Branch Office Banyumas
Kantor Cabang Banda Jl. Tgk. H.M. Daud Beureueh Kota Banda Aceh Aceh 0651-635654 KCU
Aceh No. 174 A-B City of Banda Aceh
Banda Aceh Branch Office
Kantor Cabang Denpasar Jl. P Diponegoro No.238f Kota Denpasar Bali 0361-255474 KCU
Denpasar Branch Office Sanglah, Denpasar, Bali City of Denpasar
Kantor Cabang Jl. Diponegoro No. 17 Kota Palangkaraya Kalimantan Tengah 0536-3227092 KCU
Palangkaraya Palangkaraya, Kalimantan City of Central Kalimantan
Palangkaraya Branch Tengah Palangkaraya
Office
Kantor Cabang Jl. Sangnawaluh/Asahan Kota Pematang Sumatera Utara 0622-26662 KCU
Pematangsiantar Komp. Megaland Blok A No. Siantar North Sumatra
Pematangsiantar 6 dan 7 City of Pematang
Branch Office Siantar
Kantor Cabang Palu Jl. Prof. Moh. Yamin Kompleks Kota Palu Sulawesi Tengah 0451-457555 KCU
Palu Branch Office Perkantoran D’vatulemo No. City of Palu Central Sulawesi
2-3
Kantor Cabang Ternate Jl. Hasan Esa No. 19, Kel. Kota Ternate Maluku Utara 0921-3124458 KCU
Ternate Branch Office Takoma Ternate City of Ternate North Maluku

2021 Annual Report
Kota/
Kabupaten
City/Regency
Kantor Cabang Sorong Ruko H.Lasedi Jl.Jend Kab. Sorong Papua Barat 0951-332777 KCU
Sorong Branch Office Sudirman No. 2a-2b depan Regency of Sorong West Papua
Pasar Bersama
Kantor Cabang Serang Jl. Ahmad Yani No. 91 Kel. Kota Serang Banten 0254-229180 KCU
Serang Branch Office Sumur Pecung Kec. Serang City of Serang
Kantor Cabang Pangkal Jl. Ahmad Yani Dalam Kel. Kota Pangkal Bangka Belitung 0717-422812 KCU
Pinang Bukit Sari, Kec. Gerunggang Pinang
Pangkal Pinang Branch City of Pangkal
Office Pinang
Kantor Cabang Tanjung Jl. Raja Ali Haji No. 50, Tanjung Kota Tanjungpinang Kepulauan 0771-441 999 KCU
Pinang Pinang, Kepulauan Riau City of Riau
Tanjung Pinang Branch Tanjungpinang Riau Islands
Office
Kantor Cabang Sukabumi Jl. Jend Sudirman No. 39 Kel Kab. Sukabumi Jawa Barat 0266-245888 KCU
Sukabumi Branch Office Benteng, Kec Warudoyong, Regency of West Java
Sukabumi Sukabumi
Kantor Cabang Kupang Jl. Jenderal Sudirman No. 8e- Kab. Kupang Nusa Tenggara 0380 829554/56 KCU
Kupang Branch Office 8f, Kel. Kuanino, Kec. Oebobo, Regency of Kupang Timur
Kupang East Nusa Tenggara
Kantor Cabang Langsa Jl. Ahmad Yani No. 1-2 Kota Kota Langsa Aceh 0641-426584 KCU
Langsa Branch Office Langsa City of Langsa
Kantor Cabang Jayapura Ruko Pasific Permai Blok C Kab. Jayapura Papua 0967-551777 KCU
Jayapura Branch Office No. 33 Dok Ii Jayapura-Papua Regency of
Jayapura
Kantor Cabang Ambon Jl. Am. Sangadji No. 45, Kota Ambon Maluku 0911-314444 KCU
Ambon Branch Office Kelurahan Honipopu, City of Ambon
Kecamatan Sirimau, Kota
Ambon, Propinsi Maluku
Kantor Cabang Surabaya- Jl. Mayjend Sungkono No. 107, Kota Surabaya Jawa Timur 031-5666983 KCU
Sungkono Kel. Dukuh Pakis, Kec. Dukuh City of Surabaya East Java
Surabaya-Sungkono Pakis
Branch Office
Kantor Cabang Jakarta- Gedung Dewan Dakwah Wil. Kota Jakarta DKI Jakarta 021-85913534 KCU
Kramat Raya Islamiyah, Jl. Kramat Raya Pusat
Jakarta-Kramat Raya No. 45 Central Jakarta
Branch Office
Kantor Cabang Jakarta- Jl. Paus No. 83 B-C Kel. Jati, Wil. Kota Jakarta DKI Jakarta 021-4786-4444 KCU
Rawamangun Kec. Pulo Gadung Jakarta Timur
Jakarta-Rawamangun Timur East Jakarta
Branch Office
Kantor Cabang Jakarta- Ruko Emerald Avenue 2 Blok Kota Tangerang Banten 021-56980556 KCU
Bintaro Jaya Eb/B No. 16-18 Bintaro Jaya, City of Tangerang
Jakarta-Bintaro Jaya Kel. Parigi, Kec. Pondok Aren
Branch Office
Kantor Cabang Jakarta- Sentra Niaga Puri Indah Blok Wil. Kota Jakarta DKI Jakarta 021-5817259 KCU
Puri Indah T3, No. 12a-14 Barat
Jakarta-Puri Indah Branch West Jakarta
Office
Kantor Cabang Jakarta- Jl. Boulevard Raya Kelapa Wil. Kota Jakarta DKI Jakarta 021-45856969 KCU
Kelapa Gading Gading Blok La/6 No. 34,35 Utara
Jakarta-Kelapa Gading Jakarta North Jakarta
Branch Office
Kantor Cabang Jakarta- Ruko Roximas Blok B1/7 Jl. Kh. Wil. Kota Jakarta DKI Jakarta 021-6325614 KCU
Roxy Hasyim Ashari Pusat
Jakarta-Roxy Branch Office Central Jakarta
Kantor Cabang Jakarta- Jl. Wolter Monginsidi No. 123 Wil. Kota Jakarta DKI Jakarta 021-722 7272 KCU
Wolter Monginsidi Jakarta- D-E Rt/Rw 001/02, Kel. Rawa Selatan
Wolter Monginsidi Branch Barat, Kec. Keb. Baru South Jakarta
Office
Kantor Cabang Jakarta- Jl. Melawai Raya No. 72 Wil. Kota Jakarta DKI Jakarta 021-7200489 KCU
Melawai Kramat Pela Kebayoran Baru Selatan
Jakarta-Melawai South Jakarta
Kantor Cabang Jakarta- Wisma Haroen, Jl. Raya Pasar Wil. Kota Jakarta DKI Jakarta 021-7973654 KCU
Pancoran Minggu No. 2 B-C, Pancoran, Selatan
Jakarta-Pancoran Branch Jakarta Selatan South Jakarta
Office
Kantor Cabang Jakarta- Tangerang City Business Park Kota Tangerang Banten 021-557782368 KCU
Tangerang City Blok F No. 56, City of Tangerang
Jakarta-Tangerang City Jl. Jend Sudirman No. 1 Kota
Branch Office Tangerang

Kota/
Kabupaten
City/Regency
Kantor Cabang Jakarta- Jl. Chairil Anwar Blok C. 29-30 Kota Bekasi Jawa Barat 021-8826566 KCU
Kalimas Bekasi Timur City of Bekasi West Java
Jakarta-Kalimas Branch
Office
Kantor Cabang Jakarta- Komp. Ruko Mutiara Taman Wil. Kota Jakarta DKI Jakarta 021-54350004 KCU
Cengkareng Palem Blok A3 No. 32-33, Barat
Jakarta-Cengkareng Jl. Kamal Raya Outer Ring West Jakarta
Branch Office Road Cengkareng Timur
Kantor Cabang Jakarta- CBD Ciledug Blok D2 Wil. Kota Jakarta DKI Jakarta 021-7310230 KCU
Ciledug No. 19-20 Barat
Jakarta-Ciledug Branch West Jakarta
Office
Kantor Cabang Jakarta- Ruko Buaran Indah Blok C Wil. Kota Jakarta DKI Jakarta 021-86609797 KCU
Buaran Klender No. 9-11 Jl. Raden Inten Timur
Jakarta-Buaran Klender Buaran Klender Jakarta Timur East Jakarta
Branch Office
Kantor Cabang Cilegon Jalan Raya Cilegon/A Yani Kota Cilegon Banten 0254-394283 KCU
Cilegon Branch Office Km 36 RT 06/01, Kedaleman, City of Cilegon
Cibeber, Cilegon Banten
Kantor Cabang Mamuju Jl. Urip Sumoharjo No. 53 Kab. Mamuju Utara Sulawesi Utara 0426-22606 KCU
Mamuju Branch Office Mamuju Regency of North North Sulawesi
Mamuju
Kantor Cabang Depok Jl. Margonda Raya Kota Depok Jawa Barat 021-77217508 KCU
Depok Branch Office No. 187,Depok City of Depok West Java
Kantor Cabang Cipulir Ruko Cipulir Plaza Wil. Kota Jakarta DKI Jakarta 021-2700075 KCU
Cipulir Branch Office Jl. Ciledug Raya No. 18 Utara
North Jakarta
Kantor Cabang Surabaya- Jl. KH. Mas Mansyur 171 Kota Surabaya Jawa Timur 031-3545250 KCU
Mas Mansyur City of Surabaya East Java
Surabaya-Mas Mansyur
Branch Office
Kantor Cabang Tegal Ruko Gajah Mada Town Kota Tegal Jawa Timur 0283-354807 KCU
Tegal Branch Office Square No. 3-4 Jl. Gajah Mada City of Tegal East Java
RT/RW 07/02, Kel. Mintaragen,
Kec. Tegal Timur
Kantor Cabang Jakarta- Jl. Tuparev No. 297, Karawang Kab. Karawang Jawa Barat 0267-8452333 KCU
Karawang Barat, Kab. Karawang Regency of West Java
Jakarta-Karawang Branch Karawang
Office
Kantor Cabang Kudus Ruko Ahmad Yani No. 19-20, Kab. Kudus Jawa Timur 0291-4251545 KCU
Kudus Branch Office Jl.Ahmad Yani Kel. Panjunan Regency of Kudus East Java
Kantor Cabang Kuala Suite 1.03-1.05 Ground Floor di luar Indonesia Malaysia 603-27110807 KCU
Lumpur No. 67, Wisma Goldhill Jalan outside Indonesia
Kuala Lumpur Branch Raja Chulan 50200 Kuala
Office Lumpur
Kantor Cabang Jakarta- Jl. Otista Raya No. 409, Wil. Kota Jakarta DKI Jakarta 021-65867770 KCU
Otista Rt. 006/012, Bidara Cina, Timur
Jakarta-Otista Branch Jatinegara East Jakarta
Office
Kantor Cabang Jakarta- Gd. Dewan Dakwah Islamiyah, Wil. Kota Jakarta DKI Jakarta 021-22127144 KCU
Kebon Jeruk Jl. Panjang No. 12, Kebon Barat
Jakarta-Kebon Jeruk Jeruk West Jakarta
Branch Office
Kantor Cabang Manado Jl. Samratulangi No. 11 Kel. Kota Manado Sulawesi Utara 0431-877778 KCU
Manado Branch Office Wenang Utara, Kec. Wenang City of Manado North Sulawesi
Kantor Cabang Sawangan- Ruko Sari Plasa, Jl. Bojongsari Kota Depok Jawa Barat 021-62201187 KCU
Bojongsari No.1, Bojongsari City of Depok West Java
Sawangan-Bojongsari
Branch Office
Kantor Cabang Jababeka Ruko Roxy Pecenongan Kab Bekasi Jawa Barat 021-6336363 KCU
Jababeka Branch Office Square Jababeka, Jl. Kasuari Regency of Bekasi West Java
Raya S1 B N0. 2-3, Cikarang
Utara
Kantor Cabang Medan Jl. Iskandar Muda No. 121 Kota Medan Sumatera Utara 061-4579343 KCU
Baru City of Medan North Sumatra
Medan Baru Branch Office
Kantor Cabang Mataram Jl. Langko No. 01, Kel. Gomong Kota Mataram Nusa Tenggara 0370-646060 KCU
Mataram Branch Office Barat, Kec. Selaparang City of Mataram Barat
West Nusa
Tenggara

2021 Annual Report
Kota/
Kabupaten
City/Regency
KCP Bandung-Dago Jl. Ir. H. Djuanda Nomor 185 Kota Bandung Jawa Barat 022 2530521 KCP
Bandung-Dago Sub- Dago City of Bandung West Java
Branch Office
KCP Bandung-Garut Jl. Ciledug No. 247 Garut Kota Bandung Jawa Barat 0262 243399 KCP
Bandung-Garut Sub- City of Bandung West Java
Branch Office
KCP Bandung-Cimahi Jl. Raya Timur No. 182 Cimahi Kota Bandung Jawa Barat 022-6643920 KCP
Bandung-Cimahi Sub- City of Bandung Wets Java
Branch Office
KCP Bandung-Purwakarta Jl. Re Martadinata No. 39 Kota Kota Bandung Jawa Barat 0264-8220000 KCP
Bandung-Purwakarta Sub- Purwakarta City of Bandung West Java
Branch Office
KCP Bandung-Cicadas Jl. Ahmad Yani No. 821 Kec. Kota Bandung Jawa Barat 022-7277749 KCP
Bandung-Cicadas Sub- Cicadas, Kodya Bandung City of Bandung West Java
Branch Office
KCP Bandung-Subang Jl. Otista No. 94 Subang Kota Bandung Jawa Barat 0260-421666 KCP
Bandung-Subang Sub- City of Bandung West Java
Branch Office
KCP Bandung-Padalarang Jl. Raya Cimareme No. 340 B, Kota Bandung Jawa Barat 022-6867783 KCP
Bandung-Padalarang Sub- Kec. Padalarang, City of Bandung West Java
Branch Office Kab. Bandung
KCP Bogor-IPB Darmaga Kampus IPB Darmaga Kab. Bogor Jawa Barat 0251-8625134 KCP
Bogor-IPB Darmaga Sub- (Gedung Gww) Bogor Regency of Bogor West Java
Branch Office
KCP Bogor-Cibinong Cibinong City Center Blok Kab. Bogor Jawa Barat 021-87919683 KCP
Bogor-Cibinong Sub- A/22, Jl. Tegar Beriman Regency of Bogor West Java
Branch Office No. 01 RT/RW 05/012,
Pekansari, Cibinong, Bogor
KCP Cirebon-Kuningan Jl. Siliwangi No. 124 Kuningan Kab. Cirebon Jawa Barat 0232-879664 KCP
Cirebon-Kuningan Sub- 45511 Regency of Cirebon West Java
Branch Office
KCP Cirebon-Majalengka Jl. Kh.Abdul Halim No. 81 RT/ Kab. Majalengka Jawa Barat 0233-8286427 KCP
Cirebon-Majalengka Sub- RW 03/11 Kab. Majalengka Regency of West Java
Branch Office Majalengka
KCP Cirebon-Arjawinangun Jl. Palimanan-Jakarta Km 02 Kab. Cirebon Jawa Barat 0231-357007 KCP
Cirebon-Arjawinangun Ds. Junjang Rt/Rw 05/03 Kab. Regency of Cirebon West Java
Sub-Branch Office Cirebon
KCP Cirebon-Sumber Jl. Dewi Sartika No. 10 A, Kel. Kab. Cirebon Jawa Barat 0231-322775 KCP
Cirebon-Sumber Sub- Tukmudal Kec. Sumber Kab. Regency of Cirebon West Java
Branch Office Cirebon
KCP Cianjur-Cipanas Jl. Raya Cipanas (Depan Pasar Kab. Cianjur Jawa Barat 0263-520267 KCP
Cianjur-Cipanas Sub- Cipanas) No. 134 E Cianjur Regency of Cianjur West Java
Branch Office
KCP Bandung-Soreang Jl. Raya Soreang Bandung, Kota Bandung Jawa Barat 022-7305919 KCP
Bandung-Soreang Sub- Kec. Soreang, Kab. Bandung City of Bandung West Java
Branch Office
KCP Sukabumi-Cibadak Jl. Siliwangi No. 132 RT01/ Kab. Sukabumi Jawa Barat 0266-536257 KCP
Sukabumi-Cibadak Sub- RW17, Kel. Cibadak, Kab. Regency of West Java
Branch Office Sukabumi Sukabumi
KCP Pekanbaru-Kampar Jl. Jend. Sudirman No. 8 Kab. Kampar Riau 0762-20908 KCP
Pekanbaru-Kampar Sub- Bangkinang Regency of Kampar
Branch Office
KCP Medan-Serdang Jl. Hm Yamin No. 237, Medan Kota Medan Sumatera Utara 061-4144343 KCP
Medan-Serdang Sub- City of Medan North Sumatra
Branch Office
KCP Padangsidempuan- Jl. A.Yani No.171 Rantau Kota. Padang Sumatera Utara 0624-327100 KCP
Rantau Prapat Prapat Kab. Labuhan Batu Sidempuan North Sumatra
Padang Sidempuan- City of Padang
Rantau Prapat Sub-Branch Sidempuan
Office
KCP Padangsidempuan- Jl. Willem Iskandar No. 173 Kota Padang Sumatera Utara 0636-321234 KCP
Panyabungan Panyabungan 22912 Sidempuan North Sumatra
Padansidempuan- City of Padang
Panyabungan Sub-Branch Sidempuan
Office
KCP Tanjung Balai-Kisaran Jl. Cokroaminoto No. 245 Kota Tanjung Balai Sumatera Utara 0623-41767 KCP
Tanjong Balai-Kisaran Sub- Kisaran City of Tanjung North Sumatra
Branch Office Balai

Kota/
Kabupaten
City/Regency
KCP Langsa-Lhokseumawe Jl.N. Merdeka No. 2-3 Kel. Kota Lhokseumawe Aceh 0645-631616 KCP
Langsa-Lhokseumae Sub- Simpang Empat, Kec. Banda City of
Branch Office Sakti, Kota Lhokseumawe Lhokseumawe
KCP Kalimalang- Jl. Sunan Giri No. 1 Wil. Kota Jakarta DKI Jakarta 021-4706725 KCP
Rawamangun Rawamangun Jaktim Timur
Kalimalang-Rawamangun East Jakarta
Sub-Branch Office
KCP Fatmawati-Cikeas Rukan Transyogi No. 11 Kab. Bogor Jawa Barat 021-82481997 KCP
Fatmawati-Cikeas Sub- Jl. Transyogi Cibubur, Kel. Regency of Bogor West Java
Branch Office Nagrak Kec. Gn. Putri
KCP Fatmawati-Cinere Jl. Cinere Raya Blok Na, 18d Kota Depok Jawa Barat 021-7536539 KCP
Fatmawati-Cinere Sub- Cinere Limo Depok City of Depok West Java
Branch Office
KCP BSD-Merdeka Jl. Merdeka Raya No. 101c Kota. Tangerang Banten 021-5581052 KCP
BSD-Merdeka Sub-Branch Cimone Raya, Karawaci City of Tangerang
Office
KCP Fatmawati-Cimanggis Jl. Raya Bogor Km 29 No. 9b Kota Depok Jawa Barat 021-87713174 KCP
Fatmawati-Cimanggis Sub- Cimanggis City of Depok West Java
Branch Office
KCP Kalimalang-Bekasi- Jl. Ir. H. Juanda No. 60 Kota Bekasi Jawa Barat 021-8850966 KCP
Juanda Margajaya, Bekasi City of Bekasi West Java
Kalimalang-Bekasi-Juanda
Sub-Branch Office
KCP Bandar Lampung- Jl. Proklamator No. 138 A Kab. Lampung Lampung 0725-527400 KCP
Bandarjaya Bandar Jaya, Lampung Tengah Tengah
Bandar Lampung- Regency of Central
Bandarjaya Sub-Branch Lampung
Office
KCP Bandar Lampung- Jl. Jend. Sudirman No. 282 B Kota Metro Lampung 0725-7850500 KCP
Metro Metro City of Metro
Bandar Lampung-Metro
Sub-Branch Office
KCP Bandar Lampung- Jl. Za Pagar Alam No. 12 Kota Bandar Lampung 0721-785535 KCP
Pagar Alam Bandar Lampung Lampung
Bandar Lampung-Pagar City of Bandar
Alam Sub-Branch Office Lampung
KCP Bandarlampung- Jl. P. Antasari No. 144 Bandar Kota Bandar Lampung 0721263860 KCP
Antasari Lampung Lampung
Bandarlampung-Antasari City of
Sub-Branch Office Bandarlampung
KCP Palembang-Plaju Komp. Rs Muhammadiyah Kota Palembang Sumatera Selatan 0711-511107 KCP
Palembang-Plaju Sub- Palembang Jl. Jenderal A.Yani City of Palembang South Sumatra
Branch Office 13 Ulu Palembang
KCP Buaran Klender- Jalan Nusa Indah Raya Blok 40 Wil. Kota Jakarta DKI Jakarta 021-86610490 KCP
Pondok Kopi Buaran No. 15 Perumnas Klender Timur
Klender-Pondok Kopi Sub- East Jakarta
Branch Office
KCP Pangkal Pinang- Jl. Jend.Sudirman No.28, Kab. Belitung Kepulauan Bangka 0719-21513 KCP
Tanjungpandan Pangkallalang Regency of Belitung Belitung
Pangkal Pinang-Tanjung Bangka Belitung
Pandan Sub-Branch Office Islands
KCP Pangkal Pinang- Komp. Ruko Permata Indah Kab Bangka Kepulauan Bangka 0717-95912 KCP
Sungailiat Blok B No.6-7 Jl. Jend. Regency of Bangka Belitung
Pangkal Pinang-Sungailiat Sudirman No. 30 Sungailiat Bangka Belitung
Sub-Branch Office Islands
KCP BSD-Pamulang Jl. Raya Pamulang Blok Sh Kota Tangerang Banten 021-7428885 KCP
BSD-Pamulang Sub- 19/9 Tangerang Selatan City of Tangerang
Branch Office
KCP BSD-UIN Komp. Masjid Fatahillah Jl. Ir. Kota Tangerang Banten 021-7442465 KCP
BSD-UIN Sub-Branch H. Juanda Ciputat Tangerang Regency of
Office Tangerang
KCP Palembang-Baturaja Jl. Jendral A.Yani No.324 Kel. Kab. Ogan Sulawesi Selatan 0735-321811 KCP
Palembang-Baturaja Sub- Kemalaraja Kec.Baturaja Komering Ulu South Sulawesi
Branch Office Timur Regency of Ogan
Komering Ulu l
KCP Palembang-Muara Jl. Jend. Sudirman Talang Jawa Kab. Lematang Sumatera Selatan 0734-421848 KCP
Enim Atas Ilir Ogan Tengah South Sumatra
Palembang-Muara Enim (Muara Enim)
Sub-Branch Office Regency of
Lematang Ilir Ogan
Tengah (Muara
Enim)

2021 Annual Report
Kota/
Kabupaten
City/Regency
KCP Padang-Capem Bukit Jl. A.Yani No 99 D Kelurahan Kota Bukittinggi Sumatera Barat 0752-32006 KCP
Tinggi Benteng Psr Atas Bukittinggi City of Bukittinggi West Sumatra
Padang-Bukit Tinggi Sub-
Branch Office
KCP Padang-Capem Jl. Soekarno Hatta No. 87 Kota Payakumbuh Sumatera Barat 0752-796757 KCP
Payakumbuh Payakumbuh City of Payakumbuh West Sumatra
Padang-Payakumbuh Sub-
Branch Office
KCP Padang-Capem Solok Jl. M.Yamin No. 87 Kel.Pasar Kota Solok Sumatera Barat 0755-20011 KCP
Padang-Solok Sub-Branch Pandan Air Mati, Kec. Tanjung City of Solok West Sumatra
Office Harapan Kota Solok
KCP Bengkulu-Curup Jl. Merdeka No. 732 RT03 Kab. Rejang Lebong Bengkulu 0732-22290 KCP
Bengkulu-Curup Sub- RW02 Pasar Baru Curup Regency of Rejang
Branch Office Lebon g
KCP Jambi-Muara Bungo Jl. M. Yamin No. 14, Kec. Pasar Kab. Bungo Jambi 0747-321778 KCP
Jambi-Muara Bungo Sub- Muara Bungo Regency of Bungo
Branch Office
KCP Pancoran-Condet Ruko Mutiara Faza Jl. Raya Wil. Kota Jakarta DKI Jakarta 021-87798827 KCP
Pancoran-Condet Sub- Condet Kelurahan Gedong Timur
Branch Office Kec. Pasar Rebo Jakarta Timur East Jakarta
KCP Pancoran-Pasar Jl. Raya Ragunan No. 26, Kel. Wil. Kota Jakarta DKI Jakarta 021-78848710 KCP
Minggu Pasar Minggu, Kec. Pasar Selatan
Pancoran-Pasar Minggu Minggu, Jakarta Selatan South Jakarta
Sub-Branch Office
KCP Medan Sudirman- Jl. Kh. Zainul Arifin No. 52 B-C, Kota Binjai Sumatera Utara 061-8912323 KCP
Stabat Stabat Regency of Binjai North Sumatra
Medan Sudirman-Stabat
Sub-Branch Office
KCP Bengkulu-Manna Jl. Jendral Sudirman No. Kab. Bengkulu Bengkulu 0736-348100 KCP
Bengkulu-Manna Sub- 81 Kota Manna Kabupaten Selatan
Branch Office Bengkulu Selatan Regency of South
Bengkulu
KCP Bengkulu-Arga Jl. Sutan Syahrir No. 10 Pasar Kab. Bengkulu Bengkulu 0736-348100 KCP
Makmur Purwodadi Kota Arga Makmur Utara
Bengkulu-Arga Makmur Kabupaten Bengkulu Utara Regency of North
Sub-Branch Office Bengkulu
KCP Serang-Balaraja Jl. Raya Serang Jakarta Km 22, Kab. Serang Banten 0254-229180 KCP
Serang-Balaraja Sub- Kec. Cikupa, Kab. Tangerang, Regency of Serang
Branch Office Banten
KCP Bandar Lampung-Al- Jl. Soekarno Hatta, Rajabasa, Kota. Bandar Lampung 0721-709097 KCP
Kautsar Bandar Lampung Lampung
Bandar Lampung-Al- City of Bandar
Kautsar Sub-Branch Office Lampung
KCP Pangkal Pinang-Koba Jl. Soekarno Hatta Ii, Simpang Kota Tanjungpinang Kepulauan Riau 0771-482777 KCP
Pangkal Pinang-Koba Sub- Perlang, Kec. Koba, Kab. City of Riau Islands
Branch Office Bangka Tengah Tanjungpinang
KCP Semarang-Kendal Jl. Soekarno Hatta No. 244, Kab. Kendal Jawa Tengah 0294-382700 KCP
Semarang-Kendal Sub- Pekauman Regency of Kendal Central Java
Branch Office
KCP Semarang-Salatiga Jl. Sukowati No 19 C Salatiga Kota Salatiga Jawa Tengah 0298-315937 KCP
Semarang-Salatiga Sub- City of Salatiga Central Java
Branch Office
KCP Semarang-Wonosobo Jl. Rsu No. 10 Wonosobo Kab. Wonosobo Jawa Tengah 0286-325197 KCP
Semarang-Wonosobo Sub- Regency of Central Java
Branch Office Wonosobo
KCP Pekalongan-Batang Ruko Niaga Srikandi Blok Kab. Batang Jawa Tengah 0285-7907511 KCP
Pekalongan-Batang Sub- A No. 3. Jl. Pangeran Regency of Batang Central Java
Branch Office Diponogoro, Kel
Proyonanggan Tengah, Kec
Batang
KCP Solo-Kartasura Jl. A. Yani No. 54 B Kartasura Kab. Sukoharjo Jawa Tengah 0271-780523 KCP
Solo-Kartasura Sub-Branch Kelurahan Kartasura Regency of Central Java
Office Kecamatan Kartasura Sukoharjo
KCP Solo-Boyolali Jl. Pandanaran No. 55, Kel. Kota. Surakarta Jawa Tengah 0276-323484 KCP
Solo-Boyolali Sub-Branch Siswodipuran, Kec. Boyolali City of Surakarta Central Java
Office
KCP Solo-Sragen Jl. Raya Sukowati 133 Sragen Kab. Sragen Jawa Tengah 0271-891658 KCP
Solo-Sragen Sub-Branch Regency of Sragen Central Java
Office

Kota/
Kabupaten
City/Regency
KCP Solo-Karanganyar Jl. Lawu 356 Karanganyar Kab. Karanganyar Jawa Tengah 0271-6497033 KCP
Solo-Karanganyar Sub- Regency of Central Java
Branch Office Karanganyar
KCP Yogyakarta- Jl. Mayjen Sutoyo No. 71 B Kota Yogyakarta D.I Yogyakarta 0274-414666 KCP
Wirobrajan Mantrijeron, Yogyakarta City of Yogyakarta
Yogyakarta-Wirobrajan
Sub-Branch Office
KCP Purwokerto-Cilacap Jl. Gatot Soebroto No. 104 A Kab. Cilacap Jawa Tengah 0282-5253195 KCP
Purworejo-Cilacap Sub- Regency of Cilacap Central Java
Branch Office
KCP Purwokerto- Jl. Jend. Sudirman No. 189, Kab. Purbalingga Jawa Tengah 0281-895415 KCP
Purbalingga Purbalingga, Kel. Bancar, Kec. Regency of Central Java
Purwokerto-Purbalingga Purbalingga Purbalingga
Sub-Branch Office
KCP Yogyakarta-Bantul Jl. Jenderal Sudirman No. 40 Kab. Bantul D. I Yogyakarta 0274367121 KCP
Yogyakarta-Bantul Sub- Bantul Regency of Bantul
Branch Office
KCP Samarinda-Bontang Jl. MT Haryono No.15 RT29 Bontang, Kota. Kalimantan Selatan 0548-21322 KCP
Samarinda-Bontang Sub- RW09 Kel. Api-Api Kec. City of Bontang South Kalimantan
Branch Office Bontang Utara, Bontang
75311
KCP Samarinda-Sangatta Jl. Yos Sudarso Ii No. 27 RT22 Kota Samarinda Kalimantan Timur 0549-5506227 KCP
Samarinda-Sangatta Sub- Kec. Sangatta Utara , Kab. City of Samarinda East Kalimantan
Branch Office Kutai Timur 75611
KCP Samarinda-Berau Jl. Aminuddin Kel. Bugis Kec. Kab. Berau Kalimantan Timur 0554-2027043 KCP
Samarinda-Berau Sub- Tanjung Redeb Kab. Berau Regency of Berau East Kalimantan
Branch Office
KCP Banjarmasin- Jl. Ahmad Yani Km 36 Kab. Banjar Kalimantan Selatan 0511-4773199 KCP
Banjarbaru Banjarbaru-Kalimantan Regency of Banjar South Kalimantan
Banjarmasin-Banjarbaru Selatan
Sub-Branch Office
KCP Balikpapan-Kilo Jl. Soekarno Hatta Km Kota. Balikpapan Kalimantan Timur 0542-417682 KCP
Balikpapan-Kilo Sub- 2,5 RT15 No. 23 Kel. Gn. City of Balik papan East Kalimantan
Branch Office Samarinda, Balikpapan, Kaltim
KCP Palangkaraya-Sampit Jl. Ais Nasution No. 8 Sampit Kota Palangkaraya Kalimantan Tengah 0531-30954 KCP
Palangkaraya-Sampit Sub- Kab. Kotawaringin Timur, City of Central Kalimantan
Branch Office Kalimantan Tengah Palangkaraya
KCP Palangkaraya- Jl. P. Antasari Kab. Kota Palangkaraya Kalimantan Tengah 0532-28133 KCP
Pangkalan Bun Kotawaringin Barat, City of Central Kalimantan
Palangkaraya-Pangkalan Kalimantan Tengah Palangkaraya
Bun Sub-Branch Office
KCP Surabaya-Jombang Jl. Merdeka No.22 Jombang Kab. Jombang Jawa Timur 0321-870021 KCP
Surabaya-Jombang Sub- Regency of East Java
Branch Office Jombang
KCP Surabaya-Mojokerto Jl. Gajah Mada No. 98 D Kab. Mojokerto Jawa Timur 0321-381638 KCP
Surabaya-Mojokerto Sub- Mojokerto Regency of East Java
Branch Office Mojokerto
KCP Surabaya-Sidoarjo Jl. Jenggolono.20 Kel. Pucang, Kab. Sidoarjo Jawa Timur 031-8959988 KCP
Surabaya-Sidoarjo Sub- Kec. Sidoarjo, Kab. Sidoarjo, Regency of Sidoarjo East Java
Branch Office Jawa Timur
KCP Malang-Probolinggo Jl. Sukarno Hatta No. 275 Kab. Probolinggo Jawa Timur 0335-430016 KCP
Malang-Probolinggo Sub- Kav 4,Kel. Tisnonegaran, Kec. Regency of East Java
Branch Office Mayangan Probolinggo
KCP Malang-Kepanjen Jl. Ahmad Yani No. 5, Ardirejo, Kab. Malang Jawa Timur 0341-393800 KCP
Malang-Kepanjen Sub- Kepanjen Kab. Malang Regency of Malang East Java
Branch Office
KCP Malang-Batu Jl. Kh Agus Salim Kv 1 Batu Kab. Malang Jawa Timur 0341-592544 KCP
Malang-Batu Sub-Branch Malang Regency of Malang East Java
Office
KCP Jember-Genteng Jl. Diponegoro No. 19 Genteng Kab. Banyuwangi Jawa Timur 0333-846997 KCP
Banyuwangi Banyuwangi Regency of East Java
Jember-Genteng Banyuwangi
Banyuwangi Sub-Branch
Office
KCP Jember-Situbondo Jl. A. Yani No. 197 A Situbondo Kab. Situbondo Jawa Timur 0338-670766 KCP
Jember-Situbondo Sub- Regency of East Java
Branch Office Situbondo

2021 Annual Report
Kota/
Kabupaten
City/Regency
KCP Jember-Banyuwangi Jl. Adi Sucipto No.40 A, Kab. Banyuwangi Jawa Timur 0333 412136 KCP
Jember-Banyuwangi Sub- Banyuwangi Regency of East Java
Branch Office Banyuwangi
KCP Kediri-Madiun Jl. Urip Sumoharjo Ruko Gajah Kota. Madiun Jawa Timur 0351-493400 KCP
Kediri-Madiun Sub-Branch Mada No 4-5 Madiun City of Madiun East Java
Office
KCP Kediri-Ponorogo Jl. Soekarno Hatta No 224-226 Kab. Ponorogo Jawa Timur 0352-488400 KCP
Kediri-Ponorogo Sub- Ponorogo Regency of East Java
Branch Office Ponorogo
KCP Kediri-Nganjuk Jl. Gatot Subroto No 52 Kab. Nganjuk Jawa Timur 0358-331900 KCP
Kediri-Nanjuk Sub-Branch Nganjuk Regency of Nganjuk East Java
Office
KCP Kediri-Blitar Jl. Ahmad Yani, Kompleks Kab. Blitar Jawa Timur 0342-807867 KCP
Kediri-Blitar Sub-Branch Ruko Merdeka Timur Center Regency of Blitar East Java
Office (Mtc) Blok H, Kel.Kepanjenlor,
Kec.Kepanjen
KCP Mas Mansyur- Kel. Sukomulyo, Kec. Kab. Lamongan Jawa Timur 0322-321086 KCP
Lamongan Lamongan Regency of East Java
Mas Mansyur-Lamongan Lamongan
Sub-Branch Office
KCP Makassar-Palopo Jl. Jend. Sudirman No. 43 Kota Palopo Sulawesi Selatan 0471-326623 KCP
Makassar-Palopo Sub- Palopo Kab. Luwu, Kota City of Palopo South Sulawesi
Branch Office Palopo
KCP Makassar-Pare-Pare Jl. Sultan Hasanuddin Ruko Kota. Pare-Pare Sulawesi Selatan 0421-28061 KCP
Makassar-Pare Pare Sub- Sultan Hasanuddin Petak City of Pare Pare South Sulawesi
Branch Office No. 3
KCP Makassar-Bone Jl. Ahmad Yani No. 169 Kab. Kab. Bone Sulawesi Selatan 0481-27555 KCP
Makassar-Bone Sub- Bone Regency of Bone South Sulawesi
Branch Office
KCP Makassar-Maros Jl. Jend. Sudirman No.16 Kab. Maros Sulawesi Selatan 0411-373975 KCP
Makassar-Maros Sub- Maros, Sulsel Regency of Maros South Sulawesi
Branch Office
KCP Gorontalo-Limboto Jl. Jend. Sudirman Komp. Kab. Gorontalo Gorontalo 0435-882186 KCP
Gorontalo-Limboto Sub- Menara Limboto Regency of
Branch Office Gorontalo
KCP Gorontalo-Boalemo Jl. Husin Dj. Rahman Desa Kab. Bualemo Sulawesi Tengah 0443-211109 KCP
Gorontalo-Boalemo Sub- Limbato Kec. Tilamuta Regency of Central Sulawesi
Branch Office Bualemo
KCP Makassar-Pettarani Jl. Ap. Pettarani Ruko No. 10 D Kota Makassar Sulawesi Selatan 0411-432422 KCP
Makassar-Pettarani Sub- City of Makassar South Sulawesi
Branch Office
KCP Kendari-Kolaka Jl. Chairil Anwar No. 28 Kab. Kolaka Sulawesi Tenggara 0405-2323947 KCP
Kendari-Kolaka Sub- Regency of Kolaka South East Sulawesi
Branch Office
KCP Kendari-Bombana Jl. Yos Sudarso Kelurahan Kab. Bombana Sulawesi Tenggara 0816-248049 KCP
Kendari-Bombana Sub- Lantawonua Kecamatan Regency of South East Sulawesi
Branch Office Rumbia Bombana
KCP Kendari-Unaha Jl. Ponggawa No. 506 Konawe Kab. Konawe Sulawesi Tenggara 0408-2422444 KCP
Konawe Regency of Konawe South East Sulawesi
Kendari-Unaha Konawe
Sub-Branch Office
KCP Palu-Luwuk Jl. Urip Sumoharjo No. 30 C, Kota Palu Sulawesi Tengah 0461-21736 KCP
Palu-Luwuk Sub-Branch Luwuk City of Palu Central Sulawesi
Office
KCP Ternate-Labuha Jl. Oesman Syah Labuha- Kab. Halmahera Maluku Utara 0927-2321053 KCP
Bacan Bacan Selatan North Maluku
Ternate-Labuha Bacan Regency of South
Sub-Branch Office Halmahera
KCP Ternate-Tidore Jl. Nusantara Kelurahan Kota Ternate Maluku Utara 0921 3161734 KCP
Ternate-Tidore Sub- Indonesiana City of Ternate North Maluku
Branch Office
KCP Sorong-Aimas Jl. Klamono Km.19 Depan Kab. Sorong Papua Barat 0951-323593 KCP
Sorong-Aimas Sub-Branch Alun-Alun Aimas Kab. Sorong Regency of Sorong West Papua
Office
KCP Sorong-Monokwari Jl. Trikora Wosi, Depan Kab. Manokwari Papua Barat 0986-2702588 KCP
Sorong-Manokwari Sub- Transito Regency of West Papua
Branch Office Manokwari

Kota/
Kabupaten
City/Regency
KCP Jayapura-Timika Jl. Poros Cendrawasih Kel. Kota Jayapura Papua 0901-323999 KCP
Jayapura-Timika Sub- Kwamki, Distrik Mimika Baru City of Jayapura
Branch Office
KCP Jayapura-Merauke Jl. Raya Mandala Bampel Kab. Merauke Papua 0971-324413 KCP
Jayapura-Merauke Sub- Distrik Merauke Regency of
Branch Office Merauke
KCP Mamuju-Wonomulyo Jl. Jend. Sudirman No. 91, Kel. Kab. Polewali Sulawesi Barat 0428-52393 KCP
Mamuju-Wonomulyo Sub- Sidodadi, Kec. Wonomulyo Mandar West Sulawesi
Branch Office Regency of Polewali
Mandar
KCP Cirebon-Indramayu Jl. Jend. Sudirman No. 170, Kab. Indramayu Jawa Barat 0234-527881 KCP
Cirebon-Indramayu Sub- Kel. Karang Anyar, Kec. Regency of West Java
Branch Office Indramayu Indramayu
KCP Bandung-Ujung Ruko Tritan Point Blok B5-15 Kota Bandung Jawa Barat 022-7832132 KCP
Berung Jl. AH Nasution, Kel. Cipadung City of Bandung West
Bandung-Ujung Berung Wetan, Kec. Panyileukan Java
Sub-Branch Office
KCP Kalimalang-Bintara Jl. Bintara Raya Komplek Ruko Wil. Kota Jakarta DKI Jakarta 021-86906904 KCP
Kalimalang-Bintara Sub- Bintara Bisnis Center No. 8, Timur
Branch Office Bekasi Barat East Jakarta
KCP Semarang-Magelang Jl. Tentara Pelajar No. 54 Kota Magelang Jawa Tengah 0293-313358 KCP
Semarang-Magelang Sub- Ruko C, Kel. Cacaban, Kec. City of Magelang Central Java
Branch Office Magelang Tengah
KCP Kalimalang-Pondok Jl. Raya Pondok Gede No. 50B, Kota Bekasi Jawa Barat 021-84938042 KCP
Gede Kav. N0.9, Kel. Jatirahayu, Kec. City of Bekasi West Java
Kalimalang-Pondok Gede Melati, Bekasi
Sub-Branch Office
KCP Pekalongan-Pemalang Jl. Jend. Sudirman Timur Kab. Pemalang Jawa Tengah 0284-324767 KCP
Pekalongan-Pemalang No. 32 Regency of Central Java
Sub-Branch Office Pemalang
KCP Kendari-Bau Bau Jl. Betoambari No. 50A, Kota Bau-Bau Sulawesi Tenggara 0402-2822577 KCP
Kendari-Bau Bau Sub- Kel. Lanto, Kec. Batu Poaro City of Bau-Bau South East Sulawesi
Branch Office
KCP Bandar Lampung- Jl. Jend. Sudirman Lingkungan Kab. Lampung Lampung 0724-22402 KCP
Kota Bumi 6 RT001, RW006 Utara Regency of
Bandar Lampung-Kota North Lampung
Bumi Sub-Branch Office
KCP Sukaramai Jl. AR. Hakim No. 70A-70B Kota Medan Sumatera Utara 061-7367476 KCP
Sukaramai Sub-Branch Medan City of Medan North Sumatra
Office
KCP Surabaya-Mas Komplek Ruko Raden Arya Kab. Sumenep Jawa Timur 032-86763228 KCP
Mansyur-Sumenep Wiraraja Kav. Blok A, Jl. Regency of East Java
Surabaya-Mas Mansyur- Trunojoyo No. 214 Sumenep
Sumenep Sub-Branch
Office
KCP Solo-Klaten Jl. Pemuda Utara No.80, Kab. Klaten Jawa Timur 0272-323244 KCP
Solo-Klaten Sub-Branch RT03/01, Bareng, Klaten Regency of Klaten East Java
Office Tengah
KCP Roxy-Slipi Jl. KS Tubun No. 146, Wil. Kota Jakarta DKI Jakarta 021-22127289 KCP
Roxy-Slipi Sub-Branch Petambuaran, Tanah Abang, Pusat
Office Jakarta Pusat Central Jakarta
KCP Balikpapan-Tanah Jl. Jendral Sudirman No. 86, Kab. Penajam Paser Kalimantan Timur 0543-23434 KCP
Grogot RT05/03, Kel. Tanah Grogot, Utara East Kalimantan
Balikpapan-Tanah Grogot Kab. Paser, Kalimantan Timur Regency of North
Sub-Branch Office Penajam Paser
KCP Surabaya Darmo- Jl. Ir Soekarno No.392 Kel. Kota Surabaya Jawa Timur 031-8419030 KCP
Rungkut Kedung Baruk (Merr), Kec. City of Surabaya East Java
Surabaya Darmo-Rungkut Rungkut
Sub-Branch Office
KCP Mataram-Sumbawa Jl. Urip Sumoharjo No. 20 Kel. Kab. Sumbawa Nusa Tenggara 0371-2621200 KCP
Matara-Sumbawa Sub- Seketeng, Kec. Sumbawa Regency of Barat
Branch Office Sumbawa West Nusa
Tenggara
KCP Kediri-Tulungagung Ruko Panglima Sudirman Kab. Tulungagung Jawa Timur 0355-328500 KCP
Kediri-Tulungagung Sub- Blok C No.2 Jl. Hasanudin, Kel. Regency of East Java
Branch Office Kenayan, Kec Tulungagung Tulungagung
KCP Solo-Wonogiri Jl. Achmad Yani No. 119 B, Kel. Kab. Wonogiri Jawa Timur 0273-324021 KCP
Solo-Wonogiri Sub-Branch Giripurwo, Kec. Wonogiri Regency of East Java
Office Wonogiri

2021 Annual Report
Kota/
Kabupaten
City/Regency
KCP Makassar-Gowa Jl. Kh. Wahid Hasyim, Ruko Kab. Gowa Sulawesi Selatan 0411-8220375 KCP
Makassar-Gowa Sub- Balla Lompoa Plaza Blok B2, Regency of Gowa South Sulawesi
Branch Office Gowa
KCP Palu-Palu Barat Jl. Sis Aljufri Kompleks Ruko Kota Palu Sulawesi Tengah 0451-429444 KCP
Palu-Palu Barat Sub- Swalayat Al Khairat No. 48B, City of Palu Central Sulawesi
Branch Office Kel. Siranindi, Kec. Palu Barat
KCP Semarang-Pati Jl. Kol Sunandar, Ruko Puri Kab. Pati Jawa Tengah 0295-387796 KCP
Semarang-Pati Sub-Branch Plaza No.15A, Kel. Puri, Kec. Regency of Pati Central Java
Office Pati
KCP Medan Sudirman- Jl. Jendral Sudirman No. 202, Kota Binjai Sumatera Utara 061-8823434 KCP
Binjai Pekan Binjai, Binjai Kota City of Binjai North Sumatra
Medan Sudirman-Binjai
Sub-Branch Office
KCP Bandung-Rancaekek Jl. Raya Rancaekek No. 20, Kab. Bandung Jawa Barat 022-4214261 KCP
Bandung-Rancaekek Sub- RT01/02, Desa Bojongloa, Kec. Regency of West Java
Branch Office Rancaekek Bandung
KCP Samarinda-Tarakan Jl. Jendral Sudirman RT04, Kota. Tarakan Kalimantan Utara 0551-37001 KCP
Samarinda-Tarakan Sub- Kel. Pamusian, Kec. Tarakan City of Tarakan North Kalimantan
Branch Office Tengah
KCP Bandar Lampung- Jl. Letkol H. Endro Suratmin Kota. Bandar Lampung 0721-32019 KCP
Sukarame No. 178, Kelurahan Sukarame, Lampung
Bandar Lampung- Kecamatan Sukarame City of Bandar
Sukarame Sub-Branch Lampung
Office
KCP Banjarmasin-Barabai Jl. Brigjend H. Hasan Basri Kab. Hulu Sungai Kalimantan Selatan 0517-43681 KCP
Banjarmasin-Barabai Sub- Kemasan Luar, RT03/01, Kel. Tengah South Kalimantan
Branch Office Barabai Tengah, Kec. Barabai Regency of Hulu
Sungai Tengah
KCP Malang-Pasuruan Jl. Panglima Sudirman No. 40C Kab. Pasuruan Jawa Timur 0343-416260 KCP
Malang-Pasuruan Sub- Regency of East Java
Branch Office Pasuruan
KCP Bandung-Setiabudi Jl. Dr.Setiabudhi No. 192c, Kota Bandung Jawa Barat 022 2035859 KCP
Bandung-Setiabudi Sub- Rt.04/05, Kel. Hegarmanah, City of Bandung West Java
Branch Office Kec. Cidadap
KK Bandung-Istiqomah Jl. Citarum No. 1 Bandung Kota Bandung Jawa Barat 022-4234156 KK
Bandung-Istiqomah Cash City of Bandung West Java
Office
KK Cianjur-Ciamis Jl. Mr. Iwakusumasumantri Kab. Ciamis Jawa Barat 0265-777998 KK
Cianjur-Ciamis Cash Office Ruko No 9 Kabupaten Ciamis Regency of Ciamis West Java
KK Kalimalang-Kemang Komplek Ypi Al Azhar Kemang Kota Bekasi Jawa Barat 021-82400251 KK
Pratama Pratama Bojong Rawalumbu, City of Bekasi West Java
Kalimalang-Kemang Bekasi
Pratama Cash Office
KK Jababeka-Cikarang Ruko Sentra Cikarang Blok Kab. Bekasi Jawa Barat 021-89900638 KK
Jababeka-Cikarang Cash A No. A7 Desa Sukaresmi, Regency of Bekasi West Java
Office Cikarang Selatan Kab. Bekasi
KK Fatmawati-PB Jl. Raya Bogor Km 24 Wil. Kota Jakarta DKI Jakarta 021-8413728 KK
Sudirman Cijantung Jaktim Timur
Fatmawati-PB Sudirman East Jakarta
Cash Office
KK Jakarta-Buaran Jl. Raya Pondok Gede Kel. Wil. Kota Jakarta DKI Jakarta 021-8011233 KK
Klender-Asrama Haji Pinang Ranti Kec. Makasar Timur
Pondok Gede East Jakarta
Buaran Klender-Asrama
Haji Pondok Gede Jakarta
Cash Office
KK Fatmawati-Darunnajah Komp. Pesantren Darunnajah Wil. Kota Jakarta DKI Jakarta 021-7376085 KK
Fatmawati-Darunnajah Jl. Ululjami Raya Rt.001/004 Selatan
Cash Office No 86 , Pesanggrahan South Jakarta
KK Fatmawati-Kranggan Jl. Transyogi Cibubur Komp. Wil. Kota Jakarta DKI Jakarta 021-8444694 KK
Fatmawati-Kranggan Cash Ruko Kranggan Blok Xvi No.11 Timur
Office East Jakarta
KK Jakarta-Panglima Polim- Ypi Al Azhar Jl. Wil. Kota Jakarta DKI Jakarta 021-7253404 KK
Al Azhar Sisingamangaraja Selatan
Panglima Polim-Al Azhar South Jakarta
Jakarta Cash Office
KK BSD-Cikupa (Citra Raya) Ruko Citra Raya Blok H-1 Kota Tangerang Banten 021-44622426 KK
BSD-Cikupa (Citra Raya) No. 17 R, Desa Cikupa , Kec. City of Tangerang
Cash Office Cikupa

Kota/
Kabupaten
City/Regency
KK BSD-Al Azhar Jl. Puspitaloka III/2 BSD Kota Tangerang Banten 021-5381944 KK
BSD-Al Azhar Cash Office Serpong Tangerang Selatan City of Tangerang
KK Jakarta-Matraman- Gedung Sutikno Slamet, Jl. Dr. Wil. Kota Jakarta DKI Jakarta 021 42885956 KK
Gedung Sutikno Slamet Wahidin Raya No. 1 Pusat
Matraman-Sutikno Slamet Central Jakarta
Building Jakarta Cash
Office
KK Pekalongan- Jl. Raya Pekajangan No. 74 Kab. Pekalongan Jawa Tengah 0285-785787 KK
Pekajangan Pekalongan Regency of Central Java
Pekalongan-Pakajangan Pekalongan
Cash Office
KK Yogyakarta-Bantul RSU PKU Muhammadiyah Kab. Bantul D.I Yogyakarta 0274-368801 KK
Yogyakarta-Bantul Cash Bantul, Jl. Jend. Sudirman 124 Regency of Bantul
Office Bantul
KK Yogyakarta-Universitas Kampus Terpadu UII, Jl. Kab. Sleman D.I Yogyakarta 0274-898505 KK
Islam Indonesia Kaliurang Km 14,5 Regency of Sleman
Yogyakarta-Universitas
Islam Indonesia Cash
Office
KK Yogyakarta-Universitas Masjid Kampus Ugm, Jl. Kab. Sleman D.I Yogyakarta 0274-548777 KK
Gajah Mada Tevisia 1 Bulaksumur Regency of Sleman
Yogyakarta-Universitas
Gajah Mada Cash Office
KK Yogyakarta-Yogyakarta- Kampus Stmik Amikom, Kab. Sleman D.I Yogyakarta 0274-4477663 KK
Amikom Jl. Ring Road Utara, Regency of Sleman
Yogyakarta-Yogyakarta Condongcatur, Depok
Amikom Cash Office
KK Semarang-Masjid Jl. Pandanaran No. 126 Kota Semarang Jawa Tengah 024-8445285 KK
Baiturrahman City of Semarang Central Java
Semarang-Masjid
Baiturrahman Cash Office
KK Surabaya-Sidoarjo Jl. KH Mukmin No.11 B6 Kab. Sidoarjo Jawa Timur 031-8958570 KK
Surabaya-Sidoarjo Cash Sidoarjo Regency of Sidoarjo East Java
Office
KK Mataram-Masbagik Komplek Masjid Jami Al-Akbar Kota Mataram Nusa Tenggara 0376-631898 KK
Mataram-Masbagik Cash Masbagik City of Mataram Barat
Office West Nusa
Tenggara
KK Jember-Bondowoso Jl. Ahmad Yani No. 82 Kab. Bondowoso Jawa Timur 0332-431450 KK
Jember-Bondowoso Cash Bondowoso Regency of East Java
Office Bondowoso
KK Surabaya-Mas Jl. Raya Ngelom No. 83, Taman Kab. Sidoarjo Jawa Timur 031-7880311 KK
Mansyur-Sepanjang Sidoarjo Regency of Sidoarjo East Java
Mas Mansyur-Sepanjang
Surabaya Cash Office
KK Makassar-Athirah Jl. Kajaolalido No. 22, Kota Makassar Sulawesi Selatan 0411-322929 KK
Makassar-Athirah Cash Makassar City of Makassar South Sulawesi
Office
KK Makassar-Pengayoman Jl. Pengayoman Komp. Kota Makassar Sulawesi Selatan 0411-433755 KK
Makassar-Pengayoman Mirah F8 Kel. Tello Baru Kec. City of Makassar South Sulawesi
Cash Office Panakukang
KK Makassar-Daya Jl. Perintis Kemerdekaan Kota Makassar Sulawesi Selatan 0411-4772200 KK
Makassar-Daya Cash Km 12 Daya, Komp. Bukit City of Makassar South Sulawesi
Office Katulistiwa Ruko Blok A No. 7
KK Kalimalang-Grand Jl. Celebration Boulevard Ruko Kota Bekasi Jawa Barat 021-80871489 KK
Wisata Grand Wisata Blok Aa 12 No.7, City of Bekasi West Java
Kalimalang-Grand Wisata Tambun
Cash Office
KK Bandung-Kopo Jl. Kopo Sayati No. 98A-2, Kota Bandung Jawa Barat 022-5430297 KK
Bandung-Kopo Cash Office Blok Bihbul, Desa Sayati, Kec. City of Bandung West Java
Margahayu
KK Palembang-UIN Raden JL. Prof. KH. Zainal Abidin Fikri, Kota Palembang Sumatera Selatan 0711-355844 KK
Fatah Kel. Pahlawan, Komplek Univ. City of Palembang South Sumatra
Palembang-UIN Raden Islam Negeri (UIN) Raden
Fatah Cash Office Patah
Keterangan | Remarks:
KCU : Kantor Cabang Utama | Main Branch Office
KCP : Kantor Cabang Pembantu | Sub-branch Office
KK : Kantar Kas | Cash Office

2021 Annual Report
Peta Jaringan Bisnis dan Wilayah Operasi

Map of Business Network and Operating Areas
Kuala Lumpur
Nanggroe Aceh
Darussalam
East Kalimantan
North Sumatra
West Kalimantan
Riau Island
West Sumatra
Riau
South Sumatra
Central
Bengkulu Kalimantan
DKI Jakarta South
Kalimantan
Central
Java East
Java
Lampung
Banten
West Java
DI Yogyakarta
Bali

Gorontalo
North Sulawesi
North Maluku
West Papua
Central Sulawesi
South East
Sulawesi Maluku
Papua
South Sulawesi
East Nusa Tenggara
West Nusa Tenggara

2021 Annual Report
Struktur Organisasi
Organization Structure
General Meeting of
Shareholders

Board of Commissioners PRESIDENT
DIRECTOR
Sholahudin Al-Aiyub Achmad K. Permana
Chairman
Member :
• Siti Haniatunnisa
• Agung Danarto*)
Compliance, Risk & Finance Chief Human Operation

Legal Director Director Capital Officer Director
Andri Donny Hery Syafril Riksa Prakoso Awaldi
Head of
Head of Head of Head of Head of Operation
HC Strategy
Internal Audit Compliance Accounting & Tax Strategy & Control
& Services
Riva Yan Abdillah Dyah Ekowati Muhammad Ilham M. Ade Kurniawan Setiawan Sabri
Head of Corporate Head of People

Head of Head of Business Head of
Affairs/Corporate Development
Corporate Legal Finance & Planning Operation Services
Secretary & Culture
Direct supervision is taken care by
Hayunaji Compliance, Risk & Legal Director Demmy Rizkiadhy Anton Hendrianto Wita Hanayori
Head of
Head of Integrated Head of Head of
HCBP & Industrial
Risk Management Financial Control Financing Operations
Relations
Catur Andayani Aznovri Kurniawan Vino Y. Lamantu Vinny Rika Anwar
Baitulmaal Head of Head of

Muamalat HCBP & Talent Information
Acquisition Technology
Novi Wardi
Head of BMM Esti Budiarti Marjuki
Muamalat Head of
Institute Corporate Real Estate
& Procurement
Anton Hendrianto
Executive Director Nanang Basuki

*)
**)
Not yet effective served as a Commissioner and his dismissal as a member of the Board of
Commissioners was ratified through the EGMS on February 28, 2022.

Ilham A. Habibie
President Commissioner
Member:
• Iggi Haruman Achsien
• Edy Setiadi
• Mohamed Hedi Mejai**)
• Abdulsalam Mohammad Joher Al-Saleh**)
Financing Chief Wholesale Retail Banking

Director Banking Officer Director
Avianto Irvan Yulian Noor Purnomo B. Soetadi
Head of Head of Retail Liabilities,

Head of Head of Islamic
Wholesale Financing Wealth Management &
Global Market Business & SME
Risk Digital Banking
Moh. Madina Hendrik Agus Andipratama
Aruddy Wang Wardhana
Soe’oed Amir
Head of Head of Head of Consumer Head of Distribution &

Retail Financing Risk Client Relationships Financing Business Network Management
Direct supervision is taken care the concurrent position held by Astri Piesca Rini
by the Financing Risk Director Head of Global Market Agung Prambudi
Head of Head of Marketing

Head of Special Asset Region Head
WB Business & Customer Region
Region Head
Management
Development Management RegionHead
Head
the concurrent position held Supriati Nugroho

Teguh Nugroho by Head of WB Business
Development Pernamawati
Head Retail
DPLK Muamalat Al-Ijarah Indonesia
Collection
Finance (ALIF)
Management
Sulistyowati
Dicky Zakiudin Pelaksana Tugas DPLK Afrid Wibisono
Alternate of DPLK President Director
Takaful Insurance
Struktur organisasi BMI ditetapkan berdasarkan Surat Keputusan No. 028/B/

DIR-KPTS/IX/2021 tentang Struktur Organisasi PT Bank Muamalat Indonesia Tbk
tanggal 28 September 2021.
BMI’s organizational structure is determined based on Decree No. 028/B/DIR-

KPTS/IX/2021 on the Organizational Structure of PT Bank Muamalat Indonesia
Tbk dated September 28, 2021.

2021 Annual Report
Komite Level Komisaris

Board of Commissioners Level Committees
Nomination & Good Corporate Governance

Audit Committee Risk Oversight Committee
Remuneration Committee Committee
Iggi H. Achsien Edy Setiadi Ilham A. Habibie Edy Setiadi

(Independent Commissioner) (Independent Commissioner) (Independent Commissioner) (Independent Commissioner)
Chairman Chairman Chairman Chairman
Member : Member : Member : Member :

• Dwi Sasongko • Ilham A. Habibie • Iggi H. Achsien • Mohamed Hedi Mejai
(Independent Party) (Independent Commissioner) (Independent Commissioner) (Commissioner)*)
• Tindomora Siregar • Evi Afiatin (Independent • Edy Setiadi (Independent • Dece Kurniadi (Independent
(Independent Party) Party) Commissioner) Party)
• Dedi Sopyan (Independent • Mohamed Hedi Mejai
Party) (Commissioner)*)
• Riksa Prakoso (Chief HC
Officer)
*) Not yet effective served as a Commissioner and his dismissal as a member of the
Board of Commissioners was ratified through the EGMS on February 28, 2022.

Komite Level Direksi

Board of Directors Level Committees
Board of Directors
Asset & Liability Risk Management

IT Steering Committee Human Capital Committee
Committee (ALCO) Committee
Achmad K Permana Achmad K Permana Achmad K Permana Achmad K Permana

(President Director) (President Director) (President Director) (President Director)
Chairman Advisor and Supervisor Chairman/Permanent Chairman and Member
Member with Voting Right
Hery Syafril Awaldi M. Ade Kurniawan
(Finance Director) (Operation Director) Andri Donny (Head of HC Strategy & Services)
Vice Chairman Chairman (Compliance, Risk & Legal Secretary and Member
Director)
Citra Kurniawati Andri Donny Vice Chairman/ Member :
• Andri Donny (Compliance, Risk &
(Head of Treasury) (Compliance, Risk & Legal Permanent Member with Legal Director)
Secretary Director) Voting Right • Hery Syafril (Finance Director)
Vice Chairman I • Irvan Yulian Noor (Chief Wholesale
Permanent Members with Permanent Members with Voting Banking Officer)
Voting Rights: Rights: • Awaldi (Operation Director)
• Irvan Yulian Noor (Chief Hery Syafril • Avianto (Financing Director) • Purnomo B. Soetadi (Retail Banking
Wholesale Banking Officer) (Finance Director) • Hery Syafril (Finance Director) Director)
• Purnomo B. Soetadi (Retail Vice Chairman II • Irvan Yulian Noor (Chief Wholesale • Riksa Prakoso (Chief Human Capital
Banking Director) Banking Officer) Officer)
• Andri Donny (Compliance, Risk • Purnomo B. Soetadi (Retail • Avianto (Financing Director)
& Legal Director) Purnomo B. Soetadi Banking Director)
• Awaldi (Operation Director) (Retail Banking Director) • Awaldi (Operation Director)
• Riksa Prakoso (Chief Human Vice Chairman III • Riksa Prakoso (Chief Human
Capital Officer) Capital Officer)
• Avianto (Financing Director)
Irvan Yulian Noor Permanent Members with No
Permanent Members with No (Chief Wholesale Banking Voting Rights:
Voting Rights: Officer) • Catur Andayani (Head of
• Moh. Madina Hendrik Soe’oed Integrated Risk Management)
(Head of Global Marker) Vice Chairman IV
• Astri Piesca Rini (Head of Non-Permanent Members with No
Consumer Financing Business) Avianto Voting Rights:
• Teguh Nugroho (Head of • Riva Yan Abdillah (Head of Internal
Special Asset Management)
(Financing Director) Audit)
• Agung Prambudi (Head Vice Chairman V • Dyah Ekowati (Head of
of Distribution & Network Compliance)
Management) Marjuki
• Catur Andayani (Head of
Integrated Risk Management) (Head of Information
• Demmy Rizkiadhy (Head of Technology)
Business Finance & Planning) Secretary
• Citra Kurniawati (Head of
Treasury)
Member:
Non-Permanent Members with All Relevant Division Head
No Voting Rights:
• Head of Business Units related
to discussion material in ALCO
Meeting
• Region Head or Branch
Manager related to discussion
material in ALCO Meeting

2021 Annual Report
Profil Dewan Pengawas Syariah

Profile of the Sharia Supervisory Board
Drs. H. Sholahudin Al Aiyub, M.Si

Chairman of the Sharia Supervisory Board
Warga Negara Indonesia Indonesia

Citizen
Domisili Jakarta Jakarta
Domicile
Usia 47 tahun pada akhir Tahun Buku 2021 47 as of the end of the 2021 Financial Year
Age
Dasar Hukum Rapat Umum Pemegang Saham Tahunan Annual General Meeting of Shareholders on
Pengangkatan tanggal 29 Juni 2016 dan telah mendapat June 29, 2016 and received approval from FSA
Pertama persetujuan dari OJK pada tanggal 2 Februari on February 2, 2017
Legal Basis for First 2017
Appointment
Dasar Hukum Rapat Umum Pemegang Saham Luar Biasa The Extraordinary General Meeting of
Pengangkatan Terakhir tanggal 16 Desember 2019 Shareholders on December 16, 2019
Legal Basis for the Last
Appointment
Periode Jabatan Kedua Second
Term of Office
Riwayat Pendidikan • Magister Ekonomi dan Keuangan Syariah dari • Master of Sharia Economics and Finance from
Education Background Universitas Indonesia (2007) the University of Indonesia (2007)
Rangkap Jabatan • Anggota Dewan Pengawas Syariah Indo Mobil • Member of the Sharia Supervisory Board of
Dual Position Finance Indonesia Syariah Indo Mobil Finance Indonesia Syariah
• Ketua Dewan Pengawas Syariah PT Reasuransi • Chairman of the Sharia Supervisory Board
Syariah Indonesia (ReINDO Syariah) of PT Reasuransi Syariah Indonesia (ReINDO
Syariah)
• Anggota Dewan Pengawas Syariah Bank • Member of the Sharia Supervisory Board of
Aladin Syariah Bank Aladin Syariah
• Anggota Dewan Penasehat Syariah BP TAPERA • Member of the Sharia Advisor Board of BP
TAPERA
Kepemilikan Saham Tidak memiliki saham perusahaan Has no entitled corporate share
Share Ownership

Pengalaman Kerja • Wakil Ketua Badan Pengurus Harian DSN-MUI • Deputy Chairman of Daily Management Board
Working Experience (2020-2025) of the DSN-MUI (2020-2025)
• Ketua MUI bidang Ekonomi Syariah • Chairman of the Sharia Economics Division of
(2020-2025) MUI (2020-2025)
• Ketua Dewan Pengawas Syariah PT Bank • Chairman of the Sharia Supervisory Board
Muamalat Indonesia Tbk (2019-sekarang) of PT Bank Muamalat Indonesia Tbk
(2019-present)
• Anggota Dewan Pengawas Syariah PT Bank • Member of the Sharia Supervisory Board of
Muamalat Indonesia Tbk (2017-2019) PT Bank Muamalat Indonesia Tbk (2017-2019)
• Wakil Sekretaris Jenderal Bidang Fatwa dan • Deputy Secretary General for Fatwa and
Bidang Pengkajian Majelis Ulama Indonesia Studies of the Indonesian Ulema Council (MUI)
(MUI) (2015-2020) (2015-2020)
• Wakil Sekretaris Badan Pelaksana Harian • Deputy Secretary of the National Sharia
Dewan Syariah Nasional (DSN) (2015-2020) Council (DSN) Daily Executive Board
(2015-2020)
• Ketua Dewan Pengawas Syariah Suzuki • Chairman of the Sharia Supervisory Board of
Finance Indonesia Syariah (2013-2017) Suzuki Finance Indonesia Syariah (2013-2017)
• Katib Syuriah Bidang Bahtsul Masail PBNU • Katib Syuriah of PBNU Bahtsul Masail Division
(2010- 2020) (2010-2020)
Pendidikan dan Disampaikan dalam pembahasan terpisah. Presented in a separate discussion.
Pelatihan 2021
Education and Training
2021
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dalam hal Has no affiliation, either in terms of financial
Affiliate Relations hubungan keuangan maupun kekeluargaan or family relationship, with members of the
dengan anggota Dewan Pengawas Syariah, Sharia Supervisory Board, members of the
anggota Direksi dan Pemegang Saham Utama Board of Commissioners, members of the
maupun Pemegang Saham Pengendali baik Board of Directors and Major Shareholders
langsung maupun tidak langsung or Controlling Shareholders, both directly and
indirectly

2021 Annual Report
Hj. Siti Haniatunnisa, LLB., MH

Anggota Dewan Pengawas Syariah
Member of the Sharia Supervisory Board

Citizen
Domicile
Age
Pengangkatan tanggal 16 Desember 2019 dan telah mendapat Shareholders was held on December 16, 2019
Pertama persetujuan dari OJK pada tanggal 22 Januari and received approval from FSA on January 22,
Legal Basis for First 2021 2021
Appointment
Pengangkatan Terakhir tanggal 16 Desember 2019 Shareholders on December 16, 2019
Appointment
Periode Jabatan Pertama First
Term of Office
Riwayat Pendidikan • Magister Ilmu Hukum dari Universitas • Master of Law Science from the University of
Education Background Indonesia (2015) Indonesia (2015)
• Sarjana dari Ahmad Ibrahim Kulliyah of Laws • Bachelor from the Ahmad Ibrahim Kulliyah of
International Islamic University Malaysia Laws International Islamic University Malaysia
(2010) (2010)
Rangkap Jabatan • Anggota Dewan Pengawas Syariah • Member of the Sharia Supervisory Board of
Dual Position PT BNI Life Insurance PT BNI Life Insurance
• Anggota Dewan Pengawas Syariah • Member of the Sharia Supervisory Board of
PT Asuransi Jasindo Syariah PT Asuransi Jasindo Syariah
PT Asuransi BRI Life PT Asuransi BRI Life
DPLK Syariah Muamalat DPLK Syariah Muamalat
Share Ownership

Pengalaman Kerja • Anggota Dewan Pengawas Syariah PT Bank • Member of the Sharia Supervisory Board of PT
Working Experience Muamalat Indonesia Tbk (2019-sekarang) Bank Muamalat Indonesia Tbk (2019-present)
• Anggota DPS BNI Life Insurance • Member of DPS BNI Life Insurance
(2020-sekarang) (2020-present)
• Anggota DPS Dana Pensiun Lembaga • Member of the Syariah Muamalat
Keuangan (DPLK) Syariah Muamalat Financial Institution Pension Fund (DPLK)
• Anggota DPS PT BRIlife (2016-sekarang) • Member of DPS PT BRIlife (2016-present)
• Ketua DPS PT Asuransi Jasindo Syariah • Chairman of DPS PT Asuransi Jasindo Syariah
• Dosen dan Ketua Sekolah Tinggi Ilmu Fiqih • Lecturer and Chair of the School of Fiqh (STIF)
(STIF) Syeikh Nawawi Tanara (SYENTRA), Syeikh Nawawi Tanara (SYENTRA), Serang,
Serang, Banten (2016-sekarang) Banten (2016-present)
• Anggota DPS PT Asuransi Jiwa Syariah • Member of DPS PT Asuransi Jiwa Syariah
Bumiputera (AJSB) (2016-2020) Bumiputera (AJSB) (2016-2020)
Pelatihan 2021
2021
indirectly

2021 Annual Report
Agung Danarto*)
Anggota Dewan Pengawas Syariah
Member of the Sharia Supervisory Board

Citizen
Domicile
Age
Dasar Hukum Rapat Umum Pemegang Saham Luar Biasa Extraordinary General Meeting of Shareholders
Pengangkatan tanggal 30 Agustus 2021 dan saat ini masih on 30 August 2021 and currently still waiting for
Pertama menunggu keputusan efektif dari OJK an effective decision from FSA
Legal Basis for First
Appointment
Pengangkatan Terakhir tanggal 30 Agustus 2021 Shareholders on August 30, 2021
Appointment
Term of Office
Riwayat Pendidikan • Doktor jurusan Studi Islam dari IAIN Sunan • Doctorate in Islamic Studies from IAIN Sunan
Education Background Kalijaga Yogyakarta (2006) Kalijaga Yogyakarta (2006)
• Magister Agama jurusan Studi Islam dari IAIN • Master’s Degree in Religion majoring in
Alauddin Makassar (1996) Islamic Studies from IAIN Alauddin Makassar
(1996)
• Sarjana Tafsir Hadis dari IAIN Sunan Kalijaga • Bachelor’s Degree of Hadith Tafsir from IAIN
Yogyakarta (1993) Sunan Kalijaga Yogyakarta (1993)
Rangkap Jabatan Tidak memiliki rangkap jabatan He has no dual position
Dual Position
Share Ownership

Pengalaman Kerja • Anggota Dewan Pengawas Syariah PT Bank • Member of the Sharia Supervisory Board
Working Experience Muamalat Indonesia Tbk (2021-sekarang) of PT Bank Muamalat Indonesia Tbk
(2021-present)
• Sekretaris Pimpinan Pusat Muhammadiyah • Secretary of Muhammadiyah Central
(2015-sekarang) Executive (2015-present)
• Sekretaris Umum Pimpinan Pusat • General Secretary of Muhammadiyah Central
Muhammadiyah (2010-2015) Executive (2010-2015)
• Dosen di UIN Sunan Kalijaga Yogyakarta • Lecturer at UIN Sunan Kalijaga Yogyakarta
Pelatihan 2021
2021
indirectly
*)

2021 Annual Report
Profil Dewan Komisaris

Profile of the Board of Commissioners
Ilham Akbar
Habibie
Komisaris Utama/
Komisaris Independen
Edy Setiadi President
Komisaris Independen Commissioner/
Independent Independent
Commissioner Commissioner
Sulistyo Budi*)
Komisaris merangkap
Wakil Komisaris Utama
Commissioner and
Vice Chairman of
the Board of Commissioner
*)

Iggi Haruman Achsien

Independent Commissioner
Andre Mirza
Hartawan*) Juni Supriyanto*)
Komisaris Komisaris
Commissioner Commissioner

2021 Annual Report
Ilham A. Habibie

Citizen
Domicile
Age
Pengangkatan Tanggal 28 Juni 2018 dan mendapatkan June 28, 2018 and obtained effective decision
Pertama keputusan efektif dari OJK pada 26 Maret 2019 from FSA on March 26, 2019
Appointment
Pengangkatan Terakhir Tanggal 17 Mei 2019 dan Surat Keputusan May 17, 2019 and Decree of the Ministry of Law
Legal Basis for the Last Kemenkumham No. AHU-AH.01.03-0283340 and Human Rights No. AHU-AH.01.03-0283340
Appointment Tanggal 28 Mei 2019 Dated May 28, 2019
Term of Office
Riwayat Pendidikan • Lulus sebagai MBA Sekolah Pascasarjana • Graduated as MBA, Graduate School of
Education Background Bisnis, Universitas Chicago (2003) Business, University of Chicago (2003)
• Program MBA Eksekutif, Sekolah Pascasarjana • Executive MBA Program, Graduate School of
Bisnis, Universitas Chicago, Kampus Singapura Business, University of Chicago, Singapore
(2003) Campus (2003)
• Program Eksekutif Internasional, INSEAD, • International Executive Program, INSEAD,
Fontainbleau, Prancis, dan Singapura (1999) Fontainbleau, France, and Singapore (1999)
• Dianugerahi Gelar Dr.-Ing. dalam Aeronautical • Awarded Dr.-Ing. Degree in Aeronautical
Engineering dengan predikat Summa Cum Engineering with Summa Cum Laude
Laude dari Technische Universität München predicate from the Technische Universität
(1994) München (1994)
• Dianugerahi Gelar Dipl.-Ing. Teknik • Awarded Dipl.-Ing. Degree in Aeronautical
Aeronautika dengan predikat Cum Laude dari Engineering with Cum Laude predicate
Technische Universität München Doktorarbeit from the Technische Universität München
(PhD. Skripsi) “Finite Volume Numerical Doktorarbeit (PhD. Thesis) “Finite Volume
Simulation of Longitudinally Oscillating Airfoils
Numerical Simulation of Longitudinally
Using Euler Equations” (1987) Oscillating Airfoils Using Euler Equations”
• Technische Universität München, (1987)
Diplomarbeit (Master Thesis) “Design of 100 • Technische Universität München,
Seater Regional Jet” (1987) Diplomarbeit (Master Thesis) “Design of 100
• Gimnasium Hochrad, Hamburg, Jerman (1981) Seater Regional Jet” (1987)
• Grundschule Windmühlenweg, Hamburg, • Gimnasium Hochrad, Hamburg, Jerman (1981)
Jerman (1973) • Grundschule Windmühlenweg, Hamburg,
Jerman (1973)
Rangkap Jabatan • Ketua Komite Nominasi dan Remunerasi • Chairman of the Nomination and
Dual Position Remuneration Committee
• Anggota Komite Pemantau Risiko • Member of the Risk Monitoring Committee
• Ketua Komite Tata Kelola Perusahaan • Chairman of the Integrated Corporate
Terintegrasi Governance Committee
• Komisaris Utama (Independen) PT Visi Media • President Commissioner (Independent
Asia Tbk Commissioner) of PT Visi Media Asia Tbk
• Pendiri dan Ketua PT Orbit Ventura Indonesia • Founder and Chairman of PT Orbit Ventura
Indonesia
Share Ownership

Pengalaman Kerja • Komisaris Utama/Independen PT Visi Media • President Commissioner/ Independent

Working Experience Asia Tbk (2021-sekarang) Commissioner of PT Visi Media Asia Tbk
(2021-present)
• Komisaris Utama PT Ilthabi Rekatama • President Commissioner of PT Ilthabi
(2021-Maret 2022) Rekatama (2021-March 2022)
• Komisaris Utama/Komisaris Independen • President Commissioner/ Independent
PT Bank Muamalat Indonesia Tbk Commissioner of PT Bank Muamalat
(2018-sekarang) Indonesia Tbk (2018-present)
• Pendiri dan Ketua PT Orbit Ventura Indonesia • Founder and Chairman of PT Orbit Ventura
(2015-sekarang) Indonesia (2015-present)
• Ketua PT Industri Mineral Indonesia • Chairman of PT Industri Mneral Indonesia
(2012- 2019) (2012-2019)
• Komisaris PT Malacca Trust Wuwungan • Commissioner of PT Malacca Trust Wuwungan
Insurance (2011-2019) Insurance (2011-2019)
• Ketua PT Ilthabi Digital Edukasi (2011-2019) • Chairman of PT Ilthabi Digital Edukasi
(2011-2019)
• Direktur Utama PT Ilthabi Mandiri Tekhnik • President Director of PT Ilthabi Mandiri
(2007-2019) Tekhnik (2007-2019)
• Komisaris PT Ithihabi Sentra Herbal • Commissioner of PT Ilthabi Sentra Herbal
(2005-2009) (2005-2009)
• Ketua Mitra Energia Ltd. (2004-2019) • Chairman of Mitra Energia Ltd (2004-2019)
• Ketua PT Metinca Prima Industrial Work, • Chairman of PR Metinca Prima Industrial
Precision Casting & Tooling Facility Work, Precision Casting & Tooling Facility
(2000-2019) (2000-2019)
• Komisaris PT Citra Tubindo Tbk (2004-2016) • Commissioner of PT Citra Tubindo Tbk
(2004-2016)
• Ketua PT Ilthabi Energia (2009-2015) • Ketua PT Ilthabi Energia (2009-2015)
• PT DHL Excel Supply Chain Indonesia (2013- • PT DHL Excel Supply Chain Indonesia (2013-
2014) 2014)
• Komisaris Sound Oil plc (2006-2012) • Commissioner of Sound Oil plc (2006-2012)
• Ketua PT Sarana Pembangunan Jawa Tengah • Chairman of PT Sarana Pembangunan Jawa
(2006-2010) Tengah (2006-2010)
• CEO PT Industri Mineral Indonesia (2005-2012) • CEO of PT Industrial Mineral Indonesia
(2005-2012)
• CEO PT Ilthabi Bara Utama (2005-2011) • CEO of PT Ilthabi Bara Utama (2005-2011)
• Ketua PT Industri Mineral Indonesia • Chairman of PT Industri Mineral Indonesia
(2003-2004) (2003-2004)
• Komisaris PT Asuransi Wuwungan (2002-2011) • Commissioner of PT Asuransi Wuwungan
(2002-2011)
Pelatihan 2021
2021
anggota Dewan Komisaris, anggota Direksi dan Board of Commissioners, members of the
Pemegang Saham Utama maupun Pemegang Board of Directors and Major Shareholders
Saham Pengendali baik langsung maupun tidak or Controlling Shareholders, both directly and
langsung indirectly
Pernyataan Belum menjabat lebih dari 2 (dua) periode Has not served as an Independent
Independensi sebagai Komisaris Independen Commissioner for more than 2 (two) terms
Statement of
Independence

2021 Annual Report
Sulistyo Budi*)
Komisaris/Wakil Komisaris Utama
Commissioner/Vice President Commissioner

Citizen
Domicile
Age
Pengangkatan tanggal 28 Februari 2022 dan saat ini sedang of PT Bank Muamalat Indonesia Tbk on
Pertama dalam proses akhir Penilaian Kemampuan dan February 28, 2022 and effective after passing
Legal Basis for First Kepatutan dari OJK the Ability and Compliance Test from FSA
Appointment
Pengangkatan Terakhir tanggal 28 Februari 2022 dan saat ini masih of PT Bank Muamalat Indonesia Tbk on
Legal Basis for the Last dalam proses pengajuan Penilaian Kemampuan February 28, 2022 and currently he is waiting
Appointment dan Kepatutan ke OJK (Otoritas Jasa Keuangan) for a submission for fit and proper test from
Financial Service Authority (FSA)
Term of Office
Riwayat Pendidikan • Master of Information Technology dari • Master of Information Technology from
Education Background Universitas Indonesia dan lulus pada tahun Universitas Indonesia in 1999
1999
• Sarjana dibidang Teknik Elektro dari Institut • Bachelor of Electrical Engineering from the
Teknologi Bandung pada tahun 1990 Bandung Institute of Technology in 1990
Rangkap Jabatan Deputi Bidang Penghimpunan, Penempatan Deputy for Collection, Placement, and Direct
Dual Position dan Investasi Langsung & Lainnya di Badan Investment & Others at the Hajj Financial
Pengelola Keuangan Haji sejak tahun 2018 Management since 2018 until now.
hingga sekarang.
Share Ownership

Pengalaman Kerja • Komisaris/Wakil Komisaris Utama PT Bank • Commissioner/Vice President Commissioner

Working Experience Muamalat Indonesia Tbk (2022-sekarang) of PT Bank Muamalat Indonesia Tbk
(2022-present)
• Deputi Bidang Penghimpunan, Penempatan • Deputy for Collection, Placement, and Direct
dan Investasi Langsung & Lainnya di Badan Investment & Others at the Hajj Financial
Pengelola Keuangan Haji sejak tahun 2018 Management since 2018 until now
hingga sekarang.
• Direktur Teknologi Informasi dan Manajemen • Director of Information Technology and Risk
Risiko di PT Bursa Efek Indonesia sejak tahun Management at the Indonesia Stock Exchange
2015 hingga 2018. from 2015 to 2018
• Direktur yang membawahi Jasa Kustodian • Director in charge of Central Depository
Sentral dan Teknologi Informasi di PT Services and Information Technology at
Kustodian Sentral Efek Indonesia, dari tahun Indonesia Central Securities Depository, from
2010 hingga tahun 2015 2010 to 2015
• Komisaris di PT Penilai Harga Efek Indonesia, • Commissioner at Indone-sia Bond Pricing
dari tahun 2008 hingga tahun 2010. Agency, from 2008 to 2010
Pelatihan 2021
2021
Hubungan Afiliasi Memiliki hubungan afiliasi dengan Pemegang Has affiliation with the Major and Controlling
Affiliate Relations Saham Utama dan Pengendali Shareholders
Pernyataan Belum menjabat lebih dari 2 (dua) periode Has not served as a Commissioner for more
Independensi sebagai Komisaris than 2 (two) terms
Statement of
Independence
*)
Belum memperoleh penetapan lulus Penilaian Kemampuan dan Kepatutan dari OJK

Not yet obtaining Fit and Proper Assessment from FSA

2021 Annual Report
Iggi Haruman Achsien


Citizen
Domicile
Age
Dasar Hukum Rapat Umum Pemegang Saham Tahunan Annual General Meeting of Shareholders dated
Pengangkatan tanggal 23 Juni 2014 dan mendapatkan June 23, 2014 and received an effective decision
Pertama keputusan efektif dari OJK tanggal 25 from FSA on November 25, 2014
Legal Basis for First November 2014
Appointment
Term of Office
Riwayat Pendidikan • Global Leadership Executive MBA di SBM ITB • Global Leadership Executive MBA at SBM ITB
Education Background dan Aalto University, Finlandia (2013) and Aalto University, Finland (2013)
• Sarjana Ekonomi dari Universitas Indonesia • Bachelor of Economics from the University
Jurusan Manajemen Konsentrasi Keuangan of Indonesia, majoring in Management,
sebagai lulusan terbaik dengan predikat Cum Concentration of Finance as the best graduate
Laude (2000) with Cum Laude predicate (2000)
Rangkap Jabatan • Ketua Komite Audit • Chairman of the Audit Committee
Dual Position • Anggota Komite Nominasi dan Remunerasi • Member of the Nomination and
Remuneration Committee
• Komisaris Independen PT Pertamina • Independent Commissioner of PT Pertamina
(Persero) (Persero)
Share Ownership

Pengalaman Kerja • Komisaris Independen PT Pertamina (Persero) • Independent Commissioner of PT Pertamina

Working Experience (2021-sekarang) (Persero) (2021-present)
• Komisaris Independen PT Bank Muamalat • Independent Commissioner of PT Bank
Indonesia Tbk (2014-sekarang) Muamalat Indonesia Tbk (2014-present)
• Komisaris Independen PT Jamkrida Jabar • Independent Commissioner of PT Jamkrida
(2013-2014) Jabar (2013-2014)
• Tenaga Ahli PT Bank Syariah Mandiri • Expert Staff at PT Bank Syariah Mandiri
(2011-2014) (2011-2014)
• Komisaris Independen AJB Bumiputera 1912 • Independent Commisisoner of AJB
(2012) Bumiputera 1912 (2012)
• Komisaris PT Insight Investment Management • Commissioner of PT Insight Investment
(2010-2011) Management (2010-2011)
• Direktur Utama PT Insight Investment • President Director of PT Insight Investment
Management (2007-2010) Management (2007-2010)
• Staf Ahli Bank Syariah Mandiri (2005-2007) • Expert Staff at Bank Syariah Mandiri
(2005-2007)
• Analyst Investment Banking AAA Securities • Investment Banking analyst at AAA Securities
(2000-2005) (2000-2005)
Pelatihan 2021
2021
langsung indirectly
Statement of
Independence

2021 Annual Report
Edy Setiadi

Citizen
Domicile
Age
Pengangkatan tanggal 20 September 2017 dan mendapatkan Shareholders on September 20, 2017 and
Pertama keputusan efektif dari OJK tanggal 2 Maret 2018 received an effective decision from the FSA on
Legal Basis for First March 2, 2018
Appointment
Term of Office
Riwayat Pendidikan • Master of Agriculture Economics dari The • Master of Agriculture Economics from Ohio
Education Background Ohio State University (1991) State University (1991)
• Sarjana Fakultas Peternakan Universitas • Bachelor of Animal Husbandry Faculty,
Padjadjaran, Bandung (1981) Padjadjaran University, Bandung (1981)
Rangkap Jabatan • Direktur Lembaga Pengembangan Perbankan • Director of the Islamic Banking Development
Dual Position Syariah (2020 - sekarang) Institute (2020 - present)
• Wakil Sekretaris Dewan Pakar Masyarakat • Deputy Secretary to the Council of Experts
Ekonomi Syariah (2021 - sekarang) of the Islamic Economic Community (2021 -
present)
• Ketua Komite Pemantau Risiko • Chairman of the Risk Monitoring Committee
• Ketua Komite Tata Kelola Perusahaan • Chairman of the Corporate Governance
Committee
• Anggota Komite Nominasi dan Remunerasi • Member of the Nomination and
Share Ownership

Pengalaman Kerja • Direktur Lembaga Pengembangan Perbankan • Director of the Islamic Banking Development
Working Experience Syariah (2020 - sekarang) Institute (2020 - present)
• Wakil Sekretaris Dewan Pakar Masyarakat • Deputy Secretary to the Council of Experts
Ekonomi Syariah (2021 - sekarang) of the Islamic Economic Community (2021 -
present)
Indonesia Tbk (2017-sekarang) Muamalat Indonesia Tbk (2017-present)
• Deputi Komisioner Industri Keuangan Non • Deputy Commissioner for the Non-Bank
Bank I OJK (2015-2017) Financial Industry, OJK (2015-2017)
• Kepala Departemen Perbankan Syariah OJK • Head of Syariah Banking at OJK (2014-2015)
(2014-2015)
• Direktur Eksekutif Departemen Perbankan • Executive Director of Sharia Banking
Syariah Bank Indonesia (2012-2013) Department of Bank Indonesia (2012-2013)
• Direktur Departemen Kredit, Bank Perkreditan • Director of Credit, Rural Bank and SME of
Rakyat, dan UMKM Bank Indonesia Bank Indonesia (2010-2012)
(2010-2012)
• Deputi Direkur Direktorat Human Resource • Deputy Director of Human Resource
Bank Indonesia (2007-2010) Directorate of Bank Indonesia (2007-2010)
• Deputi Direktur Direktorat Perbankan Syariah • Deputy Director of the Sharia Banking
• Executive Officer Human Resource Bank • Executive Human Resources Officer of Bank
Indonesia (2002-2004) Indonesia (2002-2004)
• Kepala Divisi Direktorat Human Resource • Head of Division of Human Resource
• Executive Analyst Direktorat Human Resource • Executive Analyst at the Directorate of Human
Bank Indonesia (2000-2001) Resource of Bank Indonesia (2000-2001)
• Kepala Deputi Kantor Perwakilan Bank • Deputy Head of Bank Indonesia
Indonesia di Tokyo (1997-1999) Representative Office in Tokyo (1997-1999)
• Economic Researcher Direktorat Kredit Bank • Economic Researcher at the Directorate of
Indonesia (1996-1997) Credit of Bank Indonesia (1996-1997)
• Kepala Seksi Direktorat Urusan Kredit • Section Head at the Directorate of
Koperasi dan Kredit Kecil Bank Indonesia Cooperative Credit Affairs and Small Credit of
(1993-1996) Bank Indonesia (1993-1996)
• Staff Bank Indonesia (1984-1992) • Staff of Bank Indonesia (1984-1992)
Pelatihan 2021
2021
langsung indirectly
Statement of
Independence

2021 Annual Report
Juni Supriyanto*)
Komisaris
Commissioner

Citizen
Domicile
Age
Pengangkatan tanggal 28 Februari 2022 dan saat ini sedang of PT Bank Muamalat Indonesia Tbk on
Pertama dalam proses akhir Penilaian Kemampuan dan February 28, 2022 and effective after passing
Legal Basis for First Kepatutan dari OJK the Ability and Compliance Test from FSA
Appointment
Appointment dan Kepatutan ke OJK (Otoritas Jasa Keuangan) for a submission for fit and proper test from
Financial Service Authority (FSA)
Term of Office
Riwayat Pendidikan • Master of National Defence Studies dari • Master of National Defence drom Universitas
Education Background Universitas Indonesia dan lulus pada tahun Indonesia in 2009
2009
• Sarjana dibidang Teknik Informatika dari • Bachelor of Informatics Engineering from the
STMIK Perbanas pada tahun 2004 STMIK Perbanas in 2004
Rangkap Jabatan Deputi Keuangan di Badan Pengelola Keuangan Deputy of Finance at the Hajj Financial
Dual Position Haji sejak tahun 2018 hingga sekarang. Management since 2018 until now.
Share Ownership

Pengalaman Kerja • Komisaris PT Bank Muamalat Indonesia Tbk • Commissioner of PT Bank Muamalat
Working Experience (2022-sekarang) Indonesia Tbk (2022-present)
• Deputi Keuangan di Badan Pengelola • Deputy of Finance at the Hajj Financial Man-
Keuangan Haji sejak tahun 2018 hingga agement since 2018 until now.
sekarang.
• Anggota Dewan Standar Akuntansi Syariah • Member of Sharia Accounting Standard
di Ikatan Akuntan Indonesia dari tahun 2015 Board at Institute of Indonesia Chartered
hingga tahun 2021. Accountants from 2015 to 2021
• Kepala Grup Keuangan dan Pelaporan di PT • Head of Finance and Reporting Team at PT
Bank Panin Syariah (2013-2017) Bank Panin Syariah (2013-2017)
Pelatihan 2021
2021
Hubungan Afiliasi Memiliki hubungan afiliasi dengan Pemegang Has affiliation with the Major and Controlling
Affiliate Relations Saham Utama dan Pengendali Shareholders
Statement of
Independence
*)


2021 Annual Report
Andre Mirza Hartawan*)

Komisaris
Commissioner

Citizen
Domicile
Age
Dasar Hukum Rapat Umum Pemegang Saham Tahunan Annual General Meeting of Shareholders of PT
Pengangkatan tanggal 23 April 2009 Bank Muamalat Indonesia Tbk on April 23, 2009
Pertama
Appointment
Appointment dan Kepatutan ke OJK for a submission for fit and proper test from
Financial Service Authority
Term of Office
Riwayat Pendidikan • Doktor Ilmu Ekonomi dari Universitas Trisakti • Doctor of Economics from Universitas Trisakti
Education Background (2020) (2020)
• Master of Business Administration dari • Master of Business Administration from the
Graduate School of Business, Curtin University Graduate School of Business, Curtin University
Perth Australia (1997) Perth Australia (1997)
• Sarjana Teknik Industri di Institut Teknologi • Bachelor’s degree in Industrial Engineering
Bandung (1993) from the Bandung Institute of Technology
(1993)
Rangkap Jabatan • Komisaris Utama PT Wisma Seratus Sejahtera • President Commissioner of PT Wisma Seratus
Dual Position (2014-sekarang) Sejahtera (2014-present)
• Komisaris Independen PT Bank Oke Indonesia • Independent Commissioner of PT Bank Oke
Tbk (2019-sekarang) Indonesia Tbk (2019-present)

Kepemilikan Saham Memiliki saham perusahaan sebanyak 5,19% Has 5.19% of the company’s shares
Share Ownership
• Komisaris Utama PT Wisma Seratus Sejahtera • President Commissioner of PT Wisma Seratus
(2014-sekarang) Sejahtera (2014-present)
• Komisaris Independen PT Bank Oke Indonesia • Independent Commissioner of PT Bank Oke
Tbk (2019-sekarang) Indonesia Tbk (2019-present).
• Komisaris Utama PT Syres Power Energy • President Commissioner of PT Syres Power
(2004-2019) Energy (2004-2019)
• Komisaris Utama PT Auto Daya Aamara (2014- • President Commissioner of PT Auto Daya
2019) Amara (2014-2019)
• Komisaris PT Panca Amara Utama (2009-2019) • Commissioner of PT Panca Amara Utama
(2009-2019)
• Komisaris Utama di PT Auto Daya Keisindo • President Commissioner of PT Auto Daya
(2005-2019) Keisindo (2005-2019)
Indonesia Tbk (2009-2014) Muamalat Indonesia Tbk (2009-2014)
Pelatihan 2021
2021
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dalam hal Has no affiliation, either in terms of financial or
Affiliate Relations hubungan keuangan maupun kekeluargaan family relationship, with members of the Sharia
dengan anggota Dewan Pengawas Syariah, Supervisory Board, members of the Board
anggota Dewan Komisaris, anggota Direksi dan of Commissioners, members of the Board of
Pemegang Saham Pengendali baik langsung Directors and Controlling Shareholders, both
maupun tidak langsung directly and indirectly
Pernyataan Belum menjabat lebih dari 2 (dua) periode Has not served as a Commissioner/
Independensi sebagai Komisaris/Komisaris Independen Independent Commissioner for more than 2
Statement of (two) terms
Independence
*)


2021 Annual Report
Mohamed Hedi Mejai*)

Komisaris
Commissioner
Warga Negara Prancis France

Citizen
Domisili Saudi Arabia Saudi Arabia
Domicile
Age
Pengangkatan tanggal 20 September 2017 dan belum on 20 September 2017 and and has not yet
Pertama memperoleh penetapan lulus Penilaian obtaining Fit and Proper Assessment from FSA
Legal Basis for First Kemampuan dan Kepatutan dari OJK
Appointment
Dasar Hukum Rapat Umum Pemegang Saham Tahunan The Annual General Meeting of Shareholders is
Pengangkatan Terakhir tanggal 17 Mei 2019 dan belum memperoleh on May 17, 2019 and has not yet obtaining Fit
Legal Basis for the Last penetapan lulus Penilaian Kemampuan dan and Proper Assessment from FSA
Appointment Kepatutan dari OJK
Term of Office
Riwayat Pendidikan • Private Equity and Venture Capital for Execuite • Private Equity and Venture Capital for
Education Background dari Harvard Business School, AS (2015) Executives from Harvard Business School, AS
• IDB-Management Development Program di (2015)
London Business School, Inggris (2003) • IDB-Management Development Program in
• MBA dari EDHEC Management School France, London Business School, Inggris (2003)
Business Administration (1998) • MBA from EDHEC Management School France,
• Master’s untuk Development Studies Business Administration (1998)
(Development Economics International Law) • Master’s for Development Studies
dari SOAS, University of London, Inggris (1996) (Development Economics International Law)
from SOAS, University of London, Inggris
(1996)
Rangkap Jabatan • Anggota Komite Tata Kelola Perusahaan • Member of the Corporate Governance
Dual Position Committee
• Anggota Komite Nominasi dan Remunerasi • Member of the Nomination and
• Direktur Islamic Development Bank • Director of Islamic Development Bank
Share Ownership

• Direktur Departemen Investasi Islamic • Director of the Islamic Development Bank
Development Bank (2011) Investment Department (2011)
• Direktur Eksekutif dan Anggota Dewan Oryx • Executive Director and Board Member of Oryx
Capital Ltd (2010-2011) Capital Ltd (2010-2011)
• Direktur Eksekutif, Investasi dan • Executive Director, Investment and Business
Pengembangan Bisnis International Development of International Investment
Investment Bank (2005-2010) Bank (2005-2010)
• Division Chief, Investment Operation dan • Division Chief, Investment Operation and
Marketing Islamic Development Bank Group Marketing of Islamic Development Bank (IDB)
(IDB) (2002-2005) Group (2002-2005)
• CEO, Injazat Technology Venture Capital Fund • CEO, Injazat Technology Venture Capital Fund
Islamic Development Bank Group (IDB) of Islamic Development Bank Group (IDB)
(2000- 2002) (2000-2002)
• Investment Officer Islamic Development Bank • Investment Officer of Islamic Development
Group (IDB) (1998-2000) Bank (IDB) Group (1998-2000)
• Young Professional Islamic Development Bank • Young Professional of Islamic Development
Group (IDB) (1998) Bank (IDB) Group (1998)
• Analyst Islamic Development Bank Group • Analyst of Islamic Development Bank (IDB)
(IDB) (1996-1997) Group (1996-1997)
Pelatihan 2021
2021
Hubungan Afiliasi Memiliki hubungan afiliasi dengan Pemegang Has affiliation with the Major Shareholders
Affiliate Relations Saham Utama
Statement of
Independence
*)
Belum efektif menjabat sebagai Komisaris dan pemberhentian sebagai anggota Dewan Komisaris disahkan melalui RUPSLB tanggal 28 Februari 2022.
Not yet effective served as a Commissioner and his dismissal as a member of the Board of Commissioners was ratified through the EGMS on February 28, 2022.

2021 Annual Report
Abdulsalam Mohammad Joher Al-Saleh*)

Komisaris
Commissioner
Warga Negara Kuwait Kuwait

Citizen
Domisili Saudi Arabia Saudi Arabia
Domicile
Age
Dasar Hukum Rapat Umum Pemegang Saham Tahunan Annual General Meeting of Shareholders of
Pengangkatan PT Bank Muamalat Indonesia Tbk tanggal 30 PT Bank Muamalat Indonesia Tbk on March 30,
Pertama Maret 2017 dan belum memperoleh penetapan 2017 and has not yet obtaining Fit and Proper
Legal Basis for First lulus Penilaian Kemampuan dan Kepatutan dari Assessment from FSA
Appointment OJK
Pengangkatan Terakhir tanggal 17 Mei 2019 dan belum memperoleh on May 17, 2019 and has not yet obtaining Fit
Legal Basis for the Last penetapan lulus Penilaian Kemampuan dan and Proper Assessment from FSA
Appointment Kepatutan dari OJK
Term of Office
Riwayat Pendidikan Sarjana Administrasi Bisnis Jurusan Keuangan Bachelor of Business Administration,
Education Background dari Kuwait University (1987) Department of Finance from the University of
Kuwait (1987)
Rangkap Jabatan • Anggota Komite Pemantau Risiko • Member of the Risk Monitoring Committee
Dual Position • Deputy CEO di Boubyan Bank • Deputy CEO at Boubyan Bank
• Board Member di Boubyan Takaful Insurance • Board Member at Boubyan Takaful Insurance
• Board Member di United Capital Bank • Board Member at United Capital Bank
• Vice Chairman di Boubyan Capital • Vice Chairman at Boubyan Capital
Share Ownership
• Board Member United Capital Bank (Sudan, • Board Member of United Capital Bank (Sudan,
Khartoum) (2014-sekarang) Khartoum) (2014-present)
• Wakil Ketua Boubyan Capital (Anak • Vice Chairman of Boubyan Capital (Subsidiary
Perusahaan Boubyan Bank) (2013-sekarang) of Boubyan Bank) (2013-Present)
• Anggota Dewan Boubyan Takaful Insurance • Board Member of Boubyan Takaful Insurance
(Anak Perusahaan Boubyan Bank) (Subsidiary of Boubyan Bank) (2013-present)
(2013-sekarang)
• Deputy Chief Executive Officer Boubyan Bank • Deputy Chief Executive Officer of Boubyan
(2012-sekarang) Bank (2012-present)

• Regional Manager National Bank of Abu Dhabi • Regional Manager of National Bank of Abu
Kuwait Branch (2005-2012) Dhabi, Kuwait Branch (2005-2012)
• Head of Domestic Corporate Banking Division • Head of Domestic Corporate Banking Division,
National Bank of Kuwait (2003-2005) National Bank of Kuwait (2003-2005)
• Executive Manager, Unit Head-Wholesale • Executive Manager, Unit Head-Wholesale
Group #2 National Bank of Kuwait (2002-2003) Group #2 at the National Bank of Kuwait
(2002-2003)
• Senior Manager, Corporate Banking Div. • Senior Manager, Corporate Banking Division
Wholesale Department National Bank of of the Wholesale Department of National
Kuwait (2000-2002) Bank of Kuwait (2000-2002)
• Manager, Corporate Banking Div. National • Manager, Corporate Banking Division at the
Bank of Kuwait (1998-2000) National Bank of Kuwait (1998-2000)
• Senior Relationship Officer, Corporate • Senior Relationship Officer, Corporate
Banking Division National Bank of Kuwait Banking Division at the National Bank of
(1997-1998) Kuwait (1997-1998)
• Relationship Officer, Corporate Banking • Relationship Officer, Corporate Banking
Division (1995-1997) Division (1995-1997)
• Senior Accountant, Financial Control Division, • Senior Accountant, Financial Control Division,
Direct Equirty Investment Dept. National Bank Direct Equirty Investment Dept. at the
of Kuwait (1994-1995) National Bank of Kuwait (1994-1995)
• Senior Accountant, Financial Control Division, • Senior Accountant, Financial Control Division,
Management Accounting National Bank of Management Accounting at the National Bank
Kuwait (1992-1994) of Kuwait (1992-1994)
• System Supervisor, Financial Control Division • System Supervisor, Financial Control Division
National Bank of Kuwait (1992-1994) at the National Bank of Kuwait (1992-1994)
• Teller and Senior Teller National Bank of • Teller and Senior Teller at the National Bank
Kuwait (1987-1991) of Kuwait (1987-1991)
Pelatihan 2021
2021
Hubungan Afiliasi Memiliki hubungan afiliasi dengan Pemegang Has affiliation with the Major Shareholders
Affiliate Relations Saham Utama
Statement of
Independence
*)
Belum efektif menjabat sebagai Komisaris dan pemberhentian sebagai anggota Dewan Komisaris disahkan melalui RUPSLB tanggal 28 Februari 2022.
Not yet effective served as a Commissioner and his dismissal as a member of the Board of Commissioners was ratified through the EGMS on February 28, 2022.

2021 Annual Report
Profil Direksi dan Pejabat Eksekutif Senior

Profile of the Board of Directors and Senior Executive Officers
Achmad K. Permana Awaldi

Direktur Utama Direktur Operasi
President Director Operation Director
Andri Donny
Direktur Kepatuhan,
Risiko dan Hukum Purnomo B. Soetadi
Director of Compliance, Direktur Bisnis Ritel
Risk and Legal Director of Retail Business

Irvan Yulian
Noor Avianto Istihardjo
Chief Wholesale Direktur Pembiayaan
Banking Officer Director of Financing
Hery Syafril Riksa Prakoso

Direktur Keuangan Chief Human
Finance Director Capital Officer

2021 Annual Report
Achmad K. Permana
Direktur Utama
President Director

Citizen
Domicile
Age
Pertama keputusan efektif dari OJK tanggal 27 Februari received an effective decision from the FSA on
Legal Basis for First 2018 February 27, 2018
Appointment
Term of Office
Riwayat Pendidikan • Magister Manajemen Institut Keuangan • Master in Management of Asian Banking
Education Background Perbankan dan Informatika Asia (2021) Finance and Informatics Institute (2021)
• Sarjana Pertanian Institut Pertanian Bogor • Bachelor of Agriculture from Bogor
(1989) Agricultural University (1989)
Dual Position
Share Ownership

Pengalaman Kerja • Direktur Utama PT Bank Muamalat Indonesia • President Director of PT Bank Muamalat
Working Experience Tbk (2017-sekarang) Indonesia Tbk (2017-present)
• Direktur Syariah Banking di Bank Permata • Director of Syariah Banking at Bank Permata
(2014-2017) (2014-2017)
• Executive Vice President dan Head of Syariah • Executive Vice President and Head of Syariah
Business di Bank Permata (2009-2014) Business at Bank Permata (2009-2014)
• Executive Vice President, Head of Syariah • Executive Vice President, Head of Syariah
Business di Bank Danamon (2006-2009) Business at Bank Danamon (2006-2009)
• Senior Vice President, Head of Amanah Retail • Senior Vice President, Head of Amanah Retail
Banking HSBC (2006) Banking HSBC (2006)
• Vice President HSBC Salinas Monterey, • Vice President of HSBC Salinas Monterey,
California USA (2005-2006) California USA (2005-2006)
• Vice President and National Sales for Credit • Vice President and National Sales for Credit
Card and Asset Product HSBC (2002-2005) Card and Asset Products HSBC (2002-2005)
• Vice President and National Sales for • Vice President and National Sales for Product
Liabilities Product HSBC (2001-2002) Liabilities HSBC (2001-2002)
• Vice President Jakarta Area The Hongkong and • Vice President Jakarta Area The Hongkong and
Shanghai Bank Corporation (HSBC) Shanghai Bank Corporation (HSBC)
(2000-2001) (2000-2001)
• Chief General Manager area Bali di Bank Bali • Chief General Manager Bali area at Bank Bali
(1998-2000) (1998-2000)
• General Manager Consumer Banking, Bali • General Manager Consumer Banking, Bali
Area Bank Bali (1997-1998) Area Bank Bali (1997-1998)
• Business Alliance Manager Bank Bali • Business Alliance Manager Bank Bali
(1996-1998) (1996-1998)
• Area Manager Bank Bali (1993-1996) • Area Manager for Bank Bali (1993-1996)
Pelatihan 2021
2021
dengan anggota Dewan Komisaris, anggota Sharia Supervisory Board, members of the
Direksi dan Pemegang Saham Utama maupun Board of Commissioners, members of the
Pemegang Saham Pengendali baik langsung Board of Directors and Major Shareholders
maupun tidak langsung or Controlling Shareholders, both directly and
indirectly

2021 Annual Report
Purnomo B. Soetadi
Direktur Bisnis Ritel
Retail Banking Director

Citizen
Domicile
Age
Pertama keputusan efektif dari OJK tanggal 21 Maret received an effective decision from the FSA on
Legal Basis for First 2016 March 21, 2016
Appointment
Term of Office
Riwayat Pendidikan • Doktor Ilmu Ekonomi dari Universitas • Doctoral Degree in Economics from
Education Background Padjadjaran (2012) Padjadjaran University (2012)
• Magister Sains Komunikasi Bisnis Universitas • Bachelor’s Degree in Business
Padjajdaran (2007) Communication, Padjadjaran University (2007)
• Sarjana Veterinarians Sains dari Universitas • Bachelor of Veterinary Science from Gadjah
Gadjah Mada (1991) Mada University (1991)
Dual Position
Share Ownership

Pengalaman Kerja • Direktur Bisnis Ritel PT Bank Muamalat • Director of Retail Business of PT Bank
Working Experience Indonesia Tbk (2015-sekarang) Muamalat Indonesia Tbk (2015-present)
• Executive Vice President Product Management • Executive Vice President of Product
Consumer Banking, Bank Negara Indonesia Management Consumer Banking, Bank
(2014-2015) Negara Indonesia (2014-2015)
• Executive Vice President Management and • Executive Vice President of Management and
Marketing, Bank Negara Indonesia (2011- Marketing, Bank Negara Indonesia (2011-
2014) 2014)
• Executive Vice President Management Change • Executive Vice President of Management
Office, Bank Negara Indonesia (2010-2011) Change Office, Bank Negara Indonesia (2010-
• Senior Vice President Retail Banking Network 2011)
Distribution, Bank Danamon (2009-2011) • Senior Vice President of Retail Banking
• Senior Vice President, Pimpinan Wilayah Network Distribution, Bank Danamon (2009-
Regional II Jawa Barat, Bank Danamon (2005- 2011)
2009) • Senior Vice President, Regional Head II West
• Vice President National Sales Management Java, Bank Danamon (2005-2009)
Head, Bank Danamon (2004-2005) • Vice President of National Sales Management
• Vice President Regional Head Jakarta Standard Head, Bank Danamon (2004-2005)
Chartered Bank,(2003-2004) • Vice President Regional Head Jakarta,
• Assistant Vice President Branch Manager Standard Chartered Bank (2003-2004)
Jakarta Standard Chartered Bank (2002) • Assistant Vice President Branch Manager
• Assistant Vice President Branch Manager Jakarta, Standard Chartered Bank (2002)
Medan Standard Chartered Bank (2001) • Assistant Vice President Branch Manager
• Retail Banking Manager Jakarta Main Branch Medan, Standard Chartered Bank (2001)
Standard Chartered Bank (2000) • Retail Banking Manager Jakarta Main Branch,
• Branch Manager Yogyakarta Main Branch Standard Chartered Bank (2000)
Bank Permata (1998-2000) • Branch Manager of Yogyakarta Main Branch,
• Area Manager Consumer Banking Jakarta Bank Permata (1998-2000)
Pusat Bank Permata (1996-1998) • Consumer Banking Area Manager of Central
• Relationship Manager Corporate Banking Jakarta, Bank Permata (1996-1998)
Standard Chartered Bank (1995-1996) • Relationship Manager of Corporate Banking,
• Financial Control Officer Semarang Branch Standard Chartered Bank (1995-1996)
Standard Chartered Bank (1994) • Financial Control Officer at the Semarang
• Trade Finance Officer Semarang Branch Branch of Standard Chartered Bank (1994)
Standard Chartered Bank (1993) • Trade Finance Officer at the Semarang Branch
• Banking Operation Officer Semarang Branch of Standard Chartered Bank (1993)
Standard Chartered Bank (1992) • Banking Operation Officer at the Semarang
Branch of Standard Chartered Bank (1992)
Pendidikan dan Disampaikan dalam pembahasan terpisah Presented in a separate discussion
Pelatihan 2021
2021
indirectly

2021 Annual Report
Hery Syafril
Direktur Keuangan
Finance Director

Citizen
Domicile
Age
Pertama keputusan efektif dari OJK tanggal 21 Maret received an effective decision from the FSA on
Legal Basis for First 2016 March 21, 2016
Appointment
Term of Office
Riwayat Pendidikan • Master of Business Administration dari IPMI • Master of Business Administration dfromari
Education Background International Business School (2020) IPMI International Business School (2020)
• Sarjana Akuntansi dari Universitas Indonesia • Bachelor of Accounting from the University of
(1996) Indonesia (1996)
Dual Position
Share Ownership

Pengalaman Kerja • Direktur Keuangan PT Bank Muamalat • Finance Director of PT Bank Muamalat
Working Experience Indonesia Tbk (2015-sekarang) Indonesia Tbk (2015-present)
• CFO & Finance Director di PT Bank QNB • CFO & Finance Director at PT Bank QNB
Indonesia Tbk (2012-2015) Indonesia Tbk (2012-2015)
• Controller PT Bank Rabobank International • Controller of PT Bank Rabobank International
• Chief Financial Officer & Legal Entity • Chief Financial Officer & Legal Entity Controller
Controller JP Morgan Indonesia (JP Morgan JP Morgan Indonesia (JP Morgan Chase Bank
Chase Bank Jakarta Branch & PT JP Morgan Jakarta Branch & PT JP Morgan Securities
Securities Indonesia) (2003-2009) Indonesia) (2003-2009)
• Audit Manager Ernst & Young Indonesia • Audit Manager at Ernst & Young Indonesia
(2001-2003) (2001-2003)
• Audit Manager Ernst & Young LLP, New York • Audit Manager at Ernst & Young LLP, New
Metro Office USA (1999-2001) York Metro Office USA (1999-2001)
• Assistant Manager Ernst & Young LLP • Assistant Manager at Ernst & Young LLP
• Senior Internal Auditor Bank Credit Lyonnals • Senior Internal Auditor of Bank Credit
Indonesia (1997-1998) Lyonnals Indonesia (1997-1998)
• Senior Auditor Ernst & Young Indonesia • Senior Auditor Ernst & Young Indonesia
(1993-1997) (1993-1997)
Pelatihan 2021
2021
indirectly

2021 Annual Report
Awaldi
Direktur Operasi
Operation Director

Citizen
Domicile
Age
Pengangkatan tanggal 23 Mei 2016 dan mendapatkan on May 23, 2016 and an effective decision from
Pertama keputusan efektif dari OJK tanggal 24 Maret FSA on March 24, 2017
Legal Basis for First 2017
Appointment
Term of Office
Riwayat Pendidikan • Magister Manajemen/MBA dari IPMI Jakarta • Master of Management/MBA from IPMI
Education Background dan Monash University (1997) Jakarta and Monash University (1997)
• Sarjana Psikologi Universitas Gadjah Mada • Bachelor of Psychology from Gadjah Mada
(1990) University (1990)
Dual Position
Share Ownership

Pengalaman Kerja • Direktur Operasi PT Bank Muamalat Indonesia • Operation Director of PT Bank Muamalat
Working Experience Tbk (2017-sekarang) Indonesia Tbk (2017-present)
• Direktur Human Capital PT Bank Muamalat • Director of Human Capital PT Bank Muamalat
• Director of Towers Watson Indonesia • Director of Towers Watson Indonesia
(2012-2015) (2012-2015)
• Head of HR & HR Project Manager for • Head of HR & HR Project Manager for
Business Transformation Bank Ekonomi HSBC Business Transformation Bank Ekonomi HSBC
Group (2010-2011) Group (2010-2011)
• Head of HR Development & Head of HR • Head of HR Development & Head of HR
Strategy and Planning CIMB Niaga (2009-2010) Strategy and Planning of CIMB Niaga
(2009-2010)
• Director of Commerce Leadership Institute • Director of Commerce Leadership Institute of
CIMB Group Kuala Lumpur (2008-2009) CIMB Group KualaLumpur (2008-2009)
• Senior Vice President/Head of HR Bank Niaga • Senior Vice President/Head of HR of Bank
(2000-2008) Niaga (2000-2008)
Pelatihan 2021
2021
indirectly

2021 Annual Report
Andri Donny
Direktur Kepatuhan, Risiko, dan Hukum
Compliance, Risk, and Legal Director

Citizen
Domicile
Age
Pengangkatan tanggal 29 Juni 2016 dan telah mendapatkan June 29, 2016 and has received an effective
Pertama keputusan efektif dari OJK tanggal 27 Juni 2016 decision from the FSA on June 27, 2016
Appointment
Term of Office
Riwayat Pendidikan Sarjana Geofisika dan Metereologi dari Institut Bachelor’s Degree in Geophysics and
Education Background Teknologi Bandung (1995) Meteorology from the Bandung Institute of
Technology (1995)
Dual Position
Kepemilikan Saham Memiliki saham perusahaan sebanyak Has 0.0001510% of the company’s shares
Share Ownership 0,0001510%

Pengalaman Kerja • Direktur Kepatuhan, Risiko dan Hukum • Compliance, Risk and Legal Director of PT
Working Experience PT Bank Muamalat Indonesia (2020-sekarang) Bank Muamalat Indonesia (2020-present)
• Direktur Compliance PT Bank Muamalat • Compliance Director of PT Bank Muamalat
• Direktur Compliance and Risk Management • Compliance and Risk Management Director of
PT Bank Muamalat Indonesia Tbk (2016-2018) PT Bank Muamalat Indonesia Tbk (2016-2018)
• Head of Strategy Planning Division PT Bank • Head of Strategic Planning Division of PT Bank
Muamalat Indonesia Tbk (2016) Muamalat Indonesia Tbk (2016)
• Head of Strategic Change Management Office • Head of Strategic Change Management Office
Division PT Bank Muamalat Indonesia Tbk Division of PT Bank Muamalat Indonesia Tbk
(2014-2016) (2014-2016)
• Alternate Head of Risk Management Division • Alternate Head of Risk Management Division
PT Bank Muamalat Indonesia Tbk (2011-2012) of PT Bank Muamalat Indonesia Tbk
(2011-2012)
• Head of Finance & Strategy Division PT Bank • Head of Finance & Strategy Division of
• Head of Corporate Planning Division PT Bank • Head of Corporate Planning Division of PT
Muamalat Indonesia Tbk (2009-2010) Bank Muamalat Indonesia Tbk (2009-2010)
• Pelaksana Harian Corporate Secretary • Daily Executive Corporate Secretary of PT
PT Bank Muamalat Indonesia Tbk (2008-2009) Bank Muamalat Indonesia Tbk (2008-2009)
• Assistant Director Corporate Planning PT Bank • Assistant Director of Corporate Planning of
• Manager Product Development - Business • Product Development Manager – Business
Development Group, Manager Treasury Development Group, Treasury Manager
– Business Innovation Group, Manager – Business Innovation Group, Corporate
Corporate Planning – Corporate Support Planning Manager – Corporate Support Group
Group PT Bank Muamalat Indonesia Tbk of PT Bank Muamalat Indonesia Tbk (2006-
(2006-2008) 2008)
• Branch Manager PT Bank Muamalat Indonesia • Branch Manager of PT Bank Muamalat
Tbk (2003-2005) Indonesia Tbk (2003-2005)
• Account Manager PT Bank Muamalat • Account Manager of PT Bank Muamalat
Pelatihan 2021
2021
indirectly

2021 Annual Report
Avianto Istihardjo
Direktur Pembiayaan
Financing Director

Citizen
Domicile
Age
Dasar Hukum Rapat Umum Pemegang Saham Tahunan The Annual General Meeting of Shareholders
Pengangkatan tanggal 17 Mei 2019 dan telah mendapatkan on May 17, 2019 and obtained effective
Pertama keputusan efektif dari OJK tanggal 13 Januari decision from the FSA on January 13, 2020.
Legal Basis for First 2020.
Appointment
Pengangkatan Terakhir tanggal 17 Mei 2019 dan telah mendapatkan on May 17, 2019 and has received an effective
Legal Basis for the Last keputusan efektif dari OJK tanggal 13 Januari decision from the FSA on January 13, 2020
Appointment 2020
Term of Office
Riwayat Pendidikan • Sedang menempuh program Doktor jurusan • Currently attending Doctoral Strategic
Education Background Manajemen Stratejik di Universitas Indonesia Management Program in University of
• Magister Manajemen jurusan Manajemen Indonesia
Risiko dari Universitas Indonesia (2006) • Master of Management majoring in Risk
Management from the University of Indonesia
• Sarjana Akuntasi Universitas Indonesia (1995) (2006)
• Bachelor of Accounting, the University of
Indonesia (1995)
Dual Position
Kepemilikan Saham Tidak memiliki saham perusahaan Has no entitled Corporate share
Share Ownership

Pengalaman Kerja • Direktur Pembiayaan PT Bank Muamalat • Financing Director of PT Bank Muamalat
Working Experience Indonesia Tbk (2021-sekarang) Indonesia Tbk (2021-present)
• Direktur Risiko PT Bank Muamalat • Risk Director of PT Bank Muamalat
• Chief Risk Officer PT Bank Muamalat • Chief Risk Officer of PT Bank Muamalat
• Executive Director-Corporate Credit Group • Executive Director-Corporate Credit Group,
Covering Singapore and Australia, DBS Bank Covering Singapore and Australia, DBS Bank
Ltd Singapore (2017-2018) Ltd Singapore (2017-2018)
• Senior Vice President – Head of Corporate • Senior Vice President – Head of Corporate
Credit Group, PT Bank DBS Indonesia Credit Group, PT Bank DBS Indonesia
(2014-2017) (2014-2017)
• Senior Vice President & Head of Credit & Risk • Senior Vice President & Head of Credit & Risk
Management, PT Bank Ekonomi Raharja Tbk Management, PT Bank Ekonomi Raharja Tbk
(Member HSBC Group) (2010-2014) (Member of HSBC Group) (2010-2014)
• Vice President Local Commercial Bank Risk • Vice President of Local Commercial Bank Risk
Co-Head Citibank NA (2008-2010) Co-Head of Citibank NA (2008-2010)
• Vice President – Credit Risk Division Head • Vice President – Credit Risk Division Head
(Chief Credit Officer) PT Bank OCBC-NISP Tbk (Chief Credit Officer) of PT Bank OCBC-NISP
(2005-2008) Tbk (2005-2008)
• General Manager – Public Sector, General • General Manager – Public Sector, General
Manager – Corporate Credit Processing Manager – Corporate Credit Processing of
PT Bank OCBC-NISP Tbk (2001-2005) PT Bank OCBC-NISP Tbk (2001-2005)
• Corporate Finance Relationship Manager • Corporate Finance Relationship Manager
PT Sanwa – BRI finance (1995-1999 PT Sanwa – BRI finance (1995-1999)
Pelatihan 2021
2021
indirectly

2021 Annual Report
Irvan Yulian Noor

Chief Wholesale Banking Officer

Citizen
Domicile
Age
Dasar Hukum Surat Keputusan Direksi No. 0018/HCE/TAP/ Board of Directors Decree No. 0018/HCE/TAP/
Pengangkatan LMP/II/2019 tanggal 19 Februari 2019 LMP/II/2019 dated February 19, 2019
Legal Basis for
Appointment
Riwayat Pendidikan Sarjana Ekonomi Jurusan Keuangan dari Bachelor of Economics majoring in Finance
Education Background Universitas Airlangga (1995) from Airlangga University (1995)
Pengalaman Kerja • Chief Wholesale Banking Officer PT Bank • Chief Wholesale Banking Officer of PT Bank
Working Experience Muamalat Indonesia Tbk (2018-sekarang) Muamalat Indonesia Tbk (2018-present)
• Executive Director dan Country Head – • Executive Director and Country Head –
Commercial Banking Standard Chartered Commercial Banking of Standard Chartered
Bank Indonesia (2014-2018) Bank Indonesia (2014-2018)
• Country Head of Emerging Corporate Banking • Country Head of Emerging Corporate Banking
PT Bank ANZ Indonesia (2011-2014) of PT Bank ANZ Indonesia (2011-2014)
• Senior VP, Deputi Group Head Corporate • Senior VP, Deputy Group Head of Corporate
Banking 2 Group (Local Corporate) PT Bank Banking 2 Group (Local Corporate) of PT Bank
ICBC Indonesia Tbk (2010-2011s) ICBC Indonesia Tbk (2010-2011s)
• Assistant Vice President (Senior Relationship • Assistant Vice President (Senior Relationship
Manager) Global Commercial Bank, Citibank Manager) Global Commercial Bank, of
NA (2007-2010) Citibank NA (2007-2010)
• Assistant Vice President Commercial Banking • Assistant Vice President for Commercial
(Team Leader) PT Bank Mandiri Tbk Banking (Team Leader) of PT Bank Mandiri
(2004-2007) Tbk (2004-2007)
• Executive Development Training (Program • Executive Development Training (Executive
Pendidikan Executive – PPE) & Assistant Education Program - PPE) & Assistant
Managerial Commercial Banking PT Bank Managerial Commercial Banking of PT Bank
Niaga Tbk (1996) Niaga Tbk (1996)

Riksa Prakoso
Chief Human Capital Officer

Citizen
Domicile
Age
Dasar Hukum Surat Keputusan Direksi No. 025/DIR-KPTS/ Board of Directors Decree No. 025/DIR-KPTS/
Pengangkatan VIII/2018 tanggal 9 Agustus 2018 VIII/2018 dated August 9, 2018
Legal Basis for
Appointment
Riwayat Pendidikan 1. Sedang menempuh program Magister 1. Currently pursuing a Masters program in the
Education Background Jurusan Ekonomi & Keuangan Islam di Department of Islamic Economics & Finance
Universitas Trisakti (2020-sekarang) at Trisakti University (2020-present)
2. Sarjana S1 Hubungan Internasional dari 2. Bachelor Degree in International Relations
Universitas Padjajaran (1995) from Padjadjaran University (1995)
Pengalaman Kerja • Chief Human Capital Officer PT Bank • Chief Human Capital Officer of PT Bank
Working Experience Muamalat Indonesia Tbk (2018-sekarang) Muamalat Indonesia Tbk (2018-present)
• SVP, Head of Human Capital Strategy Bank • SVP, Head of Human Capital Strategy of Bank
Muamalat Indonesia (2015-2018) Muamalat Indonesia (2015-2018)
• SVP, Human Capital Division Head PT Bank • SVP, Human Capital Division Head of PT Bank
Mega Syariah Tbk (2012-2015) Mega Syariah Tbk (2012-2015)
• SVP, Senior HC Business Partner PT Bank BII • SVP, Senior HC Business Partner of PT Bank
Mayabank Tbk (2010-2012) BII Mayabank Tbk (2010-2012)
• VP, Head Organisation Learning, Senior HCBP, • VP, Head of Organisation Learning, Senior
Head Reward PT Bank Permata Tbk HCBP, Head Reward of PT Bank Permata Tbk
(2006-2010) (2006-2010)
• Senior Manager, HR Division Head PT Bank • Senior Manager, HR Division Head of PT Bank
Niaga (1996-2006) Niaga (1996-2006)
• Management Development Program Trainee • Management Development Program Trainee
PT Bank Niaga Tbk (1996) of PT Bank Niaga Tbk (1996)

2021 Annual Report
Profil Pejabat Eksekutif

Profile of Executive Officers
Usia Pendidikan
Nama Tanggal Bergabung Jabatan (tahun) Terakhir Institusi Pendidikan
Name Joining Date Position Age Last Educational Institution
(years old) Education
Agung Prambudi 20 Februari | Head of Distribution 52 S1 Universitas Brawijaya
February 2017 & Network
Management
Agus Andipratama 19 Mei | May 2016 Head of Islamic 45 S1 University of South
Amir Business & SME Australia
Anton Hendrianto 3 Juli | July 2017 Head of People 43 S2 Universitas Bina
Development & Nusantara
Culture
Aruddy 11 Mei | May 2012 Head of Wholesale 51 S2 Institut Pertanian Bogor
Financing Risk
Astri Piesca Rini 7 Januari | January Head of Consumer 40 S1 Institut Teknologi
2019 Financing Business Bandung
Aznovri Kurniawan 2 Januari | January Head of Financial 46 S1 Institut Teknologi
2017 Control Bandung
Catur Andayani 1 Oktober | October Head of Integrated 52 S2 Universitas Indonesia
2012 Risk Management
Demmy Rizkiadhy 15 Oktober 2015 Head of Business 40 S1 Universitas Trisakti
Finance & Planning
Dicky Zakiudin 16 April 2018 Head of Retail 51 S1 Universitas 17 Agustus
Collection 1945 Jakarta
Management
Dyah Ekowati 7 Mei | May 1997 Head of Compliance 50 S1 Institut Pertanian Bogor
Esti Budiarti 18 Juli | July 2016 Head of HCBP & 42 S1 Universitas Indonesia
Talent Acquisition
Hayunaji 17 Desember | Head of Corporate 50 S1 Universitas Indonesia
December 2018 Affairs
Marjuki 12 Februari | Head of Information 58 S2 Sekolah Tinggi
February 2018 Technology Manajemen PPM Jakarta
Moh. Madina 12 April 2019 Head of Global 47 S2 Melbourne Unix Monash
Hendrik Soe’oed Market
Muhammad Ade 1 Agustus | August Head of HC Strategy 39 S1 Universitas Persada
Kurniawan 2016 & Services Indonesia (YAI)
Muhammad Ilham 1 September 2016 Head of Accounting 50 S1 Universitas Andalas
& Tax
Nanang Basuki 22 Juni | June 1993 Head of Corporate 51 S2 Institut Teknologi
Real Estate & Bandung
Procurement
Riva Yan Abdillah 28 Januari | January Head of Internal 49 S2 Universitas Trisakti
2021 Audit
Setiawan Sabri 23 Januari | January Head of Operation 53 S1 Erasmus University
2015 Strategy & Control
Supriati Nugroho 22 Juli | July 2015 Head of Marketing 47 S1 Universitas Sebelas
Pernamawati & Customer Maret
Management
Teguh Nugroho 1 Oktober | October Head of Special Asset 39 S1 Institut Pertanian Bogor
2012 Management
Vinny Rika Anwar 26 Maret | March Head of Financing 46 S1 Institut Pertanian Bogor
2018 Operations
Vino Yudessa 9 Mei | May 2016 Head of HCBP & 43 S1 Universitas Islam
Lamantu Industrial Relations Indonesia

Usia Pendidikan
Wang Wardhana 4 Juni | June2018 Head of Retail 49 S2 La Trobe University
Liabilities, Wealth
Management &
Digital Banking
Wita Hanayori 13 Juni | June 2016 Head of Operation 48 S2 Sekolah Tinggi
Services Manajemen IPMI
Ahmad Safril Ilham 26Oktober | Region Head– 45 S2 Universitas Hasanuddin
October2017 Regional Sulawesi, Makassar
Maluku & Papua
Ahmad Salihin 8 September 1997 Region Head– 48 S1 Universitas Hasanuddin
Regional Jakarta Makassar
West
Ana Hastuti 18 September 1996 Region Head– 45 S1 STIE Adhy Niaga
Regional Jakarta East
Aufrieda Artsiana 1 Agustus | August Region Head– 52 S1 Universitas Airlangga
Dewi 2017 Regional Jatim, Bali &
Nusra
Eryk Lufiat 19 September 2016 Region Head– 43 S1 Universitas Gadjah Mada
Regional Jabar
Sahlan 1 Mei | May 2001 Region Head– 44 S1 Universitas Sumatera
Regional Sumbagsel Utara
Sulistyanto Hibrizie 3 Oktober | October Region Head–Plt. 52 S1 Universitas Gadjah Mada
2016 Regional Jateng, DIY
& Kalimantan
Yusra 7 Februari | Region Head– 56 S1 Universitas Syiah Kuala
February 2021 Regional Sumbagut
Mahmud Abu Bakar 15 April 2019 General Manager– 57 S2 University of Leicester,
Kuala Lumpur UK
Branch
Abdillah Wahyudi 15 Januari | January Branch Manager–Plt. 44 S1 Universitas Muslim
2018 Palu Branch Indonesia
Ade Koes Djafri 2 Januari | January Branch Manager– 53 S2 Universitas
2018 Pematangsiantar Muhammadiyah
Branch Sumatera Utara
Afrizal 10 Juni | June 2019 Branch Manager– 47 S2 Universitas Sumatera
Medan Branch Utara
Akbar Sulaiman 31 Desember | Branch Manager– 42 S1 Universitas Hasanuddin
Karib December 2004 Ambon Branch Makassar
Andi Hidayat 25 April 2016 Branch Manager– 42 S1 Sekolah Tinggi
Plt. Tangerang City Manajemen Informatika
Branch dan Komputer (STMIK)
Anike Defriana 27 Februari | Branch Manager– 47 S1 Universitas Tanjungpura
February 2017 Wolter Monginsidi
Branch
Anshar 12 Juni | June 1999 Branch Manager– 50 S1 Universitas Hasanuddin
Samarinda Branch Makassar
Arie Boentaram 17 Mei | May 2001 Branch Manager– 43 S1 UPI YAI Jakarta
Cengkareng Branch
Arief Nur Yusuf 1 Oktober | October Branch Manager– 51 S1 Universitas Merdeka
2016 Kalimas Bekasi Malang
Branch
Bambang Haryo 1 Agustus | August Branch Manager– 37 S1 Universitas
Nugroho 2006 Purwokerto Branch Muhammadiyah
Yogyakarta

2021 Annual Report
Usia Pendidikan
Bambang Waringin 2 Mei | May 2018 Branch Manager– 50 S1 Universitas Syiah Kuala
Langsa Branch
Betha Muhammad 1 Februari | Branch Manager– 41 S1 Institut Pertanian Bogor
Zaky February 2007 Banjarmasin Branch
Bimo Setyawan 6 April 2017 Branch Manager– 43 S2 Universitas Atma Jaya
Fatmawati Branch
Budi Santoso 1 Maret | March Branch Manager– 48 S1 STIE Stikubank
1996 Semarang Branch
Cahya Adi 2 Januari | January Branch Manager– 43 S1 Institut Perbanas
2017 Puri Indah Branch
Christin 26 April 2017 Branch Manager– 41 S1 Universitas Gadjah Mada
Widyaningrum Kalimalang Branch
Christinawulansari 1 September 2006 Branch Manager– 40 S1 Institut Teknologi
Elok Jayapura Branch Sepuluh Nopember
Jatiwaluyaningtias Surabaya
Danang Rokhmad 15 Juni | June 2009 Branch Manager– 36 S1 Universitas Negeri
Sulendra Surabaya Darmo Surabaya
Branch
Deny Hindarto 1 Agustus | August Branch Manager– 52 S2 The IPMI Business
2016 Bogor Branch School
Dewi Fathia 1 Desember | Branch Manager– 48 S1 STIE Kampus Ungu
December 2016 BSD Branch
Donny Havianto 1 Desember | Branch Manager– 47 S1 Sekolah Tinggi
December 1996 Cilegon Branch Manajemen Labora
Dwi Poedji Widodo 3 Januari | January Branch Manager– 50 S2 STIE Malangkucecwara
2017 Makassar Branch Malang
Efrida Yanti Siregar 18 Maret | March Branch Manager– 43 S1 Universitas Sumatera
2003 Padang Sidimpuan Utara
Branch
Eka Shanti Sistina 2 Januari | January Branch Manager– 43 S1 Universitas Brawijaya
2003 Otista Branch
Erine Widya 10 Juni | June 2019 Branch Manager– 43 S1 Universitas Wijaya
Kusumawati Surabaya Sungkono Kusuma, Surabaya
Branch
Evia Lutvita Sarie 5 Januari | January Branch Manager– 40 S1 University Islamic of
2006 Yogyakarta Branch Indonesia
Fardila Sari 8 Mei | May 2008 Branch Manager– 38 S1 Universitas Andalas
Plt. Sawangan Padang
Bojongsari Branch
Feri Ferdian 1 September 2006 Branch Manager– 40 S1 Universitas
Ternate Branch Cenderawasih
Firmansyah Safari 3 Januari | January Branch Manager– 40 S1 Universitas Islam
2006 2012 Serang Branch Bandung
Fitra Nirwan 28 April 2008 Branch Manager– 37 S1 STAIN Batusangkar
Pangkal Pinang
Branch
Fitrawan 7 Januari | January Branch Manager– 40 S2 Universitas Haluoleo
2004 Kendari Branch
Giat Waluyo 7 Januari | January Branch Manager– 45 S1 Universitas Jendral
2004 Solo Branch Soedirman
Hyang Pramesti 24 November 2014 Branch Manager– 41 S1 Universitas Jenderal
Kesumawijaya Cianjur Branch Achmad Yani
Imam Pudji Rahardjo 3 Juli | July 1995 Branch Manager– 51 D3 Politeknik Negeri
Cirebon Branch Bandung
Ismupdalifah 2 September 1993 Branch Manager– 52 S1 Universitas Indonesia
Ciledug Branch
Kaspul Anwar Tang 15 Januari | January Branch Manager– 39 S1 Universitas Mulawarman
2007 Pontianak Branch Samarinda
M. Asrul 31 Oktober | Branch Manager– 37 S1 Universitas Negeri
October 2008 Mamuju Branch Makassar

Usia Pendidikan
M. Helmi 24 Januari | January Branch Manager– 45 S1 Universitas Andalas
2005 Palembang Branch
M. Nahdhudin Al 2 Januari | January Branch Manager– 44 S1 IAIN Walisongo
Asady 2004 Cipulir Branch
Madihah Insaniyah 1 Oktober | October Branch Manager–Plt. 31 S1 Universitas Padjadjaran
2013 Buaran Klender
Branch
Maghfiroh 27 Januari | January Branch Manager– 39 S1 Lainya
2016 Kebon Jeruk Branch
Melinawati Amran 1 Desember | Branch Manager– 48 S2 Universitas Persada
December 2016 Bintaro Jaya Branch Indonesia (YAI)
Melur Musdalifah 4 Januari | January Branch Manager– 41 S1 Universitas Sahid
2016 Melawai Branch
Mhd Taufik 3 April 2011 Branch Manager– 36 S1 Universitas Komputer
Jambi Branch Indonesia
Miky Mardiansyah 25 Agustus | August Branch Manager– 46 S1 Universitas Sumatera
Pino 2016 Medan Baru Branch Utara
Moch Khoiruddin 15 Desember | Branch Manager– 43 S1 Universitas Jember
December 2003 Jember Branch
Mohamad Haerudin 23 Maret | March Branch Manager– 37 S1 Universitas Sultan Ageng
2007 Kediri Branch Tirtayasa
Mohammad 13 Agustus | August Branch Manager– 41 S1 Institut Pertanian Bogor
Badrudin 2007 Tasikmalaya Branch
Muhammad Amin 18 April 2005 Branch Manager– 42 S1 Universitas Islam
Pekanbaru Branch Bandung
Muhammad Husein 1 Maret | March Branch Manager– 37 S1 Universitas Sriwijaya
Sucipto 2008 Denpasar Branch
Muhammad 20 September 2018 Branch Manager– 32 S1 Institut Manajemen
Nurwahyu Ishak Gorontalo Branch Telkom
Muhammad Rajab 2 Juli | July 2018 Branch Manager– 44 S2 Universitas Islam Negeri
Lubis Tanjung Pinang Sumatera Utara
Branch
Nasrulloh 1 Maret | March Branch Manager– 42 S2 Universitas Negeri
2004 Mataram Branch Jember
Neneng Siti Rahmah 15 September 2017 Branch Manager– 49 S1 STIE Adhy Niaga
Niar KPO Muamalat
Tower
Pandu Angga 1 September 2015 Branch Manager– 39 S1 Institut Teknologi
Ikhsana Depok Branch Bandung
Prasetyo Nur Cahyo 1 Desember | Branch Manager– 38 S1 Universitas Bina
December 2017 Kelapa Gading Nusantara
Branch
Rani Savitri Azhari 1 Juni | June 2021 Branch Manager– 43 S1 Universitas Nusa
Kupang Branch Cendana Kupang
Ribut Budi Putro 10 Agustus | August Branch Manager– 42 S1 Universitas
Utomo 2003 Palangkaraya Branch Muhammadiyah
Surakarta
Rifyal Fajri 18 Desember | Branch Manager– 39 S1 STT Telkom
December 2006 Bengkulu Branch
Riky Sofyan 1 November 2021 Branch Manager– 45 S1 ISTN Jakarta
Jababeka Branch
Rizma 13 Maret | March Branch Manager– 51 S1 Universitas
1995 Surabaya KH Mas Muhammadiyah Malang
Mansyur Branch
Sopian 25 April 2011 Branch Manager– 33 S1 Universitas Riau
Batam Branch
Sugeng Hernowo 1 Februari | Branch Manager– 45 D3 Politeknik Negeri
February 1999 Kudus Branch Semarang
Sumardi 1 September 2006 Branch Manager– 41 S1 UPN Veteran Jawa Timur
Sorong Branch

2021 Annual Report
Usia Pendidikan
Suriyansyah 1 April 2001 Branch Manager– 47 S1 Universitas Lambung
Balikpapan Branch Mangkurat
Syahrul Effendi 5 Desember | Branch Manager– 44 S1 Universitas Syiah Kuala
December 2016 Aceh Branch
Syamsul Bahru 1 Juni | June 2006 Branch Manager– 43 S1 Universitas Sulawesi
Manado Branch Tenggara
Syuhardiman 24 Januari | January Branch Manager– 46 S1 Universitas Andalas
2005 Padang Branch
T. Abdullah 23 April 2004 Branch Manager– 41 S1 Universitas Padjadjaran
Suherman Sukabumi Branch
Uki A Wibowo 9 Januari | January Branch Manager– 46 S1 Universitas Sam
2017 Rawamangun Ratulangi
Branch
Wahid Fitrian 15 Oktober | Branch Manager– 40 S1 Universitas Sriwijaya
October 2012 Lampung Branch
Warno 8 September 1997 Branch Manager– 47 S1 Universitas Balikpapan
Pekalongan Branch
Widyanti Hidayat 23 Desember | Branch Manager– 40 S1 Universitas Padjadjaran
December 2019 Karawang Branch
Wisnu Satria Bharata 13 September 2008 Branch Manager– 36 S1 Universitas Negeri
Malang Branch Semarang
Yayan Hadiyanto 23 Juni | June 2008 Branch Manager– 41 S2 Universitas Gadjah Mada
Tegal Branch
Yeyen Djannati 26 Agustus | August Branch Manager– 41 S1 Universitas Muslim
2006 Pancoran Branch Indonesia

Statistik Karyawan
Employee Statistics
Hingga 31 Desember 2021, jumlah karyawan PT Bank As of December 31, 2021, the number of employees of
Mualamat Indonesia Tbk. tercatat sebanyak 2.700 karyawan PT Bank Mualamat Indonesia Tbk was recorded at 2,700
turun 9% atau sekitar 268 karyawan dari jumlah periode employees, decreasing by 9% or around 268 employees
yang sama pada tahun lalu yang sebanyak 2.968 karyawan. from the same period last year at 2,968 employees. This
Jumlah tersebut merupakan jumlah Full Time Employee (FTE) amount is the number of Full Time Employees (FTE) and
dan tidak termasuk Non-FTE (pemagangan) sebanyak 561 does not include Non-FTE (apprenticeship) as much as 561
orang. Adapun rincian komposisi karyawan berdasarkan person. The details of the composition of employees based
status kepegawaian, gender, usia, tingkat pendidikan, level on tenure, gender, work location, organisational level,
organisasi, masa kerja dan lokasi kerja digambarkan dalam education level, employment status, and age are described
tabel-tabel di bawah ini. in the following tables.
Jumlah Karyawan berdasarkan Masa Kerja Number of Employees based on Years of Service
Jumlah Karyawan per 31 Desember
Masa Kerja Number of Employees as of December 31 Years of Service
2021 % 2020 % 2019 %
<1 tahun 125 5 111 4 224 7 <1 years
1–2 tahun 208 8 368 12 514 16 1–2 years
3–5 tahun 494 18 483 16 583 18 3–5 years
6–10 tahun 939 35 1.177 40 1.256 38 6–10 years
>10 tahun 934 35 829 28 683 21 >10 years
Jumlah 2.700 100 2.968 100 3.260 100 Total
Jumlah Karyawan berdasarkan Gender Number of Employees based on Gender

Gender Number of Employees as of December 31 Gender
2021 % 2020 % 2019 %
Laki-laki 1.640 61 1.803 61 1.966 60 Male
Perempuan 1.060 39 1.165 39 1.294 40 Female
Jumlah 2.700 100 2.968 100 3.260 100 Total
Jumlah Karyawan berdasarkan Lokasi Kerja Number of Employees based on Work Location
Lokasi Kerja Number of Employees as of December 31 Work Location
2021 % 2020 % 2019 %
Sumatera 381 14 430 14 471 14 Sumatra
Jawa 1.881 70 2.049 69 2.236 69 Java
Kalimantan 116 4 135 5 152 5 Kalimantan
Bali 12 0 16 1 20 1 Bali
Nusa Tenggara 24 1 28 1 34 1 Nusa Tenggara
Maluku 27 1 32 1 36 1 Maluku
Sulawesi 199 1 216 7 238 7 Sulawesi
Papua 34 1 36 1 47 1 Papua
Malaysia 26 1 26 1 26 1 Malaysia
Jumlah 2.700 100 2.968 100 3.260 100 Total

2021 Annual Report
Jumlah Karyawan berdasarkan Status Karyawan Number of Employees based on Employment Status
Status Karyawan Number of Employees as of December 31 Employment Status
2021 % 2020 % 2019 %
Permanen 2.644 98 2.914 98 3.181 98 Permanent
Kontrak 56 2 54 2 79 2 Contract
Jumlah 2.700 100 2.968 100 3.260 100 Total
Jumlah Karyawan berdasarkan Usia Number of Employees based on Age

Usia Number of Employees as of December 31 Age
2021 % 2020 % 2019 %
sampai dengan 30 tahun 234 9 314 11 546 17 up to 30 years old
31–40 tahun 1.731 64 1.962 66 2.085 64 31–40 years old
di atas 40 tahun 735 27 692 23 629 19 over 40 years old
Jumlah 2.700 100 2.968 100 3.260 100 Total
Jumlah Karyawan berdasarkan Level Organisasi Number of Employees based on Organisation Level
Level Organisasi Number of Employees as of December 31 Organisation Level
2021 % 2020 % 2019 %
Dewan Komisaris 5 0 5 0 5 0 Board of Commissioners
Dewan Pengawas Syariah 3 0 2 0 2 0 Sharia Supervisory Board
Direksi 6 0 6 0 6 0 Board of Directors
Chief 2 0 2 0 2 0 Chief
Head of L1 25 1 28 1 32 1 Head of L1
Head of Subsidiaries 3 0 2 0 5 0 Head of Subsidiaries
Region Head 9 0 9 0 9 0 Region Head
Head of L2 107 4 110 4 113 3 Head of L2
L2 Specialist 6 0 8 0 4 0 L2 Specialist
Branch Manager 76 3 79 3 80 2 Branch Manager
Priority Center Manager 3 0 3 0 – 0 Priority Center Manager
Head of L3 11 0 12 0 10 0 Head of L3
Region Commercial Head 3 0 5 0 5 0 Region Commercial Head
Region Operation Service 8 0 7 0 10 0 Region Operation Service
Manager Manager
Region Retail FOP Manager 3 0 6 0 8 0 Region Retail FOP Manager
Branch Operation Service 81 3 79 3 82 3 Branch Operation Service
Manager Manager
Sub Branch Manager 122 5 129 4 142 4 Sub Branch Manager
Operation Supervisor 143 5 127 4 146 4 Operation Supervisor
Team Leader 74 3 86 3 60 2 Team Leader
Other Officer 784 29 827 28 902 28 Other Officer
Clerical 1.218 45 1.428 48 1.627 50 Clerical
NBS 8 0 8 0 10 0 NBS
Jumlah 2.700 100 2.968 100 3.260 100 Total

Jumlah Karyawan berdasarkan Tingkat Pendidikan Number of Employees based on Education Level
Tingkat Pendidikan Number of Employees as of December 31 Education Level
2021 % 2020 % 2019 %
Pasca Sarjana 145 5 134 5 149 5 Post Graduate
Sarjana 2.333 86 2.589 87 2.832 87 Graduate
Diploma 211 8 233 8 265 8 Diploma
Di Bawah Diploma 11 0 12 0 14 0 Under Diploma
Jumlah 2.700 100 2.968 100 3.260 100 Total
BIAYA PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT COSTS

Penyerapan biaya program pelatihan dan pengembangan The absorption of costs for HR training and development
SDM tahun 2021 oleh perusahaan telah mengikuti program of the company in 2021 has complied with the
ketentuan yang berlaku dari OJK yaitu sebesar 5% dari total applicable regulations from the OJK, which is 5% of the total
Biaya Tenaga Kerja (BTK), yakni Rp34,87 miliar. Nilai tersebut Manpower Cost (BTK), which amounted to Rp34.87 billion.
turun sebesar 2,7% dari realisasi tahun 2020 yang sebesar This value decreased by 2.7% from the realization in 2020
Rp35,83 miliar. which amounted to Rp35.83 billion.
Adapun untuk tahun buku 2021, Bank mengalokasikan biaya For the 2021 fiscal year, the Bank has allocated Rp34.87
sebanyak Rp 34,87 miliar untuk pengembangan kompetensi billion for employee competency development.
karyawan.
Pengembangan Kompetensi Karyawan Employee Competency Development

Jumlah
Level Jabatan Peserta Jenis Pelatihan Tujuan Pelatihan Penyelenggara
No.
Level of Position Number of Type of Training Training Objectives Organizer
Participants
1 Board 25 Business, Core, Mengembangkan kompetensi SDM yang Bank Muamalat
Management, dibutuhkan melalui pendekatan terintegrasi Indonesia,
2 Senior 212 Leadership, yang dirancang dengan memperhatikan Mualamat Institute,
Management Operation, kebutuhan individu karyawan, organisasi, dan pihak eksternal
Support, Soft perencanaan suksesi karyawan, dan sasaran lainnya
3 Middle 1.707 Skill bisnis dalam jangka pendek maupun jangka
Management panjang.
Develop the required HC competencies Bank Muamalat
through an integrated approach designed Indonesia,
4 Junior 14.186 by taking into account the individual needs Mualamat Institute,
Management of employees, the organization, employee and other external
succession planning, and business goals in parties
5 Staff 20.912 the short and in the long term.
Pengembangan Kompetensi Dewan Komisaris Competency Development of the Board of

Commissioners
Waktu dan
Nama Peserta Tempat
Jabatan Jenis Pelatihan Penyelenggara
No. Name of Penyelenggara
Position Type of Training Organizer
Participant Time and Place of
Implementation
1 Ilham A. Habibie Komisaris Utama/ Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Komisaris Management and Compliance (GRC) online Institute
Independen Strategy for the Implementation of May 5, 2021, via
President Governance, Risk Management and online
Commissioner/ Compliance (GRC)
Independent
Commissioner
2 Iggi Haruman Komisaris Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Achsien Independen Management and Compliance (GRC) online Institute
Independent Strategy for the Implementation of May 5, 2021, via
Commissioner Governance, Risk Management and online
Compliance (GRC)

2021 Annual Report
Waktu dan
Nama Peserta Tempat
Implementation
3 Edy Setiadi Komisaris Efektivitas Pengawasan Dewan 25 Maret 2021 via Forum
Independen Komisaris dalam Menjaga Kepatuhan online Komunikasi
Independent Bank untuk Menuju Era Pengaturan Direktur
Commissioner Principle Based Kepatuhan
Perbankan
(FKDKP)
The Effectiveness of Supervision March 25, 2021 via Communication
of the Board of Commissioners in online Forum for
Maintaining Bank Compliance Towards Director
the Principle-Based Regulation Era of Banking
Compliance
(FKDKP)
Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Management and Compliance (GRC) online Institute
Strategy for the Implementation of May 5, 2021, via
Governance, Risk Management and online
Compliance (GRC)
Pengembangan Kompetensi Direksi dan Pejabat Competency Development of the Board of Directors and
Eksekutif Senior Senior Executive Officers
Waktu dan
Nama Peserta Tempat
No Name of Penyelenggara
Implementation
1 Achmad K. Direktur Utama Pelatihan Crisis Management Handling 1 Januari 2021 di ASBISINDO
Permana President Director Jakarta
Crisis Management Handling Training January 1, 2021 in
Jakarta
Mewujudkan Ekonomi dan Keuangan 23 Januari 2021 di Masyarakat
Syariah yang Berkontribusi Signifikan Jakarta Ekonomi Syariah
dalam Ekosistem Perekonomian January 23, 2021 in (MES)
Nasional Jakarta Sharia Economic
Creating a Shariah Economy and Community
Finance that Contributing Significantly (MES)
to the National Economic Ecosystem
WEBINAR & E-AWARDING : Satisfaction 9 Februari 2021 Infobank
Loyalty Engagement 2021 “Manage via online
Strategies to Maintain Well Relationship February 9, 2021
with Customers” via online
Global Islamic Investment Forum 9 Maret 2021 di BPKH
Jakarta
March 9, 2021 in
Jakarta
Seminar Nasional Ekonomi dan 21 Maret 2021 di Bank Indonesia,
Keuangan Syariah dengan tema: Jakarta KNEKS, IAEI, dan
“Srikandi Ekonomi Syariah Bersinergi MES - Road to
Mendukung Pemulihan Ekonomi” ISEF 2021
National Seminar on Sharia Economics March 21, 2021 in Bank Indonesia,
and Finance with the theme: “Srikandi Jakarta KNEKS, IAEI, and
Sharia Economics Synergizes to MES - Road to
Support Economic Recovery” ISEF 2021
Strategi Penerapan Governance, Risk 5 Mei 2021 di Muamalat
Management and Compliance (GRC) Jakarta Institute
Strategy for Implementation of May 5, 2021 in
Governance, Risk Management and Jakarta
Compliance (GRC)
Sosialisasi Simpanan Berbasis Nasabah 20 Mei 2021 di Lembaga
Bank Umum Jakarta Penjamin
Socialization of Commercial Bank May 20, 2021 in Simpanan (LPS)
Customer-Based Deposits Jakarta Deposit
Insurance
Corporation (LPS)

Waktu dan
Nama Peserta Tempat
Implementation
Achmad K. Direktur Utama Speaker in KLIK Updates : HR as Partner 3 Juli 2021 di PT.Kreasi Lintas
Permana President Director for Learning Organization Jakarta Indonesia
July 3, 2021 in Kompeten (KLIK)
Jakarta
Talkshow : Paparan Kinerja BPKH 2021: 5 Juli 2021 di Infobank
Menjaga Transparansi Pengelolaan Jakarta
Dana Haji
Talkshow: BPKH 2021 Performance July 5, 2021 in
Exposure: Maintaining Transparency in Jakarta
Hajj Fund Management
Webinar : Pengelolaan Dana Haji 2021 19 Juli 2021 via BPKH - IAEI
online
Webinar : Hajj Fund Management 2021 July 19, 2021 via
online
Seminar Nasional dan Launching 8 Agustus 2021 via Muamalat
Gerakan Literasi Syariah (GEULIS), online Institute
dengan tema “Literasi Keuangan
Syariah di Era Digital”
National Webinar: Challenges and August 8, 2021 via
Opportunities of Islamic Banking in online
Facing the Digital Period
Webinar Digital Banking Experience: 3 September 2021 BMI
Antara Kemudahan dan Keamanan via online
Transaksi September 3, 2021
via online
Audiensi Penerapan POJK 30 (BBMI & 14 September BMI
OJK) 2021 di Jakarta
September 14,
2021 in Jakarta
CEO Forum “The Future of Banking – 30 September PERBANAS
How Bank Stay Relevant” 2021 di Jakarta
September 30,
2021 in Jakarta
Yogyakarta: Jagong Masalah Umrah & 4 Oktober 2021 di KEMENAG
Haji Jakarta
October 4, 2021 in Ministry of
Jakarta Religion
Webinar Nasional: Tantangan dan 14 Oktober 2021 OJK/FSA
Peluang Perbankan Syariah dalam via online
Menghadapi Era Digital October 14, 2021
via online
Speaker for International Hajj 27 Oktober 2021 BPKH
Conference - Islamic Investment Forum di Jakarta
October 27, 2021
in Jakarta
Forum Group Discussion “Solusi 11 November 2021 Sekretaris
Pembiayaan UMKM untuk Mendorong di Jakarta Kabinet RI
UMKM Halal Ekspor”
Forum Group Discussion “MSME November 11, Cabinet
Financing Solutions to Encourage Halal 2021 in Jakarta Secretary of RI
MSME Exports”
Senior Management Forum-Start The 19 November 2021 Bank Muamalat
Engine di Jakarta Indonesia
November 19,
2021 in Jakarta
Bedah Buku dan Talkshow Banker 23 November 2021 Muamalat
Mastery di Jakarta Institute
Book Review and Banker Mastery November 23,
Talkshow 2021 in Jakarta

2021 Annual Report
Waktu dan
Nama Peserta Tempat
Implementation
Pertemuan Tahunan Bank Indonesia 24 November 2021 BI
(PTBI) 2021 - “Bangkit & Optimis: di Jakarta
Sinergi dan Inovasi untuk Pemulihan
Ekonomi”
Interactive Dialogue with the theme November 24,
“Building New Optimism to Accelerate 2021 in Jakarta
National Economic Recovery”
Dialog Interaktif dengan tema 26 November 2021 OJK/FSA
“Membangun Optimisme Baru untuk di Jakarta
Mendorong Percepatan Pemulihan November 26,
Ekonomi Nasional” 2021 in Jakarta
Sharing Session Bank 4.0 ‘Banking 29 November 2021 BMI
Everywhere, Never at a Bank” - Day 1 di Jakarta
November 29,
2021 in Jakarta
Sharing Session Bank 4.0 ‘Banking 1 Desember 2021 BMI
Everywhere, Never at a Bank” - Day 2 di Jakarta
January 1, 2021 in
Jakarta
Pembicara di acara Peluncuran & 16 Desember 2021 IAEI
Bedah Buku: Bunga Rampai 30 th di Jakarta
Ekonomi Syariah Indonesia
Speakers at the Book Launching and Decemeber 16,
Review event: Interests for 30 years of 2021 in Jakarta
Indonesian Sharia Economics
2 Andri Donny Direktur Webinar Economic Outlook 12 Januari 2021 di BMI,
Kepatuhan, Risiko, 2021 – Menjawab Ketidakpastian Jakarta Muhammadiyah,
dan Hukum Ekonomi: Posisi dan Peran ITB Ahmad
Compliance, Risk, Strategis Muhammadiyah Dahlan
and Legal Director 2021 Economic Outlook Webinar – January 12, 2021 in
Answering Economic Uncertainty: Jakarta
Muhammadiyah’s Strategic Position
and Role
FGD infobank – The Future of Fraud & 4 Februari 2021 di Infobank
Risk Management in Finance & Banking Jakarta
February 4, 2021
in Jakarta
Workshop Sertifikasi Kepatuhan & AML 18 Februari 2021 Forum
Level 3 Eksekutif via online Komunikasi
Direktur
Kepatuhan
Perbankan
(FKDKP)
Executive Level 3 AML and Compliance February 18, 2021 Communication
Certification Workshop via online Forum for
Director
of Banking
Compliance
(FKDKP)
Senior Management Forum Town Hall 22 Februari 2021 Bank Muamalat
Meeting di Jakarta Indonesia
February 22, 2021
in Jakarta
Webinar – Efektivitas Pengawasan 25 Maret 2021 via Forum
Dewan Komisaris dalam Menjaga online Komunikasi
Kepatuhan Bank dalam Menuju Era Direktur
Pengaturan Principle Based Kepatuhan
Perbankan
(FKDKP)
Webinar – The Effectiveness March 25, 2021 via Communication
of Supervision of the Board of online Forum for
Commissioners in Maintaining Bank Director
Compliance Towards the Principle- of Banking
Based Regulation Era Compliance
(FKDKP)

Waktu dan
Nama Peserta Tempat
Implementation
Andri Donny Direktur Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Kepatuhan, Risiko, Management and Compliance (GRC) online Institute
dan Hukum Strategy for the Implementation of May 5, 2021, via
Compliance, Risk, Governance, Risk Management and online
and Legal Director Compliance (GRC)
Narasumber bedah buku BAZNAZ – 27 Mei 2021 di BAZNAZ
Sinergi Bank Syariah dan Organisasi Jakarta
Pengelola Zakat
Speaker for the BAZNAZ book review May 27, 2021 in
– Synergy of Islamic Banks and Zakat Jakarta
Management Organizations
FGD Centre of Excellence in Islamic 21 Juni 2021 di UIII,UNDP & IsDB
Finance SDG Jakarta
June 21, 2021 in
Jakarta
Webinar FKDKP – Peran Direktur 18 Juli 2021 di Forum
Kepatuhan dalam Pengawasan Jakarta Komunikasi
Operasional Intern Bank dalam Masa Direktur
Pandemi serta PPKM Saat Ini Kepatuhan
Perbankan
(FKDKP)
FKDKP Webinar – The Role of the July 18, 2021 in Communication

Compliance Director in Supervision of Jakarta Forum for
Bank Internal Operations During the Director
Current Pandemic and PPKM of Banking
Compliance
(FKDKP)
Narasumber FGD dalam Rangka 28 Juli 2021 di OJK/FSA
Pelaksanaan Pembiayaan berdasarkan Jakarta
Akad Mudharabah
FGD Speaker for the Implementation July 28, 2021 in
of Financing based on the Mudharabah Jakarta
Contract
Webinar – Trade Based Money 2 Agustus 2021 via Pusat Pelaporan
Laundering online dan Analisis
Transaksi
Keuangan
(PPATK)
August 2, 2021 via Financial
online Transaction
Reports and
Analysis Center
(PPATK)
FGD Pembentukan Islamic Invesment 2 September 2021 Komite Nasional
Bank di Jakarta Ekonomi dan
FGD on the Establishment of an Islamic September 2, 2021 Keuangan
Investment Bank in Jakarta Syariah (KNEKS)
National
Committee of
Sharia Economy
and Finance
(KNEKS)
Webinar – Kesiapan Spin-off Asuransi 29 September Asosiasi
Syariah 2021 via online Asuransi Syariah
Indonesia (AASI)
Webinar – Readiness of Sharia September 29, Indonesian
Insurance Spin-off 2021 via online Sharia Insurance
Association
(AASI)

2021 Annual Report
Waktu dan
Nama Peserta Tempat
Implementation
FGD RPP tentang Besaran Bagian 14 Oktober 2021 Kementerian
Premi untuk Pendanaan Program di Jakarta Keuangan
Restrukturisasi Perbankan Ministry of
RPP FGD on Amount of Premium Share October 14, 2021 Finance
for Banking Restructuring Program in Jakarta
Funding
Senior Management Forum 19 November 2021 Bank Muamalat
di Jakarta Indonesia
November 19,
2021 in Jakarta
FGD Upaya Deteksi, Cegah, dan 22-23 November Pusat Pelaporan
Berantas Pinjaman Online Ilegal 2021 di Jakarta dan Analisis
FGD on Efforts to Detect, Prevent, and November 22-23, Transaksi
Combat Illegal Online Loans 2021 in Jakarta Keuangan
(PPATK)
Financial
Transaction
Reports &
Analysis Center
(PPATK)
Webinar/Diskusi Hukum – 1 Desember 2021 PERBANAS
Perlindungan Bank Selaku Kreditor via online
Separatis dalam Proses PKPU serta
Pengurusan dan Pemberesan Harta
Legal Webinar/Discussion – Protection December 1, 2021
of Banks as Separatist Creditors in via online
the PKPU Process as well as Asset
Management and Settlement
Webinar – Ijtima’ Sanawi (Annual 2-3 Desember PERBANAS
Meeting) DPS Tahun 2021 2021 via online
Webinar – Ijtima’ Sanawi (Annual December 2-3,
Meeting) of DPS in 2021 2021 via online
FGD – Tantangan dan Solusi 10 Desember 2021 DPBS-OJK
Meningkatkan Daya Saing Global di Jakarta
Melalui Digitalisasi Value Chain
Financing UMKM dalam Ekosistem
Bisnis Keuangan Syariah
FGD – Challenges and Solutions to December 10,
Increase Global Competitiveness 2021 in Jakarta
Through Digitizing the Value Chain
Financing of MSMEs in the Sharia
Finance Business Ecosystem
SMF Sharing Session & Book Review 27 Desember 2021 Bank Muamalat
Bank 4.0 di Jakarta Indonesia
December 27,
2021 in Jakarta
3 Avianto Istihardjo Direktur Risk Management Certification 5 Juli 2021 via Bankers
Pembiayaan Refresher Program (Topic: Loan COVID online Association
Financing Director Restructuring after the Implementation July 5, 2021 via for Risk
of POJK 48 2020) online Management
November 19,
2021 in Jakarta
Seminar Akhir Riset OJK Institute – 16 Desember 2021 OJK/FSA
Tantangan Intermediasi Perbankan di di Jakarta
Era Pandemi
OJK Institute Research Final Seminar – December 16,
Challenges of Banking Intermediation 2021 in Jakarta
during the Pandemic

Waktu dan
Nama Peserta Tempat
Implementation
4 Awaldi Direktur Operasi Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Operations Management and Compliance (GRC) online Institute
Director Strategy for the Implementation of May 5, 2021, via
Compliance (GRC)
November 19,
2021 in Jakarta
5 Hery Syafril Direktur Keuangan Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Finance Director Management and Compliance (GRC) online Institute
Compliance (GRC)
November 19,
2021 in Jakarta
PSAK Terkini Sesuai Kovergensi IFRS 23-26 November Ikatan Akuntan
Latest PSAK According to IFRS 2021 di Jakarta Indonesia
Convergence November 23-26, Institute of
2021 in Jakarta Indonesian
Chartered
Accountants
6 Purnomo B. Direktur Bisnis Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Soetadi Ritel Management and Compliance (GRC) online Institute
Retail Banking Strategy for the Implementation of May 5, 2021, via
Director Governance, Risk Management and online
Compliance (GRC)
November 19,
2021 in Jakarta
7 Irvan Yulian Noor Chief Wholesale Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Banking Officer Management and Compliance (GRC) online Institute
Compliance (GRC)
November 19,
2021 in Jakarta
8 Riksa Prakoso Chief Human Persiapan Portofolio Sertifikasi MSDM 10 Februari 2021 LSP MSDM
Capital Officer HRM Certification Portfolio Preparation via online Indonesia
February 10, 2021
via online
Compliance (GRC)
November 19,
2021 in Jakarta

2021 Annual Report
Pengembangan Kompetensi Dewan Pengawas Syariah Competency Development of the Sharia Supervisory
Board
Waktu dan Tempat
Nama Peserta
Jabatan Jenis Pelatihan Penyelenggara Penyelenggara
No. Name of
Position Type of Training Time and Place of Organizer
Participant
Implementation
1 Drs. H. Sholahudin Ketua Dewan Pra Ijtima’ Sanawi 4 Oktober 2021 di DSN-MUI
Al Aiyub, M.Si Pengawas Syariah Jakarta
Chairman of Sharia October 4, 2021 in
Supervisory Board Jakarta
Ijtima’ Sanawi (Annual 2 Desember 2021 di DSN-MUI
Meeting) Jakarta
December 2, 2021 in
Jakarta
2 Hj. Siti Anggota Dewan Pra Ijtima’ Sanawi 4 Oktober 2021 di DSN-MUI
Haniatunnisa,LLB., Pengawas Syariah Jakarta
MH Member of Sharia October 4, 2021 in
Ijtima’ Sanawi (Annual 2-3 Desember 2021 di DSN-MUI
Meeting) Jakarta
December 2-3, 2021 in
Jakarta
3 Dr. H. Agung Anggota Dewan Sharia Banking Training for 13 Desember 2021 di Muamalat
Danarto, M.Ag* Pengawas Syariah Executive Jakarta Institute
Member of Sharia December 13, 2021 in
General Banking for 23 Desember 2021 di Muamalat
Executive Jakarta Institute
December 23, 2021 in
Jakarta
*)
Pengembangan Kompetensi Komite Audit Competency Development of the Audit Committee

Waktu dan
Nama Peserta Tempat
Implementation
1 Iggi Haruman Ketua Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Achsien Chairman Management and Compliance (GRC) online Institute
Compliance (GRC)

Pengembangan Kompetensi Komite Nominasi dan Competency Development of the Nomination and
Remunerasi Remuneration Committee
Waktu dan
Nama Peserta Tempat
Implementation
1 Ilham A. Habibie Ketua Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Chairman Management and Compliance (GRC) online Institute
Compliance (GRC)
2 Iggi Haruman Anggota Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Achsien Member Management and Compliance (GRC) online Institute
Compliance (GRC)
3 Edy Setiadi Anggota Efektivitas Pengawasan Dewan 25 Maret 2021 via Forum
Member Komisaris dalam Menjaga Kepatuhan online Komunikasi
Bank untuk Menuju Era Pengaturan Direktur
Principle Based Kepatuhan
The Effectiveness of Supervision March 25, 2021, Perbankan
of the Board of Commissioners in via online (FKDKP)
Maintaining Bank Compliance towards Communication
the Principle-Based Regulation Era Forum for
Director
of Banking
Compliance
(FKDKP)
Compliance (GRC)
4 Riksa Prakoso Anggota Persiapan Portofolio Sertifikasi MSDM 10 Februari 2021 LSP MSDM
Member HRM Certification Portfolio via online Indonesia
Preparation February 10, 2021,
via online
Compliance (GRC)
November 19,
2021 in Jakarta

2021 Annual Report
Pengembangan Kompetensi Komite Pemantau Risiko Competency Development of the Risk Oversight
Committee
Waktu dan
Nama Peserta Tempat
Implementation
1 Edy Setiadi Ketua Efektivitas Pengawasan Dewan 25 Maret 2021 via Forum
Chairman Komisaris dalam Menjaga Kepatuhan online Komunikasi
Bank untuk Menuju Era Pengaturan March 25, 2021, Direktur
Principle Based via online Kepatuhan
The Effectiveness of Supervision Perbankan
of the Board of Commissioners in (FKDKP)
Maintaining Bank Compliance towards Communication
the Principle-Based Regulation Era Forum for
Director
of Banking
Compliance
(FKDKP)
Compliance (GRC)
2 Ilham Akbar Anggota Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Habibi Member Management and Compliance (GRC) online Institute
Compliance (GRC)
Pengembangan Kompetensi Komite Tata Kelola Competency Development of the Corporate Governance
Perusahaan Committee
Waktu dan
Nama Peserta Tempat
Implementation
1 Ilham A. Habibie Ketua Strategi Penerapan Governance, Risk 5 Mei 2021 via Muamalat
Chairman Management and Compliance (GRC) online Institute
Compliance (GRC)
2 Drs. H. Anggota Pra Ijtima’ Sanawi 4-5 Oktober 2021 DSN-MUI
Sholahudin Al Member di Jakarta
Aiyub, M.Si October 4-5, 2021
in Jakarta
Ijtima’ Sanawi (Annual Meeting) 2-3 Desember DSN-MUI
2021 di Jakarta
December 2-3,
2021 in Jakarta
Pengembangan Kompetensi Sekretaris Perusahaan Corporate Secretary Competency Development

Waktu dan Tempat
Nama Peserta
Name of
Participant
Implementation
Hayunaji Head of Corporate POJK tentang Laporan Tahunan 25 Febuari 2021 via Indonesia
Affairs/Cororate Emiten atau Perusahaan Publik (POJK online Corporate
Secretary No. 29/2016 & SEOJK No.30/2016) February 25, 2021, Secretary
POJK on the Annual Report of Issuers or via online Association
Public Companies (POJK No. 29/2016 &
SEOJK No. 30/2016)
Refreshment Muamalat Internal 15 Maret 2021 di Bank Muamalat
Certification (MiC) – Anti Fraud Jakarta Indonesia
March 15, 2021 in
Jakarta

Waktu
Corporate Secretary dan Tempat
Competency Development
Nama Peserta
Name of
Participant
Implementation
Certification (MiC) – APU PPT Jakarta Indonesia
March 15, 2021 in
Jakarta
Certification (MiC) – Basic Risk Awareness Jakarta Indonesia
March 15, 2021 in
Jakarta
Certification (MiC) – Basic Sharia Banking Jakarta Indonesia
March 15, 2021 in
Jakarta
Certification (MiC) – Code Of Conduct Jakarta Indonesia
March 15, 2021 in
Jakarta
Certification (MiC) – Corporate Values Jakarta Indonesia
March 15, 2021 in
Jakarta
Penguatan Tata Kelola di Pasar Modal 18 Maret 2021 di Lembaga
Strengthening of Governance in the Jakarta Pengembangan
Capital Market March 18, 2021 in Perbankan
Jakarta Indonesia
Indonesian
Banking
Development
Institution
Hayunaji Head of Corporate Be More Persuasive in Digital Era 30 Maret 2021 via Indonesia
Affairs/Cororate through the Right Public Speaking online Corporate
Secretary March 30, 2021 via Secretary
online Association
Optimizing MS Office 365 4 Mei 2021 via online Bank Muamalat
May 4, 2021 via Indonesia
online
Strategi Penerapan Governance, Risk 5 Mei 2021 via online Muamalat
Management and Compliance (GRC) May 5, 2021, via Institute
Strategy for the Implementation of online
Governance, Risk Management and
Compliance (GRC)
Pendalaman POJK No. 15/POJK.04/2020 27 Mei 2021 via Indonesia
tentang Rencana dan Penyelenggaraan online Corporate
RUPS Perusahaan Terbuka & POJK No. May 27, 2021 via Secretary
16/POJK.04/2020 tentang Pelaksanaan online Association
RUPS Perusahaan Terbuka secara
Elektronik
POJK No. 15/POJK.04/2020 on GMS
Plans and Implementation of Public
Companies & POJK No. 16/POJK.04/2020
on the Electronic GMS Implementation
of Public Companies
Meningkatkan Efektivitas Program 3 Juni 2021 via online Lembaga
Pemulihan Ekonomi Nasional June 3, 2021 via Pengembangan
Improving the Effectiveness of the online Perbankan
National Economic Recovery Program Indonesia
Indonesian
Banking
Development
Institution

2021 Annual Report
Waktu dan Tempat

Nama Peserta
Name of
Participant
Implementation
Pendalaman POJK No. 3/POJK. 04/ 2021 23 Juni 2021 via Indonesia
tentang Penyelenggaraan Kegiatan di online Corporate
Bidang Pasar Modal June 23, 2021 via Secretary
POJK No. 3/POJK. 04/2021 on the online Association
Implementation of Activities in the
Capital Market Sector
Pendalaman POJK No. 17/POJK.04/2020 22 Juli 2021 di via Indonesia
tentang Transaksi Material dan online Corporate
Perubahan Kegiatan Usaha July 22, 2021 via Secretary
POJK No. 17/POJK.04/2020 on Material online Association
Transactions and Changes in Business
Activities
Stock Split, Dividen Saham Saham Bonus, 19 Agustus 2021 via Indonesia
dan Buyback Saham online Corporate
Stock Split, Bonus Stock Dividend and August 19, 2021 via Secretary
Stock Buyback online Association
Sustainability Action for the Future 23 Agustus 2021 via Katadata
Economy 2021 online
August 23, 2021 via
online
Muamalat Internal Certification (MiC) – 13 September 2021 Bank Muamalat
Penanganan COVID-19 BMI di Jakarta Indonesia
Muamalat Internal Certification (MiC) – September 13, 2021
Handling of COVID-19 of BMI in Jakarta
Corporate Action - HMETD, Non HMETD 22 Oktober 2021 via Indonesia
& Initial Public Offering online Corporate
October 22, 2021 via Secretary
online Association
Leading & Digital Transformation 2 November 2021 di Muamalat
Jakarta Institute
November 2, 2021 in
Jakarta
Tata Kelola Komunikasi Corporate 9 November 2021 di Indonesia
Secretary di tengah Direksi dan Dewan Jakarta Corporate
Komisaris November 9, 2021 in Secretary
Corporate Secretary Communication Jakarta Association
Governance with the Board of Directors
and the Board of Commissioners
November 19, 2021
in Jakarta
Peran CRO (Chief Risk Officer) 25 November 2021 Lembaga
Membangun Tata Kelola, Manajemen via online Pengembangan
Risiko dan Kepatuhan menuju Kinerja November 25, 2021 Perbankan
Berprinsip via online Indonesia
The Role of CRO (Chief Risk Officer) in Indonesian
Building Governance, Risk Management, Banking
and Compliance towards Principled Development
Performance Institution
Town Hall Meeting 29 November 2021 Bank Muamalat
November 29, 2021
in Jakarta

Waktu dan Tempat

Nama Peserta
Name of
Participant
Implementation
Peluncuran dan Bedah Buku Bunga 16 Desember 2021 Pengurus DPP
Rampai: 30 Tahun Ekonomi Syariah December 16, 2021 IAEI, DPW IAEI
Indonesia DKI Jakarta
Book Launch and Review: 30 Years of dan PT Sarana
Indonesian Sharia Economics Multigriya
Finansial
(Persero)
Management of
DPP IAEI, DPW
IAEI DKI Jakarta,
and PT Sarana
Multigriya
Finansial
(Persero)
Senior Management Forum 27 Desember 2021 Bank Muamalat
via online Indonesia
December 27, 2021
via online
Pengembangan Kompetensi Unit Audit Internal Competency Development of the Internal Audit
Committee
Waktu dan Tempat
Nama Peserta
Name of
Participant
Implementation
Riva Yan Abdillah Head of Internal Induction Training 9 Februari 2021 via online Bank Muamalat
Audit February 9, 2021 via online Indonesia
Muamalat Internal Certification (MiC) 1 Maret 2021 di Jakarta Bank Muamalat
– Basic Risk Awarness March 1, 2021 in Jakarta Indonesia
– Code of Conduct March 1, 2021 in Jakarta Indonesia
– Corporate Values March 1, 2021 in Jakarta Indonesia
Muamalat Internal Certification 1 Maret 2021 di Jakarta Bank Muamalat
(MiC) – Anti Fraud March 1, 2021 in Jakarta Indonesia
Essential of Internal Audit – Online 1 Maret 2021 di Jakarta Muamalat
March 1, 2021 in Jakarta Institute
(MiC) – APU PPT March 1, 2021 in Jakarta Indonesia
(MiC) – Intermediate Sharia Banking March 3, 2021 in Jakarta Indonesia
Sharia Banking for Executive 13 April 2021 via online Muamalat
April 13, 2021 via online Institute
Optimizing MS Office 365 4 Mei 2021 via online Bank Muamalat
May 4, 2021 via online Indonesia
Management and Compliance (GRC) May 5, 2021 via online Institute
Strategy for the Implementation of
Governance, Risk Management and
Compliance (GRC)
Leading & Digital Transformation 2 September 2021 di Bank Muamalat
Jakarta Indonesia
September 2, 2021 in
Jakarta
Muamalat Internal Certification (MiC) 14 September 2021 di Bank Muamalat
– Penanganan COVID-19 BMI Jakarta Indonesia
Muamalat Internal Certification September 14, 2021 in
(MiC) – Handling of COVID-19 of BMI Jakarta
IT Risk Based Audit 7 Oktober 2021 di Jakarta Bank Muamalat
October 7, 2021 in Jakarta Indonesia

2021 Annual Report
Waktu dan Tempat

Nama Peserta
Name of
Participant
Implementation
Senior Management Forum 19 November 2021 di Bank Muamalat
Jakarta Indonesia
November 19, 2021 in
Jakarta
Town Hall Meeting 29 November 2021 di Bank Muamalat
Jakarta Indonesia
November 29, 2021 in
Jakarta
Senior Management Forum 27 Desember 2021 via Bank Muamalat
online Indonesia
December 27, 2021 via
online
Pengembangan Kompetensi Departemen Manajemen Competency Development of the Risk Management

Risiko Department
Waktu dan Tempat
Nama Peserta
Name of
Participant
Implementation
Catur Andayani Head of Integrated Pelatihan Asesor Kompetensi 4 Febuari 2021 di Jakarta Lembaga
Risk Management Keuangan Syariah February 4, 2021 in Jakarta Sertifikasi
Sharia Financial Competency Profesi
Assessor Training Keuangan
Syariah
Sharia Finance
Professional
Certification
Institute
Banjir & Penanggulangannya 3 Maret 2021 via online Muamalat
Flood & Its Management March 3, 2021 via online Institute
Refreshment Muamalat Internal 3 Maret 2021 di Jakarta Bank Muamalat
Certification (MiC) – Basic Risk March 3, 2021 in Jakarta Indonesia
Awareness
Certification (MiC) – Code of Conduct March 3, 2021 in Jakarta Indonesia
Certification (MiC) – Corporate March 3, 2021 in Jakarta Indonesia
Values
Certification (MiC) – Anti Fraud March 4, 2021 in Jakarta Indonesia
Refreshment of Muamalat Internal 4 Maret 2021 di Jakarta Bank Muamalat
Certification (MiC) – AML CFT March 4, 2021 in Jakarta Indonesia
Certification (MiC) – Basic Sharia March 19, 2021 in Jakarta Indonesia
Banking
Implementation Strategy of
Governance Risk Management, and
Compliance (GRC)
Muamalat Internal Certification (MiC) 5 Juli 2021 di Jakarta Bank Muamalat
– Penanganan COVID-19 BMI July 5, 2021 in Jakarta Indonesia
Muamalat Internal Certification (MiC)
– COVID-19 Handling of BMI
Leading & Digital Transformation 2 September 2021 di Jakarta Bank Muamalat
September 2, 2021 in Indonesia
Jakarta
Business Corner 9 September 2021 via online Bank Muamalat
September 9, 2021 via Indonesia
online

Waktu dan Tempat

Nama Peserta
Name of
Participant
Implementation
Turn Back Crime & Banking Fraud 8 November 2021 via online Bank Muamalat
November 8 2021 via online Indonesia
Senior Management Forum 19 November 2021 via Bank Muamalat
online Indonesia
November 19, 2021 via
online
Town Hall Meeting 3 Desember 2021 di Jakarta Bank Muamalat
December 3, 2021 in Jakarta Indonesia
Senior Management Forum 27 Desember 2021 via Bank Muamalat
online Indonesia
December 27, 2021 via
online
Pengembangan Kompetensi Satuan Kerja Kepatuhan Competency Development of the Compliance Unit
Waktu dan Tempat
Nama Peserta
Name of
Participant
Implementation
Dyah Ekowati Head of Refreshment Muamalat Internal 13 Februari 2021 di Jakarta Bank Muamalat
Compliance Certification (MiC) – Anti Fraud February 13, 2021 in Jakarta Indonesia
Refreshment Muamalat Internal 13 Februari 2021 di Jakarta Bank Muamalat
Certification (MiC) – APU PPT February 13, 2021 in Jakarta Indonesia
Certification (MiC) – Basic Risk February 13, 2021 in Jakarta Indonesia
Awareness
Certification (MiC) – Code of February 13, 2021 in Jakarta Indonesia
Conduct
Certification (MiC) – Corporate February 13, 2021 in Jakarta Indonesia
Values
Certification (MiC) – Basic Sharia March 19, 2021 in Jakarta Indonesia
Banking
Aspek Legal Implementasi 7 April 2021 via online Bank Muamalat
Pengikatan melalui Digital Media April 7, 2021 via online Indonesia
Legal Aspects of Binding
Implementation through Digital
Media
Implementation Strategy of
Governance Risk Management, and
Compliance (GRC)
Muamalat Internal Certification 28 Juli 2021 di Jakarta Bank Muamalat
(MiC) – Penanganan COVID-19 BMI July 28, 2021 in Jakarta Indonesia
Muamalat Internal Certification
(MiC) – COVID-19 Handling of BMI
Leading & Digital Transformation 2 September 2021 di Jakarta Bank Muamalat
September 2, 2021 in Indonesia
Jakarta
Business Corner 9 September 2021 via online Bank Muamalat
September 9, 2021 via Indonesia
online
Senior Management Forum 19 November 2021 via Bank Muamalat
online Indonesia
November 19, 2021 via
online
Town Hall Meeting 3 Desember 2021 di Jakarta Bank Muamalat
December 3, 2021 in Jakarta Indonesia

2021 Annual Report
Informasi Pemegang Saham Utama dan

Pengendali
Information on Major and Controlling Shareholders
Berikut informasi singkat mengenai Pemegang Saham The following is brief information regarding the Bank’s Major
Utama Bank: Shareholders:
Badan Pengelola Keuangan Haji (BPKH) – Hajj Financial Management Agency (BPKH) –
82,65% 82.65%
Nama
Badan Pengelola Keuangan Haji (BPKH) Hajj Financial Management Agency (BPKH)
Name
Tahun Pendirian 2017 2017
Year of Establishment
Dasar Hukum • Undang-Undang Republik Indonesia No. 34 • Law of the Republic of Indonesia No. 34 of
Pendirian tahun 2014 tentang Pengelolaan Keuangan 2014 on Management of Hajj Financial
Legal Basis for Haji
Establishment • Peraturan Presiden Republik Indonesia • Regulation of the President of the Republic of
No. 110 tahun 2017 tentang Badan Pengelola Indonesia No. 110 of 2017 on Hajj Financial
Keuangan Haji Management Agency
• Peraturan Pemerintah No. 5 tahun 2018 • Government Regulation No. 5 of 2018 on the
tentang Pelaksanaan Undang-Undang No. 34 Implementation of Law No. 34 of 2014 on
tahun 2014 tentang Pengelolaan Keuangan Management of Hajj Financial
Haji
Bidang Usaha Pengelolaan Keuangan Haji Management of Hajj Financial
Line of Business
Alamat Berkantor pusat di Menara Bidakara 1, lantai 5 Head office at Menara Bidakara 1, 5th Floor,
Address Jl. Gatot Subroto Kav. 71-73, Pancoran, Jakarta Jalan Gatot Subroto, Kav. 71-73 Pancoran,
Selatan 12870, Indonesia South Jakarta 12870, Indonesia
Visi dan Misi
Vision and Mission
Visi BPKH berkomitmen menjadi lembaga BPKH is committed to become a trusted
Vision pengelola keuangan terpercaya yang financial management institution that provides
memberikan nilai manfaat optimal bagi optimal value for pilgrims and the benefit of
jemaah haji dan kemaslahatan umat the Ummah
Misi • Membangun kepercayaan melalui • Building trust through the management of a
Mission pengelolaan sistem keuangan yang transparent and modern financial system
transparan dan modern
• Meningkatkan efisiensi dan rasionalitas BPIH • Improving the efficiency and rationality of
melalui kerja sama strategis BPIH through strategic cooperations
• Melakukan investasi pada imbal hasil • Invest in optimal returns with sharia
yang optimal dengan prinsip syariah dan principles and taking into account the aspects
mempertimbangkan aspek keamanan, of security, prudence, and professionalism
kehati-hatian dan profesionalitas
• Menciptakan tata kelola dan sistem kerja • Creating a comprehensive and accountable
yang komprehensif dan akuntabel dengan governance and work system by developing
mengembangkan SDM yang berintegritas HC with integrity and professionalism
dan profesional
• Memberikan kemaslahatan untuk • Provide benefits to improve the welfare of
meningkatkan kesejahteraan umat the people.

Struktur Organisasi Berdasarkan Perpres No. 110 tahun 2017 Based on Presidential Decree No. 110 of 2017
Organisation Structure tentang Badan Pengelola Keuangan Haji, on the Hajj Financial Management Agency,
organ BPKH terdiri atas Badan Pelaksana yang the BPKH organ consists of an Implementing
paling sedikit terdiri atas lima orang anggota Agency consisting of at least five professional
yang berasal dari unsur profesional dan members and a Supervisory Board consisting
Dewan Pengawas yang terdiri atas tujuh orang of seven professional and Governmental
anggota yang berasal dari unsur profesional members
dan Pemerintah
Ir. Andre Mirza Hartawan, MBA – 5,19% Ir. Andre Mirza Hartawan, MBA – 5.19%
Komisaris Bank Muamalat dan Pemegang saham Commissioner of Bank Muamalat and individual
perorangan. Menjadi pemegang saham Bank Muamalat shareholders. Became a shareholder of Bank Muamalat
Indonesia sejak tahun 2015. Indonesia since 2015.
Pemegang Saham Lainnya – 12,16% Other Shareholders – 12.16%

Pemegang saham lainnya yang memegang 12,16% Other shareholders, with 12.16% ownership of Bank
kepemilikan Bank Muamalat Indonesia merupakan badan Muamalat Indonesia are business entities or individuals with
usaha maupun perorangan dengan masing-masing less than 5% share ownership each. Other shareholders are
kepemilikan saham kurang dari 5%. Pemegang saham legal entities and individuals spread throughout Indonesia.
lainnya berbadan hukum maupun perorangan yang tersebar
di seluruh Indonesia.
KOMPOSISI PEMEGANG SAHAM SHAREHOLDERS COMPOSITION
Hingga diterbitkannya laporan ini, komposisi kepemilikan Until the publication of this report, the composition of share
saham PT Bank Muamalat Indonesia Tbk adalah ownership in PT Bank Muamalat Indonesia Tbk is as follows:
sebagai berikut:
Persentase Kepemilikan
Nama Pemegang Saham Jumlah Saham (lembar)
Status Percentage of Ownership
Name of Shareholders Number of Shares (pages)
(%)
Badan Pengelola Keuangan Haji Lokal | Local 41.342.059.345 82,65
Ir. Andre Mirza Hartawan, MBA Lokal | Local 2.596.550.000 5,19
Apliani Lokal | Local 1.240.275.697 2,48
Reza Rhenaldi Syaiful Lokal | Local 1.093.585.191 2,19
Dewi Monita Lokal | Local 1.092.225.000 2,18
Islamic Development Bank Lokal | Local 1.020.770.234 2,04
Andre Latidjah Lokal | Local 622.387.163 1,24
Siti Farida Syaiful Lokal | Local 182.000.000 0,36
Syaiful Amir Lokal | Local 170.075.313 0,34
Koperasi Perkayuan Apkindo – MPI Lokal | Local 142.012.245 0,28
(Kopkapindo)
Masyarakat (masing-masing <5%) Lokal | Local 515.801.254 1,05
Public (each <5%)
Jumlah Modal Ditempatkan dan Disetor Penuh 50.017.741.442 100,00
Total Issued and Paid Up Capital
Saham dalam Portepel 33.155.609.383
Shares in Portfolio
Total 83.173.350.825

2021 Annual Report
Kelompok Pemegang Saham 5% dan/atau Lebih Shareholders Group of 5% and/or More Share
Ownership
Nama Pemegang Saham Jumlah Kepemilikan
Percentage of Ownership
Name of Shareholder Number of Ownership
(%)
Badan Pengelola Keuangan Haji 41.342.059.345 82,65
Ir. Andre Mirza Hartawan, MBA 2.596.550.000 5,19
Kelompok Pemegang Saham Kurang dari 5% Shareholders Group with Less than 5% Share
Ownership
Nama Pemegang Saham Jumlah Saham (lembar)
Status Percentage of Ownership
Name of Shareholders Number of Shares (pages)
(%)
Apliani Lokal | Local 1.240.275.697 2,48
Reza Rhenaldi Syaiful Lokal | Local 1.093.585.191 2,19
Dewi Monita Lokal | Local 1.092.225.000 2,18
Islamic Development Bank Lokal | Local 1.020.770.234 2,04
Andre Latidjah Lokal | Local 622.387.163 1,24
Siti Farida Syaiful Lokal | Local 182.000.000 0,36
Syaiful Amir Lokal | Local 170.075.313 0,34
Koperasi Perkayuan Apkindo – MPI Lokal | Local 142.012.245 0,28
(Kopkapindo)
Masyarakat (masing-masing <5%) Lokal | Local 142.012.245 0,28
Public (each <5%)
Jumlah Modal Ditempatkan dan Disetor Lokal | Local 515.801.254 1,05
Penuh
Total Issued and Paid Up Capital
Kepemilikan Saham Dewan Komisaris (Secara Share Ownership of the Board of Commissioners
Langsung) (Direct)
Jumlah Persentase
Kepemilikan Kepemilikan
Pemegang Saham Jabatan
Saham Percentage of
Shareholder Position
Number of Ownership
Ownership (%)
Ir. Andre Mirza Hartawan, MBA*) Komisaris 2.596.550.000 5,19
Commissioner
*)
Kepemilikan Saham Direksi Share Ownership of the Board of Directors

Jumlah Persentase
Kepemilikan Kepemilikan
Pemegang Saham Jabatan
Saham Percentage of
Shareholder Position
Number of Ownership
Ownership (%)
Andri Donny Direktur Kepatuhan, Risiko, dan Hukum 15.415 0,0001510
Kepemilikan Saham Dewan Komisaris dan Direksi Share Ownership of the Board of Commissioners
(Secara Tidak Langsung) and the Board of Directors (Indirect)
Seluruh Dewan Komisaris dan Direksi Bank tidak ada yang None of the Board of Commissioners and Board of Directors
memiliki saham BMI secara tidak langsung. of the Bank owns BMI shares indirectly.

Pemegang Saham berdasarkan Klasifikasi Shareholders by Clasification

Jumlah Persentase
Jumlah
Pemegang Kepemilikan
Kepemilikan
Kelompok Saham Percentage of Group
Number of
Number of Ownership
Ownership
Shareholders (%)
Lokal Local
Individu 337.145 7.281.697.418 14,55 Individual
Badan Usaha Business Entity
Pemerintah Daerah 495 4.565.715 0,00 Regional Government
Koperasi 769 148.221.700 0,29 Cooperative
Yayasan 110 85.552.570 0,17 Foundation
Dana Pensiun 15 85.552.570 0,17 Pension Fund
Asuransi 6 11.189.810 0,02 Insurance
Bank 14 20.468.020 0,04 Bank
Perseroan Terbatas 225 15.335.310 0,03 Limited Liabilities Company
Badan Usaha Lainnya 114 41.343.955.300 82,65 Other Business Entity
Jumlah Saham 338.893 9.186.932.101 97,95 Number of Shares
Asing Foreign
Individu – – – Individual
Badan Usaha 1 1.020.770234 2,04 Business Entity
Jumlah Saham 1 1.020.770234 2,04 Number of Shares
Jumlah 338.899 10.207.702.335 100,00 Total

2021 Annual Report
Kronologi Pencatatan Saham

Share Listing Chronology
Berikut adalah kronologi penerbitan/pencatatan saham The following is the chronology of the issuance/listing of
PT Bank Muamalat Indonesia Tbk. shares of PT Bank Muamalat Indonesia Tbk.
Jumlah Saham Nilai Nominal Bursa

Tahun Aksi Korporasi Baru Saham Tanggal Efektif Efek
Year Corporate Action Number of Nominal Value Efective Date Stock
Shares (Rp) Exchange
1993 Penawaran Umum Saham Perdana 2.489.090 1.000 28 Oktober 1993 Non Listed
Initial Public Offering October 28, 1993
1998 Penawaran Umum Terbatas I Seri Saham B 172.504.936 1.000 19 Juni 1998 Non Listed
dengan Hak Memesan Efek Terlebih Dahulu
Limited Public Offering I Series B Shares with
Pre-emptive Rights June 19, 1998
2002 Penawaran Umum Terbatas II Seri Saham C 208.727.863 500 15 November 2002 Non Listed
Limited Public Offering II Series C Shares with
Pre-emptive Rights November 15, 2002
2005 Penawaran Umum Terbatas III Seri Saham C 446.194.051 500 26 April 2005 Non Listed
Limited Public Offering III Series C Shares with
Pre-emptive Rights April 26, 2005
2010 Penawaran Umum Terbatas IV Seri Saham C 820.251.749 500 28 Juni 2010 Non Listed
Limited Public Offering IV Series C Shares with
Pre-emptive Rights June 28, 2010
2011 Pembagian Saham Bonus (Rasio 15:1) 78.352.338 500 26 Mei 2011 Non Listed
Distribution of Bonus Shares (Ratio 15: 1)
May 26, 2011
2012 Pemecahan Nilai Saham/Stock Split 7.391.784.490 Saham Seri A Rp200 21 November 2012 Non Listed
• Saham Seri A dan B (Rp1.000) menjadi Saham Saham Seri B Rp100
Seri A (Rp200)
• Saham Seri C (Rp500) menjadi Saham Seri B
(Rp100)
Stock Split
• Series A and B Shares (Rp1,000) to become Series A Shares
Series A Shares (Rp200) Rp200
• Series C Shares (Rp500) to become Series B Series B Shares
Shares (Rp100) Rp100 November 21, 2012
2013 Penawaran Umum Terbatas V Saham Seri B 2.815.917.885 100 7 November 2013 Non Listed
Limited Public Offering V Series B Shares with
Pre-emptive Rights November 7, 2013
2021 Penawaran Umum Terbatas dalam rangka 39.810.039.107 30 16 Desember 2021 Non Listed
Penambahan Modal dengan Memberikan
Hak Memesan Efek Terlebih Dahulu VI
(PMHMETD VI) December 16, 2021
Limited Public Offering for Capital Increase By
Providing Pre-emptive Rights VI (PMHMETD VI)

Kronologi Pencatatan Efek Lainnya

Chronology of Listing of Other Securities
– Bank Mumalat Indonesia menenerbitkan Sukuk – Bank Muamalat Indonesia issued the Bank Muamalat
Mudharabah Berkelanjutan I Tahap I Bank Muamalat Indonesia Sustainable Sukuk Mudharabah I Phase I 2012
Indonesia Tahun 2012 dan telah dilakukan opsi beli pada and exercised its buy option in June 2017.
Juni 2017.
– Bank Muamalat menerbitkan Sukuk Mudharabah – Bank Muamalat issued Bank Muamalat I Phase II
Berkelanjutan I Tahap II Bank Muamalat Tahun 2013 Sustainable Sukuk Mudharabah in 2013 and exercised a
dan telah dilakukan opsi beli pada Maret 2018 sehingga buy option in March 2018 so that all obligations to the
seluruh kewajiban terhadap sukuk tersebut telah selesai. sukuk had been completed.
Sedangkan untuk yang belum jatuh tempo, disampaikan As for those that have not yet matured are presented in the
dalam tabel di bawah ini: following table:
Nisbah
Pemegang Peringkat
Nama Efek Tahun Tanggal Jatuh
Sukuk Harga Penawaran Efek
Name of Penerbitan Tempo
Pre-detemined Offering Price Securities
Securities Date of Issuance Maturity Date
Ratio of Sukuk Rating
Holders
Sukuk 2021 50,72% dari 15 November 2041 100% dari jumlah dana Non-rating
Mudharabah Pendapatan sukuk Mudharabah
Bank Muamalat 50.72% of November 15, 2041 100% of the total sukuk
Indonesia Revenue Mudharabah Funds
Sukuk 2018 - 29 Juni 2038 100% dari jumlah dana Non-rating
Subordinasi sukuk Mudharabah
Mudharabah June 29, 2038 100% of the total sukuk
Trust Certificate Mudharabah Funds
Mediun Term 2017 23,75% dari 21 Juli 2022 100% dari jumlah dana Non-rating
Notes Syariah Pendapatan sukuk Mudharabah
Subordinasi 23,75% of July 21, 2022 100% of the total sukuk
Revenue Mudharabah Funds

2021 Annual Report
Struktur Grup Perusahaan

Company Group Structure
BPKH
82,7%
Ir. Andre Mirza Hartawan, Pemegang Saham Lainnya

MBA Other Shareholders
5,2% 12,1%
100,00%
PT Al Ijarah Indonesia PT Syarikat Takaful Dana Pensiun Lembaga

Finance (ALIF) Indonesia Baitulmaal Keuangan (DPLK) Muamalat Muamalat
Muamalat Muamalat Financial Institution Institute
47,86% 5,91% Pension Fund (DPLK)

Profil Entitas Anak dan Entitas Asosiasi

Profile of Subsidiaries and Associates
Bank Mualamat Indonesia memiliki lima entitas anak yakni PT Bank Mualamat Indonesia has five subsidiaries, namely
Al Ijarah Indonesia Finance (ALIF), Baitulmaal Muamalat, Dana PT Al Ijarah Indonesia Finance (ALIF), Baitulmaal Muamalat,
Pensiun Lembaga (DPLK) Muamalat, Muamalat Institute, dan Muamalat Pension Fund (DPLK), Muamalat Institute, and PT
PT Syarikat Takaful Indonesia. Berikut ialah profil singkat dari Syarikat Takaful Indonesia. The following is a brief profile of
masing-masing entitas anak tersebut: each of these subsidiaries:
1. PT AL IJARAH INDONESIA FINANCE (ALIF) 1. AL-IJARAH INDONESIA FINANCE

ALIF merupakan perusahaan keuangan syariah yang ALIF is a sharia-based financial company that was
didirikan untuk memenuhi kebutuhan pembiayaan established to meet the financial needs of the
keuangan masyarakat Indonesia. Pada mulanya, ALIF Indonesian people. Initially, Its purpose was to serve
ditujukan untuk melayani kebutuhan pembiayaan bagi the financing needs of the Indonesian and Southeast
komunitas bisnis Indonesia dan Asia Tenggara dengan Asian business communities by offering a minimum
menawarkan pembiayaan minimal sebesar Rp2 miliar per financing of Rp2 billion per transaction and financial
transaksi dan jasa konsultasi keuangan. consulting services.
Namun sayangnya, krisis ekonomi global yang Unfortunately, the global economic crisis that hit in
dimulai tahun 2010 lalu telah mendorong ALIF untuk 2010 prompted ALIF to shift its business focus to retail
mengubah fokus bisnis pada pembiayaan ritel. Selain financing. In addition to increasing funding sources, the
untuk meningkatkan sumber pendanaan, fokus bisnis new business focus is also aimed to take advantage of
baru tersebut juga untuk mengambil manfaat dari the huge growth in the consumption sector in Indonesia
pertumbuhan sektor konsumsi yang sangat besar di today and in the future.
Indonesia dewasa ini dan di masa mendatang.
Kini, beragam jenis produk pembiayaan ditawarkan Nowadays, ALIF offers various types of financing products,
oleh ALIF, mulai dari pembiayaan komersial untuk ranging from commercial financing to investing in capital
investasi barang modal untuk keperluan usaha seperti goods for business purposes such as machinery and heavy
mesin dan alat berat maupun pembiayaan konsumtif equipment as well as consumer financings (retail) such
(ritel) seperti mobil dan sepeda motor. Semua produk as cars and motorbikes. All of these financing products
pembiayaan tersebut mengacu pada prinsip keuangan refer to the principles of sharia finance using the ijarah
syariah dengan menggunakan skema pembiayaan ijarah muntahia bittamlik (lease and purchase) and murabahah
muntahia bittamlik (sewa dan beli), dan murabahah (jual (buy and sell) financing schemes. ALIF was established
dan beli). ALIF didirikan pada bulan November 2006 di in November 2006 in Jakarta, ALIF started operations
Jakarta, ALIF memulai operasionalnya pada tanggal 27 on August 27, 2007. The initial paid-up capital was
Agustus 2007. Adapun modal awal yang disetorkan ialah Rp105 billion, which was placed equally by three leading
sebesar Rp105 miliar, yang ditempatkan sama rata oleh Indonesian and Middle Eastern financial institutions,
tiga lembaga keuangan terkemuka Indonesia dan Timur namely Bank Muamalat Indonesia, Bank Boubyan Kuwait,
Tengah, yaitu Bank Muamalat Indonesia, Bank Boubyan International Leasing & Investment Company (ILIC).
Kuwait, International Leasing & Investment Company Currently, the main shareholders of PT Al Ijarah Indonesia
(ILIC). Adapun saat ini pemegang saham utama dari Finance (ALIF) have changed with the majority ownership
PT Al Ijarah Indonesia Finance (ALIF) telah berubah dengan owned by local shareholders.
kepemilikan mayoritas adalah pemegang saham lokal.
2. BAITULMAAL MUAMALAT (BMM) 2. BAITULMAAL MUAMALAT (BMM)

(lisensi sebagai Nazir Waqaf) (license as Nazir Waqaf)
Sejak tahun 1994, Bank Muamalat Indonesia telah In 1994, Bank Muamalat Indonesia formed a Zakat, Infaq,
membentuk unit pengelola dana Zakat, Infak, dan and Alms (ZIS) fund management unit, as well as a charity
Sedekah (ZIS), serta dana sosial kebajikan yang kemudian fund which was later called Baitulmaal. The unit which
disebut Baitulmaal. Unit yang awalnya didirikan atas dasar was originally founded on the basis of the responsibility

2021 Annual Report
tanggung jawab Bank Muamalat Indonesia terhadap of Bank Muamalat Indonesia towards micro- economic
pemberdayaan ekonomi mikro ini, diresmikan sebagai empowerment, was officially inaugurated on June 16,
yayasan Baitulmaal Muamalat pada tanggal 16 Juni 2000. 2000 as the Baitulmaal Muamalat foundation.
Sejalan dengan tuntutan dan kebutuhan masyarakat akan In line with the demands of the community for an
lembaga amil zakat yang independen dan profesional independent and professional amil zakat institution, and
serta UU No. 38 tahun 1999, pada tanggal 22 Desember Law No. 38 of 1999, on December 22, 2000 the Baitulmaal
2000 badan hukum Yayasan Baitulmaal Muamalat Muamalat Foundation was confirmed as a national
dikukuhkan sebagai lembaga amil zakat nasional oleh amil zakat institution by the Minister of Religion of the
Menteri Agama Republik Indonesia. Selanjutnya BMM Republic of Indonesia. Furthermore, BMM was confirmed
dikukuhkan sebagai Lembaga Nazhir Waqaf berdasarkan as a Nazhir Waqaf Institution based on the Certificate
Surat Tanda Bukti Pendaftaran Nazhir Badan Waqaf of Registration of Nazhir Waqaf Agency Indonesia No.
Indonesia No. 3.3.0000.6 tertanggal 29 Januari 2018. 3.3.0000.6 dated January 29, 2018.
Baitulmaal Muamalat memiliki 3 (tiga) aspek fokus Baitulmaal Muamalat focuses its activities in three aspects,
kegiatan, yakni: namely:
a. Mengelola dana-dana sosial sesuai prinsip syariah a. Managing social funds according to Islamic sharia
Islam. principles.
b. Mengembangkan komunitas yang mandiri, tumbuh b. Developing an independent, growing and
dan berkarakter. characterized community.
c. Menjadi mediator pengembangan usaha dan lembaga c. Becoming a business development mediator and
keuangan mikro syariah. Sharia microfinance institution.
Kegiatan-kegiatan tersebut dijalankan dengan These activities are carried out by functioning and utilizing
memfungsikan dan memanfaatkan jaringan kantor the Bank Muamalat Indonesia service office network
layanan Bank Muamalat Indonesia yang tersebar di seluruh which is spread throughout Indonesia. Baitulmaal
wilayah Nusantara, Indonesia. Baitulmaal Muamalat Muamalat has gained the trust of the international
telah mendapat kepercayaan dari badan internasional institution such as the Islamic Development Bank and
seperti Islamic Development Bank dan menjadi model has become a model of empowerment in Indonesia that
pemberdayaan di Indonesia yang menjalankan fungsi carries out the Corporate Social Responsibility function of
Corporate Social Responsibility Bank Muamalat Indonesia. Bank Muamalat Indonesia.
3. DPLK MUAMALAT 3. DPLK MUAMALAT

Dana Pensiun Lembaga Keuangan (DPLK) Muamalat Muamalat Financial Institution Pension Fund (DPLK)
menawarkan kemudahan perencanaan keuangan offers the convenience of future financial planning for
masa depan bagi karyawan maupun pekerja mandiri. employees and independent workers. The management
Pengelolaan dana nasabah dilakukan secara profesional of customer funds is done professionally as a long-term
sebagai investasi jangka panjang dalam wujud rekening investment in the form of a customer’s personal account.
pribadi nasabah. Dengan begitu, apapun profesi nasabah Thus, whatever profession the customers can get a
bisa mendapat jaminan kesinambungan penghasilan guarantee of continuity of income during the retirement
selama masa pensiun nantinya. period.
Layanan DPLK Muamalat mencakup beragam pilihan Muamalat DPLK offers a wide selection of retirement
umur pensiun, pengelolaan dana secara syariah, berbagai age, sharia fund management, a variety of investment
paket investasi dengan hasil pengembangan yang packages with competitive, flexible, extensive network
kompetitif, fleksibel, jaringan luas dan akses 24 jam. development and 24-hour access. There are several
Keuntungan bagi perusahaan yang mengikutsertakan benefits for companies that register their employees as
karyawannya sebagai peserta DPLK di antaranya adalah DPLK participants such as, free tax (Pph 25), as a means of
tidak dibebankan pajak (Pph 25), sebagai sarana untuk preparing severance/pension funds for their employees
mempersiapkan pesangon/dana pensiun karyawannya, according to Law No. 13 of 2003 on Manpower and they
sesuai UU No. 13 tahun 2003 tentang Ketenagakerjaan can report to the Ministry of Finance as the organizing
serta dapat melaporkan ke Kementerian Keuangan agency pension fund.
sebagai badan yang telah menyelenggarakan dana
pensiun.

DPLK Muamalat didirikan pada tanggal 12 September DPLK Muamalat was established on September 12, 1997
1997 dan disahkan berdasarkan SK Menteri Keuangan No. and was approved based on the Decree of the Minister
Kep-485/KM.17/1997 tanggal 10 Oktober 1997. Program of Finance No. Kep-485/KM.17/1997 dated October 10,
pensiun yang dilaksanakan adalah Program Pensiun Iuran 1997. The pension program implemented is the Defined
Pasti (PPIP). Contribution Pension Program (PPIP).
4. MUAMALAT INSTITUTE 4. MUAMALAT INSTITUTE

Pendirian Muamalat Institute (MI) pada tahun 1999 berasal Muamalat Institute (MI) was founded in 1999, but its
dari adanya Lembaga Pendidikan dan Pengembangan inception started in 1992 as an educational institution
Perbankan Syariah (LPPBS) yang telah ada sejak 1992. called Islamic Banking Education and Development
Pendirian Muamalat Institute sendiri ditujukan untuk: Institution (LPPBS), or Education Institution for Sharia
Banking Development. Muamalat Institute has the
following objectives:
a. Meningkatkan kehidupan ekonomi masyarakat, a. Improving the economic life of the community,
khususnya umat Islam di Indonesia melalui pendirian especially Moslems in Indonesia through the
lembaga-lembaga berdasarkan prinsip syariah. establishment of institutions based on sharia
principles.
b. Menumbuh kembangkan dan mensosialisasikan b. Developing and promoting sharia financial institutions
lembaga keuangan syariah di Indonesia sehingga in Indonesia so that they can become one of the
dapat menjadi salah satu fondasi perekonomian foundations of the national economy.
bangsa.
c. Mencetak tenaga-tenaga profesional berkualitas yang c. Generating quality professionals with excellent
menguasai prinsip-prinsip ekonomi syariah sehingga knowledge of Sharia economic principles so that they
dapat lebih berperan serta dalam pengembangan can play an important role in the economic growth of
ekonomi Indonesia. the country.
d. Mengembangkan, mensosialisasikan dan memberikan d. Developing, promoting and providing education on
pendidikan mengenai sistem ekonomi syariah kepada the sharia economic system to the Indonesian people,
masyarakat Indonesia, khususnya umat Islam. Untuk especially Indonesian Moslem society. To reach these
dapat mencapai hasil tersebut MI memberikan jasa di goals, MI provides services in the fields of research,
bidang riset, pelatihan, konsultasi, dan publikasi. training, consulting and publication.
5. PT SYARIKAT TAKAFUL INDONESIA 5. PT SYARIKAT TAKAFUL INDONESIA

Atas prakarsa dari Tim Pembentukan Asuransi Takaful PT Syarikat Takaful Indonesia (Company) was established
Indonesia (TEPATI) yang dimotori oleh Ikatan Cendekiawan on February 24, 1994 on the initiative of the Formation
Muslim Indonesia (ICMI) melalui Yayasan Abdi Bangsa, PT Team of Takaful Insurance Indonesia (TEPATI) which was
Bank Muamalat Indonesia Tbk, Syarikat Takaful Malaysia led by the Indonesian Moslem Intellectuals Association
Bhd. (STM), PT Asuransi Jiwa Tugu Mandiri, Departemen (ICMI) through Abdi Bangsa Foundation, PT Bank
Keuangan RI, serta beberapa pengusaha muslim Muamalat Indonesia Tbk, Syarikat Takaful Malaysia Bhd.
Indonesia, PT Syarikat Takaful Indonesia berdiri pada 24 (STM), PT Tugu Mandiri Life Insurance, the Ministry of
Februari 1994. Finance of the Republic of Indonesia, and several other
Indonesian Moslem entrepreneurs.
Melalui dua perusahaan operasionalnya, yaitu PT Asuransi Through its two operational companies, namely
Takaful Keluarga dan PT Asuransi Takaful Umum, PT Asuransi Takaful Keluarga and PT Takaful Umum
Perusahaan melayani jasa asuransi dan perencanaan Insurance, the Company serves the needs of the
keuangan yang berlandaskan prinsip syariah untuk Indonesian people for insurance and financial planning
masyarakat Indonesia. services based on sharia principles.

2021 Annual Report
Daftar Entitas Anak dan Asosiasi

List of Subsidiaries and Associates
Hingga berakhirnya tahun buku 2021, Bank memiliki 5 (lima) Up to the end of the 2021 fiscal year, the Bank has 5 (five)
entitas anak dan asosiasi dengan uraian sebagai berikut. subsidiaries and associates with the following description.
Persentase
Tahun
Status Operasi Kepemilikan
Nama Kegiatan Usaha Pendirian Domisili Alamat
No Status of Ownership
Name Line of Business Year of Domicile Address
Operation Percentage
Establishment
(%)
1 PT Al Ijarah Indonesia Pembiayaan 2006 Jakarta Beroperasi 47,86 Menara Palma Lt. 25, Jl. HR. Rasuna Said
Finance (ALIF) Financing In Operation Blok X2 Kav. 6 Kuningan,
Jakarta 12950 Indonesia
2 Yayasan Baitulmaal Dana Sosial 2000 Jakarta Beroperasi Ruko Mitra Matraman Blok A1 No. 27
Muamalat (BMM) Social Fund In Operation Jl. Matraman Raya, RT 1/RW 4
Kb. Manggis, Matraman,
3 DPLK Muamalat Pengelolaan 1997 Jakarta Beroperasi Gedung Muamalat Tower Lt. 10
Dana Pensiun In Operation Jl. Prof. Dr. Satrio Kav. 18. Karet Kuningan
Pension Fund Jakarta 12940 Indonesia
Management
4 Muamalat Institute Pelatihan Syariah 1999 Jakarta Beroperasi Jl. Tanjung Duren Raya No. 7 A-B-C,
Sharia Training In Operation Grogol Petamburan, Jakarta 11470
Indonesia
5 PT Syarikat Takaful Asuransi Syariah 1994 Jakarta Beroperasi 5,91 Graha Takaful Indonesia
Indonesia Sharia Insurance In Operation Jl. Mampang Prapatan Raya No. 100
Kantor Akuntan Publik

Public Accounting Office
Doli, Bambang, Sulistiyanto, Dadang & Ali Doli, Bambang, Sulistiyanto, Dadang & Ali
Menara Kuningan Lt. 11 Kuningan Tower 11th Fl.
Jl. H.R. Rasuna Said Kav. 5, Jakarta 12940 Jl. H.R. Rasuna Said Kav. 5, Jakarta 12940
Tel.: (021) 5289 5000 Tel.: (021) 5289 5000
Faks.: (021) 5299 1199 Fax.: (021) 5299 1199
Jasa yang Diberikan: Melaksanakan audit berdasarkan Services Provided: Audits based on the Professional
Standar Profesional Akuntan Publik yang ditetapkan oleh Standards of Public Accountants set by the Indonesian
Institut Akuntan Publik Indonesia (IAPI). Institute of Certified Public Accountants (IAPI).
Biaya: Rp1.100.000.000 (belum termasuk PPN 10% dan Out Fee: Rp1,100,000,000 (not including 10% VAT and Out of
of Pocket Expense/OPE) Pocket Expense (OPE))
Periode Penugasan: Tahun Buku 2021 Assignment Period: 2021 Fiscal Year

Nama dan Alamat Lembaga serta Profesi

Penunjang Pasar Modal
Name and Address of Capital Market Supporting Institutions and Professionals
Biro Administrasi Efek Share Registrar Berau
PT Datindo Entrycom PT Datindo Entrycom

Jl. Hayam Wuruk No. 28, Lt. 2 Jl. Hayam Wuruk No. 28, 2nd Fl.
Jakarta 10120 Jakarta 10120
Tel.: (021) 350 8077 Tel.: (021) 350 8077
Faks.: (021) 350 8078 Fax.: (021) 350 8078
Jasa yang Diberikan: Biaya Jasa Administrasi Saham Services Provided: Stock Administration Services Fee
Biaya: Rp198.000.000 per tahun (termasuk PPH 23 dan Fee: Rp198,000,000 annually (including PPH 23 and 10% VAT)
PPN 10%) Assignment Period: 2013 tp now
Periode Penugasan: 2013 sampai sekarang
Kustodian Custodian
Kustodian Sentral Efek Indonesia (KSEI) Indonesian Central Securities Depository (KSEI)
Gedung Bursa Efek Indonesia, Tower 1, Lt. 5 Indonesia Stock Exchange Building, Tower 1, 5th Fl.
Jl. Jend. Sudirman Kav. 52-53, Jakarta 12190 Jl. Jend. Sudirman Kav. 52-53, Jakarta 12190
Tel.: (021) 515 2855 Tel.: (021) 515 2855
Faks.: (021) 5299 1199 Fax.: (021) 5299 1199
Jasa yang Diberikan: Kustodian MTN Syariah Subordinasi I Services Provided: Custodian service for MTN Syariah
BMI Subordinated I BMI
Biaya: Rp10.000.000 per tahun (0,01% dari nominal surat Fee: Rp10,000,000 annually (0.01% of the nominal value of
berharga yang diterbitkan) securities issued)
Periode Penugasan: 2017-2022 Assignment Period: 2017-2022
Notaris Notary
Ashoya Ratam S.H., Mkn. Ashoya Ratam S.H., Mkn.

Jl. Suryo No. 54, Kebayoran Baru Jl. Suryo No. 54, Kebayoran Baru
Jakarta Selatan 12180 South Jakarta 12180
Tel.: (021) 2938 0800 Tel.: (021) 2938 0800
Faks.: (021) 2938 0801 Fax.: (021) 2938 0801
Jasa yang Diberikan: Pengurusan akta notarial Bank Services Provided: Administration of Bank notarial deeds
Periode Penugasan: Tahun Buku 2021 Assignment Period: 2021 Fiscal Year

2021 Annual Report
Wali Amanat Trustee
PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Rakyat Indonesia (Persero) Tbk
Gedung BRI II Lt. 30 BRI II Building, 30th Fl.
Jl. Jend. Sudirman Kav. 44-46, Jakarta 10210 Jl. Jend. Sudirman Kav. 44-46, Jakarta 10210
Tel.: (021) 575 8130; 575 2362 Tel.: (021) 575 8130; 575 2362
Faks.: (021) 575 2444 Fax.: (021) 575 2444
Jasa yang Diberikan: Agen Pemantau/Wali Amanat Services Provided: Trustee
Konsultan Hukum Law Consultant
Ginting & Reksodiputro bekerja sama dengan Ginting & Reksodiputro in association with Allen
Allen & Overy LLP & Overy LLP
The Energy Building, 15th Floor Sudirman Central Business The Energy Building, 15th Floor Sudirman Central Business
District District
Jl. Jend Sudirman Kav 52-53, Senayan, Kebayoran Baru, Jl. Jend Sudirman Kav 52-53, Senayan, Kebayoran Baru,
Tel.: (021) 2995 1700 Tel.: (0361) 2995 1700
Jasa yang Diberikan: Melakukan pemeriksaan dari segi Services Provided: Conducting legal checks on facts
hukum atas fakta mengenai Perseroan yang disampaikan regarding the Company submitted by the Company to legal
oleh Perseroan kepada konsultan hukum selama periode consultants during the period of the Company’s PMHMETD
pelaksanaan PMHMETD VI Perseroan. VI implementation.
Periode Penugasan: Selama periode pelaksanaan Assignment Period: During the Company’s PMHMETD VI
PMHMETD VI Perseroan. implementation period.
Keanggotaan Asosiasi
Membership in Association
Bank Muamalat terdaftar dalam keanggotaan sebagai Bank Muamalat is registered member of the following
berikut: associations:
– PERBANAS – PERBANAS
– Asosiasi Sistem Pembayaran Indonesia – Indonesian Payment System Association
– Forum Komunikasi Direktur Kepatuhan Perbankan – Banking Compliance Director Communication Forum
(FKDKP) (FKDKP)
– Inisiatif Keuangan Berkelanjutan Indonesia (IKBI) – Indonesian Sustainable Finance Association (IKBI)
– Asosiasi Bank Syariah Indonesia (ASBISINDO) – Indonesian Sharia Bank Association (ASBISINDO)
– Indonesia Corporate Secretary Association – Indonesia Corporate Secretary Association
– Pusat Ekonomi Syariah (PKES) – Sharia Economic Communication Center (PKES)
– Masyarakat Ekonomi Syariah (MES) – Sharia Economic Community (MES)
– Ikatan Cendekiawan Muslim Indonesia (ICMI) – Indonesian Muslim Intellectuals Association (ICMI)
– dan seterusnya. – and so forth.

Informasi pada Website Perusahaan

Information on the Company’s Website
Informasi yang termuat dalam website PT Bank Muamalat The information contained in the PT Bank Muamalat
Indonesia Tbk untuk stakeholders telah memenuhi ketentuan Indonesia Tbk website for stakeholders has met the
yang diatur oleh Peraturan Otoritas Jasa Keuangan No. 8/ provisions stipulated by the Financial Services Authority
POJK.04/2015 tentang Situs Web Emiten atau Perusahaan Regulation No. 8/POJK.04/2015 on Websites of Issuers of
Publik. Seluruh informasi tersebut dapat diakses oleh publik Public Companies. All of this information can be accessed by
melalui situs www.bankmuamalat.co.id yang tersaji dalam the public through the website www.bankmuamalat.co.id,
dua bahasa yakni Bahasa Indonesia dan Bahasa Inggris. which is presented in two languages, namely Indonesian
and English.
Selain itu, terdapat logo Perusahaan sebagai identitas In addition, there is the Company logo as an identity and
dan sistem navigasi yang simpel sehingga memudahkan a simple navigation system that facilitates visitors of the
pengunjungnya dalam mencari informasi. Data dan website to find information. The data and information
informasi yang ditampilkan senantiasa diperbarui setiap displayed are always updated whenever there is a change.
kali ada perubahan. Dengan diperolehnya penghargaan With the award for the website of Bank Muamalat, namely
atas website Bank Muamalat , yaitu 1st The Best Informative 1st The Best Informative Website 2021 Indonesia Corporate
Website 2021 Indonesia Corporate Secretary & Corporate Secretary & Corporate Communication Award-VI-2021,
Communication Award-VI-2021, kategori: Sharia Bank – Category: Sharia Bank – Public Company (TBK), it is hoped
Public Company (TBK), diharapkan akan meningkatkan that it will increase the trust of the wider community and of
kepercayaan masyarakat luas serta tentunya Pemegang course Shareholders.
Saham.

2021 Annual Report
Analisis dan
Pembahasan Manajemen
Management Discussion and Analysis
186 Tinjauan Ekonomi 218 Ikatan Material untuk Investasi Barang Modal
Economic Overview Material Commitments for Capital Expenditure
188 Tinjauan Industri Perbankan 218 Realisasi Investasi Barang Modal
Banking Industry Overview Realized Capital Expenditure
190 Tinjauan Posisi Bank Muamalat Indonesia di Industri 220 Informasi dan Fakta Material yang Terjadi
Perbankan Syariah setelah Tanggal Laporan Akuntansi
Overview of Bank Muamalat Indonesia Position in the Material Facts and Information that Took Place after
Sharia Banking Industry the Accounting Report Date
191 Tinjauan Operasional 220 Prospek Usaha
Operational Overview Business Prospects
193 Tinjauan Kinerja per Segmen Usaha 220 Perbandingan antara Target dan Realisasi serta
Performance Overview per Business Segment Proyeksi 1 (Satu) Tahun Mendatang
Comparison between Target and Realization as Well
193 Segmen Ritel as Projections in the Next 1 (One) Year
Retail Segment 221 Aspek Pemasaran
197 Segmen Usaha Korporasi dan Komersial Marketing Aspect
Corporate and Commercial Business Segment 223 Dividen
199 Segmen Perbankan Internasional Dividend
International Banking Segment 224 Kepatuhan Pembayaran Pajak
201 Segmen Treasury Tax Payment Compliance
Treasury Segment 224 Program Kepemilikan Saham Karyawan dan/
204 Tinjauan Kinerja Keuangan atau Manajemen (ESOP/MSOP)
Financial Performance Overview Employee and/or Management Share Ownership
204 Aset Program (ESOP/MSOP)
Assets
224 Informasi Material terkait dengan Investasi,
205 Liabilitas
Ekspansi, Divestasi, Akuisisi, dan Restrukturisasi
Liabilities
207 Ekuitas Material Information related to Investment,
Equity Expansion, Divestment, Acquisition, and
208 Kinerja Laba-Rugi Restructuring
Income Statements 225 Realisasi Penggunaan Dana Hasil Penawaran
210 Arus Kas Umum
Cash Flow Realization of the Use of Proceeds from Public
211 Aset Produktif Offering
Productive Assets 225 Transaksi Material yang Mengandung Benturan
211 Rasio Kinerja Kepentingan dan/atau Transaksi dengan Pihak
Performance Ratio Afiliasi/Berelasi
212 Rasio Kepatuhan Material Transactions Containing Conflict of Interest
Compliance Ratio and/or Transactions with Affiliated/Related Parties
228 Perubahan Peraturan Perundang-Undangan
212 Komitmen dan Kontinjensi
yang Berpengaruh terhadap Perusahaan
Commitments and Contingencies
213 Informasi Kinerja Keuangan Lain Amendments to the Laws and Regulations that
Other Financial Performance Information Affect the Company
216 Kemampuan Membayar Utang 230 Perubahan Kebijakan Akuntansi
Ability to Pay Debt Changes in Accounting Policy
217 Struktur Modal 231 Informasi Kelangsungan Usaha
Capital Structure Business Continuity Information
Tinjauan Ekonomi
Economic Review
Terkait dengan kinerja
sampai dengan posisi
Awal tahun 2021 ditandai oleh penurunan The beginning of 2021 was marked by a Desember 2021, nilai aset
daya sebar COVID-19 yang membuat decrease in the outbreak of COVID-19, secara yoy naik sebesar
mobilitas masyarakat berangsur gradually moving people mobility, which Rp7,66 triliun. Pada akhir
bergerak kembali sehingga mendorong subsequently boosted consumption. tahun 2020, nilai aset
konsumsi. Pertumbuhan ekonomi pada Economic growth in the first quarter of tercatat Rp51,24 triliun
triwulan I-2021 masih berkisar 0,74%, 2021 was still in the range of 0.74%, but dan pada Desember 2021
namun pada triwulan II-2021 terjadi in the second quarter of 2021, there was tercatat Rp58,90 triliun.
lonjakan pertumbuhan ekonomi sebesar a surge of economic growth to 7.07% yoy.
7,07% yoy. Regarding the performance
of Bank Muamalat
Dari sisi produksi, lapangan usaha In terms of production, the transportation Indonesia up to December
transportasi dan pergudangan and warehousing business sectors 2021 position, the yoy asset
mengalami pertumbuhan tertinggi experienced the highest growth, which value increased by Rp7.66
sebesar 25,10%. Sementara dari sisi was posted at 25.10%. Meanwhile, in trillion. At the end of 2020,
pengeluaran, komponen ekspor barang terms of expenditure, the component the asset value was posted
dan jasa menjadi pendorong utama of goods and services export became at Rp51.24 trillion and in
dengan pertumbuhan sebesar 31,78%, the main driver with growth of 31.78%, December 2021 it was
posted at Rp58.90 trillion.

tertinggi dibandingkan komponen lainnya. Pertumbuhan highest compared to other components. The growth in
ekspor dan impor tersebut memberikan sinyal positif exports and imports indicated a positive signal that global
bahwa permintaan global mulai menguat dan pelaku usaha demand is starting to strengthen and domestic businesses
domestik mulai mempersiapkan diri untuk memasuki tahap are preparing to enter the economic recovery phase.
pemulihan ekonomi.
Memasuki semester II-2021, penyebaran COVID-19 kembali Entering the second semester of 2021, the outbreak of
menanjak akibat adanya varian baru, yaitu Delta. Hal ini COVID-19 increased due to the new variant, namely Delta.
menyebabkan kondisi ekonomi mengalami tekanan, disertai This lead to pressure on the economic conditions, which was
pelemahan nilai tukar rupiah terhadap dolar Amerika accompanied by the weakening of the rupiah exchange rates
Serikat (AS). against the United States (US) dollar.
Mengantisipasi penyebaran varian Delta yang begitu In anticipating the rapid outbreak of the Delta variant,
cepat, pemerintah menerapkan kebijakan Pemberlakuan the government implemented the Community Activity
Pembatasan Kegiatan Masyarakat (PPKM) secara berjenjang Restriction (PPKM) policy in stages based on region.
berdasarkan wilayah. Kebijakan PPKM ini berhasil menekan The PPKM policy managed to suppress the outbreak of
penyebaran COVID-19, sehingga kegiatan sosial dan ekonomi COVID-19, subsequently social and economic activities of the
masyarakat turut berangsur bangkit. community also gradually recover.
Pada triwulan III-2021, pertumbuhan ekonomi kembali In the third quarter of 2021, economic growth returned to
bergerak positif sebesar 3,51% dibandingkan periode a positive direction with 3.51%, compared to the period in
tahun sebelumnya. Dari sisi produksi, sektor usaha jasa the previous year. In terms of production, the health services
kesehatan dan kegiatan sosial tumbuh sebesar 14,06% (yoy). and social activity sector grew by 14.06%. Furthermore, in
Sedangkan dari sisi pengeluaran, komponen ekspor barang terms of expenditure, the component of exports of goods
dan jasa juga tumbuh sebesar 29,16%. and services also grew by 29.16%.
Hingga akhir tahun, Badan Pusat Statistik (BPS) mencatat Up to the end of the year, the Central Statistics Agency (BPS)
perekonomian Indonesia secara kumulatif sepanjang 2021 posted that during 2021, Indonesia’s economy cumulatively
berhasil tumbuh positif mencapai 3,69%, atau lebih baik managed to grow positively, reaching 3.69%, or better
dibandingkan 2020 yang mengalami kontraksi 2,07%. compared to 2020, which contracted by 2.07%.

2021 Annual Report
Tinjauan Industri Perbankan

Banking Industry Review
Penguatan sinergi kebijakan nasional dalam mengatasi The strengthening of national policy synergies in overcoming
pandemi COVID-19 terus mengalami penguatan dalam the COVID-19 pandemic continues to strengthened in order
rangka menjaga stabilitas dan mendorong perbaikan to maintain stability and encourage national economic
ekonomi nasional. Tingginya ekspektasi terhadap pemulihan improvement. High expectations for national economic
ekonomi nasional mendorong tetap tumbuhnya pembiayaan recovery encouraged a continued growth in the sharia
di industri perbankan syariah. Penyaluran pembiayaan banking industry. Financing disbursements from sharia
dari perbankan syariah terus meningkat menjadi sebesar banking continued to increase to Rp409.88 trillion, or
Rp409,88 triliun atau tumbuh 6,75% (yoy), baik untuk a growth of 6.75% (yoy), both in the category of Sharia
kategori Bank Umum Syariah (BUS) maupun Unit Usaha Commercial Banks (BUS) and Sharia Business Units (UUS).
Syariah (UUS).
Tumbuhnya pembiayaan yang disalurkan oleh perbankan The growth of disbursed financing by sharia banking is
syariah sampai dengan saat ini terbatas pada transaksi currently limited to domestic activity transactions and has
kegiatan dalam negeri dan belum secara aktif menggarap not actively developed on the market of export and import
pasar untuk transaksi kegiatan ekspor impor. Pertumbuhan activity transactions. The highest growth for sharia financing
pembiayaan syariah tertinggi masih tercatat dari sektor is still posted from other sectors, which is driven by the
lain-lain yang didorong oleh penyaluran pembiayaan disbursement in consumtion financing for the household
konsumsi untuk subsektor rumah tangga, diikuti oleh sektor sub-sector, followed by the trade sector.
perdagangan.
Perseroan optimis proyeksi usahanya akan berjalan lebih The company is optimistic that its business projections will
baik dibandingkan tahun 2021, hal itu dilihat dari beberapa perform better than in 2021, this is evidenced from several
indikator ekonomi Indonesia. Stabilitas makroekonomi Indonesian economic indicators. Macroeconomic stability is
juga terjaga dengan inflasi yang diperkirakan terkendali also maintained with inflation predicted to be under control
pada kisaran 3±1% serta nilai tukar rupiah yang akan in the range of 3±1% and the rupiah exchange rate, which
bergerak stabil dan berpotensi menguat. Stabilitas eksternal will have a stable movement with the potential to strengthen.
diestimasikan terjaga, dengan surplus neraca pembayaran External stability is estimated to be maintained, with a
didukung defisit transaksi berjalan yang rendah di sekitar balance of payments surplus supported by a low current

1,0%-2,0% PDB. Stabilitas sistem keuangan juga semakin account deficit in the range of 1.0%-2.0% of GDP. The stability
membaik, dengan rasio permodalan yang tinggi, NPL of the financial system has also improved, with a high capital
yang rendah, serta pertumbuhan DPK dan pembiayaan ratio, low NPL, and growth in deposits and financing, each of
yang masing-masing meningkat ke sekitar 7%-9% pada which increased to 7%-9% in 2021 nationally. The company
2021 secara nasional. Perseroan memperkirakan kondisi estimates that the economic conditions in 2022 will improve
perekonomian 2022 akan membaik dibandingkan ekonomi compared to the Indonesian economy until 2021, which
Indonesia sampai dengan tahun 2021, yang mengalami experienced a growth of around 3.5%-4.0%.
pertumbuhan sekitar 3,5%-4,0%.
Perseroan memandang industri perbankan akan tetap The Company assesses that the banking industry will
akan tumbuh pada tahun 2022 karena industri perbankan continue to grow in 2022, given that the banking industry
merupakan salah satu industri yang tetap memiliki laju is one of the industries that will continue to have a positive
pertumbuhan PDB positif selama pandemi COVID-19 GDP growth rate during the COVID-19 pandemic in 2020 and
berlangsung di tahun 2020 dan 2021. Walaupun laju 2021. Although the GDP growth rate of the Financial Services
pertumbuhan PDB dari sektor Jasa Keuangan dan Asuransi and Insurance sectors is only posted at 1.03% in 2020 with
hanya sebesar 1,03% pada tahun 2020 dan cenderung the tendency to decrease compared to the cumulative
menurun dibandingkan dengan pertumbuhan kumulatif growth in the previous year, its growth compared to other
tahun sebelumnya namun pertumbuhannya jika dibanding business sectors is better, as it still contributes to positive
sektor usaha lainnya lebih baik karena masih memberikan growth. The increase was supported by an increase in the
kontribusi pertumbuhan positif. Peningkatan didukung flow of life insurance investment returns, an increase in the
dari peningkatan flow hasil investasi asuransi jiwa, adanya collection of third-party funds and a decrease in the expense
kenaikan penghimpunan dana pihak ketiga serta penurunan of claims/benefits of social insurance products.
beban klaim/manfaat produk asuransi sosial.

2021 Annual Report
Tinjauan Posisi Bank Muamalat Indonesia

di Industri Perbankan Syariah
Overview of Bank Muamalat Indonesia’s Position in the Sharia Banking Industry
Terkait dengan kinerja Bank Muamalat Indonesia sampai Regarding the performance of Bank Muamalat Indonesia up
dengan posisi Desember 2021, nilai aset secara yoy naik to December 2021 position, the yoy asset value increased by
sebesar Rp7,66 triliun. Pada akhir tahun 2020, nilai aset Rp7.66 trillion. At the end of 2020, the asset value was posted
tercatat Rp51,24 triliun dan pada Desember 2021 tercatat at Rp51.24 trillion and in December 2021 it was posted at
Rp58,90 triliun. Sementara itu, total aset BUS & UUS pada Rp58.90 trillion. Meanwhile, the total assets of BUS & UUS in
Desember 2021 tercatat sebesar Rp677,74 triliun. Dari December 2021 were posted at Rp677.74 trillion. Of the total
jumlah aset tersebut, Bank Muamalat Indonesia menduduki assets, Bank Muamalat Indonesia is in the second position
posisi kedua dari 15 Bank Umum Syariah di Indonesia. out of 15 Sharia Commercial Banks in Indonesia.
Dari segi penyaluran pembiayaan, pada Desember 2021 In terms of financing distribution, in December 2021 it was
tercatat sebesar Rp18,04 triliun, turun dari posisi tahun recorded at Rp18.04 trillion, down from the position in
2020 yang tercatat sebesar Rp28,92 triliun. Sementara pada 2020 which was recorded at Rp28.92 trillion. Meanwhile,
Desember 2021, DPK mengalami peningkatan sebesar in December 2021, DPK increased by 13.16% from the
13,16% dari posisi tahun 2020 yang tercatat sebesar Rp41,42 position in 2020 which was recorded at Rp41.42 trillion to
triliun menjadi Rp46,87 triliun pada Desember 2021. Rp46.87 trillion in December 2021. Meanwhile, in terms of
Sementara itu, dari sisi total pembiayaan yang disalurkan total financing distributed by Islamic banks which reached
oleh bank syariah yang mencapai Rp409,88 triliun, kontribusi Rp409.88 trillion, Bank Muamalat Indonesia’s financing
pembiayaan Bank Muamalat Indonesia sebesar Rp18,04 contribution amounted to Rp46.87 trillion, out of the total
triliun. Sementara itu nilai DPK Bank Muamalat yang tercatat DPK of Sharia Bank which reached Rp536.99 trillion.
sebesar Rp46,87 triliun, dari total DPK Bank Syariah yang
mencapai Rp536,99 triliun.
Dari sisi profitabilitas pada Desember 2021, nilai laba In terms of profitability in December 2021, the Bank’s profit
sebelum pajak/profit before tax (PBT) Bank tercatat sebesar before tax (PBT) was recorded at Rp13 billion. Meanwhile,
Rp13 miliar. Adapun pada akhir tahun 2020, nilai PBT Bank at the end of 2020, the Bank’s PBT value was recorded at
tercatat sebesar Rp15 miliar. Rp15 billion.

Tinjauan Operasional
Operational Overview
Dalam situasi yang terus bergerak dinamis sepanjang In a situation that continues to move dynamically throughout
tahun 2021, Bank Muamalat telah merealisasikan sejumlah 2021, Bank Muamalat has realized a number of strategic
kebijakan strategis untuk mencapai target usahanya. Strategi policies to achieve its business targets. This strategy is
tersebut tidak terlepas dari kebijakan turnaround yang telah inseparable from the turnaround policy that has been set
ditetapkan manajemen, mencakup 3 (tiga) prioritas inisiatif, by management, which includes 3 (three) priority initiatives,
yaitu: business turnaround, rebuild financing portfolio, dan namely: business turnaround, rebuild financing portfolio,
digital and transformation. and digital and transformation.
Inisiatif business tunaround merupakan titik balik Bank untuk The business tunaround initiative is a turning point for the
menjalankan bisnis yang efisien dan berkelanjutan, yang Bank to run an efficient and sustainable business, where the
mana fokus programnya adalah: focus of the program is:
1. Fokus pada penyaluran pembiayaan di sektor yang 1. Focus on channeling financing in prospective sectors,
prospektif yaitu sektor-sektor yang bersifat low-risk, namely low-risk sectors but promising high yield, as
namun mampu memberikan hasil yang maksimal (high well as developing the Islamic segment as a form
yield), serta mengembangkan Islamic segment sebagai of commitment to building the sharia economy in
bentuk komitmen dalam membangun ekonomi syariah Indonesia.  
di Indonesia.  
2. Pembiayaan di segmen ritel akan fokus menjadi 2. Financing in the retail segment will focus on consumer
pembiayaan konsumer pada produk Multiguna, KPR, financing through Multipurpose products, mortgages,
Emplo yee Benefit Program, serta pembiayaan pada Employee Benefit Programs, as well as financing in
Islamic Business. Sedangkan pada segmen wholesale akan Islamic Business. Meanwhile, the wholesale segment
fokus pada pembiayaan kepada BUMN, large company/ will focus on financing to SOEs, Large Corporations/
konglomerasi serta low-risk customer lainnya. Conglomerates and other low-risk customers.
3. Dari sisi pendanaan, Bank tetap fokus pada peningkatan 3. From the funding side, the Bank will remain focused on
dana murah berbasis tabungan dan giro melalui increasing low-cost savings and current accounts based
serangkaian produk dan program yang inovatif serta on a series of innovative, customer-driven products and
sesuai dengan kebutuhan nasabah. programs.
4. Kontribusi pendapatan berbasis jasa akan terus 4. Service-based revenue contributions will continue
ditingkatkan melalui pengembangan produk-produk to be increased through the development of Wealth
Wealth Management, Bancassurance, Trade dan Management, Bancassurance, Trade and Transactional
Transactional. products.

2021 Annual Report
Inisiatif rebuild financing portfolio yaitu upaya Bank dalam The rebuild financing portfolio initiative is the Bank’s effort
menjaga kualitas pembiayaan yang sehat termasuk maintain a sound financing quality, including recovery of
pemulihan pembiayaan berkualitas rendah, melalui: low-quality financing:
1. Perbaikan kualitas portofolio dengan mendukung 1. Continuous improvements in portfolio quality by
terciptanya portofolio manajemen yang proaktif, encouraging the creation of a proactive, comprehensive
komprehensif dan dilakukan secara berkala serta and periodic portfolio management that is backed by
didukung dengan penerapan risk management yang ketat strict risk management implementation to prevent a
untuk mencegah penurunan kualitas pembiayaan. deterioration in financing quality.
2. Melanjutkan proses pemulihan pembiayaan bermasalah 2. Continue the non-performing financing recovery process
termasuk dengan menyediakan pencadangan yang by setting aside an adequate allowance to cover potential
cukup untuk menutup kerugian tersebut. Akselerasi loss. Accelerating the settlement process of non-
penyelesaian pembiayaan bermasalah melalui recovery performing financing through recovery and collection is
dan collection juga terus dilakukan agar mampu also carried out in order generate optimal income.
menghasilkan pendapatan yang optimal.
3. Menjaga penyaluran pembiayaan untuk tetap fokus dan 3. Maintain the distribution of financing to remain
dispilin pada target market dan risk-acceptance criteria disciplined and focused on the predetermined target
yang telah ditentukan. market and risk-acceptance criteria.
Inisiatif digital and transformation merupakan pengembangan Digital & transformation initiative, namely technology-based
bisnis Bank berbasis teknologi, yaitu: development of the Bank’s business:
1. Pengembangan akan difokuskan kepada Digital Islamic 1. The development will be focused on the Digital Islamic
Network (DIN) termasuk Smart Account Opening dan Network (DIN), including Smart Account Opening and
penambahan fitur layanan melalui strategic partnership the addition of service features through strategic
dengan pihak ketiga. Selain itu, Bank juga melakukan partnerships with third parties. In addition, the Bank has
transformasi pada sales and distribution channel dan also transformed the sales and distribution channels
layanan cabang dengan meningkatkan kolaborasi and branch services by increasing collaboration with the
dengan komunitas dan ekosistem syariah. sharia community and ecosystem.
2. Transformasi dalam hal peningkatan dan perbaikan 2. Transformation in terms of improving and enhancing
sistem, prosedur dan kebijakan. BMI juga akan systems, procedures, and policies. BMI will also
merumuskan kembali visi dan misi Bank sesuai dengan reformulate the Bank’s vision and mission in accordance
kondisi dan target yang akan dicapai. with the conditions and targets to be achieved.
3. Menyediakan layanan yang optimal dan menjunjung 3. Providing optimal services and upholding the principle of
prinsip smart and excellent operation bagi seluruh smart and excellent operation for all stakeholders. This
stakeholders. Hal tersebut dilakukan baik dari sisi bisnis is done both in terms of business and support through a
maupun support melalui penerapan standar yang consistent application of standards.
konsisten.

Tinjauan Kinerja per Segmen Usaha

Performance Overview per Business Segment
SEGMEN RETAIL RETAIL SEGMENT

Segmen usaha Retail Bank Muamalat Indonesia merupakan The Retail business segment of Bank Muamalat Indonesia
segmen yang membidik nasabah individu dan non-individu is a segment that targets individual and non-individual
dengan produk yang mencakup giro, tabungan dan deposito customers with products that include current accounts,
berjangka. Hingga berakhirnya tahun buku 2021, produk savings, and time deposits. Up to the end of the 2021 fiscal
dan layanan yang diberikan oleh segmen usaha retail seperti year, products and services provided by the retail business
diuraikan dalam tabel Bab Profil Perusahaan Sub Bab Produk segment are as described in the table of Company Profile
dan Layanan. Chapter, Products and Services Sub Chapter.
Strategi Tahun 2021 2021 Strategy

Sepanjang tahun 2021, segmen retail fokus dengan Throughout 2021, the retail segment focused on achieving
pencapaian dana murah melalui giro dan tabungan seperti low-cost funds through current accounts and savings such
Tabungan iB Hijrah Wadiah, Tabungan Prima Berhadiah as iB Hijrah Wadiah Savings, Prima Berhadiah Savings and
dan Giro Berhadiah, meskipun pencapaian deposito masih Prized Giro, although deposit achievement still dominates.
mendominasi.
Kinerja Performance
Hingga akhir tahun buku 2021, segmen retail membukukan As of the end of the 2021 fiscal year, the Retail segment posted
Dana Pihak Ketiga (DPK) sebesar Rp41,16 triliun, naik 9,27% Rp41.16 trillion for Third Party Funds (TPF), an increase of
dibandingkan tahun sebelumnya yang sebesar Rp37,67 9.27% compared to the previous year, which amounted to
triliun. Kenaikan tersebut disebabkan terutama oleh Rp37.67 trillion. The increase was mainly due to an increase
kenaikan CASA, diikuti kenaikan TD. Adapun kontributor dari in CASA, followed by an increase in BP. The contributors to
DPK tersebut berasal dari tabungan dan giro dengan porsi TPF derived from savings and current accounts with a total
total sebesar 66,86%, sementara deposito berkontribusi portion of 66.86%, while time deposits contributed 33.14
sebesar 33,14% dari total DPK. percent of the total TPF.
Total Fee Based Income terkait dengan aktivitas penghimpunan Total Fee Based Income related to funding activities was
dana tercatat sebesar Rp169,28 miliar atau naik sebesar posted at Rp169.28 billion, an increase of Rp28.60 billion
Rp28,60 miliar dari tahun sebelumnya sebesar Rp140,68 compared to the previous year, which amounted to
miliar peningkatan terbesar disebabkan kenaikan pada Rp140.68 billion. The lalrgest increase was due to an increase
aktivitas penjualan bancassurance selama masa pandemi in bancassurance sales activities during the COVID-19
COVID-19. pandemic.
Kinerja Penghimpunan Dana Segmen Usaha Ritel Funding Performance in the Retail Business Segment
Pertumbuhan
Growth
Uraian 2021 2020 Description
Nominal Persentase
Volume Percentage
Dana Pihak Ketiga 41.156 37.665 3.490 9,27% Third Party Fund
Rekening/Nasabah 1.848.728 2.044.441 -195.713 9,57% Account/Customers
Margin Expense -1.204 -1.407 203 -14.44% Margin Expense
Fee Based Income 169 140 29 20,33% Fee Based Income
E-Channel Fee 53 47 5,60 11,84% E-Channel Fee
Admin Funding 56 64 -7,49 -11,79% Admin Funding
Bancassurance Fee 54 26 28 109,92% Bancassurance Fee
Gain on Forex & Securities 5,06 3.06 0,67 21,89% Gain on Forex & Securities

2021 Annual Report
Kinerja Pembiayaan Segmen Usaha Retail Financing Performance in the Retail Business Segment
(Rpmiliar, kecuali dinyatakan lain) (Rpbillion, except otherwise stated)
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Pembiayaan 6.575 8.939 -2.364 -26,44% Financing
Margin Income 772 925 -152 -16,64% Margin Income
Financing Fee 13 2.9 10 354,44% Financing Fee
Sementara itu, pembiayaan segmen retail pada 2021 tercatat Meanwhile, financing for the retail segment in 2021 was
sebesar Rp6,57 triliun, menurun 26,44% dari posisi tahun posted at Rp6.57 trillion, a decrease of 26.44% compared
lalu yang sebesar Rp8,94 triliun. to the position in the previous year, which amounted to
Rp8.94 trillion.
Rencana Strategis 2022 Strategic Plan for 2022

Pada tahun 2022, segmen retail fokus pada peningkatan In 2022, the retail segment will focus on increasing low-cost
dana murah (tabungan dan giro) melalui program funds (savings and current accounts) through the iB Hijrah
Tabungan iB Hijrah Wadiah, Tabungan Prima Berhadiah Wadiah Savings program, Prima Savings with Prizes and
dan Giro Berhadiah. Program-program debit card juga akan Current Accounts with Prizes. The debit card program is also
difokuskan untuk menaikkan saldo tabungan transaksional. going to focus on increasing transactional savings balances.
Pembiayaan Financing
Pembiayaan pada tahun 2022 ditargetkan sebesar Rp22.884 Financing in 2022 is targeted at Rp22,884 billion. The
miliar. Peningkatan pembiayaan dari segmen retail increase in financing from the retail segment is carried
dilakukan melalui melalui produk multiguna, KPR, Islamic out through multipurpose products, mortgages, Islamic
Business, dan Employee Benefit Program. Sementara itu Business and Employee Benefit Programs. Meanwhile, in
pada segmen wholesale, pembiayaan akan difokuskan pada the wholesale segment, financing will be focused on SOEs,
BUMN, Large Company/Konglomerasi dan low-risk customer Large Companies/Conglomerations and other low-risk
lainnya. Kontribusi pembiayaan dari segmen retail dan customers. Financing contributions from the retail segment
segmen wholesale masing-masing sebesar Rp8.221 miliar and wholesale segment amounted to Rp8,221 billion and
dan Rp14.663 miliar. Rp14,663 billion, respectively.
Profitabilitas Profitability
Berikut adalah kinerja profitabilitas segmen usaha retail: The following is the profitability performance of the retail
business segment:
Kinerja Profitabilitas Segmen Usaha Retail Profitability Performance of the Retail Business Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
NIM Financing 212 277 -64 -23,18% NIM Financing
NIM Funding 350 323 27 8,23% NIM Funding
Total NIM 562 600 -38 -6,26% Total NIM
Islamic Business dan Small Medium Enterprise Islamic Business and Small Medium
Enterprise
Islamic Business dan Small Medium Enterprise (IBS) merupakan Islamic Business and Small Medium Enterprise (IBS) is one of
salah satu strategi dari manajemen Bank Muamalat yang the strategies of the management of Bank Muamalat which
merupakan unit kerja yang fokus pada kegiatan komersial is a work unit that focuses on the following commercial and
dan non komersial (sosial) sebagai berikut: non-commercial (social) activities:

1. Fokus pada area yang menjadi kekuatan BMI sebagai 1. Focus on areas that are the strengths of BMI as the first
Bank pertama syariah. sharia bank.
2. Segmentasi pada target market spesifik pada bank 2. Segmentation on specific target markets for Sharia
Syariah. banks.
3. Aktivitas layanan keumatan di bidang zakat, infaq, 3. Public service activities in the field of zakat, infaq,
sedekah (ZISWAF). sadaqah (ZISWAF).
Adapun untuk memberikan pelayanan yang lebih maksimal While for providing maximum service for Hajj and Umrah,
untuk Haji dan Umrah, yang sebelumnya berada di bawah which was previously under the management of IBS,
pengelolaan IBS, saat ini telah dipisah unit kerja sendiri di currently, the work unit at the division level has been
level divisi menjadi Hajj & Umrah Services (HUS). separated into Hajj & Umrah Services (HUS).
Potensi pasar yang sudah diidentifikasi oleh Bank dapat Market potentials that have been identified by the Bank
dikategorikan dalam dua kelompok yaitu: amal usaha yang can be categorized into two groups namely: charities that
menjadi bagian dari ormas dan yayasan-yayasan Islam are part of mass organisations, and independent Islamic
mandiri baik yang menjadi bagian dari sebuah jaringan foundations that are part of a network, including large
maupun yayasan-yayasan independen yang besar. independent foundations.
Berdasarkan strategi tersebut maka diharapkan IBS akan Based on this strategy, it is expected that IBS will contribute
memberikan kontribusi terhadap pencapaian target yang to the achievement of targets established by management
telah ditentukan oleh manajemen melalui layanan nasabah through customer service that focuses on financing, funding,
yang fokus kepada financing, funding maupun fasilitas and transactional facilities in the following service sectors:
transaksional pada sektor layanan berikut:
– Sektor Pendidikan – Education Sector
– Sektor Kesehatan – Health Sector
– Sektor Lembaga Keuangan Syariah – Sharia Financial Institution Sector
– Sektor Industri Halal – Halal Industry Sector
– Layanan Masjid dan ZISWAF. – Mosque and ZISWAF Services.
Wealth Management dan e-Business Wealth Management and e-Business

Management Management
Bank telah menganalisa dan menyesuaikan strategi The Bank has analyzed and adjusted strategies for changes
terhadap perubahan perilaku konsumen akibat disruption in consumer behavior due to disruption from the adaptation
dari adaptasi teknologi baru pada transaksi keuangan dan of new technology to financial transactions and also the
juga dampak pandemi COVID-19. Untuk menyesuaikan impact of the COVID-19 pandemic. To adapt its business
strategi bisnisnya dengan perubahan ini, Bank berupaya strategy to these changes, the Bank is working to upgrade
untuk memperbarui infrastruktur teknologi informasinya. its information technology infrastructure. One of the most
Salah satu yang paling penting adalah menyesuaikan important things is to adjust Muamalat DIN Mobile Banking
Mobile Banking Muamalat DIN maupun Internet Banking and Internet Banking with technology in accordance with
dengan teknologi yang sesuai dengan kebutuhan nasabah. customer needs. Currently, customers are prioritizing
Saat ini, nasabah lebih mengutamakan kecepatan dalam speed in transactions and are starting to reduce physical
transaksi dan mulai mengurangi transaksi fisik dengan transactions with branches. Therefore, optimizing Muamalat
cabang. Oleh karenanya, optimalisasi pada Muamalat Mobile Mobile Banking and Internet Banking to always be connected
Banking maupun Internet Banking untuk selalu terhubung ke to the digital economy ecosystem is a step that needs to be
ekosistem ekonomi digital merupakan langkah yang perlu taken by the Bank through the development of new features
diambil oleh Bank, melalui pengembangan fitur baru dan and new strategic partners.
mitra strategis baru.
Bank Muamalat Indonesia juga senantiasa melakukan Bank Muamalat Indonesia also continues to make various
berbagai upaya guna mendukung Bank Indonesia dan OJK efforts to support Bank Indonesia and FSA in increasing
dalam meningkatkan transaksi non-tunai demi mewujudkan non-cash transactions to create a cashless society. The
cashless society. Pengembangan e-channel terus dilakukan development of e-channel continues to be carried out, such
seperti penambahan fitur pembayaran tagihan dan as adding bill payment and purchase features such as Ovo
pembelian seperti top-up Ovo dan GoPay, penambahan ini and GoPay top ups. These additions have been made in
telah dilakukan di Mobile Banking dan ATM Bank Muamalat Mobile Banking and at Bank Muamalat Indonesia ATMs so

2021 Annual Report
Indonesia sehingga memberi dampak positif pada that they have a positive impact on increasing the number
meningkatkan jumlah transaksi keuangan nasabah sehari- of daily customer financial transactions. The development of
hari. Pengembangan fitur ini mampu memenuhi kebutuhan this feature is able to meet customer needs which in turn
nasabah yang pada akhirnya meningkatkan kesetiaan increases customer loyalty as reflected in the increase in the
nasabah yang tercermin pada peningkatan saldo rata-rata average balance of customer accounts at Bank Muamalat
rekening nasabah di Bank Muamalat Indonesia. Indonesia.
Bank Muamalat juga menghubungkan nasabah-nasabah Bank Muamalat also connects customers of Syariah Rural
BPRS ke ekosistem ekonomi digital melalui layanan e-channel Bank (BPRS) to the digital economy ecosystem through
yang terkoneksi antara sistem BPRS dan Bank. Diharapkan e-channel services between the BPRS system and the Bank.
transaksi keuangan dan saldo rata-rata dari BPRS dapat It is expected that the financial transactions and average
meningkat dengan adanya koneksi ini. balance of the BPRS can be increased with this connection.
Di samping itu, layanan Automatic Teller Machine (ATM) In addition, the performance of the Automatic Teller
juga terus dioptimalkan kinerjanya, salah satunya adalah Machine (ATM) service continues to be optimized, such as
dengan melakukan strategi relokasi. Strategi tersebut by implementing the relocation strategy. This strategy has
sukses menaikkan fee-based income bagi Bank Muamalat succeeded in increasing fee-based income for Bank Muamalat
Indonesia, terkhusus segmen ATM Off Premises. Pemilihan Indonesia, especially the Off Premises ATM segment. The
lokasi di luar kantor untuk penempatan ATM tetap menjadi choice of location outside the office for ATM placement
perhatian agar tetap memfasilitasi kebutuhan transaksi remains a concern in order to continue to facilitate customer
nasabah secara praktis dan menyeluruh. transaction needs in a practical and comprehensive manner.
Adapun di dalam Wealth Management, dari segi produk As for Wealth Management, in terms of products, we strive to
Bank mencoba memberikan produk-produk yang bersaing provide products that compete with competitors to ensure
dengan kompetitor sehingga dapat memberikan nilai that they can provide added value to customers, allowing
tambah kepada nasabah sehingga nasabah merasa nyaman customers to feel comfortable in conducting transactions
bertransaksi dengan Bank Muamalat. Adapun saat ini produk with Bank Muamalat. Currently, Wealth Management
Wealth Management yang dapat ditawarkan kepada nasabah products that can be offered to customers are superior
adalah produk-produk unggulan, seperti Bancassurance yang products, such as Bancassurance, which have collaborated
sudah bekerja sama dengan beberapa penyedia produk with several product providers that are well known to the
yang sudah dikenal baik oleh masyarakat dengan tujuannya public, such as: Sun Life, Takaful, and Avrist with the purpose
adalah memberikan kenyamanan dan sebagai alternatif of providing comfort and as alternative investment products
produk investasi bagi nasabah. for customers.
Selain itu, Bank juga memiliki produk-produk investasi dan In addition, the Bank also has investment and savings
simpanan seperti Sukuk Ritel, Sukuk Tabungan dan Sukuk products such as Retail Sukuk, Savings Sukuk and Waqf
Wakaf. Sebagai mitra distribusi yang telah ditunjuk oleh Sukuk. As the distribution partner appointed by the
Kementerian Keuangan Republik Indonesia, Bank Muamalat Ministry of Finance of the Republic of Indonesia, Bank
selalu berpartisipasi dalam membantu pemerintah dalam Muamalat Indonesia has always participated in assisting
pembangunan Negara Indonesia, terutama disaat masa the government in the development of Indonesia, especially
pandemi, kami juga berpartisipasi pada penjualan pertama during the pandemic. The Bank has also participated in the
kali Sukuk Wakaf bersama dengan beberapa Bank Syariah first sale of Sukuk Waqf along with several other Sharia
lainnya dalam membantu pemerintah dalam penanganan Banks in assisting the government in handling the COVID-19
akibat COVID-19. pandemic.
Ke depannya, Bank berupaya menyediakan produk investasi In the future, the Bank seeks to provide Sharia mutual
Reksadana Syariah yang bekerja sama dengan perusahaan fund investment products in collaboration with fintech
fintech yang sudah memiliki lisensi APERD. Selain Reksa companies that already have an APERD license. In addition
dana, BMI juga akan mengembangkan Layanan Emas Digital to mutual funds, BMI will also develop Digital Gold Services
sebagai salah satu alternatif investasi bagi nasabah sehingga as an alternative investment for customers to diversify their
dapat mendiversifikasikan kekayaannya pada aset pilihan. wealth in selected assets.
Untuk menunjang perkembangan bisnis dan peningkatan To support business development and increase Fee Based
fee-based income serta fokus pada kebutuhan produk Income and focus on product and service needs for the HNWI
maupun layanan untuk segmen HNWI, Muamalat Prioritas segment, Muamalat Prioritas has realized the additional

telah merealisasikan pembukaan beberapa Priority Center di opening of several Priority Centers in the main branch offices
kantor cabang utama, selain di Muamalat Tower. in addition to Muamalat Tower.
Dalam menjaga customer engagement dengan nasabah, In maintaining customer engagement with customers, the
layanan Muamalat Prioritas hadir menyapa nasabah dengan Muamalat Prioritas services are available to greet customers
berbagai kegiatan online webinar. Online webinar disajikan with various online webinars. Online webinars are presented
dengan berbagai topik menarik dan terkini mulai dari kajian with various interesting and up-to-date topics, ranging from
para ulama, health talk, sampai dengan tema menarik studies of scholars, health talk, to other interesting themes.
lainnya. Dalam kegiatan ini diisi juga dengan informasi This activity is also filled with information about ongoing
mengenai produk dan program bank yang sedang berjalan. bank products and programs.
Adapun untuk tetap mendapatkan masukan dari para As for continuing to acquire input from Priority Customers,
Nasabah Prioritas, nasabah dapat manyampaikan customers can submit directly to the online webinar media
secara langsung dengan media online webinar mengenai concerning their banking experience with Bank Muamalat,
pengalaman ber-banking dengan Bank Muamalat, masukan input and constructive criticism in terms of products,
maupun kritik membangun dari sisi produk, services, people services, people and premises that can be a starting point
maupun premises yang dapat menjadi awal untuk langkah for improvement measures.
perbaikan.
SEGMEN USAHA KORPORASI DAN CORPORATE AND COMMERCIAL

KOMERSIAL BUSINESS SEGMENT
Segmen usaha Korporasi dan Komersial adalah segmen The Corporate and Commercial business segment is
nasabah dengan omset usaha sebesar Rp50 miliar atau lebih customer segment with an annual turnover of Rp50 billion or
per tahun, baik yang dimiliki oleh Pemerintah, yaitu Badan more, both owned by the Government, namely State-Owned
Usaha Milik Negara (BUMN) dan Badan Usaha Milik Daerah Enterprises (SOE) and Regional-Owned Enterprises (ROE),
(BUMD) maupun swasta. Hingga tahun 2021, produk-produk as well as private companies. As of 2021, the products and
dan layanan yang ditawarkan oleh segmen Korporasi dan services offered by the Corporate and Commercial segments
Komersial dijelaskan dalam tabel di bawah ini. are described in the following table.
Produk dan Layanan Segmen Korporasi dan Komersial Products and Services of the Corporate and Commercial
Segment
Produk
Uraian Description
Product
Pembiayaan Modal Kerja dan Investasi Working capital and investment
Financing
Simpanan Deposito dan giro untuk keperluan investasi dan Deposits and giro for investment purposes and
Savings pengelolaan kas nasabah customer cash management
Ekspor/Impor Trade finance, forex line, dan hedging (lindung nilai) Trade finance, forex line and hedging
Export/Import

Sebagai upaya meningkatkan produktivitas kinerja segmen As an effort to increase the productivity of the business
usaha, pada tahun 2021 Bank menentukan Target Market and segment performance, the Bank in 2021 established the
Risk Acceptance Criteria (TMRAC) dalam rangka menghasilkan Target Market and Risk Acceptance Criteria (TMRAC) in order
pertumbuhan pembiayaan yang sehat. Untuk itu, Bank to generate healthy financing growth. For this reason, the
fokus pada BUMN dan korporasi dengan peringkat (rating) Bank focuses on SOEs and corporations with good financing
pembiayaan yang bagus. ratings.
Di samping itu, Bank juga terus melakukan perbaikan proses In addition, the Bank has also implemented end-to-end
end-to-end dan penentuan risiko dalam rangka menjaga process improvements and risk determination in order to
kualitas pembiayaan. Dari sisi pendanaan, dilakukan maintain the quality of financing. In terms of funding, third
penghimpunan dana pihak ketiga dengan lower cost of fund. party funds are going to be collected with lower cost of funds.
Kinerja Performance
Hingga akhir tahun buku 2021, Dana Pihak Ketiga tercatat As of the end of the 2021 fiscal year, Third Party Funds
sebesar Rp5,72 triliun atau naik sebesar Rp1,96 triliun dari were posted at Rp5.72 trillion, an increase of Rp1.96 trillion

2021 Annual Report
tahun sebelumnya sebesar Rp3,76 triliun. Di sisi beban compared to the previous year, which amounted to Rp3.76
pendanaan (margin expense), tercatat turun 8,34% dengan trillion. Margin expense was posted to have decreased by
adanya fokus terhadap akuisisi pendanaan dengan lower 8.34% with a focus on funding acquisitions with a lower cost
cost of fund. of funds.
Kinerja Penghimpunan Dana Segmen Usaha Korporasi Funding Performance of the Corproate and Commercial
dan Komersial Business Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Dana Pihak Ketiga 5.716 3.759 1.957 52,05% Third Party Fund
Margin Expense 160,35 174,94 14,59 -8,34% Margin Expense
Service Fee 9,25 8,12 1,13 13,94% Service Fee
Trade Fee 39,50 50,35 -10,85 -21,54% Trade Fee
Kinerja Pembiayaan Segmen Usaha Korporasi dan Financing Performance of the Corporate and Commercial
Komersial Business Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Pembiayaan 11.467 20.145 -8.679 -43,08% Financing
Margin Income 869,85 784,65 85,20 10,86% Margin Income
Financing Fee 16,49 21,25 -4,76 -22,40% Financing Fee
Sementara itu, pembiayaan segmen Korporasi dan Komersil Meanwhile, financing for the Corporate and Commercial
pada 2021 tercatat sebesar Rp11,47 triliun, menurun 43,08% segment in 2021 was posted at Rp11.47 trillion, a decrease
dari posisi tahun lalu yang sebesar Rp20,15 triliun. Penurunan of 43.08% compared to the position in the previous year,
tersebut sebagai hasil dari rangkaian aksi korporasi Bank which amounted to Rp20.15 trillion. The decline was a
yang sejalan dengan strategi portofolio pembiayaan Bank result of the Bank’s series of corporate actions, in line with
yaitu tetap fokus kepada aktivitas pemeliharaan portofolio the Bank’s financing portfolio strategy, namely to remain
pembiayaan yang sehat dan aktivitas selektif pencairan focused on maintaining a sound financing portfolio and
pembiayaan, terutama saat pandemi COVID-19 melanda. selective financing disbursement activities, especially during
the COVID-19 pandemic.

Strategi tahun Bank Muamalat pada tahun 2022 masih The 2022 strategy of Bank Muamlat still emphasizes the
menekankan fokus pada nasabah BUMN dan korporasi focus on SOEs and corporate customers with good financing
dengan peringkat (rating) pembiayaan yang baik. Bank juga ratings. The bank is also going to develop cash management
akan melakukan pengembangan layanan cash management services (Madina) and make it a priority to support funding
(Madina) dan menjadikannya sebagai prioritas untuk with a lower cost of funds.
mendukung pendanaan dengan lower cost of fund.
Total pendapatan segmen usaha korporasi dan komersial Total revenue from the corporate and commercial business
mencapai Rp-189,56 miliar, naik dibandingkan dengan tahun segments reached Rp-189.56 billion, an increase compared
2020 yang mencapai Rp-355,55 miliar. Kinerja tersebut to 2020 which reached Rp-355.55 billion. This performance
disebabkan oleh perbaikan dari sisi margin pembiayaan. was due to improvements in terms of financing margins.

Kinerja Profitabilitas Segmen Usaha Korporasi dan Profitability Performance of the Corporate and
Komersial Commercial Business Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Net Margin Pembiayaan -279,03 -454,33 175,30 38,58% Financing Net Margin
Net Margin Pendanaan -5,02 -17,75 12,72 71,71% Funding Net Margin
Fee Income 94,49 116,53 -22,04 -18,91% Fee Income
Pendapatan Operasional -189,56 -355,55 165,99 46,69% Operating Income
SEGMEN PERBANKAN INTERNASIONAL INTERNATIONAL BANKING SEGMENT

Segmen Perbankan Internasional memiliki segmen pasar The International Banking segment has market segments
antara lain nasabah individu, korporasi, institusi keuangan that include individual customers, corporations, financial
dan NBFI (Non Bank Financial). Hingga berakhirnya tahun institutions, and NBFI (Non-Bank Financial). As of the end of
buku 2021, produk dan layanan yang diberikan oleh segmen the 2021 fiscal year, the products and services provided by
usaha perbankan internasional seperti diuraikan dalam the international banking business segment are described in
tabel di bawah ini. the following table.
Produk/Jasa Uraian Layanan

Products/Services Services Description
Financing • Working Capital
• Contract Financing
• Trade Financing
Funding • Qard Current account
• Time Deposit
Treasury • Forex
• Money Market
Transactional • Cash Management
• Remittance
• Trade Finance

Pada tahun 2021, Bank Muamalat Indonesia terus melakukan In 2021, Bank Muamalat Indonesia continued to diversify
diversifikasi pendanaan, baik dengan penambahan its funding, both by increasing the number of customers
jumlah nasabah maupun mitra bank dari mancanegara, and bank partners from overseas, especially with banks
terutama dengan bank-bank yang terafiliasi dengan Islamic affiliated with the Islamic Development Bank. The Bank also
Development Bank. Bank juga mempertegas Target Market emphasized the Target Market and Risk Acceptance Criteria
and Risk Acceptance Criteria (TMRAC) untuk financing di (TMRAC) for financing at the Kuala Lumpur branch, Malaysia,
Kantor Cabang Kuala Lumpur, Malaysia, sehingga bisnis to ensure that the Bank’s businesses have clear guidelines in
Bank memiliki panduan yang jelas dalam membidik target targeting customers.
nasabah.
Kinerja Pada tahun 2021 Performance in 2021

Bank Muamalat Indonesia membukukan Dana Pihak Ketiga Bank Muamalat Indonesia posted a 12.62% decrease for
(DPK) segmen Perbankan Internasional turun 12,62%, Third Party Funds (DPK) in the International Banking segment
menjadi Rp1,12 triliun dari posisi tahun 2020 yang sebesar to Rp1.12 trillion from the position in 2020, which amounted
Rp1,28 triliun. Kondisi tersebut disebabkan oleh penawaran to Rp1.28 trillion. This condition was due to competitive
nisbah yang kompetitif. Sementara pembiayaan segmen ratio offerings. Meanwhile, financing for the International
Perbankan Internasional tercatat sebesar Rp632,36 miliar, Banking segment was posted at Rp632.36 billion, a decrease
turun 21,64% dari posisi tahun sebelumnya yang sebesar of 21.64% compared to the previous year’s position of
Rp807 miliar. Adapun rekening nasabah dari segmen Rp807 billion. Furthermore, customer accounts from the
Perbankan Internasional tercatat sebanyak 4.485 pada tahun International Banking segment in 2021 were posted at 4,485,
2021, meningkat 12,80% dari posisi tahun 2020 yang sebesar an increase of 12.80% compared to the position in 2020,
3.976. Penyebab kenaikan tersebut ialah dikarenakan which was 3,976. The reason for the increase was due to the
strategi Bank melalui Kantor Cabang Kuala Lumpur yang Bank’s strategy through the Kuala Lumpur Branch Office that

2021 Annual Report
fokus pada target pasar di Bisnis Layanan Uang (Money focuses on the target market in the Money Services Business,
Services Business), yaitu nasabah yang berentitas korporasi namely customers who are corporations or individuals with
atau individu yang memiliki bisnis atau pengiriman uang cross-border money transfer or businesses.
lintas batas.
Kinerja Penghimpunan Dana dan Penyaluran Dana Performance of Fundraising and Distribution of
Segmen Usaha Perbankan Internasional International Banking Business Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Dana Pihak Ketiga 1.117 1.278 -161,35 -12,62% Third Party Fund
Pembiayaan 632 807 -175 -21,64% Financing
Rekening/Nasabah 4,485 3.976 509 12,80% Account/Customer
Kinerja Pendapatan Segmen Usaha Perbankan Income Performance of the International Banking
Internasional Business Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
NIM Financing 18,41 27,23 -8,82 -32,39% NIM Financing
NIM Funding 18,80 20,41 -1,61 -7,88% NIM Funding
Total NIM 37,21 47,63 -10,43 -21,89% Total NIM
Di sisi lain, total pendapatan Perbankan Internasional pada On the other hand, the total revenue of International
tahun 2021 sebesar Rp37,21 miliar, menurun 21,89% dari Banking in 2021 amounted to Rp37.21 billion, a decrease
capaian tahun 2020 Rp47,63 miliar yang disebabkan oleh of 21.89% compared to the achievement in 2020, which
volatilitas spread di pasar forex sepanjang tahun 2021. amounted to Rp47.63 billion, due to the volatility of spreads
Adapun penurunan pendapatan paling signifikan sepanjang in the forex market throughout 2021. The most significant
tahun 2021 yaitu NIM financing dengan penurunan sebesar decline in revenue throughout 2021, was NIM financing with
32,39% dari Rp27,23 miliar pada tahun 2020 menjadi Rp18,41 a decrease of 32.39% from Rp27.23 billion in 2020 to Rp18.41
miliar pada tahun 2021. billion in 2021.
Kinerja profitabilitas segmen Perbankan Internasional yang The profitability performance of the International Banking
merupakan hasil dari cabang Kuala Lumpur pada tahun segment as a result of the Kuala Lumpur branch in 2020
2021 untuk net profit, financing income dan fee-based income. increased in terms of net profit, financing income and fee-
Net profit turun 21,89%, dari Rp48 miliar pada tahun 2020 based income. Net profit decreased by 21.89%, from Rp48
menjadi Rp37 miliar pada tahun 2021. Untuk financing billion in 2020 to Rp37 billion in 2021. Financing income at the
income per akhir tahun 2021, turun 32,39% menjadi Rp18 end of 2021 decreased by 32.39% to Rp18 billion compared
miliar dibandingkan pembukuan tahun 2020 yang sebesar to the 2020 bookkeeping, which amounted to Rp27 billion.
Rp27 miliar.
Fee-based income dari aktivitas pembiayaan dan On the other hand, fee-based income from financing and
pengumpulan dana justru meningkat, yakni sebesar fundraising activities increased by 26.52% to Rp24.67 billion
26,52% menjadi Rp24,67 miliar per 31 Desember 2021 as of December 31, 2021 compared to the same period in
dari periode yang sama dari tahun sebelumnya sebesar the previous year, which amounted to Rp19.50 billion. The
Rp19,50 miliar. Pertumbuhan itu didukung oleh pendapatan growth was supported by ujroh income from new customer
ujroh atas financing nasabah baru yang diperoleh di bulan financing obtained in December 2021.
Desember 2021.

Kinerja Profitabilitas Segmen Perbankan Internasional Profitability Performance of the International Banking
Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Net Profit 37,21 47,63 -10,43 -21,89 Net Profit
Fee Based Income 24,67 19,50 5,17 26,52 Fee Based Income
Financing Fee 0,75 0,83 -0,08 -9,76 Financing Fee
Service Charge Fee 0,75 0,55 0,20 35,81 Service Charge Fee
Gain on Forex 14,52 18,12 -3,61 -19,90 Gain on Forex
Trade Fee 8,66 - 8,66 866,03 Trade Fee

Untuk tahun 2022, Bank Muamalat Indonesia akan fokus For 2021, Bank Muamalat Indonesia will focus on remittance
pada inovasi layanan remitansi khususnya untuk diaspora services innovation, especially for Indonesian diaspora in
Indonesia yang ada di Malaysia. Selain itu, meningkatkan Malaysia. In addition, increasing the procurement of Badan
penyediaan layanan pembayaran Badan Penyelenggara Penyelenggara Jaminan Sosial Ketenagakerjaan (BPJSTK)
Jaminan Sosial Ketenagakerjaan (BPJSTK) untuk Tenaga Kerja payment services for Indonesian Workers in Malaysia
Indonesia di Malaysia melalui kerja sama dengan berbagai through cooperation with various strategic parties, including
pihak strategis, baik institusi pemerintahan, money transfer government institutions, money transfer operator, and local
operator, dan bank lokal. banks.
SEGMEN TREASURY TREASURY SEGMENT

Hingga berakhirnya tahun buku 2021, produk dan layanan As of the end of the 2021 fiscal year, products and services
yang diberikan oleh segmen usaha treasury seperti diuraikan provided by the treasury business segment are described in
dalam tabel di bawah ini. the following table.
Produk Uraian Description

Product
Money Market Transaksi Bank Muamalat Indonesia dalam rangka Bank Muamalat Indonesia transactions in order to
mengelola likuiditas dengan Bank Indonesia dan manage liquidity with Bank Indonesia and interbanks,
antarbank, baik di dalam dan luar negeri, dimana dalam
both domestically and abroad, where in this
pengelolaan ini treasury mencatatkan pendapatan dan
management the treasury records income and costs in
biaya berupa margin, bagi hasil, athaya dan ujroh atas
the form of margin, profit sharing, athaya and ujroh for
penempatan dana tersebut sebagai berikut: the placement of these funds as follows:
• transaksi dengan Bank Indonesia: Operasi pasar
• transactions with Bank Indonesia: Open market
terbuka seperti SUKBI, SBIS, TD valas, PASBI danoperations such as SUKBI, SBIS, TD foreign
standing facilities seperti FASBI dan FLISBI exchange, PASBI and standing facilities such as
FASBI and FLISBI
•
transaksi Antarbank: SIMA (Indonesia), DP2 • Interbank transactions: SIMA (Indonesia), DP2
(Deposito Pihak ke-2), dan Commodity Murabahah (2nd Party Deposit), and Commodity Murabahah
(Cabang Kuala Lumpur) (Kuala Lumpur Branch)
Foreign Exchange Transaksi Bank Muamalat Indonesia dalam rangka Bank Muamalat Indonesia transactions in order to
memenuhi kebutuhan nasabah dan dan memenuhi meet customer needs and meet the needs of the bank
kebutuhan bank (banking position) untuk memperoleh (banking position) to obtain fee-based income through
fee-based income melalui mata uang USD, MYR, SGD, the currencies of USD, MYR, SGD, EUR, JPY, SAR, and
EUR, JPY, SAR, dan KWD. Produk forex adalah sebagai KWD. Forex products are as follows:
berikut:
• Cash transaction: today, tom (tomorrow) dan spot • Cash transactions: today, tom (tomorrow) and spot
• Hedging transaction: hedging sederhana (forward/ • Hedging transactions: simple hedging (forward/
Al-Tahawwuth al-Basith) dan hedging kompleks Al-Tahawwuth al-Basith) and complex hedging
(Al- Tahawwuth al-Murakkab) (AlTahawwuth al-Murakkab)
Selain itu, juga melayani exotic currency seperti Won In addition, it also serves exotic currencies such as
Korea (KRW), Dinar Jordan (JOD), dan Thailand Bath Korean Won (KRW), Jordanian Dinar (JOD), and Thai
(THB). Nasabah juga dapat melakukan jual beli Bath (THB). Customers can also buy and sell banknotes
banknote ke Bank Muamalat Indonesia untuk mata to Bank Muamalat Indonesia for USD, SAR, and SGD
uang USD, SAR, dan SGD. Transaksi tersebut dilakukan currencies. These transactions are carried out with
dengan nasabah individu, korporasi dan antarbank, individual, corporate and interbank customers, both in
baik di Indonesia maupun di cabang Kuala Lumpur, Indonesia and at the Kuala Lumpur, Malaysia branch.
Malaysia

2021 Annual Report
Produk Uraian Description

Product
Fixed income (sukuk) Transaksi Bank Muamalat Indonesia dalam rangka Bank Muamalat Indonesia transactions in order to
memenuhi kebutuhan nasabah dalam berinvestasi meet customer needs in investing in sukuk and meeting
sukuk dan memenuhi kebutuhan bank (banking the bank’s needs (banking position) for IDR and USD
position) untuk mata uang IDR dan USD. Sukuk currencies. Sukuk that are transacted are sukuk issued
yang ditransaksikan adalah sukuk yang diterbitkan by the government and corporations. Sukuk that are
oleh pemerintah dan korporasi. Sukuk yang aktif actively transacted are SR (Retail Sukuk), PBS (Project
ditransaksikan adalah SR (Sukuk Ritel), PBS (Project Based Sukuk) and Indois (government Sukuk in USD)
Based Sukuk) dan Indois (Sukuk pemerintah mata uang
USD)
Transaksi dilakukan dengan nasabah individu, Transactions are carried out with individual, corporate
korporasi dan antarbank. Adapun tujuan transaksi and interbank customers. The purpose of the sukuk
sukuk adalah untuk memperoleh fee-based income transaction is to obtain fee-based income and margin/
dan pendapatan margin/ujroh atas kupon sukuk pada ujroh income from the sukuk coupons in the banking
portofolio banking book. book portfolio.

Bank Muamalat Indonesia melakukan sejumlah strategi Bank Muamalat Indonesia conducts a number of strategies
untuk mendorong kinerja segmen treasury yang mencakup: to boost the performance of the treasury segment, which
includes:
1. Melayani jual beli sukuk retail dan sukuk pemerintah 1. Serving trade of retail and government sukuk in IDR and
mata uang IDR dan USD untuk nasabah individu dan USD currency for individual and corporate customers as
korporasi sebagai pilihan investasi. investment option.
2. Melayani transaksi forex baik tod tom spot dan juga 2. Serving forex transactions, both tod tom spot and also
hedging dalam berbagai mata uang. hedging in various currencies.
3. Meningkatkan kerja sama cross selling dengan produk 3. Increasing the cross selling cooperation with other
bank lainnya, baik wholesale maupun retail. Banking products, both wholesale or retail.
4. Melakukan pembelian sukuk untuk portofolio banking 4. Purchasing sukuk for banking portfolios that provide
yang memberikan imbal hasil yang optimal. optimal return.
5. Mengoptimalkan cabang Kuala Lumpur dalam 5. Optimizing Kuala Lumpur branch in providing foreign
memberikan layanan transaksi foreign exchange. exchange transactions services.
Kinerja Performance
Volume transaksi forex nasabah pada tahun 2021 melambat. The volume of customer forex transactions in 2021 slowed
Per 31 Desember 2021, volume forex sebesar USD742 juta, down. As of 31 December 31, 2021, forex volume amounted
menurun 11,57% dari posisi tahun 2020 yang sebesar to USD742 million, a decrease of 11.57% compared to the
USD97,19 juta. Penurunan volume forex disebabkan oleh 2020 position, which amounted to USD97.19 million. The
perokonomian selama tahun 2021 masih belum pulih akibat decline in forex volume was due to the economy during
pandemic COVID-19, kebutuhan penggunaan mata uang 2021 that has not recovered due to the COVID-19 pandemic,
asing juga mengalami penurunan. which reduced the need for the use of foreign currencies.
Adapun volume transaksi sukuk nasabah yang pada tahun The volume of customer sukuk transactions in 2021 was
2021 tercatat sebesar Rp119,86 miliar, meningkat 68% atau posted at Rp119.86 billion, an increase of 68% or Rp48.66
Rp48,66 miliar dari Rp71,20 miliar pada tahun 2020. Kenaikan billion from Rp71.20 billion in 2020. The increase in customer
volume sukuk nasabah ini dipicu adanya peningkatan sukuk volume was driven by an increase in customer
layanan jual beli sukuk nasabah, tidak hanya untuk sukuk sukuk trading services, not only for retail sukuk but also
ritel tetapi juga untuk sukuk pemerintah dengan mata for government sukuk denominated in IDR and USD. Bank
IDR dan USD. Nasabah Bank Muamalat Indonesia merasa Muamalat Indonesia customers feel the need to make
perlu melakukan pembelian ke sukuk sebagai bagian sukuk purchases as part of their investment diversification,
dari diversifikasi investasinya, terutama di saat pandemi especially during the ongoing COVID-19 pandemic.
COVID-19 yang belum usai.
Tabel Kinerja Segmen Usaha Treasury Performance of the Treasury Business Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Volume Forex Nasabah (juta USD) 742,99 840,18 -97,19 -11,57% Forex Volume (USD million)
Volume Sukuk Nasabah 119,86 71,20 48,66 68,34% Customer Sukuk Volume
(Rp milliar) (Rp billion)

Fee-Based Income (FBI) forex turun sebesar Rp7 miliar atau Forex Fee-Based Income (FBI) decreased by Rp7 billion or
21,88% dari posisi tahun lalu yang sebesar Rp32 miliar 21.88% compared to the position in the previous year, which
menjadi Rp25 miliar. Penurunan itu dikarenakan volume amounted to Rp32 billion, to Rp25 billion. The decrease was
transaksi nasabah yang mengalami penurunan dikarenakan due to the decline in customer transactions volume due to
kebutuhan transaksi mata uang asing yang turun selama the decreasing need for foreign currency transactions during
pandemi COVID-19 di tahun 2021. the COVID-19 pandemic in 2021.
Adapun, FBI sukuk meningkat seiring dengan bertambahnya Meanwhile, FBI of sukuk increased, in line with the increase
jumlah dan volume transaksi nasabah. Pada tahun 2021, FBI in the number and volume of customer transactions. In 2021,
sukuk Bank Muamalat Indonesia meningkat sebesar 3,85% Bank Muamalat Indonesia’s FBI sukuk increased by 3.85% to
menjadi Rp5,4 miliar dari posisi tahun sebelumnya yang Rp5.4 billion from the position in the previous year, which
sebesar Rp5,2 miliar. Hal ini selaras dengan volume transaksi amounted to Rp5.2 billion. This is in line with the increasing
nasabah yang meningkat. volume of customer transactions.
Di tengah stabilnya likuiditas bank di tahun 2021, margin In the midst of stable bank liquidity in 2021, treasury income
income treasury pada tahun 2021 tercatat sebesar margin in 2021 was posted at Rp336 billion, an increase of
Rp336 miliar, naik 28,74% dari posisi tahun 2020 yang 28.74% from the position in 2020, which amounted to Rp261
sebesar Rp261 miliar. Sementara untuk menguatkan rasio billion. Meanwhile, to strengthen the liquidity ratio and liquid
likuiditas dan alat liquid, treasury melakukan pembelian tools, the treasury made purchases for the banking book
untuk portofolio banking book. portfolio.
Kinerja Profitabilitas Treasury Profitability Performance of Treasury

Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Margin Income 336 261 75 28,74% Margin Income
Fee-based Forex 25 32 -7 -21,88% Fee-based Forex
Fee-based Sukuk 5,4 5,2 0,2 3,85% Fee-based Sukuk

Bank Muamalat Indonesia telah menetapkan sejumlah Bank Muamalat Indonesia has determined a number of
strategi untuk mendorong kinerja segmen treasury pada strategies to boost the performance of the treasury segment
tahun 2022, yaitu: in 2021, namely:
1. Perluasan penjualan sukuk untuk nasabah asing dan 1. Expansion of sukuk sales for foreign and corporate
korporasi melalui cabang Kuala Lumpur, selain tentunya customers through Kuala Lumpur branch, apart from
menambah customer based dan volume transaksi untuk adding customer based and transaction volume for
nasabah domestik, baik individu maupun korporasi. domestic customers, both individually or corporate.
2. Pemasaran forex, baik cash maupun hedging yang sesuai 2. Forex marketing, both cash or hedging in accordance
dengan prinsip syariah secara lebih intens. with sharia principles more intensely.
3. Mengembangkan pasar uang antarbank melalui produk 3. Develop interbank money market through interbank
sertifikat pengelolaan dana berdasarkan prinsip syariah sharia principles (SiPA)-based fund management
antar bank (SiPA). certificate products.
4. Memperkuat rasio PLM, alat likuid, RIM, RPIM dan rasio 4. Strengthen the PLM, liquid tools, RIM, and RPIM ratios,
lainnya dengan melakukan investasi yang optimal pada as well as other ratios through optimal investments
sukuk, reksa dana, dan produk pasar keuangan lainnya. in sukuk, mutual funds, and other financial market
products.

2021 Annual Report
Tinjauan Kinerja Keuangan

Financial Performance Overview
Uraian mengenai kinerja keuangan ini disusun berdasarkan The discussion on financial performance was prepared based
Laporan Keuangan Bank yang disajikan sesuai dengan on the Bank’s Financial Statements presented in accordance
Standar Akuntansi Keuangan (SAK) di Indonesia, yang with the Indonesian Financial Accounting Standards (FAS),
termasuk Pernyataan Standar Akuntansi Keuangan (“PSAK”) which include the Statement of Financial Accounting
yang berakhir pada tanggal 31 Desember 2021. Laporan Standards (SFAS) for the year ended on December 31,
Keuangan diaudit oleh Kantor Akuntan Publik (KAP) Doli, 2021. The Financial Statements have been audited by the
Bambang, Sulistiyanto, Dadang, dan Ali dengan opini Public Accounting Firm (KAP) Doli, Bambang, Sulistiyanto,
laporan keuangan disajikan secara wajar, dalam semua hal Dadang, dan Ali with fair opinion in all material matters,
yang material, posisi keuangan Bank Muamalat Indonesia the financial position of Bank Muamalat Indonesia as of
pada tanggal 31 Desember 2021, dan kinerja keuangan, arus December 31, 2021, as well as the financial performance,
kas, rekonsiliasi pendapatan dan bagi hasil, sumber dan cash flow, reconciliation of income and proft sharing, sources
penyaluran dana zakat serta sumber dan penggunaan dana and distribution of zakat funds, as well as sources and
kebajikan untuk tahun yang berakhir pada tanggal tersebut, utilization of charity funds for the year ended on that date,
sesuai dengan Standar Akuntasi Keuangan di Indonesia. are in accordance with the Indonesian Financial Accounting
Standards.
ASET ASSETS
Hingga akhir tahun buku 2021, total aset Bank mencapai Up to the end of the 2021 fiscal year, the Bank’s total assets
Rp58,90 triliun. Dibandingkan dengan posisi tahun reached Rp58.90 trillion. Compared to the position in the
sebelumnya sebesar Rp51,24 triliun, terjadi kenaikan previous year’s position of Rp51.24 trillion, there was an
Rp7,66 miliar atau 14,94%, antara lain disebabkan oleh increase of Rp7.66 billion, or 14.94%, partly due to a quite
peningkatan yang cukup signifikan dalam investasi pada significant increase in investment in securities in 2021. In
surat berharga di tahun 2021. Selain itu, meningkatnya addition, the increased public confidence in Bank Muamalat
kepercayaan masyarakat terhadap Bank Muamalat berhasil succeded to increase the collection of public funds, which
meningkatkan penghimpunan dana masyarakat yang pada ultimately will increase liquidity.
gilirannya akan menambah likuiditas.
Tabel Perkembangan Aset Development of Assets Table

(Rp miliar) (Rp billion)
Keterangan 2021 2020 2019 Description
Aset Lancar 34.585 16.251 14.997 Current Assets
Kas 745 733 765 Cash
Giro dan Penempatan pada Bank Indonesia 6.502 2.836 2.505 Current Account and Placement at
Bank Indonesia
Giro pada Bank Lain 398 493 340 Current Accounts with Other Banks
Penempatan pada Bank Lain 4 4 39 Interbank Placements
Investasi pada Surat Berharga 26.936 12.185 11.348 Investment in Securities
Aset Tidak Lancar 24.313 34.990 35.560 Non Current Assets
Piutang 7.703 12.905 14.152 Receivables
Piutang Murabahah 7.700 12.881 14.138 Muharabah Receivables
Piutang Istishna 2 18 4 Istishna Receivables
Piutang Ijarah 1 7 10 Ijarah Receivables
Pinjaman Qardh 689 898 581 Qardh Loans
Pembiayaan Mudharabah 526 620 757 Mudharabah Financing
Pembiayaan Musyarakah 9.122 14.478 14.207 Musyarakah Financing
Penyertaan Saham 408 408 408 Shares
Tagihan Akseptasi 127 126 411 Acceptance Receivables
Aset yang Diperoleh untuk Ijarah 0,3 182 181 Assets Received for Ijarah
Cadangan Kerugian Penurunan Nilai -675 -596 -569 Allowance for Impairment Losses
Aset Tetap 2.844 2.985 3.132 Fixed Assets
Aset Pajak Tangguhan 140 142 143 Differed Tax Assets
Aset Lain-lain-Neto 3.429 2.842 2.157 Other Assets-Net
Total Aset 58.899 51.241 50.556 Total Assets

Aset Lancar Current Assets

Hingga 31 Desember 2021, Bank mencatatkan aset lancar As of December 31, 2021, the Bank posted Rp34.59 trillion
sebesar Rp34,59 triliun, naik Rp18,33 triliun atau 53% dari for current assets, an increase of Rp18.33 trillion or 53%
periode yang sama tahun sebelumnya yang tercatat sebesar compared to the same period in the previous year, which
Rp16,25 triliun. Kenaikan aset lancar tersebut lebih banyak was posted at Rp16.25 trillion. The increase in current assets
disebabkan oleh meningkatnya investasi Bank pada surat was mostly due to the increase in the Bank’s investment
berharga. Peningkatan akun tersebut dikarenakan Bank in securities. The increase in the account was due to the
membeli sukuk korporasi dengan nilai yang material di tahun Bank purchasing corporate sukuk with a material value in
2021. Pembelian sukuk korporasi ini juga terkait transaksi 2021. The purchase of corporate sukuk was also related to
aksi korporasi yang dilakukan oleh Bank. corporate action transactions carried out by the Bank.
Aset Tidak Lancar Non-Current Assets

Bank membukukan aset tidak lancar pada tahun 2021 The Bank posted Rp24.31 trillion for non-current assets in
sebesar Rp24,31 triliun, turun dari tahun buku 2020 yang 2021, a decrease compared to the 2020 fiscal year, which
sebesar Rp34,99 triliun. Perubahan tersebut disebabkan oleh amounted to Rp34.99 trillion. The change was due to the
dampak dari penjualan portofolio piutang dan pembiayaan impact of the sale of the receivables portfolio and the part of
sebagai bagian dari transaksi aksi korporasi di tahun 2021. corporate action transactions in 2021.
LIABILITAS LIABILITIES
Total liabilitas Bank Muamalat Indonesia sampai dengan 31 Total liabilities of Bank Muamalat Indonesia until December
Desember 2021 sebesar Rp11,55 triliun naik Rp2,04 miliar 31, 2021 amounted to Rp11.55 trillion, up Rp2.04 billion or
atau 21,40% dibandingkan dengan periode yang saha tahun 21.40% compared to the previous year’s legitimate period of
sebelumnya yang sebesar Rp9,5 triliun. Kenaikan tersebut Rp9.5 trillion. The increase is an increase in the collection of
merupakan peningkatan penghimpunan dana pihak ketiga third-party funds in the form of current accounts and savings
dalam bentuk giro dan tabungan wadiah sebesar 31,49%. by 31.49%.
Tabel Perkembangan Liabilitas Development of Liabilities Table

Liabilitas Jangka Pendek 10.821 7.582 7.202 Short-term Liabilities
Liabilitas Segera 1.083 120 88 Current Liabilities
Bagi Hasil yang Belum Dibagikan 40 75 76 Undistributed Revenue Sharing
Simpanan 9.676 7.359 7.004 Deposits
Giro Wadiah 4.096 2.565 2.532 Wadiah Checking Account
Tabungan Wadiah 5.581 4.794 4.472 Wadiah Savings Account
Utang Pajak 22 28 34 Tax Payable
Liabilitas Jangka Panjang 733,8 1.936 2.422 Long-term Liabilities
Estimated Liabilities for Employment
Estimasi Liabilitas Imbalan Kerja 154 162 175
Benefits
Liabilitas kepada Bank Indonesia – 1.302 1.352 Payables to Bank Indonesia
Simpanan dari Bank Lain 79 87 117 Savings of Other Banks
Liabilitas Akseptasi 25 25 262 Acceptance Payable
Pinjaman yang Diterima 100 100 278 Fund Borrowing
Estimasi Kerugian Komitmen dan Estimated Losses on Commitments and
0,8 2 2
Kontinjensi Contingencies
Liabilitas Lain-lain 375 258 236 Other Liabilities
Total Liabilitas 11.555 9.518 9.624 Total Liabilities
Liabilitas Jangka Pendek Short-Term Liabilities

Hingga berakhirnya tahun buku 2021, liabilitas jangka Up to the end of the 2021 fiscal year, the Bank’s short-term
pendek Bank senilai Rp10,82 triliun, naik sebesar Rp3,24 liabilities amounted to Rp10.82 trillion, an increase of Rp3.24
triliun dibandingkan tahun buku 2020 yang sebesar Rp7,58 trillion compared to the 2020 fiscal year, which amounted
triliun. Perubahan yang cukup signifikan pada liabilitas jangka to Rp7.58 trillion. The significant change in short-term
pendek disebabkan oleh peningkatan penghimpunan dana liabilities was due to an increase in the collection of funds
dengan akad wadiah. Selain itu, perubahan liabilitas jangka using the wadiah contract. In addition, the change in short-

2021 Annual Report
pendek tersebut juga dikarenakan adanya peningkatan pos term liabilities was also due to an increase in other deposit
titipan lainnya yang merupakan titipan dana pelaksanaan items, which were funds deposited for the implementation
Penambahan Modal Tanpa Hak Memesan Efek Terlebih of Capital Increase Without Pre-emptive Rights VI (PMHMETD
Dahulu VI (PMHMETD VI) dari Pemegang Saham yang VI) from Shareholders exercising their Pre-emptive Rights
melaksanakan Hak Memesan Efek Terlebih Dahulu (HMETD) (HMETD) since the commencement of Preemptive Rights
yang dimilikinya sejak dimulainya periode perdagangan trading period on 30 December 2021.
HMETD pada 30 Desember 2021.
Liabilitas Jangka Panjang Long-Term Liabilities

Bank mencatatkan liabilitas jangka panjang per 31 Desember The Bank posted Rp0.73 trillion for liabilities as of 31
2021 sebesar Rp0,73 triliun, turun dari periode yang sama December 2021, a decrease compared to the same period in
tahun 2020 yang sebesar Rp1,94 triliun. Disebabkan oleh 2020, which amounted to Rp1.94 trillion. This was due to the
penurunan pos liabilitas kepada Bank Indonesia, seiring decrease in the post liability to Bank Indonesia, along with
dengan telah lunasnya fasilitas tersebut. the payment of the facility.
Dana Syirkah Temporer Temporary Syirkah Funds
Tabel Perkembangan Dana Syirkah Temporer Development of Temporary Syirkah Funds


Giro Mudharabah 2.147 1.624 1.190 Mudharabah Account
Tabungan Mudharabah 11.038 10.235 10.815 Mudharabah Deposit
Deposito Mudharabah 25.648 23.946 22.889 Mudharabah Time Deposit
Surat Berharga yang Diterbitkan 4.525 1.952 2.092 Securities Issued
Total Dana Syirkah Temporer 43.358 37.757 36.995 Total Syirkah Temporary Fund
Bank berhasil membukukan dana syirkah temporer sebesar As of December 31, 2021, the Bank managed to post Rp43.36
Rp43,36 triliun hingga 31 Desember 2021, naik Rp5,60 miliar trillion for temporary syirkah funds, an increase of Rp5.60
atau 14,84% dari periode yang sama tahun sebelumnya yang billion or 14.84% compared to the same period the previous
tercatat sebesar Rp37,76 triliun. Kenaikan tersebut terutama year, which was posted at Rp37.76 trillion. This increase was
ditunjang oleh penambahan dana Deposito Mudharabah di mainly supported by the addition of mudharabah deposit
tahun 2021 sebesar Rp1,70 triliun. funds in 2021 amounting to Rp1.70 trillion.
Peningkatan tersebut menyebabkan posisi Deposito This increase caused the position of Mudharabah Deposits in
Mudharabah di tahun 2021 mencapai Rp25,65 triliun, naik 2021 to reach Rp25.65 trillion, increasing from the previous
dari posisi tahun sebelumnya yang sebesar Rp23,95 triliun. year’s position of Rp23.95 trillion. The Bank also issued
Bank juga melakukan penerbitan Sukuk Mudharabah di Sukuk Mudharabah in 2021 so the account for Securities
tahun 2021 sehingga pos Surat Berharga yang Diterbitkan Issued increased to Rp4.53 trillion compared to the previous
meningkat menjadi Rp4,53 triliun dari tahun sebelumnya year, which amounted to Rp1.95 trillion.
sebesar Rp1,95 triliun.
Dana Pihak Ketiga Third Party Funds
Tabel Perkembangan Dana Pihak Ketiga Development of Third-Party Funds


Giro 6.148 4.106 3.663 Demand Deposits
Tabungan 16.033 14.543 14.781 Savings
Deposito 24.689 22.776 21.913 Time Deposits
Total Dana Pihak Ketiga 46.871 41.424 40.357 Total Third Party Fund

Dana pihak ketiga Bank Muamalat pada tahun buku 2021 Bank Muamalat’s third-party fund in fiscal year 2021
sebesar Rp46.871 miliar, naik sebesar Rp5.447 miliar atau amounted to Rp46,871 billion, an increase of Rp5,447 billion
13,2% dari tahun buku 2020 yang tercatat Rp41.424 miliar. or 13.2% from the 2020 financial year which was recorded
Peningkatan dana pihak ketiga lebih banyak disebabkan at Rp41,424 billion. The increase in third party funds was
oleh peningkatan akusisi dana dari nasabah ritel melalui mainly due to an increase in the acquisition of funds from
program-program yang dilakukan oleh Bank, di antaranya retail customers through programs carried out by the
adalah program bulk acquisition yang dilakukan pada instansi Bank, including the bulk acquisition program conducted at
pendidikan, sosial, keagamaan, dan kesehatan. educational, social, religious, and health institutions.
Dari ketiga produk dana pihak ketiga, kenaikan terbesar Of the three third-party fund products, the largest increase
dialami oleh produk giro dan tabungan (Current Account was experienced by current account and savings products
& Saving Account/CASA) yang meningkat sebesar Rp3.533 (CASA) which increased by Rp3,533 billion, with growth of
miliar, dengan pertumbuhan sebesar 18,9%. Bank Muamalat 18.9%. In the future, Bank Muamalat will focus more on
kedepannya akan lebih fokus untuk meningkatkan akusisi increasing the acquisition of third-party funds with wadiah
dana pihak ketiga dengan akad wadiah yang tentunya contracts, which will ultimately also focus on CASA products
juga fokus pada produk CASA melalui kelanjutan program- through the continuation of programs that have been carried
program yang telah dilakukan serta mengoptimalkan out, as well as optimizing all of its networks, both office and
seluruh jaringan yang dimiliki baik jaringan kantor maupun digital channels networks.
digital channel.
EKUITAS EQUITY
Hingga akhir tahun buku 2021, ekuitas Bank mencapai Rp3,99 Until the end of fiscal year 2021, the Bank’s equity reached
triliun naik Rp19,64 miliar atau 0,50% dibandingkan dengan Rp3.99 trillion, up Rp19.64 billion or 0.50% compared to the
posisi tahun 2020 yang sebesar Rp3,97. Perubahan tersebut position in 2020 of Rp3.97. The change is due to changes in
dikarenakan perubahan saldo laba yang di antaranya profit balances, which are caused by the addition of current
disebabkan oleh penambahan laba tahun berjalan yang year profits generated by Bank Muamalat during 2021.
dihasilkan oleh Bank Muamalat selama tahun 2021.
Tabel Perkembangan Ekuitas Development of Equity Table


Modal Ditempatkan dan Disetor Penuh 1.103 1.103 1.103 Issued and Fully Paid-up Capital
Tambahan Modal Disetor - Bersih 1.579 1.579 1.579 Additional Paid-in Capital – Net
Keuntungan Pengukuran Kembali Program 78 70 60 Revaluation Profit of Fixed Return Program
Imbalan Pasti – Setelah Pajak – After tax
Keuntungan (Kerugian) Belum Direalisasi 2 0 -10 Unrealized Profit (Loss) Based on the
dari Perubahan Harga Pasar Efek Tersedia Changed in the Market Value of the
untuk Dijual Available for Sale Securities
Surplus Revaluasi atas Aset Tetap – Setelah 577 634 691 Revaluation Surplus of Fixed Assets – After
Pajak Tax
Saldo Laba 646 581 514 Retained Earnings
Total Ekuitas 3.986 3.967 3.937 Total Equity

2021 Annual Report
KINERJA LABA-RUGI INCOME STATEMENTS
Pendapatan Bank sebagai Mudharib Bank Revenue as Mudharib

Pendapatan Bank sebagai Mudharib pada tahun buku Bank’s revenue as Mudharib in the financial year ended
yang berakhir 31 Desember 2021 sebesar Rp2,14 triliun December 31, 2021 amounted to Rp2.14 trillion, a decrease
terjadi penurunan sebesar Rp0,29 triliun dibandingkan of Rp0.29 trillion compared to the performance in 2020
dengan kinerja tahun 2020 yang mencapai Rp2,43 triliun. which reached Rp2.43 trillion. This condition is caused by a
Kondisi tersebut disebabkan oleh menurunnya pendapatan decrease in financing income obtained from customers, one
pembiayaan yang didapatkan dari nasabah yang salah satu of which is caused by external factors such as the recovery
diantaranya disebabkan oleh faktor eksternal seperti belum of economic conditions due to the impact of the COVID-19
pulihnya kondisi ekonomi akibat dampak pandemi COVID-19. pandemic. In addition, corporate action transactions carried
Selain itu, transaksi aksi korporasi yang dilakukan oleh Bank out by Bank Muamalat in the form of portfolio sales also
Muamalat berupa penjualan portofolio juga menyumbang contributed to the decline in bank revenue.
penurunan pendapatan Bank.
Tabel Perkembangan Laba Rugi Development of Income Statements Table


Jumlah Pendapatan Bank sebagai 2.140 2.432 2.780 Total Revenue from Fund Managment by
Mudharib Bank as Mudharib
Hak Pihak Ketiga atas Bagi Hasil dana -1.387 -1.610 -2.397 Third Parties Share on Returns of
Syirkah Temporer Temporary Syirkah Funds
Hak Bagi Hasil Milik Bank 753 822 383 Bank’s Share in Revenue Sharing
Pendapatan Operasional Lainnya 583 575 647 Other Operational income
Beban Operasional -1.326 -1.345 -1.550 Operational Expenses
Pembalikan (Beban) Cadangan Kerugian -16 -64 507 Reverse (Expense) of Allowance for
Penurunan Nilai Aset Produktif dan Non Impairment of Productive and Non-
Produktif productive Asset Value
Keuntungan Selisih Kurs 24 30 32 Gain on Foreign Exchange
Laba (Rugi) Usaha 19 16 20 Income (Loss) from Operations
Pendapatan (Beban) Non Operasional-Neto -7 -1 7 Non-Operating (Expense) - Net Income
before Tax
Laba (Rugi) Sebelum Pajak 13 15 26 Income (Loss) before Tax
Manfaat (Beban) Pajak -4 -5 -10 Income Tax Benefits (Expense)
Laba Bersih 9 10 16 Net Profit
Laba Komprehensif Tahun Berjalan 20 30 16 Comprehensive Total Profit of the Current
Year
Laba Tahun Berjalan per Saham (Rupiah) 0,87 0,98 1,60 Profit per Base Shares – in Full Amount
(Rupiah)
Bagi Hasil Dana Syirkah Temporer Profit Sharing of Temporary Syirkah Funds
Posisi bagi hasil dana syirkah temporer pada tahun 2021 The profit-sharing position of temporary syirkah funds
tercatat sebesar Rp1,39 triliun. Dibandingkan dengan tahun in 2021 was posted at Rp1.39 trillion. Compared to the
sebelumnya yang mencapai Rp1,61 triliun, terjadi penurunan previous year, which amounted to Rp1.61 trillion, there
Rp223,53 miliar atau 13,88%. Hal ini erat kaitannya dengan was a decrease of Rp223.53 billion or 13.88%. This is closely
penurunan pendapatan yang dibagikan oleh Bank. Namun, related to the decrease in income distributed by the Bank.
penurunan ini juga sejalan dengan kondisi pasar di However, this decline was also in line with market conditions,
mana secara umum pada industri perbankan mengalami in which the banking industry experienced a decline in the
penurunan tingkat bagi hasil. rate of profit sharing in general.

Pendapatan Operasional Lainnya Other Operating Income

Pendapatan operasional lainnya yang berhasil dibukukan Other operating income that was successfully posted by
oleh Bank Muamalat pada tahun 2021 tercatat sebesar Bank Muamalat in 2021 amounted to Rp583.69 billion, an
Rp583,69 miliar, naik sebesar Rp9,05 miliar atau 1,58% dari increase of Rp9.05 billion or 1.58% compared to 2020, which
tahun 2020 yang mencapai Rp574,64 miliar. Pendapatan reached Rp574.64 billion. The majority of other operating
operasional lainnya mayoritas disumbang oleh pos income was contributed by the administration service
pendapatan Jasa administrasi maupun pendapatan jasa revenue account and other service income account. The
lainnya. Peningkatan pendapatan operasional lainnya increase in other operating income indicates that the Bank’s
mengindikasikan sudah semakin terdiversifikasinya income has become increasingly diversified.
pendapatan yang dimiliki oleh Bank.
Beban Operasional Lainnya Other Operating Expenses

Bank berhasil menurunkan beban operasional lainnya pada The Bank managed to reduce other operating expenses in
tahun 2021 hingga 1,48% atau Rp19,86 miliar, dari Rp1,35 2021 by 1.48% or Rp19.86 billion, from Rp1.35 trillion in 2020
triliun pada tahun 2020 menjadi Rp1,33 triliun. Hal tersebut to Rp1.33 trillion. This is due to the continuous efficiency
disebabkan oleh upaya efisiensi berkelanjutan maupun efforts as well as efforts to adjust to the conditions of the
upaya penyesuaian dengan kondisi pandemi COVID-19 COVID-19 pandemic through the new-normal campaign
melalui kampanye new-normal yang dilakukan oleh Bank. carried out by the Bank.
Laba Operasional Operating Profit

Pada tahun 2021, Bank Muamalat mencatatkan laba In 2021, Bank Muamalat posted Rp19.49 billion in operating
operasional sebesar Rp19,49 miliar, lebih tinggi 18,83% atau profit, 18.83% higher or an increase of Rp3.09 billion
naik Rp3,09 miliar dibandingkan realisasi tahun 2020 yang compared to the realization in 2020, which was posted at
tercatat sebesar Rp16,39 miliar. Peningkatan pendapatan Rp16.39 billion. An increase in other operating income, a
operasional lainnya, penurunan bagi hasil dana syirkah decrease in profit sharing from temporary syirkah funds,
temporer, penurunan beban operasional lainnya berhasil and a decrease in other operating expenses succeeded in
mengeliminasi penurunan pendapatan bank sebagai eliminating the decline in bank revenue as mudharib. This
mudharib. Hal tersebut menyebabkan laba operasional causes Bank Muamalat’s operating profit in 2021 to increase.
Bank Muamalat di tahun 2021 mengalami peningkatan.
Laba Sebelum Pajak Profit Before Tax

Sementara laba sebelum pajak yang berhasil dibukukan pada Moreover, profit before tax successfully posted in 2021
tahun 2021 adalah sebesar Rp12,51 miliar. Dibandingkan amounted to Rp12.51 billion. Compared to 2020, which
dengan tahun 2020 yang sebesar Rp15,02 miliar, terjadi amounted to Rp15.02 billion, there was a decrease of 16.68%
penurunan 16,68% atau Rp2,50 miliar. Penurunan itu or Rp2.50 billion. The decrease was due to an increase in
diakibatkan oleh peningkatan beban non-operasional non-operating expenses in 2021.
ditahun 2021.
Total Laba (Rugi) Komprehensif Total Comprehensive Profit (Loss)

Bank menutup tahun buku 2021 dengan laba komprehensif The Bank closed the 2021 fiscal year with a comprehensive
sebesar Rp19,64 miliar, turun sebesar 33,50% atau Rp9,89 profit of Rp19.64 billion, a decrease of 33.50% or Rp9.89
miliar dibandingkan tahun sebelumnya yang mencapai billion compared to the previous year, which reached
Rp29,53 miliar. Kondisi itu diakibatkan oleh turunnya nilai Rp29.53 billion. This condition was due to a decrease in the
aset keuangan atas efek-efek yang tersedia dijual yang value of financial assets on available-for-sale securities that
belum direalisasi. had not been realized.

2021 Annual Report
ARUS KAS CASH FLOW

Bank membukukan kas dan setara kas pada akhir tahun buku The Bank posted cash and cash equivalents at the end of fiscal
2021 sebesar Rp7.649 miliar, naik sebesar Rp3.584 miliar year 2021 of Rp7,649 billion, an increase of Rp3,584 billion
atau 88,2% dibandingkan tahun buku 2020 yang sebesar or 88.2% compared to the 2020 financial year of Rp4,065
Rp4.065 miliar. Peningkatan arus kas disebabkan oleh billion. The increase in cash flows was due to an increase
peningkatan pada arus kas dari aktivitas operasi maupun in cash flows from operating and financing activities, which
pendanaan yang secara kolektif lebih tinggi dibandingkan were collectively higher than the decrease in cash flows from
dengan penurunan pada arus kas dari aktivitas investasi. investing activities.
Tabel Perkembangan Arus Kas Development of Cash Flow Table


Arus kas dari Aktivitas Operasi 17.888 1.075 10 Cash Flow from Operating Activities
Arus Kas dari Aktivitas Investasi -15.443 -225 -1.538 Cash Flow from Investment Activities
Arus Kas dari Aktivitas Pendanaan 1.139 -433 -1.597 Cash Flow from Financing Activities
Kenaikan/(Penurunan) kas dan setara kas 3.584 417 -3.126 Net Increase (Decrease) of Cash and Cash
bersih Equivalent
Kas dan setara kas awal tahun 4.065 3.649 6.774 Cash and Cash Equivalent at the Beginning
of the Year
Kas dan setara kas akhir tahun 7.649 4.065 3.649 Cash and Cash Equivalent at the End of
the Year
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Kas bersih dari aktivitas operasi pada tahun buku 2021 Net cash from operating activities in the 2021 fiscal year
mencapai Rp17,89 triliun, mengalami peningkatan 1.564,56% reached Rp17.89 trillion, an increase of 1,564.56% or Rp16.81
atau Rp16,81 triliun dibandingkan tahun buku 2020 yang trillion compared to the 2020 financial year, which amounted
sebesar Rp1,07 triliun. Perubahan tersebut, antara lain to as Rp1.07 trillion. The changes were partly driven by
didorong oleh peningkatan arus kas dari aktivitas operasi an increase in cash flow from operating activities due to
akibat kenaikan Dana Syirkah Temporer maupun transaksi the increase in Temporary Syirkah Funds and corporate
aksi korporasi berupa penjualan portofolio pembiayaan action transactions in the form of financing portfolio sales
yang dilakukan oleh Bank di tahun 2021. conducted by the Bank in 2021.
Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Kas bersih yang digunakan untuk aktivitas investasi hingga 31 Net cash used for investment activities until December 31,
Desember 2021 adalah sebesar Rp15,44 triliun, meningkat 2021 was Rp15.44 trillion, an increase of 6,763% or Rp15.22
6.763% atau Rp15,22 triliun dari tahun sebelumnya yang trillion from the previous year which amounted to Rp225.29
sebesar Rp225,29 miliar. Hal tersebut didorong oleh billion. This was driven by the acquisition of investments in
perolehan investasi pada surat berharga yang merupakan securities, which are cash flows that come out of the purchase
arus kas yang keluar dari pembelian surat berharga baik of securities, both government-owned and corporate sukuk.
milik pemerintah maupun sukuk korporasi.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Kas Bersih yang digunakan untuk aktivitas pendanaan hingga Net Cash used for funding activities until December 31, 2021
31 Desember 2021 adalah sebesar Rp1,13 triliun, meningkat was Rp1.13 trillion, an increase of 363% or Rp1,571 billion
363% atau sebesar Rp1.571 miliar dari tahun sebelumnya from the previous year of Rp432.61 billion. This is mostly
sebesar Rp432,61 miliar. Hal tersebut mayoritas disebablan due to the issuance of mudharabah sukuk carried out by the
oleh penerbitan sukuk mudharabah yang dilakukan oleh Bank in 2021.
Bank di tahun 2021.

Kenaikan (Penurunan) Bersih Kas dan Net Increase (Decrease) in Cash and Cash
Setara Kas Equivalent
Hingga berakhirnya 31 Desember 2021, posisi kas dan Until the end of December 31, 2021, the Bank’s cash position
setara kas Bank tercatat Rp3,58 triliun, naik 759,47% atau and cash equivalents were recorded at Rp3.58 trillion,
sebesar Rp3,17 triliun dari posisi tahun sebelumnya yang up 759.47% or Rp3.17 trillion from the previous year’s
sebesar Rp416,72 miliar. Peningkatan bersih kas dan setara position of Rp416.72 billion. The net increase in cash and
kas tersebut disebabkan oleh peningkatan pada akun arus cash equivalents was due to an increase in cash flows from
kas dari aktivitas operasi maupun pendanaan yang lebih operating and financing activities that was greater than the
besar dibandingkan dengan penurunan pada arus kas dari decrease in cash flows from investing activities.
aktivitas investasi.
RASIO KINERJA PERFORMANCE RATIO

Selama 2021 Bank telah mengukur beberapa rasio kinerja During 2021, the Bank has measured several performance
sesuai dengan Surat Edaran Otoritas Jasa Keuangan No. 10/ ratios in accordance with the Circular Letter of the Financial
SEOJK 03/2020 tentang Transparansi dan Publikasi Laporan Services Authority No. 10/SEOJK 03/2020 concerning
Bank Umum Syariah dan Unit Usaha Syariah. Rasio yang Transparency and Publication of Reports of Sharia
tertera pada tabel dibawah merupakan rasio likuiditas Bank, Commercial Banks and Sharia Business Units. The ratios
rasio Solvabilitas Bank dan Rasio Rentabilitas Bank. Rasio listed in the table below are the Bank’s liquidity ratio, the
tersebut menilai keberhasilan dan kemampuan Bank dalam Bank’s Solvency ratio and the Bank’s Rentability Ratio. The
mengasilkan laba dengan menggunakan sumber daya yang ratio assesses the success and ability of the Bank in producing
ada di perusahaan. profits by using existing resources in the company.
Tabel Perkembangan Rasio Kinerja Development of Performance Ratio Table

(dalam %) (in %)

Kewajiban Penyediaan Modal Minimum 23,76 15,21 12,42 Minimum Capital Adequacy Requirement
(KPMM) (KPMM)
Aset Produktif Bermasalah dan Aset Non 1,27 2,99 3,43 Problematic Productive Assets and
Produktif Bermasalah terhadap Total Aset Problematic Non-Productive Assets Against
Produktif dan Aset Non Produktif Total Productive Assets and
Non-Productive Assets
Aset Produktif Bermasalah terhadap Total 1,34 3,30 3,67 Problematic Productive Assets against Total
Aset Produktif Productive Assets
Cadangan Kerugian Penurunan Nilai 1,47 1,41 1,34 Allowance for impairment losses (CKPN) of
(CKPN) Aset Keuangan terhadap Aset financial assets against Earning Assets
Produktif
NPF Gross 0,67 4,81 5,22 NPF Gross
NPF Net 0,08 3,95 4,30 NPF Net
Return on Assets (ROA) 0,02 0,03 0,05 Return on Assets (ROA)
Return on Equity (ROE) 0,20 0,29 0,45 Return on Equity (ROE)
Net Imbalan (NI) 1,59 1,94 0,83 Balance Net (NI)
Net Operating Margin (NOM) 0,04 0,04 0,04 Net Operating Margin (NOM)
Biaya Operasional terhadap Pendapatan 99,29 99,45 99,50 Operating Costs to Operating Income
Operasional (BOPO) (BOPO)
Pembiayaan Bagi Hasil terhadap Total 53,48 51,91 50,08 Financing Profit Sharing against Total
Financing to Deposit Ratio (FDR) 38,33 69,84 73,51 Financing to Deposit Ratio (FDR)

2021 Annual Report
Secara umum rasio kinerja Bank Muamalat di tahun 2021 In general, Bank Muamalat’s performance ratio in 2021 has
mengalami perbaikan. Rasio KPMM Bank Muamalat terus improved. Bank Muamalat’s CAR ratio continued to increase
meningkat hingga mencapai 23,76% dibandingkan dari reaching 23.76% compared to the previous year, which
tahun sebelumnya yang sebesar 15,21%. Rasio NPF gross was posted at 15.21%. The gross NPF ratio experienced a
mengalami perbaikan signifikan dari tahun sebelumnya yang significant improvement from the previous year, which was
tercatat 4,81%, turun menjadi 0,67% yang disebabkan oleh posted at 4.81%, down to 0.67% due to the positive impact of
dampak positif transaksi penjualan portofolio pembiayaan. financing portfolio sales transactions.
RASIO KEPATUHAN COMPLIANCE RATIO

Sesuai Surat Edaran Otoritas Jasa Keuangan No. 10/SEOJK In accordance with the Circular Letter of the Financial Services
03/2020 tentang Transparansi dan Publikasi Laporan Bank Authority No. 10/SEOJK 03/2020 concerning Transparency
Umum Syariah dan Unit Usaha Syariah, Rasio kepatuhan and Publication of Reports of Sharia Commercial Banks
meliputi Perhitungan pelanggaran dan pelampauan BMPD, and Sharia Business Units, the compliance ratio includes
Perhitungan persentase GWM dalam rupiah dan GWM calculation of violations and performance of BMPD,
dalam valuta asing pada posisi laporan serta Perhitungan Calculation of the percentage of GWM in rupiah and GWM in
persentase PDN pada posisi laporan sesuai dengan foreign exchange in the position of the report and calculation
ketentuan peraturan Perundang-undangan mengenai BMPK, of the percentage of PDN in the position of the report in
GWM rupiah dan valas serta PDN bagi Bank Umum Syariah. accordance with the provisions of the laws and regulations
regarding BMPK, GWM rupiah and forex and PDN for Sharia
Commercial Banks.
Tabel Perkembangan Rasio Kepatuhan Development of Compliance Ratio Table

(dalam %) (in %)
Kepatuhan Compliance
Persentase Pelanggaran BMPD Percentage of BMPD Violations
Pihak Terkait 0,00 0,00 0,00 Related Parties
Pihak Tidak Terkait 0,00 0,00 0,00 Unrelated parties
Persentase Pelampauan BMPD Percentage of Exceeded BMPD
Pihak Terkait 0,00 0,00 0,00 Related Parties
Pihak Tidak Terkait 0,00 0,00 0,00 Unrelated Parties
GWM
GWM Rupiah Rupiah reserve requirement
Harian 7,98 0,00 4,25 Daily
Rata-rata 3,00 3,24 4,82 Average
GWM Valuta Asing 1,15 1,13 1,10 Foreign Exchange Reserve Requirement
Posisi Devisa Neto (PDN) secara 0,15 0,15 0,21 Net Open Position (NOP) as a Whole
Keseluruhan
KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES

Hingga berakhirnya tahun buku 2021, Bank memiliki Up to the end of the 2021 fiscal year, the Bank has a
kewajiban komitmen mencapai Rp0,83 triliun, naik dari commitment obligation of Rp0.83 trillion, increasing from
tahun sebelumnya yang sebesar Rp1,73 miliar. Kenaikan the previous year, which amounted to Rp1.73 billion. The
kewajiban komitmen disebabkan oleh peningkatan pos increase in commitment obligations was due to an increase
Posisi Penjualan Spot dan Forward yang Masih Berjalan. in the Outstanding Spot and Forward Sales Positions.
Sementara itu, kontinjensi Bank sampai dengan 31 Desember Meanwhile, the Bank’s contingency up to December 31, 2021
2021 tercatat Rp80 miliar, mengalami penurunan 0,328% was posted at Rp80 billion, a decrease of 0.328% compared
dari pembukuan periode yang sama tahun sebelumnya to the bookkeeping for the same period in the previous year,
yakni Rp109,7 miliar. Penurunan tersebut disebabkan oleh which amounted to Rp109.7 billion. The decrease was due to
volume garansi bank yang turun pada tahun 2021. the lower volume of bank guarantees in 2021.

Tabel Perkembangan Komitmen dan Kontinjensi Development of Commitments and Contingencies Table

Tagihan Komitmen Commitment Bill
Fasilitas Pembiayaan yang Belum Ditarik - - - Undisbursed Financing Facilities for
Customers
Kewajiban Komitmen 832.012 3,30 3,67 Commitment Obligations
Fasilitas Pembiayaan kepada Nasabah yang 18 13 119 Unused Withdrawal Financing Facilities
Belum Ditarik
Fasilitas Pembiayaan kepada Bank yang - - - Unused Withdrawal Financing Facilities
Belum Ditarik
Irrevocable L/C yang Masih Berjalan 17 60 143 Irrevocable L/C That is Still Running
Posisi Penjualan Spot dan Forward yang 831.977 1.663 - Outstanding Spot and Forward Sales
Masih Berjalan Position
Tagihan Kontinjensi Contingency Bill
Garansi yang Diterima - - - Guarantees Received
Pendapatan dalam Penyelesaian 46 151 128 Revenue under Settlement
Kewajiban Kontinjensi Contingency Obligations
Garansi yang Diberikan 80 110 90 Warranty Given
INFORMASI KINERJA KEUANGAN LAIN OTHER FINANCIAL PERFORMANCE

INFORMATION
Kewajiban Penyediaan Modal Minimum Minimum Capital Adequacy Requirement

(KPMM) (KPMM)
Bank terus berupaya untuk menjaga rasio KPMM agar The Bank continues to strive to maintain the KPMM ratio
sesuai dengan peraturan yang ditentukan oleh regulator. in accordance with the regulations set by the regulator.
Upaya-upaya penguatan modal juga terus dilakukan untuk Efforts to strengthen capital are also continuously carried
meningkatkan rasio KPMM. Pada tahun 2021, rasio KPMM out to increase the KPMM ratio. In 2021, the KPMM ratio
tercatat sebesar 23,76% meningkat dari tahun sebelumnya was posted at 23.76%, an increase compared to the previous
yang mencapai 15,21%. Kenaikan ini merupakan dampak year, which reached 15.21%. This increase is a positive effect
positif dari dilakukannya aksi korporasi berupa penjualan from corporate actions in the form of sales of receivables
portofolio piutang dan pembiayaan yang menyebabkan Aset and financing portfolios, which lowered the Risk Weighted
Tertimbang Menurut Risiko (ATMR) menjadi lebih rendah. Assets (RWA).
Tabel Perkembangan Kewajiban Penyediaan Modal Development of Minimum Capital Adequacy

Minimum Requirement Table

Modal Inti (Tier 1) 4.839 4.472 3.521 Core Capital (Tier 1)
Modal Inti Utama (CET 1) 4.839 4.472 3.521 Main Core Capital (CET 1)
Modal Inti Tambahan (AT 1) – – – Additional Core Capital (AT 1)
Modal Pelengkap (Tier 2) 347 334 350 Complementary Capital (Tier 2)
Total Modal 5.186 4.806 3.871 Total Capital
Aset Tertimbang Menurut Risiko (ATMR) 21.827 31.593 31.171 Risk Weighted Assets (ATMR)
Rasio KPMM (Aktual) (%) KPMM (Current) Ratio
Rasio CET 1 (%) 22,17 14,15 11,30 CET 1 Ratio
Rasio AT 1 (%) 0,00 0,00 0,00 AT 1 Ratio
Rasio Tier 1 (%) 22,17 14,15 11,30 Tier 1 Ratio
Rasio Tier 2 (≥ Tier 1) (%) 1,59 1,06 1,12 Tier 2 Ratio (highest is equal to Tier 1)
Rasio Total KPMM (%) 23,76 15,21 12,42 KPMM Total Ratio

2021 Annual Report
Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for Impairment Losses (CKPN)
dan Penyisihan Kerugian and Allowance for Losses
Sebagai salah satu upaya mitigasi risiko di masa yang akan As one of the risk mitigation efforts for the future, Bank
datang, Bank Muamlaat membentuk Cadangan Kerugian Muamlaat sets Allowance for Impairment Losses (CKPN) and
Penurunan Nilai (CKPN) dan penyisihan kerugian terhadap allowance for losses on the Bank’s receivables and financing
portofolio piutang dan pembiayaan yang dimiliki oleh Bank. portfolio. In 2021, the amount of CKPN and Allowance for
Di tahun 2021, jumlah CKPN dan Penyisihan Kerugian yang Losses set by the Bank is in accordance with the regulations.
dibentuk oleh Bank telah sesuai dengan peraturan.
Tabel Perkembangan Kerugian Penurunan Nilai (CKPN) Development of Allowance for Impairment Losses
dan Penyisihan Kerugian (CKPN) and Allowance for Losses
2021 2020
PPA Wajib Dibentuk PPA Wajib Dibentuk
CKPN CKPN
Uraian PPA to Establish PPA to Establish Description
Kolektif Umum Khusus Kolektif Umum Khusus
Individual Individual
Collective General Special Collective General Special
Penempatan pada – 0,59 4,01 0,42 – 0,59 4,97 – Placements on Other
Bank Lain Banks
Tagihan Spot dan – – 0,77 – – – 0,24 – Spot and Forward Bills

Forward
Surat Berharga yang – 10,26 98,20 – – 15 80 5,00 Securities Issued
Dimiliki
Tagihan Akseptasi – 64,35 0,26 93,57 – 2,38 1,02 – Acceptance Bill
Piutang Murabahah 38,29 183,98 58,82 103,44 214 135 98 280 Murabahah Receivables
Piutang Istishna’ – 0,31 0,17 – – 0,18 0,18 – Istishna’ Receivables
Piutang Qardh – 17,004 5,53 6,80 – 15 6,53 3,99 Qardh Receivables
Piutang Sewa – 1,09 – 1,09 – 3,84 - 6,85 Lease Receivables
Pembiayaan – 9,12 5,25 0,77 – 6,25 6,02 13 Mudharabah Financing

Mudharabah
Pembiayaan – 290,73 73,82 154,95 – 201 108 325 Musharaka Financing
Musyarakah
Pembiayaan Lainnya – – – – – – – – Other Financing
Penyertaan – 60,24 0,61 60,24 – – 4,08 – Inclusion
Komitmen dan – – – – – – – – Commitments and

Kontinjensi Contingencies
Transaksi Spot dan Forward Spot and Forward Transaction

Transaksi Spot dan Forward yang dilakukan oleh Bank Spot and Forward Transactions conducted by Bank Muamalat
Muamalat adalah transaksi yang terkait dengan transaksi are transactions related to foreign exchange transactions
valuta asing pada bank Syariah (di luar jual beli bank notes) at Sharia banks (excluding the purchase and sale of bank
hanya dapat dilakukan untuk kepentingan nasabah dan notes) that can only be made for the benefit of customers
tidak dibenarkan untuk tujuan spekulatif. Bank melakukan and are not allowed for speculative purposes. Banks carry
transaksi lindung nilai syariah baik transaksi lindung nilai out sharia hedging transactions, both simple sharia hedging
syariah sederhana (‘Aqd al Tahawwuth al-Basith) yaitu transactions (‘Aqd al Tahawwuth al-Basith), namely hedging
transaksi lindung nilai dengan skema forward agreement transactions with a forward agreement scheme followed by
yang diikuti dengan transaksi spot pada saat jatuh tempo, spot transactions at maturity, as well as complex hedging
serta transaksi Lindung Nilai Kompleks (‘Aqd al Tahawwuth transactions (‘Aqd al Tahawwuth al-Murakkab) namely
al-Murakkab) yaitu transaksi lindung nilai dengan skema hedging transactions with a scheme in the form of a series of
berupa rangkaian transaksi spot dan forward agreement yang spot transactions and forward agreements followed by spot
diikuti dengan transaksi spot pada saat jatuh tempo. transactions at maturity.

Tabel Perkembangan Spot dan Foward Developmeny of Spot and Forward Table
Tujuan Tagihan dan Liabilitas

Purpose Bills and Liabilities
Nilai Notional
Transaksi Bukan Transaction
Notional Value Tagihan Liabilitas
Hedging Hedging
Bill Liabilities
Not Hedging
Terkait dengan Nilai 1.692 111 1.580 8 4 Related to Exchange Rates
Tukar
Spot 119 111 1.580 8 4 Spot
Forward – – – – – Forward
Lainnya 1.573 – 1.573 8 4 Other
Lainnya – – – – – Other
Laporan Distribusi Bagi Hasil Proft Sharing Distribution Report

Di tahun 2021, bagi hasil yang didistribusikan oleh Bank In 2021, profit sharing distributed by the Bank decreased
mengalami penurunan dari Rp1,61 triliun menjadi Rp1,39 from Rp1.61 trillion to Rp1.39 trillion. This is mostly due to
triliun. Hal tersebut lebih disebabkan oleh faktor eksternal external factors, including the ability of customers to make
yang di antaranya yaitu masih belum pulihnya kemampuan payments for receivables and financing that still have not
nasabah dalam melakukan pembayaran piutang dan recovering due to the COVID-19 pandemic, which in turn
pembiayaan akibat Pandemi COVID-19 yang pada gilirannya affects the value of profit-sharing distributed to customers.
mempengaruhi nilai pendapatan yang dibagi-hasilkan However, the decline was also still in line with the condition
kepada nasabah. Namun, penurunan tersebut juga masih of the banking industry in general, which also experienced a
sejalan dengan kondisi industri perbankan pada umumnya decline in the rate of return paid to customers.
yang juga mengalami penurunan tingkat imbal hasil yang
dibayarkan kepada nasabah.
Laporan Sumber dan Penyaluran Dana Zakat Report on the Source and Distribution of
Zakat Funds
Bank menerima penyetoran zakat yang berasal dari pihak The Bank receives zakat from internal and external parties,
internal maupun pihak eksternal diantaranya seperti such as customers and other zakat collectors. However, the
nasabah maupun amil zakat lainnya. Namun begitu, Bank Bank does not directly carry out the function of managing
tidak secara langsung menjalankan fungsi pengelolaan dana zakat funds, but distributes zakat funds through zakat
zakat, melainkan melakukan penyaluran dana zakat tersebut management entities. In 2021, the Bank received zakat from
melalui entitas pengelola zakat. Pada tahun 2021, Bank internal and external parties of the Bank in the amount of
menerima dana zakat dari pihak internal maupun eksternal Rp8.20 billion. The zakat funds are then distributed entirely
Bank sebesar Rp8,20 miliar. Dana zakat tersebut kemudian through the Amil Zakat Institution.
disalurkan seluruhnya melalui Lembaga Amil Zakat.
Tabel Perkembangan Sumber dan Penyaluran Dana Development of Sources and Distribution of Zakat Funds
Zakat

Saldo Awal Dana Zakat – – – Beginning Balance of Zakat Funds
Dana Zakat yang Berasal dari: Zakat Funds from:
Internal BUS 0,25 0,41 1,15 Internal BUS
Eksternal BUS 7,95 9,89 9,72 External Parties
Penyaluran Dana Zakat kepada Entitas Distribution of Zakat Funds to the Zakat
Pengelola Zakat Managing Entity
Lembaga Amil Zakat 8,20 10,29 10,87 Amil Zakat Institution
Badan Amil Zakat – – – Amil Zakat Agency
Kenaikan (Penurunan) Dana Zakat – – – Increase (Decrease) in Zakat Funds
Saldo Akhir Dana Zakat – – – Ending Balance of Zakat Fund

2021 Annual Report
Laporan Sumber dan Penggunaan Dana Report on the Source and Use of the Charity
Kebajikan Funds
Bank Muamalat menerima Dana Kebajikan baik berupa Bank Muamalat receives Charity Funds in the form of infaq,
infaq, sedekah, denda, maupun penerimaan non-halal. alms, fines, and non-halal receipts. In 2021, total charity fund
Tahun 2021, penerimaan dana kebijakan seluruhnya berasal receipts were derived from non-halal revenues, amounting
dari penerimaan non-halal yaitu sebesar Rp0,64 miliar. to Rp0.64 billion. All of these funds are used for charity funds
Keselurahan dana tersebut digunakan untuk dana kebajikan in the form of donations channeled through zakat, infaq,
berupa sumbangan yang disalurkan melalui lembaga shadaqah management institutions.
pengelola zakat, infaq, shadaqah.
Tabel Perkembangan Sumber dan Penggunaan Dana Development of Sources and Use of Charity Funds
Kebajikan

Sumber Dana Kebajikan pada Awal – – – Sources of Qardhul Hasan Funds in the
Periode Beginning of the Period
Penerimaan Dana Kebajikan Qardhul Hasan Funds Received
Infak – – – Infaq
Sedekah – – – Sodaqoh
Pengembalian Dana Kebajikan – – – Return from Productive Qordhul
Produktif Hasan Funds
Denda – – 0,07 Penalty
Penerimaan Non Halal 0,64 0,36 0,52 Non-Halal fund
Lainnya – – – Other
Total Penerimaan 0,64 0,36 0,59 Total Qhardul Hassan Received
Penggunaan Dana Kebajikan Use of Benevolent Funds
Dana Kebajikan Produktif – – – Productive Qhardul Hassan Fund
Sumbangan 0,64 0,36 0,59 Donation
Penggunaan Lainnya untuk – – – Other uses for Public Interest
Kepentingan Umum
Total Penggunaan 0,64 0,36 0,59 Total Fund Allocated
Kenaikan (Penurunan) Sumber Dana – – – Increase (Decrease) in Sources of
Kebajikan Qordhul Hasan funds
Sumber Dana Kebajikan pada Akhir – – – Sources of Qordhul Hasan Funds at the
Periode End of the Period
KEMAMPUAN MEMBAYAR UTANG ABILITY TO PAY DEBT

Kemampuan Bank dalam memenuhi seluruh kewajiban baik The Bank’s ability to meet all obligations, both long-term and
kewajiban jangka panjang maupun jangka pendek, diukur short-term, is measured through several ratios, including
melalui beberapa rasio, antara lain rasio likuiditas, rasio liquidity ratios, solvency ratios, and profitability ratios. The
solvabilitas, dan rasio rentabilitas. Kemampuan membayar ability to pay debts is also reflected in the participation of
utang juga tercermin dari telah ikutnya Bank sebagai peserta the Bank as a participant in the guarantee program at the
program penjaminan pada pada Lembaga Penjaminan Deposit Insurance Corporation. The ability to pay debts is
Simpanan. Rincian penjelasan tentang kemampuan elaborated on in more detail in the following discussion.
membayar utang dijelaskan sebagai berikut.
Kemampuan Membayar Utang Jangka Ability to Pay Short-Term Debts

Pendek
Kemampuan Bank dalam membayar utang jangka pendek The Bank’s ability to pay short-term debt can be observed
dapat dilihat dari rasio likuiditas. Rasio likuiditas Bank dapat from the liquidity ratio. The Bank’s liquidity ratio can be
diukur melalui rasio pembiayaan terhadap dana pihak measured using the financing to deposit ratio (FDR). In
ketiga (FDR). Tahun 2021, FDR Bank Muamalat mengalami 2021, the FDR of Bank Muamalat decreased by 31.51% from
penurunan sebesar 31,51% dari 69,84% di tahun 2020 69.84% in 2020 to 38.33% in 2021.
menjadi 38,33% tahun 2021.

Kemampuan Membayar Utang Jangka Ability to Pay Long-Term Debts

Panjang
Bank Muamalat Indonesia mengukur rasio solvabilitasnya Bank Muamalat Indonesia measures its solvency ratio by
dengan memastikan kecukupan modal Bank untuk dapat ensuring the Bank’s capital adequacy to be able to meet
memenuhi risiko pembiayaan, risiko pasar dan risiko financing risk, market risk, and operational risk as reflected
operasional yang tercermin dari Rasio Kecukupan Modal in the Capital Adequacy Ratio (CAR). CAR is the ratio of
atau Capital Adequacy Ratio (CAR). CAR adalah rasio modal capital to Risk-Weighted Assets (RWA). In 2021, the Capital
terhadap aset tertimbang menurut risiko atau Risk-Weighted Adequacy Ratio of Bank Muamalat continues to increase,
Assets (RWA). Pada tahun 2021, Rasio Kecukupan Modal reaching 23.76% compared to the previous year, which was
Bank Muamalat terus meningkat hingga mencapai 23,76% posted at 15.21%. The increase was due to positive impact
dibandingkan dari tahun sebelumnya yang sebesar 15,21%. of taking corporate actions. The CAR of Bank Muamalat
Peningkatan tersebut disebabkan oleh dampak positif dari Indonesia always maintains the ratio provision that exceeds
dilakukannya aksi korporasi. CAR Bank Muamalat Indonesia the applicable regulations.
senantiasa menjaga ketentuan rasio di atas ketentuan
peraturan yang berlaku.
Kolektibilitas Piutang Account Receivable Collectability

Pada tahun 2021, kolektibilitas piutang dan pembiayaan In 2021, the collectibility of the Bank’s receivables and
yang dimiliki oleh Bank mengalami peningkatan. Hal tersebut financing increased. This is indicated by a decrease in non-
diindikasikan oleh penurunan pembiayaan bermasalah yang performing financing, which is financing with collectability
merupakan pembiayaan dengan kolektibilitas 3 (kurang of 3 (sub-standard), 4 (doubtful), and 5 (loss). The Gross
lancar), 4 (diragukan), dan 5 (macet). Rasio pembiayaan non-performing financing (NPF-gross) ratio decreased from
bermasalah kotor/NPF-gross mengalami penurunan dari 4.81% in 2020 to only 0.67% in 2021.
4,81% tahun 2020 menjadi tinggal 0,67% tahun 2021.
Tabel Perkembangan Kolektibilitas Development of Collectability Table

Total Pembiayaan Bermasalah - Bukan 120 1.390 1.549 Total Non-performing Financing - Non-bank
Bank (Rp miliar) (Rp billion)
Total Pembiayaan yang Diberikan (Gross) – 17.967 28.929 29.666 Total Financing Given (Gross) - Non-bank
Bukan Bank (Rp miliar) (Rp billion)
% Pembiayaan Bermasalah 0,67 4,81 5,22 % of Non-performing Financing
(NPF-Bruto) (Gross-NPF)
% Pembiayaan Bermasalah 0,08 3,95 4,30 % of Non-performing Financing
(NPF-Netto) (Net-NPF)
STRUKTUR MODAL CAPITAL STRUCTURE
Dasar dan Kebijakan Struktur Modal Basis and Capital Structure Policy
Penyusunan dasar dan kebijakan pengelolaan modal adalah The formulation of capital management basis and policy is to
untuk memastikan bahwa Bank Muamalat memiliki modal ensure that Bank Muamalat has a strong capital to support
yang kuat untuk mendukung strategi pengembangan its current business expansion development strategy of as
ekspansi usaha Bank Muamalat saat ini dan juga untuk well as maintain sustainable development in the future, and
mempertahankan kelangsungan pengembangan di masa to meet the capital adequacy requirements that have been
mendatang, dan untuk memenuhi ketentuan kecukupan established by the regulator, as well as ensuring that the
permodalan yang ditetapkan oleh regulator serta capital structure of the Bank has been efficient.
memastikan agar struktur permodalan Bank telah efisien.

2021 Annual Report
Rincian Struktur Modal Details of Capital Structure

Manajemen permodalan yang dilakukan oleh Bank The capital management carried out by the Bank is focused
difokuskan kepada pengelolaan struktur permodalan yang on managing a sound capital structure to absorb risk and
sehat untuk menyerap risiko serta memenuhi ketentuan comply with regulatory capital requirements, as well as to
permodalan dari regulator, serta untuk mendukung support a sound business growth. This effort is manifested in
pertumbuhan bisnis yang sehat. Upaya tersebut diwujudkan efforts to increase capital through the mechanism of issuing
dalam upaya penambahan modal melalui mekanisme new shares with Pre-emptive Rights or without Pre-emptive
penerbitan saham baru dengan HMETD atau PMHMETD dan Rights and issuance of subordinated sukuk. To realize this,
penerbitan sukuk subrodinasi. Untuk mewujudkannya Bank Bank Muamalat has increased its authorized capital and
Muamalat telah meningkatkan modal dasar yang dimilikinya plans to issue new shares, subsequently the capital structure
dan berencana menerbitkan saham baru sehingga struktur of Bank Muamalat has changed compared to previous years.
modal Bank Muamalat mengalami perubahan dibandingkan
dengan tahun-tahun sebelumnya.
Tabel Perkembangan Struktur Modal Development of Capital Structure

(Rp ribu, kecuali dinyatakan lain) (Rp thousand, except otherwise stated)

Modal Dasar 5.600.000.000 4.400.000.000.000 4.400.000.000.000 Authorized Capital
Modal Ditempatkan dan Disetor 1.103.435.151 1.103.435.151 1.103.435.151 Issued and Fully Deposited Capital
Penuh
IKATAN MATERIAL UNTUK INVESTASI MATERIAL COMMITMENTS FOR CAPITAL

BARANG MODAL EXPENDITURE
Sepanjang tahun 2021, Bank tidak memiliki ikatan material Up to the end of 2021, Bank Muamalat Indonesia had no
untuk investasi barang modal. material commitments related to capital expenditure
REALISASI INVESTASI BARANG MODAL REALIZED CAPITAL EXPENDITURE

Hingga 31 Desember 2021, Bank melakukan pembelanjaan As of December 31, 2021, the Bank has made capital
barang modal sebesar Rp7,04 miliar, yang dibagi ke dalam expenditures in the amount of Rp7.04 billion, which is
dua jenis barang modal yakni teknologi informasi (TI) dan divided into two types of capital goods, namely information
non TI. Realisasi tersebut lebih rendah sebesar Rp18,9 technology (IT) and non-IT. This realization was Rp18.9 billion
miliar dari tahun sebelumnya yang sebesar Rp26 miliar. lower from the previous year, which amounted to Rp26
Penurunan realisasi investasi barang modal merupakan billion. The decrease in the realization of capital expenditure
salah satu strategi bank untuk bisa melakukan optimalisasi is one of the bank’s strategies to be able to optimize the
dari barang-barang yang dimiliki oleh Bank. Ke depannya bank’s assets. Going forward, the Bank will continue to
Bank akan terus melanjutkan proses optimasi barang modal optimize its capital to ensure more scalable and efficient
agar seluruh aktivitas yang dilakukan oleh Bank menjadi operations.
lebih terukur dan efisien
Tabel Realisasi Investasi Barang Modal Realization of Capital Expenditure Table

Nilai Investasi
Jenis Investasi Tujuan Investasi Investment Purpose Investment Type
Amount
Tanah Pelayanan Bank 1.789 Banking Service Land
Bangunan Pelayanan Bank 1.258 Banking Service Building
Kendaraan Bermotor Akomodasi Aktivitas 60 To Accommodate Automotive Assets
Operasional Operations
Inventaris Kantor Akomodasi Aktivitas 417 To Accommodate Inventory
Komputer Akomodasi Aktivitas 738 To Accommodate Computer
Perbaikan Sarana dan Pelayanan Bank 256 Banking Service Repairs in Infrastructure
Prasarana
Aset Sewa Pembiayaan Akomodasi Aktivitas 23 To Accommodate Lease of Automotive Assets
Kendaraan Bermotor Operasional Operations
Total 4.541 Total

INFORMASI DAN FAKTA MATERIAL YANG MATERIAL FACTS AND INFORMATION

TERJADI SETELAH TANGGAL LAPORAN THAT TOOK PLACE AFTER THE
AKUNTANSI ACCOUNTING REPORT DATE
1. Berdasarkan Akta No. 18 tanggal 28 Januari 2022 yang 1. Based on Deed No. 18 dated January 28, 2022 made
dibuat di hadapan Notaris Ashoya Ratam, S.H. M.Kn. before Notary Ashoya Ratam, S.H. M.Kn. where the
dimana pemberitahuan atas perubahan anggaran notification of the amendment to the articles of
dasarnya telah diterima dan dicatat oleh Menteri association has been received and recorded by the
Hukum dan Hak Asasi Manusia Republik Indonesia Minister of Law and Human Rights of the Republic of
sesuai suratnya tertanggal 31 Januari 2022 No. AHU- Indonesia in accordance with the letter dated January
AH.01.03-0070769 serta diumumkan dalam Berita 31, 2022 No. AHU-AH.01.03-0070769 and announced
Negara Republik Indonesia No. 10 tanggal 3 Februari in the State Gazette of the Republic of Indonesia No.
2022 Tambahan Berita Negara Republik Indonesia No. 10 dated February 3, 2022, Supplement to the State
004853, telah terjadi perubahan Anggaran dasar Bank Gazette of the Republic of Indonesia No. 004853, there
sehubungan dengan peningkatan modal dasar maupun has been an amendment to the Articles of Association
modal disetor Bank sebesar Rp1.194.301.173.210 (satu of the Bank in relation to the increase in the authorized
triliun seratus sembilan puluh empat miliar tiga ratus capital and paid-up capital of the Bank amounting to
satu juta seratus tujuh puluh tiga ribu dua ratus sepuluh Rp1,194,301,173,210 (one trillion one hundred ninety-
rupiah). Sehingga modal ditempatkan dan disetor four billion three hundred and one million one hundred
Bank, semula sebesar Rp1.103.435.151.000 (satu triliun seventy-three thousand two hundred and ten rupiah).
seratus tiga miliar empat ratus tiga puluh lima juta Thus, the issued and paid-up capital of the Bank, initially
seratus lima puluh satu ribu rupiah) menjadi sebesar amounted to Rp1,103,435,151,000 (one trillion one
Rp2.297.736.324.210 (dua triliun dua ratus sembilan hundred three billion four hundred thirty-five million one
puluh tujuh miliar tujuh ratus tiga puluh enam juta tiga hundred and fifty-one thousand rupiah) was changed
ratus dua puluh empat ribu dua ratus sepuluh rupiah). to Rp2,297,736,324,210 (two trillion two hundred nine
twenty seven billion seven hundred thirty six million
three hundred twenty four thousand two hundred ten
rupiah).
2. Berdasarkan akta Perjanjian Penerbitan Sukuk 2. Based on the deed of The Long-term Mudharabah
Subordinasi Mudharabah Jangka Panjang yang Subordination Sukuk Issuance Agreement Carried Out
Dilakukan Tanpa Melalui Penawaran Umum Bank Without Going Through the Public Offering of Bank
Muamalat Indonesia Tahun 2022 yang tercantum dalam Muamalat Indonesia in 2022 listed in the Notary Deed of
akta Notaris Ashoya Ratam, S.H., M.Kn, No. 09 tanggal Ashoya Ratam, S.H., M.Kn, No. 09 dated March 9, 2022,
9 Maret 2022, Sukuk Subordinasi Mudharabah Tahun the 2022 Mudharabah Subordination Sukuk was issued
2022 tersebut diterbitkan dan didistribusikan pada and distributed on March 15, 2022. Sukuk Mudharabah
tanggal 15 Maret 2022. Sukuk Subordinasi Mudharabah Subordination in 2022 is a subordinated securities with a
Tahun 2022 tersebut merupakan surat berharga yang principal amount of Rp2.000.000.000 issued by the Bank
bersifat Subordinasi dengan jumlah pokok sebesar to BPKH not through a public offering but carried out
Rp2.000.000.000 yang diterbitkan oleh Bank kepada by a limited offer mechanism (private placement) with a
BPKH tidak melalui penawaran umum (public offering) period of 10 years from the date of issuance, the ratio
tetapi dilakukan dengan mekanisme penawaran of sukuk holders is 41.96%. The Bank has obtained an
terbatas (private placement) dengan jangka waktu 10 effective statement from OJK through letter No. S-53/
tahun sejak tanggal penerbitan, Nisbah pemegang sukuk PB.34/2022 dated March 22, 2022 to be able to take
sebesar 41,96%. Bank telah memperoleh pernyataan into account the sukuk as a complementary capital
efektif dari OJK melalui surat No. S-53/PB.34/2022 component, so that the KPMM ratio dated December 31,
tanggal 22 Maret 2022 untuk dapat memperhitungkan 2021 after taking into account the sukuk from 23.76% to
sukuk tersebut sebagai komponen modal pelengkap, 32.92% (unaudited).
sehingga rasio KPMM tanggal 31 Desember 2021 setelah
memperhitungkan sukuk tersebut dari 23,76% menjadi
32,92% (tidak diaudit).
3. BPKH telah mendapatkan persetujuan dari Otoritas Jasa 3. BPKH has obtained approval from the Financial
Keuangan (OJK) sebagai pemegang saham pengendali Services Authority (FSA) as the controlling shareholder
Perseroan melalui surat dari Dewan Komisioner Otoritas of the Company through a letter from the Board of
Jasa Keuangan No. KEP21/D.03/2022 tertanggal 4 Commissioners of the Financial Services Authority No.
Februari 2022 tentang Hasil Penilaian Kemampuan dan KEP21/D.03/2022 dated February 4, 2022 on the Fit and
Kepatutan Badan Pengelola Keuangan Haji selaku Calon Proper Test Results of Badan Pengelola Keuangan Haji as

2021 Annual Report
Pemegang Saham Pengendali Perseroan. Terhadap the Prospective Controlling Shareholder of the Company.
perubahan Pemegang Saham Pengendali tersebut, With respect to the change in Controlling Shareholders,
Perseroan telah melakukan Keterbukaan Informasi the Company has made a Disclosure of Material Facts
atau Fakta Material sesuai dengan ketentuan Peraturan or Information in accordance with the provisions of
Otoritas Jasa Keuangan (“POJK”) No. 31/POJK.04/2015 the Financial Services Authority Regulation (“POJK”) No.
tentang Keterbukaan atas Informasi atau Fakta Material 31/POJK.04/2015 on Disclosure of Material Facts or
oleh Emiten atau Perusahaan Publik melalui surat kabar Information by Issuers or Public Companies through the
Harian Terbit dan website Perseroan pada tanggal 8 newspaper Harian Terbit and the Company’s website on
Februari 2022. February 8, 2022.
4. Berdasarkan Rapat Umum Pemegang Saham Luar 4. Based on the Extraordinary General Meeting of
Biasa (RUPSLB) tanggal 28 Februari 2022 dan Akta Shareholders (EGMS) on February 28, 2022 and the
Pernyataan RUPSLB No. 18 Tanggal 28 Februari Deed of the EGMS Statement No. 18 dated February
2022, terjadi perubahan komposisi Dewan Komisaris 28, 2022, there was a change in the composition
Bank Muamalat Indonesia sehubungan dengan of the Board of Commissioners of Bank Muamalat
pemberhentian dengan hormat Bapak Mohamed Hedi Indonesia in connection with the honorable dismissals
Mejai dan Bapak Abdulsalam Mohammad Joher Al- Saleh of Mr. Mohamed Hedi Mejai and Mr. Abdulsalam
dari jabatannya selaku anggota Dewan Komisaris Mohammad Joher Al-Saleh from the position as members
Perseroan. Bank Muamalat Indonesia juga mengangkat of the Company’s Board of Commissioners. Bank
Bapak Sulistyo Budi, Bapak Juni Supriyanto, dan Bapak Muamalat Indonesia has also appointed Mr. Sulistyo
Andre Mirza Hartawan selaku anggota Dewan Komisaris Budi, Mr. Juni Supriyanto, and Mr. Andre Mirza Hartawan
Perseroan, dimana pengangkatan tersebut akan as members of the Company’s Board of Commissioners,
berlaku efektif setelah memperoleh penetapan hasil where the appointment will be effective after obtaining
penilaian kemampuan dan kepatutan dari Otoritas Jasa the ratification of the fit and proper test results from the
Keuangan (OJK). Financial Services Authority (FSA).
PROSPEK USAHA BUSINESS PROSPECTS

Bank memperkirakan kondisi perekonomian tahun 2022 The Bank estimates that the economic conditions in 2022 will
akan lebih baik dibandingkan kondisi tahun 2021. Optimisme be better than those in 2021. This optimism is in line with
ini sejalan dengan proyeksi Bank Indonesia bahwa Bank Indonesia’s projection that the national economy will
perekonomian nasional akan tumbuh di kisaran 4,7%-5,5%. grow in the range of 4.7%-5.5%. This projection is driven
Perbaikan tersebut didorong oleh berlanjutnya perbaikan by the continued improvement of the global economy that
ekonomi global yang berdampak pada kinerja ekspor yang has increased export performance, and improved domestic
tetap kuat, serta meningkatnya permintaan domestik dari consumption and investment in line with the easing of the
kenaikan konsumsi dan investasi sejalan dengan kondisi pandemic. The details regarding economic conditions,
pandemi yang mereda. Adapun rincian mengenai kondisi industry and market conditions are presented in full in the
ekonomi, kondisi industri dan pasar disajikan secara lengkap Economic Review and Banking Industry Overview section of
pada bagian Tinjauan Ekonomi dan Tinjauan Industri this Annual Report.
Perbankan pada Laporan Tahunan ini.
PERBANDINGAN ANTARA TARGET DAN COMPARISON BETWEEN TARGET AND

REALISASI SERTA PROYEKSI 1 (SATU) REALIZATION AS WELL AS PROJECTIONS
TAHUN MENDATANG IN THE NEXT 1 (ONE) YEAR
Target dan Realisasi Target and Realization

Bank telah menetapkan beberapa target keuangan yang The Bank has set several financial targets to be achieved,
akan dicapai yang telah disusun dalam Rencana Bisnis Bank which have been prepared in the 2021 Bank Business Plan
(RBB) tahun 2021. Secara umum, realisasi target keuangan (BBB). In general, the realization of these financial targets
tersebut telah sesuai dengan RBB tahun 2021. has been in accordance with the 2021 BBB.
Pada aspek pertumbuhan bisnis, realisasi total aset tercatat In the aspect of business growth, the realization of total
sebesar Rp58,89 triliun atau mencapai 97,18% dari target. assets was posted at Rp58.89 trillion or reaching 97.18%
Bank juga berhasil menyalurkan pembiayaan sebesar of the target. The Bank also managed to disburse Rp18.04
Rp18,04 triliun atau mencapai 81,69% dari target. Realisasi trillion in financing or reaching 81.69% of the target. The
pembiayaan ini belum mencapai target disebabkan kondisi realization of this financing has not reached the target
ekonomi yang belum sepenuhnya pulih. Sementara itu, due to economic conditions that have not fully recovered.

Bank berhasil menghimpun dana pihak ketiga (DPK) sebesar Meanwhile, the Bank managed to collect Rp46.87 billion in
Rp46,87 miliar atau mencapai 103,64% dari target. Pada third party funds (TPF) or reaching 103.64% of the target.
aspek profitabilitas, Pendapatan Operasional Bank tercatat In terms of profitability, the Bank’s Operating Income was
sebesar Rp2,78 triliun (102,49% dari target) dan laba sebelum posted at Rp2.78 trillion (102.49% of the target) and profit
pajak mencapai 49,8% dibandingkan dengan target. before tax reached 49.8% of the target.
Tabel Perbandingan Target dan Realisasi Comparison of Target and Realization Table
Target 2021 Realisasi 2021 Pencapaian (%)

Keterangan Description
2021 Target 2021 Realization Achievement (%)
Total Aset 60.608 58.899 97,18% Total Assets
Dana Pihak Ketiga 45.224 46.871 103,64% Third Party Funds
Pembiayaan 22.084 18.041 81,69% Financing
Pendapatan Operasional 2.713 2.781 102,49% Income after Profit Sharing
Laba (Rugi) sebelum Pajak 25 13 49,80% Profit (Loss) after Tax
Proyeksi Tahun Buku 2022 Projection for the 2022 Fiscal Year
Bank Muamalat telah menentukan target keuangan untuk Bank Muamalat has determined financial targets for the
tahun buku 2022 yang akan dicapai dalam Rencana Bisnis 2022 fiscal year which will be achieved in the Bank’s 2022
Bank (RBB) tahun 2022. Target tersebut disusun berdasarkan Business Plan (RBB). The targets are prepared based on
dasar pertimbangan, baik terkait dengan kondisi eksternal considerations, both related to the Bank’s external and
maupun internal Bank yang berpotensi mempengaruhi internal conditions that have the potential to affect BMI’s
kinerja BMI pada tahun depan. performance next year.
Pada aspek pertumbuhan bisnis, target total aset adalah In terms of business growth, the target for total assets is
Rp61,85 triliun atau naik 5,00% dari realisasi tahun 2021. Bank Rp61.85 trillion, an increase of 5.00% from the realization
juga menargetkan penyaluran pembiayaan sebesar Rp20,89 in 2021. The Bank is also targeting to disburse financing
triliun. Sementara itu, Bank menargetkan penghimpunan of Rp20.89 trillion. Meanwhile, the Bank is targeting to
dana pihak ketiga (DPK) sebesar Rp47,87 Miliar. Pada aspek raise third party funds (DPK) of Rp47.87 billion. In terms
profitabilitas, Pendapatan Operasional Bank ditargetkan of profitability, the Bank’s Operating Income is targeted at
sebesar Rp2,10 triliun dengan laba sebelum pajak mencapai Rp2.10 trillion with profit before tax of Rp50 billion.
sebesar Rp50 miliar.
Tabel Proyeksi, Realisasi, dan Perubahan Projection, Realization, and Changes

Proyeksi 2022 Realisasi 2021 Perubahan (%)

2022 Projection 2021 Realization Changes (%)
Total Aset 61.847 58.899 5,00% Total Assets
Dana Pihak Ketiga 47.871 46.871 2,13% Third Party Funds
Pembiayaan 20.892 18.041 15,80% Financing
Pendapatan Operasional 2.837 2.781 -24,49% Operating Income
Laba sebelum Pajak 50 13 284,62% Profit after Tax
ASPEK PEMASARAN MARKETING ASPECT
Kebijakan Pemasaran Marketing Policy

Bank Muamalat Indonesia menyusun kebijakan pemasaran Bank Muamalat Indonesia formulates its marketing policies
berdasarkan beragam faktor, baik internal dan eksternal. based on a number of factors, both internal and external.
Dari sisi internal, Bank berusaha menyelaraskan kebijakan Internally, the Bank seeks to align its marketing policies with
pemasaran dengan posisi Bank yang merupakan bank the position of the Bank, which is the first sharia bank in
syariah pertama di Indonesia dan pionir di industri Indonesia and a pioneer in the Indonesian sharia banking
perbankan syariah Indonesia. industry.
Kondisi tersebut menjadikan BMI memiliki posisi yang unik, This condition places BMI in a unique position, as well
sekaligus menjadi tantangan tersendiri khususnya bagi as a challenge in itself, especially in terms of business

2021 Annual Report
pengembangan bisnis. Sementara sebagai pionir, Bank development. Meanwhile, as a pioneer, the Bank has a crucial
memiliki peran penting dalam kemajuan perbankan syariah role in the development of sharia banking in Indonesia.
di Indonesia.
Dari sisi eksternal, Bank mempertimbangkan adanya Externally, the Bank considers digitalization and the growth
digitalisasi dan tumbuhnya industri halal serta semakin of the halal industry as well as the greater public awareness
besar kesadaran masyarakat terhadap literasi keuangan of sharia financial literacy. To respond to digitalization,
syariah. Dalam menghadapi digitalisasi tersebut, Bank the Bank has prepared a variety of strategies, including
telah mempersiapkan beragam strategi, antara lain by developing highly competitive products using digital
mengembangkan produk berdaya saing tinggi menggunakan systems, such as smart account opening. The bank will also
sistem digital seperti smart account opening. Bank juga akan develop financing applications using mobile banking in the
mengembangkan aplikasi pembiayaan menggunakan mobile future.
banking ke depannya.
Strategi Pemasaran Marketing Strategy

Seiring dengan mulai pulihnya kondisi perekonomian Along with the recovery of economic conditions even though
walaupun pandemi COVID-19 belum seutuhnya sirna, BMI the COVID-19 pandemic has not completely disappeared, BMI
melihat peluang bisnis tetap besar. Hal itu, terutama terlihat observes that business opportunities remain extensive. This
pada sektor layanan kesehatan, produk medis, makanan is particularly evident in the sectors of health care, medical
dan minuman, teknologi informasi, dan kebutuhan dasar products, food and beverages, information technology, and
lainnya. other basic needs.
Bank juga memberikan perhatian lebih pada layanan The Bank also pays more attention to operational banking
operasional perbankan, baik melalui transaksi banking hall services, both through banking hall transactions and digital
maupun digital banking. Dengan demikian, nasabah tetap banking. Accordingly, customers still feel comfortable, even
merasa nyaman, kendati di tengah pandemi. in the midst of a pandemic.
Sebagai upaya untuk menarik lebih banyak nasabah baru, In an effort to attract more new customers, the Bank paid
Bank sangat memperhatikan materi pemasaran yang relevan great attention to marketing materials relevant to the
dengan pandemi COVID-19. Mulai dari konten, experience, COVID-19 pandemic. Ranging from content, experience,
storytelling, dan kegiatan sharing. Bank juga merealisasikan storytelling, and sharing activities. The Bank also realized
sejumlah kebijakan produk yang dapat menarik minat dan a number of product policies that can attract interest and
membantu masyarakat, di antaranya muqosah margin dan assist the community, including muqosah margin and ease of
kemudahan dalam membayar melalui relaksasi pembiayaan paying through financing relaxation and the implementation
dan penerapan cicilan bertahap dengan tempo yang lebih of gradual installments with longer maturities, or changes in
panjang, atau perubahan angsuran. installments.
BMI juga senantiasa menjalin komunikasi dengan nasabah BMI also continuously communicates with customers
secara virtual untuk menginformasikan dan menjawab virtually to inform and respond to customer complaints.
keluhan nasabah. Kegiatan tersebut dilakukan melalui These activities are carried out through various information
beragam saluran informasi, dari e-mail, website, media sosial, channels, from e-mail, websites, social media, push
push notification, maupun pesan melalui aplikasi MDIN. notifications, and messages through the MDIN application.
Pangsa Pasar Market Share

Mengacu pada Statistik Perbankan Syariah Desember Referring to the December 2021 Sharia Banking Statistics
2021 yang dikeluarkan oleh OJK, terdapat 15 bank umum issued by the FSA, there are 15 sharia commercial banks
syariah dan 20 unit usaha syariah. Dari 15 bank tersebut, and 20 sharia business units. Of the 15 banks, BMI is in the
BMI menduduki posisi kedua dalam jumlah jaringan kantor second position in terms of number of office networks with
dengan 80 kantor pusat, 131 kantor cabang pembantu dan 80 head offices, 131 sub-branch offices, and 29 cash offices.
29 kantor kas.
Sedangkan pangsa pasar jika dilihat dari sisi aset, pangsa Moreover, market share in terms of assets, the market share
BMI mencapai 8,69% dengan aset per Desember 2021 of BMI reached 8.69% with assets as of December 2021
sebesar Rp58,90 triliun. Sementara total aset UUS & BUS di amounting to Rp58.90 trillion. Meanwhile, the total assets of
Indonesia mencapai Rp677,74 triliun. BUS & UUS in Indonesia reached Rp677.74 trillion.

Dari sisi total pembiayaan yang disalurkan oleh bank syariah Bank Muamalat Indonesia contributed Rp18.04 trillion of
yang mencapai Rp409,88 triliun, kontribusi pembiayaan Bank financing to the total financing disbursement of sharia banks
Muamalat Indonesia sebesar Rp18,04 triliun. Sementara itu of Rp409.88 trillion. Meanwhile, third-party funds (DPK) at
nilai DPK Bank Muamalat yang tercatat sebesar Rp46,87 Bank Muamalat was recorded at Rp46.87 trillion, of the total
triliun, dari total DPK Bank Syariah yang mencapai Rp536,99 DPK of sharia banks of Rp536.99 trillion.
triliun.
DIVIDEN DIVIDEND
Kebijakan Policy
Mengacu peraturan perundang-undangan di Indonesia Pursuant to the laws and regulations in Indonesia and the
dan Anggaran Dasar Bank, keputusan pembagian dividen Articles of Association of the Bank, the decision to distribute
ditetapkan melalui persetujuan Pemegang Saham pada RUPS dividends is determined through the approval of the
tahunan. Pembahasan tersebut diawali oleh rekomendasi Shareholders at the annual GMS. The discussion is initiated
dari Direksi Bank dengan memperhatikan sejumlah faktor. by a recommendation from the Bank’s Board of Directors by
taking into account a number of factors.
Faktor-faktor tersebut yaitu posisi keuangan Bank, tingkat These factors are the Bank’s financial position, soundness
kesehatan, posisi permodalan, target dan proyeksi level, capital position, targets and projections of future
kecukupan modal di masa depan, kepatuhan terhadap capital adequacy, compliance with applicable regulations,
peraturan yang berlaku, rencana dan prospek usaha Bank the Bank’s business plans and outlook in the future, as well
di masa depan, dan hal-hal lain yang dipandang relevan oleh as other matters deemed relevant by the Bank’s Board of
Direksi Bank. Directors.
Namun demikian, tidak ada jaminan bahwa Bank akan However, there are no guarantees that the Bank will have
memiliki kemampuan atau akan membayar dividen the ability or will pay dividends or both in the future.
atau keduanya pada masa yang akan datang. Demikian Likewise, if determined by the regulator, the Bank may
pula apabila ditentukan oleh regulator, Bank dapat tidak not distribute dividends to the Shareholders of BMI, such
membagikan dividen kepada Pemegang Saham BMI, seperti as in the event that the Bank requires funds to develop a
dalam hal Bank membutuhkan dana untuk melakukan business or fulfilling the capital adequacy as determined by
pengembangan usaha atau pemenuhan kecukupan modal the regulator.
yang ditentukan oleh regulator.
Dengan demikian, Bank hanya akan membayar dividen Accordingly, the Bank will only pay dividends from net
dari laba bersih berdasarkan peraturan perundang- income based on the prevailing laws and regulations in
undangan yang berlaku di Indonesia. Pembayaran dividen Indonesia. Dividend payments can be made in the form
dapat dilakukan dalam bentuk pembayaran secara tunai, of cash payments, the issuance of dividend shares, or a
penerbitan saham dividen atau kombinasi dari keduanya. combination of both.
Anggaran Dasar Bank memperbolehkan distribusi laba tahun The Bank’s Articles of Association allow the distribution of the
berjalan Bank dalam bentuk pembagian dividen interim Bank’s profit for the year in the form of an interim dividend
selama dividen interim tersebut tidak menyebabkan nilai as long as the interim dividend does not cause the value of
aset bersih Bank menjadi lebih kecil dari modal ditempatkan the Bank’s net assets to be less than the issued and paid-
dan disetor. Selain itu, Bank harus memperhatikan ketentuan up capital. In addition, the Bank must take into account the
mengenai penyisihan cadangan wajib sebagaimana yang provisions regarding the provision for mandatory reserves
disyaratkan dalam UU Perseroan Terbatas. as required in the Limited Liability Company Law.
Distribusi dividen interim tersebut akan ditetapkan The distribution of the interim dividend will be determined
berdasarkan keputusan Direksi Bank setelah disetujui Dewan based on the decision of the Bank’s Board of Directors after
Komisaris. Jika pada akhir tahun keuangan Bank mengalami being approved by the Board of Commissioners. If at the end
kerugian, distribusi dividen interim harus dikembalikan oleh of the fiscal year the Bank suffers a loss, the distribution of
para Pemegang Saham kepada Bank, dan Direksi Bersama- interim dividends must be returned by the Shareholders to
sama dengan Dewan Komisaris akan bertanggung jawab the Bank, and the Board of Directors together with the Board
secara tanggung-renteng dalam hal dividen interim tidak of Commissioners will be jointly and severally responsible
dikembalikan ke Bank. in the event that the interim dividend is not returned to
the Bank.

2021 Annual Report
Dividen yang Dibagikan Dividends Distributed

Berdasarkan hasil keputusan RUPST Bank tanggal 29 April Based on the resolution of the Bank’s AGMS on April 29,
2021 diputuskan bahwa laba bersih Bank tahun buku 2020 2021, it was decided that the Bank’s net profit for the 2020
digunakan untuk cadangan modal, sehingga tidak diadakan fiscal year is used for capital reserves, meaning that the Bank
pembagian dividen atas laba bersih Bank tahun buku 2020. would not pay a dividend for the fiscal year 2020.
KEPATUHAN PEMBAYARAN PAJAK TAX PAYMENT COMPLIANCE

Kontribusi Bank Muamalat Indonesia kepada negara, The contribution of Bank Muamalat Indonesia to the state
diwujudkan melalui pemenuhan kewajiban Perusahaan is manifested through the fulfillment of the Company’s
sebagai wajib pajak dan sebagai pemotong/pemungut pajak. obligations as a taxpayer and as a tax withholder/collector.
Pemenuhan kewajiban membayar pajak Perusahaan pada Fulfillment of the Company’s tax obligations in 2021
tahun 2021 adalah sebesar Rp22,05 miliar atau menurun amounted to Rp22.05 billion, a decrease of 25.57% compared
25,57% dibandingkan dengan tahun 2020 yang tercatat to 2020, which was posted at Rp27.69 billion.
sebesar Rp27,69 miliar.
Tabel Kepatuhan Pembayaran Pajak Tax Payment Compliance

Keterangan 2021 2020 Description

Pajak Penghasilan - - Income Tax
Pasal 4 (2) 12 21 Article 4 (2)
Pasal 21 5 5 Article 21
Pasal 23 0,14 0,20 Article 23
Pasal 26 0,90 0,09 Article 26
Pasal 29 2 0,04 Article 29
Pajak Pertambahan Nilai 2 1 Value Added Tax
Jumlah 22 28 Total
PROGRAM KEPEMILIKAN SAHAM EMPLOYEE AND/OR MANAGEMENT

KARYAWAN DAN/ATAU MANAJEMEN SHARE OWNERSHIP PROGRAM (ESOP/
(ESOP/MSOP) MSOP)
Hingga 31 Desember 2021, Bank tidak mengeluarkan Up to December 31, 2021, the Bank has not issued an
program Kepemilikan Saham oleh Karyawan dan/atau Employee and/or Management Share Ownership Program
Manajemen (ESOP/MSOP). Oleh karena itu, Bank tidak (ESOP/MSOP). Therefore, the Bank does not provide the
menyajikan informasi terkait: information relating to:
1. jumlah saham ESOP/MSOP dan realisasinya; 1. number of ESOP/MSOP shares and realization;
2. jangka waktu; 2. time Period;
3. persyaratan karyawan dan/atau manajemen yang 3. requirements for eligible employees and/or
berhak; dan management; and
4. harga exercise. 4. exercise price.
INFORMASI MATERIAL TERKAIT DENGAN MATERIAL INFORMATION RELATED TO

INVESTASI, EKSPANSI, DIVESTASI, INVESTMENT, EXPANSION, DIVESTMENT,
AKUISISI, DAN RESTRUKTURISASI ACQUISITION, AND RESTRUCTURING
Investasi Investment
Bank Muamalat Indonesia tidak melakukan kegiatan Bank Muamalat Indonesia did not make any investments
investasi di tahun 2021 sehingga informasi terkait tujuan, in 2021 so information regarding the transaction purpose,
nilai transaksi dan sumber dana kegiatan investasi tidak amount, and source of funds for investments cannot be
disajikan oleh Bank Muamalat Indonesia. disclosed.
Ekspansi Expansion
Bank Muamalat Indonesia tidak melakukan kegiatan Bank Muamalat Indonesia did not make any expansion
ekspansi di tahun 2021 sehingga informasi terkait tujuan, in 2021 so the Bank cannot disclose information on the
nilai transaksi dan sumber dana kegiatan ekspansi tidak transaction purpose, amount, and source of funds for this
disajikan oleh Bank Muamalat Indonesia. type of transaction.

Divestasi Divestment
Bank Muamalat Indonesia tidak melakukan transaksi Bank Muamalat Indonesia did not make any material
kegiatan divestasi yang material di tahun 2021. divestment transactions in 2021.
Akuisisi Acquisition
Tahun 2021, Bank Muamalat Indonesia tidak melakukan In 2021, Bank Muamalat Indonesia did not make any
kegiatan akuisisi sehingga informasi terkait tujuan, nilai acquisition so the Bank cannot disclose information on the
transaksi dan sumber dana kegiatan akuisisi tidak disajikan. transaction purpose, amount, and source of funds for this
type of transaction.
Restrukturisasi Restructuring
Jumlah pembiayaan yang telah direstrukturisasi Bank The amount of financing that the Bank has restructured on
pada tanggal 31 Desember 2021 dan 2020 masing-masing December 31, 2021 and 2020 is Rp5,698 billion and Rp5,235
adalah sebesar Rp5.698 miliar dan Rp5.235 miliar. Skema billion, respectively. Restructuring schemes are generally
restrukturisasi umumnya dilakukan dengan perpanjangan carried out by extending the repayment period of receivables
masa pelunasan piutang dan penjadwalan kembali and rescheduling overdue payments.
pembayaran yang tertunggak.
REALISASI PENGGUNAAN DANA HASIL REALIZATION OF THE USE OF PROCEEDS

PENAWARAN UMUM FROM PUBLIC OFFERING
Bank Muamalat melakukan Penambahan Modal dengan Bank Muamalat carried out Capital Increase with Pre-
Hak Memesan Efek Terlebih Dahulu atau PMHMETD VI yang emptive Rights or PMHMETD VI, which basically takes
pada pokoknya pelaksanaan PMHMETD VI berlangsung place on PMHMETD VI on 30-12-2021 until the allotment of
pada tanggal 30-12-2021 sampai dengan penjatahan saham shares on 12-1-2022 and all shares issued in the PMHMETD
tanggal 12-1-2022 dan seluruh saham yang dikeluarkan VI amounted to 39,810,039,107 (thirty-nine billion eight
dalam PMHMETD VI sejumlah 39.810.039.107 (tiga puluh hundred and ten million thirty-nine thousand one hundred
sembilan miliar delapan ratus sepuluh juta tiga puluh and seven) shares. The par value per share amounted to
sembilan ribu seratus tujuh) saham. Adapun nilai nominal Rp30, as well as the exercise price.
per lembar saham sebesar Rp30, begitu pun dengan harga
pelaksanaan.
Saham baru yang ditawarkan adalah saham baru yang akan The new shares offered are new shares that will be issued
dikeluarkan dari portepel Perseroan. Dari aksi korporasi from the Company’s portfolio. From this corporate action,
ini, Bank menghimpun dana sebanyak-banyaknya senilai the Bank raised as much as Rp1,194,301,173,210 with the
Rp1.194.301.173.210 dengan biaya yang dikeluarkan dalam costs incurred in the implementation of the Pre-emptive
rangka pelaksanaan HMETD sebesar 0,98% dari total dana Rights amounting to 0.98% of the total funds obtained.
yang didapat.
Dana tersebut akan digunakan untuk memperkuat struktur The funds will be used to strengthen the Bank’s capital
permodalan Bank dalam rangka kegiatan pembiayaan structure in the framework of sharia financing activities,
syariah yang merupakan bagian dari kegiatan usaha utama which are part of the Bank’s main business activities as well as
Bank serta peruntukan lainnya yang dapat mendukung other objectives that can support Bank Muamalat’s business
pertumbuhan bisnis Bank Muamalat. Setelah proses growth. After the PMHMETD VI process is completed and the
PMHMETD VI selesai dan dana diterima oleh Bank, dana funds are received by the Bank, the funds will be classified
akan diklasifikasikan ke dalam Modal Inti (Tier-1) Perseroan into the Company’s Core Capital (Tier-1) and form part of the
dan merupakan bagian dari struktur permodalan BMI. capital structure of BMI.
TRANSAKSI MATERIAL YANG MATERIAL TRANSACTIONS CONTAINING

MENGANDUNG BENTURAN CONFLICTS OF INTEREST AND/OR
KEPENTINGAN DAN/ATAU TRANSAKSI TRANSACTIONS WITH AFFILIATED/
DENGAN PIHAK AFILIASI/BERELASI RELATED PARTIES
Pada tahun 2021, tidak terdapat transaksi material yang In 2021, there were no material transactions containing
mengandung benturan kepentingan. Bank mendefinisikan conflicts of interest. The Bank defines transactions with
transaksi dengan pihak-pihak berelasi sesuai dengan PSAK related parties in accordance with PSAK No. 7 (2010
No. 7 (Penyesuaian 2010) tentang “Pengungkapan Pihak- Adjustment) on “Disclosure of Related Parties”.
pihak Berelasi”.

2021 Annual Report
Suatu pihak dianggap pihak berelasi dengan Bank jika: A party is considered a related party to the Bank if:
1. Langsung atau tidak langsung yang melalui satu atau 1. It directly or indirectly through one or more
lebih perantara, suatu pihak (i) mengendalikan, atau intermediaries, (i) controls, or is controlled by, or is under
dikendalikan oleh, atau berada di bawah pengendalian common control with, the Bank; (ii) has an interest in the
bersama, dengan Bank; (ii) memiliki kepentingan dalam Bank and has significant influence over the Bank; or (iii)
Bank yang memberikan pengaruh signifikan atas Bank has joint control over the Bank;
atau (iii) memiliki pengendalian bersama atas Bank;
2. suatu pihak yang berada dalam kelompok usaha yang 2. it is a member of the same group of which the Bank is
sama dengan Bank; also a member;
3. suatu pihak adalah ventura bersama di mana Bank 3. is a joint venture in which the Bank acts as the venture;
sebagai venture;
4. suatu pihak adalah anggota dari personel dari 4. it is a member of the key management personnel of the
manajemen kunci Bank; Bank;
5. suatu pihak adalah anggota keluarga dekat dari individu 5. it is a close family member of an individual as described
yang diuraikan dalam butir (1) atau (4); in point (1) or (4);
6. suatu pihak adalah entitas yang dikendalikan, 6. it is an entity that is controlled, jointly controlled or
dikendalikan bersama atau dipengaruhi signifikan oleh significantly influenced by or have significant voting
atau untuk pihak yang memiliki hak suara signifikan pada rights in several entities, directly or indirectly, which are
beberapa entitas, langsung maupun tidak langsung, individuals described in point (4) or (5); and
yaitu individu seperti diuraikan dalam butir (4) atau (5);
dan
7. suatu pihak adalah suatu program imbalan pasca kerja 7. it is a post-employment benefit plan program for the
untuk imbalan kerja dari Bank atau entitas yang terkait employee benefit of either the Bank or its related party.
dengan Bank.
Transaksi dengan Pihak Afiliasi atau Berelasi Transactions with Affiliated or Related
Parties
Dari definisi PSAK No. 7 (Revisi 2010) mengenai From the definition of PSAK No. 7 (2010 Revision) on
“Pengungkapan Pihak-pihak Berelasi”, Bank Muamalat “Disclosure of Related Parties”, Bank Muamalat classifies
mengelompokkan pihak-pihak berelasi: Dewan Komisaris, related parties: the Board of Commissioners, Board of
Direksi, dan karyawan kunci, pemegang saham, komisaris Directors, and key employees, shareholders, commissioners
PT Syarikat Takaful Indonesia, Pengurus utama Baitul Maal of PT Syarikat Takaful Indonesia, the Key Management of
Muamalat dan Dana Pensiun Lembaga Keuangan Muamalat, Baitul Maal Muamalat and the Muamalat Financial Institution
PT Al Ijarah Indonesia Finance. Pension Fund, PT Al Ijarah Indonesia Finance.
Seluruh transaksi dan saldo yang material dengan pihak- All material transactions and balances with related parties
pihak berelasi diungkapkan dalam catatan atas laporan are disclosed in the relevant notes to the financial statements
keuangan yang relevan dan rinciannya telah disajikan dalam and the details are presented in the financial statements.
laporan keuangan.
Kewajaran Transaksi Fairness of Transactions

Transaksi benturan kepentingan atau dengan pihak afiliasi Transactions containing conflicts of interest or with affiliated
yang dilakukan oleh Bank, didasari pada persyaratan yang parties carried out by the Bank, are based on requirements
disetujui oleh kedua belah pihak. Transaksi dengan pihak- agreed by both parties. Transactions with related parties
pihak berelasi dilakukan dengan syarat dan kondisi yang are carried out with the same terms and conditions as
sama dengan transaksi-transaksi dengan pihak ketiga. transactions with third parties.
Bank memiliki kebijakan mengenai transaksi yang The Bank has established a policy regarding transactions
mengandung benturan kepentingan dan/atau transaksi that contain conflicts of interest and/or transactions with
dengan pihak berelasi. Transaksi material diputuskan related parties. Material transactions are decided by the
oleh Dewan Komisaris dan senantiasa dilakukan dengan Board of Commissioners and are always carried out with due
memperhatikan prinsip kehati-hatian, serta telah memenuhi observance of the principle of prudence, and have complied
ketentuan maupun peraturan perundang-undangan yang with the provisions and applicable laws and regulations.
berlaku.

Selain itu, transaksi material juga harus diputuskan oleh In addition, material transactions must also be decided by
Dewan Komisaris secara Independen. Selama tahun 2021 the Board of Commissioners independently. During 2021
tidak terdapat pelanggaran atas peraturan perundang- there were no violations of laws and regulations related
undangan terkait dengan transaksi dengan pihak berelasi to transactions with related parties and there were no
serta tidak terdapat transaksi yang mengandung benturan transactions containing conflicts of interest.
kepentingan.
Pemenuhan Peraturan dan Ketentuan Compliance with Rules and Regulations

Transaksi benturan kepentingan atau dengan pihak afiliasi Transactions containing conflicts of interest or with affiliated
yang dilakukan oleh Bank berlandaskan pada syarat dan parties conducted by the Bank are based on the same
kondisi yang sama dengan transaksi-transaksi dengan pihak terms and conditions as transactions with third parties.
ketiga. Transaksi yang dilakukan Bank telah memenuhi Transactions carried out by the Bank have complied with
Peraturan Otoritas Jasa Keuangan (POJK) No. 17/2020 the Regulation of the Financial Services Authority (POJK) No.
tentang Transaksi Material dan Perubahan Kegiatan 17/2020 on Material Transactions and Changes in Business
Usaha, dan POJK No. 42/2020 tentang Transaksi Afiliasi Activities, and POJK No. 42/2020 on Affiliated Transactions
dan Transaksi Benturan Kepentingan, pada saat transaksi- and Transactions containing Conflict of Interest, when these
transaksi tersebut dilakukan. transactions are made.
Pernyataan Direksi Statement of the Board of Directors

Direksi selalu memastikan bahwa transaksi afiliasi yang The Board of Directors always ensures that affiliated
berlangsung di Bank sesuai dengan definisi peraturan transactions that take place at the Bank are in accordance
perundang-undangan yang berlaku. Transaksi juga telah with the definition of the prevailing laws and regulations.
melalui prosedur yang memadai serta sesuai dengan Transactions have also gone through adequate procedures
praktik bisnis yang berlaku umum, antara lain dilakukan and are in accordance with generally accepted business
dengan memenuhi prinsip transaksi yang wajar (arm’s- practices, among others carried out by complying with the
length principle). arm’s-length principle.
Peran Dewan Komisaris dan Komite Audit Role of the Board of Commissioners and
Audit Committee
Untuk transaksi material yang mengandung benturan For material transactions with conflicts of interest, the Board
kepentingan, Dewan Komisaris dan Komite Audit memiliki of Commissioners and the Audit Committee have a role to
peran untuk memastikan transaksi yang dilakukan melalui ensure that transactions are carried out through adequate
prosedur yang memadai. Transaksi juga harus dilaksanakan procedures. Transactions must also be carried out in
sesuai dengan praktik bisnis yang berlaku umum serta accordance with generally accepted business practices and
memenuhi prinsip transaksi yang wajar (arm’s-length comply with the arm’s-length principle.
principle).
Rujukan dalam Laporan Keuangan Reference in the Financial Statements

Beberapa rujukan transaksi pada laporan keuangan Bank Some reference transactions in the Bank’s financial
adalah sebagai berikut: statements are as follows:
• Pada tanggal 15 November 2021, Bank telah melakukan • On November 15, 2021, the Bank has entered into
serangkaian transaksi penyelesaian aset berkualitas transactions of low quality assets with earning assets
rendah dengan aset produktif (asset sale). Transaksi asset (asset sale). The asset sale transaction was carried out
sale telah dilaksanakan pada tanggal 15 November 2021 on November 15, 2021, one of which was the issuance
yang salah satunya berupa penerbitan Sertifikat Sukuk of a Sukuk Mudharabah Certificate of Rp2,440,856,000
Mudharabah sebesar Rp2.440.856.000 kepada PT PPA. to PT PPA. The transaction was approved by the
Transaksi tersebut telah disetujui oleh pemegang saham shareholders at the Extraordinary General Meeting of
pada Rapat Umum Pemegang Saham Luar Biasa tanggal Shareholders on April 29, 2022.
29 April 2022.
• Berdasarkan Rapat Umum Pemegang Saham Luar Biasa • Based on the Extraordinary General Meeting of
yang tercantum dalam akta notaris Ashoya Ratam, S.H. Shareholders as stated in the notarial deed of Ashoya
M.Kn, No. 51 tanggal 30 Agustus 2021, para pemegang Ratam, S.H. M.Kn, No. 51 dated August 30, 2021, fans
saham menyetujui peningkatan modal ditempatkan who experienced an increase in their issued and fully
dan disetor penuh melalui Penambahan Modal dengan paid capital through Capital Increase by Granting Pre-
Memberikan Hak Memesan Efek Terlebih Dahulu VI emptive Rights VI (MPHMETD VI) on Series C Shares
(MPHMETD VI) atas Saham Seri C dengan nilai nominal with a nominal value of Rp30 (in full rupiah) per share

2021 Annual Report
Rp30 (dalam rupiah penuh) per lembar saham serta and an amount of 40,000,000,000 shares. In connection
dengan jumlah sebanyak-banyaknya 40.000.000.000 with this addition of Series C Shares, the fans approved
lembar saham. Sehubungan dengan penambahan the amendment to paragraph 4 of the Bank’s articles
Saham Seri C ini, pemegang saham menyetujui of association related to an increase in the amount of
perubahan ayat 4 dari anggaran dasar Bank yang authorized capital to Rp5,600,000,000. On December 16,
berkaitan dengan peningkatan jumlah modal dasar 2021, the Bank obtained an effective statement from
menjadi Rp5.600.000.000. Pada tanggal 16 Desember the Board of Commissioners of the Financial Services
2021, Bank memperoleh pernyataan efektif dari Dewan Authority with its letter No. S-237/D.04/2021 to conduct
Komisioner Otoritas Jasa Keuangan dengan suratnya PMHMETD VI of 39,810,039,107 (full amount) shares with
No.S-237/D.04/2021 untuk melakukan PMHMETD VI a nominal value of Rp30. The additional capital obtained
sebanyak-banyaknya 39.810.039.107 (dalam nilai penuh) from PMHMETD VI amounted to Rp1,194,301,173.
lembar saham dengan nilai nominal Rp30. Penambah
modal yang diperoleh dari PMHMETD VI tersebut
berjumlah Rp1.194.301.173.
PERUBAHAN PERATURAN PERUNDANG- AMENDMENTS TO THE LAWS AND

UNDANGAN YANG BERPENGARUH REGULATIONS THAT AFFECT THE
TERHADAP PERUSAHAAN COMPANY
Sebagai entitas usaha yang sarat dengan peraturan, Bank As a business entity engaging in a heavily regulated industry,
Muamalat Indonesia senantiasa memantau dan memonitor Bank Muamalat Indonesia constantly monitors regulatory
perkembangan peraturan perundang-undangan yang changes and ensures compliance every time a new regulation
ada serta selalu patuh kepada aturan tersebut. Adapun amends or supersedes another. The regulatory changes that
perubahan perundang-undangan yang memberikan had an impact on the Bank throughout 2021 are as follows.
pengaruh pada Bank sepanjang tahun 2021 adalah sebagai
berikut.
Tabel Perubahan Peraturan Perundang-undangan Changes in Laws and Regulations

Peraturan Pokok Peraturan Dampak Bagi Bank
No
Regulation Principle Impact on the Bank
1 SEOJK No.14/SEOJK.03/2021 1. Penyampaian Rencana Bisnis. Laporan Realisasi Rencana Bisnis. Bank harus menyesuaikan
tentang Rencana Bisnis dan Laporan Pengawasan Rencana Bisnis secara daring melalui format baru dan pelaksanaan
Bank Umum Syariah dan sistem pelaporan OJK (APOLO). penyampaian laporan.
Unit Usaha Syariah 2. Penyesuaian format proyeksi laporan keuangan menjadi
mengacu pada Laporan Bank Umum Terintegrasi; 3.
Penyesuaian format rencana penerbitan produk dan/atau
pelaksanaan aktivitas baru yang menjadi bersifat strategis.
SEOJK No.14/SEOJK.03/2021 1. Submission of the Business Plan. Business Plan Realization The Bank must adapt the new
on Business Plans for Sharia Report and online Business Plan Supervision Report via the OJK format and implementation of
Commercial Banks and reporting system (APOLO). report submission.
Sharia Business Units 2. Adjustment of the financial report projection format to refer to
the Integrated Commercial Bank Report.
2 Surat Edaran Otoritas Penyesuaian ketentuan mengenai bentuk dan isi laporan tahunan Bank harus menyesuaikan
Jasa Keuangan No. 16/ emiten atau perusahaan publik. format baru dan pelaksanaan
SEOJK.04/2021 tentang penyampaian laporan.
Bentuk dan Isi Laporan
Tahunan Emiten atau
Perusahaan Publik
Circular Letter of the Adjustment of provisions regarding the form and content of the The Bank must adapt the new
Financial Services Authority annual report of issuers or public companies. format and implementation of
No. 16/SEOJK.04/2021 on report submission.
the Form and Content
of the Annual Report of
Issuers or Public Companies

Peraturan Pokok Peraturan Dampak Bagi Bank

No
Regulation Principle Impact on the Bank
3 POJK No. 17/POJK.03/2021 Pokok-pokok penyesuaian: Bank harus
Tentang Perubahan Kedua 1. Bank dapat menetapkan untuk debitur yang terkena dampak mengimplementasikan
Atas Peraturan Otoritas penyebaran COVID-19 sampai dengan 31 Maret 2023: kebijakan relaksasi berpedoman
Jasa Keuangan No. 11/ a. Penilaian kualitas aset berdasarkan ketepatan pembayaran pada ketentuan OJK.
POJK.03/2020 tentang untuk kredit/pembiayaan dengan plafon hingga Rp10 miliar
Stimulus Perekonomian b. Penetapan kualitas lancar atas kredit/pembiayaan yang Teknis pelaksanaan tetap
Nasional Sebagai Kebijakan direstrukturisasi dijalankan mengikuti strategi
Countercyclical Dampak c. Penetapan kualitas kredit/pembiayaan baru secara terpisah penanganan yang selektif
Penyebaran Coronavirus dari fasilitas existing disertai pengawasan yang
Disease 2019 2. Cakupan stimulus: ketat terhadap perkembangan
a. Penyediaan dana pendidikan kurang dari 5% dari anggaran portofolio restrukturisasi
pengeluaran SDM bagi bank tidak hanya berlaku untuk tahun COVID-19 untuk menjaga
2020 dan 2021. tetapi juga untuk tahun 2022 kualitas kinerja aset Bank secara
b. Penetapan kualitas Agunan yang Diambil Alih (AYDA) menyeluruh.
oleh bank yang diperoleh sampai dengan 31 Maret 2020
berdasarkan kualitas agunan yang diambil alih posisi akhir
bulan Maret 2020 sampai dengan 31 Maret 2023
c. LCR, NSFR, dan Capital Conservation Buffer (CCB) berlaku
sampai dengan 31 Maret 2022
POJK No. 17/POJK.03/2021 Adjustment points: The Bank must implement a
on the Second Amendment 1. The Bank can stipulate debtors that are affected by the relaxation policy based on FSA
to the Financial Services COVID-19 outbreak up to March 31, 2023: regulations.
Authority Regulation a. Assessment of asset quality based on the accuracy of
No. 11/POJK.03/2020 on payments for credit/financing with a ceiling of up to Rp10 Technical implementation will
National Economic Stimulus billion continue to be carried out
as a Countercyclical Policy b. Determination of the current quality of restructured loans/ through a selective handling
for the Impact of the financing strategy as well as strict
2019 Coronavirus Disease c. Determining the quality of new credit/financing separately supervision of the development
Outbreak from existing facilities of the COVID-19 restructuring
2. Stimulus coverage: portfolio to maintain the quality
a. The provision of education funds of less than 5% of the HR of the Bank’s overall asset
expenditure budget for banks is not only valid for 2020 and performance.
2021, but also for 2022
b. Determination of the quality of Foreclosed Collateral (AYDA)
by the bank obtained up to March 31, 2020 based on the
quality of the collateral taken over the position of the end of
March 2020 to March 31, 2023
c. LCR, NSFR, and Capital Conservation Buffer (CCB) are still valid
until March 31, 2022
4 PBI No. 23/6/PBI/2021 Melalui peraturan ini, pemberian izin bagi PJP akan dilakukan Bank sebagai Penyedia JASA
tanggal 1 Juli 2021 tentang berdasarkan kategori izin atau kelompok aktivitas (bundling) Sisitem Pembayaran harus
Penyedia Jasa Pembayaran. yang didukung dengan pengutan proses bisnis, mekanisme dan memenuhi ketentuan dan
persyaratan perizinan untuk menata industri Sistem Pembayaran. pelaporan sebagaimana
peraturan tersebut
PBI No. 23/6/PBI/2021 Through this regulation, the issuance of permits for PJPs will The Bank as a Payment System
dated July 1, 2021 on be carried out based on the permit category or activity group SERVICES Provider must
Payment Service Providers. (bundling) that are supported by business processes, mechanisms comply with the provisions and
and licensing requirements to regulate the Payment System reporting as stated in these
industry. regulations
5 PBI No. 23/13/PBI/2021 Melalui aturan ini, Bank wajib memenuhi RPIM secara bertahap Bank harus memenuhi RPIM
tanggal 31 Agustus 2021 paling sedikit 20% pada posisi akhir bulan Juni 2022 dan Desember secara bertahap dengan tetap
perihal Rasio Pembiayaan 2022 dengan tetap memperhatikan prinsip kehati-hatian dan memperhatikan prinsip kehati-
Inklusif Makroprudensial manajemen risiko dalam melakukan pemenuhan RPIM. hatian dan manajemen risiko
bagi Bank Umum dalam melakukan pemenuhan
Konvensional, Bank Umum RPIMn
Syariah, dan Unit Usaha
Syariah.
PBI No. 23/13/PBI/2021 Through this rule, Banks are required to gradually meet the The Bank must gradually fulfill
dated August 31, 2021 on RPIM, at least 20% at the end of June 2022 and December 2022 the RPIM while still taking
Macroprudential Inclusive while still taking into account the principles of prudence and risk into account the principles of
Financing Ratio for management in fulfilling the RPIM. prudence and risk management
Commercial Banks, Sharia in fulfilling the RPIM
Commercial Banks, and
Sharia Business Units.

2021 Annual Report
PERUBAHAN KEBIJAKAN AKUNTANSI CHANGES IN ACCOUNTING POLICY

Standar baru, revisi dan interpretasi yang telah diterbitkan, The new standards, revisions and interpretations that have
dan yang berlaku efektif untuk tahun buku yang dimulai pada been issued, and which are effective for the financial year
atau setelah tanggal 1 Januari 2021 namun tidak berdampak starting on or after January 1, 2021 but have no material
material terhadap laporan keuangan adalah sebagai berikut: impact on the financial statements are as follows:
• Amandemen PSAK 62: Kontrak Asuransi. • Amendment to PSAK 62: Insurance Contract.
• Amandemen PSAK 110: Akuntansi Sukuk. • Amendment to PSAK 110: Sukuk Accounting.
• Amandemen PSAK 111: Akuntansi Wa’d. • Amendment to PSAK 111: Wa’d Accounting.
• PSAK 112: Akuntansi Wakaf. • PSAK 112: Waqf Accounting.
• Amandemen PSAK 55: Instrumen Keuangan: Pengakuan • Amendment to PSAK 55: Financial Instruments:
dan Pengukuran. Recognition and Measurement.
• Amandemen PSAK 60: Instrumen Keuangan: • Amendment to PSAK 60: Financial Instruments:
Pengungkapan. Disclosure.
Implementasi dari standar-standar tersebut tidak The implementation of these standards does not result in
menghasilkan perubahan kebijakan akuntansi dan tidak changes in accounting policies and has no impact on the
memiliki dampak terhadap jumlah yang dilaporkan di amounts reported in the current period or the previous year.
periode berjalan atau tahun sebelumnya.
Berikut ini adalah ikhtisar beberapa Pernyataan Standar The following is an overview of several Statements of
Akuntansi Keuangan (PSAK) dan Interpretasi Standar Financial Accounting Standards (PSAK) and Interpretation of
Akuntansi Keuangan (ISAK) yang diterbitkan oleh Dewan Financial Accounting Standards (ISAK) issued by the Financial
Standar Akuntansi Keuangan (DSAK) - IAI yang relevan untuk Accounting Standards Board (DSAK) - IAI that are relevant to
Bank namun belum berlaku efektif untuk laporan keuangan the Bank but not yet effective for the financial statements of
31 Desember 2021: December 31, 2021:
• Amandemen PSAK 22: Kombinasi Bisnis tentang • Amendment to PSAK 22: Business Combination of
Referensi ke Kerangka Konseptual. Reference to a Conceptual Framework.
• Amandemen PSAK 57: Provisi, Liabilitas Kotijensi, dan • Amendment to PSAK 57: Provisions, Contingent
Aset Kontijensi tentang Kontrak yang Merugi-Biaya Liabilities, and Contingent Assets Regarding Lossed
Memenuhi Kontrak. Contracts-Cost of Fulfilling Contracts.
• Penyesuaian Tahunan PSAk No. 73, “Sewa”. • Annual Adjustment to PSAk No. 73, “Lease”.
Standar tersebut belum berlaku efektif pada tahun buku These standards are not yet effective for financial years
yang dimulai pada atau setelah tanggal 31 Desember starting on or after December 31, 2021. At the date of
2021. Pada saat tanggal penerbitan laporan keuangan ini, issuance of these financial statements, management is
manajemen sedang mempelajari dampak yang mungkin studying the possible impact of the adoption of the new
timbul dari penerapan standar baru dan revisi tersebut serta and revised standards and their effects on the financial
pengaruhnya pada laporan keuangan. statements.

INFORMASI KELANGSUNGAN USAHA BUSINESS CONTINUITY INFORMATION

Sustainable Banking bagi Bank Muamalat Indonesia Sustainable Banking for Bank Muamalat Indonesia is an
merupakan suatu komitmen berkelanjutan untuk bertindak ongoing commitment to act ethically within the framework
etis dalam kerangka tanggung jawab terhadap nasabah, of responsibility to customers, employees, shareholders,
pegawai, pemegang saham, lingkungan, serta memberikan the environment, as well as contributing to the economic
kontribusi kepada pengembangan ekonomi dari komunitas development of the local community or the public at large. The
setempat ataupun masyarakat luas. Adapun pelaksanaan implementation of Bank Muamalat Indonesia’s sustainability
program keberlanjutan Bank Muamalat Indonesia antara program, among others, refers to POJK No. 51/POJK.03/2017
lain mengacu pada POJK No. 51/POJK.03/2017 tentang on the implementation of sustainable finance for financial
penerapan keuangan berkelanjutan bagi lembaga jasa service institutions, issuers, and public companies and Law
keuangan, emiten dan perusahaan publik dan Undang- No. 40 of 2007 on corporate social responsibility, especially
Undang No. 40 Tahun 2007 mengenai tanggung jawab sosial limited liability companies.
perusahaan khususnya yang berbadan hukum perseroan
terbatas.
Sejalan dengan visi jangka menengah Bank Muamalat In line with the medium-term vision of Bank Muamalat
Indonesia yaitu Menjadi Bank Syariah Terbaik dan Termasuk Indonesia, which is to be the Best Sharia Bank and to be
dalam 10 Besar Bank di Indonesia dengan Eksistensi yang in the top 10 Banks in Indonesia with an Existence that is
Diakui Tingkat Regional, Bank senantiasa menetapkan arah Recognized at the Regional Level, the Bank always sets
pertumbuhan bisnis yang koheren dengan misi yang dimiliki a direction for business growth that is coherent with the
Bank, yakni membangun lembaga keuangan syariah yang Bank’s mission, which is to build a superior sharia financial
unggul dan berkesinambungan dengan penekanan pada institution and sustainable development with an emphasis
semangat kewirausahaan berdasarkan prinsip kehati-hatian, on an entrepreneurial spirit based on prudent principles,
keunggulan sumber daya manusia yang Islami, modern excellence in Islamic, modern, and professional human
dan profesional serta orientasi investasi yang inovatif, resources, as well as oriented on innovative investments, to
untuk memaksimalkan nilai kepada seluruh pemangku maximize value to all stakeholders. Based on this vision and
kepentingan. Berlandaskan visi dan misi tersebut, Bank mission, Bank Muamalat Indonesia is aware and committed
Muamalat Indonesia sadar dan berkomitmen untuk to supporting and integrating all company policies and
mendukung dan untuk mengintegrasikan seluruh kebijakan actions in supporting a sustainable financing pattern.
dan aksi perusahaan dalam mendukung pola pembiayaan
yang berkelanjutan.

2021 Annual Report
Fungsi Penunjang Bisnis
Business Support Functions
234 Sumber Daya Manusia

Human Capital
252 Teknologi Informasi
Information Technology
259 Manajemen Risiko
Risk Management
259 Sistem Manajemen Risiko
263 Fokus Manajemen Risiko Tahun 2021
Focus of Risk Management in 2021
264 Penerapan Manajemen Risiko
Risk Management Implementation
268 Kecukupan Kebijakan dan Prosedur Manajemen
Risiko serta Penetapan Limit Risiko
Adequacy of Risk Management Policies and
Procedures and the Establishment of Risk Limits
269 Kecukupan Proses Identifikasi, Pengukuran,
Pemantauan, dan Pengendalian Risiko serta
Sistem Informasi Manajemen Risiko
Adequacy of Risk Identification, Measurement,
Monitoring and Control and the Risk Management
Information System
270 Sistem Pengendalian Internal yang Menyeluruh
Comprehensive Internal Control System
271 Efektivitas Sistem Manajemen Risiko
Effectiveness of the Risk Management System
273 Penerapan Manajemen Risiko Terintegrasi
Implementation of Integrated Risk Management
273 Eksposur Permodalan dan Risiko Pengungkapan
Permodalan
Capital Exposure and Risk Disclosure
275 Pengelolaan Risiko Utama Bank
Management of the Bank’s Major Risks
Sumber Daya Manusia

Human Capital
Biaya pendidikan
dan pelatihan Bank
Selaras dengan strategi Bank untuk In conforming with the Bank’s strategy to Mualamat di tahun
mewujudkan target, rencana tahunan, realize its target, annual, and long-term 2021 adalah Rp34,87
dan jangka panjang perusahaan, Bank plans, Bank Muamalat has designated miliar (termasuk
Muamalat menjadikan aspek Sumber Human Resources (HR) as a key focus area. pemagangan dan
Daya Manusia (SDM) sebagai salah Furthermore, Bank Muamalat continues Management Trainee).
satu fokus utama Bank. Selain itu Bank to carry out continuous improvement
Muamalat juga melakukan perbaikan serta and transformation, through a variety
transformasi secara berkesinambungan of initiatives and innovations, that
melalui berbagai inisiatif dan inovasi emphasizes the development of the HR The cost for education
dengan mengedepankan pengembangan capabilities in various sectors, which will and training
kapabilitas SDM dalam berbagai aspek ultimately provide a positive impact on programs of Bank
sehingga dapat memberikan pengaruh the Bank’s business growth in response to Mualamat in 2021
positif terhadap pertumbuhan usaha increasingly fierce business competition. amounted to Rp34.87
Bank dalam menghadapi persaingan billion (including
bisnis yang semakin ketat. internships and
Management Trainees)

Bank Muamalat memperoleh penghargaan nasional dari

Indonesia Human Capital Awards (IHCA) VII 2021 yang digelar
oleh Economic Review meraih penghargaan sebagai The Best-
Indonesia HC Senior Leader 2021 untuk kategori Public Company
Bank Buku II dan 5th The Best-Indonesia Human Capital 2021
(Very Excellent) untuk kategori Public Company Bank Buku II.
Bank Muamalat received a national award from the Indonesia Human Capital Awards (IHCA) VII
2021 which was held by the Economic Review won an award as The Best-Indonesia HC Senior
Leader 2021 for the category of Public Company Bank Buku II and 5th The Best-Indonesia Human
Capital 2021 (Very Excellent ) for the category of Public Company Bank Book II.
Untuk terus menunjang pertumbuhan bisnis, terutama saat To continuously support business growth, particularly in
menghadapi tantangan pandemi COVID-19, Bank Muamalat facing the challenges of the COVID-19 pandemic, Bank
senantiasa melakukan beberapa upaya strategis agar dapat Muamalat continues to enact strategic efforts to be able
beradaptasi terhadap kebiasaan baru atau ‘New Normal’. to adapt to new habits or the “New Normal”. These efforts
Upaya tersebut di antaranya adalah dengan memberlakukan include implementing comprehensive health protocols,
penerapan protokol kesehatan yang menyeluruh, digitalisasi digitizing processes, increasing online learning and training
proses, metode pembelajaran dan pelatihan secara daring methods, as well as new ways of working (Work from Home/
serta cara bekerja yang baru (Work from Home/Work Work from Office).
from Office).
Bank secara konsisten terus memperhatikan pengelolaan The Bank consistently takes into account the management
dan pengembangan karyawannya dengan berupaya and development of its employees. It strives to improve
meningkatkan produktivitas dan engagement karyawan employee productivity and engagement through more
terhadap perusahaan melalui program-program yang lebih structured programs, optimizing the effectiveness of labor
terstruktur, optimalisasi efektivitas biaya tenaga kerja, costs, increasing to more targeted reward and recognition
peningkatan skema reward dan recognition yang lebih scheme, improving the human capital (HC) infrastructure,
terarah, peningkatan infrastruktur human capital (HC), dan and strengthening corporate cultural values. For its
penguatan nilai-nilai budaya perusahaan. Atas perhatian significant consideration towards HR, the Bank received the
yang tinggi terhadap SDM, pada tahun 2021 Bank meraih Indonesia Human Capital Award – VII – 2021 in 2021 with the
penghargaan Indonesia Human Capital Award – VII – 2021 predicate Platinum – A – Very Excellent in a Public Company
dengan predikat Platinum – A – Very Excellent untuk kategori – Buku 3 Bank category.
Public Company – Bank Buku 3.
DIREKTORAT HUMAN CAPITAL DIRECTORATE OF HUMAN CAPITAL

Pembentukan Direktorat khusus Human Capital merupakan The establishment of an exclusive Directorate of Human
wujud nyata dari komitmen Bank terhadap pengelolaan dan Capital is a manifestation of the Bank’s commitment to
pengembangan karyawan. Dengan dipimpin oleh seorang employee management and development. Led by the Chief
Chief Human Capital Officer, Direktorat Human Capital Human Capital Officer, the Human Capital Directorate
bertanggung jawab dalam pengelolaan dan pengembangan is responsible for the management and development of
karyawan. employees.
Pada tahun 2021, Bank Muamalat Indonesia didukung oleh In 2021, Bank Muamalat Indonesia supported 2,700
2.700 karyawan yang tersebar di kantor pusat dan kantor employees throughout the head office and regional offices.
wilayah. Adapun struktur organisasinya adalah sebagai The following is its organizational structure.
berikut.

2021 Annual Report
CHIEF HUMAN
CAPITAL OFFICER
Head of HC Strategy & Head of People Head of HCBP & Head of HCBP & Talent Executive Director
Services Development & Culture Industrial Relations Acquisition Muamalat Institute
Head of OD & Career Head of Learning HCBP CEO Office HCBP Operation
Management Solutions
Head of Performance Digital Learning & HCBP Wholesale HCBP Support

Management & Bank-wide Academy Banking & Retail Function
Rewards Specialist Banking HO
Head of HC Head of HCBP Retail Head of Talent

Governance & Talent Specialist Banking Business Acquisition
Employee Benefits
Head of HC Head of Leadership,

Digitalization & Employer Branding &
Analytics Culture HCBP Region
Head of HC Head of Employee Head of Industrial

Operations Engagement Relations
Head of Analytics, HC Representative

Delivery & Kuala Lumpur Branch
Administration
Direktorat Human Capital memiliki 5 (lima) unit kerja The Human Capital Directorate has 5 (five) work units and
dan 1 (satu) subsidiary berupa Lembaga Pendidikan dan 1 (one) subsidiary, which is the Educational Institution
Pengembangan Perbankan Syariah (LPPBS), yakni Muamalat and Sharia Banking Development (LPPBS), known as The
Institute. Penjelasan mengenai masing-masing unit kerja Muamalat Institute. The following is the description of
tersebut adalah: each activity:
1. Human Capital Strategy & Services 1. Human Capital Strategy & Services
Berperan dalam menerjemahkan strategi bisnis kedalam This translates the business strategy into Human Capital
prioritas Human Capital. Mencakup pengembangan priorities. It includes organizational development,
organisasi, perencanaan tenaga kerja dan penganggaran workforce planning and budgeting of labor costs,
biaya tenaga kerja, manajemen kinerja, sistem informasi performance management, the HC information system
SDM (database), kerangka kerja remunerasi dan (database), remuneration and compensation framework,
kompensasi, kebijakan SDM lainnya, serta bertanggung and other HC policies, as well as being responsible
jawab untuk memastikan eksekusi transaksi operasional for ensuring that the execution of HC operational
SDM telah sesuai dengan regulasi dan kebijakan yang transactions is in accordance with applicable regulations
berlaku atau sesuai dengan rencana, program dan and policies, or in accordance with the plans, programs,
inisiatif HC dan Bank. and initiatives of HC and the Bank.
2. People Development & Culture 2. People Development & Culture

Berperan menyusun strategi yang efektif dan efisien This involves the formulation of effective and efficient
dalam pengelolaan SDM. Unit ini mengelola seluruh strategies in HC management. This unit manages all
aktivitas dalam pelaksanaan program pembelajaran dan activities in the implementation of talent learning and
pembinaan talenta di BMI untuk menciptakan kualitas development programs at BMI and creates a talent
program pembelajaran dan pembinaan talenta sesuai learning and development program quality in accordance
dengan strategi pengembangan SDM guna mendukung with the HC development strategy that supports the
peningkatan kualitas SDM dalam mendukung strategi Bank’s business strategy. Its other roles are managing
bisnis Bank. Peran lainnya adalah mengelola komunikasi employee communication (Employee Engagement) and
karyawan (Employee Engagement) dan Employer Branding. Employer Branding.

3. Human Capital Business Partner (HCBP) & Industrial 3. Human Capital Business Partner (HCBP) & Industrial
Relations Relations
Berperan dalam memberikan rekomendasi, konsultasi, This unit provides recommendations, consultation, and
solusi-solusi strategis yang implementatif terkait strategic solutions that can be implemented in regard
dengan SDM serta organisasi kepada seluruh pemangku to HC, the wider company, all stakeholders (Board of
kepentingan (Direksi, Pejabat Eksekutif, dan seluruh line Directors, Executive Officers, and all line managers)
manager) di Direktorat Retail Banking, Wholesale Banking in the Retail banking Directorate, the Wholesale
dan CEO Directorate. Unit ini juga membuat penyelarasan Banking Directorate, and the CEO Directorate. This
(customization) produk dan program-program SDM unit also adjusts (customizations) to HC products and
yang sesuai dengan kebutuhan organisasi di seluruh programs in accordance with organizational needs
Direktorat tersebut, agar tercipta ketersediaan organisasi across the Directorates. This ultimately creates a high-
dan SDM yang mumpuni guna mendukung pencapaian quality organization and HC department that supports
dan produktivitas organisasi. Dalam hal Industrial organizational achievement and productivity. In terms
Relations berperan dalam menciptakan hubungan of Industrial Relations, the unit has a role in creating
industrial yang kondusif dan harmonis antara Karyawan, favorable and harmonious industrial relations between
Serikat Pekerja, dan Perusahaan dengan memastikan Employees, the Labor Union, and the Company, by
bahwa proses yang terkait dengan hubungan kerja, ensuring that processes related to employment relations,
syarat kerja, hak dan kewajiban para pihak, penanganan work requirements, rights and obligations of parties,
keluhan karyawan, serta penanganan dan penyelesaian handling of employee complaints, and the handling and
perselisihan hubungan industrial dilakukan dengan cara resolution of industrial relation disputes is carried out
yang tepat dan sejalan dengan peraturan perundangan in a proper manner and in line with applicable laws and
yang berlaku untuk menghindari/meminimalisir risiko regulations so as to avoid or minimize the Company’s
reputasi Perusahaan. reputational risk.
4. Human Capital Business Partner (HCBP) & Talent 4. Human Capital Business Partner (HCBP) & Talent
Acquisition Acquisition
Berperan dalam memberikan rekomendasi, konsultasi This unit provides recommendations, consultation,
dan solusi-solusi strategis yang implementatif terkait and strategic solutions that best implement in the
dengan SDM serta organisasi kepada seluruh pemangku area of people and organization management to all
kepentingan (Direksi, Pejabat Eksekutif, dan seluruh stakeholders (Board of Directors, Executive Officers, and
manajer lini) di Direktorat Operation, Compliance, line managers) in the Directorate of in the Directorates
Risk & Legal, Financing dan Finance. Unit ini juga of Operations, Compliance, Risk & Legal, Financing,
membuat penyelarasan (customization) produk dan and Finance. This unit also adjusts (customizations)
program-program SDM yang sesuai dengan kebutuhan to HC products and programs in accordance with
organisasi di seluruh Direktorat Operation, Compliance, organizational needs across the Directorates of
Risk, & Legal, Financing dan Finance, agar tercipta Operations, Compliance, Risk & Legal, Financing, and
ketersediaan organisasi dan SDM yang mumpuni guna Finance, that produces a high-quality organization and
mendukung pencapaian dan produktivitas organisasi. people that can support organizational achievement and
Unit ini juga bertanggung jawab dalam mengelola dan productivity, This unit also responsible in managing and
mengimplementasikan strategi talent acquisition. implementing the talent acquisition strategy.
5. Muamalat Institute 5. The Muamalat Institute

Lembaga dengan fungsi pelatihan dan pengembangan The Institute’s goal is to offer training and development
yang berperan mewujudkan edukasi dan literasi functions that support the realization of the best Sharia
keuangan syariah terbaik di tanah air. economic and financial education in the country.
REALISASI PENGEMBANGAN SDM 2021 HC DEVELOPMENT REALIZATION IN 2021

Target atau rencana pengembangan SDM pada tahun 2021 The following is the HC development plan for 2021:
adalah sebagai berikut:
1. Memberikan solusi pembelajaran yang tepat dan 1. To provide appropriate and integrated learning solutions
terintegrasi untuk peningkatan produktivitas dan for productivity Increase and performance improvement
peningkatan kinerja di front office, middle office, dan in the front office, middle office, and back office.
back office.
2. Membangun akselerasi, memastikan konversi, dan 2. To boost acceleration, ensure conversions, and manage
mengatur fast track program untuk mendukung fast track programs that support organizational
optimalisasi organisasi. optimization.

2021 Annual Report
3. Meningkatkan kemampuan talenta yang ada dengan 3. To enhance existing Talent Capability with good talent
manajemen talenta yang baik dan kepemimpinan untuk management and leadership that supports the
mendukung kualifikasi tinggi Perusahaan Company’s position.
4. Membuat anggaran yang efektif dan pengendalian risiko 4. To create an effective budget and risk controls that
untuk mendukung efisiensi dan kesadaran risiko Bank di support the Bank’s efficiency and risk awareness in the
era digital. digital age.
5. Membangun transformasi Human Capital untuk 5. To build a Human Capital Transformation that creates
menciptakan sumber daya manusia yang unggul. excellent human resources.
Realisasi Program pelatihan dan pembelajaran di Bank The realization of the training and learning program at Bank
Muamalat Indonesia pada tahun 2021 yang telah berjalan Muamalat Indonesia running in 2021 can be broken down
dibagi beberapa kategori, di antaranya adalah: into several categories, including:
1. Program Learning 1. Learning Program

Kategori Program Learning terbagi menjadi 5 (lima) The Learning Program category is divided into 5 (five)
program utama, yaitu: main programs, namely:
a. Program Core Training a. Core Training Program
Yaitu training yang wajib diikuti oleh seluruh karyawan Training that must be attended by all employees of
Bank Muamalat Indonesia. Bentuk pelatihan ini Bank Muamalat Indonesia. This training consists of
terdiri dari program inti berikut: the following core programs:
i. Induction Program yang berisi Modul Basic. i. Induction Program, which covers Basic Modules.
ii. Sharia Banking dan Product Knowledge. ii. Sharia Banking and Product Knowledge.
iii. Basic Risk Awareness Program yang berisi Financing iii. Basic Risk Awareness Program, which includes a
and Operation Risk Modul, General Compliance, Financing and Operational Risk Module, General
dan Introduction to Audit Process Compliance, and Introduction to Audit Processes.
b. Program Sertifikasi Regulatory dan Internal b. Regulatory and Internal Certification Program
Yaitu program sertifikasi wajib yang harus diikuti This is a mandatory certification program that must
oleh karyawan guna memenuhi peraturan yang be attended by employees in order to comply with
diterbitkan oleh regulator atau internal perusahaan regulations issued by regulators or introduced
dan juga bertujuan untuk meningkatkan kompetensi internally by the company that aims to improve
karyawan dalam bidang dan jabatan tertentu. the competency of employees in certain fields and
Berikut adalah contoh sertifikasi yang dibagi dalam positions. The following are examples of certifications
jenis sertifikasi: that are divided based on the types of certifications:
i. Sertifikasi Regulatory i. Regulatory Certification
• Sertifikasi Manajemen Risiko • Risk Management Certification
• Sertifikasi Treasury • Treasury Certification
• Sertifikasi WPPE • WPPE Certification
• Sertifikasi AASI • AASI Certification
ii. Sertifikasi Internal (Via Digital Learning) ii. Internal Certification (Via Digital Learning)
• Basic Sharia Banking • Basic Sharia Banking
• Intermediate Sharia Banking • Intermediate Sharia Banking
• Basic Risk Awareness • Basic Risk Awareness
• Anti-Fraud Awareness • Anti-Fraud Awareness
• APU-PPT • APU-PPT
• Code of Conduct • Code of Conduct
• Corporate Values • Corporate Values
c. Program Functional/Matrix Training c. Functional/Matrix Training Program
Yaitu program training yang didesain untuk karyawan This is a training program designed for Bank
Bank Muamalat Indonesia berdasarkan fungsi Muamalat Indonesia employees based on their
kerjanya. Bentuk pelatihan ini terbagi dalam 3 (tiga) work functions. This training is divided into 3 (three)
akademi sesuai dengan fungsi pekerjaan, yaitu: Academies, namely:
i. Retail Banking Academy i. Retail Banking Academy
ii. Operation and Support Academy ii. Operation and Support Academy
iii. Wholesale Banking Academy iii. Wholesale Banking Academy

d. Program Departmental Training d. Departmental Training Program

Program pelatihan ini diadakan berdasarkan This program is conducted based on suggestions
usulan atau permintaan dari masing-masing unit or requests from each work unit regarding the
kerja dalam rangka pengembangan kompetensi development of employee competencies. The
karyawan. Pelaksanaannya dapat dilakukan secara training can be performed in-house or by sending
in-house maupun dengan mengirimkan karyawan employees to attend seminars and training outside
untuk mengikuti seminar atau pelatihan di luar Bank. of the Bank.
e. Creative Learning e. Creative Learning

Creative Learning Program merupakan program The Creative Learning Program is separate from the
pembelajaran di luar program formal di atas yang above stated programs. It aims to foster a Learning
bertujuan untuk menumbuhkan Learning Culture Culture for every employee of Bank Muamalat
setiap karyawan Bank Muamalat Indonesia dalam Indonesia in order to strengthen their knowledge,
rangka meningkatkan pengetahuan, keterampilan, skills, and competencies. Some contents of the
dan kompetensinya. Beberapa Program Creative Creative Learning Program are:
Learning mencakup:
i. M@16 i. M@16
M@16 atau Meet@16 adalah program Sharing M@16 or Meet216 is a Sharing Session in each
Session di masing-masing unit kerja sebagai work unit that is a means of sharing information
sarana untuk saling berbagi informasi dan and knowledge among employees. The themes
pengetahuan antar karyawan. Tema yang discussed include, new programs or products,
dibahas antara lain terkait program atau produk procedures and regulations, dissemination and
baru, prosedur dan ketentuan, sosialisasi strengthening of the Bank’s core values, and
dan pemantapan nilai-nilai utama Bank, dan other knowledge that can support and promote
pengetahuan lain yang dapat menunjang serta improved performance within work units.
mendukung peningkatan kinerja di unit kerja.
ii. Bisnis Corner ii. Business Corner
Program Bisnis Corner adalah program seminar The Business Corner Program is a seminar
atau sharing session dari pihak eksternal (praktisi, program or sharing session conducted by
konsultan maupun pakar/ahli) yang terkait external parties (practitioners, consultants, or
dengan pengetahuan bisnis. experts) related to business knowledge.
iii. Management WalkAbout iii. Management Walk About
Management WalkAbout adalah program This is a sharing session program for Directors
kunjungan Direksi ke kantor cabang ataupun and branch offices via in-person or virtual
melalui virtual, sebagai wadah komunikasi dan visits. They are a means of communication and
sharing session Direksi bersama karyawan. Tujuan sharing between the Directors and employees.
dari program ini adalah untuk menciptakan The purpose of this program is to create open
keterbukaan komunikasi serta keterlibatan communication and the involvement of all
seluruh karyawan di cabang dalam menjalankan branch employees in accomplishing the Vision
visi dan misi Bank. and Mission of the Bank.
iv. Corporate Library iv. Corporate Library
Tujuan dari Corporate Library ini adalah sebagai The Corporate Library serves as a center for
pusat pustaka serta informasi referensi bagi information reference for Bank Muamalat
karyawan Bank Muamalat Indonesia. Sampai Indonesia employees. As of the end of 2021, the
akhir 2021, Corporate Library telah memiliki Corporate Library has a collection of more than
koleksi lebih dari 500 buku dan 1.300 Coorporate 500 books and 1,300 Corporate e-books and
e-book serta majalah yang berkaitan dengan magazines related to banking, economics, and
perbankan, ekonomi, serta pengembangan diri. personal development
2. Program Non Class Room Learning 2. Non-Classroom Learning Program

Program ini menggunakan platform berbasis teknologi This program uses a technology-based platform that
yang dapat diakses oleh seluruh karyawan Bank can be accessed by all employees of Bank Muamalat
Muamalat Indonesia. Tahun 2021 Bank Muamalat Indonesia. In 2021, Bank Muamalat Indonesia was
Indonesia berkomitmen untuk terus menumbuhkan committed to continue fostering a learning culture by

2021 Annual Report
learning culture dengan memperkuat program-program strengthening knowledge management programs. The
pengelolaan pengetahuan (knowledge management). programs developed in 2021 are:
Program-program yang dikembangkan pada tahun 2021
adalah:
a. Muamalat Knowledge One (MK One), adalah suatu a. Muamalat Knowledge One (MK One), a medium
media di mana modul-modul pembelajaran bisa di wherein learning modules can be accessed by all
akses oleh seluruh karyawan pada aplikasi Human employees in the Human Capital Information System
Capital Information System (Muamalat Human Power– (Muamalat Human Power/MHP) application.
MHP).
b. M-Channel, yaitu channel TV Muamalat yang terus b. M-Channel, the Muamalat TV channel continuously
menerus menyiarkan modul-modul pembelajaran broadcasts learning modules related to products,
terkait produk, nilai-nilai perusahaan, maupun video- corporate values, and other motivational videos.
video motivasi lainnya.
c. M-Viral, adalah video based learning yang menyajikan c. M-Viral, is video-based learning that presents content
konten-konten yang menjadi fokus Bank Muamalat which is currently a specific focus of Bank Muamalat
Indonesia saat ini. Indonesia.
d. M-Coach, yaitu sebuah sistem yang diperuntukan d. M-Coach, is a system intended for leaders to coach
bagi leaders untuk melakukan coaching terhadap employees under their supervision with a reference
karyawan di bawah supervisinya dengan standar standard determined by the Management.
acuan coaching yang ditentukan oleh manajemen.
Selain program pembelajaran di atas, pada tahun 2021 In addition to the learning programs above, in 2021,
Bank Muamalat Indonesia juga telah meluncurkan Bank Muamalat Indonesia launched the following special
program-program khusus berikut: programs:
a. MODP Future Leader a. MODP Future Leader
Pembentukan pemimpin masa depan dilakukan The creation of future leaders is carried out by
dengan melaksanakan program Muamalat Officer implementing the Future Leader Muamalat Officer
Development Program (MODP) Future Leader. Program Development Program (MODP). The MODP program
MODP ini mengutamakan para fresh graduates yang prioritizes high-quality, fresh graduates along with
berkualitas tinggi dan beberapa karyawan internal selected internal employees. All participants are
terpilih. Seluruh peserta didik kemudian ditatar then trained and closely monitored by the coaches
dalam sebuah program yang terus diawasi secara in the appointed work unit with guidance by mentors
ketat oleh para coach di unit kerja yang ditunjuk dan consisting of senior management who have been
dibimbing oleh para mentor yang terdiri dari para selected and assigned to carry out the task of
senior management yang terpilih dan ditunjuk untuk developing these junior talents.
melaksanakan tugas pengembangan talenta-talenta
junior tersebut.
b. MAP Digital Banking b. MAP Digital Banking
Program yang dibuat dalam rangka digitalisasi Here is a program that was created in the context
perbankan saat ini di mana Bank Muamalat sebagai of the current banking digitalization, where Bank
perbankan Syariah Pertama di Indonesia harus dapat Muamalat, as the First Sharia banking in Indonesia,
menjadi pelopor teknologi terdepan dan diharapkan must be able to pioneer leading technology.
program MAP Digital Banking dapat menjadi jalur Additionally, the MAP Digital Banking program
pemenuhan “Raw Talent” yang dibutuhkan yang is expected to be the pathway for “Raw Talent”
juga bagian dari konsep talent Management Bank fulfilment requirements, which is also part of the
Muamalat. talent management concept of Bank Muamalat
c. Relationship Manager Acceleration (RM Acceleration) c. Relationship Manager Acceleration (RM Acceleration)
Program untuk para karyawan pemasaran di tingkat A program for marketing employees at entry level,
pemula, yang dilaksanakan untuk menghasilkan implemented to create quality Relationship Managers
Relationship Manager berkualitas pada segmen ritel. in the Retail segment. The program, which lasts for 6
Program yang berlangsung selama 6 (enam) bulan (six) months, contains debriefing and training of soft
ini berisi pembekalan dan pelatihan soft skills dan skills and hard skills related to shariah contracts and
hard skills terkait akad dan produk syariah. products.

d. Muamalat Indonesia Apprentice (MULIA) d. Muamalat Indonesia Apprentice (MULIA)

Program pendidikan yang ditujukan bagi lulusan SMA These are educational programs intended for high
dan sederajat untuk ditempatkan sebagai frontliner school graduates and their equivalent who are to be
(Teller dan Customer Service) di Bank Muamalat placed as frontliners (Tellers and Customer Service)
Indonesia seluruh Indonesia. Melalui program ini, at Bank Muamalat Indonesia throughout Indonesia.
peserta program yang memiliki kinerja baik dan Through this program, participants perform well and
telah mencapai masa program yang ditentukan reach the specified level will receive scholarships to
akan mendapatkan beasiswa untuk melanjutkan continue their education.
pendidikannya.
e. Individual Learning Development Program (ILDP) e. Individual Learning Development Program (ILDP)
Dalam rangka mendukung Key Strategic Initiatives In order to support Key Strategic Initiatives in 2021
tahun 2021 dan sama-sama menuju Bank Muamalat and increase performance for Bank Muamalat
Indonesia yang lebih baik, Bank mempersiapkan Indonesia, the Bank has prepared training that
pelatihan-pelatihan yang dapat diikuti oleh seluruh can be attended by all Bank human resources to
sumber daya insani guna menunjang aktivitas support work activities and to improve Leadership,
pekerjaan maupun untuk meningkatkan kemampuan Communication, Productivity and Business Ethics
sisi Leadership, Communication, Productivity, dan skills.
Business Ethics.
f. Retail Collection Training f. Retail Collection Training
Diadakannya training ini bertujuan untuk The objective of this training is to improve the
meningkatkan kapabilitas dan kompetensi bagi capability and competency of the Collection Team
para Tim Collection, dan juga agar tercapainya and achieve the standardization of basic knowledge
standardisasi basic knowledge dari Tim Collection in the Collection Team, subsequently accelerating
sehingga bisa dilakukan percepatan penyelesaian the completion of the Bad Bank retail segment.
Bad Bank segmen ritel.
g. Trilogy Financing Training g. Trilogy Financing Training
Program training yang didesain untuk A training program designed to standardize
menstandardisasi pemahaman terhadap proses understanding of the financing process, this program
pembiayaan. Program ini diberikan kepada tim is provided for the Sales (RM Retail Financing) team
Sales (RM Retail Financing) dengan tema Financing in the areas of Financing Risk Analyst, Financing
Risk Analyst, Financing Operation Process, dan Account Operation Process, and Account Maintenance
Maintenance Collection. Collection.
Jumlah keseluruhan pendidikan dan pelatihan yang telah The total amount of education and training that has been
diberikan Bank dapat dilihat pada tabel di bawah ini. provided by the Bank can be viewed in the following
table.
2021 2020
Rata-rata Jam Pelatihan per Tahun per 72,4 69,5 Average Training Hours per Year per
Karyawan Employee
MANAJEMEN HUMAN CAPITAL HUMAN CAPITAL MANAGEMENT

Selaras dengan penerapan Nilai-Nilai Utama Bank Muamalat In conforming to Bank Muamalat Indonesia’s Core Values,
Indonesia, yaitu Islami–Modern–Profesional (IDEAL), Bank namely Islamic–Modern–Professional (IDEAL), the Bank has
mengimplementasikan kerangka pengembangan karyawan implemented a comprehensive employee development
secara komprehensif yang dimulai sejak dari rekrutmen framework, from employee recruitment, employee
karyawan, pengembangan karyawan, pengelolaan kinerja development, employee performance management, to
karyawan hingga persiapan pensiun. retirement preparation.
Bank Muamalat berkeyakinan bahwa karyawan adalah Bank Muamalat believes that employees are not only strategic
mitra strategis, mereka adalah bagian terpenting dalam partners, they are the most crucial part of the company.
perusahaan. Hal tersebut berdasar pada pemahaman This is based on the understanding that employees are the
bahwa karyawan merupakan unsur penggerak terpenting driving element of all business operations carried out by the
dari seluruh operasional bisnis yang dilaksanakan oleh Bank. Bank. With the hard work and dedication of employees, the

2021 Annual Report
Atas kerja keras dan dedikasi seluruh karyawan, Bank telah Bank has achieved a number of goals, as well as encouraged
mencapai beragam pencapaian dan pertumbuhan kinerja performance growth.
yang memuaskan.
REKRUTMEN RECRUITMENT
Seiring kian berkembangnya bisnis Bank, layanan yang In line with the Bank’s business growth, the services
diberikan BMI terus meningkat. Karena itu, Bank melakukan provided by BMI continue to increase. To that end, the Bank
proses rekrutmen karyawan baru, yang merupakan salah has been conducting new employee recruitment processes
satu proses penting dalam mengidentifikasi, mencari, dan that identify and attract prospective employees to meet the
menarik calon karyawan untuk memenuhi kebutuhan needs of the organization.
organisasi.
Ringkasan Rekrutmen SDM Tahun 2021 HR Recruitment Highlights in 2021

Level Pekerjaan| Job Level FTE % Gender FTE %
DPS | SSB 1 0,7 Laki-laki|Male 74 50,7
Head of L1 1 0,7 Perempuan|Female 72 49,3
Head of Subsidiaries 1 0,7 Total 146 100,0
Head of L2 9 6,2 Jabatan| Role FTE %
L2 Specialist 1 0,7 Senior Management 2 1,4
Head of L3 3 2,1 Junior Management/Professional 74 50,7
Region Head 1 0,7 Middle Management/Professional 22 15,1
Region Commercial Head 1 0,7 Non-Grade 1 0,7
Branch Manager 3 2,1 Staff 47 32,2
Branch Operation Service Manager 1 0,7 Total 146 100,0
Sub Branch Manager 3 2,1
Sub Branch Operation Service Supervisor 1 0,7
Team Leader 5 3,4
Other Officer 69 47,3
Clerical 46 31,5
Total 146 100,0
PENILAIAN KINERJA PERFORMANCE ASSESSMENT

Penilaian kinerja karyawan dilakukan melalui penerapan Employee performance assessment uses the Performance
Performance Management System (PMS) yang telah Management System (PMS) that has proved beneficial in
berlangsung pada tahun-tahun sebelumnya. Penilaian previous years. Assessments are conducted based on the
tersebut dilaksanakan berdasarkan Most Important Goals Most Important Goals (MIG), which are determined at the
(MIG) yang telah ditentukan di awal tahun, selanjutnya beginning of the year, before being reviewed in the middle
dilakukan review pada pertengahan dan akhir tahun of the year and at the end of the year through the Human
melalui Human Capital Information System (Muamalat Capital Information System (Muamalat Human Power/
Human Power/MHP). Selain itu, penilaian kinerja karyawan MHP). Additionally, employee performance assessment is
juga dilaksanakan secara berjenjang, mulai dari penilaian completed in stages, from self-assessment by the employee
mandiri (self-assessment) oleh karyawan dan evaluasi atasan and evaluation by a direct supervisor, which is then reviewed
langsung, kemudian dikaji dan evaluasi oleh pimpinan unit and evaluated by a senior work unit leader. This system
kerja yang lebih tinggi. Sistem ini dibentuk dengan tujuan was established to ensure that employee performance
untuk memastikan kinerja karyawan selaras dengan kinerja is in line with the Bank’s performance, to encourage,
Bank, mendorong, memotivasi, dan mengarahkan karyawan motivate, and direct employees to continue to improve their
untuk selalu meningkatkan kinerjanya, serta mewujudkan performance, as well as create a clear relationship between
hubungan yang jelas antara pencapaian rencana karyawan the achievement of employee plans with employee career
dengan pengembangan karier karyawan. development.
BMI juga menerapkan Shared MIG, sehingga masing-masing BMI also applies Shared MIG to ensure that each work unit
unit kerja saling mendukung pencapaian satu sama lain. supports each other’s achievements. This mechanism aims
Mekanisme ini bertujuan memperkuat alignment antar unit to strengthen the alignment between work units, create
kerja, sehingga tercipta iklim saling mendukung pencapaian a mutually supportive climate, and ultimately achieve
dan pada akhirnya mencapai target Bank. Shared MIG sendiri the Bank’s targets. Shared MIG itself consists of several

terdiri dari beberapa komponen yang saling mendukung supportive components to achieve the bank, directorate,
dari pencapaian bank, direktorat, unit kerja, counterpart, dan work unit, counterpart, and individual goals.
individual goals.
Untuk memperkuat monitoring dan coaching culture dalam To strengthen the monitoring and coaching culture in
mendukung performa individual yang baik, Bank juga telah supporting good individual performance, the Bank has also
mengembangkan mekanisme coaching. Realisasi kegiatan developed system-supported coaching mechanisms through
tersebut didukung oleh sistem melalui aplikasi M-Coach, the M-Coach, M-Direct and i-SAM applications
M-Direct, dan i-SAM.
PENGEMBANGAN KARIER CAREER DEVELOPMENT

Manajemen pengembangan karier Bank Muamalat bertujuan Bank Muamalat’s career development management aims
umtuk memastikan ketersediaan karyawan dengan to ensure the availability of employees with the appropriate
kualifikasi dan pengalaman yang tepat, meningkatkan qualifications and experience, increase employee job
kepuasan kerja karyawan, serta membantu karyawan dalam satisfaction, and assist employees in understanding career
memahami peluang karier dan menentukan jalur karier opportunities to be able to determine their chosen career
yang dipilih. path.
Pengembangan karier ini secara konsisten membantu This career development consistently assists employees
karyawan dalam memahami potensi dan keahliannya, in understanding their potential and expertise, ultimately
sehingga akan membantu pencapaian tujuan individu dan accomplishing individual and Bank goals as a reciprocal
Bank sebagai hubungan timbal balik yang bermanfaat bagi relationship that is beneficial to employee welfare and
kesejahteraan karyawan dan tujuan perusahaan. Selain itu, the Company. In addition, the implementation of proper
terlaksananya manajemen pengembangan karier yang baik career development management has the ability to reduce
dapat menurunkan tingkat turnover, dan menurunkan biaya the employee turnover rate, and consequently reduce the
tenaga kerja, khususnya anggaran untuk mengembangkan employment cost, particularly the budget to develop new
karyawan baru. employees.
BMI juga menerbitkan dan menerapkan kebijakan mutasi, BMI publishes and implements transfer, promotion, and
promosi, dan demosi. Hal ini dilakukan agar seluruh demotion policies. This is done to provide all employees with
karyawan mendapatkan informasi yang jelas dan transparan clear and transparent information regarding the mechanisms
mengenai mekanismenya secara terperinci. Pengajuan in detail. Transfers can be submitted by employees by
mutasi dapat diajukan oleh karyawan dengan mengakses accessing the e-movement menu on the Company’s HC
menu e-movement di sistem HC perusahaan, Muamalat system, Muamalat Human Power (MHP), which means
Human Power (MHP). Dengan demikian, pengajuan mutasi transfer applications can be processed more efficiently
dapat diproses dengan lebih efisien dan efektif karena and effectively due to being digitally based. Meanwhile, the
berbasis digital. Adapun proses promosi dan demosi process of employee promotion and demotion is carried out
karyawan dilakukan melalui pengajuan dari pimpinan unit through submissions from the head of the relevant work
kerja terkait untuk selanjutnya dilakukan evaluasi dan/ unit for further evaluation and/or assessment, taking into
atau asesmen dengan mempertimbangkan kinerja dan account the performance and competence of employees.
kompetensi karyawan.
SERIKAT PEKERJA DAN HUBUNGAN WORKERS UNION AND INDUSTRIAL

INDUSTRIAL RELATIONS
Bank Muamalat senantiasa menjunjung kebebasan Bank Muamalat upholds the freedom of its employees to
karyawan untuk berkumpul, berserikat, dan mengemukakan assemble, associate, and express their opinions. Employees
pendapatnya. Pekerja dapat secara mudah mendaftarkan can easily register and join a worker’s union. The union of
diri dan bergabung dalam keanggotaan Serikat Pekerja. Bank Muamalat is called Syarikat Pejuang Bank Muamalat
Serikat pekerja Bank Muamalat bernama Syarikat Pejuang (SP Muamalat) and has been registered at the South Jakarta
Muamalat (SP Muamalat), yang telah tercatat pada Suku Municipal Manpower Office No. 804/SP/JS/II/2018 dated
Dinas Tenaga Kerja Kotamadya Jakarta Selatan dengan bukti February 28, 2018. The establishment of the union works
pencatatan No. 804/SP/JS/II/2018 tanggal 28 Februari 2018. as the Bank’s strategic partner in creating high-quality
Keberadaan Serikat Pekerja tersebut adalah sebagai partner and harmonious industrial relations. The union offers a
strategis Bank dalam menciptakan hubungan industrial communication channel to maintain and observe the rights
yang berkualitas dan harmonis. Serikat Pekerja dapat of Bank employees, as well as creating a harmonious,

2021 Annual Report
menjadi saluran komunikasi terbaik untuk menjaga dan balanced, and fair working relationship within the Bank.
memperhatikan hak-hak karyawan Bank serta menciptakan This will ultimately increase productivity and engagement,
hubungan kerja yang harmonis, selaras dan berkeadilan di and the Bank always provides the best support for every
lingkungan Bank, sehingga nantinya dapat meningkatkan union activity.
produktivitas dan engagement. Bank selalu memberikan
dukungan baik atas setiap kegiatan-kegiatan Serikat Pekerja.
Terkait pelaksanaan hubungan industrial, Bank mendasarkan Regarding the implementation of industrial relations, the
pada prinsip kesetaraan, kewajaran, rasa keadilan serta Bank bases its conduct on the principles of equality, fairness,
nilai-nilai kemanusiaan. Prinsip-prinsip tersebut diwujudkan sense of justice, and general human values. These principles
dalam suatu Perjanjian Kerja Bersama (PKB) atau yang are manifested in a Collective Labor Agreement (CLA), known
disebut sebagai Ittifaq Muamalat yang disepakati bersama as Ittifaq Muamalat, which has been mutually agreed upon
antara manajemen dan pihak karyawan yang diwakili oleh by the Management and the employees are represented by
Serikat Pejuang Muamalat (Serikat Pekerja). the Serikat Pejuang Muamalat (worker’s union).
Dalam kaitannya dengan kasus-kasus terkait dengan In relation to cases of employment, settlements are
ketenagakerjaan, penanganan kasusnya dilakukan melalui conducted through a process that complies with statutory
proses yang sesuai dengan ketentuan perundang-undangan provisions by prioritizing bipartite/internal settlements
dengan mengutamakan penyelesaian secara bipartit/ without involving third parties. In 2021, there was a lawsuit
internal perusahaan tanpa melibatkan pihak ketiga. Pada against BMI which is currently in the handling and settlement
tahun 2021, terdapat gugatan kepada BMI yang hingga saat process. Taking lessons from this lawsuit, BMI continuously
ini sedang dalam proses penanganan dan penyelesaian. reviews the implementation of outsourcing to ensure that it
Mengambil pelajaran dari munculnya gugatan ini, BMI is always in line with applicable laws and regulations.
senantiasa melakukan peninjauan kembali terhadap
penerapan Alih Daya agar senantiasa sejalan dengan
peraturan perundangan yang berlaku.
KETERLIBATAN KARYAWAN EMPLOYEE ENGAGEMENT

Program Employee Engagement adalah sarana Bank The Employee Engagement Program allows Bank Muamalat
Muamalat untuk melibatkan peran aktif karyawan dalam to involve its employees in an active role by participating
mengikuti beragam kegiatan yang bertujuan meningkatkan in various activities aimed at increasing productivity,
produktivitas, kedisiplinan, loyalitas karyawan, profitabilitas discipline, employee loyalty, and company profitability, while
perusahaan, serta meningkatkan kepuasan dan loyalitas simultaneously increasing customer satisfaction and loyalty.
konsumen. Program secara berkelanjutan terus dilakukan The program continues to be delivered in a sustainable
dengan memanfaatkan teknologi digital, sehingga manner by utilizing digital technology to ensure that
keterlibatan karyawan menjadi sangat luas di seluruh kantor employee involvement becomes as broad as possible in all
perwakilan Bank. representative offices of the Bank.
Program keterlibatan karyawan untuk mendukung tujuan The Employee Engagement Program supports the main
utama dari Employee Engagement kemudian dibagi menjadi objectives of employee engagement which are then
beberapa bagian, yaitu Spiritual Engagement, Emotional divided into several sections, namely Spiritual Engagement,
Engagement, dan Rational Engagement, yang dijelaskan dalam Emotional Engagement, and Rational Engagement, which are
tabel di bawah ini. described in the following table.
Program Penjelasan Description

Spiritual Keikutsertaan atau keterlibatan karyawan secara spiritual. Spiritual Engagement involves the spiritual participation
Engagement Program spiritual engagement, antara lain melalui kajian of employees. The Spiritual Engagement Program
masjid Al-Muamalah dan pengajian Al-Wiqoyah yang includes the Al-Muamalah Mosque Study and the Al-
dilaksanakan secara berkala. Kegiatan ini melibatkan seluruh Wiqoyah Study, which are carried out on a regular basis.
karyawan, keluarga karyawan, nasabah, alumni, dan anak This virtual activity includes employees, families of
perusahaan Bank melalui virtual. Masyarakat umum juga employees, customers, alumni, and subsidiaries of the
dapat menyaksikan video kajian tersebut melalui channel Bank. The public can also watch the study video through
Youtube Bank: Kajian Muamalat. Channel Youtube kajian the Bank’s YouTube channel: Kajian Muamalat. The
Muamalat juga berisi video My Hijrah My Adventure (MHMA) Kajian Muamalat YouTube channel also contains the
yang merupakan perjalanan hijrah nasabah atau seseorang My Hijrah My Adventure (MHMA) video, which follows
yang dapat memberikan inspirasi untuk berhijrah bagi a migration journey of a customer or someone who can
masyarakat yang melihat tayangan video tersebut. Aktivitas inspire people to emigrate. Another spiritual activity is
spiritual lain adalah tahajud on call yang dilaksanakan secara Tahajud on Call which is held regularly for all employees
berkala untuk seluruh karyawan dan keluarga karyawan. and their families.

Program Penjelasan Description

Emotional Bertujuan menumbuhkan antusiasme untuk bekerja This program aims to strengthen work and organizational
Engagement dan antusiasme terhadap organisasi. Kegiatan emotional enthusiasm. Emotional Engagement activities include
engagement antara lain CERIA (Cerita Apa Aja) yang CERIA (Cerita Apa Aja), which is an Employee Assistance
merupakan Employee Assistancy Program (EAP), memberikan Program (EAP), giving employees who have problems
kesempatan kepada karyawan yang mempunyai masalah the opportunity to consult a psychologist, with the
untuk berkonsultasi dengan psikolog, harapannya agar hope that problems can be resolved and not affect their
masalahnya dapat teratasi dan tidak mempengaruhi performance. Additionally, there is a Financial Planning
kinerjanya. Di samping itu, terdapat program financial program that includes training to understand how to
planning yang merupakan pelatihan perencanaan keuangan manage an employee’s financial cash flow. Another
agar dapat memahami dan mengerti dalam mengatur arus activity is “CEO Greet” a non-monetary program offered
kas keuangan karyawan. Kegiatan lainnya adalah “CEO to employees for the optimum contribution given to the
Menyapa” yang merupakan non-monetary program yang Bank
diberikan kepada karyawan atas kontribusi optimal yang
diberikan bagi Bank.
Rational Ditujukan agar karyawan memahami dengan baik peran The aim here is to ensure that employees fully
Engagement dan tanggung jawab mereka. Kegiatan rational engagement understand their roles and responsibilities. Rational
merupakan kegiatan yang dilaksanakan oleh Muamalat Engagement activities are carried out by the Muamalat
Club baik yang berada di kantor pusat maupun di seluruh Club, both at the head office and all BMI branches.
cabang Bank Muamalat. Kegiatan Muamalat Club antara Muamalat Club activities include the Muamalat Virtual
lain Muamalat Virtual Ride (MVR) dan Virtual Charity Concert Ride (MVR) and the Virtual Charity Concert of Harmoni
Harmoni Muamalat, yang bertujuan mengumpulkan donasi Muamalat. Both activities aim to collect donations to
untuk disalurkan kepada yang membutuhkan. Kegiatan be distributed to those in need. Other activities are the
lainnya adalah basketball virtual coaching clinic. Program Basketball Virtual Coaching Clinic, aimed at improving
tersebut bertujuan untuk meningkatkan kebugaran employee fitness in the New Normal
karyawan di masa new normal.
Bank melakukan rational engagement kepada para alumni The Bank carries out Rational Engagements for alumni
dan keluarga karyawan dengan menciptakan M-Shop and employee families via the M-Shop Muamalahplace
Muamalahplace untuk mendukung UMKM, khususnya bagi to support MSMEs, especially for employee alumni
alumni karyawan dan keluarga karyawan agar meningkatkan and families to improve their businesses. Offering this
bisnis mereka. Dengan memberikan dukungan ini, selain support, besides building friendship, allows the Bank
dapat menjaga silaturahmi, Bank juga akan memperoleh to grow and receive positive branding from alumni and
pertumbuhan rasa dan positif branding dari para alumni employee families
dan keluarga karyawan.
Keterlibatan seluruh karyawan dan jajaran Direksi The involvement of employees and the Board of Directors
dalam semua program Employee Engagement menjadi in all employee engagement programs is crucial. Therefore,
hal yang sangat penting. Karena itulah, setiap kegiatan every activity is communicated to employees via all
dikomunikasikan kepada karyawan melalui semua kanal communication channels to increase employee participation.
komunikasi. Upaya tersebut dilakukan untuk meningkatkan
partisipasi karyawan.
PROGRAM PENSIUN PENSION PROGRAM

Mulai tahun 2017 Bank Muamalat Indonesia Since 2017, Bank Muamalat Indonesia has organized the
menyelenggarakan Program “Masa Persiapan Purna Karya” “Pre-Retirement Preparation Period” Program. This program
(MPPK) suatu program yang ditawarkan Perusahaan kepada is offered to employees entering retirement age and
karyawan yang akan memasuki usia pensiun untuk tidak exempts them from their obligations as employees for a
menjalankan kewajibannya sebagai karyawan selama certain period of time in order to mentally prepare for the
jangka waktu tertentu guna mempersiapkan mental dalam changes that will occur when they retire, as well as to provide
menghadapi perubahan yang akan terjadi pada saat motivation to remain enthusiastic and optimistic.
karyawan pensiun serta memberikan motivasi untuk tetap
semangat dan optimis
Program ini bertujuan: Objectives of this program:

1. Membantu Karyawan mempersiapkan mentalnya 1. Assist employees to mentally prepare for the changes
dalam menghadapi perubahan yang akan terjadi pada that will occur when they retire, as well as to provide
saat karyawan pensiun serta memberikan motivasi motivation to remain optimistic, to have a positive image
untuk tetap optimis, memiliki paradigma positif sebagai of a retiree, and be able to manage their time to live with
pensiunan dan dapat mengelola waktu yang tersedia enthusiasm.
untuk tetap hidup dengan penuh motivasi dan semangat.
2. Mengapresiasi karyawan yang telah berkontribusi kepada 2. Appreciate employees for their contribution to the
Perusahaan dan salah satu wujud bentuk apresiasi dan Company, and a form of appreciation and concern
kepedulian Perusahaan terhadap karyawan yang akan towards Employees entering retirement.
memasuki usia pensiun.

2021 Annual Report
Karyawan yang memanfaatkan Program MPPK tidak Employees taking the Pre-Retirement Preparation Period
diwajibkan berada di lingkungan kerja, namun tetap Program are not required to be in the work environment but
mendapatkan upah dan benefit sebagai karyawan. Program will still receive the wages and benefits of an employee. This
MPPK berjalan selama minimal 3 (tiga) bulan dan maksimal program takes place for a minimum of 3 (three) months and
6 (enam) bulan sebelum usia pensiun. Karyawan yang a maximum of 6 (six) months before retirement. Employees
menjalani Program MPPK juga akan diberikan pelatihan dan taking part in this program will also receive training and
dibekali ilmu terkait perencanaan dan aktivitas bermanfaat knowledge related to the planning and useful activities that
yang dapat dijalankan pada masa pensiun. can be carried out during retirement.
Selain itu, BMI memberikan apresiasi dalam bentuk lain, Additionally, BMI shows its appreciation in other forms,
yaitu logam mulia bagi Karyawan yang pensiun di Bank namely gold for employees retiring at Bank Muamalat
Muamalat Indonesia dengan masa kerja di atas 20 tahun Indonesia with a service period of more than 20 years
melalui Program Long Service Award (LSA). Selama tahun through the Long Service Award (LSA) Program. In 2021, 15
2021, terdapat 15 Karyawan yang memasuki masa pensiun. employees entered the retirement period.
PEMBENTUKAN LINGKUNGAN KERJA ESTABLISHMENT OF A CONDUCIVE WORK

YANG KONDUSIF ENVIRONMENT
Menyadari pentingnya untuk membentuk karakter dan Recognizing the importance of shaping the character and
perilaku pekerja serta menciptakan lingkungan kerja yang behavior of employees, as well as creating a favorable and
kondusif dan dinamis serta dalam rangka mendukung dynamic work environment, and in order to support the
strategi bisnis Perusahaan, Bank Muamalat berkomitmen Company’s business strategy, Bank Muamalat is committed
untuk terus memperbaiki lingkungan kerja yang kondusif to continuously improving its work environment. It is
sehingga dapat memotivasi karyawan agar mampu expected that this will ultimately motivate employees to
meningkatkan produktivitas dan berkontribusi positif increase productivity and contribute positively to the Bank.
bagi Bank. Program Employee Engagement dibuat secara The Employee Engagement Program is constructed in an
terpadu, unik, fleksibel untuk menciptakan 3-S (Say Stay integrated, unique, and flexible manner to create the 3-S
Strive) di Bank Muamalat. Program ini dirancang agar semua (Say Stay Strive). This program is designed to ensure that
karyawan mampu mengubah lingkungan kerja dari suasana all employees will be able to change the work environment
transactional engagement menjadi suasana transformational from a transactional engagement atmosphere to a
engagement. transformational engagement atmosphere.
Bank juga terus berupaya menciptakan komunikasi The Bank also continues to strive to create effective
yang efektif dengan karyawan. Terlebih di era digital dan communication with employees. Especially in the digital age
kaitannya dalam menghadapi tantangan pandemi COVID-19, and in relation to addressing the challenges of the COVID-19
komunikasi dengan karyawan dapat dilakukan dengan lebih pandemic, communication with employees can be expedited
mudah dan cepat secara daring. easily and quickly online.
Dalam rangka rangka menciptakan lingkungan kerja yang In order to create a favorable work environment that
kondusif untuk meningkatkan produktivitas, Bank Mumalat increases productivity, Bank Muamalat utilizes the use of its
memanfaatkan penggunaan media atau sarana komunikasi media or communication facilities in the following ways:
yang dimiliki oleh Bank dengan detail sebagai berikut:
1. WhatsApp Group yang memungkinkan karyawan untuk 1. WhatsApp Group allows employees to obtain information
mendapatkan informasi, instruksi, berita secara cepat and news quickly and completely.
dan lengkap.
2. E-mail Blast yang mengirimkan informasi-informasi 2. E-mail Blast sends the latest information to all employees
terkini kepada seluruh karyawan melalui fasilitas e-mail via the office email facility.
kantor.
3. Muamalat Human Power (MHP) untuk mengakses 3. Muamalat Human Power (MHP) accesses important
pengumuman-pengumuman penting dan peraturan- announcements and the latest regulations and is also
peraturan terbaru, yang juga tersedia dalam versi mobile. available in the mobile version.
4. M Channel pada televisi di setiap ruang breakout 4. M Channel on television in each breakout room of
Muamalat Tower, yang memungkinkan karyawan Muamalat Tower allows employees to obtain information
mendapatkan informasi terkait program, produk dan related to the latest programs, products and knowledge
pengetahuan-pengetahuan terbaru yang berkaitan related to employee development.
dengan pengembangan karyawan.

5. Buletin digital yang menampilkan berita-berita dari unit- 5. Digital bulletins featuring news from certain units are
unit tertentu juga diterbitkan secara reguler, seperti also published regularly, such as “HC News”, “Operation
misalnya HC news, Operation Splash, dan Fraud Awareness. Splash”, and “Anti-Fraud Awareness”.
6. CEO Message adalah informasi yang disampaikan dalam 6. CEO Messages are information conveyed on special
kesempatan-kesempatan khusus yang memerlukan occasions that require a direct explanation from the
penjelasan langsung dari CEO. CEO.
7. Untuk informasi-informasi terkait strategi Bank yang 7. More formal information related to the Bank’s strategy
lebih formal, dilakukan melalui acara sharing session is disseminated through sharing sessions between
antara manajemen dan karyawan di seluruh unit kerja the management and employees in all work units.
dan dikemas dalam bentuk town hall meeting dan BOD The information is presented in the form of town hall
roadshow yang diikuti oleh karyawan di unit kerja yang meetings and BOD roadshows attended by employees.
dikunjungi.
PROGRAM PENGEMBANGAN COMPETENCY DEVELOPMENT PROGRAM

KOMPETENSI
Bank Muamalat meyakini bahwa untuk memiliki keunggulan Bank Muamalat believes that to have a competitive
yang kompetitif, SDM harus memiliki keahlian dan kompetensi advantage, HR must have the skills and competencies
yang dibutuhkan oleh Bank, baik dalam rangka mendukung required by the Bank, in the context of supporting the current
strategi dan sasaran bisnis saat ini maupun masa yang akan and future business strategies and targets. To that end,
mendatang. Untuk itu, Bank mengembangkan kompetensi the Bank develops the required HR competencies through
SDM yang dibutuhkan melalui pendekatan terintegrasi an integrated approach that is designed by taking into
yang dirancang dengan memperhatikan kebutuhan individu account the individual needs of employees, the organization,
karyawan, organisasi, perencanaan suksesi karyawan, employee succession planning, and business goals in both
dan sasaran bisnis dalam jangka pendek maupun jangka the short-term and long-term.
panjang.
Pengembangan karyawan berbasis kompetensi ini ditujukan Competency-based employee development aims to support
untuk mendukung karyawan menjalankan pekerjaannya employees in performing their jobs in an optimal manner,
secara optimal yang pada akhirnya dapat membantu Bank and which will ultimately assist the Bank in realizing its
dalam mewujudkan tujuannya. Bank Muamalat senantiasa objectives. Bank Muamalat is committed to providing
berkomitmen untuk memberikan kesempatan yang sama equal opportunities to every employee to advance and
kepada setiap karyawan untuk maju dan berkembang sesuai develop according to their potential, expertise, and available
dengan potensi, keahlian, dan kesempatan yang tersedia opportunities. The Bank always observes gender equality
sesuai dengan kebutuhan. Bank selalu memperhatikan and equal opportunity for all position levels of the Bank’s
kesetaraan gender dan persamaan kesempatan bagi seluruh employees, including for all newly recruited employees.
jenjang jabatan karyawan Bank, termasuk bagi karyawan
yang baru direkrut baik staf maupun officer.
Bank menerjemahkan berbagai tantangan yang dihadapi The Bank translates the various challenges faced by the
dan yang dibutuhkan industri perbankan ke dalam banking industry into HR competency development program
materi program pengembangan kompetensi SDM yang materials using learning channels with internal and external
menggunakan kanal pembelajaran dengan pihak internal parties to encourage the achievement of optimal learning
dan eksternal untuk mendorong pencapaian tujuan proses process goals. In responding to the challenges of the
pembelajaran yang optimal. Kaitannya dalam menghadapi COVID-19 pandemic, the Bank has prepared an adequate
tantangan pandemi COVID-19, Bank telah menyiapkan infrastructure and programs to adapt to new habits or the
infrastruktur dan program yang memadai untuk beradaptasi “New Normal”, by optimizing the utilization of digital platform
terhadap kebiasaan baru atau ‘New Normal’ yaitu dengan communication facilities that can be accessed anywhere and
mengoptimalkan penggunaan sarana komunikasi digital anytime, resulting in a more efficient and effective learning
platform yang dapat diakses di mana saja dan kapan saja process.
sehingga proses pembelajaran menjadi efektif dan efisien.
INVESTASI PENGEMBANGAN SDM HC DEVELOPMENT INVESTMENT

BMI mengalokasikan investasi pengembangan SDM sebesar BMI has allocated an HC development investment of 5% of the
5% dari total Biaya Tenaga Kerja (BTK), sesuai dengan total Staff Cost (BTK), in accordance with the Financial Services
peraturan Otoritas Jasa Keuangan (OJK). Anggaran tersebut Authority (FSA) regulation. The budget is channeled into

2021 Annual Report
disalurkan untuk program pelatihan dan pengembangan. training and development programs. The cost for education
Biaya pendidikan dan pelatihan tahun 2021 adalah Rp34,87 and training programs in 2021 amounted to Rp34.87 billion
miliar (termasuk pemagangan dan Management Trainee). (including internships and Management Trainees).
Fokus pembelajaran selama tahun 2021 diarahkan kepada The focus of learning in 2021 was directed at the Mandatory
Program Sertifikasi Wajib, Program Development, Program Certification Programs, Development Programs, Acceleration
Akselerasi, dan Online Learning. Program tersebut juga Programs, and Online Learning. These programs were also
disusun dengan memperhatikan efektivitas, efisiensi, prepared by taking into account the effectiveness, efficiency,
dampak, dan tujuan pembelajaran yang ingin dicapai. impact, and learning objectives needed to be accomplished.
Total man days learning pada tahun 2021 yaitu 9,06 man The total learning in 2021 was 9.06 man-days. This figure
days learning. Angka tersebut terbagi ke dalam dua metode is divided into two training methods, namely using digital
pelatihan yakni menggunakan digital learning sebesar 38% learning by 38% or 3.45 man-days learning, and the
atau 3,45 man days learning dan sisanya yaitu 62% masih remaining 62% that still use a face-to-face method and 5.61
menggunakan metode tatap muka atau sebesar 5,61 man man-days learning.
days learning.
Dibandingkan dengan man days learning tahun 2020 yakni Compared to man-day learning in 2020, which stood at
8,69, man days learning tahun 2021 mengalami peningkatan 8.69, man-day learning in 2021 increased by 0.37 man-days.
sebesar 0,37 man days learning. Peningkatan penyerapan Increased absorption of training costs and man-day learning
biaya pelatihan dan juga man days learning menunjukkan demonstrates the company’s commitment to developing its
komitmen perusahaan untuk mengembangkan SDM melalui HR through the available media or facilities at the company.
media atau fasilitas yang tersedia di perusahaaan.
Berikut rincian man days learning Bank pada tahun 2021 The following are details of the Bank’s man-day learning in
berdasarkan direktorat, level organisasi dan lokasi kerja. 2021 based on the directorate directorate, organizational
level, and work location.
Man Days Learning berdasarkan Direktorat Man-days Learning based on Directorate

Rata-rata Man Days
Direktorat Directorate
Average Man Days
Board 1,67 Board
CEO Directorate 5,76 CEO Directorate
Compliance Directorate & Legal Directorate 4,76 Compliance Directorate & Legal Directorate
Finance Directorate 5,24 Finance Directorate
Financing Directorate 4,39 Financing Directorate
Human Capital Directorate 24,64 Human Capital Directorate
Operation Directorate 7,56 Operation Directorate
Retail Banking Directorate 11,56 Retail Banking Directorate
Wholesale Banking Directorate 5,52 Wholesale Banking Directorate
Trainee Program 41,16 Trainee Program
Total 9,06 Total
Man Days Learning berdasarkan Level Organisasi Man-days Learning based on Organizational Level
Rata-rata Man Days
Level Level
Average Man Days
Board 1,67 Board
Senior Management 5,25 Senior Management
Middle Management 7,19 Middle Management
Junior Management 8,16 Junior Management
Staff 9,84 Staff
Total 9,06 Total

Man Days Learning berdasarkan Lokasi Kerja Man-days Learning based on Work Location
Rata-rata Man Days
Lokasi Kerja Work Location
Average Man Days
Kantor Pusat 6,47 Head Office
Jakarta Timur 10,53 East Jakarta
Jakarta Barat 10,53 West Jakarta
Jawa Barat 8,93 West Java
Jawa Tengah, DI Yogyakarta, dan Kalimantan 10,64 Central Java, DI Yogyakarta, and Kalimantan
Jawa Timur, Bali, dan Nusa Tenggara 9,90 East Java, Bali, and Nusa Tenggara
Sulawesi, Maluku, dan Papua 9,40 Sulawesi, Maluku, and Papua
Sumatera Selatan 10,69 South Sumatra
Sumatera Utara 9,21 North Sumatra
Cabang Luar Negeri 5,34 Foreign Branches
Total 9,06 Total
SISTEM DAN MEKANISME REWARD DAN REWARD AND PUNISHMENT SYSTEMS

PUNISHMENT KEPADA KARYAWAN AND MECHANISMS FOR EMPLOYEES
BMI menerapkan Performance Management System (PMS) BMI implements its Performance Management System (PMS)
dengan penetapan Most Important Goals (MIG) yang by determining the Most Important Goals (MIG) that are in line
selaras dengan tujuan Bank. Sistem ini terintegrasi antar with the Bank’s objectives. This system is integrated across
fungsi, sehingga semua karyawan fokus pada pencapaian functions, allowing all employees to focus on achieving the
target dan tujuan perusahaan. Sistem tersebut merupakan company’s targets and goals. The system is a development of
pengembangan dari performance culture yang merupakan culture, which is a step by the Bank to determine the reward
langkah Bank dalam menentukan mekanisme reward dan and punishment mechanisms for employees.
punishment kepada karyawan.
Penerapan reward dan punishment juga terus dikaji secara The application of reward and punishment is also
berkelanjutan agar setiap kebijakan yang diakukan continuously reviewed to ensure that every policy adopted
bukan hanya konsistensi terhadap penerapan sanksi atas is not only consistent with the application of sanctions for
kasus-kasus pelanggaran, namun mampu mendorong cases of violation, but will also be able to encourage the
pertumbuhan kinerja Bank. growth of the Bank’s performance.
Bank memiliki program insentif khusus untuk beberapa The Bank has established a special incentive program for
posisi dengan target dan pencapaian bulanan serta skema several positions with monthly targets & achievements, as
persyaratan pemberian insentif yang telah ditentukan. Pada well as a pre-determined incentive scheme. The bank also
sisi lainnya bank juga mempunyai Program Improvement Plan has an Improvement Plan Program (PIP) for employees who
(PIP) bagi para karyawan yang tidak mencapai target yang do not achieve predetermined targets, with an objective to
telah ditentukan sebelumnya, dengan tujuan agar karyawan enable these employees to achieve those targets.
dapat kembali mencapai target yang telah ditentukan.
ASESMEN KARYAWAN EMPLOYEE ASSESSMENT

Proses asesmen karyawan dilakukan untuk untuk The employee assessment process is carried out to
memastikan kompetensi dan kapabilitas karyawan sesuai ensure that employee competence and capabilities are in
dengan kebutuhan Bank. Sebagai bagian dari upaya accordance with the needs of the Bank. As part of employee
pengembangan karyawan, asesmen karyawan dilakukan development efforts, employee assessments are carried
dalam beberapa siklus human capital, diantaranya saat out in several human capital cycles, including during the
proses promosi karyawan dan/atau identifikasi talenta. employee promotion process and/or talent identification.
Asesmen dalam rangka promosi karyawan, memperhatikan Assessment in the context of employee promotion takes into
beberapa aspek yaitu, nilai jabatan, histori kinerja, tingkat account several aspects, namely, the value of the position,
kompetensi karyawan, catatan tindakan indisipliner performance history, employee competency level, employee
karyawan serta hasil evaluasi dari pimpinan kerja terkait. disciplinary action record, and evaluation results from
related work leaders.

2021 Annual Report
Adapun dalam proses identifikasi talenta memperhatikan The talent identification process considers the results of
hasil penilaian kinerja akhir tahun dan evaluasi potensi the year-end performance assessment and evaluation
yang dimiliki oleh karyawan. Identifikasi talenta dilakukan of employee potential. Talent identification is conducted
secara periodik 1 (satu) tahun sekali oleh seluruh pimpinan once a year by all work unit leaders for their respective
unit kerja terhadap subordinatnya masing-masing. Seluruh subordinates. The entire process refers to the promotion,
proses ini mengacu pada kebijakan promosi, demosi dan demotion, and talent management policies that apply within
manajemen talenta yang berlaku di perusahaan. the company.
FASILITAS DAN KESEJAHTERAAN FACILITY AND WELFARE

Penentuan kompensasi, program kesejahteraan dan The determination of compensation, welfare programs,
fasilitas bagi karyawan Bank, antara lain mengacu kepada and facilities for Bank employees refers to Law No. 13 of
Undang-Undang No. 13 tahun 2003, UU No. 11 tahun 2003, Law No. 11 of 2020, and all implementing regulations,
2020 dan seluruh aturan pelaksanaannya, termasuk including compliance with the Regency/City Minimum Wage
pemenuhan ketentuan Upah Minimum Kabupaten/Kota dan and Provincial Minimum Wage. The Bank periodically reviews
Upah Minimum Provinsi. Bank secara berkala melakukan benefit programs while adjusting to market conditions,
kajian terhadap program-program benefit dengan tetap future conditions, and considering the Bank’s financial
menyesuaikan keadaan pasar, kondisi mendatang dan performance and long-term strategy.
tetap memperhatikan kinerja keuangan Bank serta strategi
jangka panjang.
Bank memberikan remunerasi dan menerapkan program- The Bank provides remuneration and implements benefit
program benefit seperti penerapan flexible working hour, programs, such as implementing flexible working hours,
flexible benefit untuk medical benefit dan life insurance, flexible benefits for medical benefits and life insurance,
pemberian tunjangan Hari Raya Idul Adha, uang saku ibadah giving Eid al-Adha allowances, Hajj/Umrah pilgrimage
Haji/Umrah, hadiah kelahiran, hadiah pernikahan, santunan allowances, birth gifts, wedding gifts, mourning benefits,
duka bantuan biaya pendidikan anak, fasilitas olahraga, car children’s education expenses, sports facilities, car ownership
ownership program, dan pemberian tunjangan lainnya programs, and the provision of other benefits.
Selain itu, Bank secara rutin mengadakan beragam kegiatan In addition, the Bank regularly holds events and seminars to
termasuk seminar dalam mendukung worklife balance support the work-life balance of workers and improve the
pekerja serta peningkatan health and well-being pekerja health and well-being of workers by bringing in speakers
dengan mendatangkan pembicara-pembicara dari kalangan from recognized practitioners, motivators, psychologists, and
praktisi, motivator, psikolog, maupun influencer yang sudah influencers. The M-Fit program contains healthy employee
dikenal luas seperti program M-Fit, yaitu kompetisi karyawan competition, healthy branch competition, healthy family
sehat, kompetisi cabang sehat, reward keluarga sehat, dan rewards, and online doctor consultations (telemedicine).
konsultasi dokter secara online (telemedicine).
Melalui program DIGICERIA Bank memberikan wadah untuk Through the DIGICERIA program, the Bank provides a forum
melakukan konseling bagi para karyawan, yaitu kegiatan to conduct counseling for employees, namely consultation/
konsultasi/bantuan yang dilakukan untuk membantu assistance activities carried out to help overcome any
mengatasi permasalahan pribadi pekerja yang berdampak personal issues of employees that have an impact on their
kepada kinerja. Bank Muamalat juga mewajibkan block leave performance. Bank Muamalat also requires block leave for
bagi pekerja yaitu kebijakan untuk mengambil cuti selama 5 employees, a policy to take 5 (five) consecutive working days
(lima) hari kerja berturut-turut dalam 1 (satu) tahun dalam of leave in 1 (one) year in order to improve health and well-
rangka meningkatkan health and well-being bagi karyawan. being. Maternity leave is also provided by the Bank to female
Maternity leave juga diberikan Bank kepada karyawan wanita employees in accordance with applicable laws, as well as
sesuai dengan Undang-Undang yang berlaku serta paternity paternity leave for male employees whose wives are giving
leave karyawan laki-laki yang istrinya melahirkan. Bank birth. The Bank provides childcare facilities in the form of Day
kemudian memberikan fasilitas berupa child care facilities Care in the office environment to provide a sense of calm
berupa Day Care di lingkungan kantor untuk memberikan and security for female employees with children under five.
rasa tenang dan aman bagi karyawan wanita yang
mempunyai anak balita.

RASIO GAJI TERTINGGI DAN TERENDAH HIGHEST AND LOWEST SALARY RATIO
Rasio gaji tertinggi dan terendah sesuai grade maksimum The following is the ratio of the highest and lowest salaries
masing-masing karyawan di Bank adalah sebagai berikut: according to the maximum grade of each employee at
the Bank:
Rasio Gaji Tertinggi : Terendah 26,0 Highest Employee Salary Ratio : Lowest
Rasio Gaji Direksi Tertinggi : Terendah 1,7 Highest Salary Ratio of Directors : Lowest
Rasio Gaji Komisaris Tertinggi : Terendah 1,1 Highest Commissioner Salary Ratio : Lowest
Rasio Gaji Direksi Tertinggi : Karyawan Tertinggi 2,3 Highest Salary Ratio of Directors : Highest Employee
STATISTIK HUMAN CAPITAL HUMAN CAPITAL STATISTICS

Informasi lengkap mengenai hal ini disajikan dalam Bab Complete information on this matter is presented in the
“Profil Perusahaan”. Chapter “Company Profile”.
STRATEGI DAN PROGRAM 2022 STRATEGY AND PROGRAM IN 2022

Pengembangan organisasi dan pencapaian kinerja melalui Organizational development and performance achievement
program pelatihan karyawan dan manajemen talenta yang through an effective employee training program and talent
efektif akan mendukung tercapainya prioritas strategi dan management supports the achievement of the Bank’s
fokus Bank di tahun 2022. Pengembangan bermaksud untuk strategic priorities and focus in 2022. The development
menyiapkan Sumber Daya Manusia yang memiliki kualifikasi aims to prepare Human Resources with reliable competency
kompetensi yang handal, berintegritas tinggi serta produktif qualifications, high integrity, and productive ability to
yang mengelola jalannya organisasi dengan berbasiskan manage the running of the organization. This is assuming
teknologi digital agar dapat mencapai tujuan yang telah digital technology in order to accomplish the set goals and
ditetapkan dan siap menghadapi era revolusi digital serta be ready to respond to the digital revolution age and make
menyesuaikan dengan rencana bisnis Bank. Oleh karena adjustments to the Bank’s business plan. Therefore, the
itu, proses pengembangan dan transformasi Sumber Daya process of developing and transforming Human Resources
Manusia dengan menyelaraskan kurikulum pendidikan by aligning a structured and sustainable education and
dan pelatihan yang terstruktur dan berkelanjutan menuju training curriculum towards reliable quality competencies
kualitas kompetensi yang handal merupakan hal utama is the main focus in the process of developing human
dalam proses pengembangan Sumber Daya Manusia yang resources who are ready to compete in the new era.
siap bersaing dalam era baru.
Guna mendukung tercapainya tujuan dan fokus bisnis To support the achievement of the company’s business goals
perusahaan di tahun 2022 yaitu Increase Margin Income, and focuses in 2022, namely, to Increase Margin Income,
Lower Cost of Fund, Boost Fee based income, dan Aggressive Lower Cost of Fund, Boost Fee-based Income and Aggressive
Recovery, maka dari itu, strategi pengembangan Sumber Recovery, the strategy of human resources development will
Daya Manusia akan memprioritaskan 4 (empat) inisiatif prioritize the following 4 (four) initiatives:
sebagai berikut:
1. Peningkatan kompetensi soft skill dan technical skill 1. Competency improvement in soft skills and technical
sehingga mendorong produktivitas business function dan skills, ultimately encouraging the productivity of the
key enabler function dengan optimalisasi blended learning. business function and key enabler function by optimizing
blended learning.
2. Peningkatan kompetensi digital baik dari sisi mindset 2. Digital competency improvement, both in terms of
dan skill set agar organisasi dapat bertransformasi mindset and skill set, allowing the organization to
dan bersaing dalam era teknologi finansial dan transform and compete in the financial technology age
kebiasaan baru. and with new habits.
3. Peningkatan kapasitas/kemampuan manajerial, 3. Managerial, leadership, and talent management
kepemimpinan, dan manajemen talenta capacity/capability improvement
4. Menyelaraskan kurikulum pengembangan dan pelatihan 4. Aligning the development and training curriculum with
dengan butir 1, 2 , dan 3. points 1, 2, and 3.

2021 Annual Report
Teknologi Informasi
Information Technology
Pada tahun 2021,
Bank mengeluarkan
belanja investasi
Teknologi Informasi
Teknologi informasi memiliki peranan Information technology plays an sebesar Rp8 miliar
penting dalam menunjang proses bisnis important role in supporting Bank untuk optimalisasi
Bank Muamalat Indonesia. Karena itu, Muamalat Indonesia’s business sarana dan prasarana
Bank terus mengikuti perkembangannya processes. Therefore, the Bank continues Teknologi Informasi.
serta berupaya meningkatkan kapasitas to monitor the latest information
Teknologi Informasi. Optimalisasi sarana technology developments. Optimization
dan prasarana Teknologi Informasi terus of information technology facilities and In 2021, the Bank
dilakukan secara berkala, khususnya infrastructure continues to be carried invested Rp8 billion
terkait dengan keamanan (security) out on a regular basis, specifically in the in Information
penggunaan Teknologi Informasi, area of security to ensure security and Technology to
sehingga mampu memastikan keamanan convenience for the bank’s customers. optimization of
dan kenyamanan bagi nasabah. Hal This is a part of the bank’s commitment to information technology
ini menjadi bagian dari komitmen dan achieving its vision and mission. facilities and
semangat Bank dalam upaya mewujudkan infrastructure
visi dan misi Bank.

Inovasi digital yang dilakukan oleh PT Bank Muamalat

Indonesia Tbk melalui aplikasi mobile banking Muamalat
Digital Islamic Network (DIN) diganjar penghargaan
sebagai Bank Syariah dengan Inovasi Digital Terbaik
dalam ajang Anugerah Syariah Republika 2021.
Digital innovation carried out by PT Bank Muamalat Indonesia Tbk through the mobile
banking application Muamalat Digital Islamic Network (DIN) was awarded an award
as a Sharia Bank with the Best Digital Innovation at the Anugerah Syariah Republika
2021 event.
Melalui layanan berbasis Teknologi Informasi, Bank berharap By utilizing Information Technology-based services, the Bank
mampu meningkatkan dan memudahkan pelayanan kepada expects to be able to improve customer services through
nasabah melalui otomatisasi proses bisnis, efisiensi proses, business process automation, process efficiency, and
dan inovasi produk. Pengembangan Teknologi Informasi product innovation. Information Technology developments
juga dibutuhkan untuk melakukan integrasi proses bisnis are also required to integrate business processes, which
yang memberikan manfaat tidak hanya untuk nasabah, benefits not only customers but also business development.
tetapi juga untuk pengembangan bisnis.
Pengelolaan Teknologi Informasi BMI dilaksanakan oleh BMI Information Technology is managed by the Information
Divisi Teknologi Informasi, yang bertanggung jawab atas Technology Division, which is responsible for implementing
pelaksanaan dan pemantauan operasional Teknologi and monitoring the bank’s information technology
Informasi Bank, perbaikan dan pengembangan sistem operations, system improvements and developments
(hardware dan software), sesuai dengan kebutuhan (hardware and software), as well as information technology
pengembangan rencana bisnis bank. Begitu juga dengan security and e-channel systems. Furthermore, the operation
pengamanan sistem Information technology security & and maintenance of the Bank’s Data Center and the Disaster
e-channel. Kemudian, operasional dan perawatan Data Center Recovery Center are managed directly by the Information
& Disaster Recovery Center milik Bank yang dikelola langsung Technology Operations team.
oleh tim Information Technology Operation.
Divisi Teknologi Informasi terus memberikan masukan The Information Technology Division continues to provide
kepada unit-unit bisnis terkait inisiatif Information Technology input to business units on Digital Banking initiatives that
Digital Banking yang dapat dipertimbangkan untuk could be a part of future business development. This
pengembangan bisnis ke depan, termasuk pelaporan- includes Information Technology reports for the regulators in
pelaporan Teknologi Informasi kepada regulator sesuai accordance with the Financial Services Authority Regulations.
dengan Peraturan Otoritas Jasa Keuangan.
TATA KELOLA TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY

GOVERNANCE
Divisi Teknologi Informasi dipimpin oleh seorang Kepala The Information Technology Division is led by a Division
Divisi, dalam hal ini Head of Information Technology (IT), Head, i.e. Head of Information Technology (IT), who reports
yang bertanggung jawab langsung kepada Direktur Operasi. directly to the Director of Operations. The division had 55
Hingga akhir tahun buku 2021, Divisi Teknologi Informasi employees at the end of the 2021 fiscal year.
BMI didukung oleh 55 karyawan.

2021 Annual Report
Pada tahun 2021, Divisi Teknologi Informasi Bank Muamalat In 2021, Bank Muamalat Indonesia’s Information Technology
Indonesia memiliki 5 (lima) sub-unit, yaitu IT Operation, IT Division had 5 (five) sub-units: IT Operation, IT Governance &
Governance & Security, IT Solution Delivery, IT Enterprise Security, IT Solution Delivery, IT Enterprise Data Management,
Data Management, dan IT Project Management Office (PMO). and IT Project Management Office (PMO). The organizational
Berikut adalah struktur organisasinya. structure is presented below.
Operation Director
Head of Information
Technology
Head of IT Governance Head of IT Solution Head of IT Enterprise Head of IT

Head of IT Operation
& Security Delivery Data Management Digital Solution
• IT Service Delivery • IT Security • IT Core System • Datawarehouse • IT E-Channel

• IT Data Center Operation Developer Developer Developer
Operation • IT Security • IT Surrounding • Datawarehouse • IT E-Channel System
• IT Data Center Infrastructure System Developer Analyst Analyst
Facility • IT Architecture • IT Core Application • IT E-Channel
• IT Librarian • IT Finance & Vendor Support Application Support
• IT Helpdesk Management • IT Surrounding
• IT ATM Services • IT Change Application Support
• IT Infrastructure Management &
• IT Server & Storage Quality Assurance
• IT Network • IT Compliance &
• IT Support Client Audit
• IT Database
Administrator
Masing-masing sub-unit tersebut dipimpin oleh seorang Each sub-unit is headed by a leader who has the following
Kepala dengan tugas dan tanggung jawab sebagai berikut. duties and responsibilities.
No. Job Title (PIC) Tugas dan Tanggung Jawab Role
1 Kepala Divisi Teknologi Informasi • Mengelola dan mengarahkan sumber daya • Manage and direct IT human resources and IT
Head of Information Technology manusia dan layanan teknologi informasi di services
Divisi Teknologi Infomasi
• Laporan langsung kepada Direktur • Report directly to the Director of Operations
Operasional
1.1 Kepala Divisi Operasional • Mengelola Operasi Pusat data • Manage Operations of Data Center
Teknologi Informasi • Mengelola aplikasi layanan dan helpdesk • Manage application support and helpdesk
Head of Information Technology • Mengelola server dan jaringan infrastuktur • Manage infrastructure server and network
Operations
1.2 Kepala Tata Kelola dan Kemanan • Mengelola anggaran dan vendor • Manage budget and vendors
Teknologi Informasi • Mengelola keamanan TI • Manage IT security
Head of Information Technology • Mengelola mekanisme TI • Manage IT governance
Governance & Security
1.3 Head of Information Technology • Mengelola system core banking • Manage core banking system
Solution Delivery • Mengelola trade, treasury, transaksi • Manage trade, treasury, transaction banking,
Head of Information Technology perbankan, dan developer and developers
Solution Delivery
1.4 Kepala Manajemen Data • Mengelola MIS dan DWH • Manage MIS and DWH
Perusahaan Teknologi Informasi • Mengelola Pelaporan Peraturan • Manage Regulatory Reports
Head of Information Technology • Mengelola Analisis Data • Manage Data Analytics
Enterprise Data Management
1.5 Kepala Solusi Digital Teknologi • Mengelola e-channel • Manage e-channels
Informasi • Mengelola sistem integrasi • Manage system integration
Head of Information Technology
Digital Solutions

ROADMAP TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY ROADMAP

Roadmap Teknologi Informasi Bank Muamlaat tertuang The Bank’s Information Technology Roadmap is set out in
dalam Information Technology Mid Long Term Plan 2019- the Information Technology Mid-Long Term Plan 2019–2021,
2021, yang merupakan landasan bagi Bank untuk terus which serves as the foundation for the Bank to continue
meningkatkan kinerja Divisi Teknologi Informasi melalui improving the performance of the Information Technology
perbaikan proses teknologi informasi, tata kelola, dan Division through improvements in information technology
sumber daya manusia. processes, governance, and human resources.
Pada tahun 2021, Bank melanjutkan fokus tahun sebelumnya, In 2021, the Bank continued its focus on the previous
yaitu pada operational excellent & innovation, sebagaimana year’s targets, i.e. operational excellence and innovation, as
penjelasan berikut. explained below.
2018
ASSESSMENT
Quick Relief
• IT Consolidation & Reorganization
• Optimization legacy system
• Gaps Identification
• Regulatory Compliance
• Implement new system
• Continuous system enhancement
COMPLEXITY/COMPETENCE
2020-2021
INNOVATION
2019-2020
EXECUTION Operational Excellent &
Innovations
Fill the Gap • Align IT with business
• Align IT with business • Strengthen system integrations
• Strengthen IT organization • Strengthen system digitations
• Upgrade IT infrastructure • Strengthen MIS & data warehouse
• Replace obsolete system • Strengthen IT risk management
• Strengthen straight through • Adopt best practise technology
processing • Improve skills & knowledge
• Implement system • Continuos system enhancement
automations • Collaboration with fintech & digital
• Implement performance ecosystem
monitoring
• Implement system integration
• Improve skills & knowledge
• Establish fundamental digital
bangking
SOFTWARE DEVELOPMENT PROCESS MATURITY
INVESTASI TEKNOLOGI INFORMASI INVESTMENT IN INFORMATION

TECHNOLOGY
Pada tahun 2021, Bank mengeluarkan belanja investasi In 2021, the Bank invested Rp8 billion in Information
Teknologi Informasi sebesar Rp8 miliar. Anggaran tersebut Technology. The budget was used to develop core banking
digunakan untuk pengembangan sistem core banking, systems, middleware, mobile banking Muamalat Digital
middleware, mobile banking Muamalat Digital Islamic Islamic Network (MDIN), ANTASENA regulatory reporting,
Network (MDIN), dalam memenuhi kesiapan regulatory SLIK, Dukcapil e-KTP integration system, Development of
reporting ANTASENA, SLIK, Integrasi sistem Dukcapil e-KTP, Smart GoAML, JFAST, ProHajj, VISA payWave payments, SWIFT
Pengembangan Smart GoAML, JFAST, ProHajj, pembayaran Sanction Screening, SWIFT SR 2021 Upgrade, development

2021 Annual Report
VISA payWave, SWIFT Sanction Screening, SWIFT SR 2021 of digital services, QRIS, Smart Account Opening and other
Upgrade, pengembangan layanan-layanan digital, QRIS, business services and smart operations.
Smart Account Opening dan layanan bisnis dan smart
operations lainnya.
STRATEGI PENGEMBANGAN TI IT DEVELOPMENT STRATEGY

Divisi Teknologi Informasi Bank telah membuat perencanaan The Bank’s Information Technology Division has developed
dan pengembangan sistem yang mengacu pada pengajuan a system that refers to the request of business needs in
kebutuhan bisnis serta sesuai rencana bisnis Bank, yang accordance with the Bank’s business plan, which is then
selanjutnya dilaporkan kepada regulator dan Komite reported to the regulator and the Information Technology
Teknologi Informasi (IT Steering Committee). Komite tersebut Committee (IT Steering Committee). The committee consists
terdiri dari Board member dan major bisnis users representative. of the Board members and the representatives of main
Komite memantau progres dan perkembangan proyek serta business users. The Committee monitors the progress
inisiatif strategis jangka pendek dan jangka panjang terkait of projects as well as short-term and long-term strategic
Teknologi Informasi Bank, khususnya terkait pengembangan initiatives related to the Bank’s Information Technology,
layanan digital melalui MDIN, automated and smart operations particularly those related to the development of digital
processing, pengembangan layanan pembiayaan, ProHajj, services through MDIN, automated and smart operations
perbaikan data cleansing dan quality-internal dan regulatory processing, development of financing services, ProHajj,
reporting sesuai persyaratan Bank Indonesia dan Otoritas improvement of data transparency and quality-internal and
Jasa Keuangan. regulatory reporting in accordance with the requirements of
Bank Indonesia and the Financial Services Authority’s (FSA).
PENGHARGAAN AWARDS
Berikut adalah penghargaan yang diterima oleh Bank Bank Muamalat received the following awards in the field of
Muamalat di bidang Teknologi Informasi sepanjang tahun Information Technology in 2021.
2021.
• 1st Rank bank Umum Syariah Buku 2 Infobank 10th Digital • 1st Rank Shariah Bank Buku 2, Infobank’s 10th Digital
Brand Awards 2021 Brand Awards 2021
• Bank Syariah Inovasi Digital Terbaik tahun 2021 Kategori • Best Sharia Bank with Digital Innovation Bank Buku 2
Bank Buku 2 dari Anugerah Syariah Republika 2021 Category, Anugerah Syariah Republika 2021
• Infobrand.id – Top Mobile Application Award 2021 in • Infobrand.id – Top Mobile Application Award 2021 in
Recognition of Top Mobile Application Recognition of Top Mobile Application
• Peringkat ke-1 SLE Satisfaction Loyalty Engagement • 1st Rank SLE Satisfaction Loyalty Engagement Index 2021
Index 2021
• Peringkat ke-1 Satisfaction (Mobile Banking) Kategori • 1st Rank Satisfaction (Mobile Banking) Category for Sharia
Bank Umum Syariah 2021 Bank 2021
• Peringkat ke-2 Satisfaction (Kantor Cabang) Kategori • 2nd Rank Satisfaction (Branch Office) Category for Sharia
Bank Umum Syariah 2021 Bank 2021
• Peringkat ke-3 Satisfaction (ATM) Kategori Bank Umum • 3rd Rank Satisfaction (ATM) Category for Sharia Bank
Syariah 2021 2021
KINERJA 2021 PERFORMANCE IN 2021

Sepanjang tahun 2021, Bank melakukan berbagai Throughout 2021, the Bank carried out various IT
pengembangan dan inovasi TI, utamanya terkait dengan innovations, mainly related to the development of digital
pengembangan layanan digital melalui MDIN, automated services through MDIN, automated and smart operations
and smart operations processing, pengembangan layanan processing, development of financing services, ProHajj,
pembiayaan, ProHajj, perbaikan data cleansing dan quality- improvement of data transparency and quality - internal and
internal dan regulatory reporting sesuai persyaratan Bank regulatory reporting in accordance with the requirements of
Indonesia dan Otoritas Jasa Keuangan. Bank Indonesia and the Financial Services Authority (FSA).
Divisi Teknologi Informasi telah menyelesaikan 15 The Information Technology Division has completed 15
pengembangan dan inovasi Teknologi Informasi, sementara information technology development projects, with 13 more
13 proyek dalam tahap proses. Berikut adalah uraian projects still in progress. The following is a description of the
pengembangan dan inovasi yang berhasil dilakukan oleh Bank’s developments through December 31, 2021, as well as
Bank hingga 31 Desember 2021 berserta dengan tujuan atau their objectives, benefits, and status.
manfaat serta statusnya.

Pengembangan dan Inovasi Teknologi pada Tahun 2021 Technology Developments in 2021
Uraian Tujuan/Manfaat
No. Status
Description Objectives/Benefit
1 Smart goAML Peningkatan Pemantauan Anti Pencucian Uang Selesai
Improvement of Anti Money Laundering Monitoring Completed
2 Project Al-Basith ANTASENA Kesiapan Pelaporan ANTASENA BI untuk kepatuhan peraturan Selesai
Regulatory Compliance ANTASENA BI Reporting readiness Completed
3 Project Al-Basith SLIK Kesiapan Pelaporan Kepatuhan Peraturan Selesai
Regulatory Compliance Reporting Readiness Completed
4 MDIN QRIS Issuer Peningkatan sistem pembayaran MDIN menggunakan QR QRIS Selesai
Improvement of MDIN payments using QR QRIS Completed
5 MDIN Smart Account Opening Peningkatan kemudahan pembukaan akun melalui MDIN Selesai
Improvement of easy account opening via MDIN Completed
6 FOS Phase 2A Peningkatan dalam proses pembiayaan origination system untuk Selesai
beberapa produk consumer financing Completed
Improvement of Financing Origination System processing for some
consumer financing products
7 Cash Deposit Machine - Mesin setoran tunai perusahaan yang aman Selesai
Corporate Secure Corporate Cash Deposit Machine Completed
8 ProHajj – eForm telesales Peningkatan dalam kecepatan dan kemudahan pendaftaran haji melalui Selesai
ProHajj e-Form Completed
Faster and easier registration of the ProHajj eForm
9 ProHajj – Digital form Web and Peningkatan dalam kecepatan dan kemudahan pendaftaran ProHajj Selesai
Sosmed melalui formulir Web sosmed Completed
Faster and easier registration of ProHajj via a Web form sosmed
10 ProHajj – Mobile Banking Peningkatan dalam kecepatan dan kemudahan pendaftaran ProHajj Selesai
melalui MDIN Completed
Faster and easier registration of ProHajj via MDIN
11 RPA Digital Akad, Posting FOS Peningkatan dalam kecepatan dan kemudahan dalam proses automasi Selesai
akad digital dan koneksi FOS Completed
Faster and easier process automation, digital akad, and FOS connection
12 ProHajj – SLIK-AR Enhancement SLIK-AR terkait layanan ProHajj Selesai
Improvement of SLIK-AR ProHajj service Completed
13 Smart Operations Branch Peningkatan platform operasi front-end cabang terintegrasi Selesai
Delivery System Improvement of the integrated branch front-end operation platform Completed
14 PC Seat Phase 2 (Head Office) Peningkatan keamanan endpoint dengan penyegaran infrastruktur PC Selesai
kantor pusat Completed
Improvement of endpoint security with a head office PC infrastructure
refreshment
15 VISA PayWave Fitur transaksi yang mudah dengan VISA PayWave Selesai
Easy transaction feature with VISA PayWave Completed
16 SWIFT Upgrade SR2021-Phase 1 Peningkatan SWIFT Release 2021 Selesai
SWIFT Release 2021 Upgrade Completed
17 Akad Restru Online Peningkatan fitur untuk restrukturisasi Akad Selesai
Improvement of features for Akad restructure Completed
18 MDIN Account Maintenance Peningkatan dalam pemeliharaan fitur MDIN self-account untuk nasabah Selesai
Improvement of MDIN self-account maintenance for customers Completed
19 SISMONTAVAR Kesiapan dalam pelaporan peraturan SISMONTAVAR terintegrasi Selesai
Integrated SISMONTAVAR regulatory reporting readiness Completed
20 SWIFT Upgrade SR2021-Phase 2 SWIFT Release 2021 upgrade (untuk Trade) Selesai
SWIFT Release 2021 upgrade (for Trade) Completed
21 SWIFT Upgrade SR2021-Phase 2 SWIFT Release 2021 upgrade (untuk LLD) Selesai
SWIFT Release 2021 upgrade (for LLD) Completed
22 FOS Phase 2 (SME) Peningkatan proses Pembiayaan Origination untuk UKM Selesai
Improvement of the Financing Origination process for SME Completed
23 Aset Lelang Peningkatan fitur untuk lelang aset Selesai
Improvement of features for assets auctions Completed
24 MDIN – QRIS Acquisition Peningkatan fitur opsi pembayaran MDIN untuk merchant Selesai
(Merchant) Improvement of MDIN payment option features for merchants Completed
25 MDIN – Registrasi Tanpa Kartu Peningkatan pendaftaran akun MDIN tanpa kartu Selesai
Improvement of MDIN account registration without a card Completed
26 MDIN – Pelunasan Haji Peningkatan fitur MDIN untuk pembayaran haji Selesai
Improvement of MDIN feature for Hajj payments Completed
27 MDIN – Tarik Tunai (Indomaret) Peningkatan fitur MDIN untuk penarikan uang di merchant retail Selesai
Improvement of MDIN feature for money withdrawals at retail merchants Completed

2021 Annual Report
Uraian Tujuan/Manfaat
No. Status
Description Objectives/Benefit
28 Financial Supply Chain Peningkatan rantai pasokan keuangan Selesai
Improvement of financial supply chain Completed
29 Smart Operations – Chatbot Peningkatan keterlibatan dan pengalaman nasabah dengan Chatbot Selesai
Improvement of customer engagement and experience with chatbot Completed
30 Smart Operations – BMPP Peningkatan proses pelaporan BMPP Selesai
Improvement of the BMPP Reporting process Completed
Rencana, Strategi, dan Kebijakan 2022 Plans, Strategies, and Policies for 2022
Bank Muamalat berkomitmen untuk terus menjadi yang Bank Muamalat is committed to remaining at the forefront of
terdepan dalam pengembangan Teknologi Informasi banking information technology developments, specifically
perbankan, terutama digital banking. Pada tahun 2022, in digital banking. In 2022, the Bank will implement plans,
Bank Muamalat akan menerapkan rencana, strategi, dan strategies, and policies to promote a stable financial system
kebijakan untuk terus mempromosikan lingkungan sistem and achieve sustainable financial returns and healthy
keuangan yang stabil untuk mencapai keuntungan finansial business growth.
yang berkelanjutan dan pertumbuhan bisnis yang sehat.
Pada tahun 2022, Bank Muamalat juga akan fokus pada Bank Muamalat will also focus on the development of
pengembangan Teknologi Informasi yang menitikberatkan Information Technology in 2022. Among others, it will
kepada teknologi yang capable dan secure dalam menunjang focus on capable and secure technology to support various
peningkatan dan improvement: improvements including:
1. Financing Process & infrastructure 1. Financing Processes and Infrastructure
2. Financing Document 2. Financing Agreements
3. Service Quality Standard 3. Service Quality Criteria
4. Digital Customer Experience. 4. Digital Customer Experience

Manajemen Risiko
Risk Management
SISTEM MANAJEMEN RISIKO RISK MANAGEMENT SYSTEM

Perkembangan di sektor perbankan saat semakin kompleks The developments in the banking sector are more complex
dan kompetitif dibandingkan tahun-tahun sebelumnya. and competitive than ever. This is a response to rapid
Kondisi tersebut merupakan respons dari perubahan yang changes at the global and local levels in terms of economy,
terjadi secara cepat di tingkat global maupun lokal dari sisi information technology, politics, law, and culture.
ekonomi, teknologi informasi, politik, hukum, hingga sosial
dan budaya.
Perubahan yang cepat tersebut ikut meningkatkan risiko Such rapid changes also increase the risks associated with
yang dihadapi perbankan syariah, terutama pada aktivitas Islamic banking, particularly in direct and indirect operational
operasional, baik langsung maupun tidak. Dalam situasi activities. As such, Bank Muamalat Indonesia (“BMI”, “Bank”)
seperti itu, Bank Muamalat Indonesia (“BMI”, “Bank”) has a risk management process for each of the Bank’s
merespons pengelolaan risiko pada setiap aktivitas bisnis business activities or operations based on the principle of
atau operasional Bank dengan berlandaskan pada prinsip prudence and Good Corporate Governance.
kehati-hatian dan Tata Kelola Perusahaan yang baik (Good
Corporate Governance).
Komitmen tersebut juga diiringi oleh pengelolaan risiko This commitment is also accompanied by risk management
dengan mekanisme yang sejalan dengan ketentuan dari processes that align with the regulatory provisions. The
regulator. Penerapan manajemen risiko yang komprehensif implementation of comprehensive risk management is
diharapkan dapat melindungi Bank secara individu maupun expected to protect the Bank and its subsidiaries from
dengan perusahaan anak dari potensi kerugian yang potential losses that may arise due to the implementation
mungkin timbul akibat pelaksanaan beragam aktivitas of various business and operational activities. The
bisnis dan operasional. Di sisi lain, penerapan manajemen implementation of risk management could also create
risiko dapat menciptakan nilai tambah bagi pemangku added value for the Bank’s stakeholders.
kepentingan perusahaan.
Kerangka Manajemen Risiko Risk Management Framework

Kerangka manajemen risiko BMI dikembangkan selaras BMI’s risk management framework has been developed
dengan strategi bisnis Bank, struktur organisasi, ketentuan in line with the Bank’s business strategy, organizational
internal, serta ketersediaan infrastruktur Bank, sebagaimana structure, internal regulations, and available infrastructure,
disajikan pada gambar berikut ini. as presented in the following graphics.

2021 Annual Report
Kerangka Manajemen Risiko Bank Muamalat Indonesia Bank Muamalat Indonesia Risk Management
Framework
1.
Strategic &
Risk Objective
2. Risk Appetite
3. Risk Management Strategy
Quality of Risk Management Monitoring and Evaluation
Risk Governance Product Process Risk Oversight Committee
Risk Management Infrastructure Business Risk Management Committee

Management
Risk Management Process Process Sharia Supervisory Board
Risk Control System Policy People Risk Management Work Unit
Risk Culture Training

Risk Awareness
Internal Communication Reward & Punishment
Good Corporate Governance
Corporate Value
Kunci keberhasilan Bank dalam menerapkan manajemen The Bank’s risk management is based on a risk management
risiko karena berlandaskan pada kerangka manajemen framework. The framework is built on the values of
risiko. Kerangka tersebut dibangun dari nilai-nilai Good Good Corporate Governance and Corporate Values as
Corporate Governance dan Corporate Value serta penguatan well as the desire to strengthen Risk Awareness in all
Risk Awareness di seluruh lini kerja Bank. Upaya tersebut business lines within the Bank. Such efforts are realized
direalisasikan melalui implementasi budaya risiko, through the implementation of risk culture, good internal
komunikasi internal yang baik, kecukupan pelatihan dan communication, adequate training and certification related
sertifikasi terkait manajemen risiko, serta penerapan reward to risk management, as well as the application of a reward
and punishment sebagaimana diatur dalam Ittifaq Bank and punishment system as stipulated in the Ittifaq of Bank
Muamalat Indonesia. Muamalat Indonesia.
Dengan kerangka yang kuat tersebut, Bank Muamalat Bank Muamalat’s business processes are supported by
melakukan proses bisnis dengan ditopang oleh kebijakan, policies, products, and human resources. The business
produk, proses dan sumber daya manusia. Pelaksanaan processes are implemented in line with the 2 (two) pillars of
proses bisnis dilakukan dengan senantiasa memperhatikan risk management.
2 (dua) pilar manajemen risiko.

Dua Pilar Manajemen Risiko Two Pillars of Risk Management

Pilar mitigasi risiko yang memadai sesuai jenis risiko The pillar of adequate risk mitigation is according to the type
inheren yang dapat diidentifikasi, dalam bentuk tata kelola, of inherent risk in the form of governance, infrastructure,
infrastruktur, proses manajemen risiko, dan pengendalian risk management processes, and risk control.
risiko.
Pilar pemantauan dan evaluasi secara berkelanjutan atas The pillar of continuous monitoring and evaluation of
proses bisnis yang dilakukan antara lain melalui Risk Oversight business processes is carried out through the Risk Oversight
Committee di level Dewan Komisaris, Risk Management Committee at the level of the Board of Commissioners, the
Committee di level Direksi, Dewan Pengawas Syariah (DPS) Risk Management Committee at the level of the Board of
dan unit kerja Manajemen Risiko. Directors, the Sharia Supervisory Board (DPS) and the Risk
Management work unit.
BMI senantiasa berupaya mencapai dan melaksanakan BMI strives to achieve and implement corporate strategy
corporate strategy dan risk objective, baik jangka panjang, and risk objectives, including those in the long, medium and
menengah, maupun pendek, dan menjaga eksposur risiko short term, and maintains risk exposure in accordance with
sesuai risk appetite Bank, ditopang oleh dengan landasan the Bank’s risk appetite , supported by strong foundations
dan pilar yang kuat. and pillars.
Dalam mengimplementasikan manajemen risiko di Bank, Risk management at the Bank involves all elements within
pelibatan seluruh unsur dalam organisasi mulai dari the organization, from the management to the employees.
manajemen hingga karyawan pelaksana menjadi hal yang All of these elements play an active role in the context of
penting. Seluruh unsur tersebut berperan aktif dalam the “Three Lines of Defense” risk management under the
konteks “Tiga Lini Pertahanan” manajemen risiko, di bawah supervision of the Board of Commissioners and the Board
pengawasan Dewan Komisaris dan Direksi. of Directors.
First Line Second Line Third Line
• Business Unit • Risk Management Units • Internal Audit Unit

• Financing Risk Unit • Compliance Unit
• Support Function Unit • Legal Unit
Daily Operation of Risk Oversight Function Independent Challenge and

Management Assurance
Lini-1: First Line of Defense   Line-1: First Line of Defense 

First line of defense atau lini pertahanan pertama terdiri dari The first line of defense consists of risk units that perform
unit kerja pengambil dan pemilik risiko yang melaksanakan business functions, as well as the business support units. In
fungsi bisnis dan unit kerja pendukung bisnis di mana running daily activities, these units deal directly with various
seluruh aktivitas hariannya melekat berbagai jenis dan risiko types of risks. All functions in the first line of defense are
yang dihadapi. Seluruh unit pada lini pertahanan pertama responsible for identifying and managing the inherent
bertanggung jawab untuk mengidentifikasi dan mengelola risks in every product, activity, process and system, and
risiko pada setiap produk, proses, kegiatan, dan sistem yang are expected to have high risk awareness to manage risks
dijalankan dengan menerapkan nilai-nilai budaya sadar effectively.
risiko untuk menciptakan sistem manajemen risiko yang
efektif.

2021 Annual Report
Lini-2: Second Line of Defense   Line-2: Second Line of Defense 

Lini pertahanan kedua terdiri dari unit kerja manajemen risiko The second line of defense consists of risk management,
(SKMR), kepatuhan dan hukum sebagai fungsi pengawasan compliance and legal unit as a supervisory function
yang bertanggung jawab untuk mengembangkan dan responsible for develop and implement management
melaksanakan strategi manajemen risiko di Bank, strategies risks in the Bank, including maintaining the
termasuk memelihara kecukupan atas ketersediaan tools adequacy of availability of control tools.
pengendaliannya.
Lini-3: Third Line of Defense Line-3: Third Line of Defense

Third line of defense atau lini pertahanan ketiga ialah unit The third line of defense is the internal audit unit. The
internal audit sebagai unit independen yang bertugas Internal audit unit functions as an independent unit in
melakukan risk-based audit kepada lini pertahanan pertama charge of conducting risk-based audits that provide added
dan kedua untuk memastikan bahwa seluruh elemen Bank value to the first and second lines of defense and ensuring
telah melaksanakan fungsi dan tanggung jawabnya dengan that all elements of the Bank have completed their functions
baik, termasuk memastikan kesesuaian dengan kebijakan including compliance with Bank Muamalat’s management
manajemen Bank dan regulasi yang berlaku. policies and regulations.
Organisasi Manajemen Risiko Risk Management Organization

BMI memiliki unit kerja manajemen risiko sebagai second line BMI maintains risk management unit as the second line
of defense di bawah Compliance, Risk & Legal Director guna of defense under the Compliance, Risk & Legal Director to
memastikan pelaksanaan tata kelola manajemen risiko, ensure the implementation of risk management governance,
menyediakan dan memperbaharui kerangka manajemen provide and update the risk management framework, and
risiko, memastikan terlaksananya proses manajemen ensure the implementation of risk management processes,
risiko, sistem informasi dan sumber daya manusia serta information systems, and risk control. The risk management
pelaksanaan sistem pengendalian risiko. Unit kerja unit is independent from the Bank’s business units and
manajemen risiko merupakan unit kerja yang independen operational units. It has the main responsibility of ensuring
dari unit bisnis dan unit operasional Bank, serta memiliki the appropriate implementation of the risk management
tanggung jawab utama untuk memastikan proses penerapan process at the Bank.
manajemen risiko telah berjalan efektif di Bank.
Struktur organisasi di bawah Compliance, Risk & Legal The organizational structure under the Compliance, Risk &
Director adalah sebagai berikut: Legal Director is as follows:
Compliance, Risk & Legal Director
Integrated Risk
Compliance Corporate Legal
Management

Masing-masing unit memiliki tanggung jawab yang diuraikan Each unit is assigned set responsibilities as described in the
dalam tabel berikut ini. following table.
Nama Unit
Tanggung Jawab Responsibilities
Unit Name
Compliance 1. Memastikan seluruh aktivitas bisnis dan 1. Ensure that all business and operational activities
operasional Bank telah memenuhi ketentuan within the Bank comply with the regulatory
regulator dan prinsip syariah; requirements and sharia principles;
2. mengembangkan budaya kepatuhan pada seluruh 2. develop a culture of compliance at all levels of the
jenjang lini organisasi; organization;
3. mendukung dan memberikan tinjauan risiko 3. provide a review of compliance risk in relation
kepatuhan atas pengembangan, penyusunan, to the development and upgrades of products,
pembaharuan produk, program, aktivitas, programs, activities, and internal regulations; and
termasuk ketentuan internalnya; dan
4. memastikan dan menyampaikan kewajiban 4. ensure timely submission of reporting
pelaporan kepada regulator tepat waktu. requirements to the regulators.
Corporate Legal 1. Mengelola dan menangani permasalahan hukum 1. Manage and handle legal issues, particularly those
khususnya terkait perkara hukum yang dihadapi related to legal cases involving the Bank. This
Bank, baik memberikan bantuan penanganan includes both providing assistance in proceedings
perkara maupun memberikan gambaran lengkap and providing a complete picture of all cases that
atas perkara yang dihadapi; involve the Bank;
2. melindungi dan memastikan setiap aksi korporasi 2. ensure that every corporate action taken by the
Bank dan kerja sama dengan pihak ketiga telah Bank and in cooperation with third parties has
dilaksanakan sesuai hukum yang berlaku dengan been carried out in accordance with the prevailing
tetap mengembangkan ketentuan internal sebagai laws while continuing to develop internal
acuan lainnya; regulations;
3. mendukung dan memberikan opini/advis hukum 3. provide legal opinion/advice on activities
atas setiap aktivitas Bank, termasuk mengelola conducted by the Bank, including managing
kemitraan notaris dan advokat; dan partnerships between notaries and advocates; and
4. menerapkan strategi manajemen risiko pada 4. implement risk management strategy in each
setiap kasus fraud yang terjadi, termasuk secara fraud case and develop anti-fraud awareness
berkelanjutan mengembangkan program anti- programs.
fraud awareness.
Integrated Risk 1. Membangun, mengelola, dan memastikan 1. Develop, manage, and ensure that the
Management implementasi tata kelola risiko terlaksana sesuai implementation of risk governance is carried
yang ditetapkan, dalam bentuk pengembangan, out in the appropriate manner. This includes
pemeliharaan, dan evaluasi risk appetite dan developing, maintaining, and evaluating the Bank’s
fungsi pengawasan oleh komite eksekutif level risk appetite and ensuring that the supervisory
Direksi dan Dewan Komisaris dilaksanakan sesuai function performed by the executive committee
ketentuan; at the level of the Board of Directors and the
Board of Commissioners is carried out in line with
provisions;
2. mengembangkan, memelihara, dan mengevaluasi 2. develop, maintain, and evaluate the risk
kerangka manajemen risiko dalam bentuk strategi management framework to ensure that the Bank
manajemen risiko, kelengkapan perangkat has an appropriate risk management strategy and
manajemen risiko dan ketentuan terkait risk management tools;
manajemen risiko sebagai arah pengelolaan risiko
Bank;
3. mengembangkan dan mengevaluasi metodologi 3. develop and evaluate integrated risk management
dan proses manajemen risiko secara terintegrasi methodologies and processes as well as capital
serta alokasi modal sehingga terjaga dalam risk allocation to stay within the established risk
tolerance yang ditetapkan; tolerance level;
4. mengembangkan kerangka dan metodologi 4. develop a framework and methodology for
penilaian profil risiko, tingkat kesehatan bank, dan assessing risk profiles and bank soundness levels;
laporan lainnya kepada regulator; dan and
5. membangun kompetensi risiko secara bank-wide. 5. build risk competence on a bank-wide basis.
FOKUS MANAJEMEN RISIKO TAHUN 2021 FOCUS OF RISK MANAGEMENT IN 2021

Pada tahun 2021, manajemen risiko dilakukan untuk In 2021, risk management supported the Bank’s objectives,
mendukung tujuan perusahaan, yaitu: including:
1. Penguatan Modal, dengan memberikan kontribusi 1. Strengthening of Capital by contributing and supporting
dan dukungan pada proses penyelesaian pembiayaan the process of resolving non-performing loans and the
bermasalah dan proses penambahan modal. process of increasing capital.
2. Business Turnaround untuk mendukung pertumbuhan 2. Business Turnaround to support business growth
bisnis dan meningkatkan profitabilitas dari sisi and increase profitability in terms of financing, funding
pembiayaan, funding dan fee based income. Kontribusi dan and fee-based income. The contributions and support
dukungan yang diberikan antara lain adalah melakukan provided included conducting risk assessments related

2021 Annual Report
asesmen dari sisi risiko terkait dengan pengembangan to the development and upgrades of products and
dan pembaharuan produk dan layanan yang diberikan services.
kepada nasabah.
3. Perbaikan Portofolio Pembiayaan yang tumbuh 3. Improvement of the Financing Portfolio as well as
berkualitas dan proaktif serta percepatan penyelesaian the acceleration of the settlement of non-performing
pembiayaan bermasalah. Kontribusi dan dukungan yang loans. The contributions and support provided included
diberikan antara lain adalah menjaga arah dan target maintaining the direction and targets of the Bank’s
bisnis pembiayaan Bank pada level risiko yang dapat financing business at an acceptable risk level, and
diterima, dan mendukung percepatan penyelesaian supporting the acceleration of the settlement of non-
pembiayaan bermasalah. performing loans;
4. Transformasi Digital dan Bank-wide melalui digital 4. Digital Bank-wide Transformation through digital
banking, transformasi secara bank-wide dan smart & banking, bank-wide transformation and smart &
excellent operation. Kontribusi dan dukungan yang excellent operation. The contributions and support
diberikan antara lain adalah mendukung pengembangan provided includes supporting the development of digital
produk digital dan melakukan transformasi dari sisi products and carrying out operational transformations
operasional sehingga mendukung program efisiensi to support the bank’s efficiency programs.
yang dicanangkan secara bank-wide.
Unit kerja manajemen risiko melakukan beberapa inisiatif The risk management unit conducts a number of
perbaikan terus menerus dengan antara lain: improvement initiatives, including:
1. Mengembangkan dan memperbaharui kerangka 1. Developing and updating the risk management
manajemen risiko dalam bentuk antara lain: framework in the form of:
a. Ketentuan internal yang dikaji secara berkala; a. Regularly reviewed Internal provisions;
b. limit terkait dengan risiko yang dikaji secara berkala b. limits related to risks that are regularly reviewed
sesuai dengan kebutuhan bisnis; dan according to business needs; and
c. kecukupan sumber daya manusia untuk melakukan c. adequacy of human resources to carry out the risk
proses manajemen risiko. management process.
2. Proses manajemen risiko yang meliputi identifikasi, 2. Risk management that includes identification,
pengukuran, pemantauan dan pengendalian untuk measurement, monitoring and control of all types of risk;
semua jenis risiko.
3. Sistem pengendalian internal, dengan melakukan kaji 3. Internal control by reviewing parameters, risk acceptance
ulang atas parameter, risk acceptance criteria (RAC), criteria (RAC), product provisions and Bank activities.
ketentuan produk dan aktivitas Bank yang dilakukan
secara berkala.
PENERAPAN MANAJEMEN RISIKO RISK MANAGEMENT IMPLEMENTATION
Tata Kelola Manajemen Risiko Risk Management Governance

Fokus tanggung jawab pelaksanaan manajemen risiko The responsibility for the implementation of risk
di BMI tidak hanya pada satu unit, akan tetapi menjadi management at BMI lies not only with one business unit,
tanggung jawab bersama seluruh manajemen dan karyawan but is shared among the management and employees. Risk
Bank. Kesadaran terhadap risiko senantiasa ditanamkan di awareness is instilled at every level of the organization and
setiap jenjang organisasi dan merupakan bagian yang tidak is an integral part of the Bank’s culture. Risk management is
terpisahkan dari budaya Bank. Pelaksanaan manajemen implemented in accordance with the concept of the Three
risiko dilakukan sesuai dengan konsep Tiga Lini Pertahanan Lines of Defense.
manajemen risiko.
Direksi dan Dewan Komisaris serta komite yang dibentuk The Board of Directors and the Board of Commissioners,
pada level Direksi dan Dewan Komisaris, serta Dewan the committees established at the level of the Board of
Pengawas Syariah telah menjalankan peran aktif dalam Directors and the Board of Commissioners, as well as the
memperkuat tata kelola manajemen risiko melalui rapat Sharia Supervisory Board have been playing an active role
dan diskusi yang dilakukan berkala. Hal-hal yang dibahas in strengthening risk management governance through
dalam rapat adalah terkait dengan perkembangan kinerja regular meetings and discussions. The matters discussed
Bank, termasuk pengelolaan risiko yang dihadapi Bank, in the meetings are related to the development of the

perumusan tingkat risiko yang akan diambil (risk appetite) Bank’s performance, including the management of risk,
dan toleransi risiko (risk tolerance). the establishment of the risk level (risk appetite) and risk
tolerance.
Pada tingkat Direksi, terdapat komite yang mendukung The committees that support the supervision of the
pengawasan implementasi manajemen risiko yaitu: Risk implementation of risk management at the Board of
Management Committee (RMC), IT Steering Committee (ITSC), Directors level include: Risk Management Committee
dan Asset and Liability Committee (ALCO) yang melaksanakan (RMC), IT Steering Committee (ITSC), and Asset and Liability
rapat sesuai dengan piagam masing-masing komite. Committee (ALCO).
Sementara itu, Dewan Komisaris juga telah memiliki komite Meanwhile, the Board of Commissioners also has its
yang lengkap, yaitu: Audit Committee, Risk Oversight Committee committees, namely the Audit Committee, the Risk Oversight
(ROC), Good Corporate Governance (GCG) Committee dan Committee (ROC), the Good Corporate Governance (GCG)
Nomination & Remuneration Committee. Committee and the Nomination & Remuneration Committee.
Pengawasan Aktif Direksi, Dewan Komisaris dan Dewan Active Supervision of the Board of Directors, the Board
Pengawas Syariah of Commissioners and the Sharia Supervisory Board
DEWAN KOMISARIS BOARD OF COMMISSIONERS
Berikut adalah uraian tugas dan tanggung jawab serta pelaksanaan The following is a description of the duties and responsibilities, as
pengawasan aktif terhadap pelaksanaan manajemen risiko dari well as active supervision of the implementation of risk management,
Dewan Komisaris pada tahun buku. of the Board of Commissioners during the fiscal year.
Tugas dan Tanggung Jawab Pelaksanaan Pengawasan Aktif Duties and Responsibilities Implementation of Active
Monitoring
1. Menyetujui dan mengevaluasi 1. Memberikan evaluasi dan 1. Approve and evaluate Bank’s 1. Provide evaluation and
kebijakan Bank yang harus persetujuan atas Kebijakan policies which must obtain approval of the Remuneration
mendapatkan persetujuan Remunerasi dan Kebijakan approval from the Board of Policy and General Accounting
dari Dewan Komisaris secara Umum Akuntansi. Commissioners on a regular Policy.
berkala. basis
2. Mengevaluasi 2. Mengevaluasi pelaksanaan 2. Evaluate the Board of 2. Evaluate the implementation of
pertanggungjawaban Direksi kebijakan umum manajemen Directors’ implementation the general risk management
atas pelaksanaan kebijakan risiko melalui rapat ROC, yang of the Bank’s general risk policies through ROC meetings,
umum manajemen risiko dan telah dilaksanakan sebanyak 8 management policies and risk which had been held 8 (eight)
strategi manajemen risiko (delapan) kali di tahun 2021. management strategies. times in 2021.
Bank.
3. Mengevaluasi implementasi 3. Mengevaluasi implementasi 3. Evaluate the implementation 3. Evaluate the implementation of
kebijakan umum manajemen manajemen risiko secara of the Bank’s general risk risk management on a regular
risiko Bank secara teratur berkala yang dilakukan antara management policies to basis through:
untuk meyakinkan bahwa lain melalui: ensure that the process a. Bank Business Plan (BBP)
proses tersebut sudah a. Rencana Bisnis Bank (RBB) has met the requirements prior to submission to the
memenuhi persyaratan sebelum disampaikan kepada of the Bank’s operational Financial Services Authority
pelaksanaan operasional Otoritas Jasa Keuangan (OJK); implementation. (FSA);
Bank secara baik. b. strategi manajemen risiko b. risk management strategy
terkait progres penyelesaian related to the progress
pembiayaan bermasalah, of non-performing loans,
penetapan target market, target market determination,
fokus bisnis, operasional business focus, Bank
Bank dalam kondisi pandemi operations during the
COVID-19, kondisi likuiditas, COVID-19 pandemic, liquidity
aktivitas pengelolaan risiko conditions, risk management
dan kepatuhan, serta kondisi and compliance activities, as
eksternal yang mungkin well as external conditions
berdampak pada kegiatan that may have an impact
usaha Bank; dan on the Bank’s business
c. pencapaian finansial dan non activities; and
finansial Bank. c. the Bank’s financial and non-
financial achievements.
4. Memberikan opini/ 4. Memberikan arahan dan 4. Provide opinions/ 4. Provide direction and
rekomendasi kepada Direksi masukan yang terkait dengan recommendations to the input related to the Bank’s
terkait dengan kegiatan aktivitas Bank melalui rapat Board of Directors related activities through the Board
transaksi/pembiayaan/ Dewan Komisaris-Direksi dan to transaction/financing/ of Commissioners and the
operasional atau aktivitas rapat ROC, yang terkait dengan operational activities. Board of Directors’ meetings
tertentu yang memerlukan aktivitas operasional dan bisnis and ROC meetings, which are
opini/rekomendasi dari yang dijalankan Bank, serta related to operational and
Dewan Komisaris. pengelolaan risikonya, termasuk business activities carried out
pelaksanaan program, aktivitas, by the Bank, as well as risk
dan beberapa proyek inisiatif management, including the
yang telah dilakukan. implementation of programs,
activities, and several projects.

2021 Annual Report
DIREKSI BOARD OF DIRECTORS

Direksi telah melaksanakan fungsi manajemen risiko pada tahun The Board of Directors has implemented its risk management
buku. Berikut adalah uraiannya serta tugas dan tanggung jawabnya. function during the fiscal year. The following is a description of its
duties and responsibilities.
Monitoring
1. Menyusun kebijakan 1. Memastikan bahwa ketentuan 1. Develop written and 1. Ensure that the Bank’s
dan strategi manajemen dan strategi Bank telah comprehensive risk provisions and strategies are
risiko secara tertulis dan disusun dan atau diperbaharui management policies and regularly updated including
komprehensif. secara berkala, dalam bentuk strategies. BBP, and Bank’s policies and
antara lain RBB, kebijakan procedures in relation to risk
dan prosedur Bank yang management.
disusun untuk memastikan
proses manajemen risiko telah
dilakukan serta perangkat
mananajemen risiko telah
tersedia.
2. Bertanggung jawab atas 2. Sebagai bentuk penerapan 2. Be responsible for the 2. The Directors have taken
pelaksanaan kebijakan umum pelaksanaan manajemen implementation of the Bank’s a number of measures to
manajemen risiko Bank risiko, beberapa hal yang telah general risk management implement risk management:
dan eksposur risiko yang dilakukan: policies and overall risk
diambil oleh Bank secara a. Memastikan dilakukannya exposure. a. Determining risk
keseluruhan. proses manajemen risiko management strategies,
dalam bentuk antara identifying risks inherent
lain penetapan strategi in the Bank’s products
manajemen risiko, identifikasi and activities, establishing
risiko yang melekat pada risk limits, performing risk
produk dan aktivitas Bank, monitoring, and performing
penetapan limit risiko, stress tests and risk studies.
pemantauan risiko, kajian
stress test dan risiko.
b. Memastikan bahwa b. Ensure that the risk
proses manajemen risiko management process is well
yang dilakukan telah documented.
didokumentasikan dengan
baik.
c. Melakukan penginian c. Update a number of
beberapa ketentuan internal internal policies, including
sesuai dengan hierarki procedures, product
ketentuan internal Bank, manuals, Circulars (SE) of the
yaitu dalam bentuk kebijakan, Board of Directors, as well as
prosedur, manual produk, Technical Instructions.
Surat Edaran (SE) Direksi,
maupun Petunjuk Teknis.
3. Mengevaluasi dan 3. Mengevaluasi dan memutuskan 3. Determine and evaluate the 3. Evaluate and decide on
memutuskan transaksi yang transaksi yang memerlukan transactions that exceed transactions that require
melampaui kewenangan persetujuan Direksi sesuai the authority of officers one Board of Director’s approval
pejabat satu tingkat di dengan limit kewenangan yang level below the Board of in accordance with the limits
bawah level Direksi atau ditetapkan berjenjang dan dikaji Directors or transactions that of authority set in stages and
transaksi yang memerlukan secara berkala. require the approval of the reviewed regularly
persetujuan Direksi sesuai Board of Directors under the
ketentuan internal yang applicable internal policies.
berlaku.
4. Meminta opini/rekomendasi 4. Melakukan komunikasi dan 4. Request opinions/ 4. Communicate and/or
kepada Dewan Komisaris atau diskusi dengan Dewan recommendations from the discuss with the Board of
terkait dengan kegiatan Komisaris terkait dengan Board of Commissioners Commissioners all activities
transaksi/pembiayaan/ aktivitas yang memerlukan regarding transaction/ that require the opinion/
operasional atau aktivitas opini/rekomendasi Dewan financing/operational recommendation of the Board
tertentu yang memerlukan Komisaris. Hal ini dilakukan activities. of Commissioners. This is
opini/rekomendasi dari secara tertulis atau pun melalui conducted in writing or through
Dewan Komisaris. rapat berkala. regular meetings.
5. Mengembangkan budaya 5. Mengembangkan dan 5. Develop risk management 5. Develop and encourage the
manajemen risiko pada mendorong penerapan budaya culture at all levels of the implementation of risk culture
seluruh jenjang organisasi. risiko di seluruh level karyawan, organization. at all employee levels by
dengan melaksanakan program implementing risk awareness
risk awareness melalui video, programs through videos,
e-mail blast, dan pelatihan/ e-mail blasts and training.
training terkait manajemen
risiko.
6. Memastikan peningkatan 6. Memastikan dilaksanakannya 6. Ensure the improvement 6. Ensure the implementation
kompetensi sumber daya program untuk meningkatkan of human resource of programs to improve
manusia yang terkait dengan kompetensi sumber daya competencies related to risk the competence of human
manajemen risiko. manusia terkait manajemen management. resources related to online
risiko secara online melalui risk management through the
pelaksanaan Muamalat Internal implementation of Muamalat
Certification (MIC) dan program Internal Certification (MIC) and
refreshment melalui MHP desktop refreshment programs via MHP
dan MHP mobile. desktop and MHP mobile.

7. Memastikan bahwa 7. Menetapkan unit kerja 7. Ensure that the risk 7. Establish a risk management
fungsi manajemen risiko manajemen risiko pada second management function is unit in the second line of
telah beroperasi secara line of defense berada di bawah operated independently. defense under the supervision
independen. supervisi Compliance, Risk & of the Compliance, Risk & Legal
Legal Director yang terpisah dari Director that is separated from
unit kerja di first line of defense the business units in the first
dan third line of defense, serta line of defense and third line
menetapkan unit kerja financing of defense, and establish a
risk berada di bawah supervisi financing risk unit under the
Financing Director sebagai first supervision of the Financing
line of defense. Director as the first line of
defense.
8. Melaksanakan kaji ulang 8. Secara berkelanjutan, 8. Conduct periodic reviews to 8. The continuing development of
secara berkala untuk mengembangkan perangkat ensure: risk management framework
memastikan: manajemen risiko, dalam in the form of internal policies
a. Keakuratan metodologi bentuk ketentuan internal, a. The accuracy of the risk as well as risk management
penilaian risiko; tools proses manajemen risiko, assessment methodology; process tools, to be
b. Kecukupan implementasi yang diimplementasikan pada b. Adequacy of risk implemented in all business
sistem informasi seluruh aktivitas bisnis maupun management information and operational activities
manajemen risiko; operasional yang dijalankan system implementation; undertaken at all levels of the
c. Ketepatan kebijakan, oleh seluruh lini perusahaan. c. Accuracy of policies, organization.
prosedur dan penetapan procedures and decisions
limit risiko. about risk limits.
d. Menetapkan kebijakan d. Establishment of follow up
untuk menindaklanjuti policies of external and/or
temuan audit eksternal internal audit findings; and
dan/atau internal; dan
e. Membentuk komite yang e. Establishment of
bertanggung jawab untuk a committee that
mengimplementasikan is responsible for
strategi pengelolaan risiko. implementing the Bank’s
risk management strategy.
9. Menyetujui perhitungan 9. Memastikan bahwa rasio 9. Approve of the internal 9. Ensure that the Capital
internal kecukupan modal Kewajiban Penyediaan Modal calculation of capital Adequacy Ratio (CAR) is
sesuai dengan profil risiko Minimum (KPMM) terjaga sesuai adequacy in accordance with maintained in accordance with
Bank. profil risiko Bank. the Bank’s risk profile. the Bank’s risk profile.
DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD
Berikut adalah uraian tugas dan tanggung jawab serta pelaksanaan The following is a description of the duties and responsibilities, as
pengawasan aktif dalam melaksanakan fungsi manajemen risiko dari well as the active supervision of the Sharia Supervisory Board, in
Dewan Pengawas Syariah pada tahun buku. relation to the risk management function during the fiscal year.
Monitoring
1. Melakukan evaluasi (review) 1. Memastikan produk dan 1. Review the Bank’s general risk 1. Ensure that the Bank’s products
atas kebijakan umum aktivitas Bank telah sesuai management policies related and activities are in line with
manajemen risiko Bank yang dengan prinsip syariah. to the adoption of sharia sharia principles.
terkait dengan pemenuhan principles.
prinsip syariah.
2. Mengevaluasi 2. Mengevaluasi pelaksanaan 2. Evaluate the accountability of 2. Evaluate the implementation

pertanggungjawaban Direksi kebijakan umum manajemen the Board of Directors for the of general risk management
atas pelaksanaa pelaksanaan risiko yang terkait dengan implementation of general policies related to sharia
kebijakan umum manajemen prinsip syariah dilakukan risk management policies principles by conducting
risiko yang terkait dengan melalui antara lain rapat related to the fulfillment of regular Sharia Supervisory
pemenuhan prinsip syariah. Dewan Pengawas Syariah yang sharia principles. Board meetings and preparing
dilakukan berkala dan laporan periodic reports on the
berkala atas uji petik Dewan Sharia Supervisory Board’s
Pengawas Syariah sebagai saran suggestions for improvements
perbaikan dan masukan kepada for the Board of Directors.
Direksi.
3. Memberikan nasihat dan 3. Memberikan nasihat dan saran 3. Provide advice and 3. Provide advice and suggestions
saran kepada Direksi dan kepada Direksi dan manajemen recommendations to the to the Board of Directors and
manajemen bisnis syariah bisnis syariah terkait prinsip Board of Directors and sharia business management
mengenai hal-hal terkait syariah yang dijalankan oleh sharia business management regarding the implementation
dengan prinsip syariah. Bank yang disampaikan antara regarding matters related to of sharia principles by the Bank
lain melalui rapat Dewan sharia principles. through meetings of the Sharia
Pengawas Syariah. Supervisory Board.
4. Mengawasi pemenuhan 4. Mengawasi pemenuhan prinsip 4. Supervise the adoption of 4. Supervise the adoption of
prinsip syariah atas produk, syariah atas produk, aktivitas sharia principles in the Bank’s sharia principles in the Bank’s
aktivitas, kebijakan dan dan kebijakan serta prosedur products, activities, policies products, activities, policies and
prosedur Bank, agar sesuai Bank agar sejalan dengan fatwa and procedures in order procedures to align them with
dengan fatwa Dewan Syariah yang dikeluarkan oleh Dewan to comply with the fatwa the fatwa issued by the fatwa of
Nasional-Majelis Ulama Syariah Nasional-Majelis Ulama of Dewan Sharia Nasional- Dewan Sharia Nasional - Majelis
Indonesia. Indonesia. Fungsi ini dilakukan Majelis Ulama Indonesia. Ulama Indonesia. This is done
antara lain melalui laporan by preparing periodic reports
berkala yang disampaikan for the Sharia Supervisory
kepada Dewan Pengawas Board.
Syariah.

2021 Annual Report
KECUKUPAN KEBIJAKAN DAN PROSEDUR ADEQUACY OF RISK MANAGEMENT

MANAJEMEN RISIKO SERTA PENETAPAN POLICIES AND PROCEDURES AND THE
LIMIT RISIKO ESTABLISHMENT OF RISK LIMITS
Dalam rangka mendukung penerapan manajemen risiko In order to support the implementation of adequate risk
dan pengendalian internal yang memadai, Bank telah management and internal control, the Bank maintains a
memiliki struktur organisasi yang layak, antara lain melalui set organizational structure through the establishment of
pembentukan unit kerja Internal Audit, dan Satuan Kerja the Internal Audit Unit, and Risk Management Unit (SKMR).
Manajemen Risiko (SKMR). Bank memastikan bahwa The Bank ensures that the policies and procedures related
kebijakan dan prosedur terkait manajemen risiko serta to risk management and the determination of risk limits are
penetapan limit risiko telah memadai, sebagaimana adequate, as described below.
penjelasan di bawah ini.
Kebijakan dan Prosedur Policies and Procedures

BMI telah menyusun kebijakan pengelolaan risiko dalam BMI has developed an internal risk management policies,
ketentuan internal Bank dan diimplementasikan dalam which is implemented in the Bank’s Business Plan, in
Rencana Bisnis Bank sesuai dengan strategi bisnis, kecukupan accordance with its business strategy, capital adequacy,
permodalan, kemampuan sumber daya manusia dan risk human resource capability and risk appetite. The
appetite. Pencapaian atas kebijakan tersebut dikaji ulang implementation of these policies is regularly reviewed and
secara berkala dan disempurnakan sesuai perkembangan refined to ensure that they are in line with all internal and
yang terjadi, baik internal maupun eksternal. external developments.
Dengan memperhatikan karakteristik dan kompleksitas By taking into account the characteristics and complexity
kegiatan bisnis, tingkat risiko yang akan diambil dan toleransi of its business activities, the accepted risk level and risk
risiko, profil risiko serta ketentuan regulator yang berlaku, tolerance, risk profile and applicable regulatory provisions,
Bank telah memiliki kebijakan dan prosedur serta limit yang the Bank has established and implemented policies and
dibangun dan diimplementasikan. procedures, as well as limits.
Kebijakan dan prosedur disusun dengan berpedoman pada The Bank’s Policies and procedures are based on its internal
hierarki ketentuan internal Bank yang diatur sebagai berikut: regulations, which are governed as follows:
1. Kebijakan Umum. 1. Public policy.
2. Prosedur/Manual Produk dan Surat Edaran Direksi. 2. Procedures/Product Manuals and Board of Directors
Circular Letter.
3. Petunjuk Teknis. 3. Technical Instructions.
Landasan penyusunan ketentuan internal Bank sebagaimana The basis for the Bank’s internal regulations include General
hierarki ketentuan internal di atas adalah Kebijakan Umum Risk Management Policy, Internal Control System Policy,
Manajemen Risiko, Kebijakan Sistem Pengedalian Internal, good corporate governance, code of conduct and corporate
tata kelola perusahaan yang baik, kode etik dan budaya culture. The Bank’s policies and procedures are periodically
Bank. Kebijakan dan prosedur Bank secara berkala ditinjau reviewed and updated with the approval of the Board of
dan diperbarui dengan persetujuan dari Direksi dan atau Directors and/or other appointed officers.
pejabat yang ditunjuk yang diatur berjenjang.
Limit Risiko Risk Limit

Dalam menetapkan limit risiko, Bank menyesuaikannya The Bank risk limit is based on the acceptable risk level,
dengan tingkat risiko yang akan diambil, toleransi risiko, dan risk tolerance, and the Bank’s overall strategy. It takes into
strategi Bank secara keseluruhan. Hal tersebut dilaksanakan account the ability of the Bank’s capital to absorb the risk
dengan tetap memperhatikan kemampuan modal Bank exposure or losses incurred, the prior year’s losses, the
untuk dapat menyerap eksposur risiko atau kerugian yang capacity of human resources, and compliance with all
timbul, histori kerugian di masa lalu, kemampuan sumber applicable internal and external regulations. These limits
daya manusia, dan kepatuhan terhadap ketentuan internal are communicated to all relevant parties so as to achieve a
dan eksternal yang berlaku. Limit tersebut dikomunikasikan common understanding. The limits are based on all aspects

dengan baik kepada setiap pihak yang terkait agar dapat related to risk, which include overall limits, limits per risk,
dipahami secara bersama-sama. Penetapan limit dilakukan and limits per business activity with risk exposure.
secara komprehensif atas seluruh aspek yang terkait dengan
risiko, yang mencakup limit secara keseluruhan, limit per
risiko, dan limit per aktivitas bisnis Bank yang memiliki
eksposur risiko.
Limit risiko yang ditetapkan oleh Direksi diimplementasikan The risk limits established by the Board of Directors are a
sebagai bagian dari pemantauan dan pengendalian risiko part of the Bank’s risk monitoring and control. To ensure
Bank. Untuk memastikan bahwa limit risiko yang diterapkan that the risk limits are made in accordance with the Bank’s
masih sesuai dengan risk appetite Bank dan perubahan risk appetite and changes in the business environment, the
lingkungan bisnis, maka Bank memastikan dilakukannya Bank carries out regular risk limit reviews in accordance with
proses kaji ulang atas limit risiko secara berkala, sesuai applicable Bank procedures.
dengan prosedur Bank yang berlaku.
KECUKUPAN PROSES IDENTIFIKASI, ADEQUACY OF RISK IDENTIFICATION,

PENGUKURAN, PEMANTAUAN, DAN MEASUREMENT, MONITORING AND
PENGENDALIAN RISIKO SERTA SISTEM CONTROL AND THE RISK MANAGEMENT
INFORMASI MANAJEMEN RISIKO INFORMATION SYSTEM
Proses Manajemen Risiko Risk Management Process

Proses manajemen risiko yang baik bertujuan untuk The bank’s risk management process is aimed at managing
mengelola risiko yang melekat pada aktivitas perusahaan the inherent risks in the Bank’s activities with the purpose of
dengan maksud memberikan nilai tambah yang providing maximum added value. The BMI risk management
berkelanjutan secara maksimal terhadap keseluruhan process is as follows:
aktivitas. Proses manajemen risiko BMI digambarkan
sebagai berikut:
Identifikasi Risiko Pengukuran Risiko Pemantauan Risiko Pengendalian Risiko

Risk Identification Risk Measurement Risk Monitoring Risk Control
1. Identifikasi Risiko bertujuan untuk mengetahui seluruh 1. Risk Identification aims to identify all types of risk
jenis risiko yang melekat pada setiap produk, aktivitas inherent in each product, service and functional activity
layanan dan aktivitas fungsional yang berpotensi that could have a detrimental impact on the Bank.
merugikan Bank.
2. Pengukuran Risiko bertujuan untuk mengetahui 2. Risk Measurement aims to determine the amount
besaran risiko yang melekat pada aktivitas Bank untuk of risk inherent in the Bank’s activities so that it can be
dibandingkan dengan risk appetite Bank sehingga compared with the Bank’s risk appetite. This allows the
Bank dapat mengambil tindakan mitigasi risiko, dan Bank to take risk mitigation actions, and set aside capital
menentukan modal untuk meng-cover residual risiko. to cover the residual risk.
3. Pemantauan Risiko dilakukan dengan membandingkan 3. Risk Monitoring is conducted by comparing the risk
limit risiko dengan eksposur risiko yang dihadapi. limit with the risk exposure.
4. Pengendalian Risiko sebagai bentuk pelaksanaan 4. Risk Control is the action that mitigates the existing
mitigasi atas potensi risiko yang ada. risks.
Sistem Informasi Manajemen Risiko Risk Management Information System

Sistem informasi manajemen risiko yang dimiliki oleh Bank The bank’s risk management information system takes the
antara lain diwujudkan dalam bentuk laporan internal Bank, form of internal Bank Reports, Risk Profile Reports, Risk based
Laporan Profil Risiko, Laporan Tingkat Kesehatan Bank Bank Rating, Minimum Capital Adequacy Reports according

2021 Annual Report
berbasis Risiko, Laporan Penyediaan Modal Minimum sesuai to Risk Profiles, Financing Portfolio Reports at bank-wide
Profil Risiko, Laporan Portofolio Pembiayaan secara bank- level and per business segment, Operational Risk Reports,
wide dan per segmen bisnis, Laporan Risiko Operasional, and Liquidity Key Risk Indicators (LKRI). These reports also
Liquidity Key Risk Indicator (LKRI) untuk risiko likuiditas, serve as supporting sources for the management’s decision
dan laporan-laporan lainnya. Laporan-laporan tersebut making process.
dapat dijadikan sebagai sumber yang mendukung untuk
pengambilan keputusan oleh manajemen
SISTEM PENGENDALIAN INTERNAL YANG COMPREHENSIVE INTERNAL CONTROL

MENYELURUH SYSTEM
Kebijakan sistem pengendalian internal yang dimiliki oleh The Bank’s internal control system policies govern control
Bank mencakup antara lain control environment, event environment, event identification, risk assessment, risk
identification, risk assessment, risk response, control activities, response, control activities, accounting, and information and
accounting, information & communication system. communication system.
Implementasi sistem pengendalian internal dilakukan The internal control system is implemented in each business
melekat pada masing-masing unit kerja yang merupakan unit that makes up the first line of defense when it comes
lini pertahanan pertama manajemen risiko. Pelaksanaan to risk management. The implementation of the internal
sistem pengendalian internal didukung oleh ketentuan dan control system is supported by the provisions and framework
kerangka yang dikembangkan oleh fungsi lini pertahanan developed by the second line of defense. The adequacy and
kedua manajemen risiko. Kecukupan dan efektivitas sistem effectiveness of the internal control system are reviewed
pengendalian internal dikaji ulang secara berkala oleh unit regularly by the internal audit unit, which is the third line of
kerja audit internal yang merupakan lini pertahanan ketiga defense when it comes to risk management.
manajemen risiko.
Selama tahun 2021, peran dan efektivitas unit kerja audit During 2021, the role and effectiveness of the internal audit
internal untuk memberikan nilai tambah bagi proses bisnis unit included the following:
dan operasional di antaranya:
1. Merencanakan audit berbasis risiko yang selaras dengan 1. Planning a risk-based audit that aligns with the Bank’s
strategi, tujuan, dan fokus risiko Bank; strategy, objectives, and risk focus;
2. menerapkan pendekatan audit tematik untuk 2. applying a thematic audit approach to help identify
mendorong peningkatan efektivitas terhadap identifikasi any improvement requirements in the area of risk
kebutuhan perbaikan pengelolaan risiko dan kontrol; management and control;
3. melakukan penugasan audit pada aktivitas bisnis dan 3. performing audits of business and operational activities
operasional pada seluruh jenjang lini perusahaan; at all levels and lines within the Bank;
4. memastikan dan memantau kelemahan internal yang 4. monitoring any internal weaknesses that have been
telah ditemukan menjadi fokus perbaikan unit kerja found to become the focus of improvement for such
untuk ditindaklanjuti; dan business unit for follow-up actions; and
5. melakukan diskusi dan pembahasan dengan unit 5. conducting discussions with SKMR and the compliance
kerja SKMR dan kepatuhan dalam upaya perbaikan units to improve the adequacy and effectiveness of
kecukupan dan efektivitas tata kelola, manajemen risiko, governance, risk management, and control.
dan pengendalian.
Unit kerja SKMR juga melakukan kaji ulang secara The SKMR unit also conducts independent reviews of the
independen atas metode, asumsi dan parameter terkait methods and parameters related to the risk associated with
dengan risiko atas pengembangan produk, prosedur, dan product development, procedures, and activities carried out
aktivitas yang dilakukan oleh unit kerja lain sebagai bentuk by other units as a form of internal control.
dari pengendalian internal.
Budaya Risiko Risk Culture

Landasan inti yang kuat diperlukan dalam penerapan The bank requires a strong core foundation to implement
manajemen risiko yang efektif pada semua lini Bank guna effective risk management at all lines within the Bank.
menanamkan prinsip kehati-hatian dan nilai-nilai penting As such, all employees must be aware of the prudential
suatu risiko kepada seluruh sumber daya manusia yang principles. Awareness of the importance of risk mitigation is

dimiliki Bank. Kesadaran akan pentingnya penerapan risiko expected to serve as a guide in each activity that involves
diharapkan dapat menjadi panduan dalam menjalankan operational risk, compliance risk, and other risks.
setiap aktivitas, baik terhadap risiko operasional, risiko
kepatuhan, dan risiko lainnya.
Pada tahun 2021, BMI secara kontinu telah menjalankan In 2021, BMI carried out various programs and initiatives
berbagai program dan inisiasi yang bertujuan untuk aimed at developing a risk culture in the business
mengembangkan budaya risiko di lingkungan kerja. environment. Several programs and initiatives that have
Beberapa program dan insiatif yang dijalankan antara lain been conducted include:
mencakup:
1. Penyampaian materi awareness melalui media video, 1. Delivery of information through videos, podcasts and
podcast dan e-mail blast kepada seluruh karyawan; e-mail blasts to all employees;
2. pelaksanaan dan pemberdayaan Operational Risk 2. implementation and empowerment of an Operational
Champion (ORION) untuk mendorong unit kerja Risk Champion (ORION) to encourage business units
melakukan proses identifikasi risiko yang melekat pada to carry out the risk identification process inherent in
semua aktivitas unit kerja dan memastikan bahwa tindak all business unit activities and ensure that follow-up
lanjut perbaikan dilakukan; improvements have been made;
3. Penyampaian sosialisasi atas ketentuan yang berlaku 3. socialization of the prevailing regulations to ensure that
untuk memastikan bahwa ketentuan dipahami oleh all relevant business units understand such regulations;
seluruh unit kerja terkait;
4. pelaksanaan sertifikasi manajemen risiko yang dilakukan 4. risk management certification based on the established
berdasarkan prioritas yang ditetapkan dan mengacu priorities and prevailing regulatory requirements;
pada ketentuan regulator yang berlaku;
5. pelaksanaan sharing session terkait dengan manajemen 5. sharing sessions related to risk management;
risiko;
6. pelaksanaan Muamalat Internal Certification (MIC) 6. implementation of Muamalat Internal Certification (MIC)
dengan topik antara lain mengenai manajemen risiko; in the area of risk management; and
dan
7. Penyampaian anti-fraud campaign melalui e-mail blast 7. delivery of an anti-fraud campaign via e-mail blasts and
dan sosialisasi. outreach.
EFEKTIVITAS SISTEM MANAJEMEN RISIKO EFFECTIVENESS OF THE RISK

MANAGEMENT SYSTEM
Dewan Komisaris dan Direksi dibantu oleh komite di bawah The Board of Commissioners and the Board of Directors,
Dewan Komisaris dan Direksi serta Dewan Pengawas assisted by committees under the Board of Commissioners
Syariah, telah melakukan evaluasi terhadap efektivitas and the Board of Directors as well as the Sharia Supervisory
sistem manajemen risiko Bank. Secara berkala komite dan Board, have evaluated the effectiveness of the Bank’s risk
Dewan Pengawas Syariah melaksanakan pertemuan untuk management system. The committtees and the Sharia
membahas dan memberikan rekomendasi kepada Dewan Supervisory Board hold periodic meetings to discuss and
Komisaris dan Direksi. provide recommendations to the Board of Commissioners
and the Board of Directors.
Evaluasi yang dilakukan atas efektivitas sistem manajemen Evaluations of the effectiveness of the risk management
risiko yang dilakukan oleh BMI meliputi: system conducted by BMI include:
1. Kecukupan kebijakan, prosedur dan penetapan limit 1. Adequacy of policies, procedures and risk limits;
risiko;
2. perkembangan eksposur risiko yang dihadapi oleh Bank; 2. development of risk exposure;
3. kecukupan proses identifikasi, pengukuran, pemantauan 3. adequacy of risk identification, measurement, monitoring
dan pengendalian risiko; dan and control processes; and
4. efektivitas sistem pengendalian internal yang 4. overall effectiveness of the internal control system.
menyeluruh.
Evaluasi atas efektivitas manajemen risiko juga dilakukan The evaluation of the effectiveness of risk management is
melalui laporan berkala yang dikirimkan kepada Dewan also conducted by providing periodic reports to the Board
Komisaris, Direksi dan Dewan Pengawas Syariah dalam of Commissioners, the Board of Directors and the Sharia

2021 Annual Report
Laporan Profil Risiko dan Laporan Tingkat Kesehatan Bank Supervisory Board in the form of Risk Profile Reports and
Berbasis Risiko. Risk based Bank Rating.
Kebijakan dan Prosedur Bank Bank Policies and Procedures

Bank melakukan review efektivitas atas kebijakan dan The effectiveness of the Bank’s policies and procedures is
prosedur Bank secara berkala oleh pemilik ketentuan regularly reviewed by the internal regulations owners in
internal berkoordinasi dengan unit kerja terkait, dengan coordination with the relevant units. These reviews take into
memperhatikan masukan dari hasil pemeriksaan unit account the audit results and the input from the internal
internal audit dan auditor eksternal untuk perbaikan proses audit unit and external auditors, with the aim of improving
dan prosedur internal Bank. Salah satu metode lainnya untuk the Bank’s internal processes and procedures. One of the
melihat efektivitas atas kebijakan dan prosedur Bank adalah other methods of ascertaining the effectiveness of the
pemeriksaan yang dilakukan oleh unit kontrol operasi yang Bank’s policies and procedures are control conducted by
secara berkala melakukan pemeriksaan secara sampling atas the operational control unit, which periodically conducts
transaksi operasional Bank. Atas kebijakan dan prosedur sampling control of the Bank’s operational transactions.
yang dipandang tidak efektif dan atau tidak relevan lagi When it comes to policies and procedures that are
berdasarkan review berkala, dilakukan penyempurnaan deemed ineffective and/or no longer relevant based on
lebih lanjut yang dilakukan oleh pemilik ketentuan. periodic reviews, the policies owners shall conduct further
improvements.
Risk Appetite Risk Appetite

Penetapan risk appetite dan risk tolerance dapat membantu The determination of the risk appetite and risk tolerance
Bank dalam rangka mencapai target bisnis yang ingin could assist the Bank in achieving its business targets. The
dicapai, dalam implementasinya bisa dilakukan secara dua determination of the Bank’s risk appetite can be made by
arah, yakni bottom up dan top down. using two methods, namely bottom up and top down.
Dalam menetapkan risk appetite dan risk tolerance, Bank In determining the risk appetite and risk tolerance, the
perlu mempertimbangkan strategi dan tujuan bisnis Bank Bank needs to consider the Bank’s strategy and business
serta kemampuan Bank dalam mengambil risiko (risk bearing objectives as well as the Bank’s risk bearing capacity. The
capacity). Risk appetite dan risk tolerance dituangkan dalam Bank’s risk appetite and risk tolerance are stated in the form
bentuk limit risiko dan threshold, yang dipantau secara of risk limits and thresholds, which are monitored regularly.
berkala untuk memastikan posisi Bank terhadap risiko yang Should there be any changes in the Bank’s internal condition
dihadapi. Apabila terjadi perubahan atas kondisi Bank dan or the external conditions, the limit can be adjusted.
atau kondisi eksternal Bank, limit dapat disesuaikan lebih
cepat sehingga selalu terbarukan dan sesuai dengan kondisi
yang dihadapi.
Stress Test Stress Test

Stress test atas risiko kredit, likuiditas, pasar dan operasional Stress tests of credit, liquidity, market and operational
dilakukan secara berkala oleh SKMR. Stress test dimaksud risks are regularly performed by SKMR. The stress tests
dilakukan untuk melihat kerentanan kondisi permodalan are conducted to identify any vulnerabilities related to the
Bank terhadap kondisi stres yang mungkin dihadapi Bank. Bank’s capital condition. The assumptions used in calculating
Asumsi yang digunakan dalam perhitungan stress test tahun the stress test for the 2021 fiscal year included:
buku 2021 antara lain:
1. Stress test atas risiko likuiditas: penarikan dana yang 1. Stress test of liquidity risk: withdrawals of funds that may
mungkin dilakukan oleh nasabah sesuai dengan be made by customers in accordance with their contracts,
kontraknya, dan juga penarikan dana dari nasabah- as well as withdrawals of funds made by customers who
nasabah yang sensitif atas kondisi atau pemberitaan are sensitive to conditions or news concerning the Bank.
atas Bank.
2. Stress test atas risiko pasar: perubahan nilai tukar 2. Stress test of market risk: changes in the exchange rate
terhadap Posisi Devisa Neto (PDN) Bank. against the Bank’s Net Open Position (NOP).
3. Stress test atas risiko kredit: kinerja nasabah pembiayaan 3. Stress testing on credit risk: the performance of debtors,
yang terdampak maupun tidak terdampak COVID-19 both those affected as well as not affected by COVID-19,
dalam kondisi pandemi COVID-19. during the COVID-19 pandemic.
4. Stress test risiko operasional: kesiapan Data Recovery 4. Stress test of operational risk: the readiness of the Data
Center (DRC) untuk menguji kerentanan atas sistem IT. Recovery Center (DRC) to test the vulnerability of the IT
system.

Pelaksanaan stress test yang dijalankan oleh Bank pada The stress tests carried out by the Bank adopt a model based
dasarnya menggunakan model yang dikembangkan dari data on the Bank’s historical data or other approaches. The results
historis Bank, atau menggunakan pendekatan lainnya. Hasil of the stress tests are reported to the Board of Directors and
stress test dilaporkan kepada Direksi dan dikoordinasikan the related units to ensure risk mitigation and follow-ups.
dengan unit terkait untuk dilakukan mitigasi dan tindak
lanjut untuk meminimalkan terjadinya kondisi terburuk.
Pernyataan atas Kecukupan Sistem The Adequacy of the Risk Management

Manajemen Risiko System
Sistem manajemen risiko merupakan sebuah proses The risk management system is an integrated process
yang terintegrasi dalam merencanakan, dan mengelola used to manage the Bank’s risk in a measurable manner.
risiko Bank secara terukur untuk mengurangi risiko yang In 2021, the Bank took the appropriate measures to ensure
berpotensi mempengaruhi kondisi Bank. Pada tahun 2021, the adequacy of its risk management system via risk
Bank telah melakukan upaya yang baik untuk memastikan management governance, study results, risk management
kecukupan sistem manajemen risiko antara lain dalam framework, internal regulations, regular review of risk
bentuk tata kelola manajemen risiko, hasil kajian, kerangka limits, and the implementation of internal control. This was
manajemen risiko, ketentuan internal, limit risiko yang dikaji supported by the Bank’s infrastructure. The reports for the
secara berkala dan pelaksanaan pengendalian internal, yang Board of Directors, the Board of Commissioners and the
didukung dengan infrastuktur yang memadai. Pelaporan Sharia Supervisory Board enable a timely decision making
kepada Direksi, Dewan Komisaris dan Dewan Pengawas process.
Syariah telah dilakukan dengan media yang tersedia
sehingga dapat diambil keputusan yang tepat waktu.
Sistem manajemen risiko telah diterapkan oleh seluruh The risk management system has been implemented at all
jajaran di Bank. Setiap unit kerja terlibat secara aktif levels of the Bank. Each business unit is actively involved
dalam mengidentifikasi risiko inheren yang dihadapi dan in identifying all inherent risks and ensuring that all
memastikan telah dilakukan kontrol atas risiko tersebut controls have been implemented to minimize them. The
sehingga dapat diminimalkan. Penerapan manajemen implementation of risk management has been strengthened
risiko diperkuat dengan adanya budaya risiko yang selalu by the existence of risk culture, which is an integrated part
ditekankan untuk dilaksanakan, sebagai bagian yang of business and operational activities at all business units
terintegrasi dalam aktivitas bisnis dan operasional di seluruh within the Bank.
unit kerja di Bank.
PENERAPAN MANAJEMEN RISIKO IMPLEMENTATION OF INTEGRATED RISK

TERINTEGRASI MANAGEMENT
Sesuai Peraturan OJK No. 45/POJK.03/2020 tentang According to the FSA Regulation No. 45/POJK.03/2020
Konglomerasi Keuangan, struktur konglomerasi keuangan concerning Financial Conglomerates, the structure of
antara BMI sebagai entitas utama dengan PT Al-Ijarah the financial conglomerate that included BMI as the
Finance (ALIF) sebagai anggota konglomerasi dinyatakan main entity and PT Al-Ijarah Finance (ALIF) as a member
bubar karena Konglomerasi Keuangan Muamalat tidak of the conglomerate was dissolved since the Muamalat
lagi memenuhi kriteria sebagai Konglomerasi Keuangan. Financial Conglomerate no longer met the criteria of a
Pembubaran ini dinyatakan berlaku dimulai tahun 2021. Financial Conglomerate. The dissolution took place in 2021.
Meskipun demikian, pemantauan perkembangan grup Nevertheless, the monitoring of the BMI financial group is
keuangan BMI tetap dilakukan melalui penyampaian tertulis still conducted through periodic written reports to the FSA.
kepada OJK secara berkala.
EKSPOSUR PERMODALAN DAN RISIKO CAPITAL EXPOSURE AND RISK

PENGUNGKAPAN PERMODALAN DISCLOSURE
A. Struktur Permodalan A. Capital Structure

BMI fokus pada pengelolaan struktur permodalan yang BMI focuses on ensuring a healthy capital structure to
sehat untuk menyerap risiko serta memenuhi ketentuan absorb risks and to comply with capital requirements
permodalan sesuai dengan peraturan yang berlaku. Hal in accordance with the prevailing regulations. This also
tersebut juga ditujukan untuk mendukung pertumbuhan intends to support healthy business growth.
bisnis yang sehat.

2021 Annual Report
Untuk mewujudkan hal tersebut, Bank senantiasa To achieve this, the Bank strives to maximize its potential,
berupaya agar dapat memaksimalkan segala potensi particularly its existing capital. Various initiatives to
yang dimiliki, utamanya modal yang telah ada. Beragam maximize capital have been made by the Bank. One
inisiatif memaksimalkan permodalan telah dilakukan of these has been making improvements to the Bank’s
Bank antara lain dengan melakukan perbaikan pada financing structure to minimize existing risk factors.
struktur pembiayaan yang sangat memperhatikan faktor
risiko yang ada.
Selain itu, pada tahun 2021, Bank juga terus melakukan In addition, in 2021, the Bank also continued to strengthen
upaya untuk memperkuat modal, di antaranya its capital, including Capital Increase, by issuing Pre-
Penambahan Modal dengan Memberikan Hak Memesan emptive Rights VI (PMHMETD VI) of Bank Muamalat
Efek Terlebih Dahulu VI (PMHMETD VI) Bank Muamalat Indonesia in 2021 with a maximum of 39,810,039,107
Indonesia Tahun 2021 dengan menerbitkan sebanyak- (thirty-nine billion eight hundred ten million thirty-nine
banyaknya 39.810.039.107 (tiga puluh sembilan miliar thousand one hundred seven) new shares.
delapan ratus sepuluh juta tiga puluh sembilan ribu
seratus tujuh) saham baru.
Detail terkait struktur permodalan Bank per 31 Desember Details regarding the Bank’s capital structure as of
2021 dapat dilihat pada tabel Struktur Permodalan Bank December 31, 2021 are available in the table on Bank
Muamalat Indonesia dalam Laporan Tahunan ini. Muamalat Indonesia’s Capital Structure in this Annual
Report.
B. Kecukupan Permodalan B. Adequacy of Capital

Sejalan dengan perkembangan dunia usaha yang The current developments in the business world,
dibayangi dengan ketidakpastian maka potensi risiko which have been overshadowed by uncertainty, mean
akan semakin besar. Mengacu pada hal tersebut, that the potential risks will be even greater. As such,
perhitungan kecukupan modal tidak hanya bertujuan the calculation of capital adequacy is not only aimed
untuk menyerap potensi kerugian yang timbul dari at absorbing potential losses arising from the Bank’s
profil risiko umum yang dihadapi Bank, namun juga dari general risk profile, but also from other material risks
risiko lain yang material sehingga perlu terus dilakukan that need to be continuously adjusted.
penyesuaian.
Mengantisipasi kemungkinan-kemungkinan tersebut, Anticipating these possibilities, BMI maintains its capital
BMI senantiasa menjaga kecukupan modal Bank untuk adequacy to cover credit risk, market risk and operational
dapat menutupi risiko kredit, risiko pasar dan risiko risk as reflected in the Capital Adequacy Requirements
operasional yang tercermin dari Kewajiban Penyediaan (CAR).
Modal Mininum (KPMM).
Per 31 Desember 2021, Rasio Kecukupan Modal Bank As of December 31, 2021, the Bank’s Capital Adequacy
mencapai 23,76%, meningkat jika dibandingkan dengan Ratio reached 23.76%, which increases from 15.21% in
Rasio Kecukupan Modal tahun 2020 sebesar 15,21%. 2020. This percentage has met the Financial Services
Capaian tersebut telah memenuhi Peraturan Otoritas Authority Regulation No. 21/POJK.03/2014 concerning
Jasa Keuangan No. 21/POJK.03/2014 tentang Kewajiban Minimum Capital Adequacy Requirements for Islamic
Penyediaan Modal Minimum Bank Umum Syariah, Commercial Banks, in which the minimum Capital
di mana Rasio Kecukupan Modal minimum dikaitkan Adequacy Ratio associated with the Bank’s risk profile
dengan profil risiko Bank yang ditetapkan OJK adalah required by the FSA is within the range of 9%-10%.
berkisar 9%-10%.
C. Pengungkapan Kuantitatif Mengenai Struktur C. Quantitative Disclosures Regarding Capital Structure

Permodalan
Pengungkapan kuantitatif mengenai struktur Quantitative disclosures regarding the Bank’s capital
permodalan dapat dilihat pada tabel Struktur structure are available in the table on Bank Muamalat
Permodalan Bank Muamalat Indonesia per 31 Desember Indonesia’s Capital Structure as of December 31, 2021 in
2021 dalam Laporan Tahunan ini. this Annual Report.

PENGELOLAAN RISIKO UTAMA BANK MANAGEMENT OF THE BANK’S MAJOR

RISKS
Risiko Kredit Credit Risk
Pengungkapan Eksposur dan Penerapan Exposure Disclosure and Application of Credit

Manajemen Risiko Kredit Risk Management
Risiko kredit adalah risiko akibat kegagalan nasabah Credit risk is the risk of the default of a customer or another
atau pihak lain dalam memenuhi kewajiban kepada bank party on meeting their obligations to the bank in accordance
sesuai dengan perjanjian yang disepakati, termasuk risiko with the agreed-upon terms. Credit risk includes credit risk
kredit akibat kegagalan debitur, risiko konsentrasi kredit, due to debtor default, credit concentration risk, counterparty
counterparty credit risk, dan settlement risk. credit risk, and settlement risk .
Risiko kredit dapat bersumber dari berbagai aktivitas bisnis Credit risk could arise from various business activities within
Bank, terutama dari penyaluran pembiayaan. Bank juga the Bank, particularly financing. The Bank is also exposed to
menghadapi risiko kredit dari berbagai instrumen keuangan credit risk associated with various financial instruments such
seperti surat berharga, akseptasi, transaksi antar bank, as securities, acceptances, interbank transactions, trade
transaksi pembiayaan perdagangan, transaksi nilai tukar finance transactions, exchange rate transactions as well as
serta kewajiban komitmen dan kontinjensi. commitments and contingencies.
Organisasi Manajemen Risiko Kredit Credit Risk Management Organization

Dalam rangka mengelola aktivitas pembiayaan Bank untuk In order to manage the Bank’s financing activities and
meminimalkan risiko kredit sesuai dengan prinsip kehati- minimize credit risk in accordance with the prudential
hatian perbankan BMI telah memiliki organisasi manajemen banking principles, BMI has established the following credit
risiko kredit sebagai berikut: risk management organization structure:
Organisasi
Organization
Dewan Komisaris Antara lain: Include:
Board of Commissioners 1. Menyetujui rencana pembiayaan yang 1. Approve financing plan as outlined in the
dituangkan dalam Rencana Bisnis Bank, Bank’s Business Plan, including financing to
termasuk pembiayaan kepada pihak terkait related parties of the Bank and financing to
Bank dan pembiayaan kepada nasabah besar certain large customers;
tertentu;
2. Mengawasi pelaksanaan rencana pembiayaan 2. Supervise the implementation of the
dan melakukan fungsi pengawasan terhadap financing plan and perform the supervisory
Direksi terkait langkah perbaikan apabila function of the Board of Directors regarding
pelaksanaan pembiayaan menyimpang dari corrective measures to be taken should the
rencana yang telah dibuat; implementation of such financing deviates
from the established plan;
3. Menjalankan fungsi pengawasan risiko 3. Perform the credit risk oversight function
kredit melalui Risk Oversight Committee, Audit through the Risk Oversight Committee, Audit
Committee dan GCG Committee. Committee and GCG Committee.
Direksi Antara lain: Among others:
Board of Directors 1. Menyusun dan melaksanakan rencana 1. Prepare and implement financing plan as
pembiayaan yang dituangkan dalam outlined in the Bank’s Business Plan and
Rencana Bisnis Bank serta memastikan ensure that it has been implemented in
pelaksanaannya telah sesuai dengan rencana; accordance with the plan;
2. Memastikan ketaatan Bank terhadap 2. Ensure the Bank’s compliance with prevailing
peraturan perundangan yang berlaku laws and regulations related to financing.
terkait pembiayaan. Tanggung jawab ini Such responsibility is also conducted by the
juga dijalankan oleh Direksi melalui Risk Board of Directors through Risk Management
Management Committee. Committee.
3. Memastikan bahwa pemutusan pembiayaan 3. Ensure that financing decisions are
dilakukan dengan berdasarkan pada four-eyes made based on the four-eyes principle in
principle sesuai limit kewenangan memutus accordance with the limit-of-authority decision
pembiayaan yang ditetapkan berjenjang dan based on hierarchy and performed by the
dilaksanakan oleh Komite Pembiayaan. Financing Committee.
Dewan Pengawas Syariah Antara lain: Among others:
Sharia Supervisory Board 1. Memastikan pemenuhan prinsip syariah 1. Ensure compliance with sharia principles in
dalam kebijakan pembiayaan Bank the Bank’s financing policy
2. Memberikan nasihat serta saran kepada 2. Provide advice and suggestions to the Board
Direksi agar sesuai dengan prinsip syariah. of Directors to comply with sharia principles.

2021 Annual Report
Organisasi
Organization
Komite Kebijakan Pembiayaan, yang Antara lain: Among others:
di Bank dilaksanakan fungsinya oleh 1. Memberikan saran dan langkah perbaikan 1. Provide recommendations and corrective
Risk Management Committee kepada Direksi mengenai hal terkait actions to the Board of Directors regarding
Financing Policy Committee, whose penerapan dan pelaksanaan kebijakan matters related to the adoption and
functions are performed at the Bank pembiayaan serta hasil pemantauan; implementation of financing policies and
by the Risk Management Committee monitoring results;
2. Evaluasi atas perkembangan dan kualitas 2. Evaluation of the development and quality of
portofolio pembiayaan dan kebenaran the financing portfolio and the accuracy of the
pelaksanaan kewenangan memutus authority level to decide on financing.
pembiayaan.
Komite Pembiayaan Antara lain: Among others:
Financing Committee 1. Memastikan bahwa pembiayaan diberikan 1. Ensure that financing is provided based on an
berdasarkan analisis yang jujur, objektif honest, objective and comprehensive analysis
dan seksama serta bebas dari benturan and is free from conflicts of interest;
kepentingan;
2. Memastikan pembiayaan yang diberikan telah 2. Ensure that the financing provided has
memenuhi norma umum perbankan dan complied with general banking norms and
telah sesuai dengan prinsip pembiayaan yang has been made in accordance with sound
sehat. financing principles.
ALCO Antara lain: Among others:
ALCO 1. Melakukan review atas ketersediaan dana 1. Review the availability of funds to be
untuk disalurkan dalam bentuk pembiayaan; distributed in the form of financing;
2. Melakukan review dan mengusulkan margin/ 2. Review and propose margin/ujrah/profit
ujrah/bagi hasil/ nisbah bagi hasil pembiayaan sharing/ financing profit-sharing ratio on a
secara berkala. regular basis.
Unit Kerja terkait Pembiayaan Antara lain: Among others:
Business Units related to Financing 1. Lini pertahanan pertama manajemen risiko 1. The first line of defense for credit risk
kredit adalah unit bisnis terkait pembiayaan management is the financing-related business
(termasuk unit kerja pengelola pembiayaan unit (including the unit managing non
bermasalah), unit kerja risiko pembiayaan performing financing), the financing risk unit
dan unit kerja operasional pembiayaan, yang and the financing operational unit, which are
langsung berhadapan dengan risiko dan directly exposed to risk and are responsible
bertanggung jawab untuk mengembangkan for developing awareness to minimize credit
kesadaran untuk meminimalkan risiko kredit. risk.
2. Lini pertahanan kedua manajemen risiko 2. The second line of defense for credit risk
kredit adalah SKMR, unit kepatuhan dan unit management is the SKMR, compliance unit
legal, yang bertanggung jawab melakukan and legal unit, which are responsible for
pengembangan strategi manajemen risiko developing credit risk management strategies,
kredit, pemeliharaan dan pengembangan maintaining and developing sustainable
berkelanjutan dari kerangka pengelolaan credit risk management framework and
risiko kredit dan memberikan masukan serta providing input and direction to business
arahan kepada unit kerja terkait pembiayaan units related to financing regarding the
mengenai proses pengelolaan risiko kredit, credit risk management process, credit risk
pengukuran risiko kredit dan pelaporan measurement and financing reporting on the
pembiayaan pada sistem Bank Bank system
3. Lini pertahanan ketiga manajemen risiko 3. The third line of defense for credit risk
kredit adalah unit internal audit yang management is the internal audit unit
bertanggung jawab melakukan risk-based which is responsible for conducting risk-
audit yang memberikan added value kepada based audits that provide added values to
lini pertahanan pertama dan kedua, untuk the first and second lines of defense, to
memastikan bahwa seluruh elemen Bank ensure that all elements of the Bank have
telah melaksanakan fungsi dan tanggung properly performed their functions and
jawabnya dengan baik termasuk memastikan responsibilities, including ensuring compliance
kesesuaian dengan kebijakan manajemen BMI with BMI management policies and prevailing
dan regulasi yang berlaku. regulations.
Strategi Manajemen Risiko Kredit Credit Risk Management Strategy

Bank telah melakukan strategi manajemen risiko kredit The Bank has implemented a credit risk management
yaitu di antaranya limit risiko dan proses pembiayaan yang strategy, including through risk limits and a financing process
didukung dengan infrastruktur yang memadai, termasuk that is supported by adequate infrastructure, including
dukungan sistem dan ketentuan internal yang diperbaharui. system support and updated internal regulations.
Dalam rangka mengelola aktivitas pembiayaan untuk In order to manage financing activities to minimize credit risk
meminimalkan risiko kredit sesuai dengan prinsip kehati- in accordance with the prudent banking principles, the Bank
hatian perbankan, Bank telah memiliki/melaksanakan has maintained/implemented the following:
sebagai berikut:

1. Menetapkan arah pembiayaan dengan target dan ukuran 1. Determine the goal of financing with clear targets and
yang jelas, meliputi pembiayaan good bank dan new bank measures, including quality financing for good banks and
yang berkualitas, dengan target nasabah pembiayaan new banks, targeting low-risk financing customers and
yang berisiko rendah dan pembiayaan kepada segmen financing to the Islamic segment;
Islami;
2. Mempercepat penyelesaian pembiayaan bermasalah 2. Accelerate the resolution of non-performing financing
dengan menetapkan strategi penyelesaian, didukung by establishing a settlement strategy, supported by
oleh infrastruktur dan sumber daya manusia yang adequate infrastructure and human resources;
memadai;
3. Membentuk organisasi manajemen risiko kredit untuk 3. Establish a credit risk management organization to
mendukung pencapaian bisnis Bank;   support the Bank’s business achievements;  
4. Mengimplementasikan proses pembiayaan yang sehat 4. Implement end- to-end sound financing processes
secara end to end antara lain dengan menetapkan by among others establishing and/or improving risk
dan atau memperbaiki risk acceptance criteria (RAC), acceptance criteria (RAC), implementing quality initiation,
melaksanakan proses inisiasi, analisis, pemutusan analysis, termination of financing processes, financing
pembiayaan, pencairan pembiayaan dan pemantauan disbursement and monitoring of financing;
pembiayaan secara berkualitas;
5. Menetapkan strategi manajemen risiko kredit melalui 5. Establish credit risk management strategy by, among
antara lain penetapan Financing Allocation Limit (FAL), others, determining the Financing Allocation Limit
limit pemutusan pembiayaan, proses pembiayaan (FAL), the limit for financing termination, the financing
yang didukung dengan infrastruktur yang memadai process supported by adequate infrastructure such as
seperti adanya Financing Origination System (FOS) pada the existence of a Financing Origination System (FOS) for
pembiayaan segmen Retail, dan ketentuan internal yang retail segment financing, and regularly-reviewed internal
dikaji berkala;   regulations; 
6. Menjaga kualitas pembiayaan dan melakukan 6. Maintain financing quality and manage the risk of
pengelolaan risiko konsentrasi pembiayaan, melalui financing concentration, by monitoring individual or
pemantauan pembiayaan secara individual atau portfolio financing, determining financing limits, such as
portfolio, melakukan penetapan limit pembiayaan for certain economic sectors, and financing exposure to
antara lain atas sektor ekonomi tertentu, dan eksposur customers and or customer groups.  
pembiayaan pada nasabah dan atau grup nasabah.  
Kebijakan Pengelolaan Risiko Konsentrasi Risk Management Policy Concentration of

Bank melakukan pengelolaan risiko konsentrasi pembiayaan The Bank manages the risk of financing concentration
melalui melalui penetapan limit antara lain atas sektor by setting limits, such as for certain economic sectors
ekonomi tertentu dan eksposur pembiayaan pada nasabah and financing exposures to customers and/or groups of
dan atau grup nasabah. customers.
Beberapa tools yang digunakan untuk pengelolaan risiko Some of the tools used for concentration risk management
konsentrasi antara lain: include:
1. Batas Maksimum Pemberian Pembiayaan (BMPP) 1. Maximum Limit for Financing (BMPP) which is the
yang merupakan batasan maksimum penyediaan maximum limit for providing funds to the Bank’s capital,
dana terhadap modal Bank yang ditetapkan sesuai which is determined in accordance with regulatory
dengan ketentuan regulator. Untuk kehati-hatian, Bank requirements. For the purpose of adopting prudent
mengimplementasikan juga limit BMPP internal yang principles, the Bank also implements an internal BMPP
diterapkan pada persentase tertentu dari limit BMPP limit which is applied to a certain percentage of the
yang ditetapkan oleh regulator. BMPP limit required by the regulator.
2. Target Market dan Financing Allocation Limit (FAL) yang 2. Target Market and Financing Allocation Limit (FAL) which
merupakan batasan maksimum pembiayaan pada is the maximum limit of financing in a certain economic
suatu sektor/sub sektor ekonomi tertentu dengan sector/sub-sector by considering the Bank’s risk appetite
mempertimbangkan risk appetite Bank dan potensi serta and the potential and risks of the relevant economic
risiko sektor/sub sektor ekonomi tersebut. Tools ini sector/sub-sector. These tools are implemented by
diimplementasikan oleh unit bisnis terkait pembiayaan business units related to financing in the form of target
dalam bentuk target market dan risk acceptance criteria markets and risk acceptance criteria (RAC) which are
(RAC) yang ditetapkan berdasarkan segmen pembiayaan determined based on financing segments or certain
atau sektor/sub sektor ekonomi tertentu. economic sectors/sub-sectors.

2021 Annual Report
Pengukuran Risiko Kredit dengan Pendekatan Credit Risk Measurement with Standard
Standar Approach
Bank melakukan perhitungan ATMR untuk risiko kredit The Bank calculates RWA for credit risk by referring to FSA
dengan mengacu pada Peraturan OJK No. 21/POJK.03/2014 Regulation No. 21/POJK.03/2014 concerning Minimum
tentang Kewajiban Penyediaan Modal Minimum Bank Umum Capital Adequacy Requirements for Islamic Commercial
Syariah dan juga SEOJK No. 34/SEOJK.03/2015 tentang Banks and also SEOJK No. 34/SEOJK.03/2015 concerning
Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Calculation of Risk-Weighted Assets for Credit Risk Using the
Kredit dengan Menggunakan Pendekatan Standar bagi Bank Standard Approach for Commercial Banks as amended by
Umum yang diubah dengan SE OJK No. 13/SEOJK.03/2018 SE OJK No.13/SEOJK.03/2018 concerning Amendments to
tentang Perubahan atas SE OJK No. 34/SEOJK.03/2015 SEOJK No. 34/SEOJK.03/2015 concerning Calculation of Risk
tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Weighted Assets for Credit Risk Using the Standard Approach
Risiko Kredit dengan Menggunakan Pendekatan Standar for Islamic Commercial Banks.
bagi Bank Umum Syariah.
Pengukuran risiko kredit dilakukan melalui: Credit risk measurement is implemented by the following:
Kebijakan Penggunaan Peringkat Sesuai dengan metodologi pengukuran risiko In accordance with the standard approach
dalam Perhitungan Aktiva kredit pendekatan standar, perhitungan ATMR credit risk measurement methodology, RWA
Tertimbang Menurut Risiko secara umum dilakukan berdasarkan pada calculations are generally carried out based
(ATMR) untuk Risiko Kredit peringkat yang diterbitkan oleh lembaga on ratings issued by external rating agencies
Policy for Using Ratings in Risk- pemeringkat eksternal yang diakui oleh OJK. recognized by the FSA.
Weighted Asset (RWA) Calculation
for Credit Risk
Kategori Portofolio yang Berdasarkan pendekatan standar, perhitungan Based on the standard approach, the calculation
Menggunakan Peringkat ATMR risiko kredit untuk beberapa kategori of the RWA for credit risk for several portfolio
Portfolio Category Using Rank portofolio didasarkan pada peringkat eksternal categories is based on external ratings and the
dan sebagian lagi sudah ditentukan langsung risk weights have been partially determined
bobot risikonya sesuai ketentuan OJK. directly based on FSA regulations.
Lembaga Pemeringkat Bank menggunakan peringkat terkini yang The Bank adopts the latest rating issued by an
Rating Agency diterbitkan dari lembaga pemeringkat eksternal external rating agency already recognized by FSA
yang telah diakui oleh OJK berdasarkan SEOJK No. based on SEOJK No. 37/SEOJK.03/2016, dated
37/ SEOJK.03/2016, tanggal 8 September 2016 September 8, 2016 regarding Rating Agencies
perihal Lembaga Pemeringkat dan Peringkat and Ratings recognized by FSA.
yang diakui OJK.
Risiko Kredit Pihak Lawan Kegiatan transaksi Bank yang meliputi The Bank’s transaction activities which include
Counter Party’s Credit Risk pertukaran mata uang asing, repo dan reverse foreign currency exchange, repo and reverse
repo dapat membuat Bank terekspos risiko kredit repo may expose the Bank to counterparty credit
pihak lawan. Limit kredit pihak lawan ditetapkan risk. The counterparty credit limit is determined
untuk setiap pihak lawan berdasarkan penilaian for each counterparty based on an assessment
atas kapasitas pihak lawan dan Batas Maksimum of the counterparty’s capacity and the Maximum
Pemberian Pembiayaan (BMPP) sesuai dengan Limit for Financing (BMPP) in accordance with the
kebijakan internal Bank. Bank’s internal policies.
Perhitungan risiko kredit dalam rangka Calculation of credit risk in the context of
perhitungan kecukupan modal untuk eksposur calculating capital adequacy for exposures
yang menimbulkan risiko kredit akibat that trigger credit risk due to the default of the
kegagalan pihak lawan dilakukan menggunakan counterparty is conducted by using a standard
pendekatan standar sesuai dengan ketentuan approach in accordance with prevailing
yang berlaku regulations
Pengendalian Risiko Kredit Credit Risk Control

Pengendalian risiko kredit dilakukan antara lain melalui: Credit risk control is carried out by, among others:
1. Penguatan sistem pengendalian internal, mencakup 1. Strengthening the internal control system, including
pengawasan oleh Dewan Komisaris dan Direksi secara regular supervision by the Board of Commissioners
berkala dan budaya pengendalian risiko yang melibatkan and Directors and risk control culture involving all
seluruh unit kerja terkait pembiayaan, pemeriksaan business units related to financing, regular internal
internal secara berkala dilakukan oleh unit internal audits performed by internal audit unit followed up
audit yang ditindaklanjuti oleh unit kerja terkait dan by the relevant business units and inspections by the
pemeriksanaan oleh unit kerja kontrol operasional; operational control unit;
2. Melakukan penutupan asuransi atas agunan, 2. Performing insurance coverage on collateral, financing
pembiayaan dan atau jiwa nasabah untuk menutup and or customer life to cover potential credit risk.
risiko kredit yang mungkin terjadi.

Definisi Tagihan Jatuh Tempo dan Tagihan Definition of Accounts Due and Impaired Bills
Mengalami Penurunan Nilai
Bank mendefinisikan tagihan yang telah jatuh tempo The Bank defines the maturity of its receivables as stipulated
sebagaimana diatur pada SEOJK No. 34/SEOJK.03/2015 in SEOJK No. 34/SEOJK.03/2015 concerning Calculation of
tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Risk-Weighted Assets for Credit Risk Using the Standard
Risko Kredit dengan Menggunakan Pendekatan Standar Approach for Islamic Commercial Banks as amended by
bagi Bank Umum Syariah yang diubah dengan SE OJK No. SEOJK No. 13/SEOJK.03/2018 concerning Amendments to
13/SEOJK.03/2018 tentang Perubahan atas SE OJK No. SEOJK No. 34/SEOJK.03/2015 concerning Calculation of Risk-
34/SEOJK.03/2015 tentang Perhitungan Aset Tertimbang Weighted Assets for Credit Risk Using the Standard Approach
Menurut Risiko untuk Risiko Kredit dengan Menggunakan for Islamic Commercial Banks, as those which have matured
Pendekatan Standar bagi Bank Umum Syariah, yakni tagihan more than 90 (ninety) days old, both for principal payments
yang telah jatuh tempo lebih dari 90 (sembilan puluh) hari, and/or profit-sharing payments or margin or ujrah.
baik atas pembayaran pokok dan/atau pembayaran bagi
hasil atau margin atau ujrah.
Pendekatan Pembentukan Cadangan Kerugian Approach to Establishment of Allowance of

Penurunan Nilai (CKPN) Individual dan Kolektif Impairment Losses (CKPN) for Individual and
Collective Allowance
Perhitungan CKPN yang dilakukan oleh Bank hanya untuk Calculation of CKPN performed by the Bank is only for
eksposur dengan akad murabahah saja, sesuai dengan exposures under murabahah contracts, in accordance
penerapan PSAK 50/55 (Revisi 2006) sementara PSAK Syariah with the adoption of PSAK 50/55 (Revised 2006) while PSAK
tidak mengatur secara detail. Perhitungan CKPN dilakukan Syariah does not govern in details. Calculation of CKPN is
dalam 2 (dua) pendekatan, yaitu: made in 2 (two) approaches, namely:
1. CKPN Individual dihitung berdasarkan jumlah ekspektasi 1. Individual CKPN is calculated based on the amount of
arus kas yang diterima di masa akan datang, dikurangi expected future cash flows, less the carrying amount.
jumlah tercatat.
2. CKPN Kolektif dihitung dengan mempertimbangkan 2. Collective CKPN is calculated by considering the
Probability of Default dan Loss Given Default dengan Probability of Default and Loss Given Default using
menggunakan data historis 3 (tiga) tahun terakhir. historical data for the last 3 (three) years.
Metode Statistik dalam Perhitungan CKPN Statistical Methods in Calculation of CKPN

Penggunaan metode statistik dalam perhitungan CKPN The adoption of statistical methods in calculating CKPN
sebagaimana dijelaskan pada butir sebelumnya hanya as described above is only for the calculation of Collective
diperuntukkan pada perhitungan CKPN Kolektif. Metode CKPN. The statistical methods used by the Bank are:
statistik yang digunakan oleh Bank adalah:
1. Probability of Default, yakni tingkat kemungkinan 1. Probability of Default, which is the level of probability of a
kegagalan nasabah memenuhi kewajiban, yang diukur customer’s default to meet liabilities, which is measured
menggunakan metode Migration untuk segmen using the Migration method for the Wholesale and SME
Wholesale dan SME, sedangkan untuk segmen Consumer segments, while for the Consumer segment using the
menggunakan metode Net Flow Rate. Net Flow Rate method.
2. Loss Given Default, yaitu tingkat kerugian yang diakibatkan 2. Loss Given Default, namely the level of losses due to the
oleh kegagalan nasabah memenuhi kewajibannya. failure of the customer to meet liabilities. Calculations
Perhitungan dilakukan menggunakan metode Collateral are made using the Collateral Short Fall method.
Short Fall.
Pengungkapan Mitigasi Risiko Kredit dengan Credit Risk Mitigation Disclosure Using Standard
Menggunakan Pendekatan Standar Approach
Mengacu pada POJK terkait perhitungan ATMR untuk risiko Referring to POJK regarding the calculation of RWA for credit
kredit yang disebutkan sebelumnya, Bank juga mengakui risk mentioned above, the Bank also recognizes collateral,
keberadaan agunan, garansi, penjaminan atau asuransi guarantees, or credit insurance as a credit risk mitigation
kredit sebagai teknik mitigasi risiko kredit (MRK). Bank technique (MRK). The Bank adopts the MRK-Collateral
menggunakan Teknik MRK-Agunan dengan pendekatan Method with a simple approach for most of its portfolios,
sederhana untuk sebagian besar portofolionya, di mana whereby the type of financial collateral recognized in the
jenis agunan keuangan yang diakui dalam Teknik MRK- MRK-Collateral Method refers to the prevailing regulations.
Agunan mengacu kepada ketentuan yang berlaku.

2021 Annual Report
Meskipun tidak diikutsertakan dalam perhitungan MRK, Although not included in the calculation of the MRK, the
Bank juga menerima jenis agunan lainnya seperti tanah Bank also accepts other types of collateral such as land and
dan bangunan, kendaraan bermotor, mesin dan agunan/ buildings, motor vehicles, machinery and other collateral/
jaminan lainnya yang telah diatur dalam kebijakan Bank. guarantees as stipulated in the Bank’s policy. Based on
Dalam ketentuan internal, juga diatur mengenai kecukupan the internal regulations, it also regulates the adequacy of
agunan yang harus dipenuhi oleh nasabah, pihak yang collateral that must be met by customers, the parties who
melaksanakan penilaian dan pemeriksaan agunan, aturan perform the assessment and inspection of collateral, internal
dan prosedur penilaian baik internal maupun eksternal, and external valuation policies and procedures, as well as
serta frekuensi penilaian berdasarkan jenis agunan. the frequency of assessment based on the type of collateral.
Pengungkapan Sekuritisasi Aset Asset Securitization Disclosure

Penjelasan mengenai sekuritisasi aset dijelaskan lebih lanjut The explanation of asset securitization is explained further
pada tabel eksposur risiko. on risk exposure table
Risiko Pasar Market Risk
Pengungkapan Eksposur dan Penerapan Disclosure of Market Risk Exposure and

Manajemen Risiko Pasar Implementation of Market Risk Management
Risiko pasar adalah risiko pada posisi neraca dan rekening Market risk is the risk in the balance sheet and off-balance
administratif akibat perubahan harga pasar, antara sheet positions due to changes in market prices including
lain risiko berupa perubahan nilai dari aset yang dapat the risk in the form of changes in assets value that can be
diperdagangkan atau disewakan. traded or leased.
Sebagai bank devisa, BMI memiliki portofolio valuta asing As a foreign exchange bank, BMI has a foreign exchange
di mana nilai dari aset dan kewajiban tersebut selalu terkait portfolio where the value of these assets and liabilities is
dengan perubahan nilai tukar valuta asing terhadap rupiah. always linked to changes in the foreign exchange rate against
Selain itu, Bank juga menghadapi risiko pasar terkait dengan the Rupiah. Moreover, the Bank also copes with market risk
portofolio surat-surat berharga jenis trading yang dimiliki. related to its trading portfolio of securities. The impact on
Dampak terhadap kegiatan usaha Bank akibat perubahan the Bank’s business activities due to changes in the foreign
nilai tukar valuta asing terhadap rupiah dan perubahan exchange rate against the Rupiah and changes in the price
harga surat-surat berharga akibat adanya perubahan imbal of securities due to changes in market yields may affect the
hasil di pasar dapat mempengaruhi ruang gerak ekspansi scope for business expansion through the calculation of the
bisnis melalui perhitungan permodalan perusahaan. Bank’s capital.
Organisasi Manajemen Risiko Pasar Market Risk Management Organization

Organisasi manajemen risiko pasar untuk memastikan Market risk management organization is to ensure that
bahwa Dewan Pengawas Syariah, Dewan Komisaris dan the Sharia Supervisory Board, Board of Commissioners
Direksi beserta komite di bawahnya melaksanakan fungsinya and Directors and the committees under them carry out
dengan baik. Termasuk dalam organisasi manajemen risiko their functions properly. Included in the risk management
adalah dibentuknya unit kerja terkait dengan risiko pasar organization is the establishment of a work unit related
yang terdiri dari tiga lini pertahanan manajemen risiko to market risk which consists of three risk management
dengan  fungsinya masing-masing.   defense lines with their respective functions.
Untuk meminimalkan risiko pasar sesuai dengan prinsip To minimize market risk in accordance with the prudential
kehati-hatian perbankan, Bank telah memiliki organisasi banking principle, the Bank has a market risk management
manajemen risiko pasar yang mencakup: organization that includes:

Organisasi
Organization
Board of Commissioners Menjalankan fungsi pengawasan risiko pasar Conduct market risk monitoring functions
melalui Risk Oversight Committee, Audit Committee through the Risk Oversight Committee, Audit
dan GCG Committee. Committee and GCG Committee.
Tanggung jawab yang sama 1. Memastikan bahwa fungsi manajemen 1. Ensure that the market risk management
dilaksanakan juga melalui risiko pasar sesuai tujuan strategis, skala, function matches the strategic objectives,
ALCO yang bertanggung jawab karakteristik bisnis dan profil risiko pasar scale, business characteristics and market risk
menetapkan kebijakan dan strategi 2. Memastikan adanya integrasi penerapan profile
terkait risiko pasar. manajemen risiko pasar dengan risiko lainnya 2. Ensure the integration of market risk
Board of Directors yang dapat berdampak bagi Bank. management implementation with other risks
The same responsibility is that may impact the Bank.
undertaken through ALCO which is
responsible for setting policies and
strategies related to market risk.
Unit kerja terkait risiko pasar, terdiri 1. Lini pertahanan pertama manajemen risiko 1. The first line of defense for market risk
dari unit kerja yang berdasarkan tiga pasar adalah unit tresuri yang bertanggung management is the treasury unit which is
lini pertahanan manajemen risiko. jawab mengelola transaksi terkait risiko pasar responsible for managing transactions related
Market risk-related work units, dan memelihara Posisi Devisa Netto (PDN) to market risk and maintaining the Bank’s Net
consisting of work units based on dan Pinjaman Luar Negeri (PLN) terjaga pada Open Position (NOP) and Foreign Loans (FL) at
three risk management lines of level yang aman bagi Bank. a safe level.
defense 2. Lini pertahanan kedua manajemen risiko 2. The second line of defense of market risk
pasar adalah SKMR yang mendukung ALCO management is SKMR which supports ALCO in
dalam pemantauan dan pengukuran risiko monitoring and measuring market risk, as well
pasar, serta unit kepatuhan yang memastikan as a compliance unit that ensures the Bank’s
kepatuhan Bank atas rasio pasar yang harus compliance with market ratios that must be
dijaga. maintained.
3. Lini pertahanan ketiga manajemen risiko 3. The third line of defense for market risk
pasar adalah unit internal audit yang management is the internal audit unit that
bertanggung jawab melakukan risk-based is responsible for conducting risk-based
audit yang memberikan added value kepada audits that provide added value to the first
lini pertahanan pertama dan kedua, untuk and second lines of defense, to ensure
memastikan bahwa seluruh elemen Bank that all elements of the Bank have properly
telah melaksanakan fungsi dan tanggung fulfilled their functions and responsibilities,
jawabnya dengan baik termasuk memastikan including ensuring compliance with the
kesesuaian dengan kebijakan manajemen Bank’s management policies and applicable
Bank dan regulasi yang berlaku. regulations.
Strategi Manajemen Risiko Pasar Strategy of Market Risk Management

Bank memiliki strategi manajemen risiko pasar sebagai The Bank has a market risk management strategy as follows:
berikut:
1. Menjaga tingkat PDN pada level 2% atau lebih rendah 1. Maintain the NOP level at 2% or lower than that is set by
daripada yang ditetapkan regulator; the regulator;
2. Memantau limit dealer untuk transaksi foreign exchange, 2. Monitor dealer limits for foreign exchange, money
money market, dan fixed income, baik terhadap limit market, and fixed income transactions, both on utilization
utilisasi maupun kerugian; and loss limits;
3. Memantau rasio PLN Bank agar tidak melanggar 3. Monitor the Bank’s PLN ratio so as not to violate the
ketentuan regulator; provisions of the regulator;
4. Melakukan perbaikan end to end treasury process dengan 4. Improve the end-to-end treasury process by ensuring
memastikan fungsi middle office dan kaidah four-eyes the middle office function and the four-eyes principles,
principles, termasuk di dalamnya melakukan perbaikan including making improvements and developing the
dan pengembang sistem treasury; treasury system;
5. Melakukan stress test risiko pasar secara berkala; 5. Periodically conduct market risk stress tests;
6. Menentukan besaran risk factor untuk transaksi valuta 6. Determine the amount of risk factor for foreign exchange
asing. transactions.
Pengelolaan Portofolio Trading Book dan Banking Trading Book and Banking Book Portfolio
Book serta Metodologi Evaluasi Management and Evaluation Methodology
Risiko pasar pada trading book adalah risiko yang muncul Market risk in the trading book is the risk that arises from
dari potensi kerugian pada aktivitas trading, sebagai akibat potential losses in trading activities, as a result of changes
dari adanya perubahan pada faktor pasar yaitu benchmark in market factors, namely the benchmark level of market
tingkat margin/bagi hasil pasar dan nilai tukar. Pengelolaan margin/profit sharing and exchange rates. The Bank’s market
risiko pasar Bank dilakukan dengan menerapkan prinsip risk management is carried out by applying the principle
segregation of duties yaitu memisahkan fungsi dan tanggung of segregation of duties, namely separating functions and

2021 Annual Report
jawab secara independen atas transaksi tresuri, yang responsibilities independently of treasury transactions,
terdiri dari: which consist of:
1. Front office: unit tresuri sebagai unit pelaksana transaksi 1. Front office: treasury unit as the executing unit for
tresuri dan investasi. treasury and investment transactions.
2. Middle office: unit SKMR sebagai unit yang melakukan 2. Middle office: Risk Management Work unit (SKMR) as the
pemantauan, menilai serta menginformasikan risiko unit that monitors, assesses and informs the risks arising
yang timbul dari kegiatan trading yang dilakukan oleh from trading activities carried out by the front office unit.
unit front office.
3. Back office: unit operasional tresuri sebagai unit 3. Back office: treasury operational unit as the unit that
yang melakukan pencatatan dan valuasi terhadap records and evaluates all exposures to trading activities
seluruh eksposur pada aktivitas trading secara harian on a daily basis using market prices from independent
dengan menggunakan harga pasar dari sumber yang sources.
independen.
Risiko pasar pada banking book juga muncul akibat Market risk in the banking book also arises due to changes in
adanya perubahan atas nilai tukar yang selanjutnya akan the exchange rate which in turn will affect the profitability of
mempengaruhi profitabilitas Bank. Pengelolaan risiko pasar the Bank. The Bank’s banking book market risk management
banking book Bank dilakukan dengan mengoptimalkan is carried out by optimizing the balance sheet structure in
struktur neraca agar mendapatkan imbal hasil yang order to obtain maximum returns with an acceptable level
maksimal dengan tingkat risiko yang dapat diterima. of risk.
Dalam menghitung ATMR untuk Risiko Pasar, Bank mengacu In calculating RWA for Market Risk, the Bank refers to POJK
pada POJK No. 21/POJK.03/2014 tentang Kewajiban No. 21/POJK.03/2014 concerning Minimum Capital Adequacy
Penyediaan Modal Minimum Bank Umum Syariah dan SEOJK Requirements for Islamic Commercial Banks and SEOJK No.
No. 35/SEOJK.03/2015 tentang Perhitungan Aset Tertimbang 35/SEOJK.03/2015 concerning Calculation of Risk-Weighted
Menurut Risiko untuk Risiko Pasar dengan menggunakan Assets for Market Risk using the Standard Method for Islamic
Metode Standar bagi Bank Umum Syariah. Risiko pasar yang Commercial Banks. The market risks that must be taken into
wajib diperhitungkan dalam beban modal untuk pendekatan account in the capital expense for the standard approach
standar adalah: are:
1. Posisi instrumen keuangan dalam trading book yang 1. The position of financial instruments in the trading book
terekspos risiko benchmark margin/bagi hasil. exposed to the risk of benchmark margin/profit sharing.
2. Posisi valuta asing dalam trading book dan banking book 2. Foreign exchange positions in the trading book and
yang terekspos risiko nilai tukar. banking book exposed to exchange rate risk.
Sedangkan untuk keperluan perhitungan modal minimum Meanwhile, for the purposes of calculating minimum capital
dengan menggunakan metode standar, Bank menghitung using the standard method, the Bank calculates all financial
seluruh posisi instrumen keuangan dalam trading book yang instrument positions in the trading book that are exposed
terekspos pada benchmark margin/risiko bagi hasil, seperti to benchmark margin/profit sharing risk, such as in the
pada portofolio efek, serta instrumen derivatif lainnya securities portfolio, as well as other derivative instruments
seperti FX Forward dan FX Swap. Untuk risiko nilai tukar, Bank such as FX Forward and FX Swap. For exchange rate risk, the
menghitung seluruh posisi on dan off balance sheet, baik Bank calculates all on and off-balance sheet positions, both
dalam portofolio trading book dan banking book. in the trading book and banking book portfolios.
Setiap harinya, SKMR melakukan pemantauan terhadap SKMR monitors excess dealer transaction limit.
pelampauan limit transaksi dealer. Penetapan limit berfungsi Determination of limits serves to regulate the concentration
untuk membatasi konsentrasi eksposur risiko pada suatu of risk exposure in a particular position, type of risk, type of
posisi, jenis risiko, tipe instrumen dan/atau pasar tertentu. instrument and/or market. The determination of this limit
Penetapan limit ini mengacu kepada risk tolerance Bank refers to the Bank’s risk tolerance by considering the profit
dengan mempertimbangkan target profit dan risiko dari and risk targets of trading activities.
aktivitas perdagangan.

Risiko Likuiditas Liquidity Risk
Pengungkapan Eksposur dan Penerapan Exposure Disclosure and Implementation of

Manajemen Risiko Likuiditas Liquidity Risk Management
Risiko likuiditas adalah risiko akibat ketidakmampuan bank Liquidity risk is the risk due to the bank’s inability to meet
untuk memenuhi kewajiban yang jatuh tempo dari sumber maturing obligations from cash flow funding sources and/
pendanaan arus kas dan/atau dari aset likuid berkualitas or from high quality liquid assets that can be liquidated
tinggi yang dapat dilikuidasi segera dan/atau diagunkan immediately and/or pledged without disrupting the bank’s
tanpa mengganggu aktivitas keuangan bank. financial activities.
Organisasi Manajemen Risiko Likuiditas Liquidity Risk Management Organization

Organisasi manajemen risiko likuiditas untuk memastikan Liquidity risk management organization is to ensure that
bahwa Dewan Pengawas Syariah, Dewan Komisaris dan the Sharia Supervisory Board, Board of Commissioners
Direksi   beserta komite di bawahnya melaksanakan fungsinya and Directors and the committees under them carry out
dengan baik. Termasuk dalam organisasi manajemen risiko their functions properly. Included in the risk management
adalah dibentuknya unit kerja terkait dengan likuiditas yang organization is the establishment of a liquidity working unit
terdiri dari tiga lini pertahanan manajemen risiko dengan which consists of three risk management defense lines with
fungsinya masing-masing. their respective functions.
Untuk meminimalkan risiko likuiditas sesuai dengan prinsip To minimize liquidity risk in accordance with the prudential
kehati-hatian perbankan, Bank telah memiliki organisasi banking principle, the Bank has had liquidity risk management
manajemen risiko likuiditas sebagai berikut: organization as follows:
Organisasi
Organization
Board of Commissioners Menjalankan fungsi pengawasan risiko likuiditas Performing the liquidity risk oversight function
melalui Risk Oversight Committee, Audit Committee, through the Risk Oversight Committee, Audit
dan GCG Committee. Committee and GCG Committee.
Tanggung jawab ini dilaksanakan 1. Memastikan bahwa fungsi manajemen 1. Ensure that the liquidity risk management
juga melalui ALCO yang bertanggung risiko likuiditas sesuai tujuan strategis, skala, function is in line with strategic objectives,
jawab menetapkan kebijakan dan karakteristik bisnis dan profil risiko likuiditas; business scale and characteristics and liquidity
strategi terkait risiko likuiditas risk profile;
Board of Directors 2. Memastikan adanya integrasi penerapan 2. Ensure the integration of the implementation
This responsibility is also carried out manajemen risiko likuiditas dengan risiko of liquidity risk management with other risks
through ALCO who is responsible lainnya yang dapat berdampak bagi Bank. that may impact the Bank.
for setting policies and strategies 3. Menerapkan rencana pendanaan darurat 3. Implement an emergency funding plan if the
related to liquidity risk. apabila status kondisi likuiditas Bank Bank’s liquidity condition worsens.
memburuk.
Unit kerja terkait risiko likuiditas, 1. Lini pertahanan pertama manajemen risiko 1. The first line of defense for liquidity risk
terdiri dari unit kerja yang likuditas adalah unit tresuri yang bertanggung management is the treasury unit which is
berdasarkan tiga lini pertahanan jawab mengelola transaksi arus dana masuk responsible for managing incoming and
manajemen risiko dan keluar terjaga pada level yang aman bagi outgoing fund flows at a level that is safe for
Work units related to liquidity risk, Bank. the Bank.
consisting of work units based on 2. Lini pertahanan kedua manajemen risiko 2. The second line of defense for liquidity
three lines of risk management likuiditas adalah SKMR yang mendukung risk management is the Risk Management
defense ALCO dalam pemantauan dan pengukuran Work Unit (SKMR) which supports ALCO
indikator-indikator risiko likuiditas, serta unit in monitoring and measuring liquidity risk
kepatuhan yang memastikan rasio likuiditas indicators, as well as a compliance unit
Bank telah sesuai dengan ketentuan regulator. that ensures the Bank’s liquidity ratio is in
accordance with regulatory requirements.
3. Lini pertahanan ketiga manajemen risiko 3. The third line of defense for liquidity risk
likuiditas adalah unit internal audit yang management is the internal audit unit that is
bertanggung jawab melakukan risk-based responsible for conducting risk-based audits
audit yang memberikan added value kepada that provide added value to the first and
lini pertahanan pertama dan kedua, untuk second lines of defense, to ensure that all
memastikan bahwa seluruh elemen Bank elements of the Bank have properly carried
telah melaksanakan fungsi dan tanggung out their functions and responsibilities,
jawabnya dengan baik termasuk memastikan including to ensure compliance with the
kesesuaian dengan kebijakan manajemen Bank’s management policy and applicable
Bank dan regulasi yang berlaku. regulations.

2021 Annual Report
Strategi Manajemen Risiko Likuiditas Liquidity Risk Management Strategy

Pada tahun 2021, Bank telah melakukan strategi manajemen In 2021, the Bank has implemented a liquidity risk
risiko likuiditas, di antaranya dengan: management strategy, including:
1. Menjaga likuiditas Bank tetap sehat yang dipantau 1. Keeping sound Bank’s liquidity which is monitored on a
secara harian. daily basis;
2. Menetapkan strategi peningkatan likuiditas dengan 2. Establish a strategy to increase liquidity while still
tetap menyesuaikan pada fokus strategi bisnis Bank adjusting to the focus of the Bank’s business strategy
tahun 2021, yaitu dengan fokus pada pertumbuhan dana in 2021, namely the growth of low-cost funds and
murah dan mengoptimalkan pendapatan berbasis jasa. optimizing service-based income;
3. Memperkuat posisi pendanaan Bank melalui 3. Strengthening the Bank’s funding position through
pemenuhan kebutuhan nasabah melakukan transaksi meeting the needs of customers conducting transactions
yang diharapkan dapat meningkatkan loyalitas nasabah which are expected to increase customer loyalty in using
dalam menggunakan layanan Bank. the Bank’s services.
Teknik Mitigasi Risiko Likuiditas termasuk Liquidity Risk Mitigation Techniques including
Indikator Peringatan Dini Permasalahan Early Warning Problem Indicators
Setiap harinya, Bank melakukan pemantauan atas risiko The Bank monitors daily liquidity risk through reporting of
likuiditas melalui pelaporan atas pencapaian rasio-rasio liquidity ratios which are summarized in the Liquidity Key
likuiditas yang terangkum dalam Liquidity Key Risk Indicator Risk Indicator (LKRI). The indicators included in the report are
(LKRI). Indikator-indikator yang masuk dalam laporan liquidity parameters that describe their respective functions,
tersebut ialah parameter likuiditas yang menggambarkan both as a liquidity buffer, concentration level, funding
fungsinya masing-masing, baik sebagai penyangga likuiditas, dependence and the Bank’s level of business expansion.
tingkat konsentrasi, ketergantungan pendanaan dan tingkat
ekspansi bisnis Bank.
Penilaian atas kondisi likuiditas Bank diperoleh melalui hasil The assessment of the Bank’s liquidity condition is obtained
pemeringkatan secara komposit atas seluruh parameter, through a composite rating of all parameters, so that the
sehingga sebagai output penilaiannya akan diketahui tingkat output of the assessment will determine the level of risk
risiko dari kondisi likuiditas Bank. Hasil penilaian atas kondisi from the Bank’s liquidity condition. The assessment result of
likuiditas ini diinformasikan kepada Direksi secara harian liquidity conditions are informed to the Board of Directors
sehingga ketika kondisi likuiditas terlihat menurun dapat on a daily basis so that when liquidity conditions appear to
diberikan arahan atas langkah-langkah pemulihan likuiditas be declining, they can be given direction on liquidity recovery
yang harus dilakukan. steps that must be taken.
Likuiditas dan Rencana Pendanaan Darurat Liquidity and Contingency Funding Plan
Dalam hal pemantauan dan pengelolaan risiko likuiditas In terms of monitoring and managing liquidity risk during
saat kondisi krisis, BMI telah mempunyai kebijakan yaitu crisis conditions, BMI has Contingency Funding Plan (CFP)
Contingency Funding Plan (CFP), yang pelaksanannya policy, whose implementation is represented through more
direpresentasikan melalui pelaksanaan rapat Liquidity Crisis intensive Liquidity Crisis Mitigation Team (LCMT) meetings.
Mitigation Team (LCMT) yang lebih intensif.
Pelaksanaan rapat LCMT dijalankan dengan The implementation of the LCMT meeting is carried out by
mempertimbangkan hasil pemantauan status kondisi taking into account the results of monitoring the status of
likuiditas Bank yang tercantum pada laporan LKRI dengan the Bank’s liquidity conditions listed in the Liquidity Key Risk
kondisi tertentu. Rapat LCMT ini diharapkan dapat Indicator (LKRI) report under certain conditions. The LCMT
mempercepat proses pemulihan atas kondisi likuiditas Bank, meeting is expected to accelerate the recovery process of the
terutama melalui perbaikan atas kinerja pendanaan dari sisi Bank’s liquidity conditions, especially through improvements
nasabah, maupun alternatif sumber pendanaan yang dapat in funding performance on the customer side, as well as
diupayakan dari pasar uang. alternative sources of funding that can be sought from the
money market.

Mekanisme Pengukuran dan Stress Test serta Measurement and Stress Test Mechanism and
Pengendalian Risiko Likuiditas Liquidity Risk Control
Stress test likuiditas dilakukan oleh Bank sebagai salah satu A liquidity stress test is carried out by the Bank as one of
metode manajemen risiko untuk mengevaluasi ketahanan the risk management methods to evaluate the resilience of
modal, likuiditas dan kemampuan Bank dalam menyerap capital, liquidity and the Bank’s ability to absorb losses in an
kerugian pada suatu kejadian krisis yang exceptional but exceptional but plausible crisis event, as well as to identify
plausible, serta mengidentifikasi langkah-langkah yang harus steps that must be taken to mitigate risk and to maintain
dilakukan untuk memitigasi risiko dan menjaga modal. capital level.
Ruang lingkup pelaksanaan stress test likuiditas mencakup The scope of the liquidity stress test implementation includes
regular issue dan juga forward looking scenario yang mengacu regular issues as well as forward looking scenarios that
pada kondisi terkini seperti kondisi pasar dan lingkungan refer to current conditions such as market conditions and
bisnis serta pandemi COVID-19 dan dampaknya terhadap business environment as well as the COVID-19 pandemic
bisnis Bank. and its impact on the Bank’s business.
Dalam perhitungan stress test likuiditas, Bank In calculating the liquidity stress test, the Bank identifies
mengidentifikasi potensi tekanan yang mungkin terjadi potential pressures that may occur to assess the adequacy
untuk menilai kecukupan likuiditas dan cadangan aktiva of liquidity and reserves of liquid assets of the Bank in
likuid yang dimiliki dalam menyerap tekanan yang timbul absorbing the pressures that arise as well as preventive and
serta langkah pencegahan dan penanggulangan yang countermeasures steps listed in the CFP.
tercantum dalam CFP.
Risiko Operasional Operational Risk

Manajemen Risiko Operasional Operational Risk Management
Risiko operasional didefinisikan sebagai kerugian akibat Operational risk is defined as loss due to inadequate
ketidakcukupan dan atau tidak berfungsinya proses internal, and/or malfunctioning internal processes, human error,
kesalahan manusia, kegagalan sistem atau isu eksternal system failure or external issues that may affect the Bank’s
yang dapat mempengaruhi operasional Bank. Kerugian dari operations. Losses from the impact of operational risk
dampak risiko operasional dapat mempengaruhi kinerja can affect financial performance and interfere with the
keuangan dan mengganggu pencapaian visi dan misi bank. achievement of the bank’s vision and mission.
Lemahnya pengendalian risiko operasional dapat Weak operational risk control can have an impact on the
menyebabkan dampak terhadap kegiatan usaha Bank Bank’s business activities such as increasing operational
yaitu meningkatnya biaya operasional dan pada akhirnya costs and ultimately reducing the operating profit and capital
mengurangi laba usaha serta modal Bank. Selain itu, secara of the Bank. In addition, this weakness in general will result
umum kelemahan ini akan mengakibatkan kelancaran in disruption of otherwise smooth operation and quality of
operasional dan mutu pelayanan menjadi terganggu dan services and reduce the performance and competitiveness
menurunkan kinerja dan daya saing BMI. of BMI.
Organisasi Manajemen Risiko Operasional Operational Risk Management Organization

Organisasi manajemen risiko operasional yang memastikan An operational risk management organization ensures that
bahwa Dewan Pengawas Syariah, Dewan Komisaris dan the Sharia Supervisory Board, the Board of Commissioners
Direksi serta komite di bawahnya melaksanakan fungsinya and the Board of Directors as well as the committees under
dengan baik. Termasuk dalam organisasi manajemen risiko them carry out their functions properly. Included in the
adalah dibentuknya unit kerja terkait dengan operasional risk management organization is the establishment of a
yang terdiri dari 3 (tiga) lini pertahanan manajemen risiko work unit related to operations consisting of 3 (three) risk
dengan fungsinya masing-masing, sebagai berikut: management defense lines with their respective functions,
as follows:

2021 Annual Report
Organisasi
Organization
Board of Commissioners Menjalankan fungsi pengawasan risiko Perform operational risk monitoring functions
operasional melalui Risk Oversight Committee, through the Risk Oversight Committee, the Audit
Audit Committee, dan GCG Committee. Committee and the GCG Committee.
Tanggung jawab yang sama 1. Memastikan bahwa fungsi manajemen risiko 1. Ensure that operational risk management is
dilaksanakan melalui rapat operasional telah memadai sesuai dengan adequate for the complex characteristics and
Operational Risk Committee (ORC) karakteristik kompleksitas dan profil risiko risk profile of the Bank as well as the types
yang merupakan bagian dari Bank serta memahami dengan baik jenis dan and levels of risks inherent in the Bank’s
rapat Risk Management Committee tingkat risiko yang melekat pada kegiatan business activities.
(RMC) yang bertanggung jawab bisnis Bank.
menetapkan kebijakan dan strategi 2. Dalam melaksanakan tanggung jawabnya, 2. The Board of Directors has established the
terkait risiko operasional. Direksi membentuk Risk Management Risk Management Committee, which ensures
Board of Directors Committee yang memastikan bahwa kerangka that the operational risk management
Similar responsibility is performed kerja manajemen risiko operasional telah framework provides adequate protection for
carried out through the Operational memberikan perlindungan memadai bagi the Bank.
Risk Committee (ORC) meeting which Bank.
is part of the Risk Management
Committee (RMC) meeting, which
is responsible for establishing
policies and strategies related to
operational risk.
Unit kerja terkait risiko operasional, 1. Lini pertahanan pertama manajemen risiko 1. The first line of defense for operational risk
terdiri dari unit kerja yang operasional adalah seluruh unit kerja di Bank management includes all business units that
berdasarkan tiga lini pertahanan yang dalam fungsinya memiliki risiko inheren have an inherent risk in their functions and
manajemen risiko. masing- masing dan bertanggung jawab atas are responsible for managing their daily
Operational risk-related business pengelolaan risiko operasionalnya sehari- operational risks, and reporting operational
units, consisting of units based on hari, dan melaporkan permasalahan dan risk issues and incidents to SKMR.
three risk management lines of kejadian risiko operasional kepada SKMR.
defense. 2. Lini pertahanan kedua manajemen risiko 2. The second line of defense for operational
operasional adalah SKMR yang berfungsi risk management is SKMR whose function
untuk meyakini bahwa risiko yang dihadapi it is to ensure that the risks faced by the
Bank dalam diidentifikasi, diukur dipantau, Bank are correctly identified, measured,
dikendalikan dan dilaporkan dengan benar, monitored, controlled and reported, as well
serta unit kepatuhan yang memastikan as a compliance unit that ensures the Bank’s
kepatuhan Bank atas rasio operasional yang compliance with operational ratios.
harus dijaga.
3. Lini pertahanan ketiga manajemen risiko 3. The third line of defense is operational risk
operasional adalah unit internal audit yang management, which is the internal audit
bertanggung jawab melakukan risk-based unit that is responsible for conducting risk-
audit yang memberikan added value kepada based audits that provide added value to
lini pertahanan pertama dan kedua, untuk the first and second lines of defense and
memastikan bahwa seluruh elemen Bank ensuring that all elements of the Bank have
telah melaksanakan fungsi dan tanggung completed their functions and responsibilities
jawabnya dengan baik termasuk memastikan including compliance with Bank Muamalat’s
kesesuaian dengan kebijakan manajemen management policies and regulations.
Bank dan regulasi yang berlaku.
Strategi Manajemen Risiko Operasional Operational Risk Management Strategy

Strategi manajemen risiko operasional yang dilakukan Bank The Bank’s operational risk management strategies include:
antara lain melalui:
1. Beberapa proyek perbaikan terkait dengan risiko 1. Several improvement projects that relate to the
operasional yang menjadi perhatian Bank, antara operational risks that are of concern to the Bank, which
lain terkait dengan kualitas data dan dokumentasi include risks related to the quality of data and financing
pembiayaan. documentation.
2. Budaya Sadar Risiko Operasional dilakukan melalui 2. Operational Risk Awareness Culture is carried out
penyampaian operational risk awareness kepada seluruh through the delivery of operational risk awareness to all
karyawan, pelatihan basic risk awareness secara berkala, employees, regular basic risk awareness training, delivery
penyampaian risk awareness melalui video, media of risk awareness through video, media podcasts,
podcast, pelaksanaan Muamalat Internal Certification implementation of Muamalat Internal Certification (MIC),
(MIC), dan anti-fraud campaign. and anti-fraud campaign.
3. Risk appetite dan risk tolerance untuk risiko operasional 3. Risk appetite and risk tolerance for operational risk that
yang terukur dan sesuai dengan kemampuan Bank untuk is measurable and in accordance with the Bank’s ability
menyerap kerugian atas dampak risiko operasional. to absorb losses from the impact of operational risk.
4. Kecukupan mitigasi risiko atas setiap produk dan 4. Adequacy of risk mitigation for each new product and
aktivitas baru yang wajib disusun secara komprehensif activity that must be compiled comprehensively based

berdasarkan kemampuan infrastuktur dengan kontrol on infrastructure capability with adequate control and
yang memadai dan tingkat keahlian yang cukup. sufficient level of expertise.
5. Memastikan bahwa setiap aktivitas yang dijalankan wajib 5. Ensure that every activity carried out must be equipped
dilengkapi dengan prosedur yang digunakan sebagai with procedures that are used as standard guidelines
panduan standar dan dilakukan kaji ulang secara and are reviewed periodically.
berkala.
6. Memisahkan tugas dan fungsi berdasarkan konsep four- 6. Segregation of duties and functions based on the four-
eyes principles yang jelas untuk memastikan objektivitas eyes principle concept to ensure objectivity and avoid
dan menghindari benturan kepentingan. conflicts of interest.
7. Mengembangkan dan mengimplementasikan perangkat 7. Development and implementation of operational
risiko operasional yaitu Loss Event Database (LED), Risk and risk tools, including Loss Event Database (LED), Risk
Control Self-Assessment (RCSA) dan Key Risk Indicator (KRI). and Control Self-Assessment (RCSA) and Key Risk
Indicators (KRI).
8. Melakukan kaji ulang perangkat KRI dan parameter profil 8. Reviewing the KRI equipment and operational risk profile
risiko operasional sesuai dengan ketentuan regulator parameters in accordance with regulatory provisions
dan mencerminkan risiko sebenarnya yang dihadapi and reflecting the actual risks faced by the Bank.
oleh Bank.
9. Menunjuk Operational Risk Champion (ORION) yang 9. Appointment of an Operational Risk Champion (ORION)
merupakan designated operational risk officer yang who facilitates the operational risk management process
memfasilitasi proses manajemen risiko operasional di at each business unit;
unit kerja masing-masing.
10. Melaksanakan Forum Risiko Operasional yang 10. Implementation of the Operational Risk Forum, which is
merupakan bagian dari rapat Risk Management Committee a part of the Risk Management Committee meetings to
dengan tujuan untuk menyampaikan permasalahan communicate operational risk issues at each unit.
risiko operasional yang terjadi di setiap unit kerja.
Kebijakan dan Prosedur Manajemen Risiko Operational Risk Management Policies and
Operasional Procedures
Sebagai upaya melakukan pengelolaan risiko operasional, As an effort to manage operational risk, the Bank has
Bank telah memiliki kebijakan dan prosedur yang diterapkan policies and procedures that are implemented bank-wide
secara bank-wide dalam pelaksanaan operasional sehari- in the implementation of daily operations. The General
hari. Kebijakan Umum Operasional yang berisi panduan Operational Policy contains the guidelines on risk control
minimum standar pengendalian risiko terhadap 4 (empat) standards of 4 (four) factors that can trigger operational
faktor penyebab risiko operasional yaitu pengelolaan risk, namely: human resource management, transaction
sumber daya manusia, pengelolaan transaksi dan aktivitas, and activity management, asset and information technology
pengelolaan aset dan teknologi informasi, serta pengelolaan management, and business continuity management. At
kelangsungan bisnis. Pada level prosedur, diatur ketentuan the procedural level, provisions that are more procedural
yang lebih bersifat prosedural terkait dengan kegiatan in nature related to the Bank’s operational activities are
operasional Bank, dan bila diperlukan dilengkapi dengan regulated, and if necessary, accompanied by technical
petunjuk teknis. instructions.
Risiko Hukum Legal Risk
Pengungkapan Eksposur dan Penerapan Exposure Disclosure and Implementation Legal

Manajemen Risiko Hukum Risk Management
Risiko hukum adalah risiko akibat tuntutan hukum dan/ Legal risk represents the risk of lawsuits and/or the
atau kelemahan aspek yuridis. Risiko ini timbul antara weakness in the juridical aspect. This risk arises due to an
lain karena ketiadaan peraturan perundang-undangan absence of supporting laws and regulations or a weakness in
yang mendukung atau kelemahan perikatan, seperti tidak engagement, such as a breach of valid contractual conditions
dipenuhinya syarat sahnya kontrak atau pengikatan agunan or imperfect binding of collateral. If such legal risks are not
yang tidak sempurna. Apabila risiko hukum tidak dimonitor appropriately monitored, the Bank can be sued by customers
dengan baik, maka dampak terhadap kegiatan usaha Bank or third parties.
adalah munculnya tuntutan hukum kepada Bank oleh
nasabah atau pihak ketiga.

2021 Annual Report
Organisasi Manajemen Risiko Hukum Legal Risk Management Organization

Untuk meminimalkan risiko hukum sesuai prinsip kehati- To minimize legal risk in accordance with prudent banking
hatian perbankan, Bank memiliki organisasi manajemen principles, the Bank has a legal risk management organization
risiko hukum yang mencakup: that includes:
1. Dewan Komisaris yang bertanggung jawab antara 1. The Board of Commissioners is responsible for, among
lain menjalankan fungsi pengawasan risiko hukum others, carrying out the legal risk oversight function which
yang dilakukan melalui Risk Oversight Committee, Audit is carried out through the Risk Oversight Committee, the
Committee, dan GCG Committee. Audit Committee, and the GCG Committee.
2. Direksi bertanggung jawab memastikan fungsi 2. The Board of Directors is responsible for ensuring that
manajemen risiko hukum berjalan sesuai tujuan the legal risk management function runs according to
strategis, skala, karakteristik bisnis dan profil risiko strategic objectives, scale, business characteristics and
hukum serta memastikan adanya integrasi penerapan legal risk profile as well as ensuring the integration of
manajemen risiko hukum dengan risiko lainnya yang legal risk management implementation with other risks
dapat berdampak bagi Bank. that may impact the Bank.
3. Unit kerja terkait risiko hukum terutama dilaksanakan 3. Work units related to legal risk are mainly carried out by
oleh unit Corporate Legal sebagai legal watch, yakni the Corporate Legal unit as a legal watch, namely a work
unit kerja yang menyediakan opini dan analisis dari unit that provides opinions and analysis from the legal
sisi aspek hukum atas produk, aktivitas, dan prosedur aspect of products, activities, and procedures related to
terkait dengan aktivitas Bank, serta advis hukum kepada Bank activities, as well as legal advice to Bank employees
pegawai Bank pada setiap jenjang organisasi bila at every level organization when needed.
diperlukan.
Strategi Manajemen Risiko Hukum Legal Risk Management Strategy

Bank melakukan strategi pengelolaan risiko hukum di The Bank’s legal risk management strategy includes
antaranya melakukan perumusan ketentuan terkait establishing policies related to the stages of contract review/
tahapan review/penyusunan kontrak, pengelolaan notaris preparation, management of notaries and legal consultants
dan konsultan hukum mitra Bank, melakukan review atas for Bank partners, reviewing cooperation agreements
perjanjian kerja sama (PKS) yang dilakukan dengan pihak (PKS) conducted with other parties to provide optimal legal
lain untuk memberikan perlindungan hukum yang optimal protection for the Bank as well as conducting legal studies
kepada Bank serta melakukan kajian hukum pada aksi about BMI’s corporate actions and provisions related to the
korporasi BMI dan ketentuan terkait proses dan produk Bank’s processes and products from a legal perspective.
Bank dari sisi hukum.
Mekanisme Pengendalian Risiko Hukum Legal Risk Control Mechanism

BMI memiliki mekanisme pengendalian risiko hukum yang BMI has a legal risk control mechanism, which includes:
dilakukan dengan cara sebagai berikut:
1. Unit Corporate Legal melakukan kaji ulang secara 1. Corporate Legal Unit conducts periodic reviews of
berkala terhadap perpanjangan/adendum kontrak/ renewal/addendum to contracts/agreements between
perjanjian antara Bank dengan pihak lain, antara lain the Bank and other parties by assessing the effectiveness
dengan cara melakukan penilaian kembali terhadap of the enforceability process in order to check the validity
efektivitas proses enforceability guna memeriksa validitas of the rights in the contracts and agreements.
hak dalam kontrak dan perjanjian tersebut.
2. Dalam hal Bank menerbitkan garansi, maka hal tersebut 2. In the event that the Bank issues a guarantee, it must
harus didukung dengan dokumen hukum yang efektif be supported by an effective and enforceable legal
dan enforceable. document.

Risiko Reputasi Reputational Risk
Pengungkapan Eksposur dan Penerapan Exposure Disclosure and Application Reputational

Manajemen Risiko Reputasi Risk Management
Risiko reputasi merupakan risiko yang berkaitan dengan Reputational risk relates to the image of the Bank, namely
menurunnya tingkat kepercayaan stakeholders yang muncul the risk of declining stakeholder trust due to negative
dari persepsi negatif terhadap Bank. Persepsi negatif yang perceptions of the Bank. Negative perceptions that are not
tidak dikelola dengan baik oleh Bank dapat menurunkan managed by the Bank could diminish public confidence in
kepercayaan publik terhadap BMI dan dapat mengakibatkan BMI and could have several result in, among other things,
antara lain penurunan jumlah nasabah, bisnis dan/atau such as a decrease in the number of customers, business
pendapatan Bank hingga tuntutan litigasi. and/or income of the Bank, as well as litigation.
Organisasi Manajemen Risiko Reputasi Reputational Risk Management Organization

Dalam rangka mengelola tingkat kepercayaan stakeholders In order to manage the level of stakeholder trust that arises
yang muncul dari persepsi negatif terhadap Bank, guna from negative perceptions of the Bank, in order to minimize
meminimalkan risiko reputasi dengan prinsip kehati-hatian reputation risk with prudent banking principles, the Bank has
perbankan, Bank memiliki organisasi manajemen risiko a reputational risk management organization that includes:
reputasi yang mencakup:
1. Dewan Komisaris yang bertanggung jawab antara 1. The Board of Commissioners is responsible for, among
lain menjalankan fungsi pengawasan risiko reputasi others, carrying out the reputational risk control which
yang dilakukan melalui Risk Oversight Committee, Audit is carried out through the Risk Oversight Committee, the
Committee, dan GCG Committee. Audit Committee, and the GCG Committee.
2. Direksi bertanggung jawab memastikan fungsi 2. The Board of Directors is responsible for ensuring that the
manajemen risiko reputasi berjalan sesuai tujuan reputational risk management function runs according
strategis, skala, karakteristik bisnis dan profil risiko to strategic objectives, scale, business characteristics and
reputasi serta memastikan adanya integrasi penerapan reputational risk profile as well as ensuring the integration
manajemen risiko reputasi dengan risiko lainnya yang of reputational risk management implementation with
dapat berdampak bagi Bank. other risks that may impact the Bank.
3. Unit kerja terkait risiko reputasi terutama 3. Work units related to reputational risk are mainly carried
dilaksanakan oleh: out by:
a. Unit Corporate Affairs yang bertanggung jawab a. The Corporate Affairs Unit is responsible for, among
antara lain dalam melakukan pengawasan dan others, supervising and managing the Bank’s
pengelolaan risiko reputasi Bank, baik untuk hal- reputational risk, both for matters that include
hal yang mencakup evaluasi atas isu yang beredar, evaluation of outstanding issues, news developments
perkembangan berita di pasar dan persepsi publik in the market and public perception of the company
atas perusahaan dan pemegang saham. and its shareholders.
b. Unit Operation Services yang melakukan evaluasi b. Operation Services Unit that evaluates the potential
atas potensi risiko reputasi Bank dengan melakukan risk of the Bank’s reputation by managing and
pengelolaan dan penyelesaian terhadap keluhan- resolving customer complaints.
keluhan nasabah.
c. Unit Marketing & Customer Management yang c. The Marketing & Customer Management Unit is
bertanggung jawab melakukan pemantauan responsible for monitoring news coverage of the
pemberitaan atas Bank di media sosial. Bank on social media.

2021 Annual Report
Strategi Manajemen Risiko Reputasi Reputational Risk Management Strategy

BMI telah melakukan strategi manajemen risiko reputasi BMI has executed its reputational risk management strategy
dengan melakukan, antara lain: by performing the following:
1. Memantau secara aktif atas berita-berita yang 1. Monitoring current news, information on market
beredar, informasi atas perkembangan pasar, persepsi developments, stakeholder perceptions and publications
stakeholders dan publikasi di media massa yang in the mass media and social media. These are managed
dilakukan oleh unit Corporate Affairs dan di media by Corporate Affairs unit and Marketing and Customer
sosial yang dilakukan oleh unit Marketing and Customer Management unit.
Management.
2. Memantau frekuensi umpan balik melalui berbagai 2. Monitoring feedback through various social media
platform media sosial. platforms.
3. Menginformasikan pemberitaan positif mengenai Bank 3. Sharing information regarding positive news about the
terkait dengan aktivitas dan prestasi yang diraih. Bank related to activities and achievements.
4. Berpartisipasi dalam event media sebagai bagian dari 4. Participating in media events as a part of the Bank’s
upaya media engagement. media engagement efforts.
5. Membangun komunikasi yang baik kepada publik, baik 5. Building a good relationship with the public through
melalui penyampaian informasi secara langsung oleh the delivery of information by the Director/branch
Direktur/pimpinan cabang, keterlibatan konsultan head, involvement of communication consultants and
komunikasi dan aktivitas media sosial untuk menangani social media activities, as well as the appointment of
isu BMI di media sosial, serta penunjukkan PR consultant PR consultants to assist in the implementation of BMI’s
guna membantu pelaksanaan strategi komunikasi aksi corporate action communication strategy.
korporasi BMI.
6. Menyiapakan Frequently Asked Question (FAQ) dan 6. Preparing Frequently Asked Questions (FAQ) and
standby statement jika ada potensi berita/isu negatif. standby statements should there be potential adverse
media news/issues.
7. Melaksanakan complaint handling dengan baik kepada 7. Handling complaints from customers in accordance with
nasabah dan sesuai dengan tenggat waktu yang telah specified deadlines.
ditentukan.
8. Melakukan pengembangan perbaikan layanan Bank, baik 8. Improving the Bank’s services, both in terms of human
dari sisi sumber daya manusia maupun dari digitalisasi resources and digitalization.
layanan kepada stakeholders.
Kebijakan dan Mekanisme dalam Rangka Policies and Mechanisms to Improve Services for
Meningkatkan Kualitas Pelayanan kepada Customers and Other Stakeholders to Control
Nasabah dan Stakeholders Lainnya untuk Reputational Risk
Mengendalikan Risiko Reputasi
Untuk mengelola risiko reputasi, Bank telah melakukan The Bank has taken a number of actions to manage
beberapa hal, antara lain: reputational risk, including:
1. Melakukan penyusunan ketentuan penanganan 1. Preparing procedural provisions for handling customer
pengaduan nasabah yang secara jelas mengatur complaints to guide the related units that perform
kebijakan, prosedur, unit kerja yang melakukan customer complaint management.
pemantauan dan pelaporan seputar penanganan
pengaduan nasabah.
2. Melakukan pemantauan atas keluhan nasabah dalam 2. Monitoring customer complaints through reports for the
bentuk laporan pengaduan nasabah dan hasilnya heads of each related unit and the relevant Directors.
dilaporkan secara rutin kepada kepala unit kerja masing-
masing dan secara khusus disampaikan kepada Direksi
terkait.
3. Menganalisis laporan keluhan nasabah dan digunakan 3. Analyzing customer complaint reports and utilizing them
untuk mendukung Bank dalam pengembangan proses to support the Bank in developing a systematic complaint
penanganan keluhan secara sistematis. handling process.

4. Memantau pemberitaan dan pengelolaan komunikasi 4. Monitoring the reporting and management of
serta pemantauan opini/komentar media atau media communication as well as monitoring opinions/
sosial serta pemilihan strategi serta tindak lanjut yang comments on media or social media, as well as the
diperlukan dikoordinasikan dan dilakukan oleh unit selection of strategies and necessary follow-ups
Corporate Affairs. Evaluasi secara harian, mingguan, coordinated and carried out by the Corporate Affairs Unit.
bulanan, triwulan, dan tahunan atas risiko reputasi yang Daily, weekly, monthly, quarterly and annual evaluations
dihadapi Bank, juga dituangkan dalam Laporan Media of the Bank’s Reputational risk are also included in the
Monitoring. Media Monitoring Report.
Pengelolaan Risiko Reputasi Saat Krisis Reputational Risk Management during Crisis
Sebagai upaya mengelola risiko reputasi pada saat krisis, In an effort to manage reputational risk in times of crisis, the
Bank telah melakukan pengelolaan crisis communication Bank implements crisis communication management, which
yaitu tindakan untuk mengoordinasikan komunikasi krisis includes crisis communication with internal and external
kepada pihak internal dan eksternal Bank, termasuk media parties, including the mass media. At all stages of the crisis,
massa. Pada semua tahapan krisis telah diatur mengenai alur the communication protocol flow and the person in charge
protokol komunikasi dan penanggung jawab komunikasi. of communication have been regulated.
Pengelolaan risiko reputasi pada saat krisis dilakukan Reputational risk management in times of crisis is carried out
melalui penetapan standar Crisis Contingency Plan yang through the establishment of a standard Crisis Contingency
diimplementasikan ketika terjadi krisis dari skala ringan Plan which is implemented when a crisis occurs from a mild
hingga skala berat. Crisis Contingency Plan terdiri dari: to a severe scale. The Crisis Contingency Plan consists of:
1. Review masalah atau kronologis; 1. Review of issues or chronologies;
2. alur informasi; 2. flow of information;
3. penentuan person in charge; 3. appointment of person in charge;
4. penetapan kewenangan dan juru bicara; 4. determination of authority and spokesperson;
5. jadwal aktivitas penanganan krisis; 5. schedule of crisis management activities;
6. alternatif strategi komunikasi; dan 6. alternative communication strategy; and
7. evaluasi. 7. evaluation.
RISIKO STRATEJIK STRATEGIC RISK

Manajemen Risiko Stratejik Strategic Risk Management
Risiko stratejik adalah risiko akibat ketidaktepatan dalam Strategic risk is associated with making and/or implementing
pengambilan dan/atau pelaksanaan suatu keputusan wrong strategic decisions and failure to anticipate changes
stratejik serta kegagalan dalam mengantisipasi perubahan in the business environment. This risk arises when the
lingkungan bisnis. Risiko ini timbul antara lain karena Bank Bank’s devised strategy is not in line with the Bank’s vision
menetapkan strategi yang kurang sejalan dengan visi dan and mission, or is caused by incomprehensive strategic
misi perusahaan, melakukan analisis stratejik yang tidak environmental analysis, and/or strategic plan discrepancies
komprehensif, dan/atau terdapat ketidaksesuaian rencana between strategic levels.
stratejik (strategic plan) antar level stratejik.
Selain itu risiko stratejik juga timbul karena kegagalan dalam In addition, strategic risk also arises due to failure to
mengantisipasi perubahan lingkungan bisnis mencakup anticipate changes in the business environment, including
kegagalan dalam mengantisipasi perubahan teknologi, failure to anticipate changes in technology, macroeconomic
perubahan kondisi ekonomi makro, dinamika kompetisi di conditions, competition in the market, and policies.
pasar, dan perubahan kebijakan otoritas terkait.
Dampak terhadap kegiatan usaha Bank dari risiko stratejik The impact of strategic risk on the Bank’s business activities
pada pelaksanaan strategi BMI yang tidak tepat, pengambilan can take the form of the implementation of inappropriate
keputusan bisnis yang tidak tepat atau kurang responsifnya Bank strategies, inappropriate business decision making or
perusahaan terhadap perubahan eksternal. a lack of responsiveness to external changes.

2021 Annual Report
Organisasi Manajemen Risiko Stratejik Strategic Risk Management Organization

Untuk meminimalkan risiko stratejik sesuai dengan To minimize strategic risk in accordance with the prudential
prinsip kehati-hatian perbankan, Bank memiliki organisasi banking principle, the Bank’s strategic risk management
manajemen risiko stratejik yang mencakup: organization includes the following:
1. Dewan Komisaris yang bertanggung jawab antara lain 1. The Board of Commissioners is responsible for strategic
menjalankan fungsi pengawasan risiko stratejik yang risk oversight, which can also be implemented by the
juga dapat dilakukan melalui Risk Oversight Committee, Risk Oversight Committee, the Audit Committee and the
Audit Committee dan GCG Committee. GCG Committee.
2. Direksi bertanggung jawab memastikan bahwa 2. The Board of Directors is responsible for strategic risk
fungsi manajemen risiko stratejik berjalan dengan management and preparing strategic plans and business
baik dan menyusun rencana stratejik dan inisiatif initiatives as outlined in the Bank’s business plan to
bisnis yang dituangkan dalam rencana bisnis Bank control the direction of business activities and minimize
untuk mengendalikan arahan kegiatan usaha dan any emerging strategic risks.
meminimalkan timbulnya risiko stratejik.
3. Dewan Pengawas Syariah bertanggung jawab antara lain 3. The Sharia Supervisory Board is responsible for ensuring
memastikan pemenuhan prinsip syariah dalam strategi the adoption of sharia principles in the Bank’s business
bisnis Bank. strategy.
4. Unit kerja terkait risiko stratejik terutama dilaksanakan 4. The Business Finance & Planning unit supports the
oleh unit Business Finance & Planning yang mendukung formulation of the Bank’s business plan and monitors
perumusan rencana bisnis Bank serta memantau its implementation by preparing realization reports and
pelaksanaannya dengan menyusun laporan realisasi reviewing the Bank’s business targets, both financial and
dibandingkan rencana bisnis, dan melakukan kaji ulang non-financial. The Bank’s business plan is prepared in
target bisnis Bank baik yang bersifat finansial maupun coordination with all of its business units.
non finansial. Penyusunan rencana bisnis Bank dilakukan
berkoordinasi dengan seluruh unit kerja di Bank.
Kebijakan untuk Mengidentifikasi dan Merespons Identifying and Responding to Changes in the
Perubahan Lingkungan Bisnis: Eksternal dan Internal and External Business Environment
Internal
Pengelolaan risiko stratejik bertujuan untuk melindungi Strategic risk management aims to protect the Bank from
Bank akibat ketidaktepatan dalam pengambilan dan/atau the risks associated with making inaccurate strategic
pelaksanaan suatu keputusan stratejik serta kegagalan decisions and failure to anticipate changes in the business
dalam mengantisipasi perubahan lingkungan bisnis. Pada environment. In 2021, the Bank minimized strategic risk in
tahun 2021, Bank telah melaksanakan sejumlah hal untuk the following ways.
meminimalkan risiko stratejik sesuai dengan prinsip
kehati- hatian.
1. Organisasi manajemen risiko stratejik memastikan 1. Ensuring that the Sharia Supervisory Board, the Board
bahwa Dewan Pengawas Syariah, Dewan Komisaris of Commissioners and the Board of Directors, and the
dan Direksi beserta komite di bawahnya melaksanakan committees under them, performed their functions in the
fungsinya dengan baik. Termasuk dalam organisasi appropriate manner. This included the establishment of
manajemen risiko adalah unit Business Finance a Business Finance & Planning unit to manage strategic
and Planning untuk mengelola risiko stratejik yang risk by supporing the preparation of the Bank’s business
mendukung perumusan rencana bisnis Bank dan plan and monitoring its implementation, preparing
memantau pelaksanaannya dengan menyusun laporan realization reports and reviewing the Bank’s business
realisasi dibandingkan rencana bisnis, serta melakukan targets, both financial and non-financial. 
kaji ulang target bisnis  Bank baik yang bersifat finansial
mau pun non finansial.
2. Melaksanakan inisiatif strategis dalam rencana bisnis 2. Implementation of strategic initiatives in accordance
sesuai dengan fokus strategi Bank tahun 2021, seperti with the Bank’s 2021 strategic focus, such as focusing on
fokus penyaluran pembiayaan di sektor berisiko rendah financing distribution to low-risk and high-profit sectors
dan memberikan keuntungan tinggi di sektor Islami, in the Islamic sector, the growth of low-cost funds, and
fokus pertumbuhan dana murah, serta optimalisasi optimizing fee-based income.
pendapatan berbasis jasa.

3. Mendukung strategi perusahaan dengan fokus pada 3. Support of the Bank’s strategy of organizational
proses transformasi organisasi Bank agar lebih efisien. transformation to increase efficiency.
4. Menetapkan inisiatif strategis Bank yang disesuaikan 4. Adjusting the Bank’s strategic initiatives to its business
dengan fokus bisnis Bank untuk mendorong tercapainya focus to encourage the achievement of cost efficiency
efisiensi biaya dan pertumbuhan bisnis yang lebih and sustainable business growth.
menguntungkan dan berkelanjutan.
5. Melaksanakan proses corporate action yang diperlukan 5. Carry out corporate action processes required by the
Bank untuk peningkatan Modal dan lain-lain. Bank to increase Capital and others.
Mekanisme Mengukur Kemajuan dari Rencana Mechanism of Business Plan Progress Assessment
Bisnis
Secara berkelanjutan, Bank melakukan berbagai upaya The Bank made efforts to measure the progress of its
dalam mengukur kemajuan dari rencana bisnis di tahun business plan in 2021,among others by:
2021, antara lain dengan:
1. Identifikasi, pengukuran, pemantauan risiko stratejik 1. Identification, measurement, monitoring of strategic
dan penyusunan laporan profil risiko stratejik secara risks and preparation of strategic risk profile reports on
berkala. a regular basis.
2. Penyusunan laporan realisasi Rencana Bisnis Bank 2. Preparation of reports on the realization of the Bank’s
yang antara lain memuat pencapaian kinerja keuangan Business Plan, which includes among others financial
(realisasi vs target), realisasi program kerja perusahaan performance achievements (realization vs. targets),
dan realisasi pengembangan/perubahan jaringan realization of company work programs and realization of
kantor. office network development/changes.
Risiko Kepatuhan Compliance Risk
Pengungkapan Eksposur dan Penerapan Disclosure on Exposure and Implementation of

Manajemen Risiko Kepatuhan Compliance Risk Management
Risiko kepatuhan adalah risiko akibat Bank tidak mematuhi Compliance risk is the risk due to the Bank not complying
dan/atau tidak melaksanakan peraturan perundang- with and/or not implementing the laws and regulations.
undangan dan ketentuan. Risiko kepatuhan dapat Compliance risk may arise from, among others, legal
bersumber antara lain dari perilaku hukum yaitu perilaku behavior, namely the behavior or activities of the Bank that
atau aktivitas Bank yang menyimpang atau melanggar dari deviate or violate the provisions and/or laws and regulations
ketentuan dan/atau peraturan perundang-undangan dan as well as organizational behavior, namely the behavior or
perilaku organisasi, yaitu perilaku atau aktivitas Bank yang activities of the Bank that deviate or conflict with generally
menyimpang atau bertentangan dari standar yang berlaku accepted standards.
secara umum.
Bank yang berada di bawah pengawasan Otoritas Jasa BMI is under the supervision of the Financial Services
Keuangan (OJK) harus tunduk pada peraturan perbankan dan Authority (FSA) so it must comply with banking regulations
perundangan relevan lainnya yang dari waktu ke waktu terus and other relevant laws. As a public company, BMI is also
diperbaharui sesuai dengan perkembangan perekonomian subject to the prevailing capital market regulations in
dan pasar komersial serta keuangan Indonesia. Sebagai Indonesia. The management is required to respond to any
perusahaan terbuka, BMI juga tunduk pada peraturan- regulatory updates as a failure to do so could have an impact
peraturan pasar modal yang berlaku di Indonesia. Dalam on the Bank’s business activities and performance.
rangka mengantisipasi dan menyikapi pembaharuan dan
perubahan peraturan-peraturan tersebut, pihak manajemen
dituntut untuk dapat melakukan penyesuaian. Kegagalan
dalam melakukan penyesuaian berdampak pada kegiatan
usaha dan kinerja Bank.
Organisasi Manajemen Risiko Kepatuhan Compliance Risk Management Organization

Untuk meminimalkan risiko kepatuhan sesuai dengan prinsip To minimize compliance risk, the Sharia Supervisory Board,
kehati-hatian perbankan, Bank telah memiliki organisasi the Board of Commissioners, the Board of Directors, and
manajemen risiko kepatuhan. Dewan Pengawas Syariah, the committees under them, perform their functions
Dewan Komisaris dan Direksi beserta komite di bawahnya in the appropriate manner. The Bank’s compliance risk
melaksanakan fungsinya dengan baik. Termasuk dalam management includes the establishment of a Compliance

2021 Annual Report
organisasi manajemen risiko kepatuhan adalah dibentuknya Unit as an independent unit that performs compliance
Satuan Kerja Kepatuhan (SKK) sebagai unit independen yang functions as governed by the regulators.
menjalankan fungsi-fungsi kepatuhan sebagaimana diatur
oleh ketentuan regulator.
Strategi Manajemen Risiko Kepatuhan Compliance Risk Management Strategy

Bank telah mengimplementasikan strategi manajemen risiko The Bank has devised a compliance risk management
kepatuhan, di antaranya: strategy, which includes:
1. Meninjau dan memberikan dukungan dalam bentuk 1. Compiling compliance risk reviews for other units in
tinjauan risiko kepatuhan kepada unit lain dalam relation to the issuing/developing of products, programs,
melakukan penerbitan/pengembangan produk, or operational activities, including internal policies that
program, atau aktivitas operasional, termasuk ketentuan are drafted/updated by the related unit.
internal yang sedang disusun/diperbaharui oleh unit
kerja.
2. Melakukan sosialisasi/sharing informasi terhadap 2. Conducting socialization/sharing of information on new
regulasi baru yang diterbitkan oleh regulator dan regulations issued by regulators and conducting training
melaksanakan pelatihan terkait kepatuhan kepada related to compliance with employees.
karyawan.
3. Menyampaikan laporan-laporan secara periodik kepada 3. Submitting periodic reports to the regulators and other
regulator dan pihak terkait lain. related parties;
4. Melakukan compliance checklist untuk memastikan 4. Carry out a compliance checklist to ensure operational
kesiapan operasional untuk pelaksanaan rencana readiness for the implementation of office and service
jaringan kantor dan layanan serta perizinan produk network plans as well as product licensing before
sebelum disampaikan kepada regulator. submitting to regulators.
Strategi dan Efektivitas Penerapan Manajemen Strategy and Effectiveness of Implementation of

Risiko Kepatuhan Compliance Risk Management
BMI melakukan strategi dan efetivitas penerapan manajemen BMI implements the strategy and effectiveness of
risiko kepatuhan melalui: implementing compliance risk management through:
1. Menguatkan penerapan Program Anti Pencucian Uang 1. Strengthening the effective and efficient implementation
dan Pencegahan Pendanaan Terorisme (APU PPT) yang of the Anti Money Laundering dan Prevention of
efektif dan efisien. Terrorism Funding (APU PPT) Programs.
2. Memberikan opini/saran dari sisi kepatuhan kepada unit 2. Providing compliance-related opinions/advice to other
kerja terkait dengan pengembangan produk, program, units related to product development, programs,
ketentuan, aktivitas operasional dan permasalahan regulations, operational activities and compliance issues;
kepatuhan yang dihadapi.
3. Menilai dan mengevaluasi efektivitas, kecukupan, 3. Assessing and evaluating the effectiveness, adequacy,
dan kesesuaian kebijakan, ketentuan, sistem maupun and conformity of the Bank’s policies and procedures
prosedur yang dimiliki oleh Bank dengan ketentuan with the prevailing laws and regulations, and sharia
peraturan perundang-undangan dan ketentuan syariah provisions.
yang berlaku.
4. Melakukan peningkatan kualitas sumber daya manusia 4. Improving the capacity of human resources in relation to
dari sisi kepatuhan. compliance.
5. Meningkatkan budaya kepatuhan seluruh unit kerja 5. Improving the compliance culture of all business units
melalui sosialisasi regulasi, sharing informasi, materi through the socialization of regulations, information
pelatihan, dan compliance awareness. sharing, and compliance awareness.
6. Melaksanakan uji petik Dewan Pengawas Syariah secara 6. Conducting Sharia Supervisory Board sampling tests on
semesteran guna memantau dan melihat pelaksanaan a semi-annual basis to ensure compliance with sharia
aktivitas bisnis yang telah dilakukan telah memenuhi principles.
prinsip syariah.
7. Memantau indikator-indikator aspek prudential banking 7. Regularly monitoring the indicators of prudent banking
secara berkala dan menyampaikannya kepada Direksi. and submitting the monitoring results to the Board of
Directors.

Mekanisme Pemantauan dan Pengendalian Compliance Risk Monitoring and Control

Risiko Kepatuhan Mechanism
Bank menerapkan proses manajemen risiko kepatuhan The Bank performs a compliance risk management process
dengan mengimplementasikan prinsip dan kebijakan by applying compliance principles and policies that are
kepatuhan yang didukung dengan pelaksanaan program- supported by the implementation of compliance programs,
program kepatuhan, antara lain: including:
1. Melakukan sosialisasi/pelatihan atas ketentuan 1. Conducting socialization/training about external
eksternal. regulations.
2. Melakukan uji kepatuhan atas ketentuan internal, 2. Conducting compliance tests on internal regulations,
produk dan aktivitas baru agar sesuai dengan ketentuan new products and activities to ensure that they comply
regulator maupun kesesuaiannya dengan kaidah-kaidah with all regulatory requirements and sharia principles.
syariah.
3. Memantau komitmen atas arahan, masukan maupun 3. Monitoring commitments for direction, input, and audit
tindak lanjut audit kepada regulator. follow-up to regulators.
4. Melakukaan penilaian sendiri atas kualitas profil risiko 4. Conducting self-assessments of the Bank’s compliance
kepatuhan Bank. risk profile.
Risiko Imbal Hasil Rate of Return Risk
Pengungkapan Eksposur dan Penerapan Exposure Disclosure and Implementation Rate of

Manajemen Risiko Imbal Hasil Return Risk Management
Risiko imbal hasil (rate of return risk) adalah risiko akibat Rate of return risk is the risk due to changes in the rate of
perubahan tingkat imbal hasil yang dibayarkan Bank return paid by the Bank to customers as a result of changes
kepada nasabah akibat dari perubahan tingkat imbal in the rate of return received by the Bank from disbursing
hasil yang diterima Bank dari penyaluran dana, yang funds, which may affect the behavior of customers of the
dapat mempengaruhi perilaku nasabah dana pihak ketiga company’s third party funds.
perusahaan.
Risiko ini timbul antara lain karena adanya perubahan Such risk arises due to changes in the behaviors of the Bank’s
perilaku nasabah dana pihak ketiga Bank yang disebabkan third party fund customers caused by the changes in the
oleh perubahan ekspektasi tingkat imbal hasil yang diterima expected rate of returns received from the Bank. Changes
dari Bank. Perubahan ekspektasi bisa disebabkan oleh in expectations can be triggered by internal factors such as
faktor internal seperti menurunnya nilai aset Bank dan/atau a decrease in the value of the Bank’s assets and/or external
faktor eksternal seperti naiknya imbal hasil yang ditawarkan factors such as increasing returns/yields offered by other
bank lain. Dampak terhadap kegiatan usaha Bank jika terjadi banks. The impact on the Bank’s business activities if there
perubahan ekspektasi tingkat imbal hasil tersebut dapat is a change in the expected rate of return may trigger the
memicu perpindahan dana dari Bank kepada bank lain. transfer of funds from the Bank to other banks.
Organisasi Manajemen Risiko Imbal Hasil Rate of Return Risk Management Organization
Untuk meminimalkan risiko imbal hasil sesuai dengan prinsip To minimize the rate of return risk in accordance with the
kehati-hatian perbankan, Bank telah memiliki organisasi principles banking prudence, the Bank has a rate of return
manajemen risiko imbal hasil, meliputi: risk management organization, including:
Organisasi
Organization
Board of Commissioners Menjalankan fungsi pengawasan risiko imbal hasil Return risk monitoring, which can also be
yang juga dapat dilakukan melalui Risk Oversight conducted by the Risk Oversight Committee, the
Committee, Audit Committee dan GCG Committee. Audit Committee and the GCG Committee.
Direksi Antara lain: Include:
Board of Directors 1. Memastikan bahwa fungsi manajemen risiko 1. Ensuring that the return risk management
imbal hasil berjalan dengan baik; function is performed well;
2. Menetapkan pricing atas aktivitas pendanaan 2. Determining the pricing for funding and
dan pembiayaan yang dilakukan melalui ALCO financing activities conducted through ALCO
dan atau Risk Management Committee. and/or the Risk Management Committee.
Dewan Pengawas Syariah Antara lain: Include:
Sharia Supervisory Board Memastikan bahwa perhitungan imbal hasil pada Ensuring that the calculation of returns on
sisi pendanaan dan pembiayaan sesuai prinsip funding and financing has been made in
syariah. accordance with sharia principles.

2021 Annual Report
Organisasi
Organization
Unit Treasuri Antara lain: Include:
Treasury Unit Melakukan fungsi pengelolaan dana Bank secara Managing Bank funds on a daily basis and
harian dan pengelolaan risiko imbal hasil yang managing risk of return whose functions are
fungsinya dilaksanakan oleh unit Asset & Liability conducted by the Asset & Liability Management
Management (ALMA). (ALMA) unit.
SKMR Antara lain: Include:
SKMR Mendukung fungsi ALCO dalam melakukan Supporting the ALCO in monitoring the risk of
pemantauan atas risiko imbal hasil. return.
Unit Business Finance & Planning Melakukan analisis cost of funds, margin, dan Fund Analyze the Bank’s cost and funds, margin and
Unit Business Finance & Planning Transfer Pricing (FTP) Bank Fund Transfer Pricing (FTP)
Strategi Manajemen Risiko Imbal Hasil Rate of Return Risk Management Strategy
Bank melakukan strategi dalam pengelolaan manajemen The Bank has a return risk management strategy, which
risiko imbal hasil yang dilakukan dengan: includes:
1. Mengontrol cost of funds dan Net Profit Margin dengan 1. Controlling the cost of funds and Net Profit Margin by
melakukan evaluasi pada Hi-1000 untuk menentukan evaluating Hi-1000 to determine customer profit sharing.
bagi hasil nasabah.
2. Menetapkan pricing atas dana dan pembiayaan pada 2. Determining the pricing for funds and financing at a
level tertentu sebagaimana dibahas dalam rapat ALCO. certain level as discussed in ALCO meetings.
3. Melakukan inisiasi reformulasi perhitungan nisbah 3. Initiating the reformulation of the ratio calculation to
untuk menghasilkan keuntungan yang layak bagi Bank generate profits for the Bank and its customers.
dan nasabah.
Mekanisme Pemantauan dan Pengendalian Rate of Return Risk Risk Monitoring and Control
Risiko Imbal Hasil Mechanism
Dalam hal pencapaian imbal hasil, Bank memiliki target yang In terms of achieving returns, the Bank has established
telah dirumuskan dan tertuang dalam rencana bisnis Bank. targets that are outlined in the Bank’s business plan, which
Rencana bisnis Bank terkait dengan imbal hasil ini menjadi serve as the Bank’s main reference point when evaluating
acuan utama bagi Bank dalam mengevaluasi pencapaiannya its achievements. The results of the evaluations of such
secara berkala. Hasil dari evaluasi pencapaian imbal hasil returns are usually be submitted to ALCO, or can be followed
biasanya akan disampaikan dalam ALCO, atau dapat juga up through ad hoc meetings between eh ALMA unit and the
ditindaklanjuti melalui rapat adhoc antar unit kerja ALMA business units.
dan unit bisnis.
Risiko Investasi Investment Risk

Manajemen Risiko Investasi Investment Risk Management
Risiko investasi adalah risiko akibat Bank ikut menanggung Investment risk is associated with the risk of the Bank
kerugian usaha nasabah yang dibiayai dalam pembiayaan bearing a portion of a customer’s business losses that are
bagi hasil. Risiko ini timbul apabila Bank memberikan financed under a profit-sharing scheme. Such risk arises
pembiayaan berbasis bagi hasil kepada nasabah di mana when the Bank provides profit-sharing-based financing to a
Bank ikut menanggung risiko atas kerugian usaha nasabah customer where the Bank also bears the risk of loss from
yang dibiayai. Dampak terhadap kegiatan usaha Bank the financed customer’s business. Should the customer’s
apabila usaha nasabah mengalami kebangkrutan, maka business go bankrupt, the impact on the Bank’s business
jumlah pokok pembiayaan yang diberikan Bank kepada activities includes the non-recoverable principal amount of
nasabah tidak akan diperoleh kembali. financing provided by the Bank to the customer.
Organisasi Manajemen Risiko Investasi   Investment Risk Management Organization

Untuk meminimalkan risiko investasi sesuai dengan prinsip To minimize investment risk, the Bank has an investment risk
kehati-hatian perbankan, Bank telah memiliki organisasi management organization that includes:
manajemen risiko investasi yang mencakup:

Organisasi
Organization
Board of Commissioners Menjalankan fungsi pengawasan risiko invetasi Performing investment risk oversight, which
yang juga dapat dilakukan melalui Risk Oversight can also be carried out by the Risk Oversight
Committee, Audit Committee dan GCG Committee. Committee, the Audit Committee and the GCG
Committee.
Direksi Antara lain: Include:
Board of Directors 1. Memastikan bahwa fungsi manajemen risiko 1. Ensuring that the investment risk management
invetasi berjalan dengan baik. function is performed in the appropriate
2. Memastikan bahwa kualitas pembiayaan manner.
yang mengandung risiko investasi terjaga 2. Ensuring high quality of financing with
kualitasnya. investment risk.
Unit kerja terkait dengan risiko 1. Lini pertahanan pertama manajemen risiko 1. The first line of defense for investment risk
invetasi, terdiri dari unit kerja yang invetasi adalah unit bisnis terkait pembiayaan management is the financing business unit
berdasarkan 3 (tiga) lini pertahanan (termasuk unit kerja pengelola pembiayaan (including the non-performing financing
manajemen risiko bermasalah), unit kerja risiko pembiayaan management unit), the financing risk unit
Business units related to investment dan unit kerja operasional pembiayaan, yang and the financing operational unit, which are
risk, consisting of business units langsung berhadapan dengan risiko dan directly exposed to risk and are responsible for
based on 3 (three) risk management bertanggung jawab untuk mengembangkan developing awareness to minimize investment
defense lines kesadaran untuk meminimalkan risiko risk.
investasi.
2. Lini pertahanan kedua manajemen risiko 2. The second line of defense for investment
investasi adalah SKMR, unit kepatuhan dan risk management is the SKMR, including the
unit legal, yang bertanggung jawab antara compliance unit and legal unit, which are
lain melakukan pengembangan strategi responsible for developing investment risk
manajemen risiko invetasi, dan memberikan management strategies, and providing input
masukan serta arahan kepada unit kerja terkait and direction to business units related to
pembiayaan mengenai proses pengelolaan financing and the investment risk management
risiko investasi, pengukuran risiko investasi process, investment risk measurements and
dan pelaporan pembiayaan pada sistem Bank. financing reporting.
3. Lini pertahanan ketiga manajemen risiko
investasi adalah unit internal audit yang 3. The third line of defense for investment risk
bertanggung jawab melakukan risk-based management is the internal audit unit, which
audit yang memberikan added value kepada is responsible for conducting risk-based audits
lini pertahanan pertama dan kedua, untuk that provide added value to the first and second
memastikan bahwa seluruh elemen Bank telah lines of defense and ensuring that all elements
melaksanakan fungsi dan tanggung jawabnya of the Bank have completed their functions
dengan baik termasuk memastikan kesesuaian and responsibilities including compliance with
dengan kebijakan manajemen Bank Muamalat Bank Muamalat’s management policies and
dan regulasi yang berlaku. regulations
Strategi Manajemen Risiko Investasi Investment Risk Management Strategy

Bank telah melakukan strategi manajemen risiko invenstasi The Bank has an investment risk management strategy,
melalui antara lain: which includes:
1. Melakukan pemantauan dan perbaikan pembiayaan 1. Monitoring and improving financing based on profit
berdasarkan akad pembiayaan berbasis bagi hasil dan sharing based financing contract and improving the
memperbaiki kualitas pembiayaan berbasis bagi hasil quality of financing based on the profit-sharing scheme.
secara terus menerus.
2. Melakukan kajian atas kinerja pembiayaan termasuk 2. Conducting studies on financing performance including
pembiayaan berbasis bagi hasil, dan melakukan kajian profit-sharing based financing, as well as conducting
untuk mengembangkan ketentuan produk pembiayaan studies to develop provisions for contract-based
berdasarkan akad dengan mitigasi yang memadai financing products with adequate mitigation steps to
sehingga mengurangi risiko bagi Bank. reduce risk.
Mekanisme Pemantauan dan Pengendalian Investment Risk Monitoring and Control

Risiko Investasi Mechanism
Sebagai upaya meminimalkan potensi kerugian yang timbul In an effort to minimize potential losses arising from the
karena perolehan hasil investasi yang tidak sesuai dengan acquisition of investment returns that are not in alignment
harapan, Bank senantiasa melakukan pemantauan atas with expectations, the Bank monitors financing performance
kinerja pembiayaan dan melakukan kajian serta evaluasi and conducts studies and evaluations to minimize possible
untuk memastikan bahwa Bank telah melaksanakan losses and maximize profit.
fungsinya dengan baik sehingga dapat meminimalkan
kemungkinan kerugian dan memaksimalkan potensi
keuntungan.

2021 Annual Report
Tabel 1.1. Pengungkapan Tagihan Bersih berdasarkan Wilayah

Table 1.1. Individual Disclosure of Net Claims by Region
31 Desember 2021 | December 31, 2021
Tagihan Bersih berdasarkan Wilayah

Kategori Portofolio Net Claim by Region
No.
Portfolio Categories
Jabodetabek Jawa Sumatera Kalimantan Lainnya Total
Greater Jakarta Java Sumatra Kalimantan Others Total
(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan kepada Pemerintah 23.687.029 – – – – 23.687.029
Claim to The Government
2 Tagihan kepada Entitas Sektor 473.490 71.049 103.378 – – 647.917
Publik
Claim to Public Sector Entities
3 Tagihan kepada Bank – – – – – –
Pembangunan Multilateral dan
Lembaga Internasional
Claim to the Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank 1.362.232 376.155 20.878 116.430 223.040 2.098.735
Claim to The Bank
5 Pembiayaan Beragun Rumah 823.777 1.318.181 324.312 250.397 889.265 3.605.932
Tinggal
Residential Mortgage Loans
6 Pembiayaan Beragun Properti 5.243 213.754 16.602 12.749 35.828 284.176
Komersial
Commercial Property Mortgage
Loans
7 Pembiayaan Pegawai/ 16.862 30.796 26.272 5.415 17.679 97.024
Pensiunan
Retired Employee Credit
8 Tagihan kepada Usaha Mikro, 823.368 1.291.798 307.728 354.205 802.162 3.579.261
Usaha Kecil dan Portofolio Ritel
Claim to Micro, Small and
Retail Portfolio
9 Tagihan kepada Korporasi 10.413.556 2.417.980 1.291.934 1.070.491 2.676.458 17.870.419
Claim to Corporate
10 Tagihan yang Telah Jatuh – – – – – –
Tempo
Claim on Past Due
11 Aset Lainnya 2.465.462 2.280.513 242.211 1.873.314 230.092 7.091.592
Others Asset
Total 40.071.020 8.000.226 2.333.315 3.683.001 4.874.524 58.962.086

(dalam jutaan rupiah | in million rupiah)

Tagihan Bersih berdasarkan Wilayah

Net Claim by Region
Jabodetabek Jawa Sumatera Kalimantan Lainnya Total

Greater Jakarta Java Sumatra Kalimantan Others Total
(9) (10) (11) (12) (13) (14)

6.128.818 – – – – 6.128.818
4.938 70.218 114.845 – 5.592 195.593
– – – – – –
1.315.239 143.488 9.074 – 25.537 1.493.338
1.632.290 1.709.415 486.371 376.980 767.781 4.972.837
10.919 7.932 8.793 10.326 13.146 51.116
20.804 50.712 16.257 13.949 21.600 123.322
1.069.568 1.063.176 501.114 459.825 1.317.942 4.411.625
12.121.290 5.780.256 2.789.556 1.355.813 6.292.587 28.339.502
– – – – – –
4.313.037 642.912 256.108 88.209 279.701 5.579.967
26.616.903 9.468.109 4.182.118 2.305.102 8.723.886 51.296.118

2021 Annual Report
Tabel 1.2. Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
Table 1.2. Disclosure of Net Claims based on Remaining Contract Term

Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
Net Claims based Remaining Contract Term
Kategori Portofolio
No.
Non-
< 1 Tahun >1-3 Tahun >3-5 Tahun Total
Kontraktual
< 1 Year > 1-3 Years > 3-5 Years Total
Non-Contractual
(1) (2) (3) (4) (5) (7) (8)

1 Tagihan kepada Pemerintah 1.689.548 521.384 21.476.097 – 23.687.029
Claim to the Government
2 Tagihan kepada Entitas Sektor 444.025 103.378 100.514 – 647.917
Publik
Claim to Public Sector Entities
3 Tagihan kepada Bank – – – – –
Lembaga Internasional
Claim to the Multilateral
Development Banks and
4 Tagihan kepada Bank 1.520.782 242.050 335.903 – 2.098.735
Claim to the Bank
5 Pembiayaan Beragun Rumah 52.404 309.073 3.244.455 – 3.605.932
Tinggal
Residential Mortgage Loans
6 Pembiayaan Beragun Properti 174.966 18.744 90.466 – 284.176
Komersial
Commercial Property Mortgage
Loans
7 Pembiayaan Pegawai/Pensiunan 757 37.518 58.749 – 97.024
8 Tagihan kepada Usaha Mikro, 284.203 859.671 2.435.387 – 3.579.261
Usaha Kecil, dan Portofolio Ritel
Claim to Micro, Small, and Retail
Portfolio
9 Tagihan kepada Korporasi 4.022.838 2.108.245 11.739.336 – 17.870.419
Claim to Corporate
10 Tagihan yang Telah Jatuh Tempo – – – – –
Claim on Past Due
11 Aset Lainnya – – – 7.091.592 7.091.592
Others Asset
Total 8.189.523 4.200.063 39.480.907 7.091.592 58.962.086


Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
Net Claims based Remaining Contract Term
< 1 Tahun >1-3 Tahun >3-5 Tahun Non-Kontraktual Total

< 1 Year > 1-3 Years > 3-5 Years Non-Contractual Total
(9) (10) (11) (13) (14)

800.385 68.625 5.259.808 – 6.128.818
6.793 117.138 71.662 – 195.593
– – – – –
1.375.676 57.812 59.850 – 1.493.338
244.709 1.033.012 3.695.116 – 4.972.837
5.510 24.135 21.471 – 51.116
34.713 40.720 47.889 – 123.322
1.481.465 785.645 2.144.515 – 4.411.625
13.549.789 8.130.080 6.659.633 – 28.339.502
– – – – –
5.579.967 5.579.967
17.499.040 10.257.167 17.959.944 5.579.967 51.296.118

2021 Annual Report
Tabel 1.3. Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi

Table 1.3. Disclosure of Net Claims by Economic Sector
Tagihan
kepada Bank
Pembangunan
Multilateral
Tagihan kepada
Tagihan kepada dan Lembaga
Entitas Sektor Tagihan kepada
Sektor Ekonomi Pemerintah Internasional
No Publik Bank
Economic Sector Claim to the Claim to the
Claim to Public Claim to the Bank
Government Multilateral
Sector Entities
Development
Banks and
International
Institutions
(1) (2) (3) (4) (5) (6)
1 Pertanian, Perburuan, dan Kehutanan | Agriculture, – 71.129 – 1.232
Hunting, and Forestry
2 Perikanan | Fisheries – – – –
3 Pertambangan dan Penggalian | Mining and – – – –
Quarrying
4 Industri pengolahan | Manufacturing Industry – 29.508 – 204.624
5 Listrik, Gas, dan Air | Electricity, Gas, and Water – 103.830 – 128.679
6 Konstruksi | Construction – – – 45.963
7 Perdagangan Besar dan Eceran | Wholesale and Retail – – – 7.431
Trade
8 Penyediaan Akomodasi dan Penyediaan Makan – – – 17.151
minum | Accommodation Providers and Food and
Beverage Providers
9 Transportasi, Pergudangan, dan Komunikasi | – – – 18.108
Transportation, Storage, and Communication
10 Perantara Keuangan | Financial Brokers – 443.006 – 1.276.208
11 Real Estate, Usaha Persewaan, dan Jasa Perusahaan | – – – 72.231
Real Estate, Rental Business, and Corporate Services
12 Administrasi Pemerintahan, Pertahanan, dan Jaminan – – – –
Sosial Wajib | Public Administration, Defense and
Compulsory Social Security
13 Jasa Pendidikan | Education Services – – – 1.623
14 Jasa Kesehatan dan Kegiatan Sosial | Health Services – – – 11.136
and Social Activities
15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan, dan – – – 16.330
Perorangan Lainnya | Social Services, Socio-Cultural,
Entertainment and Other Individual
16 Jasa Perorangan yang Melayani Rumah Tangga | – – – –
Households Personal Services
17 Badan Internasional dan Badan Ekstra Internasional – – – –
Lainnya | International and Extra International
Agencies
18 Kegiatan yang Belum Jelas Batasannya | Undefined – – – 78.427
Activities
19 Bukan Lapangan Usaha | Not a Business Field – – – 100.940
20 Lainnya | Others 23.687.029 444 – 118.652
Total 23.687.029 647.917 – 2.098.735

Pembiayaan Tagihan kepada

Pembiayaan Beragun Pembiayaan Usaha Mikro, Tagihan yang
Tagihan kepada
Beragun Rumah Properti Pegawai/ Usaha Kecil dan Telah Jatuh
Korporasi Aset Lainnya
Tinggal Komersial Pensiunan Portofolio Ritel Tempo
Claim to Others Asset
Residential Commercial Retired Employee Claim to Micro, Claim on past
Corporate
Mortgage Loans Property Credit Small and Retail due
Mortgage Loans Portfolio
(7) (8) (9) (10) (11) (12) (13)
– 494 – 675.884 767.141 – –
– – – 912 – – –
3.758 – – 21.110 686.124 – –
– – – 387.479 2.264.820 – –
– – – – 1.334.067 – –
398 – – 56.270 902.983 – –
5.939 16.760 272 263.437 2.154.271 – –
1.007 565 – 42.814 1.495 – –
88.745 – – 38.441 462.532 – –
483 – 689 346.070 245.986 – –

325.978 190 – 103.099 767.180 – –
– – 36 536 – – –
728 7.117 – 460.385 129.786 – –

761 289 193 268.202 68.988 – –
778 884 – 231.501 25.289 – –
163 – – 4.205 – – –
– – – – – – –
1.168 19.496 2.587 135.188 – – –
3.169.310 46.075 87.566 512.919 5.125 – –

6.716 192.306 5.681 30.809 8.054.632 – 7.091.592
3.605.932 284.176 97.024 3.579.261 17.870.419 – 7.091.592

2021 Annual Report
Tagihan
kepada Bank
Pembangunan
Multilateral
Tagihan kepada
Tagihan kepada dan Lembaga
Entitas Sektor Tagihan kepada
Sektor Ekonomi Pemerintah Internasional
No Publik Bank
Economic Sector Claim to the Claim to the
Claim to Public Claim to the Bank
Government Multilateral
Sector Entities
Development
Banks and
International
Institutions
(14) (15) (16) (17) (18) (19)
1 Pertanian, Perburuan, dan Kehutanan | Agriculture, – – – –
Hunting, and Forestry
2 Perikanan | Fisheries – – – –
3 Pertambangan dan Penggalian | Mining and – – – –
Quarrying
4 Industri pengolahan | Manufacturing Industry – – – –
5 Listrik, Gas, dan Air | Electricity, Gas, and Water – 119.783 – –
6 Konstruksi | Construction – – – –
7 Perdagangan Besar dan Eceran | Wholesale and Retail – – – –
Trade
8 Penyediaan akomodasi dan penyediaan makan – – – –
minum | Accommodation Providers and food and
Beverage Providers
9 Transportasi, Pergudangan, dan Komunikasi | – – – –
10 Perantara Keuangan | Financial Brokers – – – 1.493.338
11 Real Estate, Usaha Persewaan, dan Jasa Perusahaan | – – – –
Real Estate, Rental Business, and Corporate Services
12 Administrasi Pemerintahan, Pertahanan, dan Jaminan – – – –
Sosial Wajib | Public Administration, Defense and
Compulsory Social Security
13 Jasa Pendidikan | Education Services – 70.105 – –
14 Jasa Kesehatan dan Kegiatan Sosial | Health Services – 2.648 – –
and Social Activities
15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan, dan – 304 – –
Perorangan Lainnya | Social Services, Socio-Cultural,
Entertainment and Other Individual
16 Jasa Perorangan yang Melayani Rumah Tangga | – 950 – –
Households Personal Services
17 Badan Internasional dan Badan Ekstra Internasional – – – –
Lainnya | International and Extra International
Agencies
18 Kegiatan yang Belum Jelas Batasannya | Undefined – – – –
Activities
19 Bukan Lapangan Usaha | Not a Business Field – 1.803 – –
20 Lainnya | Others 6.128.818 – – –
Total 6.128.818 195.593 – 1.493.338

Pembiayaan Tagihan kepada

Pembiayaan Beragun Pembiayaan Usaha Mikro, Tagihan yang
Tagihan kepada
Beragun Rumah Properti Pegawai/ Usaha Kecil dan Telah Jatuh
Korporasi Aset Lainnya
Tinggal Komersial Pensiunan Portofolio Ritel Tempo
Claim to Others Asset
Residential Commercial Retired Employee Claim to Micro, Claim on past
Corporate
Mortgage Loans Property Credit Small and Retail due
Mortgage Loans Portfolio
(20) (21) (22) (23) (24) (25) (26)
– – – 880.896 490.961 – –
– – – 3.722 818.778 – –
– – – 44.593 2.736.267 – –
– – – 270.068 5.770.660 – –
– – – 9.974 2.734.493 – –
– – – 139.600 2.173.148 – –
– – – 289.690 3.100.692 – –
1.591 – – 54.665 111.864 – –
336 – – 115.818 1.746.552 – –
436.716 – – 415.161 991.113 – –

– – – 166.644 2.020.383 – –
– – – 39 – – –
– – – 598.726 168.974 – –
– – – 149.999 73.939 – –
– – – 882.578 145.387 – –
– – – 303 – – –
– – – – – – –
– – – 22.741 – – –
4.530.043 51.116 122.495 56.598 1.123 – –

4.151 – 827 309.810 5.255.168 – –
4.972.837 51.116 123.322 4.411.625 28.339.502 – –

2021 Annual Report
Tabel 1.4. Pengungkapan Tagihan dan Pencadangan berdasarkan Wilayah

Table 1.4. Disclosure of Bills and Allowance by Region

Wilayah
Kategori Portofolio
No Region
Jabodetabek Jawa Sumatera Lainnya
Kalimantan Total
Greater Jakarta Java Sumatra Others
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan | Claims 48.619.158 4.082.530 1.389.270 603.538 1.463.938 56.158.434
2 Tagihan yang Mengalami Penurunan Nilai –
(Impaired) | Impaired Claims
a. Belum Jatuh Tempo | Not Past Due Yet 3.555.145 4.715.162 1.828.570 1.719.409 3.920.257 15.738.543
b. Telah Jatuh Tempo | Past Due 1.131.090 1.221.545 266.906 95.317 1.093.592 3.808.450
3 Cadangan Kerugian Penurunan Nilai (CKPN) 38.285 – – – – 38.285
– Individual | Provision for Possible Losses
– Individual
4 Cadangan Kerugian Penurunan Nilai (CKPN) 493.988 75.720 28.092 15.182 24.427 637.409
– Kolektif | Provision for Possible Losses –
Collective
5 Tagihan yang Dihapus Buku | Written-Off 1.157.012 142.667 169.639 25.696 59.933 1.554.947
Claims


Wilayah
Region
Jabodetabek Jawa Sumatera Lainnya
Kalimantan Total
Greater Jakarta Java Sumatra Others
(9) (10) (11) (12) (13) (14)
28.543.806 10.761.032 4.524.853 2.218.898 5.806.929 51.855.518
–
7.121.510 7.420.406 2.453.544 2.039.482 7.114.479 26.149.421

2.498.291 1.832.652 1.472.466 177.412 1.729.883 7.710.704
71.289 96.878 17.975 3.797 24.015 213.954
161.386 111.992 40.073 26.024 42.832 382.307
1.178.901 143.745 170.935 25.718 62.429 1.581.728

2021 Annual Report
Tabel 1.5. Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi

Table 1.5. Disclosure of Claims and Allowance by Economic Sector

Tagihan yang Mengalami Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian
Impaired Claims Penurunan Penurunan
Tagihan yang
Nilai (CKPN) - Nilai (CKPN) -
Sektor Ekonomi Tagihan Hapus Buku
No Belum Jatuh Individual Kolektif
Economic Sector Claim Telah Jatuh Written-Off
Tempo Provision Provision
Tempo Claims
Not Past Due for Possible for Possible
Past Due Losses - Losses -
Yet
Individual Collective
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pertanian, Perburuan, dan Kehutanan | 1.516.643 1.447.741 68.901 – 30.598 –

Agriculture, Hunting, and Forestry
2 Perikanan | Fisheries 912 912 – – 16 –
3 Pertambangan dan Penggalian | Mining and 714.250 618.932 95.317 – 16.063 –
Quarrying
4 Industri Pengolahan | Manufacturing Industry 2.904.412 2.134.168 770.244 – 75.789 –
5 Listrik, Gas, dan Air | Electricity, Gas, and 1.573.282 1.096.311 476.972 – 44.175 –
Water
6 Konstruksi | Construction 974.311 556.422 417.889 21.304 41.274 –
7 Perdagangan Besar dan Eceran | Wholesale 2.459.457 1.830.495 628.962 – 70.645 –
and Retail Trade
8 Penyediaan Akomodasi dan Penyediaan 63.603 46.342 17.260 – 1.727 –
Makan Minum | Accommodation Providers
and Food & Beverage Providers
9 Transportasi, Pergudangan, dan Komunikasi | 621.074 291.048 330.026 16.981 38.317 –
10 Perantara Keuangan | Financial Brokers 1.097.885 1.096.331 1.554 – 19.183 –
11 Real Estate, Usaha Persewaan, dan Jasa 1.302.873 832.564 470.310 – 54.698 –
Perusahaan | Real Estate, Rental Business, and
Corporate Services
12 Administrasi Pemerintahan, Pertahanan, dan 577 381 197 – 17 –
Jaminan Sosial Wajib | Public Administration,
Defense, and Compulsory Social Security
13 Jasa Pendidikan | Education Services 915.650 769.384 146.264 – 22.624 –
14 Jasa Kesehatan dan Kegiatan Sosial | Health 348.610 342.358 6.251 – 6.509 –
Services and Social Activities
15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan 274.467 264.266 10.201 – 5.299 –
dan Perorangan Lainnya | Social Services,
Socio-Cultural, Entertainment and Other
Individual
16 Jasa Perorangan yang Melayani Rumah Tangga 4.360 4.360 – – 79 –
| Households Personal Services
17 Badan Internasional dan Badan Ekstra – – – – – –
Internasional Lainnya | International and Extra
International Agencies
18 Kegiatan yang Belum Jelas Batasannya | 237.102 218.077 19.026 – 4.550 –
Undefined Activities
19 Bukan Lapangan Usaha | Not a Business Field 4.162.777 3.816.373 346.404 – 94.325 –
20 Lainnya | Others 36.986.189 372.078 2.672 – 111.521 1.554.947
Total 56.158.434 15.738.543 3.808.450 38.285 637.409 1.554.947

Tagihan yang Mengalami Penurunan Nilai

Impaired Claims
Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai Penurunan Nilai Tagihan yang Hapus
Tagihan
(CKPN) - Individual (CKPN) - Kolektif Buku
Claim
Belum Jatuh Tempo Telah Jatuh Tempo Provision for Possible Provision for Possible Written-Off Claims
Not Past Due Yet Past Due Losses - Individual Losses - Collective
(9) (10) (11) (12) (13) (14)
1.380.148 947.535 432.613 7.280 10.418 –
848.512 360.037 488.476 – 29.589 –

2.789.315 2.626.515 162.800 7.598 26.295 –
6.146.709 4.876.795 1.269.913 91.715 62.345 –

2.901.769 2.461.519 440.251 – 50.912 –
2.370.430 1.397.191 973.239 24.145 26.476 –

3.483.782 1.941.712 1.542.069 73.268 32.828 –
171.322 111.883 59.439 2.968 1.345 –
1.870.483 1.491.006 379.477 6.980 19.808 –
2.001.711 1.915.247 86.464 – 20.458 –

2.194.860 1.765.165 429.695 – 25.367 –
39 39 – – – –
839.594 749.400 90.194 – 9.227 –

226.876 202.846 24.030 – 2.305 –
1.039.055 760.802 278.253 – 18.344 –
1.255 970 285 – 11 –
– – – – – –
22.741 3.800 18.941 – 18 –
5.640.821 4.413.987 841.589 – 44.276 –

17.926.096 122.972 192.976 – 2.285 1.581.728
51.855.518 26.149.421 7.710.704 213.954 382.307 1.581.728

2021 Annual Report
Tabel 1.6. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai

Table 1.6. Disclosure of Provision of Possible Losses Mutation Details
31 Desember 2021 31 Desember 2020

December 31, 2021 December 31, 2020
Keterangan
No CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif
Information
Provision of Possible Provision of Possible Provision of Possible Provision of Possible
Losses–Individual Losses–Collective Losses–Individual Losses–Collective
(1) (2) (3) (4) (5) (6)
1 Saldo Awal CKPN | Provision of Possible Losses 213.954 382.307 220.604 329.353
Beginning Balance
2 Pembentukan (Pemulihan) CKPN pada Periode
Berjalan (Net) | Provisions (Reversal of Provisions) of
Possible Losses in Current Year
a. Pembentukan CKPN pada Periode Berjalan | – 266.760 – 57.633
Provisions of Possible Losses in Current Year
b. Pemulihan CKPN pada Periode Berjalan | (175.669) – (6.650) –
Reversal of Provisions of Possible Losses in
Current Year
3 CKPN yang Digunakan untuk Melakukan Hapus – (10.084) – (4.850)
Buku atas Tagihan pada Periode Berjalan |
Provisions of Possible Losses that used for Write-off
in Current Year
4 Pembentukan (Pemulihan) Lainnya pada Periode – (1.574) – 171
Berjalan | Other Provisions (Other Reversal of
Provisions) in Current Year
Saldo Akhir CKPN 38.285 637.409 213.954 382.307
Provision of Possible Losses Ending Balance

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2021 Annual Report
Tabel 1.7. Pengungkapan Tagihan Bersih berdasarkan Kategori Portofolio dan Skala Peringkat
Table 1.7. Disclosure of Net Claims by Portfolio Category and Rating Scale
31 Desember 2021
Net Claims
Lembaga Pemeringkat Peringkat Jangka Panjang
Rating Agencies Long-term Rating
Standard and Poor’s AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
Kategori Portofolio
No Moody’s Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3
PT Fitch Ratings AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d

AAA (idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
[Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d

PT ICRA Indonesia [Idr]AAA
[Idr]AA- [Idr]A- [Idr]BBB-
PT Pemeringkat Efek idAA+ s.d id BBB+ s.d id

idAAA idA+ s.d id A-
Indonesia idAA- BBB-
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan kepada Pemerintah | Claim to the – 13.051.069 – –

Government
2 Tagihan kepada Entitas Sektor Publik | Claim to 150.000 29.464 291.667 –
Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral – – – –
dan Lembaga Internasional | Claim to the
Multilateral Development Banks and International
Institutions
4 Tagihan kepada Bank | Claim to the Bank 61.317 7.100 12.248 –
5 Pembiayaan Beragun Rumah Tinggal | Residential
Mortgage Loans
6 Pembiayaan Beragun Properti Komersial |
Commercial Property Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | Retired
Employee Credit
8 Tagihan Kepada Usaha Mikro, Usaha Kecil, dan
Portofolio Ritel | Claim to Micro, Small, and Retail
Portfolio
9 Tagihan kepada Korporasi | Claim to Corporate – – 144.444 –
10 Tagihan yang Telah Jatuh Tempo | Claim on Past
Due
11 Aset Lainnya | Others Asset
TOTAL 211.317 13.087.633 448.359 –

(dalam jutaan rupiah/in million rupiah)
December 31, 2021

Net Claims
Peringkat Jangka Pendek
Short-term Rating
Kurang dari Kurang dari
BB+ s.d BB- B+ s.d B- B- A-1 A-2 A-3 A-3
Less than B- Less than A3
BB+ s.d BB- B+ s.d B- B- F1+ s.d F1 F2 F3 F3
Less than B- Less than F3
Ba1 s.d Ba3 B1 s.d B3 B3 P-1 P-2 P-3 P-3
Tanpa
Less than B3 Less than P-3
Peringkat Total
Kurang dari Kurang dari Non Rated
BB+(idn) s.d B+(idn) s.d B-(idn) F1+(idn) s.d F3(idn)
F2(idn) F3(idn)
BB-(idn) B-(idn) Less than F1(idn) Less than
B-(idn) F3(idn)
[Idr]BB+ s.d [Idr]B+ s.d [Idr]B- [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d [Idr]A3
[Idr]BB- [Idr]B- Less than [Idr]A1 [Idr]A2 [Idr] A3 Less than
[Idr]B- [Idr]A3
Kurang dari
id BB+ s.d id
id B+ s.d id B- idB-
BB-
Less than idB-
(8) (9) (10) (11) (12) (13) (14) (15) (16)
– – – – – – – 10.635.960 13.051.069
– – – – – – – 176.786 471.131
– – – – – – – – –
– – – – – – – 2.018.070 80.665
– – – – – – – 17.725.975 144.444
– – – – – – – 30.556.792 13.747.309

2021 Annual Report
31 Desember 2020
Net Claims
Lembaga Pemeringkat Peringkat Jangka Panjang
Rating Agencies Long-term Rating
Standard and Poor’s AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
Kategori Portofolio
No Moody’s Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3
PT Fitch Ratings AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d

AAA (idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
[Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d

PT ICRA Indonesia [Idr]AAA
[Idr]AA- [Idr]A- [Idr]BBB-
PT Pemeringkat Efek idAA+ s.d id BBB+ s.d id

idAAA idA+ s.d id A-
Indonesia idAA- BBB-
(17) (18) (19) (20) (21) (22) (23)
1 Tagihan kepada Pemerintah | Claim to the – – – –

Government
2 Tagihan kepada Entitas Sektor Publik | Claim to – – – –
Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral – – – –
dan Lembaga Internasional | Claim to the
Multilateral Development Banks and International
Institutions
4 Tagihan kepada Bank | Claim to the Bank 70.362 8.201 5.852 –
5 Pembiayaan Beragun Rumah Tinggal | Residential
Mortgage Loans
6 Pembiayaan Beragun Properti Komersial |
Commercial Property Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | Retired
Employee Credit
8 Tagihan Kepada Usaha Mikro, Usaha Kecil, dan
Portofolio Ritel | Claim to Micro, Small, and Retail
Portfolio
9 Tagihan kepada Korporasi | Claim to Corporate – – 464.444 345.669
10 Tagihan yang Telah Jatuh Tempo | Claim on Past
Due
11 Aset Lainnya | Others Asset
TOTAL 70.362 8.201 470.296 345.669

December 31, 2020

Net Claim
Peringkat Jangka Pendek
Short-term Rating
BB+ s.d BB- B+ s.d B- B- A-1 A-2 A-3 A-3
Less than B- Less than A3
BB+ s.d BB- B+ s.d B- B- F1+ s.d F1 F2 F3 F3
Less than B- Less than F3
Ba1 s.d Ba3 B1 s.d B3 B3 P-1 P-2 P-3 P-3
Tanpa
Less than B3 Less than P-3
Peringkat Total
Kurang dari Kurang dari Non Rated
BB+(idn) s.d B+(idn) s.d B-(idn) F1+(idn) s.d F3(idn)
F2(idn) F3(idn)
BB-(idn) B-(idn) Less than F1(idn) Less than
B-(idn) F3(idn)
[Idr]BB+ s.d [Idr]B+ s.d [Idr]B- [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d [Idr]A3
[Idr]BB- [Idr]B- Less than [Idr]A1 [Idr]A2 [Idr] A3 Less than
[Idr]B- [Idr]A3
Kurang dari
id BB+ s.d id
id B+ s.d id B- idB-
BB-
Less than idB-
(24) (25) (26) (27) (28) (29) (30) (31) (32)
– – – – – – – 6.128.818 –
– – – – – – – 195.593 –
– – – – – – – – –
– – – – – – – 1.408.923 84.415
– – – – – – – 27.529.389 810.113
– – – – – – – 35.262.723 894.528

2021 Annual Report
Tabel 1.8.a. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif

Table 1.8.a. Disclosure of Counterparty Credit Risk: Derivative Transactions

Notional Amount Tagihan Tagihan
Variabel yang Mendasari Tagihan Kewajiban Bersih Bersih
No > 1 Tahun– Derivatif Derivatif sebelum MRK setelah
Underlying Variable
≤ 1 Tahun < 5 Tahun > 5 Tahun Derivative Derivative MRK CRM (MRK
≤ 1 Year > 1 Year– > 5 Years Claim Liabilities Net Claim Net Claim
< 5 Years before CRM after CRM
1 Shariah Compliant Profit – – – – – – – –
Rate Swap
2 Shariah Compliant Foreign 787.127 69.260 – 5.765 – 17.099 – 17.099
Currency Swap
3 Lainnya – – – – – – –
Total 787.127 69.260 – 5.765 – 17.099 – 17.099
Tabel 1.8.b. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo

Table 1.8.b. Disclosure of Counterparty Credit Risk
31 Desember 2021 | 31 December 2021
Kategori Portofolio Nilai Wajar SSB

No Repo Kewajiban Repo Tagihan Bersih
Portfolio Category ATMR
Fair Value of SSB Obligatory Repo Net Charges
Repo
1 Tagihan kepada Pemerintah | Claims to – – – –
Government
2 Tagihan kepada Entitas Publik | Bill on Public – – – –
Entity
3 Tagihan kepada Bank Pembangunan – – – –
Multilateral dan Lembaga Internasional |
Bill on Development Bank Multilateral and
4 Tagihan kepada Bank | Bill to the Bank – – – –
5 Tagihan kepada Usaha Mikro, Usaha Kecil, – – – –
dan Portofolio Ritel | Bill on Micro Business,
Enterprises Small, and Retail Portfolio
6 Tagihan kepada Korporasi | Corporate Bill – – – –
Total – – – –
Tabel 1.8.c. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo
Table 1.8.c. Disclosure of Counterparty Credit Risk: Reverse Repo Transactions
2020 & 2021: Bank tidak memiliki eksposur Transaksi Reverse Repo
2020 & 2021: The bank has no exposure of Reverse Repo Transactions


Notional Amount
Tagihan Kewajiban Tagihan Bersih Tagihan Bersih
> 1 Tahun– Derivatif Derivatif sebelum MRK MRK setelah (MRK
≤ 1 Tahun < 5 Tahun > 5 Tahun Derivative Derivative Net Claim CRM Net Claim
≤ 1 Year > 1 Year– > 5 Years Claim Liabilities before CRM after CRM
< 5 Years
– – – – – – – –
743.754 70.239 – 22.726 – 33.675 – 33.675
– – – – – – – –
743.754 70.239 – 22.726 – 33.675 – 33.675
31 Desember 2020 | 31 December 2020
Nilai Wajar SSB Repo Kewajiban Repo Tagihan Bersih

ATMR
Fair Value of SSB Repo Obligatory Repo Net Charges
1.337.600 – 1.337.600 –
– – – –
– – – –
– – – –
– – – –
– – – –
1.337.600 – 1.337.600 –

2021 Annual Report
Tabel 1.9. Pengungkapan Tagihan Bersih berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi
Risiko Kredit
Table 1.9. Disclosure of Net Claims based on Risk Weighted After Impact Calculation of Credit Risk Mitigation
31 Desember 2021
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No
0% 20% 35% 40%
(1) (2) (3) (4) (5) (6)

A Eksposur Neraca | Exposure on Balance Sheet
1 Tagihan kepada Pemerintah | Claim to the Government 23.687.029 – – –
2 Tagihan kepada Entitas Sektor Publik | Claim to Public Sector Entities – 179.520 – –
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional – – – –
| Claim to the Multilateral Development Banks and International Institutions
4 Tagihan kepada Bank | Claim to the Bank 20.416 2.038.332 – –
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage Loans 26.400 37.756 3.541.776 –
6 Pembiayaan Beragun Properti Komersial | Commercial Property Mortgage 18.361 – – –
Loans
7 Pembiayaan Pegawai/Pensiunan | Retired Employee Credit 97.024 – – –
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel | Claim to 825.464 47.598 – –
Micro, Small, and Retail Portfolio
9 Tagihan kepada Korporasi | Claim to Corporate 8.536.063 894 – –
10 Tagihan yang Telah Jatuh Tempo | Claim on Past Due – – – –
11 Aset Lainnya | Others Asset – – – –
Total Eksposur Neraca | Total Exposure on 33.210.757 2.304.100 3.541.776 –
Balance Sheet
B Eksposur Kewajiban Komitmen | Kontinjensi pada Transaksi Rekening
Administratif | Exposure on Commitments | Contingencies for off
Balance Sheet Transactions
Government
2 Tagihan kepada Entitas Sektor Publik | Claim to Public Sector Entities – – – –
4 Tagihan kepada Bank | Claim to the Bank – – – –
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage Loans – – – –
6 Pembiayaan Beragun Properti Komersial | Commercial Property Mortgage – – – –
Loans
7 Pembiayaan Pegawai/Pensiunan | Retired Employee Credit – – – –
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel | Claim to – – – –
9 Tagihan kepada Korporasi | Claim to Corporate – – – –
Total Eksposur TRA | Total Exposure on Off – – – –
Balance Transactions
C Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) |
Exposure on Counterparty Credit Risk
Government
4 Tagihan kepada Bank | Claim to the Bank – 748 – –
Total Eksposur Counterparty Credit Risk | Total Exposure on – 748 – –
Counterparty Credit Risk


December 31, 2021
Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation Beban Modal
ATMR
Capital Charge
Lainnya
45% 50% 75% 100% 150%
Others
(7) (8) (9) (10) (11) (12) (13) (14)
– – – – – – –
– 467.953 – – – 269.881 26.988
– – – – – – –
– 20.750 – – 418.041 41.804

– – – – – 1.247.173 124.717
– – – 265.815 – 265.815 26.582
– – – – – – –
– – 2.705.689 – – 2.038.786 203.879
– 298.221 – 8.974.882 – 9.124.171 912.417

– – – – – –
– – – 7.091.592 – 7.091.592 709.159
– 786.924 2.705.689 16.332.289 – – 20.455.459 2.045.546
– – – – – – –
– 444 – – – 222 22
– – – – – – –
– 2.138 – – – 1.069 107

– – – – – – –
– – – – – – –
– – – – – – –
– – 510 – – 383 38
– – – 60.359 – 60.359 6.036

– – – – – – –
– 2.582 510 60.359 – – 62.033 6.203
– – – – – – –
– – – – – – –
– – – – – – –
– 16.352 – – – 8.325 833

– – – – – – –
– – – – – – –
– 16.352 – – – – 8.325 833

2021 Annual Report
31 Desember 2020
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No
0% 20% 35% 40%
(15) (16) (17) (18) (19) (20)

A Eksposur Neraca | Exposure on Balance Sheet
1 Tagihan kepada Pemerintah | Claim to the Government 4.791.218 – – –
4 Tagihan kepada Bank | Claim to the Bank – 1.337.099 – –
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage Loans 24.341 1.480.126 3.468.370 –
6 Pembiayaan Beragun Properti Komersial | Commercial Property Mortgage 250 – – –
Loans
7 Pembiayaan Pegawai/Pensiunan | Retired Employee Credit 114.799 – – –
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel | Claim to 523.717 46.839 – –
9 Tagihan kepada Korporasi | Claim to Corporate 8.627.515 212.849 – –
11 Aset Lainnya | Others Asset – – – –
Total Eksposur Neraca | Total Exposure on 14.081.840 3.076.913 3.468.370 –
Balance Sheet
B Eksposur Kewajiban Komitmen | Kontinjensi pada Transaksi Rekening
Administratif | Exposure on Commitments | Contingencies for off
Balance Sheet Transactions
Government
4 Tagihan kepada Bank | Claim to the Bank – – – –
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage Loans – – – –
6 Pembiayaan Beragun Properti Komersial | Commercial Property Mortgage – – – –
Loans
7 Pembiayaan Pegawai/Pensiunan | Retired Employee Credit – – – –
Total Eksposur TRA | Total Exposure on Off – – – –
C Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) |
Exposure on Counterparty Credit Risk
1 Tagihan kepada Pemerintah | Claim to the 1.337.600 – – –
Government
4 Tagihan kepada Bank | Claim to the Bank – 502 – –
Total Eksposur Counterparty Credit Risk | Total Exposure on 1.337.600 502 – –


December 31, 2020
Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation Beban Modal
ATMR
Capital Charge
Lainnya
45% 50% 75% 100% 150%
Others
(21) (22) (23) (24) (25) (26) (27) (28)
– – – – – – –
– 194.064 – – – 97.032 9.703
– – – – – – –
– 120.456 – – – 327.648 32.765

– – – – – 1.509.955 150.995
– – – 50.866 – 50.866 5.087
– 8.523 – – – 4.262 426

– – 3.840.034 – – 2.889.393 288.939
– 464.757 – 18.934.702 – 19.209.650 1.920.965

– – – – – – –
– – – 5.579.967 – 5.579.967 557.997
– 787.800 3.840.034 24.565.535 – – 29.668.773 2.966.877
– – – – – – –
– 1.529 – – – 764 76
– – – – – – –
– 2.108 – – – 1.054 105

– – – – – – –
– – – – – – –
– – – – – – –
– – 1.035 – – 776 78
– – – 99.679 – 99.679 9.968

– – – – – – –
– 3.637 1.035 99.679 – – 102.274 10.227
– – – – – – –
– – – – – – –
– – – – – – –
– 33.174 – – – 16.687 1.669

– – – – – – –
– – – – – – –
– 33.174 – – – – 16.687 1.669

2021 Annual Report
Tabel 1.10. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit
Table 1.10. Disclosure of Net Claims and Credit Risk Mitigation Techniques
31 Desember | December 2021

Bagian yang Dijamin dengan Bagian yang
Kategori Portofolio Tagihan Bersih Portion Secured by Tidak Dijamin
No
Portfolio Categories Net Claim Agunan Garansi Asuransi Kredit Lainnya Portion not
Collateral Guarantee Credit Insurance Others Secured
(8)=(3)-
(1) (2) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)]
A Eksposur Neraca | Exposure on
Balance Sheet
1 Tagihan kepada Pemerintah | Claim 23.687.029 – – – 23.687.029
to the Government
2 Tagihan kepada Entitas Sektor 647.473 – – – 647.473
Publik | Claim to Public Sector
Entities
Lembaga Internasional | Claim to
the Multilateral Development Banks
and International Institutions
4 Tagihan kepada Bank | Claim to 2.079.498 20.416 – – 2.059.082
the Bank
5 Pembiayaan Beragun Rumah 3.605.932 26.609 – – 3.579.323
Tinggal | Residential Mortgage
Loans
6 Pembiayaan Beragun Properti 284.176 18.361 – – 265.815
Komersial | Commercial Property
Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | 97.024 97.024 – – –
8 Tagihan kepada Usaha Mikro, 3.578.751 873.062 – – 2.705.689
Usaha Kecil, dan Portofolio Ritel |
Portfolio
9 Tagihan kepada Korporasi | Claim 17.810.060 8.536.957 – – 9.273.103
to Corporate
10 Tagihan yang Telah Jatuh Tempo | – – – – –
Claim on Past Due
11 Aset Lainnya | Others Asset 7.091.592 – – – 7.091.592
Total Eksposur Neraca | Total 58.881.535 9.572.429 – – – 49.309.106
Exposure on
Balance Sheet
B Eksposur Kewajiban Komitmen/
Kontinjensi pada Transaksi
Rekening Administratif |
Exposure on Commitments/
Contingencies for off Balance
Sheet Transactions
1 Tagihan kepada Pemerintah | Claim – – – – –
to the Government
2 Tagihan kepada Entitas Sektor 444 – – – 444
Entities


No
(8)=(3)-
(1) (2) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)]
4 Tagihan kepada Bank | Claim to 2.138 – – – 2.138
the Bank
5 Pembiayaan Beragun Rumah – – – – –
Loans
6 Pembiayaan Beragun Properti – – – – –
Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | – – – – –
8 Tagihan kepada Usaha Mikro, 510 – – – 510
Portfolio
9 Tagihan kepada Korporasi | Claim 60.359 – – – 60.359
to Corporate
Claim on Past Due
Total Eksposur TRA | Total 63.451 – – – – 63.451
Exposure on Off
C Eksposur Neraca | Exposure on
Balance Sheet
1 Tagihan kepada Pemerintah | – – – – –
Claim to the
Government
2 Tagihan kepada Entitas Sektor – – – – –
Entities
the Bank
5 Tagihan kepada Usaha Mikro, – – – – –
Portfolio
6 Tagihan kepada Korporasi | Claim – – – – –
to Corporate
Total Eksposur Counterparty 17.099 – – – – 17.099
Credit Risk | Total Exposure on
TOTAL 58.962.086 9.572.429 – – – 49.389.657

2021 Annual Report

No
(8)=(3)-
(1) (2) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)]
A Eksposur Neraca | Exposure on
Balance Sheet
1 Tagihan kepada Pemerintah | Claim 4.791.218 – – – 4.791.218
to the Government
2 Tagihan kepada Entitas Sektor 194.064 6.796 – – 187.268
Entities
3 Tagihan kepada Bank – – –
4 Tagihan kepada Bank | Claim to 1.457.555 24.785 – – 1.432.770
the Bank
5 Pembiayaan Beragun Rumah 4.972.837 24.341 278 – 4.948.218
Loans
6 Pembiayaan Beragun Properti 51.116 250 – – 50.866
Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | 123.322 114.799 – – 8.523
8 Tagihan kepada Usaha Mikro, 4.410.590 523.717 46.839 – 3.840.034
Portfolio
9 Tagihan kepada Korporasi | Claim 28.239.823 8.630.515 212.849 – 19.396.459
to Corporate
Claim on Past Due
11 Aset Lainnya | Others Asset 5.579.967 – – – 5.579.967
Total Eksposur Neraca | Total 49.820.492 9.325.203 259.966 – – 40.235.323
Exposure on
Balance Sheet
B Eksposur Kewajiban Komitmen/
Kontinjensi pada Transaksi
Rekening Administratif |
Exposure on Commitments/
Contingencies for off Balance
Sheet Transactions
1 Tagihan kepada Pemerintah | Claim – – – – –
to the Government
2 Tagihan kepada Entitas Sektor 1.529 – – – 1.529
Entities


No
(8)=(3)-
(1) (2) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)]
the Bank
5 Pembiayaan Beragun Rumah – – – – –
Loans
6 Pembiayaan Beragun Properti – – – – –
Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | – – – – –
8 Tagihan kepada Usaha Mikro, 1.035 – – – 1.035
Portfolio
9 Tagihan kepada Korporasi | Claim 99.679 – – – 99.679
to Corporate
Claim on Past Due
Total Eksposur TRA | Total 104.351 – – – – 104.351
Exposure on Off
C Eksposur Neraca | Exposure on
Balance Sheet
1 Tagihan kepada Pemerintah | 1.337.600 – – – 1.337.600
Claim to the
Government
2 Tagihan kepada Entitas Sektor – – – – –
Entities
the Bank
5 Tagihan kepada Usaha Mikro, – – – – –
Portfolio
6 Tagihan kepada Korporasi | Claim – – – – –
to Corporate
Total Eksposur Counterparty 1.371.275 – – – – 1.371.275
Credit Risk | Total Exposure on
TOTAL 51.296.118 9.325.203 259.966 – – 41.710.949

2021 Annual Report
Tabel 1.11. Pengungkapan Transaksi Sekuritisasi Aset

Table 1.11 Disclosure of Securitization Transactions

Nilai Aset yang Disekuritisasi yang
Mengalami Penurunan Nilai Laba/Rugi
Eksposur Sekuritisasi Nilai Aset yang The Value of Assets that are dari Aktivitas
No Pengurang
Securitization Exposures Disekuritisasi Securitized which has Decreased Value Securitisasi
ATMR Modal
The Value of the Profit/Loss from
Telah Jatuh Belum Jatih Capital Reduction
Securitized Asset Securitization
Tempo Tempo Activities
Due Not Due
(1) (2) (3) (4) (5) (6) (7) (8)
1 Bank Bertindak sebagai Kreditur – – – – – –
Asal | The Bank Acts as the Creditor
2 Bank Bertindak sebagai Penyedia – – – – – –
Kredit Pendukung | The Bank Acts
as a Supporting Credit Provider
a. Fasilitas Penanggung Risiko
Pertama | First Risk Insurer
Facility
b. Fasilitas Penanggung Risiko – – – – – –
Kedua | Second Risk Insurer
Facility
Fasilitas Likuiditas | The Bank Acts
as a Facility Provider Liquidity
Jasa | The Bank Acts as a Service
Provider
5 Bank Bertindak sebagai Bank – – – – – –
Kustodian | The Bank Acts as a
Custodian Bank
6 Bank Bertindak sebagai Pemodal | – – – – – –
The Bank Acts as Capitalist
a. Senior Tranche
b. Junior Tranche – – – – – –
Total – – – – – –
Tabel 1.12. Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak sebagai Kreditur Asal
Table 1.12. Disclosure of Summary Securitization Transaction Activity Bank as Creditor

Eksposur Sekuritisasi
No Nilai Aset yang Disekuritisasi Keuntungan (Kerugian) Penjualan
Securitization Exposures
The Value od the Securitized Asset Sales Profit (Loss)
(1) (2) (3) (4)
1 Tagihan kepada Pemerintah | Claims to Government – –

2 Tagihan kepada Entitas Sektor Publik | Claims on Public – –
Sector Entities
3 Tagihan kepada Bank Pembangunan Multilateral – –
dan Lembaga Internasional | Bill on Multilateral
Development Banks and International Institutions
4 Tagihan kepada Bank | Claims on Banks – –
5 Pembiayaan Beragun Rumah Tinggal | Housing Backed - –
Financing
6 Pembiayaan Beragun Properti Komersial | Commercial – –
Property Backed Financing
7 Pembiayaan Pegawai/Pensiunan | Employee/Pension – –
Funding
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan – –
Portofolio Ritel | Claims on Micro, Small Business, and
Retail Portfolios
9 Tagihan kepada Korporasi | Corporate Bill – –
10 Tagihan yang Telah Jatuh Tempo | Claim on past due – –
11 Aset Lainnya | Other Assets – –
Total – –


Nilai Aset yang Disekuritisasi yang Mengalami
Penurunan Nilai
Nilai Aset yang The Value of Assets that are Securitized which has Laba/Rugi dari Aktivitas
Disekuritisasi Decreased Value Securitisasi Pengurang Modal
ATMR
The Value of the Profit/Loss from Capital Reduction
Securitized Asset Telah Jatuh Tempo Belum Jatih Tempo Securitization Activities
Due Not Due
(9) (10) (11) (12) (13) (14)

– – – – – –
– – – – – –
– – – – – –
– – – – – –
– – – – – –
– – – – – –
– – – – – –
– – – – – –
– – – – – –

Nilai Aset yang Disekuritisasi Keuntungan (Kerugian) Penjualan
The Value od the Securitized Asset Sales Profit (Loss)
(5) (6)
– –
– –
– –
– –
- –
– –
– –
– –
– –
– –
– –
– –

2021 Annual Report
Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar
Disclosure of RWA Calculations for Credit Risk Using a Standardized Approach
Tabel 1.13.a. Pengungkapan Eksposur Aset di Neraca

Table 1.13.a. Disclosure of Assets Exposures in Balance Sheet

Kategori Portofolio
No Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
Claim Net RWA before CRM RWA after CRM
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah | Claims to Government 23.687.029 – –

2 Tagihan kepada Entitas Sektor Publik | Claims on Public 647.473 269.881 269.881
Sector Entities
3 Tagihan kepada Bank Pembangunan Multilateral dan – – –
Lembaga Internasional | Bill on Multilateral Development
Banks and International Institutions
4 Tagihan kepada Bank | Claims on Banks 2.079.498 424.055 418.041
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage 3.605.932 1.255.583 1.247.869
Loans
6 Pembiayaan Beragun Properti Komersial | Commercial 284.176 284.176 265.815
Property Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | Employee/Pension Funding 97.024 48.512 –
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 3.578.751 2.684.063 2.038.786
| Claims on Micro, Small Business, and Retail Portfolios
9 Tagihan kepada Korporasi | Corporate Bill 17.810.060 17.660.950 9.124.171
10 Tagihan yang Telah Jatuh Tempo | Claim on the Past Due – – –
11 Aset Lainnya | Other Assets 7.091.592 – 6.346.402
Total 58.881.535 22.627.219 19.710.965
Tabel 1.13.b. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administrasi
Table 1.13.b. Disclosure of Commitments/Contingent Exposure Balance Sheet

Kategori Portofolio
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah | Claims to Government – – –

2 Tagihan kepada Entitas Sektor Publik | Claims on Public 444 222 222
Sector Entities
4 Tagihan kepada Bank | Claims on Banks 2.138 1.069 1.069
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage – – –
Loans
6 Pembiayaan Beragun Properti Komersial | Commercial – – –
Property Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | Employee/Pension Funding – – –
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 510 383 383
9 Tagihan kepada Korporasi | Corporate Bill 60.359 60.359 60.359
10 Tagihan yang Telah Jatuh Tempo | Claim on the Past Due – – –
Total 63.451 62.033 62.033


Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
(6) (7) (8)
4.791.218 – –
194.064 97.032 93.634
– – –
1.457.555 327.648 318.647

4.972.837 1.555.121 1.547.405
51.116 51.116 50.866
123.322 61.661 4.262

4.410.590 3.307.943 2.889.393
28.239.823 28.007.445 19.206.650

– – –
5.579.967 – 4.847.207
49.820.492 33.407.965 28.958.064

(6) (7) (8)
– – –
1.529 764 764
– – –
2.108 1.054 1.054

– – –
– – –
– – –
1.035 776 776
99.679 99.679 99.679

– – –
104.351 102.274 102.274

2021 Annual Report
Tabel 1.13.c. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty
Credit Risk)
Table 1.13.c. Disclosure of Potential Credit Risk Exposure due to Failure of Competitor (Counterparty Credit Risk)

Kategori Portofolio
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah | Claims to Government – – –

2 Tagihan kepada Entitas Sektor Publik | Claims on Public – – –
Sector Entities
4 Tagihan kepada Bank | Claims on Banks 17.099 8.325 8.325
5 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel – – –
6 Tagihan kepada Korporasi | Corporate Bill – – –
Total 17.099 8.325 8.325
Tabel 1.13.d. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (Settlement Risk)
Table 1.13.d. Disclosure of Potential Credit Risk Exposure Due to Failure of Settlement (Settlement Risk)
2020 & 2021: Bank tidak memiliki eksposur yang menimbulkan Risiko Kredit akibat kegagalan setelmen.
2020 & 2021: The bank has no potential credit risk exposure due to failure of settlement.
Tabel 1.13.e. Pengungkapan Eksposur Sekuritisasi

Table 1.13.e. Disclosure of Securitization Exposures
2020 & 2021: Bank tidak memiliki eksposur sekuritisasi.

2020 & 2021: The bank has no securitization exposures.
Tabel 1.13.f. Pengungkapan Total Pengukuran Risiko Kredit

Table 1.13.f. Disclosure of Total Credit Risk Measurement
31 Desember 31 Desember
Eksposur Sekuritisasi Securitization Exposures
December 2021 December 2020
Total ATMR Risiko Kredit 19.781.323 29.077.025 Total of Risk Weighted Assets Credit Risk
Total Faktor Pengurang Modal – – Total of Deduction from Capital Factor
Tabel 2. Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar

Table 2. Market Risk Disclosure Based on Standards Method
31 Desember | December 2021 31 Desember | December 2020
Jenis Risiko
No Beban Modal Beban Modal
Risk Type ATMR ATMR
Capital Charge Capital Charge
(1) (2) (3) (4) (5) (6)
1 Risiko Benchmark Suku Bunga | Interest Rate Benchmark Risk 387 4.839 209 2.611
a. Risiko Spesifik | Specific Risk – – – –
b. Risiko Umum | General Risk 387 4.839 209 2.611
2 Risiko Nilai Tukar | Foreign Exchange Risk 633 7.909 586 7.319
3 Risiko Ekuitas | Equity Risk
4 Risiko Komoditas | Commodity Risk
Total 1.020 12.748 794 9.930
*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko
For banks that have subsidiary companies that have risk exposure


(6) (7) (8)
1.337.600 – –
– – –
– – –
33.675 16.687 16.687

– – –
– – –
1.371.275 16.687 16.687

2021 Annual Report
Tabel 3.1. Pengungkapan Profil Maturitas Rupiah – Bank secara Individual

Table 3.1. Disclosure of Maturity Profile for Rupiah – Individually Bank

Jatuh Tempo
Pos–pos
No Saldo Due Date
Posts
Balance ≤ 1 Bulan > 1–3 Bulan > 3–6 Bulan > 6–12 Bulan > 12 Bulan
≤ 1 Month > 1–3 Months > 3–6 Months > 6–12 Months > 12 Months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA | ON BALANCE
A Aset | Asset 49.224.577 8.757.403 1.590.298 1.121.737 1.058.310 36.696.829
1. Kas | Cash 715.767 715.767 – – – –
2. Penempatan pada Bank Indonesia | 5.036.444 5.036.444 – – – –
Placement on Bank of Indonesia
3. Penempatan pada Bank Lain | Placements 62.075 62.075 – – – –
on Other Banks
4. Surat Berharga | Securities 26.944.541 1.667.878 18.670 – – 25.257.993
5. Kredit yang Diberikan | Loan
a. Piutang murabahah (gross) | Murabahah 6.911.356 429.031 820.601 500.442 330.574 4.830.708
receivables (gross)
b. Piutang salam | Salam – – – – – –
c. Piutang istishna’ | Istishna’ 1.702 – – – – 1.702
d. Piutang qardh | Qardh Receivables 560.934 273.293 131.593 571 4.975 150.502
6. Pembiayaan Bagi Hasil | Financing Profit
Sharing
a. Pembiayaan mudharabah | Mudharabah 526.140 3.732 19.758 5.243 28.274 469.133
Financing
b. Pembiayaan musyarakah | Musyarakah 8.432.117 561.897 582.131 611.158 690.536 5.986.395
Financing
7. Pembiayaan sewa | Lease Financing 1.364 1.057 1 – 16 290
8. Aset Lainnya | Other Asset 32.137 6.229 17.544 4.323 3.935 106
B Kewajiban | Liabilities 49.776.637 38.268.109 3.262.866 2.260.196 1.560.372 4.425.094

1. Dana Pihak Ketiga | Third Party Funds
a. Giro Wadiah | Wadiah Demand Deposits 3.543.282 3.543.282 – – – –
b. Deposito Mudharabah | Mudharabah 22.239.947 15.373.917 3.248.288 2.159.330 1.458.412 –
Time Deposits
c. Tabungan Wadiah | Wadiah Savings 5.293.144 5.293.144 – – – –
d. Tabungan Mudharabah | Mudharabah 10.452.567 10.452.567 – – – –
Savings
e. Lainnya | Other 2.038.991 2.038.991 – – – –
2. Kewajiban pada Bank Indonesia | Liabilities – – – – – –
on Bank of Indonesia
3. Kewajiban pada Bank Lain | Liabilities on 1.560.083 1.560.083 – – – –
Other Banks
4. Surat Berharga yang Diterbitkan | Securities 4.525.094 – – – 100.000 4.425.094
Issued
5. Pembiayaan yang Diterima | Borrowing 100.000 – – 100.000 – –
6. Kewajiban Lainnya | Other Liabilities 23.529 6.125 14.578 866 1.960 –
C Laporan Kewajiban Komitmen dan Kontinjensi

| Commitment and Contingent Liability Report
1. Kewajiban komitmen | Commitment Report 14.864 14.849 15 – – –
2. Kewajiban kontinjensi | Contingent Report 70.984 6.144 14.189 2.210 26.319 22.122
D Selisih | Difference (A-B) (552.060) (29.510.706) (1.672.568) (1.138.459) (502.062) 32.271.735


Jatuh Tempo
Saldo Due Date
(9) (10) (11) (12) (13) (14)
43.775.018 8.859.203 2.147.221 2.305.435 2.687.727 27.775.432

710.236 710.236 – – – –
2.304.326 2.304.326 – – – –
61.436 61.436 – – – –
12.190.098 798.532 378 1.475 – 11.389.713
11.521.306 1.260.485 871.135 783.870 1.072.219 7.533.597
– – – – – –
2.859 – – – – 2.859
771.892 433.235 146.994 26.945 92.025 72.693
620.075 16.980 6.324 3.318 252.473 340.980
13.340.169 1.202.967 1.122.367 1.489.827 1.271.004 8.254.004
181.621 6 23 – 6 181.586
2.071.000 2.071.000 – – – –
43.517.718 33.540.232 4.021.159 2.674.927 1.429.707 1.851.693
3.636.435 3.636.435 – – – –
20.162.740 13.421.348 3.386.595 1.947.368 1.407.429 –
4.603.053 4.603.053 – – – –
9.748.429 9.748.429 – – – –
– – – – – –
1.302.039 367.661 276.476 657.902 – –
1.461.115 1.111.092 258.088 69.657 22.278 –
1.851.693 – – – – 1.851.693
100.000 – 100.000 – – –
652.214 652.214 – – – –
54.872 9.514 45.005 353 – –

99.818 54.053 3.877 710 14.656 26.522
257.300 (24.681.029) (1.873.938) (369.492) 1.258.020 25.923.739

2021 Annual Report
Tabel 3.2. Pengungkapan Profil Maturitas Valas – Bank secara Individual

Tabel 3.2. Disclosure of Maturity Profile for Foreign Currency – Individually Bank

Jatuh Tempo
Pos–pos
No Saldo Due Date
Posts
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA | ON BALANCE
A Aset | Asset 3.537.459 2.045.830 218.211 251.684 34.612 987.122
1. Kas | Cash 29.424 29.424 – – – –
2. Penempatan pada Bank Indonesia | 1.465.399 1.394.136 71.263 – – –
Placement on Bank of Indonesia
3. Penempatan pada Bank Lain | Placements 339.523 339.523 – – – –
on Other Banks
4. Surat Berharga | Securities – – – – – –
5. Kredit yang Diberikan | Loan
a. Piutang murabahah (gross) | Murabahah 789.291 185.380 138.776 102.903 30.858 331.374
receivables (gross)
b. Piutang salam | Salam – – – – – –
c. Piutang istishna’ | Istishna’ – – – – – –
d. Piutang qardh | Qardh Receivables 128.235 – – 128.235 – –
6. Pembiayaan Bagi Hasil | Financing Profit
Sharing
a. Pembiayaan mudharabah | Mudharabah – – – – – –
Financing
b. Pembiayaan musyarakah | Musyarakah 690.277 2.057 8.172 20.546 3.754 655.748
Financing
7. Pembiayaan sewa | Lease Financing – – – – – –
8. Aset Lainnya | Other Asset 95.310 95.310 – – – –
B Kewajiban | Liabilities 3.462.089 2.593.223 390.226 54.275 424.365 –

1. Dana Pihak Ketiga | Third Party Funds
a. Giro wadiah | wadiah demand deposits 552.524 552.524 – – – –
b. Deposito mudharabah | mudharabah 2.449.779 1.580.913 390.226 54.275 424.365 –
time deposits
c. Tabungan wadiah | Wadiah savings 287.478 287.478 – – – –
d. Tabungan mudharabah | Mudharabah 30 30 – – – –
savings
e. Lainnya | Other 13.633 13.633 – – – –
2. Kewajiban pada Bank Indonesia | Liabilities – – – – – –
on Bank of Indonesia
3. Kewajiban pada Bank Lain | Liabilities on 156.904 156.904 – – – –
Other Banks
4. Surat Berharga yang Diterbitkan | Securities – – – – – –
Issued
5. Pembiayaan yang Diterima | Borrowing – – – – – –
6. Kewajiban Lainnya | Other Liabilities 1.741 1.741 – – – –
C Laporan Kewajiban Komitmen dan Kontijensi |

Commitment and Contingent Liability Report
1. Kewajiban komitmen | Commitment Report 2.704 2.288 416 – – –
2. Kewajiban kontinjensi | Contingent Report 8.639 444 – – 8.195 –
D Selisih | Difference (A-B) 75.370 (547.393) (172.015) 197.409 (389.753) 987.122


Jatuh Tempo
Saldo Due Date
(9) (10) (11) (12) (13) (14)
3.701.973 1.138.909 547.571 637.902 156.433 1.221.159

22.524 22.524 – – – –
531.188 531.188 – – – –
435.592 433.485 – – 2.108 –
– – – – – –
1.359.506 78.371 331.440 331.973 96.650 521.072
– – – – – –
15.079 – – – – 15.079
126.440 – – 126.440 – –
– – – – – –
1.138.303 – 216.131 179.489 57.675 685.008
– – – – – –
73.341 73.341 – – – –
3.645.357 2.702.138 639.935 44.061 259.223 –
413.236 413.236 – – – –
2.613.188 1.754.269 555.635 44.061 259.223 –
191.108 191.108 – – – –
28 28 – – – –
56.062 56.062 – – – –
– – – – – –
365.426 281.126 84.300 – – –
– – – – – –
– – – – – –
6.308 6.308 – – – –
4.960 197 4.763 – – –

9.891 – – 1.377 2.543 5.971
56.617 (1.563.229) (92.365) 593.841 (102.790) 1.221.159

2021 Annual Report
Tabel 4. Pengungkapan Kuantitatif Risiko Operasional

Table 4. Quantitative Disclosures of Operational Risk
31 Desember | December 2021 31 Desember | December 2020

Pendapatan Pendapatan
Bruto (Rata- Bruto (Rata-
Pendekatan yang Digunakan rata 3 tahun rata 3 tahun
No Beban Modal Beban Modal
Approach Method terakhir) ATMR terakhir) ATMR
Capital Charge Capital Charge
Gross Income Gross Income
(Average Last 3 (Average Last 3
years) years)
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pendekatan Indikator Dasar 1.112.973 166.946 2.086.824 1.338.192 200.729 2.509.110

Basic Indicator Approach
Total 1.112.973 166.946 2.086.824 1.338.192 200.729 2.509.110

Tabel 5. Laporan Perhitungan Kewajiban Penyediaan Modal Minimum

Table 5. Minimum Capital Adequacy Requirement Calculation Report
Total
No Komponen Components
2021 2020
Modal Inti Utama/Common Equity Tier I Common Equity Tier 1 capital: instruments
(CET1): Instrumen dan Tambahan Modal and reserves
Disetor
1 Saham biasa (termasuk stock surplus) Directly issued qualifying common share (and 3.682.360 3.682.360
equivalent for non-joint stock companies)
capital plus related stock surplus
2 Laba ditahan Retained earnings (840.407) (906.174)
3 Akumulasi penghasilan komprehensif lain Accumulated other comprehensive income 2.144.396 2.190.524
(dan cadangan lain) (and other reserves)
4 Modal yang termasuk phase out dari CET1 Directly issued capital subject to phase out N/A N/A
from CET1 (only applicable to non-joint stock
companies)
5 Kepentingan Non Pengendali yang dapat Common share capital issued by subsidiaries – –
diperhitungkan and held by third parties (amount allowed in
group CET1)
6 CET1 sebelum regulatory adjustment CET1 capital before regulatory 4.986.349 4.966.710
adjustments
CET1: Faktor Pengurang (Regulatory CET1 capital: regulatory adjustments
Adjustment)
7 Selisih kurang jumlah penyesuaian nilai wajar Prudential valuation adjustments – –
dari instrumen keuangan dalam trading book
8 Goodwill Goodwill (net of related tax liability) – –
9 Aset tidak berwujud lain (selain Mortgage- Other intangibles other than mortgage- – N/A
Servicing Rights) servicing rights (net of related tax liability)
10 Aset pajak tangguhan yang berasal dari future Deferred tax assets that rely on future N/A N/A
profitability profitability excluding those arising from
temporary differences (net of related tax
liability)
11 Cash-flow hedge reserve Cash-flow hedge reserve N/A N/A
12 Shortfall on provisions to expected losses Shortfall of provisions to expected losses N/A N/A
13 Keuntungan dari sekuritisasi Securitisation gain on sale (as set out in N/A N/A
paragraph 562 of Basel II framework)
14 Peningkatan/penurunan nilai wajar atas Gains and losses due to changes in own N/A N/A
kewajiban keuangan (DVA) credit risk on fair valued liabilities
15 Aset pensiun imbalan pasti Defined-benefit pension fund net assets N/A N/A
16 Investasi pada saham sendiri (jika belum Investments in own shares (if not already N/A N/A
di net dalam modal pada Laporan Posisi netted off paid-in capital on reported balance
Keuangan) sheet)
17 Kepemilikan silang pada instrumen CET1 Reciprocal cross-holdings in common equity N/A N/A
pada entitas lain
18 Investasi pada modal bank, entitas keuangan Investments in the capital of Banking, N/A N/A
dan asuransi diluar cakupan konsolidasi financial and insurance entities that are
secara ketentuan, net posisi short yang outside the scope of regulatory consolidation,
diperkenankan, di mana Bank tidak memiliki net of eligible short positions, where the Bank
lebih dari 10% modal saham yang diterbitkan does not own more than 10% of the issued
(jumlah di atas batasan 10%) share capital (amount above 10% threshold)
19 Investasi signifikan pada saham biasa Bank, Significant investments in the common stock N/A –
entitas keuangan dan asuransi di luar of Banking, financial and insurance entities
cakupan konsolidasi secara ketentuan net that are outside the scope of regulatory
posisi short yang diperkenankan (jumlah di consolidation, net of eligible short positions
atas batasan 10%) (amount above 10% threshold)
20 Mortgage servicing rights Mortgage servicing rights (amount above 10% – N/A
threshold)
21 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary N/A N/A
perbedaan temporer (jumlah di atas batasan differences (amount above 10% threshold,
10%, net dari kewajiban pajak) net of related tax liability)
22 Jumlah melebihi batasan 15% dari: Amount exceeding the 15% threshold N/A N/A
23 investasi signifikan pada saham biasa of which: significant investments in the N/A N/A
financials common stock of financials
24 mortgage servicing rights of which: mortgage servicing rights N/A N/A

2021 Annual Report
Total
2021 2020
25 pajak tangguhan dari perbedaan temporer of which: deferred tax assets arising from N/A
temporary differences
26 Penyesuaian berdasarkan ketentuan spesifik Adjustments based on national specific 347.172
nasional provisions
26a Selisih PPA dan CKPN Difference between Allowance for Asset – –
Losses and Allowance for Impairment Losses
26b PPA atas aset non produktif Allowance for Asset Losses on non-earning 918 141.928
assets
26c Aset Pajak Tangguhan Deferred tax assets 140.465 6.095
26d Penyertaan Investment 6.095 –
26e Kekurangan modal pada perusahaan anak Lack of capital in insurance subsidiary – –
asuransi companies
26f Eksposur sekuritisasi Securitization Exposure – N/A
26g Lainnya Others N/A –
27 Penyesuaian pada CET1 akibat AT1 dan Tier 2 Regulatory adjustments applied to CET1 due – –
lebih kecil daripada faktor pengurangnya to insufficient Additional Tier 1 (AT1) and Tier
2 to cover deductions
28 Jumlah pengurang (regulatory adjustment) Total regulatory adjustments to CET1 147.478 495.195
terhadap CET1
29 Jumlah CET1 setelah faktor pengurang CET1 capital 4.838.871 4.471.515
Modal Inti Tambahan (Additional Tier 1)/ AT1 capital: instruments
AT1: Instrumen
30 Instrumen AT1 yang diterbitkan oleh Bank Directly issued qualifying AT1 instruments – –
(termasuk stock surplus) plus related stock surplus
31 Yang diklasifikasikan sebagai ekuitas of which: classified as equity under applicable – –
berdasarkan standar akuntansi accounting standards
32 Yang diklasifikasikan sebagai liabilitas of which: classified as liabilities under – –
berdasarkan standar akuntansi applicable accounting standards
33 Modal yang termasuk phase out dari AT1 Directly issued capital instruments subject to N/A N/A
phase out from AT1
34 Instrumen AT1 yang diterbitkan oleh Entitas AT1 instruments (and CET1 instruments not – –
Anak yang diakui dalam perhitungan KPMM included in row 5) issued by subsidiaries
secara konsolidasi and held by third parties (amount allowed in
group AT1)
35 Instrumen yang diterbitkan Entitas Anak yang of which: instruments issued by subsidiaries N/A N/A
termasuk phase out subject to phase out
36 Jumlah AT1 sebelum regulatory adjustment AT1 capital before regulatory adjustments – –
Modal Inti Tambahan: Faktor Pengurang AT1 capital: regulatory adjustments
(Regulatory Adjustment)
37 Investasi pada instrumen AT1 sendiri Investments in own AT1 instruments N/A N/A
38 Kepemilikan silang pada instrumen AT1 pada Reciprocal cross-holdings in AT1 instruments N/A N/A
entitas lain
39 Aset Pajak Tangguhan Investasi pada modal Investments in the capital of Banking, N/A N/A
bank, entitas keuangan dan asuransi di luar financial and insurance entities that are
cakupan konsolidasi secara ketentuan, net outside the scope of regulatory consolidation,
posisi short yang diperkenankan, di mana net of eligible short positions, where the Bank
Bank tidak memiliki lebih dari 10% modal does not own more than 10% of the issued
saham yang diterbitkan (jumlah di atas common share capital of the entity (amount
batasan 10%) above 10% threshold)
40 Investasi signifikan pada modal Bank, entitas Significant investments in the capital of N/A N/A
keuangan dan asuransi di luar cakupan Banking, financial and insurance entities
konsolidasi secara ketentuan that are outside the scope of regulatory
consolidation (net of eligible short positions)
41 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments
nasional
41a Penempatan dana pada instrumen AT1 pada Placement of funds on Additional Tier 1 – –
Bank lain instruments with other banks
42 Penyesuaian pada AT1 akibat Tier 2 lebih kecil Regulatory adjustments applied to Additional – –
daripada faktor pengurangnya Tier 1 due to insufficient Tier 2 to cover
deductions

Total
2021 2020
43 Jumlah faktor pengurang (regulatory Total regulatory adjustments to AT1 – –
adjustment) terhadap AT1 capital
44 Jumlah AT1 setelah faktor pengurang AT1 capital – –
45 Jumlah Modal Inti (Tier 1 = CET1 + AT1) Tier 1 capital (T1 = CET1 + AT1) 4.838.871 4.471.515
Modal Pelengkap (Tier 2): Instumen dan Tier 2 capital: instruments and provisions
cadangan
46 Instrumen T2 yang diterbitkan oleh Bank Directly issued qualifying Tier 2 instruments 100.000 100.000
(termasuk stock surplus) plus related stock surplus
47 Modal yang termasuk phase out dari Tier 2 Directly issued capital instruments subject to N/A N/A
phase out from Tier 2
48 Instrumen Tier 2 yang diterbitkan oleh Entitas Tier 2 instruments (and CET1 and AT1 – –
Anak yang diakui dalam perhitungan KPMM instruments not included in rows 5 or 34)
secara konsolidasi issued by subsidiaries and held by third
parties (amount allowed in group Tier 2)
49 Penempatan dana pada instrumen AT1 pada of which: instruments issued by subsidiaries N/A N/A
Bank lain Modal yang diterbitkan Entitas Anak subject to phase out
yang termasuk phase out
50 Cadangan umum PPA atas aset produktif Provisions 247.070 234.431
yang wajib dihitung dengan jumlah paling
tinggi sebesar 1,25% dari ATMR untuk Risiko
Kredit + Cadangan Tujuan
51 Jumlah Modal Pelengkap (Tier 2) sebelum Tier 2 capital before regulatory adjustments 347.070 334.431
faktor pengurang
Modal Pelengkap (Tier 2): Faktor Tier 2 capital: regulatory adjustments
Pengurang (Regulatory Adjustment)
52 Investasi pada instrumen Tier 2 sendiri Investments in own Tier 2 instruments N/A N/A
53 Pemilikan instrumen Tier 2 secara resiprokal Reciprocal cross-holdings in Tier 2 N/A N/A
instruments
54 Investasi pada modal bank, entitas keuangan Investments in the capital of Banking, N/A N/A
dan asuransi di luar cakupan konsolidasi financial and insurance entities that are
secara ketentuan, net posisi short yang outside the scope of regulatory consolidation,
diperkenankan, di mana Bank tidak memiliki net of eligible short positions, where the Bank
lebih dari 10% modal saham yang diterbitkan does not own more than 10% of the issued
(jumlah di atas batasan 10%) common share capital of the entity (amount
above the 10% threshold)
55 Investasi signifikan pada modal Bank, entitas Significant investments in the capital Banking, N/A N/A
keuangan dan asuransi di luar cakupan financial and insurance entities that are
konsolidasi secara ketentuan outside the scope of regulatory consolidation
(net of eligible short positions)
56 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments
nasional
56a Penempatan dana pada instrumen Tier 2 Placement of funds in Tier 2 instruments with – –
pada bank lain other banks
56b Sinking fund Sinking fund – –
57 Jumlah faktor pengurang (regulatory Total regulatory adjustments to Tier 2 – –
adjustment) Modal Pelengkap capital
58 Jumlah T2 setelah regulatory adjustment Tier 2 capital (T2) 347.070 334.431
59 Total Modal (Modal Inti + Modal Total capital (TC = T1 + T2) 5.185.941 4.805.946
Pelengkap)
60 Total ATMR Total risk weighted assets 21.826.787 31.593.331
Rasio Kecukupan Pemenuhan Modal Capital ratios and buffers
Minimum (KPMM) dan Tambahan Modal
(Capital Buffer)
61 Rasio Modal Inti Utama (CET1) – CET1 (as a percentage of risk weighted 22,17% 14,15%
persentase terhadap ATMR assets)
62 Rasio Modal Inti (Tier 1) – persentase Tier 1 (as a percentage of risk weighted 22,17% 14,15%
terhadap ATMR assets)
63 Rasio Total Modal – persentase terhadap Total capital (as a percentage of risk 23,76% 15,21%
ATMR weighted assets)

2021 Annual Report
Total
2021 2020
64 Tambahan modal (buffer) – persentase Institution specific buffer requirement 0,00% 0,00%
terhadap ATMR terdiri dari: (minimum CET1 requirement plus capital
conservation buffer plus countercyclical
buffer requirements plus G-SIB buffer
requirement, expressed as a percentage of
risk weighted assets)
65 Capital Conservation Buffer of which: capital conservation buffer 0,00% 0,00%
requirement
66 Countercyclical Buffer of which: Bank specific countercyclical buffer 0,00% 0,00%
requirement
67 Capital Surcharge untuk Bank Sistemik of which: G-SIB buffer requirement 0,00% 0,00%
68 Modal Inti Utama (CET1) yang tersedia Common Equity Tier 1 available to meet 13,76% 5,21%
untuk memenuhi Tambahan Modal buffers (as a percentage of risk weighted
(Buffer) – persentase terhadap ATMR assets)
National minima (jika berbeda dari National minima (if different from Basel 3)
Basel 3)
69 Rasio minimal CET1 nasional (jika berbeda National Common Equity Tier 1 minimum
dengan Basel 3) ratio (if different from Basel 3 minimum)
70 Rasio minimal Tier 1 nasional (jika berbeda National Tier 1 minimum ratio (if different
dengan Basel 3) from Basel 3 minimum)
71 Rasio minimal total modal nasional (jika National total capital minimum ratio (if
berbeda dengan Basel 3) different from Basel 3 minimum)
Jumlah di bawah batasan pengurangan Amounts below the thresholds for
(sebelum pembobotan risiko) deduction (before risk weighting)
72 Investasi non-signifikan pada modal entitas Non-significant investments in the capital of
keuangan lain other financials
73 Investasi signifikan pada saham biasa entitas Significant investments in the common stock
keuangan of financials
74 Mortgage servicing rights (net dari kewajiban Mortgage servicing rights (net of related tax
pajak) liability)
75 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary
perbedaan temporer (net dari kewajiban differences (net of related tax liability)
pajak)
Jumlah di bawah batasan pengurangan Amounts below the thresholds for
(sebelum pembobotan risiko) deduction (before risk weighting)
76 Provisi yang dapat diakui sebagai Tier 2 sesuai Provisions eligible for inclusion in Tier 2 in
dengan eksposur berdasarkan pendekatan respect of exposures subject to standardised
standar (sebelum dikenakan cap) approach (prior to application of cap)
77 Cap atas provisi yang diakui sebagai Tier 2 Cap on inclusion of provisions in Tier 2 under
berdasarkan pendekatan standar standardised approach
78 Provisi yang dapat diakui sebagai Tier 2 sesuai Provisions eligible for inclusion in Tier 2 in
dengan eksposur berdasarkan pendekatan respect of exposures subject to internal
IRB (sebelum dikenakan cap) ratings-based approach (prior to application
of cap)
79 Cap atas provisi yang diakui sebagai Tier 2 Cap for inclusion of provisions in Tier 2 under
berdasarkan pendekatan IRB internal ratings-based approach



2021 Annual Report
Tata Kelola Perusahaan
Corporate Governance
345 Komitmen dan Kebijakan Penerapan Good Corporate 521 Komite Pengarah Teknologi Informasi
Governance Information Technology Steering Committee
The Commitment and Policy of Good Corporate 524 Asset & Liability Committee (ALCO)
Governance Implementation Asset & Liability Committee (ALCO)
352 Peningkatan Kualitas Good Corporate Governance 535 Komite Manajemen Risiko
Quality Improvement of Good Corporate Governance Risk Management Committee
353 Penilaian Penerapan Good Corporate Governance 541 Komite Sumber Daya Manusia
Assessment of Good Corporate Governance Human Capital Committee
Implementation 545 Sekretaris Perusahaan
359 Penerapan atas Pedoman Tata Kelola Perusahaan Corporate Secretary
Terbuka 549 Satuan Kerja Audit Internal (SKAI)
Implementation of Corporate Governance Guidelines for Internal Audit Work Unit (IAU)
Public Companies 551 Sistem Pengendalian Internal
376 Struktur dan Mekanisme Corporate Governance Internal Control System
Corporate Governance Structure and Mechanism 554 Audit Eksternal
378 Rapat Umum Pemegang Saham External Audit
General Meeting of Shareholders 555 Sistem Manajemen Risiko
402 Informasi Pemegang Saham Utama/Pengendali Risk Management System
Information on the Majority/Controlling Shareholders 555 Satuan Kerja Kepatuhan
403 Dewan Pengawas Syariah Compliance Unit
Sharia Supervisory Board 562 Anti Pencucian Uang dan Pencegahan Pendanaan
415 Dewan Komisaris Terorisme (APU & PPT)
Board of Commissioners Anti Money Laundering and Counter Financing of
429 Komisaris Independen Terrorism (AML & CFT)
Independent Commissioners 564 Perkara Penting
433 Direksi Important Cases
Board of Directors 565 Sanksi Administratif
451 Hubungan Afiliasi antara Anggota Direksi, Dewan Administrative Sanction
Komisaris, dan Pemegang Saham Utama dan/atau 565 Akses Informasi dan Data Perusahaan
Pengendali Access to Company Data and Information
Affiliate Relationship between Members of the Board of 569 Kode Etik Perusahaan
Directors, the Board of Commissioners, and Majority and/ Company Code of Conduct
or Controlling Shareholders 571 Kebijakan Anti Korupsi/Fraud dan Sosialisasinya
Anti-Corruption/Fraud Policy and Its Socialization
453 Kebijakan Pengungkapan Informasi Kepemilikan
Saham 575 Pengendalian Gratifikasi
Policy on Disclosure of Information on Share Ownership Gratuity Control
457 Penilaian Dewan Komisaris dan Direksi 575 Transparansi Kondisi Keuangan dan Non-Keuangan
Assessment of the Board of Commissioners and the Transparency of Company’s Financial and Non-Financial
Board of Directors Conditions
465 Nominasi dan Remunerasi Dewan Pengawas Syariah, 577 Pembeliaan Kembali Saham dan Obligasi Bank
Dewan Komisaris, dan Direksi Muamalat Indonesia
Nomination and Remuneration of the Sharia Supervisory Buyback of Shares and Bonds of Bank Muamalat
Board, the Board of Commissioners, and the Board of Indonesia
Directors 577 Pemberian Dana untuk Kegiatan Sosial dan Politik
Provision of Funds for Social and Political Activities
485 Komite Audit
Audit Committee 577 Batas Maksimum Penyaluran Dana (BMPD)
Legal Lending Limit (LLL)
495 Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee 578 Kebijakan Perlindungan Nasabah
Customer Protection Policy
504 Komite Pemantau Risiko
Risk Oversight Committee 578 Perlindungan Hak Kreditur
Creditor Rights Protection
515 Komite Tata Kelola Perusahaan
Corporate Governance Committee 579 Sistem Pelaporan Pelanggaran
Whistleblowing System
520 Komite di Bawah Direksi
Committees under the Board of Directors 581 Pendapatan Non-Halal dan Penggunaannya
Non-Halal Income and Use
Bank Muamalat menyadari bahwa penerapan prinsip tata Bank Muamalat realizes that the application of good
kelola perusahaan yang baik atau Good Corporate Governance corporate governance (GCG) principles is one of the most
(GCG) menjadi salah satu faktor fundamental yang sangat important fundamental factors in the management of a
penting dalam pengelolaan perusahaan. Penerapan GCG company. The implementation of GCG will support the Bank
akan memberikan dukungan Bank untuk tumbuh secara to grow in a sustainable manner.
berkesinambungan.
Bahkan saat ini, para investor melihat GCG sebagai salah satu Even today, investors consider GCG as one of the important
indikator penting untuk menilai sebuah entitas, terutama indicators to assess an entity, particularly in regards to
terkait prospek kinerja berkelanjutan di masa mendatang. prospects for sustainable performance in the future. This is
Hal itu didasari atas keyakinan bahwa GCG adalah prinsip based on the belief that GCG is the principle that determines
yang mendasari proses dan mekanisme pengelolaan the process and mechanism of managing a company
perusahaan berlandaskan kepatuhan terhadap peraturan based on compliance with laws and regulations as well as a
perundang-undangan serta cerminan dunia usaha yang reflection of an ethical business.
beretika.
Karena itulah, Bank Muamalat menjadikan penerapan GCG For this reason, Bank Muamalat makes the implementation
sebagai suatu kebutuhan dalam pengelolaan kegiatan usaha of GCG a necessity in managing the Bank’s business activities,
Bank, bukan lagi sekadar kewajiban akibat adanya peraturan no longer merely an obligation due to regulations that must
yang harus dipatuhi. be complied with.

PT Bank Muamalat Indonesia Tbk meraih penghargaan

“1st The Best Informative Website 2021” kategori Sharia Bank - Public
Company pada acara Indonesia Corporate Secretary and Corporate
Communication Award VI 2021 tanggal 11 Juni 2021.
Sejalan dengan penghargaan yang diperoleh, Bank Muamalat

berkomitmen untuk terus meningkatkan kemudahan dan kualitas
keterbukaan informasi kepada pemegang saham, pemangku
kepentingan dan masyarakat melalui situs resmi perusahaan.
Keberadaan situs Perusahaan dan keterbukaan informasi perusahaan
tersebut merupakan bagian penting dari tata kelola perusahaan yang
baik serta salah satu indikator pemenuhan kepatuhan Bank atas
regulasi yang berlaku.
PT Bank Muamalat Indonesia Tbk won the “1st The Best Informative Website 2021”
category Sharia Bank - Public Company at the Indonesia Corporate Secretary and
Corporate Communication Award VI 2021 on June 11, 2021.
In line with the awards received, Bank Muamalat is committed to continuously improve
the convenience and quality of disclosure of information to shareholders, stakeholders
and the public through the company’s official website. The existence of a company
website and disclosure of information of the company is an important part of good
corporate governance and an indicator of Bank’s compliance with applicable regulations.
Komitmen dan Kebijakan Penerapan Good

Corporate Governance
Commitment and Policy of Good Corporate Governance Implementation
Penerapan GCG oleh Perseroan didasari oleh lima The Company’s GCG Company is based on five principles,
prinsip yaitu: Transparansi, Akuntabilitas, Responsibilitas, namely: Transparency, Accountability, Responsibility,
Profesional dan Kesetaraan/Kewajaran. Implementasi Professionalism and Equality/ Fairness. The implementation
prinsip-prinsip GCG di BMI dilakukan secara berkelanjutan of GCG principles at BMI is carried out in a sustainable
dan diawali dengan proses internalisasi di lingkungan Bank manner, starting with an internalization process within the
agar setiap unit organisasi Bank memiliki kesepahaman Bank to ensure that each of the Bank’s organizational unit
terkait penerapan GCG. Selain itu, setiap unit organisasi has an understanding regarding GCG implementation. In
Bank diharapkan menyertakan penerapan prinsip-prinsip addition, each of the Bank’s organizational unit is expected
GCG secara konsisten dalam menjalankan fungsinya. to include consistent application of GCG principles in
Selanjutnya, penerapan prinsip-prinsip di lingkungan Bank carrying out its functions. Furthermore, the application of
Muamalat diuraikan dalam tabel berikut ini: the principles within Bank Muamalat is described in the
following table:

2021 Annual Report
Prinsip
Implementasi di Bank Muamalat Indonesia Implementation at Bank Muamalat Indonesia
Principle
Transparansi Keterbukaan atau transparansi mengandung Transparency contains the elements of
“Sesungguhnya Allah menyuruh unsur pengungkapan (disclosure) dan penyediaan disclosure and the provision of information in a
kamu menyampaikan amanat (hak/ informasi secara tepat waktu, memadai, jelas, timely, adequate, clear, and accurate manner as
informasi) kepada yang berhak akurat, dapat diperbandingkan serta mudah well as comparable and easily accessed by the
menerimanya” (QS. An-Nisa: 58) diakses oleh para pemangku kepentingan dan stakeholders and the public
masyarakat.
Transparency
“Indeed, Allah commands you to Bank dan jajaran manajemen selalu berupaya The Bank and all levels of its management
render trust to whom it is due” menjamin adanya keterbukaan dalam always seek to ensure transparency in
(QS. An-Nisa: 58) menyampaikan informasi materiil dan relevan. conveying material, relevant information, as
Begitu juga dalam melaksanakan proses well as transparency in the decision making
pengambilan keputusan. Seluruh Informasi process. All information is easily accessed by the
mudah diakses oleh para pemangku kepentingan stakeholders in accordance with their rights
sesuai dengan haknya.
Kebijakan BMI dibuat secara tertulis dan BMI’s policy is communicated in writing to
dikomunikasikan kepada pemangku kepentingan all stakeholders who are entitled to obtain
yang berhak memperoleh informasi. the information. Transparency does not only
Keterbukaan tidak hanya mengungkapkan mean the disclosure of information required
informasi yang diwajibkan oleh peraturan by the legislation, but it is also important in the
perundang-undangan, tetapi juga hal penting decision making process in accordance with
dalam proses pengambilan keputusan sesuai sharia provisions, without reducing the Bank’s
ketentuan syariah, tanpa mengurangi kewajiban obligation to comply with the provision on the
Bank memenuhi ketentuan kerahasiaan confidentiality of the organization in accordance
organisasi sesuai peraturan perundang- with applicable legislations.
undangan yang berlaku.
Akuntabilitas Akuntabilitas merupakan bagian dari Accountability contains clarity of function within
“Sesungguhnya yang takut kepada kejelasan fungsi dalam organisasi dan cara the organization and behaving responsibly, thus
Allah di antara hamba-hamba-Nya, mempertanggungjawabkannya sehingga management can run effectively.
hanyalah ulama (orang-orang yang pengelolaannya dapat berjalan secara efektif.
berilmu pengetahuan)”
(QS Fathir: 28) Manajemen Bank Muamalat Indonesia Bank Muamalat Indonesia’s management
mempertanggungjawabkan kinerjanya secara must be accountable for a fair and transparent
“Adakah sama orang yang berilmu transparan dan wajar. Untuk itu, bisnis Bank performance. To that end, the business of
pengetahuan dengan yang tidak Muamalat Indonesia harus dikelola secara benar, Bank Muamalat Indonesia should be properly
berilmu pengetahuan” terukur dan sesuai kepentingan pelaku bisnis managed, measured and should be in accordance
(QS Az-Zumar: 9) dengan tetap memperhitungkan kepentingan with the interests of the business while taking
para pemangku kepentingan. into account the interests of stakeholders.
“Allah mengangkat derajat orang
yang beriman di antara kamu
dan orang yang memiliki ilmu
pengetahuan beberapa derajat.
Allah Maha Mengetahui apa-apa
yang kamu lakukan”
(QS Al-Mujaadilah: 11)
Accountability
“Only those who fear Allah, from
among His servants, who have
knowledge” (QS Fathir: 28)
“Are those who know equal to those

who do not know?” (QS Az- Zumar:9)
“Allah will raise those who have

believed among you and those who
were given knowledge, by degrees.
And Allah is Acquainted with what
you do” (QS Al-Mujaadilah: 11)

Prinsip
Implementasi di Bank Muamalat Indonesia Implementation at Bank Muamalat Indonesia
Principle
Responsibilitas Pertanggungjawaban atau responsibilitas Responsibility is a form of compliance toward
“Tiap-tiap diri bertanggung jawab merupakan bentuk kepatuhan terhadap legislation and internal regulations as well
atas apa yang telah diperbuatnya” peraturan perundang-undangan dan ketentuan as responsibility towards society and the
(QS Al-Muddatsir: 38) internal serta tanggung jawab terhadap environment. Responsibility is required to
masyarakat dan lingkungan. Responsibilitas ensure long-term sustainability of the business
Responsibility diperlukan agar dapat menjamin terpeliharanya and recognition as a good corporate citizen.
“Every soul, for what it has earned, kesinambungan usaha dalam jangka panjang
will be retained” dan mendapat pengakuan sebagai warga
(QS Al-Muddatsir: 38) korporasi yang baik/good corporate citizen.
Jajaran manajemen BMI selalu berpegang The management of BMI always adheres to the
teguh pada prinsip kehati-hatian dan peraturan prudence principles in all actions, along with the
perundang-undangan yang berlaku serta conformity with applicable legislation and the
prinsip pengelolaan bank yang sehat dalam principles of sound bank management, while
setiap tindakannya, dengan tetap menyadari taking into account possible risks and negative
segala risiko dan implikasi negatif yang mungkin implications caused by its actions. The Bank and
ditimbulkan oleh tindakannya. Bank dan jajaran its management must show consideration for
manajemen Bank harus selalu mengingat the interests of all stakeholders in carrying out
kepentingan seluruh pemangku kepentingan its functions, determining policies, or making
dalam menjalankan fungsinya dan menetapkan decisions
kebijaksanaan dalam mengambil keputusan.
Profesional Bank mendefinisikan profesional sebagai The Bank defines professionalism as competent,
“Barang siapa meniru-niru suatu kompeten, mampu bertindak objektif, bebas able to act objectively, free from influence/
kaum, maka ia termasuk golongan dari pengaruh/ tekanan dari pihak mana pressure from any party (independent), avoid
mereka” (HR Abu Daud) pun (independen), terhindar dari benturan conflicts of interest and have a high commitment
kepentingan serta memiliki komitmen yang to developing BMI
“Sesungguhnya Allah mencintai tinggi untuk mengembangkan BMI.
seseorang apabila mengerjakan
sesuatu pekerjaan, dilakukan secara Bank dan seluruh jajaran manajemen menjamin The Bank and its management ensure that Bank
profesional (itqon)” (HR Abu Ya’la dan bahwa Bank Muamalat Indonesia dikelola secara Muamalat Indonesia is managed in a professional
dishahihkan oleh Albany) profesional tanpa adanya benturan kepentingan manner with no conflict of interest and avoids
dan dapat menghindari pengaruh/tekanan influence or pressure from other parties
Professional dari pihak mana pun (independen) yang tidak (independent) which are not in accordance with
“Whoever imitates a People becomes sesuai dengan peraturan perundang-undangan the applicable legislations and the principles of
one of them” (HR Abu Dawud) yang berlaku dan prinsip-prinsip korporasi yang a sound corporation. Implementation of the
sehat. Implementasi prinsip profesional dan professionalism and independence principles
“Trully, God loves someone who kemandirian dilaksanakan oleh BMI. are implemented by BMI.
carries out work in a professional
manner (itqon)” (HR Abu Ya’la dan
dishahihkan oleh Albany)
Kewajaran dan Kesetaraan Kewajaran dan kesetaraan merupakan nilai Fairness and equality contain the elements
“Sesungguhnya Allah dari perlakuan yang adil dan kesempatan yang of fair treatment and equal opportunity in a
memerintahkan kamu untuk berlaku sama sesuai proporsinya dalam memenuhi proportionate manner in fulfilling the rights
adil dan berbuat kebaikan” hak-hak pemangku kepentingan berdasarkan of stakeholders under the agreements and
(QS An-Nahl: 90) perjanjian dan peraturan perundang-undangan the legislation in force. Equality means the
yang berlaku. Kesetaraan mengandung unsur similarity of treatment and opportunity, thus
“Wahai orang-orang yang beriman, kesamaan perlakuan dan kesempatan, sehingga always considering the interests of shareholders,
jadilah kamu orang yang benar- senantiasa memperhatikan kepentingan customers, and other stakeholders based on the
benar penegak keadilan, menjadi pemegang saham, nasabah dan pemangku principles of fairness towards each of the parties
saksi karena Allah biarpun terhadap kepentingan lainnya berdasarkan asas kewajaran concerned
dirimu sendiri atau ibu bapak dan serta kesetaraan dari masing-masing pihak yang
kaum kerabatmu...” bersangkutan antara lain:
(QS An-Nisa:135) 1. BMI menerapkan prinsip kewajaran yang 1. BMI applies the fairness principle, which is
diimplementasikan sebagai keadilan dan implemented as justice and equality (equal
Fairness and Equality kesetaraan (equal treatment) di dalam treatment) in fulfilling the rights of the
“Indeed, Allah orders justice and memenuhi hak-hak pemangku kepentingan stakeholders arising under the agreements,
good conduct” (QS An-Nahl: 90) yang timbul berdasarkan perjanjian dan laws and regulations in force
peraturan perundang-undangan yang berlaku.
“O you who have believed, 2. BMI menjamin bahwa setiap pemangku 2. BMI ensures that all stakeholders receive
persistently stand firm in justice, kepentingan akan mendapatkan perlakuan equal treatment without any discrimination
witnesses for Allah, even if it be yang setara tanpa diskriminasi sesuai dengan in accordance with applicable laws and
against yourselves or parents and peraturan perundang-undangan yang ada. regulations.
relatives...” (QS An-Nisa:135)

2021 Annual Report
KEBIJAKAN PENERAPAN GOOD CORPORATE GOOD CORPORATE GOVERNANCE

GOVERNANCE IMPLEMENTATION POLICY
Seluruh insan Bank Muamalat, tanpa terkecuali, dituntut All personnel of Bank Muamalat, without exception, are
untuk menyadari risiko yang mungkin muncul dalam required to be aware of the risks that may arise in every
setiap pekerjaan. Karena itu, penerapan prinsip-prinsip job. To that end, the application of GCG principles is the
GCG merupakan landasan berpikir dan bertindak saat basis for thinking and acting in carrying out their duties and
melaksanakan tugas dan tanggung jawabnya. Keberhasilan responsibilities. The success of internalizing GCG principles
internalisasi prinsip GCG dalam setiap kebijakan akan in each policy will make the management of the Bank can
menjadikan pengelolaan Bank dilakukan secara terbuka, be carried out in a transparent, clear, accountable, fair, and
jelas, dapat dipertanggungjawabkan, adil serta independen. independent manner.
Prinsip-prinsip tersebut melekat pada setiap jajaran These principles are inherent in every level of the
organisasi. Sebagai acuan bagi Insan Bank Muamalat, organization. As a reference for Bank Muamalat Personnel,
Anggaran Dasar Perusahaan berperan sebagai pijakan the Company’s Articles of Association serves as the basis
dasar dalam penerapan prinsip-prinsip GCG, yang telah for the implementation of GCG principles, which have been
disusun dari berbagai acuan Undang-undang dan peraturan compiled from various references to laws and regulatory
regulator yang sesuai dengan kegiatan usaha Bank. regulations that are in accordance with the Bank’s business
activities.
BMI memiliki Governance Framework dalam penerapan BMI has established a Governance Framework in GCG
GCG, yaitu: implementation, namely:
1. Komitmen Tata Kelola 1. Governance Commitment
Tahapan awal dalam penerapan GCG yakni membangun The initial stage of GCG implementation is building the
komitmen dari seluruh jajaran Bank untuk menjadi bagian commitment of the Bank’s management to be part
dalam implementasi tata kelola perusahaan. Bentuk of the implementation of corporate governance. The
implementasi komitmen dimulai dengan membangun commitment is formed by having a solid foundation as
landasan yang menjadi dasar pelaksanaan komitmen a basis of implementing the commitment such as the
implementasi seperti Anggaran Dasar Perusahaan, Visi Company’s Articles of Association, Vision & Mission, and
dan Misi Perusahaan, dan Code of Conduct. Code of Conduct.
2. Struktur Tata Kelola 2. Governance Structure
Bank melengkapi dan menempatkan sumber daya yang The Bank completes and places the right resources in
tepat pada struktur perusahaan dan menyempurnakan the Company’s structure as well as improving several
berbagai infrastruktur pendukung untuk memastikan supporting infrastructures to ensure that the governance
governance process dapat berjalan seperti seharusnya. process runs as it is supposed to be.
3. Mekanisme Tata Kelola 3. Governance Mechanism
Prinsip-prinsip GCG dibuat melekat dalam kebijakan, The Governance Principles are arranged to be inherent
pedoman, prosedur kerja, dan aturan internal lainnya in policies, guidelines, work procedures, and other
guna memastikan prinsip-prinsip tersebut terlaksana internal rules to ensure that the governance principles
dan dapat memenuhi governance process. are administered in compliance with the governance
process.

4. Sosialisasi dan Evaluasi 4. Sosialization and Evaluation

Untuk memastikan jajaran perusahaan dapat To ensure that all levels of the Company are able to
mengimplementasikan prinsip-prinsip tata kelola implement the governance principles that have been
yang telah diinternalisasi dalam sistem perusahaan internalised within the Company’s system, the next step
maka tahapan berikutnya ialah melakukan sosialisasi is then to disseminate information to the Company’s
kepada seluruh jajaran perusahaan. Dengan management. Through socialisation, all levels are
dilaksanakannya sosialisasi tersebut, diharapkan expected to be able to properly comprehend and
seluruh jajaran perusahaan memahami dan dapat implement governance in carrying out their duties and
mengimplementasikan GCG di tiap pelaksanaan tugas responsibilities. Evaluations are conducted to monitor
dan tanggung jawabnya. Evaluasi dilaksanakan untuk how far the implementation has been performed and
memantau sampai sejauh mana implementasi telah to improve matters that are still insufficients for future
dilaksanakan dan guna memperbaiki kekurangan untuk improvement.
perbaikan di masa yang akan datang.
DASAR PENERAPAN GOOD CORPORATE BASIS OF GOOD CORPORATE

GOVERNANCE GOVERNANCE IMPLEMENTATION
Penerapan GCG di lingkungan BMI mengacu pada berbagai The implementation of GCG within BMI refers to various laws
peraturan perundang-undangan, antara lain: and regulations, including:
Jenis Peraturan
Peraturan Regulation
Type of Regulation
Undang-undang • Undang Undang No. 21 tahun 2008 tentang • Law No. 21 of 2008 on Sharia Banking.
Law Perbankan Syariah.
• Undang-Undang No. 40 Tahun 2007 Tentang • Law No. 40 of 2007 on Limited Liability
Perseroan Terbatas. Companies.
Peraturan Bank Indonesia • Peraturan Bank Indonesia No. 11/3/PBI/2009 • Bank Indonesia Regulation No. 11/3/PBI/2009
Bank Indonesian Regulation tentang Bank Umum Syariah sebagaimana on Sharia Commercial Banks as amended by
diubah dengan Peraturan Bank Indonesia No. Bank Indonesia Regulation No. 15/3/PBI/2013
15/3/PBI/2013 tentang Bank Umum Syariah. on Sharia Commercial Banks
• Peraturan Bank Indonesia No. 11/33/PBI/2009 • Bank Indonesia Regulation No. 11/33/
tentang Pelaksanaan Good Corporate PBI/2009 on the Implementation of Good
Governance bagi Bank Umum Syariah dan Corporate Governance for Sharia Commercial
Unit Usaha Syariah. Banks and Sharia Business Units
• Peraturan Bank Indonesia No. 14/6/PBI/2012 • Bank Indonesia Regulation No. 14/6/PBI/2012
tanggal 18 Juni 2012 tentang Uji Kemampuan dated 18 June 2012 on Fit and Proper Test for
dan Kepatutan (Fit and Proper Test) Bank Sharia Banks and Sharia Business Units .
Syariah dan Unit Usaha Syariah.
Surat Edaran Bank Indonesia • Surat Edaran Bank Indonesia No. 12/13/DPbS • Circular Letter of Bank Indonesia
Circular Letter of Bank Indonesia tanggal 30 April 2010 tentang Pelaksanaan No. 12/13/DPbS dated 30 April 2010 on
Good Corporate Governance bagi Bank Umum the Implementation of Good Corporate
Syariah dan Unit Usaha Syariah. Governance for Sharia Commercial Banks and
• Surat Edaran Bank Indonesia No. 15/50/DPbS Sharia Business Units.
No. 11/9/DPbS tanggal 7 April 2009 perihal • Circular Letter of Bank Indonesia No. 15/50/
Bank Umum Syariah sebagaimana telah DPbS No. 11/9/DPbS dated 7 April 2009 on
diubah dengan Surat Edaran Bank Indonesia Sharia Commercial Banks as amended by
No. 15/50/DPbS. Circular Letter of Bank Indonesia No. 15/50/
DPbS.

2021 Annual Report
Jenis Peraturan
Type of Regulation
Peraturan Otoritas Jasa Keuangan • Peraturan Otoritas Jasa Keuangan No. 8/ • Financial Services Authority Regulation No. 8/
(OJK) POJK.03/2014 tentang Penilaian Tingkat POJK.03/2014 on Risk-Based Rating of Sharia
Financial Services Authority (OJK) Kesehatan Bank Umum Syariah dan Unit Commercial Banks and Sharia Business Units
Regulation Usaha Syariah
• Peraturan Otoritas Jasa Keuangan No. 33/ • Financial Services Authority Regulation
POJK.04/2014 tentang Direksi dan Dewan No. 33/POJK.04/2014 on the Board of
Komisaris Emiten atau Perusahaan Publik Directors and Board of Commissioners of
Issuers or Public Companies
• Peraturan Otoritas Jasa Keuangan No. 8/ • Financial Services Authority Regulation No. 8/
POJK.04/2015 tentang Situs Web Emiten atau POJK.04/2015 on Websites of Issuers or Public
Perusahaan Publik. Companies.
POJK.04/2015 tentang Penerapan Pedoman No. 21/POJK.04/2015 on Application of
Tata Kelola Perusahaan Terbuka. Corporate Governance Guidelines for Public
Companies.
POJK.04/2015 tentang Keterbukaan atas No. 31/POJK.04/2015 on Disclosure of
Informasi atau Fakta Material oleh Emiten Material Facts or Information by Issuers or
atau Perusahaan Publik. Public Companies.
POJK.04/2020 tentang Transaksi Material dan No. 17/POJK.04/2020 on Material Transactions
Perubahan Kegiatan Usaha. and Changes in Business Activities.
POJK.03/2016 tentang Penilaian Kemampuan No. 27/POJK.03/2016 on Fit and Proper
dan Kepatutan bagi Pihak Utama Lembaga Test for Main Parties of Financial Services
Jasa Keuangan. Institutions.
POJK.04/2016 tentang Laporan Tahunan No. 29/POJK.04/2016 on Annual Reports of
Emiten atau Perusahaan Publik Issuers or Public Companies.
POJK.03/2017 tentang Penerapan Keuangan No. 51/POJK.03/2017 on the Implementation
Berkelanjutan bagi Lembaga Jasa Keuangan, of Sustainable Finance for Financial Services
Emiten dan Perusahaan Publik. Institutions, Issuers, and Public Companies.
POJK.03/2016 tentang Penerapan Manajemen No. 65/POJK.03/2016 on Implementation of
Risiko bagi Bank Umum Syariah dan Unit Risk Management for Sharia Commercial
Usaha Syariah. Banks and Sharia Business Units.
POJK.03/2017 tentang Pelaksanaan Fungsi No. 46/POJK.03/2017 on Implementation of
Kepatuhan Bank Umum. the Compliance Function for Commercial
Bank.
POJK.04/2020 tentang Rencana dan No. 15/POJK.04/2020 on Planning and
Penyelenggaraan Rapat Umum Pemegang Implementation of the General Meeting of
Saham Perusahaan Terbuka. Shareholders of Public Companies.
• Peraturan OJK No. 16/POJK.04/2020 tentang • OJK Regulation No. 16/POJK.04/2020 on the
Pelaksanaan Rapat Umum Pemegang Saham Implementation of the General Meeting
Perusahaan Terbuka Secara Elektronik. of Shareholders of Public Companies
Electronically.
POJK.03/2019 tentang Transparansi dan No. 37/POJK.03/2019 on Transparency and
Publikasi Laporan Bank. Publication of Bank Reports.
• Peraturan Otoritas Jasa Keuangan No. 3/ • Financial Services Authority Regulation No. 3/
POJK.04/2021 tentang Penyelenggaraan POJK.04/2021 on Implementation of Activities
Kegiatan di Bidang Pasar Modal. in the Capital Market Sector.
Surat Edaran Otoritas Jasa • Surat Edaran Otoritas Jasa Keuangan No. 10/ • Circular Letter of the Financial Services
Keuangan (OJK) SEOJK.03/2014 tentang Penilaian Tingkat Authority No. 10/SEOJK.03/2014 on Risk-
Circular Letter of the Financial Kesehatan Bank Umum Syariah dan Unit Based Bank Rating for Sharia Commercial
Services Authority (OJK) Usaha Syariah. Banks and Sharia Business Units.
• Surat Edaran Otoritas Jasa Keuangan No. 32/ • Circular Letter of the Financial Services
SEOJK.04/2015 tentang Pedoman Tata Kelola Authority No. 32/SEOJK.04/2015 on
Perusahaan Terbuka. Governance Guidelines of Public Companies.
SEOJK.04/2021 tentang Bentuk dan Isi Authority No. 16/SEOJK.04/2021 on the
Laporan Tahunan Emiten atau Perusahaan Format and Contents of Annual Reports of
Publik. Issuers or Public Companies.
SEOJK.03/2020 tentang Transparansi dan Authority No. 10/SEOJK.03/2020 on
Publikasi Laporan Bank Umum Syariah dan Transparency and Publication of Reports of
Unit Usaha Syariah. Sharia Commercial Banks and Sharia Business
Units.

Jenis Peraturan
Type of Regulation
Lain-lain • Anggaran Dasar PT Bank Muamalat • Articles of Association of PT Bank Muamalat
Others Indonesia Tbk. Indonesia Tbk.
• Pedoman Umum Good Governance Bisnis • General Guidelines of Good Governance for
Syariah Sharia Business.
• Board Manual PT Bank Muamalat • Board Manual of PT Bank Muamalat
Indonesia Tbk. Indonesia Tbk.
• Kebijakan Good Corporate Governance PT Bank • Good Corporate Governance Policy of
Muamalat Indonesia Tbk. PT Bank Muamalat Indonesia Tbk.
• Pedoman dan Prosedur Pelaksanaan • Guidelines and Procedures for Implementing
Penanganan Pelaporan Pengaduan Nasabah Customer Complaints Reporting of PT Bank
PT Bank Muamalat Indonesia Tbk. Muamalat Indonesia Tbk.
• Kode Etik Bankir. • Banker Code of Conduct.
• Kode Etik PT Bank Muamalat Indonesia Tbk. • PT Bank Muamalat Indonesia Tbk Code of
Conduct.
• Ittifaq Muamalat. • Ittifaq Muamalat.
GOVERNANCE OUTCOME DAN GOVERNANCE OUTCOME AND AWARD

PENGHARGAAN
BMI memiliki komitmen yang tinggi dalam menerapkan BMI is highly committed to implement the GCG principles
prinsip-prinsip GCG dengan tujuan sebagai berikut: with the following objectives:
1. Mengendalikan dan mengarahkan hubungan antara 1. Control and direct relationships between the Company’s
Organ Perusahaan (Pemegang Saham, Dewan Komisaris, Organs (Shareholders, Board of Commissioners,
Direksi dan Dewan Pengawas Syariah), karyawan, Board of Directors and Sharia Supervisory Board),
nasabah, mitra kerja, serta masyarakat dan lingkungan employees, customers, partners, as well as the public
agar seluruh aktivitas Bank dapat dijalankan dengan baik and environment in order for the Bank to run well in
sesuai dengan prinsip-prinsip GCG. accordance with GCG principles.
2. Meningkatkan citra (image) Bank Muamalat Indonesia 2. Improve the image of Bank Muamalat Indonesia to be
menjadi semakin baik di tingkat nasional maupun better at national and regional levels.
regional.
3. Meningkatkan kinerja Bank Muamalat melalui program- 3. Improve the performance of Bank Muamalat through
program efisiensi perusahaan yang tercipta dari the Company’s efficiency programs created by the
penerapan budaya GCG di setiap kegiatan operasional. implementation of GCG culture in every operational
activity.
4. Meningkatkan pertanggungjawaban kepada pemangku 4. Increase accountability to stakeholders.
kepentingan.
5. Mencegah terjadinya penyimpangan dalam pengelolaan 5. Prevent the occurrence of irregularities in the
Bank Muamalat. management of Bank Muamalat Indonesia.
6. Mempersiapkan landasan yang kuat bagi pertumbuhan 6. Prepare a strong foundation for the sustainable growth
berkelanjutan Bank Muamalat. of Bank Muamalat Indonesia.
Upaya tersebut telah memberikan hasil yang baik, antara These efforts have generated good results, as demonstrated
lain ditunjukkan melalui beberapa penghargaan di bidang through several awards in the field of GCG that have been
GCG yang diterima Bank pada tahun 2021. Penjelasan terkait received by the Bank in 2021. The description regarding the
award dibahas secara rinci dalam bab “Profil Perusahaan” award is discussed in detail in the “Company Profile” chapter
dalam Laporan Tahunan ini. of this Annual Report.

2021 Annual Report
Peningkatan Kualitas Good Corporate

Governance
Quality Improvement of Good Corporate Governance
Sebagai upaya peningkatan kualitas implementasi GCG As an effort to continuously improve the quality of GCG
secara berkesinambungan, pada tahun 2021 Bank Muamalat implementation, Bank Muamalat will implemented a variety
menerapkan berbagai inisiatif, di antaranya: of initiatives in 2021, including:
1. Mengevaluasi serta memperbarui kebijakan dan 1. Evaluate and update policies and procedures on a
prosedur secara berkala dalam rangka menjaga regular basis in order to maintain the effectiveness and
efektivitas dan kesesuaian kebijakan serta prosedur conformity of existing policies and procedures with
yang dimiliki dengan mengacu pada ketentuan dan reference to the applicable laws and regulations.
perundang-undangan yang berlaku.
2. Melakukan upaya-upaya untuk memperbaiki kinerja 2. Conduct efforts to improve the Bank’s performance by
Bank dengan memperhatikan aspek kehati-hatian dan taking into account the prudential and GCG aspects,
GCG yang terus dilakukan oleh Manajemen Bank secara which are continuously carried out by the Bank’s
berkesinambungan. Management.
3. Menyempurnakan struktur organisasi yang sesuai 3. Improving the organizational structure in accordance
dengan bisnis Bank. with the Bank’s business.
4. Melakukan pelatihan dan sertifikasi kepada pejabat dan 4. Conduct training and certification for officials and
pegawai secara berkala. employees on a regular basis.
5. Membangun budaya kepatuhan (compliance culture), 5. Building a compliance culture, risk culture, and anti-
budaya risiko dan budaya anti-fraud di lingkungan Bank. fraud culture within the Bank.
6. Melakukan sosialisasi kode etik Bank dan corporate 6. Disseminating the Bank’s code of conduct and corporate
culture. culture.
7. Mewajibkan setiap karyawan Bank Muamalat untuk 7. Requiring every employee of Bank Muamalat to
membuat persetujuan secara elektronik surat periodically sign the electronic approval of compliance
pernyataan kepatuhan, pelaksanaan GCG dan deklarasi statements, GCG implementation and anti-fraud
anti-fraud secara berkala. declarations.
8. Memonitor penerbitan produk dan aktivitas Bank oleh 8. Monitor the issuance of the Bank’s products and activities
Dewan Pengawas Syariah (DPS) dan Compliance Syariah conducted by the Sharia Supervisory Board (DPS) and
agar tetap sesuai dengan aspek syariah termasuk Sharia Compliance in order to remain in accordance with
melakukan uji petik dalam memastikan penerapan sharia aspects including conducting a sampling test in
kepatuhan syariah di unit bisnis Bank. ensuring the implementation of sharia compliance in the
Bank’s business units.
STANDAR KUALITAS PENERAPAN GOOD QUALITY STANDARD OF GOOD

CORPORATE GOVERNANCE CORPORATE GOVERNANCE
IMPLEMENTATION
Penerapan GCG di BMI mencakup seluruh aktivitas kerja The implementation of GCG at BMI includes all work activities
Dewan Komisaris, Direksi, dan seluruh karyawan Bank, yang of the Board of Commissioners, Board of Directors, and all
berpedoman pada Peraturan Peraturan Bank Indonesia Bank employees, which refers to Bank Indonesia Regulations
tentang Pelaksanaan Good Corporate Governance bagi Bank on Implementation of Good Corporate Governance for
Umum Syariah dan Unit Usaha Syariah dan Peraturan Islamic Sharia Banks and Sharia Business Units and the
Otoritas Jasa Keuangan tentang Penerapan Pedoman Tata Financial Services Authority Regulations on the Guidelines
Kelola Perusahaan Terbuka. Selain itu, Bank Muamalat juga of Governance Implementation for Public Companies. In
mengadopsi praktik terbaik di industri demi meningkatkan addition, Bank Muamalat also adopts industry best practices
kualitas penerapan GCG. to improve the quality of GCG implementation.

Dalam penerapan GCG, peran Dewan Komisaris dijalankan In the implementation of GCG, the role of the Board of
sebagai fungsi pengawasan untuk memastikan pengelolaan Commissioners is carried out as a supervisory function to
Bank dilaksanakan oleh Direksi sesuai peraturan ensure that the management of the Bank is carried out by
perundangan yang berlaku, termasuk dalam memberikan the Board of Directors in accordance with applicable laws
nasihat/pendapat atas tindakan/kegiatan strategis yang and regulations, including in providing advice/opinions
akan dan telah dilaksanakan oleh Direksi. on strategic actions/activities that will be and have been
implemented by the Board of Directors.
Sementara, Direksi memiliki peran untuk melaksanakan Moreover, the Board of Directors has the role to carry out
fungsi kepengurusannya secara amanah dan profesional its management functions in a trustworthy and professional
serta menghindari terjadinya segala potensi benturan manner as well as avoiding any potential conflicts of interest.
kepentingan. Demikian juga dengan organ-organ GCG Similarly with other GCG organs that synergize with each
lainnya yang saling bersinergi untuk menciptakan seluruh other to make all operational activities of the Bank operate
kegiatan operasional Bank berjalan sesuai dengan peraturan in accordance with the applicable laws and regulations.
perundang-undangan yang berlaku.
Penilaian Penerapan Good Corporate

Governance
Assessment of Good Corporate Governance Implementation
Bank Muamalat melakukan penilaian penerapan GCG Bank Muamalat periodically conducts the assessment
secara berkala untuk meningkatkan kualitas penerapan GCG on GCG implementation to improve the quality of
yang mengacu pada Peraturan Bank Indonesia No. 11/33/ GCG implementation, which refers to Bank Indonesia
PBI/2009 tanggal 7 Desember 2009 tentang Pelaksanaan Regulation No. 11/33/PBI/2009 dated 7 December 2009
Good Corporate Governance bagi Bank Umum Syariah on Implementation of Good Corporate Governance for
dan Unit Usaha Syariah serta Surat Edaran Otoritas Jasa Sharia Commercial Banks and Sharia Business Units and
Keuangan No. 10/SEOJK.03/2014 tentang Penilaian Tingkat Circular Letter of the Financial Services Authority No. 10/
Kesehatan Bank Umum Syariah dan Unit Usaha Syariah. SEOJK.03/2014 on Risk-Based Bank Rating of Sharia
Commercial Banks and Sharia Business Units.
PROSEDUR PENILAIAN ASSESSMENT PROCEDURE

Penilaian penerapan GCG Bank Muamalat dilaksanakan Assessment of Bank Muamalat’s GCG implementation
secara mandiri atau self-assessment setiap semester, dengan is carried out independently or self-assessment every
tahapan sebagai berikut: semester, with the following stages:
1. Persiapan materi penilaian yang dilakukan dengan 1. Preparation of material for the assessment carried out by
mengacu kepada format kertas kerja atau kuisoner yang referring to the working paper format or questionnaire
ditetapkan oleh OJK. set by the FSA.
2. Pendistribusian kertas kerja/kuisoner self-assessment 2. Distributing GCG working papers/self-assessment
GCG kepada organ perusahaan dan fungsi terkait. questionnaires to the related Company organization and
functions.
3. Berdasarkan feedback yang diterima dari organ 3. Based on the feedback received from the related
perusahaan dan fungsi terkait, Satuan Kerja Kepatuhan Company organs and functions, the Bank’s Compliance
Bank melakukan review dan evaluasi atas pengisian kertas Unit reviews and evaluates the filling out of working
kerja/kuisoner. Dalam proses tersebut, dimungkinkan papers/ questionnaires. In this process, it is possible to
untuk meminta penjelasan atau klarifikasi dari unit ask for an explanation or clarification from the related
terkait atas hasil pengisian kuisoner yang telah disusun. unit on the results of filling out the questionnaire that
has been made.
4. Satuan Kerja Kepatuhan membuat analisis dari hasil 4. The Compliance Unit analyzes the results of filling out
pengisian kuisoner dan menuangkannya dalam Laporan the questionnaire and puts it in a GCG Self-Assessment
Self-Assessment GCG. Report.

2021 Annual Report
5. Meminta review dan persetujuan kepada jajaran 5. Requesting review and approval from the management
manajemen atas Laporan Self-Assessment GCG yang telah on the GCG self-assessment report that has been
disusun. prepared.
6. Mengirimkan hasil Laporan Self-Assessment GCG yang 6. Send the results of the GCG self-assessment report that
telah disetujui manajemen Perseroan kepada OJK sesuai has been approved by the management of the Company
dengan batas waktu yang berlaku. to the FSA under the applicable time limit.
7. Menginformasikan kepada Dewan Komisaris Bank atas 7. Inform the Board of Commissioners of the Bank on
hasil pelaksanaan penilaian self-assessment GCG, antara the results of the implementation of the GCG self-
lain melalui rapat Komite Tata kelola Perusahaan. assessment, one of which is through the Corporate
Governance Committee meeting.
KRITERIA YANG DIGUNAKAN CRITERIA USED

Bank Muamalat menggunakan 11 (sebelas) kriteria yang Bank Muamalat uses 11 (eleven) criteria that refer to Bank
mengacu pada aturan Bank Indonesia, yaitu: Indonesia regulations, namely:
1. Pelaksanaan tugas dan tanggung jawab Dewan 1. Implementation of duties and responsibilities of the
Komisaris. Board of Commissioners.
2. Pelaksanaan tugas dan tanggung jawab Direksi. 2. Implementation of duties and responsibilities of the
Board of Directors.
3. Kelengkapan dan pelaksanaan tugas Komite. 3. Completeness and implementation of the Committee’s
duties.
4. Pelaksanaan tugas dan tanggung jawab Dewan 4. Implementation of duties and responsibilities of the
Pengawas Syariah. Sharia Supervisory Board.
5. Pelaksanaan prinsip syariah dalam kegiatan 5. Implementation of sharia principles in the activities of
penghimpunan dana dan penyaluran dana serta funding and financing as well as services.
pelayanan jasa.
6. Penanganan benturan kepentingan. 6. Handling of conflict of interests.
7. Penerapan fungsi kepatuhan bank. 7. Implementation of the bank’s compliance function.
8. Penerapan fungsi audit internal. 8. Implementation of internal audit function.
9. Penerapan fungsi audit eksternal. 9. Implementation of external audit function.
10. Batas Maksimum Penyaluran Dana (BMPD). 10. Legal Lending Limit.
11. Transparansi kondisi keuangan dan non keuangan, 11. Transparency of financial and non-financial conditions,
laporan pelaksanaan Good Corporate Governance dan report of Good Corporate Governance implementation
pelaporan internal. and internal reporting.
PIHAK YANG MELAKUKAN PENILAIAN PARTY CONDUCTING THE ASSESSMENT

Pihak yang melakukan penilaian adalah internal Bank The party conducting the assessment is the internal Bank
Muamalat karena metode yang digunakan dalam penilaian Muamalat Indonesia given that this assessment uses the
ialah metode self-assessment. Adapun pelaksanaannya self-assessment method. The implementation is carried out
dilakukan oleh Satuan Kerja Kepatuhan (SKK). by the Compliance Work Unit (SKK).
HASIL SELF-ASSESSMENT GOOD GOOD CORPORATE GOVERNANCE SELF-

CORPORATE GOVERNANCE ASSESSMENT RESULTS
Pada tahun 2021, Bank Muamalat Indonesia melakukan In 2021, Bank Muamalat Indonesia conducted an assessment
penilaian sendiri (self-assessment) pelaksanaan GCG secara (self-assessment) of GCG implementation individually
individual dan konsolidasi dengan hasil peringkat 2 (dua) and consolidated with the results of rank 2 (two) that
yang mencerminkan manajemen Bank telah melakukan reflect the Bank’s management has implemented Good
penerapan Good Corporate Governance yang secara umum Corporate Governance well in general. This is reflected in
baik. Hal ini tercermin dari penerapan atas prinsip-prinsip the adequate application of Good Corporate Governance. If
Good Corporate Governance yang memadai. Apabila terdapat there are weaknesses in the application of Good Corporate
kelemahan dalam penerapan prinsip Good Corporate Governance principles, they are generally not very significant
Governance maka secara umum kelemahan tersebut kurang and can be resolved by normal actions by the management
signifikan dan dapat diselesaikan dengan tindakan normal of the Bank.
oleh manajemen Bank.

Analisis Analysis
Dengan mengacu kepada kertas kerja self-assessment tahun Referring to the 2021 self-assessment paper in a
2021 secara komprehensif dan terstruktur yang mencakup comprehensive and structured manner that includes the
governance structure, governance process, dan governance governance structure, governance process, and governance
outcome, dapat diidentifikasi mengenai permasalahan outcome, the following issues can be identified in the form of
berupa kelemahan dan penyebabnya (root caused) root causes and weaknesses in the implementation of Good
dan kekuatan pelaksanaan Good Coprorate Governance Corporate Governance:
sebagai berikut:
Governance Structure Governance Structure

Bank Muamalat telah memiliki struktur organisasi Dewan Bank Muamalat already has established an adequate
Komisaris, Direksi, Dewan Pengawas Syariah (DPS), Satuan organizational structure of the Board of Commissioners,
Kerja Audit Intern, Satuan Kerja Manajemen Risiko dan Board of Directors, Sharia Supervisory Board (DPS),
Satuan Kerja Kepatuhan yang memadai. Jumlah dan Internal Audit Unit, Risk Management Unit, and Compliance
komposisi anggota Dewan Komisaris, Direksi dan DPS Unit. The number and composition of members of the
telah sesuai dengan ketentuan. Pengangkatan anggota Board of Commissioners, Board of Directors, and DPS
Dewan Komisaris, Direksi dan Dewan Pengawas Syariah are in accordance with the provisions. The appointment
telah melalui tahapan assessment oleh Komite Nominasi of members of the Board of Commissioners, Board of
dan Remunerasi dengan memperhatikan faktor integritas, Directors and Sharia Supervisory Board has gone through
kompetensi, dan reputasi keuangan sehingga anggota Dewan the assessment stage by the Nomination and Remuneration
Komisaris, Direksi dan Dewan Pengawas Syariah memiliki Committee by taking into account the integrity, competence,
kompetensi yang memadai dan relevan dengan jabatannya and financial reputation factors, thus members of the
untuk menjalankan tugas dan tanggung jawabnya. Seluruh Board of Commissioners, Board of Directors, and Sharia
anggota Direksi dan Komisaris Independen telah dinyatakan Supervisory Board have adequate and relevant competence
lulus Penilaian Kemampuan dan Kepatutan (PKK) oleh OJK. to their positions to carry out their duties and responsibilities.
All members of the Board of Directors and Independent
Commissioners have passed the Fit and Proper Test (FPT) by
FSA.
Dalam melaksanakan tugas dan tanggung jawabnya, Dewan In implementing their duties and responsibilities, the
Komisaris, Direksi dan Dewan Pengawas Syariah telah Board of Commissioners, Board of Directors and, Sharia
memiliki pedoman kerja yang mengatur pelaksanaan tugas Supervisory Board have set work guidelines that regulate
dan tanggung jawab dari masing-masing organ. Dalam the implementation of duties and responsibilities of each
rangka membantu pelaksanaan tugas pengawasan, Dewan organ. In order to assist the implementation of supervisory
Komisaris telah membentuk Komite Audit, Komite Pemantau duties, the Board of Commissioners has established the
Risiko, Komite Nominasi dan Remunerasi serta Komite Tata Audit Committee, Risk Monitoring Committee, Nomination
Kelola Perusahaan. Keanggotaan komite tingkat Dewan and Remuneration Committee and Corporate Governance
Komisaris telah sesuai dengan regulasi dan kebutuhan Committee. The membership of the Board of Commissioners
Bank. Direksi juga telah membentuk 4 (empat) komite yaitu level committees is in accordance with the regulations and
Risk Management Committee, IT Steering Committee, Asset needs of the Bank. The Board of Directors has also established 4
Liability Committee (ALCO) dan Human Capital Committee (four) committees, namely the Risk Management Committee,
guna mendukung efektivitas pelaksanaan tugas dan IT Steering Committee, Asset Liability Committee (ALCO), and
tanggung jawab Direksi. the Human Capital Committee to support the effectiveness
of the implementation of duties and responsibilities of the
Board of Directors.
Satuan Kerja Audit Intern, Satuan Kerja Manajemen Risiko The Internal Audit Work Unit, Risk Management Unit and
dan Satuan Kerja Kepatuhan Bank Muamalat dibentuk Compliance Unit of Bank Muamalat were established
secara independen terhadap satuan kerja operasional independently of the Bank’s operational work units. The
Bank. Infrastruktur tata kelola Bank berupa kebijakan dan Bank’s governance infrastructure in the form of Bank
prosedur Bank, tugas pokok dan fungsi masing-masing policies and procedures, the main tasks and functions of
struktur organisasi telah memadai dan mendukung kegiatan each organizational structure is adequate and supports the
usaha Bank serta telah dikinikan secara berkala. Dalam Bank’s business activities and has been updated regularly. In
rangka meningkatkan kompetensi Sumber Daya Manusia, order to improve the competence of Human Resources, the
Bank juga telah menyelenggarakan training/workshop, Bank has also organized training/ workshops, socialization
sosialisasi dan sertifikasi. and certification.

2021 Annual Report
Governance Process Governance Process

Dewan Komisaris telah melakukan upaya-upaya dalam The Board of Commissioners has made efforts to improve
rangka meningkatkan pelaksanaan aspek tata kelola the implementation of the corporate governance aspects,
perusahaan antara lain dengan melakukan pengawasan including by supervising the Bank’s operational activities,
terhadap kegiatan operasional Bank, memenuhi fulfilling the implementation of the Board of Commissioners
penyelenggaraan rapat-rapat Dewan Komisaris dan meetings and renewing the membership of the Board of
memperbarui keanggotaan komite level Dewan Komisaris Commissioners level committees in accordance with the
sesuai ketentuan. Komite-Komite yang dibentuk oleh provisions. The committees established by the Board of
Dewan Komisaris telah menyampaikan rekomendasi proses Commissioners have submitted recommendations for
perbaikan kepada Dewan Komisaris. Dewan Komisaris dan improvement processes to the Board of Commissioners. The
Komite level Dewan Komisaris telah menyelenggarakan Board of Commissioners and the Board of Commissioners
rapat sesuai dengan ketentuan. Dewan Komisaris telah level Committees have held meetings in accordance with the
menyelenggarakan rapat bersama Direksi guna melakukan provisions. The Board of Commissioners has held a meeting
pengawasan terhadap pelaksanaan tugas dan tanggung with the Board of Directors to supervise the implementation
jawab Direksi dan pemberian nasihat oleh Dewan Komisaris of duties and responsibilities of the Board of Directors
kepada Direksi. Dewan Komisaris telah menyetujui Rencana and provide advice to the Board of Directors. The Board
Bisnis Bank (RBB) yang telah disusun dengan memperhatikan of Commissioners has approved the Bank’s Business Plan
kondisi faktor eksternal dan internal Bank. Dewan Komisaris (BBP), which has been prepared by taking into account the
juga telah melakukan pengawasan terhadap realisasi RBB condition of the Bank’s external and internal factors. The
dan menyampaikan laporan hasil pengawasan kepada OJK Board of Commissioners has also supervised the realization
secara periodik. of the BBP and periodically submitted reports on the results
of supervision to the FSA.
Dalam rangka melaksanakan tugas dan tanggung jawabnya In order to conduct its duties and responsibilities to ensure
memastikan pemenuhan aspek syariah, Dewan Pengawas compliance with sharia aspects, the Sharia Supervisory
Syariah telah melakukan uji petik di unit bisnis/cabang. Board has conducted a sampling test in several business
Pelaksanaan uji petik dibantu oleh 3 (tiga) orang Liasion units/ branches. The implementation of the sampling
Officer yang berada di bawah supervisi unit kerja Compliance. test is assisted by 3 (three) Liasion Officers who are under
Dewan Pengawas Syariah telah menyelenggarakan rapat the supervision of the Compliance work unit. The Sharia
rutin bulanan guna membahas dan memberikan opini Supervisory Board has held regular monthly meetings
terhadap usulan produk, aktivitas dan program sesuai to discuss and provide opinions on proposed products,
dengan prinsip syariah. Dewan Pengawas Syariah telah activities, and programs in accordance with sharia principles.
melakukan pengawasan terhadap kegiatan usaha Bank dan The Sharia Supervisory Board has supervised the Bank’s
menyampaikan laporan hasil pengawasannya kepada OJK business activities and submitted reports on the results of
secara periodik. its supervision to the FSA periodically.
Direksi bertanggung jawab penuh terhadap pelaksanaan The Board of Directors is fully responsible for the
kepengurusan Bank berdasarkan prinsip kehati-hatian, implementation of the Bank’s management based on the
GCG dan syariah. Direksi telah menyusun Rencana Bisnis principles of prudence, GCG, and sharia. The Board of
Bank (RBB) dan telah mendapatkan persetujuan Dewan Directors has prepared a Bank Business Plan (BBP) and has
Komisaris. Proses pengambilan keputusan Direksi antara obtained the approval of the Board of Commissioners. The
lain dilakukan melalui rapat Direksi yang diselenggarakan decision-making process for the Board of Directors is carried
secara mingguan. Dalam rangka merealisasikan target bisnis out, among others, through the Board of Directors meetings,
dalam RBB dan memperbaiki kinerja Bank, Direksi telah which are held weekly. In order to realize the business
melakukan upaya-upaya antara lain sebagai berikut: targets in the BBP and improve the Bank’s performance, the
Board of Directors has made the following efforts:
a. Melakukan perbaikan-perbaikan atas tata kelola a. Making improvements to the governance of financing,
pembiayaan antara lain dengan memperbarui Surat among others, by updating the Circular of the Board of
Edaran (SE) Direksi tentang Komite Pembiayaan, Directors (SE) on the Financing Committee, enhancing
menyempurnakan dan menyusun ketentuan internal, and compiling internal regulations, improving the quality
meningkatkan kualitas Sumber Daya Manusia terkait of Human Resources related to financing risk, and
risiko pembiayaan, dan memantau pengelolaan monitored the management of credit risk.
risiko kredit.

b. Melakukan inisitaif perbaikan atas tata kelola operasional b. Carried out initiatives to improve the Bank’s operational
Bank melalui pengelolaan risiko operasional bank, governance through the management of bank
penyempurnaan dan penyusunan ketentuan internal operational risks, enhancement and preparation of
terkait operasional dan pemantauan pengelolaan risiko internal regulations related to operations, and monitored
operasional. the management of operational risk.
c. Mengembangkan budaya Manajemen Risiko dan c. Developed a Risk Management and Compliance culture
Kepatuhan pada seluruh jenjang organisasi, antara lain at all levels of the organization, including through e-mail
melalui media e-mail blast, podcast, video dan pelatihan. blasts, podcasts, videos, and training.
d. Melakukan beberapa inisiatif proyek, baik yang telah d. Carry out several project initiatives, both completed and
selesai maupun yang masih progress, antara lain MDIN– in progress, including MDIN–Smart Account Opening,
Smart Account Opening, MDIN-QRIS Issuer (QR Payment), MDIN-QRIS Issuer (QR Payment), MDIN–QRIS Acquiring
MDIN–QRIS Acquiring (Merchant), MDIN–Pelunasan (Merchant), MDIN–Hajj Payment, Visa 3DS Debit Online
Haji, Visa 3DS Debit Online E-Commerce, Paywave VISA, E-Commerce, Paywave VISA, Mudharabah Muqayyadah
Mudharabah Muqayyadah (Mumu), Project Al-Basith (Mumu), Project Al-Basith (ANTASENA-SLIK), Smart AML
(ANTASENA-SLIK), Smart AML (goAML), SISMONTAVAR, (goAML), SISMONTAVAR, Asset Auction Website, and
Website Asset Lelang, dan SWIFT Upgrade SR2021. SR2021 SWIFT Upgrade.
e. Training/workshop & sosialisasi, dan sertifikasi profesi, e. Training/workshop & socialization, and professional
antara lain terkait dengan sertifikasi manajemen certification, among others related to risk management
risiko beserta resfreshment, sertifikasi treasuri beserta certification and refreshment, treasury certification
resfreshment, IT Risk Based Audit, Mastering Cash and refreshment, IT Risk Based Audit, Mastering
Management Product and Consultative Selling Technique, Cash Management Product and Consultative Selling
refreshment training Wholesale Banking, Mortgage Technique, Wholesale Banking refreshment training,
Academy, Sharia Banking for Executive, dan Sertifikasi Mortgage Academy, Sharia Banking for Executive, and
Wakil Perantara Pedagang Efek (WPPE). Broker-Dealer Representative Certification (WPPE).
f. Melaksanakan penerapan strategi pencegahan anti-fraud f. Implemented periodic anti-fraud prevention strategies
secara periodik melalui program Anti-Fraud Awareness, through the Anti-Fraud Awareness program, vulnerability
identifikasi kerawanan, dan know your employee. identification, and know your employee.
Bank Muamalat juga telah melakukan evaluasi dan Bank Muamalat has also evaluated and updated internal
pengkinian terhadap ketentuan internal secara berkala regulations on a regular basis in order to maintain the
dalam rangka menjaga efektivitas, kecukupan dan kesesuaian effectiveness, adequacy and conformity of internal
ketentuan internal dengan peraturan perundang-undangan provisions with applicable laws and regulations and sharia
yang berlaku serta prinsip syariah. Pengajuan produk dan principles. Submission of new products and activities has
aktivitas baru telah dikaji/dievaluasi oleh fungsi-fungsi been reviewed/ evaluated by related functions, namely
terkait yaitu Manajemen Risiko, Kepatuhan dan Legal serta Risk Management, Compliance and Legal, and has received
telah mendapatkan opini/persetujuan dari Dewan Pengawas opinion/ approval from the Sharia Supervisory Board on the
Syariah atas kesesuaian produk dan aktivitas baru dengan conformity of new products and activities with the Fatwa
Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia of the National Sharia Council-Indonesian Ulama Council
(DSN-MUI). (DSN- MUI).
Governance Outcome Governance Outcome

Rencana Bisnis Bank telah disusun dan dikaji secara The Bank’s Business Plan has been compiled and reviewed
komprehensif dengan memperhatikan kondisi industri in a comprehensive manner, taking into account the latest
terkini, peluang bisnis, kekuatan yang dimiliki Bank serta industry conditions, business opportunities, strengths of
kelemahan dan ancaman yang akan dihadapi. Direksi the Bank as well as weaknesses and threats to be faced. The
Bank telah menyampaikan Rencana Bisnis Bank kepada Bank’s Board of Directors has submitted the Bank’s Business
pemegang saham melalui Rapat Umum Pemegang Saham Plan to shareholders through the Annual General Meeting of
Tahunan (RUPST). Selain itu, Rencana Bisnis Bank juga telah Shareholders (AGMS). In addition, the Bank’s Business Plan
dikomunikasikan kepada seluruh pejabat di internal Bank. has also been communicated to all internal officials of the
Setiap pengambilan keputusan Dewan Komisaris, Dewan Bank. Every decision making by the Board of Commissioners,
Pengawas Syariah dan Direksi Bank Muamalat dilakukan Sharia Supervisory Board, and Board of Directors of Bank
melalui rapat yang dituangkan dalam risalah rapat dan telah Muamalat is carried out through a meeting as outlined in
ditindaklanjuti sebagai upaya perbaikan. the minutes of the meeting and has been followed up as an
effort to improve.

2021 Annual Report
Produk dan aktivitas yang diterbitkan oleh Bank Muamalat The products and activities issued by Bank Muamalat are
telah sesuai dengan Fatwa yang diterbitkan oleh Dewan in accordance with the Fatwa issued by the National Sharia
Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). Board-Indonesian Ulema Council (DSN-MUI). Every product
Setiap produk dan aktivitas yang diterbitkan oleh Bank telah and activity issued by the Bank has received a sharia opinion
mendapat opini syariah dari Dewan Pengawas Syariah. from the Sharia Supervisory Board. The Standard Operating
Prosedur pelaksanaan (Standard Operating Procedures/ Procedures (SOP) in collecting funds, channleing funds, and
SOP) dalam penghimpunan dana, penyaluran dana, dan providing Bank services are also in accordance with sharia
pelayanan jasa Bank juga telah sesuai dengan regulasi dan regulations and principles.
prinsip syariah.
Secara umum rasio keuangan Bank termasuk permodalan In general, the Bank’s financial ratios, including capital, have
membaik dan rasio prudensial Bank telah sesuai dengan improved and the Bank’s prudential ratios have complied
ketentuan. Hal ini seiring dengan proses penyelesaian with regulations. This is in line with the financing settlement
pembiayaan melalui rangkaian aksi korporasi dan asset sales. process through a series of corporate actions and sales
Adapun untuk pembiayaan yang masih tersisa akan dikelola of assets. The remaining financing will be managed and
dan dipantau secara proper. Bank juga tidak melakukan monitored properly. The Bank also does not violate and/
pelanggaran dan/atau pelampauan Batas Maksimum or exceed the Legal Lending Limit (LLL), including after the
Penyaluran Dana (BMPD) termasuk setelah ketentuan baru new LLL provisions took effect. The Bank has made efforts to
BMPD diimplementasikan. Bank telah melakukan upaya improve the quality of data reporting through the Al-Basith
perbaikan kualitas data pelaporan melalui Project Al-Basith Project, enabling the quality of data reporting to improve.
sehingga diharapkan kualitas data pelaporan semakin
membaik.
Beberapa faktor dalam pelaksanaan GCG yang masih Several factors in the implementation of GCG that still need
perlu diperbaiki, oleh PT Bank Muamalat Indonesia Tbk, to be improved by PT Bank Muamalat Indonesia Tbk include:
antara lain:
a. Seorang anggota Dewan Pengawas Perseroan yang a. One member of the Company’s Supervisory Board who
telah diangkat melalui Rapat Umum Pemegang Saham has been appointed through the Extraordinary General
Luar Biasa (RUPSLB) tanggal 30 Agustus 2021 masih Meeting of Shareholders (EGMS) on 30 August 2021 is
dalam proses memenuhi persyaratan dalam rangka still in the process of fulfilling the requirements in the
permohonan persetujuan kepada OJK. context of approval request to the FSA.
b. Kualitas data pelaporan perlu terus dipantau dan dijaga b. The quality of data reporting needs to be continuously
konsistensinya. monitored and maintained for consistency.

Penerapan atas Pedoman Tata Kelola

Perusahaan Terbuka
Implementation of Corporate Governance Guidelines for Public Companies
Bank Muamalat menggunakan dasar Pedoman Tata Kelola Bank Muamalat uses the basis of the Corporate Governance
Perusahaan seperti tertuang dalam Surat Edaran Otoritas Guidelines as stated in the Circular Letter of the Financial
Jasa Keuangan No. 32/SEOJK.04/2015 tentang Pedoman Services Authority No. 32/SEOJK.04/2015 on Governance
Tata Kelola Perusahaan Terbuka sebagai standar penerapan Guidelines for Public Companies as a standard for GCG
GCG, yaitu meliputi 5 (lima) aspek yang diturunkan ke dalam implementation, which includes 5 (five) aspects, which are
8 (delapan) prinsip dan 25 rekomendasi. Aspek-aspek dan derived into 8 (eight) principles and 25 recommendations.
prinsip-prinsip tersebut, yaitu: These aspects and principles are, namely:
Prinsip Rekomendasi Penjelasan Rekomendasi OJK Penerapan di Bank Muamalat

Principle Recommendations Explanation of FSA Recommendations Implementation at Bank Muamalat
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Aspect 1: Relationship of Public Companies with Shareholders in Guaranteeting the Rights of Shareholders
Prinsip 1: 1.1 Perusahaan Terbuka Setiap saham dengan hak suara yang Telah Diterapkan
Meningkatkan memiliki cara atau dikeluarkan mempunyai satu hak suara Bank telah memiliki ketentuan tata
Nilai prosedur teknis (one share one vote). Pemegang saham cara pengambilan keputusan melalu
Penyelenggaraan pengumpulan suara dapat menggunakan hak suaranya pada pengumpulan suara (voting) dalam RUPS,
Rapat Umum (voting) baik secara saat pengambilan keputusan, terutama baik secara terbuka maupun tertutup
Pemegang terbuka maupun dalam pengambilan keputusan dengan yang mengedepankan independensi dan
Saham (RUPS). tertutup yang cara pengumpulan suara (voting). Namun kepentingan pemegang saham. Ketentuan
mengedepankan demikian, mekanisme pengambilan tersebut diatur dalam Anggaran Dasar Bank
independensi. keputusan dengan cara pengumpulan dan Prosedur Pelaksanaan RUPS sebagai
suara (voting) baik secara terbuka maupun berikut:
tertutup belum diatur secara rinci. 1. Keputusan RUPS diambil berdasarkan
musyawarah untuk mufakat.
Perusahaan Terbuka direkomendasikan 2. Dalam hal keputusan berdasarkan
mempunyai prosedur pengumpulan musyawarah untuk mufakat tidak
suara dalam pengambilan keputusan atas tercapai, keputusan RUPS adalah sah
suatu mata acara RUPS. Adapun prosedur jika disetujui lebih dari 1/2 (satu per dua)
pengumpulan suara (voting) tersebut harus bagian dari jumlah seluruh saham dengan
menjaga independensi ataupun kebebasan hak suara yang hadir dalam RUPS, kecuali
pemegang saham. Sebagai contoh, dalam peraturan perundang-undangan dan/
pengumpulan suara (voting) secara terbuka atau Anggaran Dasar menentukan bahwa
dilakukan dengan cara mengangkat tangan keputusan adalah sah jika disetujui oleh
sesuai dengan instruksi pilihan yang jumlah suara setuju yang lebih besar.
ditawarkan oleh pimpinan RUPS. Sedangkan, 3. Pemungutan suara mengenai diri orang
dalam pengumpulan suara (voting) secara dan pemungutan suara mengenai hal-hal
tertutup dilakukan pada keputusan yang lain diatur sebagai berikut:
membutuhkan kerahasiaan ataupun atas a. diri orang dilakukan secara tertulis
permintaan pemegang saham, dengan cara dengan suara tertutup yang tidak
menggunakan kartu suara ataupun dengan ditandatangani;
penggunaan electronic voting. b. mengenai hal-hal lain dilakukan secara
lisan, kecuali apabila ketua RUPS
menentukan lain tanpa ada keberatan
dari 1 (satu) atau lebih pemegang
saham yang hadir dalam RUPS.

2021 Annual Report

Principle 1: 1.1 The Public Each share has one vote. Shareholders Has Been Implemented
Increasing the Company has a may use their vote in decision making, The Bank has established decision making
Value in the technical method especially by voting during the process of procedures through open or closed
Implementation or procedure of decision-making. However, the mechanism voting in the GMS that emphasizes on the
of General voting in public or of decision-making by voting has not been independence and interests of shareholders.
Meeting of in private, which arranged in a detailed manner whether it is These provisions are stipulated in the
Shareholders emphasizes on in public or in private. Bank’s Articles of Association and the GMS’s
independence. Implementation Procedures as follows:
The Public Company is recommended to 1. GMS decisions are taken based on
have voting procedures in making decisions deliberation for consensus
on a GMS agenda. The voting procedure must 2. In the event that a decision based on
maintain the independence of shareholders. deliberation for consensus is not reached,
For example, in open voting, it is done by the resolution of the GMS is valid if it is
raising hands in accordance with the choice approved by more than 1/2 (one half)
instructions offered by the chairman of the of the total shares with voting rights
GMS. Meanwhile, closed voting is carried out present at the GMS, unless the laws and
on decisions that require confidentiality or regulations and/or Articles of Association
at the request of shareholders, by using a determine that a decision is valid if
voting card or electronic voting. it is approved by a larger number of
affirmative votes.
3. Voting regarding individuals and voting on
other matters are regulated as follows:
a. silent, self-made in writing and
unsigned;
b. regarding the other things done orally,
unless the Chairman of the GMS
decides otherwise without objection
from 1 (one) or more shareholders
present at the GMS.
1.2 Seluruh anggota anggota Dewan Komisaris Perusahaan RUPST dan RUPSLB pada 29 April 2021
Direksi dan anggota Terbuka bertujuan agar setiap anggota dihadiri oleh 5 (lima) anggota Direksi dan
Dewan Komisaris Direksi dan anggota Dewan Komisaris seluruh anggota Dewan Komisaris yang
Perusahaan Terbuka dapat memperhatikan, menjelaskan dan telah efektif menjabat. 1 (satu) orang
hadir dalam RUPS menjawab secara langsung permasalahan anggota Direksi berhalangan hadir.
Tahunan. yang terjadi atau pertanyaan yang diajukan
oleh pemegang saham terkait mata acara The Annual GMS and Extraordinary GMS
1.2 All members of the dalam RUPS. held on 29 April 2021 were attended by 5
Board of Directors (five) members of the Board of Directors and
and members The attendance of all members of the Board all members of the Board of Commissioners
of the Board of of Directors and Board of Commissioners who have effectively served. 1 (one) member
Commissioners of of the Public Company is required so that of the Board of Directors was unable to
the Public Company all members of the Board of Directors attend
are present at the and Board of Commissioners are able to
Annual GMS observe, explain, and answer directly the RUPS Luar Biasa yang diselenggarakan
agenda-related issues or queries submitted pada tanggal 30 Agustus 2021 dihadiri
by shareholders related to the agenda in the oleh seluruh anggota Direksi dan seluruh
GMS anggota Dewan Komisaris yang telah efektif
menjabat
The Extraordinary GMS held on 30 August

2021 was attended by all members of the
Board of Directors and all members of
the Board of Commissioners who have
effectively served
1.3 Ringkasan risalah Perusahaan Terbuka wajib membuat Telah Diterapkan
RUPS tersedia ringkasan risalah RUPS dalam bahasa
dalam Situs Web Indonesia dan bahasa asing (minimal dalam Bank memiliki ringkasan risalah RUPS atas
Perusahaan Terbuka bahasa Inggris), serta diumumkan 2 (dua) RUPS yang telah diselenggarakan, baik
paling sedikit selama hari kerja setelah RUPS diselenggarakan dalam Bahasa Indonesia maupun Bahasa
1 (satu) tahun kepada masyarakat, yang salah satunya Inggris dan dapat diakses oleh masyarakat
melalui situs web Perusahaan Terbuka. 2 (dua) hari kerja setelah pelaksanaan RUPS,
Ketersediaan ringkasan risalah RUPS pada salah satunya adalah melalui Situs Web Bank
situs web Perusahaan Terbuka memberikan (www. bankmuamalat.co.id) pada menu
kesempatan bagi pemegang saham yang hubungan investor-RUPS yang tersedia
tidak hadir untuk mendapatkan informasi selama lebih dari 1 (satu) tahun.
penting 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.


1.3 The summary of the The Public Company is required to make a Has been Implemented
minites of the GMS summary of minutes of the GMS in Bahasa
is available on the Indonesia and in a foreign language (at The Bank has a summary of the minutes
Website of the Public least in English), and it must be announced of the GMS that have been held, both
Company for at least 2 (two) working days after the GMS is in Indonesian and English and can be
1 (one) year implemented for the public, one of which is accessed by the public 2 (two) working
through the website of the Public Company. days after the implementation of the GMS,
The availability of the summary of minutes one of which is through the Bank’s Website
of the GMS provides an opportunity for (www.bankmuamalat.co.id) at the investor
shareholders who were not present to obtain relations-GMS menu, which is available for
important information during the GMS more than 1 (one) year.
implementation quickly and easily. To that
end, the provisions regarding the minimum
period of availability of the summary of
the minutes of the GMS on the website
are intended to provide sufficient time for
shareholders to obtain the information
Prinsip 2: 2.1 Perusahaan Adanya komunikasi antara Perusahaan Telah Diterapkan
Meningkatkan Terbuka memiliki Terbuka dengan pemegang saham atau
Kualitas suatu kebijakan investor dimaksudkan agar para pemegang Dalam kebijakan GCG diatur bahwa dalam
Komunikasi komunikasi dengan saham atau investor mendapatkan hubungan dengan Pemegang Saham, Bank
Perusahaan pemegang saham pemahaman lebih jelas atas informasi yang Muamalat Indonesia senantiasa mendorong
Terbuka dengan atau investor. telah dipublikasikan kepada masyarakat, penerapannya berdasarkan ketentuan
Pemegang Saham seperti laporan berkala, keterbukaan sebagai berikut:
atau Investor. informasi, kondisi atau prospek bisnis 1. Melindungi hak-hak Pemegang Saham
dan kinerja, serta Pelaksanaan Tata Kelola sesuai dengan peraturan perundang-
Perusahaan Terbuka. Di samping itu, undangan dan Anggaran Dasar Bank;
pemegang saham atau investor juga dapat 2. Menyelenggarakan Daftar Pemegang
menyampaikan masukan dan opini kepada Saham secara tertib dan teratur sesuai
manajemen Perusahaan Terbuka. Kebijakan dengan peraturan perundang-undangan
komunikasi dengan para pemegang saham dan Anggaran Dasar Bank;
atau investor menunjukkan komitmen 3. Menyediakan informasi mengenai Bank
Perusahaan Terbuka dalam melaksanakan secara tepat waktu, benar dan teratur
komunikasi dengan para pemegang saham bagi seluruh Pemegang Saham, kecuali
atau investor. Dalam kebijakan tersebut hal-hal yang bersifat rahasia; dan
dapat mencakup strategi, program, dan 4. Memberikan penjelasan yang lengkap
waktu pelaksanaan komunikasi, serta dan informasi yang akurat mengenai
panduan yang mendukung pemegang penyelenggaraan RUPS.
saham atau investor untuk berpartisipasi
dalam komunikasi tersebut. Bank Muamalat Indonesia melakukan
komunikasi dengan para pemegang saham
melalui media komunikasi antara lain
melalui Rapat Umum Pemegang Saham
(RUPS), website Bank (www.bankmuamalat.
co.id), e-mail helpdesk: investor.relations@
bankmuamalat.co.id dan melalui surat
menyurat dan/atau fax.
Principle 2: 2.1 The Public Company Communication between the Public Has been Implemented
Improving has a communication Company with shareholders or investors The GCG policy regulates that in terms
the Quality of policy with means is to allow shareholders and of relationship with Shareholders, Bank
Communication shareholders or investors gain a clearer understanding of Muamalat Indonesia always encourages
between the investors the information that has been published to its implementation based on the following
Public Company the public, such as newsletters, disclosure provisions:
and Shareholders of information, business conditions or 1. Protect the rights of Shareholders in
or Investors prospects and performance, as well as the accordance with the legislation and
implementation of corporate governance Articles of Association of the Bank;
of the Public Company. In addition, 2. Maintain the List of Shareholders in
shareholders or investors can also submit an orderly and organized manner in
feedback and opinions to the management accordance with the legislation and the
of the Public Company. Communication Bank’s Articles of Association;
policy with shareholders or investors 3. Provide information regarding the
demonstrates the commitment of the Public Company in a timely manner, and
Company in carrying out communications regularly to all shareholders, except
with shareholders or investors. This policy confidential matters; and
may include strategy, programs, and the 4. Provide a complete explanation and
timing of the communication, as well as accurate information regarding the GMS
guidance that supports shareholders or
investors to participate in the communication Bank Muamalat Indonesia communicates
with its shareholders through the General
Meeting of Shareholders (GMS), the
Bank’s website (www.bankmuamalat.
co.id), helpdesk e-mail investor.relations@
bankmuamalat.co.id and correspondence/
fax

2021 Annual Report

2.2 Perusahaan Terbuka Pengungkapan kebijakan komunikasi Telah Diterapkan
mengungkapkan merupakan bentuk transparansi atas
kebijakan komitmen Perusahaan Terbuka dalam Bank telah menyediakan mekanisme
komunikasi memberikan kesetaraan kepada semua komunikasi antara Pemegang Saham
Perusahaan Terbuka pemegang saham atau investor atas dengan Bank sebagaimana dijelaskan pada
dengan pemegang pelaksanaan komunikasi. Pengungkapan website Bank.
saham atau investor informasi tersebut juga bertujuan untuk
dalam Situs Web. meningkatkan partisipasi dan peran
pemegang saham atau investor dalam
pelaksanaan program komunikasi
Perusahaan Terbuka.
2.2 The Public Company Disclosure of the communication policy Has been Implemented
discloses the is a form of transparency of the Public
communication Company’s commitment to provide The Bank has provided a communication
policy of the Public equality to all shareholders or investors in mechanism between Shareholders and the
Company with the implementation of communications. Bank as described on the Bank’s website.
shareholders or Disclosure of information also aims
investors on its to increase the participation and role
Website of shareholders or investors in the
implementation of the communication
program of the Public Company.
Aspek 2: Fungsi dan Peran Dewan Komisaris

Aspect 2: Function and Roles of the Board of Commissioners
Prinsip 3: 3.1 Penentuan Jumlah anggota Dewan Komisaris dapat Telah Diterapkan
Memperkuat jumlah anggota mempengaruhi efektivitas pelaksanaan
Keanggotaan dan Dewan Komisaris tugas dari Dewan Komisaris. Penentuan Hingga berakhirnya tahun buku 2021,
Komposisi Dewan mempertimbangkan jumlah anggota Dewan Komisaris jumlah anggota Dewan Komisaris adalah 5
Komisaris. kondisi Perusahaan Perusahaan Terbuka wajib mengacu kepada (lima) orang di mana 3 (tiga) orang anggota
Terbuka. ketentuan peraturan perundang-undangan Dewan Komisaris merupakan Komisaris
yang berlaku, yang paling kurang terdiri Independen dan berdomisili di Indonesia.
dari 2 (dua) orang berdasarkan ketentuan Penentuan jumlah anggota Dewan Komisaris
peraturan OJK tentang Direksi dan Dewan tersebut telah memenuhi regulasi dan
Komisaris Emiten atau Perusahaan Publik. mempertimbangkan karakteristik, kapasitas,
Selain itu, perlu juga mempertimbangkan ukuran, dan komposisi terhadap Direksi
kondisi Perusahaan Terbuka yang antara serta pencapaian tujuan dan pemenuhan
lain yang meliputi karakteristik, kapasitas, kebutuhan bisnis Bank.
dan ukuran, serta pencapaian tujuan dan
pemenuhan kebutuhan bisnis yang berbeda
di antara Perusahaan Terbuka. Namun
demikian, jumlah anggota Dewan Komisaris
yang terlalu besar berpotensi mengganggu
efektivitas pelaksanaan fungsi Dewan
Komisaris.
Principle 3: 3.1 Determination of the The number of members of the Board of Has been Implemented
Strengthening number of members Commissioners may affect the effectiveness
the Membership of the Board of of the implementation of duties of the Board Up to the end of the 2021 fiscal year,
and Composition Commissioners of Commissioners. The determination of the number of members of the Board of
of the Board of considering the the number of members of the Board of Commissioners is 5 (five), of which 3 (three)
Commissioners conditions of the Commissioners of a Public Company must members of the Board of Commissioners
Public Company refer to the provisions of the applicable laws are Independent Commissioners and are
and regulations, which consists of at least 2 domiciled in Indonesia. The determination
(two) people based on the provisions of OJK of the number of members of the Board
regulations on the Board of Directors and of Commissioners has complied with
Board of Commissioners of Issuers or Public regulations and taken into account
Companies. In addition, it also needs to take the characteristics, capacity, size, and
into account the condition of the Public composition of the Board of Directors as
Company, which includes the characteristics, well as the achievement of objectives and
capacity, and size, as well as the achievement fulfillment of the Bank’s business needs
of goals and fulfillment of different business
needs among Public Companies. However,
the number of members of the Board of
Commissioners that is too large has the
potential to interfere with the effectiveness
of the implementation of functions of the


3.2 Penentuan Komposisi Dewan Komisaris merupakan Telah Diterapkan
komposisi anggota kombinasi karakteristik baik dari segi
Dewan Komisaris organ Dewan Komisaris maupun anggota Komposisi anggota Dewan Komisaris
memperhatikan Dewan Komisaris secara individu, sesuai memperhatikan keberagaman keahlian,
keberagaman dengan kebutuhan Perusahaan Terbuka. pengetahuan, dan pengalaman yang
keahlian, Karakteristik tersebut dapat tercermin dibutuhkan di mana keberagaman tersebut
pengetahuan, dan dalam penentuan keahlian, pengetahuan, tercermin dari keahlian dan pengalaman
pengalaman yang dan pengalaman yang dibutuhkan dalam yang dimiliki masing-masing anggota Dewan
dibutuhkan. pelaksanaan tugas pengawasan dan Komisaris.
pemberian nasihat oleh Dewan Komisaris
Perusahaan Terbuka. Komposisi yang telah Anggota Dewan Komisaris memiliki keahlian
memperhatikan kebutuhan Perusahaan pada bidang:
Terbuka merupakan suatu hal yang • Pasar modal dan investasi
positif, khususnya terkait pengambilan • Perbankan syariah
keputusan dalam rangka pelaksanaan • Asuransi
fungsi pengawasan yang dilakukan dengan • Industri keuangan
mempertimbangkan berbagai aspek yang • Manajemen strategis
lebih luas. • Keuangan
3.2 Determination of The composition of the Board of Has been Implemented
the membership Commissioners is a combination of
composition of characteristics, both in terms of the organs of The membership composition of the Board
the Board of the Board of Commissioners and individual of Commissioners takes into account
Commissioners takes members of the Board of Commissioners, the diversity of expertise, knowledge,
into account the in accordance with the needs of the Public and experience required where this
diversity of expertise, Company. These characteristics can be diversity is reflected in the expertise and
knowledge, and reflected in the determination of the experience of each member of the Board of
experience required expertise, knowledge, and experience Commissioners.
required in carrying out the supervisory
duties and providing advice by the Board of Members of the Board of Commissioners
Commissioners of a Public Company. The have expertise in the following fields:
composition that has taken into account the • Capital market and investment
needs of the Public Company is a positive • Sharia banking
matter, particularly in terms of decision • Insurance
making in the context of implementing the • Financial industry
supervisory function, which is carried out by • Strategic management
considering various broader aspects • Finance
Prinsip 4: 4.1 Dewan Komisaris Kebijakan penilaian sendiri (self- assessment) Telah Diterapkan
Meningkatkan mempunyai Dewan Komisaris merupakan suatu
kualitas kebijakan penilaian pedoman yang digunakan sebagai bentuk Dewan Komisaris telah memiliki kebijakan
Pelaksanaan sendiri (self- akuntabilitas atas penilaian kinerja Dewan penilaian sendiri (self-assessment) sebagai
Tugas dan assessment) untuk Komisaris secara kolegial. Self-assessment mekanisme penilaian kinerja Dewan
Tanggung Jawab menilai kinerja atau penilaian sendiri dimaksud dilakukan Komisaris.
Dewan Komisaris. Dewan Komisaris. oleh masing-masing anggota untuk menilai
pelaksanaan kinerja Dewan Komisaris
secara kolegial, dan bukan menilai kinerja
individual masing- masing anggota Dewan
Komisaris. Dengan adanya self-assessment
ini diharapkan masing-masing anggota
Dewan Komisaris dapat berkontribusi untuk
memperbaiki kinerja Dewan Komisaris
secara berkesinambungan.
Dalam kebijakan tesebut dapat mencakup

kegiatan penilaian yang dilakukan
beserta maksud dan tujuannya, waktu
pelaksanaannya secara berkala, dan tolak
ukur atau kriteria penilaian yang digunakan
sesuai dengan dengan rekomendasi
yang diberikan oleh fungsi nominasi dan
remunerasi Perusahaan Terbuka, di mana
adanya fungsi tersebut telah diwajibkan
dalam Peraturan OJK tentang Komite
Nominasi dan Remunerasi Emiten atau
Perusahaan Publik.

2021 Annual Report

Principle 4: 4.1 The Board of The self-assessment policy of the Board of Has been Implemented
Improving Commissioners has Commissioners is a guideline that is used
the Quality of a self-assessment as a form of accountability to collegially The Board of Commissioners has established
Implementation policy to assess assess the performance of the Board of a self-assessment policy as a mechanism to
of Duties and the performance Commissioners. Self-assessment is intended evaluate the performance of the Board of
Responsibilities of the Board of to be carried out by each member to Commissioners.
of the Board of Commissioners collegially assess the performance of the
Commissioners Board of Commissioners, and not to assess
the individual performance of each member
of the Board of Commissioners. With this
self-assessment, each member of the Board
of Commissioners is expected to be able to
contribute to the performance improvement
of the Board of Commissioners on an
ongoing basis
The policy may include assessment

activities carried out along with the aims
and objectives, periodical implementation
time, as well as benchmarks or assessment
criteria used in accordance with the
recommendations given by the nomination
and remuneration function of the Public
Company, in which this function has
been required in OJK Regulation on the
Nomination and Remuneration Committee
of Issuers or Public Companies
4.2 Kebijakan penilaian Pengungkapan kebijakan self-assessment Telah Diterapkan
sendiri (self- atas kinerja Dewan Komisaris dilakukan tidak
assessment) untuk hanya untuk memenuhi aspek transparansi Kebijakan penilaian sendiri (self-assessment)
menilai kinerja sebagai bentuk pertanggungjawaban atas untuk menilai kinerja Dewan Komisaris telah
Dewan Komisaris, pelaksanaan tugasnya, namun juga, untuk diungkapkan dalam Laporan Tahunan Bank.
diungkapkan melalui memberikan keyakinan khususnya kepada
Laporan Tahunan para pemegang saham atau investor atas
Perusahaan Terbuka. upaya- upaya yang perlu dilakukan dalam
meningkatkan kinerja Dewan Komisaris.
Dengan adanya pengungkapan tersebut
pemegang saham atau investor mengetahui
mekanisme check and balance terhadap
kinerja Dewan Komisaris.
4.2 The self-assessment Disclosure of the self-assessment policy Has been Implemented
policy to assess on the performance of the Board of
the performance Commissioners is carried out not only to The self-assessment policy to assess the
of the Board of fulfill the transparency aspect as a form of performance of the Board of Commissioners
Commissioners is accountability for the implementation of has been disclosed in the Bank’s Annual
disclosed in the its duties, but also to provide confidence, Report.
Annual Report of the especially to shareholders or investors,
Public Company on the efforts that need to be made to
improve the performance of the Board
of Commissioners. With this disclosure,
shareholders or investors are informed
regarding the checks and balances
mechanisms on the performance of the
Board of Commissioners.
4.3 Dewan Komisaris Pengungkapan kebijakan self-assessment Telah Diterapkan
mempunyai atas kinerja Dewan Komisaris dilakukan tidak
kebijakan terkait hanya untuk memenuhi aspek transparansi Dalam Board Manual Dewan Komisaris Bank
pengunduran diri sebagai bentuk pertanggungjawaban atas Muamalat Indonesia di bab Etika Berkaitan
anggota Dewan pelaksanaan tugasnya, namun juga, untuk dengan Penyuapan dan Kejahatan Keuangan
Komisaris apabila memberikan keyakinan khususnya kepada diatur bahwa anggota Dewan Komisaris
terlibat dalam para pemegang saham atau investor atas yang terlibat dalam tindak kejahatan
kejahatan keuangan. upaya- upaya yang perlu dilakukan dalam keuangan sebagai status terpidana maka
meningkatkan kinerja Dewan Komisaris. harus mengundurkan diri dari jabatan
Dengan adanya pengungkapan tersebut sebagai anggota Dewan Komisaris.
pemegang saham atau investor mengetahui
mekanisme check and balances terhadap
kinerja Dewan Komisaris.


4.3 The Board of Disclosure of the self-assessment policy Has been Implemented
Commissioners on the performance of the Board of
has a policy related Commissioners is carried out not only to In the Board Manual of the Board of
to the resignation fulfill the transparency aspect as a form of Commissioners of Bank Muamalat Indonesia
of members of accountability for the implementation of in the chapter on Ethics Relating to Bribery
the Board of its duties, but also to provide confidence, and Financial Crimes, it is regulated that
Commissioners especially to shareholders or investors, members of the Board of Commissioners
if involved in a on the efforts that need to be made to who are involved in financial crimes with
financial crime improve the performance of the Board convicted status must resign from their
of Commissioners. With this disclosure, positions as members of the Board of
shareholders or investors are informed Commissioners.
regarding the checks and balances
mechanisms on the performance of the
4.4 Dewan Komisaris Berdasarkan ketentuan Peraturan OJK Telah Diterapkan
atau Komite yang tentang Komite Nominasi dan Remunerasi
menjalankan Emiten atau Perusahaan Publik, komite yang Bank telah memiliki dan menerapkan
fungsi Nominasi menjalankan fungsi nominasi mempunyai program Talent Management dan Succession
dan Remunerasi tugas untuk menyusun kebijakan dan Plan. Talent Management mempersiapkan
menyusun kebijakan kriteria yang dibutuhkan dalam proses Pool of Talent dari Bank sebagaI upaya
suksesi dalam proses nominasi calon anggota Direksi. Salah menyediaan dan penguatan Sumber Daya
Nominasi anggota satu kebijakan yang dapat mendukung Insani di Bank. Suksesi diterapkan untuk
Direksi proses nominasi sebagaimana dimaksud penyiapan kader-kader terbaik dari Pool of
adalah kebijakan suksesi anggota Direksi. Talent Bank yang siap menduduki posisi-
Kebijakan mengenai suksesi bertujuan posisi kritikal termasuk posisi Direksi. Bank
untuk menjaga kesinambungan proses telah memiliki database Pool of Talent dan
regenerasi atau kaderisasi kepemimpinan di Successor berdasarkan proses identifikasi
perusahaan dalam rangka mempertahankan talent dan suksesor dengan menggunakan
keberlanjutan bisnis dan tujuan jangka metodologi yang disiapkan Bank.
panjang perusahaan.
Proses validasi dan kalibrasi dilakukan
atas talent dan suksesor, baik di tingkat
Direktorat maupun di tingkat Direksi untuk
posisi-posisi strategis yaitu posisi satu level
di bawah Direksi dan Region Head. Database
ini diperbarui setiap tahun dan menjadi
referensi manajemen dalam melakukan
rotasi maupun promosi karyawan serta
untuk kebutuhan nominasi jabatan strategis
termasuk Direksi.
4.4 Board of Based on the provisions of the OJK Has been Implemented
Commissioners or Regulation on the Nomination and
the Committee in Remuneration Committee for Issuers or The Bank has established and implemented
charge of managing Public Companies, the committee in charge the Talent Management and Succession Plan
the Nomination of the nomination function has the duty to programs. Talent Management prepares a
and Remuneration formulate the policies and criteria required Pool of Talent from the Bank as an effort to
function shall in the nomination process for candidates for provide and strengthen Human Resources
establish a the Board of Directors. One of the policies in the Bank. Succession is applied to prepare
succession policy that can support the nomination process the best cadres from the Bank’s Pool of
in the Nomination as referred to is the succession policy for Talents who are ready to occupy essential
process of members members of the Board of Directors. The positions including the position of the Board
of the Board of succession policy aims to maintain the of Directors. The Bank has established a Pool
Directors continuity of the leadership regeneration of Talent and Successor database based
process in the company in order to maintain on the talent and successor identification
business sustainability and achieve the process using the methodology prepared by
company's long-term goals. the Bank.
The validation and calibration process is

carried out on talents and successors, both
at the Directorate level and at the Board
of Directors level for strategic positions,
namely positions one level below the
Board of Directors and Region Head. The
database is updated every year and serves
as a management reference in employee
rotation and promotion as well as for the
need of nominations for strategic positions,
including the Board of Directors.

2021 Annual Report

Aspek 3: Fungsi dan Peran Direksi

Aspect 3: Functions and Roles of the Board of Directors
Prinsip 5: 5.1 Penentuan jumlah Sebagai organ perusahaan yang berwenang Telah Diterapkan
Memperkuat anggota Direksi dalam pengurusan perusahaan, penentuan
Keanggotaan memper-timbangkan jumlah Direksi sangat mempengaruhi Komposisi Direksi telah sesuai dengan
dan Komposisi kondisi Perusahaan jalannya kinerja Perusahaan Terbuka. regulasi dan telah mempertimbangkan
Direksi. Terbuka serta Dengan demikian, penentuan jumlah karakteristik, kapasitas, dan skala usaha
efektivitas dalam anggota Direksi harus dilakukan melalui Bank. Per Desember 2021, jumlah Direksi
pengambilan pertimbangan yang matang dan wajib sebanyak 6 (enam) orang dengan pembagian
keputusan. mengacu pada ketentuan Peraturan tugas sebagai Direktur Utama, Direktur
Perundang- undangan yang berlaku, di Bisnis Ritel, Direktur Pembiayaan, Direktur
mana berdasarkan Peraturan OJK tentang Keuangan, Direktur Operasi serta Direktur
Direksi dan Dewan Komisaris Emiten Kepatuhan, Risiko dan Hukum. Direksi
atau Perusahaan Publik paling sedikit memiliki keahlian dan pengalaman yang
terdiri dari 2 (dua) orang. Di samping sesuai dengan bidang tugasnya masing-
itu, dalam penentuan jumlah Direksi masing.
harus didasarkan pada kebutuhan untuk
mencapai maksud dan tujuan Perusahaan
Terbuka dan disesuaikan dengan kondisi
Perusahaan Terbuka, meliputi karakteristik,
kapasitas dan ukuran Perusahaan Terbuka
serta bagaimana tercapainya efektivitas
pengambilan keputusan Direksi.
Principle 5: 5.1 Determination As a company organ that is authorized to Has been Implemented
Strengthening of the number of manage the company, the determination
the Membership members of the of the number of members of the Board of The composition of the Board of Directors
and Composition Board of Directors Directors greatly affects the performance of is in accordance with regulations and has
of the Board of takes into account the Public Company. Thus, it must be carried taken into account the characteristics,
Directors the conditions of the out through thorough consideration and capacity, and business scale of the Bank. As
Public Company and must refer to the provisions of the applicable of December 2021, 6 (six) people serve in the
the effectiveness of laws and regulations, where based on the Board of Directors with the division of duties
decision making OJK Regulation on the Board of Directors as President Director, Director of Retail
and Board of Commissioners, Issuers or Business, Director of Financing, Director of
Public Companies consist of at least 2 (two) Finance, Director of Operations, and Director
people. In addition, the determination of of Compliance, Risk and Legal. The Board of
the number of members of the Board of Directors has expertise and experience in
Directors must be based on the need to accordance with their respective fields of
achieve the purposes and objectives of duty.
the Public Company and adjusted to the
conditions of the Public Company, including
the characteristics, capacity and size of the
Public Company, as well as how to achieve
the effectiveness of decision making of the
Board of Directors
5.2 Penentuan Seperti halnya Dewan Komisaris, Telah Diterapkan
komposisi keberagaman komposisi anggota Direksi
anggota Direksi merupakan kombinasi karakteristik yang Komposisi anggota Direksi telah
memperhatikan, diinginkan baik dari segi organ Direksi memperhatikan keberagaman keahlian,
keberagaman maupun anggota Direksi secara individu, pengetahuan, dan pengalaman yang
keahlian, sesuai dengan kebutuhan Perusahaan dibutuhkan sesuai pembagian fungsi, tugas
pengetahuan, dan Terbuka. Kombinasi tersebut ditentukan dan wewenang Direksi dalam mencapai
pengalaman yang dengan cara memperhatikan keahlian, tujuan Bank.
dibutuhkan. pengetahuan, dan pengalaman yang sesuai
pada pembagian tugas dan fungsi jabatan
Direksi dalam mencapai tujuan Perusahaan
Terbuka. Dengan demikian, pertimbangan
kombinasi karakteristik dimaksud akan
berdampak dalam ketepatan proses
pencalonan dan penunjukan individual
anggota Direksi ataupun Direksi secara
kolegial.


5.2 Determination of Similar to the Board of Commissioners, the Has been Implemented
the membership diversity in the composition of members
composition of of the Board of Directors is a combination The membership composition of the Board
the Board of of desirable characteristics, both in terms of Directors has taken into account the
Directors takes of organs of the Board of Directors and diversity of expertise, knowledge, and
into account the individual members of the Board of Directors, experience required in accordance with the
diversity of expertise, in accordance with the needs of the Public division of functions, duties and authorities
knowledge, and Company. The combination is determined of the Board of Directors in achieving the
experience required by taking into account the appropriate Bank’s objectives.
expertise, knowledge, and experience in the
division of duties and functions of the Board
of Directors in achieving the objectives of
the Public Company. Thus, the consideration
of the combination of these characteristics
will have an impact on the accuracy of the
nomination process and the appointment
of members of the Board of Directors
individually or collegially
5.3 Anggota Direksi yang Laporan Keuangan merupakan laporan Telah Diterapkan
membawahi bidang pertanggungjawaban manajemen atas
akuntansi atau pengelolaan sumber daya yang dimiliki oleh Direktur yang membawahi bidang akuntansi
keuangan memiliki Perusahaan Terbuka, yang wajib disusun dan atau keuangan memiliki latar belakang
keahlian dan/atau disajikan sesuai dengan Standar Akuntansi pendidikan dan pengalaman kerja di
pengetahuan di Keuangan yang berlaku umum di Indonesia bidang akuntansi dan keuangan meraih
bidang akuntansi. dan juga peraturan OJK terkait, antara lain gelar sarjana Akuntansi dari Universitas
peraturan perundang-undangan di sektor Indonesia (1996) dan gelar Master dari IPMI
Pasar Modal yang mengatur mengenai International Business School (2020) serta
penyajian dan pengungkapan Laporan memiliki pengalaman berkarir di akuntan
Keuangan Perusahaan Terbuka. Berdasarkan publik Ernst & Young (1993-2003). Chief
peraturan perundang-undangan di sektor Financial Officer & Legal Entity Controller JP
pasar modal yang mengatur mengenai Morgan Indonesia (JP Morgan Chase Bank
tanggung jawab Direksi atas Laporan Jakarta Branch & PT JP Morgan Securities
Keuangan, Direksi secara tanggung renteng Indonesia) dan Controller PT Bank Rabobank
bertanggung jawab atas Laporan Keuangan, International Indonesia; terakhir menjabat
yang ditandatangani Direktur Utama dan sebagai CFO & Finance Director PT Bank
anggota Direksi yang membawahi bidang QNB Kesawan Tbk (2012-2015) sebelum
akuntansi atau keuangan. Dengan demikian, menjabat sebagai Direktur Keuangan Bank
pengungkapan dan penyusunan informasi Muamalat yang diangkat melalui RUPS Luar
keuangan yang disajikan dalam laporan Biasa tanggal 7 September 2015.
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 (stakeholders)
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.

2021 Annual Report

5.3 Member of the Financial Statements are management Has been Implemented
Board of Directors accountability report for the management
who is in charge of resources owned by a Public Company, The director in charge of accounting or
of accounting or which must be prepared and presented in finance has an educational background
finance has the accordance with generally accepted Financial and work experience in accounting and
expertise and/ Accounting Standards in Indonesia as well as finance. He holds a bachelor’s degree in
or knowledge in the relevant OJK regulations, including the Accounting from the University of Indonesia
accounting laws and regulations in the Capital Market (1996) and a Master’s degree from IPMI
sector, which regulates the presentation International Business School (2020) and
and disclosure of Financial Statements of has work experience in Ernst & Young public
Public Companies. Based on the laws and accountants. (1993-2003). Chief Financial
regulations in the capital market sector, Officer & Legal Entity Controller at JP Morgan
which regulates the responsibilities of Indonesia (JP Morgan Chase Bank Jakarta
the Board of Directors for the Financial Branch & PT JP Morgan Securities Indonesia)
Statements, the Board of Directors is and Controller of PT Bank Rabobank
jointly and personally responsible for the International Indonesia; last served as CFO &
Financial Statements, which are signed by Finance Director of PT Bank QNB Kesawan
the President Director and members of the Tbk (2012-2015) prior to serving as Finance
Board of Directors in charge of accounting Director of Bank Muamalat, which was
or finance. Accordingly, the disclosure appointed through the Extraordinary GMS
and preparation of financial information on 7 September 2015.
presented in the financial statements
will greatly depend on the expertise and/
or knowledge of the Board of Directors,
particularly members of the Board of
Directors in charge of accounting or finance.
The existence of qualifications of expertise
and/or knowledge in the field of accounting
that at least belongs to the member of the
Board of Directors can provide confidence in
the preparation of the Financial Statements,
to ensure that the Financial Statements can
be relied on by stakeholders as the basis
for making economic decisions regarding
the Public Company. Such expertise and/
or knowledge can be proven by educational
background, training certificates, and/or
relevant work experience
Prinsip 6: 6.1 Direksi mempunyai Seperti halnya pada Dewan Komisaris, Telah Diterapkan
Meningkatkan kebijakan penilaian kebijakan penilaian sendiri (self-assessment)
Kualitas sendiri (self- Direksi merupakan suatu pedoman yang Direksi memiliki kebijakan penilaian sendiri
Pelaksanaan assessment) untuk digunakan sebagai bentuk akuntabilitas atas (self-assessment) untuk menilai kinerja Direksi
Tugas dan menilai kinerja penilaian kinerja Direksi secara kolegial. Self- secara kolegial. Selain itu self-assessment
Tanggung Jawab Direksi. assessment atau penilaian sendiri dimaksud kinerja Direksi juga dilakukan secara berkala
Direksi. dilakukan oleh masing- masing anggota terhadap governance structure, process dan
Direksi untuk menilai pelaksanaan kinerja outcome di level Direksi. Berdasarkan hasil
Direksi secara kolegial, dan bukan menilai self-assessment tersebut telah dilakukan
kinerja individual masing-masing anggota upaya-upaya yang perlu ditingkatkan untuk
Direksi. Dengan adanya self-assessment ini peningkatan kinerja ke depan.
diharapkan masing-masing anggota Direksi
dapat berkontribusi untuk memperbaiki
kinerja Direksi secara berkesinambungan.
Dalam kebijakan tersebut dapat mencakup

kegiatan penilaian yang dilakukan
beserta maksud dan tujuannya, waktu
pelaksanaannya secara berkala, dan tolak
ukur atau kriteria penilaian yang digunakan
sesuai dengan dengan rekomendasi
yang diberikan oleh fungsi nominasi
dan remunerasi Perusahaan Terbuka, di
mana pembentukan fungsi tersebut telah
diwajibkan dalam peraturan OJK tentang
Komite Nominasi dan Remunerasi Emiten
atau Perusahaan Publik


Principle 6: 6.1 The Board of As with the Board of Commissioners, the Has been Implemented
Improving Directors has a Board of Directors’ self-assessment policy is
the Quality of self-assessment a guideline used as a form of accountability The Board of Directors has a self-assessment
Implementation policy to assess the to collegially assess the performance of the policy to assess the performance of the
of Duties and performance of the Board of Directors. The self-assessment is Board of Directors collegially. In addition,
Responsibilities Board of Directors meant to be carried out by each member self-assessment of the performance of
of the Board of of the Board of Directors to assess the the Board of Directors is also carried out
Directors performance of the Board of Directors periodically on the governance structure,
collegially, and not to assess the individual process and outcome at the level of the
performance of each member of the Board Board of Directors. Based on the results of
of Directors. With this self-assessment, the self-assessment, efforts have been made
each member of the Board of Directors to improve performance in the future.
is expected to be able to contribute to
improving the performance of the Board of
Directors on an ongoing basis
The policy may include assessment activities

carried out along with the purposes
and objectives, implementation time
in a periodic manner, and assessment
benchmarks or criteria used in accordance
with the recommendations provided by the
nomination and remuneration function of a
Public Company, where the establishment
of this function has been required in the
FSA regulation on the Nomination and
Remuneration Committee of Issuers or
Public Companies
6.2 Kebijakan penilaian Pengungkapan kebijakan self-assessment Kebijakan self-assessment atas kinerja Direksi
sendiri (self- atas kinerja Direksi dilakukan tidak hanya diungkapkan dalam bagian Penilaian Kinerja
assessment) untuk untuk memenuhi aspek transparansi Direksi di Laporan Tahunan.
menilai kinerja sebagai bentuk pertanggungjawaban
Direksi diungkapkan atas pelaksanaan tugasnya, namun juga
melalui laporan untuk memberikan informasi penting atas
tahunan Perusahaan upaya-upaya perbaikan dalam pengelolaan
Terbuka. Perusahaan Terbuka. Informasi tersebut
sangat bermanfaat untuk memberikan
keyakinan kepada pemegang saham
atau investor bahwa terdapat kepastian
pengelolaan perusahaan terus dilakukan
ke arah yang lebih baik. Dengan adanya
pengungkapan tersebut pemegang saham
atau investor mengetahui mekanisme check
and balances terhadap kinerja Direksi.
6.2 The self-assessment check and balance terhadap kinerja Direksi. The self-assessment policy on the
policy to assess the Disclosure of the self-assessment policy on performance of the Board of Directors
performance of the the performance of the Board of Directors is is disclosed in the Board of Directors
Board of Directors carried out not only to fulfill the transparency Performance Assessment section of the
is disclosed in the aspect as a form of accountability for the Annual Report.
annual report of the implementation of their duties, but also to
Public Company provide important information on efforts
to improve the management of the Public
Company. This information is very useful
to provide confidence to shareholders or
investors that there is certainty that the
management of the company will continue
to be carried out in a better direction. With
this disclosure, shareholders or investors
are informed on the checks and balances
mechanism on the performance of the
Board of Directors

2021 Annual Report

6.3 Direksi mempunyai Kebijakan pengunduran diri anggota Telah Diterapkan
kebijakan terkait Direksi yang terlibat dalam kejahatan
pengunduran diri keuangan merupakan kebijakan yang dapat Dalam ketentuan Internal: Board Manual
anggota Direksi meningkatkan kepercayaan para pemangku Direksi Bank Muamalat Indonesia dalam
apabila terlibat kepentingan terhadap Perusahaan Terbuka, bab Etika Berkaitan dengan Penyuapan dan
dalam kejahatan sehingga integritas perusahaan akan tetap Kejahatan Keuangan bagi Direksi antara lain
keuangan. terjaga. Kebijakan ini diperlukan untuk diatur bahwa:
membantu kelancaran proses hukum 1. Direksi dilarang melakukan tindakan
dan agar proses hukum tersebut tidak manipulasi dan berbagai bentuk
mengganggu jalannya kegiatan usaha. Selain penggelapan dalam kegiatan jasa
itu, dari sisi moralitas, kebijakan ini akan keuangan serta tindakan pidana
membangun budaya beretika di lingkungan pencucian uang sebagaimana dimaksud
Perusahaan Terbuka. Kebijakan tersebut UU No. 8 Tahun 2010 tentang Pencegahan
dapat tercakup dalam Pedoman ataupun dan Pemberantasan Tindak Pencucian
Kode Etik yang berlaku bagi Direksi. Uang.
2. Anggota Direksi yang terlibat dalam
tindak kejahatan keuangan sebagai status
terpidana, maka harus mengundurkan
diri dari jabatan sebagai anggota Direksi.
6.3 The Board of The policy on the resignation of members of Has been Implemented
Directors has a the Board of Directors involved in financial
policy related to crimes is a policy that can increase the In the Internal provisions: Board Manual of
the resignation of confidence of stakeholders in the Public the Board of Directors of Bank Muamalat
members of the Company, subsequently maintaining the Indonesia, the chapter on Ethics Relating to
Board of Directors integrity of the company. This policy is Bribery and Financial Crimes for the Board of
if involved in a required to facilitate the legal process and Directors regulated that:
financial crime to ensure that the legal process does not 1. The Board of Directors is prohibited
interfere with business activities. In addition, from committing acts of manipulation
from a morality perspective, this policy will and various forms of embezzlement in
build an ethical culture within the Public financial services activities as well as
Company. These policies can be included in money laundering as referred to in Law
the Guidelines or Code of Conduct applicable No. 8 of 2010 on the Prevention and
to the Board of Directors. Eradication of Money Laundering.
2. Members of the Board of Directors who
are involved in financial crimes with
convicted status must resign from their
positions as members of the Board of
Directors.
Aspek 4: partisipasi Pemangku Kepentingan

Aspect 4: Stakeholders Participation
Prinsip 7: 7.1 Perusahaan Terbuka Seseorang yang mempunyai informasi Telah Diterapkan
Meningkatkan memiliki kebijakan orang dalam dilarang melakukan suatu
Aspek Tata Kelola untuk mencegah transaksi efek dengan menggunakan Kebijakan GCG Bank mengatur bahwa Bank
Perusahaan terjadinya insider informasi orang dalam sebagaimana senantiasa menyediakan informasi yang
melalui trading. dimaksud dalam Undang-Undang mengenai cukup, akurat, dipercaya dan tepat waktu
Partisipasi Pasar Modal. Perusahaan Terbuka dapat kepada segenap pemangku kepentingan
Pemangku meminimalisir terjadinya insider trading dengan mengedepankan prinsip equal
Kepentingan. tersebut melalui kebijakan pencegahan, treatment.
misalnya dengan memisahkan secara tegas
data dan/atau informasi yang bersifat Jajaran Bank dilarang untuk membeli atau
rahasia dengan informasi  yang bersifat menjual saham (common stock) atau surat
publik, serta membagi tugas dan tanggung berharga Bank lainnya pada saat yang
jawab atas pengelolaan informasi dimaksud bersangkutan bertanggung jawab atas
secara proporsional dan efisien. informasi penting yang tidak dimaksudkan
untuk konsumsi publik yang dapat
mempengaruhi nilai harga saham dan surat
berharga Bank.
Sebagai informasi bahwa Bank Muamalat

Indonesia merupakan perusahaan terbuka,
namun tidak memperdagangkan sahamnya
di Bursa Efek Indonesia, sehingga potensi
terjadinya insider trading sangat rendah.


Principle 7: 7.1 The Public Company A person who has inside information is Has been Implemented
Improving has a policy prohibited from conducting a securities
the Corporate to prevent the transaction using inside information The Bank’s GCG policy stipulates that the
Governance occurrence of insider as referred to in the Law on the Capital Bank always provides sufficient, accurate,
Aspect through trading Market. Public companies can minimize reliable and timely information to all
Stakeholders the occurrence of insider trading through stakeholders by prioritizing the principle of
Participation preventive policies, such as by strictly equal treatment.
separating confidential data and/or
information from public information, as Bank officials are prohibited from buying
well as dividing tasks and responsibilities or selling common stock or other Bank
for the management of information in a securities when they are responsible for
proportional and efficient manner. important information that is not intended
for public consumption that may affect the
value of the Bank’s shares and securities.
As information, Bank Muamalat Indonesia

is a public company, but does not trade its
shares on the Indonesia Stock Exchange,
therefore the potential for insider trading is
very low.
7.2 Perusahaan Terbuka Kebijakan anti korupsi bermanfaat Telah Diterapkan
memiliki kebijakan untuk memastikan agar kegiatan usaha
anti korupsi dan anti Perusahaan Terbuka dilakukan secara legal, Ketentuan terkait anti korupsi dan anti-
fraud. prudent, dan sesuai dengan prinsip-prinsip fraud telah diatur dalam Board Manual dan
tata kelola yang baik. Kebijakan tersebut Prosedur. Bank telah menyusun Prosedur
dapat merupakan bagian dalam kode etik, Anti Fraud yang secara umum mengatur
ataupun dalam bentuk tersendiri. Dalam tugas dan tanggung jawab unit kerja Anti
kebijakan tersebut dapat meliputi antara Fraud, wewenang anti-fraud, pencegahan,
lain mengenai program dan prosedur yang deteksi, investigasi, pelaporan, sanksi,
dilakukan dalam mengatasi praktik korupsi, pemantauan, evaluasi tindak lanjut dan
balas jasa (kickbacks), fraud, suap dan/atau whistleblowing system.
gratifikasi dalam Perusahaan Terbuka.
Lingkup dari kebijakan tersebut harus
menggambarkan pencegahan Perusahaan
Terbuka terhadap segala praktik korupsi
baik memberi atau menerima dari pihak lain.
7.2 The Public Company The anti-corruption policy is useful to ensure Has been Implemented
has established the that the business activities of the Public
anti-corruption and Company are carried out legally, prudently, Provisions related to anti-corruption and
anti-fraud policy and in accordance with the principles of anti-fraud have been regulated in the
good governance. The policy can be part of Board Manual and Procedure. The Bank
the code of conduct, or in a separate form. has developed Anti-Fraud Procedures
The policy may include, among others, that generally regulate the duties and
the programs and procedures carried out responsibilities of the Anti-Fraud work unit,
in overcoming the practice of corruption, the authority of anti-fraud, prevention,
kickbacks, fraud, bribery and/or gratuities detection, investigation, reporting,
in a Public Company. The scope of the policy sanctions, monitoring, follow-up evaluation
must describe the prevention of the Public and whistleblowing system.
Company against all corrupt practices, either
in terms of giving and receiving from others.

2021 Annual Report

7.3 Perusahaan Terbuka Kebijakan tentang seleksi pemasok atau Telah Diterapkan
memiliki kebijakan vendor bermanfaat untuk memastikan agar
tentang seleksi Perusahaan Terbuka memperoleh barang Kebijakan GCG mengatur bahwa Bank dalam
dan peningkatan atau jasa yang diperlukan dengan harga yang berinteraksi dengan Penyedia Barang/Jasa
kemampuan kompetitif dan kualitas yang baik. Sedangkan antara lain dengan pemasok dan pihak lain
pemasok atau kebijakan peningkatan kemampuan yang melakukan transaksi usaha dengan
vendor. pemasok atau vendor bermanfaat untuk Bank senantiasa menjalin hubungan baik
memastikan bahwa rantai pasokan (supply didasarkan atas dasar profesionalisme,
chain) berjalan dengan efisien dan efektif. kepercayaan, kejujuran, saling menghormati
Kemampuan pemasok atau vendor dan memberi kesempatan yang sama dalam
dalam memasok/memenuhi barang atau memperoleh informasi yang relevan sesuai
jasa yang dibutuhkan perusahaan akan hubungan bisnis dengan Perseroan sehingga
mempengaruhi kualitas output perusahaan. masing-masing pihak dapat membuat
keputusan atas dasar pertimbangan yang
Pelaksanaan kebijakan-kebijakan adil dan wajar. Dalam menjalin hubungan
tersebut dapat menjamin kontinuitas antara Bank dengan penyedia barang/
pasokan, baik dari segi kuantitas maupun jasa, seluruh pihak berkewajiban untuk
kualitas yang dibutuhkan Perusahaan merahasiakan informasi dan melindungi
Terbuka. Adapun cakupan kebijakan kepentingan masing-masing pihak.
ini meliputi kriteria dalam pemilihan
pemasok atau vendor, mekanisme Dalam melaksanakan hubungan dengan
pengadaan yang transparan, upaya penyedia barang/jasa, Bank senantiasa
peningkatan kemampuan pemasok atau mengedepankan prinsip-prinsip sebagai
vendor, dan pemenuhan hak-hak yang berikut:
berkaitan dengan pemasok atau vendor. • Pengadaan barang/jasa harus dilakukan
melalui seleksi dan persaingan yang sehat
dengan memberikan perlakukan yang
setara terhadap semua calon mitra bisnis
yang telah memenuhi syarat/kriteria
tertentu dari perusahaan.
• Semua ketentuan dan informasi mengenai
pengadaan barang/jasa termasuk syarat
teknis administrasi, tata cara evaluasi
serta hasil evaluasi disampaikan kepada
calon mitra bisnis yang akan melakukan
bisnis dengan perusahaan.
• Memberikan perlakukan yang sama
bagi semua calon mitra bisnis secara
proporsional dan tidak mengarah untuk
memberikan keuntungan kepada pihak
tertentu dengan cara apapun.
• Mekanisme seleksi pemasok atau vendor
telah diatur secara detil dalam Prosedur
Pengadaan Barang dan Jasa.


7.3 The Public Company The policy regarding the selection of Has been Implemented
has a policy on suppliers or vendors is useful to ensure that
the selection the Public Company obtains the required The GCG policy stipulates that in interacting
and capability goods or services at competitive prices with providers of goods/ services, among
improvement of with good quality. Meanwhile, the policy on others with suppliers and other parties
suppliers or vendors improving the ability of suppliers or vendors conducting business transactions, the Bank
is useful to ensure that the supply chain is always maintain good relations based on
running efficiently and effectively. The ability professionalism, trust, honesty, mutual
of suppliers or vendors to supply/ fulfill the respect and provide equal opportunities
goods or services required by the company in obtaining relevant information, in
will affect the quality of the company’s accordance with the business relationship
output. with the Company to ensure that each
party can make decisions based on fair and
The implementation of these policies can reasonable considerations. In establishing a
ensure continuity of supply, both in terms relationship between the Bank and providers
of quantity and quality required by the of goods/ services, all parties are required to
Public Company. The scope of this policy keep information confidential and protect
includes criteria to select suppliers or the interests of each party
vendors, transparency in the procurement
mechanisms, efforts to improve the capacity In establishing relationships with providers
of suppliers or vendors, and fulfillment of of goods/services, the Bank always prioritizes
rights related to suppliers or vendors. the following principles:
• The procurement of goods/ services must
be carried out through selection and fair
competition by providing equal treatment
to all prospective business partners who
have met certain requirements/criteria
from the company.
• All provisions and information regarding
the procurement of goods/services,
including administrative technical
requirements, evaluation procedures,
and evaluation results are submitted to
prospective business partners who will
conduct business with the company
• Providing equal treatment for all potential
business partners in a proportional
manner and does not lead to providing
benefits to certain parties in any way
• The supplier or vendor selection
mechanism has been regulated in detail
in the Procedure for the Procurement of
Goods and Services.
7.4 Perusahaan Terbuka Kebijakan tentang pemenuhan hak-hak Telah Diterapkan
memiliki kebijakan kreditur digunakan sebagai pedoman dalam
tentang pemenuhan melakukan pinjaman kepada kreditur. Pemenuhan hak-hak kreditur telah diatur
hak-hak kreditur. Tujuan dari kebijakan dimaksud adalah pada prosedur produk Bank serta tercantum
untuk menjaga terpenuhinya hak-hak dan dalam perjanjian.
menjaga kepercayaan kreditur terhadap
Perusahaan Terbuka. Dalam kebijakan
tersebut mencakup pertimbangan dalam
melakukan perjanjian, serta tindak lanjut
dalam pemenuhan kewajiban Perusahaan
Terbuka kepada kreditur.
7.4 The Public Company The policy regarding the fulfillment of Has been Implemented
has a policy on the creditor rights is used as a guideline in
fulfilment of creditor lending to creditors. The purpose of the Fulfillment of creditor rights has been
rights policy is to maintain the fulfillment of regulated in the Bank’s product procedures
rights and maintain creditor’s confidence and stated in the agreement.
in the Public Company. The policy includes
considerations on making agreements,
as well as follow-up actions in fulfilling
the obligations of the Public Company to
creditors.
7.5 Perusahaan Kebijakan sistem whistleblowing yang telah Telah Diterapkan
Terbuka memiliki disusun dengan baik akan memberikan
kebijakan sistem kepastian perlindungan kepada saksi atau Bank memiliki kebijakan pelaksanaan
whistleblowing. pelapor atas suatu indikasi pelanggaran Whistleblowing System sebagaimana diatur
yang dilakukan karyawan atau manajemen dalam Kebijakan GCG dan Prosedur Anti
Perusahaan Terbuka. Penerapan kebijakan Fraud yang mencakup:
sistem tersebut akan berdampak • Perlindungan kepada Whistleblower.
pada pembentukan budaya tata kelola • Sistem Pelaporan dan Mekanisme Tindak
perusahaan yang baik. Kebijakan sistem Lanjut Laporan Whistleblower.
whistleblowing mencakup antara lain jenis • Pengaduan indikasi fraud.
pelanggaran yang dapat dilaporkan melalui • Contact center whistleblowing system
sistem whistleblowing, cara pengaduan,
perlindungan dan jaminan kerahasiaan
pelapor, penanganan pengaduan, pihak yang
mengelola aduan, dan  hasil penanganan
dan tindak lanjut pengaduan.

2021 Annual Report

7.5 The Public Company A whistleblowing system policy that has been Has been Implemented
has a whistleblowing prepared properly will provide certainty
system policy of protection to witnesses or reporters on The Bank has established a Whistleblowing
an indication of a violation committed by System implementation policy as stipulated
employees or management of the Public in the GCG Policy and Anti-Fraud Procedure,
Company. The implementation of the system which includes:
policy will have an impact on the formation • Protection to Whistleblower
of a good corporate governance culture. The • Reporting System and Mechanism for
whistleblowing system policy covers, among Follow-Up on Whistleblower Reports
others, the types of violations that can be • Complaints indicating fraud
reported through the whistleblowing system, • Contact center of the whistleblowing
the method of complaints, protection and system
assurance of the confidentiality of the
whistleblower, handling of complaints, the
party managing complaints, and the results
of handling and following up of complaints.
7.6 Perusahaan Terbuka Insentif jangka panjang merupakan insentif Telah Diterapkan
memiliki kebijakan yang didasarkan atas pencapaian kinerja
pemberian insentif jangka panjang. Rencana insentif jangka Long Term Incentive Plan (LTIP) dikembangkan
jangka panjang panjang mempunyai dasar pemikiran sebagai bagian dari penerapan konsep
kepada Direksi dan bahwa kinerja jangka panjang perusahaan Talent Management dan Succession Plan di
karyawan. tercermin oleh pertumbuhan nilai  dari Bank.
saham atau target-target jangka panjang
perusahaan lainnya. Insentif jangka panjang Talent dan Successor Pool yang tersedia
bermanfaat dalam rangka menjaga loyalitas merupakan karyawan terpilih yang
dan memberikan motivasi kepada Direksi diharapkan menjadi penggerak utama
dan karyawan untuk menigkatkan kinerja proses bisnis perusahaan. Salah satu upaya
atau produktivitasnya yang akan berdampak untuk mempertahankan mereka adalah
pada peningkatan kinerja perusahaan dalam melalui program retensi baik yang bersifat
jangka panjang. finansial maupun non finansial. Program
LTIP merupakan salah satu program retensi
Adanya suatu kebijakan insentif jangka dari sisi finansial di mana skema yang dibuat
panjang merupakan komitmen nyata mengacu pada pencapaian kinerja atas Key
Perusahaan Terbuka untuk mendorong Performance Indicator (KPI) jangka panjang
pelaksanaan pemberian insentif jangka dengan syarat dan kondisi khusus.
panjang kepada Direksi dan Karyawan
dengan syarat, prosedur dan bentuk yang Beberapa skema ditetapkan dalam beberapa
disesuaikan dengan tujuan jangka panjang opsi yaitu upfront payment system dengan
Perusahaan Terbuka. Kebijakan dimaksud bonding period dan mekanisme clawback
dapat mencakup, antara lain: maksud dan serta opsi x. Masing-masing terikat dengan
tujuan pemberian insentif jangka panjang, syarat dan ketentuan yang relevan.
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.
7.6 The Public Company Long-term incentives are incentives that Has been Implemented
has a policy of are based on the achievement of long-term
providing long-term performance. Long-term incentive plans The available Talent and Successor Pool are
incentives to the have the rationales that the company’s long- employees who have been selected and
Board of Directors term performance is reflected by the growth are expected to be the main drivers of the
and employees in the value of the stock or other long- company’s business processes. One of the
term targets of the company. Long-term efforts to retain them is through financial
incentives are useful in order to maintain and non-financial retention programs. The
loyalty and provide motivation to the Board LTIP program is one of the financial retention
of Directors and employees to increase programs where the prepared scheme refers
their performance or productivity, that will to the long-term performance achievement
have an impact on increasing the company’s of the Key Performance Indicators (KPI) with
performance over the long term. special terms and conditions.
The existence of a long-term incentive Several schemes are set in several options,
policy is a real commitment of a Public namely the upfront payment system with a
Company to encourage the implementation bonding period and clawback mechanism,
of providing long-term incentives to the as well as x option. Each is binding by the
Board of Directors and Employees on terms, relevant terms and conditions.
procedures, and forms that are tailored
to the long-term objectives of the Public
Company. Such policy may include, among
others: means and objectives of providing
long-term incentives, terms and procedures
for incentives, as well as conditions and risks
that the Public Company should consider in
providing incentives. The policy may also be
included in the existing remuneration policy
of the Public Company


Aspek 5: Keterbukaan Informasi

Aspect 5: Disclosure of Information
Prinsip 8: 8.1 Perusahaan Terbuka Penggunaan teknologi informasi dapat Telah Diterapkan
Meningkatkan memanfaatkan bermanfaat sebagai media keterbukaan
Pelaksanaan penggunaan informasi. Adapun keterbukaan informasi Bank senantiasa berupaya untuk
Keterbukaan teknologi informasi yang dilakukan tidak hanya keterbukaan meningkatkan kualitas keterbukaan
Informasi secara lebih luas informasi yang telah diatur dalam peraturan informasi kepada stakeholders melalui media
selain Situs Web perundang-undangan, namun juga teknologi informasi selain website Bank.
sebagai media informasi lain terkait Perusahaan Terbuka Media teknologi informasi yang digunakan
keterbukaan yang dirasakan bermanfaat untuk diketahui oleh Bank untuk melakukan pelayanan
informasi. pemegang saham  atau investor. Dengan dan update kebutuhan informasi kepada
pemanfaatan teknologi informasi secara nasabah atau calon nasabah adalah media
lebih luas selain situs web diharapkan sosial, yang terdiri dari Youtube, Facebook,
perusahaan dapat meningkatkan efektivitas Twitter dan Instagram.
penyebaran informasi perusahaan.
Meskipun demikian, pemanfaatan
teknologi informasi yang dilakukan tetap
memperhatikan manfaat dan biaya
perusahaan.
Principle 8: 8.1 The Public Company Information technology can be useful as Has been Implemented
Improving the utilize the use a medium to disclose information. The
Disclosure of of information disclosure of information is not only limited The Bank always strives to improve
Information technology more to information that has been regulated in the quality of information disclosure
Implementation broadly than the the laws and regulations but also other to stakeholders through information
Website as a medium information related to the Company that can technology media in addition to the Bank’s
for transparency of be useful to be disclosed to shareholders or website. Information technology media used
information. investors. With more extensive utilization of by the Bank to provide services and update
information technology in addition to the of information for customers or prospective
Website, improvement in the effectiveness of customers is social media, consisting of
the dissemination of corporate information Youtube, Facebook, Twitter, and Instagram.
by the company is expected. Nevertheless,
the utilization of information technology still
takes into account the benefits and costs of
the company.
8.2 Laporan Tahunan Peraturan perundang-undangan di sektor Telah Diterapkan
Perusahaan Terbuka Pasar Modal yang mengatur mengenai
mengungkapkan penyampaian laporan tahunan Perusahaan Bank telah mengungkapkan informasi
pemilik manfaat Terbuka telah mengatur kewajiban mengenai pemegang saham yang memiliki
akhir dalam pengungkapan informasi mengenai lebih dari 5% (lima) persen atau lebih saham
kepemilikan saham pemegang saham yang memiliki 5% (lima Bank kepada Regulator dan Masyarakat
Perusahaan Terbuka persen) atau lebih saham Perusahaan melalui website Bank. Pengungkapan
paling sedikit 5% Terbuka serta kewajiban pengungkapan informasi tersebut telah diungkapkan pada
(lima persen), selain informasi mengenai pemegang saham website Bank menu Hubungan Investor
pengungkapan utama dan pengendali Perusahaan Terbuka bagian pemegang saham serta bagian
pemilik manfaat baik langsung maupun tidak langsung ikhtisar saham dalam Laporan Tahunan ini.
akhir dalam sampai dengan pemilik manfaat terakhir
kepemilikan saham dalam kepemilikan saham tersebut. Dalam
Perusahaan Terbuka Pedoman Tata Kelola ini direkomendasikan
melalui pemegang untuk mengungkapkan pemilik manfaat
saham utama dan akhir atas kepemilikan saham Perusahaan
pengendali. Terbuka paling sedikit 5% (lima persen),
selain mengungkapkan pemilik manfaat
akhir dari kepemilikan saham oleh
pemegang saham utama dan pengendali.
8.2 Annual Report of Laws and regulations in the Capital Market Has been Implemented
the Public Company sector that regulate the submission of a
discloses the Public Company’s Annual Report has set The Bank has disclosed information
ultimate beneficial out the obligation to disclose information regarding shareholders with 5% (five)
owner of Public concerning shareholders with 5% (five percent or more of the Bank’s shares to
Company’s share percent) or more ownership of Public Regulators and the Public through the Bank’s
ownership of at least Company’s shares, as well as the obligation website. The disclosure of information has
5% (five percent), to disclose information on majority and been disclosed on the Bank’s website, on
in addition to the controlling shareholders of the Public the Investor Relations menu, shareholders
disclosure of the Company either directly or indirectly up to section as well as the stock highlights section
ultimate beneficial the ultimate beneficial owner in the shares of this Annual Report.
owners in the share ownership. In this Governance Guideline,
ownership of the it is recommended to disclose the ultimate
Public Company beneficial owner on the Public Company’s
through the majority shares ownership of at least 5% (five
and controlling percent), in addition to disclose the ultimate
shareholders beneficial owner from the shares ownership
by the majority and controlling shareholders

2021 Annual Report
Struktur dan Mekanisme Corporate

Governance
Corporate Governance Structure and Mechanism
STRUKTUR TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE STRUCTURE

Struktur pelaksanaan GCG di lingkungan Bank Muamalat The structure GCG implementation structure within Bank
terdiri dari Rapat Umum Pemegang Saham (RUPS), Dewan Muamalat consists of the General Meeting of Shareholders
Komisaris, Dewan Pengawas Syariah, Direksi dan komite- (GMS), the Board of Commissioners, the Sharia Supervisory
komite di bawah Dewan Komisaris dan Direksi. Seluruh Board, the Board of Directors, and committees under the
unsur tersebut melaksanakan tugas dan tanggung jawab Board of Commissioners and the Board of Directors. All of
sesuai fungsinya masing-masing. these elements carry out their duties and responsibilities
according to their respective functions.
Struktur Organisasi Tata Kelola Bank Governance Organizational Structure of

Muamalat Indonesia Bank Muamalat Indonesia
Rapat Umum Pemegang Saham

Dewan Pengawas Syariah Direksi Dewan Komisaris

Sharia Supervisory Board Board of Directors Board of Commissioners
Komite Nominasi &

Remunerasi
Nomination & Remuneration
Committee
Komite Manajemen Risiko Unit Kerja Komite Audit

Risk Management Committee Working Units Audit Committee
Komite Pengarah Teknologi

Informasi Komite Pemantau Risiko
Information Technology Risk Oversight Committee
Steering Committee
Komite Tata Kelola

Komite Aset dan Liabilitas Perusahaan
Asset and Liabilities Committee Corporate Governance
Committee
Komite Sumber Daya Manusia

Human Capital Committee
INFRASTRUKTUR TATA KELOLA CORPORATE GOVERNANCE

PERUSAHAAN INFRASTRUCTURE
Bank Muamalat memiliki infrastruktur berupa kebijakan dan Bank Muamalat has established an infrastructure in the form
prosedur sebagai panduan dalam menjalankan fungsi dan of Policy/ Procedure as a guide in carrying out its functions
tugas organ perusahaan, antara lain: and duties such as:
• Anggaran Dasar Bank Muamalat Indonesia • Bank Muamalat Indonesia’s Articles of Association
• Board Manual Bank Muamalat Indonesia • Board Manual of Bank Muamalat Indonesia
• Kode Etik Bank Muamalat Indonesia • Bank Muamalat Indonesia’s Code of Conduct
• Kebijakan GCG Bank Muamalat Indonesia • Bank Muamalat Indonesia’s GCG Policy

• Kebijakan Umum Operasional Bank • Bank’s General Operational Policy

• Prosedur Pelaksanaan Rapat Direksi • Procedure for Conducting Board of Directors’ Meetings
• Prosedur Pelaksanaan Rapat Umum Pemegang Saham • Procedure for Conducting General Meeting of
Shareholders
• Piagam Komite Audit • Audit Committee Charter
• Piagam Komite Nominasi dan Remunerasi • Nomination and Remuneration Committee Charter
• Piagam Komite Pemantau Risiko • Risk Monitoring Committee Charter
• Piagam Komite Tata Kelola Perusahaan • Corporate Governance Committee Charter
• Piagam Komite Aset dan Liabilitas • Assets and Liabilities Committee Charter
• Piagam Komite Pengarah Teknologi Informasi • Information Technology Steering Committee Charter
• Piagam Komite Manajemen Risiko • Risk Management Committee Charter
• Pedoman dan Prosedur Anti-Fraud • Anti-Fraud Guideline and Procedure
• Piagam Internal Audit • Internal Audit Charter
• Kebijakan dan Prosedur penerapan APU-PPT (Anti • AML-CFT (Anti Money Laundering & Counter Financing of
Pencucian Uang-Pencegahan Pendanaan Terorisme) Terrorism) Implementation Policy and Procedure
MEKANISME TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE MECHANISM

Mekanisme tata kelola di lingkungan Bank mengacu pada The governance mechanism within the Bank refers to the soft
soft structure, berupa kebijakan dan prosedur operasional structure, in the form of policies and operational procedures
yang terkait GCG. Kebijakan ini senantiasa diterapkan dalam that are related to GCG. The policies are always applied in
kegiatan bisnis sehari-hari. Selain itu, Bank juga melakukan daily business activities. In addition, the Bank also conducts
review secara berkala. periodic reviews.
Norma tersebut dikomunikasikan kepada seluruh unsur dan These norms are communicated to all elements and each
masing-masing tingkatan dalam organisasi Bank agar dapat level within the Bank’s organization to ensure that it can be
dijadikan sebagai landasan dalam menerapkan prinsip- used as the basis for implementing GCG principles within the
prinsip GCG di lingkungan Bank. Bank.
Organ utama struktur GCG terdiri dari RUPS yang memiliki The main organs of the GCG structure consist of the GMS,
kedudukan tertinggi, Dewan Komisaris, Dewan Pengawas which has the highest position, the Board of Commissioners,
Syariah dan Direksi. Dalam pelaksanaannya, organ utama the Sharia Supervisory Board and the Board of Directors.
dibantu oleh organ pendukung yang terdiri dari komite di In its implementation, the main organs are assisted by
tingkat Dewan Komisaris, Direksi, Dewan Pengawas Syariah, supporting organs consisting of committees at the levels
Sekretaris Perusahaan, Manajemen Risiko dan Internal of the Board of Commissioners, Board of Directors, Sharia
Audit. Supervisory Board, Corporate Secretary, Risk Management,
and Internal Audit.
Dewan Komisaris memiliki beberapa komite untuk The Board of Commissioners established several committees
membantu dan meningkatkan tugas dan fungsi pengawasan. to assist and improve its supervisory duties and functions.
Komite-komite di tingkat Dewan Komisaris BMI adalah The following are committees at the level of the Board of
sebagai berikut: Commissioners of BMI:
• Komite Audit • Audit Committee
• Komite Pemantau Risiko • Risk Monitoring Committee
• Komite Nominasi dan Remunerasi • Nomination and Remuneration Committee
• Komite Tata Kelola Perusahaan • Corporate Governance Committee
Direksi juga membentuk komite dalam rangka membantu The Board of Directors also established several committee in
tugasnya, antara lain: order to assist its duties, among others:
• Komite Aset dan Liabilitas • Assets and Liabilities Committee
• Komite Pengarah Teknologi Informasi • Information Technology Steering Committee
• Komite Manajemen Risiko • Risk Management Committee
• Komite Sumber Daya Manusia • Human Resources Committee

2021 Annual Report
Rapat Umum Pemegang Saham

RUPS adalah organ tertinggi dalam struktur organisasi GCG The GMS is the highest organ in the organizational structure
BMI, yang mempunyai hak dan kewenangan yang tidak of BMI’s GCG, that has rights and authorities not granted
dimiliki oleh Dewan Komisaris dan Direksi dalam batasan to the Board of Commissioners and the Board of Directors
yang ditentukan oleh ketentuan peraturan perundangan within the limits determined by the provisions of laws and
dan Anggaran Dasar Bank. regulations and the Bank’s Articles of Association.
RUPS juga menjadi media komunikasi antara Pemegang The GMS also serves as a communication medium between
Saham dengan Dewan Komisaris dan Direksi melalui forum Shareholders with the Board of Commissioners and
tanya jawab yang diberikan kepada seluruh Pemegang Board of Directors through the Q&A forum provided to all
Saham yang hadir pada setiap mata acara RUPS. Shareholders present at each GMS agenda.
Penyelenggaraan RUPS Bank mengacu pada beberapa The Bank’s GMS implementation refers to several provisions,
ketentuan, di antaranya: among others:
• Undang-Undang No. 40 tahun 2007 tentang Perseroan • Law No. 40 of 2007 on Limited Liability Companies.
Terbatas.
• Peraturan OJK No. 15/POJK.04/2020 tentang Rencana • FSA Regulation No. 15/POJK.04/2020 on the Planning and
dan Penyelenggaraan Rapat Umum Pemegang Saham Implementation of General Meeting of Shareholders of a
Perusahaan Terbuka Public Companies
• Peraturan OJK No. 16/POJK.04/2020 tentang Pelaksanaan • FSA Regulation No. 16/POJK.04/2020 on the
Rapat Umum Pemegang Saham Perusahaan Terbuka Implementation of the General Meeting of Shareholders
Secara Elektronik of a Public Company Electronically
• Anggaran Dasar Bank • The Bank’s Articles of Association
• Prosedur Internal terkait Pelaksanaan Rapat Umum • Internal Procedures related to the General Meeting of
Pemegang Saham Shareholders
JENIS RUPS TYPES OF GMS

Bank Muamalat membagi RUPS ke dalam dua jenis sesuai Bank Muamalat divides the GMS into two types in accordance
dengan UU No. 40 Tahun 2007 tentang Perseroan Terbatas with Law no. 40 of 2007 on Limited Liability Companies and
dan Peraturan OJK No. 15/POJK.04/2020 Tahun 2020 tentang FSA Regulation No. 15/POJK.04/2020 of 2020 on the Plan and
Rencana dan Penyelenggaraan Rapat Umum Pemegang Implementation of the General Meeting of Shareholders of
Saham Perusahaan Terbuka, yakni: Public Companies, namely:
1. RUPS Tahunan 1. Annual GMS

RUPS Tahunan diselenggarakan paling lambat 6 (enam) The Annual GMS is held no later than 6 (six) months after
bulan setelah berakhirnya tahun buku atau batas the end of the fiscal year or the time limit determined by
waktu yang ditentukan oleh OJK. Agenda utama RUPS FSA. The main agenda of the Annual GMS consists of the
Tahunan terdiri dari pengajuan Laporan Keuangan submission of Financial Statements and Annual Reports
dan Laporan Tahunan dari Direksi untuk disahkan dan from the Board of Directors to be approved and ratified
disetujui oleh Pemegang Saham. Kemudian melakukan by the Shareholders. Then appoint a Public Accounting
penunjukan Kantor Akuntan Publik untuk tahun buku Firm for the upcoming fiscal year, decide on the use of
berikutnya, memutuskan penggunaan laba, mengangkat profits, appoint or dismiss members of the Board of
atau memberhentikan anggota Direksi atau anggota Directors or members of the Board of Commissioners
Dewan Komisaris serta memutuskan hal-hal lain yang and decide other necessary matters.
diperlukan.
2. RUPS Luar Biasa atau RUPS Lainnya 2. Extraordinary GMS and Other GMS
Pelaksanaan RUPS Luar Biasa atau RUPS Lainnya tidak The implementation of the Extraordinary GMS or
terbatas oleh ketentuan waktu, dapat diselenggarakan Other GMS is not limited by time provisions, can be
kapan saja sesuai keperluan perusahaan oleh Dewan implemented at any time according to the company’s
Komisaris atau Direksi, atas permintaan dari Pemegang needs by the Board of Commissioners or the Board of
Saham. Directors, at the request of the Shareholders.

WEWENANG RUPS AUTHORITY OF THE GMS

RUPS memiliki wewenang yang tidak diberikan kepada The GMS has authorities not granted to the Board of
Dewan Komisaris atau pun Direksi, sesuai batasan yang Commissioners or the Board of Directors, according to
ditentukan dalam UU No. 40 tahun 2007 tentang Perseroan the limits stipulated in Law No. 40 of 2007 on Limited
Terbatas, Peraturan OJK No. 15/POJK.04/2020 tentang Liability Companies, FSA Regulation No. 15/POJK.04/2020
Rencana dan Penyelenggaraan Rapat Umum Pemegang on the Planning and Implementation of General Meeting
Saham Perusahaan Terbuka, Peraturan Otoritas Jasa of Shareholders of Public Companies, Financial Services
Keuangan Nomor 3/POJK.04/2021 tentang Penyelenggaraan Authority Regulation No. 3/POJK.04/2021 on Implementation
Kegiatan di Bidang Pasar Modal dan/atau Anggaran Dasar of Activities in the Capital Market Sector and/or Articles of
Bank. Wewenang RUPS di antara lain: Association of Banks. The GMS’s authorities include:
1. Melakukan evaluasi kinerja Dewan Komisaris dan Direksi 1. Evaluating the performance of the Boards of
Commissioners and Board of Directors
2. Melakukan pengesahan perubahan Anggaran Dasar 2. Approving amendments to the Articles of Association
3. Memberikan persetujuan atas Laporan Direksi, Laporan 3. Giving approval to the Board of Directors’ Report, the
Tugas Pengawasan Dewan Komisaris serta Laporan Board of Commissioners Supervisory Report, and the
Keuangan Perseroan Company’s Financial Statements
4. Memutuskan alokasi penggunaan laba 4. Deciding on the allocation of the use of profits
5. Menunjuk dan menetapkan biaya jasa akuntan publik 5. Appointing and determining the cost of public accountant
services
6. Memutuskan jumlah dan jenis kompensasi serta fasilitas 6. Determining the amount and type of management
pengurus compensation and facilities
7. Memberikan persetujuan Laporan Tahunan termasuk 7. Approving the Annual Report including the Company’s
Laporan Keuangan Perseroan dan Laporan Tugas Financial Statements and the Supervisory Report of the
Pengawasan Dewan Komisaris Perseroan serta Company’s Board of Commissioners as well as granting
memberikan pelunasan dan pembebasan tanggung release and discharge (acquit et decharge) to members
jawab (acquit et decharge) kepada anggota Direksi of the Board of Directors and Board of Commissioners
dan Dewan Komisaris atas tindakan pengurusan dan for the management and supervisory actions that they
pengawasan yang telah dilakukannya masing-masing have completed respectively
8. Memberi kuasa dan wewenang kepada Direksi untuk 8. Granting power and authority to the Board of Directors
menentukan dan membayar dividen final to determine and pay the final dividends
9. Mengambil keputusan-keputusan menyangkut struktur 9. Making decisions concerning the organisational
organisasi misalnya perubahan Anggaran Dasar, structure, such as amendments to the Articles of
penggabungan, peleburan, pemisahan, pembubaran Association, incorporation, consolidation, separation,
dan likuidasi Perseroan dissolution, or liquidation of the Company
10. Mengangkat dan/atau mengubah susunan anggota 10. Appointing and/or changing the membership
Direksi dan Dewan Komisaris composition of the Board of Directors and Board of
Commissioners
11. Menetapkan remunerasi yakni: penetapan gaji, 11. Determining remuneration, namely determining
tunjangan lain serta honorarium Direksi dan Dewan the salaries, other benefits, and honorarium for
Komisaris Perseroan the Company’s Board of Directors and Board of
Commissioners
12. Memberi persetujuan terhadap transaksi yang 12. Granting approval to transactions containing conflicts of
mengandung benturan kepentingan interest
13. Memberikan kuasa dan kewenangan kepada Dewan 13. Granting the power and authority to the Board of
Komisaris untuk menunjuk Kantor Akuntan Publik (KAP) Commissioners to appoint a Public Accounting Firm with
dengan memperhatikan rekomendasi dari Komite Audit regard to recommendations from the Audit Committee
14. Menetapkan Pihak yang menjadi Pengendali dari 14. Establishing the Controlling Party of a Public Company
Perusahaan Terbuka
HAK PEMEGANG SAHAM RIGHTS OF SHAREHOLDERS

BMI mengatur hak Pemegang Saham, yaitu: BMI regulates the rights of Shareholders, namely:
1. Pemegang saham dapat melakukan permintaan 1. Shareholders can make requests to hold a GMS
penyelenggaraan RUPS
2. Pemegang saham berhak memperoleh informasi 2. Shareholders are entitled to acquire information on
mata acara rapat dan bahan terkait mata acara rapat the agenda of the meeting and materials related to the
sepanjang tidak bertentangan dengan kepentingan Bank agenda as long as it does not conflict with the interests of
the Bank
2021 Annual Report
3. Menerima dividen saham dengan syarat dan ketentuan 3. Receive stock dividends on terms and conditions in
sesuai dengan keputusan RUPS accordance with the GMS decision
4. Ikut berpartisipasi dalam mengambil keputusan di 4. Participate in making decisions at the GMS based on the
dalam RUPS berdasarkan dengan syarat dan ketentuan applicable terms and conditions and the GMS Rules of
yang berlaku dan tata tertib RUPS Procedure
5. Menerima informasi mengenai tata tertib RUPS dan 5. Receive information regarding the GMS Rules and voting
prosedur voting di dalam RUPS procedures in the GMS
RUPS TAHUN 2021 GMS IN 2021

Sepanjang tahun 2021, BMI menyelenggarakan RUPS Throughout 2021, BMI held 3 (three) GMS consisting of 1
sebanyak 3 (tiga) kali yang terdiri dari 1 (Satu) kali RUPS (one) Annual GMS and 2 (two) Extraordinary GMS.
Tahunan dan 2 (dua) kali RUPS Luar Biasa.
RUPS Tahunan Annual GMS

RUPS Tahunan diselenggarakan pada 29 April 2021, pukul The Annual GMS was held on 29 April 2021, at 09.35 to 11:00
09.35 WIB sampai dengan 11:00 WIB di Ballroom BJ Habibie WIB at the BJ Habibie Ballroom – Muamalat Tower 2nd Floor,
– Muamalat Tower Lantai 2, Jalan Prof. DR. Satrio Kav. 18, Jalan Prof. DR. Satrio Kav. 18, Jakarta 12940, Indonesia.
Jakarta 12940, Indonesia.
Daftar Peserta RUPS Tahunan List of Participants in the Annual GMS

Dewan Pengawas Syariah Jabatan
Sharia Supervisory Board Position
Drs. H. Sholahudin Al Aiyub, M.Si Ketua
Chairman
Hj. Siti Haniatunnisa, LLB., MH Anggota
Member
Dewan Komisaris Jabatan
Board of Commissioners Position
Ilham Akbar Habibie Komisaris Utama Independen
President Commissioner/ Independent Commissioner
Iggi Haruman Achsien Komisaris Independen
Edy Setiadi Komisaris Independen
Direksi Jabatan
Board of Directors Position
Purnomo B. Soetadi Direktur Bisnis Ritel
Hery Syafril Direktur Keuangan
Finance Director
Andri Donny Direktur Kepatuhan, Risiko dan Hukum
Avianto Direkur Pembiayaan
Financing Director
Awaldi Direktur Operasi
Operations Director

Selain itu, turut hadir pemegang saham yang memiliki In addition, shareholders who own 9,539,851,360 (nine
9.539.851.360 (sembilan miliar lima ratus tiga puluh sembilan billion five hundred thirty nine million eight hundred fifty
juta delapan ratus lima puluh satu ribu tiga ratus enam one thousand three hundred sixty) shares or 93,4573820%
puluh) saham atau 93,4573820% (sembilan puluh tiga koma (ninety three point four five seven three eight two zero
empat lima tujuh tiga delapan dua nol persen) dari jumlah percent) of the total number of Series A and Series B shares
seluruh saham Seri A dan Seri B dengan hak suara yang telah with voting rights that have been issued by the Company, but
dikeluarkan Perseroan, namun setelah Rapat dibuka sampai after the Meeting is opened until before entering the voting
dengan sebelum memasuki pemungutan suara untuk Mata for the First Agenda there are still additional shareholders
Acara Pertama masih terdapat tambahan pemegang saham and/or proxies, making the total to 9,539,877,225 (nine
dan/atau kuasa pemegang saham yang hadir dalam Rapat billion five hundred thirty-nine million eight hundred
sehingga menjadi berjumlah 9.539.877.225 (sembilan miliar seventy-seven thousand two hundred twenty-five) shares
lima ratus tiga puluh sembilan juta delapan ratus tujuh or 93.4576353% (ninety three point four five seven six three
puluh tujuh ribu dua ratus dua puluh lima) saham atau five three percent) with total number of Series shares A and
93,4576353% (sembilan puluh tiga koma empat lima tujuh Series B with voting rights issued by the Company totaling to
enam tiga lima tiga persen) dari jumlah seluruh saham 10,207,702,335 (ten billion two hundred seven million seven
Seri A dan Seri B dengan hak suara yang telah dikeluarkan hundred two three hundred and thirty five) shares.
Perseroan yang seluruhnya berjumlah 10.207.702.335
(sepuluh miliar dua ratus tujuh juta tujuh ratus dua ribu tiga
ratus tiga puluh lima) saham.
Dengan memperhatikan Daftar Pemegang Saham Perseroan Taking into account the Company’s Shareholders Register
per tanggal 6 April 2021 sampai dengan pukul 16.00 WIB, Company as of 6 April 2021 until 16.00 WIB, therefore, the
sehingga karenanya, kuorum yang disyaratkan dalam Pasal quorum required in Article 11 paragraph (1) and Article 13
11 ayat (1) dan Pasal 13 ayat (4) Anggaran Dasar Perseroan paragraph (4) of the Company’s Articles of Association has
telah terpenuhi dan Rapat adalah sah serta berhak untuk been met and the Meeting is valid and entitled to adopt valid
mengambil keputusan yang sah dan mengikat mengenai and binding decisions regarding the matters discussed in
hal-hal yang dibicarakan sesuai dengan Mata Acara Rapat. accordance with the Meeting Agenda.
Kesempatan Mengajukan Pertanyaan dan atau Opportunity to Ask Questions and/or State
Pendapat pada Rapat Opinions at the Meeting
Dalam tiap-tiap Mata Acara RUPS telah diberikan kesempatan In each GMS Agenda, the shareholders and/or their proxies
kepada pemegang saham dan/atau kuasa pemegang saham have been provided the opportunity to ask questions and/
untuk mengajukan pertanyaan dan/atau memberikan or provide opinions/suggestions regarding the agenda of the
pendapat/usulan terkait mata acara Rapat. Meeting.
Mekanisme Pengambilan Keputusan Rapat Decision Making Mechanism at the Meeting

Pengambilan keputusan dalam RUPS selalu dilakukan Decision making in the GMS is always carried out through
melalui mekanisme musyawarah untuk mufakat. Kendati the mechanism of deliberation for consensus. However,
begitu, apabila musyawarah untuk mufakat tidak tercapai in the event that deliberation to reach a consensus is not
maka pengambilan keputusan dalam rapat dilakukan reached, the decision-making in the meeting is carried out by
dengan cara pemungutan suara (voting) secara terbuka yang means of an open voting conducted by PT Datindo Entrycom
dilakukan oleh PT Datindo Entrycom selaku Biro Administrasi as the Company’s Securities Administration Bureau.
Efek Perseroan.

2021 Annual Report
Tahapan Pelaksanaan RUPS Tahunan Implementation Stages of the Annual GMS

Hasil dan
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Keputusan
Notification Announcement Invitation Implementation Results and
Resolutions
Perseroan telah menyampaikan Pengumuman Pemanggilan Bank Muamalat Ringkasan Risalah
pemberitahuan rencana kepada pemegang kepada pemegang melaksanakan RUPS RUPS Tahunan telah
penyelenggaraan Rapat beserta saham mengenai saham mengenai Tahunan pada 29 diumumkan
Mata Acara Rapat kepada Kepala akan dilakukannya penyelenggaraan April 2021, pukul pada tanggal 3-5-
Eksekutif Pengawas Pasar Modal Pemanggilan Rapat, Rapat telah dilakukan 09.35 WIB sampai 2021 melalui 1 (satu)
melalui surat nomor 034/R/PRD-SRT/ telah dilakukan pada tanggal 7-4- dengan 11:00 WIB surat kabar harian
III/2021 dan kepada Deputi Komisioner melalui 1 (satu) 2021 melalui 1 (satu) di Ballroom BJ berbahasa Indonesia
Pengawas Perbankan III OJK melalui surat kabar harian surat kabar harian Habibie – Muamalat berperedaran
surat nomor 036/R/PRD-SRT/III/2021 berbahasa Indonesia berbahasa Indonesia Tower Lantai 2, Jalan nasional, yaitu
keduanya tertanggal 16-3-2021 berperedaran berperedaran Prof. DR. Satrio Kav. surat kabar “Harian
perihal Pemberitahuan Rencana nasional, yaitu nasional, yaitu surat 18, Jakarta 12940, Ekonomi Neraca”
Penyelenggaraan Rapat Umum surat kabar “Harian kabar “Harian Terbit” Indonesia. dan melalui Website
Pemegang -Saham Tahunan (”RUPST”) Terbit” dan melalui dan melalui Website Perseroan dalam
PT Bank Muamalat Indonesia Tbk Website Perseroan Perseroan dalam Bank Muamalat bahasa Indonesia
(”Perseroan”) dan Penyampaian Mata pada tanggal 23-3- bahasa Indonesia dan implemented the dan bahasa Inggris.
Acara RUPST Perseroan 2021 dalam bahasa bahasa Inggris Annual GMS on 29
Indonesia dan bahasa April 2021, at 09.35 The Summary of
The Company has notified the plan Inggris Invitations to WIB to 11:00 WIB Minutes of the
to hold the Meeting and the Meeting shareholders regarding at the BJ Habibie Annual GMS has been
Agenda to the Chief Executive of Announcement to the implementation Ballroom – Muamalat announced on 3-5-
the Capital Market Supervision of shareholders regarding of the Meeting have Tower 2nd Floor, 2021 through 1 (one)
OJK through the letter No. 034/R/ the Invitation to the been conducted on Jalan Prof. DR. Satrio daily newspaper
PRD-SRT/III/2021 and to the Deputy Meeting has been 7-4-2021 through 1 Kav. 18, Jakarta in Indonesian
Commissioner for Banking Supervision conducted through 1 (one) daily newspaper 12940, Indonesia. with national
III of OJK through the letter No. 036/R/ (one) daily newspaper in Indonesian with circulation, namely
PRD-SRT/ III/2021, both dated 16-3- in Indonesian with national circulation, the newspaper
2021 in the Notification of the Plan national circulation, namely the "Harian “Economic Daily
to Implement the Annual General namely the newspaper Terbit" newspaper and Balance” and
Meeting of Shareholders ("AGMS") of "Harian Terbit" and through the Company's through the
PT Bank Muamalat Indonesia Tbk (the through the Company's Website in Indonesian Company's Website
"Company") and Submission of the Website on 23-3-2021 and English. in Indonesian and
Agenda of the Company's AGMS in Indonesian and English.
English.

Keputusan dan Realisasi Resolution and Realization

Seluruh Keputusan rapat telah disahkan dalam RUPS All meeting resolution have been approved at the Annual
Tahunan tanggal 29 April 2021. GMS on 29 April 2021.
Agenda, Keputusan dan Realisasi RUPS Tahunan Agenda, Resolutions and Realization of the Annual GMS
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
Agenda Pertanyaan & Keputusan Realisasi
No. Keputusan
Agenda Pendapat/Usulan Resolution Realization
Decision Making
Number of Shareholders
Submitting Questions &
Opinions/ Suggestions
1 Persetujuan Laporan 2 (dua) pemegang Dengan pemungutan Menyetujui Laporan Tahunan Perseroan Sudah direalisasikan
Tahunan Perseroan saham mengajukan suara dengan hasil Tahun Buku 2020 termasuk Laporan pada tahun 2021
Tahun Buku 2020 pertanyaan tertulis sebagai berikut: Tugas Pengawasan Dewan Komisaris dan dan Laporan
termasuk Laporan dan 1 (satu) pemegang a. Jumlah saham Dewan Pengawas Syariah untuk Tahun Tahunan Perseroan
Tugas Pengawasan saham menyampaikan yang setuju : Buku 2020 dan mengesahkan Laporan telah disampaikan
Dewan Komisaris pendapat/usulan tertulis 9.029.555.590 Keuangan Perseroan untuk Tahun Buku kepada OJK melalui
dan Dewan saham atau 2020. Selanjutnya dengan telah disetujuinya surat
Pengawas Syariah 94,6506478% dari Laporan Tahunan Perseroan Tahun No. 053/B/PRD-SRT/
untuk Tahun Buku jumlah saham IV/2021 dan No.
2020 serta yang hadir. Buku 2020 termasuk Laporan Tugas 054/B/PRD-SRT/
pengesahan Laporan b. Jumlah saham Pengawasan Dewan Komisaris dan Dewan IV/2021 tanggal 7
Keuangan Perseroan yang tidak setuju: Pengawas Syariah untuk Tahun Buku 2020 April 2021 kepada
untuk Tahun Buku 510.321.635 serta disahkannya Laporan Keuangan pihak-pihak terkait
2020 saham atau Perseroan untuk Tahun Buku 2020, maka dan kepada
5,3493522% dari berarti Rapat telah memberikan pelunasan lembaga-lembaga
jumlah saham dan pembebasan tanggung jawab terkait
yang hadir. sepenuhnya (volledig acquit et de charge)
kepada anggota Direksi, Dewan Komisaris
dan Dewan Pengawas Syariah Perseroan
atas tindakan pengurusan dan pengawasan
Perseroan yang telah dijalankan selama
Tahun Buku 2020, sepanjang tindakan
tersebut tercermin dari Laporan Tahunan
dan Laporan Keuangan Perseroan Tahun
Buku 2020 serta bukan merupakan tindak
pidana atau pelanggaran terhadap ketentuan
peraturan perundang-undangan yang berlaku.
Approval on the 2 (two) shareholders By voting with the Approve the Company’s Annual Report for Has been realized
Company’s Annual submitted written following results: the 2020 Fiscal Year including the Supervisory in 2021 and the
Report for the 2020 questions and 1 (one) a. Number of shares Report of the Board of Commissioners Company’s Annual
Fiscal Year including shareholder submitted that agreed: and the Sharia Supervisory Board for the Report has been
the Supervisory written opinions/ 9,029.555,590 2020 Fiscal Year and ratified the Company’s submitted to FSA
Report of the Board suggestions shares or Financial Statements for the 2020 Fiscal Year. through the letter
of Commissioners 94.6506478% of No. 053/B/PRD-SRT/
and the Sharia the total shares Furthermore, with the approval of the IV/2021 and No.
Supervisory Board present. Company’s Annual Report for the 2020 054/B/PRD-SRT/
for the 2020 Fiscal b. Number of shares Fiscal Year including the Supervisory Report IV/2021 dated
Year and ratification that disagree: of the Board of Commissioners and the 7 April 2021 to
of the Company’s 510,321,635 Sharia Supervisory Board for the 2020 Fiscal related parties and
Financial Statements shares or Year and the ratification of the Company’s institutions
for the 2019 Fiscal 5.3493522% of Financial Statements for the 2020 Fiscal Year,
Year the total shares the Meeting has granted full release and
present discharge (volledig acquit et de charge) to
members of the Board of Directors, Board
of Commissioners and Sharia Supervisory
Board of the Company for management and
supervision of the Company that have been
carried out during the 2020 Fiscal Year, as
long as these actions are reflected in the
Company’s Annual Report and Financial
Statements for the 2020 Fiscal Year and
are not a criminal act or a violation of
the provisions of the prevailing laws and
regulations
2 Persetujuan tidak terdapat pemegang Dengan Menyetujui laba bersih Perseroan untuk Sudah direalisasikan
Penggunaan Laba saham yang mengajukan musyawarah Tahun Buku 2020 setelah pajak sebesar pada tahun 2021
Bersih Perseroan pertanyaan maupun, untuk mufakat Rp10.019.739.277 (sepuluh miliar sembilan dan Laba bersih
untuk Tahun Buku menyampaikan belas juta tujuh ratus tiga puluh sembilan Perseroan untuk
2020 pendapat/usulan ribu dua ratus tujuh puluh tujuh Rupiah) Tahun Buku 2021
seluruhnya dipergunakan untuk cadangan tidak dibagikan
Perseroan, sehingga tidak diadakan dan dipergunakan
pembagian dividen atas laba bersih Perseroan untuk cadangan
Tahun Buku 2020. Perseroan
Approval for the Use There were no Deliberation to reach Approved the Company’s net profit for the Has been realized
of the Company’s shareholders who a consensus fiscal year 2020 after tax in the amount of in 2021 and the
Net Profit for Fiscal submitted questions, Rp10,019,739,277 (ten billion nineteen million Company’s Net Profit
Year 2020 opinions/ suggestions seven hundred thirty-nine thousand two for the Fiscal Year
hundred and seventy-seven Rupiah) entirely 2021 shall not be
used for the Company’s reserves, thus, no distributed and used
dividend was distributed on the Company’s in its entirety for the
net income for Fiscal Year 2020. Company’s reserves

2021 Annual Report
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
3 Penunjukan Kantor tidak terdapat pemegang Dengan Menyetujui untuk memberikan kewenangan Sudah direalisasikan
Akuntan Publik saham yang mengajukan musyawarah kepada Dewan Komisaris Perseroan untuk pada tahun
untuk melakukan pertanyaan maupun, untuk mufakat menunjuk, mengakhiri dan/atau mengganti 2021 dan Dewan
audit Laporan menyampaikan Kantor Akuntan Publik untuk mengaudit Komisaris telah
Keuangan Perseroan pendapat/usulan Laporan Keuangan Perseroan Tahun Buku menunjuk Kantor
Tahun Buku 2021 2021 dan/atau audit lain yang dibutuhkan Akuntan Publik
dan audit lain Perseroan serta menetapkan jumlah untuk mengaudit
yang dibutuhkan honorarium dan persyaratan lainnya yang Laporan Keuangan
Perseroan wajar bagi Kantor Akuntan Publik tersebut. Perseroan Tahun
Pemberian kewenangan kepada Dewan Buku 2021
Komisaris Perseroan tersebut diusulkan untuk berdasarkan
efektifitas proses penunjukan, pengakhiran, rekomendasi dari
dan/atau penggantian Kantor Akuntan Publik Komite Audit.
yang sesuai dengan kondisi Perseroan Penunjukan
dan akan dilaksanakan dengan kriteria berdasarkan surat
atau batasan yang dianggap sesuai oleh Dewan Komisaris
Dewan Komisaris Perseroan dengan kondisi tanggal 30
Perseroan. November 2021 dan
telah dilaporkan
kepada OJK
melalui surat No.
207/B/FND-SRT/
XII/2021 tanggal 13
Desember 2021.
Appointment of a There were no Deliberation to reach Approve granting the authority to the Has been realized in
Public Accountant shareholders who a consensus Company’s Board of Commissioners to 2021 and the Board
Office to audit the submitted questions, appoint, dismiss, and/or replace the Public of Commissioners
Company’s Financial opinions/ suggestions Accountant Firm to audit the Company’s has appointed a
Statements for the Financial Statements for 2021 Fiscal Year and/ Public Accounting
2021 Fiscal Year or other audits required by the Company Firm to audit the
and other audits and determining the appropriate amount Company’s Financial
required by the of honorarium and other appointment Statements for
Company requirements for the appointed Public the 2021 Fiscal
Accounting Firm. The granting of authority to Year based on
the Board of Commissioners of the Company recommendations
is proposed for the effectiveness of the from the Audit
process of appointing, termination and/or Committee. The
replacement of the Public Accountant Firm appointment was
in accordance with the conditions of the based on a letter
Company to be implemented with criteria of the Board of
or limits deemed appropriate by the Board Commissioners
of Commissioners of the Company with the dated 30 November
conditions of the Company 2021 and has been
reported to the FSA
through letter No.
207/B/FND-SRT/
XII/2021 dated 13
December 2021
4 Persetujuan tidak terdapat pemegang Dengan Menyetujui dan memberikan kewenangan Transaksi dengan
tindakan penjaminan saham yang mengajukan musyawarah kepada Direksi Perseroan untuk melakukan PT Sarana Multigriya
aset Perseroan pertanyaan maupun, untuk mufakat tindakan penjaminan aset Perseroan sebagai Finansial telah
sebagai jaminan menyampaikan jaminan utang Perseroan atau pihak lain atas direalisasikan
utang Perseroan pendapat/usulan fasilitas pembiayaan yang akan diberikan
atau pihak lain atas oleh PT Sarana Multigriya Finansial dan/atau
fasilitas pembiayaan pihak lain
yang akan diberikan
oleh PT Sarana
Multigriya Finansial
dan/atau pihak lain
Approval of actions There were no Deliberation to reach Approve and authorize the Company’s Board The transaction with
to guarantee the shareholders who a consensus of Directors to take actions to guarantee PT Sarana Multigriya
Company’s assets submitted questions, the Company’s assets as collateral for the Finansial has been
as collateral for opinions/ suggestions debt of the Company or other parties for the realized
the debts of the financing facilities to be provided by PT Sarana
Company or other Multigriya Finansial and/or other parties
parties for the
financing facilities to
be provided by PT
Sarana Multigriya
Finansial and/or
other parties

Alasan Belum Terealisasinya Keputusan Reason for Unrealized Resolution

Seluruh hasil keputusan RUPS Tahunan tanggal 29 April 2021 All resolutions of the Annual GMS on 29 April 2021 have been
telah direalisasikan pada tahun 2021. realized in 2021.
RUPS Luar Biasa Pertama First Extraordinary GMS

RUPS Luar Biasa Pertama diselenggarakan pada 29 April The First Extraordinary GMS was held on 29 April 2021, at
2021, pukul 11.15 WIB sampai dengan 12.38 WIB di Ballroom 11.15 to 12.38 WIB at the BJ Habibie Ballroom – Muamalat
BJ Habibie – Muamalat Tower Lantai 2, Jalan Prof. DR. Satrio Tower 2nd Floor, Jalan Prof. DR. Satrio Kav. 18, Jakarta 12940,
Kav. 18, Jakarta 12940, Indonesia. Indonesia.
Peserta RUPS Luar Biasa Pertama Participants in the First Extraordinary GMS
Chairman
Hj. Siti Haniatunnisa, LLB., MH Anggota
Member
Direksi Jabatan
Finance Director
Financing Director
Operations Director
Selain itu, turut hadir pemegang saham yang memiliki In addition, the shareholders who own 9,539,874,575
9.539.874.575 (sembilan miliar lima ratus tiga puluh (nine billion five hundred thirty-nine million eight hundred
sembilan juta delapan ratus tujuh puluh empat ribu lima seventy-four thousand five hundred seventy-five) shares
ratus tujuh puluh lima) saham atau 93,4576094% (sembilan or 93.4576094% (ninety-three point four five seven six zero
puluh tiga koma empat lima tujuh enam nol sembilan empat nine four percent) of the total number of Series A and Series
persen) dari jumlah seluruh saham Seri A dan Seri B dengan B shares with voting rights issued by the Company totaling
hak suara yang telah dikeluarkan Perseroan yang seluruhnya 10,207,702,335 (ten billion two hundred seven million seven
berjumlah 10.207.702.335 (sepuluh miliar dua ratus tujuh hundred two thousand three hundred thirty-five) shares also
juta tujuh ratus dua ribu tiga ratus tiga puluh lima) saham. attended the meeting.
Dengan memperhatikan Daftar Pemegang Saham Perseroan Taking into account the Company’s Shareholders Register
per tanggal 6 April 2021 sampai dengan pukul 16.00 WIB, Company as of 6 April 2021 until 16.00 WIB, therefore, the
sehingga karenanya, kuorum yang disyaratkan dalam Pasal quorum required in Article 11 paragraph (1) and Article 13
11 ayat (1) dan Pasal 13 ayat (4) Anggaran Dasar Perseroan paragraph (4) of the Company’s Articles of Association has
telah terpenuhi dan Rapat adalah sah serta berhak untuk been met and the Meeting is valid and entitled to adopt valid
mengambil keputusan yang sah dan mengikat mengenai and binding decisions regarding the matters discussed in
hal-hal yang dibicarakan sesuai dengan Mata Acara Rapat. accordance with the Meeting Agenda.

2021 Annual Report
Tahapan Pelaksanaan RUPS Luar Biasa Pertama Implementation Stages of the First Extraordinary GMS
Hasil dan
Resolutions
Perseroan telah menyampaikan Pengumuman Pemanggilan Bank Muamalat Ringkasan Risalah
pemberitahuan rencana kepada pemegang kepada pemegang melaksanakan RUPS RUPS Luar Biasa telah
penyelenggaraan Rapat beserta saham mengenai saham mengenai Luar Biasa pada 29 diumumkan
Mata Acara Rapat kepada Kepala akan dilakukannya penyelenggaraan April 2021, pukul pada tanggal 3
Eksekutif Pengawas Pasar Modal Pemanggilan Rapat, Rapat telah dilakukan 11.15 WIB sampai Mei 2021 1 (satu)
melalui surat nomor 035/R/PRD-SRT/ telah dilakukan pada tanggal 7-4- dengan 12.38 WIB di surat kabar harian
III/2021 dan kepada Deputi Komisioner melalui 1 (satu) 2021 melalui 1 (satu) Ballroom BJ Habibie berbahasa Indonesia
Pengawas Perbankan III OJK melalui surat kabar harian surat kabar harian Muamalat Tower berperedaran
surat nomor 037/R/PRD-SRT/III/2021 berbahasa Indonesia berbahasa Indonesia Lantai 2, Jalan Prof. nasional, yaitu
keduanya tertanggal 16-3-2021 berperedaran berperedaran DR. Satrio Kav. surat kabar “Harian
perihal Pemberitahuan Rencana nasional, yaitu nasional, yaitu surat 18, Jakarta 12940, Ekonomi Neraca”
Penyelenggaraan Rapat Umum surat kabar “Harian kabar “Harian Terbit” Indonesia. dan melalui Website
Pemegang Saham Luar Biasa (”RUPSLB”) Terbit” dan melalui dan melalui Website Perseroan dalam
PT Bank Muamalat Indonesia Tbk Website Perseroan Perseroan dalam Bank Muamalat held bahasa Indonesia
(”Perseroan”) dan Penyampaian Mata pada tanggal 23-3- bahasa Indonesia dan the Extraordinary dan bahasa Inggris.
Acara RUPSLB Perseroan 2021 dalam bahasa bahasa Inggris GMS on 29 April
Indonesia dan bahasa 2021, at 11.15 to Summary of Minutes
The Company has notified the plan Inggris Invitations to 12.38 WIB at the of the Extraordinary
to hold the Meeting along with the shareholders regarding Ballroom BJ Habibie GMS has been
Meeting Agenda to the Chief Executive Announcement to the implementation Muamalat Tower 2nd announced on 3
of the Capital Market Supervision shareholders regarding of the Meeting have Floor, Jalan Prof. DR. May 2021 in 1 (one)
of OJK through the letter No. 035/R/ the Invitation to the been conducted on Satrio Kav. 18, Jakarta daily newspaper
PRD-SRT/III/2021 and to the Deputy Meeting has been 7-4-2021 through 1 12940, Indonesia. in Indonesian
Commissioner for Banking Supervision conducted through 1 (one) daily newspaper with national
III of OJK through the letter No. 037/R/ (one) daily newspaper in Indonesian with circulation, namely
PRD-SRT/ III/2021, both dated 16-3-2021 in Indonesian with national circulation, the newspaper
regarding the Notification of the Plan national circulation, namely the “Harian “Economic Daily
to Organize the Extraordinary General namely the newspaper Terbit” newspaper and Balance” and
Meeting of Shareholders (“EGMS”) of “Harian Terbit” and through the Company’s through the
PT Bank Muamalat Indonesia Tbk (the through the Company’s Website in Indonesian Company’s Website,
“Company”) and Submission of the Website on 23-3-2021 and English. in Indonesian and
Company’s EGMS Agenda in Indonesian and English
English.
Selain itu, Keterbukaan Informasi sehubungan dengan In addition, the Disclosure of Information in relation to
rencana Perseroan untuk melakukan penambahan modal the Company’s plan to increase capital through a Limited
melalui Penawaran Umum Terbatas dengan memberikan Public Offering by granting Pre-emptive Rights has been
Hak Memesan Efek Terlebih Dahulu telah dilaksanakan implemented in accordance with the provisions of Article 15
sesuai dengan ketentuan Pasal 15 Peraturan OJK Nomor of FSA Regulation No. 32/POJK.04/2015 on Increase of Public
32/POJK.04/2015 tentang Penambahan Modal Perusahaan Company Capital by Granting Pre-emptive Rights as amended
Terbuka dengan Memberikan Hak Memesan Efek Terlebih by FSA Regulation No. 14/POJK.04.2019 on Amendments to
Dahulu sebagaimana diubah dengan Peraturan OJK Nomor FSA Regulation No. 32/POJK.04/2015 on Increase of Public
14/POJK.04.2019 tentang Perubahan atas Peraturan OJK Company Capital of by Granting Pre-emptive Rights through
Nomor 32/POJK.04/2015 tentang Penambahan Modal Indonesian language daily newspapers, namely “Daily
Perusahaan Terbuka dengan Memberikan Hak Memesan Published” and through the Company’s Website on 23-3-
Efek Terlebih Dahulu melalui surat kabar harian berbahasa 2021, in Indonesian and English.
Indonesia, yaitu “Harian Terbit” dan melalui Website
Perseroan pada tanggal 23-3-2021 dalam bahasa Indonesia
dan bahasa Inggris.
Keputusan dan Realisasi Resolutions and Realization

Seluruh Keputusan rapat telah disahkan dalam RUPS Luar All meeting resolutions have been approved in the First
Biasa Pertama tanggal 29 April 2021. Extraordinary GMS on 29 April 2021.

Agenda, Keputusan dan Realisasi RUPS Luar Biasa Agenda, Resolution, and Realization of the First
Pertama Extraordinary GMS
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
1 Persetujuan Rencana 3 (tiga) pemegang saham Dengan pemungutan 1. Menyetujui pelaksanaan a. Transaksi
Perseroan atas mengajukan pertanyaan suara dengan hasil RangkaianTransaksi sebagai berikut: Penjualan Aset,
rangkaian transaksi tertulis sebagai berikut: a. Penjualan Aset Perseroan berupa b. Transaksi
yang terdiri dari : a. Jumlah saham pembiayaan pada nilai buku (at par), Pembelian Surat
a. Transaksi yang setuju: sampai dengan Rp10 triliun (sepuluh Berharga, dan
Penjualan Aset, 9.029.552.940 triliun Rupiah); c. Transaksi
b. Transaksi saham atau b. Pembelian surat berharga berupa Sukuk Penerbitan
Pembelian Surat 94,6506463% dari dengan nilai nominal senilai Rp13,1 Sukuk/Pinjaman
Berharga, dan jumlah saham triliun (tiga belas koma satu triliun Syariah telah
c. Transaksi yang hadir. Rupiah) dan tenor selama 20 (dua puluh) direalisasikan
Penerbitan b. Jumlah saham tahun; dan pada tanggal 15
Sukuk/Pinjaman yang tidak setuju: c. Penerbitan surat berharga berupa Sukuk November 2021.
Syariah 510.321.635 atau transaksi fasilitas pembiayaan
saham atau senilai Rp2,4 triliun (dua koma empat
5,3493537% dari triliun Rupiah) dengan tenor selama 20
jumlah saham (dua puluh) tahun.
yang hadir. 2. Memberikan kewenangan kepada Direksi
Perseroan untuk melaksanakan Transaksi
dan segala tindakan yang dianggap perlu
dalam melaksanakan Transaksi.
Approval of the 3 (three) shareholders By voting with the 1. Approved the implementation of the a. Asset Sale
Company’s Plan submitted written following results: following Series of Transaction Transaction
for a series of questions a. Number of shares a. Sales of the Company’s Assets in the b. Purchase of
transactions that agreed: form of financing at book value (at par), Securities
consisting of: 9,029,552,940 up to Rp10 trillion (ten trillion Rupiah) Transaction, and
a. Asset Sale shares or b. Purchase of securities in the form of c. Issuance
Transaction 94.6506463% of Sukuk with a nominal value of Rp. of Sukuk/
b. Purchase of the total shares 13.1 trillion (thirteen point one trillion Sharia Loans
Securities present. Rupiah) and a tenor of 20 (twenty) years; Transactions have
Transaction, and b. Number of shares and been realized on
c. Issuance of that disagree: c. Issuance of securities in the form 15 November
Sukuk/ Sharia 510,321,635 of Sukuk or transaction of financing 2021.
Loans Transaction shares or facilities in the amount of Rp2.4 trillion
5.3493537% of (two point four trillion Rupiah) with a
the total shares tenor of 20 (twenty) years
present. 2. Granting the authority to the Board of
Directors of the Company to carry out
the Transaction and all actions deemed
necessary in carrying out the Transaction
2 Persetujuan Rencana 4 (empat) pemegang Dengan pemungutan Menyetujui untuk melakukan pembahasan Pembahasan dan
Penawaran Umum saham mengajukan suara dengan hasil dan persetujuan atas rencana PUT VI pada persetujuan atas
Terbatas VI dengan pertanyaan tertulis sebagai berikut: RUPS selanjutnya rencana PUT VI telah
Memberikan Hak dan 1 (satu) pemegang a. Jumlah saham dilakukan pada
Memesan Efek saham menyampaikan yang setuju : RUPSLB tanggal 30
Terlebih Dahulu pendapat/usulan tertulis 9.029.552.940 Agustus 2021.
(HMETD). saham atau
94,6506463% dari
jumlah saham
yang hadir.
b. Jumlah saham
yang tidak setuju:
510.321.635
saham atau
5,3493537% dari
jumlah saham
yang hadir.
Approval of Plan 4 (four) shareholders By voting with the Approved to discuss and approve the The discussion and
for Limited Public submitted written following results: proposed PUT VI at the next GMS approval of the
Offering VI by questions and 1 (one) a. Number of shares proposed PUT VI was
Granting Pre- shareholder submitted that agreed: carried out at the
emptive Rights written opinions/ 9,029,552,940 EGMS on 30 August
(HMETD). suggestions shares or 2021.
94.6506463% of
the total shares
present.
b. Number of shares
that disagree:
510,321,635
shares or
5.3493537% of
the total shares
present.

2021 Annual Report
Alasan Belum Terealisasinya Keputusan Reason for Unrealized Resolution

Seluruh hasil keputusan RUPS Luar Biasa Pertama tanggal 29 All resolutions of the First Extraordinary GMS on 29 April
April 2021 telah direalisasikan pada tahun 2021. 2021 have been realized in 2021.
RUPS Luar Biasa Kedua Second Extraordinary GMS

RUPS Luar Biasa kedua diselenggarakan pada 30 Agustus The second Extraordinary GMS was held on 30 August 2021,
2021, pukul 16.17 WIB sd 18.25 WIB di Ballroom BJ Habibie at 16.17 to 18.25 WIB at the BJ Habibie Ballroom – Muamalat
– Muamalat Tower Lantai 2, Jalan Prof. DR. Satrio Kav. 18, Tower 2nd Floor, Jalan Prof. DR. Satrio Kav. 18, Jakarta 12940,
Jakarta 12940, Indonesia. Indonesia.
Peserta RUPS Luar Biasa Kedua Participants in the Second Extraordinary GMS
Chairman
Direksi Jabatan
Achmad Kusna Permana Direktur Utama
President Director
Finance Director
Financing Director
Operation Director
Selain itu, turut hadir pemegang saham yang memiliki In addition, shareholders who owned 8,697,173,542 (eight
8.697.173.542 (delapan miliar enam ratus sembilan puluh billion six hundred ninety-seven million one hundred
tujuh juta seratus tujuh puluh tiga ribu lima ratus empat seventy-three thousand five hundred forty-two) shares or
puluh dua) saham atau 85,2020686% (delapan puluh lima 85.2020686% (eighty five point two zero two zero six eight
koma dua nol dua nol enam delapan enam persen) dari six percent) of the total number of Series A and Series B
jumlah seluruh saham Seri A dan Seri B dengan hak suara shares with voting rights that have been issued by the
yang telah dikeluarkan Perseroan, namun setelah Rapat Company, however, after the Meeting was opened until prior
dibuka sampai dengan sebelum memasuki pemungutan to entering the voting for the First Agenda, there were still
suara untuk Mata Acara Pertama masih terdapat additional shareholders and/or proxies of shareholders who
tambahan pemegang saham dan/atau kuasa pemegang attended the Meeting, bringing the total to 8,697.188,957
saham yang hadir dalam Rapat sehingga menjadi berjumlah (eight billion six hundred ninety-seven million one hundred
8.697.188.957 (delapan miliar enam ratus sembilan puluh eighty-eight thousand nine hundred fifty-seven) shares or
tujuh juta seratus delapan puluh delapan ribu sembilan 85.2022196% (eighty-five point two zero two two one nine
ratus lima puluh tujuh) saham atau 85,2022196% (delapan six percent) of the total number of Series A and Series B
puluh lima koma dua nol dua dua satu Sembilan enam shares with voting rights issued by the Company totaling
persen) dari jumlah seluruh saham Seri A dan Seri B dengan 10,207,702,335 (ten billion two hundred seven million seven
hak suara yang telah dikeluarkan Perseroan yang seluruhnya hundred two thousand three hundred thirty-five) shares.
berjumlah 10.207.702.335 (sepuluh miliar dua ratus tujuh
juta tujuh ratus dua ribu tiga ratus tiga puluh lima) saham.

Dengan memperhatikan Daftar Pemegang Saham Taking into account the Company’s Shareholders Register
Perseroan per tanggal 5 Agustus 2021 sampai dengan pukul Company as as of 5 August 2021 until 16.00 WIB, therefore,
16.00 WIB, sehingga karenanya, kuorum yang disyaratkan the quorum required in Article 41 paragraph 1 and Article 42
dalam Pasal 41 ayat 1 dan Pasal 42 Peraturan Otoritas Jasa of the Regulation of the Financial Services Authority (“POJK”)
Keuangan (“POJK”) No. 15/POJK.04/2020 tentang Rencana No. 15/POJK.04/2020 on the Plan and Implementation of
Dan Penyelenggaraan Rapat Umum Pemegang Saham General Meeting of Shareholders of Public Companies and
Perusahaan Terbuka dan Pasal 11 ayat (1) dan Pasal 11 ayat Article 11 paragraph (1) and Article 11 paragraph (2) of the
(2) Anggaran Dasar Perseroan telah terpenuhi dan Rapat Company’s Articles of Association have been met and the
adalah sah serta berhak untuk mengambil keputusan yang Meeting is valid and has the right to take legal and binding
sah dan mengikat mengenai hal-hal yang dibicarakan sesuai decisions regarding matters discussed in accordance with
dengan Mata Acara Rapat. the Meeting Agenda.
Tahapan Pelaksanaan RUPS Luar Biasa Kedua Implementation Stages of the Second Extraordinary GMS
Hasil dan
Resolutions
Perseroan telah menyampaikan Pengumuman Pemanggilan kepada Bank Muamalat Ringkasan Risalah
pemberitahuan rencana kepada pemegang pemegang saham mengenai melaksanakan RUPS Luar Biasa
penyelenggaraan Rapat beserta Mata saham mengenai penyelenggaraan Rapat telah RUPS Luar Biasa telah diumumkan
Acara Rapat kepada Kepala Eksekutif akan dilakukannya dilakukan pada tanggal 8-7-2021 pada 30 Agustus pada tanggal
Pengawas Pasar Modal melalui surat Pemanggilan melalui 1 (satu) surat kabar 2021, pukul 16.17 1-9-2021 melalui 1
nomor 099/R/PRD-SRT/V/2021 dan Rapat, telah harian berbahasa Indonesia WIB sd 18.25 (satu) surat kabar
kepada Deputi Komisioner Pengawas dilakukan melalui berperedaran nasional, yaitu surat WIB di Ballroom harian berbahasa
Perbankan III Otoritas Jasa Keuangan 1 (satu) surat kabar kabar “Harian Ekonomi Neraca” BJ Habibie Indonesia
(“OJK”) melalui surat nomor 098/R/ harian berbahasa dan melalui Website Perseroan Muamalat Tower berperedaran
PRD-SRT/V/2021 keduanya tertanggal Indonesia dalam bahasa Indonesia dan Lantai 2, Jalan nasional, yaitu
11-5-2021 perihal Pemberitahuan berperedaran bahasa Inggris. Prof. DR. Satrio surat kabar “Harian
Rencana Penyelenggaraan Rapat nasional, yaitu Kav. 18, Jakarta Ekonomi Neraca”
Umum Pemegang Saham Luar surat kabar Pengumuman Penundaan kepada 12940, Indonesia. dan melalui Website
Biasa (”RUPSLB”) PT Bank Muamalat “Harian Terbit” dan pemegang saham mengenai Perseroan dalam
Indonesia Tbk (”Perseroan”) dan melalui Website penyelenggaraan Rapat telah bahasa Indonesia
Penyampaian Mata Acara RUPSLB Perseroan pada dilakukan pada tanggal 29-7- dan bahasa Inggris
Perseroan tanggal 23-6-2021 2021 melalui 1 (satu) surat kabar
dalam bahasa harian berbahasa Indonesia
Perseroan telah menyampaikan Indonesia dan berperedaran nasional, yaitu surat
Pemberitahuan perubahan mata bahasa Inggris. kabar “Harian Ekonomi Neraca”
acara Rapat telah disampaikan dan melalui Website Perseroan
kepada Kepala Eksekutif Pengawas dalam bahasa Indonesia dan
Pasar Modal OJK sesuai dengan bahasa Inggris.
ketentuan Pasal 13 ayat (3) POJK
15/2020 melalui Surat Nomor 126/R/ Pemanggilan kepada
PRD-SRT/VII/2021 dan kepada Deputi pemegang saham mengenai
Komisioner Pengawas Perbankan III penyelenggaraan Rapat telah
OJK melalui Surat Nomor 127/R/PRD- dilakukan pada tanggal 6-8-2021
SRT/VII/2021 keduanya tertanggal 7-7- melalui 1 (satu) surat kabar
2021 perihal Perubahan Mata Acara harian berbahasa Indonesia
Rapat Umum -Pemegang Saham Luar berperedaran nasional, yaitu surat
Biasa (“RUPSLB”) PT Bank Muamalat kabar “Harian Ekonomi Neraca”
Indonesia Tbk (“Perseroan”) dan melalui Website Perseroan
dalam bahasa Indonesia dan
bahasa Inggris

2021 Annual Report
Hasil dan
Resolutions
The Company has notified the plan Announcement Invitation to shareholders Bank Muamalat 1 (one) daily
to hold the Meeting and the Meeting to shareholders regarding the implementation of held the newspaper in
Agenda to the Chief Executive of regarding the the Meeting has been conducted Extraordinary Indonesian
the Capital Market Supervision invitation to the on 8-7-2021 through 1 (one) GMS on 30 with national
of OJK through letter No. 099/R/ Meeting has daily newspaper in Indonesian August 2021, circulation, namely
PRD-SRT/V/2021 and to the Deputy been conducted with national circulation, namely at 16.17 to the newspaper
Commissioner for Banking Supervision through 1 (one) the newspaper “Economic 18.25 WIB at “Economic Daily
III of the Financial Services Authority daily newspaper Daily Balance” and through the the Ballroom Balance” and
(“OJK”) through letter No. 098 /R/ in Indonesian Company’s Website, in Indonesian BJ Habibie through the
PRD-SRT/V/2021, both dated 11-5- with national and English. Muamalat Tower Company’s Website,
2021 on Notification of the Plan to circulation, namely 2nd Floor, Jalan in Indonesian and
Implement the Extraordinary General the newspaper Announcement of the Prof. DR. Satrio English
Meeting of Shareholders (“EGMS”) of “Harian Terbit” postponement to shareholders Kav. 18, Jakarta
PT Bank Muamalat Indonesia Tbk (the and through regarding the implementation of 12940, Indonesia.
“Company”) and Submission of the the Company’s the Meeting has been conducted
Company’s EGMS Agenda Website on on 29-7-2021 through 1 (one)
23-6-2021, in daily newspaper in Indonesian
The Company has submitted Indonesian and with national circulation, namely
notification of changes to the agenda English. the newspaper “Economic
of the Meeting, which has been Daily Balance” and through the
submitted to the Chief Executive of Company’s Website, in Indonesian
Capital Market Supervision of FSA and English.
in accordance with the provisions
of Article 13 paragraph (3) of POJK Invitation to shareholders
15/2020 through Letter No. 126/R/ regarding the implementation of
PRD-SRT/VII/2021 and to the Deputy the Meeting has been conducted
Commissioner for Banking Supervision on 6-8-2021 through 1 (one)
III of OJK through Letter No. 127/R/ daily newspaper in Indonesian
PRD-SRT/VII/2021, both dated 7-7- with national circulation, namely
2021 on Changes in the Agenda for the newspaper “Economic
the Extraordinary General Meeting Daily Balance” and through the
of Shareholders (“EGMS”) of PT Company’s Website, in Indonesian
Bank Muamalat Indonesia Tbk (the and English.
“Company”)
Selain itu, Keterbukaan Informasi kepada Pemegang Saham In addition, the Disclosure of Information to Shareholders
dalam Rangka Penambahan Modal dengan Memberikan Hak in the Context of Capital Increase by Granting Pre-emptive
Memesan Efek Terlebih Dahulu (PMHMETD) Perseroan telah Rights (PMHMETD) of the Company has been carried out in
dilaksanakan sesuai dengan ketentuan Pasal 15 Peraturan accordance with the provisions of Article 15 of FSA Regulation
OJK Nomor 32/POJK.04/2015 tentang Penambahan Modal No. 32/POJK.04/2015 on Increase of Capital of a Public
Perusahaan Terbuka dengan Memberikan Hak Memesan Efek Company by Granting Pre-emptive Rights, as amended by
Terlebih Dahulu sebagaimana diubah dengan Peraturan OJK FSA Regulation No. 14/POJK.04.2019 on Amendment to FSA
Nomor 14/POJK.04.2019 tentang Perubahan atas Peraturan Regulation No. 32/POJK.04/2015 on Increase of Capital of
OJK Nomor 32/POJK.04/2015 tentang Penambahan Modal Public Company by Granting Pre-emptive Rights through
Perusahaan Terbuka dengan Memberikan Hak Memesan Indonesian language daily newspapers, namely “Harian
Efek Terlebih Dahulu melalui surat kabar harian berbahasa Terbit” and through the Company’s website on 23-6-2021, in
Indonesia, yaitu “Harian Terbit” dan melalui website Indonesian and English, as well as Changes in Disclosure of
Perseroan pada tanggal 23-6-2021 dalam bahasa Indonesia Information to Shareholders in the context of Rights Issue
dan bahasa -Inggris, serta Perubahan Keterbukaan Informasi in the Indonesian language daily newspaper, namely “Harian
kepada Pemegang Saham dalam rangka PMHMETD dalam Terbit” and through the Company’s website on 25-8-2021, in
surat kabar harian berbahasa Indonesia, yaitu “Harian Indonesian and English.
Terbit” dan melalui website Perseroan pada tanggal 25-8-
2021 dalam bahasa Indonesia dan bahasa Inggris.

Seluruh Keputusan rapat telah disahkan dalam RUPS Luar Seluruh Keputusan rapat telah disahkan dalam RUPS Luar
Biasa Kedua tanggal 30 Agustus 2021. Biasa Kedua tanggal 30 Agustus 2021.

Agenda, Keputusan dan Realisasi RUPS Luar Biasa Kedua Agenda, Resolution, and Realization of the Second
Extraordinary GMS
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
1 Perubahan 1 (satu) pemegang Dengan 1. Menyetujui perubahan Anggaran Dasar Perubahan Anggaran
Anggaran Dasar saham menyampaikan musyawarah Perseroan tentang Modal Dasar dan Nilai Dasar Perseroan
Perseroan pendapat/usulan tertulis untuk mufakat Nominal saham Perseroan sehingga untuk telah direalisaskan
selanjutnya pada Pasal 4 ayat 1 berbunyi dan dan dituangkan
harus dibaca sebagai berikut: Modal dasar dalam Akta No. 51
Perseroan berjumlah Rp5.600.000.000.000 tanggal 30 Agustus
(lima triliun enam ratus miliar rupiah), yang 2021 dibuat di
terbagi atas 83.173.350.825 (delapan puluh hadapan Notaris
tiga miliar seratus tujuh puluh tiga juta tiga Ashoya Ratam,
ratus lima puluh ribu delapan ratus dua puluh S.H. M.Kn, dan
lima) saham, yang terdiri dari: telah memperoleh
a. Sejumlah 826.649.175 (delapan ratus persetujuan dari
dua puluh enam juta enam ratus empat Menteri Hukum
puluh sembilan ribu seratus tujuh puluh dan Hak Asasi
lima) Saham Seri A masing-masing Manusia Republik
dengan nilai nominal Rp200,- (dua ratus Indonesia sesuai
Rupiah) atau seluruhnya bernilai nominal Surat Keputusannya
Rp165.329.835.000 (seratus enam puluh tertanggal 25
lima miliar tiga ratus dua puluh sembilan September 2021
juta delapan ratus tiga puluh lima ribu No. AHU-0052441.
Rupiah); AH.01.02. Tahun
b. Sejumlah 42.346.701.650 (empat puluh 2021 serta
dua miliar tiga ratus empat puluh enam pemberitahuan atas
juta tujuh ratus satu ribu enam ratus perubahan anggaran
lima puluh) Saham Seri B masing-masing dasarnya telah
dengan nilai nominal Rp100 (seratus diterima dan dicatat
Rupiah) atau seluruhnya bernilai nominal oleh Menteri Hukum
Rp4.234.670.165.000 (empat triliun dua dan Hak Asasi
ratus tiga puluh-empat miliar enam ratus Manusia Republik
tujuh puluh juta seratus enam puluh lima Indonesia sesuai
ribu Rupiah); dan suratnya tertanggal
c. Sejumlah 40.000.000.000 (empat puluh 25 September
miliar) Saham Seri C masing-masing 2021 No. AHU-
dengan nilai nominal Rp30 (tiga puluh AH.01.03-0453018
Rupiah) atau seluruhnya bernilai nominal serta diumumkan
Rp1.200.000.000.000,- (satu triliun dua ratus dalam Berita Negara
miliar Rupiah). Republik Indonesia
No. 78 tanggal 28
2. Menyetujui perubahan Anggaran Dasar September 2021
Perseroan atas beberapa pasal termasuk Tambahan Berita
namun tidak terbatas pada Pasal 4, 8, 9, Negara Republik
10, 11, 18 sebagaimana konsep dalam Indonesia No.
matriks yang ditayangkan dalam Rapat, yang 030306.
termasuk dalam rangka penyesuaian maupun
berkaitan dengan peraturan POJK No.14/
POJK.04/2019 tentang Perubahan POJK No.32/
POJK.04/2015 tentang Penambahan Modal
Perusahaan Terbuka Dengan Memberikan
Hak Memesan Efek Terlebih Dahulu, POJK
No.15/POJK.04/2020 tentang Rencana dan
Penyelenggaraan Rapat Umum Pemegang
Saham Perusahaan Terbuka dan POJK No.16/
POJK.04/2020 tentang Pelaksanaan Rapat
Umum Pemegang Saham Perusahaan Terbuka
secara Elektronik.
3. Menyetujui pemberian kuasa kepada Direksi

Perseroan dengan hak substitusi, untuk
menyatakan kembali keputusan berkenaan
dengan perubahan dan penyusunan serta
menyatakan kembali seluruh ketentuan
Anggaran Dasar Perseroan ke dalam akta
Notaris dan mengajukan permohonan
persetujuan dan menyampaikan
pemberitahuan atas perubahan Anggaran
Dasar tersebut kepada pihak yang berwenang
dan sehubungan dengan hal tersebut untuk
melakukan segala sesuatu yang diperlukan
sesuai dengan ketentuan peraturan
perundangan yang berlaku.

2021 Annual Report
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
Amendment to the 1 (one) shareholder Deliberation to 1. Approved the amendment to the Company’s The amendments
Company’s Articles submitted written reach consensus Articles of Association on Authorized Capital to the Company’s
of Association opinions/ suggestions and Nominal Value of the Company’s shares, Articles of
henceforth Article 4 paragraph 1 reads and Association have
must be read as follows: The authorized been realized
capital of the Company is in the amount of and stated in
Rp.5,600,000,000,000,000 (five trillion six the Deed No. 51
hundred billion rupiah), which is divided dated 30 August
into 83,173 350,825 (eighty three billion one 2021 made before
hundred seventy three million three hundred Notary Ashoya
fifty thousand eight hundred twenty five) Ratam, S.H. M.Kn,
shares, which consists of and has obtained
a. A total of 826,649,175 (eight hundred approval from the
twenty-six million six hundred forty-nine Minister of Law
thousand one hundred and seventy-five) and Human Rights
Series A Shares each with a nominal value of the Republic
of Rp. 200,- (two hundred Rupiah) or a total of Indonesia in
nominal value of Rp. 165,329,835,000 (one accordance with
hundred sixty-five billion three hundred the Decree dated
twenty-nine million eight hundred thirty-five 25 September 2021
thousand Rupiah); No. AHU-0052441.
b. A total of 42,346,701,650 (forty-two billion AH.01.02. Year 2021
three hundred forty-six million seven and the notification
hundred one thousand six hundred fifty) of the amendment
Series B Shares each with a nominal value to the articles of
of Rp100 (one hundred Rupiah) or a total association have
nominal value of Rp 4,234,670,165,000 been received and
(four trillion) two hundred and thirty-four registered by the
billion six hundred and seventy million one Minister of Law
hundred and sixty-five thousand Rupiah); and Human Rights
and of the Republic
c. A total of 40,000,000,000 (forty billion) Series of Indonesia in
C Shares each with a nominal value of Rp30 accordance with
(thirty Rupiah) or a total nominal value the letter dated
of Rp1,200,000,000,000 (one trillion two 25 September
hundred billion Rupiah). 2021 No. AHU-
2. Approved amendments to the Company’s AH.01.03-0453018
Articles of Association on several articles and announced in
including but not limited to Articles 4, 8, 9, the State Gazette
10, 11, 18 as outlined in the matrix presented of the Republic of
at the Meeting, which are included in the Indonesia No. 78
context of adjustments to or related to dated 28 September
POJK regulations No.14/POJK. 04/2019 on 2021 Supplement
Amendments to POJK No.32/POJK.04/2015 to the State Gazette
on Increase in Capital of Public Companies of the Republic
by Granting Pre-emptive Rights, POJK No.15/ of Indonesia No.
POJK.04/2020 on Planning and Implementation 030306.
of General Meeting of Shareholders of Public
Companies and POJK No.16/POJK.04/2020 on
Electronic Implementation of General Meeting
of Shareholders of Public Companies.
3. Approved the granting of power of attorney
to the Board of Directors of the Company
with substitution rights, to restate decisions
regarding amendments and preparation and to
restate all provisions of the Company’s Articles
of Association into a notarial deed and apply
for approval and submit notification of the
amendments to the Articles of Association to
the competent authorities and in connection
with this is to carry out everything required
in accordance with the provisions of the
applicable laws and regulations

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
2 Persetujuan 2 (dua) pemegang Dengan 1. Menyetujui pelaksanaan Rencana Penambahan • Bank
Rencana saham menyampaikan musyawarah Modal dengan memberikan Hak Memesan Muamalat telah
Penambahan pertanyaan tertulis untuk mufakat Efek Terlebih Dahulu (“PMHMETD”), dengan menyelesaikan
Modal dengan persyaratan dan ketentuan sebagai berikut: proses
Memberikan Hak a. Penerbitan Saham baru Perseroan paling Penambahan
Memesan Efek banyak 40.000.000.000 (empat puluh miliar) Modal dengan
Terlebih Dahulu Saham Seri C dengan nilai nominal Rp30 Memberikan Hak
(“PMHMETD”) (tiga puluh Rupiah) setiap saham, dengan Memesan Efek
harga pelaksanaan sebesar Rp30,- (tiga Terlebih Dahulu
puluh Rupiah)/ lembar saham. Dengan (“PMHMETD”)
demikian, jika saham baru tersebut yang berlangsung
seluruhnya diambil oleh Pemegang Saham pada tanggal 30
Perseroan maka, modal ditempatkan dan Desember 2021
disetor Perseroan akan meningkat dari sampai dengan
10.207.702.335 (sepuluh miliar dua ratus penjatahan
tujuh juta tujuh ratus dua ribu tiga ratus tiga saham tanggal 12
puluh lima) Saham atau seluruhnya dengan Januari 2022.
nilai nominal sebesar Rp1.103.435.151.000 • Peningkatan
(satu triliun seratus tiga miliar empat ratus modal
tiga puluh lima juta seratus lima puluh ditempatkan dan
satu ribu rupiah), menjadi paling banyak disetor setelah
sejumlah 50.207.702.335 (lima puluh miliar pelaksanaan
dua ratus tujuh juta tujuh ratus dua ribu tiga pengeluaran
ratus tiga puluh lima) Saham yang terdiri saham dalam
dari Saham Seri A, Saham Seri B dan Saham rangka PMHMETD
Seri C, dengan jumlah nominal seluruhnya telah selesai
sebesar Rp2.303.435.151.000 (dua triliun dilaksanakan
tiga ratus tiga miliar empat ratus tiga puluh dan dituangkan
lima juta seratus lima puluh satu ribu dalam Akta No. 18
rupiah). tanggal 28 Januari
b. Penerbitan saham baru tersebut, akan 2022 dibuat di
dilakukan dengan cara penerbitan HMETD hadapan Notaris
kepada para Pemegang Saham Perseroan. Ashoya Ratam,
Jumlah saham yang akan diterbitkan serta S.H. M.Kn, dan
rasio jumlah HMETD terhadap saham yang pemberitahuan
akan diterbitkan akan diinformasikan dalam atas perubahan
prospektus PMHMETD mendatang. anggaran
c. Jumlah saham yang ditawarkan dalam dasarnya telah
PMHMETD dengan cara penerbitan HMETD diterima dan
tersebut, adalah jumlah maksimum saham dicatat oleh
baru yang diterbitkan, yang seluruhnya Menteri Hukum
akan dikeluarkan dari portepel dengan dan Hak Asasi
memperhatikan peraturan perundangan Manusia Republik
yang berlaku. Saham hasil pelaksanaan Indonesia
PMHMETD ini, memiliki hak yang sama dan sesuai suratnya
sederajat dalam segala hal dengan saham tertanggal 31
yang telah disetor penuh lainnya, termasuk Januari 2022
hak untuk memperoleh dividen. No. AHU-
d. Setiap PMHMETD dalam bentuk pecahan AH.01.03-0070769
akan dibulatkan ke bawah (round down). serta diumumkan
dalam Berita
Negara Republik
Indonesia No.
10 tanggal 3
Februari 2022
Tambahan Berita
Negara Republik
Indonesia No.
004853.

2021 Annual Report
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
e. Apabila saham yang ditawarkan dalam
PMHMETD ini tidak seluruhnya diambil
oleh pemegang HMETD, maka sisanya akan
dialokasikan kepada pemegang HMETD
lainnya yang melakukan pemesanan lebih
besar dari haknya secara proporsional,
berdasarkan jumlah HMETD yang telah
dilaksanakan oleh masing-masing
pemegang HMETD yang menghendaki
penambahan saham berdasarkan harga
pemesanan. Apabila setelah alokasi
tersebut masih terdapat sisa HMETD yang
belum dilaksanakan, maka terhadap seluruh
HMETD yang tersisa tersebut akan dibeli
seluruhnya/sebagian oleh Pembeli Siaga
(jika ada) dan jika tidak dibeli seluruhnya/
sebagian oleh Pembeli Siaga tersebut, maka
saham tidak akan dikeluarkan dari portepel.
Sebagai informasi tambahan, Perseroan
tidak akan mencatatkan saham yang
ditawarkan dalam PMHMETD ini pada Bursa
Efek.
f. Pemegang saham lama yang tidak
melaksanakan haknya untuk membeli
saham baru yang ditawarkan dalam
PMHMETD ini sesuai dengan HMETD-nya
akan mengalami penurunan persentase
kepemilikan saham atau dilusi.
g. Dana yang diperoleh dari hasil
PMHMETD setelah dikurangi biaya emisi,
akan digunakan untuk memperkuat
struktur permodalan Perseroan, guna
mengembangkan kegiatan pembiayaan
syariah yang merupakan bagian dari
kegiatan usaha utama Perseroan serta
peruntukan lainnya yang dapat mendukung
pertumbuhan bisnis Perseroan.
2. Menyetujui memberikan wewenang dan
kuasa kepada kepada Dewan Komisaris
Perseroan untuk menyatakan kepastian
jumlah saham yang telah dikeluarkan dalam
rangka PMHMETD dan peningkatan modal
ditempatkan dan disetor setelah pelaksanaan
pengeluaran saham dalam rangka PMHMETD
telah selesai dilaksanakan; dan
3. Memberikan kuasa dan wewenang kepada
Direksi Perseroan, dengan hak substitusi,
untuk melakukan semua dan setiap tindakan
yang diperlukan sehubungan dengan
PMHMETD, termasuk tetapi tidak terbatas
untuk:
a. melakukan semua dan setiap tindakan yang
diperlukan sehubungan dengan PMHMETD,
kesemuanya dengan memperhatikan
ketentuan peraturan perundang-undangan
yang berlaku, termasuk peraturan Pasar
Modal; dan

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
b. menyatakan/ menuangkan keputusan
tersebut dalam akta yang dibuat di
hadapan Notaris, untuk mengubah dan/
atau menyusun kembali ketentuan Pasal
4 Anggaran Dasar Perseroan secara
keseluruhan sesuai keputusan tersebut
(termasuk peningkatan modal ditempatkan
dan disetor setelah PMHMETD selesai
dilaksanakan);
- satu dan lain sebagaimana yang
disyaratkan oleh serta sesuai dengan
ketentuan perundangundangan yang
berlaku untuk itu membuat atau suruh
membuat serta menandatangani akta
dan surat maupun dokumen yang
diperlukan, hadir dihadapan pihak/
pejabat yang berwenang termasuk
notaris, dan selanjutnya untuk
mengajukan permohonan kepada
pihak/pejabat yang berwenang, untuk
memperoleh persetujuan dan/atau
menyampaikan pemberitahuan atas
keputusan Rapat ini dan/atau atas
perubahan Anggaran Dasar Perseroan
berdasarkan keputusan Rapat ini,
serta melakukan semua dan setiap
tindakan yang diperlukan, sesuai dengan
peraturan perundang-undangan yang
berlaku. Dengan ketentuan bahwa,
khusus untuk penetapan jumlah
modal ditempatkan dan disetor serta
perubahan modal dasar (jika diperlukan)
akan dilakukan oleh Direksi dengan
persetujuan Dewan Komisaris.

2021 Annual Report
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
Approval of 2 (two) shareholders Deliberation to 1. Approved the implementation of the Capital • Bank Muamalat
Capital Increase submitted written reach consensus Increase Plan by granting Pre-emptive Rights has completed
Plan by Granting questions (“Rights Issue”), with the following terms and the process of
Pre-emptive Rights conditions: Capital Increase
(“Rights Issue”) a. Issuance of new Company shares with a by Granting Pre-
maximum of 40,000,000,000 (forty billion) emptive Rights
Series C Shares with a nominal value of (“Rights Issue”),
Rp30 (thirty Rupiah) per share, with an took place on
exercise price of Rp30 (thirty Rupiah)/share. 30 December
Accordingly, if the new shares are entirely 2021 until the
taken by Shareholders of the Company, the allotment of
issued and paid-up capital of the Company shares on 12
will increase from 10,207,702,335 (ten January 2022.
billion two hundred seven million seven • The increase
hundred two thousand three hundred in issued and
thirty five) shares or entirely with a nominal paid-up capital
value of Rp1,103,435,151,000 (one trillion after the
one hundred three billion four hundred implementation
thirty-five million one hundred and fifty- of the issuance
one thousand rupiah), to a maximum of of shares in the
50,207,702,335 (fifty billion two hundred context of Rights
seven million seven hundred two thousand Issue has been
three hundred thirty-five) Shares consisting completed and
of Series A Shares, Series B Shares and stated in the Deed
Series C Shares, with a total nominal No. 18 dated 28
amount of Rp2,303,435,151,000 (two trillion January 2022
three hundred three billion four hundred made before
thirty-five million one hundred and fifty one Notary Ashoya
thousand rupiah). Ratam, S.H.
b. The issuance of the new shares will be M.Kn, and the
carried out by way of the issuance of Rights notification of
Issue to Shareholders of the Company. The the amendment
number of shares to be issued and the ratio to the articles of
of the number of Rights Issue to shares to association has
be issued will be informed in the future been received
Rights Issue prospectus. and registered
c. The number of shares offered in the Rights by the Minister
Issue through the issuance of the Rights of Law and
Issue, is the maximum number of new Human Rights
shares issued, all of which will be issued of the Republic
from the portfolio with due observance of of Indonesia
the prevailing laws and regulations. The in accordance
shares resulting from the exercise of this with the letter
Rights Issue have the same and equal rights dated 31 January
in all respects with other fully paid shares, 2022 No. AHU-
including the right to receive dividends. AH.01.03-0070769
d. Each Rights Issue in the form of a fraction and announced in
will be rounded down the State Gazette
e. If the shares offered in this Rights Issue are of the Republic
not entirely taken up by the Preemptive of Indonesia
Rights holders, the remainder will be No. 10 dated 3
allocated to other Rights Issue holders February 2022,
who place an order proportional to their Supplement to
rights, based on the number of Rights that the State Gazette
have been exercised by each Preemptive of the Republic
Rights holder who wants additional shares of Indonesia No.
based on the price. booking. If after the 004853.
allocation there are still remaining Rights
that have not been exercised, all remaining
Rights will be purchased wholly/partly by
the Standby Buyer (if any) and if they are
not purchased wholly/partly by the Standby
Buyer, the shares will not be excluded from
the portfolio. As additional information, the
Company will not list the shares offered in
this Rights Issue on the Stock Exchange.

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
f. Shareholders who do not exercise their
rights to purchase new shares offered
in this Rights Issue in accordance with
their Preemptive Rights will experience
a decrease in the percentage of share
ownership or dilution.
g. The proceeds from the Rights Issue after
deducting emission costs will be used to
strengthen the Company’s capital structure,
in order to develop sharia financing
activities, which are part of the Company’s
main business activities as well as other
purposes that can support the Company’s
business growth.
2. Approved to grant authority and power to the
Company’s Board of Commissioners to state
the certainty of the number of shares that
have been issued for the Rights Issue and the
increase in issued and paid-up capital after
the implementation of the issuance of shares
in the context of the Rights Issue has been
completed; and
3. To grant power and authority to the
Company’s Board of Directors, with the right
of substitution, to take all and any necessary
actions in relation to the Rights Issue, including
but not limited to:
a. take all and any necessary action in relation
to the Rights Issue, all of which take into
account the provisions of the applicable
laws and regulations, including Capital
Market regulations; and
b. declare/ state the decision in a deed made
before a Notary, to amend and/or rearrange
the provisions of Article 4 of the Company’s
Articles of Association as a whole in
accordance with the resolution (including an
increase in issued and paid-up capital after
the Rights Issue is completed);
- as required by and in accordance with
the prevailing regulations, to make or to
give instruction to make and to sign the
required deeds, letters and documents,
to presence in front of the authorized
party or officials including notary, and
to propose request to the authorized
party/official to obtain approval and/or
conveying information on resolution of
this Meeting and/or amendment of the
Articles of Association of the Company
in the resolution of this Meeting, and to
conduct all and every actions needed
or required, in accordance with the
prevailing laws and regulations. With
the condition that, specifically for the
determination of the amount of Paid Up
Capital and changes in Authorized Capital
of the Company (if needed) are executed
by the Board of Directors with the
approval of the Board of Commissioners.

2021 Annual Report
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
3 Persetujuan 1 (satu) pemegang Dengan 1. Menyetujui penerbitan Instrumen Penerbitan
Penerbitan saham menyampaikan musyawarah Subordinasi dengan nilai sebanyak-banyaknya Instrumen
Instrumen pertanyaan tertulis untuk mufakat Rp2.000.000.000.000,- (dua triliun rupiah) atau Subordinasi oleh
Subordinasi oleh setara dengan nilai lain yang akan disesuaikan Perseroan telah
Perseroan dengan kebutuhan Perseroan secara sekaligus selesai dilaksanakan
maupun bertahap; dan; pada 15 Maret 2022.
2. Memberikan kewenangan kepada Direksi
Perseroan untuk melaksanakan segala
tindakan yang diperlukan dalam rangka
penerbitan Instrumen Subordinasi dimaksud,
termasuk untuk menentukan struktur, skema
dan akad Instrumen Subordinasi tersebut,
serta hal-hal yang lain yang berkaitan dengan
penerbitan Instrumen Subordinasi.
Approval for 1 (one) shareholder Deliberation to 1. Approved the issuance of Subordinated The issuance of
Issuance of submitted written reach consensus Instruments with a maximum value of Subordinated
Subordinated questions Rp2,000,000,000,- (two trillion rupiahs) or Instruments by the
Instruments by the equivalent to other values that will be adjusted Company has been
Company to the needs of the Company all at once or completed on March
gradually; and; 15, 2022.
2. Granted the authority to the Company’s Board
of Directors to take all necessary actions for
the issuance of the Subordinated Instrument,
including to determine the structure, scheme
and contract of the Subordinated Instrument,
as well as other matters related to the issuance
of the Subordinated Instrument.
4 Persetujuan tidak terdapat pemegang Dengan 1. Menyetujui penunjukan Bapak Dr. H. Agung • Sehubungan
Perubahan saham yang mengajukan musyawarah Danarto, M.Ag sebagai Anggota Dewan dengan
Susunan Pengurus pertanyaan maupun, untuk mufakat Pengawas Syariah Perseroan yang baru. pengangkatan Dr.
Perseroan menyampaikan 2. Maka susunan selengkapnya Dewan Pengawas H. Agung Danarto,
pendapat/usulan Syariah Perseroan menjadi sebagai berikut: M.Ag sebagai
Dewan Pengawas Syariah anggota Dewan
• Ketua: Bapak Drs. H. Sholahudin Al-Aiyub, Pengawas Syariah
M.Si Perseroan, yang
• Anggota: Ibu Hj. Siti Haniatunnisa, LLB., MH bersangkutan
• Anggota: Dr. H. Agung Danarto, M.Ag sedang
dengan ketentuan bahwa: melengkapi
pengangkatan Bapak Dr. H. Agung Danarto, persyaratan untuk
M.Ag selaku anggota Dewan Pengawas Syariah dapat diajukan
Perseroan, akan berlaku efektif setelah permohonan
memperoleh persetujuan dari OJK. Dalam persetujuannya
hal yang bersangkutan tidak memperoleh kepada OJK
persetujuan dari OJK, maka pengangkatan • Keputusan
yang bersangkutan menjadi batal, tanpa berkenaan
diperlukan lagi suatu keputusan dari Rapat dengan
Umum Pemegang Saham. pengangkatan
3. Menyetujui pemberian kuasa kepada anggota Dewan
Direksi guna mewakili Perseroan untuk Pengawas Syariah
menandatangani perjanjian dengan Bapak Dr. Perseroan telah
H. Agung Danarto, M.Ag sehubungan dengan ditungkan ke
pengangkatannya selaku anggota Dewan dalam akta
Pengawas Syariah Perseroan. Notaris No.
4. Menyetujui pemberian kuasa kepada Direksi 52 tanggal 30
dengan hak substitusi, untuk menyatakan Agustus 2021
kembali keputusan berkenaan dengan yang dibuat
pengangkatan anggota Dewan Pengawas oleh Notaris
Syariah Perseroan tersebut ke dalam akta Ashoya Ratam,
Notaris dan memberitahukannya kepada pihak S.H. M.Kn dan
yang berwenang dan sehubungan dengan hal telah memberi-
tersebut untuk melakukan segala sesuatu yang tahukannya
diperlukan sesuai dengan ketentuan peraturan kepada pihak
perundangan yang berlaku yang berwenang

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No. Keputusan
Decision Making
Approval of There are no Deliberation to 1. Approved the appointment of Mr. Dr. H. • In connection with
Changes in the shareholders who reach consensus Agung Danarto, M.Ag as new Member of the the appointment
Composition of submitted questions, Company’s Sharia Supervisory Board of Dr. H. Agung
the Company’s opinions/ suggestions 2. Therefore, the following is the composition of Danarto, M.Ag as
Management the Company’s Sharia Supervisory Board: member of the
Sharia Supervisory Board Company’s Sharia
• Chairman: Mr. Drs. H. Sholahudin Al-Aiyub, Supervisory
M.si Board, he
• Member: Ms. Hj. Siti Haniatunnisa, LLB., MH is currently
• Member: Dr. H. Agung Danarto, M.Ag completing the
provided that: requirements
the appointment of Mr. Dr. H. Agung Danarto, to submit an
M.Ag as member of the Company’s Sharia application for
Supervisory Board, will be effective after approval to the
obtaining approval from OJK. In the event OJK
that the person concerned does not obtain • The decision
approval from the OJK, the appointment will be regarding the
cancelled, without the need for a decision from appointment of
the General Meeting of Shareholders. members of the
3. Approved to grant the power of attorney Company’s Sharia
to the Board of Directors to represent the Supervisory
Company to sign an agreement with Mr. Dr. Board has been
H. Agung Danarto, M.Ag in connection with incorporated into
his appointment as member of the Sharia the Notary deed
Supervisory Board of the Company. No. 52 dated 30
4. Approved to grant the power of attorney August 2021,
to the Board of Directors with substitution made before
rights, to restate the resolution regarding the Notary Ashoya
appointment of members of the Company’s Ratam, S.H. M.Kn
Sharia Supervisory Board into a notarial deed and has notified
and notify the competent authorities and the authorities
in connection with this to take all necessary
actions in accordance with the provisions of
the applicable laws and regulations.
Alasan Keputusan Belum Direalisasikan Reason for Unrealized Resolution

Penerbitan Instrumen Subordinasi oleh Perseroan pada The issuance of Subordinated Instruments by the Company
tahun 2021 masih dalam tahap finalisasi dan telah selesai in 2021 is still in the finalization stage and has been
dilaksanakan pada 15 Maret 2022. completed on March 15, 2022.
RUPS TAHUN 2020 GMS IN 2020

Sepanjang tahun 2020, Bank Muamalat Indonesia Throughout 2020, PT Bank Muamalat Indonesia Tbk held 1
menyelenggarakan RUPS sebanyak 1 (satu) kali yaitu RUPS (one) GMS, namely the Annual GMS.
Tahunan.
RUPS Tahunan Annual GMS

RUPS Tahunan diselenggarakan pada hari Jumat tanggal The Annual GMS was held on 31 August 2020, at 10.00 to
31 Agustus 2020, pada pukul 10.00 hingga 11:58 WIB di 11.58 WIB, in Muamalat Tower Ballroom 2nd Floor, Jalan
Muamalat Tower Ballroom Lantai 2, Jalan Profesor Doktor Professor Doktor Satrio Kav. 18, Jakarta 12940. The Annual
Satrio Kaveling 18, Jakarta 12940. RUPS Tahunan tersebut GMS was attended by the Chairman of the Sharia Supervisory
dihadiri oleh Ketua Dewan Pengawas Syariah, Tiga Anggota Board, Three Members of the Board of Commissioners and
Dewan Komisaris dan seluruh Direksi. the entire Board of Directors.

2021 Annual Report
Peserta RUPS Tahunan Tahun 2020 Participants of the 2020 Annual GMS
Chairman
Direksi Jabatan
Achmad Kusna Permana Direktur Utama
President Director
Finance Director
Financing Director
Operation Director
Selain itu, turut hadir pemegang saham yang 9.454.231.050 In addition, there were also shareholders with a total
(sembilan miliar empat ratus lima puluh empat juta dua ratus amount of 9,454,231,050 (nine billion four hundred fifty-four
tiga puluh satu ribu lima puluh) saham atau 92,6186005% million two hundred thirty-one thousand and fifty) shares or
(sembilan puluh dua koma enam satu delapan enam nol nol 92.6186005% (ninety two point six one eight six zero zero
lima persen) dari jumlah seluruh saham Seri A dan Seri B five percent) of the total number of Series A and Series B
dengan hak suara yang telah dikeluarkan Perseroan, yang shares with voting rights issued by the Company, totaling
seluruhnya berjumlah 10.207.702.335 (sepuluh miliar dua 10,207,702,335 (ten billion two hundred seven million seven
ratus tujuh juta tujuh ratus dua ribu tiga ratus tiga puluh hundred two thousand three hundred thirty five) shares.
lima) saham.
Dengan memperhatikan Daftar Pemegang Saham With regard to the Company’s Shareholders Register as of 6
Perseroan per tanggal 5 Agustus 2021 sampai dengan pukul August 2020 until 16.00 WIB, the quorum required in Article
16.00 WIB, sehingga karenanya, kuorum yang disyaratkan 11 paragraph 1 of the Company’s Articles of Association in
dalam Pasal 41 ayat 1 dan Pasal 42 Peraturan Otoritas Jasa conjunction with Article 41 of the FSA Regulation No. 15/
Keuangan (“POJK”) No. 15/POJK.04/2020 Tentang Rencana POJK.04/2020 on Planning and Implementation of General
Dan Penyelenggaraan Rapat Umum Pemegang Saham Meetings of Shareholders of the Public Company have
Perusahaan Terbuka dan Pasal 11 ayat (1) dan Pasal 11 ayat been fulfilled and the Meeting is valid and entitled to make
(2) Anggaran Dasar Perseroan telah terpenuhi dan Rapat legal and binding decisions regarding matters discussed in
adalah sah serta berhak untuk mengambil keputusan yang accordance with the agenda of the Meeting
sah dan mengikat mengenai hal-hal yang dibicarakan sesuai
dengan Mata Acara Rapat.

Seluruh Keputusan rapat telah disahkan dalam Akta No. 30 All resolutions of the meeting have been ratified in the Deed
Notaris Utiek R. Abdurachman, S.H., MLI., Mkn tanggal 31 No. 30 Notary Utiek R. Abdurachman, S.H., MLI., Mkn dated
Agustus 2021. 31 August 2021.

Keputusan dan Realisasi RUPS Tahunan 2020 Resolution and Realization of the 2020 Annual Report
Keputusan Realisasi
No.
Resolutions Realization
1 Menyetujui Laporan Tahunan Perseroan Tahun Buku 2019 termasuk Laporan Tugas Sudah direalisasikan pada tahun 2020
Pengawasan Dewan Komisaris dan Dewan Pengawas Syariah untuk Tahun Buku 2019 dan Laporan Tahunan Perseroan telah
dan mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2019. Selanjutnya disampaikan kepada OJK melalui surat
dengan telah disetujuinya Laporan Tahunan Perseroan Tahun Buku 2019 termasuk No. 057/B/PRD-SRT/ III/2020 tanggal 4
Laporan Tugas Pengawasan Dewan Komisaris dan Dewan Pengawas Syariah untuk Tahun Maret 2020 kepada pihak-pihak terkait
Buku 2019 serta disahkannya Laporan Keuangan Perseroan untuk Tahun Buku 2019, dan kepada lembaga-lembaga terkait.
maka Rapat telah memberikan pelunasan dan pembebasan tanggung-jawab sepenuhnya
(volledig acquit et de charge) kepada anggota Direksi, Dewan Komisaris dan Dewan Has been realized in 2020 and the
Pengawas Syariah Perseroan atas tindakan pengurusan dan pengawasan Perseroan Company's Annual Report has been
yang telah dijalankan selama Tahun Buku 2019, sepanjang tindakan tersebut tercermin submitted to the OJK through letter No.
dari Laporan Tahunan dan Laporan Keuangan Perseroan Tahun Buku 2019 serta bukan 057/B/PRD-SRT/III/2020 dated 4 March
merupakan tindak pidana atau pelanggaran terhadap ketentuan peraturan perundang- 2020 to related parties and related
undangan yang berlaku. institutions.
Approve the Company’s Annual Report for the 2019 Fiscal Year including the Supervisory
Report of the Board of Commissioners and the Sharia Supervisory Board for the 2019
Fiscal Year and ratified the Company’s Financial Statements for the 2019 Financial
Year. Furthermore, with the approval of the Company’s Annual Report for the 2019
Fiscal Year including the Supervisory Report of the Board of Commissioners and the
Sharia Supervisory Board for the 2019 Fiscal Year and the ratification of the Company’s
Financial Statements for the 2019 Fiscal Year, the Meeting has granted full release and
discharge (volledig acquit et de charge) to members of the Board of Directors, Board
of Commissioners and the Company’s Sharia Supervisory Board for management and
supervision of the Company which have been carried out during the 2019 Fiscal Year,
as long as these actions are reflected in the Company’s Annual Report and Financial
Statements for the 2019 Fiscal Year and are not a criminal act or a violation of the
provisions of the prevailing laws and regulations.
2 Menyetujui laba bersih Perseroan untuk Tahun Buku 2019 setelah pajak sebesar Sudah direalisasikan pada tahun 2020
Rp16.326.330.630,00 (enam belas miliar tiga ratus dua puluh enam juta tiga ratus tiga dan Laba bersih Perseroan untuk
puluh ribu enam ratus tiga puluh rupiah) seluruhnya dipergunakan untuk cadangan Tahun Buku 2019 tidak dibagikan
Perseroan, sehingga tidak ada pembagian dividen atas laba bersih Perseroan Tahun Buku dan dipergunakan untuk cadangan
2019. Perseroan.
Approve the Company’s net profit for Fiscal Year 2019 after tax of Rp16,326,330,630.00
(sixteen billion three hundred twenty six million three hundred thirty thousand six Has been realized in 2020 and the
hundred thirty rupiah) entirely used for the Company’s reserves, so that no dividend was Company’s Net Profit for the Fiscal Year
distributed on the Company’s net income for Fiscal Year 2019. 2019 shall not be distributed and used in
its entirety for the Company’s reserves
3 Menyetujui untuk memberikan kewenangan kepada Dewan Komisaris Perseroan untuk Sudah direalisasikan pada tahun 2020
menunjuk, mengakhiri dan/atau mengganti Kantor Akuntan Publik untuk mengaudit dan Dewan Komisaris telah menunjuk
Laporan Keuangan Perseroan Tahun Buku 2020 dan/atau audit lain yang dibutuhkan Kantor Akuntan Publik untuk mengaudit
Perseroan serta menetapkan jumlah honorarium dan persyaratan penunjukan lainnya Laporan Keuangan Perseroan Tahun
yang wajar bagi Kantor Akuntan Publik tersebut. Pemberian kewenangan kepada Buku 2020 berdasarkan rekomendasi
Dewan Komisaris Perseroan tersebut diusulkan untuk efektivitas proses penunjukan dari Komite Audit. Penunjukan
pengakhiran dan/atau penggantian Kantor Akuntan Publik yang sesuai dengan kondisi berdasarkan surat Dewan Komisaris
Perseroan yang akan dilaksanakan dengan kriteria/batasan yang dianggap sesuai oleh tanggal 21 Desember 2020 dan telah
Dewan Komisaris Perseroan dengan kondisi Perseroan. dilaporkan kepada OJK tanggal 28
Desember 2020.
Approved to grant the authority to the Company’s Board of Commissioners to appoint, Has been realized in 2020 and the Board
dismiss, and/or replace the Public Accountant Firm to audit the Company’s Financial of Commissioners has appointed the
Statements for 2020 Fiscal Year and/or other audits required by the Company Public Accountant Firm to audit the
and determining the appropriate amount of honorarium and other appointment Company’s Financial Statements for 2020
requirements for the appointed Public Accounting Firm. The granting of authority to Fiscal Year based on recomendation
the Board of Commissioners of the Company is proposed for the effectiveness of the from the Audit Committee. The
process of appointing the termination and/or replacement of the Public Accountant Firm appointment based on letter from Board
in accordance with the conditions of the Company to be implemented with criteria/limits of Commissioners on 21 December 2020
deemed appropriate by the Board of Commissioners of the Company with the conditions and has been reported to the OJK on 28
of the Company. December 2020
Alasan Keputusan Belum Direalisasikan Reason for Unrealized Resolutions

Tidak ada keputusan yang belum direalisasikan. There were no resolutions that has not been realized.

2021 Annual Report
Informasi Pemegang Saham Utama/

Pengendali
Information on Majority/Controlling Shareholders
Pengendali Perseroan adalah pihak yang memiliki saham The controlling party of the Company is the party that owns
Perseroan sebesar 25% (dua puluh lima persen) atau lebih 25% (twenty five percent) of the Company’s shares or more
dari jumlah saham yang dikeluarkan dan mempunyai hak of the total issued shares and has voting rights as referred to
suara sebagaimana dimaksud dalam Peraturan OJK No. 39/ in FSA Regulation No. 39/POJK.03/2017 on Single Ownership
POJK.03/2017 tentang Kepemilikan Tunggal pada Perbankan in the Indonesian Banking Sector. As of the publication of this
Indonesia. Sampai dengan laporan ini diterbitkan, Pemegang report, the Bank’s majority shareholder is the Hajj Financial
saham utama Bank ialah Badan Pengelolaan Keuangan Management Agency with a share ownership of 82.7% of the
Haji dengan kepemilikan saham sebesar 82,7% dari total total outstanding shares. As for the chart, the following is the
keseluruhan saham yang ada. Adapun secara bagan, majority shareholders of the Bank:
informasi pemegang saham utama Bank ialah sebagai
berikut:
BPKH
82,7%
Pemegang Saham Lainnya

Islamic Development Bank
Other Shareholders
2,0% 15,3%
100,00%

Dewan Pengawas Syariah

Mengacu pada Undang-Undang No. 21 tahun 2008 tentang Pursuant to Law no. 21 of 2008 on Islamic Banking which
Perbankan Syariah yang mengatur bahwa kegiatan usaha stipulates that the business activities of sharia banks must
bank syariah harus berlandaskan pada prinsip syariah yaitu be based on sharia principles, namely the fatwa issued by
fatwa yang dikeluarkan oleh lembaga yang berwenang the authorized institution, in this case the National Sharia
dalam hal ini adalah Dewan Syariah Nasional–Majelis Ulama Council–Indonesian Ulema Council (DSN–MUI). As a sharia
Indonesia (DSN–MUI). Sebagai bank syariah, Bank Muamalat bank, Bank Muamalat Indonesia has established a Sharia
Indonesia memiliki Dewan Pengawas Syariah (DPS) yang Supervisory Board (DPS), which is an organ of the Bank.
merupakan organ Bank.
Dewan Pengawas Syariah memiliki tugas memberikan The Sharia Supervisory Board has the task of providing
nasihat dan saran kepada Direksi serta mengawasi kegiatan advice and suggestions to the Board of Directors as well as
Bank agar berjalan sesuai dengan prinsip syariah. Hasil supervising the Bank’s activities to ensure that it operates
pengawasan Dewan Pengawas Syariah dilaporkan kepada in accordance with sharia principles. The results of the
Direktur Utama untuk selanjutnya disampaikan kepada supervision of the Sharia Supervisory Board are reported
Otoritas Jasa Keuangan (OJK) setiap semester. to the President Director to be submitted to the Financial
Services Authority (FSA) every semester.
DASAR HUKUM LEGAL BASIS

Bank Muamalat memiliki landasan peraturan perundang- Bank Muamalat has a statutory foundation as the legal basis
undangan sebagai dasar hukum pembentukan dan for the establishment and implementation of the duties of
pelaksanaan tugas Dewan Pengawas Syariah, yaitu sebagai the Sharia Supervisory Board, which are as follows:
berikut:
1. Undang Undang Republik Indonesia No. 40 tahun 2007 1. Law of the Republic of Indonesia No. 40 of 2007 on
tentang Perseroan Terbatas Limited Liability Companies
2. Undang Undang Republik Indonesia No. 21 Tahun 2008 2. Law of the Republic of Indonesia No. 21 of 2008 on Sharia
tentang Perbankan Syariah Banking
3. Peraturan Bank Indonesia No. 11/33/PBI/2009 tentang 3. Bank Indonesia Regulation No. 11/33/PBI/2009 on
Pelaksanaan Good Corporate Governance bagi Bank Good Corporate Governance Implementation for Sharia
Umum Syariah dan Unit Usaha Syariah Commercial Banks and Sharia Business Units
4. Peraturan Bank Indonesia No. 11/3/PBI/2009 tentang 4. Bank Indonesia Regulation No. 11/3/PBI/2009 on Sharia
Bank Umum Syariah sebagaimana diubah dengan Commercial Banks as amended by Bank Indonesia
Peraturan Bank Indonesia No. 15/3/PBI/2013 tentang Regulation No. 15/3/PBI/2013 on Sharia Commercial
Bank Umum Syariah. Banks.
5. Anggaran Dasar Bank Muamalat Indonesia 5. Articles of Association of Bank Muamalat Indonesia
6. Akta tertanggal 16 Desember 2019 No. 81 dibuat 6. Deed dated December 16, 2019 No. 81 made before
dihadapan Notaris Ashoya Ratam dan pemberitahuan Notary Ashoya Ratam and notification of changes to
atas perubahan data perseroan telah diterima dan company data have been received and recorded by the
dicatat oleh Menteri Hukum dan Hak Asasi Manusia Minister of Law and Human Rights of the Republic of
Republik Indonesia sesuai suratnya tertanggal 31 Indonesia according to his letter dated December 31,
Desember 2019 No. AHU-AH.01.03-0380139 dan Akta 2019 No. AHU-AH.01.03-0380139 and Deed dated August
tertanggal 30 Agustus 2021 No. 52 dibuat dihadapan 30, 2021 No. 52 made before Notary Ashoya Ratam.
Notaris Ashoya Ratam.
TUGAS DAN TANGGUNG JAWAB DEWAN DUTIES AND RESPONSIBILITIES OF THE

PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD
Tugas dan tanggung jawab Dewan Pengawas Syariah Bank The following is the duties and responsibilities of the Sharia
Muamalat Indonesia adalah sebagai berikut: Supervisory Board of Bank Muamalat Indonesia:
1. Memberikan nasihat dan saran kepada Direksi mengenai 1. Provide advice and suggestions to the Board of Directors
hal-hal yang terkait dengan aspek syariah. on matters related to sharia aspects.

2021 Annual Report
2. Menilai dan memastikan pemenuhan prinsip syariah 2. Assess and ensure compliance with sharia principles
atas pedoman operasional dan produk yang telah on operational guidelines and products issued by Bank
dikeluarkan Bank Muamalat Indonesia. Muamalat Indonesia.
3. Sebagai mediator antara Bank Muamalat Indonesia 3. As a mediator between Bank Muamalat Indonesia and
dengan DSN-MUI dalam mengkomunikasikan usul DSN-MUI in communicating proposals and suggestions
dan saran pengembangan produk dan jasa dari Bank for product and service development from Bank
Muamalat Indonesia yang memerlukan kajian dan fatwa Muamalat Indonesia which require a study and fatwa
dari DSN-MUI. from DSN-MUI.
4. Mengawasi proses pengembangan produk baru dan 4. Oversee the process of developing new products and
kegiatan Bank Muamalat Indonesia agar sesuai dengan activities of Bank Muamalat Indonesia to comply with the
fatwa DSN-MUI. DSN-MUI fatwa.
5. Meminta fatwa kepada DSN-MUI untuk produk baru 5. Appeal for a fatwa from the DSN-MUI for new products
Bank Muamalat Indonesia yang belum ada fatwanya. of Bank Muamalat Indonesia for which the fatwa is still
unavailable.
6. Sebagai perwakilan DSN-MUI yang ditempatkan di Bank 6. As a representative of DSN-MUI stationed at Bank
Muamalat Indonesia, Dewan Pengawas Syariah wajib Muamalat Indonesia, the Sharia Supervisory Board is
melaporkan atas hasil pengawasannya kepada DSN-MUI required to report the results of its supervision to DSN-
dan OJK dalam waktu 6 (enam) bulan sekali. MUI and FSA once every 6 (six) months.
7. Memberikan opini dari aspek syariah terhadap 7. Provide an opinion from sharia aspects on the overall
pelaksanaan operasional Bank Muamalat Indonesia operational implementation of Bank Muamalat Indonesia
secara keseluruhan dalam laporan publikasi Bank in the published report of Bank Muamalat Indonesia.
Muamalat Indonesia.
8. Melakukan review secara berkala atas pemenuhan 8. Conduct periodic reviews on compliance with sharia
prinsip syariah terhadap mekanisme penghimpunan principles in the mechanism for raising funds and
dana dan penyaluran dana serta pelayanan jasa Bank channelling funds as well as Bank Muamalat Indonesia
Muamalat Indonesia. services.
9. Memberikan opini aspek syariah atas temuan/ 9. Provide an opinion on the sharia aspects of the findings/
penyimpangan yang dijumpai oleh Unit Kerja Internal irregularities encountered by the Internal Audit Unit.
Audit.
10. Meminta data dan informasi terkait dengan aspek 10. Request data and information related to sharia aspects
syariah dari satuan kerja di Bank Muamalat Indonesia from the work unit at Bank Muamalat Indonesia in the
dalam rangka pelaksanaan tugasnya. context of carrying out their duties.
Selain itu, DPS juga memiliki tugas dan tanggung jawab In addition, the DPS also has the duties and responsibilities
pengawasan terhadap proses pengembangan produk baru of supervising the development process of Bank Muamalat’s
Bank Muamalat. Terkait hal tersebut Dewan Pengawas new products. In this regard, the Sharia Supervisory Board
Syariah melakukan hal-hal sebagai berikut: conducts the following:
1. Meminta penjelasan dari pejabat Bank Muamalat 1. Ask for an explanation from the authorized Bank
Indonesia yang berwenang mengenai tujuan, Muamalat Indonesia official regarding the objectives,
karakteristik, dan akad yang digunakan dalam produk characteristics, and the contract used in the new product
baru yang akan dikeluarkan. to be issued.
2. Memeriksa apakah terhadap akad yang digunakan 2. Check whether the contract employed in the new product
dalam produk baru telah terdapat fatwa DSN-MUI, has a DSN-MUI fatwa,
a. Dalam hal telah terdapat fatwa, maka Dewan a. Should there be a fatwa, the Sharia Supervisory
Pengawas Syariah melakukan analisis atas Board will conduct an analysis on the conformity of
kesesuaian akad produk baru dengan fatwa DSN- the new product contract with the DSN-MUI fatwa
MUI.
b. Dalam hal belum terdapat fatwa, maka Dewan b. In the event that the fatwa is unavailable, the
Pengawas Syariah mengusulkan kepada Direksi Bank Sharia Supervisory Board proposes to the Board of
untuk melengkapi akad produk baru dengan fatwa Directors of the Bank to complete the new product
dari DSN-MUI. contract with a fatwa from DSN-MUI.
3. Review sistem dan prosedur produk baru yang akan 3. Review of systems and procedures for new products
dikeluarkan terkait dengan pemenuhan prinsip syariah. that will be issued related to compliance with sharia
principles.
4. Memberikan pendapat syariah atas produk baru yang 4. Provide sharia opinion on new products to be issued.
akan dikeluarkan.

Tidak hanya itu, Dewan Pengawas Syariah juga mempunyai Furthermore, the Sharia Supervisory Board also has the
tugas dan tanggung jawab pengawasan terhadap kegiatan duties and responsibilities of supervising the activities of
Bank Muamalat. Untuk memenuhi tugas dan tanggung Bank Muamalat. To fulfill these duties and responsibilities,
jawab itu, Dewan Pengawas Syariah melakukan hal-hal di the Sharia Supervisory Board does the following:
antaranya:
1. Menganalisis laporan yang disampaikan oleh dan/atau 1. Analyze the reports submitted by and/or requested from
yang diminta dari Direksi, pelaksana fungsi audit intern the Board of Directors, executor of the Internal Audit
dan/atau fungsi kepatuhan untuk mengetahui kualitas Function and/or Compliance Function to determine the
pelaksanaan pemenuhan prinsip syariah atas kegiatan quality of the implementation of compliance with sharia
penghimpunan dana dan penyaluran dana serta principles for fundraising and fund distribution activities
pelayanan jasa Bank. as well as the Bank’s services.
2. Menetapkan jumlah uji petik (sampel) transaksi yang 2. Determine the number of sample tests of transactions
akan diperiksa dengan memperhatikan kualitas to be examined by observing the quality of compliance
pelaksanaan pemenuhan prinsip syariah dari masing- implementation with sharia principles for each activity.
masing kegiatan.
3. Memeriksa dokumen transaksi yang diuji petik 3. Conduct spot-check transaction documents to determine
(sampel) untuk mengetahui pemenuhan prinsip syariah the fulfilment of sharia principles as required in the SOP,
sebagaimana dipersyaratkan dalam Standar Operasional including:
Prosedur (SOP), di antaranya:
a. Ada tidaknya bukti pembelian barang, untuk akad a. Whether or not there is proof of purchase of goods,
murabahah sebagai bukti terpenuhinya syarat jual- for murabahah contracts as proof of the fulfilment of
beli murabahah. the murabahah sale and purchase conditions.
b. Ada tidaknya laporan usaha nasabah, untuk akad b. Whether there is a customer business report, for a
mudharabah/musyarakah, sebagai dasar melakukan mudharabah/ musyarakah contract, as a basis for
perhitungan distribusi bagi hasil. calculating the distribution of profit sharing.
4. Menginspeksi, mengamati, meminta keterangan dan/ 4. Conduct inspections, observations, requests for
atau konfirmasi kepada karyawan Bank Muamalat information and/or confirmation to Bank Muamalat
Indonesia dan/atau nasabah untuk memperkuat hasil Indonesia employees and/or customers to strengthen
pemeriksaan dokumen, apabila diperlukan. the results of document checks, if necessary.
5. Melakukan review terhadap prosedur terkait aspek 5. Review procedures related to sharia aspects should
syariah apabila terdapat indikasi ketidaksesuaian there be indications of non-compliance with the
pelaksanaan pemenuhan prinsip syariah atas kegiatan implementation of sharia principles for the said activity.
dimaksud.
6. Memberikan pendapat syariah atas kegiatan 6. Provide sharia opinion on fundraising and channeling of
penghimpunan dana dan penyaluran dana serta fund activities as well as bank services.
pelayanan jasa Bank.
7. Melaporkan hasil pengawasan Dewan Pengawas Syariah 7. Report the supervision results of the Sharia Supervisory
kepada Direksi dan Dewan Komisaris. Board to the Board of Directors and Board of
Commissioners.
PEDOMAN DAN TATA TERTIB KERJA CHARTER AND CODE OF CONDUCT OF

DEWAN PENGAWAS SYARIAH THE SHARIA SUPERVISORY BOARD
Dalam rangka mempermudah Dewan Pengawas Syariah In order to facilitate the Sharia Supervisory Board in
dalam memahami peraturan-peraturan yang terkait dengan understanding the regulations related to the implementation
pelaksanaan fungsi dan tanggung jawabnya, Bank memiliki of its functions and responsibilities, the Bank has guidelines
pedoman dan tata tertib kerja berupa Board Manual Bank and work procedures in the form of Bank Muamalat Board
Muamalat No. CPL.KBJ.013.2016. Manual No. CPL.KBJ.013.2016.
Pedoman kerja Dewan Pengawas Syariah yang diatur dalam The work guidelines of the Sharia Supervisory Board that are
Board Manual, yang antara lain meliputi: regulated in the Board Manual include:
1. Fungsi 1. Function
2. Persyaratan 2. Requirement
3. Komposisi 3. Composition
4. Pengangkatan 4. Appointment
5. Rangkap Jabatan 5. Concurrent Positions
6. Masa Jabatan dan Pemberhentian 6. Term of Office and Dismissal

2021 Annual Report
7. Program Orientasi Dan Peningkatan Kapabilitas 7. Orientation and Capability Improvement Program
8. Standar Etika Dewan Pengawas Syariah 8. Ethics Standard of the Sharia Supervisory Board
9. Tugas dan Tanggung Jawab Dewan Pengawas Syariah 9. Duties and Responsibilities of the Sharia Supervisory
Board
10. Tata Kerja Dewan Pengawas Syariah 10. Work Procedure of the Sharia Supervisory Board
11. Pembagian Tugas Dewan Pengawas Syariah 11. Division of Duties of the Sharia Supervisory Board
12. Rapat Dewan Pengawas Syariah 12. Sharia Supervisory Board Meeting
13. Hubungan Kerja dengan Dewan Komisaris dan Direksi 13. Working Relationships with the Board of Commissioners
and Board of Directors
14. Pelaporan Dewan Pengawas Syariah 14. Reporting of the Sharia Supervisory Board
15. Hak Kompensasi Dewan Pengawas Syariah 15. Compensation Rights of the Sharia Supervisory Board
16. Evaluasi Kinerja Dewan Pengawas Syariah 16. Performance Evaluation of the Sharia Supervisory Board
KRITERIA ANGGOTA DEWAN PENGAWAS CRITERIA OF THE SHARIA SUPERVISORY

SYARIAH BOARD MEMBERS
Kriteria anggota Dewan Pengawas Syariah telah diatur The criteria for members of the Sharia Supervisory Board
oleh Bank sesuai dengan Peraturan Bank Indonesia No. have been regulated by the Bank pursuant to Bank Indonesia
11/3/PBI/2009 tentang Bank Umum Syariah sebagaimana Regulation No. 11/3/PBI/2009 on Sharia Commercial Banks
diubah dengan Peraturan Bank Indonesia No. 15/3/PBI/2013 as amended by Bank Indonesia Regulation No. 15/3/PBI/2013
tentang Bank Umum Syariah. Persyaratan yang wajib on Sharia Commercial Banks. The requirements that must
dipenuhi sebagai anggota Dewan Pengawas Syariah tersebut be fulfilled as a member of the Sharia Supervisory Board are
juga dicantumkan di dalam Board Manual Dewan Pengawas also listed in the Board Manual of the Sharia Supervisory
Syariah. Adapun kriterianya antara lain: Board. The criteria include:
1. Memiliki akhlak dan moral yang baik. 1. Have good character and morals.
2. Memiliki komitmen untuk mematuhi peraturan 2. Committed to complying with sharia banking regulations
perbankan syariah dan peraturan perundang-undangan and other applicable laws and regulations.
lain yang berlaku.
3. Memiliki komitmen yang tinggi terhadap pengembangan 3. Has a high commitment to the development of a sound
Bank yang sehat dan tangguh (sustainable). and resilient (sustainable) Bank.
4. Tidak termasuk dalam Daftar Tidak Lulus sesuai dengan 4. Not included in the Disqualified List under the provisions
ketentuan yang ditetapkan oleh Bank Indonesia dan/ stipulated by Bank Indonesia and/or Financial Services
atau Otoritas Jasa Keuangan. Authority.
5. Memiliki keahlian di bidang fiqih mu’amalah. 5. Have proficiency in the field of fiqih mu’amalah.
6. Memiliki pengetahuan dan pengalaman di bidang syariah 6. Have proper knowledge and experience in the field of
mu’amalah dan pengetahuan di bidang perbankan dan/ sharia mu’amalah and knowledge in banking and/or
atau keuangan secara umum. finance in general.
7. Jika diperlukan anggota DPS dapat pula memiliki 7. If necessary, Sharia Supervisory Board members can
keahlian selain fiqih mu’amalah, tetapi harus memiliki also have expertise other than fiqih mu’amalah, but
pengalaman di bidang perbankan dan atau lembaga must have experience in banking and/or sharia financial
keuangan syariah. institutions.
8. Tidak termasuk dalam daftar kredit/pembiayaan macet. 8. Not included in the list of bad credit/financing.
9. Tidak pernah dinyatakan pailit atau menjadi pemegang 9. Have never been declared bankrupt or have been a
saham, anggota Dewan Komisaris atau anggota shareholder, a member of the Board of Commissioners
Direksi yang dinyatakan bersalah menyebabkan suatu or a member of the Board of Directors found guilty of
perseroan dinyatakan pailit dalam waktu 5 (lima) tahun causing a company to be declared bankrupt within the
terakhir sebelum dicalonkan. last 5 (five) years prior to being nominated.

SUSUNAN KEANGGOTAAN DEWAN MEMBERSHIP COMPOSITION AND

PENGAWAS SYARIAH DAN PERIODE ASSIGNMENT PERIOD OF THE SHARIA
PENUGASAN SUPERVISORY BOARD
Bank memiliki acuan dalam menentukan susunan The Bank has a reference in determining the membership
keanggotaan Dewan Pengawas Syariah yaitu Peraturan Bank composition of the Sharia Supervisory Board, namely
Indonesia No. 11/3/PBI/2009 tentang Bank Umum Syariah Bank Indonesia Regulation No. 11/3/PBI/2009 on Sharia
sebagaimana diubah dengan Peraturan Bank Indonesia No. Commercial Banks as amended by Bank Indonesia
15/3/PBI/2013 tentang Bank Umum Syariah Pasal 36 ayat Regulation No. 15/3/PBI/2013 on Sharia Commercial Banks
(1) yang menyebutkan jumlah anggota Dewan Pengawas Article 36 paragraph (1) which states that the number of
Syariah paling kurang 2 (dua) orang atau paling banyak 50% members of the Sharia Supervisory Board is at least 2 (two)
(lima puluh persen) dari jumlah anggota Direksi. people or at most 50% (fifty percent) of the total members of
the Board of Directors.
Pada tahun 2021, jumlah anggota Dewan Pengawas Syariah In 2021, the number of members of the Bank’s Sharia
Bank berjumlah 3 (tiga) orang sehingga sudah memenuhi Supervisory Board is 3 (three) people, complying with the
peraturan perundangan yang berlaku. applicable laws and regulations.
Susunan Dewan Pengawas Syariah Tahun 2021 Composition of the Sharia Supervisory Board in 2021
Periode
RUPS Pengangkatan
Nama Jabatan Persetujuan OJK Tanggal Efektif Penugasan
Pengangkatan Kembali
Name Position FSA Approval Effective Date Assignment
Appointment GMS Reappointment
Period
Drs. H. Sholahudin Ketua RUPS LB 16 Surat OJK No. SR-2/ 2 Februari 2017 16 Desember 2019 2019- 2024
Al Aiyub, M.Si Chairman Desember 2019 PB.13/2017 tanggal 2 2 February 2017 (Ketua DPS)
Extraordinary GMS Februari 2017 16 December 2019
on 16 December FSA Letter No. SR-2/ (Chairman)
2019 PB.13/2017 dated 2
February 2017
Hj. Siti Anggota RUPS LB 16 Surat OJK No. S-13/ 22 Januari 2021 - 2019- 2024
Haniatunnisa,LLB., Member Desember 2019 PB.1/2021 tanggal 22 22 January 2021
MH Extraordinary GMS Januari 2021
on 16 December FSA Letter No. S-13/
2019 PB.1/2021 dated 22
January 2021
Dr. H. Agung Anggota RUPS LB 30 - - - 2021- 2024
Danarto, M.Ag*) Member Agustus 2021
Extraordinary GMS
on 30 August 2021
*)
Efektif setelah memperoleh persetujuan dari OJK | Effective after obtaining approval from FSA
RANGKAP JABATAN DEWAN PENGAWAS CONCURRENT POSITIONS OF THE SHARIA

SYARIAH SUPERVISORY BOARD
Mengenai rangkap jabatan DPS, Bank mengacu Regarding concurrent positions of the Sharia Supervisory
pada Peraturan Bank Indonesia No. 11/3/PBI/2009 Board, the Bank refers to Bank Indonesia Regulation
sebagaimana diubah dengan Peraturan Bank Indonesia No. 11/3/PBI/2009 as amended by Bank Indonesia Regulation
No. 15/3/PBI/2013 tentang Bank Umum Syariah Pasal 36 ayat No. 15/3/PBI/2013 on Sharia Commercial Banks Article
(2) yang menyebutkan anggota Dewan Pengawas Syariah 36 paragraph (2) which states that members of the Sharia
hanya dapat merangkap jabatan sebagai anggota Dewan Supervisory Board can only hold concurrent positions as
Pengawas Syariah paling banyak pada 4 (empat) lembaga members of the Sharia Supervisory Board at a maximum of
keuangan syariah lain. Ketentuan tersebut telah dipatuhi 4 (four) other sharia financial institutions. These provisions
oleh BMI, di mana DPS Bank merangkap jabatan sebagai have been complied with by BMI, where the Bank’s Sharia
anggota Dewan Pengawas Syariah tidak lebih dari 4 (empat) Supervisory Board concurrently serves as a member of the
lembaga keuangan syariah lain. Sharia Supervisory Board for no more than 4 (four) other
sharia financial institutions.

2021 Annual Report
Daftar Rangkap Jabatan Dewan Pengawas Syariah List of Concurrent Positions of the Sharia Supervisory
Board
Nama Jabatan Nama Perusahaan
Name Position Name of Company
Drs. H. Sholahudin Al Aiyub, M.Si Dewan Pengawas Syariah Indo Mobil Finance Indonesia Syariah
Dewan Pengawas Syariah PT Reasuransi Syariah Indonesia (ReINDO Syariah

Dewan Penasehat Syariah BP TAPERA

Sharia Advisor Board
Dewan Pengawas Syariah Bank Aladin Syariah

Hj. Siti Haniatunnisa,LLB., MH Dewan Pengawas Syariah PT BNI Life Insurance
Dewan Pengawas Syariah DPLK Syariah Muamalat

Dewan Pengawas Syariah PT Asuransi Jasindo Syariah

Dewan Pengawas Syariah PT Asuransi BRI Life

Dr. H. Agung Danarto, M.Ag*) - -
*)
INDEPENDENSI DEWAN PENGAWAS INDEPENDENCE OF THE SHARIA

DPS BMI senantiasa mengutamakan kepentingan Bank The Sharia Supervisory Board of BMI always puts the
di atas kepentingan pribadi dalam melaksanakan tugas interests of the Bank above personal interests in carrying out
pengawasannya. Komitmen tersebut memiliki tujuan agar its supervisory duties. This commitment aims to comply with
sesuai dengan prinsip syariah dan tidak dipengaruhi oleh sharia principles and is not influenced by any party.
pihak mana pun.
Seluruh anggota DPS merupakan pihak independen All members of the Sharia Supervisory Board are
yang tidak memiliki hubungan keuangan, kepengurusan, independent parties who have no financial, management,
kepemilikan saham dan/atau hubungan dengan Perseroan, share ownership and/or relationship with the Company,
Dewan Komisaris, Direksi atau Pemegang Saham. the Board of Commissioners, the Board of Directors or
Independensi Dewan Pengawas Syariah Bank digambarkan the Shareholders. The independence of the Bank’s Sharia
dalam tabel berikut ini. Supervisory Board is described in the following table.
Pernyataan Independensi Dewan Pengawas Syariah Independence Statement of the Sharia Supervisory
Board
Drs. H. Hj. Siti
Aspek Independensi Dr. H. Agung
Sholahudin Al Haniatunnisa,
Independence Aspect Danarto, M.Ag*)
Aiyub, M.Si LLB., MH
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi √ √ √
Have no financial relationship with the Boards of Commissioners and Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, √ √ √
maupun perusahaan afiliasi
Have no management relationship in the Company, its subsidiaries, or
affiliated companies
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, √ √ √
maupun perusahaan afiliasi
Have no management relationship in the Company, its subsidiaries, or
affiliated companies
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau √ √ √
sesama anggota Komite Nominasi, Remunerasi dan GCG
Have no any family relations with the Boards of Commissioners or Directors,
and/or fellow members of the Nomination, Remuneration and GCG
Committees
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah √ √ √
Have not served as a manager of political parties, officials and government
*)

KEPEMILIKAN SAHAM DEWAN SHARE OWNERSHIP OF THE SHARIA

PENGAWAS SYARIAH SUPERVISORY BOARD
DPS BMI tidak memiliki saham pada perusahaan. Hal The Sharia Supervisory Board of BMI does not own shares in
tersebut merupakan salah satu wujud independensi. the company. This is a form of independence. Thus, there is
Dengan demikian, tidak ada conflict of interest dalam proses no conflict of interest in the monitoring process carried out.
pengawasan yang dijalankan. Hingga berakhirnya tahun As of the end of the 2021 fiscal year, there are no Indonesian
buku 2021, tercatat tidak terdapat anggota DPS Indonesia Sharia Supervisory Board members who have shares in the
yang mempunyai saham pada Bank. Bank.
Pernyataan Kepemilikan Saham Dewan Pengawas Share Ownership Statement of the Sharia Supervisory
Syariah Board
Kepemilikan Saham (Lembar Saham)
Share Ownership (Number of Shares)
Nama Jabatan LJK-Non Bank
Name Position Bank Bank Lain Non-Bank Bank Lain
Muamalat Other Banks Financial Other Banks
Institution
Sholahudin Al-Aiyub Ketua DPS - - - -
Chairman
Anggota DPS - - - -
Siti Haniatunnisa
Member
Anggota DPS - - - -
Dr. H. Agung Danarto, M.Ag*)
Member
*)
PEMBAGIAN TUGAS DEWAN PENGAWAS DIVISION OF DUTIES OF THE SHARIA

Pembagian tugas di antara anggota DPS telah diatur dalam The division of tasks among members of the Sharia
Board Manual Dewan Pengawas Syariah Bank Muamalat Supervisory Board has been regulated in the Board Manual
Indonesia. Adapun tugas dari masing-masing jabatan ialah of the Sharia Supervisory Board of Bank Muamalat Indonesia.
sebagai berikut. The duties of each position are as follows.
Ketua Chairman
• Memimpin semua kegiatan anggota Dewan Pengawas • Lead all activities of members of the Sharia Supervisory
Syariah. Board.
• Menyusun program kerja pelaksanaan tugasnya. • Develop a work program for the implementation of their
duties.
• Memimpin rapat Dewan Pengawas Syariah. • Chair the Sharia Supervisory Board Meetings.
• Menetapkan pembagian tugas para anggota Dewan • Determine the distribution of duties of the members of
Pengawas Syariah. Sharia Supervisory Board.
Anggota Member
• Membantu Ketua Dewan Pengawas Syariah dalam • Assist the Chairman of the Sharia Supervisory Board in
melaksanakan tugasnya menurut pembidangan yang carrying out his duties according to the working area
telah ditetapkan oleh ketua Dewan Pengawas Syariah. that has been determined by the Chairman of the Sharia
Supervisory Board.
• Melakukan tugas-tugas lain yang diberikan oleh Ketua • Perform other tasks given by the Chairman of Sharia
Dewan Pengawas Syariah. Supervisory Board.
HUBUNGAN KERJA ANTARA DEWAN WORKING RELATIONSHIPS BETWEEN

PENGAWAS SYARIAH, DEWAN THE SHARIA SUPERVISORY BOARD,
KOMISARIS, DAN DIREKSI THE BOARD OF COMMISSIONERS, AND
Bank menciptakan hubungan kerja antara Dewan Pengawas The Bank creates a working relationship between the Sharia
Syariah, Dewan Komisaris dan Direksi yaitu hubungan check Supervisory Board, the Board of Commissioners and the
and balance yang memiliki tujuan akhir untuk kemajuan Board of Directors, namely a check and balance relationship,

2021 Annual Report
Bank serta pelaksanaan operasional Bank yang sesuai which has the ultimate goal of advancing the Bank and
dengan prinsip syariah dan senantiasa mematuhi peraturan implementing the Bank’s operations in accordance with
dan perundang-undangan yang berlaku, termasuk sharia principles and always complying with applicable laws
implementasi GCG. and regulations, including GCG implementation.
Sesuai dengan fungsinya masing-masing, Dewan Pengawas In accordance with their respective functions, the Sharia
Syariah, Dewan Komisaris dan Direksi memiliki tanggung Supervisory Board, and Boards of Commissioners, and
jawab untuk menjaga kelangsungan usaha Bank Muamalat Board of Directors have the responsibility to maintain the
dalam jangka panjang, yang tercermin pada: long-term business continuity of Bank Muamalat, which is
reflected in:
1. Terpeliharanya kesehatan Bank Muamalat Indonesia 1. Maintaining the soundness of Bank Muamalat Indonesia
sesuai prinsip kehati-hatian dan mematuhi (comply) in accordance with the principles of prudence and
terhadap prinsip syariah Islam serta peraturan dan complying with the principles of Islamic sharia as well as
perundang-undangan yang berlaku. the prevailing laws and regulations.
2. Terlaksananya dengan baik pengendalian internal 2. Proper implementation of internal control and risk
(internal control) dan manajemen risiko (risk management). management.
3. Terlindunginya kepentingan stakeholders secara wajar. 3. Appropriate protection for stakeholder interests.
4. Terpenuhinya pelaksanaan Good Corporate Governance. 4. The fulfilment of Good Corporate Governance.
5. Terlaksananya suksesi kepemimpinan dan kontinuitas 5. Implementation of leadership succession and continuity
Manajemen di semua lini organisasi. of Management in all levels of the organization.
KEBIJAKAN PENGAWASAN DEWAN SUPERVISION POLICY OF THE SHARIA

PENGAWAS SYARIAH SUPERVISORY BOARD
Dewan Pengawas Syariah dibantu oleh Sharia Compliance The Sharia Supervisory Board is assisted by a Sharia
Officer dalam menjalankan tugas pengawasannya, yang Compliance Officer in carrying out its supervisory duties,
berfungsi sebagai liaison officer yang antara lain bertugas as a liaison officer who, among other things, is assigned to
untuk mendokumentasikan rincian kegiatan dengan baik properly document the details of activities into supervisory
ke dalam kertas kerja pengawasan. Kertas kerja tersebut working papers. The working paper is then written in the
kemudian dituangkan dalam Laporan Pengawasan Dewan Semester Sharia Supervisory Board Supervisory Report
Pengawas Syariah periode semesteran yang disampaikan submitted to the Board of Directors of Bank Muamalat
kepada Direksi Bank Muamalat Indonesia, DSN-MUI dan Indonesia, DSN-MUI and Financial Services Authority.
Otoritas Jasa Keuangan.
RAPAT DEWAN PENGAWAS SYARIAH MEETING OF THE SHARIA SUPERVISORY

BOARD
Bank mengatur penyelenggaraan rapat DPS paling kurang The Bank regulates the implementation of the Sharia
1 (satu) kali dalam 1 (satu) bulan, sesuai dengan Peraturan Supervisory Board meetings at least 1 (one) time in 1 (one)
Bank Indonesia No. 11/33/PBI/2009 tentang Pelaksanaan month, in accordance with Bank Indonesia Regulation
Good Corporate Governance bagi Bank Umum Syariah dan No. 11/33/PBI/2009 on the Implementation of Good
Unit Usaha Syariah dan Board Manual Bank Muamalat Corporate Governance for Sharia Commercial Banks and
Indonesia. Sharia Business Units as well as the Board Manual of Bank
Muamalat Indonesia.
Materi-materi yang dibahas dalam rapat Dewan Pengawas The materials discussed in the Sharia Supervisory Board
Syariah telah diatur di dalam Board Manual Dewan Pengawas meetings have been regulated by the Board Manual of Bank
Syariah Bank Muamalat Indonesia, di antaranya: Muamalat Indonesia Sharia, among others:
1. Hal-hal yang berkaitan dengan pengembangan produk 1. Matters relating to the development of new products
baru dan hasil review produk yang telah ada, antara lain and the review results of existing product, including
mengenai tujuan, karakteristik dan akad yang digunakan the objectives, characteristics, and contracts used in
sesuai dengan prinsip syariah. accordance with sharia principles.
2. Pengajuan aktivitas baru dan review aktivitas Bank yang 2. Submission of new activities and reviews of Bank
telah berjalan dari aspek syariah. activities that have been running from the sharia aspect.
3. Permasalahan yang timbul akibat aktivitas Bank yang 3. Issues arising from Bank activities requiring opinion from
membutuhkan opini dari DPS. the Sharia Supervisory Board.
4. Hasil temuan syariah dari auditor, baik auditor eksternal 4. Sharia findings from both external and internal auditors.
maupun auditor internal.

Pengambilan keputusan di dalam rapat Dewan Pengawas Decision making in the Sharia Supervisory Board meeting
Syaria, dilakukan berdasarkan musyawarah mufakat. is carried out based on deliberation and consensus. In the
Apabila terdapat perbedaan pendapat, maka perbedaan event that there is a difference of opinion, the difference of
pendapat tersebut dicantumkan dalam risalah rapat beserta opinion is stated in the minutes of the meeting and stating
alasannya. the reasons.
Frekuensi dan rekapitulasi kehadiran anggota Dewan The frequency and recapitulation of attendance of members
Pengawas Syariah pada rapat disajikan dalam Sub Bab Rapat of the Sharia Supervisory Board at meetings are presented in
Dewan Pengawas Syariah, Dewan Komisaris dan Direksi. the Sub-Chapter Meetings of the Sharia Supervisory Board,
Board of Commissioners, and Board of Directors.
FREKUENSI DAN TATA CARA PEMBERIAN FREQUENCY AND PROCEDURE FOR

NASIHAT DAN SARAN SERTA PROVIDING ADVICE AND SUGGESTIONS
PENGAWASAN PEMENUHAN PRINSIP AS WELL AS SUPERVISION OF SHARIA
SYARIAH DI PASAR MODAL PRINCIPLE COMPLIANCE IN THE CAPITAL
MARKET
Sepanjang tahun 2021, Dewan Pengawas Syariah telah During 2021, the Sharia Supervisory Board held 12 (twelve)
melaksanakan 12 (dua belas) kali rapat rutin. Selain itu, regular meetings. In addition, the Sharia Supervisory Board
Dewan Pengawas Syariah melakukan uji petik terhadap 16 conducted a sampling test on 16 (sixteen) branch offices as a
(enam belas) kantor cabang sebagai bentuk pengawasan di form of supervision in the field.
lapangan.
Dalam memberikan nasihat, saran, serta pengawasan, In providing advice, suggestions, and supervision, the Sharia
Dewan Pengawas Syariah melakukannya dengan tata cara Supervisory Board conducts it with the following manner:
sebagai berikut:
a. Melakukan rapat rutin setiap bulan. a. Conduct regular meetings every month.
b. Memberikan opini atas produk/aktivitas dan program b. Provide opinions on new products/activities and
baru yang diterbitkan oleh unit bisnis. programs issued by the business unit.
c. Melakukan uji petik terhadap kegiatan operasional c. Conduct sampling tests on operational activities of
penyaluran dan penghimpunan dana. channelling and raising funds.
d. Memberikan sharing knowledge terkait aspek syariah d. Provide regular sharing of knowledge related to aspects
secara berkala ke semua level. of sharia to all levels.
e. Memberikan advise dalam hal peningkatan akhlaqul e. Provide advice in terms of improving the morality of the
karimah. akhlaqul karimah.
PELAKSANAAN KEGIATAN DEWAN IMPLEMENTATION OF ACTIVITIES OF THE

PENGAWAS SYARIAH TAHUN 2021 SHARIA SUPERVISORY BOARD IN 2021
Laporan Pengawasan Dewan Pengawas Syariah, wajib The Sharia Supervisory Board Supervisory Report must
disampaikan oleh Dewan Pengawas Syariah kepada be submitted by the Sharia Supervisory Board to the
manajemen Bank Muamalat setiap 6 (enam) bulan sekali. management of Bank Muamalat once every 6 (six) months.
Selanjutnya, laporan tersebut disampaikan kepada DSN-MUI Furthermore, the report is submitted to DSN-MUI and the
dan Otoritas Jasa Keuangan oleh manajemen Bank. Financial Services Authority by the Bank’s management.
Laporan Pengawasan Dewan Pengawas Syariah semester The Supervisory Report of the Sharia Supervisory Board
I-2021 telah disampaikan kepada Otoritas Jasa Keuangan for semester I-2021 has been submitted to the Financial
melalui surat Bank Muamalat No. 094/B/CRD-SRT/VIII/2021 Services Authority through Bank Muamalat letter No. 094/B/
tanggal 26 Agustus 2021. Sementara Laporan Pengawasan CRD-SRT/VIII/2021 dated August 26, 2021. Furthermore,
DPS semester II-2021 telah disampaikan kepada Otoritas the Supervisory Report of the Sharia Supervisory Board
Jasa Keuangan melalui surat Bank Muamalat Indonesia for semester II-2021 has been submitted to the Financial
No. 022/B/CRD-SRT/II/2022 tanggal 21 Februari 2022. Services Authority through Bank Muamalat Indonesia letter
No. 022/B/CRD-SRT/II/2022 dated February 21, 2022.
Aktivitas pengawasan Dewan Pengawas Syariah mencakup The supervisory activities of the Sharia Supervisory Board
pengawasan terhadap pelaksanaan prinsip syariah dalam include supervision of the implementation of sharia
kegiatan penghimpunan dana dan penyaluran dana serta principles in the activities of raising and channelling funds

2021 Annual Report
pelayanan jasa. Dalam melakukan pengawasan, Dewan as well as providing services. In conducting supervision,
Pengawas Syariah dibantu 3 (tiga) liasion officer dari Unit the Sharia Supervisory Board is assisted by 3 (three) liaison
Kepatuhan Syariah. officers from the Sharia Compliance Unit.
Berikut adalah rincian pengawasan Dewan Pengawas Syariah The following are details of the supervision of the Sharia
terhadap pelaksanaan prinsip syariah dalam kegiatan Supervisory Board on the implementation of sharia
penghimpunan dan penyaluran dana serta pelayanan jasa principles in collecting and channelling funds as well as
yang dilakukan sepanjang tahun 2021. service activities completed throughout 2021.
Pengawasan terhadap Penghimpunan Dana Supervision of Fund Raising

Sepanjang 2021, Dewan Pengawas Syariah melakukan Throughout 2021, the Sharia Supervisory Board supervised
pengawasan atas produk penghimpunan dana Bank Bank Muamalat Indonesia’s fund raising products. Through
Muamalat Indonesia. Dari pengawasan tersebut, this supervision, the fundraising products are in accordance
produkproduk penghimpunan dana telah sesuai dengan with the DSN-MUI fatwa.
fatwa DSN-MUI.
Produk Penghimpunan Dana Fund Raising Products

Jenis Produk Nama Produk
Type of Product Name of Product
Tabungan • Tabungan iB Hijrah
Savings • Tabungan iB Hijrah Haji
• Tabungan iB Hijrah Rencana
• Tabungan iB Hijrah Valas
• Tabungan iB Hijrah Prima
• Tabungan iB Hijrah Bisnis
• Tabungan iB Muamalat Sahabat
• TabunganKu
• Tabungan Simple iB
Giro • Giro iB Hijrah
Current Accounts • Giro iB Hijrah Ultima
Deposito Deposito iB Hijrah
Deposits
Pengawasan terhadap Penyaluran Dana Supervision of Financing Activities

Sesuai dengan laporan pengawasan Dewan Pengawas In accordance with the supervisory report of the Sharia
Syariah selama tahun 2021, Dewan Pengawas Syariah Supervisory Board for 2021, the Sharia Supervisory Board
melakukan pengawasan terhadap produk penyaluran dana supervises the product distribution of Bank Muamalat
Bank Muamalat Indonesia. Dari pengawasan tersebut, Indonesia funds. From this supervision, financing products
produk-produk penyaluran dana telah sesuai dengan fatwa are in accordance with the DSN-MUI fatwa. The following are
DSN-MUI. Berikut adalah produk penyaluran dana tersebut. the products for the distribution of funds.
Produk Penyaluran Dana Financing Products

Produk Pembiayaan • KPR iB Hijrah
Financing Product • Multiguna iB Hijrah
• iB Asset Refinance Hijrah
• iB Investasi Hijrah
• iB Properti Bisnis Hijrah
• iB Modal Kerja Hijrah
• iB Modal Kerja Konstruksi Developer Hijrah
• iB Modal Kerja kepada LKS Hijrah
• iB Pembiayaan Rekening Koran Syariah Hijrah
• iB Koperasi Segmen Konsumer Hijrah
• iB Multifinance Hijrah
• Pembiayaan Pro Hajj
Pengawasan terhadap Layanan Supervision on Services

Sesuai dengan laporan pengawasan Dewan Pengawas In accordance with the supervisory report of the Sharia
Syariah selama tahun 2021, Dewan Pengawas Syariah Supervisory Board during 2021, the Sharia Supervisory
melakukan pengawasan terhadap layanan Bank Muamalat Board supervises the services of Bank Muamalat Indonesia.
Indonesia. Dari pengawasan tersebut, layanan-layanan From this supervision, these services are in accordance with
tersebut telah sesuai dengan fatwa DSN-MUI. the DSN-MUI fatwa.

Layanan Bank Muamalat Indonesia Services of Bank Muamalat Indonesia

Remittance • Remittance iB Muamalat
• Remittance BMI – National Commercial Bank
Trade Finance • Bank Garansi | Bank Guarantee
• Trade Finance – Ekspor | Trade Finance – Export
• Trade Finance – Impor | Trade Finance – Import
• SBLC (Standby L/C)
• Letter of Credit
• Produk/Layanan untuk Perdagangan Dalam Negeri SKBDN (Surat Kredit Berdokumen Dalam Negeri) |
Products/Services for Domestic Trade SKBDN (Domestic Letter of Credit)
Layanan Corporate • Layanan Muamalat Cash Management-MADINA | Mualamat Cash Management-MADINA services
Corporate Services • Jasa Layanan Escrow | Escrow Services
• Layanan Cash Pick-up and Delivery | Cash Pick-up and Delivery services
e-Banking • Mobile Banking Muamalat | Muamalat Mobile Banking
• Internet Banking Muamalat | Muamalat Internet Banking
• ATM Muamalat | Muamalat ATM
• Gerai Muamalat | Muamalat Outlet
• Layanan Host to Host Web Service | Host to Host Web Services
• Kartu ATM/Debit Shar-e | ATM/Shar-e Debit Cards
Layanan 24 Jam • Salam Muamalat
24 Hour Services • Virtual Account
Layanan Treasury • Muamalat Foreign Exchange (FX)
Treasury Services • Muamalat Multicurrency
• Money Market & Fixed Income
• Lindung Nilai Sederhana | Simple Hedging
• Lindung Nilai Kompleks | Complex Hedging
Layanan Investasi dan Wealth • Muamalat Investment Service
Management • Bancassurance
Investment and Wealth • Layanan Muamalat Prioritas | Muamalat Priority Services
Management Services • Safe Deposit Box
Pengawasan terhadap Usulan Produk/ Pengawasan terhadap Usulan Produk/

Aktivitas Baru Aktivitas Baru
Dewan Pengawas Syariah melalui Liasion Officer (Sharia The Sharia Supervisory Board through the Liasion Officer
Compliance) telah melakukan kajian dan pembahasan usulan (Sharia Compliance) has reviewed and discussed the
produk/aktivitas baru sebagai berikut: following new product/ activity proposals:
1. Produk Fisik Emas Digital 1. Physical Digital Gold Products
2. Vendor Payment iB 2. iB Payment
3. Kartu Shar-E Debit Visa Paywave atau Contactless 3. Paywave or Contactless Shar-E Visa Debit Card
4. Commodity Murabahah Financing iB Cabang Kuala 4. Commodity Murabahah Financing iB Kuala Lumpur
Lumpur Branch
Uji Petik dan Kunjungan Dewan Pengawas Sampling Test and Visits of the Sharia
Syariah Supervisory Board
Uji petik juga dilakukan oleh Dewan Pengawas Syariah The sampling test is also carried out by the Sharia Supervisory
dengan cara berkunjung, mengamati dan/atau sharing Board by visiting, observing and/or sharing sessions with
session dengan karyawan di beberapa Kantor Cabang employees at several Bank Muamalat Indonesia Branch
Bank Muamalat Indonesia. Dewan Pengawas Syariah juga Offices. The Sharia Supervisory Board also examines
memeriksa dokumen-dokumen transaksi untuk memastikan transaction documents to ensure that compliance with
pemenuhan prinsip syariah telah terlaksana. sharia principles has been implemented.
Pemeriksaan tersebut dilakukan dengan metode uji petik The examination was carried out using a sampling method
yang dibantu oleh Unit Kepatuhan Syariah sebagai liaison assisted by the Sharia Compliance Unit as a liaison officer
officer Dewan Pengawas Syariah. Melanjutkan metode uji for the Sharia Supervisory Board. Continuing the sampling
petik tahun 2020, pada tahun 2021, uji petik dilakukan masih method in 2020, in 2021, the sampling test was carried out
dilakukan secara virtual dan online sebagai antisipasi dari virtually and online in anticipation of the COVID-19 pandemic.
kondisi pandemi COVID-19.

2021 Annual Report
Kegiatan Uji Petik Dewan Pengawas Syariah Sampling Test Activity of the Sharia Supervisory Board
Tanggal
Cabang/Unit Kerja Branch/ Work Unit
Date
28 April-12 Mei 2021 Kantor Cabang KH Mas Mansyur KH Mas Mansyur Branch Office
April 28-May 12, 2021
Kantor Cabang Sungkono Sungkono Branch Office
Kantor Cabang Makassar Makassar Branch Office
Kantor Cabang Kendari Kendari Branch Office
Kantor Cabang Denpasar Denpasar Branch Office
Kantor Cabang Kediri Kediri Branch Office
Kantor Cabang Ternate Ternate Branch Office
Kantor Cabang Sorong Sorong Branch Office
12 Oktober-29 Oktober 2021 Kantor Cabang Kalimas Kalimas Branch Office
October 12-October 29, 2021
Kantor Cabang Cipulir Cipulir Branch Office
Kantor Cabang Buaran Buaran Branch Office
Kantor Cabang Cengkareng Cengkareng Branch Office
Kantor Cabang BSD BSD Branch Office
Kantor Cabang Surabaya Darmo Surabaya Darmo Branch Office
Kantor Cabang Malang Malang Branch Office
Kantor Cabang Palangkaraya Palangkaraya Branch Office
REVIEW, ENDORSEMENT ATAS KEBIJAKAN, REVIEW, ENDORSEMENT OF POLICIES,

DAN STANDARD OPERATIONAL PROCEDURE AND STANDARD OPERATIONAL
(SOP) PROCEDURE (SOP)
Hingga 31 Desember 2021, Dewan Pengawas Syariah Up to December 31, 2021, the Sharia Supervisory Board
melakukan review dan/atau endorsement terhadap kebijakan reviewed and/or endorsed the policies and procedures of
dan prosedur Bank Muamalat agar sesuai dengan fatwa Bank Muamalat to be in compliance with the fatwa of DSN-
DSN-MUI yang dibantu oleh Unit Kepatuhan Syariah. Adapun MUI, assisted by the Sharia Compliance Unit. The policies and
kebijakan dan Standard Operational Procedure (SOP) yang Standard Operational Procedures (SOP) that are of concern
menjadi perhatian Dewan Pengawas Syariah yakni: to the Sharia Supervisory Board are:
1. Kebijakan Umum Tresuri 1. General Policy of Treasury
2. Prosedur Standar Pelaksanaan Akad Pembiayaan 2. Standard Operating Procedure of Financing Contracts

Dewan Komisaris
Dewan Komisaris ialah salah satu struktur tata kelola The Board of Commissioners is part of the Bank’s corporate
perusahaan Bank yang memiliki tugas pengawasan secara governance structure which has general and/or specific
umum dan/atau khusus sesuai dengan Anggaran Dasar, supervisory duties in accordance with the Articles of
memberi nasihat kepada Direksi serta memastikan Bank Association, provides advice to the Board of Directors and
Muamalat telah melaksanakan prinsip-prinsip Tata Kelola ensures that Bank Muamalat has implemented the principles
Perusahaan yang Baik. Terkait dengan pengangkatan dan of Good Corporate Governance. Appointment and dismissal,
pemberhentian serta penetapan akan masa jabatan anggota as well as determination of the terms of office of members of
Dewan Komisaris dilaksanakan di dalam RUPS Oleh karena the Board of Commissioners, are held at the GMS. Therefore,
itu, Dewan Komisaris melaporkan hasil pengawasannya the Board of Commissioners reports the results of its
kepada RUPS yang dihadiri oleh para Pemegang Saham. supervision to the GMS, which is attended by Shareholders

Bank memiliki sejumlah acuan yang dijadikan dasar hukum The Bank has a number of references that are used
untuk pengangkatan Dewan Komisaris yaitu: as the legal basis for the appointment of the Board of
Commissioners, namely:
1. Undang-Undang Republik Indonesia No. 40 Tahun 2007 1. Law of the Republic of Indonesia No. 40 of 2007 on
tentang Perseroan Terbatas Limited Liability Companies
2. Undang-Undang Republik Indonesia No. 21 Tahun 2008 2. Law of the Republic of Indonesia No. 21 of 2008 on Sharia
tentang Perbankan Syariah Banking
3. Peraturan Bank Indonesia No. 14/6/PBI/2012 tanggal 18 3. Bank Indonesia Regulation No. 14/6/PBI/2012 dated 18
Juni 2012 tentang Uji Kemampuan dan Kepatutan (Fit and June 2012 on Fit and Proper Test of Sharia Banks and
Proper Test) Bank Syariah dan Unit Usaha Syariah Sharia Business Units
5. Peraturan Otoritas Jasa Keuangan No. 33/POJK.04/2014 5. Financial Services Authority Regulation No. 33/
tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 on Board of Directors and Board of
Perusahaan Publik Commissioners of Issuers or Public Companies
6. Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 6. Financial Services Authority Regulation No.27/
tentang Penilaian Kemampuan & Kepatutan bagi Pihak POJK.03/2016 on Fit and Proper Assessment for Main
Utama Lembaga Jasa Keuangan Parties of Financial Service Institutions
tentang Pemanfaatan Tenaga Kerja Asing dan Program POJK.03/2017 on Utilization of Foreign Workers and
Alih Pengetahuan di Sektor Perbankan. Transfer of Knowledge Program in the Banking Sector.
8. Anggaran Dasar Bank Muamalat Indonesia. 8. Articles of Association of Bank Muamalat Indonesia.
9. Akta tertanggal 17 Mei 2019 No. 29 dibuat dihadapan 9. Deed dated May 17, 2019 No. 29 made before Notary
Notaris Utiek R. Abdurachman dan pemberitahuan atas Utiek R. Abdurachman and notification of changes to
perubahan data perseroan telah diterima dan dicatat the company’s data has been received and registered by
oleh Menteri Hukum dan Hak Asasi Manusia Republik the Minister of Law and Human Rights of the Republic
Indonesia sesuai suratnya tertanggal 28 Mei 2019 of Indonesia in accordance with the letter dated May 28,
No. AHU-AH.01.03-0283340. 2019 No. AHU-AH.01.03-0283340.

2021 Annual Report
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES

Bank Muamalat telah mengatur tugas dan tanggung jawab Bank Muamalat has set the duties and responsibilities of the
Dewan Komisaris antara lain sebagai berikut: Board of Commissioners, including:
1. Melakukan tugas dan tanggung jawab sesuai dengan 1. Carry out duties and responsibilities in accordance with
prinsip-prinsip GCG. the GCG principles.
2. Memiliki pedoman dan tata tertib kerja yang bersifat 2. Have a work guideline and code of conduct which is
mengikat bagi setiap anggota Dewan Komisaris binding for each member of the Board of Commissioners
yang paling kurang mencantumkan waktu kerja dan and which at least includes working hours and meeting
pengaturan rapat. arrangements.
3. Mengawasi terselenggaranya pelaksanaan GCG dalam 3. Supervise the implementation of GCG in every
setiap kegiatan usaha Bank pada seluruh tingkatan atau business activity of the Bank at all levels or ranks of the
jenjang organisasi. organization.
4. Tunduk pada ketentuan peraturan perundang-undangan 4. Comply with the prevailing laws and regulations, the
yang berlaku, Anggaran Dasar Bank dan keputusan Articles of Association of the Bank and resolutions of the
RUPS. GMS.
5. Beritikad baik, dengan prinsip kehati-hatian dan 5. Have good faith in carrying out duties with prudential
bertanggung jawab dalam menjalankan tugas untuk principles and responsibility for the interests and
kepentingan dan usaha bank, dengan berupaya untuk business of the bank, by striving to take action to
mengambil tindakan dalam mencegah timbul atau prevent the occurrence or continuation of losses and/or
berlanjutnya kerugian dan/atau terjadinya kepailitan. bankruptcy.
6. Mengawasi kebijakan Direksi dalam melaksanakan 6. To supervise the policies of the Board of Directors in
pengurusan Bank termasuk pelaksanaan ketentuan managing the Bank, including the implementation of
ketentuan Anggaran Dasar dan keputusan Rapat Umum the provisions of the Articles of Association and General
Pemegang Saham dan peraturan perundang-undangan Meeting of Shareholders decisions and prevailing laws
yang berlaku. and regulations.
7. Mengawasi Direksi untuk memastikan Direksi mematuhi 7. Supervise the Board of Directors to ensure that the Board
ketentuan internal Bank dan memberi nasihat kepada of Directors complies with the Bank’s internal regulations
Direksi dalam melaksanakan pengurusan Bank. and provide advice to the Board of Directors in carrying
out the management of the Bank.
8. Memberikan pendapat dan saran kepada Direksi dan 8. Provide opinions and suggestions to the Board of
segenap jajarannya berkaitan dengan pengurusan Bank. Directors and all staff in relation to the management of
9. Memberikan pendapat dan saran kepada Direksi dan the Bank.
segenap jajarannya berkaitan dengan penyusunan Visi, 9. Provide opinions and suggestions to the Board of
Misi serta rencana-rencana strategis Bank Muamalat Directors and all staff in preparing the Vision, Mission
lainnya seperti yang diatur dalam Anggaran Dasar. and other strategic plans of Bank Muamalat Indonesia as
stipulated in the Articles of Association.
10. Memberikan pendapat dan saran serta pengesahan 10. Provide opinions and suggestions as well as endorsement
mengenai rencana bisnis Bank yang diusulkan Direksi. of the Bank’s business plan proposed by the Board of
Directors.
11. Meneliti dan menelaah atas laporan-laporan dari Direksi 11. Conduct research and review on reports from the Board
dan segenap jajarannya, terutama yang berkaitan of Directors and all its subordinate ranks, especially
dengan tugas-tugas spesifik yang telah diputuskan those related to specific tasks that have been jointly
bersama. decided.
12. Meneliti dan menelaah laporan-laporan dari Komite- 12. Examine and analyze reports from Committees under
komite yang ada di bawah Dewan Komisaris. the Board of Commissioners.
13. Mengikuti perkembangan kegiatan Bank, baik dari 13. Keep abreast of the Bank’s activities, both from internal
informasi-informasi internal yang disediakan oleh information provided by management and from external
manajemen maupun dari informasi-informasi eksternal information from the media as well as other sources.
yang berasal dari media maupun dari sumber-sumber
lainnya.
14. Menghadiri rapat-rapat kerja/koordinasi dengan Direksi 14. Attend work/coordination meetings with the Board of
dan segenap jajarannya. Directors and all staff.
15. Melakukan usaha-usaha untuk memastikan bahwa 15. Make efforts to ensure that the Board of Directors
Direksi dan jajarannya telah mematuhi ketentuan and staff have complied with statutory regulations in
perundang-undangan serta peraturan-peraturan lainnya managing Bank Muamalat Indonesia
dalam mengelola Bank Muamalat Indonesia.

16. Menyusun rencana kerja Dewan Komisaris untuk periode 16. Prepare a work plan for the Board of Commissioners for
tahun berjalan. the current year.
17. Memantau dan mengevaluasi pelaksanaan kebijakan 17. Monitor and evaluate the implementation of the Bank’s
strategis Bank. strategic policies.
18. Memantau efektivitas praktik Good Corporate Governance 18. Monitor the effectiveness of Good Corporate Governance
antara lain dengan mengadakan pertemuan berkala practices, among others by holding regular meetings
antara Dewan Komisaris dengan Direksi untuk between the Board of Commissioners and the Board
membahas implementasi Good Corporate Governance. of Directors to discuss the implementation of Good
Corporate Governance.
19. Membentuk paling kurang Komite Pemantau Risiko, 19. Establish a Risk Monitoring Committee, Nomination
Komite Nominasi dan Remunerasi, Komite Audit, Komite and Remuneration Committee, Audit Committee,
Tata Kelola Perusahaan dan memastikan komite yang Corporate Governance Committee, and ensuring that
telah dibentuk menjalankan tugasnya secara efektif. the committees that have been established carry out
their duties effectively.
20. Dewan Komisaris wajib independen dalam menjalankan 20. In carrying out its duties and responsibilities, the Board
tugas dan tanggung jawabnya, dalam arti melaksanakan of Commissioners must be independent, meaning that it
tugas secara obyektif dan bebas dari tekanan serta carries out its duties objectively and free from pressure
kepentingan pihak mana pun, termasuk dalam hubungan and interests of any party, including relationships with
satu sama lain maupun hubungan dengan Direksi. each other as well as relationships with the Board of
Directors.
21. Wajib melakukan pengawasan aktif terhadap 21. Obliged to carry out active supervision of the
pelaksanaan Fungsi Kepatuhan. implementation of the Compliance Function.
22. Menyetujui kebijakan APU & PPT serta mengawasi 22. Approve the AML & CFT policies and supervise the
pelaksanaan program APU & PPT. implementation of AML & CFT programs.
23. Melakukan kajian atas efektivitas sistem pengendalian 23. Assess the effectiveness of the internal control system
internal, dengan menilai kompetensi dan jumlah sumber by assessing the competence and amount of resources,
daya, ruang lingkup tugas dan kewenangan serta the scope of duties and authorities, as well as the
independensi dari Auditor Intern sesuai dengan Standar independence of Internal Auditor in accordance with
Pelaksanaan Fungsi Audit Intern Bank Umum (SPFAIB) the Implementation Standards for the Internal Audit
yang diterbitkan/dikeluarkan oleh Bank Indonesia/ Function for Commercial Banks (SIAFCB) published/
Otoritas Jasa Keuangan. issued by Bank Indonesia/ Financial Services Authority
24. Melakukan kajian atas efektivitas pelaksanaan tugas 24. Assess the effectiveness of the External Auditor’s
Auditor Eksternal, dengan menilai kompetensi, duties by assessing the External Auditor’s competence,
independensi serta ruang lingkup tugas Auditor independence, and scope of duties.
Eksternal.
HAK DAN WEWENANG RIGHTS AND AUTHORITIES

Dewan Komisaris BMI juga memiliki hak dan wewenang di BMI’s Board of Commissioners also has rights and authorities
samping tugas dan tanggung jawabnya, yaitu: in addition to its duties and responsibilities, namely:
1. Hak meminta penjelasan dan menanyakan segala 1. Right to request an explanation and to question
hal yang berhubungan dengan tugas-tugas Dewan all matters related to the duties of the Board of
Komisaris dan Direksi, dan Direksi wajib menyampaikan Commissioners and the Board of Directors. The Board
penjelasan tentang segala hal yang ditanyakan oleh of Directors is obliged to provide an explanation on all
Dewan Komisaris. matters required by the Board of Commissioners.
2. Hak meminta semua keterangan yang berkenaan dengan 2. Right to request all information related to the Bank
Bank kepada Direksi dan Direksi harus memberikan from the Board of Directors and the Board of Directors
semua keterangan yang berkenaan dengan Bank must provide all information as required by members
sebagaimana diperlukan para anggota Dewan Komisaris of the Board of Commissioners through the Board of
melalui Dewan Komisaris. Commissioners.
3. Pembagian kerja dan keanggotaan Komite di antara para 3. The division of work and membership of Committee
Anggota Komisaris diatur oleh anggota Dewan Komisaris among members of the Commissioners is regulated by
sendiri dan untuk kelancaran tugasnya Dewan Komisaris members of the Board of Commissioners, as for the
dapat dibantu oleh Sekretaris yang diangkat oleh Dewan smooth running of duties, the Board of Commissioners
Komisaris. can be assisted by a Secretary who is appointed by the

2021 Annual Report
4. Pada setiap waktu Dewan Komisaris berdasarkan 4. At any time, the Board of Commissioners based on a
suatu keputusan Rapat Dewan Komisaris dapat resolution of the Board of Commissioners Meeting may
memberhentikan untuk sementara waktu anggota temporarily dismiss a member of the Board of Directors
Direksi dari jabatannya dengan menyebutkan alasannya, from his/her position by stating the reasons as outlined
dengan ketentuan sebagaimana diuraikan dalam in the Limited Liability Company Law.
Undang-undang Perseroan Terbatas.
5. Berdasarkan keputusan rapat Dewan Komisaris, 5. Based on the resolution of the Board of Commissioners
Dewan Komisaris berwenang memberikan kekuasaan meeting, the Board of Commissioners has the authority
sementara untuk menjalankan tindakan pengurusan to grant temporary power to one or more Commissioners
Bank dan mewakili Bank terhadap pihak lain kepada to carry out the management of the Bank and represent
seseorang atau lebih di antara mereka atas tanggungan the Bank with other parties at the discretion of the Board
Dewan Komisaris, jika oleh sebab apa pun jabatan of Commissioners if, for whatever reason, the position of
anggota Direksi lowong dan/atau Bank tidak mempunyai the member of the Board of Directors is vacant and/or
seorang pun anggota Direksi. the Bank does not have a single member of the Board of
Directors.
6. Tiap anggota Dewan Komisaris memiliki hak untuk 6. Each member of the Board of Commissioners has the
menerima honorarium dan tunjangan lain sesuai right to receive an honorarium and other allowances as
yang ditetapkan sesuai dengan Anggaran Dasar atau determined in accordance with the Articles of Association
keputusan Rapat Umum Pemegang Saham. or the resolution of the General Meeting of Shareholders.
PEDOMAN KERJA/PIAGAM DEWAN WORK GUIDELINES/ CHARTER OF THE

Piagam Dewan Komisaris dimiliki oleh Dewan Komisaris Bank The Charter of Board of Commissioners is established by the
sebagai pedoman kerja yang ditujukan untuk memudahkan Bank’s Board of Commissioners as a work guideline aimed
Dewan Komisaris dalam menjalankan tugas dan fungsinya. to facilitate the Board of Commissioners in carrying out its
Pedoman tersebut dievaluasi dan diperbarui secara berkala duties and functions. These guidelines are evaluated and
dengan mengacu pada peraturan dan ketentuan yang updated regularly with reference to the applicable rules and
berlaku di Indonesia. regulations in Indonesia.
Pedoman dan tata tertib kerja tersebut bersifat mengikat These guidelines and work rules are binding for each
bagi setiap anggota Dewan Komisaris agar dapat member of the Board of Commissioners in order to carry out
melaksanakan fungsi pengawasan secara efisien, efektif, the supervisory function efficiently, effectively, transparently,
transparan, independen dan akuntabel. Bank menggunakan independently and accountably. The Bank uses the following
acuan berikut sebagai dasar penyusunan pedoman dan tata references as the basis to formulate the work guidelines and
tertib kerja, yaitu: procedures, namely:
1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 on Limited Liability Companies;
Terbatas; 2. FSA Regulation and FSA Circular Letter on the
2. Peraturan OJK dan Surat Edaran OJK terkait penerapan implementation and organs of Corporate Governance;
dan organ Tata Kelola Perusahaan; dan and
3. Anggaran Dasar Bank 3. The Bank’s Articles of Association
Adapun isi dari Piagam Dewan Komisaris BMI mencakup: The contents of the BMI Board of Commissioners Charter
include:
1. Fungsi 1. Functions
2. Komposisi dan Persyaratan 2. Composition and Requirements
3. Pengangkatan dan Masa Jabatan 3. Appointment and Term of Office
4. Rangkap Jabatan 4. Concurrent Positions
5. Pengunduran Diri dan Pemberhentian 5. Resignation and Termination
6. Komisaris Independen 6. Independent Commissioner

7. Program Orientasi dan Peningkatan Kapabilitas 7. Orientation and Capability Improvement Program
8. Etika Jabatan 8. Corporate Ethics
9. Tugas dan Kewajiban Dewan Komisaris 9. Duties and Obligations of the Board of Commissioners
10. Hak dan Wewenang Dewan Komisaris 10. Rights and Authorities of the Board of Commissioners
11. Rapat Dewan Komisaris 11. Meetings of the Board of Commissioners
12. Hubungan Kerja antara Dewan Komisaris dan Direksi 12. Working Relationship between the Board of
Commissioners and the Board of Directors
13. Evaluasi Kinerja Dewan Komisaris 13. Performance Assessment of the Board of Commissioners
14. Komite-komite Dewan Komisaris 14. Committees of the Board of Commissioners
15. Sekretaris Dewan Komisaris 15. Secretary to the Board of Commissioners
KRITERIA DEWAN KOMISARIS CRITERIA FOR THE BOARD OF

COMMISSIONERS
Berikut adalah kriteria Dewan Komisaris yang telah The following are criteria for the Board of Commissioners set
ditetapkan oleh Bank Muamalat: by Bank Muamalat:
1. Memiliki akhlak, moral, dan integritas yang baik. 1. Have good character, morals and integrity.
2. Cakap melakukan perbuatan hukum. 2. Capable of taking legal actions.
3. Dalam lima tahun sebelum pengangkatan tidak pernah 3. In the five years prior to appointment, they were never a
menjadi anggota Direksi dan atau anggota Dewan member of the Board of Directors and/or a member of
Komisaris yang selama menjabat: the Board of Commissioners during their tenure:
i. Pernah tidak menyelenggarakan RUPS tahunan. i. Failed to implement the annual GMS.
ii. Pertanggungjawabannya sebagai anggota Direksi ii. Had his/her responsibilities as member of the
dan atau anggota Dewan Komisaris pernah tidak Board of Directors and/or Board of Commissioners
diterima oleh RUPS atau pernah tidak memberikan not accepted by the GMS or has never given
pertanggungjawaban sebagai anggota Direksi dan accountability as member of the Board of Directors
atau anggota Dewan Komisaris kepada RUPS. and/or Board of Commissioners to the GMS.
iii. Pernah menyebabkan perusahaan yang iii. Cause a company that obtained a license, approval,
memperoleh izin, persetujuan, atau pendaftaran dari or registration from the Financial Services Authority
Otoritas Jasa Keuangan tidak memenuhi kewajiban to fail to meet its obligation to submit an Annual
menyampaikan Laporan Tahunan dan atau Laporan Report and/or Financial Report to the Financial
Keuangan kepada Otoritas Jasa Keuangan. Services Authority.
4. Tidak pernah dihukum karena melakukan tindak pidana 4. Has never been convicted of committing a crime as
yang disebutkan dalam Undang-Undang No. 8 Tahun stated in Law No. 8 of 2010 on Money Laundering Crime,
2010 tentang Tindak Pidana Pencucian Uang, tindak a crime that causes losses to state finances and/or is
pidana yang merugikan keuangan negara dan/atau yang related to the financial sector, within the last 20 (twenty)
berkaitan dengan sektor keuangan, dalam waktu 20 (dua years prior to being nominated.
puluh) tahun terakhir sebelum dicalonkan.
5. Mempunyai komitmen untuk memenuhi peraturan 5. Has a commitment to comply with the prevailing laws
perundang-undangan yang berlaku. and regulations.
6. Mempunyai komitmen terhadap pengembangan 6. Has a commitment to the development of sound Sharia
operasional Bank Syariah yang sehat. Bank operations.
7. Tidak pernah secara langsung maupun tidak langsung 7. Has never been directly or indirectly involved in
terlibat dalam perbuatan rekayasa dan praktik-praktik engineering acts and deviant practices, defaults as well
menyimpang, cedera janji serta perbuatan lain yang as other actions that are detrimental to the company
merugikan perusahaan di mana yang bersangkutan where the person concerned is working or has worked.
bekerja atau pernah bekerja.
8. Tidak tercantum dalam Daftar Tidak Lulus (DTL). 8. Not listed in the Disqualified List (DTL).
9. Mempunyai pengetahuan di bidang perbankan dan 9. Possess adequate knowledge in the field of banking and
perbankan syariah yang memadai dan relevan dengan sharia banking relevant to the position.
jabatannya.
10. Mempunyai kemauan dan kemampuan untuk mengawasi 10. Has the will and ability to supervise BMI’s business
kegiatan usaha BMI agar sesuai dengan prinsip kehati- activities to comply with the prudential principles and
hatian dan prinsip syariah di bidang perbankan syariah. sharia principles in the field of sharia banking.
11. Mempunyai pengetahuan dan pemahaman dalam 11. Has the knowledge and understanding in the application
penerapan manajemen risiko. of risk management.
12. Tidak mempunyai kredit/pembiayaan macet. 12. Has no bad credit/financing.

2021 Annual Report
13. Tidak pernah dinyatakan pailit atau menjadi anggota 13. Has never been declared bankrupt or been a member of
Direksi dan/atau Dewan Komisaris yang dinyatakan the Board of Directors and/or Board of Commissioners
bersalah yang menyebabkan suatu perseroan who was found guilty of causing a company to go
dinyatakan pailit, dalam waktu 5 (lima) tahun terakhir bankrupt, within the last 5 (five) years prior to being
sebelum dicalonkan. nominated.
KETENTUAN MASA JABATAN DEWAN TERM OF OFFICE OF THE BOARD OF

KOMISARIS COMMISSIONERS
Anggota Dewan Komisaris diangkat untuk jangka waktu Members of the Board of Commissioners are appointed for
terhitung sejak tanggal RUPS pengangkatan dan berakhir a period starting from the date of the GMS of appointment
pada penutupan RUPS tahunan yang ke 5 (lima) setelah and ending at the closing of the 5th (fifth) annual GMS after
tanggal pengangkatannya. Ketentuan tersebut dengan the date of appointment. These provisions without prejudice
tidak mengurangi hak RUPS untuk sewaktu-waktu to the right of the GMS to dismiss at any time before the term
memberhentikan sebelum masa jabatan berakhir dengan of office ends by stating the reasons. This is in accordance
menyebutkan alasannya. Hal tersebut sesuai dengan with the Articles of Association/GMS and the Limited Liability
Anggaran Dasar/RUPS dan UU Perseroan Terbatas. Company Law.
Masa jabatan anggota Dewan Komisaris maksimal 2 (dua) The term of office for members of the Board of
kali masa jabatan. Dalam hal seorang anggota Dewan Commissioners is a maximum of 2 (two) terms of office. In
Komisaris berhenti atau diberhentikan sebelum masa the event that a member of the Board of Commissioners
jabatannya, maka masa jabatan penggantinya adalah sisa resigns or is dismissed before his/her term of office, the term
masa jabatan anggota Dewan Komisaris yang digantikannya. of office of his/her replacement is the remaining term of
Apabila terdapat penambahan anggota Dewan Komisaris, office of the member of the Board of Commissioners he/she
maka masa jabatan anggota Dewan Komisaris tersebut replaces. In the event there are additional members of the
akan berakhir bersamaan dengan berakhirnya masa jabatan Board of Commissioners, the term of office of the member
Dewan Komisaris lainnya yang telah ada. of the Board of Commissioners will end at the same time as
the end of the term of office of the other existing Board of
Commissioners.
Jabatan anggota Dewan Komisaris dinyatakan berakhir, The position of a member of the Board of Commissioners
apabila anggota Dewan Komisaris yang bersangkutan is declared terminated, in the event that the member of the
diberhentikan berdasarkan keputusan RUPS, mengundurkan Board of Commissioners is dismissed based on the the GMS
diri, dan tidak lagi memenuhi persyaratan sebagai anggota resolution, resigns, passes away, reaches the end of his/ her
Dewan Komisaris berdasarkan ketentuan Anggaran term, and no longer meets the requirements as a member
Dasar dan peraturan perundang-undangan yang berlaku. of the Board of Commissioners based on the provisions
Kemudian meninggal dunia atau masa jabatannya berakhir. of the Articles of Association and the prevailing laws and
regulations.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND BASIS FOR

DEWAN KOMISARIS APPOINTMENT OF THE BOARD OF
COMMISSIONERS
Per 31 Desember 2021, komposisi susunan keanggotaan As of 31 December 2021, the membership composition
Dewan Komisaris Bank adalah 5 (lima) orang anggota of the Bank’s Board of Commissioners consists of 5 (five)
Dewan Komisaris yang terdiri atas 3 (tiga) orang Komisaris members of the Board of Commissioners, consisting of 3
Independen yang berdomisili di Indonesia dan Komisaris (three) Independent Commissioners domiciled in Indonesia
Non-Independen yang berdomisili di luar Indonesia. and Non-Independent Commissioners domiciled outside
Indonesia.
Jumlah tersebut telah memenuhi ketentuan yang mengatur This amount has complied with the provisions that stipulate
bahwa jumlah anggota Dewan Komisaris paling kurang 3 that the number of members of the Board of Commissioners
(tiga) orang dan paling banyak sama dengan jumlah anggota is at least 3 (three) and at most equal to the number of
Direksi, paling kurang 1 (satu) orang anggota Dewan members of the Board of Directors, at least 1 (one) member of
Komisaris wajib berdomisili di Indonesia serta sedikitnya 50% the Board of Commissioners must be domiciled in Indonesia
(lima puluh persen) dari jumlah anggota Dewan Komisaris and at least 50% (fifty percent) ) of the total members of the
adalah Komisaris Independen. Board of Commissioners are Independent Commissioners.

Berdasarkan Peraturan OJK No. 27/POJK.03/2016 tentang Based on FSA Regulation No. 27/POJK.03/2016 on Fit and
Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Proper Test for the Main Parties of Financial Services
Lembaga Jasa Keuangan, calon anggota Dewan Komisaris Institutions, prospective members of the Board of
wajib memperoleh persetujuan dari Otoritas Jasa Keuangan Commissioners are required to obtain approval from the
sebelum menjalankan tindakan, tugas, dan fungsinya sebagai Financial Services Authority before carrying out their actions,
Dewan Komisaris. Hingga 31 Desember 2021, tercatat 3 duties and functions as the Board of Commissioners. As of
(tiga) orang anggota Dewan Komisaris Bank Muamalat telah December 31, 2021, it was recorded that 3 (three) members
dinyatakan lulus Penilaian Kemampuan dan Kepatutan (PKK) of the Board of Commissioners of Bank Muamalat have
oleh OJK. passed the Fit and Proper Test (FPT) by the FSA.
Pada tahun buku 2021 tidak terdapat perubahan susunan Pada tahun buku 2021, there were no changes in the
keanggotaan Dewan Komisaris Bank Muamalat Indonesia. membership composition of the Board of Commissioners of
Berikut ini adalah susunan anggota Dewan Komisaris Bank Muamalat Indonesia. The following is the composition
beserta dasar pengangkatannya. of members of the Board of Commissioners and the basis
for their appointment.
Nama Jabatan RUPS Pengangkatan Persetujuan OJK Tanggal Efektif Pengangkatan Kembali
Name Position Appointment GMS FSA Approval Effective Date Reappointment
Ilham A. Habibie Komisaris Utama/ RUPS Tahunan 28 Juni No. Kep-51/D.03/2019 26 Maret 2019 RUPS Tahunan 17 Mei 2019
Komisaris 2018 tanggal 26 Mar 2019 29 March 2019 Annual GMS on 17 May 2019
Independen Annual GMS on 28 June No. Kep-51/D.03/2019
President 2018 dated 26 Mar 2019
Commissioner/
Independent
Commissioner
Iggi H. Achsien Komisaris RUPS Tahunan 23 Juni No. Kep-113/D.03/2014 25 November RUPS Tahunan 17 Mei 2019
Independen 2014 tanggal 25 Nov 2014 2014 Annual GMS on 17 May 2019
Independent Annual GMS on 23 June No. Kep-113/D.03/2014 25 November
Commissioner 2014 dated 25 Nov 2014 2014
Edy Setiadi Komisaris RUPSLB Tanggal 20 No. Kep-36/D.03/2018 2 Maret 2018 RUPS Tahunan 17 Mei 2019
Independen September 2017 tanggal 2 Mar 2018 2 March 2018 Annual GMS on 17 May 2019
Independent Extraordinary GMS on No. Kep-36/D.03/2018
Commissioner 20 September 2017 dated 2 Mar 2018
Mohamed Hedi Komisaris RUPSLB Tanggal 20 - - RUPS Tahunan 17 Mei 2019

Mejai*) Commissioner September 2017 Annual GMS on 17 May 2019
Extraordinary GMS on
20 September 2017
Abdulsalam Komisaris RUPS Tahunan 30 Maret - - RUPS Tahunan 17 Mei 2019

Mohammad Commissioner 2017 Annual GMS on 17 May 2019
Joher Al-Saleh*) Annual GMS on 30
March 2017
Keterangan | Remark:
*)
Belum efektif menjabat sebagai Komisaris dan pemberhentian sebagai anggota Dewan Komisaris disahkan melalui RUPSLB tanggal 28 Februari 2022
Has not effectively served as a Commissioner and his dismissal as a member of the Board of Commissioners was ratified through the EGMS on 28 February 2022

2021 Annual Report
KEPEMILIKAN SAHAM DEWAN KOMISARIS SHARE OWNERSHIP OF THE BOARD OF

COMMISSIONERS
Sesuai dengan Peraturan Bank Indonesia No. 11/33/PBI/2009 Pursuant to Bank Indonesia Regulation No. 11/33/PBI/2009
tentang Pelaksanaan Good Corporate Governance bagi on the Implementation of Good Corporate Governance for
Bank Umum Syariah dan Unit Usaha Syariah pasal 16 serta Sharia Commercial Banks and Sharia Business Units article
sebagai wujud penerapan prinsip transparansi dalam GCG, 16 and as a form of the implementation of the transparency
seluruh anggota Dewan Komisaris wajib mengungkapkan principle in GCG, all members of the Board of Commissioners
kepemilikan sahamnya pada BUS yang bersangkutan. are required to disclose their share ownership in the relevant
BUS.
Per 31 Desember 2021, tercatat tidak terdapat anggota As of 31 December 2021, it was recorded that there were no
Dewan Komisaris Bank Muamalat Indonesia yang members of the Board of Commissioners of Bank Muamalat
mempunyai saham, baik atas nama sendiri maupun secara Indonesia who owned shares, either on their own behalf or
bersama-sama yang melebihi 5% (lima persen) dari modal collectively, which exceeded 5% (five percent) of the paid-
disetor pada Bank Muamalat Indonesia, sebagaimana up capital of Bank Muamalat Indonesia, as presented in the
disajikan pada tabel berikut ini: following table:
Jumlah Kepemilikan Saham Jumlah Nominal Saham

Nama Jabatan Number of Share Ownership Total Nominal Shares
Name Position Seri A Seri B Seri A Seri B
Series A Series B Series A Series B
Ilham A. Habibie Komisaris Utama/ Komisaris - - - -
Independen
President Commissioner/
Iggi H. Achsien Komisaris Independen - - - -
Edy Setiadi Komisaris Independen - - - -
Mohamed Hedi Mejai*) Komisaris - - - -
Commissioner
Abdulsalam Mohammad Komisaris - - - -
Joher Al-Saleh*) Commissioner
*)
KEBIJAKAN RANGKAP JABATAN DEWAN POLICY ON CONCURRENT POSITIONS OF

KOMISARIS THE BOARD OF COMMISSIONERS
Rangkap jabatan Anggota Dewan Komisaris Bank Muamalat Concurrent positions of Member of the Board of
Indonesia mengacu pada Peraturan Bank Indonesia No. Commissioners of Bank Muamalat Indonesia refers to
11/3/PBI/2009 tentang Bank Umum Syariah sebagaimana Bank Indonesia Regulation No. 11/3/PBI/2009 on Sharia
diubah dengan Peraturan Bank Indonesia No. 15/3/PBI/2013 Commercial Banks as amended by Bank Indonesia Regulation
tentang Bank Umum Syariah Pasal 26 ayat (1). Anggota No. 15/3/PBI/2013 on Sharia Commercial Banks Article 26
Dewan Komisaris hanya dapat merangkap jabatan sebagai: paragraph (1). The positions that can be concurrently held
by members of the Board of Commissioners are:
1. Anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif 1. Member of the Board of Commissioners, Board of
pada 1 (satu) lembaga/perusahaan bukan lembaga Directors, or Executive Officers in 1 (one) non-financial
keuangan. institution/ company.
2. Anggota Dewan Komisaris atau Direksi yang 2. Member of the Board of Commissioners or Board of
melaksanakan fungsi pengawasan pada 1 (satu) Directors who carry out supervisory functions in 1 (one)
perusahaan anak lembaga keuangan bukan Bank yang non-Bank financial institution subsidiary of the Bank.
dimiliki oleh Bank.
3. Anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif 3. Member of the Board of Commissioners, Board of
pada 1 (satu) perusahaan yang merupakan pemegang Directors, or Executive Officer in 1 (one) company that
saham Bank. are shareholders of the Bank.
4. Pejabat pada paling banyak 3 (tiga) lembaga nirlaba. 4. Official at a maximum of 3 (three) non-profit institutions.

Rangkap Jabatan Dewan Komisaris Bank Muamalat Concurrent Position of the Board of Commissioners of
Indonesia Hingga 31 Desember 2021 Bank Muamalat Indonesia up to 31 December 2021
Nama Jabatan Jabatan Pada Perusahaan Lain Nama Perusahaan
Name Position Position in Other Company Name of Company
Ilham A. Habibie**) Komisaris Utama/ Komisaris Komisaris Utama PT Ilthabi Rekatama
Independen President Commissioner PT Visi Media Asia Tbk
President Commissioner/ Komisaris Utama
Independent Commissioner President Commissioner
Iggi H. Achsien Komisaris Independen Komisaris Independen PT Pertamina (Persero)

Independent Commissioner Independent Commissioner
Edy Setiadi Komisaris Independen Direktur Lembaga Pengembangan
Independent Commissioner Director Perbankan Syariah
Islamic Banking Development
Institute
Wakil Sekretaris Dewan Pakar Masyarakat Ekonomi Syariah
Deputy Secretary of the Expert Sharia Economic Community
Council
Mohamed Hedi Mejai*) Komisaris Direktur Islamic Development Bank
Commissioner Director
Abdulsalam Mohammad Komisaris Deputy CEO Boubyan Bank
Joher Al-Saleh*) Commissioner Board Member Boubyan Takaful Insurance
Board Member United Capital Bank
Vice Chairman Boubyan Capital
*)
**)
Telah mengundurkan diri dari jabatannya sebagai Komisaris Utama PT Ilthabi Rekatama pada tanggal 10 Maret 2022
Has resigned from his position as President Commissioner of PT Ilthabi Rekatama on March 10, 2022
PROGRAM PENGENALAN PERUSAHAAN COMPANY INTRODUCTION PROGRAM

BAGI KOMISARIS BARU FOR NEW COMMISSIONERS
Program orientasi berupa pengenalan perusahaan kepada The orientation program in the form of introducing the
anggota Dewan Komisaris baru dilakukan atas dasar company to new members of the Board of Commissioners is
beberapa pertimbangan, selain mandat regulasi. Prosedur carried out on the basis of several considerations, in addition
Program Orientasi Bank Muamalat mencakup hal-hal to regulatory mandates. Bank Muamalat Orientation
sebagai berikut: Program Procedures include the following:
1. Program orientasi mengenai Bank Muamalat Indonesia 1. An orientation program regarding Bank Muamalat
(Bank) wajib diberikan kepada Anggota Dewan Komisaris Indonesia (Bank) must be given to Members of the Board
yang baru pertama kali menjabat di Bank. of Commissioners who are serving at the Bank for the
first time.
2. Tanggung jawab pelaksanaan program orientasi ada pada 2. Responsibility for implementing the orientation program
Komisaris Utama. Jika Komisaris Utama berhalangan rests on the President Commissioners. In the event that
maka tanggung jawab pelaksanaan program orientasi the President Commissioners is absent, the responsibility
berada pada Direktur Utama. for implementing the orientation program rests with the
President Director.
3. Materi yang diberikan pada program orientasi meliputi 3. The material provided in the orientation program
hal-hal sebagai berikut: includes the following:
a. Gambaran mengenai BMI berkaitan dengan tujuan, a. The description of BMI regarding the objectives,
sifat, lingkup kegiatan, kinerja keuangan dan operasi, nature, scope of activities, financial and operational
strategi, rencana usaha jangka pendek dan jangka performance, strategy, short-term and long-term
panjang, posisi kompetitif, risiko dan berbagai business plans, competitive market position, risks
masalah strategis lainnya. and various other strategic issues.
b. Penjelasan mengenai produk-produk jasa perbankan b. Explanation of the Bank’s banking service products.
Bank.
c. Pelaksanaan prinsip-prinsip Good Corporate c. Implementation of Good Corporate Governance
Governance oleh Bank. principles by the Bank.
d. Tanggung jawab hukum anggota Dewan Komisaris. d. Legal responsibilities of members of the Board of
Commissioners.

2021 Annual Report
e. Penjelasan yang berkaitan dengan kewenangan yang e. Explanation related to delegated authority, internal
didelegasikan, audit internal dan eksternal, sistem and external audits, internal control systems and
dan kebijakan pengendalian internal serta tugas dan policies, as well as the duties and roles of the Audit
peran Komite Audit dan Komite-komite lain yang Committee and other committees established by the
dibentuk oleh Dewan Komisaris. Board of Commissioners.
f. Penjelasan mengenai kewajiban, tugas, tanggung f. Description of the obligations, duties, responsibilities,
jawab dan hak-hak Dewan Pengawas Syariah, Dewan and rights of the Sharia Supervisory Board, Board of
Komisaris dan Direksi. Commissioners and Board of Directors.
g. Team building, yang menyertakan seluruh anggota g. Team building, which includes all members of the
Dewan Komisaris, baik yang baru menjabat maupun Board of Commissioners, both new and former
yang pernah menjabat sebelumnya dengan tujuan members of the Board of Commissioners with the
mewujudkan kekompakan dan kerja sama tim goal of creating solidarity and teamwork as the
sebagai Dewan Komisaris. Board of Commissioners.
4. Program orientasi yang diberikan dapat berupa 4. The orientation program can take the form of
presentasi, pertemuan atau kunjungan ke fasilitas Bank, presentations, meetings or visits to Bank facilities,
perkenalan dengan para karyawan senior dan para introductions to senior employees and Bank employees,
karyawan Bank serta program lainnya. as well as other programs.
Pada tahun 2021, Bank Muamalat tidak melaksanakan In 2021, Bank Muamalat did not carry out the orientation/
program orientasi/pengenalan dikarenakan tidak terdapat introduction program because there were no changes in the
perubahan struktur keanggotaan Dewan Komisaris baru. membership structure of the Board of Commissioners.
PEMBIDANGAN TUGAS PENGAWASAN DIVISION OF SUPERVISORY DUTIES OF

DEWAN KOMISARIS THE BOARD OF COMMISSIONERS
Setiap anggota Dewan Komisaris memiliki kompetensi, Each member of the Board of Commissioners has the
pengalaman, dan bidang masing-masing sehingga competence, experience, and respective fields that enables
menjadikan para anggota Dewan Komisaris merangkap members of the Board of Commissioners concurrently serves
sebagai Ketua dan/atau anggota komite-komite di bawah the Chair and/or members of committees under the Board
Dewan Komisaris dalam rangka membantu pelaksanaan of Commissioners in order to assist the implementation of
tugas dan tanggung jawab Dewan Komisaris. Adapun duties and responsibilities of the Board of Commissioners.
keanggotaan Dewan Komisaris pada komite-komite tersebut The membership of the Board of Commissioners in these
diurai pada tabel berikut ini. committees is described in the following table.
Nama Keanggotaan Komite Level Komisaris Jabatan

Name Membership in Commissioner Level Committees Position
Ilham A. Habibie Komite Nominasi dan Remunerasi Ketua
Nomination and Remuneration Committee Chairman
Komite Pemantau Risiko Anggota
Risk Monitoring Committee Member
Iggi H. Achsien Komite Audit Ketua
Audit Committee Chairman
Komite Nominasi dan Remunerasi Anggota
Nomination and Remuneration Committee Member
Edy Setiadi Komite Pemantau Risiko Ketua
Risk Monitoring Committee Chairman
Komite Tata Kelola Perusahaan Ketua
Corporate Governance Commitee Chairman
Mohamed Hedi Mejai*) Komite Tata Kelola Perusahaan Anggota
Corporate Governance Committee Member
Keterangan | Remark :
*)

KEPUTUSAN YANG PERLU MENDAPAT DECISIONS REQUIRING THE APPROVAL

PERSETUJUAN DEWAN KOMISARIS OF THE BOARD OF COMMISSIONERS
Berlandas pada Peraturan Bank Indonesia No. 11/33/ Based on Bank Indonesia Regulation No. 11/33/PBI/2009
PBI/2009 tentang Pelaksanaan Good Corporate Governance on the Implementation of Good Corporate Governance for
bagi Bank Umum Syariah dan Unit Usaha Syariah pasal 8 Sharia Commercial Banks and Sharia Business Units article
ayat (4), dalam melakukan pengawasan, Dewan Komisaris 8 paragraph (4), in conducting supervision, the Board of
dilarang terlibat dalam pengambilan keputusan kegiatan Commissioners is prohibited to be involved in the decision
operasional Bank. Hal itu tidak termasuk dalam pengambilan making on operational activities of the Bank. This is not
keputusan untuk pemberian pembiayaan kepada Direksi included in making decisions to provide financing to the
sepanjang kewenangan Dewan Komisaris tersebut Board of Directors as long as the authority of the Board
ditetapkan dalam Anggaran Dasar Bank atau dalam Rapat of Commissioners is stipulated in the Bank’s Articles of
Umum Pemegang Saham. Association or in the General Meeting of Shareholders.
Aturan itu juga mengungkapkan bahwa Dewan Komisaris The regulation also states that the Board of Commissioners
dapat ikut serta dalam pengambilan keputusan atas hal- can participate in making decisions on other matters
hal lain yang ditetapkan dalam Anggaran Dasar Bank stipulated in the Articles of Association of the Bank or laws and
atau peraturan perundang-undangan. Pengambilan regulations. The decision making for the Bank’s operational
keputusan kegiatan operasional Bank oleh Dewan Komisaris activities by the Board of Commissioners as referred to
sebagaimana dimaksud di atas merupakan bagian dari tugas above is part of the supervisory duties by the Board of
pengawasan oleh Dewan Komisaris. Dengan demikian, tidak Commissioners. Thus, it does not negate the responsibility
meniadakan tanggung jawab Direksi atas pelaksanaan of the Board of Directors for the implementation of the
kepengurusan Bank. management of the Bank.
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATION

Bank Muamalat memandang pejabat yang memiliki Bank Muamalat considers that officials who have competence
kompetensi dan keahlian di bidang manajemen risiko and expertise in the field of risk management are a necessity
merupakan sebuah kebutuhan dalam bisnis bank seiring in the bank’s business in line with the increasingly complex
dengan semakin kompleksnya kegiatan usaha perbankan banking business activities resulting in bigger potential risks
sehingga potensi risiko yang dihadapi juga semakin besar. to be faced.
Hal itu juga sesuai dengan Peraturan Bank Indonesia No. This is also in line with Bank Indonesia Regulation No.
11/19/PBI/2009 tentang Sertifikasi Manajemen Risiko bagi 11/19/PBI/2009 on Risk Management Certification for
Pengurus dan Pejabat Bank Umum. Dewan Komisaris dan Management and Officers of Commercial Banks. The Board
Direksi wajib memiliki Sertifikat Manajemen Risiko yang of Commissioners and Board of Directors are required to
diterbitkan oleh Lembaga Sertifikasi Profesi. have a Risk Management Certificate issued by a Professional
Certification Institute.
Kewajiban Sertifikasi Manajemen Risiko Requirement for Risk Management

Dewan Komisaris Certification for the Board of Commissioners
Jabatan Level Masa Berlaku
Position Level Validity Period
Komisaris 1 4 tahun
Commissioner 4 years
Komisaris Independen 2 4 tahun
Independent Commissioner 4 years
Direktur Utama dan Direktur dengan aset di atas Rp10 triliun 5 2 tahun
President Director and Directors with assets of above Rp10 trillion 2 years

2021 Annual Report
Jika masa berlaku sertifikasi tersebut telah habis, Dewan In the event that the validity period of the certification has
Komisaris wajib melakukan program pemeliharaan expired, the Board of Commissioners is required to conduct
(refreshment) secara berkala, minimal 1 (satu) kali dalam 4 a regular refreshment program, at least 1 (one) time in 4
(empat) tahun untuk tingkat 1 dan 2, atau 1 (satu) kali dalam (four) years for levels 1 and 2, or 1 (one) time in 2 (two) years
2 (dua) tahun untuk tingkat 3, 4, dan 5. Adapun sertifikasi for levels 3, 4, and 5. The risk management certifications held
manajemen risiko yang dimiliki oleh Dewan Komisaris pada by the Board of Commissioners in 2021 are described in the
tahun 2021 dijelaskan dalam tabel di bawah ini. following table.
Kepemilikan Sertifikasi Manajemen Risiko Dewan Ownership of Risk Management Certification by the
Komisaris Board of Commissioners
Lembaga yang
Level
Mengeluarkan Tanggal Tanggal
Nama Jabatan Sertifikasi Bidang
Sertifikasi Dikeluarkan Kadaluarsa
Name Position Certification Field
Institution Issuing Issuance Date Expiration Date
Level
the Certification
Ilham A. Habibie Komisaris Utama/ 2 Risk Management LSPP 27 Agustus 2018 27 Agustus 2022
Komisaris Certification 27 August 2018 27 August 2022
Independen
President
Commissioner/
Independent
Commissioner
Iggi H. Achsien Komisaris 2 Risk Management LSPP 12 Agustus 2014 12 Agustus 2023
Independen Certification 12 August 2014 12 August 2023
Independent
Commissioner
Edy Setiadi Komisaris 2 Risk Management LSPP 5 Mei 2021 26 Oktober 2025
Independen Certification 5 May 2021 26 October 2025
Independent
Commissioner
Mohamed Hedi Komisaris 1 Risk Management LSPP 9 November 2017
Mejai*) Commissioner Certification 9 November 2017
Abdulsalam Komisaris 1 Risk Management LSPP 23 Agustus 2017
Mohammad Commissioner Certification 23 August 2017
Joher Al-Saleh*)
*)
PROGRAM PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT PROGRAM

DEWAN KOMISARIS FOR THE BOARD OF COMMISSIONERS
Realisasi Pengembangan Kompetensi Realization of Competency Development

Sebagai upaya untuk meningkatkan kompetensi, sepanjang In an effort to improve competency, throughout 2021, the
tahun 2021, Dewan Komisaris telah mengikuti berbagai Board of Commissioners participated in various trainings,
pelatihan yang secara rinci disampaikan dalam bab “Profil which are detailed in the “Company Profile” chapter in this
Perusahaan” dalam Laporan Tahunan ini. Annual Report.
PENGELOLAAN BENTURAN MANAGEMENT OF CONFLICTS

KEPENTINGAN DEWAN KOMISARIS OF INTEREST OF THE BOARD OF
COMMISSIONERS
Bank mengatur mengenai pengelolaan benturan The Bank regulates the management of conflicts of interest.
kepentingan. Apabila benturan kepentingan terjadi, In the event a conflict of interest occurs, members of the
anggota Dewan Komisaris dilarang mengambil tindakan Board of Commissioners are prohibited from taking actions
yang berpotensi dapat mengurangi aset atau mengurangi that have the potential to reduce assets or profits of the
keuntungan Bank Umum Syariah (BUS) dan wajib Sharia Commercial Bank (SCB) and shall disclose conflicts
mengungkapkan benturan kepentingan dalam setiap of interest in every decision. This is pursuant to Article 61
keputusan. Hal tersebut sesuai dengan Pasal 61 Peraturan of Bank Indonesia Regulation No. 11/33/PBI/2009 on the
Bank Indonesia No. 11/33/PBI/2009 tentang Pelaksanaan Implementation of Good Corporate Governance for Sharia
Good Corporate Governance bagi Bank Umum Syariah dan Commercial Banks and Sharia Business Units.
Unit Usaha Syariah.

Dengan demikian, Anggota Dewan Komisaris harus selalu Accordingly, Members of the Board of Commissioners must
mengutamakan kepentingan Bank dan tidak mengurangi always prioritize the interests of the Bank and do not reduce
keuangan Bank dalam hal terjadi benturan kepentingan the Bank’s finances in the event of a conflict of interest and
dan menghindarkan diri dari pengambilan keputusan dalam avoid making decisions in situations and conditions where
situasi dan kondisi adanya benturan kepentingan. there is a conflict of interest.
Selain itu, Anggota Dewan Komisaris juga harus melakukan Furthermore, Members of the Board of Commissioners must
pengungkapan hubungan kekeluargaan, hubungan also disclose family relationships, financial relationships,
keuangan, hubungan kepengurusan, hubungan kepemilikan management relationships, ownership relationships with
dengan Anggota Komisaris lain dan/atau anggota Direksi other members of the Board of Commissioners and/or
dan/atau pemegang saham pengendali Bank dan/atau members of the Board of Directors and/or controlling
pihak lainnya dalam rangka bisnis Bank serta melakukan shareholders of the Bank and/or other parties in the context
pengungkapan dalam hal pengambilan keputusan tetap of the Bank’s business and make disclosures in the event
harus diambil pada kondisi adanya benturan kepentingan. that decision-making must still be taken in conditions of a
conflict of interest.
KEPUTUSAN, REKOMENDASI DAN DECISIONS, RECOMMENDATIONS, AND

PELAKSANAAN TUGAS DEWAN IMPLEMENTATION OF DUTIES OF THE
Dewan Komisaris melakukan pengawasan terhadap The Board of Commissioners supervises the performance
kinerja Bank Muamalat Indonesia sekaligus memberikan of Bank Muamalat Indonesia as well as provides
rekomendasi, saran dan nasihat kepada Direksi. Pengawasan recommendations, suggestions and advice to the Board
dan nasihat Dewan Komisaris juga disampaikan melalui of Directors. Supervision and advice from the Board
Komite Audit, Komite Pemantau Risiko dan Komite Nominasi of Commissioners is also conveyed through the Audit
dan Remunerasi, dan Komite Tata Kelola Perusahaan yang Committee, the Risk Monitoring Committee, the Nomination
dibahas pada rapat Dewan Komisaris. and Remuneration Committee, and the Corporate
Governance Committee which were discussed at the Board
of Commissioners’ meeting
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF

DEWAN KOMISARIS COMMITTEES UNDER THE BOARD OF
COMMISSIONERS
Dasar Penilaian Basis of Assessment

Kinerja komite-komite yang berada di bawah Komisaris The performance of the committees under the Board of
dinilai secara berkala dengan metode self-assesment. Commissioners is assessed periodically using the self-
Penilaian secara kolektif dan kolegial atas kinerja anggota assessment method. Collective and collegial assessment on
komite di tingkat Komisaris dalam melaksanakan tugas dan the performance of committee members at the Commissioner
tanggung jawabnya didasarkan pada hal-hal berikut ini: level in carrying out their duties and responsibilities is based
on the following:
1. Pemenuhan Struktur Organisasi Komite 1. Fulfillment of the Committee’s Organizational Structure
2. Ketersediaan Piagam/Charter Komite 2. Availability of Committee Charter
3. Pelaksanaan Rapat Komite 3. Implementation of Committee Meetings
4. Dokumentasi Hasil Rekomendasi Komite 4. Documentation of the Results of the Committee’s
Recommendations

2021 Annual Report
Hasil Penilaian Assessment Results

Berikut adalah hasil penilaian terhadap komite-komite di The following are the results of the assessment of the committees
bawah Dewan Komisaris sepanjang tahun 2021. under the Board of Commissioners throughout 2021.
Indikator Penilaian
Indicator Assessment
Struktur Organisasi Komite Mayoritas struktur organisasi dan komposisi keanggotaan komite telah lengkap dan memadai termasuk
Committee Organizational keanggotaan komite yang berasal dari pihak independen.
Structure The majority of the organizational structure and composition of committee membership are complete and
adequate, including committee membership from independent parties
Ketersediaan Piagam Komite Seluruh komite telah memiliki piagam/charter sebagai panduan dalam pelaksanaan tugas dan tanggung
Availability of Committee jawab anggota komite. Piagam/charter telah dilakukan pengkinian menyesuaikan dengan kondisi terkini
Charter dan kebutuhan organisasi.
All committees have charters as a guide in carrying out the duties and responsibilities of committee
members. The charter has been updated according to current conditions and organizational needs
Pelaksanaan Rapat Komite Frekuensi rapat komite selama tahun 2021 telah sesuai dengan ketentuan.
Implementation of Committee The frequency of committee meetings during 2021 has been in accordance with the provisions.
Meetings
Dokumentasi Hasil Hasil rapat Komite telah dituangkan dalam risalah rapat dan telah didokumentasikan dengan baik,
Rekomendasi Komite termasuk pengungkapan dissenting opinions (jika ada) secara jelas.
Documentation of Committee's The results of the Committee meetings have been stated in the minutes of the meeting and have been well
Recommendations Results documented, including the disclosure of dissenting opinions (if any).
MEKANISME PENGUNDURAN DIRI DAN MECHANISM OF RESIGNATION

PEMBERHENTIAN DEWAN KOMISARIS AND DISMISSAL OF THE BOARD OF
COMMISSIONERS
Mekanisme pengunduran diri dan pemberhentian Dewan The mechanism for the resignation and dismissal of the Board
Komisaris di lingkungan BMI telah diatur sebagai berikut: of Commissioners within BMI has been regulated as follows:
1. Anggota Dewan Komisaris berhak mengundurkan diri 1. A member of the Board of Commissioners has the
dari jabatannya dengan memberitahukan secara tertulis right to resign from his/her position by giving a written
kepada perusahaan dalam jangka waktu 90 (sembilan notification to the company within 90 (ninety) days prior
puluh) hari sebelum pengunduran diri dimaksud. to the resignation.
2. Perusahaan wajib menyelenggarakan RUPS untuk 2. The company shall hold a GMS to decide the application
memutuskan permohonan diri anggota Dewan for resignation of the member of the Board of
Komisaris tersebut dalam jangka waktu selambat- Commissioners no later than 90 (ninety) days after the
lambatnya 90 (sembilan puluh) hari setelah diterimanya receipt of the letter of resignation.
surat permohonan pengunduran diri.
3. Perusahaan wajib melakukan keterbukaan informasi 3. The company is required to disclose information to the
kepada masyarakat dan menyampaikan kepada Otoritas public and submit it to the Financial Services Authority
Jasa Keuangan paling lambat 2 (dua) hari kerja setelah: no later than 2 (two) working days after the:
a. diterimanya permohonan pengunduran diri anggota a. receipt of the request for resignation of a member of
Dewan Komisaris the Board of Commissioners
b. hasil penyelenggaraan RUPS b. the results of the GMS
4. Pengunduran diri dan/atau pemberhentian anggota 4. The resignation and/or dismissal of a member of the
Dewan Komisaris wajib dilaporkan kepada Otoritas Board of Commissioners must be reported to the
Jasa Keuangan paling lambat 10 (sepuluh) hari sejak Financial Services Authority no later than 10 (ten) days
pemberhentian dan/atau pengunduran diri efektif. after the discharge and/or resignation took effect.
5. Apabila seluruh anggota Dewan Komisaris diberhentikan 5. In the event that all members of the Board of
dari jabatannya, mengundurkan diri dari jabatannya, Commissioners are dismissed from their positions,
atau oleh suatu sebab apa pun jabatan Anggota Dewan resign from their positions, or for whatever reason the
Komisaris lowong dan Bank tidak mempunyai seorang positions of the Members of the Board of Commissioners
pun anggota Dewan Komisaris maka masa jabatan are vacant and the Bank does not have a single member
penggantinya atau masa jabatan seluruh penggantinya of the Board of Commissioners, the term of office for
adalah sisa masa jabatan Anggota Dewan Komisaris those who replace them or the terms of office for all of
yang digantikannya. their successors is the remaining term of office of the
Members of the Board of Commissioners replaced.
6. Apabila terdapat penambahan anggota Dewan 6. If there are additional members of the Board of
Komisaris, maka masa jabatan anggota Dewan Komisaris Commissioners, the term of office of new members of
tersebut akan berakhir bersamaan dengan masa jabatan the Board of Commissioners will end simultaneously
anggota Dewan Komisaris lainnya yang telah ada. with the terms of office of the other members of the

Independent Commissioners
Komisaris Independen adalah anggota Dewan Komisaris Independent Commissioner is a member of the Board of
yang tidak memiliki hubungan keuangan, kepengurusan, Commissioners who has no financial, management, share
kepemilikan saham dan/atau hubungan keluarga dengan ownership and/or family relationship with fellow members
anggota Dewan Komisaris lainnya, Direksi dan/atau of the Board of Commissioners, Board of Directors and/or
Pemegang Saham Pengendali atau hubungan dengan Bank, Controlling Shareholder or relationship with the Bank, which
yang dapat mempengaruhi kemampuannya untuk bertindak may affect his/her ability to act independently to realize
independen untuk mewujudkan objektivitas, independen, objectivity, independence, fairness, and abel to provide
fairness, serta dapat memberikan keseimbangan dan balance and protection for the interests of stakeholders.
perlindungan bagi kepentingan para pemangku kepentingan.
Komisaris Independen ditujukan untuk mendorong Independent Commissioner is intended to encourage the
terciptanya iklim dan lingkungan kerja yang lebih objektif dan creation of a more objective working climate and environment
dapat menempatkan kewajaran (fairness) serta kesetaraan that can place fairness and equality among various interests,
di antara berbagai kepentingan, termasuk kepentingan including the interests of minority shareholders and other
pemegang saham minoritas dan pemangku kepentingan stakeholders.
lainnya.
KRITERIA KOMISARIS INDEPENDEN CRITERIA OF INDEPENDENT

COMMISSIONER
Mengacu pada Peraturan Bank Indonesia No. 11/33/ Pursuant to Bank Indonesia Regulation No. 11/33/PBI/2009
PBI/2009 tentang Pelaksanaan Good Corporate Governance on the Implementation of Good Corporate Governance
bagi Bank Umum Syariah dan Unit Usaha Syariah, Komisaris for Sharia Commercial Banks and Sharia Business Units,
Independen adalah anggota Dewan Komisaris yang tidak Independent Commissioners are members of the Board of
memiliki: Commissioners who do not have:
1. Hubungan keuangan, kepengurusan, kepemilikan saham 1. Financial, management, share ownership and/or family
dan/ atau hubungan keluarga dengan pemegang saham relationships with controlling shareholders, members
pengendali, anggota Dewan Komisaris dan/atau anggota of the Board of Commissioners and/or members of the
Direksi; atau Board of Directors; or
2. Hubungan keuangan dan/atau hubungan kepemilikan 2. Financial relationship and/or share ownership
saham dengan Bank, sehingga dapat mendukung relationship with the Bank, in order to support its ability
kemampuannya untuk bertindak independen. to act independently.
OJK juga mengatur mengenai Dewan Komisaris Independen. FSA also regulates the Independent Board of Commissioners.
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 33/ Based on the Financial Services Authority Regulation No.
POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten 33/POJK.04/2014 on the Board of Directors and Board of
atau Perusahaan Publik, Komisaris Independen ialah Commissioners of Issuers or Public Companies, Independent
anggota Dewan Komisaris yang berasal dari luar Emiten Commissioners are members of the Board of Commissioners
atau Perusahaan Publik dan memenuhi persyaratan sebagai deriving from outside the Issuer or Public Company and meet
Komisaris Independen sebagai berikut: the following requirements as Independent Commissioners:
1. Bukan merupakan orang yang bekerja atau mempunyai 1. Not a person who works or has the authority and
wewenang dan tanggung jawab untuk merencanakan, responsibility to plan, lead, control, or supervise the
memimpin, mengendalikan, atau mengawasi kegiatan activities of the Issuer or Public Company within the last
Emiten atau Perusahaan Publik tersebut dalam waktu 6 (six) months, except for reappointment as Independent
6 (enam) bulan terakhir, kecuali untuk pengangkatan Commissioner of the Issuer or Public Company in the
kembali sebagai Komisaris Independen Emiten atau following period;
Perusahaan Publik pada periode berikutnya;
2. Tidak mempunyai saham baik langsung maupun tidak 2. Has no shares either directly or indirectly in the Issuer or
langsung pada Emiten atau Perusahaan Publik tersebut; Public Company;

2021 Annual Report
3. Tidak mempunyai hubungan Afiliasi dengan Emiten atau 3. Has no affiliation with the Issuer or Public Company,
Perusahaan Publik, anggota Dewan Komisaris, anggota members of the Board of Commissioners, members of
Direksi, atau pemegang saham utama Emiten atau the Board of Directors, or majority shareholder of the
Perusahaan Publik tersebut; dan Issuer or Public Company; and
4. Tidak mempunyai hubungan usaha baik langsung 4. Has no business relationship, either directly or indirectly,
maupun tidak langsung yang berkaitan dengan kegiatan related to the business activities of the Issuer or Public
usaha Emiten atau Perusahaan Publik tersebut. Company.
Mengacu pada kedua peraturan instansi tersebut, BMI Referring to the regulations of these two agencies, BMI
menyusun kriteria Komisaris Independen di mana wajib prepares the criteria for Independent Commissioners, which
memenuhi persyaratan Dewan Komisaris secara umum. must meet the requirements of the Board of Commissioners
Persyaratan tersebut sebagaimana diatur dalam Board in general. These requirements are as regulated in the Board
Manual Bank Muamalat Indonesia baik saat diangkat Manual of Bank Muamalat Indonesia, both when appointed
maupun selama menjabat sebagai Komisaris Independen, and while serving as an Independent Commissioner, namely:
yaitu:
memimpin, mengendalikan, atau mengawasi kegiatan Company’s activities within the last 6 (six) months, except
Perseroan dalam waktu 6 (enam) bulan terakhir, for reappointment as an Independent Commissioner of
kecuali untuk pengangkatan kembali sebagai Komisaris the Company in the following period;
Independen Perseroan pada periode berikutnya;
2. Tidak mempunyai saham baik langsung maupun tidak 2. Has no shares either directly or indirectly in the Company;
langsung pada Perseroan;
3. Tidak mempunyai hubungan afiliasi dengan Perseroan, 3. Has no affiliation with the Company, members of the
anggota Dewan Komisaris, anggota Direksi, atau Board of Commissioners, members of the Board of
pemegang saham utama Perseroan; Directors, or the majority shareholder of the Company;
maupun tidak langsung yang berkaitan dengan kegiatan related to the Company’s business activities; and
usaha Perseroan; dan
5. Wajib menjalani masa tunggu (cooling off) paling kurang 5. Must undergo a cooling off period of at least 6 (six)
selama 6 (enam) bulan bagi calon anggota Komisaris months for candidates for Independent Commissioners
Independen yang sebelumnya menjabat sebagai anggota who previously served as members of the Board of
Direksi Bank Muamalat kecuali jabatan sebelumnya Directors of Bank Muamalat except for Directors of Bank
sebagai Direksi Bank Muamalat yang melakukan fungsi Muamalat conducting the supervisory functions in their
pengawasan. previous position.

Pemenuhan Kriteria Independensi Komisaris Fulfillment of Independency Criteria of

Independen Independent Commisisoners
Kriteria Independent Commissioner
Criteria Ilham A. Iggi H. Edy
Habibie Achsien Setiadi
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk √ √ √
merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan Emiten
atau Perusahaan Publik tersebut dalam waktu 6 (enam) bulan terakhir, kecuali untuk pengangkatan
kembali sebagai Komisaris Independen Emiten atau Perusahaan Publik pada periode berikutnya.
Not a person who works or has the authority and responsibility to plan, lead, control, or
supervise the activities of the Issuer or Public Company within the last 6 (six) months, except for
reappointment as Independent Commissioner of the Issuer or Public Company in the following
period
Tidak mempunyai saham baik langsung maupun tidak langsung pada Emiten atau Perusahaan √ √ √
Publik tersebut.
Has no shares either directly or indirectly in the Issuer or Public Company
Tidak mempunyai hubungan afiliasi dengan Emiten atau Perusahaan Publik, anggota Dewan √ √ √
Komisaris, anggota Direksi, atau Pemegang Saham Utama Emiten atau Perusahaan Publik tersebut.
Has no affiliation with the Issuer or Public Company, members of the Board of Commissioners,
members of the Board of Directors, or majority shareholder of the Issuer or Public Company; and
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan √ √ √
kegiatan usaha Emiten atau Perusahaan Publik tersebut.
Has no business relationship, either directly or indirectly, related to the business activities of the
Issuer or Public Company
JUMLAH KOMISARIS INDEPENDEN NUMBER OF INDEPENDENT

COMMISSIONERS
Komposisi anggota Dewan Komisaris Bank pada tahun 2021 The membership composition of the Bank’s Board of
berjumlah 5 (lima) orang di mana 3 (tiga) atau setara dengan Commissioners in 2021 is 5 (five) people, of which 3 (three)
60% di antaranya menjabat sebagai Komisaris Independen. or equivalent to 60% serve as Independent Commissioners.
Dengan demikian jumlah Komisaris Independen Bank Accordingly, the number of Independent Commissioners
telah memenuhi PBI No. 11/3/PBI/2009 tentang Bank of the Bank has complied with PBI No. 11/3/PBI/2009 on
Umum Syariah sebagaimana diubah dengan Peraturan Sharia Commercial Banks as amended by Bank Indonesia
Bank Indonesia No. 15/3/PBI/2013 tentang Bank Umum Regulation No. 15/3/PBI/2013 on Sharia Commercial
Syariah yang mengatur paling kurang 50% (lima puluh Banks which regulates that at least 50% (fifty percent) of
persen) dari jumlah anggota Dewan Komisaris adalah the total members of the Board of Commissioners are
Komisaris Independen dan memenuhi Peraturan OJK Independent Commissioners and fulfill FSA Regulation
No. 33/POJK.04/2014 tentang jumlah anggota Dewan No. 33/POJK.04/2014 on the number of members of the
Komisaris Bank yang mengatur jumlah Komisaris Bank’s Board of Commissioners, which stipulates that the
Independen wajib paling kurang 30% (tiga puluh persen) dari number of Independent Commissioners must be at least
jumlah seluruh anggota Dewan Komisaris. 30% (thirty percent) of the total members of the Board of
Commissioners.

2021 Annual Report
PERNYATAAN INDEPENDENSI KOMISARIS INDEPENDENCY REQUIREMENTS OF

INDEPENDEN INDEPENDENT COMMISSIONERS
Sebagai bentuk pernyataan independensi dan GCG, As a form of statement of independence and GCG,
Komisaris Independen Bank menandatangani Surat Independent Commissioners of the Bank sign a Statement
Pernyataan Independensi yang memuat pernyataan bahwa of Independence, which states that Independent
Komisaris Independen tidak memiliki saham Bank serta Commissioners have no shares of the Bank and have no
tidak memiliki hubungan keuangan maupun hubungan financial or family relationship with members of the Board
keluarga dengan anggota Direksi dan Dewan Komisaris serta of Directors and Board of Commissioners as well as Major
Pemegang Saham Utama dan Pengendali. and Controlling Shareholders.
Masing-masing Komisaris Independen telah Each Independent Commissioner has signed a statement of
menandatangani surat pernyataan independensi yang independence stating that he does not own the Bank’s shares
menyatakan tidak memiliki saham Bank serta tidak memiliki and has no financial relationship, management relationship,
hubungan keuangan, hubungan kepengurusan, kepemilikan share ownership and/or family relationship with fellow
saham dan/atau hubungan keluarga dengan anggota members of the board of commissioners, board of directors,
dewan komisaris lainnya, direksi, dan/atau pemegang and/or controlling shareholder or relationship with the bank,
saham pengendali atau hubungan dengan bank, yang which could affect my ability to act independently, when he/
dapat mempengaruhi kemampuan saya untuk bertindak she was appointed as Independent Commissioner of the
independen, pada saat beliau diangkat menjadi Komisaris Bank.
Independen Bank.
Adapun pernyataan yang ditandatangani oleh masing- The statement signed by each member of the Independent
masing anggota Komisaris Independen juga mencakup hal- Commissioner also includes the following:
hal sebagai berikut:
1. Mempunyai akhlak, moral, dan integritas yang baik; 1. Has good character, morals and integrity;
2. Cakap melakukan perbuatan hukum; 2. Capable of performing legal actions;
3. Dalam 5 (lima) tahun sebelum pengangkatan dan selama 3. Within 5 (five) years prior to the appointment and during
menjabat: the term of office:
a. Tidak pernah dinyatakan pailit; a. Has never been declared bankrupt;
b. Tidak pernah menjadi anggota Direksi dan/atau b. Never been a member of the Board of Directors and/
anggota Dewan Komisaris yang dinyatakan bersalah or a member of the Board of Commissioners who
menyebabkan suatu perusahaan dinyatakan pailit; was found guilty of causing a company to declare
bankruptcy;
c. Tidak pernah dihukum karena melakukan tindak c. Never been convicted of committing a crime that
pidana yang merugikan keuangan negara dan/atau caused losses to state finances and/or related to the
yang berkaitan dengan sektor keuangan; financial sector;
d. Tidak pernah menjadi anggota Direksi dan/atau d. Has never been a member of the Board of Directors
anggota Dewan Komisaris yang selama menjabat: and/or a member of the Board of Commissioners
who during the term of office:
i. Pernah tidak menyelenggarakan RUPS tahunan; i. Failed to hold the Annual GMS;
ii. Pertanggungjawabannya sebagai anggota ii. Had his/her responsibilities as member
Direksi dan/atau anggota Dewan Komisaris of the Board of Directors and/or Board of
pernah tidak diterima oleh RUPS atau pernah Commissioners not accepted by the GMS or
tidak memberikan pertanggungjawaban sebagai has never given accountability as member
anggota Direksi dan/atau anggota Dewan of the Board of Directors and/or Board of
Komisaris kepada RUPS; dan Commissioners to the GMS
iii. Pernah menyebabkan perusahaan yang iii. Cause a company that obtained a license,
memperoleh izin, persetujuan, atau pendaftaran approval, or registration from the Financial
dari Otoritas Jasa Keuangan tidak memenuhi Services Authority to fail to meet its obligation to
kewajiban menyampaikan laporan tahunan dan/ submit an Annual Report and/or Financial Report
atau laporan keuangan kepada Otoritas Jasa to the Financial Services Authority.
Keuangan.
e. Memiliki komitmen untuk mematuhi peraturan e. Has a commitment to comply with the prevailing
perundang-undangan; dan laws and regulations
f. Memiliki pengetahuan dan/atau keahlian di bidang f. Has the knowledge and/or expertise in the field
yang dibutuhkan Emiten atau Perusahaan Publik. required by the Issuer or Public Company.

Direksi
Board of Directors
Direksi merupakan salah satu organ Bank Muamalat dengan The Board of Directors is one of the organs of Bank Muamalat
kewenangan dan tanggung jawab penuh atas pengelolaan with full authority and responsibility for the management
Bank sesuai dengan kepentingan, maksud dan tujuan of the Bank in accordance with the interests, purposes,
pendirian Bank. Direksi dapat mewakili Bank, baik di dalam and objectives of the Bank’s establishment. The Board of
maupun di luar pengadilan sesuai dengan ketentuan Directors can represent the Bank, both inside and outside
Anggaran Dasar. the court in accordance with the provisions of the Articles of
Association.
Anggota Direksi diwajibkan mencurahkan tenaga, pikiran, Members of the Board of Directors must to devote their
perhatian dan pengabdiannya secara penuh pada tugas, energy, thoughts, attention and full dedication to the
kewajiban dan target serta tujuan perusahaan. Anggota duties, obligations, targets, and objectives of the company.
Direksi juga harus mematuhi Anggaran Dasar Perusahaan dan Members of the Board of Directors must also comply with
peraturan perundang-undangan serta wajib melaksanakan the Bank’s Articles of Association, laws and regulations and
prinsip-prinsip profesionalisme, efisiensi, transparansi, must implement the principles of professionalism, efficiency,
kemandirian, akuntabilitas, pertanggungjawaban, serta transparency, independence, accountability, responsibility,
kewajaran. and fairness.

Berikut adalah dasar hukum yang dijadikan acuan The following is the legal basis used as a reference for the
pengangkatan Direksi oleh Bank Muamalat Indonesia. appointment of the Board of Directors by Bank Muamalat
Indonesia.
1. Undang Undang No. 40 Tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 on Limited Liability Companies
Terbatas
2. Undang Undang Republik Indonesia No. 21 Tahun 2008 2. Law of the Republic of Indonesia No. 21 of 2008 on Sharia
tentang Perbankan Syariah. Banking.
4. Peraturan Bank Indonesia No. 11/33/PBI/2009 tentang 4. Bank Indonesia Regulation No. 11/33/PBI/2009 on
Pelaksanaan Good Corporate Governance bagi Bank Implementation of Good Corporate Governance for
Umum Syariah dan Unit Usaha Syariah. Sharia Commercial Banks and Sharia Business Units.
5. Peraturan Bank Indonesia No. 14/6/PBI/2012 tanggal 18 5. Bank Indonesia Regulation No. 14/6/PBI/2012 dated 18
Juni 2012 tentang Uji Kemampuan dan Kepatutan (Fit and June 2012 on Fir and Proper Test of Sharia Banks and
Proper Test) Bank Syariah dan Unit Usaha Syariah. Sharia Business Units.
tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 on Board of Directors and Board of
Perusahaan Publik. Commissioners of Issuers or Public Companies.
tentang Penilaian Kemampuan dan Kepatutan bagi POJK.03/2016 on Fit and Proper Test for Main Parties of
Pihak Utama Lembaga Jasa Keuangan. Financial Service Insitutions.
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. POJK.03/2017 on Implementation of the Compliance
Function for Commercial Banks.
9. Anggaran Dasar Bank Muamalat Indonesia. 9. Articles of Association of Bank Muamalat Indonesia.
10. Akta tertanggal 17 Mei 2019 No. 29 dibuat dihadapan 10. Deed dated 17 May 2019 No. 29 made before Notary
Notaris Utiek R. Abdurachman dan pemberitahuan atas Utiek R. Abdurachman and notification of changes to
perubahan data perseroan telah diterima dan dicatat the company’s data has been received and registered by
oleh Menteri Hukum dan Hak Asasi Manusia Republik the Minister of Law and Human Rights of the Republic
Indonesia sesuai suratnya tertanggal 28 Mei 2019 of Indonesia in accordance with the letter dated 28 May
No. AHU-AH.01.03-0283340. 2019 No. AHU-AH.01.03-0283340.
2021 Annual Report
11. Akta tertanggal 15 September 2020 No. 13 dibuat 11. Deed dated September 15, 2020 No. 13 made before
dihadapan Notaris Ashoya Ratam dan pemberitahuan Notary Ashoya Ratam and notification of changes to
atas perubahan data perseroan telah diterima dan company data has been received and recorded by the
dicatat oleh Menteri Hukum dan Hak Asasi Manusia Minister of Law and Human Rights of the Republic of
Republik Indonesia sesuai suratnya tertanggal 23 Indonesia according to his letter dated September 23,
September 2020 No. AHU-AH.01.03-0389971. 2020 No. AHU-AH.01.03-0389971.

Tanggung jawab atas tugas dan fungsi Direksi telah diatur Responsibilities for the duties and functions of the Board
oleh Bank, yakni melakukan pengurusan dan pengelolaan of Directors have been regulated by the Bank, namely
Bank. Pembagian tugas Direksi ditentukan sesuai dengan governing and managing the Bank. The division of duties
peraturan perundang-undangan yang berlaku, Anggaran of the Board of Directors is determined in accordance with
Dasar, keputusan RUPS atau keputusan rapat Direksi. the prevailing laws and regulations, Articles of Association,
Untuk itu, setiap anggota Direksi bertanggung jawab atas GMS resolutions, or resolutions of the meeting of the Board
pelaksanaan tugasnya masing-masing. of Directors. To that end, each member of the Board of
Directors is responsible for carrying out their respective
duties.
Direksi juga memiliki tugas dan kewajiban secara spesifik yang The Board of Directors also has specific duties and obligations
berkaitan dengan strategi dan rencana kerja, pelaksanaan relating to strategies and work plans, execution of the
fungsi kepatuhan, penerapan manajemen risiko, sistem compliance function, implementation of risk management,
pengendalian internal, keterbukaan dan kerahasiaan internal control systems, disclosure and confidentiality
informasi, hubungan dengan para pemangku kepentingan, of information, stakeholders relationships, accounting
sistem akuntansi dan pembukuan, pelaksanaan prinsip and bookkeeping systems, implementation of Know Your
mengenal nasabah dan Pemberantasan Tindak Pidana Customer (KYC) principles, and eradication of money
Pencucian Uang/Transaksi Keuangan yang Mencurigakan. laundering/ Suspicious Financial Transactions. The following
Berikut adalah tugas dan kewajiban Direksi Bank Muamalat are the duties and obligations of the Board of Directors of
Indonesia. Bank Muamalat Indonesia.
1. Menyusun kode etik yang berlaku bagi seluruh anggota 1. Develop a Code of Conduct that applies to all members
Direksi dan anggota Dewan Komisaris, karyawan/ of the Board of Directors and members of the
pegawai, serta pendukung organ yang dimiliki Bank Board of Commissioners, and employees, as well as
Muamalat Indonesia dan menyosialisasikannya kepada supporting units owned by Bank Muamalat Indonesia,
seluruh karyawan/pegawai yang bekerja pada Bank and disseminate it to all employees who work at Bank
Muamalat Indonesia serta memuatnya secara lengkap Muamalat Indonesia and post it completely on the Bank
dalam situs web Bank Muamalat Indonesia. Muamalat Indonesia website.
2. Memimpin dan mengurus Perseroan sesuai dengan 2. To lead and manage the Company in accordance with
maksud dan tujuan Perseroan dan senantiasa the purposes and objectives of the Company and
memastikan peningkatan efisiensi, efektivitas dan always ensuring the highest efficiency, effectiveness,
produktivitas setinggi-tingginya bagi Perseroan secara and productivity improvements for the Company on an
berkesinambungan. ongoing basis.
3. Untuk menerapkan Good Corporate Governance sesuai 3. To implement Good Corporate Governance in
dengan prinsip-prinsip dan praktek Good Corporate accordance with the principles and practices of Good
Governance, buku pedoman dan petunjuk bagi Direksi, Corporate Governance, manuals and instructions for
petunjuk corporate governance lainnya yang berlaku the Board of Directors, other applicable corporate
dan sebagaimana yang telah ditentukan oleh Dewan governance guidelines and as determined by the Board
Komisaris, dari waktu ke waktu di setiap kegiatan usaha of Commissioners, from time to time in every business
dan pada semua tingkat organisasi Perseroan. activity and at all levels of the Company’s organization.
4. Menguasai, memelihara, dan mengurus kekayaan Bank 4. Control, maintain, and manage the assets of Bank
Muamalat Indonesia. Muamalat Indonesia.
5. Direksi wajib memiliki fungsi paling kurang Audit Intern, 5. The Board of Directors must have the functions of at
Manajemen Risiko dan Komite Manajemen Risiko serta least Internal Audit, Risk Management, and Compliance
Kepatuhan dalam rangka melaksanakan GCG. Committees in order to implement GCG.
6. Menjalankan tugas untuk kepentingan dan usaha Bank 6. Carry out duties for the interests and business of Bank
Muamalat Indonesia dengan itikad baik dan penuh Muamalat Indonesia in good faith and full responsibility.
tanggung jawab.

7. Tunduk pada ketentuan peraturan perundang-undangan 7. Comply with the prevailing laws and regulations, the
yang berlaku, Anggaran Dasar dan keputusan RUPS serta Articles of Association and the resolutions of the GMS
memastikan seluruh aktivitas Bank telah sesuai dengan and ensure that all Bank activities are in accordance with
ketentuan peraturan peraturan perundang-undangan the provisions of the prevailing laws and regulations,
yang berlaku, Anggaran Dasar dan keputusan RUPS. Articles of Association and GMS resolutions.
8. Mematuhi tata urutan peraturan internal Bank. 8. Comply with the Bank’s internal regulations.
9. Menjalankan pengurusan Bank Muamalat Indonesia 9. Carry out the management of Bank Muamalat Indonesia
untuk kepentingan dan tujuan Bank Muamalat Indonesia. for the interests and objectives of Bank Muamalat
Indonesia.
10. Menetapkan susunan organisasi Bank Muamalat 10. Determine the organizational structure of Bank
Indonesia di tingkat pusat, wilayah maupun cabang Muamalat Indonesia at the central, regional, and branch
lengkap dengan pelaksanaan tugasnya. levels, complete with the implementation of duties.
11. Bertindak selaku pimpinan dalam pengurusan Bank 11. Act as a leader in the management of Bank Muamalat
Muamalat Indonesia. Indonesia.
12. Direksi harus menyampaikan kebijakan Bank Muamalat 12. The Board of Directors must convey Bank Muamalat
Indonesia yang bersifat strategis di bidang kepegawaian Indonesia strategic employment policies to its employees.
kepada pegawai.
13. Bertanggung jawab penuh dalam melaksanakan 13. Take full responsibility in carrying out duties for the
tugasnya untuk kepentingan Bank Muamalat Indonesia benefit of Bank Muamalat Indonesia in achieving its
dalam mencapai maksud dan tujuannya. goals and objectives.
14. Mewakili Bank Muamalat Indonesia baik di dalam 14. Represent Bank Muamalat Indonesia both inside and
maupun di luar pengadilan. outside of a court.
15. Melakukan segala tindakan dan perbuatan, baik 15. Carry out all and any actions, regarding both the
mengenai pengurusan maupun pemilikan kekayaan management and ownership of Bank Muamalat
Bank Muamalat Indonesia serta mengikat Bank Indonesia assets as well as binding Bank Muamalat
Muamalat Indonesia dengan pihak lain dan atau Indonesia with other parties and/or other parties with
pihak lain dengan Bank Muamalat Indonesia, dengan Bank Muamalat Indonesia, with certain restrictions.
pembatasan tertentu.
16. Anggota Direksi dilarang memberikan kuasa umum 16. Members of the Board of Directors are prohibited from
kepada pihak lain yang mengakibatkan pengalihan tugas giving general power of attorney to other parties which
dan fungsi Direksi. results in the transfer of duties and functions of the
Board of Directors.
17. Direksi wajib mempertanggungjawabkan pelaksanaan 17. The Board of Directors must be accountable for the
tugasnya kepada pemegang saham melalui Rapat Umum implementation of its duties to shareholders through the
Pemegang Saham. General Meeting of Shareholders.
18. Direksi wajib membuat dan memelihara seluruh daftar 18. The Board of Directors is required to prepare and maintain
pemegang saham, daftar khusus, risalah RUPS dan the entire list of shareholders, special registration list,
risalah rapat Direksi serta dokumen-dokumen keuangan minutes of the GMS and minutes of meetings of the
dan dokumen Bank Muamalat Indonesia lainnya. Board of Directors as well as financial documents and
other Bank Muamalat Indonesia documents.
19. Anggota Direksi, baik sendiri-sendiri maupun secara 19. Members of the Board of Directors, individually or
bersama-sama dilarang memiliki saham lebih dari 25% collectively, are prohibited from owning shares of more
dari modal disetor perusahaan lain. than 25% of the paid-up capital of other companies.
20. Setiap anggota Direksi bertanggung jawab secara pribadi 20. Each member of the Board of Directors is personally
atas kerugian Bank Muamalat Indonesia apabila yang responsible for the loss of Bank Muamalat Indonesia if
bersangkutan bersalah atau lalai menjalankan tugas. guilty of negligence in carrying out their duties.
21. Anggota Direksi wajib mengungkapkan kepemilikan 21. Members of the Board of Directors are required to
saham yang mencapai 5% atau lebih baik pada Bank disclose share ownership that reaches 5% or more in the
yang bersangkutan maupun pada bank dan perusahaan Bank as well as in other banks and companies domiciled
lain yang berkedudukan di dalam dan di luar negeri. at home and abroad.
22. Direksi wajib menyediakan data dan informasi yang 22. The Board of Directors must provide accurate, relevant,
akurat, relevan, serta tepat waktu kepada Dewan and timely data and information to the Board of
Komisaris dan Dewan Pengawas Syariah. Commissioners and Sharia Supervisory Board.
23. Setiap keputusan Direksi bersifat mengikat dan menjadi 23. Every decision of the Board of Directors is binding and
tanggung jawab seluruh anggota Direksi. is the responsibility of all members of the Board of
Directors.

2021 Annual Report
HAK DAN WEWENANG DIREKSI RIGHTS AND AUTHORITIES OF THE

BOARD OF DIRECTORS
Selain tugas dan tanggung jawab, Direksi Bank Muamalat In addition to the duties and responsibilities, the Board of
juga memiliki hak dan wewenang yang mengacu pada Directors of Bank Muamalat also has rights and authorities
peraturan perundangan-undangan serta Anggaran Dasar that refer to the laws and regulations and the Company’s
Perusahaan, yakni sebagai berikut: Articles of Association, which are as follows:
1. Memutuskan kebijakan dalam pengurusan Bank, berikut 1. Decide on policies in the management of the Bank, along
penentuan struktur organisasi Bank. with the determination of the Bank’s organizational
structure.
2. Menolak mendaftarkan pemindahan hak atas saham 2. Refuse to register the transfer of rights over shares in the
dalam Daftar Pemegang Saham apabila pemindahan Shareholders Register in the event that the transfer does
tersebut tidak memenuhi ketentuan dalam Anggaran not comply with the provisions in the Bank’s Articles of
Dasar Bank. Association.
3. Menjadi wakil Bank di dalam dan di luar pengadilan. 3. Become a representative of the Bank inside and outside
of a court.
4. Melakukan segala tindakan, baik yang mengenai 4. Perform all actions, regarding both the management and
pengurusan maupun mengenai pemilikan Bank. ownership of the Bank.
5. Mengikat Bank dengan pihak lain dan pihak lain dengan 5. Binding the Bank with other parties and other parties
Bank, dengan pembatasan-pembatasan yang sesuai with the Bank, with restrictions in accordance with
dengan ketentuan yang ada. existing regulations.
6. Mengatur penyerahan kekuasaan Direksi untuk mewakili 6. Arrange the transfer of power of the Board of Directors
Bank di dalam dan di luar Pengadilan kepada seseorang to represent the Bank inside and outside of a court to
atau beberapa orang Direktur yang khusus ditunjuk one or several Directors specifically appointed for that
untuk itu atau kepada seseorang atau beberapa orang purpose or to one or several Bank employees, either
pegawai Bank baik sendiri-sendiri maupun bersama- individually or collectively, or to other people or bodies.
sama atau kepada orang atau badan lain.
7. Mengatur ketentuan-ketentuan tentang kepegawaian 7. Regulate the provisions concerning the employment of
BMI termasuk penetapan gaji, pensiun, jaminan hari BMI including the determination of salary, retirement,
tua dan penghasilan bagi Karyawan Bank berdasarkan pension plan, and income for Bank Employees based on
ketentuan yang berlaku. applicable regulations.
8. Mengangkat, memberi penghargaan dan sanksi serta 8. Appoint, reward, sanction, and dismiss BMI employees
memberhentikan karyawan BMI berdasarkan peraturan based on the Bank’s employment regulations.
kepegawaian Bank.
9. Memastikan kompetensi Sumber Daya Insani yang 9. Ensure the competence of related Human Resources.
terkait.
10. Menghapus buku piutang macet yang selanjutnya 10. Delete recorded non-performing loans, which is then
dilaporkan dan dipertanggungjawabkan dalam Laporan reported and accounted for in the Annual Report.
Tahunan.
11. Membeli sebagian atau seluruh agunan, baik melalui 11. Purchase part or all of the collateral, either through
pelelangan maupun di luar pelelangan berdasarkan auction or non-auction means based on voluntary
penyerahan secara sukarela oleh pemilik agunan atau delivery by the collateral owner or based on the power
berdasarkan kuasa untuk menjual di luar lelang dari to sell to non-auction means from the collateral owner in
pemilik agunan dalam hal Debitur tidak memenuhi the event that the Debtor does not meet their obligations
kewajibannya kepada Bank, dengan ketentuan agunan to the Bank, provided that the collateral purchased must
yang dibeli tersebut wajib dicairkan secepatnya, dengan be cashed as soon as possible, with due observance of
memperhatikan peraturan perundangan yang berlaku. the applicable laws and regulations.
12. Melakukan aktivitas di luar Bank yang tidak secara 12. Carrying out activities outside the Bank that are not
langsung berhubungan dengan kepentingan Perseroan directly related to the interests of the Company, such
seperti kegiatan mengajar, menjadi pengurus as teaching activities or being the management of a
asosiasi bisnis dan sejenisnya diperkenankan sebatas business association and the like, is allowed to use a
menggunakan waktu yang wajar dan sepengetahuan reasonable amount of time with the knowledge of the
Direktur Utama atau Direktur lainnya. President Director or other Directors.
13. Jika diperlukan, mempergunakan saran profesional. 13. If necessary, to use professional advice.

14. Menerima gaji berikut fasilitas dan tunjangan lainnya 14. Receive salary along with other facilities and benefits,
termasuk santunan purnajabatan yang jumlahnya including post-service compensation, the amount
ditetapkan oleh RUPS atau Dewan Komisaris berdasarkan of which is determined by the GMS or the Board of
pelimpahan wewenang dari RUPS. Commissioners based on the delegation of authority
from the GMS.
15. Apabila BMI mencapai tingkat keuntungan, maka Direksi 15. In the event that BMI reaches a targeted level of profit,
dapat menerima insentif sebagai imbalan atas prestasi the Board of Directors may receive incentives as
kerjanya yang besarnya ditetapkan oleh RUPS compensation for their work performance the amount
of which is determined by the GMS
16. Menggunakan sarana dan fasilitas Bank untuk kegiatan 16. Utilize the Bank’s facilities and resources for activities
yang berhubungan dengan kepentingan Bank, sesuai related to the Bank’s interests, in accordance with laws
dengan peraturan perundang-undangan dan kebijakan and regulations and Bank policies.
Bank.
17. Berhak menerima fasilitas yang ditetapkan Bank. 17. The Board of Directors is entitled to receive facilities
determined by the Bank.
Kewenangan Direksi yang Harus Authorities of the Board of Directors that

Mendapatkan Persetujuan Dewan Komisaris Require the Approval of the Board of
Commissioners
Sebagai bagian dari fungsi pengawasan, Direksi memiliki As part of the supervisory function, the Board of Directors
beberapa kewenangan yang harus mendapatkan has several authorities that require the approval of the
persetujuan Dewan Komisaris terlebih dahulu. Adapun Board of Commissioners. The authorities included are:
kewenangan yang termasuk bagian dari hal tersebut ialah:
1. Meminjam atau meminjamkan uang atas nama Bank 1. Borrowing or lending money on behalf of the Bank in
sejumlah uang yang melampaui kewenangan Direksi an amount that exceeds the authority of the Board of
yang dari waktu ke waktu akan ditentukan secara tertulis Directors which from time to time will be determined in
oleh Dewan Komisaris. writing by the Board of Commissioners.
2. Membeli, menjual, atau dengan cara lain melepaskan 2. Buying, selling, or in other ways releasing rights over
hak-hak atas harta tetap (tanah dan/atau bangunan) fixed assets (land and/or buildings) and companies or
dan perusahaan-perusahaan atau memberati harta burdening the Bank’s assets whose value is equal to
kekayaan Perseroan yang nilainya sama atau lebih besar or greater than the value of material transactions in
dari nilai transaksi material sesuai dengan peraturan accordance with applicable capital market regulations.
pasar modal yang berlaku.
3. Mengikat Bank sebagai penjamin/penanggung utang 3. Binding the Bank as a corporate guarantor.
(corporate guarantor).
4. Mendirikan suatu badan usaha baru. 4. Establishing a new business entity.
5. Mengalihkan, melepaskan hak atau menjadikan jaminan 5. Transferring, releasing rights or making debt collateral
utang seluruh atau sebagian besar harta kekayaan Bank for all or a large part of the assets of the Bank either
baik dalam 1 (satu) transaksi atau beberapa transaksi in 1 (one) transaction or several transactions that are
yang berdiri sendiri ataupun yang berkaitan satu sama independent or related to one another that occur within
lain yang terjadi dalam 1 (satu) tahun buku. 1 (one) fiscal year.
6. Membeli atau melepaskan saham Bank dalam 6. Purchasing or releasing the Bank’s shares in another
perusahaan lain. company.
7. Mengambil tindakan-tindakan hukum atau transaksi 7. Taking strategic legal actions or transactions that may
yang bersifat strategis yang dapat mempengaruhi materially affect the sustainability of the Bank’s business
kelangsungan usaha Bank secara materiil sesuai dengan in accordance with the applicable capital market
peraturan pasar modal yang berlaku, jenis tindakan regulations, the types of legal actions or transactions
hukum atau transaksi tersebut dari waktu ke waktu akan will from time to time be determined by the Board of
ditetapkan oleh Dewan Komisaris. Commissioners.

2021 Annual Report
PEDOMAN KERJA/PIAGAM DIREKSI WORK GUIDELINES/ CHARTER OF THE

BOARD OF DIRECTORS
Bank memiliki Board Manual Direksi Bank Muamalat No. CPL. The Bank has established a Board Manual for the Board of
KBJ.013.2016 dengan tujuan memudahkan Direksi dalam Directors of Bank Muamalat No. CPL.KBJ.013.2016 with the
menjalankan tugas dan fungsinya. Adapun isi dari Piagam aim of facilitating the Board of Directors in carrying out their
Direksi mencakup: duties and functions. The Charter of the Board of Directors
contains:
1. Fungsi 1. Functions
2. Komposisi dan Persyaratan 2. Composition and Requirements
3. Pengangkatan dan Masa Jabatan 3. Appointment and Term of Office
4. Pengunduran Diri dan Pemberhentian 4. Resignation and Termination
5. Program Orientasi dan Peningkatan Kapabilitas 5. Orientation and Capacity Improvement Program
6. Independensi (Kemandirian) Direksi 6. Independence of the Board of Directors
7. Etika Jabatan 7. Code of Ethics
8. Tugas dan Kewajiban Direksi 8. Duties and Obligations of the Board of Directors
9. Hak dan Wewenang Direksi 9. Rights and Authorities of the Board of Directors
10. Penetapan Kebijakan Pengurusan Perusahaan oleh 10. Determination of Company Management Policies by the
Direksi Board of Directors
11. Pendelegasian Wewenang di antara Direktur Perusahaan 11. Delegation of Authority among the Board of Directors
12. Pembagian Tugas Direksi 12. Distribution of Duties of the Board of Directors
13. Rapat Direksi 13. Board of Directors Meetings
14. Komite-Komite Direksi 14. Committees of the Board of Directors
15. Hubungan Kerja 15. Employment Relations
16. Hubungan Dengan Profesi Pasar Modal 16. Relationship with Capital Market Profession
17. Penggunaan Saran Profesional. 17. Use of Professional Advice.
KRITERIA DIREKSI CRITERIA OF THE BOARD OF DIRECTORS

Kriteria Direksi ditetapkan oleh Bank dengan membaginya ke The criteria for the Board of Directors are established by
dalam tiga bagian yakni integritas, kompetensi dan reputasi the Bank by dividing it into three parts, namely integrity,
keuangan. Uraian dari masing-masing kriteria tersebut competence, and financial reputation. The description of
dijelaskan sebagai berikut. each of these criteria is explained as follows.
Integritas Integrity
1. Mempunyai akhlak dan moral yang baik 1. Have good character and morals
2. Cakap melakukan perbuatan hukum 2. Capable of taking legal actions
3. Dalam 5 (lima) tahun sebelum pengangkatan dan selama 3. In the 5 (five) years prior to appointment and during their
menjabat, tidak pernah menjadi anggota Direksi dan/ tenure, was never a member of the Board of Directors
atau anggota Dewan Komisaris yang: and/or a member of the Board of Commissioners
who/ whose:
a. pernah tidak menyelenggarakan RUPS tahunan; a. failed to hold an Annual GMS;
b. pertanggungjawabannya sebagai anggota Direksi b. accountability as a member of the Board of Directors
dan/atau anggota Dewan Komisaris pernah tidak and/or a member of the Board of Commissioners
diterima oleh RUPS atau pernah tidak memberikan was not accepted by the GMS or did not give
pertanggungjawaban sebagai anggota Direksi dan/ accountability as a member of the Board of Directors
atau anggota Dewan Komisaris kepada RUPS; dan and/or a member of the Board of Commissioners to
the GMS; and
c. pernah menyebabkan perusahaan yang c. has caused a company that required to obtain a
memperoleh izin, persetujuan, atau pendaftaran dari license, approval, or registration from the Financial
Otoritas Jasa Keuangan tidak memenuhi kewajiban Services Authority to fail to meet its obligation to
menyampaikan laporan tahunan dan/atau laporan submit an annual report and/or financial report to
keuangan kepada Otoritas Jasa Keuangan. the Financial Services Authority.

4. Tidak pernah dihukum karena terbukti melakukan tindak 4. Has never been convicted of committing predicate
pidana asal yang disebut dalam Undang-Undang No. 8 offenses referred to in Law No. 8 of 2010 on Money
Tahun 2010 tentang Tindak Pidana Pencucian Uang, Laundering, a crime that has caused losses to state
tindak pidana yang merugikan keuangan negara dan/ finances and/or related to the financial sector, within 20
atau yang berkaitan dengan sektor keuangan, dalam (twenty) years prior to being nominated.
waktu 20 (dua puluh) tahun terakhir sebelum dicalonkan.
5. Memiliki komitmen untuk mematuhi peraturan 5. Has a commitment to comply with laws and regulations.
perundang-undangan.
6. Memiliki komitmen terhadap pengembangan 6. Has a commitment to the development of sound Sharia
operasional Bank Syariah yang sehat. Bank operations.
7. Tidak pernah secara langsung maupun tidak langsung 7. Never been directly or indirectly involved in fabrication
terlibat dalam perbuatan rekayasa dan praktik-praktik and deviant practices, defaults on and other actions
menyimpang, cedera janji serta perbuatan lain yang that are detrimental to the Company where the person
merugikan Perseroan di mana yang bersangkutan concerned works or has worked.
bekerja atau pernah bekerja.
8. Tidak tercantum dalam Daftar Tidak Lulus (DTL). 8. Not listed in the Disqualified List (DTL).
Kompetensi Competence
1. Memiliki pengetahuan dan pemahaman di bidang 1. Has sufficient knowledge and understanding in the field
operasional perbankan syariah yang cukup; of shariah banking operations;
2. Memiliki pengalaman dan keahlian di bidang operasional 2. Has experience and expertise in banking operations,
perbankan, perbankan syariah, bidang keuangan atau sharia banking, sharia finance, or finance;
keuangan syariah;
3. Memiliki kemampuan untuk melakukan pengelolaan 3. Has the ability to carry out strategic management in
strategis dalam rangka pengembangan Bank yang sehat order to develop a sound and resilient Bank; and
dan tangguh; dan
4. Memiliki pengetahuan dan pemahaman dalam 4. Has the knowledge and understanding in the application
penerapan manajemen risiko. of risk management.
Reputasi Keuangan Financial Reputation

1. Tidak memiliki kredit/pembiayaan macet;dan 1. Has no bad credit/financing, and
2. Tidak pernah dinyatakan pailit atau menjadi anggota 2. Never been declared bankrupt or been a member of
Direksi dan/atau Dewan Komisaris yang dinyatakan the Board of Directors and/or Board of Commissioners
bersalah yang menyebabkan suatu perseroan who was found guilty of causing a company declare
dinyatakan pailit, dalam waktu 5 (lima) tahun terakhir bankruptcy, within the last 5 (five) years prior to being
sebelum dicalonkan. nominated.
MASA JABATAN DIREKSI TERM OF OFFICE OF THE BOARD OF

DIRECTORS
Mengacu pada Anggaran Dasar/RUPS dan Undang- Pursuant to the Articles of Association/GMS and the Limited
Undang Perseroan Terbatas, Direksi diangkat untuk Liability Company Law, the Board of Directors is appointed
jangka waktu terhitung sejak tanggal RUPS pengangkatan for a period starting from the date of the GMS appointment
dan berakhir pada penutupan RUPS tahunan yang ke and ending at the closing of the 5th (fifth) annual GMS after
5 (lima) setelah tanggal pengangkatannya. Ketentuan the date of appointment. This provision does not reduce the
tersebut tidak mengurangi hak RUPS untuk sewaktu-waktu right of the GMS to dismiss at any time before the term of
memberhentikan sebelum masa jabatan berakhir dengan office ends by stating the reasons.
menyebutkan alasannya.
Dewan Komisaris berdasarkan keputusan Rapat Dewan The Board of Commissioners based on the decision of the
Komisaris juga bisa memberhentikan anggota Direksi Board of Commissioners Meeting may also temporarily
untuk sementara waktu, tidak terbatas oleh waktu dengan dismiss members of the Board of Directors, not limited
menyebutkan alasannya. Jabatan Direktur dinyatakan by time by stating the reasons. The position of Director is
berakhir, apabila anggota Direksi yang bersangkutan declared terminated, in the event that the member of the
diberhentikan berdasarkan keputusan RUPS, mengundurkan Board of Directors concerned is dismissed based on the
diri, dan tidak lagi memenuhi persyaratan sebagai anggota decision of the GMS, resigns, passes away prior to the term of

2021 Annual Report
Dewan Komisaris berdasarkan ketentuan Anggaran office, and no longer fulfills the requirements as a member of
Dasar dan peraturan perundang-undangan yang berlaku. the Board of Commissioners based on the provisions of the
Kemudian meninggal dunia atau masa jabatannya berakhir. Articles of Association and applicable laws and regulations.
Anggota Direksi dapat diangkat kembali oleh RUPS setelah Members of the Board of Directors may be reappointed by
masa jabatannya berakhir, dengan ketentuan yakni masa the GMS after their term of office ends, provided that the
jabatan Direktur Utama dibatasi hanya 2 (dua) kali masa term of office of the President Director is limited to only 2
jabatan sebagai Direktur Utama serta masa jabatan anggota (two) terms of office as the President Director and the term
Direksi (selain Direktur Utama) dibatasi maksimal 2 (dua) kali of office of members of the Board of Directors (other than
masa jabatan. Ketentuan tersebut tidak termasuk apabila the President Director) is limited to a maximum of 2 (two)
yang bersangkutan diangkat menjadi Direktur Utama, maka terms. . This provision does not include if the person is
masa jabatannya hanya 1 (satu) kali masa jabatan. appointed as the President Director, then the term of office
is only 1 (one) term of office.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND BASIS OF

DIREKSI APPOINTMENT OF THE BOARD OF
DIRECTORS
Pengangkatan anggota Direksi dilakukan oleh RUPS dengan The appointment of members of the Board of Directors
memperhatikan rekomendasi Komite Nominasi dan is carried out by the GMS by taking into account the
Remunerasi. Direksi yang diangkat tersebut merupakan recommendations of the Nomination and Remuneration
calon yang diajukan oleh pemegang saham dan/atau Committee. The appointed Board of Directors is a candidate
kuasanya yang mewakili sekurang-kurangnya 1/10 (satu per proposed by the shareholders and/or their proxies who
sepuluh) dari jumlah seluruh saham Bank yang ditempatkan represent at least 1/10 (one tenth) of the total issued shares
dengan hak suara yang sah dan pencalonan tersebut of the Bank with valid voting rights and the nomination shall
mengikat bagi RUPS. be binding for the GMS.
Individu yang dicalonkan sebagai calon Direktur akan Individuals who are nominated as candidates for Director
menjalani proses Penilaian Kemampuan dan Kepatutan will undergo a Fit and Proper Test (FPT) conducted by the
(PKK) yang dilaksanakan oleh OJK. Direksi dinyatakan efektif FSA. The Board of Directors is declared effective when it has
ketika sudah mendapat persetujuan atau dinyatakan lulus received approval or has passed the FPT by the FSA.
PKK oleh OJK.
Per 31 Desember 2021, Bank memiliki enam direktur yang As of 31 December 2021, the Bank has six directors
terdiri dari Direktur Utama, Direktur Keuangan, Direktur consisting of the President Director, Finance Director,
Kepatuhan, Risiko dan Hukum, Direktur Bisnis Ritel, Compliance, Risk and Legal Director, Retail Banking Director,
Direktur Operasi, dan Direktur Pembiayaan. Jumlah ini telah Operation Director, and Financing Director. This number
memenuhi ketentuan peraturan perundang-undangan has complied with the provisions of the relevant laws and
terkait yang mengatur bahwa jumlah anggota Direksi paling regulations, which stipulate that the number of members of
kurang 3 (tiga) orang dan dipimpin oleh Direktur Utama the Board of Directors is at least 3 (three) persons and is led
serta setiap anggota Direksi harus berdomisili di Indonesia. by the President Director and each member of the Board of
Directors must be domiciled in Indonesia.
Bank juga telah memenuhi ketentuan mengenai kewajiban The Bank has also complied with the provisions regarding
Bank untuk memiliki 1 (satu) orang Direktur Kepatuhan yang the Bank’s obligation to have 1 (one) Compliance Director,
diangkat oleh Rapat Umum Pemegang Saham. Direktur who is appointed by the General Meeting of Shareholders.
Utama berasal dari pihak yang independen terhadap The President Director is a party that is independent of
pemegang saham pengendali. Seluruh anggota Direksi the controlling shareholder. All members of the Board of
Bank Muamalat telah dinyatakan lulus proses penilaian Directors of Bank Muamalat have passed the fit and proper
kemampuan dan kepatutan oleh OJK. test process by the FSA.

Komposisi Direksi dan Dasar Pengangkatan Composition of the Board of Directors and
Basis of Appointment
Pengangkatan
Nama Jabatan RUPS Pengangkatan Persetujuan OJK Tanggal Efektif
Kembali
Name Position Appointment GMS OJK Approval Effective Date
Reappointment
Achmad Kusna Direktur Utama RUPSLB No. Kep-32/D.03/2018 27 Februari 2018 RUPS Tahunan
Permana President Director 20 September 2017 tanggal 27 Februari 2018 27 February 2018 17 Mei 2019
Extraordinary GMS on No. Kep-32/D.03/2018 Annual GMS on
20 September 2017 dated 27 February 2018 17 May 2019
Direktur Keuangan RUPSLB No. Kep-9/D.03/2018 21 Maret 2016 RUPS Tahunan
Finance Director 20 September 2015 tanggal 21 Maret 2016 21 March 2016 17 Mei 2019
Hery Syafril
Extraordinary GMS on No. Kep-9/D.03/2018 Annual GMS on
20 September 2015 dated 21 March 2016 17 May 2019
Andri Donny Direktur Kepatuhan, RUPS Tahunan No. Kep-24/D.03/2018 29 Juni 2016 RUPS Tahunan
Risiko dan Hukum 29 Juni 2016 tanggal 29 Juni 2016 29 June 2016 17 Mei 2019
Compliance, Risk, and Annual GMS on No. Kep-24/D.03/2018 Annual GMS on
Legal Director 29 June 2019 dated 29 June 2016 17 May 2019
Purnomo B. Direktur Bisnis Ritel RUPSLB No. Kep-10/D.03/2018 21 Maret 2016 RUPS Tahunan
Soetadi Retail Banking 20 September 2015 tanggal 21 Maret 2016 21 March 2016 17 Mei 2019
Director Extraordinary GMS on No. Kep-10/D.03/2018 Annual GMS on
20 September 2015 dated 21 March 2016 17 May 2019
Awaldi Direktur Operasi RUPSLB 23 Mei 2016 No. Kep-32/D.03/2018 24 Maret 2017 RUPS Tahunan
Operation Director Extraordinary GMS on tanggal 24 Maret 2017 24 March 2017 17 Mei 2019
23 May 2016 No. Kep-32/D.03/2018 Annual GMS on
dated 24 March 2017 17 May 2019
Direktur Pembiayaan RUPS Tahunan No. Kep-9/D.03/2020 13 Januari 2020 -
Financing Director 17 Mei 2019 tanggal 13 Januari 2020 13 January 2020
Avianto
Annual GMS on No. Kep-9/D.03/2020
17 May 2019 dated 13 January 2020
PEMBAGIAN TUGAS DAN TANGGUNG DIVISION OF DUTIES AND

JAWAB MASING-MASING DIREKSI RESPONSIBILITIES OF EACH MEMBER OF
Pembagian tugas dan wewenang pengurus di antara anggota The division of duties and authorities of the management
Direksi diatur oleh Bank dalam batas yang ditentukan among members of the Board of Directors is regulated by
dalam peraturan perundang-undangan yang berlaku, yaitu the Bank within the limits specified in the applicable laws
Anggaran Dasar, Keputusan RUPS atau Keputusan rapat and regulations, namely the Articles of Association, GMS
Direksi. Direksi Bank dapat melakukan pembagian tugas Resolutions, or Board of Directors Meeting Resolutions.
dan wewenang atau job description di antara anggota Direksi The Bank’s Board of Directors may divide the duties and
yang ditetapkan berdasarkan keputusan RUPS. Apabila RUPS authorities or job description among the members of the
tidak menetapkan, maka penetapan dapat berdasarkan Board of Directors that has been determined based on the
keputusan rapat Direksi. Berikut rincian pembagian tugas decision of the GMS. If the GMS does not determine, the
dan wewenang Direksi: determination can be based on the decision of the Board
of Directors meeting. The following are the details of the
division of duties and authorities of the Board of Directors:
Achmad Kusna Permana Achmad Kusna Permana

Direktur Utama President Director
• Merencanakan, mengembangkan dan menetapkan • Planning, developing and establishing general company
kebijakan umum perusahaan berdasarkan prinsip policies based on prudential, effectiveness and efficiency
kehematan, efektif, dan efisien, sesuai dengan visi, misi principles in accordance with the Bank’s vision, mission
dan tujuan perusahaan. and objectives.
• Mengarahkan, mengembangkan dan menetapkan • Directing, developing and determining the overall
strategi pengelolaan perusahaan secara menyeluruh. corporate management strategy.
• Mengkoordinasikan kegiatan dan pelaksanaan tugas • Coordinating the activities and implementation of duties
seluruh Direktur. of all Directors.
• Menyiapkan corporate plan dan business plan. • Preparing the corporate plan and business plan.

2021 Annual Report
• Menetapkan kebijakan umum terkait Internal Audit dan • Establishing general policies related to Internal Audit
memperhatikan dan segera mengambil langkah-langkah and carefully considering and immediately taking the
yang diperlukan atas segala sesuatu yang dikemukakan necessary measures on everything that is stated in every
dalam setiap laporan hasil pemeriksaan yang dibuat audit report prepared by the IAD.
oleh IAD.
• Memimpin kegiatan yang bersifat strategis dalam • Leading strategic activities towards the Bank’s
pengembangan perusahaan. development.
Hery Syafril Hery Syafril

Direktur Keuangan Finance Director
• Mengarahkan, mengevaluasi dan mengkoordinir • Directing, evaluating and coordinating the formulation
perumusan kebijakan finansial perusahaan yang of corporate financial policies that are focused towards
berorientasi pada optimalisasi pendapatan maupun revenue optimization and cost efficiency.
efisiensi biaya.
• Memastikan penerapan kebijakan akuntansi (PSAK), • Ensuring the implementation of accounting policies
perpajakan dan kebijakan pengelolaan finansial (PSAK), taxation and corporate financial management
perusahaan sesuai dengan ketentuan yang berlaku. policies in accordance with applicable regulations.
• Mengelola dan mengawasi pengukuran kinerja • Managing and supervising the Bank’s overall performance
perusahaan secara menyeluruh. measurement.
• Memastikan dan mengawasi pelaksanaan dan • Ensuring and supervising the implementation and
penerbitan laporan keuangan perusahaan. issuance of corporate financial reports.
• Mengarahkan dan mengevaluasi pelaksanaan business • Directing and evaluating the implementation of business
intelligence dan pengurusan data warehouse yang intelligence and effective data warehouse management
efektif guna mendapatkan informasi yang akurat dalam in order to obtain accurate information in determining
penentuan strategi bisnis perusahaan. the company’s business strategy.
• Mengkoordinasikan, mengawasi dan memberikan • Coordinating, supervising and providing approval for
persetujuan atas aktivitas unit kerja di bawah direktorat work unit activities under the finance directorate to
finance agar sesuai dengan ketentuan dan/atau target comply with the stipulated regulations and/or work
kerja yang telah ditetapkan. targets.
• Bertanggung jawab penuh atas pelaksanaan pengelolaan • Taking full responsibility for the implementation of BMI
Bank Muamalat Indonesia berdasarkan prinsip kehati- management based on prudential principles and Sharia
hatian dan prinsip syariah. Principles.
• Melaksanakan GCG dalam setiap kegiatan usaha BMI • Implementing GCG in every BMI business activity at all
pada seluruh tingkatan atau jenjang organisasi levels or ranks of the organization
Andri Donny Andri Donny

Direktur Kepatuhan, Risiko dan Hukum Compliance, Risk, and Legal Director
• Menetapkan langkah-langkah yang diperlukan untuk • Determining the necessary steps to ensure that the Bank
memastikan perusahaan telah memenuhi seluruh has complied with all regulations of Bank Indonesia,
peraturan Bank Indonesia, Otoritas Jasa Keuangan dan the Financial Services Authority and other prevailing
peraturan perundangundangan lain yang berlaku dalam laws and regulations in the context of implementing the
rangka pelaksanaan prinsip kehatihatian. Merumuskan prudence principle. Formulate strategies to encourage
strategi guna mendorong terciptanya budaya kepatuhan the creation of a compliance culture
• Merumuskan strategi guna mendorong terciptanya • Formulating strategies to promote the compliance
budaya kepatuhan. culture.
• Memastikan bahwa seluruh kebijakan, ketentuan, sistem, • Ensuring that all policies, regulations, systems and
dan prosedur, serta kegiatan usaha yang dilakukan Bank procedures as well as business activities carried out
Muamalat Indonesia telah sesuai dengan ketentuan by Bank Muamalat Indonesia are in accordance with
Bank Indonesia, Otoritas Jasa Keuangan dan peraturan Bank Indonesia, the Financial Services Authority and
perundangundangan yang berlaku, termasuk prinsip the prevailing laws and regulations, including sharia
syariah bagi Bank Umum Syariah principles for Sharia Commercial Banks
• Melakukan tindakan pencegahan agar kebijakan • Taking preventive measures so that the policies and/or
dan/atau keputusan yang diambil Direksi BMI tidak decisions taken by BMI Directors do not deviate from
menyimpang dari ketentuan Bank Indonesia, Otoritas the regulations of Bank Indonesia, the Financial Services
Jasa Keuangan dan peraturan perundang-undangan Authority and the prevailing laws and regulations.
yang berlaku.

• Memantau dan menjaga kepatuhan Bank Muamalat • Monitoring and maintaining the compliance of Bank
Indonesia terhadap komitmen yang dibuat oleh Bank Muamalat Indonesia with commitments made by Bank
Muamalat Indonesia kepada Otoritas Jasa Keuangan Muamalat Indonesia to the Financial Services Authority
maupun otoritas pengawas lainnya yang berwenang. and other competent supervisory authorities.
• Meminimalkan risiko kepatuhan bank • Minimizing the bank’s compliance risks
• Mengkoordinir perumusan framework risiko terintegrasi • Coordinating the formulation of an integrated risk
di BMI framework at BMI
• Memastikan bahwa konsep risiko terintegrasi terkait • Ensure that the integrated risk concept is integrated into
kedalam perencanaan strategis Bank. the Bank’s strategic planning.
• Mengelola dan mengawasi pengukuran risiko Bank • Managing and supervising the Bank’s risk measurement
dilakukan secara menyeluruh, khususnya risiko pada is carried out comprehensively, especially risks in
kegiatan penghimpunan dana dan operasional Bank fundraising activities and the Bank’s operations
• Membangun dan mengembangkan budaya risiko di • Building and developing a risk culture at Bank Muamalat
Bank Muamalat Indonesia. Indonesia.
• Memberlakukan langkah-langkah yang dapat • Implementing measuers that will reduce and overcome
mengurangi dan menanggulangi berbagai jenis risiko various types of risks that can be faced by Bank Muamalat
yang dapat dihadapi oleh Bank Muamalat Indonesia Indonesia by coordinating with other Directors.
dengan berkoordinasi dengan Direksi lainnya.
• Membangun, mengembangkan dan mengawasi aktivitas • Building, developing, and supervising Bank Muamalat
mitigasi risiko perbankan Bank Muamalat Indonesia Indonesia’s banking risk mitigation activities to be more
menjadi lebih efisien dengan mempertimbangkan cost efficient by considering cost efficiency in order to achieve
efficiency guna mencapai hasil bisnis yang optimal dari optimal business results from the implementation of all
pelaksanaan seluruh aktivitas bisnis perusahaan. company business activities.
• Bertanggung jawab penuh atas pelaksanaan pengelolaan • Taking full responsibility for the management
Bank Muamalat Indonesia berdasarkan prinsip kehati- implementation of Bank Muamalat Indonesia based on
hatian dan prinsip Syariah. prudential principles and Sharia principles.
• Melaksanakan GCG dalam setiap kegiatan usaha Bank • Implementing GCG in every business activity of Bank
Muamalat Indonesia pada seluruh tingkatan atau jenjang Muamalat Indonesia at all levels of the organization
organisasi
Purnomo B. Soetadi Purnomo B. Soetadi

Direktur Bisnis Ritel Retail Banking Director
• Mengkoordinir perumusan strategi bisnis pada segmen • Coordinating the formulation of business strategies
retail banking sebagai dasar dalam pelaksanaan semua in the retail banking segment as the basis for the
aktivitas bisnis retail banking di Bank Muamalat implementation of all retail banking business activities
Indonesia guna tercapainya pertumbuhan bisnis Bank at Bank Muamalat Indonesia to enable Bank Muamalat
Muamalat Indonesia yang signifikan. Indonesia to achieve significant business growth.
• Mengkoordinir dalam pengembangan dan inovasi • Coordinating in the development and innovation of
produk pada segmen retail banking guna menjawab products in the retail banking segment to address
kebutuhan nasabah dan dinamika perkembangan customer needs and the dynamics of economic
ekonomi. development.
• Memastikan target pertumbuhan bisnis pada segmen • Ensuring business growth targets in the retail banking
retail banking sesuai dengan target yang ditentukan, dan segment are in accordance with the set targets, and work
bekerja sama dengan direktorat terkait guna menjaga dari closely with related directorates to maintain the quality
kualitas portofolio bisnis dengan mempertimbangkan of the business portfolio by taking into account risks and
risiko dan ketentuan regulator. regulatory requirements.
• Sebagai anggota “Board of Directors” bersama-sama • As a member of the “Board of Directors”, jointly maintain
menjaga pengelolaan Bank Muamalat Indonesia the management of Bank Muamalat Indonesia based on
berdasarkan prinsip kehati-hatian dan prinsip syariah. prudential principles and Sharia principles.
• Sebagai anggota “Board of Directors” bersama-sama • As a member of the “Board of Directors” jointly maintain
menjaga implementasi GCG dalam setiap kegiatan usaha the implementation of GCG in every BMI business activity
BMI pada seluruh tingkatan atau jenjang organisasi. at all levels or ranks of the organization.

2021 Annual Report
Awaldi Awaldi
Direktur Operasi Operation Director
• Mengkoordinir perumusan Standard Operational • Coordinating the formulation of Standard Operating
Procedure (SOP) sebagai dasar dalam semua aktivitas Procedures (SOP) as the basis for all banking operational
operasional perbankan di Bank Muamalat Indonesia. activities at Bank Muamalat Indonesia.
• Memberlakukan langkah-langkah yang dapat • Implementing measures that will reduce and mitigate
mengurangi dan menanggulangi berbagai jenis risiko various types of operational risks that can be encountered
operasional yang dapat dihadapi oleh Bank Muamalat by Bank Muamalat Indonesia by coordinating with other
Indonesia dengan berkoordinasi dengan Direksi lainnya. Directors.
• Memastikan agar seluruh operasional perbankan di • Ensuring that all banking operations at Bank Muamalat
Bank Muamalat Indonesia mematuhi policy dan SOP Indonesia comply with the prevailing internal and
yang berlaku baik internal maupun eksternal. external policies and standard operating procedures
(SOPs).
• Membangun, mengembangkan dan mengawasi aktivitas • Building, developing and supervising banking operations
operasional perbankan Bank Muamalat Indonesia of Bank Muamalat Indonesia to become more efficient
menjadi lebih efisien dengan mempertimbangkan cost by considering cost efficiency in order to achieve optimal
efficiency guna mencapai hasil bisnis yang optimal dari business results from the implementation of the Bank’s
pelaksanaan seluruh aktivitas bisnis perusahaan. business activities.
• Mengelola dan mengawasi penggunaan aset perusahaan • Managing and supervising the proper use of the
secara baik dan tepat untuk kegiatan bisnis, dengan company’s assets for business activities, by closely
melakukan koordinasi erat dengan para pimpinan unit coordinating with business unit leaders.
usaha.
• Memastikan dan mengawasi kualitas standar pelayanan • Ensuring and supervising the quality of service standards
terhadap nasabah sesuai dengan ketentuan yang to customers in accordance with applicable regulations
berlaku di semua unit bisnis pelayanan nasabah, guna in all customer service business units, in order to create
tercipta tingkat kepuasan nasabah yang baik. a good level of customer satisfaction.
• Bertanggung jawab penuh atas pelaksanaan pengelolaan • Taking full responsibility for the implementation of Bank
Bank Muamalat Indonesia berdasarkan prinsip kehati- Muamalat Indonesia management based on prudent
hatian dan prinsip Syariah. and Sharia Principles.
• Melaksanakan GCG dalam setiap kegiatan usaha BMI • Implementing GCG in every BMI business activity at all
pada seluruh tingkatan atau jenjang organisasi. levels or ranks of the organization.
Avianto Avianto
Direktur Pembiayaan Financing Director
• Mengkoordinir perumusan framework, target market, • Coordinate the formulation of the framework, target
dan risk acceptance criteria pembiayaan secara bank-wide market, and risk acceptance criteria for bank-wide
termasuk pengelolaan dan penanganan pembiayaan financing, including the management and handling of
bermasalah. non-performing financing.
• Memastikan bahwa konsep pembiayaan dan konsep • Ensure that the concept of financing and the concept of
pengelolaan pembiayaan bermasalah terintegrasi managing non-performing financing are integrated into
kedalam perencanaan strategis Bank. the Bank’s strategic planning.
• Mengelola dan mengawasi portfolio pembiayaan Bank • Manage and supervise the Bank’s financing portfolio
yang dilakukan secara menyeluruh. comprehensively.
• Membangun dan mengembangkan budaya risiko di • Build and develop a risk culture in the end-to-end
dalam proses end-to-end pembiayaan. financing process.
• Memberlakukan langkah-langkah untuk dapat mengelola • Implement steps to be able to manage the financing
portofolio pembiayaan dengan baik beserta mitigasi portfolio properly along with risk mitigation associated
risiko yang terkait dengan berkoordinasi dengan Direksi with coordinating with other Directors.
lainnya.
• Membangun, mengembangkan dan mengawasi aktivitas • Establish, develop and supervise credit risk mitigation
mitigasi risiko kredit guna mencapai hasil bisnis yang activities in order to achieve optimal business results
optimal dari pelaksanaan seluruh aktivitas bisnis Bank. from the implementation of all Bank business activities.
• Bertanggung jawab penuh atas pelaksanaan pengelolaan • Fully responsible for the implementation of the Bank’s
portofolio pembiayaan Bank berdasarkan prinsip kehati- financing portfolio management based on prudential
hatian, prinsip syariah, dan seluruh ketentuan yang principles, sharia principles, and all applicable
berlaku. regulations.

• Melaksanakan GCG termasuk memastikan setiap • Implementing GCG including ensuring that every Bank’s
kegiatan usaha Bank pada seluruh tingkatan atau jenjang business activities at all levels or levels of the organization
organisasi dilakukan secara berintegritas. are carried out with integrity.
KEPEMILIKAN SAHAM DIREKSI SHARE OWNERSHIP OF THE BOARD OF

DIRECTORS
Anggota Direksi, baik secara sendiri-sendiri atau bersama- Members of the Board of Directors, either individually or
sama dilarang memiliki saham melebihi 25% dari modal jointly are prohibited from owning shares exceeding 25% of
disetor pada perusahaan lain. Hal itu sesuai dengan the paid-up capital in other companies. This is in accordance
Peraturan Bank Indonesia No. 11/3/PBI/2009 tentang Bank with Bank Indonesia Regulation No. 11/3/PBI/2009 on
Umum Syariah sebagaimana diubah dengan Peraturan Bank Sharia Commercial Banks as amended by Bank Indonesia
Indonesia No. 15/3/PBI/2013 tentang Bank Umum Syariah Regulation No. 15/3/PBI/2013 on Sharia Commercial Banks
Pasal 29 ayat 3 menyebutkan bahwa. Seluruh Direksi Bank Article 29 paragraph 3 stating that. All Directors of Bank
Muamalat Indonesia telah memenuhi aturan tersebut. Muamalat Indonesia have complied with these rules.
Rincian Kepemilikan Saham Direksi Hingga 31 Desember Details of Shareownership of the Board of Directors as of
2021 31 December 2021
Kepemilikan Saham (Lembar Saham)
Share Ownership (Shares)
Nama Jabatan LJK-Non Bank
Name Position Bank Bank Lain Non-Bank Bank Lain
Muamalat Other Banks Financial Other Banks
Institutions
Achmad Kusna Permana Direktur Utama - - - -
President Director
Direktur Keuangan - - - -
Hery Syafril
Finance Director
Andri Donny Direktur Kepatuhan, Risiko dan Hukum 15.415 - - -
Purnomo B. Soetadi Direktur Bisnis Ritel - - - -
Awaldi Direktur Operasi - - - -
Operation Director
Direktur Pembiayaan - - - -
Avianto Istihardjo
Financing Director
RANGKAP JABATAN DIREKSI CONCURRENT POSITIONS OF THE BOARD

OF DIRECTORS
Bank mengatur mengenai rangkap jabatan Anggota Direksi The Bank sets that concurrent positions of members of the
mengacu pada Peraturan Bank Indonesia No. 11/3/PBI/2009 Board of Directors referS to Bank Indonesia Regulation No.
Tentang Bank Umum Syariah sebagaimana diubah dengan 11/3/PBI/2009 on Sharia Commercial Banks as amended
Peraturan Bank Indonesia No. 15/3/PBI/2013 tentang Bank by Bank Indonesia Regulation No. 15/3/PBI/2013 on Sharia
Umum Syariah pasal 29 ayat (1). Sesuai dengan dasar hukum Commercial Banks article 29 paragraph (1). In accordance
tersebut, anggota Direksi dilarang merangkap jabatan with this legal basis, members of the Board of Directors are
sebagai anggota Dewan Komisaris, anggota Direksi, atau prohibited from holding concurrent positions as members
Pejabat Eksekutif pada bank, perusahaan dan/atau lembaga of the Board of Commissioners, members of the Board of
lain. Larangan tersebut dikecualikan apabila: Directors, or Executive Officers in other banks, companies
and/or institutions. This prohibition is excluded if:
1. Direksi yang bertanggung jawab terhadap pengawasan 1. The member of the Board of Directors who is responsible
atas penyertaan pada perusahaan anak Bank, for the supervision of the Bank’s subsidiary companies,
menjalankan tugas fungsional menjadi anggota Dewan performs functional duties as a member of the Board of
Komisaris pada perusahaan anak bukan bank yang Commissioners in a non-bank subsidiary controlled by
dikendalikan oleh Bank; dan/atau the Bank; and/or
2. Direksi menduduki jabatan pada 2 (dua) lembaga nirlaba. 2. Directors hold positions at 2 (two) non-profit institutions.

2021 Annual Report
Rangkap Jabatan Direksi Hingga Concurrent Positions of the Board of

31 Desember 2021 Directors as of December 31, 2021
Nama Jabatan Jabatan pada Perusahaan Lain Nama Perusahaan
Name Position Position in Other Company Name of Company
Achmad Kusna Permana Direktur Utama - -
President Director
Direktur Keuangan - -
Hery Syafril
Finance Director
Andri Donny Direktur Kepatuhan, Risiko, dan Hukum - -
Compliance, Risk, and Legal Directors
Purnomo B. Soetadi Direktur Bisnis Ritel - -
Awaldi Direktur Operasi - -
Operation Director
Direktur Pembiayaan - -
Avianto
Financing Director
PENGELOLAAN BENTURAN MANAGEMENT OF CONFLICTS OF

KEPENTINGAN DIREKSI INTEREST FOR THE BOARD OF DIRECTORS
Anggota Direksi dilarang mengambil tindakan yang dapat Members of the Board of Directors are prohibited from
mengurangi aset atau mengurangi keuntungan bank umum taking actions that can reduce assets or reduce profits
syariah dan wajib mengungkapkan benturan kepentingan of sharia commercial banks and are required to disclose
dalam setiap keputusan, apabila terjadi benturan conflicts of interest in every decision, in the event of a
kepentingan, Hal tersebut sesuai dengan pasal 61 Peraturan conflict of interest. This is in accordance with article 61 of
Bank Indonesia No. 11/33/PBI/2009 tentang Pelaksanaan Bank Indonesia Regulation No. 11/33/PBI/2009 on the
Good Corporate Governance bagi Bank Umum Syariah dan Implementation of Good Corporate Governance for Sharia
Unit Usaha Syariah. Commercial Banks and Sharia Business Units.
Dengan demikian, Direksi wajib untuk: Therefore, the Board of Directors must always:
1. Mengutamakan kepentingan Bank dan tidak mengurangi 1. Prioritize the interests of the Bank and not reduce the
keuangan Bank dalam hal terjadi benturan kepentingan. Bank’s finances in the event of a conflict of interest.
2. Menghindari diri dari pengambilan keputusan dalam 2. Refrain from making decisions in situations and
situasi dan kondisi adanya benturan kepentingan. conditions of conflict of interest.
3. Melakukan pengungkapan hubungan kekeluargaan, 3. Disclose family relationships, financial relationships,
hubungan keuangan, hubungan kepengurusan, management relationships, and ownership relationships
hubungan kepemilikan dengan Anggota Komisaris lain with fellow Commissioners and/or members of the
dan/atau anggota Direksi dan/atau pemegang saham Board of Directors and/or controlling shareholders of
pengendali Bank dan/atau pihak lainnya dalam rangka the Bank and/or other parties in the framework of the
bisnis Bank. Bank’s business.
4. Melakukan pengungkapan dalam hal pengambilan 4. Making disclosures in terms of decision making must
keputusan tetap harus diambil pada kondisi adanya still be made in a condition where there is a conflict of
benturan kepentingan. interest.
PROGRAM PENGENALAN PERUSAHAAN ORIENTATATION PROGRAM FOR NEW

BAGI DIREKSI BARU DIRECTORS
Program orientasi berupa pengenalan perusahaan kepada The orientation program in the form of introducing the
Direksi baru dilakukan atas dasar beberapa pertimbangan, company to new Directors is carried out on the basis of
selain mandat regulasi. Pertama, mengingat anggota Direksi several considerations, in addition to regulatory mandates.
baru memiliki latar belakang beragam. Kedua, sebagai First, considering that the members of the Board of Directors
sarana saling mengenal antar anggota Direksi, yang sangat have different backgrounds. Second, as a means of mutual
mungkin belum pernah bekerja dalam satu tim sebelumnya. exchange between members of the Board of Directors, who
Dengan demikian, program orientasi menjadi sangat penting may not have worked in a team before. Thus, the orientation
untuk dilaksanakan dalam rangka menciptakan suatu tim program becomes crucial in order to create a solid work
kerja yang solid. team.

Berikut adalah cakupan prosedur Program Orientasi Bank The following is the scope of the Bank Muamalat Indonesia
Muamalat Indonesia: Orientation Program procedures:
1. Program orientasi mengenai Bank wajib diberikan 1. Oientation program regarding the Bank must be
kepada Anggota Direksi yang baru pertama kali menjabat provided to Members of the Board of Directors who are
di Bank. serving for the first time at the Bank.
2. Tanggung jawab pelaksanaan Program orientasi ada 2. Responsibility for implementing the orientation program
pada Direktur Utama. Jika Direksi Utama berhalangan rests with the President Director. In the event that the
maka tanggung jawab pelaksanaan program orientasi President Director is absent, the responsibility for
berada pada Komisaris Utama atau Direktur yang ada. implementing the orientation program rests with the
President Commissioner or the existing Director.
3. Materi yang diberikan pada Program orientasi meliputi 3. Material provided in the orientation program includes
hal-hal sebagai berikut: the following:
a. Keterangan mengenai tugas dan tanggung jawab a. Description of the duties and responsibilities of the
Dewan Komisaris dan Direksi berdasarkan hukum. Board of Commissioners and the Board of Directors
based on the law.
b. Penjelasan mengenai produk-produk jasa perbankan b. Explanation of the Bank’s banking service products.
Bank.
c. Pelaksanaan prinsip-prinsip Good Corporate c. Implementation of Good Corporate Governance
Governance oleh Bank. principles by the Bank
d. Gambaran mengenai Bank berkaitan dengan tujuan, d. Overview of the Bank in relation to its objectives,
sifat, lingkup kegiatan, kinerja keuangan dan operasi, nature, scope of activities, financial and operational
strategi, rencana usaha jangka pendek dan jangka performance, strategy, short and long term business
panjang, posisi kompetitif, risiko dan berbagai plans, competitive market share, risks, and various
masalah strategis lainnya. other strategic issues.
e. Penjelasan yang berkaitan dengan kewenangan yang e. Explanation relating to delegated authority, internal
didelegasikan, audit internal dan eksternal, sistem and external audits, internal control systems and
dan kebijakan pengendalian internal policies
f. Penjelasan mengenai kewajiban, tugas, tanggung f. Description of the obligations, duties, responsibilities
jawab dan hak-hak Dewan Pengawas Syariah, Dewan and rights of the Sharia Supervisory Board, Board of
Komisaris dan Direksi. Commissioners, and Board of Directors.
g. Team building yang menyertakan seluruh anggota g. Team building that includes all members of the
Direksi, baik yang baru menjabat maupun yang Board of Directors, both new and former
pernah menjabat sebelumnya
4. Program orientasi yang diberikan dapat berupa 4. The orientation program provided may take the form
presentasi, pertemuan atau kunjungan ke fasilitas Bank, of presentations, meetings or visits to Bank facilities,
perkenalan dengan para karyawan senior dan para introductions to senior employees and Bank employees
karyawan Bank serta program lainnya. and other programs.
Sepanjang tahun 2021, Bank tidak melaksanakan program During 2021, the Bank did not carry out the orientation/
orientasi/pengenalan dikarenakan tidak terdapat perubahan introduction program because there were no changes in the
struktur keanggotaan Direksi baru. membership structure of the Board of Directors.
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATION

Kompetensi dan keahlian di bidang manajemen risiko Competence and expertise in the field of risk management
merupakan sebuah kebutuhan dalam bisnis bank seiring is a necessity in the bank’s business, in line with the
dengan semakin kompleksnya kegiatan usaha perbankan increasingly complex banking business activities resulting in
sehingga potensi risiko yang dihadapi juga semakin besar. bigger potential risks to be faced. Thus, it becomes crucial for
Dengan demikian, menjadi sangat penting bagi pejabat Bank Bank officials to have the certification
untuk memiliki sertifikasi tersebut.
Hal itu juga sesuai dengan Peraturan Bank Indonesia No. This is also in accordance with Bank Indonesia Regulation
11/19/ PBI/2009 tentang Sertifikasi Manajemen Risiko bagi No. 11/19/PBI/2009 on Risk Management Certification for
Pengurus dan Pejabat Bank Umum. Dewan Komisaris dan Management and Officers of Commercial Banks. The Board
Direksi wajib memiliki Sertifikat Manajemen Risiko yang of Commissioners and Board of Directors are required
diterbitkan oleh Lembaga Sertifikasi Profesi. to have a Risk Management Certificate that is issued by a
Professional Certification Institute.

2021 Annual Report
Ketentuan Sertifikasi Manajemen Risiko Risk Management Certification Requirement

Jabatan Level Masa Berlaku
Position Level Validity Period
Komisaris 1 4 tahun
Commissioner 4 years
Komisaris Independen 2 4 tahun
Independent Commissioner 4 years
Direktur Utama dan Direktur dengan aset di atas Rp10 triliun 5 2 tahun
President Director and Directors with assets of above Rp10 trillion 2 years
Jika masa berlaku sertifikasi tersebut telah habis, maka In the event that the validity period of the certification has
wajib dilakukan program pemeliharaan (refreshment) secara expired, a periodic refreshment program is required, at least
berkala minimal 1 (satu) kali dalam 4 (empat) tahun untuk 1 (one) time in 4 (four) years for levels 1 and 2, or 1 (one) time
tingkat 1 dan 2, atau 1 (satu) kali dalam 2 (dua) tahun untuk in 2 (two) years for levels 3, 4, and 5.
tingkat 3, 4, dan 5.
Lembaga yang
Level
Mengeluarkan Tanggal Tanggal
Nama Jabatan Sertifikasi Bidang
Sertifikasi Dikeluarkan Kadaluarsa
Name Position Certification Field
Institution Issuing Issuance Date Expiration Date
Level
the Certification
Achmad Kusna Direktur Utama 5 Risk Management LSPP 9 September 2013 9 September 2023
Permana President Director Certification 9 September 2013 9 September 2023
Hery Syafril Direktur Keuangan 5 Risk Management LSPP 22 Maret 2014 22 Maret 2024
Finance Director Certification 22 March 2014 22 March 2024
Andri Donny Direktur 5 Risk Management LSPP 24 Mei 2014 24 Mei 2022
Kepatuhan, Risiko Certification 24 May 2014 24 May 2022
dan Hukum
Compliance, Risk,
and Legal Director
Purnomo B. Direktur Bisnis 5 Risk Management LSPP 21 November 21 Agustus 2023
Soetadi Ritel Certification 2015 21 August 2023
Retail Banking 21 November
Director 2015
Awaldi Direktur Operasi 5 Risk Management LSPP 30 Juni 2016 30 Juni 2024
Operation Director Certification 30 June 2016 30 June 2024
Avianto Direktur 5 Risk Management LSPP 19 Mei 2018 19 Mei 2022
Istihardjo Pembiayaan Certification 19 May 2018 19 May 2022
Financing Director
PROGRAM PENGEMBANGAN COMPETENCY DEVELOPMENT PROGRAM

KOMPETENSI DIREKSI OF THE BOARD OF DIRECTORS
Realisasi Pengembangan Kompetensi Competency Development Realization

Sebagai upaya untuk meningkatkan kompetensi, sepanjang As an effort to improve competence, during 2021 the Board
tahun 2021 Direksi telah mengikuti berbagai pelatihan yang of Directors has attended various trainings, which are
secara rinci disampaikan dalam bab “Profil Perusahaan” detailed in the chapter “Company Profile” in this Annual
dalam Laporan Tahunan ini. Report.
MEKANISME PENGUNDURAN DIRI DAN RESIGNATION AND DISMISSAL

PEMBERHENTIAN DIREKSI MECHANISMS OF THE BOARD OF
DIRECTORS
Mekanisme pengunduran diri dan pemberhentian Direksi The mechanism for the resignation and dismissal of the
telah diatur oleh Bank sebagai berikut: Board of Directors has been regulated by the Bank as follows:
1. Anggota Direksi berhak mengundurkan diri dari 1. Members of the Board of Directors have the right
jabatannya dengan memberitahukan secara tertulis to resign from their positions by providing a written
kepada perusahaan dalam jangka waktu 90 (sembilan notification to the company within 90 (ninety) days prior
puluh) hari sebelum pengunduran diri dimaksud. to the resignation.

2. Perseroan wajib menyelenggarakan RUPS untuk 2. The company shall hold a GMS to decide the application
memutuskan permohonan pengunduran diri anggota for resignation of members of the Board of Directprs no
Direksi tersebut dalam jangka waktu selambat- later than 90 (ninety) days after the receipt of the letter
lambatnya 90 (sembilan puluh) hari setelah diterimanya of resignation.
surat permohonan pengunduran diri.
3. Anggota Direksi yang mengundurkan diri tetap dapat 3. Members of the Board of Directors who resign can still
dimintakan pertanggungjawabannya sebagai Direktur be held accountable as Director from the date of the
sejak pengangkatan yang bersangkutan sampai dengan appointment until the date the resignation is approved.
tanggal disetujuinya pengunduran diri.
4. Perusahaan wajib melakukan keterbukaan informasi 4. The Company is required to disclose information to the
kepada masyarakat dan menyampaikan kepada Otoritas public and submit it to the Financial Services Authority
Jasa Keuangan paling lambat 2 (dua) hari kerja setelah: no later than 2 (two) working days after:
a. diterimanya permohonan pengunduran diri anggota a. receipt of the resignation of the member of the
Direksi Board of Directors
b. hasil penyelenggaraan RUPS b. the results of the GMS
5. RUPS dapat mengangkat orang lain untuk mengisi 5. The GMS can appoint another person to fill the position
jabatan seorang Direktur yang diberhentikan dari of a Director who has been dismissed from his/her
jabatannya dan RUPS dapat mengangkat seseorang position and the GMS can appoint someone as a Director
sebagai Direktur untuk mengisi suatu lowongan. Masa to fill a vacancy. The term of office of the person who
jabatan seseorang yang diangkat untuk menggantikan is appointed to replace the Director who is resigning or
Direktur yang berhenti secara demikian atau untuk to fill the vacancy is the remaining term of office of the
mengisi lowongan tersebut adalah sisa masa jabatan dismissed/ replaced Director.
dari Direktur yang diberhentikan/ digantikan tersebut.
6. Direksi wajib memberitahukan perubahan susunan dan 6. The Board of Directors is required to notify the changes
nama anggota Direksi kepada Menteri untuk dicatat in the composition and names of members of the Board
dalam daftar perseroan dalam jangka waktu 30 (tiga of Directors to the Ministry to be recorded in the list of
puluh) hari terhitung sejak tanggal keputusan RUPS atau companies within 30 (thirty) days from the date of the
keputusan yang mengikat di luar RUPS. GMS resolution or binding decisions outside the GMS.
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF

DIREKSI COMMITTEES UNDER THE BOARD OF
DIRECTORS
Dalam menjalankan tugas dan tanggung jawanya, Direksi In carrying out its duties and responsibilities, the Board of
dibantu oleh sejumlah komite yang dibentuk berdasarkan Directors is assisted by a number of committees that have
surat keputusan Direksi disertai tugas dan tanggung jawab been established based on the decree of the Board of
masing-masing komite. Selanjutnya tugas dan tanggung Directors along with the duties and responsibilities of each
jawab komite-komite tersebut secara rinci diatur dalam committee. Furthermore, the duties and responsibilities of
Piagam (Charter) Komite level Direksi Bank Muamalat. these committees are regulated in detail in the Charter of
the Board of Directors level Committees of Bank Muamalat.
Direksi BMI memiliki komite yang meliputi Komite Pengarah The Board of Directors of BMI has established committees,
Teknologi Informasi, Komite Manajemen Risiko Komite including the Information Technology Steering Committee,
Aset dan Kewajiban serta Komite Sumber Daya Manusia. Risk Management Committee, Assets and Liabilities
Penilaian kinerja Komite-komite yang berada di bawah Committee, and Human Resources Committee. Performance
Direksi dilakukan dilaksanakan secara periodik melalui assessment of committees under the Board of Directors is
Human Capital Division. carried out periodically through the Human Capital Division.

2021 Annual Report
Berikut adalah hasil penilaian Komite di Bawah Direksi atas Berikut adalah hasil penilaian Komite di Bawah Direksi atas
kinerja yang telah diberikan sepanjang tahun 2021: kinerja yang telah diberikan sepanjang tahun 2021:
Indikator Penilaian
Indicator Assessment
Struktur Organisasi Komite Struktur organisasi dan komposisi keanggotaan komite telah lengkap dan sesuai dengan kebutuhan Bank.
Committee Organizational Proses pengangkatan keanggotaan komite telah mengacu kepada ketentuan berlaku.
Structure
The organizational structure and membership composition of committees are complete and in accordance
with the needs of the Bank.
The committee membership appointment process has referred to the applicable provisions.
Ketersediaan Piagam Komite Seluruh komite telah memiliki piagam komite sebagai panduan dalam pelaksanaan tugas dan tanggung
Availability of Committee jawab sebagai anggota komite. Namun ke depannya masih diperlukan improvement dalam rangka
Charter pengkinian piagam komite yang telah ada.
All committees have a committee charter as a guide in carrying out their duties and responsibilities as
committee members. However, improvements are still needed in the future in order to update the existing
committee charter.
Dokumentasi Hasil Hasil rapat komite telah dituangkan dalam risalah rapat dan telah didokumentasikan dengan baik,
Rekomendasi Komite termasuk pengungkapan dissenting opinions (jika ada) secara jelas.
Documentation of Committee's The results of the committee meetings have been stated in the minutes of the meeting and have been well
Recommendations Results documented, including the disclosure of dissenting opinions (if any).
Pelaksanaan Rapat Komite Frekuensi rapat komite selama tahun 2021 telah sesuai dengan ketentuan dan mengacu kepada jadwal
Committee Meeting rapat tahunan yang telah ditetapkan.
Implementation The frequency of committee meetings during 2021 has been in accordance with the provisions and refers
to the set annual meeting schedule.

Hubungan Afiliasi antara Anggota Direksi,

Dewan Komisaris, dan Pemegang Saham
Utama dan/atau Pengendali
Affiliated Relationships between Members of the Board of Directors, the Board
of Commisisoners, and Majority and/or Controlling Shareholders
HUBUNGAN AFILIASI DEWAN KOMISARIS AFFILIATED RELATIONS OF THE BOARD

OF COMMISSIONERS
Bank mengatur pengungkapan hubungan afiliasi Dewan The Bank regulates the disclosure of affiliations of the
Komisaris mencakup hubungan keluarga dan hubungan Board of Commissioners, including family relationships and
keuangan dengan anggota Dewan Komisaris lainnya, Direksi, financial relationships with fellow members of the Board
maupun pemegang saham pengendali. Bentuk hubungan of Commissioners, Board of Directors, and controlling
keuangan termasuk di antaranya utang-piutang, kerja sama shareholders. Forms of financial relationships include
bisnis, dan sebagainya. Sementara itu, bentuk hubungan lending and borrowing, business cooperation, and others.
keluarga mencakup hubungan istimewa terutama yang Moreover, the form of family relationships includes special
disebabkan hubungan pertalian darah seperti suami/istri/ relationships, especially those caused by blood ties, such as
anak/orang tua/saudara kandung/ipar, dan sebagainya. husband/wife/children/parents/siblings/in-laws, and others.
Pernyataan Hubungan Afiliasi Dewan Komisaris Affiliated Relations of the Board of

Commissioners
Hubungan Keluarga dengan Hubungan Keuangan dengan
Family Relationship with Financial Relationship with
Hubungan
Pemegang Pemegang Kepengurusan
Dewan Dewan
Direksi Saham Direksi Saham Management
Nama Jabatan Komisaris Komisaris
Board of Pengendali Board of Pengendali Relationship
Name Position Board of Board of
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No Yes No
Ilham A. Komisaris √ √ √ √ √ √ √
Habibie Utama/
Komisaris
Independen
President
Commissioner/
Independent
Commissioner
Iggi H. Komisaris √ √ √ √ √ √ √
Achsien Independen
Independent
Commissioner
Edy Setiadi Komisaris √ √ √ √ √ √ √
Independen
Independent
Commissioner
Mohamed Komisaris √ √ √ √ √ √ √
Hedi Mejai*) Commissioner
Abdulsalam Komisaris √ √ √ √ √ √ √
Mohammad Commissioner
Joher Al-
Saleh*)
*)

2021 Annual Report
HUBUNGAN AFILIASI DIREKSI AFFILIATED RELATIONS OF THE BOARD

OF COMMISSIONERS
Bank mengatur pengungkapan hubungan afiliasi Direksi The Bank regulates the disclosure of affiliations of the
mencakup hubungan keluarga dan hubungan keuangan Board of Commissioners, including family relationships and
dengan anggota Direksi lainnya, Dewan Komisaris, maupun financial relationships with fellow members of the Board
Pemegang Saham pengendali. Bentuk hubungan keuangan of Commissioners, Board of Directors, and controlling
termasuk di antaranya utang-piutang, kerja sama bisnis, shareholders. Forms of financial relationships include
dan sebagainya. Sementara bentuk hubungan keluarga lending and borrowing, business cooperation, and others.
mencakup hubungan istimewa terutama yang disebabkan Moreover, the form of family relationships includes special
hubungan pertalian darah seperti suami/istri/anak/orang relationships, especially those caused by blood ties, such as
tua/saudara kandung/ipar, dan sebagainya. husband/wife/children/parents/siblings/in-laws, and others.
Pernyataan Hubungan Afiliasi Direksi Statement of Affiliated Relations of the Board of

Commissioners
Hubungan
Dewan Dewan
Achmad Direktur √ √ √ √ √ √ √
Kusna Utama
Permana President
Director
Direktur √ √ √ √ √ √ √
Keuangan
Hery Syafril
Finance
Director
Andri Direktur √ √ √ √ √ √ √
Donny Kepatuhan,
Risiko dan
Hukum
Compliance,
Risk, and
Legal Director
Purnomo Direktur √ √ √ √ √ √ √
B. Soetadi Bisnis Ritel
Retail
Banking
Director
Awaldi Direktur √ √ √ √ √ √ √
Operasi
Operation
Director
Direktur √ √ √ √ √ √ √
Avianto Pembiayaan
Istihardjo Financing
Director

Kebijakan Pengungkapan Informasi

Kepemilikan Saham
Policy on Disclosure of Information on Share Ownership
Anggota Direksi wajib melaporkan kepada Perseroan Members of the Board of Directors are required to report to
mengenai saham yang dimiliki anggota Direksi yang the Company regarding shares owned by members of the
bersangkutan dan/atau keluarganya dalam Perseroan Board of Directors and/or their families in the Company and
dan Perseroan lain untuk selanjutnya dicatat dalam daftar other companies to be subsequently recorded in a special
khusus, termasuk setiap perolehan dan perubahan dalam register, including any acquisitions and changes in share
kepemilikan saham tersebut wajib dilaporkan. Anggota ownership that must be reported. Members of the Board of
Direksi yang tidak melaksanakan kewajiban tersebut dan Directors who do not conduct these obligations and cause
menimbulkan Kerugian bagi Perseroan, bertanggung jawab losses to the Company, are personally responsible for the
secara pribadi atas Kerugian Perseroan. Anggota Direksi Company’s losses. In the GCG implementation report,
wajib mengungkapkan kepemilikan saham yang mencapai members of the Board of Directors are required to disclose
5% (lima persen) atau lebih, baik pada Bank maupun pada share ownership that reaches 5% (five percent) or more, both
bank dan perusahaan lain, yang berkedudukan di dalam dan in the Bank and in other banks and companies, domiciled at
di luar negeri dalam laporan pelaksanaan GCG. home and abroad.
Anggota Dewan Komisaris wajib melaporkan kepada Members of the Board of Commissioners are required to
Perseroan mengenai kepemilikan sahamnya dan/atau report the ownership of their shares and/or their families in
keluarganya pada Perseroan dan Perseroan lain untuk the Company and other companies to the Company to be
selanjutnya dicatat dalam daftar khusus, termasuk setiap subsequently recorded in a special register, including any
perolehan dan perubahan dalam kepemilikan saham acquisitions and changes in share ownership that must be
tersebut wajib dilaporkan. Anggota Dewan Komisaris reported. In the GCG implementation report, members of
wajib mengungkapkan kepemilikan saham yang mencapai the Board of Commissioners are required to disclose share
5% (lima persen) atau lebih pada Bank dalam laporan ownership of 5% (five percent) or more in the Bank.
pelaksanaan GCG.
KEBIJAKAN KEBERAGAMAN DEWAN POLICY ON THE DIVERSITY OF THE

KOMISARIS DAN DIREKSI BOARD OF COMMISSIONERS AND BOARD
OF DIRECTORS
Sesuai dengan rekomendasi Otoritas Jasa Keuangan yang Pursuant to the recommendations of the Financial Services
tertuang dalam Lampiran Surat Edaran Otoritas Jasa Authority as contained in the Attachment to the Circular Letter
Keuangan Nomor 32/SEOJK.04/2015 tentang Pedoman Tata of the Financial Services Authority No. 32/SEOJK.04/2015 on
Kelola Perusahaan Terbuka, disebutkan bahwa penentuan Governance Guidelines for Public Companies, it is stated
komposisi anggota Dewan Komisaris memperhatikan that the determination of the membership composition
keberagaman keahlian, pengetahuan dan pengalaman of the Board of Commissioners takes into account the
yang dibutuhkan sesuai dengan tujuan dan kebutuhan diversity of expertise, knowledge, and experience required
perusahaan. in accordance with the company’s objectives and needs.
Sebagai perusahaan yang senantiasa memenuhi aturan As a company that always complies with the relevant
relevan yang berlaku, Bank memiliki kebijakan keberagaman applicable regulations, the Bank has a diversity policy for
Dewan Komisaris dan Direksi. Bagi BMI, komposisi Dewan the Board of Commissioners and the Board of Directors. For
Komisaris dan Direksi yang memperhatikan tujuan dan BMI, the composition of the Board of Commissioners and
kebutuhan perusahaan tersebut merupakan suatu hal Board of Directors that takes into account the objectives and
yang positif, khususnya terkait pengambilan keputusan needs of the company is a positive matter, particularly in
dalam rangka pelaksanaan fungsi pengawasan oleh Dewan regards to decision making in the context of implementing
Komisaris dan fungsi pengelolaan yang dijalankan oleh the supervisory function by the Board of Commissioners
Direksi dengan mempertimbangkan berbagai aspek yang and the management function by the Board of Directors by
lebih luas. considering various broader aspects.

2021 Annual Report
Pernyataan Keberagaman Komposisi Dewan Statement on the Diversity of the Composition

Komisaris of the Board of Commissioners
Nama Jabatan Usia Pendidikan Pengalaman Kerja Keahlian
No. Gender
Name Position Age Education Work Experience Expertise
1 Ilham A. Komisaris 58 Laki-laki • MBA Business • Mengawasi pekerjaan Direksi • Ekonomi Bisnis
Habibie Utama/ Male MBA Business agar sesuai dengan Rencana Kerja Business
Komisaris • Dr.Ing Tehnik Perusahaan Economics
Independen Dr. Ing • Oversee the work of the Board of • Teknik
President Engineering Directors in accordance with the Aeronautika
Commissioner/ • Dipl. Ing Tehnik Bank’s Work Budget Plan Aeronautical
Independent Dipl. Ing • Menjalankan operasi Perusahaan Engineering
Commissioner Engineering agar sesuai dengan Rencana Kerja • Teknologi
Perusahaan, Informasi
termasuk membentuk dan Information
mengawasi/ mengontrol Direksi Technology
menjalankan Rencana Kerja
Perusahaan
• Carry out Company operations
in accordance with the Company
Work Plan, including establishing
and supervising/controlling the
Board of Directors in carrying out
the Company’s Work Plan
2 Iggi H. Komisaris 44 Laki-laki • MBA, Global • Terlibat dalam penerbitan Obligasi • Perbankan
Achsien Independen Male Leadership Syariah Mudharabah Indosat Syariah
Independent Executive tahun 2002 Sharia Banking
Commissioner MBA, Global • Involved in the issuance of Indosat • Pasar Modal
Leadership Mudharabah Bonds in 2002 Capital Market
Executive • Terlibat proses penerbitan Sukuk • Asuransi
• Sarjana Ekonomi Negara tahun 2008 Insurance
Bachelor in • Involved in the issuance process of
Economics 2008 State Sukuk
3 Edy Setiadi Komisaris 64 Laki-laki • Magister • Deputi Komisaris, IKNB, OJK • Perbankan
Independen Male Ekonomi • FSA Deputy Commissioner for Banking
Independent Pertanian Non-Bank Financial Institution • Industri
Commissioner Magistrate in • Kepala Departemen Perbankan Keuangan Non-
Agricultural Syariah, OJK Bank
Economics • FSA Head of Sharia Banking Non-Bank
• Sarjana • Direktur Eksekutif DPBS, BI Financial Industry
Peternakan • Executive Director of DPBS, BI
Bachelor
in Animal
Husbandry
4 Mohamed Komisaris 52 Laki-laki • MBA, Manajemen • Director of • Ekonomi
Hedi Mejai*) Commissioner Male Strategis dan the Enterprise Department, IDB Keuangan
Keuangan • Chief Executive Officer & Board Financial
MBA, Strategic Member, Oryx Capital Ltd. (OC), Economics
and Financial Dubai, UAE
Management • Executive Director, Investment
• S1 Ekonomi & Business Development, IIB,
Bachelor in Manama, Kingdom of Bahrain
Economics • Division Chief, Investment
Operation and Marketing, IDB
Group
5 Abdulsalam Komisaris 56 Laki-laki S1 Administrasi • Deputy CEO, Boubyan Bank • Perbankan
Mohammad Commissioner Male Bisnis • Board Member, Boubyan Takaful Banking
Joher Al- Bachelor in Insurance • Asuransi
Saleh*) Business • Board Member, United Capital Insurance
Administration Bank (Sudan-Khartoum) • Manajemen
• Vice Chairman, Boubyan Capital Investasi Syariah
• Regional Manager, National Bank Sharia
of Abu Dhabi – Kuwait Branch Investment
• Head of Domestic Corporate Management
Banking Division, NBK
*)
Has not effectively served as a Commissioner and his dismissal as a member of the Board of Commissioners was ratified through the EGMS on February 28, 2022

Sementara itu, keberagaman Komposisi Direksi Bank Meanwhile, the diversity of the composition of the Board of
Muamalat Indonesia Tahun 2021 dapat dilihat dalam tabel Directors of Bank Muamalat Indonesia in 2021 is presented
sebagai berikut: in the following table:
Nama Jabatan Usia Pendidikan Pengalaman Keahlian

No. Gender
Name Position Age Education Experience Expertise
1 Achmad Direktur Utama 56 Laki-laki • Magister • Chief General Manager, PT Bank • Perbankan
Kusna President Male Manajemen Bali Indonesia Syariah
Permana Director Institut Keuangan • Senior Vice President Consumer Sharia Banking
Perbankan dan Banking Group, HSBC • Keuangan
Informatika Asia • Executive Vice President Head of Finance
(2021) Syariah Banking, Bank Danamon
Master in Indonesia
Management of • Director Syariah, Permata Bank
Asian Banking
Finance and
Informatics
Institute (2021)
• Sarjana
Pertanian Institut
Pertanian Bogor
(1989)
Bachelor of
Agriculture
from Bogor
Agricultural
University (1989)
2 Hery Syafril Direktur 52 Laki-laki • MBA • Akuntan Publik, Ernst & Young • Perbankan
Keuangan Male International • Public Accountant, Ernst & Young Banking
Finance Business • Chief Financial Officer & Legal • Akuntansi
Director MBA in Entity Controller, JP Morgan Accounting
International Indonesia • Keuangan
Business • Controller, Rabobank Finance
• S1 Akuntansi • Finance Director, PT Bank QNB
Bachelor in Kesawan
Accounting
3 Andri Direktur 50 Laki-laki S1 Geofisika & • Branch Manager, Bank Muamalat • Perbankan
Donny Kepatuhan, Male Meteorologi Indonesia Syariah
Risiko dan Bachelor in • Product Development, Bank Sharia Banking
Hukum Geophysics and Muamalat Indonesia • Keuangan
Compliance, Meteorology • Treasury, Bank Muamalat Finance
Risk, and Legal Indonesia
Director • Assistant Director Corporate
Planning, Bank Muamalat
Indonesia
• Pelaksana Tugas Head of Risk
Management Division
• Head of Finance & Strategy
Division
• Head of Strategic Change
Management Division
• Head of Strategic Planning Division
4 Purnomo B. Direktur Bisnis 53 Laki-laki • Doktor Ilmu • Assistant Vice President – Branch • Perbankan
Soetadi Ritel Male Ekonomi Manager, Standard Chartered Banking
Retail Banking PhD in Bank • Keuangan
Director Economics • Vice President - Regional Head, Finance
• Master Standard Chartered Bank
Komunikasi • Senior Vice President - Pemimpin
Bisnis Wilayah Regional II Jawa Barat,
Master in Bank Danamon
Business • Senior Vice President - Pemimpin
Communication Divisi Retail Banking Network
• S1 Psikologi Distribution, Bank Danamon
Bachelor in • Executive Vice President –
Psychology Pemimpin Divisi Customer
Management & Marketing, Bank
Negara Indonesia

2021 Annual Report
Nama Jabatan Usia Pendidikan Pengalaman Keahlian

No. Gender
Name Position Age Education Experience Expertise
5 Awaldi Direktur 55 Laki-laki • MBA • Head of HR, Bank Niaga • Perbankan

Operasi Male International • Director of Commerce Leadership Banking
Operation Business Institute, CIMB • Human Capital
Director MBA in • Head of HR & HR Project Manager Human Capital
International for Business Transformation, Bank
Business Ekonomi HSBC Group
• S1 Psikologi • Director of Towers Watson
Bachelor in Indonesia
Psychology
6 Avianto Direktur 51 Laki-laki • Doktor • General Manager Public Sector • Perbankan
Pembiayaan Male Manajemen & Corporate Credit Processing, Banking
Financing Strategis PT Bank NISP Tbk • Manajemen
Director PhD in Strategic • Vice President – Credit Risk Risiko
Management Division Head, Bank OCBC NISP Risk
• Magister • Vice President – Global Consumer Management
Manajemen Group CitiBusiness Risk Head
jurusan Citibank Indonesia
Manajemen • Vice President – Institutional Client
Risiko Group – Local Commercial Bank,
Master in Citibank Indonesia
Management • Senior Vice President – Head of
majoring in Risk Credit
Management Risk Management, PT Bank
• S1 Akuntansi Ekonomi Raharja Tbk
Bachelor in • Head of Corporate Credit Group,
Accounting DBS Bank
• Executive Director – Corporate
Credit Group, DBS Bank

Penilaian Dewan Komisaris dan Direksi

Assessment of the Board of Commissioners and the Board of Directors
PENILAIAN DEWAN KOMISARIS ASSESSMENT OF THE BOARD OF

COMMISSIONERS
Prosedur Penilaian Assessment Procedure

Proses penilaian Dewan Komisaris melalui mekanisme self- The assessment process for the Board of Commissioners
assessment diawali dengan penisian kerta kerja. Formulir through the self-assessment mechanism begins with
tersebut berisi kriteria/indikator pelaksanaan tugas dan the completion of the work paper. The form contains
tanggung jawab sesuai ketentuan yang berlaku serta atas criteria/indicators of the implementation of duties and
kompetensi kinerja selama satu semester/tahun untuk responsibilities in accordance with applicable regulations as
kemudian dilaporkan kepada Otoritas Jasa Keuangan. well as performance competencies for one semester/ year to
be reported to the Financial Services Authority.
Setelah itu, hasil penilaian tersebut dibawa ke RUPS Tahunan Subsequently, the assessment results are brought to
untuk disampaikan kepada Pemegang Saham untuk the Annual GMS to be submitted to the Shareholders for
evaluasi. Pada penyerahan laporan, RUPS juga memberikan evaluation. At the submission of the report, the GMS also
pelunasan dan pembebasan tanggung jawab sepenuhnya granted full release and discharge (volledig acquit et de
(volledig acquit et de charge) kepada Dewan Komisaris atas charge) to the Board of Commissioners for management
tindakan pengelolaan (pengawasan) yang dilakukan pada (supervisory) actions carried out in the fiscal year that ended
tahun buku yang berakhir pada akhir tahun. at the end of the year.
Hasil evaluasi terhadap kinerja secara keseluruhan dan The results of the evaluation on the overall and individual
masing-masing anggota Dewan Komisaris secara individual performance of the Board of Commissioners are taken into
menjadi pertimbangan dalam skema kompensasi dan account in the compensation and incentive schemes. The
pemberian insentif. Hasil evaluasi kinerja masing-masing results of the individual performance evaluation of each
anggota Dewan Komisaris secara individual menjadi member of the Board of Commissioners become one of the
salah satu dasar pertimbangan Pemegang Saham untuk basis for the consideration of the Shareholders to dismiss
memberhentikan dan/atau menunjuk kembali anggota and/or reappoint the relevant member of the Board of
Dewan Komisaris yang bersangkutan. Commissioners.
Hasil evaluasi kinerja Dewan Komisaris, baik sebagai Dewan The performance evaluation results on the Board of
Komisaris maupun individu merupakan sarana penilaian Commissioners, both as the Board of Commissioners and
serta peningkatan efektivitas Dewan Komisaris. as individuals, are a means of assessing and increasing the
effectiveness of the Board of Commissioners.
Kriteria Penilaian Assessment Criteria

Kinerja Dewan Komisaris secara umum ditentukan The performance of the Board of Commissioners is generally
berdasarkan tugas kewajiban yang tercantum dalam determined based on the duties and obligations listed in the
peraturan perundang-undangan yang berlaku dan Anggaran applicable laws and regulations and the Company’s Articles
Dasar Perusahaan maupun amanat Pemegang Saham. of Association as well as the mandate of the Shareholders.
Kriteria evaluasi disampaikan secara terbuka kepada Dewan The evaluation criteria are submitted transparently to the
Komisaris sejak pengangkatan pertamanya. Board of Commissioners since their first appointment.
Kriteria self-assessment Dewan Komisaris terbagi menjadi 3 The Board of Commissioners’ self-assessment criteria
(tiga) aspek: Governance Structure (14 indikator), Governance are divided into 3 (three) aspects: Governance Structure
Process (20 indikator) dan Governance Outcome (8 indikator). (14 indicators), Governance Process (20 indicators) and
Governance Outcome (8 indicators).

2021 Annual Report
Indikator Penilaian Kinerja Dewan Komisaris Performance Assessment Indicators of the Board of
Commissioners
Aspek
Indikator Indicator
Aspect
Governance 1. Jumlah Anggota Dewan Komisaris 1. Number of Members of the Board of Commissioners
Structure 2. Jumlah Dewan Komisaris yang berdomisili di Indonesia 2. Number of Members of the Board of Commissioners
3. Jumlah Komisaris Independen domiciled in Indonesia
4. Rangkap Jabatan Anggota Dewan Komisaris 3. Number of Independent Commissioners
5. Rangkap Jabatan Komisaris Independen sebagai Ketua 4. Concurrent Positions of Members of the Board of
Komite di bawah Dewan Komisaris Commissioners
6. Tidak ada hubungan Keluarga sesama anggota Dewan 5. Concurrent Position of Independent Commissioner
Komisaris dan/atau Direksi as Chairperson of Committees under the Board of
7. Ketersediaan pedoman dan tata tertib kerja Commissioners
8. Integritas, kompetensi dan reputasi keuangan 6. No family relationship among members of the Board of
9. Masa tunggu (cooling off) bagi anggota yang berasal dari Commissioners and/or Board of Directors
mantan anggota Direksi 7. Availability of work guidelines and procedures
10. Tidak ada hubungan keuangan, kepengurusan, 8. Integrity, competence and financial reputation
kepemilikan saham dan/atau hubungan keluarga yang 9. Waiting period (cooling off) for members who are former
dapat mempengaruhi independensi members of the Board of Directors
11. Pemenuhan kelulusan fit and proper test OJK 10. No financial relationship, management, share ownership
12. Kompetensi yang memadai dan relevan dengan jabatan and/or family relationship that can affect independence
untuk menjalankan tugas dan tanggung jawab 11. Fulfillment of passing the FSA fit and proper test
13. Kemauan dan kemampuan untuk melakukan 12. Adequate and relevant competence to the position to
pembelajaran secara berkelanjutan carry out the duties and responsibilities
14. Komposisi Dewan Komisaris tidak memenuhi ketentuan 13. Willingness and ability to carry out continuous learning
karena adanya intervensi pemilik 14. The composition of the Board of Commissioners does not
meet the requirements due to owner intervention
Governance 1. Proses Pengangkatan dan/atau penggantian anggota 1. Process of Appointment and/or replacement of members
Process Dewan Komisaris of the Board of Commissioners
2. Telah memastikan penyelenggaraan prinsip-prinsip Good 2. Has ensured the implementation of Good Corporate
Corporate Governance dalam setiap kegiatan usaha Governance principles in every business activity
3. Melakukan kewajiban dalam pengawasan pelaksanaan 3. Carry out obligations in supervising the implementation of
tugas dan tanggung jawab Direksi the duties and responsibilities of the Board of Directors
4. Telah mengarahkan, memantau dan mengevaluasi 4. Has directed, monitored, and evaluated the
pelaksanaan kebijakan strategis Bank implementation of the Bank’s strategic policies
5. Telah menyetujui, mengevaluasi kebijakan Manajemen 5. Has approved, evaluated Risk Management policies and
Risiko dan strategi Manajemen Risiko Risk Management strategies
6. Evaluasi atas pertanggung jawaban Direksi dan 6. Evaluate the accountability of the Board of Directors
memberikan arahan perbaikan atas pelaksanaan and provides direction for improvement on the
Manajemen Risiko implementation of Risk Management
7. Menyetujui dan mengawasi Rencana Bisnis Bank dan 7. Approve and supervise the Bank’s Business Plan and
rencana korporasi corporate plans
8. Tidak terlibat dalam pengambilan keputusan kegiatan 8. Not involved in decision making on the Bank’s operational
operasional Bank activities
9. Memastikan bahwa Direksi telah menindaklanjuti temuan 9. Ensure that the Board of Directors has followed up on
audit dan rekomendasi dari Satuan Kerja Audit Intern audit findings and recommendations from the Bank’s
(SKAI) Bank Internal Audit Unit (IAU)
10. Melakukan pemberitahuan kepada OJK jika terjadi 10. Notify the FSA if there is a violation of the regulations
pelanggaran peraturan 11. Independence in performing duties and responsibilities
11. Independensi dalam pelaksanaan tugas dan tanggung 12. Establishment of the Audit Committee, Risk Monitoring
jawab Committee, and Remuneration and Nomination
12. Pembentukan Komite Audit, Komite Pemantau Risiko, Committee
serta Komite Remunerasi dan Nominasi 13. The process of appointment of Committee Members
13. Proses pengangkatan Anggota Komite 14. Ensure that the Committee completed its duties and
14. Memastikan Komite menjalankan tugas dan tanggung responsibilities
jawabnya 15. Provision of sufficient time by members in conducting
15. Penyediaan waktu yang cukup oleh anggota dalam their duties and responsibilities
melaksanakan tugas dan tanggung jawab 16. Implementation of the Board of Commissioners Meetings
16. Pelaksanaan Rapat Dewan Komisaris 17. Meeting’s decision making mechanism
17. Mekanisme pengambilan keputusan Rapat 18. Not using the Bank for personal, family, and/or other
18. Tidak memanfaatkan Bank untuk kepentingan pribadi, party interests
keluarga, dan/atau pihak lain 19. Not taking and/or receiving personal benefits from the
19. Tidak mengambil dan/atau menerima keuntungan pribadi Bank
dari Bank 20. Owner intervention in the implementation of duties of the
20. Intervensi pemilik terhadap pelaksanaan tugas Dewan Board of Commissioners
Komisaris
Governance 1. Dokumentasi hasil rapat Dewan Komisaris 1. Documentation of the results of the Board of
Outcome 2. Penyampaian hasil rapat kepada seluruh anggota Dewan Commissioners meeting
Komisaris dan pihak terkait 2. Submission of meeting results to all members of the
3. Implementasi hasil rapat Dewan Komisaris Board of Commissioners and related parties
4. Pengungkapan informasi mandatory pada Laporan GCG 3. Implementation of the results of the Board of
Bank Commissioners Meeting
5. Efektivitas pengawasan aktif Dewan Komisaris 4. Disclosure of mandatory information on the Bank’s GCG
6. Peningkatan pengetahuan, keahlian dan kemampuan reports
anggota Dewan Komisaris 5. The effectiveness of the Board of Commissioners’ active
7. Adanya gangguan/kerugian akibat intervensi pemilik supervision
terhadap Dewan Komisaris 6. Increase the knowledge, skills and abilities of members of
8. Penerapan manajemen risiko the Board of Commissioners
7. There is interference/loss due to owner intervention
against the Board of Commissioners
8. Implementation of risk management

Pihak yang Melakukan Penilaian Parties Conducting the Assessment

Mengingat metode yang digunakan ialah self-assesssment, Considering that the method used is self-assessment,
maka pihak yang melakukan penilaian terhadap kinerja the party that evaluates the performance of the Board of
Dewan Komisaris adalah Dewan Komisaris sendiri dan Commissioners is the Board of Commissioners itself and is
dibantu oleh fungsi terkait. assisted by related functions.
Hasil Penilaian Rating Result

Berikut adalah hasil penilaian self-assessment yang telah The following are the results of the self-assessment that
dilaksanakan pada semester I dan II tahun 2021 dari aspek has been carried out in the first and second semesters of
Governance Structure, Governance Process, dan Governance 2021 from the aspects of Governance Structure, Governance
Outcome pada Dewan Komisaris. Process, and Governance Outcome on the Board of
Commissioners.
1. Jumlah dan komposisi anggota Dewan Komisaris, Direksi 1. The number and membership composition of the Board
dan DPS Bank Muamalat telah sesuai dengan ketentuan of Commissioners, Board of Directors and SSB of Bank
dimana Dewan Komisaris berjumlah 5 (lima) orang dan 3 Muamalat are in accordance with the provisions, where
(tiga) di antaranya merupakan Komisaris Independen. the Board of Commissioners consists of 5 (five) people
and 3 (three) of them are Independent Commissioners.
2. Anggota Dewan Komisaris Bank Muamalat Indonesia 2. Members of the Board of Commissioners of Bank
memiliki kompetensi yang memadai dan relevan dengan Muamalat Indonesia have adequate and relevant
jabatannya untuk menjalankan tugas dan tanggung competence to their positions to carry out their
jawabnya serta mampu mengimplementasikan duties and responsibilities and are able to implement
kompetensi yang dimilikinya dalam pelaksanaan tugas their competencies in carrying out their duties and
dan tanggung jawabnya. responsibilities.
3. Tidak terdapat hubungan keluarga sampai dengan 3. There is no family relationship up to the second degree
derajat kedua baik sesama sesama anggota Dewan with fellow members of the Board of Commissioners
Komisaris serta anggota Direksi dengan Dewan and members of the Board of Directors and the Board of
Komisaris. Commissioners.
4. Dewan Komisaris telah memiliki pedoman dalam 4. The Board of Commissioners has guidelines in
pelaksanaan tugas dan tanggung jawabnya sesuai performing its duties and responsibilities suitable to its
fungsinya. function.
5. Dalam rangka membantu pelaksanaan tugas 5. In order to assist the implementation of supervisory
pengawasan, Dewan Komisaris telah membentuk duties, the Board of Commissioners has established
Komite sesuai dengan ketentuan. Committees in accordance with the provisions.
6. Pengangkatan dan/atau penggantian anggota Dewan 6. The appointment and/or replacement of members
Komisaris telah sesuai dengan ketentuan dan telah of the Board of Commissioners is in accordance
memperhatikan rekomendasi Komite Nominasi dan with the provisions and has taken into account the
Remunerasi. recommendations of the Nomination and Remuneration
Committee.
7. Dewan Komisaris telah menjalankan pengawasan dan 7. The Board of Commissioners has carried out supervision
pemberian nasihat kepada Direksi melalui rapat Dewan and provided advice to the Board of Directors through
Komisaris bersama Direksi. meetings of the Board of Commissioners with the Board
of Directors.
8. Dalam rangka menjalankan tugas dan fungsinya, Dewan 8. In fulfilling its duties and functions, the Board of
Komisaris secara rutin telah menyelenggarakan rapat- Commissioners regularly holds Board of Commissioners’
rapat Dewan Komisaris dan rapat Dewan Komisaris meetings and Board of Commissioners’ meetings with
bersama Direksi sesuai ketentuan. Rapat tersebut the Board of Directors in line with the provisions. These
dilaksanakan dalam rangka melakukan pengawasan meetings ar eimplemented in order to supervise the
terhadap pelaksanaan tugas dan tanggung jawab Direksi implementation of the duties and responsibilities of the
dan pemberian nasihat kepada Direksi. Board of Directors and provide advice to the Board of
Directors.
9. Dewan Komisaris telah menyetujui dan melakukan 9. The Board of Commissioners has approved and
pengawasan terhadap Rencana Bisnis Bank dan supervised the Bank’s Business Plan and submitted
menyampaikan laporan hasil pengawasan Rencana reports on the results of the supervision of the Bank’s
Bisnis Bank kepada OJK secara berkala. Business Plan to OJK on a regular basis.

2021 Annual Report
10. Dewan Komisaris telah melakukan upaya-upaya dalam 10. The Board of Commissioners has made efforts to improve
rangka meningkatkan pelaksanaan aspek GCG antara the aspect of GCG implementation, including adjusting
lain menyesuaikan keanggotaan komite Pemantau the membership of the Risk Monitoring Committee in
Risiko sesuai regulasi. accordance with regulations.
11. Rapat-rapat Komite Audit, Komite Pemantau Risiko, 11. Meetings of the Audit Committee, Risk Monitoring
Komite Tata Kelola Perusahaan dan Komite Nominasi Committee, Corporate Governance Committee, and
dan Remunerasi Bank Muamalat telah diselenggarakan Nomination and Remuneration Committee of Bank
sesuai dengan ketentuan dan telah menetapkan Muamalat have been held aligned with the provisions
beberapa rekomendasi yang menjadi perhatian dan and have set several recommendations that are the
fokus perbaikan Bank Muamalat Indonesia. focus of attention and improvement of Bank Muamalat
Indonesia.
Rekomendasi Hasil Penilaian Recommendation on Assessment Results

Proses atas 2 (dua) anggota komisaris non independen yang The process for 2 (two) non-independent commissioners
belum efektif menjabat sebagai anggota Dewan Komisaris who have not effectively served as members of the Board of
perlu terus dilakukan. Commissioners needs to be carried out continuously.
PENILAIAN DIREKSI ASSESSMENT OF THE BOARD OF

DIRECTORS
Prosedur Penilaian Assessment Procedure

Bank mengatur prosedur penilaian kinerja Direksi dilakukan The Bank regulates the procedure for assessing the
secara self-assessment melalui pengisian kertas kerja yang performance of the Board of Directors to be carried out by
berisi kriteria/indikator pelaksanaan tugas dan tanggung self-assessment by filling out working papers containing
jawab Direksi sesuai dengan ketentuan yang berlaku, criteria/indicators of the implementation of duties and
dilakukan setiap semester untuk dilaporkan kepada Otoritas responsibilities of the Board of Directors in accordance with
Jasa Keuangan. applicable regulations, which is carried out every semester
to be reported to the Financial Services Authority.
Pada RUPS Tahunan, hasil dari penilaian tersebut At the Annual GMS, the assessment results are submitted to
disampaikan kepada Pemegang Saham untuk dilakukan the Shareholders for evaluation. On that occasion, the GMS
evaluasi. Di kesempatan tersebut, RUPS juga memberikan also granted full release and discharge (volledig acquit et de
pelunasan dan pembebasan tanggung jawab sepenuhnya charge) to the Board of Directors for management actions
(volledig acquit et de charge) kepada Direksi atas tindakan carried out in the Fiscal Year that ended at the end of the
pengelolaan yang dilakukan pada Tahun Buku yang berakhir year.
pada akhir tahun.

Kriteria Penilaian Assessment Criteria

Kinerja Direksi secara umum ditentukan berdasarkan The performance of the Board of Directors is generally
tugas kewajiban yang tercantum dalam peraturan determined based on the duties and obligations listed in the
perundang-undangan yang berlaku dan Anggaran Dasar applicable laws and regulations and the Company’s Articles
Perusahaan maupun amanat Pemegang Saham. Kriteria of Association as well as the mandate of the Shareholders.
evaluasi disampaikan secara terbuka kepada Direksi sejak The evaluation criteria are submitted openly to the Board of
pengangkatan pertamanya. Directors since their first appointment.
Bank membagi kriteria self-assessment Direksi terbagi The Bank divides the Board of Directors self-assessment
menjadi 3 (tiga) aspek: Governance Structure (15 indikator), criteria into 3 (three) aspects: Governance Structure
Governance Process (25 indikator) dan Governance Outcome (15 indicators), Governance Process (25 indicators), and
(14 indikator). Governance Outcome (14 indicators).
Aspek
Indikator Indicator
Aspect
Governance 1. Jumlah Anggota Direksi 1. Number of members of the Board of Directors
Structure 2. Jumlah Anggota yang berdomisili di Indonesia 2. Number of members of the Board of Directors domiciled
in Indonesia
3. Pengalaman/track record anggota Direksi 3. Experience/track record of members of the Board of
Directors
4. Rangkap Jabatan anggota Direksi 4. Concurrent Positions of members of the Board of
Directors
5. Kepemilikan saham pada perusahaan lain 5. Share ownership in other companies
6. Tidak adanya hubungan keluarga sesama anggota Direksi 6. No family relationship among members of the Board of
dan/atau dengan Dewan Komisaris Directors and/or with the Board of Commissioners
7. Ketersediaan pedoman dan tata tertib kerja 7. Availability of work guidelines and procedures
8. Penggunaan penasehat perorangan dan/atau jasa 8. Use of individual advisors and/or professional services by
profesional oleh Direksi the Board of Directors
9. Integritas, kompetensi, dan reputasi keuangan 9. Integrity, competency, and financial reputation
10. Presiden Direktur atau Direktur Utama, berasal dari 10. President Director comes from an independent party
pihak yang independen
11. Pemenuhan kelulusan fit and proper test OJK 11. Fulfillment of passing the OJK fit and proper test
12. Kompetensi Direksi yang memadai dan relevan dengan 12. Adequate and relevant competence of the Board of
jabatannya Directors to their position
13. Kemauan dan kemampuan untuk melakukan 13. Willingness and ability to carry out continuous learning in
pembelajaran secara berkelanjutan dalam rangka order to increase knowledge
peningkatan pengetahuan
14. Budaya pembelajaran secara berkelanjutan dalam 14. Continuous learning culture in order to increase
rangka peningkatan pengetahuan knowledge
15. Komposisi Direksi tidak memenuhi ketentuan karena 15. Composition of the Board of Directors does not meet the
adanya intervensi pemilik requirements due to owner intervention

2021 Annual Report
Aspek
Indikator Indicator
Aspect
Governance 1. Proses Pengangkatan dan/atau penggantian anggota 1. Process of Appointment and/or replacement of members
Process Direksi of the Board of Directors
2. Pengangkatan Anggota Komite Direksi berdasarkan 2. Appointment of members of the Board of Directors
keputusan rapat Dewan Komisaris Committee based on the decision of the Board of
Commissioners meeting
3. Tidak memberikan kuasa umum kepada pihak lain 3. Does not grant general power of attorney to other parties
4. Pelaksanaan kepengurusan Bank berdasarkan prinsip 4. Implementation of the Bank’s management based on
kehati-hatian dan prinsip syariah prudential principles and sharia principles
5. Pengelolaan Bank sesuai kewenangan dan tanggung 5. Management of the Bank in accordance with the
jawab Direksi sebagaimana diatur dalam Anggaran Dasar authority and responsibility of the Board of Directors as
dan UU stipulated in the Articles of Association and the Law
6. Independensi Direksi terhadap pemegang saham 6. Independence of the Board of Directors from
7. Pelaksanaan prinsip-prinsip Good Corporate Governance shareholders
dalam setiap kegiatan usaha Bank pada seluruh 7. Implementation of Good Corporate Governance
tingkatan atau jenjang organisasi principles in every business activity of the Bank at all
levels or ranks of the organization
8. Menindaklanjuti temuan audit dan rekomendasi dari 8. Following up on audit findings and recommendations
SKAI, auditor eksternal, dan hasil pengawasan OJK from the IAU, external auditors, and the results of OJK
supervision
9. Menyediakan data dan informasi yang akurat, relevan 9. Provide accurate, relevant and timely data and
dan tepat waktu kepada anggota Dewan Komisaris dan information to members of the Board of Commissioners
DPS and the SSB
10. Pengambilan keputusan rapat Direksi telah dilakukan 10. The decision making of the Board of Directors meeting
berdasarkan musyawarah mufakat has been made based on deliberation and consensus
11. Setiap keputusan rapat yang diambil Direksi dapat 11. Every meeting decision taken by the Board of Directors
diimplementasikan can be implemented
12. Menetapkan kebijakan dan keputusan strategis melalui 12. Establish strategic policies and decisions through the
mekanisme rapat Direksi mechanism of the Board of Directors meeting
13. Tidak memanfaatkan Bank untuk kepentingan pribadi, 13. Not using the Bank for personal, family, and/or other
keluarga, dan/atau pihak lain party interests
14. Tidak mengambil dan/atau menerima keuntungan 14. Not taking and/or receiving personal benefits from the
pribadi dari Bank Bank
15. Intervensi pemilik terhadap pelaksanaan tugas Direksi 15. Owner intervention on the implementation of the duties
of the Board of Directors
16. Kebijakan Manajemen Risiko dan strategi kerangka 16. Written and comprehensive Risk Management Policy and
Manajemen Risiko secara tertulis dan komprehensif Risk Management framework strategy
17. Ketersediaan prosedur dan alat untuk mengidentifikasi, 17. Availability of procedures and tools to identify, measure,
mengukur, memonitor, dan mengendalikan Risiko monitor, and control Risk
18. Evaluasi dan/atau pengkinian kebijakan strategi dan 18. Evaluation and/or update of Risk Management strategy
kerangka Manajemen Risiko and framework policies
19. Pelaksanaan kebijakan Manajemen Risiko dan eksposur 19. Implementation of Risk Management and Risk exposure
Risiko policies
20. Mekanisme persetujuan transaksi, termasuk yang 20. Transaction approval mechanisms, including those
melampaui limit dan kewenangan exceeding the limits and authority
21. Evaluasi dan keputusan atas transaksi yang memerlukan 21. Evaluation and decision on transactions that require the
persetujuan Direksi approval of the Board of Directors
22. Pengembangan budaya Manajemen Risiko pada seluruh 22. Development of a Risk Management culture at all levels
jenjang organisasi of the organization
23. Independensi fungsi manajemen risiko 23. Independence of the risk management function
24. Penyusunan Rencana Bisnis Bank yang terukur dengan 24. Preparation of a measurable Bank Business Plan by
memperhatikan prinsip kehati-hatian taking into account the prudence principle
25. Komunikasi atas Rencana Bisnis Bank kepada Pemegang 25. Communication of the Bank’s Business Plan to
Saham dan seluruh jenjang organisasi Shareholders and all levels of the organization
Governance 1. Pertanggungjawaban tugas Direksi kepada pemegang 1. Accountability of the duties of the Board of Directors to
Outcome saham/RUPS shareholders/GMS
2. Pemegang saham menerima pertanggungajawaban 2. Shareholders accept the accountability of the Board of
Direksi di RUPS Directors at the GMS
3. Pengungkapan kebijakan-kebijakan strategis bank di 3. Disclosure of the bank’s strategic policies in the field of
bidang kepegawaian personnel
4. Komunikasi kepada seluruh karyawan mengenai arah 4. Communication to all employees regarding the business
bisnis/visi misi Bank direction/ vision and mission of the Bank
5. Dokumentasi rapat Direksi 5. Documentation of Board of Directors meetings
6. Pengungkapan informasi penting Direksi pada laporan 6. Disclosure of important information by the Board of
pelaksanaan GCG Directors in the GCG implementation report
7. Peningkatan pengetahuan, keahlian, dan kemampuan 7. Improving the knowledge, expertise, and abilities of
anggota Direksi members of the Board of Directors
8. Peningkatan pengetahuan, keahlian, dan kemampuan 8. Improving the knowledge, skills, and abilities of all Bank
dari seluruh karyawan Bank employees
9. Peningkatan budaya pembelajaran secara berkelanjutan 9. Continuous improvement of the learning culture
10. Pengawasan secara aktif terhadap pelaksanaan kebijakan 10. Active supervision on the implementation of Risk
dan strategi Manajemen Risiko Management policies and strategies
11. Adanya gangguan/kerugian akibat intervensi pemilik 11. There is interference /losses due to the owner’s
terhadap tugas Direksi intervention on the duties of the Board of Directors
12. Penerapan Manajemen Risiko secara efektif 12. Effective implementation of Risk Management
13. Penyusunan Rencana Bisnis Bank 13. Preparation of the Bank’s Business Plan
14. Rencana Bisnis Bank telah menggambarkan 14. The Bank’s Business Plan has described the Bank’s
pertumbuhan Bank yang berkesinambungan sustainable growth

Pihak yang Melakukan Penilaian Parties Conducting the Assessment

Mengingat metode yang digunakan ialah self-assesssment, Given that the method used is self-assessment, the party
maka pihak yang melakukan penilaian terhadap kinerja that evaluates the performance of the Board of Directors is
Direksi adalah Direksi sendiri dan dibantu oleh fungsi terkait. the Board of Directors themselves and is assisted by related
functions.
Hasil Penilaian Rating Result

Berikut adalah hasil penilaian self-assessment yang telah The following are the results of the self-assessment that was
dilaksanakan pada semester I dan II tahun 2021 dari aspek carried out in the first and second semesters of 2021 from
Governance Structure, Governance Process, dan Governance the aspects of Governance Structure, Governance Process,
Outcome pada Direksi. and Governance Outcome on the Board of Directors.
1. Seluruh anggota Direksi telah lulus Penilaian Kemampuan 1. All members of the Board of Directors have passed the
dan Kepatutan (PKK) oleh Otoritas Jasa Keuangan. Fit and Proper Assessment (PKK) by the Financial Services
Authority.
2. Jumlah dan komposisi anggota Direksi Bank Muamalat 2. The number and membership composition of the Board
telah sesuai dengan ketentuan. of Directors of Bank Muamalat are in accordance with
the provisions.
3. Rangkap jabatan anggota Direksi Bank telah sesuai 3. Concurrent positions of members of the Bank’s Board of
dengan ketentuan. Directors are in accordance with the provisions.
4. Tidak terdapat hubungan keluarga sampai dengan 4. There is no family relationship up to the second degree,
derajat kedua baik sesama anggota Direksi serta anggota both fellow members of the Board of Directors and
Direksi dengan Dewan Komisaris. members of the Board of Directors and the Board of
Commissioners.
5. Anggota Direksi Bank Muamalat memiliki kompetensi 5. Members of the Board of Directors of Bank Muamalat
yang memadai dan relevan dengan jabatannya untuk have sufficient and relevant competence to their
menjalankan tugas dan tanggung jawabnya serta mampu positions and are able to implement their competencies
mengimplementasikan kompetensi yang dimilikinya in carrying out their duties and responsibilities.
dalam pelaksanaan tugas dan tanggung jawabnya.
6. Direksi telah memiliki pedoman (board manual) dalam 6. The Board of Directors has established a guideline (board
pelaksanaan tugas dan tanggung jawabnya sesuai manual) in carrying out its duties and responsibilities
fungsinya. according to its function.
7. Pengangkatan dan/atau penggantian anggota Direksi 7. The appointment and/or replacement of members of
Bank Muamalat telah sesuai dengan ketentuan dan the Board of Directors of Bank Muamalat has complied
telah memperhatikan rekomendasi Komite Nominasi with the provisions and has taken into account the
dan Remunerasi. recommendations of the Nomination and Remuneration
Committee.
8. Direksi Bank Muamalat telah menjalankan tugas dan 8. The Board of Directors of Bank Muamalat has carried
fungsinya tanpa intervensi dari pemegang saham out its duties and functions without intervention
dan bertanggung jawab penuh atas pelaksanaan from shareholders and is fully responsible for the
kepengurusan Bank berdasarkan prinsip kehati-hatian implementation of the Bank’s management based on
dan prinsip syariah. prudential principles and sharia principles.
9. Dalam rangka mendukung tugas dan tanggung 9. In order to support its duties and responsibilities, the
jawabnya, Direksi telah membentuk 4 (empat) komite Board of Directors has established 4 (four) Board-level
tingkat Direksi yaitu Risk Management Committee, IT committees, namely the Risk Management Committee,
Steering Committee, ALCO, dan Human Capital Committee. IT Steering Committee, ALCO, and the Human Capital
Committee.
10. Direksi telah menyelenggarakan rapat secara rutin paling 10. The Board of Directors has held regular meetings at least
kurang setiap minggu sekali yang membahas keputusan once a week to discuss strategic decisions.
yang bersifat strategis strategis.
11. Direksi telah menetapkan dan mengkinikan prosedur 11. The Board of Directors has established and updated
dan tools untuk mengidentifikasi, mengukur, memonitor, procedures and tools to identify, measure, monitor, and
dan mengendalikan Risiko. control Risk.
12. Direksi secara berkesinambungan telah melakukan 12. The Board of Directors has continuously made efforts to
upaya-upaya dalam memperbaiki kinerja Bank dengan improve the Bank’s performance by taking into account
memperhatikan aspek kehati-hatian dan tata kelola yang the aspects of prudence and good governance.
baik.

2021 Annual Report
13. Direksi telah mengungkapkan kebijakan-kebijakan Bank 13. The Board of Directors has disclosed Bank Muamalat’s
Muamalat yang bersifat strategis di bidang kepegawaian strategic policies in the field of personnel and
dan mengkomunikasikan kepada pegawai mengenai communicated to employees regarding the Bank’s
arah bisnis Bank dalam rangka pencapaian misi dan visi business direction in order to achieve the Bank’s mission
Bank. and vision.
14. Direksi telah melaksanakan prinsip-prinsip Good 14. The Board of Directors has implemented the principles
Corporate Governance dalam setiap kegiatan usaha Bank of Good Corporate Governance in every business activity
pada seluruh tingkatan atau jenjang organisasi. of the Bank at all ranks or levels of the organization.
15. Direksi telah mengembangkan budaya Manajemen 15. The Board of Directors has developed a Risk Management
Risiko pada seluruh jenjang organisasi, melalui antara culture at all levels of the organization, through, among
lain e-mail blast, podcast, video, pelatihan, kuis dan nilai others, e-mail blasts, podcasts, videos, training, quizzes
budaya perusahaan. and corporate culture values.
16. Direksi juga telah mengembangkan budaya kepatuhan 16. The Board of Directors has also developed a culture of
pada seluruh jenjang organisasi, melalui antara lain compliance at all levels of the organization, via among
e-mail blast dan podcast. others e-mail blasts and podcasts.

Nominasi dan Remunerasi Dewan

Pengawas Syariah, Dewan Komisaris, dan
Direksi
Nomination and Remuneration of the Sharia Supervisory Board, the Board of
Commissioners, and the Board of Directors
REMUNERASI REMUNERATION
Bank Muamalat memiliki tata kelola remunerasi yang Bank Muamalat has a established remuneration
mengacu pada peraturan Otoritas Jasa Keuangan No. management that refers to the Financial Services Authority
59/POJK.03/2017 tentang Penerapan Tata Kelola dalam regulation No. 59/POJK.03/2017 on Implementation of
Pemberian Remunerasi bagi Bank Umum Syariah dan Unit Good Corporate Governance in Providing Remuneration for
Usaha Syariah yang kemudian diturunkan ke dalam Surat Sharia Commercial Banks and Sharia Business Units which
Keputusan No. 50/R/DIR-KPTS/XI/2018 tentang Tata Kelola was later derived into Decree No. 50/R/DIR-KPTS/XI/2018
Pemberian Remunerasi PT Bank Muamalat Indonesia Tbk on Governance for Remuneration of PT Bank Muamalat
yang ditandatangani bersama oleh Komisaris Utama dan Indonesia Tbk, which was signed jointly by the President
Direktur Utama pada tanggal 12 November 2018. Commissioner and the President Director on November
12, 2018.
Kebijakan Remunerasi Remuneration Policy

Kebijakan remunerasi yang diimplementasikan oleh Bank The remuneration policy implemented by the Bank aims
bertujuan untuk mengatur proses dan pendekatan guna to regulate the process and approach to determine
menentukan remunerasi bagi seluruh Direksi, Dewan remuneration for the Board of Directors, Board of
Komisaris dan karyawan berdasarkan jenis pekerjaan, Commissioners and employees based on the type of work,
prestasi kerja individu, kontribusi kepada Bank, kewajaran individual work achievement, contributions to the Bank,
dengan dengan peer group dalam industri Bank, serta fairness with peer groups in the banking industry, as well
performance dan kemampuan Bank. Hal ini juga tidak as the Bank’s performance and capabilities. This is also
terlepas dari ketentuan dan perundang-undangan yang inseparable from the applicable laws and regulations.
berlaku.
Bank mengkaji ulang remunerasi secara berkala dengan The Bank regularly reviews the remuneration by taking
memperhatikan hasil analisis market dengan peer into account the results of market analysis with the peer
group industri Bank, kontribusi individual kepada Bank, group of the Bank’s industry, individual contributions to the
performance serta kemampuan Bank. Termasuk di dalamnya, Bank, as well as the Bank’s performance and capabilities.
menerapkan peraturan perundangan yang ada, seperti upah This includes implementing existing laws and regulations,
minimum provinsi atau upah minimum kota/kabupaten. such as the provincial minimum wage or the city/regency
minimum wage.
Cakupan Kebijakan dan Implementasinya Coverage of Policy and Its Implementation

Bank menentukan cakupan kebijakan pemberian remunerasi The Bank determines the scope of the remuneration
dengan mempertimbangkan terciptanya manajemen risiko policy by taking into account the creation of effective risk
yang efektif, stabilitas keuangan, kecukupan dan penguatan management, financial stability, adequacy and strengthening
permodalan, kebutuhan likuiditas dan potensi pendapatan of capital, liquidity needs, and income potential of the Bank,
Bank serta kesesuaian dengan prinsip syariah. Kebijakan as well as compliance with sharia principles. This policy
tersebut berlaku pada seluruh unit bisnis pada kantor applies to all business units at the head office, regional
pusat, kantor wilayah dan kantor cabang yang berlokasi di offices, and branch offices located overseas.
luar negeri.

2021 Annual Report
Dalam memberikan remunerasi, Bank Muamalat Indonesia In providing remuneration, Bank Muamalat Indonesia refers
mengacu pada prinsip syariah dengan memenuhi to sharia principles by fulfilling the following requirements:
persyaratan sebagai berikut:
• Pemberian remunerasi harus mempertimbangkan • Remuneration must consider fairness in market prices
kewajaran dalam harga pasar di industri sejenis dan in similar industry and in accordance with employee
sesuai dengan kompetensi dan kinerja karyawan. competencies and performance.
• Pemberian remunerasi pada awal karyawan bergabung • Remuneration at the beginning of joining employees
harus disepakati dan tercantum dalam sebuah kontrak must agreed and stated in a work contract adheres to
kerja yang menganut asas konsensus. the principle of consensus.
• Pemberian remunerasi harus didasari kesadaran • Remuneration must be based on that shared awareness
bersama bahwa bekerja merupakan bagian dari that work is part of pursuing the pleasure of Allah.
mengejar ridha Allah SWT.
• Pemberian remunerasi harus mempertimbangkan • Remuneration must consider the workload given to
beban kerja yang diberikan kepada karyawan atau al employees or al ghunmu bil ghurmi.
ghunmu bil ghurmi.
Remunerasi Dikaitkan dengan Risiko Remuneration in Relations to Risk

Dalam menentukan remunerasi kepada karyawannya, In determining remuneration for its employees, Bank
Bank Muamalat senantiasa mempertimbangkan potensi Muamalat always considers the potential risks that may
risiko yang akan timbul dengan tetap memperhatikan arise while taking into account the prudence principle. The
prinsip kehati-hatian. Bank telah menetapkan pihak-pihak Bank has determined the parties to be Material Risk Takers
yang menjadi Material Risk Takers (MRT) berdasarkan (MRT) based on certain considerations in accordance with
pertimbangan tertentu sesuai dengan potensi risiko yang the potential risks that arise from certain positions.
timbul atas suatu jabatan yang dimiliki.
Dalam hal terjadi risiko akibat keputusan yang diambil, In the event of a risk due to a decision taken, the Company
maka perusahaan berhak untuk menunda pembayaran then has the right to delay payment or not pay variable
atau tidak membayarkan remunerasi yang bersifat variabel remuneration that is not yet paid to the party that has been
yang belum dibayarkan kepada pihak yang telah ditetapkan designated as MRT.
sebagai MRT.
Pengukuran Kinerja Terkait Remunerasi Performance Measurement in Relations to

Remuneration
Dalam menetapkan pemberian remunerasi, Bank memiliki In determining remuneration, the Bank has a mechanism
mekanisme yang disebut dengan siklus Performance called the Performance Management System cycle. The
Management System. Mekanisme tersebut berisi penentuan mechanism contains the method determination to measure
metode pengukuran kinerja individu dan jenis risiko yaitu individual performance and types of risk, namely according
sesuai skala dan kompleksitas usaha Bank. Penilaian kinerja to the scale and complexity of the Bank’s business. The
individu ditentukan melalui target atau Most Important individual performance assessment is determined through
Goals (MIG) yang telah ditentukan pada awal tahun serta targets or Most Important Goals (MIG) that have been
peninjauan pencapaian pada akhir tahun. determined at the beginning of the year as well as review of
achievements at the end of the year.
Hasil dari penilaian tersebut akan dijadikan dasar dalam The results of the assessment will be used in the
peninjauan remunerasi yang dilakukan secara berkala setiap remuneration review, which is conducted periodically every
tahun dengan memperhatikan kinerja individu karyawan, year, taking into account individual employee performance,
posisi upah terhadap struktur upah (salary) serta kinerja dan wage position towards the wage structure, as well as
kemampuan Bank. performance and ability of the Bank.

Penyesuaian Remunerasi Dikaitkan dengan Adjustment of Remuneration in Relations to

Kinerja dan Risiko Performance and Risk
Bank Muamalat mengacu pada prinsip kehati-hatian Bank Muamalat refers to the prudence principle in providing
dalam memberikan remunerasi, baik untuk remunerasi remuneration, both fixed and variable remuneration.
yang bersifat tetap maupun yang bersifat variabel. Untuk For variable remuneration for members of the Board
remunerasi yang bersifat variabel bagi anggota Direksi, of Directors, Board of Commissioners, members of the
Dewan Komisaris, anggota Dewan Pengawas Syariah Sharia Supervisory Board must obtain the approval of the
harus mendapatkan persetujuan Komite Nominasi dan Nomination and Remuneration Committee.
Remunerasi.
Bagi karyawan, penetapan remunerasi yang bersifat variabel For employees, the determination of variable remuneration
cukup dengan persetujuan Direksi. Bagi karyawan pada unit with the approval of the Board of Directors is sufficient. For
kerja pengawasan dilakukan sesuai dengan kinerja individu employees in work units, supervision is carried out according
dengan tetap memperhatikan objektivitas dan independensi. to individual performance while still paying attention to
objectivity and independence.
Salah satu penerapan manajemen risiko remunerasi adalah One application of remuneration risk management is
ketentuan pemberian remunerasi yang bersifat variabel provisions on variable remuneration for Material Risk Taker
kepada MRT: (MRT):
• Pembayaran bertahap dalam jangka waktu minimal 3 • Payment in stages within a minimum period of 3 (three)
(tiga) tahun sejak pembayaran pertama. years since the first payment.
• Penangguhan pembayaran dapat ditentukan lebih • The deferment of payment can be determined to be
panjang dari 3 (tiga) tahun sesuai dengan potensi dan longer than 3 (three) years according to the risk potential
jangka waktu risiko atau time horizon of risk. and period or time horizon of risk.
• Bank berhak menunda pembayaran atau tidak • The Bank has the right to defer payment or not pay
membayarankan remunerasi yang bersifat variabel yang variable remuneration that has not been paid if it has
belum dibayarkan apabila terbukti melakukan tindakan been proven to have taken an adverse action on the
yang merugikan Bank berdasarkan laporan Komite basis of the Bank’s Risk Monitoring Committee report.
Pemantau Risiko.
• Bank menetapkan jenis tindakan yang merugikan • The Bank determines the types of actions that are
Bank seperti fraud, indikasi konflik kepentingan dalam detrimental to the Bank such as fraud, indication of
pengambilan keputusan bisnis dan berdampak kepada conflicts of interest in taking business decisions and
Non-Performing Financing Bank secara keseluruhan. impact on Non-Performing Bank Financing as a whole.
• Bank dapat menunda pembayaran yang ditangguhkan • The Bank can delay deferred payments to the MRT under
kepada MRT pada kondisi tertentu. certain conditions.
Konsultan Terkait Remunerasi Consultant in Relation to Remuneration

Bank Muamalat menggunakan jasa konsultan Willis Tower Bank Muamalat uses the consulting services of Willis Tower
Watson untuk mendapatkan data market peer group, yang Watson to obtain market peer group data, which is obtained
didapat melalui survei yang diikuti oleh sebagian besar through surveys participated by most of the banking industry
industri bank di Indonesia yang menjadi market peer group. in Indonesia as the market peer group. The consultant will
Konsultan akan memberikan data statistik dari market yang provide statistical data from the participating market, which
ikut serta yang akan digunakan sebagai referensi peninjauan will be used as a reference for reviewing fixed remuneration
remunerasi bersifat tetap dan pemberian remunerasi and the provision of variable remuneration.
bersifat variabel.

2021 Annual Report
Paket Remunerasi dan Fasilitas yang Remuneration Packages and Facility

Diterima oleh Direksi, Dewan Komisaris, dan Received by the Board of Directors, Board
Dewan Pengawas Syariah of Commissioners, and Sharia Supervisory
Board
Tabel Paket Remunerasi dan Fasilitas yang Diterima Remuneration Packages and Facility Received by the
oleh Direksi, Dewan Komisaris, dan Dewan Pengawas Board of Directors, Board of Commissioners, and Sharia
Syariah Supervisory Board
Jumlah yang Diterima dalam Satu Tahun
Amount Received in One Year
Keterangan Direksi Dewan Komisaris DPS
Description Board of Directors Board of Commissioners SSB
Orang Jutaan (Rp) Orang Jutaan (Rp) Orang Jutaan (Rp)
People Million (Rp) People Million (Rp) People Million (Rp)
Gaji, bonus, tunjangan rutin, tantiem, dan fasilitas
lain dalam bentuk non natura
6 25.255,31 4 7.202,17 2 747,98
Salaries, bonuses, routine benefits, tantiem, and
other facilities in non-natura form
Fasilitas lain dalam bentuk natura
(perumahan, asuransi kesehatan, dan
sebagainya) yang:
a. dapat dimiliki; dan/atau
b. tidak dapat dimiliki.
Other facilities in kind (housing, health insurance,
etc.) which:
a. can be owned; and/or
b. can’t be owned.
Total 6 25.255,31 4 7.202,17 2 747,98
Tabel Paket Remunerasi yang Dikelompokkan dalam Remuneration Packages based on the Level of
Tingkat Penghasilan yang Diterima oleh Direksi, Dewan Income Received by the Board of Directors, Board of
Komisaris, dan Dewan Pengawas Syariah dalam 1 (Satu) Commissioners, and Sharia Supervisory Board in 1 (One)
Tahun Year
Jumlah Anggota Dewan
Jenis Remunerasi per Orang dalam 1 (satu) Jumlah Anggota Direksi Jumlah Anggota DPS
Komisaris
Tahun Number of Members of the Number of Members of the
Number of Members of the
Type of Remuneration per Person in 1 (one) Year Board of Directors Sharia Supervisory Board
> Rp2 miliar 6 1
> Rp2 billion
Rp1 miliar-Rp2 miliar 3
Rp1 billion-Rp2 billion
Rp500 juta-Rp1 miliar
Rp500 million-Rp1 billion
≤ Rp500 juta 2
≤ Rp500 million
Jabatan dan Jumlah Pihak yang Dijadikan Position and Number of Parties Appointed as
Material Risk Taker Material Risk Taker
Dalam menetapkan posisi/jabatan yang termasuk ke dalam In determining positions that is included in the MRT category,
kategori MRT, BMI mengacu kepada kriteria Peraturan OJK BMI refers to the FSA Regulation No. 59/POJK.03.2017
No. 59/POJK.03.2017. Adapun yang termasuk dalam MRT criteria, including:
adalah:
• Dewan Komisaris • Board of Commissioners
• Direksi • Board of Directors
• Pejabat setingkat Chief • Chief-level officials
• Karyawan yang mendapatkan remunerasi yang bersifat • Employees receiving variable remuneration with an
variabel dengan jumlah sama dengan atau lebih besar amount equal to or greater than Rp650 million.
dari Rp650 juta.

Share Option Share Option

Pada tahun 2021, BMI tidak menerbitkan program share In 2021, BMI did not issue a share option program for the
option untuk Direksi, Dewan Komisaris, dan karyawan. Board of Directors, Board of Commissioners, and employees.
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratio
Rasio gaji tertinggi dan terendah sesuai grade maksimum The following is the ratio of the highest and lowest salaries
masing-masing karyawan di Bank Muamalat Indonesia according to the grade of each employee at Bank Muamalat
adalah sebagai berikut: Indonesia:
Rasio Gaji Tertinggi : Terendah 26,0 Highest and Lowest Employee Salary Ratio
Rasio Gaji Direksi Tertinggi : Terendah 1,7 Highest and Lowest Board of Directors Salary Rasio
Rasio Gaji Komisaris Tertinggi : Terendah 1,1 Highest and Lowest Board of Commissioners Salary Rasio
Rasio Gaji Direksi Tertinggi : Karyawan Tertinggi 2,3 Highest Salary Ratio of Directors and Highest Employees
Jumlah Remunerasi Variabel yang Total Deferred Variable Remuneration

Ditangguhkan
Bank Muamalat tidak memberikan remunerasi yang bersifat Bank Muamalat Indonesia did not provide variable
variabel yang diberikan dan ditangguhkan sepanjang tahun remuneration that was granted and deferred during 2021.
2021.
Keterangan
Remunerasi yang Bersifat Tetap Fixed Remuneration
Description
Tunai 124.640.556.163 Cash
Saham/Instrumen yang Berbasis Saham yang Diterbitkan Nihil Stock/Instrument based on Shares Issued by the Bank
Bank Nil
Remunerasi yang Bersifat Variabel Tidak Variable Remuneration
Ditangguhkan
Not Deferred
Tunai Cash
Saham/Instrumen yang Berbasis Saham yang Diterbitkan Nihil Stock/Instrument based on Shares Issued by the Bank
Bank Nil
Informasi Kuantitatif Quantitative Information

Berikut adalah informasi kuantitatif untuk MRT, yang The following is quantitative information for MRT, which
mencakup: includes:
1. Total sisa Remunerasi yang masih ditangguhkan, baik 1. Total remaining deferred Remuneration, both exposed
yang terekspos penyesuaian implisit maupun eksplisit; to implicit and explicit adjustments;
2. Total pengurangan Remunerasi yang disebabkan karena 2. Total Remuneration reduction due to explicit adjustments
penyesuaian eksplisit selama periode laporan; dan during the reporting period; and
3. Total pengurangan Remunerasi yang disebabkan karena 3. Total Remuneration reduction due to implicit
penyesuaian implisit selama periode laporan. adjustments during the reporting period.
Total Pengurangan selama Periode Laporan

Sisa yang Total Deduction during the Reporting Period
Masih Disebabkan Disebabkan
Jenis Remunerasi yang Bersifat Variabel
Ditangguhkan Penyesuaian Penyesuaian
Type of Variable Remuneration
Deferred Eksplisit (A) Implisit (B) Total (A)+(B)
Pending Due to Explicit Due to Implicit
Adjustments (A) Adjustments (B)
Tunai (Rp juta) Nihil Nihil Nihil Nihil
Cash (Rp million) Nil Nil Nil Nil
Saham/Instrumen yang berbasis saham yang diterbitkan Bank Nihil Nihil Nihil Nihil
(dalam lembar saham dan nominal juta rupiah) yang merupakan Nil Nil Nil Nil
konversi dari lembar saham tersebut
Stock/Stock-based instruments issued by the Bank (in shares
and par million rupiah) which is a conversion of the stock)

2021 Annual Report
Rapat Dewan Pengawas Syariah, Dewan

Komisaris, dan Direksi
Meeting of the Sharia Supervisory Board, the Board of Commissioners, and the
Board of Directors

BOARD
Kebijakan Rapat Meeting Policy

Bank mengatur penyelenggaraan rapat Dewan Pengawas The Bank regulates that the implementation of the Sharia
Syariah paling sedikit 1 (satu) kali dalam 1 (satu) bulan, sesuai Supervisory Board meeting is at least 1 (one) time in 1 (one)
dengan Peraturan Bank Indonesia No. 11/33/PBI/2009 month, in accordance with Bank Indonesia Regulation No.
tentang Pelaksanaan Good Corporate Governance bagi Bank 11/33/PBI/2009 on Implementation of Good Corporate
Umum Syariah dan Unit Usaha Syariah dan Board Manual Governance for Sharia Commercial Banks and Sharia
Bank Muamalat Indonesia serta Pedoman Kerja Dewan Business Units and the Board Manual of Bank Muamalat
Pengawas Syariah. Indonesia as well as the Work Guidelines for the Sharia
Supervisory Board.
Pengambilan keputusan dalam rapat Dewan Pengawas Decision making in the Sharia Supervisory Board meetings
Syariah dilakukan berdasarkan musyawarah mufakat. is based on deliberation to reach a consensus. If there is a
Apabila dalam proses pengambilan keputusan terdapat difference of opinion in the decision-making process, the
perbedaan pendapat, maka perbedaan pendapat tersebut difference of opinion can be stated in the minutes of the
dapat dicantumkan dalam risalah rapat beserta alasannya. meeting along with the reasons. Meetings of the Sharia
Khusus rapat Dewan Pengawas Syariah untuk mengeluarkan Supervisory Board that are specifically implemented to
opini Syariah baik untuk produk maupun aktivitas harus issue Sharia opinions for both products and activities must
dihadiri dan diputuskan oleh seluruh anggota Dewan be attended and decided by all members of the Sharia
Pengawas Syariah. Supervisory Board.
Bank membagi jenis-jenis Rapat Dewan Pengawas Syariah The Bank divides the types of Sharia Supervisory Board
terdiri dari Rapat Internal Dewan Pengawas Syariah dan Meetings, consisting of Internal Sharia Supervisory Board
Rapat Dewan Pengawas Syariah bersama organ Bank Meetings and Sharia Supervisory Board Meetings with Bank
Muamalat Indonesia dan/atau bersama Sharia Compliance. Muamalat Indonesia organs and/or with Sharia Compliance.
Rapat Dewan Pengawas Syariah diadakan di tempat The meeting of the Sharia Supervisory Board is held at the
kedudukan Bank Muamalat Indonesia atau di tempat lain domicile of Bank Muamalat Indonesia or elsewhere within
dalam wilayah Republik Indonesia. Pemanggilan rapat the territory of the Republic of Indonesia. The summons for
Dewan Pengawas Syariah dilakukan oleh Ketua atau oleh the meeting of the Sharia Supervisory Board is carried out
salah seorang anggota Dewan Pengawas Syariah atau Sharia by the Chairman or by a member of the Sharia Supervisory
Compliance yang bertindak sebagai liaison officer. Board or Sharia Compliance acting as a liaison officer.
Hasil rapat Dewan Pengawas Syariah wajib dituangkan dalam The results of the Sharia Supervisory Board meetings
risalah rapat dan didokumentasikan dengan baik. Seluruh must be stated in the minutes of the meeting and properly
keputusan Dewan Pengawas Syariah yang dituangkan documented. All decisions of the Sharia Supervisory Board
dalam risalah rapat merupakan keputusan bersama seluruh as outlined in the minutes of the meeting are joint decisions
anggota Dewan Pengawas Syariah. Materi-materi yang of all members of the Sharia Supervisory Board. Materials
dibahas dalam rapat Dewan Pengawas Syariah sesuai Board discussed in the Sharia Supervisory Board meetings
Manual Bank Muamalat Indonesia antara lain: according to the Bank Muamalat Indonesia Board Manual
include:
1. Hal-hal yang berkaitan dengan pengembangan produk 1. Matters relating to the development of new products and
baru dan hasil review produk yang telah ada antara lain the results of existing product reviews, among others,
mengenai tujuan, karakteristik dan akad yang digunakan regarding the objectives, characteristics and contracts
sesuai dengan prinsip syariah. used in accordance with sharia principles.

2. Pengajuan aktivitas baru dan review aktivitas Bank yang 2. Submission of new activities and review of existing Bank
telah berjalan dari aspek syariah. activities from the sharia aspect.
3. Permasalahan yang timbul akibat aktivitas Bank yang 3. Issues arising from the Bank’s activities requiring an
membutuhkan opini dari Dewan Pengawas Syariah. opinion from the Sharia Supervisory Board.
4. Hasil temuan syariah dari auditor, baik auditor eksternal 4. Sharia findings from auditors, both external auditors and
maupun auditor internal. internal auditors.
Pelaksanaan Rapat Meeting Implementation

Sepanjang tahun buku 2021, Dewan Pengawas Syariah During the 2021 fiscal year, the Sharia Supervisory Board
menggelar rapat sebanyak 12 (dua belas) rapat dengan held 12 (twelve) meetings with the following details.
rincian sebagai berikut.
Agenda Rapat Dewan Pengawas Syariah Agenda of Sharia Supervisory Board Meetings
Tanggal Agenda Peserta Rapat
No.
Date Agenda Meeting Participants
1 Jum’at, 22 Januari 2021 • Mekanisme Top Up Dengan Akad MMQ Refinancing Untuk DPS :
Friday, 22 January 2021 Nasabah yang telah Memiliki Pembiayaan Eksisting • Drs. H. Sholahudin Al-Aiyub, M.Si
• Update atas Tindak Lanjut Script Akad by Phone Produk • Hj. Siti Haniatunnisa, LLB, MH
Multiguna
• Top Up Mechanism With MMQ Refinancing Contract For BOD:
Customers with Existing Financing • Andri Donny
• Update on the Follow-up to the Contract Script by Phone for
Multipurpose Products
2 Senin, 22 Februari 2021 Tindak Lanjut Rapat DPS atas Mekanisme Top Up Dengan Akad DPS :
Monday, 22 February MMQ Refinancing Untuk Nasabah yang telah Memiliki Pembiayaan • Drs. H. Sholahudin Al-Aiyub, M.Si
2021 Eksisting • Hj. Siti Haniatunnisa, LLB, MH
Follow-up to the SSB Meeting on Top Up Mechanism with MMQ
Refinancing Agreement for Customers with Existing Financing BOD:
• Andri Donny
3 Senin, 29 Maret 2021 • Pembiayaan Pembelian Saham Rumah Sakit DPS :
Monday, 29 March 2021 • Penyampaian Sharia Dashboard dan Update Persiapan Uji Petik • Drs. H. Sholahudin Al-Aiyub, M.Si
Semester I Tahun 2021 • Hj. Siti Haniatunnisa, LLB, MH
• Financing for the Purchase of Shares of Hospital
• Submission of Sharia Dashboard and Update of Sampling Test
Preparation for Semester I of 2021
4 Senin, 19 April 2021 Permohonan Opini Syariah tentang Ta’limat DSN No. U-286 DPS :
Monday, 19 April 2021 tentang Penerapan Prinsip Syariah terkait Penerimaan dan • Drs. H. Sholahudin Al-Aiyub, M.Si
Penyaluran Dana Bank Syariah • Hj. Siti Haniatunnisa, LLB, MH
Application for Sharia Opinion Regarding Ta'limat DSN No. U-286
on Implementation of Sharia Principles in Relations to the Receipts BOD:
and Distribution of Sharia Bank Funds • Andri Donny
5 Kamis, 27 Mei 2021 • Pemberian Nisbah Tiering pada Tabungan dengan Akad DPS :
Thursday, 27 May 2021 Mudharabah • Drs. H. Sholahudin Al-Aiyub, M.Si
• Skema MMQ Refinancing dengan Objek MMQ yang Disewakan • Hj. Siti Haniatunnisa, LLB, MH
kepada Pihak Lain
• Pengajuan Izin Commodity Murabahah Financing iB Cabang Kuala BOD:
Lumpur • Andri Donny
• Laporan Sharia Dashboard Januari-April 2021
• Provision of Tiering Nisbah for Savings with Mudharabah

Contracts
• MMQ Refinancing Scheme with MMQ Objects Leased to Other
Parties
• Application for iB Commodity Murabahah Financing at Kuala
Lumpur Branch
• January-April 2021 Sharia Dashboard Report
6 Senin, 21 Juni 2021 Laporan Pelaksanaan Uji Petik DPS Semester I Tahun 2021 DPS :
Monday, 21 June 2021 Report on the SSB Sampling Test Implementation for Semester I • Drs. H. Sholahudin Al-Aiyub, M.Si
of 2021 • Hj. Siti Haniatunnisa, LLB, MH
BOD:
• Andri Donny
7 Senin, 26 Juli 2021 Pelunasan Dipercepat pada Akad IMBT Refinancing DPS :
Monday, 26 July 2021 Early Repayment on IMBT Refinancing Contracts • Drs. H. Sholahudin Al-Aiyub, M.Si
• Hj. Siti Haniatunnisa, LLB, MH
BOD:
• Andri Donny

2021 Annual Report

No.
8 Juma't, 20 Agustus 2021 Penyelesaian Pembiayaan Bermasalah Melalui Pengalihan DPS :
Friday, 20 August 2021 Nasabah • Drs. H. Sholahudin Al-Aiyub, M.Si
Settlement of Non-Performing Financing Customer Transfer • Hj. Siti Haniatunnisa, LLB, MH
BOD:
• Andri Donny
9. Senin, 27 September Usulan Format Pemeriksaan Uji Petik DPS pada Semester II-2021 DPS :
2021 Proposal for the SSB Sample Test Format in Semester II-2021 • Drs. H. Sholahudin Al-Aiyub, M.Si
Monday, 27 September • Hj. Siti Haniatunnisa, LLB, MH
2021
BOD:
• Andri Donny
10. Senin, 18 Oktober 2021 • Pengajuan Trade Credit Insurance (Nasabah BMI Cabang KL) DPS :
Monday, 18 October • Submission for Trade Credit Insurance (BMI KL Branch • Drs. H. Sholahudin Al-Aiyub, M.Si
2021 Customer) • Hj. Siti Haniatunnisa, LLB, MH
• Pembahasan Prosedur Pelaksanaan Standar Akad Pembiayaan
• Discussion on Standard Implementation Procedures for BOD:
Financing Contracts • Andri Donny
11 Senin, 29 November • Penyampaian Laporan Konsultasi Syariah Periode Agustus- DPS :

2021 November 2021 • Drs. H. Sholahudin Al-Aiyub, M.Si
Monday, 29 November • Update Pelaksanaan Uji Petik DPS Semester II-2021 Melalui • Hj. Siti Haniatunnisa, LLB, MH
2021 Kuesioner • Dr. H. Agung Danarto, M.Ag.*)
• Hasil Workshop Simulasi Akad Pembiayaan (Murabahah)
BOD:
• Submission of Sharia Consultation Report for the August- • Andri Donny
November 2021 Period
• Update on the Implementation of the SSB Sample Test for
Semester II of 2021 through a Questionnaire
• Results of the Financing Contract Simulation Workshop
(Murabahah)
12 Senin, 27 Desember Penyampaian Sharia Rating Semester II-2021 DPS:
2021 Submission of Sharia Rating for Semester II-2021 • Drs. H. Sholahudin Al-Aiyub, M.Si
Monday, 27 December • Hj. Siti Haniatunnisa, LLB, MH
2021 • Dr. H. Agung Danarto, M.Ag.*)
BOD:
• Andri Donny
• Purnomo B. Soetadi
*)
Frekuensi Rapat dan Tingkat Kehadiran Meeting Frequency and Attendance Rate of
Dewan Pengawas Syariah the Sharia Supervisory Board
Jumlah Rapat Jumlah Kehadiran
Nama Jabatan Persentase Kehadiran (%)
No. Number of Number of
Name Position Attendance Percentage (%)
Meetings Attendance
1 Drs. H. Sholahudin Al Aiyub, M.Si Ketua 12 12 100%
Chairman
2 Hj. Siti Haniatunnisa,LLB., MH Anggota 12 12 100%
Member
3 Dr. H. Agung Danarto, M.Ag*) Anggota 2 2 100%
Member
*)
RAPAT DEWAN KOMISARIS MEETING OF THE BOARD OF

COMMISSIONERS

Bank mewajibkan Dewan Komisaris mengadakan rapat The Bank requires the Board of Commissioners to hold a
sedikitnya 1 (satu) kali dalam 2 (dua) bulan, mengacu pada meeting at least 1 (one) time in 2 (two) months, referring to
Peraturan OJK Nomor 33/POJK.05/2014, Anggaran Dasar FSA Regulation No. 33/POJK.05/2014, the Company’s Articles
Perseroan dan Board Manual Bank Muamalat Indonesia. of Association and the Board Manual of Bank Muamalat
Indonesia.

Sekretaris Dewan Komisaris memiliki tugas untuk mengatur The Secretary to the Board of Commissioners is in charge
rapat, mulai dari menyiapkan agenda dan materi hingga of arranging meetings, starting from preparing agendas and
pencatatan risalah rapat sebagai bukti yang sah untuk para materials to recording minutes of meetings as valid evidence
anggota Dewan Komisaris apabila terjadi dissenting opinions for members of the Board of Commissioners in the event of
dan sebagai dokumentasi untuk pihak ketiga mengenai dissenting opinions and as documentation for third parties
keputusan yang diambil dalam rapat. regarding decisions made at the meeting.

Hingga 31 Desember 2021, Dewan Komisaris menggelar Up to December 31, 2021, the Board of Commissioners held
rapat sebanyak 14 (empat belas) kali rapat dengan rincian 14 (fourteen) meetings with the following details.
sebagai berikut.

No.
1 Selasa, 23 February 2021 1. Financial Highlights as of January 2021 • Ilham A Habibie
Tuesday, February 23, 2021 2. Corporate Action Update • Iggi H Achsien
3. Other Updates • Edy Setiadi
2 Selasa, 9 Maret 2021 1. Corporate Action Update • Ilham A Habibie

Tuesday, March 19, 2021 2. Other Update • Iggi H Achsien
• Edy Setiadi
• Abdulsalam Al Saleh*)
• Mohamed Hedi Mejai*)
3 Selasa, 23 Maret 2021 1. Financial Highlights • Ilham A Habibie
Tuesday, March 23, 2021 2. Corporate Action Update • Iggi H Achsien
3. Bad Bank Update • Edy Setiadi
4 Kamis, 27 Mei 2021 1. Financial Highlights • Ilham A Habibie
Thursday, May 27, 2021 2. Corporate Action Update • Iggi H Achsien
3. New Approach Supervision by BOC • Edy Setiadi
4. Other Updates • Abdulsalam Al Saleh*)
5 Rabu, 7 Juli 2021 1. Corporate Action Update • Ilham A Habibie
Wednesday, July 7, 2021 2. Other Updates • Iggi H Achsien
• Edy Setiadi
6 Senin, 26 Juli 2021 1. Corporate Action & EGMS Update • Ilham A Habibie
Monday, July 26, 2021 2. Other Update • Iggi H Achsien
• Edy Setiadi
7 Rabu, 28 Juli 2021 1. EGMS Update • Iggi H Achsien
Wednesday, July 28, 2021 2. Other Update • Edy Setiadi
8 Kamis 5 Agustus, 2021 1. EGMS & Corporate Action Update • Ilham A Habibie
Thursday, August 5, 2021 2. Other Updates • Edy Setiadi
9 Rabu, 18 Agustus, 2021 1. Restructuring in BMI as requested by OJK • Ilham A Habibie
Wednesday, August 18, 2. Approval Rights Issuance & Timeline • Iggi H Achsien
2021 • Edy Setiadi
10 Friday, 27 Agustus, 2021 1. Financial Highlights July 2021 • Ilham A Habibie
Friday, August 27, 2021 2. EGMS & Corporate Action Update • Edy Setiadi
3. BMPP Muhammadiyah
11 Rabu, 22 September 2021 1. Financial Highlights August 2021 • Ilham A Habibie
Wednesday, September 2. Corporate Action Update • Edy Setiadi
22, 2021 3. Other Updates
12 Kamis, 21 Oktober 2021 1. Financial Highlights as of September 2021 • Ilham A Habibie
Thursday, October 21, 2021 2. Corporate Action Update • Edy Setiadi
3. Other updates
13 Rabu, 24 November 2021 Business Plan tahun 2022 • Ilham A Habibie
Wednesday, November 24, • Iggi H Achsien
2021 • Edy Setiadi
14 Kamis, 23 Desember 2021 1. Financial Highlights as of November 2021 • Ilham A Habibie
Thursday, December 23, 2. Corporate Action Update • Iggi H Achsien
2021 3. 2022 Taxonomy • Edy Setiadi
*)
Belum efektif menjabat sebagai Komisaris dan pemberhentian sebagai anggota Dewan Komisaris melalui RUPSLB tanggal 28 Februari 2022
Has not effectively served as a Commissioner and was dismissed as a member of the Board of Commissioners through the EGMS on 28 February 2022

2021 Annual Report
Dewan Komisaris the Board of Commissioners
Berikut adalah frekuensi rapat dan tingkat kehadiran Dewan The following is the meeting frequency and attendance rate
Komisaris. of the Board of Commissioners.
Rapat Internal Dewan Rapat Gabungan dengan

Komisaris Direksi Kehadiran di RUPS
Internal Meeting of the Board of Joint Meeting with the Board of Attendance at the GMS
Commissioners Directors
Nama Jabatan
Name Position Jumlah Jumlah Jumlah
Jumlah Jumlah Jumlah
Rapat Rapat Rapat
Kehadiran Kehadiran Kehadiran
Number % Number % Number %
Number of Number of Number of
of of of
Attendance Attendance Attendance
Meetings Meetings Meetings
Ilham A. Komisaris Utama/ 14 13 93% 5 4 80% 3 3 100%
Habibie Komisaris
Independen
President
Commissioner/
Independent
Commissioner
Iggi H. Achsien Komisaris 14 10 71% 5 4 80% 3 3 100%
Independen
Independent
Commissioner
Edy Setiadi Komisaris 14 14 100% 5 5 100% 3 3 100%
Independen
Independent
Commissioner
Mohamed Hedi Komisaris 14 3 21% 5 3 60% 3 0 0%
Mejai*) Commissioner
Abdulsalam Komisaris 14 2 14% 5 2 40% 3 0 0%
Mohammad Commissioner
Joher Al-Saleh*)
*)
RAPAT DIREKSI MEETING OF THE BOARD OF DIRECTORS

Bank Muamalat memiliki kebijakan rapat Direksi Bank Bank Muamalat has a policy of meeting the Board of
Muamalat Indonesia yang mengacu pada Peraturan Otoritas Directors of Bank Muamalat Indonesia, which refers to the
Jasa Keuangan No. 33/POJK.04/2014, Anggaran Dasar Bank Financial Services Authority Regulation No. 33/POJK.04/2014,
dan Board Manual Bank Muamalat Indonesia. Dari aturan the Bank’s Articles of Association and the Board Manual of
tersebut, Direksi diwajibkan mengadakan rapat secara Bank Muamalat Indonesia. These rules require the Board of
berkala sedikitnya 1 (satu) kali dalam setiap bulan. Directors to hold regular meetings at least 1 (one) time every
month.
Dalam rapat Direksi, Direksi memiliki kewenangan untuk In the Board of Directors’ meeting, the Board of Directors has
mengambil berbagai keputusan bisnis, mengevaluasi the authority to make various business decisions, evaluate
kinerja Bank dan menetapkan berbagai kebijakan dalam the performance of the Bank, and establish various policies
pengurusan Bank. Rapat Direksi dilakukan berdasarkan in the management of the Bank. Board of Directors’ meetings
prinsip-prinsip sebagai berikut: are held based on the following principles:
1. Penyelenggaraan rapat Direksi dapat diadakan setiap 1. Meetings of the Board of Directors may be held at any
waktu, atas permintaan tertulis dari: time, upon written request from:
a. Direksi; a. Board of Directors;
b. Anggota Direksi; b. Members of the Board of Directors;
c. Dewan Komisaris; c. Board of Commissioners;
d. Anggota Dewan Komisaris; dan/atau d. Members of the Board of Commissioners; and/or

e. Seorang atau lebih pemegang saham yang bersama- e. One or more shareholders who jointly represent
sama mewakili 1/10 (satu per sepuluh) atau lebih 1/10 (one tenth) or more of the total number of
dari jumlah seluruh saham dengan hak suara. shares with voting rights.
Yang diajukan kepada Perseroan dengan Surat Submitted to the Company by Registered Letter and/
Tercatat dan/atau surat yang disampaikan langsung or a letter submitted directly to the Company with
kepada Perseroan dengan mendapat tanda-terima receipt along with the reasons and a copy submitted
disertai alasannya dan tembusannya disampaikan to each member of the Board of Directors and each
kepada setiap anggota Direksi dan setiap anggota member of the Board of Commissioners with a
Dewan Komisaris dengan Surat Tercatat dan/atau Registered Letter and/or letter delivered directly to
surat yang disampaikan langsung kepada setiap each member of the Board of Directors and each
anggota Direksi dan setiap anggota Dewan Komisaris member of the Board of Commissioners by receiving
dengan mendapat tanda terima; a receipt;
2. Panggilan rapat Direksi dilakukan oleh Direktur Utama 2. Summons to the Board of Directors’ meeting is made by
dan dalam hal Direktur Utama tidak dapat hadir yang the President Director and in the event that the President
tidak perlu dibuktikan kepada pihak lain panggilan rapat Director is unable to attend, which does not need to be
Direksi dapat dilakukan oleh anggota Direksi lainnya. proven to other parties, the summons for the Board of
Directors’ meeting can be made by other members of the
Board of Directors.
3. Pengambilan keputusan dilakukan secara musyawarah 3. Decisions are made by deliberation to reach consensus
untuk mufakat dan/atau pengambilan suara, akan and/or voting, deemed valid if at least more than 2/3 (two
dianggap sah apabila paling sedikit lebih dari 2/3 (dua thirds) of the total members of the Board of Directors are
per tiga) bagian dari jumlah anggota Direksi hadir dan/ present and/or represented at the meeting of the Board
atau diwakili dalam rapat Direksi of Directors.
4. Sekretaris Perusahaan membuat risalah rapat dan 4. The Corporate Secretary prepares the minutes of the
ditandatangani oleh seluruh anggota Direksi yang hadir meeting and is signed by all members of the Board of
untuk disimpan dan tersedia sewaktu-waktu jika diminta Directors present for safekeeping and available at any
oleh Dewan Komisaris time if requested by the Board of Commissioners
5. Perbedaan pendapat (dissenting opinions) yang terjadi 5. Dissenting opinions that occurred in the meeting must
dalam rapat harus dicantumkan didalam risalah rapat be stated in the minutes of the meeting along with the
beserta alasannya reasons

Sepanjang tahun buku 2021, Direksi menggelar rapat During the 2021 fiscal year, the Board of Directors held 50
sebanyak 50 (lima puluh) kali rapat dengan rincian sebagai (fifty) meetings with the following details.
berikut.

No.
1 12 Januari 2021 1. CAR & Media Update • Achmad K. Permana
January 12, 2021 2. Liquidity Update • Hery Syafril
3. Financial Highlights as of Desember 2020 • Andri Donny
4. Bad Bank Update • Avianto Istihardjo
5. BOD Other Updates • Riksa Prakoso (CHO)
• Irvan Y. Noor (CWO)
January 19, 2021 2. Liquidity Update • Purnomo B. Soetadi
3. Retail Banking Update • Hery Syafril
4. Wholesale Banking Update • Awaldi
5. As-Salam Project Update • Andri Donny
6. Pembahasan Materi Rapat Dewan Komisaris-Direksi Januari 2021 • Avianto Istihardjo
Discussion on BOC-BOD Meeting Materials in January 2021 • Riksa Prakoso (CHO)
7. BOD Other Updates • Irvan Y. Noor (CWO)
January 26, 2021 2. Liquidity Update • Purnomo B. Soetadi
3. Litigation Update (include Bad Bank Update) • Hery Syafril
4. Update COVID-19 • Awaldi
5. BOD Other Updates • Andri Donny
• Avianto Istihardjo
• Riksa Prakoso (CHO)

2021 Annual Report

No.
4 2 Februari 2021 1. CAR & Media Update • Achmad K. Permana
February 2, 2021 2. Pelaporan Rasio Pembiayaan UMKM 2020 • Purnomo B. Soetadi
2020 MSME Financing Ratio Report • Hery Syafril
3. Project Amanah Update • Awaldi
4. Strategi Hukum terhadap Nasabah • Andri Donny
Legal Strategy for the Customers • Avianto Istihardjo
5. Tindaklanjut Rapat dengan Pemegang Saham • Riksa Prakoso (CHO)
Follow-up of the Meeting with Shareholders • Irvan Y. Noor (CWO)
6. BOD Other Updates
February 9, 2021 2. Financial Highlights as of January 2021 • Purnomo B. Soetadi
3. Wholesale Banking Update • Hery Syafril
4. Retail Banking Update • Awaldi
5. Risk Initiative to Support Business Growth • Andri Donny
6. Assesment Pemilihan GeNose vs Swab Antigen • Avianto Istihardjo
GeNose vs Antigen Swab Selection Assessment • Riksa Prakoso (CHO)
7. BOD Other Updates • Irvan Y. Noor (CWO
6 16 Februari2021 1. CAR & Media Update • Achmad K. Permana
February 16, 2021 2. Amanah Project Update • Purnomo B. Soetadi
3. Bad Bank Update • Hery Syafril
4. Corporate Action Update • Awaldi
• Irvan Y. Noor (CWO
February 23, 2021 2. Liquidity Update • Purnomo B. Soetadi
3. Debit Paywave Visa • Hery Syafril
8 2 Maret 2021 1. CAR & Media Update • Purnomo B. Soetadi
March 2, 2021 2. Amanah Project Update • Hery Syafril
3. WB Financing Customer Review • Awaldi
9 9 Maret 2021 1. CAR & Media Update • Achmad K. Permana
March 9, 2021 2. Corporate Action Update • Purnomo B. Soetadi
3. NPF • Hery Syafril
4. Financial Highlight as of February 2021 • Awaldi
5. Retail Banking Update • Andri Donny
March 16, 2021 2. RUPS Update • Purnomo B. Soetadi
4. Bad Bank Update • Andri Donny
5. Amanah Project Update • Avianto Istihardjo
March 23, 2021 2. Persiapan Rapat dengan Shareholders • Purnomo B. Soetadi
3. Corporate Action Update • Hery Syafril
4. Progress Report Audit 31 December 2020 • Andri Donny
5. Peer to Peer Financing Initiative • Irvan Y. Noor (CWO
March 30, 2021 2. Liquidity Update • Purnomo B. Soetadi
3. Amanah Project Update • Hery Syafril
4. Bad Bank NPF Update • Andri Donny
5. Corporate Action Update • Avianto Istihardjo
13 6 April 2021 1. CAR & Media Update • Purnomo B. Soetadi
April 6, 2021 2. Corporate Action Update • Hery Syafril
3. RUPS Update • Awaldi
GMS Update • Andri Donny
4. Operation Update • Avianto Istihardjo


No.
14 13 April 2021 1. CAR & Media Update • Achmad K. Permana
April 13, 2021 2. Corporate Action & RUPS Update • Purnomo B. Soetadi
3. Financial Highlights as of March 2021 • Hery Syafril
4. ANTASENA Progress Update • Awaldi
6. BOD Other Updates • Avianto Istihardjo
15 20 April 2021 1. CAR & Media Update • Achmad K. Permana
April 20, 2021 2. Wholesale Banking Update • Hery Syafril
3. DPLK Update • Awaldi
4. BMM Update • Andri Donny
5. Corporate Action & RUPS Update • Avianto Istihardjo
Corporate Action & GMS Update • Riksa Prakoso (CHO)
6. BOD Other Updates • Irvan Y. Noor (CWO))
16 27 April 2021 1. CAR & Media Update • Purnomo B. Soetadi
April 27, 2021 2. Liquidity Update • Hery Syafril
3. Proyeksi Laporan Keuangan • Awaldi
4. Corporate Action & RUPS Update • Andri Donny
Corporate Action & GMS Update • Avianto Istihardjo
5. Bad Bank Update • Riksa Prakoso (CHO)
6. Amanah Project Update • Irvan Y. Noor (CWO)
7. Milad ke-29 BMI
BMI’s 29th Anniversary
17 4 Mei 2021 1. CAR & Media Update • Achmad K. Permana
May 4, 2021 2. Corporate Action Update • Purnomo B. Soetadi
3. MDIN Smart Account Opening • Hery Syafril
4. Muamalat Institute Update • Awaldi
5. ALIF Update • Andri Donny
May 11, 2021 2. Financial Highlights as of April 2021 • Purnomo B. Soetadi
3. Wholesale Banking Update • Andri Donny
4. Retail Banking Update • Avianto Istihardjo
5. Amanah Project Update • Riksa Prakoso (CHO)
May 27, 2021 2. Liquidity Update • Purnomo B. Soetadi
4. Revisi RBB 2021 • Awaldi
2021 Bank Business Plan Revision • Andri Donny
5. Pembahasan Materi Rapat Dewan Komisaris • Avianto Istihardjo
Discussion on BOC Meeting Materials • Riksa Prakoso (CHO)
6. SWIFT Compliance 2021 • Irvan Y. Noor (CWO)
20 2 Juni 2021 1. CAR & Media Update • Achmad K. Permana
june 2, 2021 2. Amanah Project Update • Purnomo B. Soetadi
3. Business Turnaround • Hery Syafril
4. Pelaksanaan Audit 2021 • Awaldi
2021 Audit Implementation • Andri Donny
June 8, 2021 2. Financial Highlights as of May 2021 • Hery Syafril
June 15, 2021 2. Amanah Project Update • Hery Syafril
3. IT Security Update • Awaldi
4. Bad Bank Update • Andri Donny
5. Pembahasan Dana Haji • Avianto Istihardjo
Hajj Fund Discussion • Irvan Y. Noor (CWO))
23 22 Juni 2021 1. CAR & Media Update • Purnomo B. Soetadi
June 22, 2021 2. Corporate Action & RUPS Update • Awaldi
3. Update Progress Konversi MDIN • Andri Donny
MDIN Conversion Progress Update • Avianto Istihardjo
4. Update Muamalat Tower • Riksa Prakoso (CHO)
5. COVID-19 Update • Irvan Y. Noor (CWO)

2021 Annual Report

No.
June 29, 2021 2. Litigation Process • Purnomo B. Soetadi
3. Corporate Action & RUPS Update • Hery Syafril
4. Liquidity Update • Awaldi
5. Financing Document Update • Andri Donny
6. BOD Other Updates • Avianto
25 6 Juli 2021 1. CAR & Media Update • Achmad K. Permana
July 6, 2021 2. Financial Highlight Juni 2021 • Purnomo B. Soetadi
3. Corporate Action & RUPS Update • Hery Syafril
4. Pro-Hajj Update (ditunda) • Awaldi
Pro-Hajj Update (postponed) • Andri Donny
5. COVID-19 Update • Avianto Istihardjo
July 13, 2021 2. Wholesale Banking Update • Purnomo B. Soetadi
3. Retail Banking Update • Hery Syafril
4. Financing Document Update • Awaldi
5. Update COVID-19 • Andri Donny
July 21, 2021 2. Corporate Action & RUPS Update • Purnomo B. Soetadi
4. Pro-Hajj Update • Awaldi
5. Amanah Project Update • Andri Donny
6. PT Alpha Case • Avianto Istihardjo
28 27 Juli 2021 1. CAR & Media Update • Purnomo B. Soetadi
July 27, 2021 2. Liquidity Update • Hery Syafril
4. BMM Update • Andri Donny
5. Corporate Action & RUPS Update • Avianto Istihardjo
Corporate Action & GMS Update • Riksa Prakoso (CHO)
29 3 Agustus 2021 1. CAR & Media Update • Achmad K. Permana
August 3, 2021 2. Muamalat Institute Update • Purnomo B. Soetadi
3. ALIF Update • Hery Syafril
4. Pro-Hajj Update • Awaldi
5. Service Quality Update • Andri Donny
6. Publikasi Laporan Keuangan Juni 2021 • Avianto Istihardjo
Publication of June 2021 Financial Statements • Riksa Prakoso (CHO)
30 10 Agustus 2021 1. Laporan Keuangan Audited Juni 2021 • Achmad K. Permana
August 10, 2021 June 2021 Audited Financial Statements • Purnomo B. Soetadi
2. Financial Highlights as of July 2021 • Hery Syafril
3. CAR & Media Update • Awaldi
4. Corporate Action Update • Andri Donny
5. ALIF Update • Avianto Istihardjo
6. COVID-19 Update • Riksa Prakoso (CHO)
31 18 Agustus 2021 1. CAR & Media Update • Achmad K. Permana
August 18, 2021 2. Corporate Action Update • Purnomo B. Soetadi
3. Wholesale Banking Update • Hery Syafril
32 24 Agustus 2021 1. CAR & Media Update • Purnomo B. Soetadi
August 24, 2021 2. Bad Bank Update • Hery Syafril


No.
33 1 September 2021 1. CAR & Media Update • Achmad K. Permana
September 1, 2021 2. Liquidity Update • Hery Syafril
3. Pengajuan dari ALIF • Awaldi
4. Update Progress Penugasan Audit Khusus OJK • Andri Donny
Update on OJK Special Audit Assignment Progress • Avianto Istihardjo
5. Persiapan Hari Pelanggan Nasional 2021 • Riksa Prakoso (CHO)
Preparation for 2021 National Customer Day • Irvan Y. Noor (CWO)
September 7, 2021 2. Update Pemeriksaan OJK • Purnomo B. Soetadi
OJK Audit Update • Awaldi
3. Financial Highlights as of August 2021 • Andri Donny
September 14, 2021 2. Wholesale Banking Update • Purnomo B. Soetadi
3. Retail Banking Update (include Pro-Hajj Update) • Hery Syafril
September 21, 2021 2. Bad Bank Update • Purnomo B. Soetadi
3. Amanah Project Update • Hery Syafril
4. Usulan Perbaikan Proses EOM • Awaldi
EOM Process Improvement Proposal • Andri Donny
5. Pipeline Pembiayaan • Avianto Istihardjo
6. Turnaround Meeting Plan • Riksa Prakoso (CHO)
7. Corporate Action Update • Irvan Y. Noor (CWO)
September 28, 2021 2. Liquidity Update • Purnomo B. Soetadi
3. MDIN Update & Digital Initiatives • Hery Syafril
38 12 Oktober 2021 1. CAR & Media Update • Achmad K. Permana
October 12, 2021 2. Corporate Action Update • Purnomo B. Soetadi
3. RBB 2022 • Hery Syafril
2022 Bank Business Plan • Andri Donny
4. Financial Highlights as of September 2021 • Avianto Istihardjo
5. High Yield Financing Product • Riksa Prakoso (CHO)
October 19, 2021 2. Bad Bank Update • Purnomo B. Soetadi
3. Digital & Electronic Banking Update • Awaldi
4. Pipeline WB & RB 2021 • Andri Donny
5. Corporate Action Update • Riksa Prakoso (CHO)
October 26, 2021 2. Liquidity Update • Purnomo B. Soetadi
41 2 November 2021 1. CAR & Media Update • Achmad K. Permana
November 2, 2021 2. RBB 2022 • Purnomo B. Soetadi
2022 Bank Business Plan • Hery Syafril
5. BMM Update • Avianto Istihardjo
6. ALIF Update • Riksa Prakoso (CHO)

2021 Annual Report

No.
November 9, 2021 2. Financial Highlight as of October 2021 • Purnomo B. Soetadi
4. Wholesale Banking Update • Andri Donny
5. Branch & ATM Plan 2022 • Avianto Istihardjo
November 16, 2021 2. Retail Banking Update • Purnomo B. Soetadi
November 23, 2021 2. Update Implementasi AML & CFT Tahun 2021 • Purnomo B. Soetadi
Update on AML & CFT Implementation in 2021 • Awaldi
November 30, 2021 2. Liquidity Update • Purnomo B. Soetadi
4. MI Update • Awaldi
46 8 Desember 2021 1. CAR & Media Update • Achmad K. Permana
December 8, 2021 2. Financial Highlights as of November 2021 • Purnomo B. Soetadi
4. Persetujuan Business Plan ALIF • Awaldi
Approval for ALIF Business Plan • Andri Donny
December 13, 2021 2. Kick Off Audit 2021 • Purnomo B. Soetadi
3. Year End Projection 2021 • Hery Syafril
5. Wholesale Banking Update • Avianto Istihardjo
December 22, 2021 2. Business Strategy Proposal I • Purnomo B. Soetadi
4. Year End Projection 2021 • Andri Donny
5. Business Strategy Proposal II • Avianto Istihardjo
December 28, 2021 2. Liquidity Update • Purnomo B. Soetadi
50 31 Desember 2021 Persetujuan Penunjukkan Konsultan Business Strategy • Achmad K. Permana
December 31, 2021 Approval for the Appointment of Business Strategy Consultant • Purnomo B. Soetadi
• Hery Syafril
• Awaldi
• Andri Donny

Direksi the Board of Directors
Berikut adalah frekuensi rapat dan tingkat kehadiran Direksi. The following is the meeting frequency and attendance rate
of the Board of Directors.
Rapat Gabungan dengan

Rapat Internal Direksi
Dewan Komisaris Kehadiran di RUPS
Internal Meeting of the Board of
Joint Meeting with the Board of Attendance at the GMS
Directors
Commissioners
Nama Jabatan
Name Position Jumlah Jumlah Jumlah
Jumlah Jumlah Jumlah
Rapat Rapat Rapat
Kehadiran Kehadiran Kehadiran
Number % Number % Number %
Number of Number of Number of
of of of
Attendance Attendance Attendance
Meetings Meetings Meetings
Direksi | Board of Directors
Achmad Kusna Direktur Utama 50 44 88 5 5 100 3 1 33
Permana President Director
Direktur 50 45 90 5 4 80 3 3 100
Purnomo B.
Keuangan
Soetadi
Finance Director
Hery Syafril Direktur 50 41 82 5 5 100 3 3 100
Kepatuhan, Risiko
dan Hukum
Compliance, Risk,
and Legal Director
Awaldi Direktur Bisnis 50 45 90 5 5 100 3 3 100
Ritel
Retail Banking
Director
Andri Donny Direktur Operasi 50 49 98 5 5 100 3 3 100
Operation
Director
Direktur 50 46 92 5 5 100 3 3 100
Avianto Pembiayaan
Financing Director
Pejabat Eksekutif Senior | Senior Executive Officers
Chief Human 50 46 92 5 4 80
Riksa Prakoso
Capital Officer
Chief Wholesale 50 47 94 5 5 100
Irvan Y .Noor
Banking Officer
RAPAT GABUNGAN DEWAN KOMISARIS JOINT MEETING OF THE BOARD OF

DAN DIREKSI COMMISSIONERS AND BOARD OF
DIRECTORS

Bank memiliki kebijakan rapat gabungan Dewan Komisaris The Bank has established a policy on joint meetings of the
dan Direksi paling sedikit 1 (satu) kali dalam 4 (empat) bulan. Board of Commissioners and Board of Directors at least 1
Rapat gabungan tersebut mencerminkan penyelenggaraan (one) time in 4 (four) months. The joint meeting reflects the
koordinasi dan sinergi fungsi manajemen antara Dewan coordination and synergy of management functions between
Komisaris dan Direksi. the Board of Commissioners and Board of Directors.

Sepanjang tahun buku 2021, Dewan Komisaris dan Direksi During the 2021 fiscal year, the Board of Commissioners
menggelar rapat gabungan sebanyak 5 (lima) kali rapat and Board of Directors held 5 (five) joint meetings with the
dengan rincian sebagai berikut. following details.

2021 Annual Report
Tabel Agenda Rapat Gabungan Dewan Komisaris dan Agenda for Joint Meeting of the Board of Commissioners
Direksi and Board of Directors
No.
1 Selasa, 26 Januari 2021 1. Financial Highlights as of 31 December 2020 BOC:
Tuesday, 26 January 2021 2. Corporate Action Update Ilham A. Habibie
3. Report on BMI’s Handling on COVID-19 Iggi H. Achsien
4. Other Updates Edy Setiadi
BOD:
Achmad K. Permana
Purnomo B. Soetadi
Hery Syafril
Awaldi
Andri Donny
Avianto
Pejabat Eksekutif Senior:

Senior Executive Officers:
Riksa Prakoso
Irvan Yulian Noor
2 Kamis, 22 April 2021 1. Financial Highlights as of March 2021 BOC:
Thursday, 22 April 2021 2. Corporate Action Update Ilham A. Habibie
3. Other Updates Iggi H. Achsien
Edy Setiadi
AbdulSalam Al Saleh*)
BOD:
Achmad K. Permana
Purnomo B. Soetadi
Hery Syafril
Awaldi
Andri Donny
Avianto

Riksa Prakoso
Irvan Yulian Noor
3 Senin, 14 Juni 2021 1. Proposal of the Revision of the Bank’s Business Plan 2021 BOC:
Monday, 14 June 2021 2. Financial Highlights as of May 2021 Iggi H. Achsien
3. Corporate Action Update Edy Setiadi
4. Other Updates AbdulSalam Al Saleh*)
BOD:
Achmad K. Permana
Hery Syafril
Awaldi
Andri Donny
Avianto

Irvan Yulian Noor
4 Jumat, 23 Juli, 2021 1. Financial Highlights as of May 2021 BOC:
Friday, 23 July 2021 2. Corporate Action Update Ilham A. Habibie
3. Other Updates Iggi H. Achsien
Edy Setiadi
BOD:
Achmad K. Permana
Purnomo B. Soetadi
Hery Syafril
Awaldi
Andri Donny
Avianto

Riksa Prakoso
Irvan Yulian Noor


No.
5 Selasa, 30 November, 2021 1. AML & CFT Update BOC:
Tuesday, 30 November 2. Financial Highlights as of October 2021 • Ilham A. Habibie
2021 3. Corporate Action Update • Edy Setiadi
4. Other Update • Mohamed Hedi Mejai*)
BOD:
• Achmad K. Permana
• Hery Syafril
• Awaldi
• Andri Donny
• Avianto

• Riksa Prakoso
• Irvan Yulian Noor
*)

BERSAMA DEWAN KOMISARIS DAN BOARD WITH THE BOARD OF
DIREKSI COMMISSIONERS AND BOARD OF
DIRECTORS

Mengacu pada Board Manual, Rapat Dewan Pengawas Pursuant to the Board Manual, the Meeting of the Sharia
Syariah bersama dengan Direksi dan rapat Rapat Dewan Supervisory Board with the Board of Directors and the
Pengawas Syariah bersama dengan Dewan Komisaris Meeting of the Sharia Supervisory Board with the Board of
diselenggarakan sesuai dengan kebutuhan. Pelaksanaan Commissioners are held as needed. The implementation of
rapat Dewan Pengawas Syariah bersama dengan Direksi the meeting of the Sharia Supervisory Board with the Board
dan rapat Dewan Pengawas Syariah bersama dengan Dewan of Directors and meeting of the Sharia Supervisory Board
Komisaris dapat dilakukan secara gabungan. with the Board of Commissioners can be held jointly.

Sepanjang tahun buku 2021, rapat Dewan Pengawas Syariah During the 2021 fiscal year, the meeting of the Sharia
bersama Dewan Komisaris dan Direksi digelar sebanyak 1 Supervisory Board with the Board of Commissioners
(satu) rapat dengan rincian sebagai berikut. and Board of Directors was held for 1 (one) time with the
following details.
Tabel Agenda Rapat Dewan Pengawas Syariah bersama Agenda for the Meeting of the Sharia Supervisory
Dewan Komisaris dan Direksi Board with the Board of Commissioners and Board of
Directors
No.
1 29 April 2021 Corporate Update DPS | SSB:
29 April 2021 • Sholahudin Al-Aiyub
• Siti Haniatunnisa
BOC:
• Ilham A Habibie
• Iggi H Achsien
• Edy Setiadi
BOD:
• Hery Syafril
• Awaldi
• Andri Donny
• Avianto
• Riksa Prakoso

2021 Annual Report
Frekuensi Rapat dan Tingkat Kehadiran Meeting Frequency and Attendance Rate
Dewan Pengawas Syariah, Dewan Komisaris, for the Meeting of the Sharia Supervisory
dan Direksi Board, Board of Commissioners, and Board
of Directors
Berikut adalah frekuensi rapat dan tingkat kehadiran Dewan The following is the meeting frequency and attendance rate
Pengawas Syariah, Dewan Komisaris dan Direksi. of the Sharia Supervisory Board, the Board of Commissioners,
and Board of Directors.

Meetings Attendance
Dewan Pengawas Syariah | Sharia Supervisory Board
1 Drs. H. Sholahudin Al Aiyub, M.Si Ketua 1 1 100%
Chairman
2 Hj. Siti Haniatunnisa,LLB., MH Anggota 1 1 100%
Member
3 Dr. H. Agung Danarto, M.Ag*) Anggota 1 0 0%
Member
Dewan Komisaris | Board of Commissioners
4 Ilham A. Habibie Komisaris 1 1 100%
Utama/
Komisaris
Independen
President
Commissioner/
Independent
Commissioner
5 Iggi H. Achsien Komisaris 1 1 100%
Independen
Independent
Commissioner
6 Edy Setiadi Komisaris 1 1 100%
Independen
Independent
Commissioner
7 Mohamed Hedi Mejai**) Komisaris 1 0 0%
Commissioner
8 Abdulsalam Mohammad Joher Al-Saleh**) Komisaris 1 0 0%
Commissioner
Direksi | Board of Directors
9 Achmad Kusna Permana Direktur Utama 1 0 0%
President
Director
10 Hery Syafril Direktur 1 1 100%
Keuangan
Finance Director
11 Andri Donny Direktur 1 1 100%
Kepatuhan,
Risiko dan
Hukum
Compliance,
Risk, and Legal
Director
12 Purnomo B. Soetadi Direktur Bisnis 1 1 100%
Ritel
Retail Banking
Director
13 Awaldi Direktur Operasi 1 1 100%
Operation
Director
14 Avianto Direktur 1 1 100%
Pembiayaan
Financing
Director
Pejabat Eksekutif Senior | Senior Executive Officers
15 Irvan Yulian Noor Chief Wholesale 1 1 100%
Banking Officer
16 Riksa Prakoso Chief Human 1 1 100%
Capital Officer
*)
**)

Komite Audit
Audit Committee
Komite Audit dibentuk oleh Dewan Komisaris untuk The Audit Committee was established by the Board of
membantu pelaksanaan pengawasan dan evaluasi terhadap Commissioners to assist in evaluating the implementation of
pelaksanaan audit intern. Komite tersebut juga melakukan internal audits and monitoring of follow-up to audit results
pemantauan atas tindak lanjut hasil audit guna menilai to assess the adequacy of internal control, including the
kecukupan pengendalian intern, termasuk kecukupan adequacy of the Bank’s financial reporting process
proses pelaporan keuangan Bank.

Pembentukan Komite Audit Bank Muamalat Indonesia The establishment of Bank Muamalat Indonesia Audit
mengacu pada peraturan perundangan-undangan, yaitu: Committee refers to the laws and regulations, namely:
1. Peraturan Bank Indonesia No. 11/33/PBI/2009 tanggal 1. Regulation of Bank Indonesia No. 11/33/PBI/2009 dated
7 Desember 2009 tentang Pelaksanaan Good Corporate 7 December 2009 on Implementation of Good Corporate
Governance bagi Bank Umum Syariah dan Unit Usaha Governance for Sharia Commercial Banks and Sharia
Syariah. Business Units.
2. Surat Edaran Bank Indonesia No. 12/13/DPBS tanggal 2. Circular Letter of Bank Indonesia No. 12/13/DPBS dated
30 April 2010 perihal Pelaksanaan Good Corporate 30 April 2010 on Implementation of Good Corporate
3. Peraturan Otoritas Jasa Keuangan No. 55/ POJK.04/2015 3. Financial Services Authority Regulation No. 55/
tanggal 29 Desember 2015 tentang Pembentukan dan POJK.04/2015 dated 29 December 2015 on the
Pedoman Pelaksanaan Kerja Komite Audit. Establishment and Work Implementation Guidelines of
the Audit Committee.
tanggal 8 Januari 2019 tentang Penerapan Fungsi Audit POJK.03/2019 dated 8 January 2019 on Implementation
Intern pada Bank Umum. of the Internal Audit Function in Commercial Banks.
5. Anggaran Dasar Bank tentang tugas dan wewenang 5. The Bank’s Articles of Association on the duties and
Dewan Komisaris. responsibilities of the Board of Commissioners.
PEDOMAN KERJA/PIAGAM KOMITE AUDIT AUDIT COMMITTEE CHARTER

Komite Audit Bank Muamalat memiliki piagam yang di Bank Muamalat Audit Committee has established a charter
dalamnya mengatur struktur dan keanggotaan, persyaratan that regulates the structure and membership, membership
keanggotaan, tugas dan tanggung jawab, wewenang, rapat, requirements, duties and responsibilities, authority,
masa tugas, waktu kerja dan pelaporan. Piagam Komite meetings, term of office, working time and reporting. The
Audit terakhir dikinikan pada tahun 2021 dan akan terus Audit Committee Charter was last updated in 2021 and will
diperbarui sesuai dengan perkembangan regulasi yang continue to be updated in accordance with the development
berlaku serta kondisi terkini dari Bank. of applicable regulations and the latest conditions of the Bank.
KRITERIA ANGGOTA KOMITE AUDIT MEMBERSHIP CRITERIA OF THE AUDIT

COMMITTEE
Kriteria keanggotaan Komite Audit untuk anggota yang The membership criteria of the Audit Committee for
merupakan Komisaris Independen dan pihak independen members who are Independent Commissioners and
telah diatur oleh Bank, yang juga telah dituangkan ke dalam independent parties have been regulated by the Bank, which
Piagam Komite Audit. Kriteria tersebut antara lain: has also been stated in the Audit Committee Charter. These
criteria include:
1. Wajib mempunyai integritas, akhlak, moral dan reputasi 1. Must have integrity, character, morals, and good financial
keuangan yang baik. reputation.
2. Wajib mempunyai kemampuan, pengetahuan, 2. Must have the ability, knowledge, experience in
pengalaman sesuai dengan bidang pekerjaannya, serta accordance with the field of work, and be able to
mampu berkomunikasi dengan baik. communicate well.

2021 Annual Report
3. Wajib memahami laporan keuangan, bisnis perusahaan 3. Must understand financial reports, the company’s
khususnya yang terkait dengan layanan jasa atau business, especially those related to the Bank’s services
kegiatan usaha Bank, proses audit, manajemen risiko, or business activities, audit process, risk management,
dan peraturan perundang-undangan terkait lainnya. and other relevant laws and regulations.
4. Bersedia meningkatkan kompetensi secara terus 4. Willing to continuously improve competence through
menerus melalui pendidikan dan pelatihan education and training
5. Wajib mematuhi kode etik Komite Audit yang ditetapkan 5. Must comply with the Audit Committee’s code of conduct
oleh Bank. established by the Bank.
6. Wajib mempunyai paling kurang satu anggota yang 6. Must have at least one member with an educational
berlatar belakang pendidikan dan keahlian di bidang background and expertise in accounting and/or finance.
akuntansi dan keuangan.
7. Wajib mempunyai paling kurang satu anggota yang 7. Must have at least one member who has expertise in
memiliki keahlian di bidang perbankan syariah. sharia banking.
8. Bukan merupakan orang dalam Kantor Akuntan Publik, 8. Not a person in the Public Accounting Firm, Legal
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik Consultant Office, Public Appraisal Service Office or
atau pihak lain yang memberi jasa assurance, jasa other party providing assurance services, non-assurance
non-assurance, jasa penilai dan/atau jasa konsultasi services, appraisal services and/or other consulting
lain kepada emiten atau perusahaan publik yang services to the relevant Issuer or Public Company within
bersangkutan dalam waktu 6 (enam) bulan terakhir. the last 6 (six) months.
9. Bukan merupakan orang yang berkerja atau mempunyai 9. Not a person who works or has the authority and
memimpin, mengendalikan, atau mengawasi kegiatan activities of the Bank within the last 6 (six) months except
Bank dalam waktu 6 (enam) bulan terakhir kecuali for Independent Commissioner.
Komisaris Independen.
10. Tidak memiliki saham langsung maupun tidak langsung 10. Does not have direct or indirect shares in the Bank.
pada Bank.
11. Tidak memiliki hubungan afiliasi dengan anggota Dewan 11. Has no affiliation with members of the Board of
Komisaris, anggota Direksi, atau Pemegang Saham Commissioners, members of the Board of Directors, or
Utama Bank Muamalat Indonesia. Major Shareholders of Bank Muamalat Indonesia.
12. Tidak memiliki hubungan usaha, baik langsung maupun 12. Has no business relationships, directly or indirectly,
tidak langsung yang berkaitan dengan kegiatan usaha related to the business activities of Bank Muamalat

Berikut adalah tugas dan tanggung jawab Komite Audit The following are the duties and responsibilities of the Audit
sesuai dengan Piagam Komite Audit. Committee in accordance with the Audit Committee Charter.
1. Melakukan pemantauan dan evaluasi atas perencanaan 1. Monitoring and evaluating the planning and
dan pelaksanaan audit serta pemantauan atas tindak implementation of audit as well as monitoring the follow-
lanjut hasil audit dalam rangka menilai kecukupan up to the audit results in order to assess the adequacy of
pengendalian intern, termasuk kecukupan proses internal control, including the adequacy of the financial
pelaporan keuangan. reporting process.
2. Menelaah dan memberikan saran kepada Dewan 2. Reviewing and providing advice to the Board of
Komisaris terkait dengan adanya potensi benturan Commissioners regarding potential conflicts of interest.
kepentingan.
3. Melakukan penelaahan atas kepatuhan terhadap 3. Reviewing compliance with laws and regulations related
peraturan perundang-undangan yang berhubungan to the Bank’s activities.
dengan kegiatan Bank.
4. Menjaga kerahasiaan dokumen, data dan informasi 4. Maintain the confidentiality of documents, data, and
Bank. information of the Bank.
5. Dalam melakukan tugas sebagaimana angka 1 di atas, 5. In carrying out the duties as referred to in item 1, the
Komite Audit wajib melakukan pemantauan dan evaluasi Audit Committee is required to monitor and evaluate at
paling sedikit: least:
a. Pelaksanaan tugas satuan kerja audit intern; a. Implementation of the duties of the internal audit
unit;
b. Kesesuaian pelaksanaan audit oleh Akuntan Publik b. Conformity of the audit by a Public Accountant with
dengan standar audit; auditing standards;

c. Kesesuaian laporan keuangan dengan standar c. Conformity of financial statements with financial
akuntansi keuangan; dan accounting standards; and
d. Pelaksanaan tindak lanjut oleh Direksi atas hasil d. Implementation of follow-up by the Board of
temuan satuan kerja audit intern, akuntan publik, Directors on the findings of the internal audit work
dan hasil pengawasan Otoritas jas Keuangan, guna unit, public accountants, and supervision results of
memberikan rekomendasi kepada Dewan Komisaris. the Financial Services Authority, in order to provide
recommendations to the Board of Commissioners.
6. Dalam melakukan pemantauan dan evaluasi pelaksanaan 6. In monitoring and evaluating the implementation of
tugas Satuan Kerja Audit Intern (SKAI), Komite Audit the duties of the Internal Audit Unit (IAU), the Audit
bertanggung jawab antara lain: Committee is responsible for, among others:
a. Memantau dan mengkaji efektivitas pelaksanaan a. Monitor and review the effectiveness of the Bank’s
audit intern Bank; internal audit;
b. Mengevaluasi kinerja SKAI Bank; b. Evaluating the performance of the Bank’s IAU;
c. Memastikan SKAI berkomunikasi dengan Direksi, c. Ensuring the IAU communicates with the Board
Dewan Komisaris, Dewan Pengawas Syariah, auditor of Directors, Board of Commissioners, Sharia
ekstern, dan Otoritas Jasa Keuangan; Supervisory Board, external auditors, and the
Financial Services Authority;
d. Memastikan SKAI bekerja secara independen serta d. Ensuring that the IAU is independent and upholds
menjunjung tinggi integritas dalam pelaksanaan integrity in carrying out its duties;
tugas;
e. Memberikan rekomendasi Dewan Komisaris terkait e. Provide recommendations to the Board of
penyusunan rencana audit, ruang lingkup dan Commissioners regarding the preparation of the
anggaran SKAI; audit plan, scope and budget of the IAU;
f. Meninjau laporan audit dan memastikan Direksi f. Reviewing audit reports and ensuring that the Board
mengambil tindakan perbaikan yang diperlukan of Directors takes the necessary corrective actions in
secara cepat dan akurat; a swift and accurate manner;
g. Memberikan rekomendasi kepada Dewan Komisaris g. Provide recommendations to the Board of
terkait pemberian Remunerasi tahunan SKAI secara Commissioners regarding the provision of IAU’s
keseluruhan serta penghargaan kinerja; dan overall annual Remuneration and performance
awards; and
h. Memberikan rekomendasi kepada Dewan h. Provide recommendations to the Board of
Komisaris terkait persetujuan pengangkatan dan Commissioners regarding the approval for the
pemberhentian kepala SKAI, penetapan piagam appointment and dismissal of the head of the IAU,
audit intern dan penunjukan pengendali mutu the establishment of an internal audit charter and
independen dari pihak ekstern untuk melakukan kaji the appointment of an independent quality controller
ulang terhadap kinerja SKAI. from an external party to review the performance of
the IAU.
7. Dalam pemantauan dan evaluasi pelaksanaan audit oleh 7. In monitoring and evaluating the audit by the Public
Kantor Akuntan Publik, Komite Audit bertanggung jawab Accounting Firm, the Audit Committee is responsible for,
antara lain: among others:
a. Memberikan rekomendasi kepada Dewan Komisaris a. Provide recommendations to the Board of
mengenai penunjukan Akuntan Publik yang Commissioners regarding the appointment of a
didasarkan pada independensi, ruang lingkup Public Accountant based on independence, the
penugasan, dan imbalan jasa; scope of the assignment, and fees;
b. Memberikan pendapat independen dalam hal b. Provide an independent opinion in the event of
terjadi perbedaan pendapat antara manajemen dan disagreement between management and the
Akuntan atas jasa yang diberikannya. Accountant for the services provided.
c. Melakukan evaluasi terhadap pelaksanaan c. Evaluating the implementation of audit services on
pemberian jasa audit atas informasi keuangan annual historical financial information by the Public
historis tahunan oleh Akuntan Publik dan/atau Accountant and/or Public Accounting Firms at least
Kantor Akuntan Publik paling kurang melalui: through:
1. Kesesuaian pelaksanaan audit oleh Akuntan 1. Conformity of audit implementation by Public
Publik dan/atau Kantor Akuntan Publik dengan Accountant and/or Public Accounting Firm with
standar audit yang berlaku; applicable auditing standards;
2. Kecukupan waktu pekerjaan lapangan; 2. Sufficient time for field work;

2021 Annual Report
3. Pengkajian cakupan jasa yang diberikan dan 3. Assessment on the scope of services provided
kecukupan uji petik; dan and the adequacy of sampling test; and
4. Rekomendasi perbaikan yang diberikan oleh 4. Recommendations for improvement provided by
Akuntan Publik dan/atau KAP. the Public Accountant and/or Public Accounting
Firm.
8. Dalam pemantauan dan evaluasi pelaporan keuangan, 8. In monitoring and evaluating financial reporting, the
Komite Audit bertanggung jawab antara lain: Audit Committee is responsible for, among others:
a. Melakukan penelaahan atas informasi keuangan a. Reviewing financial information to be issued by
yang akan dikeluarkan Bank kepada publik dan/ the Bank to the public and/or authorities, including
atau pihak otoritas antaran lain laporan keuangan, financial reports, projections, and other reports
proyeksi, dan laporan lainnya terkait dengan related to the Bank’s financial information;
informasi keuangan Bank;
b. Menelaah pengaduan yang berkaitan dengan proses b. Reviewing complaints related to the Bank’s
akuntansi dan pelaporan keuangan Bank. accounting and financial reporting processes.
WEWENANG KOMITE AUDIT AUTHORITIES OF THE AUDIT COMMITTEE

Komite Audit Bank Muamalat juga memiliki wewenang di The Audit Committee of Bank Muamalat also has the
samping tugas dan tanggung jawabnya sebagaimana diatur authority in addition to its duties and responsibilities as
dalam Piagam Komite Audit, yakni: stipulated in the Audit Committee Charter, namely:
1. Mengakses dokumen, data, dan informasi Bank tentang 1. Access the Bank’s documents, data, and information
karyawan, dana, aset, dan sumber daya Bank yang about the Bank’s employees, funds, assets, and resources
diperlukan. as needed.
2. Berkomunikasi langsung dengan karyawan, termasuk 2. Communicate directly with employees, including the
Direksi dan pihak yang menjalankan fungsi audit Board of Directors and those who carry out the functions
internal, manajemen risiko, dan akuntan terkait tugas of internal audit, risk management, and accountants, n
dan tanggung jawab Komite Audit. relations to the duties and responsibilities of the Audit
Committee.
3. Melibatkan pihak independen di luar anggota Komite 3. Involve independent parties outside the Audit Committee
Audit yang diperlukan untuk membantu pelaksanaan members who are needed to help carry out their duties.
tugasnya. 4. Receive a copy of the Internal Audit Report submitted to
4. Menerima tembusan Laporan Hasil Audit Intern yang the President Director.
disampaikan ke Direktur Utama. 5. Perform other authorities granted by the Board of
5. Melakukan kewenangan lain yang diberikan oleh Dewan Commissioners.
Komisaris.
KETENTUAN MASA JABATAN TERM OF OFFICE

Masa tugas seorang anggota Komite Audit tidak boleh lebih The term of office of members of the Audit Committee
lama dari masa jabatan Dewan Komisaris dan dapat dipilih must not be longer than the term of office of the Board
kembali hanya untuk satu periode berikutnya. of Commissioners and can be reelected only for one
subsequent term.

KOMITE AUDIT APPOINTMENT OF THE AUDIT
COMMITTEE
Komposisi Anggota Komite Audit paling kurang terdiri dari The composition of the Audit Committee members at least
seorang Komisaris Independen, seorang pihak independen consists of an Independent Commissioner, an independent
yang memiliki keahlian di bidang akuntansi keuangan dan party with expertise in financial accounting and an
seorang pihak independen yang memiliki keahlian di bidang independent party with expertise in sharia banking. This is in
perbankan syariah. Hal tersebut sesuai dengan pasal 36 accordance with Article 36 of Bank Indonesia Regulation No.
Peraturan Bank Indonesia Nomor 11/33/PBI/2009 tentang 11/33/PBI/2009 on the Implementation of Good Corporate
Pelaksanaan Good Corporate Governance bagi Bank Umum Governance for Sharia Commercial Banks and Sharia
Syariah dan Unit Usaha Syariah. Business Units.

Hingga 31 Desember 2021, komposisi Komite Audit Bank As of 31 December 2021, the composition of the Audit
Muamalat Indonesia berjumlah tiga orang dan terdiri sesuai Committee of Bank Muamalat Indonesia consists of three
dengan peraturan perundangan-undangan yang ada. people and in compliance with the existing laws and
Berikut adalah komposisi dan dasar pengangkatan Komite regulations. The following is the composition and basis
Audit Bank sesuai dengan Keputusan Direksi No. 032/B/DIR- for the appointment of the Bank’s Audit Committee in
KPTS/XII/2019 tanggal 5 Desember 2019. accordance with the Decree of the Board of Directors No.
032/B/DIR-KPTS/XII/2019 dated 5 December 2019.
Nama Jabatan Dasar Pengangkatan Keterangan

Name Position Basis of Appointment Description
Iggi H. Achsien Ketua Surat Keputusan Direksi No. 023/B/DIR-KPTS/X/2019 tentang Komite Komisaris Independen
Chairman Audit PT Bank Muamalat Indonesia Tbk tanggal 24 Oktober 2019. Independent Commissioner
Decree of the Board of Directors No. 023/B/DIR-KPTS/X/2019 on
the Audit Committee of PT Bank Muamalat Indonesia Tbk dated 24
October 2019.
Tindomora Siregar Anggota Surat Keputusan Direksi No. 023/B/DIR-KPTS/X/2019 tentang Komite Pihak Independen ahli di bidang
Member Audit PT Bank Muamalat Indonesia Tbk tanggal 24 Oktober 2019 perbankan syariah
Decree of the Board of Directors No. 023/B/DIR-KPTS/X/2019 on Independent party who is an
the Audit Committee of PT Bank Muamalat Indonesia Tbk dated 24 expert in the field of sharia
October 2019. banking
Dwi Sasongko Anggota Surat Keputusan Direksi No. 032/B/DIR-KPTS/XII/2019 tanggal 5 Pihak Independen ahli di bidang
Member Desember 2019 akutansi keuangan
Decree of the Board of Directors No. 032/B/DIR-KPTS/XII/2019 dated 5 Independent party who is an
December 2019 expert in financial accounting
PROFIL KOMITE AUDIT AUDIT COMMITTEE PROFILE
Berikut adalah profil Komite Audit Bank Muamalat Indonesia. The following is the profile of the Audit Committee of Bank
Muamalat Indonesia
Iggi H. Achsien
Ketua
Chairman
Profil lengkap disajikan pada bab “Profil Perusahaan”. The complete profile is presented in the chapter “Company
Profile”.

2021 Annual Report
Tindomora Siregar
Anggota
Member
Warga Negara Indonesia

Citizenship
Domisili Jakarta
Domicile
Usia 63 tahun pada akhir Tahun Buku 2021
Age 63 years old at the end of the 2021 Fiscal Year
Dasar Hukum Pengangkatan Diangkat menjadi Anggota Komite Audit PT Bank Muamalat Indonesia Tbk berdasarkan Surat Keputusan
Legal Basis of Appointment Direksi No. 023/B/DIR-KPTS/X/2019 tentang Komite Audit PT Bank Muamalat Indonesia Tbk tanggal 24
Oktober 2019
Appointed as Member of the Audit Committee of PT Bank Muamalat Indonesia Tbk based on the Decree
of the Board of Directors No. 023/B/DIR-KPTS/X/2019 on the Audit Committee of PT Bank Muamalat
Indonesia Tbk dated October 24, 2019
Riwayat Pendidikan Magister Bidang Finance dari Universitas Birmingham, London
Educational Background Master of Finance from Birmingham University, London
Rangkap Jabatan -
Concurrent Positions
Pengalaman Kerja • Kepala SKAI PT Bank Muamalat Indonesia Tbk (2015-2019)
Work Experience • Direktur Penjaminan Lembaga Penjamin Simpanan (2010-2014)
• Investigator Madya Direktorat Investigas dan Mediasi Bank Indonesia (2007-2009)
• Pemimpin Cabang Bank Indonesia Kepri di Batam (2005)
• Bank Indonesia Pusat Jakarta (1998-2003)
• Kantor Perwakilan Bank Indonesia London(1993-1997)
• Pengawas Bank Indonesia Kantor Pusat Jakarta (1992)
• Pengawas Bank Indonesia wilayah kerja Padang, (1984-1986)
• Head of the IAU of PT Bank Muamalat Indonesia Tbk (2015-2019)
• Director of Guarantee of the Indonesian Deposit Insurance Corporation (2010-2014)
• Associate Investigator, Directorate of Investigation and Mediation, Bank Indonesia (2007-2009)
• Branch Manager of Bank Indonesia of Kepri in Batam (2005)
• Bank Indonesia Head Office Jakarta (1998-2003)
• Representative Office of Bank Indonesia in London(1993-1997)
• Supervisor of Bank Indonesia Jakarta Head Office (1992)
• Supervisor of Bank Indonesia for area of Padang, (1984-1986)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dalam hal hubungan keuangan maupun kekeluargaan dengan
Affiliated Relations anggota Dewan Komisaris, anggota Direksi dan Pemegang Saham Utama maupun Pemegang Saham
Pengendali
Has no affiliation, either in terms of financial or kinship, with members of the Sharia Supervisory Board,
members of the Board of Commissioners, members of the Board of Directors, and Major Shareholders or
Controlling Shareholders
Kualifikasi Pihak independen yang memiliki keahlian dalam bidang perbankan/keuangan syariah, dan audit.
Qualification An independent party with expertise in sharia banking/ finance and auditing.

Dwi Sasongko
Anggota
Member

Citizenship
Domisili Banten
Domicile
Dasar Hukum Pengangkatan Diangkat menjadi Anggota Komite Audit PT Bank Muamalat Indonesia Tbk Surat Keputusan Direksi No.
Legal Basis of Appointment 032/B/DIR-KPTS/XII/2019 tentang Komite Audit PT Bank Muamalat Indonesia Tbk tanggal 5 Desember
2019
Appointed as Member of the Audit Committee of PT Bank Muamalat Indonesia Tbk based on Decree
of the Board of Directors No. 032/B/DIRKPTS/XII/2019 on the Audit Committee of PT Bank Muamalat
Indonesia Tbk dated 5 December 2019.
Riwayat Pendidikan Sarjana Ekonomi dan Akuntansi dari Universitas Diponegoro Semarang (1987)
Educational Background Bachelor of Economics and Acountant from Diponegoro University Semarang (1982-1987)
Rangkap Jabatan Anggota Komite PT Radana Bhaskara Finance Tbk
Concurrent Positions Anggota Komite CSUL Finance
PT Radana Bhaskara Finance Tbk – Member of Committee
CSUL Finance – Member of Committee
Pengalaman Kerja • Head of Internal Audit di PT Bank Permata Tbk (2006-2012)
Work Experience • Head of Division PT Bank Niaga Tbk (1991-2006)
• Auditor Kantor Akuntan Publik Tahrir Hidayat (1987-1988)
• Head of Internal Audit at PT Bank Permata Tbk (2006-2012)
• Head of Division at PT Bank CIMB Niaga Tbk (1991-2006)
• Auditor of Public Accounting Firm Tahrir Hidayat (1987-1988)
Pengendali
Has no affiliation, either in terms of financial or kinship, with members of the Sharia Supervisory Board,
members of the Board of Commissioners, members of the Board of Directors, and Major Shareholders or
Controlling Shareholders
Kualifikasi Pihak independen yang memiliki keahlian dalam bidang akuntansi keuangan dan audit.
Qualification An independent party with expertise in financial accounting and audit.
INDEPENDENSI KOMITE AUDIT INDEPENDENCE OF THE AUDIT

COMMITTEE
Anggota Komite Audit yang berasal dari pihak independen Members of the Audit Committee who are independent
dituntut untuk dapat profesional dan independen tanpa parties are required to be professional and independent
campur tangan dari pihak manapun yang tidak sesuai dengan without interference from any party that is not in accordance
peraturan perundang-undangan dalam melaksanakan with the laws and regulations in carrying out their functions
fungsi dan tugasnya. and duties.

2021 Annual Report
Aspek Independensi Tindomora

Dwi Sasongko
Independence Aspect Siregar
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi √ √
Has no financial relationship with the Board of Commissioners and Board of Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan afiliasi √ √
Has no management relationship in the Company, its subsidiaries, or affiliated companies
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan afiliasi √ √
Has no management relationship in the Company, its subsidiaries, or affiliated companies
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota Komite √ √
Nominasi, Remunerasi dan GCG
Has no family relations with the Board of Commissioners, Board of Directors, and/or fellow members of
the Nomination, Remuneration Committee and GCG Committee
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah √ √
Does not serve as a manager of political parties, officials, and government
Dalam hal pembuktian independensi, anggota Komite Audit In terms of proving independence, members of the Bank’s
Bank tidak memiliki hubungan keluarga maupun hubungan Audit Committee have no family or financial relationship,
keuangan, baik langsung maupun tidak langsung yang either directly or indirectly, relating to the Bank’s business
berkaitan dengan kegiatan usaha Bank. activities.

Hubungan
Dewan Dewan
Tindomora Anggota √ √ √ √ √ √ √
Siregar Member
Dwi Anggota √ √ √ √ √ √ √
Sasongko Member
RAPAT KOMITE AUDIT AUDIT COMMITTEE MEETING

Bank mengatur Rapat Komite Audit diselenggarakan The Bank stipulates that the Audit Committee Meeting
sedikitnya 1 (satu) kali dalam 3 (tiga) bulan. Rapat dapat shall be held at least 1 (one) time in 3 (three) months. The
dinyatakan sah apabila dihadiri oleh paling kurang 51% meetings can be declared valid if attended by at least 51%
(lima puluh satu persen) dari anggota termasuk seorang (fifty one percent) of the members including an Independent
Komisaris Independen dan anggota yang berasal dari pihak Commissioner and members from independent parties. This
independen. Kebijakan tersebut mengacu pada Peraturan policy refers to the Financial Services Authority Regulation
Otoritas Jasa Keuangan (POJK) Nomor 55/POJK.04/2015 (FSAR) No. 55/POJK.04/2015 on the Establishment and Work
tentang Pembentukan dan Pedoman Pelaksanaan Kerja Implementation Guidelines of the Audit Committee and is
Komite Audit serta diatur dalam Piagam Komite Audit. regulated in the Audit Committee Charter.
Hasil rapat Komite Audit wajib dituangkan ke dalam risalah The results of the Audit Committee meeting must be
rapat dan didokumentasikan dengan baik, termasuk apabila recorded in the minutes of the meeting and properly
terdapat perbedaan pendapat (dissenting opinion), yang documented, including in the event of a dissenting opinion,
ditandatangani oleh seluruh anggota Komite Audit yang which is signed by all members of the Audit Committee
hadir dan disampaikan kepada Dewan Komisaris. present and submitted to the Board of Commissioners.


Hingga 31 Desember 2021, Komite Audit menggelar rapat Up to December 31, 2021, the Audit Committee held 6 (six)
sebanyak 6 (enam) kali rapat dengan rincian sebagai berikut. meetings with the following details.

No.
1 29 Januari 2021 Update Aktivitas Audit dan Koordinasi Rencana Audit 2021 • Iggi H. Achsien
January 29, 2021 Update on Audit Activities and Coordination for 2021Audit Plan • Tindomora Siregar
• Dwi Sasongko
2 26 Maret 2021 Laporan Audit Tahun 2020 dengan KAP DBSDA • Iggi H. Achsien
March 26, 2021 2020 Audit Report with the Public Accounting Firm DBSDA • Tindomora Siregar
• Dwi Sasongko
3 11 Mei 2021 1. Pembahasan Notulen Meeting Periode Sebelumnya • Iggi H. Achsien
May 11, 2021 Discussion of the Minutes of the Previous Period Meeting • Tindomora Siregar
2. Rencana Audit vs Realisasi • Dwi Sasongko
Audit Plan vs Realization
3. Hasil Audit Terkini
Latest Audit Results
4. Status dan Tindak Lanjut Hasil Audit
Status and Follow-up on Audit Results
5. IA Development & Others
4 13 Augustus 2021 1. Finalisasi Laporan Audit Juni 2021 • Iggi H. Achsien
August 13, 2021 Finalization of June 2021 Audit Report • Tindomora Siregar
2. Update Internal Audit • Dwi Sasongko
Internal Audit Update
5 28 September 2021 1. Tindak Lanjut Rekomendasi Komite Audit • Iggi H. Achsien
September 28, 2021 Follow Up on Audit Committee Recommendations • Tindomora Siregar
2. Realisasi Rencana Audit • Dwi Sasongko
Realization of Audit Plan
3. Hasil Audit Periode Agustus – September 2021
Audit Results of the August - September 2021 Period
4. Status Pemenuhan Komitmen Hasil Audit
Fulfillment Status of Audit Results Commitments
5. Improvement Update
6 31 Desember 2021 1. Kick-off dengan KAP DBSDA • Iggi H. Achsien
December 31, 2021 Kick-off the the Public Accounting Firm DBSDA • Dwi Sasongko
2. Update Internal Audit
Internal Audit Update
Adapun tingkat kehadiran masing-masing anggota komite The following is the attendance rate of each member of the
adalah sebagai berikut: committee:

Meetings Attendance
1 Iggi H. Achsien Ketua 6 6 100
Chairman
2 Tindomora Siregar Anggota 5 5 100
Member
3 Dwi Sasongko Anggota 6 6 100
Member
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT

Bank senantiasa mendorong Komite Audit untuk melakukan The Bank continuously encourages the Audit Committee to
pengembangan kompetensi melalui pelatihan-pelatihan. carry out competency development through trainings. The
Informasi lengkap mengenai hal ini disampaikan dalam bab complete information regarding this matter is presented in
“Profil Perusahaan”. the chapter “Company Profile”.

2021 Annual Report
PELAKSANAAN TUGAS KOMITE AUDIT DUTY IMPLEMENTATION OF THE AUDIT

COMMITTEE
Dalam rangka pelaksanaan tugas dan tanggung jawabnya In order to carry out its duties and responsibilities as a
sebagai organ pendukung Dewan Komisaris, di tahun 2021 supporting organ for the Board of Commissioners, in 2021
Komite Audit telah menyampaikan rekomendasi antara lain the Audit Committee has submitted recommendations,
sebagai berikut: including the following:
1. Untuk memastikan kepatuhan terhadap regulator 1. To ensure compliance with regulators regarding financing
tentang restrukturisasi pembiayaan terdampak restructuring affected by COVID-19, its implementation
COVID-19, implementasinya agar masuk dalam cakupan must be included in the scope of audit examination.
pemeriksaan audit.
2. Peningkatan kualifikasi auditor agar senantiasa 2. Improved auditor qualifications to always be carried out,
dilakukan antara lain melalui program pelatihan yang among others, through training programs which during
selama pandemi tetap dapat dilakukan secara online. the pandemic can still be done online.
3. Terus mengupayakan pengembangan combine assurance, 3. Continue to strive for the development of combine
dan menyampaikan milestone rencana pengembangan assurance, and deliver milestones for the next internal
internal audit selanjutnya. audit development plan.
4. Perbaikan pada mekanisme perubahan/perpanjangan 4. Improvements in the mechanism for changing/extending
target waktu penyelesaian komitmen tindak lanjut hasil the target time for the completion of the follow-up audit
audit perlu dilakukan, agar pemenuhan komitmen tindak results commitments need to be carried out, so that the
lanjut hasil audit tidak berlarut-larut. fulfillment of the audit results follow-up commitments
does not drag on.
5. Perlu dilakukan kaji ulang atas penetapan KPI kepada 5. It is necessary to review the determination of KPI
audit khususnya yang memiliki komitmen tindak lanjut for auditees, especially those who have a follow-up
telah melewati batas waktu. commitment that has passed the time limit.
6. Diupayakan atas setiap temuan dilengkapi dengan 6. Efforts are made for each finding to be accompanied by
informasi bahwa temuan tersebut merupakan temuan information that the finding is a recurring finding or not,
berulang atau tidak, sehingga pemberian rekomendasi so that the provision of audit recommendations includes
audit termasuk pada preventive action yaitu perbaikan preventive action, namely repairing the source causing
terhadap sumber penyebab terjadinya permasalahan. the problem.
7. Pelanggaran basic control pada pelaksanaan audit yang 7. Violation of basic control on audit implementation
ditemukan di cabang/unit kerja, agar dipertimbangkan found in the branch/work unit, to be considered as an
untuk menjadi faktor penilaian dalam memberikan Audit assessment factor in providing an Audit Rating.
Rating.
8. Pada penyusunan rencana kerja audit tahun 2022 agar 8. In the preparation of the 2022 audit work plan, pay
memperhatikan adanya temuan regulator yang belum attention to any unresolved regulatory findings.
terselesaikan.

Komite Nominasi dan Remunerasi

Nomination and Remuneration Committee
Dewan Komisaris membentuk Komite Nominasi dan The Board of Commissioners established the Nomination
Remunerasi dengan tujuan untuk menilai, memantau, and Remuneration Committee with the aim of assessing,
mengevaluasi dan memastikan pelaksanaan sistem nominasi monitoring, evaluating, and ensuring the implementation of
dan remunerasi sesuai dengan peraturan perundang- the nomination and remuneration system in accordance with
undangan secara teratur dan konsisten. Komite ini juga the laws and regulations on a regular and consistent basis.
ditujukan untuk memberikan rekomendasi kepada Dewan This committee is also aimed to provide recommendations
Komisaris atas hasil evaluasi mengenai kesesuaian antara to the Board of Commissioners on the evaluation
sistem nominasi dan remunerasi dengan pelaksanaan results regarding the conformity of the nomination and
kebijakan di internal Bank. remuneration system with the implementation of the Bank’s
internal policies.
Komite juga melaksanakan tugas lain yang diberikan oleh The Committee also performs other tasks assigned by the
Dewan Komisaris sepanjang masih dalam lingkup tugas Board of Commissioners as long as it is within the scope of
dan kewajiban Dewan Komisaris berdasarkan peraturan duties and obligations of the Board of Commissioners based
perundang-undangan yang berlaku. on the applicable laws and regulations.

Bank membentuk Komite Nominasi dan Remunerasi Bank The Bank established the Nomination and Remuneration
Muamalat Indonesia dengan berpedoman pada peraturan Committee of Bank Muamalat Indonesia based on the
perundangan-undangan sebagai berikut: following laws and regulations:
1. Peraturan Bank Indonesia No. 11/33/PBI/2009 tanggal 1. Bank Indonesia Regulation No. 11/33/PBI/2009 dated 7
7 Desember 2009 tentang Pelaksanaan Good Corporate December 2009 on Implementation of Good Corporate
2. Peraturan OJK No. 34/POJK.04/2014 tentang Komite 2. FSA Regulation No. 34/POJK.04/2014 on the Nomination
Nominasi dan Remunerasi Emiten atau Perusahaan and Remuneration Committee of Issuers or Public
Publik Companies
3. Surat Edaran Bank Indonesia No. 12/13/DPbS tanggal 3. Circular Letter of Bank Indonesia No. 12/13/DPbS dated
4. Anggaran Dasar Bank tentang tugas dan wewenang 4. The Bank’s Articles of Association on the duties and
Dewan Komisaris. authorities of the Board of Commissioners.
PEDOMAN KERJA/PIAGAM NOMINASI CHARTER OF THE NOMINATION AND

DAN REMUNERASI REMUNERATION COMMITTEE
Komite Nominasi dan Remunerasi Bank memiliki piagam The Bank’s Nomination and Remuneration Committee
sebagai pedoman dalam menjalankan fungsinya yang antara has established a charter as a guideline in carrying out
lain, mengatur: struktur dan keanggotaan, persyaratan its functions which regulates, among others: structure
keanggotaan, tugas dan tanggung jawab, wewenang, kode and membership, membership requirements, duties and
etik, program kerja, dan pelaporan. Pembaruan Piagam responsibilities, authorities, code of conduct, work program,
Komite Nominasi dan Remunerasi terakhir dilakukan pada and reporting. The latest update of the Nomination and
pada tanggal 24 Oktober 2019 dan akan terus diperbarui Remuneration Committee Charter was carried out on
sesuai dengan perkembangan regulasi yang berlaku serta 24 October 2019 and will continue to be updated in
kondisi terkini Bank. accordance with developments in applicable regulations and
the latest conditions of the Bank.

2021 Annual Report
KRITERIA ANGGOTA CRITERIA OF MEMBER

Kriteria keanggotaan keanggotaan Komite Nominasi dan The membership criteria of the Nomination and
Remunerasi untuk anggota yang merupakan Komisaris Remuneration Committee for members who are
Independen dan pihak independen telah diatur oleh Bank, Independent Commissioners and independent parties have
yang juga telah dituangkan ke dalam Piagam Komite been regulated by the Bank, which has also been stated in
Nominasi dan Remunerasi. Kriteria tersebut di antaranya: the Nomination and Remuneration Committee Charter.
These criteria include:
1. Mempunyai keseimbangan antara keahlian dan 1. Has a balance between expertise and experience with a
pengalaman dengan latar belakang pemahaman yang background of a broad understanding of the business
luas mengenai proses bisnis Bank Muamalat Indonesia processes of Bank Muamalat Indonesia in general.
secara umum.
2. Berkewajiban memiliki integritas, akhlak dan moral yang 2. Must have good integrity, character and morals.
baik.
3. Memiliki kompetensi dan pengalaman yang cukup di 3. Has sufficient competence and experience in the fields
bidang: of:
a. Peraturan Perundang-undangan (pemahaman a. Legislation (in-depth understanding of the concepts
mendalam mengenai konsep dan praktik peraturan and practices of legislation, banking, and Good
perundangan, perbankan, Good Corporate Corporate Governance).
Governance).
b. Proses bisnis perbankan syariah. b. Sharia banking business process.
4. Berkewajiban memiliki sikap yang independen, objektif 4. Must have an independent, objective and professional
dan profesional. attitude.
5. Berkewajiban memiliki dedikasi, pemahaman yang baik 5. Must have dedication, a good understanding of the
tentang organisasi, lingkungan bisnis, risiko maupun organisation, business environment, risk, and control.
pengendalian.
6. Berkewajiban memiliki kemampuan komunikasi yang 6. Must have good communication skills.
baik.
7. Tidak memiliki kepentingan/keterkaitan pribadi yang 7. Has no personal interests/relationships that can lead
dapat menimbulkan dampak negatif dan konflik to negative impacts and conflicts of interest on Bank
kepentingan terhadap Bank Muamalat Indonesia, Muamalat Indonesia, such as:
seperti:
a. Mempunyai ikatan keluarga sedarah dan semenda a. Has a family relationship in blood and marriage to
sampai derajat kedua baik menurut garis lurus the second degree either according to a straight line
maupun garis ke samping dengan staf dan pegawai or sideways line with staff and employees or the
atau Jajaran Manajemen Bank Muamalat Indonesia. Management Board of Bank Muamalat Indonesia.
b. Mempunyai ikatan dengan rekanan Bank Muamalat b. Has links with Bank Muamalat Indonesia’s partners,
Indonesia, pihak-pihak lain yang dilarang menurut other parties which are prohibited according to
ketentuan perundang- undangan maupun peraturan the provisions of the legislation or other applicable
lain yang berlaku. regulations.
8. Anggota komite yang berasal dari pihak independen 8. Member of the Committee who are independent parties
wajib memenuhi syarat: must meet the following requirements:
a. Tidak mempunyai hubungan Afiliasi dengan Bank a. Has no affiliated relationship with Bank Muamalat
Muamalat Indonesia, anggota Direksi, anggota Indonesia, members of the Board of Directors,
Dewan Komisaris, atau Pemegang Saham Utama members of the Board of Commissioners, or Major
Bank Muamalat Indonesia. Shareholders of Bank Muamalat Indonesia.
b. Memiliki pengalaman terkait Nominasi dan/atau b. Has experience related to Nomination and/or
Remunerasi. Remuneration.
c. Tidak merangkap jabatan sebagai anggota komite c. Not concurrently serving as another committee
lainnya yang dimiliki Bank Muamalat Indonesia. member owned by Bank Muamalat Indonesia.


Berikut adalah tugas dan tanggung jawab Komite Nominasi The following are the duties and responsibilities of the
dan Remunerasi sebagai pedoman bagi anggota dalam Nomination and Remuneration Committee as a guideline for
menjalankan fungsinya. members in carrying out their functions.
Terkait dengan kebijakan nominasi: Related to the nomination policy:

1. Memberikan rekomendasi kepada Dewan Komisaris 1. Provide recommendations to the Board of
mengenai sistem serta prosedur pemilihan dan/atau Commissioners regarding the system and procedures
penggantian anggota Dewan Komisaris, Direksi dan for the selection and/or replacement of members of the
Dewan Pengawas Syariah. Board of Commissioners, Board of Directors and Sharia
Supervisory Board.
2. Memberikan usulan calon yang memenuhi syarat 2. Provide proposals for candidates who qualify as
sebagai anggota Direksi, anggota Dewan Komisaris dan members of the Board of Directors, members of the
Dewan Pengawas Syariah kepada Dewan Komisaris Board of Commissioners, and Sharia Supervisory Board
untuk disampaikan kepada RUPS. to the Board of Commissioners to be submitted to the
GMS.
3. Memberikan rekomendasi kepada Dewan Komisaris 3. Provide recommendations to the Board of Commissioners
mengenai kebijakan dan kriteria yang dibutuhkan dalam regarding the policies and criteria needed in the
proses nominasi dan kebijakan evaluasi kinerja bagi nomination process and performance evaluation policies
anggota Direksi dan/atau anggota Dewan Komisaris. for members of the Board of Directors and/or members
of the Board of Commissioners.
4. Membantu Dewan Komisaris melakukan penilaian 4. Assist the Board of Commissioners in evaluating the
kinerja anggota Direksi dan/atau anggota Dewan performance of members of the Board of Directors and/
Komisaris berdasarkan tolok ukur yang telah disusun or members of the Board of Commissioners based on
sebagai bahan evaluasi. benchmarks that have been prepared as evaluation
material.
mengenai program pengembangan kemampuan regarding the capacity building program for members of
anggota Direksi dan/atau anggota Dewan Komisaris. the Board of Directors and/or members of the Board of
Commissioners.
6. Memberikan rekomendasi kepada Dewan Komisaris 6. Provide recommendations to the Board of
mengenai calon anggota Dewan Komisaris, Direksi dan/ Commissioners regarding prospective members of the
atau Dewan Pengawas Syariah. Board of Commissioners, Board of Directors, and/or
Sharia Supervisory Board.
mengenai calon pihak independen yang akan menjadi regarding candidates for independent parties who will
anggota Komite. become members of the Committee.
Terkait dengan kebijakan remunerasi: Related to the remuneration policy:

1. Melakukan evaluasi terhadap kebijakan remunerasi. 1. Evaluate the remuneration policy.
2. Melakukan evaluasi terhadap kesesuaian antara kebijakan 2. Evaluate the suitability of the remuneration policy and
remunerasi dengan pelaksanaan kebijakan tersebut. the implementation of the policy.
mengenai kebijakan remunerasi bagi Dewan Komisaris, regarding the remuneration policy for the Board of
Direksi, Dewan Pengawas Syariah, Pejabat Eksekutif dan Commissioners, Board of Directors, Sharia Supervisory
karyawani secara keseluruhan. Board, Executive Officers and employees as a whole.
Komite Nominasi dan Remunerasi dalam menjalankan In carrying out its duties related to remuneration, the
tugas terkait dengan remunerasi, setidaknya perlu Nomination and Remuneration Committee must at least
memerhatikan: take into account the following:
a. Kinerja keuangan a. Financial performance
b. Pemenuhan pembentukan Penyisihan Penghapusan b. Compliance with the establishment of Allowance for
Aset Asset Losses
c. Kewajaran dengan peer group c. Fairness with peer groups
d. Pertimbangan sasaran dan strategi jangka panjang d. Consideration of the Bank’s long-term goals and
Bank strategies

2021 Annual Report
WEWENANG KOMITE NOMINASI DAN AUTHORITIES OF THE NOMINATION AND

REMUNERASI REMUNERATION COMMITTEE
Nominasi dan Remunerasi Bank Muamalat juga memiliki In addition to its duties and responsibilities, the Nomination
wewenang di samping tugas dan tanggung jawabnya, and Remuneration Committee of Bank Muamalat also
sebagaimana diatur dalam Piagam Komite Nominasi dan has authorities, as stipulated in the Nomination and
Remunerasi. Wewenang yang dimaksud ialah mengakses Remuneration Committee Charter. The authorities refer to
dokumen, data, dan informasi yang diperlukan dari Bank accessing the required documents, data, and information
Muamalat Indonesia. from Bank Muamalat Indonesia.
Komite Nominasi dan Remunerasi dapat melibatkan pihak The Nomination and Remuneration Committee may involve
independen di luar anggota komite untuk membantu independent parties outside the committee members to
pelaksanaan tugasnya serta melaksanakan kewenangan assist in the implementation of their duties and carry out
lain yang diberikan oleh Dewan Komisaris, apabila dianggap other authorities granted by the Board of Commissioners,
perlu. if necessary.

Masa tugas anggota Komite Nominasi dan Remunerasi tidak The term of office of members of the Nomination and
boleh lebih lama dari masa jabatan Dewan Komisaris dan Remuneration Committee shall not be longer than the
dapat diangkat kembali. Sementara itu, bagi anggota Komite term of office of the Board of Commissioners and can be
yang bukan berasal dari Dewan Komisaris, pergantiannya reappointed. For members of the Committee who are not
paling lambat dilakukakan 60 (enam puluh) hari sejak members of the Board of Commissioners, replacements are
anggota Komite Nominasi dan Remunerasi dimaksud tidak made no later than 60 (sixty) days after the members of the
dapat lagi melaksanakan fungsinya. Nomination and Remuneration Committee are no longer
able to perform their functions.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND APPOINTMENT

KOMITE NOMINASI DAN REMUNERASI BASIS OF THE NOMINATION AND
REMUNERATION COMMITTEE
Komposisi anggota Komite Nominasi dan Remunerasi paling The composition of the Nomination and Remuneration
kurang terdiri dari 2 (dua) orang Komisaris Independen dan Committee consists of at least 2 (two) Independent
seorang perjabat eksekutif yang membawahi Sumber Daya Commissioners and an executive officer in charge of Human
Manusia. Ketentuan tersebut mengacu pasal 35 Peraturan Resources. This provision refers to Article 35 of Bank
Bank Indonesia Nomor 11/33/PBI/2009 tentang Pelaksanaan Indonesia Regulation No. 11/33/PBI/2009 on Implementation
Good Corporate Governance bagi Bank Umum Syariah dan of Good Corporate Governance for Sharia Commercial Banks
Unit Usaha Syariah. and Sharia Business Units.
Sementara pasal 3 Peraturan Otoritas Jasa Keuangan No. Furthermore, Article 3 of the Financial Services Authority
34/ POJK.04/2014 tentang Komite Nominasi dan Remunerasi Regulation No. 34/ POJK.04/2014 on the Nomination
Emiten atau Perusahaan Publik mengatur bahwa anggota and Remuneration Committee of Issuers or Public
Komite Nominasi dan Remunerasi paling kurang terdiri Companies stipulates that members of the Nomination
dari 3 (tiga) orang anggota, dengan ketentuan: seorang and Remuneration Committee shall consist of at least 3
ketua merangkap anggota, yang merupakan Komisaris (three) members, with the following provisions: a chairman
Independen dan anggota lainnya dapat berasal dari anggota who is concurrently a member, who is an Independent
Dewan Komisaris, pihak yang berasal dari luar Bank, atau Commissioner, and other members who are members of
pihak yang menduduki jabatan manajerial di bawah Direksi the Board of Commissioners, parties from outside the Bank,
yang membidangi sumber daya manusia. or parties holding managerial positions under the Board of
Directors in charge of human resources.
Hingga 31 Desember 2021, komposisi Komite Nominasi As of 31 December 2021, the composition of the Nomination
dan Remunerasi Bank Muamalat Indonesia berjumlah 5 and Remuneration Committee of Bank Muamalat Indonesia
(lima) orang. Komposisi tersebut telah memenuhi peraturan is 5 (five) people. The composition has complied with the
perundangan-undangan yang ada serta telah ditetapkan existing laws and regulations and has been stipulated in the
dalam Keputusan Direksi No. 25/B/DIR-KPTS/X/2019 tanggal Decree of the Board of Directors No. 25/B/DIR-KPTS/X/2019
24 Oktober 2019 tentang Komite Nominasi dan Remunerasi dated 24 October 2019 on the Nomination and Remuneration
PT Bank Muamalat Indonesia Tbk. Committee of PT Bank Muamalat Indonesia Tbk.


Ilham A. Habibie Ketua Surat Keputusan Direksi No. 025/B/DIR/KPTS/X/2019 tentang Komite Komisaris Independen
Chairman Nominasi dan Remunerasi PT Bank Muamalat Indonesia Tbk tanggal Independent Commissioner
24 Oktober 2019
Decree of the Board of Directors No. 025/B/DIR/KPTS/X/2019 on the
Nomination and Remuneration Committee of PT Bank Muamalat
Indonesia Tbk dated 24 October 2019
Iggi H. Achsien Anggota Surat Keputusan Direksi No. 025/B/DIR-KPTS/X/2019 tentang Komite Komisaris Independen
Member Nominasi dan Remunerasi PT Bank Muamalat Indonesia Tbk tanggal Independent Commissioner
24 Oktober 2019.
Edy Setiadi Anggota Surat Keputusan Direksi No. 025/B/DIR-KPTS/X/2019 tentang Komite Komisaris Independen
Member Nominasi dan Remunerasi PT Bank Muamalat Indonesia Tbk tanggal Independent Commissioner
24 Oktober 2019.
Mohamed Hedi Anggota Surat Keputusan Direksi No. 025/B/DIR-KPTS/X/2019 tentang Komite Komisaris
Mejai*) Member Nominasi dan Remunerasi PT Bank Muamalat Indonesia Tbk tanggal Commissioner
24 Oktober 2019.
Riksa Prakoso Anggota Surat Keputusan Direksi No. 025/B/DIR-KPTS/X/2019 tentang Komite Pejabat Eksekutif Bank
Member Nominasi dan Remunerasi PT Bank Muamalat Indonesia Tbk tanggal Executive Officer of the Bank
24 Oktober 2019.
*)
PROFIL KOMITE NOMINASI DAN NOMINATION AND REMUNERATION

REMUNERASI PROFIL KOMITE NOMINASI COMMITTEE PROFILE
DAN REMUNERASI
Berikut adalah profil anggota Komite Nominasi dan The following is the profile of members of the Nomination
Remunerasi Bank Muamalat Indonesia. and Remuneration Committee of Bank Muamalat Indonesia.
Ilham A. Habibie
Ketua
Chairman
Profile”.

2021 Annual Report
Iggi H. Achsien
Anggota
Member
Profile”.
Edy Setiadi
Anggota
Member
Profile”.
Mohamed Hedi Mejai

Anggota
Member
Profile”.

Riksa Prakoso
Anggota
Member
Profile”.
RAPAT KOMITE NOMINASI DAN NOMINATION AND REMUNERATION

REMUNERASI COMMITTEE MEETING

Bank mengatur rapat Komite Nominasi dan Remunerasi The Bank stipulates that the Nomination and Remuneration
BMI sedikitnya diselenggarakan 1 (satu) kali dalam 4 Committee meetings of BMI are held at least 1 (one)
(empat) bulan. Rapat dapat dinyatakan sah apabila dihadiri time in 4 (four) months. Meetings can be declared valid if
oleh mayoritas dari jumlah anggota Komite Nominasi dan attended by the majority of members of the Nomination
Remunerasi dan salah satu dari mayoritas jumlah anggota and Remuneration Committee and one of the majority
Komite Nominasi dan Remunerasi tersebut merupakan of members attending the meeting is the Chairman of
Ketua Komite Nominasi dan Remunerasi. Hal tersebut the Nomination and Remuneration Committee. This is in
sesuai dengan Peraturan Otoritas Jasa Keuangan No. 34/ accordance with FSA Regulation No. 34/POJK.04/2014 on
POJK.04/2014 tentang Komite Nominasi dan Remunerasi the Nomination and Remuneration Committee of Issuers or
Emiten atau Perusahaan Publik serta dalam Piagam Komite Public Companies and is regulated in the Nomination and
Nominasi dan Remunerasi. Remuneration Committee Charter.
Hasil rapat Komite wajib dituangkan ke dalam risalah rapat, The results of the Committee meeting must be stated
termasuk apabila terdapat perbedaan pendapat (dissenting in the minutes of the meeting, including any dissenting
opinion). Risalah tersebut harus ditandatangani oleh seluruh opinions. The minutes must be signed by all members of the
anggota Komite Nominasi dan Remunerasi yang hadir dan Nomination and Remuneration Committee who are present
disampaikan kepada Dewan Komisaris. and submitted to the Board of Commissioners.

Hingga 31 Desember 2021, Komite Nominasi dan Up to 31 December 2021, the Nomination and Remuneration
Remunerasi menggelar rapat sebanyak 5 (lima) kali rapat. Committee held 5 (five) meetings. The following are the
Berikut rinciannya. details.
Tanggal Peserta Rapat

No.
Date Meeting Participants
1 15 April 2021 Ilham A. Habibie
15 April 2021 Edy Setiadi
Iggi H. Achsien
Moh Hedi Mejai*)
Riksa Prakoso
2 13 Juli 2021 Ilham A. Habibie
13 July 2021 Edy Setiadi
Iggi H. Achsien
Moh Hedi Mejai*)
Riksa Prakoso
3 13 Agustus 2021 Ilham A. Habibie
13 August 2021 Edy Setiadi
Iggi H. Achsien
Riksa Prakoso

2021 Annual Report

No.
4 22 September 2021 Ilham A. Habibie
22 September 2021 Edy Setiadi
Iggi H. Achsien
Moh Hedi Mejai*)
5 3 November 2021 Ilham A. Habibie
3 November 2021 Edy Setiadi
Moh Hedi Mejai*)
Riksa Prakoso
*)
Tingkat Kehadiran Rapat Meeting Attendance Rate

Meetings Attendance
1 Ilham A. Habibie Ketua 5 5 100%
Chairman
2 Iggi H. Achsien Anggota 5 4 80%
Member
3 Edy Setiadi Anggota 5 5 100%
Member
4 Mohamed Hedi Mejai*) Anggota 5 4 80%
Member
5 Riksa Prakoso Anggota 5 4 80%
Member
*)

Bank senantiasa mendorong Komite Nominasi dan The Bank continuously encourages the Nomination and
Remunerasi untuk melakukan pengembangan kompetensi Remuneration Committee to develop competence through
melalui pelatihan-pelatihan. Informasi lengkap mengenai hal trainings. Complete information regarding this matter is
ini disampaikan dalam bab “Profil Perusahaan”. presented in the chapter “Company Profile”.
PELAKSANAAN TUGAS KOMITE DUTY IMPLEMENTATION OF THE

NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION
COMMITTEE
Komite Nominasi dan Remunerasi telah menyampaikan The Nomination and Remuneration Committee has
rekomendasi dalam rangka menjalankan tugas dan tanggung submitted recommendations in order to carry out its duties
jawabnya sebagai organ pendukung Dewan Komisaris and responsibilities as a supporting organ for the Board of
antara lain sebagai berikut: Commissioners, including the following:
1. Pengangkatan Anggota DPS baru 1. Appointment of new DPS Members
2. Pembubaran komite tata kelola terintegrasi sehubungan 2. Dissolution of the integrated governance committee in
dengan tidak terpenuhinya persyaratan Bank sebagai connection with the non-fulfillment of the requirements
konglomerasi keuangan of the Bank as a financial conglomerate
3. Perpanjangan kontrak dan pengakhiran kontrak anggota 3. Contract extension and termination of contracts for
komite Audit, Komite Pemantau Risiko, dan Komite GCG members of the Audit Committee, Risk Monitoring
Committee, and GCG Committee
4. Perpanjangan kontrak untuk Manajemen 4. Contract renewal for Management
5. Rekomendasi perubahan status hubungan kerja Chief 5. Recommendations for changes to Chiefs employment
status

KEBIJAKAN MENGENAI SUKSESI DIREKSI POLICY ON THE SUCCESSION OF THE

BOARD OF DIRECTORS
Bank memiliki kebijakan mengenai suksesi manajemen, The Bank has established a policy regarding management
termasuk Direksi yang mengacu pada ketentuan OJK succession, including the Board of Directors, which
No. 34/POJK.04/2014 tentang Komite Nominasi dan refers to he FSA Regulation No. 34/POJK.04/2014 on the
Remunerasi Emiten atau Perusahaan Publik. Komite yang Nomination and Remuneration Committee for Issuers
menjalankan fungsi nominasi dan remunerasi di Bank or Public Companies. The committee that performs the
mempunyai tugas untuk menyusun kebijakan dan kriteria nomination and remuneration functions at the Bank has
yang dibutuhkan dalam proses Nominasi calon anggota the task of formulating the required policies and criteria in
Direksi. Salah satu kebijakan yang dapat mendukung proses the nomination process for prospective members of the
Nominasi sebagaimana dimaksud adalah kebijakan suksesi Board of Directors. One of the policies that can support the
anggota Direksi. Kebijakan mengenai suksesi bertujuan nomination process as referred to is the succession policy
untuk menjaga kesinambungan proses regenerasi atau of members of the Board of Directors. The succession policy
kaderisasi kepemimpinan di perusahaan dalam rangka aims to maintain the continuity of the regeneration process
mempertahankan keberlanjutan bisnis dan tujuan jangka or leadership regeneration in the Company in order to
panjang perusahaan. maintain business sustainability and the Company’s long-
term goals.
Kebijakan suksesi manajemen itu diimplementasikan melalui The management succession policy is implemented through
beragam program, salah satunya ialah Talent Management various programs, one of which is Talent Management and
dan Succession Plan. Fungsi dari talent management ialah Succession Plan. The function of talent management is to
mempersiapkan pool of talent dari Bank sebaga upaya prepare a pool of talent from the Bank as an effort to provide
menyediaan dan penguatan Sumber Daya Insani di Bank. and strengthen Human Resources in the Bank. Succession is
Suksesi diterapkan untuk penyiapan kader-kader terbaik applied to prepare the best cadres from the Pool of Talent of
dari pool of talent Bank yang siap menduduki posisi-posisi the Bank who are ready to hold critical positions, including
kritikal termasuk posisi Direksi. the position of the Board of Directors.
Bank telah memiliki database pool of talent dan successor The Bank has a Pool of Talent and Successor database based
berdasarkan proses identifikasi talent dan suksesor dengan on the process of identifying talent and successors using
menggunakan metodologi yang disiapkan Bank. Proses the methodology prepared by the Bank. The validation and
validasi dan kalibrasi dilakukan atas talent dan suksesor calibration process is carried out on Talent and Successor at
baik di tingkat Direktorat maupun di tingkat Direksi untuk both the Directorate level and the Board of Directors level
posisi-posisi strategis yaitu posisi satu level di bawah Direksi for strategic positions, namely one level below the Board
dan Region Head. Database ini diperbarui setiap tahun dan of Directors and Region Head. This database is updated
menjadi referensi Manajemen dalam melakukan rotasi annually and serves as a reference for the management
maupun promosi karyawan serta untuk kebutuhan nominasi in conducting employee rotation and promotion as well as
jabatan strategis termasuk Direksi. for nominating strategic positions, including the Board of
Directors.

2021 Annual Report
Komite Pemantau Risiko

Risk Oversight Committee
Dewan Komisaris membentuk Komite Pemantau Risiko The Board of Commissioners established a Risk Oversight
dengan tujuan membantu pelaksanaan pengawasan Committee with the aim of assisting the implementation
dan evaluasi terhadap kebijakan manajemen risiko serta of supervision and evaluation of risk management policies
pelaksanaannya. Komite juga melakukan evaluasi atas and their implementation. The Committee also evaluates
pelaksanaan tugas Komite Manajemen Risiko dan Unit Kerja the implementation of the tasks of the Risk Management
Manajemen Risiko. Committee and the Risk Management Unit.

Dalam membentuk Komite Pemantau Risiko, Bank Muamalat In establishing the Risk Oversight Committee, Bank Muamalat
Indonesia mengacu pada peraturan perundangan-undangan Indonesia refers to the following laws and regulations:
sebagai berikut:
3. Anggaran Dasar Bank tentang tugas dan wewenang 3. Bank’s Articles of Association regarding the duties and
Dewan Komisaris. authorities of the Board of Commissioners.
PEDOMAN KERJA/PIAGAM KOMITE CHARTER OF THE RISK OVERSIGHT

PEMANTAU RISIKO COMMITTEE
Komite Pemantau Risiko memiliki piagam dalam The Risk Oversight Committee has established a charter
menjalankan perannya, yang mengatur struktur dan in carrying out its role, which regulates the structure and
keanggotaan, persyaratan keanggotaan, masa tugas, tugas membership, membership requirements, tenure, duties
dan tanggung jawab, wewenang, tata cara dan prosedur and responsibilities, authority, procedures and procedures
penyelenggaraan rapat serta pelaporan kepada Dewan for holding meetings and reporting to the Board of
Komisaris. Piagam Komite Pemantau Risiko terakhir Commissioners. The Charter of the Risk Oversight Committee
dimutakhirkan pada Mei 2020 dan akan terus diperbarui was last updated in May 2020 and would continue to be
sesuai dengan perkembangan regulasi yang berlaku serta updated in accordance with developments in applicable
kondisi terkini dari Bank. regulations and the latest conditions of the Bank
KRITERIA ANGGOTA KOMITE PEMANTAU MEMBERSHIP CRITERIA OF THE RISK

RISIKO OVERSIGHT COMMITTEE
Kriteria keanggotaan Komite Pemantau Risiko untuk The membership criteria of the Risk Oversight Committee
anggota yang merupakan Komisaris Independen dan for members who are Independent Commissioners and
pihak independen telah diatur oleh Bank, yang juga telah independent parties have been regulated by the Bank,
dituangkan ke dalam Piagam Komite Pemantau Risiko which has also been stated in the Risk Oversight Committee
Kriteria tersebut di antaranya: Charter, including:
1. Memiliki integritas, reputasi keuangan, akhlak dan moral 1. Having integrity, financial reputation, good character,
yang baik. and morals.
2. Memiliki latar belakang pendidikan, kemampuan, 2. Having adequate educational background, abilities,
pengetahuan dan pengalaman yang memadai di bidang knowledge and experience in finance and banking.
keuangan dan perbankan.
3. Mampu bekerja sama dan memiliki kemampuan 3. Able to work together and have good communication
komunikasi yang baik serta menyediakan waktu yang skills and provide sufficient time to carry out their duties.
cukup untuk melaksanakan tugasnya.

4. Memiliki pengetahuan yang memadai mengenai Good 4. Having adequate knowledge about Good Corporate
Corporate Governance dan manajemen risiko secara Governance and risk management in general.
umum.
5. Berpengetahuan yang memadai mengenai peraturan 5. Having adequate knowledge of banking laws and
perundang-undangan di bidang perbankan dan regulations and other related laws and regulations.
peraturan perundang-undangan terkait lainnya.
6. Bersedia meningkatkan kompetensi secara terus 6. Willing to increase competence continuously through
menerus melalui pendidikan dan pelatihan. education and training.
7. Bukan merupakan orang dalam Kantor Akuntan Publik, 7. Not a person in a Public Accountant Office, Legal
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik Consultant Office, Public Appraisal Service Office or other
atau pihak lain yang memberi jasa assurance, jasa non- parties providing assurance services, non-assurance
assurance, jasa penilai dan/atau jasa konsultasi lain services, appraisal services and/or other consulting
kepada Bank Muamalat Indonesia dalam waktu 6 (enam) services to Bank Muamalat Indonesia within the last 6
bulan terakhir. (six) months.
8. Tidak mempunyai saham langsung maupun tidak 8. Not having direct or indirect shares in Bank Muamalat
langsung pada Bank Muamalat Indonesia. Indonesia.
9. Tidak memiliki kepentingan pribadi yang dapat 9. Not having personal interests that could cause a conflict
menimbulkan benturan kepentingan terhadap Bank of interest against Bank Muamalat Indonesia.
Muamalat Indonesia.
10. Tidak mempunyai hubungan Afiliasi dengan anggota 10. Having no affiliated relation with members of the Board
Dewan Komisaris, anggota Direksi, atau Pemegang of Commissioners, members of the Board of Directors,
Saham Utama Bank Muamalat Indonesia. or Major Shareholders of Bank Muamalat Indonesia.
11. Tidak memiliki hubungan usaha baik langsung maupun 11. Not having business relationships, directly or indirectly,
tidak langsung yang berkaitan dengan kegiatan usaha related to the business activities of Bank Muamalat
12. Bukan merupakan pihak yang berasal dari karyawan 12. Not a party originating from Bank Muamalat Indonesia
Bank Muamalat Indonesia. employees.

Berikut adalah tugas dan tanggung jawab Komite Pemantau The following are the duties and responsibilities of the Risk
Risiko yang telah diatur oleh Bank. Oversight Committee that have been regulated by the Bank.
1. Melakukan evaluasi atas kebijakan dan strategi 1. Evaluating the risk management policies and strategies
manajemen risiko yang disusun Manajemen. prepared by Management.
2. Melakukan evaluasi atas kesesuaian antara kebijakan 2. Evaluating the conformity of the risk management policy
manajemen risiko dengan pelaksanaan kebijakan with the implementation of the policy.
tersebut.
3. Melakukan evaluasi atas pelaksanaan tugas Komite 3. Evaluating the implementation of the tasks of the Risk
Manajemen Risiko dan Unit Kerja Manajemen Risiko. Management Committee and Risk Management Unit.
4. Melakukan evaluasi atas langkah-langkah yang diambil 4. Evaluating the measures taken by the Board of Directors
oleh Direksi dalam rangka memenuhi Otoritas Jasa in order to comply with the Financial Services Authority
Keuangan dan peraturan perundang-undangan lain and other applicable laws and regulations in the context
yang berlaku dalam rangka pelaksanaan prinsip kehati- of implementing the prudential principles, particularly
hatian, khususnya yang berkaitan dengan manajemen those relating to risk management
risiko.
5. Melakukan evaluasi atas permohonan atas usulan 5. Evaluating the requests of the Board of Directors‘
Direksi yang berkaitan dengan transaksi atau kegiatan proposal relating to transactions or business activities
usaha yang melampaui kewenangan Direksi untuk that exceed the authority of the Board of Directors to
dapat digunakan oleh Dewan Komisaris sebagai dasar be used by the Board of Commissioners as a basis for
pengambilan keputusan. decision making.
6. Melakukan evaluasi atas struktur organisasi manajemen 6. Evaluating the risk management organisational structure.
risiko.
7. Melakukan evaluasi atas laporan profil risiko dan laporan 7. Evaluating the risk profile report and the Bank’s report,
Bank baik internal maupun eksternal agar sesuai dengan both internal and external, to be in accordance with the
ketentuan yang berlaku. applicable regulations.
8. Memastikan bahwa unit kerja manajemen risiko 8. Ensuring that the risk management unit meets the
memenuhi kriteria independensi dalam melaksanakan independence criteria in carrying out its duties and
tugas dan tanggung jawabnya. responsibilities.
2021 Annual Report
WEWENANG KOMITE PEMANTAU RISIKO AUTHORITIES OF THE RISK OVERSIGHT

COMMITTEE
Komite Pemantau Risiko Bank Muamalat Indonesia juga In addition to its duties and responsibilities, the Risk
memiliki wewenang di samping tugas dan tanggung Oversight Committee of Bank Muamalat Indonesia also has
jawabnya sebagaimana diatur dalam Piagam Komite authorities as stipulated in the Risk Oversight Committee
Pemantau Risiko, yakni: Charter, namely:
1. Diperbolehkan mengakses dokumen, data, dan informasi 1. Able to access bank documents, data, and information
Bank tentang karyawan, dana, aset dan sumber daya about employees, funds, assets, and company resources
Bank yang diperlukan. needed.
2. Diperbolehkan berkomunikasi langsung dengan 2. Able to communicate directly with employees, including
karyawan, termasuk Direksi dan pihak yang menjalankan the Board of Directors as well as parties performing the
fungsi manajemen risiko dan pihak-pihak lain yang risk management functions and other parties related
berkaitan dengan tugas dan tanggung jawab Komite to the duties and responsibilities of the Risk Oversight
Pemantau Risiko. Committee.
3. Diperbolehkan melibatkan pihak independen di luar 3. Able to involve independent parties outside the members
anggota Komite Pemantau Risiko yang diperlukan untuk of the Risk Oversight Committee to assist in carrying out
membantu pelaksanaan tugasnya. its duties.
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Perform other authorities granted by the Board of

Masa tugas anggota Komite Pemantau Risiko tidak boleh The term of office of members of the Risk Oversight
lebih lama dari masa jabatan Dewan Komisaris dan dapat Committee must not be longer than the term of office of the
dipilih kembali hanya untuk satu periode berikutnya. Board of Commissioners. Committee members can be re-
elected for only one term.

KOMITE PEMANTAU RISIKO APPOINTMENT OF THE RISK OVERSIGHT
COMMITTEE
Komposisi Komite Pemantau Risiko paling kurang terdiri dari: The composition of the Risk Oversight Committee shall
seorang Komisaris Independen, seorang pihak independen at least consist of: an Independent Commissioner, an
yang memiliki keahlian di bidang perbankan syariah dan independent party with expertise in sharia banking, and
seorang pihak independen yang memiliki keahlian di bidang an independent party with expertise in risk management.
manajemen risiko. Hal itu sesuai dengan pasal 34 Peraturan This is in accordance with article 34 of Bank Indonesia
Bank Indonesia Nomor 11/33/PBI/2009 tentang Pelaksanaan Regulation No. 11/33/PBI/2009 on the Implementation of
Good Corporate Governance bagi Bank Umum Syariah dan Good Corporate Governance for Sharia Commercial Banks
Unit Usaha Syariah. and Sharia Business Units.
Hingga 31 Desember 2021, komposisi Komite Pemantau As of December 31, 2021, the composition of the Risk
Risiko Bank Muamalat Indonesia telah sesuai dengan Oversight Committee of Bank Muamalat Indonesia has
peraturan perundangan-undangan yang ada. Keanggotaan complied with the existing laws and regulations. The
Komite Pemantau Risiko di tahun 2021 ditetapkan membership of the Risk Oversight Committee in 2021 is
melalui Surat Keputusan Direksi No. 018/B/DIR-KPTS/ determined through the Decree of the Board of Directors
IV/2021 tanggal 26 April 2021 tentang Komite Pemantau No. 018/B/DIR-KPTS/IV/2021 dated April 26, 2021 on the
Risiko PT Bank Muamalat Indonesia Tbk dan Surat Risk Oversight Committee of PT Bank Muamalat Indonesia
Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tanggal Tbk and the Decree of the Board of Directors No. 032/B/
18 November 2021 tentang Komite Pemantau Risiko DIR-KPTS/XI/2021 dated November 18, 2021 on the Risk
PT Bank Muamalat Indonesia Tbk. Monitoring Committee of PT Bank Muamalat Indonesia Tbk.

Komposisi dan Dasar Pengangkatan Komite Pemantau Composition and Basis of Appointment of the Bank’s
Risiko Bank per 26 April 2021 Risk Oversight Committee as of 26 April 2021
Edy Setiadi Ketua Surat Keputusan Direksi No. 018/B/DIR-KPTS/IV/2021 tanggal 26 April Komisaris Independen
Chairman 2021 tentang Komite Pemantau Risiko PT Bank Muamalat Indonesia Independent Commissioner
Tbk
Decree of the Board of Directors No. 018/B/DIR-KPTS/IV/2021 dated
26 April 2021 on the Risk Oversight Committee of PT Bank Muamalat
Indonesia Tbk
Ilham A. Habibie Anggota Surat Keputusan Direksi No. 018/B/DIR-KPTS/IV/2021 tanggal 26 April Komisaris Independen
Member 2021 tentang Komite Pemantau Risiko PT Bank Muamalat Indonesia Independent Commissioner
Tbk
Indonesia Tbk
Abdulsalam Anggota Surat Keputusan Direksi No. 018/B/DIR-KPTS/IV/2021 tanggal 26 April Komisaris
Mohammad Joher Member 2021 tentang Komite Pemantau Risiko PT Bank Muamalat Indonesia Commissioner
Al-Saleh* Tbk
Indonesia Tbk
Dece Kurniadi Anggota Surat Keputusan Direksi No. 018/B/DIR-KPTS/IV/2021 tanggal 26 April Pihak Independen
Member 2021 tentang Komite Pemantau Risiko PT Bank Muamalat Indonesia Independent Party
Tbk
Indonesia Tbk
Evi Afiatin Anggota Surat Keputusan Direksi No. 018/B/DIR-KPTS/IV/2021 tanggal 26 April Pihak Independen
Member 2021 tentang Komite Pemantau Risiko PT Bank Muamalat Indonesia Independent Party
Tbk
Indonesia Tbk
*)
Komposisi dan Dasar Pengangkatan Komite Pemantau Composition and Basis of Appointment of the Bank’s
Risiko Bank per 18 November 2021 Risk Oversight Committee as of 18 November 2021
Edy Setiadi Ketua Surat Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tanggal 18 Komisaris Independen
Chairman November 2021 tentang Komite Pemantau Risiko PT Bank Muamalat Independent Commissioner
Indonesia Tbk
Decree of the Board of Directors No. 032/B/DIR-KPTS/XI/2021 dated
18 November 2021 on the Risk Oversight Committee of PT Bank
Ilham A. Habibie Anggota Surat Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tanggal 18 Komisaris Independen
Member November 2021 tentang Komite Pemantau Risiko PT Bank Muamalat Independent Commissioner
Indonesia Tbk 2021
Decree of the Board of Directors No. 032/B/DIR-KPTS/XI/2021 dated
Muamalat Indonesia Tbk 2021
Evi Afiatin Anggota Surat Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tanggal 18 Pihak Independen dalam bidang
Member November 2021 tentang Komite Pemantau Risiko PT Bank Muamalat perbankan Syariah
Indonesia Tbk Independent Party in Sharia
Decree of the Board of Directors No. 032/B/DIR-KPTS/XI/2021 dated banking
Dedi Sopyan Anggota Surat Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tanggal 18 Pihak Independen dalam bidang
Member November 2021 tentang Komite Pemantau Risiko PT Bank Muamalat manajemen risiko
Indonesia Tbk Independent Party in risk
Decree of the Board of Directors No. 032/B/DIR-KPTS/XI/2021 dated management

2021 Annual Report
PROFIL KOMITE PEMANTAU RISIKO RISK OVERSIGHT COMMITTEE PROFILE

Berikut adalah profil Komite Pemantau Risiko Bank The following is the profile of the Risk Oversight Committee
Muamalat Indonesia. of Bank Muamalat Indonesia.
Edy Setiadi
Ketua
Chairman
Profile”.
Ilham A. Habibie
Anggota
Member
Profile”.

Evi Afiatin
Anggota
Member

Citizenship
Domisili Jakarta
Domicile
Dasar Hukum Pengangkatan Diangkat menjadi Anggota Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk berdasarkan Surat
Legal Basis of Appointment Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tanggal 18 November 2021 tentang Komite Pemantau
Risiko PT Bank Muamalat Indonesia Tbk dan Surat Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tentang
Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk tanggal 18 November 2021
Appointed as Member of the Risk Oversight Committee of PT Bank Muamalat Indonesia Tbk based on
the Decree of the Board of Directors No. 032/B/DIR-KPTS/XI/2021 dated November 18, 2021 on the Risk
Oversight Committee of PT Bank Muamalat Indonesia Tbk and the Decree of the Board of Directors
No. 032/B/DIR-KPTS/XI/2021 on the Risk Oversight Committee of PT Bank Muamalat Indonesia Tbk dated
November 18, 2021
Riwayat Pendidikan • Master of Applied Finance dari University of Melbourne (1999)
Educational Background • Master of Chemical Engineering dari University of Wales (1994)
• Sarjana di bidang Teknik Kimia dari Institut Teknologi Bandung (1993)
• Master of Applied Finance from the University of Melbourne (1999)
• Master of Chemical Engineering from the University of Wales (1994)
• Bachelors degree in Chemical Engineering from Institut Teknologi Bandung (1993)
Rangkap Jabatan -
Pengalaman Kerja • Direktur Keuangan BPJS Ketenagakerjaan (2017-2021)
Work Experience • Direktur Pelayanan BPJS Ketenagakerjaan (2016-2017)
• Direktur Manajemen Risiko & Kepatuhan PT Bank Mualamat Indonesia Tbk (2014-2016)
• Kepala Manajemen Risiko & Kepatuhan BRI Syariah (2012-2014)
• Kepala Commercial Credit Underwriting PT Bank Maybank Indonesia (2009-2010)
• Direktur Keuangan & Administrasi Bosowa Nusantara Motor (2001-2005)
• Finance Director of BPJS Ketenagakerjaan (2017-2021)
• Service Director of BPJS Ketenagakerjaan (2016-2017)
• Risk Management & Compliance Director of PT Bank Muamalat Indonesia Tbk (2014-2016)
• Head of Risk Management & Compliance of BRI Syariah (2012-2014)
• Head of Commercial Credit Underwriting of PT Bank Maybank Indonesia (2009-2010)
• Finance & Administrative Director of Bosowa Nusantara Motor (2001-2005)
Pengendali
Has no affiliation, either in terms of financial or kinship, with members of the Board of Commissioners,
members of the Board of Directors, and Major or Controlling Shareholders
Kualifikasi Pihak independen yang memiliki keahlian dalam bidang perbankan/keuangan syariah
Qualification An independent party with expertise in sharia banking/finance

2021 Annual Report
Dedi Sopyan
Anggota
Member

Citizenship
Domisili Jakarta
Domicile
Dasar Hukum Pengangkatan Diangkat menjadi Anggota Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk berdasarkan Surat
Legal Basis of Appointment Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tentang Komite Pemantau Risiko PT Bank Muamalat
Indonesia Tbk tanggal 18 November 2021
Appointed as Member of the Risk Oversight Committee of PT Bank Muamalat Indonesia Tbk based on the
Decree of the Board of Directors No. 032/B/DIR-KPTS/XI/2021 on the Risk Oversight Committee of PT Bank
Muamalat Indonesia Tbk dated 18 November 2021
Riwayat Pendidikan • Doktor Manajemen Bisnis Institut Pertanian Bogor (2016-sekarang)
Educational Background • Magister Manajemen Strategis dan Manajemen Keuangan Universitas Gadjah Mada (2013)
• Sarjana Teknik Industri Universitas Indonesia (2003)
• Doctor of Business Management from Institut Pertanian Bogor (2016 – present)
• Master of Strategic Management and Finance Management from the University of Gadjah Mada (2013)
• Bachelors Degree in Industrial Engineering from the University of Indonesia (2003)
Rangkap Jabatan -
Pengalaman Kerja • Anggota Komite Audit Dewan Komisaris di PT Kriling Berjangka Indonesia (Persero) hingga tahun 2021.
Work Experience • Anggota Komite Pemantau Risiko Dewan Pengawas di BPJS Kesehatan (2014-2017)
• Anggota Komite Audit – Dewan Komisaris pada tahun 2014 di PT Bio Farma (Persero)
• Anggota Komite Pemantau Risiko - Dewan Komisaris pada tahun 2013
• Member of the Audit Committee of the Board of Commissioners at PT Kriling Berjangka Indonesia
(Persero) until 2021.
• Member of the Risk Monitoring Committee of the Supervisory Board at BPJS Kesehatan (2014 – 2017)
• Member of the Audit Committee – Board of Commissioners in 2014 at PT Bio Farma (Persero)
• Member of the Risk Monitoring Committee - Board of Commissioners in 2013
Pengendali
Kualifikasi Pihak independen yang memiliki keahlian dalam bidang manajemen risiko dan audit
Qualification An independent party with expertise in risk management and audit

Dece Kurniadi
Anggota
Member

Citizenship
Domisili Jakarta
Domicile
Dasar Hukum Pengangkatan Diangkat menjadi Anggota Komite Pemantau Rsiko PT Bank Muamalat Indonesia Tbk berdasarkan Surat
Legal Basis of Appointment Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 tanggal 18 November 2021 tentang Komite Pemantau
Risiko PT Bank Muamalat Indonesia Tbk
Appointed as Member of the Risk Oversight Committee of PT Bank Muamalat Indonesia Tbk based on the
Decree of the Board of Directors No. 032/B/DIR-KPTS/XI/2021 on the Risk Oversight Committee of PT Bank
Muamalat Indonesia Tbk dated 18 November 2021
Riwayat Pendidikan • Magister Manajemen Bidang Keuangan Syariah Universitas Indonesia (2011-2013)
Educational Background • Sarjana Hukum, Universitas Islam Indonesia (1990-1995)
• Master of Management in Sharia Finance from the University of Indonesia (2011-2013)
• Bachelor of Law, Islam University of Indonesia (1990-1995)
Rangkap Jabatan -
Pengalaman Kerja • Branch Manager di Bank Muamalat Indonesia tahun 2006
Work Experience • Associate Partner di Konsultan Perbankan Syariah di “SHG-SAM & Rekan”
• Associate Partner di Islamic Finance Initiative
• Dosen Program Vokasi Administrasi Keuangan dan Perbankan di Universitas Indonesia
• Dosen beberapa mata kuliah Perbankan Syariah di Politeknik Negeri Jakarta
• Anggota dan Instruktur di Lembaga Pengembangan Perbankan Indonesia – BI
• Commissioners dan Finance Advisor di PT Wichindo Pratama Balikpapan
• Instruktur di Muamalat Institute
• Anggota POKJA IPMP Komite Ekonomi dan Industri Nasional
• Branch Manager at Bank Muamalat Indonesia in 2006
• Associate Partner at the Sharia Banking Consultant “SHG-SAM & Rekan”
• Associate Partner at Islamic Finance Initiative
• Lecturer on Financial and Banking Administration Vocational Program at the University of Indonesia
• Lecturer of several Sharia Banking courses at Politeknik Negeri Jakarta
• Member and Instructor at Indonesian Banking Development Institute - BI
• Commissioner and Finance Advisor at PT Wichindo Pratama Balikpapan
• Instructor at Muamalat Institute
• Member of POKJA IPMP of the National Economic and Industry Committee
Pengendali
Kualifikasi Pihak independen yang memiliki keahlian dalam bidang perbankan/keuangan syariah
Qualification An independent party with expertise in sharia banking/ finance
INDEPENDENSI KOMITE PEMANTAU INDEPENDENCE OF THE RISK OVERSIGHT

RISIKO COMMITTEE
Anggota Komite Pemantau Risiko yang berasal dari Members of the Risk Oversight Committee who are
pihak independen dituntut untuk dapat profesional dan independent parties are required to be professional and
independen dalam melaksanakan fungsi dan tugasnya. Hal independent in carrying out their functions and duties.
itu memiliki arti pelaksanaan tugasnya tanpa campur tangan This means, carrying out their duties without interference
dari pihak mana pun yang tidak sesuai dengan peraturan from any party that is not in accordance with the laws and
perundang-undangan. regulations.

2021 Annual Report
Aspek Independensi
Evi Afiatin Dece Kurniadi Dedi Sopyan
Independence Aspect
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi √ √ √
Has no financial relationship with the Board of Commissioners and Board of Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun √ √ √
perusahaan afiliasi
Has no management relationship in the Company, its subsidiaries, or affiliated
companies
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun √ √ √
perusahaan afiliasi
Has no management relationship in the Company, its subsidiaries, or affiliated
companies
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama √ √ √
anggota Komite Nominasi, Remunerasi dan GCG
Has no family relations with the Board of Commissioners, Board of Directors, and/or
fellow members of the Nomination, Remuneration Committee and GCG Committee
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah √ √ √
Does not serve as a manager of political parties, officials, and government
Dalam hal pembuktian independensi, anggota Komite In terms of proving independence, members of the Bank’s
Pemantau Risiko Bank tidak memiliki hubungan keluarga Risk Oversight Committee do not have family or financial
maupun hubungan keuangan, baik langsung maupun tidak relations, either directly or indirectly, relating to the Bank’s
langsung yang berkaitan dengan kegiatan usaha Bank. business activities.

Hubungan
Dewan Dewan
Evi Afiatin Anggota √ √ √ √ √ √ √
Member
Dece Anggota √ √ √ √ √ √ √
Kurniadi*) Member
Dedi Anggota √ √ √ √ √ √ √
Sopyan Member
*)
Tidak menjabat sebagai anggota komite Pemantau Risiko sejak tanggal 18 November 2021
Does not serve as member of the Risk Oversight Committee since November 18, 2021
RAPAT KOMITE PEMANTAU RISIKO RISK OVERSIGHT COMMITTEE MEETING

Bank mengatur rapat Komite Pemantau Risiko Bank The Bank stipulates that Bank Muamalat Indonesia’s Risk
Muamalat Indonesia diselenggarakan sedikitnya 1 (satu) kali Oversight Committee meetings are be held at least 1 (one)
dalam 2 (dua) bulan. Sebagaimana Piagam Komite Pemantau time in 2 (two) months. In compliance with the Risk Oversight
Risiko, rapat dapat dinyatakan sah apabila dihadiri oleh Committee Charter, a meeting can be declared valid if
lebih dari ½ (satu per dua) dari jumlah keseluruhan anggota attended by more than ½ (one half) of the total members of
Komite Pemantau Risiko. the Risk Oversight Committee.
Hasil rapat Komite Pemantau Risiko wajib dituangkan ke The results of the Risk Oversight Committee meeting
dalam risalah rapat dan didokumentasikan dengan baik, must be written into the minutes of the meeting and well
termasuk apabila terdapat perbedaan pendapat (dissenting documented, including any dissenting opinions, which are
opinion), yang ditandatangani oleh seluruh anggota Komite signed by all members of the Risk Oversight Committee who
Pemantau Risiko yang hadir dan disampaikan kepada Dewan are present and submitted to the Board of Commissioners.
Komisaris.


Sepanjang tahun buku 2021, Komite Pemantau Risiko During the 2021 fiscal year, the Risk Oversight Committee
menggelar rapat sebanyak 8 (delapan) kali. held 8 (eight) meetings.

No
1 24 Februari 2021 1. Profil risiko per Desember 2020 • Edy Setiadi
February 24, 2021 Risk profile as of December 2020 • Dece Kurniadi
2. Pengembangan organisasi Manajemen Risiko dan Komite Manajemen Risiko
Organizational development of Risk Management and Risk Management
Committee
3. Risk Management Committee Report 2020
2020 Risk Management Committee Report
2 24 Maret 2021 1. Pembiayaan ProHajj • Edy Setiadi
March 24, 2021 ProHajj financing • Ilham A. Habibie
2. Disaster Recovery Center, Application of Trade Finance and Muamalat DIN • Dece Kurniadi
Disaster Recovery Center, Application of Trade Finance and Muamalat DIN
3 30 April 2021 1. Update portofolio pembiayaan • Edy Setiadi
April 30, 2021 Financing portfolio update • Ilham A. Habibie
2. Bad Bank Update • Dece Kurniadi
Bad Bank Update • Evi Afiatin
3. Target Market and RAC Segment Wholesale
Target Market and RAC Segment Wholesale
4 14 Juni 2021 1. Financing Portfolio Update • Edy Setiadi
June 14, 2021 Financing Portfolio Update • Ilham A. Habibie
2. Bad Bank Update • Dece Kurniadi
Bad Bank Update • Evi Afiatin
3. Target Market and RAC Segment Wholesale
Target Market and RAC Segment Wholesale
5 15 Juli 2021 Risiko kredit pada situasi pandemi • Edy Setiadi
July 15, 2021 Credit risk during the pandemic condition • Ilham A. Habibie
• Dece Kurniadi
• Evi Afiatin
6 19 Agustus 2021 1. Isu Risiko Reputasi • Edy Setiadi
August 19, 2021 Reputational Risk issues • Ilham A. Habibie
2. Pilot Project dengan OJK terkait Smart Account Opening Cross Selling • Dece Kurniadi
Pilot Project with the OJK regarding Smart Account Opening Cross Selling • Evi Afiatin
3. Strategi Pengembangan SDM untuk Memitigasi Risiko Operasional dan Risiko
Stratejik
HR Development Strategy to Mitigate Operational Risk and Strategic Risk
7 15 Oktober 2021 1. Profil Risiko Hukum BMI • Edy Setiadi
October 15, 2021 Legal Risk Profile of BMI • Ilham A. Habibie
2. Profil Risiko Kepatuhan BMI • Dece Kurniadi
Compliance Risk Profileof BMI • Evi Afiatin
3. Profil Risiko Stratejik
Strategic Risk Profile
8 8 Desember 2021 Profil Risiko per 30 September 2021 • Edy Setiadi
December 8, 2021 Risk Profile as of September 30, 2021 • Ilham A. Habibie
• Dece Kurniadi
• Evi Afiatin
Tingkat Kehadiran Rapat Meeting Attendance Rate

Meetings Attendance
1 Edy Setiadi Ketua 8 8 100%
Chairman
2 Ilham A. Habibie Anggota 8 7 88%
Member
3 Evi Afiatin Anggota 6 6 100%
Member
4 Dedi Sopyan Anggota 1 1 100%
Member
5 Dece Kurniadi*) Anggota 7 7 100%
Member
*)
Tidak menjabat sebagai anggota komite Pemantau Risiko sejak tanggal 18 November 2021
Does not serve as member of the Risk Oversight Committee since November 18, 2021

2021 Annual Report

Bank senantiasa mendorong Komite Pemantau Risiko untuk The Bank continuously encourages the Risk Oversight
melakukan pengembangan kompetensi melalui pelatihan- Committee to carry out competency development through
pelatihan. Informasi lengkap mengenai hal ini disampaikan trainings. Complete information regarding this matter is
dalam bab “Profil Perusahaan”. presented in the chapter “Company Profile”.
PELAKSANAAN TUGAS KOMITE DUTY IMPLEMENTATION OF THE RISK

PEMANTAU RISIKO OVERSIGHT COMMITTEE
Dalam rangka pelaksanaan tugas dan tanggung jawabnya In order to carry out its duties and responsibilities as
sebagai organ pendukung Dewan Komisaris, di tahun 2021 a supporting organ for the Board of Commissioners,
Komite Pemantau Risiko telah menyampaikan rekomendasi in 2021 the Risk Monitoring Committee has submitted
antara lain sebagai berikut: recommendations, including the following:
1. Disiapkan perangkat mitigasi risiko untuk implementasi 1. Prepared risk mitigation tools for the implementation of
layanan perbankan digital, termasuk perangkat di digital banking services, including devices in the second
lini pertahanan kedua dan ketiga serta dipastikan and third lines of defense and ensured DC management
pengelolaan DC sehubungan dengan adanya in connection with the development of digitalization in
perkembangan digitalisasi di industri perbankan. the banking industry.
2. Perlu dilakukan kajian untuk melihat pengaruh 2. It is necessary to conduct a study to see the effect of
digitalisasi terhadap perubahan jumlah rekening yang digitization on changes in the number of accounts held
dimiliki per nasabah. per customer.
3. Agar dikembangkan program untuk meningkatkan 3. To develop programs to improve the competence of
kompetensi sumber daya manusia terkait risiko melalui human resources related to risk through other media
media lain seperti podcast. such as podcasts.
4. Dokumentasi pembiayaan agar menjadi perhatian 4. Documentation of financing to be a concern considering
mengingat kelengkapan dokumentasi dapat the completeness of the documentation can affect the
mempengaruhi proses eksekusi agunan. process of execution of the collateral.
5. Bank agar berpartisipasi sehubungan dengan rencana 5. Banks to participate in connection with the IT audit
pelaksanaan pelatihan IT audit yang dilaksanakan oleh training implementation plan carried out by FSA.
OJK.
6. Agar ditingkatkan kemampuan karyawan terkait aspek 6. In order to improve the ability of employees related to
legal dan kemampuan melakukan komunikasi. legal aspects and the ability to communicate.
7. Bank agar melakukan kajian rencana target bisnis yang 7. Banks are required to review business target plans that
selaras dengan target G-20. are in line with the G-20 targets.
8. Ketentuan regulator mengenai arbitrase yang 8. Regulatory provisions regarding arbitration organized by
diselenggarakan oleh Basyarnas agar dapat diikuti. Basyarnas so that they can be followed.
9. Temuan audit regulator agar dikaji berdasarkan kriteria 9. Regulatory audit findings should be reviewed based on
fundamental dan tidak fundamental, serta berulang atau fundamental and non-fundamental criteria, as well as
merupakan temuan baru. repeated or new findings.
10. Dilakukan analisis peers terkait produk dan sistem cash 10. Peer analysis is carried out regarding products and cash
management. management systems.
11. Agar diselaraskan antara konsep pengembangan SDM 11. To harmonize the concept of HR development that has
yang telah ditentukan dengan implementasi/praktik been determined with the implementation/practice in
di lapangan untuk meminimalkan gap yang terjadi, the field to minimize the gaps that occur, for example
misalnya dengan menggunakan informasi dari temuan by using information from internal and external audit
audit intern dan ekstern, mistery shopper atau roleplay findings, mystery shopper or roleplay training.
training.
12. Dalam rangka proses Kerja sama dengan bancassurance 12. In the framework of the Cooperation process with
agar dilakukan kajian mendalam atas dampak kerja bancassurance, an in-depth study should be conducted
sama antara Bank dengan pihak asuransi terutama dari on the impact of cooperation between the Bank and the
aspek bisnis. insurance company, especially from the business aspect.
13. Terkait upaya perbaikan peringkat profil risiko agar 13. Regarding efforts to improve the risk profile rating so that
dikomunikasikan kepada Otoritas Jasa Keuangan bahwa it is communicated to the Financial Services Authority
peringkat risiko Bank dapat dinilai lebih baik. that the Bank’s risk rating can be assessed as better.


Komite Tata Kelola Perusahaan

Corporate Governance Committee
Dewan Komisaris membentuk Komite Tata Kelola The Board of Commissioners established the Corporate
Perusahaan untuk membantu pelaksanaan pengawasan Governance Committee to assist the implementation of
dan evaluasi terhadap penyelenggaraan Tata Kelola yang supervision and evaluation on the implementation of
baik dalam setiap aktivitas usaha Bank pada seluruh jenjang Governance in each of the Bank’s business activities at all
atau tingkatan organisasi. ranks or levels of the organization.

Pembentukan Komite Tata Kelola Perusahaan oleh Bank The establishment of the Corporate Governance Committee
mengacu pada peraturan perundang-undangan sebagai by the Bank refers to the following laws and regulations:
berikut: 1. Bank Indonesia Regulation No. 11/33/PBI/2009 dated 7
1. Peraturan Bank Indonesia No. 11/33/PBI/2009 tanggal December 2009 on Implementation of Good Corporate
7 Desember 2009 tentang Pelaksanaan Good Corporate Governance for Sharia Commercial Banks and Sharia
Governance bagi Bank Umum Syariah dan Unit Usaha Business Units.
Syariah.
2. Surat Edaran Bank Indonesia No. 12/13/DPBS tanggal 2. Circular Letter of Bank Indonesia No. 12/13/DPBS dated
3. Anggaran Dasar Bank tentang tugas dan wewenang 3. The Bank’s Articles of Association regarding the duties
Dewan Komisaris. and authorities of the Board of Commissioners.

PEDOMAN KERJA/PIAGAM KOMITE TATA CORPORATE GOVERNANCE COMMITTEE
KELOLA PERUSAHAAN CHARTER
Komite Tata Kelola Perusahaan Bank Muamalat Indonesia The Corporate Governance Committee of Bank Muamalat
memiliki piagam sebagai panduan dalam menjalankan Indonesia has established a charter as a guideline in
perannya, yang mengatur prinsip-prinsip Good Corporate carrying out its role, which regulates GCG principles,
Governance, struktur dan keanggotaan, persyaratan structure and membership, membership requirements,
keanggotaan, masa tugas, tugas dan tanggung jawab, term of office, duties and responsibilities, authorities,
wewenang, tata cara dan prosedur penyelenggaraan rapat procedures for holding meetings and reporting to the
serta pelaporan kepada Dewan Komisaris. Piagam Komite Board of Commissioners. The Charter of the Committee
terakhir dimutakhirkan pada tanggal 19 September 2017 dan was last updated on 19 September 2017 and is still relevant
masih relevan sampai saat ini serta akan terus diperbarui today and will continue to be updated in accordance with
sesuai dengan perkembangan regulasi yang berlaku serta developments in applicable regulations and the latest
kondisi terkini dari Bank. conditions of the Bank.
KRITERIA ANGGOTA KOMITE TATA MEMBERSHIP CRITERIA OF THE

KELOLA PERUSAHAAN CORPORATE GOVERNANCE COMMITTEE
Kriteria keanggotaan keanggotaan Komite Tata Kelola The membership criteria of the Corporate Governance
Perusahaan untuk anggota yang merupakan Komisaris Committee for members who are Independent
Independen dan pihak independen telah diatur oleh Bank, Commissioners and independent parties have been
yang juga telah dituangkan ke dalam Piagam Komite Tata regulated by the Bank, which has also been stated in the
Kelola Perusahaan Kriteria tersebut di antaranya: Corporate Governance Committee Charter, including:
1. Wajib berintegritas dan memiliki reputasi keuangan yang 1. Must have integrity and have a good financial reputation.
baik. 2. Must have the ability, knowledge, experience in
2. Wajib memiliki kemampuan, pengetahuan, pengalaman accordance with the field of work, and able to
sesuai dengan bidang pekerjaannya, serta mampu communicate well.
berkomunikasi dengan baik.
3. Wajib mematuhi kode etik yang ditetapkan oleh Bank. 3. Must comply with the code of conduct established by the
Bank.

2021 Annual Report
4. Bersedia meningkatkan kompetensi secara terus 4. Willing to improve competence continuously through
menerus melalui pendidikan dan pelatihan. education and training.
5. Bukan merupakan orang dalam Kantor Akuntan Publik, 5. Not a person in a Public Accounting Firm, Legal Consulting
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik Firm, Public Appraisal Service Firm or any other party that
atau pihak lain yang memberi jasa assurance, jasa provides assurance, non-assurance services, appraisal
non-assurance, jasa penilai dan/atau jasa konsultasi services and/or other consulting services to the Issuer or
lain kepada Emiten atau Perusahaan Publik yang Public Company within 6 (six) times last month.
bersangkutan dalam waktu 6 (enam) bulan terakhir.
memimpin, mengendalikan, atau mengawasi kegiatan Bank’s activities within the last 6 (six) months, except for
Bank dalam waktu 6 (enam) bulan terakhir kecuali an Independent Commissioner.
Komisaris Independen.
7. Tidak mempunyai saham langsung maupun tidak 7. Does not have direct or indirect shares in Bank Muamalat
langsung pada Bank Muamalat Indonesia. Indonesia.
8. Tidak mempunyai hubungan Afiliasi dengan anggota 8. Has no affiliation with members of the Board of
Dewan Komisaris, anggota Direksi, atau Pemegang Commissioners, members of the Board of Directors, or
Saham Utama Bank Muamalat Indonesia. Major Shareholders of Bank Muamalat Indonesia.
maupun tidak langsung yang berkaitan dengan kegiatan related to the business activities of Bank Muamalat
usaha Bank Muamalat Indonesia. Indonesia.

Berikut adalah tugas dan tanggung jawab Komite Tata Kelola The following are the duties and responsibilities of the
Perusahaan yang telah diatur oleh Bank. Corporate Governance Committee that have been set by the
Bank.
1. Melakukan evaluasi atas struktur, kerangka tata 1. Evaluating the structure, governance framework and
kelola dan kebijakan Good Corporate Governance Bank Good Corporate Governance policies of Bank Muamalat
Muamalat Indonesia. Indonesia.
2. Memastikan pelaksanaan kebijakan Good Corporate 2. Ensuring the implementation of Good Corporate
Governance dalam kegiatan Bank Muamalat Indonesia. Governance policies in the activities of Bank Muamalat
Indonesia.
3. Melakukan kajian dan menilai prinsip-prinsip 3. Reviewing and assessing the principles of Good
pelaksanaan Good Corporate Governance Bank Corporate Governance implementation of Bank
Muamalat Indonesia secara berkala dan menyampaikan Muamalat Indonesia on a regular basis and submit
rekomendasi perbaikan kepada Dewan Komisaris. recommendations for improvements to the Board of
Commissioners.
4. Menyampaikan laporan kepada Dewan Komisaris 4. Submit reports to the Board of Commissioners on
kegiatan Bank yang tidak sesuai dengan pelaksanaan Bank activities that are not in accordance with the
Good Corporate Governance. implementation of Good Corporate Governance.
5. Melakukan kajian atas laporan Self-Assessment Good 5. Review the Good Corporate Governance Self-
Corporate Governance dan laporan tahunan Good Assessment report and the Good Corporate Governance
Corporate Governance yang diterbitkan oleh Bank annual report published by Bank Muamalat Indonesia to
Muamalat Indonesia guna memastikan transparansi dan ensure the transparency and accuracy of the report and
akurasi laporan serta merekomendasikan perbaikan recommend improvements to the Board of Directors.
kepada Direksi.
6. Menyampaikan rekomendasi dalam rangka pemberian 6. Delivering recommendations in the context of endorsing
endorsement Dewan Komisaris atas laporan Good the Board of Commissioners on the Good Corporate
Corporate Governance dan kebijakan Good Corporate Governance reports and Good Corporate Governance
Governance Bank Muamalat Indonesia. policies of Bank Muamalat Indonesia.
7. Menyusun dan memutakhirkan piagam Komite Tata 7. Periodically prepare and update the Governance
Kelola secara berkala. Committee charter.
8. Menjaga kerahasiaan seluruh dokumen, data dan 8. Maintain the confidentiality of all documents, data and
informasi Bank Muamalat Indonesia. information of Bank Muamalat Indonesia.

WEWENANG KOMITE TATA KELOLA AUTHORITIES OF THE CORPORATE

PERUSAHAAN GOVERNANCE COMMITTEE
Komite Tata Kelola Perusahaan Bank Muamalat Indonesia The Corporate Governance Committee of Bank Muamalat
juga memiliki wewenang di samping tugas dan tanggung Indonesia also has the authority in addition to its duties and
jawabnya, sebagaimana diatur dalam Piagam Komite Tata responsibilities, as stipulated in the Corporate Governance
Kelola Perusahaan, yakni: Committee Charter, namely:
1. Diperbolehkan mengakses dokumen, data, dan informasi 1. Can access Bank documents, data and information
Bank tentang karyawan, dana, aset, dan sumber daya regarding the Bank’s employees, funds, assets, and
Bank yang diperlukan. required resources.
2. Diperbolehkan berkomunikasi langsung dengan 2. Can communicate directly with employees, including
karyawan, termasuk Direksi dan pihak-pihak lain yang the Board of Directors and other parties related to the
berkaitan dengan tugas dan tanggung jawab Komite Tata duties and responsibilities of the Corporate Governance
Kelola Perusahaan. Committee.
3. Diperbolehkan melibatkan pihak independen di luar 3. May involve independent parties other than members of
anggota Komite Tata Kelola Perusahaan yang diperlukan the Corporate Governance Committee who are needed
untuk membantu pelaksanaan tugasnya. to assist in carrying out their duties.
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Exercise other authorities granted by the Board of

Masa tugas anggota Komite Tata Kelola Perusahaan tidak The term of office of members of the Corporate Governance
boleh lebih lama dari masa jabatan Dewan Komisaris. Committee must not be longer than the term of office of the
Anggota Komite dapat dipilih kembali hanya untuk satu Board of Commissioners. Committee members can be re-
periode berikutnya. elected for only one subsequent term.

KOMITE TATA KELOLA PERUSAHAAN APPOINTMENT OF THE CORPORATE
GOVERNANCE COMMITTEE
Hingga berakhirnya tahun buku 2021, komposisi Komite Up to the end of the 2021 fiscal year, the composition of
Tata Kelola Perusahaan Bank Muamalat Indonesia the Bank Muamalat Indonesia’s Corporate Governance
berjumlah 3 (tiga) orang. Berikut adalah susunan dan dasar Committee consisted of 3 (three) people. The following is the
pengangkatannya. composition and basis for their appointment.

Edy Setiadi Ketua Surat Keputusan Direksi No. 003/B/DIR-KPTS/IV/2020 tentang Komite Komisaris Independen
Chairman Tata Kelola Perusahaan PT Bank Muamalat Indonesia Tbk tanggal 8 Independent Commissioner
April 2020
Decree of the Board of Directors No. 003/B/DIR-KPTS/IV/2020 on the
Corporate Governance Committee of PT Bank Muamalat Indonesia
Tbk dated 8 April 2020
Mohamed Hedi Anggota Surat Keputusan Direksi No. 003/B/DIR-KPTS/IV/2020 tentang Tata Komisaris
Mejai*) Member Kelola Perusahaan PT Bank Muamalat Indonesia Tbk tanggal 8 April Commissioner
2020
Dece Kurniadi Anggota Surat Keputusan Direksi No. 003/B/DIR-KPTS/IV/2020 tentang Komite Pihak Independen
Member Tata Kelola Perusahaan PT Bank Muamalat Indonesia Tbk tanggal 8 Independent Party
April 2020
*)
Has not effectively served as Commissioner and was dismissed as a member of the Board of Commissioners through the EGMS on 28 February 2022

2021 Annual Report
PROFIL KOMITE TATA KELOLA CORPORATE GOVERNANCE COMMITTEE

PERUSAHAAN PROFILE
Berikut adalah profil Komite Tata Kelola Perusahaan Bank The following is the profile of Bank Muamalat Indonesia’s
Muamalat Indonesia. Corporate Governance Committee.
Edy Setiadi
Ketua
Chairman
Profile”.
Mohamed Hedi Mejai

Anggota
Member
Profile”.
Dece Kurniadi
Anggota
Member
Profil lengkap disajikan pada Sub Bab “Komite Pemantau The full profile is presented in the “Risk Oversight Committee”
Risiko”. Sub-Chapter.

RAPAT KOMITE TATA KELOLA CORPORATE GOVERNANCE COMMITTEE

PERUSAHAAN MEETING

Bank mengatur rapat Komite Tata Kelola Perusahaan Bank The Bank established that Bank Muamalat Indonesia’s
Muamalat Indonesia diselenggarakan sedikitnya 1 (satu) Corporate Governance Committee meetings are held at least
kali dalam 6 (enam) bulan. Rapat dapat dinyatakan sah 1 (one) time in 6 (six) months. Meetings can be declared valid
apabila dihadiri oleh lebih dari ½ (satu per dua) dari jumlah if attended by more than ½ (one half) of the total members
keseluruhan anggota Komite Tata Kelola Perusahaan, yang of the Corporate Governance Committee, which is regulated
diatur dalam Piagam Komite Tata Kelola Perusahaan. in the Corporate Governance Committee Charter.
Hasil rapat Komite Tata Kelola Perusahaan wajib dituangkan The results of the Corporate Governance Committee meeting
ke dalam risalah rapat dan didokumentasikan dengan baik, must be written into the minutes of the meeting and well
termasuk apabila terdapat perbedaan pendapat (dissenting documented, including any dissenting opinions, which
opinion), yang ditandatangani oleh seluruh anggota Komite are signed by all members of the Corporate Governance
Tata Kelola Perusahaan yang hadir dan disampaikan kepada Committee who are present and submitted to the Board of
Dewan Komisaris. Commissioners.

Sepanjang tahun buku 2021, Komite Tata Kelola Perusahaan During the 2021 fiscal year, the Corporate Governance
menggelar rapat sebanyak 2 (dua) kali dengan rincian Committee held 2 (two) meetings with the following details.
sebagai berikut.

No.
1 8 April 2021 Profil GCG & tindak lanjut rapat komite GCG Edy Setiadi
8 April 2021 Moh Hedi Mejai*)
Dece Kurniadi
2 15 Desember 2021 GCG Review aspek Structure Edy Setiadi
15 December 2021 Moh Hedi Mejai*)
*)
Tingkat Kehadiran Rapat Meeting Agenda and Participants

Meetings Attendance
1 Edy Setiadi Ketua 2 2 100%
Chairman
2 Mohamed Hedi Mejai*) Anggota 2 2 100%
Member
3 Dece Kurniadi Anggota 1 1 100%
Member
*)

Bank senantiasa mendorong Komite Tata Kelola Perusahaan The Bank continuously encourages the Corporate Governance
untuk melakukan pengembangan kompetensi melalui Committee to carry out competency development through
pelatihan-pelatihan. Informasi lengkap mengenai hal ini trainings. Complete information regarding this matter is
disampaikan dalam bab “Profil Perusahaan”. presented in the chapter “Company Profile”.

2021 Annual Report
PELAKSANAAN TUGAS KOMITE TATA DUTY IMPLEMENTATION OF THE

KELOLA PERUSAHAAN CORPORATE GOVERNANCE COMMITTEE
Sepanjang tahun 2021, Komite Tata Kelola Perusahaan telah During 2021, the Corporate Governance Committee has
memberikan rekomendasi dalam rangka memenuhi tugas provided recommendations in order to fulfill its duties
dan tanggung jawabnya sebagai organ pendukung Dewan and responsibilities as a supporting organ for the Board of
Komisaris dengan rincian sebagai berikut: Commissioners with the following details:
1. Memberi masukan agar Bank mengantisipasi terhadap 1. Provide input to ensure that the Bank anticipates GCG
monitoring GCG di era globalisasi monitoring in the globalization age
2. Memberi masukan agar diselenggarakan Webinar GCG 2. Provide input to hold GCG Webinars for the Board of
untuk Direksi dan Dewan Komisaris Directors and Board of Commissioners
3. Melakukan review keanggotaan komite level Dewan 3. Reviewing the membership of the Board of
Komisaris Commissioners level committees
4. Memberi masukan agar Bank memastikan 4. Provide input so that the Bank ensures dissenting
terkait dissenting opinion dalam rapat-rapat telah opinions in meetings have been properly documented.
didokumentasikan dengan baik.
5. Memberikan masukan agar proses persetujuan calon 5. Provide input to ensure that the approval process for
anggota DPS diproses secara proper. prospective SSB members is processed properly.
6. Memberikan masukan agar Bank memastikan rangkap 6. Provide input so that the Bank ensures that concurrent
jabatan anggota DPS sesuai ketentuan termasuk calon positions of SSB members is in accordance with the
anggota DPS yang baru. provisions, including candidates of new SSB members.
7. Memberikan masukan agar manajemen terus berupaya 7. Provide input to ensure that management continues to
agar rating GCG dapat meningkat. strive in order to increase the GCG rating.

Komite di Bawah Direksi

Committees under the Board of Directors
Mengacu pada Surat Keputusan Direksi No. 021/B/DIR- Referring to the Decree of the Board of Directors No. 021/B/
KPTS/VIII/2018 tentang Penyempurnaan Struktur Organisasi DIR-KPTS/VIII/2018 regarding the Improvement of the
Muamalat Indonesia, Direksi Bank Muamalat Indonesia Muamalat Indonesia Organizational Structure, the Directors
membentuk 4 (empat) Komite Eksekutif yang dipimpin of Bank Muamalat Indonesia form 4 (four) Executive
langsung oleh Direktur Utama dan/atau Direktur terkait, Committees which are led directly by the President Director
yaitu sebagai berikut: (Dirut) and/or related Directors, namely as follows:
1. Komite Pengarah Teknologi Informasi 1. Information Technology Steering Committee
2. Komite Aset dan Liabilitas 2. Asset and Liability Committee
3. Komite Manajemen Risiko 3. Risk Management Committee
4. Komite Sumber Daya Manusia 4. Human Capital Committee

Komite Pengarah Teknologi Informasi

Information Technology Steering Committee
Direksi membentuk Komite Pengarah Teknologi Informasi The Board of Directors established the Information
dengan tujuan membantu tugas Direksi dalam memastikan Technology Steering Committee with the aim of assisting
strategi Teknologi Informasi yang telah ditetapkan sejalan the Board of Directors in ensuring that the Information
dengan strategi Bank dalam mencapai tujuan bisnis dan Technology strategy that has been set is in line with the
operasional Bank. Bank’s strategy in achieving the Bank’s business and
operational objectives.

Pembentukan Komite Pengarah Teknologi Informasi The establishment of the Information Technology Steering
Bank Muamalat Indonesia berlandas pada peraturan Committee of Bank Muamalat Indonesia is based on the
perundangan-undangan, yaitu Peraturan Otoritas Jasa laws and regulations, namely the Financial Services Authority
Keuangan No. 38/POJK.03/2016 tanggal 1 Desember 2016 Regulation No. 38/POJK.03/2016 dated 1 December 2016
tentang Penerapan Manajemen Risiko dalam Penggunaan on Implementation of Risk Management in the Use of
Teknologi Informasi oleh Bank Umum serta Piagam Komite Information Technology by Commercial Banks as well as the
Pengarah Teknologi Informasi Bank Muamalat Indonesia. Charter of the Information Technology Steering Committee
of Bank Muamalat Indonesia.
PIAGAM KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING

INFORMASI COMMITTEE CHARTER
Komite Pengarah Teknologi Informasi memiliki Piagam The Information Technology Steering Committee has
sebagai pedoman dalam menjalankan perannya, yang established a Charter as a guideline in carrying out its role,
mengatur struktur dan keanggotaan, aturan dasar, which regulates the structure and membership, basic rules,
wewenang dan tanggung jawab, waktu kerja dan pelaporan. authorities and responsibilities, working time and reporting.
Piagam Komite Pengarah Teknologi Informasi terakhir The Information Technology Steering Committee Charter
dikinikan pada tanggal 2 Mei 2019 dan akan terus diperbarui was last updated on 2 May 2019 and will continue to be
sesuai dengan perkembangan regulasi yang berlaku serta updated in accordance with developments in applicable
kondisi terkini dari Bank. regulations and the latest conditions of the Bank
STRUKTUR, KOMPOSISI DAN DASAR STRUCTURE, COMPOSITION, AND BASIS

PENGANGKATAN OF APPOINTMENT
Bank mengatur struktur keanggotaan Komite Pengarah The Bank regulates the membership structure of the
Teknologi Informasi Bank Muamalat Indonesia, paling Information Technology Steering Committee of Bank
tidak terdiri dari Direktur yang membawahi satuan kerja Muamalat Indonesia, consisting of at least the Director
teknologi informasi, Direktur yang membawahi satuan in charge of the information technology work unit, the
kerja manajemen risiko, pejabat tertinggi yang membawahi Director in charge of the risk management work unit, the
satuan kerja penyelenggara teknologi informasi, dan pejabat highest official in charge of the information technology
tertinggi yang membawahkan satuan kerja pengguna administration work unit, and the highest official in charge
teknologi informasi. of the information technology user work unit.

2021 Annual Report
Berikut adalah komposisi Komite Pengarah Teknologi The following is the composition of the Information
Informasi per 31 Desember 2021. Technology Steering Committee as of 31 December 2021.
Fungsi/Jabatan dalam Pelaksanaan/Pejabat

Komite dalam Organisasi Dasar Pengangkatan
Function/ Position in Officer in the Basis of Appointment
Committee Organization
Penasihat dan Direktur Utama Surat Keputusan No. 007/B/DIR/KPTS/V/2019 tentang Komite Pengarah Teknologi
Pengawas President Director Informasi
Advisor and Supervisor Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology Steering Committee
Ketua Direktur Operasi Surat Keputusan No. 007/B/DIR/KPTS/V/2019 tentang Komite Pengarah Teknologi
Chairman Operation Director Informasi
Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology Steering Committee
Wakil Ketua Direktur Kepatuhan, Surat Keputusan No. 007/B/DIR/KPTS/V/2019 tentang Komite Pengarah Teknologi
Deputy Chairman Risiko dan Hukum Informasi
Compliance, risk, and Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology Steering Committee
Legal Director
Sekretaris Head of Information Surat Keputusan No. 007/B/DIR/KPTS/V/2019 tentang Komite Pengarah Teknologi
Secretary Technology Informasi
Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology Steering Committee
Anggota • Head of Financing Surat Keputusan No. 007/B/DIR/KPTS/V/2019 tentang Komite Pengarah Teknologi
Member Operation Informasi
• Head of Retail Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology Steering Committee
Liabilities, Wealth
Management &
Digital Banking
• Head of Compliance
• Head of Integrated
Risk Management

Komite Pengarah Teknologi Informasi memiliki tugas dan The Information Technology Steering Committee has
tanggung jawab yang tertuang dalam Piagam Komite the duties and responsibilities set out in the Information
Pengarah Teknologi Informasi, yaitu sebagai berikut: Technology Steering Committee Charter, which are as follows:
Ketua dan Wakil Ketua Chairman and Deputy Chairman

1. Mengusulkan agenda untuk setiap rapat dengan 1. Propose an agenda for each meeting with input from
masukan dari anggota komite. committee members.
2. Memastikan bahwa agenda rapat dan bahan 2. Ensure that the meeting agenda and relevant discussion
pembahasan yang relevan didistribusikan kepada semua material is distributed to all committee members at least
anggota komite setidaknya satu hari kerja sebelum one working day prior to the meeting.
rapat.
3. Menjaga fokus topik pembahasan dalam rapat. 3. Maintain the focus of the discussion topics in the
meeting.
4. Memastikan rapat dimulai dan diakhiri tepat waktu. 4. Ensure meetings to start and end on time.
5. Berperan sebagai penghubung antara satuan kerja 5. Acting as a liaison between the Information Technology
Teknologi Informasi (TI) dengan satuan kerja pengguna (IT) work unit and the IT user work unit and the Board of
TI dengan Direksi Directors
Sekretaris Secretary
1. Menyiapkan dan mendokumentasikan risalah rapat dari 1. Prepare and keep the minutes of each meeting in
setiap rapat dalam format hardcopy dan/atau format hardcopy and/or in appropriate electronic format.
elektronik yang sesuai.
2. Menyediakan daftar tindakan yang perlu dibahas dan 2. Provide a list of actions that need to be discussed and
ditindaklanjuti serta dibuatkan pemaparan, penanggung followed up as well as preparing explanation, assigning
jawab dan estimasi waktu penyelesaian rapat. person in charge and setting an estimated time for
completion of the meeting.
3. Mendistribusikan risalah rapat dan daftar yang perlu 3. Distributing minutes of meetings and lists that need
ditindaklanjuti kepada seluruh anggota Komite Pengarah to be followed up to all members of the Information
Teknologi Informasi dan satuan kerja terkait. Technology Steering Committee and related work units.

Anggota Members
1. Menghadiri rapat Komite Pengarah Teknologi Informasi 1. Attend Information Technology Steering Committee
tepat waktu. meetings on time.
2. Menjaga kerahasian atas pembahasan topik yang sensitif 2. Maintain confidentiality of the discussion of sensitive
yang dibahas dalam rapat komite. topics discussed in committee meetings.
3. Menjaga kerahasiaan informasi yang bersifat rahasia 3. Maintain the confidentiality of information discussed in
yang dibahas dalam rapat. meetings.
4. Menindaklanjuti keputusan rapat Komite Pengarah 4. Follow up the decisions of the Information Technology
Teknologi Informasi. Steering Committee meeting.
5. Anggota Komite diharapkan untuk menghadiri setiap 5. Committee members are expected to attend every
pertemuan dan menginformasikan apabila tidak dapat meeting and inform the organizer if they cannot attend
hadir dalam rapat komite. committee meetings.

PROFIL KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING
INFORMASI COMMITTEE PROFILE
Profil ketua Komite Pengarah Teknologi Informasi disajikan The profile of the Chairman of the Information Technology
pada bab “Profil Perusahaan”. Steering Committee is presented in the chapter “Company
Profile”.
RAPAT KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING

INFORMASI COMMITTEE MEETING
Mengacu pada Piagam Komite Pengarah Teknologi Informasi Pursuant to the Charter of the Information Technology
Bank Muamalat Indonesia rapat Komite Pengarah Teknologi Steering Committee of Bank Muamalat Indonesia, the
Informasi harus diselenggarakan paling kurang 2 (dua) kali meetings of the Information Technology Steering Committee
dalam satu tahun. Sepanjang tahun 2021, Komite Pengarah are held at least 2 (two) times a year. During 2021, the
Teknologi Informasi telah menyelenggarakan 3 (tiga) kali Information Technology Steering Committee has held 3
rapat dengan agenda sebagai berikut. (three) meetings with the following agenda.

No.
1 24 September 2021 ITSC I: 1. Awaldi
24 September 2021 1. IT Major Initiatives 2021 2. Andri Donny
2. Realisasi Budget 2021 3. Marjuki
2021 Budget Realization 4. Demmy Rizkiadhy
a. OPEX 2021 5. Catur Andayani
b. CAPEX 2021 6. Nanang Basuki
3. Concerns to be discussed 7. Setiawan Sabri
a. Storage & Backup 8. Vinny Rika Anwar
b. DC DR Facility 9. Wang Wardhana
c. Obsolete core switch 10. Wita Hanyaori
d. Obsolete pc replacement 11. Imam Mashudi
e. Capacity Server MDIN 12. Aryo Seno
f. VISA BIN 8 digit 13. Dahnulbahri Noor
g. BI-FAST
4. Plan IT Budget 2022
2022 IT Plan Budget
a. IT OPEX 2022
b. IT CAPEX 2022
2 6 Desember 2021 IT Incident & Recovery Update: 1. Achmad Kusna Permana
6 December 2021 a. IT Incident Service Interruption Chronology 2. Awaldi
b. Root Cause 3. Hery Syafril
c. Lesson Learnt 4. Purnomo B. Soetadi
d. Propose Action Plan, short mid long term 5. Andri Donny
e. Ref IT Architecture & Txn 6. Marjuki
7. Agus Amir
8. Wang Wardhana
3 17 Desember 2021 ITSC III: 1. Awaldi
17 December 2021 1. IT Incident & Recovery Update 2. Andri Donny
2. IT Yearly DR Test Update 3. Marjuki
3. IT Major Initiatives 2021 4. Demmy Rizkiadhy
4. Realisasi Budget 2021 5. Catur Andayani
2021 Budget Realization 6. Nanang Basuki
a. OPEX 2021 7. Setiawan Sabri
b. CAPEX 2021 8. Vinny Rika Anwar
5. IT Budget & Priority CAPEX 2021 9. Esti Budiarti
a. IT OPEX 2022 10. Wita Hanyaori
b. IT CAPEX 2022 11. Dyah Ekowati
12. Imam Mashudi
13. Dahnulbahri Noor

2021 Annual Report
Asset & Liability Committee (ALCO)

Asset & Liability Committee (ALCO)
Bank membentuk Komite ALCO dengan tujuan membantu The Bank established the ALCO Committee with the aim
pelaksanaan tugas Direksi dalam memelihara struktur neraca of assisting the implementation of the Board of Directors’
yang kuat, yang meliputi analisis dan perumusan kebijakan duties in maintaining a strong balance sheet structure, which
dan strategi, pengambilan keputusan, pengawasan dalam includes analysis and formulation of policies and strategies,
pengelolaan risiko likuiditas, risiko pasar, dan permodalan decision making, supervision in the management of liquidity
sejalan dengan peraturan BI/OJK maupun strategi bisnis risk, market risk, and capital in line with BI/FSA regulations
perusahaan. and the company’s business strategy

Bank Muamalat Indonesia membentuk Komite ALCO dengan Bank Muamalat Indonesia established the ALCO Committee
mengacu pada peraturan perundangan-undangan sebagai with reference to the following laws and regulations:
berikut:
1. Peraturan Bank Indonesia No. 11/33/PBI/2009 tanggal 1. Bank Indonesia Regulation No. 11/33/PBI/2009 dated
7 Desember 2009 tentang Pelaksanaan Good Corporate December 7, 2009 on Implementation of Good Corporate
tentang Penerapan Manajemen Risiko bagi Bank Umum POJK.03/2016 on Implementation of Good Corporate
Syariah dan Unit Usaha Syariah. Governance for Sharia Commercial Banks and Sharia
Business Units.
30 April 2010 perihal Pelaksanaan Good Corporate April 30, 2010 on Implementation of Good Corporate
4. Piagam ALCO Bank Muamalat Indonesia. 4. ALCO Charter of Bank Muamalat Indonesia.
PIAGAM KOMITE ALCO ALCO COMMITTEE CHARTER

Komite ALCO memiliki Piagam sebagai pedoman dalam The ALCO Committee has established a Charter as a guide
menjalankan perannya, yang mengatur struktur dan in carrying out its role, which regulates the structure and
keanggotaan, tugas dan tanggung jawab, mekanisme membership, duties and responsibilities, the mechanism
pelaksanaan rapat, pelaporan serta sekretariat. Piagam for meetings, reporting and the secretariat. The last ALCO
Komite ALCO terakhir dikinikan pada Desember 2016 dan Committee Charter was updated in December 2016 and will
akan terus diperbarui sesuai dengan perkembangan regulasi continue to be updated in accordance with developments in
yang berlaku serta kondisi terkini dari Bank. applicable regulations and the latest conditions of the Bank.
STRUKTUR, KOMPOSISI, DAN DASAR STRUCTURE, COMPOSITION, AND BASIS

Berikut adalah komposisi keanggotaan Komite ALCO per 31 The following is the membership composition of the ALCO
Desember 2021. Committee as of December 31, 2021.
Fungsi/Jabatan dalam
Pelaksanaan/Pejabat dalam
Komite Dasar Pengangkatan
Organisasi
Function/ Position in Basis of Appointment
Officer in the Organization
Committee
Ketua Direktur Utama Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentan Asset &
Chairman President Director Liability Commmittee (ALCO) dan ALCO Support Group (ASG)
Board of Directors Decree No. 347/B/DIR/KPTS/XII/2016 on Asset &
Liability Committee (ALCO) and ALCO Support Group (ASG)
Wakil Ketua Direktur Keuangan Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentan Asset &
Deputy Chairman Finance Director Liability Commmittee (ALCO) dan ALCO Support Group (ASG)

Fungsi/Jabatan dalam
Pelaksanaan/Pejabat dalam
Komite Dasar Pengangkatan
Organisasi
Function/ Position in Basis of Appointment
Committee
Sekretaris Head of Treasury Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang Asset &
Secretary Liability Commmittee (ALCO) dan ALCO Support Group (ASG)
Anggota Tetap dengan • Chief Wholesale Banking Officer Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang Asset &
Hak Suara • Retail Banking Director Liability Commmittee (ALCO) dan ALCO Support Group (ASG)
Permanent Members with • Compliance, Risk & Legal Director Board of Directors Decree No. 347/B/DIR/KPTS/XII/2016 on Asset &
Voting Rights • Operation Director Liability Committee (ALCO) and ALCO Support Group (ASG)
• Financing Director
• Chief Human Capital Officer
Anggota Tetap Tanpa Hak • Head of Global Market Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang Asset &
Suara • Head of Consumer Financing Liability Commmittee (ALCO) dan ALCO Support Group (ASG)
Permanent Members with • Head of Special Asset Board of Directors Decree No. 347/B/DIR/KPTS/XII/2016 on Asset &
No Voting Rights Management Liability Committee (ALCO) and ALCO Support Group (ASG)
• Head of Distribution Network
Management
• Head of Integrated Risk
Management
• Head of Business Finance &
Planning
• Head of Treasury (merangkap
sekretaris Komite ALCO)
Head of Treasury (concurrently
secretary of the ALCO Committee)
Anggota Tidak Tetap • Kepala Unit Bisnis yang terkait Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang Asset &
Tanpa Hak Suara dengan materi pembahasan Liability Commmittee (ALCO) dan ALCO Support Group (ASG)
Non-Permanent Members dalam Rapat ALCO Board of Directors Decree No. 347/B/DIR/KPTS/XII/2016 on Asset &
with No Voting Rights Head of Business Units related Liability Committee (ALCO) and ALCO Support Group (ASG)
to discussion material in ALCO
Meeting
• Region Head atau Branch
Manager yang terkait dengan
materi pembahasan dalam rapat
ALCO
Region Head or Branch Manager
related to discussion material in
ALCO Meeting

ALCO memiliki tugas dan tanggung jawab yang tertuang The ALCO Committee has duties and responsibilities as
dalam Piagam ALCO, yang mencakup: established in the ALCO Charter, which include:
1. Melakukan kajian atau meninjau (review) terhadap 1. To evaluate or review the policies and strategies for
kebijakan dan strategi pengelolaan aset dan kewajiban managing the Bank’s assets and liabilities as a whole.
Bank secara keseluruhan.
2. Menyampaikan rekomendasi kepada Direksi Bank terkait 2. Submit recommendations to the Bank’s Board of
kebijakan dan strategi pengelolaan aset dan kewajiban Directors regarding policies and strategies for managing
Perseroan. the Company’s assets and liabilities.
3. Melakukan evaluasi atas implementasi/pelaksanaan 3. Evaluating the implementation/ execution of policies
kebijakan dan strategi pengelolaan aset dan kewajiban and strategies for managing assets and liabilities of
Bank dalam rangka memenuhi peraturan perundang- the Bank in order to comply with the prevailing laws
undangan yang berlaku terkait dengan pelaksanaan and regulations and in line to the implementation
prinsip kehati-hatian oleh Perseroan selaku Bank Umum of prudential principles by the Company as a Sharia
Syariah. Commercial Bank.
4. Melakukan evaluasi atas kinerja ALCO. 4. Evaluating ALCO’s performance.
PROFIL ALCO ALCO PROFILE

Profil ketua Asset & Liability Committee disajikan pada bab The profile of the Chairman of the Asset & Liability Committee
“Profil Perusahaan” . is presented in the chapter “Company Profile”.

2021 Annual Report
RAPAT ALCO ALCO MEETINGS

Mengacu pada Piagam ALCO Bank Muamalat Indonesia, Pursuant to the ALCO Charter of Bank Muamalat Indonesia,
rapat ALCO wajib diselenggarakan paling sedikit 1 (satu) the ALCO meeting are held at least 1 (one) time in a month
kali dalam satu bulan pada jadwal dan agenda yang telah on a predetermined schedule and agenda. The provisions
ditetapkan. Adapun ketentuan mengenai rapat ALCO adalah regarding the ALCO meeting are as follows:
sebagai berikut:
1. Rapat ALCO diselenggarakan berdasarkan musyawarah 1. ALCO meeting is held based on deliberation to reach
untuk mufakat consensus
2. Rapat ALCO dilaksanakan paling sedikitnya 1 (satu) kali 2. ALCO meeting is held at least 1 (one) time in 1 (one)
dalam 1 (satu) bulan pada jadwal dan agenda yang telah month on the schedule and agenda set by the ALCO
ditetapkan oleh secretaries ALCO secretary
3. Rapat ALCO didahului oleh rapat ASG. Namun, 3. The ALCO meeting is preceded by the ASG meeting.
dalam keadaan tertentu Rapat ALCO dapat langsung However, under certain circumstances, ALCO meeting
dilaksanakan tanpa didahului oleh rapat ASG dan dapat can be held immediately without being preceded by
pula dilaksanakan di luar jadwal rapat ALCO yang telah the ASG meeting and can also be held outside of ALCO
ditetapkan dengan menyesuaikan jadwal Direksi. meeting schedule that has been determined by adjusting
the schedule of the Board of Directors.
4. Setiap anggota ALCO diwajibkan untuk menghadiri 4. Each ALCO member is required to attend the ALCO
rapat ALCO. Apabila anggota ALCO berhalangan untuk meeting. If ALCO members are unable to attend the
menghadiri Rapat ALCO, maka harus diwakili oleh Senior ALCO Meeting, they must be represented by a Senior
Officer dalam subordinatnya. Officer in their subordinates.
5. Rapat ALCO hanya dapat dilaksanakan apabila dihadiri 5. ALCO meeting can only be held if attended by at least
oleh sekurang-kurangnya 50% (lima puluh persen) 50% (fifty percent) of the total members of ALCO and
dari jumlah seluruh anggota ALCO serta dihadiri oleh attended by at least two Bank Directors, consisting of the
sekurang-kurangnya dua orang Direktur Bank, yang Chairman of ALCO, or the Deputy Chairman of ALCO (if
terdiri dari Ketua ALCO, atau Wakil Ketua ALCO (jika the Chairman of ALCO unable to attend) and the Director
Ketua ALCO berhalangan hadir) dan Direktur yang in charge of the business unit.
membawahi unit bisnis.
6. Rapat ALCO dipimpin oleh Ketua ALCO atau Wakil Ketua 6. The ALCO meeting is chaired by the Chairman of ALCO
ALCO apabila Ketua ALCO berhalangan untuk menghadiri or Deputy Chairman of ALCO if the Chairman of ALCO is
rapat. unable to attend the meeting.
7. Materi rapat ALCO disiapkan oleh Sekretaris ALCO. 7. The Secretary of ALCO prepares ALCO materials.
8. Hasil keputusan rapat ALCO adalah sah jika diputuskan 8. The results of the decisions of the ALCO meeting are
oleh Anggota ALCO yang memiliki hak suara yang valid if they are decided by ALCO Members with voting
menghadiri rapat ALCO. rights and attend the ALCO meeting.
9. Setiap rapat ALCO dan hasil keputusannya dituangkan ke 9. Each ALCO meeting and the results of its decisions are
dalam risalah rapat ALCO yang dibuat dan disampaikan written into the minutes of the ALCO meeting, which is
oleh Sekretaris ALCO kepada Ketua ALCO dan Wakil prepared and submitted by the Secretary of ALCO to the
Ketua ALCO untuk ditandatangani oleh Ketua ALCO, Chairman of ALCO and the Deputy Chairman of ALCO to
Wakil Ketua ALCO dan Sekretaris ALCO untuk selanjutnya be signed by the Chairman of ALCO, Deputy Chairman of
didistribusikan oleh Sekretaris ALCO kepada unit kerja ALCO and the Secretary of ALCO for further distribution
terkait. by the Secretary of ALCO to related work units.
10. Sekretaris ALCO mengdokumentasikan seluruh 10. Secretary of ALCO documents all ALCO meeting
dokumen rapat ALCO. documents.
11. Hasil keputusan rapat ALCO yang terkait dengan 11. The results of ALCO meeting decisions related to all
seluruh unit bisnis ditindaklanjuti oleh ALCO dengan business units are followed up by ALCO by submitting
menyampaikan memorandum kepada seluruh unit a memorandum to all business units, Region Heads,
bisnis, Region Head, Branch Manager, dan Operation Branch Managers and Operations Manager and are
Manager serta diketahui oleh Direksi. Sementara hasil acknowledged by the Board of Directors. Meanwhile, the
keputusan rapat ALCO yang harus ditindaklanjuti oleh decision of the ALCO meeting which must be followed
unit bisnis terkait disampaikan melalui memorandum up by the related business unit is conveyed through a
khusus. special memorandum.

Hingga 31 Desember 20201 Komite ALCO telah As of 31 December 20201 the ALCO Committee has held 12
menyelenggarakan 12 (dua belas) kali rapat dengan agenda (twelve) meetings with the following agenda.
sebagai berikut.

No.
1 20 Januari 2021 1. Materi Integrated Risk Management (IRM) • Achmad Kusna Permana
20 January 2021 IRM Material • Hery Syafril
- Funding Trend • Andri Donny
- Current Liquidity Risk Monitoring • Avianto Istihardjo
2. Market Update • Irvan Yulian Noor
- Kondisi Ekonomi Global • Purnomo B Soetadi
Global Economic Conditions • Moh. Madina Hendrik Soe'oed
- Kondisi Ekonomi Indonesia • Moch Victor Antariksa
Indonesian Economic Conditions • Aznovri Kurniawan
3. ALM Performance • Demmy Rizkiadhy
- Bankwide Overview • Arief Budianto
- Funding Structure • Catur Andayani
- Financing Structure • Agung Prambudi
- COF & Yield Financing • Sari Suwarman
4. Liquidty Update • Erick Ermawan
- Cash Flow IDR & USD • Rizki Sabilly Firdaus
- Historis Kondisi Likuiditas BMI • Siusantyo Irawan
Historical Liquidity Condition of BMI • Marissa Widyanti
- Term Deposit Profile • Wita Hanayori
- Borrowing, SWAP & REPO Capacity • Fadilla Harika Wijaya
5. Ketentuan Spesial Nisbah IDR & USD • Prima Ekalisanti
Special Provisions for IDR & USD Ratio • Dina Novita Daulay
6. Ketentuan Pricing Counter DOC harian dan bulanan • Muhammad Lutfi
Provisions for daily and monthly DOC Pricing Counter • Wang Wardana
7. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Hafni Marfu'ah Muhidin
Special provisions for retail & wholesale CASA ratio - IDR & USD • Lia Damayanti
8. Ketentuan Back-to-Back dan Pricing Pembiayaan • Eko Dermawan
Back-to-Back and Financing Pricing Provisions • Citra Kurniawati
9. Kebijakan FTP • Chistine Ullyana
FTP Policy • Alfian K Nugraha
10. Indikator APR RORA bulan Januari 2021 • Vita Dewiyanti
APR RORA indicator in January 2021 • Ridho Gusti Hendharto
11. Pricing negosiasi wesel export, usance LC/TR/UPAS - Tetap
Pricing negotiation of export bills, usance/ LC/ TR/ UPAS – Fixed
12. Mekanisme persetujuan dropping
Dropping approval mechanism
2 27 Februari 2021 1. Market Update • Achmad Kusna Permana
27 February 2021 - Kondisi Ekonomi Global • Hery Syafril
Global Economic Conditions • Andri Donny
- Kondisi Ekonomi Indonesia • Avianto Istihardjo
Indonesian Economic Conditions • Irvan Yulian Noor
2. ALM Performance • Purnomo B Soetadi
- Bankwide Overview • Riksa Prakoso
- Funding Structure • Moh. Madina Hendrik Soe'oed
- Financing Structure • Catur Andayani
- COF & Yield Financing • Moch Victor Antariksa
3. Liquidity Update • Arief Budianto
- Cash Flow IDR & USD • Agus A. Amir
- Borrowing, SWAP & REPO Capacity • Wang Wardana
4. Ketentuan Spesial Nisbah IDR & USD • Wita Hanayori
Special Provisions for IDR & USD Ratio • Aznovri Kurniawan
5. Ketentuan Pricing Counter DOC harian dan bulanan • Astri Piesca Rini
Provisions for daily and monthly DOC Pricing Counter • Prima Ekalisanti
6. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Dina Novita Daulay
Special provisions for retail & wholesale CASA ratio - IDR & USD • Eko Dermawan
7. Ketentuan Back-to-Back dan Pricing Pembiayaan • Citra Kurniawati
Back-to-Back and Financing Pricing Provisions • Dina Novita Daulay
8. Kebijakan FTP • Fadilla Harika Wijaya
FTP Policy • Muhammad Lutfi
9. Indikator APR RORA bulan Februari 2021 • Marissa Widyanti
APR RORA indicator in February 2021 • Hafni Marfu'ah Muhidin
10. Pricing negosiasi wesel export, usance LC/TR/UPAS - Tetap • Lia Damayanti
Pricing negotiation of export bills, usance/ LC/ TR/ UPAS – Fixed • Alfian K Nugraha
11. Mekanisme persetujuan dropping • Vita Dewiyanti
Dropping approval mechanism • Ridho Gusti Hendharto
• Maulati Mushafi

2021 Annual Report

No.
3 24 Maret 2021 1. Materi IRM • Achmad Kusna Permana
24 March 2021 IRM Material • Hery Syafril
- RIM Disinsentive Issue • Irvan Yulian Noor
- Liquidity Risk Stress Testing • Purnomo B Soetadi
2. Market Update • Agung Prambudi
- Kondisi Ekonomi Global • Moh. Madina Hendrik Soe'oed
Global Economic Conditions • Catur Andayani
- Kondisi Ekonomi Indonesia • Moch Victor Antariksa
Indonesian Economic Conditions • Arief Budianto
3. ALM Performance • Vinny Rika Anwar
- Bankwide Overview • Wang Wardana
- Funding Structure • Wita Hanayori
- Financing Structure • Aznovri Kurniawan
- COF & Yield Financing • Ilham Wahyudin
- Profile TD wholesale • Demmy Rizkiadhy
- Profile TD Retail • Prima Ekalisanti
- Run Off vs Disburse • Marjuki
- Update Pemenuhan Rasio ULN • Astri Piesca Rini
ULN Ratio Fulfillment Update • Citra Kurniawati
4. Liquidity Update • Teguh Nugroho
- Cash Flow IDR & USD • Erick Ermawan
- Borrowing, SWAP & REPO Capacity • Muhammad Lutfi
- Penambahan bagi hasil • Susantyo Irawan
Addition of profit sharing • Hafni Marfu'ah Muhidin
5. Ketentuan Spesial Nisbah IDR & USD • Lia Damayanti
Special Provisions for IDR & USD Ratio • Mustaqim
6. Ketentuan Pricing Counter DOC harian dan bulanan • Ardiansyah Rakhmadi
Provisions for daily and monthly DOC Pricing Counter • Hendrawan adinata
7. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Alfian K Nugraha
Special provisions for retail & wholesale CASA ratio - IDR & USD • Vita Dewiyanti
8. Ketentuan Back-to-Back dan Pricing Pembiayaan • Ridho Gusti Hendharto
Back-to-Back and Financing Pricing Provisions • Maulati Mushafi
9. Kebijakan FTP
FTP Policy
10. Indikator APR RORA bulan Maret 2021
APR RORA indicator in March 2021
4 21 April 2021 1. Materi IRM • Achmad Kusna Permana
21 April 2021 IRM Material • Hery Syafril
- Current Liquidity Risk Monitoring • Purnomo B Soetadi
- Liquidity Risk Stress Testing • Avianto Istihardjo
2. Market Update • Awaldi
- Weekly forex Update • Riksa Prakoso
- Economic Update • Irvan Yulian Noor
3. ALM Performance • Moh. Madina Hendrik Soe'oed
- Bankwide Overview • Catur Andayani
- Funding Structure • Wang Wardana
- Financing Structure • Aznovri Kurniawan
- COF & Yield Financing • Moch Victor Antariksa
- FDR • Arief Budianto
- Run Off vs Disburse • Demmy Rizkiadhy
4. Liquidity Update • Wita Hanayori
- Cash Flow IDR & USD • Citra Kurniawati
5. Ketentuan Spesial Nisbah IDR & USD • Teguh Nugroho
Special Provisions for IDR & USD Ratio • Erick Ermawan
6. Ketentuan Pricing Counter DOC harian dan bulanan • Prima Ekalisanti
Provisions for daily and monthly DOC Pricing Counter • Marissa Widyanti
7. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Lia Damayanti
Special provisions for retail & wholesale CASA ratio - IDR & USD • Christine Ullyana
8. Ketentuan Back-to-Back dan Pricing Pembiayaan • Imam Haryanto
Back-to-Back and Financing Pricing Provisions • Hafni Marfu'ah Muhidin
9. Pricing Pembiayaan • Hendrawan adinata
Financing Pricing • Vita Dewiyanti
10. Kebijakan FTP • Ridho Gusti Hendharto
FTP Policy • Maulati Mushafi


No.
5 28 Mei 2021 1. Materi IRM • Achmad Kusna Permana
28 May 2021 IRM Material • Hery Syafril
- Pemantauan Likuiditas Harian • Avianto Istihardjo
Monitoring of Daily Liquidity • Awaldi
2. Market Update • Purnomo B Soetadi
- Economic Update • Irvan Yulian Noor
- Credit Crunch • Moh. Madina Hendrik Soe'oed
- Third Party Fund • Moch Victor Antariksa
- Safe Haven Instrument • Catur Andayani
3. ALM Performance • Arief Budianto
- Bankwide Overview • Aznovri Kurniawan
- Funding Structure • Agung Prambudi
- Financing Structure • Astri Piesca Rini
- COF & Yield Financing • Wita Hanayori
- Run Off vs Disburse • Demmy Rizkiadhy
4. Liquidity Update • Prima Ekalisanti
- Cash Flow IDR & USD • Susantyo Irawan
- Borrowing, SWAP & REPO Capacity • Teguh Nugroho
5. Ketentuan Spesial Nisbah IDR & USD • Erick Ermawan
Special Provisions for IDR & USD Ratio • Lia Damayanti
6. Ketentuan Pricing Counter DOC harian dan bulanan • Hafni Marfu'ah Muhidin
Provisions for daily and monthly DOC Pricing Counter • Marissa Widyanti
7. Ketentuan Pricing Counter Bulanan IDR & USD • Vita Dewiyanti
Provisions for IDR & USD Monthly Pricing Counter • Ridho Gusti Hendharto
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Maulati Mushafi
Special provisions for retail & wholesale CASA ratio - IDR & USD
9. Usulan Penurunan Giro per Tiering
Proposed Reduction of Current Accounts per Tiering
10. Ketentuan Back-to-Back dan Pricing Pembiayaan
Back-to-Back and Financing Pricing Provisions
11. Pricing Pembiayaan
Financing Pricing
12. Kebijakan FTP
FTP Policy
14. Pricing negosiasi wesel export, usance LC/TR/UPAS – Tetap

2021 Annual Report

No.
6 24 Juni 2021 1. Materi IRM • Achmad Kusna Permana
24 June 2021 IRM Material • Andri Donny
- Funding Trend • Awaldi
- Current Liquidity Risk Monitoring • Purnomo B Soetadi
- Forex Update • Moh. Madina Hendrik Soe'oed
- Global Market Update • Moch Victor Antariksa
- Local Market Update • Catur Andayani
3. ALM Performance • Aznovri Kurniawan
- Bankwide Overview • Agung Prambudi
- Funding Structure • Agus A. Amir
- Financing Structure • Marissa Widyanti
- COF & Yield Financing • Narsemen
- Run Off vs Disburse • Marjuki
4. Liquidity Update • Astri Piesca Rini
- Cash Flow IDR & USD • Demmy Rizkiadhy
- Borrowing, SWAP & REPO Capacity • Prima Ekalisanti
5. Ketentuan Spesial Nisbah IDR & USD • Susantyo Irawan
Special Provisions for IDR & USD Ratio • Teguh Nugroho
6. Ketentuan Pricing Counter DOC harian dan bulanan • Erick Ermawan
Provisions for daily and monthly DOC Pricing Counter • Citra Kurniawati
7. Ketentuan Pricing Counter Bulanan IDR & USD • Fauzan Albanjari
Provisions for IDR & USD Monthly Pricing Counter • Muhammad Lutfi
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Vita Dewiyanti
Special provisions for retail & wholesale CASA ratio - IDR & USD • Alfian K Nugraha
9. Usulan Penurunan Giro per Tiering • Maulati Mushafi
11. Perubahan Acuan Pricing Pembiayaan
Changes in Financing Pricing Benchmark
12. Kebijakan FTP
FTP Policy
7 22 Juli 2021 1. Materi IRM • Achmad Kusna Permana
22 July 2021 IRM Material • Hery Syafril
- Forex Update • Irvan Yulian Noor
- Global Market Update • Riksa Prakoso
- Local Market Update • Moh. Madina Hendrik Soe'oed
3. ALM Performance • Moch Victor Antariksa
- Funding Structure • Aznovri Kurniawan
- COF & Yield Financing • Agus A. Amir
- Run Off vs Disburse • Marissa Widyanti
- Borrowing, SWAP & REPO Capacity • Astri Piesca Rini
Special Provisions for IDR & USD Ratio • Prima Ekalisanti
6. Ketentuan Pricing Counter DOC harian dan bulanan • Muhammad Lutfi
Provisions for daily and monthly DOC Pricing Counter • Lia Damayanti
7. Ketentuan Pricing Counter Bulanan IDR & USD • RW Hendarwan Adinata
Provisions for IDR & USD Monthly Pricing Counter • Vita Dewiyanti
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Alfian K Nugraha
Special provisions for retail & wholesale CASA ratio - IDR & USD • Ridho Gusti Hendharto
9. Usulan Penurunan Giro per Tiering
12. Kebijakan FTP
FTP Policy
13.Kebijakan Required Yield Financing
Required Yield Financing provision
17. Financing Performance Monitoring


No.
8 26 Agustus 2021 1. Materi IRM • Achmad Kusna Permana
26 August 2021 IRM Material • Hery Syafril
- Liquidity Stress Test • Purnomo B Soetadi
- Forex Update • Riksa Prakoso
- Indonesia Market Update • Moh. Madina Hendrik Soe'oed
- FDR IDR & USD • Agus A. Amir
- COF & Yield Financing • Wang Wardana
5. Ketentuan Spesial Nisbah IDR & USD • Demmy Rizkiadhy
6. Ketentuan Pricing Counter DOC harian dan bulanan • Mahmud Abu Bakar
Provisions for daily and monthly DOC Pricing Counter • Erick Ermawan
7. Ketentuan Pricing Counter Bulanan IDR & USD • Marissa Widyanti
Provisions for IDR & USD Monthly Pricing Counter • Prima Ekalisanti
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Muhammad Lutfi
Special provisions for retail & wholesale CASA ratio - IDR & USD • Hafni Marfu'ah Muhidin
9. Usulan Penurunan Giro per Tiering • Vita Dewiyanti
Proposed Reduction of Current Accounts per Tiering • Alfian K Nugraha
10. Ketentuan Back-to-Back dan Pricing Pembiayaan • Felysa Dariahulvi
12. Kebijakan FTP
FTP Policy
13.Kebijakan Required Yield Financing
Required Yield Financing Provision
9 22 September 2021 1. Materi IRM • Achmad Kusna Permana
22 September 2021 IRM Material • Hery Syafril
- Forex Update • Irvan Yulian Noor
- Global Market Update • Riksa Prakoso
- Local Market Update • Moh. Madina Hendrik Soe'oed
- FDR IDR & USD • Agus A. Amir
- COF & Yield Financing • Wang Wardana
5. Ketentuan Spesial Nisbah IDR & USD • Demmy Rizkiadhy
6. Ketentuan Pricing Counter DOC harian dan bulanan • Mahmud Abu Bakar
Provisions for daily and monthly DOC Pricing Counter • Erick Ermawan
7. Ketentuan Pricing Counter Bulanan IDR & USD • Marissa Widyanti
Provisions for IDR & USD Monthly Pricing Counter • Prima Ekalisanti
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Muhammad Lutfi
Special provisions for retail & wholesale CASA ratio - IDR & USD • Hafni Marfu'ah Muhidin
9. Usulan Penurunan Giro per Tiering • Vita Dewiyanti
Proposed Reduction of Current Accounts per Tiering • Alfian K Nugraha
10. Ketentuan Back-to-Back dan Pricing Pembiayaan • Felysa Dariahulvi
12. Kebijakan FTP
FTP Policy
13. Kebijakan Required Yield Financing
APR RORA indicator in March2021

2021 Annual Report

No.
10 21 Oktober 2021 1. Materi IRM • Achmad Kusna Permana
21 October 2021 IRM Material • Hery Syafril
- Liquidity Stress Test • Purnomo B Soetadi
- Forex Update • Riksa Prakoso
- Global Market Update • Moh. Madina Hendrik Soe'oed
- Local Market Update • Catur Andayani
3. ALM Performance • Aznovri Kurniawan
- Bankwide Overview • Agung Prambudi
- Funding Structure • Agus A. Amir
- Financing Structure • Wang Wardana
- FDR IDR & USD • Demmy Rizkiadhy
- COF & Yield Financing • Astri Piesca Rini
4. Liquidity Update • Rizki Sabilly Firdaus
- Cash Flow IDR & USD • Teguh Nugroho
- Business Projection • Citra Kurniawati
Special Provisions for IDR & USD Ratio • Marissa Widyanti
6. Ketentuan Pricing Counter DOC harian dan bulanan • Prasetyo Utomo
Provisions for daily and monthly DOC Pricing Counter • Hafni Marfu'ah Muhidin
7. Ketentuan Pricing Counter Bulanan IDR & USD • Felysa Dariahulvi
Provisions for IDR & USD Monthly Pricing Counter • Alfian K Nugraha
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD • Vita Dewiyanti
Special provisions for retail & wholesale CASA ratio - IDR & USD • Maulati Mushafi
9. Financing Performance
10. Pricing Pembiayaan dan FTP
Financing and FTP Pricing
12. Acuan Pricing Pembiayaan Mikro
Micro Financing Pricing Benchmark
13. Acuan Pricing Pembiayaan Kuala Lumpur
Kuala Lumpur Financing Pricing Benchmark
14. Pricing Negosiasi wesel export, Usance LC/TR/UPAS
Pricing negotiation of export bills, usance/ LC/ TR/ UPAS
16. Ketentuan Back-to-Back Retail & Wholesale
Provision of Back-to-Back Retail & Wholesale
17. Mekanisme persetujuan disburse dan dana keluar IDR
IDR disburse and outflow funds approval mechanism
18. Mekanisme persetujuan disburse USD
USD disburse approval mechanism


No.
11 24 November 2021 1. Materi IRM • Achmad Kusna Permana
24 November 2021 IRM Material • Andri Donny
- Funding Trend • Purnomo B Soetadi
- Current Liquidity Risk Monitoring • Irvan Yulian Noor
- Liquidity Stress Test • Moh. Madina Hendrik Soe'oed
2. Market Update • Catur Andayani
- Forex Update • Citra Kurniawati
- Global Market Update • Wang Wardana
- Local Market Update • Agus A. Amir
3. ALM Performance • Agung Prambudi
- Bankwide Overview • Astri Piesca Rini
- Funding Structure • Demmy Rizkiadhy
- Financing Structure • Rizki Sabilly Firdaus
- FDR IDR & USD • Prima Ekalisanti
- COF & Yield Financing • Muhammad Lutfi
- COF & Yield Projection • Felysa Dariahulvi
4. Liquidity Update • Alfian K Nugraha
- Cash Flow IDR & USD • Vita Dewiyanti
- Wholesale and Retail Business • Maulati Mushafi
- Borrowing, SWAP & REPO Capacity
5. Ketentuan Spesial Nisbah IDR & USD
Special Provisions for IDR & USD Ratio
6. Ketentuan Pricing Counter DOC harian dan bulanan
Provisions for daily and monthly DOC Pricing Counter
7. Ketentuan Pricing Counter Bulanan IDR & USD
Provisions for IDR & USD Monthly Pricing Counter
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD

2021 Annual Report

No.
12 22 Desember 2021 1. Materi IRM • Achmad Kusna Permana
22 December 2021 IRM Material • Andri Donny
- Funding Trend • Purnomo B Soetadi
- Current Liquidity Risk Monitoring • Irvan Yulian Noor
- Liquidity Stress Test • Moh. Madina Hendrik Soe'oed
2. Market Update • Catur Andayani
- Forex Update • Citra Kurniawati
- Global Market Update • Wang Wardana
- Local Market Update • Agus A. Amir
3. ALM Performance • Agung Prambudi
- Bankwide Overview • Dyah Ekowati
- Funding Structure • Teguh Nugroho
- Financing Structure • Dina Novita Daulay
- FDR IDR & USD • Prima Ekalisanti
- COF & Yield Financing • Muhammad Lutfi
- COF & Yield Projection • Erick Ermawan
4. Liquidity Update • Marissa Widyanti
- Cash Flow IDR & USD • Hafni Marfu'ah Muhidin
- Wholesale and Retail Business • Prasetyo Utomo
- Borrowing, SWAP & REPO Capacity • Felysa Dariahulvi
5. Ketentuan Spesial Nisbah IDR & USD • Alfian K Nugraha
Special Provisions for IDR & USD Ratio • Vita Dewiyanti
6. Ketentuan Pricing Counter DOC harian dan bulanan
Provisions for daily and monthly DOC Pricing Counter
7. Ketentuan Pricing Counter Bulanan IDR & USD
Provisions for IDR & USD Monthly Pricing Counter
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & USD

Komite Manajemen Risiko

Risk Management Committee
Komite Manajemen Risiko dibentuk dengan tujuan untuk The Risk Management Committee was established with the
memberi dukungan kepada Direktur Utama dan seluruh aim of providing support to the President Director and the
jajaran Direksi terkait dengan pengelolaan risiko di Bank entire Board of Directors regarding risk management at Bank
Muamalat Indonesia serta memberikan rekomendasi perihal Muamalat Indonesia as well as to provide recommendations
perbaikan proses dan sistem manajemen risiko yang efektif. regarding improvements to the process and an effective risk
management system.

Pembentukan Komite Manajemen Risiko, Bank Muamalat The establishment of the Risk Management Committee of
Indonesia didasari pada peraturan perundangan-undangan Bank Muamalat Indonesia is based on the following laws and
sebagai berikut: regulations:
1. Peraturan Otoritas Jasa Keuangan No. 65/ POJK.03/2016 1. Financial Services Authority Regulation No.
tanggal 23 Desember 2016 tentang Penerapan 65/ POJK.03/2016 dated 23 December 2016 on
Manajemen Risiko Bagi Bank Umum Syariah dan Unit Implementation of Risk Management for Sharia
Usaha Syariah. Commercial Banks and Sharia Business Units.
2. Peraturan Otoritas Jasa Keuangan No. 42/ POJK.03/2017 2. Financial Services Authority Regulation No. 42/
tanggal 12 Juli 2017 tentang Kewajiban Penyusunan dan POJK.03/2017 dated 12 July 2017 on Requirement to
Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Prepare and Implement Bank Credit or Financing Policies
Bank bagi Bank Umum. for Commercial Banks.
4. Surat Edaran Otoritas Jasa Keuangan No. 12/13/ 4. Circular Letter of Financial Services Authority No. 12/13/
DPbS tanggal 30 April 2010 tentang Pelaksanaan Good DPbS dated 30 April 2010 on Implementation of Good
Corporate Governance bagi Bank Umum Syariah dan Unit Corporate Governance for Sharia Commercial Banks and
Usaha Syariah. Sharia Business Units.
5. Kebijakan Umum Manajemen Risiko PT Bank Muamalat 5. General Risk Management Policy of PT Bank Muamalat
Indonesia Tbk. Indonesia Tbk.
6. Piagam Komite Manajemen Risiko PT Bank Muamalat 6. The Charter of the Risk Management Committee of PT
Indonesia Tbk. Bank Muamalat Indonesia Tbk.

PIAGAM KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
CHARTER
Komite Manajemen Risiko memiliki Piagam yang dijadikan The Risk Management Committee has established a Charter
sebagai panduan dalam menjalankan tugasnya, yang that serves as a guideline in carrying out its duties, which
mengatur di antaranya struktur dan keanggotaan, regulates, among others, the structure and membership,
wewenang dan tanggung jawab, waktu kerja dan pelaporan. powers and responsibilities, working time and reporting.
Piagam Komite Manajemen Risiko terakhir dikinikan pada The last Risk Management Committee Charter was updated
tanggal 26 Februari 2021 dan akan terus diperbarui sesuai on 26 February 2021 and will continue to be updated in
dengan perkembangan regulasi yang berlaku serta kondisi accordance with developments in applicable regulations and
terkini dari Bank. the latest conditions of the Bank.

2021 Annual Report
STRUKTUR, KOMPOSISI, DAN DASAR STRUCTURE, COMPOSITION, AND BASIS

Struktur keanggotaan Komite Manajemen Risiko Bank The membership structure of the Risk Management
Muamalat Indonesia terdiri dari mayoritas Direksi, salah Committee of Bank Muamalat Indonesia consists of a
satunya ialah Direktur yang membawahi fungsi manajemen majority of the Board of Directors, one of which is the
risiko; pejabat eksekutif yang mempimpin antara lain unit Director in charge of the risk management function;
kerja operasional dan unit kerja manajemen risiko serta executive officers who lead among others, operational work
pimpinan unit internal audit. unit and risk management work unit as well as the head of
the internal audit unit.
Komite Manajemen Risiko dipimpin oleh ketua merangkap The Risk Management Committee is chaired by a chairman
sebagai anggota tetap, wakil ketua merangkap sebagai who also doubles as a permanent member, a vice chairman
anggota tetap dan sekretaris merangkap sebagai anggota concurrently as a permanent member and a secretary
tetap. Sementara itu, struktur komite dibagi menjadi anggota concurrently as a permanent member. Meanwhile, the
tetap dengan hak suara, anggota tetap tanpa hak suara, dan committee structure is divided into permanent members
anggota tidak tetap tanpa hak suara. with voting rights, permanent members without voting
rights, and non-permanent members without voting rights.
Adapun komposisi Komite Manajemen Risiko per The following is the composition of the Risk Management
31 Desember 2021 adalah sebagai berikut: Committee as of 31 December 2021:
Fungsi/Jabatan
Pelaksanaan/Pejabat
dalam Komite Nama Dasar Pengangkatan
dalam Organisasi
Function/ Position in Name Basis of Appointment
Committee
Ketua/ Anggota President Director Achmad Kusna Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021
Tetap dengan Hak Permana tentang Komite Manajemen Risiko PT Bank Muamalat
Suara Indonesia Tbk
Chairman/ Decree of the Board of Directors No. 004/B/DIR-KPTS/
Permanent Member II/2021 on the Risk Management Committee of PT Bank
with Voting Right Muamalat Indonesia Tbk
Wakil Ketua/ Compliance, Risk & Legal Andri Donny Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021
Anggota Tetap Director tentang Komite Manajemen Risiko PT Bank Muamalat
dengan Hak Suara Indonesia Tbk
Deputy Chairman/ Decree of the Board of Directors No. 004/B/DIR-KPTS/
with Voting Right Muamalat Indonesia Tbk
Anggota Tetap • Financing Director • Avianto Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021
dengan Hak Suara • Finance Director • Hery Syafril tentang Komite Manajemen Risiko PT Bank Muamalat
Permanent Member • Retail Banking Director • Purnomo B. Soetadi Indonesia Tbk
with Voting Right • Operation Director • Awaldi Decree of the Board of Directors No. 004/B/DIR-KPTS/
• Chief Wholesale Banking • Irvan Y. Noor II/2021 on the Risk Management Committee of PT Bank
Officer Muamalat Indonesia Tbk
• Chief Human Capital • Riksa Prakoso
Officer
Sekretaris/ • Head of Integrated Risk Catur Andayani Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021
Anggota Tetap Management tentang Komite Manajemen Risiko PT Bank Muamalat
Tanpa Hak Suara Indonesia Tbk
Secretary/ Decree of the Board of Directors No. 004/B/DIR-KPTS/
with no Voting Right Muamalat Indonesia Tbk
Anggota Tetap • Head of Internal Audit • Riva Yan Abdillah Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021
Tanpa Hak Suara • Head of Compliance • Dyah Ekowati tentang Komite Manajemen Risiko PT Bank Muamalat
Permanent Member Indonesia Tbk
with no Voting Right Decree of the Board of Directors No. 004/B/DIR-KPTS/
II/2021 on the Risk Management Committee of PT Bank
Anggota Tidak Tetap Kepala Unit Kerja (Head Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021
Tanpa Hak Suara of Level 1) sesuai agenda tentang Komite Manajemen Risiko PT Bank Muamalat
Non-Permanent pembahasan, yang mewakili Indonesia Tbk
Member with no fungsi operasional, bisnis dan Decree of the Board of Directors No. 004/B/DIR-KPTS/
Voting Right financing risk II/2021 on the Risk Management Committee of PT Bank
Head of Work Unit (Head Muamalat Indonesia Tbk
of Level 1) according to the
discussion agenda, which
represents the operational,
business, and financing risk
functions

KEWENANGAN DAN TANGGUNG JAWAB AUTHORITIES AND RESPONSIBILITIES

Komite Manajemen Risiko dalam menjalankan fungsinya In carrying out its functions, the Risk Management Committee
memiliki kewenangan dan tanggung jawab sebagaimana has the authority and responsibility as stated in the Risk
tertuang dalam Piagam Komite Manajemen Risiko, sebagai Management Committee Charter, as follows:
berikut:
1. Melaksanakan rapat berkala Komite Manajemen Risiko, 1. Conduct Risk Management Committee periodic
termasuk menetapkan agenda pembahasan rapat meetings, including determining the meeting agenda as
dan peserta rapat khusus yang perlu menghadiri rapat well as special meeting participants who need to attend
dimaksud. the meeting.
2. Melaksanakan wewenang dan tanggun jawab Komite 2. Carry out the authority and responsibility of the Risk
Manajemen Risiko dan Komite Kebijakan Pembiayaan Management Committee and the Financing Policy
untuk memberikan rekomendasi kepada Direktur Utama Committee to provide recommendations to the President
dan seluruh Jajaran Direksi yaitu: Director and the Board of Directors, namely:
a. Melaksanakan kewenangan Komite Kebijakan a. Carry out the authority of the Financing Policy
Pembiayaan serta penyusunan kebijakan, strategi, Committee as well as the formulation of policies,
dan pedoman penerapan Manajemen Risiko Bank strategies, and guidelines for the implementation of
Muamalat antara lain: Bank Muamalat Risk Management, among others:
(1) Memberikan masukan kepada Direksi terkait (1) Provide input to the Board of Directors in relations
dengan penyusunan organisasi manajemen to the preparation of financing management
pembiayaan dan penyusunan kebijakan, organization and the formulation of policies,
terutama yang berkaitan dengan perumusan especially matters related to the formulation of
prinsip kehati-hatian dalam pembiayaan, serta prudential principles in financing, as well as other
kegiatan Bank lainnya. Masukan terkait kebijakan Bank activities. Inputs related to policies include,
mencakup antara lain: among others:
- Kebenaran pelaksanaan kewenangan - The validity of the implementation of
memutus pembiayaan dan operasional the authority to terminate a financing
pembiayaan (termasuk di dalamhya and financing operations (including
administrasi dan dokumentasi pembiayaan) administration and financing documentation)
Bank Muamalat. of Bank Muamalat.
- Penyelesaian pembiayaan bermasalah sesuai - Settlement of non-performing financing in
Kebijakan Pembiayaan Bank Muamalat. accordance with Bank Muamalat’s Financing
Policy.
(2) Mengawasi agar kebijakan internal dan ketentuan (2) Conduct supervision to ensure that the internal
internal pada poin (2) dapat diterapkan dan policies and internal provisions in point (2) can
dilaksanakan secara konsekuen dan konsistensi be applied and implemented in a consistent
serta merumuskan pemecahan apabila terdapat manner as well as formulate solutions if there
hambatan/kendala dalam penerapan kebijakan are restrictions/ obstacles in the implementation
dan ketentuan internal lainnya. of policies and other internal provisions.
(3) Melakukan kajian berkala terhadap kebijakan (3) Conduct periodic reviews on other internal
dan ketentuan internal lain serta memberikan policies and provisions and provide advice to
saran kepada Direksi apabila diperlukan the Board of Directors if changes/ improvements
perubahan/perbaikan kebijakan dan ketentuan to other internal policies and provisions are
internal lainnya. required.
b. Melakukan perbaikan atau penyempurnaan b. Perform enhancements or improvements to Risk
pelaksanaan Manajemen Risiko dengan melakukan Management implementation by conducting
pemantauan dan evaluasi terhadap: monitoring and evaluation on:
(1) Perkembangan risiko kredit dan operasional (1) Development of the overall credit and operational
Bank Muamalat secara keseluruhan, termasuk risk of Bank Muamalat, including the quality of
kualitas pembiayaan yang diberikan kepada financing provided to related parties to the Bank
pihak terkait Bank dan debitur besar tertentu. and certain large debtors.
(2) Melakukan kajian atas eksposur risiko Bank (2) Conduct a review of the Bank’s overall risk
secara keseluruhan dan memastikan bahwa exposure and ensure that the risk exposure is
eksposur risiko dikelola dengan baik. managed properly.
(3) Kebenaran pelaksanaan ketentuan Batas (3) The validity of the implementation of the
Maksimum Pemberian Pembiayaan (BMPP). provisions on the Legal Lending Limit (LLL).

2021 Annual Report
(4) Ketaatan terhadap ketentuan perundangan yang (4) Compliance with applicable laws and regulations
berlaku terkait risiko kredit dan opersional Bank related to credit and operational risks of Bank
Muamalat. Muamalat.
(5) Budaya manajemen Risiko pada seluruh level (5) Risk management culture at all levels of the
organisasi Bank. Bank’s organization.
c. Pemantauan (justification) hal-hal yang terkait c. Monitoring (justification) of matters related to
dengan keputusan bisnis yang tidak sesuai dengan business decisions that are not in accordance
prosedur normal (irregularities) termasuk dalam with normal procedures (irregularities), including
keputusan bisnis yang tidak sesuai denga prosedur business decisions that are not in accordance with
normal antara lain pelampauan ekspansi usaha yang normal procedures, including excess of significant
signifikan dibandingkan rencana bisnis Bank dan business expansion compared to the Bank’s business
pengambilan posisi atau eksposur risiko yang tidak plan and taking risk positions or exposures that are
sesuai dengan limit yang telah ditetapkan. not in accordance with the set limit.
3. Memberikan saran dan Langkah perbaikan kepada 3. Provide suggestions and corrective measures to the
Direksi terkait dengan tembusan kepada Dewan Board of Directors related to a copy to the Board of
Komisaris mengenai hal-hal yang terkait dengan butir 2 Commissioners regarding matters related to point 2
di atas. above.
4. Dalam hal terdapat penyimpangan dalam pelaksanaan 4. In the event of deviations in the implementation of Bank
Kebijakan Pembiayaan Bank Muamalat terkait dengan Muamalat’s Financing Policy related to the fulfillment of
pemenuhan prinsip syariah, maka laporan disampaikan sharia principles, the report is submitted to the Sharia
kepada Dewan Pengawas Syariah. Supervisory Board.
PROFIL KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE PROFILE

Profil ketua Komite Manajemen Risiko disajikan pada bab The profile of the chairman of the Risk Management
“Profil Perusahaan”. Committee is presented in the chapter “Company Profile”.
SEKRETARIAT KOMITE MANAJEMEN SECRETARIAT OF THE RISK MANAGEMENT

RISIKO COMMITTEE
Komite Manajemen Risiko memiliki sekretaris yang ditunjuk The Risk Management Committee has a secretary who
dan ditetapkan melalui Surat Keputusan Direksi. Adapun is appointed and determined by a Decree of the Board of
tanggung jawab dari Sekretaris Komite antara lain: Directors. The responsibilities of the Committee Secretary
include:
1. Menyelenggarakan rapat Komite Manajemen Risiko 1. Hold a Risk Management Committee meeting according
sesuai dengan jadwal yang telah ditetapkan sebelumnya to a predetermined schedule or based on the calendar of
atau berdasarkan calendar of events Bank Muamalat events of Bank Muamalat Indonesia, including preparing
Indonesia, termasuk menyiapkan daftar hadir peserta a list of attendees for the Risk Management Committee
rapat Komite Manajemen Risiko. meeting.
2. Menyampaikan materi rapat Komite Manajemen Risiko 2. Submits materials for the Risk Management Committee
kepada peserta rapat yang diundang selambat-lambatnya meeting to the invited meeting participants no later than
1 (satu) hari kerja sebelum rapat diselenggarakan. 1 (one) working day before the meeting is held.
3. Mengundang peserta rapat Komite Manajemen Risiko 3. Inviting participants to the Risk Management Committee
termasuk melakukan koordinasi untuk persiapan materi meeting, including coordinating the preparation of
yang akan dibahas dalam rapat Komite Manajemen material to be discussed in the Risk Management
Risiko. Committee meeting.
4. Menyusun risalah rapat Komite Manajemen Risiko 4. Prepare minutes of the Risk Management Committee
selambat-lambatnya dalam waktu 5 (lima) hari kerja meeting no later than 5 (five) working days after the
setelah rapat diselenggarakan untuk ditandatangani meeting is held to be signed by the Chairman or Deputy
oleh Ketua atau Wakil Ketua Manajemen Risiko. Chairman of Risk Management Committee.
5. Mendistribusikan risalah rapat kepada seluruh anggota 5. Distribute the minutes of meetings to all permanent
tetap Komite Manajemen Risiko dan seluruh peserta yang members of the Risk Management Committee and all
hadir berdasarkan kepentingannya untuk ditindaklanjuti. attendees based on their interests to be followed up.
6. Melaporkan penyelenggaraan rapat Komite Manajemen 6. Reporting the implementation of the Risk Management
Risiko kepada Direksi dan/atau untuk kepentingan Committee meeting to the Board of Directors and/or for
lainnya. other purposes.
7. Memantau tindak lanjut atas hasil rapat Komite 7. Monitor the follow-up to the results of the Risk
Manajemen Risiko. Management Committee meeting.


RAPAT KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE MEETING

Mengacu pada Piagam Komite Manajemen Risiko Bank Pursuant to the Risk Management Committee Charter
Muamalat Indonesia, rapat komite wajib diselenggarakan of Bank Muamalat Indonesia, committee meetings are
sedikitnya 6 (enam) kali dalam setahun. Rapat dapat held at least 6 (six) times a year. Meetings can be held if
diselenggarakan apabila dihadiri oleh lebih dari setengah attended by more than half of the Board of Directors who
dari Direksi yang menjadi anggota tetap dan memiliki hak are permanent members and have voting rights. The Boatd
suara. Direksi yang menjadi anggota tetap dan memiliki hak of Directors who are permanent members with voting
suara yang berhalangan hadir dapat mewakilkan suaranya rights who are unable to attend can represent their votes
kepada Direktur lain yang menjadi anggota tetap dan to other Directors who are permanent members with voting
memiliki hak suara, dan disampaikan kepada Sekretaris rights, and this is submitted to the Secretary of the Risk
Komite Manajemen Risiko minimal 1 (satu) hari kerja sebelum Management Committee at least 1 (one) working day prior
pelaksanaan rapat. Direktur yang menjadi anggota tetap to the meeting. Directors who are permanent members of
Komite Manajemen Risiko dan memiliki hak suara hanya the Risk Management Committee and have voting rights can
dapat mewakili 1 (satu) suara anggota tetap dan memiliki only represent 1 (one) vote of permanent members and have
hak suara lainnya, yang berhalangan hadir. Selain itu, Komite other voting rights, who are unable to attend. In addition,
Manajemen Risiko juga wajib dihadiri oleh Ketua atau Wakil the Risk Management Committee must also be attended by
Ketua Komite Manajemen Risiko atau penggantinya. the Chairman or Deputy Chairman of the Risk Management
Committee or his/her replacement.
Komite Manajemen Risiko dapat mengambil keputusan The Risk Management Committee can make decisions on
atas kebijakan, metodologi, limit dan strategi terkait dengan policies, methodologies, limits and strategies related to risk
manajemen risiko. Keputusan yang diambil oleh menjadi management. Decisions taken by the Board of Directors
rekomendasi yang perlu memperoleh keputusan lebih lanjut become recommendations which require further decisions
dari Direksi. from the Board of Directors
Pengambilan keputusan dalam rapat komite diambil Decisions in committee meetings are made based on
berdasarkan mufakat. Apabila tidak terjadi mufakat, maka consensus. If there is no consensus, the decision is
keputusan dianggap sah apabila disetujui oleh lebih dari considered valid if it is approved by more than half of the
setengah anggota tetap Komite Manajemen Risiko dan permanent members of the Risk Management Committee
memiliki hak suara, yang hadir dan/atau diwakili dalam rapat with voting rights, who are present and/or represented in the
tersebut dan disetujui oleh Ketua Komite atau Wakil Ketua meeting and approved by the Chairman of the Committee or
Komite. the Deputy Chairman of the Committee.
Sepanjang tahun 2021, Komite Manajemen Risiko telah During 2021, the Risk Management Committee has held 13
menyelenggarakan 13 (tiga belas) kali rapat dengan agenda (thirteen) meetings with the following agenda.
sebagai berikut.

No
1 22 Januari 2021 1. Laporan RBBR • Achmad Kusna Permana
January 22, 2021 RBBR Report • Awaldi
2. Update Project Al Basith • Andri Donny
Al Basith Project Update • Avianto
3. Mortgage Portfolio Review: KPR ASR • Purnomo B Soetadi
4. Retail Portfolio Update • Hery Syafril
5. Portfolio Review: Palm Oil and Plantation Industry • Irvan Yulian Noor
2 23 Januari 2021 1. Status Rekomendasi ORC Periode Sebelumnya • Achmad Kusna Permana
January 23, 2021 Status of ORC Recommendations of the Previous Period • Andri Donny
2. Key Risk Indicator Monitoring-Desember 2020 • Avianto
Key Risk Indicator Monitoring-December 2020 • Awaldi
3. Loss Event Monitoring-Desember 2020 • Hery Syafril
Loss Event Monitoring-December 2020 • Irvan Yulian Noor
4. Risk Highlight-Desember 2020 • Riksa Prakoso
Risk Highlight-December 2020
3 26 Februari 2021 1. Status Rekomendasi ORC Periode Sebelumnya (BCM Updates) • Achmad Kusna Permana
February 26, 2021 Status of ORC Recommendations of the Previous Period (BCM • Andri Donny
Updates) • Awaldi
2. Al Basith Progress Update • Hery Syafril
3. Key Risk Indicator Monitoring-Januari 2021 • Purnomo B. Soetadi
Key Risk Indicator Monitoring-January 2021 • Riksa Prakoso
4. Loss Event Monitoring-Januari 2021
Loss Event Monitoring-January 2021
5. Risk Highlight-Januari 2021
Risk Highlight-January 2021

2021 Annual Report

No
4 25 Maret 2021 1. Credit Risk Update Posisi Februari 2021 • Achmad Kusna Permana
March 25, 2021 Credit Risk Update of February 2021 Position • Andri Donny
2. Usulan Hasil Review Target Market dan Financing Allocation Limit • Purnomo B Soetadi
(FAL) 2021 • Hery Syafril
Proposed Review Results of the 2021 Target Market and • Irvan Yulian Noor
Financing Allocation Limit (FAL)
3. Target Market and Risk Acceptance Criteria (TMRAC) 2021
Wholesale Banking
4. Retail Portfolio Performance Review Posisi Februari 2021
Retail Portfolio Performance Review of the February 2021
Position
5 26 Maret 2021 1. Status Rekomendasi ORC Periode Sebelumnya • Achmad Kusna Permana
March 26, 2021 Status of ORC Recommendations of the Previous Period • Andri Donny
2. Key Risk Indicator (KRI) Monitoring Periode Februari 2021 • Hery Syafril
Key Risk Indicator (KRI) Monitoring for February 2021 • Irvan Yulian Noor
3. Loss Event Monitoring Periode Februari 2021
Loss Event Monitoring for February 2021
4. Top Risk Issue Periode Februari 2021
Top Risk Issue for February 2021
6 24 Juni 2021 1. Peringkat Risiko Operasional Unit Kerja Periode Mei 2021 • Andri Donny
June 24, 2021 Work Unit Operational Risk Rating for May 2021 • Avianto
2. Top Risk Issue Unit Kerja Periode Mei 2021 • Awaldi
Top Risk Issue of Work Units for May 2021 • Purnomo B Soetadi
3. Key Risk Indicator (KRI) Bankwide Periode Mei 2021 • Irvan Yulian Noor
Bankwide Key Risk Indicator (KRI) for May 2021 • Riksa Prakoso
4. Laporan Kejadian Risiko Operasional Periode Mei 2021
Operational Risk Event Report for May 2021
5. Status Rekomendasi ORC Periode Sebelumnya
Status of ORC Recommendations of the Previous Period
7 29 Juni 2021 1. Credit Risk Update-Posisi Mei 2021 • Achmad Kusna Permana
June 29, 2021 Credit Risk Update-May 2021 Position • Andri Donny
2. Operational Risk Update 2021 • Avianto Istihardjo
2021 Operational Risk Update • Purnomo B. Soetadi
3. Wholesale Financing Risk Update- Posisi April 2021 • Riksa Prakoso
Wholesale Financing Risk Update – April 2021 Position • Irvan Yulian Noor
8 29 Juli 2021 1. Peringkat Risiko Operasional Unit Kerja Periode Juni 2021 • Andri Donny
July 29, 2021 Operational Risk Rating of Work Units for June 2021 • Avianto Istihardjo
2. Top Risk Issue Unit Kerja Periode Juni 2021 • Awaldi
Top Risk Issue of Work Units for June 2021 • Purnomo B Soetadi
3. Key Risk Indicator (KRI) Bankwide Periode Juni 2021 • Riksa Prakoso
Bankwide Key Risk Indicator (KRI) for June 2021
4. Laporan Kejadian Risiko Operasional Periode Juni 2021
Operational Risk Event Report for June 2021
9 24 Agustus 2021 1. Peringkat Risiko Operasional Unit Kerja Periode Juli 2021 • Andri Donny
August 24, 2021 Operational Risk Rating of Work Units for July 2021 • Avianto Istihardjo
2. Top Risk Issue Unit Kerja Periode Juli 2021 • Awaldi
Top Risk Issue of Work Units for July 2021 • Hery Syafril
3. Key Risk Indicator (KRI) Bankwide Periode Juli 2021 • Riksa Prakoso
Bankwide Key Risk Indicator (KRI) for July 2021 • Irvan Yulian Noor
4. Laporan Kejadian Risiko Operasional Periode Juli 2021
Operational Risk Event Report for July 2021
10 26 Agustus 2021 1. Credit Risk Update-Posisi Juli 2021 • Achmad Kusna Permana
August 26, 2021 Credit Risk Update-July 2021 Position • Andri Donny
2. Al Basith Project Update • Avianto Istihardjo
Al Basith Project Update • Awaldi
• Purnomo B Soetadi
• Riksa Prakoso
• Hery Syafril
11 23 September 2021 1. Peringkat Risiko Operasional Unit Kerja Periode Agustus 2021 • Andri Donny
September 23, 2021 Operational Risk Rating of Work Units for August 2021 • Avianto Istihardjo
2. Top Risk Issue Unit Kerja Periode Agustus 2021 • Awaldi
Top Risk Issue of Work Units for August 2021 • Hery Syafril
3. Key Risk Indicator (KRI) Bankwide Periode Agustus 2021 • Riksa Prakoso
Bankwide Key Risk Indicator (KRI) for August 2021 • Irvan Yulian Noor
4. Laporan Kejadian Risiko Operasional Periode Agustus 2021
Operational Risk Event Report for August 2021
12 26 Oktober 2021 1. Credit Risk Update-Posisi September 2021 • Achmad Kusna Permana
October 26, 2021 Credit Risk Update-September 2021 Position • Andri Donny
2. Update PBI Terbaru Terkait Pemenuhan Rasio Pembiayaan • Avianto Istihardjo
Inklusif Makroprudensial (RPIM) • Awaldi
Latest PBI Update Regarding the Fulfillment of Macroprudential • Purnomo B Soetadi
Inclusive Financing Ratio (RPIM) • Riksa Prakoso
• Hery Syafril
13 24 Desember 2021 1. Outlook Tingkat Kesehatan Bank dan Profil Risiko Desember 2021 • Achmad Kusna Permana
December 24, 2021 Bank Soundness Level and Risk Profile Outlook of December • Andri Donny
2021 • Awaldi
2. Pembahasan Risiko Reputasi • Purnomo B Soetadi
Reputation Risk Discussion • Riksa Prakoso
3. Pembahasan Risiko Stratejik • Irvan Yulian Noor
Strategic Risk Discussion • Hery Syafril

KEPUTUSAN DI LUAR RAPAT KOMITE DECISIONS OUTSIDE OF THE RISK

MANAJEMEN RISIKO MANAGEMENT COMMITTEE MEETING
Selain di dalam rapat, keputusan dalam Komite Manajemen Decisions in the Risk Management Committee can also take
Risiko juga bisa terjadi di luar rapat yakni secara sirkuler place outside the meeting, namely in a circular manner
kepada seluruh anggota tetap dan memiliki hak suara, to all permanent members with voting rights to the Risk
berdasarkan persetujuan terlebih dahulu dari Ketua Komite Management Committee, based on prior approval from the
Manajemen Risiko. Keputusan Komite Manajemen Risiko Chairman of the Risk Management Committee. The decision
yang dilakukan secara sirkular mengikat semua anggota of the Risk Management Committee which is carried out in
atau unit kerja di Bank Muamalat Indonesia terkait dengan a circular manner binds all members or work units at Bank
risiko. Keputusan di luar rapat Komite Manajemen Risiko Muamalat Indonesia regarding risks. Decisions outside the
berlaku apabila telah disetujui oleh seluruh anggota tetap Risk Management Committee meeting shall be effective if
Komite dan memiliki hak suara, secara bulat atas usulan all permanent members of the Committee with voting rights
yang diajukan. have approved unanimously on the submitted proposal.
TINDAK LANJUT KEPUTUSAN KOMITE FOLLOW-UP TO THE RISK MANAGEMENT

MANAJEMEN RISIKO COMMITTEE MEETING DECISIONS
Apabila Komite Manajemen Risiko memberikan masukan In the event that the Risk Management Committee provides
dan rekomendasi yang perlu memperoleh keputusan lebih input and recommendations that require further decisions
lanjut dari Direksi, maka masukan dan rekomendasi Komite from the Board of Directors, the input and recommendations
Manajemen Risiko harus ditindaklanjuti dengan memo of the Risk Management Committee must be followed
usulan yang ditujukan kepada Direksi untuk memperoleh up with a proposal memo addressed to the Board of
keputudan lebih lanjut. Memo usulan disusun oleh unit kerja Directors to obtain further decisions. The proposal memo
yang menyampaikan usulan tersebut dalam rapat Komite is prepared by the work unit that submits the proposal at
Manajemen Risiko. Jika terdapat Unit Kerja yang melakukan the Risk Management Committee meeting. In th event that
presentasi dalam Rapat Komite Manajemen Risiko, maka there is a Work Unit that makes the presentation at the Risk
rapat wajib dihadiri oleh Kepala Unit Kerja Level 1 (L1) atau Management Committee Meeting, the meeting must be
pejabat yang setingkat. attended by the Head of the Level 1 Work Unit (L1) or an
official at the same level.
Apabila diperlukan, keputusan Komite Manajemen Risiko If necessary, the decision of the Risk Management Committee
dapat pula ditindaklanjuti dengan penerbitan memorandum can also be followed up with the issuance of a memorandum
atau ketentuan oleh unit kerja yang bertanggung jawab. or provision by the work unit in charge. The Secretary of the
Sekretaris Komite Manajamen Risiko bertanggung jawab Risk Management Committee is responsible for monitoring
memantau pelaksanaan tindak lanjut dari keputusan Komite the follow-up implementation of the decisions of the Risk
Manajemen Risiko. Management Committee.
Komite Sumber Daya Manusia

Human Capital Committee
Komite Sumber Daya Manusia dibentuk dengan tujuan The Human Capital Committee was established with the aim
untuk membantu tugas Direksi dan Senior Management of assisting the duties of the Board of Directors and Senior
dalam memenuhi tanggung jawab supervisory terkait Management in fulfilling supervisory responsibilities related
pengembangan organisasi, manajemen suksesi, dan to organizational development, succession management,
implementasi kebijakan-kebijakan sumber daya manusia. and implementation of human capital policies. This
Komite ini dibentuk pada tingkatan/level korporasi, committee is established at the corporate level, directorate,
direktorat, kantor wilayah atau region dan pada unit kerja regional or area office and in the work unit responsible
yang bertanggung jawab terhadap pengelolaan jaringan for managing the office network and distribution. This
kantor dan distribusi. Komite ini diharapkan dapat melakukan committee is expected to be able to mitigate risks for the
mitigasi risiko atas pengelolaan dan penyelesaian setiap management and resolution of every labor issue.
masalah ketenagakerjaan.

2021 Annual Report

Komite Sumber Daya Manusia Bank Muamalat Indonesia The Human Capital Committee of Bank Muamalat Indonesia
dibentuk dengan berpedoman pada peraturan perundangan- was established by referring to the laws and regulations,
undangan yaitu Peraturan Bank Indonesia Nomor 11/33/ namely Bank Indonesia Regulation No. 11/33/PBI/2009 dated
PBI/2009 tanggal 7 Desember 2009 tentang Pelaksanaan 7 December 2009 on the Implementation of Good Corporate
Good Corporate Governance bagi Bank Umum Syariah dan Unit Governance for Sharia Commercial Banks and Sharia Business
Usaha Syariah dan Piagam Komite Sumber Daya Manusia. Units and the Charter of the Human Capital Committee.
PIAGAM KOMITE SUMBER DAYA MANUSIA HUMAN CAPITAL COMMITTEE CHARTER

Komite Sumber Daya Manusia memiliki Piagam sebagai The Human Capital Committee has established a Charter
pedoman dalam menjalankan perannya, yang mengatur as a guideline in carrying out its role, which regulates,
di antaranya struktur dan keanggotaan, wewenang dan among others, structure and membership, authority and
tanggung jawab, waktu kerja dan pelaporan. Piagam Komite responsibility, working time and reporting. The Human
Sumber Daya Manusia terakhir dikinikan pada tanggal Resources Committee Charter was last updated on 6 June
6 Juni 2017 dan akan terus diperbarui sesuai dengan 2017 and will continue to be updated in accordance with
perkembangan regulasi yang berlaku serta kondisi terkini developments in applicable regulations and the latest
dari Bank. conditions of the Bank.
STRUKTUR, KOMPOSISI DAN DASAR STRUCTURE, COMPOSITION AND BASIS

Berikut adalah komposisi keanggotaan Komite Sumber Daya The following is the membership composition of the Human
Manusia per 31 Desember 2021. Capital Committee as of 31 December 2021.
Fungsi/Jabatan dalam Pelaksanaan/Pejabat

Komite dalam Organisasi Nama Dasar Pengangkatan
Function/ Position in Officer in the Name Basis of Appointment
Committee Organization
Ketua Merangkap President Director Achmad Kusna Permana Surat Keputusan No. 023/R/DIR/KPTS/VI/2017 tentang
Anggota Pembentukan Komite Sumber Daya Manusia PT Bank
Chairman concurrently Muamalat Indonesia Tbk
Member Decree No. 023/R/DIR/KPTS/VI/2017 on the Establishment
of the Human Resources Committee of PT Bank Muamalat
Indonesia Tbk
Sekretaris Merangkap Head of HC Strategy M. Ade Kurniawan Surat Keputusan No. 023/R/DIR/KPTS/VI/2017 tentang
Anggota Pembentukan Komite Sumber Daya Manusia PT Bank
Secretary concurrently Muamalat Indonesia Tbk
Member Decree No. 023/R/DIR/KPTS/VI/2017 on the Establishment
of the Human Resources Committee of PT Bank Muamalat
Indonesia Tbk
Anggota • Compliance, Risk & • Andri Donny Surat Keputusan No. 023/R/DIR/KPTS/VI/2017 tentang
Member Legal Director Pembentukan Komite Sumber Daya Manusia PT Bank
• Finance Director • Hery Syafril Muamalat Indonesia Tbk
• Operation Director • Awaldi Decree No. 023/R/DIR/KPTS/VI/2017 on the Establishment
• Retail Banking • Purnomo B Soetadi of the Human Resources Committee of PT Bank Muamalat
Director Indonesia Tbk
• Financing Director • Avianto
• Chief Wholesale • Irvan Y Noor
Banking Officer
• Chief Human Capital • Riksa Prakoso
Officer

Mengacu pada Piagam Komite Sumber Daya Manusia, Pursuant to the Human Capital Committee Charter, the
berikut adalah tugas dan tanggung jawab komite: following are the duties and responsibilities of the committee:
1. Memberikan arahan atas strategi dan kebijakan dalam 1. Providing direction on strategies and policies in the field
bidang sumber daya manusia, menyetujui pelaksanaan of human capital, approving the implementation of the
program remunerasi sumber daya manusia. human capital remuneration program
2. Memberikan persetujuan atas proposal penempatan 2. Providing approval to proposals for the placement
sumber daya manusia untuk posisi-posisi atau jabatan of human capital for positions in the business unit,
pada unit business, region dan functional head sesuai region and functional head according to the prevailing
hirarki yang berlaku. hierarchy.
3. Memberikan persetujuan atas promosi karyawan ke 3. Providing approval for the promotion of employees to
level senior management team dan/atau yang lebih the senior management team level and/or higher.
tinggi.

4. Memberikan persetujuan atas usulan khusus di bidang 4. Providing approval to special proposals in the field of
sumber daya manusia yang melebihi kewenangan Head human capital that exceed the authority of the Head of
of dan/atau kewenangan Direktur yang membidangi and/or the authority of the Director in charge of human
sumber daya manusia. capital.
PROFIL KOMITE SUMBER DAYA MANUSIA HUMAN CAPITAL COMMITTEE PROFILE

Profil ketua Komite Sumber Daya Manusia disajikan pada The profile of the chairman of the Human Capital Committee
bab “Profil Perusahaan”. is presented in the chapter “Company Profile”.
RAPAT KOMITE SUMBER DAYA MANUSIA HUMAN CAPITAL COMMITTEE MEETING

Sesuai dengan Piagam Komite Sumber Daya Manusia Pursuant to the Human Capital Committee Charter of Bank
Bank Muamalat Indonesia, rapat komite harus dilakukan Muamalat Indonesia, committee meetings are at least 1
setidaknya 1 (satu) kali dalam sebulan atau sewaktu-waktu (one) time a month or at any time as needed. A meeting is
sesuai dengan kebutuhan. Rapat dianggap sah apabila considered valid if it is attended by at least more than half of
dihadiri oleh minimal separuh lebih anggota Komite yang the Committee members with voting rights. The meeting is
memiliki hak suara. Rapat dipimpin oleh ketua komite dan chaired by the chairman of the committee and if unable to
apabila berhalangan hadir dapat dipimpin oleh salah satu attend, it can be chaired by one of the committee members.
anggota komite.
Pelaksanaan rapat dilakukan secara face to face atau melalui Meetings are held face-to-face or via video call. The chairman
video call. Ketua dapat menggelar rapat apabil terdapat can hold a meeting if there are urgent issues that the
permasalahan yang mendesak yang harus didiskusikan dan committee must discuss and decide. The Committee also
diputuskan oleh komite. Komite juga memiliki kewenangan has the authority to invite the head of the relevant work unit
untuk mengundang pimpinan unit kerja terkait untuk to provide the necessary information and clarification as well
memberikan informasi dan klarifikasi yang diperlukan serta as providing suggestions and recommendations, but does
dapat memberikan usulan dan rekomendasi namun tidak not have a say in the decision-making process.
memiliki hak suara dalam proses pengambilan keputusan.
Terkait dengan pengambilan keputusan dalam rapat, komite Regarding decision-making in the meeting, the committee
senantiasa mengupayakan secara musyawarah mufakat always strives for consensus without voting and is considered
tanpa melakukan voting dan dianggap sah apabila dihadiri valid if attended by the Chairman of the Committee and more
Ketua Komite dan setengah lebih anggota komite. Apabila than half of the committee members. If there is no need for
tidak terdapat kebutuhan penyelesaian masalah/keputusan problem solving/ decision at the meeting, it can be circulated
dalam rapat maka dapat disirkulasikan menggunakan by committee members using a memorandum as a support.
memorandum sebagai pendukung oleh anggota komite.
Apabila terdapat pembahasan yang tidak dapat diputuskan In the event that there is a discussion that cannot be decided
oleh komite pada suatu level dapat diajukan oleh Ketua by the committee at a certain level, the Chairman of the
Komite untuk dibahas dan diputuskan dalam Rapat Komite Committee may submit it to be discussed and decided in
pada level komite yang lebih tinggi. Hasil dan keputusan a Committee Meeting at a higher committee level. The
dalam setiap Rapat Komite wajib disampaikan kepada results and decisions at each Committee Meeting must be
Sekretaris Komite pada level Komite yang lebih tinggi dan submitted to the Committee Secretary at a higher level of the
kepada Head of HC Strategy. Committee and to the Head of HC Strategy

2021 Annual Report
Sepanjang tahun 2021, Komite Sumber Daya Manusia telah During 2021, the Human Capital Committee has held 5 (five)
menyelenggarakan 5 (lima) kali rapat yang diselenggarakan meetings, which were held as follows.
sebagai berikut.

No.
1 10 Maret 2021 1. Achmad K Permana
10 March 2021 2. Andri Donny
3. Hery Syafril
4. Awaldi
5. Purnomo B. Soetadi
6. Riksa Prakoso
7. Avianto
8. Irvan Yulian Noor
9. M. Ade Kurniawan
10. Aznovri Kurniawan
11. Moh. Dinar Prasetya
12. Vino Y Lamantu
13. Esti Budiarti
2 5 Mei 2021 1. Achmad K Permana
5 May 2021 2. Andri Donny
3. Hery Syafril
4. Awaldi
6. Riksa Prakoso
7. Avianto
9. M. Ade Kurniawan
10. Andi Suryawan
12. Vino Y Lamantu
13. Esti Budiarti
14. Anton Hendrianto
3 3 Agustus 2021 1. Achmad K Permana
3 August 2021 2. Andri Donny
3. Hery Syafril
4. Awaldi
6. Riksa Prakoso
7. Avianto
9. M. Ade Kurniawan
10. Andi Suryawan
12. Vino Y Lamantu
13. Esti Budiarti
14. Anton Hendrianto
4 9 September 2021 1. Achmad K Permana
9 September 2021 2. Andri Donny
3. Hery Syafril
4. Awaldi
6. Riksa Prakoso
7. Avianto
9. M. Ade Kurniawan
10. Vino Y Lamantu
12. Esti Budiarti
5 17 November 2021 1. Achmad K Permana
17 November 2021 2. Andri Donny
3. Hery Syafril
4. Awaldi
6. Riksa Prakoso
7. Avianto
9. M. Ade Kurniawan
10. Vino Y Lamantu
12. Esti Budiarti

Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan memiliki tanggung jawab membantu The Corporate Secretary has the responsibility of assisting
Direksi dan Dewan Komisaris dalam pelaksanaan tata the Board of Directors and the Board of Commissioners
kelola perusahaan sesuai dengan peraturan pasar modal, in implementing corporate governance in accordance
khususnya dalam hal terkait keterbukaan Informasi with capital market regulations, particularly with regard
kepada masyarakat, yang dilaksanakan melalui pelaporan to disclosure of information to the public, which is carried
kepada instansi pemerintahan dan pengumuman dalam out through reporting to government agencies and
website serta media cetak (apabila diwajibkan), organisasi announcements on websites and print media (if required),
pelaksanaan RUPS. Sekretaris Perusahaan juga berperan organizing the implementation of the GMS. The Corporate
sebagai penghubung antara Bank dengan pihak eksternal Secretary also acts as a liaison between the Bank and external
seperti regulator pasar modal, pemegang saham, media parties such as capital market regulators, shareholders,
serta pemangku kepentingan lainnya. media, and other stakeholders.

Bank menggunakan dasar hukum berikut sebagai landasan The Bank uses the following legal basis as the basis for the
keberadaan Sekretaris Perusahaan, yaitu Peraturan establishment of the Corporate Secretary, namely Financial
Otoritas Jasa Keuangan (POJK) No. 35/POJK.04/2014 tentang Services Authority Regulation (POJK) No. 35/POJK.04/2014
Sekretaris Perusahaan Emiten atau Perusahaan Publik dan on Corporate Secretary of Issuers or Public Companies and
Surat Keputusan Direksi PT Bursa Efek Indonesia No. Kep- Decree of the Board of Directors of PT Bursa Efek Indonesia
00001/BEI/01-2014 perihal Perubahan Peraturan No. I-A: No. Kep-00001/ BEI/01-2014 on Amendment to Regulation
tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain No. I-A: on Listing of Shares and Equity Securities Other Than
Saham yang Diterbitkan Oleh Perusahaan Tercatat. Shares Issued by Listed Companies.
PROFIL SEKRETARIS PERUSAHAAN CORPORATE SECRETARY PROFILE
Hayunaji
Sekretaris Perusahaan
Corporate Secretary

Citizenship
Domisili Jakarta
Domicile
Dasar Hukum Pengangkatan Surat Keputusan No. 010/HCE/KEP/XII/2018 dan efektif sejak tanggal 14 Desember 2018
Legal Basis of Appointment Decree No. 010/HCE/KEP/XII/2018 effective since 14 December 2018
Riwayat Pendidikan Sarjana Ekonomi, Universitas Indonesia (1996)
Educational Background Bachelor in Economics, Faculty of Economics University of Indonesia, 1996
Rangkap Jabatan -

2021 Annual Report
Pengalaman Kerja • Head of Corporate Affairs PT Bank Muamalat Indonesia Tbk (Desember 2018-sekarang)
Work Experience • Vice President, Board Office Head PT Bank CIMB Niaga Tbk (April 2015-Desember 2018)
• Vice President, CEO Office Head PT Bank CIMB Niaga Tbk (Januari 2015-April 2015)
• Vice President, Strategy & Performance Management Head PT Bank CIMB Niaga Tbk
(Maret 2014-Januari 2015)
• Vice President, Investor Relations & Reporting Head PT Bank CIMB Niaga Tbk
(September 2006-Maret 2014)
• Senior Manager, Investor Relations Development PT Bank Permata Tbk (Januari 2003-Agustus 2006)
• Change Management, Merger Integration Office, 5 Banks Merger (Indonesian Bank Restructuring Agency
and Accenture) (September 2002-Januari 2003)
• Senior Assistant Manager, Investor Relations Development PT Bank Universal Tbk
(Desember 1999-Agustus 2002)
• Assistant Manager, Priority Banking PT Bank Duta Tbk (Maret 1998-Desember 1999)
• Head of Corporate Affairs PT Bank Muamalat Indonesia Tbk (December 2018-Present)
• Vice President, Board Office Head PT Bank CIMB Niaga Tbk (April 2015-December 2018)
• Vice President, CEO Office Head PT Bank CIMB Niaga Tbk (January 2015-April 2015)
• Vice President, Strategy & Performance Management Head PT Bank CIMB Niaga Tbk
(March 2014-January 2015)
• Vice President, Investor Relations & Reporting Head PT Bank CIMB Niaga Tbk
(September 2006-March 2014)
• Senior Manager, Investor Relations Development PT Bank Permata Tbk (January 2003-August 2006)
• Change Management, Merger Integration Office, 5 Banks Merger (Indonesian Bank Restructuring Agency
and Accenture) (September 2002-January 2003)
• Senior Assistant Manager, Investor Relations Development PT Bank Universal Tbk
(December 1999-August 2002)
• Assistant Manager, Priority Banking PT Bank Duta Tbk (March 1998-December 1999)

Sekretaris Perusahaan Bank Muamalat Indonesia memiliki The Corporate Secretary of Bank Muamalat Indonesia has
tugas dan tanggung jawab sebagai berikut: the following duties and responsibilities:
1. Mewakili Direksi dalam hubungannya dengan lembaga/ 1. Become a representative of the Board of Directors in
institusi baik pemerintah maupun swasta. relation to institutions/agencies, both government and
private.
2. Bekerja sama dengan Divisi Kepatuhan memantau 2. Cooperating with the Compliance Division to monitor the
kepatuhan Bank Muamalat Indonesia terhadap compliance of Bank Muamalat Indonesia with banking
ketentuan dan peraturan tentang perbankan. rules and regulations.
3. Memastikan penerapan dan pelaksanaan Good Corporate 3. Ensuring the implementation and application of Good
Governance (GCG) di Bank Muamalat Indonesia. Corporate Governance (GCG) at Bank Muamalat
Indonesia.
4. Menyusun daftar pemegang saham termasuk 4. Compile a list of shareholders with ownership of shares
kepemilikan saham 5% atau lebih. of 5% or more.
5. Mengawasi berbagai kegiatan kesekretariatan korporasi 5. Oversee various corporate secretarial activities and
dan protokoler, korespondensi, dan kerumahtanggaan protocol, correspondence, and administrative affairs
yang terkait dengan Direksi dan Dewan Komisaris. related to the Board of Directors and the Board of
Commissioners.
6. Mengimplementasikan dan mengawasi peraturan- 6. Implement and supervise regulations relating to
peraturan yang berkaitan dengan aksi korporasi, GCG, corporate actions, GCG, and compliance with capital
dan kepatuhan terhadap peraturan pasar modal. market regulations.
7. Menggelar RUPS dan aksi korporasi. 7. Holding GMS and corporate actions.
8. Berkoordinasi dengan unit kerja internal terkait dan 8. Coordinate with related internal work units and external
pihak eksternal dalam upaya melancarkan kegiatan parties in an effort to streamline corporate activities and
korporasi dan meningkatkan efektivitas tata kerja yang improve the effectiveness of work procedures related
terkait dengan kegiatan Direksi dan Dewan Komisaris. to the activities of the Board of Directors and Board of
Commissioners.
9. Mengkoordinasikan/memonitor kegiatan yang berkaitan 9. Coordinating/ monitoring activities related to delivery
dengan penerimaan dan penyampaian informasi of and acceptance of corporate information as well
korporasi serta pelaksanaan rapat Direksi dan Dewan as holding meetings of the Board of Directors and the
Komisaris. Board of Commissioners.
10. Memberikan pelayanan kepada para pemangku 10. Providing information services required by stakeholders
kepentingan (stakeholders) atas setiap informasi yang for information related to the condition of Bank
dibutuhkan terkait dengan kondisi Bank Muamalat Muamalat Indonesia.
Indonesia.

11. Menjadi penghubung atau contact person antara Bank 11. Become a liaison or contact person between Bank
Muamalat Indonesia dengan Otoritas Jasa Keuangan, Muamalat Indonesia and the Financial Services
Bursa Efek Indonesia, otoritas pasar modal lainnya, dan Authority, Indonesia Stock Exchange, other capital
masyarakat. market authorities, and the public.
12. Melaksanakan kegiatan yang mendukung pelaksanaan 12. Carry out activities that support the implementation
prinsip keterbukaan terutama menyangkut kinerja Bank of the principle of transparency, especially regarding
Muamalat Indonesia melalui komunikasi kepada pihak- the performance of Bank Muamalat Indonesia through
pihak yang berkepentingan. communication to interested parties.
STRUKTUR ORGANISASI SEKRETARIS ORGANIZATIONAL STRUCTURE OF THE

PERUSAHAAN CORPORATE SECRETARY
Sekretaris Perusahaan Bank Muamalat Indonesia The Corporate Secretary of Bank Muamalat Indonesia
membawahi beberapa unit kerja yang dijelaskan dalam oversees several work units which are described in the
bagan berikut ini. following chart.
President Director
Corporate Secretary
Head of Office of the Head of Investor Head of Record Head of Public & Media
Executive Secretary Board Relations Management Relation
PELAKSANAAN TUGAS 2021 DUTY IMPLEMENTATION IN 2021

Sepanjang tahun 2021, Sekretaris Perusahaan bersama During 2021, the Corporate Secretary and all work units
seluruh unit kerja di bawahnya telah merealisasikan tugas under it have realized their duties and functions. Among
dan fungsinya. Di antaranya adalah: others are:
1. Menyelenggarakan dan menghadiri pelaksanaan Rapat 1. Organizing and attending Board of Directors Meetings
Direksi serta membuat risalah hasil Rapat Direksi, Rapat and preparing minutes of the results of Board of
Dewan Komisaris, dan Rapat Gabungan antara Dewan Directors Meetings, Board of Commissioners Meetings,
Komisaris serta Direksi. and Joint Meetings between the Board of Commissioners
and Directors.
2. Membantu Direksi dalam menyelenggarakan RUPS 2. Assisting the Board of Directors in organizing the Bank’s
Tahunan dan RUPS Lainnya (RUPS Luar Biasa) Bank Annual GMS and Other GMS (Extraordinary GMS), which
yang telah diselenggarakan secara fisik pada 29 April was held physically on 29 April 2021 and 30 August
2021 dan 30 Agustus 2022 di Muamalat Tower, Jakarta 2021at Muamalat Tower, Jakarta by implementing health
dengan menerapkan protokol kesehatan dalam rangka protocols in order to prevent the outbreak of COVID-19.
pencegahan penyebaran COVID-19.
3. Mengembangkan strategi komunikasi dan menjaga 3. Develop a communication strategy and maintain good
hubungan baik dengan para pemangku kepentingan relations with regulators, institutional and individual
seperti regulator, para pemegang saham institusi dan shareholders, as well as capital market supporting
individu, lembaga dan profesi penunjang pasar modal. institutions.
4. Melaksanakan penyampaian pelaporan yang menjadi 4. Submitting disclosure of information reports, which
kewajiban Bank sebagai perusahaan terbuka kepada are the obligations of the Bank as a public company to
regulator. regulators.
5. Menyusun laporan tahunan (annual report) dan 5. Prepare an annual report and ensure that all information
memastikan seluruh informasi yang disampaikan adalah presented is accurate and the disclosure of information
akurat dan disclosure informasi terpenuhi sesuai regulasi. meets the regulations.
6. Melaksanakan Right Issue dan aksi korporasi lainnya 6. Execute Right Issues and other corporate actions
bersama dengan unit kerja terkait. together with related work units.

2021 Annual Report
7. Berkoordinasi dengan CMC dalam melakukan kegiatan 7. Coordinate with CMC in carrying out Corporate Social
Tanggung Jawab Sosial Perusahaan/Corporate Social Responsibility (CSR) activities.
Responsibility (CSR).
8. Melakukan kewajiban publikasi Bank dalam bentuk 8. Carry out the Bank’s publication obligations in the
materi keterbukaan informasi, iklan korporasi dan form of information disclosure materials, corporate
promosi selama tahun 2021 melalui media cetak dan advertisements and promotions during 2021 through
website Perseroan. print media and the Company’s website.
9. Menerbitkan siaran pers, memberikan hak jawab, dan 9. Issuing press releases, exercise rights of reply, and
berkomunikasi dengan para wartawan media cetak dan communicate with journalists of print and electronic
elektronik. media.
10. Melakukan reminder terhadap kewajiban pelaporan 10. Carry out reminders on reporting obligations to the
kepada Orotitas Jasa Keuangan/Bank Indonesia dan Financial Services Authority/Bank Indonesia and other
Otoritas Pengawas lainnya terutama kewajiban sebagai supervisory authorities, especially on the obligations as
perusahaan terbuka. a public company.
11. Melakukan training dan sharing knowledge dengan materi 11. Conduct training and knowledge sharing with materials
dan regulasi terkait pasar modal and regulations related to the capital market
12. Melakukan self-assesment pelaksanaan GCG Semester 12. Conducting the self-assessment on GCG implementation
I dan II tahun 2021 terkait pelaksanaan tugas dan in Semester I and II of 2021 related to the implementation
tanggung jawab Dewan Komisaris dan Direksi. of the duties and responsibilities of the Board of
Commissioners and Board of Directors.
13. Melakukan pengaturan protokoler untuk mendampingi 13. Arranging protocols to assist and fulfill the needs of the
dan memenuhi kebutuhan dari Direksi dan Dewan Board of Directors and Board of Commissioners.
Komisaris.
14. Mengelola penyimpanan dokumen aktif dan inaktif 14. Manage the filing of active and inactive documents of the
Perusahaan Company

Bank senantiasa mendorong Sekretaris Perusahaan untuk The Bank continuously encourages the Corporate Secretary
melakukan pengembangan kompetensi melalui pelatihan- to develop competence through trainings. Complete
pelatihan. Informasi lengkap mengenai hal ini disampaikan information regarding this matter is presented in the chapter
dalam bab “Profil Perusahaan.” “Company Profile.”

Satuan Kerja Audit Internal (SKAI)

Internal Audit Work Unit (IAU)
SKAI merupakan bagian dari sistem pengendalian intern The IAU is part of the internal control system with a scope
dengan ruang lingkup mencakup pemeriksaan dan penilaian that includes the audit and assessment on the adequacy
atas kecukupan dan efektivitas sistem pengendalian intern and effectiveness of the internal control system, which
yang bertujuan memberikan keyakinan memadai kepada aims to provide adequate assurance to management that
manajemen bahwa proses tata kelola, manajemen risiko dan governance, risk management, and internal control system
sistem pengendalian intern telah berjalan dengan efektif processes have been running effectively in order to assist
dalam rangka membantu manajemen merealisasikan tujuan management in realizing the company’s objectives.
perusahaan.
Dalam pelaksanaannya, SKAI menggunakan pendekatan In its implementation, the IAU uses the Risk-Based Audit
Audit Berbasis Risiko (Risk Based Audit) yang melalui tahapan approach which goes through the stages of preparing an
penyusunan rencana audit, pelaksanaan penugasan audit plan, implementing audit assignments, reporting audit
audit, pelaporan hasil audit dan pemantauan tindak lanjut results, and monitoring the follow-up to fulfill the audit
pemenuhan komitmen hasil audit. commitments.
PIAGAM AUDIT INTERN INTERNAL AUDIT CHARTER

Bank memiliki Piagam Audit Intern yang telah dikinikan The Bank has established an Internal Audit Charter, which
pada bulan Juni tahun 2021 dan telah disetujui oleh Dewan was updated in June 2021 and has been approved by the
Komisaris dengan rekomendasi dari Komite Audit serta Board of Commissioners with a recommendation from the
ditetapkan oleh Direktur Utama. Piagam tersebut merupakan Audit Committee and stipulated by the President Director.
pernyataan formal yang menegaskan visi dan misi, struktur The charter is a formal statement that confirms the vision
dan kedudukan, ruang lingkup, tugas dan tanggung jawab, and mission, structure and position, scope, duties and
wewenang, kualifikasi serta kode etik auditor, yang dikaji responsibilities, authority, qualifications and code of conduct
ulang dan diperbaharui secara berkala. of the auditor, which is periodically reviewed and updated.
Piagam tersebut telah diselaraskan dengan ketentuan The charter has been aligned with the regulatory provisions
regulator yang tertuang dalam Peraturan OJK No. 01/ contained in FSA Regulation No. 01/POJK.03/2019 on
POJK.03/2019 tentang Penerapan Fungsi Audit Intern pada Implementation of the Internal Audit Function in Commercial
Bank Umum dan Peraturan OJK No. 56/POJK.04/2015 Banks and FSA Regulation No. 56/POJK.04/2015 on
tentang Pembentukan dan Pedoman Penyusunan Piagam Establishment and Guidelines for the Internal Audit Charter
Audit Intern. Preparation.

2021 Annual Report
PENGANGKATAN DAN PEMBERHENTIAN APPOINTMENT AND DISMISSAL OF THE

KEPALA SKAI HEAD OF THE IAU
Merujuk kepada Peraturan OJK No. 01/POJK.03/2019 tentang Pursuant to FSA Regulation No. 01/POJK.03/2019 on
Penerapan Fungsi Audit Intern pada Bank Umum, Kepala Implementation of the Internal Audit Function in Commercial
SKAI diangkat dan diberhentikan oleh Direktur Utama Banks, the Head of the IAU is appointed and dismissed by the
setelah mendapatkan persetujuan dari Dewan Komisaris President Director after obtaining approval from the Board
dengan mempertimbangkan rekomendasi dari Komite Audit. of Commissioners, taking into account the recommendations
Berdasarkan SK Direksi No. 003/DIR-KPTS/I/2021 tanggal from the Audit Committee. Based on the Decree of the Board
26 Januari 2021 dan Persetujuan Dewan Komisaris yang of Directors No. 003/DIR-KPTS/I/2021 dated 26 January
tertuang dalam Surat No. 07/R/PRD-SRT/I/2021 tanggal 11 2021 and the approval of the Board of Commissioners as
Januari 2021, terhitung efektif sejak tanggal 28 Januari 2021, stated in Letter No. 07/R/PRD-SRT/I/2021 dated 11 January
Riva Yan Abdillah telah diangkat sebagai Kepala SKAI dan atas 2021, effective 28 January 2021, Riva Yan Abdillah has been
pengangkatan tersebut telah dilaporkan ke OJK berdasarkan appointed as Head of the IAU and the appointment has been
surat Bank Muamalat No. 017/B/PRD-SRT/I/2021 tanggal 26 reported to FSA based on Bank Muamalat letter No. 017/B/
Januari 2021 perihal Laporan Penggantian Head of internal PRD-SRT/I/2021 dated 26 January 2021 regarding Report
Audit PT Bank Muamalat Indonesia Tbk. on the Replacement of Head of Internal Audit of PT Bank
Muamalat Indonesia Tbk.
STRUKTUR ORGANISASI SKAI ORGANIZATIONAL STRUCTURE OF THE

IAU
SKAI bertanggung jawab langsung kepada Direktur Utama The IAU is directly responsible to the President Director and
dan mempunyai matriks komunikasi kepada Dewan has a communication matrix to the Board of Commissioners
Komisaris melalui Komite Audit, dengan susunan struktur through the Audit Committee, with the following
organisasi sebagai berikut: organizational structure:
Board Commissioners and

President Director
Audit Committee
Head of Internal Audit
Information System Audit Methodology &

Head Office Desk Audit Region & Channel Audit Financing Audit Audit Quality
JUMLAH PEGAWAI DAN SERTIFIKASI NUMBER OF EMPLOYEES AND

PROFESI AUDITOR PROFESSIONAL CERTIFICATION OF
AUDITORS
Pada posisi 31 Desember 2021, pegawai SKAI berjumlah As of December 31, 2021, there are 24 (twenty-four) IAU
24 (dua puluh empat) orang yang memiliki kompetensi di employees with competence in audit and certification
bidang audit dan sertifikasi dalam bidang manajemen risiko in the field of risk management for various levels in the
untuk berbagai jenjang dalam struktur organisasi (level 1-4). organizational structure (levels 1-4). Several auditors have
Beberapa auditor di antaranya telah dilengkapi sertifikasi been equipped with professional competency certifications,
kompetensi profesional seperti Certified Risk Management such as Certified Risk Management Professional, Credit
Professional, Credit Skill Assessment Certification, Certified Skill Assessment Certification, Certified Information System
Information System Auditor, Certified Ethical Hacker, Cobit 5 Auditor, Certified Ethical Hacker, Cobit 5 Foundation,
Foundation, Certificate of Competence ”Treasury Dealer” dan “Treasury Dealer”Certificate of Competence as well as auditor
sertifikasi profesi audit internal level auditor dan supervisor. and supervisor level internal audit professional certification.

PROFIL KEPALA SKAI HEAD OF THE IAU PROFILE
Riva Yan Abdillah

Kepala Satuan Kerja Audit Internal
Head of the Internal Audit Unit

Citizenship
Domisili Jakarta
Domicile
Dasar Hukum Pengangkatan Diangkat sebagai Kepala SKAI PT Bank Muamalat Indonesia Tbk berdasarkan Surat Keputusan No. 003/B/
Legal Basis of Appointment DIR- KPTS/1/2021 tanggal 26 Januari 2021
Appointed as the Head of the IAU of PT Bank Muamalat Indonesia Tbk based on Decree No. 003/B/DIR-
KPTS/1/2021 dated 26 January 2021
Riwayat Pendidikan • Sarjana Ekonomi
Educational Background • Bachelor in Economics
Rangkap Jabatan -
Pengalaman Kerja • Internal Audit Group Head, PT Bank MNC International Tbk (2017-2021)
Work Experience • Assistant Head of Internal Audit, PT Bank ICBC Indonesia (2009-2017)
• Internal Audit Team Leader, PT Bank Commonwealth (2006-2009)
• Internal Auditor, PT. Bank Mega Tbk (2003-2006)
• Internal Auditor, PT. Bank Panin Tbk (1997-2003)
• Internal Audit Group Head, PT Bank MNC International Tbk (2017-2021)
• Assistant Head of Internal Audit, PT Bank ICBC Indonesia (2009-2017)
• Internal Audit Team Leader, PT Bank Commonwealth (2006-2009)
• Internal Auditor, PT. Bank Mega Tbk (2003-2006)
• Internal Auditor, PT. Bank Panin Tbk (1997-2003)
Sertifikasi • Certified Risk Management Professional (CRMP)
Certification • Credit Skill Assessment Certification (CSAC)
• Sertifikasi Manajemen Risiko Level 4
Risk Management Certification Level 4
TUGAS DAN TANGGUNG JAWAB SKAI DUTIES AND RESPONSIBILITIES OF THE IAU
Tugas Pokok Main Duties

1. Membantu tugas Direktur Utama dan Dewan 1. Assisting the duties of the President Director and the
Komisaris dalam melakukan pengawasan dengan cara Board of Commissioners in carrying out supervision by
menjabarkan secara operasional baik perencanaan, operationally describing the planning, implementation,
pelaksanaan, maupun pemantauan hasil audit; and monitoring of audit results;
2. Menilai dan mengevaluasi efisiensi dan efektivitas di 2. Assess and evaluate efficiency and effectiveness in
bidang keuangan, akuntansi, operasional, sumber daya finance, accounting, operations, human resources,
manusia, pemasaran, teknologi informasi dan aktivitas marketing, information technology and other activities;
lainnya;
3. Mengidentifikasi segala kemungkinan untuk 3. Identify all possibilities to improve and increase the
memperbaiki dan meningkatkan efisiensi penggunaan efficiency in the use of resources and funds;
sumber daya dan dana;
4. Memberikan saran perbaikan dan informasi yang 4. Provide improvement suggestions and objective
objektif tentang kegiatan yang diperiksa pada semua information on activities audited at all levels of
tingkatan manajemen. management.
2021 Annual Report

Kepala SKAI memiliki tanggung jawab sebagai berikut: The Head of the IAU has the following responsibilities:
1. Membuat perencanaan audit tahunan berdasarkan 1. Prepare the annual audit plan based on a risk-based
pendekatan audit berbasis risiko. Rencana audit tahunan audit approach. The annual audit plan and budget
dan alokasi anggaran harus disetujui oleh Direktur Utama allocation must be approved by the President Director
dan Dewan Komisaris dengan mempertimbangkan and the Board of Commissioners, taking into account the
rekomendasi dari Komite Audit; recommendations of the Audit Committee;
2. Melaksanakan rencana audit tahunan yang telah 2. Implementing the approved annual audit plan;
disetujui;
3. Membuat laporan hasil audit intern dan menyampaikan 3. Preparing the report on the internal audit result and
kepada Direktur Utama dan Dewan Komisaris dengan submit it to the President Director and the Board of
tembusan kepada Direktur Kepatuhan, Direktur Commissioners with a copy to the Compliance Director,
Manajemen Risiko, Direktur terkait, dan Kepala Unit Risk Management Director, related Directors, and related
terkait; Unit Heads;
4. Melakukan pemeriksaan khusus dan atau investigasi 4. Conduct special audits and/or investigations of
atas dugaan pelanggaran kode etik dan/atau fraud alleged violations of the code of conduct and/or fraud
(berkoordinasi dengan fungsi anti-fraud) serta (coordinate with the anti-fraud function) as well as
menyampaikan hasilnya kepada Direktur Utama dan submit the results to the President Director and the
Dewan Komisaris melalui Komite Audit; Board of Commissioners through the Audit Committee;
5. Melakukan pemantauan dan evaluasi atas kecukupan 5. Monitoring and evaluating the adequacy of follow-up
tindak lanjut hasil audit oleh auditee dan menyampaikan on audit results by the auditee and submit reports to
laporan kepada Direktur Utama, Dewan Komisaris, the President Director, Board of Commissioners, Audit
Komite Audit, dan Direktur Kepatuhan; Committee, and Compliance Director;
6. Menentukan strategi pelaksanaan audit intern dengan 6. Determining the internal audit implementation strategy
merumuskan prinsip-prinsip audit intern yang mencakup by formulating internal audit principles, which include
metodologi, perangkat dan teknik audit yang memadai the adequate audit methodology, tools and techniques,
serta metodologi pengendalian mutu audit; as well as audit quality control methodology;
7. Menyampaikan temuan audit terkait pelaksanaan 7. Submitting audit findings related to the implementation
pemenuhan prinsip syariah kepada Dewan Pengawas of compliance with sharia principles to the Sharia
Syariah; Supervisory Board;
8. Dapat berperan sebagai konsultan bagi Bank antara lain 8. Has a role as a consultant for the Bank, among others, by
dengan memberikan tanggapan atas usulan kebijakan, providing feedback on proposed policies, systems, and
sistem, dan prosedur untuk memastikan kecukupan procedures to ensure the adequacy of internal control;
pengendalian intern;
9. Menjaga kompetensi dan profesionalisme auditor 9. Maintaining the competence and professionalism
intern melalui program pendidikan berkelanjutan untuk of internal auditors through continuous education
melengkapi pengetahuan dan ketrampilan auditor intern programs to complement the knowledge and skills of
yang sesuai dengan kompleksitas dan usaha kegiatan internal auditors in accordance with the complexity and
Bank; business activities of the Bank;
10. Mengembangkan metodologi, perangkat dan teknik 10. Developing the adequate audit methodology, tools, and
audit yang memadai secara berkesinambungan untuk techniques on an ongoing basis to improve the efficiency
meningkatkan efisiensi dan efektivitas kinerja Internal and effectiveness of Internal Audit performance;
Audit;
11. Memastikan pelaksanaan fungsi audit intern sesuai 11. Ensuring the implementation of the internal audit
dengan Standar Profesional Audit Intern dan Kode Etik function is in accordance with the Internal Audit
Audit Intern; Professional Standards and the Internal Audit Code of
Conduct;
12. Menyusun dan mengkaji Piagam Audit Intern secara 12. Periodically prepare and review the Internal Audit
berkala; dan Charter; and
13. Memastikan sumber daya manusia memiliki kompetensi 13. Ensuring that the human capital have competence in
sesuai dengan kebutuhan dalam pelaksanaan tugas accordance with the needs in carrying out Internal Audit
Internal Audit. tasks.

PELAKSANAAN AUDIT TAHUN 2021 AUDIT IMPLEMENTATION IN 2021

Di tahun 2021, SKAI telah melaksanakan 19 (Sembilan In 2021, the IAU has carried out 19 (nineteen) audit
belas) penugasan audit baik reguler maupun adhoc assignments, both regular and ad-hoc based on requests
berdasarkan permintaan dari manajemen ataupun of the management or regulators. The audit assignments
regulator. Penugasan audit di tahun 2021 difokuskan pada in 2021 are focused on several activities, including the
beberapa aktivitas, antara lain yaitu pengelolaan jasa pihak management of third-party services and management of
ketiga dan pengelolaan likuiditas selama pandemi COVID-19, liquidity during the COVID-19 pandemic, reporting activities
aktivitas pelaporan ke regulator, aktivitas pembiayaan to regulators, financing activities and management of non-
dan pengelolaan asset bermasalah, pengelolaan produk performing assets, product management and customer
dan keluhan nasabah, operasional dan pengamanan complaints, operations and information security, as well as
informasi serta beberapa tematik audit terkait dokumentasi several thematic audit related to financing documentation
pembiayaan dan pengelolaan kas. and cash management.
Realisasi penugasan audit dan pemenuhan komitmen The realization of audit assignments and fulfillment of
tindak lanjut hasil audit dipantau secara berkala oleh unit commitments to follow-up on audit results are monitored
Quality Assurance yang merupakan fungsi independen pada regularly by the Quality Assurance unit, which is an
organisasi SKAI. independent function in the IAU organization.
FOKUS DAN RENCANA AUDIT TAHUN 2022 FOCUS AND AUDIT PLAN IN 2022
Pemeriksaan SKAI akan dilakukan pada aktivitas yang The IAU audit will be carried out on high-risk activities based
berisiko tinggi berdasarkan hasil risk assessment, yang on the results of the risk assessment, which includes activities
meliputi aktivitas di Kantor Cabang, Kantor Pusat (Bisnis at Branch Offices, Head Office (Business and Supporting
dan Fungsi Pendukung), aktivitas pembiayaan di berbagai Functions), financing activities in various segments, and
segmentasi dan aktivitas Teknologi Informasi, dengan fokus Information Technology activities, with a focus on audit on:
pemeriksaan pada:
1. Pembiayaan pada segmentasi Islamic Business & SME, 1. Financing in the Islamic Business & SME, Consumer
Consumer Financing dan Wholesales Business; Financing, and Wholesales Business segments;
2. Aktivitas operasional pada 5 area yang mencakup 11 2. Operational activities in 5 areas, covering 11 Main Branch
Kantor Cabang Utama, dimana penugasan ini bersifat Offices, where this assignment is thematic in nature
tematik dengan mekanisme surprise audit sebagai with a surprise audit mechanism as a fulfillment of the
pemenuhan pilar deteksi Penerapan Strategi Anti Fraud; detection pillars of Anti Fraud Strategy Implementation;
3. Aktivitas bisnis dan fungsi pendukung di Kantor Pusat, 3. Business activities and support functions at Head Office,
antara lain Treasury & Global Market, procurement dan including Treasury & Global Market, procurement and
vendor management serta 1 anak perusahaan; vendor management, as well as 1 subsidiary;
4. Aktivitas teknologi informasi, antara lain pengembangan 4. Information technology activities, including development
& penyedia jasa pihak ketiga, jaringan komunikasi, & providers of third-party service, communication
rencana pemulihan bencana, electronic banking dan networks, disaster recovery plans, electronic banking,
beberapa aplikasi critical; serta and several critical applications; and
5. Sistem pembayaran dan pelaporan data penjaminan 5. Payment system and customer-based deposit insurance
simpanan berbasis nasabah yang merupakan mandatory data reporting system, which is a mandatory audit from
audit dari regulator. the regulator.
Selain melaksanakan penugasan audit yang tertuang dalam In addition to carrying out audit assignments in the 2022
Rencana Kerja Audit Tahun 2022, pada tahun ini SKAI Audit Work Plan, this year the IAU seeks to develop a
berupaya mengembangkan fungsi audit berbasis teknologi technology-based audit function to strengthen the detection
untuk memperkuat deteksi kelemahan pengendalian of internal control weaknesses using a data query program
intern menggunakan program data query melalui database through the Bank’s information database in order to expand
informasi Bank dalam rangka memperluas coverage area the coverage area and support the development of the Bank
dan mendukung pengembangan Bank di era Digital dan in the Digital and Electronic Banking era.
Electronic Banking.

2021 Annual Report
Audit Eksternal
External Audit
Sebagai bagian dari penerapan independensi pengawasan As part of the implementation of independent supervision
dan audit terhadap pelaporan Laporan Keuangan perusahaan and audit on the reporting of the company’s Financial
dan sebagai bagian dari implementasi GCG, Bank menunjuk Statements and as part of GCG implementation, the Bank
Kantor Akuntan Publik. Sebagai auditor eksternal, fungsinya appoints a Public Accounting Firm. As an external auditor,
untuk memastikan pencatatan akuntansi Bank telah disusun its function is to ensure that the Bank’s accounting records
sesuai dengan ketentuan Pernyataan Standar Akuntansi dan have been prepared in accordance with the provisions of the
Keuangan (PSAK) dengan opini yang wajar. Statement of Accounting and Financial Standards (SAFS) with
a fair opinion.
Laporan Keuangan Konsolidasian Bank Muamalat Indonesia The Consolidated Financial Statements of Bank Muamalat
untuk tahun buku 2021 telah diaudit oleh Kantor Akuntan Indonesia for the 2021 fiscal year have been audited by the
Publik (KAP) Doli, Bambang, Sulistiyanto, Dadang dan Ali Public Accounting Firm (KAP) Doli, Bambang, Sulistiyanto,
(dbsd&a) yang telah terdaftar di Otoritas Jasa Keuangan, Dadang and Ali (dbsd&a), which have been registered
dengan biaya audit sebesar Rp1.100.000.000. Penunjukan with the Financial Services Authority, with an audit fee of
KAP tersebut dilakukan oleh Dewan Komisaris. Rp1,100,000,000. The KAP appointment is made by the
AKUNTAN PUBLIK BANK MUAMALAT BANK MUAMALAT INDONESIA PUBLIC

INDONESIA TAHUN BUKU 2021 ACCOUNTANT FOR THE 2021 FISCAL YEAR
Nama Doli Diapary Siregar, CPA
Name
Nomor Registrasi AP dari AP.0396
Menteri Keuangan
AP Registration Number from
the Minister of Finance
Nomor Surat Tanda Perbankan | Banking
Terdaftar AP STTD.AP-194/PB.122/2018
AP Registered Certificate Bank Syariah | Islamic Bank
Number STTD.APS-53/PB.122/2018
Pasar Modal | Capital market
STTD.AP-314/PM.22/2018
Tahun Penugasan Ke-1
Year of Assignment 1st
KANTOR AKUNTAN PUBLIK BANK BANK MUAMALAT INDONESIA PUBLIC

MUAMALAT INDONESIA DALAM 5 TAHUN ACCOUNTING FIRM IN THE LAST 5 YEARS
Kantor Akuntan
Tahun Biaya
Signing Partner Kantor Akuntan Publik Asing
Pemeriksaan (Rp)
Signing Partner Public Accounting Firm Foreign Accounting
Audit Year Fee (Rp)
Office
2021 Doli Diapary Siregar, CPA Doli, Bambang, Sulistiyanto, Dadang dan Ali (dbsd&a) BKR Internasional 1.100.000.000
2020 Bambang Sulistiyanto, CPA Doli, Bambang, Sulistiyanto, Dadang dan Ali (dbsd&a) BKR Internasional 1.300.000.000
2019 Bambang Sulistiyanto, CPA Doli, Bambang, Sulistiyanto, Dadang dan Ali (dbsd&a) BKR Internasional 800.000.000
2018 Doli Diapary Siregar, CPA Doli, Bambang, Sulistiyanto, Dadang dan Ali (dbsd&a) BKR Internasional 1.000.000.000
2017 Doli Diapary Siregar, CPA Doli, Bambang, Sulistiyanto, Dadang dan Ali (dbsd&a) BKR Internasional 900.000.000
JASA LAIN OTHER SERVICES

Tidak terdapat jasa lain yang diberikan, selain audit atas There were no other services provided, other than the audit
laporan keuangan on the financial statements

Sistem Manajemen Risiko

Penjelasan mengenai Manajemen Risiko disajikan pada Bab Description of Risk Management is presented in the Business
Fungsi Penunjang Bisnis pada sub bab Manajemen Risiko. Support Functions Chapter in the Risk Management sub-chapter.
Satuan Kerja Kepatuhan

Compliance Unit
Fungsi kepatuhan merupakan serangkaian tindakan atau The compliance function is a series of preventive actions or
langkah-langkah yang bersifat preventif untuk memastikan measures to ensure that the policies, provisions, systems and
bahwa kebijakan, ketentuan, sistem dan prosedur serta procedures, as well as business activities carried out by the
kegiatan usaha yang dilakukan oleh Bank telah sesuai Bank are in accordance with the provisions of the Financial
dengan ketentuan Otoritas Jasa Keuangan dan ketentuan Services Authority and the provisions of other laws and
peraturan perundang-undangan lainnya, termasuk prinsip regulations, including sharia principles. The establishment
syariah. Pembentukan Satuan Kerja Kepatuhan merujuk of the Compliance Unit is pursuant to the Financial Services
pada Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2017 Authority Regulation No. 46/POJK.03/2017 dated 12 July 2017
tanggal 12 Juli 2017 tentang Pelaksanaan Fungsi Kepatuhan on the Implementation of Commercial Bank Compliance
Bank Umum. Functions.
Berdasarkan tujuannya tersebut, Satuan Kerja Kepatuhan Based on these objectives, the Compliance Unit and
bersama Direktur yang membawahi fungsi kepatuhan, the Director in charge of the compliance function, must
wajib selalu berkoordinasi dengan Dewan Pengawas Syariah always coordinate with the Sharia Supervisory Board in
dalam pelaksanaan fungsi kepatuhan terhadap prinsip implementing the function of compliance with sharia
Satuan Kerja Kepatuhan juga memastikan kepatuhan Bank The Compliance Unit also ensures the Bank’s compliance
terhadap komitmen yang dibuat oleh Bank kepada Otoritas with the commitments made by the Bank to the Financial
Jasa Keuangan dan/atau otoritas pengawas lain yang Services Authority and/or other competent supervisory
berwenang. authorities.
Direktur Kepatuhan Bank Muamalat Indonesia telah The Compliance Director of Bank Muamalat Indonesia has
memenuhi persyaratan sesuai dengan peraturan met the requirements in accordance with the applicable
perundangan yang berlaku dan telah efektif lulus Penilaian laws and regulations and has effectively passed the Fit and
Kemampuan dan Kepatutan dari OJK tanggal 27 Juni 2016. Proper Test from the FSA dated 27 June 2016. The following
Berikut adalah tugas dan tanggung jawab Direktur yang is the duties and responsibilities of the Director in charge of
membawahkan Fungsi Kepatuhan sesuai dengan Peraturan the Compliance Function in accordance with the Financial
Otoritas Jasa Keuangan No. 46/POJK.03/2017: Services Authority Regulation No. 46/POJK.03/2017:
1. Menyusun strategi untuk mendorong terciptanya 1. Develop a strategy to encourage the creation of Bank
Budaya Kepatuhan Bank. Compliance Culture.
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip 2. Propose compliance policies or principles to be approved
kepatuhan yang akan ditetapkan oleh Direksi. by the Board of Directors.
3. Menetapkan sistem dan prosedur kepatuhan yang 3. Establish compliance systems and procedures that are
digunakan untuk menyusun ketentuan dan pedoman used to formulate the Bank’s internal provisions and
internal Bank. guidelines.

2021 Annual Report
4. Memastikan seluruh kebijakan, ketentuan, sistem, dan 4. Ensure that all policies, regulations, systems and
prosedur, serta kegiatan usaha yang dilakukan Bank procedures, as well as business activities conducted by
telah sesuai dengan ketentuan Otoritas Jasa Keuangan the Bank, comply with the provisions of the Financial
dan ketentuan peraturan perundang-undangan, Services Authority and laws and regulations, including
termasuk prinsip syariah bagi bank umum syariah dan sharia principles for sharia commercial banks and sharia
unit usaha syariah. business units.
5. Meminimalisasi dan menekan risiko kepatuhan Bank. 5. Lower and minimize the Bank’s compliance risk.
6. Melakukan tindakan pencegahan agar kebijakan 6. Take preventive measures to ensure that policies and/
dan/atau keputusan yang diambil Direksi Bank atau or decisions taken by the Board of Directors of the Bank
pimpinan kantor cabang dari Bank yang berkedudukan or the head of the branch office of the Bank domiciled
di luar negeri tidak menyimpang dari ketentuan Otoritas overseas do not deviate from the provisions of the
Jasa Keuangan dan ketentuan peraturan perundang- Financial Services Authority and the provisions of laws
undangan. and regulations.
7. Melakukan tugas lain yang terkait dengan fungsi 7. Perform other duties related to the compliance function.
kepatuhan.
Dalam melaksankan tugasnya, Direktur Kepatuhan dibantu In carrying out its duties, the Compliance Director is assisted
oleh Satuan Kerja Kepatuhan Bank Muamalat Indonesia yang by the Compliance Unit of Bank Muamalat Indonesia, which
dibentuk secara tersendiri dan bebas dari pengaruh satuan is established separately and is free from the influence of
kerja lainnya. Satuan Kerja tersebut memiliki akses langsung other work units. The Compliance Unit has direct access to
kepada Direktur yang membawahkan fungsi kepatuhan. the Director in charge of the compliance function.
Kepala Satuan Kerja Kepatuhan BMI telah memenuhi kriteria The Head of the Compliance Unit has met the criteria set by
yang ditetapkan oleh regulasi, antara lain persyaratan the regulations, including the independence requirements,
independensi, menguasai ketentuan Otoritas Jasa Keuangan mastering the provisions of the Financial Services Authority
(OJK)/Bank Indonesia dan peraturan perundang-undangan (FSA)/ Bank Indonesia and the prevailing laws and regulations
yang berlaku dan tidak melaksanakan tugas lainnya di luar and not carrying out other duties outside the compliance
fungsi kepatuhan. function.
PROFIL KEPALA SATUAN KERJA HEAD OF THE COMPLIANCE UNIT

KEPATUHAN PROFILE
Dyah Ekowati
Kepala Satuan Kerja Kepatuhan
Head of the Compliance Unit

Citizenship
Domisili Jakarta
Domicile

Dasar Hukum Pengangkatan Surat Keputusan Direksi PT Bank Muamalat Indonesia Tbk No. 080/DIR/KPTS/VIII/2009 tanggal 25 Agustus
Legal Basis of Appointment 2009 tentang Mutasi dan Penyempurnaan Penetapan Pejabat Compliance Division Head
Decree of the Board of Directors of PT Bank Muamalat Indonesia Tbk No. 080/DIR/KPTS/VIII/2009 dated
August 25, 2009 on the Transfer and Improvement of the Appointment of Compliance Division Head
Officer
Riwayat Pendidikan • Sarjana Pertanian Institut Pertanian Bogor (1996)
Educational Background • Muamalat Officer Development Program (1997)
• Sertifikasi Manajemen Risiko Level 4, Lembaga Sertifikasi Profesi Perbankan
• Sertifikasi Manajemen Kepatuhan Level 2, Lembaga Sertifikasi Profesi Perbankan
• Bachelor in Agriculture Science, Institut Pertanian Bogor (1996)
• Muamalat Officer Development Program (1997)
• Certification of Risk Management Level 4, Banking Professional Certification Institute
• Certification of Compliance Management Level 2, Banking Professional Certification Institute
Rangkap Jabatan –
Pengalaman Kerja • Kepala Satuan Kerja Kepatuhan (2009-sekarang)
Work Experience • Compliance & Risk Management Group Head (2009)
• Kebijakan dan Produk Pembiayaan Divisi Pembiayaan (2003-2009)
• Account Manager Cabang Bumi Serpong Damai (1997-2002)
• Head of Compliance Unit (2009-present)
• Compliance & Risk Management Group Head (2009)
• Financing Policy and Products of the Financing Division (2003-2009)
• Account Manager at Bumi Serpong Damai Branch (1997-2002)
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESONSIBILITIES

Berikut adalah tugas dan tanggung jawab Satuan Kerja The following are the duties and responsibilities of the
Kepatuhan, yang mencakup: Compliance Unit, which include:
1. Membantu menetapkan langkah-langkah yang 1. To assist in determining the necessary measures in order
diperlukan untuk memastikan kepatuhan Bank dalam to ensure the Bank’s compliance in fulfilling all internal
memenuhi seluruh peraturan internal dan eksternal and external regulations as well as other applicable laws
serta peraturan perundang-undangan lain yang berlaku and regulations in the context of the prudence principle.
dalam rangka prinsip kehati-hatian.
2. Membantu memantau dan menjaga kegiatan usaha 2. Provide assistance in monitoring and maintaining
Bank agar tidak menyimpang dari ketentuan yang the Bank’s business activities to not deviate from the
berlaku. applicable regulations.
3. Menyusun langkah-langkah dalam rangka mendukung 3. Formulate steps in order to support the creation of a
terciptanya Budaya Kepatuhan pada seluruh kegiatan Compliance Culture in all Bank business activities at
usaha Bank pada setiap jenjang organisasi, every level of the organization,
4. Mengidentifikasi, mengukur, memantau, dan 4. Identifying, measuring, monitoring, and controlling
mengendalikan Risiko Kepatuhan dengan mengacu pada Compliance Risk by referring to the regulations of the
ketentuan Otoritas Jasa Keuangan mengenai Penerapan Financial Services Authority on the Risk Management
Manajemen Risiko bagi Bank Umum Syariah dan Unit Implementation for Sharia Commercial Banks and Sharia
Usaha Syariah. Business Units.
5. Memantau dan mengevaluasi secara berkala 5. Periodically monitor and evaluate the development
terhadap perkembangan risiko-risiko kepatuhan dan of compliance risks and internal control for the Bank’s
pengendalian internal untuk kepentingan Bank sesuai interest in accordance with business developments.
dengan perkembangan bisnis.
6. Menilai dan mengevaluasi atas efektivitas, kecukupan, 6. 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 peraturan and procedures with the laws and regulations.
perundang-undangan.
7. Mengkaji ulang dan/atau merekomendasikan 7. Review and/or recommend updating and refinement of
pemutakhiran dan penyempurnaan kebijakan, policies, regulations, systems and procedures currently
ketentuan, sistem maupun prosedur yang dimiliki applied by the Bank to comply with the provisions of the
oleh Bank agar sesuai dengan ketentuan Otoritas Financial Services Authority and laws and regulations,
Jasa Keuangan dan peraturan perundang-undangan, including sharia principles.
termasuk prinsip syariah.

2021 Annual Report
8. Mengupayakan untuk memastikan bahwa kebijakan, 8. Strive to ensure that the Bank’s policies, regulations,
ketentuan, sistem dan prosedur, serta kegiatan usaha systems and procedures, as well as business activities
Bank telah sesuai dengan ketentuan Otoritas Jasa are in accordance with the rules of the Financial Services
Keuangan dan peraturan perundang-undangan. Authority and laws and regulations.
9. Memastikan Bank telah patuh terhadap komitmen yang 9. Ensure that the Bank has complied with the commitments
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/ made by the Bank to the Financial Services Authority
atau otoritas pengawas lain yang berwenang. and/or other competent supervisory authorities.
10. Melakukan sosialisasi hal-hal yang terkait dengan Fungsi 10. To disseminate matters related to the Compliance
Kepatuhan terutama mengenai ketentuan yang berlaku Function, especially regarding the applicable regulations
kepada seluruh karyawan Bank. to all Bank employees.
11. Menjalankan peran konsultatif sebagai strategic business 11. Carry out a consultative role as a strategic business
partner guna pencegahan dalam rangka mitigasi risiko partner for prevention in order to mitigate compliance
kepatuhan dan memberikan rekomendasi untuk risk and provide recommendations for improvement
perbaikan serta peningkatan efektivitas kepatuhan, and enhancement of compliance effectiveness, internal
pengendalian internal dan GCG. control and GCG.
12. Menjalankan tugas-tugas lainnya yang terkait dengan 12. Carry out other duties related to the compliance function.
fungsi kepatuhan.
STRUKTUR ORGANISASI UNIT KERJA ORGANIZATIONAL STRUCTURE OF THE

KEPATUHAN COMPLIANCE FUNCTION
Per 31 Desember 2021, organisasi Satuan Kerja Kepatuhan As of 31 December 2021, the organization of Bank Muamalat
Bank Muamalat Indonesia terdiri 16 (enam belas) karyawan. Indonesia’s Compliance Unit consists of 16 (sixteen)
Adapun struktur organisasinya digambarkan dalam bagan employees. The organizational structure is described in the
berikut ini. following chart.
Compliance, Risk, & Legal

Director
Head of Compliance
Head of General Compliance & Head of Sharia Compliance &

Head of STU AML & PTF
Governance Assurance
• 2 orang General Compliance Officer

• 1 orang Governance Officer
• 1 orang Officer Compliance Cabang • 3 orang Officer • 2 orang Officer Sharia Compliance
Kuala Lumpur • 2 orang Staf • 1 orang Officer Assurance
• 2 General Compliance Officers • 3 Officers • 2 Sharia Compliance Officers
• 1 Governance Officer • 2 Staff • 1 person Assurance Officer
• 1 Compliance Officer Kuala Lumpur
Branch
KUALIFIKASI DAN SERTIFIKASI QUALIFICATION AND CERTIFICATION

Personel Satuan Kerja Kepatuhan BMI senantiasa The personnel of the Compliance Unit of BMI always strive
mengupayakan kompetensi yang memadai dan sesuai for adequate competence and in accordance with their
dengan tugas dan tanggung jawabnya. Berikut adalah duties and responsibilities. The following is a summary of the
rangkuman sertifikasi yang dimiliki oleh personel Satuan certifications held by personnel of the Compliance Unit up to
Kerja Kepatuhan hingga berakhirnya tahun buku 2021. the end of the 2021 fiscal year.

Daftar Sertifikasi Pengelola Satuan Kerja List of Compliance Unit Manager Certification
Kepatuhan
Nama Sertifikasi Level Jumlah Orang
Name of Certification Level Total Personnel
Kepatuhan 1 5
Compliance
2 2
Manajemen Risiko 1 1
Risk Management
2 8
3 3
4 1
PELAKSANAAN TUGAS 2021 DUTY IMPLEMENTATION IN 2021

Hingga 31 Desember 2021, Satuan Kerja Kepatuhan telah As of 31 December 2021, the Compliance Unit has carried
menjalankan tugasnya, yang mencakup antara lain: out its duties, which include, among others:
1. Melaksanakan kampanye budaya kepatuhan melalui 1. Carrying out a compliance culture campaign by sharing
sharing informasi regulasi dan fatwa, memberikan regulatory information and fatwas, providing opinions
opini terhadap penerapan regulasi dan aspek syariah, on the implementation of regulations and sharia aspects,
melakukan reminder kepada unit kerja terkait mengenai providing reminders to related work units regarding
pemenuhan regulasi serta melakukan pelatihan dan regulatory compliance as well as conducting training and
sharing knowledge. knowledge sharing.
2. Memberikan opini/saran dari sisi kepatuhan umum dan 2. Provide opinions/suggestions in terms of general and
syariah kepada unit kerja terkait dengan pengembangan sharia compliance to work units related to product
produk, program, ketentuan, aktivitas operasional dan development, programs, regulations, operational
permasalahan compliance yang dihadapi. activities and compliance issues faced.
3. Memonitor aspek kehati-hatian Bank dengan 3. Monitor the prudential aspects of the Bank by issuing the
menerbitkan dashboard prudential banking agar sesuai prudential banking dashboard to comply with applicable
dengan regulasi yang berlaku yaitu terkait Kewajiban regulations, namely the Minimum Capital Adequacy
Penyediaan Modal Minimum (KPMM), Batas Maksimum Requirement (CAR), Legal Lending Limit (LLL), Net
Penyaluran Dana (BMPD), Posisi Devisa Neto (PDN), Open Position (NOP), Asset Quality, Allowance for Asset
Kualitas Aset (KA), Penyisihan Penghapusan Aset Losses, Statutory Reserves, Sharia Macroprudential
(PPA), Giro Wajib Minimum (GWM), Rasio Intermediasi Intermediation Ratio, Sharia RIM Demand Deposit
Makroprudential (RIM) Syariah, Pemenuhan giro RIM Fulfillment, Sharia Monetary Liquidity Buffer (PLM) and
Syariah, Penyangga Likuiditas Moneter (PLM) Syariah Foreign Loans.
dan Utabg Luar Negeri (ULN).
4. Menilai dan mengevaluasi efektivitas, kecukupan, 4. Assess and evaluate the effectiveness, adequacy, and
dan kesesuaian kebijakan, ketentuan, sistem maupun conformity of the Bank’s policies, provisions, systems
prosedur yang dimiliki oleh Bank dengan ketentuan and procedures with the prevailing laws and regulations
peraturan perundang-undangan dan ketentuan syariah and sharia provisions
yang berlaku
5. Mengembangkan compliance checklist untuk memastikan 5. Develop the Compliance Checklist, which aims at
kesiapan operasional pembukaan, pemindahan alamat ensuring operational readiness for opening, changing
dan perubahan status kantor dan perizinan produk addresses and changing office status before submitting
sebelum disampaikan kepada Otoritas Jasa Keuangan the submission to the Financial Services Authority (FSA)
(OJK)
6. Melakukan reminder terhadap kewajiban pelaporan 6. Perform reminders on reporting obligations to the
kepada Orotitas Jasa Keuangan/Bank Indonesia dan Financial Services Authority/ Bank Indonesia and other
Otoritas Pengawas lainnya. supervisory authorities.
7. Melakukan training dan sharing knowledge dengan materi 7. Conduct training and knowledge sharing with materials
kepatuhan umum, APU PPT dan syariah. on general compliance, AML-CFT and sharia.
8. Menyampaikan e-mail blast dengan materi regulasi baru, 8. Sending email blasts with materials on new regulations,
fatwa, APU PPT dan Tata Kelola Perusahaan. fatwas, AML-CFT and Corporate Governance.
9. Sertifikasi Basic Sharia secara internal guna meningkatkan 9. Internal Basic Sharia certification to improve employee
kompetensi karyawan terkait aspek syariah. competence in relations to sharia aspects.

2021 Annual Report
10. Sertifikasi APU – PPT secara internal untuk meningkatkan 10. Internal AML-CFT certification to improve employee
kompetensi karyawan di bidang APU-PPT melalui competence in the field of AML-CFT field through
E-Learning. E-Learning.
11. Mengembangkan materi training kepatuhan 11. Develop compliance training materials to improve the
untuk meningkatkan kualitas karyawan Bank agar quality of the Bank’s employees in order to improve
meningkatkan budaya kepatuhan serta memitigasi risiko compliance culture as well as mitigate compliance risk
kepatuhan
12. Menerbitkan e-book APU – PPT sebagai salah satu sarana 12. Publishing the AML-CFT e-books as a learning tool.
pembelajaran.
13. Membuat podcast terkait APU – PPT dan Syariah sebagai 13. Creating podcasts related to AML-CFT and Sharia as a
salah satu sarana sosialisasi. means of socialization.
14. Membuat panduan seleksi syariah dalam pembiayaan 14. Making sharia selection guidelines in financing and sharia
dan panduan syariah untuk kerja sama bank dengan guidelines for bank collaboration with third parties
pihak ketiga
15. Menyampaikan data debitur group kepada Unit Kerja 15. Submit the group debtor data to the related Work Units
terkait secara rutin bulanan sebagai acuan dalam on a monthly basis as a reference in providing financing
pemberian pembiayaan kepada Nasabah Group agar to Group Customers so as not to violate the LLL.
tidak melanggar BMPD.
16. Menyampaikan Laporan Pengawasan DPS kepada 16. Submitting the SSB Supervision Report to the
Manajemen Bank dan OJK. Management of the Bank and FSA.
17. Menyampaikan laporan terkait kepatuhan dan GCG 17. Submit reports related to compliance and GCG to the
kepada Otoritas Jasa Keuangan. Financial Services Authority.
PENGELOLAAN DAN MITIGASI RISIKO MANAGEMENT AND MITIGATION OF

KEPATUHAN COMPLIANCE RISK
Bank Muamalat merupakan entitas yang sarat dengan Bank Muamalat is an entity that is full of compliance with
pemenuhan peraturan perundang-undangan, sehingga statutory regulations, therefore compliance risk is one of
risiko kepatuhan menjadi salah satu risiko penting yang the important risks that must be anticipated by the Bank.
harus diantisipasi oleh Bank. Risiko kepatuhan muncul Compliance risk arises if the Bank does not comply with or
apabila Bank tidak mematuhi atau tidak melaksanakan does not implement the regulations of the Financial Services
peraturan Otoritas Jasa Keuangan dan/atau Bank Indonesia, Authority and/or Bank Indonesia, as well as other applicable
maupun peraturan perundang-undangan lainnya yang laws and regulations.
berlaku.
Mengacu pada kondisi tersebut, Bank senantiasa Referring to these conditions, the Bank always maximizes its
memaksimalkan upaya untuk dapat melaksanakan efforts to be able to implement the applicable provisions and
ketentuan dan peraturan yang berlaku dengan baik regulations in a proper manner and continuously takes steps
dan secara terus menerus melakukan langkah-langkah to improve the quality of risk management, internal control
perbaikan dalam kualitas manajemen risiko, sistem system, and implementation of good governance, as well
pengendalian internal dan pelaksanaan tata kelola yang baik as taking into account the prudential principles and sharia
serta memperhatikan prinsip kehati-hatian maupun prinsip principles in carrying out bank operational activities.
syariah dalam menjalankan kegiatan operasional bank.
Rapat Risk Management Committee (RMC) secara berkala The Risk Management Committee (RMC) meeting is
diselenggarakan untuk membahas pengelolaan risiko periodically held to discuss compliance risk management,
kepatuhan dibahas dan disajikan dalam Laporan Profil Risiko which is discussed and presented in the Bank’s Risk Profile
Bank yang disampaikan kepada Otoritas Jasa Keuangan Report that is submitted to the Financial Services Authority
secara triwulanan maupun Laporan Tingkat Kesehatan Bank on a quarterly basis as well as in the Bank Soundness Level
secara semesteran. Report on a semester basis.

Sebagai upaya pengelolaan risiko kepatuhan, sepanjang As an effort to manage compliance risk, during 2021, the
tahun 2021, Bank telah melakukan mitigasi risiko kepatuhan Bank has mitigated compliance risk, including:
di antaranya:
1. Melakukan sharing informasi regulasi dan fatwa, 1. Sharing regulatory information and fatwas, providing
memberikan opini terhadap penerapan regulasi dan opinions on the implementation of regulations and
aspek syariah dan melakukan reminder kepada unit kerja sharia aspects as well as providing reminders to work
terkait pemenuhan regulasi. units related to regulatory compliance.
2. Melakukan pemantauan terhadap prudential aspect 2. Monitor the prudential aspects, namely the Minimum
bank antara lain Kewajiban Penyediaan Modal Minimum Capital Adequacy Requirement (CAR), Net Open Position
(KPMM), Posisi Devisa Neto (PDN), Giro Wajib Minumum (NOP), Statutory Reserves, Sharia Macroprudential
(GWM), Rasio Intermediasi Makroprudensial (RIM) Intermediation Ratio, Sharia RIM Demand Deposit
syariah, Giro RIM syariah, Penyangga Likuiditas Moneter Fulfillment, Sharia Monetary Liquidity Buffer, Foreign
(PLM) syariah, Utang Luar Negeri (ULN), Kualitas Aset dan Loans, Asset Quality, and Legal Lending Limit (LLL).
Batas Maksimum Penyaluran Dana (BMPD).
3. Melakukan Compliance Checklist yang bertujuan untuk 3. Carry out a Compliance Checklist which aims at ensuring
memastikan kesiapan operasional pembukaan, operational readiness for opening, changing addresses
pemindahan alamat dan perubahan status kantor and changing office status before submitting the
sebelum pengajuan tersebut disampaikan kepada submission to the Financial Services Authority (FSA).
Otoritas Jasa Keuangan (OJK).
4. Melakukan reminder terhadap kewajiban pelaporan 4. Melakukan reminder terhadap kewajiban pelaporan
kepada Orotitas Jasa Keuangan/Bank Indonesia dan kepada Orotitas Jasa Keuangan/Bank Indonesia dan
Otoritas Pengawas lainnya. Otoritas Pengawas lainnya.
5. Melakukan pendampingan kepada unit kerja dan/ 5. Provide assistance to work units and/or business units
atau unit bisnis dalam melakukan penerbitan produk, in issuing products, programs, operations, socialization
program, operasional, sosialisasi dan/atau pendekatan and/or approaches to customers and prospective
terhadap nasabah dan calon nasabah serta melakukan customers as well as conducting training/sharing to new
pelatihan/sharing kepada karyawan baru maupun employees as well as to internal parties of the bank.
kepada pihak internal bank.
6. Melakukan penguatan atas penerapan Program APU 6. Strengthening the implementation of the AML and CFT
dan PPT mengacu pada Kebijakan Penerapan APU dan Programs referring to the AML and CFT Implementation
PPT yang paling kurang mencakup 5 (lima) pilar, yaitu: Policies which at least cover 5 (five) pillars, namely:
a. Pengawasan Aktif Dewan Komisaris dan Direksi; a. Active Supervision of the Board of Commissioners
and Board of Directors;
b. Kebijakan dan Prosedur; b. Policies and Procedures;
c. Pengendalian Intern; c. Internal Control;
d. Sistem Informasi Manajemen; dan d. Management Information System; and
e. Sumber Daya Manusia dan Pelatihan. e. Human Resources and Training.

2021 Annual Report
Anti Pencucian Uang dan Pencegahan

Pendanaan Terorisme (APU & PPT)
Anti Money Laundering and Counter Financing of Terrorism (AML & CFT)
BMI senatiasa memantuhi peraturan perundang-undangan BMI always complies with the laws and regulations and
dan berbagai peraturan lainnya terkait Prinsip Anti various other regulations related to the Principles of Anti-
Pencucian Uang dan Pencegahan Pendanaan Terorisme Money Laundering and Counter Financing of Terrorism
(APU & PPT). Sebagai bentuk kepatuhan tersebut, Bank wajib (AML & CFT). As a form of compliance, Banks are required
membentuk Unit Kerja Khusus atau menunjuk Pejabat Bank to establish a Special Work Unit or appoint Bank Officers
yang bertanggung jawab atas penerapan program APU dan responsible for the implementation of the AML and CFT
PPT. Dalam hal ini, penanggung jawab APU & PTT di Bank programs. In this case, the person in charge of AML & CFT at
ialah Unit Kerja APU-PPT yang berada di bawah Kepala the Bank is the AML-CFT Work Unit, which is under the Head
Satuan Kerja Kepatuhan/Compliance. of the Compliance Unit.
Implementasi APU & PTT juga sangat membutuhkan The implementation of AML & CFT also requires special
perhatian khusus dan peran aktif dari Direksi dan Dewan attention and an active role from the Board of Directors and
Komisaris di samping penanganan oleh unit terkait karena Board of Commissioners in addition to handling by related
dapat mempengaruhi tingkat pencapaian tujuan organisasi units as it can affect the level of achievement of organizational
dalam penerapan Program APU dan PPT. Peranan Direksi goals in implementing AML and CFT Programs. The main role
dan Dewan Komisaris utamanya ialah untuk memotivasi of the Board of Directors and the Board of Commissioners
karyawan dan unit kerja dalam mendorong terbentuknya is to motivate employees and work units in encouraging a
budaya kepatuhan di seluruh jajaran organisasi. culture of compliance at all levels of the organization.
Bank memiliki beragam program yang sejalan dengan The bank has a variety of programs that are in line with
aturan tersebut. Program tersebut didasari oleh prinsip tata these regulations. The program is based on the principles
kelola perusahaan yang baik sehingga mampu menciptakan of good corporate governance in order to create effective
pengawasan yang efektif dan efisien. Salah satu yang telah and efficient supervision. One that has been implemented
dijalankan oleh Bank Muamalat Indonesia ialah Customer by Bank Muamalat Indonesia is the Customer Due Diligence
Due Diligence (CDD) yang sebelumnya dikenal dengan Prinsip (CDD), previously known as the Know Your Customer
Mengenal Nasabah (Know Your Customer). Principle.
CDD merupakan identifikasi, verifikasi, dan pemantauan CDD is identification, verification, and monitoring carried out
yang dilakukan Bank untuk memastikan bahwa transaksi by the Bank to ensure that the transaction is in accordance
tersebut sesuai dengan profil calon nasabah, walk in with the profile of a prospective customer, walk-in customer,
customer, atau pun nasabah. Dengan begitu, diharapkan or bank customer. By doing so, it is expected that it will
mampu mencegah dijadikannya Bank Muamalat Indonesia be able to prevent the establishment of Bank Muamalat
sebagai sarana transaksi uang kejahatan dan pendukung Indonesia as a means of criminal money transactions and
kegiatan pemberantas serta pencegahan terjadinya tindakan to support eradication and prevention of money laundering
pencucian uang dan pendanaan terorisme. and financing of terrorism.
Sepanjang 2021, Bank telah melakukan kegiatan terkait During 2021, the Bank has carried out activities related to
penerapan program APU & PTT antara lain sebagai berikut: the implementation of the AML & CFT program, including the
following:
a. Sharing informasi atau reminder terkait dengan a. Sharing information or reminders related to the
penerapan Program APU & PPT kepada seluruh unit implementation of the AML & CFT Program to all related
kerja terkait. work units.
b. Aktivitas penyusunan dan penyampaian laporan b. Report preparation and submission activities (LTKM,
(LTKM, LTKT, LTKL, SIPESAT) serta melakukan kegiatan LTKT, LTKL, SIPESAT) as well as updating and monitoring
pengkinian dan pemantauan data nasabah. customer data.
c. Melakukan Pemeliharaan Daftar Terduga Teroris dan c. Maintain the List of Suspected Terrorists and Terrorist
Organisasi Teroris (DTTOT) serta Daftar Pendanaan Organizations (DTTOT) and the List of Funding for the
Proliferasi Senjata Pemusnah Massal. Proliferation of Weapons of Mass Destruction.

d. Pemantauan implementasi penggolongan risiko d. Monitoring the implementation of customer risk

nasabah menggunakan metode Risk Based Approach classification using the Risk-Based Approach (RBA)
(RBA), indikasi Transaksi Keuangan Mencurigakan (alert method, indication of Suspicious Financial Transactions
TKM), dan orang/badan usaha yang ditetapkan sebagai (SFT alert), and persons/business entities designated as
Tersangka atau terdakwa kasus korupsi/pencucian uang. suspects or defendants in corruption/ money laundering
cases.
e. Review Kebijakan, Pedoman, Prosedur Pelaksanaan, e. Reviewing New Policies, Guidelines, Implementation
Produk atau Aktivitas Baru yang terkait dengan Procedures, Products or Activities related to the
penerapan program APU & PPT. implementation of the AML & CFT program.
f. Pemenuhan permintaan data/informasi/dokumen f. Fulfillment of requests for data/information/documents
dari pihak eksternal terutama Aparat Penegak Hukum from external parties, especially from Law Enforcement
(Apgakum) atau Lembaga Pengawas dan Pengatur (LPP). Officials or the Supervisory and Regulatory Agency.
g. Pemenuhan permintaan data/informasi/dokumen dari g. Fulfillment of requests for data/information/ documents
(PPATK) dalam rangka FIR. from (PPATK) in the context of FIR.
h. Melakukan review dan/atau memberikan opini APU & PPT h. Review and/or provide AML & CFT opinions related to
terkait dengan produk, operasional maupun aktivitas products, operations, and activities of the Bank.
Bank.
i. Menyampaikan proses kegiatan pengikinian data i. Delivering the process of updating customer data with a
nasabah dengan skala prioritas antara lain untuk priority scale, including for customers with the high risk
nasabah dengan kategori high risk, aktif bermutasi dan category, active in transaction and with a large balance.
bersaldo cukup besar.
j. Pengisian KYC/AML Questionnaire yang merupakan j. Filling in KYC/AML Questionnaire, which is part of
bagian dari kegiatan koresponden banking guna correspondent banking activities to ensure that the
memastikan penerapan AML/KYC dilaksanakan sesuai implementation of AML/ KYC implementaton is carried
dengan ketentuan. out in accordance with regulations.
k. Penyampaian Informasi kepada Komisi Pemberantasan k. Submission of information to the Corruption Eradication
Korupsi Republik Indonesia (KPK-RI) dan Laporan kepada Commission of the Republic of Indonesia (KPK-RI) and
Pusat Pelaporan dan Analisis Transaksi Keuangan reports to the Financial Transaction Reports and Analysis
(PPATK). Center (PPATK).
l. Melakukan monitoring CIF dalam rangka memastikan l. Monitor CIF in order to ensure the Bank maintains
Bank memelihara profil Nasabah secara terpadu (Single an integrated Customer profile (Single CIF) to reduce
CIF) untuk mengurangi data-data CIF yang duplicate. duplicate of CIF data.
m. Pelatihan/sosialisasi/coaching terkait penerapan m. Training/socialization/coaching related to the
Program APU & PPT kepada karyawan terkait. implementation of the AML & CFT Program to related
employees.
n. Mengikuti pelatihan/workshop terkait APU & PPT dari n. Attending training/workshops related to AML & CFT from
PPATK, OJK dan FKDKP PPATK, FSA, and FKDKP
o. Menyelenggarakan program sertifikasi APU & PPT o. Organizing the AML & CFT certification program
yang dilaksanakan secara internal bekerja sama which is carried out internally in collaboration with
dengan Learning & Talent Management dalam rangka Learning & Talent Management in order to increase the
meningkatkan pemahaman seluruh karyawan terhadap understanding of all employees on the implementation
penerapan Anti Pencucian Uang dan Pencegahan of Anti Money Laundering and Counter Financing of
Pendanaan Terorisme (APU & PPT). Terrorism (AML & CFT).
p. Implementasi Project GoAML. p. Implementation of the GoAML Project.

2021 Annual Report
Perkara Penting
Important Cases
Sebagai perusahaan yang aktif menjalankan aktivitas As a company that actively carries out its business activities,
bisnisnya, Bank Muamalat Indonesia memiliki risiko Bank Muamalat Indonesia is at risk of facing legal problems,
menghadapi permasalahan hukum, baik di bidang perdata both civil and criminal. Up to the end of 2021, there were no
maupun pidana. Hingga akhir 2021, tidak tercatat perkara recorded civil cases registered in various courts or criminal
perdata yang terdaftar di berbagai Pengadilan maupun cases that were examined at the investigation and court
perkara Pidana yang diperiksa di tahap penyelidikan stages.
maupun pengadilan.
Permasalahan hukum Bank Muamalat Indonesia tahun 2021 Legal issues faced by Bank Muamalat Indonesia in 2021 are
digambarkan dalam tabel berikut: described in the following table:
Jumlah
Total
Jenis Sanksi Type of Sanction
Perdata Pidana
Civil Crime
Telah selesai (telah mempunyai kekuatan hukum 35 4 Has been completed (has permanent legal force)
yang tetap)
Dalam proses penyelesaian 104 12 In the process of being completed
PERKEMBANGAN PERKARA PENTING PROGRESS OF IMPORTANT CASES IN 2021

TAHUN 2021
Risiko yang Dihadapi Perusahaan
dan Nilai Nominal Tuntutan/
Pokok Perkara/Gugatan Status Penyelesaian Perkara/Gugatan
No. Gugatan
Subject Matter/ Lawsuit Case/ Lawsuit Settlement Status
Risks Faced by the Company and the
Nominal Value of the Claims
1 Gugatan sehubungan dengan objek Murabahah BMI menang dengan amar putusan Nilai tuntutan sebesar
yang menurut pendapat Penggugat tidak menyatakan gugatan tidak dapat Rp186.794.464.040.
berwujud, sehingga seharusnya Penggugat hanya diterima.
harus membayar Qardh. BMI prevailed with a verdict declaring Claim value of Rp186,794,464,040.
the lawsuit unacceptable.
Perkara No. 4398/Pdt.G/2020/PA.Badg
Lawsuit relating to the Murabaha object which in

the Plaintiff's opinion is intangible, so the Plaintiff
should only have to pay Qardh.
Case No. 4398/Pdt.G/2020/PA.Badg

2 Gugatan sehubungan dengan objek Murabahah BMI menang dengan amar putusan Nilai tuntutan sebesar
yang menurut pendapat Penggugat tidak menyatakan Pengadilan Agama Bandung Rp62.713.029.310.
berwujud, sehingga seharusnya Penggugat hanya tidak berwenang mengadili perkara.
harus membayar Qardh. BMI prevailed with a verdict stating Claim value of Rp62,713,029,310.
that the Bandung Religious Court is not
Perkara No. 4399/Pdt.G/2020/PA.Badg authorized to hear the case.
Lawsuit relating to the Murabaha object which in

the Plaintiff's opinion is intangible, so the Plaintiff
should only have to pay Qardh.
Case No. 4399/Pdt.G/2020/PA.Badg

3 Gugatan diajukan karena adanya cacat formil Dicapai kesepakatan dalam Mediasi dan Penggugat tidak menyebutkan
dalam akad restrukturisasi, dimana premis akad dituangkan dalam Putusan Dading. nilai tuntutan ganti rugi dalam
menyebutkan referensi akad terdahulu yang An agreement was reached in Mediation gugatannya, namun meminta
keliru. Penggugat meminta pembatalan akad and it was stated in the Dading Decision. pembatalan akad.
dalam petitum gugatannya. The plaintiff did not mention the
compensation value of the claim
Perkara No. 3833/Pdt.G/2020/PA.JS in the lawsuit, but asked for the
cancellation of the contract.
The lawsuit was filed because of a formal defect
in the restructuring contract, where the premise
of the contract stated that the previous contract
reference was wrong. The plaintiff asked for the
cancellation of the contract in the petitum of the
lawsuit.
Case No. 3833/Pdt.G/2020/PA.JS

Sanksi Administratif
Administrative Sanction
Hingga berakhirnya tahun buku 2021, baik Bank Muamalat Up to the end of the 2021 fiscal year, Bank Muamalat
Indonesia, anggota Dewan Komisaris, dan Direksi tidak Indonesia, members of the Board of Commissioners, and
pernah mendapatkan sanksi administratif dari Otoritas Board of Directors have never received administrative
Perbankan. sanctions from the Banking Authority.
Akses Informasi dan Data Perusahaan

Access to Company Data and Information
Bank senantiasa berkomitmen mewujudkan prinsip-prinsip The Bank is always committed to realizing the GCG principles,
GCG, termasuk transparansi, yang salah satunya diwujudkan including transparency, one of which is manifested by
melalui penyediaan akses informasi bagi para pemangku providing access to information for stakeholders. For BMI,
kepentingan. Bagi BMI, pengelolaan dan keterbukaan the management and disclosure of information regarding
informasi tentang perusahaan sangat penting dalam the company is crucial in building the company’s image in
membangun citra perusahaan di mata publik, khususnya the public’s perspective, particularly stakeholders. Therefore,
para pemangku kepentingan. Oleh karena itu, Bank berupaya the Bank strives to provide actual and useful information by
untuk memberikan informasi yang aktual dan bermanfaat taking into account the provisions regarding company data
dengan memperhatikan ketentuan terkait data perusahaan that cannot be published/confidential.
yang tidak dapat dipublikasikan/rahasia.
Bank berharap perwujudan prinsip transparansi informasi The Bank hopes that the manifestation of the principle of
secara internal dan eksternal tersebut dapat membantu, transparency of information internally and externally can
menjaga dan meningkatkan pengetahuan, pemahaman, dan help, maintain and increase the knowledge, understanding,
persepsi positif dari para pemangku kepentingan terhadap and positive perception of stakeholders towards the Bank’s
kebijakan dan kegiatan Bank. Untuk menyediakan informasi policies and activities. To provide the latest information for
terkini bagi seluruh pemangku kepentingan, Bank Muamalat all stakeholders, Bank Muamalat Indonesia provides an
Indonesia menyediakan sarana portal informasi melalui information portal facility through the Bank’s website at
situs Bank di www.bankmuamalat.co.id. www.bankmuamalat.co.id.
Bank juga menyediakan informasi lebih lanjut bagi The Bank also provides further information for Shareholders
Pemegang Saham dan pemangku kepentingan yang dapat and stakeholders which can be accessed through:
diakses melalui:
a. Media Elektronik a. Electronic Media

Penggunaan teknologi informasi dan komunikasi The use of reliable Information & Communication
(Information & Communication Technology/ICT) yang andal Technology (ICT) is highly required to support the delivery
sangat dibutuhkan untuk mendukung penyampaian of information to the public, both internally and externally
informasi kepada publik baik internal maupun eksternal in connection with technological developments and the
sehubungan dengan perkembangan teknologi dan arah direction of presenting information in a quick and brief
penyajian informasi yang cepat serta singkat namun but clear manner.
jelas.
Akses database elektronik menjadi salah satu alternatif Access to electronic databases is an important
yang penting dalam pemenuhan kebutuhan masyarakat alternative in meeting the public’s needs for information,
akan informasi sehingga penggunaan TI berbasis digital thus the use of digital-based IT has become a necessity
menjadi sebuah keharusan belakangan ini. Oleh karena these days. Therefore, Information Technology (IT) is an
itu, Teknologi Informasi (TI) menjadi tuntutan mutlak dan absolute and important demand in the development of

2021 Annual Report
penting dalam pengembangan media komunikasi Bank communication media for Bank Muamalat Indonesia
Muamalat Indonesia saat ini dan di masa mendatang. today and in the future.
Bank menyediakan beberapa saluran media elektronik The Bank provides several electronic media channels
yang dapat diakses yaitu: that can be accessed, namely:
Telepon : (021) 80666000 Phone : (021) 80666000
Faksimile : (021) 80666001 Facsimile : (021) 80666001
E-mail : corporate.affairs@bankmuamalat.co.id E-mail : corporate.affairs@bankmuamalat.co.id
Website : www.bankmuamalat.co.id website : www.bankmuamalat.co.id
Facebook : Bank Muamalat Facebook : Bank Muamalat
Twitter : @BankMuamalat Twitter : @BankMuamalat
Instagram : @bankmuamalat Instagram : @bankmuamalat
YouTube : Bank Muamalat YouTube : Bank Muamalat
b. Siaran Pers b. Press Releases

Bank Muamalat secara aktif mempublikasikan siaran Bank Muamalat actively publishes press releases through
pers melalui berita dan informasi terkini yang tersedia di the latest news and information available on the Bank’s
situs Bank sebagai upaya penyebarluasan informasi dari website as an effort to disseminate information on every
setiap aksi korporasi dan kegiatan penting Bank lainnya. corporate action and other important Bank activities.
c. Salamuamalat c. Salamuamalat
Bank Muamalat memiliki layanan phone banking Bank Muamalat has a 24-hour phone banking service
24 jam melalui nomor 1500016 yang dinamakan through the number 1500016 called Salamuamalat.
Salamuamalat. Salamuamalat juga menjangkau nasabah Salamuamalat also reaches overseas customers via
yang berada di luar negeri melalui nomor +6221 8066 the number +6221 8066 8000. Salamuamalat provides
8000. Salamuamalat memberikan kemudahan kepada convenience to customers whenever and wherever they
nasabah setiap saat dan di mana pun nasabah berada. are.
Dengan menghubungi Salamuamlat, nasabah dapat By contacting Salamuamalat, customers can check
melakukan pengecekan informasi saldo, cek mutasi, balance information, check transactions, book transfers,
pemindahbukuan, transfer antar rekening Bank transfer between Bank Muamalat accounts up to Rp50
Muamalat hingga Rp50 juta. Nasabah juga bisa million. Customers can also pay Zakat Infaq Alms,
membayar Zakat Infak Sedekah, mendapatkan informasi obtain information on funding products, information
produk pendanaan, informasi produk pembiayaan, on financing products, complaint services and lost
layanan pengaduan dan kehilangan kartu, layanan cards, virtual account services, and services to talk to
virtual account dan layanan untuk berbicara dengan Salamuamalat officers.
Salamuamalat officer.
d. Sekretaris Perusahaan d. Corporate Secretary

Untuk dapat mengakses informasi mengenai Bank, To be able to access information about the Bank, the
masyarakat dapat menghubungi Sekretaris Perusahaan public can contact the Corporate Secretary at the address
dengan alamat Jl. Prof. Dr. Satrio, Kav. 18 Kuningan Jl. Prof. Dr. Satrio, Kav. 18 Kuningan Timur, Setiabudi South
Timur, Setiabudi Jakarta Selatan 12940 di nomor Jakarta 12940 at telephone number 021-80666000 ext.
telepon 021-80666000 ext. 117023 dan e-mail corporate. 117023 and e-mail corporate.affairs@bankmuamalat.
affairs@bankmuamalat.co.id atau investor.relations@ co.id or investor.relations@bankmuamalat.co.id in
bankmuamalat.co.id di samping sarana-sarana yang addition to the previously described facilities.
telah diurai sebelumnya.
Bank Muamalat Indonesia juga senantiasa membagikan Bank Muamalat Indonesia also continues to share
informasi mengenai aktivitas bisnis yang dilakukan information regarding its business activities to the
kepada publik melalui keterbukaan informasi. Berikut public through disclosure of information. The following
adalah keterbukaan informasi yang dirilis Bank is disclosure of information released by the Bank
sepanjang tahun 2021. during 2021.

Keterangan Tanggal Media

No. Description Date Media
1 Berita terkini atas kegiatan dan kinerja yang sepanjang tahun 2021 Website Perseroan dalam bahasa Indonesia dan
dilakukan Bank throughout 2021 bahasa Inggris
the latest news on the activities and performance Company website in Indonesian and English
of the Bank
2 Publikasi Laporan Bank Umum Syariah sepanjang tahun 2021 Website Perseroan dalam bahasa Indonesia dan
Publication of Sharia Commercial Bank Reports throughout 2021 bahasa Inggris
Company website in Indonesian and English
3 Perubahan Anggota Komite Pemantau Risiko 18 November 2021 Website Perseroan dalam bahasa Indonesia dan
PT Bank Muamalat Indonesia Tbk November 18, 2021 bahasa Inggris
Changes in Members of the Risk Oversight Company website in Indonesian and English
Committee of PT Bank Muamalat Indonesia Tbk
4 Prospektus Ringkas dalam rangka rencana Bank 17 November 2021 Surat kabar harian berbahasa Indonesia
untuk melakukan Penambahan Modal dengan November 17, 2021 berperedaran nasional, yaitu surat kabar “Harian
Memberikan Hak Memesan Efek Terlebih Dahulu Terbit” dan melalui Website Perseroan dalam
(“PMHMETD” bahasa Indonesia dan bahasa Inggris
Concise Prospectus in the context of the Bank's Indonesian language daily newspapers with
plan to conduct Capital Increase by Providing Pre- national circulation, namely the “Harian Terbit”
emptive Rights (“PMHMETD”) newspaper and through the Company's Website
in Indonesian and English
5 Keterbukaan Informasi atau Fakta Material 17 November 2021 Surat kabar harian berbahasa Indonesia
Disclosure of Information or Material Facts November 17, 2021 berperedaran nasional, yaitu surat kabar “Harian
Ekonomi Neraca” dan melalui website Perseroan
dalam bahasa Indonesia dan bahasa Inggris
Indonesian language daily newspapers with
national circulation, namely the “Harian Ekonomi
Neraca” newspaper and through the Company's
Website in Indonesian and English
6 Perubahan Struktur Organisasi PT Bank 1 Oktober 2021 Website Perseroan dalam bahasa Indonesia dan
Muamalat Indonesia Tbk October 1, 2021 bahasa Inggris
Changes in the Organizational Structure of Company website in Indonesian and English
7 Ringkasan Risalah RUPS Luar Biasa tanggal 30 1 September 2021 Surat kabar harian berbahasa Indonesia
Agustus 2021 September 1, 2021 berperedaran nasional, yaitu surat kabar “Harian
Summary of Minutes of Extraordinary GMS dated Ekonomi Neraca” dan melalui website Perseroan
August 30, 2021 dalam bahasa Indonesia dan bahasa Inggris
8 Perubahan Anggota Dewan Pengawas Syariah 30 Agustus 2021 Website Perseroan dalam bahasa Indonesia dan
PT Bank Muamalat Indonesia Tbk August 30, 2021 bahasa Inggris
Changes in the Members of the Sharia Company website in Indonesian and English
Supervisory Board of PT Bank Muamalat
Indonesia Tbk
9 Perubahan Informasi atas Keterbukaan Informasi 25 Agustus 2021 Surat kabar harian berbahasa Indonesia
Kepada Pemegang Saham Dalam Rangka August 25, 2021 berperedaran nasional, yaitu surat kabar “Harian
PMHMETD Terbit” dan melalui website Perseroan dalam
Changes in Information on Disclosure of bahasa Indonesia dan bahasa Inggris
Information to Shareholders in the Context of Indonesian language daily newspapers with
PMHMETD national circulation, namely the “Harian Terbit”
newspaper and through the Company's Website
10 Laporan Keuangan Tengah Tahun 6 Agustus 2021 Surat kabar harian berbahasa Indonesia
Mid-Year Financial Report August 6, 2021 berperedaran nasional, yaitu surat kabar “Harian
Terbit” dan melalui website Perseroan dalam
bahasa Indonesia dan bahasa Inggris
national circulation, namely the “Harian Terbit”

2021 Annual Report
Keterangan Tanggal Media

No. Description Date Media
11 Pemanggilan RUPS Luar Biasa tanggal 30 Agustus 6 Agustus 2021 Surat kabar harian berbahasa Indonesia
2021 August 6, 2021 berperedaran nasional, yaitu surat kabar “Harian
Invitation to the Extraordinary GMS on 30 August Ekonomi Neraca” dan melalui website Perseroan
2021 dalam bahasa Indonesia dan bahasa Inggris
12 Penundaan RUPS Luar Biasa 30 Juli 2021 29 Juli 2021 Surat kabar harian berbahasa Indonesia
Postponement of Extraordinary GMS on 30 July July 29, 2021 berperedaran nasional, yaitu surat kabar “Harian
2021 Ekonomi Neraca” dan melalui website Perseroan
13 Pemangilan RUPS Luar Biasa tanggal 30 Juli 2021 8 Juli 2021 Surat kabar harian berbahasa Indonesia
Invitation to the Extraordinary GMS on 30 July July 8, 2021 berperedaran nasional, yaitu surat kabar “Harian
2021 Ekonomi Neraca” dan melalui website Perseroan
14 Keterbukaan Informasi Kepada Pemegang Saham 23 Juni 2021 Surat kabar harian berbahasa Indonesia
Dalam Rangka PMHMETD June 23, 2021 berperedaran nasional, yaitu surat kabar “Harian
Disclosure of Information to Shareholders in the Terbit” dan melalui website Perseroan dalam
Context of PMHMETD bahasa Indonesia dan bahasa Inggris
15 Ringkasan Risalah RUPS Tahunan dan RUPS Luar 3 Mei 2021 Surat kabar harian berbahasa Indonesia
Biasa tanggal 29 April 2021 May 3, 2021 berperedaran nasional, yaitu surat kabar “Harian
Summary of Minutes of Annual GMS and Ekonomi Neraca” dan melalui website Perseroan
Extraordinary GMS on 29 April 2021 dalam bahasa Indonesia dan bahasa Inggris
16 Pemanggilan RUPS Tahunan dan RUPS Luar Biasa 7 April 2021 Surat kabar harian berbahasa Indonesia
tanggal 29 April 2021 April 7, 2021 berperedaran nasional, yaitu surat kabar “Harian
Invitation to the Annual GMS and Extraordinary Terbit” dan melalui website Perseroan dalam
GMS on 29 April 2021 bahasa Indonesia dan bahasa Inggris
17 Keterbukaan Informasi Kepada Pemegang Saham 23 Maret 2021 Surat kabar harian berbahasa Indonesia
Dalam Rangka Penawaran Umum Terbatas VI March 23, 2021 berperedaran nasional, yaitu surat kabar “Harian
("PUT VI") Dengan Hak Memesan Efek Terlebih Terbit” dan melalui website Perseroan dalam
Dahulu bahasa Indonesia dan bahasa Inggris
Disclosure of Information to Shareholders in the Indonesian language daily newspapers with
Context of Limited Public Offering VI ("PUT VI") national circulation, namely the “Harian Terbit”
with Pre-emptive Rights newspaper and through the Company's Website
18 Pengumuman RUPS Tahunan dan RUPS Luar 23 Maret 2021 Surat kabar harian berbahasa Indonesia
Biasa tanggal 29 April 2021 March 23, 2021 berperedaran nasional, yaitu surat kabar “Harian
Announcement of Annual GMS and Extraordinary Terbit” dan melalui website Perseroan dalam
GMS on 29 April 2021 bahasa Indonesia dan bahasa Inggris

Kode Etik Perusahaan

Corporate Code of Conduct
Bank memiliki Kode Etik (Code of Conduct) yang menjadi nilai The Bank has established a Code of Conduct, which is the
dasar bagi seluruh insan Bank Muamalat Indonesia sekaligus basic value for all Bank Muamalat Indonesia personnel as
merupakan wujud dari komitmen Bank untuk menjalankan well as a manifestation of the Bank’s commitment to carry
fungsi kepatuhan. Kode etik tersebut menjadi landasan out the compliance function. The code of conduct is the basis
dalam bersikap dan beretika di setiap kegiatan usahanya for conduct and ethics in every business activity that refers
yang mengacu pada Kode Etik Bankir Indonesia, Core Values to the Indonesian Banker Code of Ethics, Bank Muamalat
Bank Muamalat Indonesia dan Ittifaq serta berdasarkan Indonesia’s Core Values and Ittifaq and is based on the best
pada best practice penerapan Good Corporate Governance. practice of Good Corporate Governance implementation.
Di dalam Kode Etik tersebut telah diatur mengenai standar The Code of Ethics has regulated standards of conduct, value
perilaku, sistem nilai, etika bisnis, etika kerja, komitmen dan systems, business ethics, work ethics, commitment and
penegakan terhadap peraturan-peraturan yang berlaku bagi enforcement of regulations that apply to members of the
anggota Direksi, anggota Dewan Komisaris dan karyawan. Board of Directors, members of the Board of Commissioners
and employees.
POKOK-POKOK KODE ETIK BANK PRINCIPLED OF THE BANK’S CODE OF

CONDUCT
Bank Muamalat telah mengatur pokok-pokok Kode Etik di Bank Muamalat has regulated the main principles of the
lingkungan Bank yaitu: Code of Conduct within the Bank, namely:
1. Kepatuhan terhadap ajaran Islam dan peraturan 1. Compliance with Islamic teachings and applicable laws
perundang-undangan yang berlaku. and regulations.
2. Memastikan kehalalan sumber, proses dan hasil dari 2. Ensuring the halal of sources, processes and results
pekerjaan, yaitu mencakup pengaturan benturan of work, including regulation of conflicts of interest,
kepentingan, hubungan dengan stakeholder, kegiatan relationships with stakeholders, political activities of
politik karyawan. employees.
3. Menunjukkan perilaku disiplin dalam bekerja dan 3. Demonstrate discipline behavior in working and
menjalankan ibadah. practicing worship.
4. Menjunjung tinggi etika moral dan sopan santun. 4. Upholding moral ethics and courtesy.
5. Menjaga amanah yang diberikan, termasuk pengaturan 5. Maintain the given mandate, including regulating
perilaku untuk menjaga nama baik Bank, menjaga behavior to maintain the good reputation of the Bank,
fasilitas Bank, melayani nasabah dengan baik, dan to care for Bank facilities, to serve customers well, and to
mencegah tindakan pelanggaran. prevent violations.
6. Menjaga kerahasiaan Informasi nasabah dan Bank. 6. Maintain the confidentiality of customer and bank
information.
SOSIALISASI KODE ETIK DAN UPAYA DISSEMINATION OF THE CODE OF

PENEGAKAN CONDUCT AND ENFORCEMENT EFFORTS
Secara berkala, Bank senantiasa melakukan sosialisasi dari Periodically, the Bank continues to carry out socialization
tahun ke tahun melalui serangkaian pelatihan, penayangan from year to year through a series of trainings, display of
materi Kode Etik melalui media Muamalat Human Power Code of Conduct material through the Muamalat Human
yang dapat diakses oleh seluruh karyawan serta sosialisasi Power media which can be accessed by all employees,
melalui HC News. Seluruh karyawan Bank wajib memberikan as well as socialization via HC News. All Bank employees
pernyataan kesanggupan menjalankan Kode Etik secara are required to provide an online statement of ability to
online melalui aplikasi Muamalat Human Power sebagai implement the Code of Ethics through the Muamalat Human
bentuk implementasi Good Corporate Governance. Power application as a form of Good Corporate Governance
implementation.

2021 Annual Report
PERNYATAAN KODE ETIK BERLAKU BAGI STATEMENT OF CODE OF CONDUCT

SELURUH LEVEL ORGANISASI APPLICABLE TO ALL LEVELS OF THE
ORGANIZATION
Kode etik yang dimiliki oleh Bank Muamalat berlaku bagi Bank Muamalat’s code of conduct applies to all employees.
seluruh karyawan. Khusus untuk karyawan, Bank telah For employees in particular, the Bank has a statement
memiliki surat pernyataan kode etik yang menegaskan bahwa of code of conduct, which confirms that Bank Muamalat
karyawan Bank Muamalat telah membaca, mempelajari dan employees have read, studied, and understood the entire
memahami keseluruhan isi Kode Etik Bank Muamalat dan contents of Bank Muamalat Code of Conduct and are willing
bersedia untuk selalu menaati dan melaksanakannya dengan to always comply and implement it as well as possible. In
sebaik-baiknya. Dalam pernyataan tersebut juga terdapat the statement there is also a willingness to be subject to
kesediaan untuk dikenakan sanksi apabila dikemudian hari sanctions if the employee violates the Bank Muamalat Code
karyawan melakukan pelanggaran atas Kode Etik Bank of Conduct in the future.
Muamalat.
SANKSI PELANGGARAN SANCTIONS FOR VIOLATIONS

Pemberian sanksi dilakukan sebagai suatu tindakan korektif, The imposition of sanctions is carried out as a corrective
pembinaan dan memberikan arahan kepada karyawan agar and coaching measure, as well as providing direction to
dapat memperbaiki diri, mengubah sikap dan tingkah laku employees to ensure that they can improve themselves,
serta berbuat sesuatu secara benar sesuai aturan yang change attitudes and behavior and do things correctly
berlaku atau meningkatkan motivasi dan kinerja. Bank dapat according to applicable rules or increase motivation and
memberikan sanksi sebagai konsekuensi atas pelanggaran performance. Banks can impose sanctions as a consequence
yang dilakukan karyawan terhadap Kode Etik sepanjang of violations committed by employees against the Code of
tidak bertentangan dengan peraturan perundang-undangan Conduct as long as they do not conflict with the applicable
yang berlaku. laws and regulations.
Jumlah Pelanggaran dan Sanksi yang Number of Violations and Sanctions Imposed
Diberikan
Berikut adalah jumlah pelanggaran dan sanksi yang diberikan The following is the number of violations and sanctions
oleh Bank hingga berakhirnya tahun buku 2021. impopsed by the Bank up to the end of the 2021 fiscal year.
Status Karyawan Saat Ini

Jenis Sanksi Jumlah Sanksi Current Status of Employee
No.
Type of Sanction Number of Sanctions Aktif Non Aktif
Active Non-Active
1 Surat Teguran 78 62 16
Reprimand Letter
2 SP1 27 20 7
Warning Letter 1
3 SP2 27 19 8
Warning Letter 2
4 SP3 3 1 2
Warning Letter 3
5 Pemutusan Hubungan Kerja 18 0 18
Termination of Employment
Total 153 102 51

Kebijakan Anti Korupsi/Fraud dan

Sosialisasinya
Anti-Corruption/Fraud Policy and Its Socialization
Bank mengatur kebijakan mengenai anti korupsi/anti-fraud The Bank regulates policies regarding anti-corruption/
yang dituangkan dalam Kode Etik & Perilaku Kepegawaian. anti-fraud as outlined in the Code of Ethics & Behavior of
Bank juga memiliki layanan pengaduan nasabah serta Personnel. The Bank also has a customer complaint service
program pelaporan pelanggaran sebagaimana dijabarkan as well as a violation reporting program as described in the
di sub bab “Whistleblowing System”, sebagai bagian dari “Whistleblowing System” sub-chapter, as part of the support
dukungan penerapan kebijakan anti korupsi di lingkungan for the implementation of anti-corruption policies within the
Bank. Bank.
FUNGSI ANTI FRAUD ANTI-FRAUD FUNCTION

Fraud didefinisikan sebagai tindakan atau perbuatan Fraud is defined as a deed or act of deviation or omission
penyimpangan atau pembiaran yang sengaja dilakukan that is intentionally carried out to trick, deceive, or
untuk mengelabui, menipu, atau memanipulasi Bank, manipulate the Bank, customer, or other party, which occurs
nasabah, atau pihak lain, yang terjadi di lingkungan Bank dan/ within the Bank and/or uses the Bank’s facilities, causing
atau menggunakan sarana Bank sehingga mengakibatkan the Bank, customer, or other party to suffer losses and/or
Bank, nasabah, atau pihak lain menderita kerugian dan/ Fraud perpetrators obtain financial benefits either directly
atau pelaku Fraud memperoleh keuntungan keuangan baik or indirectly, conducted by any level of Bank Muamalat
secara langsung maupun tidak langsung yang dilakukan oleh Indonesia, including shareholders, Board of Commissioners,
seluruh jajaran Bank Muamalat Indonesia, baik pemegang Board of Directors, Management Team, and all employees,
saham, Dewan Komisaris, Direksi, Tim Manajemen, serta both permanent and non-permanent (contract, permanent
seluruh karyawan baik tetap maupun tidak tetap (kontrak, and outsourcing) related to work processes and operational
permanen dan alih daya/outsourcing) terkait dengan proses activities of the Bank that result in direct and indirect loss or
kerja dan kegiatan operasional Bank yang mengakibatkan risk of loss to other parties.
kerugian atau risiko kerugian secara langsung dan tidak
langsung bagi pihak lain.
Untuk mencegah terjadinya fraud, Bank Muamalat Indonesia To prevent fraud, Bank Muamalat Indonesia has also
juga telah menyusun kebijakan anti fraud dalam Pedoman developed an anti-fraud policy in the Anti-Fraud Guidelines
dan Prosedur Anti Fraud. Secara umum Pedoman dan and Procedures. In general, the Anti-Fraud Guidelines and
Prosedur Anti Fraud mengatur antara lain tugas dan tanggung Procedures regulate, among others, anti-fraud duties and
jawab anti fraud, wewenang anti fraud, pencegahan, deteksi, responsibilities, anti-fraud authority, prevention, detection,
investigasi, pelaporan, sanksi, pemantauan, evaluasi dan investigation, reporting, sanctions, monitoring, evaluation
tindak lanjut. and follow-up of frauds.
Terkait tindakan penyimpangan atau fraud, Bank Muamalat Regarding acts of irregularities or fraud, Bank Muamalat
Indonesia mematuhi Peraturan OJK No.39/POJK.03/2019 Indonesia complies with FSA Regulation No.39/POJK.03/2019
tanggal 19 Desember 2019 perihal Penerapan Strategi Anti dated 19 December 2019 on the Implementation of Anti-
Fraud bagi Bank Umum dan sebagai wujud penyempurnaan Fraud Strategy for Commercial Banks and as a form of
Kebijakan Sistem Pengendalian Intern Bank. Untuk itu, improvement of the Bank’s Internal Control System Policy. To
melalui upaya pemantauan dan mitigasi risiko fraud, Bank that end, through monitoring and mitigating fraud risk, Bank
Muamalat Indonesia telah menyusun Strategi Anti Fraud Muamalat Indonesia has developed an Anti-Fraud Strategy
yang berlandaskan pada empat pilar, yakni: (1) Pencegahan, based on four pillars, namely: (1) Prevention, (2) Detection,
(2) Deteksi, (3) Investigasi Pelaporan dan Sanksi, (4) (3) Investigation, Reporting, and Sanctions, (4) Monitoring,
Pemantauan, Evaluasi dan Tindak Lanjut, dengan melibatkan Evaluation and Follow-up, involving all levels of employees
seluruh jajaran karyawan (line of defense). (line of defense).

2021 Annual Report
Pilar 1 : Pencegahan
Pillar 1 : Prevention
Melakukan langkah-langkah Anti-fraud Awereness Anti-fraud Awereness
dalam rangka mengurangi potensi Upaya untuk menumbuhkan anti-fraud awereness Efforts to foster anti-fraud awareness are carried
risiko terjadinya Fraud, antara lain dilakukan dengan cara: out by:
anti-fraud awereness, identifikasi 1. Penyampaian Deklarasi Anti-Fraud 1. Submission of the Anti-Fraud Declaration
kerawanan, dan know your employee. Deklarasi Anti-Fraud wajib untuk diketahui, The Anti-Fraud Declaration must be known,
Taking measures in order to reduce dipahami dan ditandatangani/disetujui oleh understood and signed/ approved by all Bank
the potential risk of fraud, including seluruh karyawan Bank Muamalat Indonesia Muamalat Indonesia employees twice a year
anti-fraud awareness, identification sebanyak dua kali setahun melalui “Muamalat via the “Muamalat Human Power (MHP)” or HR
of vulnerabilities, and know your Human Power (MHP)“ atau sistem/aplikasi SDM system/application which is updated annually
employee. yang diperbaharui setiap tahunnya.
2. Program Employee Awareness 2. Employee Awareness Program
Secara konsisten melaksanakan program Consistently implementing anti-fraud
kampanye/sosialisasi anti-fraud serta e-mail blast campaign/socialization programs as well as
melalui employee relations ke seluruh karyawan email blasts through employee relations to all
di kantor kas, kantor capem dan kantor cabang. employees at cash offices, sub-branch offices
Selain itu juga dikirim melalui news letter yang and branch offices. In addition, it was also
di-e-mail kepada seluruh pejabat internal Bank sent via a news letter which was emailed to all
Muamalat Indonesia untuk diteruskan kepada internal officials of Bank Muamalat Indonesia to
sub ordinat masing-masing. Program kampanye be forwarded to their respective subordinates.
tersebut juga dilaksanakan bekerja sama dengan The campaign program was also carried out in
HC Learning pada saat pelaksanaan program collaboration with HC Learning during regular
training reguler di unit kerja/bisnis seperti training programs in work/business units such
Program Mulia, MODP Future Leader, dan RFC as the Mulia Program, MODP Future Leader,
Managers Program. and RFC Managers Program
3. Program Customer Awareness 3. Customer Awareness Program
a. Menyampaikan informasi anti-fraud di media a. Conveying anti-fraud information on the
elektronik Bank: ATM, mobile banking, internet Bank’s electronic media: ATMs, mobile
banking, dan juga melalui media sosial banking, internet banking, and also through
(Twitter, Facebook). social media (Twitter, Facebook)
b. Imbauan tertulis di area banking hall. b. Written appeal in the banking hall area.
4. Pelaksanaan Training 4. Training Implementation
Mengikutsertakan karyawan dalam eksternal Engaging employees in external training/
training/workshop. workshops.
5. Sosialisasi Anti-Fraud 5. Anti-Fraud Socialization
Dilakukannya Training of Trainer (ToT) anti-fraud Anti-fraud Training of Trainers (ToT) was carried
yang diikuti oleh Region Head, Region Operation out which was attended by Region Heads,
Manager, Branch Manager, dan Branch Region Operation Managers, Branch Managers,
Operation Manager di seluruh area dan cabang and Branch Operation Managers in all areas
se-Indonesia yang kemudian disebut Anti- and branches throughout Indonesia which
Fraud Ambasador (Ambasador). Ambasador were later called Anti-Fraud Ambassadors
diberi sertifikat dan memiliki kewajiban untuk (Ambassadors). The Ambassadors received
menyampaikan kampanye di area dan cabang the certification and have the obligation to
masing-masing. deliver campaigns in their respective areas and
branches
Identifikasi Kerawanan Identification of Vulnerability
Mengacu pada pengalaman kasus-kasus fraud Referring to the past fraud cases, activities
yang telah terjadi, aktivitas yang memiliki tingkat that have a high level of fraud vulnerability
kerawanan fraud yang tinggi antara lain bidang include operational sector, financing sector, and
operasional, bidang pembiayaan, dan bidang information technology sector. The results of the
teknologi informasi. Hasil identifikasi kerawanan identification of vulnerabilities have been stated
telah tertuang dalam rekomendasi perbaikan in the recommendations for improvement in each
masing-masing kasus dan telah disampaikan case and have been submitted to related parties
kepada pihak terkait untuk ditindaklanjuti. for follow-up
Know Your Employee Know Your Employee
Dalam hal proses seleksi atau rekrutmen calon In terms of the selection or recruitment process
karyawan, divisi terkait atau kantor cabang for prospective employees in related divisions or
dilakukan sesuai dengan prosedur yang berlaku, branch offices, it is carried out in accordance with
termasuk yang terkait dengan screening. applicable procedures, including those related to
screening
Pilar 2 : Deteksi
Pillar 2 : Detection
Melakukan langkah-langkah dalam Kebijakan dan Mekanisme Whitsleblowing Whistleblowing Policy and Mechanism
mengidentifikasi dan menemukan Kebijakan whitsleblowing telah tercantum dalam The whistleblowing policy has been stated in
fraud dalam kegiatan usaha ketentuan internal, yakni terkait perlindungan the internal regulations, which are related to the
bank, antara lain kebijakan dan kepada whistleblower, pengaduan fraud dan sistem protection of whistleblowers, fraud complaints,
mekanisme whistleblowing, surprise pelaporan dan mekanisme tindak lanjut laporan reporting systems and report follow-up
audit dan surveillance system. dengan mengacu pada ketentuan dan perundang- mechanisms with reference to the prevailing laws
Taking steps to identify and find undangan yang berlaku di mana Bank menjamin and regulations where the Bank guarantees the
fraud in bank business activities, kerahasiaan identitas pelapor dan laporan yang confidentiality of the whistleblower’s identity and
including policies and mechanisms disampaikannya dengan format bebas. the report he/she submits in a free format
for whistleblowing, surprise audits,
and surveillance systems
Surprise Audit Surprise Audit
Pemeriksaan mendadak untuk meningkatkan Unannounced audits to increase employee
kewaspadaan karyawan dalam melaksanakan vigilance in carrying out their duties and
tugas dan tanggung jawabnya dalam rangka responsibilities in order to prevent fraud at Bank
pencegahan fraud di Bank Muamalat Indonesia. Muamalat Indonesia
Surveillance System Surveillance System
Pemeriksaan secara diam-diam untuk Secret inspection to increase employee vigilance
meningkatkan kewaspadaan karyawan dalam in carrying out their duties and responsibilities
melaksanakan tugas dan tanggung jawab dalam in order to prevent fraud at Bank Muamalat
rangka pencegahan fraud di Bank Muamalat Indonesia
Indonesia.

Pilar 3 : Investigasi, Pelaporan dan Sanksi

Pillar 3 : Investigation, Reporting, and Sanctions
Melakukan langkah-langkah Investigasi Investigation
dalam rangka menggali informasi Investigasi dilakukan dengan tujuan: Investigations are carried out with the following
(investigasi), sistem pelaporan dan goals:
pengenaan sanksi atas fraud dalam • Mengumpulkan bukti-bukti yang terkait • Collecting evidence related to events that can
kegiatan usaha Bank. dengan kejadian yang patut diduga merupakan reasonably be suspected of being an act of
Taking steps in order to gather tindakan fraud sehingga (jika diperlukan) dapat fraud so that (if needed) can be used to bring
information (investigation), a digunakan untuk melakukan tuntutan hukum legal proceedings to court.
reporting system and impose ke pengadilan.
sanctions for fraud in the Bank’s • Mengetahui bagaimana fraud dapat terjadi. • Determine how fraud can occur.
business activities. • Mengetahui dampak atas fraud, pihak yang • Determine the impact of fraud, the parties
terlibat dan kelemahan dari sistem/proses yang involved and the weaknesses of the systems/
menyebabkan terjadinya fraud sehingga dapat processes that lead to fraud so that effective
ditemukan langkah perbaikan yang efektif. corrective measures can be formulated.
• Pemberian sanksi kepada pelaku fraud. • Imposing sanctions for fraud perpetrators
Pelaporan Reporting
Sistem pelaporan mencakup pelaporan secara The reporting system includes internal reporting
internal kepada pihak Manajemen Bank maupun to the Bank Management as well as to the Financial
kepada Otoritas Jasa Keuangan dan Bank Services Authority and Bank Indonesia.
Indonesia.
Sanksi Sanction
Direksi merupakan pihak yang berwenang The Board of Directors is the party authorized
memutuskan pengenaan sanksi yang to decide the imposition of sanctions for fraud
dikategorikan sebagai tindakan fraud berdasarkan based on the recommendations of the Disciplinary
hasil rekomendasi Komite Disiplin. Pengenaan Committee. The imposition of the type and
jenis dan kadar berat ringannya sanksi kepada severity of sanctions on the perpetrator refers to
pelaku mengacu kepada ketentuan yang berlaku. the applicable provisions.
Pilar 4 : Pemantauan, Evaluasi, dan Tindak Lanjut
Pillar 4 : Monitoring, Evaluation, and Follow-up
Melakukan langkah-langkah dalam Pemantauan Monitoring
rangka memantau dan mengevaluasi Melakukan pemantauan terhadap tindakan Monitor corrective measures in an effort to avoid
fraud, serta mekanisme tindak perbaikan dalam upaya menghindari berulangnya recurring cases of the same fraud and ensure that
lanjut. kasus fraud yang sama dan memastikan bahwa recommendations for improvements have been
Taking steps to monitor and rekomendasi perbaikan telah dilaksanakan secara implemented adequately by the relevant work
evaluate fraud, as well as follow-up memadai oleh unit kerja terkait. unit.
mechanisms
Evaluasi Evaluation
Mengevaluasi akar penyebab dari setiap kejadian Evaluating the root causes of each fraud incident
fraud untuk menentukan langkah perbaikan to determine corrective action that needs to be
(corrective action) yang perlu dilakukan, mencakup taken, including evaluation of the adequacy of
evaluasi terhadap kecukupan kontrol (sistem controls (control systems) and implementation of
pengendalian) dan pelaksanaan pedoman dan work guidelines and procedures, risk management
prosedur kerja, proses pengelolaan risiko dan processes and governance processes in work units
proses tata kelola di unit kerja terkait tempat related to where the fraud occurred.
terjadinya fraud.
Tindak Lanjut Follow-up
Memperbaiki penyebab terjadinya fraud dengan Rectify the causes of fraud by strengthening
memperkuat sistem pengendalian internal, proses internal control systems, risk management
pengelolaan risiko dan proses tata kelola yang processes and better governance processes.
lebih baik.
Di samping perannya untuk menerapkan strategi In addition to its role in implementing fraud control
pengendalian fraud, Fungsi Anti Fraud Bank juga memiliki strategies, the Bank’s Anti-Fraud Function also has duties
tugas dan tanggung jawab yang mencakup: and responsibilities that include:
1. Menyusun dan melakukan kajian ulang secara berkala 1. Compile and periodically review the Anti-Fraud
atas Pedoman dan Prosedur Anti Fraud. Guidelines and Procedures.
2. Memberikan sosialisasi, training, ataupun kampanye dan 2. Providing socialization, training, or campaigns and
pembinaan kepada seluruh jenjang organisasi dalam coaching to all levels of the organization in order to
rangka antisipasi dan pencegahan terjadinya fraud. anticipate and prevent fraud.
3. Mengawasi dan mengevaluasi pelaksanaan/ 3. Supervise and evaluate the implementation/ application
implementasi dari Pedoman dan Prosedur Pelaksanaan of the Anti-Fraud Guidelines and Implementation
Anti Fraud. Procedures.
4. Mengkaji efektivitas Bank dalam mencegah, mendeteksi, 4. Assessing the effectiveness of the Bank in preventing,
menginvestigasi dan memperbaiki dampak fraud yang detecting, investigating, and correcting the impact of
terjadi. fraud that occurred.
5. Menyelenggarakan rapat rutin terkait tindak lanjut 5. Holding regular meetings related to follow-up on fraud
penanganan fraud dan membuat laporan periodik handling and making periodic reports to the Director of
kepada Direktur Supervisi. Supervision.
6. Berkoordinasi dengan instansi dan aparatur negara 6. To coordinate with related agencies and state apparatus
terkait untuk menindaklanjuti kasus fraud, baik yang to follow up on fraud cases, whether committed by
dilakukan oleh pihak internal maupun eksternal. internal or external parties.

2021 Annual Report
7. Berkoordinasi dengan unit kerja yang terkait dalam 7. Coordinating with related work units in reporting to Bank
pelaporan kepada Bank Indonesia dan/atau Otoritas Indonesia and/or the Financial Services Authority to
Jasa Keuangan guna menyampaikan Laporan Penerapan submit a Report every semester on the Implementation
Strategi Anti Fraud setiap semester yang dilakukan pada of Anti-Fraud Strategy, which is conducted in January and
bulan Januari dan Juli setiap tahunnya. July each year.
8. Melapor kepada Otoritas Jasa Keuangan atas kejadian 8. Report to the Financial Services Authority any fraud
fraud yang diperkirakan berdampak negatif secara incidents that are estimated to have a significant negative
signifikan terhadap Bank, paling lambat 3 (tiga) hari kerja impact on the Bank, no later than 3 (three) working days
setelah Bank mengetahui hal tersebut. after the Bank becomes aware of this.
9. Mengadministrasikan seluruh dokumen dengan sebaik- 9. To administer all documents properly. All documents
baiknya. Seluruh dokumen bersifat sangat rahasia dan are strictly confidential and cannot be borrowed to any
tidak dapat dipinjamkan kepada pihak mana pun kecuali party except with the written permission of the Head of
atas izin Head of Internal Audit secara tertulis dengan Internal Audit with the acknowledgment of the President
diketahui oleh Direktur Utama. Director.
10. Fungsi Anti Fraud bekerja sama dengan unit kerja lain 10. The Anti-Fraud function cooperates with other related
yang terkait dalam menjalankan tugasnya. work units in carrying out its duties.
11. Berkewajiban merahasiakan seluruh informasi yang 11. Required to keep the confidentiality of all information
berkaitan dengan identitas pelapor selamanya. related to the identity of the whistleblower for good.
12. Berkewajiban merahasiakan seluruh informasi selama 12. Required to keep the confidentiality of all information
proses investigasi berlangsung. during the investigation process
13. Berkewajiban menyampaikan laporan hasil audit khusus/ 13. Required to submit a special audit/ investigation report
investigasi kepada Direktur Utama, Komisaris melalui to the President Director, Commissioner through the
Komite Audit dan ditembuskan ke Direktur Kepatuhan Audit Committee and copy it to the Compliance Director
untuk mendapatkan arahan yang selanjutnya dilaporkan to obtain directives which can then be reported to related
kepada pihak terkait untuk dapat ditindaklanjuti. parties for further action.
14. Berkewajiban menyerahkan seluruh dokumen dan data 14. Required to submit all documents and data including
termasuk keterangan dari pihak-pihak terkait kepada information from related parties to the Disciplinary
Komite Disiplin. Committee.
REALISASI KEGIATAN TAHUN 2021 REALIZATION OF ACTIVITIES IN 2021

Jumlah Kasus yang Dilakukan oleh:
Number of Cases by:
Pegawai Tetap Pegawai Tidak Tetap
Internal Fraud dalam 1 Tahun Pengurus Internal Fraud in 1 Year
Permanent Non-Permanent
Management
Employee Employee
2020 2021 2020 2021 2020 2021
Total Fraud 0 0 8 9 0 1 Total Fraud
Telah Diselesaikan 0 0 7 9 0 1 Resolved
Dalam Proses Penyelesaian 0 0 1 0 0 0 Still in Bank Internal Settlement
Internal Bank Process
Belum Diupayakan 0 0 0 0 0 0 Has not been Resolved yet
Penyelesaiannya
Telah Ditindaklanjuti Melalui 0 0 0 0 0 0 Has Been Followed-up through
Proses Hukum the Legal Process
KEGIATAN SOSIALISASI TAHUN 2021 SOCIALIZATION ACTIVITIES IN 2021

Komunikasi kegiatan anti korupsi yang dijalankan oleh Bank The communication of anti-corruption activities that is
saat ini terhadap seluruh unit kerja di Bank Muamalat untuk currently carried out by the Bank to all work units at Bank
menghindari adanya fraud berupa penyampaian e-mail blast Muamalat to avoid fraud is in the form of sending e-mail
sekali seminggu dan newsletter sekali sebulan. blasts once a week and newsletters once a month.
Pelatihan Anti Korupsi yang dijalankan telah dilaksanakan Anti-corruption training has been carried out in all branches
pada seluruh cabang sebanyak 2 (dua) kali setahun yang 2 (two) times a year, delivered by the relevant Branch
disampaikan oleh Pimpinan Cabang terkait dan sebagian Managers and by the anti-fraud team in part.
juga disampaikan oleh tim anti fraud.

Pengendalian Gratifikasi
Gratuity Control
Bank Muamalat Indonesia menerapkan Kebijakan Bank Muamalat Indonesia implements the Gratuity Control
Pengendalian Gratifikasi untuk mewujudkan pengelolaan Policy to realize Bank management that is free from all forms
Bank yang bebas dari segala bentuk korupsi, kolusi dan of corruption, collusion, and nepotism (KKN) for all levels
nepotisme (KKN) bagi seluruh jajaran Bank Muamalat of Bank Muamalat Indonesia. Gratuity activities have the
Indonesia. Kegiatan gratifikasi berpotensi terjadi saat potential to occur when establishing a working relationship
menjalin hubungan kerja dengan pihak ketiga. with a third party.
Berdasarkan hal tersebut, Bank Muamalat Indonesia Based on this, Bank Muamalat Indonesia initiated the
menginisiasi pedoman dan pengendalian gratifikasi di gratuity guidelines and control within the Bank. The gratuity
lingkungan Bank. Pedoman dan pengendalian gratifikasi guidelines and control also apply to the Bank’s subsidiaries in
tersebut juga berlaku untuk anak perusahaan Bank sesuai accordance with applicable regulations. With this guidelines,
dengan ketentuan yang berlaku. Dengan adanya pedoman all Bank Muamalat Indonesia personnel are expected that
tersebut diharapkan agar seluruh Insan Bank Muamalat have an equal understanding on the treatment of gratuity
Indonesia memiliki pemahaman yang setara tentang and avoid the practice of gratuity, which includes bribery.
perlakuan terhadap gratifikasi serta terhindar dari praktik
gratifikasi yang termasuk tindak pidana suap.
Bank Muamalat Indonesia mendefinisikan gratifikasi/ Bank Muamalat Indonesia defines gratuities/ gifts as all
hadiah sebagai semua bentuk penerimaan atau pemberian, forms of acceptance or gift, either directly or indirectly.
baik langsung maupun tidak langsung. Gratifikasi/hadiah Gratuities/gifts can be in the form of money, goods,
dapat berupa uang, barang atau sesuatu penerimaan or something received or given in any form (including
atau pemberian berupa apa pun (termasuk hiburan dan entertainment and services) or other benefits that are not
pelayanan) atau keuntungan lain yang tidak sepatutnya duly known or reasonably suspected that the receipt or gift is
yang diketahui atau patut diduga bahwa penerimaan intended to influence the decisions of company officials and/
atau pemberian itu dimaksudkan untuk mempengaruhi or other parties, or the gift is given as a result of having done
keputusan pejabat perusahaan dan/atau pihak lain atau something or not doing something in his/her position that is
hadiah tersebut diberikan sebagai akibat karena telah contrary to his/her obligations.
melakukan sesuatu atau tidak melakukan sesuatu dalam
jabatannya yang bertentangan dengan kewajibannya.
Bank Muamalat Indonesia melarang seluruh jajaran insan Bank Muamalat Indonesia prohibits all personnel of Bank
Bank Muamalat Indonesia menerima atau memberi hadiah Muamalat Indonesia from accepting or giving gifts from and/
dari dan/atau kepada pihak lain yang dimaksudkan untuk or to other parties that are intended to or are suspected of
atau diduga dapat mempengaruhi keputusan pejabat Bank being able to influence the decisions of Bank officials and/or
dan/atau pihak lain. Bank Muamalat Indonesia mengizinkan other parties. Bank Muamalat Indonesia is allowed to provide
pemberian bantuan (donasi) untuk kepentingan amal atau assistance (donations) for charitable or social purposes in a
sosial dalam jumlah yang wajar sepanjang sesuai peraturan reasonable amount as long as it is in accordance with the
perundang-undangan serta ketentuan dan kaidah syariah laws and regulations as well as applicable sharia rules and
yang berlaku. regulations.
KEGIATAN SOSIALISASI TAHUN 2021 SOCIALIZATION ACTIVITIES IN 2021

Komunikasi Kebijakan Pengendalian Gratifikasi untuk Communication of Gratuity Control Policy to realize Bank
mewujudkan pengelolaan Bank yang bebas dari segala management that is free from all forms of corruption,
bentuk korupsi, kolusi dan nepotisme (KKN) saat ini collusion and nepotism (KKN) is currently carried out to all
dilakukan kepada seluruh unit dengan penyampaian e-mail units by sending e-mail blasts and Internal Memorandums.
blast dan Memorandum Internal.

2021 Annual Report
Transparansi Kondisi Keuangan dan

Non-Keuangan Perusahaan
Transparency of the Company’s Financial and Non-Financial Conditions
Bank Muamalat Indonesia telah memenuhi kewajiban Bank Muamalat Indonesia has fulfilled the obligations
transparansi dan publikasi kondisi keuangan dan non- of transparency and publication of financial and non-
keuangan sesuai dengan peraturan perundangan-undangan financial conditions in accordance with the prevailing laws
yang berlaku, melalui penyampaian dan publikasi informasi, and regulations through the delivery and publication of
baik melalui media cetak maupun situs web Bank yang information, either through print media or the Bank’s
mencakup: website which includes:
Jenis Publikasi Media Publikasi

Type of Publication Publication Media
Laporan Keuangan Bulanan kepada regulator Situs web OJK dan Bank
Monthly Financial Reports to regulators Website of the FSA and the Bank
Laporan Keuangan Triwulan kepada regulator Media cetak dan situs web Bank.
Quarterly Financial Reports to regulators Print media and the Bank’s website
Laporan Tahunan Bank Muamalat Indonesia yang disusun dan disajikan sesuai Situs web Bank
ketentuan dan disampaikan kepada regulator, rating agency, lembaga pengembangan The Bank’s website
perbankan, lembaga/institusi riset dan majalah keuangan
The Annual Report of Bank Muamalat Indonesia, which is prepared and presented in
accordance with the provisions and submitted to regulators, rating agencies, banking
development institutions, research institutions/ agencies and financial magazines
Informasi Tata Kelola Perusahaan, di antaranya adalah Laporan Tahunan Tata Kelola Situs web Bank
Perusahaan, Visi, Misi, Nilai Perusahaan, Komposisi dan Profil Dewan Pengawas Syariah, The Bank’s website
Dewan Komisaris dan Direksi, serta ketentuan internal terkait tata kelola antara lain
Piagam Komite-komite
Corporate Governance Information, including the Annual Report on Corporate
Governance, Vision, Mission, Corporate Values, Composition and Profile of the Sharia
Supervisory Board, Board of Commissioners and Board of Directors, as well as
internal regulations related to governance, including the Articles of Association to the
Committees Charter
Informasi Produk dan Layanan Bank, termasuk jaringan kantor Situs web Bank
Information on Bank Products and Services, including office networks the Bank’s website
Informasi Prosedur Penyampaian Pengaduan, Kebijakan Keamanan Informasi dan tips Situs web Bank
bagi Nasabah dalam menggunakan layanan perbankan sebagai bagian dari pelaksanaan The Bank’s website
ketentuan perlindungan konsumen
Information on Complaint Submission Procedures, Information Security Policies and
Tips for Customers in using banking services published on the Bank’s website for the
implementation of consumer protection regulations
Informasi lainnya yang bertujuan untuk mendukung keterbukaan informasi, edukasi Situs web Bank
keuangan dan layanan kepada masyarakat The Bank’s website
Other information that aims at supporting disclosure of information, financial education
and services to the public

Pembelian Kembali Saham dan Obligasi

Buyback of Shares and Bonds of Bank Muamalat Indonesia
Selama tahun 2021, tidak terdapat buyback saham maupun During 2021, there were no share buybacks or bond
buyback obligasi. buybacks.
Pemberian Dana untuk Kegiatan Sosial

dan Politik
Provision of Funds for Social and Political Activities
Bank Muamalat tidak menoleransi keterlibatan Bank dan Bank Muamalat does not tolerate the involvement of
seluruh insan Bank Muamalat Indonesia tanpa terkecuali the Bank and all personnel of Bank Muamalat Indonesia
dalam kegiatan politik, termasuk memberikan dana untuk without exception in political activities, including providing
kepentingan politik. Kebijakan ini bertujuan menjaga funds for political purposes. This policy aims to maintain
independensi dan profesionalisme Bank dan pekerja. the independence and professionalism of the Bank and
employees.
Bank memperkenankan insan Bank Muamalat Indonesia The Bank allows the personnel of Bank Muamalat Indonesia
terlibat dalam dalam hal kegiatan sosial karena Bank to be involved in social activities because the Bank believes
meyakini bahwa kegiatan sosial memberi dampak positif that social activities have a positive impact on a wider
kepada khalayak yang lebih luas untuk jangka panjang. Bank audience in the long term. The Bank always strives to
senatiasa berupaya untuk terus mendukung pelaksanaan continue to support the implementation of social activities
kegiatan sosial yang diwujudkan melalui program Tanggung that are realized through the Corporate Social Responsibility
Jawab Sosial Perusahaan. Adapun rinciannya dilaporkan program. The details are reported in the Chapter “Corporate
dalam Bab “Tanggung Jawab Sosial Perusahaan”. Social Responsibility”.
Batas Maksimum Penyaluran Dana (BMPD)

Legal Lending Limit (LLL)
Selama tahun 2021, Bank Muamalat Indonesia tidak During 2021, Bank Muamalat Indonesia did not violate and/
melanggar dan/atau melampaui Batas Maksimum or exceed the Legal Lending Limit (LLL) for both related
Penyaluran Dana (BMPD) baik kepada pihak terkait maupun parties and parties not related to the Bank.
pihak tidak terkait dengan Bank.

2021 Annual Report
Kebijakan Perlindungan Nasabah

Customer Protection Policy
Bagi BMI, nasabah merupakan salah satu pemangku For BMI, customer is one of the stakeholders with a crucial
kepentingan yang memiliki peran penting bagi peningkatan role in improving the performance and sustainability of
kinerja dan keberlanjutan usaha Bank. Oleh karena itu, the Bank’s business. Therefore, the Bank is committed and
Bank berkomitmen dan terus berupaya untuk memberikan continues to strive to provide excellent service and protection
pelayanan prima dan perlindungan bagi para nasabah yang for customers, which is manifested by the customer
diwujudkan dengan adanya layanan pengaduan nasabah di complaint services on Bank Muamalat Indonesia’s website.
website Bank Muamalat Indonesia. Nasabah dapat langsung Customers can directly contact and report if they encounter
menghubungi dan melaporkan bila mendapatkan kendala problems in banking/ financial transaction process at Bank
dalam proses perbankan/transaksi keuangan di Bank Muamalat Indonesia.
Muamalat Indonesia.
Bank senantiasa berupaya secara maksimal dalam The Bank always strives optimally in protecting the interests
melindungi kepentingan seluruh nasabah dan memberikan of all customers and providing the best, as a form of
yang terbaik, sebagai bentuk pemenuhan Peraturan OJK compliance with FSA Regulation No. 1/POJK.07/2013 on
No. 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Consumer Protection in the Financial Services Sector, FSA
Jasa Keuangan, POJK No. 18/POJK.07/2018 tentang Layanan Regulation No. 18/POJK.07/2018 on Consumer Complaint
Pengaduan Konsumen di Sektor Jasa Keuangan, serta SEOJK Services in the Financial Services Sector, as well as SEOJK
No. 17/SEOJK.07/2018 tentang Pedoman Pelaksanaan No. 17/SEOJK.07/2018 on Guidelines for the Implementation
Layanan Pengaduan Konsumen di Sektor Jasa Keuangan. of Consumer Complaint Services in the Financial Services
Sector.
Informasi lebih rinci terkait dengan mekanisme prosedur dan Detailed information related to the procedure and
pelaksanaan penyelesaian pengaduan nasabah dijelaskan di implementation mechanism for the settlement of
Bab “Tanggung Jawab Sosial Perusahaan”. customer complaints is described in the “Corporate Social
Responsibility” chapter.
Perlindungan Hak Kreditur

Creditor Rights Protection
Dalam rangka perlindungan hak-hak kreditur, Bank In order to protect the rights of creditors, Bank Muamalat
Muamalat Indonesia melakukan keterbukaan informasi Indonesia conducts honest and transparent information
secara jujur dan transparan serta persamaan perlakuan disclosure and equal treatment to all creditors without
(equal treatment) kepada seluruh kreditur tanpa adanya any discrimination. Through disclosure of information, all
diskriminasi. Melalui keterbukaan informasi, seluruh kreditur creditors and business partners obtain relevant information
maupun mitra usaha memperoleh informasi yang relevan according to their needs to ensure that each party can make
sesuai kebutuhannya sehingga masing-masing pihak dapat objective decisions based on fair, reasonable and accurate
membuat keputusan yang objektif atas dasar pertimbangan considerations. This is also in line with the implementation
yang adil, wajar dan akurat. Hal tersebut juga sejalan dengan of GCG.
implementasi GCG.

Melalui kebijakan tersebut, Bank berharap hak-hak kreditur Through this policy, the Bank hopes that the rights of creditors
dapat terpenuhi sekaligus mampu menjaga kepercayaan can be fulfilled, while at the same time able to maintain
kreditur terhadap Bank. Bank menjamin hak-hak kreditur creditors’ confidence in the Bank. The bank guarantees that
dilaksanakan dengan baik, yang dituangkan dalam perjanjian the creditor’s rights are implemented properly, as outlined
yang disepakati oleh kedua belah pihak. Sebagai bagian in the agreement agreed by both parties. As part of the
dari pelaksanaan dari hak-hak kreditur, Bank menjalankan implementation of creditor rights, the Bank carries out its
kewajibannya sebagaimana yang diperjanjikan dengan tepat obligations as agreed in a timely manner and strives to avoid
waktu dan berupaya untuk menghindari keterlambatan delays or negligence that could potentially cause losses to
maupun kelalaian yang berpotensi menimbulkan kerugian both parties.
kedua belah pihak.
Sistem Pelaporan Pelanggaran

Whistleblowing System
Bank Muamalat Indonesia merancang dan menetapkan Bank Muamalat Indonesia formulated and established a
sebuah mekanisme pelaporan atas pelanggaran atau reporting mechanism for violations or alleged violations of
dugaan pelanggaran terhadap kebijakan dan/atau prosedur the Company’s policies and/or procedures as well as ethics
serta etika dan nilai-nilai budaya Perseroan, yang dikenal and cultural values, known as the Whistle Blowing System
dengan nama Sistem pelaporan pelanggaran (Whistle (“WBS”). In general, the implementation of WBS is intended
Blowing System/”WBS”). Secara umum, penerapan WBS to provide a comfortable and favorable work environment
ditujukan untuk menghadirkan lingkungan kerja yang for all employees, as well as in order to prevent fraudulent
nyaman dan kondusif bagi seluruh karyawan, serta dalam acts that can lead to material or immaterial losses to the
rangka mencegah terjadinya tindak kecurangan yang dapat Company in the future.
menimbulkan kerugian materiil ataupun immaterial bagi
Perseroan di kemudian hari.
Kebijakan Whitsleblowing telah dicantumkan dalam ketentuan The Whistleblowing policy has been included in the
internal “Speak Up”, yakni terkait perlindungan kepada internal provision, namely “Speak Up”, which is related
whistleblower, pengaduan fraud dan sistem pelaporan dan to the protection for whistleblowers, fraud complaints
mekanisme tindak lanjut laporan dengan mengacu pada and reporting systems and report follow-up mechanisms
ketentuan dan perundang-undangan yang berlaku di pursuant to the applicable laws and regulations, in which
mana Bank Muamalat Indonesia menjamin kerahasiaan Bank Muamalat Indonesia guarantees the confidentiality of
identitas pelapor dan laporan yang disampaikannya dengan the identity of the whistleblower and the reports submitted
free format. in a free format.
WBS dikelola melalui unit Anti-fraud dan difungsikan WBS is managed through the Anti-Fraud unit and functions
sebagai turunan dari Strategi Anti-Fraud (SAF). Pelaksanaan as a derivative of the Anti-Fraud Strategy (AFS). The
WBS diatur dalam Kebijakan GCG dan Prosedur Anti-fraud implementation of WBS is regulated in the GCG Policy
yang mencakup: Perlindungan kepada Whistleblower, and Anti-Fraud Procedure, which includes: Protection for
Sistem Pelaporan dan Mekanisme Tindak Lanjut Laporan Whistleblowers, Reporting System and Whistleblower Report
Whistleblower, Pengaduan Indikasi Fraud, serta Contact Follow Up Mechanism, Complaints on Fraud Indications, and
Center WBS. WBS Contact Center.

2021 Annual Report
Bank Muamalat Indonesia menjamin kerahasiaan Bank Muamalat Indonesia guarantees the confidentiality
identitas pelapor dan laporannya serta memberikan of the identity of the whistleblowers and their report and
perlindungan penuh bagi whistleblower. Whistleblower dapat provides full protection for whistleblowers. Whistleblowers
menyampaikan dugaannya secara pribadi, baik melalui can convey their allegations personally, either by letter,
surat, telepon, e-mail serta media lainnya. Laporan dugaan telephone, e-mail and other media. Reports of alleged
pelanggaran bisa disampaikan kepada Contact Center WBS violations can be submitted to the WBS Bank Muamalat
Bank Muamalat Indonesia, yakni: Indonesia Contact Center, namely:
Contact Center WBS PT Bank Muamalat Indonesia Tbk WBS Contact Center PT Bank Muamalat Indonesia Tbk
Muamalat Tower Lantai 9 Muamalat Tower Fl. 9th
Jl. Prof. Dr. Satrio Kav. 18 Jl. Prof. Dr. Satrio Kav. 18
UP. Anti Fraud UP. Anti Fraud
E-mail: antifraud@bankmuamalat.co.id E-mail: antifraud@bankmuamalat.co.id
Bank Muamalat Indonesia memberi jaminan perlindungan Bank Muamalat Indonesia guarantees protection to the
kepada Pelapor yang beritikad baik beserta keluarganya Whistleblower with good intentions and to their families
dengan merahasiakan identitas diri Pelapor. Selain itu, by keeping the identity of the Whistleblower confidential.
Bank Muamalat Indonesia juga memberikan bantuan In addition, Bank Muamalat Indonesia also provides legal
perlindungan hukum kepada Pelapor dari segala bentuk assistance to the Whistleblower from all forms of threats,
ancaman, intimidasi, hukuman atau tindakan yang tidak intimidation, punishment or unpleasant actions from any
menyenangkan dari pihak manapun. Perlindungan juga party. Protection is also provided to employees who conduct
diberikan kepada karyawan yang melakukan penyelidikan the investigation and to those who provide information
dan bagi yang memberikan informasi terkait dengan related to investigations of violations.
penyelidikan pelanggaran.
Apabila Terlapor terbukti melakukan pelanggaran, maka If the Reported Party is proven to have committed a violation,
sanksi yang diberikan mengacu pada ketentuan yang berlaku then the sanctions imposed refer to the provisions applicable
di Perseroan, maupun sesuai dengan perundang-undangan in the Company, as well as in accordance with the applicable
yang berlaku. laws and regulations.
Selama tahun 2021 Bank Muamalat Indonesia During 2021 Bank Muamalat Indonesia performed followed
menindaklanjuti dengan melakukan investigasi terhadap up actions by conducting investigations on indications of
indikasi fraud yang dilaporkan. reported fraud.
Terhadap pelaku dan pihak terkait dari kasus pelanggaran Against the perpetrators and related parties of the violation
tersebut, Bank telah memberikan sanksi. Bagi pelaku, case, the Bank has imposed sanctions. For the perpetrators,
Bank menerapkan sanksi tegas dengan mengacu pada the Bank applies strict sanctions by referring to the Zero
kebijakan Zero Tolerance yaitu Pemutusan Hubungan Kerja, Tolerance policy, namely Termination of Employment, while
sementara untuk pihak terkait sanksi diberikan dengan for the related parties, the sanctions were imposed by
mempertimbangkan tingkat kelalaian dan dampak yang considering the level of negligence and the impact.
ditimbulkan.
Melalui penanganan kasus-kasus tersebut, diidentifikasi Through the handling of these cases, the root causes and
root cause maupun kelemahan dari sistem yang masih weaknesses of the system that may still be violated and
mungkin dilanggar dan memberi risiko, untuk kemudian pose risks can be identified, then recommendations for
diberikan rekomendasi perbaikan terkait prosedur maupun improvement related to procedures and infrastructure are
insfrastruktur sebagai bentuk risk mitigation (pencegahan) provided as a form of risk mitigation (prevention) against
terhadap kasus fraud di masa mendatang dan bagian dari future fraud cases and part of continuous detection.
deteksi berkelanjutan.

Pendapatan Non Halal dan

Penggunaannya
Non-Halal Income and Use
Berikut adalah rincian pendapatan non halal Bank sepanjang The following is a breakdown of the Bank’s non-halal income
2021 dan penggunaannya. throughout 2021 and its use.
(dalam Rp juta | In Rp million)
No. Sumber Pendapatan Non Halal Nilai Pendapatan Non Halal Penggunaan Pendapatan Non Halal
Non-Halal Income Source Value of Non-Halal Income Use of Non Halal Revenue
1 Non Halal 637 637
Total 637 637

2021 Annual Report
Tanggung Jawab
Sosial Perusahaan
Corporate Social Responsibility
584 Komitmen Pelaksanaan Tanggung Jawab Sosial

Perusahaan
Corporate Social Responsibility Implementation
Commitment
593 Tanggung Jawab Sosial di Bidang Hak Asasi Manusia
Social Responsibility in the Field of Human Rights
607 Tanggung Jawab Sosial di Bidang Operasi yang Adil
Social Responsibility in the Field of Fair Operations
609 Tanggung Jawab Sosial di Bidang Lingkungan Hidup
Social Responsibility in the Environmental Field
603 Tanggung Jawab Sosial di Bidang Ketenagakerjaan,
Kesehatan, dan Keselamatan Kerja
Social Responsibility in the Field of Occupational Health
and Safety
608 Tanggung Jawab terhadap Nasabah
Responsibility towards Customers
612 Tanggung Jawab terhadap Pengembangan Sosial dan
Kemasyarakatan
Responsibility towards Social and Community
Development
Komitmen Pelaksanaan Tanggung Jawab

Sosial Perusahaan
Corporate Social Responsibility Implementation Commitment
Komitmen PT Bank Muamalat Indonesia Tbk dalam Corporate Social Responsibility (CSR) is much more than a set
menerapkan tanggung jawab sosial perusahaan atau of obligation-meeting niceties for Bank Muamalat Indonesia.
Corporate Social Responsibility (CSR) didasarkan pada prinsip It genuinely stems from the bank’s moral obligations to its
sharing the value. Bank melakukan distribusi manfaat yang stakeholders and is why the bank attempts to emphasize the
diterima dari kegiatan usaha sebagai wujud tanggung importance of value. The value principle underpins PT Bank
jawab moral kepada para pemangku kepentingan. Dengan Muamalat Indonesia Tbk’s commitment to implementing its
demikian, implementasi CSR bukan sekadar melaksanakan Corporate Social Responsibility (CSR). The bank shares the
kewajiban yang ditetapkan peraturan perundang-undangan, benefits of its economic activity as a moral obligation to its
tetapi telah melekat menjadi bagian dari kegiatan usaha. stakeholders. As a result, CSR becomes no longer just about
fulfilling legal and regulatory obligations; it has evolved into
an essential component of corporate operations.
Penerapan CSR juga memiliki peran penting bagi Bank, CSR is also important for the bank because it serves as a
yaitu sebagai perangkat kegiatan yang merepresentasikan vehicle for initiatives that demonstrate the bank’s presence
kehadiran Bank di lingkungan masyarakat, entitas bisnis, in the community, among businesses, and with other
serta pemangku kepentingan lain. Upaya tersebut akan stakeholders. These measures will improve the bank’s
meningkatkan citra positif Bank sambil terus memberikan image while also ensuring that it continues to make the best
kontribusi optimal bagi ekonomi, lingkungan, dan sosial possible contribution to the economy, environment, and
kemasyarakatan. social community.
Oleh karena itu, BMI berkeyakinan bahwa ukuran As a result, BMI believes that a company’s CSR effectiveness
keberhasilan suatu perusahaan dalam sudut pandang is defined by prioritizing moral and ethical values, specifically,

PT Bank Muamalat Indonesia Tbk menyajikan informasi tanggung

jawab sosial dan lingkungan secara terperinci dalam bentuk
Laporan Keberlanjutan pada buku terpisah. Laporan tersebut,
sesuai dengan Surat Edaran Otoritas Jasa Keuangan (SEOJK) No. 16.
SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Emiten
atau Perusahaan Publik dan mengacu kepada Peraturan Otoritas
Jasa Keuangan (POJK) No. 51/POJK.03/2017 tentang Penerapan
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten,
dan Perusahaan Publik.
In a separate report, PT Bank Muamalat Indonesia Tbk has provided information on social and
environmental responsibilities in the form of a sustainability report. The report refers to the Circular
Letter of the Financial Services Authority (SEOJK) No. 16. SEOJK.04/2021 regarding the Form and
Content of the Annual Report of Issuers or Public Companies and refers to Financial Services Authority
Regulation (POJK) No. 51/POJK.03/2017 on the Implementation of Sustainable Finance for Financial
Service Institutions, Issuers, and Public Companies.
CSR adalah mengedepankan prinsip moral dan etis, yaitu achieving the best results while avoiding damaging other
menggapai suatu hasil terbaik, tanpa merugikan kelompok community groups.
masyarakat lainnya.
Dasar Hukum Kebijakan CSR Legal Basis for CSR Policy

Dalam menentukan kebijakan pelaksanaan CSR, Muamalat Indonesia has a legal basis for its CSR policy,
BMI mengacu pada beberapa landasan hukum yang set on two levels: the sharia, and the legal and regulatory
dikelompokkan dalam 2 (dua) landasan, yakni landasan considerations are described below.
syariah serta landasan hukum dan peraturan.
Landasan Syariah Sharia Basis

1. Al-Quran yang tertuang pada QS Al-Imron 1 ayat 92, 1. Al-Qur’an as stated in QS Al Imron verse 92, QS Al-Maidah
QS Al-Maidah ayat 2, QS Al-An’am ayat 160, QS Al-Balad verse 2, QS Al-An’am verse 160, QS Al-Balad verses 12-16.
ayat 12-16.
2. Hadits Rasulullah mengenai kebaikan donasi dan 2. Rasulallah’s hadith regarding kindness, donations and
membantu menghilangkan kesulitan sesama manusia helping to help ease the burden of others as encouraged
yang tersebar di beberapa hadis seperti Hadits Riwayat in many hadiths narrated by Buchori Muslim, and
Buchori Muslim, dan Muttafaq ‘alaih. Muttafaq ‘alaih.
Landasan Hukum dan Peraturan Regulatory Base and Regulation

1. Undang Undang No. 25 tahun 2007 tentang Penanaman 1. Law No. 25 of 2007 concerning Investment.
Modal.
2. Undang-Undang No. 13 tahun 2011 tentang Penanganan 2. Law No. 13 of 2011 concerning helping those in need.
Fakir Miskin.
3. Undang-Undang No. 23 tahun 2011 tentang Pengelolaan 3. Law No. 23 of 2011 concerning zakat management.
Zakat.
4. Undang-Undang No. 40 tahun 2007 tentang Perseroan 4. Law no. 40 of 2007 concerning Limited Liability
Terbatas Companies.

2021 Annual Report
5. Peraturan Pemerintah Republik Indonesia No. 47 tahun 5. Indonesian Government Regulation No. 47 of 2012
2012 tentang Tanggung Jawab Sosial dan Lingkungan concerning Social and Environmental Responsibility of
Perseroan Terbatas Limited Liability Companies.
6. Peraturan Bank Indonesia No. 11/33/PBI/2009 tentang 6. Bank Indonesia Regulation No. 11/33/PBI/2009
Pelaksanaan GCG bagi Bank Umum Syariah dan Unit concerning the Implementation of GCG for Sharia
Usaha Syariah. Commercial Banks and Sharia Business Units.
7. POJK No. 8/POJK.04/2015 tentang Situs Web Emiten atau 7. POJK No. 8/POJK.04/2015 concerning Websites of Issuers
Perusahaan Publik, Pasal 6 poin d dan Pasal 5 mengenai or Public Companies, Article 6 Point d, and Article 5
Tanggung Jawab Sosial Perusahaan. regarding Corporate Social Responsibility.
8. POJK No. 29/POJK.04/2016 tentang Laporan Tahunan 8. POJK No. 29/POJK.04/2016 concerning the Annual Report
Emiten atau Perusahaan Publik. of Issuers or Public Companies.
9. SEOJK No. 30/SEOJK.04/2016 tanggal 3 Agustus 2016 9. SEOJK No.30/SEOJK.04/2016 dated August 3, 2016,
tentang Bentuk dan Isi Laporan Tahunan Emiten dan concerning the Form and Content of the Annual Report
Perusahaan Publik. of Issuers and Public Companies.
10. POJK No. No. 51/POJK.03/2017 tahun 2017 tentang 10. POJK No. No. 51/POJK.03/2017 of 2017 concerning the
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Implementation of Sustainable Finance for Financial
Keuangan, Emiten, dan Perusahaan Publik. Service Institutions, Issuers, and Public Companies.
11. Kebijakan GCG No. CPL.KBJ.014.2016. 11. GCG Policy No. CPL.KBJ.014.2016.
Metode dan Lingkup Due Diligence terhadap Methods and Scope of Due Diligence on the
Dampak Sosial, Ekonomi dan Lingkungan Social, Economic, and Environmental Impact
dari Aktivitas Bank of the Bank’s Activities
Dalam menjalankan kegiatan usahanya, salah satu In order to deliver business operations, BMI’s priority is
prioritas BMI adalah memberikan nilai tambah bagi para to add value to stakeholders. Therefore, banks strive to
pemangku kepentingan. Karena itu, Bank selalu berupaya minimize the possible negative effects of all bank operations.
meminimalisasi dampak negatif yang mungkin dapat timbul
dari seluruh aktivitas operasional Bank.
Berpijak pada hal di atas, Bank selalu membuat analisis Based on the above, the Bank always makes an analysis
terhadap dampak sosial, ekonomi, dan lingkungan dari of the social, economic, and environmental impact of
kegiatan usahanya. Upaya ini dilakukan untuk memahami its business activities. This effort is made to understand
dengan tepat kondisi lingkungan usaha dari sudut pandang precisely the environment of the business from outside of
pihak luar Bank. Dengan begitu, Bank dapat memberikan the Bank’s point of view. In this way, the Bank can maximize
nilai tambah bagi seluruh pemangku kepentingan secara the added value to all stakeholders. The method used to
maksimal. Metode yang digunakan untuk memetakan map the condition is through due diligence or due diligence
kondisi tersebut dilakukan melalui uji tuntas atau due as a reference to best practice.
diligence yang mengacu pada best practice yang ada.
Due diligence merupakan proses komprehensif untuk Due diligence is a comprehensive process for assessing
menilai dampak positif dan negatif dari keputusan dan the positive and negative effects of company decisions
kegiatan perusahaan yang dapat memengaruhi lingkungan and activities that can affect environmental, economical,
hidup, ekonomi dan aspek sosial. Mengingat wilayah and social aspects. Given the Bank’s broad operating area,
operasional Bank yang luas, para pemangku kepentingan stakeholders have varying expectations in each region.
memiliki ekspektasi yang berbeda-beda di tiap wilayah. Therefore, this process does much to help the Bank
Karena itu, proses tersebut sangat membantu Bank untuk understand the situation.
memahaminya.
Melalui metode survei, Bank mengidentifikasi berbagai Through survey methods, the Bank identified various
kelompok pemangku kepentingan yang memiliki pengaruh stakeholder groups that had a significant impact on
signifikan terhadap kegiatan bisnis Bank. Para pemangku the Bank’s business activities, such as shareholders,
kepentingan dimaksud, dari pemegang saham, masyarakat, communities, employees, labor unions, the government,
karyawan dan serikat pekerja, pemerintah, regulator dan regulators and legislators, customers, partners, the mass
legislatif, nasabah, rekanan, media massa, hingga aparat media, and security forces. In using these surveys, the Bank
keamanan. Dengan cara ini, Bank mendapatkan hasil yang achieves optimal results.
optimal.

Identifikasi tersebut juga dilengkapi dengan stakeholders Identification is also supported by stakeholder mapping to
mapping, sehingga Bank mampu memetakan dengan jelas identify the stakeholders who have the greatest reciprocal
pihak yang paling berkepentingan dengan Bank secara interest in the Bank, their intermediary connections, the
timbal-balik, hubungan apa yang dijalin, materi yang perlu materials to communicate, and how to maximize media
dikomunikasikan, serta bagaimana memaksimalkan media communication. Thus, effective relationships between
komunikasi. Dengan demikian, hubungan yang efektif the Bank and stakeholders can be created and that can
antara Bank dengan para pemangku kepentingan dapat eventually reach the expected target.
tercipta yang pada akhirnya mampu mencapai target yang
diharapkan.
Stakeholder Penting yang Terdampak atau Important Stakeholders Who Affect or Are
Berpengaruh pada Dampak dari Kegiatan Affected by Bank Activities
Perusahaan
Dari kegiatan due diligence, Bank mendapatkan hasil berupa The Bank acquires results from its due diligence activities in
penetapan pihak-pihak serta isu-isu yang memiliki dampak the form of identifying the parties and issues that have an
ataupun terpengaruh dari kegiatan Bank. Rinciannya impact or are affected by Bank activities. The information is
disampaikan melalui tabel di bawah ini. listed in the table below.
Peta Para Pemangku Kepentingan Bank Muamalat Map of Bank Muamalat Indonesia Stakeholders
Indonesia
Pemangku
Pendekatan Topik Respons terhadap Topik Frekuensi
Kepentingan
Approach Topics Response to Topic Frequency
Stakeholders
Pemegang Saham Komunikasi melalui Rapat Bank mempertahankan dan • Meningkatkan Paling tidak setahun
Umum Pemegang Saham meningkatkan nilai usaha kemampuan, sekali
Tahunan dan Rapat Umum sesuai harapan pemegang keterampilan dan
Pemegang Saham Luar saham. keahlian karyawan.
Biasa. • Meningkatkan performa
Bank.
Shareholders Communication through The Bank maintains and • Improve the abilities, At least once a year
the Annual General Meeting increases business value skills and expertise of
of Shareholders and the according to shareholder employees.
Extraordinary General expectations. • Improve the Bank’s
Meeting of Shareholders performance.
Media Massa • Mengimplementasikan Keterbukaan informasi yang Menyampaikan informasi Paling tidak tiga kali
prinsip-prinsip akurat dan terkini. akurat mengenai berita dalam setahun.
keterbukaan informasi terkini Bank.
yang selayaknya
diketahui publik
melalui penyampaian
berita maupun bentuk
informasi lainnya.
• Melakukan kunjungan ke
media maupun ke unit
kerja Bank Muamalat
Indonesia untuk
memperluas wawasan
mengenai kegiatan
bisnis Bank Muamalat
Indonesia.
Mass Media • Implementing the Disclosure of accurate and Disclose accurate At least three times in
principles of information up-to-date information. information regarding the a year
disclosure that the public latest Bank news
should know through
news and other forms of
information.
• Conducted visits to the
media and work units
of Bank Muamalat
Indonesia to broaden
their horizons on
business activities
of Bank Muamalat
Indonesia.

2021 Annual Report
Pemangku
Kepentingan
Stakeholders
Masyarakat • Memperluas akses • Semakin meningkatnya • Optimalisasi program Paling tidak tiga kali
dan porsi pembiayaan taraf kehidupan pembiayaan sektor dalam setahun.
produktif bagi Usaha masyarakat (“umat”) UMKM yang telah
Mikro Kecil dan melalui produk terlaksana.
Menengah (UMKM). pembiayaan berbasis • Meningkatkan jumlah
• Meningkatkan akses syariah untuk mitra nasabah baru
keuangan syariah bagi pengembangan UMKM. di daerah pelosok
penduduk di daerah • Kian meningkatnya nusantara.
populasi rendah. jumlah nasabah syariah • Memberikan kualitas
• Menyediakan layanan hingga ke daerah pelosok layanan melebihi
khusus ‘Satu Atap nusantara. ekspektasi nasabah.
bagi Haji dan Umrah’ • Meningkatnya kualitas • Memberikan konsultasi
(1HRAM). serta kenyamanan dari dan pelatihan yang
• Menyelenggarakan layanan khususnya bagi lebih luas mengenai
konsultasi edukasi nasabah calon Haji dan perencanaan keuangan
tentang perencanaan Umrah. berbasis syariah kepada
keuangan syariah. • Naiknya literasi masyarakat luas.
masyarakat luas
terkait produk/layanan
perbankan syariah.
The Public • Expanding access and • Improved standard of • Optimization of the At least three times in
portion of productive living of the community existing MSME sector a year
financing for Micro, Small (“ummah”) through financing programs
and Medium Enterprises sharia-based financing • Increasing the number of
(MSMEs). products for the new customer partners
• Increasing access development of MSMEs. in remote areas of the
to sharia finance • The increasing number archipelago.
for residents in low of sharia customers • Providing service quality
population areas. to remote areas of the that exceeds customer
• Providing a special archipelago. expectations.
service ‘One Roof for Hajj • Increased quality and • Providing broader
and Umrah’ (1HRAM). convenience of services, consultation and training
• Organizing educational especially for prospective on sharia-based financial
consultations on sharia Hajj and Umrah planning to the wider
financial planning. customers. community.
• Higher public literacy
related to sharia banking
products / services.
Pemerintah dan • Melakukan komunikasi • Kepatuhan terhadap • Melakukan evaluasi Paling tidak tiga kali
Pembuat Kebijakan dan mematuhi seluruh seluruh regulasi yang secara berkala sebagai dalam setahun.
regulasi yang berlaku, berlaku. alat ukur efektivitas
termasuk dalam • Tata Kelola Perusahaan kepatuhan terhadap
pelaporan rutin. yang Baik. regulasi yang berlaku.
• Membayar pajak, biaya • Kerja sama dalam • Meningkatkan program-
pungutan pemerintah program Corporate Social program Anti Korupsi
dan biaya terkait non- Responsibility (CSR). serta Anti Pencucian
pajak lainnya. Uang dan Pencegahan
• Melakukan partisipasi Pendanaan Terorisme
aktif dalam musyawarah (APU-PPT).
rencana kegiatan • Meningkatkan kerja sama
bersama. program-program CSR
• Meminta masukan dengan Pemerintah.
dari berbagai lembaga
pemerintah terhadap
aspek-aspek operasional
Bank Muamalat
Indonesia.
Government and Policy • Communicating and • Compliance with all • Make periodic At least three times a
Makers complying with all applicable regulations. evaluations as a measure year
applicable regulations, • Good Corporate of the effectiveness
including routine Governance. of compliance with
reporting. • Cooperation in programs applicable regulations.
• Pay taxes, government Corporate Social • Do more Anti-Corruption
levies and other non-tax Responsibility (CSR). and Anti-Money
related expenses. Laundering and
• Perform active Terrorism Financing
participation in Prevention (AML-PPT)
deliberations on joint programs.
activity plans. • Increase cooperation in
• Request input from CSR programs with the
various government Government.
agencies on operational
aspects of Bank
Muamalat Indonesia.

Pemangku
Kepentingan
Stakeholders
Industri sejenis (Bank Berkomunikasi dan • Terjalinnya kerja sama Melaksanakan aktivitas Paling tidak tiga kali
Syariah lain) berkolaborasi dengan yang baik di antara dan kegiatan perbankan dalam setahun.
lembaga seperti: sesama industri syariah yang sesuai dengan
• Asosiasi Bank Syariah perbankan syariah. prosedur, beretika/Good
Indonesia (ASBISINDO). • Terciptanya persaingan Corporate Gorvernance
• Pusat Komunikasi usaha yang sehat. (GCG).
Ekonomi Syariah (PKES). • Pertemuan berkala di
• Masyarakat Ekonomi antara sesama pelaku
Syariah (MES). bisnis.
Similar Industries (other Communicate and • The more established Carry out programs At least three times a
Sharia Bank) collaborate with institutions good cooperation among and activities of sharia year
such as: the sharia banking banking in accordance with
• Indonesian Sharia Bank industry. procedures, ethics/Good
Association (ASBISINDO). • The creation of fair Corporate Governance
• Center for business competition. (GCG).
Sharia Economic • Regular meetings among
Communication (PKES). fellow business people.
• Sharia Economic
Community (MES).
Nasabah • Menyediakan produk • Peningkatan intensitas • Konsistensi Paling tidak tiga kali
dan layanan keuangan penyelenggaraan penyelenggaraan dalam setahun.
syariah. sosialisasi terkait program-program
• Mengadakan pertemuan produk dan layanan edukasi terbuka kepada
reguler untuk keuangan Bank terutama setiap nasabah Bank.
mendiskusikan isu terkait bagi nasabah baru • Meningkatkan sistem
kontrak yang telah dan masyarakat yang pada fasilitas dan
disetujui. belum teredukasi akses keamanan transaksi
• Menyelenggarakan keuangan berbasis perbankan syariah.
mekanisme pengaduan syariah. • Memberikan informasi
dan tindak lanjutnya. • Peningkatan fasilitas dan akurat kepada setiap
• Melakukan survei untuk akses perbankan serta nasabah mengenai
mengetahui kepuasan keamanan transaksi. informasi terkini produk
pelanggan dengan • Transparansi informasi dan layanan perbankan
Customer Satisfaction layanan Bank. syariah.
Index.
• Menjaga privasi
pelanggan.
• Mengadakan acara
customer gathering.
Customers • Providing sharia financial • Increasing intensity • Consistency in the At least three times a
products and services. related socialization implementation of open year
• Holding regular meetings products and Bank’s education programs for
to discuss issues related financial services every Bank customer.
to the contract that has especially for new • Improvement in the
been approved. customers new and system for the facilities
• Organizing a complaint uneducated community and security of sharia
mechanism and its of financial access based banking transactions.
follow-up. on sharia. • Provision of accurate
• Conducting a survey to • Improving facilities and information to each
determine customer banking access as well as customer about the
satisfaction with the security transaction. latest information on
Customer Satisfaction • Transparency of sharia banking products
Index. information Bank and services.
• Maintaining customer services.
privacy.
• Holding customer
gathering events.
Organisasi Informasi dan • Pengungkapan informasi Pelibatan dan penyediaan Paling tidak tiga kali
Kemasyarakatan/ pengembangan kapasitas yang jelas dan terkini. informasi yang akurat dalam setahun.
Perusahaan Nirlaba terkait keuangan • Peningkatan kapasitas terkait perkembangan
berkelanjutan. yang berhubungan terakhir keuangan
dengan keuangan berkelanjutan Bank.
berkelanjutan.
NGO and Community Information and capacity • Disclosure clear and Involving and providing At least three times a
Organization building related to current information. accurate information year
sustainable finance. • Capacity building which related to the latest
is related to finance developments in the Bank’s
sustainability. sustainable finance.

2021 Annual Report
Pemangku
Kepentingan
Stakeholders
Rekanan • Membuat kontrak kerja Transparansi dalam proses Melaksanakan sistem Paling tidak tiga kali
yang dilandasi panduan pengadaan. pengadaan yang mematuhi dalam setahun
kerja dan Standar Etika prinsip-prinsip panduan
Bank. kerja dan standar etika.
• Melakukan pengawasan
serta evaluasi berkala
pelaksanaan kontrak
kerja sesuai dengan
panduan kerja dan
Standar Etika Bank.
• Melakukan sanksi
penghentian kontrak
kerja sama terhadap
pemasok, yang
mengabaikan panduan
kerja dan Standar Etika
Bank.
Partner • Creating a work contract Transparency in Implement a procurement At least three times a
based on work guidelines procurements system that adheres to the year
and the Bank’s Ethical guiding principles of work
Standards. and ethical standards.
• Supervising and
periodically evaluating
the implementation
of work contracts in
accordance with the work
guidelines and the Bank’s
Ethical Standards.
• Giving sanctions
of termination of
cooperation contracts
with suppliers who fail
to obey the Bank’s work
guidelines and ethical
standards.
Informasi tentang Isu-isu Penting di Bidang Information on Important Socio-Economic

Sosial, Ekonomi dan Lingkungan terkait and Environmental Issues Related to the
Dampak Kegiatan Perusahaan Impact of Company Activities
BMI menggunakan hasil Survei Nasional Literasi Keuangan The results of the Financial Services Authority National
(SNLIK) Otoritas Jasa Keuangan (OJK) sebagai acuan penting Survey on Financial Literacy (SNLIK) are a key reference
dalam menentukan isu terkait dengan kegiatan Bank. Survei used by BMI in setting important issues related to the Bank’s
terakhir dilakukan untuk tahun 2019, yang dipublikasikan activities. The last poll was conducted in 2019, and the
OJK pada Desember 2020. Hasilnya menyatakan bahwa results were published by OJK in December 2020. The survey
indeks literasi keuangan mencapai 38,03% dan indeks inklusi showed that the financial literacy index has reached 38.03%,
keuangan 76,19%. Angka tersebut meningkat dibanding while the financial inclusion index is at 76.19%. Both figures,
hasil survei 2016, dengan capaian masing-masing sebesar respectively, increased from 29.7% and 67.8% in 2016.
29,7% dan 67,8%.
Sejalan dengan program pemerintah, literasi keuangan In accordance with government programs, financial literacy
ini menjadi isu penting bagi BMI. Karena itu, meskipun has become an important issue for BMI. Therefore, despite
persentase masyarakat yang memahami dan memiliki the increasing percentage of people who understand and
akses terhadap layanan keuangan terus meningkat, akan have access to financial services, efforts to improve public
tetapi upaya peningkatan literasi masyarakat harus selalu literacy must always continue.
dilanjutkan.
Isu lain di bidang sosial yang juga menjadi perhatian Bank The bank pays close attention to issues in the social sector,
mencakup kegiatan ketahanan ekonomi masyarakat, including how to sustain the public economy, especially
terutama masyarakat menengah ke bawah. Berdasarkan for the middle and lower classes. With this as a reference,
kondisi tersebut, Bank Muamalat berusaha menciptakan Bank Muamalat is seeking to create products that the wider
produk–produk yang dapat dijangkau oleh masyarakat luas. community will find not only affordable but also easy to
access.

Organisasi Pengelola CSR CSR Managing Body

Pengelolaan CSR di lingkungan Bank berada pada Sub The Bank has set the CSR managing body under the Creative
Fungsi kerja Creative Communication & Engagement, Fungsi Communication & Engagement Sub-function, Marketing &
kerja Marketing & Customer Management, Direktorat Retail Customer Management Sub-function, in the Retail Banking
Banking. Berikut adalah bagannya. Directorate. The chart is shown below.
Head of Marketing &

Customer Management
Head of Creative Communication &

Engagement
• Graphic Design Creator

• Videographic Creator
• Content Creator
• Customer Engagement & CSR
Dalam pelaksanaannya, kegiatan CSR tidak hanya dilakukan In practice, CSR activities are not solely carried out by
sendiri oleh fungsi yang berada dalam struktur. Sub- internal functions. Other sub-directorates can also carry
direktorat lainnya juga dapat melaksanakan kegiatan CSR out CSR activities by aligning business and corporate sides,
dengan menyelaraskan antara sisi bisnis dan korporat, especially Islamic Business & SME, Distribution & Network
terutama untuk Islamic Business & SME, Distribution & Management, and Human Capital. All units should be
Network Management, serta Human Capital. Seluruh unit coordinated with Baitulmaal Muamalat, a subsidiary which
tersebut harus berkoordinasi dengan Baitulmaal Muamalat, has been specifically entrusted with philanthropy for Bank
anak perusahaan yang menjalankan kegiatan filantropi Bank Muamalat Indonesia and manages its zakat funds.
melalui pengelolaan dana zakat perusahaan.
Lingkup Tanggung Jawab Sosial Perusahaan The Scope of Corporate Social Responsibility
Baik yang Merupakan Kewajiban Maupun in Obligation-Meeting and Obligation-
yang Melebihi Kewajiban Exceeding
BMI telah menetapkan ruang lingkup tanggung jawab BMI has defined its Corporate Social Responsibility as
sosial perusahaan, antara lain terkait dengan perlindungan covering customer protection, compliance with regulators,
terhadap nasabah, kepatuhan kepada regulator, serta and contribution to the community and environment, as
berkontribusi bagi masyarakat dan lingkungan yang diatur stipulated under sustainable finance regulations. In relation
dalam regulasi keuangan berkelanjutan. Mengacu pada to that scope, BMI has implemented a variety of annual
lingkup itu, setiap tahunnya BMI telah mengimplementasikan programs on an ongoing basis.
sejumlah program secara berkesinambungan.
Di luar yang bersifat wajib tersebut, Bank juga menyalurkan In addition, the Bank distributes zakat, infaq, and alms funds,
dana zakat, infak, dan sedekah, dengan fokus kepada donasi, which focus on donations, community socio-economic
pengembangan sosial ekonomi kemasyarakatan, lingkungan development, the environment, and education. The Bank
serta pendidikan. Bank juga membuat produk-produk yang also makes donation-based sharia products.
berasaskan pada donasi.
Strategi dan Program Kerja Perusahaan Strategy and Company Work Program
dalam Menangani Isu-isu Sosial, Ekonomi in Handling Social, Economic, and
dan Lingkungan dalam Upaya Stakeholder Environmental Issues in Stakeholder
Engagement dan Meningkatkan Nilai bagi Engagement Efforts and Increasing Value for
Stakeholder dan Pemegang Saham Stakeholders and Shareholders
Semua pihak di dalam Bank, mulai dari kantor pusat, The Bank engages all parties in executing its strategies and
cabang, unit CSR hingga anak perusahaan serta Baitulmaal programs to address social and economic issues, from
Muamalat yang merupakan badan pengelola dana zakat, the head office, branches, CSR units, subsidiaries, and

2021 Annual Report
infak dan sedekah menjalankan strategi dan program BMI Baitulmaal Muamalat which is entrusted with managing all
dalam menangani isu sosial dan ekonomi. Sementara isu the zakat, infaq, and alms funds. Meanwhile, environmental
lingkungan yang berpusat pada isu energi, lingkungan, issues such as energy, the environment, and waste issues
dan limbah dikelola oleh tim Corporate Real Estate & are managed by the Corporate Real Estate & Procurement
Procurement (CREP). (CREP) team.
Terkait dengan penerapan kebijakan Indonesian Sustainable In relation to the implementation of the Indonesian
Palm Oil/Roundtable on Sustainable Palm Oil (ISPO/RSPO), tim Sustainable Palm Oil/Roundtable on Sustainable Palm
Wholesale Banking bertanggung jawab dalam mengayomi Oil (ISPO/RSPO) policy, the Wholesale Banking team is
pembiayaan nasabah korporasi. Seluruh strategi ini responsible for securing corporate customer financing.
diharapkan dapat meningkatkan nilai tambah bagi The strategies should increase the added value for the
stakeholder dan para pemegang saham. stakeholders and shareholders.
Program yang Melebihi Tanggung Jawab Programs that Exceed the Minimal
Minimal Perusahaan yang Relevan dengan Responsibilities of the Company that are
Bisnis yang Dijalankan Relevant to Business Conducted
Program-program CSR yang dijalankan oleh Bank sejalan The Bank’s CSR programs are consistent with the 17
dengan 17 Tujuan Pembangunan Berkelanjutan atau sustainable development goals (SDGs). A focus on donations,
Sustainable Development Goals (SDGs). Fokus di bidang donasi for example, would be consistent with goal 1: without poverty
misalnya, hal itu selaras dengan Tujuan 1: Tanpa Kemiskinan and purpose 2: without hunger, which is part of the SDGs.
dan Tujuan 2: Tanpa Kelaparan yang merupakan bagian dari
SDGs.
Begitu juga dengan kegiatan CSR di bidang pendidikan. CSR activities in education follow the same process. The
Program tersebut selaras dengan Tujuan 4 SDGs: Pendidikan program harmonizes with the objective of the 4 SDGs:
Berkualitas. quality education.
Pembiayaan dan Anggaran Tanggung Jawab Social Responsibility Financing and

Sosial Budgeting
Sesuai dengan kebijakan internal Bank, biaya pelaksanaan In line with the Bank’s internal policy, the allocated budget
program CSR dialokasikan dari dari zakat perusahaan dan for CSR activities comes from the company and employee
zakat karyawan, yaitu sebesar 2,5% keuntungan perusahaan zakat, which is 2.5% of the bank’s profit and employees’
dan gaji karyawan, serta dari zakat bagi hasil dan dana salary, as well as from profit sharing and benevolence/non-
kebajikan/non-halal. Pada tahun 2021, realisasi pembiayaan halal funds. In 2021, the realized CSR financing reached
CSR tersebut mencapai Rp7,78 miliar, turun 16,2% dari Rp7.78 billion, down 16.2% from the realized figure of Rp9.29
realisasi tahun 2020 yang sebesar Rp9,29 miliar. billion in 2020.
Realisasi Biaya
Kegiatan Cost Realization Activity
(Rp juta | million)
Jaminan Sosial Muamalat 2.629 Muamalat Social Security

Rumah Harapan 664 Rumah Harapan
Beasiswa CIKAL Muamalat 1.098 CIKAL Muamalat Scholarship
Beasiswa Sarjana Muamalat 1.423 Muamalat Undergraduate Scholarship
Muamalat Solidarity Boarding School 1.819 Muamalat Solidarity Boarding School
Dusun Zakar Muamalat 114 Dusun Zakat Muamalat
Muamalat Sahabat UKM/MSME 35 Muamalat Sahabat UKM/MSME
Total 7.784 Total

Tanggung Jawab Sosial di Bidang Hak

Asasi Manusia
Social Responsibility in the Field of Human Rights
Komitmen dan Kebijakan Commitment and Policy
BMI menjadikan prinsip Hak Asasi Manusia (HAM) sebagai BMI follows the principle of human rights (HAM) a guiding
pedoman dasar dalam operasional perusahaan, yang principle in company operations, which applies to both the
berlaku baik bagi internal Bank maupun pihak luar. Bank internal Bank and external parties. The Bank ensures that
menjamin terpenuhinya hak dasar tersebut, termasuk juga these fundamental rights are respected by all clients and
bagi seluruh nasabah dan pihak terkait lainnya. linked parties.
Pelaksanaan komitmen dan kebijakan tersebut mengacu Human Rights Law No. 39 of 1999 governs the implementation
pada Undang-Undang No. 39 tahun 1999 tentang Hak Asasi of these commitments and policies. The following are the
Manusia. Prinsip-prinsip yang tertuang dalam undang- legal principles:
undang tersebut adalah:
• Hak untuk Hidup • The Right to live

• Hak Berkeluarga dan Melanjutkan Keturunan • Family and Continuing Descendants’ Rights
• Hak Mengembangkan Diri • The Right to Self-development
• Hak Memperoleh Keadilan • The Right to Justice
• Hak atas Kebebasan Pribadi • The Right to Personal Freedom
• Hak atas Rasa Aman • The Right to Security
• Hak atas Kesejahteraan • The Right to Welfare
• Hak Turut Serta dalam Pemerintahan • The Right to Participate in Government
• Hak Wanita/Kesamaan Gender • Women’s Rights/Gender Equality
• Hak Anak • The Rights of Children
Penerapan kebijakan dan komitmen HAM tersebut didasari The Bank’s policy and commitment on human rights is
pada pemahaman Bank mengenai HAM, yaitu sebuah based on the understanding that human rights are a legal
konsep hukum dan normatif yang menyatakan bahwa and normative concept underlying that, as human beings,
manusia memiliki hak yang melekat pada dirinya karena ia everybody has inherent rights. Human rights apply anytime,
adalah seorang manusia. Hak asasi manusia berlaku kapan anywhere, and to anyone, making it a universal principle. In
pun, di mana pun, dan kepada siapa pun, sehingga sifatnya principle, human rights are not revocable, nor can they be
universal. HAM pada prinsipnya tidak dapat dicabut dan juga classified in any thinkable manner.
tidak dapat dibagi-bagi.
Mengacu pada prinsip tersebut, Bank memberikan In accordance with this concept, the Bank provides equitable
kesempatan yang sama bagi seluruh karyawan untuk development opportunities for all employees. The Bank also
berkembang. Bank juga tidak mendukung pembiayaan refuses to lend to companies that are suspected of violating
nasabah korporasi yang diindikasikan melanggar HAM, human rights, such as employing underage workers.
seperti memperkerjakan anak di bawah umur.
Rumusan Lingkup Tanggung Jawab Formulation of the Scope of Responsibility

Meskipun aktivitas BMI tidak bersinggungan secara langsung Despite the fact that Bank Muamalat’s entire business
dengan isu-isu HAM berat, Bank merumuskan tanggung operations are not directly exposed to serious human
jawab CSR di bidang HAM mengacu pada isu-isu HAM yang rights issues, the Bank formulates its CSR responsibilities
relevan dan berkaitan langsung dengan aktivitas perusahaan. by always referring to the most relevant issues that affect
Isu-isu HAM yang relevan dan berkaitan langsung dengan its operations. The direct and most relevant human rights
Bank, antara lain terkait dengan bidang ketenagakerjaan issues related to the bank, among others, are in the fields of
dan pelayanan nasabah. manpower and customer service.

2021 Annual Report
Dalam kaitannya dengan hal tersebut, Bank menjunjung In relation to the above, the Bank upholds equal rights for
kesamaan hak untuk semua karyawan, termasuk tidak all employees. For instance, the Bank never hires underage
memperkerjakan pekerja di bawah umur (usia kerja). Selain workers. The Bank also applies a policy to check corporate
itu, Bank juga menerapkan kebijakan berupa pengecekan customer financing through a comprehensive assessment
pembiayaan nasabah korporasi melalui penilaian before it is approved and disbursed.
menyeluruh sebelum disetujui dan disalurkan.
Bank memandang bahwa pelanggaran terhadap ketentuan Even if the Bank’s activities are not directly tied to serious
HAM tetap memberikan peluang risiko, baik bagi Bank human rights issues, the Bank believes that violations of
maupun para pemangku kepentingan, kendati aktivitas Bank human rights obligations continue to pose a danger to the
tidak berkaitan erat dengan isu-isu HAM berat. Risiko yang Bank and its stakeholders. The risks likely faced by the Bank
dihadapi, antara lain terkait dengan penegakan hukum, baik and its stakeholders related to human rights violations are
perdata, pidana maupun hubungan industrial. Potensi risiko those related to law enforcement, whether civil, criminal,
lainnya adalah kerugian material dan non-material yang or industrial relations. Further, other risks the Bank may be
terkait dengan citra Bank. exposed to are material and non-material reputation risks.
Perencanaan dan Realisasi Kegiatan Planning and Realization Activities

Menjunjung tinggi HAM menjadi sebuah keharusan bagi Bank Muamalat Indonesia always upholds human rights and
BMI, yang harus selalu diupayakan. Bank juga berkomitmen is committed to complying with diverse human rights-related
untuk dapat memenuhi berbagai ketentuan terkait HAM, regulatory stipulations, which apply to both employees and
baik yang berlaku bagi karyawan maupun nasabah. Untuk customers. To fulfil this commitment, the Bank has compiled
mewujudkan hal-hal tersebut, Bank telah menyusun a plan for CSR activities in the human rights sector, including
perencanaan kegiatan CSR bidang HAM, antara lain employee-related activities, as shown in the table below:
berkenaan dengan karyawan yang diuraikan dalam tabel di
bawah ini:
Rencana Kegiatan Pelaksanaan Inisiatif/Kegiatan

No. Program
Activity Plan Implementation of Initiatives/Activities
1 Kebebasan Berserikat dan BMI berupaya untuk melakukan optimalisasi dalam Syarikat Pejuang Muamalat memiliki ruang
Berkumpul pengelolaan SDM dengan tetap memperhatikan sekretariat yang diberikan oleh Bank, yang
Freedom of Union and kepentingan karyawan sebagai usaha menciptakan terletak di lantai 5 Muamalat Tower. Sekretariat
Association hubungan kerja yang harmonis, selaras dan dipergunakan untuk kegiatan koordinasi
berkeadilan guna meningkatkan produktivitas dan internal pengurus maupun pertemuan
engagement karyawan. Dalam mewujudkan hubungan pengurus dengan anggota. Penyediaan ruang
kerja tersebut, Bank menjamin hak karyawan untuk sekretariat ini sebagai bentuk pelaksanaan
berserikat dan berkumpul. dari pasal 3 ayat 3 Perjanjian Kerja Bersama/
Ittifaq Bank Muamalat Indonesia tentang
Bank memiliki Serikat Pekerja di lingkungan Bank ruangan bagi serikat pekerja.
Muamalat yang bernama Syarikat Pejuang Muamalat
(SP Muamalat) yang telah tercatat pada Suku Dinas
Tenaga Kerja Kotamadya Jakarta Selatan dengan bukti
pencatatan No. 804/SP/JS/II/2018 tanggal 28 Februari
2018.
Selama ini, hubungan Industrial di Bank Muamalat

Indonesia telah dilaksanakan berdasarkan pada prinsip
kesetaraan, kewajaran, rasa keadilan serta nilai-nilai
kemanusiaan. Prinsip-prinsip tersebut diwujudkan
dalam suatu Perjanjian Kerja Bersama (PKB) atau yang
disebut sebagai Ittifaq Muamalat. Dokumen Ittifaq
Muamalat disepakati bersama antara manajemen
dan pihak karyawan yang diwakili oleh Serikat Pejuang
Muamalat (Serikat Pekerja).
Terkait dengan kasus-kasus kekaryawanan, Bank

menyelesaikannya melalui proses yang sesuai
dengan ketentuan perundang-undangan dengan
mengutamakan penyelesaian secara bipartit/internal
perusahaan tanpa melibatkan pihak ketiga.


No. Program
Penandatanganan bersama Ittifaq Muamalat untuk

periode 2020-2022 telah dilakukan pada tanggal
7 Juli 2020 dan telah tercatat di Kementerian
Ketenagakerjaan RI melalui Surat Keputusan Direktur
Jenderal Pembinaan Hubungan Industrial dan Jaminan
Sosial Tenaga Kerja No. KEP.153/ PHIJSK-PK/PKB/
IX/2020 tanggal 22 September 2020. Ittifaq Muamalat
periode 2020-2022 berisi kesepakatan yang harus
dipertanggungjawabkan oleh setiap pemangku
kepentingan dan karyawan Bank Muamalat Indonesia.
In order to create a harmonious, aligned, and fair The Bank provides a secretariat room for
working relationship for a higher level of employee Syarikat Pejuang Muamalat located on the
productivity and deeper engagement, the Bank seeks 5th floor at Muamalat Tower. The room is
to optimize HR management without neglecting used for internal management coordination
the interests of employees. In realizing this working and meetings of the administrating board
relationship, the Bank guarantees the rights of and members. This reflects compliance with
employees to associate and assemble. article 3 paragraph 3 of the Collective Labor
Agreement/Ittifaq Bank Muamalat Indonesia
The Bank has a workers’ union named Syarikat Pejuang regarding rooms for trade unions.
Muamalat (SP Muamalat), which has been registered
at the South Jakarta Municipal Manpower Office with
registration No. 804/SP/JS/II/2018 dated February 28,
2018.
Historically, Bank Muamalat Indonesia has based

its industrial relations on the principles of equality,
fairness, justice, and human values. These principles
are manifested in a Collective Labor Agreement (PKB),
also known as Ittifaq Muamalat. The Ittifaq Muamalat
document is mutually agreed upon by both the
management and the Serikat Pejuang Muamalat as the
employee representative (Labor Union).
With regards to employment issues, the Bank settles

them through a process in accordance with statutory
provisions by prioritizing bipartite/internal settlements
without third party involvement.
The Ittifaq Muamalat for the 2020–2022 period was

signed on July 7, 2020 and has been registered at
the Indonesian Ministry of Manpower through the
Decree of the Director General of Industrial Relations
and Labor Social Security No. KEP.153/PHIJSK-PK/
PKB/IX/2020 on September 22, 2020. This latest
Ittifaq Muamalat contains an agreement that must be
accounted for by every stakeholder and employee of
Bank Muamalat Indonesia.
2 Praktik Kerja Paksa BMI tidak membenarkan dan tidak terlibat Karyawan Non-Shift
Forced Labor Practiced dalam praktik kerja paksa. Oleh karena itu, Bank Hari Kerja : Senin-Jumat
memberlakukan jam kerja bagi karyawan yaitu 40 Jam Kerja : 08.00–17.00
jam dalam 1 minggu mengacu pada pasal 77 Undang- Kerja Lembur : Maksimal 4 jam/hari dan
undang No. 13 tahun 2003 tentang Ketenagakerjaan. 18 jam/minggu
Dengan demikian, karyawan BMI telah bekerja dengan
waktu normal dan memiliki waktu istirahat yang cukup. Karyawan Shift
Hari Kerja : 5 hari dalam 1 minggu
Jam Kerja : 8 jam/hari
Kerja Lembur : —
BMI does not support or participate in forced labor Non-Shift Employees
activities. Therefore, the Bank sets office hours for Weekdays : Monday-Friday
employees pursuant to Article 77 of Law No. 13 of 2003 Work Hours : 08.00–17.00
on Employment, which is 40 hours per week. With this Overtime : Maximum 4 hours/day and
policy, BMI employees have regular working hours and 18 hours/week
sufficient break time.
Shift Employees
Weekdays : 5 days in 1 week
Work Hours : 8 hours a day
Overtime : —

2021 Annual Report

No. Program
3 Pekerja Anak BMI telah menetapkan aturan batas usia minimal Usia terendah karyawan pada tahun 2021
Child Labor dalam merekrut karyawan, yaitu 20 tahun atau adalah usia 22 tahun sebanyak 4 (empat)
telah menamatkan pendidikan jenjang Diploma 3 orang di fungsi kerja IT, Back Office, Marketing,
(D3) sebagai upaya memastikan bahwa Bank tidak dan Collection.
mempekerjakan pekerja anak.
As part of its policy to avoid hiring child labor, the There were 4 (four) employee with the
Bank has established a minimum age for the hiring youngest age of 22 years in 2021, assigned in
of employees, which is either 20 years old or having the IT, Back Office, Marketing, and Collection
completed a Diploma 3 (D3) education. work function.
4 Izin Cuti BMI memberikan hak cuti tahunan bagi setiap Total jumlah hari cuti dalam tanggungan yang
Leave karyawannya, yang meliputi cuti tahunan dan diambil pada tahun 2021 adalah sebagai
cuti melahirkan serta cuti istri melahirkan (bagi berikut:
karyawan pria). – Cuti Tahunan: 46.298 hari
– Cuti Melahirkan: 11.362 hari
Jumlah hak cuti tahunan ditentukan berdasarkan grade – Cuti Karyawan yang istrinya melahirkan:
karyawan dengan minimal jumlah cuti 15 hari kerja. 289 hari
Cuti tahunan yang diberikan dapat dimanfaatkan
dalam beberapa periode, namun dari keseluruhan cuti Dengan total jumlah karyawan yang
harus dimanfaatkan dalam satu periode yakni 5 (lima) memanfaatkan cuti dalam tanggungan
hari kerja berturut-turut atau blockleave. sebagai berikut:
– Cuti Tahunan: 3.528 karyawan
Karyawati yang mengambil cuti melahirkan berhak – Cuti Melahirkan: 133 karyawan
memperoleh cuti selama 1,5 bulan sebelum saatnya – Cuti Karyawan yang istrinya melahirkan:
melahirkan dan 1,5 bulan setelah melahirkan menurut 110 karyawan
perhitungan dokter kandungan atau bidan. Sementara
itu, bagi karyawan yang istrinya melahirkan, Bank
memberikan cuti sebanyak 2 (dua) hari kerja.
Every Bank employee is entitled to annual leave, e.g., The total number of days of paid leave taken
annual leave, maternity leave, and paternity leave (for in 2021 are as follows:
male employees).
– Annual leave: 46,298 days
The number of days for annual leave is determined – Maternity leave: 11,362 days
based on an employee’s grade with a minimum 15 – Leave taken by male employees wives
working days annual leave. Employees can take leave deliver babies: 289 days
in multiple periods, however, of the total leave periods,
one must be taken in 5 (five) working days in a row or The total number of employees who took
block leave. leaves is as follows:
A female employee is entitled to 1.5 months of pre- – Annual leave: 3,528 employees
delivery leave and another 1.5 months of post-delivery – Maternity leave: 133 employees
leave, depending on the medical opinion of her – Leave taken by male employee when the
obstetrician or midwife. Meanwhile, a male employee wives delivered the babies: 110 employees
is given 2 (two) working days of paternity leave when
his wife is delivering.
5 Kesetaraan dalam Proses Kesetaraan dalam proses rekrutmen dijunjung oleh Hingga 31 Desember 2021, Bank Muamalat
Rekrutmen Bank melalui kebijakan yang memastikan proses merekrut 146 karyawan dengan komposisi
Equality in Recruitment rekrutmen dan seleksi yang adil tanpa membedakan 50% laki-laki dan 50% perempuan. Hal ini
Process latar belakang suku, agama, ras maupun golongan, menunjukkan bahwa Bank memberikan
dengan tetap memerhatikan kebutuhan posisi yang kesempatan karier yang sama dan tidak
tersedia pada Bank dan kualifikasi yang dibutuhkan mengutamakan salah satu gender dalam
untuk masing-masing posisi yang tersedia. pemenuhan kebutuhan karyawannya.
Bank Muamalat upholds equality in the recruitment Until December 31, 2021, Bank Muamalat
process through policies that ensure a fair recruitment recruited 146 employees, with a composition
and selection process regardless of ethnicity, religion, of 50% male and 50% female. This reflects the
race, or social background, with due attention to bank’s equal career opportunities where no
the needs of positions available at the bank and the priority is given to either one of the genders to
qualifications required for each available position. meet the needs of its employees.
Prosedur dan Mekanisme Pengaduan Procedures and Mechanisms for Complaints

Pelanggaran HAM of Human Rights Violations
Terkait dengan pengaduan pelanggaran HAM, BMI Bank Muamalat Indonesia provides a channel for complaints
menyediakan saluran yakni call center dan e-mail Bank: on human rights violations through the Bank’s call center
corporate.affairs@bankmuamalat.co.id, yang akan and e-mail: corporate.affairs@bankmuamalat.co.id, which is
dimonitor oleh Bank di bawah kebijakan yang dikelola dan monitored by the Bank under a policy managed and issued
dikeluarkan oleh Direktur Utama. by the President Director.

Capaian dan Penghargaan HAM Human Rights Achievements and Awards

Pada tahun 2021, Bank Muamalat tidak memiliki capaian In 2021, Bank Muamalat received no achievements or
dan penghargaan pada bidang HAM. awards for human rights.
Tanggung Jawab Sosial di Bidang Operasi

yang Adil
Social Responsibility in the Field of Fair Operations

BMI menerapkan pengembangan usaha dengan BMI prioritizes the principle of equal operations as a form of
mengedepankan prinsip operasi yang setara sebagai bentuk commitment and to the Bank’s CSR policy in the field of fair
komitmen dan kebijakan CSR Bank di bidang operasi yang operations when implementing business development. The
adil. Bank juga tunduk dan taat terhadap setiap peraturan Bank is also subject to, and complies with, all applicable laws
perundang-undangan yang berlaku dan merupakan tujuan and regulations, the key objectives of the Bank’s operations.
utama yang hendak dicapai Bank dalam operasionalnya.
Bank harus memastikan bahwa seluruh kegiatan usahanya As an institution that is overseen by many stakeholders, the
telah sesuai dengan peraturan perundang-undangan yang Bank must ensure that all business activities comply with
berlaku sehubungan dengan posisi Bank sebagai institusi prevailing laws and regulations. The Bank has translated its
yang diawasi oleh banyak pemangku kepentingan. Upaya efforts to achieve these goals into work programs, including
pencapaian dari tujuan tersebut diterjemahkan dalam employee attitude for business and personal terms, in each
program kerja di setiap departemen yang ada di Bank, of the Bank’s departments.
termasuk perilaku setiap karyawan, baik dalam kaitan bisnis
maupun pribadi.
Rumusan Lingkup Tanggung Jawab Formulation of the Scope of Responsibility

BMI merujuk pada peraturan perundang-undangan yang The Bank refers to all applicable laws and regulations in
berlaku dalam merumuskan lingkup tanggung jawab CSR formulating the scope of its CSR responsibilities for fair
di bidang operasi yang adil. Selanjutnya, Bank menyusun operations. The Bank has further developed its work
program kerja setiap Departemen sebagai upaya dari program for each department to achieve its targets. This
pencapaian target Bank. Perumusan tersebut termasuk applies to formulating the implementation of employee
penerapan perilaku karyawan dalam lingkup bisnis dan attitude in both business and personal scopes.
pribadi.
Perencanaan dan Realisasi Kegiatan Activity Planning and Realization

Rincian perencanaan serta realisasi kegiatan yang telah The table below contains information on the Bank’s planning
dijalankan oleh Bank disampaikan melalui tabel di bawah ini. and realization.
Kegiatan Pelaksanaan Inisiatif/Kegiatan

No. Program
Activity Implementation of Initiatives/Activities
1 Anti Korupsi Sejalan dengan program pemerintah, Bank Bank telah memiliki sistem pelaporan pelanggaran
Anti-corruption Muamalat Indonesia juga memiliki komitmen yang dikelola oleh Unit Kerja Anti Fraud sebagai
anti korupsi yang diwujudkan melalui kebijakan upaya pencegahan terjadinya tindak pidana
anti korupsi dan dilaksanakan sejalan dengan korupsi. Setiap orang dapat melaporkan indikasi
kebijakan mengenai strategi anti fraud serta terjadinya fraud, tanpa harus takut terhadap risiko
berbagai kebijakan lainnya. Komitmen tersebut intimidasi baik secara fisik maupun psikologis.
menjadi bagian dari implementasi prinsip tata Hingga 31 Desember 2021, terdapat 9 kasus
kelola perusahaan yang baik di setiap aspek fraud yang telah dilakukan pemberian sanksi
operasional Bank. Hal itu bertujuan antara lain terhadap pelaku dan pihak terkait. Pemberian
untuk meningkatkan kepercayaan nasabah dan sanksi tegas dan mengacu zero tolerance, serta
pemegang saham saham perbaikan prosedur internal Bank diharapkan
dapat mencegah terjadinya kecurangan fraud dan
memberikan efek jera kepada pelaku.

2021 Annual Report
Kegiatan Pelaksanaan Inisiatif/Kegiatan

No. Program
Activity Implementation of Initiatives/Activities
Bank Muamalat Indonesia has an unwavering In an effort to prevent corruption, the Bank
commitment to anti-corruption programs, in line operates a fraud reporting system that is managed
with government programs and implemented in by the Anti-Fraud Work Unit. Anyone can report
accordance with the Anti-Fraud strategy policy and indications of fraud without having to fear the risk
other various policies. This commitment is part of of intimidation, both physically and psychologically.
the good corporate governance applications that There were four fraud cases reported up until
aim, among other purposes, to increase the trust December 31, 2021, there are 9 cases that have
of customers and shareholders in every aspect of been sanctioned and sanctions were imposed
the Bank’s operations. on the perpetrators and the related parties. The
imposition of strict sanctions and reference to zero
tolerance, as well as improvements to the Bank’s
internal procedures, are expected to prevent fraud
and provide a deterrent to perpetrators.
2 Bersaing secara Sehat Dalam menjalankan setiap kegiatan bisnisnya, Bank senantiasa memaksimalkan upaya
Fair Competition BMI menjunjung tinggi nilai bersaing secara untuk memenangkan persaingan dengan cara
sehat, menentang monopoli dan anti-trust dengan merumuskan strategi-strategi khusus, yang
mengacu pada peraturan perundang-undangan disesuaikan dengan program dan target yang
yang berlaku. Salah satu perundangan yang telah ditentukan. Hingga 31 Desember 2021, tidak
dijadikan rujukan ialah Undang-Undang No. 5 terdapat laporan dan tindakan anti persaingan
tahun 1999 tentang Larangan Praktik Monopoli yang terkait dengan praktik bisnis Bank Muamalat
dan Persaingan Usaha Tidak Sehat. Selain itu, Indonesia.
pelaksanaan bersaing secara sehat di lingkungan
Bank, juga berlandaskan pada norma penerapan
prinsip-prinsip tata kelola perusahaan yang baik.
Bank Muamalat Indonesia upholds the value of To stay ahead of the competition, the Bank
healthy competition, against monopoly and anti- makes the best efforts possible to devise specific
trust in running operations with reference to the strategies and adjust them to the predetermined
prevailing laws and regulations. One of reference programs and targets. Up until December 31,
is Law No. 5 of 1999 concerning the Prohibition 2021, no cases of unfair competition that relate
of Monopolistic Practices and Unfair Business to the business operations of Bank Muamalat
Competition. In addition, the implementation of Indonesia were reported.
healthy competition within the bank environment
is also based on the norms of implementing the
principles of good corporate governance.
3 Pengadaan Barang dan Jasa BMI telah menetapkan proses pengadaan atau Bank menerapkan prinsip keterbukaan di setiap
yang Transparan memperoleh barang dan atau jasa yang dimulai pelaksanaan kegiatan pengadaan barang dan jasa
Transparent Procurement of dari perencanaan kebutuhan sampai penerimaan sehingga informasi kebutuhan pengadaan barang
Goods and Services barang dan atau jasa oleh unit kerja pengguna atau jasa yang diterima oleh calon vendor dapat
di Bank Muamalat Indonesia. Pemesanan diterima dengan baik dan transparan. Pada tahun
tersebut bisa dilakukan secara berulang atau juga 2021, pengadaan dilakukan secara online karena
pemesanan pertama kali. masih berlangsungnya pandemi COVID-19. Hingga
saat ini tidak ada kendala ataupun permasalahan
Hal yang paling penting dari pengadaan barang dalam pelaksanaan pengadaan tersebut.
dan jasa di lingkungan Bank ialah penerapan
prinsip transparan dan adil. Hal itu diwujudkan Total biaya pengadaan Bank Muamalat
melalui diberikan informasi yang sama terkait Indonesia pada tahun 2021 adalah sebesar
pengadaan barang dan jasa, spesifikasi barang/ Rp229.670.250.570
jasa yang dibutuhkan bank, syarat-syarat teknis
administrasi pengadaan, tata cara evaluasi, hasil
evaluasi dan penetapan vendor barang dan atau
jasa kepada calon vendor yang mengikuti seleksi
pengadaan barang dan jasa.
BMI has determined a process for acquiring or The implementation of goods and services
obtaining goods and or services, from planning for procurement at Bank Muamalat Indonesia
the needs, to the moment goods and or services is entirely transparent, allowing all vendors
are delivered to users or work units at Bank or prospective vendors to get clear and
Muamalat Indonesia. A purchase order may be understandable information on the needs for
placed for a single purchase or repeated. procurement of goods or services. In 2021,
procurement was processed virtually due to the
One of the basic principles of procurement of COVID-19 pandemic. So far, there have been no
goods and services at the bank is transparency significant obstacles in the process.
and fairness, reflected in the same information
on the procurement of goods and services, The total spending for procurement by
specifications of goods/services needed, technical Bank Muamalat Indonesia in 2021 reached
requirements for procurement administration, Rp229,670,250,570.
evaluation procedures, evaluation results, vendor
selection, and/or services to prospective vendors
who participate in the procurement selection of
goods and services.

Prosedur dan Mekanisme Pengaduan Procedure and Mechanism of Reporting

Pelanggaran Operasi yang Adil Violations of Fair Operation
Terkait dengan pengaduan pelanggaran operasi yang adil, With regard to the reporting of violations of fair operations,
BMI menyediakan saluran yakni call center dan e-mail Bank: BMI has provided a call center channel and bank e-mail:
corporate.affairs@bankmuamalat.co.id. Setiap keluhan corporate.affairs@bank.co.id. Any complaint and/or
dan/atau pengaduan pelanggaran operasi yang adil akan reporting against a fair operation violation will be settled by
diselesaikan secara musyawarah mufakat, adil, sesuai deliberation, with fairness, and in accordance with current
dengan kebijakan yang berlaku serta secepat mungkin. policies, as quickly as possible.
Capaian dan Penghargaan Operasi yang Adil Fair Operation Achievements and Awards
Bank Muamalat belum memiliki capaian dan penghargaan In 2021, Bank Muamalat did not receive any achievements or
pada bidang operasi yang adil. awards in the field of fair operations.
Tanggung Jawab Sosial di Bidang

Lingkungan Hidup
Social Responsibility in the Environmental Field

BMI memberi perhatian yang tinggi terhadap tanggung BMI places high importance on social responsibility in the
jawab sosial di bidang lingkungan hidup yang diwujudkan field of the environment, reflected in the Bank’s commitment
melalui komitmen dan kebijakan Bank. Kebijakan internal and policies. Internal policies, for example, refrain from
misalnya, tidak mendukung pembiayaan nasabah korporasi providing financial support to corporate customers with an
yang berpotensi merusak lingkungan, sehingga Bank identified potential to damage the environment; As a result,
tidak menyalurkan pembiayaan kepada nasabah dengan the Bank does not lend to these types of businesses. This
profil tersebut. Hal ini selaras dengan Deklarasi Rio 1992, is in accordance with the United Nations (UN) Summit on
Konferensi Tingkat Tinggi Perserikatan Bangsa Bangsa (PBB) Environment and Development in 1992, which resulted in
untuk Lingkungan dan Pembangunan. the Rio Declaration.
Sebagai upaya untuk mendeteksi nasabah korporasi The Bank detects corporate customers who fall under this
yang memiliki kemungkinan merusak lingkungan, Bank category by making it mandatory for any prospective debtor
mengharuskan calon nasabah mengisi formulir pembiayaan to complete a sustainable financing form, which has the
berkelanjutan yang bertujuan untuk melakukan penilaian purpose of carrying out a risk assessment of environmental,
atas risiko lingkungan, sosial dan tata kelola (LST) nasabah social, and governance (ESG) customers for the financing
untuk pembiayaan segmen korporat dan komersial. segment, both corporate and commercial (wholesale
Pengisian formulir tersebut memiliki petunjuk teknis sebagai banking). The form comes with technical instructions as a
pedoman dalam assessment risiko. Sebelumnya, ketentuan guideline in assessing those risks. The provisions for ESG
assessment risiko LST tercantum dalam Surat Edaran Direksi risk assessment were previously established in a Board of
yang dikhususkan untuk pembiayaan sektor industri Directors’ Circular Letter that was intended for financing the
kelapa sawit. palm oil business sector.
Karena itu, dalam memberikan dukungan pendanaan In providing funding support for the investment activities
kegiatan investasi para nasabah, terutama nasabah of customers, especially corporate customers, the bank
korporasi, Perseroan mensyaratkan pemenuhan seluruh requires compliance with all laws and regulations in the
aturan perundangan dibidang lingkungan, mencakup: environmental sector, including:
1. Kepemilikan izin Analisis Mengenai Dampak Lingkungan 1. Possession of an Environmental Impact Analysis (AMDAL)
(AMDAL) sebagai salah satu aspek legalitas usaha permit as one of the legal aspects of the debtor’s
debitur.   business.
2. Perolehan kinerja pada Program Penilaian Peringkat 2. Achievement of performance in the Environmental-
Kinerja Perusahaan terkait lingkungan hidup related Company Performance Rating Program (PROPER)
(PROPER) dari  Kementerian Lingkungan Hidup dan from the Ministry of Environment and Forestry (KLHK).
Kehutanan (KLHK).  

2021 Annual Report
3. Debitur bidang usaha perkebunan, seperti perkebunan 3. Plantation business debtors, such as oil palm plantations,
kelapa sawit wajib memiliki izin usaha, misalnya Izin must have a business license, such as a Plantation
Usaha   Perkebunan (IUP), Izin Usaha Perkebunan Business Permit (IUP), Cultivation Plantation Business
Budidaya (IUP-B), Izin Usaha Perkebunan Pengolahan Permit (IUP-B), Plantation Processing Business Permit
(IUP-P), Surat Pendaftaran Usaha Perkebunan (SPUP), (IUP-P), Plantation Business Registration Letter (SPUP),
Sertifikat Indonesian Sustainable Palm Oil (ISPO) dan Indonesian Sustainable Palm Oil (ISPO) Certificate, and a
Sertifikat Roundtable on Sustainable Palm Oil (RSPO), Roundtable on Sustainable Palm Oil (RSPO) Certificate if
apabila berorientasi ekspor.   export-oriented.
4. Dan persyaratan sejenis lainnya. 4. And other similar requirements.
Dampak Kegiatan Perusahaan terhadap The Impact of Company Operations on the

Lingkungan Environment
Bank telah memetakan dampak terhadap lingkungan The Bank has mapped the environmental impact of its
dari kegiatan bisnis Bank ialah risiko pembiayaan terkait business activities, specifically financing risks related to
lingkungan, sosial, tata kelola Bank (LST) bagi pembiayaan environmental, social and governance (ESG) in the corporate
segmen korporat dan komersial, terlebih untuk pembiayaan and commercial segments, especially in the palm oil sector
sektor kelapa sawit dan sektor lain yang mendapatkan and other sectors that are rather negatively viewed from
sentimen negatif berkenaan dengan lingkungan. Sebagai an environmental perspective. To overcome this, the
upaya mengatasi hal tersebut, BMI memiliki kebijakan untuk Bank has a policy to include an analysis of environmental
memasukkan Amdal dalam kebijakan umum pembiayaan, impacts (Amdal) in its general financing policy to minimize
sehingga mampu meminimalkan isu lingkungan. environmental issues.
Selain dari aktivitas bisnis, kegiatan operasional Bank juga Apart from economic operations, the Bank’s operational
memberikan dampak terhadap lingkungan. Beberapa activities have an impact on the environment. Some
kegiatan operasional yang berpotensi memberikan operations that have the potential to cause negative impacts
dampak negatif bagi lingkungan antara lain pemanfaatan on the environment include electricity, water, and fuel
energi listrik, penggunaan air dan bahan bakar, yang jika consumption. Excessive use of energy will have indirect
dilakukan secara berlebihan, maka secara tidak langsung impacts on the environment. The Bank’s operations produce
akan memberikan dampak negatif bagi lingkungan. Selain waste and emissions, although at a relatively low level.
itu, operasional Bank juga menghasilkan limbah dan emisi
meskipun dalam jumlah yang relatif terbatas.
Perencanaan Kegiatan Activity Planning

Tidak ada kegiatan CSR terkait lingkungan pada tahun 2021. In 2021, there were no CSR initiatives relating to the
Hal tersebut dikarenakan pada tahun 2021, Bank memiliki environment. This is because in 2021, the Bank focused its
fokus pada kegiatan CSR yang ditujukan kepada masyarakat CSR activities on the Indonesian community impacted by the
Indonesia yang terdampak pandemi COVID-19 dan korban COVID-19 pandemic, and natural disaster victims.
bencana alam.
Pelaksanaan Kegiatan dan Dampak Implementation of Activities and

Kuantitatif Quantitative Impacts
1. Sistem Pengelolaan Limbah 1. Waste Management System

BMI mengimplementasikan sejumlah upaya terkait BMI has made following efforts to manage waste
dengan pengelolaan limbah akibat dari kegiatan generated from the company’s operational activities:
operasional perusahaan, yang mencakup:
a. Penggunaan sistem Sewage Treatment Plant di gedung a. Treating wastewater using the Sewage Treatment
Muamalat Tower dalam pengolahan limbah cair. Plant System in the Muamalat Tower building.
b. Agar tidak bercampur dengan sampah operasional b. Working with a third party to transport Toxic and
harian, Bank bekerja sama dengan pihak ketiga untuk Hazardous (B3) waste (oil, freon tubes, and lamps)
pengangkutan sampah limbah Bahan Berbahaya from areas of operations to a special landfill for B3
dan Beracun (B3) (oli, tabung freon, dan lampu) sisa waste to keep this dangerous material from being
operasional untuk dibawa ke tempat pembuangan added to daily operational waste.
akhir (TPA) khusus limbah B3.

c. Melakukan kerja sama dengan PD PAL Jaya untuk c. Working with PD PAL Jaya for the disposal of
pembuangan kelebihan sisa limbah cair yang unprocessed excess sewage to prevent it from being
tidak diolah kembali sehingga tidak dibuang ke disposed of in the city’s drainage system.
saluran kota.
Sepanjang tahun 2021, upaya pengelolaan limbah Throughout 2021, waste management in point a above
pada poin a di atas memberikan efek efisiensi biaya had an impact on the cost efficiency of using the PDAM
penggunaan PDAM pada gedung operasional yang in the operational building used for flushing toilets,
dimanfaatkan untuk flushing toilet, menyiram tanaman, watering plants, and showering pool water, but not
dan air kolam pancuran namun tidak bisa diukur as measured in the quantity of use of the wastewater.
kuantitas penggunaan air limbah tersebut. Sementara Meanwhile, points b and c are transported to the landfill
untuk poin b dan c sifatnya adalah pembuangan through official institutions according to government
limbah ke TPA melalui institusi resmi sesuai ketentuan regulations so as not to pollute the environment.
pemerintah agar tidak mencemari lingkungan.
2. Penurunan Penggunaan Energi Listrik 2. Reducing Power Consumption

Pada tahun 2021, pembatasan sosial masih berlangsung Throughout 2021, social restrictions were still in place
akibat pandemi COVID-19. Hal tersebut juga berdampak due to the COVID-19 pandemic. This influenced the
pada pembatasan karyawan yang bekerja dari kantor restrictions on employees who work in the office or
atau Work from Office (WFO), sehingga pemakaian listrik work from office (WFO), resulting in lower electricity
di area kerja juga berkurang. consumption in the workplace.
Dari kegiatan tersebut, sepanjang tahun 2021, Bank From these activities, the Bank was able to cut the use of
mampu menurunkan penggunaan energi listrik di kantor electricity at the Bank Muamalat Indonesia main office to
pusat Bank Muamalat Indonesia menjadi 4.266.360 kwh 4,266,360 kwh from 4,614,520 kwh in 2021, or a decrease
dari 4.614.520 kWh pada 2020, atau sebesar 8%. of 8%.
Konsumsi Listrik Kantor Pusat Bank Muamalat Power Consumption at Bank Muamalat Head Office
2021 2020 2019
Konsumsi Listrik Kantor Pusat Bank 4.266.360 4.614.520 5.569.939 Power consumption at Bank Muamalat
Muamalat (kWh) Head Office (kWh)
3. Penurunan Penggunaan Bahan Bakar Minyak 3. Reducing Fuel Oil Consumption

BMI senantiasa berusaha melakukan penghematan Various efforts have been made to save fuel at Bank
penggunaan bahan bakar minyak (BBM) melalui Muamalat Indonesia through several policies, including
beragam kebijakan, di antaranya penerapan rapat the implementation of face-to-face meetings combined
tatap muka secara fisik dikombinasikan dengan metode with virtual meetings through online applications which
virtual melalui aplikasi online. Dengan demikian dapat greatly reduced transportation costs.
mengurangi pengeluaran biaya perjalanan.
Pada tahun 2021, Bank mengalami kenaikan penggunaan In 2021, the Bank experienced an increase in fuel use
BBM sebesar 9,9% menjadi 51.811 liter dari penggunaan by 9.9% to 51,811 liters from the use in 2020 which was
tahun 2020 yang sebesar 47.153 liter. 47,153 liters.
Konsumsi Bahan Bakar Minyak Fuel Oil Consumption

2021 2020 2019
Konsumsi Bahan Bakar Minyak (liter) 51.811 47.153 37.667 Fuel Consumption (liter)
4. Efisiensi Penggunaan Air 4. Efficient Water Consumption

BMI senantiasa berupaya melakukan penghematan The Bank has made efforts to save water consumption,
penggunaan air, khususnya di kantor pusat. Sepanjang especially at the head office. Throughout 2021, the
tahun 2021 penggunaan air untuk kegiatan operasional head office consumed 23,647 m3 of clean water for its
Bank di kantor pusat sebesar 23.647 m3, turun sebanyak operations, a decrease of 23% from the realized water
23% dari realisasi tahun 2020 yang sebesar 30.908 m3. consumption of 30,908 m3 in 2020. This is due to the

2021 Annual Report
Hal ini disebabkan oleh adanya kebijakan Work From work from home policy for some sector divisions at Bank
Home untuk beberapa sektor divisi Bank Muamalat Muamalat which 75% of employees work from home and
dimana sebanyak 75% karyawan bekerja di rumah which then resulted in a reduction in water use.
sehingga penggunaan air berkurang.
Realisasi Penggunaan Air Realized Water Consumption

(m3)
Uraian 2021 2020 2019 Description
Volume Air dari PDAM 20.047 22.832 31.177 Water from PDAM in volume
Fasilitas Kantor Office Facility
Cooling Tower 3.600 8.054 10.040 Cooling Tower
Kantin 0 22 119 Cafeteria
Jumlah 23.647 30.908 41.336 Total
5. Penggunaan Ruangan 5. Optimized Use of Rooms

Dalam rangka menunjang operasional perusahaan, Bank The Bank has its own building, the Muamalat Tower,
memiliki gedung sendiri yakni Muamalat Tower. Dari luas which is used to support the Bank’s operations. The
gedung, yakni sebesar luas semi gross area kerja gedung building has an occupancy rate of 65%, or around
sebesar 24.069 m2, tingkat keterisian sebesar 65% atau 15,644 m2 of the total area of 24,069 m2. Bank Muamalat
15.644 m2. Bank Muamalat melakukan penataan ulang has remapped the work area as part of its efforts to save
atau remapping area kerja sebagai upaya penghematan energy use and optimize floors in the Muamalat Tower
penggunaan energi dan optimalisasi lantai di Gedung Building.
Muamalat Tower.
Mekanisme Pengaduan Masalah Lingkungan Environmental Complaints Mechanism

Terkait dengan saluran pengaduan masalah lingkungan, Bank Muamalat Indonesia provides a channel for complaints
Bank menyediakannya melalui call center dan e-mail Bank relating to environmental issues through the Bank’s call
yaitu: corporate.affairs@bankmuamalat.co.id. Pengaduan center and e-mail: corporate.affairs@ bankmuamalat.co.id,
tersebut akan selalu dipantau oleh Bank di bawah kebijakan and monitors them under a policy managed and issued by
yang dikelola dan dikeluarkan oleh Direktur Utama. the President Director.
Sertifikasi di Bidang Lingkungan Hidup Environmental Certification

Pada tahun 2021, Bank Muamalat belum memiliki sertifikasi Throughout 2021, the bank does not yet obtain any
di Bidang Lingkungan Hidup. certifications in the environmental area.

Tanggung Jawab Sosial di Bidang

Ketenagakerjaan, Kesehatan, dan
Keselamatan Kerja
Social Responsibility in the Field of Occupational Health and Safety

BMI berkomitmen penuh atas pengelolaan dan perhatian BMI is fully committed to the management of and attention
terhadap aspek ketenagakerjaan, kesehatan dan to all employment aspects. Along with health and work
keselamatan kerja, baik secara langsung maupun tidak safety, both directly and indirectly, they have a positive
langsung, karena akan berdampak pada produktivitas impact on employee productivity.
karyawan. Bank menyadari bahwa salah satu kontributor
penting terhadap pencapaian kinerja Bank yang maksimal
ialah aspek ketenagakerjaan.
Selain itu, Bank juga memandang karyawan sebagai modal Employees are the key asset of the company. Therefore,
utama perusahaan. Oleh karena itu, Bank senantiasa the Bank is committed to creating a safe, comfortable, and
berupaya menciptakan lingkungan kerja yang aman, nyaman healthy work environment to support employees in achieving
dan sehat guna mendukung karyawan mencapai potensi diri their best and to safeguard employee welfare.
terbaik serta menciptakan kesejahteraan.
Rumusan Lingkup Tanggung Jawab How the Scope of Responsibility is

Formulated
Bank memastikan telah memenuhi peraturan perundang- In formulating the scope and responsibilities of CSR for
undangan yang terkait dengan isu ketenagakerjaan, employment, and occupational health and safety, Bank
kesehatan dan keselamatan kerja dalam merumuskan Muamalat Indonesia ensures that it complies with all
lingkup dan tanggung jawab CSR di bidang terkait. Bank applicable regulations related to these issues. The bank
senantiasa berupaya memenuhi hak-hak karyawan sesuai always strives to fulfil the rights of employees pursuant to the
ketentuan peraturan perundang-undangan, dalam hal provisions of laws and regulations, which in this case is the
ini adalah Undang-undang No. 13 tahun 2003 tentang Law of the Republic of Indonesia No. 13 of 2003 concerning
Ketenagakerjaan. Manpower.
Bank juga berkomitmen untuk menjaga aspek Kesehatan dan The Bank is committed to safeguarding the health and safety
Keselamatan Kerja (K3), di samping aspek ketenagakerjaan (OHS) aspects of its employees as regulated under the Law
bagi karyawan. Hal itu selaras dengan yang diatur dalam of the Republic of Indonesia No. 1 of 1970 on Occupational
Undang-Undang No. 1 tahun 1970 tentang Keselamatan dan Health and Safety and the Regulation of the Minister of
Kesehatan Kerja dan Peraturan Menteri Tenaga Kerja No. 5 Manpower No. 5 of 1996 on Occupational Health and Safety
tahun 1996 tentang Sistem Manajemen Keselamatan dan Management Systems. These regulations form the basis of
Kesehatan Kerja. Aturan-aturan tersebut menjadi landasan policies for the Bank in establishing industrial relations with
kebijakan bagi Bank dalam menjalin hubungan industrial employees.
dengan karyawan.
Rencana Kegiatan Planning for Activity

Rencana kegiatan CSR di bidang ketenagakerjaan, kesehatan Bank Muamalat Indonesia has prepared a CSR activity plan
dan keselamatan kerja disusun oleh Bank berdasarkan on employment, and occupational health and safety based
hasil due diligence, yang antara lain bersumber dari on due diligence results, which, among others, are sourced
whistleblowing system, khususnya pengaduan terkait isu from the whistleblowing system, and particularly complaints
ketenagakerjaan. Melalui hasil evaluasi tersebut, Bank related to labor issues. From the evaluation results, the
mendapat kesempatan untuk mengidentifikasi program Bank has given the opportunity to identify CSR programs in
CSR bidang ketenagakerjaan serta pemangku kepentingan the employment sector as well as important stakeholders
penting terkait ketenagakerjaan. connected with employment.

2021 Annual Report
Hasil evaluasi berguna bagi Bank dan pemangku kepentingan The results of the evaluation are useful for the Bank and
yang terlibat, khususnya untuk mengurangi dampak negatif the stakeholders involved, particularly in reducing potential
yang berpotensi timbul dari aktivitas Bank. Beberapa topik negative impacts that may arise from the Bank’s operations.
yang menjadi perhatian Bank dalam daftar rencana kegiatan Some of the topics to which the Bank pays attention are the
atau program di bidang ketenagakerjaan, antara lain terkait list of planned activities or programs in the employment
dengan kesejahteraan, turnover, atau pengembangan sector, including those related to welfare, turnover,
kompetensi dan karier. competency, and career development.
Pelaksanaan Kegiatan Implementation of Activities
A. Bidang Ketenagakerjaan A. Employment Sector

Sepanjang tahun 2021, Bank melaksanakan kegiatan Throughout 2021, Bank Muamalat Indonesia undertook
CSR terkait ketenagakerjaan yang mencakup seluruh CSR activities related to employment, which cover the
perencanaan program. Di antaranya: following:
Kegiatan Dampak Kuantitatif

No
Activity Quantitative Impact
1 Kesejahteraan Karyawan Biaya kesejahteraan karyawan
Peningkatan kesejahteraan karyawan merupakan salah satu fokus utama, mengingat Bank yang dialokasikan pada tahun 2021
berpandangan bahwa karyawan memiliki kontribusi yang sangat besar terhadap pencapaian adalah sebesar Rp302,57 miliar
usaha Bank.
Terkait dengan fasilitas dan kesejahteraan karyawan, Bank telah memenuhi ketentuan
Upah Minimum Provinsi/Kabupaten/Kota (UMP/K) dan Upah Minimum Sektoral Provinsi
(UMSP) wilayah masing-masing unit kerja Bank yang ditetapkan oleh Pemerintah Pusat dan
Pemerintah Daerah. Kompensasi program kesejahteraan dan fasilitas karyawan mengacu
kepada ketentuan dan peraturan Kementerian Tenaga Kerja dan Transmigrasi, termasuk
pemenuhan upah yang berlaku.
Bank juga senantiasa melakukan review terhadap fasilitas dan kesejahteraan karyawan
dengan melakukan benchmark pasar dengan mengikuti survei melalui konsultan independen
dan mematuhi seluruh ketentuan dari regulator.
Employee welfare The employee welfare costs
The Bank realizes that employees have made a great contribution to its success. Therefore, allocated in 2020 are Rp302.57
improving employee welfare is one of the main focuses of Bank Muamalat Indonesia. billion
In terms of facilities and employee welfare, the Bank has complied with the Provincial/Regency/
City Minimum Wage (UMP/K) and Provincial Sectoral Minimum Wage (UMSP) for the respective
areas of its work units as determined by the Central Government and Regional Governments.
Compensation for the welfare program and employee facilities for Bank Muamalat Indonesia
refers to the provisions and regulations of the Ministry of Manpower and Transmigration,
including the fulfillment of applicable wages.
The Bank always reviews employee facilities and welfare through market benchmarks by
participating in surveys conducted by independent consultants while at the same time
remaining compliant with all regulations.
2 Kesetaraan Gender dan Kesempatan Kerja Pada 2021, Bank Muamalat
Bank menjamin adanya kesempatan kerja yang setara dan transparan bagi setiap karyawan Indonesia tercatat memiliki 2.700
sehubungan dengan status Bank yang merupakan organisasi dengan nilai-nilai Islami– karyawan, yang terdiri dari 1.060
Modern–Profesional. Rekrutmen yang dilaksanakan melalui sistem seleksi yang sudah standar karyawan perempuan atau sebesar
dan online memastikan bahwa kandidat yang diterima menjadi karyawan adalah kandidat 39% dan 1.640 karyawan laki-laki
yang telah memiliki kompetensi yang sesuai dengan kebutuhan Bank. Sistem manajemen atau sebesar 61%. Perimbangan
karier yang transparan juga memberikan kesempatan yang setara bagi seluruh karyawan komposisi karyawan tersebut
untuk mencapai karier terbaik berdasarkan kompetensi yang telah ditentukan dan teruji. menunjukkan bahwa Bank
Perbedaan-perbedaan usia, jenis kelamin, suku, ras dan latar belakang, bukan merupakan isu Muamalat Indonesia menjunjung
yang harus dipertimbangkan dalam pemenuhan posisi di dalam organisasi. tinggi prinsip kesetaraan gender.
Gender Equality and Job Opportunities In 2021, Bank Muamalat Indonesia
As an organization that carries Islamic-Modern-Professional values, the Bank guarantees had 2,700 employees, consisting
equal and transparent employment opportunities for every employee. Recruitment is carried of 1,060 female employees, or
out with a standard and online selection system ensuring that hired candidates have the 39%, and 1,640 male employees,
competencies that are suitable for the Bank’s needs. A transparent career management or 61%. The balance of employee
system also provides equal opportunities for all employees to achieve the best career based composition shows that Bank
on predetermined and tested competencies. Differences in age, gender, ethnicity, race, and Muamalat Indonesia upholds the
background are not issues to be considered in fulfilling a position within the organization. principle of gender equality.
3 Tingkat Turnover Karyawan Pada tahun 2021, tingkat turnover
Berbagai upaya yang dilakukan Bank Muamalat Indonesia untuk menciptakan hubungan karyawan Bank Muamalat
industrial yang harmonis dengan karyawan serta memberikan kepastian karir membuat Indonesia adalah sebesar 10,4%,
tingkat turnover karyawan di Bank Muamalat Indonesia dapat dipertahankan pada level yang lebih rendah dibandingkan tahun
cukup rendah. sebelumnya sebesar 9,4%.


No
Employee Turn-over Rate In 2021, Bank Muamalat
The various efforts made by Bank Muamalat Indonesia to create harmonious industrial Indonesia’s employee turnover
relations with employees and provide career have made the employee turnover rate at Bank rate was 10.4%, lower than the
Muamalat Indonesia maintained at a fairly low level. previous year’s 9.4%.
4 Pendidikan dan Pelatihan Biaya pendidikan dan pelatihan
Bank menentukan besaran penyerapan biaya program pelatihan dan pengembangan SDM tahun 2021 Rp34,87 miliar
yang wajib mengikuti ketentuan yang berlaku dari OJK yaitu sebesar 5% dari total Biaya (termasuk magang dan
Tenaga Kerja (BTK). Management Trainee).
Pada tahun 2021, perusahaan terus mengembangkan digital learning platform disamping Total mandays learning pada tahun
program kompetensi yang bersifat tatap muka melalui virtual training, hal ini agar efektivitas 2021 yaitu 9,06 mandays learning,
dan efisiensi dapat terus dijaga demi peningkatan kualitas Sumber Daya Manusia. Selain itu yang terdiri dari Digital Learning
perusahaan juga menyelenggarakan edukasi Gerakan Literasi Syariah (GEULIS) untuk tingkat sebesar 38% atau 3,45 mandays
Pendidikan Dasar, tingkat Menengah ataupun tingkat Atas. learning, dan sisanya yaitu 62%
masih menggunakan metode tatap
Bank terus meningkatkan penyerapan biaya pelatihan dan juga man days learning sebagai muka atau sebesar 5,61 mandays
wujud komitmen Bank Muamalat Indonesia untuk mengembangkan Sumber Daya Manusia learning.
melalui media atau fasilitas yang tersedia di perusahaan.
Training and Education The cost of education and training
The Bank determines the amount of absorption of the costs of the training and HR in 2021 was Rp34.87 billion
development program by complying with the applicable provisions of the FSA, which is 5% of (including apprenticeship and
the total Labor Cost (BTK). management trainees).
In 2021, the company continued to develop a digital learning platform in addition to in-class The total man-days of learning in
competency programs. This is to ensure that effectiveness and efficiency are maintained in 2021 was 9.06 man-days, which
order to improve the quality of human resources. In addition, the company also organizes consisted of 38% digital learning,
education for the Sharia Literacy Movement (GEULIS) for elementary, middle, and upper levels or 3.45 man-days, while the
of education. remaining 62% was conducted
using face-to-face methods, or 5.61
The bank continues to increase the absorption of training costs as well as man-day learning as man-days of learning.
a form of Bank Muamalat Indonesia’s commitment to developing human resources through
the media or facilities available in the company.
5 Kebijakan Remunerasi Bank Muamalat Indonesia
Bank memahami bahwa kompensasi dan manfaat yang diberikan kepada karyawan memiliki tidak hanya memberikan
pengaruh terhadap produktivitas kinerja serta tingkat turnover karyawan. Oleh karenanya, remunerasi yang layak, tetapi juga
Bank senantiasa memperhatikan kesejahteraan karyawan dengan berusaha memfasilitasi memperhatikan kesejahteraan
kebutuhan karyawan dengan harapan terjalin hubungan saling membutuhkan sehingga karyawan dengan cara
terjadi keterikatan antara karyawan dan Bank yang saling bersinergi untuk mencapai tujuan memberikan sejumlah fasilitas,
yang sama. seperti asuransi kesehatan,
tunjangan kendaraan, tunjangan
Bank Muamalat menerapkan prinsip kesetaraan dalam memberikan remunerasi kepada hari raya dan akhir tahun,
setiap karyawan, yaitu tidak ada perbedaan jenis kelamin, suku atau latar belakang lainnya, tunjangan lembur, seragam, dan
namun berdasarkan jenjang jabatan, kinerja, masa kerja, dan hasil penilaian kinerja individu. sebagainya. Seperti remunerasi,
fasilitas yang diberikan kepada
Bank telah menentukan standar remunerasi dan memastikan sistem remunerasi yang karyawan disesuaikan dengan
diterapkan telah sesuai dengan ketentuan perundang-undangan, seperti tingkat Upah jenjang jabatan, masa kerja, dan
Minimum Provinsi (UMP) yang ditentukan Pemerintah berdasarkan wilayah kerja masing- lain-lain.
masing area. Selain itu, Bank Muamalat selalu melakukan review terhadap fasilitas dan
kesejahteraan karyawan dengan melakukan benchmark pasar dengan mengikuti survei Biaya yang dianggarkan untuk
melalui konsultan independen dan mematuhi seluruh ketentuan dari regulator. memberikan fasilitas bagi
karyawan pada tahun 2021 adalah
sebesar Rp130,63 miliar.
Remuneration Policy Bank Muamalat Indonesia not only
Bank Muamalat understands that the compensation and benefits provided to employees have provides adequate remuneration,
an impact on employee productivity and turnover rates. Therefore, the Bank continuously but also pays attention to
pays attention to the welfare of employees by facilitating their needs. The hope is that this employee welfare by providing
creates a mutual relationship and a bond between employees and the Bank that encourages a number of facilities, such as
working together to achieve the same goal. health insurance, office cars,
holiday and year-end allowances,
In providing remuneration to each employee, Bank Muamalat applies the principle of equality. paid overtime, uniforms and
There is no difference of treatment based on gender, ethnicity, or other backgrounds, the so on. Like remuneration, the
application is based on position, performance, years of service, and results of individual facilities provided to employees
performance appraisals. are adjusted to, among others, the
level of position, years of service,
The bank has determined remuneration standards and ensures that the remuneration system and others.
implemented is in accordance with statutory provisions, such as the Provincial Minimum Wage
(UMP) level determined by the government based on the work location or area. In addition, Bank Muamalat spent Rp130.63
Bank Muamalat always reviews facilities and employee welfare through market benchmarks billion for employee facilities in
by participating in surveys conducted by independent consultants, while remaining in 2021.
compliance with all regulations from regulators.

2021 Annual Report

No
6 Penghargaan Belum terdapat dampak kuantatif
Sebagai upaya mencapai target-target yang telah ditetapkan, Bank terus melakukan perbaikan atas penerimaan penghargaan
dalam pengelolaan ketenagakerjaan. Upaya tersebut tidak hanya memberikan dampak tersebut.
internal tapi juga diakui oleh pihak eksternal dengan diberikannya penghargaan terhadap
Bank Muamalat Indonesia. Pada September 2021 Bank Muamalat Indonesia mendapatkan
penghargaan di Ajang Indonesia Human Capital Award–VII–2021 yang diselenggarakan oleh
Economic Review dengan dua kategori, yaitu Platinum A (Very Excellent) Public Company Bank
BUKU 2-3 dan The Best HC Senior Leader.
Appreciation There has been no quantitative
The bank continues to make improvements in manpower management in an effort to achieve impact on receiving the award.
its stated targets. Not only did this effort have an internal impact, but it was also recognized by
external parties who gave awards to Bank Muamalat Indonesia.
In September 2021, Bank Muamalat Indonesia received an award at the Indonesia Human
Capital Award–VII–2021 organized by the Economic Review with two categories: Platinum A
(Very Excellent) Public Company Bank Book 2-3 and The Best HC Senior Leader.
B. Bidang Kesehatan dan Keselamatan Kerja (K3) B. Occupational Health and Safety (K3)
Terkait dengan kesehatan dan keselamatan kerja, In occupational health and safety, the Bank has realized
program yang telah direalisasikan adalah: the programs as elaborated below:

No
1 Sarana dan Keselamatan Kerja Pelatihan Keselamatan Kerja
Bank menghormati hak karyawan untuk bekerja di lingkungan yang sehat dan aman serta (K3) yang diadakan tahun 2021
senantiasa menjalankan program K3 di semua daerah operasinya. Implementasi dan memanfaatkan teknologi daring
pemeliharaan perilaku yang dapat mewujudkan K3 menjadi keharusan untuk dilakukan. sehingga tidak ada biaya yang
Pasalnya, K3 memiliki makna strategis yang menjaga eksistensi dan keberlanjutan usaha Bank. dikeluarkan.
Bank telah menerapkan aturan terkait keselamatan kerja di Bank, salah satunya adalah Biaya kesehatan kerja karyawan
kewajiban penggunaan helm bagi kurir pengantaran, perawatan kendaraan operasional, melalui Badan Penyelenggara
keamanan dari kecelakaan kelistrikan, atau lainnya sesuai dengan standar prosedur yang Jaminan Sosial (BPJS) Kesehatan
berlaku. Selain itu, pada masa pandemi Bank mengeluarkan aturan perihal penerapan yang dialokasikan pada tahun
protokol kesehatan 5M dalam upaya memutus rantai penyebaran COVID-19. 2021 adalah sebesar Rp12,17
miliar.
Work Facilities and Safety
The Bank respects the rights of employees to work in a healthy and safe environment and No costs were incurred in OHS
always carries out occupational health and safety (OHS) programs in all areas of its operation. since the training held in 2021
The implementation and maintenance of behaviors that can create OHS is a must as OHS has utilized online technology.
a strategic meaning to maintain the existence and sustainability of the Bank’s business.
The employee welfare costs
The Bank has implemented regulations related to work safety, including the obligation to through BPJS in 2021 were
use helmets for delivery couriers, maintenance of operational vehicles, safety from electrical Rp12.17 billion.
accidents, and others in accordance with applicable standard procedures. In addition, during
the pandemic, the Bank issued a regulation regarding the implementation of the 5M health
protocol in an effort to break the chain of COVID-19 spread.
2 Tingkat Kecelakaan Kerja Pada tahun 2021 tidak terdapat
Bank Muamalat Indonesia selalu menjaga dan meminimalisir tingkat kecelakaan kerja yang kecelakaan kerja pada Bank
terjadi di lingkungan perusahaan. Muamalat Indonesia.
Work Accident Rate In 2021 there were no work
Bank Muamalat Indonesia always maintains and minimizes the level of work accidents that accidents at Bank Muamalat
take place at the Company. Indonesia.
3 Pembentukan Tim Tanggap Darurat Pada tahun 2021, total personel
Bank Muamalat Indonesia telah membentuk tim tanggap darurat dalam rangka kesiapan yang mengikuti pelatihan
menghadapi kondisi darurat, yaitu Emergency Response Team (ERT) dan Incident Management tim tanggap darurat adalah
Team (IMT). sebanyak 228 orang.
ERT merupakan tim tanggap darurat yang dibentuk untuk penanganan kondisi atas darurat Tanggap Darurat sepanjang
yang terjadi di gedung Muamalat Tower. Tim ini dipimpin oleh Building Management dengan tahun 2021 tidak mengeluarkan
anggota dari floor captain di tiap lantai gedung, tim logistik dan tim keamanan dari pihak biaya mengingat sebagian besar
security. program dilakukan dengan
memanfaatkan teknologi daring
Sedangkan IMT merupakan tim yang disusun dengan anggota dari berbagai lintas divisi: selama pandemi COVID-19.
bidang logistik dan prasarana, komunikasi, sumber daya manusia, operasional, layanan,
teknologi informasi dan legal. IMT dibentuk untuk mendukung optimalisasi terhadap proses
pengelolaan insiden/bencana yang terjadi di Bank.
BMI telah menyusun panduan yang tertuang dalam Prosedur Business Continuity Managemennt
(BCM) dan Business Continuity Plan (BCP) dalam pelaksanaan penanganan bencana.


No
Establishment of an Emergency Response Team In 2021, the total number of
To prepare for emergency situations, BMI has formed emergency response teams, namely the employees who participated in
Emergency Response Team (ERT) and the Incident Management Team (IMT). the emergency response team
training is 228 people.
The Muamalat Tower Emergency Response Team (ERT) was formed to handle emergency
situations in the building. It is chaired by building management, and its members include a The Emergency response
floor captain from each floor of the Muamalat Tower building, a logistics team, and a safety throughout 2021 was costless
team from the security team. given most of the programs
were run online during the
Meanwhile, the IMT is a team consisting of members from various divisions including logistics COVID-19 pandemic.
and infrastructure, communication, human resources (HR), operations, services, information
technology (IT), and legal. The IMT was formed to support the optimization of incident or
disaster management processes that occur at BMI.
In implementing disaster management, BMI has compiled guidelines contained in the Business
Continuity Management (BCM) Procedure and Business Continuity Plan (BCP).
4 Tanggap Darurat Pandemi di BMI Sepanjang 2021, biaya
Pandemi COVID-19 masih berlangsung hingga tahun 2021. Sejak tahun 2020, Bank Muamalat tanggap darurat pandemi
Indonesia telah membentuk Satuan Gugus Tugas yang diketuai oleh Direktur Operasional dan yang direalisasikan oleh Bank
Direktur Human Capital serta beranggotakan Kepala Divisi dari lintas sektoral. adalah sebesar Rp587.000.000.
Biaya tersebut adalah biaya
Strategi pencegahan penyebaran COVID-19 yang telah dilakukan adalah: pengadaan masker, hand
– Membuat protokol kesehatan yang wajib dipatuhi oleh semua karyawan dan selalu sanitizer, disinfectant, sarung
dimutakhirkan dengan peraturan baik dari pemerintah pusat maupun dari daerah. tangan dan tes COVID-19 di
– Mewajibkan penerapan protokol kesehatan bagi setiap karyawan yang bekerja, tamu, dan seluruh kantor cabang Bank
nasabah yang berkunjung, yaitu pengecekan suhu, memakai masker, menjaga jarak, dan selama pandemi berlangsung.
mencuci tangan.
– Telah dilakukan split operation bagi unit kritikal. Terdapat 855 karyawan yang
– Menerapkan sistem bekerja di rumah (work from home/WFH) secara bergantian. terinfeksi COVID-19 saat
– Bagi karyawan yang bekerja di kantor (work from office/WFO), setiap karyawan diwajibkan bekerja di kantor dan Bank
mengisi self-assessment COVID-19 sebagai alat monitor kesehatan dan aktivitas karyawan. telah memberikan penanganan
– Melakukan penyemprotan disinfektan rutin di setiap kantor dan membuat tanda jarak di sesuai prosedur terhadap
lift, banking hall, ruang rapat, dan pantry. karyawan terkait.
– Telah menerbitkan protokol panduan penanganan bagi karyawan konfirmasi, kontak erat,
suspect, probable, dan meninggal.
– Mendampingi karyawan terkonfirmasi dalam grup Muamalat Sehat yang beranggotakan
dokter klinik, HC dan BCM sebagai wadah komunikasi dan motivasi karyawan terkonfirmasi.
– Memberikan tes COVID-19 kepada karyawan kontak erat.
– Melakukan sosialisasi kepada karyawan mengenai protokol kesehatan baik dengan virtual
meeting maupun dengan flyer-flyer yang dikirimkan serentak melalui e-mail maupun
whatsapp group unit kerja.
– Bank Muamalat Indonesia menggelar vaksinasi gratis COVID-19 untuk karyawan, keluarga
karyawan, dan masyarakat umum.
Pandemic Emergency Response at BMI The realized cost for handling
In 2021, the COVID-19 pandemic was still ongoing. Bank Muamalat Indonesia formed a Task the pandemic in 2021 was
Force Unit, chaired by the Director of Operations and the Director of Human Capital, and Rp587 million. The expenses
consists of Heads of Divisions from various sectors. were for procuring masks, hand
sanitizers, disinfectant, gloves,
The strategies to prevent the spread of COVID-19 that have been carried out are: and COVID tests at all the
– Create health protocols that all employees must comply with and are always up to date with Bank’s branch offices during the
regulations from both the central and regional governments. pandemic.
– Require the implementation of health protocols for every employee coming to work, guests
and customers who visit, by checking body temperature, wearing a mask, maintaining The Bank has provided
distance and washing hands. treatment for all 855 employees
– A split operation has been carried out for the critical unit who have been infected with
– Implementing a work from home (WFH) system alternately COVID-19 while working at the
– For employees who work from office, each employee is required to complete a COVID-19 office, in accordance with the
self-assessment as a means of monitoring employee health and activities. protocols.
– Perform routine disinfectant spraying at every office and make distance marks in elevators,
banking halls, meeting rooms and pantries.
– A handling guideline protocol has been issued for confirmation, close contact, suspect,
probable and death of employees.
– Accompanying infected employees in the Muamalat Sehat group consisting of clinic doctors,
HC and BCM as a forum for communication and confirmed employee motivation.
– Provide close contact employees with COVID-19 tests.
– Conducting outreach to employees regarding health protocols both with virtual meetings
and with flyers sent simultaneously via e-mail and the work unit’s WhatsApp group.
– Bank Muamalat Indonesia provides free COVID-19 immunizations for employees, their
families, and general public.

2021 Annual Report
Mekanisme Pengaduan Masalah Manpower Issues Complaints Mechanism

Ketenagakerjaan
Terkait dengan pengaduan masalah ketenagakerjaan, BMI Based on the applicable policies and procedures, Bank
menyediakan saluran internal yakni call center yaitu SalamHC. Muamalat Indonesia provides a call center, SalamHC, as a
Setiap keluhan dan/atau pengaduan seorang karyawan atau channel to place a report related to manpower issues. Every
lebih, akan diselesaikan secara musyawarah mufakat, adil complaint from one or more employees will be resolved by
serta secepat mungkin, utamanya dalam menyelesaikan deliberation to reach a consensus fairly and as quickly as
perselisihan hubungan industrial. Hal ini sesuai dengan possible, especially for disputes about industrial relations.
kebijakan dan prosedur yang berlaku di Bank.
Meskipun demikian, penyelesaian kasus-kasus terkait Each employee-related case is settled through a process
karyawan di lingkungan Bank dilakukan melalui proses that is not in violation of any applicable law and regulation,
yang sesuai dengan ketentuan perundang-undangan yang with priority placed on bipartite/internal settlement to avoid
berlaku. Dalam proses penyelesaian, diutamakan secara unnecessary involvement of any third party.
bipartit/internal perusahaan tanpa melibatkan pihak ketiga.
Tanggung Jawab terhadap Nasabah

Responsibility towards Customers
Komitmen Kebijakan Policy Commitment

Dalam menjalankan tanggung jawab perusahaan kepada In fulfilling corporate responsibility to the customers, the
nasabah, Bank mengacu pada kebijakan dan regulasi yang Bank always refers to the policies and regulations applicable
berlaku di Indonesia, yaitu: in Indonesia, as follows:
1. Peraturan OJK No. 1/POJK.07/2013 tentang Perlindungan 1. FSA Regulation No.1/POJK.07/2013 on Consumer
Konsumen Sektor Jasa Keuangan. Protection in the Financial Services Sector.
2. Peraturan Bank Indonesia (PBI) No. 7/7/PBI/2005 tentang 2. Bank Indonesia Regulation (PBI) No. 7/7/PBI/2005 on
Penyelesaian Pengaduan Nasabah, sebagaimana Customer Complaints Settlement, as has been amended
telah diubah dengan PBI No. 10/10/ PBI/2008 tentang by PBI No. 10/10/PBI/2008 on Customer Protection.
Perlindungan Nasabah.
Dari aturan tersebut, Bank menyusun komitmen dan From these regulations, Bank Muamalat formulates its
kebijakan Bank terhadap nasabah yang diwujudkan melalui commitments and policies for customers, manifested to
upaya menjaga tingkat kepuasan nasabah guna menunjang maintain customer satisfaction and help the Bank achieve
tercapainya pertumbuhan bisnis yang berkelanjutan. Bank sustainable business growth. The Bank continues to maintain
terus menjaga jaminan kualitas layanan dan komitmen service quality and a commitment to servicing its customers
terhadap pelayanan terhadap nasabah maupun mitra and business partners. This is very important to the Bank as
usaha. Hal tersebut menjadi sangat penting bagi Bank it is part of the effort to increase the trust of customers or
sebagai bagian dari upaya meningkatkan kepercayaan business partners towards the Bank’s reputation, which will
pelanggan atau mitra usaha Bank sehingga menciptakan eventually lead to sustainable business in the long term.
keberlangsungan usaha yang berkelanjutan.
Bank juga terus menyesuaikan produknya sesuai kebutuhan The Bank also offers customer-driven products, including
nasabah di antaranya Salam Hijrah Proteksi sejak 2020, yang Salam Hijrah Proteksi in 2020, which provide insurance
memberikan fitur asuransi terkait COVID-19 serta produk- features to cover COVID-19-related losses in addition to
produk terkait donasi lainnya. other donation-based products.
Ruang Lingkup Tanggung Jawab Scope of Responsibility

Bank telah menentukan ruang lingkup tanggung jawab The Bank has determined the scope of CSR responsibilities
CSR kepada nasabah, antara lain penanganan keluhan for customers, including handling customer complaints. To
pelanggan. Untuk memfasilitasi hal tersebut, BMI memiliki facilitate this, BMI has a call center that customers can access

call center yang dapat diakses oleh nasabah selama 24 jam. 24/7. The Bank also operates counter customer service at
Tidak hanya itu, Bank juga menyediakan counter customer each service office.
service di setiap kantor layanan.
Bank juga berperan aktif dalam melakukan edukasi literasi Besides providing services to customers, pursuant to FSA
keuangan kepada masyarakat. Hal tersebut sesuai dengan Regulation No. 7/POJK.07/2016 on Improving Financial
Peraturan OJK No. 7/POJK.07/2016 tentang Peningkatan Literacy and Inclusion in the Financial Services Sector for
Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Untuk Consumers and/or the Public and OJK Circular No. 30/
Konsumen dan/atau Masyarakat serta Surat Edaran OJK SEOJK.07/2017 on the Implementation of Programs to
No. 30/SEOJK.07/2017 tentang Pelaksanaan Kegiatan dalam Improve Financial Literacy in the Financial Services Sector,
Rangka Meningkatkan Literasi Keuangan di Sektor Jasa the Bank is also active in providing education about financial
Keuangan, literacy to the public.
Rencana Kegiatan Planning for Programs

Penyusunan rencana kegiatan CSR terhadap nasabah In preparing the plan for CSR programs for customers, the
dilakukan oleh Bank dengan mengevaluasi program Bank evaluates work programs that have been implemented
kerja yang telah dilaksanakan pada tahun sebelumnya. in recent years. The Bank continued the successful programs
Program yang berjalan baik, diteruskan pada tahun 2021 in 2021 and has made necessary improvements for the next
dan kemudian apabila berhasil terus dilanjutkan serta few years.
ditingkatkan pada tahun berikutnya.
Beberapa kegiatan terus dilakukan oleh Bank dari tahun ke The Bank has been engaged in several continuing initiatives
tahun secara berkesinambungan. from year to year.
Pelaksanaan Kegiatan Implementation of Activities

Kegiatan Dampak
Activity Impact
YouTube video | Video YouTube
– Muamalat Talk
103.756
ditonton | views
– Promosi | Promotion
– Short Campaign
– Promosi dan Literasi Lainnya|Promotion and Other
Literation
Jaminan Sosial Muamalat | Social Security Muamalat Mustahik dapat memenuhi kebutuhan dasar yang mendesak. Total
penerima 21.919 individu dan 19 instansi.
Mustahik was capable of meeting basic necessities. There were 21,919
people and 19 institutions among the recipients.
BMM Rescue Penerima dapat memenuhi kebutuhan dasar untuk bangkit dari
keterpurukan pasca bencana. Total penerima 10.651 jiwa.
Recipients were able to meet their fundamental needs to recover from the
disaster. There was a total of 10,651 recipients.
Rumah Berkah Muamalat Kualitas hidup masyarakat disediakan melalui rumah yang layak huni dan
sanitasi yang baik. Total penerima 148 keluarga.
The community’s quality of life is provided through decent housing and good
sanitation. Total recipients were 148 families.
Beasiswa CIKAL Muamalat | CIKAL Muamalat Scholarship Bantuan keuangan kepada siswa SD hingga SMA agar lulus sekolah tepat
waktu dengan penerima 224 siswa.
Financial assistance to elementary into high school students to graduate
school on time was given to 224 students.
Beasiswa Sarjana Muamalat | Muamalat Undergraduate Mustahik dapat memenuhi kebutuhan dasar yang mendesak. Total
Scholarship penerima 21.919 individu dan 19 instansi.
Mustahik was capable of meeting basic necessities. There were 21,919
people and 19 institutions among the recipients..
Beasiswa Tahfidz Muamalat | Tahfidz Muamalat Scholarship Santri yang memiliki hafalan dapat mengajarkan kepada siapa saja, baik di
masyarakat maupun di tempat kerja, sehingga dakwah Al Quran disemai
seluas mungkin. Total penerima 23 siswa.
Students who have memorized the AL Quran can teach anyone in the
community or at work, ensuring that the Al Quran’s da’wah reaches as
many people as possible. There was a total of 23 students who received the
scholarship.

2021 Annual Report
Kegiatan Dampak
Activity Impact
Muamalat Solidarity Boarding School Santri dari kalangan tidak mampu mendapatkan kesempatan mengenyam
pendidikan berkualitas. Total pelajar penerima 350 pelajar.
Students from disadvantaged backgrounds have been given the opportunity
to receive a quality education. The total number of recipients was 350
students.
Dusun Zakat Muamalat Masyarakat pelosok mendapatkan pendampingan spiritual, sosial dan
ekonomi untuk meningkatkan kehidupan masyarakat. Total 194 santri.
Remote communities received spiritual, social, and economic assistance to
improve people’s lives totaling 194 students.
Muamalat Sahabat UMKM Pelaku UMKM mendapatkan pendampingan proses bisnis (bahan baku,
produksi dan pemasaran) untuk menigkatkan kesejahteraan. Total UMKM
sebanyak 30 UMKM.
To promote welfare, MSME actors received business process assistance (raw
materials, production, and marketing). There were total of 30 MSMEs.
Informasi Produk Product Information

Dalam menyediakan produk dan layanan perbankan, In providing banking products and services, the Bank strives
Bank senantiasa berupaya untuk menyesuaikan dengan to adapt to each customer’s needs and risks, which is, of
kebutuhan dan risiko dari masing-masing nasabah yang course, in accordance with Islamic law. The Bank provides
tentunya sesuai dengan syariat Islam. Informasi mengenai information about these products and services while keeping
produk dan layanan tersebut dilakukan oleh Bank dengan the following factors in mind.
memperhatikan hal-hal sebagai berikut.
1. Informasi secara tertulis mengenai produk Bank 1. Written information regarding the Bank’s products that
yang memenuhi persyaratan minimal sebagaimana meet the specified minimum requirements. Written
ditentukan. Informasi tertulis atas produk Bank antara information on Bank products, among other media,
lain terdapat pada brosur yang tersedia di cabang, is specified in brochures available at branches, on the
informasi pada website, serta tampilan pada sales kit saat website, and in sales kits given to customers.
disampaikan kepada nasabah.
2. Petugas Bank (Customer Service dan Marketing) telah 2. Bank officers (Customer Service and Marketing) shared
menjelaskan informasi-informasi produk kepada product knowledge with the customers. The information
nasabah. Informasi tersebut dijelaskan oleh petugas is explained by Bank officers when offering products
Bank saat menawarkan produk atau melayani nasabah or serving customers when they open a bank account,
baik untuk permohonan pembukaan rekening, request information, or voice their complaints.
permintaan informasi, ataupun saat menyampaikan
keluhan.
3. Informasi produk yang disampaikan sesuai dengan 3. What is given to the customers is always the right
kondisi sebenarnya. Dalam penyampaian informasi information. The Bank officers are given guidance from
produk, petugas Bank memiliki guidance yang telah the product owner along with marketing tools and sales
disampaikan oleh product owner serta marketing tools kits prepared by the Operation Services unit, where the
maupun sales kit yang dipersiapkan unit Operation information included the features, benefits, costs, and
Services. Informasi yang disampaikan meliputi fitur, risks inherent in a product (if any).
benefit, biaya dan juga risiko dari produk dimaksud (jika
ada).
4. Bank menyampaikan kepada nasabah jika terdapat 4. The Bank notifies customers if there are changes in
perubahan-perubahan informasi produk. Perubahan product information. Any change in information is
informasi disampaikan minimal 30 hari sebelum usually communicated at least 30 days before it becomes
diberlakukannya perubahan dimaksud. Informasi effective. The change in information is conveyed, among
disampaikan antara lain melalui pengumuman di kantor other channels, through announcements in service
layanan, website maupun media sosial BMI, serta pada offices, websites, and BMI social media and ATM screens,
layar mesin ATM, layar MB, dan IB. MB screens, and IB.

5. Informasi produk dapat terbaca dengan jelas dan dapat 5. Product information is given in a way that customers
dimengerti. Seluruh informasi pada sales kit, melalui will find readable and comprehensible. All information
website, maupun brosur yang dipersiapkan bagi nasabah, in the sales kit, on the website, and in the brochures
terdapat standar huruf yang harus dapat terbaca oleh that are prepared for customers is written in a standard
nasabah. Apabila terdapat hal yang tidak dipahami form that customers can understand. For customers
nasabah maka terdapat contact yang dapat dihubungi who have difficulty understanding the information
nasabah, baik melalui call center salamuamalat 1500016 provided, the Bank provides a contact number either
ataupun e-mail info@bankmuamalat.co.id dan kepada to the Salamuamalat call center at 1500016 or by e-mail
kantor layanan terdekat. to info@bankmuamalat.co.id, or by visiting the nearest
service office.
6. Bank memiliki layanan informasi produk yang dapat 6. The Bank has product and services information that can
diperoleh dengan mudah, misalnya melalui brosur, be obtained easily by the public, for example brochures,
website, salamuamalat, media sosial, dan media lainnya. websites, Salamuamalat, social media, and other media.
7. Terkait penyebaran data pribadi nasabah kepada pihak 7. With regards to sharing customer data with the Bank’s
ketiga yang bekerja sama dengan Bank, Bank menjelaskan business partners, the Bank must first explain the
tujuan dan konsekuensi penyebaran data pribadi purpose and consequences of customer data sharing
tersebut kepada nasabah saat nasabah dimintakan and ask for the customer’s consent. The Bank will never
persetujuan pemberian data pribadi dimaksud. Nasabah give a customer’s personal data without the respective
yang data pribadinya disebarluaskan telah memberikan customer’s consent. There is a special section in the
persetujuan atas pemberian data pribadinya tersebut. form the customer must fill out when opening an
Persetujuan ini terdapat pada bagian khusus di formulir account, where it asks if the customer either approves or
pembukaan rekening yang harus diisi nasabah baik disapproves of data being shared with parties other than
menyetujui ataupun tidak menyetujui penyebaran data. the Bank.
Mekanisme dan Jumlah Pengaduan Nasabah Customer Complaint Mechanism and

Number of Complaints
Dalam hal terdapat keluhan atau sengketa dengan nasabah, In the event of a complaint or dispute with a customer, the
Bank telah memiliki mekanismenya yang juga telah Bank has a mechanism in place that has also been made
disampaikan kepada nasabah. Bahkan Bank telah melakukan available to the customer. The Bank has also socialized the
sosialisasi penanganan pengaduan nasabah yang dapat handling of customer complaints, which can be submitted
disampaikan melalui website dan media sosial Bank. through the Bank’s website and social media.
Pengembangan penanganan pengaduan nasabah terus Customer complaint handling continues to be carried out
dilakukan dengan mengacu pada kepuasan nasabah. Dengan with a focus on customer satisfaction. It is expected that the
adanya sistem penanganan pengaduan yang komprehensif, presence of a comprehensive, systematic, responsive, fast,
sistematis, responsif, cepat dan tuntas, diharapkan dapat and complete complaint handling system will improve the
meningkatkan kualitas layanan di baik di cabang maupun quality of service at both branches and other Bank Muamalat
contact point Bank Muamalat lainnya. contact points.
Sepanjang tahun 2021, Bank telah menerima 17.667 Throughout 2021, the Bank received 17,667 complaints.
pengaduan. Sebanyak 98,73% dari pengaduan tersebut dapat According to the Service Level Agreement, 98.73% of these
diselesaikan sesuai Service Level Agreement yang ditetapkan complaints were resolved (SLA IN). Meanwhile, in the 2020
(SLA IN). Sementara pada periode 2020 telah diterima 10.716 period, 10,716 complaints were received, and the SLA IN
pengaduan dan pencapaian SLA IN adalah 93,42%. achieved was 93.42%.

2021 Annual Report
Tanggung Jawab terhadap

Pengembangan Sosial dan
Kemasyarakatan
Responsibility towards Social and Community Development
Kebijakan dan Komitmen Policy and Commitment

Bank menyadari sepenuhnya bahwa keberhasilan dalam The Bank understands that business success is inextricably
menjalankan usaha tidak luput dari dukungan masyarakat di linked to the support of the community surrounding the
sekitar lingkungan unit-unit usaha Bank. Oleh karena itu, Bank Bank’s business units. As a result, the Bank pays attention to
memberikan perhatian kepada seluruh elemen masyarakat, all aspects of society, as evidenced by the implementation of
yang antara lain diwujudkan melalui pelaksanaan CSR di CSR in the field of social and community development.
bidang pengembangan sosial dan kemasyarakatan.
Penyaluran CSR di bidang sosial dan kemasyarakatan The distribution of CSR in the social and community sector is
dikelompokkan menjadi 2 (dua) jenis penyaluran, yakni: classified into two (2) types:
A. Golongan 8 Ashnaf A. Group 8 Ashnaf

Kegiatan untuk ashnaf menggunakan dana zakat. Zakat funds are used for Ashnaf activities. The Ashnaf
Mereka yang termasuk golongan ashnaf adalah: people are as follows:
1. Fakir (orang yang tidak mampu menutupi separuh 1. The poor (those who are unable to meet half of their
kebutuhannya); basic needs);
2. Miskin (orang yang baru bisa memenuhi separuh 2. Impoverished (people who can only meet half or
atau lebih kebutuhannya); more of their basic needs);
3. Amil zakat (pengelola zakat) 3. Zakat Amil (zakat manager);
4. Mualaf (mereka yang baru memeluk agama Islam); 4. Mualaf (individuals who have recently converted to
Islam);
5. Hamba sahaya (budak); 5. Slaves sahaya (slaves);
6. Al-gharim (orang yang terlilit utang); 6. Al-gharim (indebted people);
7. Fisabilillah (mereka yang berjuang atas nama 7. Fisabilillah (those who fight for religion); and
agama); dan
8. Ibnu sabil (musafir yang tidak bisa kembali ke negara 8. Ibn Sabil (travelers who cannot return to their home
asalnya). country).
B. Bukan Golongan 8 Ashnaf B. Non-8 Ashnaf Group

Masyarakat di luar golongan ashnaf. Kegiatan golongan People who are not part of the Ashnaf group. This group’s
ini biasanya menggunakan dana infak dan sedekah. activities are typically funded by infaq and alms.
Selain melalui program CSR di bidang pengembangan Baitulmaal Muamalat, the Bank’s affiliated company, also
sosial dan kemasyarakatan, perusahaan afiliasi Bank, yakni distributes zakat, infaq, and alms funds in addition to CSR
Baitulmaal Muamalat juga menyalurkan dana zakat, infak programs in the field of social and community development.
dan sedekah.
Risiko Sosial yang Dikelola Managed Social Risk

Bank telah menentukan pengelolaan risiko serta isu sosial Risks and social issues that are relevant and managed by the
yang relevan terkait dengan kemasyarakatan, yaitu yang Bank in relation to the community are those of a donation
bersifat donasi, yang umumnya dibutuhkan masyarakat. nature, which are generally required by the community.
Beberapa bentuk bantuan, antara lain berupa donasi Donations are often needed for education, construction/
pendidikan, donasi pembangunan/perbaikan sarana dan repair of social facilities and infrastructure, and other general
prasarana sosial dan sebagainya. donations.

Sedangkan risiko sosial yang dikelola, antara lain kemiskinan, Managed social risks include poverty, economic and social
ketimpangan ekonomi dan sosial serta akses terhadap inequality, and access to education.
pendidikan.
Ruang Lingkup Tanggung Jawab Scope of Responsibilities

Melalui unit kerja CSR, Bank merumuskan ruang lingkup Every year, the Bank formulates the scope of responsibility
tanggung jawab di bidang sosial dan kemasyarakatan yang in the social and community sector, which involves third-
melibatkan lembaga pihak ketiga setiap tahun, di antaranya party institutions such as zakat amil institutions, non-
lembaga amil zakat, lembaga swadaya masyarakat, dan governmental organizations, and other institutions, through
lembaga-lembaga lainnya. the CSR work unit.
Rencana dan Pelaksanaan Kegiatan Plan and Implementation of Activities

Bank telah melakukan program terkait dengan tanggung The Bank has carried out programs related to social and
jawab terhadap pengembangan sosial dan kemasyarakatan community development, which are detailed in the table
yang diurai dalam tabel berikut. below.
Program Realisasi Realization
Penggunaan Tenaga Kerja Seluruh vendor dan karyawan Bank per tahun 2021 All vendors, and employees of Bank Muamalat
Lokal adalah Warga Negara Indonesia. Meskipun demikian, Indonesia as of 2021 are Indonesian citizens.
Use of Local Labor Bank tidak memiliki kebijakan khusus mengenai However, the Bank does not have a specific policy
tenaga kerja lokal. regarding local manpower.
Pemberdayaan Masyarakat Pemberdayaan masyarakat sekitar wilayah operasi The communities around the Bank’s operational
Sekitar Perusahaan Bank dilakukan melalui program seperti Muamalat areas are empowered through several programs,
Empowerment of Nearby Sahabat UMKM. such as Muamalat Sahabat UMKM/MSME.
Communities
Perbaikan Sarana dan Salah satu penyaluran dari CSR bidang sosial Improvements of social facilities and infrastructure
Prasarana Sosial dan kemasyarakatan ialah perbaikan sarana dan is one of the CSR distributions in the social and
Improvement in Social prasarana sosial yang diwujudkan melalui program community sectors, realized through programs
Facilities and Infrastructure antara lain Dusun Zakat Muamalat dan Rumah Berkah such as Dusun Zakat Muamalat and Rumah Berkah
Muamalat. Muamalat.
Donasi Kegiatan dalam Hingga 31 Desember 2021, Bank memberikan As of December 31, 2021, the Bank had made donations
Lingkup Pengembangan donasi dalam lingkup pengembangan sosial in the scope of social and community development,
Sosial dan Kemasyarakatan dan kemasyarakatan antara lain Beasiswa CIKAL including the CIKAL Muamalat Scholarship and the
Donation of Activities in Muamalat dan Beasiswa Sarjana Muamalat. Muamalat Undergraduate Scholarship.
the Scope of Social and
Community Development
Kebijakan dan Pelatihan Anti Bank senantiasa memegang integritas yang tinggi dan The Bank always embraces integrity with honesty and
Korupsi kejujuran serta keadilan dalam melakukan kegiatan fairness in conducting business. The principles are
Anti-corruption Policy and usahanya. Hal tersebut juga diwujudkan dengan demonstrated by strict compliance with applicable
Training dimilikinya kepatuhan yang tinggi terhadap hukum laws, which is part of the anti-corruption policy and
yang berlaku, yang merupakan bagian dari bentuk a form of support to the government programs on
anti korupsi serta sebagai bentuk dukungan terhadap corruption eradication.
program pemerintah mengenai pemberantasan
korupsi.
Komunikasi kegiatan anti korupsi yang dijalankan The Bank’s current communication of anti-corruption
oleh Bank saat ini terhadap seluruh unit kerja di activities to all work units at Bank Muamalat takes
Bank Muamalat untuk menghindari adanya fraud the form of sending e-mail blasts once a week and
berupa penyampaian e-mail blast sekali seminggu dan newsletters once a month.
newsletter sekali sebulan.
Pelatihan Anti Korupsi yang dijalankan telah Anti-Corruption Training has been conducted twice a
dilaksanakan pada seluruh cabang sebanyak 2 (dua) year in all branches by the relevant branch managers
kali setahun yang disampaikan oleh Pimpinan Cabang and is partially delivered by the anti-fraud team.
terkait dan sebagian juga disampaikan oleh tim anti
fraud.

2021 Annual Report
Capaian Pengembangan Sosial dan Social and Community Development Awards

Kemasyarakatan
Pada tahun 2021, Bank Muamalat Indonesia meraih In 2021, Bank Muamalat Indonesia received the “Star 3”
penghargaan “Star 3” dalam ajang TOP CSR Awards 2021 award from TOP Business Magazine for its flagship program,
dari TOP Business Magazine dengan program andalan yang Prima Savings, with the prize for the COVID-19 Donation
dipresentasikan adalah Tabungan Prima Berhadiah Paket Package, at the TOP CSR Awards 2021.
Donasi COVID-19.
Biaya Cost
Hingga 31 Desember 2021, biaya yang dikeluarkan untuk Costs incurred for the Community Social Development CSR
program CSR Pengembangan Sosial Kemasyarakatan as of December 31, 2021, reached Rp7,784 million, with the
sebesar Rp7.784 juta, dengan rincian sebagai berikut: following details:
(Rp juta) (Rp million)
Realisasi Biaya
Program Program
Cost Realization
Jaminan Sosial Muamalat 2.629 Muamalat Social Assurance
Rumah Harapan 664 Rumah Harapan
Beasiswa CIKAL Muamalat 1.098 CIKAL Muamalat Scholarship
Beasiswa Sarjana Muamalat 1.423 Mumalat Undergraduate Scholarship
Muamalat Solidarity Boarding School 1.819 Muamalat Solidarity Boarding School
Dusun Zakat Muamalat 114 Muamalat Zakat Hamlet
Muamalat Sahabat UKM 35 Muamalat Sahabat UKM
Jumlah 7.784 Total


2021 Annual Report
Laporan
Keuangan 2021
2021 Financial Statements
Laporan Keuangan
31 Desember 2021 Dan Untuk Tahun
Yang Berakhir Pada Tanggal Tersebut
Beserta Laporan Auditor Independen
The Financial Statements

As of December 31, 2021 And For
The Year Ended With Independent
Auditor’s Report
DAFTAR ISI / TABLE OF CONTENTS
Halaman/ Page
1. SURAT PERNYATAAN DIREKSI 1. DIRECTOR’S STATEMENTS LETTER
2. DAFTAR ISI 2. TABLE OF CONTENTS
3. LAPORAN AUDITOR INDEPENDEN 3. INDEPENDENT AUDITORS’ REPORT
4. LAPORAN KEUANGAN - 4. FINANCIAL STATEMENT -

Tanggal 31 Desember 2021 dan untuk As of December 31, 2021 and for the
tahun yang berakhir pada tanggal tersebut, year then ended, are as follow:
yang terdiri dari:
- Laporan Posisi Keuangan i - iv - Statement of Financial Position
- Laporan Laba Rugi dan Penghasilan - Statement of Profit or Loss and

Komprehensif Lain v Other Comprehensive Income
- Laporan Perubahan Ekuitas vi - Statement of Changes in Equity
- Laporan Arus Kas vii - Statement of Cash Flows
- Laporan Rekonsiliasi Pendapatan dan - Statement of Reconciliation of

Bagi Hasil viii Income and Revenue Sharing
- Laporan Sumber dan Penyaluran Dana - Statement of Sources and

Zakat ix Distribution of Zakat Funds
- Laporan Sumber Dana dan - Statement of Sources and Uses of

Penggunaan Dana Kebajikan x Qordhul Hasan Funds
- Catatan atas Laporan Keuangan 1 - 154 - Notes to Financial Statement
************************

2021 Annual Report
2021 Annual Report
PT BANK MUAMALAT INDONESIA Tbk PT BANK MUAMALAT INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
TANGGAL 31 DESEMBER 2021 AS OF DECEMBER 31, 2021
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Indonesian Rupiah
kecuali dinyatakan lain) unless otherwise stated)
31 Desember / 31 Desember /
Catatan/ December 31 December 31
Notes 2021 2020
ASET ASSET
KAS 2.a, 3 745.190.145 732.760.187 CASH
GIRO DAN PENEMPATAN PADA CURRENT ACCOUNTS AND

BANK INDONESIA 2.d, 4 6.502.230.839 2.835.513.916 PLACEMENTS WITH BANK INDONESIA
GIRO PADA BANK LAIN CURRENT ACCOUNTS WITH OTHER BANKS

Pihak ketiga 2.e, 5 397.510.597 492.968.680 Third Parties
Cadangan Kerugian penurunan nilai -- -- Allowance for impairment losses
Neto 397.510.597 492.968.680 Net
PENEMPATAN PADA BANK LAIN 2.f, 6 PLACEMENTS WITH OTHER BANKS

Pihak ketiga 4.087.938 4.057.563 Third Parties
Cadangan Kerugian penurunan nilai (418.830) (587.273) Allowance for impairment losses
Neto 3.669.108 3.470.290 Net
INVESTASI PADA SURAT BERHARGA 2.g, 7 INVESTMENTS IN MARKETABLE SECURITIES

Pihak ketiga 26.935.960.511 12.185.387.237 Third Parties
Cadangan Kerugian penurunan nilai (9.975.000) (14.975.000) Allowance for impairment losses
Neto 26.925.985.511 12.170.412.237 Net
PIUTANG 2.h, 8 RECEIVABLES

Piutang murabahah - setelah dikurangi Murabahah receivables - net of deferred
margin ditangguhkan sebesar margin income amounting to
Rp 2.087.540.600 tahun 2021 dan Rp 2,087,540,600 in 2021 and
Rp 4.267.515.341 tahun 2020 Rp 4,267,515,341 in 2020
Pihak ketiga 7.697.644.063 12.876.638.349 Third parties
Pihak berelasi 3.001.452 4.173.110 Related parties
Jumlah 7.700.645.515 12.880.811.459 Total
Bersih 7.478.377.247 12.528.830.821 Net
Piutang Istishna - setelah dikurangi Istishna receivables - net of deferred

margin ditangguhkan sebesar margin income amounting to
Rp 1.283.423 tahun 2021 dan Rp 1,283,423 in 2021 and
Rp 1.872.149 tahun 2020 Rp 1,872,149 in 2020
Pihak ketiga 1.702.215 17.938.410 Third parties
Cadangan Kerugian penurunan nilai (30.763) (178.190) Allowance for impairment losses
Bersih 1.671.452 17.760.220 Net
Piutang Ijarah Ijarah receivables

Bersih -- 2.867.330 Net
JUMLAH PIUTANG 7.703.444.459 12.905.460.259 TOTAL RECEIVABLES

Bersih 7.480.048.699 12.549.458.371 Net
PINJAMAN QARDH 2.i, 9 FUNDS OF QARDH

Pihak berelasi 133.960 24.420 Related parties
Jumlah 689.169.326 898.332.475 Total
Bersih 672.165.061 883.436.562 Net
Catatan atas Laporan Keuangan merupakan bagian yang The accompanying Notes to Financial Statements
tidak terpisahkan dari laporan keuangan secara keseluruhan are an integral part of financial statements

Notes 2021 2020
PEMBIAYAAN MUDHARABAH 2.j, 10 MUDHARABAH FINANCING

Pihak berelasi -- -- Related parties
Jumlah 526.139.969 620.075.366 Total
Bersih 517.034.516 613.557.316 Net
PEMBIAYAAN MUSYARAKAH 2.j, 11 MUSYARAKAH FINANCING

Jumlah 9.122.394.120 14.478.475.682 Total
Bersih 8.831.663.553 14.277.575.162 Net
PENYERTAAN SAHAM 2.m, 12 407.711.237 407.711.237 INVESTMENT IN SHARES

Cadangan Kerugian penurunan nilai (60.242.400) -- Allowance for impairment losses
Bersih 347.468.837 407.711.237 Net
TAGIHAN AKSEPTASI 2.k, 13 ACCEPTANCES RECEIVABLE

Jumlah 63.093.034 123.425.352 Total
ASET YANG DIPEROLEH UNTUK IJARAH 2.n, 14 ASSETS ACQUIRED FOR IJARAH
Akumulasi penyusutan (2.372.439) (9.587.398) Accumulated depreciation
Jumlah 267.658 181.621.075 Total
Cadangan Kerugian penurunan nilai -- -- Allowance for impairment losses
Nilai buku - neto 267.658 181.621.075 Book value - net
ASET TETAP 2.o, 15 PREMISES AND EQUIPMENT

setelah dikurangi akumulasi penyusutan net of accumulated depreciation of
sebesar Rp1.671.071.667 tahun 2021 dan Rp1,671,071,667 in 2021
Rp1.557.070.824 tahun 2020 2.843.848.815 2.985.278.945 and Rp1,557,070,824 in 2020
ASET PAJAK TANGGUHAN - NETO 2.ag, 23.d 140.464.747 141.927.639 DEFERRED TAX ASSETS - NET
ASET LAIN-LAIN - NETO 16 3.428.533.199 2.842.186.614 OTHER ASSETS - NET
JUMLAH ASET 58.899.174.319 51.241.303.583 TOTAL ASSETS
ii

2021 Annual Report
Notes 2021 2020
LIABILITAS, LIABILITIES,
DANA SYIRKAH TEMPORER TEMPORARY SYIRKAH FUNDS
DAN EKUITAS AND STOCKHOLDERS' EQUITY
LIABILITAS SEGERA 2.u, 17 1.083.107.314 120.301.440 LIABILITIES DUE IMMEDIATELY
BAGI HASIL YANG BELUM DIBAGIKAN 18 39.711.545 74.903.401 UNDISTRIBUTED REVENUE SHARING
SIMPANAN 2.v, 19 DEPOSITS

Giro wadiah Wadiah demand deposits
Jumlah 4.095.806.187 2.565.063.366 Total
Tabungan wadiah - pihak ketiga 5.580.622.214 4.794.150.614 Wadiah saving deposits - third parties
Deposito Wakalah - pihak ketiga -- -- Wakalah deposits - third parties
Jumlah 9.676.428.401 7.359.213.980 Total
SIMPANAN DARI BANK LAIN 2.w, 20 78.846.208 86.763.182 DEPOSITS FROM OTHER BANKS
EFEK EFEK YANG DIJUAL SECURITIES SOLD UNDER

DENGAN JANJI DIBELI KEMBALI 21 -- 1.302.038.601 REPURCHASE AGREEMENT
LIABILITAS AKSEPTASI 2.k, 13 25.270.423 24.949.783 ACCEPTANCES PAYABLE
PINJAMAN YANG DITERIMA 22 100.000.000 100.000.000 FUND BORROWINGS
UTANG PAJAK 23 22.048.495 27.696.283 TAXES PAYABLE
ESTIMASI KERUGIAN KOMITMEN ESTIMATED LOSSES ON COMMITMENTS

DAN KONTINJENSI 2.ag, 24 815.650 1.510.940 AND CONTINGENCIES
ESTIMASI LIABILITAS ESTIMATED LIABILITIES

IMBALAN KERJA 2.ac, 25 153.743.250 162.441.725 FOR EMPLOYMENT BENEFIT
LIABILITAS LAIN-LAIN 26 374.674.810 258.269.774 OTHER LIABILITIES
JUMLAH LIABILITAS 11.554.646.096 9.518.089.109 TOTAL LIABILITIES

Bukan bank 2x, 27 Non- banks
Giro mudharabah 2.052.623.596 1.540.646.966 Mudharabah demand deposits
Tabungan mudharabah Mudharabah savings deposits

Jumlah tabungan mudharabah 10.452.596.643 9.748.458.500 Total mudharabah savings deposits
Deposito mudharabah Mudharabah time deposits

Pihak berelasi 10.076.073.088 367.296.393 Related parties
Jumlah deposito 24.689.725.558 22.775.929.545 Total mudharabah time deposits
Jumlah dana syirkah temporer dari Total temporary syirkah funds from
bukan bank 37.194.945.797 34.065.035.011 non-banks
Bank Banks
Giro mudharabah 94.153.533 83.815.759 Mudharabah demand deposits
Tabungan mudharabah 585.513.657 486.115.850 Mudharabah savings deposits
Deposito mudharabah 958.473.062 1.169.844.681 Mudharabah time deposits
Jumlah dana syirkah temporer dari bank 1.638.140.252 1.739.776.290 Total temporary syirkah funds from banks
Surat Berharga Yang Diterbitkan Securities Issued

Sukuk mudharabah 2.440.856.000 -- Mudharabah sukuk
Sukuk mudharabah subordinasi 1.984.237.625 1.851.692.800 Subordinated mudharabah sukuk
Medium Term Notes Syariah Subordinasi 100.000.000 100.000.000 Medium Term Notes Sharia Subordinated
Jumlah Surat Berharga yang diterbitkan 4.525.093.625 1.951.692.800 Total of Securities Issued
JUMLAH DANA SYIRKAH TEMPORER 43.358.179.674 37.756.504.101 TOTAL TEMPORARY SYIRKAH FUNDS
iii

Notes 2021 2020
EKUITAS STOCKHOLDERS' EQUITY

Modal saham - nilai nominal Capital Stock - par value of
Rp 200 per saham seri A dan Rp 200 for series A shares and
Rp 100 per saham seri B Rp 100 for series B shares
Modal dasar - 826.649.175 saham Authorized - 826,649,175 series
seri A, 42.346.701.650 saham seri B dan A shares, 42,346,701,650 series B shares
40.000.000.000 saham seri C tahun 2021 and 40,000,000,000 series C shares in 2021
serta 826.649.175 saham seri A dan and 826,649,175 series A shares
42.346.701.650 saham seri B tahun 2020 and 42,346,701,650 series B shares in 2020
Modal ditempatkan dan disetor penuh Issued and fully paid -
826.649.175 saham seri A dan 826,649,175 series A shares and
9.381.053.160 saham seri B 9,381,053,160 series B shares
tahun 2021 dan 2020 1.c, 28 1.103.435.151 1.103.435.151 in 2021 and 2020
Tambahan modal disetor - bersih 29 1.578.925.257 1.578.925.257 Additional paid-in capital-net
Keuntungan pengukuran kembali program Gain from remeasurement
imbalan pasti - setelah pajak 25 78.081.619 69.500.506 of defined benefit plan - net of tax
Keuntungan (kerugian) belum direalisasi dari Unrealized gain (loss) from changes
perubahan harga pasar efek tersedia in fair value of available
untuk dijual (AFS) 7 2.003.172 (126.840) for sale Securities (AFS)
Surplus revaluasi atas aset tetap - Revalution surplus on premises
setelah pajak 16 576.915.177 633.754.128 and equipment - net of tax
Saldo laba 30 646.988.173 581.222.171 Retained earnings
Jumlah Ekuitas 3.986.348.549 3.966.710.373 Total Stockholders' Equity
JUMLAH LIABILITAS, TOTAL LIABILITIES,

DAN EKUITAS 58.899.174.319 51.241.303.583 AND STOCKHOLDERS' EQUITY
8.581.113 8.581.113
-
2.130.012 2.130.012
0
-
iv
2021 Annual Report
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAINNYA OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
PADA TANGGAL 31 DESEMBER 2021 AS OF DECEMBER 31, 2021
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Indonesian Rupiah,
kecuali laba bersih per saham dasar) except share data)
Notes 2021 2020
PENDAPATAN PENGELOLAAN DANA REVENUE FROM FUND

OLEH BANK SEBAGAI MUDHARIB 31 MANAGEMENT AS MUDHARIB
Pendapatan dari penjualan 830.746.567 1.164.309.103 Income from sales
Pendapatan dari bagi hasil 970.066.086 998.198.620 Income from revenue sharing
Pendapatan dari ijarah - bersih 2.910.981 3.025.155 Income from revenue from Ijarah - net
Pendapatan usaha utama lainnya 336.066.706 266.074.567 Other main operating income
Jumlah pendapatan bank sebagai Total revenue from fund
mudharib 2.139.790.340 2.431.607.445 management as mudharib
HAK PIHAK KETIGA ATAS BAGI HASIL THIRD PARTIES' SHARE ON RETURNS
DANA SYIRKAH TEMPORER 32 (1.386.516.036) (1.610.047.423) OF TEMPORARY SYIRKAH FUNDS
HAK BAGI HASIL MILIK BANK 753.274.304 821.560.022 BANK'S SHARE IN REVENUE SHARING
PENDAPATAN OPERASIONAL LAINNYA 33 583.694.903 574.640.428 OTHER OPERATING INCOME
BEBAN OPERASIONAL OPERATING EXPENSES

Umum dan administrasi 35 (515.829.436) (568.216.379) General and administrative
Karyawan 34 (685.063.340) (703.031.794) Employee
Bonus giro wadiah (21.390.798) (7.093.553) Bonus on wadiah demand deposits
Lain-lain 37 (103.329.365) (67.133.565) Others
Jumlah beban usaha (1.325.612.939) (1.345.475.291) Total other operating expenses
PEMBALIKAN (BEBAN) CADANGAN KERUGIAN REVERSAL (PROVISION) FOR IMPAIRMENT

DAN NON PRODUKTIF 36 (16.032.681) (64.413.824) NON-EARNING ASSETS
KEUNTUNGAN SELISIH KURS 24.154.776 30.081.048 GAIN ON FOREIGN EXCHANGES
LABA USAHA 19.478.363 16.392.383 INCOME FROM OPERATIONS
PENDAPATAN (BEBAN) NON

OPERASIONAL NON-OPERATING INCOME (EXPENSE)
Pendapatan Non Operasional 38 27.755.289 15.144.725 Non-Operating Revenue
Beban Non Operasional 39 (34.719.912) (16.519.073) Non-Operating Expense
PENDAPATAN (BEBAN) NON OPERASIONAL- NETO (6.964.623) (1.374.348) NON-OPERATING (EXPENSE) - NET
LABA SEBELUM PAJAK 12.513.740 15.018.035 INCOME BEFORE INCOME TAX
MANFAAT (BEBAN) PAJAK 23 INCOME TAX BENEFIT (EXPENSE)

Pajak Kini (5.109.109) (3.373.257) Current Tax
Pajak Tangguhan 1.522.420 (1.625.039) Deferred Tax
(3.586.689) (4.998.296)
LABA BERSIH 8.927.051 10.019.739 NET INCOME
PENGHASILAN KOMPREHENSIF LAIN OTHERS COMPREHENSIVE INCOME

Akun-akun yang tidak akan Item that will not be reclassified
direklasifikasikan ke laba rugi to profit or loss
Pengukuran kembali atas program Remeasurement on defined
imbalan pasti 25 11.001.427 12.146.037 benefit plan
Pajak penghasilan terkait (2.420.314) (2.672.128) Related income tax
Akun-akun yang akan Item that will be reclassified
direklasifikasi ke laba rugi to profit or loss
Kenaikan nilai aset keuangan atas
efek-efek yang tersedia dijual Unrealized gain in value of
yang belum direalisasi 7 2.730.785 12.869.793 available-for-sale mutual fund
Pajak penghasilan terkait (600.773) (2.831.354) Related income tax
Jumlah laba komprehensif lain Total other comprehensive income
bersih setelah pajak 10.711.125 19.512.348 net of tax
JUMLAH LABA KOMPREHENSIF TOTAL COMPREHENSIVE
TAHUN BERJALAN 19.638.176 29.532.087 INCOME FOR THE YEAR
LABA PER SAHAM DASAR 0,87 0,98 BASIC EARNINGS PER SHARE
(dalam nilai penuh) (In full amount)
Catatan atas Laporan Keuangan merupakan bagian yang 10.207.702 10.207.702 The accompanying Notes to Financial Statements
v
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Indonesian Rupiah,
Penghasilan komprehensif lain/Other comprehensive income

Surplus
Pengukuran revaluasi
kembali program atas aset tetap - Revaluasi efek
imbalan pasti - setelah pajak tersedia untuk
setelah pajak bersih/ dijual Saldo laba /
Modal bersih/ Surplus setelah pajak Retained earnings
ditempatkan dan Tambahan modal Remeasurement revaluation on bersih/ Ditentukan Belum Ditentukan
disetor penuh/ disetor/ of defined premises and AFS investment penggunaannya/ penggunaannya/
Catatan/ Issued and Additional paid-in benefit plan - equipment - revaluation - Appropriated Unappropriated Jumla Ekuitas/
Notes Fully paid capital capital net of tax net of tax net of tax Total equity
Saldo per 31 Desember 2019 1.103.435.151 1.578.925.257 60.026.597 690.593.079 (10.165.278) -- 514.363.481 3.937.178.287 Balance as of December 31, 2019
Laba belum direalisasi atas

surat berharga yang tersedia Unrealized gain on marketable securities
untuk dijual -- -- -- -- 10.038.438 ---- -- 10.038.438 of available for sale
Revaluation surplus on premises
Pemindahan penyusutan Depreciation transfer for premises
aset tetap -- -- -- (56.838.951) ---- -- 56.838.951 -- and equipment
Pengukuran kembali Remeasurement of defined
program imbalan pasti -- -- 9.473.909 ---- ---- ---- -- 9.473.909 benefit plan
Laba bersih tahun berjalan -- -- ---- ---- ---- -- 10.019.739 10.019.739 Net income for the year
Saldo per 31 Desember 2020 1.103.435.151 1.578.925.257 69.500.506 633.754.128 (126.840) -- 581.222.171 3.966.710.373 Balance as of December 31, 2020
Laba belum direalisasi atas

surat berharga yang tersedia Unrealized gain on marketable securities
untuk dijual -- -- -- -- 2.130.012 -- -- 2.130.012 of available for sale
Revaluation surplus on premises
Pemindahan penyusutan Depreciation transfer for premises
aset tetap -- -- -- (56.838.951) -- -- 56.838.951 -- and equipment
Pengukuran kembali Remeasurement of defined
program imbalan pasti -- -- 8.581.113 -- -- -- - 8.581.113 benefit plan
Laba bersih tahun berjalan -- -- -- -- -- -- 8.927.051 8.927.051 Net income for the year
Saldo per 31 Desember 2021 1.103.435.151 1.578.925.257 78.081.619 576.915.177 2.003.172 - 646.988.173 3.986.348.549 Balance as of December 31, 2021
vi

2021 Annual Report
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
(Disajikan dalam ribuan Rupiah) (Expressed in thousands of Indonesian Rupiah)
Notes 2021 2020
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM OPERATING

OPERASI ACTIVITIES
Penerimaan pendapatan pengelolaan dana oleh Revenue receipt from fund management
Bank sebagai mudharib 1.849.961.446 2.148.690.132 as mudharib
Pembayaran bagi hasil dana syirkah temporer (1.312.687.780) (1.611.437.404) Payment of temporary syirkah funds
Penerimaan pendapatan operasional lainnya 593.823.823 572.646.105 Receipt from other operating revenue
Penerimaan kembali piutang dan pembiayaan Receipt from receivables and
yang telah dihapusbukukan 954.894 49.461.238 and financing already written-off
Pembayaran beban kepegawaian (651.047.226) (694.209.165) Payments for employee expenses
Pembayaran beban operasional lainnya (616.788.630) (512.315.944) Payments for other operating expenses
Pembayaran pajak penghasilan (7.221.197) (54.533.794) Payments of income taxes
Penerimaan pendapatan non operasional 2.777.577 15.144.725 Receipts from non operating income
Pembayaran beban non operasional (24.359.044) (16.519.072) Payments for non operating expenses
Arus kas dari operasi sebelum Cash flows from operating activities before changes in
perubahan aktiva dari kewajiban operasi (164.586.138) (103.073.179) operating assets and liabilities
Penurunan (kenaikan) aktiva operasi : Decrease (increase) in operating assets:

Penempatan Bank Lain (30.375) 34.555.325 Placements with Bank Indonesia & other banks
Piutang 5.069.409.672 1.264.011.362 Receivables
Pinjaman Qardh 211.271.501 (305.966.814) Fund of Qardh
Pembiayaan Mudharabah 96.522.800 134.939.360 Mudharabah financing
Pembiayaan Musyarakah 5.445.911.609 (269.275.386) Musyarakah financing
Aktiva yang diperoleh untuk Ijarah - bersih 181.353.418 (1.100.646) Assets acquired for Ijarah - net
Aktiva lain-lain (171.469.594) 10.171.676 Other assets
Kenaikan (penurunan) kewajiban operasi : Increase (decrease) in operating liabilities:
Liabilitas segera 1.043.005.545 95.182.442 liabilities due immidiately
Simpanan 2.317.214.421 355.457.804 Deposits
Simpanan dari bank lain (7.916.974) (30.552.050) Deposits from other banks
Utang pajak (8.877.378) (6.568.448) Taxes payable
Liabilitas lain-lain (1.593.318.138) (465.637.313) Other liabilities
Kenaikan Dana Syirkah Temporer 5.469.130.748 362.473.914 Increase of Temporary Syirkah Funds
Arus Kas Bersih Diperoleh (Digunakan) Net Cash Provide (Used)
untuk Aktivitas Operasi 17.887.621.117 1.074.618.047 in Operating Activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM INVESTING

INVESTASI ACTIVITIES
Perolehan investasi pada surat berharga (15.700.576.958) (479.428.741) Acquisition of securities
Hasil penjualan investasi pada surat berharga 270.847.146 257.508.747 Proceeds from sale of securities
Hasil penjualan aset tetap 1.440.915 22.843.112 Proceeds from sale of premises and equipment
Pembelian aset tetap (14.382.061) (26.214.995) Acquisition of premises and equipment
Arus Kas Bersih Diperoleh (Digunakan) Net Cash Provide (Used)
untuk Aktivitas Investasi (15.442.670.957) (225.291.877) in Investing Activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM FINANCING

PENDANAAN ACTIVITIES
Pencairan (Penempatan) sertifikat Proceed from (acquicition of)
investasi mudharabah -- (245.000.000) interbank mudharabah investment
Penerbitan sukuk mudharabah 2.440.856.000 -- Receipt from sukuk mudharabah
Penerimaan pinjaman diterima -- 100.000.000 Receipt from fund borrowing
Pembayaran pinjaman diterima -- (250.000.000) Payment of fund borrowing
Pembayaran utang dividen -- (7.106) Payments of dividend liabilities
Penerimaan REPO -- 6.433.300.000 Payment from REPO
(Pencairan) REPO (1.302.086.987) (6.470.900.000) Proceed from REPO
Arus Kas Bersih Diperoleh (Digunakan) dari Net Cash Provided (Used) by
Aktivitas Pendanaan 1.138.769.013 (432.607.106) Financing Activities
KENAIKAN (PENURUNAN) BERSIH KAS DAN NET INCREASE (DECREASE) IN CASH AND
SETARA KAS 3.583.719.173 416.719.064 CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
PADA AWAL TAHUN 4.065.300.346 3.648.581.282 AT BEGINNING OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
PADA AKHIR TAHUN 7.649.019.519 4.065.300.346 END OF YEAR
Kas dan Setara Kas Akhir Tahun Cash and Cash Equivalents at end of year
terdiri dari: consist of:
Kas 3 745.190.145 732.760.187 Cash
Giro dan Penempatan pada Bank Indonesia 4 6.502.230.839 2.835.513.916 Current Accounts and Placements with Bank Indonesia
Giro pada bank lain 5 397.510.597 492.968.680 Demand deposits with other banks
Penempatan pada Bank Lain 6 4.087.938 4.057.563 Placements with other banks
Jumlah 7.649.019.519 4.065.300.346 Total
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan are an integral part of the consolidated financial statements
628 PT Bank Muamalat Indonesia Tbk vii

LAPORAN REKONSILIASI PENDAPATAN INTERIM STATEMENT OF RECONCILIATION
DAN BAGI HASIL OF INCOME AND REVENUE SHARING
Notes 2021 2020
PENDAPATAN USAHA
UTAMA (AKRUAL) 2.236.978.866 2.431.607.445 MAIN OPERATING INCOME (ACCRUAL)
PENGURANG DEDUCTION
Pendapatan tahun berjalan yang Income during the year in which
kas atau setara kasnya cash or cash equivalents
belum diterima dari: have not been received from:
Piutang murabahah 173.708.526 299.613.010 Murabahah receivables
Piutang ijarah 2.676.630 765.805 Ijarah receivables
Pembiayaan mudharabah 5.484 61.680 Mudharabah financing
Pembiayaan musyarakah 292.263.837 247.189.750 Musyarakah financing
Pendapatan Surat Berharga Income from Marketable Securities
Bank Indonesia -- 549.894 Bank Indonesia
Surat berharga 3.922.023 7.875.761 Marketable securities
Jumlah 472.576.499 556.055.899
PENAMBAH ADDITION
Pendapatan tahun sebelumnya yang Income from previous year in
kasnya diterima pada tahun which cash have been
berjalan dari: received in current year from:
Piutang murabahah 299.612.600 55.426.982 Murabahah receivables
Piutang ijarah 765.805 842.000 Ijarah receivables
Pembiayaan mudharabah 61.680 6.924.607
Pembiayaan musyarakah 247.189.750 177.547.599 Musyarakah financing
Surat berharga -- -- Marketable securities
Pendapatan Surat Berharga Income from Marketable Securities
Bank Indonesia 549.894 588.452 Bank Indonesia
Surat berharga 7.875.761 39.608.305 Income from Sukuk
Jumlah 556.055.490 280.937.945 Total
Laba operasi yang tersedia Available operating income for

untuk bagi hasil 2.320.457.857 2.156.489.491 profit sharing
PENDAPATAN TERSEDIA UNTUK AVAILABLE INCOME FOR

BAGI HASIL PROFIT SHARING
Bagi hasil yang menjadi hak Bank Syariah 933.941.821 546.442.068 Profit sharing attributable to Sharia Bank
Bagi hasil yang menjadi hak pemilik dana 32 1.386.516.036 1.610.047.423 Profit sharing attributable to depositors
Dirinci atas: The details are as follow:
Hak pemilik dana atas bagi hasil Distributed profit sharing attributable
yang sudah didistribusikan 1.346.804.491 1.535.144.022 to depositors
Hak pemilik dana atas bagi hasil Undistributed revenue sharing
yang belum didistribusikan 18 39.711.545 74.903.401 attributable to depositors
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan are an integral part of the consolidated financial statements
viii

2021 Annual Report
LAPORAN SUMBER DAN PENYALURAN STATEMENT OF SOURCES AND DISTRIBUTION
DANA ZAKAT OF ZAKAT FUNDS
Notes 2021 2020
Sumber Dana Zakat Sources of Zakat Funds

Internal Bank 250.494 408.158 Internal Bank
Eksternal Bank 7.946.364 9.885.254 External Bank
8.196.858 10.293.412
Penyaluran Dana Zakat Distribution of Zakat Funds
Baitul Maal Muamalat (BMM) 8.196.858 10.293.412 Baitul Maal Muamalat (BMM)
Dompet Dhuafa -- -- Dompet Dhuafa
BAZNAS -- -- BAZNAS
8.196.858 10.293.412
Surplus -- -- Surplus
Sumber Dana Zakat pada Sources of Zakat Funds

Awal Tahun -- -- at Beginning of the Year
Sumber Dana Zakat pada Sources of Zakat Funds

Akhir Tahun -- -- at End of the Year
630 PT Bank Muamalat Indonesia Tbk ix

LAPORAN SUMBER DANA DAN STATEMENTS OF SOURCES AND USES
PENGGUNAAN DANA KEBAJIKAN OF QARDHUL HASAN FUNDS
Catatan/ December 31, December 31,
Notes 2021 2020
Sumber Dana Kebajikan Sources of Qardhul Hasan Funds

Denda -- -- Penalty
Pendapatan non-halal 5b 637.176 360.556 Non-halal income
637.176 360.556
Penggunaan Dana Kebajikan Uses of Qardhul Hasan Funds
Sumbangan 637.176 360.556 Donation
Surplus -- -- Surplus
Dana Kebajikan pada Qardhul Hasan Funds

Awal Tahun 2a -- -- at Beginning of the Year
Dana Kebajikan pada Qardhul Hasan Funds

Akhir Tahun 2a -- -- at End of the Year

x 2021 Annual Report
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Tanggal 31 Desember 2021 As of December 31, 2021
Dan Untuk Tahun Yang Berakhir Pada Tanggal Tersebut And For The Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in thousands of Rupiah,
1. UMUM 1. GENERAL
a. Pendirian Bank dan Informasi Umum a. Bank’s Establishment and General

Information
PT Bank Muamalat Indonesia Tbk ("Bank”) PT Bank Muamalat Indonesia Tbk (the “Bank”)
didirikan berdasarkan akta No. 1 tanggal was established based on notarial deed No. 1
1 November 1991 dari Notaris Yudo Paripurno, dated November 1, 1991 of Yudo Paripurno, S.H.,
S.H., notaris di Jakarta. Akta pendirian tersebut notary in Jakarta. The deed of establishment was
telah disahkan oleh Menteri Kehakiman Republik approved by the Minister of Justice in his Decree
Indo n es ia den gan S u rat Keputusan No.C2.2413.HT.01.01.Th.92 dated March 21,
No.C2.2413.HT.01.01.Th.92 tanggal 21 Maret 1992 and was published in Supplement No. 34 to
1992 dan telah diumumkan dalam Berita Negara the State Gazette No.1919A of 1992, dated
Republik Indonesia No. 1919A Tahun 1992, April 28, 1992.
tambahan Berita Negara No. 34 tanggal 28 April
1992.
Bank telah mengalami perubahan nama The Bank changed its name from PT Bank
yang semula PT Bank Syariah Muamalat Syariah Muamalat Indonesia Tbk to PT Bank
Indonesia Tbk menjadi PT Bank Muamalat Muamalat Indonesia Tbk based on notarial deed
Indonesia Tbk sesuai dengan akta No. 104 No. 104 dated November 12, 2008 of Arry
tanggal 12 November 2008 dari notaris Arry Supratno, S.H., notary in Jakarta. The deed was
Supratno, S.H., notaris di Jakarta. Akta approved by the Minister of Law and Human
pernyataan keputusan rapat itu telah Rights of the Republic of Indonesia in his
disetujui oleh Menteri Hukum dan Hak Asasi Decree No. AHU-98507.AH.01.02.Th.08 dated
Manusia Republik Indonesia dengan surat December 22, 2008 and has been recorded in the
keputusan No.AHU-98507.AH.01.02.Th.08 administration of Bank Indonesia Supervisory
tanggal 22 Desember 2008 dan telah dicatat since September 1, 2009.
dalam tata usaha pengawasan Bank Indonesia
sejak 1 September 2009.
Anggaran dasar Bank mengalami perubahan, The Bank’s articles of association have been
berdasarkan akta dari Fathiah Helmi, S.H., No. 23 amended with Deed of Fathiah Helmi, S.H.,
tanggal 12 Desember 2013 notaris di Jakarta notary in Jakarta, No.23 dated December 12,
mengenai pengeluaran saham dalam simpanan 2013, concerning the issuance of shares through
dengan cara Penawaran Umum Terbatas (PUT V) Limited Public Offering (Rights Issue V) to
kepada pemegang saham dengan Hak Memesan existing shareholders with pre-emptive rights and
Efek Terlebih Dahulu (HMETD) dan persetujuan guarantee approval of Bank’s assets with value of
penjaminan aset Bank dengan nilai lebih 50% more than 50% of the Bank’s net worth. The
dari kekayaan bersih Bank. Perubahan tersebut latest amendment was approved by the Minister
telah disetujui oleh Menteri Hukum dan Hak Asasi of Law and Human Rights of the Republic of
Manusia Republik Indonesia dengan Surat Indonesia in his decree
Keputusan No.AHU-0123658.AH.01.09 tanggal No.AHU-0123658.AH.01.09 dated December 23,
23 Desember 2013. 2013.
Anggaran dasar Bank telah mengalami beberapa The Bank's articles of association have been
kali perubahan, terakhir berdasarkan akta dari amended several times, the latest was based on
Ashoya Ratam, S.H., M.Kn., No. 51 tanggal the deed No. 51 dated August 30, 2021 of
30 Agustus 2021 notaris di Jakarta mengenai Ashoya Ratam, S.H., M.Kn., notary in Jakarta,
kenaikan Modal Dasar Perseroan sehingga concerning the increase of the Company's
menjadi Rp5.600.000.000 sehingga Modal Dasar Authorized Capital to become Rp5,600,000,000
serta Modal Ditempatkan dan Disetor Perseroan so that the Authorized Capital, the Issued and
memenuhi ketentuan pasal 33 ayat (1) dan Paid-in Capital of the Company comply with the
(2) UU PT. provisions of article 33 paragraphs (1) and (2) of
the Corporate Law.
Kantor pusat Bank berlokasi di Muamalat Tower, The Bank's head office is located at Muamalat
Jln. Prof. Dr. Satrio Kav. 18, Jakarta. Tower, Jln. Prof. Dr. Satrio Kav. 18, Jakarta.
-1-
1. UMUM (Lanjutan) 1. GENERAL (Continued)
a. Pendirian Bank dan Informasi Umum a. Bank’s Establishment and General

(lanjutan) Information (continued)
Pada tanggal-tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020, Bank has
2020, Bank memiliki jaringan unit kerja dengan business unit network with details as follows:
rincian sebagai berikut: (tidak diaudit) (unaudited)
31 Desember/ 31 Desember/
December 31, December 31,
2021 2020
Kantor Cabang 80 83 Branch Offices

Kantor Cabang Pembantu 131 139 Sub-Branch Offices
Kantor Kas 29 39 Cash Offices
Sesuai dengan pasal 3 anggaran dasar Bank yang In accordance with article 3 of the Bank's latest
terakhir, maksud dan tujuan kegiatan Bank articles of association, the scope of its activities
adalah menyelenggarakan usaha perbankan is to engage in banking activities based on
dengan prinsip Syariah. Islamic Sharia principles.
Bank telah memperoleh izin untuk beroperasi The Bank has obtained a license to operate as a
sebagai bank umum berdasarkan Surat commercial bank based on the Decree of the
Keputusan Menteri Keuangan Republik Indonesia Minister of Finance of the Republic of Indonesia
No. 430/KMK.013/1992 tentang Pemberian Izin No. 430/KMK.013/1992 concerning the Granting
Usaha Perseroan di Jakarta tanggal 24 April of the Company's Business Permit in Jakarta on
1992, sebagaimana diubah dengan Surat April 24, 1992, as amended by the Decree of the
Keputusan Menteri Keuangan Minister of Finance No. 131/KMK.017/1995
No.131/KMK.017/1995 tentang Perubahan concerning Amendment to Decree of the Minister
Keputusan Menteri Keuangan of Finance No. 430/KMK.013/1992 concerning
No.430/KMK.013/1992 tentang Pemberian Izin the Granting of the Company's Business Permit
Usaha Perseroan tanggal 30 Maret 1995 yang dated March 30, 1995 which in its decision gave
dalam keputusannya memberikan izin kepada permission to the Bank to be able to conduct
Bank untuk dapat melakukan usaha sebagai bank business as a commercial bank based on sharia
umum berdasarkan prinsip syariah. Sesuai Surat principles. In accordance with the Decree of Bank
Keputusan Bank Indonesia No. 27/76/KEP/DIR Indonesia No.27/76/KEP/DIR dated October 27,
tanggal 27 Oktober 1994, status Bank meningkat 1994, the status of the Bank was upgraded to
menjadi bank devisa. foreign exchange bank.
Pemegang saham mayoritas Bank adalah Badan The majority shareholder of the Bank is Badan
Pengelola Keuangan Haji (BPKH) Republik Pengelola Keuangan Haji (BPKH) Republik
Indonesia. Indonesia.
Bank mendirikan Yayasan Baitul Maal Muamalat The Bank established Baitul Maal Muamalat
yang pendiriannya diaktakan dalam akta Notaris Foundation based on notarial deed No. 76 dated
Atrino Leswara, S.H., No. 76 tanggal December 22, 2000 of Atrino Leswara, S.H. One
22 Desember 2000. Salah satu unit usaha of the business units under this foundation is the
yayasan tersebut adalah Lembaga Amil Zakat Zakat Management Board (Lembaga Amil Zakat),
(LAZ) yang telah disahkan sebagai Badan which was approved to operate as a National
Amil Zakat Nasional (BAZNAS) pada tanggal Zakat Management Board (Badan Amil Zakat
7 November 2001. Tujuan pendirian Baitul Maal Nasional) on November 7, 2001. The objective of
Muamalat ini adalah untuk mendorong the establishment of Baitul Maal Muamalat is to
terwujudnya manajemen zakat, infaq dan accelerate the effective management of zakat,
shadaqah yang lebih efektif sebagai cerminan infaq, and shadaqah. The zakat and charity funds
kepedulian sosial. Bank menyalurkan (Qardhul Hasan funds) received by the Bank are
penerimaan zakat dan dana kebajikan channeled to the Zakat Management Board,
(Qardhul Hasan) kepada Lembaga Amil Zakat therefore, the Bank is not directly involved in the
tersebut, sehingga Bank tidak secara langsung management of zakat, infaq, shadaqah and
menjalankan fungsi pengelolaan dana zakat, qardhul hasan funds.
infaq dan shadaqah dan dana qardhul hasan.
-2-
2021 Annual Report
b. Dewan Komisaris, Direksi, Dewan b. Board of Commissioners, Board of

Pengawas Syariah, Komite Audit dan Directors, Sharia Supervisory Board, Audit
Karyawan Committee and Employees
Susunan Dewan Komisaris pada tanggal 31 The composition of the Bank’s Board of
Desember 2021 dan 2020 ditetapkan Commissioners as of December 31, 2021 and
berdasarkan Akta Pernyataan Keputusan Rapat 2020 was determined based on Deed of
Umum Pemegang Saham Tahunan (RUPS) Resolution of the Bank’s Annual General Meeting
PT Bank Muamalat Indonesia Tbk No.29 tanggal of Shareholders No.29 dated May 17, 2019, of
17 Mei 2019 Notaris Utiek R. Abdurachman, S.H., Notary Utiek R. Abdurachman, S.H., M.Li., M.Kn.
M.Li., M.Kn. Rincian Susunan Dewan Komisaris Details of the Composition of the Board of
adalah sebagai berikut: Commissioners are as follows:
31 Desember 2021 dan 2020 /

December 31, 2021 and 2020
Dewan Komisaris Board of Commissioners
Komisaris Utama President Commissioner
(Independen) Ilham Akbar Habibie (Independent)
Komisaris (Independen) Iggi Haruman Achsien Commissioner (Independent)
Komisaris (Independen) Edy Setiadi Commissioner (Independent)
Komisaris Mohamed Hedi Mejai* Commissioner
Komisaris Abdulsalam Mohammad Joher Al-Saleh* Commissioner
*) Efektif setelah mendapat persetujuan Fit and *) Effective after passing the Fit and Proper Test
Proper Test dari Otoritas Jasa Keuangan. by the Financial Services Authority.
Susunan Dewan Direksi pada tanggal 31 The composition of the Bank's Board of Directors
Desember 2021 dan 2020 ditetapkan as of December 31, 2021 and 2020 was
berdasarkan Akta Pernyataan Keputusan Rapat determined based on Deed of Resolution of the
Umum Pemegang Saham Luar Biasa (RUPSLB) Bank's Extraordinary General Meeting of
PT Bank Muamalat Indonesia Tbk No.29 tanggal Shareholders No.29 dated May 17, 2019, of
17 Mei 2019 Notaris Utiek R. Abdurachman, S.H., Notary Utiek R. Abdurachman, S.H., M.Li., M.Kn.
M.Li., M.Kn. Rincian Susunan Dewan Direksi Details of the Composition of the Board of
adalah sebagai berikut: Directors are as follows:

Dewan Direksi Board of Directors

Direktur Utama Achmad Kusna Permana President Director
Direktur Purnomo Budiwibowo Soetadi Director
Direktur Hery Syafril Director
Direktur Andri Donny Director
Direktur Awaldi Director
Direktur Avianto Istihardjo Director
Susunan Dewan Pengawas Syariah Bank pada The composition of the Bank’s Sharia Supervisory
tanggal 31 Desember 2021 ditetapkan Board as of December 31, 2021 was based on
berdasarkan Akta Pernyataan Keputusan Rapat Deed of Resolution of the Bank’s Extraordinary
Umum Pemegang Saham Luar Biasa PT Bank General Meeting of Shareholders No.51 dated
Muamalat Indonesia Tbk No.51 tanggal 30 August 30, 2021, of Notary Ashoya Ratam, S.H.,
Agustus 2021, Notaris Ashoya Ratam, S.H., M.Kn, M.Kn, and as of December 31, 2020 was based
sedangkan 31 Desember 2020 ditetapkan on Deed of Resolution of the Bank’s
berdasarkan Akta Pernyataan Keputusan Rapat Extraordinary General Meeting of Shareholders
Umum Pemegang Saham Luar Biasa PT Bank No.80 dated December 16, 2019, of Notary
Muamalat Indonesia Tbk No.80 tanggal 16 Ashoya Ratam, S.H., M.Kn. Details of the
Desember 2019, Notaris Ashoya Ratam, S.H., Composition of the Sharia Supervisory Board are
M.Kn. Rincian Susunan Dewan Pengawas Syariah as follows:
-3-
b. Dewan Komisaris, Direksi, Dewan b. Board of Commissioners, Board of

Pengawas Syariah, Komite Audit dan Directors, Sharia Supervisory Board, Audit
Karyawan (lanjutan) Committee and Employees (continued)
31 Desember 2021/ 31 Desember 2020/

December 31, 2021 December 31, 2020
Dewan Pengawas Sharia Supervisory

Syariah Board
Ketua Drs. H. Sholahudin Al Aiyub, M.Si. Drs. H. Sholahudin Al Aiyub, M.Si. Chairman
Anggota Hj. Siti Haniatunnisa LLB., MH. Hj. Siti Haniatunnisa LLB., MH. Member
Anggota Dr. H. Agung Danarto, M.Ag -- Member
Susunan Komite Audit Bank pada tanggal The composition of the Bank’s Audit Committee as
31 Desember 2021 dan 2020 ditetapkan of December 31, 2021 and 2020 based on Decision
berdasarkan Surat Keputusan No.032/B/DIR- Letter No.032/B/DIR-KPTS/XII/2019 dated
KPTS/XII/2019 tanggal 5 Desember 2019 adalah December 5, 2019 is as follows:
sebagai berikut:

Ketua Iggi Haruman Achsien Chairman

Anggota Tindomora Siregar Member
Anggota Dwi Sasongko Member
Kepala Divisi Internal Audit Bank pada tanggal The Bank’s Head of Internal Audit Division as of
31 Desember 2021 adalah Riva Yan Abdillah December 31, 2021 is Riva Yan Abdillah in
sesuai Surat Keputusan Direksi Bank accordance with the Decision Letter of the
No.003/DIR/KPTS/I/2021 tanggal 28 Januari Directors of the Bank No.003/DIR/KPTS/I/2021
2021, sedangkan Kepala Divisi Internal Audit dated January 28, 2021, and as of December 31,
Bank pada tanggal 31 Desember 2020 adalah 2020 the Bank’s Head of Internal Audit Division is
Ridwan Moenzir sesuai Surat Keputusan Direksi Ridwan Moenzir in accordance with the Decision
Bank No.001/DIR/KPTS/I/2019 tanggal 31 Letter of the Directors of the Bank
Januari 2019. No.001/DIR/KPTS/I/2019 dated January 31, 2019.
Sekretaris Perusahaan pada tanggal 31 Desember The Bank’s Corporate Secretary as of

2021 dan 2020 adalah Hayunaji sesuai Surat December 31, 2021 and 2020 is Hayunaji based on
Keputusan Direksi No.218/HCE/PKWTT/IX/2018 the Decision Letter of the Directors of the Bank
tanggal 6 September 2018. No.218/HCE/PKWTT/IX/2018 dated September 6,
2018.
Gaji dan kompensasi lainnya yang dibayarkan Salaries and other compensation paid to the Board
kepada Dewan Komisaris, Direksi, Dewan of Commissioners, Board of Directors, Sharia
Pengawas Syariah dan Komite Audit untuk tahun Supervisory Board and Audit Committee for the
yang berakhir pada 31 Desember 2021 dan 2020 years ended December 31, 2021 and 2020 are
dijelaskan pada catatan 34. described in note 34.
Pada tanggal 31 Desember 2021 dan 2020, Bank As of December 31, 2021 and 2020, the Bank has
masing-masing memiliki 3.997 orang karyawan 3,997 employees (2,644 permanent employees, 56
(2.644 karyawan tetap, 56 karyawan kontrak dan temporary employees and 1,297 contrctual
1.297 tenaga kerja borongan dan 4.279 orang workers) and 4,279 employees (2,914 permanent
(2.914 karyawan tetap, 54 karyawan kontrak dan employees, 54 temporary employees and 1,311
1.311 tenaga kerja borongan) (tidak diaudit). contractual workers), respectively (unaudited).
-4-
2021 Annual Report
c. Penawaran Umum Saham, Obligasi c. Bank's Public Offering of Shares,

Syariah I Subordinasi dan Sukuk Subordinated Sharia I Bonds and
Subordinasi Mudharabah Subordinated Mudharabah Sukuk
Penawaran Umum Saham Bank's Public Offering of Shares
Pada tahun 1993, Bank melakukan Penawaran In 1993, the Bank conducted an initial public
Umum saham sejumlah 2.489.090 saham dengan offering of 2,489,090 shares with a par value of
nilai nominal Rp1.000 (dalam nilai penuh) per Rp1,000 (in full amount) per share. The Bank
saham. Bank telah mendapatkan surat obtained the notice of effectivity for the initial
pernyataan efektif sebagai perusahaan publik public offering from the chairman of the Capital
melalui surat ketua Badan Pengawas Pasar Modal Market Supervisory Agency (BAPEPAM) under his
(BAPEPAM) dengan No.S-1860/PM/1993 tanggal letter No.S-1860/PM/1993 dated October 28,
28 Oktober 1993. 1993.
Berdasarkan Rapat Umum Pemegang Saham Based on the Extraordinary General Meeting of
Luar Biasa Bank yang tercantum dalam akta Shareholders as stated in notarial deed No. 45 of
Notaris Yudo Paripurno, S.H., No. 45, tanggal Yudo Paripurno, S.H., dated June 22, 1998, the
22 Juni 1998, para pemegang saham telah shareholders approved the issuance of
menyetujui untuk menerbitkan saham baru Seri 172,504,936 B Series shares at an offering price
B sebanyak 172.504.936 saham dengan harga of Rp1,025 (in full amount) per share through
penawaran Rp1.025 (dalam nilai penuh) per Rights Issue I with preemptive rights. The Bank
saham, melalui Penawaran Umum Terbatas I obtained the notice of effectivity for the rights
dengan Hak Memesan Efek Terlebih Dahulu issue from the Chairman of the Capital Market
(Rights Issue). Penawaran Umum Terbatas I Supervisory Agency (BAPEPAM) under his letter
dengan Hak memesan Efek Terlebih Dahulu ini No.S-1265/PM/98 dated June 19, 1998.
telah dinyatakan efektif oleh Ketua BAPEPAM
dengan suratnya No.S-1265/PM/98 pada tanggal
19 Juni 1998.
Luar Biasa yang tercantum dalam akta Notaris Shareholders as stated in notarial deed No. 28 of
Yudo Paripurno, S.H., No. 28 tanggal 29 Oktober Yudo Paripurno, S.H., dated October 29, 2002,
2002, para pemegang saham menyetujui the shareholders approved the increase of issued
peningkatan modal ditempatkan dan disetor and paid-in capital through the issuance of up to
penuh melalui Penawaran Umum Terbatas a maximum of 276,975,502 C Series shares
(PUT) II saham Seri C sebanyak-banyaknya amounting to Rp138,487,781 through Limited
276.975.502 saham, senilai Rp138.487.781 Public Offering with pre-emptive rights (Rights
melalui proses Hak Memesan Efek Terlebih Issue) II.
Dahulu (Rights Issue) II.
Jumlah saham Seri C yang terjual melalui PUT II The shareholders exercised their rights to acquire
ini sebesar 208.727.863 lembar saham dengan additional 208,727,863 C Series shares with par
harga saham Rp500 (dalam nilai penuh). value of Rp500 (in full amount) per share during
the Rights Issue II.
Sehubungan dengan peningkatan modal disetor As a result of the increase in the paid-in capital,
tersebut, anggaran dasar pasal 4 telah diubah article 4 of the articles of association was
seperti dinyatakan dalam akta Notaris Yudo amended, as stated in notarial deed No. 19 dated
Paripurno, S.H., No. 19 tanggal 21 Mei 2003. May 21, 2003 of Yudo Paripurno, S.H. The Bank
Penawaran Umum Terbatas II dengan Hak obtained the notice of effectivity for the Limited
Memesan Efek Terlebih Dahulu telah dinyatakan Public Offering with pre-emptive rights (Rights
efektif oleh Ketua BAPEPAM dengan Issue) II from the Chairman of the Capital Market
suratnya No. S-24668/PM/2002 tanggal 15 Supervisory Agency (BAPEPAM) under his letter
November 2002. No. S-24668/PM/2002 dated November 15, 2002.
-5-

Subordinasi Mudharabah (lanjutan) Subord ina t ed Mud harabah Sukuk
(continued)
Penawaran Umum Saham (lanjutan) Bank's Public Offering of Shares

(continued)
Luar Biasa yang tercantum dalam akta notaris Shareholders as stated in notarial deed No. 237
Arry Supratno, S.H., No. 237 tanggal 28 April dated April 28, 2005 of Arry Supratno, S.H., the
2005, para pemegang saham menyetujui shareholders approved the increase of issued and
peningkatan modal ditempatkan dan disetor paid-in capital through the issuance of C Series
penuh melalui Penawaran Umum Terbatas III shares through Limited Public Offering with pre-
(PUT III) dengan Hak Memesan Efek Terlebih emptive rights III (Rights Issue III) up to a
Dahulu atas Saham Seri C dengan nilai nominal maximum of 498,743,597 shares with par value
Rp500 (dalam Rupiah penuh) per lembar saham of Rp500 (in full amount) per share and offering
dan dengan harga penawaran Rp800 (dalam nilai price of Rp800 (in full amount) per share.
penuh) per lembar saham serta dengan jumlah Consequently, the shareholders agreed to amend
sebanyak banyaknya 498.743.597 lembar saham. article 4 of the Bank's articles of Association,
Sehubungan dengan penambahan Saham Seri C concerning authorized share capital from
ini, pemegang saham menyetujui perubahan ayat Rp1,000,000,000 to Rp2,000,000,000, which
4 dari anggaran dasar Bank yang berkaitan was subsequently revised to Rp1,950,000,000
dengan peningkatan jumlah modal dasar dari under notarial deed No.150 dated September 27,
Rp1.000.000.000 menjadi Rp2.000.000.000 yang 2005 of Arry Supratno, S.H. Limited Public
kemudian diperbaiki menjadi Rp1.950.000.000 Offering with pre-emptive rights (Right Issue) III
berdasarkan akta notaris Arry Supratno S.H., has been declared effective by the Chairman of
No. 150 tanggal 27 September 2005. Penawaran the Capital Market Supervisory Agency
Umum Terbatas III dengan Hak Memesan Efek (BAPEPAM) under his letter No.S-863/PM/2005
Terlebih Dahulu telah dinyatakan efektif oleh dated April 26, 2005.
Ketua BAPEPAM dengan suratnya
No.S-863/PM/2005 tanggal 26 April 2005.
Jumlah Saham Seri C yang terjual melalui PUT III The total amount of C Series shares issued in
tersebut berjumlah 446.194.051 lembar saham Rights Issue III was 446,194,051 shares, of
dengan rincian 97.093.489 lembar saham kepada which 97,093,489 shares were purchased by
pemegang saham lama dan 349.100.562 lembar existing shareholders and 349,100,562 shares
saham kepada pembeli siaga. Penambahan were purchased by standby buyers. The total
modal yang diperoleh melalui PUT III tersebut additional share capital gained from Rights Issue
berjumlah Rp223.097.025 serta tambahan modal III amounted to Rp223,097,025 and additional
disetor sejumlah Rp133.858.215. paid-in capital amounted to Rp133,858,215.
Melalui Surat Bapepam-LK No. S-5807/BL/2010 Under Letter No. S-5807/BL/2010 dated June 28,
tanggal 28 Juni 2010, Bank telah memperoleh 2010 of Bapepam-LK, the Bank obtained the
pemberitahuan efektif pernyataan pendaftaran notice of effectivity for the Limited Offering of
Penawaran Umum Terbatas IV dalam rangka 820,251,749 shares with pre-emptive rights,
penerbitan Hak Memesan Efek Terlebih Dahulu through Rights Issue IV. Every holder of C
(HMETD) sebanyak 820.251.749 saham. Setiap series shares shall receive 1 (one) right to
pemegang saham yang memiliki saham biasa Seri purchase 1 (one) new C Series share with par
C mendapatkan 1 (satu) hak untuk membeli value of Rp500 per share (in full amount) at the
1 (satu) saham biasa Seri C dengan nilai nominal exercise price of Rp1,161 per share (in full
Rp500 per saham (dalam nilai penuh) dengan amount). Additional share capital gained from
harga pelaksanaan Rp1.161 per saham (dalam Rights Issue IV amounted to Rp673,093,004 and
nilai penuh). Penambahan modal yang diperoleh additional paid in capital amounted to
dari PUT IV tersebut berjumlah Rp673.093.004 Rp383,216,603.
serta tambahan modal disetor saham berjumlah
Rp383.216.603.
-6-
2021 Annual Report

Subordinasi Mudharabah (lanjutan) Subordinated Mudharabah Sukuk
(continued)
Penawaran Umum Saham (lanjutan) Bank's Public Offering of Shares

(continued)
Pada tanggal 7 November 2013, Bank On November 7, 2013, the Bank obtained the
memperoleh pernyataan efektif dari Dewan notice of effectivity from the Board of
Komisioner Otoritas Jasa Keuangan dengan Commissioner of Financial Services Authority in
suratnya No.S-358/D.04/2013 untuk melakukan their letter No. S-358/D.04/2013 for its Limited
Penawaran Umum Terbatas (PUT V) Dengan Hak Public Offering (Rights Issue V) of
Memesan Efek Terlebih Dahulu sebanyak 2,815,917,885 shares with pre-emptive rights to
2.815.917.885 saham. Setiap pemegang saham shareholders. Every holder of 4 (four) B series
yang memiliki 4 (empat) saham biasa seri B shares shall receive 1 (one) right to purchase 1
mendapatkan 1 (satu) hak untuk membeli (one) new B series share with par value of
1 (satu) saham biasa seri B dengan nilai nominal Rp100 per share (in full amount) at the exercise
Rp100 per saham (dalam nilai penuh) dengan price of Rp480 per share (in full amount).
harga pelaksanaan Rp480 per saham (dalam nilai Additional share capital gained from Rights
penuh). Penambah modal yang diperoleh dari Issue V amounted to Rp281,591,788 and
PUT V tersebut berjumlah Rp281.591.788 serta additional paid in capital amounted to
tambahan modal disetorkan berjumlah Rp1,065,194,096.
Rp1.065.194.096.
Luar Biasa yang tercantum dalam akta notaris Shareholders as stated in notarial deed No. 51
Ashoya Ratam, S.H. M.Kn, No. 51 tanggal 30 dated August 30, 2021 of Ashoya Ratam, S.H.
Agustus 2021, para pemegang saham menyetujui M.Kn, the shareholders approved the increase of
peningkatan modal ditempatkan dan disetor issued and paid-in capital through the issuance of
penuh melalui Penawaran Umum Terbatas VI C Series shares through Limited Public Offering
(PUT VI) dengan Hak Memesan Efek Terlebih with pre-emptive rights VI (Rights Issue VI) up to
Dahulu atas Saham Seri C dengan nilai nominal a maximum of 40,000,000,000 shares with par
Rp30 (dalam Rupiah penuh) per lembar saham value of Rp30 (in full amount) per share.
serta dengan jumlah sebanyak banyaknya Consequently, the shareholders agreed to amend
40.000.000.000 lembar saham. Sehubungan article 4 of the Bank's articles of Association,
dengan penambahan Saham Seri C ini, concerning authorized share capital to
pemegang saham menyetujui perubahan ayat 4 Rp5,600,000,000,
dari anggaran dasar Bank yang berkaitan dengan
peningkatan jumlah modal dasar menjadi
Rp5.600.000.000.
Pada tanggal 16 Desember 2021, Bank On December 16, 2021, the Bank obtained the
memperoleh pernyataan efektif dari Dewan notice of effectivity from the Board of
Komisioner Otoritas Jasa Keuangan dengan Commissioner of Financial Services Authority in
suratnya No.S-237/D.04/2021 untuk melakukan their letter No. S-237/D.04/2021 for its Limited
Penawaran Umum Terbatas (PUT VI) Dengan Public Offering (Rights Issue VI) of
Hak Memesan Efek Terlebih Dahulu sebanyak 39,810,039,107 (in full amount) shares with par
banyaknya 39.810.039.107 (dalam nilai penuh) value Rp30. Additional share capital gained from
lembar saham dengan nilai nominal Rp30. Rights Issue VI amounted to Rp1,194,301,173
Pencatatan atas penambahan modal yang (see note 52).
diperoleh dari PUT VI tersebut berjumlah
Rp1.194.301.173, ada dalam audit penjatahan
(lihat catatan 52).
-7-

Subordinasi Mudharabah (lanjutan) Subordinated Mudharabah Sukuk
(continued)
Penawaran Umum Sukuk Subordinasi Public Offering of Sustainable

Mudharabah Berkelanjutan I Bank Subordinated Mudharabah Sukuk I of
Muamalat tahun 2012 Bank Muamalat in 2012
Pada tanggal 22 Juni 2012, Bank memperoleh On June 22, 2012, the Bank obtained a notice
pernyataan efektif dari Ketua Bapepam-LK of effectivity from the Chairman of Bapepam-LK
melalui surat No. S-7771/BL/2012 atas under his letter No.S-7771/BL/2012 on the
penawaran umum Sukuk Subordinasi public offering of Sustainable Subordinated
Mudharabah Berkelanjutan I Tahap I kepada Mudharabah Sukuk I Phase I with total par
masyarakat dengan nilai nominal sebesar value of Rp800,000,000. The initial payment of
Rp800.000.000. Pembayaran pendapatan bagi phase I revenue sharing was made on
hasil tahap I pertama kali dilakukan pada tanggal September 29, 2012 and the last payment date
29 September 2012, sedangkan pembayaran will be on June 29, 2022 or on earlier date, on
pendapatan bagi hasil terakhir akan dilakukan June 29, 2017 (the fifth anniversary since the
pada tanggal 29 Juni 2022, atau pada waktu issuance date), if the Bank decides to exercise
lebih awal yaitu tanggal 29 Juni 2017 (ulang its buy option under the agreement. The Bank
tahun ke-5 (lima) sejak tanggal penawaran) jika listed the “Sustainable Subordinated
Bank melaksanakan opsi beli dengan Mudharabah Sukuk I of Bank Muamalat” with a
memperhatikan ketentuan pelaksanaan opsi beli. total amount of Rp1,500,000,000 in the Stock
Bank mencatatkan “Sukuk Subordinasi Exchange in accordance with Preliminary
Mudharabah Berkelanjutan I Bank Muamalat” Agreement for Securities Listing No. SP-
dengan jumlah dana sebesar Rp1.500.000.000 021/BEI.PPS/04-2012 dated April 12, 2012 in
pada Bursa Efek sesuai dengan Perjanjian conjunction with the Amendment to the
Pendahuluan Pencatatan Efek No.SP- Preliminary Agreement for Securities Listing No.
021/BEI.PPS/04-2012 tanggal 12 April 2012 Ad-SP-012/BEI.PPS/06-2012 dated June 15,
juncto Addendum Perjanjian Pendahuluan 2012, where both agreements were entered
Pencatatan Efek No.Ad-SP-012/BEI.PPS/06-2012 into by the Bank and the Indonesia Stock
tanggal 15 Juni 2012, yang keduanya dibuat Exchange.
antara Bank dengan Bursa Efek Indonesia.
Penawaran Umum Sukuk Subordinasi Public Offering of Sustainable

Mudharabah Berkelanjutan I Bank Subordinated Mudharabah Sukuk I of
Muamalat tahun 2013 Bank Muamalat in 2013
Pada April 2013, Bank telah menerbitkan sukuk In April 2013, the Bank issued sustainable
subordinasi mudharabah berkelanjutan I tahap subordinated mudharabah sukuk I phase II with
II dengan nilai nominal sebesar Rp700.000.000. total par value of Rp700,000,000. The initial
Pembayaran pendapatan bagi hasil tahap II profit sharing payment for phase II was made
pertama kali dilakukan pada tanggal 28 Juni on June 28, 2013, and the last profit sharing
2013, sedangkan pembayaran pendapatan bagi will be paid on March 28, 2023 or on earlier
hasil terakhir akan dilakukan pada tanggal date, on March 28, 2018, if the Bank exercises
28 Maret 2023 atau pada waktu lebih awal yaitu its call option under the agreement. Sukuk
tanggal 28 Maret 2018 jika Bank melaksanakan principal will mature and be repaid on March
opsi beli dengan memperhatikan ketentuan 28, 2023 or on earlier date, on March 28, 2018,
pelaksanaan opsi beli. Pokok sukuk akan jatuh if the Bank exercises such purchase option.
tempo dan dilunasi pada tanggal 28 Maret 2023
atau pada waktu lebih awal yaitu tanggal
28 Maret 2018 jika Bank melaksanakan opsi beli.
Masing-masing sukuk subordinasi mudharabah Both sustainable subordinated mudharabah

berkelanjutan I tahap I dan II telah dilunasi oleh sukuk I phase I and II have been settled by the
Bank dengan melaksanakan opsi beli. Bank by exercising its call option.
-8-
2021 Annual Report
2. IKHTISAR KEBIJAKAN AKUNTANSI 2. SUMMARY OF SIGNIFICANT ACCOUNTING

POLICIES
a. Dasar Penyajian Laporan Keuangan a. Basis of Financial Statements Presentation
Pernyataan Kepatuhan Statement of Compliance

Laporan keuangan disusun dan disajikan The financial statements have been prepared on
berdasarkan nilai historis, kecuali untuk beberapa a historical cost basis, except for some accounts
akun yang dinilai menggunakan dasar that were assessed using another measurement
pengukuran lain sebagaimana dijelaskan pada basis as explained in the accounting policies of
kebijakan akuntansi dari akun tersebut. Laporan the account. The financial statements have been
keuangan disusun dengan dasar akrual, kecuali prepared on accrual basis, except for statement
laporan arus kas dan laporan rekonsiliasi of cash flows and statement of reconciliation of
pendapatan dan bagi hasil. income and revenue sharing.
Berdasarkan PSAK No. 101 (Revisi 2016), laporan Based on SFAS No. 101 (Revised 2016), sharia
keuangan bank syariah terdiri dari banks’ financial statements consist of the
komponen-komponen sebagai berikut: following components:
(i) Laporan posisi keuangan; (i) Statement of financial position;
(ii) Laporan laba rugi dan penghasilan (ii) Statement of profit or loss and other
komprehensif lain; comprehensive income;
(iii) Laporan perubahan ekuitas; (iii) Statement of changes in equity;
(iv) Laporan arus kas; (iv) Statement of cash flows;
(v) Laporan rekonsiliasi pendapatan dan bagi (v) Statement of reconciliation of income and
hasil; revenue sharing;
(vi) Laporan sumber dan penyaluran dana (vi) Statement of sources and distribution of
zakat; zakat funds;
(vii) Laporan sumber dana dan penggunaan (vii) Statement of sources and uses of qardhul
dana kebajikan; dan hasan funds; and
(viii) Catatan atas laporan keuangan. (viii) Notes to the financial statements.
Laporan posisi keuangan, laporan laba rugi dan Statement of financial position, statement of
penghasilan komprehensif lain, laporan profit or loss and other comprehensive income,
perubahan ekuitas dan laporan arus kas statement of changes in equity and statement of
merupakan lapo r an keu an gan yang cash flows are the financial statements reflecting
mencerminkan kegiatan komersial Bank sesuai the commercial bank activities based on sharia
dengan prinsip syariah. principles.
Laporan arus kas disusun menggunakan metode The statement of cash flows was prepared based
langsung dan arus kas dikelompokkan atas dasar on the direct method with cash flows classified
aktivitas operasi, investasi dan pendanaan. Kas into cash flows from operating, investing and
dan setara kas terdiri dari kas, giro pada Bank financing activities. For the purpose of cash flows
Indonesia, giro pada bank lain, penempatan pada statement, cash and cash equivalents consist of
Bank Indonesia dan penempatan pada Bank lain cash, current accounts with Bank Indonesia,
yang jatuh tempo dalam waktu 3 (tiga) bulan current accounts with other banks, placements
sejak tanggal laporan, sepanjang tidak digunakan with Bank Indonesia and placements with other
sebagai jaminan atas pinjaman yang diterima banks with maturity within 3 (three) months
serta tidak dibatasi penggunaannya. since the date of the report, which are not
pledged as collateral and not restricted.
Laporan rekonsiliasi pendapatan dan bagi hasil The statement of reconciliation of income and
merupakan rekonsiliasi antara pendapatan Bank revenue sharing shows reconciliation between
yang menggunakan dasar akrual dan pendapatan the Bank’s income which is prepared under
yang dibagihasilkan kepada pemilik dana yang accrual basis and revenue sharing to fund owner
menggunakan dasar kas. which is prepared under cash basis.
-9-
(Lanjutan) POLICIES (Continued)

(lanjutan) (continued)
Pernyataan Kepatuhan (lanjutan) Statement of Compliance (continued)
Laporan sumber dan penyaluran zakat Statement of sources and distribution of zakat
merupakan laporan yang menunjukkan sumber represents a statement showing the sources and
dana dan penyaluran dalam jangka waktu the uses of zakat funds in a certain period and
tertentu serta dana zakat yang belum disalurkan the undistributed funds on specific dates.
pada tanggal tertentu.
Laporan sumber dan penggunaan dana kebajikan Statement of sources and uses of qardhul hasan
merupakan laporan yang menunjukkan sumber funds represents a statement indicating the
dan penggunaan dana kebajikan selama jangka sources and uses of qardhul hasan funds for a
waktu tertentu dan saldo dana kebajikan pada period of time and qardhul hasan funds balance
tanggal tertentu. on a particular date.
Bank tidak secara langsung menjalankan fungsi The Bank is not directly involved in the
pengelolaan dana zakat, infaq dan shadaqah dan management of zakat, infaq and shadaqah funds
dana kebajikan. Penyaluran dana zakat, infaq and qardhul hasan funds. The distribution of
dan shadaqah dan dana kebajikan dikelola oleh zakat, infaq and shadaqah funds and qardhul
Yayasan Baitul Maal Muamalat. hasan funds is managed by Yayasan Baitul Maal
Muamalat.
Mata uang penyajian dan fungsional yang The presentation and functional currency used in
digunakan untuk penyusunan laporan keuangan the preparation of financial statements is the
adalah mata uang Rupiah (Rp). Angka-angka Indonesian Rupiah (Rp). The figures presented in
yang disajikan dalam laporan keuangan kecuali, the financial statements, unless otherwise stated,
bila dinyatakan secara khusus, adalah dibulatkan are rounded in thousands of Rupiah.
dalam ribuan Rupiah.
Pembukuan Bank, diselenggarakan dalam mata The books of accounts of the Bank are
uang Rupiah, mata uang dari lingkungan maintained in Indonesian Rupiah, the currency
ekonomi utama dimana Bank beroperasi. of the primary economic environment in which
Transaksi selama tahun berjalan dalam mata the Bank operates. Transactions during the year
uang asing dicatat dengan kurs yang berlaku involving foreign currencies are recorded at the
pada saat terjadinya transaksi. Pada tanggal rates of exchange prevailing at the time the
posisi keuangan, aset dan liabilitas moneter transactions are made. At financial position date,
dalam mata uang asing disesuaikan dalam mata monetary assets and liabilities denominated in
uang Rupiah dengan menggunakan kurs tengah foreign currencies are translated into Indonesia
yang ditetapkan oleh Bank Indonesia yaitu kurs Rupiah using exchange rate set by Bank
Spot Reuters pada pukul 16:00 WIB (Waktu Indonesia (Central Bank), that is Reuters Spot
Indonesia Barat). Keuntungan atau kerugian kurs rate at 16:00 WIB (Western Indonesia Time).
yang timbul dikreditkan atau dibebankan dalam The resulting gains or losses are credited or
laba rugi tahun yang bersangkutan. charged to current operations.
Transaksi valuta asing pada bank Syariah (di luar The Sharia Bank is not allowed to enter into
jual beli bank notes) hanya dapat dilakukan foreign currency transactions for speculative
untuk kepentingan nasabah dan tidak dibenarkan purposes except for foreign currency
untuk tujuan spekulatif. Bank melakukan transactions for its customers. The Bank
transaksi lindung nilai syariah baik transaksi conducts both simple sharia hedging
lindung nilai syariah sederhana (‘Aqd al transactions ('Aqd al Tahawwuth al-Basith),
Tahawwuth al-Basith) yaitu transaksi lindung nilai which is hedging transactions with a forward
dengan skema forward agreement yang diikuti agreement scheme followed by spot transactions
dengan transaksi spot pada saat jatuh tempo, at maturity, and Complex Hedging transactions
serta transaksi Lindung Nilai Kompleks (‘Aqd al (' Aqd al Tahawwuth al -Murakkab), which is a
Tahawwuth al-Murakkab) yaitu transaksi lindung hedging transaction with a scheme in the form
nilai dengan skema berupa rangkaian transaksi of a series of spot transactions and forward
spot dan forward agreement yang diikuti dengan agreements followed by spot transactions when
transaksi spot pada saat jatuh tempo. they are due.
- 10 -
2021 Annual Report

Pernyataan Kepatuhan (lanjutan) Statement of Compliance (continued)
Lindung nilai syariah hanya meliputi lindung nilai Sharia hedges only cover exchange rate hedges
tukar atas risiko nilai tukar dengan menggunakan against exchange rate risks using a mechanism
mekanisme yang sesuai ketentuan syariah. Item that complies with sharia principles. Hedge items
yang di lindung nilai (hedge item) atas nilai tukar can be in the form of assets or liabilities that are
dapat berupa aset atau liabilitas yang diakui, recognized, certain commitments that have not
komitmen pasti yang belum diakui, prakiraan yet been recognized, forecasts of transactions
transaksi yang kemungkinan besar akan terjadi, that are likely to occur, or net investment in
atau investasi neto pada kegiatan usaha luar foreign business activities.
negeri.
b. Transaksi Pihak-Pihak Berelasi b. Transactions with Related Parties
Bank melakukan transaksi dengan pihak-pihak Bank entered into transactions with parties
berelasi sebagaimana yang didefinisikan dalam which are defined as related parties in
PSAK No. 7 (Penyesuaian 2010), “Pengungkapan accordance with SFAS No. 7 (Adjustment 2010)
Pihak-pihak Berelasi”. regarding “ Related Party Disclosure”.
Suatu pihak dianggap pihak berelasi dengan Bank A party is considered as a related party of the
jika: Bank if:
(1) langsung atau tidak langsung yang melalui (1) a party directly or indirectly through one or
satu atau lebih perantara, suatu pihak (i) more intermediaries, (i) controls, or is
mengendalikan, atau dikendalikan oleh, controlled by, or under common control
atau berada di bawah pengendalian with the Bank; (ii) has substantial
bersama, dengan Bank; (ii) memiliki importance in the Bank that gives significant
kepentingan dalam Bank yang memberikan influence to the Bank; or (iii) has joint
pengaruh signifikan atas Bank; atau (iii) control over the Bank;
memiliki pengendalian bersama atas Bank;
(2) suatu pihak yang berada dalam kelompok (2) an entity is a member of the same group as
usaha yang sama dengan Bank; the Bank;
(3) suatu pihak adalah ventura bersama dimana (3) a party is a joint venture in which the Bank
Bank sebagai venturer; acts as a venturer;
(4) suatu pihak adalah anggota dari personil dari (4) a party is a member of the key
manajemen kunci Bank; management personnel of the Bank;
(5) suatu pihak adalah anggota keluarga dekat (5) a party is a close family member of an
dari individu yang diuraikan dalam butir (1) individual as described in point (1) or (4);
atau (4);
(6) suatu pihak adalah entitas yang (6) a party is an entity that is controlled, jointly
dikendalikan, dikendalikan bersama atau controlled or significantly influenced by or
dipengaruhi signifikan oleh atau untuk pihak have significant voting rights in several
yang memiliki hak suara signifikan pada entities, directly or indirectly, which are
beberapa entitas, langsung maupun tidak individuals described in point (4) or (5); and
langsung, yaitu individu seperti diuraikan
dalam butir (4) atau (5); dan
(7) suatu pihak adalah suatu program imbalan (7) a party is a post-employment benefit plan
pasca kerja untuk imbalan kerja dari Bank program for the employee benefit of either
atau entitas yang terkait dengan Bank. the Bank or its related party.
Transaksi ini dilakukan berdasarkan persyaratan The transaction is carried out based on terms
yang disetujui oleh kedua belah pihak, dimana agreed by both parties, whereby such
persyaratan tersebut mungkin tidak sama dengan requirements may differ from other transactions
transaksi lain yang dilakukan dengan pihak-pihak undertaken with non-related parties.
yang tidak berelasi.
- 11 -
b. Transaksi Pihak-Pihak Berelasi (lanjutan) b. Transactions with Related Parties

(continued)
Transaksi dengan pihak-pihak berelasi dilakukan Transactions with related parties are conducted
dengan syarat dan kondisi yang sama dengan under terms and conditions that are similar to
transaksi-transaksi dengan pihak ketiga. third party transactions. These transactions are
Transaksi yang dilakukan Bank telah memenuhi in accordance with the regulation of Financial
peraturan Otoritas Jasa Keuangan (OJK) Services Authority (FSA) No. 42/POJK.04/2020
No.42/POJK.04/2020 tentang “Transaksi Afiliasi regarding “Transaction with Affiliation and
dan Transaksi Benturan” per 1 Juli 2020, pada Certain Conflict of Interests” per July 1, 2020
saat transaksi-transaksi tersebut dilakukan. when the transactions are conducted.
Seluruh transaksi dan saldo yang material All material transactions and balances with
dengan pihak-pihak berelasi diungkapkan dalam related parties are disclosed in the relevant
catatan atas laporan keuangan yang relevan dan notes to the financial statements and the details
rinciannya telah disajikan dalam Catatan 41 atas are presented in Note 41 to the financial
laporan keuangan. statements.
c. Cadangan Kerugian Penurunan Nilai Aset c. Allowance for Impairment Losses on

Produktif dan Aset Non-Produktif Earning and Non-Earning Assets
Aset produktif terdiri dari giro dan penempatan Earning assets consist of current accounts and
pada Bank Indonesia dalam bentuk Sertifikat placements with Bank Indonesia in the form of
Bank Indonesia Syariah (SBIS) dan Fasilitas Bank Indonesia Sharia Certificates (SBIS) and
Simpanan Bank Indonesia Syariah (FASBIS), Bank Indonesia Sharia Deposit Facilities
Surat Berharga yang dibeli dengan janji dijual (FASBIS), Securities purchased under agreement
kembali, giro pada bank lain, penempatan pada to resell, current accounts with other banks,
bank lain, investasi pada surat berharga, piutang placements with other banks, investments in
murabahah, piutang ijarah, piutang istishna, marketable securities, murabahah receivables,
pinjaman qardh, pembiayaan mudharabah, ijarah receivables, istishna receivables, funds of
pembiayaan musyarakah, aset yang diperoleh qardh, mudharabah financing, musyarakah
untuk ijarah, serta komitmen dan kontinjensi financing, assets acquired for ijarah, and
yang memiliki risiko pembiayaan seperti bank commitments and contingencies which carry
garansi dan letter of credit (LC) yang tidak dapat financing risk, such as bank guarantees,
dibatalkan dan standby letter of credit. irrevocable letter of credit and standby letter of
credit.
Aset non-produktif adalah aset Bank selain aset Non-earning assets are the Bank’s assets other
produktif yang memiliki potensi kerugian, antara than the earning assets which have potential
lain dalam bentuk rekening antar kantor, agunan loss, consisting of inter-office accounts,
yang diambil alih dan suspense accounts. foreclosed assets and suspense accounts.
Aset produktif atas piutang murabahah mengacu Earning assets for murabahah receivables are in
pada PSAK No. 102 (Revisi 2016) “Akuntansi accordance with SFAS No. 102 (Revised 2016)
Murabahah”, piutang Istishna mengacu pada “Accounting for Murabahah”, Istishna receivables
PSAK No. 104 (Revisi 2016) “Akuntansi are in accordance with SFAS No. 104 (Revised
Istishna”, Piutang Ijarah mengacu pada PSAK 2016) “Accounting for Istishna”, Ijarah
No.107 (Revised 2016) “Akuntansi Ijarah”, receivables are in accordance with SFAS No. 107
Pembiayaan Mudharabah dan Musyarakah (Revised 2016) “Accounting for Ijarah”,
mengacu pada PSAK No.105 : “Akuntansi Mudharabah and Musyarakah financing are in
Mudharabah”, PSAK No. 106 : “Akuntansi accordance with SFAS No. 105 “Accounting for
Musyarakah” dan Investasi pada surat berharga Mudharabah”, SFAS No.106 “Accounting for
mengacu pada PSAK 110 (Revisi 2020) Musyarakah” and Investment in securities are in
"Akuntansi Sukuk", PSAK 111 “Akuntansi Wa’d” accordance with SFAS No.110 (Revised 2020)
dan aset produktif atas giro dan penempatan “Accounting for Sukuk”, SFAS No.111
pada Bank Indonesia, giro dan penempatan pada “Accounting for Wa’d” and earning assets for
bank lain dan investasi pada surat berharga current accounts and placements with Bank
mengacu pada PAPSI 2013. Indonesia, current accounts and placements
with other banks and investment in marketable
securities are in accordance with PAPSI 2013.
- 12 -
2021 Annual Report

Bank mengevaluasi apakah terdapat bukti The Bank assesses whether there is any
objektif bahwa aset keuangan mengalami objective evidence that a financial asset is
penurunan nilai pada setiap tanggal laporan impaired on each date of statement of financial
posisi keuangan. position.
Aset keuangan mengalami penurunan nilai jika Financial assets are impaired when an objective
bukti objektif menunjukkan bahwa peristiwa yang evidence indicates that a loss event has occurred
merugikan telah terjadi setelah pengakuan awal after the initial recognition of the asset and that
aset keuangan dan peristiwa tersebut berdampak the loss event has an impact on the future cash
pada arus kas masa datang atas aset keuangan flows of the financial asset that can be estimated
yang dapat diestimasi secara handal. reliably.
Kriteria yang digunakan oleh Bank untuk The criteria used by the Bank to determine
menentukan bukti objektif dari penurunan nilai objective evidence of impairment are as follows:
(1) kesulitan keuangan signifikan yang dialami (1) significant financial difficulty of the issuer or
penerbit atau pihak peminjam; obligor;
(2) pelanggaran kontrak, seperti terjadinya (2) any breach of contract, such as a default or
wanprestasi atau tunggakan pembayaran delinquency in margin or principal
pokok atau margin; payments;
(3) pihak pemberi pinjaman, dengan alasan (3) the lender, for economic or legal reasons
ekonomi atau hukum sehubungan dengan relating to the debtor’s financial difficulty,
kesulitan keuangan yang dialami pihak grants the debtor a concession that the
peminjam, memberikan keringanan lender would not otherwise consider;
(konsesi) pada pihak peminjam yang tidak
mungkin diberikan jika pihak peminjam tidak
mengalami kesulitan tersebut;
(4) terdapat kemungkinan bahwa pihak (4) it becomes probable that the debtor will
peminjam akan dinyatakan pailit atau enter into bankruptcy or other financial
melakukan reorganisasi keuangan lainnya; reorganization;
(5) hilangnya pasar aktif dari aset keuangan (5) the disappearance of an active market of
akibat kesulitan keuangan; atau financial assets due to financial difficulties;
or
(6) d a t a yang dapat diobservasi (6) observable data indicating that there is a
mengindikasikan adanya penurunan yang measurable decrease in the estimated
dapat diukur atas estimasi arus kas masa future cash flows from a portfolio of
datang dari kelompok aset keuangan sejak financial assets since the initial recognition
pengakuan awal aset dimaksud, meskipun of those assets, although the decrease
penurunannya belum dapat diidentifikasi cannot yet be identified individually in the
terhadap aset keuangan secara individual portfolio, including:
dalam kelompok aset tersebut, termasuk:
a. memburuknya status pembayaran pihak a. adverse changes in the payment status
peminjam dalam kelompok tersebut; dan of debtors in the portfolio; and
b. kondisi ekonomi nasional atau lokal yang b. national or local economic conditions
berkorelasi dengan wanprestasi atas that correlate with breach of contract of
aset dalam kelompok tersebut. the assets in the portfolio.
Estimasi periode antara terjadinya peristiwa dan The estimated period between the occurrence of
teridentifikasinya kerugian ditentukan oleh an event and loss identification is determined by
manajemen untuk setiap portofolio yang the management for each identified portfolio. In
diidentifikasi. Pada umumnya, periode tersebut general, the period varies from 3 (three) months
bervariasi antara 3 (tiga) sampai 12 (dua belas) to 12 (twelve) months, in exceptional cases,
bulan, untuk kasus tertentu diperlukan periode longer periods are necessary.
yang lebih lama.
- 13 -

Bank pertama kali menentukan apakah terdapat The Bank first determines whether there is an
bukti objektif penurunan nilai secara individual objective evidence of impairment on financial
atas aset keuangan yang signifikan, dan secara assets that are individually significant and
individual atau kolektif untuk aset keuangan yang individually or collectively on financial assets that
tidak signifikan secara individual. are not individually significant.
Jika Bank menentukan tidak terdapat bukti If the Bank determines that there is no objective
objektif mengenai penurunan nilai atas aset evidence of impairment for an individually
keuangan yang dinilai secara individual, terlepas assessed financial asset, whether significant or
aset keuangan tersebut signifikan atau tidak, not, it includes the asset in a group of financial
maka Bank memasukkan aset tersebut ke dalam assets with similar financing risk characteristics
kelompok aset keuangan yang memiliki and collectively assesses them for impairment.
karakteristik risiko pembiayaan yang serupa dan Financial assets that are individually assessed for
menilai penurunan nilai kelompok tersebut secara impairment, and for which an impairment loss is
kolektif. Aset keuangan yang penurunan nilainya or continues to be recognized, are excluded in
dilakukan secara individual, dan untuk itu the collective assessment of impairment.
kerugian penurunan nilai telah diakui atau tetap
diakui, tidak termasuk dalam penilaian
penurunan nilai secara kolektif.
Bank menetapkan piutang murabahah yang The Bank determines murabahah receivables to
harus dievaluasi penurunan nilainya secara be evaluated for impairment through individual
individual, jika memenuhi salah satu kriteria di evaluation if one of the following criteria exists:
bawah ini:
1. Piutang murabahah yang secara individual 1. Murabahah receivables which individually
memiliki nilai signifikan dan memiliki bukti have significant value with objective evidence
objektif penurunan nilai; of impairment;
2. Piutang murabahah yang direstrukturisasi 2. Restructured murabahah receivables which
yang secara individual memiliki nilai signifikan. individually have significant value.
Berdasarkan kriteria di atas, Bank melakukan Based on the above criteria, the Bank performs
penilaian secara individual untuk piutang individual assessment for murabahah receivables
murabahah dengan plafond lebih besar atau with limit greater than or equal to Rp25,000,000
sama dengan Rp25.000.000 dengan kolektibilitas with collectibility classification of substandard,
kurang lancar, diragukan dan macet pada tanggal doubtful and loss as of December 31, 2021
31 Desember 2021 dan 2020. and 2020.
Bank menetapkan piutang murabahah yang The Bank determines murabahah receivables to
harus dievaluasi penurunan nilainya secara be evaluated for impairment through collective
kolektif, jika memenuhi salah satu kriteria di evaluation if one of the following criteria exists:
bawah ini:
memiliki nilai signifikan namun tidak memiliki have significant value but there is no
bukti objektif penurunan nilai; objective evidence of impairment;
memiliki nilai tidak signifikan; have non significant value;
3. Piutang murabahah yang direstrukturisasi 3. Restructured murabahah receivables which
yang secara individual memiliki nilai tidak individually have non significant value.
signifikan.
- 14 -
2021 Annual Report

Perhitungan cadangan kerugian penurunan nilai The calculation of allowance for impairment
atas aset keuangan yang dinilai secara kolektif losses on financial assets which are evaluated
dikelompokkan berdasarkan karakteristik risiko collectively is grouped based on similar
piutang yang sama dengan mempertimbangkan receivable risk characteristics and by taking into
segmentasi piutang berdasarkan pengalaman account the receivable segmentation on the
kerugian masa lalu (probability of default). basis of historical loss experience (probability of
default).
Bank menggunakan metode net flow rate dan The Bank uses net flow rate method and
migration analysis yang merupakan suatu migration analysis which is a statistical analysis
metode analisis statistik, untuk menilai cadangan method to assess allowance for impairment
kerugian penurunan nilai atas piutang yang losses on collective receivables. The Bank uses
diberikan secara kolektif. Bank menggunakan at least 3 (three) years historical data to
data historis minimal 3 (tiga) tahun dalam compute the Probability of Default (PD) and
menghitung Probability of Default (PD) dan Loss of Given Default (LGD).
Loss of Given Default (LGD).
Bank menggunakan nilai wajar agunan sebagai The Bank uses the fair value of collateral as the
dasar arus kas masa datang apabila memenuhi basis for future cash flow if one of the following
salah satu kondisi berikut: conditions is met:
1. Piutang dan pembiayaan bersifat collateral 1. Claim and account receivables are collateral
dependent, yaitu jika pelunasan pembiayaan dependent, i.e. if the source of loans
hanya bersumber dari agunan; repayment is only from the collateral;
2. Pengambilalihan agunan kemungkinan besar 2. Takeover of collateral is most likely to occur
terjadi dan didukung dengan perjanjian legal and be supported by legally binding collateral
pengikatan agunan. agreement.
Kerugian penurunan nilai atas aset keuangan Impairment losses on financial assets carried at
yang dicatat pada biaya perolehan diamortisasi amortized cost are measured as the difference
diukur sebesar selisih antara nilai tercatat aset between the carrying amount of the financial
keuangan dengan nilai kini estimasi arus kas assets and present value of estimated future
masa datang yang didiskonto menggunakan cash flows discounted at the financial assets
tingkat margin efektif awal dari aset keuangan original effective margin rate.
tersebut.
Kerugian yang terjadi diakui pada laporan laba Losses are recognized in statement of profit or
rugi dan penghasilan komprehensif lain dan loss and other comprehensive income and
dicatat pada akun cadangan kerugian penurunan reflected in an allowance for impairment losses
nilai sebagai pengurang terhadap aset keuangan account against financial assets carried at
yang dicatat pada biaya perolehan diamortisasi. amortized cost.
Penerimaan kembali atas aset keuangan yang The recoveries of written-off financial assets in
diberikan yang telah dihapusbukukan, pada the current year are credited by adjusting the
tahun berjalan dikreditkan dengan menyesuaikan allowance for impairment losses accounts.
akun cadangan kerugian penurunan nilai. Recoveries of written-off loans from previous
Penerimaan kembali atas pinjaman yang years are recorded as operational income other
diberikan yang telah dihapusbukukan pada than margin income.
tahun-tahun sebelumnya dicatat sebagai
pendapatan operasional selain margin.
- 15 -

Terhadap aset produktif atas piutang istishna, Against earning assets for istishna receivables,
pinjaman qardh, pembiayaan mudharabah, funds of qardh, mudharabah financing,
pembiayaan musyarakah, aset yang diperoleh musyarakah financing, assets acquired for ijarah,
untuk ijarah, serta komitmen dan kontinjensi and commitments and contingencies which carry
yang memiliki risiko pembiayaan seperti bank financing risk, such as bank guarantees and
garansi dan Letter of Credit (LC), Bank Letter of Credit (LC), the Bank implements
menerapkan Peraturan Otoritas Jasa Regulation of the Financial Services Authority
Keuangan (POJK) No.16/POJK.03/2014 tanggal (POJK) No.16/POJK.03/2014 dated November
18 November 2014 tentang ”Penilaian Kualitas 18, 2014 regarding “Asset Quality Ratings for
Aset Bank Umum Syariah dan Unit Usaha Sharia Bank and Sharia Business Unit" which
Syariah” yang berlaku efektif tanggal 1 Januari became effective on January 1, 2015.
2015.
Penilaian sebelum tanggal 1 Januari 2015 Assessment prior to January 1, 2015 used PBI
menggunakan PBI No.13/13/PBI/2011 tanggal No.13/13/PBI/2011 dated March 24, 2011
24 Maret 2011 tentang ”Penilaian Kualitas Aktiva regarding "Asset Quality Rating for Sharia Bank
bagi Bank Umum Syariah dan Unit Usaha and Sharia Business Unit".
Syariah”.
Cadangan kerugian minimum yang harus The minimum allowance to be provided in

dibentuk sesuai dengan Peraturan Otoritas Jasa compliance with Financial Services Authority
Keuangan (POJK) adalah sebagai berikut: Regulation (POJK) is as follows:
1) Cadangan umum, sekurang-kurangnya 1) General reserves shall be no less than 1%

sebesar 1% dari aset produktif yang of total earning assets classified as current,
digolongkan lancar, diluar giro dan excluding current accounts and placements
penempatan pada Bank Indonesia, surat with Bank Indonesia, and securities issued
berharga yang diterbitkan pemerintah by the government based on sharia
berdasarkan prinsip syariah dan aset principles and part of earning assets
produktif yang dijamin dengan agunan tunai. guaranteed with cash collateral.
2) Cadangan khusus, sekurang-kurangnya 2) Special reserves, shall be at least:
sebesar:
a) 5% dari aset produktif yang digolongkan a) 5% of earning assets classified as

Dalam Perhatian Khusus setelah Special Mention after deducting the
dikurangi nilai agunan; collateral value;
b) 15% dari aset produktif yang b) 15% of earning assets classified as
digolongkan Kurang Lancar setelah Substandard after deducting the
dikurangi nilai agunan; collateral value;
c) 50% dari aset produktif yang c) 50% of earning assets classified as
digolongkan Diragukan setelah dikurangi Doubtful after deducting the collateral
nilai agunan; dan value; and
d) 100% dari aset produktif yang d) 100% of earning assets classified as
digolongkan Macet setelah dikurangi nilai Loss after deducting the collateral value.
agunan.
Kriteria penilaian nilai agunan yang dapat The criteria for assessment of the value of
dikurangkan dalam pembentukan cadangan collateral that can be deducted in the calculation
kerugian penurunan nilai sesuai dengan of allowance for impairment losses are based on
Peraturan Otoritas Jasa Keuangan (POJK). Financial Services Authority Regulations (POJK).
- 16 -
2021 Annual Report

Kewajiban untuk membentuk penyisihan The requirement to establish allowance for

kerugian aset produktif untuk akad Ijarah impairment losses for Ijarah and Ijarah
maupun Ijarah Muntahiyah Bittamlik adalah Muntahiyah Bittamlik contracts are to Ijarah
terhadap piutang Ijarah atas kewajiban pokok receivable on the principal obligation for overdue
sewa yang tertunggak. Selain itu wajib dibentuk lease. Furthermore, it is required to
penyusutan/amortisasi atas aset Ijarah maupun depreciate/amortize the assets of Ijarah and
Ijarah Muntahiyah Bittamlik. Ijarah Muntahiyah Bittamlik.
Khusus untuk kualitas surat berharga dan For marketable securities and placements with
penempatan pada bank ditetapkan menjadi other banks, the quality rating is classified into 3
3 (tiga) golongan yaitu lancar, kurang lancar, dan (three) classifications: current, substandard, and
macet. Sedangkan untuk kualitas penyertaan loss. Quality rating of equity investment is
modal kualitasnya ditetapkan menjadi 4 (empat) determined into 4 (four) categories: current,
golongan yaitu lancar, kurang lancar, diragukan, substandard, doubtful and loss.
dan macet.
Cadangan penyisihan penghapusan untuk The allowance for impairment losses on

komitmen dan kontinjensi yang dibentuk commitments and contingencies is presented as
disajikan sebagai liabilitas di laporan posisi a liability in the statement of financial position
keuangan pada akun “Estimasi Kerugian under “Estimated Losses on Commitments and
Komitmen dan Kontinjensi”. Contingencies account”.
Apabila manajemen berpendapat bahwa suatu If management believes that certain earning
aset produktif sudah tidak dapat ditagih kembali, assets are not recoverable then those assets
maka aset tersebut harus dihapusbukukan should be written off by deducting the balance
dengan cara saldo aset produktif dikurangkan of earning assets from their respective
dari penyisihan kerugian. Penerimaan kembali allowances. Recoveries of earning assets that
aset produktif yang telah dihapusbukukan dicatat have been written off are recorded as additional
sebagai penambahan penyisihan kerugian tahun allowance for impairment losses in the current
berjalan. year.
Aset non-produktif adalah aset Bank selain aset Non-earning assets are the Bank’s assets other
produktif yang memiliki potensi kerugian, antara than the earning assets which have potential
lain dalam bentuk rekening antar kantor, loss, consisting of inter-office accounts,
agunan yang diambil alih dan suspense foreclosed assets and suspense accounts.
accounts.
AYDA adalah aset yang diperoleh Bank, baik Foreclosed asset is an asset acquired through
melalui pelelangan atau di luar pelelangan auction or over the counter based on voluntary
berdasarkan penyerahan secara sukarela oleh submission by collateral owner or based on the
pemilik agunan atau berdasarkan kuasa untuk power of attorney to sell over the counter from
menjual di luar lelang dari pemilik agunan dalam collateral owner in the event of customer’s
hal nasabah tidak memenuhi kewajibannya failure in meeting his liabilities to the Bank
kepada Bank (catatan 2.r). (note 2.r).
Bank wajib menggunakan nilai yang terendah The Bank is required to use the lowest price if
apabila terdapat beberapa nilai dari penilai there are several values proposed by the
independen atau penilai internal Bank. independent or internal appraiser.
AYDA yang telah dilakukan upaya penyelesaian, The quality of foreclosed assets in settlement
ditetapkan memiliki kualitas: process is determined as follows:
a) Lancar, apabila dimiliki sampai dengan a) Current, if acquired within 1 (one) year;
1 (satu) tahun;
b) Macet, apabila dimiliki lebih dari 1 (satu) b) Loss, if acquired more than 1 (one) year.
tahun.
- 17 -

Rekening Antar Kantor adalah akun tagihan Inter-branch account is the claims arising from
yang timbul dari transaksi antar kantor yang inter-branch transactions that are unsettled after
belum diselesaikan dalam jangka waktu a certain period of time.
tertentu.
Suspense account adalah akun yang digunakan Suspense account is an account containing
untuk menampung transaksi yang tidak unidentified transactions or transactions which
teridentifikasi atau tidak didukung dengan are unable to be classified to the proper account
dokumen pencatatan yang memadai sehingga due to the lack of adequate supporting
tidak dapat diklasifikasikan dalam akun yang documents.
seharusnya.
Bank wajib melakukan upaya penyelesaian The Bank is required to settle its inter-branch
rekening antar kantor dan suspense account. account and suspense account.
Kualitas rekening antar kantor dan suspense The quality of inter branch account and
account ditetapkan sebagai berikut: suspense account is determined as follows:
1) Lancar, apabila tercatat dalam pembukuan 1) Current, if the transaction has been
Bank sampai dengan 180 (seratus delapan recorded in the Bank’s book up to 180 (one
puluh) hari. hundred and eighty) days.
2) Macet, apabila tercatat dalam pembukuan 2) Loss, if the transaction has been recorded in
Bank lebih dari 180 (seratus delapan puluh) the Bank’s book over 180 (one hundred and
hari. eighty) days.
d. Giro dan Penempatan pada Bank Indonesia d. Current Accounts and Placements with
Bank Indonesia
Giro dan penempatan pada Bank Indonesia Current accounts and placements with Bank
terdiri dari giro wadiah pada Bank Indonesia dan Indonesia consist of wadiah current accounts
penanaman dana pada Bank Indonesia berupa with Bank Indonesia and placements of funds
Fasilitas Simpanan Bank Indonesia Syariah with Bank Indonesia in the form of Bank
(FASBIS) dan Sertifikat Bank Indonesia Syariah Indonesia Sharia Deposit Facilities (FASBIS) and
(SBIS). Bank Indonesia Sharia Certificates (SBIS).
FASBIS dan SBIS merupakan sertifikat yang FASBIS and SBIS are certificates issued by Bank
diterbitkan Bank Indonesia sebagai bukti Indonesia as a proof of short term fund deposits
penitipan dana berjangka pendek dengan prinsip under wadiah and jualah principles, respectively.
masing-masing adalah wadiah dan jualah. Giro Current accounts and placements with Bank
dan penempatan pada Bank Indonesia disajikan Indonesia are stated at their outstanding
sebesar saldo penempatan. balances of placements.
e. Giro pada Bank Lain e. Current Accounts with Other Banks
Giro pada bank lain dinyatakan sebesar saldo giro Current accounts with other banks are stated at
dikurangi dengan cadangan kerugian penurunan their outstanding balances net of allowance for
nilai. Bonus yang diterima Bank dari bank umum impairment losses. Bonuses received by the
syariah diakui sebagai pendapatan usaha lainnya. Bank from commercial banks based on sharia
Penerimaan jasa giro dari bank non-syariah tidak principles are recognized as other operating
diakui sebagai pendapatan Bank dan digunakan income. Proceeds of interest on current accounts
untuk dana kebajikan (qardhul hasan). from non-sharia banks are not recognized as the
Penerimaan jasa giro dari bank non-syariah Bank's income but are recorded as part of the
tersebut sebelum disalurkan dicatat sebagai qardhul hasan fund. The proceeds of interest on
liabilitas Bank. current accounts from non-sharia banks will be
recorded as the Bank’s liabilities before
distributed.
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2021 Annual Report
f. Penempatan Pada Bank Lain f. Placement with Other Banks
Penempatan pada bank lain adalah penanaman Placements with other banks represent
dana Bank pada bank lainnya yang beroperasi placements in the form of Mudharabah time
dengan menggunakan prinsip syariah berupa deposits and/ or other forms of placement based
deposito berjangka mudharabah dan/atau bentuk on sharia principles.
penempatan lainnya berdasarkan prinsip syariah.
Penempatan pada bank lain dinyatakan sebesar Placements with other banks are stated at their
saldo penempatan dikurangi dengan cadangan outstanding balance net of allowance for
kerugian penurunan nilai. impairment losses.
Investasi wakalah merupakan perjanjian investasi Wakalah investment is placed fund based on
berbasis wakalah dimana Bank akan wakalah that the Bank will receive return in the
mendapatkan tingkat keuntungan berupa laba form of anticipated profit. Funds given by the
diantisipasi. Dana yang diberikan Bank kemudian Bank will be invested in sharia products. Return
diinvestasikan pada produk yang halal. Hasil distributed to the Bank is based on actual profit
diberikan kepada Bank sebesar laba aktual jika if the return from investment was lower than the
hasil investasi berupa laba aktual lebih kecil dari anticipated profit. If return from investment
laba diantisipasi. Jika hasil investasi berupa laba were higher than the anticipated profit, the
aktual lebih besar dari laba diantisipasi maka investee will receive an amount based on
yang diterima Bank adalah sebesar laba anticipated profit whilst the difference will be
diantisipasi dan selisihnya akan menjadi recognized as income of the Bank.
pendapatan Bank.
g. Investasi pada Surat Berharga g. Investments in Marketable Securities
Surat berharga syariah adalah surat bukti Sharia marketable securities are proof of
penanaman dalam surat berharga berdasarkan investments under sharia principles commonly
prinsip syariah yang lazim diperdagangkan di traded in sharia money market and/or sharia
pasar uang syariah dan/atau pasar modal stock exchange, such as sharia bonds (sukuk)
syariah, antara lain obligasi syariah (sukuk) dan and sharia mutual funds certificates.
sertifikat reksadana syariah.
Pada saat pengakuan awal, entitas menentukan At initial recognition, the entity determines the
klasifikasi investasi pada sukuk sebagai diukur classification of investments in sukuk as
pada biaya perolehan atau diukur pada nilai measured at cost or measured at fair value.
wajar.
Investasi pada surat berharga, kecuali Investment in securities, except for mutual fund,
Reksadana, diklasifikasikan berdasarkan model is classified by business model which is
usaha yang ditentukan oleh Bank berdasarkan determined by the Bank based on SFAS No. 110
klasifikasi sesuai PSAK No.110 (Revisi 2020) (revised 2020) regarding ” Accounting for
tentang "Akuntansi Sukuk" sebagai berikut: Sukuk” as follows:
1) Diukur pada biaya perolehan. Investasi 1) Measured at acquisition cost. Investments are
diklasifikasikan sebagai diukur pada biaya classified as measured at cost if: (a) the
perolehan jika: (a) investasi tersebut dimiliki investment is held within a business model
dalam suatu model usaha yang bertujuan with the primary objective of obtaining
utama untuk memperoleh arus kas contractual cash flows; and (b) the cost of
kontraktual; dan (b) biaya perolehan sukuk sukuk includes transaction costs; (c) the
termasuk biaya transaksi; (c) selisih antara difference between its acquisition cost and
biaya perolehan dan nilai nominal diamortisasi the nominal value is amortized using straight
secara garis lurus selama jangka waktu sukuk; line method over the sukuk time period; (d)
(d) rugi penurunan nilai diakui jika jumlah an impairment loss is recognized if the
terpulihkan lebih kecil dari jumlah tercatat dan recoverable amount is less than the carrying
disajikan sebagai penurunan nilai di dalam amount and is presented as impairment in
laporan laba rugi dan penghasilan the statements of profit or loss and other
komprehensif lain. comprehensive income.
- 19 -
g. Investasi pada Surat Berharga g. Investments in Marketable Securities
2) Diukur pada nilai wajar 2) Measured at fair value.
2.a. Investasi diukur pada nilai wajar melalui 2.a. Investments are measured at fair value
penghasilan komprehensif lain (FVTOCI), through other comprehensive income
jika: (FVTOCI), if:
2.a.1. investasi tersebut dimiliki dalam 2.a.1. the investment is held within a
suatu model usaha yang business model with the primary
b e r t u ju an u t am a u n t u k objective of obtaining
memperoleh arus kas contractual cash flows and
kontraktual dan melakukan selling sukuk;
penjualan sukuk;
2.a.2. p e r s y a r a t a n kontraktual 2.a.2. contractual terms specify a

menentukan tanggal tertentu specific date of principal and/or
pembayaran pokok dan/atau result payments;
hasilnya;
2.a.3. biaya perolehan sukuk termasuk 2.a.3. the cost of sukuk includes
biaya transaksi; transaction costs;
2.a.4 selisih antara biaya perolehan 2.a.4. the difference between its
dan nilai nominal diamortisasi acquisition cost and the nominal
secara garis lurus selama jangka value is amortized using straight
waktu sukuk, dan diakui pada line method over the sukuk time
lapo r a n laba r u gi dan period, and is recognized in the
penghasilan komprehensif lain; statements of profit or loss and
other comprehensive income;
2.a.5. Keuntungan dan kerugian dari 2.a.5. Gain and loss from changes in
perubahan nilai wajar diakui fair value is recognized in other
dalam penghasilan komprehensif comprehensive income net of
lain setelah memperhitungan unamortized balance of
saldo biaya perolehan dan nilai acquisition cost and nominal
nominal yang belum diamortisasi value and the balance of
dan saldo akumulasi keuntungan accumulated fair value of profit
atau kerugian nilai wajar yang or loss recognized in the
telah diakui dalam penghasilan previous other comprehensive
komprehensif lain sebelumnya; income; and
dan
2.a.6. Rugi penurunan nilai diakui jika 2.a.6 An impairment loss is

jumlah terpulihkan lebih kecil recognized if the recoverable
dari jumlah tercatat dan amount is less than the carrying
disajikan sebagai penurunan nilai amount and is presented as
di dalam laporan laba rugi dan impairment in the statements of
penghasilan komprehensif lain. profit or loss and other
comprehensive income.
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2021 Annual Report
g. Investasi pada Surat Berharga (lanjutan) g. Investments in Marketable Securities

(continued)
2) Diukur pada nilai wajar (lanjutan) 2) Measured at fair value (continued)

2.b. Investasi diukur pada nilai Wajar melalui 2.b Investments are measured at fair value
Laba Rugi (FVTPL) through Profit or Loss (FVTPL)
2.b.1. Investasi tersebut dimiliki dalam 2.b.1. The investment is held within a
suatu model usaha yang business model with the primary
ber t u j u a n u t a m a u n t u k objective of gaining sales profit;
m em pe r o l e h k e u n t u n g a n
penjualan;
2.b.2. Biaya perolehan sukuk tidak 2.b.2. The cost of sukuk excludes
termasuk biaya transaksi; transaction costs;
2.b.3 Selisih nilai antara nilai wajar 2.b.3. The difference between its fair
dan jumlah tercatat diakui dalam value and carrying value is
lapo r an laba r u gi d an recognized in the statement of
penghasilan komprehensif lain; profit or loss and other
comprehensive income;
2.b.4 Perubahan nilai wajar diakui 2.b.4 The changes of fair value are
dalam laporan laba rugi dan recognized in the statement of
penghasilan komprehensif lain; profit or loss and other
dan comprehensive income; and
2.b.5 Rugi penurunan nilai diakui jika 2.b.5 An impairment loss is
jumlah terpulihkan lebih kecil recognized if the recoverable
dari jumlah tercatat dan amount is less than the carrying
disajikan sebagai penurunan nilai amount and is presented as
di dalam laporan laba rugi dan impairment in the statement of
penghasilan komprehensif lain. profit or loss and other
Investasi dalam unit penyertaan reksadana Investments in sharia mutual funds are stated at
syariah dinyatakan sebesar nilai pasar sesuai nilai market value based on net asset value of mutual
aset bersih dari reksadana pada tanggal laporan funds on the date of the statement of financial
posisi keuangan. position.
Wesel ekspor merupakan transaksi yang timbul Export bills are transactions that occur due to
karena adanya pembayaran dimuka kepada pihak advance payments to other parties in connection
lain sehubungan dengan transaksi ekspor impor with export and import transactions of
nasabah. Wesel ekspor dinyatakan sebesar customers. Export bills are stated at their
saldonya. outstanding balance.
h. Piutang h. Receivables
Piutang adalah tagihan yang timbul dari transaksi Receivables represent claims arising from the
jual beli berdasarkan akad murabahah dan sale and purchase transactions based on
istishna serta tagihan pokok sewa yang murabahah and istishna contract as well as
tertunggak atas transaksi dengan akad ijarah. overdue principal lease claims of transactions
under ijarah contract.
Murabahah adalah akad jual beli antara nasabah Murabahah is a sale and purchase contract
dengan Bank, dimana Bank membiayai between the customer and Bank, whereby Bank
kebutuhan konsumsi, investasi dan modal kerja finances the consumption, investment and
nasabah yang dijual dengan harga pokok working capital needs of the customer, sold at a
ditambah dengan keuntungan yang diketahui dan principal price plus a certain margin that is
disepakati bersama. Pembayaran atas mutually informed and agreed. Repayment on
pembiayaan ini dilakukan dengan cara this financing is made in installments within a
mengangsur dalam jangka waktu yang specified period.
ditentukan.
- 21 -
h. Piutang (lanjutan) h. Receivables (continued)

Piutang murabahah pada awalnya diukur pada Murabahah receivables are initially measured at
nilai wajar ditambah/dikurangkan dengan fair value plus/minus directly attributable
pendapatan dan/atau biaya transaksi yang dapat transaction cost and/or income that are
diatribusikan secara langsung dan merupakan additional income and/or cost to obtain the
pendapatan dan/atau biaya tambahan untuk respected financial assets, and after the initial
memperoleh aset keuangan tersebut dan setelah recognition murabahah receivables are
pengakuan awal diukur pada biaya perolehan measured at amortized cost using the effective
diamortisasi menggunakan metode margin efektif margin method less any allowance for
dikurangi dengan cadangan kerugian penurunan impairment losses.
nilai.
Istishna adalah akad penjualan antara Istishna is a sale and purchase contract between
al-mustashni (pembeli) dan al-shani (produsen al-mustashni (buyer) and al-shani (manufacturer
yang juga bertindak sebagai penjual). also acting as the seller). Based on the contract,
Berdasarkan akad tersebut, pembeli menugasi the buyer orders the manufacturer to produce or
produsen untuk membuat atau mengadakan to supply al-mashnu (goods ordered) according
al-mashnu (barang pesanan) sesuai spesifikasi to the specifications required by the buyer and
yang diisyaratkan pembeli dan menjualnya to sell them at agreed price.
dengan harga yang disepakati.
Piutang istishna disajikan sebesar tagihan termin Istishna receivables are stated at the amount
kepada pembeli akhir dikurangi dengan cadangan billed to final customer less allowance for
kerugian penurunan nilai. Margin istishna yang impairment losses. Deferred istishna margin is
ditangguhkan disajikan sebagai pos lawan presented as a contra account of istishna
piutang istishna. receivables.
Piutang ijarah (porsi pokok sewa) merupakan Ijarah receivables are based on unrealized
akrual piutang sewa atas porsi pokok yang belum accrual rent income from principal portion and;
direalisasikan oleh nasabah dan; piutang Ijarah receivable represents portion of accrual
pendapatan ijarah merupakan akrual piutang rent income (ujroh) from the following month’s
sewa atas bagian keuntungan (ujroh) transaksi installment of ijarah muntahiyah bittamlik which
ijarah muntahiyah bittamlik dari angsuran is recognized proportionally.
nasabah pada bulan berikutnya yang diakui
secara proporsional.
Piutang pendapatan ijarah diakui pada saat jatuh Ijarah income receivables are recognized at
tempo sebesar sewa porsi ujroh dan piutang maturity in the amount of ujroh portion of rent
ijarah sebesar sewa porsi pokok yang belum and ijarah receivables are recognized at accrued
diterima dan disajikan sebesar nilai bersih yang principal portion of rent and presented at the net
dapat direalisasikan, yaitu sebesar saldo piutang. realizable value, which is equal to the balance of
the receivables.
i. Pinjaman Qardh i. Funds of Qardh
Pinjaman qardh adalah penyaluran dana dengan Funds of qardh represent a distribution of funds
akad qardh. under qardh agreement.
Akad qardh adalah akad pinjaman dana kepada Qardh agreement is a borrowing agreement with
nasabah dengan ketentuan bahwa nasabah wajib the condition that the borrower should repay the
mengembalikan dana yang diterimanya pada financing at a specified period of time.
waktu yang telah disepakati.
Pinjaman qardh meliputi pembiayaan dengan Funds of qardh include hawalah financing
akad hawalah. Akad hawalah adalah akad agreement. Hawalah is transfer of debts from
pengalihan utang dari pihak yang berutang debtors (customer) to another party (Bank)
(nasabah) kepada pihak lain (Bank) yang wajib which is obligated to assume the liability or to
menanggung atau membayar. Atas transaksi ini pay. The Bank will obtain a fee (ujroh) from this
Bank mendapatkan imbalan (ujroh) dan diakui transaction, which is recognized as income when
sebagai pendapatan pada saat diterima. received.
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2021 Annual Report
i. Pinjaman Qardh (lanjutan) i. Funds of Qardh (continued)
Pinjaman qardh meliputi pembiayaan dengan Funds of qardh include hawalah financing
akad hawalah. Akad hawalah adalah akad agreement. Hawalah is transfer of debts from
pengalihan utang dari pihak yang berutang debtors (customer) to another party (Bank)
(nasabah) kepada pihak lain (Bank) yang wajib which is obligated to assume the liability or to
menanggung atau membayar. Atas transaksi ini pay. The Bank will obtain a fee (ujroh) from this
Bank mendapatkan imbalan (ujroh) dan diakui transaction, which is recognized as income when
sebagai pendapatan pada saat diterima. received.
Pinjaman qardh diakui sebesar jumlah dana yang Funds of Qardh are recognized at the same
dipinjamkan pada saat terjadinya. Kelebihan amount of funds lent when incurred. Any excess
penerimaan dari pinjaman atas qardh yang amount paid by the borrower in repaying a
dilunasi diakui sebagai pendapatan/ujroh pada qardh is recognized as revenue/ujroh when
saat terjadinya. Pada tanggal laporan posisi incurred. On the date of the statement of
keuangan, pinjaman qardh dinyatakan sebesar financial position, fund of qardh is stated at the
saldo pinjaman dikurangi dengan saldo cadangan outstanding financing balance less allowance for
kerugian penurunan nilai yang dibentuk impairment losses which is provided based on
berdasarkan hasil penilaian oleh manajemen the management’s review of the financing
terhadap kualitas pembiayaan yang ada. quality.
j. Pembiayaan j. Financing
Mudharabah merupakan pembiayaan kerjasama Mudharabah financing is a joint financing made

antara Bank sebagai pemilik dana (shahibul maal) between Bank as the owner of the funds
dengan nasabah sebagai pelaksana usaha (shahibul maal) and the customer as a business
(mudharib) selama jangka waktu tertentu. executor (mudharib) during a certain period. The
Pembagian hasil keuntungan dari proyek atau profit sharing from the project or the business is
usaha tersebut ditentukan sesuai dengan nisbah determined in accordance with the mutually
(pre-determined ratio) yang telah disepakati agreed nisbah (pre-determined ratio). On the
bersama. Pada tanggal laporan posisi keuangan, date of the statement of financial position,
pembiayaan mudharabah dinyatakan sebesar mudharabah financing is stated at the
saldo pembiayaan dikurangi dengan saldo outstanding financing balance less allowance for
cadangan kerugian penurunan nilai yang impairment losses which is provided based on
dibentuk berdasarkan hasil penilaian oleh the management’s review of the financing
manajemen terhadap kualitas pembiayaan yang quality.
ada.
Musyarakah adalah akad kerjasama yang terjadi Musyarakah is a partnership contract among
diantara para pemilik modal untuk funds owners to contribute funds and conduct a
menggabungkan modal dan melakukan usaha business on a joint venture basis in a partnership
secara bersama dalam suatu kemitraan dengan with the profit sharing based on a predetermined
nisbah pembagian hasil sesuai dengan ratio, while the losses are borne proportionally
kesepakatan, sedangkan kerugian ditanggung based on the capital contribution. On the date of
secara proporsional sesuai dengan kontribusi the statement of financial position, Musyarakah
modal. Pada tanggal laporan posisi keuangan, financing is stated at the outstanding financing
pembiayaan musyarakah dinyatakan sebesar balance less allowance for impairment losses
saldo pembiayaan dikurangi dengan saldo which is provided based on the management’s
cadangan kerugian penurunan nilai yang review on the financing quality. The Bank sold its
dibentuk berdasarkan hasil penilaian oleh KPR to third parties. In relation with the above
manajemen terhadap kualitas pembiayaan yang mentioned sale, the Bank has transferred the
ada. Bank telah melakukan penjualan atas KPR risk and rewards of ownership of the KPR to
kepada pihak ketiga. Atas penjualan tersebut, counterparty. Hence, at the effective date of the
Bank telah memindahkan risiko dan manfaat atas sale, the Bank derecognized the KPR.
kepemilikan KPR kepada pihak lawan. Oleh
karena itu, pada tanggal efektif penjualan, Bank
menghentikan pengakuan atas KPR tersebut.
- 23 -
k. Tagihan dan Liabilitas Akseptasi k. Acceptance Receivables and Payables
Tagihan dan liabilitas akseptasi merupakan Acceptance receivables and payables represent
transaksi Letter of Credit (L/C) dan Surat Kredit Letters of Credit and Domestic Letters of Credit
Berdokumen Dalam Negeri (SKBDN) yang transactions that have been accepted by the
diaksep oleh bank pengaksep (accepting bank). accepting bank.
Tagihan dan liabilitas akseptasi dinyatakan Acceptance receivables and payables are stated
sebesar nilai Letter of Credit (L/C) dan Surat at value of Letters of Credit and Domestic
Kredit Berdokumen Dalam Negeri (SKBDN). Letters of Credit. Acceptance receivables are
Tagihan akseptasi disajikan setelah dikurangi stated net of allowance for impairment losses.
cadangan kerugian penurunan nilai.
Tagihan akseptasi diklasifikasikan sebagai biaya Acceptance receivables are classified as

perolehan diamortisasi. Liabilitas akseptasi amortized costs. Acceptances payables are
diklasifikasikan sebagai liabilitas keuangan yang classified as financial liabilities at amortized cost.
diukur dengan biaya perolehan diamortisasi.
l. Surat-surat Berharga yang Dibeli dengan l. Securities purchased/sold under resale/

Janji Dijual Kembali dan Surat-surat repurchase agreements
Berharga yang Dijual dengan Janji Dibeli
Kembali
Transaksi Repo dengan Bank Indonesia Repo transactions with Bank Indonesia use
menggunakan akad Rahn dan Qardh serta Al Ba'i Rahn and Qardh contracts, as well as Al Ba'i Al
Al Wa'd. Surat-surat berharga yang dijual dengan Wa'd. Marketable securities sold under
janji untuk dibeli kembali pada pengakuan awal repurchase agreement at initial recognition are
disajikan sebagai surat berharga Repo dengan presented as Repo securities by reversing
mereverse surat berharga, dan menyajikan securities, and presenting Repo liabilities to an
kewajiban Repo pada liabilitas sejumlah nilai agreed amount of liability or market price as
yang disepakati atau harga pasar sebagai liabilities at the purchase price of the securities.
kewajiban sebesar harga beli kembali surat Marketable securities sold are recorded as repo
berharga tersebut. Surat berharga yang dijual securities in the financial statements. With this
dicatat sebagai surat berharga repo dalam repo mechanism the risks and benefits of
laporan keuangan. Dengan mekanisme repo ini securities substantially remain with the seller.
secara substansi risiko dan manfaat surat-surat
berharga tetap berada pada pihak penjual.
Transaksi Reverse Repo dengan Bank Indonesia Reverse Repo Transactions with Bank Indonesia
menggunakan akad yang sama dengan transaksi use the same contract as Repo transactions.
Repo. Surat-surat berharga yang dibeli dengan Marketable securities purchased with a promise
janji untuk dijual kembali pada pengakuan to resell on initial recognition are presented as
awalnya disajikan sebagai tagihan Reverse Repo Reverse Repo bills at an agreed transaction
sejumlah nilai transaksi yang disepakati atau value or market price.
harga pasar.
Transaksi Repo antar bank menggunakan akad Al Repo transactions between banks use the Al Ba'i
Ba'i disertai dengan Wa'd dimana surat-surat contract accompanied with Wa'd where
berharga dijual secara Al Ba'i Al Haqiqi atau jual securities are sold in Al Ba'i Al Haqiqi transaction
beli putus sebesar harga beli kembali yang or an outright sale and purchase and
disepakati atau harga pasar dan disertai dengan accompanied with a repurchase agreement (Al
janji membeli kembali (Al Wa’d), disajikan Wa'd) at the agreed repurchase price or market
dengan mereverse surat berharga dan mencatat price, presented by reversing the securities and
janji membeli kembali (Al Wa'd) pada off balance recording the repurchase agreement (Al Wa'd)
sheet sejumlah nilai transaksi Repo. Secara on the off balance sheet. Substantially, the risks
substansi risiko dan manfaat surat-surat and benefits of securities are transferred to the
berharga beralih ke pihak pembeli. Begitu juga buyer. Reverse Repo transactions between
halnya dengan transaksi Reverse Repo antar banks use the same mechanism as Repo
bank menggunakan mekanisme yang sama transactions.
dengan transaksi Repo.
- 24 -
2021 Annual Report
m. Penyertaan Saham m. Investment in Shares
Penyertaan saham terutama merupakan Investment in shares of stocks represents

penanaman dana dalam bentuk saham pada investment of funds in the form of shares of non
perusahaan yang bergerak di bidang keuangan public companies engaged in financing activities
yang tidak melalui pasar modal untuk tujuan for long-term investment purposes.
investasi jangka panjang.
Investasi Bank pada entitas asosiasi diukur Bank’s investments in its associate companies
dengan menggunakan metode ekuitas. Entitas are measured using the equity method. An
asosiasi adalah suatu entitas dimana Bank associated entity is an entity in which Bank has
mempunyai pengaruh signifikan atau significant influence or share ownership of more
kepemilikan saham lebih dari 20% hak suara. than 20% of the voting rights. The initial
Pengakuan awal investasi pada entitas asosiasi recognition of investments in associates are
diakui sebesar biaya perolehan, dan jumlah recognized at cost and the carrying amount is
tercatat tersebut ditambah atau dikurangkan added or subtracted to recognize the Bank’s
untuk mengakui bagian Bank atas laba rugi portion of profit or loss of associates after the
entitas asosiasi setelah tanggal perolehan. acquisition date. Bank’s portion of profit or loss
Bagian Bank atas laba rugi entitas asosiasi of associates are recognized in statement of
diakui dalam laporan laba rugi dan penghasilan profit or loss and other comprehensive income.
komprehensif lain. Penerimaan distribusi dari Receipt of distributions from subsidiaries reduce
entitas anak mengurangi nilai tercatat investasi. the carrying amount of the investment.
Penyertaan modal sementara adalah penyertaan Temporary investment in shares is capital

modal oleh Bank dalam perusahaan debitur participation by a Bank in a debtor company to
untuk mengatasi akibat kegagalan pembiayaan overcome the consequences of financing failure
sebagaimana yang dimaksud dalam ketentuan as referred to in applicable Bank Indonesia
Bank Indonesia yang berlaku. regulations.
Dividen kas yang diterima atas penyertaan Cash dividends received from investment in
saham diakui sebagai pendapatan. shares of stocks are recognized as income.
n. Aset yang Diperoleh untuk Ijarah n. Assets Acquired for Ijarah
Aset yang diperoleh untuk ijarah merupakan Assets acquired for ijarah represent object of
aset yang menjadi objek transaksi sewa (ijarah) leased assets and are recorded in the statement
dan dicatat di laporan posisi keuangan sebesar of financial position at the acquisition cost, net
harga perolehan dikurangi akumulasi of accumulated depreciation.
penyusutan.
Objek sewa dalam transaksi ijarah disusutkan Leased object in ijarah transaction is depreciated
sesuai kebijakan penyusutan aset sejenis, based on the depreciation policy for similar
sedangkan objek sewa dalam ijarah muntahiyah assets, while leased object in ijarah muntahiyah
bittamlik disusutkan sesuai masa sewa. bittamlik transaction is depreciated based on
lease term.
Ijarah muntahiyah bittamlik adalah sewa Ijarah muntahiyah bittamlik is a lease

menyewa antara pemilik objek sewa dan transaction between the lessor and lessee to
penyewa untuk mendapatkan imbalan atas obtain fee from the object leased with the option
objek sewa yang disewakan dengan opsi of transferring the title through purchase or
perpindahan hak milik objek sewa baik dengan grant at a certain time in accordance with the
jual beli atau pemberian (hibah) pada saat lease agreement.
tertentu sesuai akad sewa.
- 25 -
n. Aset yang Diperoleh untuk Ijarah n. Assets Acquired for Ijarah (continued)
(lanjutan)
Perpindahan hak milik objek sewa kepada The transfer of title of the leased object to the
penyewa dalam ijarah muntahiyah bittamlik lessee in ijarah muntahiyah bittamlik can be
dapat dilakukan dengan cara: conducted through:
(i) hibah; (i) a grant;
(ii) penjualan sebelum akad berakhir sebesar (ii) sale prior to the end of agreement for an
harga yang sebanding dengan sisa cicilan amount equivalent to the remaining lease
sewa; installments;
(iii) penjualan pada akhir sewa dengan (iii) sale prior to the end of the agreement at
pembayaran tertentu yang disepakati pada a specified amount as agreed at the
awal akad; dan inception of the agreement; and
(iv) penjualan secara bertahap sebesar harga (iv) installment sales at a specific price as
tertentu yang disepakati dalam akad. agreed in the agreement.
o. Pinjaman yang diterima o. Fund borrowings
Pinjaman diterima merupakan dana yang Fund borrowings are funds received from other
diterima dari pihak lain dengan liabilitas party with payment based on borrowings
pembayaran kembali sesuai dengan persyaratan agreement.
perjanjian pinjaman.
Pinjaman diterima diakui sebesar biaya Fund borrowings are recognized at cost.
perolehan.
p. Aset Tetap p. Premises and Equipment
Bank menerapkan PSAK No. 16 (Revisi 2015), The Bank adopts SFAS No. 16 (Revised 2015),
“Aset Tetap” dan ISAK No. 25, “Hak atas Tanah”. “Premises and Equipment” and IFAS No. 25,
“Land Rights”.
ISAK 25 menetapkan bahwa biaya pengurusan IFAS 25 prescribes that the legal costs of land
legal hak atas tanah dalam bentuk Hak Guna rights in the form of Rights on Land for
Usaha (“HGU”), Hak Guna Bangunan (“HGB”) dan Commercial Use (“Hak Guna Usaha” or “HGU”),
Hak Pakai (“HP”) ketika tanah diperoleh pertama Rights on Land for Building (Hak Guna Bangunan
kali diakui sebagai bagian dari biaya perolehan or “HGB”) and Rights to Use (“Hak Pakai” or
tanah pada akun “Aset Tetap” dan tidak “HP”) when the land was initially acquired are
diamortisasi. recognized as part of the cost of the land under
the “Premises and Equipment” account and are
not amortized.
Aset tetap awalnya diakui sebesar biaya Premises and equipment are initially recognized
perolehan, yang terdiri atas harga perolehan dan at cost, which comprises its purchase price and
biaya-biaya tambahan yang dapat diatribusikan any costs directly attributable to bringing the
langsung untuk membawa aset ke lokasi dan asset to the location and condition necessary for
kondisi yang diinginkan supaya aset tersebut siap it to be capable of operating in the manner
digunakan sesuai dengan maksud manajemen. intended by the management.
Efektif sejak tanggal 1 November 2014, Bank Effective November 1, 2014, the Bank changed
merubah kebijakan akuntansinya dari metode its accounting policy from cost method to
harga perolehan menjadi metode revaluasi. Bank revaluation method. The Bank revalued all of its
melakukan penilaian kembali atas seluruh aset existing premises and equipment using the
tetap yang dimiliki Bank dengan menggunakan services of external independent appraisal which
jasa dari penilai independen eksternal yang telah is registered at FSA.
terdaftar di OJK.
Metodologi penilaian yang digunakan Bank dalam Valuation method used is Market Data Approach.
metode revaluasi yaitu pendekatan data pasar
(market data approach).
- 26 -
2021 Annual Report
p. Aset Tetap (lanjutan) p. Premises and Equipment (continued)
Kenaikan nilai tercatat yang timbul dari revaluasi Increases in the carrying amount arising from
aset tetap dikreditkan pada “surplus revaluasi revaluation of premises and equipment are
atas aset tetap” sebagai bagian dari penghasilan credited to “revaluation surplus on premises and
komprehensif lainnya. Penurunan yang equipment” as part of other comprehensive
menghapus nilai kenaikan yang sebelumnya atas income. Decreases that offset previous increases
aset yang sama dibebankan terhadap “surplus of the same asset are debited against
revaluasi atas aset tetap” sebagai bagian dari “revaluation surplus on premises and
penghasilan komprehensif; penurunan lainnya equipment” as part of other comprehensive
dibebankan pada laporan laba rugi dan income; all other decreases are charged to
penghasilan komprehensif lain. statement of profit or loss and other
Penyajian revaluasi aset tetap dilakukan melalui Presentation of revaluation of premises and
akumulasi penyusutan pada tanggal revaluasi equipment through accumulated depreciation at
dieliminasi terhadap nilai tercatat bruto aset dan the date of revaluation is eliminated against the
nettonya disajikan kembali sebesar jumlah gross carrying value of premises and equipment,
revaluasi aset. Nilai akumulasi depresiasi dan and the net is restated at the amount of
harga perolehan dinaikkan secara proporsional revaluation of premises and equipment. The
sehingga nilai bersih aset sama dengan nilai value of accumulated depreciation and
revaluasi. acquisition price is increased proportionally so
that the net value of premises and equipment is
equal to the revaluation value.
Setiap periode pelaporan, selisih antara In each reporting period, the difference between
penyusutan berdasarkan nilai revaluasi aset yang depreciation based on the revalued carrying
diakui di dalam laporan laba rugi dan penghasilan amount of the asset charged to statement of
komprehensif lain dan penyusutan harga profit or loss and other comprehensive income
perolehan awal aset ditransfer dari “surplus and depreciation based on the asset’s original
revaluasi atas aset tetap” ke dalam “saldo laba”. cost is transferred from “revaluation surplus on
premises and equipment” to “retained earnings”.
Revaluasi aset tetap dilakukan setiap tahun atau The revaluation of premises and equipment is
memiliki keteraturan yang cukup reguler untuk carried out every year or has periodic regularity
memastikan bahwa jumlah tercatat tidak berbeda to ensure that the carrying amount is not
secara material dengan jumlah yang ditentukan different in material respect from the amount
dengan menggunakan nilai wajar pada akhir determined at fair value at the end of the
periode pelaporan, dan jika suatu aset tetap reporting period, and in the event that premises
direvaluasi, maka seluruh aset tetap dalam kelas and equipment is revaluated, all premises and
yang sama direvaluasi. equipment in the same class are revaluated.
Aset tetap yang diperoleh dalam pertukaran aset Premises and equipment acquired in exchange
non moneter atau kombinasi aset moneter dan for a non-monetary asset or for a combination of
non moneter diukur pada nilai wajar, kecuali: monetary and non-monetary assets are
measured at fair values, unless:
(i) transaksi pertukaran tidak memiliki substansi (i) the exchange transaction lacks commercial
komersial, atau substance, or
(ii) nilai wajar dari aset yang diterima dan (ii) the fair value of neither the assets received
diserahkan tidak dapat diukur secara andal. nor the assets given up can be measured
reliably.
- 27 -
p. Aset Tetap (lanjutan) p. Premises and Equipment (continued)
Penyusutan aset tetap dimulai pada saat aset Depreciation of premises and equipment starts
tersebut siap untuk digunakan sesuai maksud when it is available for its intended use and is
penggunaannya dan dihitung dengan computed using the straight line method based
menggunakan metode garis lurus berdasarkan on the estimated economic useful lives of the
estimasi umur manfaat ekonomis sebagai assets as follows:
berikut:
Tahun/ Tarif Penyusutan/
Years Depreciation Rate
Bangunan 20 5% Buildings
Kendaraan bermotor 5 20% Vehicles
Inventaris kantor 5 20% Office equipments
Komputer 5 20% Computers
Perbaikan sarana dan prasarana 5 20% Leasehold improvement
Masa manfaat ekonomis, nilai residu dan metode The estimated useful lives, residual values and
penyusutan dianalisa setiap akhir tahun dan depreciation method are reviewed at the end of
pengaruh dari setiap perubahan estimasi tersebut each year, with the effect of any changes in
berlaku prospektif. estimate accounted for on a prospective basis.
Tanah dinyatakan sebesar biaya perolehan dan Land is stated at its amortized cost and is not
tidak disusutkan. depreciated.
Konstruksi dalam penyelesaian dicatat sebesar Constructions in-progress are stated at cost,
biaya perolehan, yang mencakup kapitalisasi including capitalized borrowing costs and other
beban pinjaman dan biaya-biaya lainnya yang charges incurred in connection with the financing
terjadi sehubungan dengan pendanaan aset of the said asset constructions. The accumulated
tetap dalam penyelesaian tersebut. Akumulasi costs will be reclassified to the appropriate
biaya perolehan akan direklasifikasi ke akun “Aset “Premises and Equipment” account when the
Tetap” yang bersangkutan pada saat aset tetap construction is completed.
tersebut telah selesai.
Beban pemeliharaan dan perbaikan dibebankan The costs of maintenance and repairs are
pada laporan laba rugi dan penghasilan charged to statement of profit or loss and other
komprehensif lain pada saat terjadinya. comprehensive income as incurred. Other costs
Biaya-biaya lain yang terjadi selanjutnya yang incurred subsequently to add to, replace part of,
timbul untuk menambah, mengganti atau or service an item of premises and equipment
memperbaiki aset tetap dicatat sebagai biaya are recognized as cost of assets if and only if it
perolehan aset, jika dan hanya jika besar is probable that future economic benefits
kemungkinan manfaat ekonomis di masa depan associated with the item will flow to the entity
berkenaan dengan aset tersebut akan mengalir and the cost of the item can be measured
ke entitas dan biaya perolehan aset dapat diukur reliably.
secara andal.
Aset tetap yang sudah tidak digunakan lagi atau When assets are retired or otherwise disposed
yang dijual dikeluarkan dari kelompok aset tetap of, their carrying values and the related
berikut akumulasi penyusutannya. Keuntungan accumulated depreciation and any impairment
atau kerugian dari penjualan aset tetap tersebut loss are removed from the accounts and any
dibukukan dalam laporan laba rugi dan resulting gain or loss is reflected in statement of
penghasilan komprehensif lain. profit or loss and other comprehensive income.
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2021 Annual Report
q. Aset Sewa Pembiayaan q. Assets under Finance Lease

Aset sewa pembiayaan disajikan di laporan posisi Assets under finance lease are presented in the
keuangan tergabung dalam aset tetap. statement of financial position as premises and
Penyusutan aset sewa pembiayaan sesuai equipment. The depreciation of assets under
dengan tarif penyusutan aset tetap. finance lease are adjusted to the rate of
depreciation of premises and equipment.
Pembayaran sewa harus dipisahkan antara Lease payments are apportioned between
bagian yang merupakan beban keuangan dan finance charges and reduction of the lease
bagian yang merupakan pengurangan dari obligation so as to achieve a constant rate of
liabilitas sewa sehingga mencapai suatu tingkat interest on the remaining balance of the liability.
bunga yang konstan (tetap) atas saldo liabilitas. Contingent rentals are recognized as expenses in
Rental kontinjen dibebankan pada periode the periods in which they are incurred.
terjadinya.
Aset pembiayaan dan Aset Hak Guna Sewa Assets under finance leases and right of use
disusutkan berdasarkan taksiran masa manfaat assets are depreciated over their expected useful
ekonomis yang sama dengan aset yang dimiliki lives on the same basis as owned assets or,
sendiri atau disusutkan selama jangka waktu whenever shorter, the term of the relevant lease
yang lebih pendek antara periode masa sewa dan and its useful lives.
umur manfaatnya.
Masa manfaat ekonomis, nilai residu dan metode The estimated useful lives, residual values and
penyusutan direviu setiap akhir tahun dan depreciation method are reviewed at each year
pengaruh dari setiap perubahan estimasi tersebut end, with the effect of any changes in estimate
berlaku prospektif. accounted for on a prospective basis.
Jika jumlah yang dapat diperoleh kembali dari If the recoverable amount of a non-financial
aset non-keuangan (unit penghasil kas) kurang asset (cash generating unit) is less than its
dari nilai tercatatnya, nilai tercatat aset (unit carrying amount, the carrying amount of the
penghasil kas) dikurangi menjadi sebesar nilai asset (cash generating unit) is reduced to its
yang dapat diperoleh kembali dan rugi recoverable amount and an impairment loss is
penurunan nilai diakui langsung ke laba rugi. recognized immediately to profit or loss.
Aset Hak Guna dan Liabilitas Sewa Right of Use Assets and Lease Liabilities
Bank telah menerapkan PSAK No. 73 "Sewa" The Bank has applied SFAS No. 73 “Lease" since
sejak tanggal 1 Januari 2020. January 1, 2020.
PSAK No. 73 menerapkan persyaratan baru atau SFAS No. 73 introduces new or amended
amandemen sehubungan dengan akuntansi requirements with respect to lease accounting.
sewa. Standar ini memperkenalkan perubahan This standard introduces significant changes to
signifikan untuk akuntansi lessee dengan lessee accounting by removing the distinction
menghapus perbedaan antara sewa operasi dan between operating and finance lease, and
pembiayaan, serta mensyaratkan pengakuan aset requiring the recognition of a right-of-use asset
hak guna dan pengakuan liabilitas sewa pada and a lease liability at commencement for all
saat dimulainya sewa untuk seluruh sewa, leases, except for:
kecuali:
a. Sewa dengan jangka waktu kurang atau sama a. Leases with a term of less or equal to 12
dengan 12 bulan dan tidak terdapat opsi beli; months and there is no call option;
b. Sewa atas aset dengan nilai rendah. b. Leases of low value assets.
Berbeda dengan akuntansi lessee, persyaratan In contrast to lessee accounting, the
untuk akuntansi lessor sebagian besar tidak requirements for lessor accounting have
berubah. Dampak dari adopsi PSAK No. 73 pada remained largely unchanged. The impact of the
laporan keuangan dijelaskan di bawah ini. adoption of SFAS No. 73 on the financial
statements is described below.
- 29 -
q. Aset Sewa Pembiayaan (lanjutan) q. Assets under Finance Lease (continued)
Tanggal penerapan awal PSAK No. 73 untuk Bank The date of initial application of SFAS No. 73 for
adalah 1 Januari 2020. Bank telah menerapkan the Bank is January 1, 2020. The Bank has
PSAK No.73 menggunakan pendekatan applied SFAS No. 73 using the modified
retrospektif yang dimodifikasi dengan mengakui retrospective approach by recognizing the
dampak kumulatif dari awal penerapan PSAK cumulative impact of the initial application of
No.73. SFAS No. 73.
a. Dampak definisi baru dari sewa a. Impact of the new definition of a lease
Perubahan utama dari definisi sewa berkaitan The major change in definition of a lease
dengan konsep pengendalian. PSAK No. 73 mainly relates to the concept of control. SFAS
menentukan apakah kontrak mengandung No. 73 determines whether a contract
sewa atas dasar jika terdapat aset contains a lease on the basis of whether
identifikasian dan lessee memiliki hak untuk identified asset and lessee has the right to
mengendalikan penggunaan aset selama control the use of an asset for a period of
suatu jangka waktu tertentu untuk time in exchange for consideration. This is in
dipertukarkan dengan imbalan. Hal tersebut contrast to the focus on 'risks and rewards' in
merupakan perbedaan penentuan kontrak SFAS No.30.
merupakan, atau mengandung sewa
berdasarkan PSAK No. 30 yaitu dengan
konsep risiko dan manfaat.
b. Dampak pada akuntansi lessee b. Impact on lessee accounting
Bank menerapkan pendekatan pengakuan dan The Bank applies a single recognition and
pengukuran tunggal untuk seluruh sewa, measurement approach to all leases, except
kecuali untuk sewa jangka pendek dan sewa for short-term leases and low-value asset
aset bernilai rendah. Bank mengakui liabilitas leases. The Bank recognized a lease liabilities
sewa untuk melakukan pembayaran sewa dan to make lease payments and right-of-use
aset hak guna yang mewakili hak untuk assets that represent the right to use the
menggunakan aset pendasar. underlying asset.
Bank mengakui liabilitas sewa sebesar jumlah The Bank recognized lease liabilities at the
pembayaran sewa yang masih harus dibayar amount of lease payments accrued to the end
hingga akhir masa sewa yang didiskontokan of the lease term which is discounted using
dengan menggunakan suku bunga pinjaman the incremental borrowing rate. While, the
inkremental. Sedangkan aset hak guna right-of-use assets includes the amount of
mencakup jumlah liabilitas sewa yang diakui, lease liabilities recognized, initial direct costs
biaya langsung awal yang dibayarkan, biaya paid, restoration costs and lease payments on
pemulihan dan pembayaran sewa yang or before the start date of the lease, less
dilakukan pada atau sebelum tanggal mulai lease incentives received. Right-of-use assets
sewa, dikurangi insentif sewa yang diterima. are depreciated using the straight-line method
Aset hak guna disusutkan dengan metode over the shorter period between the lease
garis lurus selama jangka waktu yang lebih term and the estimated useful life of the
pendek antara masa sewa dengan estimasi asset.
masa manfaat aset.
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2021 Annual Report
b. Dampak pada akuntansi lessee (lanjutan) b. Impact on lessee accounting (continued)
Jika kepemilikan aset sewa dialihkan ke Bank If the ownership of lease asset is transferred
pada akhir masa sewa atau pembayaran sewa to the Bank at the end of the lease term or
mencerminkan pelaksanaan opsi pembelian, the lease payments reflect the exercise of the
penyusutan dihitung menggunakan estimasi purchase option, depreciation is calculated
masa manfaat ekonomis aset. Aset hak guna using the estimated useful life of the assets.
diuji penurunan nilainya sesuai dengan PSAK Right-of-use assets are tested for impairment
No. 48 Penurunan Nilai Aset. in accordance with SFAS No.48.
Pada tanggal dimulainya sewa, Bank On the initial lease date, the Bank recognized
mengakui liabilitas sewa yang diukur pada lease liabilities measured at the present value
nilai kini dari pembayaran sewa masa depan of future lease payments that will be paid over
yang akan dibayarkan selama masa sewa. the lease term. Lease payments include fixed
Pembayaran sewa termasuk pembayaran payments (including substantially fixed
tetap (termasuk pembayaran tetap payments), less lease incentive receivables,
secara-substansi) dikurangi piutang insentif variable lease payments that depends on
sewa, pembayaran sewa variabel yang index or interest rate, and the expected
bergantung pada indeks atau suku bunga, dan amount to be paid in a residual value
jumlah yang diharapkan akan dibayar dalam guarantee. Lease payments also include the
jaminan nilai residu. Pembayaran sewa juga reasonable exercise price for the purchase
termasuk harga eksekusi opsi pembelian yang option if it is determined to be made by the
wajar jika dipastikan akan dilakukan oleh Bank Bank and the payment of a penalty to
dan pembayaran penalti untuk mengakhiri terminate the lease, if the lease term reflects
sewa, jika jangka waktu sewa mencerminkan the Bank exercising the lease termination
Bank mengeksekusi opsi penghentian sewa. option. Variable lease payments that do not
Pembayaran sewa variabel yang tidak depend on an index or interest rate are
bergantung pada indeks atau suku bunga recognized as an expense in the period in
diakui sebagai beban pada periode di mana which the event or condition that triggers the
peristiwa atau kondisi yang memicu payment occurs.
pembayaran terjadi.
Dalam menghitung nilai kini dari pembayaran In calculating the present value of lease
sewa, Bank menggunakan suku bunga payments, the Bank uses the lessee
pinjaman inkremental penyewa pada tanggal incremental borrowing rate at the inception
dimulainya sewa karena suku bunga implisit date of the lease since the interest rate
dalam sewa tidak dapat ditentukan. Setelah implicit in the lease cannot be determined.
tanggal dimulainya sewa, jumlah liabilitas After the inception date of the lease, the
sewa ditingkatkan untuk mencerminkan amount of the lease liability is increased to
pertambahan bunga dan dikurangi reflect the interest increase and less lease
pembayaran sewa yang dilakukan. Selain itu, payments made. Furthermore, the lease
jumlah tercatat liabilitas sewa diukur kembali liabilities carrying amount is remeasured if
jika terdapat modifikasi, perubahan jangka there are modifications, changes in term of
waktu sewa, perubahan pembayaran sewa, the lease, lease payments, or the valuation of
atau perubahan dalam penilaian opsi untuk the option to purchase the underlying asset.
membeli aset pendasar.
- 31 -
b. Dampak pada akuntansi lessee (lanjutan) b. Impact on lessee accounting (continued)
Sewa jangka pendek (dengan jangka waktu Short-term leases (with term of less or equal
kurang atau sama dengan 12 bulan) dan sewa to 12 months) and leases of low-value assets,
aset bernilai rendah, serta elemen-elemen and elements of those leases, partially or
sewa tersebut, sebagian atau seluruhnya tidak entirely not applying the recognition principles
menerapkan prinsip-prinsip pengakuan yang stipulated in SFAS No. 73 will be treated the
ditentukan oleh PSAK No. 73 akan same as operating leases in SFAS No. 30. The
diperlakukan sama dengan sewa operasi pada Bank will recognize these lease payments on
PSAK No. 30. Bank akan mengakui a straight-line basis during the lease period in
pembayaran sewa tersebut dengan dasar the statement of profit or loss and other
garis lurus selama masa sewa dalam laporan comprehensive income. This expense is
laba rugi dan penghasilan komprehensif lain. recorded under general and administrative
Beban ini dicatat pada beban umum dan expenses in profit or loss.
administrasi dalam laporan laba rugi.
Penerapan pencatatan PSAK No. 73 berlaku The recording implementation of SFAS No. 73
untuk seluruh sewa (kecuali sebagaimana is applied for all leases (except as stated
yang disebutkan sebelumnya), yaitu sebagai earlier), as follows:
berikut:
a. Menyajikan aset hak-guna sebagai bagian a. Presenting right-of-use assets as part of
dari aset tetap dan liabilitas sewa disajikan fixed assets and lease liabilities presented
sebagai bagian dari liabilitas lain-lain dalam as part of other liabilities in the statement
laporan posisi keuangan, yang diukur pada of financial position, measured at the
nilai kini dari pembayaran sewa masa present value of the future lease
depan; payments;
b. Mencatat penyusutan aset hak - guna dan b. Recording depreciation of right-of-use
bunga atas liabilitas sewa dalam laporan assets and interest on lease liabilities in the
laba rugi dan penghasilan komprehensif; statement of profit or loss and other
dan comprehensive income; and
c. Memisahkan jumlah total pembayaran ke c. Separating the total amount of cash paid
bagian pokok (disajikan dalam kegiatan into a principal portion (within financing
pendanaan) dan bunga (disajikan dalam activities) and interest (within operating
kegiatan operasional) dalam laporan arus activities) in the statement of cash flows.
kas.
'
r. Agunan yang Diambil Alih r. Foreclosed Assets
Agunan yang diambil alih sehubungan dengan Foreclosed assets in settlement of financing
penyelesaian pembiayaan disajikan dalam akun facilities are included as part of other assets and
aset lain-lain dan diakui sebesar nilai bersih yang are recognized at their net realizable values. Net
dapat direalisasi. Nilai bersih yang dapat realizable value is the fair value of an asset after
direalisasi adalah nilai wajar aset setelah deducting estimated settlement expenses.
dikurangi estimasi biaya pelepasan.
Nilai Agunan yang diambil alih, baik melalui The value of a foreclosed assets whether
lelang maupun penyerahan secara sukarela acquired from auction or from voluntary
dicatat pada nilai wajar setelah dikurangi biaya conveyance is recorded at fair value less selling
untuk menjualnya yaitu maksimum sebesar price, which is a maximum amount of customer
kewajiban nasabah. Bank tidak dapat mengakui liabilities. Bank cannot recognize gain at asset
keuntungan pada saat pengambilalihan aset. acquisition.
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2021 Annual Report
r. Agunan yang Diambil Alih (lanjutan) r. Foreclosed Assets (continued)
Agunan akan diambil alih ketika tidak ada lagi Foreclosed assets will be acquired when there
sumber pengembalian yang bisa diharapkan dari are no more sources of return that could be
nasabah. Indikasi atas tidak adanya sumber expected from the customer. Indication of no
pengembalian adalah buruknya kondisi keuangan source of return is the poor financial condition of
nasabah selama beberapa periode dan terdapat customers during several periods and arrears of
tunggakan angsuran lebih dari 1 (satu) tahun installments for more than 1 (one) year and
dan termasuk dalam kolektibilitas macet. categorized as loss.
Manajemen mengevaluasi nilai agunan yang Management evaluates the value of foreclosed
diambil alih secara berkala. Cadangan kerugian assets regularly. An allowance for impairment
penurunan nilai agunan yang diambil alih losses on foreclosed asset is provided based on
dibentuk atas penurunan nilai yang terjadi the decline in value of foreclosed asset.
disajikan sebagai pengurangan dari akun
agunan yang diambil alih.
Beban perbaikan (reconditioning cost) yang Reconditioning costs arising after foreclosure are
timbul setelah pengambilalihan agunan capitalized in the accounts of the foreclosed
dikapitalisasi dalam akun agunan yang diambil collaterals.
alih tersebut.
Selisih antara nilai agunan yang diambil alih The difference between the value of the
dengan hasil penjualannya diakui sebagai foreclosed assets and the proceeds from sale of
keuntungan atau kerugian pada saat penjualan such assets is recorded as gain or loss at the
agunan. time of sale.
s. Biaya Dibayar Dimuka s. Prepaid Expenses
Biaya dibayar dimuka disajikan dalam akun aset Prepaid expenses are included as part of other
lain-lain dan diamortisasi selama masa manfaat assets and are amortized over their useful life
dengan menggunakan metode garis lurus using the straight line method.
(straight line method).
t. Aset Tak Berwujud t. Intangible Assets

Aset takberwujud adalah aset yang tidak Intangible assets are assets that have no physical
mempunyai wujud fisik yang dibeli oleh Bank form which was acquired by the Bank and stated
dan dicatat sebesar biaya perolehan dikurangi at cost less accumulated amortization.
akumulasi amortisasi.
Amortisasi diakui dalam laporan laba rugi dan Amortization is recognized in profit or loss and
penghasilan komprehensif lain dengan other comprehensive income using the straight
menggunakan metode garis lurus (straight line line method based on its estimated useful lives of
method) berdasarkan taksiran masa manfaat 5 (five) years.
ekonomis selama 5 (lima) tahun.
Masa manfaat ekonomis, nilai residu dan The estimated useful lives, residual values and
metode amortisasi ditelaah kembali setiap akhir amortization method are reviewed at the end of
periode. each period.
u. Liabilitas Segera u. Liabilities Due Immediately

Liabilitas segera merupakan liabilitas Bank Liabilities due immediately represent obligation
kepada pihak lain yang sifatnya wajib segera to third parties, based on contract or order by
dibayarkan sesuai dengan perintah pemberi those having authority, that should be settled
amanat perjanjian yang ditetapkan sebelumnya. immediately. Liabilities due immediately are
Liabilitas segera dinyatakan sebesar nilai stated at the amount of the Bank’s liabilities to
liabilitas Bank kepada pemberi amanat. the trustee.
- 33 -
v. Simpanan v. Deposits
Simpanan merupakan titipan pihak lain Deposits represent third party funds placed
berdasarkan prinsip wadiah yad-adhdhamanah based on wadiah yad-adhdhamanah principle in
dalam bentuk giro wadiah, tabungan wadiah the form of wadiah demand deposits, wadiah
dan deposito wakalah. saving deposits and wakalah deposit.
Giro wadiah digunakan sebagai instrumen Wadiah demand deposits are used as payment
pembayaran dan dapat ditarik setiap saat instruments and available for withdrawal at any
melalui cek dan bilyet giro, serta dapat time using cheque and demand deposit slips, and
mendapatkan bonus sesuai kebijakan Bank. Giro may earn bonus based on the Bank's policy.
wadiah dinyatakan sebesar titipan pemegang Wadiah demand deposits are stated at the
giro di Bank. amount entrusted by depositors.
Tabungan wadiah merupakan simpanan pihak Wadiah savings deposits represent third party
lain yang hanya bisa ditarik sesuai dengan funds that can be withdrawn under certain
kondisi tertentu yang disepakati. Tabungan condition. Wadiah savings deposits are stated at
wadiah dinyatakan sebesar nilai simpanan the amounts deposited by the holder.
pemegang tabungan di Bank.
w. Simpanan dari Bank Lain w. Deposits from Other Banks

Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities to
Bank kepada bank lain dalam bentuk giro other banks in the form of wadiah demand
wadiah. Simpanan dari bank lain dinyatakan deposits. Deposits from other banks are stated at
sebesar nilai kewajiban Bank kepada bank lain. the amount payable to the other banks.
Giro wadiah digunakan sebagai instrumen Wadiah demand deposits are used as payment
pembayaran dan dapat ditarik setiap saat instruments and available for withdrawal at any
melalui cek dan bilyet giro, serta mendapatkan time using cheque and demand deposit slips, and
bonus sesuai dengan kebijakan Bank. Giro receive bonuses according to the Bank’s policies.
wadiah dinyatakan sebesar titipan pemegang Wadiah demand deposits are stated at the
giro di Bank. amount entrusted by depositors.
Giro wadiah dapat menerima bonus sesuai Wadiah demand deposits may receive bonus
kebijakan Bank. based on the Bank's policy.
x. Dana Syirkah Temporer x. Temporary Syirkah Funds
Dana syirkah temporer merupakan investasi Temporary syirkah funds represent investments
dengan akad mudharabah mutlaqah dimana under mudharabah mutlaqah contract in which
pemilik dana (shahibul maal) memberikan the owners (shahibul maal) entrust the funds to
kebebasan kepada pengelola dana (mudharib / the fund manager (mudharib/ Bank) in managing
Bank) dalam pengelolaan investasinya dan akan the investment, and will receive profit share
memperoleh bagi hasil sesuai dengan nisbah based on the agreed predetermined ratio
yang disepakati. Dana syirkah temporer terdiri (nisbah). Temporary syirkah funds consist of
dari tabungan mudharabah, deposito berjangka mudharabah saving deposits, mudharabah time
mudharabah, sertifikat investasi mudharabah deposits, mudharabah interbank investment
antar bank dan sukuk mudharabah subordinasi. certificates and subordinated mudharabah sukuk.
Tabungan mudharabah merupakan investasi Mudharabah saving deposits represent third
yang hanya bisa ditarik sesuai dengan party funds that can be withdrawn under certain
persyaratan tertentu yang disepakati. Tabungan conditions. Mudharabah saving deposits are
mudharabah dinyatakan sebesar nilai investasi stated at the amount deposited by depositors.
pemegang tabungan di Bank.
Deposito berjangka mudharabah merupakan Mudharabah time deposits represent third party
investasi yang hanya bisa ditarik pada waktu funds that can be withdrawn at specific maturity
tertentu sesuai dengan perjanjian antara dates based on the agreement between
pemegang deposito berjangka mudharabah depositors and the Bank. Mudharabah time
dengan Bank. Deposito berjangka mudharabah deposits are stated at nominal values set forth in
dinyatakan sebesar nilai nominal sesuai dengan the agreement between the holder of time
perjanjian antara pemegang deposito berjangka deposit and the Bank.
dengan Bank.
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2021 Annual Report
x. Dana Syirkah Temporer (lanjutan) x. Temporary Syirkah Funds (continued)
Sukuk mudharabah subordinasi merupakan Subordinated mudharabah sukuk represents

surat berharga jangka panjang yang diterbitkan long-term bonds issued under a Mudharabah
berdasarkan akad mudharabah . Sukuk contract. Mudharabah sukuk are classified as
mudharabah dikelompokkan dalam dana syirkah temporary syirkah fund due to its nature as
temporer karena bersifat investasi. Sukuk investment. Subordinated mudharabah sukuk are
mudharabah subordinasi disajikan sebesar nilai stated at their nominal value. The issuance costs
nominal. Biaya-biaya yang timbul dari for mudharabah sukuk are amortized based on
penerbitan sukuk mudharabah diamortisasi the term of sharia bonds.
selama masa periode sukuk.
Dana syirkah temporer tidak dapat digolongkan Temporary syirkah funds cannot be classified as
sebagai liabilitas. Hal ini karena Bank tidak liability because the Bank has no obligation to
mempunyai liabilitas, ketika mengalami return the fund to the owner when loss incurred,
kerugian, untuk mengembalikan jumlah dana unless there is negligence or default by the Bank.
awal dari pemilik dana kecuali akibat kelalaian Temporary syirkah funds cannot be classified as
atau wanprestasi Bank. Dana syirkah temporer equity since they have maturity and the owner of
tidak dapat digolongkan sebagai ekuitas karena the funds do not have ownership rights as
mempunyai waktu jatuh tempo dan pemilik common shareholders, such as voting rights and
dana tidak mempunyai hak kepemilikan yang right of the profit derived from current assets
sama dengan pemegang saham seperti hak and non-investment assets.
voting dan hak atas realisasi keuntungan yang
berasal dari aset lancar dan aset non investasi.
Dana syirkah temporer merupakan salah satu Temporary syirkah fund is an element of
unsur laporan posisi keuangan dimana hal statement of financial position where it is in line
tersebut sesuai dengan prinsip syariah yang with sharia principles, which entitles the Bank to
memberikan hak kepada Bank untuk mengelola manage and invest funds, including to manage as
dan menginvestasikan dana, termasuk untuk one portfolio with other type of funds.
mencampur dana dimaksud dengan dana
lainnya.
Pemilik dana syirkah temporer memperoleh The owners of temporary syirkah funds earn
bagian atas keuntungan sesuai kesepakatan dan profit in accordance with the agreement and
menerima kerugian berdasarkan jumlah dana receive loss based on the amount of funds from
dari masing-masing pihak. Pembagian hasil each party. The return of temporary syirkah
dana syirkah temporer berdasarkan konsep bagi funds are based on revenue sharing concept.
hasil.
y. Biaya Emisi/ Biaya Transaksi y. Issuance Cost/ Transaction Cost
Biaya transaksi penerbitan sukuk mudharabah Issuance cost of subordinated mudharabah

dicatat secara terpisah dan disajikan dalam aset sukuk are recognized separately and stated in
sebagai beban tangguhan, yang diamortisasi assets as a deferred expense, that is amortized
selama umur sukuk dengan metode garis lurus. using the straight line method which is the term
of the bonds.
z. Pendapatan Pengelolaan oleh Bank z. Revenue from Fund Management by the

sebagai Mudharib Bank as Mudharib
Pendapatan pengelolaan dana oleh Bank Revenue from fund management as mudharib
sebagai mudharib terdiri dari pendapatan dari consists of revenue from sales in murabahah and
transaksi penjualan dari transaksi murabahah istishna transaction, income from profit sharing
dan istishna, pendapatan bagi hasil dari of mudharabah and musyarakah financing,
mudharabah dan musyarakah, pendapatan income from ijarah and ijarah muntahiyah
sewa dari ijarah dan ijarah muntahiyah bittamlik bittamlik and other main operating income.
dan pendapatan usaha utama lainnya.
- 35 -
z. Pendapatan Pengelolaan oleh Bank z. Revenue from Fund Management by the

sebagai Mudharib (lanjutan) Bank as Mudharib (continued)
Pendapatan atas piutang murabahah Income from murabahah receivables uses the
menggunakan metode setara tingkat imbal hasil effective rate of return method (effective
efektif (margin efektif). Margin efektif adalah margin). Effective margin is the margin that
margin yang secara tepat mendiskontokan precisely discounts the estimated future cash
estimasi pembayaran atau penerimaan kas di payments or receipts through the expected life of
masa datang selama perkiraan umur dari the murabahah receivables. When calculating the
piutang murabahah. Pada saat menghitung effective margin, Bank estimates the future cash
margin efektif, Bank mengestimasi arus kas di flows considering all contractual terms of the
masa datang dengan mempertimbangkan financial instrument, but does not consider the
seluruh persyaratan kontraktual dalam loss of receivables in the future. This calculation
instrumen keuangan tersebut, tetapi tidak includes all commissions, provision fees and
mempertimbangkan kerugian di masa other forms accepted by the parties in the
mendatang. Perhitungan ini mencakup seluruh contract that are an inseparable part of the
komisi, provisi dan bentuk lain yang diterima effective margin, transaction costs and all other
oleh para pihak dalam kontrak yang merupakan premiums or discounts.
bagian tak terpisahkan dari margin efektif, biaya
transaksi dan seluruh premi atau diskon lainnya.
Bank melakukan penghentian amortisasi The Bank terminates the amortization of deferred
keuntungan ditangguhkan pada saat income when the financing are classified as
pembiayaan diklasifikasikan sebagai non- non-performing. The Bank’s income from
performing. Pendapatan Bank dari transaksi business transactions that are classified as
usaha yang diklasifikasikan sebagai non- non-performing is recorded as margin of
performing dicatat sebagai margin dalam non-performing receivables in the statement of
penyelesaian pada laporan komitmen dan commitments and contingencies.
kontinjensi.
Pendapatan istishna diakui dengan Revenue from istishna is recognized using

menggunakan metode persentase penyelesaian percentage of completion or contract completion
atau metode akad selesai. Akad dinyatakan method. The contract is defined as completed if
selesai jika proses pembuatan barang pesanan the process of production is completed and the
selesai dan diserahkan kepada pembeli. goods are delivered to the customer.
Pendapatan ijarah diakui selama masa akad Revenue from ijarah is recognized proportionally
secara proporsional. during period of the contract.
Pendapatan usaha mudharabah diakui dalam Revenue from mudharabah is recognized during
periode terjadinya hak bagi hasil sesuai nisbah the period of profit sharing in accordance with
yang disepakati. Kerugian akibat kelalaian atau the agreed revenue sharing ratio. Loss incurred
kesalahan mudharib dibebankan pada pengelola due to negligence of mudharib is charged to
dana dan tidak mengurangi investasi mudharib and will not reduce the mudharabah
mudharabah. investment.
Pendapatan usaha musyarakah yang menjadi Revenue from musyarakah distributed to an
hak mitra aktif diakui sebesar haknya sesuai active partner is recognized in accordance with
dengan kesepakatan atas pendapatan usaha the agreement on musyarakah revenue, whereas
musyarakah, sedangkan pendapatan usaha revenue distributed to passive partner is
untuk mitra pasif diakui sebagai hak pihak mitra recognized as the right of the passive partner in
pasif atas bagi hasil dan liabilitas. revenue sharing and liability.
Pendapatan operasi utama lainnya terdiri dari Other operating revenue consists of income
pinjaman qardh, pendapatan dari penempatan derived from funds of qardh, placement with
pada Bank Indonesia, pendapatan dari giro dan Bank Indonesia, current account and placements
penempatan pada bank syariah lain, with other sharia banks, revenue sharing from
pendapatan bagi hasil surat berharga syariah, sharia securities, export bill fee, and acceptance
pendapatan fee wesel ekspor, dan pendapatan fee revenue.
fee akseptasi.
- 36 -
2021 Annual Report
aa. Hak Pihak Ketiga Atas Bagi Hasil Dana aa. Third Parties Share on Returns of
Syirkah Temporer Temporary Syirkah Funds
Hak pihak ketiga atas bagi hasil dana syirkah The share of third parties on the return of
temporer merupakan bagian bagi hasil milik temporary syirkah funds represents portion of
pihak ketiga yang didasarkan pada prinsip income derived by Bank from managing funds
mudharabah mutlaqah atas hasil pengelolaan under mudharabah mutlaqah principles. The
dana mereka oleh Bank. Pendapatan yang profit sharing is distributed on the cash basis.
dibagikan adalah pendapatan yang telah
diterima (cash basis).
Jumlah pendapatan margin dan bagi hasil atas Margin income and profit sharing on financing
pembiayaan yang diberikan dan dari aset facilities and other earning assets for distribution
produktif lainnya yang akan dibagikan kepada to fund owners and the Bank are computed
nasabah penyimpan dana dan Bank, dihitung proportionally based on the allocation of funds
secara proporsional sesuai dengan alokasi from owners and the Bank used in financing
dana nasabah dan Bank yang dipakai dalam facilities and other earning assets distributed.
pembiayaan yang diberikan dan aset produktif The total available margin income and profit
lainnya yang disalurkan. Jumlah pendapatan sharing are distributed to customers and
margin dan bagi hasil yang tersedia untuk depositors as shahibul maal and to the Bank as
nasabah tersebut dibagihasilkan ke nasabah mudharib in accordance with a predetermined
penabung dan deposan sebagai shahibul ratio.
maal dan Bank sebagai mudharib sesuai dengan
porsi nisbah bagi hasil yang telah disepakati
bersama sebelumnya.
Bagi hasil sukuk mudharabah subordinasi Subordinated Mudharabah sukuk is paid every 3
dibayarkan setiap 3 (tiga) bulan, dihitung (three) months, and calculated based on
berdasarkan perkalian antara nisbah pemegang multiplication between the sukuk holder's ratios
sukuk dengan pendapatan yang diterima Bank and revenue received by the Bank in the last
dalam triwulan terakhir sebagaimana tercantum quarter as contained in the unaudited quarterly
dalam laporan keuangan triwulanan Bank yang financial statements of the Bank Publication.
belum diaudit yang dipublikasikan oleh Bank.
Pembayaran pendapatan bagi hasil kepada The payment of revenue sharing to the
masing-masing pemegang sukuk akan dilakukan respective sukuk holders will be proportionated in
secara proporsional sesuai dengan porsi accordance with the portion of ownership
kepemilikan yang dimiliki dibandingkan dengan compared to the unpaid principal amount of the
jumlah pokok sukuk mudharabah yang belum Mudharabah sukuk.
dibayar kembali.
Pendapatan margin dan bagi hasil atas Margin income and profit sharing from financing
pembiayaan yang diberikan dan aset produktif facilities and other earning assets distributed
lainnya yang memakai dana Bank, seluruhnya using the Bank's funds entirely become the right
menjadi milik Bank, termasuk pendapatan dari of the Bank including income from the Bank's
transaksi Bank berbasis imbalan. fee-based transactions.
ab. Pendapatan Imbalan Jasa Perbankan ab. Fee Based Income from Banking Services
Pendapatan imbalan jasa perbankan pada Fee based income from banking services is
umumnya diakui pada saat kas diterima. generally recognized when cash is received.
- 37 -
ac. Imbalan Kerja ac. Employee Benefits
Efektif sejak tanggal 1 Januari 2015, Bank Effective January 1, 2015, the Bank implements
menerapkan PSAK No. 24 (Revisi 2013), SFAS No. 24 (Revised 2013),"Employee Benefits",
“Imbalan Kerja”, yang menghapuskan which removes the corridor mechanism and the
mekanisme koridor dan pengungkapan atas contingent liabilities disclosures to simplify the
informasi liabilitas kontinjensi untuk classifications and disclosures.
menyederhanakan klasifikasi dan pengungkapan.
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek seperti upah, iuran Short-term employee benefits such as salaries,
jaminan sosial, cuti jangka pendek dan tunjangan social security contributions, short-term leaves
hari raya diakui selama periode jasa diberikan. and allowance of feast day are recognized during
Imbalan jangka pendek dihitung sebesar jumlah the period when services are rendered.
yang tidak didiskontokan. Short-term employee benefits are measured
using undiscounted amounts.
Program pensiun iuran pasti Defined contribution plan
Iuran kepada dana pensiun sebesar persentase Contribution payable to the pension fund is
tertentu gaji pegawai yang menjadi peserta equivalent to a certain percentage of salaries for
program pensiun iuran pasti Bank. Iuran eligible employees under the Bank’s defined
dicadangkan dan diakui sebagai biaya ketika jasa contribution plan. The contribution is accrued
telah diberikan oleh pegawai-pegawai tersebut and recognized as expense when services have
dan pembayarannya dikurangkan dari utang been rendered by eligible employees and actual
iuran. Iuran terhutang dihitung berdasarkan payments are deducted from the contribution
jumlah yang tidak didiskontokan. payable. Contribution payable is measured using
undiscounted amounts.
Program imbalan pasti Defined benefit plan
Imbalan pasca kerja diakui sebagai biaya ketika The post-employment benefits are recognized as
jasa telah diberikan oleh pegawai yang expense when services have been rendered by
memenuhi syarat. Imbalan kerja ditentukan eligible employees. The benefits are determined
berdasarkan peraturan Bank dan persyaratan based on Bank regulations and the minimum
minimum Undang-undang Tenaga Kerja requirements of Labor Law No.13/2003.
No.13/2003.
Imbalan pasca-kerja dan imbalan kerja jangka The post-employment benefits and other
panjang lainnya secara aktuaris ditentukan long-term employee benefits are actuarially
berdasarkan metode Projected Unit Credit. determined using the Projected Unit Credit
Method.
Pengukuran kembali atas liabilitas (aset) imbalan Remeasurement of net defined benefit liabilities
pasti neto, yang diakui sebagai penghasilan (assets), which is recognized as other
komprehensif lain, terdiri atas: comprehensive income, consist of:
(i) Keuntungan dan kerugian aktuarial. (i) Actuarial gain and losses.
(ii) Imbal hasil atas aset program, tidak (ii) Return on plan assets, excluding an amount
termasuk jumlah yang dimasukkan dalam that is included in net interest on liabilities
bunga neto atas liabilitas (aset). (assets).
(iii) Setiap perubahan dampak batas aset, tidak (iii) The effect of the asset ceiling, excluding any
termasuk jumlah yang dimasukkan dalam amount that is included in the net interest of
bunga neto atas liabilitas (aset). liabilities (assets).
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2021 Annual Report
ac. Imbalan Kerja (lanjutan) ac. Employee Benefits (continued)
Program imbalan pasti (lanjutan) Defined benefit plan (continued)
Pengukuran kembali atas liabilitas (aset) imbalan Remeasurement of net defined benefit liabilities
pasti neto, yang diakui sebagai penghasilan (assets), which is recognized as other
komprehensif lain tidak direklasifikasi ke laba rugi comprehensive income is not reclassified to profit
pada periode berikutnya. or loss in the subsequent periods.
Biaya jasa lalu diakui sebagai beban pada tanggal Past service costs are recognized as expense at
yang lebih awal antara ketika amandemen atau the earlier date between the amendments or
kurtailmen program terjadi, dan ketika biaya occurrence of curtailment program, and when
restrukturisasi atau pesangon diakui, sehingga the costs of restructuring or severance is
biaya jasa lalu yang belum vested tidak lagi recognized, therefore, unvested past service cost
dapat ditangguhkan dan diakui selama periode can no longer be deferred and recognized over
vesting masa depan. the future vesting period.
ad. Perpajakan ad. Taxation
Efektif sejak tanggal 1 Januari 2015, Bank Effective January 1, 2015, the Bank adopts SFAS
menerapkan PSAK No 46 (revisi 2013) “Pajak No. 46 (Revised 2013), "Income Taxes". The
Penghasilan”. Penerapan PSAK ini tidak adoption of the SFAS has no significant impact
menimbulkan perubahan yang besar terhadap on the financial reporting and disclosures in the
pelaporan keuangan dan pengungkapan dalam financial statements.
laporan keuangan.
Beban pajak tahun berjalan ditetapkan Current tax expense is provided based on the
berdasarkan penghasilan kena pajak tahun taxable income for the current year. Deferred tax
berjalan. Aset dan liabilitas pajak tangguhan assets and liabilities are recognized for temporary
diakui atas perbedaan temporer aset dan liabilitas differences between the financial and the tax
antara pelaporan komersial dan pajak pada bases of assets and liabilities at each reporting
setiap tanggal pelaporan. date.
Aset pajak tangguhan diakui untuk seluruh Deferred tax assets are recognized for all
perbedaan temporer yang boleh dikurangkan dan deductible temporary differences and carry
saldo rugi fiskal yang belum dikompensasikan, forward of uncompensated tax losses to the
sepanjang perbedaan temporer dan rugi fiskal extent that it is probable for temporary
yang belum dikompensasikan tersebut dapat differences and carry forward of uncompensated
dimanfaatkan untuk mengurangi laba fiskal pada tax losses to be utilized in deducting future
masa yang akan datang. taxable profit.
Jumlah tercatat aset pajak tangguhan ditelaah The carrying amount of deferred tax assets is
pada setiap tanggal posisi keuangan dan nilai reviewed at each reporting date and is reduced
tercatat aset pajak tangguhan tersebut when it is no longer probable that sufficient
diturunkan apabila tidak lagi terdapat taxable profits will be available to compensate
kemungkinan besar bahwa laba fiskal yang part or all of the benefit of the deferred tax
memadai akan tersedia untuk mengkompensasi assets.
sebagian atau semua manfaat aset pajak
tangguhan.
Perubahan terhadap liabilitas pajak diakui pada Amendment to tax obligation is recorded when
saat surat ketetapan pajak diterima, atau apabila an assessment letter is received or, if objected to
diajukan keberatan dan atau banding oleh Bank, or appealed against by the Bank, when the result
pada saat telah ada keputusan atas banding dan of such appeal or objection is determined.
atau keberatan tersebut.
- 39 -
ad. Perpajakan (lanjutan) ad. Taxation (continued)
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are measured
berdasarkan tarif pajak yang akan berlaku pada at the tax rates that are expected to apply to the
tahun saat aset direalisasikan atau liabilitas year when the asset is realized or the liability is
diselesaikan berdasarkan peraturan perpajakan settled based on tax laws that have been enacted
yang berlaku atau yang telah secara substantif or substantively enacted as at statement of
telah diberlakukan pada tanggal laporan posisi financial position reporting date. The related tax
keuangan. Pengaruh pajak terkait dengan effects of the provisions for and/ or reversals of
penyisihan untuk dan/ atau pembalikan seluruh all temporary differences during the year,
perbedaan temporer selama tahun berjalan, including the effect of change in tax rates, are
termasuk pengaruh perubahan tarif pajak, diakui recognized as “Income Tax Benefit (Expense)”
sebagai “Manfaat (Beban) Pajak Penghasilan” and included in the net profit or loss for the year,
dan termasuk dalam laba atau rugi neto tahun except to the extent that they relate to items
berjalan, kecuali untuk transaksi-transaksi yang previously charged to other comprehensive
sebelumnya telah langsung dibebankan ke laba income and reported to equity.
komprehensif lainnya dan dilaporkan ke ekuitas.
Aset dan liabilitas atas pajak tangguhan dan Assets and liabilities on deferred tax and current
pajak kini dapat saling hapus apabila terdapat tax are offset if there is a legal enforceable right
hak yang berkekuatan hukum untuk melakukan to offset.
saling hapus.
ae. Laba per Saham ae. Earnings per Share
Laba per saham dasar dihitung dengan membagi Basic earnings per share is computed by dividing
laba bersih yang diatribusikan kepada pemilik net income attributable to the owners of the
Bank dengan jumlah rata-rata tertimbang saham Bank by the weighted average number of shares
yang beredar pada tahun yang bersangkutan. outstanding during the year.
af. Informasi Segmen Operasi af. Operating Segment Information
Informasi segmen operasi diungkapkan untuk Operating Segment information is disclosed to

memungkinkan pengguna laporan keuangan enable users of financial statements to evaluate
untuk mengevaluasi sifat dan dampak keuangan the nature and financial effects of the business
dari aktivitas bisnis yang mana Bank terlibat activities in which the Bank is involved in and the
dalam lingkungan ekonomi dimana Bank economic environment where the Bank operates.
beroperasi.
Segmen operasi adalah suatu komponen dari An operating segment is a component of an

entitas: entity:
a) yang terlibat dalam aktivitas bisnis yang mana a) that engages in business activities from which
memperoleh pendapatan dan menimbulkan it may earn revenue and incur expenses
beban (termasuk pendapatan dan beban (including revenue and expenses relating to
terkait dengan transaksi dengan komponen the transaction with other components of the
lain dari entitas yang sama); same entity);
b) yang hasil operasinya dikaji ulang secara b) whose operating results are reviewed
regular oleh pengambil keputusan operasional regularly by the entity’s chief operating
untuk membuat keputusan tentang sumber decision maker to make decision about
daya yang dialokasikan pada segmen tersebut resources to be allocated to the segments and
dan menilai kinerjanya; dan assess its performance; and
c) dimana tersedia informasi keuangan yang c) for which discrete financial information is
dapat dipisahkan. available.
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2021 Annual Report
af. Informasi Segmen Operasi (lanjutan) af. O p e r a t i n g S e g m e n t I n f o r m a t i o n

(continued)
Informasi yang digunakan oleh pengambil Information reported to the chief operating
keputusan operasional dalam rangka alokasi decision maker for the purpose of resource
sumber daya dan penilaian kinerja mereka allocation and assessment of their performance
terfokus pada kategori dari setiap produk. is more specifically focused on the category of
each product.
ag. Penggunaan Pertimbangan dan Estimasi ag. Use of Significant Accounting Judgment
Akuntansi yang Signifikan and Estimates
Penyusunan laporan keuangan Bank The preparation of the Bank’s financial
mengharuskan manajemen untuk membuat statements requires management to make
pertimbangan, estimasi dan asumsi yang judgments, estimates and assumptions that
mempengaruhi jumlah yang dilaporkan dari affect the reported amounts of revenues,
pendapatan, beban, aset dan liabilitas, dan expenses, assets and liabilities, and the
pengungkapan atas liabilitas kontinjensi pada disclosure of contingent liabilities, at the end of
akhir periode pelaporan. Ketidakpastian yang the reporting period. Due to inherent uncertainty
melekat dalam melakukan estimasi, dapat in making estimates, actual results reported in
menyebabkan jumlah sesungguhnya yang future periods might be based on amounts which
dilaporkan pada periode yang akan datang differ from those estimates.
berbeda dengan jumlah yang diestimasikan.
Pertimbangan Judgments
Pertimbangan berikut ini dibuat oleh manajemen The following judgments are made by
dalam rangka penerapan kebijakan akuntansi management in the process of applying Bank’s
Bank yang memiliki pengaruh paling signifikan accounting policies that have the most significant
atas jumlah yang diakui dalam laporan keuangan effects on the amounts recognized in Bank’s
Bank sebagai berikut: financial statements as follows:
Usaha yang berkelanjutan Going concern

Manajemen Bank telah melakukan penilaian atas The Bank’s management has made an
kemampuannya untuk melanjutkan kelangsungan assessment of it’s ability to continue as a going
usahanya dan berkeyakinan bahwa Bank memiliki concern and is satisfied that the Bank has the
sumber daya untuk melanjutkan usahanya di resources to continue its business for the
masa mendatang. Selain itu, manajemen tidak foreseeable future. Furthermore, the
mengetahui adanya ketidakpastian material yang management is not aware of any material
dapat menimbulkan keraguan yang signifikan uncertainties that may cast significant doubt on
terhadap kemampuan Bank untuk melanjutkan the Bank’s ability to continue as a going concern.
kelangsungan usahanya. Oleh karena itu, laporan Therefore, the financial statements continue to
keuangan telah disusun atas dasar usaha yang be prepared on the going concern basis.
berkelanjutan.
Nilai wajar instrumen keuangan Fair value of financial instruments

Semua aset dan liabilitas dimana nilai wajar All assets and liabilities in which fair value is
diukur atau diungkapkan dalam laporan measured or disclosed in the financial statements
keuangan dapat dikategorikan pada level hirarki can be classified in fair value hierarchy levels,
nilai wajar, berdasarkan tingkatan input terendah based on the lowest level of input that is
yang signifikan atas pengukuran nilai wajar significant to the overall fair value measurement:
secara keseluruhan:
Level 1: harga kuotasian (tanpa penyesuaian) Level 1: quoted prices (without adjustments) in
di pasar aktif untuk aset atau liablitas active markets for identical assets or
yang identik yang dapat diakses pada liabilities which are accessible at the
tanggal pengukuran. measurement date.
- 41 -
Akuntansi yang Signifikan (lanjutan) and Estimates (continued)
Nilai wajar instrumen keuangan (lanjutan) Fair value of financial instruments

(continued)
Level 2: input selain harga kuotasian yang Level 2: inputs other than quoted prices
termasuk dalam level 1 yang dapat included in level 1 that are observable
diobservasi untuk aset dan liabilitas, for the assets and liabilities, either
baik secara langsung atau tidak directly or indirectly.
langsung.
Level 3: input yang tidak dapat diobservasi Level 3 : inputs that are not observable for the
untuk aset dan liabilitas. assets and liabilities.
Kontinjensi Contingency
Bank sedang terlibat dalam proses hukum. The Bank is currently involved in legal
Perkiraan biaya kemungkinan bagi penyelesaian proceedings. The estimate of the probable cost
klaim telah dikembangkan melalui konsultasi for the resolution of claims has been developed
dengan bantuan konsultan hukum Bank in consultation with the aid of the external legal
didasarkan pada analisis hasil yang potensial. counsel handling the Bank’s defense in this
matter and is based upon an analysis of potential
results.
Manajemen tidak berkeyakinan bahwa hasil dari Management does not believe that the outcome
hal ini akan mempengaruhi hasil usaha. Besar of this matter will affect the results of operations.
kemungkinan, bagaimanapun, bahwa hasil It is probable, however, that future results of
operasi di masa depan dapat secara material operations could be materially affected by
terpengaruh oleh perubahan dalam estimasi atau changes in the estimates or in the effectiveness
efektivitas dari strategi yang terkait dengan hal of the strategies relating to these proceedings.
tersebut.
Estimasi dan Asumsi Estimates and Assumptions
Asumsi utama masa depan dan sumber utama The key assumptions concerning the future and
estimasi ketidakpastian lain pada tanggal other key sources of estimating uncertainty at
pelaporan yang memiliki risiko untuk dapat the reporting date that have a significant risk of
menyebabkan penyesuaian yang material causing a material adjustment to the carrying
terhadap nilai tercatat aset dan liabilitas untuk amounts of assets and liabilities within the next
tahun/periode berikutnya, diungkapkan di bawah financial year/period are disclosed below. The
ini. Bank mendasarkan asumsi dan estimasi yang Bank based its assumptions and estimates on
digunakan pada parameter yang tersedia pada parameters available when the financial
saat laporan keuangan disusun. statements were prepared.
Asumsi dan situasi mengenai perkembangan Existing circumstances and assumptions about
masa depan dapat berubah akibat perubahan future developments may change due to market
pasar atau situasi yang timbul diluar kendali changes or circumstances arising beyond the
Bank. Perubahan tersebut dicerminkan dalam control of the Bank. Such changes are reflected
asumsi yang digunakan pada saat terjadinya. in the assumptions when they occur.
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2021 Annual Report
Cadangan kerugian penurunan nilai dari Allowance for impairment losses on

piutang, pinjaman qardh dan pembiayaan receivables, funds of qardh and financing
Manajemen Bank menelaah portofolio piutang, The Bank’s management reviews its receivables,
pinjaman qardh dan pembiayaan setiap periode funds of qardh and financing portfolio to assess
untuk menilai penurunan nilai dengan impairment in each period by updating the
memperbaharui cadangan kerugian penurunan required allowance for impairment losses made
nilai yang dibentuk selama periode yang during the period based on the continuing
diperlukan berdasarkan analisis berkelanjutan analysis and monitoring of individual accounts by
dan pemantauan terhadap rekening individual the officers.
oleh petugas.
Estimasi tersebut didasarkan pada asumsi Such estimates are based on assumptions of
mengenai sejumlah faktor dan hasil aktual yang several factors and actual results may differ,
dapat berbeda, yang mengakibatkan perubahan resulting in future changes in the amount of
terhadap jumlah cadangan kerugian di masa allowance for losses.
yang akan datang.
Asumsi dan situasi mengenai perkembangan Existing circumstances and assumptions with
masa depan dapat berubah akibat perubahan regard to future developments may change due
pasar atau situasi yang timbul diluar kendali to market changes or circumstances arising
Bank. Perubahan tersebut dicerminkan dalam beyond the control of the Bank. Such changes
asumsi yang digunakan pada saat terjadinya. are reflected in the assumptions when they
occur.
Penurunan nilai investasi pada surat Impairment of investment in marketable

berharga securities
Manajemen Bank menentukan bahwa surat The Bank’s management determines that the
berharga memiliki kriteria penurunan nilai yang impairment of marketable securities are based on
sama dengan aset keuangan yang dicatat pada the same criteria as financial assets carried at
biaya perolehan diamortisasi. amortized cost.
Umur ekonomis aset tetap Useful lives of premises and equipment
Manajemen Bank memperkirakan masa manfaat The Bank’s management estimates the useful
aset tetap berdasarkan periode dimana aset lives of premises and equipment based on the
diharapkan akan tersedia untuk digunakan. Masa period over which the assets are expected to be
manfaat ekonomis aset tetap ditinjau secara available for use. The estimated useful lives of
berkala dan diperbarui jika memiliki ekspektasi premises and equipment are reviewed
yang berbeda dari perkiraan sebelumnya, karena periodically and are updated if expectations differ
kerusakan secara fisik dan teknis, atau from previous estimates due to physical wear
keusangan secara komersial dan legal atau and tear, technical or commercial obsolescence
batasan lainnya atas penggunaan aset tersebut. and legal or other limits on the use of the assets.
Selain hal tersebut, estimasi masa manfaat dari In addition, estimate of the useful lives of
aset tetap didasarkan pada penilaian secara premises and equipment is based on collective
kolektif dengan menggunakan praktik industri, assessment of industry practice, internal
teknik evaluasi internal dan pengalaman dengan technical evaluation and experience with similar
aset serupa. assets.
- 43 -
Umur ekonomis aset tetap (lanjutan) Useful lives of premises and equipment
(continued)
Tetap dimungkinkan, bagaimanapun, bahwa hasil It is possible, however, that future results of
masa depan dapat secara material dipengaruhi operations be materially affected by changes in
oleh perubahan estimasi yang disebabkan oleh estimates brought about by changes in the
perubahan faktor-faktor tersebut di atas. Jumlah aforementioned factors. The amounts and timing
dan saat pencatatan biaya untuk setiap periode of recorded expenses for any period are affected
akan dipengaruhi oleh perubahan dari faktor dan by changes of those factors and circumstances
keadaan saat pencatatan. Pengurangan dari during recording. A reduction in the estimated
taksiran masa manfaat dari aset tetap akan useful lives of premises and equipment increases
meningkatkan beban usaha. the recorded operating expenses.
Revaluasi pada aset tetap Revaluation of premises and equipment

Bank mengukur aset tetap berdasarkan nilai The Bank measures the premises and equipment
revaluasi dengan perubahan nilai wajar yang at revalued amounts with changes in fair value
diakui dalam penghasilan komprehensif lain dan being recognized in other comprehensive income
dilaporkan dalam ekuitas. Pada tanggal 31 and reported in the equity. As of December 31,
Desember 2021 dan 2020 Bank tidak melakukan 2021, and 2020 the Bank did not carry out
Revaluasi pada aset tetap. Lihat Catatan 15 revaluation of the premises and equipment. Refer
untuk nilai tercatat aset tetap. to Note 15 for the carrying values of premises
and equipment.
Aset pajak tangguhan Deferred tax assets

Aset pajak tangguhan diakui atas jumlah pajak Deferred tax assets are recognized for the future
penghasilan terpulihkan (recoverable) pada recoverable taxable income arising from
periode mendatang sebagai akibat perbedaan deductible temporary difference. Management’s
temporer yang boleh dikurangkan. Justifikasi judgement is required to determine the amount
manajemen diperlukan untuk menentukan of deferred tax assets that can be recognized,
jumlah aset pajak tangguhan yang dapat diakui, based upon the likely timing on level of future
sesuai dengan waktu yang tepat dan tingkat laba taxable profits together with strategic future tax
fiskal di masa mendatang sejalan dengan strategi planning.
rencana perpajakan ke depan.
Penurunan nilai aset non-keuangan Impairment of non-financial assets

Manajemen Bank mengevaluasi penurunan nilai The Bank’s management assesses impairment of
aset non-keuangan apabila terdapat kejadian non-financial assets whenever events or changes
atau perubahan keadaan yang mengindikasikan in circumstances indicate that the carrying
bahwa nilai tercatat aset non-keuangan tidak amount of non-financial asset may not be
dapat dipulihkan kembali. recoverable.
Faktor-faktor penting yang dapat menyebabkan The factors that the Bank considers important
penelaahan penurunan nilai adalah sebagai which may lead to impairment assessment are
berikut: the following:
a) performa yang tidak tercapai secara signifikan a) significant under-performance related to
terhadap ekspektasi historis atau proyeksi historical expectation or projected future
hasil operasi di masa yang akan datang; operating results;
b) perubahan yang signifikan dalam cara b) significant changes in the manner of use of
penggunaan aset atau strategi bisnis secara the assets or the overall business strategy;
keseluruhan; dan and
c) industri atau tren ekonomi yang secara c) significant negative industry or economic
signifikan bernilai negatif. trends.
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2021 Annual Report
Penurunan nilai aset non-keuangan Impairment of non-financial assets

Bank mengakui kerugian penurunan nilai apabila The Bank recognizes an impairment loss
nilai tercatat aset melebihi nilai yang dapat whenever the carrying amount of an asset
dipulihkan. Jumlah terpulihkan adalah nilai yang exceeds its recoverable amount. The recoverable
lebih tinggi antara nilai wajar dikurang biaya amount is the higher amount between fair value
pelepasan dengan nilai pakai aset (atau unit less costs of disposal using the asset (or cash
penghasil kas). Jumlah terpulihkan diestimasi generating unit) value in use . Recoverable
untuk aset individual atau, jika tidak amounts are estimated for individual assets or, if
memungkinkan, untuk unit penghasil kas yang not possible, for the cash-generating unit to
mana aset tersebut merupakan bagian daripada which the asset belongs.
unit tersebut.
Estimasi liabilitas imbalan kerja Estimated liabilities for employee benefits
Estimasi liabilitas imbalan kerja ditentukan Estimated liabilities for employee benefits are
berdasarkan perhitungan dari aktuaria. determined based on actuarial valuation. The
Perhitungan aktuaria menggunakan actuarial valuation involves assumptions such as
asumsi-asumsi seperti tingkat diskonto, tingkat discount rate, expected rate of returns on
pengembalian investasi, tingkat kenaikan gaji, investments, future salary increase, mortality
tingkat kematian, tingkat pengunduran diri dan rate, resignation rate and others.
lain-lain.
Karena program tersebut memiliki sifat jangka Due to the long-term nature of this plan, such
panjang, maka perkiraan tersebut memiliki estimates are subject to significant uncertainty.
ketidakpastian yang signifikan.
ah. Transaksi dan Saldo Mata Uang Asing ah. T r a n s a c t i o n a n d Ba la nce in F o r e i g n

Currency
Bank menyelenggarakan catatan akuntansi-nya The Bank maintains its accounting records in
dalam Rupiah. Transaksi yang melibatkan mata Indonesian Rupiah. Transactions in foreign
uang asing dicatat pada nilai tukar pada saat currencies are recorded at the exchange rates in
terjadinya transaksi. effect on the date of the transactions.
Pada tanggal laporan posisi keuangan, aset dan On the date of the statement of financial
liabilitas moneter dalam mata uang asing position, all monetary assets and liabilities
dijabarkan ke dalam mata uang Rupiah dengan denominated in foreign currencies are translated
menggunakan kurs Reuters pada pukul 16:00 into Rupiah using the Reuters spot rates at 16:00
WIB (Waktu Indonesia Bagian Barat) yang WIB (Western Indonesian Time) issued by Bank
dikeluarkan oleh Bank Indonesia. Indonesia.
Keuntungan atau kerugian yang timbul sebagai The resulting gains or losses from the translation
akibat dari penjabaran aset dan liabilitas moneter of monetary assets and liabilities in foreign
dalam mata uang asing dicatat dalam laporan currencies are recognized in the statement of
laba rugi dan penghasilan komprehensif lain profit or loss and other comprehensive income
tahun berjalan. for the current year.
- 45 -
ah. Transaksi dan Saldo Mata Uang Asing ah. Transaction and Balance in Foreign
(lanjutan) Currency (continued)
Pada tanggal-tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020, the
2020, kurs mata uang asing yang digunakan exchange rates used in translating foreign
untuk penjabaran mata uang asing terhadap currency amounts into Rupiah are as follows (in
Rupiah adalah sebagai berikut (dalam nilai full amount):
penuh):
2021 2020
1 Dinar Kuwait 47.110 46.074 1 Kuwaiti Dinar

1 Euro 16.112 17.234 1 Euro
1 Dolar Amerika Serikat 14.252 14.050 1 United States Dollar
1 Dolar Australia 10.347 10.752 1 Australian Dollar
1 Dolar Singapura 10.555 10.606 1 Singapore Dollar
1 Ringgit Malaysia 3.418 3.481 1 Malaysian Ringgit
1 Riyal Arab Saudi 3.796 3.744 1 Saudi Arabian Riyal
10 Yen Jepang 1.238 1.359 10 Japanese Yen
ai. Perubahan kebijakan akuntansi dan ai. Changes in accounting policies and
pengungkapan disclosures
Standar baru, revisi dan interpretasi yang telah The latest standards, revisions and
diterbitkan, dan yang berlaku efektif untuk tahun interpretations that become effective on or after
buku yang dimulai pada atau setelah tanggal 1 January 1, 2021, which affect the Bank’s report,
Januari 2021 yang berdampak terhadap laporan are as follows:
keuangan adalah sebagai berikut:
- Amandemen PSAK 1 : Penyajian Laporan - Amendment to SFAS 1 : Presentation of

Keuangan financial statements
- PSAK 112 : Akuntansi Wakaf - SFAS 112 : Accounting for Waqf
- Amandemen PSAK 55 : Instrumen Keuangan: - Amendment to SFAS 55 : Financial
Pengakuan dan Pengukuran Instruments : Recognition and Measurement
- Amandemen PSAK 60 : Instrumen Keuangan: - Amendment to SFAS 60 : Financial
Pengungkapan Instruments: Disclosure
Implementasi dari standar-standar tersebut tidak Implementation of these standards does not
menghasilkan perubahan kebijakan akuntansi dan change the accounting policies and has no effect
tidak memiliki dampak terhadap jumlah yang on the amounts reported in the current period or
dilaporkan di periode berjalan atau tahun the previous year.
sebelumnya.
- 46 -
2021 Annual Report
3. KAS 3. CASH
Akun ini terdiri dari: This account consists of:

31 Desember /December 31, 31 Desember / December 31,
2021 2020
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign in foreign
currencies Setara currencies Setara
(Dalam nilai dengan/ (Dalam nilai dengan/
penuh/In full Equivalent to penuh/In full Equivalent to
amount) Rupiah amount) Rupiah
Rupiah 715.766.561 710.235.727 Rupiah
Mata uang asing Foreign Currencies

Dolar Amerika Serikat 1.992.120 28.392.690 1.535.873 21.579.016 United States Dollar
Riyal Saudi Arabia 84.412 320.446 86.307 323.174 Saudi Arabian Riyal
Dolar Singapura 52.096 549.860 39.859 422.746 Singapore Dollar
Ringgit Malaysia 46.988 160.588 57.315 199.524 Malaysian Ringgit
29.423.584 22.524.460
Jumlah 745.190.145 732.760.187 Total
Saldo kas termasuk uang yang ada pada mesin Cash including cash in ATMs (Automated Teller
ATM (Automated Teller Machines) pada tanggal Machines) as of December 31, 2021 and 2020
31 Desember 2021 dan 2020 masing-masing amounted to Rp80,019,000 and Rp81,466,800,
sejumlah Rp80.019.000 dan Rp81.466.800. respectively.
4. GIRO DAN PENEMPATAN PADA BANK 4. CURRENT ACCOUNTS AND PLACEMENTS WITH
INDONESIA BANK INDONESIA
a. Berdasarkan jenis dan mata uang: a. By type and currencies:
2021 2020
Pihak ketiga Third Party

Rupiah Rupiah
Current accounts with Bank
Giro pada Bank Indonesia 3.605.221.630 1.285.144.886 Indonesia
Fasilitas Simpanan Bank Bank Indonesia Sharia Deposit
Indonesia Syariah (FASBIS) 1.431.000.000 1.019.000.000 Facility (FASBIS)
Transaksi Kliring Esok Hari Tomorrow Clearing Transaction
(TOM) 610.629 181.382 (TOM)
5.036.832.259 2.304.326.268
Mata uang asing Foreign currency

Dolar Amerika Serikat United States Dollar
Giro pada Bank Indonesia Current Account with Bank Indonesia
(2021 : USD 2.816.950 dan (2021: USD 2,816,950 and
2020 : USD2.806.950) 40.148.580 39.437.648 2020 : USD2,806,950)
Deposito Berjangka BI BI Term Deposit
(2021 : USD100.000.000 dan (2021 : USD100,000,000 and
2020 : USD35.000.000) 1.425.250.000 491.750.000 2020: USD35,000,000)
1.465.398.580 531.187.648
Jumlah 6.502.230.839 2.835.513.916 Total
- 47 -
INDONESIA (Lanjutan) BANK INDONESIA (Continued)
b. Berdasarkan jangka waktu: b. By time period:
2021 2020
Pihak Ketiga Third parties
Rupiah Rupiah
 1 bulan 5.036.832.259 2.304.326.268  1 month
5.036.832.259 2.304.326.268

 1 bulan  1 month
(2021: USD 102.816.950 dan (2021 : USD 102,816,950 and
2020: USD37.806.950) 1.465.398.580 531.187.648 2020 : USD37,806,950)
Jumlah 6.502.230.839 2.835.513.916 Total
c. Berdasarkan sisa umur jatuh tempo: c. By remaining period to maturity:
2021 2020
Rupiah Rupiah
 1 bulan 5.036.832.259 2.304.326.268  1 month
5.036.832.259 2.304.326.268
 1 bulan  1 month
(2021 : USD 102.816.950 dan (2021 : USD 102,816,950 and
2020 : USD37.806.950) 1.465.398.580 531.187.648 2020 : USD37,806,950)
Jumlah 6.502.230.839 2.835.513.916 Total
d. Rata-rata tingkat bonus tahunan dan rasio Giro d. The annual average bonus rate and Minimum
Wajib Minimum (GWM) adalah sebagai berikut: Statutory Reserves(Giro Wajib Minimum/GWM)
ratio are as follows:
2021 2020
Fasilitas Simpanan Bank Bank Indonesia Sharia

Indonesia Syariah (FASBIS) 2,75% 2,57% Deposit Facilities (FASBIS)
Rasio rata- rata GWM (tidak Average Minimum Statutory Reserves
diaudit) : Ratio (unaudited):
Rupiah 3,00% 3,24% Rupiah
Mata uang asing 1,15% 1,11% Foreign currencies
Sesuai dengan Peraturan Bank Indonesia Based on Bank Indonesia Regulation

No.21/27/PADG/2019 tanggal 26 Desember 2019, No.21/27/PADG/2019 dated December 26, 2019,
terdapat perubahan bahwa setiap bank diwajibkan there is amendment to the Minimum Statutory
memelihara Giro Wajib Minimum (GWM) dalam Reserves, where every bank is required to
Rupiah yang besarnya ditetapkan secara rata rata maintain Minimum Statutory Reserves (GWM) in
sebesar 3% dari DPK BUS dan UUS dalam Rupiah Rupiah equivalent to 3% of its Third-Party Fund
selama periode laporan tertentu yang wajib (TPF) of Sharia Commercial Bank (BUS) and
dipenuhi. Sharia Business Unit (UUS) denominated in
Rupiah during a certain reporting period which
must be fulfilled.
- 48 -
2021 Annual Report
INDONESIA (Lanjutan) BANK INDONESIA (Continued)
Sesuai dengan Peraturan Bank Indonesia Based on Bank Indonesia Regulation

No.20/10/PADG/2018 tanggal 31 Mei 2018, Bank No.20/10/PADG/2018 dated May 31, 2018, Banks
diwajibkan memelihara Giro Wajib Minimum are required to maintain Minimum Statutory
(GWM) dalam Valuta Asing sebesar 1% dari DPK Reserves (GWM) in Foreign Currencies of 1% of
BUS dan UUS dalam valuta asing selama periode TPF of BUS and UUS in foreign currencies during
laporan tertentu yang wajib dipenuhi secara certain reporting periods which must be fulfilled
harian. on a daily basis.
Saldo giro pada Bank Indonesia disediakan untuk The balance of current accounts with Bank
memenuhi persyaratan Giro Wajib Minimum Indonesia is maintained to meet the Minimum
(GWM) dari Bank Indonesia. Statutory Reserves (GWM) Requirement of Bank
Indonesia.
Pada tanggal 31 Desember 2021 dan 2020, Bank As of December 31, 2021 and 2020, the Bank has
telah memenuhi Giro Wajib Minimum sesuai complied with the Minimum Statutory Reserves
dengan ketentuan OJK. Requirement under the FSA provisions.
5. GIRO PADA BANK LAIN 5. CURRENT ACCOUNTS WITH OTHER BANKS
a. Berdasarkan mata uang: a. By currencies:
31 Desember / December 31, 31 Desember / December

2021 31, 2020
Jumlah Jumlah
nosional Mata nosional Mata
uang asing/ uang asing/
Notional Notional
amount in amount in
Foreign Foreign
currencies currencies
(Dalam nilai Ekuivalen/ (Dalam nilai Ekuivalen/
penuh/ In full Equivalent to penuh/ In full Equivalent to
amount) Rupiah amount) Rupiah
Pihak ketiga Third parties
Rupiah 60.125.024 59.486.260 Rupiah
Mata uang asing Foreign currencies

Dolar Amerika Serikat 22.303.766 317.884.432 28.836.892 405.158.340 United States Dollar
Dolar Singapura 220.178 2.323.901 262.942 2.788.805 Singapore Dollar
Ringgit Malaysia 3.695.658 12.630.540 6.439.783 22.417.977 Malaysian Ringgit
Euro 113.632 1.830.894 24.937 429.776 Euro
Riyal Arab Saudi 546.563 2.074.866 554.268 2.075.440 Saudi Arabian Riyal
Dinar Kuwait 10.000 471.096 10.000 460.748 Kuwaiti Dinar
Yen Jepang 1.372.253 169.844 1.112.997 151.334 Japanese Yen
337.385.573 433.482.420
Jumlah 397.510.597 492.968.680 Total

Cadangan kerugian penuruan nilai -- -- Allowance for impairment losses
Bersih 397.510.597 492.968.680 Net
- 49 -

(Lanjutan) (Continued)
b. Berdasarkan jenis dan bank: b. By type and bank:
31 Desember / December 31, 2021

Jumlah nosional Mata
uang asing/
Notional amount in
Foreign currencies Ekuivalen/
(Dalam nilai penuh/ Equivalent to
In full amount) Rupiah
Pihak ketiga Third Parties
Rupiah Rupiah
Bank Syariah Sharia Bank
PT BPD Jatim - UUS 10.318.823 PT BPD Jatim - SBU
PT BPD Sulselbar - UUS 1.800.095 PT BPD Sulselbar - SBU
PT BPD Jateng - UUS 1.958.829 PT BPD Jateng - SBU
PT Bank Syariah Indonesia 4.989.407 PT Bank Syariah Indonesia

Rupiah Rupiah
Bank Umum Konvensional Conventional Bank
PT Bank Central Asia Tbk 30.050.012 PT Bank Central Asia Tbk
PT BPD Papua 10.491 PT BPD Papua
PT BPD Sumbar 7.864 PT BPD Sumbar
PT Bank Mandiri (Persero) Tbk 4.742.716 PT Bank Mandiri (Persero) Tbk
Standard Chartered Bank Standard Chartered Bank
Indonesia 550.850 Indonesia
PT BPD Sumsel Babel 50.945 PT BPD Sumsel Babel
PT BPD Lampung 59.304 PT BPD Lampung
PT BPD Jambi 10.545 PT BPD Jambi
Lain-lain (di bawah Rp10.000) 5.575.143 Others (below Rp10,000)
60.125.024
Malayan Banking Berhad 458.320 1.566.387 Malayan Banking Berhad
Bank Islam Malaysia Berhad 181.267 727.857 Bank Islam Malaysia Berhad
Bank Muamalat Malaysia Bank Muamalat Malaysia
Berhad 18.040 61.655 Berhad
2.355.899
Citibank NA, cabang New York 17.711.748 252.436.687 Citibank NA, New York Branch
PT Bank BRI cabang New York 2.709.150 38.612.160 PT Bank BRI New York Agency
PT Bank Central Asia Tbk 779.454 11.109.164 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 1.081.599 15.415.494 PT Bank Mandiri (Persero) Tbk
Indonesia 113.632 1.830.894 Indonesia
The Development Bank of The Development Bank of Singapore
Singapore Limited 220.178 2.323.901 Limited
Bank Kerjasama Rakyat Bank Kerjasama Rakyat
Malaysia Berhad 3.043.495 10.401.663 Malaysia Berhad
The National Commercial Bank 423.083 1.606.111 The National Commercial Bank
Al-Rajhi Banking & Investment Al-Rajhi Banking & Investment
(SAR) 123.480 468.756 (SAR)
Bank Boubyan, Kuwait 10.000 471.096 Boubyan Bank, Kuwait
Citibank NA, Cabang Indonesia 1.491 21.245 Citibank NA, Indonesia Branch
Al-Rajhi Banking & Investment Al-Rajhi Banking &
(MYR) 4.536 15.502 Investment (MYR)
PT Bank Negara Indonesia PT Bank Negara Indonesia
Tokyo (Persero) Tbk 1.372.253 169.844 Tokyo (Persero) Tbk
PT Kookmin Bank 10.325 147.157 PT Kookmin Bank
337.385.573
Jumlah 397.510.597 Total
Cadangan kerugian penurunan nilai -- Allowance for impairment losses
Bersih 397.510.597 Net
- 50 -
2021 Annual Report

b. Berdasarkan jenis dan bank: (lanjutan) b. By type and bank: (continued)

Jumlah nosional Mata
uang asing/
Notional amount in
Foreign currencies Ekuivalen/
(Dalam nilai penuh/ Equivalent to
In full amount) Rupiah
Rupiah Rupiah
PT BPD Jatim - UUS 3.214.829 PT BPD Jatim - SBU
PT BPD Sulselbar - UUS 1.262.830 PT BPD Sulselbar - SBU
PT Bank BRI Syariah 1.334.556 PT Bank BRI Syariah
PT BPD Jateng - UUS 2.764.518 PT BPD Jateng - SBU
PT Bank Syariah Mandiri 4.092.531 PT Bank Syariah Mandiri
12.669.264
Rupiah Rupiah
PT Bank Central Asia Tbk 41.950.239 PT Bank Central Asia Tbk
PT BPD Papua 11.821 PT BPD Papua
PT BPD Sumbar 1.208.538 PT BPD Sumbar
PT Bank Mandiri (Persero) Tbk 3.034.485 PT Bank Mandiri (Persero) Tbk
Indonesia 404.735 Indonesia
PT BPD Sumsel Babel 100.030 PT BPD Sumsel Babel
PT BPD Lampung 6.771 PT BPD Lampung
PT BPD Sumut 46.996 PT BPD Sumut
PT BPD Riau 25.584 PT BPD Riau
(Persero) Tbk 10.238 (Persero) Tbk
PT BPD Jambi 6.876 PT BPD Jambi
Lain-lain (di bawah Rp10.000) 10.683 Others (below Rp10,000)
59.486.260
Malayan Banking Berhad 129.842 452.003 Malayan Banking Berhad
Bank Islam Malaysia Berhad 1.810.756 6.303.550 Bank Islam Malaysia Berhad
Bank Muamalat Malaysia Berhad 17.988 62.620 Bank Muamalat Malaysia Berhad
6.818.173
Citibank NA, cabang New York 25.010.181 351.393.038 Citibank NA, New York Branch
PT Bank BRI cabang New York 2.009.995 28.240.429 PT Bank BRI New York Agency
PT Bank Central Asia Tbk 934.758 13.133.348 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 870.708 12.233.447 PT Bank Mandiri (Persero) Tbk
Standard Chartered Bank Indonesia 24.937 429.776 Standard Chartered Bank Indonesia
The Development Bank of The Development Bank of Singapore
Singapore Limited 262.942 2.788.805 Limited
Bank Kerjasama Rakyat Bank Kerjasama Rakyat
Malaysia Berhad 4.476.010 15.581.752 Malaysia Berhad
The National Commercial Bank 429.268 1.607.381 The National Commercial Bank
Al-Rajhi Banking & Investment (SAR) 125.000 468.059 Al-Rajhi Banking & Investment(SAR)
Bank Boubyan, Kuwait 10.000 460.748 Boubyan Bank, Kuwait
Citibank NA, Cabang Indonesia 8.891 124.919 Citibank NA, Indonesia Branch
Al-Rajhi Banking & Investment Al-Rajhi Banking &
(MYR) 5.186 18.053 Investment (MYR)
Tokyo (Persero) Tbk 1.112.997 151.334 Tokyo (Persero) Tbk
PT Kookmin Bank 2.360 33.158 PT Kookmin Bank
433.482.420
Cadangan kerugian penurunan nilai -- Allowance for impairment losses
- 51 -

b. Berdasarkan jenis dan bank: (lanjutan) b. By type and bank: (continued)
Pada tanggal 31 Desember 2021 dan 2020 tingkat As of December 31, 2021 and 2020, the average
pengembalian (bonus dan bunga) rata-rata dari return (bonus and interest) of current accounts
giro pada bank lain adalah sebesar 0,01% dan with other banks is 0.01% and 0.07%.
0,07%.
Bank melakukan penilaian terhadap giro pada bank The Bank assessed current accounts with other
lain secara individual dengan mempertimbangkan banks individually for impairment based on
adanya bukti objektif penurunan nilai. whether an objective evidence of impairment
exists.
Perubahan cadangan kerugian penurunan nilai giro The changes in allowance for impairment losses
pada bank lain adalah sebagai berikut: on current accounts with other banks are as
follows:
2021 2020
Saldo awal tahun -- -- Balance at the beginning of the year

Pembentukan (Pembalikan)
selama tahun berjalan Provision (Reversal)
(Catatan 36) -- -- during the year (Note 36)
Penghapusbukuan -- -- Written - Off
Saldo akhir tahun -- -- Balance at the end of the year
Manajemen berpendapat bahwa tidak diperlukan Management believes that no allowance for
cadangan kerugian penurunan nilai pada tanggal 31 impairment losses is necessary as of December 31,
Desember 2021 dan 2020. 2021 and 2020.
Pendapatan jasa giro yang diterima dari giro pada Interest income received from current accounts with
bank umum konvensional untuk tahun yang berakhir conventional banks for the years ended
pada tanggal 31 Desember 2021 dan 2020 December 31, 2021 and 2020 amounted to
masing-masing adalah sebesar Rp637.176 dan Rp637,176 and Rp360,556, respectively, which is
Rp360.556 yang dijadikan dana kebajikan yang treated as social charitable funds which are
disalurkan melalui Baitul Maal Muamalat. distributed through Baitul Maal Muamalat.
Tidak terdapat giro pada bank lain yang dijadikan No current accounts with other banks is used as
jaminan pada 31 Desember 2021 dan 2020. collateral as of December 31, 2021 and 2020.
- 52 -
2021 Annual Report
6. PENEMPATAN PADA BANK LAIN 6. PLACEMENTS WITH OTHER BANKS
a. Berdasarkan jenis: a. By type:
2021 2020
Rupiah Rupiah
Deposito berjangka Mudharabah
mudharabah Time Deposits
BPRS Wakalumi 1.451.233 1.451.233 BPRS Wakalumi
BPRS Dana Cipaganti 418.830 418.830 BPRS Dana Cipaganti
BPRS PNM Mentari 50.000 50.000 BPRS PNM Mentari
BPRS Harum Hikmanugraha 30.000 30.000 BPRS Harum Hikmanugraha
1.950.063 1.950.063
Mata uang asing Foreign Currencies
Deposito Jaminan Pledge Deposit
Citibank N.A New York Citibank N.A New York
(2021 : USD 150.000 dan (2021 : USD150,000, and
2020: USD150.000) 2.137.875 2.107.500 2020: USD150,000)
2.137.875 2.107.500
Jumlah 4.087.938 4.057.563 Total
Cadangan kerugian Allowance for impairment
penurunan nilai (418.830) (587.273) losses
Bersih 3.669.108 3.470.290 Net
b. Berdasarkan jangka waktu: b. By maturity:
2021 2020
Rupiah Rupiah
 1 -  3 bulan 498.830 498.830  1 -  3 months
> 3 -  12 bulan 1.451.233 1.451.233 > 3 -  12 months
1.950.063 1.950.063
 12 bulan 2.137.875 2.107.500  12 months
2.137.875 2.107.500
Jumlah 4.087.938 4.057.563 Total
Bersih 3.669.108 3.470.290 Net
- 53 -
6. PENEMPATAN PADA BANK LAIN (Lanjutan) 6. PLACEMENTS WITH OTHER BANKS (Continued)
c. Berdasarkan sisa umur jatuh tempo: c. By remaining period to maturity

2021 2020
Rupiah Rupiah
 1 bulan 1.481.233 1.451.233  1 month
> 1 -  3 bulan 50.000 80.000 > 1 -  3 months
> 3 -  12 bulan 418.830 418.830 > 3 -  12 months
1.950.063 1.950.063
> 3 -  12 bulan 2.137.875 2.107.500 > 3 -  12 months
2.137.875 2.107.500
Jumlah 4.087.938 4.057.563 Total
Bersih 3.669.108 3.470.290 Net
d. Berdasarkan kolektibilitas: d. By collectibility:

2021 2020
Lancar 3.669.108 3.638.733 Current
Macet 418.830 418.830 Loss
Jumlah 4.087.938 4.057.563 Total
Bersih 3.669.108 3.470.290 Net
e. Perubahan cadangan kerugian penurunan nilai e. Changes in allowance for impairment losses on
penempatan pada bank lain adalah sebagai placements with other banks are as follows:
berikut:
2021 2020
Saldo awal tahun 587.273 787.273 Balance at the beginning of the year
Pembentukan (pembalikan)
selama tahun berjalan Provision (Reversal)
(Catatan 36) (168.443) (200.000) during the year (Note 36)
Saldo akhir tahun 418.830 587.273 Balance at the end of the year
Manajemen berpendapat bahwa jumlah cadangan Management believes that the allowance for
kerugian penurunan nilai penempatan pada bank lain impairment losses of placements with other banks
pada tanggal 31 Desember 2021 dan 2020 telah as of December 31, 2021 and 2020 is adequate.
memadai.
Pada tanggal 31 Desember 2021 dan 2020, tidak ada As of December 31, 2021 and 2020, there are no
penempatan pada bank lain yang digunakan sebagai placements with other banks used as collateral.
agunan.
Rata-rata tingkat imbal hasil adalah sebagai berikut: The annual average return ratio is as follows:
2021 2020
Deposito berjangka mudharabah IDR 0,46% 0,59% IDR Mudharabah time deposit
Deposito berjangka mudharabah USD 0,31% 0,34% USD Mudharabah time deposit
- 54 -
2021 Annual Report
7. INVESTASI PADA SURAT BERHARGA 7. INVESTMENT IN MARKETABLE SECURITIES
a. Berdasarkan tujuan, mata uang dan jenis: a. By purpose, currency and type:
2021 2020
Diukur pada nilai wajar Measured at fair value

Pihak Ketiga Third Parties
Rupiah Rupiah
Sukuk Pemerintah 21.107.546 13.294.851 Government Sukuk
Tersedia Untuk dijual Available-for-sale

Rupiah Rupiah
Reksadana Syariah -- -- Sharia Mutual Funds
Diukur pada biaya Measured at acquisition
perolehan cost
Rupiah Rupiah
Sukuk korporasi 21.140.073.300 8.063.650.015 Corporate sukuk
Sukuk pemerintah 5.774.779.665 2.770.842.371 Government sukuk
Surat berharga Repo Marketable Repo Securities
(Catatan 21) -- 1.337.600.000 (Note 21)
26.914.852.965 12.172.092.386
Jumlah 26.935.960.511 12.185.387.237 Total

penurunan nilai (9.975.000) (14.975.000) losses
Bersih 26.925.985.511 12.170.412.237 Net
b. Berdasarkan kolektibilitas b. By collectibility
Bank melakukan penilaian atas penurunan nilai The Bank assessed the marketable securities
surat berharga secara individual dengan adanya individually for impairment based on whether an
bukti objektif penurunan nilai. objective evidence of impairment exists.
c. Berdasarkan sisa umur jatuh tempo c. By remaining period to maturity
Klasifikasi jangka waktu surat berharga The classification of marketable securities by the
berdasarkan sisa umur sampai dengan saat jatuh remaining period to maturity is as follows:
tempo adalah sebagai berikut:
2021 2020
Rupiah Rupiah
 2 tahun 1.742.387.632 2.163.313.016  2 years
> 2 -  5 tahun 788.099.092 207.844.364 > 2 -  5 years
> 5 tahun 24.405.473.787 9.814.229.857 > 5 years
Jumlah 26.935.960.511 12.185.387.237 Total
Bersih 26.925.985.511 12.170.412.237 Net
- 55 -

d. Berdasarkan jenis dan penerbit d. By type and issuer
1) Sukuk Pemerintah 1) Government Sukuk
Sukuk Pemerintah merupakan sukuk yang Government Sukuk represents sukuk issued by
diterbitkan oleh Negara Republik Indonesia the Republic of Indonesia in connection with the
dalam rangka pengelolaan portofolio surat management of Government bonds portfolio.
utang negara.
Tingkat bagi hasil

rata-rata per
tahun/ 31 Desember / December 31,
Average annual
revenue sharing Tanggal jatuh tempo/
Seri/Series rate Maturity date 2021 2020
Diukur pada nilai wajar/

Measured at fair value
Rupiah
Seri SR 010 5,90% 10 Maret 2021/ March 10, 2021 -- 346.483
Seri SR 011 8,05% 10 Maret 2022/ March 10, 2022 3.448.369 7.477.674
Seri SR 012 6,30% 10 Maret 2023/ March 10, 2023 255.582 2.364.445
Seri SR 013 6,05% 10 Maret 2022/ March 10, 2022 2.311.110 2.616.747
Seri SR 014 5,47% 10 September 2023/ September 10, 2023 3.709.950 --
Seri SR 015 5,10% 10 September 2024/ September 10, 2024 5.188.038 --
PBS 002 5,45% 15 Januari 2022/ January 15, 2022 949.067 61.462
PBS 004 6,10% 15 Februari 2037/ February 15, 2037 1.680.581 --
PBS 019 8,30% 15 Januari 2022/ January 15, 2022 440.319 428.040
PBS 029 6,38% 15 Maret 2034/ March 15, 2034 3.124.530 --
21.107.546 13.294.851
Diukur pada biaya

perolehan/
Measured at acquisition
cost
Rupiah
Seri IFR 006 10,25% 15 Maret 2030/ March 15, 2030 353.110.988 150.593.636
Seri IFR 007 10,25% 15 Januari 2030/ January 15, 2030 20.397.740 1.856.944
Seri IFR 0010 10,00% 15 Febuari 2036/ February 15, 2036 414.566.176 220.152.337
Seri PBS 002 5,45% 15 Januari 2022/ January 15, 2022 39.980.431 --
Seri PBS 003 6,00% 15 Januari 2027/ January 15, 2027 348.751.842 97.280.078
Seri PBS 004 6,10% 15 Febuari 2037/ February 15, 2037 1.080.555.684 936.033.987
Seri PBS 005 6,75% 15 April 2043/ April 15, 2043 305.580.575 128.368.602
Seri PBS 012 8,88% 15 November 2031/November 15, 2031 367.585.366 134.977.962
Seri PBS 014 5,90% 10 Maret 2021/ March 10, 2021 -- 1.475.223
Seri PBS 017 6,13% 15 Oktober 2025/ October 15, 2025 247.632.448 45.207.584
Seri PBS 021 8,50% 15 November 2026/ November 15, 2026 214.471.214 111.347.727
Seri PBS 022 8,63% 15 April 2034/ April 15, 2034 244.580.091 33.122.847
Seri PBS 025 8,38% 15 Mei 2023/ May 15, 2023 495.389.007 --
Seri PBS 026 6,63% 15 Oktober 2024/ October 15, 2024 -- 101.622.320
SR010 5,90% 10 Maret 2021/ March 10, 2021 -- 29.899
SR011 3,78% 10 Maret 2022/ March 10, 2022 15.230.103 15.241.225
SUKBI2912211W 3,50% 5 Januari 2022/ January 5, 2022 1.138.280.000 --
SUKBI3112211W 3,50% 7 Januari 2022/ January 7, 2022 488.668.000 --
SUKBI0601211W 3,75% 6 Januari 2021/ January 6, 2021 -- 198.383.000
5.774.779.665 2.770.842.371
- 56 -
2021 Annual Report

2) Sukuk Korporasi 2) Corporate Sukuk
Tingkat bagi
hasil rata-rata
per tahun/ 31 Desember / December 31,
Average annual Tanggal jatuh Peringkat/
revenue sharing tempo/ Rating
Seri/Series rate Maturity date 2021 2020
Diukur pada biaya
perolehan/ Measured at
acquisition cost
15 November 2041/
Sukuk PT PPA -- November 15, 2041 -- 13.051.069.000 --
29 Juni 2038/
Sukuk Trust Certificate -- June 29, 2038 -- 8.000.000.000 8.000.000.000
Sukuk Ijarah Berkelanjutan I
PLN Tahap II Tahun 2013 10 Desember 2023/
Seri B 9,60% December 10, 2023 idAAA(sy) 49.029.300 48.675.015
Sukuk Sampoerna Agro Tbk 17 Maret 2024/
Tahun 2021 8,63% March 17, 2024 idA-(sy) 30.000.000 --
Sukuk Ijarah Berkelanjutan 5 Juli 2020/
PLN Tahap 1 Tahun 2013 8,00% July 5, 2020 idAAA(sy) -- --
Sukuk Berlian Laju 5 Juli 2012/
Tanker II Seri B 10,30% July 5, 2012 idD(sy) -- 5.000.000
Obligasi Sumberdaya
Sewatama I Tahun 2012 Seri 31 Maret 2024/
A 9,60% March 31, 2024 idA(sy) 9.975.000 9.975.000
21.140.073.300 8.063.650.015
Efek Efek Yang Dijual Dengan Janji Dibeli Kembali (Catatan 21) / -- 1.300.000.000
Securities Sold Under Repurchase Agreement (Note 21)
Jumlah / Total 26.935.960.511 12.185.387.237
e) Mutasi perubahan cadangan kerugian e) Changes in allowance for impairment losses of

penurunan nilai investasi pada surat berharga investment in marketable securities are as follows:
2021 2020
Saldo awal 14.975.000 14.975.000 Beginning balance

Penyisihan dalam tahun Provision during the year
berjalan (Catatan 36) -- -- (Note 36)
Penghapusbukuan (5.000.000) -- Write off
Saldo akhir 9.975.000 14.975.000 Ending balance
f) Mutasi perubahan laba yang belum direalisasi f) Changes in unrealized gain on increase in value
atas pemilikan investasi pada surat berharga of investments in securities available for sale -
tersedia untuk dijual - bersih: net:
2021 2020
Saldo Awal (126.840) (10.165.278) Beginning balance

Perubahan nilai investasi Change in value of
pada surat berharga - neto 2.130.012 10.038.438 investments in securities - net
Saldo Akhir 2.003.172 (126.840) Ending balance
- 57 -

g) Informasi penting lainnya: g) Other significant information is as follows:
Pada tanggal 09 September 2021, Bank telah On September 9, 2021, the Bank entered into an
melakukan perjanjian untuk melakukan aksi agreement to take corporate actions in order to
korporasi dalam rangka memperkuat permodalan strengthen capital and support the Company's
dan mendukung pertumbuhan bisnis Perseroan business growth as outlined in the Master
yang dituangkan dalam Master Restructuring Restructuring Agreement ("MRA"). The Bank
Agreement ("MRA"). Bank melakukan transaksi conduct asset management transactions/ asset
pengelolaan aset/ asset sale dengan sale with PT Perusahaan Pengelola Aset ("PPA")
PT Perusahan Pengelola Aset ("PPA") dan and strengthen the capital structure by the Hajj
penguatan struktur permodalan oleh Badan Financial Management Agency ("BPKH"). The
Pengelola Keuangan Haji ("BPKH"). MRA tersebut MRA was followed by a settlement transaction of
dilanjutkan dengan transaksi penyelesaian aset low quality assets with productive assets (asset
berkualitas rendah dengan aset produktif (asset sale) which was carried out on November 15,
sale) yang telah dilaksanakan pada tanggal 15 2021. The transaction consists of:
November 2021. Transaksi tersebut terdiri dari:
1. Penjualan Piutang dan Pembiayaan; 1. Sales of receivables and financing;

2. Pembelian Sukuk yang diterbitkan oleh PPA; 2. Purchase of sukuk securities which is issuance
dan by PPA; and
3. Penerbitan Sukuk oleh Bank Muamalat. 3. I s s u a n c e o f s u ku k s ecu r ities by Ban k
Muamalat.
Bank melakukan penjualan terhadap sekumpulan The Bank sold certain Receivables & Financing
tagihan Piutang & Pembiayaan yang telah receivables which represent the claims of verified
diverifikasi dan memenuhi kriteria pemilihan portfolio that meet the eligibility criteria for sale
untuk dijual oleh Bank sebagai Kreditur Awal and transfer by the Bank as Initial Creditor to PT
kepada PT AMC Indonesia Sukses ("AMC") selaku AMC Indonesia Sukses (“AMC”) as the buyer as
pembeli yang tertuang dalam Perjanjian stated in the Portfolio Transfer Agreement dated
Pengalihan Portofolio tertanggal 15 November November 15, 2021. Sales value of receivables
2021. Nilai Penjualan Piutang dan Pembiayaan and financing transferred to AMC is amounting to
yang dialihkan kepada AMC adalah sebesar Rp10,000,000,000 at the face value of the
Rp10.000.000.000, dengan harga sebesar nilai claims of portfolio on the final cut off date
pokok kumpulan tagihan portofolio pada tanggal November 15, 2021.
cut off final 15 November 2021.
Setelah terjadinya penjualan dan pengalihan Upon the sale and transfer to the buyer, the risk
kepada pembeli, risiko atas kumpulan tagihan of claims of portfolio is transferred from the Bank
portofolio telah beralih dari Bank kepada pembeli to the buyer including any profits and losses that
termasuk segala keuntungan dan kerugian yang will arise from the claims of portfolio.
akan timbul dari kumpulan tagihan portofolio
tersebut.
Pada tanggal 15 November 2021, Bank On November 15, 2021, Bank issued Certificate
menerbitkan Sertifikat Sukuk Mudharabah of Mudharabah Sukuk amounting to
sebesar Rp2.440.856.000 kepada PT PPA (lihat Rp2,440,856,000 to PT PPA (see note 27). The
catatan 27). Sukuk Mudharabah yang diterbitkan Mudharabah Sukuk was not issued through
oleh Bank tidak melalui penawaran umum (public public offering. It was issued through private
offering) tetapi dilakukan dengan mekanisme placement.
penawaran terbatas (private placement).
- 58 -
2021 Annual Report

g) Informasi penting lainnya: (lanjutan) g) Other significant information is as follows:

(continued)
Pada tanggal 15 November 2021, Bank On November 15, 2021, the Bank purchased
melakukan pembelian surat berharga dari Cinda marketable securities from Cinda International
International Asset Management Limited Asset Management Limited, domiciled in
berdomisili di Hongkong dengan nilai perolehan Hongkong at cost amounting to
sebesar Rp13.051.069.000. Surat berharga yang Rp13,051,069,000. The securities purchased by
dibeli tersebut merupakan sukuk yang diterbitkan issued by PT PPA are sukuk with a period of 20
oleh PT PPA dengan jangka waktu 20 (dua puluh) (twenty) years.
tahun.
Pada tanggal 29 Juni 2018, Bank telah On June 29, 2018, the Bank entered into a
melakukan perjanjian pengalihan portofolio atas portfolio transfer agreement for murabahah
piutang murabahah, pembiayaan mudharabah, receivables, mudharabah financing, musyarakah
pembiayaan musyarakah, pinjaman qardh, financing, funds of qardh, foreclosed assets and
Agunan Yang Diambil Alih (AYDA) dan aktiva other assets on the murabahah receivable margin
lainnya atas margin piutang murabahah serta and the revenue to be received for mudharabah
pendapatan yang akan diterima bagi hasil and musyarakah ("claims of portfolio") held.
mudharabah dan musyarakah ("kumpulan Subsequently, for the purpose of Bank
tagihan portofolio") yang dimilikinya. Dalam restructuring, the claims of verified portfolio
rangka penyehatan Bank, selanjutnya atas meeting the eligibility criteria for sale and
kumpulan tagihan portofolio yang telah transfer by the Bank as the Original Creditor have
diverifikasi dan memenuhi kriteria pemilihan been sold and transferred to Tameer Sukuk SPC
untuk dijual dan dialihkan oleh Bank sebagai Limited as the buyer as stipulated in the Portfolio
Kreditur Awal, telah dijual dan dialihkan ke Transfer Agreement dated June 29, 2018.
Tameer Sukuk SPC Limited selaku pembeli yang
tertuang dalam Perjanjian Pengalihan Portofolio
tertanggal 29 Juni 2018.
Nilai pokok kumpulan tagihan portofolio yang The principal amount of the claims of portfolio
dijual dan dialihkan tersebut yang merupakan sold and transferred, which represent the claims
kumpulan tagihan portofolio yang telah of verified portfolio that meet the eligibility
diverifikasi dan memenuhi kriteria pemilihan criteria for sale and transfer, is USD423,639,060
untuk dijual dan dialihkan dalam mata uang US (in full amount) or equivalent to
Dolar sebesar USD423.639.060 (dalam angka Rp6,000,000,000 (1 US Dollar = Rp14,163) at
penuh) atau senilai Rp6.000.000.000 (1 Dolar the face value of the claims of portfolio on the
AS = Rp14.163) dengan harga sebesar nilai final cut off date (June 29, 2018).
pokok kumpulan tagihan portofolio pada
tanggal cut off final (29 Juni 2018).
Setelah terjadinya penjualan dan pengalihan Upon the sale and transfer to the buyer, the risk
kepada pembeli, risiko atas kumpulan tagihan of claims of portfolio is transferred from the Bank
portofolio telah beralih dari Bank kepada pembeli to the buyer including any profits and losses that
termasuk segala keuntungan dan kerugian yang will arise from the claims of portfolio.
akan timbul dari kumpulan tagihan portofolio
tersebut.
Pada tanggal 29 Juni 2018, PT Bank Muamalat On June 29, 2018, PT Bank Muamalat Indonesia
Indonesia Tbk menerbitkan Sertifikat Sukuk Tbk issued Certificate of Mudharabah Sukuk
Mudharabah sebesar Rp1.600.000.000 kepada amounting to Rp1,600,000,000 to Mawthuq SPC
Mawthuq SPC Limited (lihat catatan 27). Sukuk Limited (see note 27). The Mudharabah Sukuk
Mudharabah yang diterbitkan oleh Bank tidak was not issued through public offering. It was
melalui penawaran umum (public offering) tetapi issued through private placement.
dilakukan dengan mekanisme penawaran
terbatas (private placement).
- 59 -

g) Informasi penting lainnya: (lanjutan) g) Other significant information is as follows:

(continued)
Pada tanggal 29 Juni 2018, PT Bank Muamalat On June 29, 2018, PT Bank Muamalat Indonesia
Indonesia Tbk melakukan pembelian Sukuk Trust Tbk purchased Sukuk Trust Certificate issued by
Certificate yang diterbitkan oleh Najah Sukuk SPC Najah Sukuk SPC limited, domiciled in the United
limited berdomisili di Uni Emirat Arab dalam mata Arab Emirates amounting to USD564,852,079 (in
uang US Dollar sebesar USD564.852.079 (dalam full amount) or equivalent to Rp8,000,000,000 (1
angka penuh) senilai Rp8.000.000.000 (1 USD = US Dollar = Rp14,163). The securities are in the
Rp14.163). Surat berharga tersebut terdiri dari form of sukuk consisting of Government
Surat Berharga Negara Indonesia dengan jangka Securities with an average period of 20 (twenty)
waktu rata-rata 20 (dua puluh) tahun. years.
Seluruh investasi pada surat berharga pada All investments in securities as of December 31,
tanggal 31 Desember 2021 dan 2020 2021 and 2020 are classified as current except
dikelompokkan lancar kecuali investasi surat for investments in securities with A Series
berharga Sukuk Sumberdaya Sewatama I Tahun Sumberdaya Sewatama Sukuk I of 2012, which
2012 Seri A yang dikelompokkan macet. are classified as loss.
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai investasi impairment losses is adequate to cover possible
pada surat berharga adalah cukup untuk losses that might arise from uncollectible
menutupi kemungkinan kerugian yang mungkin securities held to maturity.
timbul akibat tidak tertagihnya investasi pada
surat berharga.
8. PIUTANG 8. RECEIVABLES
a. Berdasarkan jenis, mata uang dan kolektibilitas: a. By type, currencies and collectibility:
2021 2020
Murabahah Murabahah
Rupiah Rupiah
Lancar 5.242.047.307 8.542.049.343 Current
Dalam perhatian khusus 1.630.160.719 2.332.565.181 Special Mention
Kurang lancar 11.885.065 35.287.212 Substandard
Diragukan 646.192 51.206.857 Doubtful
Macet 26.616.110 560.197.626 Loss
6.911.355.393 11.521.306.219

Lancar 639.410.603 1.237.053.507 Current
Dalam perhatian khusus 149.879.519 122.451.733 Special Mention
789.290.122 1.359.505.240
7.700.645.515 12.880.811.459
Bersih - Murabahah 7.478.377.247 12.528.830.821 Net - Murabahah
- 60 -
2021 Annual Report
8. PIUTANG (Lanjutan) 8. RECEIVABLES (Continued)
a. Berdasarkan jenis, mata uang dan kolektibilitas: a. By type, currencies and collectibility: (continued)
(lanjutan)
2021 2020
Istishna Istishna
Rupiah Rupiah
Lancar 1.702.215 2.858.792 Current

Lancar -- 15.079.618 Current
1.702.215 17.938.410
Bersih - Istishna 1.671.452 17.760.220 Net - Istishna
Piutang ijarah Ijarah receivables

Rupiah Rupiah
Lancar -- -- Current
Dalam perhatian khusus -- 238.226 Special Mention
Kurang lancar -- 8.873 Substandard
Diragukan -- -- Doubtful
Macet 1.096.729 5.695.093 Loss

Macet -- 768.198 Loss
1.096.729 6.710.390
Bersih - Ijarah -- 2.867.330 Net - Ijarah
Jumlah 7.703.444.459 12.905.460.259 Total

Bersih 7.480.048.699 12.549.458.371 Net
b. Berdasarkan sektor ekonomi: b. By economic sector:
2021 2020
Jasa usaha 285.320.577 1.252.679.192 Business services
Konstruksi 389.179.862 983.864.697 Construction
Industri 1.275.415.566 2.276.698.161 Manufacturing
Pengangkutan 384.408.027 894.453.990 Transportation
Perdagangan 895.427.873 1.576.852.055 Trading
Sosial/masyarakat 1.058.124.678 1.316.245.664 Social/public
Listrik, gas dan air 519.676.120 590.072.473 Electricity, gas and water
Pertanian 458.804.754 669.020.868 Agriculture
Pertambangan 35.852.457 239.853.663 Mining
Lainnya 2.398.233.093 3.101.546.386 Others
7.700.443.007 12.901.287.149
Pihak berelasi (Catatan 41) Related parties (Note 41)
Lainnya 3.001.452 4.173.110 Others
3.001.452 4.173.110
Jumlah 7.703.444.459 12.905.460.259 Total
Bersih 7.480.048.699 12.549.458.371 Net
- 61 -
c. Berdasarkan jangka waktu: c. By maturity:
2021 2020
Rupiah Rupiah
 1 tahun 2.442.911.318 4.560.028.290  1 year
> 1 -  2 tahun 489.097.526 707.402.704 > 1 -  2 years
> 2 -  5 tahun 1.298.213.833 1.767.922.962 > 2 -  5 years
> 5 tahun 3.470.220.330 5.865.933.193 > 5 years
7.700.443.007 12.901.287.149
 1 tahun -- --  1 year
> 1 -  2 tahun -- 89.810 > 1 -  2 years
> 2 -  5 tahun 323.374 300.368 > 2 -  5 years
> 5 tahun 2.678.078 3.782.932 > 5 years
3.001.452 4.173.110
Jumlah 7.703.444.459 12.905.460.259 Total
Bersih 7.480.048.699 12.549.458.371 Net
d. Berdasarkan sisa umur jatuh tempo: d. By remaining period to maturity:
2021 2020
Rupiah Rupiah
 1 tahun 3.263.283.122 5.691.378.058  1 year
> 1 -  2 tahun 505.733.387 916.889.703 > 1 -  2 years
> 2 -  5 tahun 2.138.771.383 2.168.218.414 > 2 -  5 years
> 5 tahun 1.792.655.115 4.124.800.974 > 5 years
7.700.443.007 12.901.287.149
Rupiah Rupiah
 1 tahun 45.712 92.942  1 year
> 1 -  2 tahun 209.668 207.451 > 1 -  2 years
> 2 -  5 tahun 2.286.127 1.522.782 > 2 -  5 years
> 5 tahun 459.945 2.349.935 > 5 years
3.001.452 4.173.110
Jumlah 7.703.444.459 12.905.460.259 Total
Bersih 7.480.048.699 12.549.458.371 Net
e. Berdasarkan keterkaitan: e. By relationship:

2021 2020

Karyawan Kunci 3.001.452 4.173.110 Key Employees
3.001.452 4.173.110
Jumlah 7.703.444.459 12.905.460.259 Total
Bersih 7.480.048.699 12.549.458.371 Net
- 62 -
2021 Annual Report
f. Tingkat margin rata-rata per tahun: f. Average profit margin rates per annum:
2021 2020

Dolar Amerika Serikat 4,09% 7,20% United States Dollar
g. Rincian piutang bermasalah menurut sektor g. Non-performing receivables by economic sector

ekonomi adalah sebagai berikut: are as follows:
2021 2020

Sosial/masyarakat 10.641.027 37.438.677 Social/public
Pertanian 40.264 2.164.291 Agriculture
Jasa Usaha 10.031 3.068.402 Business Services
Perdagangan -- 202.096.607 Trading
Industri -- 146.528.476 Manufacturing
Pengangkutan -- 17.915.072 Transportation
Listrik, Gas dan Air -- 10.470.881 Electricity, Gas and Water
Lainnya 9.507.559 200.872.035 Others
Jumlah 40.244.098 653.384.059 Total
Cadangan kerugian Allowance for
penurunan nilai (28.684.733) (211.396.975) impairment losses
Bersih 11.559.365 441.987.084 Net
h. Informasi penting lainnya: h. Other significant information is as follows:
Pada tanggal 15 November 2021, Bank telah On November 15, 2021, the Bank entered into a
melakukan transaksi penyelesaian aset berkualitas settlement transaction for low quality assets with
rendah dengan aset produktif (asset sale). earning assets (asset sale). Asset sale transactions
Transaksi asset sale telah dilaksanakan pada was carried out on November 15, 2021, one of
tanggal 15 November 2021 salah satunya berupa which is in the form of sales of receivables and
penjualan piutang dan pembiayaan. Dalam rangka financing. In the context of restructuring the Bank,
penyehatan Bank, selanjutnya atas kumpulan the collection of portfolio claims that have been
tagihan portofolio yang telah diverifikasi dan verified and meeting the eligibility criteria to be
memenuhi kriteria pemilihan untuk dijual dan sold and transferred by the Bank as the Initial
dialihkan oleh Bank sebagai Kreditur Awal, telah Creditor were then sold and transferred to PT AMC
dijual dan dialihkan ke PT AMC Indonesia Sukses Indonesia Sukses as the buyer as stated in the
selaku pembeli yang tertuang dalam Perjanjian Portfolio Transfer Agreement dated November 15,
Pengalihan Portofolio tertanggal 15 November 2021.
2021.
Nilai pokok piutang murabahah yang dijual dan The principal amount of the murabahah
dialihkan tersebut adalah sebesar Rp3.884.897.030 receivables sold and tr an s f er r ed is
yang terdiri dari 1.500 nasabah dengan harga Rp3,884,897,030, consisting of 1,500 debtors at a
sebesar nilai pokok piutang murabahah pada price equal to the principal amount of the
tanggal cut off final (15 November 2021). Setelah murabahah receivables on the final cut off date
terjadinya penjualan dan pengalihan piutang (November 15, 2021). Upon the sale and transfer
murabahah tersebut, risiko telah beralih dari Bank of such murabahah receivables, the risk is
kepada pembeli termasuk segala keuntungan dan transferred from the Bank to the buyer, including
kerugian yang akan timbul. any profits and losses that will arise.
- 63 -
h. Informasi penting lainnya: (lanjutan) h. Other significant information is as follows:

(continued)
Pada tanggal 29 Juni 2018, Bank telah melakukan On June 29, 2018, the Bank entered into a
perjanjian pengalihan portofolio atas piutang portfolio transfer agreement on murabahah
murabahah (lihat catatan 7). Selanjutnya atas receivables (see note 7). Subsequently, the
piutang murabahah dan margin murabahah yang murabahah receivables and murabahah margin
telah memenuhi kriteria pemilihan dijual dan meeting the eligibility criteria are sold and
dialihkan oleh Bank, sebagai Kreditur Awal, ke transferred by the Bank, as the Original Creditor,
Tameer Sukuk SPC Limited selaku pembeli yang to Tameer Sukuk SPC Limited as the buyer as
tertuang dalam Perjanjian Pengalihan Portofolio stated in the Portfolio Transfer Agreement dated
tertanggal 29 Juni 2018. June 29, 2018.
Nilai pokok piutang murabahah dan margin The principal amount of the murabahah
murabahah yang dijual dan dialihkan tersebut receivables and murabahah margin sold and
adalah sebesar Rp1.550.228.145 yang terdiri dari transferred is Rp1,550,228,145, consisting of
2.997 nasabah dengan harga sebesar nilai pokok 2,997 debtors at a price equal to the principal
piutang murabahah pada tanggal cut off final amount of the murabahah receivables on the final
(29 Juni 2018). Setelah terjadinya penjualan dan cut off date (June 29, 2018). Upon the sale and
pengalihan piutang murabahah tersebut, risiko transfer of such murabahah receivables, the risk is
telah beralih dari Bank kepada pembeli termasuk transferred from the Bank to the buyer, including
segala keuntungan dan kerugian yang akan timbul. any profits and losses that will arise.
,
Jumlah piutang yang direstrukturisasi Bank sampai Receivables that have been restructured by the
dengan tanggal 31 Desember 2021 dan 2020 Bank as of December 31, 2021 and 2020
masing-masing adalah sebesar Rp5.698.198.620 amounted to Rp5,698,198,620 and
dan Rp5.235.415.763. Skema restrukturisasi Rp5,235,415,763, respectively. Restructuring
umumnya dilakukan dengan perpanjangan masa scheme generally involves extension of the
pelunasan piutang dan penjadwalan kembali receivables maturity date and rescheduling of
pembayaran yang tertunggak. overdue payment.
Piutang sindikasi merupakan piutang yang Syndicated receivables represent financing

diberikan kepada debitur dibawah perjanjian provided to debtors under syndication agreements
pembiayaan bersama dengan bank-bank lain. with other banks. The total amount of syndicated
Jumlah piutang sindikasi yang diberikan Bank receivables provided by the Bank amounted to
adalah sebesar Rp176.014.880 dan Rp639.376.750 Rp176,014,880 and Rp639,376,750, as of
masing-masing pada tanggal 31 Desember 2021 December 31, 2021 and 2020, respectively. The
dan 2020. Keikutsertaan Bank sebagai pimpinan Bank’s participation as a leader in the syndicated
sindikasi berkisar 0,80% sampai dengan 63,33% receivables is 0.80% to 63.33% as of December
pada tanggal 31 Desember 2021 dan 2020, 31, 2021 and 2020. The Bank’s participation as a
sedangkan sebagai anggota sindikasi berkisar member in the syndicated receivables is 8.36% to
8,36% sampai dengan 20,08% masing-masing 20.08% as of December 31, 2021 and 2020,
pada tanggal 31 Desember 2021 dan 2020. respectively.
Dalam laporan Batas Maksimum Pemberian Kredit In its report on Legal Lending Limit (LLL) to FSA as
(BMPK) per tanggal-tanggal 31 Desember 2021 of December 31, 2021 and 2020, the Bank
dan 2020 kepada OJK, Bank tidak memiliki debitur, indicated that there is no debtor, either related
baik pihak terkait maupun pihak tidak terkait yang party or third party, who did not comply with or
tidak memenuhi atau melampaui ketentuan BMPK. who has exceeded the LLL.
Piutang dijamin agunan yang diikat dengan hak Receivables are guaranteed with registered
tanggungan atau surat kuasa memasang hak mortgages or power of attorney to mortgage and
tanggungan atau surat kuasa untuk menjual, sell, mudharabah time deposits (note 27) or other
deposito mudharabah (catatan 27) atau jaminan collaterals generally accepted by the Bank.
lain yang umumnya dapat diterima oleh Bank.
- 64 -
2021 Annual Report

(continued)
Tabel Non-Performing Financing (NPF) bruto dan neto The table of total gross and net Non-Performing
atas jumlah piutang adalah sebagai berikut: Financing (NPF) on receivables is as follows:
2021 2020
NPF - bruto 40.244.098 653.384.059 NPF - gross

Persentase NPF - bruto 0,52% 5,06% Percentage of NPF - gross
NPF - neto 11.559.365 441.987.084 NPF - net

Persentase NPF - neto 0,15% 3,42% Percentage of NPF - net
Perubahan cadangan kerugian penurunan nilai Changes in allowance for impairment losses on
piutang adalah sebagai berikut: receivables are as follows:
2021 2020
Saldo awal tahun 356.001.888 338.332.952 Balance at the beginning of the year
Penyisihan (pembalikan) Provision (reversal)
tahun berjalan (Catatan 36) (134.950.075) (12.265.700) during the year (Note 36)
Penerimaan piutang yang Recovery of
telah dihapusbukukan 2.407.089 30.037.000 written-off receivables
Penghapusbukuan -- (40.909) Written-off
Selisih kurs penjabaran (63.142) (61.455) Exchange rate differences
Saldo akhir tahun 223.395.760 356.001.888 Balance at the end of the year
kerugian penurunan nilai piutang adalah cukup impairment losses is adequate to cover losses that
untuk menutupi kerugian yang mungkin timbul might arise from uncollectible receivables.
akibat tidak tertagihnya piutang tersebut.
9. PINJAMAN QARDH 9. FUNDS OF QARDH
a. Berdasarkan jenis dan kolektibilitas: a. By type and collectibility:
2021 2020
Rupiah Rupiah
Lancar 424.732.439 526.601.216 Current
Dalam perhatian khusus 136.045.498 113.615.992 Special Mention
Kurang lancar 22.558 -- Substandard
Macet -- 131.650.531 Loss
560.800.495 771.867.739
Mata uang asing Foreign Currency
Lancar 128.234.871 126.440.316 Current

Lainnya 133.960 24.420 Others
Jumlah 689.169.326 898.332.475 Total

Bersih 672.165.061 883.436.562 Net
- 65 -
9. PINJAMAN QARDH (Lanjutan) 9. FUNDS OF QARDH (Continued)
2021 2020

Perdagangan 316.882.805 436.947.563 Trading
Industri 55.083.665 159.259.267 Manufacturing
Jasa usaha 38.746.299 264.444.020 Business services
Sosial/masyarakat 14.000.000 864.870 Social/public
Pertanian -- 24.981.472 Agriculture
Lainnya 264.322.597 11.810.863 Others
689.035.366 898.308.055

133.960 24.420
Jumlah 689.169.326 898.332.475 Total

Bersih 672.165.061 883.436.562 Net
2021 2020

Rupiah Rupiah
 1 tahun 545.487.839 822.031.247  1 year
> 1 -  2 tahun 13.302.235 4.828.673 > 1 -  2 years
> 2 -  5 tahun 81.599.505 21.960.126 > 2 -  5 years
> 5 tahun 48.645.787 49.488.009 > 5 years
689.035.366 898.308.055

 1 tahun 133.960 24.420 1 year
133.960 24.420
Jumlah 689.169.326 898.332.475 Total

Bersih 672.165.061 883.436.562 Net
- 66 -
2021 Annual Report
2021 2020

Rupiah Rupiah
 1 tahun 559.609.852 841.967.295  1 year
> 1 -  2 tahun 19.832.719 1.329.352 > 1 -  2 years
> 2 -  5 tahun 60.853.790 5.526.978 > 2 -  5 years
> 5 tahun 48.739.005 49.484.430 > 5 years
689.035.366 898.308.055

> 1 -  2 tahun 16.986 -- > 1 -  2 years
> 2 -  5 tahun 116.974 24.420 > 2 -  5 years
133.960 24.420
Jumlah 689.169.326 898.332.475 Total

Bersih 672.165.061 883.436.562 Net
2021 2020

Karyawan kunci 133.960 24.420 Key employees
Jumlah 689.169.326 898.332.475 Total
Bersih 672.165.061 883.436.562 Net
f. Rincian pinjaman qardh bermasalah menurut f. Non-performing funds of qardh by economic

sektor ekonomi adalah sebagai berikut: sector are as follows:
2021 2020

Sosial / Masyarakat -- 769.000 Social/public
Jumlah 22.558 131.650.531 Total
penurunan nilai (3.384) (4.204.329) losses
Bersih 19.174 127.446.202 Net
- 67 -
g. Informasi penting lainnya: g. Other significant information is as follows:
Tabel Non-Performing Financing (NPF) bruto dan The table of total gross and net Non-Performing
neto atas jumlah pinjaman qardh adalah sebagai Financing (NPF) on funds of qardh is as follows:
berikut:
2021 2020
NPF - bruto 22.558 131.650.531 NPF - gross

NPF - netto 19.174 127.446.202 NPF - net

Persentase NPF - netto 0,00% 14,19% Percentage of NPF - net
pinjaman qardh adalah sebagai berikut: funds of qardh are as follows:
2021 2020
tahun berjalan (Catatan 36) 2.076.804 10.856.810 during the year (Note 36)
Penerimaan pinjaman Recovery of
yang telah dihapusbukukan -- 207.140 written-off
Selisih Kurs Penjabaran 31.548 14.331 Exchange rate differences
rendah dengan aset produktif (asset sale). earning assets (asset sale). Asset sale
Transaksi asset sale telah dilaksanakan pada transactions was carried out on November 15,
tanggal 15 November 2021 salah satunya berupa 2021, one of which is in the form of sales of
penjualan pinjaman qardh. Dalam rangka funds of qardh. In the context of restructuring
penyehatan Bank, selanjutnya atas kumpulan the Bank, the collection of portfolio claims that
tagihan portofolio yang telah diverifikasi dan have been verified and meeting the eligibility
memenuhi kriteria pemilihan untuk dijual dan criteria to be sold and transferred by the Bank as
dialihkan oleh Bank sebagai Kreditur Awal, telah the Initial Creditor were then sold and transferred
dijual dan dialihkan ke PT AMC Indonesia Sukses to PT AMC Indonesia Sukses as the buyer as
selaku pembeli yang tertuang dalam Perjanjian stated in the Portfolio Transfer Agreement dated
Pengalihan Portofolio tertanggal 15 November November 15, 2021.
2021.
Nilai pokok pinjaman qardh yang dijual dan The principal amount of the funds of qardh sold
dialihkan tersebut adalah sebesar Rp354.979.768 and transferred is Rp354,979,768 consisting of 12
yang terdiri dari 12 nasabah dengan harga debtors at a price equal to the principal amount
sebesar nilai pokok pinjaman qardh pada tanggal of funds of qardh on the final cut off date
cut off final (15 November 2021). Setelah (November 15, 2021). Upon the sale and transfer
terjadinya penjualan dan pengalihan pinjaman of the funds of qardh, the risk is transferred from
qardh tersebut, risiko telah beralih dari Bank the Bank to the buyer, including any profits and
kepada pembeli termasuk segala keuntungan dan losses that will arise.
kerugian yang akan timbul.
- 68 -
2021 Annual Report
g. Informasi penting lainnya: (lanjutan) g. Other significant information is as follows:

(continued)
perjanjian pengalihan portofolio atas pinjaman portfolio transfer agreement on funds of qardh
qardh (lihat catatan 7). Selanjutnya atas pinjaman (see note 7). Subsequently, funds of qardh
qardh yang telah memenuhi kriteria pemilihan meeting the eligibility criteria are sold and
dijual dan dialihkan oleh Bank, sebagai Kreditur transferred by the Bank, as the Original Creditor,
Awal, ke Tameer Sukuk SPC Limited selaku to Tameer Sukuk SPC Limited as the buyer as
pembeli yang tertuang dalam Perjanjian stated in the Portfolio Transfer Agreement dated
Pengalihan Portofolio tertanggal 29 Juni 2018. June 29, 2018.
Nilai pokok pinjaman qardh yang dijual dan The principal amount of the funds of qardh sold
dialihkan tersebut adalah sebesar Rp74.234.774 and transferred is Rp74,234,774 consisting of 719
yang terdiri dari 719 nasabah dengan harga debtors at a price equal to the principal amount
sebesar nilai pokok pinjaman qardh pada tanggal of funds of qardh on the final cut off date (June
cut off final (29 Juni 2018). Setelah terjadinya 29, 2018). Upon the sale and transfer of the
penjualan dan pengalihan pinjaman qardh funds of qardh, the risk is transferred from the
tersebut, risiko telah beralih dari Bank kepada Bank to the buyer, including any profits and
pembeli termasuk segala keuntungan dan losses that will arise.
kerugian yang akan timbul.
Dalam laporan Batas Maksimum Pemberian Kredit In its report on Legal Lending Limit (LLL) to Bank
(BMPK) pada tanggal-tanggal 31 Desember 2021 Indonesia as of December 31, 2021 and 2020,
dan 2020 kepada Bank Indonesia, Bank tidak the Bank indicated that there is no debtor, either
memiliki debitur, baik pihak terkait maupun pihak related party or third party, who did not comply
tidak terkait yang tidak memenuhi atau with or who has exceeded the LLL.
melampaui ketentuan BMPK.
Jumlah pinjaman qardh yang direstrukturisasi Bank Funds of Qardh that have been restructured by
sampai dengan tanggal 31 Desember 2021 dan the Bank as of December 31, 2021 and 2020,
2 0 2 0 m asing-masing adalah s ebes ar amounted to Rp405,836,863 and Rp201,731,224,
Rp405.836.863 dan Rp201.731.224. Skema respectively. Restructuring scheme generally
restrukturisasi umumnya dilakukan dengan involves extension of the funds maturity date and
perpanjangan masa pelunasan pinjaman dan rescheduling of overdue payment.
penjadwalan kembali pembayaran yang
tertunggak.
kerugian penurunan nilai piutang adalah cukup impairment losses is adequate to cover losses
untuk menutupi kerugian yang mungkin timbul that might arise from uncollectible funds of
akibat tidak tertagihnya pinjaman qardh tersebut. qardh.
- 69 -
10. PEMBIAYAAN MUDHARABAH 10. MUDHARABAH FINANCING
a. Berdasarkan jenis kolektibilitas dan mata uang: a. By collectibility and currencies:
2021 2020
Rupiah Rupiah
Lancar 524.595.975 601.718.460 Current
Dalam perhatian khusus 1.543.994 5.786.966 Special mention
Kurang lancar -- -- Substandard
Macet -- 12.569.940 Loss
Jumlah 526.139.969 620.075.366 Total
Bersih 517.034.516 613.557.316 Net
2021 2020
Pertambangan 3.370.578 4.213.223 Mining
Lainnya 211.160.512 62.745.552 Others
Jumlah 526.139.969 620.075.366 Total
Bersih 517.034.516 613.557.316 Net
2021 2020
Rupiah Rupiah
 1 tahun 57.007.239 306.771.883  1 year
> 1 -  2 tahun 337.888.664 19.125.658 > 1 -  2 years
> 2 -  5 tahun 75.747.534 187.880.547 > 2 -  5 years
> 5 tahun 55.496.532 106.297.278 > 5 years
Jumlah 526.139.969 620.075.366 Total
Bersih 517.034.516 613.557.316 Net
2021 2020
 1 tahun 384.194.970 413.411.528  1 year
> 1 -  2 tahun 10.700.933 82.711.670 > 1 -  2 years
> 2 -  5 tahun 67.049.423 66.651.668 > 2 -  5 years
> 5 tahun 64.194.643 57.300.500 > 5 years
Jumlah 526.139.969 620.075.366 Total
Bersih 517.034.516 613.557.316 Net
- 70 -
2021 Annual Report
10. PEMBIAYAAN MUDHARABAH 10. MUDHARABAH FINANCING
2021 2020

Pihak berelasi (Catatan 41) -- -- Related parties (Note 41)
Jumlah 526.139.969 620.075.366 Total
Bersih 517.034.516 613.557.316 Net
f. Rincian pembiayaan mudharabah bermasalah f. Non-performing mudharabah financing by

menurut sektor ekonomi adalah sebagai berikut: economic sector is as follows:
2021 2020
Jasa usaha -- 12.569.940 Business services

Jumlah -- 12.569.940 Total
penurunan nilai -- (401.428) losses
Bersih -- 12.168.512 Net
g. Tingkat bagi hasil rata-rata per tahun: g. Average revenue sharing rates per annum:
2021 2020
Jumlah pembiayaan yang telah direstrukturisasi Financing that has been restructured by Bank as
Bank pada tanggal 31 Desember 2021 dan 2020 of December 31, 2021 and 2020, is amounting to
masing-masing adalah sebesar Rp887.000 dan Rp887,000 and Rp29,560,802, respectively.
Rp29.560.802. Skema restrukturisasi umumnya Restructuring scheme generally involves extension
dilakukan dengan perpanjangan masa pelunasan of the financing maturity date and rescheduling of
pembiayaan dan penjadwalan kembali pembayaran overdue payment.
yang tertunggak.
Pembiayaan sindikasi merupakan pembiayaan yang Syndicated financing represents financing

diberikan kepada debitur di bawah perjanjian provided to debtors under syndication agreements
pembiayaan bersama dengan bank-bank lain. with other banks. There was no syndicated
Tidak terdapat pembiayaan sindikasi kepada financing to debtors as of December 31, 2021 and
debitur masing-masing pada tanggal 31 Desember 2020.
2021 dan 2020.
- 71 -
10. PEMBIAYAAN MUDHARABAH (Lanjutan) 10. MUDHARABAH FINANCING (Continued)

(continued)
rendah dengan aset produktif (asset sale). earning assets (asset sale). Asset sale
Transaksi asset sale telah dilaksanakan pada transactions was carried out on November 15,
tanggal 15 November 2021 salah satunya berupa 2021, one of which is in the form of sales of
penjualan pembiayaan mudharabah. Dalam rangka mudharabah financing. In the context of
penyehatan Bank, selanjutnya atas kumpulan restructuring the Bank, the collection of portfolio
tagihan portofolio yang telah diverifikasi dan claims that have been verified and meeting the
memenuhi kriteria pemilihan untuk dijual dan eligibility criteria to be sold and transferred by the
dialihkan oleh Bank sebagai Kreditur Awal, telah Bank as the Initial Creditor were then sold and
dijual dan dialihkan ke PT AMC Indonesia Sukses transferred to PT AMC Indonesia Sukses as the
selaku pembeli yang tertuang dalam Perjanjian buyer as stated in the Portfolio Transfer
Pengalihan Portofolio tertanggal 15 November Agreement dated November 15, 2021.
2021.
Nilai pokok pembiayaan mudharabah yang dijual The principal amount of the mudharabah
dan dialihkan tersebut adalah sebesar financing sold and transferred is Rp10,392,436,
Rp10.392.436 yang terdiri dari 9 nasabah dengan consisting of 9 debtors at a price equal to the
harga sebesar nilai pokok pembiaayaan principal amount of mudharabah financing on the
mudharabah pada tanggal cut off final (15 final cut off date (November 15, 2021). Upon the
November 2021). Setelah terjadinya penjualan dan sale and transfer of such mudharabah financing,
pengalihan pembiayaan mudharabah tersebut, the risk is transferred from the Bank to the buyer,
risiko telah beralih dari Bank kepada pembeli including any profits and losses that will arise.
termasuk segala keuntungan dan kerugian yang
akan timbul.
perjanjian pengalihan portofolio atas pembiayaan portfolio transfer agreement on mudharabah
mudharabah dan pendapatan yang akan diterima financing and revenue to be received for
bagi hasil mudharabah (lihat catatan 7). mudharabah revenue sharing (see note 7).
Selanjutnya atas pembiayaan mudharabah yang Subsequently, the mudharabah financing meeting
telah memenuhi kriteria pemilihan untuk dijual dan the eligibility criteria is sold and transferred by the
dialihkan oleh Bank, sebagai Kreditur Awal ke Bank, as the Original Creditor, to Tameer Sukuk
Tameer Sukuk SPC Limited selaku pembeli yang SPC Limited as the buyer as stated in the Portfolio
tertuang dalam Perjanjian Pengalihan Portofolio Transfer Agreement dated June 29, 2018.
Nilai pokok pembiayaan mudharabah yang dijual The principal amount of the mudharabah
dan dialihkan tersebut adalah sebesar financing sold and transferred is Rp184,556,210,
Rp184.556.210 yang terdiri dari 121 nasabah consisting of 121 debtors at a price equal to the
dengan harga sebesar nilai pokok pembiayaan principal amount of mudharabah financing on the
mudharabah pada tanggal cut off final (29 Juni final cut off date (June 29, 2018). Upon the sale
2018). Setelah terjadinya penjualan dan and transfer of such mudharabah financing, the
pengalihan pembiayaan mudharabah tersebut, risk is transferred from the Bank to the buyer,
risiko telah beralih dari Bank kepada pembeli including any profits and losses that will arise.
akan timbul.
- 72 -
2021 Annual Report
10. PEMBIAYAAN MUDHARABAH (Lanjutan) 10. MUDHARABAH FINANCING (Continued)

(continued)
(BMPK) per tanggal-tanggal 31 Desember 2021 Indonesia as of December 31, 2021 and 2020,
dan 2020 kepada Bank Indonesia, Bank tidak the Bank indicated that there is no debtor, either
memiliki debitur baik pihak terkait maupun pihak related party or third party, who did not comply
tidak terkait, sesuai dengan peraturan Bank with or who has exceeded the Legal Lending
Indonesia yang tidak memenuhi atau melampaui Limit.
ketentuan BMPK.
neto atas jumlah pembiayaan mudharabah adalah Financing (NPF) on mudharabah financing is as
sebagai berikut: follows:
2021 2020
NPF - bruto -- 12.569.940 NPF - gross

NPF - neto -- 12.168.512 NPF - net

pembiayaan mudharabah adalah sebagai berikut: mudharabah financing are as follows:
2021 2020
tahun berjalan (Catatan 36) 1.013.968 (1.697.876) during the year (Note 36)
yang telah dihapusbukukan 1.573.435 199.068 written-off loans
kerugian penurunan nilai pembiayaan adalah impairment losses is adequate to cover possible
cukup untuk menutupi kemungkinan kerugian losses that might arise from uncollectible
yang mungkin timbul akibat tidak tertagihnya financing.
pembiayaan tersebut.
- 73 -
11. PEMBIAYAAN MUSYARAKAH 11. MUSYARAKAH FINANCING
a. Berdasarkan jenis kolektibilitas dan mata uang: a. By collectibility and currencies:
2021 2020
Rupiah Rupiah
Lancar 6.692.134.190 9.676.590.668 Current
Dalam perhatian khusus 1.660.286.720 3.070.880.600 Special mention
Kurang lancar 3.737.979 7.362.603 Substandard
Diragukan 2.300.661 25.307.052 Doubtful
Macet 73.657.621 560.027.867 Loss
8.432.117.171 13.340.168.790
Lancar 690.276.949 1.138.306.892 Current
Dalam perhatian khusus -- -- Special mention
690.276.949 1.138.306.892
Jumlah 9.122.394.120 14.478.475.682 Total

Bersih 8.831.663.553 14.277.575.162 Net
2021 2020

Jasa usaha 1.633.687.002 1.475.699.701 Business services
Industri 1.396.170.486 2.655.552.859 Manufacturing
Perdagangan 1.248.593.775 1.274.614.076 Trading
Listrik, gas dan air 928.888.467 1.670.860.158 Electricity, gas and water
Pertambangan 664.792.528 1.841.475.594 Mining
Konstruksi 577.261.721 1.204.928.400 Construction
Lainnya 1.622.721.315 2.440.549.683 Others
9.121.102.309 14.476.666.949

Lainnya 1.291.811 1.808.733 Others
1.291.811 1.808.733
Jumlah 9.122.394.120 14.478.475.682 Total

Bersih 8.831.663.553 14.277.575.162 Net
- 74 -
2021 Annual Report
11. PEMBIAYAAN MUSYARAKAH (Lanjutan) 11. MUSYARAKAH FINANCING (Continued)
2021 2020
Rupiah Rupiah
 1 tahun 2.309.965.206 4.886.876.197  1 year
> 1 -  2 tahun 808.512.053 908.801.196 > 1 -  2 years
> 2 -  5 tahun 1.980.971.812 3.171.479.162 > 2 -  5 years
> 5 tahun 4.021.653.238 5.509.510.394 > 5 years
9.121.102.309 14.476.666.949
> 5 tahun 1.291.811 1.808.733 > 5 years
1.291.811 1.808.733
Jumlah 9.122.394.120 14.478.475.682 Total
Bersih 8.831.663.553 14.277.575.162 Net
2021 2020
 1 tahun 3.433.284.575 6.279.900.497  1 year
> 1 -  2 tahun 797.864.680 682.690.209 > 1 -  2 years
> 2 -  5 tahun 2.809.876.344 3.631.328.043 > 2 -  5 years
> 5 tahun 2.080.076.711 3.882.748.200 > 5 years
9.121.102.310 14.476.666.949
 1 tahun 18.131 29.298  1 year
 2 -  5 tahun 427.479 758.273  2 -  5 years
> 5 tahun 846.200 1.021.162 > 5 years
1.291.810 1.808.733
Jumlah 9.122.394.120 14.478.475.682 Total
Bersih 8.831.663.553 14.277.575.162 Net
2021 2020

Karyawan kunci 1.291.811 1.808.733 Key employees
1.291.811 1.808.733
Jumlah 9.122.394.120 14.478.475.682 Total
Bersih 8.831.663.553 14.277.575.162 Net
- 75 -
f. Rincian pembiayaan musyarakah bermasalah f. Non-performing musyarakah financing by

menurut sektor ekonomi adalah sebagai berikut: economic sector is as follows:
2021 2020

Perdagangan 5.967.657 100.950.859 Trading
Industri -- 20.824.074 Manufacturing
Lainnya 1.710.724 218.836.477 Others
Jumlah 79.696.262 592.697.522 Total
Bersih 4.627.613 566.564.073 Net
g. Tingkat margin rata-rata per tahun: g. Average profit margin rates per annum:
2021 2020

Dolar Amerika Serikat 7,00% 7,73% United States Dollar
Pembiayaan sindikasi merupakan piutang yang Syndicated financing represents financing

diberikan kepada debitur di bawah perjanjian provided to debtors under syndication agreements
pembiayaan bersama dengan bank-bank lain. with other banks. As of December 31, 2021 and
Jumlah pembiayaan sindikasi yang diberikan Bank 2020, total syndicated financing amounted to
adalah sebesar Rp835.671.605 dan Rp757.513.246 Rp835,671,605 and Rp757,513,246, respectively.
masing-masing pada tanggal 31 Desember 2021 Bank’s participation as leader in the syndicated
dan 2020. Keikutsertaan Bank sebagai pimpinan financing as of December 31, 2021 and 2020 is
sindikasi pada tanggal 31 Desember 2021 dan ranging from 3.33% to 68.34%. Bank’s
2020 sebesar 3,33% sampai dengan 68,34%, participation as member in the syndicated
sedangkan sebagai anggota sindikasi berkisar financing is ranging from 4.30% to 25.00% as of
4,30% sampai dengan 25,00% pada tanggal 31 December 31, 2021 and 2020.
Desember 2021 dan 2020.
Jumlah pembiayaan yang telah direstrukturisasi Financing that has been restructured by Bank as of
Bank pada tanggal 31 Desember 2021 dan 2020 December 31, 2021 and 2020 is amounting to
masing-masing adalah sebesar Rp8.401.472.495 Rp8,401,472,495 and Rp10,214,470,743,
dan Rp10.214.470.743. Skema restrukturisasi respectively. Restructuring scheme generally
umumnya dilakukan dengan perpanjangan masa involves extension of the financing maturity date
pelunasan pembiayaan dan penjadwalan kembali and rescheduling of overdue payment.
pembayaran yang tertunggak.
- 76 -
2021 Annual Report

(continued)
rendah dengan aset produktif (asset sale). earning assets (asset sale). Asset sale transactions
Transaksi asset sale telah dilaksanakan pada was carried out on November 15, 2021, one of
tanggal 15 November 2021 salah satunya berupa which is in the form of sales of musyarakah
penjualan pembiayaan musyarakah. Dalam rangka financing. In the context of restructuring the Bank,
penyehatan Bank, selanjutnya atas kumpulan the collection of portfolio claims that have been
tagihan portofolio yang telah diverifikasi dan verified and meeting the eligibility criteria to be
memenuhi kriteria pemilihan untuk dijual dan sold and transferred by the Bank as the Initial
dialihkan oleh Bank sebagai Kreditur Awal, telah Creditor were then sold and transferred to PT AMC
dijual dan dialihkan ke PT AMC Indonesia Sukses Indonesia Sukses as the buyer as stated in the
selaku pembeli yang tertuang dalam Perjanjian Portfolio Transfer Agreement dated November 15,
Pengalihan Portofolio tertanggal 15 November 2021.
2021.
Nilai pokok pembiayaan musyarakah yang dijual The principal amount of the musyarakah financing
dan dialihkan tersebut adalah sebesar sold and transferred is Rp5,749,730,766,
Rp5.749.730.766 yang terdiri dari 1.936 nasabah consisting of 1,936 debtors at a nominal value of
dengan harga sebesar nilai pokok pembiayaan musyarakah financing at the final cut off date
musyarakah pada tanggal cut off final (15 (November 15, 2021). Upon the sale and transfer
November 2021). Setelah terjadinya penjualan dan of such musyarakah financing, the risk is
pengalihan pembiayaan musyarakah tersebut, transferred from the Bank to the buyer, including
risiko telah beralih dari Bank kepada pembeli any profits and losses that will arise.
akan timbul.
perjanjian pengalihan portofolio atas pembiayaan portfolio transfer agreement on musyarakah
musyarakah dan pendapatan yang akan diterima financing and revenue to be received for
bagi hasil musyarakah (lihat catatan 7). musyarakah revenue sharing (see note 7).
Selanjutnya atas pembiayaan musyarakah yang Subsequently, musyarakah financing meeting the
telah memenuhi kriteria pemilihan untuk dijual dan eligibility criteria is sold and transferred by the
dialihkan oleh Bank, sebagai Kreditur Awal ke Bank, as the Original Creditor, to Tameer Sukuk
Tameer Sukuk SPC Limited selaku pembeli yang SPC Limited as the buyer as stated in the Portfolio
tertuang dalam Perjanjian Pengalihan Portofolio Transfer Agreement dated June 29, 2018.
Nilai pokok pembiayaan musyarakah yang dijual The principal amount of the musyarakah financing
dan dialihkan tersebut adalah sebesar sold and transferred is Rp2,242,643,282,
Rp2.242.643.282 yang terdiri dari 1.877 nasabah consisting of 1,877 debtors at a nominal value of
dengan harga sebesar nilai pokok pembiayaan musyarakah financing at the final cut off date
musyarakah pada tanggal cut off final (29 Juni (June 29, 2018). Upon the sale and transfer of
2018). Setelah terjadinya penjualan dan such musyarakah financing, the risk is transferred
pengalihan pembiayaan musyarakah tersebut, from the Bank to the buyer, including any profits
risiko telah beralih dari Bank kepada pembeli and losses that will arise.
akan timbul.
(BMPK) pada tanggal 31 Desember 2021 dan 2020 Indonesia as of December 31, 2021 and 2020,
kepada Bank Indonesia, Bank tidak memiliki Bank indicated that there is no debtor, either
debitur baik pihak terkait maupun pihak tidak related party or third party, who did not comply
terkait, sesuai dengan peraturan Bank Indonesia with or who has exceeded the Legal Lending Limit.
yang tidak memenuhi atau melampaui ketentuan
BMPK.
- 77 -

(continued)
neto atas jumlah pembiayaan musyarakah adalah Financing (NPF) on musyarakah financing is as
2021 2020
NPF - bruto 79.696.262 592.697.522 NPF - gross

NPF - neto 4.627.613 566.564.073 NPF - net

pembiayaan musyarakah adalah sebagai berikut: musyarakah financing are as follows:
2021 2020
yang telah dihapusbukukan 3.738.118 19.018.030 written-off loans
Penghapusbukuan -- (45.871) Written off
Selisih kurs penjabaran 222.384 218.567 Exchange rate differences
kerugian penurunan nilai pembiayaan adalah cukup impairment losses is adequate to cover possible losses
untuk menutupi kemungkinan kerugian yang mungkin that might arise from uncollectible financing.
timbul akibat tidak tertagihnya pembiayaan tersebut.
12. PENYERTAAN SAHAM 12. INVESTMENTS IN SHARES
Persentase 31
Tempat kepemilikan/ Desember/ 31 Desember /
kedudukan/ Percentage of December 31, December 31,
Domicile ownership 2021 2020
Pihak berelasi Related parties
(Catatan 41) (Note 41)
Penyertaan Modal
Sementara Temporary Investments In Equity
PT Al Ijarah PT Al Ijarah Indonesia
Indonesia Finance Jakarta 47,86% 401.616.000 401.616.000 Finance
Tersedia untuk dijual Available for sale
PT Syarikat Takaful PT Syarikat Takaful
Indonesia Jakarta 5,91% 6.095.237 6.095.237 Indonesia
Jumlah 407.711.237 407.711.237 Total
Cadangan kerugian penurunan nilai (60.242.400) -- Allowance for impairment losses
Bersih 347.468.837 407.711.237 Net
- 78 -
2021 Annual Report
12. PENYERTAAN SAHAM (Lanjutan) 12. INVESTMENTS IN SHARES (Continued)
Mutasi cadangan kerugian penurunan nilai Penyertaan The changes in allowance for impairment losses of
Saham adalah sebagai berikut: Investments In Shares are as follows:
2021 2020
Balance at the beginning of the
Saldo awal tahun -- -- year
Pembentukan (Pembalikan) Provision (Reversal)
selama tahun berjalan during the year
(Catatan 36) 60.242.400 -- (Note 36)
Saldo akhir tahun 60.242.400 -- Balance at the end of the year
Berdasarkan Akta Perjanjian Penyertaan Modal Based on the Deed of Temporary Equity Participation
Sementara No.47 tanggal 30 Desember 2019 Agreement No.47 dated December 30, 2019 of Notary
dihadapan Notaris Aulia Taufani, S.H., PT Al Ijarah Aulia Taufani, S.H., PT Al Ijarah Indonesia Finance
Indonesia Finance telah mengadakan Rapat Umum has held an Extraordinary General Meeting of
Pemegang Saham Luar Biasa (RUPS LB) yang Shareholders (RUPS LB) which resulted in a decision
menghasilkan keputusan bahwa berlaku efektif that an effective transfer of shares by creditors would
pengalihan saham oleh para kreditur yang akan be used as Temporary Equity Participation. Temporary
dijadikan sebagai Penyertaan Modal Sementara. investment in PT Al Ijarah Indonesia Finance since
Penyertaan saham sementara pada PT Al Ijarah December 31, 2019 with a total percentage of the
Indonesia Finance sejak 31 Desember 2019 dengan Company's share ownership in PT Al Ijarah Indonesia
total prosentase kepemilikan saham Perseroan pada Finance after a temporary investment is 47.86%.
PT Al Ijarah Indonesia Finance setelah dilakukan Temporary equity participation is carried out to
penyertaan sementara sebesar 47,86%. Penyertaam improve the financial performance of PT Al Ijarah
modal sementara dilakukan untuk memperbaiki kinerja Indonesia Finance.
keuangan dari PT Al Ijarah Indonesia Finance.
Berdasarkan Akta Perubahan Anggaran Dasar terakhir Based on the latest Amendment to the Articles of
No. 49 tanggal 30 Desember 2019 dihadapan Notaris Association No. 49 dated December 30, 2019 of
Aulia Taufani, S.H., bahwa penyertaan Bank atas Notary Aulia Taufani, S.H., the Bank's investment in
saham seri A yang semula senilai Rp35.000.000 Series A shares which was originally valued at
dengan persentase kepemilkan sebesar 33,33% Rp35,000,000 with an ownership percentage of
menjadi sebesar 3,88%. Penurunan nilai kepemilikan 33.33% becomes 3.88%. The decrease in the value
dikarenakan Perseroan harus memperkuat struktur of ownership is due to the Company having to
permodalan yang ditetapkan regulator dengan strengthen the capital structure set by the regulator,
demikian diperlukan penambahan modal yang thus it is necessary to increase capital which resulted
berdampak kepemilikan Bank di ALIF terdilusi. Setelah in diluted ownership of the Bank in Al Ijarah. After the
perubahan tersebut, Bank mencatat kepemilikan change, the Bank records its ownership using the cost
dengan metode cost/ Biaya dan telah mencadangkan method and has provided a full allowance due to a
keseluruhan dikarenakan terdapat penurunan nilai permanent decline in the value of the investment.
secara permanen atas investasi penyertaan tersebut.
kerugian penurunan nilai adalah cukup untuk impairment losses is adequate to cover possible losses
menutupi kemungkinan kerugian yang mungkin that might arise .
timbul.
- 79 -
13. TAGIHAN DAN LIABILITAS AKSEPTASI 13. ACCEPTANCES RECEIVABLE AND PAYABLE
a. Berdasarkan jenis dan mata uang: a. By type and currency
31 Desember/ December 31,

2021
Jumlah nosional
mata uang asing/
Notional amount in
foreign currencies Setara
(Dalam nilai dengan/
penuh/In full Equivalent to
amount) Rupiah
Rupiah Rupiah
Impor L/C dan Surat
Kredit Berdokumen Dalam Import L/C and Domestic Letters of
Negeri (SKBDN) 24.408.318 Credit
Spot dan Forward 7.728.606 Spot and Forward
32.136.924
Dolar Amerika Serikat US Dollar
Impor L/C dan Surat
Negeri (SKBDN) Credit
Dollar Amerika Serikat 6.687.237 95.309.845 United States Dollar
95.309.845
Cadangan kerugian penurunan nilai (64.353.735) Allowance for impairment losses
31 Desember / December 31,

2020
Jumlah nosional
mata uang asing/
Notional amount in
foreign currencies Setara
(Dalam nilai dengan/
amount) Rupiah
Rupiah Rupiah
Impor L/C dan Surat
Kredit Berdokumen Dalam Import L/C and Domestic
Negeri (SKBDN) 8.116.136 Letters of Credit
32.277.484
Impor L/C dan Surat
Negeri (SKBDN) Credit
Dollar Amerika Serikat 6.657.057 93.531.654 United States Dollar
93.531.654
- 80 -
2021 Annual Report
b. Berdasarkan sisa umur jatuh tempo: b. By remaining period to maturity:
2021 2020
 1 bulan 101.644.840 1.878.209  1 month
> 1 -  3 bulan 17.544.475 6.179.094 > 1 -  3 months
> 3 -  6 bulan 8.257.454 117.751.835 > 3 -  6 months
Jumlah 127.446.769 125.809.138 Total
Bersih 63.093.034 123.425.352 Net
c. Berdasarkan kolektibilitas: c. By collectibility:
2021 2020
Lancar 33.877.606 125.809.138 Current

Macet 93.569.163 -- Loss
Jumlah 127.446.769 125.809.138 Total
Bersih 63.093.034 123.425.352 Net
d. Perubahan cadangan kerugian penurunan nilai d. Changes in the allowance for impairment losses
adalah sebagai berikut: are as follows:
2021 2020
Selisih Kurs 888.967 -- Exchange rate differences
- 81 -
e. Jumlah liabilitas akseptasi adalah sebesar jumlah e. Acceptance payables represents the same
akseptasi kepada nasabah (sebelum dikurangi amount as acceptance receivables from
cadangan kerugian). customers (before allowance for impairment
losses).
31 Desember/ December 31, 2021

Jumlah nosional
mata uang asing/
Notional amount in
foreign currencies
(Dalam nilai Setara dengan/
amount) Rupiah
Rupiah Rupiah
Impor L/C dan Surat Kredit Import L/C and Domestic
Berdokumen Dalam Negeri Letters of
(SKBDN) 19.700.486 Credit
23.529.740
(SKBDN) Credit
Dollar Amerika Serikat 122.132 1.740.683 United Stated Dollar
1.740.683

Jumlah nosional
mata uang asing/
Notional amount in
foreign currencies
(Dalam nilai Setara dengan/
amount) Rupiah
Rupiah Rupiah
(SKBDN) 2.500.911 Credit
23.657.858
(SKBDN) Credit
Dollar Amerika Serikat 91.952 1.291.925 United Stated Dollar
1.291.925
Bank melakukan penilaian atas penurunan nilai tagihan The Bank assessed acceptance receivable individually for
akseptasi secara individual dengan adanya bukti objektif impairment based on whether an objective evidence of
penurunan nilai. impairment exists.
Manajemen berpendapat bahwa jumlah cadangan Management believes that allowance for impairment
kerugian penurunan nilai tagihan akseptasi pada tanggal losses of acceptance receivables as of December 31,
31 Desember 2021 dan 2020 telah memadai. 2021 and 2020 is adequate.
- 82 -
2021 Annual Report
14. ASET YANG DIPEROLEH UNTUK IJARAH 14. ASSETS ACQUIRED FOR IJARAH
Akun ini merupakan objek sewa dari transaksi ijarah This account represents lease objects of an ijarah
muntahiyah bittamlik dengan opsi perpindahan hak muntahiyah bittamlik transaction which includes an
milik objek sewa dengan hibah. option to transfer the title of ownership over the
assets through a grant.
2021 2020
Multijasa 885.858 181.200.112 Multiservices

Mesin pembangkit listrik -- 10.008.361 Power plant
Lainnya 1.754.239 -- Others
Jumlah 2.640.097 191.208.473 Total
Akumulasi penyusutan (2.372.439) (9.587.398) Accumulated depreciation
Bersih 267.658 181.621.075 Net
Penyusutan yang dibebankan pada laporan laba Depreciation charged to the statements of profit or
rugi dan penghasilan komprehensif lain adalah loss and other comprehensive income is amounting
sebesar Rp367.513 dan Rp2.263.487 untuk posisi 31 to Rp367,513 and Rp2,263,487 as of December 31,
Desember 2021 dan 2020. 2021 and 2020, respectively.
Berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) Based on the Financial Services Authority
No.16/POJK.03/2014 tanggal 18 November 2014, Regulation (POJK) No.16/POJK.03/2014 dated
kewajiban membentuk cadangan umum penyisihan November 18, 2014, the obligation to provide
aset produktif tidak berlaku bagi aset produktif dalam allowance for impairment losses on earning assets
bentuk pembiayaan ijarah atau pembiayaan ijarah do not apply to earning assets under ijarah or ijarah
muntahiyah bittamlik dan pembentukan cadangan muntahiyah bittamlik financing and the provision of
khusus ijarah. ijarah special allowance.
Perubahan akumulasi penyusutan aset yang diperoleh The changes in accumulated depreciation of assets
untuk ijarah adalah sebagai berikut: acquired for ijarah are as follows:
2021 2020
Balance at the beginning of

Saldo awal tahun 9.587.398 18.344.581 the year
Penyusutan tahun berjalan 367.513 2.263.487 Depreciation during the year
Pelunasan (7.582.472) (11.020.670) Repayment
- 83 -
15. ASET TETAP 15. PREMISES AND EQUIPMENT
Aset tetap terdiri dari: Premises and equipment consist of:

31 Desember 2021 / December 31, 2021
Saldo awal/ Surplus revaluasi/
Beginning Penambahan/ Revaluation Pengurangan/ Reklasifikasi/ Saldo akhir/
balance Addition Surplus Deduction Reclassification Ending balance
Nilai Wajar: Fair Value :
Pemilikan langsung Direct acquisitions
Tanah 1.789.656.100 -- -- -- (15.144.715) 1.774.511.385 Land rights
Bangunan 1.258.218.826 1.187.957 -- (560.515) 41.307.613 1.300.153.880 Buildings
Kendaraan bermotor 60.119.967 1.830.050 -- (15.422.614) 2.927.287 49.454.689 Vehicles
Inventaris kantor 416.823.488 1.201.994 -- (3.517.565) 442.228 414.950.145 Office equipments
Komputer 738.496.010 10.162.060 -- (5.629.126) (1.700) 743.027.245 Computers
Perbaikan sarana dan prasarana 256.008.100 -- (1.238.918) (42.046.035) 212.723.146 Leasehold improvement
4.519.322.491 14.382.061 -- (26.368.739) (12.515.323) 4.494.820.491
Aset sewa pembiayaan
kendaraan bermotor 23.027.278 -- -- (2.927.287) -- 20.099.991 Vehicles under finance lease
4.542.349.769 14.382.061 -- (29.296.025) (12.515.323) 4.514.920.482
Akumulasi Penyusutan Accumulated Depreciation

Bangunan 237.682.122 64.002.174 -- (560.515) 35.465.966 336.589.747 Buildings
Kendaraan bermotor 47.528.553 5.080.851 -- (13.236.555) 2.657.323 42.030.172 Vehicles
Inventaris kantor 376.235.749 19.194.175 -- (3.466.132) 442.228 392.406.020 Office equipments
Komputer 640.062.800 47.817.832 -- (5.468.540) (1.700) 682.410.392 Computers
Perbaikan sarana dan prasarana 233.609.731 1.626.886 -- (1.238.918) (36.204.389) 197.793.310 Leasehold improvement
1.535.118.955 137.721.918 -- (23.970.659) 2.359.428 1.651.229.642
kendaraan bermotor 21.951.869 560.124 -- (2.669.968) -- 19.842.025 Vehicles under finance lease
1.557.070.824 138.282.042 -- (26.640.627) 2.359.428 1.671.071.667
Nilai buku 2.985.278.945 2.843.848.815 Book value

Saldo awal/ Surplus revaluasi/
Beginning Penambahan/ Revaluation Pengurangan/ Reklasifikasi/ Saldo akhir/
balance Addition Surplus Deduction Reclassification Ending balance
Nilai Wajar: Fair Value :
Pemilikan langsung Direct acquisitions
Tanah 1.787.691.655 -- -- -- 1.964.445 1.789.656.100 Land rights
Bangunan 1.314.335.991 723.663 -- (22.374.007) (34.466.821) 1.258.218.826 Buildings
Kendaraan bermotor 66.998.204 2.649.700 -- (8.956.067) (571.870) 60.119.967 Vehicles
Inventaris kantor 418.170.464 4.138.380 -- (24.639.522) 19.154.166 416.823.488 Office equipments
Komputer 732.722.081 18.703.252 -- -- (12.929.323) 738.496.010 Computers
Perbaikan sarana dan prasarana 259.482.689 -- -- (3.474.589) -- 256.008.100 Leasehold improvement
4.579.401.084 26.214.995 -- (59.444.185) (26.849.402) 4.519.322.491
kendaraan bermotor 32.612.817 -- -- (9.585.539) -- 23.027.278 Vehicles under finance lease
4.612.013.901 26.214.995 -- (69.029.723) (26.849.402) 4.542.349.769
Akumulasi Penyusutan Accumulated Depreciation

Bangunan 223.999.853 26.520.638 -- (166.922) (12.671.447) 237.682.122 Buildings
Kendaraan bermotor 48.073.457 5.974.454 -- (6.519.358) -- 47.528.553 Vehicles
Inventaris kantor 360.243.718 39.315.276 -- (23.323.245) -- 376.235.749 Office equipments
Komputer 584.976.064 55.086.736 -- -- -- 640.062.800 Computers
Perbaikan sarana dan prasarana 233.929.516 2.076.956 -- (2.396.741) -- 233.609.731 Leasehold improvement
1.451.222.608 128.974.060 -- (32.406.266) (12.671.447) 1.535.118.955
kendaraan bermotor 28.920.534 1.277.543 -- (8.246.208) -- 21.951.869 Vehicles under finance lease
1.480.143.142 130.251.603 -- (40.652.474) (12.671.447) 1.557.070.824
Nilai buku 3.131.870.759 2.985.278.945 Book value
Aset tetap terdiri dari: Premises and equipment consist of:
Pada tanggal-tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020, the sales of
2020 penjualan aset tetap Bank adalah sebagai premises and equipment are as follows:
berikut:
2021 2020
Harga jual 1.440.915 22.843.112 Selling price

Jumlah tercatat - neto (501.262) (23.623.895) Net carrying value
Laba (rugi) penjualan aset Gain (loss) on sales of premises
tetap (Catatan 38 dan 39) 939.653 (780.783) and equipment (Note 38 and 39)
- 84 -
2021 Annual Report
15. ASET TETAP (Lanjutan) 15. PREMISES AND EQUIPMENT (Continued)
Penyusutan yang dibebankan pada laporan laba rugi Depreciation charged to the statements of profit or
dan penghasilan komprehensif lain adalah loss and other comprehensive income is amounting to
masing-masing sebesar Rp138.282.042 dan Rp138,282,042 and Rp130,251,603 for the years
Rp130.251.603 untuk tahun-tahun yang berakhir ended December 31, 2021 and 2020, respectively
pada tanggal 31 Desember 2021 dan 2020 (Catatan (Note 35).
35).
Pada tanggal 31 Desember 2021 dan 2020, aset tetap As of December 31, 2021 and 2020, premises and
kecuali tanah telah diasuransikan kepada Asuransi equipment except for land were insured by Zurich
Zurich, Asuransi Tri Pakarta Syariah, dan PT Syarikat Insurance, Tri Pakarta Syariah Insurance, and
Takaful Indonesia (pihak berelasi) terhadap risiko PT Syarikat Takaful Indonesia (related party) against
kebakaran dan risiko lainnya dengan jumlah losses from fire and other risks with coverage of
pertanggungan masing-masing sebesar Rp1,232,032,204 and Rp1,336,219,620, respectively.
Rp1.232.032.204 dan Rp1.336.219.620.
Manajemen berpendapat bahwa nilai pertanggungan Management believes that the insurance coverage is
tersebut adalah cukup untuk menutupi kemungkinan adequate to cover possible losses of the premises
kerugian atas aset tetap yang dipertanggungkan. and equipment insured.
Tidak terdapat aset tetap milik Bank yang dijadikan There are no premises and equipment owned by
sebagai jaminan pada tanggal 31 Desember 2021 dan Bank that are pledged as collateral as of
2020. December 31, 2021 and 2020.
Pada 31 Desember 2021 dan 2020 tidak ada As of December 31, 2021 and 2020, there is no
komitmen kontraktual dalam perolehan aset tetap dan contractual commitment in acquisition of premises
aset tetap yang mengalami penurunan nilai. Selain and equipment and impaired premises and
itu, tidak terdapat aset tetap dalam pembangunan equipment. Furthermore, no assets are under
serta tidak terdapat dalam aset yang tidak dipakai construction and no assets are temporarily unused or
untuk sementara. idle.
16. ASET LAIN-LAIN - NETO 16. OTHER ASSETS – NET
Aset lain-lain terdiri dari: This account consists of:
2021 2020
Pendapatan yang masih

akan diterima 2.052.304.016 1.375.273.524 Accrued income
Aset terbengkalai - bersih 488.274.833 488.274.833 Abandoned assets - net
Biaya dibayar dimuka 352.728.708 382.298.361 Prepaid expenses
Uang muka operasi 266.147.968 214.808.440 Advances
Uang muka pajak 63.878.479 54.533.794 Prepaid Tax
Tagihan ATM 76.682.739 123.779.489 ATM receivables
Agunan yang diambil alih -bersih 29.821.330 29.821.330 Foreclosed assets - net
Kelebihan pembayaran pajak Estimated claims for tax
(Catatan 23c) 12.069.027 12.069.027 refund (Note 23c)
Persediaan alat tulis kantor 14.175.383 12.112.135 Office supplies
Setoran jaminan 4.580.916 5.388.420 Security deposits
Tagihan kepada pihak ketiga - Receivables from third parties -
bersih 15.139.664 66.747.149 net
Tagihan Usance Payable At Usance Payable At Usance
Usance (UPAU) 140.000 140.000 (UPAU) receivable
Aset hak guna - bersih 5.799.427 731.603 Right of use assets - net
Lainnya 46.790.709 76.208.509 Others
Jumlah 3.428.533.199 2.842.186.614 Total
- 85 -
16. ASET LAIN-LAIN - NETO (Lanjutan) 16. OTHER ASSETS – NET (Continued)
Uang muka operasi merupakan uang muka yang Advance of operational funds represents term of
digunakan untuk renovasi gedung, operasional Bank, payment for building renovation, operational activity
dan program aplikasi yang belum terselesaikan of Bank, and application program in progress as of
sampai 31 Desember 2021 dan 2020. December 31, 2021 and 2020.
Tagihan ATM merupakan tagihan kepada bank lain ATM receivables represent receivables from other
sehubungan dengan transaksi antar bank anggota banks related to inter-bank transactions using ATM
ATM Bersama berupa transfer dan penarikan tunai. Bersama, such as transfer and withdrawal.
Tagihan Usance Payable at Usance (UPAU) Usance Payable at Usance (UPAU) receivable
merupakan tagihan kepada debitur atas transaksi represents a transaction with third parties where
dengan pihak ketiga, dimana Bank membayarkan Bank pays in advance the amount of L/C to the third
terlebih dahulu L/C kepada pihak ketiga setelah parties after the invoice date, and the applicant will
tanggal invoice date dan saat jatuh tempo debitur make the payment settlement at the end of the
baru melunasinya kepada Bank. Atas transaksi ini usance term. Bank will receive fees from this
Bank memperoleh fee. transaction.
Manajemen Bank telah melakukan reklasifikasi aset The Bank's management has made reclassification of
dengan melakukan verifikasi dari masing-masing assets by verifying each of the foreclosed assets
AYDA berdasarkan manfaat ekonomi masa depan based on the future economic benefits of an assets
suatu aset tersebut berdasarkan penggunannya. based on its use.
Mutasi agunan yang diambil alih adalah sebagai The changes in foreclosed assets are as follows:
berikut:
2021 2020
Penyelesaian: Settlement:
Recovery -- (67.919.704) Recovery
Reklasifikasi: Reclassification:
Aset Tetap -- 26.849.404 Premises and Equipment
Cadangan kerugian penurunan nilai -- -- Allowance for impairment losses
Bersih 29.821.330 29.821.330 Net
Mutasi cadangan kerugian penurunan nilai aset The changes in allowance for impairment losses of
terbengkalai adalah sebagai berikut: abandoned assets are as follows:
2021 2020
Saldo awal tahun 86.166.147 -- Balance at the beginning of the year

Pembentukan (Pembalikan) Provision (Reversal)
selama tahun berjalan (Cat. 36) -- 86.166.147 during the year (Note 36)
Aset hak guna per 31 Desember 2021 dan 2020 Right of use assets as of December 31, 2021 and
adalah sebagai berikut: 2020, are as follows:
31 Desember 2021/ December 31, 2021

Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Additions Disposals Ending balance
Harga Perolehan At cost

Bangunan 5.852.818 6.186.056 -- 12.038.874 Buildings
5.852.818 6.186.056 -- 12.038.874
Akumulasi Penyusutan Accumulated depreciation
Bangunan 5.121.215 1.118.232 -- 6.239.447 Buildings
5.121.215 1.118.232 -- 6.239.447
Nilai buku 731.603 5.799.427 Book Value
- 86 -
2021 Annual Report
16. ASET LAIN-LAIN - NETO (Lanjutan) 16. OTHER ASSETS - NET (Continued)
31 Desember 2020/ December 31, 2020

Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Additions Disposals Ending balance
Harga Perolehan At cost

Bangunan -- 5.852.818 -- 5.852.818 Buildings
-- 5.852.818 -- 5.852.818
Akumulasi Penyusutan Accumulated depreciation
Bangunan -- 5.121.215 -- 5.121.215 Buildings
-- 5.121.215 -- 5.121.215
Nilai buku -- 731.603 Book Value
17. LIABILITAS SEGERA 17. LIABILITIES DUE IMMEDIATELY
Liabilitas segera kepada pihak ketiga terdiri dari: Liabilities due immediately to third parties consist of:
2021 2020
Titipan ATM Bersama 43.407.158 72.379.409 ATM Bersama funds

Titipan dana nasabah 30.881.984 37.749.336 Customers funds
Titipan ZIS 92.532 2.294.045 ZIS funds
Titipan lainnya 1.008.725.640 7.878.650 Other funds
Jumlah 1.083.107.314 120.301.440 Total
Titipan dana nasabah merupakan titipan atas Customer funds represent funds generated through
transaksi pengiriman uang melalui lembaga keuangan remittances from other financial institutions.
bank lain.
Titipan ATM Bersama merupakan liabilitas yang timbul The ATM Bersama funds represent liabilities arising
karena nasabah Bank melakukan transaksi ATM from the Bank’s customers using ATM Prima and ATM
dengan menggunakan jaringan ATM Prima dan Bersama network.
jaringan ATM Bersama.
Sebagian besar saldo pada titipan lainnya merupakan The balance in other deposits mostly consist of funds
titipan dana pelaksanaan Penambahan Modal melalui deposited for the implementation of Capital Increase
Hak Memesan Efek Terlebih Dahulu (HMETD) dari through Pre-emptive Rights (HMETD) from
pemegang saham yang akan melaksanakan shareholders who will exercise their Pre-emptive Rights.
HMETD-nya.
18. BAGI HASIL YANG BELUM DIBAGIKAN 18. UNDISTRIBUTED REVENUE SHARING
Akun ini merupakan bagi hasil yang belum dibagikan This account represents undistributed share of
oleh Bank kepada shahibul maal atas keuntungan customers (shahibul maal) on income generated by
hasil usaha Bank yang telah disisihkan dari the Bank from managing customers funds.
pengelolaan dana nasabah.
2021 2020
Deposito mudharabah Mudharabah time
berjangka 25.994.653 40.539.464 deposits
Pinjaman yang diterima 6.237.821 6.777.925 Fund borrowings
Tabungan mudharabah 659.368 635.631 Mudharabah saving deposits
Lain-lain 6.819.703 26.950.381 Others
Jumlah 39.711.545 74.903.401 Total
- 87 -
19. SIMPANAN 19. DEPOSITS
2021 2020
Rupiah 3.529.403.254 2.119.761.308 Rupiah
(2021: USD 38.711.140 dan (2021 : USD38,711,140 and
2020: USD29.321.294) 551.578.853 411.857.474 2020: USD29,321,294)
Dolar Singapura Singapore Dollar
(2021: SIN 44.559 dan (2021 : SIN44,559 and
2020: SIN17.896) 470.302 189.816 2020: SIN17,896)
Euro Euro
(2021: EUR 20.851 dan (2021 : EUR20,851 and
2020: EUR63.419) 335.967 1.092.990 2020: EUR63,419)
4.081.788.376 2.532.901.588
Rupiah 13.879.173 32.065.998 Rupiah
(2021: USD 9.727 dan (2021 : USD9,727 and
2020: USD6.817) 138.638 95.780 2020: USD6,817)
14.017.811 32.161.778
4.095.806.187 2.565.063.366
Tabungan wadiah Wadiah savings
Rupiah 5.293.144.313 4.603.046.427 Rupiah
(2021: USD 20.077.536 dan (2021 : USD20,077,536 and
2020: USD13.318.299) 286.155.096 187.122.107 2020 : USD13,318,299)
Dolar Singapura Singapore Dollar
(2021: SIN 125.328 dan (2021 : SIN125,328 and
2020: SIN375.449) 1.322.805 3.982.080 2020 SIN375,449)
5.580.622.214 4.794.150.614
Jumlah 9.676.428.401 7.359.213.980 Total
Giro wadiah merupakan simpanan wadiah yad- Wadiah demand deposits represent yad-dhamanah
dhamanah dimana nasabah dapat memperoleh wadiah demand deposits, in which costumers are
bonus berdasarkan kebijakan Bank. entitled to receive bonuses in accordance with the
Bank’s policy.
Bonus per tahun untuk simpanan wadiah rupiah The annual bonus rates range from 0.00% to 0.02%
adalah berkisar antara 0,00% sampai 0,02% untuk in 2021, and 0.00% to 0.28% in 2020 for Rupiah
tahun 2021 dan antara 0,00% sampai dengan wadiah demand deposits. Wadiah demand deposits
0,28% untuk tahun 2020. Bank tidak memberikan in foreign currency are not entitled to bonus.
bonus untuk simpanan wadiah dalam mata uang
asing.
Tabungan wadiah merupakan tabungan Haji Arafah Wadiah savings represent Arafah Hajj savings in
dalam mata uang Rupiah dan tidak mendapatkan Rupiah and are not entitled to bonus.
bonus.
Tidak terdapat Giro dan Tabungan wadiah yang No Wadiah demand deposits or Wadiah savings are
diblokir yang dijadikan sebagai agunan pembiayaan blocked and pledged as collateral for loans extended
yang diberikan pada 31 Desember 2021 dan 2020. as of December 31, 2021 and 2020.
- 88 -
2021 Annual Report
20. SIMPANAN DARI BANK LAIN 20. DEPOSITS FROM OTHER BANKS
2021 2020
Giro wadiah Wadiah Demand Deposits
Rupiah 77.905.469 85.363.419 Rupiah
Dolar Amerika Serikat 126.067 124.276 United States Dollar
Tabungan wadiah Wadiah savings
Rupiah 814.672 1.275.487 Rupiah
Jumlah 78.846.208 86.763.182 Total
Tidak terdapat Giro wadiah yang diblokir yang No Wadiah demand deposits are blocked and
dijadikan sebagai agunan pembiayaan yang diberikan pledged as collateral for loans extended as of
pada 31 Desember 2021 dan 2020. December 31, 2021 and 2020.
21. EFEK - EFEK YANG DIJUAL DENGAN JANJI 21. SECURITIES SOLD UNDER REPURCHASE
DIBELI KEMBALI AGREEMENT
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase agreement as of
per 31 Desember 2021 adalah Nihil sedangkan untuk December 31, 2021 is Nil, meanwhile as of December
31 Desember 2020 adalah sebagai berikut: 31, 2020 is are follows:
Tanggal Jatuh
Nama Pihak Penjual / Jenis Efek / Type Nilai Nominal / Tarif / Tanggal Mulai / Tempo / Maturity Nilai Jual /
Counterparty of Security Nominal Amount Rate (%) Value Date Date Selling Price
Bank Indonesia PBS 002 40.900.000 4,580 01/07/2020 04/01/2021 39.218.765

Bank Indonesia IFR 006 50.000.000 4,600 09/07/2020 07/01/2021 56.405.500
Bank Indonesia IFR 007 19.000.000 4,420 ‘03/08/2020 03/05/2021 20.803.708
Jumlah / Total 1.337.600.000 1.302.038.601
Sampai dengan tanggal laporan keuangan diterbitkan, Until the date of the issuance of the financial
surat-surat berharga tersebut telah dibeli kembali. statements, the securities have been repurchased.
Berdasarkan ketentuan Bank Indonesia yang berlaku, Under the applicable Bank Indonesia regulations, all
semua surat-surat berharga pada 31 Desember 2020 securities as of December 31, 2020 are classified as
diklasifikasikan lancar. current.
- 89 -
22. PINJAMAN YANG DITERIMA 22. FUND BORROWINGS
2021 2020
Rupiah Rupiah
PT Sarana Multigriya PT Sarana Multigriya Finansial
Finansial (Persero) 100.000.000 100.000.000 (Persero)
Mata Uang Asing -- -- Foreign Currencies
Jumlah 100.000.000 100.000.000 Total
Berdasarkan akad pembiayaan mudharabah Based on the Mudharabah Muqayadah financing

muqayadah antara Bank dengan PT Sarana Multigriya agreement between Bank and PT Sarana Multigriya
Finansial (Persero) No.088/AKAD/SMF-BMI/IV/2021 Finansial (Persero) No.088/AKAD/SMF-BMI/IV/2021
tanggal 27 April 2021, Bank telah menerima fasilitas dated April 27, 2021, Bank obtained additional
pembiayaan dari PT Sarana Multigriya Finansial financing facility from PT Sarana Multigriya Finansial
(Persero) sebesar Rp100.000.000 berjangka waktu 1 (Persero) amounting to Rp100,000,000, with a period
(satu) tahun dan porsi nisbah yang disepakati adalah of 1 (one) year and the agreed nisbah portion for
masing-masing sebesar 54,47% untuk Bank dan PT Bank and PT Sarana Multigriya Finansial (Persero) is
Sarana Multigriya Finansial (Persero) sebesar 45,53%. 54.47%. and 45.53%, respectively.
Berdasarkan akad pembiayaan mudharabah Based on the Mudharabah Muqayadah financing

muqayadah antara Bank dengan PT Sarana Multigriya agreement between Bank and PT Sarana Multigriya
Finansial (Persero) No.040/AKAD/SMF-BMI/II/2020 Finansial (Persero) No.040/AKAD/SMF-BMI/II/2020
tanggal 28 Februari 2020, Bank telah menerima dated February 28, 2020, Bank obtained additional
fasilitas pembiayaan dari PT Sarana Multigriya financing facility from PT Sarana Multigriya Finansial
Finansial (Persero) sebesar Rp100.000.000 berjangka (Persero) amounting to Rp100,000,000, with a period
waktu 1 (satu) tahun dan porsi nisbah yang disepakati of 1 (one) year and the agreed nisbah portion for
adalah masing-masing sebesar 40,29% untuk Bank Bank and PT Sarana Multigriya Finansial (Persero) is
dan PT Sarana Multigriya Finansial (Persero) sebesar 40.29% and 59.71%, respectively. The Bank paid off
59,71%. Bank telah melakukan pelunasan pinjaman this borrowing on March 3, 2021.
tersebut pada tanggal 3 Maret 2021.
Seluruh fasilitas pinjaman yang diterima Bank dari All fund borrowings received from PT Sarana
PT Sarana Multigriya Finansial (Persero) dijamin Multigriya Finansial (Persero) are guaranteed with
dengan fidusia tagihan. Bank telah memenuhi seluruh fiduciary collateral. The Bank has complied with all
persyaratan yang telah disepakati dalam akad agreed covenants stipulated in the above stated
perjanjian pembiayaan mudharabah tersebut diatas. mudharabah financing agreements
23. UTANG PAJAK 23. TAX PAYABLES
a. Uang Muka Pajak a. Tax Advance
2021 2020
Pajak penghasilan: Income tax:

Pasal 4 (2) 11.923.150 20.833.221 Article 4 (2)
Pasal 21 5.245.069 5.112.501 Article 21
Pasal 23 141.676 195.588 Article 23
Pasal 26 90.752 89.483 Article 26
Pasal 29 2.369.659 42.417 Article 29
Pajak Pertambahan Nilai 2.278.189 1.423.073 Value Added Tax
Jumlah 22.048.495 27.696.283 Total
- 90 -
2021 Annual Report
23. UTANG PAJAK (Lanjutan) 23. TAX PAYABLES (Continued)
b. Beban pajak penghasilan badan: b. Corporate income tax expense:
2021 2020
(Beban) manfaat pajak: Tax (expense) benefit:

Kini (5.109.109) (3.373.257) Current
Tangguhan 1.522.420 (1.625.039) Deferred
Jumlah (3.586.689) (4.998.296) Total
Rekonsiliasi antara laba sebelum pajak penghasilan Reconciliation between income before income tax
seperti yang tercantum dalam laporan laba rugi as stated in the statement of profit or loss and
dan penghasilan komprehensif lain dan other comprehensive income and taxable income
penghasilan kena pajak adalah sebagai berikut: is as follows:
2021 2020
Laba sebelum pajak Income before tax per statement

menurut laporan laba rugi of profit or loss and
dan penghasilan other comprehensive
komprehensif lain 12.513.740 15.018.035 income
Perbedaan temporer Temporary differences

Imbalan pasca kerja Provision for post employment
karyawan 2.302.953 (3.012.351) benefit
Penyusutan aset Depreciation of premises and
tetap (1.946.499) (5.513.554) equipment
Beban Pesangon 2.214.622 5.177.582 Severance payment
Bonus 3.960.049 170.862 Bonuses
Laba (rugi) yang belum Unrealized gain (loss)
direalisasi atas efek yang on trading -
diperdagangkan 388.965 (4.209.079) Securities
Jumlah perbedaan
temporer 6.920.090 (7.386.540) Total temporary differences
Perbedaan permanen Permanent differences

Kenikmatan karyawan dan Employees and Directors
Direksi 340.864 387.525 benefits
Hadiah dan sumbangan 137.571 92.593 Rewards and donations
Pemeliharaan dan perbaikan 223.315 293.494 Maintenance and repairs
Lain-lain 3.087.642 6.927.882 Others
Jumlah perbedaan Total permanent
permanen 3.789.392 7.701.494 differences
Penghasilan fiskal
kena pajak 23.223.221 15.332.987 Taxable income
Beban pajak Corporate Income tax expense -
penghasilan-kini 5.109.109 3.373.257 current
Dikurangi pembayaran Less prepaid income
pajak dimuka Pajak tax for
Penghasilan Pasal 25 (2.739.450) (3.330.840) Income Tax Article 25
Utang (Kelebihan)
Pajak Kini 2.369.659 42.417 Current Tax Payables (Prepaid)
- 91 -
b. Beban pajak penghasilan badan: (lanjutan) b. Corporate income tax expense: (continued)
Pada tanggal 31 Maret 2020, Pemerintah On March 31, 2020, the Government issued
menerbitkan Peraturan Pemerintah Pengganti Government Regulation in Lieu of Law (Perpu) of
Undang-Undang (Perpu) Republik Indonesia No. 1 the Republic of Indonesia No. 1 of 2020 which has
Tahun 2020 yang telah menjadi Undang-Undang become Law (UU) No. 2 of 2020, and stipulated
(UU) No. 2 Tahun 2020, serta menetapkan Government Regulation (PP) No. 30 of 2020
Peraturan Pemerintah (PP) No. 30 Tahun 2020 concerning Reduction of Income Tax Rate for
tentang Penurunan Tarif Pajak Penghasilan bagi Domestic Public Companies Taxpayers and
Wajib Pajak Badan Dalam Negeri yang Berbentuk effective June 19, 2020. The regulation has
Perseroan Terbuka dan berlaku sejak stipulated the reduction in the income tax rates for
tanggal 19 Juni 2020. Aturan tersebut menetapkan domestic corporate taxpayers and business
penurunan tarif pajak penghasilan wajib pajak establishments from 25% to 22% for Fiscal Year
badan dalam negeri dan bentuk usaha tetap dari 2020 and 2021 and a further reduction of the tax
semula 25% menjadi 22% untuk tahun pajak 2020 rate by 3% for domestic taxpayers who meet
dan 2021, serta pengurangan lebih lanjut tarif certain requirements.
pajak sebesar 3% untuk wajib pajak dalam negeri
yang memenuhi persyaratan tertentu.
Perhitungan pajak penghasilan untuk tahun yang The income tax calculation for the years ended
berakhir pada tanggal 31 Desember 2021 dan December 31, 2021 and 2020 has been calculated
2020 telah dihitung menggunakan tarif pajak 22% using 22% tax rate, and shall be the basis in filling
serta akan menjadi dasar dalam pengisian Surat the Annual Corporate Income Tax Return.
Pemberitahuan Tahunan (SPT) Pajak Penghasilan
Badan.
c. Kelebihan pembayaran pajak c. Corporate estimated claim for tax refund
2021 2020
Tahun 2018 12.069.027 12.069.027 Year 2018

Jumlah (Catatan 16) 12.069.027 12.069.027 Total (Note 16)
Atas kelebihan pembayaran pajak tahun 2018 For the Corporate Estimated Claim for tax refund
tersebut, Bank telah mengajukan restitusi pajak of 2018, the Bank has proposed tax restitution to
ke kantor pelayanan pajak. Namun atas the tax office. However, the restitution was
permohonan restitusi tersebut tidak diterima dan overruled and the tax office issued Tax
kantor pelayanan pajak menerbitkan SKPKB, Underpayment Assessment. In 2020 the Bank
selanjutnya di tahun 2020 Bank telah submitted an objection request against the Tax
mengajukan permohonan keberatan atas SKPKB Underpayment Assessment for the 2018 tax year.
tahun pajak 2018.
Atas permohonan keberatan tersebut telah terbit Upon the application of the objection, the
Surat Keputusan Keberatan following Decision Letters have been issued:
No.00576/KEB/WPJ.04/2021, No.00576/KEB/WPJ.04/2021,
No.00577/KEB/WPJ.04/2021, No.00577/KEB/WPJ.04/2021,
No.00578/KEB/WPJ.04/2021 dan No.00578/KEB/WPJ.04/2021 and
No.00579/KEB/WPJ.04/2021. No.00579/KEB/WPJ.04/2021.
Selanjutnya atas Surat Keputusan Keberatan yang Thereafter, with regard to the Decision Letter of
belum menerima permohonan Bank, telah Objection which overruled the Bank’s objection,
diajukan banding ke pengadilan pajak. Surat an appeal has been filed against the decision
permohonan banding telah diterima pengadilan letter to the tax court. The appeal letter was
pajak pada tanggal 8 Oktober 2021 dan telah received by the tax court on October 8, 2021 and
terdaftar dengan nomor sengketa pajak : has been registered with tax dispute numbers:
011018.25/2021/PP dan 011017.16/2021/PP, 011018.25/2021/PP and 011017.16/2021/PP. As
sampai dengan tanggal laporan keuangan 31 of December 31, 2021, it is still in court process.
Desember 2021 masih dalam proses pengadilan.
- 92 -
2021 Annual Report
d. Aset pajak tangguhan d. Deferred tax assets

Mutasi di
laporan laba Penyesuaian
rugi/ pajak
31 Desember / Changes in the tangguhan/ 31 Desember/
December 31, statements of Deferred tax December 31,
2020 income adjustment 2021
Aset (liabilitas) pajak tangguhan Deferred tax assets (liabilities)
Imbalan pasca kerja karyawan 35.737.180 506.650 (2.420.314) 33.823.516 Provisions for post employment benefit
Bonus Karyawan (4.317.858) 871.211 (3.446.647) Employee bonuses
Penyusutan aset tetap 24.660.981 (428.230) -- 24.232.751 Premises and equipment depreciations
Beban Pesangon 1.139.068 167.388 -- 1.306.456 Severance payment
Cadangan kerugian penurunan nilai selain Allowance for impairment losses other
pembiayaan 71.536.683 333.166 -- 71.869.849 than financing
Keuntungan (Kerugian) yang belum
direalisasi dari surat berharga yang Unrealized gain (loss) from securities
diukur pada nilai wajar melalui laporan measured at fair value through
keuangan (40.950) 72.235 -- 31.285 financial report
Keuntungan (kerugian) yang belum
direalisasi dari surat berharga yang Unrealized gain (loss) in value of
tersedia untuk dijual 5.892.304 -- (564.998) 5.327.306 available-for-sale marketable securities
Revaluation Surplus on Premises and
Surplus revaluasi aset tetap 10.798.402 -- -- 10.798.402 equipment
Penyesuaian setelah penyajian kembali (3.478.171) -- -- (3.478.171) Adjustment after restatement
Aset pajak tangguhan - bersih 141.927.639 1.522.420 (2.985.312) 140.464.747 Deferred tax assets - Net
Mutasi di
laporan laba Penyesuaian
rugi/ pajak
31 Desember / Changes in the tangguhan/ 31 Desember/
December 31, statements of Deferred tax December 31,
2019 income adjustment 2020
Aset (liabilitas) pajak tangguhan Deferred tax assets (liabilities)
Imbalan pasca kerja karyawan 43.630.457 (662.717) (7.230.560) 35.737.180 Provisions for post employment benefit
Bonus Karyawan (4.355.448) 37.590 -- (4.317.858) Employee bonuses
Penyusutan aset tetap 25.873.963 (1.212.982) -- 24.660.981 Premises and equipment depreciations
Beban Pesangon -- 1.139.068 -- 1.139.068 Severance payment
Cadangan kerugian penurunan nilai selain Allowance for impairment losses other
pembiayaan 71.575.682 (38.999) -- 71.536.683 than financing
Keuntungan (Kerugian) yang belum
direalisasi dari Unrealized gain (loss) from securities
surat berharga yang diukur pada nilai measured at fair value through
wajar melalui laporan keuangan (45.441) 4.491 -- (40.950) financial report
Keuntungan (kerugian) yang belum
direalisasi dari surat berharga yang Unrealized gain (loss) in value of
tersedia untuk dijual 3.132.501 -- 2.759.803 5.892.304 available-for-sale marketable securities
Revaluation Surplus on Premises and
Surplus revaluasi aset tetap 10.798.402 -- -- 10.798.402 equipment
Penyesuaian setelah penyajian kembali (7.499.373) (891.490) 4.912.692 (3.478.171) Adjustment after restatement
Aset pajak tangguhan - bersih 143.110.743 (1.625.039) 441.935 141.927.639 Deferred tax assets - Net
- 93 -
e. Rekonsiliasi antara beban pajak dan hasil e. Reconciliation between the total tax expense and
perkalian laba akuntansi dengan tarif pajak the amounts computed by applying the effective
efektif yang berlaku adalah sebagai berikut: tax rates to income before tax is as follows:
2021 2020
Laba sebelum pajak Bank

menurut laporan laba rugi Bank’s Income before tax
dan penghasilan per statement of profit or loss and
komperehensif lain 12.513.740 15.018.035 other comprehensive income
Beban pajak berdasarkan Tax expense at effective
tarif pajak yang berlaku 5.109.109 3.373.257 tax rates
Pengaruh pajak atas
penghasilan yang tidak Tax effect of non
dapat diperhitungkan deductible expenses -
menurut fiskal: net:
Kenikmatan karyawan Employees and Directors
dan Direksi (1.038.599) (285.168) benefits
Penyusutan 428.230 1.212.982 Depreciation
Imbalan pasca kerja (506.650) 662.717 Post Employment benefit
Lain-lain (405.401) 34.508 Others
Jumlah (1.522.420) 1.625.039 Total
Penyesuaian pajak Deferred tax
tangguhan -- -- adjustment
Jumlah beban (manfaat) Total tax expenses
pajak 3.586.689 4.998.296 (benefits)
24. ESTIMASI KERUGIAN KOMITMEN DAN 24. ESTIMATED LOSSES ON COMMITMENTS AND
KONTINJENSI CONTINGENCIES
a. Estimasi kerugian atas transaksi komitmen dan a. Estimated loss on commitments and contingencies
kontinjensi yang mempunyai risiko pembiayaan: based on its credit risk are as follows:
2021 2020
Rupiah Rupiah
Bank garansi 729.257 1.464.369 Bank guarantees

Bank garansi 86.393 46.571 Bank guarantees
Jumlah 815.650 1.510.940 Total
- 94 -
2021 Annual Report
24. ESTIMASI KERUGIAN KOMITMEN DAN 24. ESTIMATED LOSSES ON COMMITMENTS AND
KONTINJENSI (Lanjutan) CONTINGENCIES (Continued)
b. Komitmen dan kontinjensi berdasarkan b. Commitments and contingencies by collectibility

kolektibilitas sebagai berikut: are as follows:
2021 2020
Rupiah Rupiah
Bank garansi Bank guarantees
Lancar 70.984.409 99.817.972 Current
70.984.409 99.817.972
Penerbitan SKBDN dan Irrevocable domestic
L/C yang tidak dapat letters of
dibatalkan credit and L/C issued
Lancar 14.863.464 54.872.670 Current
85.847.873 154.690.642

Bank garansi Bank guarantees
Lancar 8.639.278 9.896.030 Current
Penerbitan SKBDN dan Irrevocable domestic

L/C yang tidak dapat letters of credit
dibatalkan and L/C issued
Lancar 2.703.920 4.955.523 Current
2.703.920 4.955.523
11.343.198 14.851.553
Jumlah 97.191.071 169.542.195 Total
penurunan nilai (815.650) (1.510.940) losses
Bersih 96.375.421 168.031.255 Net
c. Ikhtisar perubahan estimasi kerugian atas c. The changes in estimated losses on commitments
komitmen dan kontinjensi adalah sebagai berikut: and contingencies are as follows:
2021 2020
Penyisihan (Pembalikan) Provision (Reversal)
selama tahun berjalan during the year
(Catatan 36) (695.290) (157.440) (Note 36)
Selisih kurs penjabaran -- -- Exchange rate
Saldo akhir tahun 815.650 1.510.940 Balance at the end of the year
Manajemen berpendapat bahwa jumlah estimasi Management believes that estimated losses on
kerugian atas komitmen dan kontinjensi pada commitments and contingencies as of December 31,
tanggal-tanggal 31 Desember 2021 dan 2020 telah 2021 and 2020 is adequate.
memadai.
- 95 -
25. ESTIMASI LIABILITAS IMBALAN KERJA 25. ESTIMATED LIABILITIES FOR EMPLOYMENT
BENEFITS
Bank telah mencatat estimasi liabilitas dan beban The Bank has recorded estimated liabilities and
imbalan kerja (employment benefit) masing-masing expenses for employment benefits for the years
untuk tahun yang berakhir pada tanggal 31 Desember ended December 31, 2021 and 2020, in compliance
2021 dan 2020 menurut Undang-undang Tenaga with Labor Law No. 13/2003, based on actuarial
Kerja No. 13/2003 berdasarkan perhitungan aktuaria calculation performed by Actuaria Consultant Firm V
yang dilakukan oleh Kantor Konsultan Aktuaria V Agus Basuki and PT Lastika Dipa, an independent
Agus Basuki dan PT Lastika Dipa, aktuaris actuary, as stipulated in their reports dated
independen, berdasarkan laporannya masing-masing February 4, 2022 and February 26, 2021,
pada tanggal 4 Februari 2022 dan 26 Februari 2021. respectively.
Perhitungan aktuaris tersebut menggunakan metode The actuarial calculations used the “Projected Unit
“Projected Unit Credit” dengan asumsi-asumsi Credit” method with underlying assumptions as
2021 2020
Tingkat diskonto per tahun 7,02% 6,75% Annual discount rate

Tingkat kenaikan gaji per tahun 3,00% 3,00% Annual salary increase rate
Tabel mortalita TMI-IV 2019 TMI-III 2011 Mortality table
Usia pensiun 55 tahun/years old 55 tahun/years old Retirement age
Pengukuran kembali liabilitas imbalan kerja: Remeasurement of employee benefit liabilities:
2021 2020
Saldo pada awal tahun 89.103.213 80.035.463 Balance at the beginning of the year
(Keuntungan)/kerugian aktuaria 11.001.427 9.067.750 Actuarial (gain)/loss
Saldo pada akhir tahun 100.104.640 89.103.213 Balance at the end of the year
Pajak - pajak terkait (22.023.021) (19.602.707) Related Tax
Saldo pada akhir tahun - bersih 78.081.619 69.500.506 Balance at the end of the year-net
Beban yang diakui dalam laporan laba rugi dan Expenses recognized in the statement of profit or
penghasilan komprehensif lain adalah sebagai loss and other comprehensive income are as follows:
berikut:
2021 2020
Biaya jasa kini 16.296.216 21.404.398 Current service cost

Biaya bunga 8.765.873 8.669.181 Interest cost
Jumlah (Catatan 34) 25.062.089 30.073.579 Total (Note 34)
Mutasi atas nilai kini kewajiban imbalan kerja adalah Changes in present value of estimated liabilities for
sebagai berikut: post employment benefits are as follows:
2021 2020
Biaya bunga 8.765.873 8.669.181 Interest cost
Biaya jasa kini 16.296.216 21.404.398 Current service cost
Kerugian (keuntungan) aktuaria (11.001.427) (9.067.750) Actuarial Loss (Gain)
Pembayaran imbalan kerja tahun Current year benefit
berjalan (22.759.137) (33.085.930) payments
Saldo pada akhir tahun 153.743.250 162.441.725 Balance at the end of the year
- 96 -
2021 Annual Report
25. ESTIMASI LIABILITAS IMBALAN KERJA 25. ESTIMATED LIABILITIES FOR EMPLOYMENT
(Lanjutan) BENEFITS (Continued)
Rincian nilai kini liabilitas imbalan kerja selama tahun Details of present value of post employment benefit
berjalan dan 5 (lima) tahun sebelumnya: liabilities during the year and previous 5 (five) years:
31 Desember / December 31,

2021 2020 2019 2018 2017
Nilai kini kewajiban Present value of benefit
imbalan 153.743.250 162.441.725 174.521.826 200.647.816 146.786.397 liabilities
Imbalan Pasca Kerja Post-employment Benefit
Bank menyelenggarakan imbalan pasca kerja imbalan The Bank established defined post-employment
pasti untuk karyawan sesuai dengan Undang-undang benefits for its employees in accordance with Labor
Ketenagakerjaan No. 13/2003. Jumlah karyawan yang Law No. 13/2003. The number of employees entitled
berhak memperoleh manfaat tersebut sebanyak to the benefits is 2,644 and 2,914 employees as of
2.644 dan 2.914 karyawan masing-masing untuk 31 December 31, 2021 and 2020, respectively.
Desember 2021 dan 2020.
Program Pensiun Iuran Pasti Defined Contribution Pension Plan
Bank menyelenggarakan program pensiun iuran pasti The Bank established a defined contribution pension
untuk karyawan tetap yang memiliki masa kerja plan covering all of its permanent employees under
minimum 1 (satu) tahun sejak diangkat menjadi 55 (fifty five) years of age with working period of at
karyawan tetap dan berusia di bawah 55 (lima puluh least 1 (one) year. The pension fund is managed by
lima) tahun. Program pensiun ini dikelola oleh Dana Dana Pensiun Lembaga Keuangan (DPLK) Muamalat,
Pensiun Lembaga Keuangan (DPLK) Muamalat the deed of establishment of which was approved by
yang akta pendiriannya telah disahkan oleh the Minister of Finance of the Republic of Indonesia
Menteri Keuangan Republik Indonesia dengan in his decree No. S-438/LK/1997 dated December 19,
Surat Keputusannya No. S-438/LK/1997 tanggal 1997. DPLK Muamalat was established by the Bank.
19 Desember 1997. Pendiri DPLK Muamalat adalah
Bank.
Bank mengikutsertakan karyawannya dalam program The Bank has registered its employees into pension
DPLK dengan iuran DPLK 10% dari gaji pokok, fund with contribution of 10% of the basic salary, of
dimana Bank mensubsidi sebesar 5% dan sisanya which the Bank subsidies 5% whilst the remaining
sebesar 5% lagi menjadi beban karyawan. Iuran dana 5% is paid by the employee. The contribution to the
pensiun yang disetor untuk tahun yang berakhir pada pension fund for the years ended December 31, 2021
tanggal 31 Desember 2021 dan 2020 adalah and 2020 is amounting to Rp20,143,352 and
masing-masing sebesar Rp20.143.352 dan Rp29,124,771, respectively.
Rp29.124.771.
Pada tanggal 31 Desember 2021 dan 2020 jumlah As of December 31, 2021 and 2020 Bank’s
akumulasi dana pensiun yang merupakan kontribusi contribution to the total accumulated pension fund is
Bank masing-masing sebesar Rp15.870.095 dan amounting to Rp15,870,095 and Rp14,603,265,
Rp14.603.265. respectively.
Seluruh karyawan tetap Bank adalah peserta Program All permanent employees of the Bank are members
Pensiun Iuran Pasti. of the defined contribution pension plan.
- 97 -
26. LIABILITAS LAIN-LAIN 26. OTHER LIABILITIES
2021 2020
Titipan operasional pembiayaan 109.181.651 109.050.426 Operational financing funds

Biaya yang masih harus dibayar 107.413.741 69.135.894 Accrued expenses
Utang dividen 20.544.103 20.592.489 Dividends payable
Titipan unclaim 19.973.793 18.449.430 Unclaimed funds
Setoran jaminan 361.779 112.314 Security deposits
Pendapatan diterima dimuka 1.800 1.800 Unearned Income
Utang sewa pembiayaan -- 764.777 Obligation under capital lease
Lainnya 117.197.943 40.162.644 Others
Jumlah 374.674.810 258.269.774 Total
Titipan operasional pembiayaan merupakan Operational financing funds represents Bank’s

kewajiban bank kepada pihak lain yang harus segera obligation to third party to be immediately fulfilled as
dipenuhi sesuai dengan kesepakatan terkait dengan agreed which is related to financing process, such as
proses pembiayaan seperti biaya notaris, asuransi cost of notary, insurance of collateral, and other
atas jaminan, dan biaya-biaya yang dikeluarkan costs incurred due to confiscation of collateral.
dalam proses penyitaan agunan.
Biaya masih harus dibayar merupakan cadangan Accrued Expense represents reserve related to the
berkaitan dengan operasional bank seperti beban Bank’s operational activities, such as electricity,
listrik, air dan telepon, zakat perusahaan, jasa water, and telephone expenses, corporate zakat,
konsultan dan cadangan untuk personalia seperti consulting service, and reserve for personnel, such
cadangan bonus, kinerja, promosi, pelatihan dan as rewards, performance bonuses, promotion,
biaya seragam untuk karyawan. training and uniform for staff.
Utang dividen merupakan dividen kepada para Dividends payables represents dividends from
pemegang saham yang belum terealisasi pada previous years which have not been claimed by the
tanggal 31 Desember 2021 dan 2020. shareholders as of December 31, 2021 and 2020.
Titipan unclaim merupakan kewajiban Bank yang Unclaimed funds represents Bank’s obligation that
akan dibayarkan ke nasabah terkait dengan dengan will be paid to costumers related to financing
proses pembiayaan seperti biaya notaris, asuransi process, such as cost of notary, insurance for
atas jaminan, dan biaya lainnya yang telah berumur collateral, and other costs exceeding the period of 1
lebih dari 1 (satu) tahun (365 hari). (one) year (365 days).
Utang sewa pembiayaan merupakan pembayaran Obligation under capital lease represents rent
sewa untuk kendaraan operasional Bank kepada payment for Bank’s operational vehicles to related
pihak berelasi (PT Al Ijarah Indonesia Finance) party (PT Al Ijarah Indonesia Finance), amounting to
masing-masing sebesar nihil dan Rp764.777 pada nil and Rp764,777 as of December 31, 2021 and
tanggal 31 Desember 2021 dan 2020 (Catatan 2020, respectively (Note 41).
41).
- 98 -
2021 Annual Report
27. DANA SYIRKAH TEMPORER 27. TEMPORARY SYIRKAH FUNDS
(i) Giro Mudharabah (i) Mudharabah Demand Deposits
2021 2020
Giro mudharabah Mudharabah demand deposits

Bukan Bank 2.052.623.596 1.540.646.966 Non Bank
Bank 94.153.533 83.815.759 Bank
Jumlah 2.146.777.129 1.624.462.725 Total
Giro mudharabah merupakan simpanan dana Mudharabah demand deposits represents deposits
pihak lain yang mendapatkan imbalan bagi hasil from third parties which are entitled to receive a
dari pendapatan Bank atas penggunaan dana share in profit derived by the Bank from the use of
tersebut dengan nisbah yang ditetapkan dan such funds based on a predetermined nisbah.
disetujui sebelumnya.
Nisbah dan tingkat bagi hasil untuk giro The rates of nisbah and profit sharing for
mudharabah adalah sebagai berikut: mudharabah demand deposits are as follows:
2021 2020
Tingkat Bagi Hasil/ Tingkat Bagi Hasil/
Nisbah Profit Sharing Rate Nisbah Profit Sharing Rate
Giro mudharabah 32,00% 0,70% 32,00% 0,69% Mudharabah demand deposits
(ii) Tabungan Mudharabah (ii) Mudharabah Saving Deposits
a. Berdasarkan jenis produk: a. By type:
2021 2020
Bukan Bank Non Bank

Tabungan Prima 5.577.622.405 4.720.780.085 Prima savings
Tabungan Ummat 4.269.304.869 4.400.574.972 Ummat savings
Tabungan Shar-E 268.339.588 266.415.941 Shar-E savings
Tabungan Wisata 237.092.050 256.305.503 Wisata savings
Tabungan Arafah 54.898.082 57.610.002 Arafah savings
Tabungan Ummat Junior 45.339.649 46.771.997 Ummat Junior savings
10.452.596.643 9.748.458.500
Bank Bank
Tabungan Ummat 585.513.657 486.115.850 Ummat savings
Jumlah 11.038.110.300 10.234.574.350 Total
b. Berdasarkan keterkaitan: b. By relationship:
2021 2020
Bukan Bank Non Bank
Pihak berelasi (Cat. 41) 15.980.446 11.604.907 Related parties (Note 41)
10.452.596.643 9.748.458.500
Bank Bank
Jumlah 11.038.110.300 10.234.574.350 Total
- 99 -
27. DANA SYIRKAH TEMPORER (Lanjutan) 27. TEMPORARY SYIRKAH FUNDS (Continued)
(ii) Tabungan Mudharabah (lanjutan) (ii) Mudharabah Saving Deposits (continued)
Tabungan mudharabah merupakan simpanan Mudharabah savings deposits are entitled to

dana pihak lain yang mendapatkan imbalan bagi receive a share in profit derived by Bank from
hasil dari pendapatan Bank atas penggunaan the use of funds received based on
dana tersebut dengan nisbah yang ditetapkan predetermined ratio.
dan disetujui sebelumnya.
2021 2020
Tingkat Bagi Hasil/ Tingkat Bagi Hasil/
Nisbah Profit Sharing Rate Nisbah Profit Sharing Rate
Tabungan Shar-E 10 : 90 0,02% 10 : 90 0,71% Shar-E saving
Tabungan Ummat 10 : 90 0,53% 10 : 90 0,66% Ummat saving
Tabungan Prima 34 : 66 0,88% 34 : 66 1,06% Prima saving
Tabungan Arafah 22 : 78 0,57% 22 : 78 0,80% Arafah saving
Tabungan Wisata 30 : 70 2,58% 30 : 70 2,67% Wisata Saving
(iii) Deposito Berjangka Mudharabah (iii) Mudharabah Time Deposits
a. Berdasarkan keterkaitan: a. By relationship:
2021 2020
Bukan Bank Non Bank
Rupiah Rupiah
Pihak berelasi (Catatan 41) 8.692.385.237 365.761.666 Related parties (Note 41)
22.239.946.530 20.162.740.311

Pihak berelasi (Catatan 41) 1.383.687.850 1.534.727 Related parties (Note 41)
2.449.779.028 2.613.189.234
24.689.725.558 22.775.929.545
Bank Bank
Rupiah Rupiah

958.473.062 1.169.844.681
Jumlah 25.648.198.620 23.945.774.226 Total
- 100 -
2021 Annual Report
(iii) Deposito Berjangka Mudharabah (lanjutan) (iii) Mudharabah Time Deposits (continued)
b. Berdasarkan jangka waktu: b. By period:
2021 2020
Rupiah Rupiah
1 bulan 13.778.698.108 12.037.341.627 1 month
3 bulan 2.938.069.285 3.273.027.118 3 months
4 bulan 87.057.510 68.559.510 4 months
6 bulan 3.108.632.993 2.713.359.432 6 months
12 bulan 3.129.184.197 2.874.997.305 12 months
23.041.642.093 20.967.284.992

1 bulan 1.658.790.714 1.773.561.417 1 month
3 bulan 38.719.082 375.486.453 3 months
6 bulan 432.861.730 495.179.213 6 months
12 bulan 476.185.001 334.262.151 12 months
2.606.556.527 2.978.489.234
Jumlah 25.648.198.620 23.945.774.226 Total
c. Berdasarkan sisa umur jatuh tempo: c. By remaining period to maturity:
2021 2020
Rupiah Rupiah
 1 bulan 15.754.047.787 13.816.320.966  1 month
> 1 -  3 bulan 3.633.518.809 3.704.231.018 > 1 -  3 months
> 3 -  6 bulan 2.230.279.045 2.008.295.946 > 3 -  6 months
> 6 - 12 bulan 1.423.796.452 1.438.437.062 > 6 - 12 months
23.041.642.093 20.967.284.992

 1 bulan 1.680.680.956 2.034.702.454  1 month
> 1 -  3 bulan 447.769.931 640.509.093 > 1 -  3 months
> 3 -  6 bulan 53.876.198 44.065.938 > 3 -  6 months
> 6 - 12 bulan 424.229.442 259.211.749 > 6 - 12 months
2.606.556.527 2.978.489.234
Jumlah 25.648.198.620 23.945.774.226 Total
Deposito berjangka mudharabah merupakan Mudharabah time deposits are entitled to

investasi pihak lain yang mendapatkan imbalan receive a share in profit derived by the Bank
bagi hasil dari pendapatan Bank atas from the use of funds received based on
penggunaan dana tersebut dengan nisbah predetermined ratio.
yang ditetapkan dan disetujui sebelumnya.
- 101 -
(iv) Sukuk Mudharabah (iv) Mudharabah Sukuk
2021 2020
Sukuk Mudharabah BMI 2.440.856.000 -- BMI Mudharabah Sukuk

Sukuk Mudharabah Trust Trust Certificate
Certificate 1.600.000.000 1.600.000.000 Mudharabah Sukuk
Beban Bagi Hasil Sukuk 384.237.625 251.692.800 Sukuk Profit Sharing
Jumlah 4.425.093.625 1.851.692.800 Total
Merupakan surat berharga yang diterbitkan Bank It represents securities issued by Bank in the form
dalam bentuk Sukuk Mudharabah dengan jumlah of Mudharabah Sukuk with total principal amount
pokok sebesar Rp2.440.856.000 kepada PT PPA. of Rp2,440,856,000 to PT PPA. The Mudharabah
Sukuk Mudharabah yang diterbitkan oleh Bank Sukuk was not issued through public offering,
tidak melalui penawaran umum (public offering) instead it was issued through private placement.
tetapi dilakukan dengan mekanisme penawaran
terbatas (private placement).
Berdasarkan akta Perjanjian Penerbitan Sukuk Based on the Mudharabah Sukuk Issuance
Mudharabah yang tercantum dalam akta Notaris Agreement listed in the Notary Ashoya Ratam,
Ashoya Ratam, S.H., M.Kn, No. 20 tanggal 15 S.H., M.Kn, No. 20 dated November 15, 2021,
November 2021, Bank menerbitkan Sukuk the Bank issued Mudharabah Sukuk for a period
Mudharabah dengan jangka waktu 20 tahun of 20 years from the date of issue amounting to
s ejak t a n g g a l pen er bit an s eju m lah Rp2,440,856,000 with a sukuk holder ratio of
Rp2.440.856.000 dengan Nisbah pemegang 50.72%.
sukuk sebesar 50,72%.
Pada akhir periode penerbitan Sukuk At the end of each issuance period of the
Mudharabah, saldo kewajiban Bank atas Sukuk Mudharabah Sukuk, the total of Bank investment
tersebut akan menjadi pokok Sukuk Mudharabah. plan will become the principal of the Mudharabah
Hingga pada akhir periode, saldo kewajiban Bank Sukuk. Ultimately, at the end, the total investment
Muamalat atas Sukuk Mudharabah BMI sebesar plan will amount to Rp13,051,069,000 on the
Rp13.051.069.000 kepada PT PPA. account of PT PPA.
Merupakan surat berharga yang diterbitkan Bank It represents securities issued by Bank in the form
dalam bentuk Sukuk Subordinasi Mudharabah of Subordinated Mudharabah Sukuk with total
dengan jumlah pokok sebesar Rp1.600.000.000 principal amount of Rp1,600,000,000 to Mawthuq
kepada Mawthuq SPC Limited. Sukuk Subordinasi SPC Limited. The Subordinated Mudharabah Sukuk
Mudharabah yang diterbitkan oleh Bank tidak was not issued through public offering, instead it
melalui penawaran umum (public offering) tetapi was issued through private placement. This Sukuk
dilakukan dengan mekanisme penawaran has a period of 20 (twenty) years with
terbatas (private placement). Sukuk ini terdiri three-phases period of issuance.
dari tiga tahap penerbitan dengan jangka waktu
total 20 (dua puluh) tahun.
- 102 -
2021 Annual Report
(iv) Sukuk Mudharabah (lanjutan) (iv) Mudharabah Sukuk (continued)
Adapun tiga tahap penerbitan Sukuk The three phases of issuance of Mudharabah
Mudharabah adalah: Sukuk are:
1. Tahap ke-1: terhitung sejak tanggal 29 Juni 1. Phase I: from June 29, 2018 until June 29,
2018 hingga 29 Juni 2028. 2028.
2. Tahap ke-2: terhitung sejak tanggal 29 Juni 2. Phase II: from June 29, 2028 until June 29,
2028 hingga 29 Juni 2033. 2033.
3. Tahap ke-3: terhitung sejak tanggal 29 Juni 3. Phase III: from June 29, 2033 until June 29,
2033 hingga 29 Juni 2038. 2038.
Pada setiap akhir periode penerbitan Sukuk At the end of each period, the total of Bank
Subordinasi Mudharabah, saldo kewajiban Bank investment plan will become the principal amount
Muamalat atas Sukuk tersebut akan menjadi of the next phase. Ultimately, at the end of
pokok Sukuk Subordinasi Mudharabah periode phase III, the total investment plan will amount
selanjutnya. Hingga pada akhir Tahap ke-3, to Rp8,000,000,000 on the account of Mawthuq
saldo kewajiban Bank Muamalat atas Sukuk SPC Limited.
Subordinasi Mudharabah sebesar
Rp8.000.000.000 kepada Mawthuq SPC Limited.
Jumlah kewajiban Bank Muamalat kepada The total liabilities of Bank to Mawthuq SPC
Mawthuq SPC Limited atas Sukuk Subordinasi Limited for Subordinated Mudharabah Sukuk in
Mudharabah pada setiap tahap, adalah sebagai each phase are as follows:
berikut:
Akhir Periode/ End of Period

Tahap/ Phase 1 Tahap/ Phase 2 Tahap/ Phase 3
Pokok Sukuk Mudharabah 1.600.000.000 4.262.643.256 5.978.098.409 Sukuk Initial Amount

Kewajiban bagi hasil Sukuk 1.265.356.314 1.441.734.977 2.021.901.591 Sukuk profit sharing
Commitment fee 1.397.286.942 273.720.176 -- Commitment fee
Jumlah Kewajiban 4.262.643.256 5.978.098.409 8.000.000.000 Total Liabilities
(v) Medium Term Notes Syariah (v) Sharia Medium Term Notes
Medium Term Notes Syariah dan Medium Sharia Medium Term Notes (SMTN) and
Term Notes Syariah Subordinasi Subordinated Sharia Medium Term Notes
(SSMTN)
2021 2020
Medium Term Notes Subordinated Sharia Medium

Syariah Subordinasi I 100.000.000 100.000.000 Term Notes I
Jumlah 100.000.000 100.000.000 Total
Medium Term Notes Syariah Subordinasi This account represents securities issued in the
(MTNSS) merupakan surat berharga dengan form of medium-term Mudharabah contracts
akad Mudharabah berjangka waktu menengah issued by the Bank to the SSMTN holders,
yang dikeluarkan oleh Bank kepada Pemegang offered to subscribers either through a Limited
MTNS, yang ditawarkan oleh Penatalaksana Offering or a Public Offering.
kepada pemesan baik melalui Penawaran
Terbatas maupun Penawaran Umum.
- 103 -
(v) Medium Term Notes Syariah (lanjutan) (v) Sharia Medium Term Notes (continued)
Berdasarkan akta Perjanjian Penerbitan Medium Based on the Deed of Agreement of

Term Notes Syariah Subordinasi I Bank Subordinated Sharia Medium Term Notes I
Muamalat Indonesia tahun 2017 yang tercantum issued by Bank Muamalat Indonesia in 2017 as
dalam akta Notaris Ashoya Ratam, S.H., M.Kn, stated in Notarial deed of Ashoya Ratam, S.H.,
No. 29 tanggal 21 Juli 2017, Bank menerbitkan M.Kn, No.29 dated July 21, 2017, the Bank has
MTN Syariah Subordinasi I dengan jangka issued SSMTN I amounting to Rp100,000,000
waktu 5 tahun sejak tanggal penerbitan sejumlah with a maturity of 5 years since the issuance
Rp100.000.000 dengan Nisbah sebesar 23,75%. date with a Nisbah of 23.75%.
Bertindak sebagai wali amanat MTNSS ini adalah PT Bank Rakyat Indonesia (Persero) Tbk acts
PT Bank Rakyat Indonesia (Persero) Tbk. as the trustee for the SSMTN.
28. MODAL SAHAM 28. SHARE CAPITAL
Komposisi pemegang saham pada tanggal The composition of shareholders as of December 31,
31 Desember 2021 dan 2020 adalah sebagai berikut: 2021 and 2020 is as follows:
31 Desember 2021/
December 31, 2021
Persentase Jumlah modal
kepemilkan/ disetor/
Jumlah saham/ Percentage of Total paid-up
Nama pemegang saham Number of shares ownership capital Name of shareholders
Saham Seri A A Series Shares

Nilai nominal Rp200 (dalam Nominal value of Rp200
nilai penuh) (in full amount)
Koperasi Perkayuan Koperasi Perkayuan Apkindo
Apkindo MPI 133.136.480 1,30% 26.627.296 MPI
Badan Pengelola Badan Pengelola Keuangan
Keuangan Haji 232.408.095 2,28% 46.481.619 Haji
Reza Rhenaldi Syaiful 261.880 0,00% 52.376 Reza Rhenaldi Syaiful
Masyarakat (masing-
masing kepemilkan Public
dibawah 5.000.000 (each below 5,000,000
saham) 460.842.720 4,52% 92.168.544 shares)
Jumlah Saham Seri A 826.649.175 8,10% 165.329.835 Total A Series Shares
Saham Seri B B Series Shares

Nilai nominal Rp100 Nominal value of Rp100
(dalam nilai penuh) (in full amount)
Keuangan Haji 7.776.317.916 76,18% 777.631.792 Haji
Islamic Development Islamic Development
Bank 1.020.770.234 10,00% 102.077.023 Bank
Reza Rhenaldi Syaiful 170.265.710 1,67% 17.026.571 Reza Rhenaldi Syaiful
Dewi Monita 170.250.000 1,67% 17.025.000 Dewi Monita
Andre Mirza Hartawan, Andre Mirza Hartawan,
MBA, Ir. 169.500.000 1,66% 16.950.000 MBA, Ir.
Apkindo MPI 8.875.765 0,09% 887.577 MPI
Masyarakat (masing- Public
masing kepemilikan (each below 5,000,000
dibawah 5.000.000 saham) 65.073.535 0,64% 6.507.353 shares)
Jumlah Saham Seri B 9.381.053.160 91,90% 938.105.316 Total B Series Shares
Jumlah 10.207.702.335 100,00% 1.103.435.151 Total
- 104 -
2021 Annual Report
28. MODAL SAHAM (Lanjutan) 28. SHARE CAPITAL (Continued)
31 Desember 2020/
December 31, 2020

Apkindo MPI 133.136.480 1,30% 26.627.296 MPI
Bank 132.458.095 1,30% 26.491.619 Bank
Keuangan Haji 99.950.000 0,98% 19.990.000 Haji
Masyarakat (masing-
masing kepemilkan Public
dibawah 5.000.000 (each below 5,000,000
saham) 460.842.720 4,52% 92.168.544 shares)

Islamic Development
Bank 3.209.436.199 31,44% 320.943.620 Islamic Development Bank
Boubyan Bank Kuwait 2.245.694.513 22,00% 224.569.451 Boubyan Bank Kuwait
Atwil Holding Limited 1.828.090.034 17,91% 182.809.003 Atwil Holding Limited
National Bank of Kuwait 862.755.656 8,45% 86.275.566 National Bank of Kuwait
IDF Foundation 355.461.941 3,48% 35.546.194 IDF Foundation
BMF Holdings Limited 289.985.977 2,84% 28.998.598 BMF Holdings Limited
Reza Rhenaldi Syaiful 170.265.710 1.67% 17.026.571 Reza Rhenaldi Syaiful
Dewi Monita 170.250.000 1.67% 17.025.000 Dewi Monita
MBA, Ir. 169.500.000 1,66% 16.950.000 MBA, Ir.
Apkindo MPI 8.875.765 0,09% 887.577 MPI
Badan Pengelola Keuangan Badan Pengelola Keuangan
Haji 5.663.830 0,06% 566.383 Haji
masing kepemilikan (each below 5,000,000
dibawah 5.000.000 saham) 65.073.535 0,64% 6.507.353 shares)
Jumlah 10.207.702.335 100,00% 1.103.435.151 Total
Saham Bank terdiri dari saham Seri A dan B dengan The Bank's shares consist of A and B Series shares,
hak suara dan hak dividen yang sama. Saham seri A which have the same voting and dividend rights. A
adalah saham pendiri yang hanya dapat dimiliki atau series shares are founder shares which can only be
dipindahkan haknya kepada warga negara Indonesia owned or transferred to Indonesian citizens, or a
atau badan hukum yang berkedudukan di Indonesia corporation established under Indonesian laws and
yang didirikan menurut perundang-undangan regulations, wherein the members of management
Indonesia dan para pengurusnya mayoritas mutlak should all be Indonesian citizens. B series shares can
adalah warga negara Indonesia. Saham Seri B be owned by either Indonesian or foreign citizens or
adalah saham biasa yang dikeluarkan kemudian yang an Indonesian or foreign corporation.
dapat dimiliki baik oleh warga negara Indonesia
maupun warga negara asing atau badan hukum
Indonesia maupun badan hukum asing.
- 105 -
Sesuai dengan Akta Hibah No. 37, 38 dan 39 tanggal In accordance with the Deed of Grant No. 37, 38
21 Juni 2021, Akta Hibah No. 22, 23 dan 24 tanggal and 39 dated June 21, 2021, Deed of Grant No. 22,
15 November 2021 serta Addendum Akta Hibah No. 23 and 24 dated November 15, 2021 and Addendum
27 tanggal 16 November 2021 yang dibuat oleh to the Deed of Grant No. 27 dated November 16,
Notaris Ashoya Ratam, Sarjana Hukum, Magister 2021 of Notary Ashoya Ratam, Bachelor of Law,
Kenotariatan, Notaris di Kota Administrasi Jakarta Master of Notary, Notary in South Jakarta
Selatan, Badan Pengelola Keuangan Haji (BPKH) telah Administrative City, Hajj Financial Management
menerima pengalihan saham melalui hibah dari para Agency (BPKH) has received a share transfer
pemegang saham pengendali (PSP) Bank Muamalat, through a grant from the controlling shareholders
yakni Islamic Development Bank (IsDB), Boubyan (PSP) of Bank Muamalat, namely Islamic
Bank, Atwill Holdings Limited, National Bank of Development Bank (IsDB), Boubyan Bank, Atwill
Kuwait, IDF Investment Foundation dan BMF Holdings Holdings Limited, National Bank of Kuwait, IDF
Limited sebanyak 7.903.112.181 saham atau setara Investment Foundation and BMF Holdings Limited
dengan 77,42%. Dengan demikian, total kepemilikan with total amount of 7,903,112,181 shares or
saham BPKH di Bank Muamalat per tanggal 16 equivalent to 77.42%. Thus, the total share
November 2021 naik menjadi 78,45%. ownership of BPKH in Bank Muamalat as of
November 16, 2021 increased to 78.45%.
a. Boubyan Bank K.S.C.P telah menghibahkan a. Boubyan Bank K.S.C.P has granted a total of
sejumlah 2.245.694.513 (dua miliar dua ratus 2,245,694,513 (two billion two hundred forty five
empat puluh lima juta enam ratus Sembilan puluh million six hundred ninety four thousand five
empat ribu lima ratus tiga belas) saham seri B hundred and thirteen) B Series shares to BPKH.
kepada BPKH.
b. National Bank of Kuwait S.A.K.P telah b. National Bank of Kuwait S.A.K.P has granted a
menghibahkan sejumlah 862.755.656 (delapan total of 862,755,656 (eight hundred sixty two
ratus enam puluh dua juta tujuh ratus lima puluh million seven hundred fifty five thousand six
lima ribu enam ratus lima puluh enam) saham seri hundred and fifty six) B Series shares to BPKH.
B kepada BPKH.
c. Atwill Holdings Limited telah menghibahkan c. Atwill Holdings Limited has granted a total of
sejumlah 1.828.090.034 (satu miliar delapan ratus 1,828,090,034 (one billion eight hundred twenty
dua puluh delapan juta Sembilan puluh ribu tiga eight million ninety thousand and thirty four) B
puluh empat) saham Seri B kepada BPKH. Series shares to BPKH.
d. BMF Holdings Limited telah menghibahkan d. BMF Holdings Limited has granted a total of
sejumlah 289.985.977 (dua ratus delapan puluh 289,985,977 (two hundred eighty nine million
Sembilan juta Sembilan ratus delapan puluh lima nine hundred eighty five thousand nine hundred
ribu Sembilan ratus tujuh puluh tujuh) Saham Seri and seventy seven) B Series Shares to BPKH
B kepada BPKH.
e. IDF Investment Foundation telah menghibahkan e. IDF Investment Foundation has granted a total
sejumlah 355.461.941 (tiga ratus lima puluh lima of 355,461,941 (three hundred fifty five million
juta empat ratus enam puluh satu ribu Sembilan four hundred sixty one thousand nine hundred
ratus empat puluh satu) Saham Seri B kepada and forty one) B Series shares to BPKH.
BPKH.
f. IsDB telah menghibahkan sejumlah 2.321.124.060 f. IsDB has granted a total of 2,321,124,060 (two
(dua miliar tiga ratus dua puluh satu juta seratus billion three hundred twenty one million one
dua puluh empat ribu enam puluh rupiah) yaitu hundred twenty four thousand and sixty rupiah),
sebanyak 22,74% lembar saham yang terdiri dari which is 22.74% shares consisting of
132.458.095 Saham Seri A dan 2.188.665.965 132,458,095 A Series Shares and 2,188,665,965
Saham Seri B. B Series Shares.
Pemegang saham mayoritas Bank adalah Badan As of December 31, 2021, the majority shareholder of
Pengelola Keuangan Haji (BPKH) Republik Indonesia the Bank is Badan Pengelola Keuangan Haji (BPKH)
per tanggal 31 Desember 2021, sedangkan per Republik Indonesia, and as of December 31, 2020,
tanggal 31 Desember 2020 pemegang saham the majority shareholder of the Bank is Islamic
mayoritas Bank adalah Islamic Development Bank Development Bank, that is owned by the Organization
yang dimiliki oleh negara-negara yang tergabung of the Islamic Cooperation (OIC).
dalam Organisasi Kerjasama Negara Islam (OKI).
- 106 -
2021 Annual Report
Berdasarkan Rapat Umum Pemegang Saham Tahunan Based on the Annual General Meeting of
dan Rapat Umum Pemegang Saham Luar Biasa Shareholders and Extraordinary General Meeting of
(RUPSLB) yang diselenggarakan pada tanggal 30 Shareholders’ held on August 30, 2021, the
Agustus 2021, para pemegang saham telah shareholders have decided to:
memutuskan:
a. Menyetujui perubahan Anggaran Dasar Perseroan a. Approve the amendment of the Company's
tentang Modal Dasar dan Nilai Nominal saham Articles of Association regarding the Authorized
Perseroan Menjadi Rp5.600.000.000.000 (dalam Capital and Nominal Value of the Company's
angka penuh). shares to become Rp5,600,000,000,000,- (in full
amount).
b. Menyetujui pelaksanaan Rencana Penambahan b. Approve the implementation of the Capital
Modal dengan memberikan Hak Memesan Efek Increase Plan by granting Pre-emptive Rights.
Terlebih Dahulu ("PMHMETD"). Penerbitan Saham Issuance of the Company's new Shares of a
baru Perseroan paling banyak 40.000.000.000 maximum of 40,000,000,000 (in full amount) C
(dalam angka penuh) Saham Seri C dengan nilai Series Shares with a nominal value of Rp30.-
nominal Rp30,- (tiga puluh Rupiah) setiap saham, (thirty Rupiah) per share, with the exercise price
dengan harga pelaksanaan sebesar Rp30,- (tiga of Rp30.- (thirty Rupiah)/share.
puluh Rupiah)/ lembar saham.
c. Menyetujui pemberian wewenang dan kuasa c. Approve the granting of authority and power to
kepada Direksi Perseroan, dengan hak substitusi, the Board of Directors of the Company, with the
untuk melakukan semua dan setiap tindakan yang right of substitution, to take all and every action
diperlukan sehubungan dengan PUT VI. deemed necessary in connection with the Right
Issue VI.
d. Menyetujui penerbitan instrumen subordinasi d. Approve the issuance of subordinated instruments
dengan nilai sebanyak-banyaknya with a maximum value of Rp2,000,000,000 (in full
Rp2.000.000.000 (dalam angka penuh). amount).
e. Pengangkatan Bapak Dr. H. Agung Danarto, M.Ag e. Appoint Mr. Dr. H. Agung Danarto, M.Ag as
sebagai Anggota Dewan Pengawas Syariah Member of the Company's Sharia Supervisory
Perseroan. Board.
yang diselenggarakan pada tanggal 29 April 2021, Shareholders held on April 29, 2021, the
para pemegang saham telah memutuskan: shareholders have decided to:
1. Persetujuan Laporan Tahunan Bank Tahun Buku 1. Approve the Bank’s 2020 Annual Report including
2020 termasuk Laporan Tugas Pengawasan Dewan the Supervisory Report of the Board of
Komisaris dan Dewan Pengawas Syariah untuk Commissioners and Sharia Supervisory Board for
Tahun Buku 2020 serta Pengesahan Laporan Fiscal Year 2020 and Ratification of the Bank’s
Keuangan Bank Untuk Tahun Buku 2020; Financial Statements for Fiscal Year 2020;
2. Persetujuan Penggunaan Laba Bersih Bank Tahun 2. Approve the Use of Net Profit for Fiscal Year 2020;
Buku 2020;
3. Penunjukkan Kantor Akuntan Publik untuk 3. Appoint Public Accounting Firm to Audit the Bank’s
Melakukan Audit Laporan Keuangan Bank Tahun Financial Statements for Fiscal Year 2021 and
Buku 2021 dan Audit Lain yang Dibutuhkan Bank; Conduct Other Audits Required by the Bank;
dan Rapat Umum Pemegang Saham Luar Biasa Shareholders and Extraordinary General Meeting of
(RUPSLB) yang diselenggarakan pada tanggal 31 Shareholders held on August 31, 2020, the
Agustus 2020, para pemegang saham telah shareholders have decided to:
memutuskan:
1. Persetujuan Laporan Tahunan Bank Tahun Buku 1. Approve the Bank’s 2019 Annual Report including
2019 termasuk Laporan Tugas Pengawasan Dewan the Supervisory Report of the Board of
Komisaris dan Dewan Pengawas Syariah untuk Commissioners and Sharia Supervisory Board for
Tahun Buku 2019 serta Pengesahan Laporan Fiscal Year 2019 and Ratification of the Bank’s
Keuangan Bank Untuk Tahun Buku 2019; Financial Statements for Fiscal Year 2019;
2. Persetujuan Penggunaan Laba Bersih Bank Tahun 2. Approve the Use of Net Profit for Fiscal Year 2019;
Buku 2019;
3. Penunjukkan Kantor Akuntan Publik untuk 3. Appoint Public Accounting Firm to Audit the Bank’s
Melakukan Audit Laporan Keuangan Bank Tahun Financial Statements for Fiscal Year 2020 and
Buku 2020 dan Audit Lain yang Dibutuhkan Bank; Conduct Other Audits Required by the Bank;
- 107 -
Pengurus yang memiliki saham Bank pada tanggal Members of the Bank’s management hold the Bank
31 Desember 2021 dan 2020 adalah sebesar Rp2.909 shares as of December 31, 2021 and 2020 in the
untuk saham Seri A dan Rp87 untuk saham Seri B. amount of Rp2,909 for A series Shares and Rp87 for
B series Shares.
Pada tanggal 31 Desember 2021 dan 2020, tidak ada As of December 31, 2021 and 2020, no member of
Dewan Komisaris yang menjadi pemegang saham the Board of Commissioner is a shareholder of the
Bank. Bank.
29. TAMBAHAN MODAL DISETOR 29. ADDITIONAL PAID-IN CAPITAL
Tambahan modal disetor terdiri dari : Additional paid in capital consists of :
31 Desember 2021
dan 2020/
December 31, 2021
and 2020
Jumlah yang diterima dari: Proceeds from issuance of:
Penawaran Umum Terbatas V, 2013 1.070.048.797 Limited Public Offering V, 2013
Penawaran Umum Terbatas IV, 2010 383.216.603 Limited Public Offering IV, 2010
Penawaran Umum Terbatas III, 2005 133.858.215 Limited Public Offering III, 2005
Penawaran Umum Terbatas II, 2002 662.290 Limited Public Offering II, 2002
Penawaran Umum Perdana 1993 143.553 Initial Public Offering 1993
Biaya emisi saham yang berasal Share issuance cost
dari: from:
Penawaran Umum Terbatas V, 2013 (4.854.701) Limited Public Offering V, 2013
Penawaran Umum Terbatas IV, 2010 (1.983.700) Limited Public Offering IV, 2010
Penawaran Umum Terbatas III, 2005 (493.727) Limited Public Offering III, 2005
Penawaran Umum Terbatas II, 2002 (1.672.073) Limited Public Offering II, 2002
Jumlah 1.578.925.257 Total
30. PENGGUNAAN LABA NETO 30. APPROPRIATION OF NET INCOME
Berdasarkan Rapat Umum Pemegang Saham Tahunan Based on the Annual General Meeting of Shareholders
yang diselenggarakan pada tanggal 29 April 2021, held on April 29, 2021, the shareholders have decided
para pemegang saham telah memutuskan untuk to establish provision for all net income in 2020
melakukan penyisihan seluruh laba neto tahun 2020 amounting to Rp10,019,739 to the 2020 general
sebesar Rp10.019.739 ke akun cadangan umum reserve account.
tahun 2020.
Berdasarkan Rapat Umum Pemegang Saham Tahunan Based on the Annual General Meeting of Shareholders
yang diselenggarakan pada tanggal 8 Agustus 2020, held on August 8, 2020, the shareholders have
para pemegang saham telah memutuskan untuk decided to establish provision for all net income in
melakukan penyisihan seluruh laba bersih tahun 2019 2019 amounting to Rp16,326,331 to the 2019 general
sebesar Rp16.326.331 ke akun cadangan umum reserve account.
tahun 2019.
- 108 -
2021 Annual Report
31. PENDAPATAN PENGELOLAAN DANA OLEH 31. REVENUE FROM FUND MANAGEMENT BY
BANK SEBAGAI MUDHARIB BANK AS MUDHARIB
2021 2020
Rupiah Rupiah
Pendapatan dari bagi hasil Income from revenue sharing
Musyarakah 891.406.297 901.698.967 Musyarakah
Mudharabah 61.583.299 69.076.685 Mudharabah
Jumlah 952.989.596 970.775.652 Total
Pendapatan dari penjualan Income from sales

Murabahah 755.860.824 1.084.910.055 Murabahah
Istishna 257.454 285.363 Istishna
Jumlah 756.118.278 1.085.195.418 Total
Pendapatan dari ijarah -neto 2.910.981 3.025.155 Income from ijarah-net
Pendapatan usaha utama Other main operating

lainnya income
Pendapatan bonus FASBIS 38.537.365 13.374.070 Bonus from FASBIS
Pendapatan bagi hasil Income from revenue sharing -
surat berharga - reksadana 7.683.173 8.821.215 mutual fund
Pendapatan bagi hasil surat Income from revenue sharing from
berharga 45.661.228 4.391.152 marketable securities
Pendapatan bonus Sertifikat Bonus from Bank Indonesia
Bank Indonesia Syariah -- 3.689.153 Sharia Certificate
Pendapatan fee wesel ekspor 834.240 1.035.942 Export bill fee
Pendapatan bagi hasil Income from revenue sharing from
penempatan pada bank lain 181.171 399.963 placements with other banks
Pendapatan bonus Giro Bank 96.953 73.531 Income from CA Placement
Jumlah 92.994.130 31.785.026 Total

Pendapatan dari bagi hasil Income from revenue sharing
Musyarakah 17.076.490 27.422.968 Musyarakah
Mudharabah -- -- Mudharabah
Jumlah 17.076.490 27.422.968 Total
Pendapatan dari penjualan Income from sales

Murabahah 74.493.674 78.916.163 Murabahah
Istishna 134.615 197.522 Istishna
74.628.289 79.113.685
Pendapatan usaha
utama lainnya Other main operating income
Pendapatan bagi hasil Income from revenue sharing from
surat berharga 238.645.674 229.385.755 marketable securities
Keuntungan penjualan surat
berharga 3.076.720 3.417.773 Gain on sale of securities
Keuntungan MTM surat berharga Gain on FVTPL marketable securities
FVTPL 1.210.199 1.309.189 MTM
Pendapatan bonus Sertifikat Bonus from Bank Indonesia Sharia
Bank Indonesia Syariah 139.983 62.172 Certificate
Pendapatan Bonus Giro Bank -- 114.652 Income from CA placement
Jumlah 243.072.576 234.289.541 Total
Jumlah 2.139.790.340 2.431.607.445 Total
- 109 -
32. HAK PIHAK KETIGA ATAS BAGI HASIL DANA 32. THIRD PARTIES’ SHARE ON RETURN OF
SYIRKAH TEMPORER TEMPORARY SYIRKAH FUNDS
Akun ini merupakan distribusi bonus, margin dan This account represents distribution of bonus, margin
bagi hasil untuk nasabah: and profit sharing to the customers:
2021 2020
Deposito berjangka Mudharabah time

mudharabah 1.026.945.402 1.256.412.229 deposits
Tabungan mudharabah 168.626.003 182.532.167 Mudharabah saving deposits
Sukuk mudharabah dan MTN Subordinated mudharabah Sukuk
subordinasi 145.877.369 122.689.901 and MTN
Giro mudharabah 39.731.096 29.299.722 Mudharabah demand deposit
Beban bagi hasil Fund borrowing profit
pinjaman yang diterima 5.336.166 19.113.404 sharing
Jumlah 1.386.516.036 1.610.047.423 Total
33. PENDAPATAN OPERASIONAL LAINNYA 33. OTHER OPERATING INCOME
2021 2020
Jasa administrasi 423.382.338 434.875.634 Administration fees

Jasa transaksi ATM 52.792.523 48.794.076 ATM transaction income
Jasa layanan 84.026.857 86.697.928 Service fee
Jasa transaksi L/C 260.730 637.298 L/C transaction income
Lainnya 23.232.455 3.635.492 Others
Jumlah 583.694.903 574.640.428 Total
Jasa administrasi untuk tahun yang berakhir pada Administration fees for the years ended December
tanggal 31 Desember 2021 dan 2020 masing-masing 31, 2021 and 2020 is amounting to Rp423,382,338
sebesar Rp423.382.338 dan Rp434.875.634 dimana and Rp434,875,634, respectively, of which
masing-masing sebesar Rp325.630.782 dan Rp325,630,782 and Rp337,775,655, respectively,
Rp337.775.655 merupakan penerimaan pembayaran represents receipt of payment for debtors included in
atas debitur yang masuk dalam program pengalihan the portfolio transfer and sale program.
dan penjualan portofolio.
34. BEBAN KARYAWAN 34. EMPLOYEE EXPENSES
2021 2020
Gaji, upah, tunjangan dan Salaries, wages, allowance and benefits

kesejahteraan karyawan tetap 623.797.602 634.039.804 for permanent employees
Beban imbalan kerja Employee benefit expense
(Catatan 25) 25.062.089 30.073.579 (Note 25)
Pendidikan dan pelatihan 34.358.954 37.621.885 Education and training
Beban penelitian dan Research and
pengembangan 1.844.695 1.296.526 development
Jumlah 685.063.340 703.031.794 Total
- 110 -
2021 Annual Report
34. BEBAN KARYAWAN (Lanjutan) 34. EMPLOYEE EXPENSES (Continued)
Rincian gaji dan tunjangan atas kelompok Direksi, The details of salaries and allowance of the Board of
Dewan Komisaris, Komite Audit, Dewan Pengawas Commissioners, Board of Directors, Audit Committee,
Syariah dan Pejabat Eksekutif adalah sebagai berikut Sharia Supervisory Board and Executive Officers are
(tidak diaudit): as follows (unaudited):
31 Desember/December 31,
2021
Jumlah
Pegawai/
Number of Gaji/ Tunjangan/ Jumlah/
employee Salaries Allowance Total
Dewan Komisaris/ Board of Commissioners/

Komite Audit 6 5.003.011 3.036.763 8.039.774 Audit Committee
Direksi 6 11.028.759 15.176.937 26.205.696 Board of Directors
Dewan Pengawas Syariah 3 623.333 148.243 771.576 Sharia Supervisory Board
Pejabat Eksekutif 113 39.589.447 50.034.063 89.623.510 Executive officers
Jumlah 128 56.244.550 68.396.006 124.640.556 Total
31 Desember 2020/ December 31,

2020
Jumlah
Pegawai/
Number of Gaji/ Tunjangan/ Jumlah/
employee Salaries Allowance Total
Dewan Komisaris/ Board of Commissioners/

Komite Audit 7 6.065.224 1.383.508 7.448.732 Audit Committee
Direksi 6 13.309.555 8.417.299 21.726.854 Board of Directors
Dewan Pengawas Syariah 2 615.484 83.065 698.549 Sharia Supervisory Board
Pejabat Eksekutif 119 42.861.686 41.428.605 84.290.291 Executive officers
Jumlah 134 62.851.949 51.312.477 114.164.426 Total
35. BEBAN UMUM DAN ADMINISTRASI 35. GENERAL AND ADMINISTRATIVE EXPENSES
2021 2020
Penyusutan aset tetap Depreciation of premises and

(Catatan 15) 138.282.042 130.251.603 equipment (Note 15)
Gaji, upah, tunjangan Salaries, wages and benefits for
karyawan outsourcing 79.330.479 88.251.728 outsourced employees
Sewa 66.397.864 82.220.366 Rent
Asuransi penjaminan pihak Insurance for third parties fund
ketiga (Catatan 44) 81.048.640 73.726.039 guarantee (Note 44)
Perbaikan dan pemeliharaan 54.878.182 55.697.780 Repair and maintenance
Listrik, air dan Electricity, water and
telekomunikasi 52.006.435 54.071.356 telecommunication
Beban kantor 15.740.840 25.519.826 Office expenses
Transportasi 7.875.166 18.548.671 Transportation
Biaya ATM 7.189.385 15.562.360 ATM expenses
Promosi 4.691.025 9.668.437 Promotion
Asuransi aset Insurance for premises and
tetap 3.593.027 6.371.639 equipment
Perjalanan dinas 548.248 4.203.209 Business trip
Perlengkapan kantor 3.129.871 4.123.365 Office supplies
Penyusutan aset hak guna Depreciation of right of use assets
(Catatan 16) 1.118.232 -- (Note 16)
Jumlah 515.829.436 568.216.379 Total
- 111 -
36. BEBAN (PEMBALIKAN) CADANGAN KERUGIAN 36. PROVISION FOR (REVERSAL OF) IMPAIRMENT
PENURUNAN NILAI ASET PRODUKTIF DAN LOSSES OF EARNING AND NON EARNING
NON PRODUKTIF ASSETS
2021 2020
Penempatan pada Bank lain (168.443) (200.000) Placement with other Banks
Piutang (134.950.075) (12.265.700) Receivables
Pembiayaan Musyarakah 85.869.545 (16.874.345) Musyarakah financing
Pinjaman Qardh 2.076.804 10.856.810 Funds of qardh
Pembiayaan Mudharabah 1.013.968 (1.697.876) Mudharabah financing
Tagihan akseptasi 61.080.982 (2.400.601) Acceptance receivables
Aset Terbengkalai -- 86.166.147 Abandoned assets
Aset lain-lain (58.437.210) 986.829 Other assets
Estimasi kerugian komitmen Estimated losses on commitments
dan kontinjensi (695.290) (157.440) and contingencies
Penyertaan Modal Sementara 60.242.400 -- Temporary equity investment
Jumlah 16.032.681 64.413.824 Total
37. BEBAN OPERASIONAL LAIN-LAIN 37. OTHER OPERATING EXPENSES
2021 2020
Jasa konsultan 48.332.084 29.121.572 Consultant fees

Beban fee collection, dana Collection fee, saving deposit,
tabungan giro dan deposito demand deposits and mudharabah
mudharabah 35.836.566 15.654.183 time deposits fee
Keperluan umum dan kegiatan General expenses for office
kantor 10.213.035 12.964.984 activities
Beban premi asuransi 5.585.830 5.584.608 Insurance premiums
Iuran keanggotaan 1.121.711 840.060 Membership fees
Lain-lain 2.240.139 2.968.158 Others
Jumlah 103.329.365 67.133.565 Total
38. PENDAPATAN NON OPERASIONAL 38. NON OPERATING INCOME
2021 2020
Pendapatan non usaha 15.482.394 2.159.987 Non operating income

Pendapatan fee DPLK 11.333.242 12.984.738 Fee from DPLK
Keuntungan penjualan Gain on sale of premises and
aset tetap (Catatan 15) 939.653 -- equipment (Note 15)
Jumlah 27.755.289 15.144.725 Total
- 112 -
2021 Annual Report
39. BEBAN NON OPERASIONAL 39. NON OPERATING EXPENSES
2021 2020
Beban pajak 8.743.371 11.400.632 Tax expense

Kerugian penjualan aset tetap Loss on sale of
(Catatan 15) -- 780.783 premises and equipment (Note 15)
Sumbangan dan hadiah 872.933 500.431 Donation and gifts
Denda 800 100 Penalties
Beban penghapusan inventaris 460.658 -- Loss on sale of equipments
Lain-lain 24.642.150 3.837.127 Others
Jumlah 34.719.912 16.519.073 Total
40. LABA PER SAHAM 40. EARNINGS PER SHARE
a. Laba per Saham Dasar a. Basic Earnings per Share
Berikut ini data yang digunakan untuk perhitungan The following data is used to compute the basic
laba per saham dasar: earnings per share:
2021 2020
Laba bersih Net income

Laba bersih untuk Net income for computation
perhitungan laba per saham of basic earnings
dasar 8.927.051 10.019.739 per share
Lembar/Shares Lembar/Shares
Jumlah saham Number of shares
Jumlah rata-rata tertimbang Weighted average number
saham biasa untuk of outstanding ordinary
perhitungan laba per saham shares for computing basic
dasar (dalam nilai penuh) 10.207.702.335 10.207.702.335 earnings per share (in full amount)
Laba Per Saham 0,87 0,98 Earnings Per Share
b. Laba per Saham Dilusian b. Diluted Earnings per Share
Tidak terdapat laba per saham dilusian karena There are no diluted earnings per share since
Bank tidak memiliki efek berpotensi saham dilusian. there are no potential diluted shares.
- 113 -
41. INFORMASI MENGENAI TRANSAKSI DENGAN 41. INFORMATION ON TRANSACTIONS WITH

PIHAK BERELASI RELATED PARTIES
Pihak-pihak berelasi terdiri dari Dewan Komisaris, Related parties consist of Board of Commissioners,
Direksi dan karyawan kunci, pemegang saham, Board of Directors and key employees,
komisaris PT Syarikat Takaful Indonesia, Pengurus Commissioner of PT Syarikat Takaful Indonesia,
utama Baitul Maal Muamalat dan Dana Pensiun management of Baitul Maal Muamalat and Dana
Lembaga Keuangan Muamalat, PT Al Ijarah Indonesia Pensiun Lembaga Keuangan Muamalat, PT Al Ijarah
Finance berdasarkan PSAK No. 7 (Revisi 2010), Indonesia Finance (subsidiary) based on SFAS No. 7
“Pengungkapan Pihak-Pihak Berelasi”. (Revised 2010), “Related Party Disclosures”.
a. Jenis hubungan dan unsur transaksi a. Type of relationships and transactions of

berelasi related parties
Pihak Berelasi / Sifat dari hubungan / Sifat dari transaksi /

Related Parties Nature of relationship Nature of Transaction
Badan Pengelola Keuangan Haji Entitas Induk/ Deposito mudharabah, Modal/

Parent entity Mudharabah time deposit, share capital
PT Al Ijarah Indonesia Finance Entitas asosiasi/ Piutang Murabahah, pembiayaan

Associate entity mudharabah dan musyarakah ,
penyertaan saham dan liabilitas utang
sewa pembiayaan/
Murabahah receivables, mudharabah
and musyarakah financing, investment
in shares and obligation under lease
finance
PT Syarikat Takaful Indonesia Entitas asosiasi/ Pe n y e r t a a n s a h a m , depo s it o

Associate entity mudharabah/
Investment in shares and mudharabah
time deposit
b. Transaksi pihak-pihak berelasi b. Transaction with related parties
Pihak Berelasi / Sifat dari hubungan / Sifat dari transaksi /

Related Parties Nature of relationship Nature of Transaction
Karyawan kunci/ Key Employees Hu bu n gan pen gen dalian Piutang murabahah, pinjaman qardh,
kegiatan Bank /Significant pembiayaan musyarakah, giro wadiah,
influence on Bank’s activities tabungan mudharabah dan deposito
mudharabah /
Murabahah receivables, funds of qardh,
musyarakah financing, wadiah demand
deposits, mudharabah saving deposit,
and mudharabah time deposits
Komisaris, Dewan pengawas Hubungan pengendalian Giro wadiah dan deposito mudharabah/
syariah/ kegiatan Bank/ Wadiah demand depo s it and
Commissioner, Sharia supervisory Significant influence on mudharabah time deposits
board Bank’s activities
Baitul Maal Muamalat Hu bun gan pen gen dalian Giro wadiah dan deposito mudharabah /
melalui karyawan kunci/ Wadiah demand deposit an d
Significant influence through mudharabah time deposits
key employees
- 114 -
2021 Annual Report

PIHAK BERELASI (Lanjutan) RELATED PARTIES (Continued)
Dalam kegiatan perbankan, Bank melakukan For banking activities, the Bank has performed
transaksi signifikan dengan pihak-pihak berelasi the following significant transactions with related
sebagai berikut: parties:
31 Desember/ 31 Desember /
2021 2020
Aset Assets
Piutang murabahah (Catatan 8) Murabahah receivables (Note 8)
Karyawan kunci 3.001.452 4.173.110 Key Employees
3.001.452 4.173.110
Pinjaman qardh (Catatan 9) Funds of qardh (Note 9)
Pembiayaan musyarakah Musyarakah financing
1.291.811 1.808.733
Aset Ijarah Ijarah Asset
Penyertaan Saham Investments in shares
PT Al Ijarah Indonesia PT Al Ijarah Indonesia
Finance 401.616.000 401.616.000 Finance
PT Syarikat Takaful PT Syarikat Takaful
Indonesia 6.095.237 6.095.237 Indonesia
407.711.237 407.711.237
Jumlah aset dari pihak
berelasi 412.153.023 413.745.716 Total assets from related parties
Jumlah aset 58.899.174.319 51.241.303.583 Total assets
Persentase jumlah aset Percentage of total assets

dari pihak berelasi from related parties to
terhadap jumlah aset 0,70% 0,81% total assets
Liabilitas Liabilities
Asuransi Takaful/Baitul Asuransi Takaful/ Baitul Maal
Maal Muamalat/Dana Pensiun Muamalat/Dana Pensiun Lembaga
Lembaga Keuangan 12.390.177 27.317.019 Keuangan
Entitas asosiasi 1.401.527 4.675.880 Associate entities
Komisaris 65.169 10.852 Commissioner
14.017.811 32.161.778
Utang sewa pembiayaan Obligation under capital lease
PT Al Ijarah Indonesia Finance -- 764.777 PT Al Ijarah Indonesia Finance
Dana syirkah temporer Temporary syirkah fund
Deposito mudharabah Mudharabah time deposits
Entitas induk 9.695.954.140 -- Parent entities
Entitas asosiasi -- 9.000.000 Associate entities
Dewan Pengawas Syariah 3.207.747 2.342.286 Members of Sharia Supervisory Board
PT Syarikat Takaful/Baitul PT Syarikat Takaful/
Maal Muamalat/Dana Pensiun Baitul Maal Muamalat/Dana Pensiun
Lembaga Keuangan/Muamalat Lembaga Keuangan/ Muamalat
Institute 360.247.839 338.031.865 Institute
Tabungan mudharabah Mudharabah saving deposits
10.092.053.534 378.901.300
- 115 -

PIHAK BERELASI (Lanjutan) RELATED PARTIES (Continued)
2021 2020
Estimasi liabilitas Estimated liabilities for

imbalan kerja employee benefit
Jumlah liabilitas dan dana Total liabilities and

syirkah temporer dari pihak temporary syirkah
berelasi 10.136.849.527 444.422.779 fund from related parties
Jumlah liabilitas dan dana Total liabilities and

syirkah temporer 54.912.825.770 47.274.593.210 temporary syirkah fund
Persentase jumlah
liabilitas dan dana Percentage of total
syirkah temporer pihak liabilities and temporary
berelasi terhadap syirkah fund from related
jumlah liabilitas dan parties to total liabilities and
dana syirkah temporer 18,46% 0,94% temporary syirkah fund
42. KOMITMEN DAN KONTINJENSI 42. COMMITMENTS AND CONTINGENCIES
Berikut adalah komitmen dan kontijensi pada tanggal The commitments and contingencies as of
31 Desember 2021 dan 2020 adalah sebagai berikut: December 31, 2021 and 2020 are as follows:
2021 2020
KOMITMEN COMMITMENTS
Liabilitas komitmen Commitment liabilities
Fasilitas pembiayaan yang Unused financing
belum digunakan 103.894.085 108.797.508 facilities
Fasilitas L/C yang masih Outstanding irrevocable letters
berjalan 2.703.920 4.955.523 of credit
Issuance of Domestic Letters
Penerbitan SKBDN 14.863.464 54.872.670 of Credit
Jumlah liabilitas komitmen 121.461.469 168.625.701 Total commitment liabilities
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingency receivables
Piutang dan pembiayaan hapus Written-off receivables and
buku 1.554.946.724 1.581.728.556 financing
Margin on non-performing
Margin dalam penyelesaian 45.679.894 237.199.180 receivables
Jumlah tagihan kontinjensi 1.600.626.618 1.818.927.736 Total contingency receivables
Liabilitas kontinjensi bank Contingency liabilities on bank
garansi 79.623.686 109.714.002 guarantees
Liabilitas kontinjensi - neto 1.521.002.932 1.709.213.734 Contingency liabilities - net
- 116 -
2021 Annual Report
43. INFORMASI SEGMEN 43. SEGMENT INFORMATION
a. Segmen Geografis a. Geographical Segment
Berikut ini adalah informasi wilayah geografis The geographical segment information is as
(tidak diaudit): follows (unaudited):
31 Desember/December 31, 2021
Jabodetabek/ Jawa/ Sumatera/ Kalimantan/ Lainnya/ Jumlah/
Jabodetabek Java Sumatra Borneo Others Total
ASET ASSETS
Kas 249.613.014 210.410.922 119.908.289 39.400.346 125.857.574 745.190.145 Cash
Giro dan penempatan pada Current accounts and placements
Bank Indonesia 6.502.230.839 -- -- -- -- 6.502.230.839 with Bank Indonesia
Giro pada bank lain - neto 360.349.205 12.282.591 10.437.370 -- 14.441.431 397.510.597 Current accounts with other banks - net
Penempatan pada bank lain - neto 3.589.908 79.200 -- -- -- 3.669.108 Placements with other banks - net
Investasi pada surat berharga - Investment in marketable securities -
neto 26.925.985.511 -- -- -- -- 26.925.985.511 net
Piutang - neto 4.262.442.408 1.654.974.453 486.200.646 263.250.561 813.180.631 7.480.048.699 Receivables - net
Pinjaman qardh - neto 230.047.846 288.425.234 12.644.771 5.075.275 135.971.935 672.165.061 Funds of Qardh - net
Pembayaran mudharabah - bersih 374.646.121 133.260.669 5.337.819 -- 3.789.907 517.034.516 Mudharabah Financing - net
Pembiayaan musyakarah - bersih 6.458.253.169 1.294.843.666 604.104.222 240.328.977 234.133.519 8.831.663.553 Musyarakah Financing - net
Penyertaan saham - neto 347.468.837 -- -- -- -- 347.468.837 Investments in shares - net
Tagihan akseptasi - neto 35.232.665 20.237.730 -- -- 7.622.639 63.093.034 Acceptance receivables - net
Aset yang diperoleh untuk ijarah - Assets acquired for ijarah -
neto 58.730 164.322 28.675 15.625 306 267.658 net
Aset tetap - neto 2.186.096.032 391.063.453 122.303.070 40.151.787 104.234.473 2.843.848.815 Premises and equipment - net
Aset pajak tangguhan - neto 140.464.747 -- -- -- -- 140.464.747 Deferred tax assets - net
Aset lain-lain - neto 2.834.279.767 360.517.877 113.819.255 31.363.928 88.552.372 3.428.533.199 Other assets - net
Jumlah aset 50.910.758.799 4.366.260.117 1.474.784.117 619.586.499 1.527.784.787 58.899.174.319 Total assets

Liabilitas segera 1.075.044.582 3.124.688 1.835.199 573.579 2.529.266 1.083.107.314 Liabilities due immediately
Simpanan 3.832.118.536 2.631.888.150 1.007.846.405 543.602.425 1.660.972.885 9.676.428.401 Deposits
Simpanan dari bank lain 46.092.734 27.861.391 1.249.056 368.557 3.274.470 78.846.208 Deposits from other banks
Bagi hasil yang belum dibagikan 16.594.470 9.599.062 4.367.380 1.977.332 7.173.301 39.711.545 Undistributed revenue sharing
Liabilitas akseptasi 3.744.095 17.788.296 -- -- 3.738.032 25.270.423 Acceptance payables
Utang pajak 15.011.430 3.779.533 1.564.678 714.674 978.180 22.048.495 Tax payables
Efek - efek yang dijual dengan janji Securities sold under repurchase
dibeli kembali -- -- -- -- -- -- agreement
Pinjaman yang diterima 100.000.000 -- -- -- -- 100.000.000 Fund borrowings
Estimasi kerugian komitmen dan Estimated losses on commitments
kontinjensi 140.415 232.197 195.530 168.305 79.203 815.650 and contingencies
Estimated liabilities for employment
Estimasi liabilitas imbalan kerja 153.743.250 -- -- -- -- 153.743.250 benefit
Liabilitas lain-lain 251.974.245 95.239.577 9.603.264 3.777.944 14.079.780 374.674.810 Other liabilities
Jumlah liabilitas 5.494.463.757 2.789.512.894 1.026.661.512 551.182.816 1.692.825.117 11.554.646.096 Total liabilities

Bukan bank Non Bank
Giro mudharabah 1.232.095.480 526.182.253 165.694.419 53.372.694 75.278.750 2.052.623.596 Mudharabah demand deposits
Tabungan mudharabah 3.116.959.277 3.570.402.613 1.479.080.159 799.996.685 1.486.157.909 10.452.596.643 Mudharabah savings deposits
Deposito mudharabah 15.865.423.460 4.051.876.698 1.916.833.696 866.534.618 1.989.057.086 24.689.725.558 Mudharabah time deposits
Bank Bank
Giro mudharabah 30.982.019 34.462.133 23.070.713 173.213 5.465.455 94.153.533 Mudharabah demand deposits
Tabungan mudharabah 62.348.789 409.739.204 79.963.554 6.438.965 27.023.145 585.513.657 Mudharabah savings deposits
Deposito mudharabah 67.683.710 436.685.852 174.626.000 71.350.000 208.127.500 958.473.062 Mudharabah time deposits

Sukuk mudharabah 2.440.856.000 -- -- -- -- 2.440.856.000 Mudharabah sukuk
Sukuk mudharabah trust certificate 1.984.237.625 -- -- -- -- 1.984.237.625 Trust certificate mudharabah sukuk
MTN Syariah Subordinasi 100.000.000 -- -- -- -- 100.000.000 Subordinated Sharia MTN
Jumlah dana syirkah temporer 24.900.586.360 9.029.348.753 3.839.268.541 1.797.866.175 3.791.109.845 43.358.179.674 Total temporary syirkah funds
PENDAPATAN SEGMEN SEGMENT INCOME

Pendapatan dari penjualan 477.092.531 192.267.445 54.429.506 32.529.588 74.427.497 830.746.567 Income from sales
Pendapatan bagi hasil 645.425.970 169.818.281 87.756.299 29.026.629 38.038.907 970.066.086 Income from revenue sharing
Pendapatan ijarah - neto (254.731) 20.555 3.102.006 42.395 756 2.910.981 Income from ijarah - net
Pendapatan usaha utama
lainnya 335.413.234 516.126 1.145 -- 136.201 336.066.706 Other main operating income
Pendapatan operasional lainnya 317.229.978 223.514.120 15.356.583 (3.075.445) 38.791.762 591.816.998 Other operating income
Pendapatan non operasional 25.426.297 1.145.020 514.647 218.332 450.993 27.755.289 Non operating income
Jumlah pendapatan segmen 1.800.333.279 587.281.547 161.160.186 58.741.499 151.846.116 2.759.362.627 Total segment income
BEBAN SEGMEN SEGMENT EXPENSES

Hak pihak ketiga atas bagi hasil Third parties’ share on return of
dana syirkah temporer 825.813.828 284.197.549 120.353.782 57.214.776 98.936.101 1.386.516.036 temporary syirkah funds
Beban operasional 963.737.867 161.869.515 80.078.512 31.097.153 88.829.892 1.325.612.939 Operating expenses
Beban non operasional 532.311.342 (187.713.811) (102.889.708) (62.505.720) (144.482.191) 34.719.912 Non operating expenses
Beban pajak 3.586.689 -- -- -- -- 3.586.689 Tax expenses
Jumlah beban segmen 2.325.449.726 258.353.253 97.542.586 25.806.209 43.283.802 2.750.435.576 Total segment expenses
LABA (RUGI) BERSIH (525.116.447) 328.928.294 63.617.600 32.935.290 108.562.314 8.927.051 NET INCOME (LOSS)
- 117 -
43. INFORMASI SEGMEN (Lanjutan) 43. SEGMENT INFORMATION (Continued)
a. Segmen Geografis (lanjutan) a. Geographical Segment (continued)

ASET ASSETS
Kas 269.881.478 158.639.058 145.409.376 46.507.393 112.322.882 732.760.187 Cash
Giro pada bank lain - neto 465.656.209 12.618.848 704.706 791.776 13.197.140 492.968.679 Current accounts with other banks - net
Penempatan pada bank lain - neto 199.628 73.031 38.869 -- 3.158.761 3.470.289 Placements with other banks - net
Investasi pada surat berharga - Investment in marketable securities -
neto 12.170.412.237 -- -- -- -- 12.170.412.237 net
Piutang - neto 7.064.986.541 3.613.427.164 1.003.963.944 303.359.144 563.721.578 12.549.458.371 Receivables - net
Pinjaman qardh - neto 545.560.009 336.846.252 1.030.301 -- -- 883.436.562 Funds of Qardh - net
Pembayaran mudharabah - bersih 387.102.778 189.977.656 36.380.124 67.275 29.484 613.557.316 Mudharabah Financing - net
Pembiayaan musyakarah - bersih 10.557.493.271 2.061.745.415 918.615.919 446.942.325 292.778.232 14.277.575.162 Musyarakah Financing - net
Penyertaan saham - neto 407.711.237 -- -- -- -- 407.711.237 Investments in shares - net
Tagihan akseptasi - neto 112.725.030 7.882.849 2.652.683 -- 164.791 123.425.353 Acceptance receivables - net
Aset yang diperoleh untuk ijarah - Assets acquired for ijarah -
neto 2.748.942 434.417 177.522.374 291.956 623.385 181.621.075 net
Aset tetap - neto 2.794.836.480 73.653.743 64.292.806 12.118.804 40.377.113 2.985.278.945 Premises and equipment - net
Aset pajak tangguhan - neto 141.927.639 -- -- -- -- 141.927.639 Deferred tax assets - net
Aset lain-lain - neto 1.491.400.389 702.907.944 152.148.301 273.852.726 221.877.254 2.842.186.614 Other assets - net
Jumlah aset 39.248.155.784 7.158.206.377 2.502.759.403 1.083.931.399 1.248.250.620 51.241.303.583 Total assets
Liabilitas segera 87.805.858 13.742.569 6.927.350 2.749.431 8.806.233 120.031.440 Liabilities due immediately
Simpanan 3.144.860.629 2.003.183.259 838.342.406 319.309.076 1.053.518.610 7.359.213.980 Deposits
Simpanan dari bank lain 9.264.521 58.368.908 16.190.757 30.770 2.908.226 86.763.182 Deposits from other banks
Bagi hasil yang belum dibagikan 2.403.415 7.494.643 19.072.306 15.803.057 30.129.980 74.903.401 Undistributed revenue sharing
Liabilitas akseptasi 21.645.105 3.304.678 -- -- -- 24.949.783 Acceptance payables
Utang pajak 21.722.585 4.007.300 854.251 416.744 695.403 27.696.283 Tax payables
Efek - efek yang dijual dengan janji Securities sold under repurchase
dibeli kembali 1.302.038.601 -- -- -- -- 1.302.038.601 agreement
Pinjaman yang diterima 100.000.000 -- -- -- -- 100.000.000 Fund borrowings
Estimasi kerugian komitmen dan Estimated losses on commitments
kontinjensi 1.224.632 286.308 -- -- -- 1.510.940 and contingencies
Estimated liabilities for employment
Estimasi liabilitas imbalan kerja 162.441.725 -- -- -- -- 162.441.725 benefit
Liabilitas lain-lain 239.835.184 12.180.569 3.209.525 1.204.845 2.109.650 258.539.773 Other liabilities
Jumlah liabilitas 5.093.242.255 2.102.568.234 884.596.595 339.513.923 1.098.168.102 9.518.089.109 Total liabilities

Bukan bank Non Bank
Giro mudharabah 823.438.955 400.708.240 231.631.712 28.441.815 56.426.244 1.540.646.966 Mudharabah demand deposits
Tabungan mudharabah 2.896.115.993 3.107.157.623 1.586.845.299 739.530.461 1.418.809.124 9.748.458.500 Mudharabah savings deposits
Deposito mudharabah 14.657.128.967 4.444.649.446 1.561.505.577 532.079.416 1.580.566.139 22.775.929.545 Mudharabah time deposits
Bank Bank
Giro mudharabah 1.653.043 22.775.064 57.330.050 646.628 1.410.974 83.815.759 Mudharabah demand deposits
Tabungan mudharabah 36.190.990 276.681.545 143.031.797 2.907.303 27.304.216 486.115.850 Mudharabah savings deposits
Deposito mudharabah 79.330.341 649.380.397 179.211.389 78.207.318 183.715.237 1.169.844.681 Mudharabah time deposits

Sukuk mudharabah trust certificate 1.851.692.800 -- -- -- -- 1.851.692.800 Trust certificate mudharabah sukuk
MTN Syariah Subordinasi 100.000.000 -- -- -- -- 100.000.000 Subordinated Sharia MTN
Jumlah dana syirkah temporer 20.445.551.088 8.901.352.314 3.759.555.823 1.381.812.941 3.268.231.934 37.756.504.101 Total temporary syirkah funds
PENDAPATAN SEGMEN SEGMENT INCOME

Pendapatan dari penjualan 540.833.148 363.158.392 111.433.509 36.079.104 112.804.950 1.164.309.103 Income from sales
Pendapatan bagi hasil 567.026.015 215.275.453 97.432.120 44.226.573 74.238.459 998.198.620 Income from revenue sharing
Pendapatan ijarah - neto 497.650 20.071 2.444.253 31.626 31.555 3.025.155 Income from ijarah - net
Pendapatan usaha utama
lainnya 254.739.485 5.976.310 4.533.756 -- 825.016 266.074.567 Other main operating income
Pendapatan operasional lainnya 372.135.585 79.800.316 38.591.125 12.824.112 71.289.290 574.640.428 Other operating income
Pendapatan non operasional 7.437.122 3.206.608 3.291.878 1.012.955 196.162 15.144.725 Non operating income
Jumlah pendapatan segmen 1.742.669.005 667.437.150 257.726.641 94.174.370 259.385.432 3.021.392.598 Total segment income
BEBAN SEGMEN SEGMENT EXPENSES

Hak pihak ketiga atas bagi hasil Third parties’ share on return of
dana syirkah temporer 1.053.879.512 297.618.794 131.125.775 40.689.387 86.733.955 1.610.047.423 temporary syirkah funds
Beban operasional 863.180.416 209.937.250 179.984.740 42.487.942 84.217.719 1.379.808.067 Operating expenses
Beban non operasional 5.961.713 3.784.921 3.186.741 2.978.302 607.396 16.519.073 Non operating expenses
Beban pajak 4.998.296 -- -- -- -- 4.998.296 Tax expenses
Jumlah beban segmen 1.928.019.937 511.340.965 314.297.256 86.155.631 171.559.070 3.011.372.859 Total segment expenses
LABA (RUGI) BERSIH (185.350.932) 156.096.185 (56.570.615) 8.018.739 87.826.362 10.019.739 NET INCOME (LOSS)
b. Segmen Operasi b. Operating Segment
Berikut ini adalah informasi segmen operasi (tidak The operating segment information is as follows
diaudit): (unaudited):
Untuk kepentingan manajemen, Bank For management purposes, Bank organizes 5 (five)
mengelompokan ke dalam 5 (lima) segmen operating segments based on products, as follows:
operasional berdasarkan produk sebagai berikut:
• Segmen Konsumer • Consumer Segment
• Segmen Mikro-Retail • Micro-retail Segment
• Segmen SME • SME Segment
• Segmen Korporasi • Corporate Segment
• Segmen Lainnya • Others Segment
- 118 -
2021 Annual Report
43. INFORMASI SEGMEN (Lanjutan) 43. SEGMENT INFORMATION (Continued)
b. Segmen Operasi (lanjutan) b. Operating Segment (continued)

Konsumer/ Mikro-Retail/ SME/ Korporasi/ Lainnya/ Jumlah/
Consumer Micro-Retail SME Corporate Others Total
ASET ASSETS
Piutang dan Pembiayaan 3.783.983.614 2.937.047 2.787.944.904 11.466.148.349 -- 18.041.013.914 Receivable and financing
CKPN (86.821.475) (55.649) (51.267.602) (384.953.094) -- (523.097.820) Allowance for Impairment losses
Non piutang dan Non pembiayaan -- -- -- 41.381.258.225 41.381.258.225 Non receivable and non financing
Jumlah Aset 3.697.162.139 2.881.398 2.736.677.302 11.081.195.255 41.381.258.225 58.899.174.319 Total Assets
Pendanaan 42.703.970.729 -- -- 5.884.389.929 -- 48.588.360.658 Funding
Non pendanaan -- -- -- 25.270.423 10.285.543.238 10.310.813.661 Non funding
Jumlah Liabilitas 42.703.970.729 -- -- 5.909.660.352 10.285.543.238 58.899.174.319 Total Liabilities
PENDAPATAN INCOME
Pendapatan pengelolaan dana 518.706.326 1.132.295 252.557.372 863.166.470 504.227.877 2.139.790.340 Revenue from fund management
Pendapatan usaha lainnya 172.886.255 -- 10.542.396 63.881.304 360.539.724 607.849.679 Other operating income
Jumlah pendapatan segmen 691.592.581 1.132.295 263.099.768 927.047.774 864.767.601 2.747.640.019 Total segment income
BEBAN EXPENSE
Hak pihak ketiga atas bagi hasil (1.203.801.002) -- -- (160.348.984) (22.366.050) (1.386.516.036) Third parties’ share on return
Beban CKPN 30.066.166 23.337 22.152.002 91.030.431 (159.304.617) (16.032.681) Allowance for Impairment losses
Beban Usaha Lainnya (774.782.903) -- (173.750.023) (325.840.513) (51.239.500) (1.325.612.939) Other operating expenses
Jumlah beban segmen (1.948.517.739) 23.337 (151.598.021) (395.159.066) (232.910.167) (2.728.161.656) Total segment expense
Pendapatan (beban) non

operasional-neto -- -- -- -- (6.964.623) (6.964.623) Non operating income (expense) - net
Laba sebelum pajak penghasilan (1.256.925.158) 1.155.632 111.501.747 531.888.708 624.892.811 12.513.740 Income before tax
Beban pajak -- -- -- -- (3.586.689) (3.586.689) Tax expenses
Laba Neto (1.256.925.158) 1.155.632 111.501.747 531.888.708 621.306.122 8.927.051 Net Income

Konsumer/ Mikro-Retail/ SME/ Korporasi/ Lainnya/ Jumlah/
Consumer Micro-Retail SME Corporate Others Total
ASET ASSETS
Piutang dan Pembiayaan 5.563.748.732 14.497.255 3.300.061.324 20.024.036.469 -- 28.902.343.780 Receivable and financing
CKPN (95.973.899) (463.306) (41.606.246) (440.272.919) -- (578.316.370) Allowance for Impairment losses
Non piutang dan Non pembiayaan -- -- -- -- 22.917.276.173 22.917.276.173 Non receivable and non financing
Jumlah Aset 5.467.774.833 14.033.949 3.258.455.078 19.583.763.550 22.917.276.173 51.241.303.583 Total Assets
Pendanaan 39.111.458.618 -- -- 4.124.483.331 14.846.515 43.250.788.464 Funding
Non pendanaan -- -- -- 24.949.783 7.965.565.336 7.990.515.119 Non funding
Jumlah Liabilitas 39.111.458.618 -- -- 4.149.433.114 7.980.411.851 51.241.303.583 Total Liabilities
PENDAPATAN INCOME
Pendapatan pengelolaan dana 745.652.438 1.807.939 311.607.726 898.783.707 473.755.635 2.431.607.445 Revenue from fund management
Pendapatan usaha lainnya 365.983.878 -- 6.604.570 195.320.710 36.812.318 604.721.476 Other operating income
Jumlah pendapatan segmen 1.111.636.316 1.807.939 318.212.296 1.094.104.417 510.567.953 3.036.328.921 Total segment income
BEBAN EXPENSE
Hak pihak ketiga atas bagi hasil (1.255.912.467) -- -- (156.188.190) (197.946.766) (1.610.047.423) Third parties’ share on return
Beban CKPN (12.430.074) (32.389) (7.372.728) (44.578.633) -- (64.413.824) Allowance for Impairment losses
Beban Usaha Lainnya (863.396.385) (4.970.328) (108.730.554) (331.900.881) (36.477.143) (1.345.475.291) Other operating expenses
Jumlah beban segmen (2.131.738.926) (5.002.717) (116.103.282) (532.667.704) (234.423.909) (3.019.936.538) Total segment expense
Pendapatan (beban) non

operasional-neto -- -- -- -- (1.374.348) (1.374.348) Non operating income (expense) - net
Laba sebelum pajak
penghasilan (1.020.102.610) (3.194.778) 202.109.014 561.436.713 274.769.696 15.018.035 Income before tax
Beban pajak -- -- -- -- (4.998.296) (4.998.296) Tax expenses

Laba Neto (1.020.102.610) (3.194.778) 202.109.014 561.436.713 269.771.400 10.019.739 Net Income
Bank tidak menyajikan informasi segmen berdasarkan The Bank does not present business segment information
segmen usaha, karena Bank menjalankan usaha other than banking segment, since the Bank engages
sebagai bank umum syariah dan tidak memiliki mainly in sharia banking activities and has no other
kegiatan usaha diluar sektor perbankan. significant activities other than banking.
- 119 -
44. J A M I N A N PEMERINTAH TERHADAP 44. GOVERNMENT GUARANTEES ON OBLIGATIONS

KEWAJIBAN PEMBAYARAN BANK UMUM OF COMMERCIAL BANKS
Berdasarkan Undang-undang No. 24 tanggal Pursuant to Law No. 24, dated September 22, 2004,
22 September 2004, efektif sejak tanggal effective September 22, 2005, as amended with
22 September 2005, sebagaimana diubah dengan Regulation of the Government of the Republic of
Peraturan Pemerintah Pengganti Undang-undang Indonesia in Lieu of Law No. 3 dated October 13,
Republik Indonesia No. 3 tanggal 13 Oktober 2008, 2008, the Government established the Indonesia
Lembaga Penjaminan Simpanan (LPS) dibentuk untuk Deposit Insurance Corporation (LPS) to guarantee
menjamin kewajiban tertentu bank-bank umum certain liabilities of commercial banks based on the
berdasarkan program penjaminan yang berlaku, yang prevailing guarantee programs, in which the
besaran nilai jaminannya dapat berubah jika guaranteed amount may change if they meet certain
memenuhi kriteria tertentu yang berlaku. specified criteria.
Berdasarkan Peraturan LPS No. 2 tanggal Based on LPS Regulation No. 2 dated November 25,
25 November 2010, simpanan yang dijamin meliputi 2010, the deposits guaranteed shall include demand
giro, deposito berjangka, sertifikat deposito, tabungan deposits, time deposits, certificates of deposits,
dan simpanan dari bank lain. savings deposits and deposits from other banks.
Berdasarkan Peraturan Pemerintah Republik Pursuant to Regulation of the Government of the

Indonesia No. 66 tahun 2008 tanggal 13 Oktober Republic of Indonesia No. 66 of 2008, dated
2008, tentang “Besarnya Nilai Simpanan yang Dijamin October 13, 2008, regarding “the Amount of Public
Lembaga Penjaminan Simpanan”, maka pada Savings Guaranteed by the Indonesia Deposit
tanggal-tanggal 31 Desember 2021 dan 2020, Insurance Corporation”, as of December 31, 2021 and
jumlah simpanan yang dijamin LPS adalah simpanan 2020, the amount of savings guaranteed by LPS is
sampai dengan Rp2.000.000.000 (dalam nilai penuh) amounting to Rp2,000,000,000 (in full amount) for
untuk per nasabah per bank. Pada tanggal-tanggal each customer, each bank. As of December 31, 2021
31 Desember 2021 dan 2020, Bank adalah peserta and 2020, the Bank is a participant of the government
dari program penjaminan tersebut. guarantee program.
Beban penjaminan dana pihak ketiga yang dijaminkan Insurance premium related to third party funds paid
kepada Lembaga Penjaminan Simpanan (LPS) adalah to the Indonesia Deposit Insurance Corporation (LPS)
Rp81.048.640 dan Rp73.726.039 masing-masing amounted to Rp81,048,640 and Rp73,726,039 for the
untuk tahun yang berakhir pada tanggal 31 Desember years ended December 31, 2021 and 2020,
2021 dan 2020 (Catatan 35). respectively (Note 35).
45. MANAJEMEN RISIKO 45. RISK MANAGEMENT
Bank dalam menjalankan usahanya senantiasa The Bank’s business is constantly exposed to various
dihadapkan pada berbagai risiko. Seiring dengan risks. At the course of the development of the Bank's
berkembangnya bisnis Bank, risiko yang dihadapi business, risks encountered by the Bank become
Bank menjadi semakin kompleks. Bank dituntut untuk increasingly complex. Bank is required to implement
mampu menerapkan manajemen risiko yang handal a reliable risk management in order to adapt to the
agar dapat beradaptasi dengan kompleksitas kegiatan complexity of the business. The principles of risk
usaha tersebut. Prinsip-prinsip manajemen risiko yang management practices should be implemented to
diterapkan harus dapat mendukung Bank untuk lebih support the Bank to be more prudent in the rapid
berhati-hati seiring dengan perkembangan kegiatan development of business activities and banking
usaha dan operasional perbankan yang sangat pesat. operations.
Penerapan manajemen risiko di Bank berpedoman The Bank’s risk management implementation is based
pada Peraturan Bank Indonesia (PBI) tentang on Regulation of Bank Indonesia (PBI) regarding
Penerapan Manajemen Risiko Bagi Bank Umum Implementation of risk management in Sharia Bank
Syariah dan Unit Usaha Syariah dan dokumen dari and Sharia Business Unit and documents of Basel
Basel Committee on Banking Supervision (BCBS). Committee on Banking Supervision (BCBS).
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2021 Annual Report
45. MANAJEMEN RISIKO (Lanjutan) 45. RISK MANAGEMENT (Continued)
Ruang lingkup manajemen risiko di Bank meliputi: Scope of risk management of the Bank covers:
1. Pengawasan aktif Dewan Komisaris dan Dewan 1. Active supervisory of Board of Commissioners and
Direksi, termasuk Dewan Pengawas Syariah Board of Directors, including Sharia Supervisory
sebagai bagian dari tata kelola risiko; Boards as part of risk governance;
2. Kecukupan kebijakan, pedoman dan penetapan 2. Adequacy of policy, procedure and determination
limit risiko; of risk limit;
3. Kecukupan proses manajemen risiko yang 3. Adequacy of risk management process that
mencakup identifikasi, pengukuran, pemantauan, includes identification, measurement, monitoring
dan pengendalian risiko; kecukupan sumber daya and control of risk; adequacy of human resources
manusia baik secara kuantitas maupun kualitas, in both quantity and quality, as well as adequacy
serta kecukupan sistem informasi manajemen of risk management information system; and
risiko; dan
4. Kecukupan sistem pengendalian risiko yang 4. Adequacy of risk control system that includes
mencakup pengendalian internal oleh unit internal internal control by the internal audit unit and
audit dan Anti Fraud Team. Anti-Fraud Team.
Penerapan manajemen risiko tidak dapat dilaksanakan Risk management implementation cannot be carried
tanpa adanya kesadaran risiko pada seluruh lapisan out without the risk awareness at every level of
manajemen dan karyawan Bank. Kampanye sadar Management and employees of the Bank. Risk
risiko dimulai dari Dewan Komisaris dan Dewan awareness campaign is initiated by the Board of
Direksi yang berperan aktif menjadi motor penggerak Commissioners and the Board of Directors who
bagi kualitas penerapan manajemen risiko Bank. participate actively in driving employees engagement
Peran aktif Dewan Komisaris dan Direksi dalam in implementing the Bank’s quality risk management.
manajemen risiko dilakukan antara lain melalui The active role of the Boards of Commissioners and
Komite Pemantau Risiko (komite level Dewan Directors is conducted through the Risk Oversight
Komisaris) dan Komite Manajemen Risiko (komite Committee (committee at the level of the Board of
level Direksi). Komite-komite tersebut secara rutin Commissioners) and the Risk Management Committee
melaksanakan rapat untuk membahas mengenai profil (committee at the level of the Board of Directors).
risiko dan manajemen risiko yang harus dilakukan These Committees regularly hold meetings to discuss
oleh Bank. the Bank’s risk profile and risk management.
Pelaksanaan manajemen risiko melibatkan seluruh The implementation of risk management engages
unsur dalam organisasi mulai dari Manajemen hingga every element at every level of the organization,
karyawan pelaksana. Seluruh unsur tersebut berperan starting from the Management to executive
aktif dalam konteks 'tiga lini pertahanan' manajemen employees. All elements are active in the context of
risiko seperti di bawah ini: the “three lines of defense” of risk management, as
follows:
1. Lini pertahanan pertama. Garis pertahanan 1. First line of defense. The first line of defense
pertama berisi unit kerja pengambil dan pemilik includes the business units and supporting units
risiko yang melaksanakan fungsi bisnis dan unit as risk taker or risk owner, which in daily
kerja pendukung. Unit kerja tersebut dalam activities, deal directly with various types and
melaksanakan aktivitas hariannya berhadapan possible risk faced by the Bank. All functions in
langsung dengan berbagai jenis dan the first line of defense are responsible for
kemungkinan risiko yang dihadapi Bank. Seluruh identifying and mitigating the risk inherent in
fungsi pada garis pertahanan pertama each product, activity, process, and system;
bertanggung jawab dalam mengidentifikasi dan
mengelola risiko yang melekat pada setiap
produk, kegiatan, proses dan sistem yang
dijalankan;
2. Lini pertahanan kedua. Garis pertahanan kedua 2. Second line of defense. In the second line of
terdiri dari unit kerja manajemen risiko, defense, there are risk management, compliance
kepatuhan dan hukum. Unit kerja manajemen and legal units. The risk management work unit
risiko bertanggung jawab atas pengembangan is responsible for the development and
dan pelaksanaan strategi manajemen risiko, implementation of risk management strategies,
pemeliharaan dan pengembangan berkelanjutan the maintenance and continuous development of
dari kerangka pengelolaan risiko dan memberikan risk management framework, and to provide
masukan serta arahan kepada unit kerja bisnis input and direction to business units and
dan unit kerja pendukung mengenai proses supporting units regarding Bank's processes for
pengelolaan risiko, pengukuran risiko dan sistem risk management, risk measurement and
pelaporan bank; dan reporting systems; and
- 121 -
Pelaksanaan manajemen risiko melibatkan seluruh The implementation of risk management engages
unsur dalam organisasi mulai dari Manajemen hingga every element at every level of the organization,
karyawan pelaksana. Seluruh unsur tersebut berperan starting from the Management to executive
aktif dalam konteks 'tiga lini pertahanan' manajemen employees. All elements are active in the context of
risiko seperti di bawah ini: (lanjutan) the “three lines of defense” of risk management, as
follows: (continued)
3. Lini pertahanan ketiga. Pada garis ketiga 3. Third line of defense. In the third line of defense
pertahanan berisi unit internal audit. Internal there is the internal audit unit, which functions as
audit berfungsi sebagai unit independen yang an independent unit that performs risk-based
bertugas melakukan risk-based audit yang audit activities and provides added value to the
memberikan nilai tambah kepada lini pertahanan first and second lines of defense, in order to
pertama dan lini pertahanan kedua, untuk ensure that all elements at the Bank have carried
memastikan bahwa seluruh elemen Bank telah out their functions and responsibilities properly,
melaksanakan fungsi dan tanggung jawabnya including ensuring the compliance with Bank
dengan baik termasuk memastikan kesesuaian Muamalat's management policy and applicable
dengan kebijakan manajemen Bank Muamalat regulation.
dan regulasi yang berlaku.
Ketiga lini pertahanan merupakan satu kesatuan yang The three lines of defense are an integral and
tidak terpisahkan untuk terciptanya penerapan inseparable part in creating quality, effective and
manajemen risiko yang berkualitas, berjalan dengan optimal risk management implementation.
efektif dan optimal.
Untuk memastikan pertumbuhan bisnis yang To ensure sustainable business growth, as well as
berkesinambungan serta memberikan nilai tambah provide added value to stockholder and shareholders,
secara jangka panjang kepada pemegang saham the Bank implements risk management that consists
maupun pemangku kepentingan lainnya, Bank of ten types of risks as referred to in the Regulation
menerapkan pendekatan yang menyeluruh terhadap of Financial Services Authority No. 65/POJK.03/2016,
sepuluh jenis risiko sesuai Peraturan Otoritas Jasa dated December 28, 2016 concerning the
Keuangan No.65/POJK.03/2016 tanggal 28 Desember Implementation of risk management in Sharia
2016 tentang Penerapan Manajemen Risiko bagi Bank Commercial Bank and Sharia Business Units.
Umum Syariah dan Unit Usaha Syariah.
a. Risiko Kredit (Pembiayaan) a. Credit (Financing) Risk
Risiko kredit dalam pembiayaan terkait dengan Credit risks in financing are relevant to the ability
kemampuan nasabah untuk memenuhi of the debtor to repay the loans in accordance
kewajibannya sesuai akad atau perjanjian yang with the contract between Bank and debtor. The
telah ditetapkan antara Bank dan nasabah. inability of debtors to repay the loans extended
Semakin besar porsi pembiayaan yang bermasalah would result in an increase in the provision for
karena menurunnya kemampuan nasabah dalam financing losses and thereby reduce Bank's profit.
membayar kembali kewajibannya ke Bank,
semakin besar pula kebutuhan biaya pencadangan
yang harus dibentuk Bank dan berpengaruh pada
keuntungan Bank.
Dalam melakukan pengelolaan risiko kredit Bank In managing credit risk the Bank has conducted
telah melakukan beberapa perbaikan, baik dalam several improvements, by accelerating bad bank
hal percepatan penyelesaian bad bank, penjagaan settlement, maintaining good bank quality and
kualitas good bank dan pertumbuhan new bank. new bank growth. Some of the improvements that
Beberapa di antara perbaikan yang telah dilakukan have been made by the Bank include:
oleh Bank meliputi:
1. Mempercepat penyelesaian pembiayaan 1. Accelerating non-performing financing
bermasalah melalui antara lain: settlement, among others:
a. Menyelesaikan aksi korporasi pengalihan a. restructuring of financing affected by
aset berkualitas rendah atau asset sale; COVID-19 in accordance with applicable
regulatory provisions
b. Melakukan penyelesaian NPF dengan fokus b. Conducting NPF settlement with a focus on
pada eksesusi jaminan melalui lelang oleh surcharge exemption through auction by
balai lelang swasta; private auction halls;
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2021 Annual Report
a. Risiko Kredit (Pembiayaan) (lanjutan) a. Credit (Financing) Risk (continued)
1. Mempercepat penyelesaian pembiayaan 1. Accelerating non-performing financing

bermasalah melalui antara lain: (lanjutan) settlement, among others: (continued)
c. Menampilkan asset yang akan dilelang c. Displaying the assets to be auctioned
melalui website eksternal Bank; through the Bank's external website;
d. Membentuk Internal Data Storage d. Establishing Internal Data Storage
Management (IDSM) guna mempercepat Management (IDSM) to speed up retrieval of
pengambilan softcopy dokumen saat softcopy documents when needed;
dibutuhkan;
e. Optimalisasi ISAM Auction Tracker untuk e. Optimizing the ISAM Auction Tracker to
memantau proses dan jumlah lelang; monitor the process and number of
auctions;
f. Menggunakan agensi telemarketing untuk f. Using a telemarketing agency to speed up
mempercepat proses collection. the collection process.
2. Melakukan pemantauan Pembiayaan 2. Monitoring non-performing financing

bermasalah secara konsisten, melalui: consistently by:
a. Implementasi watchlist segmen Wholesale a. Implementing watchlist in Wholesale and
dan Retail; Retail segment;
b. Pemantauan harian dan post booking b. Daily monitoring and post booking review;
review;
c. Membangun Risk Data Analytics yang berisi c. Building Risk Data Analytics containing
laporan akuisisi pembiayaan dan laporan financing acquisition reports and financing
kinerja pembiayaan; performance reports;
d. Annual review dan quarterly covenant d. Conducting annual review dan quarterly
checking; covenant checking;
3. Mengembangkan program new bank pada 3. Developing new bank programs in the Retail
segmen Retail yang diimplementasikan melalui segment implemented through financing
program pembiayaan antara lain: programs, including:
a. Program Pembiayaan Haji dan Umroh a. Hajj and Umrah Financing Program
(Pro Hajj); (Pro Hajj);
b. Kredit Pemilikan Rumah (KPR) Hijrah; b. Home Ownership Credit (KPR) Hijrah;
c. Multiguna. c. Multipurpose.
4. Menginisiasi pengembangan robotic processing 4. Initiating the development of Robotic

agent (RPA) berupa aplikasi robotic untuk Processing Agent (RPA) in the form of robotic
percepatan proses pengajuan hingga akad applications to accelerate the submission
dengan target SLA selama 3 (tiga) hari, process to the agreement with an SLA target
dilakukan dengan inisiatif yang terdiri dari: for 3 (three) days, carried out with an initiative
consisting of:
a. ProHajj Digital RPA; a. ProHajj Digital RPA;
b. ProHajj Digital e-Akad; b. ProHajj Digital e-Akad;
c. Inisiasi e-form mobile banking M-DIN. c. Initiation of E-form mobile banking M-DIN.
5. Meningkatkan proses pembiayaan melalui 5. Improving the financing process through FOS
aplikasi FOS (Financing Origination System) (Financing Origination System) Phase 2, for
Phase 2, untuk produk Multiguna bagi Multipurpose products for employees, and FOS
karyawan, dan pengembangan FOS Phase 2B Phase 2B development for the SME segment;
untuk segmen SME;
6. Menjalin sinergi dengan beberapa organisasi 6. Establishing synergies with several Islamic
Islam untuk meningkatkan literasi keuangan organizations to improve sharia literacy
syariah termasuk menumbuhkan pembiayaan including growing funding in both Retail and
baik di segmen Retail maupun Corporate. Corporate segments.
7. Mengimplementasikan Internal Quality 7. Implementing Internal Quality Assurance in the

Assurance pada segmen Retail sebagai Retail segment as a foundation for
landasan perbaikan proses internal dan proses improvement of internal processes and overall
pembiayaan secara keseluruhan; financing processes;
- 123 -
8. Mengembangkan strategi bisnis yang di 8. Developing the business strategy by

dalamnya termasuk menetapkan target market establishing target market and risk acceptance
dan risk acceptance criteria pada sektor industri criteria in certain industrial business sectors and
atau usaha tertentu, dan melakukan perbaikan improving the financing process;
proses pembiayaan;
9. Melakukan review/ kaji ulang terhadap 9. Reviewing internal policies or financing
ketentuan internal atau produk/program products/programs;
pembiayaan;
10. Terkait dengan pandemi COVID-19: 10. Related to COVID-19 pandemic:
a. Melaksanakan restrukturisasi pembiayaan a. Carrying out restructuring of financing
terdampak COVID-19 pada segmen affected by COVID-19 in Wholesale and
Wholesale dan Retail sesuai ketentuan Retail segment in accordance with
regulator yang berlaku; applicable regulatory provisions;
b. Melakukan stress test pembiayaan terkait b. Conducting bankwide financing stress
dampak COVID-19 secara bankwide untuk test related to the impact of COVID-19 to
dilaporkan kepada regulator dan Direksi. report to the regulator and Board of
Directors.
(i) Kualitas aset keuangan (i) Financial assets quality
Tabel di bawah menunjukkan kualitas aset The table below shows financial assets quality
keuangan berdasarkan golongan aset untuk per class of assets for all financial assets
semua aset keuangan yang mempunyai risiko exposed to financing risk (gross of allowance
pembiayaan (diluar cadangan kerugian for impairment losses) (unaudited):
penurunan nilai) (tidak diaudit):
Belum jatuh tempo atau tidak Telah jatuh

mengalami penurunan nilai/ tempo tetapi
Neither past due nor impaired tidak mengalami
Mengalami
penurunan nilai/
Tingkat tinggi/ Tingkat standar/ penurunan
Past-due but not
High grade Standard grade nilai/ Jumlah/
impaired
Impaired Total
ASET ASSETS
Bank Indonesia 6.502.230.839 -- -- -- 6.502.230.839 with Bank Indonesia
bank lain 401.179.705 -- -- 418.830 401.598.535 with other banks
Investasi pada surat berharga 26.925.985.511 -- -- 9.975.000 26.935.960.511 Investments in marketable securities
Piutang murabahah 4.277.070.706 1.780.040.238 1.616.918.461 26.616.110 7.700.645.515 Murabahah receivable
Piutang istishna 1.702.215 -- -- -- 1.702.215 Istishna receivable
Piutang ijarah -- -- -- 1.096.729 1.096.729 Ijarah receivable
Pinjaman qardh 497.879.970 136.045.498 55.243.858 -- 689.169.326 Funds of qardh
Pembiayaan mudharabah 516.773.851 1.543.994 7.822.124 -- 526.139.969 Mudharabah financing
Pembiayaan musyarakah 4.438.569.918 1.660.286.720 2.949.879.860 73.657.622 9.122.394.120 Musyarakah financing
Penyertaan saham -- 407.711.237 -- -- 407.711.237 Investment in shares
Tagihan akseptasi -- 33.877.606 -- 93.569.163 127.446.769 Acceptance receivables
Aset lain-lain *) -- 140.047.892 -- -- 140.047.892 Other assets*)
Jumlah 43.561.392.715 4.159.553.185 4.629.864.303 205.333.454 52.556.143.657 Total
Belum jatuh tempo atau tidak Telah jatuh

mengalami penurunan nilai/ tempo tetapi
Neither past due nor impaired tidak mengalami
Mengalami
penurunan nilai/
Tingkat tinggi/ Tingkat standar/ penurunan
Past-due but not
High grade Standard grade nilai/ Jumlah/
impaired
Impaired Total
ASET ASSETS
Bank Indonesia 2.835.513.916 -- -- -- 2.835.513.916 with Bank Indonesia
bank lain 496.438.970 -- -- 587.273 497.026.243 with other banks
Investasi pada surat berharga 12.170.412.237 -- -- 14.975.000 12.185.387.237 Investments in marketable securities
Piutang murabahah 5.717.717.602 2.393.046.337 4.147.879.317 622.168.203 12.880.811.459 Murabahah receivable
Piutang istishna 1.835.598 -- 16.102.812 -- 17.938.410 Istishna receivable
Piutang ijarah -- 2.858.457 8.873 3.843.060 6.710.390 Ijarah receivable
Pinjaman qardh 385.405.455 113.615.992 267.660.497 131.650.531 898.332.475 Funds of qardh
Pembiayaan mudharabah 398.616.829 5.786.966 203.101.631 12.569.940 620.075.366 Mudharabah financing
Pembiayaan musyarakah 3.728.322.867 3.070.880.600 7.119.244.348 560.027.867 14.478.475.682 Musyarakah financing
Penyertaan saham -- 407.711.237 -- -- 407.711.237 Investment in shares
Tagihan akseptasi -- 125.809.138 -- -- 125.809.138 Acceptance receivables
Aset lain-lain *) -- 324.280.316 -- -- 324.280.316 Other assets*)
Jumlah 25.734.263.474 6.443.989.043 11.753.997.478 1.345.821.874 45.278.071.869 Total
*) Aset lain-lain terdiri atas piutang pendapatan yang masih akan diterima, *) Other assets consist of income receivables, funds with PT Pos
penempatan pada PT Pos Indonesia (Persero), setoran jaminan dan Indonesia (Persero), security deposits and other receivables.
tagihan lain-lain.
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2021 Annual Report
Kualitas pembiayaan didefinisikan sebagai Financing quality is defined as follows:

berikut:
Tingkat tinggi High grade
(a) Giro dan penempatan pada Bank Indonesia, (a) Current accounts and placements with Bank
dan giro dan penempatan pada bank lain Indonesia, and current accounts and
yaitu giro atau penempatan pada institusi placements with other banks represent
Pemerintah, institusi Pemerintah Daerah, current accounts or placements with
bank yang terdaftar di bursa serta transaksi Government Institutions, Regional
dengan bank yang memiliki reputasi baik Government institutions, banks listed in the
dengan tingkat kemungkinan gagal bayar stock exchange and transaction with
atas kewajiban yang rendah. reputable banks with low probability of
insolvency.
(b) Investasi pada surat berharga yaitu surat (b) Investments in marketable securities
berharga yang diterbitkan oleh Pemerintah, represent securities issued by Government
efek-efek dan obligasi yang termasuk dalam and investment grade securities and bonds
investment grade dengan rating minimal with a rating of at least idBBB (Pefindo),
idBBB (Pefindo), BBB+ (S&P), Baa1 BBB+ (S&P), Baa1 (Moody’s) or BBB+
(Moody’s) atau BBB+ (Fitch). (Fitch).
(c) Pembiayaan, piutang dan pinjaman yaitu (c) Financing, receivables and loans represent
pembiayaan, piutang dan pinjaman kepada financing, receivables and loans to debtors
debitur dengan riwayat pembayaran yang with very satisfactory track record of
sangat baik dan tidak pernah menunggak financing repayment and whose accounts
sepanjang jangka waktu pembiayaan; did not turn as due during the term of the
debitur dengan riwayat tidak pernah financing; debtors whose accounts have
direstrukturisasi; debitur dengan tingkat never been restructured; debtors with high
stabilitas dan keragaman yang tinggi, degree of stability and diversity, having
memiliki akses setiap saat untuk access to raise substantial amounts of funds
memperoleh pendanaan dalam jumlah besar through public market at any time, having
dari pasar terbuka, memiliki kemampuan very strong debt service capacity and
membayar yang kuat dan rasio-rasio neraca conservative balance sheet ratios.
yang konservatif.
(d) Aset lain-lain yaitu piutang kepada (d) Other assets represent receivables from the
Pemerintah (termasuk Bank Indonesia) atau Government (including Bank Indonesia) or
Pemerintah Daerah seperti piutang Regional Government such as accrued
pendapatan yang masih akan diterima. income receivables.
(e) Penyertaan saham yaitu penyertaan pada (e) Investments in shares represent investments
perusahaan yang terdaftar pada Bursa dan in companies that are listed in the Stock
memiliki tingkat kinerja keseluruhan yang Exchange and that have good performance
baik. as a whole.
(f) Tagihan akseptasi yaitu tagihan kepada (f) Acceptance receivables represent receivables
pihak ketiga yang belum jatuh tempo, dan from third parties that have not yet
memiliki kapasitas finansial yang kuat dalam matured, and have a strong financial
hal pembayaran kembali seluruh capacity in terms of repayment of all
kewajibannya secara tepat waktu. obligations in time.
- 125 -
Tingkat standar Standard grade
(a) Giro dan penempatan pada bank lain yaitu (a) Current accounts and placements with
giro atau penempatan pada bank yang tidak other banks represent current accounts or
terdaftar di bursa. placements with non-listed banks.
(b) Investasi pada surat berharga yaitu surat (b) Investments in marketable securities
ber h ar ga yan g t ermasuk dalam represent non-investment grade securities
non-investment grade dengan rating with a rating of at least idBB (Pefindo),
minimal idBB (Pefindo), BBB- (S&P), Baa3 BBB-(S&P), Baa3 (Moody’s) or BBB-
(Moody’s) atau BBB- (Fitch). (Fitch).
(c) Pembiayaan, piutang dan pinjaman yaitu (c) Financing, receivables and loans represent
pembiayaan, piutang dan pinjaman kepada financing, receivables and loans to debtors
debitur dengan riwayat pembayaran yang with an average track record of financing
baik; debitur dengan riwayat pernah repayment; debtors whose accounts have
direstrukturisasi, akses terbatas untuk been restructured, having limited access
memperoleh pendanaan dalam jumlah besar to raise substantial amounts of funds
dari pasar terbuka, tingkat pendapatan dan through public market, having volatility of
kinerja keseluruhan tidak stabil, memiliki earnings and overall performance, having
kemampuan membayar yang cukup. adequate debt service capacity.
(d) Aset lain-lain yaitu aset keuangan lainnya (d) Other assets represent financial assets
selain piutang pendapatan yang masih akan other than income receivables from the
diterima kepada Pemerintah atau Government or Regional Government such
Pemerintah Daerah seperti tagihan as other receivables to third parties.
rupa-rupa kepada pihak ketiga lainnya.
(e) Penyertaan saham yaitu penyertaan pada (e) Investm en ts in s h ar es represent

perusahaan yang tidak terdaftar pada Bursa investments in companies that are not
dan memiliki tingkat kinerja keseluruhan listed in the Stock Exchange and that have
yang baik. good performance as a whole.
(f) Tagihan akseptasi yaitu tagihan kepada (f) Acceptance receivables are receivables
pihak ketiga yang belum jatuh tempo, dan from third parties that have not yet
memiliki kapasitas finansial yang memadai. matured and have adequate financial
capacity.
Berdasarkan PSAK 60, aset keuangan yang telah In accordance with SFAS 60, financial asset is
jatuh tempo ditentukan ketika debitur gagal due when the repayment is default. The table
melakukan pembayaran sesuai jadwal. Tabel di below shows aging analysis of financing,
bawah menunjukkan aging analysis terhadap receivables and loans that are past-due but not
pembiayaan, piutang dan pinjaman yang impaired (unaudited):
diberikan yang telah jatuh tempo tetapi tidak
mengalami penurunan nilai (tidak diaudit):

 30 hari / 31 - 60 hari/ 61 - 90 hari/ Jumlah/
days days days Total
Piutang murabahah 79.199.207 74.785.005 1.462.934.249 1.616.918.461 Murabahah receivables

Piutang istishna -- -- -- -- Istishna receivable
Piutang ijarah -- -- -- -- Ijarah receivables
Pinjaman qardh -- -- 55.243.858 55.243.858 Funds of qardh
Pembiayaan mudharabah 3.389.886 -- 4.432.238 7.822.124 Mudharabah financing
Pembiayaan musyarakah 1.914.587 37.269.799 2.910.695.474 2.949.879.860 Musyarakah financing
Jumlah 84.503.680 112.054.804 4.433.305.819 4.629.864.303 Total
- 126 -
2021 Annual Report
Kualitas pembiayaan didefinisikan sebagai Financing quality is defined as follows:

berikut: (lanjutan) (continued)
Tingkat standar (Lanjutan) Standard grade (Continued)

 30 hari / 31 - 60 hari/ 61 - 90 hari/ Jumlah/
days days days Total
Piutang murabahah 4.145.717.920 1.313.862 847.535 4.147.879.317 Murabahah receivables

Piutang istishna 16.102.812 -- -- 16.102.812 Istishna receivable
Piutang ijarah -- -- 8.873 8.873 Ijarah receivables
Pinjaman qardh 267.660.497 -- -- 267.660.497 Funds of qardh
Pembiayaan mudharabah 203.101.631 -- -- 203.101.631 Mudharabah financing
Pembiayaan musyarakah 7.112.909.694 15.888 6.318.766 7.119.244.348 Musyarakah financing
Jumlah 11.745.492.554 1.329.750 7.175.174 11.753.997.478 Total
(ii) Analisa konsentrasi risiko (ii) Risk concentration analysis

(a) Sektor geografis (a) Geographical sectors
Tabel berikut menggambarkan rincian The following table shows the details of
eksposur pembiayaan yang financing exposures categorized by
dikategorikan berdasarkan wilayah geographic area as of December 31,
geografis pada tanggal 31 Desember 2021 and 2020. Geographic grouping is
2021 dan 2020. Pengelompokan based on the Bank’s business operations
wilayah geografis berdasarkan tempat which also illustrates the business
beroperasinya bisnis Bank yang potential of each region (unaudited):
sekaligus menggambarkan potensial
bisnis wilayah masing-masing (tidak
diaudit):

ASET ASSETS
bank lain 363.938.313 12.781.421 10.437.370 -- 14.441.431 401.598.535 with other banks
Investasi pada surat Investments in marketable
berharga 26.935.960.511 -- -- -- -- 26.935.960.511 securities
Piutang murabahah 4.413.743.509 1.689.757.671 499.542.381 268.492.482 829.109.472 7.700.645.515 Murabahah receivable
Piutang istishna -- 1.218.889 -- -- 483.326 1.702.215 Istishna receivable
Piutang ijarah 209.382 596.156 74.628 -- 216.563 1.096.729 Ijarah receivable
Piutang qardh 236.227.322 296.392.828 12.892.816 5.170.379 138.485.981 689.169.326 Funds of qardh
Pembiayaan mudharabah 381.393.467 135.512.980 5.391.737 -- 3.841.785 526.139.969 Mudharabah financing
Pembiayaan musyarakah 6.692.672.782 1.321.702.425 618.478.226 250.174.424 239.366.263 9.122.394.120 Musyarakah financing
Penyertaan saham 407.711.237 -- -- -- -- 407.711.237 Investment in shares
Tagihan akseptasi 97.962.809 21.861.321 -- -- 7.622.639 127.446.769 Acceptance receivables
Aset lain-lain *) 138.144.820 1.232.293 242.116 150.000 278.663 140.047.892 Other assets*)
Jumlah 46.170.194.991 3.481.055.984 1.147.059.274 523.987.285 1.233.846.123 52.556.143.657 Total
Cadangan kerugian penurunan Allowance for impairment

nilai (675.694.453) losses
Bersih 51.880.449.204 Net
Rekening Administratif Administrative Accounts

Fasilitas pembiayaan yang
belum digunakan 66.613.310 16.953.650 2.095.332 -- 18.231.793 103.894.085 Unused financing facility
SKBDN yang diterbitkan 5.738.598 9.124.866 -- -- -- 14.863.464 Domestic Letters of Credit issued
Fasilitas L/C yang masih
berjalan 2.703.920 -- -- -- -- 2.703.920 Outstanding L/C
Bank garansi yang diterbitkan 21.187.022 19.983.332 8.216.000 18.252.627 11.984.705 79.623.686 Bank guarantees issued
Jumlah 96.242.850 46.061.848 10.311.332 -- 30.216.498 201.085.155 Total
- 127 -
(ii) Analisa konsentrasi risiko (lanjutan) (ii) Risk concentration analysis (continued)
(a) Sektor geografis (lanjutan) (a) Geographical sectors (continued)
ASET ASSETS
bank lain 450.378.810 26.466.336 6.760.260 773.859 12.646.978 497.026.243 with other banks
Investments in marketable
Investasi pada surat berharga 4.185.387.237 -- -- -- 8.000.000.000 12.185.387.237 securities
Piutang murabahah 7.273.615.134 3.518.161.719 840.695.592 314.665.909 933.673.105 12.880.811.459 Murabahah receivable
Piutang istishna 17.938.410 17.938.410 Istishna receivable
Piutang ijarah 41.228 4.574 6.643.915 5.002 15.671 6.710.390 Ijarah receivable
Piutang qardh 316.001.411 582.311.079 19.985 898.332.475 Funds of qardh
Pembiayaan mudharabah 250.221.414 355.381.319 13.364.403 1.039.457 68.773 620.075.366 Mudharabah financing
Pembiayaan musyarakah 10.436.321.057 2.300.306.124 960.066.380 461.369.071 320.413.050 14.478.475.682 Musyarakah financing
Penyertaan saham 407.711.237 -- -- -- -- 407.711.237 Investment in shares
Tagihan akseptasi 80.575.217 24.356.350 20.877.571 125.809.138 Acceptance receivables
Aset lain-lain *) 121.555.395 122.961.783 42.647.297 11.208.037 25.907.803 324.280.316 Other assets*)
Jumlah 26.357.322.057 6.947.887.694 1.891.075.403 789.061.335 9.292.725.380 45.278.071.869 Total

nilai (596.262.430) losses
Bersih 44.681.809.439 Net

Fasilitas pembiayaan yang
belum digunakan 99.876.817 5.101.276 393.708 -- 3.425.707 108.797.508 Unused financing facility
SKBDN yang diterbitkan 40.043.999 13.951.752 876.919 -- -- 54.872.670 Domestic Letters of Credit issued
Fasilitas L/C yang masih
berjalan 1.645.882 2.379.379 930.262 -- -- 4.955.523 Outstanding L/C
Bank garansi yang diterbitkan 75.343.481 27.539.673 4.570.041 -- 2.260.805 109.714.000 Bank guarantees issued
Jumlah 216.910.179 48.972.080 6.770.930 -- 5.686.512 278.339.701 Total
*) Aset lain-lain terdiri atas piutang pendapatan yang masih akan diterima, *) Other assets consist of income receivables, funds with PT Pos Indonesia
penempatan pada PT Pos Indonesia (Persero), setoran jaminan dan (Persero), guarantee deposits and other receivables
tagihan lain-lain
(b) Sektor industri (b) Industrial sectors
Tabel berikut menggambarkan rincian The following table provides the details of
eksposur pembiayaan pada nilai tercatat the financing exposure at the carrying
yang dikategorikan berdasarkan sektor amounts categorized by industrial sector as
industri pada tanggal-tanggal 31 Desember of December 31, 2021 and 2020
2021 dan 2020 (tidak diaudit): (unaudited):
31 Desember / December 31,, 2021
Bank dan
Pemerintah lembaga
(termasuk Bank keuangan
Indonesia)/ lainnya/
Government Banks and other Perusahaan
(including Bank financial lainnya/ Perseorangan/ Jumlah/
Indonesia) institutions Other companies Individuals Total
ASET ASSETS
Giro dan penempatan pada Bank Current accounts and placements with Bank
Indonesia 6.502.230.839 -- -- -- 6.502.230.839 Indonesia
Current accounts and placements with other
Giro dan penempatan pada bank lain -- 401.598.535 -- -- 401.598.535 banks
Investasi pada surat berharga 5.884.891.511 8.000.000.000 13.051.069.000 -- 26.935.960.511 Investments in marketable securities
Piutang murabahah 108.991.501 12.613.602 4.916.337.595 2.662.702.817 7.700.645.515 Murabahah receivable
Piutang istishna -- -- -- 1.702.215 1.702.215 Istishna receivable
Piutang ijarah -- -- -- 1.096.729 1.096.729 Ijarah receivable
Piutang qardh -- -- 585.697.266 103.472.060 689.169.326 Funds of qardh
Pembiayaan mudharabah 16.666.667 54.857.083 449.578.259 5.037.960 526.139.969 Mudharabah financing
Pembiayaan musyarakah 525.513.766 7.087.884 7.002.890.339 1.586.902.131 9.122.394.120 Musyarakah financing
Penyertaan saham -- -- 407.711.237 -- 407.711.237 Investment in shares
Tagihan akseptasi -- -- 127.446.769 -- 127.446.769 Acceptance receivables
Aset lain-lain *) 139.780.234 -- -- 267.658 140.047.892 Other assets*)
Jumlah 13.178.074.518 8.476.157.104 26.540.730.465 4.361.181.570 52.556.143.657 Total
Bersih 51.880.449.204 Net

Fasilitas pembiayaan yang belum
digunakan -- -- 103.894.085 -- 103.894.085 Unused financing facility
Penerbitan SKBDN -- -- 14.863.464 -- 14.863.464 Domestic Letters of Credit issued
Fasilitas L/C yang masih berjalan -- -- 2.703.920 -- 2.703.920 Outstanding L/C
Bank garansi yang diterbitkan 444.090 2.137.875 76.431.721 610.000 79.623.686 Bank guarantees issued
Jumlah -- -- 197.893.190 -- 201.085.155 Total
- 128 -
2021 Annual Report
(ii) Analisa konsentrasi risiko (lanjutan) (ii) Risk concentration analysis (continued)
(b) Sektor industri (b) Industrial sectors
Tabel berikut menggambarkan rincian The following table provides the details
eksposur pembiayaan pada nilai of the financing exposure at the carrying
tercatat yang dikategorikan amounts categorized by industrial sector
berdasarkan sektor industri pada as of December 31, 2021 and 2020
tanggal-tanggal 31 Desember 2021 dan (unaudited): (continued)
2020 (tidak diaudit): (lanjutan)
31 Desember / December 31 , 2020

Bank dan
Pemerintah lembaga
(termasuk Bank keuangan
Indonesia)/ lainnya/
Government Banks and other Perusahaan
(including Bank financial lainnya/ Perseorangan/ Jumlah/
Indonesia) institutions Other companies Individuals Total
ASET ASSETS
Giro dan penempatan pada Bank Current accounts and placements with Bank
Indonesia 2.835.513.916 -- -- -- 2.835.513.916 Indonesia
Current accounts and placements with other
Giro dan penempatan pada bank lain -- 497.026.243 -- -- 497.026.243 banks
Investasi pada surat berharga 4.180.387.237 8.000.000.000 5.000.000 -- 12.185.387.237 Investments in marketable securities
Piutang murabahah -- 21.230.643 8.875.972.271 3.983.608.545 12.880.811.459 Murabahah receivable
Piutang istishna -- -- 15.079.618 2.858.792 17.938.410 Istishna receivable
Piutang ijarah -- -- 5.230.150 1.480.240 6.710.390 Ijarah receivable
Piutang qardh -- -- 877.440.467 20.892.008 898.332.475 Funds of qardh
Pembiayaan mudharabah -- 126.049.491 483.747.406 10.278.469 620.075.366 Mudharabah financing
Pembiayaan musyarakah -- 7.761.229 11.894.329.745 2.576.384.708 14.478.475.682 Musyarakah financing
Penyertaan saham -- -- 407.711.237 -- 407.711.237 Investment in shares
Tagihan akseptasi -- -- 125.809.138 -- 125.809.138 Acceptance receivables
Aset lain-lain *) -- -- -- 324.280.316 324.280.316 Other assets*)
Jumlah 7.015.901.153 8.652.067.606 22.690.320.032 6.919.783.078 45.278.071.869 Total
Bersih 44.681.809.439 Net

Fasilitas pembiayaan yang belum
digunakan -- -- 108.797.508 -- 108.797.508 Unused financing facility
Penerbitan SKBDN -- -- 54.872.670 -- 54.872.670 Domestic Letters of Credit issued
Fasilitas L/C yang masih berjalan -- -- 4.955.523 -- 4.955.523 Outstanding L/C
Bank garansi yang diterbitkan -- -- 109.714.000 -- 109.714.000 Bank guarantees issued
Jumlah -- -- 278.339.701 -- 278.339.701 Total
*) Aset lain-lain terdiri atas piutang pendapatan yang masih akan *) Other assets consist of income receivables, funds with PT Pos
diterima, penempatan pada PT Pos Indonesia (Persero), setoran Indonesia (Persero), security deposits and other receivables.
jaminan dan tagihan lain-lain.
(iii) Penurunan nilai aset keuangan: (iii) Impairment of financial assets:
(a) Giro dan penempatan pada Bank (a) Current accounts and placements with
Indonesia Bank Indonesia
Per tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020,
2020, aset keuangan ini tidak mengalami these financial assets are not individually
penurunan nilai secara individual or collectively impaired.
maupun kolektif.
(b) Giro dan penempatan pada bank lain (b) Current accounts and placements with
other banks
Per tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020,
2020, aset keuangan ini tidak mengalami these financial assets are not individually
penurunan nilai secara individual or collectively impaired, except for
maupun kolektif kecuali penempatan placements with other banks with BPRS
pada bank lain pada BPRS Dana Dana Cipaganti which is classified as
Cipaganti dikelompokkan macet. loss.
- 129 -
(iii) Penurunan nilai aset keuangan: (lanjutan) (iii) Impairment of financial assets: (continued)
(c) Investasi pada surat berharga (c) Investment in securities
Seluruh investasi pada surat berharga All investments in securities as of

pada tanggal 31 Desember 2021 dan December 31, 2021 and 2020 are
2020 dikelompokkan lancar kecuali classified as current, except for
investasi pada surat berharga investments in securities with
Sukuk S u m ber daya S ew at am a Sumberdaya Sewatama Sukuk, which
dikelompokkan macet. are classified as loss.
(d) Pembiayaan, piutang dan pinjaman (d) Financing, receivables and loans
Rincian pembiayaan, piutang dan The details of not impaired and impaired
pinjaman yang tidak mengalami financing, receivables and funds are as
penurunan nilai dan yang mengalami follows:
penurunan nilai adalah sebagai berikut:
31 Desember/December 31,, 2021
Belum jatuh tempo atau tidak Telah jatuh tempo

mengalami penurunan nilai / tetapi tidak
Neither past due nor impaired mengalami
penurunan nilai/ Mengalami
Tingkat tinggi/ Tingkat standar/ Past-due but not penurunan nilai/ Jumlah/
High grade *) Standard grade *) impaired Impaired Total
Jasa-Jasa Dunia Usaha 1.107.977.962 455.809.929 687.372.910 16.359.596 2.267.520.397 Business services
Perdagangan, Restoran, dan Hotel 883.425.702 583.811.040 987.700.054 5.967.657 2.460.904.453 Trading, restaurants and hotels
Industri Pengolahan 1.044.791.638 765.479.841 916.398.238 -- 2.726.669.717 Manufacturing
Konstruksi 326.904.523 371.404.652 228.169.831 39.962.577 966.441.583 Construction
Pengangkutan, Pergudangan dan Transport, cargo storage and
Komunikasi 68.684.560 286.486.753 174.498.273 31.314.378 560.983.964 communication
Jasa-Jasa Sosial/Masyarakat 1.214.322.019 146.298.978 121.890.564 -- 1.482.511.561 Social/public services
Pertambangan 1.243.407 95.317.047 607.455.109 -- 704.015.563 Mining
Listrik, Gas, dan Air 520.197.037 476.972.053 451.395.497 -- 1.448.564.587 Water, gas and electricity
Pertanian, Kehutanan dan Sarana Agriculture, forestry and agricultural
Pertanian 720.557.210 65.051.622 137.022.212 40.264 922.671.308 facilities
Lain-Lain 3.843.892.600 331.284.537 317.961.616 7.725.988 4.500.864.741 Others
Jumlah 9.731.996.658 3.577.916.452 4.629.864.304 101.370.460 18.041.147.874 Total
Bersih 17.500.911.829 Net
Belum jatuh tempo atau tidak Telah jatuh tempo

mengalami penurunan nilai / tetapi tidak
Neither past due nor impaired mengalami
penurunan nilai/ Mengalami
Tingkat tinggi/ Tingkat standar/ Past-due but not penurunan nilai/ Jumlah/
High grade *) Standard grade *) impaired Impaired Total
Jasa-Jasa Dunia Usaha 905.532.486 348.654.453 2.251.334.487 31.445.391 3.536.966.817 Business services
Perdagangan, Restoran, dan Hotel 546.621.022 1.020.168.285 1.292.807.790 431.540.233 3.291.137.330 Trading, restaurants and hotels
Industri Pengolahan 2.081.046.557 958.560.375 1.885.212.396 166.690.957 5.091.510.285 Manufacturing
Konstruksi 612.633.062 835.422.776 615.571.286 125.165.973 2.188.793.097 Construction
Pengangkutan, Pergudangan dan Transport, cargo storage and
Komunikasi 352.590.794 258.764.569 980.534.276 111.231.812 1.703.121.451 communication
Jasa-Jasa Sosial/Masyarakat 1.046.679.537 295.642.632 571.395.708 56.697.909 1.970.415.786 Social/public services
Pertambangan 410.718 162.800.172 1.922.331.590 -- 2.085.542.480 Mining
Listrik, Gas, dan Air 296.030.418 429.779.671 1.535.122.542 -- 2.260.932.631 Water, gas and electricity
Pertanian, Kehutanan dan Sarana Agriculture, forestry and agricultural
Pertanian 545.156.465 324.437.466 216.392.011 65.279.216 1.151.265.158 facilities
Lain-Lain 3.845.197.291 951.957.953 483.295.393 342.208.110 5.622.658.747 Others
Jumlah 10.231.898.350 5.586.188.352 11.753.997.479 1.330.259.601 28.902.343.782 Total
Bersih 28.324.027.411 Net
(iv) Analisa eksposur maksimum terhadap risiko (iv) Analysis of maximum exposure to financing
pembiayaan setelah memperhitungkan risk is made after considering the effect of
dampak agunan dan mitigasi risiko collateral and other financing enhancements
pembiayaan lainnya
Nilai tercatat dari aset keuangan Bank selain The carrying value of the Bank’s financial
pembiayaan yang diberikan menggambarkan assets other than financing best represents
eksposur maksimum atas risiko pembiayaan. the maximum exposure to financing risk.
- 130 -
2021 Annual Report
(iv) Analisa eksposur maksimum terhadap risiko (iv) Analysis of maximum exposure to financing
pembiayaan setelah memperhitungkan risk is made after considering the effect of
dampak agunan dan mitigasi risiko collateral and other financing enhancements
pembiayaan lainnya (lanjutan) (continued)
Untuk pembiayaan yang diberikan, Bank With regard to financing, Bank uses collateral
menggunakan agunan untuk meminimalkan to minimize financing risk.
risiko pembiayaan.
Berdasarkan klasifikasi, pembiayaan Bank Financing are classified into two major
dapat dibedakan menjadi dua kelompok besar, categories, namely:
yaitu:
1. Secured financing; 1. Secured financing;
2. Partially secured financing. 2. Partially secured financing.
Secured financing, Bank menetapkan jenis Secured financing, the Bank determines the
dan nilai agunan yang dijaminkan sesuai type and value of collateral in accordance with
skema pembiayaan. Jenis dari agunan terdiri the financing scheme. The types of collateral
dari: are as follows:
a. Physical collateral, berupa tanah dan a. Physical collateral, such as land and
bangunan, Buku Pemilik Kendaraan buildings, proof of vehicle ownership, and
Bermotor (BPKB), dan properti; property;
b. Financial collateral, berupa simpanan b. Financial collateral, such as time deposit
(tabungan, giro, deposito), surat berharga, (savings, demand deposit, time deposit)
dan emas. securities, and gold.
Apabila terjadi default (gagal bayar), Bank In the event of default, Bank will use the
akan menggunakan agunan tersebut sebagai collateral as the last resort in recovering its
pilihan terakhir untuk pemenuhan kewajiban investment.
counterparty.
Partially secured financing terdiri dari Partially secured financing are financing for
pembiayaan untuk golongan berpenghasilan fixed income employees, financing for
tetap, pembiayaan untuk para pensiunan dan retirees, and financing for other consumers.
pembiayaan konsumer lainnya. Dalam In their payment obligations, partially secured
pembayaran kewajibannya, partially secured financing are generally made through
financing umumnya dilakukan melalui automatic payroll deduction. Hence, maximum
pemotongan penghasilan secara otomatis. exposure to financing risk is lower than the
Dengan demikian, tingkat risiko dari partially carrying value.
secured financing tidak sebesar nilai tercatat
pembiayaannya.
Mitigasi risiko pembiayaan untuk partially Financing risk mitigation for partially secured
secured financing terdiri dari surat keputusan financing consists of employee recruitment
pengangkatan pegawai dan surat keterangan decision letter and certificate of retirement.
pensiun.
b. Risiko Pasar b. Market Risk
Risiko pasar terdiri dari risiko nilai tukar, risiko Market risk includes exchange rate risk, interest
suku bunga, risiko ekuitas dan risiko komoditas (on rate risk, equity risk and commodity risk, either on
reporting maupun off reporting), akibat perubahan or off reporting, as the result of overall changes in
secara keseluruhan dari kondisi pasar. market conditions.
Tujuan utama Bank mengelola risiko pasar adalah Bank’s main objective in managing market risk is
untuk meminimalkan kemungkinan dampak negatif to minimize the possibility of negative impact due
akibat perubahan kondisi pasar terhadap aset dan to changes in market conditions on Bank’s assets
permodalan Bank. and capital.
- 131 -
b. Risiko Pasar (lanjutan) b. Market Risk (continued)

Sebagai bank devisa, Bank memiliki aset dan As a foreign exchange bank, Bank has assets and
liabilitas dalam valuta asing, sehingga nilai dari liabilities in foreign currencies, which are
aset dan liabilitas tersebut selalu terkait dengan vulnerable to foreign exchange rate changes. Bank
perubahan kurs valuta asing terhadap Rupiah. may face exchange rate risk, if there is a
Bank menghadapi risiko nilai tukar, apabila terjadi fluctuation on foreign exchange rate against
fluktuasi atas nilai tukar mata uang asing terhadap Rupiah. Exchange rate changes may also cause
Rupiah. Fluktuasi nilai tukar dapat juga losses for Bank's customers who obtain financing
menimbulkan risiko bagi nasabah yang in foreign currencies (while the resource to repay
memperoleh pembiayaan dengan mata uang asing is in Rupiah), and this may affect the customers'
(sementara sumber pengembaliannya dalam valuta ability to do repayment. To mitigate these risks,
Rupiah) dan berdampak pada kemampuan Bank prioritizes foreign currency financing to
membayar kembali kewajibannya. Untuk customers with income in foreign currency.
memitigasi risiko tersebut, Bank mengutamakan
pembiayaan dalam valuta asing kepada nasabah
yang menerima pendapatan dalam valuta asing
tersebut.
Aktivitas manajemen risiko yang dilakukan oleh Risk management activities carried out by the Bank
Bank dalam mengelola dan meningkatkan kualitas in managing and improving the quality of market
profil risiko pasar adalah: risk profiles include:
1. Melakukan pemantauan dan pengukuran risiko 1. Monitoring and measuring market risk including
pasar temasuk pemantauan limit dealer (limit dealer limit monitoring (limit utilization and
utilisasi dan batas kerugian transaksi) yang transaction loss limit) carried out by treasury
dijalankan oleh unit kerja treasury baik work units all foreign exchange, money market,
transaksi foreign exchange, money market, dan and fixed income transactions;
fixed income;
2. Meningkatkan fungsi middle office yaitu unit 2. Improving the middle office function, namely
manajemen risiko sebagai unit pelaksana yang the risk management unit as an independent
independen dalam menyajikan data pasar yang implementing unit in presenting market data
berkaitan dengan proses marked to market relating to the marked to market process for
untuk setiap aktivitas perdagangan dan each trading activity and proposing the
mengusulkan penetapan limit dealer secara determination of the dealer's limit on a level
berjenjang sesuai dengan unit kerja dan according to the work unit and the level of the
jenjang jabatan masing-masing dealer; department of each dealer;
3. Melakukan perbaikan end to end treasury 3. Improving end to end treasury process
process, antara lain: improvements, among others:
a. Proyek Pengelolaan Likuiditas Berdasarkan a. Liquidity Management Project Based on
Prinsip Syariah Bank Indonesia (PasBI) dan Sharia Principles of Bank Indonesia (PasBI)
Fasilitas Likuiditas Berdasarkan Prinsip and Liquidity Facilities Based on Sharia
Syariah Bank Indonesia (FlisBI) melalui Principles of Bank Indonesia (FlisBI) through
pengembangan aplikasi Quantum; the development of Quantum applications;
b. Mengembangkan fitur aplikasi Quantum atas b. Developing Quantum application features
beberapa transaksi yang baru diberlakukan over newly enacted regulatory transactions
regulator dan pengembangan atas fungsi and develop process functions on treasury
proses pada produk treasury. products.
4. Melaksanakan kaji ulang atas metode, asumsi, 4. Reviewing the methods, assumptions, and
dan variabel atas batasan limit dealer secara variables of dealer limit periodically, risk factors,
berkala, besaran risk factor, dan paramater and market risk parameters for the assessment
risiko pasar untuk penilaian profil risiko pasar; of market risk profiles;
5. Menetapkan dan memantau tingkat Posisi 5. Determining the level of Net Open Position
Devisa Neto (PDN) secara internal, yaitu 2% (NOP) internally at 2% of the Bank's capital,
dari modal Bank yang jauh lebih rendah dari much lower than regulation, to minimize losses.
tingkat PDN yang diatur oleh regulator untuk Bank also squares positions so that it is at a
meminimalkan kerugian. Bank juga melakukan manageable level and complies with regulatory
squaring position sehingga PDN berada pada requirements. NOP level is monitored daily and
tingkat yang dapat dikelola dan memenuhi reported to the Board of Directors;
ketentuan regulator. Tingkat PDN dipantau
secara harian dan dilaporkan kepada Direksi;
- 132 -
2021 Annual Report
b. Risiko Pasar (lanjutan) b. Market Risk (continued)
Aktivitas manajemen risiko yang dilakukan oleh Risk management activities carried out by the Bank
Bank dalam mengelola dan meningkatkan kualitas in managing and improving the quality of market
profil risiko pasar adalah: (lanjutan) risk profiles include: (continued)
6. Memantau rasio Pinjaman Luar Negeri (PLN) 6. Monitoring the ratio of Foreign Loans to remain
agar tetap sesuai dengan ketentuan regulator, in accordance with regulatory provisions, but
namun cukup sensitive terhadap depresiasi sensitive enough to rupiah depreciation as a
rupiah sebagai dampak COVID-19; result of COVID-19;
7. Melakukan perhitungan stress test risiko pasar 7. Calculating the stress test of the market risk to
secara berlaka untuk melihat pengaruh see the effect of changing the exchange rate
perubahan nilai tukar terhadap Kewajiban against the Capital Adequacy Ratio and NOP
Penyediaan Modal Minimum (KPMM) dan PDN Bank;
Bank;
c. Risiko Likuiditas c. Liquidity Risk
Risiko Likuiditas merupakan risiko akibat Liquidity risk is a risk due to the Bank’s inability to
ketidakmampuan Bank untuk memenuhi kewajiban fulfill its obligations as they mature from cash flow
yang jatuh tempo dari sumber pendanaan arus kas and/or high-quality liquid assets without affecting
dan/atau dari aset likuid berkualitas tinggi yang the Bank’s operations and financial condition.
dapat digunakan, tanpa mengganggu aktivitas dan
kondisi keuangan Bank.
Dalam mengantisipasi terjadinya risiko likuiditas, To anticipate the liquidity risk, the Bank
aktivitas manajemen risiko yang dilakukan oleh undertakes the following risk management actions:
Bank adalah:
1. Memberlakukan dan melakukan sosialisasi 1. Enforcing and disseminating liquidity risk

Prosedur Manajemen Risiko Likuiditas sebagai management procedures as guidelines and rules
panduan dan aturan terhadap proses for the Bank's liquidity risk management process;
manajemen risiko likuiditas Bank;
2. Melaksanakan fungsi Asset and Liability 2. Implementing the functions of the Asset and
Committee (ALCO) untuk membahas Liability Committee (ALCO) to discuss liquidity
manajemen likuiditas dan menetapkan strategi management and set the related risk
pengelolaan risiko; management strategy;
3. Melakukan pemantauan likuiditas secara harian 3. Conducting daily liquidity monitoring through
melalui pemantauan cash flow Bank dan Bank's monitoring of cash flow, forecasts and the
perkiraan serta realisasi dana masuk dan keluar realization of incoming and outgoing funds
yang dilaporkan secara harian kepada Direksi reported daily to the board of directors and OJK;
dan OJK;
4. Memantau pemenuhan ketentuan Bank 4. Monitoring fulfillment of Bank Indonesia

Indonesia yang berkaitan dengan likuiditas, regulations related to liquidity matters, such as
seperti Giro Wajib Minimum (GWM), Penyangga Minimum Statutory Reserves, Macroprudential
Likuiditas Makroprudensial (PLM), Rasio Liquidity Buffer, Macroprudential Intermediation
Intermediasi Makroprudensial (RIM), dan Ratio and others;
lain-lain;
5. Meningkatkan likuiditas Bank, antara lain 5. Improving the Bank's liquidity, among others:
dengan:
a. Merumuskan kembali strategi funding a. Reformulating funding strategies with a focus
dengan fokus pada pertumbuhan dana on low-cost fund growth and optimizing
murah dan mengoptimalkan pendapatan service-based revenues;
berbasis jasa;
- 133 -
c. Risiko Likuiditas (lanjutan) c. Liquidity Risk (continued)
Dalam mengantisipasi terjadinya risiko likuiditas, To anticipate the liquidity risk, the Bank
aktivitas manajemen risiko yang dilakukan oleh undertakes the following risk management actions:
Bank adalah: (lanjutan) (continued)
5. Meningkatkan likuiditas Bank, antara lain 5. Improving the Bank's liquidity, among others:
dengan: (lanjutan) (continued)
b. Melakukan adaptasi untuk alternatif b. Adapting to alternative liquidity
penguatan likuiditas melalui insiatif strengthening through digital banking
pengembangan digital banking dengan development initiative by launching Smart
meluncurkan fitur Smart Account Opening Account Opening (SAO) feature;
(SAO);
c. Mengembangkan cash management system c. Developing cash management system
(CMS) dengan nama Muamalat Digital (CMS) named Muamalat Digital Integrated
Integrated Access (MADINA), baik di segmen Access (MADINA), both in the Wholesale
Wholesale maupun Retail; and Retail segments;
d. Mengimplementasikan layanan cash pick up, d. Implementing cash pick up, Cash Deposit
Cash Deposit Machine (CDM) dan cash Machine (CDM) and mobile cash services.
mobile;
6. Melaksanakan rapat pemantauan likuiditas Bank 6. Conducting liquidity monitoring meetings of

melalui rapat Direksi yang dilaksanakan setiap the Bank through board of directors meetings
akhir bulan; held at the end of each month;
7. Melakukan kajian atas kekuatan likuiditas Bank 7. Reviewing the strength of Bank’s liquidity
melalui perhitungan stress test; through stress test calculations;
8. Melakukan kajian atas ambang batas 8. Reviewing thresholds in liquidity risk

(threshold) pada metode pemantauan risiko monitoring methods through the Risk Profile
likuiditas melalui Profil Risiko dan Liquidity Key and LKRI, and implementing it on the liquidity
R i s k In dicato r (LK RI ) d a n t e l a h risk monitoring working paper.
diimplementasikan pada kertas kerja
pemantauan risiko likuiditas;
- 134 -
2021 Annual Report

Tabel di bawah ini menyajikan informasi mengenai The tables below represent information about the
pemetaan aset dan liabilitas keuangan dalam skala mapping of financial assets and liabilities within a
waktu tertentu (maturity buckets) berdasarkan sisa certain time scale (maturity buckets) based on
jangka waktu sampai dengan jatuh tempo their remaining maturity, as follows:
(remaining maturity), sebagai berikut:
31 Desember/December 31,, 2021
Lebih dari 3 bulan
Lebih dari 1 bulan sampai dengan Lainnya yang
sampai dengan 1 tahun/ tidak memiliki
Sampai dengan 3 bulan/ More than 3 Lebih dari jatuh tempo/
1 bulan/ More than 1 month months up to 1 1 tahun/ Others without Jumlah/
Up to 1 month up to 3 months year More than 1 year maturity Total
ASET ASSETS
Kas -- -- -- -- 745.190.145 745.190.145 Cash
Giro dan penempatan pada Bank Current accounts and placements
Indonesia 6.502.230.839 -- -- -- -- 6.502.230.839 with Bank Indonesia
bank lain -- 401.598.535 -- -- -- 401.598.535 with other banks
berharga 40.930.400 18.669.678 1.626.948.000 25.249.412.433 -- 26.935.960.511 securities
Piutang murabahah 614.411.339 959.376.743 961.756.402 5.165.101.032 -- 7.700.645.516 Murabahah receivable
Piutang istishna -- -- -- 1.702.215 -- 1.702.215 Istishna receivable
Piutang ijarah 1.056.466 -- -- 40.264 -- 1.096.730 Ijarah receivable
Piutang qardh 273.293.264 131.592.641 133.381.224 150.902.197 -- 689.169.326 Funds of qardh
Pembiayaan mudharabah 3.732.462 19.757.584 33.517.194 469.132.730 -- 526.139.970 Mudharabah financing
Pembiayaan musyarakah 363.945.500 790.311.131 1.319.375.670 6.648.761.819 -- 9.122.394.120 Musyarakah financing
Penyertaan saham -- -- -- -- 407.711.237 407.711.237 Investment in shares
Tagihan akseptasi 100.583.919 14.960.424 4.173.820 -- -- 119.718.163 Acceptance receivables
Aset lain-lain *) -- -- -- -- 140.047.892 140.047.892 Other assets*)
nilai aset produktif (173.898.016) (55.154.429) (80.106.816) (366.535.192) -- (675.694.453) losses
Liabilitas segera 1.082.964.067 -- -- -- -- 1.082.964.067 Liabilities due immediately
Simpanan 9.676.428.401 -- -- -- -- 9.676.428.401 Deposits
Simpanan dari bank lain 78.846.208 -- -- -- -- 78.846.208 Deposits from other banks
Bagi hasil yang belum dibagikan 39.711.545 -- -- -- -- 39.711.545 Undistributed revenue sharing
Liabilitas akseptasi 7.865.798 14.577.850 2.826.776 -- -- 25.270.424 Acceptance payables
Pinjaman yang diterima -- -- -- 100.000.000 -- 100.000.000 Fund borrowings
Liabilitas lain-lain 393.357.685 -- -- -- 153.743.250 547.100.935 Other liabilities
Jumlah liabilitas 11.279.173.704 14.577.850 2.826.776 100.000.000 153.743.250 11.550.321.580 Total liabilities

Giro mudharabah 2.146.777.129 -- -- -- -- 2.146.777.129 Mudharabah demand deposits
Tabungan mudharabah 11.038.110.300 -- -- -- -- 11.038.110.300 Mudharabah savings deposits
Deposito mudharabah 9.221.285.491 12.198.320.244 4.228.592.885 -- -- 25.648.198.620 Mudharabah time deposits
Surat Berharga Yang
Diterbitkan -- -- 100.000.000 4.425.093.625 -- 4.525.093.625 Securities Issued
Jumlah dana syirkah
temporer 22.406.172.920 12.198.320.244 4.328.592.885 4.425.093.625 -- 43.358.179.674 Total temporary syirkah funds
Jumlah Liabilitas dan dana Total liabilities and temporary

syirkah temporer 33.685.346.624 12.212.898.094 4.331.419.661 4.525.093.625 153.743.250 54.908.501.254 syirkah funds
Perbedaan Jatuh Tempo (25.959.060.451) (9.931.785.787) (332.374.167) 32.793.423.873 1.139.206.024 (2.290.590.508) Maturity gap

Lebih dari 3 bulan
ASET ASSETS
Kas -- -- -- -- 732.760.187 732.760.187 Cash
Giro dan penempatan pada Bank Current accounts and placements
Indonesia 2.835.513.916 -- -- -- -- 2.835.513.916 with Bank Indonesia
bank lain -- 4.057.563 -- -- 492.968.680 497.026.243 with other banks
berharga -- -- -- 12.185.387.237 -- 12.185.387.237 securities
Piutang murabahah 1.324.850.642 1.216.578.174 2.175.533.641 8.163.849.002 -- 12.880.811.459 Murabahah receivable
Piutang istishna -- -- -- 17.938.410 -- 17.938.410 Istishna receivable
Piutang ijarah 6.340.683 44.667 -- 325.040 -- 6.710.390 Ijarah receivable
Piutang qardh 433.234.544 146.993.930 245.385.489 72.718.512 -- 898.332.475 Funds of qardh
Pembiayaan mudharabah 16.979.637 6.323.643 255.790.785 340.981.301 -- 620.075.366 Mudharabah financing
Pembiayaan musyarakah 1.202.966.969 1.338.497.424 2.946.417.311 8.990.593.978 -- 14.478.475.682 Musyarakah financing
Penyertaan saham -- -- -- -- 407.711.237 407.711.237 Investment in shares
Tagihan akseptasi -- -- 125.809.138 -- -- 125.809.138 Acceptance receivables
Aset lain-lain *) -- -- -- -- 324.280.316 324.280.316 Other assets*)
nilai aset produktif -- -- -- -- (596.262.430) (596.262.430) losses
Liabilitas segera 120.301.440 -- -- -- -- 120.301.440 Liabilities due immediately
Simpanan 7.359.213.980 -- -- -- -- 7.359.213.980 Deposits
Simpanan dari bank lain 86.763.182 -- -- -- -- 86.763.182 Deposits from other banks
Bagi hasil yang belum dibagikan 74.903.401 -- -- -- -- 74.903.401 Undistributed revenue sharing
Liabilitas akseptasi -- -- 24.949.783 -- -- 24.949.783 Acceptance payables
Pinjaman yang diterima -- -- -- 100.000.000 -- 100.000.000 Fund borrowings
Liabilitas lain-lain 1.751.957.323 -- -- -- -- 1.751.957.323 Other liabilities
Jumlah liabilitas 9.393.139.326 -- 24.949.783 100.000.000 -- 9.518.089.109 Total liabilities
- 135 -
Tabel di bawah ini menyajikan informasi mengenai The tables below represent information about the
pemetaan aset dan liabilitas keuangan dalam skala mapping of financial assets and liabilities within a
waktu tertentu (maturity buckets) berdasarkan sisa certain time scale (maturity buckets) based on
jangka waktu sampai dengan jatuh tempo their remaining maturity, as follows: (continued)
(remaining maturity), sebagai berikut: (lanjutan)
Lebih dari 3 bulan
Giro mudharabah 1.624.462.725 -- -- -- -- 1.624.462.725 Mudharabah demand deposits
Tabungan mudharabah 10.234.574.350 -- -- -- -- 10.234.574.350 Mudharabah savings deposits
Deposito mudharabah 15.850.988.166 4.344.740.111 3.695.793.860 54.252.089 -- 23.945.774.226 Mudharabah time deposits
Surat Berharga Yang
Diterbitkan -- -- 100.000.000 1.851.692.800 -- 1.951.692.800 Securities Issued
Jumlah dana syirkah
temporer 27.710.025.241 4.344.740.111 3.795.793.860 1.905.944.889 -- 37.756.504.101 Total temporary syirkah funds
Jumlah Liabilitas dan dana Total liabilities and temporary

syirkah temporer 37.103.164.567 4.344.740.111 3.820.743.643 2.005.944.889 -- 47.274.593.210 syirkah funds
Perbedaan Jatuh Tempo (31.283.278.176) (1.632.244.710) 1.928.192.721 27.765.848.591 1.361.457.990 (1.860.023.584) Maturity gap
*) Aset lain-lain terdiri atas piutang pendapatan yang masih akan *) Other assets consist of income receivables, funds with PT Pos Indonesia
diterima, penempatan pada PT Pos Indonesia (Persero), setoran (Persero), security deposits and other receivables.
jaminan dan tagihan lain-lain.
**) Liabilitas lain-lain terdiri atas setoran jaminan yang diterima. **) Other liabilities consist of security deposits received.
d. Risiko Operasional d. Operational Risk
Bank secara berkelanjutan melakukan The Bank continuously controls and improves
pengendalian dan perbaikan terhadap profil risiko operational risk profile, by means of:
operasional, dengan cara:
1. Mengembangkan dan memelihara kerangka 1. Developing and maintaining operational risk

kerja, kebijakan dan prosedur pengelolaan management framework, policies and
risiko operasional secara berkala; procedures regularly;
2. Melakukan pengembangan dan penerapan 2. Building and implementing Operational Risk

Operational Risk Management System: aplikasi Management System through Loss Event
Loss Event Database, Key Risk Indicator dan Database, Key Risk Indicator and Risk Control
Risk Control Self Assessment sebagai alat bantu Self Assessment application used as operational
untuk melakukan pemantauan risiko; risk monitoring tools;
3. Menginisiasi beberapa perbaikan proses internal 3. Initiating several internal process improvements
untuk meningkatkan kualitas operasional Bank, to improve the Bank's operational quality,
a. Melaksanakan proyek Al-Basith untuk a. Implementing the Al-Basith project to
memperbaiki seluruh data pembiayaan; improve all financing data;
b. Memantau pemenuhan dokumen TBO/ER b. Monitoring the fulfillment of TBO/ER
pembiayaan segmen Retail dan Wholesale; documents financing the Retail and
Wholesale segment;
c. Mengembangkan aplikasi Financing c. Developing financing information system
Information System (FIS) fase II dengan (FIS) phase II application by adding features
menambah fitur peningkatan akurasi to improve the accuracy of recording and
pencatatan dan optimalisasi pemantauan optimization monitoring the fulfillment of
pemenuhan covenant pembiayaan; financing covenants;
d. Melakukan verifikasi lanjutan atas informasi d. Performing further verification of fraudulent
penipuan yang diterima; information received;
- 136 -
2021 Annual Report
d. Risiko Operasional (lanjutan) d. Operational Risk (continued)
pengendalian dan perbaikan terhadap profil risiko operational risk profile, by means of: (continued)
operasional, dengan cara: (lanjutan)
3. Menginisiasi beberapa perbaikan proses internal 3. Initiating several internal process improvements
untuk meningkatkan kualitas operasional Bank, to improve the Bank's operational quality,
antara lain: (lanjutan) among others: (continued)
e. Mengembangkan Smart Branch Transaction e. Developing Smart Branch Transaction
melalui online beneficiary checking pada through online beneficiary checking on cash
transaksi setoran tunai, penarikan tunai, deposit transactions, cash withdrawals,
pindah buku, serta transaksi SKN dan RTGS; transfers, as well as SKN and RTGS
transactions;
f. Melakukan uji coba switchover Data Centre f. Testing switchover Data Centre (DC) to
(DC) ke sistem cadangan (DRC). backup system (DRC).
4. Melakukan pemantauan berkala atas uncleaned 4. Conducting periodic monitoring of uncleaned

CIF melalui laporan yang disampaikan kepada CIF through reports submitted to management
manajemen secara harian/bulanan; daily/monthly;
5. Melaksanakan operational risk assessment 5. Performing Operational Risk Assessment for the
terhadap produk/aktivitas baru, kebijakan dan new products/activities, the Bank's operational
prosedur operasional Bank; policies & procedures.
6. Mengoptimalkan peran Operational Risk 6. Optimizing the role of Operational Risk

Champion (ORION) dalam melakukan Champion (ORION) in identifying potential
identifikasi potensi risiko operasional di operational risks in each risk taking unit and
masing-masing risk taking unit serta reporting operational risk events that have
melaporkan kejadian risiko operasional yang occurred to management periodically;
telah terjadi kepada manajemen secara berkala;
7. Melaksanakan inisiatif untuk peningkatan 7. Implementing initiatives for the enhancement

budaya sadar risiko kepada seluruh karyawan of risk culture to all employees by:
melalui:
a. Penyampaian materi operational risk a. Delivering operational risk awareness
awareness melalui email blast dan media material via email blast and podcast;
podcast;
b. Pelaksanaan pelatihan/ sosialisasi basic risk b. Implementing training/ socialization of
awareness; basic risk awareness;
c. Penyampaian risk awareness pop up quiz c. Submitting risk awareness pop up quiz
melalui aplikasi MHP mobile; through MHP mobile application;
d. Pelaksanaan Muamalat Internal Certification d. Implementing Muamalat Internal
(MIC) secara regular; Certification (MIC) on a regular basis;
e. Penyampaian anti-fraud campaign melalui e. Submitting anti-fraud campaign via email
email blast. blast.
8. Menerapkan protokol kesehatan di lingkungan 8. Implementing health protocols in the Bank's

kantor Bank dalam rangka mencegah office environment in order to prevent the
penyebaran wabah COVID-19, yaitu: spread of the COVID-19 k, namely:
a. Melakukan pemeriksaan suhu badan bagi a. Conducting body temperature check for all
seluruh karyawan dan atau pengunjung employees and office building visitors;
gedung kantor;
b. Melakukan penyemprotan disinfektan pada b. Spraying disinfectant on every floor of the
setiap lantai kantor secara berkala; office periodically;
- 137 -
d. Risiko Operasional (lanjutan) d. Operational Risk (continued)
pengendalian dan perbaikan terhadap profil risiko operational risk profile, by means of: (continued)
operasional, dengan cara: (lanjutan)
8. Menerapkan protokol kesehatan di lingkungan 8. Implementing health protocols in the Bank's

kantor Bank dalam rangka mencegah office environment in order to prevent the
penyebaran wabah COVID-19, yaitu: (lanjutan) spread of the COVID-19, namely: (continued)
c. Menetapkan ketentuan WFO-WFH c. Establishing the provisions of WFO-WFH

b e r d a s ar kan level Pem be r l a k u a n based on the level of Enactment of
Pembatasan Kegiatan Masyarakat (PPKM); Restrictions on Community Activities
(PPKM);
d. Memantau karyawan terpapar COVID-19 d. Monitoring employees exposed to
termasuk pelaksanaan tracing kontak erat; COVID-19 including the implementation of
close contact tracing;
e. Menerapkan ketentuan bagi tamu yang e. Applying the provisions for guests visiting
berkunjung ke Gedung Muamalat Tower; Muamalat Tower Building;
f. Menjalankan anjuran dan program f. C a r r y i n g out government
pemerintah terkait aplikasi PeduliLindungi; recommendations and programs related to
The PeduliLindungi application;
g. Melakukan percepatan pelaksanaan vaksinasi g. Accelerating the implementation of
kepada seluruh karyawan; vaccinations to all employees;
h. Menyampaikan himbauan untuk tidak h. Conveying the appeal not to travel out of
bepergian keluar kota pada saat libur Natal the city during the Christmas and New
dan Tahun Baru 2022 untuk mengantisipasi Year Holidays 2022 in anticipation of the
lonjakan COVID-19 gelombang ketiga; third wave of COVID-19 surge;
i. Mengerahkan tenaga keamanan untuk i. Deploying security personnel to patrol
patroli secara berkala dalam rangka periodically in order to enforce the
penegakan disiplin protokol kesehatan. discipline of health protocols.
e. Risiko Hukum e. Legal Risk
Risiko hukum adalah risiko akibat tuntutan hukum Legal risk is the risk due to lawsuits and/or
dan/atau kelemahan aspek yuridis. weaknesses of juridical aspects.
Dalam mengelola risiko hukum, Bank melakukan In managing legal risk, the Bank performs actions
tindakan diantaranya: such as:
1. Melakukan reviu atas perjanjian kerja sama 1. Reviewing the agreements entered into with
yang dilakukan dengan pihak lain, untuk third parties, to protect the Bank from legal
menjaga posisi Bank dari aspek hukum. aspects.
2. Meningkatkan mekanisme pengelolaan notaris 2. Improving the management mechanism of

mitra Bank melalui penyempurnaan prosedur Bank partner notary through completion of
dan pendataan ulang atas notaris rekanan procedures and re-logging of Bank partners
Bank; notary;
3. Melakukan reviu atas ketentuan terkait 3. Reviewing the provisions related to Bank’s
operasional dan produk Bank dari sisi hukum operations and products from legal aspect to
untuk meminimalkan terjadinya risiko hukum minimize the legal risks that may occur.
yang mungkin terjadi.
4. Memberikan opini hukum atas permintaan unit 4. Providing legal opinion at the request of other
kerja lain guna memitigasi adanya potensi work units to mitigate the legal potential for the
hukum bagi Bank; Bank;
- 138 -
2021 Annual Report
e. Risiko Hukum (lanjutan) e. Legal Risk (continued)
Dalam mengelola risiko hukum, Bank melakukan In managing legal risk, the Bank performs actions
tindakan diantaranya: (lanjutan) such as: (continued)
5. Melaksanakan legal due diligence atas rencana 5. Implementing legal due diligence on the Bank's
aksi korporasi Bank; corporate action plan;
6. Melaporkan secara berkala kepada Direksi 6. Reporting regularly to the board of director the
mengenai kasus hukum yang terjadi sehingga any legal case that occurred so that the action
dapat diambil tindakan sedini mungkin untuk can be taken as early as possible for its
penyelesaiannya; completion;
7. Menyusun ketentuan standar mengenai akad; 7. Formulating standard policies regarding

contracts;
8. Membentuk pencadangan atas kasus-kasus 8. Establishing provision for legal cases that have
yang telah memperoleh keputusan pada tingkat obtained a court decision at the district/high
pengadilan dan Mahkamah Agung dengan court level and the Supreme Court with a tiered
persentase yang berjenjang; percentage;
9. Apabila dibutuhkan, unit legal melakukan 9. If required, the legal unit provides guidance on
pendampingan atas proses litigasi yang the process of litigation faced by business unit
dihadapi unit kerja di Bank. in the Bank.
f. Risiko Reputasi f. Reputation Risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is a risk due to the decrease at the
tingkat kepercayaan stakeholder yang bersumber stakeholders trust level resulting from negative
dari persepsi negatif terhadap Bank. perception to the Bank.
Dalam memitigasi risiko reputasi, Bank telah In order to mitigate reputation risk, the Bank has
melakukan: taken the following actions:
1. Menyampaikan keterbukaan informasi kepada 1. Conveying information openly to the public

masyarakat melalui website Bank dan surat through the Bank's website and newspapers
kabar dengan berkoordinasi bersama antar unit with close coordination between work units;
kerja;
2. Melakukan koordinasi dengan pihak eksternal 2. Coordinating with external parties and adding
dan menambah pemberitaan positif mengenai positive news about the Bank, among others
Bank, antara lain dengan: by:
a. Melibatkan konsultan komunikasi dan a. Involving communication consultants and
mempekerjakan aktivitas media sosial; engaging social media activities;
b. Menunjuk PR consultant (Kitacom) untuk b. Appointing a PR consultant (Kitacom) to
membantu pelaksanaan strategi komunikasi assist in the implementation of the Bank's
aksi korporasi Bank; corporate action communication strategy;
c. Melaksanakan Integrated Corporate c. Carrying out Integrated Corporate Activities
Activities melalui client visit, kegiatan through client visits, Corporate Social
Corporate Social Responsibility (CSR), Responsibility (CSR) activities, informal
informal meeting dengan staf Bank dan meetings with the Bank’s staff and informal
informal leaders; leaders;
d. Menyampaikan CEO articles dan siaran pers d. Delivering CEO articles and press releases
terkait kegiatan Bank berupa layanan, related to the Bank's activities in the form of
produk, operasional, kegiatan CSR; services, products, operations, CSR
activities;
e. Melakukan media handling terkait aksi e. Carrying out media handling related to
korporasi yang dijalankan saat ini. corporate action that is currently carried out
- 139 -
f. Risiko Reputasi (lanjutan) f. Reputation Risk (continued)

Dalam memitigasi risiko reputasi, Bank telah In order to mitigate reputation risk, the Bank has
melakukan: (lanjutan) taken the following actions: (continued)
3. Melakukan koordinasi dengan pihak internal, 3. Coordinating with internal parties, among
antara lain dengan: others by:
a. Membangun hubungan dengan staf Bank a. Building relationships with the Bank's staff
yang memiliki jumlah pengikut yang banyak who have a large number of followers on
di media sosial; social media;
b. Melakukan pemantauan terhadap frekuensi b. Monitoring the frequency of feedback
umpan nalik yang diperoleh melalui berbagai obtained through various social media
platform media sosial; platforms;
c. Melaksanakan berbagai pelatihan untuk c. Carrying out various training for Branch
karyawan kantor Cabang sebagai upaya office employees as an effort to achieve
peningkatan perbaikan layanan; service improvement;
d. Mengembangkan digitalisasi perbaikan d. Developing digitalization of service
layanan melalui: improvement through:
1) Pengembangan layanan Live Chat agar 1) Developing Live Chat services so that
nasabah mendapatkan layanan informasi customers can access banking
perbankan dengan cepat, nyaman, dan information services quickly,
efisien; conveniently, and efficiently;
2) Pengembangan layanan Chat Bot berupa 2) Developing Chat Bot services using
pemanfaatan robot buatan untuk artificial intelligence to follow up on
menindaklanjuti layanan contact center contact center services that are of
yang bersifat umum; general nature;
3) Pengembangan layanan Omnichannel 3) Developing Omnichannel services that
yang berfungsi untuk mengintegrasikan serve to integrate all chat and
seluruh layanan berbasis chat dan email email-based services in one platform;
dalam satu platform;
4) Pengembangan Aplikasi Pengelolaan 4) Developing Customer Handling
Penanganan Nasabah (APPN) berupa Management Application (APPN) in the
fitur notifikasi email kepada nasabah dan form of email notification feature to the
user Bank atas setiap proses pengaduan. Bank’s customers and users for every
complaint process.
4. Menerbitkan laporan keuangan Bank melalui 4. Publishing the Bank's financial statements
media sesuai ketentuan regulator; through media in accordance with external
regulation;
5. Melakukan pengendalian internal melalui proses 5. Conducting internal control through a review
kaji ulang terhadap ketentuan internal terkait process of internal policies related to services to
layanan kepada nasabah; customers;
6. Melakukan kajian ulang atas metode, asumsi, 6. Reviewing the methods, assumptions, and
dan variabel atas prosedur dan petunjuk teknis variables for technical procedures and guidelines
terkait pelayanan kepada nasabah, serta regarding customer service, as well as customer
laporan pengaduan nasabah. complaints reports.
g. Risiko Stratejik g. Strategic Risk
Risiko stratejik adalah risiko akibat ketidaktepatan Strategic risk is a risk due to inaccuracy in decision
dalam pengambilan dan/atau pelaksanaan suatu making of strategic decision and failure in
keputusan stratejik serta kegagalan dalam anticipating business environment changes. The
mengantisipasi perubahan lingkungan bisnis. Bank Bank established short-period and long-period
menetapkan strategi jangka pendek dan jangka strategy in the form of strategic plan and business
panjang dalam bentuk rencana strategis dan plan.
rencana bisnis.
- 140 -
2021 Annual Report
g. Risiko Stratejik g. Strategic Risk
Dalam memitigasi risiko strategi, Bank telah In order to mitigate strategic risk, the Bank has
melakukan: taken the following actions:
1. Mendukung inisiatif strategis perusahaan 1. Supporting the Bank's strategic initiatives with
dengan fokus pada proses transformasi a focus on the process of organizational
organisasi melalui penggabungan fungsi transformation through the incorporation of
organisasi unit Business Finance & Intelligence organizational functions of Business Finance &
dan unit Corporate Strategy & Planning menjadi Intelligence unit and Corporate Strategy &
unit Business Finance & Planning; Planning unit into Business Finance & Planning
unit;
2. Menetapkan fokus untuk melakukan perbaikan 2. Determining focus to improve the Bank’s
kinerja Bank sesuai dengan Rencana Bisnis performance in accordance with the Annual
Bank (RBB) dan pemantauan realisasi kinerja Business Plan (ABP) and monitor the realization
Bank terhadap RBB dengan target perusahaan; of the Bank's performance against ABP with the
target company;
3. Melakukan sosialisasi Bankwide Strategy 2021 3. Socializing Bankwide Strategy 2021 to all
kepada seluruh karyawan, yang terdiri dari: employees, consisting of:
a. Business Turnaround; a. Business Turnaround;
b. Rebuild Financing Portofolio; b. Rebuilding Financing Portfolio;
c. Digital Transformation. c. Digital Transformation.
4. Melaksanakan proyek Amanah dalam rangka 4. Implementing the Amanah project in order to
yang disesuaikan dengan fokus bisnis Bank be adapted to the Bank's business focus to
untuk mendorong tercapainya efisiensi biaya encourage the achievement of cost efficiency
dan pertumbuhan bisnis yang lebih profitable and business growth that is more profitable and
dan sustainable; sustainable;
5. Menyelesaikan proses penambahan modal Bank 5. Completing the process of adding Bank capital
dan aset berkualitas rendah melalui transaksi and low-quality assets through asset sale
asset sale; transactions;
6. Melakukan kaji ulang atas metode, asumsi dan 6. Reviewing the methods, assumptions and
variabel atas pengungkapan manajemen risiko variables for the disclosure of risk management
untuk kepentingan laporan keuangan, laporan for the benefit of financial statements, annual
tahunan dan kepentingan due diligence proses reports and the interests of the due diligence
penguatan modal. process of capital strengthening.
h. Risiko Kepatuhan h. Compliance Risk
Risiko kepatuhan muncul ketika Bank tidak Compliance risk arises when the Bank does not
mematuhi atau tidak melaksanakan peraturan comply with or fails to enforce the rules of the
Otoritas Jasa Keuangan dan/atau Bank Indonesia, Financial Services Authority and/or Bank
maupun peraturan perundang- undangan lainnya Indonesia, as well as other applicable laws and
yang berlaku. regulations.
Bank senantiasa berupaya maksimal agar segala Bank constantly strives to comply with applicable
ketentuan dan peraturan yang berlaku dapat rules and regulations and continuously improves
dilaksanakan dengan baik (comply with regulation) the quality of risk management, internal control
dan secara terus menurus melakukan langkah- system and the implementation of good
langkah perbaikan dalam kualitas manajemen governance. Bank also maintains prudential
risiko, sistem pengendalian internal dan banking principles and sharia principles in Bank’s
pelaksanaan tata kelola yang baik serta operational activities.
memperhatikan prinsip kehati-hatian maupun
prinsip syariah dalam menjalankan kegiatan
operasional Bank.
- 141 -
h. Risiko Kepatuhan (Lanjutan) h. Compliance Risk (Continued)
Dalam memitigasi risiko kepatuhan, Bank telah In order to mitigate compliance risk, the Bank
melakukan: has taken the following actions:
1. Melakukan kampanye budaya kepatuhan antara 1. Conducting compliance cultural campaigns,

lain melalui sharing informasi regulasi dan among others through the sharing of
fatwa, memberikan opini terhadap penerapan regulations and fatwas, giving opinions on the
regulasi dan aspek syariah, reminder kepada implementation of regulations and sharia
unit kerja terkait mengenai pemenuhan regulasi aspects, giving reminder to the relevant work
serta melakukan training dan sharing units regarding compliance with regulations
knowledge; and conducting training and knowledge
sharing;
2. Mengelola, memantau, dan menatausahakan 2. Managing, monitoring and maintaining a

database peraturan OJK, BI, dan Fatwa database of OJK, BI, and Fatwa DSN-MUI
DSN-MUI; regulations;
3. Memantau aspek prudential banking dengan 3. Monitoring prudential banking aspects by

membuat dashboard rasio prudential banking creating a prudential banking ratio dashboard
dan menyampaikannya kepada Direksi; and delivering it to the Board of Directors;
4. Mengevaluasi efektivitas, kecukupan, dan 4. Evaluating the effectiveness, adequacy, and

kesesuaian kebijakan, dan ketentuan, sistem suitability of policies, and provisions, systems
maupun prosedur yang dimiliki Bank dengan and procedures owned by the Bank with the
ketentuan perundang-undangan dan ketentuan provisions of legislation and sharia provisions
syariah yang berlaku, salah satunya dengan applicable, one of them is by conducting a
melaksanakan rapat Dewan Pengawas Syariah meeting of the Sharia Supervisory Board
(DPS) sebagai salah satu kerangka manajemen (SSB) as one of the compliance risk
risiko kepatuhan; management frameworks;
5. Menyampaikan laporan-laporan secara periodik 5. Submitting reports periodically to the

kepada regulator dan pihak terkait lain sesuai regulators and other relevant parties in
ketentuan yang berlaku; accordance with applicable regulations;
6. Menyempurnakan report reminder tools yang 6. Improving report reminder tools owned by the
dimiliki Bank dalam upaya melakukan reminder Bank in an effort to make monthly routine
rutin bulanan kepada seluruh unit kerja yang reminder to all work units that have reporting
memiliki kewajiban pelaporan menyampaikan obligations to deliver accurate and timely
laporan secara akurat dan tepat waktu; reports;
7. Melakukan supervisi dan pendampingan kepada 7. Supervising and assisting the working units
unit kerja dan/atau unit bisnis dalam melakukan and/or business units in issuing products,
penerbitan produk, program, operasional, programs, operations, dissemination and/ or
sosialisasi dan/atau pendekatan terhadap approaches to customers and prospective
nasabah dan calon nasabah serta melakukan customers as well as training or sharing to
pelatihan/sharing kepada karyawan baru new employees and/or internally;
maupun kepada pihak internal bank;
8. Melakukan perbaikan dan penyempurnaan atas 8. Conducting improvements to every business

setiap proses bisnis Bank agar sesuai dengan process of the Bank in order to comply with
regulasi yang berlaku serta aspek syariah; applicable regulations and shariah aspect;
9. Melakukan Compliance Assurance dan Anti 9. Conducting compliance Assurance and AML
Money Laundering (AML) testing; testing;
- 142 -
2021 Annual Report
h. Risiko Kepatuhan (lanjutan) h. Compliance Risk (continued)
Dalam memitigasi risiko kepatuhan, Bank telah In order to mitigate compliance risk, the Bank
melakukan: (lanjutan) has taken the following actions: (continued)
10. Memberikan tinjauan aspek kepatuhan 10. Providing a review of the aspects of
terhadap ketentuan internal yang sedang compliance with internal policies that are
disusun atau dikaji ulang, serta memberikan being prepared or reviewed, and providing
opini/saran terhadap pengembangan opinions/suggestions on the development of
produk/program/aktivitas operasional products/programs/operational activities
termasuk permasalahan kepatuhan yang including compliance issues faced from the
dihadapi dari sisi syariah dan general sharia and general compliance side;
compliance;
11. Mengembangkan Compliance Checklist untuk 11. Developing Compliance Checklist to ensure
memastikan kesiapan operasional terhadap the operational readiness of product/activity
perizinan produk/aktivitas dan jaringan licensing and office network;
kantor;
12. Memantau pelaksanaan GCG secara periodik 12. Monitoring the GCG implementation
dan menyampaikannya pada manajemen; periodically and communicating it to the
management;
13. Melakukan penguatan atas penerapan 13. Strengthening the implementation of

Program APU dan PPT yang efektif dan efisien effective and efficient APU and PPT Program
mengacu pada Kebijakan Penerapan APU dan refering to the Implementation of APU and
PPT yang paling kurang mencakup 5 (lima) PPT Policies that cover at least 5 (five)
pilar, yaitu: pillars:
a. Pengawasan Aktif Dewan Komisaris dan a. Active supervisory of BOC and BOD;
Direksi;
b. Kebijakan dan Prosedur; b. Policy and Procedure;
c. Pengendalian Internal; c. Internal control;
d. Sistem Informasi Manajemen; d. Information System Management;
e. Sumber Daya Manusia dan Pelatihan. e. Human Resources and Training.
i. Risiko Imbal Hasil i. Rate of Return Risk
Risiko imbal hasil (rate of return risk) adalah risiko Rate of return risk is the risk due to changes in the
akibat perubahan tingkat imbal hasil yang rate of return paid by the Bank to customers, due
dibayarkan Bank kepada nasabah, karena terjadi to changes in the rate of return received by the
perubahan tingkat imbal hasil yang diterima Bank Bank from the allocation of funds, which can affect
dari penyaluran dana, yang dapat mempengaruhi the behavior of third party fund customers.
perilaku nasabah dana pihak ketiga Bank.
Dalam memitigasi risiko imbal hasil, Bank telah In order to mitigate rate of return risk, the Bank
melakukan: has taken the following actions:
1. Meningkatkan komposisi funding nasabah 1. Increasing the composition of customer funding

sesuai target pendanaan yang berfokus pada according to business target that focuses on
peningkatan dana murah (low cost); increasing the low cost funds;
2. Mengontrol cost of funds yang dikeluarkan oleh 2. Controlling the cost of funds incurred by the
Bank dan NIM yang diperoleh oleh Bank Bank and NIM obtained by the Bank calculating
sebagai perhitungan dalam menentukan bagi the profit share for the customers;
hasil nasabah;
- 143 -
i. Risiko Imbal Hasil (Lanjutan) i. Rate of Return Risk (Continued)
3. Melakukan inisiasi reformulasi perhitungan 3. Initiating the reformulation of the ratio

nisbah untuk menghasilkan keuntungan yang calculation to generate a decent profit for the
layak bagi Bank dan bagi hasil yang layak bagi Bank and a decent profit share for the
nasabah; customer;
4. Menjaga kualitas pembiayaan dengan pricing 4. Maintaining financing quality with pricing
yang dijaga pada level tertentu sebagaimana maintained at specific levels as discussed at the
dibahas pada rapat ALCO secara berkala; ALCO meetings periodically;
5. Melakukan analisis stress test atas imbal hasil 5. Conducting stress test analysis of returns as the
sebagai dampak restrukturisasi nasabah yang impact of restructuring of customers affected
terdampak COVID-19. by the COVID-19.
j. Risiko Investasi j. Investment Risk
Risiko investasi (investment risk) adalah risiko Investment risk is a risk due to losses that Bank’s
akibat Bank ikut menanggung kerugian usaha bear due to its customer’s losses in the term of
nasabah yang dibiayai dalam pembiayaan bagi financing that is based on profit and loss sharing.
hasil berbasis profit and loss sharing.
Dalam melakukan pengelolaan risiko investasi In managing investment risk in financing activity,
dalam pembiayaan beberapa hal yang telah the Bank has taken actions as follows:
dilakukan Bank adalah:
1. Melakukan pemantauan dan perbaikan 1. Monitoring and improving the financing based
pembiayaan berdasarkan akad pembiayaan dan on contract and also continuously improving
juga memperbaiki pencatatan pembiayaan the recording of profit and loss sharing
berbasis bagi hasil secara terus menerus; financing;
2. Melakukan kajian atas kinerja pembiayaan 2. Continuously reviewing the financing

termasuk pembiayaan berbasis bagi hasil dan performance, including profit sharing
jual beli, dan melakukan kajian untuk financing and cost-plus financing, and also
m e n gem ban gkan ket en t u an pr o d u k conducting studies to develop the provision of
pembiayaan berdasarkan akad dengan mitigasi financing products based on contract with
yang memadai sehingga mengurangi risiko bagi adequate mitigation to reduce the risk for
Bank. Bank.
- 144 -
2021 Annual Report
46. NILAI WAJAR ASET DAN LIABILITAS 46. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN LIABILITIES
Tabel di bawah ini menyajikan perbandingan antara The table below presents a comparison between the
nilai tercatat dan nilai wajar dari aset dan liabilitas carrying value and fair value of financial assets and
keuangan. Nilai wajar yang diungkapkan berdasarkan liabilities. The fair value is disclosed based on relevant
informasi relevan yang tersedia pada tanggal 31 available information on December 31, 2021 and
Desember 2021 dan 2020 dan tidak diperbaharui 2020 and it is not updated to reflect changes in
untuk mencerminkan perubahan dalam kondisi pasar market condition occurring after that date.
yang telah terjadi setelah tanggal tersebut.

Nilai Tercatat/ Nilai wajar/
Carrying value Fair value
ASET ASSETS
Kas 745.190.145 745.190.145 Cash
Bank Indonesia 6.502.230.839 6.502.230.839 with Bank Indonesia
Giro pada bank lain 397.510.597 397.510.597 Current accounts with other banks
Penempatan pada Bank lain 4.087.938 4.087.938 Placement with other banks
Investasi pada surat berharga 26.925.985.511 26.928.553.680 Investments in marketable securities
Piutang 7.703.444.459 7.703.444.459 Receivable
Piutang qardh 689.169.326 689.169.326 Funds of qardh
Pembiayaan mudharabah 526.139.969 526.139.969 Mudharabah financing
Pembiayaan musyarakah 9.122.394.120 9.122.394.120 Musyarakah financing
Penyertaan saham 407.711.237 407.711.237 Investment in shares
Tagihan akseptasi 127.446.769 127.446.769 Acceptance receivables
Aset pajak tangguhan 140.464.747 140.464.747 Deferred tax assets
Aset lain-lain 3.428.533.199 3.428.533.199 Other assets
LIABILITAS DAN DANA LIABILITIES AND TEMPORARY

SYIRKAH TEMPORER SYIRKAH FUNDS
Liabilitas segera 1.083.107.314 1.083.107.314 Liabilities due immediately
Simpanan 9.676.428.401 9.676.428.401 Deposits
Simpanan dari bank lain 78.846.208 78.846.208 Deposits from other banks
Bagi hasil yang belum dibagikan 39.711.545 39.711.545 Undistributed revenue sharing
Liabilitas akseptasi 25.270.423 25.270.423 Acceptance payables
Dana syirkah temporer 43.358.179.674 43.358.179.674 Temporary syirkah funds
Total liabilitas dan dana Total liabilities and temporary
syirkah temporer 54.361.543.565 54.361.543.565 syirkah funds
- 145 -
46. NILAI WAJAR ASET DAN LIABILITAS 46. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN (Lanjutan) LIABILITIES (Continued)
Tabel di bawah ini menyajikan perbandingan antara The table below presents a comparison between the
nilai tercatat dan nilai wajar dari aset dan liabilitas carrying value and fair value of financial assets and
keuangan. Nilai wajar yang diungkapkan liabilities. The fair value is disclosed based on relevant
berdasarkan informasi relevan yang tersedia pada available information on December 31, 2021 and
tanggal 31 Desember 2021 dan 2020 dan tidak 2020 and it is not updated to reflect changes in
diperbaharui untuk mencerminkan perubahan dalam market condition occurring after that date.
kondisi pasar yang telah terjadi setelah tanggal (continued)
tersebut. (lanjutan)
Nilai Tercatat/ Nilai wajar/
Carrying value Fair value
ASET ASSETS
Kas 732.760.187 732.760.187 Cash
Bank Indonesia 2.835.513.916 2.835.513.916 with Bank Indonesia
Giro pada bank lain 492.968.680 492.968.680 Current accounts with other banks
Penempatan pada Bank lain 3.470.290 3.470.290 Placement with other banks
Investasi pada surat berharga 12.170.412.237 12.170.249.621 Investments in marketable securities
Piutang 12.549.458.371 12.549.458.371 Receivable
Piutang qardh 883.436.562 883.436.562 Funds of qardh
Pembiayaan mudharabah 613.557.316 613.557.316 Mudharabah financing
Pembiayaan musyarakah 14.277.575.162 14.277.575.162 Musyarakah financing
Penyertaan saham 407.711.237 407.711.237 Investment in shares
Tagihan akseptasi 123.549.402 123.549.402 Acceptance receivables
Aset pajak tangguhan 141.927.639 141.927.639 Deferred tax assets
Aset lain-lain 2.842.186.614 2.842.186.614 Other assets
LIABILITAS DAN DANA LIABILITIES AND TEMPORARY

SYIRKAH TEMPORER SYIRKAH FUNDS
Liabilitas segera 120.301.440 120.301.440 Liabilities due immediately
Simpanan 7.359.213.980 7.359.213.980 Deposits
Simpanan dari bank lain 86.763.182 86.763.182 Deposits from other banks
Bagi hasil yang belum dibagikan 74.903.401 74.903.401 Undistributed revenue sharing
Liabilitas akseptasi 24.949.783 24.949.783 Acceptance payables
Dana syirkah temporer 37.756.504.101 37.756.504.101 Temporary syirkah funds
Total liabilitas dan dana Total liabilities and temporary
syirkah temporer 45.522.635.887 45.522.635.887 syirkah funds
- 146 -
2021 Annual Report
47. RASIO KEWAJIBAN PENYEDIAAN MODAL 47. CAPITAL ADEQUACY RATIO

MINIMUM
Pada tanggal 31 Desember 2021 dan 31 Desember As of December 31, 2021 and December 31, 2020,
2020, rasio Kewajiban Penyediaan Modal Minimum the Minimum Required Capital Adequacy Ratio (CAR)
(KPMM) Bank dihitung berdasarkan Peraturan is calculated based on Regulation of Financial Services
Otoritas Jasa Keuangan No. 21/POJK.03/2014 Authority (OJK) No.21/POJK.03/2014 dated November
tanggal 18 November 2014 tentang kewajiban 18, 2014 regarding Sharia Bank Minimum Required
penyediaan Modal Minimum Bank Umum Syariah, Capital, which revokes the previous regulation; and
yang mencabut peraturan sebelumnya; dan based on OJK circular Letter No. 12/SEOJK.03/2015
berdasarkan Surat Edaran OJK dated April 27, 2015. The CARs are as follows:
No.12/SEOJK.03/2015 tanggal 27 April 2015. Rasio
KPMM tersebut adalah sebagai berikut:
2021 2020
MODAL INTI PRIMARY CAPITAL

Modal disetor 1.103.435.151 1.103.435.151 Paid-in capital
Komponen Modal Lainnya 3.735.435.189 3.368.079.938 Other Equity Component
Jumlah modal inti 4.838.870.340 4.471.515.089 Total primary capital
MODAL PELENGKAP SECONDARY CAPITAL

Pinjaman subordinasi*) 100.000.000 100.000.000 Subordinated financing*)
Cadangan umum penyisihan General reserve of allowance for
kerugian aset produktif impairment losses of earning
(maksimum 1,25% assets (maximum at 1.25% of
dari ATMR) 247.070.480 234.430.778 RWA)
Jumlah modal pelengkap 347.070.480 334.430.778 Total secondary capital
Total Modal 5.185.940.820 4.805.945.867 Total Capital
Aset Tertimbang Menurut Risiko Risk Weighted assets

(ATMR) (RWA)
ATMR Risiko Kredit 19.727.215.702 29.074.291.180 RWA For Financing Risk
ATMR Risiko Pasar 12.747.880 9.930.000 RWA For Market Risk
ATMR Risiko Operasional 2.086.823.750 2.509.110.000 RWA For Operational Risk
Total Aset Tertimbang Menurut
Risiko 21.826.787.332 31.593.331.180 Total Risk Weighted Assets
RASIO KPMM Capital Adequacy Ratio

Rasio CET 1 22,17% 14,15% CET 1 ratio
Rasio Tier 1 22,17% 14,15% Tier 1 Ratio
Rasio Tier 2 1,59% 1,06% Tier 2 Ratio
Total Rasio 23,76% 15,21% Total Ratio
Rasio KPMM yang diwajibkan 10,00 - 11,00% 10,00 -11,00% Required CAR
48. POSISI DEVISA NETO 48. NET OPEN POSITION
Risiko nilai tukar merupakan risiko yang timbul karena Exchange rate risk is the risk due to the differences of
adanya selisih posisi valuta asing yang dimiliki Bank foreign exchange positions held by the Bank which is
yang tercermin dalam Posisi Devisa Neto (PDN) baik reflected in the Net Open Position (NOP) either
secara individual maupun secara keseluruhan. individually or as a whole. Included in the foreign
Termasuk dalam posisi valuta asing tersebut yaitu exchange position is the position of the trading book
posisi trading book yang dilakukan dengan tujuan which is carried out either to gain foreign exchange
untuk mendapatkan keuntungan transaksi valuta transaction income in the short-term period or
asing dalam jangka pendek maupun posisi banking banking book positions in order to control NOP.
book dalam rangka pengendalian PDN.
- 147 -
48. POSISI DEVISA NETO (Lanjutan) 48. NET OPEN POSITION (Continued)
Berikut adalah PDN Bank pada tanggal 31 Desember The Bank’s NOP as of December 31, 2021 and 2020
2021 dan 2020 sebagai berikut: is as follows:

Posisi Devisa
Aset/ Liabilitas/ Neto/
Mata uang Assets Liabilities Net Open Position Currencies
Laporan Posisi Keuangan*) Statement of Financial Position*)

Dolar Amerika Serikat 3.494.581.921 3.468.809.159 25.772.762 United States Dollar
Euro 1.830.622 336.033 1.494.589 Euro
Ringgit Malaysia 25.784.540 2.851.969 22.932.571 Malaysian Ringgit
Dolar Singapura 2.596.718 1.822.231 774.487 Singapore Dollar
Riyal Arab Saudi 1.899.728 -- 1.899.728 Saudi Arabian Riyal
Yen Jepang 169.996 -- 169.996 Japanese Yen
Dinar Kuwait 471.096 -- 471.096 Kuwaiti Dinar
Jumlah 3.527.334.621 3.473.819.392 53.515.229 Total
Laporan Posisi Keuangan dan Statement of Financial Position
Rekening Administratif*) and Administrative Accounts*)
Euro 1.830.622 336.033 1.494.589 Euro
Ringgit Malaysia 816.363.639 815.699.173 664.466 Malaysian Ringgit
Dolar Singapura 2.596.718 1.822.231 774.487 Singapore Dollar
Jumlah 5.181.477.067 5.178.437.876 7.909.533 Total
Modal (Catatan 47) 5.185.940.820 Capital (Note 47)
NOP Ratio (Statement of Financial
Rasio PDN (Laporan Posisi Keuangan) 1,03% Position)
Rasio PDN (Keseluruhan) 0,15% NOP Ratio (Overall)

Posisi Devisa
Neto/
Aset/ Liabilitas/ Net Open
Mata uang Assets Liabilities Position Currencies
Laporan Posisi Keuangan*) Statement of Financial Position*)

Euro 429.485 1.093.060 663.375 Euro
Ringgit Malaysia 23.339.097 1.080.887 22.258.210 Malaysian Ringgit
Dolar Singapura 2.933.156 4.201.237 1.268.081 Singapore Dollar
Jumlah 3.723.313.181 3.646.452.262 80.724.031 Total
Laporan Posisi Keuangan dan Statement of Financial Position
Rekening Administratif*) and Administrative Accounts*)
Euro 1.234.332 1.553.219 318.887 Euro
Ringgit Malaysia 790.527.364 790.241.146 286.218 Malaysian Ringgit
Dolar Singapura 2.933.156 4.201.237 1.268.081 Singapore Dollar
Jumlah 5.301.757.750 5.303.459.288 7.318.042 Total
Modal (Catatan 47) 4.805.945.867 Capital (Note 47)
NOP Ratio (Statement of Financial
Rasio PDN (Laporan Posisi Keuangan) 1,68% Position)
Rasio PDN (Keseluruhan) 0,15% NOP Ratio (Overall)
*) Merupakan penjumlahan absolut dari selisih aset dan *) Total absolute differences between Assets and Liabilities.
liabilitas.
- 148 -
2021 Annual Report
49. PERJANJIAN PENTING 49. SIGNIFICANT AGREEMENTS
Bank menandatangani beberapa perjanjian penting The Bank has signed several important agreements
seperti yang tersebut dibawah: as described below:
a. Perjanjian Kerjasama dengan PT Nomina a. Agreement with PT Nomina Teknograsi Indodata
Teknograsi Indodata tentang Pengadaan Seat regarding the Procurement of Desktop Device of
Management Perangkat Desktop dan Notebook Seat Management and Notebook, with a value of
pada tanggal 23 Mei 2019 dengan nilai kontrak Rp15,398,884. This agreement came into effect
sebesar Rp15.398.884. Perjanjian ini berlaku on May 23, 2019 and will expire on May 22,
mulai pada tanggal 23 Mei 2019 dan akan 2022.
berakhir pada tanggal 22 Mei 2022.
b. Perjanjian Kerjasama dengan PT Citra Sentosa b. Agreement with PT Citra Sentosa Solusindo
Solusindo tentang Pengadaan Infrastructure regarding the Procurement of Infrastructure
Storage dan Facility dengan nilai sebesar Storage and Facility, with a value of
Rp5.925.000. Perjanjian ini berlaku mulai Rp5,925,000. This agreement came into effect
pada tanggal 2 Desember 2019 dan akan on December 2, 2019 and will expire on
berakhir pada tanggal 25 November 2022. November 25, 2022.
c. Perjanjian Kerjasama dengan PT Simian Solutions c. Agreement with PT Simian Solutions regarding
tentang Jasa Implementasi Aplikasi Medallion Medallion Sales Application Implementation
Sales, dengan nilai kontrak sebesar Rp2.650.000. Services, with a value of Rp2,650,000. This
Perjanjian ini berlaku mulai pada tanggal agreement came into effect on December 22,
22 Desember 2020 dan akan berakhir pada 2020 and will expire on December 31, 2026.
tanggal 31 Desember 2026.
d. Addendum Pertama Perjanjian Kerjasama dengan d. First Addendum agreement with PT Nomina
PT Nomina Teknograsi Indodata tentang Teknograsi Indodata regarding the Procurement
Pengadaan dan Maintenance Firewall Fortinet, and Maintenance of Firewall Fortinet, with a
dengan nilai kontrak sebesar Rp1.690.000. value of Rp1,690,000. This agreement came into
Perjanjian ini berlaku mulai pada tanggal 3 effect on February 3, 2020 and will expire on
Februari 2020 dan akan berakhir pada tanggal 31 January 31, 2021.
Januari 2021.
e. Addendum Pertama Perjanjian Kerjasama dengan e. First Addendum agreement with PT Data Center
PT Data Center Integrasi tentang Maintenance Integrasi regarding the Maintenance of Mujair
Perangkat Data Center Mujair, dengan nilai Data Center Device, with a value of
kontrak sebesar Rp1.090.000. Perjanjian ini Rp1,090,000. This agreement came into effect
berlaku mulai pada tanggal 26 Februari 2020 on February 26, 2020 and will expire on
dan akan berakhir pada tanggal 31 Desember December 31, 2021.
2021.
f. Perjanjian Kerjasama dengan PT Mastersystem f. Agreement with PT Mastersystem Infotama

Infotama tentang Pengadaan Lisensi Microsoft regarding Microsoft Office 365 Licence
Office 365, dengan nilai kontrak sebesar Procurement, with a value of Rp2,845,000. This
Rp2.845.000. Perjanjian ini berlaku mulai pada agreement came into effect on March 16, 2020
tanggal 16 Maret 2020 dan akan berakhir pada and will expire on June 30, 2021.
tanggal 30 Juni 2021.
g. Addendum Pertama Perjanjian Kerjasama dengan g. First Addendum agreement with PT Midas Daya
PT Midas Daya Teknologi tentang Pengadaan Teknologi regarding the Procurement of My
Lisensi My Oracle Support Flexcube dan Annual Oracle Support Flexcube Licence and Annual
Technical Support Oracle Core Banking MCB, Technical Support of Oracle Core Banking MCB,
dengan nilai kontrak sebesar Rp8.880.000. with a value of Rp8,880,000. This agreement
Perjanjian ini berlaku mulai pada tanggal 1 April came into effect on April 1, 2020 and will expire
2020 dan akan berakhir pada tanggal 31 on December 31, 2021.
Desember 2021.
h. Perjanjian Layanan IMS dengan PT Infinitium h. Agreement of IMS Service with PT Infinitium
Solutions, dengan nilai kontrak sebesar Solutions, with a value of Rp1,005,000. This
Rp1.005.000. Perjanjian ini berlaku mulai pada agreement came into effect on April 1, 2020 and
tanggal 1 April 2020 dan akan berakhir pada will expire on February 26, 2023.
tanggal 26 Februari 2023.
- 149 -
49. PERJANJIAN PENTING (Lanjutan) 49. SIGNIFICANT AGREEMENTS (Continued)
Bank menandatangani beberapa perjanjian penting The Bank has signed several important agreements
seperti yang tersebut dibawah: (lanjutan) as described below: (continued)
i. Perjanjian Kerjasama dengan PT Digital Mind i. Agreement with PT Digital Mind System
System tentang pengadaan dan implementasi regarding the procurement and implementation
aplikasi Financing Origination System (FOS) of Financing Origination System Application, with
dengan nilai kontrak sebesar Rp9.900.000. a value of Rp9,900,000. This agreement came
Perjanjian ini berlaku mulai pada tanggal 17 into effect on October 17, 2018 and expired on
Oktober 2018 dan akan berakhir pada tanggal 2 December 2, 2020.
Desember 2020.
j. Perjanjian Kerjasama dengan PT Bumi Amartha j. Agreement with PT Bumi Amartha Teknologi
Teknologi Mandiri tentang Pengadaan dan Mandiri regarding the Procurement and
Maintenance Aplikasi Regulatory Report Maintenance of Regulatory Report ANTASENA
ANTASENA dan SLIK, dengan nilai kontrak dan SLIK Application, with a value of
sebesar Rp5.359.000. Perjanjian ini berlakumulai Rp5,359,200. This agreement came into effect
pada tanggal 22 Juli 2020 dan akan berakhir on July 22, 2020 and will expire on May 15,
pada tanggal 15 Mei 2023. 2023.
50. INFORMASI TAMBAHAN 50. ADDITIONAL INFORMATION
a. Pada tanggal 31 Desember 2021 dan 31 Desember a. As of December 31, 2021 and December 31, 2020,
2020 Bank memiliki rasio aset produktif yang the Bank's non-performing earning assets (gross)
diklasifikasikan non-performing bruto terhadap to total earning assets ratios are 1.27% and
total aset produktif masing masing sebesar 1,27% 2.99%, respectively.
dan 2,99%.
b. Pada tanggal 31 Desember 2021 dan 31 Desember b. As of December 31, 2021 and December 31, 2020,
2020 Bank memiliki piutang, pinjaman dan the Bank's gross non-performing financing (NPF)
pembiayaan yang non-performing (NPF) bruto to total receivables, funds and financing ratios are
terhadap total piutang, pinjaman dan pembiayaan 0.67% and 4.81%, respectively.
masing masing sebesar 0,67% dan 4,81% .
c. Pada tanggal 31 Desember 2021 dan 31 Desember c. As of December 31, 2021 and December 31, 2020,
2020 Bank memiliki piutang, pinjaman dan the Bank's net non-performing financing (NPF) to
pembiayaan yang non-performing (NPF) neto total receivables, funds and financing ratios are
terhadap total piutang, pinjaman dan pembiayaan 0.08% and 3.95% , respectively.
masing masing sebesar 0,08% dan 3,95%.
d. Rasio piutang dan pembiayaan terhadap total dana d. The ratios of receivables and financing to total
pihak ketiga masing masing pada tanggal 31 deposits as of December 31, 2021 and 2020 are
Desember 2021 dan 2020 sebesar 38,33% dan 38.33% and 69.84%, respectively.
69,84%.
- 150 -
2021 Annual Report
51. OPINI DEWAN PENGAWAS SYARIAH 51. OPINION OF THE SHARIA SUPERVISORY
BOARD
Berdasarkan surat No.094/B/CRD-SRT/VIII/2021 Based on letters No.094/B/CRD-SRT/VIII/2021 dated

tanggal 26 Agustus 2021 dan August 26, 2021 and No.022/B/CRD-SRT/II/2021
No.022/B/CRD-SRT/II/2021 tanggal 24 Februari 2021, dated February 24, 2021, for the years ended
untuk tahun yang berakhir pada tanggal 31 Desember December 31, 2021 and 2020, the Sharia Supervisory
2021 dan 2020, Dewan Pengawas Syariah (DPS) Bank Board expresses an opinion that the operations and
Muamalat menyatakan bahwa secara umum aspek products of PT Bank Muamalat Indonesia, Tbk have
syariah dalam operasional dan produk PT Bank complied with fatwa and sharia regulations issued by
Muamalat Indonesia, Tbk telah mengikuti fatwa dan the National Sharia Board of Indonesian Ulama
ketentuan syariah yang dikeluarkan oleh Dewan Council (DSN-MUI) and sharia opinion of DPS.
Syariah Nasional Majelis Ulama Indonesia (DSN-MUI)
serta opini syariah dari DPS.
52. PERISTIWA SETELAH TANGGAL LAPORAN 52. SUBSEQUENT EVENTS

KEUANGAN
1. Berdasarkan Akta Pernyataan Keputusan Rapat 1. Based on the Deed of Decision of the Extraordinary
Umum Pemegang Saham Luar Biasa No.18 General Meeting of Shareholders No.18 dated
Tanggal 28 Januari 2022, bahwa telah terjadi January 28, 2022, there has been a change in the
perubahan Anggaran dasar Bank sehubungan Articles of Association of the Bank in connection
dengan peningkatan modal dasar maupun modal with the increase in authorized and paid-up capital,
disetor, adapun komposisi pemegang saham : and the composition of shareholders is as follows:
28 Januari 2022 / January 28, 2022


Haji 232.408.095 0,46% 46.481.619 Haji
Apkindo MPI 133.136.480 0,27% 26.627.296 MPI
masing kepemilkan (each below
dibawah 5.000.000 5,000,000
saham) 460.842.720 0,92% 92.168.544 shares)

Haji 7.776.317.916 15,55% 777.631.792 Haji
Bank 1.020.770.234 2,04% 102.077.023 Bank
MBA, Ir. 169.500.000 0,34% 16.950.000 MBA, Ir.
Apkindo MPI 8.875.765 0,02% 887.577 MPI
masing kepemilikan (each below
dibawah 5.000.000 saham) 65.073.535 0,13% 6.507.353 5,000,000 shares)
- 151 -
52. PERISTIWA SETELAH TANGGAL LAPORAN 52. SUBSEQUENT EVENTS (Continued)

KEUANGAN (Lanjutan)
Tanggal 28 Januari 2022, bahwa telah terjadi January 28, 2022, there has been a change in the
perubahan Anggaran dasar Bank sehubungan Articles of Association of the Bank in connection
dengan peningkatan modal dasar maupun modal with the increase in authorized and paid-up capital,
disetor, adapun komposisi pemegang saham : and the composition of shareholders is as follows:
28 Januari 2022 / January 28, 2022

Jumlah saham/ Percentage Total paid-up
Nama pemegang saham Number of shares of ownership capital Name of shareholders
Saham Seri C C Series Shares

Badan Pengelola Keuangan Badan Pengelola Keuangan Haji
Haji 33.333.333.334 66,64% 1.000.000.000
MBA, Ir. 2.427.050.000 4,85% 72.811.500 MBA, Ir.
Apliani 1.240.266.012 2,48% 37.207.980 Apliani
Andre Latidjah 622.382.303 1,24% 18.671.469 Andre Latidjah
Siti Farida Syaiful 162.000.000 0,32% 4.860.000 Siti Farida Syaiful
Syaiful Amir 170.059.943 0,34% 5.101.798 Syaiful Amir
masing kepemilikan (each below
dibawah 5.000.000 saham) 9.914.914 0,02% 297.446 5,000,000 shares)
Jumlah Saham Seri C 39.810.039.107 79,59% 1.194.301.173 Total C Series Shares
Jumlah 50.017.741.442 100,00% 2.297.736.324 Total
Berdasarkan hasil laporan pemesanan dan Based on the results of the reservation and
penjatahan atas Penambahan Modal dengan Hak allotment report for Capital Increase with
Memesan Efek Telebih Dahulu VI (PMHMETD VI) Pre-emptive Rights VI (PMHMETD VI) dated
tanggal 9 Februari 2022, bahwa telah selesai February 9, 2022, the process of Capital Increase in
proses dari Penambahan Modal HMETD VI, Pre-emptive Rights VI has been completed. With
Terhadap perubahan Pemegang Saham Pengendali respect to the change in Controlling Shareholders,
tersebut, Bank telah melakukan Keterbukaan the Bank has made a Disclosure of Information or
Informasi atau Fakta Material sesuai dengan Material Facts in accordance with the provisions of
ketentuan Peraturan Otoritas Jasa Keuangan the Financial Services Authority Regulation ("POJK")
("POJK") No.31/POJK.04/2015 ten t ang No.31/POJK.04/2015 concerning Disclosure of
Keterbukaan atas Informasi atau Fakta Material Information or Material Facts by Issuers or Public
oleh Emiten atau Perusahaan Publik melalui surat Companies through the Harian Terbit newspaper
kabar Harian Terbit dan website Perseroan pada and the Company's website on February 08, 2022.
tanggal 08 Februari 2022.
BPKH telah mendapatkan persetujuan dari Otoritas BPKH has obtained approval from the Financial
Jasa Keuangan (OJK) sebagai pemegang saham Services Authority (0JK) as the controlling
pengendali Perseroan melalui surat dari Dewan shareholder of the Company under a letter from the
Komisioner Otoritas lasa Keuangan ("OJK") nomor Board of Commissioners of the Financial Services
KEP21/D.03/2022 tertanggal 4 Februari 2022 Authority ("OJK") number KEP21/D.03/2022 dated
tentang Hasil Penilaian Kemampuan dan Kepatutan February 4, 2022 regarding the Fit and Proper Test
Badan Pengelola Keuangan Haji selaku Calon Results of the Badan Pengelola Keuangan Haji as
Pemegang Saham Pengendali Perseroan. the Prospective Controlling Shareholder of the
Company.
- 152 -
2021 Annual Report
52. PERISTIWA SETELAH TANGGAL LAPORAN 52. SUBSEQUENT EVENTS (Continued)

KEUANGAN (Lanjutan)
Tanggal 28 Februari 2022, bahwa telah terjadi February 28, 2022, there has been a change in the
perubahan susunan Dewan Komisaris: composition of the Board of Commissioners:
28 Februari 2022 /
February 28, 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama President Commissioner
(Independen) Ilham Akbar Habibie (Independent)
Wakil Komisaris Utama Sulistyo Budi *) Vice President Commissioner
Komisaris (Independen) Iggi Haruman Achsien Commissioner (Independent)
Komisaris (Independen) Edy Setiadi Commissioner (Independent)
Komisaris Juni Supriyanto *) Commissioner
Komisaris Andre Mirza Hartawan *) Commissioner
*) Efektif setelah mendapat persetujuan Fit and *) Effective after passing the Fit and Proper Test by
Proper Test dari Otoritas Jasa Keuangan. the Financial Services Authority.
3. Berdasarkan Surat Keputusan Direksi 3. Based on the Decision Letter of the Board of
No.005/B/DIR-KPTS/II/2022 Tanggal 17 Februari Directors No.005/B/DIR-KPTS/II/2022 dated
2022, bahwa telah terjadi perubahan susunan February 17, 2022, there has been a change in the
Komite Audit adalah sebagai berikut: composition of the Audit Committee:
17 Februari 2022 /
February 17, 2022
Ketua Iggi Haruman Achsien Chairman

Anggota Dwi Sasongko Member
Anggota Tika Arundina Member
4. Berdasarkan akta Perjanjian Penerbitan Sukuk 4. Based on the Deed of Long Term Subordinated
Subordinasi Mudharabah Jangka Panjang yang Mudharabah Sukuk Issuance Agreement Carried
Dilakukan Tanpa Melalui Penawaran Umum Bank Out Without Public Offering of Bank Muamalat
Muamalat Indonesia Tahun 2022 yang tercantum Indonesia Year 2022 as stated in the Deed of
dalam akta Notaris Ashoya Ratam, S.H., M.Kn, Notary Ashoya Ratam, S.H., M.Kn, No. 09 dated
No. 09 tanggal 09 Maret 2022, Sukuk Subordinasi March 09, 2022, the 2022 Mudharabah
Mudharabah Tahun 2022 tersebut diterbitkan Subordinated Sukuk were issued and distributed
dan didistribusikan pada tanggal 15 Maret 2022. on March 15, 2022. The 2022 Mudharabah
Sukuk Subordinasi Mudharabah Tahun 2022 Subordinated Sukuk are subordinated securities
tersebut merupakan surat berharga yang bersifat with a principal amount of Rp2,000,000,000
Subordinasi dengan jumlah pokok sebesar issued by the Bank to BPKH not through a public
Rp2.000.000.000 yang diterbitkan oleh Bank offering, but through a private placement
kepada BPKH tidak melalui penawaran umum instead, with a period of 10 years from the date
(public offering) tetapi dilakukan dengan of issuance, with the ratio of sukuk holders of
mekanisme penawaran terbatas ( private 41.96%. The Bank has obtained a statement of
placement) dengan jangka waktu 10 tahun sejak effectiveness from the Financial Services
tanggal penerbitan, Nisbah pemegang sukuk Authority under their letter No. S-53/PB.34/2022
sebesar 41,96%. Bank telah memperoleh dated March 22, 2022 to take into account the
pernyataan efektif dari OJK melalui surat sukuk as a component of complementary capital.
No.S-53/PB.34/2022 tanggal 22 Maret 2022 Therefore, the CAR as of December 31, 2021
untuk dapat memperhitungkan sukuk tersebut after taking into account the said sukuk is
sebagai komponen modal pelengkap, sehingga increased from 23.76% to 32.92% (unaudited).
rasio KPMM tanggal 31 Desember 2021 setelah
memperhitungkan sukuk tersebut dari 23,76%
menjadi 32,92% (tidak diaudit).
- 153 -
53. PENYELESAIAN LAPORAN KEUANGAN 53. COMPLETION OF FINANCIAL STATEMENTS
Manajemen Bank bertanggung jawab dalam The Bank’s management is responsible for the
penyusunan laporan keuangan yang telah preparation of the financial statements that were
diselesaikan dan disetujui untuk diterbitkan oleh completed and authorized for issue by the Board of
Direksi pada tanggal 28 Maret 2022. Directors on March 28, 2022.
- 154 -
2021 Annual Report

LAMPIRAN
Surat Edaran Otoritas Jasa Keuangan Republik Indonesia
No. 10/SEOJK.03/2020 tentang Transparansi dan Publikasi
Laporan Bank Umum Syariah dan Unit Usaha Syariah
ATTACHMENT
Financial Services Authority Circular Letter No. 10/SEOJK.03/2020 concerning
Transparency and Publication of Reports for Islamic Commercial Banks and Sharia Business
Units
Halaman
Page
PERIODE TAHUNAN ANNUAL PERIOD
1. Ruang Lingkup 1. Scope
a. Laporan publikasi keuangan dan informasi kinerja a. Annual report of published financial statements
keuangan BUS tahunan meliputi: √ and information on financial performance of Sharia
Commercial Banks (BUS) covers:
1) informasi umum; √ 1) general information;
2) informasi kinerja keuangan; √ 2) information on financial performance;
3) eksposur risiko dan permodalan; √ 3) risk exposure and capital;
4 tata kelola; √ 4) governance;
5) laporan keuangan tahunan yang telah diaudit; 5) audited financial statements; and
√
dan
6) informasi terkait dengan kelompok usaha BUS. 6) related information on BUS business group.
b. Uraian masing-masing ruang lingkup sebagai b. Description of the respective scope of discussions
berikut: are as follow:
1) Informasi Umum 1) General Information
Informasi umum dalam laporan publikasi General information in the annual report
keuangan dan informasi kinerja keuangan of published financial statements and
8-183; 186-231
tahunan BUS paling sedikit meliputi: information on financial performance of BUS
cover at the very least:
a) Ikhtisar Data Keuangan Penting 8-9 a) Financial Highlights
Ikhtisar data keuangan penting memuat The Financial Highlights section presents
informasi keuangan yang disajikan dalam financial information in a comparative
bentuk perbandingan selama 2 (dua) format for 2 (two) financial years, or since
Tahun Buku atau sejak BUS melakukan the BUS began its business for BUS that
8-9
kegiatan usaha, bagi BUS yang melakukan has been in business for less than 2 (two)
kegiatan usaha kurang dari 2 (dua) tahun. years. At the very least, financial highlights
Ikhtisar data keuangan penting paling covers:
sedikit meliputi:
(1) net pendapatan setelah distribusi bagi (1) net revenues after distribution of
8
hasil, imbalan, dan bonus; profit sharing, fees and bonuses;
(2) laba/rugi operasional; 8 (2) operating profit/loss;
(3) laba/rugi sebelum pajak; 8 (3) profit/loss before taxes;
(4) laba/rugi bersih; 8 (4) net profit/loss;
(5) total laba/rugi komprehensif; 8 (5) total comprehensive profit/loss;
(6) laba bersih per saham; 8 (6) net income per share;
(7) jumlah aset; 8 (7) total assets;
(8) jumlah liabilitas; 8 (8) total liabilities;
(9) jumlah ekuitas; 8 (9) total equity;
(10) aset produktif; 8 (10) earning assets;
(11) dana pihak ketiga; 8 (11) third party funds;
(12) pembiayaan yang diterima; 8 (12) borrowings;

2021 Annual Report
Halaman
Page
(13) rasio keuangan, paling sedikit (13) financial ratios, at least of:
9
meliputi:
i. rasio KPMM; 9 i. CAR;
ii. rasio ROA; 9 ii. ROA;
iii. rasio ROE; 9 iii. ROE;
iv. rasio BOPO; 9 iv. BOPO;
v. rasio CIR; 9 v. CIR;
vi. persentase pelanggaran dan vi. percentage of LLL violation and
9
pelampauan BMPD; exceedance;
vii. GWM; 9 vii. mandatory minimum reserves;
viii. rasio PDN; 9 viii. net open position;
ix. rasio NPF gross dan net; dan 9 ix. NPF gross and NPF net; and
x. rasio laba/rugi terhadap x. profit/loss to revenue ratio; and
9
pendapatan; dan
(14) informasi lain yang relevan 8-9 (14) other relevant information.
b) Profil BUS 64-183 b) Profile of BUS
Profil BUS paling sedikit meliputi: The profile of BUS covers at least:
(1) nama BUS termasuk apabila terdapat (1) the name of BUS, including if there
perubahan nama, alasan perubahan, has been a change of name, the
64
dan tanggal efektif perubahan nama reason for the change, and effective
pada Tahun Buku; date of name in the Fiscal Year;
(2) informasi mengenai kantor pusat (2) information on the head office of BUS
BUS yang memungkinkan masyarakat where the general public may obtain
64
dapat memperoleh informasi information about the BUS, covering:
mengenai BUS meliputi:
i. alamat; √ i. address;
ii. nomor telepon; √ ii. telephone number;
iii. nomor faksimile; √ iii. fax number;
iv. alamat surat elektronik; dan √ iv. e-mail address; and
v. alamat situs web; √ v. web site address;
(3) riwayat singkat BUS; 66-68 (3) brief profile of BUS;
(4) visi dan misi BUS; 72 (4) vision and mission of BUS;
(5) kegiatan usaha menurut anggaran (5) line(s) of business according to the
dasar terakhir, kegiatan usaha yang latest articles of association, business
74-76
dijalankan pada Tahun Buku, serta activities performed in the Fiscal Year,
jenis produk dan aktivitas; and types of products and activities;
(6) struktur organisasi BUS, paling sedikit (6) organization structure of BUS, at the
sampai dengan 1 (satu) tingkat di very least to 1 (one) level below the
104-105
bawah direksi yang disertai dengan Directors, with name and position;
nama dan jabatan;
(7) susunan dan komposisi pemegang (7) shareholding structure and
saham, yaitu nama pemegang saham composition, that is, names of
171-176
dan persentase kepemilikan saham, shareholders and percentage of
termasuk: share-ownership, including:
i. pemegang saham yang memiliki i. shareholders with a minimum of
paling sedikit 5% (lima persen) 172 5% (five percent) of shares of the
saham BUS; BUS;
ii. anggota direksi dan anggota ii. members of the board
dewan komisaris yang memiliki of directors and board of
172
saham BUS; commissioners that hold shares
of the BUS;
iii. kelompok pemegang saham iii. public shareholders, that is,
masyarakat, yaitu kelompok shareholders that each held less
pemegang saham yang masing- than 5% (five percent) of shares
172
masing memiliki kurang dari 5% of the BUS (if any); and
(lima persen) saham BUS (jika
ada); dan

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iv. informasi mengenai pemegang iv. information on the controlling
saham pengendali BUS sampai shareholder(s) of the BUS,
kepada pemilik individu, yang - up to the individual ultimate
disajikan dalam bentuk skema shareholders, presented in a
atau bagan; schematic diagram or chart;
(8) profil Direksi, Dewan Komisaris, dan (8) profiles of the Board of Directors,
DPS, paling sedikit meliputi: Board of Commissioners, and the DPS
108-145
(Sharia Supervisory Board), covering
at least:
i. susunan Direksi, Dewan i. structure of the Board
Komisaris, dan DPS, serta jabatan of Directors, Board of
√
dan ringkasan riwayat hidup. Commissioners and DPS, as well
as position and curriculum vitae.
Dalam hal terdapat perubahan In the event of changes in the
susunan anggota Direksi, membership composition
anggota Dewan Komisaris, dan/ of the Board of Directors,
atau anggota DPS yang terjadi Board of Commissioners and/
setelah Tahun Buku berakhir or DPS occurring subsequent
sampai dengan batas waktu to the end of the Fiscal Year
penyampaian laporan publikasi and up to the deadline for
keuangan dan informasi kinerja submission of the annual
√
keuangan tahunan, susunan report of published financial
yang dicantumkan yaitu susunan statements and information
Direksi, Dewan Komisaris, dan/ on financial performance,
atau DPS sebelum dan setelah membership composition of
perubahan; the Board of Directors, Board of
Commissioners and DPS shall be
presented both prior and after
the change;
ii. foto terbaru; √ ii. latest photograph;
iii. usia; √ iii. age;
iv. kewarganegaraan; √ iv. citizenship;
v. riwayat pendidikan; √ v. education;
vi. riwayat jabatan, meliputi vi. work history, with information on:
√
informasi:
(i) nomor dan tanggal akta (i) number and date of deed of
pengesahan, persetujuan, ratification, letter of approval
dan/atau pencatatan dari and/or record from the
instansi yang berwenang atas relevant authority regarding
√
penunjukan sebagai anggota the appointment as member
direksi, anggota dewan of the Board of Directors,
komisaris, dan anggota DPS; Board of Commissioners or
DPS;
(ii) rangkap jabatan anggota (ii) concurrent position(s) of
direksi, anggota dewan members of the Board
komisaris, dan anggota DPS √ of Directors, Board of
(jika ada); dan Commissioners and DPS (if
any); and
(iii) pengalaman dan periode (iii) prior work experience and
kerja, baik di dalam maupun √ period of service, in or
di luar BUS; outside the BUS;
vii. pendidikan dan/atau pelatihan vii. education and/or training
yang telah diikuti anggota Direksi, attended by members of the
anggota Dewan Komisaris, dan √ Board of Directors, Board of
anggota DPS selama Tahun Buku Commissioners, and DPS during
(jika ada); dan the Fiscal Year (if any); and
viii. hubungan keuangan, viii. financial, management and
kepengurusan, kepemilikan share ownership relations,
saham, dan/atau hubungan and/or family relationship
keluarga dengan anggota Direksi, with members of the Board
anggota Dewan Komisaris, of Directors, members of the
dan/atau pemegang saham Board of Commissioners, and/or
√
pengendali (jika ada) dan nama controlling shareholders (if any)
anggota direksi, anggota dewan and names of the members of
komisaris, dan/atau pemegang the Board of Directors, members
saham pengendali tersebut; of the Board of Commissioners,
and/or the controlling
shareholder;

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(9) profil singkat pejabat eksekutif, (9) brief profiles of executive officers,
yang meliputi susunan, jabatan, dan 146-152 with structure, position and summary
ringkasan riwayat hidup; curriculum vitae;
(10) jumlah pegawai dan deskripsi sebaran (10) number of employees and employee
tingkat pendidikan dan usia pegawai 153-155 grouping by education and age in the
dalam Tahun Buku; Fiscal Year;
(11) nama dan alamat lembaga dan/atau (11) names and address of supporting
180-181
profesi penunjang. professionals/institutions.
Dalam hal terdapat lembaga dan/atau In the event of supporting
profesi penunjang yang memberikan professionals/institutions that provide
jasa secara berkala kepada BUS, regular services to the BUS, such as
misalnya kantor akuntan publik √ a public accountant firm or notary,
dan notaris, diungkapkan informasi should be disclosed information on
mengenai jasa yang diberikan, komisi services provided, commission (fee)
(fee), dan periode penugasan; dan paid, and period of assignment; and
(12) penghargaan dan/atau sertifikasi (12) award and/or certification received
yang diterima BUS, baik yang berskala by the BUS, at the national and
nasional maupun internasional dalam 14-15 international level, in the last Fiscal
Tahun Buku terakhir (jika ada), yang Year (if any), that covers:
meliputi:
i. nama penghargaan dan/atau i. name of award and/or
√
sertifikasi; certification;
ii. badan atau lembaga yang ii. organization/institution that
memberikan penghargaan dan/ √ issued the award and/or
atau sertifikasi; dan certification; and
iii. masa berlaku penghargaan dan/ iii. validity period of award and/or
√
atau sertifikasi (jika ada). certification (if any).
c) Laporan Direksi 43-59 c) Report of the Board of Directors
Laporan Direksi paling sedikit meliputi The report of the Board of Directors
uraian singkat mengenai kinerja BUS yang should at least present brief information
terdiri atas: on the performance of the BUS,
comprising of:
(1) strategi dan kebijakan yang (1) strategy and policies taken;
45-46
ditetapkan;
(2) perbandingan antara hasil yang (2) comparison between achievements
47-48
dicapai dengan yang ditargetkan; and targets;
(3) kendala yang dihadapi BUS; 45 (3) constraints faced by the BUS;
(4) gambaran tentang prospek usaha; 49 (4) overview of business prospects;
(5) penerapan tata kelola BUS; (5) implementation of governance at the
51-52
BUS;
(6) perubahan komposisi anggota direksi (6) changes in membership composition
dan alasan perubahannya (jika ada); 54 of the Board of Directors and the
reason for such changes (if any);
(7) aktivitas utama; 88 (7) primary activities;
(8) teknologi informasi; 52 (8) information technology;
(9) penyaluran pembiayaan kepada (9) financing to customers in the MSME
-
nasabah UMKM; segment;
(10) persentase imbalan penghimpunan (10) percentage of fees in funding and
-
dan penyaluran dana; financing;
(11) perkembangan perekonomian dan (11) economic development and market
88
target pasar; target;
(12) jaringan kerja dan mitra usaha di (12) business partners and networks,
89
dalam dan/atau di luar negeri; domestic and/or overseas;
(13) jumlah, jenis, dan lokasi jaringan (13) number, type and location of branch
90-101
kantor BUS; offices of BUS;
(14) kepemilikan direksi, dewan komisaris, (14) ownership by the Board of Directors,
dan pemegang saham dalam Board of Commissioners and
172
kelompok usaha BUS; shareholders in the business group of
BUS;
(15) perubahan penting yang terjadi pada (15) significant changes occurring at the
BUS dan kelompok usaha BUS dalam 544-45 BUS and business group of BUS in the
tahun yang bersangkutan; current year;

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(16) hal penting yang diperkirakan terjadi (16) prediction of significant future issues;
50
pada masa mendatang; dan and
(17) sumber daya manusia, meliputi (17) information on human resources,
jumlah, tingkat pendidikan, pelatihan, covering number, education
53
dan pengembangan sumber daya level, training and competence
manusia. development programs attended.
d) Laporan Dewan Komisaris 29-41 d) Report of the Board of Commissioners
Laporan Dewan Komisaris paling sedikit The report of the Board of Commissioners
meliputi: should at least covers:
(1) penilaian terhadap kinerja direksi (1) assessment of the performance
mengenai pengelolaan BUS; 30-32 of the Board of Directors in the
management of the BUS;
(2) hasil pengawasan terhadap (2) supervision on the implementation of
32-34
implementasi strategi BUS; strategies of the BUS;
(3) tanggapan atas prospek usaha BUS (3) opinion on the business prospects
yang disusun oleh direksi; 34 of BUS as prepared by the Board of
Directors;
(4) tanggapan atas penerapan tata kelola (4) opinion on the implementation of
35
BUS; governance at the BUS;
(5) perubahan komposisi anggota dewan (5) changes in the membership
komisaris dan alasan perubahannya composition of the Board of
37-38
(jika ada); dan Commissioners and the reason for
such changes (if any); and
(6) frekuensi dan mekanisme pemberian (6) frequency and mechanism for
nasihat kepada anggota Direksi. 36 advising the members of the Board of
Directors.
2) Informasi Kinerja Keuangan 193-231 2) Information on Financial Performance
Informasi kinerja keuangan meliputi analisis Information on financial performance includes
dan pembahasan manajemen yang memuat a management discussion and analysis
analisis dan pembahasan mengenai laporan presenting an analysis and discussion of
keuangan dan informasi penting lain dengan financial statements accounts and other
penekanan pada perubahan material yang important information with an emphasis on
terjadi dalam Tahun Buku, yang paling sedikit material changes that occurred during the
meliputi: Fiscal Year, which at least includes:
a) tinjauan kinerja per segmen usaha antara a) review of performance by business
lain segmen konsumer, segmen ritel, atau 193-203 segments, such as consumer, retail or
segmen korporasi paling sedikit mengenai: corporate segments, at least covering:
(1) pendapatan; dan √ (1) revenues; and
(2) profitabilitas; √ (2) profitability;
b) tinjauan kinerja keuangan yang mencakup b) review of financial performance,
perbandingan kinerja keuangan tahun comparing current year financial
berjalan dengan tahun sebelumnya, performance with those in the preceding
204-231
penjelasan mengenai penyebab adanya year, as well as explanation for changes
perubahan dan dampak perubahan in the accounts and the impact of such
tersebut, yang paling sedikit meliputi: changes, covering at least:
(1) penyaluran dana (investasi dan (1) fund disbursement (investment and
204
pembiayaan) dan total aset; financing) and total assets;
(2) dana pihak ketiga dan sumber (2) third party funds and other sources of
206
pendanaan lain; funding;
(3) ekuitas; 207 (3) equity;
(4) pendapatan, beban, laba/rugi, (4) revenues, expenses, profit/loss, other
penghasilan komprehensif lain, dan 208-209 comprehensive income, and total
total laba/rugi komprehensif; dan comprehensive profit/loss; and
(5) arus kas; 210-211 (5) cash flows;
c) analisis kualitas aset produktif dan rasio c) analysis of earning asset quality and
211-212
keuangan; financial ratios;
d) struktur permodalan; 217-218 d) capital structure;
e) informasi atau fakta material yang terjadi e) material information or fact subsequent
setelah tanggal laporan akuntan publik 220 to the date of public accountant report (if
(jika ada); any);

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f) aspek pemasaran produk dan aktivitas f) marketing aspects of products and
BUS, paling sedikit mengenai strategi activities of the BUS, containing at least
221-222
pemasaran dan pangsa pasar; information on marketing strategy and
market share;
g) uraian mengenai dividen selama 2 (dua) g) description of dividend distribution
Tahun Buku terakhir (jika ada), paling 223 during the last 2 (two) Fiscal Years (if any),
sedikit: disclosing at least:
(1) kebijakan dividen; √ (1) dividend policy;
(2) tanggal pembayaran dividen kas dan/ (2) date of payment of cash dividend
atau tanggal distribusi dividen nonkas; - and/or date of distribution of non-
cash dividend;
(3) jumlah dividen per saham, baik (3) earning per share, cash or non-cash;
-
berupa kas maupun nonkas;
(4) jumlah pembayaran dividen per (4) amount of dividend payment in the
-
tahun; year;
(5) perubahan ketentuan peraturan (5) changes in laws and regulations with
perundang- undangan yang significant impact to the BUS and
berpengaruh signifikan terhadap BUS 228-229 the impact thereof to the financial
dan dampaknya terhadap laporan statements (if any); and
keuangan (jika ada); dan
(6) perubahan kebijakan akuntansi, (6) changes in accounting policies, reason
alasan dan dampaknya terhadap for such changes, and the impact
230
laporan keuangan (jika ada); thereof to the financial statements (if
any);
h) laporan distribusi bagi hasil; 215 h) report of distribution of profit sharing;
i) laporan sumber dan penyaluran dana i) report of sources and utilization of zakat
215
zakat dan wakaf; dan and wakaf funds; and
j) laporan sumber dan penggunaan dana j) report of sources and utilization of social
216
kebajikan. donation funds.
3) Eksposur Risiko dan Permodalan 273-274 3) Risk exposure and capital
Ruang lingkup eksposur risiko dan permodalan The scope of discussions on risk exposure and
mengacu pada Lampiran Surat Edaran Otoritas capital shall refers to the Attachment to this
Jasa Keuangan ini. OJK Circular Letter.
4) Tata Kelola 345-581 4) Governance
a) Informasi tata kelola √ a) Information on governance
Dalam hal BUS mengungkapkan informasi In the event that BUS discloses
tata kelola sebagai bagian yang tidak information on governance as an
terpisahkan dari laporan publikasi inseparable part of the annual report
keuangan dan informasi kinerja keuangan of published financial statements and
tahunan, ruang lingkup informasi tata information on financial performance,
kelola sesuai dengan ketentuan peraturan the scope of governance information
perundang-undangan mengenai is in accordance with the provisions
pelaksanaan Good Corporate Governance of laws and regulations regarding the
bagi bank umum syariah dan unit usaha implementation of good corporate
syariah serta Peraturan Otoritas Jasa governance for sharia commercial
Keuangan mengenai penerapan tata banks and sharia business units as well
kelola dalam pemberian remunerasi as regulations of the Financial Services
bagi bank umum syariah dan unit usaha Authority concerning the implementation
syariah. of governance in providing remuneration
for sharia commercial banks and sharia
business units.
b) Laporan Keberlanjutan √ b) Sustainability Report
(1) Laporan keberlanjutan sesuai dengan (1) The sustainability report should
ketentuan Peraturan Otoritas Jasa conform with relevant regulations
Keuangan mengenai penerapan from OJK on the implementation
√
keuangan berkelanjutan bagi of sustainable finance for financial
lembaga jasa keuangan, Emiten, dan services institutions, issuers, and
Perusahaan Publik. public companies.

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Dalam hal BUS menyusun laporan In the event that BUS prepares the
keberlanjutan sebagai bagian yang sustainability report as an inseparable
tidak terpisahkan dari laporan part of the annual report of published
publikasi keuangan dan informasi financial statements and information
kinerja keuangan tahunan, ruang on financial performance, the scope
lingkup laporan keberlanjutan sesuai √ of such sustainability report should
dengan ketentuan Peraturan Otoritas conform with relevant regulations
Jasa Keuangan mengenai penerapan from OJK on the implementation
keuangan berkelanjutan bagi of sustainable finance for financial
lembaga jasa keuangan, Emiten, dan services institutions, issuers, and
Perusahaan Publik. public companies.
(2) Laporan tanggung jawab sosial (2) Social and environmental
dan lingkungan BUS sesuai responsibility report of the BUS in
dengan ketentuan peraturan accordance with laws and regulations
perundang-undangan mengenai on social and environmental
tanggung jawab sosial dan responsibility for limited liability
lingkungan perseroan terbatas. companies.
584-614
Informasi mengenai tanggung jawab Information on social and
sosial dan lingkungan meliputi environmental responsibility covers
kebijakan, jenis program, dan biaya management policies, types of
yang dikeluarkan, antara lain terkait programs, and costs expended,
aspek: among other things in aspects of:
(a) lingkungan hidup; 599-602 (a) environment;
(b) praktik ketenagakerjaan; 603-608 (b) labor practices;
(c) praktik kegiatan institusi yang (c) sound institutional practices;
597-599
sehat;
(d) konsumen; dan 608-611 (d) consumer; and
(e) pengembangan masyarakat. 612-614 (e) community development.
Dalam hal BUS menyajikan In the event that BUS presents
informasi mengenai tanggung information on social and
jawab sosial dan lingkungan environmental responsibility in a
pada laporan tersendiri seperti separate report such as in a social
laporan tanggung jawab sosial and environmental responsibility
dan lingkungan atau laporan report or a sustainability report,
keberlanjutan (sustainability the BUS is exempted from
report), BUS dikecualikan untuk disclosing information regarding
mengungkapkan informasi social and environmental
mengenai tanggung jawab sosial responsibility in the annual report
dan lingkungan dalam laporan of published financial statements
publikasi keuangan dan informasi and information on financial
kinerja keuangan tahunan. performance.
5) Laporan Keuangan yang Telah Diaudit 618-785 5) Audited Financial Statements
Laporan keuangan yang telah diaudit oleh The financial statements that have been
akuntan publik dan kantor akuntan publik audited by a public accountant and public
yang terdaftar di Otoritas Jasa Keuangan, yang accountan firm registered with the OJK, which
meliputi: covers:
a) laporan posisi keuangan; √ a) statement of financial position;
b) laporan laba rugi dan penghasilan b) statement of profit or loss and other
√
komprehensif lain; comprehensive income;
c) laporan perubahan ekuitas; √ c) statement of changes in equity;
d) laporan arus kas; dan √ d) statement of cash flows; and
e) catatan atas laporan keuangan, termasuk e) notes to the financial statements,
informasi mengenai komitmen dan √ including information on commitments
kontinjensi. and contingencies.
6) Informasi Terkait dengan Kelompok Usaha 6) Information related to the business group of
BUS BUS
Bagi BUS yang merupakan bagian dari suatu For BUS that is part of a business group and/
kelompok usaha dan/atau memiliki Entitas or that have a Subsidiary Entity, the following
Anak, menambahkan laporan publikasi information should be included in the annual
keuangan dan informasi kinerja keuangan report of published financial statements and
tahunan dengan: information on financial performance:
a) struktur kelompok usaha BUS yang a) structure of BUS business group, covering:
176
meliputi:

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(1) struktur kelompok usaha BUS, yang (1) structure of BUS business group,
antara lain terdiri dari BUS, Entitas comprising the BUS, Subsidiary Entity,
Anak, perusahaan terelasi, Entitas √ Related Entity, Parent Entity, and up to
Induk sampai dengan ultimate the ultimate shareholder;
shareholder;
(2) struktur keterkaitan kepengurusan (2) management relationship among
dalam kelompok usaha BUS; dan - companies in the BUS business group;
and
(3) pemegang saham yang bertindak (3) shareholders acting in concert
atas nama pemegang saham lain -
(shareholders acting in concert).
Pemegang saham yang bertindak Shareholders acting in concert
atas nama pemegang saham lain refer to individual or institutional
adalah pemegang saham perorangan shareholders with a common
atau entitas yang memiliki tujuan - objective of controlling the BUS, with
bersama yaitu mengendalikan BUS, or without a formal agreement;
berdasarkan atau tidak berdasarkan
suatu perjanjian;
b) transaksi antara BUS dengan pihak b) transactions between the BUS and related
berelasi dalam kelompok usaha BUS, parties in the BUS business group, with
225-228
dengan memperhatikan hal sebagai consideration of the followings:
berikut:
(1) informasi transaksi dengan pihak (1) information on transactions with
berelasi, baik yang dilakukan BUS related parties, whether conducted
maupun yang dilakukan oleh setiap 226 by BUS or by any entity in the BUS
entitas di dalam kelompok usaha BUS business group in the financial sector;
di bidang keuangan;
(2) pihak berelasi adalah pihak-pihak (2) related parties are parties defined as
sebagaimana diatur dalam standar 226 such in relevant financial accounting
akuntansi keuangan; standards;
(3) jenis transaksi dengan pihak berelasi, (3) types of transaction with related
226
antara lain: parties, including:
(a) kepemilikan silang (cross (a) cross shareholding;
√
shareholding);
(b) transaksi dari suatu kelompok (b) transactions by a business group
usaha yang bertindak untuk performed in the interest of
√
kepentingan kelompok usaha another business group;
lain;
(c) pengelolaan likuiditas jangka (c) short-term liquidity management
√
pendek dalam kelompok usaha; in the business group;
(d) penyediaan dana yang diberikan (d) funding provided to, or received
atau diterima oleh entitas lain √ by, another entity in a business
dalam satu kelompok usaha; group;
(e) eksposur kepada pemegang (e) exposure to a majority
saham mayoritas antara lain shareholder in the form
dalam bentuk pinjaman, √ of, among others, loans,
komitmen, dan kontinjensi; dan commitments and contingencies;
and
(f) pembelian, penjualan, dan/atau (f) transactions for the purchase,
penyewaan aset dengan entitas sale and/or rental of assets with
lain dalam suatu kelompok another entity in the business
√
usaha, termasuk yang dilakukan group, including transactions with
dengan repurchase agreement repurchase agreement (repo);
(repo);
c) transaksi dengan pihak berelasi yang c) transactions with related parties
dilakukan oleh setiap entitas dalam - conducted by each entity in the BUS
kelompok usaha BUS di bidang keuangan; business group in the financial sector;
d) penyediaan dana, komitmen, atau fasilitas d) the provision of funding, commitments or
lain yang dapat dipersamakan dengan equivalent facilities from an entity in the
itu dari setiap entitas yang berada dalam BUS business group to the customers and/
-
satu kelompok usaha dengan BUS kepada or parties that already received financing
nasabah dan/atau pihak yang telah from the BUS;
memperoleh penyaluran dana dari BUS;

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e) adanya larangan, batasan, dan/atau e) existence of a prohibition, restriction, and/
hambatan signifikan lain untuk melakukan or other significant constraint to transfer
transfer dana atau untuk pemenuhan funds or to fulfil the required regulatory
modal yang dipersyaratkan oleh otoritas - capital between BUS and other entities in
(regulatory capital) antara BUS dengan a business group; and
entitas lain dalam satu kelompok usaha;
dan
f) nama dan alamat Entitas Anak, f) name and address of Subsidiary Entity,
perusahaan asosiasi, perusahaan associated entities and joint venture
ventura bersama dimana BUS memiliki entities where the BUS have a common
pengendalian bersama entitas, beserta 180 control with the entity, along with the
persentase kepemilikan saham, bidang percentage of share-ownership, line of
usaha, total aset, dan status operasi BUS business, total assets and operational
tersebut (jika ada). status of the BUS (if any).
c. BUS yang merupakan Emiten dan/atau Perusahaan c. The BUS that is an Issuer and/or a Public Company
Publik menambahkan ruang lingkup informasi should include in addition the scope of information
sesuai dengan ketentuan Peraturan Otoritas Jasa √ in accordance with the provisions of OJK Regulation
Keuangan mengenai laporan tahunan emiten atau regarding the annual report of issuer or public
perusahaan publik. company.

2021 Annual Report
REFERENSI SEOJK
No. 16/SEOJK.04/2021:
Laporan Tahunan Emiten atau Perusahaan Publik
SEOJK Reference
No. 16/SEOJK.04/2021: Annual Report of Public Company
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I. Ketentuan Umum I. General Provision
1. Dalam Surat Edaran Otoritas Jasa Keuangan ini √ 1. In this Financial Services Authority Circular Letter
yang dimaksud dengan: what is meant by:
a. Laporan Tahunan adalah laporan √ a. The Annual Report is a report on the Board
pertanggungjawaban Direksi dan Dewan of Directors and Board of Commissioners
Komisaris dalam melakukan pengurusan accountability in managing and supervising
dan pengawasan terhadap emiten issuers or public companies within a
atau perusahaan publik dalam kurun period of 1 (one) fiscal year to the general
waktu 1 (satu) tahun buku kepada rapat meeting of shareholders prepared based
umum pemegang saham yang disusun on the provisions of the Financial Services
berdasarkan ketentuan dalam Peraturan Authority Regulation concerning the Annual
Otoritas Jasa Keuangan mengenai Laporan Report of issuers or public companies
Tahunan emiten atau perusahaan publik.
b. Emiten adalah pihak yang melakukan √ b. Issuers are parties who make public
penawaran umum. offerings
c. Perusahaan Publik adalah perseroan yang √ c. A Public Company is a company whose
sahamnya telah dimiliki paling sedikit shares are owned by at least 300 (three
oleh 300 (tiga ratus) pemegang saham hundred) shareholders and has a paid-up
dan memiliki modal disetor paling sedikit capital of at least Rp3,000,000,000.00 (three
Rp3.000.000.000,00 (tiga miliar rupiah) atau billion rupiah) or a number of shareholders
suatu jumlah pemegang saham dan modal and paid-up capital as determined by the
disetor yang ditetapkan oleh Otoritas Jasa Financial Services Authority
Keuangan.
d. Perusahaan Terbuka adalah Emiten yang √ d. A Public Company is an Issuer that has
telah melakukan penawaran umum efek made a public offering of equity securities
bersifat ekuitas atau Perusahaan Publik. or a Publically- listed Company
e. Laporan Keberlanjutan (Sustainability Report) √ e. A Sustainability Report is a report published
adalah laporan yang diumumkan kepada to the public that contains the economic,
masyarakat yang memuat kinerja ekonomi, financial, social, and environmental
keuangan, sosial, dan lingkungan hidup performance of a financial service
suatu lembaga jasa keuangan, Emiten, dan institution, Issuer, and Public Company in
Perusahaan Publik dalam menjalankan running a sustainable business
bisnis berkelanjutan.
f Direksi: f Board of Directors:
1) bagi Emiten atau Perusahaan Publik √ 1) For an Issuer or a Public Company in
berbentuk badan hukum perseroan the form of a limited liability company,
terbatas adalah Direksi sebagaimana it is the Board of Directors as referred
dimaksud dalam Peraturan Otoritas to in the Financial Services Authority
Jasa Keuangan mengenai Direksi Regulation concerning the Board of
dan Dewan Komisaris Emiten atau Directors and Board of Commissioners
Perusahaan Publik; dan of an Issuer or Public Company; and
berbentuk badan hukum selain the form of a legal entity other than a
perseroan terbatas adalah organ limited liability company, it is the body
yang melaksanakan pengurusan that carries out the management of the
badan hukum tersebut sebagaimana legal entity as referred to in the laws
dimaksud dalam peraturan perundang- and regulations concerning the legal
undangan mengenai badan hukum entity.
tersebut.

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g. Dewan Komisaris: g. Board of Commissioners:
terbatas adalah Dewan Komisaris the Board of Commissioners as
sebagaimana dimaksud dalam referred to in the Financial Services
Peraturan Otoritas Jasa Keuangan Authority Regulation concerning
mengenai Direksi dan Dewan Komisaris the Board of Directors and Board of
Emiten atau Perusahaan Publik; dan Commissioners of an Issuer or Public
Company; and
2) bagi Emiten atau Perusahaan Publik √ 2) For the Issuer or Public Company in
berbentuk badan hukum selain the form of a legal entity other than
perseroan terbatas adalah organ yang a limited liability company, it is the
melakukan pengawasan badan hukum body that supervises the legal entity as
tersebut sebagaimana dimaksud dalam referred to in the laws and regulations
peraturan perundang- undangan concerning the legal entity.
mengenai badan hukum tersebut.
h. Rapat Umum Pemegang Saham yang h. General Meeting of Shareholders
selanjutnya disingkat RUPS: hereinafter abbreviated as GMS:
terbatas adalah RUPS sebagaimana it is the GMS as referred to in the
dimaksud dalam Peraturan Otoritas Financial Services Authority Regulation
Jasa Keuangan mengenai Rencana concerning the Planning and Organizing
dan Penyelenggaraan Rapat Umum of the General Meeting of Shareholders
Pemegang Saham Perusahaan Terbuka; of a Public Company; and
dan
2) bagi Emiten atau Perusahaan Publik 2) For an Issuer or Public Company in
berbentuk badan hukum selain the form of a legal entity other than
perseroan terbatas adalah organ a limited liability company, it is the
yang mempunyai wewenang yang body that has authority that is not
tidak diberikan kepada organ yang given to any other body that carries
melaksanakan fungsi pengurusan out management and supervisory
dan fungsi pengawasan, dalam batas functions, within the limits specified
yang ditentukan dalam peraturan in the legislation and/or articles of
perundang-undangan dan/atau association governing the legal entity.
anggaran dasar yang mengatur badan
hukum tersebut.
2. Laporan Tahuna Emiten atau Perusahaan Publik √ 2. The Annual Report of Issuers or Public
merupakan sumber informasi penting bagi Companies is an important source of information
investor atau pemegang saham sebagai salah for investors or shareholders as one of the basic
satu dasar pertimbangan dalam pengambilan considerations in making investment decisions
keputusan investasi dan sarana pengawasan and a means of supervision of Issuers or Public
terhadap Emiten atau Perusahaan Publik. Companies.
3. Seiring dengan perkembangan pasar modal √ 3. Along with the development of the capital
dan meningkatnya kebutuhan investor atau market and the increasing need for information
pemegang saham atas keterbukaan informasi, disclosure by investors or shareholders,
Direksi dan Dewan Komisaris dituntut untuk the Board of Directors and the Board of
menyajikan informasi yang berkualitas, akurat, Commissioners are required to present
dan akuntabel melalui Laporan Tahunan Emiten quality, accurate, and accountable information
atau Perusahaan Publik. through the Annual Reports of Issuers or Public
Companies.
4. Laporan Tahunan yang disusun secara teratur √ 4. Annual Reports that are prepared regularly
dan informatif dapat memberikan kemudahan and informatively can provide convenience for
bagi investor atau pemegang saham dan investors or shareholders and stakeholders in
pemangku kepentingan dalam memperoleh obtaining the required information.
informasi yang dibutuhkan.
5 Surat Edaran Otoritas Jasa Keuangan ini 5 This Financial Services Authority Circular is a
merupakan pedoman bagi Emiten atau guideline for Issuers or Public Companies that
Perusahaan Publik yang wajib diterapkan dalam must be applied in preparing Annual Reports and
menyusun Laporan Tahunan dan Laporan Sustainability Reports.
Keberlanjutan.
II. Bentuk Laporan Tahunan II. Format of Annual Report
1. Laporan Tahunan disajikan dalam bentuk √ 1. Annual Report should be presented in the
dokumen cetak dan salinan dokumen elektronik. printed format and in electronic document copy..
2. Laporan Tahunan yang disajikan dalam bentuk √ 2. The printed version of the Annual Report should
dokumen cetak, dicetak pada kertas yang be printed on light-colored paper of fine quality,
berwarna terang, berkualitas baik, berukuran A4, in A4 size, bound and can be reproduced in good
dijilid, dan dapat diperbanyak dengan kualitas quality.
yang baik.

2021 Annual Report
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3. Laporan Tahunan dapat menyajikan informasi √ 3. The Annual Report may present information
berupa gambar, grafik, tabel, dan/atau diagram in the form of pictures, graphs, tables, and/
dengan mencantumkan judul dan/atau or diagrams by including clear titles and/or
keterangan yang jelas, sehingga mudah dibaca descriptions, so that they are easy to read and
dan dipahami. understand.
4. Laporan Tahunan yang disajikan dalam bentuk √ 4. The Annual Report presented in electronic
salinan dokumen elektronik merupakan Laporan document format is the Annual Report converted
Tahunan yang dikonversi dalam format pdf. into pdf format.
III. Isi Laporan Tahunan III. Content Of Annual Report
1. Laporan Tahunan paling sedikit memuat 1. Annual Report should contain at least the
informasi mengenai: following information:
a. Ikhtisar data keuangan penting; 8-9 a. Summary of key financial information;
b. Informasi saham (jika ada); 11 b. Stock information (if any);
c. Laporan Direksi; 43-59 c. The Board of Directors report;
d. Laporan Dewan Komisaris; 29-41 d. The Board of Commissioners report;
e. Profil Emiten atau Perusahaan Publik; 64-183 e. Profile of Issuer or Public Company;
f. Analisis dan pembahasan manajemen; 186-231 f. Management discussion and analysis;
g. Tata kelola Emiten atau Perusahaan Publik; 345-581 g. Corporate governance applied by the Issuer
or Public Company;
h. Tanggung jawab sosial dan lingkungan 584-614 h. Corporate social and environmental
Emiten atau Perusahaan Publik; responsibility of the Issuer or Public
Company;
i. Laporan keuangan tahunan yang telah 618-785 i. Audited annual report; and
diaudit; dan
j. Surat pernyataan anggota Direksi dan 60-61 j. Statement that the Board of Directors
anggota Dewan Komisaris tentang tanggung and the Board of Commissioners are fully
jawab atas Laporan Tahunan; responsible for the Annual Report;
2. Uraian Isi Laporan Tahunan 2. Description of Content of Annual Report
a. Ikhtisar Data Keuangan Penting 8-9 a. Summary of Key Financial Information
Ikhtisar Data Keuangan Penting memuat Summary of Key Financial Information
informasi keuangan yang disajikan dalam contains financial information presented
bentuk perbandingan selama 3 (tiga) tahun in comparison with previous 3 (three) fiscal
buku atau sejak memulai usahanya jika years or since commencement of business
Emiten atau Perusahaan Publik tersebut if the Issuers or the Public Company
menjalankan kegiatan usahanya kurang dari commencing the business less than 3 (three)
3 (tiga) tahun, paling sedikit memuat: years, at least contain:
1) pendapatan/penjualan; 8 1) income/sales;
2) laba bruto; 8 2) gross profit;
3) laba (rugi); 8 3) profit (loss);
4) jumlah laba (rugi) yang dapat 8 4) total profit (loss) attributable to equity
diatribusikan kepada pemilik entitas holders of the parent entity and non-
induk dan kepentingan non pengendali; controlling interest;
5) total laba (rugi) komprehensif; 8 5) total comprehensive profit (loss);
6) jumlah laba (rugi) komprehensif yang 8 6) total comprehensive profit (loss)
dapat diatribusikan kepada pemilik attributable to equity holders of the
entitas induk dan kepentingan non parent entity and non controlling
pengendali; interest;
7) laba (rugi) per saham; 8 7) earning (loss) per share;
8) jumlah aset; 8 8) total assets;
9) jumlah liabilitas; 8 9) total liabilities;
10) jumlah ekuitas; 8 10) total equities;
11) rasio laba (rugi) terhadap jumlah aset; 9 11) profit (loss) to total assets ratio;
12) rasio laba (rugi) terhadap ekuitas; 9 12) profit (loss) to equities ratio;
13) rasio laba (rugi) terhadap pendapatan/ 9 13) profit (loss) to income ratio;
penjualan;
14) rasio lancar; 9 14) current ratio;
15) rasio liabilitas terhadap ekuitas; 9 15) liabilities to equities ratio;

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16) rasio liabilitas terhadap jumlah aset; 9 16) liabilities to total assets ratio; and
dan
17) informasi dan rasio keuangan 9 17) other information and financial
lainnya yang relevan dengan Emiten ratios relevant to the Issuer or Public
atau Perusahaan Publik dan jenis Company and type of industry;
industrinya;
b. Informasi Saham 11 b. Stock Information
Informasi Saham (jika ada) paling sedikit Stock Information (if any) at least contains:
memuat:
1) saham yang telah diterbitkan untuk - 1) shares issued for each three-month
setiap masa triwulan (jika ada) yang period in the last 2 (two) fiscal years (if
disajikan dalam bentuk perbandingan any), at least covering:
selama 2 (dua) tahun buku terakhir,
paling sedikit meliputi:
a) jumlah saham yang beredar; 11 a) number of outstanding shares;
b) kapitalisasi pasar berdasarkan - b) market capitalization based on the
harga pada Bursa Efek tempat price at the Stock Exchange where
saham dicatatkan; the shares listed on;
c) harga saham tertinggi, terendah, - c) highest share price, lowest share
dan penutupan berdasarkan harga price, closing share price at the
pada Bursa Efek tempat saham Stock Exchange where the shares
dicatatkan; dan listed on; and
d) volume perdagangan pada Bursa - d) share volume at the Stock
Efek tempat saham dicatatkan; Exchange where the shares listed
on;
Informasi pada huruf a) diungkap oleh √ Information in point a) should be
Emiten yang merupakan Perusahaan disclosed by the Issuer, the public
Terbuka yang sahamnya tercatat company whose shares is listed or not
maupun tidak tercatat di Bursa Efek; listed in the Stock Exchange;
Informasi pada huruf b), c), dan huruf √ Information in point b), point c), and
d) hanya diungkapkan jika Emiten point d) only be disclosed if the Issuer is
merupakan Perusahaan Terbuka dan a public company whose shares is listed
sahamnya tercatat di Bursa Efek; in the Stock Exchange;
2) dalam hal terjadi aksi korporasi, 12 2) in the event of corporate actions,
seperti pemecahan saham (stock including stock split, reverse stock,
split), penggabungan saham (reverse dividend, bonus share, and change
stock), dividen saham, saham bonus, in par value of shares, then the share
dan perubahan nilai nominal saham, price referred to in point 1), should be
informasi saham sebagaimana added with explanation on:
dimaksud pada angka 1) ditambahkan
penjelasan paling sedikit mengenai:
a) tanggal pelaksanaan aksi korporasi; - a) date of corporate action;
b) rasio pemecahan saham (stock - b) stock split ratio, reverse stock,
split), penggabungan saham dividend, bonus shares, and
(reverse stock), dividen saham, change in par value of shares;
saham
c) jumlah saham beredar sebelum - c) number of outstanding shares
dan sesudah aksi korporasi; dan prior to and after corporate action;
and
d) jumlah efek konversi yang - d) The number of convertible
dilaksanakan (jika ada); dan securities exercised (if any); and
e) harga saham sebelum dan sesudah - e) share price prior to and after
aksi korporasi; corporate action;
3) dalam hal terjadi penghentian 12 3) in the event that the company’s shares
sementara perdagangan saham were suspended and/or delisted from
(suspension), dan/atau penghapusan trading during the year under review,
pencatatan saham (delisting) dalam then the Issuers or Public Company
tahun buku, Emiten atau Perusahaan should provide explanation on the
Publik menjelaskan alasan penghentian reason for the suspension and/or
sementara perdagangan saham delisting; and
(suspension) dan/atau penghapusan
pencatatan saham (delisting) tersebut;
dan

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4) dalam hal penghentian sementara - 4) in the event that the suspension and/
perdagangan saham (suspension) dan/ or delisting as referred to in point 3)
atau penghapusan pencatatan saham was still in effect until the date of the
(delisting) sebagaimana dimaksud pada Annual Report, then the Issuer or the
angka 3) masih berlangsung hingga Public Company should also explain
akhir periode Laporan Tahunan, Emiten the corporate actions taken by the
atau Perusahaan Publik menjelaskan company in resolving the suspension
tindakan yang dilakukan untuk and/or delisting;
menyelesaikan penghentian sementara
perdagangan saham (suspension) dan/
atau penghapusan pencatatan saham
(delisting) tersebut;
c. Laporan Direksi 43-59 c. The Board of Directors Report
Laporan Direksi paling sedikit memuat: The Board of Directors Report should at least
contain the following items:
1) uraian singkat mengenai kinerja Emiten 45-48 1) the performance of the Issuer or Public
atau Perusahaan Publik, paling sedikit Company, at least covering:
meliputi:
a) strategi dan kebijakan strategis 45-46 a) strategy and strategic policies of
Emiten atau Perusahaan Publik; the Issuer or Public Company;
b) peranan Direksi dalam perumusan 47 b) Role of the Board of Directors in
strategi dan kebijakan strategis formulating strategies and strategic
Emiten atau Perusahaan Publik; policies of Issuers or Public
Companies;
c) proses yang dilakukan Direksi 47 c) Process carried out by the
untuk memastikan implementasi Board of Directors to ensure the
strategi Emiten atau Perusahaan implementation of the Issuer’s or
Publik; Public Company’s strategy;
d) perbandingan antara hasil yang 47-48 d) comparison between achievement

dicapai dengan yang ditargetkan; of results and targets; and
dan
e) kendala yang dihadapi Emiten atau 45 e) challenges faced by the Issuer or
Perusahaan Publik; Public Company;
2) gambaran tentang prospek usaha; 49 2) description on business prospects;
3) penerapan tata kelola Emiten atau 51-52 3) implementation of good corporate
Perusahaan Publik; dan governance by Issuer or Public
Company; and
4) perubahan komposisi anggota Direksi 54 4) changes in the composition of the Board of
dan alasan perubahannya (jika ada); Directors and the reason behind (if any);
d. Laporan Dewan Komisaris 29-41 d. The Board of Commissioners Report
Laporan Dewan Komisaris paling sedikit The Board of Commissioners Report should
memuat: at least contain the following items:
1) Penilaian terhadap kinerja Direksi 30-32 1) Assessment on the performance of

mengenai pengelolaan Emiten atau the Board of Directors in managing the
Perusahaan Publik; Issuer or the Public Company;
2) Pengawasan terhadap implementasi 32-34 2) Supervision on the implementation
strategi Emiten atau Perusahaan Publik; of the strategy of the Issuer or Public
Company;
3) Pandangan atas prospek usaha Emiten 34 3) View on the business prospects of
atau Perusahaan Publik yang disusun the Issuer or Public Company as
oleh Direksi; established by the Board of Directors;
4) Pandangan atas penerapan tata kelola 35 4) View on the implementation of the
Emiten atau Perusahaan Publik; corporate governance by the Issuer or
Public Company;
5) Perubahan komposisi anggota Dewan 37-38 5) Changes in the composition of the
Komisaris dan alasan perubahannya Board of Commissioners and the
(jika ada); dan reason behind (if any); and
e. Profil Emiten atau Perusahaan Publik 64-183 e. Profile of the Issuer or Public Company
Profil Emiten atau Perusahaan Publik paling Profile of the Issuer or Public Company
sedikit memuat: should cover at least:
1) Nama Emiten atau Perusahaan Publik 64 1) Name of Issuer or Public Company,
termasuk apabila terdapat perubahan including change of name, reason of
nama, alasan perubahan, dan tanggal change, and the effective date of the
efektif perubahan nama pada tahun change of name during the year under
buku; review;

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2) Akses terhadap Emiten atau 64 2) access to Issuer or Public Company,
Perusahaan Publik termasuk kantor including branch office or
cabang atau kantor perwakilan yang representative office, where public can
memungkinkan masyarakat dapat have access of information of the Issuer
memperoleh informasi mengenai or Public Company, which include:
Emiten atau Perusahaan Publik,
meliputi:
a) Alamat; √ a) Address;
b) Nomor telepon; √ b) Telephone number;
c) Nomor faksimile; √ c) Facsimile number;
d) Alamat surat elektronik; dan √ d) E-mail address; and
e) Alamat Situs Web; √ e) Website address;
3) Riwayat singkat Emiten atau 66 3) Brief history of the Issuer or Public
Perusahaan Publik; Company;
4) Visi dan misi Emiten atau Perusahaan 72 4) Vision and mission of the Issuer or
Publik; Public Company;
5) Kegiatan usaha menurut anggaran 74-88 5) Line of business according to the latest
dasar terakhir, kegiatan usaha yang Articles of Association, and types of
dijalankan pada tahun buku, serta jenis products and/or services produced;
barang dan/atau jasa yang dihasilkan;
6) Wilayah operasional Emiten atau 102-103 6) Operational area of the Issuer or Public
Perusahaan Publik; Company
7) Struktur organisasi Emiten atau 104-107 7) Structure of organization of the Issuer
Perusahaan Publik dalam bentuk or Public Company in chart form, at
bagan, paling sedikit sampai dengan least 1 (one) level below the Board of
struktur 1 (satu) tingkat di bawah Directors, with the names and titles;
Direksi, disertai dengan nama dan
jabatan;
8) daftar keanggotaan asosiasi industri 182 8) List of industry association
baik dalam skala nasional maupun memberships both on a national
internasional yang berkaitan dengan and international scale related to the
penerapan keuangan berkelanjutan implementation of sustainable finance;
9) Profil Direksi, paling sedikit memuat: 132-145 9) The Board of Directors profiles include:
a) Nama dan jabatan yang sesuai √ a) Name and short description of
dengan tugas dan tanggung jawab; duties and functions;
b) Foto terbaru; √ b) Latest photograph;
c) Usia; √ c) Age;
d) Kewarganegaraan; √ d) Citizenship;
e) Riwayat pendidikan; √ e) Education;
f) Riwayat jabatan, meliputi √ f) history position, covering
informasi: information on:
(1) Dasar hukum penunjukan √ (1) Legal basis for appointment

sebagai anggota Direksi pada as member of the Board of
Emiten atau Perusahaan Publik Directors to the said Issuer or
yang bersangkutan; Public Company;
(2) Rangkap jabatan, baik sebagai √ (2) Dual position, as member
anggota Direksi, anggota of the Board of Directors,
Dewan Komisaris, dan/atau member of the Board of
anggota komite serta jabatan Commissioners, and/or
lainnya (jika ada); dan member of committee, and
other position (if any); and
(3) Pengalaman kerja beserta √ (3) Working experience and
periode waktunya baik di period in and outside the
dalam maupun di luar Emiten Issuer or Public Company;
atau Perusahaan Publik;
g) hubungan afiliasi dengan anggota √ g) Affiliation with other members of the
Direksi lainnya, anggota Dewan Board of Directors, members of the
Komisaris, pemegang saham Board of Commissioners, majority
utama, dan pengendali baik and controlling shareholders, either
langsung maupun tidak langsung directly or indirectly to individual
sampai kepada pemilik individu, owners, including names of affiliated
meliputi nama pihak yang parties. In the event that a member
terafiliasi; of the Board of Directors has no
affiliation, the Issuer or Public
Company shall disclose this matter;
and

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h) perubahan komposisi anggota 54 h) Changes in the composition of the
Direksi dan alasan perubahannya. members of the Board of Directors
Dalam hal tidak terdapat and the reasons for the changes. In
perubahan komposisi anggota the event that there is no change in
Direksi, maka diungkapkan the composition of the members of
mengenai hal tersebut; the Board of Directors, this matter
shall be disclosed;
10) Profil Dewan Komisaris, paling sedikit 114-131 10) The Board of Commissioners profiles,
memuat: at least include:
a) Nama; √ a) Name;
b) Foto terbaru; √ b) Latest photograph;
c) Usia; √ c) Age;
d) Kewarganegaraan; √ d) Citizenship;
e) Riwayat pendidikan; √ e) Education;
f) Riwayat jabatan, meliputi √ f) History position, covering
(1) Dasar hukum penunjukan √ (1) Legal basis for the
sebagai anggota Dewan appointment as member of
Komisaris yang bukan the Board of Commissioners
merupakan Komisaris who is not Independent
Independen pada Emiten Commissioner at the said
atau Perusahaan Publik yang Issuer or Public Company;
bersangkutan;
(2) Dasar hukum penunjukan √ (2) Legal bases for the first
pertama kali sebagai appointment as member of
anggota Dewan Komisaris the Board of Commissioners
yang merupakan Komisaris who also Independent
Independen pada Emiten Commissioner at the said
atau Perusahaan Publik yang Issuer or Public Company;
bersangkutan;
(3) Rangkap jabatan, baik sebagai √ (3) Dual position; as member of
anggota Dewan Komisaris, the Board of Commissioners,
anggota Direksi, dan/atau member of the Board of
anggota komite serta jabatan Directors, and/or member of
lainnya (jika ada); dan committee and other position (if
any); and
g) Hubungan afiliasi dengan anggota √ g) Affiliation with other members
Dewan Komisaris lainnya, of the Board of Commissioners,
pemegang saham utama, dan major shareholders, and controllers
pengendali baik langsung maupun either directly or indirectly to
tidak langsung sampai kepada individual owners, including names
pemilik individu, meliputi nama of affiliated parties; In the event
pihak yang terafilias that a member of the Board of
Commissioners has no affiliation,
the Issuer or Public Company shall
disclose this matter;
h) Pernyataan independensi √ h) Statement of independence of
Komisaris Independen dalam Independent Commissioner in
hal Komisaris Independen telah the event that the Independent
menjabat lebih dari 2 (dua) periode Commissioner has been appointed
(jika ada); more than 2 (two) periods (if any);
i) Perubahan komposisi anggota 37-38 i) Changes in the composition of

Dewan Komisaris dan alasan the members of the Board of
perubahannya. Dalam hal tidak Commissioners and the reasons
terdapat perubahan komposisi for the changes. In the event
anggota Dewan Komisaris, maka that there is no change in the
diungkapkan mengenai hal composition of the members of
tersebut; the Board of Commissioners, this
matter shall be disclosed;

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11) Dalam hal terdapat perubahan susunan - 11) In the event that there were changes
anggota Direksi dan/atau anggota in the composition of the Board of
Dewan Komisaris yang terjadi setelah Commissioners and/or the Board of
tahun buku berakhir sampai dengan Directors occurring between the period
batas waktu penyampaian Laporan after year-end until the date the Annual
Tahunan, susunan yang dicantumkan Report submitted, then the last and
dalam Laporan Tahunan adalah the previous composition of the Board
susunan anggota Direksi dan/atau of Commissioners and/or the Board of
anggota Dewan Komisaris yang terakhir Directors shall be stated in the Annual
dan sebelumnya; Report;
12) Jumlah karyawan menurut jenis 153-155 12) Number of employees by gender,
kelamin, jabatan, usia, tingkat position, age, education level, and
pendidikan, dan status ketenagakerjaan employment status (permanent/
(tetap/kontrak) dalam tahun buku; contracted) in the fiscal year; Disclosure
of information can be presented in
tabular form.
13) Nama pemegang saham dan 171-173 13) Names of shareholders and ownership
persentase kepemilikan pada akhir percentage at the end of the fiscal year,
tahun buku, yang terdiri dari: including:
a) Pemegang saham yang memiliki 171 a) Shareholders having 5% (five
5% (lima persen) atau lebih saham percent) or more shares of Issuer
Emiten atau Perusahaan Publik; or Public Company;
b) Anggota Direksi dan anggota 172 b) Commissioners and Directors who
Dewan Komisaris yang memiliki own shares of the Issuers or Public
saham Emiten atau Perusahaan Company; and
Publik; dan
c) Kelompok pemegang saham 172 c) Groups of public shareholders,
masyarakat, yaitu kelompok or groups of shareholders, each
pemegang saham yang masing- with less than 5% (five percent)
masing memiliki kurang dari 5% ownership shares of the Issuers or
(lima persen) saham emiten atau Public Company;
perusahaan publik;
14) Persentase kepemilikan tidak langsung 172 14) The percentage of indirect ownership
atas saham Emiten atau Perusahaan of the shares of the Issuer or Public
Publik oleh anggota Direksi dan Company by members of the Board of
anggota Dewan Komisaris pada awal Directors and members of the Board of
dan akhir tahun buku, termasuk Commissioners at the beginning and end
informasi mengenai pemegang saham of the fiscal year, including information
yang terdaftar dalam daftar pemegang on shareholders registered in the
saham untuk kepentingan kepemilikan shareholder register for the benefit of
tidak langsung anggota Direksi dan indirect ownership of members of the
anggota Dewan Komisaris; Board of Directors and members of the
Board of Commissioners;
15) Jumlah pemegang saham dan 173 15) Number of shareholders and
persentase kepemilikan per akhir tahun ownership percentage at the end of the
buku berdasarkan klasifikasi: fiscal year, based on:
a) Kepemilikan institusi lokal; √ a) Ownership of local institutions;
b) Kepemilikan institusi asing; √ b) Ownership of foreign institutions;
c) Kepemilikan individu lokal; dan √ c) Ownership of local individual; and
d) Kepemilikan individu asing; √ d) Ownership of foreign individual;
16) Informasi mengenai pemegang saham
utama dan pengendali Emiten atau
- 16) Information on major shareholders and
controlling shareholders the Issuers of
Perusahaan Publik, baik langsung Public Company, directly or indirectly,
maupun tidak langsung, sampai kepada and also individual shareholder,
pemilik individu, yang disajikan dalam presented in the form of scheme or
bentuk skema atau bagan; diagram;
17) Nama entitas anak, perusahaan 180 17) Name of subsidiaries, associated
asosiasi, perusahaan ventura bersama companies, joint venture controlled by
dimana Emiten atau Perusahaan Publik Issuers or Public Company, with entity,
memiliki pengendalian bersama entitas, percentage of stock ownership, line of
beserta persentase kepemilikan saham, business, total assets and operating
bidang usaha, total aset, dan status status of the Issuers of Public Company
operasi Emiten atau Perusahaan Publik (if any);
tersebut (jika ada);
Untuk entitas anak, ditambahkan √ For subsidiaries, include the addresses
informasi mengenai alamat entitas of the said subsidiaries;
anak tersebut;

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18) Kronologi pencatatan saham, jumlah 174 18) Chronology of share listing, number of
saham, nilai nominal, dan harga shares, par value, and bid price from
penawaran dari awal pencatatan hingga the beginning of listing up to the end of
akhir tahun buku serta nama Bursa Efek the financial year, and name of Stock
dimana saham Emiten atau Perusahaan Exchange where the Issuers of Public
Publik dicatatkan (jika ada); Company shares are listed;
19) Informasi pencatatan efek lainnya 175 19) Other securities listing information
selain efek sebagaimana dimaksud other than the securities as referred
pada angka 18), yang belum jatuh to in number 18), which have not yet
tempo pada tahun buku paling sedikit matured in the fiscal year, at least
memuat nama efek, tahun penerbitan, contain the name of the securities, year
tingkat suku bunga/imbal hasil, tanggal of issue, interest rate/yield, maturity
jatuh tempo, nilai penawaran, dan date, offering value, and securities
peringkat efek (jika ada); rating (if any);
20) Informasi penggunaan jasa akuntan 180 20) Information on the use of a Public
publik (AP) dan kantor akuntan publik Accountant (AP) and a Public
(KAP) beserta jaringan/asosiasi/ Accounting firm (KAP) services and their
aliansinya meliputi: networks/associations/alliances include:
a) nama dan alamat; √ a) name and address;
b) periode penugasan; √ b) period of assignment;
c) informasi jasa audit dan/atau non √ c) informasi jasa audit dan/atau non
audit yang diberikan; audit yang diberikan;
d) biaya jasa (fee) audit dan/atau √ d) Audit and/or non-audit fees for
non audit untuk masing-masing each assignment given during the
penugasan yang diberikan selama fiscal year; and
tahun buku; dan
e) dalam hal AP dan KAP beserta - e) In the event that AP and KAP and
jaringan/asosiasi/aliansinya, yang their network/association/alliance,
ditunjuk tidak memberikan jasa which are appointed do not
non audit, maka diungkapkan provide non-audit services, then
mengenai informasi tersebut; dan the information is disclosed; and
21) Nama dan alamat lembaga dan/atau 181-182 21) Name and address of capital market
profesi penunjang pasar modal selain supporting institutions and/or
AP dan KAP; professionals other than AP and KAP
f. Analisis dan Pembahasan Manajemen 186-231 f. Management Discussion and Analysis
Analisis dan pembahasan manajemen Management Analysis and Discussion Annual
memuat analisis dan pembahasan mengenai should contain discussion and analysis on
laporan keuangan dan informasi penting financial statements and other material
lainnya dengan penekanan pada perubahan information emphasizing material changes
material yang terjadi dalam tahun buku, yaitu that occurred during the year under review,
paling sedikit memuat: at least including:
1) Tinjauan operasi per segmen operasi 193-203 1) Operational review per business
sesuai dengan jenis industri Emiten segment, according to the type
atau Perusahaan Publik, paling sedikit of industry of the Issuer or Public
mengenai: Company including:
a) Produksi, yang meliputi proses, √ a) Production, including process,
kapasitas, dan perkembangannya; capacity, and growth;
b) Pendapatan/penjualan; dan √ b) Income/sales; and
c) Profitabilitas; √ c) Profitability;
2) Kinerja keuangan komprehensif yang 204-231 2) comprehensive financial performance
mencakup perbandingan kinerja analysis which includes a comparison
keuangan dalam 2 (dua) tahun buku between the financial performance
terakhir, penjelasan tentang penyebab of the last 2 (two) fiscal years, and
adanya perubahan dan dampak explanation on the causes and effects
perubahan tersebut, paling sedikit of such changes, among others
mengenai: concerning:
a) Aset lancar, aset tidak lancar, dan 204-205 a) Current assets, non-current assets,
total aset; and total assets;
b) Liabilitas jangka pendek, liabilitas 205-207 b) Short term liabilities, long term
jangka panjang, dan total liabilitas; liabilities, total liabilities;
c) Ekuitas; 207 c) Equities;
d) Pendapatan/penjualan, beban, laba 208-209 d) Sales/operating revenues,
(rugi), penghasilan komprehensif expenses and profit (loss), other
lain, dan total laba (rugi) comprehensive revenues, and total
komprehensif; dan comprehensive profit (loss); and
e) Arus kas 210-211 e) Cash flows
3) Kemampuan membayar utang dengan 216 3) The capacity to pay debts by including
menyajikan perhitungan rasio yang the computation of relevant ratios;
relevan;

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4) Tingkat kolektibilitas piutang emiten 217 4) Accounts receivable collectability of the
atau perusahaan publik dengan Issuer or Public Company, including the
menyajikan perhitungan rasio yang computation of the relevant ratios;
relevan;
5) Struktur modal (capital structure) dan 217-218 5) Capital structure and management
kebijakan manajemen atas struktur policies concerning capital structure,
modal (capital structure) tersebut including the basis for determining the
disertai dasar penentuan kebijakan said policy;
dimaksud;
6) Bahasan mengenai ikatan yang material 218 6) discussion on material ties for the
untuk investasi barang modal dengan investment of capital goods, including
penjelasan paling sedikit meliputi: the explanation on at least:
a) Tujuan dari ikatan tersebut; - a) The purpose of such ties;
b) Sumber dana yang diharapkan - b) Source of funds expected to fulfill
untuk memenuhi ikatan tersebut; the said ties;
c) Mata uang yang menjadi - c) Currency of denomination; and
denominasi; dan
d) Langkah yang direncanakan emiten - d) Steps taken by the Issuer of Public
atau perusahaan publik untuk Company to protect the position of
melindungi risiko dari posisi mata a related foreign currency against
uang asing yang terkait; risks;
7) Bahasan mengenai investasi barang 218 7) Discussion on investment of capital
modal yang direalisasikan dalam tahun goods which was realized in the last
buku terakhir, paling sedikit meliputi: fiscal year, at least include:
a) Jenis investasi barang modal; √ a) Type of investment of capital
goods;
b) Tujuan investasi barang modal; dan √ b) Objective of the investment of
capital goods; and
c) Nilai investasi barang modal yang √ c) Value of the investment of capital
dikeluarkan; goods;
8) Informasi dan fakta material yang 220 8) Material Information and facts
terjadi setelah tanggal laporan akuntan that occurring after the date of the
(jika ada); accountant’s report (if any);
9) Prospek usaha dari emiten atau 220 9) Information on the prospects of the
perusahaan publik dikaitkan dengan Issuer or the Company in connection
kondisi industri, ekonomi secara umum with industry,economy in general,
dan pasar internasional disertai data accompanied with supporting
pendukung kuantitatif dari sumber data quantitative data if there is a reliable
yang layak dipercaya; data source;
10) Perbandingan antara target/proyeksi 220 10) Comparison between target/projection
pada awal tahun buku dengan hasil at beginning of year and result
yang dicapai (realisasi), mengenai: (realization), concerning:
a) Pendapatan/penjualan; √ a) Income/sales;
b) Laba (rugi); √ b) Profit (loss);
c) Struktur modal (capital structure); - c) Capital structure; or
d) Kebijakan dividen; atau - d) Dividend policy; or
e) Hal lainnya yang dianggap penting √ e) Others that deemed necessary for
bagi Emiten atau Perusahaan the Issuer or Public Company;
Publik;
11) Target/proyeksi yang ingin dicapai 221 11) Target/projection at most for the
Emiten atau Perusahaan Publik untuk 1 next one year of the Issuer or Public
(satu) tahun mendatang, mengenai: Company, concerning:
a) Pendapatan/penjualan; √ a) Income/sales;
b) Laba (rugi); √ b) Profit (loss);
c) Struktur modal (capital structure); - c) Capital structure; or
d) Kebijakan dividen; atau - d) Dividend policy;
e) Hal lainnya yang dianggap penting √ e) Or others that deemed necessary
bagi Emiten atau Perusahaan for the Issuer or Public Company;
Publik;
12) Aspek pemasaran atas barang dan/ 221-222 12) Marketing aspects of the company’s
atau jasa Emiten atau Perusahaan products and/or services the Issuer
Publik, paling sedikit mengenai strategi or Public Company, among others
pemasaran dan pangsa pasar; marketing strategy and market share;
13) Uraian mengenai dividen selama 2 223 13) Description regarding the dividend
(dua) tahun buku terakhir (jika ada), policy during the last 2 (two) fiscal
paling sedikit: years, at least:
a) Kebijakan dividen; √ a) Dividend policy;

2021 Annual Report
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b) Tanggal pembayaran dividen kas - b) The date of the payment of
dan/atau tanggal distribusi dividen cash dividend and/or date of
non kas; distribution of non-cash dividend;
c) Jumlah dividen per saham (kas - c) Amount of cash per share (cash
dan/atau non kas); dan and/or non cash); and
d) Jumlah dividen per tahun yang - d) Amount of dividend per year paid;
dibayar;
Dalam hal Emiten atau Perusahaan Disclosure of information can be
Publik tidak membagikan dividen presented in tabular form. In the event
dalam 2 (dua) tahun terakhir, maka that the Issuer or Public Company
diungkapkan mengenai hal tersebut. does not distribute dividends in the
last 2 (two) years, this matter shall be
disclosed.
14) Realisasi penggunaan dana hasil 225 14) Use of proceeds from Public Offerings,
Penawaran Umum, dengan ketentuan: under the condition of:
a) Dalam hal selama tahun buku, √ a) during the year under review, on
Emiten memiliki kewajiban which the Issuer has the obligation
menyampaikan laporan realisasi to report the realization of the use
penggunaan dana, maka of proceeds, then the realization
diungkapkan realisasi penggunaan of the cumulative use of proceeds
dana hasil Penawaran Umum until the year end should be
secara kumulatif sampai dengan disclosed; and
akhir tahun buku; dan
b) Dalam hal terdapat perubahan - b) In the event that there were
penggunaan dana sebagaimana changes in the use of proceeds
diatur dalam Peraturan Otoritas as stipulated in the Regulation of
Jasa Keuangan tentang Laporan the Financial Services Authority
Realisasi Penggunaan Dana Hasil on the Report of the Utilization
Penawaran Umum, maka Emiten of Proceeds from Public Offering,
menjelaskan perubahan tersebut; then Issuer should explain the said
changes;
15) Informasi material (jika ada), antara lain 224-225 15) Material information (if any), among
mengenai investasi, ekspansi, divestasi, others concerning investment,
penggabungan/peleburan usaha, expansion, divestment, acquisition,
akuisisi, restrukturisasi utang/modal, debt/capital restructuring, transactions
transaksi Afiliasi, dan transaksi yang with related parties and transactions
mengandung benturan kepentingan, with conflict of interest that occurred
yang terjadi pada tahun buku, antara during the year under review, among
lain memuat: others include:
a) Tanggal, nilai, dan objek transaksi; √ a) Transaction date, value, and object;
b) Nama pihak yang melakukan - b) Name of transacting parties;
transaksi;
c) Sifat hubungan Afiliasi (jika ada); - c) Nature of related parties (if any);
d) Penjelasan mengenai kewajaran - d) Description of the fairness of the
transaksi; dan transaction; and
e) Pemenuhan ketentuan terkait; - e) Compliance with related rules and
regulations;
f) dalam hal terdapat hubungan 227 f) In the event that there is an
afiliasi, selain mengungkapkan affiliation relationship, apart from
informasi sebagaimana dimaksud disclosing the information as
dalam huruf a) sampai dengan referred to in letter a) to letter e),
huruf e), Emiten atau Perusahaan the Issuer or Public Company also
Publik juga mengungkapkan discloses information:
informasi:
1) Pernyataan Direksi bahwa 227 1) A statement from the Board
transaksi afiliasi telah melalui of Directors that the affiliate
prosedur yang memadai untuk transaction has gone through
memastikan bahwa transaksi adequate procedures to
afiliasi dilaksanakan sesuai ensure that the affiliate
dengan praktik bisnis yang transaction is carried out in
berlaku umum antara lain accordance with generally
dilakukan dengan memenuhi accepted business practices,
prinsip transaksi yang wajar by complying with the arms-
(arms-length principle); dan length principle; and

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2) Peran Dewan Komisaris dan 227 2) The role of the Board of
komite audit dalam melakukan Commissioners and the
prosedur yang memadai untuk audit committee in carrying
memastikan bahwa transaksi out adequate procedures
afiliasi dilaksanakan sesuai to ensure that affiliated
dengan praktik bisnis yang transactions are carried out
berlaku umum antara lain in accordance with generally
dilakukan dengan memenuhi accepted business practices,
prinsip transaksi yang wajar by complying with the arms-
(arms-length principle); length principle;
g) Dalam hal transaksi afiliasi atau 227 g) For affiliated transactions or material
transaksi material dimaksud transactions which are business
telah diungkapkan dalam laporan activities carried out to generate
keuangan tahunan, ditambahkan business income and are carried
informasi mengenai rujukan out regularly, repeatedly, and/
pengungkapan dalam laporan or continuously, an explanation is
keuangan tahunan tersebut. added that the affiliated transactions
or material transactions are business
activities carried out to generate
operating income. and run regularly,
repeatedly, and/or continuously;
h) Untuk pengungkapan transaksi - h) For disclosure of affiliated
afiliasi dan/atau transaksi benturan transactions and/or conflict of
kepentingan yang merupakan interest transactions resulting from
hasil pelaksanaan transaksi afiliasi the implementation of affiliated
dan/atau transaksi benturan transactions and/or conflict of
kepentingan yang telah disetujui interest transactions that have
pemegang saham independen, been approved by independent
ditambahkan informasi mengenai shareholders, additional
tanggal pelaksanaan RUPS yang information regarding the date
menyetujui transaksi afiliasi of the GMS which approved the
dan/atau transaksi benturan affiliated transactions and/or
kepentingan tersebut; conflict of interest transactions is
added;
i) Dalam hal tidak terdapat transaksi 225 i) In the event that there is no
afiliasi dan/atau transaksi benturan affiliated transaction and/or
kepentingan, maka diungkapkan conflict of interest transaction, then
mengenai hal tersebut; this shall be disclosed;
16) Perubahan ketentuan peraturan 228-229 16) Changes in regulation which have a
perundang-undangan yang significant effect on the Issuer or Public
berpengaruh signifikan terhadap Company and impacts on the company
Emiten atau Perusahaan Publik dan (if any); and
dampaknya terhadap laporan keuangan
(jika ada); dan
17) Perubahan kebijakan akuntansi, alasan 230 17) Changes in the accounting policy,
dan dampaknya terhadap laporan rationale and impact on the financial
keuangan (jika ada); statement (if any);
g. Tata Kelola Emiten atau Perusahaan Publik 345-581 g. Corporate Governance of the Issuer or Public
Company
Tata kelola Emiten atau Perusahaan Publik 378-401 Corporate Governance of the Issuer or Public
paling sedikit memuat uraian singkat Company contains at least:
mengenai:
1) RUPS, paling sedikit memuat: 1) GMS, at least contains:
a) Informasi mengenai keputusan √ a) Information regarding the
RUPS pada tahun buku dan 1 resolutions of the GMS in the fiscal
(satu) tahun sebelum tahun buku year and 1 (one) year prior to the
meliputi: fiscal year include:
1) keputusan RUPS pada tahun √ 1) Resolutions of the GMS in the

buku dan 1 (satu) tahun fiscal year and 1 (one) year
sebelum tahun buku yang before the fiscal year realized
direalisasikan pada tahun in the fiscal year; and
buku; dan
2) keputusan RUPS pada tahun √ 2) Resolutions of the GMS in the
buku dan 1 (satu) tahun fiscal year and 1 (one) year
sebelum tahun buku yang before the fiscal year that have
belum direalisasikan beserta not been realized and the
alasan belum direalisasikan; reasons for not realizing them;

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b) dalam hal Emiten atau Perusahaan √ b) In the event that the Issuer
Publik menggunakan pihak or Public Company uses an
independen dalam pelaksanaan independent party in the conduct
RUPS untuk melakukan of the GMS to calculate the votes,
perhitungan suara, maka then this matter shall be disclosed;
diungkapkan mengenai hal
tersebut;
2) Direksi, mencakup antara lain: 433-450 2) The Board of Directors, covering:
a) Tugas dan tanggung jawab masing- 441-445 a) The tasks and responsibilities of
masing anggota Direksi; each member of the Board of
Directors;
b) Pernyataan bahwa Direksi memiliki 438 b) Statement that the Board of
pedoman atau piagam (charter) Directors has already have board
Direksi; manual or charter;
c) Kebijakan dan pelaksanaan tentang 474-481, 481- c) Policies and implementation of
frekuensi rapat Direksi, termasuk 483 the frequency of meetings of the
rapat bersama Dewan Komisaris, Board of Directors, meetings of the
dan tingkat kehadiran anggota Board of Directors with the Board
Direksi dalam rapat tersebut of Commissioners, and the level
termasuk tingkat kehadiran dalam of attendance of members of the
RUPS; Board of Directors in the meeting
including attendance at the GMS;
d) pelatihan dan/atau peningkatan 447, 156-161 d) Training and/or competency
kompetensi anggota Direksi: development of members of the
Board of Directors:
(1) kebijakan pelatihan dan/ 447 (1) Policies for training and/or
atau peningkatan kompetensi improving the competence
anggota Direksi, termasuk of members of the Board
program orientasi bagi of Directors, including an
anggota Direksi yang baru orientation program for newly
diangkat (jika ada); dan appointed members of the
Board of Directors (if any); and
(2) pelatihan dan/atau 156-161 (2) Training and/or competency
peningkatan kompetensi yang improvement attended by
diikuti anggota Direksi dalam members of the Board of
tahun buku (jika ada); Directors in the fiscal year (if
any);
e) penilaian Direksi terhadap 449-450 e) The Board of Directors’ assessment
kinerja komite yang mendukung of the performance of the
pelaksanaan tugas Direksi pada committees that support the
tahun buku paling sedikit memuat: implementation of the Board of
Directors’ duties for the fiscal year
shall at least contain:
(1) prosedur penilaian kinerja; dan √ (1) Performance appraisal
procedures; and
(2) kriteria yang digunakan √ (2) The criteria used are
seperti capaian kinerja selama performance achievements
tahun buku, kompetensi dan during the fiscal year, are
kehadiran dalam rapat; dan competence and attendance at
meetings; and
f) dalam hal Emiten atau Perusahaan - f) In the event that the Issuer or
Publik tidak memiliki komite Public Company does not have
yang mendukung pelaksanaan a committee that supports the
tugas Direksi, maka diungkapkan implementation of the duties of
mengenai hal tersebut. the Board of Directors, this matter
shall be disclosed.
3) Dewan Komisaris, mencakup antara 415-432 3) The Board of Commissioners, among
lain: others include:
a) Tugas dan tanggung jawab Dewan 416-417 a) Duties and responsibilities of the
Komisaris; Board of Commissioners;
b) Pernyataan bahwa Dewan 418-419 b) Statement that the Board of
Komisaris memiliki pedoman atau Commissioner has already have
piagam (charter) Dewan Komisaris; the board manual or charter;
c) Kebijakan dan pelaksanaan 472-474, 481- c) Policies and implementation of the
tentang frekuensi rapat Dewan 483 frequency of meetings of the Board
Komisaris, termasuk rapat bersama of Commissioners, meetings of the
Direksi, dan tingkat kehadiran Board of Commissioners with the
anggota Dewan Komisaris dalam Board of Directors and the level
rapat tersebut termasuk tingkat of attendance of members of the
kehadiran dalam RUPS;; Board of Commissioners in these
meetings including attendance at
the GMS;

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d) pelatihan dan/atau peningkatan 423-424, 155- d) Training and/or competency
kompetensi anggota Dewan 156 improvement of members of the
Komisaris: Board of Commissioners:
(1) kebijakan pelatihan dan/ 423-424 (1) Policy on competency training
atau peningkatan kompetensi and/or development of
anggota Dewan Komisaris, members of the Board of
termasuk program orientasi Commissioners, including
bagi anggota Dewan Komisaris orientation programs for newly
yang baru diangkat (jika ada); appointed members of the
dan Board of Commissioners (if any);
and
(2) pelatihan dan/atau 155-156 (2) Competency training and/
peningkatan kompetensi or development attended
yang diikuti anggota Dewan by members of the Board of
Komisaris dalam tahun buku Commissioners in the fiscal year
(jika ada); (if any);
e) penilaian terhadap kinerja anggota e) The assessment on the
Direksi dan anggota Dewan performance of the Board
Komisaris dan pelaksanaannya, of Directors and Board of
paling sedikit memuat: Commissioners and the
implementation, at least covering:
(1) Prosedur pelaksanaan √ (1) procedure for the
penilaian kinerja; implementation of performance
assessment;
(2) Kriteria yang digunakan √ (2) Criteria used are performance
seperti capaian kinerja selama achievements during the
tahun buku, kompetensi dan fiscal year, competency and
kehadiran dalam rapat; dan attendance at meetings; and
(3) Pihak yang melakukan √ (3) Assessor;
penilaian;
f) penilaian Dewan Komisaris 457-464 f) Board of Commissioners’
terhadap kinerja Komite yang assessment of the performance of
mendukung pelaksanaan tugas the Committees that support the
Dewan Komisaris pada tahun buku implementation of the duties of
meliputi: the Board of Commissioners in the
fiscal year includes:
(1) prosedur penilaian kinerja; dan √ (1) Performance appraisal
procedures; and
(2) kriteria yang digunakan √ (2) The criteria used are
seperti capaian kinerja selama performance achievements
tahun buku, kompetensi dan during the fiscal year,
kehadiran dalam rapat; competency and attendance at
meetings;
4) Nominasi dan remunerasi Direksi 465-469 4) The nomination and remuneration of
dan Dewan Komisaris, paling sedikit the Board of Directors and the Board of
memuat: Commissioners shall at least contain:
a) prosedur nominasi, meliputi - a) Nomination procedure, including
uraian singkat mengenai kebijakan a brief description of the policies
dan proses nominasi anggota and process for nomination of
Direksi dan/atau anggota Dewan members of the Board of Directors
Komisaris; dan and/or members of the Board of
Commissioners; and
b) prosedur dan pelaksanaan 465-469 b) Procedures and implementation
remunerasi Direksi dan Dewan of remuneration for the Board
Komisaris, antara lain: of Directors and the Board of
Commissioners, among others:
(1) prosedur penetapan √ (1) Procedures for determining
remunerasi Direksi dan Dewan remuneration for the Board
Komisaris; of Directors and the Board of
Commissioners;
(2) struktur remunerasi Direksi √ (2) The remuneration structure of
dan Dewan Komisaris seperti, the Board of Directors and the
gaji, tunjangan, tantiem/bonus Board of Commissioners such
dan lainnya; dan as salary, allowances, tantiem/
bonus and others; and
(3) besarnya remunerasi masing- - (3) The amount of remuneration
masing anggota Direksi dan for each member of the Board
anggota Dewan Komisaris; of Directors and member of
the Board of Commissioners

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5) Dewan Pengawas Syariah, bagi 403-414 5) Sharia Supervisory Board, for Issuer or
Emiten atau Perusahaan Publik Public Company that conduct business
yang menjalankan kegiatan usaha based on sharia law, as stipulated
berdasarkan prinsip syariah in the articles of association, at least
sebagaimana tertuang dalam anggaran containing:
dasar, paling sedikit memuat:
a) nama; 407 a) name;
b) dasar hukum pengangkatan dewan 407 b) Legal basis for the appointment of
pengawas syariah; the sharia supervisory board;
c) periode penugasan dewan 407 c) Period of assignment of the sharia
pengawas syariah; supervisory board;
d) tugas dan tanggung jawab Dewan 403-405 d) duty and responsibility of Sharia
Pengawas Syariah; dan Supervisory Board; and
e) frekuensi dan cara pemberian 411 e) frequency and procedure in
nasihat dan saran serta providing advice and suggestion,
pengawasan pemenuhan Prinsip as well as the compliance of Sharia
Syariah di Pasar Modal terhadap Principles by the Issuer or Public
Emiten atau Perusahaan Publik; Company in the Capital Market;
6) Komite Audit, mencakup antara lain: 485-494 6) Audit Committee, among others covering:
a) Nama dan jabatannya dalam 489-491 a) Name and position in the
keanggotaan komite; committee;
b) Usia; 489-491 b) Age;
c) Kewarganegaraan; 489-491 c) Citizenship;
d) Riwayat pendidikan; 489-491 d) Education background;
e) Riwayat jabatan, meliputi 489-491 e) History of position; including:
informasi:
(1) Dasar hukum untuk √ (1) Legal basis for appointment as
pengangkatan sebagai anggota committee member;
komite;
anggota Dewan Komisaris, of Board of Commissioners,
anggota Direksi, dan/atau member of Board of Directors,
anggota komite serta jabatan and/or member of committee,
lainnya (jika ada); dan and other position (if any); and
(3) Pengalaman kerja beserta √ (3) working experience and period
periode waktunya baik di in and outside the Issuer or
dalam maupun di luar Emiten Public Company;
f) Periode dan masa jabatan anggota 489 f) Period and terms of office of the
Komite Audit; member of Audit Committee;
g) Pernyataan independensi Komite 491 g) statement of independence of the
Audit; Audit Committee;
h) Pendidikan dan/atau pelatihan 162 h) Training and/or competency
yang telah diikuti dalam tahun improvement that have been
buku (jika ada); dan followed in the fiscal year (if any);
i) Kebijakan dan pelaksanaan tentang 492-493 i) Policies and implementation of
frekuensi rapat Komite Audit dan the frequency of audit committee
tingkat kehadiran anggota Komite meetings and the level of
Audit dalam rapat tersebut; attendance of audit committee
members in those meetings; and
j) Pelaksanaan kegiatan Komite Audit 494 j) the activities of the Audit
pada tahun buku sesuai dengan Committee in the year under
yang dicantumkan dalam pedoman review, in accordance with the
atau piagam (charter) Komite Audit; Audit Committee Charter;
7) Komite atau fungsi nominasi dan 495-503 7) The nomination and remuneration
remunerasi Emiten atau Perusahaan committee or function of the Issuer or
Publik, paling sedikit memuat: Public Company, at least containing:
a) Nama dan jabatannya dalam 499-501 a) Name and position in committee
keanggotaan komite; membership;
b) Usia; 499-501 b) Age;
c) Kewarganegaraan; 499-501 c) Nationality;
d) Riwayat pendidikan; 499-501 d) Educational history;
e) Riwayat jabatan, meliputi 499-501 e) Position history, including
(1) Dasar hukum penunjukan √ (1) Legal basis for appointment as
sebagai anggota komite; committee member;

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(2) Rangkap jabatan, baik sebagai √ (2) Concurrent positions, either
anggota Dewan Komisaris, as a member of the Board of
anggota Direksi, dan/atau Commissioners, member of
anggota komite serta jabatan the Board of Directors, and/or
lainnya (jika ada); dan committee member and other
positions (if any); and
(3) Pengalaman kerja beserta √ (3) Work experience and period of
periode waktunya baik di time both inside and outside
dalam maupun di luar Emiten the Issuer or Public Company;
f) Periode dan masa jabatan anggota f) Period and term of office of the
komite; committee members;
g) Pernyataan independensi komite; - g) Statement of committee
independence;
h) Pendidikan dan/atau pelatihan 163 h) Training and/or competency
i) Uraian tugas dan tanggung jawab; 497 i) Description of duties and
responsibilities;
j) Pernyataan bahwa telah memiliki 495 j) A statement that it has a guideline
pedoman atau piagam (charter) or charter;
komite;
k) Kebijakan dan pelaksanaan tentang 501-502 k) Policies and implementation of
frekuensi rapat komite dan tingkat the frequency of meetings and the
kehadiran anggota komite dalam level of attendance of members at
rapat tersebut; the meeting;
l) uraian singkat pelaksanaan 502 l) Brief description of the
kegiatan pada tahun buku; dan implementation of activities in the
fiscal year; and
m) dalam hal tidak dibentuk komite - m) In the event that no nomination
nominasi dan remunerasi, Emiten and remuneration committee
atau Perusahaan Publik cukup is formed, the Issuer or Public
mengungkapkan informasi Company is sufficient to disclose
sebagaimana dimaksud dalam the information as referred to in
huruf i) sampai dengan huruf l) dan letter i) to letter l) and disclose:
mengungkapkan:
(1) alasan tidak dibentuknya - (1) Reasons for not forming the
komite; dan committee; and
(2) pihak yang melaksanakan - (2) The party carrying out the
fungsi nominasi dan nomination and remuneration
remunerasi; function;
8) Komite lain yang dimiliki Emiten atau 504-544 8) Other committees owned by Issuers or
Perusahaan Publik dalam rangka Public Companies in order to support
mendukung fungsi dan tugas Direksi the functions and tasks of the Board of
(jika ada) dan/atau komite yang Directors (if any) and / or committees
mendukung fungsi dan tugas Dewan that support the functions and duties of
Komisaris, paling sedikit memuat: the Board of Commissioners, the least
contains:
a) Nama dan jabatannya dalam √ a) Name and position in the
keanggotaan komite; Committee;
b) Usia; √ b) Age;
c) Kewarganegaraan; √ c) Citizenship;
d) Riwayat pendidikan; √ d) Education background;
e) Riwayat jabatan, meliputi √ e) History of position, including:
informasi:
sebagai anggota komite; appointment as member of
the committee;
anggota Dewan Komisaris, of Board of Commissioners,
anggota Direksi, dan/atau member of Board of Directors,
anggota komite serta jabatan and/or member of committee,
lainnya (jika ada); dan and other position (if any); and
f) Periode dan masa jabatan anggota √ f) Period and terms of office of the
komite; member of Audit Committee;

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g) Pernyataan independensi komite; √ g) Statement of committee
independence;
h) Pendidikan dan/atau pelatihan √ h) Training and/or competency
and
i) Uraian tugas dan tanggung jawab; √ i) Description of duties and
responsibilities;
j) Pernyataan bahwa telah memiliki √ j) A statement that the committee
pedoman atau piagam (charter) has had guidelines or charters;
komite;
k) Kebijakan dan pelaksanaan tentang √ k) Policies and implementation of the
frekuensi rapat komite dan tingkat frequency of committee meetings
kehadiran anggota komite dalam and the level of attendance of
rapat tersebut; committee members at the
meeting; and
l) uraian singkat pelaksanaan √ l) A brief description of the
kegiatan pada tahun buku; dan committee’s activities for the fiscal
year;
9) Sekretaris Perusahaan, mencakup 545-548 9) Corporate Secretary, including:
antara lain:
a) nama; 545-546 a) name;
b) domisili; 545-546 b) domicile;
c) riwayat jabatan, meliputi informasi: 545-546 c) history of position, including:
(1) dasar hukum penunjukan √ (1) legal basis for the appointment
sebagai Sekretaris Perusahaan; as Corporate Secretary; and
dan
(2) pengalaman kerja beserta √ (2) working experience and period
periode waktunya baik di in and outside the Issuer or
dalam maupun di luar Emiten Public Company;
d) riwayat pendidikan; 545-546 d) education background;
e) pendidikan dan/atau pelatihan 164-167 e) education and/or training during
yang diikuti dalam tahun buku; dan the year under review; and
f) uraian singkat pelaksanaan tugas 547-548 f) brief description on the
Sekretaris Perusahaan pada tahun implementation of duties of the
buku; Corporate Secretary in the year
under review;
10) Unit Audit Internal, mencakup antara 549-553 10) Internal Audit Unit, among others
lain: including:
a) Nama kepala Unit Audit Internal; 551 a) Name of Head of Internal Audit
Unit;
b) Riwayat jabatan, meliputi 551 b) History of position, including:
informasi:
sebagai Kepala Audit Internal; appointment as Head of
dan Internal Audit Unit; and
c) Kualifikasi atau sertifikasi sebagai 551 c) Qualification or certification as
profesi audit internal (jika ada); internal auditor (if any);
d) Pendidikan dan/atau pelatihan 167-168 d) Education and/or training during
yang diikuti dalam tahun buku; the year under review;
e) Struktur dan kedudukan Unit Audit 550 e) Structure and position of Internal
Internal; Audit Unit;
f) Uraian tugas dan tanggung jawab; 551-552 f) Description of duties and
responsibilities;
g) Pernyataan bahwa telah memiliki 549 g) Statement that the Internal Audit
pedoman atau piagam (charter) Unit has already have Internal
Unit Audit Internal; dan Audit Unit charter; and
h) Uraian singkat pelaksanaan tugas 553 h) Brief description on the
Unit Audit Internal pada tahun implementation of duty of Internal
buku; Audit Unit during the year under
review;

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11) Uraian mengenai sistem pengendalian - 11) Description on internal control system
internal (internal control) yang adopted by the Issuer or Public
diterapkan oleh Emiten atau Company, at least covering:
Perusahaan Publik, paling sedikit
mengenai:
a) Pengendalian keuangan dan - a) Financial and operational control,
operasional, serta kepatuhan and compliance to the other
terhadap peraturan perundang- prevailing rules; and
undangan lainnya; dan
b) Tinjauan atas efektivitas sistem - b) Review on the effectiveness of
pengendalian internal; internal control systems;
c) Pernyataan Direksi dan/atau - c) Statement of the Board of Directors
Dewan Komisaris atas kecukupan and/or Board of Commissioners on
sistem pengendalian internal; the adequacy of the internal control
system;
12) Sistem manajemen risiko yang 259-341 12) Risk management system implemented
diterapkan oleh Emiten atau by the company, at least includes:
Perusahaan Publik, paling sedikit
mengenai:
a) Gambaran umum mengenai sistem 259-273 a) General description about the
manajemen risiko Emiten atau company’s risk management
Perusahaan Publik; system the Issuer or Public
Company;
b) Jenis risiko dan cara 275-297 b) Types of risk and the management;
pengelolaannya; dan and
c) Tinjauan atas efektivitas sistem 271-273 c) Review the effectiveness of the risk
manajemen risiko Emiten atau management system applied by
Perusahaan Publik; the Issuer or Public Company;
d) Pernyataan Direksi dan/atau 273 d) Statement of the Board of Directors
Dewan Komisaris atau komite audit and/or the Board of Commissioners
atas kecukupan sistem manajemen or the audit committee on the
risiko; adequacy of the risk management
system;
13) Perkara hukum yang berdampak 564 13) Legal cases that have a material impact
material yang dihadapi oleh Emiten faced by Issuers or Public Companies,
atau Perusahaan Publik, entitas anak, subsidiaries, members of the Board of
anggota Direksi dan anggota Dewan Directors and members of the Board of
Komisaris (jika ada), antara lain Commissioners (if any), at least contain:
meliputi:
a) Pokok perkara/gugatan; √ a) Substance of the case/claim;
b) Status penyelesaian perkara/ √ b) Status of settlement of case/claim;
gugatan; dan and
c) Pengaruhnya terhadap kondisi √ c) Potential impacts on the condition
Emiten atau Perusahaan Publik; of the Issuer or Public Company;
14) Informasi tentang sanksi administratif 565 14) information about administrative
yang dikenakan kepada Emiten atau sanctions imposed to Issuer or Public
Perusahaan Publik, anggota Dewan Company, members of the Board
Komisaris dan Direksi, oleh otoritas of Commissioners and the Board
Pasar Modal dan otoritas lainnya pada of Directors, by the Capital Market
tahun buku (jika ada); Authority and other authorities during
the last fiscal year (if any);
15) Informasi mengenai kode etik Emiten 569-570 15) information about codes of conduct of
atau Perusahaan Publik meliputi: the Issuer or Public Company, includes:
a) Pokok-pokok kode etik; 569 a) Key points of the code of conduct;
b) Bentuk sosialisasi kode etik dan 569 b) Socialization of the code of conduct
upaya penegakannya; dan and enforcement; and
c) Pernyataan bahwa kode etik 570 c) Statement that the code of conduct
berlaku bagi anggota Direksi, is applicable for the Board of
anggota Dewan Komisaris, dan Commissioners, the Board of
karyawan Emiten atau Perusahaan Directors, and employees of the
Publik; Issuer of Public Company;

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16) Uraian singkat mengenai kebijakan 224 16) A brief description of the policy of
pemberian kompensasi jangka panjang providing long-term performance-
berbasis kinerja kepada manajemen based compensation to management
dan/atau karyawan yang dimiliki oleh and/or employees owned by the Issuer
Emiten atau Perusahaan Publik (jika or Public Company (if any), including
ada), antara lain berupa program the management stock ownership
kepemilikan saham oleh manajemen program (MSOP) and/or program
(management stock ownership program/ employee stock ownership (ESOP);
MSOP) dan/atau program kepemilikan
saham oleh karyawan (employee
stock ownership program/ESOP);
Dalam hal pemberian kompensasi
berupa program kepemilikan saham
oleh manajemen (management stock
ownership program/MSOP) dan/atau
program kepemilikan saham oleh
karyawan (employee stock ownership
program/ESOP), informasi yang
diungkapkan paling sedikit memuat:
a) jumlah saham dan/atau opsi; - a) Number of shares and/or options;
b) jangka waktu pelaksanaan; - b) Implementation period;
c) persyaratan karyawan dan/atau - c) Requirements for eligible
manajemen yang berhak; dan employees and/or management;
and
d) harga pelaksanaan atau penentuan - d) Exercise price or determination of
harga pelaksanaan; exercise price;
17) Uraian singkat mengenai kebijakan 453-456 17) A brief description of the information
pengungkapan informasi mengenai: disclosure policy regarding:
a) Kepemilikan saham anggota Direksi √ a) Share ownership of members
dan anggota Dewan Komisaris of the Board of Directors and
paling lambat 3 (tiga) hari kerja members of the Board of
setelah terjadinya kepemilikan atau Commissioners no later than 3
setiap perubahan kepemilikan atas (three) working days after the
saham Perusahaan Terbuka; dan occurrence of ownership or any
change in ownership of shares of a
Public Company; and
b) Pelaksanaan atas kebijakan √ b) Implementation of the policy;
dimaksud;
18) Uraian mengenai sistem pelaporan 579-580 18) Description of whistleblowing system
pelanggaran (whistleblowing system) di at the Issuer or Public Company (if any),
Emiten atau Perusahaan Publik (jika among others include:
ada), antara lain meliputi:
a) Cara penyampaian laporan √ a) Mechanism for violation reporting;
pelanggaran;
b) Perlindungan bagi pelapor; √ b) Protection for the whistleblower;
c) Penanganan pengaduan; √ c) Handling of violation reports;
d) Pihak yang mengelola pengaduan; √ d) Unit responsible for handling of
dan violation report; and
e) Hasil dari penanganan pengaduan, √ e) Results from violation report
paling sedikit meliputi: handling, at least includes:
(1) Jumlah pengaduan yang - (1) Number of complaints
masuk dan diproses dalam received and processed during
tahun buku; dan the fiscal year; and
(2) Tindak lanjut pengaduan; √ (2) Follow up of complaints;
19) Uraian mengenai kebijakan anti korupsi 571-575 19) A description of the anti-corruption
Emiten atau Perusahaan Publik, paling policy of the Issuer or Public Company,
sedikit memuat: at least containing:
a) program dan prosedur yang √ a) Programs and procedures
dilakukan dalam mengatasi praktik implemented in overcoming
korupsi, balas jasa (kickbacks), corrupt practices, kickbacks, fraud,
fraud, suap dan/atau gratifikasi bribery and/or gratification in
dalam Emiten atau Perusahaan Issuers or Public Companies; and
Publik; dan
b) pelatihan/sosialisasi anti korupsi √ b) Anti-corruption training/
kepada karyawan Emiten atau socialization to employees of
Perusahaan Publik; Issuers or Public Companies;
20) Penerapan atas Pedoman Tata Kelola 359-375 20) Implementation of the Guidelines
Perusahaan Terbuka bagi Emiten yang of Corporate Governance for Public
menerbitkan Efek Bersifat Ekuitas atau Companies for Issuer issuing Equity-
Perusahaan Publik, meliputi: based Securities or Public Company,
including:

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a) pernyataan mengenai rekomendasi √ a) statement regarding
yang telah dilaksanakan; dan/atau recommendation that have been
implemented; and/or
b) penjelasan atas rekomendasi yang √ b) description of recommendation
belum dilaksanakan, disertai alasan that have not been implemented,
dan alternatif pelaksanaannya (jika along with the reason and
ada); alternatives of implementation (if
any);
h. Tanggung Jawab Sosial dan Lingkungan h. Social and Environmental Responsibility of
Emiten atau Perusahaan Publik the Issuer or Public Company
1) Informasi yang diungkapkan dalam 1) The information disclosed in the social
bagian tanggung jawab sosial dan and environmental responsibility
lingkungan merupakan Laporan section is a Sustainability Report as
Keberlanjutan (Sustainability Report) referred to in the Financial Services
sebagaimana dimaksud dalam Authority Regulation Number 51/
Peraturan Otoritas Jasa Keuangan POJK.03/2017 concerning the
Nomor 51/POJK.03/2017 tentang Implementation of Sustainable Finance
Penerapan Keuangan Berkelanjutan for Financial Services Institutions,
bagi Lembaga Jasa Keuangan, Emiten, Issuers, and Public Companies, at at
dan Perusahaan Publik, paling sedikit least includes:
memuat:
a) penjelasan strategi keberlanjutan; a) Explanation of the sustainability
strategy;
b) ikhtisar aspek keberlanjutan b) Overview of sustainability
(ekonomi, sosial, dan lingkungan aspects (economic, social, and
hidup); environmental);
c) profil singkat Emiten atau c) Brief profile of the Issuer or Public
Perusahaan Publik; Company;
d) penjelasan Direksi; d) Explanation of the Board of
Directors;
e) tata kelola keberlanjutan; e) Sustainability governance;
f) kinerja keberlanjutan; f) Sustainability performance;
g) verifikasi tertulis dari pihak g) Written verification from an
independen, jika ada; independent party, if any;
h) lembar umpan balik (feedback) h) Feedback sheet for readers, if any;
untuk pembaca, jika ada; dan and
i) anggapan Emiten atau Perusahaan i) The response of the Issuer or
Publik terhadap umpan balik Public Company to the previous
laporan tahun sebelumnya; year’s report feedback;
2) Laporan Keberlanjutan sebagaimana 2) The Sustainability Report as referred
dimaksud pada angka 1), harus disusun to in number 1) must be prepared
sesuai Pedoman Teknis Penyusunan in accordance with the Technical
Laporan Keberlanjutan (Sustainability Guidelines for the Preparation of a
Report) Bagi Emiten dan Perusahaan Sustainability Report for Issuers and
Publik sebagaimana tercantum dalam Public Companies as contained in
Lampiran II yang merupakan bagian Appendix II which is an integral part of
tidak terpisahkan dari Surat Edaran this Financial Services Authority Circular
Otoritas Jasa Keuangan ini; Letter;
3) Informasi Laporan Keberlanjutan 3) Information on the Sustainability
(Sustainability Report) pada angka 1) Report in number 1) can:
dapat:
a) diungkapkan pada bagian lain yang a) Disclosed in other relevant
relevan di luar bagian tanggung sections outside the Social and
jawab sosial dan lingkungan, Environmental Responsibility
seperti penjelasan Direksi section, such as the Directors’
terkait Laporan Keberlanjutan explanation regarding the
diungkapkan dalam bagian terkait Sustainability Report disclosed in
Laporan Direksi; dan/atau the section related to the Directors’
Report; and/or

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b) merujuk pada bagian lain di b) Refers to other sections outside
luar bagian tanggung jawab the Social and Environmental
sosial dan lingkungan dengan Responsibility section by still
tetap mengacu pada Pedoman referring to the Technical
Teknis Penyusunan Laporan Guidelines for the Preparation of
Keberlanjutan (Sustainability Report) Sustainability Reports for Issuers
bagi Emiten dan Perusahaan Publik and Public Companies as listed in
sebagaimana tercantum dalam Appendix II which is an integral
Lampiran II yang merupakan part of this Financial Services
bagian tidak terpisahkan dari Surat Authority Circular Letter, such as
Edaran Otoritas Jasa Keuangan the profile of the Issuer or Public
ini, seperti profil Emiten atau Company;
Perusahaan Publik;
4) Laporan Keberlanjutan (Sustainability 4) The Sustainability Report as referred to

Report) sebagaimana dimaksud pada in number 1) is an inseparable part of
angka 1) merupakan bagian yang tidak the Annual Report but can be presented
terpisahkan dari Laporan Tahunan separately from the Annual Report;
namun dapat disajikan secara terpisah
dengan Laporan Tahunan;
5) Dalam hal Laporan Keberlanjutan 5) In the event that the Sustainability
disajikan secara terpisah dengan Report is presented separately from
Laporan Tahunan, informasi yang the Annual Report, the information
diungkapkan dalam Laporan disclosed in the Sustainability Report
Keberlanjutan dimaksud harus: must:
a) memuat seluruh informasi a) Contains all the information as
sebagaimana dimaksud pada referred to in number 1); and
angka 1); dan
b) disusun sesuai Pedoman b) Prepared in accordance with
Teknis Penyusunan Laporan the Technical Guidelines for the
Keberlanjutan (Sustainability Report) Preparation of a Sustainability
Emiten dan Perusahaan Publik Report for Issuers and Public
sebagaimana tercantum dalam Companies as listed in Appendix
Lampiran II yang merupakan II which is an integral part of
bagian tidak terpisahkan dari Surat this Financial Services Authority
Edaran Otoritas Jasa Keuangan ini; Circular Letter;
6) Dalam hal Laporan Keberlanjutan 6) In the event that the Sustainability
disajikan secara terpisah dengan Report is presented separately from
Laporan Tahunan, maka dalam bagian the Annual Report, then the Social and
tanggung jawab sosial dan lingkungan Environmental Responsibility section
memuat informasi bahwa informasi contains information that information
mengenai tanggung jawab sosial dan on Social and Environmental
lingkungan telah diungkapkan dalam Responsibility has been disclosed in the
Laporan Keberlanjutan yang disajikan Sustainability Report which is presented
secara terpisah dari Laporan Tahunan; separately from the Annual Report; and
dan
7) Penyampaian Laporan Keberlanjutan 7) Submission of the Sustainability Report
(Sustainability Report) yang disajikan which is presented separately from
secara terpisah dengan Laporan the Annual Report must be submitted
Tahunan harus disampaikan together with the Annual Report.
bersamaan dengan penyampaian
Laporan Tahunan.
i Laporan Keuangan Tahunan yang Telah 618-785 i Audited Annual Financial Statement
Diaudit
Laporan keuangan tahunan yang dimuat √ Financial Statements included in Annual
dalam Laporan Tahunan disusun sesuai Report should be prepared in accordance
dengan Standar Akuntansi Keuangan di with the Financial Accounting Standards in
Indonesia dan telah diaudit oleh Akuntan. Indonesia and audited by an Accountant. The
Laporan keuangan dimaksud memuat said financial statement should be included
pernyataan mengenai pertanggungjawaban with statement of responsibility for financial
atas laporan keuangan sebagaimana report as stipulated in the legislations in
diatur dalam peraturan perundang- the Capital Markets sector governing the
undangan di sektor Pasar Modal yang responsibility of the Board of Directors on
mengatur mengenai tanggung jawab Direksi the financial report or the legislations in the
atas laporan keuangan atau peraturan Capital Markets sector governing the periodic
perundang-undangan di sektor Pasar reports of securities company in the event
Modal yang mengatur mengenai laporan the Issuer is a Securities Company; and
berkala Perusahaan Efek dalam hal Emiten
merupakan Perusahaan Efek; dan
j Surat Pernyataan Anggota Direksi dan 60-61 j Letter of Statement of the Board of Directors
Anggota Dewan Komisaris tentang Tanggung and the Board of Commissioners regarding
Jawab atas Laporan Tahunan the Responsibility for Annual Reporting

Kriteria Annual Report Awards
Annual Report Award Criteria
Halaman
Page
I. Umum General
1 Laporan tahunan disajikan dalam bahasa Indonesia The Annual Report shall be written in good and correct
yang baik dan benar dan dianjurkan menyajikan juga √ Indonesian, and is recommended to be presented in
dalam bahasa Inggris English
2 Laporan tahunan dicetak dengan kualitas yang baik The Annual Report shall be printed with good quality
dan menggunakan jenis dan ukuran huruf yang mudah using readable type and size of fonts
dibaca
3 Laporan tahunan mencantumkan identitas perusahaan The Annual Report shall present clear identity of the
√
dengan jelas company
4 Nama perusahaan dan tahun annual report ditampilkan Company name and the Annual Report financial year
√
di: shall be presented on:
a. Sampul muka; a. Front Cover;
b. Samping; √ b. Side Cover;

c. Sampul belakang; dan √ c. Back Cover; and
d. Setiap halaman. √ d. Every page
5 Laporan tahunan ditampilkan di website perusahaan The Annual Report shall be posted in the company’s
√
website
Mencakup laporan tahunan terkini dan paling kurang 4 Including the latest Annual Report as well as those for
√
tahun terakhir. the last four years, at least.
II. Ikhtisar Data Keuangan Penting Key Financial Highlights
1 Informasi hasil usaha perusahaan dalam bentuk Income statement in comparison for 3 (three) financial
perbandingan selama 3 (tiga) tahun buku atau years or since the commencement of business if the
sejak memulai usahanya jika perusahaan tersebut 8 company has been running its business activities for less
menjalankan kegiatan usahanya selama kurang dari 3 than 3 (three) years Information contains the following:
(tiga) tahun Informasi memuat antara lain:
a. Penjualan/pendapatan usaha; 8 a. Income;
b. Laba (rugi): 8 b. Profit (loss):
• Diatribusikan kepada pemilik entitas induk; dan • Attributable to equity holders of the parent entity;
8
and
• Diatribusikan kepada kepentingan non-pengendali; 8 • Attributable to non controlling interest;
c. Penghasilan komprehensif periode berjalan: 8 c. Total comprehensive profit (loss):
• Diatribusikan kepada pemilik entitas induk; dan • Attributable to equity holders of the parent entity;
8
and
• Diatribusikan kepada kepentingan non-pengendali; • Attributable to non controlling interest;
8
dan
d. Laba (rugi) per saham. 8 d. Earning (loss) per share.
Catatan: Apabila perusahaan tidak memiliki entitas Note: If the company does not have subsidiaries,
anak, perusahaan menyajikan laba (rugi) dan the profit (loss) and other comprehensive income is
penghasilan komprehensif periode berjalan secara total. presented in total.
2 Informasi posisi keuangan perusahaan dalam bentuk Financial position in comparison for 3 (three) financial
perbandingan selama 3 (tiga) tahun buku atau years or since the commencement of business if the
sejak memulai usahanya jika perusahaan tersebut 8 company has been running its business activities for less
menjalankan kegiatan usahanya selama kurang dari 3 than 3 (three) years Information contains the following:
(tiga) tahun Informasi memuat antara lain:
a. Jumlah investasi pada entitas asosiasi; 8 a. Total investment on associates;
b. Jumlah aset; 8 b. Total assets
c. Jumlah liabilitas; dan 8 c. Total liabilities; and
d. Jumlah ekuitas. 8 d. Total equity.

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3 Rasio keuangan dalam bentuk perbandingan selama Financial ratio in comparison for 3 (three) financial years
3 (tiga) tahun buku atau sejak memulai usahanya jika or since the commencement of business if the company
perusahaan tersebut menjalankan kegiatan usahanya has been running its business activities for less than 3
selama kurang dari 3 (tiga) tahun 9 (three) years
Informasi memuat 5 (lima) rasio keuangan yang umum Information covers 5 (five) financial ratios, which
dan relevan dengan industri perusahaan. are generally applied and relevant to the company’s
industry.
4 Informasi harga saham dalam bentuk tabel dan grafik Share price information in tables and charts
a. Jumlah saham yang beredar; a. Number of shares outstanding;
b. Informasi dalam bentuk tabel yang memuat: b. The table forms contain the following information:
• Kapitalisasi pasar berdasarkan harga pada Bursa • Market capitalization based on share price on the
Efek tempat saham dicatatkan; Stock Exchange where the shares are listed;
• Harga saham tertinggi, terendah, dan penutupan • Highest, lowest and closing share price based
berdasarkan harga pada Bursa Efek tempat saham on share price on the Stock Exchange where the
dicatatkan; dan shares are listed; and
• Volume perdagangan saham pada Bursa Efek • Trading volume of shares on the Stock Exchange
tempat saham dicatatkan. where the shares are listed.
c. Informasi dalam bentuk grafik yang memuat paling 11 c. The graph forms contain at least the following
kurang: information:
• Harga penutupan berdasarkan harga pada Bursa • The closing price of shares based on share price
Efek tempat saham dicatatkan; dan on the Stock Exchange where the shares are listed;
and
• Volume perdagangan saham pada Bursa Efek • Trading volume of shares on the Stock Exchange
tempat saham dicatatkan. where the shares are listed
Untuk setiap masa triwulan dalam 2 (dua) tahun buku For each quarter in the latest 2 (two) financial years.
terakhir.
Catatan: apabila perusahaan tidak memiliki kapitalisasi Note: Should be disclosed if the company does not have
pasar, informasi harga saham, dan volume perdagangan market capitalization, share price, and share trading
saham, agar diungkapkan. volume.
5 Informasi mengenai obligasi, sukuk atau obligasi Information regarding outstanding bonds, sukuk or
konversi yang masih beredar dalam 2 (dua) tahun buku convertible bonds, in 2 (two) latest financial years
terakhir
Informasi memuat: Information contains:
a. Jumlah obligasi/sukuk/obligasi konversi yang beredar a. Number of outstanding bonds, sukuk or convertible
(outstanding); bonds;
13
b. Tingkat bunga/imbalan; b. Interest rate/yield;
c. Tanggal jatuh tempo; dan c. Maturity date; and
d. Peringkat obligasi/sukuk tahun 2018 dan 2019. d. Rating of bonds/sukuk in 2018 and 2019.
Catatan: apabila perusahaan tidak memiliki obligasi/ Note: Should be disclosed if the company does not have
sukuk/obligasi konversi, agar diungkapkan. outstanding bonds, sukuk or convertible bonds.
III. Laporan Dewan Komisaris dan Direksi Board of Commissioners and Board of Directors’
Reports
1 Laporan Dewan Komisaris Board of Commissioners’ Report
29-41
Memuat hal-hal sebagai berikut: Contain the following:
a. Penilaian atas kinerja Direksi mengenai pengelolaan a. Assessment on the performance of the Board of
perusahaan dan dasar penilaiannya; 30-32 Directors in managing the company and the basis for
such evaluation;
b. Pandangan atas prospek usaha perusahaan yang b. Views on the business prospects of the company as
disusun oleh Direksi dan dasar pertimbangannya; 34 prepared by the Board of Directors and the basis for
such consideration;
c. Pandangan atas penerapan/pengelolaan c. Views on the implementation/management of the
whistleblowing system (WBS) di perusahaan dan 35 company’s whistleblowing system (WBS), and the role
peran Dewan Komisaris dalam WBS tersebut; dan of the Board of Commissioners in the WBS; and
d. Perubahan komposisi Dewan Komisaris (jika ada) dan d. Changes in the composition of the Board of
alasan perubahannya. 37-38 Commissioners (if any) and the reason for such
changes.

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2 Laporan Direksi Board of Directors’ report
43-59
a. Analisis atas kinerja perusahaan, yang mencakup a. Analysis of the company’s performance, covering
45-48
• kebijakan strategis; 45-46 • strategic policies;
• perbandingan antara hasil yang dicapai dengan • comparison between targets and achievements;
47-48
yang ditargetkan; dan and
• kendala-kendala yang dihadapi perusahaan dan • challenges faced by the company and initiatives to
45
langkah-langkah penyelesaiannya; deal with those challenges;
b. Analisis tentang prospek usaha; 49 b. Analysis on business prospects;
c. Perkembangan penerapan tata kelola perusahaan c. Developments in the implementation of GCG during
51-52
pada tahun buku; dan the fiscal year; and
d. Perubahan komposisi anggota Direksi (jika ada) dan d. Changes in the composition of the Board of Directors
54
alasan perubahannya. (if any) and the reason for such changes.
3 Tanda tangan anggota Dewan Komisaris dan anggota Signatures of members of the Board of Commissioners
Direksi 60-61 and Board of Directors
a. Tanda tangan dituangkan pada lembaran tersendiri; a. Signatures on a separate page;
b. Pernyataan bahwa Dewan Komisaris dan Direksi b. Statement of responsibility of the Board of
bertanggung jawab penuh atas kebenaran isi laporan √ Commissioners and Board of Directors for the
tahunan; accuracy of the contents of the Annual Report;
c. Ditandatangani seluruh anggota Dewan Komisaris c. Signed by all members of the Board of
dan anggota Direksi dengan menyebutkan nama dan √ Commissioners and Board of Directors by stating
jabatannya; dan their names and position; and
d. Penjelasan tertulis dalam surat tersendiri dari d. Written explanation in separate letter from the
yang bersangkutan dalam hal terdapat anggota person(s) concerned in the event that member(s) of
Dewan Komisaris atau anggota Direksi yang tidak Board of Commissioners or Board of Directors fail
menandatangani laporan tahunan, atau penjelasan - to sign the annual report; or: written explanation
tertulis dalam surat tersendiri dari anggota yang lain in separate letter from other member(s) in the
dalam hal tidak terdapat penjelasan tertulis dari yang event that there is no written explanation from the
bersangkutan. person(s) concerned.
IV. Profil Perusahaan 64-183 Company Profile
1 Nama dan alamat lengkap perusahaan Name and complete address of the company
Informasi memuat antara lain: nama dan alamat, kode 64 Information contains, among others, name and address,
pos, no. Telp, no. Fax, e-mail, dan website. post code, telephone number, fax, e-mail and website.
2 Riwayat singkat perusahaan Brief history of the company
Mencakup antara lain: tanggal/tahun pendirian, nama, Contain among others: date/year of establishment,
66
perubahan nama perusahaan (jika ada), dan tanggal name of the company, change of name (if any), and
efektif perubahan nama perusahaan. effective date of the change of name.
Catatan: apabila perusahaan tidak pernah melakukan Note: to be disclosed if the company never had a
-
perubahan nama, agar diungkapkan change of name
3 Bidang usaha Line of business
74-88
Uraian mengenai antara lain: Description of, among others:
a. Kegiatan usaha perusahaan menurut anggaran dasar a. The line of business as stated in the latest Articles of
74-76
terakhir; Association;
b. Kegiatan usaha yang dijalankan; dan 76 b. Business activities; and
c. Produk dan/atau jasa yang dihasilkan. 77-88 c. Product and/or services offered.
4 Struktur Organisasi Organization structure
Dalam bentuk bagan, meliputi nama dan jabatan paling 104-105 Diagram of organization structure, containing name and
kurang sampai dengan struktur satu tingkat di bawah position of personnel up to one level below Director, at
Direksi. least
5 Visi, Misi, dan Budaya Perusahaan Vision, Mission and Corporate Culture
72-73
Mencakup: Covers:
a. Visi perusahaan; 72 a. Vision;
b. Misi perusahaan; 72 b. Mission;
c. Keterangan bahwa visi dan misi tersebut telah direviu c. Statement that the vision and mission have
dan disetujui oleh Direksi/Dewan Komisaris pada 72 been reviewed and approved by the Board of
tahun buku; dan Commissioners/Directors in the fiscal year; and
d. Pernyataan mengenai budaya perusahaan (corporate d. Statement on the corporate culture.
72-73
culture) yang dimiliki perusahaan.

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6 Identitas dan riwayat hidup singkat anggota Dewan Profiles of members of the Board of Commissioners
114-131
Komisaris Informasi memuat antara lain: Contain information on:
a. Nama; a. Name;
b. Jabatan dan periode jabatan (termasuk jabatan pada b. Position and period in position (including position(s)
perusahaan atau lembaga lain); held at other company/institution);
c. Umur; c. Age;
d. Domisili; d. Domicile;
√
e. Pendidikan (Bidang Studi dan Lembaga Pendidikan); e. Education (study field and education institution);
f. Pengalaman kerja (Jabatan, Instansi, dan Periode f. Work experience (position, company, and period in
Menjabat); dan position); and
g. Riwayat penunjukkan (periode dan jabatan) sebagai g. History of assignments (period and position) as
anggota Dewan Komisaris di Perusahaan sejak member of the Board of Commissioners at the
pertama kali ditunjuk. company since the first appointment.
7 Identitas dan riwayat hidup singkat anggota Direksi Profiles of members of the Board of Directors Contain
132-145
Informasi memuat antara lain: information on:
a. Nama; a. Name;
b. Jabatan dan periode jabatan (termasuk jabatan pada b. Position and period in position (including position(s)
perusahaan atau lembaga lain); held at other company/institution);
c. Umur; c. Age;
d. Domisili; d. Domicile;
√
e. Pendidikan (Bidang Studi dan Lembaga Pendidikan); e. Education (study field and education institution);
f. Pengalaman kerja (Jabatan, Instansi, dan Periode f. Work experience (position, company, and period in
Menjabat); dan position); and
g. Riwayat penunjukkan (periode dan jabatan) sebagai g. History of assignments (period and position) as
anggota Direksi di Perusahaan sejak pertama kali member of the Board of Directors at the company
ditunjuk. since the first appointment.
8 Jumlah karyawan (komparatif 2 tahun) dan data Total number of employees (comparative for 2 years)
pengembangan kompetensi karyawan yang and data on employee competence development
mencerminkan adanya kesempatan untuk masing- 153-155 programs reflecting equal opportunities for each level of
masing level organisasi the organization
Informasi memuat antara lain: Information contains, among others:
a. Jumlah karyawan untuk masing-masing level a. Number of employees at each level of the
√
organisasi; organization;
b. Jumlah karyawan untuk masing-masing tingkat b. Number of employees by education;
√
pendidikan;
c. Jumlah karyawan berdasarkan status kepegawaian; √ c. Number of employees by employment status;
d. Data pengembangan kompetensi karyawan yang d. Data on employee competence development
telah dilakukan pada tahun buku yang terdiri dari programs during the fiscal year, concerning position
155
pihak (level jabatan) yang mengikuti pelatihan, jenis of participants, type of training, and purpose of
pelatihan, dan tujuan pelatihan; dan training; and
e. Biaya pengembangan kompetensi karyawan yang e. The costs of employee competence development
155
telah dikeluarkan pada tahun buku. programs in the fiscal year.
9 Komposisi Pemegang saham Shareholders composition
171-173
Mencakup antara lain: Covering among others:
a. Rincian nama pemegang saham yang meliputi a. Names of the 20 largest shareholders and their
20 pemegang saham terbesar dan persentase 171 shareholding percentage;
kepemilikannya;
b. Rincian pemegang saham dan persentase b. Details of shareholders and shareholding percentage:
172
kepemilikannya meliputi:
• Nama pemegang saham yang memiliki 5% atau • Names of shareholders with 5% or more
√
lebih saham; dan shareholding; and
• Kelompok pemegang saham masyarakat dengan • Group of public shareholders with individual
√
kepemilikan saham masing-masing kurang dari 5%. shareholding of less than 5% each.
c. Nama Direktur dan Komisaris serta persentase c. Names of Director and Commissioner with direct or
kepemilikan sahamnya secara langsung dan tidak 172 indirect share-ownership and the percentage of such
langsung. shareholding.
Catatan: apabila Direktur dan Komisaris tidak memiliki Note: should be disclosed if the Director and
saham langsung dan tidak langsung, agar diungkapkan. Commissioner does not own shares, directly or
indirectly.

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10 Daftar entitas anak dan/atau entitas asosiasi List of subsidiaries and/or associated entities
180
Dalam bentuk tabel memuat informasi antara lain: In table form, containing:
a. Nama entitas anak dan/atau asosiasi; a. Name of subsidiary and/or associated entity;
b. Persentase kepemilikan saham; b. Share-ownership percentage;
c. Keterangan tentang bidang usaha entitas anak dan/ c. Line of business of subsidiary and/or associated
atau entitas asosiasi; dan √ entity; and
d. Keterangan status operasi entitas anak dan/atau d. Operational status of subsidiary and/or associated
entitas asosiasi (telah beroperasi atau belum entity (in commercial operation/not yet in commercial
beroperasi). operation).
11 Struktur grup perusahaan Corporate group structure
Struktur grup perusahaan dalam bentuk bagan yang Diagram of corporate group structure involving
menggambarkan entitas induk, entitas anak, entitas 176 relationship of the parent company, subsidiary,
asosiasi, joint venture, dan special purpose vehicle (SPV). associated entity, joint venture, and special purpose
vehicle (SPV).
12 Kronologi penerbitan saham (termasuk private Chronology of share listing (including private placement)
placement) dan/atau pencatatan saham dari awal 174 and/or share listing from the share issuance up to the
penerbitan sampai dengan akhir tahun buku end of the fiscal year
Mencakup antara lain: Covers, among others:
a. Tahun penerbitan saham, jumlah saham, nilai a. Year of share issuance, number of shares issued,
nominal saham, dan harga penawaran saham untuk par value, and share offer price, for each separate
masing-masing tindakan korporasi (corporate action); √ corporate action;
b. Jumlah saham tercatat setelah masing-masing b. Total number of shares outstanding following the
tindakan korporasi (corporate action); dan corporate action; and
c. Nama bursa dimana saham perusahaan dicatatkan. c. The stock exchange where the shares are listed.
Catatan: apabila perusahaan tidak memiliki kronologi Note: should be disclosed if the company does not have
-
pencatatan saham, agar diungkapkan. a chronology of share listing.
13 Kronologi penerbitan dan/atau pencatatan efek lainnya Chronology of other securities issuance and/or listing
dari awal penerbitan sampai dengan akhir tahun buku 175 from the time of issuance up until the end of the fiscal
year
a. Nama efek lainnya, tahun penerbitan efek lainnya, a. Name of security instrument, year of issuance,
tingkat bunga/imbalan efek lainnya, dan tanggal jatuh √ interest rate/yield of securities, and maturity date;
tempo efek lainnya;
b. Nilai penawaran efek lainnya; √ b. Offering price of other securities;
c. Nama bursa dimana efek lainnya dicatatkan; dan c. The stock exchange where the securities are listed;
-
and
d. Peringkat efek. √ d. Rating of securities.
Catatan: apabila perusahaan tidak memiliki kronologi Note: should be disclosed if the company does not have
penerbitan dan pencatatan efek lainnya, agar - chronology of other securities issuance/listing
diungkapkan
14 Nama dan alamat lembaga dan/atau profesi penunjang Name and address of supporting institutions and/or
Informasi memuat antara lain: 180-181 professionals
Covers, among others:
a. Nama dan alamat BAE/pihak yang a. Name and address of the company’s Share Registrar;
mengadministrasikan saham perusahaan;
√
b. Nama dan alamat Kantor Akuntan Publik; dan b. Name and address of Public Accountant Firm; and
c. Nama dan alamat perusahaan pemeringkat efek. c. Name and address of rating agencies.
15 Penghargaan yang diterima dalam tahun buku terakhir Awards received during the fiscal year, or valid
dan/atau sertifikasi yang masih berlaku dalam tahun certification in the fiscal year, at both national and
buku terakhir baik yang berskala nasional maupun 14-15 international levels
internasional Covers, among others:
Informasi memuat antara lain:
a. Nama penghargaan dan/atau sertifikasi; a. Name of award and/or certification;
b. Tahun perolehan penghargaan dan/atau sertifikasi; b. Year received/issued;
c. Badan pemberi penghargaan dan/atau sertifikasi; √ c. Name of institution that issued the award/
dan certification; and
d. Masa berlaku (untuk sertifikasi). d. Validity period (certification).

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16 Nama dan alamat entitas anak dan/atau kantor cabang Name and address of subsidiaries and/or branch offices
atau kantor perwakilan (jika ada) 90-101 or representative offices (if any)
Memuat informasi antara lain: Covers information on:
a. Nama dan alamat entitas anak; dan - a. Name and address of subsidiaries; and
b. Nama dan alamat kantor cabang/perwakilan. 90-101 b. Name and address of branch/representative office.
Catatan: apabila perusahaan tidak memiliki entitas Note: should be disclosed if the company does not have
anak, kantor cabang, dan kantor perwakilan, agar - a subsidiary, branch office or representative office.
diungkapkan
17 Informasi pada Website Perusahaan Information in the corporate website
183
Meliputi paling kurang: Covers at the very least:
a. Informasi pemegang saham sampai dengan pemilik a. Information of shareholders up to the individual
-
akhir individu; ultimate shareholder;
b. Isi Kode Etik; - b. Contents of the Code of Conduct;
c. Informasi Rapat Umum Pemegang Saham (RUPS) c. Information on the General Meeting of Shareholders
paling kurang meliputi bahan mata acara yang (GMS), covering at least agenda of the GMS, summary
dibahas dalam RUPS, ringkasan risalah RUPS, dan of GMS resolutions, and information of pertinent
-
informasi tanggal penting yaitu tanggal pengumuman dates, namely the dates of GMS announcement,
RUPS, tanggal pemanggilan RUPS, tanggal RUPS, GMS invitation, GMS event, and announcement of
tanggal ringkasan risalah RUPS diumumkan; summary GMS resolutions;
d. Laporan keuangan tahunan terpisah (5 tahun d. Annual financial statements (last 5 years);
-
terakhir);
e. Profil Dewan Komisaris dan Direksi; dan e. Profiles of the Board of Commissioners and Directors;
-
and
f. Piagam/Charter Dewan Komisaris, Direksi, Komite- f. Board manual/Charter of the BoC. BoD, Committees
-
komite, dan Unit Audit Internal. and Internal Audit Unit.
18 Pendidikan dan/atau pelatihan Dewan Komisaris, Training and education for Board of Commissioners,
Direksi, Komite-komite, Sekretaris Perusahaan, dan Unit Board of Directors, Committees, Corporate Secretary,
Audit Internal 155-169 and Internal Audit Unit
Meliputi paling kurang informasi (jenis dan pihak yang Cover at least information of type of training and
relevan dalam mengikuti): participant of:
a. Pendidikan dan/atau pelatihan untuk Dewan a. Training and/or education for Board of
155-156
Komisaris; Commissioners;
b. Pendidikan dan/atau pelatihan untuk Direksi; 156-161 b. Training and/or education for Board of Directors;
c. Pendidikan dan/atau pelatihan untuk Komite Audit; 162 c. Training and/or education for Audit Committee;
d. Pendidikan dan/atau pelatihan untuk Komite d. Training and/or education for Nomination and
163
Nominasi dan Remunerasi; Remuneration Committee;
e. Pendidikan dan/atau pelatihan untuk Komite Lainnya; 164 e. Training and/or education for other Committee(s);
f. Pendidikan dan/atau pelatihan untuk Sekretaris f. Training and/or education for Corporate Secretary;
164-167
Perusahaan; dan and
g. Pendidikan dan/atau pelatihan untuk Unit Audit g. Training and/or education for Internal Audit Unit.
167-168
Internal yang diikuti pada tahun buku. During the fiscal year.
Catatan: apabila tidak terdapat pendidikan dan/atau Note: should be disclosed if there is no training and/or
-
pelatihan pada tahun buku, agar diungkapkan education during the fiscal year
V. Analisis dan Pembahasan Manajemen atas Kinerja Management Discussion and Analysis on the
186-231
Perusahaan Company Performance
1 Tinjauan operasi per segmen usaha Operation review per business segment
193-203
Memuat uraian mengenai: Includes analysis on:
a. Penjelasan masing-masing segmen usaha. 193-203 a. Elaboration on each business segment.
b. Kinerja per segmen usaha, antara lain: b. Performance of each business segment, among
193-203
others:
• Produksi; • Production;
• Peningkatan/penurunan kapasitas produksi; • Increase/Decrease of production capacity;
√
• Penjualan/pendapatan usaha; dan • Sales/income; and
• Profitabilitas. • Profitability.

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2 Uraian atas kinerja keuangan perusahaan Description on the Company’s financial performance
Analisis kinerja keuangan yang mencakup perbandingan An analysis comparing the performance of the current
antara kinerja keuangan tahun yang bersangkutan 204-231 year and that of the previous year (in the form of
dengan tahun sebelumnya dan penyebab kenaikan/ narration and tables) and the reasons for the increase/
penurunan suatu akun (dalam bentuk narasi dan tabel), decrease of the accounts, including in:
antara lain mengenai:
a. Aset lancar, aset tidak lancar, dan total aset; 204-205 a. Current assets, non-current assets, and total assets;
b. Liabilitas jangka pendek, liabilitas jangka panjang dan b. Short-term liabilities, long-term liabilities, and total
205-207
total liabilitas; liabilities;
c. Ekuitas; 207 c. Equity;
d. Penjualan/pendapatan usaha, beban, laba (rugi), d. Sales/operating revenues, expenses, Profit (Loss),
penghasilan komprehensif lain, dan penghasilan 208-209 other comprehensive income, comprehensive income
komprehensif periode berjalan; dan for the current year; and
e. Arus kas. 210-211 e. Cash flows.
3 Bahasan dan analisis tentang kemampuan membayar Discussion and analysis on solvability and level of
utang dan tingkat kolektibilitas piutang perusahaan, the company receivables collectibility, by presenting
dengan menyajikan perhitungan rasio yang relevan 216-217 relevant ratio calculation in line with the company’s type
sesuai dengan jenis industri perusahaan of industry
Penjelasan tentang: Explanation on:
a. Kemampuan membayar hutang, baik jangka pendek a. Solvability, both short term and long term; and
216-217
maupun jangka panjang; dan
b. Tingkat kolektibilitas piutang. 217 b. Level of receivables collectibility.
4 Bahasan tentang struktur modal (capital structure) dan Discussion on capital structure, and management policy
kebijakan manajemen atas struktur modal (capital on capital structure
217-218
structure policy) Explanation of:
Penjelasan atas:
a. Rincian struktur modal (capital structure) yang terdiri a. Details of capital structure comprising of interest-
218
dari utang berbasis bunga/sukuk dan ekuitas; dan bearing debts/sukuk and equity;
b. Kebijakan manajemen atas struktur modal (capital b. Capital structure policies; and
217
structure policies); dan
c. Dasar pemilihan kebijakan manajemen atas struktur c. Basis for the determination of capital structure
217
modal. policies.
5 Bahasan mengenai ikatan yang material untuk investasi Discussion on material commitments of capital
barang modal (bukan ikatan pendanaan) pada tahun investments (instead of funding commitments) in the
buku terakhir last fiscal year
a. Nama pihak yang melakukan ikatan; a. Parties in the commitments;
b. Tujuan dari ikatan tersebut; b. Objectives of the commitments;
c. Sumber dana yang diharapkan untuk memenuhi c. Sources of funds to meet the commitments;
ikatan-ikatan tersebut; -
d. Mata uang yang menjadi denominasi; dan d. Denomination currency of commitments; and
e. Langkah-langkah yang direncanakan perusahaan e. Initiatives taken to mitigate exchange rate risk.
untuk melindungi risiko dari posisi mata uang asing
yang terkait.
Catatan: apabila perusahaan tidak mempunyai ikatan Note: should be disclosed if the company does not have
terkait investasi barang modal pada tahun buku terakhir any material commitment for capital investments in the
agar diungkapkan. fiscal year.
6 Bahasan mengenai investasi barang modal yang Discussion on capital investment realized at the latest
direalisasikan pada tahun buku terakhir 218 financial year
a. Jenis investasi barang modal; a. Type of capital investment;
b. Tujuan investasi barang modal; dan b. Objectives of capital investment; and
c. Nilai investasi barang modal yang dikeluarkan pada √ c. Nominal value of capital investment realized in the
tahun buku terakhir. last fiscal year.
Catatan: apabila tidak terdapat realisasi investasi Note: should be disclosed if there are no capital
barang modal, agar diungkapkan. investment.

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7 Informasi perbandingan antara target pada awal tahun Information on the comparison between initial target
buku dengan hasil yang dicapai (realisasi), dan target at the beginning of financial year and the realization
atau proyeksi yang ingin dicapai untuk satu tahun and target or projection for the next year concerning
220-221
mendatang mengenai pendapatan, laba, dan lainnya income, profit, capital structure, and others considered
yang dianggap penting bagi perusahaan. significant target for the company.
Informasi memuat antara lain: Contain information on:
a. Perbandingan antara target pada awal tahun buku a. Comparison of targets at the beginning of fiscal year
√
dengan hasil yang dicapai (realisasi); dan and achievements; and
b. Target atau proyeksi yang ingin dicapai dalam 1 (satu) b. Targets or projections set for the next 1 (one) year.
√
tahun mendatang.
8 Informasi dan fakta material yang terjadi setelah tanggal Information and material facts following the date of
laporan akuntan accounting report (Subsequent events)
Uraian kejadian penting setelah tanggal laporan 220 Description of significant events following the date of
akuntan termasuk dampaknya terhadap kinerja dan accounting report including its impact on business risk
risiko usaha di masa mendatang. and performance in the future.
Catatan: apabila tidak ada kejadian penting setelah Note: should be disclosed if there are no subsequent
-
tanggal laporan akuntan, agar diungkapkan. events.
9 Uraian tentang prospek usaha perusahaan Business prospects
Uraian mengenai prospek perusahaan dikaitkan dengan Description on business prospects related to the general
industri dan ekonomi secara umum disertai data 220 industry and economy including quantitative supporting
pendukung kuantitatif dari sumber data yang layak data from reliable resources
dipercaya.
10 Uraian tentang aspek pemasaran Marketing aspects
Uraian tentang aspek pemasaran atas produk dan/atau 221-222 Description on marketing aspects of the company’s
jasa perusahaan, antara lain strategi pemasaran dan products and/or services, among others marketing
pangsa pasar. strategy and market shares
11 Uraian mengenai kebijakan dividen dan jumlah dividen Description on dividend policy and total cash dividend
kas per saham dan jumlah dividen per tahun yang per share and total dividend per year that are published
diumumkan atau dibayar selama 2 (dua) tahun buku 223 or disbursed during last 2 (two) financial years
terakhir Contain information on:
Memuat uraian mengenai:
a. Kebijakan pembagian dividen; √ a. Dividend payout policy;
b. Total dividen yang dibagikan; b. Total dividend disbursement;
c. Jumlah dividen kas per saham; c. Total cash dividend per share;
d. Payout ratio; dan - d. Payout ratio; and
e. Tanggal pengumuman dan pembayaran dividen kas e. Announcement date and cash dividend payout for
untuk masing-masing tahun. each year.
Catatan: apabila tidak ada pembagian dividen, agar Note: To disclose if there are no dividend disbursement
223
diungkapkan alasannya. and its reasons.
12 Program kepemilikan saham oleh karyawan dan/atau Employee/Management Share Ownership Program
manajemen yang dilaksanakan perusahaan (ESOP/ (ESOP/MSOP) still ongoing in the fiscal year
224
MSOP) yang masih ada sampai tahun buku Contain information on:
a. Jumlah saham ESOP/MSOP dan realisasinya; a. Number of ESOP/MSOP shares and its execution;
b. Jangka waktu; b. Period;
c. Persyaratan karyawan dan/atau manajemen yang - c. Eligible employee/management; and
berhak; dan
d. Harga exercise. b. Exercise price.
Catatan: apabila tidak memiliki program dimaksud, Note: should be disclosed if there are no such programs
√
agar diungkapkan.
13 Realisasi penggunaan dana hasil penawaran Realization of initial public offering proceeds (in the
umum (dalam hal perusahaan masih diwajibkan event of the company is obligated to submit the report)
225
menyampaikan laporan realisasi penggunaan dana) Covers the following:
a. Total perolehan dana; a. Total proceeds;
b. Rencana penggunaan dana; b. Proceeds utilization plan;
√
c. Rincian penggunaan dana; c. Proceeds utilization details;
d. Saldo dana; dan d. Proceeds balance; and
e. Tanggal persetujuan RUPS/RUPO atas perubahan d. The date of GMS/GMB resolution on the change of
-
penggunaan dana (jika ada). proceeds utilization (if any).
Catatan: apabila tidak memiliki informasi realisasi Note: should be disclosed if there are no such
penggunaan dana hasil penawaran umum, agar - information of realization of proceeds of public offering.
diungkapkan.

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14 Informasi transaksi material yang mengandung Material transaction information with conflict of interest
benturan kepentingan dan/atau transaksi dengan pihak and/or transaction with related parties
225-228
afiliasi Covers the following:
a. Nama pihak yang bertransaksi dan sifat hubungan a. Name of transacting parties and the nature of related
-
afiliasi; parties;
b. Penjelasan mengenai kewajaran transaksi; 226 b. Description of the transaction fairness;
c. Alasan dilakukannya transaksi; - c. Transaction background;
d. Realisasi transaksi pada periode tahun buku terakhir; 225 d. Transaction realization at the last financial year;
e. Kebijakan perusahaan terkait dengan mekanisme e. Company policy related with transaction review
-
review atas transaksi; dan mechanism; and
f. Pemenuhan peraturan dan ketentuan terkait. 227 f. Compliance to relevant regulations and provisions.
Catatan: apabila tidak mempunyai transaksi dimaksud, Note: To disclose if there are no transactions.
√
agar diungkapkan.
15 Uraian mengenai perubahan peraturan perundang- Description on changes in laws and regulations during
undangan terhadap perusahaan pada tahun buku the fiscal year that impacted on the company
228-229
terakhir Covers information on:
Uraian memuat antara lain:
a. Nama peraturan perundang-undangan yang a. Name of regulations; and
√
mengalami perubahan; dan
b. Dampaknya (kuantitatif dan/atau kualitatif) terhadap b. The impact (quantitative and/or qualitative) on the
perusahaan (jika signifikan) atau pernyataan bahwa √ company, or statement of the insignificant impact
dampaknya tidak signifikan.
Catatan: apabila tidak terdapat perubahan peraturan Note: To disclose if there are no changes in the laws
perundang-undangan pada tahun buku terakhir, agar - and regulations that have significant impacts
diungkapkan.
16 Uraian mengenai perubahan kebijakan akuntansi yang Description on the changes in accounting policy
diterapkan perusahaan pada tahun buku terakhir 230 implemented by the company at the last financial year
Uraian memuat antara lain: Descriptions include among others:
a. Perubahan kebijakan akuntansi; a. Changes in accounting policy;
b. Alasan perubahan kebijakan akuntansi; dan b. Reasons for the change; and
√
c. Dampaknya secara kuantitatif terhadap laporan c. Quantitative impact on the financial statements
keuangan.
Catatan: apabila tidak terdapat perubahan kebijakan Note: To disclose if there are no changes in accounting
-
akuntansi pada tahun buku terakhir, agar diungkapkan. policies during the fiscal year
17 Informasi kelangsungan usaha Information on business continuity
231
Pengungkapan informasi mengenai: Disclosures on:
a. Hal-hal yang berpotensi berpengaruh signifikan a. Significant issues on the company business continuity
terhadap kelangsungan usaha perusahaan pada at the last financial year;
tahun buku terakhir;
b. Assessment manajemen atas hal-hal pada angka 1; √ b. Management assessment on point 1; and
dan
c. Asumsi yang digunakan manajemen dalam c. Assumption implemented by the management in
melakukan assessment. conducting the assessment.
Catatan: apabila tidak terdapat hal-hal yang berpotensi Note: if there are no issues that potentially have
berpengaruh signifikan terhadap kelangsungan significant influences to the company’s business
usaha perusahaan pada tahun buku terakhir, agar continuity at the last financial year, to disclose the basis
diungkapkan asumsi yang mendasari manajemen dalam - of management assumption in ensuring that there are
meyakini bahwa tidak terdapat hal-hal yang berpotensi no issues that potentially have significant influences to
berpengaruh signifikan terhadap kelangsungan usaha the company’s business continuity at the last financial
perusahaan pada tahun buku terakhir. year.
VI. Good Corporate Governance 345-581 Good Corporate Governance
1 Uraian Dewan Komisaris Description on the Board of Commissioners

415-432
Uraian memuat antara lain: Covers the following:
a. Uraian tanggung jawab Dewan Komisaris; 416-417 a. Board of Commissioners responsibilities;
b. Penilaian atas kinerja masing-masing komite yang b. Assessment of performance of committees under the
berada di bawah Dewan Komisaris dan dasar 427-428 Board and the basis for such assessment; and
penilaiannya; dan
c. Pengungkapan mengenai Board Charter (pedoman c. Board Charter disclosures (Board of Commissioners
418-419
dan tata tertib kerja Dewan Komisaris). work guidelines and procedures)

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2 Komisaris Independen (jumlahnya minimal 30% dari Independent Commissioners (at least 30% of the total
total Dewan Komisaris) 429-432 personnel of the Board of Commissioners)
Meliputi antara lain: Covers the following:
a. Kriteria penentuan Komisaris Independen; dan a. Assignment criteria of Independent Commissioners;
429-430
and
b. Pernyataan tentang independensi masing-masing b. Independency statement of each Independent
432
Komisaris Independen. Commissioner.
3 Uraian Direksi Description on the Board of Directors
433-450
Uraian memuat antara lain: Covers information on, among others:
a. Ruang lingkup pekerjaan dan tanggung jawab a. Duties and responsibilities of each member of the
441-445
masing-masing anggota Direksi; Board of Directors;
b. Penilaian atas kinerja komite-komite yang berada di b. Assessment of performance of committees under the
449-450
bawah Direksi (jika ada); dan Board (if any); and
c. Pengungkapan mengenai Board Charter (pedoman c. Board Charter disclosures (Board of Directors work
438
dan tata tertib kerja Direksi). guidelines and procedures)
4 Penilaian Penerapan GCG untuk tahun buku 2019 yang GCG implementation assessment for 2019, at least for
meliputi paling kurang aspek Dewan Komisaris dan aspects of the Board of Commissioners and/or Board of
457-464
Direksi Directors
Memuat uraian mengenai: Covers the following:
a. Kriteria yang digunakan dalam penilaian; √ a. Assessment criteria;
b. Pihak yang melakukan penilaian; √ b. Assessor;
c. Skor penilaian masing-masing kriteria; √ c. Assessment score on each criteria;
d. Rekomendasi hasil penilaian; dan √ d. Recommendations on results of assessment; and
e. Alasan belum/tidak diterapkannya rekomendasi. e. Reasons for the delay or non implementation of such
-
recommendations.
Catatan: apabila tidak ada penilaian penerapan GCG Note: should be disclosed if there are no GCG
-
untuk tahun buku 2019, agar diungkapkan. assessments for fiscal 2019.
5 Uraian mengenai kebijakan remunerasi bagi Dewan Description of the remuneration policy for the Board of
Komisaris dan Direksi 465-469 Commissioners and Board of Directors
Mencakup antara lain: Covers the following:
a. Pengungkapan prosedur pengusulan sampai dengan a. Disclosure of procedure for the proposal and
penetapan remunerasi Dewan Komisaris; √ determination of remuneration for the Board of
Commissioners;
b. Pengungkapan prosedur pengusulan sampai dengan b. Disclosure of procedure for the proposal and
penetapan remunerasi Direksi; √ determination of remuneration for the Board of
Directors;
c. Struktur remunerasi yang menunjukkan komponen c. Remuneration structure showing the remuneration
remunerasi dan jumlah nominal per komponen untuk - components and amounts per component for each
setiap anggota Dewan Komisaris; member of the Board of Commissioners;
d. Struktur remunerasi yang menunjukkan komponen d. Remuneration structure showing the remuneration
remunerasi dan jumlah nominal per komponen untuk - components and amounts per component for each
setiap anggota Direksi; member of the Board of Directors;
e. Pengungkapan indikator untuk penetapan e. Disclosure of indicators for the remuneration of the
√
remunerasi Direksi; dan Board of Directors; and
f. Pengungkapan bonus kinerja, bonus non kinerja, f. Disclosure of performance bonus, non-performance
dan/atau opsi saham yang diterima setiap anggota bonus, and/or share option received by each
√
Dewan Komisaris dan Direksi (jika ada). members of the Board of Commissioners and
Directors (if any).
Catatan: apabila tidak terdapat bonus kinerja, Note: should be disclosed if there are no performance
bonus non kinerja, dan opsi saham yang diterima bonus, non-performance bonus, and/or share
-
setiap anggota Dewan Komisaris dan Direksi, agar option received by each members of the Board of
diungkapkan. Commissioners and Directors.
6 Frekuensi dan Tingkat Kehadiran Rapat yang dihadiri Meeting frequency and attendance of Board of
mayoritas anggota pada rapat Dewan Komisaris Commissioners (at least once in 2 months), Board of
(minimal 1 kali dalam 2 bulan), Rapat Direksi (minimal Directors (at least once in a month), and joint meetings
472-483
1 kali dalam 1 bulan), dan Rapat Gabungan Dewan of BoC and BoD (at least once in 4 months)
Komisaris dengan Direksi (minimal 1 kali dalam 4 bulan) Covers among others:
Informasi memuat antara lain:
a. Tanggal Rapat; √ a. Date;
b. Peserta Rapat; dan √ b. Attendance; and
c. Agenda Rapat. √ c. Agenda.
untuk masing-masing rapat Dewan Komisaris, Direksi, of each of the meetings of BoC, BoD and Joint Meetings
dan rapat gabungan. of BoC and BoD.

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7 Informasi mengenai pemegang saham utama dan Information on majority and controlling shareholders,
pengendali, baik langsung maupun tidak langsung, direct or indirect, up to the ultimate individual
sampai kepada pemilik individu shareholder
Dalam bentuk skema atau diagram yang memisahkan Diagram with separate illustration for majority
pemegang saham utama dengan pemegang saham shareholders and controlling shareholders
pengendali.
402
Catatan: yang dimaksud pemegang saham utama Note: majority shareholders are parties that own,
adalah pihak yang, baik secara langsung maupun tidak directly or indirectly, at least 20% of the voting rights of
langsung, memiliki sekurang-kurangnya 20% (dua the total share with voting rights issued by the company,
puluh perseratus) hak suara dari seluruh saham yang but is not the controlling shareholder
mempunyai hak suara yang dikeluarkan oleh suatu
Perseroan, tetapi bukan pemegang saham pengendali.
8 Pengungkapan hubungan afiliasi antara anggota Direksi, Disclosure of affiliation between members of the Board
Dewan Komisaris, dan Pemegang Saham Utama dan/ of Directors, Board of Commissioners and Majority/
451-452
atau pengendali Controlling Shareholders
a. Hubungan afiliasi antara anggota Direksi dengan a. Affiliation between a member of the Board of
anggota Direksi lainnya; 452 Directors with fellow members of the Board of
Directors;
b. Hubungan afiliasi antara anggota Direksi dan anggota b. Affiliation between a member of the Board
Dewan Komisaris; 452 of Directors with members of the Board of
Commissioners;
c. Hubungan afiliasi antara anggota Direksi dengan c. Affiliation between a member of the Board
Pemegang Saham Utama dan/atau Pengendali; 452 of Directors with Majority and/or Controlling
Shareholder;
d. Hubungan afiliasi antara anggota Dewan Komisaris d. Affiliation between a member of the Board of
dengan anggota Komisaris lainnya; dan 451 Commissioners with fellow members of the Board of
Commissioners; and
e. Hubungan afiliasi antara anggota Dewan Komisaris e. Affiliation between a member of the Board of
dengan Pemegang Saham Utama dan/atau 451 Commissioners with Majority and/or Controlling
Pengendali. Shareholder.
Catatan: apabila tidak mempunyai hubungan afiliasi Note: should be disclosed if there are no affiliation
-
dimaksud, agar diungkapkan. relationship
9 Komite Audit Audit Committee
485-494
Mencakup antara lain: Includes the following:
a. Nama, jabatan, dan periode jabatan anggota komite a. Name, position and tenure of Audit Committee
489
audit; members;
b. Riwayat pendidikan (Bidang Studi dan Lembaga b. Education qualifications (study field and institution)
Pendidikan) dan pengalaman kerja (Jabatan, Instansi, 489-491 and work experience (position, company and tenure)
dan Periode Menjabat) anggota komite audit; of Audit Committee members;
c. Independensi anggota komite audit; 491-492 c. Independency of Audit Committee members;
d. Uraian tugas dan tanggung jawab; 486-488 d. Duties and responsibilities;
e. Uraian pelaksanaan kegiatan komite audit pada e. Brief report of Audit Committee activity; and
494
tahun buku; dan
f. Frekuensi pertemuan dan tingkat kehadiran komite f. Meeting frequency and attendance of Audit
492-493
audit. Committee.
10 Komite Nominasi dan/atau Remunerasi Nomination and/or Remuneration Committee
495-503
a. Nama, jabatan, dan riwayat hidup singkat anggota a. Name, position and brief profiles of members of the
499-501
komite nominasi dan/atau remunerasi; Nomination and/or Remuneration Committee;
b. Independensi komite nominasi dan/atau remunerasi; b. Independency of Nomination and/or Remuneration
-
Committee;
c. Uraian tugas dan tanggung jawab; 497 c. Duties and responsibilities;
d. Uraian pelaksanaan kegiatan komite nominasi dan/ d. Brief report of committee activity in the fiscal year;
502
atau remunerasi pada tahun buku;
e. Frekuensi pertemuan dan tingkat kehadiran komite e. Meeting frequency and attendance;
501-502
nominasi dan/atau remunerasi;
f. Pernyataan adanya pedoman komite nominasi dan/ f. Statement of committee charter; and
495
atau remunerasi; dan
g. Kebijakan mengenai suksesi Direksi. 503 g. Policies on Director succession.

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11 Komite-komite lain di bawah Dewan Komisaris yang Other committees under the Board of Commissioners
dimiliki oleh perusahaan 504-520 Includes the following:
Mencakup antara lain:
a. Nama, jabatan, dan riwayat hidup singkat anggota a. Name, position and brief profile of members of
komite lain; committee;
b. Independensi komite lain; b. Independence of committee;
c. Uraian tugas dan tanggung jawab; c. Duties and responsibilities;
√
d. Uraian pelaksanaan kegiatan komite lain pada tahun d. Committee activity in the fiscal year; and
buku; dan
e. Frekuensi pertemuan dan tingkat kehadiran rapat e. Committee meeting frequency and attendance.
komite lain.
12 Uraian tugas dan Fungsi Sekretaris Perusahaan Description of duties and functions of Corporate
Mencakup antara lain: 545-548 Secretary
Information on, among others:
a. Nama, dan riwayat jabatan singkat sekretaris a. Name and brief work experience of Corporate
545-546
perusahaan; Secretary;
b. Domisili; 545 b. Domicile;
c. Uraian tugas dan tanggung jawab; dan 546-547 c. Duties and responsibilities; and
d. Uraian pelaksanaan tugas sekretaris perusahaan d. Report of activities of Corporate Secretary in the fiscal
547-548
pada tahun buku. year.
13 Uraian mengenai unit audit internal Description on Internal Audit Unit
549-553
a. Nama ketua unit audit internal; 551 a. Name of Internal Audit Unit head;
b. Jumlah pegawai (auditor internal) pada unit audit b. Total employees (internal auditors) in Internal Audit
550
internal; Unit;
c. Sertifikasi sebagai profesi audit internal; 550 c. Certification on Internal Audit profession;
d. Kedudukan unit audit internal dalam struktur d. Internal Audit Unit composition in the company’s
550
perusahaan; structure;
e. Uraian pelaksanaan kegiatan unit audit internal pada e. Brief report on Internal Audit Unit activity
553
tahun buku; dan implementation; and
f. Pihak yang mengangkat dan memberhentikan ketua f. The parties responsible to appoint/terminate the
550
unit audit internal. Internal Audit Unit head.
14 Akuntan Publik Public Accountant
554
Informasi memuat antara lain: Includes the following:
a. Nama dan tahun akuntan publik yang melakukan a. Name and year of public accountant that audits the
audit laporan keuangan tahunan selama 5 tahun 554 annual financial statements in the last 5 years;
terakhir;
b. Nama dan tahun Kantor Akuntan Publik yang b. Name and year of Public Accountant Firm that audits
melakukan audit laporan keuangan tahunan selama 5 554 the annual financial statements in the last 5 years;
tahun terakhir;
c. Besarnya fee untuk masing-masing jenis jasa yang c. The amount of fee for each service provided by public
diberikan oleh Kantor Akuntan Publik pada tahun 554 accountant at the last financial year; and
buku terakhir; dan
d. Jasa lain yang diberikan Kantor Akuntan Publik dan d. Other services provided by the accountant apart from
akuntan publik selain jasa audit laporan keuangan - the audit service of annual financial statements at the
tahunan pada tahun buku terakhir. last financial year.
Catatan: apabila tidak ada jasa lain dimaksud, agar Note: to disclose if there are no other services rendered
diungkapkan.
15 Uraian mengenai manajemen risiko perusahaan Description on risk management of the company
259-341
a. Penjelasan mengenai sistem manajemen risiko yang a. Explanation on risk management system
259-273
diterapkan perusahaan; implemented by the company;
b. Penjelasan mengenai hasil reviu yang dilakukan atas b. Explanation on risk management system
271-273
sistem manajemen risiko pada tahun buku; effectiveness evaluation;
c. Penjelasan mengenai risiko-risiko yang dihadapi c. Explanation on risks faced by the company; and
275-297
perusahaan; dan
d. Upaya untuk mengelola risiko tersebut. 275-297 d. Risk mitigation.

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16 Uraian mengenai sistem pengendalian intern Description of internal control system
a. Penjelasan singkat mengenai sistem pengendalian a. Brief explanation on internal control system, among
intern, antara lain mencakup pengendalian keuangan others on financial and operational control;
dan operasional;
b. Penjelasan kesesuaian sistem pengendalian intern - b. Explanation on internal control system alignment
dengan kerangka yang diakui secara internasional with international standard framework (COSO –
(COSO – internal control framework); dan internal control framework); and
c. Penjelasan mengenai hasil reviu yang dilakukan atas c. Explanation on internal control system effectiveness
pelaksanaan sistem pengendalian intern pada tahun evaluation.
buku.
17 Uraian mengenai corporate social responsibility yang Description of Corporate Social Responsibility related to
584-614
terkait dengan tata kelola tanggung jawab sosial organizational governance of social responsibility:
a. Informasi komitmen pada tanggung jawab sosial a. Information on Company’s commitment to social
584-585
responsibility;
b. Informasi mengenai methoda dan lingkup due diligent b. Information on methods and scope of due diligence
terhadap dampak sosial, ekonomi dan lingkungan 586-587 on the social, economic and environmental impacts
dari aktifitas perusahaan of Company’s activities;
c. Informasi tentang stakeholder penting yang c. Information on significant stakeholders that are
terdampak atau berpengaruh pada dampak dari 587-590 impacted by, or having an influence to the impact of,
kegiatan perusahaan the Company’s activities;
d. Informasi tentang isu isu penting sosial ekonomi dan d. Information on significant social, economic and
lingkungan terkait dampak kegiatan perusahaan 590 environmental issues related to impact of the
Company’s activities;
e. Informasi tentang lingkup tanggung jawab sosial e. Information on the scope of the Company’s
perusahaan baik yang merupakankan kewajiban 591 Corporate Social Responsibility, both obligatory as
maupun yang melebihi kewajiban well as beyond obligatory;
f. Informasi tentang strategi dan program kerja f. Information on the Company’s strategy and work
perusahaan dalam menangani isu isu sosial, ekonomi programs in the management of social, economic
dan lingkungan dalam upaya stakeholders engagement 591 and environmental issues, as a form of stakeholder
dan meningkatkan value untuk stakeholder dan engagement and in creating value for stakeholders
shareholder and shareholders;
g. Informasi tentang berbagai program yang melebihi g. Information on programs that are beyond the
tanggung jawab minimal perusahaan yang relevan 592 minimum obligatory level for the Company as
dengan bisnis yang dijlaankan relevant with its business activities;
h. Informasi tentang pembiayaan dan anggaran h. Information on the funding and budgeting of social
592
tanggung jawab sosial responsibility programs.
593-597
terkait core subject Hak Azasi Manusia core subject - Human Rights:
a. Informasi tentang komitmen dan kebijakan tanggung a. Information on commitment and policies related to
593
jawab sosial core subject Hak Azasi Manusia social responsibility core subject - Human Rights;
b. Informasi tentang rumusan perusahaan lingkup b. Information on Company’s definition on the scope of
593-594
tanggung jawab sosial core subject Hak Azasi Manusia social responsibility core subject - Human Rights;
c. Informasi tentang perencanaan corporate social c. Information on the planning of CSR initiatives in the
594-596
responsibility bidang Hak Azasi Manusia area of Human Rights;
d. Informasi tentang pelaksanaan inisiatif CSR bidang d. Information on the execution of CSR initiatives in the
594-596
Hak Azasi Manusia area of Human Rights;
e. Informasi tentang capaian dan penghargaan inisiatif e. Information on achievements and awards for CSR
597
CSR bidang Hak Azasi Manusia initiatives in the area of Human Rights.
597-599
terkait core subject Operasi yang adil fair operation core subject
a. Informasi tentang komitmen dan kebijakan tanggung a. Information on commitment and the core social
597
jawab sosial core subject Operasi yang adil responsibility policy subject to fair operation
b. Informasi tentang rumusan perusahaan lingkup b. Information about the company’s definition of the
tanggung jawab sosial core subject operasi yang adil 597 scope of social responsibility, the core subject of fair
operations
c. Informasi tentang perencanaan corporate social c. Informasi tentang perencanaan Corporate Social
597-598
responsibility bidang operasi yang adil Responsibility bidang operasi yang adil
d. Informasi tentang pelaksanaan inisiatif CSR bidang d. Information on Corporate Social Responsibility
597-598
operasi yang adil planning in fair operations
e. Informasi tentang capaian dan penghargaan inisiatif e. Information on achievements and awards of fair
599
CSR bidang operasi yang adil operations CSR initiatives

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terkait dengan lingkungan hidup, penyampaian 599-602 the environment:
informasi tentang:
a. Informasi tentang komitmen dan kebijakan a. Information on commitment and policies on
599-600
lingkungan environment;
b. Informasi tentang dampak dan risiko lingkungan b. Information on significant environmental impact
penting yang terkait secara langsung atau tidak 600 and risks, both directly or indirectly related to the
langsung dengan perusahaan Company;
c. Informasi tentang target/rencana kegiatan pada c. Information on 2020 activity target/plan established
600
tahun 2020 yang ditetapkan manajemen; by the Management;
d. Informasi tentang kegiatan yang dilakukan dan d. Information on environment-related activities or
terkait program lingkungan hidup yang berhubungan 600-601 programs undertaken as related to the Company’s
dengan kegiatan operasional perusahaan operational activities;
e. Informasi tentang pelaksanaan inisitaif CSR terkait e. Information on the execution of CSR initiatives
600-601
lingkungan hidup related to the environment;
f. Informasi tentang capaian dampak kuantitatif atas f. Information on the quantitative impact or
kegiatan tersebut; dan, seperti penggunaan material achievement of such CSR initiatives, such as the use
dan energi yang ramah lingkungan dan dapat didaur of environmental-friendly and recyclable material
ulang, sistem pengolahan limbah perusahaan, 600-601 and energy, waste processing system, mechanism
mekanisme pengaduan masalah lingkungan, for environment-related complaints, consideration
pertimbangan aspek lingkungan dalam pemberian of environmental aspects in the granting of credit to
kredit kepada nasabah, dan lain-lain. creditors, and others.
g. Sertifikasi di bidang lingkungan yang dimiliki. 601 g. Environment-related certification.
terkait dengan ketenagakerjaan, kesehatan, dan labor practices, covering information on, among others:
603-608
keselamatan kerja, mencakup antara lain informasi
tentang:
a. Kebijakan dan komitmen tanggung jawab sosial a. Commitment and policies on social responsibility core
603
perusahaan core subject ketenagakerjaan subject - labor practices;
b. Informasi lingkup dan perumusan tanggung jawab b. Information on scope and definition of social
603
sosial bidang ketenagakerjaan responsibility related to labor practices;
c. Informasi terkait target/rencana kegiatan pada tahun c. Information on 2020 activity target/plan established
603-604
2020 yang ditetapkan manajemen; dan by the Management;
d. Kegiatan yang dilakukan dan dampak kuantitatif atas d. Information on initiatives undertaken and the
604-607
kegiatan tersebut quantitative impact of such initiatives;
e. Informasi terkait praktik ketenagakerjaan, kesehatan, e. Information related to labor practices and work
dan keselamatan kerja, seperti kesetaraan gender health and safety, such as gender equality and
dan kesempatan kerja, sarana dan keselamatan equal work opportunity, work health and safety
604-607
kerja, tingkat turnover karyawan, tingkat kecelakaan equipment, employee turnover rate, work accident
kerja, remunerasi, mekanisme pengaduan masalah rate, employee remuneration, mechanism for labor-
ketenagakerjaan, dan lain-lain. related complaints, and others.
terkait dengan tanggung jawab kepada konsumen, 608-611 consumer issues, covering among others:
mencakup antara lain:
a. Target/rencana kegiatan yang pada tahun buku a. Information on activity target/plan established by the
609-610
ditetapkan manajemen Management;
b. Kegiatan yang dilakukan dan dampak atas kegiatan b. Initiatives undertaken and the impact of such
609-610
tersebut initiatives;
c. Informasi Terkait tanggung jawab produk, seperti c. Information related to product stewardship, such
kesehatan dan keselamatan konsumen, informasi as consumer health and safety issues, product
610-611
produk, sarana, jumlah dan penanggulangan atas information, mechanism, number and resolution of
pengaduan konsumen, dan lain-lain. consumer complaints, and others.
23 Uraian mengenai corporate social responsibility Description of Corporate Social Responsibility related
yang terkait dengan pengembangan sosial dan to community involvement and development, covering
612-614
kemasyarakatan, mencakup antara lain informasi among others:
tentang:
a. Kebijakan dan komitmen tanggung jawab sosial a. Commitment and policies on social responsibility core
perusahaan core subject pengembangan sosial dan 612 subject-community involvement and development;
kemasyarakatan
b. Informasi tentang isu isu sosial yang relevan dengan b. Information on social issues relevant to the Company;
-
perusahaan
c. Informasi tentang risiko sosial yang dikelola c. Information on social risks managed by the Company;
612-613
perusahaan
d. Informasi lingkup dan perumusan tanggung d. Information on scope and definition of social
jawab sosial bidang pengembangan sosial dan 613 responsibility related to community involvement and
kemasyarakatan development;

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e. Target/rencana kegiatan pada tahun buku yang e. Information on activity target/plan established by the
613
ditetapkan manajemen; Management;
f. Kegiatan yang dilakukan dan dampak atas kegiatan f. Initiatives undertaken and the impact of such
613
tersebut; dan initiatives;
g. Biaya yang dikeluarkan 614 g. Budget spent;
h. Informasi terkait pengembangan sosial dan h. Information related to community involvement
kemasyarakatan, seperti penggunaan tenaga kerja and development, such as use of local workers,
lokal, pemberdayaan masyarakat sekitar perusahaan, empowerment of surrounding communities,
perbaikan sarana dan prasarana sosial, bentuk √ improvement of public facilities or infrastructure,
donasi lainnya, komunikasi mengenai kebijakan other forms of donations, communications on anti-
dan prosedur anti korupsi, pelatihan mengenai anti corruption policies and procedures, training on anti-
korupsi, dan lain-lain. corruption, and others.
24 Perkara penting yang sedang dihadapi oleh perusahaan, Significant litigation currently faced by the company,
entitas anak, serta anggota Dewan Komisaris dan subsidiaries, and members of the Board of
anggota Direksi yang menjabat pada periode laporan 564-565 Commissioners and Board of Directors that served the
tahunan position at the annual report period
a. Pokok perkara/gugatan; a. The principal litigation/claims;
b. Status penyelesaian perkara/gugatan; b. Settlement status of litigation/claims;
c. Risiko yang dihadapi perusahaan dan nilai nominal c. Impact to the company’s condition; and
tuntutan/gugatan; dan
d. Sanksi administrasi yang dikenakan kepada √ d. Administration sanctions charged to the company,
perusahaan, anggota Dewan Komisaris dan Direksi, members of the Board of Commissioners and
oleh otoritas terkait (pasar modal, perbankan Board of Directors, by relevant authorities (capital
dan lainnya) pada tahun buku terakhir (atau market, banking and others) at the last fiscal year
terdapat pernyataan bahwa tidak dikenakan sanksi (or a statement of no administration sanction being
administrasi). charged)
Catatan: dalam hal perusahaan, entitas anak, anggota Note: To disclose in the event of no litigation
Dewan Komisaris, dan anggota Direksi tidak memiliki -
perkara penting, agar diungkapkan.
25 Akses informasi dan data perusahaan Access to company information and data
Uraian mengenai tersedianya akses informasi dan data Description on the availability of company information
perusahaan kepada publik, misalnya melalui website 565-568 and data for public access, including dissemination
(dalam bahasa Indonesia dan bahasa Inggris), media through company website (in Bahasa and English), mass
massa, mailing list, buletin, pertemuan dengan analis, media, mailing list, bulletin, analyst gatherings, and
dan sebagainya. others.
26 Bahasan mengenai kode etik Discussion on Code of Conduct
569-570
Memuat uraian antara lain: Includes the following:
a. Pokok-pokok kode etik; 569 a. Contents of Code of Conduct;
b. Pengungkapan bahwa kode etik berlaku bagi seluruh b. Disclosure of Code of Conduct application in all level
570
level organisasi; of organization;
c. Penyebarluasan kode etik; 569 c. Code of Conduct dissemination;
d. Sanksi untuk masing-masing jenis pelanggaran yang d. Sanctions on Code of Conduct violations; and
570
diatur dalam kode etik (normatif); dan
e. Jumlah pelanggaran kode etik beserta sanksi yang e. Number of violation and sanction in the last fiscal
570
diberikan pada tahun buku terakhir. year.
Catatan: apabila tidak terdapat pelanggaran kode etik Note: should be disclosed if there are no violations of
-
pada tahun buku terakhir, agar diungkapkan. Code of Conduct in the last fiscal year.
27 Pengungkapan mengenai whistleblowing system Disclosure on whistleblowing system
Memuat uraian tentang mekanisme whistleblowing 579-580 Includes the following mechanism of whistleblowing
system antara lain: system:
a. Penyampaian laporan pelanggaran; a. Violations report submission;
b. Perlindungan bagi whistleblower; b. Whistleblowers protection;
√
c. Penanganan pengaduan; c. Claims handling;
d. Pihak yang mengelola pengaduan; dan d. Claims managers; and
e. Jumlah pengaduan yang masuk dan diproses pada e. Total claims registered; and
-
tahun buku terakhir; dan
f. Sanksi/tindak lanjut atas pengaduan yang telah f. Sanctions/report processed at the last fiscal year
√
selesai diproses pada tahun buku. including its follow up measures.
Catatan: apabila tidak terdapat pengaduan yang masuk Note: should be disclosed if there is no report and
dan telah selesai diproses pada tahun buku terakhir, - follow up action in the last fiscal year.
agar diungkapkan.

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28 Kebijakan mengenai keberagaman komposisi Dewan Diversity of the Board of Commissioners and Board of
Komisaris dan Direksi Directors Composition
Uraian kebijakan tertulis Perusahaan mengenai 453-456 Description of written policy regarding diversity of
keberagaman komposisi Dewan Komisaris dan Direksi the Board of Commissioners and Board of Directors
dalam pendidikan (bidang studi), pengalaman kerja, composition regarding education, work experience, age,
usia, dan jenis kelamin. and gender
Catatan: apabila tidak ada kebijakan dimaksud, agar Note: to disclose the reasons and considerations, if
-
diungkapkan alasan dan pertimbangannya. there is no policy applied
VII. Informasi Keuangan Financial Information
1 Surat Pernyataan Direksi dan/atau Dewan Komisaris Board of Directors and/or Board of Commissioners’
tentang Tanggung Jawab atas Laporan Keuangan Statements regarding the Responsibility for the Financial
√ Statements
Kesesuaian dengan peraturan terkait tentang Tanggung Conformity with related regulations regarding the
Jawab atas Laporan Keuangan. Financial Statements Responsibility
2 Opini auditor independen atas laporan keuangan √ Independent Auditor opinion on financial statements
3 Deskripsi Auditor Independen di Opini Independent Auditor Description in the Opinion
Deskripsi memuat tentang: Description contains the following:
a. Nama dan tanda tangan; a. Name & signatures;
√
b. Tanggal Laporan Audit; dan b. Audit Report date; and
c. Nomor izin KAP dan nomor izin Akuntan Publik. c. License of Public Accountant Firm and license of
Public Accountant
4 Laporan keuangan yang lengkap Comprehensive financial statements
Memuat secara lengkap unsur-unsur laporan keuangan: 618-785 Comprehensively covers the financial statements
elements:
a. Laporan posisi keuangan; √ a. Statements of financial position;
b. Laporan laba rugi dan penghasilan komprehensif lain; b. Statements of comprehensive income and other
√
comprehensive income;
c. Laporan perubahan ekuitas; √ c. Statements of changes in equity;
d. Laporan arus kas; √ d. Statements of cash flows;
e. Catatan atas laporan keuangan; √ e. Notes to financial statements;
f. Informasi komparatif mengenai periode sebelumnya; f. Comparative information on previous periods; and
√
dan
g. Laporan posisi keuangan pada awal periode g. Statements of financial position at the beginning
sebelumnya ketika entitas menerapkan suatu of previous periods upon the application of
kebijakan akuntansi secara retrospektif atau retrospective accounting policy by the entity or
√
membuat penyajian kembali pos-pos laporan representation of financial statements postings,
keuangan, atau ketika entitas mereklasifikasi pos-pos or reclassifications of postings in the financial
dalam laporan keuangannya (jika relevan). statements (if relevant).
5 Perbandingan tingkat profitabilitas Profitability level comparison
Perbandingan kinerja/laba (rugi) tahun berjalan dengan 626-627 Comparison of current profit (loss) with the previous
tahun sebelumnya year
6 Laporan Arus Kas Statements of Cash Flows
628-629
Memenuhi ketentuan sebagai berikut: Conformity to the following provisions:
a. Pengelompokan dalam tiga kategori aktivitas: operasi, a. Grouping into three category of activities of
investasi, dan pendanaan; operations, investment, and financing;
b. Penggunaan metode langsung (direct method) untuk b. Direct method application in the statements of cash
melaporkan arus kas dari aktivitas operasi; flows from operations activity;
c. Pemisahan penyajian antara penerimaan kas dan √ c. Separation of presentation between cash in and
atau pengeluaran kas selama tahun berjalan pada or cash out during current year in the operation,
aktivitas operasi, investasi dan pendanaan; dan investment and financing activities;
d. Pengungkapan transaksi non kas harus dicantumkan d. Disclosure of non cash transaction shall be stated in
dalam catatan atas laporan keuangan. the notes to financial statements.

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7 Ikhtisar Kebijakan Akuntansi Summary of accounting policies
640-677
Meliputi sekurang-kurangnya: Including at least:
a. Pernyataan kepatuhan terhadap SAK; a. Compliance statement to SAK;
b. Dasar pengukuran dan penyusunan laporan b. Basis of measurement and formulation of financial
keuangan; statements;
√
c. Pajak penghasilan; c. Recognition of income and expense;
d. Imbalan kerja; dan d. Employee benefits; and
e. Instrumen Keuangan. e. Financial instrument.
8 Pengungkapan transaksi pihak berelasi Disclosure of related parties transactions
745-747
Hal-hal yang diungkapkan antara lain: The disclosures includes:
a. Nama pihak berelasi, serta sifat dan hubungan a. Name of related parties, and the nature and
dengan pihak berelasi; relationship with related parties;
b. Nilai transaksi beserta persentasenya terhadap total b. Transaction values and its percentage to total income
√
pendapatan dan beban terkait; dan and expense; and
c. Jumlah saldo beserta persentasenya terhadap total c. Total balance and its percentage to total assets or
aset atau liabilitas terkait. liabilities.
9 Pengungkapan yang berhubungan dengan perpajakan Disclosure related to taxes
670-671
Hal-hal yang harus diungkapkan: The disclosures shall includes:
a. Rekonsiliasi fiskal dan perhitungan beban pajak kini; a. Fiscal reconciliation and current tax expense
calculation;
b. Penjelasan hubungan antara beban (penghasilan) b. Explanation of relationship between tax expenses
pajak dan laba akuntansi; (income) and accounting profit;
c. Pernyataan bahwa Laba Kena Pajak (LKP) hasil c. Statement that Taxable Income as a result of
rekonsiliasi dijadikan dasar dalam pengisian SPT reconciliation is use as the basis in completing the
Tahunan PPh Badan tahun 2016; 2016 Annual corporate income tax return;
d. Rincian aset dan liabilitas pajak tangguhan yang √ d. The details of deferred tax assets and liabilities
diakui pada laporan posisi keuangan untuk setiap recognized in the financial position statements
periode penyajian, dan jumlah beban (penghasilan) for every presentation period, and total deferred
pajak tangguhan yang diakui pada laporan laba rugi tax expenses (income) recognized in the income
apabila jumlah tersebut tidak terlihat dari jumlah statements if the total are not visible from the total
aset atau liabilitas pajak tangguhan yang diakui pada deferred tax assets or liabilities recognized in the
laporan posisi keuangan; dan financial position statements; and
e. Pengungkapan ada atau tidak ada sengketa pajak. e. Disclosure of availability or un-availability of tax
disputes.
10 Pengungkapan yang berhubungan dengan aset tetap Disclosure related to fixed assets The disclosures shall
657-659
Hal-hal yang harus diungkapkan: includes:
a. Metode penyusutan yang digunakan; a. Used depreciation method;
b. Uraian mengenai kebijakan akuntansi yang dipilih b. Description on accounting policies selected between
antara model revaluasi dan model biaya; revaluation model and cost model;
c. Metode dan asumsi signifikan yang digunakan dalam c. Significant methods and assumptions used in
mengestimasi nilai wajar aset tetap (untuk model estimation of fixed assets fair value (for revaluation
revaluasi) atau pengungkapan nilai wajar aset tetap √ model) or disclosure of fixed assets fair value (for cost
(untuk model biaya); dan model); and
d. Rekonsiliasi jumlah tercatat bruto dan akumulasi d. Reconciliation of gross total recorded and
penyusutan aset tetap pada awal dan akhir periode accumulation of fixed assets depreciation at the
dengan menunjukkan: penambahan, pengurangan beginning and end of period by presenting: addition,
dan reklasifikasi. deduction and reclassification.

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11 Pengungkapan yang berhubungan dengan segmen Disclosure related to operations segments
operasi 748-750 The disclosures shall includes:
Hal-hal yang harus diungkapkan:
a. Informasi umum yang meliputi faktor-faktor yang a. General information covering factors used to identify
digunakan untuk mengidentifikasi segmen yang reported segments;
dilaporkan;
b. Informasi tentang laba rugi, aset, dan liabilitas b. Information on segment’s reported profit loss, assets,
segmen yang dilaporkan; and liabilities;
c. Rekonsiliasi dari total pendapatan segmen, laba √ c. Reconciliation of segment’s total revenues, segment’s
rugi segmen yang dilaporkan, aset segmen, liabilitas reported profit loss, segment’s assets, segment’s
segmen, dan unsur material segmen lainnya liabilities, and segment’s other material elements to
terhadap jumlah terkait dalam entitas; dan related total in entity; and
d. Pengungkapan pada level entitas, yang meliputi d. Disclosure of entity level, which covers information
informasi tentang produk dan/atau jasa, wilayah on products and/or services, geographic areas and
geografis dan pelanggan utama. main customers.
12 Pengungkapan yang berhubungan dengan Instrumen Disclosure related to Financial Instruments
Keuangan 672-673 The disclosures shall includes:
Hal-hal yang harus diungkapkan:
a. Rincian instrumen keuangan yang dimiliki a. Financial instrument classification;
berdasarkan klasifikasinya;
b. Nilai wajar dan hirarkinya untuk setiap kelompok b. Fair value of every financial instrument group;
instrumen keuangan;
c. Penjelasan risiko yang terkait dengan instrumen c. Explanation on risks related to financial instrument:
√
keuangan: risiko pasar, risiko kredit dan risiko market risk, credit risk and liquidity risk; and
likuiditas;
d. Kebijakan manajemen risiko; dan d. Risk management objectives and policies;
e. Analisis risiko yang terkait dengan instrumen e. Risk analysis related to financial instrument in
keuangan secara kuantitatif. quantitative way.
13 Penerbitan laporan keuangan Financial statements publication
618
Hal-hal yang diungkapkan antara lain: The disclosures includes:
a. Tanggal laporan keuangan diotorisasi untuk terbit; a. Date of financial statements authorized for
dan publication; and
√
b. Pihak yang bertanggung jawab mengotorisasi laporan b. Parties responsible to authorize the financial
keuangan. statements.

2021 Laporan Tahunan
Annual Report
Ketangguhan
dan Sinergi
menuju Masa Depan
yang Lebih Cerah
Resilience and
Synergy towards a
Brighter Future
Muamalat Tower T: (+62 21) 8066 6000

Jalan Prof. Dr. Satrio Kav. 18 F: (+62 21) 8066 6001
Kuningan Timur, Setiabudi
Jakarta Selatan 12940 www.bankmuamalat.co.id

1 Laporan Tahunan 2021

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Ketangguhan

Tahun 2021 merupakan tahun yang sangat penting bagi

Injeksi modal dari BPKH tersebut membuat permodalan Bank semakin

Kehadiran BPKH sebagai pemegang saham mayoritas Bank sekaligus

Gelombang pandemi COVID-19 tahun 2020 berdampak besar pada perekonomian,

2 PT Bank Muamalat Indonesia Tbk

Tahun 2021 merupakan tahun yang sangat penting bagi

Injeksi modal dari BPKH tersebut membuat permodalan Bank semakin

Kehadiran BPKH sebagai pemegang saham mayoritas Bank sekaligus membuka

PT Bank Muamalat Indonesia Tbk 3

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PT Bank Muamalat Indonesia Tbk 5

Uraian 2021 2020 2019 2018 2017 Description

Total Aset 58.899 51.241 50.556 57.227 61.697 Total Assets

8 PT Bank Muamalat Indonesia Tbk

Rasio Keuangan Penting

Uraian 2021 2020 2019 2018 2017 Description

PT Bank Muamalat Indonesia Tbk 9

Beban Operasional terhadap

10 PT Bank Muamalat Indonesia Tbk

PT Bank Muamalat Indonesia Tbk 11

12 PT Bank Muamalat Indonesia Tbk

Ikhtisar Obligasi dan Sukuk

PT Bank Muamalat Indonesia Tbk 13

Penghargaan dan Sertifikasi

9 Februari 2021 3 Juni 2021 1

June 11, 2021

14 PT Bank Muamalat Indonesia Tbk

29 Juni 2021 8 Desember 2021

June 29, 2021

December 15, 2021

September 17, 2021

PT Bank Muamalat Indonesia Tbk 15

Bank Muamalat Masuk Jajaran Bank Terbaik Dunia Versi Forbes

Bank Muamalat Collaborates with Bunda Group Hospital to

16 PT Bank Muamalat Indonesia Tbk

Penandatanganan Perjanjian Induk Pengelolaan Aset

The MRA signing ceremony was held between PT PPA President

PT Bank Muamalat Indonesia Tbk 17

Anugerah Syariah Republika 2021

Republika Syariah Award 2021

TOP 100 CEO dan Bankers of the Years

TOP 100 CEO and Bankers of the Years

18 PT Bank Muamalat Indonesia Tbk

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22 Laporan Dewan Pengawas Syariah

Drs. H. Sholahudin Al-Aiyub, M.Si

22 PT Bank Muamalat Indonesia Tbk

Laporan Dewan Pengawas Syariah

Dewan Pengawas Syariah sangat mengapresiasi seluruh

Assalamualaikum Warohmatullahi Wabarokatuh

Alhamdulillaahi Rabbil ‘Aalamin, Wa Shalatu Wa Salamu ‘Ala Nabiyyina Muhammad,

PT Bank Muamalat Indonesia Tbk 23

FOKUS 2021 FOCUS IN 2021

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REALISASI KEGIATAN DEWAN PENGAWAS ACTIVITIES OF THE SHARIA SUPERVISORY

PT Bank Muamalat Indonesia Tbk 25

PERUBAHAN KOMPOSISI DEWAN CHANGES IN SHARIA SUPERVISORY

Ketua Drs. H. Sholahudin Al-Aiyub, M.Si Chairman

Effective after obtaining approval from FSA

APRESIASI WORDS OF APPRECIATION

Wassalamualaikum Warohmatullahi Wabarokatuh. Wassalamualaikum Warohmatullahi Wabarokatuh.

Jakarta, 28 April 2022

Drs. H. Sholahudin Al-Aiyub, M.Si

Sulistyo Budi) Andre Mirza Hartawan) Juni Supriyanto*)